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To Fundamentally Transform America or Not to Fundamentally Transform America, That is the Question
**Written by Doug Powers
President Obama in late October of 2008:
We are five days away from fundamentally transforming the United States of America.
President Obama yesterday on why we should avoid Paul Ryan's budget plan:
But the way this plan achieves those goals would lead to a fundamentally different America than the one we've known throughout most of our history.
Ryan's only trying to help the president fulfill a campaign promise, so what's the problem?
Speaking of President Obama's "budget deficit" speech yesterday, on the topic of American greatness, it sounds like we might be in for some "shining entitlement programs on a hill" style campaign ads next year:
"'There but for the grace of God go I,' we say to ourselves, and so we contribute to programs like Medicare and Social Security, which guarantee us health care and a measure of basic income after a lifetime of hard work; unemployment insurance, which protects us against unexpected job loss; and Medicaid, which provides care for millions of seniors in nursing homes, poor children, and those with disabilities," Obama said. "We are a better country because of these commitments. I'll go further – we would not be a great country without those commitments."
A tear just came to my eye as I pictured people emigrating from war-torn, oppressed nations waiting patiently in line at Ellis Island, coming to the US with nothing but the shirts on their backs and a dream of unemployment insurance that only America offers.
In addition to that, the term "shared prosperity" is used on the White House website.
Is this the president the media and the White House were trying to Reaganize just a few weeks ago?
(h/t Ironic Surrealism and Gateway Pundit)
**Written by Doug Powers
Twitter @ThePowersThatBe
O-care remains, but just wait until the GOP takes control of Congr… oh, wait
July 18, 2017 10:20 AM by Doug Powers
Will new wrinkle in Trump Jr./Russia story render MSM temporarily incurious?
July 12, 2017 09:05 PM by Doug Powers
Good luck! Obama's returning to 'help' Dems some more
June 24, 2017 03:05 PM by Doug Powers
It's unanimous: Obama, Pelosi & Reid's First Amendment flop
June 20, 2017 11:45 AM by Doug Powers
Team Obama keeps delivering on the 'historic levels of transparency'
June 20, 2017 08:40 AM by Doug Powers
Categories: 2016 Campaign, Barack Obama, Corruption


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We are a bunch of energetic and jovial people who love to bite into the sweet moments

subset: commoncrawl


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Free Gift Packaging
- Signature blue gift box
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Honora 6 - 10mm Baroque Cultured Freshwater Pearl Stud Earrings and Drop Jackets Set in Sterling Silver
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Date of Birth : April 16, 1985
Country / Birthplace : Stockton, California, United States
Age : 30 Year Old
Occupation : Mixed Martial Arts Fighter
Rated at : Lightweight Welterweight
Nate Diaz is professional MMA fighter from America . He made debut in UFC on June 23, 2007 after winning his fight from the opponent Manvel Gamburyan . After making a successful debut he won back to back four fights . While at UFC 94 suffers first defeat from Clay Guida on January 31, 2009 . He has so far faced 28 UFC fighters in the ring and defeated 18 of them and loss 10 matches. He is well known for his confidence during the fight and always trouble his opponents with moves. On , 5th of March he will be seen in action against the opponent Cornor Mcgregor for a big challenging fight.


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Movies/TV Shows: The West Wing, Seinfeld, The Newsroom, Real Time with Bill Maher, Meet The Press, The Rachel Maddow Show, How I Met Your Mother, Game of Thrones, The Godfather, The Godfather 2, Party Monster, Spun, Stripes, Swingers, Animal House, Goodfellas, Religulous, 11th Hour, Goodwill Hunting, House of 1000 Corpses, Inconvenient Truth, Fear and Loathing in Las Vegas, Donnie Darko, Blow, Wal-Mart: The High Cost of Low Price, Sicko, Casino, The Untouchables, A Bronx Tale, Raging Bull, Private Parts, Sideways, Who Killed the Electric Car?, The Abyss, Pirates of the Caribbean Trilogy, Back to the Future Trilogy, Indiana Jones, Jurassic Park, The Squid and the Whale, City Island, Capitalism: A Love Story, How The Universe Works, Boardwalk Empire, Entourage, Freaks and Geeks, Alien Quadriology, Battlestar Galatica and so many more.
Music: The Appleseed Cast, Caspian, This Will Destroy You, Sigur Rós, Cursive, Hey Mercedes, Braid, At The Drive-In, Tycho, The Mars Volta, God is an Astronaut, The Get Up Kids, Hot Water Music, Murder By Death, Tim Kasher, The Tallest Man on Earth, Mumford and Suns, The Avett Brothers, The Head and The Heart, Sam Amidon, Mates of State, Chvrches, Queens of the Stone Age, American Football, Piebald, The Decemberists, Radiohead, Deftones, Daughter, Now Now, Manchester Orchestra, Local Natives, Said the Whale, Death Cab For Cutie, Bright Eyes, Justice, Wild Nothing, Bird Courage, Death From Above 1979, Finch, Further Seems Forever, The Good Life, M83, New Found Glory, Rufio, Norma Jean, Architects, Dillinger Escape Plan, Poison The Well, Converge, August Burns Red, Every Time I Die, I Killed The Prom Queen, Bury Your Dead, Bring Me the Horizon, The Beatles, Chicago, Miles Davis, Dizzie Gillespie, Nat King Cole, Frank Sinatra, Frankie Valli and The Four Seasons, Dion and The Belmonts, U2, James Taylor and so so so many more.
Food: I love food so much - and the experiences that come with it. So, I'll try anything once.
Craft Beer


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Featured Alumnus
PSM Biotech alumnus Shashank Sunkara presented at the 2016 DiPIA (Developments in Protein Interaction Analysis) conference in Germany this past June. Over 220 scientist from 24 countries attended the conference to learn about the latest applications, results, and troubleshooting tips in biomolecular interaction analysis. Shashank's presentation, entitled "Characterization of Biosimilars by SPR", outlined strategies for biosimilar characterization utilizing various SPR methods and summarized challenges associated with day-to-day variability and statistical evaluation of data. He noted that at the conference he was exposed to numerous new practices in industry and obtained new ideas to bring back to his workplace. Shashank is a senior research associate at Momenta Pharmaceuticals. Watch his presentation here.
Welcome back!
As a graduate of Northeastern's Biotechnology PSM Program, you are one of more than 366 alumni representing an expansive range of business, clinical, and technical positions in the pharmaceutical and biotechnology industries both across the country and around the world. You are an ambassador for Northeastern, our programs, and the Professional Science Master's degree and we are proud of your success. Please join our LinkedIn group for alumni of Northeastern University Biotechnology Professional Science Master's Programs – connect with classmates and network with other alumni by going to http://tinyurl.com/oze4nyt.
Of Note
Did you know that Northeastern has a research blog? The blog is called iNSolution because that's what Northeastern's faculty and student researchers are in the business of — finding solutions to societal problems while simultaneously contributing to the fundamental knowledge base of their respective fields. Subscribe to iNSolution or follow on Facebook or Twitter – http://www.northeastern.edu/insolution/.
For information about the National Professional Science Master's Association (NPSMA) and the membership benefits for alumni including networking opportunities with other PSM graduates, go to http://www.npsma.org/ If you have questions about the NPSMA, please contact Administrative Operations Manager Cynthia Bainton at email@example.com.


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+91 22 65556888
The Rising Sun; As our logo symbolizes a new beginning, is our motto to grow each new day and expand our horizons to infinity.
RKV Engineering Pvt. Ltd., being setup in 2010 by a group of young and dynamic entrepreneurs. Serving the heavy engineering and precision manufacturing segments, is our core strength. Since inception, we also diversified our skills and interests in developing the renewable energy segment to provide best solutions to our customers.


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Book online with select Franklin Medical Group physicians
Home > About Us > News & Related Articles > Recent News > Emergency Responders to be Honored as Saint Mary's Hospital 2013 Champions
Published on August 23, 2013
WATERBURY, Conn. (August 23, 2013)─Each year, Saint Mary's Hospital honors an individual or group who has provided significant contributions to the hospital and the community. This year, the hospital will honor more than 1,500 men and women who serve the Greater Waterbury community as emergency responders as the 2013 Saint Mary's Hospital Champions.
The honorees include firefighters, police, EMTs, paramedics and dispatchers from Beacon Falls, Bethlehem, Cheshire, Middlebury, Naugatuck, Oxford, Plymouth, Prospect, Southbury, Thomaston, Waterbury, Watertown, Wolcott and Waterbury. All will be honored at Saint Mary's 2013 Champion Dinner, which will be held Monday, September 9, 2013 at the Coco Key Water Resort, Hotel & Convention Center in Waterbury.
"We are pleased to honor the men and women who comprise the emergency responders in our service area," said Peggy Lawlor, President of the Saint Mary's Hospital Foundation. "These individuals are our neighbors, colleagues and co-workers. We turn to them when we are facing the worst and through their efforts, countless lives are saved. It is important to acknowledge and recognize their contributions, and their dedication to providing services that are critical to our patients and the community."
The co-chairs for this year's Champion Dinner are Dr. Peter J. Jacoby of Woodbury, Chairman of the Department of Emergency Services at Saint Mary's Hospital, and Susan M. Webster of Bristol, Executive Director of the Northwest CT Public Safety Communication Center.
Dr. Jacoby has been a member of the Saint Mary's Hospital medical staff since 1980, providing leadership for the hospital's Emergency Department, one of the busiest in the state, since 1988. Dedicated to local emergency services organizations, he serves as the medical advisor for the Woodbury Volunteer Ambulance Association and is also a former chairman of the EMS Advisory Board for the State of Connecticut and past medical director for the Northwest CT Emergency Medical Services Council. On the national level, Dr. Jacoby has served as council speaker of the American College of Emergency Physicians (ACEP). He was also honored as a Hero of Emergency Medicine by ACEP and received the ACEP Council Meritorious Service Award. Dr. Jacoby is an assistant clinical professor in the Department of Traumatology and Emergency Medicine at the University of Connecticut School of Medicine. He is a board trustee and former president of the Connecticut Community Foundation, a board member of the Palace Theater and Jane Doe No More, and a past chairman of the Greater Waterbury Chamber of Commerce Health Care Council.
Susan Webster has served since 2006 as Executive Director of the Northwest CT Public Safety Communication Center, a regional 9-1-1 communications center, which receives 9-1-1 calls, provides pre-arrival instructions on medical calls and dispatches ambulance and fire departments for nine towns. The communications center also provides Coordinated Medical Emergency Direction (C-Med) or ambulance to hospital communications for 23 municipalities. Susan previously held the position of Operations Manager for American Medical Response (AMR), managing an operation of 30 Advanced Life Support ambulances and Paramedic Intercept vehicles. Prior to that, she worked as the Quality Improvement Coordinator, Communications Supervisor, Operations Supervisor, Field Paramedic, and as a Telecommunicator, all for AMR. Susan currently holds certifications as a State of Connecticut Telecommunicator, in System Status Management, Advanced Emergency Medical Dispatch and as an EMD-Q. She is affiliated with The National Emergency Number Association (NENA), where she serves as the 1st Vice President of the Connecticut Chapter, Association of Public Safety Communication Officials (APCO), Regional Emergency Communication Center Association (RECCA) and Managers of Emergency Communication Centers Association (MECCA), in which she holds the position of Chairman. Susan also serves as the Treasurer of the Region 5 EMS Council.
Tickets to the Champion Dinner are $50 per person. Proceeds will support the Emergency Responders Fund at Saint Mary's Hospital Foundation. To purchase tickets or for information about sponsorship opportunities, please call the Saint Mary's Hospital Foundation at (203) 709-6390. Tickets may be purchased online at www.stmhfoundation.org.
Jennifer ClementCorporate Communications Specialist
(203) 709-6240
Like us on
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Call 203.709.6000
Sign up today for a FREE subscription to Saint Mary's health magazine, and read the current issue online.


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FatTrack Fitness TK Body Transformation Toolkit
By AccuFitness
The FatTrack FITNESS TK: Body Transformation Toolkit provides THREE essential tools that enable you to measure and track your body transformation progress (Body Fat %, Lean Body Mass, Body Measurements, etc.), workouts, macronutrient information and more - easily, accurately, and in the privacy of your own home!
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- FatTrack: FITNESS Digital Body Fat Caliper
- MyoTape Body Tape Measure
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- Handheld caliper makes it easy to measure body fat by yourself!
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- Store FOUR independent personal profiles within the unit.
- Large clear view display
Click Here To Start A Return
If, for whatever reason, you are not satisfied with your purchase, you can return it to HRM USA within 45 days of purchase date subject to conditions below. Claims for items damaged in transit must be received within (3) business days of receipt of merchandise. Items deemed defective by manufacturer standards must be reported within 7 days of receipt.
Refunds & Credits Refunds on returned items will be issued to the same payment as tendered at the time of purchase. Once we receive and inspect the product you will be issued a credit back to your account. Please allow 5-7 Business days for a credit to appear on your account.If payment was made by check, the refund check will not be issued within 7- 10 business days after receipt of return.
Easy Return Process
Please be sure to place a note in the package with this information:
1)Order number
2)Reason for return
3)State that you would like a refund, or an exchange and what you would like to exchange for.
Our return address is:
Attn: Return Dept
1044 Pulinski Rd.
Warminster, Pa 18974
Or log in to your account by clicking here, and process your return online.
No Return/Exchange
on the following:
– Hydration Packs, Water Bottles once any of the packaging has been opened or safety seals have have been broken.
– Computers and Computer Software, once any of the manufacturer's packaging has been opened.
– Heating Pads, once safety seal has been broken
– Electronic Software is not returnable or refundable once opened.
– All consumable items or hygienic items (e.g., Gels, Energy Chomps, Elixirs, etc.) once unwrapped or seal broken.
– Special Order merchandise, Clearance, or any itemindicated on the website as non-returnable.
– Imprinted products.
– HRM USA Stores Gift Cards are redeemable for merchandise only and may not be redeemed for cash.
If the item is returned to us for exchange, please allow 2-5 business days for the replacement to be processed and shipped. All returns are shipped with our Economy shipping method and arrive within 2-10 Days.
Please read all conditions below. If conditions are not met, HRM USA reserves the right to refuse the return or to charge a restocking fee not less than 10% or a $2.95 minimum restocking fee charge.
If using a shipping label generated by HRMUSA Inc, the cost of this label will be deducted from refund amount (unless product is defective).
All returned items must be in new condition, in their original unaltered box (including the UPC code being intact) and must include all packing material, blank warranty cards, manuals,and accessories. Defective items may be exchanged for the same model or manufacturer's equivalent model. Please call us at 800-403-8285 for assistance. Please allow time to discuss any issues you may be experiencing as we may recommend tech support to resolve any issues prior to exchange. Any refused package will be assessed shipping charges incurred by the carrier.
Click Here for a list of Manufacturers Tech Support Phone Numbers


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A buffeting and vibration problem for some owners of GM's fullsize SUVs can be bad enough to make folks dizzy and give them headaches.
2015 Gmc Yukon
Fullsize GM SUVs have a problem that's making owners sick
- Chris Bruce
- Dec 30, 2015
2015 GMC Yukon Denali
- Jeremy Korzeniewski
- Mar 25, 2014
Automotive enthusiasts often wonder aloud – ourselves included – why General Motors would choose to keep GMC while sending Pontiac (and Saturn, and even Oldsmobile before it) into the great automotive graveyard in the sky. The answer, as is so often the case, is profit. It's much easier for GM to rake in money hand over fist by rejiggering the trucks, crossovers and SUVs that it would already be developing for Chevrolet and making them a bit more luxurious and *ahem* "Professional Gr
2015 GMC Yukon erupts into flames during Anaheim test drive [w/video]
- Brandon Turkus
- Mar 24, 2014
A 2015 GMC Yukon burst into flames while on a test drive in Anaheim, CA on Sunday after smoke filled the cabin. Residents of the neighborhood where the driver abandoned the redesigned Yukon reported hearing a series of small explosions (likely the tires, based on the video), according to a report from KTLA and The Los Angeles Times.
GMC's Denali offerings are going great guns
- Jonathon Ramsey
- Feb 28, 2014
The Denali trim that GMC uses to denote its top-of-the-line vehicles was introduced back in 1999, partly as a way to challenge the recently introduced Lincoln Navigator. Fifteen years later, and with GMC the tenth-largest US automotive brand by itself Denali has become a sub-brand that keeps the cash registers ringing at the Renaissance Center HQ. While GMC increased sales by 9 percent in 2013, TheDetroitBureau.com reports that that Denali sales rose by 20 percent.
GM's fullsize SUVs boost highway mileage by nearly 10 percent
- Jonathon Ramsey
- Feb 26, 2014
We met the redesigned 2015 versions of the Chevrolet Suburban and Tahoe, and the GMC Yukon and Yukon XL at the 2013 LA Auto Show. Improved gas mileage numbers have been announced to go along with the improved exteriors and interiors, with city mileage improving by seven percent and highway mileage going up by nearly ten percent; you'll now get 16 miles per gallon in the city and 23 on the highway.
2015 GMC Yukon and Yukon XL hit the floor at LA
- Brandon Turkus
- Nov 21, 2013
The middle child of General Motors' trio of truck-based SUVs, the GMC Yukon and long-wheelbase Yukon XL, received their auto show debut at today's 2013 Los Angeles Auto Show. Showing off a bigger, bolder look, particularly on its Denali trim, the Yukon sports prominent chrome grille instantly identifies GMC's new top-end SUV.
GM considering new powertrain options for large SUVs
- Jeffrey N. Ross
- Oct 15, 2013
Aside from the new General Motors offerings, there's not a whole lot of action going on in the fullsize SUV segment. That doesn't seem to be stopping GM from pushing the envelope in the market as Automotive News is reporting that the automaker is looking to introduce some new powertrain options into the Chevy Tahoe (and Suburban), GMC Yukon (and Yukon XL) and the Cadillac Escalade – all have been redesigned for the 2015 model year.
GM mulling off-road variants of fullsize SUVs
- Jeremy Korzeniewski
- Sep 24, 2013
According to General Motors, owners "just love off-roading with [its fullsize body-on-frame sport utility vehicles]," namely the 2015 Chevrolet Tahoe and Suburban and GMC Yukon. If that's the case, it's a bit odd that sales of the previous generation of these models with the Z71 off-road package didn't sell particularly well.
2015 Chevy Tahoe, Suburban and GMC Yukon unveiled
- Damon Lowney
- Sep 12, 2013
General Motors has today unveiled its new family of fullsize SUVs, including the 2015 Chevy Tahoe, its longer Suburban sibling, and their GMC Yukon, Yukon XL and Yukon Denali cousins. More efficient powertrains, improved aerodynamics, increased connectivity and better overall refinement are what Chevy and GMC say will separate their new SUVs from the current generation.
GM to unveil new SUVs at the State Fair of Texas?
- Jeffrey N. Ross
- Aug 7, 2013
With General Motors just having rolled out its new fullsize truck twins – the Chevrolet Silverado and GMC Sierra – for 2014, now it seems to be time to focus on its big SUVs. The Truth About Cars is reporting that the 2015 Chevy Tahoe/Suburban and 2015 GMC Yukon lineup will be making their debuts later next month at the State Fair of Texas, which kicks off on September 27.
- 2018 Honda Accord is sleeker, more efficient
- Mercedes X-Class pickup truck revealed
- Find and compare 2017 Models


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Find insurance companies is to set your claim might be surprised Gem Car Insurance. Because getting tickets and fines that are new technologies at our disposal. It is without doubt will ease you into further financial problems. A corner to find out if your claim can raise your rates. Are some other driver's fault you will have choices in your wallet. Sure you have this behind them.
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Chris O'Grady admits he thought he had scored against his old club.
But he is confident Albion can bounce back from the opening day defeat to Sheffield Wednesday.
The debut-making striker was denied by Kieren Westwood's save as the Seagulls sought to avert a 1-0 reverse on Saturday.
O'Grady, who hopes to play against Cheltenham tomorrow, said: "I thought I had scored.
"It happened very quickly. I thought I did all the right things and put it in the corner but his top hand got to it and tipped it around the post.
"I was gutted. That was our chance to get back into it.
"But the result wasn't a reflection of how we played."


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With about
$900,000 in scholarships being offered, more money is available than ever
before to attend North Idaho College
Anyone interested
in attending NIC fall semester, should file an application for admission by
Thursday, Aug. 14. The application deadline will allow students time to attend
an orientation session, register for classes, purchase books and pay for
classes prior to the start of fall semester Aug. 25.
New students
should visit www.nic.edu/admissions to
download an application. Awarding
criteria of each scholarship varies and all students are encouraged to apply.
Recipients include traditional credit students, who should
visit www.nic.edu/scholarships
for how to apply. NIC
Foundation scholarships are also available for Workforce Training and Dual
Credits students with applications available through those respective programs.
For story
info: NIC
Foundation Development Coordinator Pam Noah, (208) 665-2750 or firstname.lastname@example.com
Please direct all media inquiries to:
Tom Greene
Communications Coordinator
(208) 665-2759 or firstname.lastname@example.com
Stacy Hudson
Communications and Marketing Director
(208) 769-7819 or firstname.lastname@example.com
Laura Rumpler
Chief Communications and Government Relations Officer
(208) 769-3316 or email@example.com
Please direct all public information requests to:
Mindy Patterson
Community Relations Executive Assistant
(208) 769-3316
Public Information Request Form [PDF]


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Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Depression and Bipolar Support Alliance is a Psychologist office located in Chicago, IL. A psychologist focuses on the evaluation, prevention, diagnosis, and treatment of mental, emotional and behavioral health issues. A clinical psychologist uses psychotherapy and other counseling skills to improve emotional and mental health.
Please call Depression and Bipolar Support Alliance at (312)...
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Depression and Bipolar Support Alliance can be found at N Franklin St 730. The following is offered: Insurance. The entry is present with us since Sep 10, 2010 and was last updated on Nov 14, 2013. In Chicago there are 1243 other Insurance. An overview can be found here.
Depression And Bipolar Support Alliance was founded in 1985, and is located at 730 N Franklin St Ste 501 in Chicago. Additional information is available at www.dbsalliance.org or by contacting Cindy Spesht at (312) 642-0049.
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Abandonment and Perseverance in Cleveland
ESPN has this long, detailed article on James' move out of the city looking at the importance of history, perseverance and city pride.
"I'm here to see what Cleveland actually thinks about LeBron James and his departure. To hang around town the week before the first Cavs game in late-October, talking, eavesdropping, leaning into bars, eating heaping corned beef sandwiches at Slyman's. To be around Clevelanders then come out with a story.
I arrive heavy on questions, light on answers. What is real and what is convenient Rust Belt narrative? What can a looped clip of a burning jersey really tell us about a complex city? What is the future of this place? What is the past? How are they related? What does it mean to be a sports fan here, and how is that different from other cities? What does any of this have to do with LeBron James?"


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Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
The car dealer is not a certified PA State inspection center and did not inspect this car. Should I let them have the car to look at? I'm also having a hard time finding a lawyer in my local area who deals with consumer issues.


text: Feds Bust Counterfeit Operations Separate investigations lead to seizures in Texas and Puerto Rico. By Kristi Ellis on December 13, 2012 WASHINGTON — Federal authorities announced a pair of counterfeit busts this week, including one deemed the largest in port history in Laredo, Tex., that snagged thousands of bogus watches. The second counterfeit seizure involved hundreds of units of designer apparel and accessories from 17 retailers in Puerto Rico. WWD logo To Read the Full Article SUBSCRIBE NOW Already a Subscriber? Log in. Tap into our Global Network Of Industry Leaders and Designers load comments blog comments powered by Disqus


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Further information about this hotel will be available shortly
The hotel is located off Exit 135A on I- 90/ 94/ 39. This family friendly hotel is less than 1 km from East Town Mall.
There are pet accommodations available. Please contact hotel for details. There is a safe charge of 1 USD/ night plus sales tax.
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by Mike Gleason, Money Metals:
ater in the program, we'll hear a tremendous interview with Craig Hemke of the TF Metals Report. Craig discusses why he believes the bullion banks are finding it harder and harder to suppress the price of gold and silver so far in 2016, provides some great analysis on some of the key price levels he's watching for in the metals, and shares his outlook for the final four months of the year. So be sure to stick around for my conversation with Craig Hemke coming up after this week's market update.
Precious metals markets surged Tuesday to open the holiday-shortened week. But they have given back some of those gains since Wednesday.
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text: Wooden bridge -Royalty Free Image License: Standard LicenseStandard Royalty Free License Crossing the wooden bridge in wetland park 232 views Ray Woo An experience stock photographer based in China. The main topics of my works... [more] info Author Page Portfolio: 3124 images. Updates / RSS Network Image updated—August 26, 2013 Keywords active, background, body, bridge, cross, crossing, exploration, explore, family, foot, hike, hikers, hiking, holiday, journey, lake, legs, leisure, move, nature, outdoor, outside, park, part, path, person, quiet, recreation, reflect, reflection, road, scene, shoes, three, touring, tourism, tourist, trail, travel, trek, trip, vacation, walk, walking, water, way, weekend, wood, wooden Image Categories Landscape | Nature Image #4725 Size Type File Info Price ( US Dollars $ )50% off Bloggeejpg6.94" × 4.63" @ 72 dpi500 × 333px2.001.00 Smalljpg13.89" × 9.24" @ 72 dpi1000 × 665px4.002.00 Mediumjpg8.33" × 5.55" @ 300 dpi2500 × 1664px8.004.00 Largejpg14.19" × 9.44" @ 300 dpi4256 × 2832px12.006.00 End User License Agreement View Cart (0.00) Symbiostock Community Symbiostock CommunityNetwork with illustrators, photographers, and designers. Symbiostock on TwitterSymbiostock news. Symbiostock on FacebookCommunity maintained Facebook hub. Symbiostock.infoSearch images on the Symbiostock network. Symbiostock SearchSearch Symbiostock images and network. Symbioguides.comSymbiostock knowledge base. Symbiostock.comSell your images and network with fellow microstock professionals. ClipArtof.comHigh Resolution Stock Illustrations & Clip Art ClipArtIllustration.comFirst Symbiostock Site, and home of the Orange Man Microstockgroup.comA meeting place for microstock professionals.


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Faced with the alarming threat of surging support for the NDP, Liberal Leader Michael Ignatieff is now accusing the social democrats of making tens of billions of dollars worth of promises that they have no means of paying for.
"It's time to take a close look at what Jack Layton is saying to the Canadian people," the Liberal Leader told reporters in Halifax Saturday when asked if he was now in a race for second place.
"The numbers add up. And up. And up. And up," Mr. Ignatieff said, referring to the NDP platform.
While Liberal promises were fully costed, he went on, "Mr. Layton has got a platform which, when you look at it closely, has $30-billion in spending, which we think is not going to be good for the economy, and he derives it from sources we just don't think are credible."
Mr. Ignatieff is pivoting to protect his left flank, as several recent polls show the NDP approaching or even surpassing the Liberals in support with only eight campaigning days left until the May 2 election.
Those poll results have also prompted both the Liberals and the Harper Conservatives to redirect their air attack at the NDP leader, with the Tories are re-airing ads slamming the role Jack Layton played in assembling the 2008 coalition with the Liberals.
The Grits have debuted a new ad accusing the NDP of failing to support the gun registry - some NDP MPs did vote unsuccessfully to scrap it - and of making unaffordable spending commitments.
The ad also accuses the party of having "incredibly inexperienced candidates."
"Not so fast, Jack," the narrator warns, as a stoplight turns red.
The Liberals point out that the NDP platform envisions rather magical sources of funding, including from a cap-and-trade system to limit industrial greenhouse gas emissions that would take years to set up and may end up costing governments more in lost business taxes than they ever raise in revenue.
Mr. Layton deflected the criticism following a packed Montreal rally Saturday afternoon.
"The Liberals have said they want to do cap-and-trade too, so I don't understand their criticism," the NDP Leader said, pointing to similar systems in U.S. states as models that Canada could quickly adopt.
"It's a matter of political will and that's what lacking."
By taking on the NDP, Mr. Ignatieff pays a price in three ways. First, every minute and dollar spent pointing out the contradictions embedded within the NDP platform is a minute and dollar diverted from the effort to close the yawning gap between the Liberals and the front-running Conservatives under Stephen Harper.
Second, accusing the NDP of making reckless promises that could damage the economy and wreck government finances simply echoes the criticism that the Conservatives level at the Liberals.
Finally, and most importantly, the more Mr. Ignatieff takes on Mr. Layton, the more he renders the NDP chief credible as a potential leader of the official opposition.
This comes as opinion polls suggest major growth in support for Mr. Layton in Quebec, an uptick Conservatives privately say could also be at work in British Columbia. The data, which shows the Tories still far ahead of the Liberals, has raised the question of whether the NDP could supplant the Grits as Official Opposition in Ottawa.
An Ipsos-Reid poll taken April 18 to 20 suggested the NDP has bumped the Liberals out of second place nationally and that the Tories were on track for a majority government in the May 2 election. This is the first time in two decades the NDP is ahead of the Liberals in polls.
"Something is going on in Quebec - a wind of change, change that you can feel blowing all along the St. Lawrence River," Mr. Layton told the crowd at Saturday's Montreal rally, which was held in the heart of the downtown riding held by Gilles Duceppe for two decades.
But the Liberals believe that dashing some cold water on the voters' sudden infatuation with the NDP is worth the political risk involved.
"We can form the next government," Mr. Ignatieff reminded voters. "Repeat that word: government."
But few believe that Liberals have any prospect, now, of winning the most votes and the most seats on May 2. Mr. Ignatieff's only, and increasingly waning, hope is to limit the Conservatives to a minority government, bring that government down, and then form a minority government with the support of the NDP.
But unless voters retreat from their flirtation with Smiling Jack Layton in the last week of the campaign, it's not exactly clear who would be supporting whom.
On Saturday, the Conservatives modified their campaign script where they warn that if the Tories don't get a majority government they will be unseated by a coalition of opposition parties.
Now the Tories are suggesting this coalition they fear could even be led by Mr. Layton, a messaging chance that showed up in the introduction at a Harper campaign stop in Mississauga given by area Tory candidate Bob Dechert.
Mr. Harper, speaking after his Missisauga address at a Coptic Christian centre, said it doesn't matter if the NDP or the Liberals are the leading opposition party.
"The fundamental choice has not changed," he said.
He said the only options are a Conservative majority or a government that's "a combination of the Liberals, New Democrats and the Bloc."
Liberal Leader Michael Ignatieff has flatly refused to form a coalition with other parties. But he has said it's possible the Liberals could take power even if they win less seats than the Conservatives but can reach some accommodation with rivals in the Commons.Report Typo/Error
Follow us on Twitter: @stevenchase, @JohnIbbitson


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Click to shop Andrew Christian
Arad WinWin is showing how his upgrade to the Black Collection, designed by Andrew Christian, was a good choice. The hot, handsome, dark-skinned hunk looks great in this prestigious collection. Stripping out of his suit, Arad's muscles look fantastic and his bulge looks so impressive!


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Para PDA LDA Compact 9mm
I recently came into possession of the above pistol. Only came with one mag. Tried the company, Gun Broker and even ebay. Can't find one. I found one for the full size LDA, but of course it won't fit. Anybody know where I might find one?
Gunshow would be your best bet.
Thank you. I'll try that next time a show comes around.
Try the gun shows at the cashman center. From what I hear they are the best and biggest in town. I believe the biggest show of the year other then the shot show is in October. I just wish the venders would bring good optics and not air soft crap.
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Lottie by Rowan Design Studio
Welcome! You are browsing as a guestWould you like to see 20 projects made from this pattern and much more? create a free account What am I missing?
© iamdeborah
by nxtdrgrrl Flickr
by keewee10 Flickr
Striped handbag with self-handle worked in garter stitch.
Rowan rates this pattern as "easy, straight forward knitting."


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University of Colorado, Cooperative Institute for Research in Environmental Sciences, 216 UCB, Boulder, Colorado 80309 firstname.lastname@example.com
AIT Austrian Institute of Technology, Donau-City-Strasse 1, A-1220 Vienna, Austria
National Oceanic and Atmospheric Administration, National Geophysical Data Center, 325 Broadway, Boulder, Colorado 80305
National Oceanic and Atmospheric Administration, Coral Reef Watch NOAA/E/RA31, SSMC1, 1335 East West Hwy, Silver Spring, Maryland 20910
NASA Ames Research Center, Earth Sciences Division Mail Stop 242-4, Moffett Field, California 94035
This paper proposes an experimental methodology toward describing and quantifying coral reef bleaching using very high spatial resolution optical satellite imagery. Sea surface temperature-based bleaching alerts issued by NOAA's Coral Reef Watch triggered image acquisition and served as an indication for high bleaching probability. Images of suspected coral reef bleaching events and reference images of the same reefs during previous unbleached conditions were coregistered and radiometrically normalized for change detection. An experimental methodology was developed to describe the severity and extent of the bleaching. The methodology hinges on the creation of the Coral Bleaching Index (CBI), constructed from change detected in the green, blue, and red wavelength bands. Results are provided in the form of colorized difference images showing areas of observed bleaching in gold, as well as CBI images, visualizing varying bleaching intensities. Comparison of the CBI with available field validation data yielded a correlation, however additional reference data would be needed for more detailed quality assessment. This technique is seen as a step toward the routine detection and long-term monitoring of coral reef bleaching from space and serves as a proposed tool for detecting bleaching in remote areas where observers cannot be deployed.
Daniel Ziskin ; Christoph Aubrecht ; Chris Elvidge ; Ben Tuttle ; C. Mark Eakin, et al."Describing coral reef bleaching using very high spatial resolution satellite imagery: experimental methodology", J. Appl. Remote Sens. 5(1), 053531 (June 20, 2011). ; http://dx.doi.org/10.1117/1.3595300
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|09 Mar 2011
Removing Extra Primary System Partition
Hi, I was trying to install Ubunstu and I thought I could do it without looking at any reference material. After a few tries, I tried putting the partition that I made for it active, but that didn't work and it made Windows not want to start up. I fixed that with my install disk and was able to mark the partition inactive with DiskPart and want to remove the partition and try it from Ubunstu's partition utility. I'm unable to select an option to delete the partion. It's marked with System, Primary Partition. I tried with DiskPart but it gave an error and said it was in use and I didn't want to override that without knowing what it would do. If I browse to the partition in explorer there's no files there.
|My System Specs
|10 Mar 2011
Is this the right thread? Because this is one of the only ones with no replies
|My System Specs
|10 Mar 2011
You can try running diskpart at startup (outside of windows), or you can boot to the free version of Partition Wizard, which would likely be much easier.
|My System Specs
|11 Mar 2011
How will this affect my system, with the partition I'm trying to delete marked with System?
|My System Specs
|11 Mar 2011
Nevermind. I just formatted it and deleted it. However, there's this random 101 MB unallocated partition that I didn't create and the option to extend the primary part. to that isn't available
|My System Specs
|11 Mar 2011
|My System Specs
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AllianceBernstein Holding LP (NYSE:AB)
Morgan Stanley Financials Conference
June 10, 2014 / 2:25 P.M. E.T.
Doug Peebles – Head and CIO, Alliance Bernstein - Fixed Income
Chris Bricker – Head of Alternatives
Tom Whitehead – Morgan Stanley
Tom Whitehead – Morgan Stanley
Good afternoon, everyone. It's my pleasure to welcome AllianceBernstein to the conference today.
Before I introduce the speakers we have today, just a couple of polling questions for the audience. The first question is what would drive you to add to your position in AllianceBernstein – A, expense control driving positive operating leverage; B, traction with efforts to diversify AUM base beyond fixed income; C, positive organic growth or flow inflection; and D, a lower entry point in the stock?
We'll take just a minute to get your answers in. It looks like C, positive flow inflection, with the second best answer lower entry point. Okay.
And the second question is what do you think is most under-appreciated about AllianceBernstein – its retail distribution capabilities, particularly Asia and abroad; the build out of noncore fixed income and alternatives platforms; the distribution yield; or the stability and profitability of the private client business? I think that was B. Okay, great, so – oh, okay, so retail distribution.
So with me today from AllianceBernstein are Doug Peebles and Chris Bricker. Doug, on the left here, is Head and CIO of AllianceBernstein's fixed income unit. He's been CIO of the fixed income unit since 2008 and oversees all the fixed-income portfolio management and research teams globally. Fixed income is about 55% of AB's AUM as of April and is an area of growth and strong performance for the Company.
Chris Bricker, here on my left, has been with AllianceBernstein for over 20 years and is the head of alternatives for the Firm. AllianceBernstein manages roughly $16 billion in alternative assets and offers a range of strategies and capabilities to expand asset classes and liquidity profiles.
Welcome, gentlemen. Thanks for being here.
Doug Peebles
Thanks, Tom.
Question-and-Answer Session
Tom Whitehead – Morgan Stanley
Doug, I'll start with you. So the rotation within fixed income away from traditional Barclay's ag type benchmark products into more specialized mandates like high yield and bank loans as well as uncorrelated products and unconstrained products has been widely publicized. Can you talk for a minute about how AB's fixed-income platform is positioned to both retain and capture assets in this type of rotation and in which of the newer areas you're seeing the most success?
Doug Peebles
Right. So I think people are and have been, basically since the spring of last year, afraid of duration. And the main risk involved with traditional plus – core and core-plus strategies is duration risk. Now, I personally think this fear is somewhat overblown for a 4.5 or five-year-duration instrument, but that's what's driving people out of the traditional categories.
Now, at the same time, people still need income, and so they have a fear of duration, and instead of going in on the duration curve into a money market type product, they can't do that today because interest rates are zero. And so the folks who need income are moving into the credit space, have moved into the credit space, and that has been very beneficial for our platform. We run a very integrated, multi-sector, high-income business that capitalizes on the back of our strong track record in emerging markets and high yield and our ability to manage that sector difference.
I would say that the – so those two main risks that – one, people are moving away from the duration risk. People are moving towards the credit risk. I think that the other important element that doesn't get much discussion points is the liquidity risk in fixed income. And that is something that traditionally folks in our business haven't been used to managing. They're very astute and experienced in duration management and in credit management, not in liquidity management.
And I think that by and large, people are probably not getting paid enough for the true illiquidity risk in today's fixed-income markets. And there is an opportunity in the future, which we're enhancing our opportunity or our resources in this space, is to take advantage of giving up liquidity. And I think it's only perceived liquidity, because in the direct-lending or the private-credit space, you're getting paid to take on that illiquidity risk, as opposed to in the securities market, spreads are reasonable relative to where we are in the cycle, but I think absolute yields are probably lower than they've almost ever been in the history of these markets.
Tom Whitehead – Morgan Stanley
Great. And for you, Chris, so I just want to talk about liquid alt for a second. What's driving your liquid alt product development strategy, and can you talk about the opportunity for those products within the institutional channel as well as the retail channel?
Chris Bricker
Sure. So thanks, Tom. I'll start with maybe where we see the bigger opportunity. So at this point, we see an opportunity in both. We clearly think that retail over the next three to five years will be the bigger opportunity, for one basic reason – institutions have had access to alternative products for quite a while. They have significant allocations to the less liquid version, where retail, and let's say absent maybe 10% of retail investors, have had access to true hedge funds over time. But the vast majority of them just have not had access.
And now there is an emerging set of tools that will give them these different risk and return profiles. And certainly the long-term portfolio diversification benefit is being touted. And that's where we think all the uptake will come from, with the end goal that clients will be able to just better weather different market conditions than they were previously able to in retail.
Institutional I think, over some time, a cycle of performance if we see the liquid services that have been created performing. Clearly, liquidity is not worth nothing. They will also use the liquidity if its performing well, institutional.
Tom Whitehead – Morgan Stanley
Great. Doug, just coming back to you for a second, I want to talk about passives. So as with equities, more and more fixed-income assets are moving to passive products and creating the potential for cannibalization of those actively managed products. How do you manage this shift at AB, and what concerns do you have about capacity constraints this shift may cause?
Doug Peebles
Right. So I think that when you look at the equity business for our industry, there's been a big movement from active to passive. And part of that has been in this cycle, we've seen underperformance of active managers on average. And so there has been a similar notion of, well, maybe we should do the same thing, of move from active to passive in fixed income. I think that's a mistake.
When you look at the median active fixed-income managers, they outperform the indices. Frankly, it's no secret that fixed-income indices are actually easier to outperform because they're less efficient. They're based upon market capitalization and a market cap weighting in fixed income where whoever issues the most debt, has the highest weight in the index. It doesn't really make much sense from a common sense point of view.
And so I think that the movement towards that is probably not going to be as severe as it's been in the equity space because active managers do outperform.
One thing I do have concern about is the notion of ETFs in illiquid markets, like bank loans or like high yields. I don't think that you all of a sudden create a trading vehicle that trades on an exchange that is made up of underlying illiquid securities and you magically have liquidity in that space. So if you look at the performance of active – or of ETFs in the high yield or the bank loan space, they've underperformed quite substantially their broad benchmarks. That's not surprising.
As it relates to the capacity issue that you raised, look, I said before that liquidity in the fixed-income market is different today than it's been. And managers need to understand that liquidity, manage that liquidity risk – or illiquidity is probably a better way to put it. And therefore I think that the more assets you have, you're just going to struggle to outperform. I think it's that simple.
And that really wasn't the case prior to 2008, the financial crisis, but post-2008, I think that's a more important factor in terms of overall capacity in the industry. If you have that many more assets to manage, and we know that the capacity of the capital commitment of the market makers has dropped substantially, then it's going to be harder to move those assets back and forth in an active fashion.
Tom Whitehead – Morgan Stanley
And then just to dig in on that a little bit, which areas within fixed income are you seeing the most penetration of passives, and where do you see potential for capacity constraints to pop up first?
Doug Peebles
Well, I think the capacity – to answer the second question first, the less liquid the markets are, the more likely you're going to have capacity issues. Now, so what does that mean? It means in the credit-intensive space. Some of these private-credit markets, though, I've mentioned probably have significantly smaller capacity than the public-credit markets, and we'll have to be very cognizant, as we are, as we're developing these new products.
In terms of where our ETFs are most attractive, in the more liquid markets, right? And so a one- to five-year government ETF makes all the sense in the world, because barring some very, very unforeseen events, you should have plenty of liquidity in the one- to five-year treasury market. But as we get out into the high yield space or the bank loan space, having actively – having ETFs in a format that you're expecting liquidity when the underlying elements in those ETFs are illiquid is just illogical to me.
Tom Whitehead – Morgan Stanley
And then one for you, Chris. The definition of alternative is rather broad. Can you define alternative products as you see it at AllianceBernstein? And then, also, when you have conversations with clients and institutions and stuff, how that definition of alternatives differs?
Chris Bricker
Sure. So that is the big question. So maybe taking one step back first, the philosophy at AllianceBernstein is, as we're creating any of these alternative services, is really about the solution that it offers. So we start there. We then certainly do look inward and we define the alternative services we have under the traditional metrics – real estate, private equity, hedge-fund strategies, infrastructure. And then as we've done more liquid alternatives and done more in the retail space, we will extent that definition to meet the more Morningstar-Lipper category definition.
We then quickly step away and throw that out the door, and the second part of your question becomes much more relevant. Every conversation we get into, whether it's a big institution in the US, whether it's a private bank in Europe, whether it's one of our clients in Asia, you have to turn off how you've put this definition in a nice, neat little box to make your own material and figure out exactly how the person on the other side of the table is thinking about it, whether they're talking about it as one big bucket and trying to figure out how to just fill that bucket up, whether or not they have evolved to having long-short equity strategies come out of their equity basket. They're really speaking their own language, and you very quickly have to adopt to that language and get to what's the solution you have and figure out where the fit is.
Tom Whitehead – Morgan Stanley
Great. I just wanted to take a moment to open it up to the audience. Any questions out there? Okay.
Doug, coming back to you, not surprisingly, I want to talk about rates for a second. Can you talk about how your institutional clients are positioned for a rising-rate environment? And can you also touch on how you protect the performance of fixed-income products when you have this massive headwind of rising rates?
Doug Peebles
Right. So institution – I think the pain trades – I mean, not surprisingly, the fact that we came into the year and we've seen – literally from 12/31/2013 to now, we've rallied in the rate space, and nobody's really happy about that. Most forecasters were forecasting higher rates, not lower rates, and so the pain trade is actually a continuation towards lower rates. There's lots of trends in the industry and in the globe that are fostering this trend. The ECB just put interest rates on – their deposit rate is negative, so you're actually paying to keep your – if you're a bank, you're actually paying money to keep your money at the ECB now.
And so institutions – financial institutions, insurance companies, they want higher rates and they want wider spreads, and I think that the broad trend in the private sector to find benefit space is towards derisking and LDI. So they want higher rates and wider spreads so they can more effectively put that on their books at a smaller funding gap.
That's the main situation to protect against rising rates. Look, in a yield curve that's very steep, it's very expensive to protect against rising rates. And it's obviously the – connected to that, it's very expensive to be short interest rate risk. It's an easy call when the curves are inverted, right? So as I mentioned earlier, you move in on the curve and you pick up yields. Boy, that's an easy choice to make. And here, if you move in on the curve, you're going to drop a lot of yield.
So we're not overly worried about US interest rate risk. We do spend a lot of time looking at the forward curve, so looking at what is the market pricing and the five-year note to be in five years' time. And I don't know if the audience is aware of this. We came into 2014, and the rate on that five-year five-year forward was 4.6%. It's rallied almost 100 basis points. I think today it's around 370, 375 after touching, I think, around 360.
And I don't know, I look at where is the five-year note going to be in five years' time, and, I don't know, I'd probably put the greatest probability that it's somewhere between 360 and 460. So I don't think the market is really mis-pricing US interest rate risk.
Now, that doesn't mean that 460 wasn't cheap and 360 isn't somewhat expensive. I think it is. If we look around the world, though, the Japanese 10-year note is 60 basis points. Inflation is running north of 2% now. That doesn't seem like a very sensible long-term – that's not a very sensible 10-year investment. German bunds yield 140 now. That seems kind of expensive. So there are pockets of expensive points around the world, but on a relative basis, I think treasuries actually look, I mean, I dare say it, but of value.
Tom Whitehead – Morgan Stanley
And then coming back to you, Chris, I just want to talk about your institutional clients for a second. How are your big institutional clients putting money to work in alternatives, and what's driving this? I mean, is it barbelling, where they're using ETFs and low-cost index products at one end and then using alternatives for alpha? Or maybe you could touch on what exactly is driving that?
Chris Bricker
I don't know that I would necessarily call it barbelling. I'd probably use that more in the equity space, where we certainly see the passive strategies versus the higher active share. I would probably just say there is a greater use of alternative strategies. I think we've seen a continued use of real estate, a continued use of private equity, probably an accelerated use of hedge fund strategies over the past three to five years. This is probably the most profound thing that we've seen.
And in terms of where we've seen most traction, it has been in the long-short credit – long-short equity services we have. But on a go-forward basis – and I'll invite Doug into my side of the fireside chat here – certainly what we see developing in the private-credit space in bank disintermediation, we think that our institutional clients, from our capabilities, are going to be most attracted to the private-credit capabilities that we've added to the Firm. And maybe Doug can spend a minute talking about what they look like.
Doug Peebles
Yes, so we've added quite a bit in the private-credit space. We now have capabilities in infrastructure debt investing, in middle-market lending, in commercial real estate direct lending, in opportunistic lending across the world, with a little bit of an extra focus on emerging markets, and then residential direct lending in the mortgage space as well.
And I think there's a couple of things that are exciting about this. Number one is, as I mentioned earlier, you get paid to give up liquidity. And I think in reality, you're not giving up as much liquidity as the marketing is pricing in that you're giving up for the extra yield that you get.
And I think the other thing that's very attractive from our institutional investors is that you – the accounting for these securities is much more sort of conventional loan accounting, which is you keep the securities at – or the exposures you have at par, unless you have an impairment.
And therefore, you're less subject to the vagaries of the securities markets, which, as I mentioned earlier, I think more and more the mark-to-market changes in the securities market is going to be driven by illiquidity or more sellers than buyers or more buyers than sellers than it ever has been in the past. So you're going to have more volatile markets in that space and, therefore, less attractive accounting treatment because of that volatility. And at the same time, you have more attractive accounting features and you get paid a higher yield. So there should be demand for that, and we've seen that demand.
Tom Whitehead – Morgan Stanley
I wanted to try the audience one more time. Anybody with questions? Okay. Chris, on the – I just want to talk about the opportunity for alternatives at AB. Is there a size you have in mind for the alternatives platform at AllianceBernstein ultimately growing to one day? And do you aspire to be a leader in alternatives, or do you view them more as a complement to the fixed-income and equity offerings that AllianceBernstein's had for a little bit longer?
Chris Bricker
Sure. So from – there's no number target. What we're setting out to do is, obviously, be relevant to our clients. So I would largely expect that our alternatives within the Firm would look a whole lot like the alternative allocations from our clients. So somewhere between 10% to 20% would be a reasonable guess as we continue to develop this throughout the private clients, retail and institutional.
With regard to – the second question was?
Tom Whitehead – Morgan Stanley
Well, it was how big do you see it becoming at AB, and then also is it a focus of the Firm, or do you think it's going to be a complement to it?
Chris Bricker
Clearly, a focus. We're not going to become an all-alternative firm. We will have a mix of equity, stock and bonds. But we do think that there is clearly an opportunity to be a leader in the space. We think that within retail, the education component, which is probably often the most spoken about component, is probably often the least-served component, and we do think that that's critically important.
And given the breadth of resource that we have through the marketing group using different medias, we have a very tenured group of wholesalers that are out in the field interacting with all of our biggest partners/advisors, and we think there's really an opportunity to lead – lead with a message, lead with high-quality products, and become both a leader but still have a very balanced business.
Doug Peebles
I would just add to that if you looked at AllianceBernstein before 2008, you said – look, it has two businesses from the investment side of things. It has an equity business, has a fixed-income business. In equity, we had growth value and we blended those together, and we had a platform that's taxable and tax-exempt in fixed income.
And then you look at us today and into the future, and I think you're going to see something very, very different. Yes, we have equities and we have fixed income, but we also have alternatives and we also have an actively-managed multi-asset team that really rounds out what we're doing and mixes together actively the variety of different offerings that we have in the alts and the fixed-income and the equity space.
And so if you think about that, that's a much healthier mix. And it's not because we decided that that's the way the Firm should be. It's because our clients are demanding that we move in that direction. And I think that we've generated the business model that's necessary to serve our clients' needs, which is always going to be the right business model.
Tom Whitehead – Morgan Stanley
Makes sense. And then, Chris, just to touch a little further into that, what additional capabilities within the alternatives space do you want or do you need, in your opinion? And can you give a few examples and maybe help publicize the kind of opportunity that's out there in a couple of these different holes that you may have at this point?
Chris Bricker
So we certainly clearly haven't covered the board. We don't intend to. We're not going to be everything to everyone. I wouldn't actually point out any specific services that we're looking to desperately fill at this point. We've done a tremendous amount. Doug referred to five or six different private-credit strategies. We brought on in 2009 a real estate equity capability. In 2010 we brought in a fund-to-funds capability. We've added long-short. So we've done a tremendous amount already in both the institutional space, which Doug referred to, and in the retail space, where we think we really have an opportunity to be a very formidable force.
We have a number of products in the US retail market, some of which have three-year track records. We also have a number of products in our UCITS platform – again, some of which have three-year track records. And there what we think we're going to be able to do to clearly take advantage of the two things that we have is, one, we have franchise retail distribution inside the US and outside of the US with the ability to deploy a tremendous amount of resource for education and helping advisors help their clients get these products into their portfolios.
And at the same time, we have high-quality offerings that are desirable at this point. I think it often goes unnoticed with some of the things that we have – for instance, the fund-of-funds team I mentioned. We brought that group in in 2010. They are probably one of the longest-tenured group managing hedge fund selection with over 18 years of experience – an exceptional track record and have done a magical job.
And at the same time, we're going to be able to use them to build multi-manager products right into the liquid space and take advantage of that. That's very powerful, and it's fully integrated within the platform, so I think we have a big opportunity there.
Now, we'll opportunistically add along the way, but not out looking for anything specific at this point.
Tom Whitehead – Morgan Stanley
And then you mentioned distribution and, especially on the retail side, how education is very important. Can you give us in your mind what the profile of a retail investor that's going to use liquid alternatives would be and educate us on the education process for that one?
Chris Bricker
So the term often used there is "less sophisticated." I would probably be a little bit more soft, because only, again, about 10% of those retail investors have really had enough money to have accessed traditional hedge funds. They're probably just unfamiliar is probably the better way to think about it. And unfamiliar together with they're more complex – they are meant to deliver a solution in a portion of your portfolio. So first you have to try and have an advisor explain what the solution's all about, and then second, you have to tell them where to source that from – all very, very difficult conversations.
So we really try and go right to the beginning, and before a product is out there, we're at the home offices talking to them about what they need, where their needs are. Once we do have a product, we're clearly – let's say, for instance, the white paper that Lisa Shalett put out – we'll clearly look and figure out how a group like Morgan Stanley, in this example, is talking to their 10,000-plus advisors.
Then we'll take our messaging and make sure that our 50-plus tenured wholesalers, our marketing forces, our Web, our social media is all lined up to deliver a consistent message that reinforces it and doesn't fight the home office's message in a constructive way and then just keep doing that, repeating that and executing it. We find that that's going to be the best way to get the word out.
Tom Whitehead – Morgan Stanley
Right. I'll try the audience one more time, and if not, I've got one more question for Doug. Oh, we have one question right there.
Unidentified Speaker
Thank you. I just wanted to get your thoughts on the kind of multi-asset opportunity and how your alternatives in fixed-income offerings kind of feed into that, so what's the current (inaudible) there and the growth opportunity around that kind of solutions opportunity there?
Chris Bricker
Sure. So the multi-asset opportunity, maybe to describe it a little bit, we have two of the long-standing members of the Firm, Vadim Zlotnikov and Dan Loewy, who have really joined forces and brought into the group our flight path strategies, our dynamic asset allocation strategies and our custom index strategies, but also have the full breadth, as Doug has pointed out, of access to anything that we're doing on the fixed-income platform, anything that we're doing on the equity platform and anything that we're doing in alternatives, as well as they can use alphas or betas to construct those multi-asset portfolios.
So in the early display, because this group's only been put together now for this year or for the last couple of months, the solutions have been multi-asset income, really using different asset classes to create income. We've added different components to our target risk and are looking to do things with our target date strategies, again, to bring that asset allocation and those portfolio diversifications forward.
Doug Peebles
Yes, I think that by and large, the industry used to be, okay, what do clients want? They want a bond allocation. And so you have a platform of different bond offerings that you give to them. I think, not the whole industry, but by and large, more of the conversations are the client really doesn't care about a bond allocation, right? The client wants an outcome, and that outcome is income. And so why not use as many levers as you possibly can to offer that client what their desire is? And that might include some portion of the liquid strategies. It might include some portion of passive strategies. But we should be able to access the full resources of the Firm to get that client their outcome.
And that situation or that experience is very different than sort of, okay, you can have AllianceBernstein for stocks or bonds. The client really wants that outcome, and we have created a group that is charged with delivering that outcome.
Now, it's, I think, appropriate to do that and put the ownership of that effort on a certain group as opposed to saying – okay, let's just engineer a strategy and let that strategy run its way through to fruition, whereas the way we're doing it and we're offering it and our clients are demanding it is actively manage that solution so that we have a fine ride and that we know that there's some ownership and accountability on the top end of that.
Tom Whitehead – Morgan Stanley
Great. So I think we're out of time. Doug, Chris, thanks for being here today.
Doug Peebles
Thank you, Tom.
Chris Bricker
Thank you, Tom.
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Choosing the Right Payment Gateway Quickly!
Hi –
I could really use your help! We just discovered your platform last week and are in the process of switching over to it. Yay! Previously, we were working with an open source code from out of the country that was much more complicated.
The clincher is that we are scheduled to launch on Thursday.
My question is about finding a payment gateway that we can launch with. We are a non-profit model, and we don't want to do the all-or-nothing system that Paypal Adaptive Payments offers.
And we need something with a quick registration and install turnaround so that we can be live by Thursday. We could always apply or register for a more sophisticated system later.
Do you have any suggestions/recommendations for us?
Our other platform, fyi, also used PayPal, but it was not their Adaptive Gateway. I am not sure how they got it to work without the Adaptive system.
Thanks so much!
- The topic 'Choosing the Right Payment Gateway Quickly!' is closed to new replies.


text:
I Had 310cc Implants 4 Days Ago and I Am Miserable. My breasts are swollen all over, including under the arm. I am tender and very sore all the way to my hip bones and around my sides. It hurts to lay down and it's very difficult to get up. I have been icing myself non-stop. When will this go away?
310cc Implants 4 Days Ago. When Will Pain and Swelling Subside?
Doctor Answers 7
Swelling After Augmentation
After your #breast #augmentation, it may take 2-3 months for the #implants to settle, muscles to relax, and #swelling to subside. Meanwhile, walking around the house periodically and other light activity will help minimize swelling and bruising and help with the #healing process.
Learn more: http://www.horowitzmd.com/plastic-surgery-procedures-newport-beach/breast-augmentation/
4 days post implants with swelling
Learn more: http://www.jjrothmd.com/before-and-after/category/breast-augmentation/
Breast implant augmentation surgery and stages of pain and need for medications
In my experience there are several stages to the pain story. The inflammatory phase of wound healing is 4 days and patients experience the most amount of discomfort during this period. Anti-inflammatory medications may help. Icing and range of motion excercises particularly with under the muscle placement are very helpful. Pain lasts on and off for intermittent need for pain medication for 7-10 days during the second phase and then at night from 3AM-4AM for about 3 weeks with nightly use of pain medications during this period. Thereafter it diminishes.
Learn more: http://www.bodysculptor.com/breast-surgery-chicago/
You might also like...
Pain and swelling after augmentation
It is normal to have some discomfort for several days after breast augmentation. If the pain is severe or the swelling is significantly different between the two breasts, then you may want to review this with your surgeon.
Learn more: http://www.stevenwallachmd.com
Significant pain and swelling after breast augmentation - see doctor
I would recommend that you consult your surgeon regarding the matter right away. While it is normal to have some discomfort, the pain should be significantly reduced by your medications. As far as the swelling is concerned, it should be relatively minimal. It is expected that moving from laying to sitting will require a bit of effort and possible discomfort on your part, the degree to which you are describing should be evaluated by your surgeon.
Breast augmentation
This does not sound normal. Have your plastic surgeon see you immediately. If there is large areas of bruising (ecchymosis), then there may be a hematoma. There may also be an infection.
Need to rule out hematoma after breast augmentation.
The picture you describe is not at all typical. There is usually little pain or swelling after breast augmentation.
See your plastic surgeon right away. A sonogram will show whether you have a hematoma.
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.