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WHITEPAPER. How to Credit Score with Predictive Analytics
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1 WHITEPAPER How to Credit Score with Predictive Analytics
2 Managing Credit Risk Credit scoring and automated rule-based decisioning are the most important tools used by financial services and credit lending organizations for credit lifecycle management. They are commonly used in consumer lending for products such as credit cards, personal unsecured loans, lines of credit and residential mortgages. The benefits of using credit scoring tools, techniques and methodologies include: More objective frameworks for credit risk evaluation while eliminating biases Lower transaction costs and time lags associated with decisions to extend credit to consumers and businesses Improved optimization of individual credit decisions and overall portfolio performance More accurate analysis, assessment and benchmarking of credit portfolios over time External or generic credit scores and scorecards built using traditional statistical methods have commonly been used to improve the management of consumer lending portfolios. The challenges associated with successfully deploying and using these non-proprietary credit scoring and decisioning systems include: High cost and time associated with developing and maintaining a robust credit scoring and adjudication system Limitations on the ability of credit scoring systems to identify individual, differentiated lending decisions with a high degree of precision and confidence Best practices in the financial services industry for consumer lending, notably in the areas of credit card and personal unsecured financial products, have moved toward the use of proprietary credit scores and strategies created using data mining and predictive analytics. These allow financial services organizations to augment and extend generic scores and scorecard based systems in order to make more differentiated decisions at the individual borrower level. Predictive analytics capabilities and the ability to act upon their insights and best actions throughout the credit decisioning lifecycle is recognized as a strategic competitive advantage resulting in improved profitability and market share growth particular for customer acquisition and retention strategies. Risk Management The increased usage of data mining and predictive analytics capabilities as an integral component of credit lifecycle management is driven by market and regulatory forces. Market drivers include, among others, industry consolidation among traditional retail banking and consumer lending businesses. Regulatory drivers include increased scrutiny of the credit granting process with the advent of the Basel Accords and other reforms in market regulations. Financial services lenders are mandated to establish greater transparency, while assuming higher levels of accountability for their increased reliance on automated credit decisioning systems to address risk in retail portfolios. 2
3 At the same time, lending organizations are challenged to produce continuous improvements in their automated credit origination systems that maximize profitability while mitigating credit losses and minimizing operational cost. In accordance with the Basel Accords, credit risk management has been extended through the entire lifecycle of financial products. Acceptance or rejection of applications is now only the beginning of a series of decisions to be evaluated, assessed and applied to each new account. For instance, to reduce selection biases in credit applications decisions and ensure the relevance of scorecards to the total applicant population, reject inference methods are used to infer the behavior of rejected applicants. After new customers are accepted, a series of additional models are applied to new accounts such as behavioral, retention or delinquency models. Data mining and predictive modeling improves your ability to proactively manage and optimize risk and reward alternatives. Each stage of the customer credit lifecycle can be assessed and optimized by incorporating analytics directly into your strategies: Acquisition and Retention Accept or reject candidates for financial products or credit related services Pre-qualify marketing campaigns on a product to avoid targeting prospects that would decline the offer Optimize interest rate/premium value/credit amount i.e. requesting a higher deposit for a mortgage or charging higher interest rate on a loan Decide on down payments Apply customer retention strategies only to low risk customers (segment strategies) Account Management Decline/accept line increases Allow customers to go over credit limits or past due dates Decide to reissue credit cards Offer better pricing Collections Improve collections and recovery strategies Separate the good bads from the bad bads so that collections resources can be appropriately focused at the appropriate stages Direct delinquent accounts to best collection strategy: mailing, call center, legal, doorstep Optimize predictive dialer lists Suggest the next best action for an account with real-time integrated models 3
4 Proprietary Scorecards Credit risk scorecards remain the most common framework used for credit risk lifecycle decisioning due to their simplicity and pragmatic approach. Use of external providers to create scorecards remains popular because scorecard development can be a long, tedious process. Often only a few resources within the organization s risk team are capable of performing this type of advanced analysis. Moreover, once a scorecard has been developed, risk managers have to consume the results and apply the relevant key performance indicators (such as marketing and financial policies) in order to define strategies and develop a set of recommended actions to be deployed. The need for more complex risk assessments at each phase of the credit lifecycle, and for a broader range of available financial products, has made it necessary and more effective for organizations to develop and deploy their own proprietary risk scorecard capabilities with the use of predictive modeling. Risk scorecards are the standard approach to assess, monitor and communicate risk levels within organizations. The capabilities of scorecards are almost uniformly based on simple logistic regression models. However, the key attribute of a scorecard is how the model results are delivered. A customer score is a sum of points based on their individual profile. An individual can be assigned a score by determining the points related to their characteristics and by summing the values obtained across the characteristics contained in the scorecard: Figure 1: An example of a scorecard developed in Angoss KnowledgeSTUDIO In the example in figure 1, having an Average Monthly Balance below $50 adds 177 points; owning a home (Residential Status= Own Home ) adds 87 points; and living in a region coded Nine adds 85 points to the individual s overall score. 4
5 This scorecard format, where each individual characteristic is mapped into a set of points, offers a number of key advantages including: Ease of interpretation and monitoring by decision makers who may not have knowledge of statistics Clear explanations for low scores to easily explain and communicate with decision stakeholders Risk scorecards can be combined with other information such as profitability and expected approval rate, and they can be integrated into a comprehensive scorecard used to define business strategies that will maximize revenue and mitigate bad debt. KnowledgeSTUDIO KnowledgeSTUDIO provides analysts with the ability to create high quality, proprietary credit scorecards as a seamless step in the analytics workflow. KnowledgeSTUDIO aids in each stage from data profiling and segmentation to predictive modeling and scorecard building, through to strategy design, execution and portfolio analysis and reporting. KnowledgeSTUDIO puts the power of scorecard creation in the hands of internal staff to create predictive scorecards that span the entire risk management lifecycle from acquisition through to collections. The scorecard tool in KnowledgeSTUDIO automates every step of the scorecard development and deployment process to provide: Comprehensive data profiling and partitioning Optimal binning using Weight of Evidence for coarse classing of variables Logistic regression models Reject Inference techniques for credit application scoring Model analysis and validation tools Scorecard scaling SAS and SQL code generation Direct deployment capabilities The scorecard tool employs a recognized scorecard workflow approach to develop and deploy credit risk scorecards. Figure 2: Coarse classing of variables using Optimal Binning and Weight of Evidence 5
6 KnowledgeSTUDIO allows you to develop and deploy credit risk scorecards based on the following processes: Data exploration and segmentation Correlation matrix to eliminate variables that should not be included Data partitioning into training and validation sets Variable analysis to assess predictive power and perform coarse-classing using Weight of Evidence Multivariate analysis and modeling build stepwise logistic regression models Modeling with Reject Inference techniques to infer the behavior of rejected applicants Model validation evaluate model performance and choose the best model Model scaling scale model probabilities into desired scorecard, and determine baseline and the scorecard factor Produce management reports on final scorecard Scorecard deployment translates scorecard models into code to be deployed into enterprise data warehouse and operational systems Figure 3: Modelling and validation stage logistic regression output in KnowledgeSTUDIO Conclusions KnowledgeSTUDIO helps financial services and credit lending organizations better assess, manage and monitor credit risk throughout the credit risk lifecycle by providing a comprehensive platform to develop and monitor credit risk models, scores and strategies and deploy them as proprietary scorecards to support improved credit risk decisioning. KnowledgeSTUDIO users experience accelerated credit scoring processes, improved automation and monitoring of results, and benefit from its intuitive user interface and visualization making predictive analytics accessible and easy to use for statistician and credit risk analysts. 6
7 About Angoss Software As a global leader in predictive analytics, Angoss helps businesses increase sales and profitability, and reduce risk. Angoss helps businesses discover valuable insight and intelligence from their data while providing clear and detailed recommendations on the best and most profitable opportunities to pursue to improve sales, marketing and risk performance. Our suite of desktop, client-server and big data analytics software products and Cloud solutions make predictive analytics accessible and easy to use for technical and business users. Many of the world's leading organizations, including 9 of the top 15 global banks, use Angoss software products and solutions to grow revenue, increase sales productivity and improve marketing effectiveness while reducing risk and cost. Corporate Headquarters 111 George Street, Suite 200 Toronto, Ontario M5A 2N4 Canada Tel: Fax: European Headquarters Surrey Technology Centre 40 Occam Road The Surrey Research Park Guildford, Surrey GU2 7YG Tel: +44 (0) Copyright Angoss Software Corporation 7
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Very unfriendly staff, scary and dirty facilities I wouldnt recommend this place
Nothing Everything. The rooms looked dirty, there were bugs everywhere, towels had holes and were very thin.... the lighting was dim and the temp control looked like it was falling apart. The only reason we stayed was because we were extremely tired.
The man working at the front desk was very friendly and helpful. Poor location, lots of road/outside noise
Room had blood on door jam, pool was closed, internet didn't work.
Cheap, room was clean, refrigerator/microwave Incredibly unfriendly staff who answered the bell/door in pajamas and made me feel like I didn't belong. Towels were skimpy -- slightly larger than hand towels. A few outlets didn't work.
Cerca de la ciudad Las puertas eran difíciles de cerrar. Tuvimos que golpearlas para cerrar. Molesto por la mañana o por la tarde
Nada me gusto, al verlo en internet pense que era otra cosa, pero estaba sucio, mal olor, me parecio muy incomodo por la falta de limpieza. Solo estaria una noche y pase una mala noche.

subset: commoncrawl


text:
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text:
Skip to comments.Olmert to PA: Release Shalit and we'll free many Palestinians (OR: PLEASE KIDNAP MORE SOLDIERS)
Posted on 11/27/2006 11:27:05 AM PST by Cinnamon Girl
Prime Minister Ehud Olmert said Monday that the release of Israel Defense Forces soldier Gilad Shalit, held since June by Gaza militants, would lead to the release of Palestinian prisoners in Israeli jails.
"With Gilad Shalit's release and his return safe and sound to his family, the Israeli government will be willing to release many Palestinian prisoners, even those who have been sentenced to lengthy terms," Olmert said.
The prime minister, speaking at the grave of Israel's first premier, David Ben-Gurion, in Sde Boker, said that he was extending his hand in peace to the Palestinians, and that he hoped his offer would not remain unanswered. (Click here for Olmert's full speech) "I hold out my hand in peace to our Palestinian neighbors in the hope that it won't be returned empty," Olmert said.
"We cannot change the past and we will not be able to bring back the victims on both sides of the borders," he said. "All that we can do today is stop additional tragedies."
He called on the Palestinians to renounce violence and give up the insistence on the refugees' right of return to territory within Israel's borders, which has long been a major sticking point in peace negotiations.
"You, the Palestinian people, in the south and east, in the Gaza Strip and Judea and Samaria, stand, these very days, on the threshold of an historic crossroads," he said.
If the Palestinians did decide to choose peace talks, Olmert promised, Israel would quit large swathes of the West Bank, ease checkpoints and release frozen funds to Palestinians.
"We will agree to leave large territories and dismantle settlements that we established," he said. "We will be willing to do this in exchange for real peace."
(Excerpt) Read more at haaretz.com ...
Actually in the latest poll Likud was in the lead with Kadima losing lots of their seats in second place. However, in the Knesset Labout/Kadima still holds the majority and so Olmert can continue with his wrecking policy for another couple of years.
BTW wonder what Lieberman, who just joined the coalition, says about olmerts speech and his promises to the terrorists?
The present Israeli policy is absolutely insane.
Just once, why can't the bad guys capture GENE Shalit??
Olmert is a wussy at best description - you do not put violent criminals back on the street - you eliminate them via high speed lead poisoning or through a hemp gravity test.
I agree about the complacency.
Here is a post I found at LGF. Note Olmerts popularity figures (!!):
Clio 11/27/2006 08:28AM PST
To MGlazer (No. 17)
The clumsy and dysfunctional electoral system in Israel makes it hard to get rid of a rotten government. Olmert seems to be able to buy enough votes in the 120-seat Knesset to stave off a vote of No Confidence, that would require 61 votes.
I doubt he wants to go into an election at a time when his popularity rating with the public is 9%. (That is not a typo. It really is a single-digit rating.)
The best chance of getting him out is through one of the numerous charges against him of serial corruptions. That depends on whether the Leftist Attorney General Mazuz is willing to indict him for at least one of his crooked deals or bribe-taking.
But even if Olmert has to resign, that will not necessarily bring down the government of the Kadamite Party. The premiership might just go to the party No. 2, Foreign Minister Tzippi Livni who is an incompetent diddling moron.
The other evening I was talking to some friends who started to daydream about which past leader they wish we had back. Some said Golda Meir. Some said Menahem Begin.
I said: "If you are going to daydream, do it big. The one we need now is King David."
Good night, nurse! Olmerde must be wearing the world's biggest "kick me" sign! I think he' surpassing Chamberlain and Daladier. How he got elected is beyond me. The wolves are howling and peeking over the fence drooling, and he's just sitting on the porch whittling and whistling.
November 26, 2006
Today was Israels Munich.
by Jerry Gordon
Today was Israels Munich. Remember the date: November 25, 2006. The news wire headlines blared; Israel accepts Palestinian groups offer of ceasefire. Israel was sacrificed by its own leaders under pressure from a beleagured Bush Administration in Washington. A Bush Administration anxious to bring about any shred of progress in the war torn Middle East with bloody gory civil war in sectarian strife torn Iraq and another murderous civil war about to erupt in Lebanon following the assassination of young Maronite Christian leader, Pierre Gemayel.
Bush is pre-occupied with an Amman, Jordan meeting with Iraqs shia PM al Maliki trying desperately to bolster a derelict government careening out of control unable to provide its citizens with day to day security. The green zone in Baghdad and even its international airport arent safe for this discussion. After all, didnt Dr. Rice circle the same airport last month for an hour until she was assured of security to meet with al Maliki and what passes for the Iraqi government?
This grand agreement reported in the Jerusalem Post and the AP and accepted by PM Olmert is out and out taqqiyah-Islamic religiously condoned disimilitude. A hudna to trick the infidels. Probably wont last the Koranic 10 years. A nanosecond is more like it. And the fact that this comes from faltering Abbas is a total farce. Here we have Israel and the U.S. supplying the guns and ammo for Fatah to foment the inside war with Hamas and , who else,? Why Israel of course. And those Hamastan Qassem terror weapons? Theyll keep falling on poor beseiged Sderot-you watch.
Worse yet, Hamas Military wing leader Mashaal in Damascus puts in his two cents, too. Must be the result of his Baathist keepers under young reckless Bashir Assad trying to impress, Israels best friend Bush family consigliere, Jim Baker, III and his Bi-partisan Commission. After all dont they believe that peace in the Middle East lies in solving the insoluble Palestinian Israel conflict? The fools. They dont realize there is no conflict. Its just Islamists out to kill Christians and Jews to cleanse the region. Its not about the land. After all they consider it dar el Islam taken away from them by al Naqbah, dont they?
The 21st Century desert queen of diplomacy, Dr. Rice is revealed as an irrelevent naif now made into mush under the thumb of the Baker boys like her boss, W. We hope that shes spared the fate of her fabled 20th Century predecessor, British Colonial Office Arab expert who created artificial Iraq, Gertrude Bell-a purported suicide in 1926 for recognizing her failure aborning. It was Bell who opined that it would be the very devil if religious fanatic Shia governed her artificial creation. Prescient, wasnt she?
Israel is now effectively lost. Done in by the optimism of its citizens and by its traitorous government. This is same failed Israeli government that couldnt stop the rain of Qassem rockets from falling inside the green line killing its citizens. And as night follows day, the sequestered hundreds of millions of shekels of tax revenues will now be released by the Bank of Israel to the Hamas led government, you watch.
These are the bumblers in Jerusalem who gave us the botched min-war with Irans proxy Hezbollah in Lebanon of this summer, right? Where is the resolve of those IDF reservists spoiling for fight to vanquish Hezbolleh in Lebanon and Hamas in Gaza, while their families lanquished in unspeakable squalid bunkers? Squandered. They remind me a lot of the documentary movies of Czech reservists called up in the summer of 1938 to do battle with the Wehrmacht behind their moutain redoubts in Sudeutenland-suddenly taken away from them in Munich by appeasing Brits and French in order to secure a peace in our time with terpich fresser Herr Hitler and his Nazi killers resulting in the dismemberment and death of pre-WWII Czechoslovakia.
In Lebanon we have Hezbolleh posed currently to foment civil war with the faltering anti-Syria government in Beirut in the wake of Pierre Gemayels assassination this week. A civil war perhaps worse than the decade long war in the mid 1970s to 1980s. Doubtless the UNIFIL forces in southern Lebanon will skedaddle. After all theyre there only to shoot down IAF planes, arent they?
The U.S. is scrambling to salvage a bloody civil war in Iraq, if it can, with the aid of, who - Syria and its mafiosi killers along with Hezbolleh of Falangist Christian in Lebanon Pierre Gemayel and Iran-master puppeteer and Mad Mahdists out to wipe Jews off the map of the world.
We blew it when we let Shia Hezbolleh look alike Muktar al Sadr keep his guns and the Militia and become the swing vote in what passes for the Iraqi parliament. But then, the civil war was inevitable given the slaughter of the Shia after the first Gulf War. That leaves the Kurds. What of their quest for a free Kurdistan, eh?
One wonders cynically whether Saddam Hussein will be hung or brought back as a strong man, once again, to keep the artificial country from spinning out of control completely, if it already hasnt done that. After all the realistic Baker boys will probably recommend that, too, as they did in 1991, as I recall. Remember their favorite expression: better the wolf of the south versus the wolf of the north. This time the new Democratic Congress will be the amen choir in the corner uttering the mantra: cut and run, cut and run. Once more the Kurds will be sacrificed.
I see nothing but chaos and the advance of the black flag of Jihad, Shia supremacy and internicine Muslim wars across the Middle East along with the ultimate denoument of the suicide of Israel.
Today was Israels Munich with its acceptance of this Hudna.
What was Churchills comment after the first Munich when another country was dismembered-pre-WWII Czechoslovakia: we have shame, now will come war.
Do you know what the source of that 9% approval rating is?
Think about this, a leader watches his people suffer under thousands of rockets being hurled at them and then offers the launchers extra soil where they can do so again.
Sure, that will do it. Why wasn't this thought about before? It surely would have worked then.
Wouldn't it have? (sarc)
No, but I've seen one recent poll that gave Kadiam about 12%, so given that Kadima possibly is slightly more popular than Olmert (Olmert popular , what an oxymoron!) the 9% figure does not seem totally unlikely.
What happened? In the generation around WWII people experienced evil first hand, and knew it existed whether they were religious or not. Now, only the religious, for the most part, know there is good and evil in the world and recognize that fighting evil requires sacrifices.
Likud First, Kadima Second in Israel
November 17, 2006
- Likud is now the most popular party in Israel, according to a poll by Teleseker published in Maariv. The results suggest Likud, led by former prime minister Benjamin Netanyahu, would win 29 seats in the next election to the Knesset.
The governing Kadima party of prime minister Ehud Olmert would finish second with 16 mandates, followed by the Labour party of Amir Peretz with 15 mandates, and Israel Our Home under Avigdor Lieberman with 14 seats.
In March, Israeli voters renewed the Knesset. Kadima, founded by former prime minister Ariel Sharon and led by Olmert, secured 29 seats. Labour, the Retired Peoples Party (Gil) and the International Organization of Torah-observant Sephardic Jews (Shas) joined Kadima in a coalition. Last month, the Israeli cabinet approved the addition of Israel Our Home to the government. Olmerts coalition now has the support of 78 of the Knessets 120 members.
On Oct. 18, at the Knessets opening session, Netanyahu criticized the current administration, saying, "Three months ago, we received our wake-up call with the outbreak of war in Lebanon and the massive rocket fire. Did anyone learn the lessons from the Lebanon war? The answer, I am afraid to say, is no. ( ) Today we understand the thing my comrades and I were talking about, that Iran is a real threat to our existence, and that its allies in the south of Israel and in the north of Israel are a threat to our cities and communities."
Netanyahu served as prime minister from June 1996 to July 1999, and resigned from Ariel Sharons cabinetwhere he held the finance portfolioafter opposing the "Disengagement Plan."
FRmail me to be added or removed from this Judaic/pro-Israel/Russian Jewry ping list.
Warning! This is a high-volume ping list.
What an idiot he is. What is up with Israel. This guy should be run out on a rail. Where is M. Begin when you need him!
OH SHUT UP Olmhet how about pressuring PLO to release IDF soldier I think dude is in Iran already or SYRIA
High Volume. Articles on Israel can also be found by clicking on the Topic or Keyword Israel. or WOT [War on Terror]
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


text:
web safety
On the Internet you can…
1. gmail
2. faceboook
3. video chat
4 . shopping
5. play games
and more!
What is personal information?
1. where you live
2. picture
3. phone number
Meeting up can be Dangerous
Not everyone is who they say they are online
Safety is Important
not every thing on the internet true
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PITTSBURGH The Bruins just keep on making statements about how good they can be.
The Bs went into a road against the Pittsburgh Penguins looking to measure themselves after taking 13 wins in 14 games, and they tossed down another dominant performance in a 3-1 victory over the Pens at CONSOL Energy Center.
The Bruins still trail the Penguins by a point in the Eastern Conference standings, but it was a large statement to the rest of the conference and league about the true Beast in the East.
The Bruins battled through the first two periods with a game Penguins unit, and the difference again in this game was their depth. Gregory Campbell opened up the scoring in the second period from a nice Daniel Paille feed from behind the net, and Rich Peverley set Benoit Pouliot up for a glove-side one-timer that handed Boston a two-goal lead.
Tyler Seguin added a one-timer on the power play for his team-leading 13th goal of the season in the opening two minutes of the third period to give Boston their necessary insurance tally. It was a team-wide victory, however, as the Bruins killed off a pair of 5-on-3 advantages for the Penguins and Tim Thomas was brilliant while making tough stops within his 26 saves for the evening.
Given good health and a high dose of confidence, there doesnt appear to be many weaknesses in the Bruins game right now. Matt Cooke managed a goal late midway through the third period, but that was it for Pittsburgh.


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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Tim Black <...@alwaysreformed.com>
|CouchAppSpora/Monocles development
|Fri, 14 Feb 2014 19:01:31 GMT
Does anyone know a reason why CouchAppSpora, now Monocles, development appears to have stopped? See https://github.com/maxogden/monocles/graphs/contributors. I'm guessing that privacy controls, and configuring filtered replication, were difficult to implement well. I notice that Hoodie is going to be working on these features next, and wonder how successful they are or will be. The reason I'm asking is that I have a potential client interested in making a social network site which could share user profile data with other social network sites, and thought Monocles on top of Backbone on top of Hoodie might be one way to make it. I'm recommending to the client to consider using a Facebook group first, or maybe Diaspora or Friendica, or maybe Joomla with Community Builder or JomSocial. But if I had to write it myself, I might go with something like Monocles-Backbone-Hoodie. Tim
|View raw message


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Warm Vanilla Milk
Vanilla-flavored milk satisfies the midnight munchies.
- Servings: 4
Source: Martha Stewart Kids, Spring
- 4 cups milk
- 1/4 cup sugar
- 1 1/2 teaspoons pure vanilla extract
- Ground cinnamon, for serving
Bring milk and sugar to a simmer in a medium saucepan over medium heat, stirring until sugar is dissolved. Stir in vanilla. Divide among 4 mugs. Sprinkle cinnamon on top of each drink.


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Need some tips on the best steps to take to restore a bench plane? Whether it is rusty from disuse or as good as new, Paul shows what he does to get a plane working perfectly. He flattens the base and takes off the hard edges. Paul then prepares the frog to receive the iron assembly, which he corrects and sharpens. He also cleans up and tightens the handles before reassembling the plane ready for use.


text:
The ontological argument is the earliest and likely most famous (infamous?) argument for God's existence. It was originally formulated in the 11th century by Anselm of Canterbury (later Archbishop and still later Saint).
Like Leibniz, who we discussed before, Anselm was wicked smart. But he was much less concerned with developing a complete philosophy of the world. Rather, he was mainly interested in developing his love for God (and helping his students to do the same) through the exercise of his reason and intellect. He called this "faith seeking understanding."
In fact, maybe the coolest aspect of the ontological argument is that it appears in the middle of the Proslogion, which Anselm wrote as a prayer.
The term 'ontological' was of course not used by Anselm himself, but was applied to it much later. In philosophical discourse, 'ontology' means basically the study of being as such (the root onto- means 'being'). To explain this, I'll borrow an illustration from one of my professors: A biologist's studies might at some point take him to a volcanic area to study some form of life that thrives in that environment. But the biologist does not study the volcano itself. This, rather, is the field of the volcanologist. The biologist studies the volcano for the organisms that live on it. The volcanologist studies the volcano insofar as it is a volcano.
Similarly, ontology is the study of 'being qua being,' or being insofar as it is being. This name has been applied to various arguments for God's existence, beginning with Anselm's, because these arguments all establish God's (necessary) existence from His very being, or the very concept of God itself. In essence (and far too simply), because we have a concept of God, He must actually exist.
Think I've pulled one over on you? Read on.
The argument:
The argument:
(1) God is that than which nothing greater can be conceived. (Definition)
(2) God exists in the understanding but not in reality. (reductio assumption)
(3) Existence in reality is greater than existence in the understanding alone. (Premise)
(4) God's existence in reality is conceivable. (Premise)
(5) If God did exist in reality, then He would be greater than He is. [from (2) and (3)]
(6) It is conceivable that there is a being greater than God is. [from (4) and (5)]
(7) It is conceivable that there be a being greater than the being than which nothing greater can be conceived. [from (1) and (6)]
(8) It is false that God exists in the understanding but not in reality. [from (2) through (7)]
(9) God exists in reality. *
Fun, huh?
So this argument works by way of what logicians call a reductio ad absurdum, which means that we assume a controversial premise (in this case, premise 2), and then we draw a contradiction from that premise. Since contradictions cannot be true, we then know that the premise in question must be false.
Anselm's controversial premise is that it is possible for God to exist only in our minds but not in reality. But if we understand God to be the greatest conceivable being (which we all intuitively do), then this is impossible, because it would be greater for him to also exist in reality. So, on pain of contradiction, God must exist in reality.
And all this because we have a (relatively) clear idea of God. Like I said, I love this argument.
Confused? That's alright; it isn't easy. I'll let it simmer with you for a while, and next time we'll deal with some of the major objections that have been given and I'll share what I think is the usefulness of the argument.
* This is roughly Alvin Plantinga's formulation.


text:
From deep space to deep inside the body, amazing images are created and probed in the name of science. Test yourself to see if you can pick what's in the pictures. Test Me »
Tuesday, 1 May 2007
Climate change is not only a problem affecting the world's water supplies. Experts are also worried it'll make life trickier for people with Asthma. But as Catherine found out some schools are well prepared.
Most of us know at least one friend or family member who suffers from asthma.... it's very common... in fact 2.2 million people in Australia have asthma.
One in every six Aussie kids has it and more boys get it than girls. But exactly why some people get it and others don't remains a mystery.
Katie and her brother Chris have both had Asthma since they were babies.
KATIE DAHL: once I couldn't breath after I had a long run and that was a bit of a scary time.
CHRIS DAHL: I have to take a puffer each morning and night and if I don't I get really wheezy.
So what is Asthma?
Well people with asthma have sensitive airways in their lungs and when they're exposed to certain triggers those airways tighten which can make it hard to breathe. That can start coughing and wheezing and some people even end up in hospital.
So what are the 'triggers' that cause asthma?
Well cigarette smoke is a common nasty one, the hair on our pets is another -pollen, dust, the flu, mould, chemicals, perfume, exercise, even some medications we take when we're sick such as aspirin can cause asthma.
But Environmental Health scientists are worried that there'll be more of these 'trigger factors' around in the future because of climate change. They predict there'll be more pollen, smoke and dust in the air, which would lead to a lot more wheezing and sneezing!
At this stage there's no cure for asthma but it can be easily managed and you can certainly have a lot of fun and live a very active life.
Even well-known sports starts have it like Grant Hackett and Jana Pittman. The drummer from rock group Eskimo Joe is also an asthma sufferer and he certainly doesn't let it get in the way!
GRAB- I don't let it stop me.
There are plenty of medications around to treat asthma and they work by widening the airways to make breathing easy again. There are also things you can do around the home to make life easier.
At Katie and Chris's house their mum Sue vacuums regularly to keep the dust away and they don't have carpets. And while pet hair can cause asthma.. it certainly doesn't mean you can't have any pets.
CATHERINE: Now you guys have lots of pets.
KATIE: Yep we actually have 15.
KATIE:Yep we've got lots... we've got cats, a dog, guinea pigs, rabbits, fish..
CATHERINE: Oh my goodness... and do you get allergic to them?
KATIE: a bit but not really. We have the right kind of animals...we have shorthaired ones so we don't get allergic.
Katie and Chris also belong to an Asthma Friendly School.... what's that you ask?
That means their school is set up to make life easy for kids with asthma .
All the teachers know all about asthma and how to treat it.
The school has spare puffers and other medications available for emergency use and it also has a plan for managing asthma during school sporting activities, excursions and camps. This is very helpful for Katie and Chris because they love school sport and cross country running.
Katie is also in the school choir and her asthma certainly doesn't affect her voice...she wants to be a singer when she grows up... just like her idols the Veronicas.


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PUNBUS Recruitment 2014:
Department of Transport, Government of Punjab has liberated a Job Advt as PUNBUS Recruitment 2014 to select the skilled applicants for 2700 Driver/ Conductor / Workshop Staff posts.
Eligible Job fighters, who want to gear up their career, must fill the Online Application form to grab this wonderful Job Opportunity. Desirous contenders can apply on or before the dates prescribed below:
Important Dates:
|Closing Date For Online Registration
|5th Sep 2014
|Last Date For Fee Submission
|8th Sep 2014
PUNBUS Recruitment 2014 Details:
|Organization Name:
|Name Of The Posts:
|Number Of Posts:
|Department Of Transport, Government Of Punjab
|Workshop Staff (jr. Technician)
Total No of Posts:
Educational Qualification:
Appliers must have passed 8th / 10th or done ITI diploma in relevant discipline as per the post which is to be applied.
Required Experience:
Contenders require having the working experience of their field.
Application Fee:
Application fee will be paid online and the amount of fee is as follow:
|For General/OBC
|Rs. 1000/-
|For SC/ST
|Rs. 250/-
|For Physical Handicapped
|Rs. 500/-
|For Military
|Rs. 200/-
Age Limit:
|Post Name
|Age Limit
|25 yrs to 45 yrs
|18 yrs to 38 yrs
|Workshop Staff (jr. Technician)
Pay Scale:
Recruited participants will get the impressive amount of salary on the basis of their qualifications and experience.
Selection Process:
The job hunters will be recruited on the basis of following:
- Skill Test
- Written Test
- Interview
How to Prepare For Written Exam
Important Questions to Crack Interview
How to Apply For PUNBUS Recruitment 2014:
- Interested and eligible candidates can apply for this recruitment through filling and submitting the online application form by visiting the official website which is punbus.applyforexam.com
- Surf the appropriate links and fill the application form carefully, upload the scanned passport size photograph and signature
- Submit it successfully within the given time period and take a printout for the future reference.
For getting the other information relevant to the PUNBUS Recruitment 2014, aspirants may visit the official advt.
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(1) Do you make alcohol too big a deal if you lock it up? Are you creating safe boundaries or creating an irresistible temptation?(2) How do you continue the ongoing conversation about alcohol with your kids, once the temptation and/or pressure to try it actually becomes a reality?
So does making your house a safe hang-out spot for your kids and their friends mean locking up any alcohol you might have? People who responded to this question were 3:2 in favor of locking up alcohol if your home is a gathering place for teens and tweens. About half of the people who said they were in favor of locking up the liquor cabinet did so because they were concerned not necessarily about their own kids, but about the behavior of their friends and guests, who they might not know as well. Additionally, many people expressed their concerns about their liability if alcohol was consumed by teens while in their home. My friend Kathleen from the blog Middletini said:
"I'd lock it up. If the kids ask, say it's not that you don't trust them; it's that you don't always know their friends so well, and you'd rather be safe than sorry, because if a friend gets into the liquor and goes home drunk, the friend's parents might blame you for it."A reader named Laura made a couple of really insightful points on Facebook about how a lock and key may actually make things easier for kids when faced with a bad choice:
"I'd go ahead and lock it up because (1) YOU are the responsible adult who WILL be held responsible legally and (2) that will automatically remove any pressure from your kids' shoulders whenever that one (inevitable) friend (or three!) tries to wheedle them into breaking the rules and throwing an "open bar" afternoon."Another reader named Kristine made a similar point:
"My kids are adults now. We always had it accessible as we had a bar space in our dining room. HOWEVER, in hindsight, I think it should have been put away. If you don't act like the enforcer on this issue, your kids at some point will have to. In their teen years, kids and friends will come to your house who you have no relationship with and it's better for YOUR kids not to have to be the voice of reason with friends that may have other values. Also, all it takes is ONE incident."But there wasn't consensus on this. A lot of people agreed with the concern that by locking it up, parents were creating a greater temptation. Many people who disagreed with putting alcohol behind lock and key also said that it missed the greater point - which was communicating with teens about expectations and consequences. As one brilliant (and quite pithy) Facebook commenter named Teresa stated:
"It's more about talking than locking. Locking adult things away does not address the issue, just makes it seem more tempting. Be straight with your kids, listen to them, TALK about everything."Melissa from New Zealand added some interesting thoughts to the discussion as well, bringing to light that cultural norms are really different based on where you live:
"I live in New Zealand where laws are different - you can purchase alcohol at 18 and parents are allowed to give their own children alcohol in a supervised situation such as in the family home... When I was about 17, I was allowed to help myself from the liquor cabinet. Guess what? I'm 32 and never been more than slightly tipsy... My point is, if there is no taboo, often the mystery is gone and the chance it will be abused is lessened. However, it also depends on individual kids!"Maggie left a really interesting comment about how removing the choice at home can cut both ways:
"If we remove every temptation then we aren't teaching how to avoid temptation; or how to stand up to friends with bad ideas. We're infantalizing and not providing tools for making GOOD choices."And we had a few people give some honest feedback that I think we all know is true; if a kid is determined to drink, that kid will find a way. There was a really personal story left by a commenter who'd struggled with binge drinking as a young person, and he had this to say:
"By all means, talk to your kids about alcohol. Lock it up or don't, it won't make a difference if your kid doesn't see it as a problem. There are ALWAYS ways to get it that don't involve your private stash. I didn't drink because I had some crappy home-life, my parents loved me, still do. I didn't drink because I was trying to play at being an adult. I drank because I was restless and bored and it was something to do... I can't even tell you what might have made a difference for me, honestly, probably nothing. I'm telling you about all this because it doesn't matter what advice other people give you, if it's not what is right for your kid then it's not good advice. Try your hardest but recognize that some kids are wired different and have to find their own way."Since we've covered the issue of locking, let's move onto the issue of talking. How do you start new conversations about drinking and then keep them going? I've been trying to use random triggers to get a discussion started with my kids. Last week, for example, I was watching (an edited for TV version) of Pitch Perfect with my oldest and the scenes where the characters were drinking - we chatted about it. If we hear a song on the radio that talks about drinking, I'll ask my kids what they think about it and offer my take on it. I like the idea that they'll start to be aware of the messages they're getting from the media and start to interpret what those messages mean and how they feel about them. It will also give us lots of opportunities over time to bring it up, because now that it's on my radar, those messages seem to be everywhere.
Maggie commented that these conversations need to based on parents knowing how they really feel about the subject. If we're not sure where we stand, or we don't have a clear take on our expectations and feelings about teens and drinking - how can we convey a clear message to our kids?
"I think with all 'difficult' topics parents need to 1. know what they believe/expect, 2. communicate those beliefs/expectations and 3. stand behind them and the ramifications of what happens if the child falls short."I'll leave the last word on this to Jennie, whose comment on Facebook was liked almost 50 times and generated a lot of positive responses:
"Make it less about shoulds and should nots and more about the reasons why. Talk about how their bodies and minds aren't old enough to handle alcohol. Talk about the health issues, the addictive factor, the lack of self-control that can happen. Talk about TRUST and how, just like always, if you set a rule for your family (be it underage drinking or curfew or jumping on the couch or eating all the vegetables), you trust them to obey. If you are brave, talk about why you drink alcohol and maybe even a little about why you shouldn't. If you decide to lock up the liquor, talk about how you trust them, but maybe not their friends, and talk about how the temptation to impress can lead to bad choices. Talk about the legal side of things, how you could possible get in trouble for providing alcohol to minors. And don't LECTURE them all this. ASK them what they think. Maybe they already know all this stuff. :0)"Thank you so much for all of your amazing advice. I learned so much from all you!
This post is sponsored by Responsibility.org to guide a lifetime of conversations about alcohol responsibility. All the opinions are my own because no one is the boss of me.
(c) Mommyland Blogs 2013-2015
Check us out on Facebook, Twitter, Instagram & Pinterest. Better yet - subscribe! Mostly because Facebook is now so dumb that our updates don't even show up in our own feed anymore.


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4 P.M. CT marked the release of the 2017 preseason schedule for all 32 teams, and there was a little surprise waiting for the Packers.
Interesting to hear Andy Malumba & Dezman Moses both getting their names called on the Packers' first drive.
Follow all of the latest breaking news, commentary and analysis as the Packers travel to Kansas City to take on the Chiefs.
The Turk has paid a visit to the Green Bay Packers and some playbooks (or ipads) are being handed in.
How well did the Packers draft class of 2016 fare against the Oakland Raiders?
Here's my usual stream-of-consciousness, real-time musings on the Packers vs. Browns preseason game.
Follow all of the latest breaking news, commentary and analysis as the Packers host the Browns at Lambeau Field.
The Green Bay Packers wrapped up the 2015 preseason with a nice win against the New Orleans Saints. The most important part was coming out of the...
How did the Packers rookies grade this preseason?
These are the individual players to watch during the Packers' preseason finale against the New Orleans Saints.
Quick takes from the Packers' loss to the Philadelphia Eagles in the third week of the 2015 preseason.
Five things to watch for the Packers' third preseason game against the Philadelphia Eagles.
How did the Packers rookies fare against the Pittsburgh Steelers in the 2nd preseason game?
Five players trending up and five more trending down after the Packers' preseason loss to the Pittsburgh Steelers.
Quick takes from the Packers' 24-19 loss to the Pittsburgh Steelers in Week 2 of the 2015 preseason.
Five to watch during the Packers' preseason showdown with the Pittsburgh Steelers.
A look at some of the top stories and headlines heading into the Packers preseason week two game vs. the Pittsburgh Steelers
How did the Packers undrafted rookies fare during their professional debut? Has Ted Thompson found another diamond in the rough?
A look at some player trends from the Packers' preseason opening win over the Patriots.
Something of a tradition going back from the AllGreenBayPackers days, I'll be doing a short write up of each rookie who was drafted in 2015 to track their progress and predict their regular season contribution
Some quick takes from the Packers' 22-11 win over the Patriots in the 2015 preseason opener.
Five things to watch and a prediction for the Packers' preseason opener against the Patriots.
Former Patriots linebacker Matt Chatham, founder of FootballbyFootball.com, joins the show to preview the preseason opener.
The 2014 preseason is over for the Green Bay Packers. We dug for some relevant figures from the exhibtion games.
Quick takes from the Green Bay Packers' 31-21 win over the Oakland Raiders.
A handful of questions to think about ahead of Friday night's preseason contest between the Green Bay Packers and Oakland Raiders.
Quick takes from the Packers' 21-7 win over the Rams in Preseason Week 2.


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The Institute hosts two speaker series with the goal of promoting intellectual community across NYU units strengthening interdisciplinary networks and collaborations with NYU faculty, students, and research staff. The IHDSC Seminar Series, which is held on Tuesdays (Wednesdays for co-sponsored talks), invites nationally prominent scholars to speak on their research and meet with NYU faculty and students. The IES-PIRT Proseminar Series, which is held on Mondays, allows IES-PIRT doctoral fellows to meet with outside lecturers as well as present their own research to a group of peers and colleagues.
In addition, IHDSC also sponsors annual conferences organized by faculty affiliates.


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Olivia Preston Model
NytetymPhotographer Male Vancouver, British Columbia, Canada
My Website: PortfolioMy MM URL: http://www.modelmayhem.com/Nytetym
Mayhem # 2034527
About MeI've been an avid hobbyist for years, mostly still life & landscape, photography has given me an outlet for what art expression I have buried deep down. Learning to let it out is something I'm still working on & hoping to get from my continued use of my camera.
Over the last couple years I have moved to shooting people & portraits, mostly for my own satisfaction, if nothing else. I'm continuing to learn this new art form & I'm meeting interesting people along the way, networking & growing as an artist, in this field of many.
I'm looking to expand my portfolio, TFP friendly, to grow creatively, I'm still learning to direct models and I think this forum will give me opportunities to make more contacts and improve myself.
If you'd like to collaborate, I'm open to ideas & would love to hear from you.
Have you worked with Nytetym? Add Credits for Nytetym! >>
Worked together 1 times; Most recent: June 2017
Olivia Preston Model
K a o r u Model
Nanci Double-U Model
Shima Sharif Makeup Artist
Raynn-Beau Joy Model
trainerKEN Photographer
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What does this add-on do?
- Compatible XF Versions:
- 1.2
- 1.3
- 1.4
- 1.5
- License:
- https://opensource.org/licenses/MIT
This add-on adds a pop-up menu to the Forum tab giving easy access to various forums and other nodes.
Nodes can be separated into categories, which can be defined in the Admin Control Panel options for this add-on.
Other options include checking viewing permissions for all nodes and limiting the number of children shown for each node.
Unmaintained [TH] Forum Jump Menu 1.0.10
Adds a pop-up menu to the Forum tab giving easy access to various forums.
Recent Updates
- Version 1.0.10 released Apr 24, 2014
- Version 1.0.9 released Nov 30, 2013
- Version 1.0.8 released Nov 15, 2013


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Already have a VetUK Account?
Don't have an account?
Free delivery on orders with £10 worth of
VetUK own brand products
(click to enlarge)
Manufacturer: Flexi
Flexi New Classic Retractable 3m Cord Lead - Extra Small.
Stylish in design and with a comfortable, ergonomically designed handle, the tried and tested Flexi Classic Lead has been redesigned with a new high tech range.
The sophisticated lead, now lighter in design, features a comfortable short-stroke braking button as part of the built-in quick response braking system, ensuring the highest standard of safety and comfort on your daily walks.
The lead has been designed to extend up to a distance of 3m (10ft), allowing your dog more freedom, whilst allowing you full control and the ability to retract your pet as needed.
Suitable for dogs weighing up to 8kg


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|Related Products
|Verified forward and reverse primers for analyzing the quantitative expression of gene
|The primer mix has been verified to generate satisfactory qPCR data on Roche LightCycler480
|1 vial of lyophilized qPCR primer mix (1 nmol each primer, sufficient for 200 numbers of 25 μl reactions) is shipped at ambiente temperatura.
|The lyophilized product is stable for one year from date of receipt when stored at -20℃.
The suspended product is stable for six months from date of receipt when stored at -20℃.
Sino biological qEASY qPCR primer pairs are used for SYBR Green-based real-time RT-PCR, The primers are designed by using SBI's proprietary primer design algorithm. Our primer collection covers the entire human genomes. It can be widely applied in the quantitative analysis of gene expression.
To avoid genomic DNA amplification, at least one primer is designed crosses the junction of exons according to the conserved region of a specific gene with all variants.
Confirmed in positive organizations; screened the primer with high specificity and high sensitivity.
Serine/threonine-protein kinase 16, also known as myristoylated and palmitoylated serine/threonine-protein kinase, Protein kinase PKL12, TGF-beta-stimulated factor 1, TSF-1, MPSK1 and STK16, is a membrane protein which is ubiquitously expressed at very low levels. STK16 / MPSK1 belongs to the protein kinase superfamily and Ser/Thr protein kinase family. It contains one protein kinase domain. Transforming growth factor-beta (TGF-beta) shows a variety of biological activities in various organs or cells. Some factors such as Smads (Sma and Mad proteins) and TGF-beta activating kinase 1 have been characterized as signalling molecules downstream of TGF-beta. Several TGF-beta response elements have been identified such as cAMP response element, Smad binding element, and recognition sites for activating protein-1 and stimulating protein-1 in various gene promoters. STK16 / MPSK1 is an unique factor with two biological functions, transcriptional regulation and protein phosphorylation, that may be involved in TGF-beta signals. STK16 / MPSK1 is a protein kinase that act on both serine and threonine residues. STK16 / MPSK1 possessed DNA-binding ability and activated the TGF-beta responsive CNP promoter or vascular endothelial growth factor gene promoter which possesses a sequence element analogous to the TGF-beta responsive GC-rich element of the CNP promoter. STK16 / MPSK1 did not directly activate a Smads-dependent promoter from plasminogen activator inhibitor 1 gene, but it showed enhancement in co-operation with Smad3 and Smad4. STK16 / MPSK1 mRNA as well as its protein level were stimulated by TGF-beta treatment.


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Roof Replacement and
Roof Repair Specialist(703) 475-2446
September 21, 2011 by - 1 Comments
Did you like this?
If you are experiencing a wet spot in your house or insulation, it could be from the stack pipe which exhausts fumes from your furnace's combustion out of the house. Fixing this issue will take input from a HVAC contractor and a roofing contractor.
When your HVAC person installed your furnace, they calculated several things to make sure the exhaust exits in an optimal fashion. When natural gas burns, the exhaust is wet, and comes out of your furnace hot. Ideally, this exits the flue at a correct temperature to prevent future deterioration of the exhaust pipes.
The exhaust comes out of the furnace at a certain speed, and each time the pipes take a bend, or if the pipe is too wide, or too long, it slows down the flow. The longer distance of pipe also means there is more metal that is absorbing the heat from the exhaust flowing through it. If the exhaust flow slows down too much, it basically is stagnating in the pipe, and cooling down. This is when trouble starts brewing leading to you needing roof repair. When the exhaust cools down, moisture and gas byproducts condense on the pipe, creating a mild acid that eats at your flue pipe, and you will see white deposits of zinc oxide on the pipe, especially at the seams. You need an HVAC person to adjust the furnace and a roofer will fix where your furnace stack pipe exits the roof, the source of your roof leak.
Steven Briesemeister
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1 Responses to "Furnace Stack Pipe Vent Problems Can Cause Roof Leaks"
air conditioner repair Dallas TX says:
March 19, 2012 at 8:30 PM
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Honey Bagoong Chicken Wings
Be the first to review
READY IN: 1hr 10mins
Recipe by PalatablePastime
From pepper.ph. Originally called "Honey Bagoong Chicken Wings: Because Bon Chon and Barrio Fiesta won't make Love", you can see why this caught my eye. From there, it was all about the food. You can get the shrimp sauce in an international grocer. It doesn't look like fish sauce- it should be saucy looking and a little bit pinkish colored. Don't be afraid of the smell, but yes, like fish sauce, it can offend, but NOT in the final dish.
See Discussion:
Ingredients Nutrition
- 8 chicken wings
- 1⁄4 cup bagoong, alamang or 1⁄4 cup shrimp sauce
- 3 tablespoons honey
- 1 cup all-purpose flour
- cooking oil
- 1⁄4 cup honey
- 2 teaspoons bagoong, alamang or 2 teaspoons shrimp sauce
- 1 tablespoon water
Directions See How It's Made
- Marinate wings in a mixture of shrimp sauce and honey, at least 30 minutes, but longer is preferred.
- To make the glaze, cook honey, shrimp sauce and water until syrupy.
- Coat the wings in flour and shake off excess; fry 8-10 minutes in hot oil, then drain on paper toweling.
- Drizzle with syrup.


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The Disobedient Child
|The Disobedient Child
|Written by
|Thomas Ingelend
|Date premiered
The Disobedient Child is a theatrical comic interlude written c.1560 by Thomas Ingelend (an author who is known only as a "late student of Cambridge", as described on the first edition's title-page) and first performed in a Tudor hall.[1]
This play contains the famous line: "None is so deaf as who will not hear."
Morality play[edit]
It deals with the subject of the proper disciplinary treatment of children, raising the threat of the evil of those raised without strict discipline. It portrays a young man who is eager to marry despite his father's objections, and the unhappiness of his subsequent married life. The moral of its story is "you've made your bed, now lie in it." It ends with a song to Queen Elizabeth.
The printed edition by Thomas Colwell is without date, but it was published about the year 1560. "The source," writes Tucker Brooke, "from which Ingelend derived the rough framework of his play is a prose dialogue of the French Latinist Ravisius Textor (Jean Tixier de Ravisi, 1480-1524); but Textor's scant two hundred and thirty-five lines of question and answer between a colorless Pater Juvenis and Uxor are expanded, in the fifteen hundred lines of the English work, into a drama of much higher intensity and literary merit than the original in any way suggested."[2]
- Tucker Brooke, C. F. 1911. The Tudor Drama: A History of English National Drama to the Retirement of Shakespeare. Boston: Houghton Mifflin.
- Chambers, E. K. 1923. The Elizabethan Stage. 4 volumes. Oxford: Clarendon Press.
- Southern, Richard. 1973. The Staging of Plays Before Shakespeare. London: Faber. ISBN 0-571-10132-1.
Further reading[edit]
- Ingelend, Thomas; Textor, Joannes Ravisius (1970). The Disobedient Child. New York: AMS Press. ISBN 0-404-53342-6. OCLC 334399.


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Brand New To Tumblr!?
followed:) follow me back?http://quotesack.tumblr.com/
Strong brand vs weaker brand how they affect purchase decision?
People tend to overlook the meaning of the term 'brand'. It's not just about the logo and the trade-name.A brand is how consumer perceive one's company or product. A good way to gauge this is throu...
Read More »
How does consumer respond to companies presence in a brand community and its impact on brand loyalty?
Yeah... sorry, i'm a bit confused too.
Which of these brand names do you like I am creating a new Brand?
I like 1 and 2Mostly 2 ..
If I add a photo to tumblr, and it later appears on google, if I remove it from tumblr, will it be removed?
Google has nothing to do with tumblr


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Honda Dealers Can Take Orders For Fit And Insight Models
Speaking to its US dealers, American Honda Motor Co has said that they can resume taking orders of smaller, made in Japan offerings such as the Fit subcompact and Insight Hybrid.
The news comes as consumers in the US continue to look for more fuel efficient vehicles as gas prices hover around the $4 per gallon mark. Acorrding to American Honda's Executive Vice President John Mendel, the company has "turned the corner," when it comes fixing supply issues that followed in the wake of the March 11 earthquake in Japan. As a result, he expects production to return to "almost normal levels," by August.
The news is welcome relief for dealers, whose supply of smaller cars was running desperately low in some cases. Mendel reiterated that dealers still needed to be aggressive on the sales and marketing front to move metal, even if stockpiles are returning to normal levels.
As a result of parts and vehicle shortages, Honda's sales were down by some 22 percent in May. Although Fit production is back on track, supply of the company's most popular cars in the US, the Civic and four-cylinder Accord, still remains limited.
[Source: Automotive News]


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South Park: Season 5 Episode 4, July 11, 2001. Watch all seasons of South Park, full episodes. See even more South Park episodes free in HD. South Park stars Trey Parker, Matt Stone, and Isaac Hayes. South Park was created by Trey Parker and Matt Stone.
South Park: Season 5 Episode 4 (July 11, 2001)
Scott Tenorman Must Die