text:
Running or jogging is one of the best forms of exercises as well as the simplest form of exercise regime out there. All you need is to get into your sneakers and start running. As simple as it sounds, many newbie runners don't adapt well with this exercise long enough.
The main reason is the lack of endurance to keep running for a long time. After a few minutes of running, a newbie runner will start breathing heavily and the legs would be on fire begging to stop. Well, one simple advice for those who are trying this exercise for the first. Don't expect to run five miles or even a mile for that matter at the first attempt.


text:
PARIS — Renault SA hires one of Volkswagen AG's star executives to replace Carlos Ghosn, who became chief operating officer of Nissan Motor Co. late last month. Pierre-Alain de Smedt, 55, will become the No. 2 executive at Renault, in charge of purchasing, manufacturing, future projects and South America. He was chairman of VW's Spanish subsidiary SEAT SA. De Smedt, like Ghosn, has a very broad background. He has worked for suppliers Solvay SA, Siemens AG and Robert Bosch AG, and at ...
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subset: commoncrawl


text: About TCF Financial CorporationTCF is a Wayzata, Minnesota-based national bank holding company with $17.9 billion in total assets at September 30, 2012. The company has nearly 430 branches in Minnesota, Illinois, Michigan, Colorado, Wisconsin, Indiana, Arizona and South Dakota, providing retail and commercial banking services. TCF, through its subsidiaries, also conducts commercial leasing and equipment finance business in all 50 states, commercial inventory finance business in the U.S. and Canada, and indirect auto finance business in 40 states. Safe Harbor for Forward-Looking Information This press release may contain projections and other "forward-looking" statements within the meaning of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements deal with future results, plans or performance. We caution you that such statements are predictions and that actual events or results may differ materially. TCF's expected financial results or other plans are subject to a number of risks and uncertainties. Please see the forward-looking statement disclosure contained in the prospectus supplement relating to the Preferred Stock dated as of the date hereof for more information about risks and uncertainties. Forward-looking statements speak only as of the date made and TCF undertakes no duty to update the information.


text:
Advertisement [CLICK THE BUTTON ON THE RIGHT TO CONTINUE]
Author | exchange4media News Service | Thursday, Apr 26,2007 9:30 AM
With manufacturers failing to meet customers' demands, a new category has evolved in the market that provides support for desktops to consumers directly to their destinations. iYogi has announced in the capital that it has raised $3.1 million through a tie-up with Canaan Partners and SVB Financial Group. iYogi is a computer support provider for home and small businesses on the phone and via remote access.
Canaan Partners is a global venture capital firm that specialises in early-stage information technology and life sciences companies, while SVB Financial Group is the parent company of SVB Silicon Valley Bank. Alok Mittal, Executive Director, Canaan Partners, was named to the iYogi board of directors.
Such an investment from Canaan Partners will speed up iYogi's growth and customer acquisition and would also promote its delivery infrastructure. Canaan has been the leading investor in the online matrimonial service portal Bharat Matrimony.
About the latest tie-up with iYogi, Mittal said, "As computers become more central to our lives, technology and service companies are in a race to provide tools and solutions that can meet the ever growing need for support. iYogi is Canaan Partners' first investment in a growing trend of outsourcing services from India, wherein companies establish a direct customer relationship with end consumers."
Uday Challu, CEO, iYogi, said, "Most manufacturers have been scaling back the scope of their warranties, thus leaving customer distraught. This has led to the emergence of the third party vendor independent support providers. It is a new service category and an opportunity to shape customer expectations. We are delighted to partner with Canaan Partners and Silicon Valley Bank. Together they bring a wealth of knowledge and experience. More importantly, they share a common vision to bring to market next generation services, reaching millions of customers across the globe."


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Ever wondered why you heard that cracking sound every time you, well, crack your knuckles? Sure, the sound is there, but why does it make those popping sounds? Furthermore, is it dangerous or not? Here's one thing for sure: cracking your knuckles does not cause arthritis. That's a myth and you should tell your friends about that.
A group of scientists have found out that the cracking sounds originate from the production of a gas-filled cavity located in the synovial fluid that is responsible for decreasing the friction between your joints.
Using MRI
The team of researchers were able to uncover this by using MRI and recording the results of an actual person pulling a finger.
Pull My Finger Study
According to Greg Kawchuck who is the lead author, the results were filmed through the MRI as Jerome Fryer's fingers were pulled.
The Setup
Fryer's fingers were pulled by a cable located inside a tube one at a time as the MRI began recording the process. Thus, like a vacuum, a cavity is produced to fill the increasing joint volume instead of the fluid that's nowhere to be found. And that is how you hear the popping sounds.
Since we are now aware of the origin of the cracking sounds, the team of scientists hopes that this discovery helps in identifying whether the process is ultimately harmful or safe.
source: www.healthiswealthofheart.com
Copyright belongs to the owners of the articles mentioned about. We are gratefully sharing and passing it forward! If this article belongs to you and have any requests or mentions please leave a comment in the article!


text:
September 05, 2011
Writer Gary Robertson posed 10 questions to the presidents of Hampden-Sydney College, Longwood University, the University of Mary Washington and Virginia Commonwealth University. Here are their emailed answers.
Christopher B. Howard, president of Hampden-Sydney College
With rising college costs far outstripping the rate of inflation and with increasing student debt, many Americans are now questioning the value of a college education. Do you think a college education is still a good value for most people, even if it leaves them in debt?
Unquestionably, a college education - both in terms of future earnings and personal fulfillment - is a good value. According to the Bureau of Labor Statistics (2010), the median weekly earnings for a four-year college graduate are 66 percent higher than for a high school graduate and 37 percent higher than for the holder of an associate degree.


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ICD-10 Diagnosis Code J21.0
Acute bronchiolitis due to respiratory syncytial virus
Diagnosis Code J21.0
Short Description: Acute bronchiolitis due to respiratory syncytial virus
Long Description: Acute bronchiolitis due to respiratory syncytial virus
This is the 2017 version of the ICD-10-CM diagnosis code J21.0
Valid for Submission
The code J21.0 is valid for submission for HIPAA-covered transactions.
Code Classification
Diseases of the respiratory system (J00–J99)
Other acute lower respiratory infections (J20-J22)
- Acute bronchiolitis (J21)
- Other acute lower respiratory infections (J20-J22)
Information for Medical Professionals
The diagnosis code J21.0 is grouped in the following Diagnostic Related Group(s) (MS-DRG V34.0)
Convert to ICD-9 General Equivalence Map
The ICD-10 and ICD-9 GEMs are used to facilitate linking between the diagnosis codes in ICD-9-CM and the new ICD-10-CM code set. The GEMs are the raw material from which providers, health information vendors and payers can derive specific applied mappings to meet their needs.
- 466.11 - Acu broncholitis d/t RSV
- Acute bronchiolitis
- Acute bronchiolitis caused by respiratory syncytial virus
- Acute viral bronchiolitis
- Disease caused by Pneumovirus
- Respiratory syncytial virus bronchiolitis
- Respiratory syncytial virus infection
Information for Patients
Bronchial Disorders
The bronchi are two tubes that branch off the trachea, or windpipe. The bronchi carry air to your lungs.
The most common problem with the bronchi is bronchitis, an inflammation of the tubes. Bronchitis can be acute or chronic. Other problems include
- Bronchiectasis, a condition in which damage to the airways causes them to widen and become flabby and scarred
- Exercise-induced bronchospasm, which happens when the airways shrink while you are exercising
- Bronchiolitis, an inflammation of the small airways that branch off from the bronchi
- Bronchopulmonary dysplasia, a condition affecting infants
Treatment of bronchial disorders depends on the cause.
- Bronchiectasis
- Bronchiolitis
- Bronchiolitis - discharge
- Bronchopulmonary dysplasia
- Postural drainage
- Tracheal rupture
[Read More]
Respiratory Syncytial Virus Infections
Also called: RSV
Respiratory syncytial virus (RSV) causes mild, cold-like symptoms in adults and older healthy children. It can cause serious problems in young babies, including pneumonia and severe breathing problems. Premature babies and those with other health problems have the highest risk. A child with RSV may have a fever, stuffy nose, cough, and trouble breathing. Lab tests can tell if your child has the virus. There is no specific treatment. You should give your child fluids to prevent dehydration. If needed, you can also give a pain reliever (not aspirin) for fever and headache.
RSV easily spreads from person to person. You can get it from direct contact with someone who has it or by touching infected objects such as toys or surfaces such as countertops. Washing your hands often and not sharing eating and drinking utensils are simple ways to help prevent the spread of RSV infection. There is currently no vaccine for RSV.
Centers for Disease Control and Prevention
- Respiratory syncytial virus (RSV)
- RSV antibody test
[Read More]


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Critics Reviews Audience Reviews Updated: January 05, 2016 05:02 PM IST
Deepak plays a futile anchor who doesn't find peace at work. To make things worse, one of his colleague gives him a tough competition which puts Deepak's job at risk. If his professional life is a mess, his personal life too doesn't treat him well leaving him distressed.
Though Rajendran makes his appearance only in the second half, he carries the entire film from that point onwards. Ivanuku Thannila Gandam can be termed as a Rajendran film as this movie would almost be worthless without his contribution.
Buy Movie Tickets
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This content has been marked as final. Show 2 replies
1. Re: Accessing same data in Multiple Excel Worksheets973532 Nov 19, 2012 9:47 AM (in response to 973532)Again, as I got no help from the forum, I resolved this by changing the data model within BI Publisher and created another query for the summary data and then referenced this on the other page.
Will leave thread open for a few days in case someone has a better way of doing it.
I wanted to reference the existing data because:
a) it is already there, why should I have to run another query
b) I am guaranteed to get the same results and won't have any rounding type issues when aggregating the individual values.
2. Re: Accessing same data in Multiple Excel Worksheets973532 Nov 21, 2012 1:50 PM (in response to 973532)Don't know if there are any Excel template/Bi Publisher developers out there but it initially appears to me that if you are doing anything a little clever you are on your own.
When I mean clever, I mean do more than just publish data directly, unformatted, unchecked or unmanipulated from the xml by creating sub totals and totals, additional functions both row and group level then it may be possible but you have to find out on your own.
Surprise, surprise, No replies so closing thread.


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LAS VEGAS, Nevada--The Sky Sox defeated the Las Vegas 51s, 5-4, in PCL action to take a 2-games-to-0 lead in the series. The 51s dropped their third straight game overall. The 51s recorded 8 hits and second baseman Joe Thurston was 2-for-5 and left fielder Chin-Feng Chen was 1-for-2 with a two-run home run (#7) in the second inning for his franchise leading 79th. Center fielder Jason Repko was 1-for-4 with a RBI single in the seventh inning to tie the game at 4-4. Thurston singled with two outs in the ninth inning but was thrown out at second base to end the game. Right-hander Harold Eckert recorded another strong start. He pitched 5+ innings, allowed 5 hits, 3 runs and struck out 4. He pitched five shutout innings. Right-hander Alfredo Gonzalez (1-1)pitched 1.2 innings and allowed 1 run to suffer the loss.
JACKSONVILLE, Florida -– Russell Martin hit a three-run home run in the bottom of the ninth, giving the Suns a 9-7 victory over the Mobile BayBears. The Suns (26-27) scored three runs in each of the eighth and ninth innings to stage the team's fourth ninth inning comeback this season. Martin homered to right field on a 3-2 pitch after singles by Jon Weber and James Loney. Second baseman Delwyn Young was a late scratch because of sore hamstrings and Brian Sprout was inserted in the No. 2 hole, where he hadn't batted since May 3. Sprout singled in Todd Donovan in the first, boosting the Suns to a 1-0 lead. Sprout's two-run single in the second gave the Suns and starting pitcher Jonathan Broxton a 3-0 advantage. Broxton pitched four scoreless innings, but allowed three runs in the fifth inning and was relieved by Jason Olson with one out. Olson retired two batters on two pitches and sent down seven before the BayBears scored four runs with two outs in the seventh off Olson to take a 7-3 lead. Jimmy Rohan's RBI single in the eighth started a three-run, two-out rally. Donovan hit a two-run single to bring the Suns to within 7-6. Beau Dannemiller (1-3) pitched a scoreless ninth, leaving the one-run deficit intact for the Suns' hitters in the bottom of the ninth. Right-hander Chad Billingsley (4-3, 4.86 ERA) is scheduled to face the BayBears Thursday at the Baseball Grounds of Jacksonville. Sun Spots: All Suns position players got hits for the second consecutive game. The Suns are batting .354 (96-for-271) over their last seven games and are 5-2 despite allowing 37 runs in that span. …Young pinch-hit in the eighth inning, singled and scored a run. …LF Tydus Meadows (sore wrist) played for the first time in a week and went 1-for-3 with a single before being removed on a double-switch. …Suns pitchers struck out 14 BayBears hitters. …CF Todd Donovan is 23-for-58 (.397) with 10 extra-base hits in his last 11 games. He has seven triples, which leads the league and is three shy of tying the Suns' single-season record. …The Suns' 16-14 record in May marked the team's first winning month since April 2004.
VERO BEACH, Florida Justin Orenduff struck out 12 batters in six shutout innings to lead the Dodgers to a 5-0 win over the St. Lucie Mets. The Vero Beach staff struck out a season-high 17 batters to improve their record to 31-22, retaining at a 2-game lead for first place in the East Division. Andy LaRoche ripped his 20th home run of the season and Matt Kemp launched his 11th to the lead the offense. Orenduff's 12 strikeouts are the most by any single Dodgers pitcher this year. Beltran Perez added four and Casey Hoorelbeke picked up one in his lone inning of relief. It was the only Vero's second win of the year against the Mets and both have come by shutout (the other was a 1-0 win on Opening Night). Orenduff picked up the victory to improve to 4-2, while lowering his ERA to 1.86. The Vero offense came alive in the third inning. Xavier Paul led off with a double. He later scored when Chin-lung Hu reached on a fielder's choice. LaRoche then drilled his home run. One out later Cory Dunlap walked and Anthony Raglani singled him home to put the Dodgers up 4-0. Kemp added his solo shot, off the batter's eye in center, in the fifth. The series continues Thursday night at St. Lucie at 7:00 PM.
COLUMBUS, Georgia --was rained out. OF Ryan Russ was recently named the South Atlantic League Batter of the Week from May 23-May 29. Over the six-day period Russ batted .600 (12 for 20) with three doubles, two triples, a home run, eight RBI and eight runs scored. Russ also posted a .650 slugging percentage and a 1.050 slugging percentage. Russ is the first Catfish player to win this honor in 2005. The Catfish will play a double-header against Greenville Bombers (Boston Red Sox) tonight in Greenville.
Russell Martin belts game-winning, three-run HR
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text: Home Gallery Interactive (video) Led Zeppelin Physical Graffiti Interactive Video Explore Led Zeppelin's 'Physical Graffiti' Album Cover Interactively Video Lets You See What's Inside 16 Apartment Windows Published on Apr 14, 2015 Editor's Pick Led Zeppelin fans can take an interactive journey inside the album cover of the band's iconic album "Physical Graffiti" in a video released on its website. Made in collaboration with media and technology company Interlude and production company Prettybird (whose Hal Kirkland conceived and directed the project) the video accompanies a previously unreleased rough mix of "Trampled Under Foot," called "Brandy & Coke." Viewers can click on any of 16 different windows of the apartment building on the album cover and explore different rooms inside. What they'll see includes archival footage, such as the band's full Earl's Court performance of the song, original animations and live action film. "Physical Graffiti" is currently celebrating its 40th anniversary, and the new track is featured on the newly released deluxe edition. Rate this Ad You must be registered to rate the ad. Please Login or Register Now About CreditsDateApr 14, 2015Client:Led ZeppelinProd. Co.:PRETTYBIRDDirector:Hal KirklandExecutive Producer:Candice DragonasExecutive Producer:Derek RichmondProducer:Nathan ScherrerDirector of Photography:Sing Howe YamProduction Designer:Justin DragonasStylist:Angela SoloukiHair & MakeUp:Valene del RosarioProduction Manager:Ben Piety1st A.D.:Bob Walter2nd 2nd A.D.:Georgette Angelos1st AC:Spencer Goodall2nd AC:Devon TaaffeData Management:Emilie CollierGaffer:Drew ValentiBB Electric:Mike VieraSwing:Andrew GorrellKey Grip:Chris O'LearyBB Grip:Sam KleinSet Decorator:Tara KocourekArt Driver:Roland BerryStylist Assistant:Lisa CatalinaHair & Makeup Assistant:Michelle YamashiroProduction Assistant:Trevor HugleProduction Assistant:Martin UsherProduction Assistant:Matthew RobertsProduction Assistant:Jeff KopichaProduction Assistant:Kyle FergusonProduction Assistant:Charlotte DelonPost Production Company:ParallaxEditor:Paul RogersSound Design:VaudevilleAnimation:Tansistor StudiosExecutive Producer:Damon MeenaCreative Director:Aaron BaumleCreative Director:Jamie RockawayArt Director:Geoff KeoughProducer:Katherine AllenProducer:Shane DollyProducer:Mike SulloDesigner:Lyejm Kallas-LewisDesigner:Michael BlankDesigner:Ryan WeibustDesigner:Jil Taianimators:Jamie Rockawayanimators:Geoff Keoughanimators:Lyejm Kallas-Lewisanimators:Ryan Weibustanimators:Richard Lampasoneanimators:Chris RussoEditor:Michael CaponeSee more credits CategoryMusic Video GenreMusic Latest Creativity News on Ad Age Video: Cannes Is Too Costly, WPP CEO Says, but There Might Be a Fix Kathryn Bigelow Joins Smuggler, Public Record Signs Daisy Zhou Agency Brief: Where Is Everybody? Related work The XX: I Dare You Portugal.TheMan: Rich Friends Wieden & Kennedy Real Estate: Stained Glass


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text:
Tip: Check these visuals to see whether your Outlook client supports this add-in.
This add-in requires one of the following applications:
Need help finding your version?
When this add-in is used, it
The universal Syncplicity Outlook Add-in for Microsoft Office 365 lets you seamlessly share files from Outlook as secure links through your Syncplicity account, on multiple platforms and devices. The new Outlook Add-in fits into enterprise user workflows and combines the value of Syncplicity file sharing— real-time back-up, enterprise security and no file size restrictions—with dramatic reduction in the IT infrastructure and administrative costs associated with email attachments.
The add-in only needs to be installed once, making it available across multiple devices on any platform or operating system that supports the new Outlook 365 Add-ins format. With a click or a tap, turn even the largest attachments into links secured by Syncplicity's hybrid enterprise cloud, saving time and increasing both productivity and security. IT departments control data leakage by configuring standard Syncplicity policies such as link expiration, password protection and file-level rights management, for different user groups depending on content security and collaboration requirements.
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Shop-Vac 9623810 Industrial Multi Purpose Wet/Dry Vacuum Cleaner
Shop-Vac 9623810 Industrial Multi Purpose Wet/Dry Vacuum Cleaner Features Quiet Operation and Includes Heavy-Duty Casters, Tool Basket and Caddy, and Tank Drain
Shop-Vac is the premier manufacturer of commercial wet/dry vacuum cleaners,
and their line of vacuums inhale liquids with blinding speed with cleanup
compartments measured in gallons, rather than the small bags used in a typical
household machine. Therefore, for heavy-duty cleaning jobs, Shop-Vacs can't be
The Shop-Vac 9623810 Industrial Multi Purpose wet/dry vacuum cleaner is no exception, as its state-of-the-art design and patented cleaning technology gets the job done. Equipped with a powerful 2.5 peak hp motor with 100 CFM, as well as 90 inches of sealed pressure, this wet/dry vacuum cleaner handles the messes other vacuums leave behind. Heavy-duty casters result in superior maneuverability, while the tank drain makes emptying the 9623810 Industrial Multi Purpose a breeze. The 2.5-inch lock-on hose system is ideal for large debris cleanup and keeps the hose connected to the inlet, while the versatile on-board set of accessories lets you clean any type of cleaning task, such as garages, workshops, and basements. Also included is an extra-long, 35-foot power cord, as well as 2 extension wands, a 12-inch floor nozzle with brush, crevice tool, round brush, and gulp nozzle. Best of all, the Industrial Multi Purpose features super-quiet operation and will not disturb your indoor environment.
Therefore, if you need a versatile wet/dry vacuum cleaner, choose the Shop-Vac 9623810 Industrial Multi Purpose.
- Model: 9623810
- Product Type: Industrial Multi Purpose Wet/Dry Vacuum Cleaner
- Application: Cleans wet and dry debris
- Voltage: 120 volts
- Watts: 280 watts
- Amps: 9 amps
- Frequency: 60 Hz
- Certifications: UL
- Tank Size: 12 Gallons
- Approximate Tank Capacity (Dry): 11 Gallons
- Approximate Tank Capacity (Wet): 10 Gallons
- Construction: Heavy Duty Plastic
- Portability Features: Caster Wheels, Side Carrying Handle, Top Carrying Handle
- Motor Type: 2 stage
- Peak Horsepower: 2.5 HP
- Sealed Pressure: 90 Inches
- Air Flow: 100 CFM
- Power Cord Length: 35 Feet
- Hose Size (Diameter): 1.25 Inches
- Hose Size (Length): 7 Feet
- Lock On Hose: Yes
- Tank Drain: Yes
- Blower Feature: No
- Filter Type: Reusable Cloth Filter Bag, Foam Sleeve, Reusable Disc Filter, Disposable Filter Bags, Cartridge Filter
- Accessory Storage: Yes
- Includes: Extension Wands, Utility Nozzle, Floor Nozzle, Gulper Nozzle, Crevice Tool, Squeegee Inserts, Dust Brush
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- Tank drain makes emptying a breeze
- Tool basket brings accessories at your fingertips
Safe, Secure Shopping
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text:
Ongoing cases of P.E.I. potatoes being found with metal objects inserted into them became the focus of heated debate in the P.E.I. legislature today.
In the first question period since the May 4 election, Opposition Leader Steven Myers pressed government on why there was no mention of P.E.I.'s potato tampering cases in yesterday's speech from the throne.
"Do you not recognize how grave this situation is for Prince Edward Island?" Myers asked.
Premier Wade MacLauchlan acknowledged the issue is a serious one and pointed to a motion co-sponsored by government and Opposition planned for debate later in the day condemning the tampering as senseless criminal acts and urging the provincial and federal support food safety measures.
"We have been very much on top of this issue and in active discussion and something we've been treating with the utmost seriousness throughout government and we're standing together with the farming community in addressing this issue," MacLauchlan said.
"Indeed it is a serious concern to the farming community and, I may add, to the entire economy of the province given the role that the potato sector plays in our total economic success."
But Myers pointed out the throne speech lays out government's vision for the coming year, again questioning why support for farmers facing this crisis was left unaddressed in the speech.
"Is the safety and security of the potato industry on Prince Edward Island not part of your vision?" Myers said.
"Did you forget this detail when you were writing your speech?"
Agriculture Minister Alan McIsaac pointed to $1.4 million in provincial and federal money that has already been committed to Island farmers through the Growing Forward program to help them purchase metal detectors to screen potatoes for safety.
McIsaac also called the potato tampering issue a crisis.
"We need to get the bottom of this, it results in about $1 billion to our economy. We cannot carry on like this."
The province has contributed $10,000 toward a $100,000 reward being offered for any information leading to the arrest and conviction of the individual or individuals. Anonymous tips are eligible for the reward.
Money has also been made available to P.E.I. farmers for metal detecting equipment through a biosecurity program.


text:
Ladies' 8.0mm Swirled Wedding Band in 14K Two-Tone Gold
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This ladies' 10K two-tone gold wedding band is 8.0mm wide and has a swirl design. View product details.
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text:
About the Book
This book contains a collection of photos taken by me throughout a timeframe of little over a year. I decided to compile these photos into a book to document the progress I have made in photography.
Features & Details
- Category Arts & Photography
Standard Landscape, 10×8 in, 25×20 cm
22 Pages
- Publish Date Jan 14, 2014
- Language English
- Tags Photography, Sunset, Sunrise, Pictures
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text:
|Shosuro's Dagger
|Created by:
|First used by:
|Currently in the possession of:
Shosuro's Dagger was a powerful nemuranai which was guarded by the Scorpion Clan at Shiro no Soshi.
Abilities Edit
The dagger paralyzed the victim, and while the blade was in, sucked the soul's victim, until dead. [1]
Oracle of Fire Edit
In 1123 the Shosuro Daimyo Shosuro Hametsu ordered the dagger to be brought to Kyuden Shosuro. It had to be used by Shosuro Shiriko against the Oracle of Fire, so she could strip the Oracle of his power and bestow it upon Shiriko. [2] A group of samurai thwarted the Scorpion plan. [3]
|This Scorpion Clan related article is a stub. That means that it has been started, but is incomplete. You can help by adding to the information here.


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Cohen & Steers, Inc. (NYSE:CNS)
Q2 2008 Earnings Call Transcript
July 25, 2008 11:00 am ET
Salvatore Rappa – SVP and Associate General Counsel
Marty Cohen – Co-Chairman and Co-CEO
Matt Stadler – CFO
Bob Steers – Co-Chairman and Co-CEO
Joe Harvey – President
Cynthia Mayer – Merrill Lynch
Mike Carrier – UBS
Erin Caddell – Hovde Capital
Good morning. My name is Sharon, and I will be your conference operator today. At this time, I would like to welcome everyone to the Cohen & Steers second quarter 2008 financial results conference call. At this time, all lines have been placed on mute to prevent any background noise. After the speakers' remarks, there will be a question-and-answer period. (Operator instructions) Thank you.
It is now my pleasure to turn the floor over to Salvatore Rappa, Senior Vice President and Associate General Counsel. Sir, you may begin your conference.
Salvatore Rappa
Thank you and welcome to the Cohen and Steers second quarter 2008 earnings conference call. Joining me are Co-Chairman and Co-Chief Executive Officers, Marty Cohen and Bob Steers; our President, Joe Harvey; and our Chief Financial Officer, Matt Stadler.
Before I turn the call over to Marty, I want to point out that during the course of this conference call we may make a number of forward-looking statements. These forward-looking statements are subject to various risks and uncertainties, and there are important factors that could cause actual outcomes to differ materially from those indicated in these statements. We believe that some of these factors are described in the Risk Factors section of our 2007 Form 10-K, which is also available in our website at cohenandsteers.com. I want to remind you that the company assumes no duty to update any forward-looking statements.
Also, the presentation we make today may contain pro forma or non-GAAP financial measures, which we believe are meaningful in evaluating the company's performance. For detailed disclosures on these pro forma metrics and their GAAP reconciliations, you should refer to the financial data contained in our previous earnings releases.
Finally, this presentation may contain information with respect to investment performance of certain of our funds. I want to remind you that past performance is not a guarantee of future performance. For more complete information about the funds we will discuss today, including charges, expenses and risks, please call 800-330-7348 for a prospectus.
With that, I'll turn the call over to Marty.
Marty Cohen
Thank you, Sal. Good morning and thank you for joining us today. Let me just go through the headline numbers and I'd like to talk about some business trends that we've noticed in the first half of this year and then look at the balance of the year. As we reported last night, we earned $0.32 per share in the second quarter of 2008 that compares with $0.44 per share a year ago and $0.31 per share in the first quarter of 2008.
Our assets under management were $27 billion that compares to $34.6 billion a year ago and $28.6 billion in the first quarter. With respect to our assets under management, the decline that we suffered this year has been entirely due to market depreciation. Our net flows in the past quarter were exactly zero. As you are probably aware, US real estate has been in a bear market since early 2007. And that bear market has now spread to most foreign real estate markets and stock markets in general.
Our largest investment category is global and international real estate securities, and that has done so far more poorly than in 2007 this year. The US market has actually held up quite well with only modest depreciation of 3.6% in the first half of the year. In that same period, the Asia real estate market was down 22.8% and Europe was down 18.4%. We can't control or affect the tide of a bear market, of course, but we are nonetheless pleased with our asset flows.
Retail net outflows were 158 million in the second quarter. That's less than the first quarter and I think they are surprisingly low number when you consider the current state of market sentiment with respect to real estate in general. Moreover, we had net inflows into our institutional business of 158 million, exactly offsetting those retail outflows. And we added during the quarter three new – net three new client relationships.
Our asset diversification efforts continue to pace. We recorded 367 million of net inflows into our large cap value portfolios in the second quarter. We think this is a very good development and we have already secured two large cap value mandates, not included in our current numbers that will be funding before year-end. Importantly these are accounts that are in platforms, which have we think a substantial amount of growth potential.
We've mentioned in the past, really for the past couple of years that we expected this sector to be an important contributor to our asset growth and we are delighted that this is indeed happening today. I should mention as well, of course, that we also have institutional mandates for real estate that will be funding in the second half of this year.
As we announced earlier this year, we've modified the focus of our utility efforts to include global infrastructure companies. Q2, we've enjoyed modest but positive net flows into our open-end fund. This is bucking the industry trend of net outflows from utility fund, something that has persisted for a number of years. It's also encouraging that we are seeing some sign of institutional interests in this area.
Finally, in the area of alternatives, we have now begun marketing our global long-short fund, whose objective to achieve good absolute returns with low volatility. Our initial investment returns using current capital have fully met our expectations, and the level of preliminary interests from outside investors is encouraging. We hope to report to you the initial results of our marketing efforts in our next quarterly call.
Investment banking, our major segment, recorded only modest revenue in the quarter and modest loss. This is somewhat inline with the rest of the banking industry, the one we hope will improve as the markets do. As we said repeatedly, this is a business that is unpredictable from quarter to quarter, but (inaudible) contributor to our process.
Now let me spend a minute or two on how see the balance of the year from a business standpoint and how we are dealing with this challenging environment. While we can't predict when the equity markets will recover, we are very encouraged by the relative performance of the US REIT market this year. By the way, as of today or this morning, US REITs are up for the year while just about every major market averages down.
Influencing our performance, of course, will be the foreign market and we expect that as is usual, the foreign markets will rotate into a positive territory as time goes on. It's very clear to us that valuations worldwide are today discounting many of the concerns that are currently knowable. When sentiment shifts, we have never been better positioned to benefit as the market leader in this sector.
We are only one of a handful, a small handful, of firms that can boast a five-year record of managing global real estate securities portfolios. Our marketing efforts will continue to concentrate on our non-REIT and alternative strategies that are demonstrating excellent performance. With respect to large cap value, we now have almost a seven-year composite record and a full three-year performance record for our open-end fund, which I should mention is in the top decile of performance on the one, three and five-year period and is attracting a great deal of attention, as I mentioned earlier.
While we are vary of adding considerably to our headcount, we are finding that the turmoil on Wall Street is presenting us with the ability to make some very opportune strategic hires. Clearly having a strong balance sheet and a growth plan is very helpful. This situation is very helpful for our company.
We've always been very cost conscious at Cohen & Steers, but we continue to look for ways to save money without doing any harm to our business. There is a mentality here and a culture where all of our employees know how important it is to maintain profitability.
Finally, our strong financial position will continue to enable us to incubate new strategies real time and to take advantage of any opportunities to expand our business that may come out of the chaos. It seems to be gripping so many parts of the financial market.
And with that, I'd like to turn it over to Matt Stadler for the financial details.
Matt Stadler
Thanks, Marty. Good morning everyone. Yesterday we reported earnings of $0.32 per share compared with $0.44 per share reported in the prior year and $0.31 per share sequentially. The decline in earnings from the 2007 period was primarily due to lower average assets under management and investment banking fees. We reported revenue for the quarter of $55.3 million compared with $69.3 million in the prior year and $53.6 million sequentially. Net income for the quarter was $13.6 million compared with $18.6 million in the prior year and $13 million sequentially.
As a result of extremely challenging market conditions, our assets under management decreased to $27 billion from $28.6 billion at March 31. Market depreciation accounted for the decline, as net flows and open-end funds were offset by net inflows and institutional separate accounts.
US REIT common stocks comprised 44% of the total assets we manage, followed by non-US REIT common stocks at 27%, preferreds at 11%, utilities and listed infrastructure at 9%, and large cap value at 5%.
Turning to our two business segments, in our asset management business, we recorded quarterly revenue of $54.4 million, down 18% from the prior year, but up 2% sequentially. The year-over-year decline was primarily attributable to lower average assets during the quarter. Average assets for the quarter were $29.2 billion compared with $33.7 billion in the prior year and $28.5 billion sequentially.
Our effective fee rate for the quarter and on a year-to-date basis was 65.5 basis points, down 1.5 basis points from the comparable prior periods. The decline was primarily due to lower fee rate in our institutional business, particularly offset by higher fee rates in our closed-end funds.
Pretax income for the quarter was $22.7 million, down 23% from last year but up 2% sequentially. Asset management's pretax margin was 42% for the quarter and is 42% on a year-to-date basis.
Now let's review the changes in assets under management. Assets under management in our closed-end mutual funds totaled $9.5 billion at June 30, a decrease of $193 million or 2% from the first quarter. The decrease in assets under management was the result of market depreciation.
Our open-end funds had assets under management of $7.6 billion at June 30, a decrease of $788 million or 9% from the first quarter. The decrease in assets under management was attributable to market depreciation of $630 million combined with net outflows of $158 million. I should note that we are in the process of adding a distribution partner in Europe and that we recorded net inflows into our non-US open-end mutual funds. Gross subscriptions for the quarter totaled $660 million, and more importantly, we continued to see a deceleration in the level of outflows.
Assets under management in our institutional separate accounts totaled $9.8 billion at June 30, a decrease of $629 million or 6% from the first quarter. The decrease was comprised of market depreciation of $787 million, partially offset by net inflows of $158 million. We recorded net inflows of $236 million into global and international realty portfolios, and had net outflows of $443 million from domestic realty portfolios. And as Marty said earlier, our large cap value portfolios recorded net inflows of $367 million.
In our investment banking segment, we recorded quarterly revenue of $840,000, down from $2.9 million in the prior year, but up from $51,000 in the first quarter of 2008. The current quarter represented one of our lowest quarters of banking fees and last quarter represented our lowest quarter. Investment banking revenue remains very unpredictable. The banking segment reported a $783,000 pretax loss for the quarter.
Moving to expenses. On a sequential basis, expenses were down about 1% in the quarter. Lower amortization of deferred commissions and depreciation and amortization were partially offset by higher employee compensation and G&A. Amortization of deferred commissions decreased 49% from the first quarter. The decrease was primarily due to lower subscriptions in our open-end load mutual funds.
At the end of January, the intangible asset attributable to non-compete agreements established when we went public fully amortized. This resulted in the sequential reduction in depreciation and amortization. Since our compensation-to-revenue ratio remained at 32.5% for the second quarter, the increase in compensation expense is in line with the growth in revenue. G&A increased 3% sequentially. This increase was primarily attributable to higher technology costs associated with our continued global expansion.
Now turning to the balance sheet. Our cash, cash equivalents, and marketable securities totaled $185 million compared with $180 million last quarter. The $185 million excludes approximately 17 million utilized during the quarter to seed our global real estate long-short fund. Since we are currently the sole investor in our global real estate long-short fund, the balance sheet in our 10-Q will reflect $26 million of assets and $9 million of liabilities related to the consolidation of the fund onto our books and records. This investment will be deconsolidated after we accumulate sufficient outside investors into the fund. Our stockholders' equity was $278 million compared with $272 million at March 31.
Let me briefly discuss a few items that will have an impact on our second half results. The first item is our effective tax rate. Last quarter, we mentioned that our effective tax rate for 2008 would be between 37% and 38%. Our rate for the second quarter was 38% and we expect to maintain that rate throughout the second half of the year.
With respect to employee compensation, we expect to maintain our compensation-to-revenue ratio at approximately 32.5%. Although we continue to maintain control over our expenses, as Mary mentioned, we will also selectively take advantage of opportunities the current market environment presents. We have committed to expand our global investment and institutional sales teams and have taken additional space in our Hong Kong office. These initiatives will add about $0.01 per share of G&A costs to the third quarter. We recorded a loss from marketable securities for the quarter versus a gain in the prior year. Please keep in mind that as we continue to commit firm capital to seed additional investment strategies, there may be more volatility in this line item.
As you know, it is quite difficult to predict fees from our banking segment. Although the pipeline remains active, the closer we get to year-end, the potential to record fees from M&A or restructuring transactions, which typically generate higher fees, lessen due to the long lead time associated with these activities.
And finally, we do not expect to record any meaningful revenue from the alternative business, which includes our global real estate long-short fund and our private global real state fund of fund until next year. Now I'll turn it back to Marty.
Marty Cohen
Thanks, Matt. And with that, why don't we open it up for questions.
Question-and-Answer Session
(Operator instructions) Our first question is coming from Cynthia Mayer from Merrill Lynch. Please go ahead.
Cynthia Mayer – Merrill Lynch
Hi good morning. Just a couple of questions. One, just to follow up on what you were mentioning about seeding new products. I'm wondering if you have in mind a certain amount of cash that you want to commit to seeding new products? What kind of size portfolio could you end up with?
Marty Cohen
Cynthia, we don't really have a target. It's been a great use of capital on our balance sheet and the opportunity to start new initiatives and get track records going. That's really what dictates how much we invest rather than having some set number.
Matt Stadler
Right. I mean, the 17 million that we put into the long-short fund is probably one of the bigger amounts that we've done. Typically when we seed our open-end funds, or we put some money in the close-end funds for lesser amounts. But the amount that we invest will be dictated in part on what the expectation is to market the fund so that we show a competitive amount of "skin in the game."
Cynthia Mayer – Merrill Lynch
Okay. You guys have such a strong balance sheet. Do you want to talk a little about what you want to use it for aside from seed investments? What opportunities are you seeing, or would you consider – I don't know what your distribution arrangement, whether that would cost something somehow, but do you see opportunities to expand using your balance sheet?
Marty Cohen
Well, we are very comfortable with our cash position. And right now, we are very happy to be using it as we are today. But clearly we hope it doesn't happen, but if this environment in the financial markets and some of the other asset managers, if there are opportunities to expand our business, we certainly are open for looking at that. But we don't have a capital plan right now to do anything specifically, but really we look for – wait for opportunities either internally or externally. I know that sounds very generic, but it's exactly where we are today.
Cynthia Mayer – Merrill Lynch
Okay. And then just couple of quick questions on flows, you had nice inflows at that large value fund, but outflows from REITs on separate accounts. I'm just wondering what you attribute that outflows from REIT products to separate accounts at this stage? Is there a sense among institutional clients that REIT underperformance is likely to continue or come back or they are just being risk-averse, or are they going to passive vehicles?
Bob Steers
Cynthia, it's Bob. I think the sentiment institutionally is still fairly discipline that they're adhering to the asset allocation. You are continuing to see institutions who don't have international exposure, taking some money out of US REITs and putting them into non-US strategies. So non-US REIT strategies continue to gain share from US only, and that's a trend that's in place. Frankly, we have started to see an increase in enquiries about our views on, is the US REIT market looking cheap now and things like that. So I'm not sure where that's going to – how that's going to manifest itself, but we don't really see institutionally any concern about the viability of the strategy or the asset class. And as you've seen, we've been – the flows to US REIT strategies, both industry-wide and for us in particular, have under the circumstances been quite muted. I'd add, what you don't see at the aggregate level is the fact that we have a five or six US clients who are disciplined asset allocators add to their accounts over the quarter as REITs went down.
Cynthia Mayer – Merrill Lynch
Bob Steers
Correct, yes.
Cynthia Mayer – Merrill Lynch
Okay. And just last question is, in the mutual fund space, it seems like the ETFs and index funds have held their own pretty well over the last few months. And I'm wondering what you think – whether you think they will continue to gain share and what would cause the pendulum to swing the other way?
Marty Cohen
I think it's not only for us, but for across the spectrum of the asset management industry that the trend is very clear, that if you consistently add alpha, you are going to get lots of assets. If you are not, you are going to be losing assets, and ETFs and passive strategies somewhere in between. So I think the small group of asset managers that consistently outperform in passive will continue to gain share at the expense of the rest of the industry.
Cynthia Mayer – Merrill Lynch
Okay, thank you.
Thank you. Our next question is coming from Mike Carrier with UBS. Please go ahead.
Mike Carrier – UBS
Matt, you mentioned the new distribution partner in Europe and, Marty, you kind of hinted at it. If you look at the institutional market both in the US and then outside the US, just trying to get a sense on when you look at the opportunity, where are you in terms of penetrating like all those accounts?
Marty Cohen
Is the question, how far this opportunity are we?
Mike Carrier – UBS
Yes. Right. In the US I guess it's easier to gauge because if you look at that top 100 or 200 pension plans, internationally it's a little bit more difficult. But just when you are looking at the size of the institutional market and those that are investing in real estate or value or the infrastructure funds you guys offer, just trying to figure out like you've been focused on distribution hiring more relationship managers and just when you look at the opportunity in that institutional market, like what percentage of the market are you talking to today versus the opportunity that's out there?
Marty Cohen
Sure. I would say that outside of the United States, institutions are about – where institutions in the US were in early '90s, which is to say there has been – outside of certain pockets like the Netherlands would have long been investing in real estate stocks. Most of Europe, the UK, and Asian institutions are at the extremely early stage of embracing securitization. And to the extent they have significant allocations to real estate, it tends to be in sort of the old fashioned bricks and mortar approach. And so I would answer your question by saying, we are very pleased with some of the institutional intermediary relationships that we are lining up. And they are both in Asia and in Europe and they are going to be very powerful, but they have been giving us access mainly to retail high net worth type investors. And I would say that the penetration of real estate security strategies with institutions outside the US has barely occurred. Does that answer your question?
Mike Carrier – UBS
Yes, thanks. Just a follow-up on the cash question. You mentioned kind of what your priorities are right now, but also mentioned that there is opportunities out there. You guys have been focused more on the income oriented types of products, whether it's the REITs, the preferreds, the value, the infrastructure, the utilities. I'm just trying to figure out is there anything else out there that, if you had a good opportunity, would fill a gap that you think that you have, or is it just more – if there's opportunity that come just across the board that you may consider?
Marty Cohen
I would say that what we are not looking for is to just buy something that is cheap or to add something simply because it doesn't cost that much. You've identified the types of related investment strategies that we have focused on, and our criteria is income oriented equity strategies that we think are and will be in strong demand. And if we can add similar strategies and extend our brand in this regard while still doing in a way where the team that's managing it is among if not the best-in-class, that those strategies are things we would consider.
Mike Carrier – UBS
Okay. And then, Matt, just one for you. Given the decline in the market in June and this is pretty much across all asset classes and all asset managers, just the average AUM levels going into the third quarter and the back half of the year are going to be in the low end. Anything on the expense side? You know, you kind of mentioned the compensation ratio and G&A going up, but anything else that you feel like you have a little bit more room to manage in the near-term?
Matt Stadler
We are constantly looking at controllable expenses. And obviously we are going to, as the second half starts to unfold, constantly revise and reassess requirements to expend money. That said, we don't want it to be at the detriment to growing the business. So there are opportunities and there are things, and the only way that we can deliver new distribution partners and get new institutional mandates is to be active and be visiting them. So it's a tough balance. I mean, I know the captions G&A and embedded in G&A are a lot of controllable and non-controllable expenses. I think the third quarter is going to see despite – I don't know necessarily that the fourth quarter would be – we are hoping that the fourth quarter would obviously be lower because there are certain things embedded in recruiting of some of the individuals that I mentioned that would not reoccur in the fourth quarter, obviously the rent will, but – you know, we are doing the best we can.
Mike Carrier – UBS
All right. Thanks guys.
Thank you. (Operator instructions) Our next question is coming from Erin Caddell from Hovde Capital. Please go ahead.
Erin Caddell – Hovde Capital
Hi. Erin Caddell, Hovde Capital. Can you hear me okay?
Marty Cohen
Very well.
Erin Caddell – Hovde Capital
Thank you for taking my question. I was just wondering if I could follow up on your earlier comments, just kind of about the overall market, and over the years you've talked about kind of the correlation between just kind of the overall health of the REIT sector, commercial real estate with employment. And I guess – do you have kind of an overall macro view of whether we are in a recession, heading into a recession, the depth of that, if it occurs, and then kind of how at least the fundamentals of the sectors in which you invest, be it office or apartments or I guess the different sectors, are kind of holding up in your view in terms of occupancy rates, renewal rates, all that kind of stuff?
Joe Harvey
Sure. This is Joe Harvey, let me take a crack at that. Clearly we are in a very uncertain and volatile environment. And I think the question about whether technically we are in recession or not really misses the point. It's becoming much more challenging economy and things are – considering that that's the most important driver for the real estate business, fundamentals have been decelerating. And I think there are certain property types where they could turn negative for a while. Now the stocks started turning down at the beginning of last year. So the market has been anticipating this. And just to give you a sense on a global basis, the market is trading at about a 25% discount to what we think the underlying real estate is worth. But in terms of our view, we see the global economy slowing. One of the factors with inflation around the world is it has stopped central banks from being able to ease. The good news about the US is that we've already eased a lot. That said, I think the economy is going to be tougher for probably a longer period of time. The part of the equation just as it relates to fundamentals and real estate values is the credit markets. We've also been in an extremely difficulty, probably one of the worst credit crisis ever. I guess it's our view that we are working through it. Maybe we are two-thirds of the way through that process. And there is going to be a point in time over the next, say, six months where the strongest banks will know what their situations are and they are going to want to start lending again. That capital is going to go to some of the best positioned real estate companies out there, the companies we call the realty majors. And so our portfolios are positioned – highly concentrated in those with the strongest balance sheets, which is both a defensive position and an offensive position, because once we work further through this, there are going to be some pretty good acquisition opportunities for the companies that we invest in. And that will help rejuvenate the cycle in terms of the companies beginning to gain market share once again.
Erin Caddell – Hovde Capital
Okay, that's very helpful. Appreciate it.
Thank you. At this time, I'd like to turn the floor back over to management for any further remarks.
Marty Cohen
Well, once again thank you for joining us today and we look forward to reporting to you and hearing your questions in our next quarterly conference call.
This concludes today's Cohen & Steers conference call. You may now disconnect and have a good day.
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text:
(AP) Associated Press Writer
By JOHN DUERDEN
GOYANG, South Korea (AP) -Former world champions Pang Qing and Tong Jian have another title to add to their collection.
Pang and Tong rallied to beat fellow Chinese Zhang Dan and Zhang Hao and take the pairs title Thursday at Four Continents. It's the third time the 2006 world champions have won Four Continents, and gives them a boost going into next month's worlds.
Pang and Tong finished with 187.33 points, while Zhang and Zhang - no relation - scored 181.84.
"We are very satisfied with our performance," Tong said. "We made two mistakes, but we are improving all the time and hope to keep doing so for the world championships next month. This stands us in good stead for that."
Also Thursday, Japan's Mao Asada edged teammate Miki Ando in the women's short program while Tessa Virtue and Scott Moir of Canada solidified their lead in the ice dance competition.
The free dance is Friday. The women's final is Saturday.
The Chinese pairs are two of the best in the world, and they didn't disappoint in Goyang, a new city on the outskirts of Seoul. Zhang and Zhang, the Olympic silver medalists, led after the short program.
But Pang and Tong rebounded with a smooth free skate that was good enough to take the gold. They beat Zhang and Zhang by more than eight points in the free skate.
Zhang Hao had gotten a new pair of skates only two weeks earlier, and said after the short program he was still getting used to them. But his skates weren't as big a problem Thursday as mistakes on two of their jumps.
"We made several mistakes," Zhang Dan said. "After this competition we will work on that to get it fixed for the worlds."
Rena Inoue and John Baldwin, skating in only their second competition since last year's world championships, struggled and dropped to fourth. Fellow Americans Brooke Castile and Ben Okolski were third.
"It was a mediocre skate but we are pleased to be third," said Castile, who was sidelined by injuries during the Grand Prix season.
Asada was second to Ando at last year's world championships, but she's been the far better of the two this season. While Ando failed to even qualify for the Grand Prix final in December, Asada won the silver medal there behind South Korea's Kim Yu-na. Kim skipped Four Continents to rest a hip injury.
And on Thursday, Asada was better again. But not by much. Her score of 60.94 gives her a slim lead over Ando (60.07) and Joannie Rochette of Canada (60.04).
"It is good to end in first place but there is still a long way to go," Asada said. "Japanese skating is strong these days because there is so many of us competing together. We are all rivals and pushing each other and helping each other."
Earlier in the afternoon, Virtue and Moir extended their lead over their American training partners, Meryl Davis and Charlie White, with a solid showing in the original dance. The Canadians have a total score of 103.24, almost four points ahead of Davis and White.
Kimberly Navarro and Brent Bommentre of the United States are in third with 91.03.
The Associated Press


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DuPar, Edwin
From Library of Congress Name Authority File
DuPar, Edwin
- [Edwin DuPar (1885-1961) was an American cinematographer.]
Instance Of
Scheme Membership(s)
Collection Membership(s)
Fuller Name
- DuPar, E. B. (Edwin B.)
- Du Par, Edwin
- Par, Edwin du
- DuPar, Ed
- DuPar, Eddie
Additional Information
Birth Date
- 18851124
Death Date
- 19610604
Birth Place
- Lexington, Neb.
Death Place
- Hollywood, Los Angeles, Calif.
- male
Associated Language
- (itoamc) Cinematographer
Exact Matching Concepts from Other Schemes
- found: 77 Sunset Strip. Downbeat [MP] 1959: credits (director of photography, Edwin DuPar)
- found: At the races [MP] 1934: credits (photography by E.B. DuPar)
- found: The voice of the turtle [MP] 1947: credits (special effects by Edwin du Par, A.S.C.)
- found: Screen directors playhouse. Silent partner [MP] 1955: credits (director of photography, Ed DuPar, A.S.C.)
- found: Internet movie database, via WWW, July 25, 2012 (Edwin B. DuPar; Edwin Balch DuPar; E.B. Du Par; Edwin B. Du Par; Edwin Du Par; Ed Du Par; E. B. DuPar; E.B. DuPar; Ed B. DuPar; Eddie DuPar; Edwin A. DuPar; Edwin DuPar; Ed DuPar; E. B. Dupar; E.B. Dupar; Edwin Dupar; Ed Dupar; E.B.DuPar; E.B.Dupar; b. Nov. 24, 1885 in Plum Creek, Neb.; d. June 4, 1961 in Hollywood, Calif.; cinematographer)
General Notes
[Edwin DuPar (1885-1961) was an American cinematographer.]
Change Notes
- 1989-08-31: new
- 2012-08-02: revised
Alternate Formats


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The Cisco 4-Port Serial SPA delivers flexible, high-performance WAN connectivity for enterprise and service provider networks. It provides four synchronous serial ports, each capable of speeds up to 8 Mbps.
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Morty Feeb and Captain Zeto [1] are a pair of aliens from Pluto tasked with discovering the weaknesses of Earthlings in preparation of an invasion of Earth.
During a reconnaissance mission to Earth, Morty and the Captain arrived in New York City just outside the Firehouse. They mistook Slimer for a standard Earthling and kidnapped him. Slimer was taken to Pluto to serve in a series of tests he thought were just games. Slimer enjoyed each test causing the Captain to overload all the testing equipment. Eventually, their compound was destroyed and they dumped Slimer back in New York City.
- ↑ Morty Feeb and Captain Zeto (2009). Slimer!- "Unidentified Sliming Object" (1989) (DVD ts. 16:42-16:45, 16:48, 18:10, 20:12). Time Life Entertainment.


text: Magazine Rules/Regs | Published in November 2016 The New Overtime Rule Getting to the crux of a complex matter By Rebecca Moore | November 2016 Art by JooHee Yoon This past spring, the Department of Labor (DOL) issued a final rule, which will take effect on December 1, updating overtime regulations under the Fair Labor Standards Act (FLSA). The FLSA establishes minimum-wage, overtime-pay, recordkeeping and youth-employment standards covering employees in the private sector and in federal, state and local governments. Generally, employees of enterprises that have an annual gross volume of $500,000 or more in sales made or business done are covered by the FLSA. In addition, employees of certain entities are covered by it regardless of the amount of gross volume of sales or business done. These entities include: hospitals; businesses providing medical or nursing care for residents; schools—whether operated as for-profit or not-for-profit; and public agencies. The most recent rule modifies salary level thresholds for employees of these businesses who are not classified as exempt from overtime pay due to their performance of certain duties. Although overtime eligibility has generally been considered in the realm of hourly, lower-paid jobs, that perspective should be revisited in light of the new rule. The "standard" salary ceiling for employees eligible to receive overtime pay will increase to $913 per week—equivalent to $47,476 annually for a full-year worker—up from $455 per week ($23,660 annually), per a DOL document answering frequently asked questions (FAQ) about the rule. The total annual compensation requirement for highly compensated employees to be exempt from overtime pay will increase to $134,004 per year, up from $100,000 per year. These levels will update automatically every three years, beginning on January 1, 2020, to maintain the earnings percentiles set in the final rule.The DOL estimates that, as a result of the new rule, absent employer action, 4.2 million white-collar workers will become newly entitled to overtime protection because of the increase in the salary level. Or, as a result of employer action, many of these workers will be able to work fewer hours; will receive additional compensation when they work overtime; or will receive a salary increase to remain exempt.Further, the final rule clarifies overtime requirements for 8.9 million currently overtime-eligible salaried em-ployees, 5.7 million salaried white-collar employees, and 3.2 million salaried blue-collar employees because their pay will fall below the new threshold, and no assessment of their duties, which can result in misclassification, will be necessary. An estimated 732,000 white-collar, salaried workers making between $455 and $913 per week do not meet the duties test and are already overtime-eligible, but their employers do not recognize them as such.The DOL estimates that average annualized direct employer costs will total approximately $295 million per year over the first 10 years, including regulatory familiarization costs, adjustment costs and managerial costs. But the overtime rules will not only increase employers' compensation costs.Effects on Retirement PlansSteven Friedman, shareholder at Littler Mendelson in New York City, notes that the new overtime rule will have an effect on retirement plan sponsors that provide match contributions on employee deferrals or other employer contributions based on employee compensation levels.According to Joe DeSilva, senior vice president/general manager of ADP Retirement Services in Florham Park, New Jersey, the additional cost for plan sponsors depends on what the plan document defines as compensation. "Plan sponsors have the opportunity to select whether to include overtime compensation," he says. "In our book of business, the vast majority do. I think the additional cost will be somewhat sizeable.""It would appear from first blush that it would help plan sponsors with nondiscrimination testing rather than hurt them"—that is, if the non-highly compensated employees are deferring more compensation because they receive more pay, Friedman says.However, it could go either way, says DeSilva. "More deferrals from the non-highly compensated could help plan sponsors pass the testing, but more deferrals from highly compensated employees could cause them to fail."What Plan Sponsors Can DoRegarding the DOL's qualification that, "absent any employer action, around 4.2 million white-collar workers could now receive overtime protection," to what "employer action" does the DOL refer? Employers that do not want to pay current exempt employees at the new salary threshold may, in order to keep exempting them from the rule, consider reclassifying them as nonexempt. Employees could also maintain exemption status if they are paid, on a salary basis, an amount meeting the new threshold and they continue to perform job duties that qualify for an executive, administrative or professional (EAP) exemption as defined under the regulations. In addition, according to ADP, employers may weigh the costs involved in raising employees' salaries to meet the exemption criteria against the cost to reclassify them as nonexempt and pay them overtime when they work more than 40 hours per week.Friedman says he would not be surprised to see employers creating more part-time positions so they can avoid characterizing individuals as full-timers subject to new rules. He warns that this could violate Employee Retirement Security Act (ERISA) Section 510 against interference of benefits. Taking such action could subject employers to lawsuits, just as it did when employers reduced employee hours to avoid being subject to the employer mandate of the Patient Protection and Affordable Care Act (ACA). His firm is advising clients considering restructuring to act with caution. Get the appropriate legal advice. "Restructuring is not only employment-related but benefits-related," Friedman stresses.DeSilva notes that plan sponsors may rethink the definition of "compensation" in their plan documents to exclude overtime pay. Such decisions could potentially lead to plan amendments.Assuming they do give overtime pay, plan sponsors may continue to match employee deferrals at their current match rate, or they may reduce their match rate to cut costs. "However, in the spirit of thinking about this holistically, they have to think that pulling back on [their] match would make them less attractive as an employer and upset participants," DeSilva says. ARE NONPROFITS AFFECTED BY THE OVERTIME RULES?In guidance issued for nonprofits, the Department of Labor (DOL) notes that in order to be subject to minimum wage and overtime requirements, and to qualify for protections from the Fair Labor Standards Act (FLSA), employees must be "covered" by the FLSA. That coverage is usually achieved in one of two ways: The organization is a covered enterprise or a particular worker is individually covered. While many nonprofit organizations may not be covered enterprises, most nonprofits will likely have some employees who are covered and therefore entitled to the minimum wage and overtime protections the act guarantees, the DOL says. Establishing that a white-collar employee is exempt from the FLSA's minimum wage and overtime requirements involves assessing how that person is paid (the DOL's salary basis test), how much he earns (the salary level test), and whether he primarily performs the kind of job duties Congress meant to exclude from the law's overtime protections (the duties test). Job titles never determine exempt status under the FLSA. Also, receiving a particular salary, alone, does not indicate that an employee is exempt from overtime and minimum wage protections. However, to meet the enterprise coverage test—meaning that all employees working for that enterprise are covered by the FLSA's protections unless an exemption applies—an entity must have annual revenues of at least $500,000. —RM Tagged: FMLA, Workplace, 403b related articles related research most e-mailed Rules/RegsThe New Overtime Rule From plansponsor.com More Firms Outsource Benefits FunctionsProposed FMLA Changes Would Expand Spouse DefinitionEmployer E-mail Could Show FMLA BiasTASC Acquires HFS BenefitsMetLife Launches Family and Medical Leave Support Tool Employer Can't Get Back Medical Expenses for Employee not on FMLA Leave Rules/RegsThe New Overtime Rule From plansponsor.com 2017 Recordkeeping Survey2017 Defined Benefit Administration Survey2016 PLANSPONSOR DC Survey: Plan Benchmarking2016 Defined Contribution Survey2016 Third–Party Administrator Buyer's Guide2016 PLANSPONSOR Stock Plan Administration Buyer's Guide Rules/RegsThe New Overtime Rule From plansponsor.com A Look at Proposals to Shore Up Social SecurityMany Employees Would Choose Student Loan Assistance Over 401kERISA Suit Challenging Voya Stable Value Funds RejectedLongevity Annuities Can Improve DC Plan Participant Retirement WealthEmployers Must Assess HSA Fiduciary Exposure


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Definition Edit
The filtration test is one step in determining copyright infringement under the so-called Altai test.
|This process entails examining the structural components [of a computer program ] at each level of abstraction to determine whether their particular inclusion at that level was 'idea' or was dictated by considerations of efficiency, so as to be necessarily incidental to that idea; required by factors external to the program itself; or taken from the public domain and hence is nonprotectable expression. . . . The structure of any given program may reflect some, all, or none of these considerations. Each case requires its own fact specific investigation.[1]
References Edit
- ↑ Computer Assocs. Int'l, Inc. v. Altai, Inc., 982 F.2d 693, 707 (2d Cir. 1992)(full-text).


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New England Patriots offensive coordinator Josh McDaniels confirmed he interviewed with the Browns for their head-coaching vacancy this past weekend.
"We met and that's about all there is at this point," McDaniels said today during a conference call with reporters who cover the Patriots. "Nothing, nothing further."
McDaniels, 37, didn't want to elaborate on his meeting with the Browns. He cited his desire to focus on the Patriots' upcoming playoff game Saturday night against the Indianapolis Colts.
"I appreciate the question, and I understand it," said McDaniels, a Canton native. "I know that's something that comes up each time this year for other coaches. The opportunities are certainly flattering if they come up. That being said, I am going to try to keep my focus on the Colts and our preparation this week. Like I've said in the past, I'm fortunate to have the job I have, and I love being here. I love doing what I'm doing. Each opportunity that comes along is a little different and I'm going to leave it at that and continue to put my effort and attention into the Colts this week."
NFL rules prohibit teams from offering jobs to assistant coaches in the playoffs until their teams are finished with the postseason. The two sides are not allowed to strike any agreements until then.
McDaniels is one of three candidates known to have interviewed with the Browns since they fired coach Rob Chudzinski Dec. 29 after just one season on the job. Owner Jimmy Haslam and CEO Joe Banner also interviewed Seattle Seahawks defensive coordinator Dan Quinn, 43, and Arizona Cardinals defensive coordinator Todd Bowles, 50, last week, according to several national reports.
The Browns requested permission to interview Denver Broncos offensive coordinator Adam Gase, 35. But he told reporters he would postpone all interview opportunities until the Broncos are done with the postseason. They'll face the San Diego Chargers on Sunday.
Vanderbilt University's James Franklin, 41, and Auburn University's Gus Malzahn, 48, are on the Browns' radar, Jason La Canfora of CBS Sports reported. Franklin is finished with his season. He led Vanderbilt to a 41-24 win over the University of Houston on Saturday in the BBVA Compass Bowl. Malzahn and Southeastern Conference champion Auburn will face Florida State in the BCS Championship Game tonight.
A league source, speaking on condition of anonymity because of the sensitive nature of the situation, confirmed today that the Browns won't interview longtime University of Oklahoma coach and Youngstown native Bob Stoops for their head-coaching vacancy.
This past weekend, NFL Network's Ian Rapoport labeled Stoops a leading candidate for the job and stated he was expected to interview with the Browns this week. On Thursday, former NFL personnel man Tony Softli wrote on Twitter that Stoops, "may have the inside track on the Cleveland Browns opening."
Stoops, 53, didn't silence the rumors last week after he led Oklahoma to a 45-31 victory over Alabama in the Sugar Bowl. Asked by Sooners reporters about the rumblings he could become the next coach of the Browns, Stoops said, "You never know."


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