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Much has been written about the possible implications of recent regulations on companies that use derivatives to hedge foreign exchange, interest rate, and other risks. Shortly after the Dodd-Frank Act passed in 2010, corporate treasurers began voicing concerns about how the law would affect their derivatives programs. Non-financial institutions are exempt from many of the key provisions, but that doesn't mean they won't feel an impact. Treasurers feared that Dodd-Frank, in conjunction with Basel III and other recent regulatory changes around the world, would increase both derivatives prices and the complexity of hedging financial risks.
For the past three years, hands have been wrung and keyboards have clicked to the beat of the war drum, sounding alarm about the problems that the regulations might create the market. Nevertheless, little time has been spent investigating how regulations are actually affecting derivatives end users. That's what Treasury & Risk set out to do this fall in a research project sponsored by PwC. We polled 196 Treasury & Risk readers to determine whether their fears about Dodd-Frank and other derivatives regulations have come to fruition.
We found that hedging is costing companies more and is consuming more staff time than in years past. As a result, some derivatives end users are looking into alternatives to over-the-counter (OTC) trading, while others are reducing the volume of transactions they engage in or changing the types of derivatives they use. However, very few organizations are moving away from using derivatives as a hedge for their financial risks.
Costs and Complexity on the Rise
Respondents to the Treasury & Risk survey hail from a wide range of industries. Because we're most interested in the impact of regulations on derivatives end users, we focused our data analysis on respondents who work in sectors other than financial services. Thirty-eight percent of respondents are treasurers or assistant treasurers, or have anther role within the treasury function. Seventeen percent are CFOs, and 21 percent are vice presidents, senior vice presidents, or directors of finance.
The vast majority of these treasury and finance professionals are using derivatives to manage their company's financial risks. Nearly half of all end-user companies represented in the survey—and 89 percent of organizations with more than $5 billion in annual revenue—use derivatives to hedge foreign exchange (FX) risks. A slightly lower proportion use derivatives to manage interest rate risks. About a quarter of all respondents hedge commodity risks, although 78 percent of those in the agriculture/mining, energy, and utilities sectors use derivatives for commodity hedging. Around 10 percent use derivatives to manage credit risk and price risk. (See Figure 1.)
Across all these types of risks, using derivatives for hedging is becoming more complex. Three-quarters of end-user companies in our survey have seen an increase in the amount of staff time they need to dedicate to recordkeeping and reporting for their derivatives transactions. Seven percent of organizations that use derivatives have seen their derivatives-trading workload grow by between six and 10 hours per week, and for 6 percent of companies it's increased by more than 10 hours a week. Two survey respondents—both of whom use derivatives to hedge multiple types of risks—said their companies have even added two full-time equivalent staff members to handle the added work associated with derivatives regulations (see Figure 2, below).
At the same time, prices for derivatives transactions are also rising. New clearing and capital requirements have increased banks' costs to offer derivatives. Analysts have long expected these costs to be passed on to derivatives end users, and our survey bears this out. For 8 percent of respondents, transaction prices are up across the board. Another 5 percent have seen prices rise on long-duration swaps, and 12 percent reported that a variety of transactions are costing them more. Thirty-five percent said they expect to see price increases, although they aren't yet paying more. Only 14 percent said they are not seeing—and do not expect to see—increased prices (see Figure 3, on page 2).
The median size of the price increase, among companies that are seeing an upward trend, is 5 percent. However, the wider the variety of risks a company uses derivatives to hedge, the larger the increase tends to be. For companies that hedge commodity or credit risks, prices have increased a median of 10 percent. The majority of these organizations use derivatives to hedge exposures in at least four of the five types of risk that our survey identified.
Among derivatives end users that have seen a higher-than-median price increase, 69 percent use interest rate hedges, 56 percent use foreign exchange hedges, and 44 percent use commodity hedges. For companies that have seen derivatives prices rise across the board, the average size of that increase is 7.8 percent.
Few Companies Are Leaving Derivatives Behind
In some cases, companies are responding to the higher prices and increased complexity by moving away from bilateral, OTC derivatives trades, but few are substantially modifying their reliance on derivatives to hedge financial risks. Nearly two-thirds of respondents (63.5 percent) said they have not changed the fundamentals of their derivatives program as a result of new regulations, and almost as many (61.6 percent) said they're not considering any changes at this time.
Seven percent of survey respondents reported that they have reduced their hedging volume as a result of regulatory changes, by a median of 25 percent of notional value. The largest businesses are the least likely to decrease their trading volume; 95 percent of companies with annual revenue over $5 billion said they have not reduced the scope of their derivatives programs.
Although fewer than one in 10 companies has already reduced its hedging volume, that isn't the whole story. Around 3 percent of survey respondents have modified their non-derivative arrangements to reduce their use of derivatives. Twelve percent said they're analyzing their exposures in more detail to determine whether they can reduce their reliance on the instrument. Eight percent said they're moving to shorter-duration derivatives, and another 8 percent have modified the types of derivatives they use.
Nevertheless, only 1.4 percent of end-user respondents said that they're moving away from using derivatives altogether for financial risk management. (see Figure 4, below).
It's clear that rising prices and the increasing demands derivatives trades are placing on treasury staff are both acting as drivers of companies' re-evaluation of their approach to hedging. Survey respondents whose companies are experiencing derivatives transaction price increases above the median 5 percent are the most likely to be changing their programs. These organizations are almost three times more likely than other businesses to be reducing either their transaction volume or the proportion of exposure they hedge. They're twice as likely to be moving to shorter-duration derivatives, and more than twice as likely to be modifying the types of derivatives they use.
Likewise, companies in which recent regulations have increased the staff time spent on derivatives by at least two hours per week are almost twice as likely as the typical company to be reducing their transaction volume and more than twice as likely to be modifying the types of derivatives they use. Still, not one organization in our survey that has above-median price increases or more than two hours per week in increased workload is entirely moving away from derivatives for hedging financial risk.
Bilateral vs. Exchange-based Trading
Many of the survey respondents whose companies are continuing to use derivatives for hedging are moving some (or all) of their activity away from OTC trading. Eighteen percent are already using swap execution facilities (SEFs), the new CFTC designation for trading platforms that enable market participants to trade swaps with more than one other market participant. Another 10 percent said they're considering starting to trade derivatives on SEFs. Some are also replacing OTC derivatives with exchange-traded futures—10 percent for hedging commodity price risk, 8 percent for FX hedging, 7 percent to hedge interest rate risk, and 6 percent to hedge other financial risks.
Although SEFs and futures exchanges offer derivatives end users substantial advantages in terms of pricing, transparency, and management of counterparty risk when compared with bilateral OTC transactions, they also offer a limited range of options for financial instruments' notional value and tenor. Thus, they severely limit a company's flexibility in finding hedges that precisely match their various exposures. Seventeen percent of respondents said that one result of recent derivatives regulations will be a reduction in the effectiveness of their hedge accounting as they move to more standardized products.
A good alternative to using choosing between OTC derivatives and those traded on a SEF or exchange might be to combine the two approaches. A company might save money if it used SEF- or exchange-traded derivatives to hedge those risks that standard financial instruments can address. Then it could turn to the OTC market to hedge more unique exposures.
However, fewer than 5 percent of survey respondents said they are currently combining OTC derivatives with SEF- or exchange-based trading. This approach is popular with companies that use derivatives to hedge credit risk, though. A full 43 percent of those organizations are using both OTC and SEF- or exchange-traded derivatives. And it's a tactic that might be growing in popularity; 14 percent of all respondents are currently considering the combined approach.
Clearing and Collateral
Many companies that are continuing to trade over the counter have responded to recent regulatory changes by either starting to clear their transactions or entering into new credit support annexes (CSAs), documents that stipulate collateral requirements, with their dealers. Nearly one in five survey respondents said they're entering or amending CSAs with their swap counterparties. CSAs are most popular among companies that use derivatives to hedge commodity price risk; our survey indicates that more than 40 percent of these businesses have begun posting collateral.
Overall, 17 percent of survey respondents are clearing their OTC derivatives trades through a clearing organization. That number is much larger for certain types of hedgers: Almost half of companies hedging price risk, and 57 percent of those hedging credit risk, are clearing their trades. (See Figure 5.)
Forty-one percent of respondents said their organization has applied for an end-user exception to the Dodd-Frank Act's clearing requirements and has taken all the steps necessary to achieve the exception. Twenty-eight percent said they're still considering applying, while 22 percent said that although they're eligible for the exception, they decided not to apply.
The companies that are feeling the greatest impact from regulations are also the most likely to be considering substantial changes to how, and where, they handle derivatives trades. Respondents whose organizations are seeing higher-than-median price increases, or are dedicating two or more extra hours to derivatives trading each week, were about half as likely as the typical respondent to say that their company is not considering new execution or clearing options, nor considering increasing its use of non-OTC derivatives. Along the same lines, companies facing high prices are more than twice as likely as other companies to be looking into SEFs, and they're three times as likely to replace OTC derivatives with exchange-traded futures for hedging interest rate risk. (See Figure 6, below.)
Regulatory Overreach
Ultimately, more than a third of respondents (36 percent) said that they think the OTC market—without clearing or posting collateral under CSAs—is the only way their organization can effectively meet its hedging needs. These organizations are absorbing higher prices and are managing counterparty risk in their OTC trades by tracking their banks' credit ratings (56 percent), monitoring their banks' credit default swap levels (31 percent), spreading their exposure among a group of counterparties (45 percent), and keeping exposure to any particular counterparty below predetermined limits (38 percent).
What are derivatives end users' biggest concerns going forward? One-quarter are frustrated by the lack of clarity on how different governments will coordinate the regulation of cross-border trades. Almost 10 percent have a similar complaint about the lack of clarity around margining and collateral requirements, while 14 percent are concerned about the changes to operations and working capital management that they would need to undertake to post collateral. Twenty percent cited higher prices as their top concern. But the largest proportion of end users (27 percent) said they simply don't have the time or internal expertise to deal with all the regulatory changes in the derivatives market.
That frustration dovetails with respondents' viewpoint on the benefits of derivatives regulations overall. Most agree at a high level that Dodd-Frank, Basel III, and the other regulations affecting derivatives markets have some value. One treasurer even stated that governments "should have gone farther with regulating this marketplace." But the vast majority of the survey's corporate respondents wish they weren't affected by the tightening oversight. Twenty percent called the regulations "unnecessary and intrusive." Another 41 percent said that the rules are necessary for financial companies, but that requiring changes for end users of derivatives was an overreach (see Figure 7).
Only 5 percent of respondents from non-financial institutions said the regulations are "essential to market stability." Interestingly, twice as large a proportion of respondents from financial institutions (10 percent) believe recent derivatives regulations are essential. And 22 percent of banking respondents think the regulatory changes have been helpful because they've increased transparency in the derivatives market, while just 14 percent of respondents from non-financial companies feel the same way.
As prices and complexity rise in the over-the-counter derivatives market, companies are considering their alternatives. In this analysis, most are finding that no other financial instrument can replace the precise hedging capabilities of OTC derivatives.
For that reason, corporate end users are largely staying the course with their derivatives programs. They're bearing higher prices and larger workloads for treasury staff, and they're hunkering down in anticipation of the changes that will undoubtedly continue to flow.
Meg Waters is the editor in chief of Treasury & Risk. She is the former editor in chief of BPM Magazine and the former managing editor of Business Finance.


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Spirit Animal Funny Onesies
Dabbing unicorn shirt, Dab unicorn t-shirt wearing sunglasses on dab pose. Deal with it, Dabbing emoji tshirt Hip hop unicorn shirt. Dabbing, unicorn, shirt, Dab, unicorn shirt, sunglasses, dab, Deal with it, emoji, Hip hop, Music, rap, emoticon, dance, Magical, t shirt, Fabulous, unicorn gifts, mug, unicorns are jerks, unicorns are real, rainbow, cute, always be you, believe in yourself, motivational, quotes, pet, cat, dog, pug, magic, gay, lesbian, girl, Trending, horse, unicorn lover, unicorn pattern, i love unicorns, unicorns,
Tags: dragon-ball-z, dabbing, dab, dabbin, unicorns
If you love dolphins, orca whales or other fantasy ocean creatures and animals you need to purchase this cool and cute Beluga Whale Is My Spirit Animal Funny Kawaii tee for a party, aquarium trip or buy it for a beluga lover with a sense of humor. This hilarious comedy shirt features a cartoon beluga whale and says Beluga Is My Spirit Animal. The tee is suitable for a sea animal lover or whale lover.
Tags: kawaii-cartoon, kawaii-cute, funny-kawaii, beluga-is-my-spirit-animal, my-spirit-animal
You want to be the very best? Like no one ever was? Now you can, when you walk into your gym wearing this brand new Pokemon Go-themed T-Shirt! The Pokemon shirt to end all Pokemon shirts, you can impress and intimate everyone who's either just starting to play the popular Pokemon Go mobile app, or the unfortunate trainer who's brave (or dumb) enough to challenge for your home turf! Whether you're on Team Valor, Team Mystic, or Team Instinct, you will make them look good with your new shirt!
Tags: game, quotes, i-go-to-the-gym-every-day, pikachu, pokeball
Put your humor mode on with this awesome tee shirt graphic that reads "Oy To The World" in big English text with beautiful Jewish symbol scattered like snowflakes! If you freaking love funny Christmas quotes, sayings, hanuka, hebrew, Israel, religious or the fun happy holidays, this tshirt is for you! Comfortable & stylish to wear to parties, events, celebrations, work & back to school! This will be the best Christmas gift or birthday present idea for your friends or family who are looking for something casual, trendy, hilarious, fashionable, stunning or novelty shirts to wear this xmas holiday season. You'll get so many compliments and happy smiles that this will be the perfect ice breaker at parties, events & family gatherings! Grab this now and add this to your winter wardrobe collection of awesomeness!
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subset: commoncrawl


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Day Air Tops $100 Million in Loans in 2012
At the start of 2012, Day Air Credit Union said it set a goal to fund and grow the community by $100 million in loans.
The Kettering, Ohio-based cooperative is celebrating not just meeting that goal but exceeding it.
Day Air said it provided more than $105 million in loans last year. That's 3,590 new vehicles, 548 new homes, 185 small businesses growing and 417 students going to college, according to the $268 million credit union.
"Being a financial cooperative, we are built around meeting the needs of our members and community, not maximizing profit." said William Burke, president/CEO of Day Air. "We live by the philosophy of people helping people and are here to serve the community. We look forward to a successful 2013 for all of our members and members yet to be."
When the economy took a dip in 2008, many banks pulled back on lending if not stopping altogether, the credit union said. Day Air said it wanted to fill a need in the community by helping its members buy their first home, fund their children's braces, get a new fuel efficient car or buy an engagement ring.
Serving nine counties, the credit union said it has millions to lend and is ready to help grow its local economy even more in 2013.


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Slab Hunting in the Azores
"IT'S a different style of wave." Said Nic von Rupp who recently had a brief romance with an Azores slab alongside surfer Marco Giorgi and bodyboarder Gastao Entrudo. "There are plenty of long pointbreak fun waves in Portugal but none as heavy as this one. its just an A-framing slab, if you don't make the take-off you're left stranded on these sharp volcanic rocks. This was definitely one of the most challenging waves I've ever surfed."
"As always this is a bodyboarding wave, Gastao Entrudo a pro from home called me up as asked if I wanted to hit up this wave with him. It had been the best week in Portugal of the year and the last thing that I wanted was to go on this stormy mission, but I just couldn't say no. I grew up with the bodyboarders in Portugal and they are the ones who always pushed me deeper, so it was about time to get myself involved. A boogie filmer on a boogie wave invited by a boogie? A once in a lifetime story and I loved it.
We ended up scoring the best swell of the winter in Portugal and then this slab. Ten days of epic surfing and Marco left with an impression that this is how it always rolls in Europe. Nic von Rupp
"Nuno Cardoso the filmer is the piooner of all the heavy water filming in Portugal. Plus Joao Brek Bracourt in the water shooting stills and Marco Giorgi a Brazilian and a really good friend ever since we were groms competing in the ISA. He always wanted to come over to Portugal and finally managed it after 10 years. We ended up scoring the best swell of the winter in Portugal and then this slab. Ten days of epic surfing and Marco left with an impression that this is how it always rolls in Europe!"
"I've always wanted to get here but it is hard to get the right conditions, tide swell direction, size, and wind play a huge role here more than anywhere. It's always a gamble to go over and you never know as a small degree in swell direction can blow out the whole size. But this swell was three days of epic swell, perfect direction and ideal tides.
"Gastao gave me a good idea of what to expect. I knew the wave I'd seen pictures of it but this was a 6 metre swell and double the size of what you usually go over for here but Gaston was on a mission to get it as big as it holds and we just floated with it."
"It's a scary wave but I want go back for sure. Maybe with a ski next time as you couldn't paddle the big big ones with a normal board. We weren't under-gunned because it's a slab and you want to have a short board to take-off underneath the lip but the big ones were unmakable in our eyes."
"Nic rang me the night before and I took a four hour bus to Lisbon and at 6am met him at the airport." Said photographer, Joao Brek Bracourt. "The swell was massive for 3 straight days, barrel-after-barrel with the ocasional visit to the lava rocks. There wasn't a single maneuver performed. We drove past a 5 foot super perfect long left peeling 200 meters as we drove to the slab no one bothered to surf.
The swell was massive for 3 straight days, barrel-after-barrel with the ocasional visit to the lava rocks.Joao Brek Bracourt
"Nic's performance was humbling because he pushed me deep and with wide sets sweeping the chanel it was a bit scary. Shooting him in the water is both nice and scary because he goes on beasts of waves. Marco Giorgi is a super-classy guy who draws a pure surfing line. But next time I will wear a helmet for sure, super dangerous spot, I hit the bottom one time but just some minor cuts. I want to return to get to know the wave better, feel more confortable in the water and get some clear skies inside those bombs.
"The locals were super mellow and friendly, they were mostly bodyboarders apart from local Hugo Vau (XXL nominee) but he was in Nazare. They got us a cheap place, but it was very humid, it rains a lot in the Azores, the food is great both fish and meat we went out to a nice restaurant one day and check the night life a bit, but it was mostly eat, sleep, surf. They call the typical weather here the "bruma", mist, often a lack of sunshine, they say they have the four seasons in one day and that's certainly true. A bit like Galicia with big storms and super strong winds.
Ramdon fact: Brek was keen to draw attention to the often fatal local pastime on this particular island of bull fighting on the streets. "It's with a rope and it's insane, every year some guys get killed." You can see a video here.


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The market for corporate borrowing through commercial paper contracted by the most in more than two years as U.S. money-market funds reduce purchases of the short-term IOUs.
The seasonally adjusted amount of U.S. commercial paper plunged $42.5 billion to $1.02 trillion outstanding in the week ended yesterday, the sixth decrease in seven weeks, the Federal Reserve said today on its website. The decline was the biggest since the week ended Dec. 1, 2010 when the market fell $44.3 billion, and the lowest level outstanding since Nov. 21.
Demand from money-market funds, among the biggest buyers of commercial paper, has declined this year, while companies have been able to issue longer-term debt in the corporate-bond market at about record-low borrowing costs. Total assets in the funds have decreased to $2.663 trillion in the week ended Feb. 27 from $2.716 trillion for the period ended Jan. 9, according to the Investment Company Institute.
"The largest factor has been a decline in money-market funds," Howard Simons, strategist at Bianco Research LLC in Chicago, wrote in an e-mail. "Second, the continued compression in credit spreads has encouraged borrowers to lock in funding in the bond market."
Commercial paper sold by non-U.S. financial institutions dropped $13.7 billion to $205.2 billion outstanding, the lowest level since the week ended Nov. 21, while the amount issued by U.S.-based banks fell $9.4 billion to $308 billion, the least since the period ended Dec. 19, according to the Fed.
"U.S. commercial banks have substantially reduced their reliance on short-term financing," Barclays Plc analysts led by Joseph Abate wrote in a report today. "They have replaced CP and large time deposits with proportionally more retail deposit funding, which is seen as more stable and less flight-prone."
Corporations sell commercial paper, typically maturing in 270 days or less, to fund everyday activities such as rent and salaries.
Bloomberg News


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Why do Africans have large noses and lips?
Human Anatomy, Physiology, and Medicine. Anything human!
Moderator: BioTeam
Re: Why do Africans have large noses and lips?
This is ridiculous. Not all Africans have large noses and lips the same as all whites don't have small noses and lips. We all have different traits. Africans are some of the most diverse people in the world. The range from a multitude of skin colors and have different hair textures and eye colors. Some Africans even have dark skin yellow blond kinky hair and blue eyes. It is just the way genetics work. Focusing on our differences breeds racism. As a human race we need to focus more on our similarities and leave the vanity behind.
Re: Why do Africans have large noses and lips?
True, and maybe worth repeating. But why resurect such an absurd and stupid thread?
Science has proof without any certainty. Creationists have certainty without
any proof. (Ashley Montague)
Re: Why do Africans have large noses and lips?
I came across this forum while researching nose sizes. Large "honkers" seem to run in my family on my father's side so I got curious.
First, Africans/blacks do not have "large" noses but rather "broad" noses with extra nostril skin. The same may apply to lip thickness. I went through a curious adolescence. For awhile there, my lip thickness increased then as the rest of my body caught up, they thinned out. So lip thickness may have more to do with skull development and teeth placement. I also have broad nostrils. But upon examination, it seems I have the nostril skin to accommodate a "large" nose but my nose's bone structure did not need it. So there are two elements involved here. The skin amount to accommodate the bone structure and the bone structure itself.
Secondly, ethnic groups that I have noticed have "large" noses are:
Jews, Italians, some middle easterners, some French and curiously enough...Native Americans.
Chelsea Peretti (Italin-Jew)http://upload.wikimedia.org/wikipedia/commons/thumb/7/7a/Chelsea_Peretti.jpg/300px-Chelsea_Peretti.jpg
With a spectrum that broad it's hard to say where the "large" nose originates or why.
This is a scientific forum - so suggest folks avoid the politically-correct responses including calls of racism. The question should be why the original poster thinks the statement to be true - and an unreferenced subjective discussion from 1880 is not evidence.
Re: Why do Africans have large noses and lips?
One of my student asked me this question and I was unable to answer. But after reading all the comments, especially robpdx's, my personal theory, which I elaborated about English people vs. French people's lips, is that language seems to have an effect on lips size. A lot of English people have very thin lips, especially compared to the French. If you watch a french person speak french, you can see that their lips move a lot more than an english speaker's lips would. To speak french properly you need to articulate a lot more than in english, thus you use more muscles.
Maybe this could explain why some african people have larger lips and some don't. Maybe their language needs to be very articulated. Could be worth looking into!
Re: Why do Africans have large noses and lips?
Dont you think your cause-effects is a little convoluted. The language comes later so people with certain lip shapes should already be there before they invented the language. You can always attribute people's looks in a population to a possible etiology of founder effect, migration and basically gene drift. You dont always have to go the people just "evolved" that way. In order for people to "evolve" that way you need a strong pressure to do so. You know how that works right
by theewtgy » Wed Jan 05, 2011 10:15 pm
"It is dangerous to refer to the physical features of any race as "normal". That is the same attitude which lead to the genocide in Rwanda."
that was pure stupidity.. the rwandan genocide didnt happen over looks.. it happened because the president(a tutsi) was assassinated when his plane was shot down, sooooo the tutsi's went ape scheiss.. and killed off a lil over 800,000 hutu's. without finding out who actually shot the plane down, on a side note the better question would be "why are african americans overly aggressive, and why are they allowed to be racist. yet complain about racism?"
Re: Why do Africans have large noses and lips?
but then you're saying that the Africans are normal and the non-Africans are different, don't you? To avoid this you've had to ask "Why have different people different noses and lips?"
Anyway, the reason why this is probably put as it is, is probably that we have more races - Caucasians, Africans, Asians. So, if you think (which doesn't mean it's true as was shown in this topic), that one of them differs, you will probably ask, why this one differs, because they are minority and not ask, why the other differ, if there is more of them.
Cis or trans? That's what matters.
Re: Why do Africans have large noses and lips?
You are reading way too much into this. I understand your point and where you're coming from, but I would ask the question the exact same way. Not because I think black people are not "normal" or they're inferior or anything of that sort. It's because for me, and probably the thread starter, where I live people of African descent are a clear minority. So these facial features, at least where I am, are not common.
Also, not all Africans have these features, and from what I understand in some areas of Africa it's very common, and in other areas it isn't. I live in the US, and most black people in this part of the world do tend to have wider noses. If I lived in Africa, i would probably ask the question "Why do non-Africans have small noses and lips?" just because it's not what I'd be used to seeing.
You are making a mountain out of a mole hill. Please think a little bit more before starting an argument like this. Again though, I DO understand where you're coming from and can see why it might annoy you but you seem to make the assumption that most people are racist against Africans and you're being overly defensive.
Wow, did this thread get hijacked. (Not that my post is helping, but that ship has already sailed.)
Re: Why do Africans have large noses and lips?
3 years and 23 replies....perhaps it is time to point out that vitamin D doesn't come from the sun! (nor does our supply of vitamin D arrive transdermally)
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High school boys golf: Edgerton posts low score at Ashenfelter Invitational
JANESVILLE—Hunter Pipik spent three years watching and waiting.
His older brother, Drew, has been part of a group that has helped Edgerton High's boys golf program grow into a perennial Division 2 state-title contender.
Now, with one year to play together at the high school level, the Pipik brothers are taking advantage of it. They've got their sights set on delivering a second state title in three years to Edgerton, and they took a step forward Saturday by winning the Ashenfelter Invitational.
The Pipiks, along with Brooks and Caleb Johnson (no relation), teamed up to shoot 315, the lowest score in either Division 1 or 2, at Riverside Golf Course.
"This is a lot of fun," said Drew Pipik, who shot a team-best 4-over-par 76 to place third among D2 medalists. "My brother watched me for three years before he got his opportunity, and now he's getting it and making the most of it, I would say.
"Brooks isn't too happy about his round, but we played pretty well. I think we have the capability of shooting in the low 300s consistently."
Marquette University High School took the Division 1 title, shooting 319 to beat Beloit Memorial by eight strokes. Beloit's Kolton Kelley successfully defended his Division 1 medalist title from a year ago, shooting a 74.
Janesville Parker fired its lowest round of the year, a 342, to finish sixth. Janesville Craig shot 371.
But the day belonged to the Crimson Tide, who saw all four golfers medal as top-10 finishers. Hunter Pipik shot a 79, while both Johnsons shot 80.
"It was nice to beat all the Division 1 teams, because the low score in this tournament is a big deal," first-year Edgerton coach Mike Hesselman said. "They get competitive with each other, which helps the team. Every single one of them wants to be the low score on any day."
That's certainly the case within the sibling rivalry.
The Pipiks moved to Edgerton from Racine eight years ago, and the Edgerton Country Club became their backyard. Drew and Hunter never took a lesson, according to their father Gary, but spent countless hours around the practice green.
"Dad wanted to get us involved, so he'd take us out there every weekend," Hunter said. "We just started living on the golf course."
"(Hunter) beat me for the first time a couple tournaments ago," Drew said with a laugh. "So I heard about that one a little bit.
"But we're just trying to win tournaments (as a team), mainly. Maybe when we're in our 30s (Hunter and I) will play together and really duke it out there."
Kelley repeats as champ
Kolton Kelley has a short-term memory.
The Beloit Memorial senior made three consecutive double bogeys Friday at his home tournament to shoot himself out of contention, and Kelley was in trouble again through 12 holes Saturday.
But he put the weekend struggles behind him, birdieing three of his final six holes to defend his Ashenfelter medalist title.
"Today was really interesting," Kelley said. "I started the back nine with three bogeys, but finished my last six holes 3-under. I finished how I wanted to.
"It's basically just knowing you can do it. I have complete confidence that birdies are out there and opportunities are everywhere."
Janesville teams see progress
Parker's Bob Eicher was happy enough that his first Ashenfelter tournament as head coach went smoothly.
It took a moment afterward to realize his Vikings placed sixth, shooting a 342—their lowest total of the year.
Senior John Milner, a state qualifier last year, shot a team-best 77. Bobby Wyss shot an 83.
"I was really happy with our scores," Eicher said. "Sam Kisting, shooting a 93, he didn't play golf at all and is a senior this year. This is his first season, and that's been a wonderful addition."
Janesville Craig shot 371, with Sawyer Hrycay participating in his first big tournament. Senior Nolan Moran fired an 81 for team low.
"I talked with Nolan when he got to 12 and I said, 'Why don't you par out?'" Craig assistant coach Dave Langowski said. "And that's exactly what he did.
"We're gaining on it; the confidence is building."
Ashenfelter Invitational
Division 1
Marquette University High School 319, Beloit Memorial 327, Hartland Arrowhead 332, Mukwonago 333, Kettle Moraine 335, Janesville Parker 342, Lake Geneva Badger 343, Watertown 348, Franklin 352, Kenosha Tremper 358, Waukesha South 368, Madison East 370, Oconomowoc 370, Janesville Craig 371, Madison West 386, Madison La Follette 462.
1. Kolton Kelley (Beloit), 74; 2. David Keans (Marquette), 76; 3. Johnathan Duggan (Badger), 76; 4. Ben Nichols (Oconomowoc), 76; 5. John Milner (Parker), 77.
Beloit (327)—Kolton Kelley, 36-38—74; Sam Klobucar, 44-39—83; John Polglaze, 42-41—83; John West, 43-44—87.
Parker (342)—John Milner, 38-39—77; Jordan Manthey, 41-47—88; Bobby Wyss, 39-44—83; Sam Kisting, 45-49—94.
Badger (343)—Johnathan Duggan, 38-38—76; Jackson Rademacher, 41-41—82; Alec Jacobsen, 46-53—99; Tom Schneider, 39-47—96.
Craig (371)—Nolan Moran, 40-41—81; Troy Lipker, 45-46—91; Christian Dare, 47-47—94; Sawyer Hrycay, 53-52—105.
Division 2
Edgerton 315, Fort Atkinson 323, Burlington 332, Beaver Dam 337, Waukesha Catholic Memorial 344, Racine St. Catherine's 348, Grafton 355, The Prairie School 365, Orfordville Parkview 372, Milwaukee Pius 386, Racine Lutheran 391, Cuba City 433.
1. Nate Gilbert (Fort Atkinson), 74; 2. Brian Dankle (Burlington), 75; 3. Drew Pipik (Edgerton), 76; 4. Ian Statz (Beaver Dam), 77; 5. Adam Gabbey (St. Catherine's), 78.
Edgerton (315)—Drew Pipik, 37-39—76; Brooks Johnson, 41-39—80; Caleb Johnson, 38-42—80; Hunter Pipik, 42-37—79.
Parkview (372)—Christian Hobson, 42-43—85; Levi Halterman, 48-43—91; Andrew Johnson, 49-49—98; Patrick Fitzgerald, 48-50—98.


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A rock musical with the greatest hits of the '80s.
There are musicals. There's rock and roll. There are even rock musicals. And then there's Broadway's newest addition, Rock of Ages, which manages to proudly represent and lampoon all three with rocking, outrageous flair. The new and improved production, showcasing tunes from chart-toppers like Styx, Bon Jovi and Poison, officially had its rollicking opening night on Broadway April 7, ending the winding journey that has brought the 80's rock phenomenon from Los Angeles to off-Broadway to the Great White Way. Rock of Ages suitably pulled a bevy of rock attired, metal-sign waving supporters out to the Brooks Atkinson Theater, giving a wild opening performance before leading its groupies to a post-show bash/rock concert at the Hotel Edison that featured performances by bands Nightranger (whose lead guitarist, Joel Hoekstra, is featured in the ROA onstage band), January Jane (with star


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After 30 years, D.S. Pledger turns in outdoor pen
Many years ago as a small boy growing up in Northern Wisconsin, I learned the difference between "outdoors" and "indoors."
It seemed to me that a good 90 percent of things worth doing took place in the former.
Thus began my first outdoors column that was published on May 8th of 1984. It seems appropriate that it should also be the lead sentence of my final column 30 years later.
After writing three decades worth of pieces on the opening weekend of hunting season, the arrival of the seasons, and other annual events, I've pretty much run out of anything resembling a new angle on them. Indeed, it's probably high time that I pass this space on to someone with a different slant on things.
I'm sure that everyone is pretty aware (and perhaps a little tired) of my views on technology in the outdoors and all the shortcuts to success in outdoor endeavors that have become the norm these days.
I also suspect that some Gazette readers—especially the younger generation who might not have been born when I started writing—would like to read about topics such as ATVs, snowmobiles, crossbows, jet skis, fishing tournaments and various other things that I have no interest in, and, therefore, never include in my writing.
Over the years I've cranked out something like 2,000 pieces, give or take a few hundred (for many years my column appeared twice a week). Calculating on an average of about 650 words each, that's 1.3 million words, or a single-width column of newsprint 10 football fields long.
No wonder I'm starting to get tired!
During my tenure on this page, I've seen many changes.
My early articles were handwritten and delivered to the Gazette in person on my way to work. There was a photo lab where we rolled our own film, shot it, developed it, made proof sheets and printed the negatives on an enlarger.
Now, of course, all of that is gone, and the photo lab is an office. Everything is done on computer and sent over the Internet.
The DNR still had an Ethics Board in 1984 that decried things like using bait to attract deer as unsporting, and the crossbow was scorned as the tool of the poacher. We didn't have 26 different .30-caliber rifles, and there were, perhaps, only half a dozen patterns of camouflage.
Yes, things have changed a lot.
There is, however, one thing that has remained, and that's a basic truth about the outdoors.
Going back again to that first column, I ended it with Thoreau's famous quote "in wildness is the preservation of the world."
I've always taken this to mean, I wrote, that the things of nature are what keep modern man sane. Should we ever see the day when urban sprawl takes over the countryside, we'll have lost our last escape from the pressures of living in a crowded, noisy society.
I've yet to see a person fail to benefit physically or mentally from time spent in the out-of-doors, whether it's biking along a quiet country lane in the heat and lushness of July, guiding a canoe through the foam and thunder of a wild river, or laboring in hip boots through the mud and ooze of a partially frozen marsh to a duck blind in the half-light just before dawn.
Outdoors experiences, whatever they are, seem to put one's cares on the back burner for a time and have a way of rejuvenating the spirit, while the fresh air, and exercise involved help firm up that sedentary flab that infects many of us city dwellers.
While our memories of parties or trips to an amusement park may fade rather quickly, a disproportionate number of outdoor experiences remain vividly etched in our memory.
Perhaps our subconscious minds are trying to tell us something.
D.S. Pledger is an outdoors columnist for The Gazette. Email him at email@example.com


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Fraud Fighting Features New at CU*Answers
Two more credit unions have bought shares of CU*Answers, giving it a record 14 new owners in a year and pushing the ownership list to 107 credit unions, also a new record.
The newest owners are the $194 million MidUSA CU in Middletown, Ohio, and the $13 million Rockford Community FCU in Rockford, Mich., CU*Answers said.
"As a cooperative CUSO, it is a documented goal to provide every credit union utilizing the CU*BASE® processing system with an affordable option to become a CU*Answers owner," said Scott Page, executive vice president of the Grand Rapids, Mich.-based organization.
The CUSO also said it has added a new security feature to its CU*BASE core processing system, software that detects anomalous transactions and patterns. The original idea was to facilitate compliance FFIEC guidance but the concept grew.
"We took it to whole new level to not only include the ability to use cross-channel parameters but then also included the ability to configure those transaction types which would uncover elderly abuse as well," said Jim Vilker, head of the Audit Link division at CU*Answers Management Services.
There now are 201 credit unions running on the CU* BASE platform, the CUSO said, including 162 directly, 24 through CU*NorthWest in Liberty Lake, Wash., and 15 through CU*South in Fairhope, Ala., both cuasterisk network partners.


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Open Jump May 3rd - Friday - 4:30pm to 5:40pm FREE glow lasers & glow necklaces!!! (70 minutes of Jump time)
JUMPnasium kids Parties and More
Friday, May 3, 2013 from 4:30 PM to 5:40 PM (EDT)
Please arrive no more then 10 minutes prior and we do start on time.
Come Jump with us and eat at Hollywood Pizza or Houlihan's for FREE!*
JUMP REWARDS Dining Partners!
Present this coupon at our counter to receive one FREE kids meal for every adult meal that is purchased
when purchasing a Open Jump ticket!
(up to a $6.95 Value!)
North Jersey's largest & cleanest indoor infalatable party center.
Voted best place to have a party by Best of Essex magzine 2013 Gold Winner!
Have your next play date with us and have a blast!
Giant Inflatables, Trampoline Basketball and many other fun things to do!
In order to purchase these tickets in installments, you'll need an Eventbrite account. Log in or sign up for a free account to continue.


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UW-W Chancellor Richard Telfer to be interim UW System leader
Gazette staff
Wednesday, October 16, 2013
WHITEWATER—UW-Whitewater Chancellor Richard Telfer has agreed to serve as the interim president of the UW System, according to a UW System news release.
He takes the position Jan. 1, according to the release.
Check back for updates on this breaking news story.


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Shirley A. Gorman, Janesville, WI (1945-2013)
February 14, 1945 - December 1, 2013
Shirley A. Gorman, age 68, of Janesville, died on Sunday, Dec. 1, 2013, at Mercy Hospital & Trauma Center. She was born in Richland Center on Feb. 14, 1945, the daughter of Walter and Bessie (Higginbotham) Cooper. She was raised in Lone Rock, and graduated from River Valley High School in 1964. Shirley married Vincent "Pat" Gorman in St. Patrick's Catholic Church, Janesville, on Feb. 27, 1965. She had been employed by Prent Corporation for 38 years and retired in October of 2013. She was a member of St. William Catholic Church. Shirley enjoyed bowling in her earlier years, tending to her flower gardens, was an avid bird watcher, and was a Conway Twitty fan. But most of all, she dearly loved her grandchildren and attending their activities.
Shirley is survived by her husband, Pat; two children, Randy (Nancy) Gorman and Mark (Stacy) Gorman, both of Janesville; five grandchildren: Claire, Allyson and Jay Gorman, Bria and Brooke Gorman; one sister, Betty Christianson of Richland Center; her in-laws: Mary Gorman of Lone Rock, Jim (Judy) Gorman of Janesville, Dave (Dorothy) Gorman of Janesville, and Mary Ellen (Jerry) Boettcher of Sauk City; numerous nieces, nephews, other relatives and friends. She was preceded in death by her parents; brother, Danny Cooper; infant sister, Linda Cooper; and two brothers-in-law, Tom Gorman and Raymond Christianson.
A Mass of Christian Burial will be celebrated at 11 a.m. on Thursday, Dec. 5, 2013, at ST. WILLIAM CATHOLIC CHURCH with Rev. John Auby officiating. A visitation will be held on Thursday from
9 until 11 a.m. at the CHURCH. Interment will be in Mt. Olivet Cemetery. Memorials may be made to St. William Catholic Church, Janesville. SCHNEIDER APFEL SCHNEIDER & SCHNEIDER FUNERAL HOME & CREMATORY is assisting the family. For on-line condolences and registry: www.schneiderfuneraldirectors.com


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text:
Slideshow: Samsung cagey on smartphone SoC at ISSCC
8 comments
SAN FRANCISCO Yongmin Shin stood at the lectern facing a long line of his competitors queued up at the microphone. It was a moment of truthand obfuscation.
He had just described some of the inner workings of Samsungs latest mobile applications processor in one of the most anticipated talks at the International Solid State Circuits Conference. Now engineers from Apple, Qualcomm, Intel and other rivals were ready to lob questions at him.
First to the mic was an engineer from Apple, one of Samsungs largest customers and biggest rivals. The two companies pounded each other over patent infringement in a San Jose courtroom just six months earlier.
The Apple engineer wanted to know details about the method Shin sketched out turning down the dial on the power supply to the chip as it decreases in data rate (below). It depends on case by case circumstances, said Shin deflecting the question, and sparking a few chuckles in the audience.
Click on image to enlarge.
An Analog Devices engineer went next, digging deeper."Does it really make sense to burn up to six times the power in an array of ARM Cortex A15 cores for just twice the performance of an array of A7s?," he asked.
Thats a good question, Shin responded. Sometimes we have to use high power dissipation because we have to hit the performance target of the application, he said defending the ARM big.little approach of the Samsung chip he described.
How do you know when to switch between the big bank of A15s and the little bank of A7s, asked the ADI engineer in a counter-punch.
I am just a circuit engineer, not the software guy--they can explain about this, he said, again deflecting the question and getting a laugh from the audience.
Next an Intel engineer wanted to know the latency when switching between the two CPU banks. This is a circuit conference not a software conference, I cannot answer that, Shin said, setting off another wave of laughs.


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- Product Details
Get your Dad's taste buds dancing with our Personalised Retro Sweet Shop Jar - Father's Day Classic. And with this much sugar, his feet might not be able to keep still either.
850g or a massive 1650g of sugary delights are on offer with this sensational present. Enough to satisfy even the sweetest toothed patriarch.
Our "Daddy You're the Best Dad In the World, Happy Father's Day" fixed text has been printed on the front with the highest standard full colour printing process. Just tell us what message you would like to sit underneath.
With two lines of 20 characters available, there's plenty of room for anything you want to say.
This present then comes together in an elegant keepsake jar that he can keep with him every day of the year.
It's the perfect treat for your Dad to celebrate, and a wonderful gift to share.
1.8Lt jar measures approx. H:19cm W:10cm D:10cm.
4.5Lt jar measures approx. H:26cm W:15cm D:15cm.
1.8 litre jar approximate weight including contents: 862gr
- Flying Saucers
- Fizzers
- Parma Violets
- Mini Love Heart Roll
- Drumsticks Lollies
- Double Lollies
- Fruity Pops
- Sherbet Straws
- Candy Lipstick
- Candy Whistle
- White Mouse Bar
- Double Dip
- Fruit Salad
- Black Jacks
- Refresher Chew
- Gobstoppers
- Bon Bons
- Giant Cola
- Banana
- Fried Eggs
- Foam Shrimps
- Jelly Babies
- Jelly Bean
- Candy Sticks
4.5 litre jar approximate weight including contents: 1632gr
- Flying Saucers
- Fried Eggs
- Fruit Sherbets
- White Mice Bar
- Double Dip
- Mini Love Heart Roll
- Black Jacks
- Fruit Salad
- Candy Sticks
- Bon Bons
- Flumps
- Candy Necklace
- Candy Love Heart Lipstick
- Candy Whistle
- Palma Violets
- Packet of Jassies
- Fruity pops
- Fizzers
- Rainbow drops
- Sherbet Straws
- Giant Cola
- Bananas
- Foam Shrimps
- Jelly Babies
- Double Lollies
- Drumsticks Lollies
- Gobstoppers
- Anglo Bubbly
- Refresher Chews
- Jelly hearts
- Candy Sticks
May contain nuts and not suitable for children under 36 months.
Not suitable for vegetarians.
Contents may vary.
- Customer Review
- Delivery & Returns
We are aware of how important it is for you to receive your gifts in time. Therefore, once you place your order we will process straight away and dispatch as soon as they are ready to go. We usually dispatch all items within 1-3 day, however, this may be a little longer during special occasions such as Mother's Day, Father's Day, Christmas, etc. If multiple items ordered, we may despatch items separately or all together, depending on the process.
*2nd CLASS
Sent via 2nd Class Mail for only £3.99.
*1st CLASS
Sent via 1st Class Mail for only £4.99.
Orders received by 1 pm Monday to Friday, sent via courier tracked service for only £9.99. Delivery for Mon to Fri only.
Orders received by 1 pm Monday to Friday, sent via courier tracked service for only £11.99. Delivery Saturday only.
Orders received by 1 pm Monday to Friday, sent via courier tracked service for only £11.99. Delivery Sunday only.
The cost for delivery to European countries is calculated based on the destination. Please allow approx. 2-5 working days from dispatch, however, this is not guaranteed.
Below areas will incur a remote area surcharge - £30
*Italy: Livigno & Trepalle, San Marino, Vatican City
*Spain: Ceuta, Melilla
*Finland: Aland Islands
*Free delivery excludes items that are on offer or discounted from the original price and sent via 2nd Class Royal Mail, only UK.
*2nd Class Royal Mail - Royal Mail aim to deliver within two to three days, however, this is not guaranteed by Royal Mail, only UK.
*1st Class Royal Mail - Royal Mail aim to deliver your order one to two days, however, this is not guaranteed by Royal Mail, only UK.
*Premium Tracked - Royal Mail aim to deliver your order the next day, however, this is not guaranteed by Royal Mail, only UK.
*Next Working Day - All Orders placed before 1 pm will be delivered next working day (Excludes Northern Ireland, Overseas UK addresses, and Parts of Scotland).
*Saturday & Sunday Delivery - All Orders placed before 1 pm will be delivered Saturday (Excludes Northern Ireland, Overseas UK addresses, and Parts of Scotland).
*All our items require production time and this is stated on individual product pages.
*Our working hours: Mon to Fri / 9am to 5pm.
We're sure that you will be satisfied with your purchase and we also understand that sometimes you may want to return. We keep this process simple! Just contact us if you wish to return goods. Please note: personalised, made-to-order and perishable items are non-refundable.
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Today's Red Leaf Tea Special
Ruth G has just earned 2 MORE free match teas!! No stopping here now :-) LOL. Congratulations.
Once again, I'm looking for 10 brave souls to help me with new product samples. I have 4 green matcha teas, 3 different white matcha teas and 2 different black matcha teas for sampling (unflavored matcha). I'm looking for someone that will give me their opinion regarding what they think of the quality, value and flavor of those products.
The price for any combination is only $1 + shipping fee.
I have to charge a $1 or PayPal will reject the purchase since you would be paying for shipping and nothing for the product as if you did not buy any product at all.
I will post a link to a survey page where you can give your opinion.
Product is only accessible by this link. Limit 1 per person.
let me know if you have any questions.
Here a link for the survey:
sweet, I'll be your matcha guinea pig!
This calls for a matcha tasting party! In which everyone gets very hyper from all the caffeine.
I'm sorry for the high shipping fee, but after the recent price increase from Post Office, 3oz order that used to cost a bit over $3 to ship, now costs almost $7!! I do not mind giving away the product for free, but I can not pay for shipping. I can not even give you a discount on this since we do not make any money on shipping. These are the quotes coming straight from the Post Office.
No trouble, I realized that afterward (and deleted my comment). My comp is just having trouble loading the website, but I'm gonna order some.
I'm upset as much as you are. I knew the price was going to go up a bit, but to make it over 2x expensive is outrageous. I'm afraid of loosing all our Canadian and UK customers.
At least with this Sampler Pack you get 9 different matcha samples, so even with the higher postage fee, it's still a good price.
I just ordered my sampler, plus the Bavarian Cream. Shipping was just under $6.00, so not that bad, considering all that matcha is coming!
Just ordered! I'm enjoying your green and black matchas and am looking forward to trying the white as well.
If I stopped ordering tea from the US I would have nowhere to order from. A few dollars wont break the bank, I just order bigger quantities, less frequently.
Wait. 10 people didn't respond. Is it too late?
Over 10 people already made a purchase. Sorry.
I will have something again next month. I'm working on a new product and I will need some help testing it :-)
No reason for apologies. Thanks for your use of this site so heavily for brand awareness and promotions.
Are you still doing giving out the codes?
If you are I'd love to review people once I've tried the sample. I have a strong feeling I'm going to love them and want to share the love.
We'll be closing this program at the end of next week. If you feel a week will be enough for you to spread the work, contact me at [email protected] with your full name and I'll give you the code.
Got it. Your code is RSP39
Let me know if you need anything else.
The only other thing I wanted to know was when to expect my special sampler in the mail.
I'm going to start sharing the code now :)
All matcha tea samplers will be shipped on Monday :-)
Sara C. just earned 2 free matcha teas. Congratulations
Does Red Leaf Tea currently have any promotions for black tea?
No, I'm sorry. At this moment we only have promos for Matcha teas.
Yes, I've read many excellent comments about their black teas. That's why I inquired.
Please note that 50% promo for new customers with special codes will end as of Friday 2/15/13.
Also, Ruth G. has just earned 2 free matcha teas :-)
thanks for the heads up! I know the few people who tried through me have all really enjoyed the matcha they ordered.
I may want to place an order as a new customer. How would I go about obtaining a promo code?
haha i say use azzrian's as she posted first :) but yes a bunch of folks have a code and it's a fantastic deal, especially if you're hesitant at trying flavoured matcha (though red leaf also has some excellent unflavoured match i've been told)
Aweee – just use any of us steepster's codes here – we often share amongst us anyway :)
Thanks very much…The discount is amazing, but the shipping not so much. I'm sure I will pop for it soon:).
As of now we have a special that for people that will buy matcha teas (only matcha teas):
For USA customers free shipping for orders over $47
For Outside customers free shipping for orders over $71
Can the both the discount and the free shipping over $47 be used? Is there a code for the free shipping? Thank you!
Pretty sure when you have enough in your cart to warrant free shipping it just gets reduced to free. At least that is how it has been in the past.
The free shipping should work for the amount AFTER the discount, but I know there was an error in the set up and couple order got free shipping to Canada even though the final order was below $71. Oh well, my loss is your gain :-)
Sara C. just earned another 2 free matcha teas. Congratulations!!!
Man thank you to whomever ordered this one! I've bugged a few people so I wish i knew who to thank and also who to follow up with to see whether they enjoyed it or not.
A Manipulative Moment With Azzrian:
Send EVERYONE that you asked to order a thank you. When they reply confused having to confess that they did not order just reply: Oh my mistake someone placed an order and I so gratefully received two free matcha I just assumed it was you.
Then they may feel bad and make an order themselves. :)
Or not. :(
I might have to try that, I've yet to have anyone bite and use my code yet and I'm getting impatient lol.
Try posting the code here, so that there is a chance if anyone reads this posts, may use your code. I also recommend posting it on Facebook and Tweeter.
Good idea. I don't have a twitter but I posted on facebook. I also posted on a few message bords I frequent.
Anyone who's looking for some Matcha use my code and I'll love you forever ;) Plus you'll get some awesome tea!
haha not a bad idea Azzrian :) mostly though i just want to thank/follow up with ppl since while there's something in it for me i DO think red leaf has great matcha and would only help promote them if i liked their matcha :)
What if I'm buying, like… 200 dollars of matcha? But also want to purchase a bunch of the other teas as well…. I live in Canada. I know I would get free shipping on the matcha, but would I have to order the other stuff separately? Or would I get free shipping on the whole order?
OK, so I'm running into an issue. It was initially giving me shipping options, etc. but now it's giving me an error "Unfortunately no shipping options are available for your location.
Please contact us and we will see about delivering to you."
Does this mean I need to split up my order? It's totaling well over 300 dollars even after the 50% discount…. LOL Let me know, because if I have to split it up I will lose the discount on the second half of the tea. :( Let me know how best to proceed. Thanks.
No you do not need to split your order.
Just to make sure, did you sign up to set up an account with us? If so, I can log on from my side and check it out. Give me your name so that I know what account to check. First name and initial of last will do.
I'm sorry for all the issues you are having
Allyson G. Red Leaf Tea userid same as my steepster. Thanks for the help! :)
Seems like you must have done something behind the scenes, because it just worked! Order placed! :) Can't wait!
I was trying a few things to see what can cause this. I'm glad it finally worked :-)
Frolic, I've never tried matcha and I thought now would be a great time with the 50% off codes, but I've been trying for the last hour to register and just can't get it to work. If I figure it out I'll use your code.
Have you checked your email? I just registered and the process is a bit antiquated but seems to be working. You are not directed to a different page after you have registered. You remain on the registration form page…
Please email me your info to [email protected] and I'll do it from administrators side. Note sure why there is a problem. I already have 3 new people registered, but I'll check it for you in case something stopped working.
I sent in all my info! My fingers are crossed x – Lol!
Got it. Working on it right now.
Your account has been created with the info you have given me.
Please note the I have changed you username and took out the special character. I'm guessing that's what has been creating a problem. You should receive the confirmation shortly via email. :-)
Welcome to our store.
Orders in!! And Frolic I used your code : RSP39
Thank you!
In honor of being my first recruit you should follow me so I can message you and arrange to send you a few samples. I see you're fairly new to the world of steepster and I'd be happy to send you a fun envelope with some tea.
You are so welcome !!! I'm following you now ; )
Azzrian just earned 6!! free matcha teas from 2 referrals.
Can someone tell me what the shelf life of the matcha is? Also, how many calories are in the flavored ones (caramel,cheesecake)? Thank you!
matcha, once opened usually has a shelf life of about 3 months, sealed about a year.
A while back the company posted on here that the flavoring lends about three calories. Otherwise, tea is regarded as having zero calories (unflavored).


text:
Marian Rose Jensen, Janesville, WI/Orfordville, WI (1928-2014)
April 21, 1928 - February 5, 2014
Marian Rose Jensen, 85, passed away Wednesday, Feb. 5, 2014, at Cedar Crest Health Care Center, Janesville. She was born April 21, 1928, on Hafeman Road, Town of Spring Valley, Rock County, the daughter of Albert and Minnie Amanda (Olson) Paulson. Marian married John Jensen Nov. 6, 1948, at Luther Valley Church. He passed away Jan. 23, 2010, after celebrating 61 years of marriage. A 1946 graduate of Orfordville High School, she enjoyed playing with the 4 Jills and a Jeep band, and school plays. A lifelong member of Luther Valley Church, for many years she was a member of the choir, a Sunday School teacher, member of the women's group and quilting group. She loved music and enjoyed singing with John at weddings, funerals, and many nursing homes. Throughout her life, she was employed at the local Orfordville Nash Auto Dealership, the Parker Pen Company, Janesville, at the grocery store for Kesslers and Dickisons, and Parkview High School, Orfordville.
Survivors include her children: one son, James (Karlene) of Janesville, and one daughter, Debi (Karl Stuvengen) Erbs of Orfordville; grandchildren: Seth Dobson, Brant (Giovanna) Dobson, Graham Jensen, Erin (Matt) Mokrohisky and Brandon (Bri Hansen) Jensen, Tanya (Chris) Keller, and Andrew, Adam, Ryan, and Megan (Skyler Mullen) Erbs; great-grandchildren: Anabella Dobson, Landon and Logan Keller, Chet Mullen; a sister-in-law, Eleanor MacGowan; and several nieces and nephews. She was preceded in death by her parents; her husband, John; son, David;' infant brother; and sister, Mildred Jones.
Funeral services will be held at LUTHER VALLEY LUTHERAN CHURCH at 11 a.m. on Monday, Feb. 10, 2014, with Pastor Mary Jean Zelle officiating. Burial will be in Luther Valley Cemetery. A visitation will be held at NEWCOMER-SILVERTHORN CHAPEL ON THE HILL, Hwy 11 and South Coon Island Road, Orfordville, from 5 until 7 p.m. on Sunday evening, and at the CHURCH on Monday from 10 until 11 a.m.
The family would like to thank the Cedar Crest Staff and Agrace HospiceCare for their excellent care and compassion.
Memorials may be made to Luther Valley Church or the Cedar Crest Foundation.


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Hit-and-run suspect ordered held on $200,000
JANESVILLE--Prosecutors are waiting to find out if vehicle parts found at the scene of a double-fatal, hit-and-run crash fit the SUV they believe Sambath Pal was driving when two motorcyclists were killed Easter Sunday.
Investigators said the damage to the 2004 Infiniti QX56 impounded when Pal was arrested in Park City, Illinois, is consistent with the crash, but the parts have not been compared to the vehicle, Rock County District Attorney David O'Leary said.
"We're waiting for that actual fitting at the crime lab," O'Leary said.
Pal, 24, is suspected of driving the SUV that crossed the centerline and hit two motorcyclists at dusk. Mitchell J. Vance, 24, and Devin J. Julius, 18, both of Janesville, died from injuries suffered in the crash.
Pal on Thursday waived extradition from Lake County, Illinois, and was transferred to the Rock County Jail later in the day. He made his initial appearance in Rock County Court on Friday and was ordered held on a $200,000 cash bond.
Pal is charged with two felony counts of hit and run resulting in death, each carrying a maximum prison sentence of 25 years and maximum fine of $100,000.
Pal's father, Saroeun Tigh of Park City, called the Rock County 911 center April 24, four days after the fatal crash. Tigh told investigators Pal had driven the Infiniti to Janesville over the weekend, and the vehicle had front-end damage when Pal returned.
Park City police went to Tigh's home, found the vehicle and arrested Pal the same day.
Pal was in Janesville during Easter weekend to visit his girlfriend, according to the complaint.
The girlfriend's mother told investigators Pal gave his girlfriend a ride to work around 5 p.m. April 20 and left again around 7:20 p.m. to pick her up from work, according to the complaint.
Assistant District Attorney Anne Nack said the girlfriend took an extra shift at work, so Pal left and drove to Woodman's grocery story to buy a bottle of wine as a gift for his girlfriend's mother.
It was on Pal's drive from Woodman's to the girlfriend's home on New Haven Drive that prosecutors believe he crossed the centerline on Highway 14 near Old Humes Road and collided with the oncoming motorcycles, Nack said.
Pal returned to the girlfriend's home sometime around sunset, although the mother could not remember the time, according to the complaint.
"He came home, hung out for a while and went to bed," Nack said.
The sheriff's office was called to the accident at 7:57 p.m.
Pal is due back in court at 4 p.m. Wednesday.


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Stomach bloating and weight gain
For discussing the functions of different structures of all organisms.
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Re: Stomach bloating and weight gain
Wow guys that's terrible. Gastrointestinal problems can really turn your world upside down, especially when no one can give you a valid explanation. Some people have many intolerances and/or allergies to foods. I had gluten intolerance, otherwise known, as Celiac Disease, for 3 years before I self-diagnosed myself for the lack of a better term. Confirmatory tests were run and validated what I thought, diagnosis: Celiac Disease. I am a skinny guy and I lost 20lbs, had gastrointestinal symptoms constantly including bloating, gas, constipation/diarrhea, cramping. I lost the weight simply because I could not stand to eat as much as often as what you would normally. During this time, I had numerous physical injuries in sports some of which would not heal. I was a recreational runner and my feet and legs began to hurt immensely. At one point, my ankles were the size of softballs and hurt-like hell. I could hardly walk and even then I was in intense pain. A fractured foot put a permanent end to the running, which had become a nightmare anyway. Eventually, after seeing different doctors about my feet and leg pain/swelling. An internal medicine doctor had the insight to order a bone densitometry scan. The diagnosis: severe osteoporesis; the bone density of an 80 year old man in someone only 22. However, taking fosamax, doing aquajogging (the equivalent of water running) and using a electrostimulator daily on my feet/legs, I have gotten to the point where I can function normally after 3 years. However, I still have to avoid stairs, no jumping, running or anything else crazy. But, the fact that I can stand for extended periods of time is nothing short of amazing. So, the reason I tell my story, even if the symptoms and circumstances are different, is to offer you guys hope that some day you to will resolve your current situation. Don't lose hope press on and you know yourself better than anyone else. If something obviously is not right-then its not right regardless of what some doctor or quack may tell you.
Re: Stomach bloating and weight gain
This post is mainly in relation to Naybelline. I experience bloating throughout the day especially after food and in the evenings. The pain varies from a constant ache to sharp pains mainly concentrated on either side. There are also other issues regarding bowel movements. I have had a scan and it has shown that I have cysts (poloycystic ovaries have been ruled out) I am currently waiting for an op to diagnose/treat Endometriosis. The specialists which I have spoken to and with the research I have done leads me to thinking this may be the cause. It may not be but thought it was worth a mention as Endometriosis, often before conformation, is often thought to be something like I.B.S! Hope you get it resolved!!
Re: Stomach bloating and weight gain
I have had several problems for the past 5 years and have not been able to get a diagnosis or basically any relief. I went to a gastro Dr. complaining of constipation,
I have recently been put on Perdium and charcoalCharcoal
Charcoal plus ds pills. Just this past month I have had a colonoscopy and multivitamin/mineral
Nothing has been found with the exception of cysts on the right ovary. The ovaries worried me so I did have the CA-125 blood test and it came back negative. The constipation have somewhat been relieved but I still have this huge bloated abdomen that starts at my belly button down to my pelvic bone. I have been complaining for the last 5 years about the severe abdomen pain, constipation and gas. It has been so bad at times that I have had to unbottom by skirt/pants. At one time I measured in the am and directly after lunch and on a mild day my ab grew 3 inches and that was on a "good" day. My problems usually occur directly after lunch. I usually eat salads, soups, chicken. No burger and fries or heavily seasoned or spicy foods. I have had several worse days. I have tried to self diagnose myself with celiac sprue as well as Candida and have followed a desperate diet of carb elimination. I was successful for a while and then all symptoms came back. 1 1/2 year ago I had several tests done including thyroid, flexible sygmoidoscopy, berium enema, upper GI, cat scan, and ultra sound. NOTHING! Not only does this control my life at times (5 out of 7 days) but I follow a strict exercise program and most people would not even think I do a situp. I seem to hold onto 20 some extra pounds in the last few years. I work out 5 days a week for 1 1/2 hours every morning consisting of running 20 minutes, alternating 45 minute classes of biking and weight training. Plus walk 3 miles every night after work. My pain is not located strictly on the right side which is the question I am always asked. I would say it is usually on the left and when pressed above my belly button besides the cramping and sharp pains in the lower ab when the bloating begins. What is my next step. I am desperate and am contemplating on going to the emergency room the next time it is severe.
Last edited by canalon on Thu Nov 19, 2009 11:04 pm, edited 1 time in total.
Reason: To remove spam and make thepost coherent
Re: Stomach bloating and weight gain
HI there - so happy to have found you all. I have all the same symptoms as you do and it really is sooooo frustrating. One thing I have noticed is that it gets worse when I am stressed out - I am in the process of moving right now so my stomach is terrible. Last year I started Bikram yoga and became obsessed with it - I ended up going 5 times a week for 3 months - very quickly after starting my stomach became normal! Unlike with other exercising, biking, running etc - it has sometimes helped a little but not nearly enough. YOGA released the stress and my stomach was amazing.. Of course keeping up that schedule was not going to work and I stopped completely - 5 months later I am back to square one and thinking of doing a different kind of yoga that is more gentle - will let you know how it goes.
Last night I decided this was stress related - I ate what I wanted for dinner (took the usual laxatives) and have woken up with my stomach really good - which will last until lunch time. During an episode yesterday I felt like the biggest person on the planet - I weigh 145 pounds and 5'6'' - so that is clearly not the case - but with the amount my stomach was bloated it was insane - my mind went a little loopy too!!
Hang in there - stay positive - we will find the answer - of which I believe is connected to the mind and our levels of stress. The more stressed we are about the condition the worse it is!! My heart goes out to all you who are suffering - will keep you posted about starting the yoga again..
Re: Stomach bloating and weight gain
I also have had this problem lately. It turns out it is my gall bladder and I will be having it removed tomorrow. I strongly recommend that any body with this problem get it checked out and don't give up until you have an answer.
Re: Stomach bloating and weight gain
What is the best diet pill available to buy without doctor's prescription? I'm looking to lose a bit of weight and I am going to start exercising daily. I need a diet pill that will help me lose weight quickly but I'm not a big fan of pills that work as laxatives but any personal experiences would greatly help aswell.
Last edited by JackBean on Wed Feb 03, 2010 11:38 am, edited 1 time in total.
Reason: link removed
Re: Stomach bloating and weight gain
There are certain tests that can be done to identify the causes of the above . I suffer from occasional bouts of IBS and stomach bloating whether I eat or not. There are many different causes for bloating.
1. Water retention. Try drinking cranberry juice and eat bananas and reduce salt intake
2. Liver toxicity (can cause weight gain). Acid imbalance can affect digestion. Try a glass of tepid water with a few drops of freshly squeezed lemon 20mins before eating breakfast to help flush toxins out of the liver. Drink plenty of water during the day. Avoid processed foods with preservatives, colourings and sugar substitutes and opt for fresh fruit, vegetables and wholegrains.
3. Blockage in the intestine - a barium swallowmeal examination may need to be done and/or ultra sound, CT scan of stomach (will also exclude problems with gallbladder, pancreas etc) A gastroenterologist will arrange this, or your GP.
4. Stomach ulcer - stomach pain, feeling of fullness may be caused by a stomach ulcer.
5. Diabetes - my Dad's stomach bloated up to an enormous size just before he was diagnosed with Type 2 diabetes. You should get a blood test done and urinalyisis to exclude this as a possibility, especially the person who has problems with frequent urination?
6. Gluten intolerance - avoid foods with gluten as this can be a cause of tiredness, digestion problems, problems absorbing vitamins which are necessary for healthy liver function and digestion.
You could try a course of probiotics like acidophilis and bifidis to aid healthy digestion. A good multivitamin will help if you're feeling run down and tired. Don't go on extreme diets to try and remedy the problem! Stick to a balanced healthy low fat, low GI healthy diet with plenty of fruits and vegetables - preferably fresh from your garden or GE free from the grocer. Stay away from takeaways and high-fat high sugar foods - these are the primary cause of weight gain! Also make sure you're not overeating. Too much food can stretch the stomach. Stick with small servings with things like meats, poultry and dairy products. You can eat as many vegetables as you want. Two pieces of fruit a day is recommended because fruit is high in sugar.
Hope this helps
Re: Stomach bloating and weight gain
I watched a Dr. Oz show the other day and on the show they discussed the problem of excessive bloating and weight gain along with the bloating. According to Dr. Oz it is a possible sign of ovarian cancer. It isn't always associated with that but can be an unusual sign of it. There was guest on the show who said for a long time she would gain and bloat so much that she look 5 months pregnant, and then her doctor found the real cause and she was treated and was just fine. So go check with your doctor to be safe! I hope it isn't this and something else but its something that should probably be check for. Hope this helps and best of luck!
Re: Stomach bloating and weight gain
Hi, I have been reading all the post in relation to the the subject. I am 27 years old and have a stomach that looks like im about to give birth at anything, As long as i can remember my belly has always been big. I dont eat very much as it leaves me in pain and is very uncomfortable when i do. Even times when i eat nothing i feel like i have had a 3 course meal, I have tried everything without results. I have been to the doc many times who look at me like im mad and tell me to eat healthy and exercise which i do anyway. This is starting to affect my life, I dont want to go out anymore due to having this large stomach. I would be grateful if anymore could offer some advice, I just dont know what to do anymore
Re: Stomach bloating and weight gain
Maybe it's time to try out some homeopathic herbal products.
Hey my name is Karen,
I tested positive for Celiac's Disease May of 2009. I went on to the Paleo Diet, and that helped me so much it was like night and day. Literally.
There was one symptom that hasn't yet resolved. I am severely distended on a regular basis. I gained 30 lbs in 6 months out of NOWHERE. I am losing my sanity trying to make sense of what is going on.
I can tell you with 100% certainty, I make the best food choices possible because I am on the Paleo Diet. If you read into it, you'll know the brilliance of it. Thepaleodiet.com
So I'm wondering, what the hell is going on with this pregnant stomach thing? It's obviously food related, but I puff up after eating a banana or broccoli. It's absurd.
All gluten, dairy, salt, and legumes have been taken out of my diet, but this is persisting. Therefore, I am inclined to think it's more organic than that.
As soon as I can, Im going to try to get H. Pylori testing. I can't make sense of anything else. Ill report back later.
Re: Stomach bloating and weight gain
I wonder if there is common thread here to some of the cases....does everyone here use a laptop at bedtime...on your lap or stomach?
Or keep a cell phone close to your hip?..in a purse?
Is it always on?
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text:
Engineering 3-D brain tissues with chip technology
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SAN FRANCISCOBorrowing from fabrication techniques used in the semiconductor industry, engineers from the Massachusetts Institute of Technology (MIT) and Harvard Medical School say they have developed a simple and inexpensive way to create three-dimensional brain tissues in a lab dish.
According to the researchers, the new technique yields tissue constructs that closely mimic the cellular composition of those in the living brain, allowing scientists to study how neurons form connections and to predict how cells from individual patients might respond to different drugs. The work also paves the way for developing bioengineered implants to replace damaged tissue for organ systems, according to the researchers.
"We think that by bringing this kind of control and manipulation into neurobiology, we can investigate many different directions," says Utkan Demirci, an assistant professor in the Harvard-MIT Division of Health Sciences and Technology.
Demirci and Ed Boyden, associate professor of biological engineering and brain and cognitive sciences at MIT's Media Lab and McGovern Institute, are senior authors of a paper describing the new technique, which appears in the Nov. 27 online edition of the journal Advanced Materials. The paper's lead author is Umut Gurkan, a postdoc at HST, Harvard Medical School and Brigham and Women's Hospital.
According to Boyden, while researchers have had some success growing artificial tissues such as liver of kidney tissues, the structure of brain tissues presents unique challenges."One of the challenges is the incredible spatial heterogeneity," Boyden said. "There are so many kinds of cells, and they have such intricate wiring."


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Whitewater seniors celebrate conference title
WHITEWATER--The Whitewater High girls basketball team celebrated its seniors—including a pair that could not play—before a game with East Troy on Thursday night.
About 90 minutes later, the Whippets celebrated the fourth conference championship in program history.
Whitewater went on a 20-0 run to end the first quarter on its way to a 58-13 home victory to close out the regular season. The Whippets won 18 of their last 19 games and finished 14-2 in the Rock Valley North Conference, matching McFarland.
"Given the fact that we hadn't had (a conference title) for almost 30 years until two years ago, it means a lot," Whitewater coach Judy Harms said. "I talk about that with them a lot, leaving their� Whippet mark."
There were a couple moments to remember before the game even began.
Whitewater recognized the six seniors on its roster—the program's career scoring leader Brooke Trewyn, Melanie Martinez, Dani Dolan, Emily Markham, Lindsay Chase and Allison Mathews.
Mathews missed most of the season with a torn ACL and was fresh out of surgery but on hand for the ceremony.
Whitewater also honored senior manager Bailey Brokmeier in a big way. East Troy coach Jeff Brown allowed Brokmeier—whose career was ended three years ago due to a medical issue—to start the game and then exit after the opening tip.
"It's moments like these that reminds us all that there's more to athletics than the scoreboard," Harms said.
By that point, the game was nearly an afterthought.
Whitewater clamped down with its full-court press to force 13 first-quarter turnovers and jumped to a 22-2 lead after eight minutes.
The Whippets never looked back, and Trewyn finished with a game-high 13 points. Juniors Sarah Schumacher and Kailey Reynolds added 12 and 10, respectively.
Whitewater won its second league title in three years. It's only others came in 1983 and 1984.
"That was obviously our first goal coming into the season, to get the conference championship," Trewyn said. "My sophomore year was great, but just to spend (this season) with my classmates and close friends is really fun.
"We started off pretty rocky in the beginning, so it's great to see that we accomplished it."
Whitewater opened the season with a 1-2 record and lost Mathews for the season shortly after.
It has rolled since then, with its only loss coming in overtime on the road against an undefeated Brodhead team.
"We had our struggles in the beginning, but to finish strong is really great," Dolan said. "We (the seniors) joke around a lot and definitely have our moments, but when it comes down to business, we always focus in and get the job done."
The Whippets, a No. 2 seed in the Division 3 WIAA tournament that begins next week, will host the winner of Evansville and Big Foot in a regional semifinal on March 7.


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