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"Men, we are the first, last and often only line of defence the Imperium has against what is out there. You and that fine piece of Imperial weaponry you hold in your hands is all that is keeping humanity alive. Most of you will probably not live to see your second year in the Guard and most of you will probably never see your homeworlds again, but I can guarantee you that when you do fall, with a prayer to the most high and mighty God-Emperor on your lips, you will have earned the right to call yourself a man!" –Staff Sergeant Vermak, 12th Cadian Shock Regiment
Only War is a complete, standalone Warhammer 40,000 roleplaying game experience in which players take on the roles of soldiers in the Imperial Guard, the galaxy-spanning armies of the God-Emperor. Fully compatible with FFG's other Warhammer 40,000 Roleplay titles, this comprehensive game system explores a previously unseen side of life in the Imperium of Man.
"Everything out there is trying to kill you, soldier. If you figure that out quickly enough, you might live long enough to pass it on to the next batch of fresh casualties-to-be." –Private Mercito Grant
Across the Spinward Front, Imperial Guard troopers contend with deadly adversaries, from the fanatical rebels of the Severan Domin... [click here for more]
"In the end, only the Emperor can judge you. Only He is qualified to weigh acts of righteousness against deeds of vile treachery and find a verdict for your soul. It is merely my humble task to commend you to His final justice." –Lord Commissar Salieri
Final Testament, a complete adventure for Only War, takes players to the war-ravaged mining world... [click here for more]
"This ain't training, trooper. This is the real thing. Those are real bullets and real bombs. This is war. If you want to make it through the next few hours alive, you better do exactly as I say and exactly as I do." –Sergeant Rince Klebb, Baraspian 3rd Rifles, shortly before his death
Hammer of the Empe... [click here for more]

subset: commoncrawl


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Location: * * , FL Contact: (850) 488-3928 Next Meeting: No Scheduled Meeting
Holder, Doug [R] Co-Chair Horner, Mike [R] Vice Chair Legg, John [R] Co-Chair Abruzzo, Joseph [D] Albritton, Ben [R] Brodeur, Jason T. [R] Burgin, Rachel V. [R] Chestnut IV, Charles S. "Chuck" [D] Fullwood, Reggie [D] Goodson, Tom [R] Passidomo, Kathleen C. [R] Plakon, Scott [R] Reed, Betty [D] Taylor, Dwayne L. [D] Trujillo, Carlos [R]
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January 9, 2012
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Lunazul Anejo Tequila
Jalisco, Mexico
Per the bottle label, this tequila is supposed to awaken my inner wolf or some such nonsense. After a year of exuberance for George R. R. Martin fans like myself, I guess I won't complain if savoring an aged tequila brings out my inner Stark—I really hope I have an inner Stark. The year on the bottle, 1823, is when the agave farm first began production. If I do find my wolf, then I think it's safe to assume that the farm broke ground in the dark of winter.
It smells very nice, like an anejo tequila should, with amber notes that allude to flavors that may make me squeal (I may already be tipsy). I smell aloe vera as well. Surprisingly, there's no squealing when I do drink it; it's lighter than the nose conveys and has a super mellow bite for a tequila. The liquid is thin, but I dig those vanilla notes a lot. It tastes like peanut brittle sans the peanut. It's a rich, golden, sugary treat that should never be masked in a margarita.
Lunazul is really good and quite unique among pricier tequilas, but it's missing a level of sophistication that would convince me I can't live without it. Also, my howl's still pathetic.


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Bongs and Waterpipes
All bongs are waterpipes, but not all waterpipes are bongs. This is the place on Grasscity.com to find all the waterpipes we have for sale on our site! From beginners looking to buy their first waterpipe to glass collectors looking for something out of the ordinary to add to the family, we've got glass tubes and waterpipes for everyone!
Glass tubes are by far our most popular type of waterpipe. Glass is heat resistant, transparent, and easy to transform into an endless variety of shapes and colors. Our selection of glass tubes really runs the gamut from ... Read More
Price: $236.50
Beaker Based Bong - Lazyboy - Teal/Black
Price: $269.50
Beaker Based Bong - Amber, Purple and Black
Price: $294.25
Beaker Based Bong - Lazyboy - Amber Purple and Teal
Price: $269.50
Beaker Based Bong - Red and Blue
Price: $294.25


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Lindsey Stiner is a news anchor and reporter with Pronews 7.
More couples may be finding themselves suffering from wedding bill blues, and empty pocketbooks. That's because the average cost a wedding is climbing.
What little girl doesn't dream of her wedding day? A grand celebration to add her own design flare and special touches that reflect the couples relationship. But that celebration comes with a hefty price tag.
Watching a couple say their "I do's" is a special moment, but according to Brides magazine, those "I do's" are costing $26,989 for an average wedding. That price tag climbs as the guest list grows.
"$27,000 is the cost of an average wedding for around 100 to 125 people. The problem is to get brides especially in smaller towns like Amarillo, and especially when you get into little Panhandle towns, the whole town is invited so you could have upwards of 600 people at a wedding. So you'll want to take it up for a bigger wedding," said Parie Villyard, Owner of Parie Designs.
The cost for a wedding has climbed over the years. But why? According to experts, we can thank the worldwide web, celebrity weddings, and reality TV shows like "Say Yes to the Dress". Giving couple's a fake fantasy of what they'd like for their wedding and trying to match that.
"So those are pumping images into us about what is in, and what weddings are about so I mean, its gotten huge, because of what's happening in the media and the web world," said Villyard.
But social media does have it's positives. In fact, wedding coordinators and planners are using Pinterest to get into the minds of their brides.
"What I say to a bride now is just start Pinteresting I'll follow you and I can see what you're looking for, because they're grabbing images and looking at what they like".
Brides magazine also says 91% of couples set a budget, and 32% of those go over it. Adding the best advice is for couples to set their priorities when planning. Helping keep the green in their pockets, and the bill blues away.
Villyard adss, that some of the popular trends she's seeing right now are the use of photo booths, candy and dessert bars as well as fun themed weddings from circus to picnics.


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MARES dive computers took two of the top spots in ScubaLab's 2012 dive computer testing. Here we highlight two MARES models that took away the Testers' Choice prize in their categories.
The new Liquivision Kaon Air and Nitrox dive computer is a very readable and easy-to-use wrist computer. Its high-contrast OLED display, which can be read in any conditions, uses large fonts, and you can select your own menu colors to ultimately personalize your unit.
Liquivision's Xeo Trimix Dive Computer is made for divers who want to explore tec diving. Depth-rated to over 600 feet, the Xeo can be programmed with up to 10 gases and used for both open circuit and rebreather diving.
Cressi's Leonardo dive computer earned both a Testers Choice and a Best Buy in ScubaLab's 2011 Dive Computer Review. Its long list of features includes Cressi's special RGBM algorithm with three diver-programmable safety levels, an optional Deep Stop function, and a 70-hour or 60-dive logbook.
SCUBAPRO's Meridian combines a classy timepiece with an advanced dive computer. The housing is made of marine grade 316-L stainless-steel with a two-toned brushed finish. The display uses bold digits and icons, and is flanked by four control buttons for navigating through the system.
Aqua Lung is pleased to announce that Jack's Diving Locker in Kailua-Kona, Hawaii is now a factory authorized Suunto Service Center. Their repair technicians have gone through extensive factory training and have installed state of the art diagnostic equipment to enable them to perform any and all servicing on current and late model Suunto Diving Computers.
You won't find a more compact console-style air-integrated dive computer than Subgear's X-P-H. Measuring just over two inches in diameter and weighing a featherlight five ounces, this single-gas data cruncher is an air-integrated dive computer that reads up to 4,350 psi in 10 psi increments.
U-T-C's U-D-I, is an underwater communications tool, safety device and dive computer, all rolled into one wrist-mount unit that seamlessly connects you to the boat unit.
These fully loaded dive computers do everything except dive for you
Follow these steps to care for your dive computers and dive watches, so these precision instruments provide you with long and reliable service over your dive career.


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We stayed here for two nights in search of the local oysters. The rooms and interior are well done and nicely appointed. The garden is lush and secluded, and a great place for breakfast. The hot tub was lovely for one night, but broken the second night. As is mentioned in other reviews, this place is close to town but... More
- Also Known As:
- Point Reyes Station Hotel Point Reyes Station
- Point Reyes Station Hotel
- Reservation Options:
- TripAdvisor is proud to partner with HostelWorld so you can book your Point Reyes Station Inn reservations with confidence. We help millions of travellers each month to find the perfect hotel for both holiday and business trips, always with the best discounts and special offers.


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To share this article: Enter the email address you want to send this article to in the field and click "Send"
It's less than a week until the opening night of NCAA Division I college basketball. Here's your guide to the upcoming season, starting with four big questions facing North Carolina's Atlantic Coast Conference teams.
Is the preseason hype a blessing or a curse?
N.C. State hasn't won an ACC title since 1987. The Wolfpack hasn't been in the preseason Associated Press poll since the fall of 2007. With the latter dry spell ending already this season - the Wolfpack is No. 6 in the AP's first poll - talk of putting an end to the other drought has hit a fever pitch. This buzz should be seen as a positive. After being overshadowed by their nearby rivals for years, the Wolfpack should welcome their status as a favorite. If N.C. State is serious about returning to its previous heights, it's going to have to learn to deal with pressure like this.
Was the loss to Lehigh a fluke?
Heading into last season's NCAA tournament, coach Mike Krzyzewski said it was "ridiculous" to pay any attention to Duke's poor defensive statistics. Lehigh guard C.J. McCollum then scored 30 points in a 75-70 upset of the Blue Devils, and Krzyzewski finally admitted this summer that Duke wasn't a good defensive team. That was the major weakness during a season in which the Blue Devils beefed up their RPI with notable wins against Michigan State, Michigan, Kansas and North Carolina, and they should be better at stopping opposing perimeter players with the addition of 6-foot-4 guard Rasheed Sulaimon and a pair of 6-foot-8 forwards (Alex Murphy, Amile Jefferson).
Are the Tar Heels looking at a repeat of 2010?
After UNC won the 2009 national championship, the Tar Heels welcomed five freshmen and endured a 20-17 season that ended with a loss in the NIT final. The 2012-13 team has added four freshmen to help offset the loss of four first-round draft picks, an overhaul that's causing many people to search for similarities to 2010. There was a disconnect between the veterans and young players that year, and it's easy to forget how much injuries to Tyler Zeller and Ed Davis affected the Tar Heels in ACC play. If freshman Marcus Paige isn't overwhelmed at point guard, UNC has enough talent on the wing and with James Michael McAdoo inside to avoid another disaster.
Is Bzdelik starting from scratch in Year 3?
Wake Forest coach Jeff Bzdelik will be leaning heavily on seven freshmen this season, so patience will be key. But with his first two seasons yielding just 21 wins - and only five in ACC play - whether or not there's any patience left at Wake Forest is a fair question. His tenure has been marked by losses, player defections and a drop in enthusiasm among a fan base that got used to being a factor in the ACC. While his team will be young, it will have to produce quickly or there may be big changes in Winston-Salem.
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57 min ago | The Spokesman-Review
Older workers face new setbacks - Mon, 09 Dec 2013 PST
"They ask if I have kids or grandkids," Blakeley, 53, said. "They won't ask you your birth date, but they'll ask when you graduated from high school."
Which Is the Only State That...
Should the government provide access to health care for everyone?
Leading in Central MA: Entrepreneur, Jacqueline Dube
Jacqueline is a master aesthetician, a licensed massage therapist and the owner of Jacqueline Jase Face and Body Center .
The X Factor: week nine, review + live discussion
Semi-final night on X Factor and that worrying odour wasn't the ghost of Simon Cowell's aftershave it was the reek of cold, jaw-clenched terror.
Bristol Post Health and Beauty
"Bedminster is lucky to have Karunavapi working there as a massage therapist. She is a caring professional who dedicates herself fully to helping others.
Finding Fitness: Gifts to start the new year right
The new year is right around the corner and so are those resolutions. Whether you're shopping for yourself or someone else, here's some great gear to stock a gym bag.
Manual Lymph Drainage to aid in Laminitis Treatment?
These e-mail addresses will only be used to send the article on your behalf. The information will not be used for any other purpose.
7 warm and cozy holiday spa treatments
From vinegar hair rinses to avocado face masks, the kitchen cabinets have long been a source for in-home beauty treatments.
CindySays: Gifts keep on giving through a healthier lifestyle
Hard to imagine, but here we are diving into holiday shopping while we are still digesting Thanksgiving leftovers.
8 Ways to Feel Rich on a Small Paycheck
At one point or another most have been there: trying to stretch a small paycheck around bills that only seem to get bigger.
Head and shoulders, ears and toes
My interpreter, Yanjiao Zhang, one day pointed out a clinic a few doors up the street from my hotel where I could get a foot massage for a reasonable price.
Bath 'hydro-therapy' options; whirlpool chromatherapy
Chromatherapy or "light therapy" is available on bubble-massage tubs, hot tubs, high-end custom shower stalls and whirlpool tubs.
Festive excess keeps eateries and spas busy
Business lunches are the order of the day this summer, as the corporate world celebrates Christmas in style - and a new luxury spa is getting ready for high-end customers who overdo it.
Roll out tense muscles, fitness experts suggest
We all suffer from tightness and soreness from time to time, especially when we exercise.
Bath Chronicle Health and Beauty
Thai, Swedish, Holistic, Hot Stones Massage and Reflexology at The Bath Practice in Monmouth Street and at Warminster Osteopathic Clinic.
How to Spend Your BigLaw Bonus
Greedy associates rejoice! It's that time of year when annual bonuses are announced, and hopefully, you're getting one.
Celebrate the season of giving with holiday specials at Spa Aquae
'Tis the season of giving, but let's be honest: it's also the season of stress! Spa Aquae inside the JW Marriott Las Vegas knows the holidays can be one of the most stressful times of the year, that's why it's rewarding those who are thinking about others with the gift of relaxation.
Elements Massage to open store in Maple Valley
Entrepreneurs Dawn and Wayne Wilkinson, owners of the new Elements Massage of Maple Valley, are on a mission to help area consumers experience the healing benefits of massage therapy services tailored to meet their unique needs.
Agreement gives Boreal massage grads Quebec certification
Graduates from College Boreal's massage therapy program now have the title of Accredited Massage Therapist in the province of Quebec thanks to an agreement with the Federation quebecoise des massotherapeutes .
McDonald's to workers: Don't forget to tip pool boy
Alex Robles joins dozens of sign-holding protesters at a rally against low wages for fast-food workers, in front of a McDonald's on Dec. 5, 2013, in Phoenix.
Celebrity trainer Gunnar Peterson discusses diet, exercise and massage
Celebrity fitness trainer Gunnar Peterson says a healthy diet, daily workouts, and regular massage therapy can accelerate weight loss, minimize training injuries, and promote optimal health.


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For ease of reference, here is a list of the Group Poems composed so far, including the first lines:
1. Cellular Blues (Sonnet)
They cut my mobile phone off yesterday
2. Chicken Thighs (Sonnet)
She loves me, so she feeds me chicken thighs
3. Blues for Mary (Sonnet)
She had a little lamb, its fleece was blue
4. Logophile's Delight (Poem using Goodwords)
A parsimonious use of words/By quiet sea-birds, Taci Terns
5. Ode to Doctor Goodword (Sonnet using Goodwords)
He's like a hurdy-gurdy's endless tune
6. In Praise of Christmas (Poem using 1-letter, 2-letter word etc in successive lines)
I write to laud the merry feast of Yule
7. Ode to Books (Poem using word ending in A, B, C etc in successive lines)
I have a mania for well-bound tomes
8. The Modern Age (Poem in 18th century style)
As sweet-faced Progress briskly wields her wand
9. The Apple Falls (Poem using anagrams in same line)
The genes that crawled prenatal from my parental tête-à-tête
10. Thanksgiving (Poem using Goodwords)
The sedulous and godly folk of yore
11. Joseph's Journey (Poem using words from a list of Christmas carols)
I did not want to go to Bethlehem
12. The Political Jungle (Poem using names of animals in a different sense)
The thought of party politics is difficult to bear
13. Love, Olympic Style (Poem using Olympic associations)
Your eyes are like the stars, my love, or an Olympic flame
14. The Ghost (Poem including words of 4 or more syllables)
While strolling through a graveyard on a moonless night
15. The Vote (Sonnet including words relating to Catholicism or Christianity)
And now it comes to this: we agèd clerics casting lots
16. The Camera (Poem including French words/phrases)
Technology has made us all blasé
17. Doppelgänger: A Poem of Sin and Synonyms (Poem including synonyms in adjacent lines)
I want to be forever good—until I want what's bad
List of Group Poems
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List of Group Poems
Last edited by Audiendus on Wed Sep 25, 2013 8:14 pm, edited 5 times in total.
- Audiendus
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Good Work!
I had no idea there had been so many here.
They should be published!
I had no idea there had been so many here.
They should be published!
-----please, draw me a sheep-----
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Pictures: Omaka Rocka at SeaWorld's Aquatica
Image 1 of 11
Omaka Rocka at Aquatica
A new water ride -- the Omaka Rocka -- now open at Aquatica, SeaWorld's water park. The ride is a funnel / half-pipe combo.
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This example shows how to compute the unilateral credit value (valuation) adjustment (CVA) for a bank holding a portfolio of vanilla interest rate swaps with several counterparties. CVA is the expected loss on an over-the-counter instrument or portfolio of instruments due to counterparty default. The CVA for a particular counterparty is defined as the sum over all points in time of the discounted expected exposure at each moment multiplied by the probability that the counterparty defaults at that moment, all multiplied by 1 minus the recovery rate. The CVA formula is:
Where R is the recovery, discEE the discounted expected exposure at time t, and PD the default probability distribution.
The expected exposure is computed by first simulating many future scenarios of risk factors for the given instrument or portfolio. Risk factors can be interest rates, as in this example, but will differ based on the portfolio and can include FX rates, equity or commodity prices, or anything that will affect the market value of the instruments. Once a sufficient set of scenarios has been simulated, the contract or portfolio can be priced on a series of future dates for each scenario. The result is a matrix, or "cube", of instrument values.
These prices are converted into exposures after taking into account collateral agreements that the bank might have in place as well as netting agreements, as in this example, where the values of several instruments may offset each other, lowering their total exposure.
The instrument values for each scenario are discounted to compute the discounted exposures. The discounted expected exposures can then be computed by a simple average of the discounted exposures at each simulation date.
Finally, counterparty default probabilities are typically derived from credit default swap (CDS) market quotes and the CVA for the counterparty can be computed according to the above formula. We assume that a counterparty default is independent of its exposure (no wrong-way risk).
For this example we will work with a portfolio of vanilla interest rate swaps with the goal of computing the CVA for a particular counterparty.
The portfolio of swaps is close to zero value at time t=0. Each swap is associated with a counterparty and may or may not be included in a netting agreement.
% Read swaps from spreadsheet swapFile = 'cva-swap-portfolio.xls'; swapData = dataset('XLSFile',swapFile,'Sheet','Swap Portfolio'); swaps = struct(... 'Counterparty',[],... 'NettingID',[],... 'Principal',[],... 'Maturity',[],... 'LegRate',[],... 'LegType',[],... 'LatestFloatingRate',[],... 'FloatingResetDates',[]); swaps.Counterparty = swapData.CounterpartyID; swaps.NettingID = swapData.NettingID; swaps.Principal = swapData.Principal; swaps.Maturity = swapData.Maturity; swaps.LegType = [swapData.LegType ~swapData.LegType]; swaps.LegRate = [swapData.LegRateReceiving swapData.LegRatePaying]; swaps.LatestFloatingRate = swapData.LatestFloatingRate; swaps.Period = swapData.Period; swaps.LegReset = ones(size(swaps.LegType)); numSwaps = numel(swaps.Counterparty); numCounterparties = max(swaps.Counterparty);
Create RateSpec from the Interest Rate Curve
Settle = datenum('14-Dec-2007'); Tenor = [3 6 12 5*12 7*12 10*12 20*12 30*12]'; ZeroRates = [0.033 0.034 0.035 0.040 0.042 0.044 0.048 0.0475]'; ZeroDates = datemnth(Settle,Tenor); Compounding = 2; Basis = 0; RateSpec = intenvset('StartDates', Settle,'EndDates', ZeroDates,... 'Rates', ZeroRates,'Compounding',Compounding,'Basis',Basis); % Create an IRCurve object. We will use this for computing instantaneous % forward rates during the calculation of the Hull-White short rate path. RateCurveObj = IRDataCurve('Zero',Settle,ZeroDates,ZeroRates,... 'Compounding', Compounding,'Basis', Basis); figure; plot(ZeroDates, ZeroRates, 'o-'); xlabel('Date'); datetick('keeplimits'); ylabel('Zero rate'); grid on; title('Yield Curve at Settle Date');
Set Changable Simulation Parameters
We can vary here the number of simulated interest rate scenarios we generate. We set our simulation dates to be more frequent at first, then turning less frequent further in the future.
% Number of Monte Carlo simulations numScenarios = 1000; % Compute monthly simulation dates, then quarterly dates later. simulationDates = datemnth(Settle,0:12); simulationDates = [simulationDates datemnth(simulationDates(end),3:3:74)]'; numDates = numel(simulationDates);
For each simulation date, we compute previous floating reset date for each swap.
floatDates = cfdates(Settle-360,swaps.Maturity,swaps.Period); swaps.FloatingResetDates = zeros(numSwaps,numDates); for i = numDates:-1:1 thisDate = simulationDates(i); floatDates(floatDates > thisDate) = 0; swaps.FloatingResetDates(:,i) = max(floatDates,[],2); end
Setup Hull-White Single Factor Model
The risk factor we will simulate to value our instruments is the zero curve. For this example we will model the interest rate term structure using the one-factor Hull-White model. This is a model of the short rate and is defined as:
: Change in the short rate after a small change in time,
: Mean reversion rate
: Volatility of the short rate
: A Weiner process (a standard normal process)
: Drift function defined as:
: Instantaneous forward rate at time
: Partial derivative of with respect to time
Once we have simulated a path of the short rate we generate a full yield curve at each simulation date using the formula:
: Zero rate at time for a period of
: Price of a zero coupon bond at time that pays one dollar at time
Each scenario contains the full term structure moving forward through time, modeled at each of our selected simulation dates.
Refer to "Calibrating the Hull-White Model Using Market Data" example in the Financial Instruments Toolbox™ Users' Guide for more details on Hull-White one-factor model calibration.
Alpha = 0.2; Sigma = 0.015; r0 = RateCurveObj.getZeroRates(Settle+1,'Compounding',-1); t0 = Settle; % Construct SDE object FwdRates = RateCurveObj.getForwardRates(t0+1:max(swaps.Maturity),'Compounding',-1); hullwhite1 = hwv(Alpha,@(t,x) hw1LevelFun(t0,t,FwdRates,Alpha,Sigma),... Sigma,'StartState',r0) %#ok<NOPTS> % Store all model calibration information calibration.RateCurveObj = RateCurveObj; calibration.Tenor = Tenor; calibration.ShortRateModel = hullwhite1; calibration.Alpha = Alpha; calibration.Sigma = Sigma;
hullwhite1 = Class HWV: Hull-White/Vasicek ---------------------------------------- Dimensions: State = 1, Brownian = 1 ---------------------------------------- StartTime: 0 StartState: 0.0317681 Correlation: 1 Drift: drift rate function F(t,X(t)) Diffusion: diffusion rate function G(t,X(t)) Simulation: simulation method/function simByEuler Sigma: 0.015 Level: function @(t,x)hw1LevelFun(t0,t,FwdRates,Alpha,Sigma) Speed: 0.2
For each scenario, we simulate the future interest rate curve at each valuation date using the Hull-White one-factor interest rate model.
% Use reproducible random number generator (vary the seed to produce % different random scenarios). prevRNG = rng(0); % Compute interest rate scenarios are their respective discount factors [scenarios, dfactors] = hgenerateScenario(calibration,simulationDates,numScenarios); % Restore random number generator state rng(prevRNG);
Create a surface plot of the yield curve evolution for a particular scenario.
i = 20; figure; surf(Tenor, simulationDates, scenarios(:,:,i)) axis tight datetick('y','mmmyy'); xlabel('Tenor (Months)'); ylabel('Observation Date'); zlabel('Rates'); set(gca,'View',[-49 32]); title(sprintf('Scenario %d Yield Curve Evolution\n',i));
Compute Mark to Market Swap Prices
For each scenario the swap portfolio is priced at each future simulation date. Prices are computed using a price approximation function, hswapapprox. It is common in CVA applications to use simplified approximation functions when pricing instruments due to the performance requirements of these Monte Carlo simulations.
Since the simulation dates do not correspond to the swaps cash flow dates (where the floating rates are reset) we estimate the latest floating rate with the 1-year rate (all swaps have period 1 year) interpolated between the nearest simulated rate curves.
The swap prices are then aggregated into a "cube" of values which contains all future instrument values at each simulation date for each scenario. The resulting cube of instrument prices is a 3 dimensional matrix where each row represents a simulation date, each column an instrument, and each "page" a different simulated scenario.
% Compute all mark-to-market values for this scenario. We use an % approximation function here to improve performance. values = hcomputeMTMValues(swaps,simulationDates,scenarios,Tenor);
Create a plot of the evolution of all swap prices for a particular scenario.
i = 32; figure; plot(simulationDates, values(:,:,i)); datetick; ylabel('Mark-To-Market Price'); title(sprintf('Swap prices along scenario %d', i));
Visualize Simulated Portfolio Values
We plot the total portfolio value for each scenario of our simulation. As each scenario moves forward in time the values of the instruments will move up or down depending on how the modeled interest rate term structure changes. As the swaps get closer to maturity, their values will begin to approach zero since the aggregate value of all remaining cash flows will decrease after each cash flow date.
% View portfolio value over time figure; totalPortValues = squeeze(sum(values, 2)); plot(simulationDates,totalPortValues); title('Total MTM Portfolio Value for All Scenarios'); datetick('x','mmmyy') ylabel('Portfolio Value ($)') xlabel('Simulation Dates')
Compute Exposure by Counterparty
The exposure of a particular contract (i) at time t is the maximum of the contract value (Vi) and 0:
And the exposure for a particular counterparty is simply a sum of the individual contract exposures:
In the presence of netting agreements, however, contracts are aggregated together and can offset each other. Therefore the total exposure of all instruments in a netting agreement is:
We compute these exposures for each counterparty at each simulation date.
Additive exposure is computed at the netting set level. Exposure of an unnetted instrument is equal to the market value of the instrument if the instrument has positive value, otherwise it is zero.
Instruments included in a netting agreement have exposure equal to their value (positive or negative) when the netting agreement has a positive aggregate value, otherwise their exposure is zero. A contract in a netting agreement can have a negative additive exposure, meaning its negative market value reduces the overall netting set exposure. See references for more details.
instrument_exposures = zeros(size(values)); unnettedIdx = swaps.NettingID == 0; instrument_exposures(:,unnettedIdx,:) = max(values(:,unnettedIdx,:),0); % We compute exposures per netting agreement, but in this case each % counterparty has only a single netting agreement. for i = 1:numCounterparties nettedIdx = swaps.NettingID == i; numInst = sum(nettedIdx); % Exposures for instruments under netting agreements nettingSetValues = values(:,nettedIdx,:); nettedExposure = max(sum(nettingSetValues,2),0); positiveIdx = repmat(nettedExposure > 0,[1 numInst]); % Individual instrument contributions to netting set exposure instrument_exposures(:,nettedIdx,:) = nettingSetValues .* positiveIdx; end % Sum the instrument exposures for each counterparty exposures = zeros(numDates,numCounterparties,numScenarios); for i = 1:numCounterparties cpSwapIdx = swaps.Counterparty == i; exposures(:,i,:) = sum(instrument_exposures(:,cpSwapIdx,:),2); end
We plot the total portfolio exposure for each scenario in our simulation. Similar to the plot of instrument values, the exposures for each scenario will approach zero as the swaps mature.
% View portfolio exposure over time figure; totalPortExposure = squeeze(sum(exposures,2)); plot(simulationDates,totalPortExposure); title('Portfolio Exposure for All Scenarios'); datetick('x','mmmyy') ylabel('Exposure ($)') xlabel('Simulation Dates')
Several exposure profiles are useful when analyzing the potential future exposure of a bank to a counterparty. Here we compute several (non-discounted) exposure profiles per counterparty as well as for the entire portfolio.
PE : Peak Exposure : A high percentile (95%) of the distribution of exposures at any particular future date. Also called Potential Future Exposure (PFE).
MPE : Maximum Peak Exposure : The maximum peak exposure across all dates
EE : Expected Exposure : The mean (average) of the distribution of exposures at each date
EPE : Expected Positive Exposure : Weighted average over time of the expected exposure
EffEE : Effective Expected Exposure : The maximum expected exposure at any time, t, or previous time
EffEPE : Effective Expected Positive Exposure : The weighted average of the effective expected exposure
For further definitions, see for example Basel II document in references.
% Compute entire portfolio exposure expPort = squeeze(sum(exposures,2)); % Peak Exposure (same as Potential Future Exposure) PEcp = prctile(exposures,95,3); PEport = prctile(expPort,95,2); % Maximum Peak Exposure MPEcp = max(PEcp); MPEport = max(PEport); % Expected Exposure EEcp = mean(exposures,3); EEport = mean(expPort,2); % Expected Positive Exposure: Weighted average over time of EE % * In continuous time, this is the average expected exposures over time, % an integral of EE(t) over the time interval, divided by the length of % the interval % * Compute using a "trapezoidal" approach here simTimeInterval = yearfrac(Settle, simulationDates, 1); simTotalTime = simTimeInterval(end)-simTimeInterval(1); EPEcp = 0.5*(EEcp(1:end-1,:)+EEcp(2:end,:))' * diff(simTimeInterval)/simTotalTime; EPEport = 0.5*(EEport(1:end-1)+EEport(2:end))' * diff(simTimeInterval)/simTotalTime; % Effective Expected Exposure: Max EE up to time simTimeInterval EffEEcp = zeros(size(EEcp)); for i = 1:size(EEcp,2) % Compute cumulative maximum m = EEcp(1,i); for j = 1:numel(simulationDates) if EEcp(j,i) > m m = EEcp(j,i); end EffEEcp(j,i) = m; end end % Compute cumulative maximum for portfolio EffEEport = zeros(size(EEport)); m = EEport(1); for i = 1:numel(simulationDates) if EEport(i) > m m = EEport(i); end EffEEport(i) = m; end % Effective Expected Positive Exposure: Weighted average over time of EffEE EffEPEcp = 0.5*(EffEEcp(1:end-1,:)+EffEEcp(2:end,:))' * diff(simTimeInterval)/simTotalTime; EffEPEport = 0.5*(EffEEport(1:end-1)+EffEEport(2:end))' * diff(simTimeInterval)/simTotalTime;
We visualize the exposure profiles, first for the entire portfolio, then for a particular counterparty.
% Visualize portfolio exposure profiles figure; plot(simulationDates,PEport,... simulationDates,MPEport*ones(size(PEport)),... simulationDates,EEport,... simulationDates,EPEport*ones(size(PEport)),... simulationDates,EffEEport,... simulationDates,EffEPEport*ones(size(PEport))) legend({'Peak Exposure (PE95%)','Max Peak Exposure (MPE95%)',... 'Exp Exposure (EE)','Time-Avg EE (EPE)','Max past EE (EffEE)','Time-Avg EffEE (EffEPE)'}) datetick('x','mmmyy') title('Portfolio Exposure Profiles'); ylabel('Exposure ($)') xlabel('Simulation Dates')
Visualize exposure profiles for a particular counterparty
cpIdx = 5; figure; plot(simulationDates,PEcp(:,cpIdx),... simulationDates,MPEcp(cpIdx)*ones(size(PEcp(:,cpIdx))),... simulationDates,EEcp(:,cpIdx),... simulationDates,EPEcp(cpIdx)*ones(size(PEcp(:,cpIdx))),... simulationDates,EffEEcp(:,cpIdx),... simulationDates,EffEPEcp(cpIdx)*ones(size(PEcp(:,cpIdx)))) legend({'Peak Exposure (PE95%)','Max Peak Exposure (MPE95%)',... 'Exp Exposure (EE)','Time-Avg EE (EPE)','Max past EE (EffEE)','Time-Avg EffEE (EffEPE)'}) datetick('x','mmmyy','keeplimits') title(sprintf('Counterparty %d Exposure Profiles',cpIdx)); ylabel('Exposure ($)') xlabel('Simulation Dates')
We compute the discounted expected exposures using the discount factors from each simulated interest rate scenario. The discount factor for a given valuation date in a given scenario is the product of the incremental discount factors from one simulation date to the next, along the interest rate path of that scenario.
% Get discounted exposures per counterparty, for each scenario discExp = zeros(size(exposures)); for i = 1:numScenarios discExp(:,:,i) = bsxfun(@times,dfactors(:,i),exposures(:,:,i)); end % Discounted expected exposure discEE = mean(discExp,3);
We plot the discounted expected exposures for the aggregate portfolio as well as for each counterparty.
% Portfolio discounted EE figure; plot(simulationDates,sum(discEE,2)) datetick('x','mmmyy','keeplimits') title('Discounted Expected Exposure for Portfolio'); ylabel('Discounted Exposure ($)') xlabel('Simulation Dates') % Counterparty discounted EE figure; plot(simulationDates,discEE) datetick('x','mmmyy','keeplimits') title('Discounted Expected Exposure for Each Counterparty'); ylabel('Discounted Exposure ($)') xlabel('Simulation Dates')
Calibrating Probability of Default Curve for Each Counterparty
The default probability for a given counterparty is implied by the current market spreads of the counterparty's CDS. We use the function cdsbootstrap to generate the cumulative probability of default at each simulation date.
% Import CDS market information for each counterparty CDS = dataset('XLSfile',swapFile,'Sheet','CDS Spreads') %#ok<NOPTS> CDSDates = datenum(CDS.Date); CDSSpreads = double(CDS(:,2:end)); ZeroData = [RateSpec.EndDates RateSpec.Rates]; % Calibrate default probabilities for each counterparty DefProb = zeros(length(simulationDates), size(CDSSpreads,2)); for i = 1:size(DefProb,2) probData = cdsbootstrap(ZeroData, [CDSDates CDSSpreads(:,i)],... Settle, 'probDates', simulationDates); DefProb(:,i) = probData(:,2); end % We plot of the cumulative probability of default for each counterparty. figure; plot(simulationDates,DefProb) title('Default Probability Curve for Each Counterparty'); xlabel('Date'); grid on; ylabel('Cumulative Probability') datetick('x','mmmyy') ylabel('Probability of Default') xlabel('Simulation Dates')
CDS = Date cp1 cp2 cp3 cp4 cp5 '3/20/2008' 140 85 115 170 140 '3/20/2009' 185 120 150 205 175 '3/20/2010' 215 170 195 245 210 '3/20/2011' 275 215 240 285 265 '3/20/2012' 340 255 290 320 310
The Credit Value (Valuation) Adjustment (CVA) formula is:
Where R is the recovery, discEE the discounted expected exposure at time t, and PD the default probability distribution. This assumes the exposure is independent of default (no wrong-way risk), and it also assumes the exposures were obtained using risk-neutral probabilities.
Here we approximate the integral with a finite sum over the valuation dates as:
where t_1 is todays date, t_2,...,t_n the future valuation dates.
We assume CDS info corresponds to counterparty with index cpIdx. The computed CVA is the present market value of our credit exposure to counterparty cpIdx. For this example we set the recovery rate at 40%.
Recovery = 0.4; CVA = (1-Recovery) * sum(discEE(2:end,:) .* diff(DefProb)); for i = 1:numel(CVA) fprintf('CVA for counterparty %d = $%.2f\n',i,CVA(i)); end figure; bar(CVA); title('CVA for each counterparty'); xlabel('Counterparty'); ylabel('CVA $'); grid on;
CVA for counterparty 1 = $2225.23 CVA for counterparty 2 = $2431.85 CVA for counterparty 3 = $929.50 CVA for counterparty 4 = $5064.17 CVA for counterparty 5 = $5803.35
Pykhtin, Michael, and Steven Zhu, A Guide to Modelling Counterparty Credit Risk, GARP, July/August 2007, issue 37, pp. 16-22.
Pykhtin, Michael, and Dan Rosen, Pricing Counterparty Risk at the Trade Level and CVA, 2010.
Basel II: http://www.bis.org/publ/bcbs128.pdf page 256


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Hang tight!
Recipe by Jif®
"This delicious carrot cake with pineapple, coconut and walnuts is topped with a peanutty cream cheese frosting and a pretty peanut butter design."
Watch video tips and tricks
CRISCO® No-Stick Cooking Spray
2 cups Pillsbury BEST® All Purpose Flour
1 teaspoon baking soda
1/4 teaspoon salt
1 teaspoon cinnamon
3/4 cup CRISCO® Pure Vegetable Oil
1 cup JIF® Creamy Peanut Butter
1 cup sugar
3 large eggs
1/4 cup milk
2 cups shredded carrots
1/2 cup finely chopped walnuts
1/2 cup sweetened coconut
1 (8 ounce) can crushed pineapple, undrained
1 (16 ounce) container Pillsbury® Creamy Supreme Cream Cheese Frosting
1/3 cup JIF® Creamy Peanut Butter
3 tablespoons JIF® Creamy Peanut Butter
Cake is nice and fluffy, frosting is addictive. I do miss a little more spiciness and more density. Cake is not dry, but just very light and soft. It just was not what I typically expect in carrot cake. Next time I would like to use natural peanut better instead of Jif or Skippy, and also pineapple chunks, rather than crushed pineapple.
this was my first try ever at carrot cake and it was PHENOMENAL. both my family and my boyfriend's family absolutely raved over it. the frosting and drizzle topped if off quite nicely. also, based off the previous review, i used chunked pineapple instead of crushed and added an extra egg.
2 Ratings
* Percent Daily Values are based on a 2,000 calorie diet.
Peanutty Pineapple Carrot Cake with Peanut Butter Frosting
Serving Size: 1/15 of a recipe Servings Per Recipe: 15 Amount Per Serving Calories: 589 Calories from Fat: 315
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This carrot cake is dense and delicious, a real crowd-pleaser.


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- January 20, 2013
- 12:07 p.m.
- Suggest removal
- Reply to this post
new_skool91 writes:
in response to Blak:
I was thinking about doing just this about a month ago. It's a trend that's catching on. I am thinking of buying a plot of land just for a couple of these homes.
They would be absolutely ideal for a young couple or someone starting over from a bankruptcy or wanting to save money and needing a super cheap place to stay.
Someone who doesn't want to spend $600+ monthly on an apartment and who wants to save that money for a downpayment on a real home.
I absolutely abhor apartments. Unless one has a specific need for one property in Memphis is cheap enough to save for a little bit on your own place.
And doggone it.. This guy beat me to it!
He has guts though because I was wondering how the folks in Memphis would take such an idea. I'm encouraged by the comments!
That's a great idea.
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text:
Yale University: Suppression of Pro-War Speech
Campus administrators reversed course on their removal of a sign, which read "Kill 'em all, Let God sort 'em out," after some officials believed it to be offensive to Muslims and South Asians. One counselor noted that while he believed in free speech, the banner could be hostile to ethnic minorities. Shortly after two op-eds in the Yale Daily News spoke out against the censorship effort, Yale administrators admitted the situation could have been handled in a more proper manner, and reiterated their support for freedom of speech. According to the Yale Daily News, Dean Richard Brodhead said freedom of expression is an important principle to uphold. "When we allow the suppression of speech in cases when it is found objectionable, we implicitly authorize restrictions that could harm free expression on other occasions," Brodhead said. "The right thing would have been to explain why the banner was objectionable and to leave its author to decide: in other words, to have made this an occasion for persuasion and education, not for censorship however well-intended."
- "Students Censored at Yale," November 9, 2001: Violating not only the spirit, but even the letter of Yale's policies on free speech, officials removed a political banner about the September 11 terrorist attacks. Dean of Student Affairs Betty Trachtenberg implied that sanctions could follow.
Case Materials
- "Administrators: protecting free speech is top goal,"
by Martha Fulford, Yale Daily News, November 13, 2001 - "University should encourage offensive views,"
by Jowei Chen, Yale Daily News, November 1, 2001 - "Students should expect better judgment from freshman counselors,"
by Seth Schlessinger, Yale Daily News, November 1, 2001 - "Hate sign removed from Durfee Hall,"
by Naomi Massave, Yale Daily News, October 30, 2001 - "Tasteless Talk and Terrorism; Free Speech Even Applies to Attacks on Apple Pie,"
by Suzanne Fields, The Washington Times, October 4, 2001


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Dolce Vita
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EU: 25/50 of 103
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EU ministers to ban wasteful practice of discarding fish at sea
Fiona Harvey, guardian environment correspondent
1st March, 2011
Reform is expected for the fishing quotas system which requires fishermen to throw away large amounts of their catch more...Arcola theatre: on a mission to be the world's first carbon neutral theatre
Laura Laker
24th February, 2011
Arcola theatre has made its name with cutting-edge artistic productions while insisting its carbon footprint be as low as possible more...Ecomodo: the lending website that's sharing the wealth
Laura Laker
27th December, 2010
Why buy when you can borrow? From tools to skills, new social enterprise Ecomodo allows community members to borrow what they need from each other more...The Ecologist December 1970: The con in conservation
Vi Nguyen
7th December, 2010
Forty years ago this month, Robert Allen wrote about the 'European Con Year' - the year environmental conservation practices were bleakmore...
CAMPAIGN PROFILE: Health and Environment Alliance (HEAL)
Matilda Lee
1st December, 2010
From asthma and allergies, diabetes and reproductive problems to cancer and obesity, environmental degradation plays a role... HEAL ensures our voices on these issues are heard in Brussels more...Ecologist guide to a green Christmas
Jemima Roberts, Eifion Rees and Matilda Lee
1st November, 2010
From Darina Allen's mountain picnics to Mark Boyle's moneyless meditations and Craig Sams decorating with fungi, 11 environment-minded luminaries tell us what they'll be doing this festive season more...Ecologist guide to a green Christmas
Jemima Roberts, Eifion Rees and Matilda Lee
1st November, 2010
From Darina Allen's mountain picnics, to Mark Boyle's moneyless meditations and Craig Sams decorating with fungi, 11 environment-minded luminaries tell us what they'll be doing this festive season more...Art for the Amazon: Natural History Museum uses art to tackle eco-crisis
Sam Phillips
12th October, 2010
A new exhibition draws inspiration from the plight of the Amazon and uses artwork to suggest and inspire creative solutions to an impending environmental catastrophe more...Starting a business has never been so liberating...
Tom Hodgkinson
25 August 2010
Find the hidden entrepreneur in you to free yourself from slavery to corporate and state authority, says Tom Hodgkinson more...Commonly prescribed drugs linked to shrimp population decline
7th June, 2010
Study finds that antidepressants in waste water flowing into rivers and estuaries can make coastal marine shrimps more susceptible to predators more...Having both emissions trading and feed-in tariffs is a waste of time
Dan Box
12th March, 2010
The new feed-in tariffs are nothing if not controversial, but they also run the risk of conflicting with other, international, climate change policies more...The Soup Book
Sophie Grigson, Jeanette Orrey, Eric Treuille
29th December, 2009
Wholesome, seasonal, frugal, simple, fresh, homegrown and hardy...The Soil Association Soup Book's recipes are sure to delight all. Read on for some tasty recipes more...
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Basket weaving for the 21st Century
Matilda Lee
8th October, 2009
It's an ancient craft using renewable resources with sustainable techniques. But that doesn't mean it can't be damned sexy, as Mary Butcher shows more...Habitats report shows sorry state of EU biodiversity
14th July, 2009
A report by the European Commission shows that habitat and wildlife protection targets across Europe will be missed, with nine out of 10 UK habitats found to be in 'unfavourable' condition more...Turkish dam project scrapped, but pipeline gets go-ahead
13th July, 2009
Turkey's plans for a hydroelectric dam on the Tigris have been scrapped as Europe withdraws funds for a failure to meet environmental obligations, while plans for the trans-Europe Nabucco gas pipeline are ratified more...Wales consults on tighter GM contamination laws
7th July, 2009
A consultation by the Welsh Assembly Government proposes more stringent measures to protect Wales's farmers from the threat of cross-contamination by GM crops more...Reusable packaging in the UK: cost the major factor
Eifion Rees
29th June, 2009
When it comes to reusable packaging and the environment, consumers are keen to do the right thing, but it seems sparking a refill revolution in Great Britain means getting the price right first more...EU approves 'stepping stone' legislation for cloned meat
24th June, 2009
European Union ministers have given an initial thumbs-up to the Novel Foods Regulation, a draft proposal that could lead to meat from cloned animals entering the human food chain more...Finland's safety fears over next-generation nuclear reactor
19th June, 2009
Safety concerns may halt construction of a new nuclear facility in Finland, posing questions about the viability of the next generation of European Pressurised Reactors destined for the UK more...European elections - will Brussels go Green?
Joss Garman
3rd June, 2009
It probably isn't too much of an exaggeration to suggest that most people are hard pushed to name a politician they really admire. In Britain, however, one name will come up time and again. more...EU Parliament and the European Food Safety Agency to tighten up regulations on nanotechnology
15th April, 2009
Green campaigners have welcomed moves by the European Parliament to introduce new rules on nanomaterials in cosmetics. more...Animal Testing: Science or Fiction?
Kathy Archibald
24th March, 2009
MPs, medical professionals and scientists unite in demanding a thorough evaluation of the utility of vivisection. By Kathy Archibald, Science Director of Europeans for Medical Progress more...The Flu Vaccine... A Shot in the Dark?
Pat Thomas
18th February, 2009
If we truly knew about flu, and the lack of effectiveness of the vaccine being offered as protection, would we really be so obedient about getting the jab? more...Cause For Concern
Jeffrey M Smith
17th February, 2009
The European Commission has just cleared Monsanto's GM maize for use in the EU. Yet, as Jeffrey M Smith reveals, proper analysis of tests done to gain that approval suggest it should never have been given more...Behind the label: Tainted love
Pat Thomas
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Love doesn't have to be a dirty business – unless, of course... This Valentine's Day Pat Thomas makes a heartfelt plea for a little non-toxic lovin' more...ECOLOGIST COOKIES
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Saturday November 23, 2013 to Thursday December 19, 2013
11th Annual Holiday Gift Show continues through Dec. 19 and offers handmade gifts and items for the holidays at Featherstone in Oak Bluffs.
Friday November 29, 2013 to Friday December 20, 2013
Santa Sweepstakes in conjunction with holiday shopping through Dec. 20 in Oak Bluffs. Enter raffle to win gift certificates from participating stores. Drawing held Dec.
Saturday November 30, 2013
Small Business Saturday supports local small businesses on Main street in Edgartown. Shoppers encouraged to buy local at the start of the holiday season.
Saturday November 30, 2013
Antiques Show is from 9 a.m. to 3 p.m. at the Grange Hall in West Tisbury. Free parking and admission. Call 508-560-0136 or 508-693-7006.
Saturday November 30, 2013
17th Annual Thanksgiving Artisans Festival is large holiday art show by Islanders featuring one of a kind items. From 10 a.m. to 4 p.m. Nov. 29 and 30 at the Agricultural Hall in West Tisbury.
Saturday November 30, 2013
Open Studio titled Beauty from the Sea with wampum jewelry and beads is from 10 a.m. to 5 p.m. at Joan LeLacheur's studio at 42 Old South Road in Aquinnah. Call 508-645-9954.
Saturday November 30, 2013
Trunk Show featuring work by Enid McEvoy, Deanna deVries and Leslie Myers. Light fare and wares. Begins at 10 a.m. at State Road Restaurant in West Tisbury. Call 508-693-8582.
Saturday Ceramics for Children ages 7 to 12 with Nancy Blank. Cost is $30. From 10 a.m. to noon at Featherstone.
Saturday November 30, 2013
Kids Workshop: Creating Historic Kaleidoscopes is from 10 to 11 a.m. at the Martha's Vineyard Museum in Edgartown.
Game On offers chess and board games for kids of all ages at 10:30 a.m. at the Oak Bluffs library. Call 508-693-9433 or visit oakbluffslibrary.org.


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Back To School Gifts for Women
Gift Buzz
They�ve got spirit, yes they do! These enthusiastic grads cheered for their team at every game and always rallied the crowd to join in. They live in their school colors�sporting tees, caps and mascot covered gear. Help keep the spirit alive... Read More »
Give Aries a gift that will inspire them to try something new or appeal to their daring side like skydiving or race car driving. They�re natural entrepreneurs so a gift that helps advance their business will be well-received too. And endlessly... Read More »
It's time to start gearing up for the back to school season! Though teens are past the age of caring about a new lunch box or pair of Mary Jane shoes, they still get butterflies about starting the new school year, and they still need supplies... Read More »
Cancerians are known to be compassionate and caring with friends and family members. They can appear hard and insensitive on the outside but on the inside they are little teddy bears which makes them very special! If you live with someone... Read More »
Hand-pickedBack To School Gifts
At Gifts.com, we hand-pick all gift ideas for women in the Back To School category based on their high quality, popularity and many more factors. View great back to school ideas for women from the best stores online to quickly find the perfect gift ideas.
The holiday season is here and we've got great Christmas gifts to help you get a head start on your shopping. Find gift ideas for everyone on your list including great stocking stuffers, holiday gift baskets, gourmet foods and more. |


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satellite radio
Satellite radio, also called subscription radio (SR) or digital radio is a satellite-based radio broadcast service. It uses direct broadcasting satellites (DBS) a type of satellite used for consumer services such as radio and television programs. A direct broadcasting satellite is similar to a fixed service satellite (FSS), but offers a higher power output requiring smaller antennas for receiving the signal.
Satellite radios are most commonly used by consumers in automobiles as it offers better sound quality and more station programming choices over traditional AM and FM radio. The two most notable satellite radio providers include Sirius and XM. The two companies merged in 2007 to create a single satellite radio network in the United States and Canada. In the United States, satellite radio providers are licensed by the Federal Communications Commission.
Consumers typically pay for Satellite radio programming on a monthly subscription basis.


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6 Meetup Groups match "Holistic Health" near North Yarmouth, ME
Whether you're an experienced raw foodie, or simply curious about how raw and living foods can create more energy and health in your life, Raw Maine is a place to connect. We welcome raw foodists of all varieties - from 100% to whatever %, vegans, "beegans", or raw dairy enthusiasts! We are a dogma-free zone: let's share what works for us and appreciate the diversity of what works for others. This group strives to have a monthly raw vegan potluck (to include everyone!). We will also bring in gue …
There are no upcoming Meetups.
The Art of Living breathing and meditation meetup group utilize breathwork, sukshma yoga, meditation and knowledge to eliminate stress. Come to an hour meetup to learn some powerful stress elimination techniques.
Do you want a place where you can discuss your deepest feelings about yourself and the society we live in, in a supportive atmosphere? Many times, the culture we live in frowns upon sharing emotions, problems, anything that's really on our minds. We're expected to put up a front of "Everything's okay" all the time. But this just creates social isolation. The more isolated we are from each other, the more chance depression and anxiety have to breed. I am starting this group because I am not satis …
Meetup details are available only to members.
Come Laugh with us! Certified Laughter Yoga Leader Amanda Walden will lead you through an invigorating and fun session of laughter yoga! You don't have to be in a good mood or have a sense of humor. You only need a willingness to laugh for no reason! Please also enjoy listings from Certified Laughter Yoga Leaders Denise Marcaronas and Lisa Silverman for their classes listed below. These 1 hour sessions promise to leave you feeling less stressed, more grounded, and healthier physically and men …
There are no upcoming Meetups.
Those of us in the healing professions are lots of fun! We're interesting, creative lifelong learners who like to connect with people...and we spend a lot of time alone. Many of us spend our days one-on-one with clients (and one-on-one with our computers)...and even the most introverted among us eventually needs a bit of human interaction. So this is a social group for coaches, therapists, bodyworkers, medical professionals, etc. Let's just hang out, make friends, and enjoy ourselves!
There are no upcoming Meetups.
Vegetarian Cooking with Stephanie Rand In 1.5 hours we'll prepare, cook and eat a delicious vegetarian meal in a restaurant kitchen. This class is not only for vegetarians, it's for anyone who is interested in learning how to prepare vegetables so that even the pickiest eater will enjoy them. Learn how to save time and money at home with these skills and meet like minded people who share a passion for cooking and eating.
Get an alert email when new Meetup Groups like this start near you.
You'll get advice, help finding members, and tools to make running a Meetup Group easier.


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Hey guys. Today I'm going to teach you how to create a useful hover-based user interface using jQuery, CSS3, HTML5 and @font-face. Why a hover-based interface? you might ask. Well, with the popularity of touch-based web applications simplifying the way that people can use sites on mobile devices, I think that there's room for us to look into ways of making it even easier for people to use sites in desktop-based browsers too. Today's project,WanderWall, achieves that and what we'll be creating today could easily be used for a portfolio or business site but the concepts you'll learn could certainly be used to expand the idea further.
If you'd like to check out a demo before we get started, feel free to check out one of three available below.
you can also watch a screencast about WanderWall here.
What is a Hover-Based Interface?
A hover-based interface is one where the majority (or all) of the user interaction on the page can be controlled by a user hovering over an element with their cursor. Hover-based interfaces require less work to see more content than a typical click based page, but do need some thought to be put into their design and structure so that the user knows how to navigate around. WanderWall uses a hover-based interface. Some might ask, well, mobile device's don't necessarily support the hover-over state, so should we really consider using them?.
I think the answer to this is definitely a firm yes. If you look at a number of the most popular site's out there, they actually have two versions of their site available – one used for desktop browsers (full layout) and another which is optimized for mobile (touch focused). I think that hover UIs are certainly something we could consider for the former, but we of course would evaluate suitability on a site by site basis. I'm not saying that every site out there should adopt the concept, but there are cases where it would make navigation a quicker experience for users.
Why Is WanderWall useful?
That's a very good question. I'm going to use a portfolio site as an example here as they tend to contain fewer pages. Even on a standard portfolio site, users typically have to click through a few different links to browse through the site (or 'page' if it's a one-page portfolio with anchor text). This only gets compounded as the sites you're looking at grow larger. There's nothing wrong with clicking par-se (it's successfully worked as an action for years), but consider that users in general are lazy (I include myself in this group) – anything you can do to decrease the amount of work they have to do to look around your site will mean that they're able to view your content more quickly.
What does this mean for you? Well if it's a portfolio site, it may just mean more requests for work if you've been able to get the visitor's interest before they got bored of clicking. Obviously this all depends on the quality of content etc as well, but if your average visitor spends less than 2 minutes on your page, who is going to have to work 'less' to see your material – the person that clicks or the person that hovers?.
How Does WanderWall work?
WanderWall is composed of two key components that interact with each other. Before we get started I should mention that for my demos I have included a background-image containing multiple parts to it (a pseudo-sprite) used in the header. We shall refer to this as the header-wallpaper. The components (without mentioning styling) are as follows:
1. Header-Slider: When a user hovers over one of the 'frames' (links) in the header, this animates down to a position in the header-wallpaper with a unique background specific to that particular link. Once the header-wallpaper has been rendered, text specific to that section then fades in – essentially a subtitle or tagline for that page.
2. Page-Slider: At the same time that the user has hovered over a link in the header-slider, a corresponding 'page' element slides into view (this is basically a div container which may contain text, images, video – any HTML content at all).
When a user hovers away from a particular link, the last page that they were looking at remains in view. The reason for this is that if there is further content on the page you may wish them to be able to hover-over on, scroll-down or click, they are able to do so.
How does WanderWall make use of CSS3, @font-face and HTML5?
CSS3 is used for the styling and design in WanderWall and assists with text-indentation, background-gradients and rotation. With the exception of my optional background-image, this allows the project to be relatively compact without sacrificing on design and asthetics. @font-face is used for the majority of typography and has been implemented in a cross-browser fashion with the assistance of Font-Squirrel's excellent generator.
For CSS purists, yes, you can of course achieve a similar effect without the need for the data-attribute here, but as I wished to include a sample of it's potential usage, it's been included in WanderWall as an optional feature. You can easily switch over to using jQuery based tooltips quite easily if you prefer.
Let's Create a WanderWall
The first thing to do when creating a Hover-based interface is plan out how your interaction is going to work. I probably went through 12 different iterations planning this project before I was happy and it's important to try thinking from a user's perspective before you dive into the coding. Once that's done, you'll first want to write some HTML to define your page's structure.
HTML for the header frames (links)
HTML for the sliding pages
Wanderwall 1
Wanderwall 2
Wanderwall 3
Wanderwall 4
In real life, you'll probably define some very simple CSS to structure your design next, but to keep things simple, I'm first going to show you the important parts of the JavaScript in this project and then the final CSS3. (I recommend waiting until you've finishing the JavaScript side of things before 'touching up' the design, but you do whatever feels most comfortable.)
jQuery For Background Animation (on frame hover)
$("div.frame a").hover(function() { var currentLink = $(this); hideTheRest(id); id = this.id.replace("link", ""); position = -295*id; marginnew = pagewidth * id * -1; /*Display the Home link if not currently on Default Page*/ if(id > 0) { $('#homelink').show(); }else{ $('#homelink').hide(); } /*Move the page-slider in the correct direction depending on the ID*/ $('.pageslider').stop().animate({marginLeft: marginnew}, 800); /*Animate the background*/ $('#wanderwall').stop().animate({backgroundPosition: '(50% ' + position +'px )'}, 500, function() { distance = 0; topdis = -190; text = currentLink.attr('alt'); infoframe = $('#infoframe'); /* Define offset for text*/ switch(id) { case "1": distance = 500; break; case "2": distance = 730; break; case "3": distance = 200; break; case "4": distance = 400; topdis = -198; break; } infoframe.html(text); infoframe.css('margin-left', distance + 'px'); infoframe.css('margin-top', topdis + 'px'); infoframe.fadeIn(); }); }, function() { $('#infoframe').hide(); var id = this.id.replace("link", ""); $('#wanderwall').stop().animate({backgroundPosition: '(50% 0px)'}, 500 ); showTheRest(); });
jQuery For Showing And Hiding Other Elements On Hover Of One
function hideTheRest(id){ for (var i=1; i<5; i++){ if (i!=id) { $('#frame' + i + ' a').css('display', 'block'); /*Set the alpha transparency*/ $('#frame' + i).css('filter', 'alpha(opacity=80)'); /*Fast-fade animation*/ $('#frame' + i).stop().fadeTo("fast",0); /*Don-t display the link*/ $('#frame' + i + ' a').css('display', 'none'); } } $('#infoframe').css('visibility','visible'); } function showTheRest(){ for (var i=1; i<5; i++){ $('#frame' + i).stop().fadeTo("fast",0.8); $('#frame' + i).css('filter', 'alpha(opacity=80)'); $('#frame' + i + ' a').css('display', 'inline'); $('#frame' + i + ' a').css('display', 'block'); } $('#infoframe').css('visibility','hidden'); }
These are some extracts of the most important jQuery code used to power WanderWall. If you would like to take a deeper look into the code, I recommend checking out the source which can be downloaded at the beginning or end of this post. Let's now take a look at some of the important CSS3.
CSS3 for the background gradient and 3D 'mantle' bar
body{ background: -webkit-gradient( linear, left bottom, left top, color-stop(0.09, rgb(153,153,153)), color-stop(0.55, rgb(242,242,242)), color-stop(0.78, rgb(240,237,240)) ); background: -moz-linear-gradient( center bottom, rgb(153,153,153) 9%, rgb(242,242,242) 55%, rgb(240,237,240) 78% ); } #mantle { width:100%; height:30px; background: -webkit-gradient( linear, left bottom, left top, color-stop(0.09, rgb(153,153,153)), color-stop(0.55, rgb(242,242,242)), color-stop(0.78, rgb(252,252,252)) ); background: -moz-linear-gradient( center bottom, rgb(153,153,153) 9%, rgb(242,242,242) 55%, rgb(252,252,252) 78% ); -webkit-background-origin: padding; -webkit-background-clip: content; border-bottom:1px solid #fff; }
CSS3 for Frame Rotation
.frame:hover{ -webkit-transform: rotate(-9deg); -moz-transform: rotate(-9deg); }
Cross-Browser @font-face
@font-face { font-family: 'LeagueGothicRegular'; src: url('league_gothic-webfont.eot'); src: local(''), url('league_gothic-webfont.woff') format('woff'), url('league_gothic-webfont.ttf') format('truetype'), url('league_gothic-webfont.svg#webfontwJ2IAlek') format('svg'); font-weight: normal; font-style: normal; }
CSS3 @font-face consumption and text-shadow (indentation effect) Sample
color:#444444; letter-spacing:-1px; text-shadow:0 1px 0 #FFFFFF; font-family: 'LeagueGothicRegular', sans-serif; font-size-adjust: 0.55; font-size:40px; margin-top:30px;
and that's it!. You can very easily customize WanderWall for your own projects and remember that you're not just limited to using 4 links/frames on the top. You can modify the code to have as many as you'd like and to look however you'd like too (in case for example you'd rather use buttons for the links instead of frames).
Got a question? Check the FAQ real below real quick and if it's not answered there, feel free to leave a comment below and I'll do my best to help. Scroll down to the end of the post to get your download pack now.
Frequently Asked Questions
-Does WanderWall work in all browsers?
I've attempted to make this project as cross-browser compatible as possible. It's been tested on Safari, Chrome and FireFox for the Mac and Windows as well as IE6. If however you notice a quirk, let me know and I'll try my best to get it fixed for the next release. Please note that due to the resolution of the one image I do use in this project, it may take a few moments to appear depending on your connection speed. That said, it loads in under a second on mine so you might not notice and delay.
-How do you create the background-image used in the header-wallpaper?
With the increase in both screen sizes and screen resolution we've noticed over the past few years, the background to the header needs to be able to cater for screens of any size (within reason). To start, you first need to create an image that's approximately 3000×1445 or over. I recommend taking a look at the theme examples in my images folder (test_3, test_5 etc) as this will give you an idea of where each 'wallpaper' needs to end. If you prefer to keep your file-sizes down, you can always either opt to disable the animated background or use a simple-palette GIF file instead.
Demos and Sources
I've created three demos that you can checkout below. Each has the same base content, but offers an alternative header-theme so you can see a few different ways that you can use the background-animation. The download pack contains all of these.
Did you enjoy this article?. If so please feel free to share it with your friends or colleages by clicking the retweet button. Thanks and I hope the post came in useful!.


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While amendments to the Florida Building Code are generally initiated by members of the Board of Rules and Appeals, by building code enforcement professionals or by the construction industry, anyone may propose a code change. The procedure for such a proposal is relatively simple. First, one must select the specific section in the Florida Building Code which is deemed to need revision. Next, on a form specified by the Board of Rules and Appeals, state the desired change, the reason for it, and any economic impact it might have on the public.
The proposal is then evaluated by the appropriate Board committee(s), and then passed on to the full Board with committee recommendations. It is important to remember, however, that Florida law allows the Board of Rules and Appeals to make changes in the Florida Building Code which result in equal or greater public safety. The Board of Rules and Appeals does not have the legal authority to make the Florida Building Code less restrictive.
Required Plug-ins: Adobe® Reader®


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Battleship - Photo Gallery 2
Peter Berg (Hancock) produces and directs Battleship, an action-adventure that unfolds across the seas, in the skies and over land as our planet fights for survival against a superior force. The film stars Liam Neeson, Taylor Kitsch, Alexander Skarsgard, Rihanna and Brooklyn Decker. View first-look photos of Battleship…
Roll your mouse over the left and right-hand sides of the image and then click to view more pictures.
2 of 17
Read our rreview of Battleship or our interview with Rihanna
Alternatively, check out first-look photos or pictures from the London photo call
Recent Galleries:
- Edge of Tomorrow (Tom Cruise/Emily Blunt) Photo Gallery 1
- The Hobbit: The Desolation of Smaug Character Poster Gallery
- The Hobbit: The Desolation of Smaug - Photo Gallery 2
- Free Birds Photo Gallery
- Carrie (Chloe Grace Moretz) Photo Gallery
- Parkland Photo Gallery
- The Hunger Games: Catching Fire Photo Gallery
- The Family (Robert De Niro/Michelle Pfeiffer) Photo Gallery
- The Counsellor (Michael Fassbender/Brad Pitt) Photo Gallery
- Lone Survivor World Premiere Photo Gallery


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Today on 360
TCU will open for classes and activities at 10:30 a.m. Monday, according to a TCU alert that was sent out to students around 7:00 p.m. Sunday night.
The alert is the third students have recieved in the past four days, the first two informing students of TCU cancelling all classes and activities for Friday and Saturday.
Provost Nowell Donovan emailed a message to all students shortly after the alert, explaining the process in which finals would be reschuedled due to the late opening.
On the heels of the news that TCU would delay its start time to 10:30 a.m. Monday -- and that finals, too, are delayed -- some students are responding on social media to the news with a mixture of frustration and wit.
Charles Hill Jr. scored 20 points, Kyan Anderson added 16 and Texas Christian beat Mississippi State 71-61 on Thursday night in the Big 12/SEC Challenge.
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Join our mailing list to be kept up to date on the latest campus news. We'll email you as big news breaks and send you regular updates with stories from TCU 360.


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A beautiful cut of steak will only get you so far . . . next, it's all about mastering the Maillard reaction (a fancy way to describe the process of creating that crispy, caramelized crust on the outside of meat). Lucky for us, we have experts from Omaha Steaks to teach us the best technique for prepping and grilling steaks.
10 Tailgating Ideas to Steal From NYCWFF
While at the New York City Wine & Food Festival Burger Bash and Jets + Chefs events, we couldn't help but notice the ingenious and unusual tailgating ideas. Surf and turf burgers, beer keg bowls, and buffalo-sauced shrimp are a few items that will guarantee a touchdown of a game day feast.
Get the Dish: Islands Restaurant's Hawaiian Burger
Travel season may be over, but that doesn't mean you can't dream of a tropical vacation by grilling this Hawaiian burger from Islands Restaurant. It's loaded with grilled pineapple rings and teriyaki sauce, so try not to sigh "aloha" while making this burger. Take a look at the recipe.
Elevate Your Hot Dog to a Haute Dog
Elevate your hot dog to a haute dog with four luxe spins on this meaty stadium bite. Whether you want to amp up the indulgence with a bacon-wrapped and cheese-stuffed Swanky Franky, channel a Big Apple icon with The Real New Yorker, pack in a hefty serving of veggies with our Downward Dog, or take the classic pairing of beers and brats to the next level with a Lager Link, there's a style you're sure to enjoy. Watch the video to see how it's done and then get the recipes.
What to Do With Leftover Grilled Meat
After a holiday weekend of grilling, chances are you've got some leftovers in the fridge. Brisket, ribs, sausages, and steak aren't exactly ideal leftovers; reheating these dishes can dry meat out, or even worse, make it chewy and inedible. But don't discard your barbecued meats just yet — with a little creativity, you can transform it into a delicious new dish.
- Quesadillas! Shred or finely chop chicken drumsticks, and layer it between tortillas with cheese.
- Go to bean town: Add to a pot of simmering beans. Enjoy the beans over rice with hot sauce.
Know Your Labor Day Food Factoids?
Next Monday, Sept. 2, professionals everywhere will take advantage of Labor Day to play hooky, travel, and, of course, eat. Although the holiday originated out of labor disputes, the first Monday in September has become synonymous with many things — not the least of which is a national celebration of food. You may know exactly what you'll be snacking on next Monday, but what tasty tidbits do you know about the holiday weekend's food heritage? Click through our quiz to find out.
— Additional reporting by Nicole Perry
Your Ultimate Guide to Grilling
Happy Labor Day! Whether your must-have bite today is a burger, a hot dog, barbecued ribs, or otherwise, chances are you're firing up the 'cue for your festivities. In need of some inspiration? Regardless of what you're making, we've got you covered.
Go Back to Grilling and Smoking Basics
- Know your techniques: grilling
- Grilling tips from celebrity chefs
- How to light a grill
- Smoking meats on a charcoal or gas grill
- How to grill a whole fish
- How to tell when food's done on the grill
- 5 steps to pizza-grilling success
- Different ways to grill fish
- Prep tips for perfecting your kebabs
- Awesome grill pans for stovetop grilling
- What to do with leftover or used charcoal
- How to properly dispose of a propane tank
Keep reading for barbecue recipes, party-planning ideas, tips, education, and more!
Bring on the Old Bay: Maryland-Style Grilled Shrimp and Corn
Why This Recipe Works
Moving this Chesapeake classic to the grill intensifies its flavors. Shrimp are often grilled in their shells to protect their delicate flesh, but this means you have to remove the shells before eating — a task that can be messy. For easier access to our grilled shrimp, we peeled them first, then crowded the shrimp onto skewers to prevent them from overcooking. A very hot fire ensured they were cooked to perfection in just minutes. We took advantage of the rest of the space on the grate to grill corn, and since we seemed to be on our way to a seaside supper, we combined butter and Old Bay seasoning for a flavor-packed sauce. To complete our Chesapeake-inspired meal, we microwaved tender red potatoes and then tossed everything into our buttery sauce.
Ingredient Spotlight
Old Bay seasoning is a spice mix that's essential for many shrimp and crab dishes. Created in the 1940s, this spice mix is a regional favorite in Maryland and Virginia along the coast. The predominant flavors in Old Bay are celery, mustard, and paprika. At your local supermarket, you can find it in the spice aisle or near the seafood department; many fish markets carry it as well.
Keep Your BBQ Light With Veggies on the Grill
Summer barbecues aren't just about hot dogs and hamburgers! Once you start grilling veggies regularly, the meal options and combinations are endless. If you're not sure how to keep veggies healthy and delicious on the grill, here are some helpful tips to help you out all Summer long.
- Have the right tools: First things first, order a stainless-steel grill wok topper ($20). This contraption prevents chopped veggies from falling through the grate onto the coals or gas. In addition to your wok topper, be sure to have a set of tongs ready to go next to the grill. This way you can flip your veggies and get a nice char easily.
- Chop ahead: Don't try to chop up your veggies outside! Prep your veggies in the kitchen before you head out to the grill. There's no need to stick to just one variety — offer a nice mix. Cut slightly larger pieces than you would when you roast or bake them, since the grilling process will cause them to shrink.
- Brush and season: Beyond the flavor factor, brushing your veggies with olive oil prevents them from sticking to your grill. Once you've got that covered, sprinkle with rosemary, minced garlic, salt, and pepper for a little extra flavor. Feel free to experiment with different sauces, herbs, and spices. Adding freshly grated ginger and lemon juice can be delicious, and other days hot sauce can offer that spicy heat you're craving. Don't consider sugary BBQ sauces or over-the-top marinades; let the natural flavors of your veggies speak for themselves.
- Keep an eye out: Shake, stir, and flip your veggies quite often. It's important to watch them closely since they don't take very long to cook! If you step away for too long, you could be left with a texture that's unpleasant. Once they're cooked just right, pour all your veggies onto a plate and serve hot. They're delicious to eat plain with the rest of your BBQ food, or top off your favorite burger or hot dogs with extra veggie power.
3 Awesome Grill Pans For Stovetop Grilling
No grill? No problem! Whether you live in the city with no backyard or balcony to fit a grill or you simply don't own a grill, that doesn't mean you can't fake it. Sure, you might not achieve the same smoky flavor that an outdoor grill would impart, but there are plenty of great grill pans available to position on the stovetop. In particular, these three grill pans, made by well-known cookware makers like Scanpan and Le Creuset, will sear your food just like an outdoor grill would, creating those wonderfully sought-after grill marks on everything from vegetables to hot dogs.
Scanpan Mixed Grill and Griddle Pan ($150) — The latest in nonstick cookware, Scanpans are great because they are certified PFOA-free (the highly debated chemical used in traditional nonstick pans) and are scratch-free, so you can use metal spatulas and tongs without any fear of damaging the pan. The dual surface makes it easy to cook pancakes and bacon or burgers and veggie kebabs at the same time.


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Please note: The Senate Week in Review is written by a staff member of the Illinois Senate Republican Caucus and approved by legislators. It is meant to provide constituents with information about legislative action and activities during the week.
Independence Day became the backdrop for signing legislation to benefit Illinois veterans, while the state began its new fiscal year July 1 with enactment of a $33.7 billion budget, according to State Sen. Ron Sandack (R-Downers Grove).
Also signed into law during the past week was a bill to allow police to arrest family members who help a relative flee the country to avoid arrest or prosecution.
Veterans' Initiatives
The measures for Illinois veterans included Senate Bill 2837 (PA 97-739) which adds a veteran designation to driver's licenses and other ID cards issued by the state. This is intended to make it easier and quicker for state agencies to identify a veteran when the person applies for services, such as healthcare, student loans or grants or employment.
Sen. Sandack said another measure, HB 4586 (PA 97-738) expands a conservation jobs and training program for youth to allow veterans to participate as well. Under the new law, unemployed Illinois veterans and members of the Illinois National Guard are eligible for job opportunities with the Illinois Veteran Conservation Corps and Illinois Veteran Recreation Corps.
A third bill (SB 3689/PA 97-740) expands the allowable uses for proceeds from the state's special Veterans Cash lottery tickets, so that funds can be used to support veterans employment and employment training. Funds are already used to provide grants to nonprofit organizations for health care and post-traumatic stress disorder treatment, housing assistance, disability benefits and other services to Illinois veterans.
Families No Longer Protected from Prosecution
The crackdown on those who help criminal relatives flee the state or country was contained in SB 2520 (PA 97-0741), Sen. Sandack explained. The measure closes a loophole in state law that protected immediate family members from prosecution. Now, family members who aid in such cases will be subject to a prison term of one to three years and/or a $25,000 fine. Illinois was one of only 14 states to exempt family members.
Budget Reductions
On June 30, the day before the state's new fiscal year began, Gov. Quinn signed most of the state budget, cutting $57 million in General Funds out of a $33.7 billion budget.
The largest reduction came by eliminating funds the legislature had added to try to keep several state facilities open, including state prisons in Tamms and Dwight and mental health and developmental centers in Jacksonville, Tinley Park, Centralia and Rockford. Also tagged for closure were adult prisoner transition centers in Carbondale, Decatur and Chicago and youth centers in Joliet and Murphysboro.
In all, the Governor said he intends to close 57 state facilities, which includes all the office consolidations and communications centers associated with the state facilities.
"These types of decisions are not easy ones, especially when they impact communities," Sen. Sandack said. "But the fiscal mismanagement of the state has led the governor to make the decision to shutter these facilities in an effort to start pulling the state out of debt. The process of closing the facilities needs to be deliberate and thought out while keeping in mind how it will affect the communities. This is not what anyone wants to see happen, but it is the discretion of the governor to make these tough decisions to right the fiscal house of the state."
In signing the budget, the governor also complained about the General Assembly's cuts to education and the Department of Children and Family Services. Yet, Sen. Sandack pointed out the governor left intact a number of controversial funding programs, including a $1 million earmark for the failed Grow Your Own Teachers program. That program has spent more than $19 million in its first six years and produced only 29 teachers at an average cost of $662,000 per teacher.
Also untouched by the governor's veto pen was a $1 million appropriation to pay parents $4,000 to "volunteer" at their children's schools.
"There were several questionable areas of this budget that Gov. Quinn could have adjusted to save more money," Sen. Sandack said. "Illinois' budget is riddled with waste and by not taking steps to reduce those areas, we are only exacerbating our fiscal woes. The facility closures were a difficult choice, but these controversial programs are easy decisions to make and cut out of the budget."
The governor used his budget veto message to again lobby for changes to the state's pension programs. The governor and four legislative leaders have been meeting to try to hash out an agreement on pension reforms. However, the discussion has bogged down because the House speaker and governor have linked reforms to funding changes that would shift major pension costs onto local property taxpayers.
Other Measures Signed Last Week
Business Survey (HB 1882/PA 97-721): Creates a number of new responsibilities for the state Department of Commerce and Economic Opportunity including: requiring a survey of businesses in the state and those that have left the state in the past 10 years; implementing an Engineering Excellence Program; setting requirements for website posting of available economic benefits to businesses and recaptured tax exemptions and extending the time period to set the annual eligibility level for energy assistance.
Carnival Safety (SB 3380/PA 97-737): Expands the state's Carnival-Amusement Safety Board from eight members to nine.
Electrologist Licensure (SB 3385/PA 97-724): Allows for a specific electrologist to be included amongst the 150 other licensed electrologists grandfathered into the new law. The electrologist inadvertently missed the deadline for being grandfathered into new requirements, and would otherwise have to complete a new 600-hour program.
Gold Star License Plates (SB 2494/PA 97-723): Makes Gold Star license plates available to family members, including siblings, of a person who has lost his life while serving.
Gubernatorial Appointees (HB 1084/PA 97-719): Clarifies the law regarding gubernatorial appointments that are subject to confirmation by the Illinois Senate. Also states that after the initial terms for workers' compensation arbitrators appointed pursuant to the reforms of 2011, the term of arbitrators shall be 3 years. Requires Senate confirmation of all arbitrator appointments in the future.
Ham Radio (HB 1390/PA 97-720): Prohibits municipalities from regulating the placement, screening, or height of amateur radio antennas or support structures.
No Wheelies (SB 3452/PA 97-743): Imposes a minimum fine of $1,000 for driving a motorcycle on one wheel while speeding. Also prohibits the sale of license plate covers that cover up or obscure a license plate number and limits motorcycle handlebars to the same height at the driver's head (currently handlebars cannot be higher than the operator's shoulders.)
Public Assistance Payment (SB 2820/PA 97-735): Authorizes expeditious payment from the Public Assistance Emergency Revolving Fund for a variety of fees for child support services, including process fees to sheriffs and other public officials, and fees to county clerks and recorders of deeds. The state Department of Healthcare and Family Services has been paying these fees with petty cash, which is not in compliance with state law.
School Days (SB 2850/97-742): Restricts school districts from having shorter school days on the opening and closing days of a school term.
Shark Fin Ban (HB 4119/PA 97-733): Prohibits a person from possessing, selling, trading, distributing, or trying to sell a shark fin on or after January 1, 2013.
State Board of Health (SB 174/PA 97-734): Requires the State Board of Health to deliver the third installment of the State Health Improvement Plan to the Governor by Jan. 1, 2016, and every five years thereafter.
State Surplus Fund Transfer (HB 4139/PA 97-722): Increases the amount transferred into the state's General Revenue Fund from the State Surplus Property Revolving Fund for any balance exceeding $1 million (currently $500,000). Central Management Services requested this threshold be increased in order for them to maintain a solid operating budget.
Township Officers (SB 3324/PA 97-736): Prohibits township officers from receiving compensation for future or anticipated dates of service; compensation can only be for time actually served. This bill addresses circumstances where township officers were giving themselves salary advances.


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VWM also stands for:
- Vaportight Wall Mount
- Vermont Web Marketing
- Vertical Web Marketing, Inc.
- Vineyard and Winery Management
- Virtual WeatherMan
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