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Payment fraud is one of the biggest risk management challenges facing corporate treasury managers, and it's one that businesses must battle on two fronts. Although media attention tends to focus on the emergence of technically sophisticated online banking scams, criminals continue to target paper checks for fraud. Both crimes should be front and center on a treasurer's radar.
According to the "2013 AFP Payments Fraud and Control Survey" conducted by the Association for Financial Professionals (AFP), 61 percent of organizations experienced attempted or actual payment fraud in 2012. Checks continued to be the dominant payment form targeted by fraudsters, with 87 percent of affected organizations reporting check fraud attempts. Check fraud has been around for a long time, but in recent years criminals have become more proficient at it. The advent of inexpensive desktop publishing equipment has enabled them to create incredibly authentic-looking counterfeit checks. In its most common form, counterfeiting involves creation of fraudulent checks using an organization's MICR-line data. Criminals also commonly alter the amount or payee name on checks that have actually been issued, or they steal or counterfeit employee paychecks.
Meanwhile, a much smaller proportion of respondents to the AFP survey said they faced attempts at commercial purchasing card fraud (29 percent), Automated Clearing House (ACH), debit fraud (27 percent), or wire transfer fraud (11 percent), although the potential losses are greater via these electronic methods. The typical financial loss among companies that suffered payment fraud in 2012 was $20,300, according to the AFP.
Who's Liable for Fraud Losses?
Some corporate managers believe their banks will necessarily bear liability for any fraud losses they incur—and when the treasury team doesn't fear fraud losses, fraud prevention might not be their top priority. That's why it's crucial to understand that businesses can be held liable for payment fraud. These days, banks and their business clients share responsibility for taking appropriate steps to mitigate fraud risk. If a company fails to take these steps, it may bear liability for fraud losses.
In cases of check fraud losses, the Uniform Commercial Code (UCC) is the legal basis for determining liability. Revisions to the UCC in 1990 increased corporate responsibility in check fraud loss situations and softened the burden for banks. Today the UCC requires corporate account holders to follow "reasonable commercial standards" to guard against check fraud. It suggests that banks and corporate account holders should divide responsibility for a loss based on the extent to which each party contributed to the loss by failing to meet reasonable commercial standards.
The July 2010 outcome of Cincinnati Insurance Company v. Wachovia Bank confirmed the potential for corporate liability in check-fraud losses. In that lawsuit, Wachovia prevailed over a business customer's insurance company. The bank had reportedly recommended that the customer use its positive-pay service, through which Wachovia would have compared all checks presented for payment against a list provided by the client of checks it had legitimately issued. Positive pay would have identified potentially fraudulent items, but the customer declined the service and suffered a $150,000 check fraud loss.
A court determined that the customer was liable for the loss. Its deposit agreement with Wachovia included a conditional release of Wachovia's liability if the customer failed to use the bank's products designed to detect or deter check fraud. (You can read a case summary and the court order at http://www.safechecks.com/articles/files/legal-reasons-to-implement-positive-pay.html.)
Bank Services That Combat Check Fraud
Positive pay is generally considered the most effective available deterrent of check fraud. When a check presented for payment does not match the issuance information provided by the bank's customer, the bank alerts the customer, which can then investigate to determine whether the bank should pay the check as presented.
In addition to standard positive-pay services, many banks offer a "positive payee" service enhancement, which helps flag checks on which the payee name has been altered. Positive payee requires businesses to include payee names in the check issuance files they send to their banks. The bank can then identify any checks presented for payment in which the dollar amount, account number, and serial number match the positive-pay guidance but the payee name does not.
Many banks offer several additional services, which businesses can use to further reduce their exposure to check fraud and monitor for fraud attempts, including:
- Account reconciliation. It's important to ensure that all checks written, stopped, voided, etc. are properly accounted for.
- Balance reporting. Simply checking balances and transaction details at least once a day can help a company catch discrepancies and potential fraud early.
- "Post no checks" restrictions on depository accounts. This simple setting enables companies to set up special-purpose accounts to handle only one activity, such as collections.
- Credit- or debit-only restrictions on accounts. Defining accounts as allowing only debit/payables or credit/collections enables quicker recognition of any attempts at unauthorized activities.
Addressing Low-Tech ACH Fraud
ACH fraud can take a couple of different forms. One, which has been around for years, occurs when a criminal steals a check. Rather than forging the physical check, the criminal uses its routing and bank account numbers to order goods by phone or online. In another form of ACH fraud, a dishonest employee might use the MICR-line information on a paycheck to initiate a fraudulent ACH debit.
The biggest issue in combating these types of low-tech ACH fraud is that rules of NACHA, the electronic payments association, stipulate that a company has only 24 hours to contact its bank to dispute a fraudulent ACH debit. Failure to initiate a dispute within the 24-hour window shifts all liability for fraud losses to the corporate account holder.
To support efforts to prevent ACH fraud, banks offer ACH debit blocks and debit filters. ACH debit blocks enable an organization to specify that its bank should reject any ACH debits against a particular account or accounts. ACH debit filters enable the organization to establish criteria defining which ACH debits the bank should accept for a particular account. Parameters can be general—for instance, dollar limits for a single transaction or a list of acceptable payees—or a company can establish detailed criteria for each authorized payment, providing the name of the approved payee, the exact dollar amount, and the payment initiation date. Such detailed filtering is sometimes referred to as "ACH positive pay."
Many banks are recommending that commercial clients use separate accounts for check payments and electronic payments. Further, many businesses are segregating electronic payments, using some accounts only for ACH credits and others only for ACH debits. When a paper-only account receives an electronic debit or credit, or when an ACH debit is initiated on a credit-only account, the payment is automatically rejected.
Online Banking: New Opportunities for Fraud
In recent years, a new type of ACH fraud has emerged as criminals have taken advantage of companies' adoption of online banking. In fact, new online banking scams are introduced almost daily.
One of these scams' earliest forms was "phishing." In a phishing attack, someone receives an email from what appears to be a trusted business partner, such as a bank. The email may ask the reader to open an attachment or click a link. The website the reader lands on may appear to be legitimate, but in actuality it's a counterfeit site. Once on a counterfeit site, a treasury professional may be asked to divulge bank account numbers and online banking credentials, such as usernames and passwords.
As corporate treasuries have become more savvy in avoiding phishing scams, criminals have developed more targeted forms of attack. One, called "reverse phishing," begins when a corporate staff member receives an e-mail that appears to be from a known vendor. Rather than asking for online banking credentials, the message's sender asks the recipient to take an action, such as redirecting an electronic trade payment to a different bank account. The victimized company may not even realize it has been scammed until weeks later, when the actual vendor calls to ask why its invoice is unpaid.
Even harder to detect, many fraudsters today work through credential-stealing malware. In a typical scam, a finance manager receives an e-mail falsely purporting to be from a credible source, such as the Better Business Bureau. The e-mail asks the recipient to view a document, and when he opens the message's attachment or clicks the provided link, malware installs on his computer. The next time the victim visits an online banking site, the malware alerts the criminal, who uses keystroke logging technology to capture the victim's login and security credentials.
Treasury professionals are wrong to assume that banks will accept liability for any losses that occur when fraudsters access accounts by compromising an online banking platform. Most banks' online services agreements outline liability—but in general, a company is liable for payment fraud losses that occur because the company failed to protect its systems.
One of the simplest and most effective controls in combating online payment fraud is the use of dual control in payment initiation; one person initiates each transaction, while a second individual reviews and approves it. This is a best practice based on the premise of separation of duties, and many banks now require it.
Cards Are Targets, Too
Twenty-nine percent of the respondents to the AFP's 2013 survey who were affected by payment fraud reported that commercial cards were targeted. In fact, of those respondents reporting that they experienced attempted or actual fraud related to business-to-business card transactions, 48 percent said it resulted from the improper use of their own commercial cards.
Seventy-four percent reported experiencing commercial card fraud at the hands of an unknown external party. One common scam is "vishing," through which a cardholder receives a call from someone who has the purchasing card number. Pretending to be reporting a fraudulent transaction, the caller asks for the cardholder's CVV2 code over the phone. With the card number and code, the criminal can then successfully make unauthorized purchases.
Twenty-six percent of AFP survey respondents said they were subject to fraud perpetrated by their own employees, such as use of a commercial card to pay for an unauthorized purchase. Interestingly, respondents said their organizations were liable for card-fraud losses 26 percent of the time, which is about half the frequency with which the card-issuing bank was liable (49 percent) and around the same frequency with which the merchant was held liable (23 percent).
One of the best ways to curtail payment-card fraud is to impose spending restrictions on individual cardholders. Most banks allow corporate customers to establish a variety of limits. For instance, a commercial-card program administrator might tell the bank that a particular cardholder can spend no more than $500 per transaction. Or the administrator might set a daily or monthly spending limit for each cardholder; transactions that exceed the restriction will be declined.
A card-program administrator can also use merchant category codes to define the types of businesses at which the card can be used. For example, the administrator might dictate that a particular employee who never travels for business cannot use her card at hotels. Such restrictions can help prevent fraud by unknown external parties because if a card or card number is stolen, the thief will only be able to make purchases from merchants in approved categories.
Treasury managers and commercial-card program administrators can also use their card's online reporting tools to monitor employee spending and look for fraud. Online card management tools typically allow administrators to generate reports on spending activities by cardholder.
Keys to Curbing Payment Fraud
Fraudsters are targeting both paper and electronic payment methods, but checks remain organizations' most vulnerable means of payment. In fact, according to the AFP, replacing all checks with electronic funds transfers is the single best way to combat fraud.
Ultimately, businesses are responsible for using software and process best practices to protect against payment fraud. No single solution or practice can ensure that a company will avoid fraud losses, so companies need to take a multilayered approach that includes best practices in fraud prevention for checks, ACH payments, and commercial card usage, as well as employee education about general online security measures.
Linda Coven is SVP, treasury management product, online services, for Capital One; in this position, she has responsibility for Capital One's Treasury Management Online Services, including Treasury Optimizer; File Delivery; Commercial Mobile Banking; and Intellix, the Treasury Management portal. She has held critical leadership positions in the management and development of online banking solutions and currently serves on the American Bankers Association Payment Systems Committee.


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The Franklin Police Department, Heard County Sheriff's Office, and Heard County Fire and Emergency Services held the redesigned public safety education program on Thursday, April 11th for the students of Heard County High School. The event began at 8:00am and continued until 2:30pm.
The redesigned program consisted of five educational programs; two of which were held in classrooms and the other three in the parking lot. Students were divided into groups of approximately 35, where they visited each of the five stations to receive the information about that stations topic and ask questions. Throughout the day over 550 students passed through each of these stations.
While at the Statutory and Date Rape station, the students were informed of the consequences regarding sexually related crimes, age of consent, and how to avoid becoming a victim of these very important topics.
At another station, they watched a video titled "It Can Wait", which provided actual testimony from family members and friends of victims who were killed while texting and driving a motor vehicle. Afterward, law enforcement officers educated the students about seatbelt usage, speeding, and driving while impaired.
The U.S. Army was present with a tractor-trailer that expanded into a mobile theater where students watched a 16 minute video regarding bullying and the effects it has on victims, including what to do if you become a victim. Several members from the U.S. Army were present to speak with the students regarding the topic and how it can result in crimes as serious as school shootings.
Students witnessed a mock accident scene involving two ATVs that had collided resulting in a fatality. The Heard County Fire and Emergency Services designed this station to educate students about the importance of safety equipment and being safe while riding these fun, yet dangerous vehicles, if not operated safely. Battalion Chief Scott Parrott stated, "all too often we respond to accidents involving an off road vehicle where people were seriously injured and most could have been avoided or injuries seriously reduced, if safety equipment would have been properly worn."
A traffic cone course was placed in the parking lot where student volunteers were allowed to operate a golf cart while either wearing goggles to simulate driving under the influence or they were provided with a cell phone to text on while navigating the course. The students that didn't volunteer witnessed their classmates colliding with the cones while in a controlled environment.

subset: commoncrawl


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Difference between revisions of "CSS Panel"
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== Options Menu ==
== Options Menu ==
This menu is reachable via the little arrow in the panel tab ( [[Image:
This menu is reachable via the little arrow in the panel tab ( [[Image:.png]] ) or by right-clicking on on the panel tab (since [[Firebug Release Notes#Firebug 1.9|Firebug 1.9]]).
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Revision as of 16:10, 23 December 2012
When you want to manipulate CSS rules the CSS panel is the right place for this. It offers options for adding, editing and removing CSS styles of the different files of a page containing CSS. Furthermore it offers an editing mode, in which you can edit the content of the CSS files directly via a text area.
Options Menu
This menu is reachable via the little arrow in the panel tab ( ) or by right-clicking on on the panel tab (since Firebug 1.9).
|Expand Shorthand Properties
| Toggles between the display of shorthand CSS styles like they are defined and separating them into their single-value equivalents (e. g.
padding -> padding-top, padding-right, padding-bottom, padding-left)
|Colors As Hex
|Display color values in hexadecimal format
|Colors As RGB
|Display color values in RGB(A) format
|Colors As HSL
|Display color values in HSL(A) format
|Reloads the CSS styles display
For more info about tweaks available in Firebug please see the full list of preferences.
Panel Toolbar
Edit Button
The Edit Button allows you to switch to the Edit Mode to change the CSS using a text editor, in which you can edit the styles and rules of the currently selected CSS file directly. Clicking the Edit button again switches back to the formatted Display Mode. There are two edit modes available:
Source Edit
Displays the CSS as it came from the CSS source including its formatting, comments etc.
Live Edit
Displays the CSS as it is currently interpreted by the browser. It is formatted for better readability, but there aren't any comments.
CSS Location Menu
The CSS Location Menu shows all the files of the current page, which include CSS rules and lets you choose between them. When switching to another file the panel shows the contained CSS rules of that file.
Internal stylesheets are thereby numbered. So if you have two <style> tags inside your HTML defining some rules, the second will have
#2 after it's name, the third one
#3 and so on.
When hovering images, colors, gradients or fonts inside the style values a little popup preview will be shown for them, which helps finding the right color or gradient, investigating, if an image could be loaded or checking if a chosen font is the right one.
Editing rules
For editing rules the CSS panel offers you different helping features including an auto-completion, a Color and image preview, an indication whether the property could be saved correctly while editing (see below) and an option to toggle styles. To edit a rule, a style property or its value simply click on it. An inline text field appears at that position and you can start typing. When you finished editing hit Enter. To edit the next style just hit Tab instead of Enter. When you want to create a new property you have three possibilities to do so: Double-click on the white area besides a style definition, editing the last value of a style block and hit Tab or right-click at a style and choose "New Property...". To add a new rule choose the appropriate option from the context menu or click on the very last value of a style sheet and hit Tab.
While inline editing the rules there are color indications for whether the entered name or value could be saved:
|Property names
|Property and rule values
|no change was made
|no change was made
|no change was made
|invalid selector
|invalid name
|invalid value
|selector correct, but not applying to selected element
|correct name, but incorrect or missing value
|selector correct
|correct name and correct value
|correct value
An auto-completion feature supports you while entering or editing styles. This means it completes the command while you are typing. If there are several commands starting with the same phrase like
bol for the font weight you can switch through the different possible values by pressing the up and down key. If a numeric value is entered like
10px pressing
Down increases/decreases the value by 1 keeping the unit. Holding the key increases/decreases the value continuously. For a bigger step size press
Down the key. This changes the value by 10. Accordingly pressing
Down changes the value by 0.1. When editing shorthand properties you can toggle through each individual value separately. Just set the cursor to one of the values before pressing the
Down key.
Toggling styles
You can toggle off the application of a specific style by clicking on the disable icon, which appears when you hover a style. When it's disabled a red disabled symbol is shown. For re-enabling the style simply click on it again.
Context Menu
|Copy Location
|CSS Location Menu
|Copies the URL of the stylesheet to the clipboard
|Open in New Tab
|CSS Location Menu
|Opens the stylesheet inside a new browser tab
|Copy Image Location
|image values
|Copies the URL of the image to the clipboard
|Open Image in New Tab
|image values
|Opens the image inside a new browser tab
|Copy Color
|color values
|Copies the color value to the clipboard
|Copy Rule Declaration
|CSS selector
|Copies the whole rule incl. selector and curly braces to the clipboard
|Copy Style Declaration
|CSS selector
|Copies all properties of a rule to the clipboard
|New Rule...
|everywhere, except Edit Button
|Allows to create a new CSS rule inside the currently selected stylesheet; rules will be added above other rules when a rule was right-clicked
|Delete "<selector>"
|CSS selector
|Removes the rule from the stylesheet
|New Property...
|CSS rule
|Allows to create a new property inside the rule
|Edit "<property name>"...
|CSS property
|Allows to edit the property
|Delete "<property name>"...
|CSS property
|Allows to remove the property from the currently selected stylesheet
|Disable "<property name>"...
|CSS property
|Allows to disable the property, so that it doesn't affect the page layout anymore
|everywhere, except Edit Button
|Updates the panel's contents
|Inspect in DOM panel
|CSS Location Menu, CSS rules
|Allows to inspect the style or rule definition inside the DOM Panel
Side Panels
Elements Side Panel
The Elements Side Panel allows trying out CSS selectors.


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Sheriff candidate proposes heroin summit
JANESVILLE—A candidate for sheriff is proposing a heroin summit for Rock County. The sheriff questions whether such an important issue should be part of a political campaign.
Gary Groelle, a captain at the Rock County Sheriff's Office, proposed the summit in a campaign news release Monday. Groelle is running as a Democrat and will face his boss, Sheriff Robert Spoden, in the Aug. 12 primary.
No other candidate has announced for the office.
Groelle said he and others who recently attended the National Prescription Drug Abuse Summit in Atlanta have agreed to organize a summit to discuss what appears to be a growing problem of overdoses, deaths and ruined lives.
"I'm not pointing fingers at anybody. I'm just advocating for collaboration and bringing more people to the table who can problem-solve the issue," Groelle said.
Spoden said if Groelle wants to be involved, he could have brought the issue to Spoden's command staff meeting last Tuesday.
"Obviously this is something political that he's doing, and as a candidate he's welcome to do that. … As long as he represents himself as citizen Groelle, he is free to do whatever he wants," Spoden said.
"It's not like people are just sticking our heads in the sand. All of us are concerned about it. It's just a matter of what's the proper course," Spoden added.
Groelle said the proposed summit is part of his campaign.
"It is part of my platform. It's going to be part of my proposal to change things in my administration, if I am fortunate enough to get in," Groelle said.
Spoden pointed out that heroin has been a topic for the county's Criminal Justice Coordinating Council, which includes a judge, the district attorney, the sheriff's office, other county law enforcement agencies and others. The council plans an upcoming meeting to discuss treatment, which some say is lacking in the county.
Groelle said more people should be at the table, including doctors and treatment providers.
Groelle said the group organizing the summit includes two members of the county mental health staff, a Mercy Health System social worker, a Janesville police officer and Sarah Johnson from Janesville Mobilizing 4 Change, an anti-drug/alcohol abuse group.
Judges, schools and law enforcement, including the sheriff's office, should be represented at the summit, Groelle said. No invitations have been sent, and no date has been set.
"The goal is to bring together community leaders to strategically plan more effective, evidence-based approaches to tackle the heroin problem that has been increasingly damaging the lives of the families and children who reside in Rock County and draining resources throughout the area," Groelle said in his news release.
"I think it's a very serious issue. I'm glad to see the media is looking at it that way, too. At least, it appears they are. I think there is more we can be doing," Groelle said.
The Gazette on Sunday endorsed the idea of a community summit on heroin, noting that in a recent Gazette story Judge Richard Werner called for more discussion about heroin addiction in the county.


text:
12 Gallon Permanent Boat Fuel Tank, 24.5"L X 18.5"W X 7.25"H - Moeller
The iBoats Experience
Boats for SaleBrowse thousands of constantly-updated listings and search by location, brand, and boat type See more...
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Shop ProductsBrowse and search for hundreds of thousands of boat parts, accessories, and supplies to suit your every need.
This item is found in the following Product Families
Cross Reference
|12 Gallon
- Utilizes rotationally molded, cross-linked polyethylene plastic, allowing for complex shape designs beyond conventional and restricted aluminum tanks.
- Our fittings hold the highest O.D. and I.D. tolerances in the industry, ensuring you the highest level of input flow available during tank refueling.
- Machined aluminum 3/8" withdraw fitting has 360° rotational capability for hook-up convenience.
- Ideally suited for gasoline and diesel
- Helping you properly secure your tank, convenient hold down grooves molded directly into tank shell work great with Moeller's Permanent Fuel Tank Hold Down Kit (Part No. 035710)
- Conforms to all ABYC, NMMA and U.S. Coast Guard regulations.
- Available with CE certification.
Cross Reference
Tempo Part Number: 640010
Scepter Part Number: # 07116
Would the sender work within a 6 volt system?
Manufacturer confirms they do not recommend using it with those specs.
Does this come with the sending unit and fittings?
It does not come with the sending unit. It comes with a 3/8" withdraw fitting.
My 1993 Sprint bass boat tank measures 24L x 16W x 11(approx). Do you carry a tank with these dimensions? much appreciated. Mel Franklin?
We don't carry those exact. Here is the closest we have: http://www.iboats.com/19-Gallon-Permanent-Boat-Fuel-Tank-26-L-X-16-W-X-11-75-H-Moeller/dm/view_id.361856 and: http://www.iboats.com/23-Gallon-Permanent-Boat-Fuel-Tank-24-L-X-20-W-X-12-H-Moeller/dm/view_id.484842
This product ships in 1 business day.
Add to Cart and enter your Postal Code to determine the shipping charges.
Most products and orders leave our warehouse in 1 business day. However, select items may take more processing time. Alaska and Hawaii orders please add 1 additional warehouse processing day.
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text:
Kenneth "Ken" Lee Bollinger, Nekoosa/formerly Janesville, WI (1943-2013)
October 21, 1943 - December 12, 2013
Kenneth "Ken" Lee Bollinger, age 70, of Nekoosa, formerly of Janesville, died unexpectedly at his home on Thursday, Dec. 12, 2013. He was born on Oct. 21, 1943, in Eau Claire, to Roland and Margaret (Miland) Bollinger. Ken graduated from Eau Claire High School with the Class of 1961. On Oct. 6, 1962, he married Katherine C. Cooke in Eau Claire. Ken, then, was employed by the City of Janesville as a Fire Fighter. He was a fire fighter for 30 years until 1994, when he retired as Lieutenant. He also worked as a Master Plumber and Cable TV installer during his time off from the Fire Department. Ken was a past President of the Firefighters Union and a member of the Moose Club.
Ken is survived by his wife of 51 years, Katherine Bollinger of Nekoosa; his children: Kevin (Wendy) Bollinger of Barneveld, Kim (Tom) Ober of Morrisonville, and Kent Bollinger of Eleva; grandchildren: Kate, Jacob, Josh, Nicole; great-granddaughter, Olivia; two brothers, Gary Bollinger of Eleva and, Allan (Wilma) Miland of Janesville; sister-in-law, Eleanor (Robert) Bollinger-Johnson; nieces, nephews, other relatives and many friends. He was preceded in death by his parents and a brother, Ronald Bollinger.
Funeral services will be held on Tuesday, Dec. 17, 2013, at 12 Noon at LEIKNESS & STAHL FUNERAL HOME, Plainfield, WI. Officiating at the service will be Pastor Bill Fischer. The family will greet relatives and friends from 10:30 a.m. on Tuesday, Dec. 17, 2013, until the time of service at 12 Noon.
On line condolences may be made at www.plainfieldfuneralhome.com.


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text:
Linda Jean (Blevins) Updike, Janesville, WI (1954-2014)
May 17, 1954 - April 9, 2014
Linda Jean (Blevins) Updike, age 59, a lifelong Janesville resident, passed away unexpectedly Wednesday, April 9, 2014, at Mercy Hospital & Trauma Center. She was born May 17, 1954, in Janesville, the daughter of the late Lowell R. and Nora A. (Hagar) Blevins. Linda drove a school bus for Van Galder Bus Co., and also for the Orfordville Parkview School District. She loved to fish, and also loved to play all types of card games. Her love was her family, and she dearly loved spending time with her five beloved grandchildren! Holidays were always a family get-together for Linda!
Linda is survived by her two children, Lisa (R.B.) Bliss and Kevin (Samantha) Updike, both of Janesville; her sister, Betty (Jerry, Sr.) Harer of Janesville; her two brothers, Robert Blevins of Ontario, WI, and Allen Blevins of Janesville; her five grandchildren: Cody (fiancee, Courtney Hickey) Hedgecock, Wyatt Bliss, Leland, Kayonna, and Savyn Updike; and by nieces, nephews, and friends. She is further survived by her beloved Bandit. Besides her parents, Linda was preceded in death by a sister, Diane Blevins, who died in infancy; and her uncle, Robert Hagar.
Funeral services will be held at 12 p.m. on Saturday, April 12, 2014, at the WHITCOMB-LYNCH FUNERAL HOME & CREMATION SERVICES, with Rev. Paul Speerbrecher officiating. Private family burial will take place on Monday at Bethel Hawthorne Cemetery, Monroe, WI. Friends may call on Saturday from 10 a.m. until 12 p.m. at the FUNERAL HOME.
Whitcomb-Lynch Funeral Home & Cremation Services
21 S. Austin Rd., (608)752-2444


text:
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Grisha Bruskin: H-Hour
January 26 through March 17, 2013
Contemporary Russian artist Grisha Bruskin's new sculpture project "H-Hour" examines the myth of the enemy in very diverse manifestations: the hostile state, class enemy, enemy of the subconscious, 'the other' as enemy, time, chronos and death as enemies, the enemy of the human species, among others. His work explores how the trivial is made sacred, how strong the hypnotic power of art and the image in general really is, and how depiction can become a means and instrument for manipulating human consciousness.
The Fellows Converge: The Obstructions
January 26 through March 17, 2013
This exhibition is a collaboration with the Hamiltonian Gallery along with Hamiltonian Artists, a non-profit career incubator for the next generation of contemporary visual artists. It features new work by the 2012 Hamiltonian Fellows: Amy Boone-McCreesh, Milana Braslavsky, Billy Friebele, Nora Howell, Annette Isham, Matthew Mann, Joshua Wade Smith, Timothy Thompson, and Jerry Truong. The theme of the exhibition is based on the Jorgen Leth / Lars Von Trier documentary, "The Five Obstructions." The Fellows made obstructions for each other's work based on a summer 2012 studio visit and discussion. The obstructions operate as useful critiques of existing work as well as a challenge to future work. This playful yet meaningful exercise offered each artist the opportunity to step outside of self-imposed rules, habits, or routines. AU studio art professor and co-director of AU's MFA program Tim Doud served as the mentor for the group.
Andrea Way: Retrospective 1982–2012
January 26 through March 17, 2013
Washington, D.C., artist Andrea Way's surfaces are beautiful and exquisitely detailed. Her process is original and idiosyncratic, which Washington independent art critic David Tannous describes as "…the combination of two almost antithetical elements: the elaboration of a plan or code or formula, on the one hand, and the intervention of accidents and unplanned activities, on the other." Way is a master of her medium, but she knows enough to let the works breathe.
Admission is free.
Image: Grisha Bruskin, H-Hour, 2013. Detail of installation. Courtesy of the artist.


text:
The Fiber Disease
Human Anatomy, Physiology, and Medicine. Anything human!
Moderator: BioTeam
Just do a couple of shots, then I will peirce your belly button.....HAHA
Hey, is that man not strange that did all the bacteriophage articles? If you toy around that site enough, you will find some photos of him.
I've been gone all day but I will forward you some wolbachia articles...I have a ton!!!! And, it's also the venom from the wasp that is so dangerous. And, no mam, 70% of the insects DO NOT Naturally have Wolbachia like some of the newer articles says.....They are lying,......
I've got one in particular that I will get for you.....it might be tomorrow but I will get it to you....they released the bedbugs, lice, collembolla, the ants now have it........
Sexual reproduction of insects is regulated by cytoplasmic bacteria.
Have you not retrieved one of those freaky white eggs out of your body yet? Yep, that is what those white balls are.....but when it forms, it will come out looking just like the eggs in that photo (did you see it, it was in one of the articles I posted.?)
Hey, check this out, sorry for no hyperlinks, I just found it in my July notes saved on computer....
Many geneticists accept that naked nucleic acids are transferred
horizontally, especially to microorganisms, but dispute the transfer
of transgenic DNA, which they regard to be no different from hostcell
DNA. But there is already evidence of horizontal transfer of
plant transgenic DNA; and there is no reason to believe that the
same may not apply to transgenic DNA in animals – fish, laboratory
mice and rats, livestock and insects – as all transgenic constructs
are similar.
Secondary horizontal transfer of transgenic DNA to soil bacteria
and fungi has been demonstrated in the laboratory. In the case of
fungi, the transfer was obtained simply by co-cultivation (46). Successful
transfers of a kanamycin resistance marker gene to the
soil bacterium Acinetobacter were obtained using DNA extracted
from homogenized plant leaf from a wide range of transgenic plants:
potato, tobacco, sugar beet, oil-seed rape and tomato (47). About
2,500 copies of the kanamycin resistance genes (from the same
number of plant cells) are sufficient to successfully transform one
bacterium, despite the six million-fold excess of plant DNA present.
The CDC has a voice mail line where you can leave comments. Please keep it short and make it so we don't look crazy with rambling long messages.
404 718- 1199
also please mention that they need to install a doctor hotline so that when people go to their doctors the doc can call the CDC and find out what tests the CDC wants them to give the patient and what info they want gathered.
Please mention this on your recorded message.
Also if you know any doctor willing to help have them list themselves on
Also anyone in Albany who reads this site contact Jay Jochnowitz at the Times Union and tell them that Randy told you to call. He is waiting to do a local story.
Also contact your State health department and let them know that there is not pipeline or protocol for a slow acting bioweapon to be realized.
The doc states he does not know..which will not happen and then he takes it to the local level that states that they do not know and they take it to the state level which states that they do not konw and then they take it to the CDC.
This routine will never happen and therefore we are left unprotected from a slow killing bioterrorism weapon.
During the End Times, Good will battle Evil. Where do you stand?
Thank you Randy! kdjsdjlsdjfsdjflksflksdjflsdlfj (sorry, it would not let me post that to you-saying it was too short, thus the scribbles of typos)
Hey, but thanks for the info; and if you have anything else (as far as suggestions, when we call, please advise....i.e., something in particular to ask or say....)
here is mouth full....
by what little light drips thru a thicked haze of synthetic cloluds
from the average citizen operating a faded lemonade stand on a faded bavarian city street ..... . .
Mikrostruktur von Polynorbornen
if that cream works here is why"ah 2002 labwrx":
"Methacrylate Polymerization using a Dinuclear Zirconocene Initiator: A New Approach for the Controlled Synthesis of Methacrylate Polymers ] Polynuclear Olefin Polymerization Catalysis: Proximity and Cocatalyst Effects Lead to Significantly Increased Polyethylene Molecular Weight and Comonomer Enchainment Levels .
Reaction of Alkene-Zirconocene Complexes and Cyclic Enol Ethers through New Reaction Pathways Solid-State Reshaping of Crystals: Flash Increase in Porosity of Zirconium Phosphate-Hypophosphite That Contains Polyethylenoxa Diphosphonate Pillars of Cyclopentine - Metalle machen's möglich!?
Zirconium Triflate Catalyzed Direct Coupling Reaction of Lactams with Heterocyclic Arenes under Atmospheric Oxygen ?
Binol-Bisboronic Acid as Fluorescence Sensoor Sugar Acids
AI..Fluorescent Pyrophosphate Sensor with High Selectivity over ATP in Water
A Highly Flexible Dinuclear Ruthenium(II)-Platinum(II) Complex: Crystal Structure and Binding to 9-Ethylguanine . Biokatalytische asymmetrische Epoxidierung kombiniert mit NADH-Regenerierung in organisch-wässrigen Emulsionen. A Monomeric Organolithium Compound Containing a Free Pyramidal Carbanion in Solution and in the Solid State .
Silver Complexes as Carriers for Facilitated-Transport Composite Membranes A Fluorescent Pyrophosphate
Sensor with High Selectivity over ATP in Water
] A Highly Flexible Dinuclear Ruthenium(II)-Platinum(II) Complex: Crystal Structure and Binding to 9-Ethylguanine
Biokatalytische asymmetrische Epoxidierung kombiniert mit NADH-Regenerierung in organisch-wässrigen Emulsionen
A Monomeric Organolithium Compound Containing a Free Pyramidal Carbanion in Solution and in the Solid State
Composite MembranesCrystal Structure of a Cyclic Selenenate Ester Derived from Bis(2,6-diformyl-4-tert-butylphenyl)diselenide and its Glutathione Peroxidase-Like X-ray Crystal Structure of [(AgI2)n]·n MF6 (M=Sb, As): Diiodine Acting as a Donor in the Planar Polymeric [(AgI2)n]n+ The Shape of Neutral Valine.Layered Silicate into a New Framework Zeolite 5000 Crystal Structure of Tricolorin A: Molecular Rationale for the Biological Properties of Resin Glycosides Found in Some Herbal Remedies.
"here is what NOT randy got in the mail ,i hope"
"structural Revision and Total Synthesis of Azaspiracid-1, Part 1: Intelligence Gathering and Tentative Proposal Ultrafast Electron Crystallography of Surface Structural Dynamics with Atomic-Scale Resolution "
Synthesis and Structural Assignment of Spongidepsin through a
Stereodivergent Ring-Closing-Metathesis.
Highly Efficient Synthesis of Lamellarins K and L by the Michael Addition/Ring-Closure Reaction of Benzyldihydroisoquinoline"
Derivatives with Ethoxycarbonyl-β-nitrostyrenesIn Situ Magnetic Resonance Investigation of Styrene Oxidation over TS-1
Zeolites Das polyedrische Galliumsubhalogenid [Ga24Br22]·10 THF: ein erster Schritt zu einer neuen Modifikation des
Galliums? "
"hold on adolph! first the guy MAKES sponge bob then nabs a little lumin, some Gallium.. . exuse me?"
Submolekulare remote effect: Controlled Submolecular Translational Motion in Synthesis: A Mechanically Interlocking Auxiliary Styroloxidation In Situ Magnetic Resonance Investigation of Styrene Oxidation over TS-1 Zeolites commerciall apps RFIDs, ect.
http://www.ks.uiuc.edu/Research/vmd/all ... citations/
Papers Citing VMD
http://www.wiley-vch.de/vch/journals/20 ... wi_04.html
http://www.knockoutscience.com/showabst ... d=12386454
Transgenic research Literature - Biosynthesis of mucin type O-glycans: lack of correlation between glycosyltransferase and sulfotransferase activities and CFTR expression.
a LOndon, SKy look over here is that a.. yeah that is a motor...
well what do you know... a motor that makes its own gas? never seen one of them?.. well this my lead to a cycle that explains the wasp, thier HIVE, and hell throw in a bird,a deer, a cow.. . and by the time they are done the whole thing in verbatum goes on like an allegory .... explain it all to your loved ones the might applaude ... careful.
Chemoenzymatic and Template-Directed Synthesis of Bioactive Macrocyclic Peptides
Jan Grünewald and Mohamed A. Marahiel*
Fachbereich Chemie/Biochemie, Philipps-Universität Marburg, Hans-Meerwein-Strasse, D-35032 Marburg, Germany
Non-ribosomally synthesized peptides have compelling biological activities ranging from antimicrobial to immunosuppressive and from cytostatic to antitumor. The broad spectrum of applications in modern medicine is reflected in the great structural diversity of these natural products. They contain unique building blocks, such as D-amino acids, fatty acids, sugar moieties, and heterocyclic elements, as well as halogenated, methylated, and formylated residues. In the past decades, significant progress has been made toward the understanding of the biosynthesis of these secondary metabolites by nonribosomal peptide synthetases (NRPSs) and their associated tailoring enzymes. Guided by this knowledge, researchers genetically redesigned the NRPS template to synthesize new peptide products. Moreover, chemoenzymatic strategies were developed to rationally engineer nonribosomal peptides products in order to increase or alter their bioactivities. Specifically, chemical synthesis combined with peptide cyclization mediated by nonribosomal thioesterase domains enabled the synthesis of glycosylated cyclopeptides, inhibitors of integrin receptors, peptide/polyketide hybrids, lipopeptide antibiotics, and streptogramin B antibiotics. In addition to the synthetic potential of these cyclization catalysts, which is the main focus of this review, different enzymes for tailoring of peptide scaffolds as well as the manipulation of carrier proteins with reporter-labeled coenzyme A analogs are discussed.
Article I found on the web.
What's Eating You?
A report last June in the British Medical Journal The Lancet turned up a new and especially fierce parasite. The story began like this: An AIDS patient in California visited his doctor complaining of weight loss and belly pain. CT scans revealed a large mass in his abdomen. A snip of tissue from the growth turned up cells that a host of experts could not identify. Nine weeks later the patient died.
An autopsy discovered that three-fourths of the man's liver was gone. Several growths were removed, including an eight-inch tumor from his abdominal cavity. About a tenth of the cells in the tumor looked very strange for cancer cells. "They were too small to be human," says Luis Fajardo, Stanford pathologist and one of the authors of the Lancet report. Moreover, they contained plenty of silicon, which is extremely rare in human cells.
Further study of the tissue turned up sac-like structures filled with many cells. Still, they didn't bear any clear resemblance to any known pathogens. Finally, microbiologist David Relman of the Stanford Medical School analyzed DNA from the sac cells, selecting one familiar gene and comparing it with the versions of the gene existing in other organisms. He did not find an exact match, but he did find a strong resemblance to a gene in the tapeworm family.
The genetic resemblance proved to be the only solid clue: the researchers now believe they may have discovered a new and uncommonly awful tapeworm. "Maybe this is a parasite that only infects individuals that are immunodeficient," says Fajardo. "But it was so aggressive that one worries whether this parasite can also infect other individuals." -Sarah Richardson from the Jan 1997 issue of Discover.
Ed. Note: It is estimated that 85% or more of the population of the U.S. is infected with parasites! Parasitic infection, once the scourge of third-world countries, has exploded in recent years.
In North Carolina, 110 doctors have recently signed a petition to Vice President Gore for aid in attempting to deal with deadly fish parasites that have infected their coastal water fish and the people who eat them. These fish have become weakened by continued exposure to chemical runoff and hog wastes that are dumped into the waters.
Some of the other causes of increased parasitic infection are increased travel, lack of hygiene, increased ownership of indoor pets and the use of solvents in food processing, which when ingested dissolve the egg sacs, releasing the little critters in organs outside the digestive system. At present there are more than 1,000 types of parasites feeding off our internal organs and vitamin/mineral enriched bloodstream.
The following is a Doctor's partial list of symptoms that accompany parasitic infection:
* eating more than normal, but not feeling full.
* forgetfulness, unclear thinking, slow reflexes.
* loss of appetite.
* gas and bloating.
* problems with menstrual cycle.
* blurry or unclear vision
* yellowish face
* numb hands.
* drooling while sleeping.
* teeth grinding
* lethargy
* rapid heartbeat.
* itching ears, noses, rectum
more food for thought he he.
http://english.pravda.ru/science/tech/0 ... et_cream-0
OH MY G_D..take a look at this people!!! You will just die!
During the End Times, Good will battle Evil. Where do you stand?
heres whats eating ALL of us.,....
http://www.quantumconsciousness.org/ult ... index.html
Symptoms of Poisoning with Pyrethroid Compounds Find Products Containing this Chemical
- Irritation of skin and eyes.
- Irritability to sound or touch, abnormal facial sensation, sensation of prickling, tingling or creeping on skin, numbness.
- Headache, dizziness, nausea, vomiting, diarrhea, excessive salivation, fatigue.
- In severe cases: fluid in the lungs and muscle twitching may develop. Seizures may occur and are more common with more toxic cyano-pyrethroids
This link talks about treatment and also about how it can go into the intestinal track, here we go.
while a certain power structure use tax resources to kill, mame and infect the very souls that are giving the tax to sustain well being"??
what a slander to life it self..
as if any of us
really ever have a "choice":
Synthesis, spectroscopic, luminescent, electrochemical and biological activities and L. Mishra and A.K. Yadaw and R.S. Phadke, C.S. Choi and K. Araki and Metal Based Drugs
Mesoscopic-scale sheet-like assembly: critical role of inter-tape hydrogen bonds in the organogel formation and gel-liquid crystal transition of an alkylsilylated deoxyguanosine/dodecane system, T. Sato, M. Seko and R. Takasawa, I. Yoshikawa and K. Araki and J. Mater. Chem., 3018-3022 (2001).
Design, fabrication, and properties of macroscale supramolecular fibers consisted of fully hydrogen-bonded pseudo-polymer chains and K. Araki and R. Takasawa, I. Yoshikawa and Chem. Commun. 1826-1827 (2001).
Studies ON some new Ru (iii) complexes using aryl-azopentane-2,4-dione and bis (2 ' - benzimidazolyl) pyridine as ligands: ,Preparation of a series of novel fluorophores and N-substituted 6-amino and 6,6 " - diamino-2,2':6',2 " - terpyridine by palladium-catalyzed amination and J. - D. Cheon and T. Mutai and K. Araki and Tetrahedron Lett. 47, 5079-5082 (2006).
. Highly Stable Host-Guest Photorefractive Polymer Composite with Low Glass Transition Temperature and G. - B. Jung and T. Akazawa and T. Mutai and R. Fujimura and S. Ashihara T. Shimura and K. Araki and K. Kuroda and Jpn. J. Appl. Phys.
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mutations and dependencies
Discussion of everything related to the Theory of Evolution.
Moderator: BioTeam
mutations and dependencies
I have been sitting on this idea for a couple months, and I would appreciate some commentary.
I recently learned about epistasis and genetic heterogeneity. Apparently, you can get similar phenotypic results from mutations in different genes that are part of the same biological pathway. To me, this seems similar to computer programs that have depencies. If a program has a dependency, you must first fulfill the dependencies by downloading other programs.
This got me thinking about evolution. The processes underlying evolution don't merely change what's already there, they also make additions to what's already there. If this weren't the case, organisms could never become so complex. Common sense tells me that newer "additions" (mutations) will not have many dependencies built upon them, thus they will have more freedom to change (mutate) until they become something useful. It's only when more dependencies are built upon that mutation that it becomes difficult to change it without messing everything up.
Is this a good way to think about evolution?
Re: mutations and dependencies
Never mind. This is actually the common argument against irreducible complexity.
I thought I was being original.
- - - - -
Since it might be interesting, I'll give the prototypical concepts that led to me thinking of this idea.
Originally, I was thinking in terms of functions with specific requirements and functions with loose requirements.
Here's an example: Blunt object can be defined in terms of what it does. A blunt object serves the function of bashing or breaking stuff. Many things meet the requirements for being considered blunt objects, thus the requirements are loose.
As a complement to loose requirements, there are also functions with specific requirements. A given thing is less likely to meet the requirements for a function with specific requirements.
Furthermore, a thing's utility for that particular function will probably depend on how well it meets those requirements.
If this image is accurate, things that serve "vague functions" (functions with loose requirements) should have more variation because they can vary without losing much utility (usefulness).
At this point, I speculated that vague functions actually pave the way for specific functions.
First, I began to imagine this as a sort of "filling in the cracks" process, where things are polished over time.
One might also think of the specific function as an interaction of vague functions. Many complicated machines are actually made of relatively simple parts. Levers, wheels, axles, and pulleys aren't very complex on their own, but you can use them to make complicated things.
The similar concept articulated in the OP is what I thought of after learning about hypostasis; particularly, how the same hypostasis can result from mutations in different genes within the same biological pathway.
Re: mutations and dependencies
I took the above quote from a wordpress article, and the wordpress article was quoting talkorigins. Here's the original source.
People dont seem to realise the complete absence of a genetic mechanism for adding NEW organ systems, biochemical pathways etc etc. 'Evolution' has damaged young peoples ability to think (Mutations are mistakes). For a good laugh email the loser who runs talk origins and ask him about abiogenesis. I am taking back biology for creation
Well, this was more of a comment than an argument, but I'll explain why this doesn't falsify the theory of evolution. To falsify a theory, you have to make an observation that is inconsistent with the theory. That's not what you are doing. Rather, you are pointing out that the appearance of organ systems has not yet been explained. If it's true that the appearance of organ systems hasn't been explained yet, then evolution might still explain it. On the other hand, finding an alternative explanation for the appearance of organ systems wouldn't show that the theory of evolution is totally wrong, it would merely show that the theory of evolution alone doesn't give us the whole picture.
Anyway, why can't organ systems become more complicated over time and eventually split into separate organ systems?
I will assume you have not read 'Origin of species'.
Neofuncitonalization is a myth.
Hypothesis-observation-theory. The claim that all life that is and ever was shares a common ancestor with a single organism 3.5 billion years is an untestable conjecture/hypothesis. Mankind has 6,000 years of written history/empirical investigation of nature (another word for this starts with the letter 's' but i will not use that word as it is used dogmatically mostly in utter ignorance). No one has ever observed a fish produce something other than a fish, a bird produce something other than a bird, a cat produce something other than a cat, a dog produce something other than a dog etc etc. The claim that it can is not science. Genesis predicts animals bring forth after their 'kind' (fish produce fish, dogs produce dogs, cats produce cats) This is science, this is observable. Every observed law of nature in written history (6,000 years) shows neo-darwinian 'evolution' to be a myth. Someone is welcome to take it by religious faith, but it is not science. BTW natural selection and speciation both reduce genetic diversity. Natural selection is horribly, horribly misrepresented by cult leaders (Dawkins et al).
No, I haven't read it.
The theory of evolution doesn't rest on that claim. Darwin simply observed that offspring will carry a variety of traits. The evolutionary leaps occur (more or less) gradually over many generations.
Despite that, some animals are capable of giving birth to members of other species.
- - - - -
I think you mean
observation --> hypothesis --> test --> repeat until it's falisified or elevated to theory status
When you state the claim so broadly, it seems untestable, but the theory of evolution gets much more specific than that.
According to the theory of evolution, the fossil record should reveal a succession. A fossil that violates this would falsify the theory.
The theory of evolution also now rests on genetic evidence. Organsisms that should be related, according to the fossil record, will show more genetic similarity. This is also falsifiable.
Re: mutations and dependencies
In each of these pivotal nexuses in life's history, the principal "types" seem to appear rapidly and fully equipped with the signature features of the respective new level of biological organization. No intermediate "grades" or intermediate forms between different types are detectable.
You have not read Origins so this will not make any sense but for someone who has
http://www.ncbi.nlm.nih.gov/pmc/article ... 69/?page=1
150 years later Darwins poison legacy lives on. They started the science journal nature, every thing you ever see on TV (Documentaries (Attenbourough is an evolutionist) on nature) , national geographic magazines, straw men debates (Dawkins vs some catholic n00b) 'Science vs religion' is the official strawman (it is actually science vs religion, science vs 'evolution' religion, science wins 'evolution' religion loses) all geared to indoctrinate into Evolution: The lie.
Re: mutations and dependencies
There is young earth creation scientists but obv they will never be on TV/in the media, papers etc.
This experience of mine is not uncommon among the scientists in the creation movement. All of us have published articles unrelated to creation in secular journals. Some of us have published articles that have data with creation implications, but not explicitly pointing out those implications. A good example is Robert Gentry, whose 1982 report [Geophysical Research Letters 9(10):1129–1130] of high helium retentions in zircons was the basis for my RATE helium diffusion project. But none of us, despite frequent tries, have been able to publish papers with explicitly creationist conclusions.
Re: mutations and dependencies
That ncbi article doesn't state that there is no succession. You've only shown that, if there are successions at these major transitions, those successions are difficult to track.
I said "(more or less) gradually" because there is both gradualism and puncuated equilibrium.
On the other hand, the finding of a bird fossil from the precambrian era would falsify the theory of evolution. You might argue that, even if archeologists found a puzzle piece that didn't fit, they might force it into the puzzle anyway. I know next to nothing about homology, so I can't speak on that any further.
However, genetics provides the test as to whether we are assembling the archeological puzzle pieces correctly or not. For the most part, genetics verifies the evolutionary interpretation of the fossil record, which suggests that evolutionary biologists are on the right track.
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2012 Modular Instrument Predictions: Results
Post a comment
Larry Desjardin reviews his Top 10 industry predictions for 2012. How did he do?
Danish physicist Niels Bohr is reputed to have said Prediction is very difficult, especially about the future. At the end of 2011, I made 10 predictions about the industry for 2012. Its now 2013, so how did I do? I grade each prediction below and add a running total.
- Modular instruments will outgrow traditional products by 10 points. While results are not final until National Instruments, Agilent, and Danaher report their final annual results, this isnt even close. Using key metrics within publicly stated earning results as proxies, modular likely outgrew traditional instrumentation by 15 to 20 points in 2012. Bottom line: the modular adoption rate is accelerating. 1-0
- Asia, and China in particular, will drive a big part of modular growth. Using NI results as a proxy, we can look at their regional results. Sure enough, Asia is their fastest growing region with over 33% of all sales to date, their highest on record. This matches my anecdotal observations of high adoption rates by Asian manufacturing sites. 2-0
- The RF PXI Juggernaut continues. Frequent readers of this blog know the answer already. PXI was on fire with hot new RF instrumentation in 2012. Combine NIs vector signal transceiver, Agilents fast RF vector generator, ZTECs 802.11ac solutions, and Aeroflexs PXI systems, and PXI delivered new RF functionality in 2012 that simply doesnt exist in a box format. Expect this trend to accelerate with MIMO in 2013, as this is a naturally modular technology. 3-0
- One big iron semiconductor test vendor incorporates PXI/AXIe. All good things must end, and there goes my winning streak. Ironically, PXI and AXIe are making strong headways into semiconductor test. Ive seen increasing modular adoption in characterization systems and mixed signal manufacturing test, but just not from the big semi vendors. Message to big iron vendors: Dont let the innovators dilemma cause you to miss this disruption or opportunity. 3-1
- Modular instruments accelerate transformation of semiconductor characterization market. As I stated above, more and more characterization is being done with modular systems. This is particularly true with mixed-signal devices, and very true with RF. Note how Qualcomm unveiled their use of the NI vector signal transceiver for device characterization. 4-1
- Three more companies join AXIe. Informtest, a Russian-based VXI manufacturer joined the AXIe Consortium earlier this year. But that is one new member, not three. 4-2


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emotional support.
shared experiences. hope.
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text:
I like Steepster, but I find that I come and go as I please. I might spend months on here and then disappear for no apparent reason. It depends on how busy my life is.
I have been moving solidly into the loose leaf tea territory lately and loving it. I have a french press I like brewing my teas in and I have all of my teas straight with no additions the first time I try it.
I like to try everything and I am starting to like everything. I love black tea, green tea, white tea, oolong tea, yerba mate,and honeybush. I'm still not the biggest fan of roobios, but that is probably because I haven't found the right brand yet.
If you are curious about more than just my tea selection, I am on multiple sites.
Twitter: MegWesley


text:
Puzzle Levels
Download a FREE Solution for your puzzles!
Write your own review! Request the FREE solution for this item!
Cast Radix
Product Information
|Disassemble and Reassemble the Puzzle
|Level 8 - Demanding
|Hanayama Metal Puzzles, Akio Yamamoto
|2 1/2 in x 2 1/4 in x 1 1/8 in / 6.4 cm x 5.7 cm x 3 cm
|Cardboard and Plastic Box
Product Description
Note: Our level rating system is different than Hanayama's. Hanayama's level 1 is equivalent to our level 5.... level 6 is equivalent to our level 10.
The Radix is a puzzle known for both its monumental looks and somewhat organic styling and movements. The entire unit gives off an air of antique wisdom, with the pieces joined at the base in chaotic harmony. The name comes from the mathematical term, 'radical axis'; and also means root in Latin. The innovative concept that it is you might even be tempted to call it 'radical'. Whatever you call it, have fun. The key word here is 'sprout'.
Designed by: Akio Yamamoto 2003
Customer Reviews |Write your own review!
5 out of 5 stars
Disclaimer: These reviews are written by our customers. Puzzle Master makes every attempt to keep these posts informative and relevant. If you find a post objectionable or inappropriate, please let us know by sending an email to firstname.lastname@example.com
Wow! I never would have guessed how varied, and how many, strange manipulations could be hidden within these three "simple" shapes. I would say the difficulty rating should be set one level higher. In any case, it's a beautiful and challenging puzzle with many fascinating and tricky moves.
This was my first ever cast puzzle and from that point on I loved hanayama puzzles. This one is my favorite. I still remember that joy when I solved my first ever cast puzzle.
This is a very, very, very good puzzle! It took me several evenings to take apart. I tried to use logic, but only piece of it was correct. What was most difficult for me was to find out how to separate the two spirals and after I understood it, it took me additional time to do it (because of the third piece). I found the actual solution and did not find an alternative solution, but I believe that if force is required, even minimal, it is wrong. I don't know how they create these puzzles, but its definitely a research on many aspects so that only the solution works and everything else does not. This is one of the best Cast puzzles. Do yourself a favor and buy it for your collection or just for fun.
Handsome three piece puzzle with the appearance of a sculpture. I picked this up two or three years ago and got it apart rather quickly. Putting it together is another story, and it wasn't until I picked it off my shelf much later that I decided that I would restore it to its original positioning. Some of these reviews talk about forcing pieces. I can assure you that no forcing is necessary, and it seems there are at least two solutions. The official solution is much more intriguing than the short cut that I stumbled upon. That's the thing with Hanayama puzzles--you never know what will happen at each turn.
One of my favorite Hanayamas of the ~10 or so I've tried. The solution is elegant and unlikely to be found merely by random fiddling, yet it's an extremely fluid and beautiful movement once you find it. As for the forcing mentioned by others, I believe that a key step in the puzzle can be performed in two slightly different configurations, only one of which requires a force. I solved it with the forced version the first time, but upon further study I found what I believe to be the correct solution, which is perfectly smooth. I would peg this one at the top of the Level 4 range for difficulty. Outstanding and beautiful puzzle!
I also need a bit of force at one point, almost everytime i'm trying that step; thus only four stars. I found easier solution for the last step than the one in hanayama provided solution.
Great puzzle! Probably the hardest of the 8's. It took me about 25 minutes, but people's minds work differently.Very smooth and fluid movement. Highly recommended.
Just like the Baroq, a true Akio Yamamoto masterpiece. It's way harder (IMO it should be 6/6 on Hanayama scale) but it has the same smooth, organic flow and looks. It's a very tough puzzle (physically), so it's impossible to break it during normal play. I have, however, experienced several cases when it was forced into a position that seemed a total lockdown (no further movements available). Luckily, I've managed to reset it every time. As the others mentioned, I too have an issue at one place, where it requires deadly precise moves or it needs to be forced.
It's actually quite cool, the only gripe about this, the thing is much more difficult to put back in the proper state. I got it solved fairly quickly, but it took 3x more time to actually put it back together properly. I don't know how, but I finally managed to do it with enough of monkeying around. It certainly looks good on the shelf, kind of a mysterious shape.
A wonderful and beautiful puzzle, however, there is more then one solution, I found the wrong one (the one not supplied). For even more fun, try to find the way to remove one piece before the other.
If you like Baroq then do yourself a favor and get this beautiful sculpture. A tough solve. Magical!
This puzzle is really nice looking, but like JohnnyZ I also found that it required a bit of force at one point. This detracted from the puzzle more than it did for Baroq.
A masterpiece of almost organic design. It is also quite difficult to solve. I had difficulty visualizing how it could even come apart.
This one should be rated at least to level 9. Really beautiful piece. And movement is unbelievable......
This puzzle was great! It was like the Baroq puzzle, but a bit harder. Also like Baroq puzzle there is a time where I feel like I had to force the puzzle, but I might not have had the pieces in the perfect angle or something...


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Geneva Lake Conservancy collects nearly 800 acres of land from American Farmland Trust
FONTANA—The Geneva Lake Conservancy is taking over nearly 800 acres of organic farmland from the American Farmland Trust.
The American Farmland Trust, a national conservation organization, is transferring three agricultural conservation easements in the East Troy area it collected in December 2000 to the Walworth County conservation group, according to the conservation's news release.
Geneva Lake Conservancy aims to protect the organic farmland from urban development, according to the release.
The 788 acres of farmland also includes woodland and wetland areas and prairies.
Christopher and Martina Mann own two of the three properties, leasing them to a local farmer and East Troy's Michael Fields Agricultural Institute. Yggdrasil Land Foundation owns the third property and leases it to the Krusenbaum Family for their organic dairy business, according to the release.
Lynn Ketterhagen, land protection and operations manager for the Geneva Lake Conservancy, is excited to work with the landowners and farmers of the new properties.
"We hope to be able to collaborate with everyone involved to increase the awareness of preserving farmland in our County," she said in the release.
The conservation group protects more than 1,900 acres of natural lands on more than 27 properties.


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ioquake3 (or ioq3 for short) builds upon id Software's Quake 3 source code release. It cleans it up, fixes bugs, and adds features. Its goal is to be the Quake 3 distribution upon which people base their games and projects. Its design goals include optimizing the engine for playing Quake 3: Arena, Team Arena, and all popular mods. This distribution of the engine has been ported to many new platforms. While it doesn't have PunkBuster (and never will), it does provide more security for servers and clients by way of various bugfixes which aren't in id's client.
Penumbra is a first person horror adventure focusing on story, immersion, and puzzle solving. Violence and combat are hardly an option: the player has to use wits to guide Philip through his final test, which makes the series unique in offering a truly dangerous and terrifying experience. Played from a first person perspective and powered by a 3D engine utilizing cutting edge technology, Penumbra is a true advancement to the adventure genre. The unique physics system allows for true environmental interaction: The player can open drawers, pull levers, pick up objects and manipulate those objects in 3D space, all using natural mouse movements. This creates a highly interactive and immersive game world.
The Open Game Libraries is a collection of separately usable C++ libraries for creating games. It provides OpenGL window management, zip file management, OpenAL audio management, a developer console window, input management, bitmapped fonts with Unicode and kerning support, image loading and saving, model loading and importing, and generic classes and objects for game development such as math and text processing.
RoseThorn is a cross-platform library for 2D and 3D games running on GNU/Linux (and possibly other Unix-like OSes) and Windows. Features include: hardware accelerated 2D and 3D rendering; Ogg and WAV Sound support with OpenAL; Lua scripting; BMP, JPEG, and PNG image loading and saving (from screenshots); easily created and modified user interfaces with XML and CSS, combined with Lua event handling; separate 2D and 3D libraries; support for multiple fonts in both TTF and bitmap formats; support for OBJ, 3DS, MD5, and RTM model formats; skeletal animation (a work in progress); support for UDP and TCP networking; thread and mutex support; a Simple Shader API; 2D animated sprites; and some basic cryptography support. There is simple event management, with key/mouse bindings easily customized from the in-game console, config file, command line, or GUI.


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Karen Schulte: International program will expand horizons for Janesville students
For Jerry Maguire, it was all about "show me the money." That's not the way we operate. Certainly, we struggle with funding, and we are guided by balanced budgets, but we are not driven by profit.
The Janesville School District's mission is to serve our community by educating every child; it is not to generate excess revenue, especially at the expense of our mission. I would like to share with you the educational component of our international program.
There have been discussions on how much the International Outreach Program will cost, where the revenue comes from and how much tuition the program will bring into the district. I have attempted to provide a transparent look at the financial side of the program.
What may be getting lost in this discussion are the educational benefits that a strong international program brings to the district. All of our partners—administration, staff, students and our community—stand to benefit from this exceptional undertaking. As I wrote this, Fritz Elsen, Craig High School teacher, and a group of students were in China soaking up that nation's culture and sharing their experiences at the Global Economic Summit. We are building bridges academically, as well as an aggressive technology partnership that will enhance our international program in Janesville—both for international students studying in our district and Janesville students immersed in international studies.
If we are not involved in this undertaking strictly for the money, then why?
If we focus on Chinese alone, we know that more people in the world speak Mandarin Chinese than any other language. It is the official language of China and Taiwan. It is one of the official languages of the United Nations. China is a world power. The study of China is a necessary component as we provide educational opportunities that prepare our students for a world beyond our district's boundary.
What better opportunity can we provide our students than to be able to study, side-by-side, with Chinese students? The academic benefits to our students in this program far outweigh the resources we are prepared to invest. Students from all over the world enrich our lives.
I provide this discussion knowing that funding cannot be overlooked. The district's administration does not move forward with any programs without a focused discussion on costs, revenues and benefits. In the case of our International Education Program, and the Chinese component specifically, we see a tremendous opportunity to broaden our academic offerings to better prepare our students for a global environment. The fact that we may be able to self-fund the program while increasing enrollment is a big plus, but it's not the only reason to move forward. It's simply the right thing to do.
Yes, Jerry Maguire wanted to see the money. So do we. But we are most interested in educational opportunities for our students as we continue to serve our community by educating every child, and as we prepare our students for exciting and challenging global opportunities.
Karen Schulte is superintendent of the Janesville School District. Readers can contact her at 527 S. Franklin St., Janesville WI 53548; phone 608-743-5050; email email@example.com.


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Handle With Care: Last week on SFReeper.com, SFR broke the news of a still-unexplained Internal Revenue Service raid on the Torres Gallery on W. Water Street. Gallery owner Paula Hausvick claims the artwork agents seized belonged to her, not to local artist Robert Rivera, whose wife was named in the IRS notice of lien left at the scene. Hausvick tells SFR she is concerned about what the raid will do for her reputation—and for the integrity of Rivera's gourd art. "What's my merchandise going to look like when I get it back?" she says.
On Dec. 7, Gov. Bill Richardson's office announced via press release a series of measures on climate change, including this backhand swipe by Richardson at the global climate summit that began that day: "New Mexico continues to act—not just talk—as Congress debates cap-and-trade legislation and the international community meets in Copenhagen to discuss global emission reductions."
Most intriguing was Richardson's idea to convene a "Resilience Advisory Group," charged with developing "a plan for adapting to climate changes." So who'll write the plan, and what will they propose? Sunscreen for all? Giant ships to carry all the rich people to safety, like in
? Stop, drop and roll? New Mexico Environment Department spokeswoman Marissa Stone Bardino did not immediately return a message. But a second announcement from Richardson's office that day offers a clue: The Guv attended the christening of Richard Branson's new
, which should one day launch from New Mexico's Spaceport America.
On Dec. 3, US Rep. Harry Teague, D-NM, himself an oilman, sponsored a bill that would extend a tax break for owners of low-producing "marginal" wells for another year. If Teague's bill doesn't pass, the tax break, which industry lobbies figure is worth $8 billion, will expire on Jan. 1, 2010. According to the Independent Petroleum Association of America, marginal wells account for "approximately 20 percent of American oil production"—a figure cited by Teague in a press release from his office about the bill.
"Without these critical tax incentives many of our small producers would have to plug wells that create jobs for New Mexicans, keeping this incentive in place is critical to the recovery of our local industry," Teague said in his statement.
Taxation of natural resource extraction is one area in which Teague differs with the head of his party, President Barack Obama. In April, the IPAA said Obama's proposed repeal of certain long-standing industry tax breaks would "crush America's clean energy and energy security" goals.


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Watch These Crazy First Dances at Weddings — Daily Distraction
[onescreen item="5027065″]
Generally at a wedding, when the bride and groom have their first dance, it's a touching moment of true love, as they stare longingly into each other's eyes while 'In My Life' or some other classic song plays. But sometimes, the young lovers mix it up a little.
Sometimes, for example, the groom gets a lap dance. Sometimes the couple spends months in advance choreographing an elaborate routine to 'Baby Got Back.' We're not really sure if it's all worth it, but hey, points for trying.
The Daily Distraction is your Internet break from reality. Whether you're eating lunch at your desk or avoiding high school exes on Facebook, you might just laugh, say "aaahhh" or not believe what you just watched.


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Xgravity is a program for the simulation of 3D gravitational motion of n-bodies. It reads a file with the current state of the bodies, and displays the motion. It features a nice isometric perspective, Red-Green stereographics, and a stereographic perspective which allows you to see the trace in "real" 3D. There is a GTK GUI interface in development, which gives you the ability to perform basic operations with the system, like modifing objects, rotating, eliminating drift, and launching a simulation.
COSMIX is a general purpose N body integrator. It allows simulation of the behavior of gravitational systems according to different physical theories. The current release is only a test release - it only supports the newtonian approximation. The project aims at tackling relativity in coming releases.
Astro Info is an astronomical ephemeris/almanac for PalmOS. It displays some basic information useful to stargazers, such as rise, trans, and set times, coordinates, magnitude and phase information for Sun, Moon, and the other 8 planets and stars. It can display a view of the sky (with stars, the Sun, Moon, and planets positioned) at arbitrary times and locations. You can also search for objects based on their names and see where they are.
UFOClock draws an astronomical clock. From it you can read the time of day, phase of the lunar month, ratio of day to night, time until a solstice or equinox, and time until the end or beginning of twilight. The time of day depends on your location on the surface of the Earth, which you can enter on the command line or in a dotfile in your home directory. Location can be given as latitude/longitude or ZIP code. It is called UFO clock because it sort of looks like crop circles. It is based on Sundial by George Williams. It requires GLUT installed to run and the NOVAS library to build.
A versatile and flexible enterprise service bus.
An LDAP-enabled mailing list access policy daemon for Postfix.


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NBA close to finalizing policy on flopping. Will not carry in-game penalty. Will be reviewed after. Poss fine. (via @howardbecknyt)— Ryan Wolstat (@WolstatSun) September 27, 2012
What does everyone else think on this? I thought this was extremely interesting. Flopping and actual charges/falls could be hard to tell difference.
And then there is LeBron.


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Keilor District population density
Access Keilor District population density figures plus suburb map, boundaries, population distribution, demographics, in an accurate, easy to use website.
Did you mean...
Population density for Keilor District and surrounding areas can be found in an online community profile and social atlas compiled by id, the population experts and funded by the local council. The figures are based on the latest 2011 Census data from the Australian Bureau of Statistics.
The population density figures are accompanied by an accurate suburb map, explanation of suburb boundaries and land use information. The social atlas maps how the population is distributed across the local area.
The websites also contain comprehensive demographic information to enable you to profile the suburb and understand the characteristics of the community who lives there. Statistics for Keilor District include population, age structure, religion, education, qualifications, occupation as well as information about housing and households.
These websites use simple, clear tables and charts with concise factual commentary to inform community groups, investors, business, students and the general public.


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Woman pulled from river identified
JANESVILLE—The Janesville woman who died after being pulled from the Rock River on Sunday has been identified as Shirley Gorman, 68.
Chief Deputy Coroner Louis Smit released the name Monday morning after reaching next of kin.
Emergency communications indicated that a couple walking near the Highway 11 bridge saw what they thought was a body at about 10:40 a.m. Sunday. The Janesville Fire Department and Department of Natural Resources both put boats in the water, and Gorman was pulled from the river.
Gorman was taken to Mercy Hospital and Trauma Center but was not immediately pronounced dead.
Soon after the call about the body in the river, Janesville police received a report of a woman who was distraught and missing. She had been missing since about 7 a.m., said police Sgt. Brian Vaughn.
After the rescue, police searched river-access points for the woman's car and found it at River's Edge Bowl, 215 S. River St., Janesville.
Police said they believe she jumped into the river trying to kill herself.


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Policosanol is a mixture of related waxy substances manufactured from sugarcane, wheat germ, or beeswax. Sugarcane policosanol is the best-known form. Numerous studies enrolling a total of thousands of people reportedly found that sugarcane policosanol can substantially improve cholesterol profile. Not only was it reportedly more effective than placebo, it also proved just as effective as standard drugs in the statin family.
On the basis of this research, policosanol was approved in many countries as a treatment for high cholesterol. However, a close examination of the evidence shows that all positive studies of policosanol were performed and reported by a single Cuban research group; furthermore, that group possessed a close financial relationship with the product. Until recently, no independent research groups had tested sugarcane policosanol, in part due to legal obstacles. In 2006, however, three entirely independent studies of sugarcane policosanol were finally reported: each one failed to find any benefit.
The Bottom Line: There's a very good chance policosanol doesn't do anything. Let the buyer beware.


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Jackets & Pants
Choose from a complete selection of quality Aerostich brand motorcycle and scooter apparel, including the Roadcrafter Two Piece Jacket and Pants, the rugged Darien Motorcycle Jacket and Pants, advanced design AD1 Riding Pants and the lightweight DarienLight Motorcycle Jacket and Pants.
Add insulating layers for comfortable all-season riding in colder climates with Kanetsu Electric Heated Vests and Jackets or TLTec Fleece Sweaters, Jackets and Pants.
Accessories for Aerostich Jackets and Pants include TF Pads, hook & loop attachable Pockets, Water Repellents & Sealants, and useful tools for Storage & Repair.


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We're sorry, but we currently have no tickets available for this event.
Check out our full selection of Music Festivals tickets or sign up to be notified when tickets for this event are available.
Kiss 92.5 Wham Bam Ticket Information
Nothing beats the excitement and variety of a Music Festival! Vivid Seats has cheap Kiss 92.5 Wham Bam tickets everyday. View Kiss 92.5 Wham Bam dates and performance times here. We have an extensive inventory of Kiss 92.5 Wham Bam tickets and you can buy them online today. Dont miss out on this excitement. Fans who love a variety of musical acts love to see Music Festivals like Kiss 92.5 Wham Bam. You will not be dissapointed so buy your Kiss 92.5 Wham Bam event tickets today.
Review the following before purchasing our Kiss 92.5 Wham Bam tickets:
- Vivid Seats is a ticket marketplace, all tickets are listed by independant 3rd party sellers.
- All Kiss 92.5 Wham Bam ticket sales are final.
- We are only able to provide refunds (less the shipping costs) in the event that Kiss 92.5 Wham Bam event is cancelled
- You will only have 30 days from the date of the event to request a refund of your Kiss 92.5 Wham Bam tickets.
- Like all concert tickets please keep the Kiss 92.5 Wham Bam tickets in a safe place because we are not responsible for lost or stolen tickets
- In addition to accepting all major credit card payments, we also accept Paypal
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BLS for Healthcare Providers CPR Class
Blackjacket Training
Monday, April 8, 2013 from 9:00 AM to 1:00 PM (WET)
Event Details
The Basic Life Support (BLS) for Healthcare Providers Classroom Course is designed to provide a wide variety of healthcare professionals the ability to recognize several life-threatening emergencies, provide CPR, use an AED, and relieve choking in a safe, timely and effective manner.
This course is for healthcare professionals who need to know how to perform CPR, as well as other lifesaving skills, in a wide variety of in-hospital and out-of-hospital settings. American Heart Association BLS for Healthcare Providers Course Completion Card is valid for two years.
In the classroom, students participate in simulated clinical scenarios and learning stations. Students work with an AHA BLS Instructor to complete BLS skills practice and skills testing. Students also complete a written exam.
Follow us on Twitter @BlackjacketSec and like us on Facebook at www.facebook.com/BlackjacketGroup to receive discount coupons. For more information, visit us at www.blackjackettraining.com
When & Where
Blackjacket Group
33 West Street
Monday, April 8, 2013 from 9:00 AM to 1:00 PM (WET)
Add to my calendar
Blackjacket Training
Blackjacket Group was originally founded in 2010 by Amilkar M. Velez as Quintessence Consultants LLC, which focused on consulting for various entities in their security and loss prevention needs. As time progressed, Amilkar noticed there was a void that existed in the delivery of quality security and investigative services.
Focusing on the 3E's approach to problem solving (Enforcement, Engineering, and Education), the company evolved into Blackjacket Security. Blackjacket Security offered unparalleled delivery of security services in both armed and unarmed capacities, investigative services and training programs in the security, investigative and emergency services field.
The company continued to grow and in 2013 it once again evolved into what is known as Blackjacket Group. Teaching under the guidelines of the American Heart Association, ASP, SABRE, the New Jersey Safety Council and the New Jersey
State Police, our course offerings include SORA classes (Security Officer Registration Act), ACLS, PALS, BLS for the Healthcare Provider CPR, Heartsaver CPR and Heartsaver First Aid. We also offer Defensive Driving, Pepper Spray Defense, Tactical Baton and Tactical Handcuffing.
The company is an authorized dealer of Caridac Science and Philips Automated External Defibrillators (AED's). Blackjacket Group also runs an e-store selling safety and security related products.


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As the Securities and Exchange Commission considers tightening its regulations for money market funds, separately managed accounts have been touted as a possible alternative if companies decide to shift assets in response to the new rules. Such accounts are essentially customized money funds; they allow a company to set guidelines for how the money in its account is invested.
"It appeals to people, the idea that they can pull together a portfolio that's specific to their needs," said Michael Gallanis, a partner at consultancy Treasury Strategies in Chicago. "If you do not wish to actively manage accounts on your own, this seems to be the next best choice."
Gallanis said, though, that few of Treasury Strategies' clients use separately managed accounts.
The Association for Financial Professionals' 2013 Liquidity Survey, released last month, shows that 22% of the 885 companies surveyed say their short-term investment policies allow them to use separately managed accounts (SMAs), unchanged from the 2012 survey. But according to the AFP survey, the companies surveyed hold just 3% of their short-term assets in SMAs, also unchanged from the level reported in last year's AFP survey.
Separate accounts showed up a little more distinctly when AFP asked companies where they invested funds they moved out of banks when unlimited FDIC insurance expired at the end of last year: 8% of the assets that exited bank accounts were invested in SMAs, while 22% went to Treasury money market funds, 21% to prime money funds, and 15% to Treasury or agency securities.
Thomas Hunt, AFP's director of treasury services, noted that AFP asked specifically about short-term assets and suggested companies might use separate accounts more for assets with longer maturities.
Tyler Haws, director of business development at Clearwater Analytics, which provides investment accounting and reporting, said the pros and cons of using separate accounts for short-term assets vary depending on each company's circumstances. "If I'm a company that needs all of my cash within a week or two weeks, I'm going to look at the world much differently than someone who knows they don't need 50% of their cash for the next year," he said.
In general, money market funds "are convenient, simple and offer same-day liquidity for all my assets," Haws said, while a separate account "is going to be completely customized to the maturity and liquidity needs I would have to meet for my business."
Hugh Lamle, president of M.D. Sass Investors Services, a New York-based investment management firm, noted that the company controls the securities in the separately managed account. In fact, if the company has a seasonal need for cash, it could borrow against the securities in its account, Lamle said.
At a panel at the New York Cash Exchange conference in May, Bruce Guiot, the chief investment officer at Miami University of Ohio, said that investing in SMAs provides organizations with "much greater transparency and control." Using a separate account entails setting up custodial arrangements for the securities involved, which means an extra layer of fees, Guiot said. But he argued that that setup provides additional fraud control, because it means the investor gets two separate statements each month on the account, one from the investment manager and one from the custodian
Lamle said he expects to see some money leave mutual funds for separate accounts: "Not a flood, but a trickle." But he sees the shift having more to do with companies' interest in moving out the yield curve.
With short-term interest rates so low, many companies with excess cash have extended the maturity of their investments, venturing out to hold securities maturing in a year, or two or three years. "Often those are in separate accounts," Lamle said, in part because few ultra-short bond funds are of sufficiently high quality to satisfy corporate investors.
The SEC is considering two changes to money fund regulations, one of which would require prime funds, which invest in short-term corporate debt, to switch from using a stable, $1-a-share net asset value (NAV) to a variable NAV. It also proposed a 2% liquidity fee on money fund redemptions if a fund's liquidity falls below a certain level.
Companies that use money funds are concerned a floating NAV would mean more work because they would have to mark their investments to market and recognize the changes in value in their financial statements. Companies are also concerned about any restrictions on redeeming the cash they invest in money funds.
But separately managed accounts don't offer a stable NAV, so using them still entails dealing with a variable NAV and marking investments to market. Observers argue, though, that the administrative burden involved is not that great.
"If you're in very, very high-grade, short-term securities, the degree of fluctuation can be controlled to a very minimal amount," Lamle said. "The custodian is going to give [companies] a daily, weekly or monthly report marking the securities to market. Or if they're in a money market fund, they will get a report [from the money fund]."
Clearwater Analytics' Haws, pictured at left, noted that companies considering using a separate account needn't worry about the burden of marking investments to market or tracking other accounting elements such as impairment or amortization, since reporting solutions like Clearwater's handle that work for companies.
In fact, Haws said, "separate account managers have over the last few years really put together full-service offerings to make it as easy as possible—management of the assets, custody of the assets, reporting of the assets, and accounting and SEC disclosures for the assets, all in a single integrated solution."
When it comes to liquidity, Lamle said the ability to pull money out of separate accounts depends on the type of securities the account holds. And in a separately managed account, companies needn't worry about getting caught up in a panic in which the fears of other investors in a money fund cause a rush to the exits, a situation that can disadvantage investors who are late to move, Lamle said.
Haws said treasurers considering investing in separate accounts should start by educating themselves. "Talk to managers of funds as well as separate accounts," he said. "Learn about the pros and cons."
Companies should determine their investment objectives and how far out the yield curve they're willing to go, and they should have "a reasonably conservative cash-flow forecast," Lamle said.
"Then look at the tradeoff between quality and yield," he said. "We would always advise clients to stick with the very highest quality. Even if you have a perfectly valid cash-flow forecast, things can come up to change it."
To read about the money fund market in Europe, see Who's Afraid of Floating NAV?