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William (Bill) Isaac is chairman of LECG Global FINANCIAL Services and served as chairman of the Federal Deposit Insurance Corporation (FDIC) throughout one of its most challenging periods during the savings bank and savings & loan crises of the 1980s.
Isaac's recently published book "Senseless Panic: How Washington Failed America" details the numerous blunders of government officials during the recent credit crisis that ultimately resulted in the $700 billion Troubled Asset Relief Program (TARP), which Isaac says was completely unnecessary. The book also details steps taken by Isaac during his FDIC tenure that helped stabilize the banking industry during that time of crisis and which should have (but didn't) serve as a template for dealing with the current crisis.
Shortly after the Lehman bankruptcy, Isaac wrote several op-ed pieces laying out a solution to the crisis, including a four-point plan published in the Washington Post.
Isaac's recommendations included: reinstating a ban on short sellers, having the FDIC declare an emergency and proclaim all depositors and creditors of banks be protected in case of failure, immediately suspending mark-to-market accounting standards and having the FDIC restore capital in banks.
Following publication of his plan, several members of Congress from both parties urged Isaac to travel to the Capitol to lobby against TARP. He did, and it was defeated in its first attempt before eventually being passed.
Futures: What was your message to the members of Congress you spoke to prior to the TARP vote?
Bill Isaac: The basic message was that the TARP plan would not work. Purchasing $700 billion worth of toxic assets from a $14 trillion financial system just wouldn't have mattered and it would be unduly expensive to taxpayers because the banks would sell too high and the investors take too little so the taxpayers would get hit coming and going and we would probably lose several billions of dollars if they [had] done the toxic asset purchase plan, which they never did do. After Congress passed this bill (Treasury Secretary) Paulson had second thoughts about it and decided that the toxic asset purchase plan was not going to work so they abandoned it and started doing capital infusions instead including bailing out two auto companies. The basic message I was delivering to them was this plan is not going to work; it is going to be unduly costly for shareholders. Ultimately everyone agreed because they didn't do it.
FM: Was the capital infusion better than the original plan?
BI: The capital infusion was better but they did not need the legislation to do the capital infusion. The basic message was you don't need to do this and I gave them a four-step program for what they could do. One was to put more capital in the banks. They ordered the nine largest banks to take capital. Probably only one or two needed it. It set off a whole political firestorm. They also scared the public. It was after the TARP was enacted that the bottom fell out of the stock market and the economy.
FM: Why were they so sure there was no other option?
BI: Paulson, the President, Congressional leaders and the Fed panicked [when they] said that. They kept on saying that hour after hour. Somebody was on the airwaves saying it [would] be financial Armageddon if [it wasn't passed]. What kind of crisis management is that? They panicked. They let Lehman go down and then they wiped out the $20 billion of bondholders at WaMu on the heels of that and the markets froze up. They said 'Oh my God what did we do? How do we fix it'? And somebody cooked up this horrible scheme to buy toxic assets. When I say somebody, it sounds awfully like a Wall Street plan. You got to get rid of these troubled assets on our books and Paulson was a creature of Wall Street.
FM: This crisis first broke in the summer of 2007. What should the various regulators have been doing in the summer of 2007 to prepare for this?
BI: They should have been doing a lot of things. They should have been figuring out if Bear Stearns itself was in trouble and how to deal with that. They should have been in there examining Bears Stearns [and asking] how bad is this, is it insolvent or is it just a liquidity problem. If it is just a liquidity problem, how do we solve it? Take Continental IL. We did a joint agreement among the seven largest banks in the FDIC and the Fed. The Fed would loan money to Continental, the FDIC would do a capital infusion in which the seven largest banks would participate. We lined up a public private partnership to shore up Continental and give the markets confidence and that bought us time to come up with some type of a permanent solution. They could have been doing that back in 2007, planning for what happens if Lehman goes, if Bear Stearns goes or Merrill Lynch. I can see how they might not have looked at AIG in 2007, maybe they even had warning signs of that one, but they sure had warning signs on the rest of them. It didn't take a genius.
FM: There are folks saying what they did saved our financial system.
BI: That is a lie perpetrated by those who dreamed up the idea and sold it to a doubting public and Congress. TARP wasn't even used for its intended purpose. Everything that was done to resolve this crisis could have been done without TARP, including the capital infusions. They did the four-point plan and the Fed provided a lot of liquidity and those are the things that resolved the crisis together with stopping the failures and making it clear that the largest banks were going to be protected. That became clear when the FDIC negotiated a deal to allow Citigroup to take over Wachovia without any creditors of Wachovia being wiped out. That transaction didn't occur because Wells Fargo stepped in and bought Wachovia without any assistance but the FDIC reached a hand shake deal to allow Citigroup to acquire Wachovia with substantial FDIC assistance and no haircut to creditors. That was a loud and clear message that this was done, the government is stepping in to protect the system. That is what they waited way too long to do.
They were roundly criticized for bailing out Bear Stearns. Even though they failed, it was viewed as a bailout because the shareholders got something and the creditors of Bear Stearns were protected. There was a lot of criticism. Not from me. I had concerns with how they did it but the fact that they did do it, I thought was essential to keeping some kind of calm and order. There was a lot sensitivity that they could not keep on doing it. There were hawks and doves in the government. The hawks saying 'impose some discipline and let them fail.' The doves saying 'no we have to stabilize the system.' And neither one could win the day.
I had three issues with [the Bear Stearns deal]. It wasn't clear to me why they had to fail it at all. Was Bear Stearns just a liquidity problem or was it truly insolvent? If it was just a liquidity problem why didn't they just keep the Fed credit line in place? It was spectacular when they failed it and dramatic and unsettling, not as unsettling [as it would have been] if they let it [completely] fail. It probably would have caused less of a story if they kept the liquidity line in place. Then they did a privately negotiated deal with JP Morgan (as far as I could see) instead of bringing in other bidders. The other question I have is why didn't they taken more time, bring in more bidders and get a better deal. Then came Indy Mac and they let it fail. The uninsured depositors and all other creditors took a hit so the hawks won on that one. The next transaction was Fannie Mae and Freddie Mac. The problem with that one was that they told us for three months that it was in fine [shape], no problem it didn't need government help and then all of a sudden on a weekend they put it in conservatorship but the hawks won again because they wiped out the common and preferred stockholders, which was terribly unsettling to the markets. The preferred stock was held by a lot of foreign governments but it was also held by 2,700 smaller banks and they wiped out those investments that had been rated by the bank agencies at a 20% risk weighting, so they were considered almost riskless investments and they wiped them out and wiped out a lot of smaller banks with it.
Then comes Lehman, and they let it fail. At the time, Paulson's explanation for that was 'I would have been run out of town on a rail if I had bailed out something else and I was not going to be know as Mr. Bailout so we let it fail.' Today, months later, they say [one] they didn't have a buyer for it which isn't true –there is a buyer for everything if you make the deal sweet enough; [two], they didn't have legal authority, which isn't true and three, Lehman didn't have enough collateral for the Fed which also isn't true because the next transaction was AIG and with AIG they were beginning to get really nervous so they bailed it out. They bailed out all of the banks, including Goldman Sachs, which was a big creditor of AIG. They bailed everybody out of AIG and their collateral was the stock. So the Fed ponied up a lot of money there against collateral of questionable value. The next was Washington Mutual. So the doves won on AIG but the hawks won on WaMu because they wiped out the bondholders ($20 billion) and they wiped out the Texas Pacific group that a couple of months earlier had put $7 billion into it.
In the book I call it a schizophrenic failure resolution process. Back and forth, back and forth, and in the end the public didn't know what to believe anymore. Who is going to fail next? How are they going to handle it? At that point, the government panicked and proposed the TARP legislation and the rest is history. But the TARP legislation didn't do anything except panic people further because of the highly inflammatory language they used.
FM: Analysts debate moral hazard; it seems that the whole mess is the result of moral hazard. Does this go back to the 1980s and your failed fight to let First Pennsylvania fail?
BI: Yes. It goes back to the Bank of Pennsylvania and a few more. First Pennsylvania is the first pure version of it, nobody paid any price, they just stepped in and put some money into it.
FM: Do banks work too big to fail into their risk measures?
BI: I don't think the bank bets on that. Even if they don't fail, a lot of damage is done. Citicorp is trading at $4 a share and it was at $50 or so. The management have a lot of stock options, so management got whacked financially. They try and blame it on excessive greed. Where the moral hazard comes in is the markets let them do it. The shareholders take it on the chin when these things blow up but the creditors believe that these big institutions are too big to fail and therefore they will not take a hit and so these institutions get funded more cheaply than if the creditors felt that they were at risk.
FM: You said that the cost of the Savings & Loan crisis was 10 times what it should have been. Is there a bigger problem looming due to the poor execution of TARP?
BI: Well Freddie and Fannie are the two biggest ongoing things and legislation before Congress does not address that at all. Estimate of losses already are $200 billion and counting. Not to mention the finance companies and the car companies; AIG is not over?
FM: What should they have done with Fannie and Freddie?
BI: They should have done Sen. Corker's amendment where he tried to impose some bare minimum underwriting standards on the loans, [but] they rejected that in the Senate, which is dumbfounding. That would have been a stop-gap measure but it would have been better than nothing. We have two choices, we break them into smaller pieces and turn them into truly private companies; and the other possibility is to leave them in the government as public utilities with very strong restrictions on them. I don't know what direction we are going to go. We haven't had that debate yet.
FM: How should regulators balance the need for transparency with the concerns over setting off a panic?
BI: My view is that the regulator should be forcing banks to disclose every relevant fact about the bank that doesn't involve a breach of customer confidentiality. I'm the guy who initiated disclosure of enforcement actions. That was not done before I was Chairman of the FDIC. Banks should disclose all of their problem loans. Every fact about a bank that could e relevant to an investor should be disclosed. The thing that the market hates is uncertainty. The markets must feel confident that they have all of the facts. What I don't think regulators ought to do is have rules in place that are pro cyclical such as loan loss reserving formulas that don't allow the creation of significant loan reserves in good times or pro cyclical capital rules that don't require the build up of capital in good times. FDIC insurance premiums that are not paid in good times but are paid in excess in bad times and accounting rules that are pro cyclical. Mark-to-market accounting in particular. We have highly pro cyclical regulatory and accounting systems that make matters worse. It makes the booms more frothy and when we get by in hard times it makes it hard to pull them out.
FM: You stress the need for a counter cyclical regulatory approach. Explain why this is so important.
BI: We have a whole bunch of pro cyclical capital, regulatory and accounting rules. For example, capital standard models look backward in order to determine how much capital you need. If you come through five or 10 years of economic prosperity, which we had leading up to 2007 since the Reagan Administration with few interruptions, you have models that look backwards and [people] say 'this is an easy business, nobody loses any money, nobody has write offs' so you don't need much capital. So capital standards are allowed to slide and that makes the economic boom even more robust because there are no capital restraints on these banks, then when the crisis hits the models start looking backwards and says 'Geez this bank just lost $20 billion last year. You've got to have three times as much capital as you have right now.' And so they try and force banks to increase their capital during downturns, which only exacerbates the downturns and that is what mark-to-market accounting does. FDIC premiums work the same way, loan loss reserves work the same way so we really need to have counter cyclical accounting rules and regulatory rules in order to stop these wild swings.
FM: Should some form of Glass Steagall be brought back?
BI: I support the Volcker rule. In the end this bill will not accomplish much. I would be tougher. I think that Glass Steagall needs to come back in some form; I think it was a mistake. I am admitting my own mistake because I favored it. The Volcker rule doesn't allow proprietary trading (for banks) and puts a cap on how big you can be. You can't have more than 10% of financial assets in the country, which I think is a healthy and important rule. I would take the Volcker rule and add more separation to it. I don't think we know how to regulate these big firms; the concentration of economic powers is very troubling.
FM: You harshly criticized mark-to-market accounting standards. Some people claim that the only reason things look better today is that these rules were suspended.
BI: Let's assume that's true, though it isn't; Halleluiah. We still don't have all of the firms failing because of these dopey accounting rules. The FASB really didn't do much and now they are proposing to expand it. They are putting out a proposal to expand mark- to-market accounting to the entire balance sheet of the banks. That is going to end banking as we know it and make it impossible for smaller businesses and real estate developers and the like to get any sort of long-term credit. I can't imagine a bank would make loans with maturities beyond a year or so, if they have this mark to market on loans, its insanity that FASB is not learning anything from this crisis.
If Congress doesn't fix that and put some adult supervision on FASB, they all ought to be run out of office.
There was nothing wrong with these assets except that nobody wanted them because we were in a panic. But the result of writing them off was we lost $500 billion of capital in our financial system by these mark-to-market write offs because of the panic and $500 billion translates to $4 trillion in lending capacity, so why would you want an accounting system that does that when you have a perfectly good alternative. When an asset is in trouble go in and evaluate it and write it down to whatever the projected cash flows indicate. If it shows that the borrower is in trouble and is worth 30¢ on the dollar then write it down to 30¢ on the dollar, but do it based on an analysis not on what some panicky trader is doing in the marketplace.
Meanwhile, the SEC took the short-selling regulations off in 2007 and so the short sellers were working the credit default swaps to drive down the bond prices. Then they attacked the stocks by doing naked short selling. They would go back and attack the bonds again and eventually the stock would get so low that the ratings agencies would be concerned that it would no longer be a going concern and couldn't raise capital and they would lower their ratings, which caused the funding sources to dry up because the bank couldn't sell CDs and that's what fed this crisis, these mark-to-market accounting rules, along with removing restrictions on short sellers. You couldn't stabilize the system. That is why one of my recommendations was to suspend mark-to-market accounting and another was to put regulation back in place on short sellers.
FM: Often the debate is oversimplified to a battle between tough regulations and free market principles. Do we have to change the debate to being about smart regulation?
BI: It became the mind set of the regulators, particularly the SEC, but also the bank regulators that we need to enlist the markets in the regulation of banks and we need to rely more ostensibly on mathematical modeling and the market and models substituted for regulation and wisdom and experience. Bank regulators put way too much faith in the market's ability to figure out and regulate these institution and they put way too much faith in the ability of mathematicians to develop predictive models for the behavior of these institutions and their portfolios. What we lost was really experienced people in the regulatory arena and in bank management who would use some judgment about what kind of risk an institution should take, what types of concentrations they should have and how much capital they ought to be applying. Models are helpful but they are an analytical tool and should be used as such, the model shouldn't be making decisions because nobody understands the models except the mathematicians that created them. The bank management doesn't understand the models, the bank board sure as hell doesn't understand the models; you can't run an institution based on models that you don't understand. One bad assumption, one bad piece of data can throw those models way off. I bet you there wasn't a model that said the housing prices could go down, certainly didn't say they could go down more than 10%. The Treasury and the Fed were very strong advocates of the Basel (Bank for International Settlements) II capital models and the FDIC resisted it and I as a private citizen testified before the Senate Banking Committee on three occasions against the Basel II capital models saying they were pro cyclical backward looking models and there were no absolute standards to them. But the Treasury and the Fed argued that U.S. banks were overcapitalized in relationship to their foreign peers and therefore we needed to go to the Basel II capital standards, so that our big banks could reduce their level of capital to that of their foreign peers, which had about half the capital on a relative basis. If the U.S. averaged 6% capital, the foreign banks were at 3%. I testified before the Senate Banking Committee before the crisis and I said anybody who has been through the 1980s could not possibly conclude that our major U.S. banks were over capitalized. If we wanted to equalize the capital between the U.S. banks and foreign banks, we should force the foreign banks to come up and not reduce the capital in our domestic banks. If you want to do business here, you've got to have U.S. style capital ratios. What does Congress do in this legislation? They create a systemic risk council to monitor systemic risk and they turn that systemic risk council over to the Fed and the Treasury, the very agencies that promoted the Basel II capital requirements that any systemic risk regulator worth its salt should have called into question. They put the foxes in charge of the hen coop in this legislation. It is awful what they are doing. They are not working on Basel III because it is agreed throughout the world that Basel II was a flop but God knows what Basel III is going to look like and what bothers me is there is no independent systemic risk regulator to call it into question.
FM: So you are saying the Fed and Treasury had it wrong all along and they are now being put in charge.
BI: They had it wrong on the housing bubble, they had it wrong on Basel II, they had it wrong on the Savings & Loan crisis, the Treasury argued to let the S&Ls grow their way out of the problem. So how can anyone with a straight face create a systemic risk council that is not independent of the agencies? How can you do that? How can you look at yourself in the mirror in the morning if you vote for that?
FM: One of your biggest regrets is losing the battle over brokered deposits by money brokers (who were gaming the $100,000 limit on insured deposits). Does that still present a risk?
BI: It cost taxpayers tens of billions of dollars in the S&L crisis. It is still a problem. What happens is that Congress passed a law saying that the FDIC had the authority to limit the use of brokered deposits by problem banks — big deal. The horse is gone and let's close the barn door after the fact. It actually creates a bigger problem. If a bank seems healthy and loads up on brokered deposits and grows due to a lot of bad loans and then the FDIC comes in when it detects a problem and says you can't use brokered deposits anymore; now the bank has a first-rate liquidity crisis, which causes it to fail when it might have been saved. Why do we let them have all those brokered deposits in the first place?
FM: Some people are concerned with what seems to be Goldman Sachs' permanent seat at the table. Are the large Wall Street firms even more entrenched than ever before?
BI: You saw in the book the phone log (Isaac detailed how at the time of the crisis in September 2008 New York Fed president and future Treasury Secretary Geithner had significantly more correspondence with Wall Street firms, particularly Goldman Sachs, and Treasury Secretary Paulson than his boss at the Fed). It speaks for itself, it speaks volumes. There is a very tight relationship between the major financial institutions and the government whether it is the legislative branch or the administration. There is a very tight relationship and there are major amounts of contributions. Right now, the administration and the congressional leaders talk a good game, they say 'we are [going] to get those big bad Wall Street firms in their proper place' but look at what they do not what they say, and this bill doesn't do much.
FM: How should securitization be changed?
BI: The idea that people had was to require that there be some significant skin in the game [but] I don't hear that much more and my sense is that that fell by the wayside and not much is changing. The rating agencies are still doing their thing. I don't know how to change it unless you change the rating agency model entirely so that there are all these conflicts in how they are compensated. The other possibility is to require the firms that originate these securitizations to retain a significant interest in them, so there is a reason for them to care about the quality of what they are selling to everybody.
Bank examiners already make determinations about much more difficult to judge assets (i.e., loans), so they ought to be in a position to make judgments about marketable securities. They don't get paid by the institutions; the institutions assess fees that are mandatory. You don't get a choice; you don't get to shop for your agency. If the bank examiner is doing it, there is no shopping for the rating. It looks like what this amendment does is make rating agencies irrelevant.
Somebody has to determine whether these are quality investments and it looks like it is going to be the bank examiner not the ratings agencies which is probably an improvement.
FM: It seems like the SEC keeps getting more authority after their failures, do you see this continuing?
BI: I don't understand how the SEC, which is one of the primary culprits in this crisis, gets left off the hook. The SEC clearly needs to be reformed as an agency. It needs a new mission statement; it needs a real shakeup. It is a lawyer-dominated agency, so they need a different makeup of personnel and they need a new mission. They think as long as you disclose it, it is ok, they need to be more of a regulator. It used to be a proud agency that had quite the track record but they have lost their way.
FM: You have noted that many of these decisions have become politicized. How do we get away from that?
BI: I have never seen the bank regulatory climate or the crisis management process nearly as politicized as it is right now. The Treasury is a political agency, it is not an independent agency and it is the big winner in this. It has almost all the power. For decades, the Fed and Treasury have been locked in battle with the Fed fighting for its independence, so the Treasury doesn't dominate it. It looks to me like that battle has largely been lost by the Fed and the Treasury has become the dominant agency and I do not think that is healthy for our economic system or our financial system and it makes us unique in the world.
I can't think of another country where the Treasury is so dominant if these things become law. Even without these becoming law, the Treasury in this last crisis clearly was dominant and they made a mess of it.
FM: Congress is busy reconciling the two bills. What should be taken out of it and what needs to be put in the legislation?
BI: Probably the most serious problem is the Collins amendment. I am much more concerned with what is not in the bill, what the bill doesn't do. The bill does not provide any oversight over FASB, which is desperately needed, the bill does not address the serious problems at the SEC, and the Bill does not create a systemic risk council that is independent. It turns it over to the Treasury and the Fed and other agencies that it is supposed to be overseeing. The bill does not enhance, in any way, a broken and badly politicized regulatory system and the bill does not do anything to address the Fannie and Freddie problems. Those are major deficiencies; I don't know how you can call it a reform bill if it does address those things.
The Collins amendment says that Trusts preferred stock is no longer counter as tier one capital and while I have no problem with the direction that is heading, I think that is good, you can't do it now, it is effective immediately and would destroy $130 billion in tier one capital. That is a lot of lending capacity they are killing. If you want to go there, then phase that in. You can't lay that on the system immediately.
They also have to restore the crisis management powers. This is something in the bill that I find highly objectionable. If this becomes law they really have tied the hands of the FED and the FDIC to handle a crisis or a problem short of a crisis, to head it off by stepping in and intervening. The really gutted the authority of the Fed to lend and the FDIC to backstop institutions that are important and try and bring a situation into control before it creates a crisis. That is very unwise. If the Fed and FDIC's hands are tied then in the next crisis, it will get out of control for sure because they won't be able to do anything to stop it. Then we would be back to asking the taxpayers for a lot of money or nationalizing the system. They also need to address the concentration in the system. Our five largest banks control over 50% of the financial assets and banking asserts. That is just unhealthy to have that much concentration.
FM: Break them up?
BI: Some say break them up but I have another idea on how to address it. This idea came along late in the process but they are in such a hurry to get something passed before the election. I think [it] is a terrible idea to rush this in before the election because [everyone] is under such political pressure because they are all embarrassed by their TARP votes. They are trying to bang on the Wall Street banks and make them pay for the error of their ways. Lets have a reasonable debate and lets do reform after the election.


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- October 4, 2010
- 8:02 a.m.
- Suggest removal
- Reply to this post
ResidentSinceBirth writes:
Little Mia has been a friend of my youngest son since they were 3 yrs old and we are so worried about she and Netta. Please let us know if there is anything the Sizemore's can do...
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subset: commoncrawl


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Treffer 54, Neue Suche
Dec 12 2013 - Dec 23 2013
Everyone's favourite Christmas Festival is back again for the 9th consecutive year, bringing Christmas cheer and magical festive treats to the heart of Dublin from the IFSC at Georges Dock. Mehr
Dec 12 2013
Celebrate Christmas with carols sung in Irish by the children of Bun Scoil na Traonaigh, Lisnaskea.Minced pies, soft drinks & refreshments served. Mehr
Dec 12 2013 - Dec 18 2013
The MAC are delighted to announce that following on from the success of Pony Panto 2012, the guys from ponydance will be returning this season to help add some necessary camp to your Christmas.Mehr
Enjoy mulled wine and mince pies, and listen to a Victorian storyteller as you browse the selection of festive goods. There's face painting and sounds from a brass band. Santa may even drop by! Mehr
Dec 12 2013 - Dec 14 2013
A market town since 1244, Athenry boasts a traditional Irish Christmas market on the 12-14 December with a real festive feel, featuring goods from local producers, crafters and artists while carol... Mehr
Dec 12 2013 - Dec 29 2013
Grimes & McKee - It's a Pure, Clean, Class Life.Presented by Brassneck Theatre company, this is a Christmas comedy sure to make you laugh until you cry.There's a financial crisis... Mehr
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When Jack and his mother receive a water bill which they cannot pay because they are poor, there is only one thing for it, Daisy the family cow will have to go. Mehr
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Gorey Chamber Magical Christmas Market takes place on Friday, 13 December from 4pm to 9pm. Enjoy the Christmas lights and the novelty of shopping outdoors. Mehr
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OpenTable buys food photo-sharing app Foodspotting
Restaurant reservations site OpenTable says it is buying Foodspotting, a mobile app for finding and sharing photos of food, for about $10 million to help it personalize its service.
Urban poor plagued by 'burdens of place'
Most of America's urban cores were designed for walking but offer little in the way of supermarkets, healthy restaurants and other amenities for residents to walk to, according to a study led by a Michigan ...
Natural-born consumers
What do fast-food restaurants have in common? Why are women more likely to become compulsive shoppers and men more likely to become addicted to pornography? Why do men's testosterone levels rise when they ...
Va-based food distributor using DNA to track beef
First came organic, then free-range, then local. Now discerning diners with a penchant for spending a premium to know where food comes from are pushing DNA-traceable meat onto restaurant menus.
Mandatory menu labeling didn't change behavior at 1 fast food chain
An effort in King County, Washington, to add nutrition facts labeling to fast food menus had no effect on consumer behavior in its first year.
Fast food restaurants dish up unhealthy marketing to youth: report
(PhysOrg.com) -- Children as young as age 2 are seeing more fast food ads than ever before, and restaurants rarely offer parents the healthy kids meal choices, according to a new study from Yales ...
Newly identified self-cloning lizard found in Vietnam
(PhysOrg.com) -- Scientists have just discovered that a small lizard, long known as a restaurant food item in southeastern Vietnam, is an all-female species that reproduces through "cloning" itself.
Health halos that make us fat
If you think you eat healthier at the Sunburst Fresh Cafe than at Big Jims Beefy BBQ, you might be wrong. You could be a victim of the "Health Halo."
ADA supports national restaurant menu labeling legislation
The government's role in improving the nation's nutrition is now firmly established with nutritional labeling for restaurant meals now mandated across the United States as part of HR 3590 Patient Protection and Affordable ...
Though acidic, salsa can still be a risk if handled improperly, researcher says
Just because salsa is acidic, don't assume it can't make you ill. A University of Florida researcher's study shows that salmonella and staphylococcus can both survive long enough to pose risk in the often ...
Study finds fast food chains have significantly decreased trans fats in cooking oils
Five major fast food chains have significantly decreased trans fats in the oils they use to cook food, according to new research from the University of Minnesota School of Public Health.
Too much salt: Report urges FDA to force rollback
(AP) -- Too much salt is hidden in Americans' food, and regulators plan to work with manufacturers to cut back - but the government isn't ready to go along with a major new recommendation that it order a ...
Scientists 'grow' edible insects in Costa Rica
Fast food menus with calorie information lead to lower calorie selections for young children
In a new study, the amount of calories selected by parents for their child's hypothetical meal at McDonald's restaurants were reduced by an average of 102 calories when the menus clearly showed the calories for each item. ...


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In an interview with BET, Kim Kardashian spoke about raising a bi-racial baby with Kanye. She said, "I have a lot of friends who are of all different nationalities and their children are bi-racial so they've talked to me a little bit about it and what to expect. The most important thing is, the way I want to raise my children is to not see color. There are experiences that you won't really know how to prepare for until you really go through it but raising a child in general is challenging."
She continued, "As long as you are open-minded and don't have any pre-conceived ideas of how you are going to raise your children, it really keeps this broad spectrum. Obviously, You want your child to travel the world and experience different races and different cultures everywhere. So that's really important to me."
- Kim is due in July.


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Height: 1 1/2"
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Overall User Rating: Genpak Harvest W450F 3.5 oz. Tall White Paper Souffle / Drinking Cup 2500 / Case ( 5.0 stars from 2 reviews )
Perfect for small Italian Ices, these cups fit perfectly in hands, and are great for kid sizes. Cheapest price anywhere, much cheaper than restuarant depot
Thomas M. from Murray's Ice Cream Posted on 04/27/2013
Though I prefer the 5 oz. variant of these cups, my experience with this product has been nothing but positive. These are perfect for use as water cups to be placed by water fountains or water coolers.
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Non - Profit Paranormal Research Team here to serve you
The Southern Tier Paranormal Research Team is a non - profit group here to serve the community. If you have unexplained activity and need help to deal with it, feel free to contact us anytime. We never charge for our services and your privacy is our number one priority. Check out our website anytime. http://southerntierparanormal.webs.com/ Or call Brenda Patanella - 585-973-2224
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For your canoe & kayak rental needs...call 716-622-6585. The most competitve daily and weekend rates and special holiday weekend rates!! Check us out at www.ucanyak.com Located in Wilson, NY...plentiful paddling abound! Boat delivery available! By appointment...call soon!
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Opening dates and times:Sun 16 June (2-6.30)Visitors also welcome by appt
Admission:Adm £4, chd free
Facilities: Refreshments:Cream teas
Contact:Mr & Mrs John Manser Email: email@example.com
Postcode:SN9 6AQ Location:3m SW of Pewsey. Turn E from A345 at Enford then N to E Chisenbury, main gates 1m on R click here for a map
Description:Medieval Priory with Queen Anne face and early C17 rear (not open) in middle of 5-acre garden on chalk. Mature garden with fine trees within clump and flint walls, herbaceous borders, shrubs, roses. Moisture-loving plants along mill leat, carp pond, orchard and wild garden, many unusual plants. Front borders redesigned in 2009 by Tom Stuart-Smith
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Today is forecast to be the last for extreme heat in western Kentucky, with relatively cooler temperatures expected the rest of the week.
The National Weather Service in Paducah has issued one more heat advisory through this evening as they say the mercury will rise to the mid to upper 90's today, with a 40-percent chance of thunderstorms this afternoon and a 70-percent chance tonight.
Even with the much-needed widespread rain expected for the area early this week, the weather service says it won't be enough to end the severe to extreme ongoing drought. A special weather statement says burn bans will likely still be needed for the foreseeable future.
Today is the only in a seven day forecast with a high temperature above 90 degrees.
The Trigg County Sheriff's Office is asking for the public's help in solving the recent theft of a trailer.
Sheriff Ray Burnam posted a video of the theft on the Department's Facebook page and asks anyone who may have information to contact him. A man and woman in a full-sized white pickup pull into the parking lot where the 16-foot metal trailer is parked and drive away with it within a few minutes on July 5th around 9:14pm.
Click here to watch the video. If you have any information on the incident, call Sheriff Burnam at 270-522-6014
Hopkinsville Police arrested two suspects Friday morning accused of entering a local home and assaulting the resident.
The alleged incident happened around 10am, when 40-year old Evens Jackson of Hopkinsville called the ECC and said two people had entered his girlfriend's home at 128 Boyd Street and assaulted her. The victim, 31-year old Marnica Mack of Hopkinsville, and Jackson were able to give a description of the suspects and vehicle and officers found them at Discount Liqours on Virginia Street.
Arrested and charged with second degree burglary were 28-year old Shara Bumphus of Cadiz and 30-year old Marshal Turner of Hopkinsville. Bumphus was also charged with possession of marijuana, drug paraphernalia and driving on a suspended license.
The man who got away during a drug arrest at Pennyrile Homes Tuesday was found and arrested Friday.
Hopkinsville Police arrived at 3b Pennyrile Homes around 1pm for a "knock and talk" Tuesday, according to the report. Officers noticed 23-year old Nicole Wilson walking toward the back door and were able to stop her, allegedly finding a handgun and a large bag of marijuana in a back pack.
While police were looking in the backpack, the second male suspect fled the scene out the front door and got away.
Ms. Wilson was arrested and charged with trafficking in marijuana within 1,000 feet of a school, possession of drug paraphernalia and tampering with evidence.
Officers caught up with the male suspect Friday, arresting 23-year old Damien Davis of Hopkinsville at 300 Charlie Court. He is charged with trafficking in a controlled substance within a thousand feet of a school and possession of drug paraphernalia.
A burglary at a Ridgehill Drive residence is under investigation by Hopkinsville Police.
The report only says unknown suspects made unforced entry into 316 Ridgehill sometime between June 30th and Thursday, getting away with 54-hundred dollars worth of property belonging to 37-year old Robert Gray of Hopkinsville.
The items included a shotgun, cash and three flat screen televisions.


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Reduced for sale. Beautiful, level lot with gate at top of driveway and power and phone utilities at the paved road/ lot line. This parcel has lots of tall Pines and Oaks with some Juniper. Many building sites, county maintained road & within minutes of many recreational activities: golfing, fishing, hunting, hiking, skiing- you name it it's here!


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Made in Washington – A plan to preserve, restore jobs in our state
Published on Tue, Jan 26, 2010 by
REP. DAN KRISTIANSEN | 39th LEGISLATIVE DISTRICT
Read More
Guest Editorial
When I hear the words "Made in Washington," I think of the quality and craftsmanship of products and services in our state. I think of businesses trying to remain competitive, creating jobs and helping others be successful. Mostly, I think of hard-working employees toiling to provide quality products and who go home at day's end feeling proud they have done a good job and provided for their families.
It seems we have taken for granted that businesses will always be ready to set up shop in Washington and there will be plenty of jobs to go around. That may have been the case a few years ago, but over the past decade we've lost focus of what "Made in Washington" really means. State government has continued to add unnecessary, burdensome regulations and taxes to employers and employees, and increased mandates that force families to pay more in health care and energy costs. It's made it difficult for employers and employees to survive, even before this recession struck. But now, many businesses are failing, more than 320,000 Washingtonians are unemployed, and families are really struggling to pay their bills.
What is the response from the governor and majority party? They tirelessly recite a Forbes Magazine article that says Washington is a great place to do business, while simultaneously ignoring the real problems of people across our state.
We all want Washington to be a great place to do business. But we can't get there when state government increases unemployment insurance and workers' compensation rates against employers and employees at a time when they are struggling most. We can't get there when state government is so worried about padding its own pockets with tax increases to close a $2.6 billion budget shortfall that it loses sight of the thousands of people out of work who can no longer provide for their families. We can't get there when it forgets about those barely hanging onto their jobs.
My House Republican colleagues and I believe we need reforms during this 60-day legislative session that address the challenges of employees and their families in this recession. That's why we're putting the creation of private sector jobs as our highest priority.
Just before the session began Jan. 11, we unveiled our "Made in Washington" jobs agenda. Our plan is composed of four core components:
• Put people back to work by reducing employer costs.
• Empower Washington employers to hire people by eliminating burdensome and costly regulations.
• Increase affordable, renewable energy supply.
• Affordable, accessible health insurance.
The bills we will introduce focus on preserving employees' existing jobs and creating new ones to get people in Washington working again. We believe that putting people back to work is not only imperative to helping families, it is the responsible way for the Legislature to respond to the state's budget challenges. A strong economy makes people less reliant on government services and at the same time generates the revenue that helps us carry out the core functions of government.
In the coming weeks in this column, I will provide details about each of the plan's components and how they would help employees, the unemployed, and their families. I will also explain how you can get involved so that we can make "Made in Washington" mean something again. Meantime, I invite you to review our plan from my Web site at: www.houserepublicans.wa.gov/Kristiansen.
State Rep. Dan Kristiansen, R-Snohomish, represents the 39th Legislative District, and also serves as chairman of the Washington House Republican Caucus. He can be contacted at (360) 786-7967 or e-mail him and sign up for his e-newsletter at: www.houserepublicans.wa.gov/Kristiansen. His office address is: P.O. Box 40600, Olympia, WA 98504-0600.
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Copyright © 2009 Lake Stevens Journal, published by The Lake Stevens Journal., Lake Stevens, Washington


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Nice 3 bedroom $1350 3bd
The house is located on 923 Delaware nestled in a very quiet neighborhood right next to the arts district.
Lease ends July 31, 2013 with option to renew
Landlord conveniently lives next door
About a 5 minute walk to Mass street.
We are right down the street from Hobbs Park and the start of the boroughs trail if you like to run/bike/walk outdoors.
Also a new coffee shop will be opening in a few months right across the street!
The house was remodeled by Struct/Restruct 3 years ago and is very modern with all new appliances.
The landscape is lusciously green and modern. Lots of flora y fauna.
3 bedrooms,
1 bathroom,
washer and dryer,
hard wood cedar floors,
immaculate front and back porch
ample parking,
and a big basement cellar!
The rent is $1350 plus utilities.
$1,350 3 bedrooms
WARNING! Always deal locally with people on SpreadMyAd, when buying OR selling something. You'll eliminate most of your risk for getting scammed by dealing in person. Question deals that involve money transfers, wire transfers, shipping, escrow, promisory notes etc.
Browse Sublets/Temporary in Kansas
Lawrence | Manhattan | Northwest KS | Salina | Southeast KS | Southwest KS | Topeka | Wichita


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2:09 pm
Fri December 28, 2012
SportsTalk | Fri 12/28/12
Jeremy Sampson, from WILX, fills in for Earle today. He kicks off the show with the breaking news of Michigan State guard, Brandon Kearney. He calls upon columnist from msuspartans.com Steve Grinzel, commenting on the upcoming Buffalo Wild Wings bowl against TCU. Hockey guru Nate Ewell, from College Hockey Incorporated, discusses the latest in college hockey. Jeremy opens the line for the rest of the show.


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Here you will find our most popular products, Royal® Reading/Writing Centers, mobile easels for Teachers on the move as well as chart stands with magnetic dry erase whiteboards.
We provide superior classroom furniture and library book storage. Our guided and leveled reading storage, instructional literacy carts, mobile book carts and language easels are just some of the products Copernicus has to offer you.
Here you will find products ranging from the Dewey Document Camera Stand to the Royal i-Rover, a line of solutions for interactive whiteboards and projectors. Royal i-Rover mobile carts are used for getting the most out of interactive educational technology by allowing boards to be shared and used in places where wall space is not available like libraries and gymnasiums.
To assist you during arts & crafts time, Copernicus Educational Products has a mobile easel that is double sided to save on space. We also ensure that art projects are kept safe until dry by offering various drying racks.
From an early age children are engaged by direct sensory experiences. We have developed a range of products, including the Sand and Water Sensory Center, that engage and entertain in equal measures!
why we designed this
Since children learn about the world by direct sensory experiences, the Sand and Water Sensory Center is the perfect learning center. This all-in-one center is capable of multiple configurations, whether you want just sand, just water or both at the same time. The unit comes complete with a removable main tub that fills and empties with ease.
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Add Photo Add Comment Printer View
The A7 is just up the trail from The Girlfriend Traverse. This is the low, sitdown, roof problem. It climbs a ledge to the corner then you do a few reaches up and over the top. It is really fun with some cool toe hooks.
A pad would be nice.
Three stars ... no matter what grade you climb.
First time to the Satellites, first problem we got onto. Super fun! For a bit of a pump fest, don't throw any feet onto the crack system, keep 'em under the roof!
Amazing problem, so much harder than V1.
Fun campus problem without the fancy footwork.
I guess it is strength-dependent or somethng because most Eldo climbs rated 5.10 are a lot harder than this boulder problem, so maybe it is 5.10? I thought that made it V0?
A super fun problem with great heel hooks. One of my first problems my first time to the Satellites.


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Moored balloon
Look up aerostat in Wiktionary, the free dictionary. |
A tethered balloon is a balloon that is restrained by a cable attached to the ground or a vehicle and so cannot float freely. The tether is attached to a winch which is used to raise and lower the balloon. To give it buoyancy and enable it to float, a tethered balloon would once have been filled with hydrogen gas but nowadays helium gas is used because it is not flammable.
A balloon is a form of aerostat, along with the powered free-flying airship, although the American GAO has used the term "aerostat" to describe a tethered balloon in contrast to the airship.[1]
Tethered balloons typically take one of three forms:
- An elongated (airship- or blimp-shaped) balloon with fins at one end to stabilise it so that it always points into the wind.
- A simple round balloon, without stabilisation.
- A hybrid tethered balloon uses buoyancy, and also aerodynamic lift similar to a kite.
Tethered hydrogen balloons[edit]
Designed by Albert Caquot, French engineer, in 1914, the barrage balloons of World War I and World War II were examples of tethered balloons. Today, tethered balloons are used for lifting cameras, radio antennas, electro-optical sensors, radio-relay equipment and advertising banners - often for long durations. Tethered balloons are also used for position marking and bird control work.
Tethered helium balloons[edit]
A tethered balloon was made in France at Chantilly Castle in 1994 by Aerophile SA and following the installation of a balloon in Paris in 1999 the company has installed more than 60 tethered balloons in 25 countries. Aerophile SA is also the largest operator of tethered balloons in the world with six operations, Paris, Disneyland Paris in France and Orange County Great Park (CA), Walt Disney World (FL), Wonderworks Pigeon Forge (TN) and San Diego Zoo Safari Park (CA) in the US.
A helium balloon is tethered at Montecasino in South Africa next to the Bird Gardens. The ride takes passengers up to approximately 120m above Fourways.
The Ahmedabad Eye is a tethered balloon installed at the Kankaria Lakefront in Ahmedabad, India.
During the 1990 Invasion of Kuwait, the first indication of the Iraqi ground advance was from a radar-equipped tethered balloon that detected Iraqi armor and air assets moving south.[2] Surveillance tethered balloons were used in the 2004 American occupation of Iraq. They utilized a high-tech optics system to detect and observe enemies from miles away. They have been used to over watch foot patrols and convoys in Baghdad, Afghanistan and several other contingency operations.
The United States Geological Survey uses tethered balloons to carry equipment to places where conventional aircraft cannot go, such as above an erupting volcano. Tethered balloons are ideal as they can easily remain more or less in one place; are less likely to be damaged by volcanic ash and are less expensive to operate than a helicopter.
The Drug Enforcement Administration has contracted with Lockheed Martin to operate a series of radar-equipped tethered balloons to detect low-flying aircraft attempting to enter the United States. A total of twelve tethered balloons, called Tethered Aerostat Radar System, are positioned approximately 350 miles apart, from California to Florida to Puerto Rico, providing unbroken radar coverage along the entire southern border of the US.[3]
Tethered balloons can be used as temporary transmitters, instead of a radio mast, either by using the tether which holds the balloon as the antenna, or by carrying antennas on the balloon fed by a fiber optic or radio frequency cable contained inside the tether. The advantage of tethered balloons is that great antenna heights are easily realizable and they can stay aloft for months.
Tethered balloons are sometimes used for advertisement, either by lifting advertisement signs, or by using a balloon with advertisements on it. Often both methods are combined. It is not uncommon to use specially designed balloons. By suspending a light source within the envelope, the balloon can be made to glow at night, drawing attention to its message.
Other manufacturers include Lindstrand Technologies and Worldwide Aeros Corp.
See also[edit]
Wikimedia Commons has media related to Tethered balloons. |
List of manufacturers[edit]
- Lockheed Martin PTDS Aerostat ISR system
- Vigilance Rapid Deployable Aerostat
- Raven Aerostar
- SkyDoc Aerostat resources
- Worldwide Aeros Corp
- Top I Vision
- Aerophile SA
- Aerostat based communications and surveillance
- SkyDoc Aerostat resources
- Helikites
- Air-Foil Aerostat
- ^ "GAO-13-81, DEFENSE ACQUISITIONS: Future Aerostat and Airship Investment Decisions Drive Oversight and Coordination Needs" (PDF). Retrieved 2013-06-15.
- ^ "Persian Gulf States - Kuwait - Regional and National Security Considerations". Countrystudies.us. Retrieved 2013-06-15.
- ^ "Tethered Aerostat Radar System - United States Nuclear Forces". Fas.org. Retrieved 2013-06-15.


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IE/Opera Scrollbars
By Paul Knierim (WSN PHP Scripts)
03/14/04 (Edited 11/06/06)
To use colored scrollbars for IE 5.5+ and Opera, add this at the top of your stylesheet:
scrollbar-base-color: #D8DADC;
scrollbar-arrow-color: #000000;
Change those hexadecimal color values to the colors you want your scrollbars to have.
You must also remove the DTD delaration at the top of the wrapper template. The DTD kills the scrollbars because they don't comply with it; hence you must make a choice between either strict standards compliance or colored scrollbars.
From pablo's forum post:
"The scrollbar tweaks are not officially supported by css, they're more of a hack that work in ie and I suppose some other browsers. To get it to work you should remove the DOCTYPE declaration from your head tag. for example, remove:
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> , or whatever yours specifically is. That should make the scroll bar colours change to whatever you defined in your stylesheets.
Actually, if you just remove the URL portion in the above example, I think that is enough, because that is where the browser looks to find the rules that apply to your page -- and it finds no rules defining scrollbar colours and has no idea what your scrollbar-related styles mean -- so it ignores them.
i.e. you would keep only:
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN">
But as I said, scrollbar colour changes are a hack to css, so if you are one of those validation nazis and would have a stroke if your web pages did not have a document type declaration, then you'll have to live without coloured-scrollbars "
5/5 based on 1 votes. The median rating is 5.
Views: 1409 views. Averaging 0 views per day.


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For the love of Malcolm
Counter surfingNovember 13th 2007 1:34 pm[ Leave A Comment ] I went counter surfing 2 nights ago while mom & dad were at work. They thought they had things pushed back far enough but HA! They were wrong. I helped myself to some pumpkin fudge & a 12 oz. bag of chocolate chips. The vet says I'll be ok. ...I didn't even get a belly ache! & boy was it good! Mom wasn't too happy with me. The choc. chips were for dads birthday cake & now she has to go buy more. & she can only get the pumpkin fudge once a year at a festival, so she's really not happy about that. But hey...I enjoyed it! Leave a Comment |
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Ciência & Saúde Coletiva
versión impresa ISSN 1413-8123
SANTOS, Ana Paula Lopes dos y LACAZ, Francisco Antonio de Castro. Matricial support in workers' health: creating networks in primary care in the Unified Health System (SUS), the case of Amparo in the state of São Paulo. Ciênc. saúde coletiva [online]. 2012, vol.17, n.5, pp. 1143-1150. ISSN 1413-8123. http://dx.doi.org/10.1590/S1413-81232012000500008.
The Reference Center in Workers' Health of Amparo in the State of São Paulo promotes actions directed to workers' health in primary care. In order to understand the process, we conducted research in Matricial Support in Workers' Health, its trajectory, difficulties and potential, using a qualitative case study approach. The main matricial support activities are thematic meetings, informative bulletins and systematic support. The exchange of knowledge and experience leads to a closer bond between the professionals. Horizontal technical support brings about a reorganization of work in health, mutual responsibility for cases and a new outlook on illness by integrating assistance and surveillance actions. An excess workload, rotation of health professionals, undernotification of Work-Related Accidents and Diseases and regional organization are the challenges to be tackled. Matricial Support in Workers' Health is strategic for the insertion of such actions in primary care and represents a step forward in the reorientation of the assistential medical model, with the introduction of the work-health relationship in family health.
Palabras llave : Workers' health; Unified Health System; Matricial support.


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- November 17, 2011
- 7:17 a.m.
- Suggest removal
- Reply to this post
jackburns writes:
Wendi, you should have cited David Brooks of The New York Times, since the main thrust of your article seems to be exactly the same as his opinion piece published on Nov. 14. You even went so far as to write, in your first paragraph, about the "indignation" (just as Brooks did in his first paragraph) of those who insist they "would have stopped it.
Plagiarism doesn't have to be a word for word copying of phrases. It's also using someone's ideas. Use of a thesaurus and then tossing in some local flavor is an insufficient coverup.
Want to participate in the conversation? Become a subscriber today. Subscribers can read and comment on any story, anytime. Non-subscribers will only be able to view comments on select stories.


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Coming Out
Posted by Courtney on September 25, 1997 at 05:11:55:
I'm sure this has already been discussed (but I don't know how to find it) and is quite elementary to everyone, but I'm dense... okay? At any rate, what does this mean exactly? I'm guessing when it was near time for the girls to marry, but was there a certain age? Lady Catherine suggested a relationship between the older girls being married first. Also, did coming out mean going to balls and making those infamous visits? Or did it mean they were allowed to talk to gentlemen? Or did it mean what? Like dating? I'm looking for particulars.
Posting followups to old messages is disabled; instead go to the main index and post a new message which mentions this one.


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3D Fly-through of new Carrara Stadium
- Thursday, 26 August 2010
- By Tusk
- Share This
For those of you on the Gold Coast, you would have no doubt heard about the new stadium being developed at Carrara by now - probably seen the artist impressions too. You probably even driven past the ground and seen the huge stands be constructed. The Gold Coast Suns have just release a 3D fly-through sneek peak of the corporate facilities that will be on offer and they look pretty impressive. Modern, bold and colourful. So for those of you in the local business community, along with introduction of the Gold Coast Suns into the AFL next year, the new state of the art stadium will provide you with a range of exicting new opportunities for networking and entertaining clients from next year onwards.
There's a great range of coporate hospitality packages being put together so is certainly worth looking into and you can submit your interest now.
Take a peek - Carrara Fly-through Video


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What's Working
6:52 am
Mon July 18, 2011
Lansing police reach out to the LGBT community
All this year, Michigan Radio has been taking a look at groups and various programs that are trying to improve the state. It's part of our series, "What's Working." In 2010 Detective Michelle Bryant became the Lansing Police Department's first liaison to the Lesbian Gay Bisexual Transgender community. We speak to Detective Bryant this morning for our "What's Working" series.
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Hooked - (Stacia Naquin)
Updated: 10/11/2013 - I'm SO CLOSE to being able to do a pull-up. So my trainer introduced something new into my training.
DENVER (AP) -- Clayton Richard pitched effectively into the seventh inning, Carlos Quentin homered and the surging San Diego Padres beat the Colorado Rockies 5-4 on Friday night.
Cameron Maybin had three hits for the Padres, who have won two straight and 10 of 11.
Jordan Pacheco, Wilin Rosario and Andrew Brown homered for Colorado, which has dropped two straight.
Richard (12-12) had his sixth consecutive strong outing to even his record following a slow start to the season. He was 6-10 after losing to the Dodgers on July 13, but came on strong in August, winning his last three starts and finishing the month 5-1.
Rockies starter Alex White (2-7) failed to pitch past the fourth inning for his fifth straight start. He allowed three runs and four hits and walked three in 3 2-3 innings.
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powered by DisqusUpdated: 10/11/2013 - I'm SO CLOSE to being able to do a pull-up. So my trainer introduced something new into my training.
Posted: 08/06/2013 - Even if you don't plan to workout on your vacation, you may be surprised at the calories you're burning without even trying!
Updated: 06/18/2013 - We did a quick helicopter tour of the Black Forest burn area. Someone asked why the video looks shaky.
Updated: 05/20/2013 - Two weekends left to catch one great show!
Updated: 05/14/2013 - I'm still focused on meeting my goal of doing a pull-up. And I'm almost there! But I'm always getting this question:


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Now that you've bought that beautiful new car, how do you plan to take care of it? When the need for vehicle maintenance or accident repair arises, Edmunds.com features a national directory of auto repair shops to help you locate a trustworthy mechanic in your area. Search our listings of auto repair shops in Ocean Beach, New York 98144 and compare prices and services to find the best deal at the most convenient location. With all the time and effort that went into buying your new car, it's important to find an auto repair shop you can trust.
"We purchased a Rav4 this week from this dealership. Our salesperson Dan T could have been more helpful and polite to us. Even after the car left the l"... Read more Review by: jhoda


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Durect Corporation
Exchange: | NASDAQ national market |
Stock: | Durect Corporation |
Industry: | Drug Manufacturers - Specialty & Generic |
Employees: | 102 |
DURECT Corporation was incorporated in Delaware in February 1998. The Company is a specialty pharmaceutical company focused on the development of pharmaceutical products based on its proprietary drug delivery technology platforms. The Company's product pipeline currently consists of seven investigational drug candidates in clinical development, with one program the subject of a New Drug Application (NDA) with the U.S. Food and Drug Administration (FDA).The Company has other programs underway in fields outside of pain management, including several efforts underway which seek to improve the administration of biotechnology agents such as proteins and peptides. The Company's development efforts are focused on the application of its pharmaceutical systems technologies to potential products in a variety of chronic and episodic disease areas including pain, central nervous system (CNS) disorders, cardiovascular disease and other chronic diseases. Its product candidate include Remoxy (Oral controlled release oxycodone); POSIDUR (Controlled release injection of bupivacaine); ELADUR (Transdermal bupivacaine); TRANSDUR-Sufentanil (Transdermal sufentanil); ORADUR-based opioid (hydrocodone); ORADUR-based opioid (hydromorphone); ORADUR-ADHD; ORADUR-based opioid (oxymorphone); and Relday (risperidone). The DURECT Solutions is the Company's developing and commercializing pharmaceutical systems that will deliver the right drug to the right place, in the right amount and at the right time to treat chronic and episodic diseases and conditions. Its pharmaceutical systems enable optimized therapy for a given disease or patient population by controlling the rate and duration of drug administration. The Company has several major technology platforms: Bioerodible Injectable Depot Systems, The TRANSDUR Transdermal Delivery System, The ORADUR Sustained Release Gel Cap Technology, and The DURIN Biodegradable Implant Technology. The manufacture and marketing of its pharmaceutical systems and its research and development activities are subject to extensive regulation for safety, efficacy and quality by numerous government authorities in the United States and abroad. |
Copyright © 2013 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
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[BRIEFING.COM] The major averages have ticked up off their lows, but they continue to hold the bulk of their losses. Just reported, the November Treasury Budget showed a deficit of $135.20 billion, which followed the prior month's deficit of $172.10
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Jacques Prieur Beaune Clos De La Feguine Rouge 2008
Jacques Prieur
- Burgundy
- France
- Cote De Beaune
- Beaune
Regularly described as being the grape varietal responsible for producing the world's most romantic wines, Pinot Noir has long been associated with elegance and a broad range of flavors The name means 'black pine' in French, and this is due to the fact that the fruit of this particular varietal is especially dark in color, and hangs in a conical shape, like that of a pine cone. Despite being grown today in almost every wine producing country, Pinot Noir is a notoriously difficult grape variety to cultivate. This is because it is especially susceptible to various forms of mold and mildew, and thrives best in steady, cooler climates. However, the quality of the fruit has ensured that wineries and vintners have persevered with the varietal, and new technologies and methods have overcome many of the problems it presents. Alongside this, the wide popularity and enthusiasm for this grape has ensured it will remain a firm favorite amongst wine drinkers for many years to come.
The region of Burgundy has become synonymous with high quality red wines, but in actual fact the region consistently produces a wide variety of fine wines of many different styles, rigorously protected by French wine laws designed to keep reputations and quality at a very high level. The region benefits greatly from a warm and sunny summer climate, which, coupled with the excellent quality soils which typify the region, and centuries of experience and expertise, has led to the region being known all over the world for the excellence of its produce. The majority of grapevines grown here are of the Pinot Noir varietal, which has helped Burgundy become known as the definitive region for elegant and smooth red wines, but Chardonnay grapes and many others are also grown in abundance and used to make both still and sparkling wines.
French winemakers are subjected to several laws and regulations regarding the wines they produce, and how they can be labeled and sold. Such procedures are designed to increase the overall quality of the country's produce, and also to ensure that wines made in each particular region or appellation are of a character and type which is representative of the area. Thankfully for consumers of wine world-wide, the French have a particularly high reputation to uphold, and seem to do so flawlessly. Every year, wineries from all over France produce millions upon millions of bottles of fine wine, making the most of their native grape varieties and the excellent terrain which covers most of the country. From the expensive and exquisite red wines of Bordeaux and Burgundy, to the white wines and cremants of central France, the French are dedicated to providing the world with wines of the highest quality and most distinctive character.
The historic and utterly enchanting French region of Cote De Beaune has been producing what are widely regarded as many of the world's finest wines for centuries. The wine industry in Cote De Beaune predominantly revolves around the cultivation and processing of Chardonnay and Pinot Noir grapes, which flourish under the hot summer sunshine which typifies the area. Mineral rich soils, sea breezes and centuries of experience and expertise help in growing these characterful grapes and transforming them into something truly remarkable. Cote De Beaune white wines tend to be intense, packed full of fascinating fruit flavors and plenty of mineral character, thanks to the fine features of the terroir being expressed through the juice of the Chardonnay grapes. The red wines, on the other hand, are very good indeed - light, fruity and irresistible.


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Welcome to Storyboard
An introduction to Tumblr's new home for community features.
I am loving this new, curated blog of Tumblrs from the editorial staff at Tumblr. Who would like to see the Tumblr staff journey up to the Bronx to explore how we're using Tumblr to enhance our mission as an advocate for the plant kingdom and to showcase one of the world's greatest urban gardens? ~AR
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"Storyboard helps people find amazing Tumblr creators." - David Karp, CEO of Tumblr
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Oh man! This is awesome.
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Fuck yeah Storyboard
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ok see now I'm like freaking out that I was on storyboards favorite tumblr stories. lskdjflwekj which can be found here
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via storyboard
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I find this very interesting. I'm not sure how I feel about a company covering itself, but I'm not sure what my...
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Cool stuff brewing. Potentially a great place...storytellers of all media.
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Birth Doula services include:
Preparing for Birth Sessions:
during labour or birth. Fee: $300 Preparing for Birth Bodywork Session: Learn simple and effective energy medicine techniques and relaxation skills to prepare your body for birth, to be used regularly during pregnancy. 1 hour session- $65 Mom and Baby Restorative Session: A gentle and nurturing bodywork session to restore balance and facilitate harmony between mom and baby in the "fourth trimester". 1 hour session- $65 Reduced rate for Doula clients- $50 Serving women in Huron, Perth and London within an hour travelling time of my home in Kirkton. |


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Poser 8 Revealed: Dealing with Props - Part 2
6. Drag over the top section of the head in the Document Window. Then rotate the camera around to the side and select the portions of the head where the hair grows above and behind the ear, as shown in Figure 5-16. Rotate the camera to the opposite side of the head and choose the remainder of the area where hair grows.
7. Click the Create Prop button in the Group Editor panel.
The New Prop Name dialog box appears.
8. Type the name, Skullcap, in the New Prop Name dialog box and click OK.
9. Close the Group Editor and select the Skullcap prop from the Actor list at the top of the Document Window. Move it to the side of the original head object.
10. Click the Smooth Shaded button in the Document Display Style controls.
The skullcap prop is positioned next to the figure's head, as shown in Figure 5-17.
11. Select File, Save As and save the file as Skull cap.pz3.
Use Prop And Conforming Hair And Cloth
Earlier versions of Poser used prop objects to create hair and clothes for figures. These prop objects are manually fitted on the figure and can be selected from the Props section of the Actor list. Although conforming and dynamic hair and cloth solutions are available in the current Poser version, you can still use the prop-based hair and cloth.
Another solution for hair and cloth is conforming hair and cloth objects. These objects are applied to the scene as figure items and can be made to conform to the current pose for the current figure. Once conformed, the hair and/or clothing items move along the figure.
Conforming hair and clothes objects load from the Library as figure elements instead of as props, so don't look for them in the Actor list.
If you're not sure where to start, you can check the Library for several preset prop hairstyles that you can apply directly to the current figure. To access the available hair from the Library, click the Hair category and navigate to the folder containing the prop hairstyles you want to apply. Within each folder are thumbnails of the various hairstyles. With a prop hairstyle thumbnail selected, click the Apply Library Preset button at the bottom of the Library palette; the selected hairstyle is loaded into the Document Window. Figure 5-18 shows a hairstyle added to the Alyson figure.
Prop hair might look funny in Preview mode because it is made of several semi-transparent layers, but when rendered, the hair will look correct.
You can actually load both prop and dynamic hair from within any room.


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5 december mmxiii
A good cook is like a sorceress who dispenses happiness
We interviewed culinary duo, Mina Stone and Alex Eagleton, for The Coda! Full interview, this way.
31 october mmxiii
The creature has a purpose, and his eyes are bright with it
Correspondence feels like a convenient and effective medium for me to express ideas that I couldn't otherwise express: "Dear so-and-so, I'm f***ing nuts, would you be so kind as to humor me. Yours, Darren [Bader]." —Darren Bader, artist and 2013 Calder Prize Laureate.
25 october mmxiii
An Evening Honoring Karl Lagerfeld Giveaway
Our first giveaway ever and it's a good one! On the evening of November 6th at 7 PM, the Lincoln Center Corporate Fund is presenting An Evening Honoring Karl Lagerfeld. The Kaiser will be in an intimate conversation hosted by Academy Award nominee, Jessica Chastain, on the Adrienne Arsht Stage of Alice Tully Hall in New York City.
25 september mmxiii
Consciousness articulated
I love a woman whose beauty is inherently intelligent. —Thessaly La Force, Vogue.com culture editor. Beam yourself over to The Coda for the full interview.
16 september mmxiii
From place to place
Doris interviewed and photographed writer Katherine Bernard for The Coda. Read if you please.
20 march mmxiii
An interview with French photographer and director, Cyrille de Vignemont
I first noticed photographer and director Cyrille de Vignemont's light-filled work through Isabel Marant's Spring 2012 film. It was tranquil, minimal, natural, and familiar. A quiet scene of waking up at dawn and putting on your most comfortable, beautiful sweater. To greet the daylight, the morning, wrapped up in warmth and bathed in intense beams and rays.


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Quoting: Brian DavisonI still have my first tailor made blues and I wore them with honour you are a nasty evil thinking women. and before I get accused of rudness will put the ignore on
Quoting: john dalyYou Mr. Davison are a FRAUD �and if you prove this otherwise to the good people watching i will apologise every day on Fo.Reun. for the next 12 months. now either PUT UP or SHUT UP.
Quoting: john dalyI would like to attend the Bury Beanfeast. When is it please?.
Quoting: Brian DavisonIs there a way I can put mu enlistment papers on this site. will that be proof enough for you then you do the same to prove your not a fraud.
Quoting: Pamela Forbes � � Mr. Davison, I am neither nasty nor evil thinking and there is only one of me, as I am sure many people on here will confirm. I think that you have rather cornered the market in nastiness over the last few days. � �It was a perfectly deserved question and I think that your response to it justifies my first comment!


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Come visit me, Barky, Crackle, Moonshine, Harley Davidson, Reptiles of Mississippi, Snap, Sunshine, Shadow, Puta, Skittles, Pop, Sarge & Penny.
Come visit me, MoNtE, Sunny & undecided ( ~any suggestions on names?~).
Come visit me, Romeo, Alice, Jacob, Yang, McSteamy & Juliet.
Come visit me, Clyde, Apollo, Bonnie, Equinox RIP, Ezekiel, Solstice RIP, Diablo MIA & Mojave.
Come visit me, Bob, Casper, Peter, Carl & Fudge.
Come visit me, Graystripe.
Come visit me, Sebastian & RIP Barney.
Come visit me, Falcon, Cudi, Jor-El, Flash, Hillary, Splinter, Neo & Squirtle.
Come visit me, Chappell, Maynard, Sun, Seaver, Kendall, Brooke, Jessica, Amanda, Jocelynn, Penny, Cutter (RIP 12/27/11), Sinder, Acosta, Weise, Rowe, Abigail, Coffee, Taylor, Kavigan, Connor, Lacy, Achuff, Julie, Kimberly, Ashley, Bere, Wieler, Loreli, Bailey, Lulla, Sparks, Verna, Maria, Abe & Kaster.
Come visit me, Rigby & Radiya Jabeen.
Come visit me, Wyatt Earp, peaches R.I.P., *Jazzlyn*, Mr.Magoo R.I.P., *Jericho* & *Mancino*.
Come visit me, Luci, Godzilla, Baby Killer, Marvin, Storm, Twister, Duckie, Tornado & Earl.
Come visit me, Slymantha, Ally, Sly & Clemmy.
Come visit me, Dale, Zoey, ButterBall, Jack, Sunny, CocoBean, Cherry, Jill & Georgia.
Come visit me, Corwin, Mozilla (Mo), Dipsy, Harley, R.I.P. Gibson, Rascal & Froggies.
Come visit me, Elvis, Hog, Buddy, Larry, Lulu, Layla, Clive English, Norman, Drake, Sliders, Elias The Red, Colin, Moonshine, Wiggums, Benjamin and Kobe & Puff.
Come visit me, Chance, Henry, Mysterio, Pedro, R.I.P. Mysterious & Shady.
Come visit me, Gecko (not named yet!).
Come visit me, Leonard, Esh & Eshyt.
Come visit me, Pip Squeak.
*Content generated by our loyal visitors, which includes comments and club postings, is free of constraints from our editors' red pens, and therefore not governed by I-5 Publishing, LLC's Gold Standard Quality Content, but instead allowed to follow the free form expression necessary for quick, inspired and spontaneous communication.
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Available Formats | You Pay | You Save |
ebook (PDF) |
$5.12 |
20% |
ebook (PDF) |
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20% |
Isaiah paperback |
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This paperback edition also available from Amazon and Christianbook.com
Ebook available from other ebook retailers
Do you look around you and see nothing but trouble?
Or are you experiencing firsthand a time of suffering?
Do you wonder how any good can come out of the world you live in?
In the Old Testament book of Isaiah, you'll discover that trouble and suffering are nothing new to God's people. But the prophet Isaiah raises a loud cry for revival in this midst of a rotting society. Isaiah firmly believes that God can triumph even in the worst of times.
As Howard Peskett guides you through these studies on Isaiah, you'll dig deep into the prophet's revolutionary message of repentance, forgiveness and hope. And you'll find comfort for coping with your own troubled times.
This LifeGuide Bible Study in IVP's revised format features questions for starting group discussions and for meeting God in personal reflection, as well as a new "Now or Later" section following each session to help you act on what you learn.
Related Information & Resources
This title is available as two PDFs with multiple-user licenses to download from ChristianBibleStudies.com as Isaiah 1--39: Trusting God in Troubled Times and Isaiah 40--66: Finding Hope in Troubled Times


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Art market to be held this Saturday (September 8) (From This is The West Country)
Get involved! Send your photos, video, news & views by texting COUNTY GAZETTE to 80360 or email us
Art market to be held this Saturday (September 8)
9:00am Tuesday 4th September 2012 in News By Newsdesk
ARTISTS around Burnham are preparing for another creative market.
Fourteen artists will sell paintings, driftwood sculpture, jewellery, ceramics, etchings, cards, quilting, painted glass and more at Burnham Community Centre, Berrow Road, on September 8 from 10am to 4pm.
There will be refreshments, a raffle (Drawn at 3.30), and a children's activity corner.
For more information visit http://habartists.wordpress.com


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This property has been removed by the agent.
It may be sold or temporarily removed from the market View similar propertiesLand for sale
Agricultural Land, South Lane, Cawthorne S75
Full description:
Tenure is freehold. Vacant possession will be granted upon completion.
The site has two access points off South Lane
Local Authority
Barnsley Metropolitan Borough Council
Services We would ask potential purchasers to make their own enquiries, however are informed water is on site.
Plans The plan on the previous page has been prepared for identification purposes only.
MISREPRESENTATION ACT 1967 & MISDESCRIPTION ACT 1991 - When instructed to market this property every effort was made by visual inspection and from information supplied by the vendor to provide these details which are for description purposes only. Certain information was not verified, and we advise that the details are checked to your personal satisfaction. In particular, none of the services or fittings and equipment have been tested nor have any boundaries been confirmed with the registered deed plans. Lancasters Property Services or any persons in their employment cannot give any representations of warranty whatsoever in relation to this property and we would ask prospective purchasers to bear this in mind when formulating their offer. We advise purchasers to have these areas checked by their own surveyor, solicitor and tradesman. Lancasters Property Services accept no responsibility for errors or omissions. These particulars do not form the basis of any contract nor constitute any part of an offer of a contract.


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Field Fisher Waterhouse has boosted its intellectual property (IP) and technology dispute resolution practice with the hire of partner Andrew Dodd from DLA Piper.
Dodd, who is set to join Field Fisher on 8 September, is leaving DLA Piper after seven years with the firm. He will take Field Fisher's IP and technology dispute practice to seven partners, in addition to 14 other lawyers.
Prior to working at DLA Piper, Dodd held roles at Denton Wilde Sapte and Stephenson Harwood. He primarily advises on prosecution and defence of contracts relating to IT and telecommunications agreements. He has advised clients including IT groups EDS and TranSys as well as telecommunications companies COLT and Symbian in the past.
His hire is the third this year for Field Fisher in the telecommunications and technology sector, after bringing in partners Katrina Dick and Hamish Sandison from Lovells and Bird & Bird respectively.
The firm's head of IP and technology dispute resolution, Nick Rose, said: "The firm has a strong telecoms sector capability with a range of clients including Orange and Liberty Global, and Andrew's expertise in contentious work will be a great asset."
Dodd's departure is unrelated to the recent round of redundancies DLA Piper announced in its technology, media and commercial group. The firm announced at the beginning of the month that it was laying people off in the group with five London fee earners understood to have been affected so far.