text: Microinsurance Print Connect Email Facebook Twitter LinkedIn Google+ Microinsurance is simply part of the insurance continuum with risk-pooling products that feature pricing, terms, coverage, and distribution that are intentionally designed to be appropriate for low-income people. Recently, Milliman joined forces with the MicroInsurance Centre, an internationally recognized consulting firm and microinsurance thought leader, to generate greater access to these products worldwide. Through product development, research, and advocacy services, Milliman and the MicroInsurance Centre are committed to protecting vulnerable populations against the risks that can lead people into an unending cycle of poverty: poor health, loss of crops or livestock, natural and human-made disasters, death and disability, and others. To achieve this aim, we are working with a wide range of clients, including government institutions, regulators, trade unions, non-governmental organizations (NGOs), commercial insurers, bilateral and multilateral development agencies, foundations, and others.For examples of our microinsurance reports and project case studies, please follow the links below: Press release: MicroInsurance Centre awarded competitive contract from U.N.'s IFAD Inclusive Insurance and the Sustainable Development Goals: How insurance contributes to the 2030 Agenda for Sustainable Development Event Report – Microinsurance: International Experiences and Egyptian Applications Peru preparing to take its healthcare the next step forward MicroHealth in Nigeria Pricing microinsurance products in Ethiopia Building a market for crop insurance in Ghana at the micro level Doubling productivity in rural villages What's the future of microinsurance in China? Hospital cash microinsurance product in Tanzania Healthcare in Mozambique To learn more about our work and our thinking in the field of microinsurance, click here. For more information on the MicroInsurance Centre, visit www.microinsurancecentre.org. Next steps Contact us Contact the Microinsurance Centre Press release MicroInsurance Centre to join Milliman Related videos Insuring for agriculture and catastrophic events in microinsurance Insurance innovation: A catalyst for social change Microinsurance at Milliman Localizing a microinsurance program International IndiaSwitzerlandBrazilUnited StatesPolandRomaniaIndonesiaSingaporeWorldwide


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WASHINGTON — When Republicans chose John A. Boehner as House speaker two years ago, the former plastics salesman who had served two decades in Congress finally had the job he wanted.
Trouble was, he couldn't have picked a worse time.
That reality played out again late New Year's Day, when Boehner suffered a stinging rebuke as his rambunctious tea-party-inspired majority — more conservative and less willing to compromise than he is — abandoned their leader on the "fiscal cliff" deal.
Boehner voted yes, but the majority of his majority, and even his top two lieutenants, voted no. If conventional wisdom held, the speaker's tenure would be finished.
But Boehner is expected to be reelected Thursday by a still-rebellious Republican majority. Like the political disarray within the Republican Party nationally, the GOP ranks in the House are similarly divided. The lack of a challenger with a clear line of ascent all but ensures the Ohio Republican will keep his dream job.
Influential Republican activists agitate for change, and up-and-comers in Congress muse aloud about a run. Yet no one else in the House leadership, most notably the No. 2 Republican, Rep. Eric Cantor of Virginia — Boehner's strongest rival who split with him on the fiscal cliff vote — has stepped up.
Would-be challengers are reluctant to aim for the speaker's job — and miss. Nor are they eager to take on a line of work that has proven as difficult as herding cats, keeping frogs in a wheelbarrow or, it has been said, assembling a nation out of a loose federation.
"Who wants his job right now?" said strategist Ron Bonjean, who was a top aide to an earlier GOP House speaker, J. Dennis Hastert of Illinois. "No one wants to take his place."
That is not to say the first vote in the new House, scheduled for about 1 p.m., will be without drama.
Nothing prevents a renegade Republican from putting forward another nominee, although whisperings that one was coming have all but subsided. Cantor, in fact, nominated Boehner during the party's own vote last month. And even though Rep. Tom Price of Georgia said in a radio interview that the House needed conservative, "red state" leadership, he was not expected to volunteer.
Democrats will nominate one of their own, Rep. Nancy Pelosi of San Francisco, who was the first female speaker. But they are the minority.
As the roll is called, Boehner may lose a handful, maybe a dozen, votes. Some Republicans may simply miss the vote or decline to cast one.
Pelosi endured 18 Democratic defectors the last time she was nominated.
"Members have to have serious guts to vote against the speaker when they go through and do the roll-call vote," said one GOP aide, who asked not to be named to discuss internal party politics.
On the eve of the vote, aides could not help but notice that Boehner, after abruptly halting action on a bill to provide Superstorm Sandy disaster relief this week, promised a quick vote in the new Congress, shoring up the support of the New Jersey and New York delegations.
In many ways, Boehner represents a new type of House leadership, far different from the arm-twisting pols of an earlier time — or even the political force that was Pelosi.
More aligned with the Chamber of Commerce wing than the tea party, Boehner is not of the political generation that produced the majority he now leads, many of whom came in on the 2010 conservative wave.
The speaker's job in the 113th Congress will come with similarly hard-right members, as newly safe GOP districts elected more partisan lawmakers in November.
The next two years are not likely to be much different for Boehner, whose struggles can be seen in the results. Almost every major measure — including raising the debt limit to avoid a catastrophic default and pulling the nation back from the fiscal cliff — needed Democrats to pass.
A slight cheer arose from the Pelosi side of the chamber Tuesday night as the votes clicked over the threshold to approve the fiscal cliff deal. Her power was on display.
Yet even as Boehner tries to lead his troops where they will not go, they stick with him.
Rep. Trent Franks of Arizona, one of the more conservative members of the House, said he voted against the fiscal cliff deal to stop Obama's "socialist" agenda, not to repudiate the speaker's leadership.
"The only thing you can criticize Mr. Boehner for at this point is not being able to turn lead into gold," Franks said.
Exhibiting a Sinatra-era cool, with his tailored suits, neatly barbered hair and smoke-filled office, Boehner is not easily rumpled by the raucous lawmakers he tries to lead.
The speaker may not be remembered as the most powerful, but as one who kept his power by diffusing it. Always, Boehner says, his goal is let the majority work its will.
After his plan to fix the fiscal cliff was rejected by his own ranks, Boehner explained the setback with what amounted to a shrug.
"It's not the outcome that I wanted," he said, "but that was the will of the House."

subset: commoncrawl


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Curve 3G users, rejoice! The GSM-variant of the BlackBerry Curve 3G (9300) has been updated to OS 184.108.40.2064
Warning: Please remember that this IS NOT an official release OS. If you wish to install this OS keep in mind that this may cause your phone to not function correctly. BlackBerryOS and any other BlackBerryOS Official sites are not responsible. If you are not comfortable and/or unsure as how to upgrade to this OS, please click the link below.


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June 30, 2011NJT-11-036
NEWARK, NJ — With tens of thousands of spectators expected to gather along the New Jersey Waterfront to view the annual Macy's 4th of July Fireworks display over the Hudson River, NJ TRANSIT is offering travel tips to customers planning to attend the big show.
Fourth of July Fireworks Service Overview
New Jersey's Hudson River Waterfront is accessible by NJ TRANSIT rail, bus and light rail service to Hoboken Terminal. NJ TRANSIT operates six rail lines and five bus routes with direct service to Hoboken, as well as the Hudson-Bergen Light Rail. Please note that the five bus routes and other routes that serve the Hudson River Waterfront may experience delays and detours on July 4 as a result of traffic congestion.
Rail Service
On July 4, the following rail lines will provide direct service to Hoboken:
On the Morris & Essex Lines, NJ TRANSIT will supplement existing weekend service with eight additional trains to and from Hoboken Terminal, including four trips between Dover and Hoboken, three trips between Summit and Hoboken, and an additional trip from Newark Broad Street to Hoboken. Additional trains to Hoboken before the event will operate between approximately 5:30 p.m. and 8:30 p.m. After the show, extra Morris & Essex trains will depart Hoboken at 10:05 p.m., 10:40 p.m., 11:30 p.m. and 12:25 a.m.
On the Port Jervis Line, an additional train will depart Port Jervis at 4:07 p.m., make all stops to Suffern, and then operate express to Secaucus Junction and Hoboken.
Visit njtransit.com/fireworks for rail schedule details. All other rail lines will operate on a regular weekend schedule.
Customers traveling from New York City or stations along the Northeast Corridor, North Jersey Coast or Raritan Valley lines can transfer at the Frank R. Lautenberg Station at Secaucus Junction to reach Hoboken Terminal or take PATH service to Hoboken from stations in New York, Newark, Harrison or Jersey City.
Hudson-Bergen Light Rail connects the waterfront communities of Hudson County, including service to Hoboken Terminal and Liberty State Park. On July 4, light rail service will operate on a regular weekend schedule (trains every 20 minutes). Light rail tickets can be purchased at Hoboken Terminal or any other light rail station. Visit njtransit.com for details.
Travel Advice for Customers
To help ensure a safe, enjoyable trip, NJ TRANSIT is offering the following travel tips:
Important Information for Bus Customers
On Monday, July 4, between 4 p.m. and midnight, many streets along the Hudson Waterfront will be subject to closure and traffic congestion due to the Macy's Fireworks Display over the Hudson River.
Several bus routes may experience service impacts as follows:
About NJ TRANSIT
NJ TRANSIT is the nation's largest statewide public transportation system providing more than 895,000 weekday trips on 240 bus routes, three light rail lines and 12 commuter rail lines. It is the third largest transit system in the country with 165 rail stations, 60 light rail stations and more than 18,000 bus stops linking major points in New Jersey, New York and Philadelphia.


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Free Range Chicken Drumsticks
16oz - 454g
RepBox Price £5.06/kilo
Our free range poultry is from farms that know how to produce great chicken that is naturally moist, very lean and really tastes like chicken should do. They are provided with access to open-air runs with continuous access throughout the day with a natural foraging diet which contains no corn or grain. They spend on average at least half of their life outside roaming, and eating what they find there. Happy Chickens produce the best meat!
Our Free Range Chicken Drumsticks are perfect for marinading, roasting and BBQ'ing.
All our poultry is free range and is sourced from family run farms
These farmers care for the animals and ensure that they are provided with access to open-air runs with continuous access throughout the day. These runs are covered with vegetation and they spend on average at least half of their life outside roaming, and eating what they find there.
When required the birds are brought into spacious shelters to hide them from the sometimes harsh weather conditions,
We freshly cut and pack your meaty goodies into double sealed vacuum packs to ensure the meat stays as fresh as the day we cut it! Single items like steaks and chicken breasts will be packed in pairs or 10's unless an odd number is ordered (in which case it will be in a pair and a single pack) and produce like diced and minced meat will be in portion packs of approx 454g. Your Athleat goodies are well protected and kept chilled by the bespoke packaging we have developed over years of experience.
We combine high grade foil insulation inside double strength boxes to create a mini mobile fridge that is chilled to perfection by our Athleat ice sheets all of which can be easily recycled. Unfortunately we do not have a packaging returns service at the moment.
This solution is used for UK overnight deliveries as well as those going Europe wide. Carnivores everywhere order from Athleat, safe in the knowledge that their meat will be kept COLD and fresh for up to 72 hours in transit and beyond!


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Melanie Laurent Gossip
Melanie Laurent gossip, latest news, photos, and video.
Nothing's going on here, right?
Wenn, Kevork Djansezian/ Chris Jackson/ Getty
So...you remember a few years ago, Ewan McGregor was papped with Melanie Laurent and they weren't shooting at the time and, well, it looked like they were...together? Click here for a refresher. McGregor and Laurent were working on Beginners. And they were clearly close. Full Story
Jakey's holiday leather
Jake Gyllenhaal did not get to celebrate the long weekend with his fellow Americans for Memorial Day. Instead he was in Toronto shooting An Enemy with acclaimed Canadian director Denis Villeneuve. Something about doppelgangers; Jakey plays two different men. Does the other character not have a beard? Melanie Laurent is one of his wives. Full Story
Coop goes to Paris ... after Gosling
Wenn, INF
Ryan Gosling went to Paris this weekend to pick Eva Mendes. Click here if you missed that post. After spending a couple of days there, Ryan took her back to LA.And now it's Bradley Cooper's turn to visit. Is this is a pattern? That he's always following Ryan? See now I just feel bad for him. Full Story
Ewan McGregor: Beginners & Marriage
Ewan McGregor was in New York yesterday. He's promoting his new film Beginners. There was a screening and he also dropped by David Letterman. Looks hot, right? In Beginners, Ewan learns his dad is gay. His dad is also dying from cancer. It's a cute little trailer and Christopher Plummer looks delightful and rather delighted to be playing the part. Full Story


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A military court in the city of Ashkelon extended the detention of Mohammad Saba'aneh, a Palestinian cartoonist for Al-Hayat al-Jadida, on February 28, 2013, for a second time, according to news reports. His detention was extended for eight days, Al-Hayat al-Jadida reported citing the cartoonist's lawyer.
Saba'aneh was arrested on February 16 while crossing the Allenby Bridge checkpoint from Jordan. His detention was originally extended for nine days on February 20. The cartoonist's lawyer appealed the extension and requested permission to see the journalist, in what would be the first time since the arrest.
Israeli authorities said they were investigating the cartoonist for providing services to hostile organizations, according to the cartoonist's lawyer. No formal charges have been announced.
The cartoonist has been transferred from the Jalemeh detention center to Ashkelon prison, according to news reports. Dozens of protesters staged a rally in front of the Al-Hayat al-Jadida building on February 28, 2013, to show their support for Saba'aneh and other detained Palestinians.
Saba'aneh's family issued an open letter that stated their concerns over his health and cited the recent death of Arafat Jaradat, a Palestinian man who died in Israeli custody under disputed circumstances.


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- Featured Schools
- helicopter training schools
- Utah Helicopter 5 US Locations
Utah Helicopter Flight Academy
Located at the base of the Wasatch Mountains in the Salt Lake City metropolitan area, the Idaho Falls area, and now St. George, Utah, we have access to some of the very best flying environments that provide for the ultimate training experience. You'll learn to fly Robinson R22 and R44 helicopters in varied and spectacular airspace.
What a rush it is to go out for your first time! The best part of it is that most seasoned helicopter pilots would say that it still feels that way when they fly.
Financial Aid - Responsive to financial matters
Obtaining flight instruction is a multi-faceted financial endeavor that is affected by variable factors-how much flight certification you're seeking, the number of hours it takes you to actually complete your studies and the cost of fuel. It's no secret that learning how to fly requires a substantial financial investment. And that's why we have set up an accounting system that will allow you to know in advance exactly what you're paying for and have online access to your current account balances at any time. After clarifying what you're buying, the most common question is, "How will I pay for this?" Just know that we are a valuable resource in this department as well. We can direct you to many ways to finance your aviation education.
Utah Helicopter offers up to 100% financing on approved credit (may be available for those who qualify).
Career Paths
There are many exciting and lucrative paths to follow in the world of rotor-wing aviaiton. The use of helicopters in the commercial world is constantly expanding, and obviously so is the job market. Helicopters are used in just about any application imagineable, from rounding up livestock, to policing international waters. The list below is only a partial example of the careers available today. Visit our Industry Links page to be directed to job listings and employers currently looking for pilots.
Lifeflight - Emergency Medical Services
Construction - Transport and Aerial Crane Services
Firefighting - Transport and Fire Suppresion
Search and Rescue Operations
Aerial Photography and Survey
Motion Picture Filming
Corporate/VIP Transport
Law Enforcement Operations
Oil Industry - Offshore Transport
Job placement assistance
Utah Helicopter provides placement assistance for graduates of the Career Pilot Program. We do our best to help graduates find employment. Our instructors and staff are constantly monitoring the job market. We can provide assistance locating job openings, building resumes, preparing for interviews and securing employment as professional helicopter pilots.
If your vision is to make flying your career, we'll have a list of employment options ready for you by the time you've finished your training. We're dedicated to your success from the minute you join us!
Please use the form on this page to schedule a Discovery Flight. It'll make signing up, getting started and flying the easiest decisions you'll ever make.
Copyright © 2020 Aviation Schools Online - A complete directory of aviation schools


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- Is self-contained plus downloads to your computer (PC, Mac) so you can send files to other teachers, parents and specialists
- Upload to your class website, virtual learning network or assessment files
- Choose the file format/size that's right for you
- Adapts to various activities and students' needs
- Helps you navigate the controls and recordings
- Allows the teacher to listen quietly to recordings
- Eliminates the cost of replacement batteries
- Is stylish, unobtrusive and conveniently portable
Does all of this information make you want to add this cool gadget to your classroom?? You CAN, by entering a comment below with your name and email address. Everyone gets an automatic entry just for reading this...BUT, you can earn additional entries by:
- being a follower of my blog (left sidebar)
- Liking my Facebook Fan Page by clicking HERE.
- Liking Learning Resources Facebook Fan Page Here.
- Subscribing to my Newsletter (next edition with freebies being released soon!). Do this on my blog's right sidebar.


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Please be aware that displayed prices are exclusive of all tax which may be payable in relation to your order. The currency selector is to be used as a guide only and in all cases you will still be charged in USD.
in United States
0 to 0 week days (Monday-Friday)
Might be due when the parcel reaches the destination
Chosen country:
International shipping
Standard Delivery in 3-7 work days (Mon-Fri)
Secure payment
Scandinavia's no 1 fashion destination


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Tiger Only Case iPhone 7plus
All of our phone cases are handmade from 100% natural premium wood combined with a poly-carbonate case. Every case will be one of a kind with natural and unique wood grain.
- Unique Natural wood grain and finish.
- Made to order and hand-crafted in New Zealand.
- Precise laser cut and engraving using best technology in the market.
- Protection for your Phone from scratch, dust and damage.
- All buttons and slots are well positioned to suit your needs.
Processing Time:
It will take around 1-3 business days to process your order plus shipping time depending on the location.
We guarantee to refund or exchange any purchased item which you are not completely happy with, when you return it to us in a resalable condition within 7 days of receipt.
Bulk orders:
We welcome bulk orders, please contact us for the best possible deal.
Contact us if you have any special requests or for other queries. We would love to hear from you.


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Spring 2020 classes have resumed online.Please visit
dcccd.edu/coronavirus for additional information and to
learn how to prepare for online classes.
Have questions about filling out the Free Application for Federal Student Aid (FAFSA)? We have answers, plus tips designed to save you time and stress.
What is the FAFSA?
The FAFSA is an application used to collect information to determine your eligibility for financial aid awards.
What information will be collected?
The FAFSA has four main sections of required information:
Additional information collected includes the college you attend and your housing plans.
Your signature is required (as is your parent's if you are dependent). Your signature for the online FAFSA is the
Federal Student Aid ID (FSA ID). The FSA ID, which includes a username and password, replaces the FSA PIN you may be familiar with.
When can you file your FAFSA?
How do you file your FAFSA (apply for financial aid)?
Need help?
Why should you file online?
What are the Federal School Codes for the colleges of DCCCD?
Special Notes About Email Addresses
Facts About Tax Information (IRS Data Retrieval)
While you are online filling out your FAFSA, you can choose to use the new IRS Data Retrieval feature. We encourage you to use this process in order to simplify the Verification process.
How do you and/or the school get your FAFSA information?
If you are selected for Verification, you must complete the Verification process. If you do not finish the Verification process, we cannot calculate your financial aid eligibility. Get more information on our
Verification page.
Important Items to Review


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John Hussman: Recklessness And Crowd Following Has Been Rewarded But Retaining This Windfall Will Be Difficult (Advisor Perspectives)
John Hussman at Hussman Funds writes that the average bear market fall can erase over 50% of the previous bull market's advance. He thinks that is true this time around as well. He expects nominal S&P 500 return of 3.2% annually in the next 10 years.
"The perception that investors are "forced" to hold stocks is driven by a growing inattention to risk. But Investors are not simply choosing between a 3.2% prospective 10-year return in stocks versus a zero return on cash. They are also choosing between an exposure to 30-50% interim losses in stocks versus an exposure to zero loss in cash.
"…Think about that. One literally could have sat in Treasury bills through 1996, 1997, 1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, and into early 2009, and have done better than the S&P 500 did over that entire span of time. Moderate losses are frustrating, but deep, major losses from rich valuations are the ones that matter, because it is difficult to recover from them in a durable way. The recent advance is a gift in that regard. Consider that carefully now, not later.
"…There will be opportunities to take constructive investment positions, certainly at the completion of the present market cycle, but most likely even in the event that the advancing portion of this cycle continues. Choosing those points, based on demonstrable evidence, is essential. Recklessness, crowd-following, euphoria, fear of missed gains, and monetary superstition has certainly been rewarded lately, in a way that seems indistinguishable from insight and genius. Retaining such windfalls will prove far more difficult."
Ignoring Tiny Funds Is A Big Mistake (Barron's)
Investors tend to be wary of "tiny funds" because they assume that the lack of assets means something is wrong with the fund. But Sarah Max writes that these funds should get a second look because often they are run by managers that have moved over after a great run at bigger firms.
David Waddell of Waddell & Associates told Barron's "For us, it's about finding a manager with talent, conviction, and control. When you have a small asset base, the manager is the CIO and the CFO, and the success of their firm hinges on the success of the portfolio."
Morgan Stanley Launches In-House Tool That Lets Advisors See What Their Colleagues Are Buying Or Selling (The Wall Street Journal)
Morgan Stanley's Wealth Management unit has launched a tool called Trade Flow Insights. This in-house tool gives advisors access to what their colleagues at Morgan Stanley are buying and selling, and asset allocations, according to the Wall Street Journal. For the information to to show up though it needs to occur among at least 50 advisors and be in 4,000 client accounts.
92% Of Investors Expect A Great Summer (Bank of America)
A new investor poll from BAML shows that only 8% of investors think we will see another 'sell in May and go away.' "Only 8% of investors believe that we are at risk of seeing markets repeat the pattern of 2012 and 2011 with significant risk-off episodes in the summer following data weakness in the spring." Moreover, most surveyed did not seem worried about a rise in bond yields.
Corporate Profit Margins Will Stay High (UBS)
Rising capacity utilization and cost management are the two factors driving higher margins, according to UBS' Jonathan Golub. Looking at capacity utilization and operating margins he writes, "based on historical patterns we believe each has further upside potential." He goes on to write that, "despite the historically tight relationship between operating margins and capacity utilization, we believe the recent margin pick-up has largely been driven by companies managing their costs rather than benefiting from operating leverage."
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disability(redirected from physically challenged)
Also found in: Dictionary, Thesaurus, Medical, Financial, Encyclopedia.
The lack of competent physical and mental faculties; the absence of legal capability to perform an act.The term disability usually signifies an incapacity to exercise all the legal rights ordinarily possessed by an average person. Convicts, minors, and incompetents are regarded to be under a disability. The term is also used in a more restricted sense when it indicates a hindrance to marriage or a deficiency in legal qualifications to hold office.
The impairment of earning capacity; the loss of physical function resulting in diminished efficiency; the inability to work.
In the context of Workers' Compensation statutes, disability consists of an actual incapacity to perform tasks within the course of employment, with resulting wage loss, in addition to physical impairment that might, or might not, be incapacitating.
Under federal law, the definition of a disability, for Social Security benefits purposes, requires the existence of a medically ascertainable physical or mental impairment that can be expected to result in death or endures for a stated period, and an inability to engage in any substantial gainful activity due to the impairment.
n. 1) a condition which prevents one from performing all usual physical or mental functions. This usually means a permanent state, like blindness, but in some cases is temporary. In recent times society and the law have dictated that people with disabilities should be accommodated and encouraged to operate to their maximum potential and have the right to participate in societal and governmental activity without impediments. Hence, access by ramps, elevators, special parking places and other special arrangements have become required in many statutes. 2) a legal impediment, including being a minor who cannot make a contract, or being insane or incompetent, as determined by others.
disability(Legal disqualification), noun disablement, impairment, invalidation, invalidity, legal incapacity, unqualification, unqualifiedness, unsuitability, unsuitedness, want of legal capacity, want of legal qualification
Foreign phrases: Contra non valentem agere nulla currit praescriptio.No prescription runs against a person who is unable to act.
disability(Physical inability), noun affliction, ailment, debilitation, debility, deterioration, disablement, disorder, disqualification, feebleness, frailty, handicap, helplessness, illness, impairment, impotence, impotency, inability, inabillty to work, inadequacy, incapability, incapacitation, incompetence, incompetency, indisposition, ineffectiveness, ineffectuality, ineffectualness, inefficacy, inefficiency, infirmity, insufficiency, malady, powerlessness, sickness, unfitness, unsoundness, weakness
Associated concepts: complete disability, continuous disabillty, disability benefits, disability compensation, disability innurance, general disability, medical disability, mental dissbility, partial disability, physical disability, proof of disability, temporary disability, total disability
See also: detriment, disadvantage, disease, disorder, disqualification, handicap, impediment, impuissance, inability, incapacity, inefficacy, pain
DISABILITY. The want of legal capacity to do a thing.
2. Persons may be under disability, 1. To make contracts. 2. To bring actions.
3.-1. Those who want understanding; as idiots, lunatics, drunkards, and infants or freedom to exercise their will, as married women, and persons in duress; or who, in consequence of their situation, are forbidden by the policy of the law to enter into contracts, as trustees, executors, administrators, or guardians, are under disabilities to make contracts. See Parties; Contracts.
4.-2. The disabilities to sue are, 1. Alienage, when the alien is an enemy. Bac. Ab. Abatement, B 3; Id. Alien, E: Com. Dig. Abatement , K; Co. Litt. 129. 2. Coverture; unless as co-plaintiff with her husband, a married woman cannot sue. 3. Infancy; unless he appears by guardian or prochein ami. Co. Litt. 135, b; 2 Saund. 117, f, n. 1 Bac. Ab. Infancy, K 2 Conn. 357; 7 John. 373; Gould, Pl. c. 5, Sec. 54. 4. That no such person as that named has any existence, is not, or never was, in rerum natura. Com. Dig. Abatement, E 16, 17; 1 Chit. Pl. 435; Gould on Pl. c. 5, Sec. 58; Lawes' Pl. 104; 19 John. 308. By the law of England there are other disabilities; these are, 1. Outlawry. 2. Attainder. 3. Praemunire. 4. Popish recusancy. 5. Monachism.
5. In the acts of limitation it is provided that persons lying under certain disabilities, such as being non compos, an infant, in prison, or under coverture, shall have the right to bring actions after the disability shall have been removed.
6. In the construction of this saving in the acts, it has been decided that two disabilities shall not be joined when they occur in different persons; as, if a right of entry accrue to a feme covert, and during the coverture she die, and the right descends to her infant son. But the rule is otherwise when there are several disabilities in the same person; as, if the right accrues to an infant, and before he has attained his full age, he becomes non compos mentis; in this case he may establish his right after the removal of the last disability. 2 Prest. Abs. of Tit. 341 Shep. To. 31; 3 Tho. Co. Litt. pl. 18, note L; 2 H. Bl. 584; 5 Whart. R. 377. Vide Incapacity.


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interference(redirected from Interference pattern)
Also found in: Dictionary, Thesaurus, Medical, Encyclopedia, Wikipedia.
Related to Interference pattern: Diffraction pattern
In the law of Patents, the presence of two pending applications, or an existing patent and a pending application that encompass an identical invention or discovery.
When interference exists, the Patent and Trademark Office conducts an investigation to ascertain the priority of invention between the conflicting applications, or the application and the patent. A patent is customarily granted to the earlier invention.
interferencenoun antagonism, antipathy, bar, barrier, censure, check, collision, conflict, contravention, damper, disapproval, disturbance, encumbrance, fetter, frustration, hindrance, impediment, imposition, interception, intercession, intermediacy, interruption, intervention, intrusion, invasion, meddling, nuisance, obstruction, onus, opposition, resistance, restraint, setback, stricture, stumbling block
Associated concepts: contempt, frustration of contract, interrerence with contractual relations
See also: bar, barrier, burden, check, collision, conflict, damper, deterrence, deterrent, disadvantage, dispute, embargo, encroachment, encumbrance, fetter, filibuster, frustration, handicap, hiatus, hindrance, impediment, imposition, infringement, intercession, interruption, intervention, intrusion, invasion, mediation, molestation, nuisance, obstruction, onus, opposition, prohibition, resistance, restraint, veto


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Book review - A Beautiful Mind Biography of John Nash
By Sylvia Nasar
Simon & Schuster
reviewed by Ed Green
Senior Research Officer
Federal Reserve Bank of Minneapolis
A classic view of drama is that it relies on the audience's willingness deliberately to suspend their disbelief in a story that is incredible by ordinary standards. Were it drama rather than biography, the story of John Nash would fit this view.
Nash earned his Ph.D. in mathematics at the normal age for earning an undergraduate degree. In his research as a graduate student and subsequently as an assistant professor, he made the sort of major contributions to pure mathematics and also to economic theory that tend to occur in these entire fields only a handful of times in each decade.
He was on the verge of being recognized as one of the world's leading mathematicians before he was 30 years old. Then, quite abruptly and at the very time when his mathematical career was flourishing, his behavior became so bizarre that he was involuntarily committed to a mental institution and was diagnosed as being schizophrenic. Although he had several temporary remissions during which he continued to make outstanding contributions to mathematics, he spent most of the next three decades as an entirely dysfunctional person. In fact, he plausibly would have wound up being a "street person" if it were not for the sustained, charitable care that he received from his ex-wife and, to some extent, from his former colleagues and their academic institutions. Remarkably, in the seventh decade of his life his mental condition has steadily and substantially improved.
Concurrently the full magnitude of his contribution to economic theory has become clear beyond a tight research community of specialists. This understanding has led to Nash being awarded the 1994 Nobel Prize for Economics jointly with two economists who had deepened one of his insights.
In choosing Nash as her subject, Sylvia Nasar has had to forgo the expository advantage that the biographer of an important scientist usually enjoys. Typically such a scientist not only has the idea that defines a new approach to a field, but he or she also champions that idea against the opposition of the conservative wing of a scientific discipline, mentors a group of followers who extend its influence and applicability, and in many cases founds a "school," comprising some university departments and scientific publications that advocate the new approach, that provides institutional support for the idea as an ongoing paradigm. Thus, chronicling the life of an important scientist tends to provide the biographer with the opportunity to teach readers a great deal about the science itself. Although Nash has had first-rate, creative ideas in several fields, though, he has played no significant role in their subsequent propagation or extension.
In this situation, Nasar has had to make a stricter choice than most scientific biographers face between focusing on the subject's personal story vs. the story of the development and impact of the subject's scientific work. She has chosen, understandably in view of the remarkable facts of Nash's life, to focus predominantly on his personal story. She has documented this story with painstaking care (especially in having interviewed hundreds of persons, including a high proportion of the most outstanding mathematicians of Nash's generation) and has told it with skill that makes the book hard to put down.
Beyond being a well-told story of an individual, the book has two general themes. They are not obviously related but turn out to be complementary. One theme has to do with the moral value of a person. Two arguments that run through much of Western thinking about this issue are that persons deserve moral respect because of their rationality and in reciprocity for their efforts to accord respect to others. But Nash as a young man seems to have been less consistent than most of us in his efforts to accord respect to others, and by his 30s he had ceased to be consistently rational in thought or action either, so these arguments do not go far in his case. Nasar reminds the reader again and again, yet without becoming gratingly repetitive, that Nash was a majestic person despite his flaws. She evidently finds in that majesty a ground for moral respect. From this perspective, she raises tough issues such as what is appropriate treatment of a mentally ill person who is disruptive in the workplace or the community; under what circumstances, if any, is involuntary commitment to psychiatric treatment justifiable; and particularly, can there ever be justification for involuntary administration of treatments such as shock therapy and psycho-active drugs that have extremely unpleasant and detrimental physical or psychological side effects. She succeeds in raising these questions in a skilful way that explores their complexities and does not impose preconceived answers. On this account, I can imagine this book being a useful case study in a university course in law or medical ethics.
The other general theme of the book is the relationship of a community-in this case, a scientific community-to a troubled member of that community. More accurately, two scientific communities-mathematics and economics-are described. The economics community is viewed indirectly, through the lens of the Royal Swedish Academy of Sciences where the award of the 1994 Economics Prize to Nash was made only after fierce and acrimonious internal dispute. Nasar brings this dispute to light in a tour de force of investigative reporting.
Although it is less flashy, Nasar's sustained examination of the culture that exists within outstanding mathematics departments and research institutes is an even more impressive feat. The picture that she draws of the life of a promising young mathematician certainly has some unattractive features. A very risky career, which the best people typically enter with ambitions of making breakthroughs that will almost certainly be beyond their reach, is conducted in a highly competitive atmosphere that exacerbates the serious psychological strain of adjusting those ambitions to reality. Until well into his or her career, the research mathematician's life is a sustained tournament akin to the selection process for star athletes and concert pianists, and where a cliquishness among the top competitors is tolerated that makes the tournament nastier than it apparently needs to be. This situation seems odd since, in contrast with athletic and musical-soloist virtuosity, mathematics is a field where the great discoveries largely reflect cumulative, collaborative effort. In view of Nasar's observation that many of the most significant contributors to mathematics lose their edge while they are still quite young, I wonder whether such a short period of creativity might be a byproduct of an environment that leads predictably to "burn-out," and whether the obvious advantage of such an environment in identifying talented individuals may be more than offset by more subtle disadvantages in eliciting their best contributions and teamwork. Nonetheless, at the same time I am also impressed by the number of generous, altruistic and sometimes courageous mathematicians who figure in various episodes of Nash's story.
In summary, this is an admirably researched and highly readable biography of someone whose life merits the substantial effort that the author has made to study it. It is well worth reading, both to learn about Nash himself and also in view of the general issues that the attempt to come to terms with him raises.


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MediaZen necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 447 diseños de 114 diseñadores freelance.
• We have just launched a loan comparison website in Italy called Prestiti.it (means 'loans' in Italian).
• This covers every kind of loan product from personal loans, credit cards, car loans, student loans, debt consolidation, etc but excludes mortgages
• Goal of the site is to help consumers find the best available loan offers on the market for their needs and provide relevant information for them to make informed decisions.
• Equivalent example of loan comparison site in USA would be the http://www.lendingtree.com
• Users searching for loans online
• Pretty wide audience as many people are looking for loans from the age of students until retired, so 20+ years until 70 years
• Visit the website http://www.prestiti.it to get an idea of the look and feel
• Overall I would say we are trying to create a modern, user friendly style, not too fun as we play in the financial arena but equally not too serious
• 2 possible communication routes – one is the convey the positive aspect of lending in how it helps/enables people to create, buy and do things, second could be the convenience and speed aspect of the service, ie in a few steps you get comparison results of best loan offers
• Logo could be with symbol and text or without symbol, some game with the first letter 'P' in Prestiti could be an execution route
• No use of money symbols in the logo – we received strong negative feedback from this as raises a negative/anxiety aspect of borrowing money
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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The 2014 PKRA Kiteboarding World Cup tour kicks off in Panama at the Nitro City Action Sport Resort on February 19. Below, please find the relevant information for this first stop in Panama. It is recommended to start making flight and hotel reservations now.
More complete information will be updated on the event information page once the full 2014 PKRA tour calendar is posted on January 21st.
Official name of the event: NITRO CITY PANAMA Kiteboard World Cup 2014
Location: Punta Chame, Panama. Punta Chame is located 1.5 hours from the City and approximately 2 hours from the main airport: Tocumen International Airport. (PTY)
Registration Date: 18th of February from 16:00 to 18:00 hrs
Competition Dates: 19th – 23 February 2014
How to get there:
Flights from South and North America: Copa Airlines, From Europe: KLM, Air France, Iberia
How to get to Punta Chame from the airport:
The best way to arrive is via private transportation arrangement:
• Car rental at airport
• 1 Pax $180.00
• 2 Paxs $140.00 per pax
• 3 Paxs $ 120.00 per pax
• 4 Paxs $ 110.00 per pax.
The organization is working on a third option for one shuttle bus on registration day. There will be more details about this coming soon!
*Other transportation between hotels from beaches nearby Punta Chame and the venue can also be arranged.
*City tours prior to the event can be arranged. (Canal, Old Square, Surf beaches nearby, Panama City Tour, among others).
Accommodation information and packages for competitors:
NITRO CITY PANAMA ACTION SPORT RESORT (event venue)
Special Riders Rates (Entire event stay) Start from:
• Standard (Partner Room) $120 per room, Up to 2 people in a room.
Each Additional person up to 4 will be $50 per person additional.
• Champion Room $120 per room, up to 2 people in a room.
Each Additional person up to 4 will be $50 per person additional.
Special rate Includes:
For Reservations:
Phone: (507) 202-6875
Rates Start From $ 137.50 per Room for 2 People. Extra Pax $72.60
Contact: ILKA HARMON
Phone: (507) 202-0852
Cell: (507) 6090-7107
Rates Start From $121.00 per room for 2 people. Extra Pax $38.50
Contact: Rose Marie Moll
Phone: (507) 345-3579
Cell: (507)6032-7743 / (507) 6138-6738
Rates Start From $126.50 per room Single or Double,
Contact: Cynthia Reyes
Phone: (507) 264-3164
Cell (507) 6090-8761
Water conditions: Sand beach access – bay Conditions. Light chop to flat water at low tide.
Wind conditions: 15 to 25 knots consistent morning and afternoon.
Event Schedule: Coming soon.
Read original article: PKRA News:Visit Panama Kiteboard World Cup Information


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- Accepts Etsy gift cards
100% soy candle.
8oz candle. burn time 40+ hours.
relax dude: light a candle and chill. relaxing green tea and lemongrass
note: these are made to order. you can burn it whenever, but if you wait a week or two the fragrance is noticeably stronger.
mason jar measures 3 1/2" tall x 3" wide
dude candles are available in larger quantities for.. bachelor parties.. graduation parties.. frat parties.. guy parties.. man parties.. boy parties.. new house parties.. dude parties.. and wholesale. contact me for price breaks if you need over 6.
please use caution when burning a candle, dude.
payment is preferred by the Etsy direct checkout. custom and wholesale order payments are due when placing your order. cancellations are not accepted, as i begin gathering necessary supplies & creating your candles immediately.
i ship USPS almost always. Priority Mail includes tracking and insurance up to $50. if you prefer something else, let me know
Just contact me within: 3 days of delivery
Ship items back to me within: 7 days of delivery
But please contact me if you have any problems with your order.
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
damages: insurance is included in USPS Priority Mail, so we will file a claim based on the damage to your order
fragrance: candles are made to order. you can burn it whenever, but if you wait a week or two the fragrance is noticeably stronger. so please don't complain about a strong scent unless you wait two weeks.
custom orders? YES! I love custom orders. let me know what fragrance, quantity, size, color, deadline, zip code, and I'll get you a price.
wholesale? YES!
consignment? no, thank you though. my wholesale terms are awesome, so check those out.
Apr 6, 2020
Awesome product! I had great communication with the owner and received my candles in a very timely manner.


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While there has been much fury recently over Virginia's recently proposed transvaginal ultrasound bill, other states' anti-choice lawmakers have chosen the equally unacceptable route of psychological—rather than physical—violation of women.
In Michigan, House Bill 4433 would expand the state's already-present requirements for pre-abortion ultrasounds. If passed (a likely outcome in Michigan's strongly anti-choice state government) the law will require pre-abortion ultrasounds to be conducted with the "most technologically advanced ultrasound equipment available," further defined as the equipment which "is capable of providing the most visibly clear image of the gross anatomical development of the fetus and the most audible fetal heartbeat." While the bill states that a woman be given the "option" to view the ultrasound or not, it also mandates that the monitors must be turned toward the woman, so that her only way of not viewing the image is to close her eyes or turn her head away. The bill also requires that the professional performing the ultrasound give a detailed description of the fetus' current developmental stage, and must offer the woman a printed ultrasound image.
Clearly, even if reasonable arguments could be made in favor of medical benefits to a physician viewing a more detailed ultrasound image before performing an abortion, there is no medical benefit to be gained by forcing the patient to view such images. It would be impossible to read this bill as anything other than a transparent attempt to convince women not to go through with abortions. And it aims to enact such coercion by relying on an essentialist view of women and "motherhood:" the notion that women will be emotionally moved to continue a pregnancy if they are forced to see the fetus and hear a detailed report of its development.
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Women who have made the choice to obtain an abortion are well aware of the choice they have made. They are not naïve to the fact that they are choosing to abort a developing fetus. Whether the decision has been an easy or a difficult one, it has not been made in ignorance of what "abortion" entails. And it is not the place of the state to patronize women by insisting that they be forced to view ultrasound images in order to fully understand their actions.
Requiring transvaginal ultrasounds would violate women by invading their bodies. Turning an ultrasound monitor toward a woman and attempting to force her to view the images even if she does not want to see them is an act of emotional and psychological violation. Both are medically unnecessary and needlessly cruel and patronizing. And neither should ever be mandated by a state's government.


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High Performance Implementation of AES in Counter Mode
Significant performance optimization for encrypting (and decrypting) can be achieved if software using the AES instructions is designed to process multiple data blocks in parallel. This "software pipelining" technique is applicable for parallelizable modes of operation such as Electronic Code Book (ECB), CTR, and decryption with the Cipher Block Chaining (CBC-Decryption) mode.
In such modes, different data blocks can be encrypted (or decrypted) independently of each other, and the hardware that supports the AES round instructions is pipelined. This allows independent AES instructions to be dispatched, theoretically every one to two CPU clock cycles, if data can be provided sufficiently fast. As a result, the AES throughput can be significantly enhanced for parallel modes of operation, if the software implementation itself is pipelined. Instead of completing the encryption of one data block and then continuing to the subsequent block, it is preferable to write software sequences that compute one AES round on multiple blocks, using one round key, and only then continue to compute the subsequent round for multiple blocks. This technique speeds up any parallelizable mode of operation, in particular the CTR mode. Listing 3 shows a code snippet encrypting eight blocks in parallel as part of the CTR mode (where the counters are encrypted).
mov rdx, OFFSET keyex_addr ; load Round key movdqu xmm0, XMMWORD PTR [rdx] pxor xmm1, xmm0 pxor xmm2, xmm0 pxor xmm3, xmm0 pxor xmm4, xmm0 pxor xmm5, xmm0 pxor xmm6, xmm0 pxor xmm7, xmm0 pxor xmm8, xmm0 mov ecx, 9 main_loop: ; load Round key add rdx, 0x10 movdqu xmm0, XMMWORD PTR [rdx] aesenc xmm1, xmm0 aesenc xmm2, xmm0 aesenc xmm3, xmm0 aesenc xmm4, xmm0 aesenc xmm5, xmm0 aesenc xmm6, xmm0 aesenc xmm7, xmm0 aesenc xmm8, xmm0 loop main_loop add rdx, 0x10 movdqu xmm0, XMMWORD PTR [rdx] aesenclast xmm1, xmm0 aesenclast xmm2, xmm0 aesenclast xmm3, xmm0 aesenclast xmm4, xmm0 aesenclast xmm5, xmm0 aesenclast xmm6, xmm0 aesenclast xmm7, xmm0 aesenclast xmm8, xmm0 ; storing the encrypted blocks movdqu XMMWORD PTR [dest], xmm1 movdqu XMMWORD PTR [dest+0x10], xmm2 movdqu XMMWORD PTR [dest+0x20], xmm3 movdqu XMMWORD PTR [dest+0x30], xmm4 movdqu XMMWORD PTR [dest+0x40], xmm5 movdqu XMMWORD PTR [dest+0x50], xmm6 movdqu XMMWORD PTR [dest+0x60], xmm7 movdqu XMMWORD PTR [dest+0x70], xmm8
High Performance Implementation of Galois Counter Mode
We now examine how GCM can be efficiently computed by using the PCLMULQDQ instruction, in combination with some improved algorithms.
The most compute-intensive part of GCM is the computation of the Galois hash, which is multiplication in the finite field GF(2128), defined by the reduction modulo g = x128 + x7 + x2 + x + 1. The multiplication in this field is carried out in two steps: the first step is the carry-less multiplication of two 128-bit elements, and the second step is the reduction of the 256-bit carry-less product modulo g = x128 + x7 + x2 + x + 1. We explain these steps in the rest of this section.
Computing a 256-bit Carry-less Product with the PCLMULQDQ Instruction
The following algorithm steps can be viewed as one iteration of a carry-less schoolbook multiplication:
- Multiply carry-less by the following operands: A0 with B0, A0 1 with B1, A0 with B1, and A1 with B0. Let the results of the above four multiplications be A0 * B0 = [C1 : C0], A1 * B1 = [D1 : D0], A0, * B1 = [E1 : E0], A1 * B0 = [F1 : F0]
- Construct the 256-bit output of the multiplication [A1: A0] * [B1 : B0] as follows in Equation 5:
One can also trade off one multiplication for additional XOR operations. This 2-step alternative approach can be viewed as a "carry-less Karatsuba" multiplication [9]:
- Multiply carry-less by the following operands: A1 with B1, A0 with B0, and A0 ⊕ A1 with B0 ͵B; A1. Let the results of the above three multiplications be [C1 : C0], [D1 : D0], and [E1 : E0], respectively.
- Construct the 256-bit output of the multiplication [A1: A0] * [B1 : B0] as follows in Equation 6:
Both methods can be used for the first step of the computation of the Galois hash.


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Marcus Bonner and his brother, Joseph, didn't think much about the school assembly they planned on attending Wednesday afternoon.
What they didn't know was that the event was being held to honor their father, Air Force Master Sgt. James M. Bonner, and that he had arrived home early from his deployment to greet the boys and their mother, who was tricked into thinking she was attending a PTA meeting at the school.
Fresh from a six-month stint in Guantanamo Bay and dressed in fatigues, Bonner wrapped his arms around his two boys and wife in the middle of the playground at Gregg Anderson Academy in Palmdale. The family wasn't expecting him to return until Saturday.
"I wish that every family could have the same kind of return that I'm getting right now cause this is very special," the father said after the emotional reunion.
The last time Bonner saw his sons Marcus, a fourth-grader, and Joseph, a first-grader, was the morning of April 5, when he sneaked out of the house to avoid a difficult goodbye.
"A lot of my comrades won't be coming home to their families," he said. "Sometimes it seems like America has forgotten what we're fighting for. We don't choose to leave our families. We do this because we love our country."
More Southern California Stories:


text:
She's good. After nailing her first edition of doing impressions on foreign languages, Smoukahontas is back for the sequel, and it's just as impressive. Her impressions are pretty much spot on to non-foreign language speaking folks.
It's so fun to see her make up very believable words and get animated depending on which foreign language she's doing.


text:
Is this a particularly early batch of Christmas of cookies? No, that's not it. Maybe a microscopic view of bacteria or—no, not that either. Oh, it's probably a snowy group of polar islands. But where?
The south pole of Mars, if you must know. And they're actually pits, not islands. Every Martian summer, parts of its carbon dioxide ice caps evaporate directly to gas, and you're looking at the pits that are left behind. As Mars gets colder, it'll fill the pits back in by freezing more carbon dioxide solid.
Scientists actually aren't quite sure what the brown lining of the pits is made of, but looking at it just makes me want to sprinkle some holiday candy on the Martian landscape and eat it. [APOD]


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There is one less person that will attend school in the fall, and it is noticed by everyone. Funny thing was, she wasn't noticed at all, until...
Morgan was an unassuming girl, but Sam knew who she was. An accidental meeting led Sam to "accidentally" meet Morgan again and again. Eventually, their friendship grew. But Morgan knew something was wrong. Sam didn't want to be seen in public with her, even avoiding his friends so they couldn't be seen. But why?
And when Morgan finds out the truth, she decides the better option is not to be a part of it..or any part of life...and when the school finds out about the incident, the reaction is different. Some are upset this could happen. But then there are others who make sure that what they did is kept secret - from teachers, counselors, parents - everyone.
This affects Sam most, who was one of the last ones to post on her social media. He has to look in the mirror everyone knowing he was a part of the tragedy. He is also one who is full of the "what ifs" as well as trying to keep this dark ugly secret from surfacing. And he knows what could happen to him if he decides to tell someone.
To Morgan, there seemed to be no alternative to the bullying that was happening everyday, in and out of school. To Sam, there is an after alternative that could break him and lead him down the same path Morgan was trapped in. What to do? What to do....
This is a book about a teen who has to come to terms with choosing to be popular over choosing to do the right thing. To cope with his grief, the readers get to see how his life has changed in real time, but most importantly, how his life has changed emotionally through his journal.
Powerful, impactful, recommended for readers who delve into this genre. 7-12


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When traditional fixed income yields began their stomach-churning rise in May, strategists started to field calls from advisors looking to get out of their buy-and-hold bonds and into more flexible investments.
During the 30-year secular bull run in fixed income, the conventional wisdom had been that portfolios comprised of anywhere from 70% to 100% bonds enjoyed dependably low volatility and low risk. But when the bond bubble burst in May, advisors and their retiree clients suddenly realized they would need to get into new investments — and fast.
"They were afraid, because typically, fixed-income investors aren't jumping around in the markets," said Tim Clift (left), who as chief investment strategist for Envestnet|PMC was one of those people who started to field calls. "Income is the biggest issue that advisors have had questions about this summer, and we're helping advisors get past buy-and-hold and into flexible opportunities."
With wealth management and tech software firm Envestnet serving 25,415 advisors, Clift said his Portfolio Management Consultants group had already been warning advisors for a long time that the bond market was a ticking time bomb. When it exploded, PMC was ready with risk diversification strategies that didn't involve alternatives such as commodities or hedge funds.
"The risks are much higher now because we're at the end of this 30-year secular trend in fixed income," Clift said. "We're at a turning point. There's no telling how long this 'new normal' will last, but it's not a short-term phenomenon."
To be sure, other wealth and asset managers with deep knowledge of the bond market have joined Envestnet in proposing new strategies that focus on curtailing interest rate risk. Here's a roundup of what strategists believe are the best fixed-income investment opportunities this summer:
Tim Clift, Chief Investment Strategist, Envestnet|PMC
1) Bank loans. These 60- to 90-day short-term floating-rate loans are benchmarked against LIBOR and have almost no interest rate risk because the price and yield resets every 60 to 90 days, according to Clift. They're currently yielding an average of 4% to 6%, but they're risky because these are lower rated corporate credits, and they can go into default. However, the default rate is currently less than 2%, and if they do default, they're the most senior securities in the capital structure.
2) High-yield corporate credit. These fixed-income securities are currently yielding a return of 5% to 6%, but the downside is that high-yield credit is closely correlated to the relatively risky equity market.
3) Emerging-markets sovereign debt. "Currently, the debt of emerging markets is better than the debt of developed countries, although there is country and currency risk attached to them," Clift said. "There's always a tradeoff." Rather than buy EM debt of a specific country, PMC recommends buying a basket of EM debt.
4) Unconstrained bond portfolio. Not tied to a benchmark, unconstrained bond portfolios are go-anywhere portfolios that involve closely timed buying and selling strategies. The risk of the unconstrained strategy is that it is a new strategy, and any unconstrained strategy is heavily dependent on a specific manager.
Bill Belden, Managing Director of Product Development, Guggenheim Investments
Guggenheim Investments, an exchange-traded fund (ETF) provider, says that investors who may be too cautious to jump into equities, but are still looking to maximize their fixed income return, should consider the following:
1) Consider defined maturity ETFs. Similar to bonds, these ETFs make periodic income distributions and have a pre-determined date upon which the NAV of the fund is liquidated and returned to investors.
2) Avoid minimum maturity requirements. Investment-grade and high-yield corporate bond ETFs have been more affected by the bond market's volatility and have higher turnover rates among investors.
3) Use duration to safeguard portfolios. Investors should shorten their duration of bond holdings. Advisors should look for liquid, easily accessible tools so their clients can generate monthly income.
"Obviously, interest rate volatility is creating fixed-income anxiety," William Belden, managing director of product development with Guggenheim Investments, told ThinkAdvisor on July 25. "In the fixed income ETF space, an ebbing of inflows was seen and even outflows as investors wondered if rising rates portends a trend in and of itself."
Jennifer Bridwell and Sabrina Callin, Managing Directors, PIMCO
In a PIMCO interview published in July, Callin and Bridwell argued in favor of alternatives for investors, saying that most alternative strategies benefit by being free from the constraints of conventional benchmarks and having the flexibility to diversify across asset classes and geographies on either the long or short side.
"Alternatives incorporate different sources of return and risk than those provided by traditional stock and bond strategies," Callin said. "They may also capitalize to a greater degree on the manager's investment experience and skill in risk management because they allow managers much greater discretion to select and manage exposures over time."
Chris Dialynas is manager of PIMCO's $29 billion Unconstrained Bond Fund (PUBAX), and was named a "rising star" by Bloomberg in April.
Callin and Bridwell name these advantages of alternative investment strategies:
1) Diversification enhancement and the potential for alpha, or risk-adjusted returns, because returns from traditional asset classes in coming years may be lower and more volatile than those realized historically.
2) Potential in markets where large financial institutions are stepping back, including the provision of residential credit, commercial credit and corporate lending, as well as in liquid, outcome-oriented fixed income and equity strategies such as absolute return, market-neutral and long/short.
Check out What's a Fixed Income Investor to Do? Try Alt Asset Classes by Gib Watson on ThinkAdvisor.


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Let's raise ብር600,000Ethiopian BirrDonate Now…or Scroll to begin drilling!
ብር600,000 = $35,000USD(approx.)
The birr (Amharic ብር) is the unit of currency in Ethiopia. With a local
partner, charity: water plans to serve 100% of Tigray (Northern Ethiopia)
with access to clean water if they reach this year's goal.
- 2.2 Million people
in Tigray need
clean water.
- 3,640 wells needed
to serve those without
water in Tigray.
FS 250 Drilling Rig+ fleet
In five years, charity: water has brought water to two million people in need. Now they're investing in equipment to serve thousand more each year. Founder Scott Harrison explains in the video below.
- 1 Rig
- =
- Clean water for 40,000 people/year
Thank You.
Last year you helped us contribute more than $21,000 to charity: water. This year we're increasing the goal by 66% to celebrate Authentic Jobs' 6th birthday.
We're 6 years old
this September!
Amount raised in
Amount we hope
to raise in 2011
Increase over
last year's amount
Why Charity: Water?
Giving has been a part of our culture since the company began. We're a very small company with several fantastic advisors who are just as fanatical about giving as we are.
What better resource to give someone than the most basic, essential necessity of human life? Clean, safe drinking water, something almost a billion people on the planet don't have access to.
As the FS 250 drilling rig sends its monstrous drilling bit deeper and deeper into the ground, it hits aquifers on the way down. An aquifer is an underground layer of water. Sometimes the rig hits two, even three layers of water in one drilling.
And yup, the more aquifers it hits, the more water the well will provide.


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Another in-game blog
On the slate: CBC's Hockey Night in Canada doubleheader from last night – or really, Sunday morning for me. (Two games, from midnight to 6am? Not done it for a while, so why not?)
First up, Detroit Red Wings @ Toronto Maple Leafs in the Hockey Hall of Fame game, followed by New York Rangers @ Calgary Flames in the "Sean Avery Returns To Where He Said Bad Things" game.
Pre-gameAs is common, the start of my broadcast is delayed by some thrilling college football action…Fortunately, the final 3 1/2 minutes of the game is actually completed within 10 minutes of real time, which is at least 20 minutes fewer than normal
Eventually we join the start of the ceremony at the ACC honouring the impending Hall of Fame inductees…A series of now-hobbling veterans slowly take to the ice…And after the Red Wings have finished skating on, we are introduced to the Hall of Famers in attendance tonight [cheap gag #1 out of the way]…this year's inductees are then brought out: Brett Hull, Lou Lamoriello (I think the crowd were shouting "Lou", but hard to tell), Brian Leetch (*bows down*), Luc Robitaille and Steve Yzerman (clearly the most popular with the home crowd)…All the ex-players look like they could still hit the ice, except for Hull, whose appearance suggests he's glad to be free from the dietary restrictions of his playing days
The game is to be called by Jim Hughson and Craig Simpson in the booth, with shy, retiring Glenn Healy in the Pierre McGuire Memorial Shouting Zone between the benches
1st Period
Chris Osgood and Jonas "The Monster" Gustavsson between the pipes…A caption reveals the Leafs to have "White Finger" on defense – a nasty condition, that might explain some of the bad giveaways we see from the home team
A couple of early Leaf chances – Jason Blake, in a rare moment of non-goalie-running, hits the post from a bad angle with the net open…The Wings begin to exert some control with a few strong shifts towards the 10-minute mark, but…
GOAL 1-0 Leafs (10:34)…Wayne (not Keith) Primeau beats Osgood from the off-wing after Kris Draper tripped over himself at the blueline…Primeau's first goal in 45 games…First point of the year for Colton (definitely not Bobby) Orr…Sometimes you just have to accept it when superstar players beat you on a goal…Also the first time the Leafs have scored first in a game since around 1983
A decent pace and no penalties through 15 minutes…Healy mentions that the Swedish Olympic orientation camp consisted of a trip to a U2 gig rather than the days of on-ice stuff the Canadians put themselves through – no Basshunter?! [Obligatory Basshunter reference out of the way]…Todd Bertuzzi takes a holding penalty – I'm guessing that isn't his first in 45 games…Reference is made to Tomáš Kaberle's impressive points haul this year – he must be making some genius look good for picking him up in the 15th and 16th rounds of his fantasy drafts
GOAL 2-0 (19:34)…Phil Kessel nets his first as a Leaf, tapping home from 1" out after Blake pokes a shot through Osgood's legs…Kessel's deadly wristshot on display there
1st Intermission
A more sombre Coach's Corner than usual…Don Cherry presents his 5-point plan to reduce injuries from hitting then leads into an extended tribute to fallen Canadian troops (being the day before Remembrance Sunday)…Link HERE
2nd Period
The Leafs return to an ear-splitting roar from the heaving throng in platinum seats (er, perhaps)…A dodgy holding the stick call on Cherry's favourite Ukrainian, Alexei Ponkahonksy…The Leafs PK is running at 70.7%! And it's "getting better", according to Hughson…I'd hope so…A good job Brian Burke's teams always play so disciplined then, eh?…It's killed off, but the Leafs right away get called for too many men on the ice
GOAL 3-0 (5:21)…As the penalty expires, Jeff Finger roofs one on a 3-on-2 rush…Another first goal of the year – Messrs Schenn, Wallin, Komisarek and Orr smell blood
Jason Williams goes down in ugly fashion at the end boards…Replays show his leg getting mangled right under him…He's helped off the ice – looks very nasty…The Monster is playing well, but he's not been under huge pressure…A clip is shown of Brad May coaching his 13-year-old son on his shot – May Jr might have to be in the line-up if Wings keep falling at the same rate…Bertuzzi has a son called Tag?!
Interference call on Draper…Nothing doing on the Leafs PP…Henrik Zetterberg and Pavel Datsyuk are now taking regular shifts together…Hughson and Simpson refrain from shouting "Two-Headed Monster!" every five seconds like those idiots Steigerwald and Errey do whenever Crosby and Malkin play together [obligatory shot at Penguins out of the way]…High-stick call on Mikhail Grabovski within the last two minutes…Williams has apparently been taken for X-rays and won't return (no surprise there)
2nd Intermission
Mike Milbury due up! Joy!…He's with David Shoalts and Pierre LeBrun with Ron MacLean on popular rumour mill, The Hotstove…Entertainment is provided by LeBrun's demonstration of a prototype helmet-within-a-helmet (think a 70s, Butch Goring-style lid underneath a present-day model)…noted progressive Milbury simply laughs at it and is entirely unsympathetic…Milbury's contribution to the regular headshot debate also largely boils down to: "Why are we talking about this again? It's done. It's not an issue."
3rd Period
Two big stops by Monstret as the PP continues…Luke Schenn takes a penalty for interfering with Tomas Holmström (shockingly, in front of the Leafs goal), giving a brief 5-on-3 PP to the Wings…Another huge save on Zetterberg on the PK – the natives become restless and clamour for Vesa Toskala
GOAL 3-1 (5:59)…Dan Cleary scores his 100th career goal after being sprung clear by a nice saucer pass from Brian Rafalski…Comeback on?
GOAL 4-1 (9:22)…No comeback then…After a too many men call on the Wings, John Mitchell tips in a Kessel wrister on the PP, right after Kessel is stoned by Osgood after a perfect set-up from the Wings' Darren Helm
No Mike Komisarek on the Leafs bench, according to Simpson, speculating that he was injured blocking a shot…Niklas Hagman is taken down while driving hard to the net – penalty on Brett Lebda
GOAL 5-1 (12:44)…Ponkahonsky shovels a backhand through Osgood's five-hole…Lebda (now out of the box) not impressing Healy tonight
Mitchell takes a slashing penalty…not important enough for a replay to be shown, but Mitchell's reaction in the box suggests he is not effin' pleased with the call…Again, the penalty is killed off by the All-World Leafs PK unit…Update on Komisarek: a clip of a missed hip-check from the second period is shown – Healy surmises that his hip or tailbone (?) is hurt…The game drifts to its conclusion…FINAL SCORE 5-1 LEAFS
The Leafs actually looked like an NHL team – waaaay better than the team I saw implode in New York a few weeks ago…Conversely, the Wings are still struggling at both ends of the ice…The Monster was very good and will get the attention, but he didn't have to steal the game
Before the real game of the night, there's just enough time for Cherry to (a) state that New Jersey's 100% road record is due to them having hardly any European players (yawn); (b) call Leafs fans that were booing a couple of weeks ago "jerks"; and (c) give grudging credit for the Leafs' change in fortunes to "Gufterson"
Disappointingly quiet on the Avery front so far…Usually CBC spend at least 45 minutes bemoaning his existence…A confirmed broken leg for Jason Williams…In other injury news, Cam Ward is said to be in hospital after taking a skate to the groin…Will there be any players left in the league by April? Maybe only cockroaches will survive…Avery versus Steve Ott for the Stanley Cup then?
The Rangers-Flames "tilt" (© Joe Beninati) is to be called by Mark Lee and legendary former Rangers starter-cum-backup-cum-outcast, Kevin Weekes
1st Period
Steve Valiquette is in again for the Rangers, with Henrik Lundqvist resting a (hopefully) minor injury…Miikka Kiprusoff in nets as usual for the Flames
Second shift of the game and Captain Clutch (to the hockey world at large) / Captain Invisible (to Rangers fans), Chris Drury is suddenly face-down on the ice…The replay shows that he was blindsided away from the play by a pretty cheap looking hit by Curtis Glencross…Drury gets up looking very woozy…New-found goal-machine, Chris Higgins is stoned by Kiprusoff
GOAL 1-0 Flames (3:56)…An Adam Pardy point shot is deflected by Daymond Langkow's leg past a screened Valiquette…Game over already then, so I'm off to bed
OK, I'll persevere…A Glen Sather sighting!…Looking confused? Check. Eating a cigar? Check. Yep, it's definitely him…Pantomime villain Avery is predictably booed as he gets a touch of the puck…Weekes says that he looks tentative and (because?) he has changed to using white tape on his stick blade…The Rangers are actually carrying much of the play, against expectations – I'm still going for a 5-1 loss at this point though
GOAL 1-1 (17:16)…Another screened point shot finds its way into the net, this time from Dan Girardi…Good job I scrapped my planned earlier comment about how Girardi struggles to get his shots past shot-blocking forwards
An amusing moment, as Lee innocently says to Weekes (who lost his starting and backup jobs with the Rangers to the current incumbents): "Valiquette is the perfect backup for Lundqvist, isn't he?"…The action resumes before Weekes has a chance to respond, sadly
1st Intermission
In an interview, Langkow says: "We were sloppy in our own end."…a fine choice of words in the circumstances…More Milbury! He's joined by Kelly Hrudey, clearly only working the West game, despite being in the studio in Toronto…Hrudey gives props to Prospal – liking Vinny's surprisingly effective defensive play…The guys take another look at the Glencross/Drury incident…Hrudey calls it "dirty" before squirming out of it somewhat as MacLean and Milbury unsurprisingly defend it over subsequent viewings…Milbury, of course, calls it an "innocent" play
2nd Period
No return for Drury, as reporter Scott Oake notes he has had at least three concussions in the last five years…Lee gets excited by a clip of an almost-hit by Phaneuf on Avery in the first period…Er, nothing there at all, Mark
Enver Lisin breaks René Bourque's stick with a slash and sits for it…On the PP, Brandon Dubinsky blocks a hard shot with his hand/wrist – once he can get off, he goes straight to the room…Great…Wade Redden takes a typically lazy interference penalty, putting the Rangers down two men for the 1,394th time this season…Ryan Callahan immediately breaks his stick on the 5-on-3, but the Rangers survive, in part due to a great shot-block by Girardi
The Flames' David Moss picks up a weak interference call (like I care)…Big-shooting Aleš Kotalik crashes one off the crossbar…No PPG on this occasion for the Rangers – almost surprising when they don't score these days, which is faintly unnerving…Robyn Regehr heads to the room after taking a shot to the foot – Don King starts making arrangements with the agents for Avery and Ott…Craig Conroy gets cut by a stray stick, but the refs miss it and play continues until Bourque takes a cross-checking penalty around 30 seconds later…Wait, now they call the high-stick too? Can the linesmen call that? (Apparently so, but it came across like they only called it after Conroy complained enough and/or they'd seen it on replay.)
GOAL 2-1 Flames (16:47)…Jarome Iginla wrists a PPG past Valiquette from a nice centering feed from ex-Ranger midget, Nigel Dawes
Kiprusoff makes a big stop on Lisin after a bad giveaway by Phaneuf in his own zone, then two more quickly on Higgins…Langkow gets called for slashing in the last two minutes…Yet more stops by Kipper during the PP…Weekes shows that Valiquette took a big snow-shower in the face right before Iginla scored
2nd Intermission
Just a brief highlights round-up, Milbury's participation mercifully ending, with ex-Ranger midget P.J. Stock putting a shift in from his CBC cupboard
3rd Period
Confirmation that Dubinsky is not returning…I'll be surprised if his hand isn't broken…Brian Boyle as a #2 center? Great…Another interference call on Moss after Langkow's return…Again, several good chances for the Rangers on the PP, but more key saves by Kiprusoff…A 200ft bouncer gives Valiquette some trouble, but hardly the near-miss that Lee seemed to see in his excitement
A feisty shift at last from Avery…He ends up taking a fairly decent hit from Phaneuf, but again not the massive collision that Lee described (which he acknowledges after a second look)…Olli Jokinen hits the post as the puck bounces back to him after a botched 3-on-1 break…A rare attack by the Flames at this point…Kotalik fails to convert a 2-on-1 rush with Higgins as Moss backchecks strongly (and avoids taking an interference penalty this time)…Girardi is "putting on a clinic" according to Weekes…The Flames immediately check into Girardi's clinic to get priority vaccination against cancer and HIV
GOAL 3-1 (16:35)…A Marc Staal giveaway leads to another 3-on-1 the other way and an exchange of passes results in Bourque putting the game away…Dawes racks up his third assist of the night (24 assists in 121 games as a Ranger…grrr)
Valiquette is pulled with 2:30 left in the game…one last big save from Avery by Kiprusoff, but no major scares for the Flames…FINAL SCORE 3-1 FLAMES
A surprisingly strong effort from the Rangers in the circumstances…Just couldn't get anything by Kiprusoff…If Drury (despite his ongoing invisibility) and Dubinsky (despite his ongoing inconsistency) are gone for any length of time – and it looks like they will be – big problems down the middle for the Rangers…Not that impressed by Calgary (unlike Lee and Weekes), but a good thing to win when not doing much…They've clearly been (re)Sutter-fied a great deal since last year


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Members of Escondido Country Club have forged longtime friendships, celebrated key milestones and laughed together since the club opened more than 40 years ago.
Some met their spouses, some won money in high-stakes gin games and others danced and tossed back martinis during parties and fancy dinners.
But that social world will end Monday when the new owners of the financially struggling club say they'll shut it down and look to replace it with a large housing tract.
In interviews last week, members and North Escondido residents reminisced about the club's most famous characters and discussed what the club has meant to three generations who've enjoyed the camaraderie.
"Everybody came here and partied on just about every Friday, Saturday and Sunday," charter member Jeannie Buckman said. "It was dressy and a great place for dinner."
Buckman was referring to the club's 1970s and 1980s heyday, when potential members faced a long waiting list and joining fees had climbed higher than $10,000.
"Having a country club here made this a prime area," said Buckman, 83. "It was mostly members who used the club, but the restaurant was open to the public, and outsiders often held parties over the holidays."
Alan Skuba, a club member who also served on the Escondido City Council from 1968 to 1976, said the club was a place for power lunches and occasional business deals.
"It was a gathering spot for professionals and everyday people," he said. "It was a central hub for the community."
The Chamber of Commerce and several civic clubs had their regular meetings at the country club, Skuba said.
Having a civic hub on the northern edge of Escondido was a significant change for the city, said Lorraine Boyce, who served on the council from 1970 to 1978.
"North Escondido was considered 'in the sticks' back then," Boyce said, explaining that downtown and south Escondido dominated the city at the time. "And until Emerald Heights was built in the 1980s, it was still considered 'in the sticks.'"
Boyce said that even after the club opened and roughly 1,200 homes were built around it, south Escondido near Felicita Park was still perceived by most as the richest part of town.
"The country club wasn't considered a snobby place at all," said Boyce, who lived nearby but never joined. "It was considered a place for the community."
And it hosted many community events and parties, including several high school reunions.
Jim Ahler, a 1965 graduate of Escondido High, said his 10-year, 20-year and 30-year reunions were all celebrated at the club.
Ahler, a club member since 1982, said it's played a crucial role in his life.
It's where he met his wife, Mary. It's where he became part of a longtime golf foursome called the "Amigos," who still play every Monday, Wednesday, Friday and Saturday. And it's where much of Ahler's extended family spent part of each summer.
"Most of my nephews learned to swim at the Escondido Country Club," he said.
He also described spirited gin games featuring club member E.W. Hale, and golf pro and TV commentator Gary McCord playing the course several times.
Ahler said an informal poll he conducted recently indicated the club's best all-time golfer was Maurice Mullins, who won several club championships, and that the most popular club pro was Tom Sims.
The three most beloved waitresses were Carol, Darla and Wanda, he said.
"Carol remembered everyone's name and what they liked to order, but she could never get their check right," Ahler joked.
He said many regular foursomes became lifelong friends.
"You'd get in with a group of guys and you'd play with them for a really long time," he said.
But the club began to struggle during various ownership changes and as competition increased from new golf courses opening across the region.
Ahler said the members might also be partly to blame for the club's demise. He said they were slow to welcome new members who wore jeans, put their caps on backward or didn't look the part of typical country club members in other ways.
"We always looked down on people like that as riffraff, and that was probably a mistake," he said.
Membership recently dwindled to 130 from a high of 500, members said.
But the club's value to the community recently prompted a large group of residents to pursue a city ballot measure that would block the new owners, Stuck in the Rough LLC of Beverly Hills, from replacing it with housing.
The initiative would preserve the 100-acre club as a permanent greenbelt.
The residents have said Stuck in the Rough targeted the club for housing before the purchase. But company officials say the decision to close the club came after they examined the finances and realized that was their only choice.
Jerry Swadley, leader of the resident group, said it has raised about $90,000 of the $500,000 they expect to need for consultants, attorneys and paid signature gatherers.


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Spring 2020 classes have resumed online.Please visit
dcccd.edu/coronavirus for additional information and to
learn how to prepare for online classes.
Continuing Education provides many options to quickly learn a language. Whether for work or leisure, classes are offered in a wide variety of languages such as:
If English is your second language, you can also improve your English skills through our ESL program.
The languages taught vary by semester and college. Check out our
class schedules to see the language courses offered now at all of the colleges of DCCCD.
Classes are offered on campus, online or through other distance education media, and can also be customized and taught at work as a service of contract training. They can focus specifically on conversational skills or include reading and writing.
All Continuing Education language classes offer a fast, fun and cost-effective way to improve your communications skills.


text:
Technology doesn't change the world. People do.
As a technology staffing firm, we can't think of a more fitting mantra. We're extreme believers in technology and the incredible things it can do. But we know that behind every smart piece of software, every powerful processor, and every brilliant line of code is an even more brilliant person.
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Apply for this job now or contact our branch office at 888-490-4429 to learn more about this position.
All applicants applying for U.S. job openings must be authorized to work in the United States. All applicants applying for Canadian job openings must be authorized to work in Canada.
2019 Robert Half Technology. An Equal Opportunity Employer M/F/Disability/Veterans.
By clicking 'Apply Now' you are agreeing to Robert Half Terms of Use.


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Herbert Badham, studied at the Sydney Art School (1921-26) and later taught at East Sydney Technical School (1938-1961). He wrote an important historical survey of Australian art which was published in 1949.
In his own work Badham tended to concentrate on domestic or mundane subjects which he recorded with meticulous detail but which also tend to be imbued with a sense of the uncanny. This busy scene with some of its perspective distorted by mirrors and windows is no exception, as we loose our ability to distinguish between what is real and what is reflection.


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The Central Connecticut volleyball team will head to New Hampshire on Friday to play four matches at the Big Green Invitational hosted by Dartmouth. The Blue Devils will play the host Big Green at 3 p.m. on Friday.
CCSU will follow its match against Dartmouth with a contest against Grand Canyon University at 5:30 p.m. Then on Saturday, the Blue Devils will play Providence at 9:30 a.m. and Manhattan College at 5 p.m.
The Blue Devils (2-4) have posted a 1-2 record at each of the tournament they have entered this season.
A look at CCSU heading into the weekend:
Sophomore Makenna Lommori and freshman Brooke Schwabearned All-Tournament honors at the Colgate Classic in August and sophomore Heather Truemanwas named All-Tournament at the Sacramento State Invitational last weekend.
In addition, Schwab has earned a pair of NEC weekly honors. She was named Molten/NEC Defensive Player of the Week on Sept. 3, and rookie of the week on Sept. 9.
The match against Grand Canyon will be the first ever meeting between the programs. As GCU is in its first year of Division I competition.
Fans can watch live video of the Dartmouth match and live stats will be available for all four Blue Devil matches.


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Expanding Buildings-to-Grid (B2G) Objectives in India. 2013. LBNL-6369E..
Grid Integration of Aggregated Demand Response, Part 1: Load Availability Profiles and Constraints for the Western Interconnection. 2013. LBNL-6417E..
Hawaiian Electric Company Demand Response Roadmap Project Final Report. 2013. LBNL-6215E..
Identification of Demand Response Potential for Microgrids Using the Distributed Energy Resources Customer Adaption Model, A Case Study of the Alameda County Santa Rita Jail for 2011. 2013. LBNL-1005114..
"Los Angeles Air Force Base Vehicle to Grid Pilot Project." ECEEE 2013 Summer Study on Energy Efficiency 2013. LBNL-6154E..
Market and Policy Barriers for Demand Response Providing Ancillary Services in U.S. Markets. 2013. LBNL-6155E..
Opportunities for Demand Response in California Agricultural Irrigation: A Scoping Study. CEC/LBNL, 2013. LBNL-6108E..
"Understanding the Effect of Baseline Modeling Implementation Choices on Analysis of Demand Response Performance." ASME 2013 International Mechanical Engineering Congress & Exposition. Houston, TX, 2013. LBNL-5560E..
Addressing Energy Demand through Demand Response: International Experiences and Practices. Lawrence Berkeley National Laboratory; ENERNOC, INC., 2012..
Assessing the Control Systems Capacity for Demand Response in California Industries. CEC/LBNL, 2012. LBNL-5319E..
Demand Response Opportunities and Enabling Technologies for Data Centers: Findings From Field Studies. PG&E/SDG&E/CEC/LBNL, 2012. LBNL-5763E..
"Demand Response Providing Ancillary Services A Comparison of Opportunities and Challenges in the US Wholesale Markets." Grid-Interop 2012. Irving, TX, 2012. LBNL-5958E..
"Deploying Systems Interoperability and Customer Choice within Smart Grid." Grid-Interop 2012. Irving, TX, 2012. LBNL-6016E..
Examining Synergies between Energy Management and Demand Response: A Case Study at Two California Industrial Facilities. LBNL/PG&E, 2012. LBNL-5719E..
Fast Automated Demand Response to Enable the Integration of Renewable Resources. CEC/LBNL, 2012. LBNL-5555E..
"Field Demonstration of Automated Demand Response for Both Winter and Summer Events in Large Buildings in the Pacific Northwest." Energy Efficiency Special Issue on Smart G (2012). LBNL-6216E..
Field Testing of Automated Demand Response for Integration of Renewable Resources in California's Ancillary Services Market for Regulation Products. LBNL, 2012. LBNL-5556E..
HAN Attack Surface and the Open Smart Energy Gateway Project. LBNL, 2012. LBNL-6013E..
The Impact of Control Technology on the Demand Response Potential of California Industrial Refrigerated Facilities Final Report. CEC/LBNL, 2012. LBNL-5750E..
"Intelligent Building Energy Information and Control Systems for Low-Energy Operations and Optimal Demand Response." IEEE Design and Test of Computers 29.4 (2012) 8-16. LBNL-5894E..
"LEED Demand Response Credit: A Plan for Research towards Implementation." 2012 Greenbuild Conference & Expo. San Francisco, CA, 2012. LBNL-6014E..
"OpenADR Advances." ASHRAE Journal 54.11 (2012). LBNL-6055E..
Opportunities for Automated Demand Response in Wastewater Treatment Facilities in California - Southeast Water Pollution Control Plant Case Study. CEC/LBNL, 2012. LBNL-6056E..
Price Responsive Demand in New York Wholesale Electricity Market using OpenADR. LBNL/NYSERDA, 2012. LBNL-5557E..
"Responsive and Intelligent Building Information and Control for Low-Energy and Optimized Grid Integration." ACEEE 2012 Summer Study on Energy Efficiency in Buildings, August 12-17, 2012. Pacific Grove, CA, 2012. LBNL-5662E..


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All News Releases By Date
U.S. EPA Seeks Public Comment on Proposed Permit for Carbon Sequestration Injection Well in Decatur, Illinois
Release Date: 04/16/2014
Contact Information: Peter Cassell, 312-886-6234, firstname.lastname@example.com
CHICAGO - The U.S. Environmental Protection Agency is accepting public comment on a proposed permit that would allow Archer Daniels Midland to inject carbon dioxide deep underground at a facility in Decatur, Illinois. This process – known as "carbon sequestration" – is a means of storing carbon dioxide, a greenhouse gas that contributes to climate change. The public comment period opens today and closes May 30, 2014; a public hearing will be held on May 21, 2014.
ADM plans to capture carbon dioxide emitted during the production of ethanol at the company's Decatur facility and to inject the carbon dioxide deep underground in the proposed well. ADM's goal is to capture and inject 1.1 million metric tons of carbon dioxide each year. Sequestering 1.1 million metric tons of carbon dioxide each year is the equivalent of eliminating carbon emissions from 232,000 cars.
The public hearing on the proposed permit will begin at 7 p.m. on May 21 at the Decatur Public Library, 130 North Franklin Street. Oral and written comments will be accepted at the hearing. Two question-and-answer sessions will be held at the library before the public hearing: from 11 a.m. to 1 p.m. and from 5 p.m. to 7 p.m.
Draft documents and information about the public hearing are available at the Decatur Public Library and on EPA's website at www.epa.gov/region5/water/uic/adm. Comments can be submitted online at www.epa.gov/region5/water/uic/adm or mailed to Allan Batka, U.S. EPA (WU-16J), 77 W. Jackson Blvd., Chicago, IL 60604-3590. For additional information contact EPA's toll-free line at 800-621-8431, 8:30 a.m. to 4:30 p.m. (weekdays).
Search this collection of releases | or search all news releases
View selected historical press releases from 1970 to 1998 in the EPA History website.