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Kevin Drum, has taken it on himself to list the FEMA failures in Hurrican Katrina.
He writes...
"Among our conservative friends, there still appears to be a considerable amount of denial over the question of whether (and how) FEMA failed in the aftermath of Hurricane Katrina. In fact, many Bush administration apologists seem not to even understand FEMA's role, suggesting that the bulk of the failures belong at the state and local levels."
Well, this is quite a statement. Yet aside from the MSM and pundits insistance, the fact is that the bulk of the screw ups DID occur at the local level and the State level on a scale hitherto unheard of anywhere in this Country's history. That is simply without dispute.
Yet that doesn't mean I think that FEMA did "perfect work", but it was a hell of a lot better than than people are being told.
Here is a another one. I submit, and I think on good grounds, that if the Mayor of New Orleans and the Governor of Louisianna were Republican, and the President a Democrat, Brown would have been given a medal.
But I digress for now. Before I start, I'm a conservative with a working knowledge of FEMA, Emergency Management and I've lived in Florida for fourty-years. Again, I am not going to entirely let them "off the hook", but if we are going to keep score, the City and State are running away wiht the game at this point.
Moving along.... For now I'm going to only address the one's I know are outright wrong, or should be corrected. Therefore, I'm just lumping some of the one's I can address all together.
(KD)"The agency dispatched only 7 of its 28 urban search and rescue teams to the area before the storm hit and sent no workers at all into New Orleans until after the hurricane passed on Monday, Aug. 29."
This is true but misleading. New Orleans wasn't the only "target' on the board. Let's not forget Mississippi and Alabama (just in case you haven't heard they got it worse) were also affected, in fact Biloxi is no more.
(KD) "Rather than initiate relief efforts — buses, food, troops, diesel fuel, rescue boats — the agency waited for specific requests from state and local officials."
Well, that's what the State Plan calls for. The reason you have a disaster plan is just in case you have a disaster you follow the plan. Why is that so damn hard for liberals and the MSM to figure out? The Governor was so confused and incompetent she thought "Send everything" covered it. It doesn't work that way and she knows it.
Also, that help was not there at the Dome isn't true. As this story tells us of FEMA teams INSIDE the Dome "Hesch -- one of 35 people in a self-contained, federally funded team from New Mexico -- arrived in New Orleans at 3 a.m. Aug. 30 with 20 tons of supplies. Without a wink of sleep, the group set up treatment tents in the Louisiana Superdome, which was packed with tens of thousands of refugees".
Amazing that despite being contacted by this emergency agency as well as others involved, many MSM news outlets have refused to report it. Why? Simply because it blows the "no one was there" story out of the water.
(KD) "Hundreds of firefighters, who responded to a nationwide call for help in the disaster, were held by the federal agency in Atlanta for days of training on community relations and sexual harassment before being sent on to the devastated area."
Hey, blame those years of liberal PC rantings that produced 'emotional legislation'. Those classes are the standard classes Clinton signed off on "During those wonderful FEMA years of Whitt"! Had to attend a bunch of them myself. Actually, I believe it's a HIPAA requirement - again, Clinton era.
(KD) "FEMA would not let the trucks unload," Mr. Vines said in an interview. "The drivers were stuck for several days on the side of the road about 10 miles from Camp Beauregard. FEMA said we had to have a 'tasker number.' What in the world is a tasker number? I have no idea. It's just paperwork, and it's ridiculous."
What about those Red Cross and Salvation Army relief workers (in mass) but denied access to sick, hungry and dying individuals by State of Louisianna officials?
Again, a story the MSM will not report even though the Red Cross and Salvation Army have verified it.
(KD)"Despite pre-positioning of some manpower and supplies, FEMA had failed to provide sufficient emergency aircraft, boats and vehicles to get residents out of New Orleans and to deliver enough food, water and medical supplies to those who were stranded."
And the Buses? The Trains? Wouldn't have needed FEMA IF the Mayor had followed that "pesky plan"?
(KD)"On the day the levees failed, the FEMA chief issued a news release urging fire and emergency services departments outside the area 'not to respond' to calls for help from counties and states affected by the hurricane 'without being requested and lawfully dispatched by state and local authorities under mutual aid agreements.'"
(Sorry, Standard Operating Proceedure even in Florida. You can thank litigation for this one, after Andrew agencies throughout South Florida got sued left and right for their response "out of jurisdiction", thus the creation of "mutual aide".)
(KD) "Last Thursday, as the Red Cross began distributing its own debit cards, thousands stood for hours in the 93 (degree) heat outside the Astrodome in Houston for FEMA cards that never came."
Actually, thank the MSM that "Jumped the Shark" and reported the story before they should have, causing a "stampeed" for cards "Oh, so you lived in New Orleans too?"
A little bit of responsibility and restraint would have been nice. Or just using their freaking heads for something beside a "headset holder".
I'll update with a few more of Kevin's point later on as I check them out. Again, tis was a disaster, but putting the weight of the blame on the Federal Government, is simply ignorance of the role that FEMA actually plays and let's an criminally incompetent political apparatus in Louisiana off the hook. Ain't gonna happen.
More comments and links and a hat tip for the story to Tom Mcguire.
Filed under Katrina disaster relief new orleans emergency response FEMA
Kevin Drum - Drums on with FEMA's FailuresPosted by Jack Moss


text:
Winfield Post Office
218 E 10th Ave, Winfield, KS 67156
Phone: 620-221-2390
Toll-Free: 1-800-Ask-USPS® (275-8777)
Monday-Friday 8:30am - 4:00pm
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Monday-Friday 8:00am - 4:30pm
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Saturday-Sunday Closed
- Visit our Passport FAQ page for a complete overview of what to bring, what you need to know, and how long it will take.
- You will need two forms of Identification with copies.
- A passport quality photo if no available photo hours listed.
- The appropriate application form printed and filled out, and the required fee for applying or renewing.
- You can find up to date costs, information, and forms at the State Departments Travel Site
*An appointment is required to apply for or renew US Passports. Please Call.
Monday-Friday 8:30am - 3:00pm
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subset: commoncrawl


text:
The Legna Angle
They call us devils. But the angels misunderstand us. We do not create evil, nor do we nurture it. We are merely mixed up creatures, hunted for our unfortunate tendency to prematurely end innocent peoples' lives.
Are there times when you need to make the two 'L's with your hands to remember which way is Left? Perhaps you mix up the word 'angle' with 'angel', or forget the different meanings of 'affect' and 'effect'. And is 'wierd' spelled right? You might miss a step on the stairs or jolt awake in your bed... these are the moments when us Legna are with you.
We aren't evil or mean. Let me compare you to a fish. We are the sharks you sense coming for you, but can't see through the blue haze. Only we're not bigger and we don't have sharp teeth. In fact we don't even have bodies, so it's difficult to give you the proper imagery. You can sense us, but you don't know what we are, and you explain it away with your science and your logic. No one's watching you after you've finished putting Disturbia back in its DVD case. You're just paranoid, but you'll run up those dark stairs a little faster and shut the door a little sooner than you would if say, the last song you heard was the background music in the credits of Maid of Honour.
We don't make you fall down the stairs, or fall off a building. We don't fire the gun or inject the morphine cocktail into your veins. We're fun, I swear. We only want to have fun, and trust me, it's no fun if you go and lie down under an 18-wheeler. Then we have to go and find another human to have fun with. And, to be completely honest... I sort of like you.
Oh! I forgot to mention. My name is Ecila. My two best friends are Rotciv and Drawde. We're all a little mixed up, but that never stopped us from having fun. Would you like to have fun with us?
After all, everything us Legna do is a riot!


text:
A little green haven: we have a garden in the city
Powell River has a mild climate and is a gorgeous area brimming with wonderful outdoor activities.
If you like to hike, kayak, bike, snowshoe, scuba dive, rock climb, or more, you would love it here!
It's about 160 km north of Vancouver on the Sunshine Coast, and a short ferry ride across to Vancouver Island.
To organize a home exchange, you need to be a member


text:
>Gears and Wears>Lacing Methods
I've got a fever...
On your deathbed, you won't wish that you'd spent more time at the office. But you will wish that you'd spent more time running. Because if you had, you wouldn't be on your deathbed.
Needs more cowbell!
• Chemo
• Chemo-Radiation
• Surgery


text:
Data sharing as it exists today between retailer and supplier is not enough. The industry is changing at a rapid pace. Everyone is competing.
By Greg Munves, 1010data
Oracle announced that it has taken another step toward helping companies handle peak online volumes of traffic and transactions with the news that its ATG Web Commerce platform has improved performance by 300% on Oracle Exalogic and the Oracle Exadata database machine when compared with systems similar in size and configuration.
When a customer spends more than five seconds waiting for a transaction to process,...


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20 associates tell the story of how Gucci Mane rose, fell, and rose again.
Jeezy releases Me Ok video in preparation for Seen It All album.
Atlanta's Kap G details a drug-deal gone wrong in his latest clip.
Here's one last leak before Testimony drops tomorrow: a Drumma Boy-produced lamentation called "FML," which features a guest verse from Pusha T.
Tonight Jeezy shared "Foul Play," a new song off his It's Tha World Vol. 2 tape; then he took to twitter to call out his label for foul play.


text:
University Human Resources
Excellence Training Certification for Support Staff (ETC) 2016 – 2017
located on the Bloomington campus!
University Human Resources - Organizational Development will begin the thirtieth year of the ETC Program in September 2016.
What is ETC?
ETC is an 8-month training program designed especially for you, the Support Staff of Indiana University. It is beneficial for new and veteran employees who wish to improve performance and to develop themselves personally and professionally. Organizational Development considers it a compliment to the program that employers from a variety of departments often request to know if a job candidate has completed ETC. ETC is an excellent opportunity to network with other Support Staff from the University who share common challenges. Your combined experiences provide a wealth of information for one another.
What topics are covered in the ETC Program?
There are approximately two Tuesday morning seminars each month. These seminars cover a variety of topics critical to the role of the Support Staff at Indiana University. Topics include:
- Assertiveness and self-esteem
- Managing multiple priorities
- Career planning & professional preparation
- Demonstrating professionalism, rapport building
- Effective communication skills
- Accountability and taking initiative
- Managing stress, conflict, and change
- Delivering great customer service
How do I get an application for the ETC Program?
The application form that is available here. Call or email Wendy Cornwell () at 812-855-9674 with any questions.
Note to ETC graduates:
Please recommend the program to your co-workers! You can promote the program most effectively because you have had the experience and can share with others the value of ETC.
Thank You!


text:
Harmony: Sylvester, you got a friend
After Xavior left, I decided to change, no way was I going to be in my pajamas all day. I wore a pair of dark blue jeans and a plain, purple v-neck, simple and presentable. I wonder how Sylvester is....he looked pretty pale last time I saw him. Maybe I should go check on him......
I walked out into the hallway, heading toward Sylvester's room.
"Hey Harmony"
"Oh, hey Aria, do you know where Sylvester is, I wanted to make sure he was ok, he looked pretty pale last time I saw him"
"Yeah, he wasn't too well. Thought a blood made him a little on the sick side."
I nodded "K, I think I'm gonna go talk to him"
"See you later?"
"Sure, wanna have some girl time? My room for a sleep over?"
She smiled "Sure"
"Cool, be sure to invite the other girls"
"Will do"
Aria walked downstairs and I knocked on Sylvester's door. "Sylvester? It's Harmony. I wanted to talk to you...." I opened the door
"What about?" he seemed a little wary
I closed the door behind me "It's about the whole turning thing"
I saw him go a little pale
"I don't like it either, the whole idea of....." I cringed "I've always lived on donated blood, y'know the kind from the bag, I could never...." I cringed again "Just so you know, you not alone on this. I hate it just as much as you, I was a little sick if I'm honest" I smiled sheepishly
"Me too"
I smiled warmly "Just so you know, I'll be hiding out in the attic while the whole things going on, having a shut it party, if you want, your more than welcome"


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Reader Mail: The iPad as Gridlocked Sportscar
Like salmon swimming upstream to spawn, a handful of you MarketBeat readers bravely fight our ridiculously oversensitive comment filters to leave comments on our posts.
Most of you diligently devise new ways to call me an idiot (hi, Mom!), but many of you find other ways of being insightful and humorous, too.
To show our appreciation for your efforts, we're going to start highlighting some of your comments in a new feature we're calling Reader Mail (TM pending). These are meant to inspire more conversation, and they are not endorsements, although we we will consider endorsement in exchange for bribes.
Today's comment comes from "anon," whose comment in our Pulitzer-eligible post, "Amazon's Bundle of New Kindles: Early Analyst Reactions," highlights one of the risks the new Kindle Fire poses to the more-expensive iPad:


text:
18,000 Postholes
5000 Pits
Hundreds Of Four and Six post structures.
An Iron Age Site
Lots of imported plants over 40 types of weed
Wattle and daub panels
Granaries raised of the floor - keeps away the rats - allows circulation of the air.
Building roundhouses required experimentation with the sloped roof, the fire location and if a smoke hole is neccescary.
Site experiments with crop growing and animal husbandry.
Four posters might have been raised granaries. To test this idea several full scale models were built at buster ancient farm.


text:
BSkyB yesterday underlined its financial strength with a 28 per cent surge in profits, but the pay-TV giant is facing growing pressure on subscriber numbers because of the economy and internet rivals.
Sky added just 40,000 new TV subscribers in the three months to December against 140,000 a year earlier.
Customers signing up for broadband, home phone and high-definition TV were all lower too. Sky sold a net 772,000 products to new and existing subscribers against 1.06 million.
Revenues rose 6 per cent in the last six months to £3.36bn because of a price freeze in August.
But pre-tax profits jumped to £597m, thanks to improved margins.
However, in a sign of how Sky may fear online rivals such as Netflix and LoveFilm, the chief executive, Jeremy Darroch, announced a new, cut-price internet-only TV service.
Viewers will now be able to watch Sky's movies and TV shows online or via a games console on a pay-per-programme or monthly basis, instead of signing up as subscribers.
Sky has not unveiled prices, but Netflix costs £5.99 a month.
- More about:
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©Sharla Fults Designs
Please see "More Info" box below for the card sentiments
Set of 20 (2 of each design)
1. Front: At Easter
Inside: Wishing you all of Easter's joys and blessings.
2. Front: There's so much to be thankful for in Spring...blue skies, flowers blooming...
Inside: ...and YOU! Happy Easter
Scripture: I will see you again and you will rejoice, and no one will take away your joy. JOHN 16:22
3. Front: May your Easter be blessed with the happiness...
Inside: ...that comes from knowing how very much you are loved.
Scripture: Praise be to the Lord, for he showed his wonderful love to me... PSALM 31:21
4. Front: His compassions never fail. They are new every morning. LAMENTATIONS 3:22-23
Inside: Rejoicing with you in the wonders of Easter.
5. Front: "I am the resurrection and the life. He who believes in me will live." JOHN 11:25
Inside: May this wondrous day renew your spirit. Happy Easter
Scripture: "But I will see you again and you will rejoice" JOHN 16:22
6. Front: Since God so loved us, we ought to love one another. 1 JOHN 4:1
Inside: Have a Blessed Easter.
Rest of sentiments are shown in the "More Info" box below.
1) Front: Alleluia And let the beauty of the Lord our God be upon us... PSALM 90:17
Inside: In the promise of Easter may you find hope. In the beauty of spring may you find joy. Happy Easter
2) Front: Rejoice ...let the hearts of those who seek the Lord rejoice. PSALM 105:3
Inside: Wishing you all of Easter's joys and blessings.
3) Front: Happy Easter ...the whole earth is full of his glory. ISIAH 6:3
Inside: Wishing you the joy and peace of God's love.
4) Front: Easter Joy Be joyful always; pray continually... 1 THESSALONIANS 5:16
Inside: Wishing you a wonderful Easter and a wonderful spring!
King James Version
©Susan Winget
Inside sentiment: Thinking of springtime, good times, sunshine...and you!
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Balloon design stickers add festive touches of fun wherever you use themon cards, gifts, and even paper tablecloths. Many feature birthday and party
sayings such as "Birthday Wishes," "Party Time," and "Have Fun!" Largest is about 1-1/2" x 2"; printed in USA.
Set includes 20 sheets of solid pastel colors plus flower and polka-dot designs. 20" x 20" each.
Set of 20 sheets
©FDV Studio
Self Stick 1-1/2" seals match your cards! 1-4 designs per set. Set of 24.
1. Red-orange daisy
Front: With Sincere Sympathy
Inside: May you remember the love and happy times - and find comfort in these memories.
2. Bright purple lilac
Front: You're in our Thoughts and in our Prayers
Inside: Sharing your sorrow at the loss of someone so dear.
3. Dark purple hydrangea
Front: With Sympathy and warm remembrance
Inside: Hoping it helps to know that others share your sorrow.
4. Orange poppies
Front: Thinking of you at this time of sorrow
Inside: ...and hoping that time will bring comfort and peace to your heart.
Set of 8 (2 of each design)
©Gail Flores
1) Front: Happy Birthday
Inside: Wishing you a day of beautiful memories.
2) Front: Happy Birthday!
Inside: …to someone who brightens every day of the year!
3) Front: Happy Day!
Inside: A wish for all things beautiful. Happy Birthday
4) Front: A birthday is the beginning...
Inside: …of another great year! Happy Birthday
On this very special day
Inside: You share so many wonderful memories-may the coming years bring even more.
Wishing you...
Inside: ...much happiness to you both as you celebrate your lives together. Happy Anniversary
Happy Anniversary
Inside: Wishing a wonderful couple a very special day.
To a wonderful couple
Inside: Hoping you celebrate your day in a very special way. Happy Anniversary
Specify up to 18 characters
Sold separately, metal flag stand presses easily into the ground; 15" x 40"H.
Happy birthday on cake
Inside: Now the fun begins! May it last all year.
Candles on cupcake
Inside: Make a wish and have a happy day! Happy Birthday
Single candle
Inside: Hope every moment is something to celebrate! Happy Birthday
Happy birthday on gifts
Inside: Treat yourself to a wonderful day. Happy Birthday
WARNING: Choking Hazard – small parts. Not for Children under 3 years.


text:
5705 Bob White Avenue, Kalamazoo MI, 49009
Sold Price:
4 beds , 4 Full/1 Half baths
4,130 sqft
Status: Closed
Last Updated: 5/24/2017 10:33 AM
Description for 5705 Bob White Avenue Kalamazoo, MI 49009
Stately brick home on a manicured .68 acre lot in Colony Pointe West. Wooded backyard privacy on tiered deck with gazebo. Over 5300 finished square feet including daylight lower level. Two story entry; dual staircase; formal living and dining with hardwood floors; fantastic remodeled kitchen with white cabinets, center island, stainless steel appliances, butlers pantry, open to great room with fireplace. Main floor master suite; main floor laundry; granite half bath. Three large family bedrooms, 2 full baths upstairs. Lower level has a family room with fireplace, rec room with wet bar,full bath. Top of the line Home Warranty included.
Sold Price:
Sold Date:06/26/2015
Texas Twp
4 Full/1 Half
4,130 (approx)
Listing Information
Texas Twp
Softener Own
Public Sewer
School Information
Room Information
Family Room, Recreation Room
Interior Features
Oven Built-in, Cook Top Range, Dishwasher, Microwave, Refrigerator
Central Air, Ceiling Fan(s)
Gas Heat, Forced Air
Basement, Daylight, Full
2, Gas logs
Security System
Home Warranty Plan, Wood Floors
Exterior / Lot Features
Attached Garage, 3 Car Garage
Deck, Screened Porch
In Ground Sprinklers
Gazebo, Wooded, Acreage
Driving Directions
Q ave to 10th, S to Bluejay, E to Morning Dove, Left on Bobwhite
Financial Considerations
Listing Price History
Kalamazoo Real Estate
Kalamazoo is located in Michigan. Kalamazoo, Michigan 49009 has a population of 76,041.
The median household income in Kalamazoo, Michigan 49009 is $32,959. The median household income for the surrounding county is $46,356 compared to the national median of $53,482. The median age of people living in Kalamazoo 49009 is 25.7 years.
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text:
Midnight LoversMature
The ground was moist beneath my paws as I made my way through and around the trees. I'd been doing this for weeks already and had gotten good at being discreet. Nearly a month had passed and I wouldn't call myself a pro but I was pretty damn good at what I was doing. Sneaking around at night wasn't something I liked but for him I'd do worse.
I knew what I was doing was forbidden but could I help the way I felt. He wasn't part of us; he was from a different pack. From a pack with enemies of mine. But I loved him.
Our fathers would kill us if they knew what was going on between us. Well, I knew my father would kill him then kill me.
It was law. No fraternizing with the enemy. If you defied this law the punishment was death, even if I was the king's daughter. Practically a princess. I'd have to die.
I couldn't help but think about this constantly. It worried me.
Which is why we don't get caught, a familiar voice said in my head.
Blaine. The king's first son. And my secret lover.
Better be your only lover.
I smiled as best I could in my form. Blaine and I were shifters, able to shift our being from human to animal. We didn't choose this; it was passed on through the lines.
Blaine and I both had the privilege of being jaguars, which ran in our families. Probably why our fathers feuded.
Is everything alright? He asked at my hesitation.
I shook myself. Yeah, fine.
Then let's go.
I knew where we were going.
He'd taken me to his mothers old home numerous times and I knew the drill. When we got to the forest line, we shifted.
The change wasn't painful anymore. I remembered when I had first shifted. The pain was…unpleasant. Feeling the bones rearrange and the flesh change to fur was all a bit unsettling.
But now it was different. My body shifted easily now. It was something that came with the power, my father had told me before. Only the higher ups, the powerful shifted without problems. Others changes was more painful. I'd heard the screams before and knew it to be true.
Blaine finished the shift first and dashed across the street.
When I was done I waited for him to enter the house and give me the okay.
At the signal I crossed the street quickly, my bare feet hitting the asphalt in low wet claps.
I never really understood why my shoes didn't come back with my clothes though they always were in my closet when I returned home. My jeans and white T came back but not my sneakers. It was probably due to the fact the clothes were made from other shifters while the sneakers were not.
I hadn't gotten fully in the house before I was pulled into a tight embrace.
"I've missed you," he whispered into my ear.
"It's only been two days," I said, though couldn't hold back my smile.
"Two days are like two eternities. Coz missed you."
My smile widened at the name he'd given his shift. Coz. He'd named his because unlike me, he and is shift were completely different. Two different minds. Only sometimes was Blaine able to control what Coz did, and Coz liked to act out. A lot. Most shifts were like that, uncontrollable.
"I missed you, too." I could almost see Coz in his eyes. Sitting on the outskirts, yearning for freedom.
"No more trips, okay?"
I nodded though he and I both knew I couldn't promise that.
Before I could tell him so his mouth met mine with fiery passion.
He pressed me against the wall and after that there was no more talking, only moans and laughter.
He'd gotten my shirt off and I was now in just a black bra and jeans. I worked to get his shirt off while trying not to break apart from him. It was difficult but when I was away from him it felt…wrong. More wrong than the fact we were together.
A bang on the door made us stop.
We broke apart from each other quickly. No one ever came here; no one else knew this place except Blaine and his father.
"Who's that?" Blaine asked me, worried.
"I don't know, not like I invited someone. Where you followed?"
We both knew that answer. No, he was never followed.
The door banged again though this time from wood hitting wall.
No one ever followed Blaine. But Blaine's father wasn't no one. He was skilled.
I smelt him before I actually saw him. Soon he'd be rounding the corner and catching the daughter of his enemy in a bra and his first son shirtless.
I took my shirt that had been carelessly flung over a lamp and fled to a back room.
"Where is she?!" Shouted James.
"I don't know what you're talking about." I heard Blaine mumble.
"So you expect me to believe you came here alone and just decided to get naked? No, Blaine. I'm not stupid."
I knew it wouldn't be long before he found me and I couldn't let that happen. I searched for my escape but before I could find it the door to my hideaway was flung open.
I stared into eyes that bored into mine with such hatred. His hand clamped around my arm with great force and I couldn't help the small whimper that escaped my lips.
"Stop! You're hurting her!" Blaine shouted, though never made a move toward me.
"Why, Blaine? Here of all places?!" His father asked, shaking me towards him. "Your mother's home? Really? Is this slut really worth it?"
Blaine clenched his fist at the mention of me being a slut. "Do not call her that. She is not a disgrace."
"She might as well be. The daughter of Luke, really, Blaine? You know the law. You could be killed for this. Should be killed for this."
Could? Should? Did this mean he wouldn't? Don't get me wrong, Blaine's safety was number one on my list, but I was a little confused as to why his father would make the exception.
I tried to pull my arm free only to have his grip tighten. I winced as the pain shot throughout my arm.
"Let her go," Blaine said stepping closer to his father. "She has nothing to do with this."
"Come any closer and I will kill her myself," he whispered fiercely.
Blaine stopped dead in his tracks, shock written across his face. He knew his father would follow through on his threat.
"She has as much to do with this as you do. You'll be lucky if she dies quickly."
In a matter of seconds Blaine's face changed from shock to anger to sadness then to nothing. He had completely shut down, knowing nothing he could say would help.
"Please, father, I'm begging."
James laughed a hard laugh. "Do not beg, son. It's not becoming. We'll deal with this when we get home."
Two shifters entered the room and I wondered when they'd gotten here. They took both of my arms and tried to lead me to front of the house but Blaine intervened.
"Blaine, step out the way or-"
"Or what? You're already taking away my reason for breathing, what else can you do to me?"
The shifters clutching my arms looked back at James a little concerned. He, on the other hand, looked like he wanted to hit something.
"Blaine, you can make this easy or-" His fist connecting with my side was the or.
I gasped and doubled over in pain though the shifters grips kept me from falling to my knees.
Blaine's gasp was nearly as pain filled as mine.
"Do you understand?" His father asked.
I vaguely heard Blaine hiss out a yes.
"Take her." James smirked, proud of himself. "I'd like to see her father beg before I kill her."


text:
Help others choose the best products...Write a review
|incl. VAT
|£13.20 £11.90
|excl. VAT
Fully functional color excavator with rotating cab and floating loading shovel.
Can be used as reflected. Weight 50 kg.
Packaged in a box.
Length 65 cm.
3 years
Toy meets the European Parliament and Council Directive 2009/48/EC of 18 June 2009 on the safety of toys and all legal norms according to Czech legislation. Of course there is a declaration of conformity.
Specifications can be changed without notice. Images are for illustrative purposes only. Retail Price (MSRP) means the manufacturer's/supplier's suggested retail price.
Link to Manufacturer's Website: Enter link to the external review


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NCI Dictionary of Cancer Terms
The NCI Dictionary of Cancer Terms features 8,084 terms related to cancer and medicine.
- PSA velocity
- listen (… veh-LAH-sih-tee)
- A measurement of how fast PSA levels in the blood increase over time. A high PSA velocity may be a sign of prostate cancer and may help find fast-growing prostate cancers.


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As a culture we are screwed...
//"I've got a question for you," said Collins. "Driving down the road, speed limit says 55, I'm doing 65. Have I broke the law?"
"You would have to ask the Highway Patrol," Lynch answered, as the chamber erupted in snickers. "He would likely write you a ticket," she added helpfully.
The dumbfounded Collins exclaimed, "I went to a small law school. We were taught the law!" He noted that he wasn't so sure about Harvard (Lynch's alma mater) though.
He repeated his question, "Did you break the law or not — 65 in a 55? My dad was a state trooper..."
"As I said before, you would get a ticket for that," Lynch answered.
"So you broke the law!" Collins exclaimed.
"You would be cited for that," Lynch offered. "That would be considered an offense."
We seem to have entered a moment in American jurisprudence where the law is a completely subjective concept, to be upheld based on mitigating circumstances like the importance of the lawbreaker, the color of his skin, and perhaps his political party.// This is another example of the toxic corruption of the Clintons. The need to excuse their crimes results in sane people denying reality to absolve them.


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Marines' Duty Ch. 1Mature
Stationed in Ramadi, Iraq, Corporal Micahart was enjoying his life as a soldier . He got paid, was fed, and sometimes he got to shoot people. But when a fellow squad looses a man the war becomes personal. It's now up to Micahart and his squad to track down the terrorists and bring them to justice. Unfortunately for them the terrorists have other ideas in mind and it will take every piece of training they know to survive.
"War's a bitch, Wear a helmet." – Sergeant Daniel Walsh
In this city, we learned to love the mud and sand plastered to our bodies. We wake up to the blazing sun that constantly burns our skin to rough leather, as our body temperatures rest comfortably at one hundred n' two. We waver on the edge of heat exhaustion. Our stomachs heave and our shits come spastically. We are filthy inside and out and the local collection of bacteria doesn't help with the bouts of dysentery. With what constitutes a toilet here would make any civilian cry. Did I forget to mention, we get blown up, shot at, and crammed into places not fit for human occupation.
Welcome to life as a grunt. It's our job; it's rough, hard, it sucks, but most of all it's the best job in the world. CNN may make us infamous, but the truth is civvies don't know shit. We do this job for three reasons. First is we're protecting Jody and Sue's freedoms back home. The second is because we know that if we can live through the worst of times, we'll thrive in the best of times. Lastly, we are America's warriors, the special 911 service that is called when the country needs us. We are Marines, we don't need ties or business suits, just our M16A4's, our 40 mike-mike's (M203 40mm grenade launcher), and the enemy's backyard as our playground.
2200 hrs, March 18, 2012
Combat Outpost (COP): Hotel
Ramadi, Iraq (66 miles west of Bagdad)
The cold night air stung against my face as I hurried through the dirt streets of the military base. I grumbled, desert camies were barely keeping me warm in the frigid desert night. My destination, my squads dull tan tent on the other side of the base, where a warm rack was ready to welcome me.
"Corporal!" I froze, knowing that the voice didn't bode well. "Corporal!" The man yelled again. I spun on my heels and snapped to attention.
"Yes, Master Gunnery Sgt." I replied looking past the imposing man and into the distance. He strutted up to me with his false air of authority. He towered over me, his hazel eyes burning into me as If I might disappear before him.
"What the hell are you doing out?" He questioned harshly. Shit, if he finds out I'm dead! I didn't dare to breathe as I replied.
"I was helping PFC Manitoba, sir. He wanted help at the Chow hall, sir." The Sergeant Major's steely eyes looked me up and down, suspicious. We both knew I was lying through my teeth but after tonight, it wouldn't matter. With a dismissive wave, the man let me go.
"Get to your rack and don't let me catch you out after watch. Might as well NJP your ass the next time!" He said gruffly, turning away. Without any courtesy he skulked away into the entrails of the base. I stood for a moment glaring at the back of his head.
"Thank you Master Gunnery Sgt. Dick!" I snarled under my breath, hurrying to my tent. The funny thing about the Sergeant Major was his last name, which was Richard, Dick just became a nickname. Though he made a habit of living up to the often humorous moniker.
When I finally reached the tent most of the squad was asleep, PFC Lakes was snoring in his rack. Corporal Thane fidgeted, he was the only one awake. As usual he was ingrained in some novel that he had ordered from the states. I quietly walked over to him and looked down at the book.
"What-cha reading this time Thane?" I asked inquisitively. Thane's glassy green eyes met mine. He must have been up reading the entire night.
"About Mobsters from the twenty's and thirty's." He said slightly surprised. "Where have you been Micahart?" I kicked a tuft of sand that made up the floor and grinned sheepishly. He's not going to believe this.
"Up at eagle point, with Staff Sergeant Luttrel. " Thane's eyes widened, he instantly shut his book and directed all attention to me.
"The sniper's perch? You spent a night with Luttrel's squad?" He blabbed. I put my hand over his mouth and looked around the large tent. My squad mates still lie sleeping and snoring. Last thing I needed was for unwanted ears to hear Thane's gawking.
"Half a night," I corrected. "Staff Sergeant asked if I wanted to join for a bit of target practice." I grinned as I saw Thanes jaw drop, I honestly thought his eyes couldn't get any bigger.
" d'you shoot someone?" he asked, hanging on my every word. I turned and walked over to my rack. "Micahart?" he pleaded. Releasing a breath, I laid on my rack, my body ached from all the day's work.
"No," I lied. I could see the anticipation on Thane's face replaced with disappointment. Reluctantly, he picked up his book and gave me one last glance. Almost hoping one begging look would change my mind. I shook my head and he returned to his book, grumbling under his breath.
"Liar," a voice next to me whispered. It was my squad leader, Sergeant Walsh. I smiled slightly, propping my hands behind my head creating a makeshift pillow.
"If I told him the truth,Master Gunnery Sgt. would find out. He thinks I was helping with chow. Old dog almost NJP'd me tonight just for walking back here." Walsh rolled his eyes and laid back down on his cot. A long silence returned to the air, only broken again by Walsh.
"How many?" he asked in an emotionless tone. I thought back to the firefight. Bullets zinging past my head and the smell of cordite in the air. The bark of rifles mixed with the sharp staccato of sniper fire, shouts for ammo ringing loud. I shook the all too fresh memory from my head.
"Enough to keep everyone here safe." I replied and rolled onto my side, pulling a thin blanket over me.
"Uh-Huh, need to talk about it?" Walsh asked. I gave him a glance, and looked back to the top of the tent. Sometimes you could find all the answers staring up at the top of the tent. This time I felt content.
"I'll be fine." I shut my eyes and laid there, sleep overcoming my tired body.


text:
NEW YORK ISLANDERS Men's Cleric Distressed Short-Sleeve Tee
Style# 1323471
$19.99 $10.00
Style# 1323471
$19.99 $10.00
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Represent your team in pride with the Cleric Distressed Short-Sleeve Tee. Made with comfortable 100% cotton construction and a classic crew neck for ultimate comfort, this tee also features New York Islander team graphics screen printed front and center.
- 100% cotton
- Distressed style
- Short sleeves
- Graphics on front
- Officially licensed
- Imported
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Miscellaneous Attributes
- Country of Origin: Imported
- Fan Gear: Islanders
- Gender: Men's


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GM's New Chevy Head to Spend Time Developing Models
General Motors Co. (GM)'s new worldwide Chevrolet brand chief, Alan Batey, said he will spend more time on product development to help establish the brand globally.
"There will be changes in the way we look at product and the way we look at our global programs," Batey said today in a telephone interview.
Batey was named senior vice president of global Chevrolet on June 25, a new position. The move is part of Chief Executive Officer Dan Akerson's strategy to build Chevrolet and Cadillac into GM's worldwide volume and luxury brands as the company competes against Toyota (7203) Motor Corp. and Volkswagen AG.
In the previous 11 months, Batey had been interim global chief marketing officer in addition to being GM's U.S. sales chief, a job he's essentially keeping. In his marketing role, he oversaw the creation of a new global advertising tagline, Find New Roads, and worked to implement a consolidation of advertising and media buying.
The automaker is trying to increase Chevrolet appeal to international markets.
Sixty-three percent of Chevy sales were outside of the U.S. last year up from 27 percent a decade earlier, Batey has said. The brand's top five markets now include China and Russia replacing Canada and Venezuela from a decade ago, according to GM. Yet with all of the growth, Chevy isn't among Interbrand's top 100 global brands while competitors, including Toyota and VW (VOW), are.
"We've grown so fast over the last decade that the brand is very, very young in a lot of these markets," Batey said. "It has an awareness opportunity."
GM rose 0.6 percent to $33.31 at the close in New York. The shares have climbed 16 percent this year, compared with a 13 percent rise for the Standard & Poor's 500 Index.
To contact the reporter on this story: Tim Higgins in Southfield, Michigan at email@example.com
To contact the editor responsible for this story: Jamie Butters at email@example.com


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Super 8 Alton
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Will someone just get grandma on Facebook?
... reluctant. But when am I going to get to do is again? It was totally worth it. Our awesome leader Josephine took us on our tour. We put on jumpsuits, stowed all extra belongings in a locker, put on our safety belts, headsets, and everything was clipped on. We linked onto the static line and started the journey. The groups are small and you get to know your party because it's only 12 people. A young couple from Melbourne was in front of me and we chatted like ...
An Arch and a Stadium
... showing construction from conception to completion, hard to believe they didn't lose any men in the building given it was built in an age that didn't know about harnesses and safety. It was quite confronting watching the way those guys jumped so agilely from beam to beam with no "net".
Hard to beat that but time to move on cos we've got more to see... we jumped back on the ...
St. Louis Zoo
... is open till 5pm. This zoo has been voted the best zoo in the USA and another plus is it is free.
We get to the zoo around 2 and head in to get a map and a plan to see as much as possible. This zoo offers a lot of exhibits but is also a fairly compact zoo and we feel ...
A Day About Lincoln
We spent the night at Springfield, Illinois so that I could tour the Lincoln Home and it was so worth it. This was the only home Abraham and Mary Todd ever owned and they lived there for 17 years. They paid $1,500.00 for the original home and added on to it for another $1,500.00. They bought the home in 1844 and it had many original pieces still in it. Like ...
Lansing, MI to St Louis, MO
... I picked up my kick-stand and had a foot long gum web. That sucker was fresh. I think it was double-mint. I got proof, it's coming home with me. Back to today, We can now say we've been to Kalamazoo and back. I love that name. Dad has done a great job navigating his ducklings these couple thousand miles thru rain, construction, heat, cold, stand-still traffic, idiot drivers and little old blue-haired ladies. Our funny for today: when we got to ...


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Is this an American restaurant?
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Can a gluten free person get a good meal at this restaurant?
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Thanks for helping!
I met a friend here as it was halfway for each of us and easy to find. The service was good and the coffee up to par. It filled up with happy patrons while we were there.
Eclectic business with a consistently good cup of coffee. We go as much for the people watching as the beverages, as the clientele included an interesting, rough edges Taos counter-culture.
This is it, you found it! The authentic Taos coffee and pastry shop - real local folks serving the best coffees, pastries, and local flavor you could ask for. Drop in, say hi, enjoy your favorite drink expertly prepared with zero pretension!
We were looking for a breakfast spot open early and on the way to the Ski Valley and spotted this little hole in the wall!
We are avid coffee drinkers and everyone was pleasantly surprised how amazing the Coffee was! I went as far to say, might be the best cup of coffee ever!
Breakfast tacos: Includes 3 tacos on...
We arrived in Taos too early to check in and so we decided to try this place out.
LOVE! This is a quirky and surprising spot. From the pay it forward mentality to the absolutely top notch customer service - this place is a hidden gem.
I noticed a box for free books, a basket of freebies and a fantastic...
Let me just say that I was going to try every coffee shop I could in Taos. This one was my second. And I didn't try another. Why should I? This was just the best! And the young lady who worked there on the Mon, Tues and Wed I was in there was just so friendly and nice. She remembered...
Tried all over Taos to find just a place to sit and have coffee and breakfast...nadda!!! Then, drove a few miles up the road and BINGO!!! GEM!!! This is a great, organic, whole food place to eat GOOD FOOD and drink GOOD COFFEE!!! OH MY! This place is the best and I'm SO GLAD that we found it! Good, healthy...
I'd been out of the area for about a year, so I didn't know how things would be at the Coffee Spot when I went back. I'm happy to report that the Coffee Spot's still got it.
Breakfast is served all day and the breakfast burrito is delicious with potatoe3s, eggs, salsa, cheese, and the choice of red or green...
Staff all very friendly. Comfortable places to sit, drink coffee and work. Coffee was tasty & hand held burrito was huge.
We all three had the breakfast burrito $7 on menu. Waited about 20 mins for burritos when that came out we seen what took so long these burritos weighed about 2lbs apiece! While we waited we people watched which was great for me this place is like a local people hangout. It had a painting station in the corner which...
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BeschreibungKum-Ji thought that she was willing to do anything to get closer to her favorite boy band, DDL, even if it meant she had to join a fan club of their new rival group, Yo-i. But it's getting harder and harder to deal with E-Soh of Yo-i, the only one who knows abot her little secret. And now, E-Soh drops a bomb on her. He tells her . . . that he . . . likes her? What?!
PortraitJiSang Shin and Geo are the creative team behind a number of popular manhwa titles, including Very! Very! Sweet, Chocolat, Rolling, and Sad Love Story.
Untertitel: 'Chocolat (Yen)'. Empfohlen von 14 bis 17 Jahren. Sprache: Englisch.
Verlag: YEN PR
Erscheinungsdatum: April 2006
Seitenanzahl: 200 Seiten
Format: kartoniert


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Extension Boilerplate
Build cross browser extensions for Chrome, Firefox & Opera
@neerajt4 Thanks for hunting! I have extracted this boilerplate from the browser extensions that I've been building for my side project, Email This. The Chrome Extension that is built using this boilerplate can be seen here - https://chrome.google.com/websto.... Currently, this supports Chrome, Firefox and Opera. I am working on adding support for Safari. … See more
Neeraj Thakur
@neerajt4 · Marketer | www.neerajt.com
Asad Dhamani
@asaddhamani · Founder, Crestify
This is awesome! If it truly does what it says on the tin, I've just found a solution to one annoying problem. I've developed extensions for Chrome, Opera, and Firefox. Chrome and Opera the same codebase works just fine. With Firefox, you need to rewrite it and you usually don't get access to APIs that are as painless to work with. Thanks for making this @bh… See more
Syed Irfaq R. ⚡
@irazasyed · Founder & CEO, Lukonet
Great job. Looks fantastic! Safari and Edge support would be good.
Hussein shtia
@hussein_shtia · CEO Xcopy Inc
very good tools thanks for share


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We support the latest versions of these browsers:
If you have any problems while attempting to download a browser, you should contact your organization's system administrator.
For any questions related to Cvent, feel free to contact our Customer Care team.
Sol Nessebar Mare is a part of Melia International hotels is ideally located in the city of Nesebar in Bulgaria.
It has 295 rooms for the visitors to relax and enjoy. It also has got 4 meeting rooms for meetings and conferences.
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Our new paper on U.S. Defense Budgets, military conflicts engagements and their impact on defense industry equity valuations is now available on SSRN: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2975368.
Friday, May 26, 2017
26/5/17: Defense Stocks Valuations: U.S. Budgets and Military Conflicts Engagements
Our new paper on U.S. Defense Budgets, military conflicts engagements and their impact on defense industry equity valuations is now available on SSRN: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2975368.
Wednesday, May 24, 2017
23/5/17: U.S. Mint Gold Coins Sales 1Q 2017
Updating, with a lag, my data for U.S. Mint sales of gold coins, here is 1Q 2017 in its full glory.
Total sales of U.S. Mint gold coins stood at 221,500 oz in 1Q 2017, down from 363,000 oz in 4Q 2016 and down on 305,500 oz in 1Q 2016. However, 1Q 2017 sales were better than 1Q sales in both 2014 and 2015.
Total number of coins sold by the U.S. Mint stood at 438,000 in 1Q 2017, down on 647,500 in 1Q 2016. In terms of number of coins sold, 1Q 2017 was the slowest of all 1Q periods since 1Q 2012.
Average weight per coin sold was 0.5057 oz/coin, stronger than in 1Q 2016 (0.4718 oz/coin) and stronger than 1Q average coin weight for 2014 and 2015.
Monthly data, plotted alongside historical and period averages shows that more recent months (especially April) posted weak sales performance.
Meanwhile, a look at quarterly aggregates indicates that while 1Q was weaker than 4Q 2016, it is still in line with the generally upward trend that has been present (with some serious volatility) since the end of 2013.
Both, the monthly series and the quarterly aggregates indicate relatively stable and strong negative correlations between the price of gold and the demand for U.S. Mint coinage over the last 6 months within the range of -0.62 and -0.84.
Posted by Constantin Gurdgiev at 4:45 AM
Labels: American Buffalo, American Eagle, Gold, gold coins, U.S. Mint, US Mint
23/5/17: Eurocoin: Growth Momentum Slips Marginally in April
A quick update to the old-running series: Eurocoin, the leading economic growth indicator for the euro area, published by CEPR and Banca d'Italia posted another (second in a row) moderation, falling from 0.7 in March 2017 to 0.67 in April. The indicator remains at the upper range of growth for the current upside cycle, and within lower range of growth compared to previous upside cycle:
On the drivers side, stock markets valuations helped to push growth forecast higher, while a slowdown in industrial activity pushed growth expectations lower. In other words, absent the financial assets impact, growth indicator would be much lower.
While euro area overall HICP was at 1.9% in April (bang at the upper range of ECB's target), 12mo trailing average inflation rose to 0.8% from 0.7% in March. Which means the ECB has moved out of the 'policy corner' and is now positioned to start unwinding assets purchasing programs. It will proceed gradually and at a later date, due to political, not monetary reasons.
Meanwhile, although Eurocoin averaged 0.72 in 1Q 2017, actual growth came in at (first estimate) 0.5%. This marks the largest gap between Eurocoin and actual growth since 2Q 2014. This is hardly surprising. In general, the gap between leading indicator-implied growth forecast and actual growth outrun is usually wider during periods of elevated uncertainty about the economy, and especially when financial economy takes over as a major contributor to overall economic growth outlook.
Posted by Constantin Gurdgiev at 3:56 AM
Labels: Economic growth, economics, Euro area growth, Eurocoin, Eurozone
Tuesday, May 23, 2017
22/5/17: Eurogroup and Greece: Wrestling Defeat from the Claws of Victory
Today's Eurogroup meeting on Greece ended in no agreement and extends the current tranche negotiations into June 15, the date of the next Eurogroup meeting.
For the background:
- Greece is an economy brought to its knees by the Eurogroup and the ESM, as detailed in a range of facts well-summed up here: http://blogs.lse.ac.uk/eurocrisispress/2017/05/01/greece-any-better-times-or-more-pitfalls-ahead/; and
- Greece is now back in a recession, with dire consequences for both, the economy and the Greek society, and for fiscal targets and programs previously agreed by the Eurogroup: http://trueeconomics.blogspot.com/2017/05/18717-greece-in-recession-again.html.
The key sticking point so far is the scheduling of future primary surpluses (budgetary surplus before the debt servicing costs are factored in). The Eurogroup insists on these surpluses running at 3.5% of Greek GDP for the first 5 years following 2018, declining to 2% or 2.2% (depending on the version of the draft agreement) for 2023-2060.
In very simple terms, such commitments are absolutely bogus (and dangerous). They are bogus because there is absolutely no way anyone can project growth rates out to 2060 from today that can be in any way reasonably accurate to predict primary surpluses. They are dangerous, because they will shackle Greek governments to running buffer funds to compensate for possible recessionary and non-cyclical shocks to the primary surpluses. These buffers will imply underinvestment within the Greek economy (public investment) over the long term. Which, of course, will damage the Greek economy and increase the risk of non-compliance with the deficit rules.
Here is how unrealistic the current proposed targets are. Consider, first, IMF projections (April 2017 data) for primary surpluses over the next 5 years (2018-2022). Remember, Greek target (grey line) is 3.5% for that period:
With exception of Italy, no other advanced euro area economy comes even close to the proposed target. And no one is making a case that Italy running these surpluses is somehow consistent with structurally strong growth expectations over the period.
Now, consider past and present performance, based on 10 years windows. For 10 years window, Greek target surplus is 2.85% per annum:
The view is a bit brighter.
In the 1990s, two countries managed to run surpluses at or above the target set for Greece forward: Belgium and Ireland. Both countries were recovering from substantial fiscal crises of the late 1980s-early 1990s. But, unlike Greece today, both countries benefited from exogenous shocks that boosted significantly their surpluses and growth: Belgium gained substantial income transfers from growth of the EU institutions, and Ireland gained from a large scale FDI boom. Neither country needed to run large scale public investment programmes financed from own (internally-generated) funds.
In the 2000s, Belgium continued to run large surpluses and it was joined in this by Finland. Belgium surpluses drivers remained the same, while Finland carried out substantial fiscal consolidation in the wake of the early 1990s crisis timed perfectly to coincide with rapid economic growth in the economy.
In simple terms, no advanced euro area economy has managed to run surpluses expected of Greece at the times of adverse economic growth conditions or immediately after a major recession.
As I noted in the earlier post on the Greek economy (see http://trueeconomics.blogspot.com/2017/05/18717-greece-in-recession-again.html), the state of Greek economy has been so highly uncertain over the last few years, that any projections 3-4 years out from today are simply an example of a delirious wish-for-thinking. In this environment, setting targets out to 2060 is absurd, and dangerous, for it commits Greece to targets that may or may not be to the benefit of the Greek economy and sets up the euro area fiscal policy architecture for a failure at the altar of extreme conviction in technocratic targeting.
Posted by Constantin Gurdgiev at 2:37 AM
Labels: Euro crisis, Eurogroup, Greece, Greek crisis, Greek debt
Monday, May 22, 2017
22/5/17: The Economist Calling a Bubble in Cryptos? Why not...
A very interesting chart from The Economist from last week providing evidence on rapid evolution of cryptocurrencies:
In basic terms, the value of cryptocurrencies market has risen to over USD60 billion, tripling within less than 6 months of 2017, while trading across cryptocurrencies markets has increased tenfold to ca USD 2 billion per day (average) and 38 initial coin offers have been launched in 2017 so far.
What is also notable is that Ripple is now on par with Ethereum and their combined valuation is now a challenger to Bitcoin.
Uncharacteristically for The Economist, the publication that never sees a bubble until it pops is calling a bubble in the cryptos. Perhaps due to a freshly acquired consciousness of empiricism or due to the publication's innate distaste for anything not-state-centric. Still, given the exponential growth so far this year, cryptos are overdue a major correction. When and how will it be triggered is anyone's guess.
Posted by Constantin Gurdgiev at 5:50 PM
22/5/17: U.S. Autoloans Market: Careless Lending, Defaulting Buyers
Auto loans are now coming through as a growing concerns area in terms of U.S. household credit. Auto loans originations have risen, in total volume from $123.9 billion in 1Q 2016 to $132.4 billion in 1Q 2017, an all-time high for 1Q period on record. Total volume of auto loans debt outstanding is at $1,167 billion, up on $1,071 billion in 1Q 2016 and at an all-time record. Year on year growth in auto loans is at 9%.
However, origination has been more subdued in 1Q 2017 for subprime loans, with issuance for credit score below 620 falling to $25.9 billion in 1Q 2017 compared to $26.9 billion a year ago. Likewise, near-sub-prime originations (credit scores 620-659) also declined, from $16.1 billion in 1Q 2016 to $15.6 billion in 1Q 2017.
However, owing to rapid growth in recent years in sub-prime originations, auto loans currently exhibit third highest rate of delinquencies across all forms of household debt, with 3.82 percent of all auto loans currently 90+ days delinquent, the highest since 1Q 2013 and up on 1Q 2016 reading of 3.52 percent.
As noted in a recent Bloomberg article (see https://www.bloomberg.com/news/articles/2017-05-22/subprime-auto-giant-checked-income-on-just-8-of-loans-in-abs), much of the problem arises from sloppy, or outright careless, origination by some key lenders.
Posted by Constantin Gurdgiev at 5:30 PM
22/5/17: U.S. Public Pensions System: Insolvent to the Core
A truly worrying view of the U.S. public sector pensions deficits has been revealed in a new study by Joshua D. Raugh for Hoover Institution. Titled "Hidden Debt, Hidden Deficits" (see http://www.hoover.org/sites/default/files/research/docs/rauh_debtdeficits_36pp_final_digital_v2revised4-11.pdf) the study opens up with a dire warning we all have been aware of for some years now (emphasis is mine): "Most state and local governments in the United States offer retirement benefits to their employees in the form of guaranteed pensions. To fund these promises, the governments contribute taxpayer money to public systems. Even under states' own disclosures and optimistic assumptions about future investment returns, assets in the pension systems will be insufficient to pay for the pensions of current public employees and retirees. Taxpayer resources will eventually have to make up the difference."
Some details: "most public pension systems across the United States still calculate both their pension costs and liabilities under the assumption that their contributed assets will achieve returns of 7.5–8 percent per year. This practice obscures the true extent of public sector liabilities." In other words, public pension funds produce outright lies when it comes to the investment returns they promise to generate. This, in turn, generates delayed liabilities that are carried into the future, when realised returns come in at some 3-4 percent per annum, instead of promised 7.5-8 percent.
How big is the hole? "In aggregate, the 564 state and local systems in the United States covered in this study reported $1.191 trillion in unfunded pension liabilities (net pension liabilities) under GASB 67 in FY 2014. This reflects total pension liabilities of $4.798 trillion and total pension assets (or fiduciary net position) of $3.607 trillion." This accounts for roughly 97% of all public pension funds in the U.S. Taking into the account the pension funds' penchant for manipulating (in their favor) the discount rates, the unfunded public sector pensions liabilities rise to $4.738 trillion.
"What is in fact going on is that the governments are borrowing from workers and promising to repay that debt when they retire. The accounting standards allow the bulk of this debt to go unreported due to the assumption of high rates of return."
Actually, what is really going on is that the governments create a binding contract with their employees to loot - at some point in the future - the general taxation funds to cover the shortfalls on these contracts. How much looting is on the pensions liabilities? Take the unfunded liability estimate of $4.738 trillion. And consider that in 2014, total revenues collected by state and local governments stood at $1.487 trillion. Pensions deficits alone amount to 3.2 times the underwriters' income. In household comparative terms, this is like having a full 100% mortgage on a second home, while still running a full 100% mortgage on primary residence (day-to-day expenses).
Or, put more cogently, the entire system is insolvent. And is getting more insolvent, the longer the local and state governments refuse to use more honest accounting models.
Couple of charts to illustrate
CHART 2: State Contributions: Actual vs Required to Prevent Rise in Unfunded Liability
Now, observe in the above: the distance between the green triangle (required contributions) and the blue dot (actual contributions) is the gap in public pensions funding that has to be extracted to make the contracts whole. This will either have to come from tax hikes or from increased contributions from the public sector workers or from cut in future benefits to these workers. Or from all three.
In a range of the states, e.g. California, New Jersey, Illinois, etc we are already facing draconian levels of taxation, and falling real incomes of private sector workers. In a range of other states, municipal and local taxes are high, while the cost of living increases are swallowing income growth. In other words, there is not a snowball's chance in hell these gaps can be funded from general taxation in the future.
When all ameliorating assumptions are made (to the upside for public pensions schemes), Raugh concludes that "despite markets that performed well during 2009–2014, state and local government pension systems are still underwater by $3.4 trillion. With relatively poor performance in fiscal years 2015 and the first part of 2016, this figure is likely to be even larger today. Finally, the report reveals the extent to which state and local governments are in fact not running balanced budgets. While they contribute 7.3 percent of their own-generated revenue to pensions, the true annual ex ante, accrual-basis cost of keeping pension liabilities from rising is 17.5 percent of state and local budgets. Even contributions of this magnitude would not begin to pay down the trillions of dollars of unfunded legacy liabilities."
Yes, the entire system of public pensions is insolvent. No surprise there. And there is not enough fiscal space to recover from that insolvency without cutting benefits, raising taxes and hiking employee contributions. No surprise there either. Finally, although Raugh does not say so himself, it is pretty clear that there is zero will on either side of the Washington's political divide to do anything tangible to address the problem.
Note: you can read a series of previous posts covering various sides of household debt in the following threads: Total Household Debt http://trueeconomics.blogspot.com/2017/05/19517-us-household-debt-things-are-much.html; U.S. Social Security Insolvency http://trueeconomics.blogspot.com/2017/05/19517-reminder-social-security-is-only.html, and Student Loans Explosion http://trueeconomics.blogspot.com/2017/05/21517-student-loans-debt-bubble-is.html).
21/5/17: Student Loans Debt: The Bubble is Still Inflating
Having covered the latest news on the U.S. household debt continued explosion (see http://trueeconomics.blogspot.com/2017/05/19517-us-household-debt-things-are-much.html) and the ongoing deepening of the long term insolvency within the U.S. Social Security system (here: http://trueeconomics.blogspot.com/2017/05/19517-reminder-social-security-is-only.html), let's take a look at the second largest source of household debt (after mortgages): Student Loans.
According to the data from the New York Federal Reserve, 1Q 2017 total volume of student loans outstanding in the U.S. was USD1.344 trillion, up on USD 1.310 trillion in 4Q 2016, marking the highest level of Student Loans debt in history. However, the Fed methodology does not include some of the more predatory types of loans extended to students. This means that other sources report student debt at the end of 2016 to be between USD 1.44 trillion and USD 1.5 trillion (see for example https://studentloanhero.com/student-loan-debt-statistics/).
Setting aside the issues relating to data reporting, even by the official U.S. Fed standards, student loans debt is almost double the U.S. households' credit cards debt, and is more than 10 percent higher than combined credit cards and HE revolving debt volumes.
Crucially, default rates on Student Loans are currently higher (at 11%) than for any other form of debt (credit cards defaults, second highest, are at around 7.45%).
With an average debt load of over USD36,000 per student, the expected Fed rates hikes through 2017 alone are likely to take some USD 270.00 per annum from household budgets already under severe strain from low income growth, and sky high and rising rents.
Meanwhile, the U.S. bankruptcy code now excludes Student Loans from protection, courtesy of 2005 Congressional decision, presided over by Joe Biden. Of course, Biden's political machine was supported by one of largest student loans underwriter, the MBNA. President Obama promised to undo Biden's changes to the bankruptcy code, but in the end did absolutely nothing to keep his promise and, in fact, made matters worse (https://www.bloomberg.com/news/articles/2015-10-14/obama-administration-hits-back-at-student-debtors-seeking-relief). Subsequently, during his Presidential election campaign, Donald Trump said "That's probably one of the only things the government shouldn't make money off -- I think it's terrible that one of the only profit centers we have is student loans." Since election, however, the Trump Administration is yet to do anything on the issue.
In simple terms, American students have no friends in high places… but legislators like Joe Biden can roam free across campuses and events extolling own ethical virtues… for a fee... often paid for by students' tuitions.
Posted by Constantin Gurdgiev at 4:04 AM
Friday, May 19, 2017
19/5/17: A Reminder: Social Security is Only Getting More Insolvent...
On foot of my earlier post on U.S. household debt, it is worth mentioning another, much-overlooked in the media, fact concerning U.S. real economic debt crisis. This fact is a staggering one, even though it has been published a year ago, back in April 2016.
Based on the 2016 OASDI Trustees Report, officially called "The 2016 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds" (see link here: https://www.ssa.gov/oact/TR/2016/index.html).
- U.S. Social Security's total income will exceed total cost of Social Security payouts through 2019. However, beyond 2019, interest income and money taken out of reserves will have to cover the funds required to offset Social Security's annual deficits until 2034.
- Assuming the U.S. Presidential Administrations and the Congress continue business as usual approach to Social Security, the federal government payroll taxes will only be able to cover roughly 75% of scheduled retirement benefits until 2090
- As the result, the Social Security Administration now projects that unfunded obligations will reach USD 11.4 trillion by 2090 or some $700 billion higher than the USD 10.7 trillion shortfall projected a year ago
- Worse: on an "infinite horizon" basis (netting Social Security expected future liabilities from forecast revenues) Social Security will face a USD 32.1 trillion in unfunded liabilities by 2090, or staggering USD 6.3 trillion more than 2015 projection
Chart below plots forecast Social Security unfunded liabilities corresponding to each forecast year:
The above clearly shows that the Social Security 'stabilisation' achieved in 2014-2015 is now not only erased, but is set back to what appears to be a rapid acceleration in liabilities back to 2008-2014 trend.
Yes, Social Security is a system in which people pay in taxes for an 'allegedly' ringfenced program that is supposed to supplement retirement. No, Social Security is not a program that is actually contractually ringfenced to provide anything whatsoever to those who pay into it. Which, really, means that the default on Social Security is looming large for the millennials and subsequent generations. And this raises the issue of what will happen to pensions provision across the entire U.S. Currently, even public sector pensions (across states and municipalities) are facing severe uncertainty and, in an increasing number of cases, actual cuts. Which raises public reliance on Social Security just at the time that the Social Security system is facing higher threats of insolvency.
Meanwhile, household debt situation is getting from bad to awful (see this post: http://trueeconomics.blogspot.com/2017/05/19517-us-household-debt-things-are-much.html).
The status quo is a prescription for a social, economic and political disaster. No medals for guessing what the Congress is doing about it all.
19/5/17: U.S. Household Debt: Things are Much Worse Than Headlines Suggest
Those of you who follow this blog know that I am a severe/extreme contrarian when it comes to median investor perceptions of the severity of leverage risks. That is to say, mildly, that I do not like extremely high levels of debt exposures at the macroeconomic level (aggregate real economic debt, which includes non-financial corporations debt, household debt and government debt), at the financial system levels (banking debt), at the microeconomic (firm) level, and at the level of individual investors own exposure to leverage.
With this in mind, let me bring to you the latest fact about debt, the fact that rings multiple bells for me. According to the data from the U.S. Federal Reserve, household debt in the U.S. has, as of the end of 1Q 2017, exceeded pre-2008 peak levels and hit an all-time high by the end of March.
Let's crunch some numbers.
- Total Household Debt in the U.S. stood at USD 12.725 trillion at the end of 1Q 2017, up on USD 12.576 trillion in 4Q 2016. Previous record, reached in 3Q 2008 was USD 12.675, while the pre-Global Financial Crisis average was USD 10.112 trillion.
- During pre-crisis period, Mortgage Debt peaked at USD 9.294 trillion in 3Q 2008. In 1Q 2017 this figure remained below this peak levels at USD 8.627 trillion. As flimsy as house price valuations can be, this means that there is no 'hard' asset underlying the new debt peak. If anything, the new overall household debt mountain is written against something far less tangible than real estate.
- Student loans are up on previous peak (4Q 2016 at USD 1.310 trillion) at USD 1.344 trillion, as consistent with continued growth in the student loans crisis in the U.S.
Chart below illustrates the trends for total household debt:
Another key trend in household debt relates to debt defaults and risks. Here too 1Q 2017 data is far from encouraging. Pre-Global Financial Crisis average delinquencies (120 days or more overdue loans and Severely Derogatory delinquencies) average 2.07 percent of total debt outstanding. In 1Q 2017, some 29 quarters of deleveraging later, the comparable percentage is 3.0 percent. This is bad. Worse, take together, all household debt that was in delinquency in 1Q 2017 was 4.8 percent, which is still above 4.56 percent average for pre-2008 period.
While overall delinquencies are not quite at problematic levels, yet, we must keep in mind the underlying conditions in which these delinquencies are taking place. Prior to the onset of the Global Financial Crisis, interest rates environment was much less benign than it is today toward higher levels of debt exposures: debt origination costs (direct cash costs) and debt servicing costs (income charge from debt) were both higher back in the days of the pre-2008 boom. Today, both of these costs are lower. Which should have led to lower delinquencies. The fact that delinquencies still run above pre-2008 levels implies that we are witnessing poorer underlying household fundamentals against which the debt is written.
Sadly, you won;t read this view of the current debt and debt burden issues from the mainstream media and analysts.
Posted by Constantin Gurdgiev at 6:52 PM
Labels: household debt, real economic debt, US debt, US economic debt
Thursday, May 18, 2017
18/7/17: Greece in Recession. Again.
Per recent data release, Greece is now back in an official recession, with 1Q 2017 growth coming in at -0.1%, following 4Q 2016 contraction of 1.2%. Worse, on seasonally-adjusted basis, Greek economy tanked 0.5% in 1Q 2017. The news shaved off some 0.9 percentage terms from 2017 FY growth outlook by the Government (from 2.7% to 1.8%), with EU Commission May forecasting growth of 2.1% and the IMF April forecast of 2.15%, down from October forecast of 2.77%.
Greece has been hammered by a combination of severe fiscal contractions (austerity), rounds of botched debt restructuring, and extreme fiscal and economic policy uncertainty since 2010, having previously fallen into a deep recession starting with 2008. Structural problems with the economy and demographics come on top of this and, at this stage in the game, are secondary to the above-listed factors in terms of driving down the country growth.
In simple terms, this - already 10 years long - crisis is fully down to the dysfunctional European policy making.
In real terms, Greek economy is now down almost 3 percentage points on where it was at the end of 2000 and even if we are to assume that the economy expands 2.15% in 2017, as projected by the IMF, Greece will still end 2017 some 0.76 percentage points below where it was at the start of its tenure in the euro area.
Meanwhile, the 2.1-2.15% forecasts are likely to be optimistic. Past record shows that, so far, since the start of the crisis, IMF's forecasts were woefully inadequate in terms of capturing the true extent of the crisis in Greece.
As chart above shows, with exception of just two forecasts' vintages, covering same year estimates (not actual forward forecasts), all forecasts forward turned out to be optimistic compared to the outrun (thick grey line for April 2017).
Another feature of the more recent forecast is that 2017 IMF outlook for Greece factors in worse expectations for 2018-2021 growth than ALL previous forecasts:
The key driver for this disaster is the EU-imposed set of policies and the resulting policy and economic uncertainty. In fact, if we were to take the lower envelope of growth projections by the IMF - projections that were based on the Fund's assumptions that the EU will live up to its commitments to accommodate significant debt relief for the Greek economy from around 2013 on, today's Greek real GDP would have been around 20-21 percent higher than it currently stands.
All in, Greece has sustained absolute and total economic devastation at the hands of the EU and its institutions, including ESM, ECB and EFSF. Yes, structurally, the Greek economy is far from being sound. In fact, it is completely, comprehensively rotten to the core and requires deep reforms. But this fact is a mere back row of violins to the real drama played out by the Eurogroup, the ESM and the ECB. The nation with already woeful demographics has lived through sixteen lost years, going onto seventeenth. Several generations are either face permanently damaged prospects of future careers, or have to deal with demolished hopes for a dignified retirement from the current ones, and a couple of generations currently in lower and higher education are about to join them.
Posted by Constantin Gurdgiev at 2:02 PM
Labels: Debt crisis, ECB, EFSF, ESM, Euro area, European debt crisis, Eurozone, Greece, Greek debt crisis, Greek economy
Tuesday, May 16, 2017
16/5/17: M&As and Investment Climate: 1Q data
As an illustration to the point made a few weeks ago (see http://trueeconomics.blogspot.com/2017/04/28417-vuca-markets.html) here is the latest data on aggregate deals volumes and deal values for M&As
Posted by Constantin Gurdgiev at 10:39 PM
Labels: Bubbles, capes, investment, M&A, Mergers and acquisitions
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A MAN who sparked an armed police siege after terrified residents thought he
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thought they had seen a man carrying a gun.
When armed police arrived minutes later and arrested Poulton they realised the
"weapon" was a sex aid.
Speaking at the time of the incident, West Mercia Police said: "A member of
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text: November 29, 2016 Leave a comment One thing your router needs now to keep hackers out By Kelli Uhrich, Komando.com 8,4618.4k People have become so dependent on the internet that there's always an uproar when some of our favorite sites experience downtime. Back in 2010, for example, Facebook was offline for around two and a half hours and people went crazy without it.But what if the entire web was shut down all at once? We're talking more than just your social media accounts and streaming sites such as Hulu and Netflix. News channels. Online banking. Government sites. The works. This is what happened to as many as 900,000 people in Germany this past Sunday. A massive web outage occurred and wasn't resolved until Monday.What caused the outage that left close to a million people without access to the internet? The answer may surprise you.The outage was the result of another DDoS attack, according to officials. We've seen a similar attack like this before. One as recent as this past October, which shut down access along the East Coast of the U.S. for sites such as Amazon, Netflix and Twitter.A DDoS attack - or Distributed Denial of Service attack - is when servers become overwhelmed with more traffic than they can handle. These types of attacks are executed with something called a botnet, and hackers are using one particular vulnerability, which is found in millions of homes across the world, to orchestrate them.Routers. Think of them as the Achilles heel in your personal Wi-Fi network (at least if you haven't done anything to secure them.)What's most troubling about what happened in Germany is that experts believe this was a "botched" attempt. As 900,000 people lost access to the internet, this was considered a misstep by the hackers.That means things could have been much worse. According to the head of IT security at Duetsche Telekom (the company whose customers were targeted), the attack was also meant to impact the German government's network.Once again, this attack also involved Mirai software, which is a form of malware that's designed to infect web-connected devices and turn them into a network of botnets that can be controlled remotely by the hackers. This network is then used to send false signals that overwhelm and shut down web servers.In this case, Deutsche Telekom's IT security representatives have pinpointed routers as the culprit, stating: "In the framework of the attack, it was attempted to turn the routers into a part of a botnet."What can you do to secure your network?One thing to understand is that this threat stretches beyond just routers. Botnets can consist of a collection of smart appliances found in people's homes. But securing your network does begin with securing your router.Here's a checklist of steps you need to take immediately:Check to see if your router is outdated or known to have security issues. (Click here to learn how.)Update your router's firmware. (Click here to learn how.)Change your router's password. (Click here to learn how.)Beyond that, you need to be smart with your web-connected devices. The steps it takes to secure these devices vary from product to product, so it's a good idea to reach out to each of the manufacturers - but, here's a general place to get started.The last thing - and we say this a lot, but that's because it's important - is to be careful of what you click on. Phishing emails are one of the top methods hackers use to infect devices with malware.More news stories you can't miss:New police radar gun detects more than just speedNew hack turns headphones into spying devicesRansomware hits public transportation during busiest travel season of the year Please share this information with everyone. Just click on any of these social media buttons. Source: Daily Mail General Interest Security & Privacy Botnet DDOS Hack BREAKING NEWS, TIPS, AND MORE LIKED WHAT YOU READ? GET MORE IN YOUR INBOX FREE. Stay up-to-date the easy way. SIGN ME UP! Previous Happening Now Scientists can now predict if you're going to die within five years Next Happening Now Public Wi-Fi is more dangerous than you think Related Articles Top 3 cybersecurity threats to watch out for in 2017 Hacking Team Malware Detection Utility 3 best places to get money-saving promo codes online Sponsor: 5 ways to make more money with your current customers


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Mugdorg is a level 66 ogre mage found in Bladespire Hold in the Blade's Edge Mountains. [42, 58] Mugdorg is one of several leaders of the Bladespire clan.
Objective ofEdit
- Drops [Vindicator Vuuleen's Shield] for the quest [66] The Trappings of a Vindicator.


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hot off the press
› News that is hot off the press has just been printed and often contains the most recent information about something.
(Definition of "hot off the press" from the Cambridge Advanced Learner's Dictionary & Thesaurus © Cambridge University Press)
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Word of the Day
strange, not known, or not understood


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1 [transitive] conjugate something to give the different forms of a verb, as they vary according to number, person, tense, etc.2 [intransitive] (of a verb) to have different forms, showing number, person, tense, etc. How does this verb conjugate?
conjugate verb definition in Grammar topic from the Oxford Advanced Learner's Dictionary
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text:
Stumbled upon this article, where BBC programme is looking at the stories behind the AK-47.
It's a story about the Sierra Leone child soldier's carrying and using the AK-47, it's the weapon of choice for child soldiers, as it is light and easy to use but can discharge 600 rounds per minute.
The AK-47 is a gas-operated assault rifle designed by Mikhail Kalashnikov, and produced by Russian manufacturer Izhevsk Mechanical Works and used in many Eastern bloc nations during the Cold War. It was adopted and standardized in 1947.
In 1808, Freetown became a British Crown Colony, and in 1896, the interior of the country became a British Protectorate. The Crown Colony and Protectorate joined and gained independence in 1961. From 1991 to 2000, the country suffered greatly under a devastating civil war. To end the civil war, UN and British forces disarmed 17,000 militia and rebels, in the largest UN peacekeeping act of the decade. The average life span of a Sierra Leonean is 38 years for men and 42 years for women.
I killed a lot of people. I feel so bad now that I am in the town, training people for skilled jobs. I feel so discouraged for the fact that I have been killing people, so sad for the lives that I have dislodged. May God have mercy upon me.
Children, on account of their special vulnerability are the most seriously affected. This stands to justify the ever increasing attention that the subject of child combatants or child soldiers is now given in many countries of the world.
This BBC story and this pictures inspired me to create the STOP CHILDREN WAR banner.


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text: DETROIT, Dec. 6, 2012 /PRNewswire/ -- Carol Goss, president & chief executive officer of The Skillman Foundation, today announced she is retiring from her post, effective at the end of 2013. Tonya Allen, chief operating officer and vice president of program for the Foundation, has been named president & CEO by The Skillman Foundation Board of Trustees, effective January 1, 2014. While accepting the planned resignation, the Board applauded the exemplary accomplishments of Goss during her decade of service as CEO. " Carol Goss has led the Skillman Board and staff on a remarkable journey during her tenure to redefine the role of the Foundation in improving the lives of Detroit's most vulnerable children," said David Baker Lewis, chairman of the Board of Trustees. "Carol's trailblazing vision of a foundation becoming a strategic funding partner in improving the conditions that effect the lives of children has become a reality in Detroit and the nation, through the force of her vision and her ability to persuade others to take up the cause. There is no clearer example of this vision than her groundbreaking work on education reform in Detroit." Under her tenure, the Foundation launched dramatic new strategic philanthropy initiatives involving education reform and neighborhood support for children, focused on measurable change in Detroit. Goss shepherded the Foundation from a traditional and responsive grantmaking organization into a proactive organization that takes on the toughest issues facing children, while mobilizing stakeholders throughout the city to establish initiatives such as Excellent Schools Detroit. She used the Foundation's reputation to galvanize others to commit to a broad and achievable agenda for children. The Skillman Foundation's work and leadership has influenced organized philanthropy nationally, and has served as a model for strategic and embedded philanthropy. Locally, Crain's Detroit Business cited Goss as one of Southeast Michigan's Most Influential Women. She received the Eleanor Josaitis Unsung Hero Award, given by the Detroit Free Press and the Metropolitan Affairs Coalition. Goss was named the 2007 James A. Joseph Lecturer by the Association of Black Foundation Executives. "It has been an honor serving the most vulnerable in Detroit through our mission here at The Skillman Foundation," Goss said. "The support of the Board and staff has been extraordinary. Together, we have changed philanthropy in the region by focusing on children first, while giving voice to those living in neighborhoods – rather than just focusing on systems and governance. Tonya Allen has been the architect of our strategies," Goss added. "She is an exceptional leader, and is probably the smartest person I know in this work." Allen joined the Foundation in 2004, and has been COO of the Foundation since 2010. She developed the Foundation's 10-year $100-million Good Neighborhoods program, and currently oversees the Foundation's main programs, communications and technology operations, as well as talent development. Chairman Lewis said, "Tonya has earned the respect and support of the Board to take on the role of CEO of the Foundation through her thoughtful work for children, her passion for making a difference in their lives, and her skill in program development, execution, management and evaluation. The Board, staff and community are extraordinarily fortunate to have Tonya succeed Carol."