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Editorial: Energy Efficiency Advice to the Next Administration
As I write this editorial in early October, the outcome of the election remains uncertain. That's just fine, because it allows me to offer early advice to whichever candidate wins. Here are some recommendations based on my years with Home Energy.
The government plays an important role in lowering energy demand. If Americans expect the government to establish policies to regulate natural-gas fracking and power plant emissions, then it should also address energy efficiency. The opportunities for energy efficiency may look small individually, but they add up quickly, when 4% of national energy is consumed by water heaters and 6% by home air conditioners. Amazingly, roof racks on cars alone—which have terrible aerodynamics—add 2% to the nation's gasoline bill.
Get the energy price right. A sustained investment in energy efficiency and the incentive to conserve energy requires constant prodding. That prodding can take place through energy bills. The price of energy must reflect all the costs of energy production and consumption, from the cost of installing scrubbers to the cost of long-term storage of waste. And we should strive to make sure that the people who pay for the energy are also the ones responsible for investments in energy efficiency. Problems such as the split incentive between landlord and tenant—where the tenant pays for electricity and the landlord is responsible for any home improvements that could increase the efficiency—abound in our economy and lead to insufficient investment in efficiency and excessive energy use.
Acknowledge that some people won't ever be able to pay their energy bills, and deal with it. The government—at some level—is responsible for the welfare of its citizens, so we need to deliver a minimum level of services. But it would be silly to subsidize energy bills to inefficient homes; that's why a weatherization program still makes sense.
Get your own house in order. The federal government is the country's largest energy consumer, and even after it has made significant efforts to increase the efficiency of its offices and buildings, there remains much energy to be saved. There's a good argument that the government should set an example. Indeed, the armed forces are leading the charge to increase efficiency and to install renewable energy sources.
Undertake and support research and development of energy efficiency technologies. It's amazing how often the private sector overlooks promising areas of research and development that would lead to profitable new products and services. This is especially true in the energy efficiency sector. The government certainly has a role to play in long-term research. But it may have a role to play in near-term research as well, given the reluctance (or inability) of the private sector to undertake this. DOE's highly successful research program to improve solid-state lighting is an example of research and development that delivered on both time scales—in the near term and over the long term.
Reduce the burden of gathering energy-related information. To make an informed decision regarding energy efficiency, it is first necessary to gather information. But gathering information is time consuming and expensive. The need for information ranges from that of an individual trying to choose between two heat pumps to that of a firm—or Congress—trying to understand our nation's energy consumption patterns. That's why the government needs to reduce the burden of gathering information—thereby saving everybody money. Think Energy Star. The government verifies the energy efficiency of new products, establishes credible rating schemes, and perhaps should certify professionals. Also, we need the data to know, nationally, how we are doing, in order to promote successful programs and eliminate failures. The federal government is in a good position to gather and analyze that data.
Vigorously enact and extend minimum-efficiency standards and codes. Standards save consumers both energy and money; they're a national bargain. There's a reason why nearly every country in the world has adopted minimum-efficiency standards: They simply work. But they must be reinforced with verification, enforcement, and training; governments sometimes forget that.
None of these recommendations is surprising, and it's still difficult to translate broad pronouncements into specific actions, but the new administration should start with these suggestions. Do you agree? Disagree? Either way, I look forward to receiving your comments.
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table of contents
|Kernel Developer's Manual
NAME¶vm_page_bits, vm_page_set_validclean, vm_page_clear_dirty, vm_page_set_invalid, vm_page_zero_invalid, vm_page_is_valid, vm_page_test_dirty, vm_page_dirty, vm_page_undirty — manage page clean and dirty bits
SYNOPSIS¶#include <sys/param.h>
#include <vm/vm.h>
#include <vm/vm_page.h> int
vm_page_bits(int base, int size); void
vm_page_set_validclean(vm_page_t m, int base, int size); void
vm_page_clear_dirty(vm_page_t m, int base, int size); void
vm_page_set_invalid(vm_page_t m, int base, int size); void
vm_page_zero_invalid(vm_page_t m, boolean_t setvalid); int
vm_page_is_valid(vm_page_t m, int base, int size); void
vm_page_test_dirty(vm_page_t m); void
vm_page_dirty(vm_page_t m); void
vm_page_undirty(vm_page_t m);
DESCRIPTION¶vm_page_bits() calculates the bits representing the
DEV_BSIZE range of bytes between
base and size. The byte range is
expected to be within a single page, and if size is
zero, no bits will be set.
vm_page_set_validclean() flags the byte range between
base and size as valid and clean.
The range is expected to be
DEV_BSIZE aligned and no
larger than
PAGE_SIZE. If it is not properly aligned,
any unaligned chucks of the
DEV_BSIZE blocks at the
beginning and end of the range will be zeroed.
If base is zero and size is one
page, the modified bit in the page map is cleared; as well, the
VPO_NOSYNC flag is cleared.
vm_page_clear_dirty() clears the dirty bits within a page in
the range between base and size.
The bits representing the range are calculated by calling
vm_page_set_invalid() clears the bits in both the valid and
dirty flags representing the
DEV_BSIZE blocks between
base and size in the page. The
bits are calculated by calling vm_page_bits(). As well as
clearing the bits within the page, the generation number within the object
holding the page is incremented.
vm_page_zero_invalid() zeroes all of the blocks within the
page that are currently flagged as invalid. If setvalid
TRUE, all of the valid bits within the page are
In some cases, such as NFS, the valid bits cannot be set in order to maintain
cache consistency.
vm_page_is_valid() checks to determine if the all of the
DEV_BSIZE blocks between base
and size of the page are valid. If
size is zero and the page is entirely invalid
vm_page_is_valid() will return
in all other cases a size of zero will return
vm_page_test_dirty() checks if a page has been modified via
any of its physical maps, and if so, flags the entire page as dirty.
vm_page_dirty() is called to modify the dirty bits.
vm_page_dirty() flags the entire page as dirty. It is expected
that the page is not currently on the cache queue.
vm_page_undirty() clears all of the dirty bits in a page.
NOTES¶None of these functions are allowed to block.
AUTHORS¶This manual page was written by Chad David ⟨email@example.com⟩.
|December 1, 2001

subset: commoncrawl


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Nursery & cutflowers
Western Australia has a significant nursery industry and also grows exotic and Australian native flowers for local and export markets. Nurseries exist in most areas from Broome to Esperance.
Important sectors include land rehabilitation after mining and on farms, state and local government, seedlings for commercial growers and home gardens. There is growing emphasis on 'waterwise' plants using local provenance species.
Sales of exotic cutflowers are primarily local whereas waxflowers, South African proteas and bush-picked flowers and foliage are mostly exported.
The Department of Primary Industries and Regional Development has developed new hybridised waxflower varieties and produced reports on best propagation, field and postharvest management practices of these crops.
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What a colossal disappointment these kids are for their parents. And when Mr. Helm says it's absurd to put accountability at the foot of the parents–then who in heck is raising them?? Don't believe any apology from that kid he's only apologizing because he got caught. Why is the dad apologizing publicly when it should be the kids who should be having to post apologies on YouTube. Brave enough to post the abhorrent behavior; well then be brave enough to post the apology but of course if you don't mean it then why post it, right?
I just sent some suggestions to you and I have no idea if you received them.
!. Have the parents talk to the police about the boys spending a night in jail over the weekend.
2. They should do some chores for the lady, cut her grass during the summer and other odd jobs.
3. Fall they should rake her leaves and clear her sidewalk and if she has a driveway of snow and continue doing odd jobs into the next school year. They will learn responsiblity of growing up of respecting their elders of family or friends or strangers.
4. This rude behavior is all over not only public schools, private schools, business, public places; you name it and it's all over and much worse in Europe.
5. This behavior starts at home and needs to crushed Now! It's like a disease that is out of control for decades.
I'm from Omaha, Ne., and it's fine people are very concerned about this dear lady in what she went through on the school bus. Harrassment is an on going situation in schools from elementary to college.
I have a suggestion if the parents of the boys who did this, even though some have apologized. How about the parents talk to the police and have the boys spending a night in jail over the weekend. This is not harsh, nor mean but a wake up call of what could or might happen if they go the wrong direction in life of robbery, stealing and so on.
This is just a suggestion and I believe it might really scare them of what they did is Very Wrong.
Also, along with the Parents and the Police are serious and mean business. They should also do some community work of cutting the ladies grass and any other work she needs for the summer. They should also continue helping out when school starts of raking leaves, clear snow off her sidewalk and or driveway.
Excuse me! Did anyone else hear the female progressing the bullying of Karen? I am a 57 year old female, and women of my age still do this. Some people never seem to grow up! Have you been in the grocery lately and see how the female customer talks to the lady checker? I just take my turn and say,"I'm so sorry she talked to you that way." Perhaps sometimes we should say, "stop that!"
Along with millions of others I was moved by what happened to this lady. The kindness of the person that put up the page on Indiegogo is wonderful and it certainly has surpassed his expectations. In looking at Indiegogo I see some people starting to think it is a SCAM. My suggestion is that with your influence you follow this...perhaps get a financial advisor, an attorney, yourself, or some person or company of stature involved and make certain that the donated funds go to Karen Klein. I want to believe the good citizen will follow through with this but a large sum of money is building and it would be good if there were transparency with Karen's money. I could be a great follow up show to let people know that kindness does exist.
I felt disgusted by watching the video of the kids verbally abusing an older person. I want to see the mothers and fathers of these kids, because their kids learned this from them. They need to make their names public information, so the public can deal with them on their own level... including with the cowards who saw all this and did not have the balls to say something like Luis , whom we saw on tv... he videod but had nothing to do with it... right...Enough is enough, PARENTS if you don't teach manners to your kids... you will reap what you saw at old age... stand up and be a parent....
Anderson Cooper deserves much praise for his efforts in supporting someone's Mom, Grandmother, Woman and most of all a member of the Human Race. It is a reflection of someone in power and the media who promotes kindness on the airwaves. Media, Hollywood and Humanitarians take note! It's been too long since kindness was promoted more than angar. I am so thankful for his and others efforts to combat bullying. No one should have to suffer national news in what was humiliating enough on the bus. I still believe in the human spirit of America to rise above social norms and reach into the hands of tomorrow as a role model for peace. As I age it is not easy to accept. In other countries age is respected and regarded as golden. Betty WHite's Off Your Rockers should give them a visit. I think the Karen is beautiful inside and out and deserves a crown for her humility and beauty as she refused to respond to their level even asking for them not to rec. punishment. She is truly a peacemaker and thanks for noticing Anderson.
For all the people who responded yesterday that Ms. Klein was not competent to do her job or that her superiors were incompetent for putting her in that position, I would like to respond. The position of bus monitor is not tantamount to Chief Financial Officer for a publicly-traded corporation nor a candidate for vice president. To project such lofty vetting requirements on this position is ludicrous. Ms Klein handled the situation in a fully appropriate and professional manner. The children were not bullying other children but rather were abusing her - no children were in danger. Ms. Klein could have lashed out in anger - and what would that have proven? Such bullies probably hail from homes that favor the resort some form of violence as a way to control behavior. Ms. Klein responded in a way that was most human: she silently accepted the abuse and tried to sublimate its message. The light of righteousness was ultimately shined on her actions, and as a final testimony to her decency, she only asked that the bullies "never do this to another person." Somewhere there is another bus monitor, or similar worker, who is elderly and trying to get by in a job that does not pay very well in a world that seems to have lost respect for our seniors. Ms. Klein's quiet defiance and graceful handling of a bad situation has undoubtedly helped those who will face a similar circumstance. The world needs more Ms. Kleins.
Sorry the lady was put through this by horrid kids but.... This is a grown woman so a teasing by a few little brats is unpleasant but hardly traumatic. More important are these questions: 1) If it had been a child enduring 10 min of this, what would she have done – nothing? What does a bus monitor do? 2) What was the driver doing about it? 3) What are the protocols when bullying occurs on the bus? 4) They gave a terrible message to the other kids on the bus – if you are bullied don't expect an adult to intervene!
I am sad for this woman, the parents who raised these kids and these pathetic kids and their evil behavior.
But....what is the job of a 'Bus Monitor'. Does the school district just plant someone in the bus seat, like they would a potted plant? Are there any qualifications for this job? Does the individual need to be able to discipline/repremand the students.
Are there procedures for students who misbehave? Same as those in the school? I blame the school district for putting an individual in this job that had no obvious ability to deal with the out-of-line kids.
Punishment should be community service. They should have to go to other schools and be the "true" examples of speaking on the subject of bullying.
Those kids only apologized because they got caught. Its a shame that they did what they did...Shame on them.
I take it theses boys were raised by a pack of wolves! the acted like they dont have parents. If my child ever acted like that I would be at a loss for words. This is pure bullying with all the storys of bullying these days they didnt get the memo? oh not when you live with the wolves. But some one was smart enough to post this vidio. I think some one needs to go madea on there sorry butts and teach there parents how to be parents, because they havnt done there jobs. Even if they only have one parent there are no excuses for this to happen, where is respect your elders at? these kids are sad and there parents are even sader. They do need some form of punishment from the courts!
I think think their parents should be accounted for. Thats what happens when you spoil your children. ITS CALLED RESPECT AND IF YOU DONT LIKE IT .RESPECT YOUR ELDERS. THEY WERE HERE BEFORE YOU AND IF YOU CANT DEAL WITH THAT. Get counseling.
Wow. I guess I'm the first to comment on this here.
While I feel for Ms. Klein, I can attest that this sort of behavior is nothing new. I've experienced it all my life, from the time I started riding the school bus when I was eight to the present time, 47 years later. Whenever I'm in the company of a group adolescent males whom I don't know, I hear comments like these. Fat people, especially fat females, are easy and gratifying targets; It's easy to upset us, to get a reaction, and as Ms. Klein surmised, I believe they try to outdo each other in how vicious and hurtful they can be. They seem to take pride in it. I've experienced this sort of abuse from groups of adolescent females, as well, but not as consistently. I've heard it all enough times that I, like Ms. Klein, no longer give them the satisfaction of a reaction, but it took me some 35 years to accomplish that self-control.
While this incident is nothing new to me, I am quite surprised at the general reaction people seem to be having to it. Considering the general societal attitudes about fat people, and fat women in particular, fat people are perceived to be fair game in the predominant culture. Indeed, I would wager (and probably win) just about any amount of money that more than half the people who are "astonished" or "appalled" by this completely average and normal behavior have also participated in such incidents when they were adolescents. I wonder if the general reaction to the video of this particular incident isn't, at least in part, the result of self-recognition and embarrassment. It certainly should be.
Finally, I'm glad one of the young men involved was proud enough of his friends' behavior that he thought to record the incident. No one ever believed me when I recounted such experiences in the past – not even recently. This is a brilliant mirror held up to the face of the predominant culture.
I'm disgusted by the behavior of these children and the behavior of their parents, we're in a society where parents aren't getting involved and taking responsibility of their own children's action. They don't need to be charged or suspended from their school, but they do need community service for thirty days, they need their phones and computers taken away, they need to pick up trash from the side of the roads or helping the elderly. Their parents need supervise and make sure they're doing all these things so they can think twice before doing something like this. They need a stern talking too, their parents needs to be involved and they need to learn that what they do have consequences and that these actions aren't acceptable.
So very, very, very disappointing and sad to see the lack of respect for humanity in this video. I hope AC360 stays on this story, and these children are punished for their behavior, including community service, preferably in a nursing home. Kudos to the dad who did apologize to Ms. Klein and Southwest for giving Ms. Klein and nine guests a vacation to Disney World. Prayers and blessings to this woman.
I really feel for this woman and she is very strong but what about the kids who endure this every day for years and have no support and are lacking the life experience to deal with this type of abuse.


text:
CORINNE D SADLER is a Nurse - Registered Nurse licensed to practice in Utah. The address on file for CORINNE D SADLER is , , CANADA. This nurse license is not current. The license was granted 09/01/1987 and expired on 01/31/1995.
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Lost and Found
Last night, while reading my Chicken Soup story just before dropping off to sleep, I saw a rather large (in my peripheral vision it was the size of a small tarantula) spider run up my bed to my pillow. I will not tell you the stream of words that came out of my mouth.
I jumped up out of bed and stripped off my nightgown to make sure it wasn't hiding on me somewhere and before I started stripping my bed., I put on snug fitting pajamas just so I would know for certain I had nothing on me. I then got out the vacuum and tried to move the bed. It weighs a ton and I was shaking so much my strength was missing. I gave up and went to sleep on the sofa for all of four hours.
What does this tell me? I need to do some more cleaning out. I have been continuing to purge since Alys' visit but last night set up a more in-depth purge. I had bags of fabric (hiding) under my bookcase headboard that I've been wondering where it should go. After pushing the bed out and dragging all those plastic bags of "I'm gonna" fabrics out, they are now in the thrift store box. Vacuuming and searching brought no results for the spider so I'm still quite jumpy.
I will admit that going through things is a good idea and have been bragging to anyone who would listen about my Alys adventure. I was looking through a bag on it's way to the thrift store when I found a treasure rolled up in other things. My mother had finished this needlepoint for me well before my move to Arizona in 1999. I couldn't figure needlepoint out but mom excelled at it and I loved the design. With everything that happened during the ensuing years, this needlepoint went missing. When I showed it to my daughter, she was stunned and agreed that it had to be framed and hung. She helped me to pick the mating and frame since it will one day grace her walls.
My Alys worship affected one of my sewing friends who frequently spoke about buying a new, easy to carry machine. She knew just what she wanted and was going to go shopping. But first she had to do a little closet cleaning so there would be room for her machine. At the next gathering of our sewing group, she had to do a show and tell. It was her new machine and it's little carrying case…that she found in the back of her closet! It had been there so long, she had to refresh herself on how to use it. Of course, we had to help her get it all figured out so she could quickly enjoy her find.
I'm having a glass of wine tonight in hopes of a real night's sleep. Cheers.
Have you ever lost things only to find them years later right where you put them? What does it take to get you to part with things that you "were gonna" use? Hopefully not a big spider.
From my heart to yours,
Marlene Herself


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Lenovo's Windows 8 tablet, the ThinkPad Tablet 2 (including its keyboard dock), will retail for $799, the company told WP Central Thursday. The 10.1-inch tablet has a 1366x768 display and a reported battery life of ten hours.
Previously the ThinkPad Tablet 2 was rumored to be between $600 and $700 in price, though most of the speculation was unclear about whether the keyboard would be included (for some Windows 8 tablets like the Asus Vivo Tab and Vivo Tab RT, docks are sold separately). Lenovo may be wise to keep the pieces bundled together, as Microsoft's own hardware choices have implied Windows 8 is an anger-making experience without a separate keyboard. The full version of Office 2013 is included, but it's unclear whether the docks that add an Ethernet port, HDMI, and three USB ports will be in the box as well.
We can't say that we're huge fans of the keyboard dock we've seen appearing alongside the ThinkPad Tablet 2, due to the fact that it forces the tablet to sit at a fixed angle. Clamshell designs that allow the tablet to close against a keyboard are a little more appealing, but we're not without alternatives, like the HP Envy X2.
WP Central notes that the ThinkPad Tablet 2 is targeted more at enterprise than consumers, and that Lenovo's RT tablet segment will likely hit a $300-$600 price range. The tablet's speculated release date is October 26, right alongside Windows 8 itself.


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The groundbreaking exhibition In Wonderland: The Surrealist Adventures of Women Artists in Mexico and the United States is open to members now and opens to the public on Sunday. In Wonderland features more than one hundred and seventy-five surrealist works of art created by women, including painting, sculpture, photography, and more.
Where one adventure begins, another comes to an end. The highly acclaimed exhibition Contested Visions in the Spanish Colonial World closes Sunday night, having been hailed by the Los Angeles Times as one of the best exhibitions of 2011. This weekend is a unique opportunity to see three major exhibitions, including California Design, 1930–1965: "Living in a Modern Way," together in the Resnick Pavilion for just two days.
Chris Burden's Metropolis II gears up for another weekend of futuristic commuting. Be sure to check the hours of operation before visiting to ensure that you see Metropolis II in action.
- Fridays: 12:30–1:30 pm; 2:30–3:30 pm; 4:30–5:30 pm; 6:30–7:30 pm
- Weekends: 11:30 am–12:30 pm; 1:30–2:30 pm; 3:30–4:30 pm; 5:30–6:30 pm
There's a lot going on outside of our galleries too. Tonight at 7:30 pm, we're screening the Mexican film The Other Conquest, followed by a panel Q&A that includes the film's director, Salvador Carrasco. The screening is free and tickets are available via a standby line that will form at the Hammer Building Ticket Office at 6:30 pm.
Andell Family Sundays switch themes this weekend, focusing on the zodiac and Ai Weiwei's Circle of Animals/Zodiac Heads.
Brasil Guitar Duo performs works by Rameau, Castelnuovo-Tedesco, and others during the free Sundays Live concert in the Bing Theater.
On Sunday at 2 pm, author Amy Novesky reads from her children's book Me, Frida. Also on Sunday, sculptor and photographer Thomas Demand and filmmaker Alex McDowell discuss models as tools and interpretations of worlds at Art Catalogues in the Ahmanson Building at 4 pm.
One note: The Art of the Americas Building will be closed this weekend; however, Maria Nordman FILM ROOM: SMOKE, located on level two of the Art of the Americas Building, will remain open throughout the weekend.
Jenny Miyasaki


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Elected county Judge Tom Head is stirring up controversy in Lubbock, Texas. Judge Head made comments which were broadcast by CNN affiliate KJTV. Head claimed that after re-election President Obama '...is going to try to hand over the sovereignty of the United States to the U.N.,' he continued on to say 'I'm thinking worst case scenario now. I'm talking civil unrest, civil disobedience, civil war, maybe...'
Afterwards, at a county commissioner meeting, Head explained his remarks by saying 'I don't think those things that I mentioned yesterday are going to happen.'
Judge Head is also the county's emergency management director. He continued to defend the comments at the public meeting ... 'Worst case scenario, U.N. comes in and does all their stuff, ok, that's probably not gonna happen, ok? But I have to prepare for it. Worst case scenario we probably won't have an F-5 tornado coming through Lubbock, but if it happens, we gotta be ready for it.'
Texas Democrats are calling for his resignation. CNN's Ed Lavandera reports.
Post by: Anderson Cooper, Ed Lavandera
Filed under: Ed Lavandera • President Barack Obama
Comments like Judge Head's make me wish that Molly Ivins was still alive to write about them.
This another example of how this country is headed. The state of texas is rebounding from an election defeat of Gov. Perrys Lt. Gov.in his defeat by Senate Elect Tony Cruz. A spanish speaking well educated Texas elected official. Senator elect Tony Cruz reflects an intense and inevitable course of events that will eventually meet head on the desperate and racist injustice directed to spanish speaking people in the United States. Judge Head is simply an example of that injustice. Nothing more needs to said. "porque somos" Albert J. Wilson
I apologize in his place for his comments, which I honestly do not expect from a person holding his profession and position. I am speechless.
If Obama would allow it the judge may be right. The simple fact is that it would never happen based on exactly what this Texan was talking about.
Proved his whole argument wrong.
Anderson Cooper goes beyond the headlines to tell stories from many points of view, so you can make up your own mind about the news. Tune in weeknights at 8 and 10 ET on CNN.
Questions or comments? Send an email
Want to know more? Go behind the scenes with AC361°


text:
Today's News: Our Take - RuPaul Heads to Happy Endings
TV Guide
He better work!
RuPaul will guest-starr on an upcoming episode of Happy Endings, TVLine reports. But who will he play?
Check out the hottest looks from the 2012 Victoria's Secret Fashion Show
The RuPaul's Drag Race host - whose full name is RuPaul Charles - will not appear as himself (in either drag or non-drag form), according to the report. Instead, he'll play Alex (Elisha Cuthbert) and Jane's (Eliza Coupe) hairdresser who takes on Max (Adam Pally) as a new client
RuPaul's episode is scheduled to air in early 2013.
Are you looking forward to his guest spot?
View original RuPaul Heads to Happy Endings at TVGuide.com
Other Links From TVGuide.com


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SAS Scandinavian Airlines - statistics & facts
Interesting statistics
In the following 4 chapters, you will quickly find the 22 most important statistics relating to "SAS Scandinavian Airlines".
Statistics on the topic
Get in touch with us. We are happy to help.
Vayola Jocelyn
Client Support Specialist– Contact (United States)
Mon - Fri, 9am - 6pm (EST)
Ziyan Zhang
Customer Relations– Contact (Asia)
Mon - Fri, 11:30am - 10pm (IST)
Kisara Mizuno
Customer Success Manager– Contact (Asia)
Mon - Fri, 9:30am - 5:30pm (JST)
Lodovica Biagi
Director of Operations– Contact (Europe)
Mon - Fri, 9:30am - 5pm (GMT)
Carolina Dulin
Associate Director - LAC– Contact (Latin America)
Mon - Fri, 9am - 6pm (EST)


text:
Explore Senior Housing options in Mexico, and nearby cities. Use the advanced filters to search specific care types such as 55+ Living, Independent Living, Alzheimer's Care, Assisted Living, Continuing Care, Low-Income Affordable, Respite Care and/ or Home Care.
The facilities offer care that fosters residents' individual skills and interests in an environment that helps to diminish confusion and agitation. Specialty services are provided in a secure environment, such as activity programs designed to include reality orientation classes and specially trained professional staff … Read More >


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Jinny Beyer
Quilting Icon
Known for her globally influenced designs and her clever use of color, Jinny Beyer has been making her mark on the quilting industry for almost 40 years. Through nearly 200 fabric lines, countless workshops and lectures, and hundreds of patterns, books, and videos, Jinny has changed the way Americans see, understand, and assemble quilts.
Mixed Motifs
"Combining patterns is what I do," says Jinny Beyer, explaining the design elements in her guest room, the oldest space in her 1750s Colonial home in Great Falls, Virginia. She unfolds the antique Flying Geese bed quilt only when company comes.
Day Lilies
Jinny's quilt Day Lilies demonstrates fabric blending using a range of shades. Each flower incorporates six different petals of seven pieces each. Set-in seams connect the blooms. The interlocking shapes of late artist M.C. Escher inspired Jinny to translate similar patterns in quilts, including this one, and write her groundbreaking book Designing Tessellations: The Secrets of Interlocking Patterns (Contemporary Books; 1999).
Personalized Quilt
Designing fabrics and patterns, researching and writing books, and teaching classes at the nearby Jinny Beyer Studio leaves Jinny with little time for personal quilting. When she does embark on a new quilt, it's often for a family member. She assembled this colorful wedding quilt for her son Darren and his wife, Terri. She left the polygon centers and borders blank to allow guests to write personal messages.
Handiwork Fondness
Anticipating the arrival of a grandson in 2010, Jinny stitched tessellating blocks in bright blues and greens for Building Blocks, a baby quilt. (Find the pattern in the February 2012 issue of American Patchwork & Quilting.) Jinny's book Quiltmaking by Hand (Breckling Press; 2004) is testimony to her passion for handwork. "You can get more done because you have all these bits and pieces of downtime," she says.
Bountiful Muses
Architectural details, such as this antique fireplace surround, add to the appeal of Jinny's historical home and provide quilting inspiration. "I've been inspired by everything from a railing on a deck to a floor in a church," Jinny says. "I keep my camera handy."
Olde World Star
Jinny Beyer's Olde World Star, made from fabrics from one of her collections, adorns the four-poster in the master bedroom.
Close Up
Olde World Star is a combination of intricate pieced stars and broderie perse, a technique where cutout chintz designs are appliquéd.
Influenced Home Decor
Jinny Beyer's quilts have inspired decorative elements in her home and garden. A wrought-iron railing en route to the garden mirrors the stars in Jinny's master bedroom quilt.
Garden Inspiration
One of Jinny's gardens is a living quilt planted in an eight-pointed star design. It is fertile ground for a patchwork of seasonal blooms, including crocus, geranium, mint, forget-me-nots, petunias, and Ageratum.
Mariner's Compass Design
A bubbling stone fountain in the garden features a Mariner's Compass design, which has become Jinny's signature pattern.
Lush Garden
The family's black Lab, Gus, takes a stroll along Jinny's vegetable garden of potatoes, tomatoes, and zucchini.
Exotic Produce
Jinny's garden contains 15 exotic varieties of chile peppers. She harvests the plants for fresh stir-fry, pickled peppers, and hot pepper jams.
Jinny Beyer Studio
The 2,500-square-foot Jinny Beyer Studio in Great Falls, Virginia (about 20 minutes west of Washington, D.C.), offers Jinny Beyer fabrics, tools, and patterns. The shop also stocks TJ Lane silver thimbles and chatelaines and other quilt-related gifts.
Rows of Color
At Jinny Beyer Studio, customers can find the whole range of Jinny Beyer Palette tone-on-tones from RJR Fabrics. The collection spans 150 shades that blend with every fabric imaginable.


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Judge approves merger of Corcoran Gallery of Art
WASHINGTON (AP) — One of the nation's oldest museums and its art college will be allowed to merge with two larger institutions, effectively dissolving one of the few independent art galleries in the nation's capital, a judge ruled Monday.
The ruling by District of Columbia Superior Court Judge Robert Okun determines the future of the Corcoran Gallery of Art and its college after years of financial and managerial trouble. The decision comes days before the Corcoran college's new school year is to begin.
Trustees of the Corcoran have sought to merge the museum and college into George Washington University and the National Gallery of Art, effectively dissolving the museum as an independent institution and handing over its $2 billion in assets.
A group of students and faculty fought the merger, arguing the Corcoran can be saved with better leadership, philanthropic support or possibly a better partnership model. Witnesses in the court case described an organization in limbo with a broken fundraising operation, struggling board, turnover in leadership and setbacks from the nation's financial crisis.
In a city full of government-funded museums, the Corcoran was one of the few independent art galleries and was celebrated for its adventurous programs in the past.
Okun had to decide whether to allow a break in the Corcoran's 1869 deed of trust that established the museum to allow for the merger. It was a legal question of whether it was "impossible or impracticable" to continue the original deed and whether the merger plan was the best alternative.
"This court finds it painful to issue an order that effectively dissolves the Corcoran as an independent entity," Okun wrote. "But this court would find it even more painful to deny the relief requested and allow the Corcoran to face its likely demise — the likely dissolution of the college, the closing of the gallery, and the dispersal of the gallery's entire collection."
Oken wrote that two internationally recognized institutions with strong commitments to art and education had agreed to step in to sustain the college and art collection under the Corcoran name.
Under the merger plan, most of the 17,000 artworks would be given to the National Gallery of Art, which would run exhibit programs in less than half the current gallery space. Most of the building would be devoted to the art school as part of George Washington University. The Corcoran would also give the university at least $35 million from recently sold art to pay for initial renovations, and the university would pay for future renovations.
Follow Brett Zongker on Twitter at https://twitter.com/DCArtBeat .


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What to Watch: 'Modern Family' finale, 'MasterChef' premiere
On TV
Say hello to a new season of "MasterChef" tonight, and then say goodbye to a season of "Modern Family." Season 4 of "MasterChef" opens with two audition rounds of amateur cooks, and Season 4 of "Modern Family" comes to a close when Phil's mother dies. "MasterChef" is on at 8 p.m. EDT on Fox, and "Modern Family" is on at 9 p.m. EDT on ABC.
Trending topic
DidBrad Pitt slam his marriage to Jennifer Aniston? That was the buzz on the Internet, but Pitt said his comments were taken out of context. He further said, "It grieves me that this was interpreted this way. Jen is an incredibly giving, loving, and hilarious woman who remains my friend. It is an important relationship I value greatly. The point I was trying to make is not that Jen was dull, but that I was becoming dull to myself — and that, I am responsible for."
Hot video: 'Hangover' baby is all grown up
Baby Carlos returns in "The Hangover Part 3." See what he looks like today.
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Arab Al-Jazeera buys Current TV from Al Gore
Al-Jazeera has a growing reputation for serious news gathering and its reporters have won some of the biggest awards in journalism. What the Pan-Arab news network doesn't have is a significant presence in the U.S.
That's about to change now that Al-Jazeera is spending $500 million to acquire Current TV, the left-leaning cable news network co-founded by former Vice President Al Gore. The deal gives Al-Jazeera access to about 50 million homes. As part of an expansion, the network is promising to hire more journalists and double the number of U.S. news bureaus it has.
Still, some big questions remain for Al-Jazeera, which is owned by the government of Qatar: How will it stand out in a crowded field of cable TV news channels? And how can it overcome an image that was cemented for many Americans when it gave voice to Osama Bin Laden in the years following the 9/11 terrorist attacks?
Marwan Kraidy, a professor of communication at the University of Pennsylvania and an expert on Arab media, said Al-Jazeera needs to overcome the perception among some Americans that it is a "toxic brand."
"The U.S. market has been the nut they wanted to crack, and this is why they pursued Current TV so assiduously," he said. "A small country like Qatar has very few tools to exercise global influence, and they've figured out that media is one of these tools."
U.S. resistance to Al-Jazeera isn't logical, Kraidy said, because Qatar's foreign policies "are very much aligned with U.S. policies at the moment."
The network, which will be rebranded Al-Jazeera America in 90 days, isn't likely to make its mark covering U.S. news events. Its expanding coverage of U.S. news may be of more benefit for its 260 million subscribers abroad.
Instead, U.S. viewers may tune in if the news channel can jump into a big international story and repeat the success they had covering the Arab Spring in Egypt and Bahrain, said Al Tompkins, a broadcast and online professor at The Poynter Institute, a journalism school.
"There will be an opportunity for them to have some play in a world story that will unfold, and we'll see if they can step into it and provide something no one else can," Tompkins said. "It only takes a few moments of brilliant work and people start noticing you."
The deal faced an initial setback, as Time Warner Cable Inc. said it will drop Current TV for business reasons, though it left open the possibility of picking up Al-Jazeera America if there is demand.
The nation's second-largest TV operator said the network doesn't have enough viewers at the moment.
"As a service develops, we will evaluate whether it makes sense for our customers to launch the network," said Time Warner Cable spokeswoman Maureen Huff.
An Al-Jazeera spokeswoman said the new network aims to present an "unbiased" view, "representing as many different viewpoints as possible." It is seeking a broad audience, starting from the base of people in the U.S. who have already sought out its coverage online.
Even after it is rebranded, the channel will continue to be carried by DirecTV, Dish Network, Comcast Corp., AT&T U-verse and Verizon FiOS, according to a person familiar with the matter. The person spoke on condition of anonymity and wasn't authorized to speak publicly.
That boosts the reach of Al-Jazeera to about 50 million homes, up from the 4.7 million that could watch Al-Jazeera English, which is available to some subscribers in New York and Washington. That's down slightly from the 60 million homes Current TV was in.
It also amounts to a hefty payday for former Vice President Al Gore and cofounder Joel Hyatt, each of whom had 20 percent stakes in Current. Comcast had less than a 10 percent stake. Another major investor in Current TV was supermarket magnate and entertainment industry investor Ron Burkle, according to information service Capital IQ.
Gore announced the sale Wednesday, saying in a statement that Al-Jazeera shares Current TV's mission "to give voice to those who are not typically heard; to speak truth to power; to provide independent and diverse points of view; and to tell the stories that no one else is telling."
Orville Schell, the former dean of journalism at University of California, Berkeley who was on Current's board, said the sale was justified.
"The reason to sell to Al-Jazeera is that they wished to buy it," Schell said in an email reply to The Associated Press. "Whatever one may think about them, they have become a serious broadcaster that covers the world in an impressively comprehensive way. Time Warner probably dropped the contract because they fear American prejudice."
Al-Jazeera plans to gradually transform Current into Al-Jazeera America. More than half of the content will be U.S. news and the network will have its headquarters in New York, spokesman Stan Collender said.
Al-Jazeera's assimilation into U.S. mainstream media hasn't been smooth. In 2010, Al-Jazeera English's managing director, Tony Burman, blamed a "very aggressive hostility" from the Bush administration for reluctance among cable and satellite companies to show the network.
As far as regulatory issues go, Collender said there are no rules against foreign ownership of a cable channel - unlike the strict rules limiting foreign ownership of free-to-air TV stations. He said the move is based on demand, adding that 40 percent of viewing traffic on Al-Jazeera English's website is from the U.S.
"This is a pure business decision based on recognized demand," Collender said. "When people watch Al-Jazeera, they tend to like it a great deal."
Al-Jazeera has garnered respect for its ability to build a serious news product in a short time. In a statement announcing the deal, it touted numerous U.S. journalism awards it received in 2012, including the Robert F. Kennedy Journalism Award Grand Prize and the Scripps Howard Award for Television/Cable In-Depth Reporting.
But there may be a culture clash at the network. Dave Marash, a former "Nightline" reporter who worked for Al-Jazeera in Washington, said he left the network in 2008 in part because he sensed an anti-American bias there.
Al-Jazeera English went on the air in November 2006. It moved quickly to establish a strong presence on the Internet, launching web streaming services and embracing new social media services such as Twitter in part to compensate for its lack of a presence on U.S. airwaves.
The English news network has a different news staff and a separate budget from the Arabic network, which launched in 1996. They and the company's growing stable of other Al-Jazeera branded channels are overseen by Sheik Ahmed bin Jassim Al Thani, a member of Qatar's royal family.
Sheik Ahmed took over last year following the abrupt resignation of the company's longtime Palestinian head, Wadah Khanfar, who was widely credited with helping build Al-Jazeera into an influential global brand. In his departure note to staff, he said he was leaving behind "a mature organization" that "will continue to maintain its trailblazing path."
Both the English and the Arabic channels actively covered the protests, violence and political upheaval that have become known as the Arab Spring.
Current, meanwhile, began as a groundbreaking effort to promote user-generated content. But it has settled into a more conventional format of political talk television with a liberal bent. Gore worked on-air as an analyst during its recent election night coverage.
Among its leading personalities are former New York Gov. Eliot Spitzer and Cenk Uygur, a former political commentator on MSNBC who hosts the show called "The Young Turks." Current signed Keith Olbermann to be its top host in 2011 but his tenure lasted less than a year before it ended in bad blood on both sides.
On Wednesday, former Michigan Gov. Jennifer Granholm said the public affairs program she hosts would stay on the air for the next few weeks before she leaves for other pursuits.
California Lt. Gov. Gavin Newsom also said he will end his show on Current TV by the end of January, although he said he decided to do so before the acquisition was announced.
Current has largely been outflanked by MSNBC in its effort be a liberal alternative to the leading cable news network, Fox News Channel.
Current hired former CNN Washington bureau chief David Bohrman in 2011 to be its president. Bohrman pushed the network to innovate technologically, with election night coverage that emphasized a conversation over social media.
Current TV, founded in 2005 by former vice president Gore and Joel Hyatt, is expected to post $114 million in revenue in 2013, according to research firm SNL Kagan. The firm pegged the network's cash flow at nearly $24 million a year.


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Software development studio Tapbots is no stranger to the iOS ecosystem, with an entire stable of "bots" available on iPhone and iPad to do your bidding. Their headliner app is Tweetbot, a Twitter application with lots of features absent from the official iOS Twitter client.
Tweetbot is popular, and creating a desktop version is the logical next step. The official OS X Twitter app is a sad and long-neglected thing, built from the ashes of the once-great third-party app Tweetie. Tweetbot for OS X, on the other hand, brings with it all of the extra features of its iOS cousin. When it was announced it seemed that it would be welcomed with open arms by Twitter-using OS X folks everywhere.
But nothing is ever that simple in Twitterland. Back in August, Twitter announced a potentially crippling set of changes to the upcoming 1.1 version of their API, which third-party applications must use to interact with the Twitter service. Chief among those changes was a general prohibition against apps that "mimic or reproduce the mainstream Twitter consumer client experience." Twitter required that all preinstalled third-party Twitter apps be "certified" by Twitter, with the terms of that certification being unknown. There was also a limitation of 100,000 users per app, enforced by handing out per-user "tokens" for use with Twitter's OAuth authentication service. The 100k user limit is soft and can be negotiated, but ultimately leaves the number of users a third-party app is allowed to have in Twitter's hands.
Tweetbot for OS X was already in public alpha when the 1.1 API changes were announced. Tapbots reacted by pulling the alpha from their website, citing the token limit issue as being the main driving factor. A public alpha would quickly consume non-expiring tokens, which could severely limit the number of copies of Tweetbot that could later be sold.
Still, the app was very much anticipated by the OS X Twitter community. Its release announcement last Thursday was met with joy—and also a bit of puzzlement. Tweetbot for OS X launched at the unprecedented (for a Twitter client) price of $19.99. It's a bit difficult to swallow, especially when the official Twitter app is free. In fact, the $19.99 price makes Tweetbot for OS X the most expensive Twitter app available on the desktop. What gives?
Talking with robots
To get to the bottom of the pricing question, Ars reached out to the Tapbots themselves and spoke with Paul Haddad, one of the studio's two founding developers.
"I actually don't think we're competing with any free apps right now," he told us via e-mail. "Twitter for Mac has from all appearances been abandoned. Echofon for Mac has been officially discontinued. TweetDeck is targeting a totally different set of users and their app is more of a Web app than a Mac app." The price for the desktop app only seems high, he continued, because of the frantic "race to the bottom" on the iOS app store. "The original Tweetie for Mac was $19.95 (it was launched at $14.95)," he points out, and "if you look over the list of Top Grossing apps on the MAS it's very hard to find anything that's under $20."
The launch post on the Tapbots blog draws a direct link between the number of "tokens" a third-party desktop app is allowed to use and OS X Tweetbot's price. In order to send and receive tweets to the Twitter service, each copy of a third-party app must have a unique cryptographic identifier, or token, and Twitter has clamped down on the number of tokens being giving out. A token limitation is effectively a user limitation; worse, it's easy for users to consume multiple tokens by using multiple Twitter accounts.
The token rules are a sticky issue for the desktop Twitter app community, since it directly constrains sales of third-party apps. If sales are limited, the amount of money a third-party dev can make is commensurately limited. This affects the support they can give and removes the incentive to develop future apps. At first glance, it looks like each third-party app gets 100,000 tokens and then that's it, but the allocation guidelines are bit more complicated.
"There's a lot of confusion over this," said Paul. "The actual rule is any app that didn't have 100k tokens in use as of August 16, only gets 100k tokens. Any app that had over 100k tokens in use, gets twice their value. We had over 100k tokens in use for our Alpha at the time of the announcement." The Tapbots blog also points out the restrictions apply to the OS X version only: "The [desktop] app's limit is separate from, but much smaller than, the limit for Tweetbot for iOS."
A built-in upper limit means developers cannot be open-ended in their pricing—the app must be priced to make the required amount of money with the available number of copies to be sold. We asked Tapbots if they knew when they might actually run out, based on the first day's sales, but Paul said that it's too early to tell. "Sales were very nice, if you look we're the number two top paid and grossing in pretty much all the different countries' App Stores, just behind Mountain Lion. At this time we have no idea when we'll run out, we'll know better in a week or two once we can get some more data on how they are being used."
The obvious solution: simply ask Twitter for more tokens. But that doesn't appear to be possible. The guidelines don't make it clear how a developer can request more; there doesn't appear to be a formal request process, nor does it seem to be a matter of coughing up a check. "As far as I know there isn't [a method]," Paul replied to the question. "We've asked and made multiple suggestions," he said. So far Twitter remains mum on the issue.
Paul was polite and politic when we asked him about what his experience has been working with Twitter through the OS X Tweetbot development process. "Their developer relations group is very helpful and we work very closely with them. I will also say they haven't changed their guidance from the original August 16 post and I don't believe they will."
Despite the limitations, Tweetbot for OS X remains a priority for the Tapbots crew. "We plan to continue to develop and support Tweetbot on all platforms for as long as possible. We've been adding new features to the iOS version and have recently submitted a new build to the App Store. We'll also be submitting a new version for Mac fixing some bugs and adding a number of requested features."
It's difficult to view Twitter's API restrictions as anything other than a push toward monetization of the platform, something with which Twitter has traditionally struggled. Third-party apps might potentially circumvent promoted tweets or other paid types of content, or otherwise not show users the same things the official Twitter app does. "I can't read their minds," said Paul, when asked about Twitter's goals and what their eventual endgame strategy might be. "From what they said it sounds like they feel a consistent user experience is of paramount importance. We and many others disagree, unfortunately it's their network and they can do whatever they want."


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Our team recommends that you try the iPad mini 3 Screen Replacement and not jump into wasting money by buying a new iPad. Specially when it's an issue that can be fixed very easy.


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The Obama administration is engaged in a broad push to make more home loans available to people with weaker credit, an effort that officials say will help power the economic recovery but that skeptics say could open the door to the risky lending that caused the housing crash in the first place.
President Obama's economic advisers and outside experts say the nation's much-celebrated housing rebound is leaving too many people behind, including young people looking to buy their first homes and individuals with credit records weakened by the recession.
In response, administration officials say they are working to get banks to lend to a wider range of borrowers by taking advantage of taxpayer-backed programs — including those offered by the Federal Housing Administration — that insure home loans against default.
Housing officials are urging the Justice Department to provide assurances to banks, which have become increasingly cautious, that they will not face legal or financial recriminations if they make loans to riskier borrowers who meet government standards but later default.
Officials are also encouraging lenders to use more subjective judgment in determining whether to offer a loan and are seeking to make it easier for people who owe more than their properties are worth to refinance at today's low interest rates, among other steps.
Obama pledged in his State of the Union address to do more to make sure more Americans can enjoy the benefits of the housing recovery, but critics say encouraging banks to lend as broadly as the administration hopes will sow the seeds of another housing disaster and endanger taxpayer dollars.
"If that were to come to pass, that would open the floodgates to highly excessive risk and would send us right back on the same path we were just trying to recover from," said Ed Pinto, a resident fellow at the American Enterprise Institute and former top executive at mortgage giant Fannie Mae.
Administration officials say they are looking only to allay unnecessary hesitation among banks and encourage safe lending to borrowers who have the financial wherewithal to pay.
"There's always a tension that you have to take seriously between providing clarity and rules of the road and not giving any opportunity to restart the kind of irresponsible lending that we saw in the mid-2000s," said a senior administration official who was not authorized to speak on the record.
The administration's efforts come in the midst of a housing market that has been surging for the past year but that has been delivering most of the benefits to established homeowners with high credit scores or to investors who have been behind a significant number of new purchases.
"If you were going to tell people in low-income and moderate-income communities and communities of color there was a housing recovery, they would look at you as if you had two heads," said John Taylor, president of the National Community Reinvestment Coalition, a nonprofit housing organization. "It is very difficult for people of low and moderate incomes to refinance or buy homes."
Before the crisis, about 40 percent of home buyers were first-time purchasers. That's down to 30 percent, according to the National Association of Realtors.
From 2007 through 2012, new-home purchases fell 30 percent for people with credit scores above 780 (out of 800), according to Federal Reserve Governor Elizabeth Duke. But they declined 90 percent for people with scores between 680 and 620 — historically a respectable range for a credit score.
"If the only people who can get a loan have near-perfect credit and are putting down 25 percent, you're leaving out of the market an entire population of creditworthy folks, which constrains demand and slows the recovery," said Jim Parrott, who until January was the senior adviser on housing for the White House's National Economic Council.
One reason, according to policymakers, is that as young people move out of their parents' homes and start their own households, they will be forced to rent rather than buy, meaning less construction and housing activity. Given housing's role in building up a family's wealth, that could have long-lasting consequences.
"I think the ability of newly formed households, which are more likely to have lower incomes or weaker credit scores, to access the mortgage market will make a big difference in the shape of the recovery," Duke said last month. "Economic improvement will cause household formation to increase, but if credit is hard to get, these will be rental rather than owner-occupied households."
Deciding which borrowers get loans might seem like something that should be left up to the private market. But since the financial crisis in 2008, the government has shaped most of the housing market, insuring between 80 percent and 90 percent of all new loans, according to the industry publication Inside Mortgage Finance. It has done so primarily through the Federal Housing Administration, which is part of the executive branch, and taxpayer-backed mortgage giants Fannie Mae and Freddie Mac, run by an independent regulator.
The FHA historically has been dedicated to making homeownership affordable for people of moderate means. Under FHA terms, a borrower can get a home loan with a credit score as low as 500 or a down payment as small as 3.5 percent. If borrowers with FHA loans default on their payments, taxpayers are on the line — a guarantee that should provide confidence to banks to lend.
But banks are largely rejecting the lower end of the scale, and the average credit score on FHA loans has stood at about 700. After years of intensifying investigations into wrongdoing in mortgage lending, banks are concerned that they will be held responsible if borrowers cannot pay. Under some circumstances, the FHA can retract its insurance or take other legal action to penalize banks when loans default.
"The financial risk of just one mistake has just become so high that lenders are playing it very, very safe, and many qualified borrowers are paying the price," said David Stevens, Obama's former FHA commissioner and now the chief executive of the Mortgage Bankers Association.
The FHA, in coordination with the White House, is working to develop new policies to make clear to banks that they will not lose their guarantees or face other legal action if loans that conform to the program's standards later default. Officials hope the FHA's actions will then spur Fannie and Freddie to do the same.
The effort requires sign-on by the Justice Department and the inspector general of Department of Housing and Urban Development, agencies that investigate wrongdoing in mortgage lending.
"We need to align as much as possible with IG and the DOJ moving forward," FHA Commissioner Carol Galante said. The HUD inspector general and Justice Department declined to comment.
The effort to provide more certainty to banks is just one of several policies the administration is undertaking. The FHA is also urging lenders to take what officials call "compensating factors" into account and use more subjective judgment when deciding whether to make a loan — such as looking at a borrower's overall savings.
"My view is that there are lots of creditworthy borrowers that are below 720 or 700 — all the way down the credit-score spectrum," Galante said. "It's important you look at the totality of that borrower's ability to pay."


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Rule #1 - Be Patient - Rule #2 - Don't ask when, if you don't contribute - Rule #3 - You have coding skills - LinuxMCE's small brother is available: http://www.agocontrol.com
Sorry, what do you mean? Is this for the "this page is" bit?
This is why templates come in handy, and particularly, template parameters. -Thom


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For the latest updates to Global Public Square, including show information and Fareed's Take, visit the new GPS site on CNN.com.
Have you ever seen hindus eat in langars?
Free food attracts them like bees. They squat toes up and eat food up from the floor with their feet onto the hands and into the mouth. They then gargle their mouth with water and spit it out in front of others eating adjacent to them. Hygiene is paramount ... of sorts. You get the gist. Ahem.
So true! Lol. I watched Anthony Boudain do a program on this. It was disgusting.
You nailed it @T. These hindus eat with both hands cupped and shove their fingers wayyy into their esophagus as if it was their last meal. Then s uck lick their fingers one by one. Put their pinky in the ear drum to clean wax, s uck the finger again, put the index finger into their nose, lickity lick again, scratch their a zz and then wipe it on their sleeves. So goes the ritual.
Daily for the past 45 years and with increasing frequency, I have observed Americans going into restrooms, pooping, and sinks in bathrooms remain dry. Because most Americans are too lazy to wash their hands after going poop. Is where the fist bump came from. Each knows the other one probably has poop on her fingers.
I am not surprised that you don't know how fist bumps originated, not with the fact you hang around ladies rooms.
That's pretty disturbing to know someone is observing others while they poop.
Quack Quack Quack
Fareed walks like a duck.
Fareed talks like a duck.
Fareed must be a duck.
Quack Quack Quack.
So. After this joint closes down, where are you all going to blog? Ashleigh Banfield, the cub reporter on the ground at 9/11 ground zero famous for yelling "I smell cordite! I smell Cordite!" (cordite. the smell of explosives) has a blog on Facebook. UFO chat has 3 scrolling chatrooms on one screen. Which is 3X the fun...and with many features CNN refuses to employ. Anyway. Where are you all going to go? Besides to the grave if you are a decent womanizer.
Gotta love those decent womanizers like Billy Clinton and that short fat guy wearing high heals what's his name.
"A creamy baby." Indeed!
Yes. Prisoners on the penal Isle of Australia used to breed with natives. And either donate the creamy baby to traveling priests or feed them to dingo dogs.
Had baby Barack Obama been born in Australia instead of Kenya, he probably would have been dog food or an altar boy instead of Commander in Chief. He too was a creamy baby.
Australia stopped being a penal colony in 1868. That term should be relegated into the dustbin of history, as well.
I see. Fascinating lecture on genetics, thank you. Seems this kind of philosophy explains who you are, and therefore the conflicts between you and Banasy and Chrissy.
Did he ever give an explanation as to exactly what a "creamy baby" is, or is he still too cowardly to explain why he uses that epithet?
No Banasy, he most certainly did not. His futile attempt to give a black eye to all whom are of mixed race was to no avail. No doubt his ancestral history has mixed races. Philip may be half Irish and half Swede for all we know.
Has anyone seen Joey JIF around lately?
Just fantastic this blog is being closed down although July 4th should have been the date. You see 1st Amendment does not work in an educated society. The people who post cant control their thoughts and CNN cant tolerate it.
And we blame those who attacked Charlie Hebdo.
Great point! Welcome to hypocrisy in western society.
I equate "terrorism" to the hippy movement of the sixties in that people were revolting against the established order that had become non functional in light of Vietnam.
Palestine oh Palestine. What have we done to thou.
Kashmir oh Kashmir thou is occupied in India. When will thou have plebiscite.
Yes. The Se x and Drug doing revolution of the 60's saw horrible things happening. Yes. Terrible things. Parents even began drugging their own children with aspirin which had been illegal to do since 1899. Illegitimate children began popping-up everywhere and prompted the drive to legalize abortion which had always been illegal.
Imagine where America would be today had She staid her course rather than going for dope.
No you meaningless imbecile. This blog has not closed down. It has merely moved. You are much too worthless and insignificant to close anything down other than your 9 brain cells you orangatan.
I chuckle at El Captain who feels so important as to wrongfully believe himself so mighty as to cause the closure of an international news organization. My God he is brainless and ignorant. Utter nonsense.
Right on @Philip but not everyone in India is a terrorist and raypist. Just ask @banasy aka chrissy and you who would known better being of that origin.
You got The Colorado Guy here, Burnside. Not The India Guy. Sorry.
Many newbies here confuse @banasy and Chrissy as being the same person. Let me assure you they are not. I've been chatting with them here on CNN for, oh, a little over 3 years. Chrissy is and elderly woman who lives in upper state Michigan and drives an old Ford pickup truck. Banasy is a gal named Donna Banas whom I actually talked with on the phone. She and her hubby are suburbanite Chicago city dwellers and she is a part-time librarian's helper. They are both getting old and grouchy though. And enjoy tag-teaming up on me almost daily now.
And in this corner weighing-in at 184 lbs. is the challeger, Phildo the Magnificent!
And now, being helped into the Ring are our champions! Weighing-in at BMI 30 ....Chrussty the Clown and Donna "Rip Your Head Off" Banasy.
Ding ding.
Why are you so ashamed of your heritage in India? You talk like one, write like one, behave like one. Therefore you (under many IDs) surely must be a terrorist raypist from India.
Philip, if you want to know why Chrissy and I dislike conversing with you, it's because you post lies like this for no discernable reason, other than to be an unpleasant prick.
I am a library helper in the same way you are a squeeqee wielder.
I live in in a town, not a city.
Chrissy doesnt have that truck; that was four years ago when you talked about that. Get a clue. You don't read our posts, so you wouldn't remember that she talked about that.
Neither of is are "old and grouchy"; it does get tiring having to defend oneself against a pathological liar, though. I suggest repentance for your obvious problem.
The person you're talking to isn't a newbie. If you think that, you're stupid.
Hello, I.m Chris Kyle here. Did any of you idiots watch the movie American Sniper? I suppose not!
No. I hardly ever go see a movie and have never bothered with owning a TV. I do think snipers are cowards though. If that counts.
Thank you, Phildo. I fully agree. Snipers are truly cowards just as those creeps who operate those cursed drones are!
You're dead, Chris. How is it you're talking with us now?
Some of your more memorable quotes:
"I hate the damn savages"—talking about the Iraqis—"and I've been fighting and I always will."
"I love killing bad guys."
"Even with the pain, I loved what I was doing."
"Maybe war isn't really fun, but I certainly was enjoying it."
The real and true and genuine Cradle of Civilization is a woman's womb. Which has been being robbed.
Stalin and Mussolinis were world leaders too. Modi is the Joseph Mengele of modern times.
He is a pariah. A murderer. A genocidalist. Like Gandhi he enjoys underage boys. In fact his boyfriend is from Myanmar.
He is a woman basher. He married an underage girl and abandoned her on nuptial night.
That description fits a well-known (but called "decent womanizer" by old democrat women anyway) womanizer named Billy J. Clinton. His wife started getting really fat after she found-out everyone else had found-out about Billy messing up the White House with an overly obese younger woman.
Bill Clinton = Joseph Mengele.
The woman bashing part I meant.
I would say that your problem with BC isn't that he bashes them, but quite the opposite.
No. Billy bashed the heck out of that fat chick on the Oval Office desk. I guess you were sleeping that day and so never read the news.
No. BC had oral sex with ML. By her own admission, no intercourse occurred.
But, of course you wouldn't take the word of somebody that was actually there. That's be dumb, right?
Not that it excuses what they did. It does not.
*that'd be dumb.
The dead King of Saudi Arabia has 4 of his own daughters held captive for the past 11 years. And would not allow investigators or news reporters anywhere near Usama Bin Laden's many wives.
The overly obese Tyrant is now worm food. NOT in heaven with 72 headless virgins.
Like you said above this man will get to be with his 72 virgins and I am truly glad, I am, I am!
Yes. The Se x and Drug doing revolution of the 60's saw horrible things happening. Yes. Terrible things. Parents even began drugging their own children with aspirin which had been illegal to do since 1899. Illegitimate children began popping-up everywhere and prompted the drive to legalize abortion which had always been illegal.
Imagine where America would be today had She staid her course rather than going for dope. And then going broke.
One big reason (besides population control) that abortion had to be made legal was because if it wasn't, millions of women and their co-conspirators illegally aborting babies would have to be sent to prison. And we didn't have that many prisons back then.
There have been about 70 million legalized abortions performed in America so far, and God only knows how many went to Mexico for illegal abortions or used the trusty old bloody coathanger before that.
As I said, interesting revisionist history. Your take is....interesting, to say the least.
Of course you understand that abortion has been around since man has been around to impregnate women. This isn't new.
Daddy. My high school football linebacker Renfro Jackson made me pregnant again. "Ok, doll. Jump in the truck. We are headed for Mexico. Ain't gonna be no creamy babies in my family."
...no. Get in the back, doll. You smell like rotten vegetables soaked in sweat.
OH! You use creamy baby as a derogatory term for biracial children!
Thanks for confirming you are, indeed, a racist.
No lip service about how the children you call your adopted children are black, please. The use of your term "creamy baby" rather negates that.
And still SOS!
Many confuse sins with crimes. "Pay Caesar's things to Caesar (government) but God's things to God" says The Word. Meaning that you pay your taxes and pay for your crimes. Not deny them or try to weasel your way out of paying the courts what you owe. And where government orders conflict with those of God, you obey God rather than men.
For example, if a person robbed a store, that person would have to turn himself over to the police in order to start the process of repentance. Simply bowing ones head and saying sorry to God for robbing the store simply would not bring God to forgive you. You HAVE to pay Caesar for your crimes. There is no way around it. MLK never did turn himself over. He went to great lengths to conceal his crimes of adultery. He should have openly confessed but he didn't. It wasn't his cheating ways. It was his ways of hiding his sins and his crimes that were his biggest fault. Just as Billy J. did. Tried to weasel his way out.
For example, during the days of Moses 3 men robbed the Tabernacle in front of thousands of eye witnesses. They were eventually caught, and returned what they had stolen and begged forgiveness and were forgiven. But God sent a powerful angel who executed those thousands of eye witnesses who had failed to report the crime to the authorities.
Such is the case with family who know of familial abuses but keep them secret from authorities. Mothers and fathers who know one of their brothers raiped their own son or daughter but never bothered reporting it to the police are in hot soup with God. As are victims who keep it a secret.
Tell this to somebody that is ignorant of all this.
I am not.
Lecture dismissed.
Also, please research the reasons why only 2% of reported rapes ever go to trial, and what the victim has to suffer through when the defense gets his turn to slut shame. I doubt you will, because it is much easier for you to pass judgement on people than it is to empathize with the victim who gets raped repeatedly on the witness stand by flipping morons who think "boys will be boys".
I read an account recently of a virgin who was raped, and what she went through. A virgin!
Your victim-shaming is reprehensible.
Nig gardly. Does that make me "racist" too? Omg you are stupid for a librarian's helper. The one's I know are all very intelligent teenagers.
No, niggardly means stingy. Only a squeeqee wielding idiot would think that a word meaning stingy is racist and use that as an example as racism.
Are you still too cowardly to post the name of the private library where you work?
Has that bs ever worked? I'm not cowardly; I'm smart enough to know that posting that may get me fired, and I like my job, Philip.
You probably need to be a little more educated as to how social media works.
That's funny. Years ago you told me and I even Googled it. No biggie. If I worked at Hewlett-Packard would probably get fired for posting the name of the company I worked for. NO! I would NOT!!! Omg you are so full of crap.
Years ago, social media wasn't what it is today.
Prospective employers look at social media, you know.
People get fired for mentioning their employers on Facebook and other social media in a derogatory manner; it doesn't even have to BE derogatory...some, like my employer, do not want their names mentioned at all by their employees; this is one condition we agree to in order for us to be able to post online while at work. (Which, as I explained before, they're fine with, as long as we don't mention our library.)
Plus, you have stated that your some purpose to wanting to know the name was so you could call and complain about me; piss off. You're an idiot if you think I'm going to fall for that; I'm not the stupid gullible female that you seen to prefer.
You pretend to be so socially wise about the net, how you didn't know this escapes me; I can only surmise it is because you own your squeeqee business and have no reason toknow this.
So if I worked for HP and said so online I might get fired? What a load of crap, Donna. You are too-far gone for me to try and deal with today. See ya round.
If HP has rules against you mentioning then, yes.
You obviously know nothing about the employment climate today; good for you.
Yes. "Because I don't want a creamy baby" is a reason some women use for wanting an abortion. Stop pretending you are ignorant of this.
Philip, that has been said by no woman ever, you moron.
They do not want a baby. Period.
What was your excuse for avorting two of your own? Were they biracial?
1% of all abortions are decided by dad's or family of pregnant women. Not by the pregnant woman or girl. And even Alabama lawmakers refer to families not wanting a biracial child as a reason for abortions. Get a clue. The idea of racists in America is nothing new, and I certainly didn't invent it. MILLIONS of racists do not want biracial children. Get a freaking clue.
You lying old hag. I have NEVER aborted a child. EVER! I once made a woman pregnant who got an abortion because having a baby would interfere with her job. So I dumped her and moved on. And that's it! Accusing me of aborting two babies is the lowest you have sank in my eyes.
You told us yourself that you took 2 different women pregnant with your children to obtain abortions.
You may not have a memory of what you say, but I do, and others do, and you've been caught again and again for your fabrications.
God doesn't like liars.
You told us yourself on these very blogs; I don't lie. I have an extremely good memory of the garbage you spout, and you said you drove 2 women you impregnated to get abortions.
Followed by (at least they said the babies were mine; they slept around, so I can't be sure.)
You said it on these GPS blogs not that very long ago.
How many abortions have you sponsored, Dogna. Now pump-off squaw. Ooopsy. Now you will call me an Indian hater even though my own mother's real dad was a native American who's family originated in China.
I haven't sponsored any.
You did by driving those women to kill your own unborn children while hypocritically condemning others who made the very sane decision as you.
Now pump off yourself, you mysogynistic garbage.
*same decision.
Obviously he is quite determined to go out with a bang eh @ banasy? And @ philip....i have told you at LEAST half a dozen times....i live in a small city outside of Detroit! If you look at a map of Michigan that is about as far south as you can get and still be in Michigan! And ive lived here over 13 years. BEFORE moving here i lived in northern Michigan. Proving once again you do NOT pay attention OR you have a hard time understanding what you read!
Sometimes I take the city bus. And almost each time at the downtown terminal are swf with baby strollers with biracial babies...no dads. Not even their own dad's wanted a biracial baby.
It's lovely that their mothers chose to keep then, isn't it? Kind of renders your abortion argument moot.
There is nothing wrong with biracial children. And I'm sure you would be the first to admit that biracial doesn't mean just black/white.
What do you call Caucasian/Asian babies? I'd be interested in hearing that epithet.
You all have a wonderful saturday afternoon! Ttyl 😉
I was raised by Old Navy racist bigots...the worst kind of dysfunctional family. So I left home when I was 15. My g/f at the time was a cheerleader named Ruby Haley. Guess what color her skin was, and why both my dad and grampa beat the crap out of me for having Ruby for a g/f.
I currently help support a poor Ugandan girl named Nalwanga Efrance. Her FB name is Mukazi Pearl Muganda on FB if you care to ask here how "racist" I am. I also help a youngster named Agboola John in Nigeria. His FB name is Agboola Philip Johnnystickz if you care to ask him about me being a "racist".
Yes; that is nice.
Obviously you feel that gives you full rights to continue to use racist epithets. Grand.
Trying too hard, Philip, old sport. I invite you to walk up to a biracial kid and call them a "creamy baby" to their face. It will likely net you the same result as you calling them a nigger.
Labels are labels, and you're very good at assigning them, and then justifying it as some sort of "lesson."
I can't believe you just used the N word. I hate you more than ever now. Good freaking bye you old haggot.
I can't believe you take umbrage at an analogy I used; you are a hypocritical piece of shit.
I don't call them that because I have more respect for all humans; a trait we don't share.
What I said was calling a biracial kid those two labels to their faces would result in you getting your ugly face punched in.
I called nobody that name.
You're dense. Fuck off.
I remember that conversation @ banasy! And it was here on GPS and was in the past few months. In case you want to search the archives.
What ended the baby boom of the 50-60's? AIDS and legalized abortions. Duh.
After just a few years of marriage filled with constant arguments, a young man and his wife decided the only way to save their marriage was to try counseling. They had been at each other's throats for some time and felt that this was their last straw.
When they arrived at the counselor's office, the counselor jumped right in and opened the floor for discussion. "What seems to be the problem?"
Immediately, the husband held his long face down without anything to say. In contrast, the wife began talking 90 miles an hour, describing all the wrongs within their marriage.
After 15 minutes of listening to the wife, the counselor went over to her, picked her up by her shoulders, kissed her passionately and sat her back down.
Afterwards, the wife sat speechless.
The marriage counselor looked over at the husband, who stared in disbelief. The counselor said to the husband, "Your wife NEEDS that at least twice a week!"
The husband scratched his head and replied, "I can have her here on Tuesdays and Thursdays."
Two golfers are waiting their turn on the tee when a na ked woman runs across the fairway and into the woods.
Two men in white coats and another guy carrying two buckets of sand are chasing her, and a little old man is bringing up the rear.
One of the golfers grabs the old man and says, "What the hell is going on?"
The old guy says, "She's a nym pho maniac from an asylum, she keeps trying to escape, and us attendants are trying to catch her."
The golfer says, "What about the guy with the buckets of sand?"
The old guy says, "That's his handicap. He caught her last time."
This thoroughly modern young couple, more than slightly hung over from last night's party, were having a mid-afternoon breakfast. What a party that had been! A real swinging affair, no holds barred.
"Darling," said the husband, "this is … er … slightly embarrassing, but I think I should ask. Was it YOU I made love to in the library last night?"
His wife looked thoughtful for a minute and then said, "About what time?"
Dear Son:
Just a few lines to let you know I'm still alive. I will write this letter slowly because I know you can't read fast.
First the big news…your Dad heard that most accidents happen close to home so we moved. You won't know the house when you come home as I can't send you the address because the last redneck family that lived here took the house numbers with them so they wouldn't have to change their address.
About your father…he has a lovely new job where he is over 500 men. He is cutting grass in the cemetery.
There is a washing machine in the house where we live now, but it ain't working too good. Last week I put in 14 shirts and pulled the chain and haven't seen them shirts since.
It only rained twice this week: Three days the first time and four the second time.
The coat that you wanted me to send you. Your Aunt Sue said it would be a little to heavy to send in the mail with them big heavy buttons, so we cut them off and put them in the pockets.
Your sister had a baby this morning. I haven't found out whether its a boy or a girl so I can't tell you if your an Aunt or an Uncle.
Your Aunt Olga gave up the birth control pill when your Uncle John bought a condominium.
Uncle Philip drowned last week in a vat of whiskey at the Norska Brewery. Some of the fellow workers dived in to save him but he fought them off bravely. We cremated his body and it took three days to put out the fire.
On the other hand, your father hasn't drank since Christmas…I put a pint of Castor Oil in his beer and it kept him going till New Years.
Three of your friends went off the bridge in a pick up. One was driving, they other two were in the back. The driver got out. He rolled down the window and swam to safety. The other two drowned, they couldn't get the tailgate down.
Went to Doctor yesterday and your father went with me. Doc put a small tube in my mouth and said not to open it for ten minutes. Your father wanted to buy the tube.
We got a bill from the funeral home, said if we didn't make the last payment on Grandma's funeral bill, up she comes.
PS I was going to send you $10.00 but had already sealed the envelope.


text:
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