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|7 La. 113; APPEAL FROM THE COURT OF THE THIRD JUDICIAL DISTRICT, THE JUDGE THEREOF PRESIDING. In a suit between the transferee and the maker of a promissory note, where the answer alleges fraud and collusion, be-tween the payee and transferor of the note and the plaintiff, parole evidence of the acts of the former is clearly admissible against the latter, if the collusion is established. And where the jury are to pass at once on both the plea of collusion and the acts of the transferor, charged with collud-ing with the plaintiff, the evidence relating to these two points, must be administered simultaneously. On the score of irrelevancy, the objection to testimony is seldom of any avail in the Supreme Court. The promise of the vendor of a slave, to rescind the sale on account of redhibitory defects, is admissible in evidence, in a suit between the transferee of a note and the maker, for the price of the slave, to show the existence of the redhibitory defects. Where the day of payment of a note is past, at the time of its transfer, it is a sufficient warning to whoever receives it, that the maker may have some just reason to withhold payment, as he has a right to any equitable defence after the transfer, which he might have successfully urged before. A note payable on demand, may be sued upon immediately, or pleaded in compensation. A verdict found on the plea of fraud and collusion, is entitled to particular attention, because they are the objects for the cognizance of the jury. This is an action on a promissory note, of the following tenor: "$ 675. On demand, I promise to pay A. C. M'Daniel or bearer, the sum of six hundred and seventy-five dollars, for value received, this 22d day of April, 1833. "James Nettles." "I transfer the within note to Henry Burroughs, for value received, this 1st day of June, 1833. "A. C. M'Daniel." The plaintiff alleges, he has made an amicable demand, upon the maker of the note, of payment, which has not been complied with; he, therefore, prays judgment for the amount thereof, and interest from judicial demand. The defendant pleaded a general denial, and that said note was never bona fide transferred to the plaintiff; that he gave no valuable consideration therefor; that it was not transferred at the time it purports; and that it was never in the possession of the plaintiff, who is neither the legal or equitable holder thereof; that said transfer was simulated and fraudulent, and made with the intent to cheat and defraud this defendant, and deprive him of his equitable defence against said note, in the hands of the payee; that said note was fraudulently obtained from him without any valuable consideration; that said M'Daniel agreed to sell him a negro man, by the name of Hector, for the amount of the note, but failed to make any title and had none himself, the negro being the separate property of his wife. He further states, that in pursuance of an agreement to cancel the sale, he returned the slave to M'Daniel, who appointed a time to meet him and deliver up the note, and failed; that said slave was discovered to be afflicted with a redhibitory disease, of which he has since died, &c.; that the plaintiff participated in the fraud practised in this case, and was cognizant of all the facts at the time of this pretended transfer. The defendant avers, that he has been put to much trouble and expense by the proceedings against him, and sustained damages to the amount of eight hundred dollars; wherefore he prays judgment that his note be given up or cancelled, and for damages and costs. The plaintiff introduced in evidence the deposition of Sarah Wisdom, taken under a commission, before a justice of the peace. She declares, the note of Nettles was given in part payment of the price of several slaves, sold by Elizabeth Burroughs to Jane M'Daniel, the former the wife of the plaintiff and the latter the wife of the transferor of the note. Witness saw M'Daniel endorse the note to plaintiff, at or about the time it bears date; that plaintiff sent the note to Net-tles for payment by M'Daniel; heard M'Daniel tell plaintiff it was not paid, and the latter told him to put the note in suit for collection. Witness knows the note was given by Nettles to M'Daniel for a negro man, named Hector, whom she knew to be healthy and sound at the time. Dr. Skipwith was called by defendant, about the 6th September, 1833, to see Hector, who was sick. "Defendant said, the negro had been sent back to him by M'Daniel, and he was determined not to keep him." The defendant's counsel objected to the reading of Sarah Wisdom's deposition, on the ground that some of it was hear say, and that it was not the best evidence the case admitted of. The court admitted it, and a bill of exceptions was taken. The cause, on these pleadings, and the evidence adduced by the parties, was submitted to a jury, who found a verdict for the defendant. From the judgment rendered thereon, after an unsuccessful motion for a new trial, the plaintiff appealed. Lawson, for the plaintiff. 1. The evidence shows, the note in suit was executed the 22d April, 1833, in favor of M'Daniel, or bearer, who on the 1st June of the same year, transferred it to the plaintiff, in part payment of the price of some negroes, purchased by his wife from the plaintiff's wife. 2. This court must either reject the testimony excepted to, and remand the cause for a new trial, or reverse the judgment and give one for the plaintiff. 3. The court erred in permitting improper and illegal testimony to go to the jury. 4. The court suffered matters and things between other parties to be given in evidence against the plaintiff in this suit, and permitted the witnesses to detail to the jury hearsay evidence, and testimony irrelevant to the issue. 5. The court erroneously permitted the defendant to give parole proof of a verbal agreement made by defendant and M'Daniel, to rescind the sale of the slave and cancel the note, two months after it was transferred to the plaintiff. 4 La. Reports. 64, 20, 166. 6. The judgment ought to be reversed; the execution and assignment of the note for a valuable consideration, is ad-mitted and proved. The defendant has failed to show the slave was afflicted with a redhibitory disease, and he has failed to show fraud and simulation. 7. Without fixing a knowledge of fraud on the plaintiff, it could not be legally urged in bar or avoidance of his rights, though established against the transferor of the note, which is not done in this case. Chitty on Bills, edit. 1830, p. 70, 67, note 1 and 9--400-1. *Andrews, contra. Martin, J., delivered the opinion of the court. This is an action instituted by the holder and transferee of a promissory note, payable to bearer, against the defendant, as the drawer and maker thereof. The latter pleaded a general denial; and fraud and collusion between the payee and transferor of the note, and the plaintiff; and also the failure of the consideration for which the note was given, it being originally given for the price of a slave, who was attacked with a redhibitory disease. He likewise prayed for a rescission of the sale. There was a verdict, and judgment rendered thereon for the defendant; from which, after an unsuccessful effort to obtain a new trial, the plaintiff appealed. The record of the case shows, that the note was given on the 22d of April, 1833, and made payable to A. C. M'Daniel or bearer, who on the 1st day of June following, transferred it by a written transfer to the plaintiff, in part payment of several slaves, purchased by the wife of M'Daniel, from the wife of the plaintiff. The transfer was made by the delivery of the note, accompanied by a written assignment on the back of it. It is shown that the slave was attacked with a redhibitory disease, and shortly after returned to the vendor, who refused to receive him. He soon after died, in the possession of the defendant. Our attention is first drawn to a bill of exceptions, taken by the plaintiff and appellant's counsel, to the admission in evidence of the testimony of W. Waddle, S. Nettles, W. Nettles and John Nettles, which testimony was taken down by the clerk, on the ground that what they related, was res inter alios acta. 2. That the testimony is irrelevant, or founded upon hearsay. Lastly, it is opposed on the ground of an attempt made to give parole evidence of the cancelling or res-cinding the sale of a slave. The court overruled the objections, on the ground of the plea of fraud and collusion. The answer, alleging collusion between the plaintiff and the payee, who transferred the note, clearly authorises evidence of the acts of the latter to be given against the former, if the collusion was established. And as the jury was to pass at once, both upon the plea of collusion and the acts of the transferor of the note, evidence relating to these two points, was to be administered simultaneously. On the score of irrelevancy, the objection to testimony is seldom of any avail in this court. Irrelevant testimony is easily rejected, and has no other effect than to cause a loss of time. It often happens that, in order to illustrate the fact to which he deposes, a witness is necessarily led into the detail of circumstances, and the information which he has received in relation to it. In such a case, if the party against whom the witness is introduced, apprehends danger, he may warn the jury of the obligation they are under to disregard hearsay testimony, and if necessary, call on the court to instruct the jury accordingly. The promise of the vendor of the slave, for which the note was given, to rescind the sale and return the defendant's note, if not admissible to support a demand for the rescission of the sale thereon, may be received to establish the ad-mission of the vendor of the existence of a redhibitory vice. It does not appear to us, that the District Court erred in admitting the evidence. On the merits: if the note was still in the possession of the vendor and payee, there cannot be the least doubt but that the evidence adduced would discharge the defendant from the obligation of payment. His counsel has concluded that the same consequence follows in the present case: 1. Because the note, having become the property of the plaintiff after the day of payment was passed, he holds it subject to every equitable plea or defence that might be opposed to his transferor. 2. Because the evidence shows, that the plaintiff colludes with his transferor to deprive the defendant of the means of a defence, which would be destroyed by a fair transfer of the note to a party without notice. I. The circumstance of the day of payment of the note being past, at the time of transfer, is a sufficient warning to whoever received it, that the maker may have some just reason to withhold payment, since it is held he has a right to any equitable defence after the transfer, which he might have successfully urged before. A note payable on demand, may be sued upon immediately by the legal holder; or may be pleaded in compensation; yet, in the usual course of affairs, it is not expected to count on instant payment. Hence, if it be offered to be transferred shortly after its date, the circumstance of its having been the object of an instant call for payment, does not necessarily present the same degree of suspicion, if any, as in the case of a note payable on a given day, which is already past. We, however, refrain from expressing any opinion on the first point, because that which we have formed on the second, renders it unnecessary. II. The jury have passed upon the plea of fraud and collusion, and found in favor of the defendant. A verdict on these pleas is entitled to the particular attention of this court, because they are the peculiar objects of the cognizance of a jury. They often require the weighing and comparing of a number of circumstances apparently of a trivial nature, which, separately viewed, appear very unimportant; but which circumstances, when brought together and compared with each other, acquire weight which destroys the equilibrium that kept determination in suspense. A knowledge of all the circumstances, their nature and the standing and character of the witnesses and parties, is often of incalculable utility. Collusion in this case, is charged on persons nearly connected by affinity; who lived in the same neighborhood, and who appear both to have had an intimate knowledge of the details of the transaction, in which the note originated. The transferee or plaintiff, is stated to have employed the transferor as his agent in the prosecution of this suit, and the latter after the transfer, appears to have considered himself as still the owner of the note, and he appears to have retained the possession of it. He declared his intention after the transfer, to claim interest at the rate of ten per cent. The counsel for the defendant states, that the transferee prosecutes the present suit, by the agency of the transferor. In support of this charge they show that the latter sent a young woman, who resides in his house, to an adjoining parish, to be examined as a witness, with a view of dispensing with her examination in court. Under all the circumstances of the case, we are unable to say the jury came to a wrong conclusion in forming their ver-dict. It is, therefore, ordered, adjudged and decreed, that the judgment of the District Court be affirmed, with costs in both courts.
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|Baton Rouge 1813-1846
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Our FAQ on The National Foreclosure Settlement and Independent Foreclosure Review
Regulators have provided a bare-bones website and frequently asked questions about the foreclosure reviews. But we thought things could be even clearer for readers, so we are providing this FAQ.
Update: On Jan. 7, 2013, banking regulators announced the Independent Foreclosure Review would end for 10 banks and be replaced by a $3.3 billion settlement. See our report for the initial rundown. We will update this FAQ when the settlement is finalized and the details are available.
Update: This post was revised Oct. 1, 2012, to include information about the mailing of claim forms to homeowners eligible for the National Mortgage Settlement.
The government is overseeing two large, interrelated efforts to compensate homeowners who were harmed during the foreclosure crisis: the National Foreclosure Settlement and the Independent Foreclosure Review. Below is our FAQ to explain who is eligible for these programs and how people can apply. If you have other questions, let us know, and we will consider adding them to this FAQ.
Also, to help us continue monitoring these programs, homeowners going through them can fill out our foreclosure questionnaire and email us to tell us what's happening.
The National Foreclosure Settlement
In February 2012, officials from 49 states and the federal government announced they'd struck a $25 billion deal with five of the country's biggest banks. The settlement resolved allegations that the banks deceived homeowners and broke laws when pursuing foreclosure.
About $1.5 billion of that $25 billion actually constitutes cash that's going straight to victims of the banks' practices. The process is underway.
Q. Who is eligible for this compensation?
1. You were foreclosed on between Jan. 1, 2008 and Dec. 31, 2011. Unlike the Independent Foreclosure Review (see below), the settlement limits compensation to those who actually lost their home to foreclosure.
2. The home was or was intended to be your primary residence when you got the mortgage loan.
3. Your mortgage servicer — the company you sent payments to — was one of a select number of companies. The government has not yet posted an official list, but five banks are participating in the settlement. The following companies are servicing subsidiaries of those banks, so you are likely to fulfill this criterion if your servicer is one of these companies:
- America's Servicing Co.
- BAC Home Loans Servicing (a subsidiary of Bank of America)
- Bank of America
- Chase
- Citibank
- CitiMortgage
- Countrywide
- EMC Mortgage
- GMAC Mortgage
- Home Loan Services (a subsidiary of Bank of America)
- Washington Mutual (WaMu)
- Wells Fargo Bank
- Wilshire Credit (a subsidiary of Bank of America)
4. Your house was in Washington, D.C., or any of the U.S. states except Oklahoma. (If you're an Oklahoman, see this.)
5. You lost your home due to a financial hardship and/or you were improperly foreclosed on.
Q. What kind of financial hardship? What does "improperly foreclosed on" mean?
This website, set up to allow homeowners to file claims online, lists several examples of financial hardships.
The site also lists two main categories of improper foreclosure: "loan modification problems" and "foreclosure errors." Both categories contain several examples.
Q. Do I have to prove I had a financial hardship or I was improperly foreclosed on?
No, you will just have to check a box.
Q. How much compensation might I receive?
It depends on how many people claim their compensation. Everyone will receive the same amount regardless of the nature or severity of the servicing abuse. At the least, homeowners will receive $840, but it will almost certainly be more than that. Officials overseeing the settlement have estimated that eligible borrowers will receive about $2,000 each, which is based on the assumption that 750,000 borrowers will claim compensation. If more borrowers respond, it could be less than $2,000, and if fewer borrowers respond, it could be more.
Q. Who's in charge of this process?
The state and federal officials overseeing the process have appointed a company to be the "Settlement Administrator": Rust Consulting. You can call Rust with questions at 1-866-430-8358.
Q. How do I apply?
There's no application process. Rust Consulting will identify the eligible borrowers and send notices out to them.
Q. What do I do then if I think I'm eligible?
You can contact Rust Consulting at 1-866-430-8358 if you think you should have received a notice and claim form, but did not.
Q. When will this process get underway? When should I expect to look for something in the mail? When will I get my payment?
Notice letters and claim forms are being sent to eligible borrowers from late September through early October 2012.
A spokesman for the Iowa attorney general's office, which led the settlement negotiations, said checks should go out to borrowers by the middle of 2013.
Q. What should I look for in the mail?
The letters will include a "National Mortgage Settlement Claim Form" and will also have the letterhead and/or logo of your state attorney general.
Here is an example of the letter and form being sent to homeowners in Florida.
Q. Will I have to waive my right to sue my servicer in exchange for receiving this compensation?
No. But if you sue your servicer, this compensation would offset any money you might receive through the lawsuit. For example, if you won $10,000 through a lawsuit, but were given $2,000 in compensation through the National Foreclosure Settlement, you would receive only $8,000 from the suit.
The Independent Foreclosure Review
Update: On Jan. 7, 2013, banking regulators announced the Independent Foreclosure Review would end for 10 banks and be replaced by a $3.3 billion settlement. See our report for the initial rundown. We will update this FAQ when the settlement is finalized and the details are available.
In November 2011, federal banking regulators launched the "Independent Foreclosure Review." Certain current or former homeowners who were the victims of abuses or errors by mortgage servicers will be eligible for compensation.
Q. Who is eligible for the reviews?
You have to meet all of the following criteria:
1. The home is/was your primary residence. Vacation homes or investment properties will not be eligible.
2. You were in the foreclosure process at any time between Jan. 1, 2009, and Dec. 31, 2010. The review is NOT limited to people who actually lost their homes to foreclosure in that time period. All that matters is that you were in foreclosure at any point during that time frame. You might have eventually avoided foreclosure by getting a modification; you might still be in foreclosure; you might have sold your home. The final outcome doesn't matter. All that matters is that you were in the foreclosure process at some point in 2009 or 2010.
3. Your mortgage servicer — the company you sent payments to and that handled your request for a modification — in 2009 or 2010 was one of the following companies, listed here in alphabetical order:
- America's Servicing Co.
- Aurora Loan Services
- BAC Home Loans Servicing (a subsidiary of Bank of America)
- Bank of America
- Beneficial
- Chase
- Citibank
- CitiFinancial
- CitiMortgage
- Countrywide
- EMC Mortgage
- EverBank/Everhome Mortgage
- GMAC Mortgage
- HFC (now HFC Beneficial)
- Home Loan Services (a subsidiary of Bank of America)
- IndyMac Mortgage Services (part of OneWest Bank)
- Litton Loan Servicing*
- MetLife Bank
- National City Mortgage
- PNC Mortgage
- Saxon Mortgage Services*
- Sovereign Bank
- SunTrust Mortgage
- U.S. Bank
- Wachovia Mortgage
- Washington Mutual (WaMu)
- Wells Fargo Bank
- Wilshire Credit (a subsidiary of Bank of America)
*Regulators acted on Litton Loan Servicing and Saxon Mortgage Services later than on the others, so the foreclosure review for Litton and Saxon customers has not yet begun. The Federal Reserve — the regulator for both Goldman Sachs, which owned Litton during the relevant time period, and Morgan Stanley, which owned Saxon — could not tell us when the process would begin for either company. We will update this post when we hear more about this.
Q. Who is conducting these reviews?
Under the supervision of regulators, the servicers have hired consultants to conduct the reviews. While some critics see a conflict of interest in the servicers choosing who will review their conduct, regulators say the consultants will be independent and answer to them, not to the servicers.
On Nov. 22, 2011, the Office of the Comptroller of the Currency (OCC) released a list showing the consultants and which banks they'll be reviewing. They also released each consultant's "engagement letter," which lays out the terms of their agreements. Below is the list of banks and their consultants. We've also uploaded the engagement letters, which you can see by clicking on the consultants' names.
- Aurora Loan Services: (See note below.)
- Bank of America (includes BAC, Countrywide, Home Loan Services, and Wilshire): Promontory Financial Group, LLC
- Chase (includes EMC and WaMu): Deloitte & Touche, LLP
- CitiBank (includes CitiMortgage and CitiFinancial): PricewaterhouseCoopers, LLP
- EverBank/Everhome Mortgage: Clayton Services, LLC
- GMAC: PricewaterhouseCoopers, LLP
- HSBC (includes HFC and Beneficial): Ernst & Young, LLP
- IndyMac Mortgage Services (part of OneWest Bank): Navigant Consulting, Inc.
- MetLife Bank: Ernst & Young, LLP
- PNC Mortgage (includes National City): Promontory Financial Group, LLC
- Sovereign Bank: Treliant Risk Advisors, LLC
- SunTrust: PricewaterhouseCoopers, LLP
- U.S. Bank: PricewaterhouseCoopers, LLP
- Wells Fargo Bank (includes America's Servicing Co. and Wachovia): Promontory Financial Group, LLC
Note: The OCC announced on May 11, 2012 that the consultant handling Aurora's review, Allonhill, had been removed, because it was not sufficiently independent: Allonhill had earlier provided advisory services related to the same pool of loans it was reviewing for abuses and errors, the OCC said. Aurora is in the process of selecting a new consultant, according to OCC spokesman Bryan Hubbard.
Q. How do I submit a complaint so that I'm included in this process?
You have to submit a Request for Review Form postmarked no later than December 31, 2012. (The original deadline of April 30, 2012 was extended to July 31, then through September, and then again.)
You can get a hard copy of the Request for Review Form two different ways. First, you might have received a letter from your servicer with the form included. Those letters were mailed out sometime before the end of 2011. If for some reason you haven't received one, you can also request a form by calling 1-888-952-9105 (Monday through Friday, 8 a.m. to 10 p.m. or Saturday, 8 a.m. to 5 p.m. Eastern time). The form will have a "control number" specific to your individual case.
You can also submit your application through the Independent Foreclosure Review website.
You can see a sample version of this form here so you'll know what it looks like. It was mailed to homeowners with something like this notice. But again, you need to obtain a form that's specific to your request.
Q. What abuses or errors are covered by this review?
There is no comprehensive list, but regulators have indicated some clear areas of focus. If any of the following abuses happened to you, you will probably have a better shot at receiving some form of compensation if you clearly describe them on the Request for Review Form and provide any supporting documentation. (For a longer list, including some less common situations, see this congressional testimony from an OCC official.)
- Your servicer didn't properly consider you for a modification — that includes not following the guidelines of HAMP, the Home Affordable Modification Program.
- You were in a trial modification, were making payments, but were foreclosed on anyway without having been denied a permanent modification.
- You were doing everything a permanent modification agreement required, but the foreclosure sale still happened.
- You requested assistance/modification, submitted complete documents on time, and were waiting for a decision when the foreclosure sale occurred.
Calculation errors or incorrect charges:
- You were charged bogus fees and/or penalties.
- Mortgage payments were inaccurately calculated, processed or applied. It would be especially noteworthy if the foreclosure process began because your servicer incorrectly processed your payments.
- The mortgage balance amount at the time of the foreclosure action was more than you actually owed.
Legal and documentation issues:
- Your servicer didn't properly document ownership of the promissory note or mortgage when the foreclosure was initiated.
- Your servicer didn't follow state or federal laws when it pursued foreclosure. (For example: the servicer might not have sent you the proper notices or not waited the required amount of time before initiating foreclosure or actually foreclosing).
- You were not actually in default when your servicer initiated foreclosure.
- The foreclosure action occurred while you were protected by bankruptcy.
- Your servicer violated the Servicemembers Civil Relief Act. For instance, you were in the military and on active duty when your servicer pursued foreclosure. Under the act, the ban on foreclosure runs for nine months following active duty.
- You sent a payment sufficient to cure your default, but your servicer didn't accept it.
Q. What sort of compensation might I receive?
You could receive up to $125,000 or nothing at all. It depends on what your servicer did wrong and whether you suffered "financial injury" as a result.
In June of 2012, regulators released a basic "framework" that shows the compensation for a number of common servicer abuses. You can see it here.
Some abuses have been set at a precise dollar figure. In those cases, regardless of the size of the mortgage or the homeowner's individual circumstances, the compensation is the same. For example, the highest possible amount someone who lost their home to foreclosure could receive is $125,000 (plus whatever equity was in the foreclosed home), but that's only under four scenarios:
- The servicer broke the law by foreclosing on a member of the military protected by the Servicemembers Civil Relief Act.
- The servicer foreclosed even though the homeowner wasn't actually behind on payments or was only behind as a direct result of the servicer's error.
- The servicer foreclosed even though the homeowner hadn't yet completed the trial modification and was making payments.
- The servicer foreclosed even though the homeowner had successfully completed a trial modification, but hadn't yet been given a final answer on a permanent modification.
In all those scenarios, the borrower receives the $125,000 if the servicer can't unwind the foreclosure. If the servicer rescinds the foreclosure and returns the home to the borrower, the cash compensation drops to $15,000. (See here for more info on when the servicer is required to undo the foreclosure.)
All other abuses bring less compensation. For instance, if the servicer foreclosed after denying a modification application that should have been approved, that brings $15,000 ($5,000 if the servicer gives the home back to the borrower). And sometimes, there's no universal figure – the compensation will be tailored to the homeowner's precise situation. In some cases, the servicer may just be forced to correct its errors and not provide any cash compensation at all.
Regulators say people will not be compensated for pain and suffering they endured as a result of the servicer's abuses, such as stress or depression, because the review focuses solely on "financial injury" done to the borrower. Regulators also say that victims won't be separately refunded for attorney costs incurred fighting the foreclosure.
The framework for compensation lists 13 different scenarios, and regulators have produced a lengthy FAQ about it, so homeowners should take a look at those documents for more information.
Q. What will happen after I submit my complaint?
You should receive an acknowledgment letter within one week. Then you wait. The reviewer may contact you for more information at some point. You will not be interviewed, however. Eventually, you will receive a letter that lays out what compensation you are being offered and "the findings of the review." Regulators said they haven't decided precisely what form these letters will take and in what detail they will discuss your complaint.
Q. Will submitting my complaint automatically stop my foreclosure?
No. However, the OCC says that homeowners who submit a request for review "will receive expedited attention" if the servicer is about to sell their home through foreclosure. Essentially, the reviewer will investigate to see whether the servicer committed any abuses or errors. If so, the foreclosure sale "may be postponed or halted." That is far from a guarantee.
Q. How long will the review take?
Regulators won't say. We will update this FAQ when they give some indication.
Q. Will I have to waive my right to sue my servicer in exchange for receiving this compensation?
Q. Can I appeal if I disagree with the findings of the review?
Related Story: Flaws Jeopardize New Attempt to Help Homeowners and Guiding You Through the Govt's Foreclosure Compensation Maze.
Correction, June 7: This post has been updated to reflect the fact that homeowners can submit their application for the Independent Foreclosure Review online. It's also been updated to clarify that homeowners eligible for the review will only be receiving a reminder through the mail this summer, not another copy of the request for review form.
20 comments
Why only 2009? My 2/28 adjustable mortgage went from $2621.50 to $4119.50. This was 2008 and there were no government programs to help, no lenders under the microscope. They did what the wanted. My home was foreclosed on by a lender who was not even licensed in the state at the time they did my mortgage. They sold my home in a little over 10 days at a price I could have afforded to make the payments on, but refused to help me. I had no one to turn to who was interested in helping stop this, and had to turn the keys of my home over to the Realtor in front of my then 6 yr old son. He watched his world disappear and there was no help. The stress from this killed our marriage and he lost his home, his family, his friends, his school, and his neighborhod. That is his childhood memory. We were the first wave and had no help as we were losing our homes. What about us?
It's about time that someone is sticking up for the homeowners, because I was denied a loan modification because I didn't have enough income. That wasn't the deal. I lost my income because I had deaths in my family, that's why I thought that I qualified for a loan modification, instead , I was facing foreclosure.
Why isn't Fannie Mae and Freddie Mac partaking in the foreclosure review?
We bailed them out, yet they have the audacity to take 12 million in bonuse's. Do you have any idea how many foreclosures Fannie Mae and Freddie Mac Robo-signed. Why don't you take a poll , you will find out they have outsourced their loans to mortgage servicers. These mortgage servicer's lose your paperwork, outsource their customer service to India- taking jobs away from american's . Any way you look at it Fannie Mae & Freddie Mac along with all the banks that took TARP monies think they're god. They're not accountable because the government is too soft on them. The Government should seize Fannie & Freddie Mac's bonuse's- And they can collect their bonuse's when every loan modifcation has been reviewed, renewed, or rejected. The government needs to be assertive, and do something for the middle class which has been hit the hardest throughout this entire mortgage failure, bank failure living abortion.
Thank you for the article - My comment however, is that it most certainly represents what the homeowners who have been so victimized will get and how this permeates into a pass pass situation for the banks.
I will, somehow, find the time, to print what I believe are clear abuses and wrong doing on the servicing level to the best of my knowledge because I have worked with these cases and what they intend to do now for the homeowenr is a clear indication that "they are not working in the best interest of the homeowner" but are only buying additional time for the banksters to try to figure out how they are going to avoid the real issues - the fraud (not procedural errors on the part of servicers who allowed robo signing), but the financial restitution that is paid to homeowners who have truly lost that which is not just considered to be a monetary price. You cannot put a price on what has happened to the homeowenrs, but I can assure you, the homeowners had best do just that. To accept something less is a terrible injustice to the American people and shows clearly to me that the feds are taking their lead from those who have appear to have the most power at this time - the banks.
If I just had a few more hours in the day, I would like to make a contribution of possible abuses, all of which collectively the homeowners could put together themselves - as they have walked down that path millions of times and for that, they get nothing but another ploy.
I am sick over this latest maneuver - it simply cannot hold and most surely, it cannot be limited to 2009 -2010 - who in the hell made that a provision of the ploy now on the table. I have been workign since 2005 helping to defend homeowners - what gives the feds the right to do this. I guess it became necessary when they got caught looking at the movies while they were supposed to be on the job of oversight protecting the people from unscrupulous bankers and wall street.
Yes, I am mad. Been up since 4:00 this morning trying to help someone else save their home and they needed the info to get to court this morning. And you say there is no price on the stress that these homeowenrs are facing and have been facing. If Ron Paul wants to do away with some of the federal agencies, he needs to start with the OCC, OTS and the rest of that bunch.
Hold the banks accountable for their fraudulent actions? Madness, I tell you!
If this is kept up, banks will be forced to abide by the law, and then it's just a small jump from there to complete economic collapse. That's what the TV news seems to imply, at any rate…
I lost my home to Chase after my brother died from cancer in 2006. I was present for the phone call my brother had with his lender as he wanted his mortgage insured so that should anything happen to him the house came to me. My brother got his mortgage from Banc1 which Chase bought.
After my brothers death Chase claimed there was no such ins on my brothers mortgage and they told me point blank. We know you're broke after dealing with your brothers cancer and we (Chase) will fight you for years in the courts over the house if we have too.
All this took place after the house had been toteled in a lightning storm in 2005. The home ins com used lawyers to skate paying he claim until cancer took my brother. They knew if they could just stall long enough Chase would foreclose and the ins com was off the hook for paying the claim.
There was no help anywhere for what I went through. Our elected officials wrote the laws that allow ins companies to use underhanded tactics to avoid paying claims. This was even in the USA Today after the gulf storms saying the ins companies have an insider term for this "Turf and Surf". They wrestle you to the turf with BS cliams for things you must do to run you broke or just bleed you of money needed to fight them. Then the ins companies surf you off the field of paying anything.
What has our country come to when big comapnies can just run rough shod over every working guy because they have the money to do it? The sadest fact is the home ins company spent MORE for lawyers than what they could have settled the claim for, and made my brother die without getting the money that could have been used to proling his life.
Case also spent 3 times what the mortgage was to get the totaled house, and knew that poking their nose in would tell the ins company stall long enough and Chase will solve our problem for us.
Anyone who has reading these comments also needs to go to http://www.change.org and type in PHH Mortgage. Even if your mortgage was with someone else if we swell in numbers, we can attract a law firm and have a class action suit against every rotten mortgage company that rob-signed, and did illegal ways of taking your home, down payment, and retirement away from you. We are sick and tired of this under-handed, no accountabilitly , no regulation, The American people have had it. We need to band together get out of their stinking banks and let them choke. They've ruined our credit, no one has money to buy as money homes as they have sitting empty. We need to pull out of the banks and let them go out of business with NO BAIL_OUT THIS time. And that will send loud message to the insurance and pharmacutical industries as weill. These 3 industries have the deepest pockets to pay lobbyists. Well they're all showing loss's because consumerism Is so slow, and unemployment is so high. We can't afford health insurance anymore, and we can't afford drugs. So to hell with them all they wouldn't have gotten to where they were without us. They need to work for us and work with us. We need adaptable regulation to work with consumers and the government needs to do the same exact thing.
People—-HAMP is a lie—-please wake up—-the "debt collectors" have taken over—-they are taking your money and foreclosing illegally because—-in subprime especially—-they were never real "loans"—-only receivables were securitized—-there was no "funding"—-all smoke and mirrors—-a "line of credit"—-like a credit card—-sold over and over—-Wall Street bet on this crap—-then came insurance fraud and bail outs—-read this: (Also Google TILA Amendment with regards to REAL CREDITOR MUST BE DISCLOSED—-no more hiding behind so-called "Privacy Laws"—-lets get these bastards!!!)
"…People on here must understand what a "Qualified Financial Contract vs a Non Qualified Financial Contract" is. If and when you understand this you will see that (in most cases), trusts only had Non QFC's in the trust.
Google it…
Non QFC's are (just not as QFC's vs Non QFC's) are ONLY receivables of collection rights…start attacking the meaning of QFC's vs NON QFC's. …check out DBNTC vs FDIC …judge talks about the QFC matter. Case number is #09-3852 in the California
Federal District Court Central District Western Division.
People you need to read this case, and if you have a so called an Indymac Loan you really need to read this case. DBNTC admitts that all 246 trust under the Indymac was striped of all assets. They even went to probate so the judge would not make DBNTC liable for anymore claims. If anyone knows trust law you know that you can only go to probate when a trust is dead. DBNTC even put in a claim with the FDIC and was DENIED and was stated they are NOT a SECURED CREDITOR just a GENERAL CREDITOR (unsecured) and there will be no money for general creditors.
Onewest is not servicing the former Indymac papers for DBNTC, but instead for Indymac Ventures LLC. If you google and pull this name, its on the FDIC's own website it says THEY WILL NEVER BE GIVEN THE ORIGINAL NOTE, AND IF THEY TRY TO JOIN AND FORMER PARTIES IT WILL BE VOID.
So when banks lawyers (debt collectors), say: 'Here is the original note!'—they are committing open fraud and there is proof. They was only given a collateral file with the debtors information as any debt collector receives, when they buy debt.
FDIC gave Onewest the collection rights without taking on any liabilities. As many has seen in there court cases Onewest says we brought the assets of Indymac without any liabilities. Then how could they try to use the PSA's in court cases? They cant—they are not a party to the document.
Indymac was 2 people in the trust transaction:
1. Sellers (QFC)
2. Servicer (Non QFC)
Indymac sold their collection rights aka Non QFC's to the Trust Series. (You must understand a series has one main name and feeds the rest—that's why it called series.) Then Indymac promised that at of the time of selling that everything was in good order, and if it wasn't they would buy it back. (QFC) Once the trust took it, Indymac's job as seller was done.
Indymac then took on its other job: 2. Servicer of the trust. (Non QFC)
When Indymac went under, the FDIC took Indymac into receivership. FDIC then made Indymac Federal FSB. This is a big part, because when Onewest Bank says they bought the assets of Indymac Bank, Onewest did not buy the assets of the Failed thrift, but of Indymac Federal FSB the FDIC version of Indymac—which is a BIG difference. Onewest just tries to muddy the waters by not saying which one they really bought!
FDIC as in conservator split the QFC from the Non QFC and gave IMB Hold Co the deposits and the Collection rights of all 246 Indymac trust series without any liabilities. IMB Hold Co then made Indymac Ventures LLC (the only sole member of the LLC is Onewest Bank), who Onewest is servicing for.
FDIC did this without repudiate contracts under 12 U.S.C. 1821(e), r. Even if they did, it would have made the trust series whole, and still DBNTC would not have any claim even in Non QFC form. As FAS 140 explains in detail.
In short, if your loan was securitized its not about your (fake), Mortgage or Note it is about is it a 'Qualified Financial Contract' or NOT. Use this and you will not have to worry about 'where's the assignment?' or anything else.
Its now about accounting and security laws. Then you can show why there was not any assignments, because they only had Non QFC rights. Judges won't like this matter, but there is nothing they can do about it—now you are connecting the dots. All these securitizations are UNSECURED period—and banks know this. The Trust never had any QFC's only Non QFC's."
This whole review just smells like another attempt at making the American public think something is being done for their benefit. The fact that the bank provides the consultants is the first clue. Ya, right they will answer to the regulators after they first consult with the banks, come on, we are not that stupid. And, the looseness of the process should also screem out, beware, they will make up the rules as they go. I am not about to sign up to something that is so vague and put myself in a position of then having no recourse as I am sure there will be fine print or a condition after the fact that says so.
This in no way is holding the banks responsible, they need to go to jail, period!
This review is nothing but a scam to have people sign something so they have no recourse after the fact. If anyone is planning on signing up for the review, PLEASE GO TO COURTHOUSE AND RECORDERS OFFICE AND MAKE COPIES OF YOUR WHOLE FILE IMMEDIATELY. Every mortgage co in Denver hired people for a "special project" lasting 4-6 months to "REVIEW" their files, insert any missing documents, record any missing assignments, and make sure every case is complete now. (READ: FILE MORE FRAUDULENT DOCS, SO IT LOOKS LIKE WE DID EVERYTHING LEGAL). EXCEPT, THIS SHOULD HAVE BEEN DONE "BEFORE" EVER STARTING A FORECLOSURE. THE FEDS ARE GIVING THEM PLENTY OF TIME TO GET FILES UP TO PAR. Don't let the "REVIEWERS" KNOW YOU HAVE COPIES OF FILES. WHO WILL BE HELP RESPONSIBLE FOR THIS FRAUD????? That's right, NO ONE.
I have taken documents of Fraudulent activitys through the Banks Lend America-Wells Fargo,Real Estate Agent and Seller and my Home Loan is a FHA/HUD loan that NEVER had a finished Appraisel or a Home Inspection and Dcuments that stated home was CONTRUCTED on site in 1988,but in Reality Home was MANUFACTURED in 1981.Was Told by Real Estate Agent that was also working for Seller we did NOT need a Home Inspection even though it was a FHA/HUD funded loan.I have contacted Pa Enforcement & Investagations and The Federal Bureau Of Investagations and was told ," Sorry can't Help You ". So to beleive for one minute they are gonna actually do something for Homeowners that were Fraudulently Deceived by any of these Deptments is nothing more then Blowing Smoke in your Face to blind you of their true intentions.Their Cover Ups,Corruption and Personal Gains is all they are providing against these people that they say the are Helping.
There would not be nearly the foreclosure problem as there is if more attention was paid to what is actually the pre cursor to foreclosures that being the shabby way modifications have and are being handled. Folks who did all they were required to do; made many many trial payments and then were told after months and numerous conversations with bank employees and not once being told they were being turned down for a mod that they are facing foreclosure. HAMP Guidelines are not adhered to with absolutely no penalty, complaints to the OCC take months and years to be responded to by the banks and when they do respond it is with a letter from a customer advocate stating they did everything right and the homeowner did everything wrong; thanks for being a valued customer and the OCC closes the file without any investigation whatsoever. Where is the Referee???
We were never informed that our mortgage company was our servicer. Even when another bank foreclosed as Trustee for a CDO, the servicer bank denied that they had anything to do with our mortgage and told us to ignore the notices. After we hired an attorney and asked the court to determine who owned our mortgage, the bank rep informed us that the 3 HAMP applications and two years of attempts to resolve our problems and working with the servicer"s 80 different reps should never have occurred because the CDO did not permit changes in terms. In May 2010 the servicer and the bank withdrew claims and we have not any communication from either of them. Except that we were not in the service or bankrupt, everything mentioned on the list happened to us.
If anyone is looking for help or thinks or government cares on wit for us then you are deluded! OUR government gave the banks in bail outs and secret Federal Reserve sweetheart loans enough money to have paid off all 6.5 million homes that the banks have foreclosed on. I read this on Yahoo of all places.
Still OUR government allowed these crooked bankers to foreclose on homes they were paid in full for with OUR MONEY! The problem is not just these criminal bankers but also the criminal politicians we have in DC.
It's far past time to realize that we have arsonists we hired to be our firemen in DC. They were paid to burn the house down with us inside! When we started to smell smoke the arsonists stood outside saying "We have it all under control!! Don't worry we are taking care of you!"
The problem is not the Democrats or the Republicans. The problem is the Democrats AND the Republicans! We as Americans need to wake up! When we go to vote, and EVERYONE should vote, we should NEVER vote for ANY Democrat or Republican EVER AGAIN!
Lets face the facts THEY LIE FOR A LIVING!! EVERYONE thats votes for ANY Democrat or Republican voted to get screwed even more!
America was once 50% of the world economy and look at the sad shape America is in right now!
Who was in DC making the laws that allowed all this to happen? The Democrats and Republicans made these bastardized laws. They got paid untold amounts of lobby money to write these bastardized laws and screw us all! They knew the money was dirty, they knew it was wrong, and they did it anyway for the dirty filty money!
The politicians are Flim Flam Men! They lie, cheat, steal, backstab, corkscrew, and dirty deal! They are criminals for God's sake and belong in those FEMA trailers out in the desert wearing ankle trackers and orange jumpsuits with the name of CONVICT!
Ok, our first clue is that "the BANKS have HIRED CONSULTANTS". Hahahahaha. Yeah, ok. And WE all just fell from a turnip truck. Hire an attorney- and pray that you get a judge who is smart and fair enough to make a LAWFUL decision. And, why these BANKSTERS have not been charged with TREASON yet, is beyond me- THEY have committed CRIMES against the American People !!!
I just received a notice from my lender that I do not qualify for HAMP or any other modification at this time. Their BS excuse…I didn't submit documents they requested in a timely fashion. That's a lie! I always submitted everything and anything they asked for if not within in hours but first thing in the AM the following day. I have been going through this battle since 2008 even though my own lender lost my payment in 2007. They said they could help me lower my rate and add principal t it. I have a 7.35% interest only loan $400K! Insane, right! since they took their time in working my file my home fell into foreclosure in August of 2007 just a few months after my baby was born. And now I'm stuck with nowhere to turn. Nothing saved anymore, ruined credit and I have NEVER been offered trial payments. This is absurd, scary, I'm livid! And unfortunately at the banks mercy… My home is almost $200K upside down. And they will not lower the principal so that I can keep my townhome with my child!
What about all of us that didn't go to forclosure but were none the less brutalized by the loan servicers when we applied for a loan modification, short sale, deed-in-lieu, etc.? These organizations have been getting away with murder. They have blatently ignored the spirit and the letter of the plans established by the government to help those of us devistated by these incredibly difficult economic times with impunity. What happened to the concept of justice. I have lost everything including my 401k retirement funds and still Wells Fargo won't do the right thing. I have a buyer for a short sale (not even that short) and before it is all over WF will cause them to withdraw their offer. These programs were supposedly developed to help people, not banks. But how many have actually recieved help? Please! The writing has been on the wall in big bold letters for years now. I have always played by the rules. I guess no good deed goes unpunished and no evil doings go unrewarded.
I "truly" do not understand how EVERYONE knows the banks
are "raping" the homeowners and yet they are continuing to get away
with blatently destroying lives. It is unbelievable and criminal.
I have been trying to save my home for 2.5 yrs - and now I realize the
only option is to hire a lawyer - which I should have done 2 yrs ago.
I, of course, don't trust them either but what choice do I have - hope that the lawyer is not a crook. If I give up - the bank wins - so I am going to the bitter end.
You can blame the bankers all you like. The fact remains that if "OUR" elected officials both Democrat and Republican had not bastardized the laws allowing the robber baron bankers to do this, none of this would have ever happened. Our elected officials knew the lobby money they took to bastardize the laws was dirty, they knew what they were doing was wrong, and they rewrote all the laws for the dirty filthy money.
So every vote for ANY Democrat or Republican is a vote to get screwed even more! America was once 50% of the world economy and look at America now! Broke, the national debt run past the moon, and these criminal politicians can't even reach an agreement to cut the spending anywhere!! Their "Super Committee" failed, they failed before that with the debt crisis, and said their "Super Committee" would fix it. What did they fix?? Not one damn thing!!!
Commenting on this story is closed.
Foreclosure Crisis: Banks and Government Fail Homeowners
Banks and the government have fallen short in helping homeowners in danger of foreclosure.
The Story So Far
Systemic failures at the country's banks and mortgage servicers have exacerbated the most severe foreclosure crisis since the Great Depression, and government efforts to limit the damage have fallen short. ProPublica created an unrivaled database of homeowners who have faced foreclosure, opened a Facebook page to encourage homeowners to share their stories, wrote profiles of some of them, and incorporated their experiences into our reporting. We also provided a comprehensive rundown of the numbers behind the crisis.
Latest Stories in this Project
- Bank of America Lied to Homeowners and Rewarded Foreclosures, Former Employees Say
- For Most Homeowners, Gov't Foreclosure Deal Brings A Few Hundred Bucks
- Feds Replace Flawed Foreclosure Review With Vague $8.5 Billion Settlement
- As Foreclosure Crisis Drags On, So Does Flawed Government Response
- Cheat Sheet: BofA Supplied Default Answers for 'Independent' Foreclosure Claims Reviewers

subset: commoncrawl


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Children & Youth: Building tomorrow today
As young people mature, the decisions they make have an enormous impact on their families, their communities and our world. But growing up surrounded by poverty, war or in the aftermath of disaster increases their risks and limits their choices.
That's why giving children and youth the right support at this most critical time is essential to building tomorrow's strong, productive communities.
When disaster strikes, young children are especially vulnerable to developing emotional and social problems that can jeopardize their futures. Mercy Corps worked with experts to design our signature Comfort for Kids program that helps children process their trauma and recover through play, sports and art activities. See our expert's recommendations for how parents and caregivers can help children through times of crisis ▸
For adolescents faced with violence, early marriage and interruptions to schooling, we provide opportunities for community involvement, vocational training and life skills development. Our goal is to empower youth in the toughest places to make smart life choices and invest their energy in developing solutions to their countries' biggest challenges.
All stories about Children & Youth
Iraq: "Disability does not stand between a man and his aspirations"
"Disability does not stand as obstacle between a man and his aspirations. The real disability is the disability of will and determination," 21-year-old Hassan told me.
Egypt: "Our work as young Egyptians has just begun"
While post-revolution euphoria and optimism linger on the streets of Cairo, one particular question hangs thick: what comes after a revolution? As Egyptians celebrate new opportunities for political and economic reform, they also fear the uncertainty of what comes next.
Egypt: A day with the ladies in Upper Egypt
Egypt's Sohag governorate sits approximately 475 kilometers south of bustling Cairo. The quiet region offers a stunning blend of just about everything — desert, mountains and lush greenery, all while perched on the magnificent Nile.
Haiti: Video: Art Therapy in Haiti
Japan: Starting Comfort for Kids in Japan
Japan: Q&A with Peace Winds' Natsu Nogami
Japan: Helping the Japan tsunami's littlest survivors
The youngest survivors of disasters are often the most resilient, but also the most fragile. While earthquakes and tsunamis rob children of the same things that most adults hold dear — homes, families, friends — kids lack adult coping mechanisms. The emotional toll can be devastating.
Yemen: Helping youth connect to opportunity in Yemen
Umelto (Alto) Labetubun is Mercy Corps' representative in Yemen, our newest country program. Originally from Ambon, Indonesia, Alto began working for Mercy Corps in 2000, when his home island was rocked by a sectarian conflict that killed thousands and displaced more than a half-million people.
Iraq: Reclaiming a place for Iraqi youth
For many years, there was a very bad place in the middle of Kalar, Iraq. It had no name, but all kinds of malice and misfortune spread from it, spilling into the surrounding neighborhoods.
Egypt, Lebanon, West Bank and Gaza, Yemen: How we're helping transform the Middle East
The recent uprisings in Tunisia and Egypt — and their ripple effects across North Africa and the Middle East — have reminded the world how powerful young people can be.


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Further to my column on the bad smell emanating from Groupon's S-1 filing for an initial public offering, more details are emerging of how Groupon has been buying growth and the past business ventures of Eric Lefkofsky, its chairman.
Fortune has an article on how Mr Lefkofsky and Brad Keywell, his business partner, have launched other businesses that have grown rapidly and then run into trouble – and have taken out money through share offerings.
Meanwhile, Sarah Lacy at TechCrunch reports on the turmoil in Groupon's international businesses, especially in China. As Sucharita Mulpuru of Forrester Research points out, much of Groupon's growth comes from international acquisitions.
One thing this reminds me of, however, is the value of listings requirements and public market disclosure. In a world where late-stage technology investments are increasingly made through private markets such as SecondMarket and SharesPost, there is nothing like an IPO to bring awkward details into the open. Read more


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GearJaguars franchise Marcedes Lewis
Posted by Michael David Smith on February 23, 2011, 4:25 PM EST
We noted this morning that the Jaguars were likely to use the franchise tag on tight end Marcedes Lewis. Now its official.
The Jaguars have announced that they have placed the franchise tag on Lewis, meaning hell get a one-year tender offer worth about $7.3 million.
Lewis and the team have both expressed interest in getting a long-term deal done. The 26-year-old Lewis arrived in Jacksonville as a first-round draft choice in 2006 and isnt expected to leave any time soon.
In 2010 Lewis started all 16 games and had career highs in catches (58) yards (700) and touchdowns (10).


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THE family of a man who died while walking from Gisburn to Barnoldswick, has donated £800 to the rescue teams that helped find him.
John Rayton, 70, from Preston, went missing on November 15 last year.
When he did not come home, the Rossendale and Pendle Mountain Rescue Team joined up with the Bowland Pennine Mountain Rescue Team and other search and rescue groups from across the North West.
His body was found five days later near Rimington.
Mr Rayton's family and friends collected donations in lieu of flowers, raising £800 which was shared between Rossendale Pennine Mountain Rescue, Bowland Pennine Mountain Rescue and Bolton Mountain Rescue.
His daughter Janette Rayton said: "It was the least we could do with how much mountain rescue teams did to try to find my dad."
Pete Goble, team leader of RPMRT, said: "The team relies on donations in order to function on a day to day basis.
"We would like to thank the family for this generous donation."
Rossendale and Pendle Mountain Rescue Team is a charity made up entirely of volunteers.
The team is called out via the 999 system and carries out search and rescue duties over 350 square.


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sylvia bours Archives
Phoenix Fashion Week 2011: Saturday Night Recap
October 10, 2011 by in Events
Bravo, Brian Hill; Phoenix Fashion Week 2011 was spectacular this year, making Talking Stick Resort the place to be this past weekend. And Saturday night rounded out the weekend with fabulous head-turning fashion and show-stopping pieces from both local and nationally-acclaimed designers. Even the new face of Prada's fall 2011 campaign was present, Kelly Mittendorf,… Read More →


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Chemistry has made countless contributions to enhancing modern life by making it more comfortable, safe and prosperous.
Chemistry is a physical science that studies atoms, molecules, crystals and other aggregates of matter. Understanding the basic properties of matter and learning how to predict and explain changes are what chemistry and chemists are all about. Chemistry can be very specialized, dealing with the composition, behavior, structure and properties of matter, as well as changes that occur during chemical reactions.
The Chemical Sciences, Geosciences, and Energy Biosciences Division (CSGB) in the Department of Energy's (DOE) Office of Science supports chemistry. CSGB is also involved in DOE's exciting new Energy Frontier Research Centers and Innovation Hubs. DOE funds approximately 20% of fedderally-funded chemistry research and is the largest source of funding for chemical engineering, sponsoring 40% of all federally funded research in that field in 2007. Over the years, 26 researchers associated with DOE have been awarded a Nobel Prize in Chemistry for their work.
When you think of the U.S. Department of Energy (DOE), what do you think of? The national laboratories? DOE's leadership role in reliable, clean and affordable energy? Scientific discovery and innovation? Nuclear security? DOE has a role in all of these things, and more. Now, do you think about DOE's connection with higher education? Probably not, but we want to change that.
EDUconnections is a year old project, and through it we celebrate our university partners, spotlighting a different higher education institution every month.
Ever wonder what innovations OSTI is developing to keep you informed while you are on the go? No need to ever wonder while you wander.
Now you can get DOE R&D full-text reports, OSTI news, videos and more while you're on the move.
The new OSTI.gov mobile web page allows you to:
• Get full-text DOE R&D from Information Bridge
• Read the latest news in our RSS feed (see image);
• View our YouTube videos;
• Read our award-winning blog
• Visit us on Facebook and Twitter
Visit http://m.osti.gov/ to test drive or take it on the road with your mobile device.
Doug Bales
Technical reports and journal articles are both used to report the results of research and development projects. There are differences between the two that are driven by the objectives of each form of reporting.
The primary objective of journal articles is to report results of experimental and/or theoretical scientific investigations to enhance the body of scientific knowledge. This is the primary way that (1) science advances and (2) the scientific community communicates among its members and practitioners. Typically, there are space limitations prescribed by the journal publisher that limit the length of journal articles usually to only a few pages. Journal articles are almost always subjected to a rigorous peer review process before they are accepted for publication.
My mother died in March 2010 after a 15-year battle with Alzheimer's, so I pay particular attention to news about this dreadful disease. A recent New York Times article caught my eye: "Sharing of Data Leads to Progress on Alzheimer's."


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Banks 64 Aleutian Class — By Capt. Bill Pike
— January 2002
The Next Generation
|Cruise farther, faster, and more stylishly than ever before.
In a way, Long Beach, on the salty fringe of Los Angeles, is a paradoxical place. Home to hundreds, perhaps thousands, of thoroughly modern military, commercial, and recreational watercraft, it also shelters a veritable icon of seafaring tradition, the Queen Mary. Indeed, as the majestic old Cunarder faded into my rear-view mirror, lost in the mad scramble of California's morning rush-hour traffic, it struck me that Long Beach was probably the most appropriate venue imaginable to wring out Grand Banks' new flagship, the 64 Aleutian Class yacht. A thoroughly modern amalgam of American design, Far Eastern boatbuilding, and top-shelf equipage, the Aleutian yet retains an august air of teaky seafaring tradition, undoubtedly in deference to Grand Banks' long, proud heritage.
I got my first look at the Aleutian behind the offices of Stan Miller Yachts, the Grand Banks dealership in Long Beach. She was lying alongside a face dock with her dramatically flared bow–the first such bow I'd ever seen on a Grand Banks–pointed toward the Pacific. I studied her profile: While the faux carvel planking below her shadow rail was reminiscent of earlier models, almost every other element seemed either new or faintly different. Most notable was the raised pilothouse format–a first for Grand Banks, excepting the old Alaskan series woodies–with a seaworthy Portuguese bridge and seriously elevated foredeck. But there were other first-ever features, like the radar arch, big superstructure windows, squarish ports in the hull sides, and the visor-like brow over the windshield, a signature touch from the boat's designer, Tom Fexas Yacht Design.
"Not your ordinary Grand Banks, eh?" noted sales rep Bob Phillips as we climbed the gangway. This observation, I soon discovered, was as true of the way the boat was put together as it was of her appearance. Teak decks, for example, were laid via a nifty new technique popularized by Florida's Teak Decking Systems–bungless planks are secured with "fitting epoxy," rather than screws that pierce and violate the integrity of laminates. Also, the windows were a far cry from what Grand Banks has been doing for years–larger, more stylish, and instead of framed with mahogany or teak, bedded in Sikaflex glazing compound in fiberglass recesses. The latter is another popular technique these days and one that nixes leak problems and offers designers a freer hand with window shapes.
Getting underway handed me yet another surprise: the near-panoramic visibility astern while maneuvering from the lower helm station. Having sea-trialed a few motoryachts in the 50-plus size range over the past year, most with limited visibility from this area, I was gratified to discover that while Phillips kicked the stern away from the face dock, he could easily eyeball the starboard quarter by simply turning to the right and looking back through the galley (with its long see-through openings beneath two athwartship banks of suspended cupboards) and the saloon. While his view of the port quarter was obstructed, primarily because of a tall TV cabinet in the aft, port-side corner of the saloon, he said future versions will offer a shorter cabinet, with a retractable TV.
Next page > Grand Banks 64 continued > Page 1, 2, 3, 4, 5, 6
This article originally appeared in the January 2003 issue of Power & Motoryacht magazine.


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The appearance of advertisements and product information on this site does not constitute an endorsement by Equipment World Magazine, and Equipment World Magazine has not investigated the claims made by any advertiser. Product information is based solely on material received from suppliers.
The Amulet HoeClamp is a pin-on, full motion thumb that fits most standard and extendable stick backhoes up to 30,000 lbs. Operated by bucket curl using Amulet's kidney link design, the HoeClamp requires no additional hydraulics on the backhoe. With the ability to grasp, dig and be stored away when not in use, the Amulet HoeClamp provides backhoe versatility. Applications include construction, rock handling, land clearing, demolition and excavation projects. Features include mechanical full motion thumb, easy pin-on installation, no additional hydraulics required, low vulnerability and heat treated pin set.


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Only Call 9-1-1 for Emergencies
Feb. 10, 2010
News Highlights
More Information
Fairfax County public safety officials remind residents that calls to 9-1-1 should only be for emergencies and life-safety issues.
Fairfax County is coordinating transportation for emergency personnel, health care workers and mission-essential staff. Call Fairfax County's non-emergency number, 703-691-2131, TTY 711, for emergency transportation to work at hospitals, health care facilities or other emergency service locations. Do NOT call 9-1-1.
A blizzard warning remains in effect until 7 p.m. tonight. A blizzard warning means severe winter weather conditions are occurring. The Fairfax County Office of Emergency Management strongly recommends that residents remain indoors where they are not exposed to current hazardous weather conditions. This is a life-threatening situation for anyone who becomes stranded. Falling and blowing snow with strong winds will create whiteout conditions making travel extremely dangerous.
Check the Fairfax County Weather and Operating Status page for the most current updates on decisions regarding county facilities. As information comes in, it is posted.
Fairfax County encourages residents to take measures for personal and property safety during the ongoing snow emergency.
Snow and Roof
- Evacuate if you notice any warning signs of roof distress.
- Do not attempt to clear the snow off a roof; do clear roof downspouts and drains.
Call 9-1-1 if the roof has collapsed.
Avoid driving. If you must travel:
- Do so during daylight, drive slowly and use main roads.
- Carry a cell phone for emergency use.
- Inform someone of your route and when you expect to arrive.
- Clear snow and ice from all windows and lights – even the hood and roof – before driving.
- Leave room for maintenance vehicles and plows – maintain a safe stopping distance and don't pass on the right.
Don't use your cruise control in wintry conditions and don't pump
anti-lock brakes. It's recommended to "stomp and
Caution should be used with any approved (UL or FM listed) auxiliary
heating devices. Keep combustibles away from all portable heating
devices, monitor their use and don't leave them unattended.
With many in Fairfax County without power, residents are encouraged to
check on their neighbors, especially the elderly. If a neighbor is
without power and you have power service, please help as possible. Do
not call 9-1-1 for information on the restoration of power; call your
local provider:
- Dominion Virginia Power: 1-888-667-3000
Northern Virginia Electric Cooperative (NOVEC): 703-335-0500 or
toll-free 1-888-335-0500.
If you clear snow be careful to avoid overexertion. Intense exertion
from shoveling snow, combined with low temperatures can potentially
cause heart attacks and injuries. Stay hydrated while shoveling.
- Hypothermia — If you see an unsheltered person at night who may be at risk of hypothermia, call Fairfax County's non-emergency phone line at 703-691-2131.
Stay Informed
Emergency information is available on Fairfax County's Web site, Facebook, Twitter, emergency information phone line (703-817-7771), the Community Emergency Alert Network (CEAN) and on Fairfax County Government Channel 16. In addition, 1670 AM, emergency radio for Fairfax County, is broadcasting continuous weather information directly from the National Weather Service.
Additional winter weather preparedness information can be found online
Contact: Merni Fitzgerald, Director, Office of Public Affairs
703-324-3189, TTY 711, Media Pager: 703-324-NEWS (6397)
To request this information in an alternate format, call 703-324-3187, TTY 711


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design, model, present, analyze, realize...
A photographer's guide including diverse examples -- from clear product shots for advertising layouts to abstract color-and-shape studies.
by Roger Hicks, Frances Schultz
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Did you know?
Noria Mabasa's 2.8m tall carving The Flood is on permanent display at the Sandton Convention Centre in Johannesburg.
Travelling through the northern part of Limpopo is different to travelling anywhere else in South Africa. It's not just the lush and distinctive landscape that sets Venda apart, it's the area's unique traditions and culture, which find ready expression in Venda art.
Venda art encompasses a range of genres and media, with artists producing paintings, etchings, sculpture, woodcarving, beadwork, pottery and textiles. Much of the art in this province draws on the culture of the Venda people. This culture is steeped in myth and legend, with stories, dances and rituals continuously breathing life into old traditions.
Significantly, these traditions are not just about the past; they also speak to the present. Artists in Venda play an important role in exploring the interactions and creative potential of Venda culture in the context of modern-day South Africa.
One of the best ways to learn about Venda art is to visit the area and interact with some of the artists. While many of them are amongst the most respected in the country, you will find them working at home studios, or at art centres, ready to talk to you and share their work.
The best-known Venda art route is the Ribolla Art Route, but bear in mind that it simply presents a range of options that you can combine to explore the area's artistic treasures. Details change, artists move away and the only guarantee you have is that you will be surprised at what you discover on your travels through Makhado, Elim, Giyani, Thohoyandou and the surrounds.
Artists you may meet while travelling in Venda include Noria Mabasa, who works in the riverside village of Tshino, Thomas Kubayi, from Tshivhuyuni village, and Justice Mugwena, who sells his work at Thomas Kubayi's studio.
At the Thohoyandou Art and Culture Centre, you may meet Avahashoni Mainganye and his students. About an hour out of the city, you can also visit famous potters Rebecca Mathibe, in the village of Mufulwi, or Grace Nekhavhani, who lives in Vhurivhuri.
Travel tips & Planning info
Who to contact
Ribolla Art Route Manager
Daniel Khosa
Tel: +27 (0)72 235 4543
Email: email@example.com
Vhurivhuri Camp
Christopher Nethonzhe
Tel: +27 (0)76 302 9383
How to get here
The Ribolla Art Route is best accessed from Elim, not far from the town of Makhado in the northern Limpopo province.
Get around
While you can drive yourself through Venda, to make the most of your time there it is advisable to hire a guide who knows the area, its customs and the artists working in it.
What will it cost
Hiring a guide for the day costs between R400 and R600.
Where to stay
There is a great community-run campsite in the village of Vhurivhuri that is a good, budget-friendly base from which to explore the area.
What to eat
Sample some traditional Venda dishes, including those made from Mopani worms and flying ants, along with the area's plentiful fruit and vegetables.
Best buys
Venda is best known for its wood carvings, drums and pots.


text:
Where did all the information about her techniques come from? --ShounenSuki 22:34, 19 December 2008 (UTC)
Would a better name for crystal prison be "Crystal Release, Giant Crstal Darts"? "Crystal prison" doesn't really go with the anime, and it didn't look like Goren was trying to imprison Kabuto...--NejiByakugan360 22:42, 19 December 2008 (UTC)NejiByakugan360
Dear, Kesshou no Kakurou wasn't used in Shippuuden 89 but in Shippuuden 87, in the preview. The technique in 89 is listed as Crystal Release: Snowflake Shuriken. --Shinsaku 22:45, 19 December 2008 (UTC)
Hehe, i know, I am the one that sort of came up with the name snowflake shuriken and put it on narutopedia...thanks alot though--NejiByakugan360 22:48, 19 December 2008 (UTC)
P.S. Do you at least agree with the name i figured out? I'm not sure if it is too good...--NejiByakugan360 22:50, 19 December 2008 (UTC)
Woops, I made a mistake X'D You meant the technique she used with the falling crystal thingies. I didn't get that. I'm fine with Giant Crystal Darts, though. --Shinsaku 22:55, 19 December 2008 (UTC)
So can we change it?--NejiByakugan360 22:58, 19 December 2008 (UTC)
Ofcourse :'D --Shinsaku 23:10, 19 December 2008 (UTC)
I'm sorta new at this stuff, so could you change it? Thanks!--NejiByakugan360 23:17, 19 December 2008 (UTC)
- New question: Which of her techniques have been named in the anime? The Japanese Wikipedia only lists Crystal Release: Crystal Pentagonal Prison. --ShounenSuki 10:10, 13 January 2009 (UTC)
- I believe they follow the same principle of "observe what the the technique is, give it a name based off that", and I cite the simplisitc Crystal Release: Snowflake Shuriken as proof of this as the image clearly shows Guren's unique crystals being used as shurikens shaped as snowflakes. All except for Aqua Fissure Bombardment. I don't follow that one at all.--TheUltimate3 14:07, 13 January 2009 (UTC)
Crystal Release
We currently have no information about her techniques: it is mostly just guessing. That's why there are so many 'it might be's' and so on in the articles about her techniques. It are all theories, but since we may indicate we are getting information about the topics soon, the pages where created at forehand. (And sorry if you don't understand me 'cuz my English sucks). --User:Shinsaku 22:38, 19 December 2008 (UTC)
- What about that Crystal Release? Is that speculation as well? --ShounenSuki 22:41, 19 December 2008 (UTC)
Crystal Release is not entirely speculation: we saw a preview of the upcoming arc in Shippuuden 87, and there Goren used a technique called Shouton: Kesshou no Kakurou (Crystal Release, Prison of Crystals or something like that). Now it was my theory Shouton could be a mix of Doton and Raiton, so I put that on the article - as a theory.--Shinsaku 22:46, 19 December 2008 (UTC)
well, i definitely know it has to deal with earth style chakra, but im not so sure about lightning. At first, I thought it cud be earth and ice, only ice is a mixture of water and wind. But since crystal release seems pretty rare and extrodinary, maybe this might be a jutsu where it involves more than two chakra natures together. --AMTNinja 18:49, 22 December 2008 (UTC)
ok i did some research and it appears the there's another word for crystal in japanese. It's called suishou. Sui meaning water, obviously! (suiton=water release). So I came to a conclusion, that shouton will MOST likely involve water style chakra! plus, another piece of possible proof is when they show guren creating crystals from water in the opening of shippuden 90! So yeah, this is just a theory, but so far i think we can safely bet that water might be part of this crystal jutsu. Just don't add it on until we are sure! --AMTNinja 04:14, 29 December 2008 (UTC)
Crystal Release: Crystal "Pentagonal" Prison
Where did the part "Pentagonal" come from? In all episodes, she says Crystal Release: Crystal Prison. I think we'll need to change the techniques name to its original form.--NejiByakugan360 01:23, 12 January 2009 (UTC)
- I changed that technique's name. Guren calles it Shōton: Kesshō Gokakurō (晶遁・結晶五角牢).
- Shōton (晶遁, Crystal Release)
- Kesshō (結晶, Crystal)
- Gokaku (五角, Pentagonal)
- Rō (牢, Prison)
- --ShounenSuki 01:40, 12 January 2009 (UTC)
she can't use eight gates because when she open the 8 gate she have died but she is alive
- "However, some people such as Guren, can open two separate gates (Gates of Life and Death), and not in order from one to eight." so that means she only opened 2 different gates, without opening then from 1 to 8 --Windguard (talk) 12:20, 26 April 2009 (UTC)
So... what's her name? Goren or Guren? Does anyone have the kanji/kana of her name? --ShounenSuki 18:17, 22 December 2008 (UTC)
well, in the episode they spelled her name as Guren, but Goren is correct to. it all depends on how u prfer! its just like "shippuden" and "shippuuden" --AMTNinja 18:20, 22 December 2008 (UTC)
- It doesn't work that way. "Shippuden" is simply "shippūden" without the macron. The macron denotes a lengthened vowel, which is written out completely in "shipuuden". This is why "shippuuden" and "shippuden" are the same.
- This doesn't work for "Goren" and "Guren" as the vowels are completely different. --ShounenSuki 18:24, 22 December 2008 (UTC)
u completely miss the point.... im saying its all on how u prefer it, considering goren and guren are both the same.
- No, you're missing my point. Goren and Guren are not the same. --ShounenSuki 18:29, 22 December 2008 (UTC)
- Japanese doesn't work like that. The character for "gu" is not the same as the one fo "go". If you still don't get it, listen closely to the way Kabuto pronounces her name; he clearly says goo-rehn, not gore-ehn. LapisScarab 01:03, 23 December 2008 (UTC)
Well lets see how this breaks down. First note, fansubs are bad decider's on how to spell things, that being said I believe dattebayo uses "Guren", afact, I have absolutely no clue where "Goren" came from, her name is clearly pronounced as "Guren".
Is there even a word in japanese with the romaji "Goren"? I have no clue if there is, however, I do know for a fact that the word Crimson (グレン, Guren) exists in Japanese (Gurren Lagann).
So, for now I'm moving the page to "Guren", because no-one has given a citation to Goren. "Guren" has been used by one group, it matches the pronunciation of the name, and it actually exists as a word in japanese. However, until we get some sort of actual kanji or the like, we might want to leave "crimson" out of the article. ~NOTASTAFF Daniel Friesen (DanTMan, Nadir Seen Fire) (talk) Dec 22, 2008 @ 18:42 (UTC)
yeah, in all the episodes ive cheked they havent once used goren, and yeah, guren sounds eexactly as its pronounced and has a literal meaning. --AMTNinja 18:46, 22 December 2008 (UTC)
- This can be easily solved once and for all. She has already appeared in an episode, right? All we need to do is check that episode's end credits. --ShounenSuki 18:53, 22 December 2008 (UTC)
u do that... then maybe we can settle this --AMTNinja 18:54, 22 December 2008 (UTC)
- Do you happen to know where I can find a decent quality episode on-line? --ShounenSuki 18:56, 22 December 2008 (UTC)
theres actually quite a few! dont use youtube thats for sure! try dignaruto.com or tailedfox.com! those are two that i know that have or had great quality, check those out! --AMTNinja 18:58, 22 December 2008 (UTC)
- Thank you ATMNinja. Guren's name is... Guren (紅蓮, Literally meaning: red lotus flower). Her seiyū is Eri Miyajima (宮島依里, Miyajima Eri), by the way. --ShounenSuki 19:44, 22 December 2008 (UTC)
Dear people, the reason why I thought her name was Goren was because they spelled it like that on Wikipedia.. probably a Wikipedia typo though.--Shinsaku 20:00, 22 December 2008 (UTC)
Hmmm, trivia note? I get "Crimson Lotus Flower" from the dictionary for (紅蓮, グレン). ~NOTASTAFF Daniel Friesen (DanTMan, Nadir Seen Fire) (talk) Dec 22, 2008 @ 20:49 (UTC)
If they put Goren, why change it... Even if Guren means something...
ok, I just added new images to Guren and Snowflake Shuriken! I can't seem to find crystal prison, but if anyone else has that pic, ten please feel free to put it on ther! --AMTNinja 19:34, 22 December 2008 (UTC)
It is in Episode 87. --Shinsaku 19:46, 22 December 2008 (UTC)
i know wat episode its in, i just cant find a pic of it --AMTNinja 19:48, 22 December 2008 (UTC)
I guess I'll bring up an image then.--Shinsaku 20:18, 22 December 2008 (UTC)
I've uploaded an image to every Jutsu of hers, hope they are good enough (: --Windguard 2:16, 26 April 2009 (UTC)
A not-logged in user has made quite an unusual edit to this article, changing Hunt for the Three Tails Arc in Hunt for the Three Tails Filler Arc. I changed it back since I don't think it is necessary to mention the arc is filler in articles like this. This information can probably be merged in the text itself, not in the titles. What do you think about this? Shinsaku 17:50, 26 December 2008 (UTC)
More Info
Here's the translation of her article on http://www.tv-tokyo.co.jp/anime/naruto/chara.html
Guren (紅蓮)
Endowed with beauty, power, and cruelty, she's a female leader of Orochimaru's subordinates. Infatuated with Orochimaru's strength, she's devotedly loyal to him. Three years ago, she made a name for herself by being a candidate vessel for Orochimaru, but because his symptoms suddenly worsened, she couldn't make it to the selection grounds in time. Something she still regrets. She was made the prison guard of a remote hideout, but now she has been personally chosen by Orochimaru for a mission.
Incidentally, she and Kabuto have a terrible relationship.
She uses the rare "Crystal Release" (晶遁, shōton) technique, allowing her to turn anything into crystal. With this, she trifles with Kakashi and co.
--ShounenSuki 19:42, 27 December 2008 (UTC)
Guren Image
Image:Guren.jpg Ok, I added a picture, which I think should be displayed as her main, as it shows her in the light and not in the dark. —This unsigned comment was made by NejiByakugan360 (talk • contribs) on 15:28, March 10, 2009.
- There are a few issues with that image:
- It lacks proper image tagging (the other image has proper tagging, so unless this is resolved the image cannot be replaced)
- It is lower in quality than the other image (I'm sure a higher quality image can be captured)
- The fact that Guren is facing to the right looks fairly awkward in the left facing infobox.
- ~NOTASTAFF Daniel Friesen (DanTMan, Nadir Seen Fire) (talk) Mar 12, 2009 @ 17:23 (UTC)
Presumed Deceased
Um, if she was deceased, then the crystal she is in encased in would have shattered also... She probally will be at the bottom of the lake forever.. but she is not dead. 184.108.40.206 (talk) 19:26, 29 May 2009 (UTC)
I doubt they'll leave her at the bottom of the lake, but yeah, definitely not dead.
- I agree. Watch her just come back and kick the crap outta Kabuto. ^-^ 18.104.22.168 (talk) 03:45, 31 May 2009 (UTC)
- Sadly in A Place To Return to shows you that she is really... [not gonna ruin it]. So if u agree 'Presumed Deceased' should be removed. Please change. And no Deidara and Tobi arrives. And does there normal shenanigans. --Hamachi1993 (talk) 15:09, 4 June 2009 (UTC)Hamachi1993
Gurens Age
Guren is still alive, she was about 10-15 when she killed Yukimarus mother, and Yukimaru was about 5 at the time, and is about 10-15 now, so Guren would be from 15-30, so she would most likely be 20-25. —This unsigned comment was made by Dragon Hacker (talk • contribs) on 18:26, June 8, 2009.
- We don't speculate on age ranges like that. If it wasn't listed in the databooks or directly stated by the series we don't list it. ~NOTASTAFF Daniel Friesen (DanTMan, Nadir Seen Fire) (talk) Jun 9, 2009 @ 02:04 (UTC)
Since we're considering Crystal as Earth plus something else in the nature transformation page, this means we have to add it to her chakra natures right? Omnibender - Talk - Contributions 18:59, October 21, 2009 (UTC)
Isn't this speculation? There are no cannon references (that I know of) that state she has earth release.
Read the article for Crystal Release, explanation is there. Omnibender - Talk - Contributions 14:45, January 22, 2010 (UTC)
When it is revealed that Dust Release is made of Wind + Earth, she's getting Lightning! D: 220.127.116.11 (talk) 01:30, November 17, 2009 (UTC)
No she doesn't that is no more than speculation on a non-canon element fusion.Saimaroimaru (talk) 10:56, December 8, 2009 (UTC)
Does the word 'guren' (crimson lotus flower) has any symbolic meaning? It is used in different manga/anime quite often and not as a reference to a flower. Here's it in a chapter name: [1] and the chapter is about fire. --Kiadony (talk) 09:04, January 14, 2010 (UTC)
- Good question. The colour of the crimson lotus flower is often compared to the colour of roaring flames. One of the Naraka, the seventh of the eight cold Naraka, is called the Crimson Lotus Naraka in Japan, because the extreme cold there cracks the skin of those inside it, leaving their skin raw and bleeding and coloured like the crimson lotus.
- There might be more symbolism and mythology surrounding the crimson lotus. It's worth looking into, methinks. --ShounenSuki (talk | contribs) 09:19, January 14, 2010 (UTC)
Does somebody know who is making the stats ... i mean he/she should make stats for Guren because we have seen almost all of her jutsus and i think that that is enough for making the stats... If somebody like Dan ( Tsunade's lover ) has stats-(we doesn't know any of his jutsus and abilities) than.......... Ƙἶƙἶ մƈհἶհმ (talk) 12:21, May 24, 2010 (UTC)
- The stats comes from the databooks, it isn't something we make up ourself. Jacce | Talk | Contributions 12:55, May 24, 2010 (UTC)
Oh..sorry i didn't know that......... Ƙἶƙἶ մƈհἶհმ (talk) 13:52, May 24, 2010 (UTC)
English voice actor
How does she have one? The dubbed episodes have not gone that far... ~ILmaster 23:05, November 28, 2010 (UTC)
What happened to all her jutsu in the text box? —This unsigned comment was made by 22.214.171.124 (talk • contribs) .
Very Tiny Interview with Erin Fitzgerald
GUYS, GUYS, GUYS, GUYS~!!!! GUESS WHAT!?! After I watched the English dub for the new Naruto Shippuden 89 episode, I went to Erin Fitzgerald's deviantART account and used my very own to comment about her on Guren! And she answered me~! This how the converstation went:
Me: Hey, Miss Erin Fitgerald! I just saw the first episode where you voice for Guren in Naruto! Gotta say, I like your voice for her!
I'm also looking forward to hearing your voice for the new name Catherine coming on in a couple of weeks! Keep up the good work!
And if I may ask, what was voicing for Guren like? Did you enjoy it, though you voice for a bad person who was slightly insane?
Erin Fitzgerald: really? That's awesome!!!!!!! i'm so excited! I want to see it! i actually think that's some of the best acting i've ever done. but hard to judge without seeing it.
Guren is a complex soul with a heavy journey. I loved playing her. LOVED IT!
And Catherine is HILARIOUS but in a dark way. I had so much fun for that!
She describes Guren perfectly~! And she even added me as a friend and changed her avatar to Guren~! I'm so happy. Okay, I'm done. You are free to remove this because of fangirlishness. But you know, if possible, it'd be cool to put in what Miss Erin said about Guren in her article. Just wanted to point that out.--NinjaSheik 18:24, July 15, 2011 (UTC)
Team Guren Symbol
Can we put that the white lotus on the back of her coat as the symbol for team guren since we've haven't seen any others? Joshbl56 (talk) 16:01, September 30, 2011 (UTC)
The Telescope Technique
Why the Telescope Technique isn't in her infobox? It is because have bugs?--PlacidoNB | Talk | Contributions 03:42, May 18, 2013 (UTC)
A settei states that when she was. Kid she was 150cm add somewhere please. Munchvtec (talk) 07:20, February 23, 2014 (UTC)


text:
Bodegas Portia
Norman Foster & Partners
Ribera del Duero, Spain
The Bodegas Portia is located in the Ribera del Duero, one of Spain's foremost wine-producing regions, approximately 150 kilometers north of Madrid.
The project was an opportunity to look at the building type,
using the natural topography of the site to aid the winemaking
process and create the optimum working conditions, while reducing
the building's energy demands and its visual impact on the
The winery is designed to take advantage of the sloping terrain,
using gravity to aid movement of the grapes within the building,
maximizing efficiency and minimizing damage to the grapes. The
concrete structure is clad in shingles of Corten steel.
The building's trefoil design expresses the three main stages of production: fermentation in steel vats; aging in oak barrels; and finally, aging in bottles. These are controlled by an operations hub at the core.
The wings containing the barrels and bottle cellar are partly
embedded into the ground to produce the most favorable
environmental conditions for aging the wine, while the fermentation
wing is exposed, allowing carbon dioxide to be released. The
wineyard has a production capacity of one million bottles per
The site has extremely cold winters, as well as hot summers with limited rainfall. The deep overhang of the roof canopy provides shade and the building is designed to regulate the internal temperatures, at the same time as reducing energy demand.
By partly embedding the building within the landscape, its
visual impact is minimized and the passive environmental benefits
are maximized - the roof incorporates photovoltaic cells and the
thermal mass of the concrete structure helps to control interior
At the heart of the winery a raised public gallery extends into
glazed mezzanine areas, which project deep into each wing, allowing
visitors to enjoy elevated views of the different processes.
Between the wings is a light-filled public reception and
administration area, where extensive terraces and pools of water
overlook the vineyards. Lined with deep-stained old wine barrel
slats, the public areas are designed to evoke the rich tradition of
winemaking in the region.
/Norman Foster
Bodegas Portia is our first winery, so we had no preconceptions about how it should work. It was an opportunity to start from first principles - to examine the different stages of wine production and to try to create the ideal conditions for them to unfold. The wine was the starting point, as well as the beautiful setting in Ribera del Duero. Using materials that draw on the region's winemaking traditions, with public spaces open to the landscape, will enhance the visitor experience.
Facts about Bodegas Portia
Site area:
400 ac
Gross area: 12,500 m2
Design Team:
Norman Foster
David Nelson
Gerard Evenden
Pedro Haberbosch
Nadine Pieper Bosch
Ana Agag Longo
Juan Gabriel La Malfa
Luca Latini
Chris Lepine
Emanuele Mattutini
Josep Mercader
Jaime Valle
Structural Engineer:
Mechanical and Electrical Engineer:
Quantity Surveyor:
Lighting Consultant:
Claude Engle
Project Manager:
Local Architect:
Main Contractor:
Faustino SL
Photographed by Thomas Mayer
Last updated: December 19, 2013
See also
Hotels: Aire de Bardenas Hotel
Blog: From Santiago de Compostela to Porto, Murcia, Alicante and Valencia...
Siza, Souto de Moura, Moneo, Calatrava and Barraga,
Blobwall Pavilion
Los Angeles, California, USA
Louisiana Manifest
Humlebæk, Denmark
Jean Prouvé: Three Nomadic Structures
Los Angeles, California, USA
Jean Prouvé: Tropical House
Los Angeles, California, USA


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