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Unsecured debt
This article needs additional citations for verification. (April 2013) |
Securities |
Bonds by issuer
In finance, unsecured debt refers to any type of debt or general obligation that is not collateralized by a lien on specific assets of the borrower in the case of a bankruptcy or liquidation or failure to meet the terms for repayment.
In the event of the bankruptcy of the borrower, the unsecured creditors will have a general claim on the assets of the borrower after the specific pledged assets have been assigned to the secured creditors, although the unsecured creditors will usually realize a smaller proportion of their claims than the secured creditors.
In some legal systems, unsecured creditors who are also indebted to the insolvent debtor are able (and in some jurisdictions, required) to set-off the debts, which actually puts the unsecured creditor with a matured liability to the debtor in a pre-preferential position.
Under risk-based pricing, creditors tend to demand extremely high interest rates as a condition of extending unsecured debt. The maximum loss on a properly collateralized loan is the difference between the fair market value of the collateral and the outstanding debt. Thus, in the context of secured lending, the use of collateral reduces the size of the "bet" taken by the creditor on the debtor's creditworthiness. Without collateral, the creditor stands to lose the entire sum outstanding at the point of default, and must boost the interest rate to price in that risk. Where high interest rates are considered usurious, unsecured loans are either not made at all, or are made by loan sharks unafraid of the law.
- Unsecured loans[1]
- Also called signature loans or personal loans. These loans are often used by borrowers for small purchases such as computers, home improvements, vacations or unexpected expenses.
- An unsecured loan means the lender relies on the borrower's promise to pay it back. Due to the increased risk involved, interest rates for unsecured loans tend to be higher. Before dive into any unsecured debt consolidation loans, check out the interest rates. Remember, any loan, unsecured debt consolidation loans or not, are only as good as the interest rate. Typically, the balance of the loan is distributed evenly across a fixed number of payments; penalties may be assessed if the loan is paid off early. Unsecured loans are often more expensive and less flexible than secured loans, but suitable if the lender wants a short-term loan (one to five years).[2]
- In the UK there are hundreds of different unsecured loans to choose from, so comparison tables have become a popular way of finding out about the different options available. In 2006, according to the Bank of England, 22% of UK households had unsecured debt, and 43% had both secured and unsecured debt.[3]
- Credit cards[1]
- Medical bills[1]
- Term Deposits
- Payday loans
- Guarantor Loan
See also[edit]
- ^ a b c "Federal Trade Commission Apology Page". Ftc.gov. Retrieved 2013-10-13.
- ^ [1][dead link]
- ^ "The state of British household finances: results from the 2006 NMG Research survey". Bank of England. Retrieved 2013-10-13.


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Puerto Rican Restaurants with ATM
Places (19)
Showing 1 - 10 of 19
Coco Loco
Category: Restaurants/Cuban
Coco Loco is a restaurant by day and a nightclub by night. They offer Cuban, Puerto Rican and Latin American cuisine, and it's a great place to feast...
Broadway Brewhouse 100You not only can get a wide selection of brews here, but also a tasty Cajun meal to boot. There are occasional celebrity sightings, but it's really all about the locals and fun conversation. Lunch is a madhouse, but the servers have
Category: Restaurants/Bar Food
You not only can get a wide selection of brews here, but also a tasty Cajun meal to boot. Nighttime is lively, with people flooding the bar area to...
J&J's Market
Category: Restaurants/Sandwiches
Sure, they serve up wonderful espresso drinks, but this market has a great deal more to offer, such as rare beers, cigars and European groceries (...
The Rutledge
Category: Restaurants/Bar Food
As the Blue Sky Court, this Fourth Avenue space was dingy and dive-y; reopened as The Rutledge, it's one of the best-sounding, best-looking small...
August Moon Express
Category: Restaurants/Chinese
This outpost of the popular Green Hills restaurant is known for its lighter take on what's usually a greasy, bungled style of cooking, at least in...
Henpeck Village Market
Category: Restaurants/Restaurants
Southern Living magazine rates it a "favorite stop" off I-65. Henpeck Market is a step back to a time when folks at the corner grocery store knew...
Sunset Restaurant
Category: Restaurants/Soul Food
If what you're craving is that down-home, Southern country cooking, look no further. The Sunset Restaurant has what you want, guaranteed. Customers...
The Place
Category: Restaurants/Restaurants
A downtown bar and music venue faces plenty of competition, but The Place compensates for its catch-all name with a two-level setup that pleases both...
The Frayed Knot
Category: Restaurants/American
3 Crow Bar
Category: Restaurants/Bar Food
It doesn't host live music anymore, which is a shame, since the tight-knit East Nashville indie scene made it a fun, vibrant stomping ground for a...

subset: commoncrawl


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Stock Quotes
Lake Worth, FL 8/01/2012 09:00 PM GMT (TransWorldNews)
Christian Substance Abuse Treatment Centers Identify Depression As A Cause Of Addiction
Christian Drug Rehab Experts Discuss Effects of Crack Cocaine
Christian Drug Rehab Pastors Educated by Drug Addicted Patients
Many Christians wonder if entering a drug treatment center for their addiction problem will interfere with their faith in Christ. After all, don't most drug treatment centers promote the twelve step approach to recovery, which allows for recovering addicts to "choose their own conception" of God, thus eliminating the need to rely solely on Christ for healing and protection? A lot of Christians fear involvement in twelve step programs because they fear they will be communing intimately with non-believers who may lead them astray from the one true God.
While the concerns some Christians have regarding this issue may be based on legitimate fears, all too often these types of Christians are facing a much deeper problem—denial of their disease. The disease of addiction is a tricky illness. Much like Satan of the Bible, it uses deception to kill the spirit, and very often kill the body as well.
While not all drug treatment centers are Christian in nature, those followers of Christ who do have the disease of addiction have Christian treatment center options that may alleviate their fears about recovery from their illness. While not all Christian treatment centers use the twelve step approach, many Christian treatment centers utilize the twelve steps because of their effectiveness. This Christian twelve step approach recognizes the early Christian roots of the first twelve step movement, Alcoholics Anonymous, and they allow Christians to open up to the fact that they have nothing to fear about the steps or about AA members.
In fact, there is nothing anti-Christian about AA's steps. They are, essentially, Christian in nature. If one were to break down the twelve steps into their simplest terms, they simply ask each suffering addict to believe in God, surrender to His will for them, and do unto others as they would have done unto them by living a life of correct actions in the company of fellow human beings. If faced with a non-Christian in AA who attempts to deceive a believer, a Christian who is on right footing before God always will be protected from deception, as the Bible states. There is no difference between relying on this power in a twelve step fellowship, or say in the secular workplace where Christians come face to face with non-believers every day.
As Christians work through the twelve steps during Christian drug treatment, they begin to see that the steps, in conjunction with their faith, relieve their compulsion to drink and/or drug. In this respect, it is difficult for a Christian who finds freedom from their disease to believe the twelve steps or drug treatment centers are bad. After all, freedom from addiction is a good thing. And Christians who find this evidence for themselves will remember that nothing good comes from evil. Christ Himself preached "God alone is good." (Mark 10:18).
firstname.lastname@example.com www.thechristiantreatmentcenter.com/
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Indoor Polo, Anyone? Incredible Brazilian Equestrian Estate Listed at $17.5 Million
An incredible equestrian estate outside of Sao Paolo in Brazil featuring the only indoor sand polo field in Latin America has been listed for sale via global online luxury marketplace JamesList for about $17.5 million. The eye-popping property occupies 59 acres and includes 20 stables to house your precious thoroughbred horses, 18 paddocks and a professional grade outdoor polo field as well. The stunning 17,000-sq-.ft. Spanish Colonial main residence has six luxurious suites, refined living and dining areas, three grand fireplaces, an office, library, outdoor kitchen, terrace with panoramic view of the polo field, an inground pool with a swim-up bar also overlooking the polo grounds, and tennis / basketball courts. The lush grounds feature towering palms, tropical flowers and rolling lawns. Check out the gallery for a preview.


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condition subsequent
Definition from Nolo's Plain-English Law Dictionary
An event or state of affairs that, if it happens, defeats or modifies an existing arrangement or discharges an existing duty. In a contract, a condition subsequent can often terminate the duty of one party to perform under the agreement. Compare: condition precedent
Definition provided by Nolo's Plain-English Law Dictionary.
August 19, 2010, 5:13 pm


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Tickets are selling fast for the annual AK Sportsman's Dinner, to be held on Friday, 07th February 2014 at The Cresta Court Hotel, Altrincham. Guest speaker is former British Lion, Doddie Weir, with comedian Bob Webb and MC Peter Riley. Tables are limited (£400 for a table of 10) so to avoid disappointment please contact Michael Wildgoose on 07775 656 366 or Bert Weeden on 07971 870 591 or email@example.com to book your table today......
The Sportsman's Dinner team would like to encourage you to sponsor a table for ONLY £25. Sponsoring a table at this event will help us enormously to raise money for AK. In return you will receive free advertising on the menu and a complimentary bottle of fizz on your table. How else can you help.... View Item »
Saturday 28th December 2013 Calling all AK Ex-Colts!! Whatever your age - if you have ever played as an AK Colt - this day is for you! View Item »
Altrincham Kersal children's Christmas Party open to all the minis section U7's - U12's View Item »
Dublin, Ireland. Fri 23 - Mon 26 May 2014...... View Item »
All ex-players from any era welcome. Spend an afternoon having a few free beers, talking nonsense and listening to tall stories from the past, followed by watching AK in action against Birkenhead Park. Event sponsored by Bowdon Group..... View Item »
Great news! Pitchero, the folks who power the club website, have launched an iPhone app for ALL club members to use. The app is FREE and can be downloaded from the App Store..... View Item »
Altrincham Kersal defeat Waa Waa's 18-16 in the first round of the Cheshire Vase with Ben Davies and James Coulson crossing the line for AK. Cheshire Vase draw and results...... View Item »
A huge weekend for all the teams this weekend with the 1st team travelling to Warrington, 2nd and 3rd XV's are at home. View Item »
1st XV vs Birkenhead Park - Stelfox 2nd XV vs Birkenhead Park - Away 3rd XV No game this weekend View Item »


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AWE needs your help! Click here for a message from the President/CEO.
There is a commonly held belief in the water industry that declining per capita usage due to water conservation is forcing rate increases to compensate for fewer units of volume billed. But the rate increases necessitated by conservation are actually much smaller than the rate increases that would be necessary to account for population growth in the absence of conservation. Learn more here.
AWE wants to make sure no community faces a crippling water shortage--this year or in five years--and we need your help to do it. Our goal is to raise $100K this fall to expand our technical assistance reach. Learn more here.
Proposition 6, a constitutional amendment, creates two funds to assist in the financing of priority projects in the state water plan to ensure the availability of adequate water resources in Texas. Learn more here.
The AWE Never Waste water bottle won 2nd place in the First International Carafe Contest on October 24, 2013 at the IWA Efficient2013 Conference in Paris. Vienna Water won first place. There were 34 entries from countries all over the world.
Congratulations to Doug Bennett, recipient of the 2013 AWE Water Star award. The AWE Water Star Award is an award intended to recognize individual excellence in water efficiency. AWE celebrates the "unsung hero", the quiet water conservation practitioner working in the trenches who makes a huge difference by their dedication, passion, and progressive approaches to move forward our field. Learn more here.
The G480-13 Water Conservation Program Operation and Management Standard is a voluntary standard that can be adopted by water providers at their own discretion. The G480-13 standard describes the critical elements of an effective water conservation program and encompasses activities undertaken by a utility within its own operations to improve water use on the supply side through distribution system management and on the demand side through customer billing and education practices. Learn more here.
Knowing that water and energy are inherently linked, AWE and ACEEE released a report Saving Water and Energy Together: Helping Utilities Build Better Programs. The report provides recommendations on program models and frameworks that utilities can use to save both water and energy. Learn more here.
Recently, the U.S. EPA's WaterSense program released a final specification for commercial pre-rinse spray valves, the first commercial kitchen product eligible to earn the WaterSense label. Pre-rinse spray valves—used in commercial food service establishments to remove food waste from dishes prior to dishwashing—can account for nearly one-third of the water used in the typical commercial kitchen. Learn more here.
On Thursday, September 12, AWE learned of an amendment filed by Senator Rand Paul to S. 1392, The Energy Savings and Industrial Competitiveness Act of 2013, which would repeal the plumbing efficiency standards that have been in place in the United States since 1992. The amendment is scheduled for action in the Senate as soon as Monday, September 16. Forty-four organizations have signed on to an opposition letter filed by AWE over the weekend. Learn more here.
Household Water Calculator 2.0 Available
AWE has released an updated version of its Household Water Calculator, now adapted for water users in Canada using Canadian postal codes and climate data. The new calculator is also more accurate, compatible with tablets and smart phone use, and offers faster load times and a more intuitive interface to provide a more seamless experience for users. Learn more here.
AWE and its partner the American Council for an Energy-Efficient Economy have released a report, Water-Energy Nexus Research: Recommendations for Future Opportunities, which assesses existing research on this nexus and identifies priority research areas for investments to enhance integrated resource management and support overall efficiencies. Learn more here.
Never Waste is a national campaign to build awareness about the impact of water waste and encourage consumers to make a measurable impact. The campaign quantifies the amount of water wasted in our daily lives by comparing it to an everyday object – a water bottle. Find out how you can join the Blue Revolution or participate as an AWE member. Learn more here.
The 2013 AWE Business Guide showcases the latest thinking and leading technologies in water efficiency and conservation offered by our Business and Industry members. You'll find within manufacturers and distributors of water-efficient products, technical assistance providers for program design and development, and professional services for all your water-related needs. Please consider these companies for your sustainable water resource planning and efficiency efforts. Click here to download.
American Rivers recently released its annual America's Most Endangered Rivers report, listing the Colorado River at #1 because demand for water is outstripping supply. The 2013 report highlights a number of key threats, and shines the spotlight on rivers running dry because of outdated water management, wasteful water use, and persistent drought. Learn more here.
AWE, with funding from the Great Lakes Protection Fund, assessed five representative industries within the Great Lakes watershed that are supplied with treated drinking water and that discharge to a local wastewater utility. Both water conservation savings and environmental benefits were documented. Learn more here.
In August 2012, AWE and The Johnson Foundation at Wingspread co-hosted a summit with water utility mangers, rate experts, price regulators, economists, and advocacy groups to explore the issues surrounding declining water sales, utility revenue losses, and the impact on conservation programs. A report including the summit results, as well as a detailed background framing paper, can be downloaded here.
AWE and the Environmental Law Institute have released the report entitled, The Water Efficiency and Conservation State Scorecard: An Assessment of Laws and Policies. The report presents results from a 20-question state survey that AWE conducted in 2011, funded in part by a grant from the Turner Foundation. The draft was released in April for public comment and the report is now in its final version. Click here to learn more and download a copy of the final report.


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We had a really good comfortable night here. Our room was large, the bathroom was a good size, there was a fridge and a desk with a chair. The Internet worked very well. Our room was very clean and the bed was just perfect: we slept very well. It's very quiet here, considering the road nearby and the surroundings are... More
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She HAS no character.
PIAPS lies and Kathleen Parker swears to it.
It´s not a though Hillary Clinton has a track record of complete honesty ...
A convenient clot!
Nice try, Kathleen.But Hillary has been a serial liar for so long that no one believes anything she says.You can only cry wolf for so long...
Wonder what Horndog Bill is hoping for..
Kathleen Parker is a hack and one of the corrupt media types that are ruining our nation.John Bolton prefaced all his comments surrounding Hillary with a statement that he hoped there was nothing serious wrong with her health, and if there were, that she recover quickly.Having said that, how do you believe anything said by someone who continually lies and obfuscates the truth
In order to, first you have to have..oh, never mind!!!
A hated columnist writing about a hated politician. Birds of a feather....
She has spent her entire life lying and ducking responsibility for her criminal activities with the support of a cohort media. She her earned distrust and suspicion.I feel about as bad for hillary as I do for Hugo Chavez.
Yes, just like Hillary was so anxious to cooperate on Whitewater? Oh gee, never knew those billing records were here in the closet all that time? No integrity at all - a fraud.
Kathleen, you useful idiot, get a clue!
If PIAPS isn´t tough enough to play with the big boys, she needs to take her ball and go on home.She is Secretary of State. She doesn´t need Kathleen Parker or anyone else to defend her. Either she is tough enough to do that for herself, or she isn´t tough enough to be in that position -- or, God forbid -- ever as president.I don´t know if this is real or a stunt to get out of testifying, but, in either case, by Kathleen Parker acting like PIAPS needs defending, she is basically admitting that PIAPS isn´t strong or tough enough to do the job.Sounds really sexists to me...
Hillary Clinton is a horrible harpy.
I guess I should read more slowly. For a moment there I was thrilled.
Is Kathleen Parker´s educational background so impoverished that she´s never heard of the childhood fable about the boy who cried "wolf"?
Hillary is capable of extreme evil.
I suspect it is a face lift that went bad. Just read some of the reviews of those Life Lift procedures advertised on Fox.
Cattle futures
It seems I remember her previous testimony in another hearing when she replied "I have no memory of that" 26 times, if memory serves.
What if she had been on the flight to Iran which crash landed and suffered a concussion from the rough landing? It would have been divine justice or karma if she died after attempting to broker a deal to terrorists, after allowing terrorists to kill 4 Americans working under her despite pleas for help. May not be compassionate but I think Hillary really has blood on her hands. She has compounded the wrong by letting those 4 get reshuffled while pretending to mete punishment to these supposedly scapegoated functionaries.
It´s not assassination, Kathleen. It´s suicide.
Where was she when Sarah Palin was being slandered?
Are you kidding me? The woman is like a greased pig, nothing seems to stick, although it certainly should.
The problem is that when you´ve been lied to so often by someone yesterday...how do you ever know if they´re telling you the truth today?
The Secret Service recorded this conversation:Hillary: "What would you do if I died? Would you get married again?BILL: "Definitely not!"HILLARY: "Why not? Don´t you like being married?"BILL: "Of course I do."HILLARY: "Then why wouldn´t you remarry?"BILL: "Okay, okay, I´d get married again."HILLARY: "You would?" (with a hurt look)BILL: (makes audible groan)HILLARY: "Would you live in our house?"BILL: "Sure, it´s a great house."HILLARY: "Would you sleep with her in our bed?"BILL: "Where else would we sleep?"HILLARY: "Would you take her golfing with you?BILL: "Yes, those are always good times."HILLARY: "Would you let her use my clubs?BILL: "No, she´s left-handed."HILLARY: -- silence --BILL: "Damn."
If she is that seriously ill or had such a bad fall, how is it that we don´t see Bill or Chelsea rushing to be with her?
Sucks doesn´t it, Kathleen, when it´s your side getting peed on?
Did not knpw you could assinate her charatersince have to posses once to have it assignated. Nuff said.
4 Americans were assassinated in Libya, so I don´t give a rat´s behind about Hillary´s character. This is what comes of being a serial liar. Eventually, no one believes anything you say.
The character assassination of Hillary Clinton is self imposed.
With her embittered ´nowadays everyone´s a pundit´ declaration, short, fat, stumpy Parker is clearly concerned about others stepping on her turf. She thinks only she should be ´entitled´ to be a pundit, and others must be silenced.Wake up, dumpy blonde Parker: It´s the Internet Age and the msm is facing competition because of its dereliction of duty.
Can we stop calling Kathleen Parker a "conservative voice" now? What a failure she is.
Sounds like Kathleen voted for Obama with her lady parts again.
Why has no doctor stepped forward and put his name and reputation to her condition? We only have her word.Both Bill and Chelsea have been to the hospital..Kathleen is not dumpy. Wrong. But not dumpy.
She IS dumpy - I saw a picture of her in a polka dot outfit back when she was sucking up to Obama as one of his hand-prized picked conservative journalists in the early days of his presidency. Obama was taking her around and working mightily to impress her, which he obviously did. She was short, fat, dumpy and had the look of a squishy chew toy. Don´t believe her photoshopped photo in the column. She´s squishy fat and needs to watch her carb count.
It probably explains her enmity toward Sarah Palin. All of Parker´s arguments (and thoughts) are emotional, so I think her instant hatred of Palin was primarily emotional jealousy about Palin´s looks.
PARKER: A lap dog rump swab who supports and defends liars, especially Alinsky-trained liars like Clinton and Obama.You poor blind dumbass corrupt media hack!
If I was the head of a gov´t dept. that was coming under withering fire and I did nothing wrong,I would crawl over hot coals to testify and clear my name.Hot coals can´t get Clinton out of her hospital bed.Parker became an overnight sensation with the left when she trashed Palin,she basked in the glory of helping to bring her down.Now she´s going back to the same crowd of morons who idolized her for doing that. She was totally dreadful on the short lived show with Spitzer,thinking she was cute with the librarian look.I guess Parker has no intellectual curiosity about this whole Benghazi situation from start to finish. How can the state dept.take the whole blame with it´s head snake ducking all the liability about it?
How does the Hildebeast like it when the shoe´s on the other foot. I say just deserts. She´s nothing more than an incompetent liar whose sole role as SoS was to make history on the most number of countries visited.
It may have been a blow to the head in an attempt to shut Hillary up so she couldn´t crawl from under the bus she is going under to save the won.It is an insult to real ladies to call the tramps voting parts ´lady parts´.
@11 And you can bet your bottom dollar Hils knows exactly what happened to Vince Foster all those years ago.
Have any of the lap doggies covering Hillary explained why, when she lives and passed out in D.C. she´s shipped to a NY hospital. Could it be that the Clinton´s control the press offices at Columbia Pres. hopital better than in D.C. There is something weird about this whole thing.
Parker is nothing more than someone who sits at home reading the paper and news blogs to then write her opinion pieces. She is no more informed than the people who post on this site--probably much less so in many cases.
Ok, then what about this from yesterday?"Clinton Injured, US Navy Seal KilledIn Secret US Mission To Iran"http://lucianne.com/thread/?artnum=717309
What Parker fails to point out in her smarmy holier-than-thou little article is that both the Clintons have a long history of being liars and when you are a known liar it comes back to bite you even if you happen to be telling the truth. There is still no real proof of any of this other than the word of her toadies at the State Department who say what they are told to say.
It´s always the same story; nasty insults thrown at conservatives daily with not a peep from those like Parker; a little heat thrown at Democrats met with shock. Conservatives are accused of the most dastardly acts from the floor of both houses and the Whitehouse and its just politics. Give the same to the Democrats and it is just intolerable. It keeps the onus on Republicans to stay on the defensive as the party that wants to throw grandma out on the street and starve children. Parker´s piece is just her contribution to keep that label going so she will be invited to the right cocktail parties.
At her age a gastric bypass and facelift can be debilitating. She needs to recover in peace.
That does it. Of course this blood clot will ´dramatically´ affect Hillary´s memory and she will not remember anything prior to the election in November. I was wondering how she (and Obama) were going to get out of this one. They´re so slick - so clever - so sleazy and inventive.
Remember Hillary cut her teeth serving as a staffer on the Watergate committee, crucifying Republicans.
#43, exactly what I have been wondering. She lives in DC. What´s up with the New York hospital?
Good points #43 on the medical commute to New York. The DC commies have a rolodex for different occasions: They dial up Wesley Clark when they need a liberal minded general´s opinion; dial up New York Columbia Pres hospital when they need medical cover; dial up Elijah Cummings when they need some racial spin to guilt the opposition into caving to their point of view; dial up Keith Ellison when a muslim American perspective is needed for their pro-Sharia propaganda, etc.
People who like the sauce, fall a lot- breaking bones, hitting heads, etc. This is one´s first thought when it comes to Hillary. The second is avoidance of unpleasantness, The Benghazi inquisition looms, big time damage to reputation prevails. The last possibilities are the subdural hematoma, brain tumor, aneurysm. We have our pick. If it is one of the latter, forgive me for thinking the former.
Yes, any character problems that Hillary has, she created herself. She hid important files that had information about her fraudulent Whitewater case, and she then finds them months later. She lied under oath; she protected her lying husband. She did it all to herself.
I still suspect complications from facelift. It´s a serious surgery with lots of possible complications a few days later. Even the "plane crash" story would make a good coverup to explain bruises. Time will tell.
I still think her concussion could have been after a drunken bender. She is constantly photographed boozing it up.
#37, you might be right that one reason Kathleen Parker despises Sarah Palin, while admiring of Hillary Clinton is Parker´s envy of Palin´s looks.A bigger reason however is that Parker likes Hillary´s "pro-choice" position on abortion. And Palin, of course, is a shining embodiment of a woman living her pro-life beliefs.Whenever I see a RINO like Kathleen Parker or David Frum, all a-froth-at-the-mouth over Sarah Palin, I can´t help but think that a great deal of guilt lies behind their rabid Palin hatred.
Like I care. After all the c--- the Clinton´s pulled re: women he bedded or raped or seduced, and all the Arkansas land deals and all the rest...... PLUS I am so sick of hearing about what a great secretary of state she has been, as the Middle East falls in flames, the Pakistani Dr. who helped find Bin Laden gets sent up for 30 years and Netanyahu gets savaged........WHAT great secretary of state?
Hillary in agony knowing her lack of vigilance caused deaths? Come on. That´s why Kathleen P{raker writes for the Post---who else would have her?
Yeah,the life lift goes to the musles that have a nexus behind the ear,andthere surgon yses achook to snag em and pull them back and tie them off.It does occur behind the ear.Maybe she had a fight with someone and she got brained with a lamp ashtray or an award.
An empty cab pulled to the curb and Hillary Clinton alighted."Hello," she lied.
Remember when Hillary said:We shall have to take things away from you for the common good? Well Obama is doing that so that when Hillary gets elected she won´t have to. George Soros controls both.If accomplishment of your goals means success-then Obama is the most successful President in History.
Dear Hillary and dear Kathleen are both obviously victims of the Vast Right Wing Conspiracy./s/
Doesn´t she know where THAT sardines been!
Both Clintons have cried wolf too many times!This time Hillary needs to come forward, tell the truth, then we will discuss the future!
my favoritem part is about those people in the hinterland and the "news" they consume. scare quotes around news so even the thickest reader will get the point. oh kathleen we know you are among our intellectual and moral superiors
So now, as more details emerge, she seems to have what sounds like a subdural hematoma. Why would you "anticoagulate" a subdural hematoma, unless you wanted the patient to die.The press loses all curiosity and veracity when Dems are involved. This is the secretary of state. Where are the news conferences with her physicians?
Hillary doesn´t lie, she just misspeaks.
Mrs Clinton hade a lot of year end financial business to clean up before the democrat tax increase went into effect.She learned from her past experience in 1990 when she had to shelter her ill gotten gains before Slick Willie´s retroactive tax took effect.
all i can say is 900 FBI files, whitewater, vince foster, Mr. Brown (can´t remember first name) cattle futures...Web Hubble....hmmmm
sorr, i forgot the clinton´s body count,,makes a body wonder, doesn´t it
72 it was Ron Brown who died just befor his hearings where he was expected to tell all! Hilary knows death is nearby. To us a Saturday Night Live oldie: Her clot, NOT!
Parker makes a valid point about the bipartisan vitriolic nature of our present political system.This thread validates that." The rush to character assassination seemsto be our only bipartisan imperative andis a blight on our political system.In this brooding age of superstition and portent,every misspoken word is a lie,every human error a hanging offense."I believed in the beginning, like many ,that there was something funkyabout her stomach virus excuse.The medical information released by the State Dept has been vague and their refusal to give more detailed information,including the exact date on which she fell ,has fueled doubt.However, her doctors did issue a statement in early December , barely reported , that she was dehydrated and fell.How she was allowed to get to this state of severe dehydrationand why she was left alone to fall ,is still a mystery.The physicians are not lying about the clot andher anticoagulant treatment, but, I believe they are couching their statements and only releasing partial information.
Below, I have included a complete list of all John Bolton´s lies, obfuscations and cases of deceit or accusations of his being less than forthcoming.- - - No data found.- - -
Kathleen Mavourneen (in keeping with the tone of the OP) there are only two reasons to question Hillary´s character:Himself and Herself. And not necessarily in that order.
You mean Hillary Clinton who was named after Sir Edmund Hillary. Oh wait never mind.
More WaPo CrapMedia nonsense. Nobody feels sorry for Shrillary. I`m sure Kathleen Parker is going to do a story any day now on the character assassination of Bush 43, Romney and Sarah Palin.
Still think this is CYA BS so she does not have to testify.
Because the Clintons are pathological liars, it would be logical to not believe anything she says. Anyway, there was nothing wrong with her on 9/11 when she let Susan Rice take the heat for Benghazi
The fact that Lucianne no longer puts Org. and Author on their front page Headlines wastes not only the 1/100 of a second to click but the 1/100 of a second to click back...what a waste of time!
She´s a Democrat, a Clinton, politican what else needs to be said?
That is totally impossible with Hitlery.
Hillary paraphrased Lady Macbeth..."Ouch... damn clot... !!"Her machiavellian machinations and subterfuge will come back to byte her.That is, if she survives...Where was the jealous Moochelle "Don´t Let Them Eat Cake!!" Obama that night?Moochelle doesn´t want competition for 2016.Doncha know... ?
Kathleen, you silly twit. HilLIARy and Beelzebubba lie even when the truth would serve them better. There is no character in the house of Klintoon.
Scoreboard people!
We need to start talking about good people.
Relax. The pubs have already said that confirmation hearings associated with Lurch´s nomination as secretary of state will not move forward until after Hillary testifies regardless if she testifies as SoS or as an unemployed civilian.
Hillary is a pathological liar. She reported in 2008 that the Serbs were shooting at her in Bosnia and she and Chelsie had to duck and run for it all the way to an exposed limo, and that was a lie.I don´t know if Hillary is communist or just a dumb lesbian.
Since Hillary´s drunken stupor and fall from drinking too much fine beer and eating too many corn chips in Columbian bars, Moochelle can now dream of running for President in 2016. I am sure that Moochelle will get 96% of the feminists and 100% of the dumb lesbian vote.
Here´s how she got a concussion:http://www.eutimes.net/2012/12/clinton-injured-us-navy-seal-killed-in-secret-us-mission-to-iran/
Kathleen is from my neck of the woods and we use to be proud of her. Then she was the first "conservative" to eviserate Palin and kept at it. So, I realized what an empty person she was. Believe she got an award for bringing down Palin, just like Katie Couric got an award for doing the same thing. These two women are below all respect.


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Monday, July 19, 2010
The Clothing Swap: an Eco-Friendly Way to Fill Your Family's Closets for Free
I know it may seem hard to believe, but I do occasionally leave the house without my chicks. One of my child-free destinations is a bi-annual clothing swap in which I've participated since moving to Montreal. Twice a year--once in November, and once in June, I get together with a group of women, some of whom have been participating for close to fifteen years, to trade clothing we're no longer using.
Each woman shows up with a stack of clothes; some just bring a few things, and some bring two huge trash bags full. We take turns showing our wares and distributing them around the room to whoever lays claim. Women's clothing constitutes the majority of what is shared, but there is also usually some men's clothing, children's clothing, jewelry, shoes, hats, and other accessories.
Being poor and frugal, I jumped at the chance to go to my first clothing swap and made sure to firmly plant myself in the group as a continuing participant; there's no way I'm going to miss out on a room full of free clothes! The women are generally fashionable and up to date, so it's not as if I'm coming home with the polyester one-piece jumpsuits favored by my Intro to Sociology professor. In fact, several of the highlights of my otherwise relatively lackluster wardrobe have come from clothing swaps.
I've also gotten jewelry, children's clothing, and the occasional crazy/unique item to add to the chicks' dress-up collection.
The clothing swaps are a ton of fun. Before getting down to the serious business of wrestling over the best and fanciest duds, we all share a potluck, gossip, and catch up with those we haven't seen since the last swap. It's fun, social, eco-friendly, and free--my kind of activity. If you've never participated in a clothing swap, I encourage you to organize one. You really can't go wrong!
I've somehow accidentally volunteered myself to organize a clothing swap for children's clothes with the members of our community garden, so perhaps I will be posting about them again. I can envision doing this with all kinds of things: books, toys--the possibilities are endless.
**I linked this post to Steady Mom's 30 Minute Blog Challenge.
10 comments:
- Heidi said...
Sounds like a great opportunity for a little girl time AND fun expanding your wardrobe!
- July 20, 2010 at 8:36 AM
- MaryAnne said...
What a great idea! I need to see if there's something like this near where we live - and if not, maybe I can talk my mother's club into helping me organize one?
- July 20, 2010 at 9:20 AM
- Kara said...
oh, this sounds awesome!!! What fun!
Hmmmm .... wonder if there is something like this in my neck of the woods? I'm gonna have to do some searching/asking around ...
Best Wishes! - July 20, 2010 at 9:41 AM
- Andrea said...
A friend of mine hosts one of these every winter...unfortunately, most of her other friends are about size 0...so I don't come home with much (which is probably a good thing!)
- July 20, 2010 at 11:38 AM
- Sofia said...
That sounds great, totally up my alley too! I wonder if they have one already established here? How did you find out about yours?
I'm stopping by through Steady Mom's 30 Minute Challenge. I hope you'll do the same! You can find me @ http://sofiasideas.com/ - July 20, 2010 at 12:59 PM
- Leslie said...
Free clothes? amazing! I would love to go to one of those!
- July 20, 2010 at 4:41 PM
- D and A said...
Wow! How fun! That is a great idea too!
- July 20, 2010 at 4:50 PM
- Kelly said...
We do this informally in my group of friends, but it's mainly for kids' clothing. I love your ideas of expanding it to books and other fun things!
- July 20, 2010 at 11:10 PM
- Winkin, Blinkin & Nod said...
I have heard of this, but never done it before! What a grand idea! Might have to do this in the Fall!!!!!!
- July 21, 2010 at 10:54 AM
- d4t4d0g said...
I have been meaning to plan something like this and your post was a wonderful reminder that fall is on the way.
I am curious. How do you get people to feel comfortable to start claiming items they want? I imagine everyone being shy about it. - August 2, 2010 at 11:14 AM


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VALMEYER — In the midst of a long injury plagued and often times challenging season, the Lebanon Greyhounds are going home to play again.
Sophomore Kara Koester led a balanced attack with 14 points while several teammates stepped up and made big plays as Lebanon held off Metro-East Lutheran 55-51 on Thursday in the title game of the Class 1A Valmeyer Regional.
The Greyhounds (17-9), who led 39-34 after three quarters and maintained their advantage throughout the final period, fought off several Knights' comeback attempts in a frantic final four minutes.
But it wasn't until senior Hailey Cummings made one of two free throws with 3.4 seconds left that Lebanon could start celebrating its first regional title since 2006.
"It feels really good," Cummings said. "We've had to overcome a lot this season with injuries, but we stayed together and fought through it."
Freshman Mallory Schmitt added 11 points, while junior Ellie Krumsieg chipped in with 10 for the Greyhounds, who will host the Class 1A Sectional semifinals Monday.
Lebanon will take on Carrollton, which defeated Winchester 58-54 in the title game of the Greenfield Regional
"We get to play at least one more game at home and that's what we wanted to do," Lebanon coach Doug Schieppe said. "We didn't play that well a couple of days ago, but tonight we came in focused and ready to go.
"This team has had to fight through some adversity and injuries the last couple of years, but they kept on battling all the way. I'm as proud as I can be of them."
Having difficulty from the outset with the Knights' strong pressure, Lebanon was guilty of 25 turnovers.
While Schieppe was thrilled, Knights coach Rob Stock was heartbroken after a technical foul in the final minute may have cost his team a chance to prolong its season.
Trailing 51-46, the Knights' Madi Henderson hit a 3-pointer to cut the lead to two points with 34 seconds left.
But following a timeout, a technical foul was called on the Knights when freshman Sarah Paitz entered the game.
The foul was called because Paitz's uniform number was incorrect in the official scorebook.
Stock was devastated by his error.
"I'm very proud of the way my team fought and battled all night and to have it end because the coach didn't do his homework, is just heartbreaking. I feel terrible. It was my mistake. It was my error," Stock said. "We played hard from the outset and this was without question one of the best games we played all year.
"It's just tough to see it end this way."
Cummings made one of two free throws on the technical foul to make it 52-49.
Koester then made a free throw with 32 seconds left to extend the leda to four points. Metro East Lutheran (12-13) would get no close than two from that point on.
Getting nine first-half points from Schmitt, Lebanon built leads of 11-5 after one quarter and 28-25 at halftime.
The Knights, led by senior Jessica Jump's 17 points, tied the game twice in the third quarter. But baskets by Aileigh Wilken and Krumsieg put Lebanon up 39-34 heading into the final quarter.


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Proposed changes to the death certification process are set out in the Coroner and Justice Act 2009 (as amended by the Health and Social Care Act 2012) and are due to be implemented in April 2014. These changes will require the certified cause(s) of all deaths that are not investigated by a coroner to be independently scrutinised and confirmed by a locally appointed medical examiner. The underlying dataset (2.21 Mb Excel sheet) containing the medical practitioner proposed causes of death and medical examiner confirmed causes of death by pilot area is available to download from the website.
The introduction of medical examiners into the death certification process was piloted by the Department of Health in six areas across England and Wales, commencing in 2008. To provide an indication of the potential impact of medical examiner scrutiny on mortality statistics, the Office for National Statistics (ONS) carried out a case study investigating records from five of the six pilot areas. ONS was provided with information including the cause(s) of death proposed initially by the certifying medical practitioner and also the confirmed cause(s) of death following medical examiner scrutiny of the deceased's medical history and hospital notes.
Analysis showed that following scrutiny, medical examiners were more likely to add supplementary information to the death certificate. This often led to more conditions being mentioned and to the order in which they were presented on the cause of death certificate being altered. As a result there was a change to the underlying cause of death in 22 per cent of cases.
Changes to the death certification process were proposed following the Third Review of the Shipman Inquiry (Smith, 2003) and the Fundamental Review of Death Certification carried out by the Home Office (Luce, 2003). These Reviews highlighted a lack of transparency and inconsistencies in the cause of death information provided.
Responsibility for completing the Medical Certificate of Cause of Death (MCCD) often falls to a junior medical practitioner, who in many cases has received little or no formal training in death certification. Under new legislation introduced in Health and Social Care Act 2012, due to be implemented in April 2014, all deaths that do not require investigation by a coroner will undergo the independent scrutiny of a locally appointed Medical Examiner (see Background Note 1).
Deaths are reported to a coroner for further investigation when the death has been as a result of an accident, suicide, violence, neglect (by self or others), or industrial disease and deaths for which the cause is not known. Around 40 per cent of deaths are reported to the coroner. If the coroner decides not to investigate further, the deaths are referred back to the doctor for certification. Coroners certify around 21 per cent of deaths
It is estimated that around 500 medical practitioners, typically experienced senior doctors or senior GPs will be appointed to 170 full-time equivalent posts medical examiner posts across England and Wales, providing full geographic coverage. Medical examiners will confirm or certify the cause of all deaths in a local area that are not investigated by a coroner.
They will carry out an independent and proportionate scrutiny of relevant health records, examining the deceased person's body (in most cases) and in all cases discussing the death with a relative or other appropriate person. It is expected that this intervention will strengthen safeguards for the public, make the process simpler and more open for the bereaved and increase the quality of certification and data about causes of death (Department of Health, 2012).
Data were collected from five pilot areas: Sheffield, Gloucestershire, Powys, Mid Essex and Brighton and Hove (See Background Note 2). The pilot areas implemented the proposed system in slightly different ways in order to test the process in different contexts and local configurations.
Although there were differences in the processes for gathering the information between the pilots, each met the core requirement that the medical examiner carried out an independent and proportionate scrutiny of deaths to either confirm the cause or to identify cases that needed to be notified or referred to a coroner.
For each death record, two Medical Certificates of Cause of Death (MCCD) (see Background Note 3) were collected:
Cause of death proposed by the certifying medical practitioner before scrutiny by a medical examiner – proposed cause.
Cause of death confirmed by a medical examiner after scrutiny – confirmed cause.
The proposed and confirmed cause(s) of death submitted were not independent as the confirmation process required the doctor and medical examiner to discuss and agree the confirmed cause(s) and in some cases the certifying doctor contacted the medical examiner for advice before submission of the proposed causes.
Data on 5,112 deaths occurring in 2010 and 2011 were collected and analysed for this case study report. This represents approximately one per cent of all deaths that occur annually in England and Wales. The pilot areas chosen by the Department of Health were not statistically representative of England and Wales.
Deaths recorded in the study did not cover all types of establishment, since they were heavily weighted to hospital settings. In addition, all deaths occurring in infants aged under 28 days were excluded from the analysis as these deaths are recorded on a special death certificate.
Every cause of death stated on each of the MCCDs (both proposed and confirmed) was coded according to the International Classification of Diseases, Tenth Revision (ICD-10). Each ICD-10 code is an alphanumeric format of three or four characters.
The first letter represents a broad cause grouping - Chapter, for example 'C' is 'Cancer' and the last digit gives the most specific information, for example the site of occurrence. The number of conditions or diseases written on the MCCD is not always equal to the number of ICD-10 codes generated. For example, cause of death certificates which mention alcoholism and liver disease will be coded to a single ICD-10 code, K70 Alcoholic liver disease.
For each set of causes (proposed and confirmed) the underlying cause of death was selected using ICD-10 coding rules. The underlying cause of death is defined by the World Health Organisation as:
a) the disease or injury that initiated the train of events directly leading to death, or
b) the circumstances of the accident or violence that produced the fatal injury
The lowest line used on the MCCD (see background note 3) is generally the underlying cause of death but internationally agreed ICD-10 coding rules can select a different cause depending on the order that conditions are written on the MCCD.
Comparisons of both the underlying cause of death and all the causes mentioned on death certificates provided by the medical practitioner – the proposed cause - and following scrutiny by the medical examiner – the confirmed cause - were undertaken.
Table 1 shows the percentage of records with a matching underlying cause of death before and after medical examiner scrutiny for each pilot area.
Deaths where the underlying cause stated by the medical practitioner and the medical examiner were within the same ICD-10 chapter (broad grouping) can be considered to be of a similar nature; generally they affect the same bodily system, although the specific cause can still be very different.
Causes that matched on all four digits were coded to the same specific condition suggesting that the same or very similar wording was used by both the medical practitioner and the medical examiner.
Inspection of the coded certificates revealed that any difference in the information stated on death certificates that matched to the third digit compared with those that matched all four digits was often negligible. Change at the 4 digit level was generally instances where the medical examiner added more specific information.
For example, the fourth character changed from a 9 (unspecified) to a different number, indicating additional information. For example from 'Alcoholic liver disease, unspecified (K70.9)' to 'Alcoholic cirrhosis of liver (K70.3)'.
Pilot Area | Number of coded records | Matching ICD-10 chapter (per cent) | Matching ICD-10 code at 3 digits (per cent) | Matching ICD-10 code at 4 digits (per cent) |
Total | 5,112 | 88 | 80 | 78 |
Brighton | 787 | 85 | 73 | 69 |
Mid Essex | 1,200 | 98 | 95 | 94 |
Gloucestershire | 615 | 87 | 77 | 73 |
Powys | 349 | 96 | 90 | 88 |
Sheffield | 2,161 | 83 | 74 | 72 |
Overall the proposed and confirmed underlying cause of death matched at ICD chapter level in 88 per cent of cases. There was exact agreement (to 4 digits), in 78 per cent of cases, rising to 80 per cent when records matching to 3 digits were included.
Mid-Essex had the highest proportion of agreement between medical practitioner and medical examiner. The area with the lowest proportion of matching certificates was Brighton, where just under 70 per cent of death certificates were submitted with identical underlying causes.
Table 2 lists the underlying causes of death by ICD-10 chapter stated on the 5,112 certificates in this study by both the medical practitioner (proposed cause) and by the medical examiner (confirmed cause). The percentage change has only been calculated for chapters with over 100 records. Figures for chapters with low numbers of deaths should be treated with caution, since they will be more affected by random fluctuations than those with more deaths.
Following scrutiny by a medical examiner, there were 1 per cent more death certificates with an underlying cause of cancer (neoplasm), and an increase of 6 per cent in the proportion that were attributed to diseases of the circulatory system. While the percentage of deaths that were attributed to a respiratory disease underlying cause decreased by 7 per cent.
Reference Table 1 (62.5 Kb Excel sheet) provides an illustration of the movements between the ICD-10 chapters of proposed and confirmed underlying causes of deaths following scrutiny by the medical examiner.
The 1 per cent increase in deaths with an underlying cause of cancer was due to deaths being reclassified by the medical examiner from nearly all the other ICD chapters; 24 deaths from diseases of the respiratory system and a further 47 deaths from a variety of other causes. Conversely there were 52 deaths originally classified as being as a result of a cancer that were reclassified by the medical examiner, which resulted in a net increase of 19 deaths to deaths where the underlying cause was cancer.
The largest movement between chapters were 64 deaths with a proposed underlying cause of disease of the respiratory system (Chapter X), which were subsequently reclassified to diseases of the circulatory system (Chapter IX) by the medical examiner. However this was partly countered by 33 records moving in the opposite direction, from Chapter IX to Chapter X, following scrutiny by the medical examiner.
Diseases of the respiratory system were also recoded to several of the other chapters following scrutiny by the medical examiner – for example 24 records were reclassified to neoplasms (II) and 19 each to mental and behavioural disorders (V and to diseases of the nervous system (VI).
It was most common for both the medical practitioners and medical examiners to mention two conditions on the death certificate. However medical practitioners were more likely to report just one or two underlying causes on the death certificates compared with medical examiners (Figure 1). Conversely, medical examiners were more likely than the medical practitioner to state three or more conditions on the death certificate.
There were 179 death certificates (4 per cent of the total analysed) in which the same conditions were mentioned by both the medical practitioner and the medical examiner but in a different order.
A different order was defined as;
A change to the order of the conditions on a line.
Conditions mentioned on different lines in the same sequence.
Conditions mentioned on different lines and in a different order.
Almost 30 per cent of these (51 records) resulted in a change to the underlying cause ( Reference table 2 (62.5 Kb Excel sheet) ), while the underlying cause of the remaining records remained the same following scrutiny by the medical examiner ( Reference Table 3 (62.5 Kb Excel sheet) ).
Death certificates where only one condition was mentioned by either the medical practitioner or the medical examiner are presented by the underlying ICD-10 chapter in Table 3.
Number of certificates | |||
ICD-10 Chapter | Proposed cause | Confirmed cause | |
I | Certain infectious and parasitic diseases | 8 | 0 |
II | Neoplasms | 701 | 687 |
IV | Endocrine, nutritional and metabolic | 9 | 3 |
V | Mental and behavioural disorders | 45 | 31 |
VI | Diseases of the nervous system | 55 | 44 |
IX | Diseases of the circulatory system | 211 | 133 |
X | Diseases of the respiratory system | 199 | 166 |
XI | Diseases of the digestive system | 43 | 28 |
XIII | Diseases of the musculoskeletal system | 15 | 1 |
XIV | Diseases of the genitourinary system | 13 | 1 |
XVII | Congenital malformations | 1 | 0 |
XVIII | Symptoms, signs and ill-defined conditions | 21 | 25 |
XX | External causes | 2 | 0 |
Cancer (neoplasms) was the most common underlying cause (by ICD chapter) when either the medical practitioner or the medical examiner mentioned only one condition. Medical practitioners were more likely than the medical examiner to list the single cause of death as a disease of the respiratory or circulatory system.
Table 4 shows the number of records where the medical practitioner only proposed one cause, whether the medical examiner added more conditions and whether the underlying cause changed.
In 999 cases (75 per cent) where the medical practitioner only mentioned a single cause the medical examiner also only recorded one cause of death. In the majority of these cases the medical examiner made no changes at all to the proposed causes.
In nine of these cases the medical examiner gave a completely different cause of death to the cause proposed by the medical practitioner. In a further 64 cases the medical examiner made changes to the death certificate that resulted in a different underlying cause but that was classified to the same ICD-10 chapter implying that the medical examiner gave more specific details regarding the cause of death.
Extra conditions addded by the medical examiner | ||||
Yes | No | Total | ||
Change in underlying cause | No change | 132 | 926 | 1,058 |
Broad ICD-10 chapter the same | 82 | 64 | 146 | |
ICD-10 chapter different | 110 | 9 | 119 | |
Total | 324 | 999 | 1,323 |
In 324 cases (24 per cent) the medical examiner added at least one extra condition to the death certificate. These additional conditions changed the broad underlying cause of death chapter to a different chapter in 110 cases. In a further 82 cases, the addition of the extra conditions meant that the underlying cause chapter remained the same but the specific cause was different.
More details on the specific causes proposed and confirmed can be obtained from the underlying dataset (2.21 Mb Excel sheet) .
The pilot areas implemented the proposed system in slightly different ways in order to test the process in different contexts and local configurations. However these slight differences in process mean that the data are not statistically comparable across the study sample.
Although the medical examiner carried out an independent scrutiny of the deaths submitted in each case, the proposed and confirmed cause(s) of death were not statistically independent as the confirmation process requires the doctor and medical examiner to discuss and agree the confirmed cause(s) and in some cases the certifying doctor contacted the medical examiner for advice before completion of the proposed causes.
Records with missing data were excluded from the analysis. Particular problems occurred when the medical practitioner's cause of death statement was blank. In these cases a blank cause of death either implied that the doctor was unsure of the cause of death, and so did not submit any information separate from the medical examiner, or that the cause of death was unknown and was reported to a coroner.
In both cases the ICD code R99 'Unknown cause of mortality' was assigned, making it difficult to distinguish between the blank or missing causes and true unknowns. This means that it is not possible to use the case study data to comment on any potential impact of medical examiner scrutiny on the number of deaths referred to a coroner.
The pilot areas were not a statistically representative sample of deaths that occur in England and Wales. Deaths recorded in the study did not cover all types of establishment, since they were heavily weighted to hospital settings. Each year around 49 per cent of people die somewhere other than a hospital, for example in their own home (22 per cent); a hospice (5 per cent); a care home (19 per cent) or elsewhere (ONS, 2012).
The results of this study suggest that the introduction of medical examiner scrutiny of all medical practitioner certified deaths will impact on mortality statistics. Almost one fifth of death certificates had a different underlying cause of death following scrutiny by a medical examiner.
Medical examiner scrutiny can change the number, sequence and type of conditions mentioned on the medical certificate of cause of death. This suggests that medical examiners' analysis of the information relating to the cause of death, obtained both from the medical notes and in discussion with relatives, results in better understanding of the sequence of conditions that led to the death.
If the conditions and sequence are recorded more fully, this may lead to a change in the underlying cause of death. The results of this case study indicate that the medical examiner scrutiny is likely to affect trends in causes of death reported in mortality statistics
Improved data on the underlying cause of death and other conditions leading to death is important for medical researchers and other users. This study gives an indication of the impact on mortality statistics when two clinical opinions are given and agreement reached. However multiple clinical opinions do not always result in more accurate information (Byass, 2011).
More information recorded on the MCCD may even increase the number of errors (Swift and West, 2002). Without a comparison of the registered causes against autopsy results, as has been done in other studies (Ravakhah, 2006; Mckelvie, 1993) it is not possible to conclude with certainty from this small case study that more accurate information was being recorded on the MCCD following medical examiner scrutiny.
Data used in this case study of pilot areas implementing death certification reform can be downloaded in the Reference Tables workbook (62.5 Kb Excel sheet) .
The workbook contain the following tables:
Reference Table 1: Proposed and confirmed underlying cause of death by ICD-10 chapter , all pilot areas
Reference Table 2: ICD-10 chapter changes to the underlying cause of death as a result of the order of the conditions being changed medical examiner, all pilot areas
Reference Table 3: ICD-10 chapter of the underlying cause of death where the change in order of conditions made no difference, all pilot areas
The underlying dataset (2.21 Mb Excel sheet) containing the medical practitioner proposed causes of death and medical examiner confirmed causes of death by pilot area is also available to download from the website.
Maclaughlan Jennifer and Wells Claudia
Office for National Statistics
1. Byass P (2011) 'The democratic fallacy in matters of clinical opinion: implications for analysing cause of death data' Emerging Themes in Epidemiology, 8:1. Accessed on 23 November 2012
2. DH (2012) 'Death Certification Reforms Update – Newsletter Issue 1'. Accessed on 23 November 2012
3. Luce T (2003) 'Death Certification and the Coroner Services in England, Wales and Northern Ireland: The Report of a Fundamental Review'. TSO. Accessed on 23 November 2012
4. Mckelvie PA (1993) 'Medical certification of causes of death in an Australian metropolitan hospital. Comparison with autopsy findings and a critical review' Medical Journal of Australia, 158(12):816-8, 820-1. Accessed on 23 November 2012
5. ONS (2012) 'Mortality Statistics: Deaths registered in England and Wales (Series DR) - 2011'. Accessed on 23 November 2012
6. Ravakhah K (2006) 'Death certificates are not reliable: revivification of the autopsy'. South Med J 99(7): 728-33. Accessed on 23 November 2012
7. Smith J (2003) 'The Shipman Inquiry Third Report: Death Certification and the investigation of death by coroners'. TSO. Accessed on 23 November 2012
8. Swift and West (2002) 'Death certification: an audit of practice entering the 21st century'. Journal of Clinical Pathology 55:275-279. Accessed on 23 November 2012
Medical examiner training
Provision for the appointment of medical examiners was made under the Coroners and Justice Act 2009 and as amended in the Health and Social Care Act 2012, which transferred responsibility for setting up local; medical examiner services from Primary Care Trusts to Local Authorities. Medical examiners will receive training developed by the Royal College of Pathologists, as the Lead College for medical examiners and e-Learning for Healthcare, which will be delivered by a mixture of face-to-face and e-learning.
Pilot areas
Each of the five pilot areas implemented the new system in slightly different ways as detailed below:
i) Sheffield was the largest pilot, covering GP practices and four large hospitals within Sheffield Teaching Trust; the Northern General Hospital (where the majority of deaths occurred), Royal Hallamshire Hospital, Weston Park (a specialist oncology hospital) and the Children's Hospital. In this area, the details finally recorded on the MCCD were a result of discussions between the certifier and the medical examiner.
ii) The Gloucestershire pilot also grew throughout the data collection period, beginning with deaths from Gloucester Royal Hospital, and then expanding to include Cheltenham General Hospital and five GP surgeries as of August 2011. The certifying doctor recorded their proposed cause of death before discussing with a medical examiner. This was then reviewed by the medical examiner with the medical practitioner present, and the results of this discussion were then recorded on the MCCD for registration.
iii) Powys covers a large area of rural mid-Wales, so there was less face-to-face contact between the medical examiner and certifying medical practitioner. The medical examiner for Powys was based at one of the ten community hospitals involved in the pilot, which also covered four GP surgeries. In the main, the medical practitioner completed the certificate and sent it to the medical examiner for scrutiny, although the medical practitioners were aware of the pilot and occasionally requested advice from the medical examiner before completing the MCCD. Where discussions took place, this was documented and the information submitted to ONS. The medical examiner provided a letter of written feedback to the certifying medical practitioner after scrutiny of every death.
iv) The majority of records in the Essex area were from Broomfield Hospital, although GP practices from the Colne Valley area were added later in the pilot. Medical examiners were consultants at Broomfield, and completed their scrutiny at the Bereavement Office once the certifying medical practitioner had completed the referral forms. Following scrutiny, the certifying medical practitioner and medical examiner met to discuss the cause of death and any other issues following scrutiny. Once an agreement was reached, the MCCD was completed by the certifying medical practitioner.
v) The pilot in Brighton and Hove grew substantially over the course of the year. The medical practitioners and medical examiners were based at Royal Sussex County Hospital, which is where all of the deaths submitted occurred. Originally, medical examiners were providing advice to junior medical practitioners who were certifying the deaths, however this changed during the pilot so that the medical practitioner completed the MCCD independently of the medical examiner. The medical examiner then scrutinised the death and adjusted the MCCD if they felt this was appropriate.
Medical Certificate of Cause of Death
On the Medical Certificate of Cause of Death (MCCD) the certifying medical practitioner records the following:
Part I (a) Disease or condition directly leading to death
(b) Other disease or condition, if any, leading to 1(a)
(c) Other disease or condition, if any, leading to 1(b)
Part II Other significant conditions CONTRIBUTING TO THE DEATH but not related to the disease or condition causing it
Medical practitioners are required to complete the MCCD to the best of their knowledge and belief using their clinical judgement
Quality Information on Mortality Statistics
Statistics on mortality are derived from the information provided when deaths are certified and registered. Further information about the methods and quality of these statistics can be found in the Quality and Methodology Information report for Mortality Statistics available here:
Special extracts of data
Special extracts and tabulations of mortality data for England and Wales are available to order for a charge (subject to legal frameworks, disclosure control, resources and agreement of costs, where appropriate). Such requests or enquiries should be made to:
Mortality Analysis Team, Health and Life Events Division
Office for National Statistics
Government Buildings
Cardiff Road
Gwent NP10 8XG
Tel: +44 (0) 1633 456736
E-mail: email@example.com
The ONS charging policy is available on the ONS website.
Health and Life Events user engagement strategy
A s a valued user of our statistics, we would welcome feedback on this release. In particular, the content, format and structure. This is in line with the Health and Life Events user engagement strategy, available to download from the ONS website at: www.statistics.gov.uk/downloads/theme_health/hled-user-engagement-strategy.pdf
Please send feedback to the postal or e-mail address above.
National Statistics
National Statistics are produced to high professional standards set out in the Code of Practice for Official Statistics. They undergo regular quality assurance reviews to ensure that they meet customer needs. They are produced free from any political interference.
Details of the policy governing the release of new data are available by visiting www.statisticsauthority.gov.uk/assessment/code-of-practice/index.html or from the Media Relations Office email: email@example.com
Name | Phone | Department | |
Claudia Wells | +44 (0)1633 455867 | Life Events and Population Sources | firstname.lastname@example.com |


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February 4, 2013
Jason Stamm HokieHaven.com
It's been a busy off-season for junior Chris Frey and the LB with Virginia Tech interest could see his spring get a lot more hectic. ...More... To continue reading this article you must be a member. Sign Up Now for a FREE Trial
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<Skunkworks> is a guild for stellar players who cannot or do not want to commit to the time-intensive raid schedules of traditional, "hardcore" guilds. If you want to kill Deathwing, but your newly acquired significant other doesn't understand that, "fantasy thing" you do online, then we might be what you're looking for. We raided as <Casually Serious> for much of WotLK, but assumed the <Skunkworks> tag in the summer of 2010 to differentiate us from the many "Casual" and "Serious" guilds that populate WoW.
We raid Tuesdays and Thursdays from 7-11 PST, even after patch releases and during progression races. That's right, just 8 hours a week. Accordingly, we run a tight (30ish) roster with the expectation that our members achieve near 100% attendance. The guild was formed to take advantage of some of the, "casual friendly" changes brought by Wrath of the Lich King, and we have successfully pushed the limits of what can be achieved by great players on a casual schedule. In WotLK we obtained the Celestial Defender, Grand Crusader and Death's Demise titles. We completed all hard modes in Icecrown Citadel including a US70 Heroic Lich King kill and a US87 Heroic Halion kill. We plan to continue continue with high-level, 25-man progression raiding on a limited schedule in Cataclysm.
Progression nuts and bolts can be found at: WoW Guild Skunkworks :: WoWProgress - World of Warcraft Rankings and History. Loot is handled by /random with a "don't be a douche" clause, and loot council override. Balnazzar is a low-pop server centrally located with no queue, a surprisingly good economy, and a healthy battlegroup. Also feel free to visit our website at Skunkworks :: Balnazzar
Who we expect you to be:
Most of our raiders are older than the average WoW player and have significant work, social, or family obligations. If a free-for-all, X-rated, trolling environment sounds appealing, we're a poor fit for you. We are comfortable waiting for applicants who meet our demanding criteria rather than adding suboptimal players for a short-term fix.
To be considered for a raid spot your "button pushing" skills must be exceptional. But additionally, you must demonstrate above-average intelligence, a thorough understanding of game mechanics, a high level of maturity, a strong command of the English language, and above all a complete and total lack of epeening, douchebaggery, asshattery, and anything else that would make you unpleasant to be around. We all get paid to deal with idiots, why should we pay to spend our leisure time with them as well?
We are currently recruiting exceptional players.
If that sounds appealing and you meet our admittedly high expectations, then I can unequivocally promise you that Skunkworks will be the best online nerd experience you will ever have the pleasure of being a part of.
How to apply:
Apply via our forums (Skunkworks • View topic - How to apply! -- Raider). Private applications can be sent via PM to StormseerCS on these forums or Storm on the Skunkworks boards.
Ez-mode Application Template:
Tell us, as best you can and in whatever format you think will be most persuasive, why we should want you as a raider and guildmade. To be taken seriously, applications must include:
- Prominent links to relevant armory pages
- A guild history with reasons for departure
- The reason(s) you have chosen to apply to this guild
- WoL parses
- UI screenshots or fraps footage
Also, feel free to talk to one of our officers in game.


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"Humans are the most ubiquitous predators on earth," said Philip Kramer, director of the Caribbean program for the Nature Conservancy. "Instead of eating something like shark fin soup, why not eat a species that is causing harm, and with your meal make a positive contribution?"
Yesterday we touched on the issue of overfishing depleting global aquatic stocks, and talked about ecologically responsible farming as an alternative source of seafood. Another option, as the New York Times tell us, is to eat what's already out there in abundance— the problematically adaptable invasive species that come in and out-compete native populations, throwing off well-balanced ecosystems and cutting down on diversity.
This idea is nothing new to Bun Lai & his restaurant, Miya's, where he's had an invasive species menu in mind for a while. Right now it's still conceptual, but you can get invasive Asian shore crabs, which Bun and his crew hand-harvest from local beaches, on the insanely delicious Kanibaba roll. Miya's is known for its creative take on sushi and inventive, sometimes zany flavor combinations, so it makes perfect sense that Bun would have found the right way to use these lesser-known ingredients, and turn a pest invasion into an opportunity to eat really, really well.
Bun also recently bought a boat in the hopes of catching more of what's served in the restaurant himself, and we're thrilled to be taking the summer interns out to join him on it in a couple of weeks. We'll be diving for clams, talking about sustainable seafood, and enjoying all of the Long Island Sound's famous, um, charms. We'll be sure to bring back pictures and stories from the water— in the mean time, if you're in town, you should head over to Miya's to taste for yourself what Bun's been up to.


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Good Condition. Correct Headlamps, All Windows Work. ... More
Rolls-Royce 1961 Silver Cloud II, luxury sedan, loaded including a/c, lhd, GM motor, trans and brakes, all white, $45,900. Black Tie Classics, 888-590-2747; 700+... More
ROLLS-ROYCE: 1961 Silver Cloud II lwb saloon, silver over garnet with tan leather with claret piping, beautiful lhd example with 61,824 miles recorded, a/c,... More


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Some information is missing or invalid below.
For the guy on the go. This men's Timex Ironman 30-Lap Oversize chronograph digital watch will keep up with your every move.
Savings time. Purchase one select Timex watch, save $5. Purchase two select Timex watches, save $15. Offer valid on purchases made December 2-10, 2013. For more details, please view the Timex rebate here.
- Digital display with Indiglo® backlight makes reading easy.
- Chronograph with 30-lap memory recall measures elapsed and split times.
- Day, date, alarm and countdown features keep you on schedule.
- Black resin case with gray accents lends a sporty look.
- Adjustable black band promises a custom fit.
- Details:
- Water resistant to 330 feet
- Stainless steel back
- Battery operated
- Manufacturer's 1-year limited warranty
- Model no. T5K412 9J


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#BIEMH2012 ONA will exhibit the new ONA AF Modular machines with a cutting capacity of up to 800 mm in height - Hall 1, stand B-46 C-47
Last modified 17-05-2012
ONA, World leader in large & customized EDM machines, will be attending to the BIEMH exhibition, exhibiting its most advanced solutions of both die sinking and wire cutting electric discharge machines, highlighting as the main new exhibit, one ONA AF Modular wire EDM machine with a cutting capacity of up to 800 mm in height.
It should be noted that the new development from ONA is not a simple "column up", but offers a technological solution for industrialising the wire EDM process in very thick applications.
It combines a high performance stable cut in totally submerged mode along the 800 mm of the Z-axis travel, with the option of automatic threading with any thread type up to the maximum height.
ONA ELECTRO-EROSIÓN S.A., Tel +34 94 6200800 – Fax +34 94 6818548 - firstname.lastname@example.com– www.ona-electroerosion.com


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RICHARD, Margaret Elizabeth Gillies, 65, of Wellsburg, died Friday, Aug. 17, 2012, at home.
She was born Dec. 25, 1946, the daughter of the late William and Mary Vincent Gillies.
She was retired from Wesbanco in Wellsburg as a teller. She was a Christian by faith and a member the Wellsburg Women of the Moose and the Wellsburg Civic League.
Article Photos
She is survived by her husband, James Richard who she married on Dec. 22, 1967; one son, James William Richard of Wellsburg; and one daughter Denice Richard of Wellsburg; a brother-in-law, Charles Richard; and one sister-in-law, Sugar Swope; two grandchildren, Michael Allen Richard of Wellsburg and James William Richard Jr. of Mingo Junction; several nieces and nephews and many friends.
Visitation will be held on Tuesday, Aug. 21 from 2-4 and 6-8 p.m at Reasner Funeral Home, 1515 Charles St., Wellsburg, where services will be held on Wednesday, Aug. 22 at 11 a.m.
Interment will be at Franklin Cemetery, Wellsburg.
Condolences may be left at reasnerofwellsburg.com


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This article follows one published here recently ("Mediate To Overcome Cognitive Biases," Law Tribune, March 25, 2013) drawing on the insights of psychologist Daniel Kahneman from his seminal work, Thinking, Fast and Slow.
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Guest Commentary
Opinion: Acknowledging Our Ignorance Can Improve Dispute Resolution
The Connecticut Law Tribune
April 12, 2013
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By Meredith Horne
It was the touchdown heard around the world. You know what I'm talking about: Monday night's game between the Seattle Seahawks and Green Bay Packers, in which the final Hail Mary pass was caught by a Packers receiver, who was himself cradled in the arms of the Seahawk defender, and the stand-in officials awarded the points to Seattle for the win.
Oh, the outrage! Oh, the humanity! Our favorite pastime was ruined, and the country was a shambles because the zebras on the field made a horrible call.
But three days later, the heavens opened as the news came on and we learned that a deal had been reached. Thank you, sweet baby Jesus, the real referees were back on the field by Thursday night. Watching my morning CNN show, I know they referenced it at least five times in the 30 minutes it took for me to prepare for a day at work teaching.
Yes, teaching. You know, the same profession for which many of my colleagues walked the picket lines in Chicago just two weeks ago. There was a public outcry and outrage over their negotiations. But then, nobody was screaming at the TV to give them what they want so they would come back. Heck, I was one of the ones yelling, "Why do they need more money when they get paid an average of $78,000 a year?" As a teacher in North Carolina, I will never see $78,000 without going into administration. I was just about to start licking the stamps for applications postmarked for Chicago when they reached an agreement. Shucks!
But you know, $78,000 is a funny number. As I said before, that is what the average teacher gets paid in Chicago. That means there are some who get paid more than that, and some who get paid less. It is also the same amount that a first-year NFL referee gets paid. Yes. First year. $78,000. The average referee salary in 2011 was $149,000 - yet again, some earning more, some less. But thanks to the gods of the NFL, they will see an increase in that average salary, helping them garner a well-earned average of $205,000 by 2019.
I get that people love their football and have an inherent distrust in education. But perhaps our lack of faith in the education system today is a result of the current employment of the "replacement teachers" we have on staff in some situations. Yes, we do have some great teachers out there. But there are still a good number of educators who just go to school to earn the measly paycheck. And there's a whole host of college students right now who would be excellent teachers, but are choosing not to go into education because their abilities can earn them much more money somewhere else. I can't blame them. There are many times I wish I'd made the same decision.
So instead of having these innovative, progressive-thinking, engaging leaders in front of our students, we are left to settle with educators who will, like the replacement refs, come to work, do the bare minimum to get the job done, and then go home at the end of the day with no remorse for the poor job they did teaching your children. They are our replacement teachers - the ones we settle for when we can't get the real thing or refuse to pay what the real things are worth.
Let's face it: We are slowly climbing our way down the ladder of educational success in the world because we continue to cut education budgets. We continue to tell our teachers that their worth in our society is not important, especially when we get our panties all in a wad because our beloved gridiron is rocked by half-witted officials.
Every time someone gets excited that these "real refs" made a deal, every time someone posts a Facebook status exclaiming in celebration that they are back, it's a slap in the face to the people who take care of your children's future every day. In my world, you might as well say to me, "I'm so ecstatic they increased their pay to a salary you'll never receive - for doing a three-hour job, three times a week for one season!"
Believe me, it wouldn't hurt any worse.
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Oak Brook police and fire department to host first charity pancake breakfast
OAK BROOK – The Oak Brook police and fire departments will host their first annual charity pancake breakfast and open house.
Police officers, firefighters and paramedics will be working the griddle to serve up pancakes, sausages, juice, milk and coffee. After breakfast, guests are free to tour both departments and get an up-close view of the vehicles and equipment used to respond to emergencies.
The pancake breakfast will take place from 8 to 11 a.m. Oct. 5 at the Oak Brook Fire Department Station 94, 1200 Oak Brook Road. Donations of $5 are asked from adults and $3 for kids.
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Class Notes
Class Notes | Obituaries
Submit a Class Note or Obituary »
Showing class notes submitted in the last year by graduates in 1958
Bill Mowatt '58, M.A. '69 has recently retired from completing Team N Training marathons. Dr. Mowatt and his wife, Gail, have raised more than $75,000 for Leukemia-Lymphoma research, and now they both chair fundraising events for the Santa Cruz County Symphony. Bill still teaches the Shakespeare plays for Shakespeare Santa Cruz. They enjoy living in Santa Cruz with Mike, their lovable Airedale terrier.
Gary Gillmor '58, former mayor of Santa Clara and real estate businessman, will soon have a building named in his honor at Mission College.


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Christina Schwarz Biography
Christina Schwarz was raised in southern Wisconsin on farmland that has been in her family for generations. She has a B.A. and M.A. in English from Yale. Christina taught high school English while she was working on her first novel, Drowning Ruth, which was published in 2000 and was selected for Oprah's book club in September 2000. Her novels range from modern satire (All Is Vanity) to the chronicle of a contemporary marriage (So Long At the Fair) to gothic drama set in the past (Drowning Ruth). Her latest work, The Edge of the Earth is a return to a historical setting and a mysterious plot line. This biography was last updated on 01/25/2013.
A note about the biographies