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Fixing the Treasury's forecasting flaws
Published: July 2 2013 - 3:00AMWhy does the Treasury publish forecasts of the economy that don't address market risks, asks Mike Gilligan.
Much has been said recently about the Treasury's capacity to deliver forecasts of the economy adequate for its sensible management. The serious critiques have been confined mainly to economists. Informant columnist Richard Mulgan, who has been a professor of classics and politics, observes that ''economic experts may all agree that the figures are best guesses and nothing more''. Fairfax's venerable economics commentator, Ross Gittins, in an article titled ''It takes no brains to kick Treasury'', puts down the Treasury's critics as ''fools who cater to humankind's unquenchable desire to pretend the future can be known''. Thus, economists seem to be saying that governments have no real option but to plan our economy on an educated guess by the Treasury. This mindset is a problem; deeply ingrained, it is an iconic instance of Nobel prize-winner Daniel Kahneman's ''illusion of validity'', whereby professional groups cling to a peculiar culture despite overwhelming evidence of its destructiveness.
Economists have told us for decades that we live in an ''open, market economy'' - at least since the floating of our currency. In ensuing decades, Australia's economy has been steadily exposed to more and different markets (financials, commodities, carbon, etc), as has government revenue. During this transition, Australians have been regaled with wisdom about the benefits of markets. But the other side of the market coin has been ignored: the risks. Hands up anyone who hasn't heard that markets are risky? So why do we have forecasts of the economy without the risk ever being addressed? Let me explain.
Back in distant administrative times, the Treasury decided that its forecasts would be based on what is termed ''central-case'' modelling. Put simply, if there is uncertainty about a factor then, generally, the average value was chosen for modelling forecasts. This worked reasonably well before we started exposing ourselves to markets. But as market uncertainty insidiously replaced and added to previous relatively predictable factors, the range of possible outcomes widened. Yet, to this day, the Treasury has clung to its central-case modelling. Thus, critical management information, such as how badly the forecast could be wrong and the chances of shortfall, is simply unheard of. Worse, governments are not even aware that it's needed, and could be available with the right attitudes in the Treasury. Even if the Treasury were to apply some ''expert judgement'', research shows that such estimates always underestimate the extremities of how different the future could be, even on matters regarded as within their expertise. Nicholas Taleb refers to this as ''epistemic arrogance'', or hubris about the limits of one's knowledge.
So the Treasury and politicians have accepted the benefits of the markets but turned a blind eye to their risks. A decade ago, a Treasury macroeconomic manager is reported to have said: ''Economic forecasters aren't stupid; what we are trying to do is hard!'' So forecasting was not seen as impossible, just hard. And it was about to get a whole lot harder.
Ten years on, in December 2012, the Treasury released yet another in-house review, in conjunction with an outside reference group (of like background), which recommended, in moderately tolerant terms, a number of enhancements to current practice - again showing faith in the existing process, with no sign of addressing risk explicitly. The review says it ''assessed Treasury's forecast performance against two desirable properties of forecasts:
- no bias: the expected forecast error should be zero; and
- accuracy: the actual forecast errors should be minimised to the extent possible.''
The review's findings were favourable on both bias and accuracy. This is missing the forest for its trees. The Treasury's forecasts are biased by definition: the central-case method means that forecasts will always be walking in the middle of an ever-widening road, the width of which is more than the Treasury realises. As for accuracy, the desire to ''minimise errors to the extent possible'' suggests the Treasury believes it can see through market volatility, at a time when the economic strategy is to grow it. That market risk is termed an ''error'' speaks volumes about this arcane approach. The charts below show how the uncertainty surrounding the Treasury forecasts has expanded over recent decades - that is, the expected ''error'' caused by volatile revenue sources and other market exposures is now far greater.
Yet this review was held up by Treasury secretary Martin Parkinson in a recent speech, in which he said: ''The review was both thorough and extensive. It was a detailed and rigorous assessment of Treasury's forecasting performance against international best practice and the performance of other domestic forecasters, including the RBA, Deloitte-Access Economics and market economists.''
What's the fix? Risk is all about confidence, particularly lack of it. Managing risk requires policymakers to know how confident to be that a chosen course of action will eventuate as desired. Parkinson has reportedly speculated that ''confidence intervals'' could be constructed for each forecast item, based partly on historical evidence of variation between its forecasts and actual outcomes. This is getting there, but reveals the Treasury's sticky faith in its own forecasting ability as the benchmark. If the Treasury had a genuine interest in, and capacity to deal with risk, it would long ago have been analysing and modelling the risk in component parts of its forecasting methods.
The Treasury has talked itself into irrelevance in managing our open, market economy. It's time that a professional who understands risk and markets is given a go. Someone like Reserve Bank assistant governor Guy Debelle, with an authentic competence in markets and risk, is needed to forge a risk culture in a tired Treasury.
Mike Gilligan has been a rocket scientist, head of analytical studies in defence, a strategy and risk specialist in superannuation, and now runs Risk Research International.
This story was found at: http://www.theage.com.au/national/public-service/fixing-the-treasurys-forecasting-flaws-20130629-2p4fr.html


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The Lehigh Valley IronPigs returned home from a 3-5 road trip to Durham and Norfolk and picked up a much needed win over Rochester. The win was big for a team that lost four straight games on the trip by a combined score of 38-16 and then had to hang on for an 8-7 win in the final game at Norfolk to salvage one game in that series. Before the game, manager Dave Brundage talked about how good it was to be back from the trip that felt much longer than eight days. Getting the win in the opener of their four-game series with Rochester was big for the club.
For reliever Jake Diekman, the trip seemed especially long, especially after he allowed three runs in 1/3 of an inning at Norfolk this past Tuesday, blowing his second save attempt of the season. In some respects though, the trip and Diekman's struggles against the Tides may have been just what the doctor ordered.
"Me and [Zach] Miner, we think we need to get in some asses from now on. We're just going to try to piss hitters off as much as possible," said Diekman who pitched an impressive ninth inning against Rochester for his fourth save of the season. "It's pretty much about getting pissed off. Really taking to heart that they're trying to take bread off my table."
Brundage noticed a different swagger to Diekman when he strolled out of the bullpen in the ninth inning against the Red Wings. "I think he had a bit of a chip on his shoulder after that last outing. Norfolk had a lot of right-handers and he struggled and I know he wanted to be back in there and that's what I want to see from our guys. He's an uncomfortable at-bat whether you're a righty or a lefty and when he's on, I wouldn't want to face him no matter how I batted."
One of the big issues for the 26-year old left-hander has been his struggles against right-handed hitters this season. Righties are hitting .319 against Diekman, while lefties have scuffled their way along to just a .150 average. With his new approach, Diekman isn't concerned about what the numbers have been up to now.
"I don't care if they're lefty or righty, not right now," said Diekman. "It's just attack mode. My mechanics are fine and I feel good, but basically, I just feel like I have to get pissed off."
Since opening day this season, Diekman has struggled to get his ERA under control. It seemed like he had figured things out when he went 6 1/3 innings without allowing a run and dropped his ERA from 5.79 on April 16th to 2.79 on April 25th. Then, he was bombed for five earned runs in 1 1/3 innings at Louisville and has struggled with consistency. After recording the save against Rochester, his season ERA sits at 6.38 in 18 relief appearances.
"I think I let a couple of bad outings in the beginning of the year hurt my mood and get me down and I'm just trying to kick somebody's ass now," explained Diekman. "That whole road trip [to Durham and Norfolk] sucked."
Complicating the situation for Diekman is the fact that the Phillies have recalled two other pitchers - Justin De Fratus and B.J. Rosenberg - over the past week and Diekman has been overlooked. He was also overlooked earlier when reliever Joe Savery made two trips back-and-forth to Philadelphia. Diekman pitched in 32 games for the Phillies last season and posted a very respectable 3.95 ERA against major league hitters. While he won't admit it, being overlooked for a return to the big league club is never easy.
"Of course, you're happy for them, because they totally deserve it. De Fratus and B.J. were pitching lights out, it's awesome; it does suck though because they were both on my golf team," lamented Diekman. "But yeah, you always want to put yourself in a position to be called up."
For his part, the trip to Durham and Norfolk is over and Diekman is looking to jump-start his season. He's hopeful that the rest of his team can rally around the rough start (18-24) that Lehigh Valley has had to their season and turn things around before things get too late. The truth is that nearly every IronPigs pitcher was hit hard on the trip, with the exception of starter Ethan Martin, who pitched relatively well in his final start in Norfolk. "He [Martin] pitched his ass off. That guy's nasty," said Diekman of his teammate. "We're good. We can put runs on the board and our starters are good, but that trip sucked. Everyone just needs to blank out those things."

subset: commoncrawl


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Unity seniors could get tax rebates under proposed ordinance
Unity Township may become one of the few municipalities in the region to offer a rebate program to senior citizens that fully pays their local property taxes.
After a series of meetings and a senior citizens forum, Unity's tax rebate committee is prepared to present a draft ordinance to supervisors at their August meeting.
"It's not the largest amount of property tax people are paying, but it's a start," said Supervisor Mike O'Barto, who is chairman of the nine-person committee.
Unity residents ages 65 and older who are eligible for the proposed rebate would have to pay their taxes as usual, then apply to the township for reimbursement for the amount of their local property taxes at 2.2 mills, which averages about $70.
According to the 2010 U.S. Census, 4,097 people over age 65 live in Unity.
O'Barto said he wants to enact the rebate program to help senior citizens, especially those who are living solely on Social Security benefits and feeling the pressure of rising school district and county property taxes.
"The more people I talked to, they were happy Unity was trying to do something," he said.
Greater Latrobe School District passed its 2013-14 budget in June, raising the total millage from 76 to 77, meaning an average increase of $26 in next year's bills.
Pete Sepp, executive vice president with the National Taxpayers Union, said other municipalities across the country have such programs in place, often through permission granted by the state.
"It's often a jointly administered type of situation," he said.
The national group, which advocates for tax reform, in 2011 compiled a list of property tax breaks including rebates or credits and homestead exemptions for groups such as senior citizens, disabled veterans and military members.
Many places have a local option, or "locality levying property taxes has the authority granted by the state government to provide property tax rebate programs at their own discretion," Sepp said.
O'Hara and Findlay townships in Allegheny County, as well as the City of Pittsburgh and the county, have tax rebate programs, said Michael Foreman, local government policy specialist in the Southwest region office of the Center for Local Government Services.
"It's a way to reduce property taxes for the individuals who for the remaining years of their lives are on fixed incomes," he said. "It's really to show a convenience to a group of taxpayers that qualify."
Darlene Upson, a member of Unity's tax rebate committee, said she hopes the township's efforts help other municipalities recognize that senior citizens need help with rising costs.
"Although it's not a lot of money we're going to get back, we're hoping we'll set a precedent," she said. "They've worked all their lives, and I think they deserve a break."
Upson, 57, of Lawson Heights, is a leader of Concerned Citizens of Unity Township and got involved after O'Barto solicited public participation on the tax rebate committee.
"We went over the budget and we saw they're capable of (the rebate)," she said. "I thought it was about time someone helped the senior citizens."
Of the 23,000 residents in Unity, 1,883 surveys sent in January with real estate tax bills were returned. The survey asked for the property owners' names, dates of birth and tax map numbers.
Township officials compiled the average property tax assessment of those who sent back surveys at $22,887. O'Barto said total taxes collected from the survey respondents would amount to $94,812.
Only about 1.8 percent of the township's $5.1 million annual budget would be affected, then, he said, which can be collected elsewhere to make up for the loss.
For example, the township's allocation from the state for oil and gas drilling impact fees is about $60,000 per year, he said. No wells have been drilled in Unity, but the allocation could increase if wells are drilled, O'Barto said.
Senior citizens eligible for the rebate are still responsible for the 1-mil tax that helps fund the township's eight fire departments.
Sepp said the measure is legal because all taxpayers are assessed, but not everyone qualifies for a rebate.
"They're being assessed the same," he said. "For practical purposes, of course, the end result is that one class of homeowner has a lower bill than another on the same type of property."
That's why the National Taxpayer Union is more in favor of lower taxes and smaller government, including broad-based limits on property tax assessment increases that would affect each homeowner, Sepp said.
In April, between 75 and 100 people attended the senior citizens forum, some of whom were concerned for working-poor families who also could benefit from a tax break, O'Barto said.
The income limits, set at $36,500 for a one-person household and up to $52,100 for four people, would give relief where it's most needed, he said.
"There are young people out there suffering today as well as old," he said. "You have to start somewhere."
Supervisors may vote on the rebate program at their Aug. 8 meeting, scheduled for 4:30 p.m. in the township municipal building at 154 Beatty County Road.
Stacey Federoff is a staff writer for Trib Total Media. She can be reached at 724-836-6660 or firstname.lastname@example.com.


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GreatNonprofits is the best way to find great local nonprofits.
Volunteers and donors use GreatNonprofits to search for ratings and reviews of nonprofits in their town.
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People Helping People Inc
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Global Links
4.95114 stars 307 reviews
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We reached out to Operation Troop Appreciation to request used softball equipment in order to start a team for the league on the... more »
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JBurgh serves a vital role in the Pittsburgh region by bringing together young Jewish professionals through community events,... more »
Greater Pittsburgh Literacy Council
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After long time working at restaurants and gas stations, my son Ali met Andres. My son's ,18, dream was to work at Bestbuy. Andrea... more »
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provided great opportunities for me when I was a student at Carnegie Mellon. lots of spirit & a pleasant environment. great building! more »
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The Greater Pittsburgh Community Food Bank is all over Pittsburgh, you cant miss them. Their passion and drive for helping their... more »
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The RockFish Group lands page #16 Ocean Home for Port Ludlow Resort and Front Page for Levelok Corp, Business Journal.
Poulsbo, WA (PRWEB) December 16, 2012
The RockFish Group, has cast a spotlight on two of its local clients in the last month. Levelok, CEO and President, Philip Lanzafame, is featured on the cover of the December issue of Kitsap Peninsula Business Journal. The multi-page article chronicles Phil's dedication and determination and Levelok's success story.
In addition to local press, The RockFish Group is working with nation wide media.
The RockFish Group secured their client, Port Ludlow Resort, recognition in the December/January issue of Ocean Home Magazine. In the Insider portion of Ocean Home, The Luxury Coastal Lifestyle Magazine, Port Ludlow's new homes are highlighted in a piece titled, "Washington Winner".


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SyFy's "Continuum" simply a continuation of a proven TV genre
The mix has worked before.
Syfy's "Continuum," which premiered on Monday night in the U.S., isn't the first show to merge sci-fi with a police action-drama.
"Alien Nation" is probably the first that comes to mind as the purest mix of the two worlds to share a singular story-line that viewers could follow along with on a weekly basis. However, "X Files" and "Ghost In The Shell" and "Knight Rider" all had main characters who used some futuristic technology to solve a mystery.
For "Continuum," it is about a police officer who travels back in time with eight fugitives from 2077, and finds herself in 2012 Vancouver. Originally created for Canadian channel Showcase, the first season of 10 episodes already aired to audiences up north and in the UK before getting picked up here.
The show has a pretty vocal and mobilized fan-base and the show has been contracted for a second season. That's good news for the show and presents a pretty good argument to get sucked into a new show, unlike something from one of the top networks that could disappear if ratings are not large enough in the first three weeks of airings.
Actress Rachel Nichols stars as Kiera Cameron, a protector, a title given to law enforcement officers in the future Vancouver Police Department. In the past, she pretends to be a gang task force member from the Portland Police Department sent up north to help track down a gang set on starting a war.
Although this show hasn't covered any new ground in terms of something new on TV, it's fresh approach and guarantee of a second season makes it worth sacrificing the time and investing in a new show to follow.
End the suspense now and watch the shows on the Showcase website here or catch the airings at 7 p.m. Monday nights on Syfy.
DOPE: According to sources, Lance Armstrong confessed to Oprah Winfrey on Monday his using illegal performance enhancing substances to win the Tour de France.
The famed cyclist has had his multiple titles stripped upon investigation into his training practices and depositions from former teammates.
The more than two and a half hours of interview footage will be edited and is set to air on OWN on Thursday. Oprah will be out and about promoting her special all this week.
GOLDEN OPPORTUNITY: There have been plenty of headlines to have come out of Sunday night's Golden Globe's broadcast, ranging from Jodie Foster's coming out to the great co-hosting jobs that Tina Fey and Amy Poehler did in the broadcast. For the later, it probably didn't hurt that the award show aired on NBC and the network was proud to have two of its shinny stars out in front.
What may have been missed was who was on stage handing out the golden statues to the people who were handing out the golden statues. Francesca Eastwood, daughter of actor and director Clint Eastwood, was the one on the stage moving the hardware. Gotta wonder if she at any point thought, "Feel lucky, punk," as she handed over the globes.
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Residential Disability Parking
Saint Paul provides special parking for people with certain disabilities, including residential disability parking zones, and free limited parking at meters.
Residential Disability Parking Zones
To qualify for a Residential Disability Parking Zone, you must have:
- a disability license plate, OR
- a disability parking certificate
Disability plates and certificates are issued by the Department of Public Safety.
Zones are not installed where:
- off-street parking is available and accessible to the disabled person,
- there is on-street parking generally available,
- there already exists one or more zones nearby that is accessible to the disabled person.
To apply, complete the Residential Disability Parking Zone Application, and mail it to:
Traffic Division
800 City Hall Annex
25 West 4th Street
Saint Paul, MN 55102
The City will review your application, and let you know once approved or denied. If approved, you will get a quote for the cost of installation.
For more information, please contact the Traffic & Lighting Division at 651-266-6200.
Disability Parking at Meters and Signs
Vehicles with a valid disability certificate or plate may park at a City meter with no fee. You may park for up to 4 hours, except for meters marked with a 30 minute maximum.
Once you reach the time limit, you must move your vehicle. You are not allowed to re-park within 2 blocks of your original space.
If you are parking for an extended period of time, we encourage you to use the off-street parking ramps or lots.
For long-term parkers with disabilities, reduced monthly rates are available at City of Saint Paul owned parking ramps. Call 651-266-6200 for details.
If a person has severely impaired mobility and they need to park on-street near their place of employment they may apply for a Special Needs Permit at half the cost of the monthly rate at the nearest ramp, lot or garage. To apply for a Special Needs Permit, follow these instructions and complete this application.


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Professor Bob Dauber regularly teaches courses relating to civil procedure, trial advocacy, and dispute-resolution processes. He also supervises the College's Trial Advocacy Program and has been actively involved in the College's Clinical Program. Professor Dauber's research interests include court-connected mediation and comparative dispute resolution, and he regularly presents papers and workshops on Alternative Dispute Resolution-related topics. Professor Dauber helped design the Lodestar Dispute Resolution Program at the College of Law and was the founding director of the Program's mediation clinic. Before joining the clinical faculty in 1990, he practiced for seven years as a trial attorney with the Phoenix office of Winston & Strawn.
Professor Dauber has won numerous teaching and service awards, and has served on the boards of directors for Community Legal Services, the Arizona Dispute Resolution Association, the Homeless Legal Assistance Project and the Capital Representation Project, and he was a member of the ADR Advisory Board to the Supreme Court of Arizona.


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IN THE HIGH COURT OF KERALA AT ERNAKULAM WA.No. 1555 of 2009() 1. M.AMRITHA KUMAR, ... Petitioner 2. SHAILAJA KUNJAMMA, W/O. M.AMRITHA KUMAR Vs 1. UNION OF INDIA, REP. BY THE PRINCIPAL ... Respondent 2. THE INDIAN BANK CIRCLE OFFICE, 3. THE CHIEF MANAGER AND AUTHORISED 4. THE BRANCH MANAGER, INDIAN BANK, 5. MATHEW VARGHESE, MEENATHEKATTIL HOUSE 6. THE TAX RECOVERY OFFICER, INCOME TAX For Petitioner :SRI.DEVAN RAMACHANDRAN For Respondent :SRI.P.PARAMESWARAN NAIR,ASST.SOLICITOR The Hon'ble the Acting Chief Justice MR.P.R.RAMAN The Hon'ble MR. Justice C.N.RAMACHANDRAN NAIR Dated :08/03/2010 O R D E R P.R. RAMAN, Ag. C.J. & C .N. RAMACHANDRAN NAIR, J. -------------------------------------------- W. A. No. 1555 OF 2009 -------------------------------------------- Dated this the 8th day of March, 2010 JUDGMENT
Ramachandran Nair, J.
Writ Appeal is filed against the judgment of the learned single Judge declining to interfere with the sale of appellant's property effected by the second respondent-Bank under Securitisation Act. We have heard counsel appearing for the appellant, standing counsel appearing for the creditor-Bank, counsel appearing for the 5th respondent, purchaser of the property, and standing counsel appearing for the Income-tax Department, the 6th respondent.
2. Appellant stood as guarantor for a loan of Rs. 30 lakhs granted by the respondent-Bank to an Export Firm on 8.3.2001. When the borrower defaulted payment, the Bank on 31.12.2001 filed O.A.No. 31 of 2002 before the Debt Recovery Tribunal. The amount claimed by the Bank was something around Rs. 34 lakhs. Even though OA did not progress for around 5 years, the Bank had initiated proceedings under the Securitisation Act by issuing notice under Section 13(2) of the Act WA 1555/2009 2 on 20.2.2007. Immediately the Bank made publication in the newspapers on 22.2.2007 and took over symbolic possession by putting a board in the property of the appellant simultaneously. The appellant immediately approached the Bank with offer to settle the liability under OTS scheme. Even though appellant's offer was not accepted, the Bank vide Ext.P7 produced in the WPC agreed to settle the liability on payment of Rs. 55 lakhs on condition of payment to be made on or before 30.6.2007. The appellant initially applied for extension of time for payment. However, later appellant filed appeal before the DRT challenging the Securitisation proceedings initiated by the Bank. During the pendency of the appeal before the DRT, the appellant filed WPC 27182 of 2007 before this Court and this Court on 20.9.2007 disposed of the WPC vide Ext.P15 judgment directing the DRT to dispose of the appeal filed by the appellant challenging the sale notice. This Court further extended the sale posted by the Bank pursuant to Securitisation proceedings by six weeks on condition of appellant remitting Rs. 10 lakhs on or before the date notified for sale. Admittedly the appellant remitted Rs. 10 lakhs before the date for WA 1555/2009 3 opening the tender fixed by the Bank pursuant to sale notice, that was 25.9.2007. Even though this Court had not postponed the sale until disposal of the appeal by the DRT, the Bank did not do anything pursuant to sale notice until 27.12.2007 when the appeal was dismissed by the DRT. In fact, had the sale been conducted on expiry of the time granted by this Court pursuant to Ext.P15 judgment, the sale would have taken place within six weeks from 25.9.2007 that is by 10th November, 2007. On the other hand, the Bank waited for disposal of the appeal by the DRT and on the day following the day of dismissal of the appeal by the DRT, opened the tender received from the fifth respondent and accepted the same. While the reserve price fixed was Rs. 1.25 crores, the purchase price offered by the 5th respondent was Rs. 1,27,00, 101/-. Even though only one tender was received and this Court had extended the sale by six weeks from 25.9.2007, the Bank had not renotified the sale or even extended the time for receipt of fresh tenders. On the other hand, without doing anything further pursuant to judgment, the sole tender received from the 5th respondent was opened and sale was confirmed in his favour. The fifth respondent remitted the WA 1555/2009 4 entire sale consideration by 11.1.2008. However, even after confirmation of sale after receipt of full sale consideration, the Bank did not inform the sale to the appellant until 2.2.2008 when Ext.P18 was issued informing the appellant about the excess amount available with them for refund. The appellant thereafter filed Review Petition 157 of 2008 to review Ext.P15 judgment, which was rejected by this Court leaving freedom to the appellant to file appeal before the DRT. The appellant thereafter filed WPC immediately after receipt of Ext.P18 on 18.2.2008. Even though this Court admitted the WPC and granted stay until further orders, and the WPC remained in this Court for over 1-1/2 years and this Court on 12.6.2009 dismissed the same without considering the appellant's contention challenging the sale effected by the Bank in violation of norms and fair play, but relegated the appellant to file appeal before the DRT. Immediately on the next day, the Bank and the 5th respondent arranged for execution of sale before the Sub Registry. It is against the judgment of the learned single Judge that this appeal is filed by the appellant.
3. Counsel for the appellant first contended that it was not just WA 1555/2009 5 and proper for this Court to have now relegated the appellant to alternate remedy after admitting and keeping the WPC pending for over one and a half years by which time, the time for appellate remedy has expired. Even though counsel appearing for the respondents opposed the same, we are inclined to accept appellants' contention because we are satisfied that the sale was not conducted in a fair and proper manner and that is the reason why WPC was admitted and stay against all proceedings was granted by this Court. It is settled position that High Court in it's discretionary jurisdiction can entertain Writ Petition ignoring alternate remedy available and after keeping the matter pending for long and after lapse of the time provided for seeking alternate remedy, it would not be proper for this Court to relegate the party to alternate remedy. Therefore in our view, the learned single Judge should have considered the pleadings on merits and since it was not done, we proceed to consider the Writ Petition challenging the sale on merits.
4. Appellant has raised various grounds challenging the sale. In the first place, counsel pointed out that the sale is in violation of WA 1555/2009 6 Ext.P15 judgment, particularly when the appellants had remitted Rs. 10 lakhs,which is 20% of the OTS amount offered by the Bank for settlement of liability, as a condition for stay granted by this Court for six weeks. In fact it is clear from Ext.P15 judgment that it was not brought to the notice of this Court that sale was through tender and not through auction. In any case, when this Court extended the sale by six weeks from 25.9.2007 it was the duty of the Bank to have renotified the sale or at least extended the time for receiving further tenders particularly when only one valid tender was received as on the last date notified for sale. There can be no doubt that the sale should be conducted in a fair and reasonable manner so that borrower's/guarantor's property should fetch maximum price so that borrower can get refund of excess, if any, over the debt amount. The procedure contemplated under the Securitisation Act is a fair one, purpose of which is to give maximum publicity for public sale of property so that it is sold at the highest price in the market. In our view, the Bank violated the direction issued by this Court in Ext.P15 judgment in more than one way. In the first place, the sale was not WA 1555/2009 7 conducted immediately after the expiry of six weeks granted by this Court. On the other hand, the sale was really conducted on 28.12.2007 that is one year beyond the time granted by this Court in Ext.P15 judgment. Further, it is admitted that the Bank has not issued any fresh publication or extended time for receipt of tenders, even though sale was made beyond one year and three months from the last date originally notified for sale of the property through receipt of tenders. It is a known fact that price of the property was increasing in an unprecedented level during this period and Bank very well knew that the price of notified property would have substantially gone up when they opened the tender, which is one year and seven month after the last date fixed for receipt of tenders. Therefore obviously the sale made based on tender received more than one and a half years back does not reflect the market price.
5. The next contention raised by the appellant is that the sale should not have been based on sole tender which is just above Rs. 2 lakhs of the upset price fixed by the Bank. Here again when the sale did not take place pursuant to Court orders, it was the duty of the Bank WA 1555/2009 8 to invite fresh tenders so that more tenderers would have participated in the tender. Even though we do not want to go into the allegation of malafide, and collusion between the Bank and the purchaser, the 5th respondent, we cannot rule out the possibility because the sale was not even informed to the appellant and he got communication only after one month of confirmation of sale and receipt of full consideration from the purchaser. In other words, the Bank did the transaction in a clandestine manner without even informing the appellant who even after sale has remitted Rs. 10 lakhs pursuant to Court orders to show his bona fide to retain the property. We also do not approve the Bank's attitude in the whole matter in registering the sale deed immediately after the dismissal of the Writ Petition which is obviously to deny the appellant the remedy of appeal before this Court. We feel there is substance in the contention of the appellant that property which is 70 cents of prime property in the Kochi City worth several crores of rupees is sold for very low amount of Rs. 1.27 crores , and the only loser is the appellant. In the above circumstances, we feel the sale is liable to be set side on the above grounds. However, we feel the fifth WA 1555/2009 9 respondent is entitled to lumpsum compensation because in our view there were lapses on the part of the appellant also at least in settling the liability under the OTS scheme which we feel is quite reasonable. Further the fifth respondent has remitted the entire sale consideration over two years back. Considering the amount remitted by the fifth respondent, which is Rs. 1,27,00,101/- and the stamp duty and registration charges of Rs. 23 lakhs paid by him, we feel appellant would be ordered to pay a lumpsum amount of Rs. 2 crores to the fifth respondent for cancellation of sale. We make it clear that our order is passed by taking into account interest at the rate of 18% per annum and stamp duty and registration charges spent by him. Accordingly, Writ Appeal is allowed by vacating the judgment of the learned single Judge and by allowing the WPC with the following declarations and directions:
(1) The sale by the Bank of the appellant's property in favour of the fifth respondent will stand set aside and the sale deed shall stand invalidated on condition that appellant gives a DD for Rs. 2 crores from a local Branch of a WA 1555/2009 10 Nationalised Bank in favour of the fifth respondent and the same will be handed over to him within two months from now. If payment is not made as above, sale in favour of the fifth respondent will stand confirmed and Writ Appeal will stand dismissed.
(2) If appellant makes payment as above, and sale gets cancelled by operation of judgment, then on giving DD the fifth respondent will hand over original sale deed obtained by him from the Bank to the appellant for the appellant to produce before the Sub Registry and revenue authorities for cancellation of registration, mutation, if any effected, and for restoration of property in the records of the Sub Registry and revenue authorities in favour of the appellant. (3) The Bank will remit the excess amount available with them to the Tax Recovery Officer in pursuance to the demand to be credited in the account of the appellant, and it is for the appellant to claim refund, if eligible for him. (4) We leave it open to the appellant to claim refund of WA 1555/2009 11 stamp duty , if refund is eligible. However, we make it clear that in view of the above judgment, if there is eligibility for refund of stamp duty, the same should be paid to the appellant.
(P.R. RAMAN) Ag. Chief Justice (C.N.RAMACHANDRAN NAIR) Judge.


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New friend notifications on Facebook, weekly events newsletters, Twitter updates; the list goes on. As web-based services have come to permeate our lives, so too have automated email updates come to permeate our inboxes.
Such messages present a dilemma. They resemble spam in that we are bombarded with them daily. Subscribe to too many web services and you may soon find that such updates are clogging your inbox, just like spam. They are unlike spam, however, in that you actually want to read them, at some point – just not right now. Computer geeks now have a term for this kind of troublesome "non-spam spam": Bacn. As in, bacn is better than spam, but still clogs your inbox. Read more


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Marianne Chilutti, MS
Manager, Data Management
Marianne joined DBHi's data reporting and management group as its manager in 2011 after serving in a clinical research data management leadership role at Sanofi-Aventis for 18 years. Marianne serves as the advocate for user-managed data management via DBHi's implementation of the REDCap program and is responsible for both its daily operation and long-term strategic development. She leads efforts to incorporate other data sources into clinical research such as electronic health records. Marianne also helps to manage clinical data reporting for those researchers seeking access to patient record and aggregate data within CHOP's electronic health record under the governance of IRB-approved protocols. She holds a master's degree in medical engineering and instrumentation from University of Paris-Est Creteil.


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I want to start today's post with a quote from one of the greats – Albert Hadley. He said, "So many young decorators are trying to reinvent the wheel, and the results are sometimes very dubious. They're striving to do things that have never been done before. Quite often it is done without authority, without knowledge, and without a background in taste. They need to be educated about the past, and they need a richer vocabulary."
I read this quote several months ago and it really hit home. It was around that time that I was grappling with the idea of taking on a few small projects being offered to me through friends and acquaintances or trying to find part-time work at a firm to get a completely different type of experience than the one offered at school.
When you apply to design school, you don't realize that they won't teach you some of the most important aspects of the business – writing purchase orders, shopping the D&D building, working with clients (major, major things)! Learning to draft and developing a stronger background in classical and neoclassical architecture last semester were extremely important aspects of my education but I kept feeling like there was something missing…
To cut this long story short, I quietly applied for and accepted a three-day-a-week internship at Bunny Williams, Inc. My first day was yesterday! It was exciting and scary all at once to get thrown into the mix but just the thing I need to supplement school with. I can already tell it will be an education in and of itself. Along with my studios, classwork, and wrapping up wedding plans, I'll surely have my hands full during these next several months.
What this means for us? I will definitely have less time to take on the small projects I was planning and maybe (eep) a little less time for blogging… With that said, I plan to continue posting as often as possible (I'm sure inspiration will be aplenty these days) and I hope you'll wish me luck as I start this new chapter of my burgeoning design career. Below are a few images from Lonny Magazine of Bunny's sample room where I'll be spending most of my time. Isn't it gorgeous?
So now that I've chewed your ear off, I want to know, have any of you started a new job, project, or chapter of your lives recently? Please share!


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i was looking at Muir's API improvement, and it looks like it's something real. however, i want to assure the group that despite the hours of volunteer work we did on saturday mornings last year on test prep, it is most definitely NOT a real improvement and should be no cause of comfort to anyone. we went up in 2000, down in 2001 and now up in 2002. as i have indicated on this list, these fluctuations are entirely due to the presence of absence of certain cohorts.
For example, this past year we had the good cohort of the class of 2003 (the one Mary Dee got to see the homecoming candidates of, and the one to produce the just announced Rose Court princess) and a good cohort of the class of 2005. However, next year, I am announcing right now, Muir's API will not meet its target, and will probably even go down.
This is because next year, we will have two "bad" cohorts, the classes of 2004 and 2006, currently our 9th and 11th graders, taking the test. Our current 11th graders did terribly last year, and have all along their history. Their poor behavior and lack of academic focus was very noticeable last year as 10th graders. This year, I can tell you that the 9th graders are bouncing off the walls.
They are horrible. Class is something they do in between the passing periods, lunch or nutrition break, when they chase each other through the hallways, into classrooms, yelling at the top of their lungs, etc. We had three fights the other day, mostly between 9th grade girls!
I can tell you right now that the presence of these two bad cohorts cannot mathematically be overcome by our good cohort, our current 10th graders. The laws of math do not permit one grade's good scores to outweigh the bad scores of two grades. Sorry, and it has absolutely nothing to do with teachers or curriculum, although i know that many on this list, and the guy quoted in the PSN from the state about "holding schools and teachers accountable (what nonsense!)," and George McKenna, and our site administrators, would have you believe that it is we teachers' fault. Absolute rubbish.
The difference between our scores and those of the vaunted surrounding, higher SES districts is, as we all know, directly correlated with SES. As I said in the Pasadena Weekly in response to McKenna's nonsense, the reason for this is lack of buy-in and seriousness of purpose. Let me be more specific.
The behavior of our 9th grade, low-SES students in no way correlates with the behavior of serious students. These are the kids whose parents I did not see tonight at Back to School night.
As an interesting observation, the parents of my BEST, and only my best, 9th graders showed up. The parents of the three students who got B's. No, the kids whose parents didn't show up are the kids who aren't in the disproportionately high SES band/choir. Their parents were not at school tonight. Teachers can tell you there is a 1 to 1 correspondence between the good students and the parents who show up.
Since Muir is about 48% African -American, most of these poorly-behaving students tend to be of that ethnicity. Obviously, there are very well-behaved African-American students. I noticed that I saw their parents tonight. But overwhelmingly, the students whose behavior makes the hallways deafening, who yell out for the teacher and demand immediate attention in class, who cannot seem to stop chatting and are fascinated by each other and relationships but not with academics, in short whose behavior saps the strength and energy of us that are on the front lines, are African-American.
Eventually, someone in power will have the courage to say this publicly. The test scores certainly bear this out, as African-Americans are our lowest scoring group by far.
This is the problem in Pasadena. Most teachers are not African-American. And as a physics type, I can tell you there is this thing called the conservation of energy. We only have so much.
The students I am speaking of, who demonstrate such behavior, seem to only behave when we get very angry at them, which saps our energy considerably. I have seen two science teachers in my department who get the lower SES students to behave very well. They are both African-American and have no trouble "going off" on the kids. One of them is considering retiring as he is tired of it. By the way, this is also one of the major reasons for the high turnover in the PUSD, poor behavior. Of course the presence of the Puzzle Palace at 351 S. Hudson adds insult to injury.
Despite the message that we teachers get beaten up with every Monday morning, i. e., that we are not doing enough, etc., curriculum standards have nothing to do with it. It is about student buy-in. Standards of behavior, or the lack thereof, do have a lot to do with it. Serious academic behavior is the reason for high scores.
Somehow, in the ridiculousness of the accountability movement, someone decided that we could force people to behave, to learn, to achieve. Sorry, that's not the way human beings work. They do get inspired by teachers, but we know, as evidenced by the district's blatant disregard for the no-teacher situation at Blair, the no-schedule situation at Marshall, that the district has little regard for its teachers and its school sites. So it's very hard for a teacher to have good morale and be inspiring.
No, for the PUSD brass it is all about looking good, as so many listmembers have shown. No serious collaboration between the new brass, and the people that actually work with our students, and know a few things, has taken place since the arrival of our country bumpkins. I doubt any real collaboration has occurred between the brass and our site administrators.
Certainly our site administrators are now just toeing the party line, passing along the simplistic mindset of the brass. As I said, what it amounts to is piling more work and blame on the teachers, and never really listening to us. Making us fill out forms that make for site plans that once again "look good." And making simplistic administrative decisions that cut promising programs that have proven records of inspiring youngsters.
How did the seemingly intelligent, good people on the Board decide to completely trust the administration of our schools to these folk downtown? People who sit in their Puzzle Palace and think of silly homework policies that bear no relation to a real classroom situation. Why do we continue to allow there to be such a structure?
Scott Phelps


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D&AD: Display of Affection
The winners of D&AD's Portraits of Contemporary Youth, now at the Neu Gallery
- TextRena Niamh Smith
- PhotographyAlexander Kell
The winning entries of the D&AD Student Awards were unveiled at a cork-popping launch at the Neu Gallery in Shoreditch Thursday. To capture the spirit of youth – that was the brief set out by the Dazed team a few months ago. Thirteen finalists and three winners were on hand to talk through their pics on the night: baby-faced soldiers, selfies and snapshots of loneliness. See the full selection and judge for yourself.
"Portraits of Contemporary Youth", an exhibition of photographs in collaboration with D&AD, Making Pictures, and Metro, and is now on display at 30a Redchurch Street, London E2 7DP.
Follow Rena Niamh Smith on Twitter here @renathinks


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The following are links to pages that provide you additional information about our Dietetics Program, as well as about AU.
Students who graduate from the AU Didactic Program may also take the Dietetic Technician Registered Exam (DTR)
Registered Dietitians who wish to practice in the state of Ohio requires state licensure. To find out more, click here to visit the Ohio Board of Dieteitcs: http://www.dietetics.ohio.gov/ which oversees state licensure.
Interested in attending the Food and Nutrition Conference and Expo (FNCE) in Nashville, Tennessee, Fall 2015? Visit the Academy's website: http://www.eatright.org/fnce for more information


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H.Brydon wrote:differentiating between keeping it cold vs letting it go to room temperature, then back to "cold".
H.Brydon wrote:And of course the Brits/Europeans would not refrigerate it at all, just keep it a little below room temperature.
H.Brydon wrote:Brits/Europeans would not refrigerate it at all
Richard Andrew x64 wrote:Does beer get ruined if the unopened cans are stored at room temperature before being chilled and served?
Michael Martin wrote:the high 30's to 4
delete this;
General News Suggestion Question Bug Answer Joke Praise Rant Admin
Use Ctrl+Left/Right to switch messages, Ctrl+Up/Down to switch threads, Ctrl+Shift+Left/Right to switch pages.


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Open Tuesday to Saturday 7:30 am to 5:00 pm
Waddill Wildlife Refuge and Outdoor Education Center is 237 acres of hardwood bottomland that borders the Comite River. It provides teachers of all grade levels an opportunity for their students to explore and experience the natural world. Features and facilities available at Waddill include a classroom, two fishing ponds with fishing piers, picnic pavilion, trails, archery range, restrooms, and a sand bar on the river. Most of facilities are handicap accessible. If you would like to plan and schedule a field trip to Waddill, please fill out a facility request form and email it to email@example.com [3]. If there is availability, the manager will send a calendar appointment via email. If there is no availability, the manager will request new dates.
WaddillOutdoor Education Center is conveniently located in Baton Rouge on North Flannery Road. It is the perfect place to get away from it all either with family or by yourself. We offer two ponds for fishing (catch & release only), nature trails, a swamp, the Comite River, picnic facilities, and plenty of open spaces. Waddill is a little piece of wilderness in your own back yard.
Anyone who is an educator, formal or informal, will appreciate the educational opportunities at Waddill. Our large, temperature controlled education building provides room for pre and post activities and is equipped with a TV and VCR.
If you wish to use our wildlife educator to present a program to your group or would like to use the education building, we ask that you contact us for reservations by filling out the Facility Request form. No reservations are required to use our outdoor facilities, however, be aware that you may be sharing the area with other groups.
We look forward to working with you in bringing your students a greater appreciation of the environment and their role in it. If you have any questions or would like to make a reservation please contact:
Karla Allen
Waddill Outdoor Education Center
4142 North Flannery Road
Baton Rouge, LA 70814
Phone: 225-274-8192
Email: firstname.lastname@example.com [3]


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Skip to Main ContentSkip to Top NavigationSkip to Footer
The Graduate School offers the administrative structure, leadership, and guidance necessary to support graduate education at Louisiana Tech University. The staff members of the Graduate School work with the Vice President for Academic Affairs, the Graduate Council, the academic deans, and the graduate programs and faculty to help provide students with a superior educational and research environment within which to pursue rigorous, challenging, and relevant graduate and professional degrees.
Prior to beginning the application process, we encourage you to print or save the instructions for completing the online application. You should also review the website and curriculum for any additional requirements for the specific program you desire.
After submitting the application, no further changes can be made by you without notifying the Graduate School via email.
Phone: (318) 257-2924
Fax: (318) 257-4487
Email: firstname.lastname@example.com
Graduate School
Louisiana Tech University
P.O. Box 7923
Ruston, LA 71272
Graduate School
Louisiana Tech University
Wyly Tower Room 1642,
1310 W. Railroad Avenue #7923
Ruston, LA 71272


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Life insurers lag behind their bank and general insurer counterparts in the internet and mobile technology race, a problem that needs to be addressed as customers turn to technology when buying policies, says one of the country's biggest life insurance companies, CommInsure.
"The customer experience [around buying life insurance] is still pretty much a 20-page application written by lawyers and underwriters – it's not a great customer experience," he told an AB+F business luncheon in Sydney on Friday.
"We've got a long way I think . . . to crack that nut to make the life insurance purchasing process much more engaging, much more interactive," he said.
The comments come as the latest World Insurance Report from Capgemini and EFMA showed insurers needed to invest in mobile technology if they wanted to improve their multi-distribution strategies. The research showed that offering policy quotes through mobile platforms would likely become a "critical differentiator" for insurers.
Only 23 per cent of insurers surveyed across the globe offered quotes on mobile, but that number was predicted to rise to 70 per cent in two years' time.
"While face-to-face remains the primary form of interaction for most insurance customers, mobile has become vital in the drive to meet customer needs in terms of access, with a growing number of customers using their mobile phones to engage with insurers," according to the report.
"In fact, mobile is becoming the channel of choice for a number of customer interactions, especially on the research and servicing side."
Mr Rayson noted that not all of the investments pumped into research and new technology would yield long-term results. Some of the new technology introduced to customers might be short-term gimmicks but insurers still needed to address customers' demands as reliance on internet and mobile platforms increase.
"Most customers, regardless of what they're buying these days, expect convenience, they expect value, they expect transparencies.
"In some cases we need to be agile and get something out there [even] knowing that it may last only two years," he said.
Capgemini's research found that claims services represented the most widely available mobile "self-service" feature offered by insurers. Its usage is expected to soar from 16 per cent today to 73 per cent in two years. Meanwhile, the number of insurers creating technology that enables customers to make policy changes on their mobile phones is also tipped to rise sharply, from 9 per cent today to 52 per cent in two years.
At the same time, big data has also opened up new channels of information for insurers, which could aid companies' pricing of policyholders' risk.
Tony MacRae, executive general manager of intermediary distribution at
"The quality and depth of data that you get in the US is 10 times what you get in this country – but it will come here, and it will come quickly," he said.
"There's no doubt we're going to use it, everyone's going to use it to drive better risk analysis."
Stephen Browne, insurance director at financial services technology giant CSC Australia, argued that insurers should be looking at information technology as an enabler of "minimising costs, maximising outcomes".
"There's technology out there now that you can dump large databases of information unstructured into memory and terabytes, and terabytes on data and work on that data. [We] need to leverage that a lot more," Mr Browne said.
The Australian Financial Review


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Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
We'll match your job to the relevant tradesmen in your area - those interested will pay to see your contact details and call you to quote.
As each tradesman expresses interest in quoting on your job, we'll send you their profile and ratings to help you choose the right one for you.
After the work is complete, return to the site and rate your tradesman based on their quality of work, reliability and value for money.
Window & Conservatory Specialist
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We have upvc window in our bathroom, the lock has stuck on and unable to open the window
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Hello~ one of the roof panels has slipped slightly causing a leak at the top of the roof join....
Window & Conservatory Specialist
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UPC door hard to close needs adjusting.
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Added 29/05/2013
Unsold lead, updated details: It would appear that the hinge is faulty Original: Repair to...
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The flat roof on the conservatory has bowed under the weight of snow
As a single lady I was extremely worried about having my fascias and soffits replacing with no recommendation from friends. I needn't have worried, the sales manager reassured me throughout, the job completed fully to my satisfaction wouldn't hesitate to recommend.
An excellent job. Thanks to Carl and team.
Darren provided a very competitive quote & excellent service, I would use his services again and have no hesitation recommending him to other people
CIVICON have dealt the project with an excellent commitment and professionalism. We are highly satisfied with their work. CIVICON have demonstrated a great attitude with customer orientation and customer satisfaction.
Managing your job is easier with the Rated People Homes App, download it today.


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Samsung HT-BD7200 (HTBD7200)
Blu-Ray Home Theater System with Full HD Playback and Virtual Surround Sound
Get FAST answers from customers ASK a Question See questions answers
- Blu-Ray Home Theater System with Crystal Amplifier Technology
- Full HD Playback for vivid, crystal-clear pictures that are more natural and stunning
- Up-converts DVDs to high-definition quality, bringing out the best in old movies
- Dolby TrueHD, Dolby Digital, DTS and DTS-HD audio processing
- Blockbuster On Demand to watch the latest movies without leaving your living room
- Stream over 12,000 movies and TV episodes directly to it
- Upload videos and stream them right to your TV via YouTube or search through the videos of other users
- Stream music from Pandora to play through your home theater system
- 2.1 Channel virtual surround sound processing
- Anynet+ (HDMI-CEC) delivers one-touch control for all your HDMI-connect devices
- DVD, DVD+/-R/RW, CD-R/RW, DivX, MP3, JPEG Compatible
- Listen to the TV privately with a wireless Bluetooth headset
- USB Input to record music to your thumb drive from your home theater system
- 1-year Manufacturer's warranty
- Total power: 400W
- Number of channels: 2.1
- DVD Disc capacity: 1
- HDMI Output
- 1 Audio input
- 1 Optical input
- iPod compatible (video, audio, iPhone)
- 1 Headphone jack
- Dimensions (subwoofer): 11.73"D x 10.08"W x 10.08"H
- Dimensions (front speaker): 7.28"D x 7.28"W x 23.8"H
General Specifications
If the loaded enclosure or amplifier and subwoofer package includes more than a single subwoofer, then this is the total peak power handling for all of the subs combined.
Peak power handling refers to the amount of power a speaker can handle during a brief musical burst. The RMS power range figure is a much more reliable rating for determining the speaker's power requirements.
DVD Player
Pandora Radio
This means that the device is able to reduce more noise with the help of a digital processor.
It is a system that tries to filter out "digital noise", aka picture distortion. This distortion can occur for many different reasons. Anything from the very power used to operate the device to the lights (LED) on the front of the player itself.
This means that the devices will enhance the framerate of older videos to play smoothly on the display set.
Film is usually shot in 24 frames per second with 2 fields per frame. One field for the even lines, and one for the odd. The standard NTSC broadcast is 30 frames per second. To achieve this frames have to be created to sustain a smooth image. So out of every 4 frames, a 5th frame is created by combining opposite fields of consecutive frames, in turn creating a new frame so the outcome will be 30 frames from 24.
AA|BB|CC|DD to AA|BB|BC|CD|DD
For other appliances, this means that the front display can show other information such as cooking time, countdown timers, and more. For more information on the front display, please refer to the product description.
If the unit is capable of karaoke, then it will offer playback of karaoke discs and often come with a microphone. Please read the description carefully to know exactly what karaoke features the unit has.
Video & Audio Playback
Dolby Digital Plus
Dolby TrueHD
DTS-HD Master Audio
Expandability Features
Composite Video is a format for analog moving images, prior to around being added. It is commonly found as the yellow RCA connector for your video device.
Speaker Specifications
Receiver Specifications
Warranty and Return Policy
Summary of Customer Ratings & Reviews
Product Summary
Model Number
Internal SKU
Internal Product ID
Wiring Diagram Legend
Warning: The image depicted shows the resistance change when wiring multiple subwoofer terminals. Please refer to your subwoofer's owner's manual for the proper wiring of its terminals. Sonic Electronix, Inc. is not responsible for damage caused to your audio system or vehicle due to improper installation. Please call tech support at 1-877-289-7664 if you require additional assistance.


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This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution license (http://creativecommons.org/licenses/by/3.0/).
This Special Issue of
These are exciting times for RNA molecular biologists, especially those concentrating on eukaryotic non-coding RNAs (ncRNAs)! New RNAs are constantly being found, e.g., thousands of large circular RNAs have recently been identified in human cells, some of which are shown to act as regulators that bind and sequester microRNAs [
This Special Issue of
We indeed hope the readers will enjoy this Special Issue of
I thank the Department of Molecular Genetics and Microbiology, School of Medicine, Stony Brook University for support.
The author declares no conflict of interest.


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The purpose of a refeed is to make up for the fact that you are restricting. If you're not eating a diet that doesn't meet your needs, you shouldn't need that, or at least not very much.
And the last question for now, when I'm done with all this, maybe when I reach my goal or sooner, what do you guys think will happen? I think it is all right to do this kind of challenge for a shorter period of time, but I can't see myself planning and doing this for the rest of my life. Will I continue eating around 1600 cals, plan refeed days and never enjoy a few nuts once I'm done?


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Home Gemstones & Crystals Gemstone Jewelry Symbols Astrology Color Meaning
Rainbow Moonstone Passion Pendant
Shipping fees
2.1" tall (with bail)
white with lot of flash;sterling silver wire wrapped setting
Love, Power, Inspiration
More Moonstone JewelryRead about MoonstoneSterling Silver Chains
This ancient Egyptian love stone is associated with rebirth and creativity. Moonstone embodies the energy of the full moon at it's highest power.
Moonstone, like the moon, enhances emotions and amplifies sexual energy. It will inspire passion in your relationships.
previous page Site Map


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Photo courtesy the Golden Gate Bridge, Highway & Transportation District
With hopes of closing a projected $132 million deficit and decreasing congestion, the operator of San Francisco's world-famous Golden Gate Bridge is considering moving toward a cashless toll system.
The Golden Gate Bridge Highway and Transportation District on Friday, April 9, approved the study of a plan to have all tolls electronically collected by 2013. If approved, the bejeweled landmark would be the first California bridge with unmanned, electronic-only tolling booths, according to John Goodwin, spokesman for the Metropolitan Transportation Commission and Bay Area (Calif.) Toll Authority.
"It's certainly a trend, there's no question about that," he said. "At this point, the challenges are technological rather than administrative."
View Full Story


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I've been following the Bootable USB Thumb Drive with Full Disk Encryption how-to to install Backtrack 4 on my Asus eeepc 900 and had no problem creating a working USB thumb drive. I repeated the procedure to install it (and encrypt it) on my SSD but Ubiquity crash when I reach step 4. I can see the partitioning screen for a second and it just crash.
I since tried without encryption (simply running the install.sh script) and I encounter the same problem.Code:
bt ubiquity[8039]: Device /dev/sdb1 not found in os-prober output
bt ubiquity[8039]: Switched to page stepPartAuto
bt ubiquity[8039]: Exception in GTK frontend (invoking crash handler) :
bt ubiquity[8039]: Traceback (most recent call last):
bt ubiquity[8039]: File "/usr/lib/ubiquity/ubiquity/segmented_bar.py", line 500, in do_expose_event
bt ubiquity[8039]: cr.paint()
bt ubiquity[8039]: MemoryError
bt ubiquity[8039]:
bt ubiquity: /lib/partman/lib/base.sh: line 146:
/lib/partman/automatically_partition//do_option: no such file or directory
Any idea on what to try next?? :)


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text: USDA program targets 29 rural W.Va. counties for aid By Rick Steelhammer January 16, 2014 Story Share CHARLESTON, W.Va. -- Twenty-nine West Virginia counties have been added to a U.S. Department of Agriculture initiative targeting persistent poverty in rural America.Of the 703 U.S. counties with poverty rates above 20 percent, 537 are found in rural areas, according to a survey by the USDA's Economic Research Service."There's a significant rural component to poverty in America," U.S. Secretary of Agriculture Tom Vilsack said in a teleconference call with regional reporters. "The average wage-earner in a rural county makes $6,500 a year less than an urban worker" in the same region, Vilsack said.As a result, "people in many rural areas feel disconnected from the rest of America and left out. We decided it was time to address this feeling," Vilsack said.The USDA antipoverty program, called StrikeForce, matches federal funds with local projects and their sponsoring organizations. Last year, the program financed, among other things, more than $9 million in micro-loans to beginning and socially disadvantaged farmers, and $68 million for community buildings in StrikeForce areas.Since 2010, the StrikeForce program has partnered with more than 400 community organizations, businesses, foundations and universities to provide funds and technical expertise for more than 80,000 projects, channeling $9.7 billion in investments into rural America.Projects StrkeForce has been involved with range from financing summer feeding programs for rural schools and building tribal administration offices for American Indians to providing farmers with funds for seasonal greenhouses and providing loans for rural housing. StrikeForce began operating in 2010, starting in three southern states. Since then, rural poverty areas in 16 additional states were added. Vilsack's announcement earlier this week that 29 West Virginia counties would be included in the program, along with impoverished counties in Kentucky, Tennessee and Louisiana, brings the number of states served by the program to 20.By working on problems identified by local community groups, universities and businesses, the USDA avoids the off-putting "I'm from the federal government and I'm here to help" approach used by some agencies, Vilsack said."The StrikeForce strategy of partnering public resources with local expertise is helping to grow rural economies and create jobs" in rural areas with persistent poverty, Vilsack said.In coming months, a StrikeForce team will travel to West Virginia to begin identifying projects that could benefit from the program, according to the Agriculture secretary.The West Virginia counties in which the program will operate are Barbour, Boone, Braxton, Cabell, Calhoun, Clay, Doddridge, Fayette, Gilmer, Hampshire, Lewis, Lincoln, Logan, McDowell, Mason, Mercer, Mingo, Nicholas, Pleasants, Randolph, Ritchie, Roane, Summers, Tyler, Upshur, Wayne, Webster, Wirt and Wyoming.For more information on the USDA initiative, visit www.usda.gov/strikeforce.Reach Rick Steelhammer at email@example.com or 304-348-5169. Story Share Story Share Trending Now 1 Kanawha magistrate Yeager resigns amid embezzlement investigation 2 Late documents put WV public colleges under financial aid restrictions 3 WV resettlement group says refugees scheduled to arrive in fall 4 Peace and quiet draw visitors from afar to Elk River campground 5 DEP's Caperton calls federal conflict of interest review 'offensive' Building 3 renovations at Capitol back on track Previous Story Bulletin Board: Jan. 17, 2014 Next Story


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NordicWare Rose Bundt Cupcake Pan
The idea of rose-shaped little cupcakes is too precious for words. I guess I'll have to whip up some Magnolia Bakery rose-scented frosting to go on.
cupcakes are the "it" thing what better to carry your sweet treats in than this courier??
This cupcake kit contains recipes and other decorating tools. Take a look at the other picture for a glimpse of the cute liners included.Added 9 Years Ago from Chronicle Books
I bake so that people will love and need me. Just kidding (partly). If I use these amazing cupcake they'll be mine forever! Muahahahahaha.
Hmmm!! This is the most wonderful cake mix your oven will ever see. I have had the pleasure of baking the Sprikles Red Vevelt cupcake mix to my friends and family and they didn't make it through the night. I love baking, speci... Hmmm!! This is the most wonderful cake mix your oven will ever see. I have had the pleasure of baking the Sprikles Red Vevelt cupcake mix to my friends and family and they didn't make it through the night. I love baking, specially cupcakes and this is by far the best cake mix i've ever used. It's nothing like what you'll find your local supermarket. I love the recipe i have from my mom, it makes lovely light & fluffy cakes everytime, but this mix is impossible! The batter is a deep velvety red and baked evenly and beautifully. The cupcakes were nothing short of perfect, rich and delicious with the most delicate taste of chocolate. The mix also comes with a recipe for cheesecake frosting which is attached to my fridge door. It's the perfect combination. And to top them off, this cupcake mix also comes with the signature confectioners' red dots. The room was filled with sounds of ''mmmm''.
this thing can hold 38 of your beautifully decorated cupcakes!Tags: home, food, kitchen, gadgets, cooking, baking, accessories, style, entertainingAdded 9 Years Ago from Cooking.com
Want to make individual cupcake gifts? Here's the perfect packaging.
The maker of these amazing crocheted cupcakes is actually selling the instructions on how to make them. Amazing work.
This stand holds 12 delicious cupcakes. Great for smaller occasions.
I love these! There not used often enough.
What kid or palentologist friend wouldn't love these?Added 9 Years Ago from Thepartyworks
Cute seasonal touch to delicious baked goods.
Sprinkles. For adding a little extra flair to your baked goods. I'm especially loving the snowflake sprinkles.
Fun! Not that cupcakes need shapes to make them more perfect, but why not. It will still taste the same.........right?
Transporting cupcakes, and cakes in general, has always been a basic problem. Here's a great solution. And their gauranteed to maintain their beauty even when turned upside down. Wow. But how do you transport large quantities?Added 9 Years Ago from Williams-Sonoma
Use these to avoid a sticky baking disaster. Nothing is more devastating than sublime looking cupcakes that will only come out of the tray in pieces. Tragic.
Wonderful gift idea! Especially if you're not close enough to make cupcakes yourself.
The reason I put this on my Wishlist is because its so hard to find. This is a classic product, but over the last 12 years its become increasingly hard to find. Its my only choice for baking cakes.
The skull cupcakes you could make with these pans would make a wonderful halloween treat!


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Bigloo is an implementation of the Scheme programming language. It relies on an optimizing compiler from Scheme to C. Bigloo enables connections between Scheme code and C code. It proposes many extensions to Scheme such as a regular parser compiler, an lalr parser compiler, pattern matching, an object layer, etc.
Chicken is a Scheme compiler that translates most of R5RS Scheme into relatively portable C. It supports fully general tail-call recursion, first-class continuations, and has a very flexible and efficient interface to C and C++. Chicken implements several extensions to the Scheme language: lightweight threads, pattern matching macros, dynamic loading of compiled code, and various object-oriented paradigms, such as TinyCLOS, and others. The library system includes hundreds of convenient modules for practical use.
RoadMap is a navigation program for Unix and PocketPC that displays street maps. Most of the maps are provided by the US Census Bureau, and thus only the US has a decent coverage at this time. A specific area can be displayed by entering a street address (street number, street name, city, and state). It interfaces with a GPS receiver through gpsd or the serial line to track the car position. It has been designed to be usable on a Linux desktop or laptop computer, or on a PDA (Linux or PocketPC).
nxlog is a modular, multi-threaded, high-performance log management solution with multi-platform support. In concept, it is similar to syslog-ng or rsyslog, but is not limited to Unix/syslog only. It can collect logs from files in various formats, receive logs from the network remotely over UDP, TCP, or TLS/SSL on all supported platforms. It supports platform-specific sources such as the Windows Eventlog, Linux kernel logs, Android device logs, local syslog, etc. Writing and reading logs to/from databases is also supported for many database servers. The collected logs can be stored into files, databases, or forwarded to a remote log server using various protocols. The old BSD Syslog and the newer IETF syslog standard (RFC 3164 and RFC 5424-5426) are fully supported by nxlog in addition to XML, JSON, CSV, GELF, and other custom formats. A key concept in nxlog is to be able to handle and preserve structured logs so there is no need to convert everything to syslog and then parse these logs again at the other side. It has powerful message filtering, log rewrite, and conversion capabilities. Using a lightweight, modular, and multi-threaded architecture which can scale, nxlog can process hundreds of thousands of events per second.
baresip is a bare-bones SIP user agent. It supports SIP, SDP, RTP/RTCP, and STUN/TURN/ICE, and IPv4 and IPv6, and is RFC-compliant and has portable C89 and C99 source code. A modular plugin architecture provides stdio, cons, and evdev user interfaces, celt, g711, g722, gsm, ilbc, l16, and speex audio codecs, alsa, coreaudio, gst, portaudio, oss, winwav, and mda audio drivers, speex_pp, speex_aec, speex_resamp, and sndfile audio filters, the avcodec video codec, avformat, quicktime, qtcapture, v4l, and v4l2 video sources, sdl, opengl, and x11 video display drivers, and srtp media encoding.
Scilab is a numerical computation system similiar to Matlab or Simulink. Scilab includes hundreds of mathematical functions, and programs from various languages (such as C or Fortran) can be added interactively. It has sophisticated data structures (including lists, polynomials, rational functions, and linear systems), an interpreter, and a high-level programming language. Scilab has been designed to be an open system where the user can define new data types and operations on these data types by using overloading. A number of toolboxes are available with the system.
Distributed Checksum Clearinghouse (DCC) is a system of clients and servers that collect and count checksums related to mail messages. The counts can be used by SMTP servers and mail user agents to detect and reject bulk mail. DCC servers can exchange common checksums. The checksums include values that are "fuzzy", or constant across common variations in bulk messages.
Universal Password Manager (UPM) allows you to store usernames, passwords, URLs, etc. in an encrypted database protected by one master password. Its three strongest features are simplicity (it provides a small number of very strong features with no clutter), the ability to run cross-platform, and database sharing. Rather than having many separate databases (home, work, etc.), database sharing allows you store your database at a remote location (password protected HTTP URL, for example) and then have UPM automatically keep your local database in sync with the remote database.
A C++ wrapper around the OpenGL C API.
A sci-fI RPG.


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BRIAN IN THE KITCHEN brought to you by Stittsworth Meats
November 26 2010
Turkey Tacos
: Use of undefined constant content - assumed 'content' in
on line
Nonstick cooking spray
1/3 cup chopped onion (1 small)
2 cups shredded cooked leftover pork, beef, chicken, or turkey
3/4 cup frozen whole kernel corn
3/4 cup purchased salsa
1 4-ounce can diced green chili peppers, drained
8 taco shells
Chopped tomatoes, shredded lettuce, and/or shredded Mexican cheese blend (optional)
Lightly coat a medium saucepan with cooking spray. Heat saucepan over medium heat. Add onion; cook and stir until onion is tender. Stir in pork, frozen corn, salsa, and green chili peppers.
Cover and cook over medium-low heat about 10 minutes or until heated through, stirring occasionally. Spoon pork mixture into taco shells. If desired, top with tomatoes, lettuce, and/or cheese. Makes 4 (2-taco) servings.


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Posts: 35109
The General
As family and friends come together to celebrate Kiki & Morgan's
union, secrets are exposed and families destroyed. Will anyone at this
party escape unscathed?
It's a week of ups and downs this week in Port Charles and this is one ride you won't want to miss!
Here is a brief look at what is coming up for the residents of Port Charles on ABC Daytime's "General Hospital":
-Are Anna and Duke going to put two and two together and realize Derek Wells is really Julian Jerome? Alexis and Sam learn about Daniel's transplant from Silas.
-While Ava decides to throw a party for newlyweds Morgan
and KiKi, the tension between her and Derek begins to escalate about
their plan to reclaim the territory away from Sonny.
-Connie's burial begins, but someone is not there to see it. Morgan and KiKi learn something new that they did not expect.
-There is a new man in town, and asks about Sabrina.
Could this prove trouble for her and Patrick? KiKi invites Michael to
her wedding party.
-As surprises happen at Morgan and KiKi's wedding party,
Ava and Julian have a surprise of their own as their plan to take down
Sonny ignites…
Monday, September 16
Derek crosses with Anna and Duke He's relieved that neither one of them
recognizes him. Derek agrees to look at Duke's resume for a possible
position…..Ava tries to convince Sonny to host a celebration for Morgan
and Kiki's wedding is she setting him up for something else? Ava
questions the validity of Sonny's medication. Will this send him
spiraling further?……Franco is startled by Heather's arrival She busted
out of the Miscavige Institute in order to wish Franco a Happy Birthday
and to cash in on a promise made to her by Silas Clay….. Shawn and Max
interrogate Vince the enforcer from the online gambling ring, they
manage to coax the name of Vince's boss out of him Julian Jerome!…..
Felix and Carly go up to Franco's room while knocking on his door, they
hear Heather inside (mistaking her to be Franco). Franco returns and
Carly realizes someone else is in his room.
Tuesday, September 17
Shaw tells Sonny that Julian Jerome is alive but Sonny insists that he
is dead, and that Shawn fell for a lie…. Olivia sees that Ava has had an
effect on Sonny and doesn't like it… Ava's upset that Vince gave up
his name to Sonny's goons but Derek isn't worried. Derek's furious that
Ava acted on her own and against his wishes. She points out that the
party will occur at the same time Derek's high-jacking Sonny's
shipment……. Franco catches Carly and Felix breaking into his room but
Heather's inside, with a knife at ready……Carly spots Ava in a
tete-a-tete with Derek…….Kiki tells Morgan that they've been kicked off
the estate since she isn't a Quartermaine….Kiki refuses to get close to
Silas, he tells her that he hopes that she'll someday want to get to
know him. Ava arrives to tells the kids about the party Kiki's loath to
accept, but does so as long as Silas can come…. At Alexis' prodding,
Sam and Silas fill her in on their upcoming date. Alexis informs Sam
that despite what Silas did for Danny, she's going to be keeping an eye
on him. Sam urges her mother to take a chance on Derek.
Wednesday, September 18
It's the day of Connie's burial and Sonny can't bear to attend Connie's
service……Anna speaks to Lulu after discovering Maxie has not been
holding up well after giving birth…..Ellie and Maxie begin to clear the
air over their broken friendship.Spinelli can't focus as he's just too
distracted by thoughts of the baby, will he be able to really take this
horrible secret with him to the grave?…. Carly asks to Spinelli to find
out what Ava's connection with Derek Wells really is…..Anna learns from
Dante that there's talk going around that Julian Jerome is alive!….
Michael is finally able to convince Sonny to attend Connie's funeral and
to say goodbye to Connie one final time.
Thursday, September 19
A mysterious visitor is making his way around Port Charles, claiming to
be an old friend of Sabrina's…. Emma becomes ill and Sabrina sacrifices
her own career advancement in order to stay home with her……Rafe
witnesses a romantic kiss between Molly and TJ, upset he makes a deal
with Taylor, they announce to Molly and TJ that they are dating……Nikolas
sees Britt signing out of the hospital He invites her to stay with him
at Wyndemere……Silas invites Sam to be his guest at Kiki and Morgan's
wedding party……Kiki invites Michael to the wedding party thinking this
will help her and Michael move on. Michael accepts and asks Nurse Penny
to be his date for the evening….Ava calls out Morgan for using her
credit card to rack up a gambling debt, Kiki walks in on Morgan and Ava
She's returning not just as a dutiful actor, told where to stand and
what to do. She's a director now and isn't too shy to share her ideas of
character/story direction. "I pitched them a couple of things, and this
was months ago, and so I don't know what they decided on. They
purposely did not tell me. But I can guess, because I have been watching
the show, and I can kind of see where it is leading up to. I have an
idea of what is going to happen. (Laughs)"
If you want to be as healthy, slim, and eternally beautiful as Finola
Hughes (Anna), live off the land and try different forms of exercise,
especially yoga and dance. And take it easy if you can't do it all.
That's what she does and look at her. It helps that she and her family
literally live off the land. They have two plots where they grow almost
everything, subsisting on fresh produce from their garden, as well as
fish and rice. Dig this: "I'm not really into fad diets. My family and I
am more inclined towards the Mediterranean way of eating. We eat very
European in that respect. Rice and fish, olive oil… we grow all our own
vegetables where I live in Santa Barbara. We have two vegetable plots
with fruit trees, different lettuces, corn, beets, potatoes,
strawberries, loads of berries, apples, and more. We eat off the land." –Boston Magazine interview by Melissa Malamut, September 5, 2013
Lisa LoCicero (Olivia) also does yoga and dance to keep fit, and
watches what she eats—although she lets herself indulge when the
occasion calls for it, like when she vacationed in Italy. She also
doesn't waste her time trying to do a sport or exercise that ill suits
her, like spinning, jumping classes, or kickboxing. Life's too short. A
schedule that's as busy as hers tends to be a challenge when fitting in
exercise, so LoCicero goes with the flow. "It's a schedule that makes it
difficult to have the same workout everyday, unless you're one of those
people that can get up at 5 a.m., and I'm not one of those people," she
told Melissa Malamut for Boston Magazine's Hub Health,
September 4, 2013. "So my workouts end up being a variety of different
things. You can't schedule your favorite yoga class for the same time
every week. Some days you are at work early morning to late at night,
and even if you are in hair and makeup, you can't go get all sweaty.
When I'm at work, my mind is on work, so it's hard to find the balance.
You just have to make the time and find something you love to do." Her
advice to younger women starting out in health and fitness is to enjoy
their youth, like themselves, and for god's sakes, "keep the sun off"
your face "like it's poison," like she does.
Michael Easton
(Silas) and wife Ginevra brought new life into this world, September 7,
2013, 8:07 a.m. They add a son, Jack Boru, nine lbs./nine oz., to their
family with Lilah, who was born April 15, 2011.
Maura West (Ava) was never
supposed to last very long on GH. She was hired to play Ava, Kiki's
mom, simply to bring back Kristen Alderson (ex-Starr) as a new
character. But something must've clicked with TPTB and the fans, because
West stayed on as a major pot stirrer, a member of the mob from the
1980s, the Jeromes. Now that Ava's all over the map with almost every
character, West makes sure to mind her manners on- and off-screen, so as
not to step on any toes. She said it's not possible anyway with the GH
cast, because all of them are so welcoming and generous. "I try to bring
the best energy I can to work, to be the very best scene partner, to be
prepared. I don't try to outdo anyone in a scene, or undermine anyone,"
West explained to TV Guide's Michael Logan [September 13, 2013]. "And that does happen — everywhere! I mind my own business. And, also, they're a very nice bunch of people at GH.
Tony and Jane Elliot [Tracy] were so embracing and kind to me and that
really made a big difference because they have power and they can really
shape your experience there. Bottom line, the goal is the same for
everybody on the show — to make a good product. There's no reason for
any nastiness. No room for it, really."
Don't blame actor Parry Shen (Brad) for his character's sleaze. He was
told by TPTB to lay it on thick in his first, major scene with Marc
Anthony Samuel (Felix)—and they'd let him know if it was going too far.
Luckily, Shen's had experience with knowing when far is far enough. "I
have a background in comedy, so I like to throw in things that are a
little snarky. I've only been asked to re-do something once. Otherwise,
they just let me go." –ABC Soaps in Depth
GH hit big in the Nielsens during the week of September 2—when several
key female characters gave birth—for major female demos (18-49, 25-54,
18-34, and viewers overall). GH achieved its two-year high in these
demos. The birth of Britt's baby September 5th drew the most female
viewers in almost two years. Soap Opera Network's Errol Lewis broke it down September 13th.
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Tristan Rogers (Robert Scorpio) returns to wrap up Robin's story.
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