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History of Online Banking: How Internet Banking Became MainstreamOnline banking best practices are becoming the new banking standard.
Half of the U.S. adult population now bank using smartphones and tablets; that's 29 million people more than last year who are using mobile banking, according to a May 2016 report from research-based consulting firm Javelin. And the traditional bank branch is now used by just 32 percent of customers, according to a 2015 study by Roy Morgan Research. With those numbers in mind, it's hard to imagine there was once a time when all banking was conducted at actual brick-and-mortar financial institutions. Even the simple task of checking your account balance used to require a trip to the bank.
Although so many people take advantage of the digital banking tools offered online today, most people don't know the full history of online banking. Learn how this innovative form of banking evolved and gained mainstream popularity.
Related: 10 Best Online Banks of 2016
The History of Online Banking
Banking has come a long way since the days of regular visits to tellers. Now a customer can take a picture of a check with his phone to deposit it into a savings account. The evolution of online banking started in the 1980s, when the definition and the practice of internet banking were far different than what exists today.
What Is Online Banking?
When the term "online banking" initially gained popularity in the late 1980s, the phrase referred to the use of a terminal, keyboard and television or computer monitor to access one's bank account using a landline telephone. Now the online banking definition, or internet banking definition, includes any electronic payment system that allows customers of a financial institution to conduct financial transactions through the financial institution's website. Today, online banking services include mobile internet banking technology, such as person-to-person payment smartphone apps and text banking.
Online Banking: The Early Years
The early version of what was considered online banking began in 1981. New York City was the first place in the U.S. to test out the innovative way of doing business by providing remote services as four of its major banks — Citibank, Chase Manhattan, Chemical Bank and Manufacturers Hanover — made home-banking access available to their customers. Throughout online banking history, customers have been slow to adopt this new method of banking. In 1981, customers didn't take to the new initiative, so the online banking system failed to gain momentum until the next wave of innovation in the mid-1990s.
In October 1994, Stanford Federal Credit Union became the first financial institution in the U.S. to offer internet banking to all of its customers. A year later, Presidential Bank became the first bank in the country to offer customers access to their accounts online. Internet banking systems began to catch on as many other banks soon followed Presidential Bank's lead. At the same time, the now-defunct Security First Network Bank became the first dedicated online bank in the U.S. SFNB opened its virtual doors for business with basic offerings for national online banking, including no-fee checking and an ATM card.
The evolution of internet banking continued with the first truly successful internet-only bank: NetBank was founded in 1996 and closed in 2007. The NetBank name and domain were acquired by BofI Federal Bank in 2012. Bank of Internet USA was officially founded as part of the incorporation of BofI Holding, Inc. on July 6, 1999, making it America's oldest internet bank; it opened for business on July 4, 2000.
The conveniences and perks of internet banking became obvious to many customers: online interest rates that were higher than those of regular banks, greater access to accounts, and online banking transfers, to name a few. Still, other customers were hesitant at first to use this new banking method because they were unsure of how it worked and didn't trust the security features of online banking.
Keep Reading: 10 Reasons Why the Internet Hasn't Completely Replaced Banking
Online Banking in the 2000s
As the evolution of online banking continued, it slowly began to gain popularity in e-commerce. When big-name banks began to offer online products and services, internet banking seemed to gain legitimacy for consumers. By 2000, online banking had become mainstream: An overwhelming 80 percent of banks in the U.S. were offering internet banking services. In 2001, Bank of America made history as the first financial institution to gain more than 3 million online banking customers, about 20 percent of its customer base.
In 2009, Ally Bank joined the ranks of internet-only banks. "The Ally Bank brand was launched to provide customers with a straightforward, customer-centric approach to banking as consumer preferences continue to shift toward online banking," said Diane Morais, Ally Bank deposits and line of business integration executive.
In a 2010 survey on consumer billing and payment trends, Fiserv found that online banking and mobile payments were growing at a faster pace than the internet. Online banking has continued to evolve as more innovations and conveniences have been offered. Bank of Internet USA has introduced a number of new and technologically advanced products and services since its inception, including mobile internet banking apps for the most popular mobile devices, MyDeposit for check deposit by mobile or computer scan, Popmoney for money transfer via text or email, and EMV-chip debit cards.
Online banking has become so widespread today that customers expect accounts to include free online banking, and many banks only operate on the internet, effectively decreasing overhead costs to offer more competitive rates and enjoy higher profit margins. "As an online bank, Ally doesn't have branches, which allows it to offer customers great rates, 24/7 service, and innovative and competitive deposit products," Morais said.
Online Banking Security: How Accounts Stay Safe
Today, online banking is one of the most popular ways for people to manage their money. Banks ensure internet banking security for customers by using encryption technology — such as secure sockets layer — verifying internet banking account activity, incorporating account safety features, and constantly warning consumers of ways to avoid threats such as identity theft.
Since early 2015, banks around the world, from Ecuador to the Philippines to Qatar, to name a few, have been the victims of security hacks. Society for the Worldwide Interbank Financial Telecommunication — or SWIFT, the messaging network that connects the world's banks — warned its member banks as late as August 2016 to increase their security in the face of ongoing attacks. Banks have been focusing on providing comprehensive security measures. JPMorgan Chase, for example, has begun limiting employees' access to the SWIFT software.
And Bank of America's online banking service, for example, incorporates industry-leading safety features that give customers greater security and peace of mind as they manage their money. The FDIC has also taken measures to ensure that this highly convenient banking method is safe.
Consumer Responsibility for Secure Online Banking
According to a survey by Accenture, most consumers trust their banks over other businesses — such as mobile phone networks and online retailers — to securely manage their personal data. Still, online banking customers should take measures to practice safe internet banking. The FDIC advises consumers to take the following precautions:
- Research a bank prior to opening a paid or free online banking account.
- Be aware of fraudulent websites made to look identical to actual bank sites.
- Always make sure the bank is FDIC-insured.
- Keep personal online banking information secure.
- Know your rights.
The Pros and Cons of Online Banking
Every tool or service has its pros and cons, even the most convenient technological advancements — such as being able to access bank accounts from any place at any time as long as there's an internet connection. The advantages and disadvantages of a resource should be weighed carefully by customers when their money is concerned. Many features of internet banking are positive, but some negative possibilities also exist in the digital world that could keep more cautious consumers away.
The Advantages of Online Banking
"Bank customers are now accustomed to being able to manage their finances online, 24 hours a day, seven days a week," said Tyler McConvill, a digital marketing manager with Bank of Internet USA, the oldest online bank dedicated to service via internet. This supreme convenience is a major selling point of internet banking. Other advantages of online banking include:
- Better rates: Because online-only banks lack the overhead costs associated with brick-and-mortar banks, online banks are able to pass on the savings to customers in the form of better interest rates.
- Ease of use: Customers can quickly and easily monitor balances, check on spending and be alerted to low balances.
- Services and tools: Resources such as online bill payment and online tax forms, loan calculators, budgeting tools and even investment analysis tools are often available — and usually free of charge.
- Mobility: Access to a bank account and up-to-date balance information are available to customers any time they have a device with an internet connection. Customers are able to access their accounts seamlessly from computers, tablets and smartphones.
- Electronic transfers: Transferring money between accounts and banks is as easy as signing into an online banking account and clicking through a few steps.
- Environmental friendliness: Banking online can go hand in hand with paperless notifications. Customers are given the choice to opt out of paper statements and mail. Instead, they can be reached via the message center within their online bank account, by email or even by text message.
- Security alerts: With 24/7 access to their online banking accounts and balance information, customers can be alerted to unusual activity and security breaches almost immediately.
The Disadvantages of Online Banking
Although the advantages of online banking are significant, some critical disadvantages of this modern means of banking do exist:
- Diminished relationships: Because banking is conducted mostly and sometimes completely online, there's a lack of face-to-face interaction and little opportunity to develop relationships between customers and bank representatives.
- Lack of comprehensive or special services: Brick-and-mortar banks are able to provide services such as notarizing financial documents, which can't be done by an online bank.
- Transaction issues: For clients who frequently deposit cash, online-only banks might not be as useful. Additionally, ATMs for some online-only banks can be hard to find.
- Security issues: As with any institution in possession of secure data and personal information, online banks are vulnerable to security risks. Hacking, phishing and viruses are some of the associated risks that banks try to provide protection against.
Read: 10 Best Checking Accounts of 2016
Majority of Depositors Use Online and Mobile Banking
Despite the known risks and disadvantages associated with online banking, customers' preference to do bank business online has only grown over the years. A 2015 survey about online banking conducted by the Federal Reserve Bank revealed that 74 percent of people had used internet banking and 35 percent had used mobile internet banking during the last 12 months — with just 33 percent saying they had used telephone banking.
The Federal Reserve Bank dug deeper to learn more about internet banking and related demographics, finding the following information about respondents who used mobile banking in the past 12 months:
Over 66 percent of those surveyed who were between the ages of 18 and 29 had used mobile banking. Of survey participants age 60 or older, almost 26% had used mobile banking.
An equal number of men and women — 52 percent of each gender surveyed — use mobile banking.
Mobile banking usage increases with the level of education attained — 44 percent of users have a college degree or some college education.
Mobile banking use tends to be more popular than not, regardless of income level.
A Consumer Reports survey showed that banks that operate mostly online earned the highest overall satisfaction levels seen for any banking service:
- 93 percent of customers reported they were highly satisfied.
- 11 percent of virtual bank customers complained about the service they received.
- 32 percent of those who banked at Bank of America, Chase, Citibank and Wells Fargo had complaints.
See: 8 Ways Your Money Habits Are Ruining Your Relationship
The Future of Online Banking
Despite the slow adoption rate in the early part of the history of internet banking, online banking has proven it's here to stay. Features have greatly evolved from the first days of internet banking history — from the need to use a landline to access account balances in the 1980s to having the ability to transfer funds, pay bills and deposit checks with just the click of a mouse or on a mobile device today. As technology continues to advance, banking online will likely become even easier and more ingrained in the average consumer's lifestyle.
"Looking ahead, Bank of Internet USA is no longer serving a niche client base," said McConvill. "Customers who use the internet to do their banking are now the norm, not the exception. Our goal is to provide the optimal banking experience for all banking customers, not simply the optimal banking experience for online banking customers."
"This should be the goal of any bank that wishes to remain competitive in a world that is rapidly shifting away from the traditional ways of conducting business," McConvill said. "Banks that fail to realize that online banking is really just banking in its new conventional form will soon find themselves struggling to survive." In other words, the best internet banking practices will soon be the best banking practices, period.
Laura Woods contributed to the reporting for this article.


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Dog Walking in West University, Eugene, OR
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|Santa Clara
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Other than that, this movie was really well done!
Rating: 8.5 out of 10 stars.


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General Evening Post (Newspaper) - April 15, 1790, London, Middlesex Price Three-Pence Halfpenny only. From THURSDAY, April i 5, to SAT URD A Y, F R I DAY, April i6. FOREIGN IKTEX.LI GjNCI, Presbourg, March 12. MSI -Cjv3-,.0ME troubles have broke >: out in our three Counties ; the peafants have revolted againft their Lords, and refufe to pay the contribution. Many t'/i^j Noblemens houfes have *T^^^W%&Mi been PiIlased b> them� &^^&!&tt$�'itt-� and many diforders com-ik%*Sg�&^W> mitted. We I \ -jr^.t *-�- the Britifh fettlements the diftreffes which .reigned there � but.; unfortunately, for their own prefervation, the Settlements were compelled to deny them that relief, which at any other time humanity would afford and dictate. The :ahabitants living on the rive/, who are �o,i , one, Ld J^'.r^^S SI SOS I Ip^^on �Uh thei Egt a pair of ffl�r buck.es. *c. hU pro- Blanchard, to pleafe the Diet at Warfaw, is going to make another aerial voyage, in a balloon eight times larger thgn the one he af-cended with before-^the gondola weighs 600 pounds, and is to contain a fecond perfon-The firft gondola weighed only fifteen. An application was - made on Wednefday to the Lord Chancellor for the Great Seal to ba applied to a patent for building an Opera-houfe ia. Leicefter-folds. The Chancellor's queftion was;. Wb}?-and the reply to this is to be fubmitted to'his Lordfhip on Tuefday. Charles the Firft had a porter of the name of Evans of fuch gigantic ftature, that one day, at a Court Mafquerade, while the Nobility were viewing him with aftonifhment, he fuddenly pulled Jeffhry Hudjon, the Court dw*rf, oat of his pocket. Yefterday Thomas Cannon, . the maniac, who efcaped twice from the Pafs-mafters, was brought before Sir Sampfba, Wright, and Nicholas Bond, Efq;"when the Pafs-maller from whom he had abfcouded, attended ; and after being reprimanded by the Magiftrates the prifoner was delivered to him, and he was ordered to fee him conveyed fafe to the Ifle of Man. Yefterday morning about feven o'clock, a due was fought, near Hyde-park, by two gentlemen of the Temple, when one of them received a ball in his left arm, and the other had his hat fhot off; the feconds then interfered, and the parties were reconciled. On Wednefday the Rev. Mr. Harbin was brought bjipre Mr. Addington, at the Public Office jn "Bow-ftreet* charged with fending a challenge to a. Mr. Barry, and was committed to New Prifoii, Clerkenwell, to anfwer the complaint. On Wednefday night, at Drury-Iane Theatre, a young woman had the bottom of her pocket cut by a genteel young man fitting next to her, who ftole her pu:fe, containing about two guineas and ^fome valuable pieces. ' Monday evening fome villains found means to enter the bed-room of Mr. Nicholls, the Hand and Flower,, Gravel-lane, Southwark (between feven and eleven) and broke open a bureau, dripped it of its contents in cafh and notes to the amount of 300I. and got off undifcovered. The Rev. James Watfon, Chaplain to the Right Hon. Lord Delaval, Mafter of the Free Grammar School of Lancafter, and Chaplain to the County^ndi fcaftle of Lancafter, is nominated to tuted tbxbefeaocy of Clife/m Belted vacant by the death of the4c7: Dr. Gflwne, on f the prefentation of his mother, Mrs. S. Oliver. ^ Yefterday thirty prifoners were tried at the" Old Bailey, one of whom was capitally con- vifted�.viz. . . John Drayton, for burglanoufly and feloni-oufly ftealing, in the dwelling.houfe of John April 17, 1790, Vol. This Day nx-as f>ubli/huf, Price It. 6d. U I C I DE, a DI S^ ERTATI ON, Printed by M. Vint, in Avem-ny-lane; fo!d by S. r�-f n---- rg^ s Hayes, ia Oxfoid-ftreet. R A N E L A G H. � AM AS- -C^ U E R A D E (For th? "nly 'lime thi; Seafon)> And FiXE.WORKS ia rhe OARDcN, Will be exhibited on the jgth t" MAY, 179^,- ' In Hor.uur of . HER Mff]'FS:Ty,s BIRTH-DAY.,. CtiflVe -�nl Tea as ufual. ' The Supper D be^fervsd in the Bj�:s and C^Hr ry cf t'ie Ro� tunda at One o'Ciojk. Tickfts (or AdmiiTion at ths Dour) at Onr Gnin-'a Mafquerade D.efl'es'may bj. had on lie Ev-iiing af Ranel.igh-Houfe. Open on Mondays, Wednefdjys, and Frid iys, far lb* NEW COLLEGE, HACKNEY. O^l Wednefday the 28th of April, 1790, a "SERMON will be preacheJ before 'lie Gov mots ana Friends of the New College, Haclcnevj at rhs Miettng* Hoafe in the Old-Jewry, by the Re*. Mr. Belfliam. Service to begin at liJcvsn o'Clock. After which the Comptay of the Fricndivf this Inftuutiaa 1% requefted at the London Tavern, Bifhoplgate-ftrtett I)inner to be on TaWJe-w-Ejuio'Cleck pirc'rfely. ST EW A R DS; " " Oeorge BrQikftank, Efg; James Efdaile, El'q^. John Finch, Efq; George Jeffery, Efq; Tiolcets, 7s. 6d. Frjncis KembV, Efq} S.imuel Rogeri, Erqj : Thomas "c'oti, Efq"; M. P. , Mr. Sergcmt W�fJn. each, to be .had at the Bar of (the Tavern. fo^ RUGBY ANNIVERSARY. Tharfiay, 2d July, 17R9. IT was refolved, at a Meeting of the Gentle* men educated a: Uujiby School, rhat their n�; Anniver-f�ry Meeting fliould be hdd at the Crown nd Anchur Ta� vern in the Strasfrf, in London, on Wed'.efJay 21ft Day of April ; but ; y the Defire of'f v.-ral Ru�beans the faid Meeting is poirpened till rhe Week o; tie Mufic Meeting in Wcft-minfter Abbey, and w-:l' be h=*lStewai*J�, MONEY NEGOTIATIONS. C UMS of MONEY, from 100I. to 1 Axwiar, advanced on Annai^, for whirli a v iv Price will bejjiv/n, and jiiade.redeemable at PJeafurr/or on Billi of Exchange, r,r cm Notes of Hand, on J i, tures, STERT BohTs-courty VyilgPoUlf^'U> l.iu1 ntgnn'Jn *ilcui�. f any beer to d* other ; % ^ Ml four andi^d, ,bUg,d them ,0 refufe the pamcpa^on wuh thetr and ail, but Ward, have been taken into cuftody, unhappy countrymen him they cannot yet get hold of. johnfon entered into a recognizance for his appearing at the next feffions to take his trial, but Levi and Lee, not being able to procure bail, both pleaded guilty to the indiftments againft them, and put themfelves on the mercy o� the Court, begging their lenity on account of the battle being fought to decide a quarrel between them, and not for money, and flated they were hard-working men, and did not get their living by prize-fighting. The Court took thefe circumftances into their -coniideration, and told them that having pleaded -conHdcrauon, aim iuiu mwa* --------o * � ijuiltv, they had taken the beft ftep to atone for 290,9371. ��s- Mr. Pitt yefterday concluded his bargain for another Lottery : the bidders were �> Mef&s. Hankey, Hammerfley, Angerftein and Co. Salomons and Co. Lilly and Robarts This price fuppofes a Lottery of 50,000 tickets -but Meffrs. Lilly and Co. will have an option to alter the number to their own fcheme, if Government lofes nothing by the alteration. The premium upon the whole Lottery is s. 2 IO 12 15 l6 d. O O 6 10 4t perty. Seventeen were convicted of felonies, and 12 were acquitted. * MARRIED.] Yefterday, at St. Ann, Black-friars, Thomas Rice, Efq; of the Horfe Guards, to Mifs Lowe, niece of Robert Lowe, Efq; of H(ampton Wick, Middlefex. DIED.] On Tuefday the 6th inft. at Ufk, in Monmouthfhire, in the 76th year of his age, Lieut. Col. Samuel Browne, formerly cf the 4th regiment of Horfe-Dragoons.-Wednefday laft, Mr. James Haliday, hog butcher, Gofwell-ftreet. their offence, and therefore committed them to the Honfe of Correftion for onfe month only, and to find fureties for their good behaviour for three months. Wednefday, at the Quarter Seffion at Chelms-ford, the bufine/s of the fine impofed on the county by Lord Loughborough was again agitated with fome warmth. A motion was propofed by Sir �William Smith, and, after a debate, carried in the affirmativs, to refill the ufurped authority (as it was termed) of the noble Judge. We cannot venture to prophefy how or where this bufinefs tvill end : that gaojs fliould be regulated is certainly neceilary ; and, till higher opinions contradict the legality of this fine, we are under a , Jieceihty of condoling, that the learned and noble Peer has not in this inftance exceeded his power. S H I P-"N E W S. Dealt Jfyfil *4' Wind W. by N. Came down, . and failed* the Lord Sheffield, Sinclair, for Jamaica ; New-Providsncc, Wood, for Cadiz; and Mary Maria, Grey, for Bourdeaux; Draper, Walker, for Dublin 5 and Alarm, Drew, for Cork. Came down, And remains with the Paragon*. Clodd, for Oftend, the Rodney, Chat field j for India. 'Grave/endf April 14. Sailed the Ebenezer, Johnfon, for Norway; Changeable, Bowrey, for Maryland j Lady Agneta, Balche, and Vrow Ticke, Wever, for Hamburgh ; Alert, Duncan, for Peterfburgh ; Charlotte, Davis, for Mar-VeiBes; *nd Yeldham, Cuthbertfon, for Copen hagen. On Tuefday laft came on at Guildhall the election for a Surveyor to the Hon. the Commiffioners of Sewers, Lamps, and Pavements, for' die City of London and Liberties thereof, in the room of Mr. George Wyatt, deceafed; when Mr. Nathaniel Wright, of Alderfgate, was chofen ; the numbers were as follow : Mr. Wright, 1 43 j Mr. Shepheard 5 Mr. Peacock, 13 j Mr. Beazely o Yefterday a full Court of Direftors was held at the Eaft-India Houfe, when Stephen Lufhing-ton, Efq; wa* elected Chairman, and William D.evaynes, Efq; Deputy Chairman, for the pre-fent year. Both the above gentlemen go out of the JJireSorfhip by rotation next April. Capt. Mitchell, of the William Pitt, for Bengal, received his final difpatches from the In-dia-houfe. this day. The Snow Lewis, of and from London, Capt. Martin, with provisions and paffengers, for Newfoundland, was on the night of the 7th inft. burnt to the water's edge, as fhe was lying at anchor at the piffage of Waterford ; fhe was to have failed the next Jay % no lives were loft. The report of the death of the Emperor of Morocco is premature ; but it confirms what his Tawny Majefty faid of the Englifh a few years ago, that of all European nations they were " the moft damnably given to lying" We hear that the Bankers "in Lombard-ftreet, have rewarded the butcher's boy who found a pocket book belonging to one. of their clerks, containing 2o,oool. of Bank Notes, with Twenty "Gkimar! I! BLACK SILICS, Sec. &c. EARCHER refpeftfully informs the Nobi-. lity and Gentry, that his Ware-Rooms now are, and will be constantly aCorted with all Kinds of Black Silks, &c. &c. viz. Luftrings, Armozeens, Dueapes, Tabbies, Rafdinidres, Widows' Silks, Bombaxeens, Norwich and Italian Crapes; Black Bombazetts and Wild bore StuTi for Servants, and fome very curious White Bptnb^seeni. N. B. hiQi Poplins ia Black, White, and Grey; plain, rrriped, and fported, which makes very hartdfonae Second Mournings. *#* The lowert Money Price wrote on each Article, which is confjderably under what they could be fold for on Credit. . ^ , Henrietta-Greet, Covent-Garden. ITTERINGHAM WATER-MILLS, NORFOLK. To be Lett, and entered upon at old Michaelmas next, i ALL that fpacious and convenient Water-Mill, lately rebuilt, upon an improved Plan, fvtuate upon a very large and certain Scream} the Wa-er-Wheel,, being 18 Feet hiph and 8 wide, is capable of manufacturing iio Quarters of Wheat hi a Week, upon the Average. j Alfo a pleafant new-built Brick and Tiled Dwelling Houfe, Stable, Chaife-Houfe, and other convenient Buildings, together with about 30 Aerw of nth Arable and Palhire Land adjoining' wi hin a Ring-Fence. Itteringham is in the'moft pleafant and fertile Par:'c?r the County, within 15 Mi|es of Norwich, 4 of Ayiiham, 7 of Holt, and 10 of NorthwalAuto, all confiierable Market Towns; and on'-y 4 M}les from the Navigable River to Yarmouth. For farther Particulars appjy to Mr. John Pe?cocJr, Flour-Merchant, Mi.ntague-Cl.Ts, Southwark; William Colls, the prefent Occupier, who is going to re/iJe at WORSTEAD-MILLS j or vtrMt, Rob. Colls, near Norwicii, Frois-vice!. tojpjOaol. alwys ready for Morrgag�i Jtents coMe^l^ tn~arTy Part of the BritHb D 'minions on Terj molerate Terms, Money lent on them in Acvance, ani *" Security ^ivento any Amoun: for the rlL-ceiver's Refp.infibi-]ity. Perfon6 having Money to lay out, may bs inftrufflrd how-to make Th.rtatn per Cent, of it, legally, and without Rifle. . Thofe who defire to cr^nfult Mr. Sangfter on Bufir.efs at tVeir own Houfes, may be waited opon on the flwrteft No it fg22 HOWARDIAN SUBSCRIPTION. Lond-n Coft>e H^ufe, March 11790. AT a General Meeting of the Subfcriber3, the Minutes of June 9, 178S, were confirmed And an Account being laid before the Meeting of the pre--fent State of t' e Fua-% togtker with the Cauf� winch have hitherto obftrucled tne'Exec.ition of a M-.dal; and th- Name* of Fifty-fi\e Debtor?, manyofthern with hrge Families, relieved from Prifon wi;h ths aool. voted at the Meeting of June.9, 1788, to be applied to that Purpo.fe ; It ippeared that the Ba'smcenowin Hand (inducing 103I 10s. received as D'viiim s on Stms .which hive be^n placad in the three per Cent. Confo.idited Annuities) amounts to 751I. 6s. Whereupon it was Refuived, unauimuufl > I. Tbattdis Meeting doih fully approve of the Statement of the Funi now laid before them ) and are ol Opinion, that the Conduft of the Committee, in their Attention to thler the above a* an4nv:tM9 ;
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Town Square
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AROUND TOWNChamber of Commerce commends community at award ceremony
The Danville business community stepped out in style Thursday night for the Danville Area Chamber of Commerce awards and...Original post made on Feb. 21, 2011
Last comment by jrm, on Feb 21, 2011 at 8:40 pm | 6 comments | 1603 Views
AROUND TOWNExcellent study: AIA profiles new fire house planning
Alamo Improvement Association ("AIA") has spent many months with the cooperation of SRV Fire District in defining the issues...Original post made by Hal. CDSI Research on Mar. 1, 2011
Last comment by jake, on Mar 14, 2011 at 8:53 pm | 6 comments | 1439 Views
AROUND TOWNCommissions approve Danville Hotel development plans
The Planning and Heritage Resource commissions unanimously approved final development plans for the Danville Hotel project...Original post made on Mar. 24, 2011
Last comment by business owner, on Mar 27, 2011 at 8:22 pm | 6 comments | 1644 Views
AROUND TOWNSaturday hike will view Magee Ranch area proposed for development
People concerned about a proposed development near Magee Ranch will have a chance to see the area from above on Saturday....Original post made on Mar. 26, 2011
Last comment by Bella, on Mar 29, 2011 at 9:06 am | 6 comments | 1610 Views
AROUND TOWNThe Drought Is Over EBMUD Needs To Respond
Our water rates have risen astronomically, FAR outpacing inflation over the last few years, to of course invoke monetary...Original post made by JRM on Mar. 30, 2011
Last comment by C. R. Mudgeon, on Apr 1, 2011 at 2:31 pm | 6 comments | 1684 Views
AROUND TOWNTown unveils 'Share Our Streets' campaign
"Share Our Streets," a joint effort by the town's transportation and police departments, targets the three main groups using...Original post made on Jun. 20, 2011
Last comment by Steven, on Jul 10, 2012 at 12:14 pm | 6 comments | 2609 Views
AROUND TOWNLocal volunteers help pack 100,000 meals for Somalia
Many people just reach for the remote when confronted with scenes of anguish or pleas for help in parts of the world suffering...Original post made on Aug. 17, 2011
Last comment by Derek, on Aug 19, 2011 at 8:50 am | 6 comments | 2447 Views
AROUND TOWN2012 Recall efforts have begun
Dear Editor, Discovery Bay neighborhoods have approval to proceed with their RECALL petition for Brian Dawson, Discovery...Original post made by [removed] on Oct. 13, 2011
Last comment by [clarification], on Oct 17, 2011 at 9:02 am | 6 comments | 1753 Views
AROUND TOWNWho are your readers' candidates for District 2 supervisor?
Dear Editor, May we, as readers, start a survey on the Express Forum for who voters would support as a candidate for District...Original post made by Allied new services research on Nov. 18, 2011
Last comment by Alamo Gets Justice, on Nov 22, 2011 at 4:46 pm | 6 comments | 2232 Views
AROUND TOWNDawson Recall Proponents Back at Safeway with Sheriff's OK
The recall proponents were again back at the Safeway shopping center. This time they were protected from the opponents harassment...Original post made by Hypocrit on Feb. 5, 2012
Last comment by Flint's shadow, on Feb 6, 2012 at 11:02 am | 6 comments | 1434 Views
AROUND TOWN5,900 motorists in Bay Area cited for cell phone violations last month, CHP reports
Cell phone calls, texts and other distractions on the road earned nearly 6,000 Bay Area motorists citations from the California...Original post made on May. 15, 2012
Last comment by Derek, on May 17, 2012 at 2:16 pm | 6 comments | 2703 Views
AROUND TOWNSchool district hires new superintendent
The San Ramon Valley Unified School District has a new superintendent, and Sacramento is mourning the loss of a much-loved...Original post made on Jun. 7, 2012
Last comment by Asian, on Jun 11, 2012 at 2:10 pm | 6 comments | 2614 Views
AROUND TOWNValley gathers for Sept. 11 rememberance
Twelve years ago, Sept. 11 was just an ordinary day, maybe somebody's birthday or wedding anniversary. Now, it marks a point...Original post made on Sep. 14, 2012
Last comment by David, on Sep 14, 2012 at 1:37 pm | 6 comments | 2045 Views
AROUND TOWNLitter in the Lunardi's Parking Lot Solution
First off, I must say in general our town is very clean and pockets of littered areas are seldom seen in Danville. ...Original post made by JRM on Jul. 23, 2013
Last comment by JRM, on Jul 30, 2013 at 9:11 am | 6 comments | 2330 Views
AROUND TOWNGas line break closes street, businesses
A gas line break prompted the closure of a roadway and some businesses for more than an hour Friday evening. The gas line,...Original post made on Oct. 7, 2013
Last comment by Conservator, on Oct 9, 2013 at 12:22 pm | 6 comments | 2383 Views
AROUND TOWNReaders Choice results are in!
Things to do, places to see, pampering to enjoy and yummies to eat -- once again, our readers have spoken. For the fourth...Original post made on Oct. 16, 2013
Last comment by SALLY, on Oct 21, 2013 at 9:14 am | 6 comments | 14012 Views
AROUND TOWNDA: Shooter's spark caused Mount Diablo blaze
A spark from a stray bullet hitting a rock led to the fire that burned a swath across Mount Diablo, according to an investigation...Original post made on Nov. 28, 2013
Last comment by Sparky, on Dec 2, 2013 at 6:39 am | 6 comments | 4264 Views
Hello my name is Steve I have a lot of experience with this type of chemicals. I have dealt with DOW AGRO chemicals company...Original post made by steve on May. 2, 2014
Last comment by steve, on Jun 26, 2014 at 3:39 pm | 6 comments | 1265 Views
AROUND TOWNContra Costa supervisors OK $6 million loan to hospital
A plan to keep Doctors Medical Center in San Pablo open in a drastically scaled-down form is moving forward with a $6 million...Original post made on Jun. 18, 2014
Last comment by Peter Kluget, on Jun 24, 2014 at 12:15 pm | 6 comments | 2638 Views
AROUND TOWNSan Ramon council addresses water-use strategies
San Ramon's water sustainability -- past, present and future -- was the main topic of conversation Tuesday at the City Council...Original post made on Jul. 28, 2014
Last comment by Britt, on Aug 10, 2014 at 9:27 am | 6 comments | 2042 Views
Livermore trustees demonstrating wisdom
By Tim Hunt | 9 comments | 1,024 views
The Great Divide, and What's Next?
By Tom Cushing | 38 comments | 840 views
Material Matters
By John A. Barry | 0 comments | 131 views
2017 guide to summer camps
Looking for something for the kids to do this summer, learn something new and have fun? The 2017 Summer Camp Guide features local camps for all ages and interests.


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Wall construction for insulation support
Alright, let me try to describe my situation. Currently, I have 2 corners of a particular room where I have similar situations to deal with, so I'll describe one of those corners.
The current construction is that this is on the second floor of a 1.5 story house, and it's under a roof with a 9/12 pitch where the eaves are at the top of the first story... The second story is like a finished attic. From the front of the house towards the back consists of a bedroom with knee attics on both sides, then the stairs, then a second bedroom with knee attics on both sides which end at a 5' wide dormer on each side followed by about 3' of the room beyond the dormers where the side walls are at the house's exterior wall (i.e. no knee wall attic.) This last 3' section is the area in question.
The current construction is that the exterior wall was filled with cellulose insulation, as was the sloped ceiling. The drywall was collapsing and the insulation is nasty, it's in the garbage and gone. This section is walled off from the dormer with the wall ending in line with the side wall forward of the dormer, and the other wall is open forming a cubby that had a pipe across it for use as if it was a closet.
I have gutted the insulated portion of this area including the entire gable end wall because I suspect all of this cellulose of being unhealthy from moisture that has resulted from inadequate ventilation.
The wall seperating the cubby from the dormer is constructed with 2x4 with the 4" (3.5") dimension along the length of the wall, i.e. I have a 1.5" thick wall cavity between 2 sheets of drywall.
My intent is to enclose this area, making it cold space.. So to insulate this properly, I need to put insulation on the exterior side of the wall that has 1.5" of space between sheets of drywall, preferably to R19. I'm thinking I'll just take my kraft-faced fiberglass and put it in one of 2 ways: I could frame a wall on the back side with 24" OC spacing, or could I just staple it onto the existing wall without building any new framing so I don't have the studs conducting heat - it's just all insulation? Or maybe just put up a stud along the top and bottom and attach a rigid foam board to provide additional support and a little more insulation?
got pics? that may help get responses.
1 Attachment(s)
That would mean this picture is worth 423 words. :laughing:
In this image, I've added a red box showing where I will be adding a wall which will have a recessed book case integrated into it, and I have a red arrow from the insulation pointing to the wall where I am asking about the best way to put it in: the question is basicly whether I need to construct a stud wall to support the insulation or if it would be better to just staple it onto the drywall without a stud wall.
Myself, I'd put up a wall. I don't think stapling to sheet rock would be durable.
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Decorative chimneys
Why this project?
The famous brick chimneys of Hampton Court Palace were an integral part of the 1514 design for Thomas Wolsey's palace, a demonstration of his exceptional wealth and are the earliest of their type in England. After Henry VIII acquired Hampton Court in 1528, his new buildings added further chimneys to the palace's impressive skyline. Today, Hampton Court still has 241 decorative brick chimneys, the largest collection in England.
Issues to address:
- The chimneys are constructed in soft red brickwork and are vulnerable to weathering and erosion.
- As far as we are aware, none of the original Tudor chimneys survive. Many are Victorian and are likely to follow the decorative tradition of the original work, if not being wholly faithful copies. We salvage as much original brickwork as possible from the dismantled elements.
Our approach
- Dismantling takes place course by course so that photographs and templates can be taken at each stage.
- All sound bricks are carefully cleaned, salvaged and packed carefully.
- New, fine-textured red bricks, hand made in the traditional manner.
- We also use a softer, lime-based mortar.
Further information
For more detailed information on this project, including images, please download the Adobe PDF below.
Other building projects
Click on the links below to view profiles of some of our other building projects for 2007-8
- Anne Boleyn Gatehouse, Hampton Court Palace
- Beauchamp Tower, Tower of London
- Bloody Tower, Tower of London
- Chapel Royal, Hampton Court Palace
- Reigate stone, Tower of London
- Tiltyard Tower, Hampton Court Palace
- Tudor brickwork, Hampton Court Palace
Learn about conservation
Downloadable Resources
Some files are provided in PDF format - you will need Adobe Acrobat Reader to view these files.
(Adobe PDF, 332KB)


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Another teacher pleads guilty in APS cheating scandal
ATLANTA - A former testing coordinator has entered a guilty plea in connection with the Atlanta Public Schools cheating scandal. During plea proceedings late Wednesday before presiding Fulton County Superior Court Judge Jerry Baxter, Lera Middlebrooks pleaded guilty to a single obstruction charge.
Middlebrooks was among the 35 APS educators (including former Superintendent Beverly Hall) indicted in March for their roles in an alleged conspiracy to alter Criterion Referenced Competency Test (CRCT) scores within the Atlanta Public School system. Each was charged with False Statements and Writings, Theft by Taking and Violation of the Georgia RICO (Racketeer Influenced and Corrupt Organizations) Act.
The charges against Middlebrooks date back to 2009 when she was employed as a testing coordinator at Dunbar Elementary School. As test coordinator, Middlebrooks was responsible for maintaining custody of test booklets and answer sheets when not in use by students. Middlebrooks initially denied the allegations against her but now admits she allowed teachers to have improper access to students' completed CRCT answer sheets so they could change incorrect answers. She says she cheated because of tremendous pressure placed upon her by school administrators to meet academic targets that were tied to bonuses and incentives for the school districts. Middlebrooks also admits making statements to discourage and intimidate teachers at Dunbar that she knew had participated in changing answers from implicating her in any cheating activity to GBI Investigators.
Under the terms of her plea agreement, Middlebrooks was sentenced to one year on probation, ordered to perform 250 hours of community service. She must also provide truthful testimony at trial. In addition to admitting her guilt, Middlebrooks also submitted a letter of apology to the Court.
Middlebrooks plea brings to six the number of educators who have entered guilty pleas in connection with the cheating scandal. To date, four teachers and one assistant principal have pleaded guilty to obstruction charges and have been sentenced to probation, ordered to perform community service and pay restitution for bonuses received under false pretenses.
Another teacher pleads guilty in APS cheating scandal
Fight at Sweet 16 birthday party leads to deadly officer-involved shooting
DNA may have solved a 30-year-old murder mystery
2 friends found dead in same neighborhood an hour apart
Mayor says a mix of meds, alcohol led to wild confrontation with police


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|Price incl. VAT
|£77.33 £62.90
|Price excl. VAT
|Extended warranty + 1 year £6.29 Extended warranty + 1 year
Relive your music experience to the fullest with wireless headphones Sony MDR-ZX550BNR. Just connect your Smartphone device using Sony NFC and Bluetooth to experience the undisturbed listening to your favorite music. Dynamic, large 30 mm speaker together with technology noise canceling care of absolutely pure sound without any unwanted ambient noise.
Thanks to several drivers mounted on the camera body and padded earcups provide their users wireless headphones maximum comfort . Remove noise, change the playing media, adjust the volume or even answer a call without using the phone. The equipment includes, among others, built-in microphone with which to sort out the problem without a phone call.
Battery type:
Lithium-ion 3.7V
Use the detachable micro USB cable
Approx 4.5 hours
Sony Corporation is a Japanese company founded in 1946. Its headquarters are in Tokyo. Though it started inconspicuously, selling transistor radios, they became one of the leading innovators in the postwar period, developing the CD and DVD, as well as the highly successful PlayStation line.
Though it occasionally struggled during periods of financial crisis and recession, the company always persisted, and today is one of the most prestigious brands worldwide, known for their innovative products in electronics, video games, and the entertainment industry.
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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Originally posted on Red's Army | Last updated 8/28/12
Boston loves Scal. Of course, we didn't always. People tend to forget that early on in Scal's tenure here, a lot of people hated him. But they were under some impression that him popping wide open 3′s as a result of being set up by Jason Kidd would continue without him when he joined a crappy team. People also tend to forget he was part of two losing seasons in Boston before the Kevin Garnett/Ray Allen trades that turned Scal into a loveable human victory cigar. Scal was never "terrible." Scal is a fundamentally sound player who does everything the right way… he just lacks the physical tools to execute a lot of the things he wants… or used to be able to do. But he does have a pretty solid knowledge of the game. It's why Doc would often stick Scal in the starting line up when KG went down because while he would never do a ton for you on the floor, he wasn't going to make stupid mistakes and he'd do everything he could to spring other players for open shots and play intense de
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The Russian connection: See all our coverage | Read about our investigation
Arizona Sheriff Joe Arpaio, who was accused by the Justice Department of presiding over a culture of anti-Latino discrimination in the Maricopa County Sheriff's Office last week, offers his take on what violating someone's civil rights looks like:
Likewise, the sheriff denied unlawfully targeting critics for arrest during political protests. "We don't go after anybody," he said. "Actually, they go after me. They're demonstrating in front of my building, calling me every kind of name. If you want to talk about civil-rights violations, what about that?"
Has a statement more symbolic of runaway right-wing victimhood ever been uttered? It's all there, the lack of empathy, the narrative of persecution, the ludicrous sense of self-pity, even the comically distorted understanding of the law. Naturally, the statement also actually helps confirm what Arpaio's critics are accusing him of—any sheriff thin skinned-enough to think it's illegal to call him a name is probably also enough of a megalomaniac to arrest people for criticizing him.
Just to reiterate though: This is a man whose most celebrated public gestures included forcing inmates to wear pink underwear so as to humiliate them. The Justice Department's report describes his office as systematically discriminating against Latinos as part of a crusade against illegal immigration, even at the cost of investigating serious crimes; running a jail where Latino inmates were punished by being denied basic services if they could not speak English; and retaliating against his critics using the powers of his office. But when it comes to himself, Arpaio sees name-calling as a violation of his civil rights.


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|344 sq. ft.
|Property type
|Minimum Stay
|7 nights
A great location for a holidaying couple with only a twenty minute drive to so many of the Riviera beaches, 'Le Studio' has recently been refurbished and was originally the annexe to the 18th Century Mas to which it is still attached. Tastefully and simply decorated with all the modern amenities that you might need on holiday.
A new fully equipped modern kitchen including electric oven, induction hob,extractor hood, microwave, dishwasher, fridge/freezer, washing machine, Nespresso machine, toaster, kettle and all the kitchen utensils you should need.
In the seating area is a small restored French farmhouse table, a comfy three seater sofa, a coffee table, television, DVD player and WIFI live box.
The bedroom which has a double bed (140cm x 200cm), a mirrored sliding wardrobe, and two bedside tables leads on to a bright en suite bathroom with its 170 x 75 cm walk in shower. Towels and bed linen are provided.
A smoke alarm and intruder alarm have both been installed in the apartment for your added security.
'Le Studio" has its own terrace with an Italian dining table for four and a stand alone barbecue. And, for your enjoyment, just a few paces away are a boules pitch and a table tennis table.
Secure spacious parking is available within the grounds of the Mas.
'Le Studio' is completely self contained and has it's own front door. It really is an 8 minute walk into the historic 17th century Valbonne village where you will find a different restaurant for every day of the week, a great Italian gelateria, a beautiful central square and bar, two boulangeries, a wonderful patissier, a superb cheese shop, a butcher, fishmonger, the most amazing greengrocer and a well stocked pharmacy, to name but a few!
If you love Golf we are in a perfect location as we are surrounded by golf courses, six within a 15 minute drive! And many more 10 - 15 minutes further away.
At 'Le Studio' you get the best of all worlds. A tranquil apartment and a sunny terrace, the vibrant (and sometimes noisy!) Valbonne village only a short walk away, the wonderful Riviera beaches within a twenty minute drive and the Alps the same distance in the opposite direction.
We have been living in Valbonne in the 17th Century Mas since moving from London in December 2012.
Tony Bloom purchased this apartment in 2012
The moment we saw the house we knew that we wanted to live in it and the close proximity to Valbonne village was an added bonus! You can't go wrong with the Côte D'Azur. And the weather!
The short walk to Valbonne village. The proximity to the Riviera beaches, the Alps, the forests, the numerous golf courses and to the shopping in Cannes and Nice.
Le Studio was an excellent choice for our holiday - it was exactly as described in the advert, beautifully presented and spotlessly clean on arrival. The welcome pack was a lovely touch. The owners were great and their input really enhanced our holiday experience. Valbonne was within easy walking distance of the property and was a beautiful village, with lots of great restaurants and shops. We would definitely recommend Le Studio to friends and family.
The property was amazing as was the setting it was in.
We had a wonderful time staying in Le Studio. The property itself is lovely; comfortable, private, pretty and with a kitchen equipped beyond our hopes and certianly our expectations. It's next door to the owners' house, and Tony and Jane were ever so friendly and welcoming, and advised us on things to do.
Valbonne is well-located, with plenty to do in easy striking distance. You can easily get to the cities and beaches of the Riviera - we hired a car, but there's a bus stop just outside on the main road. There are some fine mountains nearby and we enjoyed exploring the Verdon Gorge for a day. The nearby town, which you'll get to within ten minutes on foot, has enough restaurants that we dined in a different one each time we visited, and enjoyed all of them. It took us quite a few days of bustling happily around before it occurred that a day of doing very little might be pleasant, and lounging around at Le Studio was heavenly. There's a boules court / pitch / arena to use in the garden, too.
There's pretty well nothing we could suggest to improve our stay. Thanks very much to our hosts!
We booked Le Studio in Valbonne for our honeymoon purely because we liked the look of it, not really knowing the village or area, and wanted something quiet. We weren't disappointed! Provence and that part of France in general do not disappoint.
The accommodation was top notch and perfect for a couple needing peace and quiet. You're away from the main road, so it's peaceful, secluded and quiet. There's a great lavender-scented breakfast/dinner area; a BBQ, if you fancy it and a petanque (is that right?) area. The whole territory looks like it has been designed with some thought.
The house itself is very tastefully finished and spotless, the kitchen is fully equipped and I would say almost brand new in terms of decoration.
The owners, who live next door, and who are available if needs be for questions and discreet enough, if not, could not do enough to help. The "get to know your accommodation and surrounding area" information in the house was informative. A nice touch was the card and bottle of bubbly congratulating us on our recent wedding, and basic supplies in the fridge.
The wrong accommodation can help ruin a holiday, but fortunately, along with the wonderful scenery, proximity to the coast and its sandy beaches, delicious food and realistic 8-minute walk into the lovely little village of Valbonne, Le Studio helped make ours!
After being welcomed by our most cordial hosts Tony and Jayne, We found the accommodation to contain all the mod-cons and was sparkling clean. We were thrilled to find some fresh bread, cheese and a bottle of chilled wine, which really set the tone and kicked the holiday off in a special way. Had a great time Thank you Tony and Jayne.
We had a fantastic stay at La Studio. Tony and Jane were waiting for us after our long drive and greeted us very warmly from the start. They were there for us if we needed them but they were not intrusive at all. La Studio has every possible thing you could need from a holiday let and it was spotlessly clean. We felt at home straight away. The village of Valbonne with its quaint narrow streets and restaurants was typical of a French village. The restaurants were good value for money and about 8 mins walk from La Studio. The only downside was we were only there for a week. We would highly recommend this property.
Valbonne is set between the sea and the mountains so you have the best of both worlds within a 25 minute drive.
|Rental Period
|Minimum Price
|Additional Nights
|Weekend Night
|Event Price
My Standard Rate
7 night minimum stay
for 7 nights
|No additional mandatory fees
|Refundable Damage Deposit
|Stay tax
|£0.84 per night, per person. This amount will be due to the manager upon arrival. Does not apply to children under 18 years.


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|Half Baths
|2,600 sq. ft.
|Property type
|Minimum Stay
|7 nights
Welcome to the ultimate in large family luxury vacation homes, with peeks of the Gulf of Mexico from the balconies! This 6 bedroom/4.5 bath beauty features a large, private, tropically landscaped backyard with heated pool and hot tub, gas grill, swim up tiki, and covered tiki bar area with flat screen TV. Two Pina Coladas is west of Gulf Drive less than a block from Anna Maria's beautiful white sand beaches with no busy streets to cross! In addition to the superb backyard and proximity to the beach, this handsome Holmes Beach hideaway is just steps from the free island trolley. Inside Two Pina Coladas are 10' ceilings, granite counter-tops, stainless steel appliances, a large flat screen HDTV with DVD player, and wireless internet. There are 2 king bedrooms with en-suite bathrooms, 2 king bedrooms with a Jack and Jill bath in between them, 2 twin beds in the 5th bedroom, and a twin trundle in the 6th bedroom. Each bedroom has its own TV. Two Pina Coladas sleeps up to 12 people.
This property is professionally managed by Anna Maria Island Accommodations, located on the sunny and beautiful Anna Maria Island.
We rented this house for our semi-annual family vacation and were not disappointed. It's possibly our best week ever! Being our first time to a FL beach (previous rentals have been in Outer Banks) we were a little concerned about being too hot in June in FL but actually weather was perfect, not as humid as what we left behind in OH! the shaded back pool area was exceptional for the whole family, plenty of space for several different play areas. I can't deny it, the tiki bar was the favorite spot for most of the week. Kitchen had ample space for our crowd of 8 adults & 6 kids. The one glitch - not enough towels for bathrooms - was quickly remedied with a call to the very accommodating staff. The short walk to the beach on a quiet street was well worth it - great beach, and wonderful sunsets! We were close enough to shops & restaurants to walk, or a quick trip by car to the grocery. Very friendly area, we would definitely love to go back!
We rented this home for 7 days in March, 2015. 1 block from beautiful beach. Great private pool ----- elevator ----- nice bedrooms and kitchen/eating area. Our group was 13 in number--- 7 adults and 6 children. 2 laundrys and flat screen TVs in bed rooms, pool area and living room. Pictures with listing are accurate. Within walking distance of bars, restaurants, and stores. Lots of privacy around pool area with privacy fence and palm trees.
One Block to the Beach and no busy streets to cross.


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Affiliations: From the Department of Medicine, University of Maryland, Baltimore,
From the National Jewish Medical and Research Center, Denver,
From the UCSD Medical Center, San Diego,
From the 3M Pharmaceuticals, St. Paul, Minn.
1998 by the American College of Chest Physicians
Objective: To compare the bronchodilator effectiveness of albuterol reformulated in the chlorofluorocarbon-free propellant hydrofluoroalkane (HFA)134a (Proventil HFA) to that of Ventolin and HFA placebo over 12 weeks of regular dosing.
Design: Randomized, double-blind, double-dummy, parallel group, placebo-controlled, multicenter trial of asthmatics requiring inhaled β-adrenergic bronchodilators for symptom control.
Interventions: Treatment qid with Proventil HFA, Ventolin, or HFA-134a placebo for 12 weeks.
Measurements: At weeks 0, 4, 8, and 12, spirometry was performed predose and serially over 6 h after dosing with study drug. Bronchodilator efficacy variables, based on FEV1 response to study drug, were proportion of responders, time to onset of effect, peak percent change, time to peak effect, duration of effect, and area under the curve (AUC).
Results: Demographic and baseline characteristics were similar for patients randomized to Proventil HFA (193), Ventolin (186), and HFA-134a placebo (186). No significant differences were found between the Proventil HFA and Ventolin treatment groups for any FEV1 efficacy variable, either predose or during 6 h of serial spirometry, at weeks 0, 4, 8, and 12. For all efficacy variables, except time to onset of effect, the Proventil HFA and Ventolin results were significantly greater than placebo. Time to onset of effect for the HFA-134a placebo group is misleading; only 13 patients (7%) were found to be responders in the intent-to-treat database. These efficacy results were found to be consistent across subgroup analyses of inhaled and nasal corticosteroid use, age (18 to 35 and 36 to 66 years), sex, race, weight (<60, 60 to 100, and >100 kg), and baseline FEVl (≤55% and >55% predicted). The peak FEV1 effect, duration of FEV1 effect, and AUC for FEV1 were all significantly smaller at weeks 4, 8, and 12 than week 0 for both the Proventil HFA and Ventolin treatment groups.
Conclusions: Proventil HFA provided bronchodilation comparable to Ventolin and superior effects to HFA-134a placebo over 12 weeks of regular dosing. There was a diminution in bronchodilator response to both Proventil HFA and Ventolin after 4 weeks of use.
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I have been trying to avoid a knee jerk reaction to the console reveals. I jumped all over the PS4 reveal and looking back it was more self-serving Sony praise than an objective view. So I decided to wait some time after Microsoft's reveal and see how I felt about both reveals in hindsight. This will not be a direct comparison just a gamer's perspective away from the initial surge of emotions. DISCLAIMER: I went into Microsoft's conference neutral, but knowing they would have to blow me away for me to consider getting one at launch. At time of writing, I will not be but at time of press conference undecided.
Both consoles had their own presence and message. Regardless of how I feel about those messages, they came across quite bluntly IMO.
Both conferences left a lot of questions still on the table. That is expect since these were reveals and the biggest gaming centric Expo hasn't happened yet but at the reveal I feel that the big questions should be gotten out of the way: Pricing, release window, how the system looks, look at differences in predecessors, and support.
The fans, i.e. gamers and games journalists. This is where allegiances come out instead of objective looks at what was actually there. In my PS4 post after the reveal, I pointed out several instances in which I felt journalists showed their allegiance to Microsoft and was looking for nitpicky things to bash. Sessler's comment that he didn't believe a developer saying that their suggestion made it in the design and Angry Joe's laughing at Diablo III readily come to mind. Turn around this reveal and people are SEEMINGLY given MS a pass until E3. Like it or not allegiances come through and detract from what the companies showed (fully aware I was guilty of it too).
Awaiting the Sony reveal, I was looking for something to latch on to to justify me getting one. All I needed was one thing, to be honest. That thing could have been anything, I wasn't picky just needed something to get my fanboy hackles up and have something to champion. What Sony gave me was: hope that ports wouldn't be worse than rival consoles counterpart, inFamous: Second Son, Diablo III, a Killzone that looked like something I would play, and increased the focus on getting games faster and easier. I have to admit, it was more than I could have dreamed. I happily tweeted: Your move, Microsoft.
And when Microsoft made its move? I actually laughed at the name. I don't know why but the name seems stupid to me, not that the name actually matters. As the press conference went on, I found myself looking for ways to tear it down. I honestly don't watch TV anymore if an NBA game isn't on, so the focus on television did nothing for me. The instant switching between apps and functionality, while cool, isn't practical for my use. I don't want to watch a trailer while watching a movie, I do not have a skype, and I don't play fantasy sports. However, as they droned on about these features, I found myself thinking: these friends would really like this. Then they got into the games. EA Sports: some kind of partnership with MS was announced. New Forza and a new game from Remedy. Lastly, Call of Duty. In order, I don't play sports games but I know of their wide appeal and expect this is a big deal to alot of people. I don't care about any racing game (haven't played one since NFS about years ago on PS3, before that was on the original PS) but I know they are a big deal to some. I honestly have no idea what Quantum Break is. I and most of the people I regularly play with, am tired of Call of Duty. I am going to try Battlefield 4 to see if that is any different but I know how big CoD is. The original Modern Warfare was the first game I ever bought for my PS3.
And it was these realizations that caught my attention. Sony came out with games and that is what I care about most in my gaming system. Not only that but they showed one game I have an affinity for and a PC game I want to get into. Microsoft, conversely, came out with extras on their system that weren't for me at all. However, they mentioned 15 exclusives consisting of 8 new IPs. I know from that the the 7 existing franchises aren't for me, and out of the 8 left: anything Kinect isn't for me. The thing I keep going back to, however, is the extra features. I know my girlfriend would love to just say Lifetime Movie Network and instantly watch it. I know my best friend has already said (prior to MS conference) that if he could just say "Play [insert game name]" he would buy that console. Therein lies the difference IMO. MS is going for someone other than the core and Sony is focusing exclusively on the core. Which will pan out? I think the one with the fewest drawbacks but that's a post for a different day.


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At fair, youths reap rewards of raising farm animals
Months of work paid off Friday at the Ventura County Fair, where young owners of farm animals earned up to $800 for the grand champion turkey and $25 a pound for the 1,342-pound grand champion steer at the junior livestock auction.
Earl Holder, owner of T&T Trucking and Crane, put in the winning bid of $33,550 for the grand champion steer because he said it is a great way to support youths in the community.
Holder, of Ojai, said he has been buying animals raised by young members of 4-H, FFA and Junior Grange clubs since the 1970s. He said he would give the steer back to owner Breanna Berrington of the Fillmore FFA.
"That's what I do. I give them back to the owners or to FOOD Share, and they can use the money for college," Holder said. "It's a lot of fun."
Gabrielle Jones, 13, of Simi Valley, earned $800 for her grand champion turkey, one of seven she has raised since March.
"She was a free-range turkey and got a lot of exercise. You can see the quality of bird she is," Gabrielle said of the bird she calls Giving, which is paired with a bird called Thanks that a friend of hers was raising.
Bonnie Weigel, chief executive officer of FOOD Share, said the organization received about 38,000 pounds of meat last year from the sale, which is the culmination of the youths' livestock projects.
Wood-Claeyssens, a local nonprofit that has its origins in the Taylor ranch property just north of Ventura, makes sure all of the animals are bought, pays for the butchering and gives the meat to FOOD Share.
Weigel said the more than 150 member pantries that FOOD Share supports provide food for more than 73,000 people a month throughout Ventura County. Meat from the junior livestock auction is distributed through FOOD Share's network, and Weigel said it is welcomed by the recipients.
"When money's tight, meat is one of the first things that comes off the list," Weigel said, adding that the junior livestock programs allow young people to raise money for their educations by working hard. "I think the agricultural community does a good job promoting the understanding of our food systems."
This year brought the largest number of animals for sale, 595, which Weigel said seems to be a trend among young people who are reviving what was once a very popular event.
"These kids are more connected to their food and the land," she said. "People want to be part of the environment."
Chloe Stines, 13, of Fillmore, a member of the Bardsdale 4-H Club, was kissing her 1,249-pound steer Blackjack as she prepared him for the auction.
"This is my fourth year doing this. I do it for the experience and to get to know people. The money will go into my college fund," Chloe said as she petted the black animal. "I love him. He's my baby."
Mom Cindy Stines said she supports the program.
"It's a really good education for the kids. It keeps them busy, and they enjoy and love it," Stines said, adding that they bought the steer from a Ventura County breeder so they also could compete in the county bred-and-fed competition.
Amanda Condon, 17, of Camarillo, keeps her Hampshire-Suffolk sheep at Camarillo High School as part of the Camarillo FFA program.
"There are 27 lambs at the school," Condon said. "I'm saving the money for college, with a little going to school supplies and some set aside to buy the next animal."
Follow reporter Tom Kisken's Ventura County Fair Tumblr
See the comprehensive schedule of Ventura County Fair events under the "VC Fair" on our smartphone and tablet apps. Click to download our apps on your mobile device.


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To the French, the dramatic fall from grace of presidential hopeful Dominique Strauss-Kahn on charges of sexually assaulting a New York hotel maid was "the affair of the century". They heard the story, read the book, followed the legal machinations, and now they can watch the film – due to be released straight to the internet.
Three years on, the sordid affair involving the ex-IMF chief is to resurface in a movie, Welcome to New York, starring Gérard Depardieu, released this month in the middle of the Cannes film festival.
The timing is deliberate. The film failed to find funding in France after, producers say, the politician's supporters closed ranks, and did not make it on to the official festival selections. Now it will bypass cinemas and DVDS and be released to the public for €7 via VOD (video on demand).
Directed by American Abel Ferrara – best known for The Driller Killer, Ms. 45, King of New York, Bad Lieutenant and The Funeral – the film focuses on the arrest of Strauss-Kahn in New York in May 2011 and his indictment for allegedly attacking a Guinean chambermaid Nafissatou Diallo. After a long investigation, the charges were dropped amid questions about Diallo's credibility and evidence which prosecutors said left reasonable doubt.
Although names have been changed in the film – DSK has become Monsieur Devereauxand Anne Sinclair, his heiress wife, played by Jacqueline Bisset, is called Simone – the former politician's lawyers are on standby to launch legal action. The affair dashed Strauss-Kahn's hopes of being the Socialist candidate in France's 2012 presidential election – later won by François Hollande – and opened the floodgates to a series of legal cases. An investigation, still ongoing, was launched into his alleged involvement in a prostitution ring and sex parties at hotels in Lille, Paris and Washington.
Depardieu, who is reportedly living as a French tax exile in Russia, has made no secret he does not like Strauss-Kahn, but said the film was not a biopic of the former politician. "It's a story of power, solitude and decadence," he told journalists.
"Even in his worst nightmares, Dominique Strauss-Kahn could not have imagined such a scenario," wrote Le Nouvel Observateur.


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Der Feinschmecker magazine
In its 2014 issue, Der Feinschmecker recommended the "d/\blju 'W'" restaurant.
Gusto magazine
In its 2014 issue, Gusto magazine recommended the "d/\blju 'W'" with 6 pans and a candidate arrow (6↑) as one of the best 800 restaurants in Germany.
Restaurant Ranglisten
The Restaurant Ranglisten awarded the "d/\blju 'W'" restaurant with a rating of "good" for its cuisine. It is therefore one of the best 2,500 restaurants in the world.
San Pellegrino
San Pellegrino rated the "d/\blju 'W'" restaurant as one of the best restaurants in Germany in
Diners Club magazine
Diners Club magazine Germany recommended our "d/\blju 'W'" restaurant in 2012/2013.


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Advert Description
Forget spinners, wood grain, candy paint, and crackin' the trunk-this is the only Lowrider you'll ever really need. But these ain't no hooptie headphones.
The Lowrider features 40mm drivers for head-nodding bass, and a folding design with DJ-style articulating earcups for easy stashability-not to mention comfort for days.
You can even use 'em as monitoring headphones in a pinch. Select colors include a built-in Mic1 control switch to help you stay on that hustle everywhere you go.
Collect or can be sent out signed for.


text:
105,021pages onAdd New Page
this wiki
this wiki
Glutton is a level 37 elite abomination mini-boss found in Razorfen Downs, created from the remains of Tartek the Enraged. He is a powerful melee fighter and repeatedly enrages with the emote "Glutton is getting hungry!" during the fight, attacking even harder.
Glutton patrols the lower tier of Spiral of Thorns, and can be pulled without any adds if you wait for him to wander to an opportune place.
- Aggro
- Me smell stench of the living!


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Included with your purchase:
- Lifetime Warranty
- 30 Day Return Policy
Certified Appraisal
Diamond Certificate
Free FedEx 2 Day Domestic Shipping
Luxury Gift Box
Basic Information
|Stock number:
|Metal Type:
|14k White Gold
|10mm at its Largest Point
|Appraisal Value:
|Setting type:
|Pave & Prong
Diamond Information
|Diamond Carat:
|2.70ct Total, 1.50ct Solitaire, 1.20ct Surrounding
|Diamond Clarity:
|AAA Solitaire, SI-1 - SI-2 Surrounding
|Diamond Color:
|Black Solitaire, G Surrounding
|Diamond Cut:
|Very Good Solitaire, Very Good Surrounding
|Diamond Shape:
|Round Solitaire, Round Surrounding
Product Details
A magnificent 1.50ct black round diamond is set atop this ring. Surrounding it are 1.20cts of round prong and pave set diamonds. It's made in 14k white gold and it has a 10mm width at its largest point. We offer a risk free 30 - day return policy with this magnificent item. It's detailed in our return policy page which can be accessed by clicking the link at the bottom of the page. Accompanying the ring is full independent gemological laboratory UGL diamond certificate as well as a separate Front Jewelers store appraisal. Both state its characteristics and reflect its appraisal value of $4,195. Please feel free to ask any questions by emailing us at email@example.com or by giving us a call Monday through Friday 10am - 5pm eastern time.
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Deaths of Canadian aboriginals met with indifference, families say
By Sebastien Malo
NEW YORK (Thomson Reuters Foundation) - Ever since Melina Laboucan-Massimo learned her sister was found dead after falling 31 stories from a Toronto building under suspicious circumstances, she has awakened every morning at 4:50 a.m., the time the death occurred.
"It's something I can't stop," she said. "It's trauma. It just continues."
The death of Bella Laboucan-McLean, which remains unsolved, has driven her sister to speak up for Canadians grieving and questioning the disproportionate number of aboriginal women murdered or missing.
The spate of deaths and disappearances has received heightened attention since Prime Minister Justin Trudeau launched an inquiry, a measure opposed by his predecessor.
It was the summer of 2013 when Laboucan's family, who are Lubicon Cree from Northern Alberta, sought answers from police.
Investigators told them the 25-year-old's death must have involved drug abuse, a theory about the young college graduate the family rejected.
"She was not a drug user," Laboucan-Massimo said.
Drug use was only disproved, however, after the family insisted on full toxicology testing and had to wait some two years. Continued...


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Stars Flock to the 2013 SAG Awards: Watch the Red Carpet Live Stream Here!
Spirits are high tonight (January 27) as celebrities begin pouring into the Shrine Exposition Center in Los Angeles for the 2013 Screen Actors Guild Awards.
Before the winners are announced, Hollywood's hottest stars from film and television walked the red carpet to show off their gorgeous gowns and dapper tuxes.
Jessica Chastain and Jennifer Lawrence are both expected to attend, as the two lovely ladies compete for the Best Actress Award. Other celebrity guests include Bradley Cooper, Hugh Jackman, and Anne Hathaway.
While there are all kinds of awards shows this time of year, the SAG Awards is the only event in which the winners are selected solely by their peers, making the trophies especially meaningful.
The nominees for Outstanding Performance by a Cast in a Motion Picture include "Argo," "The Best Exotic Marigold Hotel," "Les Miserables," "Lincoln," and "Silver Linings Playbook."
Check out the live-stream straight from the red carpet below:


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Southern California High Tech Event Calendar
|View By:
|View By:
|Funding Life Sciences 2004: The Brave New World
|Date: July 20, 2004
|Location:Costa Mesa
|"Funding Life Sciences 2004: The Brave New World" Life Sciences Industry Council (LINC) & Orange Coast Venture Group joint breakfast program. Half of all the venture capital dollars invested in OC-based companies last year went into the healthcare sector. There has also been a noticeable acceleration in successful exits for healthcare companies via acquisitions and IPOs. What are the key factors driving the growth and success of SoCal healthcare companies? What are today's best funding and liquidity strategies for venture and post-venture stage healthcare companies? Featuring Chuck Adams, Morgan Stanley Healthcare Investment Banking Group; Jay Hagan, AMGEN Inc.; Kevin O'Boyle, NuVasive, Inc.; Charles Warden, Versant Ventures; Moderator Bob Hovee, OCVG and LINC. See http://www.ocvg.com
|More information: http://www.ocvg.com
|Download to Calendar


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Côte d'Ivoire
Last updated in March 2016
Political relations
Germany and Côte d'Ivoire have traditionally enjoyed friendly relations, as evidenced by Ivorian President Ouattara's visit to Berlin in January 2013. Germany is held in high regard in Côte d'Ivoire and is assisting the country, both bilaterally and through the European Union, in its stabilisation and reconstruction process.
Economic relations
Côte d'Ivoire is stepping up its efforts to intensify economic relations with Germany. So far, these efforts have borne only modest fruit. In recent years, Economically, Côte d'Ivoire is mainly of significance as the globally most important supplier of cocoa to Germany's cocoa-processing industry.
In 2014, Germany exported to Côte d'Ivoire goods worth EUR 154.5 million. German imports from Côte d'Ivoire, mainly raw cocoa, were worth EUR 921.6 million.
Development cooperation
Since the end of the crisis in April 2011, bilateral development cooperation has been stepped up. For 2014, Côte d'Ivoire was pledged EUR 51 million in funding. This is being used in the energy sector (power supply) and is designed to promote the development of nature conservation and economic areas in the Tai and Comoé National Parks and their catchment areas. For 2015 and 2016, Germany has pledged EUR 20 million to develop the country's health care system. Germany and Côte d'Ivoire have been cooperating on environmental protection since 1993.
Cultural relations
There are some 200,000 people learning German in Côte d'Ivoire and around 1,500 German teachers. The universities in Abidjan and Bouaké have large German departments with more than 1,000 students. There is a Goethe Institute in Abidjan that features prominently in the city's cultural life. A German Academic Exchange Service (DAAD) branch office takes care of academic exchange. There is also a very lively town twinning arrangement between Reutlingen and Bouaké.


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Download mrs henderson presents soundtrack full file xCns free
--Publisher's Description--
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Mrs Henderson Presents is a 2005 British comedy film written by American playwright Martin Sherman and directed by Stephen Frears. It stars Judi Dench, Bob Hoskins ...Directed by Stephen Frears. With Judi Dench, Bob Hoskins, Will Young, Christopher Guest. Laura Henderson buys an old London theater and opens it up as the Windmill, …Mrs. Laura Henderson may be a widow but she is by no means going to spend the rest her days playing bridge. The Windmill Theater becomes her game and the infamous ...THE WORLD PREMIERE of. Mrs Henderson Presents. book and direction by Terry Johnson, Lyrics by Don Black, music by George Fenton and Simon Chamberlain,It's been announced that Theatre Royal Bath will be the location for the world premiere of Mrs Henderson Presents, a new musical based on the 2005 film starring Judi ...3/14/2009 · This is some pictures of the real Windmill Theatre girls. There was a movie about the Windmill Theatre called "Mrs. Henderson Presents". The Windmill was a ...Florence Agnes Henderson (born February 14, 1934) is an American actress and singer. She is best known for her role as Carol Brady on the ABC sitcom The Brady Bunch ...Everyone loves Mrs. Piggle-Wiggle. Mrs. Piggle-Wiggle lives in an upside-down house ans smells like cookies. She was even married to a pirate once.Lady Henderson präsentiert (Originaltitel Mrs. Henderson Presents) ist eine Filmkomödie des britischen Regisseurs Stephen Frears über das Music Hall / …Hi, my name is Nancy Piper and I am the host for Stark County, Illinois. On these pages you will find the information pertaining to the history of StarkCounty.
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Sometimes — when looking to encapsulate a foundation from which to mount an argument — it is necessary to look afield, and to share common thoughts; tonight's post does precisely that, and Jeff Nyquist's excellent article is one we will return to and discuss.
In ensuring I keep abreast with everything in the world I want to, I find that I read copious volumes of other people's opinion pieces, essays and dissertations, in addition to following the raw flow of news, tonight I refer to a piece a read a couple of years ago by American author, columnist and scholar Jeff Nyquist.
To be clear, I certainly do not believe everything I read, and I disagree with Nyquist as often as I concur with him; even so, when he nails an issue he tends not to miss, and so it is with the piece I have linked to this evening.
Over the coming weeks, I intend to intersperse the comment pieces I have been publishing with other articles written from a more purely conservative philosophical bent; I do believe that all is not well in Western societies — Australia included — and whilst shrill generalisation is not the intention, it does seem that many of these problems emanate from the Left of the political spectrum and, indeed, could be characterised as the flows at the end of the tributaries of the "River Communism."
With the strong caveat that I don't agree with everything in this article (and to the extent that I do agree with some elements of it, that agreement is qualified), I would urge all of my readers to click the link and read the article I have reposted here.
And to think about it; to discuss it with family, friends and colleagues; indeed, share it: even if you disagree in the strongest terms with the substance of the Nyquist argument, forward the link to those around you with whom you discuss issues of substance, and see what they think.
And send me comments: there will be articles arising from the general ideas that are covered by Nyquist and — as always — all views, assenting, dissenting or otherwise — are encouraged and welcomed.
Please click the link below and read the attached article. I think the issues covered are important, and that it is high time to nudge social debate back onto a more meaningful footing. I look forward to hearing what people think.
And with that, over to J.R. Nyquist…
Poisonous Ideas | JR Nyquist | FINANCIAL SENSE.


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UPDATE 3-No classwide damages in U.S. sports blackout case, court rules
(Adds details of decision on damages, comment from New York Yankees' lawyer)
By Jonathan Stempel
NEW YORK May 14 (Reuters) - A federal judge said sports fans accusing Major League Baseball, the National Hockey League and broadcasters of illegally restricting their ability to watch their favorite teams on TV cannot pursue damages as a class.
U.S. District Judge Shira Scheindlin in Manhattan on Thursday also said fans could still pursue class action claims that the defendants committed antitrust violations.
But the judge's decisions reduce the financial exposure of professional sports leagues, teams and broadcasters in the high-stakes legal battle over how to broadcast sports programming, and how much to charge.
The leagues, Comcast Corp, DirecTV, regional network operators such as Madison Square Garden Co and YES, and teams including the New York Yankees were accused in two lawsuits of using blackouts to limit broadcasts of games outside teams' home markets.
Fans said this drove up prices by forcing them to buy costly packages that bundled games they did not care about, rather than paying less to watch games "a la carte" - for example, if an Iowa resident wanted to watch the Yankees.
Ned Diver, a lawyer for the plaintiffs, did not immediately respond to requests for comment.
In two decisions totaling 128 pages, Scheindlin said baseball and hockey fans could sue as a group to address the "dearth of choice" they now face. Continued...


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Exchangeable-Tip Drills Explained
These tools occupy a middle ground between the precision of solid carbide and the flexibility of indexable inserts.
This diagram depicts the tip interface of one of the more recently unveiled exchangeable-tip drills: Sandvik Coromant's Corodrill 870. A webcast produced by the company provides an overview of some of the product's most notable features.
The exchangeable-tip drill has earned its place as one of the top three drill types recommended for most common hole-making applications. However, as a relatively recent entry to the field that fills a middle, sometimes overlapping ground between the other two models, this design could potentially be underutilized. This article provides a basic overview of where exchangeable tips fit in vis-a-vis their solid carbide and indexable insert cousins.