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President, Federal Reserve Bank of Richmond
Risk Management Association
Richmond, Va.
Thank you very much, BJ. It's a pleasure to be with you again to discuss the economic outlook.1 I'll begin this morning by discussing current conditions, and then go on to discuss the outlook for the coming year. Before we begin though, let me note that the usual disclaimer applies — the views I express are my own and are not necessarily shared by any of my colleagues on the Federal Open Market Committee.
Clearly, the severity of the housing market downturn, along with the attendant financial market fallout, has been the dominant macro-economic development of the past year. After a 10-year expansion, residential investment peaked in late 2005. Since then, construction and sales have fallen fairly sharply, first in large metropolitan areas that had seen the strongest booms, and then spreading this year to other markets where housing price increases were less pronounced. Despite the falloff in construction, inventories of unsold homes rose sharply. While inventory levels have actually retreated somewhat in recent months, they have not come down as rapidly as has the pace of sales, and they are currently depressing home prices and new construction.
Home prices increased significantly during the long boom, particularly in local markets with restricted supply. Existing home prices increased about 90 percent between 1995 and 2005 for the nation as a whole. In the Washington, D.C., market, prices increased 148 percent from 1995 to 2005 and rose another 11 percent in 2006. Here in Richmond, prices climbed by 85 percent over the same 10-year period and increased by another 12 percent in 2006. Of course, rapid increases in real quality-adjusted prices are not indefinitely sustainable for any asset, and in the case of housing, potential buyers eventually get priced out of the market. In many markets, prices changed course quickly, but in others, prices have continued to increase. Average prices for the nation as a whole fell in the third quarter of 2007 by 0.4 percent, which is the first national price decline since 1994. And in formerly hot markets, the declines have been larger, with prices falling over 5 percent in San Diego, for example. Prices also have fallen significantly in areas with weak regional economies, like Michigan and northern Ohio. Richmond has avoided an outright decline in prices, although appreciation has slowed significantly, with third-quarter growth of just less than 1 percent.
Developments in housing finance arguably have played a substantial role in the evolving conditions in housing markets. Here the long-term story is the technology-driven wave of innovation in retail credit delivery that dramatically expanded access to mortgage credit over the last decade, just as it expanded access to unsecured consumer credit earlier on. Technology also has contributed to innovation in securitization and other forms of intermediation of credit flows, which also helped lower borrowing costs. As with any new product or service innovation, however, some experimentation and risk was involved, and in this case some of those risks were realized.
Future research may quantify the extent to which credit market innovations contributed to a boom in housing market activity by expanding the pool of potential homeowners. In any event, when the growth in housing demand came to an end, home prices peaked and began falling in many markets. In hindsight, it seems clear that the success of new methods of lending to riskier borrowers was to some extent dependent on sustained home price appreciation, which provided strained borrowers with the ability to refinance, thus masking the effects of more inclusive underwriting. It takes some time, however, for the likely ultimate loss experience of a mortgage portfolio to become evident. While observers were raising concerns early on — the late Federal Reserve Governor Ned Gramlich, for example 2 — it wasn't until last year, after home prices had peaked in some major markets, that more quantitative evidence began to emerge regarding the substantial extent to which mortgage loans made in 2006 would underperform previous vintages. The ensuing adjustment in underwriting standards further contributed to the decline in housing activity.
The story behind last year's unfolding drama in credit markets was the continuing re-assessment of the fundamental value of nonprime mortgages in light of incoming data implying significantly higher ultimate losses on recent vintages of subprime mortgages. Securitization was an important part of the expansion of credit in recent years, and securities backed by pools of sub-prime or other nontraditional mortgages served as the backing for other obligations, usually issued off the balance sheets of the sponsoring institutions. As housing slowed over the summer, it became clear that some mortgage-related securities previously judged as relatively safe would suffer substantial losses. Many of these securities were the liabilities of entities with explicit or implicit bank lending guarantees. Many banks that provided such guarantees have had to either meet large funding demands or bring the impaired assets onto their balance sheets. Uncertainty about the scale of such adjustments has at times meant higher funding and capital costs, although risk premia increased far more for some institutions than for others. Since then, such institutions have taken large write-offs, and many have replenished their capital. Many affected banks have dramatically increased their advances from the Federal Home Loan Banks, where lending increased by 29 percent or about $180 billion in the third quarter.
Credit markets were hit particularly hard in August, as many participants found it difficult to refinance the asset-backed commercial paper they had issued. Banks began holding larger precautionary reserve balances then, putting upward pressure on interbank lending rates. The New York Fed injected significantly more reserves than usual via open market operations in order to relieve the pressure and keep the funds rate near the target. In addition, the Board of Governors accepted Reserve Bank requests to lower the discount rate by a half a percentage point, reducing the spread above the federal funds rate from the traditional 100 basis points down to 50 basis points. With concern mounting that housing investment was declining more rapidly than had been expected and that the growth outlook was deteriorating as a consequence, the FOMC reduced the federal funds target rate in September and October, bringing the rate down 75 basis points to 4.5 percent. Financial market conditions showed some improvement in September and October, but turned problematic again in November, a month that also saw a further deterioration in the real outlook, as measures of housing market activity continued to come in below expectations.
In December, wholesale funding markets increasingly showed the effects of heightened uncertainty surrounding financial institutions' adjustment requirements. Term funding spreads relative to expected overnight rates became quite elevated for some banks, differentiation in rates across institutions became more pronounced, and the volume of term funding contracted. Increases in interbank interest rates associated with year-end, balance-sheet considerations have occurred in the past, but market participants appeared to expect low overnight rates over the year-end this time. Rates at the Federal Home Loan Banks are closer to the expected overnight funds rate than to term LIBOR, which may explain the relatively small amount of discount window borrowing even since the August reduction in the discount rate spread over the target. All this suggests that term funding premia reflected assessments of counterparty risk rather than expectations that the funds rate would spike at year end.
Against this back-drop, the Federal Reserve introduced a new mechanism for providing term funding to financial institutions. The Term Auction Facility, or TAF, makes 28-day loans of a predetermined total amount at a rate set by auction. These loans are otherwise similar to discount window loans made by a bank's regional Reserve Bank against collateral posted with that Reserve Bank. Since these auctions began, near the end of December, spreads on interbank term loans have fallen significantly, although they still remain elevated by historical standards. It will be difficult to determine the extent to which the TAF contributed to this easing of rates in the term funding market, since the counterfactual will never be observed. An earlier instance of elevation in term spreads, peaking in early September, abated without such action by the Fed.
As one would expect, revised assessments of mortgage lending risk have resulted in a tightening of credit standards. Many lenders are requiring larger down payments, and mortgage rate spreads have increased significantly for riskier borrowers and riskier products. Mortgage rates have come down since December the rate on conventional 30-year fixed-rate mortgages has fallen about 50 basis points. And even though the spread between jumbo and conforming mortgages has widened a bit, jumbo rates have also eased in recent weeks, coming down about 30 basis points. Spreads on investment-grade corporate bonds have widened over the last month, but still, the level of yields on such debt has fallen. On the other hand, interest rates on high-yield debt and commercial mortgage-backed securities moved up in the last half of 2007, and have increased further since the beginning of the year. The strong differentiation in the response of lending spreads across borrower classes suggests that increasing spreads have been driven mainly by changing risk assessments rather than bank funding pressures. Higher risk spreads and generally tighter lending terms will tend to restrict spending in the near term. But the fall in short- and long-term Treasury rates over the last few months has offset the upward movement in higher spreads for a wide range of borrowers. The net effect has been lower rates for all but the highest risk borrowers.
The economic outlook for 2008 has worsened in response to the developments of the last six months, and the recent flow of data has heightened the downside risks. The housing sector has been and will continue to be affected by the tightening we've seen in lending standards. Home construction is unlikely to bottom out this year, and I expect housing investment to continue to be a drag on growth through at least year-end. Business investment has contributed positively to growth over the last year, but I expect it to grow less robustly than in 2007, since some firms may see a higher cost of capital and some firms may face a decline in the demand for their products. Exports are likely to remain a source of strength next year, however, as a weaker dollar and relatively healthy economies overseas support demand for U.S. goods and services. Accordingly, I expect the trade deficit to continue to narrow, providing modest support to real GDP growth.
The main story in the forecast, though, remains household spending, which accounts for 70 percent of GDP. Consumer spending held up quite well up until the end of last year, having grown at over 3 percent in real terms during the three months ending in November. Higher energy prices and falling home prices are cited often as factors that could dampen consumer spending, and these are legitimate concerns. In addition, we could see more moderate growth in household income in the year ahead. Job growth slowed somewhat over the course of 2007, and in December employment was reported to have expanded by a meager 18,000 jobs, with the unemployment rate rising by three-tenths of a percentage point to 5 percent. Payroll employment is a fairly choppy series from month to month, however, and over the last three months payrolls grew by 97,000 jobs per month, on average. So while employment has certainly decelerated over the last 12 months, I continue to expect moderate job growth in 2008. With wage gains outpacing inflation now, and thus real incomes continuing to expand, I believe the most likely scenario is for reasonably solid income growth next year that will support some gains in consumer spending.
Putting it all together, I expect growth to be very weak for several more months, but to improve toward the end of this year. Clearly, the most cogent risks to the growth outlook are on the downside. With the strains in housing persisting, a substantial slowdown in business spending could raise the odds of a recession. This risk would be heightened if December's job market weakness proved persistent, pulling down prospects for personal income and household spending. Nevertheless, I believe the most likely outcome is for growth to continue and to improve. I should note that my baseline outlook does not depend on an overly sanguine view of financial market conditions, which are, after all, a significant source of uncertainty right now. Much remains to be learned about the magnitude of ultimate losses in various mortgage market segments and on various related securities. Episodes of turmoil could recur in response to new information. But I believe that financial market participants will find ways to work through problems as the year progresses. Financial intermediaries will re-adjust balance sheets and continue to replenish capital as needed, and investors' desire for transparency will help shape the next generation of financial innovations.
Risks are not limited to the outlook for real economic growth. Inflation has stepped up recently. As measured by the 12-month change in the PCE price index, inflation was 3.5 percent ending in June 2006. That measure of inflation fell to 1.8 percent in August 2007. Similarly, core inflation, which omits volatile food and energy prices, was 2.5 percent in August 2006, and then declined to 1.8 percent in August 2007. Those declines were heartening, and when the financial market turmoil intensified in August the improving inflation picture allowed even an inflation hawk to endorse an easier monetary policy stance. Since then, however, the inflation picture has deteriorated. From August through November, the overall PCE price index rose at a 4.8 percent annual rate, and the core index rose at a 2.9 percent rate. Judging by the closely related consumer price index, the numbers for December will not be any better. Now these numbers do display transitory swings, so I wouldn't extrapolate them forward indefinitely. Still, I have to say that I am uncomfortable with the inflation picture, and disappointed that the improvement we saw earlier this year was not more lasting.
I am also troubled by the lengthy divergence we've seen between overall and core inflation. Some of you may recall that core inflation was devised in the 1970s to filter out some of the more volatile consumer prices to get a better read on inflation trends. For several decades, core inflation seemed to work well due to the fact that food and energy prices had no clear trend relative to the overall price level. In the last few years, though, overall inflation has been persistently above core inflation, and few observers expect oil prices to go back below $20 per barrel. Because the job of a central banker is to protect the purchasing power of currency, it is overall inflation that we need to keep down, not just core inflation. Going forward, markets expect oil prices to back off slightly from their current level, and I hope they are right this time.
The Fed has responded to the slowing economy with a cumulative reduction in the federal funds rate of 100 basis points. A slowing economy requires a lower real interest rate because it means softer relative demand for resources now compared to the future. And the current downside risks mean that further slowing, and thus further easing, is quite possible. But inflation also presents risks. Throughout the period since 2005, when inflation rose, eased off, then rose again, longer-term inflation expectations have remained fairly stable. If energy and food prices continue to push overall inflation above core inflation, then this higher overall trend could work its way into expectations, further complicating monetary policy in 2008.
This is a revised and expanded version of a speech I gave to the Charlotte Chamber of Commerce on December 19, 2007. I am grateful to Roy Webb for help in preparing this speech.
Edward M. Gramlich, "Subprime Mortgages: America's Latest Boom and Bust" (Washington, DC: Urban Institute Press, 2007).
Jim Strader
(804) 697-8956
(804) 332-0207 (mobile)
Laura Fortunato
(804) 697-8196
(804) 698-0927 (mobile)


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|Kurt Nicolussi, Gernot Patzelt
|Editorial office:
|BFW, Austria
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The alpine timberline zone is very sensitive to climate variability. The rise of temperatures during the vegetation period over long periods induces also a rise of the tree line with higher forest stand density. Temperature reductions, however, will lead to less dense forests and a drop of the timberline. How and how fast do timberline forests react to changing climatic conditions? On this issue researchers of the Institute for Geography at the University of Innsbruck have conducted tree- ring analyses (dendrochronology) in the Tyrolean Central Alps where the timberline region is dominated by Swiss stone pine. According to these studies the distribution area of adult trees and regeneration has moved upwards during the last 150 years (Figure 1).
Fig. 1: In the mid-nineteenth century, the position of the timberline was at an elevation of 2180 m a.s.l. in the Kaunertal (Tyrolean Central Alps) In the meantime, regeneration of Swiss stone pine occurs at elevations around 2370 m.
Timberline rise and today's occurrence of Swiss stone pine and larch at the tree line has not happened continuously since the mid 19th century. Increased regeneration growth can be found from 1860 onwards. This coincides with a glacial melting phase following a peak in 1855.
During the last 25 years intensive regeneration growth could be found even above the established timberline in the Tyrolean Central Alps. Regeneration of Swiss stone pine reacts directly to improved climate conditions. Providing that the current temperature conditions persist, the timberline will advance around 100 to 150 meters above the one that existed in the middle of the nineteenth century.
Are the present conditions and changes something particular or has there been anything comparable before? For the assessment and classification of present conditions it would be reasonable to refer not only to the last centuries (being well documented) but to the whole post glacial period, which means the last 11.000 years.
Fig 2: For the period between 7000 and 2000 B.C. we can determine the position of the tree and forest line by means of dendrochronological analyses. They were located within or above today's potential level.
Timberline migration during the post glacial period can be determined now by dendrochronological analyses of tree remnants, some of them dating back thousands of years. These remnants were found in the Central Eastern Alps at and above the elevation of today's potential timberline. A timely precise and well determined picture of tree line changes over thousands of years could be established (Figure 2). There is evidence for the fact that during the mid-post glacial period the timberline was located above the current potential altitude. For example, between 4674 and 4377 B.C. a tree was growing at 2400 m a.s.l. in the Kaunertal. At this altitude, no tree growth at all would be possible today.
A comparison of the migration of alpine timberline with glacial variations during the last 11.000 years confirms the picture of a climatically favourable early and mid-post glacial period. Today's average temperatures have not yet reached the average maxima of this period even if the current level is clearly below the average of the past millennium.

subset: commoncrawl


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" Paperback: 400 pages / Publisher: Hodder Paperbacks / Published: 3 Jan 2013 / Language: English "
* Prices may differ from that shown
Queen Isabella of Spain will always be regarded as a bit of an enigma. On the one hand, contemporary sources claim that she was wise, kind and gentle, hating any kind of cruelty, including the popular sport of bullfighting. Her rule brought about the unification of Spain and heralded a new era of peace for its people. On the other side of the coin, she and her husband Fernando sanctioned the infamous Spanish Inquisition and the expulsion of all Jews from Spain. Her most vehement critics may also point out that her sponsorship of Columbus brought untold misery to the inhabitants of the Americas, although in her defence, there is no way that she could have predicted the eventual consequences of his pioneering voyage.
So how can these contrasting sides of her personality be reconciled? This was the task that C.W Gortner set for himself when writing The Queen's Vow, an account of Isabella's life, beginning with her early childhood and ending with Columbus setting sail for the New World. The story is a rich, sweeping epic, with an expressive, engaging narrative that completely immerses the reader.
Gortner's characterisation is wonderfully descriptive. I especially enjoyed the passages describing the greasy, world-weary king Enrique and his loathsome 'favourite', Villena. Equally fascinating was the depiction of Torquemada the Inquisitor as a gaunt, skeletal, shadowy figure, constantly lurking in the darkness.
The story sees Isabella develop from a shy teenager to a formidable warrior-queen. Gortner treads a fine line between writing sympathetically about the queen, whilst taking care not to justify her flawed reasoning and more extreme actions. It is clear that because of her devout faith, she believed that what she was doing was for the good of her country, although history would later judge her to the contrary.
The Queen's Vow is not just an historical epic; it is a human story, written in the first person perspective from a woman who initially felt overwhelmed by the tasks set before her, but rose to most challenges with dignity and wisdom. Her love for her husband was deep-seated and real, with the passage describing their first, 'stolen' dance in the garden one of my favourite passages in the book.
My only criticism was that the pace of the story was slow and plodding at times; fans of action and excitement may find themselves bored by the sedate tempo of the storyline.
Admire her or hate her, Isabella is sure to divide opinion, but this absorbing novel gives a fresh perspective on historical events by telling the story from an original and very personal point of view.


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Whatever...I'll continue to stick with the numbers while you guys can go with whatever it is you use to make your suggestions. Colbert does a great satire piece on how connies go with what "feels right" as in what their gut tells them. I'll post that up later. I think this thread speaks to that very well.
Sent from my DROID4 using Tapatalk 2
OK, go easy on Galen now. His guy and his Vice President foot-in-mouth have had a really rough week. G is obviously getting cranky over these moving poll numbers. We should let him vent a little without ridicule. :-)
Sent from my Xoom using Tapatalk 2


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The Most Distinguished Osmanli Naksibendi Hakkani Sufi Order is an authentic spiritual path (tarikat) that is deeply rooted in Islam and in the Traditions of the Seal of the Prophets, the Beloved of Allah, Prophet Muhammad (peace be upon him). It is the only Sufi path that traces its spiritual lineage back to the closest companion of the Prophet (S), Abu Bakr Siddiq (ra), 'the second of the two' in the Cave. According to the Prophet (S), all the secret knowledge that Allah put in the heart of the Prophet (S) was poured into the heart of Abu Bakr (ra). This secret knowledge, which is the Prophetic knowledge of Sufism, was then transmitted from heart to heart, from one grandshaykh to another. This order later received its name from Shah Baha-ud-Din Naqshband of Bukhara, the 19th Grandshaykh who lived in Central Asia.
Its purpose is a Prophetic purpose, to turn mankind away from this lower world (dunya) and our lower selves (nafs) to a higher existence (maula) and a higher self (ruh), ultimately to experientially realize the truth of the testimony of faith, that there is no God but God la ilaha illallah. This is achieved by understanding and adhering through practical living the lifestyle of the Prophet (S), the most perfect model for all of humanity and for all times, thus realizing the second phrase of the testimony of faith, Muhammadan Abduhu wa Rasuluhu– that Muhammad is the Servant and Messenger of God. The actualization of the second phrase is realized through initiation (bayat) and association (sohbet) with the inheritors of the Prophet (S), the living Saints (awliya) and Shayhks. Just as the companions of the Prophet (S) achieved spiritual perfection through association with the Prophet (S), so the followers (murids) of this Sufi order realize their spiritual potential through associations with the Shaykh.
The main concern of the Naksibendi (an-Naqshbandiyyah, Nakşibendi, Naksibendi, Naksbandi) Sufi Order is with the Greater Struggle (jihad-ul akbar), the spiritual struggle with the ego (nafs) and the other enemies of Man- shaytan, dunya, and hawa. In order to engage in this Holy Struggle, the murid must be in constant association with the Shaykh and he would then apply the teachings into his daily life. Shah Bahauddin Naksibend said "Tarikatuna Sohbah wal hayri fi jamiyah"– this Way is based on association and goodness comes through association. Just as a patient submits to a doctor, so the murid learns to submit to the Shaykh, who is a Spiritual Physician of the Heart. Through the cleansing of the heart from all idols and desires, the murid will then be able to transform his heart into the Throne of God, inviting Him to reside therein. Other spiritual practices include the remembrance of God (zikir), chanting the divine names of Allah and praising His Holy Prophet (S).
You may follow anyone.
If you can see from those meetings that some love is awakening in your heart for Allah Almighty, then you must keep with those meetings.
The love of Allah Almighty is not so easy, because you can not imagine Him. He is beyond our imagination.
Therefore Allah Almighty has put His Divine representation into His prophets.
Finally, He gave that Divine representation to His beloved Muhammad, blessings of Allah be upon him.
He was beloved by his Lord, Almighty Allah.
Grandshaykh Mawlana Muhammad Nazim al Kibrisi is the 40th Grandshaykh of the Most Distinguished Nakshibendi Hakkani Sufi Order. He is the Sultan of the Saints, the Qutub and the Ghawth of this era, the one who represents the Prophet Muhammad (S) for these times, the one who holds the secrets of these "End of Times", and of the Mahdi (as). He is a descendant of the Prophet (S), being both Hasani and Husayni from both his parents. He is also a descendant of Ghawth al-A'zam Abdul Qadir Gilani from his father's side and from Mawlānā Jalāl ad-Dīn Muḥammad Rumi on his mother's side, may Allah sanctify their secrets and raise their stations. He was born in Cyprus and travels around the globe bringing the message of peace and light to the whole world.
Shaykh Abdul Kerim al Kibrisi is Mawlana Shaykh Nazim's worldwide representative (khalifah). He is blessed not only with sacred lineage, being a descendant of the Holy Prophet's family, but he is also blessed with royal lineage of the Ottoman sultans. He was also born in Cyprus and personally raised and trained by Sultanul Awliya Mawana Shaykh Nazim. He was sent to North America at a tender age to acquire invaluable life experiences and ultimately to spread the true teachings of Islam and Sufism in this country and around the world.


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CONTACT: Steve Mullen (518) 629-8063
FOR RELEASE: Immediate, Monday, September 4, 2006
Former Hudson Valley Community College All-American Emmanuel Marc was honored as the Most Valuable Player of last Saturday's Detroit Football Classic.
Marc rushed for 129 yards, including a 33-yard touchdown run, to lead his Delaware State University Hornets to a 34-14 win over Florida A&M University.
The game was played at Ford Field in front of 29,713 fans and a national television audience on ESPNU.
Marc is Hudson Valley's all-time leading rusher. He was named the NJCAA Offensive Player of the Year in 2003.


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Bibliotheca Teubneriana Latina
- Language
- Latin. In Latin; user interface in English.
- Imprint
- [Berlin] : Walter de Gruyter.
- Physical description
- 1 online resource : HTML
Search this database
More options
- Summary
- "The BTL Online database provides electronic access to all editions of Latin texts published in the Bibliotheca Teubneriana, ranging from antiquity and late antiquity to medieval and neo-Latin texts. A total of approximately 13 million word forms are thus accessible electronically. The user interface allows various and differentiated searches. Classical scholars and ancient historians are provided with a valuable tool for both research and the preparation of teaching at school and university level."
Bibliographic information
- Beginning date
- 2009
- Title Variation
- Title on cover image on home page: Bibliotheca Teubneriana Latina (BTL) online
- BTL online
- Bibliotheca Scriptorum Graecorum et Romanorum Teubneriana
- Also known as: Teubner critical editions of Latin texts
- Frequency
- Updated annually.
- Vol/date range
- Began in 2009?
- Note
- Title from home page.
- Format
- Mode of access: World Wide Web.
- Supersedes
- Bibliotheca Teubneriana Latina
- 2193-4282


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The rigours of hospital life begin in earnest this week for the latest crop of new doctors, writes Health Reporter Amanda Dunn.
James Ward is already bracing himself for his stint on night shift as an intern at St Vincent's Hospital this year.
"Apparently you need to drink lots of coffee," he says.
But his first rotation is in the emergency department, which is already proving to be hectic: in a 10-hour shift, he says, he stops for about 20 minutes to have something to eat.
And as with all the interns who are beginning their professional working lives this week - working full time as doctors after years of study and hospital rounds - Dr Ward, 24, now has the opportunity to transfer all that learning into practice.
"That should be interesting," he says. But he is confident the shift from books to bedside will not be too great, given that much of the training of medical students is focused on patients.
"We have been seeing patients, we just haven't been treating them ourselves," he explains.
Across at the Royal Melbourne Hospital, Dr Ward's former classmate at Melbourne University, Andrea Bowyer, has night shift as her first rotation.
At this stage, she is leaning towards trauma and emergency medicine as a specialisation, although she does not have to decide that just yet.
But for now, Dr Bowyer, 26, will be one of two interns working night shifts and covering eight wards. She works 9.30pm until 8.30am on a roster of seven nights on, seven nights off.
It will no doubt be a challenge, she says, "but I also think nights are good, because you actually have time to sit down and think".
Later in the year, she will work in a general ward and a surgical ward, and complete a country rotation at Wangaratta.
At the Northern Hospital in Epping, Michael Merhi cuts a slightly unconventional figure among its 23 interns. He already had a PhD in medical science, at 31 he is a little older than many of the other interns, and he is married with two children.
His first couple of days as a new doctor - the interns have only provisional registration until they pass this year - were filled with the usual nerves and uncertainties of a new job.
"It's quite hard," he says. "We still don't know the names of people, we don't know where things are kept."
Rosemary McKemmish, who manages the interns and registrars at the Northern Hospital, says it is unusual for young doctors to drop out during the intern year - and if they look like they are heading that way, she says, they are encouraged to stay and at least become fully registered before making a decision. She has noticed a couple of trends in recent years: there seem to be fewer nerves among interns, which she attributes to their experience in hospitals during university courses, and the proportion of female doctors is growing.
Among the 47 interns at Monash Medical Centre is Chris Stokes, 24, who is keen to specialise in anaesthetics, largely due to some good experiences during medical school rotations.
He will have two country rotations this year - in Mildura and Traralgon - and says he is looking forward to them, to find out how different it might be from working in a city hospital.
And at The Alfred hospital, Chantal Esnault is working her first rotation in a short-stay unit, where patients are usually discharged within 48 hours. Among other things, Monash University-trained Dr Esnault, 23, has so far been checking patient results and drug charts, and putting in intravenous lines. She comes from a medical family - her sister is a doctor and her mother is a nurse.
She is not yet sure of her area of specialisation, but has no doubts this is the right profession for her. "I'm really, really glad I have chosen it," she says. "It's really rewarding and really interesting."
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What you should know about the spread of invasive species in Minnesota
The following targeted Hungry Pests have federal quarantines in certain areas of this state. Note: Other Federal and State quarantines may apply.
In addition to federal quarantines, state-level quarantines might apply.
Learn about state-level quarantines.
Download Minnesota's invasive pests factsheet.
This state has some crop, forest, or urban area(s) where the following pests or diseases could survive year-round.
Khapra Beetle (wp)
Attacks: Stored grains
Minnesota: State Information
Minnesota's $7 billion forestry industry is the State's fourth largest manufacturing sector, employing more than 90,000 people. If these hungry pests get to a stage where they become unmanageable, our forest and economy could take a turn for the worse. The value of Minnesota's urban community forests is $760 million, so both rural and urban communities are affected by these pests. Invasive species could also affect our traditional agriculture and produce production. Many of the above pests have the potential to hurt Minnesota crops.
Hungry pests are facing Minnesota from all directions. Keeping invasive species out is the focus of the Pest detection and Response Unit (PDRU) in MDA's Plant Protection Division. PDRU's technical specialists are among the Nation's experts in knowing what pests are threatening our State, the most effective survey methods to detect new pest populations early, and how to effectively respond when a new pest is detected. Learn more about our State's work with invasive pests at: www.mda.state.mn.us/plants.aspx.
Report a Hungry Pest in Minnesota
Plant Pest or Disease
Erin Stiers
Animal Pest or Disease
Assistant Director
Find state department of agriculture contacts here.


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Many people turn to these agencies first before they consult with an attorney. Many clients have expressed great concern over the way their financial affairs were handled by credit counselors. We have received reports from several individuals that they received no help from credit counseling. These cases usually involved agencies that require a large payment up front or ones that state they will hold your money and then try to negotiate settlement with your creditors. Before you enter this type of arrangement contact the Missouri Attorney Generals CONSUMER FRAUD office and the BETTER BUSINESS BUREAU.
1. Credit Counseling: What Are They? What Do They Do?
Credit Counseling Agencies are collection agencies working for and are controlled by the credit card companies.
At most they will help you lower your credit cards interest rates a little. and only with respect to credit cards with companies that are willing to participate. If you need is to get rid of debt Credit Counseling Agencies are of no use. Only bankruptcy can actually get rid of debt.
If you want to consider a credit counseling plan first check out how bankruptcy works. You will be totally surprised. Bankruptcy is so much better than credit counseling.
2. Credit Counseling: Many Are Scams:
Many of the organizations that run ads on TV and on the Internet, are simply scams organizations. Their goal is to get you to send them money. The sad thing is that people actually fall for these scams.
Unfortunately, there is very little State or Federal regulation to oversee these organizations.
3. Credit Counseling: The False "Non-Profit" :
They use not for profit to make the public think they are benevolent. WRONG. The truth is that any organization can make itself look like it makes no profit by simply paying huge salaries to its officers and other employees… or by paying inflated costs out to affiliated "for profit" companies.
4. Credit Counseling: The Misleading "SAVE 60% IN JUST SECONDS" Pitch:
Many, Credit Counseling Agencies use misleading promises. They are only talking about credit card accounts, and then only with respect to those credit card companies that have agreements with them. Second, is the fact that they sound like they are getting rid of your debt. This is not true. You still have to pay the whole debt, plus plenty of interest. And this is the main distinction between what credit counseling and what filing bankruptcy can do.
5. Credit Counseling: They Are "Bill Collectors", Working For & Controlled By Credit Card Companies:
Certain credit card companies agree to lower their interest rates somewhat in exchange for agreeing to accept regular monthly payments on a repayment plan set up for a period of years by one of these credit counseling agencies. The reason credit card companies do this is to keep would-be customers out of the hands of bankruptcy attorneys. Bankruptcy attorneys don't just lower interest rates…bankruptcy attorneys eliminate debt and they sure aren't bed partners with the credit card companies. Bankruptcy attorneys use the bankruptcy laws to actually get people out of debt.
Understanding all this…is it any wonder that these credit counseling places "bad mouth" bankruptcy. Bankruptcy does what credit counseling agencies can only dream about doing for their customers.
6. Point By Point – Bankruptcy versus Credit Counseling:
Here are just a few of the things bankruptcy can do that credit counseling cannot.
Credit Counseling: The creditors are in control.
The bottom line: Instead of telling people how bankruptcy really works….and all the good things that can come from filing bankruptcy……the credit counseling outfits are forced to feed off the "stigma" that most people attach to bankruptcy.
7. Credit Counseling: Putting People Into Plans People Cannot Afford:
And even worse, the public gets sucked into repayment plans that….in my experience…they generally cannot afford…spending hundreds of dollars a month on credit counseling repayment plans….repayment plans which suck away money desperately needed to take care of and support their families….repayment plans which virtually guarantee that….in the final analysis…the only option left will be bankruptcy.
8. Credit Counseling: Leaving Families Worse Off:
And even worse is that fact that putting people into credit counseling repayment plans that they cannot afford, only makes things worse. People are left worse off than if they had never signed up.
9. Credit Counseling: Their Real Purpose- To Keep People Away From Bankruptcy Attorneys:
There are, I am sure, people who have successfully completed one of these credit counseling plans, but I suspect the percentage is very small. From the credit card company's point of view, credit counseling programs are always a success…regardless of whether or not the customer completes the repayment plan. Why? Because every month a customer makes a payment on one of these repayment plans…. is a month the credit card companies take in more money than if the customer filed bankruptcy ….and one more month that the customer is kept out of the hands of a bankruptcy attorney.
10. Credit Counseling: The Credit Card Company "Kickbacks" They Do Not Tell You About:
One of the major "come-ons" the credit counseling companies employ is that fact that they do not charge you for their service. But…think about it. Every organization has to pay its bills, the salaries, the rent, the utilities, the cost of all those ads on TV, the cost of phone book ads, etc., etc. The money has to come from somewhere. So where does the money come from?
The answer is "kickbacks" from the credit card companies.They call this money "fair share". The credit card company pays the credit counseling company a percentage of the money that the credit counseling company collects for and sends in to the credit card company. The problem with these kickback-based operations is that the credit card companies can then exert tremendous pressure over the credit counseling companies to downplay, bad mouth and misrepresent the bankruptcy laws.
11. More Bad News About Credit Counseling:
And, this is just the tip of the iceberg. There is lots of bad news about Credit Counseling. But don't take our word for it. See for yourself the report from the Consumer Federation of America, a major consumer protection organization. To find the report, go to http://www.consumerfed.org/ , then click on "Finance", then click on "Credit Counseling". The report is entitled: "FIRST-EVER STUDY OF CREDIT COUNSELING FINDS HIGH FEES, BAD ADVICE AND OTHER ABUSES BY NEW BREED OF "NON-PROFIT" AGENCIES".
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Steamboat Springs Debi Garoutte is constantly saddened by the poor dental health of children throughout Northwest Colorado.
Garoutte, executive director of the Northwest Colorado Dental Coalition, said she has become accustomed to seeing kids who haven't brushed their teeth for months and who can't sleep at night due to the unbearable pain of dental decay.
"It's so sad," Garoutte said. "Oral health decay is a very serious problem that has been linked to an incredible number of other health problems."
Fixing dental decay and other oral health problems is the mission behind Miles for Smiles, a roaming dental care van that provides professional dental care to western Colorado children not protected by dental insurance.
The Miles for Smiles van makes its stop in Steamboat Springs next week, when it will be camped out in the Yampa Valley Medical Center parking lot Monday through Friday. Garoutte encouraged families from the Oak Creek and Hayden areas to come to Steamboat for Miles for Smiles services.
The 36-foot van is equipped with two dental chairs, a laboratory and sterilization equipment. The van and its staff dentist and assistant can provide an assortment of dental services, from screenings to X-rays, exams, fluoride treatments, sealants and emergency care. Miles for Smiles seeks not only to clean teeth, but also to educate children in good dental hygiene, Garoutte said.
Children under the age of 18 who have no dental insurance and are not covered by Medicaid qualify for Miles for Smiles services. Patients are charged a $15 appointment fee plus 10 percent of the cost of any dental work performed.
In the end, patients receive a 90 percent discount on dental services, Garoutte said. Additionally, Miles for Smiles will ensure all qualified patients receive the dental care they need, Garoutte said.
"All the children are taken care of when the van leaves," she said.
The van is sponsored by Blue Cross Blue Shield, Kids In Need of Dentistry, the Northwest Colorado Dental Coalition with cooperation from Yampa Valley Medical Center, Northwest Colorado Visiting Nurse Association, Rio Blanco County Nursing Services, Routt County and Moffat County United Ways and the Health Care Foundation of the Yampa Valley, in addition to other local support.
Last year, Miles for Smiles treated 324 patients and provided $72,194 in dental services. Garoutte said appointment numbers already tripled for this year's van tour, and she hopes Miles for Smiles will double its previous year patient numbers and services provided figures.
Parents and children do not need an appointment for Miles for Smiles services, but they will need to fill out an eligibility form and provide proof of salary. CHP patients are eligible for dental van services, Garoutte said.


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I was reading your articles on How to Build a Computer Part 3, setting it up, showed an ASUS gold-colored update logo, select the update method. How do you get that icon to come up on your computer?
How-To Geek Forums / Build Your Own PC
ASUS update logo(4 posts)
the asus update is available in windows. after installing windows you will install the asus update from the motherboard driver disc.
Or you can download the update utility from their website, which is probably the best bet as they've made a lot of updates to it.
What's the advantage of Asus Update? EZ Update works well with files on a USB flash drive.
Topic Closed
This topic has been closed to new replies.


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Sports Challenge: 10/02/13
By: Marcus Officer
In this week's sports challenge I went into hawk country to take on the number three ranked Wall Hawks defense.
We were in the nest of the hawks to see if we could score on one of the top defenses in the state.
With Head Coach Houston Guy on our side, I teamed with the offense to see if we could move the ball on the d. I tried my hand at quarterback and quickly found out just how fast the hawks flew to the ball.
After several incompletions I asked Coach Guy how Wall's defense has been so good this year. After failing to complete a single pass as quarterback, I switched positions and lined up as a receiver.
I was able to crack the end zone from a few yards away on a slant route and a few plays later snagged another touchdown pass on the fade.
But those two touchdowns were the only scores we could muster from the defense. The Hawks proved worthy of their ranking and are this week's sports challenge winners.
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Threesixtyg necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 114 diseños de 54 diseñadores freelance.
we need a great logo for our bicycle company. we manufacture cruise bikes with alternative power source assistance via small gasoline engines. The bikes vary from retro cruiser to 1970 Steve Mcqueen style bikes. We are not trying to create a classic brand. it needs to have some jump to it. what makes our product cool is that it does not look hookey, it is very streamlined and modern bike.
AMPT Bikes
The logo should be vector.
300 dpi
- i can not think of a scheme so you are on your own, thats why i hired you. I would like a scheme if you can think of one..Good Luck
- Please do not use script font, i am not looking for a soft or classic logo.


text: D-Link 10 Inch Wireless Internet Photo Frame Review Stephen Fung November 21, 2008 Miscellaneous, Reviews 0 Flares Twitter 0 Facebook 0 Google+ 0 Pin It Share 0 Reddit 0 Email -- 0 Flares × Prev1 of 5NextUse your ← → (arrow) keys to browse D-Link is normally known for networking equipment like switches and routers. In fact, we've had the pleasure of reviewing their products in the past and found them to be of excellent quality. In the last few years though, their reportoire of product has expanded to include items like media servers, VOIP handsets, Internet cameras, network storage servers and recently, Digital Photo Frames. Although digital photo frames can seemingly be purchased anywhere (even at the grocery check out), D-Link thinks they can do it better. Today, we'll be looking at D-Link's DSM-210, a digital photo frame that combines a 10 inch screen, WiFi and 1GB of onboard memory. Features and Specifications It's pretty easy to lump this product with so many other like products on the market. They all have a screen, they all have some memory onboard or the ability to take a memory card, and they all show your pictures. It's what D-Link has done to tweak this frame that sets it apart. D-Link has incorporated wireless (802.11g) and wired (10/100) internet capability into this frame to take advantage of a series of features that really make this more than just a 10 inch digital photo frame with a gigabyte of memory onboard. Once registered on their service called Framechannel, the frame can stream photos from your Facebook, Flickr and other services online. The frame can also stream news, RSS feeds of your choice, and the shared photos on your network. If you're Internet challenged, don't worry. The frame still functions albeit in a more impaired state. You lose all of the above, but you can take advantage of the 1GB of memory onboard to store your photos. I know, it's piddly in this day and age. That's why D-Link lets you use either the memory card slot or a USB drive filled with your photos to supplement that. All of this is wrapped around a 10 inch LCD screen that supports a 16:9 format at a resolution of 800 x 480 pixels. If you're into more techie specs, you can find a whole bunch of them right here. What's in the Box In order to keep the product simple and accessible, the D-Link DSM-210 comes with a fairly simple bundle. Inside the box you get: DSM-210 Photo Frame Frame Stand Black and White Faceplates AC Power Adapter Remote Control Quick Setup Guide and Software CD Ethernet Cable Overall, it's really all you need to get going if you've got a wired or wireless network. If you have neither, well it sucks to be you. The only thing that's really missing are a set of screws and wall anchors to allow you to hang the frame if you choose to. Real-Time Price and Stock Check - Find More Digital Photo Frames Here Prev1 of 5NextUse your ← → (arrow) keys to browse


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Attention, Chicago: You have just been Curbed. The network of local sites launched three of them in the Windy City Wednesday — Curbed Chicago (neighborhoods and real estate), Racked Chicago (retail, shopping, sales), and Eater Chicago (food, obviously) — as well as debuting Eater Austin for Austin, Texas.
Curbed is now up to 19 sites in its six-year existence, with Curbed Chicago joining similar sites for New York, Los Angeles, San Francisco, the Hampton, and a national site, and the two new Eater sites joining those for New York, San Francisco, Los Angeles, Portland (Ore.), Miami, and a national site.
Chicago resident Mark Boyer is at the helm of Curbed Chicago.


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Aug 21 2014
If this game is any indication, Philadelphia Eagles fans are going to have a lot to celebrate this season.
The Eagles dominated the Pittsburgh Steelers in all facets of the game, winning 31-21.
QB Nick Foles looked sharp throwing for 179 yards and a first quarter TD to RB LeSean McCoy. Offseason acquisition RB Darren Sproles rushed for a TD and looked very much at home in head coach Chip Kelly's offense.
Despite the two fourth quarter TD passes from QB Bruce Gradkowski, head coach Mike Tomlin and the Steelers have a lot to work on.
August 22, 2014
pickleknees · draftee
Well chip Kelly was still on oregon.
August 22, 2014
r232dewy · veteran
gj eagles nice game nice game
August 22, 2014
rw3gohawks · draftee
oh yah!!
August 22, 2014
yunis154 · rookie
McCoy was awesome at that game
August 22, 2014
allprobrady · veteran
Chip Kelly
August 22, 2014
mattstafford009 · draftee
foles deserves the credit.
August 22, 2014
mattstafford009 · draftee
first comment!


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Ranch-Style Dressing RecipeRead Reviews Be the first to add a review
3 2
Looking for a low-fat dressing for salads without the preservatives of already-prepared varieties? Then this recipe is for you. It's a creamy topping for any crispy greens. You'll want to keep plenty on hand...it disappears quickly!—Sheree Feero, Golden, Colorado
Recommended: Homemade Mixes for Popular Pantry Staples
- 2/3 cup 1% cottage cheese
- 3 tablespoons fat-free milk
- 1 tablespoon tarragon vinegar
- 1 garlic clove, minced
- 1 tablespoon sliced green onion tops
- In a blender or food processor, blend cottage cheese, milk, vinegar and garlic until smooth. Add onion tops; blend just until combined. Store in the refrigerator. Yield: 3/4 cup.
Originally published as Ranch-Style Dressing in Taste of Home April/May 1996, p44
Reviews for Ranch-Style Dressing
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Click stars to rate
Any changes to your rating or review will appear where you originally posted your review


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{ Goto Comments Goto Comments End}
Prize Details
(1) GRAND PRIZE: an eight day/seven night all - inclusive trip for Grand Prize Winner and one guest to the RIU Palace Cabo San Lucas, Mexico. The specific destination will be announced by the Show's host on Monday, April 22, 2013 during the Show. The Trip will include the following for the Group: (a) one coach class round trip airfare per Guest from a major US Gateway nearest Winner's residence to a major commercial airport nearest trip destination, (b) one room/double occupancy hotel
accommodations, at the RIU Palace Cabo San Lucas (c) all - inclusive, portion of prize will be subject to all terms & conditions of the RIU Palace Cabo San Lucas, Resort, and (d) airport/hotel transfers at Destination. ARV of Trip: $5,000.
Open only to persons, who are, as of date of entry, 21 years of age or older, legal residents of, and physically located within, the 48 contiguous United States or D.C.
Only one Entry per person/email address per Daily Entry Period. Entries
Review and Additional Information
Watch the Home & Family Show airing on the Hallmark Channel on Monday, April 15, 2013 starting at 10:00 AM ET/9:00 AM CT/7:00 AM PT to hear the two different clue words which will be announced during the Show. The first Clue Word will be announced during the first hour of the Show,and the second Clue Word will be announced during the second hour of the Show.
You may earn one additional entry per day by watching the Show on Tuesday, April 16, 2013 and/or Wednesday, April 17, 2013, (each day at 10:00 AM (ET)/9:00 AM (CT)/7:00 AM (PT) when two different Clue Words will be announced each day on air.
You must enter both Clue Words correctly in order to complete your Entry.
You must be logged in to view comments:
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Al Jackson's Twitter
Forrest Shaw's Twitter
Only If You Want. No Pressure!
Tag Archives: funny uber
Burbank Comedy Festival (Live)
Click to listen to the episode. Or visit Itunes. Follow our guests: Geoff Keith : @GeoffKeith Dana Eagle : @DanaEagleTweets Jay Hollingsworth : @BigIrishJay Orlando Leyba : @heylando
Posted in What's What Podcast Tagged al jackson, al jackson comedian, al jackson comedy, burbank comedy festival, dana eagle, forrest shaw, forrest shaw comedian, forrest shaw comedy, funny uber, funny uber stories, geoff keith, jay hollingsworth, orlando leyba, uber, what's what podcast, whats what, whats what podcast Comments Off


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Monday-Thursday : 10-7 •
Friday-Saturday : 10-5
200 Lisbon St, Lewiston ME 04240 •
view Auburn Public Library's hours
There are two parking garages in easy walking distance. One is on the corner of Park St. and Oak St. (marked in green), and the other is on the corner...
Lewiston History
We have historical & genealogical resources on Lewiston, Androscoggin County, and Maine. The non-genealogical materials are detailed below; please...


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Avengers Football - New York City's only nationally ranked football program in 2012 - will be featured in a two-part television special as part of the local series "City Gridiron."
"City Gridiron: ASA College" follows the Avengers, ranked in the top five of National Junior College Athletic Association (NJCAA) polls during the 2012 season, as they navigate through an undefeated regular season, earn their first Northeast Football Conference (NEFC) championship and compete in the inaugural Carrier Dome Bowl at Syracuse University. The special will also take an in-depth look at the coaches, players and administrators who have helped turn ASA College Athletics into a nationally recognized Division I junior college athletic department in only five years of existence.
Cozzi Pictures, creators of the "City Gridiron" series, has been producing New York City sports content since 2008. When asked about the interest in covering ASA, executive producer and director Adam Salazar said, "Doing a feature on ASA College was a logical step for us after covering New York City high school sports for as long as we have. I am a huge proponent of our city's athletes and their successes, and ASA has provided a place for those athletes to continue their dreams. The partnership was a natural fit."
For more information on City Gridiron, please visit the series page on the NYC Media Website.
Video has no source UrlVideo has no source Url


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illyanna Maisonet | Web Editor
Here's your chance to see Sarah Neufeld of Arcade Fire Perform @ Swedish American Hall!
Sarah Neufeld is a violinist and composer based in Montréal, Canada. Best known as a member of Arcade Fire, she is also a founding member of the acclaimed contemporary instrumental ensemble Bell Orchestre, and most recently as half of an exciting new duo with renowned saxophonist Colin Stetson. Tuesday, March
We've got the hookup to The Revivalists @ The Independent!
True to their name, The Revivalists lean more heavily on the older styles and warmer sounds of the golden age of rock 'n roll, but the band isn't afraid to dabble in electronics and sleight-of-studio when it's right for the song. The group tends not to bother with questions like
Want to see Pusha T perform live at Regency Ballroom for FREE? We've got the hookup!
Pusha T hails from Virginia, where he and his brother, Gene 'No Malice' Thornton, grew up. In 1992, Terrence and his brother Gene formed the duo Clipse. With help from American record producer and fellow Virginian Pharrell Williams, the duo eventually signed to Elektra Records in 1997 and released Exclusive Audio Footage, their
Watch the Candyland DJs perform live @ Social Hall SF!
"Santa Barbara's electronic dream team Candyland consisting of Josie Martin and Ethan Davis, refuse to disappoint fans and continually surprise critics. Their secret seems to be a constantly evolving sound that taps into a myriad of genres, from glitch to disco and back again." Candyland and Kill Paris has played
Here's your chance to see Megadeth perform live @ the Warfield!
It was over 30 years ago that Dave Mustaine founded Megadeth, in the process pioneering the sound that would become known the world over as thrash metal. And from the very beginning, the band proved to be the most lethal and audacious unit on the heavy music scene, pushing thrash
Want to see Goldlink perform live @ Social Hall SF? We've got you!
"To call GoldLink an aspiring rapper would not do him justice. The DMV-bred emcee accrued over three million plays on his Soundcloud and captured the attention of an entire industry with the first project he ever released. GoldLink's sound doesn't throw it all the way back to the boom-bap, New
This Week's Events | San Francisco
Rad Upcoming SF Events PUPPY BOWL THU. 2/4 | 11:00AM @ FERRY BUILDING Animal Planet's "Puppy Bowl Cafe" is coming to San Francisco during Super Bowl week and you can watch it live in person from February 4-7, 2016 at the Ferry Building. ADMISSION: FREE FLAMING LOTUS GIRLS: IN THE


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Austin Wedding Florist
Pink Roses with velvety-soft petals, lilies fresh and dressed in white, or tropical Birds of Paradise shooting up towards the sun – whatever your favorite flower is, you can incorporate it into your wedding décor and accessories. With the help of an experienced Austin wedding florist, the possibilities are truly endless.
Austin Wedding Florist: The Enchanted Florist
Located at 1616 Lavaca, The Enchanted Florist is a family owned and operated business – dedicated to providing the Austin area with the best choices in wedding flowers and blooms for other events. Stop by the store and meet with the staff so they can become familiar with your needs, your budget and your favorite flowers. Bringing pictures or your wedding colors with you is a great way to get the florists' creative juices flowing so they can help you decide on the best centerpieces and arrangements possible.
Austin Wedding Florist: Charlotte's Fiesta Flowers
With beautiful options for bouquets, like the Very Berry bouquet featuring berries, greens and striking red roses – Charlotte's Fiesta Flowers is sure to have options you will love. If you want to custom-create something, let the friendly staff know and they'll try their best to accommodate you. Trailing roses, orchids and lilacs make up the 'Here Comes the Bride' bouquet, and each bouquet can be paired with matching centerpieces or arrangements. Charlotte's Flowers also has decorative flowers, boutonnières and extra flowers for cake decorating.
Finding an Austin Wedding Florist: Tips and Ideas
Before you begin shopping around, look through bridal magazines or websites to find bouquets and centerpieces you absolutely love. This can help you be more prepared as you choose an Austin wedding florist. Also, always be up front about how much money you plan on spending, because a great florist can help you choose gorgeous flowers within your budget.
The Enchanted Florist
Charlotte's Fiesta Flowers


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Skip to Content
"10 Things Commerce Secretary Wants Business Owners To Know"
"The Commerce Department's Gold Key Matching Service helps businesses export their products. For a modest amount of money, we will examine your business, tell you where your product is competitive (overseas) and introduce you to the appropriate people so you can bring your product to that country." Read entire Crain's Chicago Business, Nov 7, 2013 article of Secretary Penny Pritzker's speech
From left to right – Julie Carducci, Marianne Drain, Debra Rogers, Mary Joyce (Center – Commerce Secretary Penny Pritzker), Christian Koschil, Megan Schildgen, Michael Marangell and Neil Pickett. Staff not pictured: Patrick Hope, Haley Pitonyak, Shari Stout, Vicki Tolefree and Monica Toporkiewicz
"The service we provide is quite complex, and because of this I did not know what to expect from the Gold Key Service. I was in for a surprise! The Commercial Service quickly understood what Regis did, and assembled a very complete list of potential companies to meet during my trip to Israel. These meetings were incredibly challenging for me, but the Commercial Service was there helping me all the way. The follow up report to the visit alone was worth thousands of dollars to Regis and illustrated the potential for yet another trip to Israel." Regis Technologies, Paul Flynn, Business Development Manager
To View More Client Testimonials – Click here to VIEW
Video of Client Testimonials – Click here to VIEW
The U.S. Commercial Service is the trade promotion agency of the U.S. Department of Commerce and provides export assistance to U.S. exporters. Our Trade Specialists work with your company to help you increase your sales to new global markets. We operate in 108 U.S. cities and nearly 80 countries.
Our three Illinois offices are committed to assisting Illinois firms in realizing their export potential. We provide export counseling and advice, information on markets abroad, international partner contacts and advocacy services. During 2012-2013, this assistance resulted in 1466 export successes for small and medium businesses, generating nearly 467 million dollars in export sales for the Illinois economy.
Take the first step into finding new markets! Contact your local Trade Specialist who can help increase your export sales.
U.S. Commercial Service Illinois Offices:
Chicago, Peoria and Rockford
Doing Business in Africa – Learn More about the Campaign
Sign up for an Upcoming Trade Mission
See the list of newly announced 2014 International Buyer Program trade shows


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Always a fan of indie game development and exciting new IP's, Battle Club Gaming have been ardent supporters of Mike Hanson's forthcoming XBOX Live title Power Up – keeping up to date with the latest news via Psychotic Psoftware's social media…
As support for Psychotic Psoftware continues to build and with the mighty Gamasutra now promoting Mike's blog Psychotic Pspeaks, followers of this lovely looking shmup can rejoice at the news – Power Up's own Kickstarter fund began on the 29th of Jan and runs for thirty days, ending Feb 28th 2013.
BCG throws down its own gold and coins of silvery shine and takes a look at what those pledges will get you.
Power Up won't be content with fame on XBLIG alone, PC owners will no doubt wish to see this epic shoot-em-up available for their platform… and now they can!
"POWER UP" – The modern retro SHMUP for PC and Xbox!
Pledging is open internationally with amounts ranging from £2 – £135 (around $3 – $208 USD) and will net you some pretty cool benefits. Ever wanted to see your name in the credits of a game? For the very reasonable backing amount of £5 (about $8 US) you can have just that.
Power Up aims to see £5,000 come the end of this month – Battle Club Gaming are proud to join Mike's growing community of backers in support of his project and independent game development.
Related features: BCG Psychotic Psoftware interview / Power Up preview.


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ED Magedson – Founder
Ripoff Report
Casey Hueser2828 South 21st street, Saint Joseph , Missouri USA
Casey Hueser, Casey Heezer,T/A Caseys Customs DANGER keep away from this guy, he takes your money and keeps the goods. Saint Joseph Missouri
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Fix it the right way.
Corporate Advocacy Program™
I love old American cars /trucks and are currently restoring a 1936 Ford pick up truck that I shipped over to the UK from Oregon last year,
I spend nearly every weekend working on the old truck and most evenings trawling the internet searching for parts etc, so when on 28th October I found a rare set of four 16 inch wire wheels on e-bay I begged my wife to buy them for me for Christmas.
Although the wheels would proove expensive to ship to the UK, I convinced her that she loved me enough to pay the $400 for the wheels plus $325 shipping making a total of $725 which my wife paid imediatly through PayPal,
A couple of weeks went by in which I kept in regular contact with 'CaseysCustoms' via e-bay and his facebook page, only to receive a message saying he had miscalculated the shipping costs and that he required an additiional $225,which again my wife paid straight away without question, as she knew I did not want to loose the wheels at this late stage. this makes a total of $950
I was initially anoyed that Casey Hueser had not taken the effort to source a firm shipping quote earlier, as if I was given a more accurate figure in the first place I might not have gone ahead with the deal , I was also feeling uneasy with the thought I might be being ripped off and would I ever see the wheels , so I voiced my concerns to him , only to be told that he had a good reputation to uphold and that my money was safe , so I let the deal proceed.........
Alas I was then stalled, I believe to try and wait for the 45 day time limit period to expire that e-bay set for a dispute to be raised by me , but luckily I realised what was happening and have filed a grievence with 'Caseyscustoms' through e-bay and with their help I will probably get the $725 back for the initial transanction , but not the $225 for the additional shipping charges,
I say probably, because I have as yet received no money even though a refund was issued by 'Caseyscustoms' through Paypal , this was not honoured by his bank as it was reported he did not have sufficient funds in his account and this was the same responce when PayPal represented Mr Hueser's check for the second time
So to date I have not received the goods or my money back leaving me $950 out of pocket
It's not just the money but the priciple, as Mr Hueser has re advertised the wheels and is still trading on varoius websites such as craigs list and e-bay by using other accounts and changing e-mail addresses etc
This man shoud not be allowed to get away with ripping people off and in my case he thinks he can get away with it because I live thousands of mile away
All that it leaves me to say, is that this saga has not put off this 'Old Limey' from coming to the USA, as being a lover of all thiings American a US road trip has been the top of my 'bucket list' for some time now, so who knows one day I just might pay Mr Heuser a visit...........
Dave , Spilsby Lincolnshire UK
This report was posted on Ripoff Report on 12/25/2013 05:38 PM and is a permanent record located here: http://www.ripoffreport.com/reports/casey-hueser/saint-joseph-missouri-64503/casey-hueser-casey-heezerta-caseys-customs-danger-keep-away-from-this-guy-he-takes-yo-1109838. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Q & A with the Artist
Tell us about your first concert experience:
My first performance was at my high school actually. I was nervous at first, but was surprised to see that the crowd appreciated what I had to offer as a performer.
If you couldn't be a musician, what would you be doing instead?
I'd probably be a lawyer.
If you could collaborate with one artist, living or dead, who would it be and why?
Jay-Z because he is regarded as such a legend. As one of the best rappers and artists of our generation, he is someone I'd like to be able to share a record with.
If you became President, what is the first action you would take?
I'd work on healthcare reform. I know it's easy to say, but that would definitely be my main focus and I hope that it continues to be a focus of current and future presidents.
What social cause is closest to your heart?
World hunger issues really get to me because there is so much one person can do to help, and it is sad that we still haven't figured out a way to better distribute food to those in need.
What does the right to vote mean to you?
It means that you're involved in impacting a country or the world itself. We vote when we believe in something.
What bands or artists did you listen to when you were in high school? And which bands or artists influenced your style the most?
I listened to a lot of John Mayer, Kanye, and Jay-Z and they've all been equally influential to my music. I actually met John Mayer for the first time a few weeks ago, and am excited to one day meet Jay-Z and Kanye as well.
What activity or group were you involved with in high school that might surprise people today?
The debate team. It might surprise people at first, but usually when I tell someone they say something like "Oh, now I get it".
What's the biggest obstacle that you had to overcome in high school? (could be personal or academic)
The hardest thing for me was to keep focused on studying. As I started to take music more seriously, it was difficult to balance the two.
Do you do any volunteer or community work when you're not on tour?
I help my church out with different community projects and also make it a point to go back and visit my high school and help out the people who supported me from the beginning.
What change would you like to see in our society in the next year?
I would like to see the murder rate lowered significantly. Once again, and easy thing to say, and a harder thing to do, but the violent crime in Chicago is a constant issue that needs to be resolved. There is too much talk, and not enough action.


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As a follow up to the original World's Easiest Game, I've removed all the enemies from the newer version.
Now you can breeze right through all the worlds.
UDID registration at UDID.in lets you activate the iOS 8 beta. It works great!
Copyright © 2017, Mabuhay Net. All rights reserved.Website Designed by Neil Pomerleau.


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Cast Iron Grill Burner for Ironworks and Fire Magic Grill Models Cast Iron Grill Burner for… vancouver
- Publish Date: 05-26-17
Grill Parts Gallery is an online grill parts Store in Canada and USA where you can find the BBQ Replacement parts, Grill Parts for Ironworks and Fire Magic grill. All BBQ gas grills Repair Parts in Lowest Price & Fast Delivery. This Ironworks and Fire…Read more


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Facing a June 30 deadline, Dixon Unified leaders on Tuesday got a clearer picture of the district's pending 2014-15 budget during a governing board meeting at City Hall.
Chief business officer Cecile Nunley told trustees the financial document that will guide the low-income, rural district in the coming year tops $27.4 million, with deficit spending of $1.1 million, and an ending balance of $1.3 million.
At the same time, she told board members that the 3,400-student district faces an unappropriated fund balance, or shortfall, of nearly $438,000, or 1.6 percent of the overall budget, when classes resume in mid-August.
In her 30-minute presentation, Nunley, who is leaving the district in the coming weeks to take a job with Vallejo City Unified, first reminded the four trustees (Joe DiPaola was absent) that the district faces steadily declining enrollment in the coming years, with projections of 3,300 students in 2015; 3,200 in 2016; and 3,150 in 2017, requiring a corresponding reduction in expenses.
Additionally, she noted the Dixon Unified will enroll nearly 2,000 children, or nearly 60 percent of all students, designated as low-income under federal guidelines that qualify them for free or reduced-cost meals while at school.
Salaries and benefits for teachers and school-support, or classified, employees account for the bulk of expenditures, at $22.3 million.
The budget includes some "assumptions," Nunley noted, among them a 2 percent raise for teachers and classified employees and benefits that are expected to increase 10 percent in future years.
Of Gov. Jerry Brown's desire to have voters in November approve a "rainy day fund" measure, she noted the California School Boards Association, a statewide group representing elected officials in more than 1,000 districts, may oppose it because it will require districts to adhere to a strict 3 percent and no more of their budgets held in reserve. Some districts currently choose to hold more in reserve.
In written comments, Nunley, noting the state budget passed on Sunday, said, "But, given the fact that there is no continuing appropriation for LCFF (Local Control Funding Formula) funding and the fact that a 3 percent reserve only covers about 10 days of payroll, additional reserves to cover variances in state funding from year to year are highly recommended."
Nunley also said that a California State Teachers Retirement System proposal requires a modest increase in employee and employer rates, with employers paying as much as 9.5 percent annually in the next several years.
In summary remarks, she said that while the district's financial fortunes, like those of other California school districts, have improved recently, trustees need to be cautious about the budget.
Saying state budgets tend to be volatile, Nunley added, "There will be a downturn in the future."
The budget's final draft likely will be approved at the board's June 26 meeting, along with the final draft of the Local Control Accountability Plan, and forwarded to the County Office of Education by month's end.


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ED Magedson – Founder
Ripoff Report
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This report was posted on Ripoff Report on 07/04/2008 01:58 PM and is a permanent record located here: http://www.ripoffreport.com/reports/global-cash-authority/miami-florida-33102-5600/global-cash-authority-they-send-me-a-letter-saying-that-i-have-a-prize-of-264322124-m-347542. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Kayseria winter collection 2013-2014 has just been launched which they have exclusively made for you to become more fashionable and stylish in the winter season. Kayseria is Pakistan's leading fashion brand by Safm Pvt Ltd. Kayseria is known for stylish and modern dresses for women which they are providing since many years. Kayseria is also a sister concern of Bareeze which was founded in 1985 and considered one of the TOP fashion label that provides women's fashion clothing every season. Their other famous labels are Minnie Minors, Leisure Club, Home Expressions, Chinyere & Kayseria and all labels are too much famous and women loves to buy dresses from them.
In this latest collection by Kayseria, they have offered beautiful dresses on silk, velvet and chiffon which are very much suitable for you in the winter season as these dresses are very comfortable and relaxing as well and will also keep you warm enough to enjoy the season. The collection consisting on three piece dresses that includes very stylish shirts with trousers and tights along with dupatta. There is also a combination of dyed shalwar as well which looks awesome. So enjoy the season with Kayseria and make your self more beautiful as you always do. This collection will give you everything that you need to have in the winters and these dresses will also remain in your wardrobe for a long time as all dresses are very beautiful and embellished as well which you can also wear in parties and functions. These dresses are also perfect for working women as it has everything related to glamour and modern fashion trends. They also made this collection so much colorful and all dresses are very much decent in color which looks stunning.
So be in the top of fashion and never get out, in order to be a super beautiful, you need to wear the most trendy dresses that everyone likes to have. So here is the Kayseria Winter collection 2013-14 which I am sure you will buy at your earliest. Visit your nearby Kayseria Outlet and get one for you. Have a look on the dress collection bellow:


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FTSE 100 goes down
On Friday, British stocks dropped, feeling the pinch from the sterling's soar and tracking losses in American markets, as the FTSE 100 headed for its worst trading week for 10 months.
The FTSE 100 sagged 1.2%, being worth 6,706.68, with only a handful of stocks moving up. The index found itself on track for a fifth straight daily loss.
The move arose after American stocks closed lower on Thursday, because the S&P 500SPX lost 0.44%, thus marketing its eight dip in a row and matching its longest losing streak since October 2008. As for European shares, they were also heading south, pushing the Stoxx Europe 600 SXXP down 0.6%.
Worries as for the outcome of the White House race have been unsettling financial markets, as surveys demonstrate the gap narrowing between Republican nominee Donald Trump as well as his Democratic opponent Hillary Clinton.
A great number of blue-chip shares have been deriving benefits from the drop in the sterling, as foreign earnings for multinational companies are boosted when converted into the British pound.


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Lynne McDonough
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Calculated birth dates
Please do not send me calculated birth dates, especially for very old tombstones. Calenders changed during that time and conversion programs are very unreliable.
Added by
on Jul 17, 2015 6:18 AM
Ann Jensen
Sylvia V West
You left a message for me regarding the headstone. I do not know who did it. Perhaps the sexton at the cemetery might have that information. Ann Jensen
Added by
Ann Jensen
on Sep 02, 2014 2:31 PM
Hi Lynne,
Welcome to the site.
I would be willing to transfer George et al to you; but I would like to see you become a bit more active first. I've had the misfortune in the past to transfer memorials to new members, who got tired of the site and left the memorials as 'orphans' which then became very difficult to update further.
I did a bit of research on George and family and made some additions. Please let me know what else you would like me to add at this time. I would be very happy to transfer in the future if you remain on the site and are an active contributor.
I believe you live in Hollidaysburg? Lots of Blair County cemeteries still needing to be photo-documented - hope you are planning on making that a goal. I look very forward to working with you!
Zella :)
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However, the best reason to invest in a decent keyboard or mouse is the good of your health. Ten years ago, as a senior staffer on a prominent UK PC magazine, I took all talk of ergonomics with a pinch of salt. I'd spend my days writing and editing reviews and more than a few evenings playing Half-Life, Thief and StarCraft, and I certainly wasn't suffering from any pain.
These days I feel differently. Once you've felt the gnawing ache of RSI in your wrists, you never forget it. In fact, you can't forget it for the simple reason that it never really 100 per cent goes away - it's always lurking in the background, ready to make your working life a misery all over again. Since I was affected, I've talked to dozens of other PC users - journalists, 3D modellers, artists, programmers, gamers and designers - who have all suffered to some degree. Most of us would agree that while certain behavioural changes or remedies can help, we'd all much rather we'd been more sensible in the first place.
According to research commissioned by Microsoft, RSI cases have gone up by 30 per cent in the last year, and while the report puts this partly down to the increase in mobile work on notebooks and smartphones, it's not helped by poor equipment and ergonomic conditions in the average office. That's bad news, but we know that a lot of you will go home from a hard day at the office and, at some point in the evening, switch on your PC at home. This only adds to your risks, particularly if you're a hardcore gamer, a World of Warcraft addict or heavy Internet user. Still, there are preventative measures you can take, and not all of them involve spending cash.
Some things just come down to common sense. As ROSPA, the Royal Society for Prevention of Accidents notes, RSI results from performing repetitive movements over a long period of time, but if you can't (or don't want to) organise your time so that you're not using your PC for extended periods, there are ways that you can limit the risks.
First, organise your workspace. Get your monitor, keyboard and mouse directly in front of where you sit so that you don't have to twist and your hands fall naturally on your peripherals - or at least as naturally as possible. If you've got an adjustable chair - and it will help - get it at a comfortable height in relation to the desk, as having your arms angled upwards can aggravate the various musculoskeletal conditions that we know collectively as RSI.
Set your monitor at a comfortably height (there's no need to add neck-ache to your miseries) and try and sit upright rather than slump back in your chair. Your arms should be hanging loosely at the sides, the elbows level with or slightly higher than the keyboard, and the wrists straight and neutral.
Now look at how you position your mouse and keyboard. A lot of us make the mistake of having the keyboard square in front of us and the mouse on a mouse-mat some distance to the left or the right, but the closer to the keyboard the mouse is, the more comfortable you'll be during periods of extended use. Your arm is constantly working at an angle, and that puts pressure on the bones and tendons of the wrist and elbow.
It also pays to vary the positioning depending on what you're doing. Sure, if you're typing emails or writing your epic fantasy novel, then it makes sense to have the keyboard directly in front of you, as that's what you'll be using most of the time. However, if you're spending more time clicking on web links then move the mouse into a more central position so that the upper half of your mouse arm sits as straight as possible.
The same goes if you're gaming. If you're right-handed, move the keyboard a little to the left so that the WASD keys (if you're playing an FPS) or the function and number keys (if you're playing an RTS or MMO) are close at hand with your left arm straight. Make sure the mouse sits directly under where your right hand should naturally fall.
Finally, it's worth bearing in mind that things like wrist supports for the mouse and keyboard aren't really designed to support your wrists while you're typing or moving the mouse, but to give them somewhere to rest when you're not. In fact, using them while you work can, some suggest, apply additional pressure to the muscle area and aggravate any risk of RSI.


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The project deals with the development of a graphic engine and a framework for game development in C++! In this context a test game, based on the engine, should be developed too. The devoloped programs should run on Linux and Windows because they both su
User Reviews
Be the first to post a review of 3D Game Engine!


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Healthy Vietnamese and Thai cuisine serving the coastal communities of Corona Del Mar, Newport Beach & Laguna Beach
International wine list - Elegant presentation - Excellent service
Best Vietnamese and Thai cuisine in Orange County
Highest customer satisfaction for excellent cuisine and decor
wine list
private dining
about us
bamboo news
Casual Elegance Dining at Bamboo Bistro
The ambiance is elegant, yet simple and serene where guests can experience the cozy atmosphere of dining with friends or business lunch meetings. Proprietor Chau Haller's contemporary Vietnamese cuisine is based on healthy principles of using only the freshest ingredients that are delicious and are also good for you. A licensed dietician by training, Chau's recipes reflect the harmonious Yin & Yang of culinary delight in the flavorful dishes she personally created with quality ingredients and refined texture for a healthy meal.
Bamboo Bistro also offers an impressive international wine selection that complements any occasion. We look forward to welcoming you to Bamboo Bistro!
2600 East Pacific Coast Highway (PCH), #160
Corona Del Mar, CA 92625
(949) 720-1289
Copyright © 2010 Bamboo Bistro. All rights reserved. |
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345 Tranquille Rd, Kamloops, BC, V2B 3G4
We exceed at offering an alternative to the common retail environment with our NO interest layaway; jewelry cleaning; Computer support and repair; disc polishing & a different retail experience with experts in client relations that specialize in everything from DVD's to high end Jewelry. Presenting a structured environment, that focuses on building a core foundation of loyal clients and staff, while building new and continuing relationships crucial to uphold a positive and interesting atmosphere. While at Big Don's Super Pawn you can take advantage of our many services! Because of our highly skilled staff we have the opportunity to provide you with an extensive list of available services. Alot of these services are not typical to your traditional pawn shop experience. Here is the list of services that Big Don's Super Pawn offers: - Collateral Based Loans - Interest Free Lawaway Plans - Disc Polishing Service ($1.99) - Jewelery Cleaning Service (As low as $7.50) - Computer Repair Service(From $40.00/Hour) - Website Hosting Service(COMING SOON!) - Electronics Repair
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|For only $5.00 you get 100 quality used stamps from Germany. The pack contains 100 different Germany stamps that were issued in the early 1900's until present. Total inventory at this time is 3 different packs. Mail Order Part Number is SMA91.
|Stamp Product order number ID: SMA91
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Occasionally, in your site's main menu, you may need to display a link to a different site within www.umassd.edu or to an external URL. Link sections let you do this. For example, the Registrar's site uses a link section to link to COIN.
Internal link sections link your site to other sites within umassd.edu (sites internal to T4/UMass Dartmouth).
You must already have moderator access to the "linked to" site. Otherwise, please contact firstname.lastname@example.com for assistance.
External link sections link your site to sites outside umassd.edu (URLs external to T4/UMass Dartmouth) and are rarely needed.
WARNING: Do not use external link sections for internal T4/UMass Dartmouth links—this could result in broken links if the web address should subsequently change.
Add a link section
To add an internal or external link section, follow the steps below.
1. Navigate to the place on the SITE STRUCTURE where you want to add a link section (the parent).
2. Use the site structure floating menu (found by mousing over the yellow arrow to the right of your site structure). Select ADD SECTION.
3. The ADD SECTION screen opens. Be sure you're on the GENERAL tab.
4. Name the section. This will be part of the site menu. Be sure to check the Make This A Link Section box.
5. Select the DETAILS tab then select the appropriate Link Type:
- For an internal link section, select Section.
- For an external link section, select External URL.
6. While still on the DETAILS tab, specify either the Link Section or the Link URL:
- For an internal link section, go to Link Section and choose the Select link, which will open up the site structure in a separate window. Select the correct part of the UMass Dartmouth site for the link.
- For an external link section, go to Link URL and enter the URL.
7. Select ADD to save your link section.


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Can you predict when you'll be clapping and when you'll be clicking
if you start this rhythm? How about when a friend begins a new
rhythm at the same time?
Explore the different tunes you can make with these five gourds.
What are the similarities and differences between the two tunes you
are given?
Ben from Victoria College, Jersey sent this
solution to the first part of the problem:
That's a very clear way of describing it, Ben,
thank you.
For the second part of the problem, some of
you may have worked out that a rhythm will sound the same forwards
as backwards only if you arrange the drums symmetrically. There are
only two ways of placing 3 drums symmetrically on 6 points:
Finally with 5 drums, there is only one rhythm
that you can make, as moving the drums around just creates the same
sequence with only one empty space. However this arrangement is
symmetrical so it does sound the same forwards as backwards:


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Unable to firm up its stand on the Telagana issue, the UPA government appears to be slipping on its one-month deadline that ends on January 28.
Congress general secretary and union health minister Ghulam Nabi Azad indicated this after a meeting with party president Sonia Gandhi and other senior leaders.
"It is a complicated issue. I don't think one month (deadline) should be taken so literally. When one says tomorrow, it does not mean tomorrow morning. When one says a week, sometimes it is two weeks," said Azad.The indications sugget that the Congress might buy more time to resolve the issue.
After an all-party meeting on December 28, Union home minister Sushilkumar Shinde had stated that the Centre would take a decision on the Telangana issue within a month.
But Azad declined to set any deadline. "The Congress high command is making serious efforts so as to resolve the issue as early as possible… We are determined to find a solution," he said.
Azad said the Congress leadership has been too busy with its three-day Jaipur conclave and did not much time to deliberate on the issue.
Hectic consultations have been going on the issue over the past few days. Two separate delegations from Telangana and Seemandhra met PM Manmohan Singh and other central leaders, articulating their views on the issue.
Another delegation of five ministers and 18 MLAs from Telangana region met Shinde separately on Tuesday and told him that nothing short of a separate state would be acceptable to them.
However, no delegation got any assurance from the Congress leadership.