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Join Date: Jan 2013
Posts: 18Rewards Points: 18
Heil Condensation leak from secondary heat exchanger???
Hi all, I am really hoping someone can help me here as I am sort of running out of options.
I have a 10 year old 90+ Heil furnace in my basement that has been leaking condensation for a few weeks now. I'll try to give as much information as possible so apologies in advance for the long post.
The furnace itself is of the N9Mp1 variety and it is installed "upflow" very similar to Figure 11 in this PDF but with the condensate trap installed outside the unit on the left hand side.
This problem started about 3 weeks ago when I noticed water on the floor of the basement. Removing the top cover revealed the black transition box was leaking. I ordered a replacement which came with a soft foam gasket in between it and the exhaust blower. If you look at the exploded diagram in the above PDF these are items "P" and "Q" in the picture.
After I replaced those I put the furnace back together and that has solved the leak there. HOWEVER two new leak have appeared which I am currently dealing with.
The first is from the black 5/8" OD 1/2" ID rubber tube running from the Exhaust pipe connector to the condensate trap. This tube is seized and badly cracked so water is leaking out of there, not a lot, maybe 5-10 milliliters every 2 hours or so, but definitely enough that it's a problem.
To fix this I have ordered a new hose which I'm waiting on to arrive.
The big problem which I've no solution for is that water seems to be seeping out from underneath the metal enclosing the secondary heat exchanger. Again, not a lot but enough that it's a problem and I've no idea where this is coming from.
Things I've done:
- I can't touch the 5/8" hose as it'll crack if I breath on it but I've taken off the other hoses, the 1/2" "elbow" and the smaller 3/16" tube and made sure these are clear.
- I've taken upper caps off the condensate and tried to clean this out with a very small (1cm diameter) bristle type pipe cleaner brush. Nothing much came out.
- I've poured a few oz of Draino into the condensate trap and let it sit for about 20mins. Then I flushed it with warm water from the kettle (not boiling). I was able to pour a constant stream of water from the kettle into the condensate trap using a small funnel and it drained away no problem.
This morning I took the cover off whilst the furnace was running and noticed water under the metal partition behind the transition box. Whilst the unit was running I noticed this water seems to "wisp" in and out almost like something was sucking on it from behind the partition but then losing suction and the water flows back towards me. I think this suction is caused by the Exhaust blower (item #11 from page 60 in the above PDF).
Couple of questions:
- Why does the manual say to "prime" the condensate trap with 8oz of water? It looks like this is just a plastic box but the fact that they suggest priming it indicates there's some kind of seal inside that needs to be wetted in order to maybe created a pressurised loop of some kind.
- The system still needs a new hose. Is it possible it's relying on pressure to pump the water to the trap and as a result of the cracked hose the water is not making it to the condensate trap?
- Is this water actually produced in the secondary heat exchanger area or is it produced in the transition box and somehow finding its way back from the transition box into that area?
- One theory I had was it's produced in the transition box and not draining out of it sufficiently fast. Then backing up into the row of circular holes in the secondary heat exchanger which the transition box covers and finally leaking down from the cover.
- Should the bottom of the metal partition between the secondary heat exchanger and the transition box be air-tight with the floor of the top part of the furnace? It currently is not and this is where I saw the water wisping in and out.
- The Exhaust blower runs AFTER the gas burners turn off. Then after a few seconds the gas blowers will turn back on and burn more. I think this is not supposed to happen but am assuming for now it's related to this leak I have.
Again, apologies for the long message. I have attached some photos to clarify some of this.
Meanwhile any and all help is GREATLY appreciated. I have been unable to locate anyone who'll touch this thing with a long stick and have been losing sleep on it for a long time now.
I would really love to just open the door some day and find the unit to be bone dry. Help me get there DIYers!!!
Join Date: Nov 2011
Location: Hartfield VA
Posts: 34,587Rewards Points: 14,306
Any hardware store, Box store, auto supply will stock that hose and sell it by the ft.
Never use any form of drain clean in a condinsate drain!!
Use bleachand water instead. The water may be to fill the trap in the line.
The lines form algee inside of them and the bleach will kill it.
Join Date: Oct 2012
Location: Maryland
Posts: 3,726Rewards Points: 2,210
Did you use new longer screws at the location shown in the attached Picture? Looks like you punctured the box. That bar should just attach to the box lugs. After you change the gasket, gun butyl into those holes and reinstall the screws with a rubber washer on them. Should work. You could also go down to the auto parts store and get some cork gasket material, That should work well with the sealant also
I would not use a foam rubber gasket (These are bad news) I Know, why do they supply them in the first place? To seal anything. They dont work. Use a non hardening Butyl sealant on very clean surfaces. Clean with alcohol. To be honest, the stuff I see in your photo at the edge of the box looks to be some sort of fabric, like fiberglass or polyester, and not foam rubber at all.
Replace all hoses with Gates Radiator, or Vacuum hose as appropriate, and use all stainless breeze clamps.
Remove the trap and clean it properly, and never never never use draino on anything, not even plumbing.
It is pretty clear from your photos that you have had a leak in the collector box for a long long time, judging by the corrosion that is visible there. That ill designed gasket is the culprit IMO Use Cork. Hint. If you have a copy machine or scanner, place the box back down on the scanner. Scan, There is your template for your cork gasket.
You have to prime the trap to prevent loss of draft which can trip the pressure switch.
" Most people would rather die than think, and most do " Bertrand Russell
Last edited by jagans; 01-11-2013 at 11:31 AM.
Join Date: Jan 2013
Posts: 18Rewards Points: 18
Hi guys, thanks for the replies.
To answer your questions: I used 2" self-tapping sheet metal screws, an exact match to what was in there already. I don't think I punctured anything.
When you say "punctured the box" which box do you mean?
And what bar are you referring to? If you can clarify there I'll take a look.
I should clarify, the black transition box came as a single sealed unit. The screws were 2" and help attach the transition box to the plate that covers the secondary heat exchanger. There is a gasket in between the transition box and the sheet metal but this is not leaking.
There is no water coming from the new transition box or from the exhaust blower. It's coming from behind the sheet metal (which I never removed).
It's hard to tell from the pictures but only the crevice between the metal is wet, the top of the metal is bone dry.
Thanks again, really hoping I can get this solved.
Join Date: Oct 2012
Location: Maryland
Posts: 3,726Rewards Points: 2,210
If you look close at the screw head where I circled it in yellow, it is fairly apparent that water is leaking at that screw.
It is not unusual for HVAC equipment to be designed or manufactured without proper attention to waterproofing of the unit. I have seen this on $20,000 + Commercial rooftop units, and have solved problems in many of them that caused extensive leaking into commercial buildings.
It is hard to get by the fact that the HVAC mfgr would mess this aspect up, but it happens all the time. It sounds like the MFGR might have missed a seal between the flange of the secondary heat exchanger, and the back face of the cabinet. The key is to beleive it when you see it, not say "naaaaa they couldnt have done that"
Ill look at the manual you posted and see if anything jums out at me.
" Most people would rather die than think, and most do " Bertrand Russell
Join Date: Oct 2012
Location: Maryland
Posts: 3,726Rewards Points: 2,210
Can you post a few more photos, wide view especially? Your condensate lines do not appear to be configured like the manual you posted. Where is your trap, How is your drainage configured etc. etc. Most of the illustrations show the trap centered and low. I cant even see where yours is.
" Most people would rather die than think, and most do " Bertrand Russell
Join Date: Oct 2009
Location: Nebraska
Posts: 2,362Rewards Points: 1,000
Take the blower out and look for leaks in the secondary heat exchanger. It will be white spots from the acids in the condensation.
Join Date: Jan 2013
Posts: 18Rewards Points: 18
Thanks Jagans. I am attaching a wider shot. Hopefully you can see everything's routed as it should be.
I found some hose but it's much heavier duty but I stuck it in there anyway. It's the one in Red on the left.
The manual I linked to is not the exact match for my model but I know that the setup (Upflow with trap on the left) is legit and it seems to be fine. It's worked for 10 years don't forget
Also, I tested a bit and it seems this system is relying on pressure from the exhaust blower. E.g. if I disconnect the small 3/16 hose going from the trap to the pressure switch everything shuts off immediately. Similarly, if I disconnect the other 3/16" hose which runs from the top right of the transition box to the trap there is suction from the transition box. This makes me thing the blower actually sucks water into the trap by applying negative pressure via this small hose.
Could that be right? And could it be that my cracked hose was causing a lack of pressure, leading to all these leaks?
Join Date: Oct 2012
Location: Maryland
Posts: 3,726Rewards Points: 2,210
Honest answers now.
In the 10 years since you have owned this furnace have you ever cleaned out the trap and condensate lines with bleach and hot water?
And, is this the first time in 10 years you have had any trouble with the furnace?
Also, you are dead right. If the furnace has worked fine for 10 years it is set up right. I think the issue has been lack of maintenance, but dont feel bad, almost everyone does the same thing. We just expect them to work, and dont get into How they work till there is no heat, or there is water all over the floor.
Frankly, I really like the engineering in the Heil Furnaces, they are laid out very nicely. The only drawback is the quality of some of the components, but Im not sure if any of the manufacturers use USA made motors anymore, and all the boards are made in Taiwan or China.
Am I to understand that you replaced the entire large black panel behind the inducer fan?
" Most people would rather die than think, and most do " Bertrand Russell
Last edited by jagans; 01-11-2013 at 06:58 PM.
Join Date: Jan 2013
Posts: 18Rewards Points: 18
Never cleaned out the lines or the trap with anything. Just draino 1-time the other night and I won't be doing that again
Last year the furnace leaked when the old transition box (the black plastic box in these pictures) leaked. That time I took it off and found a crack that had developed along where the two parts of it come together. I sealed up the crack with some marine-grade adhesive from the big box store.
It's always run ok but it's probably been leaking a good while without me even noticing.
Last answer, it's never been serviced in 10 years. Definitely shame on me there my wife got stage IV cancer some 5 years back so that was a major "distraction" you could say. (she's fine now but it definitely rocked our world). Anyway, back on topic...should I throw a bit of bleach in the trap? The lines themselves seem clear and everything *seems* to be flowing ok, except for the leak.
Last edited by heilProblems; 01-11-2013 at 06:54 PM.
Join Date: Jan 2013
Posts: 18Rewards Points: 18
"Am I to understand that you replaced the entire large black panel behind the inducer fan?"
Yes. I'm calling that the "transition box" or "transition assembly" as it's referred to in the manual. The one in the pictures you see is brand new and it's not leaking at all. The water is coming from behind the metal panel that the black box is attached to.
It's seeping out the bottom where the metal panel covering the secondary heat exchanger meets the top of the lower box.
Join Date: Oct 2012
Location: Maryland
Posts: 3,726Rewards Points: 2,210
First of all, I am very sorry for what you had to go through, and I am happy that your wife is OK, and yes, a damn furnace would be the last thing on my mind too.
I lost my beautiful oldest daughter at 33 years old two years ago this May, and my wife and I have resolved ourselves to the fact that we will never get past that, we just kind of exist until its our turn, if you know what I mean. I guess we all have our crosses, but this one is really heavy.
Well, as you say back on topic.
Plasticizers leeches out of PVC lines slowly and serve as a food source for mold. I have found horrible black mold problems in evaporator pans which, in an effort at continually cheapening HVAC components are made of plastic. Non chlorinated plastic.
This mold can literally clog off a 1 inch diameter line in short order. Chlorine Bleach in soapy water takes care of it. You can disconnect that red hose up top, put a big funnel in there, and pour a gallon or so down there and into a bucket. You will be surprised what comes out.
As far as the leak goes, try this first. Back out those screws that I circled all along the bottom of the black plastic box. Gun polysulfide sealant into each hole, coat screw and reinstall. See what happens. I have a sneaking suspicion those screws are the source of your leak. Polysulfide works in water.
I now use CPVC whenever I install a condensate drain. CPVC= Chlorinated Poly Vinyl Chloride. Key word Chlorinated.
" Most people would rather die than think, and most do " Bertrand Russell
Join Date: Jan 2013
Posts: 18Rewards Points: 18
Sorry to bring up such bad memories. I can't imagine how tough that must've been. My wife was 32 when diagnosed w/colon cancer (they don't screen until 50). My heart goes out to you and your family. We have been very lucky despite the struggle of surgery, chemo, radiation etc. My wife now volunteers for the Cancer Hope Network to help other newly diagnosed patients get to grips with things. Everyone has a story and I really wish you and your family peace. Again, apologies, didn't mean to turn the conversation.
I will definitely try what you mentioned. I'm going to tackle this beast fresh tomorrow and will start with the bleach flush and see what pops out. Regarding the sealant, does "Life Caulk" fit the bill? http://store.mccrv.com/mediacamp/det...p?ITEM=2011034
Again, thanks for all your help. It's been really hard to find folks who know what they're talking about with these machines. Really appreciate it.
Join Date: Oct 2012
Location: Maryland
Posts: 3,726Rewards Points: 2,210
No Worries, You did not bring anything up. Its never out of my mind. God Bless your wife and her work. I lost my Brother in law at 58 to Colon Cancer. That damn cancer is tough to beat.
Trying to help on these forums is a welcome distraction for me. The reason I recommend polysulfide in this application is that it works in water. If you can shut her down and get her dry, you can use silicone or urethane. Ill take a look at life caulk and get back to you.
Yup thats the stuff. Boatlife.
" Most people would rather die than think, and most do " Bertrand Russell
Join Date: Oct 2012
Location: Maryland
Posts: 3,726Rewards Points: 2,210
Put rubber washers under the Hex Washer head screws after you inject the sealant.
" Most people would rather die than think, and most do " Bertrand Russell
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The W. Fork Dairy Creek Bridge is located on U.S. 26 (Sunset Highway) at milepost 46.3, approximately one mile east of OR 47/Staley's Junction in rural Washington County. This 1930s-era bridge is an old timber structure and in poor condition. An ODOT contractor completed work in October 2013 on replacing this structure. The new bridge is constructed of concrete and is 100 feet long and 47 feet wide, which is 11 feet longer and slightly wider than the former bridge.
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WOOSTER -- Stanley James Carmean, 85, of Wooster, passed away Wednesday, March 12, 2014, at The Ohio State University Ross Heart Hospital in Columbus.
He was born July 27, 1928, in Ada, the son of Stanley Guy and Olive Kephart Carmean, and married Shirley Best on Dec. 19, 1954. She survives.
He graduated from The Ohio State Highway Patrol Academy 30th graduating class in 1950, and retired as a staff lieutenant from the Ohio Highway Patrol in 1980, after 30 years. Stanley had served as Post Commander in Wooster and a staff lieutenant at general headquarters in Columbus.
He was a member of Wooster United Methodist Church, the Veterans of Foreign Wars, was a life member of the American Legion, and the U.S. Navy's First Operational Helicopter Squadron HU-1, when serving his country on active duty with the U.S. Navy from 1951-55 during the Korean War. He loved to read history books, especially Civil War books.
Stanley loved bicycling and took 100-mile bicycle rides (TOSRV), was a ham radio operator, and enjoyed bird watching. He had several bird feeders and fed the squirrels, making them work for their food.
He was dearly loved and will be missed by his family.
Surviving in addition to his wife, are children, Sam (Jane Stevenson) Carmean and Matt Carmean, both of Columbus, Rich (Cindy Kristof) Carmean of Munroe Falls and Margaret (Freddie) Westphal of North Carolina; grandchildren, Jennie (Adam) Yoder, James (Stephanie) Carmean, Marta Csejtey and Scout Westphal; a great-grandson, Jayden Wilson; and a brother, Vaughn (Della) Carmean of Fort Wayne, Ind.
Stanley was preceded in death by his parents; sisters, Ann Harrison, Ruth Veeneman and Flo Fisher; and a brother, Richard Carmean.
There will be no calling hours. Online condolences may be left for the family at www.mcintirebradhamsleek.com.
Services will be Tuesday, March 18 at 11 a.m. at Wooster United Methodist Church, with the Rev. Larry Black and Patrol Chaplain, the Rev. Philip Hurlbert officiating. Burial will be in Ohio Western Reserve National Cemetery, Rittman at 2:30 p.m.
Contributions may be made to the Salvation Army, Wooster Corps, 437 S. Market St., Wooster 44691.
I wish to express my condolences to all of you in the Carmean family, especially Vaughn and Della. As a Allen growing up in Ada, I remember all of you very fondly, especially admired Vaughn for his speed in football, and his taste in girl friends. I'm talking about you Della, only! What I want to share with you is that after High School, I worked summers for the Pennsylvania R.R., as a relief clerk and agent in different towns between Chicago and Crestline. I got the job because I had taken both typing and bookkeeping from dear Mrs. Bozarth. Practically flunked both of them, but R.R. didn't ask. One of my favorite experiences was that I was assigned to Crestline for two weeks, and was able to board with the Carmeans who also lived in Crestline. They treated me as if I were civilized, and made me really feel welcome and wanted. I think maybe Frank Brace spoke to them about the possibility, but it sure made the two weeks more bearable, as they were the only people I knew, and in general, railroad people were not always the most cordial. I remember that he (brother Dick I think), encouraged me to go to college and helped boost my confidence that I could accomplish college work, in spite of my sort of average grades in high school, and my propensity to skip school often for any reason or whim. Your brother gave me advice as if he were my older brother. He and his wife were extremely good to me and I have always appreciated it greatly. God has blessed me many times in my life, and knowing you and your family is one of those blessings. At times like these, it is important to trust in our Lord, trust in His wisdom, and allow Him to be our comfort in our sorrow. I knew Jim as well, but I think Dick was the brother that lived in Crestline. Please share any of this with your family, I will keep you and your family in my thoughts and prayers. God Bless and Sustain you all always.
Joseph Allen, for all the Allens. (Nancy and I are the only two left here on this planet. Bob, Sally, and Paul are now members of a Heavenly Choir, it's a good thing I don't sing well?) I will see you again in Ada or somewhere if the good Lord is willing. J.A.


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Deer Hunting Forums (http://www.deerhuntersclub.com/forums/)
- Pictures and Videos (http://www.deerhuntersclub.com/forums/pictures-videos/)
- - Great KY buck (http://www.deerhuntersclub.com/forums/pictures-videos/6775-great-ky-buck.html)
Great KY buck
One of my coworkers/hunting friends got this guy last weekend in Kentucky. It scored a 145.
Sorry about the blurriness.. It was sent to my cell phone.. I tried to enlarge it a litte so yall could see it better.
:shocking::thumbup:holy cow that's alsome
really great buck, congrats to him!
would you guys call that a 4 point or an 8 point? I call it a 4 point. Thats just me.
Nice heavy horns!!!
I usually count the points and if it adds up to eight its a eight point :w00t:
I agree with delbert, you count all the points on the whole rack, not just one side. Plus, if I counted right, I see 9 points on that buck.... Anyone else??
1 Attachment(s)
it does look like a start of a point right by his left hand thumb. i got two nice ky deer as well on trail cam that im looking to get one with my bow. deer in the area are still mostly nocturnal still due to warm weather but are slowly moving to day light hours. pull memory card today n had my 9 pointer in this morning
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here is the pic of the other one hes a 7 pointer but a bigger body than that 9 pointer i think. gotta love ky deer
on the fly.. that last pic... that ol' boy has a neck on him!
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You are hereHome › Keith Greenhalf › How Piracy Helps Microsoft Make Billions
How Piracy Helps Microsoft Make Billions
Microsoft estimates it lost $14 billion last year to software piracy.
The loss may prove to be the most profitable sales never made.
Although the world's largest software producer spends millions every year to combat illegal reproduction of its products, piracy helps the company to establish itself in emerging markets and fend off threats from free open-source programs. (Source: LAtimes.com)
The sharing of pirated copies establishes Microsoft products as the software standard. As the economy grows, people and companies begin buying legitimate versions, and they usually buy Microsoft because most others already use it.
Microsoft and other software companies have learned that software piracy in the long term actually boosts popularity and increases sales of their products.
Microsoft along with other companies, have experimented with technical tricks to prevent copying, such as disks that could be used only once and hardware that had to be connected to the PC before a software program could run. This type of copy protection did not do well and the technology was abandoned soon afterward. By 1986, like most other software companies, Microsoft abandoned copy protection altogether. (Source: versuspictures.com)
The piracy rates worldwide are dropping every year and are increasing the revenue for software developers. Vietnam, which has the highest piracy rate in the world at more than 90%, has improved from 100% in 1994. Comparatively, the U.S. piracy rate dropped from 31% in 1994 to 21% in 2004 -- the lowest in the world. (Source: versuspictures.com)
Even with the Internet making piracy easier than ever, Microsoft's revenue and profit is still rising steadily. It earned $12 billion in revenue in 2005. (Source: msnbc.com)
This record of success leads experts and software companies to regard piracy as less of a problem than it is made out to be.
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The 15th Street bridge over Highway 2 in Bemidji will reopen by August 5, according to a press relese from the Minnesota Department of Transportation (MnDOT).
The bridge has been closed since July 13, when a vehicle hauling an over-height excavator collided with it, damaging six of its support beams. MnDOT engineers have evaluated the damage and concluded that those six beams will eventually need to be replaced.
When the bridge reopens, it will have new weight restrictions, but those restrictions will not affect school buses travelling to the nearby middle school.


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The Calgary Stampeders re-signed defensive back Keon Raymond to a contract extension Monday.
Raymond, 31, joined the Stampeders in '08 and appeared in 15 regular-season games with the club last year. He recorded 51 tackles, four sacks, eight pass knockdowns and one special-teams tackle. He also returned two kickoffs for 79 yards.
"Keon is a reliable and versatile player who has been a key member of our defence for many seasons," GM/head coach John Hufnagel said in a statement. "He's an important part of the Stampeders both on and off the field and I'm pleased that he has chosen to sign an extension to remain in Calgary."
Raymond has suited up for 88 career regular-season games with Calgary. He has registered 250 tackles, 14 special-teams tackles, eight sacks, 15 interceptions, five fumble recoveries and one forced fumble.
Raymond has also scored five career touchdowns - three on interceptions and two on fumble returns.
"I've been so blessed for the time I have spent in Calgary so far and I'm happy to continue my career with the Stampeders," said Raymond. "I have the best teammates I could ever hope for and the support of Stampeders fans is always tremendous.
"Calgary is home for me and my family and I'm looking forward to the new season and another opportunity to get to the Grey Cup."Report Typo/Error


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Evans' toughest foe: himself
Rashad Evans was in Colorado, just another fan checking out the fights as UFC 107 aired from Memphis, Tennessee. But with each passing bout, the realization hit home that this was one night that should have belonged to the former light heavyweight champion. . . . Click here for more by Thomas Gerbasi, UFC.com


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Moose Toys to Launch Interactive Pet Birds at 2014 Toy Fair
Posted on February 14, 2014
Moose Toys has announced to launch Little Live Pets, a line of interactive pet birds at the 2014 American International Toy Fair, which opens on Feb. 16. The toys can respond to touch and fit in the owner's palm. They make more than 40 different sounds. They tweet, chirp and whistle nursery rhymes. They also have a chatter back recording feature.
Paul Solomon, co-CEO, Moose Toys, says in a statement, "Given the popularity of The Ugglys, the electronic pets we launched in the fall, we're confident that Little Live Pets will be a hit with kids when they hit shelves this fall. Our initial focus groups show that kids love the Birds' realistic qualities and the interactive talk back feature."
Moose says the new toys will range in price from $12.99 to $19.99.
Update 8-23-14: The toys are expected to hit Target, Toys R Us and Walmart stores this month. Here is a new video about the interactive birds. The birds chirp when petted and can repeat things you say. Take a look:
Photo: Moose Toys
More from Shoppers Shop


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3 Recommendations
modcloth's recommendation
Named after the popular "blue" tea, these gloves will add a sophisticated touch to any outfit! Featuring a snug fit and matte finish, these gloves are a sweet addition to a tea party ensemble or anything else you may get your hands into!
SamHope's recommendation
You simply can't wear those black gloves with a brown or navy dress to the Tea Party! You must get some Oolong Love Gloves - but I shall allow you to drink Earl Grey at the party if you must.
My Collections:
roguedesigns's recommendation
Am I sassy enough to pull these off? Only one way to find out for sure, and for only $10, who cares?!
My Collections:


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Just before disassembling.
Except where otherwise noted, pictures are licensed under a Creative Commons By-NC-ND License.
Comments (4)
07 years agonajimi13
whoa nice box
lol, that's pretty dope.
Thanks lol. I just wanted to get a picture of it before I take it apart for something else.
- The Miku Box
- 7 years ago
- 1000x750 (524.63 kB)
- 912
- 334


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MandM Direct is one of the UK's leading fashion and sports retailers selling your favourite top brands - Bench, Firetrap, Timberland, Fred Perry, adidas, Nike, Puma, Henleys, Berghaus and loads more, all with savings of up to 75% off UK recommended retail prices.
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With all the talk today about Lindsay Lohan being offered a Playboy shoot, you may have missed the fact that KT Tunstall has decided that she is willing to pose nude for a photoshoot as long as one condition is met. The condition is the magazine needs to airbrush the hell out of her because she doesn't think she looks perfect.
KT should probably know that Playboy will have to use a team of computer experts to have Lindsay Lohan look good, while some guy with an iPhone could probably make KT look good.
KT has been asked numerous times by magazines including Playboy to pose nude, but has always declined.
"I've said in the past that I wouldn't (pose naked) but I would. I'm not a model and I don't have the body of a model, so it would have to be done in context. "But it is amazing what can be done with photography these days."
I agree, and I think that instead of subjecting the world to more Lindsay Lohan freckles in another slam to the memory of Marilyn Monroe, Playboy should instead concentrate on someone who everyone will want to see, wasn't just naked two weeks ago, and doesn't wear leggings as far as I know. Plus she's Scottish. Put her and James McAvoy in the same room and see if you understand a damn thing they talk about. I so don't want to see Lindsay in Playboy and have to talk about it and post the photos and listen to her dad say how he won't look at them and despite what we all may think that he doesn't fantasize about her.
I don't need the followup stories about how Ali is counting down the days until she can get naked and is thinking of moving to Europe so she can pose naked sooner, and how Dina is going along with her to do her hair and makeup for the under 18 naked photo shoot, and that the next thing you know Dina also got naked to earn a few extra bucks.
So, all you have to do Playboy is use KT instead of Lindsay.


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New Water Trail Dedicated at Finger Lakes State Park
Finger Lakes State Park is marking National Trails Day on June 7 by dedicating a new trail. If you want to explore it, bring your water shoes instead of hiking boots.
North of Columbia off U.S. 63, Finger Lakes State Park gets its name from the slender lakes formed when pits left by a prior coal-mining operation were dammed and filled with clear water. Peabody Lake is the largest and now has a 4.5-mile water trail that lets paddlers explore the narrow waterways.


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Individual Retirement Accounts
Stonegate Bank offers IRAs* for individuals who are just starting to think about retirement, those that are just starting to enjoy it, and everyone in between.
Let us help you save for the future. Please contact us to determine which IRA product is best suited for you.


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Our innovative range of products underline our focus on not just sleep but on quality sleep. Sleepwell brand reminisces customer of a comfortable and quality sleep. Forever etched in the consumer mind whenever it comes to providing state of the art sleep solutions, Sleepwell has satisfied generations of delighted consumers over the last four decad
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Advances in Mathematical Finance
Part of the series Applied and Numerical Harmonic Analysis pp 259-277
A Generic One-Factor Lévy Model for Pricing Synthetic CDOs
- Hansjörg AlbrecherAffiliated withAustrian Academy of Sciences, Johann Radon InstituteDepartment of Mathematics, Graz University of Technology
- , Sophie A. LadoucetteAffiliated withDepartment of Mathematics, Katholieke Universiteit Leuven
- , Wim SchoutensAffiliated withDepartment of Mathematics, Katholieke Universiteit Leuven
* Final gross prices may vary according to local VAT.Get Access
The one-factor Gaussian model is well known not to fit the prices of the different tranches of a collateralized debt obligation (CDO) simultaneously, leading to the implied correlation smile. Recently, other one-factor models based on different distributions have been proposed. Moosbrucker [12] used a one-factor Variance-Gamma (VG) model, Kalemanova et al. [7] and Guégan and Houdain [6] worked with a normal inverse Gaussian (NIG) factor model, and Baxter [3] introduced the Brownian Variance-Gamma (BVG) model. These models bring more flexibility into the dependence structure and allow tail dependence. We unify these approaches, describe a generic one-factor Lévy model, and work out the large homogeneous portfolio (LHP) approximation. Then we discuss several examples and calibrate a battery of models to market data.
Key wordsLévy processes collateralized debt obligation (CDO) credit risk credit default large homogeneous portfolio approximation
Chapter Metrics
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- Title
- A Generic One-Factor Lévy Model for Pricing Synthetic CDOs
- Book Title
- Advances in Mathematical Finance
- Book Part
- Part III
- Pages
- pp 259-277
- Copyright
- 2007
- 10.1007/978-0-8176-4545-8_14
- Print ISBN
- 978-0-8176-4544-1
- Online ISBN
- 978-0-8176-4545-8
- Series Title
- Applied and Numerical Harmonic Analysis
- Publisher
- Birkhäuser Boston
- Copyright Holder
- Birkhäuser Boston
- Additional Links
- Topics
- Keywords
- Lévy processes
- collateralized debt obligation (CDO)
- credit risk
- credit default
- large homogeneous portfolio approximation
- Industry Sectors
- eBook Packages
- Editors
- Michael C. Fu (13)
- Robert A. Jarrow (14)
- Ju-Yi J. Yen (15)
- Robert J. Elliott (16)
- Editor Affiliations
- 13. Robert H. Smith School of Business Van Munching Hall, University of Maryland
- 14. Johnson Graduate School of Management 451 Sage Hall, Cornell University
- 15. Department of Mathematics, 1326 Stevenson Center Vanderbilt University
- 16. Haskayne School of Business Scurfield Hall, University of Calgary
- Authors
- Hansjörg Albrecher (17) (18)
- Sophie A. Ladoucette (19)
- Wim Schoutens (19)
- Author Affiliations
- 17. Austrian Academy of Sciences, Johann Radon Institute, Altenbergerstrasse 69, A-4040 Linz, Austria
- 18. Department of Mathematics, Graz University of Technology, Steyrergasse 30, A-8010 Graz, Austria
- 19. Department of Mathematics, Katholieke Universiteit Leuven, W. de Croylaan 54, B-3001 Leuven, Belgium
Continue reading...
To view the rest of this content please follow the download PDF link above.


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In 2016, U.S. News & World Report ranked Seattle Children's as the No. 1 pediatric gastroenterology program in the Northwest – and one of the best in the country.
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IMPLANTS Los Angeles, California
5 musicians, friends from (Strung Out, Pulley, Ten Foot Pole, The Tank(Brown Lobster Tank) & ex-Death By Stereo,) who have played shows together in their respective bands, form a new group as an outlet to release what everyone has been screaming for. The collaboration began in 2011. ... more


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How Are We Defining College Readiness?
The New York City Department of Education took a bold step recently when revealing for the first time how well high schools are preparing students for higher education or well-paying careers.
According to information included in the latest school report cards, only one in four students who enter high school in New York City is ready for college after four years, and fewer than half enroll.
Apparently the city's measure of college readiness is based largely on data from the City University of New York, but that baseline may not be pushing students or schools far enough.
How would students fare if they were expected to meet the standards of a private college?
Bronx Engineering and Technology Academy, where I was a principal from August 2006 to March 2011 (I am now at the new Pathways in Technology Early College High School in Crown Heights, Brooklyn), was founded in partnership with the Manhattan College School of Engineering, a private college in the Bronx.
BETA, as the school is known, was part of the New Visions New Century High Schools initiative that was partly financed by the Bill and Melinda Gates Foundation. The school had a start-up grant of $400,000 to use over the first four years, and part of the money was used to pay for a Saturday SAT program.
BETA opened in 2004 with an open admissions policy, and the focus was to prepare underrepresented populations (no test required or grade point average) to enter college and pursue majors in science, technology, engineering or math (STEM), using the students' performance on the SAT I and their high school transcript as indicators of college readiness and to predict their success in college.
I was the school's third principal, and in trying to create a college-ready school culture at BETA, we focused on the following:
- Having students aspire to complete the advanced Regents diploma (which includes four years of math and science, and three years of foreign language).
- Having students retest in English and math until a 75 was earned. (The target of scoring 80 on the algebra Regents was not set for schools yet.)
- Having students take at least one advanced placement course before graduating.
- Having students attend a Saturday SAT academy. (Financing from the Gates grant ended in 2009, and as a result of citywide budget cuts during 2009, 2010 and 2011, the Saturday SAT academy also ended.)
Some people could not understand why we were outperforming traditional predictors for success. For example, the mean score at BETA for the math SAT for black students in 2008 was 453, while the national mean score for black students was 426. The following year, BETA's math SAT mean score for black students was 460 while the national mean score remained flat at 426.
Also in 2009, BETA's mean SAT math score for Hispanics was 467, higher than the national mean score for groups that included Mexican, Mexican-American, Puerto Rican and other Hispanic students.
Our focus was being driven by our private college partnership, and so it required us to have multiple measures to look at college readiness that were slightly different from how the progress report was rating us as a school.
The results show that a school's academic culture is slightly different when its students are prepared to compete for admission to private colleges, and the challenge to students becomes even greater when the focus of the school is engineering.


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10 CFR 73.8 - Information collection requirements: OMB approval.
(a) The Nuclear Regulatory Commission has submitted the information collection requirements contained in this part to the Office of Management and Budget (OMB) for approval as required by the Paperwork Reduction Act ( 44 U.S.C. 3501et seq.). The NRC may not conduct or sponsor, and a person is not required to respond to, a collection of information is it does not display a currently valid OMB control number. OMB has approved the information collection requirements contained in this part under control number 3150-0002.
(b) The approved information collection requirements contained in this part appear in §§ 73.5, 73.20, 73.21, 73.23, 73.24, 73.25, 73.26, 73.27, 73.37, 73.38, 73.40, 73.45, 73.46, 73.50, 73.51, 73.54, 73.55, 73.56, 73.57, 73.58, 73.60, 73.67, 73.70, 73.71, 73.72, 73.73, 73.74, and appendices B, C, and G to this part.
(c) This part contains information collection requirements in addition to those approved under the control number specified in paragraph (a) of this section. The information collection requirement and the control numbers under which it is approved are as follows:
(1) In §§ 73.71 and 73.77, NRC Form 366 is approved under control number 3150-0104.
(2) [Reserved]
Title 10 published on 10-May-2017 03:48
The following are ALL rules, proposed rules, and notices (chronologically) published in the Federal Register relating to 10 CFR Part 73 after this date.


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Junior (2014-2015): Received All-MVC select team honors … garnered the MVC Elite 18 Award and was named first team All-MVC Scholar-Athlete … was named first team Capital One Academic All-District … was the recipient of the ITA Central Region Arthur Ashe Sportsmanship and Leadership Award … finished the season with a combined 53-22 singles/doubles record … was one of six Bulldogs to record over 20 singles wins with a 24-12 mark … was named MVC Athlete of the Week on Feb. 10 for her perfect 4-0 record for the week … posted a seven-match winning streak from March 22 to April 12 … closed out the spring campaign with a 8-2 record in the final 10 matches ... garnered a No. 119 ranking in the Intercollegiate Tennis Association (ITA) preseason rankings ... earned a pre-qualifying round berth at the Riviera/ITA All-American Championships where she dropped a 6-2, 6-4 decision versus Jessica Wacnik of Boston College ... paired with Nell Boyd to win the No. 5 and 'Gopher' doubles championships at the Gopher Invitational and the No. 3 doubles title at the MVC Individuals ... paired with Boyd to knock off 59th-rated duo of Yang Pang and Oleksa Shkorupeieva from Arkansas at the ITA Central Regional ... took home a MVC Individuals singles championship for the second year in a row winning at the No. 3 position, 6-3, 3-6, 6-3, over Wichita State's Aleksandra Trifunovic.
Sophomore (2013-14): Recorded a 55-17 combined singles/doubles mark, including earning a team-high 31 singles victories...posted 17-2 and 6-0 records, respectively, during the spring and in league play en route to being named first-team All-Missouri Valley Conference at No. 3 singles...won her final seven singles matches of the season and owned winning streaks of five or more in singles on four occasions, including a season-best 10-match run from Oct. 4 through Feb. 21...finished season 31-5 in singles and 24-12 in doubles...registered 9-3 and 8-3 doubles marks on the year with Mariel Ante and Klavdija Rebol...chosen as the MVC Player of the Week on Jan. 28 and March 11 ... awarded the MVC Elite 18 award, an honor presented to the student-athlete with the highest cumulative grade-point-average competing at the finals site of each of the league's 18 team championships ... named to the Capital One Academic All-America All-District VI At-Large team ... garnered match-clinching point in a 5-2 victory at Iowa State ... paired with Rebol to earn road triumphs in doubles that sparked the Bulldogs to wins at Nebraska, Iowa State and Missouri and well as at the Roger Knapp Tennis Center versus Wisconsin ... entered the spring campaign ranked 118th by the Intercollegiate Tennis Association (ITA) in singles ... registered a 27-7 combined singles/doubles ledger in the fall, including a team-high 14-3 singles mark ... equaled Ante with a team-best five championships (three singles and two doubles) during the fall campaign...paired with Ante to win the 'B' doubles crown at the Drake Fall Invitational, with an 8-3 triumph past Jordyn Kearney and Krissy Lankelma of Northern Iowa ... captured a come-from-behind 0-6, 6-4, 10-8 triumph over Minnesota's Maja Vujic in the finale of the 'Gold' singles flight at the Minnesota Golden Gopher Invitational ... earned the No. 5 singles crown at the MVC Individuals after collecting a come-from-behind, 0-6, 6-1, 6-1, triumph past Kadi Ilves of Illinois State ... concluded fall campaign claiming the No. 3 singles and No. 3 doubles championships at the Drake Jamboree ... tabbed an MVC Commissioner's Academic Excellence Award recipient as well as being selected to the MVC Academic Honor Roll.
Freshman (2012-13): Produced a 37-18 combined singles/doubles record, including a 22-7 singles mark ... went 11-3 in singles during the spring, while adding six doubles triumphs ... registered 4-0 mark in singles during the MVC campaign en route to first-team all-conference accolades at the No. 4 position ... finished the season 8-1 in her final 10 singles matches...was 12-7 on the year in doubles with Lea Kozulic ... named the MVC Women's Tennis Player of the Week on March 5 after turning in a 5-1 combined singles/doubles record to spark the Bulldogs to victories past Central Arkansas and Northern Iowa ... fashioned a 20-9 combined singles/doubles ledger in 29 fall matches, while recording 11 singles triumphs ... registered a 6-2, 6-1 decision over teammate Ali Patterson to claim the 'E' singles championship at the Drake Fall Invitational ... took home the championship in the No. 3 singles flight at the Redbird Roundup besting Madeline Jolly of Saint Louis, 6-2, 6-1 ... paired with Kozulic to dispatch Creighton's Taylor Koehrsen and Amanda Noonan in the final of 'C' doubles draw at the Drake Fall Invitational, 8-4 ... advanced to the doubles finals in the 'B' flight at the Redbird Roundup with Kozulic before suffering an 8-3 setback ... recipient of the MVC Commissioner's Academic Excellence Award as well as being named to the MVC Academic Honor Roll for 2012-13.
High School: A four-time all-state selection at Onalaska High School, Johnson was tabbed the Mississippi Valley Conference's Player of the Year in each of her final three prep campaigns and led the Hilltoppers to four league titles ... tabbed a first team All-MVC selection in each of her four seasons, she finished her prep career with a 121-8 singles mark en route to a pair of state runner-up finishes in singles play.
Personal: Born May 3, 1994, in La Crosse, Wis. ... majoring in psychology ... daughter of Paul and Kay Johnson...Drake Presidential Scholarship recipient.


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ideas shoudl be heard, challenge u CCP, broadcast and follow up
Dust 514's CPM 1 Iron Wolf Saber
Eve mail me about Dust 514 issues.
CCP Spitfire | Marketing & Sales Team
how to fix eve: 1) remove ECM 2) rename dampeners to ECM 3) add new anti-drone ewar for caldari 4) give offgrid boosters ongrid combat value
Six months in the hole... it changes a man.
The world is a community of idiots doing a series of things until it explodes and we all die.


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"I had never heard of Sheriff Tiraspol before -- I thought they were from Northern Ireland. I only found out 20 minutes before we landed. I got told it was a country within Moldova. That was a new one for me, but it has improved my geography. I am very pleased to be here. I can tell my grandchildren that I played in a part of Moldova that isn't Moldova." -- Tottenham's German midfielder Lewis Holtby on playing Sheriff Tiraspol in a Europa League game that Hotspur won, 2-0, last week. Tiraspol is a self-proclaimed sovereign state within Moldova's borders. ...More
[OFF THE POST] Bertie Bee, the mascot of English League Championship leader, was sent off early in the Clarets' 2-0 win over second-place QPR after
he offered a pair of glasses to one of the referee's assistant. ...More


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German Shepherd Dog Forums (http://www.germanshepherds.com/forum/)
- Training Our Puppy (basic) (http://www.germanshepherds.com/forum/training-our-puppy-basic/)
- - Questions on Crates (http://www.germanshepherds.com/forum/training-our-puppy-basic/457362-questions-crates.html)
Questions on Crates
I have a puppy arriving in a week, and Ive been reading all that I can about various training. Im a bit confused about crate training because Ive read a few contradicting things.
One method says to have to crate near you, like in your bedroom. Another says to have the crate in a separate room so the puppy learns to be alone at times avoiding attachment issues when youre gone.
Another question I have is the size of the crate. I already bought the XL Kong brand metal crate with the partition for potty training. Im starting to wonder if I bought the wrong crate. I dont have plans to crate the dog when hes an adult, so Im wondering if I should have just bought a smaller crate to get him through the first (destructive) part of his life and potty train.
Any thoughts on any of this? Thank you.
I use two, one in the bedroom and one in a main part of the house. The bedroom is for sleeping only and the one in the main part is for chilling when needed or keeping them from getting underfoot.
Having the dog in the bedroom with you at night improves the chances of house breaking happening faster, the puppy moving around or whining wakes you up and the pup goes outside. It also usually calms them having you nearby and you avoid a lot of whining and fussing.
Delgado finally at 2 years old earned the right to be out of the crate 24/7. I never assumed that it would take that long but it did, so getting the largest crate keeps the dog comfortable regardless of size and age.
You can always tweak crate training a bit. I know for me, I only crate at night or when no one is home or if I need to get a 'time out' from the puppy to get some work done that they are definitely in the way :) . I also keep the crate in the bedroom so pup is reassured at night and I get sleep! Crate right beside my bed in fact.
Otherwise, I use closed doors and baby gates everywhere to keep the puppy in the same area I am in so I can get the 'house rules' started for my puppy. TONS OF TOYS all over the house so I can easily switch out an appropriate toy for the inappropriate pillow/shoes/shirt that the puppy may THINK is a good 'toy'.
If you have a huge house, you may want multiple crates. Ask your friends if they have a crate around. Specially the smaller sized ones cause you only will use them for a few months and then can return them. Also good for travel in the car to keep the puppy safe.
The partition should help though if you only have the one crate. That way it keeps smaller area and will help with potty training.
You find a puppy class yet? Big help to talk to others with puppies and get hints/tips/suggestions from people you see weekly and that are in the same situation!
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Dr. Ron Paul »
Archive for November 18th, 2013
Federal Reserve Steals From the Poor and Gives to the Rich
DHS Creates New Fusion Centers, Taking Control of Local Police
by Joe Wolverton, II, J.D. TheNewAmerican.com Thursday, 14 November 2013 As the Department of Homeland Security (DHS) doles out billions of dollars to convince local police departments to surrender control to the federal agency, a recent report indicates that intelligence gathered at precincts-cum-surveillance-centers will be shared among all levels of law enforcement. An article... »
Death Panel Forming On ObamaCare
Monty Pelerin Economicnoise.com November 18, 2013 It looks like public opinion is acting as a Death Panel evaluating ObamaCare. The verdict thus far seems to be that it doesn't deserve to live. If things are going to get worse from here, and I believe they will, the plug will have to be pulled on... »
U.S. war readiness in jeopardy as pilots flee
'Morale is really as bad as I've seen it' F. MICHAEL MALOOF WND.com Nov. 17, 2013 WASHINGTON – As if to dramatically illustrate repeated claims top generals have made to WND of a purge of senior officers and a degradation of military readiness under President Obama's leadership, stunning testimony at a recent Senate committee... »
Oprah stoking the flames of 'socially engineered' racism
BY SHAWN HELTON 21stcenturywire.com NOVEMBER 18, 2013 As President Barack Obama's approval ratings continue to plummet and the 'Obamacare debacle' is still unfolding, his foot soldiers are on the march, defending his failed tenure, stoking ' socially engineered' racial tension… American media mogul Oprah Winfrey, has been busy the circuit plugging her Hollywood production... »
The Obamacare Disaster
The Poison of Party Loyalty by NORMAN SOLOMON CounterPunch.org NOVEMBER 18, 2013 Four years ago, countless Democratic leaders and allies pushed for passage of Barack Obama's complex healthcare act while arguing that his entire presidency was at stake. The party hierarchy whipped the Congressional Progressive Caucus into line, while MoveOn and other loyal groups... »
Justices Reject Challenge to N.S.A. Program
By ADAM LIPTAK NYTimes.com November 18, 2013 WASHINGTON — The Supreme Court on Monday turned away an unusual challenge to a National Security Agency surveillance program. The Electronic Privacy Information Center filed the challenge directly with the Supreme Court, arguing that the Foreign Intelligence Surveillance Court had "exceeded its statutory jurisdiction when it ordered... »
TPP: NAFTA on Steroids
Stephen Lendman Activist Post.com Monday, November 18, 2013 The Trans-Pacific Partnership (TPP) is a trade deal from hell. It's a stealth corporate coup d'etat. It's a giveaway to banksters. It's a global neoliberal ripoff. It's a business empowering Trojan horse. It's a freedom and ecosystem destroying nightmare. The Electronic Frontier Foundation (EFF) calls it... »
UK, EU and U.S. Siphon Off Billions of Householders' Savings
by GoldCore ZeroHedge.com 11/18/2013 The Mckinsey chart above clearly shows that QE has been kind to governments and since the financial crisis began in 2007, those UK households that have increased their levels of savings have been severely penalised to the tune of £110 billion. This £110 billion is in effect removed from the... »
U.S. Physician: Of course Fukushima contamination will impact our health, "This is random murder" — TV: Scientists say it's suicidal for gov't to allow residents to live near radiation hotspots by plant (VIDEO)
ENENews.com November 17th, 2013 Alexey Yaroshevsky, RT: Just 10 km from the nuclear power station the Japanese government to allow the people to return to their homes. But scientists say that's suicidal because radiation migrates and because it exists in hotspots scattered all across the area. Yosuke Yamashiki, Associate Professor at... »


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JCurve Solutions is an Australian award-winning cloud technology company, listed on the ASX (JCS). The company has been going from strength to strength with continued rapid growth forecasted. JCurve Solutions is supported by our knowledgeable and passionate employees who strive to ensure the success of our clients' businesses. We're proud to be Australian owned and managed, with our staff based locally. Our employees believe in our products and ensuring customers are provided with the right solutions and support. Our continued success comes not only from investing in the growth of our employees, but also in facilitating the continued business growth of our customers.
Our award winning solutions include Cloud ERP software for SMEs serious about growth and also telecommunications expense management (TEM) and analysis products, which are supported by some of the biggest names in the cloud computing and the telecommunications industries. Our partners include the number 1 cloud ERP provider, NetSuite and Optus Australia.
We have a culture focussed around celebrating each other's successes, taking decisive action and acting as one.
Award winning small business management software which includes accounting and payroll, CRM, inventory management, eCommerce and more.
JCurve was formed to help small businesses grow, by using our award winning business software products to increase their sales, effectively manage costs and reduce business inefficiencies which affect the bottom line.
Our cloud based business management solutions are designed for companies who may have outgrown their accounting only software or currently working with multiple, disparate systems. Bringing together real-time information and SaaS technology, JCurve provides the right reporting and cross platform visibility to make informed and timely business decisions with access to your important data from anywhere, at any time.
JCurve is the Australian and New Zealand small business partner of NetSuite, the world's number one cloud ERP business software suite. With an exclusive licensing agreement to design, develop and support a NetSuite small business product, we deliver fully featured software via the cloud that works for small business, without the prohibitive price tag.
With the combined JCurve and NetSuite Australia offering, our software is a truly scalable solution that can grow seamlessly with businesses of all sizes. A simple upgrade path from JCurve to NetSuite as businesses continue to grow further makes our offering the last business software that's ever needed.


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Supervalu Said to Cut Rate on $1.5 Billion Loan for Cerberus Buy
Supervalu Inc., the third-largest U.S. grocery chain, cut the interest rate it will pay on a $1.5 billion term loan it's seeking to support the sale of five supermarket chains to a Cerberus Capital Management LP-led investor group, according to a person with knowledge of the transaction.
The six-year covenant-lite loan will now pay interest at 5 percentage points to 5.25 percentage points more than the London interbank offered rate, down from 5.75 percentage points, said the person, who asked not to be identified because the information is private. The Libor floor remains unchanged at 1.25 percent.
Supervalu is proposing to sell the loan at 99 cents on the dollar, compared with 98.5 cents initially proposed, the person said, increasing proceeds for the company and reducing the yield to investors.
Lenders are being offered one year of 101 soft-call protection, the person said, meaning that Supervalu will have to pay one-cent more than face value to reprice the debt in its first year.
Goldman Sachs Group Inc., Credit Suisse AG, Morgan Stanley, Bank of America Corp. and Barclays Plc are arranging the loan and commitments are due tomorrow, according to the person.
To contact the reporter on this story: Michael Amato in New York at firstname.lastname@example.com
To contact the editor responsible for this story: Faris Khan at email@example.com


text: Can you name the Doctor Who story from just one photo? (Part 2) We've done "New Who" and you did well - but can you crack our fiendish quiz that covers more than 50 years of time travel? ARTICLE CONTINUES BELOW By Radio Times staff Previously we've asked the simple question; "Can you name the Doctor Who episode from just one photo?" The answer was generally, "yes." However, we only gave you the stories of Tennant, Smith and Eccleston to choose from – and that was obviously too easy. So we've devised another quiz which includes 50 years of adventures in space and time. Are you equal to it now that the likes of Tom Baker, Jon Pertwee and Peter Davison are in the mix? Good luck... continue reading


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Let Justin's Daily Cafes take the headache away of finding interesting, healthy meal choices for your employees.
We have an array of cultural menus using fresh ingredients to ensure sustainability.
We deliver exceptional cafe services with a good selection menu of foods at affordable prices. Our meals are always of high standards and quality. Prepared with Fresh ingredients and spices.
Our full service menu changes every day. Delicious vegetarian, vegan and gluten free options available everyday.
Pick from man run stations, grills, made to order stations and many other options.
Looking for a hassle free option? Justin's Daily Café will set up your buffet and clean up afterwards
Justin's Daily Café on the go. Same great quality, dropped off when you need it, all eco friendly disposables.
Working late? Not a problem. Justin's Daily Café will deliver energizing meals to help you meet that deadline.


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Carole A. McCoy was appointed as the fifth president of Jefferson Community College in February of 2007. She holds a bachelor's degree in economics from Framingham State College in Massachusetts, a master's degree in business administration from the University of Massachusetts and a doctorate in public administration from the University of Baltimore.
Dr. McCoy serves the community on the Board of Directors of the Fort Drum Regional Liaison Organization (FDRLO), the Greater Watertown North / Country Chamber of Commerce, WPBS and the Victim's Assistance Center and is also a member of the Watertown Rotary Club. She is also an active member and Secretary of the New York Community College Presidents Association.
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Tamanna hot navel show
South indian actress Tamanna called as Milk white beauty. This year she is going to act to big Telugu films one is opposite to Allu Arjuna in "Badrinath and another one is film "Akkeneni" with famous actor Nagarjun's son Naga chaitanya. Both heroes are interest to act with Tamanna she is very understanding and broad


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There are times when it's easy to be thankful. Times when the emotions of special events and warm friendships make you realize that life is better to you than you might have otherwise noticed. In moments like this it is easy to look around the room and count your blessings. It's what comes naturally. Almost Read More
You're not really planning if you only think about what you what to do and not how you're going to do it. It's all too easy for good ideas to go unfulfilled simply because you didn't have the right tools to keep you organized and to remind you of when you need to get things done. Read More
Gratitude isn't saying "Thank you" when someone has your back. Gratitude isn't donating your money and time to an important cause. Gratitude isn't looking someone in the eye and sharing how much you care. Gratitude isn't going the extra mile because someone did for you first. Gratitude isn't giving a hand out to those who Read More
As you were growing up, your parents taught you to ask for permission. Around the dinner table you were told to ask for the person next to you to "pass the salt" instead of lunging across the table for it. Instead of running down the street to play with the new neighbors who just moved Read More
A new day can mean fresh life or the end of life. A new day can bring happiness where there used to be only sorrow. A new day can bring riches, rewards, or the consequences of bad behavior and poor decisions. One day can make a big difference. It's easy to forget that when you're Read More
The idea of "disruption" has been hijacked by anyone with half a business idea and enough gumption to claim they're going to change the world. It used to be that disruption demanded knowing more about your industry than anyone else. It used to mean that you studied what was going on, analyzed gaps, researched opportunities Read More


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New Delhi, Mar 14: The increased incidence of ultra activities in Chhattisgarh has shot up the ''naxal national average'', spreading a scare across the country, Home Minister Shivraj Patil told Rajya Sabha today.
Answering the question of Mr Vijay J Darda (Congress), Mr Patil said during the question hour that there was a 47 per cent increase in naxal activities and 56 per cent rise in killings in the state.
The sprawling shrub forests and hilly terrains provided an ideal locale for ''growth of naxal activities.'' ''It is not for us to blame the state governments for this rise as they may have their own difficulties and reasons, but this growth does add up to the statistics, giving a wrong impression about spread of terror and spreading scare in the minds of people who go through these figures,'' the Minister said.
There were protests from the Opposition benches when Mr Patil attempted to shrug off a question from Rajya Sabha Chairman Bhairon Singh Shekhawat regarding the statistics in the official records.
Ms Sushma Swaraj(BJP) alleged that Mr Patil was insinuating that the Chair had not gone through the figures properly. However, Mr Shekhawat said the chair was capable of defending itself.
Mr Patil clarified that it was the states which were dealing with naxalism and Centre was providing as many as 33 battalions of police force to fight terror. The states should use the manpower and the helicopter and other equipments provided to them to tackle the menace. ''It is the states who are tackling these events and not Delhi Police,'' he said. The Centre was not just providing monetary support to contain these activities but also giving modern scientific equipments and arms and ammunitions to check the meance, he added.


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A little over a year ago, Stardom Bound dominated the field in the Breeders' Cup Juvenile Fillies (gr. I) for her third consecutive grade I victory.
$300,000 Gazelle (gr. I, Race 8, 3:10), 3YO Fillies, 1 1/8 Miles (Dirt)
PP. Horse, Jockey, Weight, Trainer
1. Me Love (KY), R A Dominguez, 115, D Capuano
2. Flashing (KY), R Migliore, 115, S bin Suroor
3. Milwaukee Appeal (ON), J R Velazquez, 115, S H Fairlie
4. Unrivaled Belle (KY), K J Desormeaux, 115, W I Mott
5. Bon Jovi Girl (KY), E S Prado, 115, T F Ritchey
6. Multipass (KY), R Maragh, 115, E Kenneally
7. Peach Brew (OK), Q Hamilton, 117, D K Von Hemel
8. Stardom Bound (KY), M E Smith, 122, J Rodriguez


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ED Magedson – Founder
Ripoff Report
Ruffolo Hooper & Associates, MD5755 Hoover BLVD Tampa FL, Florida United States of America
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This report was posted on Ripoff Report on 12/20/2011 09:30 AM and is a permanent record located here: http://www.ripoffreport.com/reports/ruffolo-hooper-associates-md/tampa-fl-florida-33634-5340/ruffolo-hooper-associates-md-a-fraudulent-bill-strange-blood-tests-to-be-paid-to-the-811741. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Transformational Teaching
Center for Women's Leadership Studies
Grace Theological Seminary
Directed by Dr. Christy Hill
This course will explore the teaching-learning process that is embedded in educational experiences, whether in the classroom or in interpersonal settings. Learning theories and educational practices will help guide the learner to strategically use best practices in ministry settings, understand how humans acquire new knowledge and embrace truth for transformational life change.
Cost: $80
Facilitated by Nicole Miller
Master's level or CEU credits available. (Additional charges and assignments apply for Master's level credits. Click here to request more details.)
Friday, March 18, 2016
6-9 p.m.
Saturday, March 19, 2016
9 a.m. to 5 p.m.
GBIF Conference Room
1401 Kings Highway
Winona Lake, IN 46590
Click here to register
Sponsored by Women of Grace USA


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Malfunctioning servers are more than a nuisance — they often result in upset customers, employees, and/or lost money. One of the most critical jobs of IT is to ensure that the servers are functioning properly and wonderfully and will continue to do so. IPMI (Intelligent Platform Management Interface) seeks to become the new standard for this task. Today, I'm going to go tell you about this marvelous technology which has enabled sys admins to remotely monitor their herd back at the server farm. And despite the variety of servers within their flock, they can effectively monitor all the beasts from a single interface. We will show its advantages over traditional diagnostic software and give a brief rundown of how it functions. I'll also tell you a few of the drawbacks that this growing technology has.
Let's begin.


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I've just got home after my first race since Paris, earlier this year and I loved it.
Today I ran for Guilford based charity, Oakleaf. I first heard about Oakleaf through a networking event, run by The Bestof Guildford. Oakleaf is the only mental health charity in Surrey working as a social enterprise to provide vocational training for those suffering from mental health issues. They offer training in horticulture, upholstery, IT and print finishing, enabling people to acquire new skills and ultimately return to work. They also offer a range of Social Inclusion Activities that cater towards building confidence, physical health and wellbeing.
I was taken on a tour of Oakleaf by Deepti. Deepti is the Events and Marketing Executive and plays an important role in securing much needed resources enabling Oakleaf to continue to provide help to those that need it.
I was amazed by the buzz and the atmosphere of the building as I was shown around. I was particularly interested in the upholstery service. The skill and attention to detail here is second to none. I have seen examples of their work and I have to say, this is a service that I wouldn't hesitate to recommend. Not only is their work outstanding but you're also helping to fund a charity that's giving so many people opportunity.
Check out the video below to learn more, it's an interesting watch.
To The Race
You may have read about the drama's on Saturday… If you didn't here's a snippet from Facebook.
Earlier this year I signed up to run The Great South Run for local mental health charity Oakleaf… For as long as I can remember it was always the day after Jacks Wedding as per my diary. So here we are, a little hungover and tired but ready and raring for my first race since Paris.
I opened my race letter in the car on the way, and read 'remember the clocks go back an hour' hmmm, and 'congratulations on your place in the Great South Run on Sunday 25th October 2015'
Uh oh – wrong day, never mind. I'm so glad it turned out to be today as I know I would have really struggled yesterday
So, here we are on Sunday, we arrived nice and early. We met up with Deepti to say 'hi' and pick up my running vest. I headed to the start line and got ready to run. They started a little 5 minute warm up, which is always a good laugh. Lots of stretching and jogging on the spot to cheesy music.
The temperature was rising. It was a hot day and not just for October either. The sun was shining and after 2 miles I had to take off the t-shirt I had under my running vest. I wasted about 3 minutes but it was well worth it. I felt pretty good throughout the race. There was plenty of water and Lucozade Stations to keep us hydrated and energised. I felt it pretty tough up to mile 4. I hadn't really done enough training for this, which I know is bad, but I've been focussing more on lifting weights to build strength and burn fat. I could feel my legs were getting really tight too, so I stopped every couple of miles for a good stretch.
It was a really good course – not too many hills and there was plenty of support along the way. I loved the music, especially the percussion bands. They're amazing. Thank you.
The last 3 miles seemed to fly by. Although my fitness levels were down, my endurance seemed to kick in. I just wanted to enjoy today. For a 10 mile run, I thought the atmosphere was amazing. As I ran down the final stretch, I heard Lauren on the left. I waved and carried on, there was about 100 meters to go! I crossed the line in 1:39 – a very average, but realistic time.
Thanks again for all your continued support. I've received lots of donations from various people and I really appreciate them. If you or anyone you know has been affected by mental health, please take a look at Oakleaf. If you'd like to donate, please follow my link below.
Right, I'm off to Zizzi's!


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The name on your diploma will be the name on your official student record.
To change your name to something other than your official name on record that appears on CaneLink, you must complete and submit the Bio/Demo form along with documented proof (see form for acceptable documents) to the Office of the Registrar.
If you prefer a variation of your official name or have diacritical marks to add, please see the examples of acceptable options below, complete the Bio/Demo Form and fax it to 305-284-6293. These types of variations do not require any legal documentation.
• Please be sure to include your student "C" number.
• No nicknames are allowed.
Examples of acceptable official name variations for diplomas:
A. Official Name: Jane Ann Smith
3 Options: Jane Ann Smith
Jane A. Smith
Jane Smith
B. Official Name: Jane A. Smith
2 Options: Jane A. Smith
Jane Smith
C. Official Name: Jane Smith
1 Option: Jane Smith
If you choose a variation of your official name, then the name on your diploma will not match the name on your transcript.
The name on your transcript MUST be the official name on your academic record.


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Help with Intergration WLC and NPS
Hi everyone,
A client need a integration between WLC and NPS (IAS server),searching in cisco i can't find a document that help me to install this solucion, also i need requeriment for this implementation, i mean what version of SO NPS is compatible with what SO of WLC.
Thanx for the answer
Check this out.
Starting on page 134. Takes you through installing CA, building template for NPS, installing NPS, connection request policy, network policy, etc.
Also, in terms of user and machine auto-enrollment for certificates, refer to Microsoft Technet. These should get you started.
2008 R2 NPS Setup
1. Install Cert Authority, Web Authority (default install)
2. Deply a CA and NPS Server Certiricate
3. Install NPS (Network Policy Server only)
4. Register NPS Server in AD DS.
5. Deploy Client Computer Certificates
6. Deploy User Certificates
7. Certificate Requirements for PEAP and EAP


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Yesterday a friend and I got out to do some fishing. We had this plan in the works since the new year. Originally we were going to drive to Orvis to pick up his new Helios 2 rod and reel and fish on the way back. He chose to order his rod and reel package and we were just going to fish all day.
We decided to meet at the Chesterfield Gorge parking area at 6:30 am. I packed my car the night before so I could just roll out of bed and into my car, that's pretty much what happened. I was on the road at 5:00 am because I wanted to stop to get some food and I needed gas. The drive took both of us just over an hour. Once I got off the Northampton exit and drove farther north through the hill towns I noticed a substantial drop in temperature. The weather in the lower valley was in the 50s for a week, I misjudge the weather in the hill towns tremendously. I didn't bring a jacket because of the warms temps so I had to make due with an orange fleece from Cabela's that was in my car. What a terrible color choice of clothing to fish with, the fish can see you from a mile away. One always wants to wear drab or bland colors. I did have a wool sweater underneath, which is what I planned to wear. When we pulled into the parking lot we noticed a foot of snow and a 22 degree morning waiting for us. We suited up and walked down the ice covered trail. There is 9 miles from the Chesterfield Gorge parking lot to the Knightville Dam, all of which is a catch and release area of the East Branch of the Westfield River.
The water was gin clear and we decided to walk a couple miles to the entrance of the Gilbert Bliss State Forest gate and fish upstream. When we broke off the trail and came upon the water it was a glorious site. Something about a flowing river makes everything in the world stop. So many sights, sounds, and smells to take in it overwhelms the senses. I chose to walk down 100' or so from Sean and fish a deep pool between two rocks that drew my attention. I waded out on the rock and fished behind a large rock and in the deep pool. I didn't see a fish spook and I didn't get any hits. I walked back up to Sean and we started to fish upstream. We fished every nook and cranny of those few miles and didn't see or catch a fish.
Once we got to the gorge we decided to walk down much farther and fish back upstream. We walked another 6 miles down and fished upstream until an access point. We saw lots of great fishable water without a fin in sight. There was 1 particular area of fast water that looked great to me. In the summer it might be a fantastic spot, in the winter not so much. I attacked the pool with the stealth of a mountain lion.
At that point and time the sun really came out and the temps picked up. I'd say it was around 40, so off came the top layer. I moved upriver to the head of that fast water to see if I could entice a trout of some sort, but could not. I thought if there was a trout in that pool the fast water would make them have to react fast instead of inspecting my fly and catching any improper presentation. Yes these are the things that run through my head while trying to catch fish.
After walking and hiking through the snow for 15 miles we didn't find any evidence of fish. At that point we talked about our options to stay or fish another river. Since we both took it personal we decided to walk farther downstream. That didn't help the fish catching situation though. We still saw zero fish and caught zero fish. To me the option of catching a fish was over and it turned into casting practice. I tried different methods and practiced my aiming. A few more miles down I collapsed the rod as we tried to maneuver up and over massive snow banks.
The snowbanks on the side of the river we were on were 6' tall. I am a little over 6' and I was a little taller than them. Across the river they were in the 7' range. Sean waded across to fish the other side, poor guy couldn't accept defeat, and it was a foot or so taller than him.
When it was all said and done we had walked and waded 20 miles. In those short 20 miles we saw zero fish and caught zero fish. We saw hundreds of stoneflies, but no fish. We didn't even spook a fish. On the plus side those 20 miles were a great break-in period for my new LL Bean Grey Ghost wading boots.


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Christmas Eve*
beautiful...Joyeux Noel et Bonne NuitReplyDelete
Dearest Sarah,
What you describe above is exactly what we did... After a deliciously authentic Italian 5-course dinner with our best friends we went to Church where the singing, the organ, the horn and flute made such joyful noises. We left 'filled' in body and spirit home to our warm duvets and slept like angels! Now it is making the phone calls 'home' a cross the ocean...
Merry Christmas to you and compliments for your meaningful blogs!
Mariette's Back to Basics
Dearest Sarah,
Thank you so much for the gorgeousness you're sharing here with us. Stopping by on your page is always a pleasure and the highlight of my days.
Also, thanks a lot for daydreaming together with me this year and become a part of Absolutely Ladylike. I hope my posts has sweetened your days just like a spoon of honey and I hope we can continue dreaming together in next year.
I wish you a Merry Christmas and sending You much love: Eve
Mariette -- sounds like the most perfect evening to me & thank you :)
Miss Eve -- we shall!
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I am happy to announce that this blog has a new collaborator: Alessandra. She will help me to manage the contents and to translate them from italian to english language. This new collaboration is due to two facts. First, our readers are growing in number and we want to give you more detailed information about our Puglia. Second, I am a bit slow in translating from italian to english, I first think in italian then I write in english: let's say that I need to …improve! That's why we decided to start a collaboration with Alessandra. We are going to publish recipes and wine notes from Puglia, travel tips on where to go, what to see and where to sleep. For instance, we will discover ancient masserie and agriturismo, we will suggest itineraries in the countryside of Salento and walks into the old towns, we will go to take pictures of some of the best beaches and so on. Now, let's introduce Alessandra.
Hi Alessandra, tell us something about you
Hi, my name is Alessandra, I am 25 and I come from a little town, Isernia, which is part of a small region, Molise, in the middle of Italy. I grew up and I studied there till my University degree, in Communication Sciences. After that, I decided to move abroad for a while, to improve the languages which I have begun to study at the High school. Furthermore, during my university years, I deeply approached the art of photography, which I liked since I was a child. Actually, I have been always fascinated by the Image, in particular the portrait, the close-up, sometimes very close-up: I loved to observe the people, to look them into their eyes, their static gaze, scanning each wrinkle. On the contrary, in the real life that was almost impossible for me, since I was too shy and I couldn't stare back at somebody. But at the same time, I desired to deepen my passion. Therefore, I planned to move at first to England: London, Manchester, and to remain there, perhaps, with the aim to attend a photographic course and to take pictures every day, every instant. I took part even to some art exhibitions, followed by personal projects. However, at one time, my path changed.
You mean, your passion for the photography moved to the background?
Well, my devotion towards the photography remained, but the priority was another one. Once come back to Italy, I moved again abroad, but this time to Germany, Frankfurt, where I lived for about one year. The first approach with German language was shocking. But then I easily improved it also thanks to my old studies. I also got a job as a teacher of Italian and according to this, I rediscovered the love for my mother language: the perfection of the Grammatik, the musical sound of the words. This important experience allowed me to understand better what I would do in the future. Now I am in Italy and, between a job and another, I read a lot (at least one book per week, if I can) and I study italian linguistics, hopefully to teach. As I have already maintained, I have a great bookishness: I go from Tolstoj, Dostoevskij, Thoreau, Heinrich Böll, Virginia Woolf, Salgado, Borges, Szymborska to Murakami, Philip Roth, Italo Calvino, Quasimodo and many others. Of course, I can't mention all. Finally, I would say that I am honored to collaborate with Fabio for his amazing blog. Through it, you can not only know better the Puglia, but you can also go into the soul of this wonderful region.
I know that you know very well Puglia, what do you like more of this part of Italy?
My family and I arrived to Puglia, indeed to Salento, two years ago. However, my thoughts about this region started earlier, exactly some month before the hot summer. Well, I actually discovered the Puglia thanks to my mum, who extremely and madly loves the sea and the hot weather. If she could, she would live forever in front of the sea. Moreover, she is a poet, thus she needs inspiration to write; so she likes to go exploring magical and meaningful places. Her research was detailed and endless. My sister and I were used to see, from morning till night, my mum researching on internet. The previous years, we went to another beautiful region, Calabria, so we expected to go there again. On the contrary, she finally declared: "This summer, we will go to Puglia." In effect, the real travel begins with words. Then the images, the sounds, the people bring the right meaning. The meet with Fabio happened the second year we went. As usual, through several researches, my mum found out Fabio's blog and sent him some e-mails, included some of her poems. From Porto Cesareo, where we stayed the first summer, we moved to Torre Lapillo (where Fabio has his estate agency), Punta Prosciutto, Torre Colimena. But our will to travel was never enough. Thus, we have driven around Salento, exploring new cities as Otranto, Ostuni, Gallipoli, Lecce, Santa Maria di Leuca.
Some of the best places of Puglia …
We have left our heart in those places. We met lots of sensitive people who showed us a new way of life, their authentic values. Everything there has got something ancestral and, at the same time, quite: the beaches, in some period almost empty, the clear sea, the red ground, the natural food. But what mainly impressed me was the strong sense of identity and the deep devotion to the land. We learnt so much from these people, even to say some word in salentino, the dialect of the place. The strong sense of life, the importance of the roots, the patience, principles which I have observed in every single person I met, have also changed my personal perspective towards my same country. Therefore, I feel thankful with this land and I don't exclude that in the future I will move there, to feel finally at home.
Thank you, Alessandra. And: welcome on board!


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Middle School Sports Night on March 22
East Islip Middle School will hold a Sports Night on Thursday March 22, from 7-8:30 p.m.
All are invited to come out to play fun games and have a chance to win great prizes.
Admission is free. Snacks will be sold.
A permission slip can be downloaded


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Sorry, but specific product you requested is not currently available. Hopefully you can find another option below.
Fur is a Fall must-have, so knit yourself a little gilet, or vest for a chic way to be both cosy and cool With edge-to-edge fronts, a great shape and a flattering shawl collar, it's perfect for layering over a fluid blouse or jersey T-shirt for a sophisticated texture contrast.You can also read the full description or view all Erika Knight Patterns.
We provide endless possibilities for you including yarn, knitting gifts, needles, kits, sale yarn, free knitting patterns, and more! Jimmy Beans Wool is Your Local Yarn Store... Online!