text:
Gender Preferences for Children in Europe
Gender preferences may have substantial implications for a couple's fertility behavior. However, there is only limited empirical research investigating this subject in modern Western societies. In this paper, data from the Fertility and Family Surveys are used to compare 17 European countries with respect to their gender preferences for children. Despite substantial regional heterogeneity across Europe, our results show a strong tendency towards a preference for a mixed sex composition (if there is any preference at all). However, we found some unexpected indication for a girl preference in the Czech Republic, Lithuania, and Portugal. Because socioeconomic conditions and family policies, which are important factors in explaining different fertility levels, are not related to a specific gender of children, we argue that cultural factors are of major importance for different gender preferences.
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Volume (Year): 2 (2000)
Issue (Month): 1 (January)
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| Web page: http://www.demogr.mpg.de/
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Jonathan Haughton & Dominique Haughton, 1998. "Are simple tests of son preference useful? An evaluation using data from Vietnam," Journal of Population Economics, Springer;European Society for Population Economics, vol. 11(4), pages 495-516.
- Hilke Brockmann, 1999. "Girls preferred? Changing patterns of gender preferences in the two German states," MPIDR Working Papers WP-1999-010, Max Planck Institute for Demographic Research, Rostock, Germany.
- Rodolfo Bulatao, 1981. "Values and disvalues of children in successive childbearing decisions," Demography, Springer;Population Association of America (PAA), vol. 18(1), pages 1-25, February.
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text: In Kenya, more than 65% of students abandon school after failing their primary school exit exams. Both text books and Internet materials are either expensive or simply unavailable. Eneza offers a platform that runs on mobile phones, both smartphones and basic phones. The initiative acts as a revision platform: students register with the Eneza mobile application, dial a local number, and then choose from a series of documented Q&A tests that raise their education level. They also receive feedback regarding their performance and can send specific questions to teachers that will be answered within an hour.

subset: commoncrawl


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Achieves human resources objectives by providing information, services, and employee support; maintaining records and databases.
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text:
Iris Shirtdress
Item: 1420900-009
A silky shirtdress with contrast banded collar to keep you in springtime perfection. Features optional waist-tie and patch pockets at chest.
- Length: 35.5"
- Bust: 37"
- Waist: 36"
- Bottom sweep: 43"
Customer Reviews
Fabric content: 50% Rayon 50% Polyester
Care Instructions: Machine wash cold inside out, do not bleach, tumble dry low, and warm iron if needed.


text:
Japanese summer
Summer in Nagoya is especially hot and humid! This year however, clouds are quite frequent, making august much more bearable than usual.
But if the weather changes, seasonal activities remain the same. I recently spent a weekend in Tokyo to meet friends and attend a beautiful fireworks. It was held in a park, nowhere close to any river, contrary to what I wrote last year...it might be the exception which proves the rule.
Anyway, the crowd was as amazing as usual. The gates had barely opened and people were already rushing inside:
Our goal: the tree in the middle of the lawn, where a spot had been reserved for us...
Some groups are perfectly equipped, with even inflatable sofas!
As for us, once sat down, we just had to wait for the latecomers:
And then enjoy the beautiful show:
Summer in Japan is also characterized by its open-air beer gardens, where the food (pretty bad to be honest) is only served for form's sake. It's still very enjoyable, because Japan does not have the sidewalk cafes culture and such occasions are rare. And after all, the goal is just to spend a nice moment between friends!
Last saturday, at Chuunichi building, right in the center of Nagoya:
9 comment(s)


text:
2nd June, 2010
Aston University engineering students will be showcasing a range of engineering models and products at the free Aston Inspired design show, from Wednesday, June 2 to Saturday, June 5.
The exhibition, at Woodcock Sports Centre at Aston University campus in Birmingham is an ideal opportunity to meet with up-and-coming engineers and to discover their wealth of creative work and innovation at first hand.
Members of Aston's Formula Student Team will also be showcasing the technology and manufacturing techniques they have used to create a car to compete in this year's UK university championships, later this year.
The Aston Design Show is being held at the Woodcock Sports Centre, Aston University, Aston Triangle on Wednesday June 2nd from 10am to 4pm, Thursday June 3rd from 10am to 2pm, Friday June 4th from 10am to 4pm and Saturday June 5th from 10am to 4pm.
For any further information, please visit www.astoninspired.com.


text:
In the summer finale of Pretty Little Liars, the girls ventured to Ravenswood in this jaw-dropping episode. Beware of spoilers moving forward.
On tonight's Pretty Little Liars season 4, episode 12 season finale, the girls received Magic 8 balls which warn that if Ashley (Laura Leighton) is set free, A is coming after them. As Travis declines to identify Ashley in a line-up, Ezra (Ian Harding) lusts after Aria (Lucy Hale) while in class quoting Shakespeare's The Tempest. A little much, don't you think? Aria meanwhile struggles between the pull of Ezra and Jake (Ryan Guzman), who does not have the same poetry tastes.
Caleb (Tyler Blackburn) comforts Ashley while the District Attorney decides to drop the charges against her. Paige (Lindsey Shaw) worries about Emily's (Shay Mitchell) safety and invites her to stay the night. Spencer (Troian Bellisario) continues to call Toby (Keegan Allen) after he disappeared after their fight at the hoedown.
Ashley goes out with Pastor Ted (Edward Kerr) just as the girls receive a doll worrying of Mona's (Janel Parrish) eminent demise. According to the news, CeCe (Vanessa Ray) is on the run and is guilty of killing Detective Wilden (Bryce Johnson). Do you believe this is true?
Spencer tries to contact Wren (Julian Morris) but discovers that his place is packed up as if he's ready to go. Meanwhile, Shana (Aeriel Miranda) is hiding out in Wren's apartment. Could she be the partner he called? Emily and Paige try to track down Mona with limited success.
Toby goes through his mother's stuff and ignores Spencer's pleas to help him. He finally is moved to call her when he discovers that Shana has Wren's new address, which happens to be Melissa Hasting's (Torrey DeVitto) flat in London. Toby decides to not pursue his mother's death in order to placate Spencer. Do you agree with his decision?
Jake and Aria's date ends early as he sleeps through the feature. She then goes to the brew and catches Ezra after the poetry reading. The two then discuss a past poem in a very formulaic love scene and kiss as Red Coat looks on.
Spencer demonstrates her magic skills as she uncovers A's latest trick. Spencer theorizes that A wants to put on an act for Rosewood. Toby trails Shana driving Mona's car while the Pretty Little Liars discover that a magic show is going on in Ravenswood. Looks like a field trip is in order.
Aria is selected by the magician to disappear, and after a moment of suspense, reappears without a scratch. It appears that the real trick was making Emily disappear. The Pretty Little Liars call Emily, who is hysterical and near the sawmill. The girls chase Red Coat, who leads them into the warehouse with Emily. They save Emily and discover that there are two Red Coats. Aria fights one Red Coat who is revealed to be CeCe before she falls seemingly to her death.
As the girls freak out over CeCe, she moves her fingers and disappears. Spencer shows the girls A's lair, which she believes Ali led her to. It is full of photos, timelines, and computers that monitor the Pretty Little Liars' whereabouts. Toby follows Shana to a bed and breakfast where she meets Mona. The girls discover a bank account which reveals that CeCe is an employee, not the head of it. Aria sees Wren on the timeline while Hanna sees men's clothing in the closet. It appears that A was also following Ali.
Mrs. Grunwald warns the girls about following Allison and wants to protect her. She reveals that Ali was afraid and was being threatened. Mrs. Grunwald has the gift of insight and helped save Ali on the night of her murder out of the dirt. Mrs. Grunwald apparently drove Ali to the hospital, and when she went to get help, she disappeared. Mrs. Grunwald warns them that they're being watched and that he is watching them.
Caleb gets on the bus to Ravenswood just as the girls receive the foreboding message. In the last few minutes it is revealed that Ezra followed the girls and went back to the lair. When do you think Ezra had time to become A? What do you think are his motivations?
What do you think of Pretty Little Liars season 4, episode 12? This episode had major reveals and completely flipped the series on its head. What do you think of Ezra as A? Have you processed this episode yet?
Pretty Little Liars resumes with its Halloween episode in Ravenswood on October 22 at 8 p.m. EST.
Photo Credit: ABC Family


text:
SMH > Home > Technology > IT News > Article
Tribute to an Aussie computer science pioneer
In response to the article, HP makes a calculated decision (11/11) it said that Reverse Polish Notation was developed by Hewlett-Packard based on work of the Polish logician Jan Lukasiewicz. In fact, RPN was invented by an Australian philosopher, Charles Hamblin, at the University of New South Wales in the mid-1950s.
He published his work in 1957 (twice) and again in 1962, where the notation is clearly called "Reverse Polish" notation. His invention was used in the English Electric Company's KDF9 computer, announced in 1960 and released commercially in 1963. In contrast, the first HP calculator to use RPN was only released in 1968.
These statements are fully documented in computer science literature. More details and full citations can be found on my webpages: http://www.csc.liv.ac.uk/~peter/this-month/this-month-3-030303.html
As an Australian, I trust you will publish this letter to ensure that the important contribution of Charles Hamblin to the development of modern computer science is not overlooked.
Dr Peter McBurney
Department of Computer Science
University of Liverpool, England
Worse for poor
I have just read Free trade at a price (11/11). I wholly agree with the author. But for developing countries, such as South Africa and others, this problem is far more worrying.
We now have the 50 years after the author's death tested in our copyright laws but no doubt pressure will be put on our country as well to extend the copyright term at some stage.
It will be extremely detrimental for the accessing of information and education in developing countries. Copyright is already causing so many barriers to information in the print and digital arena and extension of copyright will just make it that more difficult and longer to get into the public domain and the information will be more outdated and even irrelevant by then.
I am really hoping that Australia rejects the pressure from the US to extend its copyright term, so as to stop the pressure on other countries as well. Jordan, Chile and Singapore have already been "forced" into signing the agreement with copyright extension to 70 years but Taiwan has rejected it.
I look forward to hearing further debates about this matter and hope that Australia is not pressured into it by the US.
Denise Nicholson
Copyright Services Librarian
University of the Witwatersrand,
Johannesburg, South Africa
Spam cannable
With all of the uproar on spam in Next (18/11), I thought it might be worth pointing out that a program called K9 is a good quality free spam filter, for all POP3 email accounts.
Have a look.
Chris Neugebauer
Lindisfarne, Tasmania
Mac isn't fooled
Your World Digest section (11/11) included an item about Microsoft using the same IBM PowerPC chips in the next Xbox as are used in Apple Macintosh computers. The writer goes on to refer to "Microsoft's purchase of Connectix's Virtual PC software, which fools a Macintosh, for instance, into thinking it's a Windows PC".
Your writer must live in a Microsoft-centric world - I see no sign that my Mac is fooled by Virtual PC - it still runs reliably without a hiccup. In fact, Virtual PC fools Windows XP Pro into thinking it's running on an Intel or similar chip! There is a difference.
However, I have enough software to rarely use Virtual PC, well, except for eTax and some other specialist programs.
Stephen Nicholson
Port Macquarie, NSW
Bye bye BigPond
Back in the olden days (a year ago) when I had a dial-up internet connection, I had two accounts - an expensive fast one with BigPond, for quickly checking mail and getting off again, and a much cheaper, slightly slower one with TPG for when I wanted to stay online longer. BigPond was noticeably faster, even on dial-up, until one day my modem wouldn't connect to BigPond.
The Helpdesk said it was the fault of my modem, and their solution was to instruct me to configure my 56k modem so that it would connect at a maximum of 33.6. This indeed fixed the problem but for many previous months I'd been able to connect at 50k and continued to connect with TPG at 50k.
If the problem was at my end, why was it not a problem with the other ISP? I didn't stay a BigPond customer for long after that.
Thankfully, that's all in the past, as I'm now on Optus cable but the experience gives me empathy for your other correspondents who have also been given "solutions" from the BigPond Helpdesk.
Andrew Host
Mount Colah, NSW
Proxy power
Vote validation is a winner for shareholders and a dud for directors so it will never get up until proxy vote validation is compulsory for all companies.
Directors will never go cold turkey on their addiction to proxy voting flexibility, particularly when it could limit their continuance in power or affect their remuneration.
They love these systems but not because the votes are secure and valid. They save costs for collecting the votes of the 10 per cent of members who normally vote and give an immediate feedback of how the vote is trending.
But hey, they will never renounce the flexibility of paper.
When the digital vote starts going against them it is a great comfort to let the presses roll, flood the market with doctored proxies showing the punters how to vote and back it with advertising bucks ($2.5 million in the case of NRMA) to promote it. The chairman can OK every piece of paper that walks in the door with a member's name and address and a squiggle in blue or black pen to authorise it.
Look no further than the current NRMA elections and annual meeting resolution to see how this works.
If SecureVote want more click, then lobby for Corporations Law reform to make it stick.
Rod Mackay Sim
Epping, NSW
Big mess up
You had a letter supporting BigPond, so I am prompted to write. When I got BigPond broadband a few years ago, it was extremely slow to start up each time. I contacted BigPond - "not our problem, all your fault". Finally fixed it myself - it had been set up wrongly by the BigPond technician.
The email problems aren't a passing fancy - a back-up dial-up account is essential. I wanted to use global roaming. The person who should activate it says: "Won't work for broadband". Pointed him to BigPond website, which said it would. He activated it but of course it didn't work so I used my back-up. Had problems with webmail while overseas in July, no emails coming in, emails lost going out - I had to tell everyone to send to my back-up address. Webmail service down for 12 hours - not good if waiting for email to confirm appointment the next day. In October, went to outback NSW. Walked into an internet service. Webmail was taking 20 to 30 minutes to load the first screen - not very handy when you have paid for half an hour upfront and get disconnected before anything happens.
The BigPond email complaints form failed to send its contents to Telstra. Got sick of this, so sent a complaint email to somewhere else in Telstra, with the response they would send it to BigPond. Got back an automatic email message saying the transfer had failed - if they can't even send emails to each other within Telstra, what hope have we got?
Jim Brander
Vaucluse, NSW
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text:
Jason Gedrick Joins DEXTER Season 7 Cast
Jason Gedrick (Iron Eagle, Backdraft) has joined the cast of Dexter season 7. Comingsoon reports that the actor will appear in a multi-episode arc, will play the manager of a Miami-area gentlemen's club that becomes linked to a high-profile murder case. Filming for the new season starts in May in Los Angeles with episodes premiering on Showtime Sunday, September 30th at 9:00 PM ET/PT.
Gedrick is also known for his roles in Stacking and Heavenly Kid. He also co-starred with Meg Ryan and Kiefer Sutherland in Promised Land and in Crossing the Bridge. He has also appeared on Broadway in a production of Our Town with Don Ameche and Helen Hunt, as well as recently appearing in the production of Wrongturn at Lungfish, directed by Gary Marshall. He recently appeared in the television series Luck, and has also appeared in Murder One, EZ Streets, Falcone, Boomtown, Ally McBeal and Desperate Housewives.
Dexter also stars Jennifer Carpenter, Desmond Harrington, C.S. Lee, Lauren Vélez, David Zayas, and James Remar. Are you looking forward to the next season?


text:
SOUTH SAN FRANCISCO, CA--(Marketwired - June 12, 2014) - Theravance, Inc. (NASDAQ: THRX) ("Theravance"), a royalty management company, today announced the appointment of George B. Abercrombie, Senior Vice President, Corporate Partnerships, Commercial. Mr. Abercrombie will report directly to Rick E Winningham, Chief Executive Officer and be responsible for working closely with Theravance's partners to achieve optimal results from the commercialization of the assets shared by the companies. In particular, Mr. Abercrombie will be focused on the global launches of RELVAR®/BREO® ELLIPTA® and ANORO™ ELLIPTA®, and ongoing development activities with other respiratory programs partnered with Glaxo Group Limited (GSK).
With more than 30 years of experience as a business leader in the pharmaceutical industry, Mr. Abercrombie joins Theravance after serving as the President and Chief Executive Officer of Hoffmann-La Roche Inc. from 2001 to 2009 where he was responsible for the U.S. and Canada. Prior to that, Mr. Abercrombie worked at Glaxo and its successor companies from 1993 to 2001, including as Senior Vice President of Commercial Operations for Glaxo Wellcome, Inc. with full P&L responsibility for all Marketing, Sales, Managed Care, State Government Affairs, eCommerce, Disease Management, Business Planning and Development, and Phase 3b/4 Clinical Studies over the period 1997 to 2001. Mr. Abercrombie was most recently elected as Chairman of the Board of BioCryst Pharmaceuticals, Inc., and also serves as a Board member of numerous other healthcare-related organizations, including Project Hope and the North Carolina GlaxoSmithKline Foundation. Mr. Abercrombie holds an M.B.A. from Harvard Business School and a B.S. from the University of North Carolina at Chapel Hill, School of Pharmacy.
"As we continue to build out our new leadership team at Theravance, I'm pleased to welcome George as a prominent and experienced executive in the pharmaceutical industry who will play a significant role in shaping our corporate strategy and collaborating with our partners," said Rick E Winningham, Chief Executive Officer of Theravance. "George brings deep therapeutic area, product development and commercialization perspective to Theravance, which will be critical in maximizing the value of our partnered assets and help provide capital returns to our stockholders."
About Theravance
Theravance, Inc., A Royalty Management Company, is focused on maximizing the potential value of the respiratory assets partnered with Glaxo Group Limited (GSK), including RELVAR®/BREO® ELLIPTA® and ANORO™ ELLIPTA®, with the intention of providing capital returns to stockholders. Under the Long-Acting Beta2 Agonist (LABA) Collaboration Agreement with GSK, Theravance is eligible to receive the associated royalty revenues from RELVAR®/BREO® ELLIPTA® (fluticasone furoate/vilanterol, "FF/VI"), ANORO™ ELLIPTA® (umeclidinium bromide/vilanterol, "UMEC/VI") and if approved and commercialized, VI monotherapy. Theravance is also entitled to a 15% economic interest in any future payments made by GSK relating to the combination of UMEC/VI/FF and the Bifunctional Muscarinic Antagonist-Beta2 Agonist (MABA) program, as monotherapy and in combination with other therapeutically active components, such as an inhaled corticosteroid, and any other product or combination of products that may be discovered and developed in the future under its LABA Collaboration Agreement with GSK (other than RELVAR®/BREO® ELLIPTA®, ANORO™ ELLIPTA® and VI monotherapy). For more information, please visit Theravance's web site at www.thrxinc.com.
RELVAR®, BREO®, ANORO™ and ELLIPTA® are trademarks of the GlaxoSmithKline group of companies.
Forward-Looking Statements
This press release contains certain "forward-looking" statements as that term is defined in the Private Securities Litigation Reform Act of 1995 regarding, among other things, statements relating to goals, plans, objectives and future events. Theravance intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995. Examples of such statements include statements relating to: the strategies, plans and objectives of the company following the separation, the timing, manner, amount and planned growth of anticipated potential capital returns to stockholders (including without limitation statements concerning the intention to initiate a cash dividend in the third quarter of 2014, expectations of future cash dividend growth and the potential for future share repurchases), the status and timing of clinical studies, data analysis and communication of results, the potential benefits and mechanisms of action of product candidates, expectations for product candidates through development and commercialization, the timing of seeking regulatory approval of product candidates, and projections of revenue, expenses and other financial items. These statements are based on the current estimates and assumptions of the management of Theravance as of the date of this press release and are subject to risks, uncertainties, changes in circumstances, assumptions and other factors that may cause the actual results of Theravance to be materially different from those reflected in the forward-looking statements. Important factors that could cause actual results to differ materially from those indicated by such forward-looking statements include, among others, risks related to: the disruption of operations during the transition period following the spin-off, including the diversion of managements' and employees' attention, disruption of relationships with collaborators and increased employee turnover, lower than expected future royalty revenue from respiratory products partnered with GSK, delays or difficulties in commencing or completing clinical studies, the potential that results from clinical or non-clinical studies indicate product candidates are unsafe or ineffective, dependence on third parties to conduct its clinical studies, delays or failure to achieve and maintain regulatory approvals for product candidates, and risks of collaborating with third parties to discover, develop and commercialize products. Other risks affecting Theravance are described under the heading "Risk Factors" contained in Theravance's Quarterly Report on Form 10-Q filed with the Securities and Exchange Commission (SEC) on May 7, 2014 and the risks discussed in Theravance's other periodic filings with the SEC. Given these uncertainties, you should not place undue reliance on these forward-looking statements. Theravance assumes no obligation to update its forward-looking statements.


text: Still getting a lot of questions about Gionni Paul's eligibility at Utah. The linebacker who transferred from Miami could step in and be an immediate help. However, he will redshirt unless the NCAA allows transfers to play immediately as part of the organization's ruling on Miami. When will the decision come? We are all still waiting. Here is an article that puts it into perspective how long the wait has been for Miami. Utah's coaches believe there is only a slim chance things will fall into place and allow the 6-foot-2, 230-pound linebacker to play this year. They aren't getting their hopes up and fans probably shouldn't either. In the meantime, Utah will plan to go with Trevor Reilly, V.J. Fehoko, LT Filiaga, Jared Norris and Jacoby Hale as the main guys. Senior Brian Blechen is getting better according to coach Kyle Whittingham, but he said Tuesday he considers Blechen a "wild card," with the tendinitis that has hobbled him. - Lya Wodraska


text:
"Catalan" is the adjective for the people of Catalonia. The writer of this article meant to write Catalonia.
The word pizza is Italian for pie, but how that word wound up in Italian boggles etymologists. It may have come from the Latin pix meaning "pitch" or Greek pitta, but others say that it originated in a Langobardic word bizzo meaning "bite."
Where did the dish itself emerge? The common belief is that Italians invented pizza, but a baked bread with toppings has many other precursors in other cuisines. Italy's version of the dish, especially from Naples, is the one we are most familiar with, though pissaladière from Provence, coca from Catalan, and lahma bi ajeen from the Middle East all bear a remarkable resemblance to pizza.
Supposedly, this archetypal pizza, an open-faced pie slathered in tomato sauce and mozzarella, was ushered in by the baker Raffaele Esposito in Naples. In 1889, he made a patriotic pie topped with mozzarella, basil, and tomatoes, ingredients the colors of the Italian flag, in honor of King Umberto and Queen Margherita's visit. It is rumored the Queen enjoyed the pie, and thus, it became known as a Margherita.
In the US, Italian immigrants sold pizza in their stores, and the first pizzeria was opened in 1905 by Gennaro Lombardi at 53 1/3 Spring Street in New York City, but pizza did not truly not catch on stateside until World War II. Stationed in Italy, many American and European soldiers tasted pizza, and brought an appetite for this now-ubiquitous dish home with them.
Where's your favorite slice from?
"Catalan" is the adjective for the people of Catalonia. The writer of this article meant to write Catalonia.
let's find out the answer through google translate hhh
Sorry Italians
Italians are so confusing
If the word 'pizza' means 'pie' in Italian, why do translation sites provide 'torta' for the English word 'pie'? They translate 'pizza' as 'pizza' in either direction.
because is a romantic language similar to spanish , pie has a different origin than the word torta
Sorry, not a "romantic" language, but a Romance language (I am a linguist, and I study among other things Romance languages).
The reason why "translation sites provide 'torta' for the English word 'pie'", Mike, is because the word 'pie' refers to a variety of things which in Spanish have different names: in English you have shepherd's pie, which would be called "pastel" or "tarta" in some Spanish-speaking countries (but not in others), you can have a cream pie which would be called 'torta' or 'pastel' in some Spanish-speaking countries, or you can call a pizza a 'pie', which you in Spanish would call simply 'pizza'. This sort of "mismatch" is very common when you translate from one language to another because languages carve up reality in different ways. For example, in Spanish both toes and fingers are called "dedos" (sort of the reverse of what you find with 'pie'), HTH!
Sorry, the entry was for Italian, but I think Spanish illustrates the point quite clearly!
Indeed, as an Italian I can tell you that the word "pizza" is used only to describe the world-famous dish, and not any kind of pie. For that, the word "torta" is used.
It would be interesting to also mention the "focaccia" (originated in several regions of Italy and France) -at the end of the day it's merely a thicker pizza with less ingredients.
By the way, Italians enjoy their pizza with 2 or 3 ingredients, rarely more. Other Europeans add many toppings.
Hmm Italians
In 1958, while in Naples on a course, we visited a bakery which claimed to be the "original" pizzeria. The baker told us that pizza originated from a practice of quickly baking flat pieces of dough to test its rising ability. These cakes were coated with a little oil and spices and then given to the poor. One must certainly believe what Neopolitans tell American tourists.
With regards to "pix" as a possible origin of the word "pizza." isn't pix also a term for a container to carry communion wafers? Perhaps a little depraved irony.
"One must certainly believe what Neapolitans tell American tourists"? LMFAO!
Torta is Itallian for pie.
Can confirm, used Google Translate.
Google Translate?
So that's all right!
Salut tout le monde
Back to Top


text:
|You are in: Business
Tuesday, 26 March, 2002, 06:57 GMT
Price fixers to face prison
The UK government will today reveal the most radical shake-up of competition policy in decades when it unveils the Enterprise Bill.
Under the new government proposals, price fixing will become a criminal offence that would see unscrupulous chief executives end up behind bars.
And politicians could be removed from the merger approval process, giving trade watchdogs the ultimate say over such decisions.
But Digby Jones, head of the Confederation of British Industry (CBI), says some of the changes will be harmful to British industry.
Disadvantaged UK
The CBI fears that the UK will be subjected to tougher new laws while its European competitors are still allowed a freer rein.
"It will not be a level playing field," Mr Jones told BBC Radio Four's Today programme.
The CBI is particularly concerned about the power given to consumer bodies to launch law suits, fearing that a US-style suing culture will become more prevalent.
The Consumers' Association says cartels are theft and should be treated as such.
The anti-cartel measures are similar to those operated in the US and are designed to crack down on price fixing.
Political influence
But the CBI does welcome the changes in the decision process over mergers and approvals.
The transfer of powers for merger approval from the government to the Office of Fair Trading and an independent Competition Commission is designed to promote consistency in decision-making.
Critics have complained that the current system allows politically-sensitive factors, such as job cuts, an undue influence over merger clearance decisions.
The new bill is aimed at driving competition into the economy and creating a true enterprise culture.
Leaders from the CBI and the Trades Unions Congress (TUC) will meet with Gordon Brown over breakfast to discuss the UK's productivity.
See also:
31 Jul 01 | Business
Price fixers to face jail
20 Jun 01 | Business
Clampdown on price fixers unveiled
19 Jun 01 | Business
Government drive on competition
28 Dec 01 | Business
CBI and union chiefs unite in euro call
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Sexy Hot Secretaries is a completely free application, coming from France. It's safe and very easy to use! Just use your fingers to tap on photo to see next one, set as wallpaper or share with your friends. You can enjoy beautiful high-quality photos of pretty and very, very sexy ladies! Unlike most other sexy apps, THERE IS NO SPYWARE INSIDE ! No watermark on sexy pictures ! WARNING - This application is only for 18+, adult users. High Maturity! Please, do not download if you don't like sexy and erotic adult content. You can move this sexy app to your SD card !
Downloads: 411+ (for Android)Report app for spam or abuse!
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Fun and Funky Hairpins
Feb. 12, 2009 No Comments Posted under: Accessories
When you want to add an extra touch of glamor to a evening dress, or a funky twist to an everyday outfit, try some hair accessories. Hair accessories include: hair combs, hair clips, jaw clips, hairpiece, hair pins, French pins, hair barrettes, hair sticks, hair magnets, hair snaps, etc. They come in different interesting shapes and bead in several varieties and combination.
This is a large bobby pin – for older girl / adult.
Funky little teal and palest yellow hair slides…I think they're quite pretty
Hair pins, lots of them feature vintage cabs and beads!
These have a little twist. These are hand sewn to the clip backs.
These beaded dragonfly hairpins have iridescent bright blue seed bead wings, iridescent pale blue seed bead tails and bright blue disc beads for bodies.
This is a set of matching flower beaded hairpins! These flowers each have six petals made from iridescent rosy red seed beads, with a center made of an opaque yellow bead. The two leaves are iridescent mint green seed beads, with a stem of crystalline green bugle beads.
Hairpins with the gorgeous red-wine toned crystals. Inspired by the lovely butterfly pattern.
Floral yellow fabric, navy button, lace trim, backed in felt, with a brooch clasp and bobby pin.It look really cute pinned in your hair, on a cardi, skirt or bag.
Adorable silver toned bobby pins with vintage findings.
It's a butterfly… on a hairpin!
The little bird's nest hairpin.
Completely handmade and one of a kind and made with new and vintage unused fabrics. Each petal is carefully burnt and holed individually, so there are not two flowers alike.
Very pretty with great colors and nicely tactual.
These are happy lemon hair pins They're handmade and so happy they're even blushing!!!They're totally sweet and sour and will add that burst of bright color to your super cute outfit!
These are funky eyeball hairpins.
Skull on hairpins!


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The Politico piece attracted other media. Here's an interview I did with public radio in Chicago earlier today.
Comments are closed.
I started this site in response to the use of marriage equality as a wedge issue during the 2004 elections. At the same time politicians and political operators were working against equality they were also living their lives in the closet.
People are entitled to privacy and the exposure of someone's sexual orientation without their permission is unacceptable to me. Reporting on the hypocrisy of those who represent us in government? That's an entirely different matter.
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Steelers' Hampton wouldn't block rule change
Casey Hampton, the Steelers' veteran nose tackle, is hesitant to complain about the Baltimore Ravens' offensive linemen skirting the rules that allow them to block him below the waist.
"They can block a guy when we're engaged, and it's just part of the rule," Hampton said. "There are a lot of rules people don't like, but everyone knows the rules are geared for offenses to do well. That's just the way this league is."
Now the league's competition committee is considering a ban on all blocks below the waist. If the ban passes, the league's most dominant defensive linemen could become even more of a force.
"No question about it. If a defensive lineman doesn't have to worry about a guy going after his legs, he'll definitely be more dominant," said Hampton, a five-time Pro Bowl selection. "It'll be surprising if they do something to protect the defensive player a little more."
The Ravens (8-2), who can clinch the AFC North title with a victory Sunday in Baltimore, have drawn the wrath of the Steelers' defensive front the past two seasons for their high-low blocking technique, specifically in the run game.
"I'm not sure if they do it against other players, but they block me like that," said Hampton, who was limited to one solo tackle in a 13-10 loss to the Ravens two weeks ago at Heinz Field. "It's effective, what (Baltimore) does, so if it's not illegal, then I don't fault them for doing it."
However, offensive linemen aren't allowed to block below the waist in passing situations. Hampton said the proposed rule change likely would even the playing field in the run game.
More important, defensive linemen won't be as susceptible to possible season-ending knee injuries like that of Houston linebacker Brian Cushing, who was blocked below the waist by New York Jets guard Matt Slauson.
Steelers defensive end Ziggy Hood feared he was temporarily paralyzed when chopped from behind by Oakland guard Cooper Carlisle in Week 3. Hood said he was stretched out on the field for a brief moment before regaining feeling in his legs.
"I was holding my gap, then I felt pressure on my knee," Hood said. "It hurt like a big dog just lying there. I knew exactly what happened.
"I didn't know how lucky and fortunate I was to walk away from that situation. I'm still counting my blessings."
Defensive end Brett Keisel said the league should have long ago addressed a rule change.
"The illegal blocks that are allowed today are ridiculous," he said. "A guy like Casey can be engaged with a center, and a guard can come and take his knees out. (The league talks) about safety, but I don't see how letting that play be allowed is safe or still legal."
Hood said he understands the cut block rule but fears defensive linemen in 3-4 formations are unable to protect themselves, especially against zone-blocking teams like the Ravens, Houston and Washington.
Steelers guard Ramon Foster is concerned, too, about how the Ravens' offensive front trap blocks the Steelers. He figures it's probably the only way the Ravens can contain the 325-pound Hampton.
"You have defensive guys saying we can't hit them a certain way, but some defensive linemen come at us cutting us a certain way," Foster said. "You can't complain because that's part of the game right now."
Ralph N. Paulk is staff writer for Trib Total Media. He can be reached at email@example.com.


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Western medicine ignoring alternative therapies?
- Question from Stacey: Why is it when someone sees dramatic results using an alternative therapy, practitioners of Western medicine choose not to study it further?
Answers -
Larry Lachman
It comes down to paradigms. Paradigms are literally world views. And if you have all your eggs in one paradigm basket, and another person comes up with another paradigm basket, then that can be very threatening. Most people have put their economic livelihood and their ego/self esteem into that one world view. When something outside their familiar paradigm is shown to be somewhat effective or even more effective, that can literally overwhelm the practitioner's paradigm and cause anxiety and self doubt.
Most people try to keep anxiety and self doubt at arm's length. The way some practitioners do that is by dismissing and belittling and ignoring and discounting dramatic improvements from another paradigm. Also, cancer patients' friends and family can do the same. We know you can't "catch" cancer, but cancer still has a lot of stigma and impact. I see patients in therapy groups, and what added insult to injury was their friends disappearing because they couldn't handle the mortality issues. Instead of trying to deal with their own anxiety, they kept it at arm's distance by keeping their friend, who now has cancer, at arm's distance. And that adds to the depression and feeling like damaged goods.
That's why support and therapy groups are essential. You hook up with people who are walking the walk, not just talking the talk, and you connect with people who care about you and aren't scared or threatened. Support groups improve quality of life, which means less anger, pain, rage, and better sleep, better pain control, and reduced post-operative complications compared to those who are isolated or don't have support.
Although they've had difficulty replicating Dr. Spiegel's work at Stanford with metastatic breast cancer patients, and Dr. Fawzy's malignant melanoma group at UCLA, they found that people who went to support groups had better quality of life, and the support group folks lived longer than those who weren't in groups. These studies haven't shown so much quantity of life as quality. So that's why people in general sometimes are dismissive, or don't want to give credit when they see other forms of treatment.
Dan Benor
Adding to what Dr Lachman says, all of which I agree with, the support groups also give hope. They add positive ways of relating to illness that people explore and can help each other find and develop and enhance. They also serve to share information, because there is so much out there that it's impossible for one person to find all of it. So in a group of people with similar problems, many people can scan for information that's helpful to all.
I've been interested in the opposite question, namely how does change come about in people's attitude? And I have to say that the general public is way ahead of the medical profession. In 1993 and 1998, there were very important papers published by Dr. David Eisenberg at Harvard: surveys showing that almost as many dollars were spent by the public for complementary and alternative therapies as were spent for conventional medical treatment. These therapies were not covered by insurance, so it was clear people were paying that much money out-of-pocket. These surveys had the effect of opening doors in medical schools to exploring these therapies, which people were obviously finding worthwhile in a big way.
At the same time, doctors are cautious, and properly so, because snake oil and other treatments have been touted but found to be no more than sugar pills and sometimes poisonous pills. Doctors are also concerned that people might use these therapies as alternatives, and that's where the term "alternative therapy" has been threatening to doctors who think someone will find an alternative to their treatment, since they know little about it from their training. This is being corrected.
There is now an American Board of Holistic Medicine (ABHM), which is training and certifying doctors in these areas and giving them legitimacy. I was pleased and honored to be invited as a founding member of the ABHM to introduce evidence confirming that spiritual awareness and healing are effective modalities within this spectrum. Support groups often provide information that people can take back to their doctors. So they are not only asking the doctor about the therapy, they are educating the doctor as well. I've spent some 20 or more years collecting this sort of evidence in my books on Healing Research.
Larry Lachman
On the NIH (National Institutes of Health) Web site, May 2004, they surveyed over 31,000 people in the US. They found that 36% of all adults, not just cancer patients, were using some form of CAM (Complementary and Alternative Medicine). When they factored in vitamins and prayer, it rose to 62%. NIH in May states that women, more than men, tend to use CAM. People with higher education levels tend to use CAM. People who have been hospitalized in the last 12 months tend to use CAM. Former smokers use CAM more than current smokers.
CAM is used most frequently, at least in the US, for back problems, neck problems, headache, joint ache, chronic pain, colds, anxiety, depression, gastrointestinal disorders, and sleeping problems. 55% of those in the survey combined conventional and complementary to get the best of both. Citing a 1997 study, the American public spent between 36 and 47 billion dollars in 1997 on complementary and alternative medicine.
Jennifer Griggs, M.D., M.P.H.
I'd like to add an oncologist's perspective. In addition to physician discomfort over therapies, particularly therapies that people put in their bodies, with which they are not familiar, it is important to recognize the following. Even when randomized controlled trials costing millions of dollars demonstrate the benefit of a new therapy, treating physicians can be slow in taking up the use of a new treatment or diagnostic tool. In addition, even when drugs have been studied for years and been shown to be effective, long-term negative effects can show up even years after FDA approval. So as a group, physicians tend to be cautious — for better or for worse.
Obviously, caution is not always comfortable when we are dealing with cancer, but many of us believe that "doing no harm" is the most important thing we do for our patients.
Finally, many drugs that are used in "mainstream" medicine come from natural compounds, such as the bark of the Pacific yew tree (paclitaxel). So we oncologists do recognize the potential of the natural world to heal, but we also see the potential downsides of such products as well. We are no where near as cautious with treatments that aren't taken by mouth, such as massage and aromatherapy, but we may not be as familiar with these options.
The Ask-the-Expert Online Conference called Complementary and Holistic Techniques Part 2 featured Dan Benor, M.D., Larry Lachman, Psy.D., and moderator Jennifer Griggs, M.D., M.P.H. answering your questions about the various complementary and holistic treatments that may benefit those with breast cancer.
Editor's Note: This conference took place in October 2004.
The materials presented in these conferences do not necessarily reflect the views of Breastcancer.org. A qualified healthcare professional should be consulted before using any therapeutic product or regimen discussed. All readers should verify all information and data before employing any therapies described here.
A production of LiveWorld, Inc.
Copyright 2010. All rights reserved.


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August 13, 2012, Santa Fe, NM – In a new video, "Job Boom," Gov. Gary Johnson, the Libertarian Party nominee for President, explains that getting rid of our current tax system is the key to ensuring a speedy economic recovery.
"If we really want to put our people back to work, we have to provide a level playing field and give business a reason to hire American workers again," Johnson says in the video. "I'll give it three great reasons: No personal income tax. No corporate income tax. No capital gains tax."
The former New Mexico Governor is campaigning in Texas all week, including stops in Midland, Odessa, Dallas, Fort Worth, Austin, San Antonio and Houston.
Editor's Note: The above communication does not necessarily reflect the editorial position of FITSNews.com. To submit your letter, news release, email blast, media advisory or issues statement for publication, click here).


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Dan Kelly Scholarships in Broadcast Journalism winners announced!
The Department of Communication is thrilled to announce the winners of this year's Dan Kelly Scholarships in Broadcast Journalism:
Grace Bonoma
Amanda Honigfort
Katherine Kelliher
Ian Sullivan
Each student will receive a $1,500 scholarship for the next academic year.
Congratulations to them!
We'll be awarding two more Kelly Scholarships in Spring 2014. Be sure to look for application details to come!


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01954 233 110
If your laboratory requires a humidity chamber that has programmable temperature profiles with almost unlimited possibilities, the Memmert HCP range is the ideal solution.
Unbeatable in performance and price, this range provides suitable environment simulation capability without condensation due to the temperature and humidity controls and 6 sided heating. Not only this but the inner humidity chamber, ventilation system sensors and water trays call all be sterilised using the standard STERICard on a 4 hour programme at 160°C.
The Memmert HCP range is ideal for research sectors such as zoology and botany, material research, electronics and building physics. By ensuring the environment simulations are reliable and reproducible, and completely documentable this range of humidity chambers provides the high-precision temperature and humidity control required.
Practical experience, feedback and around 60 years of development work, goes into these humidity chambers to ensure they provide precise usability.


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As he wants Haitian people to take part in the new 'We Are the World' video, filmmaker Paul Haggis has invited a group of Haitian film students to help him working on the project.
Oscar winner Paul Haggis has invited a group of Haitian film students to help him edit the new "We Are the World" video. The "Crash" writer/director filmed the historic recording session of the revamped Michael Jackson / Lionel Richie tune last week, as stars like Celine Dion, Lil Wayne, Natalie Cole and the Jonas Brothers teamed up to give the 25-year-old song a modern sound and now he's racing against the clock to make sure the promo is ready for its debut during the telecast of the opening ceremony of the Winter Olympics in Vancouver, Canada on Friday night, February 12.
But he's not alone in the editing suite - he's called on a little help from the people who will benefit from the "We Are the World" profits. Haggis, who chose to visit earthquake-ravaged Haiti rather than attend the Golden Globe Awards in January, says, "I want the Haitian people to be a part of making this."
The moviemaker and founder of the Artists for Peace and Justice charity, which has been raising money for Haiti for many years, admits he's struggling to complete the video in time, "We haven't looked at a third of the footage and we've been here for a week."


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- 3 cups sugar
- 1/2 cup vegetable oil
- 1/2 cup applesauce
- 4 eggs
- 1 (15 oz) can pumpkin (or 2 cups homemade puree)
- 3 1/2 cups flour
- 1 t baking soda
- 1 t salt
- 2 t cinnamon
- 2 t nutmeg
- 1/2 t baking powder
- 1 t ground cloves
- 1 t ground allspice
- 1/2 cup water
- Combine the sugar, oil and eggs.
- Add pumpkin and mix well.
- Combine the dry ingredients; add to the pumpkin mixture alternately with water, beating well after each addition.
- Pour into two greased loaf pans.
- Bake at 350 for 60-65 minutes or until a toothpick comes out clean.
- Cool for 10 minutes before removing from pan.
- For muffins, bake for 25 minutes. Makes ~36 muffins.
Holly's Notes:
The original recipe came from The Amish Family Cookbook. I had just put up several batches of pumpkin puree and my husband asked for some pumpkin bread to take to his Home Teaching families for church. I figured I'd try a new recipe since I really don't have a tried or true pumpkin bread recipe. I searched several cookbooks before finding this recipe. It came together easily and smelled absolutely divine while it was baking. It was delicious, although the second time I made it, I did a 1/2 cup applesauce and 1/2 cup oil instead of the original 1 cup of oil and I doubled the spices and I did muffins instead. We prefer the muffins to the bread and the doubled spices was perfect. This version of the recipe reflects those changes.
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Hey there, time traveller!
This article was published 25/4/2013 (1578 days ago), so information in it may no longer be current.
MOON ALERT After 3:45 a.m. avoid shopping or making important decisions for the rest of the day. The moon is in Scorpio.
ARIES (March 21-April 19)
Be careful with financial matters, especially shopping. For starters, this is a poor day to shop for anything other than food and yet, you are tempted to buy gorgeous, luxurious items. You might also not have a clear picture of your finances. (Whaaat?)
TAURUS (April 20-May 20)
Because you feel selfless and generous to others, you will enjoy doing something to help someone. You won't mind putting their wants and needs before your own. Look for any opportunity to practice a kindness to someone because you will find it rewarding and gratifying.
GEMINI (May 21-June 20)
You don't mind putting others before yourself. In fact, because your idealism is aroused, you might be interested in mystical subjects or spiritual discussions. Hidden matters or unexplainable phenomena will intrigue you. (Yes, even UFOs).
CANCER (June 21-July 22)
You'll find it gratifying to lend your efforts to any charitable organization or group that has a mandate to help someone in need. It just seems to be the thing to do right now. But make sure your motivation is sincere and that you are not kidding yourself. (Also easy to do.)
LEO (July 23-Aug. 22)
Although you are quite ambitious now, your ambition has lessened. You have your eye out for the little guy. You're willing to step aside so that someone else can do their thing or get recognition. This is magnanimous -- but then, Leos are generous by nature.
VIRGO (Aug. 23-Sept. 22)
Grab any opportunity to use your energy to help people in distant lands or people from different backgrounds because this will appeal to you. You will also enjoy studying psychic matters, occult literature or unusual subjects that are exotic but intriguing. ("Houdini? Is that you? It's Mom.")
LIBRA (Sept. 23-Oct. 22)
Be careful if you are dividing or sharing something, especially shared property and inheritances, because your judgment might be off. You might find it difficult to defend your own best interests. Furthermore, you might even be deceived! Do nothing.
SCORPIO (Oct. 23-Nov. 21)
Although you might have been annoyed with partners and close friends lately, you see things in a different light. You understand that we are all frail mortals who are terrified of public speaking. It's no biggie. You'll feel good about cutting others some slack.
SAGITTARIUS (Nov. 22-Dec. 21)
Don't be a sucker at work. Yes, it's good to help others but don't kid yourself about going all out for someone or something -- and really, does it matter? Be aware of your motivation. And also, be aware of the motivation of others. You could be confused.
CAPRICORN (Dec. 22-Jan. 19)
In a way, this is a romantic day and yet, it's also confusing! You might fall in love with somebody who is totally inappropriate for you. Or you might jump to conclusions when dealing with children. Make sure you know what you're doing. Be aware.
AQUARIUS (Jan. 20-Feb. 18)
It will be gratifying if you have a chance to help a family member. You know it's the right thing to do and you know that you can do it. Others will want to cocoon at home and study meditative subjects or just hang out. Just chill.
PISCES (Feb. 19-March 20)
This is a good day to relax. Don't take on too much. You might even gain new insights about something that alters your future goals. It's possible to see things in a more enlightened way, especially if you are exploring spiritual subjects. You feel gentle and accommodating to everyone.
Actor Channing Tatum (1980) shares your birthday. Once you have created a system, an organization, or even an important relationship, you will go to great lengths to nurture and support it. You are genuinely concerned for the welfare of others. You are dedicated and reliable. In the year ahead something you've been involved with for nine years will end or diminish to create room for something new.


text: My first music review is of the hit Gorillaz album Demon Days. Band: Gorillaz Album Name: Demon Days Released: May 23rd 2005 (UK) May 24th 2005 (USA) Recorded during: 2004 Genre: Alternative Rock Producers: Gorillaz, Danger Mouse, Jason Cox, James Dring Label: Parlophone, Virgin Reviewed By: Teh Cappin' Review date: 2nd september 2007 Right, this is the Gorillaz second studio album, the album was fairly successful considering they aint the main stream music. The Album entered the UK Album Charts at #1 and the USA Album Charts at #6, out performing their previous and debut album neatly. It was well received and had some great reviews from different news papers and magazines, such as the guardian rating it 4 out of 5 stars and the observer giving it a 5/5 where as Rolling Stone magazine gave it a mediocre 3/5. The Gorillaz also released a limited edition of the album with a sliding case, with the inside of the case folding out to a + shape with the cd in the middle and a different band member of each side, this pack also included a booklet with lyrics for each song. Here is the track list, it is laid out in this format Track name (Song writer(s)) - Song length My review. Here we go: Intro (Don harper, Gorillaz) - 1:03 It is just basically sounds to set a sign and give a eerie sort of feel, generally builds up through out then just die's. Last Living Souls (Gorillaz) - 3:10 Quite a relaxed song, builds up then just smooths out throughout the song, repeated, some nice lyrics, strong base to it . around 1:40 base die's out for a little bit and adds in some piano with a lead solo then solo ends for an instrumental with violins and sound effects, then song continues as normal. Kids With Guns (Gorillaz) - 3:45 This is one i like, another strong base but this time a guitar, with some good lyrics also. Repeated quite a bit but with good effect. Nice sound to it. Towards the end a big clash of sounds and such which just slowly fades away. O Green World (Gorillaz) - 4:31 The intro to it is kinda weird, but once the song gets going, its a great track. Gets going nicely. Around half way threw the song it just repeats. Pretty nice track none the less. I didnt really like the ending fade. Dirty Harry (Gorillaz, Romye Robinson) - 3:43 Feat. Booti brown. This was one of the few tracks released as a single from this album. I love this song due to the music and how the song pans out and the way it has the 'choir' thing put into in for the chorus repeated a few times with the beat, then it gets a sudden change for the Booti Brown Solo. Then returns to the basic beat we received threw most of the song. Feel Good Inc (Gorillaz, David Jolicoeur) - 3:41 Feat. De La Soul This is another one of the songs released as a single and one of the more famous songs. Great de la soul solo's and quite a soft chorus with a great beat which then turns into a more attacking solo from de la soul. generally it is a good song but some times the de la soul laughs can get in the way a bit. El Manana (Gorillaz) - 3:50 This is an ok song, quite soft singing but with a repeated base line. Nothing much going on. Every Planet We Reach is dead (Gorillaz) - 4:53 longest song on the album. Starts with quite a strong sound then turns a bit softer for the singing then a little instrumental with a heavier sound then softer again, this is the generally lay out of the song, it is good but had a bit more potential. November has come (Gorillaz, Daniel Dumile) - 2:41 feat. MF DOOM Starts with a simple base but with some singing from MF DOOM, then enhances the base with some more sounds, then comes the chorus, quite a soft and simple song but come's across as pretty nice. All Alone (Gorillaz, Rodney Smith, Simon Tong) - 3:30 Feat. Roots manuva Song starts off straight away with a beat and some vocals, then it gets enhanced a bit then stops for less then a second and returns with more sound to it, then it goes soft for a while no vocals and then comes with a Roots manuva solo, with the background beat increasing like at the beginning. Quite a good song, one of the better songs on this album. Tpwards the end is a very soft solo then returns the beat. White light (Gorillaz) - 2:08 Starts with a vocal then enters the base beat which is just some drums, then comes a electric sorta beat then the drums eliminate then return then the electric eliminates then the song die's for a few seconds. Then it returns with a new piano like edition to the sound. Then it all goes on during the instrumental, guitars and all. Nice little song here. Dare (Gorillaz) - 4:04 Feat. Shaun Ryder Another song released as a single, a strong beat threw out and the vocals dont change much apart from the two different singers. one is softer one is more attacking sort of, heavier. The song is ok but is just repeated. Fire coming out of a monkeys head (Gorillaz) - 3:16 Feat. Dennis Hopper It is basically just a beat wih some commentry. Eerie kinda background beat while Dennis Hopper explains a story about a mountine called monkey. So commentry with a changing background beat. Every now and again a chorus will occur with some singing. For me the best bit is near the end, is the chorus 'dance of the dead' Don't Get lost in heavon (Gorillaz) - 2:00 Just a basic nice little soft beat with vocals, nothing much to say, its relaxing and then leads to the final song. Demon days (Gorillaz) - 4:28 Also kinda soft, choir like vocals, basic beat, it is ok but not up to much. Overall impressions were that I really liked this album, defiantly worth a buy. I'l give it a High 8/10 Points. Thanks for reading and hope you enjoyed!


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Tech Trends
Interoperability: SMART Products Follow Standards, are Future Proof and OpenInteractive Administrator once again talked with Vaughn Keenan, vice president of product development at SMART Technologies. In the previous article, Keenan explained how SMART's products integrate and meet industry standards. In this discussion, he explains interoperability and what it means to SMART users.
IA: What role does SMART play in the development of industry interoperability standards as they relate to classroom technology?
Vaughn Keenan: As the global leader in interactive whiteboards, SMART has a responsibility to customers, educators and students to be involved at a grassroots level. We recognize that interoperability makes classroom technology easier for educators to adopt, and that's our overall goal. To that end, we actively participate in the creation of standards, both nationally and internationally.
Creation and implementation of industry standards is challenging because of the diverse needs of many stakeholders, but we are committed to being involved in the creation of interoperability standards for technology in education. For example, we support the common file format initiative for interactive whiteboards in the UK, and we have been one of the key stakeholders helping to define the specification. As well, SMART representatives sit on committees and engage in formal dialogue with policy makers, and we are represented in industry associations such as ISTE [International Society for Technology in Education], SALTIS [Suppliers Association for Learning Technology and Interoperability in Schools] and SIIA [Software and Information Industry Association]. These are all associations that shape standards.
"At SMART, not only are our products inherently interoperable, we also wanted to offer resources to help third parties integrate with them."
Vaughn Keenan
Senior VP, Product Development
SMART Technologies
IA: What is the purpose of the SMART Development Network?
Vaughn Keenan: At SMART, not only are our products inherently interoperable, we also wanted to offer resources to help third parties integrate with them. So we've created the SMART Development Network to house these resources, which include a number of software development kits. These SDKs allow third parties such as researchers, academics and software and hardware developers to create and build products or applications that integrate with ours.
For example, the SMART Board SDK enables users to create applications that work with the features of the SMART Board interactive whiteboard. We also have an SDK for the SMART Table interactive learning center. The SMART Table SDK supports development in C++, C#, VB and Java languages, and includes source code for multitouch interface elements such as photographs and text regions. Much like Apple invites developers to create applications for its popular iPhone, SMART encourages third parties to develop multiuser, multitouch education content and applications for the SMART Table using our development tools. With additional applications from third-party developers around the world, the SMART Table will become an even more engaging and intuitive classroom solution for our users.
IA: SMART recently announced a new web-based version of its award-winning SMART Notebook software. Is this another example of openness?
Vaughn Keenan: It certainly is, and we think it's significant that SMART is the first interactive whiteboard company to create a web-based collaborative learning software. SMART Notebook Express will give users universal access to tens of thousands of free resources, regardless of platform, file type or brand of interactive whiteboard. The web-based version will also allow sharing of SMART Notebook files and content with no need for software installation or user logon.
IA: Can you share some examples of future-proof SMART products?
Vaughn Keenan: The bulk of new features added to SMART products are software based, which means the products evolve as we introduce new features in response to customer feedback. For example, with the SMART Table, we continue to add new multitouch applications to increase the number of ways a teacher can use the product to support learning in the classroom. With the SMART Product Update, users are automatically prompted to upgrade to new versions of software as SMART makes them available, which ensures the SMART Table has longevity.
Two other examples of future-proof products also come to mind. SMART offers 16:9 and 16:10 SMART Board interactive whiteboards that support widescreen projectors, in keeping with the trend toward widescreen film and video. And our SMART Board 600 series interactive whiteboard was designed with an expansion slot located in the Pen Tray. This extra space allows customers to add hardware upgrades in the future, such as a projector control button.


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2013 - First Half Results
2013 - First Half Results
October 3, 2013
October 3, 2013
Profitability in the property/casualty insurance industry rebounded sharply in the first half of 2013. The improvement was propelled chiefly by growth in premiums, a reduction in catastrophe losses and favorable prior year reserve development. The effect: the industry combined ratio fell to 97.9 in the first half of 2013 from 101.9 in the first half of 2012—leading to an underwriting profit of $2.3 billion—much needed in an era of persistent, ultra-low interest rates. The industry's bottom line benefited commensurately as overall net income after taxes (profits) surged by 42.4 percent during the half to $24.5 billion from $17.2 billion in the year earlier period, pushing the industry's return on average surplus up to 8.2 percent, up from 6.1 percent in the first half of 2012 and well above the 5.9 percent and 3.5 percent returns recorded for full-year 2012 and 2011, respectively. Top line growth is also a consistent and meaningful contributor to improved profitability. Net written premiums were up 4.5 percent during the half, up from 3.7 percent gain recorded in first half of 2012 and 4.7 percent in the second quarter, marking the thirteenth consecutive quarter of growth and the longest continuous period of growth in nearly a decade. Persistently low interest rates, of course, remain a challenge for the industry, with net investment income during the half slipping by $0.7 billion or 2.8 percent compared to the first half of 2012. Overall industry capacity rose to a record $614.0 billion as of June 30, 2013—up $34.7 billion, or 6.0 percent, from $579.3 billion as of year-end 2012.
The industry results were released by ISO, a Verisk Analytics company, and the Property Casualty Insurers Association of America (PCI).
It is worth noting that the federal government shutdown that began on October 1 will have no impact on property/casualty insurer claims or sales operations. In addition, property/casualty insurers are well positioned to ride out increased financial market volatility attributable to the shutdown as well as the looming debt ceiling debate in mid-October.
Profitability Improves: Catastrophe Losses Less of Drag on Earnings
The strong first half of 2013 is a welcome departure from the heavily catastrophe impacted results of 2011 and 2012. As noted earlier, the P/C insurance industry reported an annualized statutory rate of return on average surplus of 8.2 percent during the first half of 2013 (8.5 percent after excluding mortgage and financial guaranty insurers), up from 6.1 percent in the year earlier period (6.3 percent after excluding mortgage and financial guaranty insurers).
A discussion of the key drivers of performance through the first six months of 2013 follows:
Catastrophe Losses and Underwriting Performance
While the past two years (2011 and 2012) ranked among the costliest on record for catastrophe losses, direct insured losses from catastrophes during the first half of 2013 fell by $4.7 billion to $9.7 billion from $14.4 billion in the year earlier period, providing a meaningful lift to the industry's bottom line. This year's first-half catastrophe losses were close to the 10-year average for the first half of $9.2 billion, according to ISO's PCS unit. The first half bore witness to a number of significant events, including the May 19 tornado in Moore, Oklahoma, and June wildfires in Colorado. Looking ahead, the third quarter of 2013 did not bring any major catastrophes. Historically, the third quarter is the most costly in terms of catastrophe losses. Hurricane activity remained subdued and far below expectations for an active season. Year-to-date tornado activity is also running far below long-run averages.
Favorable Reserve Development Strengthens
In addition to accelerating premium growth and lower catastrophe losses, favorable development of prior-year claims reserves totaled $8.5 billion in the first half of 2013, a material increase from $7.2 billion in the first half of 2012, according to ISO/PCI. Some of the reserve release is associated with lower than expected costs for Sandy claims, whereas much of the remaining sums released are associated with older events. Removing the effects of favorablereserve development results in a combined ratio of 98.5 for the half (versus 97.9 when the effects are included).
Combined Ratio Improves: Rare Underwriting Profit Recorded
The overall improvement in underwriting in the first half of 2013 was material and notable, with the industry's combined ratio falling to 97.9 compared with 101.9 a year earlier (excluding mortgage and financial guaranty insurers the combined ratios for the same periods were 97.5 and 100.9, respectively).
Premium Growth: Top Line Growth Continues
Also contributing to improved underwriting performance was continued and steady premium growth, which rose 4.5 percent in the first half, nearly a percentage point above the 3.7 percent year earlier reading. Premium growth for full-year 2012 was up 4.3 percent. The first-half figure is composed of second quarter growth equal to 4.7 percent—a notable acceleration from 4.1 percent in the first quarter.
There are two principal drivers of growth in the property/casualty insurance industry: exposure growth and rate. Exposure growth—basically an increase the number and/or value of insurable interests (such as property and liability risks)—is being fueled primarily by the rebounding economy. Real (inflation adjusted) GDP in the second quarter accelerated to 2.5 percent from a first-quarter increase of just 1.1 percent, meaning that the property/casualty insurance industry likely benefited from a quickening in the overall economy in the April through June period.
Not all economic growth, however, leads directly to the formation of insurable exposures. Indeed, historically, the most important determinant in industry growth is rate activity. With auto, home and major commercial lines all trending positively, overall industry growth could outpace overall economic growth in 2013, as was the case in 2012.
Improving labor market conditions in 2013 are also critical to top line growth in the P/C insurance industry. Job growth benefits the entire economy, of course, but the associated expansion of payrolls benefits workers compensation insurers in particular. The United States economy added 1.206 million private sector jobs during the first half of 2013 (and 1.485 million through August). Combined with modest increases in the hourly earnings of employees, payrolls expanded at an average annual pace of $216.5 billion during the half relative to the first half of 2012, which will contribute to billions of dollars in new premiums written being earned by workers compensation insurers in 2013. Indeed, workers compensation, hit hard during the recession by a soft market and a precipitous drop in payrolls, has within the span of just a few years transformed itself from the fastest contracting major property/casualty line to the fastest growing, with direct premium growth in 2013 up by approximately 10 percent.
Strong growth in the workers compensation line, recovery in the residential construction sector and stronger car sales are just a few of the reasons why moderate growth is likely to continue through the remainder of 2013. Among carriers writing predominantly commercial lines, premiums written rose by 3.8 percent in the first half of 2013 (actually down from 5.3 percent in a year earlier) compared to 5.0 percent for insurers writing predominantly personal lines (up from 3.0 percent a year earlier) and 4.3 percent for those with a more balanced mix of business (up from 3.4 percent a year earlier).
Investment Performance: Low Interest Rates Had Expected Effect
Net investment gains (which consist of net investment income plus realized capital gains net of realized capital losses) rose by $1.5 billion, or 5.9 percent, to $27.1 billion in 2013's first half, up from $25.6 billion in the first half of 2012.
Net investment income (primarily interest earned on the industry's bond portfolio plus stock dividends) fell by 2.9 percent to $23.2 billion during the first half, versus $23.9 billion for the first half of 2012. Most of this income comes from the industry's bond investments, which are mainly high quality corporates and municipals.
Corporate bond yields in the first half of 2013 were dismal. Moody's AAA-rated seasoned bond index yields averaged between 3.73 percent and 3.89 percent from January through May, then jumped to average 4.27 percent in June. The January-May yields were roughly the same as in the first half of 2012.
The forces that affected interest rates in the first half of 2013 are the same ones that have been at work for the past few years: unused capacity (in both capital resources and high unemployment); slack in the economy and low near-term future expectations for the economy, leading to an unwillingness to lend/borrow and invest; and Federal Reserve actions to keep both short-term and longer-term interest rates low, all of which contributed to low inflation expectations. The small spike in June was a response to the Federal Reserve indicating that it is preparing to "taper off" its program of buying long-maturity Treasury and agency bonds, depending on its view of the strength of the recovery, although the Fed was clear that it intends to keep short-term rates low for a substantial time even after the bond-buying program ends.
The other significant source of net investment income (besides bond yields) is stock dividends. Contrary to the experience of bond yields, dividends grew strongly. Although net dividends sank by 12.0 percent in the first quarter of 2013, they rose by 40.3 percent in the second quarter over the first quarter. For the first half of 2013, net dividends were 19.6 percent higher. But stock holdings (and therefore dividends) in general represent roughly only about one-sixth of the industry's invested assets.
Only realized capital gains and losses affect insurer net income; unrealized capital gains and losses affect policyholders' surplus. Realized capital gains from the first half of 2013 were $3.9 billion, compared to $1.7 billion in the first half of 2012. As in the past, the downtrend in interest rates that constrains investment income pushed asset values of older bonds up, providing opportunities for capital gains on those bonds.
The broad stock market did quite well throughout the first half of 2013—the S&P 500 rose 10.0 percent in the first quarter and 2.4 percent in the second quarter—and so ended the first half of 2013 up roughly 12.6 percent for the year to date. The outlook for inflation remains quite tame, with the consumer price index expected to remain near 2.0 percent in 2013 and 2014. Consequently, in the near-term price increases are not expected to push interest rates and bond yields up.
Policyholders' Surplus (Capital/Capacity): New Record High Demonstrates Industry Strength and Resilience
Policyholders' surplus as of June 30, 2013 stood at $614.0 billion, up 6.0 percent or $34.7 billion from year-end 2012. Policyholders' surplus has generally continued to increase despite high catastrophe losses over the past few years. The fact that the industry was able to rapidly and fully recoup its losses to surplus even in the event of disasters like Sandy (which produced $18.8 billion in insured losses) is continued evidence of the P/C insurance industry's remarkable resilience in the face of extreme adversity.
The bottom line is that the industry is, and will remain, extremely well capitalized and financially prepared to pay very large scale losses through the remainder of 2013 and beyond despite the fact that insurers have paid catastrophe losses in each of the past two years that are more than 40 percent higher than the $23.9 billion average over the past decade. One commonly used measure of capital adequacy, the ratio of net premiums written to surplus, currently stands at 0.77, close to its strongest level in modern history.
The property/casualty insurance industry turned in a sharply improved performance in the first half of 2013 in terms of underwriting performance and overall return on average surplus (profitability). In addition, policyholders' surplus reached a new all-time record high. Although profitability surged amid lower catastrophe losses and strong prior-year reserve releases, overall investment gains were flat despite bullish stock market conditions, in large part due to historically low yields on fixed income securities pushing down investment income. Premium growth, while still modest, is now experiencing its longest sustained period of gains in a decade.
Fundamentally, the P/C insurance industry remains quite strong financially, with capital adequacy ratios remaining high relative to long-term historical averages.
A detailed industry income statement for the first half of 2013 follows.


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Is the covariance of international stock market returns regime dependent?
The application of a SWARCH model to stock market returns allows one to endogenously determine the regime dependence of the stock market volatility. Comparison of the results from a sample of daily data from five major stock markets shows that the majority of the markets switch regimes simultaneously. This fact is used to investigate the relation between market volatility and the behaviour of the variance—;covariance matrix. It is found that the international variance—;covariance matrix is not stable and that changes in the matrix are dependent on the volatility regime. A high level of variance causes an increase in the average correlation coefficient. The co-movement of the markets is further described by a steady increase in the covariance over the whole sample period. It can be shown that both the time component and the regime dependence of the average correlation have separate and significant explanatory power.
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Volume (Year): 7 (2001)
Issue (Month): 3 ()
Pages: 247-268
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References listed on IDEAS
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"Transmission of Volatility between Stock Markets,"
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