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- 21 & over
- Two items minimum
Irvine, CA
Comedy Central Certified
Billy Gardell (Special Event)
Purchase Tickets
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Performing Artists (Click on Artist for Reviews and Previews)
Show Details
- Ticket Price: $25.00
- Door Time: 9:30 PM
- Show Type: Stand Up
21 & over
Two items minimum
Billy Gardell makes two appearances at the Wild West Comedy Festival. He presents his solo stand-up show on Thursday, May 15th at Zanies. Billy's stories about his rough childhood, wild adolescence and new family life are executed with the skill of a master craftsman. His grounded, down-to-earth point of view strikes a strong chord with audiences across America.
On Wednesday, May 14th, he'll join fellow comedians Ron White, Ralphie May, Kathleen Madigan, James Gregory and Killer Beaz in "Friends of Tim: A Comedic Celebration of the Life of Tim Wilson." The night of comedy will celebrate the life of Tim Wilson, a Nashville resident comedian who passed away on February 26th. Tim was well loved both by Nashville locals and fans across the country. All proceeds from the show will benefit the Tim Wilson Memorial Fund.
Billy stars in the CBS hit television series, Mike & Molly as Officer Mike Biggs. Before Mike & Molly, Gardell co-starred in the critically acclaimed television series Lucky. His other television credits include Yes Dear, Judging Amy, My Name is Earl, The Practice, Monk and Gary the Rat. He made his major motion picture debut alongside Anthony Quinn and Sylvester Stallone in Avenging Angelo, and had a memorable scene with Billy Bob Thornton in the Cohen Brother's film Bad Santa. He also appeared in You, Me & Dupree, and Undrafted. He will appear next in the upcoming Clint Eastwood directed film, Jersey Boys. His comedy specials Billy Gardell: Halftime premiered on Comedy Central and Billy Gardell Presents Road Dogs premiered on Showtime.


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In its third year, the 2010 Survey of Health Care Consumers found that, despite difficult economic times and the ongoing health reform debate, consumers' attitudes about the U.S. health care system remain largely unchanged from 2009 to 2010.
Since 2008, the Deloitte Center for Health Solutions has conducted its annual survey of health care consumers to assess behaviors, attitudes and unmet needs, and to quantify year-to-year changes. The significant role that consumers play in health care is often under-reported or discounted. Consumerism in health care is a complex theme; it embraces how people care for themselves and others, how they use their time and money and how they choose providers, insurance plans and treatment options consistent with their needs and values. Explore the research findings below.

subset: commoncrawl


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Mercury Fund
Mercury Fund is a seed-stage venture capital firm that makes equity investments in compelling and novel software and science-based startup opportunities. Mercury partners with extraordinary entrepreneurs to build globally competitive businesses, focusing on technology innovation originating in the U.S. Midcontinent. Our firm has a particular interest in startups associated with seed accelerators, incubators and universities. We frequently invest prior to the formation of a business plan or complete management team.
Since inception in 2005, Mercury Fund has become one of the most active seed-stage venture firms in the Midcontinent, becoming a "go-to" fund for entrepreneurs at the earliest stages of idea generation, company formation, and market execution.


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Detroit Weather
Severe Weather
Current Watches and Warnings
Utah, Canyonlands/Natural Bridges
Special Statement
Statement as of 3:02 PM MDT on October 25, 2014
Expires 5:15 PM EDT on October 26, 2014
A noticeable change to the weather will be arriving to eastern
Utah and western Colorado over the next 24 to 48 hours. A Pacific
storm system will be sweeping eastward beginning tonight and
arrive to the Great Plains by Monday morning. Showers will be
possible over the higher terrain of northern Utah and western
Colorado by sunrise tomorrow. The record high temperatures of
Saturday will move by the Wayside as highs cool some 5 to 10
degrees under the cloud cover on Sunday. The period of focus for
the passing storm system will be Sunday evening into the early
morning hours on Monday as the cold front passes through. Snow
showers will become more widespread over the northern and central
Colorado high country as colder air filters in. Snow amounts will
generally be in the 1-3 inch range above 9000 feet with some
impact to Rabbit Ears and Vail passes possible. As the storm winds
down on Monday cold air will be filtering into the region. Clear
skies by Monday evening will bring favorable conditions for
widespread freezing conditions to the lower valleys of western
Colorado and northeast Utah.
Record Report
Statement as of 5:53 PM MDT on October 25, 2014
... Record high temperature set at Grand Junction co today...
At 3:17 PM MDT, the temperature at the Grand Junction co regional
Airport reached a final high of 77 degrees. This set a new record
high for today, breaking the previous record of 75, set in 1977.
- Alabama - Dense Fog Advisory
Dense Fog Advisory - Colbert, Cullman, De Kalb, Franklin, Jackson, Lauderdale, Lawrence, Limestone, Madison, Marshall, Morgan
- Alaska - High Surf Advisory , Wind Advisory , High Wind Warning , High Wind Watch , Blizzard Watch
High Surf Advisory - Eastern Norton Sound and Nulato Hills, Southern Seward Peninsula Coast, St Lawrence Island and Bering Strait Coast, Yukon Delta
Wind Advisory - Upper Kuskokwim Valley
High Wind Warning - St Lawrence Island and Bering Strait Coast
High Wind Watch - Denali, Eastern Alaska Range
Blizzard Watch - Northeastern Brooks Range, Southeastern Brooks Range
- Arizona - Record Report
Record Report - Baboquivari Mountains including Kitt Peak, Black Mesa Area, Chinle Valley, Chiricahua Mountains including Chiricahua National Monument, Chuska Mountains and Defiance Plateau, Coconino Plateau, Dragoon/Mule/Huachuca and Santa Rita Mountains including Bisbee/Canelo Hills/Madera Canyon, Eastern Cochise County Below 5000 Feet including Douglas/Willcox, Eastern Mogollon Rim, Galiuro and Pinaleno Mountains including Mount Graham, Grand Canyon Country, Greater Phoenix Area, Kaibab Plateau, Little Colorado River Valley in Apache County, Little Colorado River Valley in Coconino County, Little Colorado River Valley in Navajo County, Lower Colorado River Valley AZ, Marble and Glen Canyons, Northeast Plateaus and Mesas Hwy 264 Northward, Northeast Plateaus and Mesas South of Hwy 264, Northern Gila County, Northwest and North Central Pinal County, Northwest Maricopa County, Oak Creek and Sycamore Canyons, Santa Catalina and Rincon Mountains including Mount Lemmon/Summerhaven, South Central Pinal County including Eloy/Picacho Peak State Park, Southeast Pinal County including Kearny/Mammoth/Oracle, Southern Gila/Tonto NF Foothills, Southwest Deserts, Southwest Maricopa County, Tohono O'odham Nation including Sells, Tucson Metro Area including Tucson/Green Valley/Marana/Vail, Upper Gila River and Aravaipa Valleys including Clifton/Safford, Upper San Pedro River Valley including Sierra Vista/Benson, Upper Santa Cruz River and Altar Valleys including Nogales, West Central Deserts, Western Mogollon Rim, Western Pima County Including Ajo/Organ Pipe Cactus National Monument, White Mountains, White Mountains of Graham and Greenlee Counties including Hannagan Meadow, Yavapai County Mountains, Yavapai County Valleys and Basins, Yuma/Martinez Lake and Vicinity
- Arkansas - Dense Fog Advisory
- California - High Surf Advisory , Wind Advisory , Beach Hazard Statement , Record Report , Public Information Statement
High Surf Advisory - San Luis Obispo County Central Coast, Santa Barbara County Central Coast
Wind Advisory - Eastern Sierra Slopes of Inyo County, Owens Valley
Beach Hazard Statement - Los Angeles County Coast including Downtown Los Angeles, Orange County Coastal Areas, San Diego County Coastal Areas, Ventura County Coast
Record Report - Imperial County, Joshua Tree National Park, Lower Colorado River Valley CA, Riverside County/Eastern Deserts
Public Information Statement - Burney Basin / Eastern Shasta County, Carquinez Strait and Delta, Central Sacramento Valley, Clear Lake/Southern Lake County, East-Central San Joaquin Valley, Indian Wells Valley, Kern County Mountains, Mariposa, Madera, and Fresno County Foothills, Motherlode, Mountains Southwestern Shasta County to Northern Lake County, Northeast Foothills/Sacramento Valley, Northern Sacramento Valley, Northern San Joaquin Valley, Shasta Lake Area / Northern Shasta County, Sierra Nevada from Yosemite to Kings Canyon, Southeastern Kern County Desert, Southeastern San Joaquin Valley, Southern Sacramento Valley, Southwestern San Joaquin Valley, Tulare County Foothills, Tulare County Mountains, West Slope Northern Sierra Nevada, West-Central San Joaquin Valley, Western Plumas County/Lassen Park
- Colorado - Special Statement , Record Report , Public Information Statement
Special Statement - Animas River Basin, Central Colorado River Basin, Central Gunnison and Uncompahgre River Basin, Central Yampa River Basin, Debeque to Silt Corridor, Elkhead and Park Mountains, Flattops, Four Corners/Upper Dolores River, Gore and Elk Mountains/Central Mountain Valleys, Grand and Battlement Mesas, Grand Valley, Lower Yampa River Basin, Northwestern San Juan Mountains, Paradox Valley/Lower Dolores River, Roan and Tavaputs Plateaus, San Juan River Basin, Southwest San Juan Mountains, Uncompahgre Plateau/Dallas Divide, Upper Gunnison River Valley, Upper Yampa River Basin, West Elk and Sawatch Mountains
Record Report - Alamosa Vicinity/Central San Luis Valley Below 8500 Ft, Animas River Basin, Boulder And Jefferson Counties Below 6000 Feet/West Broomfield County, Canon City Vicinity/Eastern Fremont County, Central and East Adams and Arapahoe Counties, Central and South Weld County, Central and Southeast Park County, Central Chaffee County Below 9000 Ft, Central Colorado River Basin, Central Gunnison and Uncompahgre River Basin, Central Yampa River Basin, Cheyenne County, Colorado Springs Vicinity/Southern El Paso County/Rampart Range Below 7400 Ft, Crowley County, Debeque to Silt Corridor, Del Norte Vicinity/Northern San Luis Valley Below 8500 Ft, Eastern Kiowa County, Eastern Las Animas County, Eastern San Juan Mountains Above 10000 Ft, Eastern Sawatch Mountains above 11000 Ft, Elbert/Central and East Douglas Counties Above 6000 Feet, Elkhead and Park Mountains, Flattops, Four Corners/Upper Dolores River, Gore and Elk Mountains/Central Mountain Valleys, Grand and Battlement Mesas, Grand and Summit Counties Below 9000 Feet, Grand Valley, Jackson County Below 9000 Feet, Jefferson and West Douglas Counties Above 6000 Feet/Gilpin/Clear Creek/Northeast Park Counties Below 9000 Feet, Kit Carson County, La Garita Mountains Above 10000 Ft, La Junta Vicinity/Otero County, Lamar Vicinity/Prowers County, Larimer and Boulder Counties Between 6000 and 9000 Feet, Larimer County Below 6000 Feet/Northwest Weld County, Las Animas Vicinity/Bent County, Leadville Vicinity/Lake County Below 11000 Ft, Logan County, Lower Yampa River Basin, Morgan County, North and Northeast Elbert County Below 6000 Feet/North Lincoln County, North Douglas County Below 6000 Feet/Denver/West Adams and Arapahoe Counties/East Broomfield County, Northeast Weld County, Northern El Paso County/Monument Ridge/Rampart Range Below 7500 Ft, Northern Sangre de Cristo Mountains above 11000 Ft, Northern Sangre de Cristo Mountains Between 8500 And 11000 Ft, Northwestern Fremont County Above 8500Ft, Northwestern San Juan Mountains, Paradox Valley/Lower Dolores River, Phillips County, Pikes Peak above 11000 Ft, Pueblo Vicinity/Pueblo County Below 6300 Feet, Roan and Tavaputs Plateaus, Saguache County East of Continental Divide below 10000 Ft, Saguache County West of Continental Divide Below 10000 Ft, San Juan River Basin, Sedgwick County, South and East Jackson/Larimer/North and Northeast Grand/Northwest Boulder Counties Above 9000 Feet, South and Southeast Grand/West Central and Southwest Boulder/Gilpin/Clear Creek/Summit/North and West Park Counties Above 9000 Feet, Southeast Elbert County Below 6000 Feet/South Lincoln County, Southern San Luis Valley, Southern Sangre De Cristo Mountains Above 11000 Ft, Southern Sangre De Cristo Mountains Between 7500 and 11000 Ft, Southwest San Juan Mountains, Springfield Vicinity/Baca County, Teller County/Rampart Range above 7500fT/Pike's Peak Between 7500 And 11000 Ft, Trinidad Vicinity/Western Las Animas County Below 7500 Ft, Uncompahgre Plateau/Dallas Divide, Upper Gunnison River Valley, Upper Rio Grande Valley/Eastern San Juan Mountains Below 10000 Ft, Upper Yampa River Basin, Walsenburg Vicinity/Upper Huerfano River Basin Below 7500 Ft, Washington County, West Elk and Sawatch Mountains, West Jackson and West Grand Counties Above 9000 Feet, Western Chaffee County Between 9000 and 11000 Ft, Western Kiowa County, Western Mosquito Range/East Chaffee County above 9000Ft, Western Mosquito Range/East Lake County Above 11000 Ft, Western/Central Fremont County Below 8500 Ft, Wet Mountain Valley Below 8500 Ft, Wet Mountains above 10000 Ft, Wet Mountains between 6300 and 10000Ft, Yuma County
Public Information Statement - Boulder And Jefferson Counties Below 6000 Feet/West Broomfield County, Central and East Adams and Arapahoe Counties, Central and South Weld County, Central and Southeast Park County, Elbert/Central and East Douglas Counties Above 6000 Feet, Grand and Summit Counties Below 9000 Feet, Jackson County Below 9000 Feet, Jefferson and West Douglas Counties Above 6000 Feet/Gilpin/Clear Creek/Northeast Park Counties Below 9000 Feet, Larimer and Boulder Counties Between 6000 and 9000 Feet, Larimer County Below 6000 Feet/Northwest Weld County, Logan County, Morgan County, North and Northeast Elbert County Below 6000 Feet/North Lincoln County, North Douglas County Below 6000 Feet/Denver/West Adams and Arapahoe Counties/East Broomfield County, Northeast Weld County, Phillips County, Sedgwick County, South and East Jackson/Larimer/North and Northeast Grand/Northwest Boulder Counties Above 9000 Feet, South and Southeast Grand/West Central and Southwest Boulder/Gilpin/Clear Creek/Summit/North and West Park Counties Above 9000 Feet, Southeast Elbert County Below 6000 Feet/South Lincoln County, Washington County, West Jackson and West Grand Counties Above 9000 Feet
- Connecticut - Special Statement
- Guam - High Surf Advisory
- Idaho - High Wind Advisory , Wind Advisory , Record Report , Public Information Statement
High Wind Advisory - Orofino/Grangeville Region
Wind Advisory - Lower Snake River Plain, Upper Snake River Plain
Record Report - Big and Little Wood River Region, Cache Valley/Idaho Portion, Caribou Highlands, Eastern Magic Valley, Lost River/Pashimeroi, Lower Snake River Plain, Sawtooth Mountains, South Central Highlands, Upper Snake Highlands, Upper Snake River Plain, Wasatch Mountains/Idaho Portion
Public Information Statement - Eastern Lemhi County, Lower Hells Canyon/Salmon River Region, Northern Clearwater Mountains, Orofino/Grangeville Region, Southern Clearwater Mountains, Western Lemhi County
- Illinois - Special Statement
Special Statement - Alexander, Gallatin, Hardin, Jackson, Johnson, Massac, Pope, Pulaski, Saline, Union, Williamson
- Iowa - Public Information Statement
Public Information Statement - Adair, Adams, Appanoose, Audubon, Black Hawk, Boone, Bremer, Butler, Calhoun, Carroll, Cass, Cerro Gordo, Clarke, Crawford, Dallas, Davis, Decatur, Emmet, Franklin, Greene, Grundy, Guthrie, Hamilton, Hancock, Hardin, Humboldt, Jasper, Kossuth, Lucas, Madison, Mahaska, Marion, Marshall, Monroe, Palo Alto, Pocahontas, Polk, Poweshiek, Ringgold, Sac, Story, Tama, Taylor, Union, Wapello, Warren, Wayne, Webster, Winnebago, Worth, Wright
- Kansas - Record Report
Record Report - Allen, Barton, Bourbon, Butler, Chase, Chautauqua, Cherokee, Cheyenne, Cowley, Crawford, Decatur, Elk, Ellsworth, Gove, Graham, Greeley, Greenwood, Harper, Harvey, Kingman, Labette, Lincoln, Logan, Marion, McPherson, Montgomery, Neosho, Norton, Rawlins, Reno, Rice, Russell, Saline, Sedgwick, Sheridan, Sherman, Sumner, Thomas, Wallace, Wichita, Wilson, Woodson
- Kentucky - Dense Fog Advisory , Special Statement
Dense Fog Advisory - Adair, Allen, Barren, Bell, Butler, Casey, Clay, Clinton, Cumberland, Edmonson, Grayson, Green, Harlan, Hart, Jackson, Knox, Laurel, Leslie, Lincoln, Logan, McCreary, Metcalf, Monroe, Ohio, Pulaski, Rockcastle, Russell, Simpson, Taylor, Warren, Wayne, Whitley
Special Statement - Ballard, Caldwell, Calloway, Carlisle, Christian, Crittenden, Fulton, Graves, Hickman, Hopkins, Livingston, Lyon, Marshall, McCracken, McLean, Muhlenberg, Todd, Trigg, Union, Webster
- Louisiana - Special Statement
Special Statement - Acadia, Calcasieu, East Cameron, Iberia, Jefferson Davis, Lafayette, Lower St. Martin, St. Mary, Upper St. Martin, Vermilion, West Cameron
- Mississippi - Dense Fog Advisory
Dense Fog Advisory - Alcorn, Benton, Chickasaw, Itawamba, Lee, Monroe, Pontotoc, Prentiss, Tippah, Tishomingo, Union
- Missouri - Dense Fog Advisory , Special Statement , Record Report
Dense Fog Advisory - Dunklin, Pemiscot
Special Statement - Bollinger, Butler, Cape Girardeau, Carter, Mississippi, New Madrid, Perry, Ripley, Scott, Stoddard, Wayne
Record Report - Barry, Barton, Benton, Camden, Cedar, Christian, Dade, Dallas, Dent, Douglas, Greene, Hickory, Howell, Jasper, Laclede, Lawrence, Maries, McDonald, Miller, Morgan, Newton, Oregon, Ozark, Phelps, Polk, Pulaski, Shannon, St. Clair, Stone, Taney, Texas, Vernon, Webster, Wright
- Montana - Lake Wind Advisory , High Wind Warning , Public Information Statement
Lake Wind Advisory - Central and Southeast Phillips, Central and Southern Valley, Garfield, McCone, Petroleum
High Wind Warning - Eastern Glacier, Northern Rocky Mountain Front, Southern Rocky Mountain Front
Public Information Statement - Bitterroot/Sapphire Mountains, Butte/Blackfoot Region, Flathead/Mission Valleys, Kootenai/Cabinet Region, Lower Clark Fork Region, Missoula/Bitterroot Valleys, Potomac/Seeley Lake Region, West Glacier Region
- Nebraska - Record Report
Record Report - Dundy, Hitchcock, Red Willow
- Nevada - Wind Advisory
Wind Advisory - Spring Mountains-Red Rock Canyon
- New York - Public Information Statement
Public Information Statement - Broome, Chemung, Chenango, Cortland, Delaware, Madison, Northern Oneida, Onondaga, Otsego, Schuyler, Seneca, Southern Cayuga, Southern Oneida, Steuben, Sullivan, Tioga, Tompkins, Yates
- Oklahoma - Record Report
Record Report - Alfalfa, Atoka, Beaver, Beckham, Blaine, Bryan, Caddo, Canadian, Carter, Cimarron, Cleveland, Coal, Comanche, Cotton, Custer, Dewey, Ellis, Garfield, Garvin, Grady, Grant, Greer, Harmon, Harper, Hughes, Jackson, Jefferson, Johnston, Kay, Kingfisher, Kiowa, Lincoln, Logan, Love, Major, Marshall, McClain, Murray, Noble, Oklahoma, Payne, Pontotoc, Pottawatomie, Roger Mills, Seminole, Stephens, Texas, Tillman, Washita, Woods, Woodward
- Oregon - Wind Advisory , Public Information Statement
Wind Advisory - Foothills of the Northern Blue Mountains of Oregon, Foothills of the Southern Blue Mountains of Oregon, Lower Columbia Basin of Oregon, North Central Oregon
Public Information Statement - Cascade Foothills in Lane County, Cascades in Lane County, Central Coast Range of Western Oregon, Central Columbia River Gorge, Central Oregon Coast, Central Willamette Valley, Coast Range of Northwest Oregon, Greater Portland Metro Area, Lower Columbia, North Oregon Coast, Northern Oregon Cascade Foothills, Northern Oregon Cascades, South Willamette Valley, Upper Hood River Valley, Western Columbia River Gorge
- Pennsylvania - Public Information Statement
Public Information Statement - Bradford, Lackawanna, Luzerne, Northern Wayne, Pike, Southern Wayne, Susquehanna, Wyoming
- Tennessee - Dense Fog Advisory
Dense Fog Advisory - Bedford, Benton, Cannon, Carroll, Cheatham, Chester, Clay, Coffee, Crockett, Cumberland, Davidson, De Kalb, Decatur, Dickson, Dyer, Fayette, Fentress, Franklin, Gibson, Giles, Grundy, Hardeman, Hardin, Haywood, Henderson, Henry, Hickman, Houston, Humphreys, Jackson, Lake, Lauderdale, Lawrence, Lewis, Lincoln, Macon, Madison, Marshall, Maury, McNairy, Montgomery, Moore, Obion, Overton, Perry, Pickett, Putnam, Robertson, Rutherford, Smith, Stewart, Sumner, Tipton, Trousdale, Van Buren, Warren, Wayne, Weakley, White, Williamson, Wilson
- Texas - Special Statement , Record Report
Special Statement - Jefferson, Orange
Record Report - Archer, Armstrong, Baylor, Carson, Clay, Collingsworth, Dallam, Deaf Smith, Donley, Foard, Gray, Hansford, Hardeman, Hartley, Hemphill, Hutchinson, Knox, Lipscomb, Moore, Ochiltree, Oldham, Potter, Randall, Roberts, Sherman, Wheeler, Wichita, Wilbarger
- Utah - Special Statement , Record Report
Special Statement - Arches/Grand Flat, Canyonlands/Natural Bridges, Eastern Uinta Basin, Eastern Uinta Mountains, La Sal and Abajo Mountains, Southeast Utah, Tavaputs Plateau
Record Report - Arches/Grand Flat, Cache Valley/Utah Portion, Canyonlands/Natural Bridges, Castle Country, Central and Southwest Mountains, Eastern Uinta Basin, Eastern Uinta Mountains, Glen Canyon Recreation Area/Lake Powell, Great Salt Lake Desert and Mountains, La Sal and Abajo Mountains, Northern Wasatch Front, Salt Lake and Tooele Valleys, San Rafael Swell, Sanpete/Sevier Valleys, South Central Utah, Southeast Utah, Southern Utah Mountains, Southern Wasatch Front, Southwest Utah, Tavaputs Plateau, Utah's Dixie and Zion National Park, Wasatch Mountain Valleys, Wasatch Mountains I-80 North, Wasatch Mountains South of I-80, Wasatch Plateau/Book Cliffs, West Central Utah, Western Uinta Basin, Western Uinta Mountains
- Virginia - Special Statement
Special Statement - Albemarle, Alleghany, Amherst, Augusta, Bath, Bedford, Botetourt, Carroll, Craig, Eastern Highland, Floyd, Franklin, Montgomery, Nelson, Patrick, Pulaski, Roanoke, Rockbridge, Western Highland, Wythe
- Washington - Flood Warning , Wind Advisory , Public Information Statement
Flood Warning - Hood Canal Area, Lower Chehalis Valley Area, Olympics
Wind Advisory - Admiralty Inlet Area, East Puget Sound Lowlands, Foothills of the Blue Mountains of Washington, Lower Columbia Basin of Washington, Lower Garfield and Asotin Counties, San Juan County, Simcoe Highlands, Spokane Area, Upper Columbia Basin, Washington Palouse, Western Skagit County, Western Whatcom County
Public Information Statement - Admiralty Inlet Area, Bellevue and Vicinity, Bremerton and Vicinity, Central Coast, Central Columbia River Gorge, East Puget Sound Lowlands, Eastern Strait of Juan de Fuca, Everett and Vicinity, Greater Vancouver Area, Hood Canal Area, Lower Chehalis Valley Area, Lower Columbia and I - 5 Corridor in Cowlitz County, North Coast, Olympics, San Juan County, Seattle and Vicinity, South Washington Cascade Foothills, South Washington Cascades, South Washington Coast, Southwest Interior, Tacoma Area, West Slopes North Cascades and Passes, West Slopes North Central Cascades and Passes, West Slopes South Central Cascades and Passes, Western Columbia River Gorge, Western Skagit County, Western Strait of Juan De Fuca, Western Whatcom County, Willapa Hills
- Wyoming - High Wind Warning , Special Statement , Record Report
High Wind Warning - Absaroka Mountains, Cody Foothills, North Snowy Range Foothills
Special Statement - Green Mountains and Rattlesnake Range, Jackson Hole, Natrona County Lower Elevations, Salt River and Wyoming Ranges, Star Valley, Teton and Gros Ventre Mountains, Wind River Mountains East, Yellowstone National Park
Record Report - Absaroka Mountains, Bighorn Mountains Southeast, Bighorn Mountains West, Casper Mountain, Cody Foothills, East Sweetwater County, Flaming Gorge, Green Mountains and Rattlesnake Range, Jackson Hole, Lander Foothills, Natrona County Lower Elevations, North Big Horn Basin, Northeast Johnson County, Owl Creek and Bridger Mountains, Rock Springs and Green River, Salt River and Wyoming Ranges, South Lincoln County, Southeast Big Horn Basin, Southeast Johnson County, Southwest Big Horn Basin, Southwest Wyoming, Star Valley, Teton and Gros Ventre Mountains, Upper Green River Basin, Upper Green River Basin Foothills, Upper Wind River Basin, Wind River Basin, Wind River Mountains East, Wind River Mountains West, Yellowstone National Park


text:
Warren is running for the seat occupied by Republican Sen. Scott Brown.
"Elizabeth Warren is a strong champion of progressive values and a powerful advocate for America's middle class," said McGovern, who announced the endorsement after visiting Worcester with the candidate. "Massachusetts needs Elizabeth's voice in the United States Senate to take on Wall Street and the other powerful interests in Washington."
McGovern, D-3rd, is currently serving his eighth term in Congress.
"Congressman McGovern has fought tirelessly on behalf of Massachusetts' families during his time in Congress," Warren said. "I look forward to working with him to get our economy moving again and to help rebuild our middle class."


text:
Miami Co. - Paola THIS CLASS IS FULL
Location: Hillsdale State Park Office
Type: Hunter Ed Internet assisted field day and testing session
Date: Saturday, November 01, 2014
Time: 9:00 am - 4:00 pm
Other Information:
Registration will open online at safehunters.com starting 10/2/2014.
Students must complete the online portion of the course prior to attending the field day. The online course is accessed by links at http://kdwpt.state.ks.us/news/Services/Education/Hunter/Internet-assisted-Course. Each student will be issued a pre-test over the online materials.
All students will be tested over the Internet course material. This pre-test will be administered at the beginning of the Field Day. A passing score of 22 correct answers out of 25 questions is required to proceed with the rest of the course. Students failing to achieve the minimum score of 22 will be dismissed from the class.
The field walk session will be as much like an actual hunt as possible. It is recommended to wear boots or walking shoes and long pants.


text:
- 22 Resorts
- Consistent Snow
- Diverse destinations
- Resorts open before those of many other states
- Home to Vail, Beaver Creek, Copper Mountain
Ride-share websites now offer ways to reduce your carbon footprint while getting to inland B.C. and Alberta ski resorts.More
Get snow reports, forecasts, and conditions for your favorite resorts, mountains and ski areas. Get Started


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Videos you may be interested in:
Article Comments
(John Leyba, The Denver Post)
nflDefense dominant with boost from sack specialists Von Miller, DeMarcus Ware
Dedication collided with improvisation Sunday night, providing a glimpse into how the Broncos' defense has gone from vulnerable to vicious in two weeks.
(Kathryn Scott Osler, The Denver Post)
Local NewsZombie Crawl on Denver's 16th Street Mall marred by fights
Numerous people were arrested Saturday night on Denver's 16th Street Mall when the Zombie Crawl was marred by several brawls, including one involving a man who was incensed when an officer used pepper spray to subdue combatants and the fumes nauseated his child.
Survey shows media differences due to politics
NEW YORK (AP) — Conservatives and liberals not only have different political views, they diverge sharply on what news sources they rely upon and trust, a survey has found. Full Story


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Contact details
Dramatic cliff headlands & views, secluded bays, castle ruins
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Explore - Bathroom
The Bathroom Reinvented
Industrial designer and London–based Dwell contributor Virginia Gardiner shares the ins and outs of her low-cost, low-tech concept for a waterless toilet system.06.16.09
On Shelter Island
Husband-and-wife architecture team Yoshiko Sato and Michael Morris open the doors to their newly constructed home on Shelter Island in New York. The pair teamed up with Evans+Paul to fabricate a...10.26.09
The Bathroom Reinvented: Hyphae
Ecologist Brent Bucknum, principal of Hyphae Design Lab in Oakland, California, shares the ABC's of re-routing a home's waste water (greywater) to sustainably irrigate gardens and other green...07.22.09
Universal Design: Public Restrooms
In the first video of a two-part series, New York–based firm Smart Design examines the intersection between Universal Design principles and the limitations of public bathrooms.01.27.10
12 Tips for Tiny Bathrooms
If your itty bitty bathroom is ready for a redo, check out these 12 projects that make the most of limited space with clever tricks.written by: Erika Heet12.19.13
Dance Dance Renovation
The first time Houston-based architectural designer Barbara Hill set foot inside what would become her future second house, a 100-year-old adobe in Marfa, Texas, she found a cramped warren of rooms...written by: Amanda Dameronphotos by: Misty Keasler01.17.11
Operation Desert Shed
Architect Lloyd Russell's design for this desert getaway passively mitigates the elements with a utilitarian solution, turning a modest modern retreat into a hardy, region-appropriate home.written by: Nate Berg06.17.09
Living in a Mini House
When San Francisco–based architect Christi Azevedo and her partner bought an investment property in Oakland, what was billed in real estate listings as a 'detached garage' turned out to be a...written by: Jaime Gillin08.17.10
The Bathroom Reinvented
Who says poo is taboo? In the first episode of Dwell's new video series, The Bathroom Reinvented, Virginia Gardiner makes a case for talking candidly about the can, explaining the designer's role...written by: Tiffany Chu06.23.09
Creative Re-Use in Oakland
Stephen Shoup is the kind of person to see potential in things that others might miss. In 2005, looking for a property that would house himself and his design/build firm, building Lab inc., he...written by: Kelly Vencill Sanchez02.28.11
Living in Marina del Rey
When Joe Borst saw an affordable bungalow in a Marina del Ray neighborhood filled with either condos or mansions, he knew he found a perfect place for him and his girlfriend Maria Torres to live in...written by: Carren Jao03.08.12
Green Living in Barcelona
For some, living "green" is all about making a statement. But for Petz Scholtus, it boils down to common sense. The eco-designer was raised on a farm in Luxembourg, and she's...written by: Kelly Vencill Sanchezphotos by: Carmen Masia Martorell04.11.11
Built-In Beauty
While visiting and writing about small homes for our June 2009 "Think Smaller" issue, it quickly became clear that when space is sparse, the best way to get the most bang for your buck...05.25.09
10 clever storage ideas for the bathroom
Flummoxed by the ever-present need for storage in the bathroom? Here are 10 ways to stash all your bath supplies in a modern way.written by: Erika Heet04.07.14
Seamless Living in Brisbane
For their family home in Brisbane, Australia, John and Cathy Dillon spent countless hours poring over design magazines and books to strike the right updated-mid-century-modern balance. "We...written by: Diana Buddsphotos by: David Sandison01.30.12
Loo & Improved
When Pamela Butz and Jeffrey Klug, principals of Butz + Klug Architecture, began renovating the master bathroom of a nearly 120-year-old home in Brookline, Massachusetts, they made "all sorts...01.04.10
The Bathroom Reinvented
Exploring everything from conceptual ideas about waterless toilets to just what it takes to integrate a greywater system into a residence, Dwell leads the conversation online about the future of...06.16.09
Everything and the Kitchen Sink
Looking to remodel your kitchen or bathroom, but don't have the patience to sift through endless pages of inventory online? Get your feet wet with this quick collection of Kohler fixtures and...10.17.09
Renovating An Aging Mill in France
In 1981, Londoners Anthony and Gillian Blee purchased the ultimate fixer-upper. The property in southwestern France was idyllic, but its old mill, built in 1822, and three flanking outbuildings had...photos by: Sarah Blee01.19.11
Pee Green
In our June 2009 issue, we'll be running a concept feature that turns the taboo topic of toilets into a fascinating exploration of design solutions for addressing global sanitation and water crises...written by: Sarah Rich04.18.09


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Jockey Quotes
JOEL ROSARIO, MILES RULES, Winner: "I broke a little slow and I sent her because I wanted to take the lead. That's the way she runs. She was pulling a little, but not too bad. Down the backstretch she was perfect, nice and relaxed. She was fighting to the end but just got a little tired. It was her first time going long. I think she'll do better next time. Sometimes it's hard to tell who won the photo, but I was pretty sure she had held."
RAFAEL BEJARANO, SCREAMING REGAL, Second: "I tried to get her to stay closer, but she was a little lazy in the beginning. At the three-eighths, that's when she really started running. It was a good try."
Trainer Quotes
CLIFF SISE, JR, MILES RULES, Winner: "I thought she was going to win by four or five then all of the sudden, whoa. But that was a pretty fast half mile (46.52) for the last few days. She's not the biggest filly, but her pedigree is okay for middle distances. We'll maybe look at the ($150,00 Hollywood) Oaks (June 25) for her. There's nothing else for Cal breds. First time stretching out and going that fast early, I thought it was a good race. She's an awful fast sprinter, but we'll just play it by ear."
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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Main Content
2012 will be the year of the #18 and Kyle Busch. Get ready for the upcoming race season as Kyle races for a Sprint Cup Championship with this Driver Schedule Qualifier tee by Checkered Flag. It features his name and number printed on the front with the 2012 NASCAR schedule on the back along with his name and his sponsor's logo.
- 100% Cotton fabric
- Imported
- Lightweight ribbed T-shirt
- Officially licensed NASCAR product
- Reinforced taped collar seam
- Rib-knit collar
- Screen print graphics
- Tagless collar
Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Main Content
On July 10th, Kansas City will be the most popular place on the planet! Whether you're watching from home or planning to attend the big MLB All-Star Game, add a little pizzazz with the Jersey Shimmer hat from New Era. This cute hat features a rhinestone All-Star Game logo offset to the side of the crown and four back mesh panels to keep you cool when you're workin' up a sweat cheering! Don't let the other fans show you up on this exciting game day – prove to 'em that you've got the best style in the entire league!
- 100% Polyester fabric
- Adjustable hook and loop fastener strap
- Imported
- Officially licensed MLB All-Star Game hat
- Quality embroidery
- Rhinestone details
- Structured fit
- Two front fabric and four back mesh panels
Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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I was out the the CRP field the other day and picked up a lot of trash. Parts from tractors, cars, Old Shotgun casing..the metal part, Some fence line. I was out looking for some arrows with Bh's I wasn't able to recover after last seasons hunt. I actually found a piece of the Carbon shaft and did a circle out search with the metal detector...it's tough trying to detect in and around brush. I never did recover them after two searches. I have found coin in my own yard but it was modern coins. Today I went out to the side yard for some searching. I ended up finding an arrow I lost in the ground a good 4-5 years ago. I also found either a traditional head FP or a Crossbow point. I'm not sure though as I don't use wood arrow shafts or glue on points. I love metal detecting. I do need to upgrade the detector though. I really like the Garrett AT Pro.
I'm still praying for a lost gold Cache!.


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DA announces $1.4 M settlement in Walgreens lawsuit
Santa Cruz County District Attorney Bob Lee announced Jan. 9 that his office's Consumer Protection Unit, along with prosecutors from San Mateo, Santa Clara and Contra Costa counties, had reached a settlement of $1,425,000 in a lawsuit against Walgreen Co.
Walgreens agreed to compensate customers for overcharging by failing on multiple occasions to ensure that prices marked on its shelves matched the prices charged at the cash register.
The company also advertised discounted prices for using "Register Reward" coupons without clearly disclosing that the coupons required another purchase to benefit from the savings.
"Consumers have a right to expect that products will be accurately priced," Lee stated in a news release. "They should be protected from careless or intentional pricing errors."
As part of the settlement, Walgreens will offer a "Scanner Price Guarantee" to compensate shoppers who find price discrepancies at the time of checkout.
The terms of the guarantee will be posted in every Walgreens store in California.
Consumers in Santa Cruz County who believe they are the victim of a price overcharge can call the Santa Cruz County Consumer Affairs Office at 454-2050.
SV Artisans to launch art sales website
Scotts Valley Artisans is attempting to create a nonprofit art sales website where Santa Cruz County artists can show and sell their work.
To get the site started, the organization has set out to raise $12,000 in start-up funds on Indiegogo.com.
The goal of Scotts Valley Artisans' curated website would be to highlight artists working in Santa Cruz County and gain a national audience for their works.
Artists would pay a small annual fee to appear on the site, which would cover website maintenance costs. Staff at Scotts Valley Artisans, 230-D Mount Hermon Road, would handle inquiries and orders.
For information: www.indiegogo.com/santacruzartists?c=home.
SLV Museum offers docent classes
San Lorenzo Valley Museum will host training classes for volunteer docents Feb. 2 and 3.
A one-hour class at 3 p.m. Feb. 2, a Saturday, will cover the basics of opening and closing the museum, greeting visitors and handling bookstore sales, exhibits, research questions and other tasks.
An hourlong class beginning at 1 p.m. the following day will go over the story each museum exhibit tells and the history of that story.
New volunteers and present docents who are interested in attending either class should call Lynda Phillips at 338-8382.
Supervisor announces meeting times
Bruce McPherson, 5th District supervisor, will have regular constituent meetings to talk with district residents from noon to 2 p.m. the first three Wednesdays of each month at the Santa Cruz County Sheriff's San Lorenzo Valley Community Service Center, 6059 Highway 9, in Felton.
The first meeting was Wednesday, Jan. 16, and the next is Wednesday, Jan. 23.
The meetings will be held on a first-come, first served basis in the conference room of the building shared by the service center and California Department of Forestry and Fire Protection.
McPherson will host an evening meeting the fourth Wednesday of each month at various locations throughout the district.
The first evening meeting will be from 6 to 8 p.m. Jan. 30 at the San Lorenzo Valley Museum, 12547 Highway 9, in Boulder Creek.
To comment or submit information for brief news items, e-mail firstname.lastname@example.com or post a comment on www.pressbanner.com.


text: StreetWires Zero Noise 7 Mobile Video Cable High-performance composite video cable with superior noise rejection (16.4-foot) Zoom Single cable Photos Videos My vehicle's homepage We don't check this item for fit or compatibility. Item #: 211ZN7V50 Review Summary 1 person says DISCONTINUED This item is no longer available to purchase. Contact us for other options Call Email Original price $49.99 Shop all Video Cables Shop all Video Cables We recommend this similar item, or shop all Video Cables T-Spec Video Cable 20' Video Cable 20-foot lengthoxygen-free copper wiredouble-layer woven coaxial construction $24.99 Compare discontinued and similar item x By buying this product you'll earn up to 50 Rewards points. When you sign up for a Crutchfield account, you'll be enrolled in Crutchfield Rewards. You'll earn one point for every dollar you spend on gear from us. You can turn your points into Rewards Cards that you can use toward future purchases. You can sign up for an account now, or after you complete your purchase (you'll get credit for the points either way). Sign up for a Crutchfield account Overview Details Customer Reviews Articles & Videos Our take on the StreetWires Zero Noise 7 Mobile Video Cable by Charlie Pastorfield You've used StreetWires interconnects to maximize the purity of your audio signal why drop the ball when it comes to your mobile video setup? StreetWires builds its Zero Noise 7 Series mobile video cable with the highest quality materials to ensure that your monitor's picture will be free from the interference created by your vehicle's electrical system. A rugged Crystal Flex® jacket protects the oxygen-free copper center wire and braided outer conductor. The precision-machined connector with its split center pin design grips more surface area to maximize signal transfer. Warranty: lifetime. See more info on this item Hands-on research from the Crutchfield Labs (what are the Labs?) What's in the box? | In-depth notes Product Research What's in the box? Download owner's manual 5 Meter composite video cable Our Product Research Team At Crutchfield, you'll get detailed, accurate information that's hard to find elsewhere. That's because we have our own in-house Product Research team — they open the box, verify contents, check the owner's manual, and record dimensions, features and specs. We stay on top of new products and technologies to help people make informed choices. Features True 75-ohm Signal: The Streetwires ZN7 series video interconnects are designed for true 75-ohm signal transfer to give you accurate color, image brightness, and detail without distortion or interference. RCA Connector: The ZN7 video cable is terminated with precision machined RCA connectors. The split center pin and 6-cut outer collar maintain superior surface contact pressure for secure connections and maximum signal transfer. The outer shell features a rubberized grip, making it easier to engage or remove. Construction: The center conductor is made of oxygen-free copper to eliminate oxidation that causes distortion and signal loss. The conductor is surrounded by a low-density polyethylene dielectric which resists kinking and maintains the 75-ohm standard. The braided outer shielding eliminates noise when transferring wide bandwidth video signals. The cable is protected by a clear flexible outer jacket. Review this product Submit a review and then enter to win a $500 rewards card StreetWires Zero Noise 7 Mobile Video Cable Reviews Average Customer Review: 1 people say: Review this product: Thanks for taking the time to share your experiences about this product. Please be sure to focus your comments on the product itself. Read our Review Guidelines for more information. Review title * Email Your email won't be visible. Please use the email address that is associated with your order. Display name (e.g., JohnD) Your review will be signed using the display name and location * Your location (e.g., Charlottesville, VA) * Your rating Click on a star to rate the overall product on a scale of 1-5 1500 characters left * Your review Attach a YouTube Review Crutchfield Video Review Guidelines Only submit videos that you made or are authorized to use. Do not submit videos that contain music, video or visuals that are copyrighted and belong to someone else. Please see our Review Guidelines for more information. Submit the URL of your YouTube™ video review or product demonstration. e.g., "http://www.youtube.com/v/o79TWHh598U" 500 characters left Pros 500 characters left Cons * Agree to Terms By checking this box you agree your review becomes the property of Crutchfield, that you are over 18 years of age, that you own or have owned this product, and that you are located within the United States or its territories. Please see our Review Guidelines for more information. We reserve the right (but are not obligated to) review all submissions and edit or remove any review in any manner which we deem necessary. Your review should be posted within seven days. Filter by rating: 5 Star: (0) 4 Star: (0) 3 Star: (0) 2 Star: (0) 1 Star: (0) 2 out of 5 "Just gimmie two steps mister" Written By Anonymous, Lincoln NE on Monday, June 06, 2011 Crutchfield Customer Review (What's this?) Uhhh... two words " too short". The longest set offered (7 meters) is about 2-3 meters too short for my F350 long bed crew cab. Connections, especially digital video, are not optimum under the bead of a 4x4. Don't know why other lengths are not offered. what would you do with a motorhome or a trailer setup? 2 out of 4 people found this helpful Was this review helpful? Yes | No For a more in-depth review and enhanced detailed information on the StreetWires Zero Noise 7 Mobile Video Cable, please visit the Crutchfield website product page (/ISEO-rccbcspd/p_211ZN7V50/StreetWires-Zero-Noise-7-Mobile-Video-Cable-16-4-foot.html ). x Sorry, the StreetWires Zero Noise 7 Mobile Video Cable is no longer available for purchase. Shop all Video Cables Looking for a similar item? T-Spec Video Cable $24.99 1 person says Or, you can still... Write a review Purchase product accessories Download product manual Go × Single cable


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Widening your risk view
How eight banks adapt to increased pressure for formalized ERM
- |
- Written by Steve Cocheo
- |
- Comments: DISQUS_COMMENTS
In banking, as in life, people have two ways of learning. One comes from making mistakes and learning to change to avoid them. The other comes from seeing what's happening to other banks and taking preventive and proactive measures. Enterprise risk management fits this scenario perfectly.
Sometimes the direct, personal lessons come out of left field. During a recent roundtable discussion about ERM among selected members of ABA's Community Bankers Council, all participants reported increasing emphasis from federal regulators. But this didn't always surface during a safety and soundness exam. Two bankers got their wake-up calls through the compliance exam process.
"We had a compliance examiner who just hammered us big time, and we got slammed into risk analysis through that exam," says Mike Marhenke of IAB Financial Bank. For the $942.6 million-assets bank, based in Fort Wayne, Ind., the planets had lined up. It lost its compliance officer around the same time as the exam and hired a consultant to help it through the exam. The exam results, and advice from the consultant, got the bank moving on ERM.
"We're kidding ourselves if we don't think examiners are going to start pushing on ERM," says Marhenke, president and CEO. "I equate it to the ALCO process back in the early 1980s." Back then, Marhenke says, as individual banks began moving deeper into ALCO on their own, examiners took what they were seeing there and looked for it in other banks. "The more they saw," he recalls, "the more they expected other banks to have policies and procedures in place. And then they wanted to know what you were actually doing with it."
IAB has gotten ERM religion, at both the board and staff level. The board now has an ERM committee—in addition to loan and audit committees. The audit committee concentrates on financial risk, and the loan committee focuses on credit issues, leaving other risks to ERM. On some issues, the committees meet jointly.
IAB maintains an officer risk committee internally that comprises both senior and middle managers. A key task is periodic risk profiling. Marhenke says this can be a frustrating process, though educational. The more the internal committee digs, the more it finds there is to see.
"But I think that's what examiners want you to do," says Marhenke. "Because the more you talk about it, the more things begin to materialize."
ERM demands management attention because, clearly, it will be on regulators' radar more as the industry continues to move forward beyond the post-crisis atmosphere, says Jim Cornelsen, president and CEO at Old Line Bancshares, Bowie, Md.
"Credit continues to improve, and it won't be an uber-focused area for the examiners," Cornelsen explains, "and so they are going to concentrate somewhere else—they always do. ERM may be an area where they gravitate to."
Building new and adding on
Roundtable bankers broadly agreed that regulatory expectations will evolve as examiners have the opportunity to see more and more institutions move forward on ERM.
"Four or five years ago, examiners asked if we had an ERM process in place, and I asked them for an example. They still haven't given me an answer," says Bryan Luke, executive vice-president at $621 million-assets Hawaii National Bank, Honolulu. "But they have been asking more risk-based questions."
As a result, the bank established a staff risk committee, choosing not to appoint a chief risk officer because management wants to be sure everyone "gets" the risk issue. "We've definitely formalized things more because of the regulators' increasing attention," Luke says.
Merger and acquisition activity ushered in increased risk management emphasis at $1 billion-assets Inland Bank & Trust, Oakbrook, Ill.
"We've done three deals in five years," says Howard Jaffe, president and CEO. Having come from a larger bank background, Jaffe says he was savvy to the need for ERM. He says having a program in place seems to satisfy many examiners. In his case, the program is a blend of internal effort and selected outsourcing.
Inside, Jaffe continues, the head of internal audit doubles as risk manager. A key part of this officer's job is coordinating the outsiders, which include companies to which the bank has outsourced loan review, operational audit, and compliance audit. This officer directly handles FDICIA requirements for controls and financial reporting, which predate the Sarbanes-Oxley requirements affecting public community banks.
Another key part of this officer's job is coordinating risk reviews of proposed new products, new software, and any other fresh initiatives that could carry an element of risk.
"We require a risk analysis before any of that goes into place," says Jaffe.
For new bank, "heat map" helps
Growth underscores the ERM strategy of a young bank in the group that decided to adopt ERM on its own.
Started in 2007 in Florida's Tampa Bay market, USAmeriBank has already grown to $2.8 billion in assets, serving parts of Florida as well as Alabama. President Thomas "Brad" McMurtrey says that two years ago, management decided to be proactive and establish a board ERM committee. McMurtrey brought in Crowe Horwath to help the bank devise a structure and program.
A key overall element of the effort is a "heat map" that helps pinpoint the bank's most significant risk areas. In part, this helps identify emerging risks so the bank isn't blindsided. Another element is a form used whenever something new is proposed. The backer of the idea must complete the form and walk through the risk analysis—right through to the vendors the bank would tap for help.
Only after that exercise is completed can the banker bring the matter to USAmeriBank's staff-level risk committee, which the chief operations officer chairs.
Having grown so much in about seven years, according to McMurtrey, "you know that you'd better have your stuff together."
Danger of "over engineering"
The roundtable bankers point out that ERM shouldn't be coming as a wholly new idea to anyone in the business. After all, risk management, by definition, is what banks have always had to do.
Nevertheless, having just wrapped up an OCC exam, Texas banker Geoffrey Greenwade says it's plain that ERM "is hot on the table" for regulators. His $1.7 billion-assets Green Bank, N.A., Houston, has grown aggressively and chiefly organically over the last five years. He says there is a pattern in examinations that he refers to as "the seminar of the year." Examiners receive training and suddenly that becomes the new focus of their visits. He sees an element of this in ERM.
There is a dual element to ERM, he elaborates. On the one hand, it is something like an umbrella insurance policy; it's an attitude sitting over all the individual management areas of banking. On the other hand, in concept, ERM can be likened to "just looking ahead," as a good banker ought to be doing instinctively.
"I think we have a danger here of overly engineering banking," says Greenwade. "I mean, there's really only a handful of things—credit risk and cybersecurity being two—that you need to watch every day. And if you do watch them, then you're in pretty good shape." But he's concerned about going overboard.
That's also a concern for Robert Stephenson, president and CEO at $1 billion-assets First Dakota National Bank, Yankton, S.D. His bank has a chief risk officer. In some areas, he thinks the bank's ERM effort is strong; in other areas, it needs beefing up. Using a dashboard approach helps keep tabs on things that bankers think they know intuitively, but that can still sneak up.
An ERM program also brings a measure of consistency to the process, according to Stephenson. However, as CEO, he's found that some balancing must go on. Operations staffers have an extremely low tolerance of risk, for instance.
No one likes to lose money, Stephenson explains, "but do we need to spend $40,000 a year to mitigate a $50,000 loss that might happen once every ten years?"
Must we have a meeting?
Ohio banker Paul Siebenmorgen buys the "umbrella policy" view, to a degree, for his $928.4 million-assets Farmers and Merchants State Bank, Archbold, Ohio. The bank has both an officer risk committee and a chief risk officer, who reports to that group. The committee members focus on risk areas represented by its membership. Siebenmorgen, president and CEO, says the chief risk officer tends to "stop the odd-ball stuff that you end up getting into when his nose detects it, such as frauds."
However, Siebenmorgen believes the ERM effort "helps keep everyone in the bank focused on the same page." Bankers can't help but concentrate on their areas of responsibility, so, Siebenmorgen continues, "monthly risk meetings help get everybody thinking, 'Hey, maybe something I'm doing here affects something over there.'"
Cornelsen points out that Old Line's culture is anti-meeting and that it stresses one-on-one, timely communication instead.
While McMurtrey says his risk group will not meet if there is not something to be addressed, he resists piecemeal communication. "If you've got five different parts of the bank that need to have input on something, sometimes it's easier to sit down and meet. That's as opposed to running around and everyone getting a different story."
IAB's Marhenke acknowledges that there's logic in having two people talk and solve an issue before sparks catch and cause a fire. But sometimes, he says, more sparks could arise later.
"Unfortunately," at times, Marhenke points out, "the more people you have talking about such issues, the better off the organization ends up being."
"Risk appetite" vs. "risk tolerance"
IAB's Marhenke recently heard a consultant describe bank risks as "bear risks" and "mosquito risks."
At first, it would seem like the bear risk is the one to watch, letting the bugs look out for themselves. But according to Marhenke, the consultant warned his listeners to focus instead on the mosquitoes.
Maybe ten people get killed by bears, the consultant argued, according to Marhenke, but many thousands die of mosquito-borne diseases. It's the risks you may ignore that get you, not the ones you know well to watch out for.
But each bank must set its own radar for risk. This is one of the basics of ERM—setting risk appetite, risk tolerance. Some use the terms synonymously; some make a distinction.
"Maybe you end up in the same spot, but I think of risk tolerance as something you have," risks that go with operations, says Farmers' Siebenmorgen. "Risk appetite is something you look for," in terms of seeking and taking on new business.
However you define it, risk tolerance should come from the board, according to many experts. But the roundtable bankers uniformly rejected that belief.
Greenwade says he received an email the night before the roundtable that illustrated his own attitude. A borrower wanted the bank to accept an 85% loan-to-value ratio and threatened to walk if the bank didn't go along.
"It comes down to: Can we mitigate that risk? Will we accept such risk?" says Greenwade. "I don't think your board can give you direction on that, other than to 'just use common sense.'" Part of the risk evaluation would entail the bank's experience with that borrower, he says.
More broadly, Old Line's Cornelsen sees the board's role as quite general. "We play to our strengths and stay away from our weaknesses," he explains.
During ABA's 2013 Directors Forum, a speaker compared board members to the crew chalking out the boundaries for a football game.
However, Marhenke rejects that analogy as too simplistic. "In our shop, they would pretty much approve the lines," he explains. "Management would recommend where we think the lines need to be, and then they'd okay that. I'm not sure that directors have enough knowledge to set the lines themselves."
Indeed, "I think risk appetite and risk tolerance really hinge on the exceptions, not on the parameters you set up," says USAmeriBank's McMurtrey.
Where do you find a CRO?
One of the bank executives posed this question to fellow roundtable members: Where do you find a good chief risk officer?
Most that have one, by title or at least functioning in that role, say they filled the post internally.
Cornelsen says the position evolved at Old Line. "I found very talented people in our company, and the person who was elevated to the post was a perfect fit," he says. "He's got a good game and is fully skilled in audit and in compliance. And he also thinks outside of the box."
The need to find someone who hasn't worn a groove into his job, but has strived to stay fresh and keep his training up is also encouraged when looking inside.
McMurtrey, whose bank found its chief risk officer outside, separates technical ability and organizational skill. People with special skills—lending, compliance, audit, etc.—all own a piece of risk management.
"But to me, the CRO is like a coach," McMurtrey says. "You need someone who can pull the process together, and then drive it. That's the key, because it truly is an enterprise-wide function."
Tagged under Duties, Risk Management, CSuite, Operational Risk, Community Banking,


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7 Feet of 3/16" Clear Beer Line with Hexnut Assembly
This beer line assembly comes standard with 7 Feet of 3/16" Clear Beer Tubing made of Themoplastic Vinyl Hose (Super Vinyl). This tubing meets and exceeds all rigid demands for beer dispensing. This beer line remains flexible and durable at recommended temperatures and pressures and will not rot, swell or dry out and is unaffected by normal cleaning compounds. This assembly comes with one Plastic Snap Clamp (reusable clamp design) and a Coupling Assembly of 1 Stepless Clamp, 1 3/16" Hose Nipple/Tail Piece and Hex Coupling Nut (connects to keg coupler).
7 Feet of 3/16" Clear Beer Line with Hexnut Assembly Reviews
|Average Customer Rating:
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|Thank You
|Don (05-29-2013)
Calumet City, IL
|Product was as described. Shipped on time. I now have draft beer thank you!!
|Bottom Line:
|I would recommend this product.
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Sale Price: $4.99


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Results for March 2012
Is Your Brand A Hyper-Connector Or Truly Sociable?
by Mike Doherty on Mar 30, 7:43 AM
As consumers have embraced social media, brands have tried to get in on the action ... especially if Millennials are an important audience for the brand. Consequently, many marketers are increasing their social media budget to the point that some studies say nearly 18% of marketing budgets will be devoted to social media within the next five years. But why?
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21 Fast Facts About Millennial Tablet Owners
by Sharalyn Hartwell on Mar 23, 6:48 AM
Once again, Apple had everyone all a-flutter last week with the announcement of the "resolutionary" new iPad. Given all the additional focus on tablets lately, it's a good time to hone in on what we know about Millennials and tablets.
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Brands As Filters, Not Curators
by Patrick Evans on Mar 16, 8:29 AM
You may be thinking that curating and filtering sound awfully similar, but they are drastically different concepts. Instead of trying to profile a general target consumer and create a relevant experience for that fictional person, brands are treating each consumer as unique and using data scientists and technology to make super-relevant recommendations.
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The New Millennial Mindset: Positive Is As Positive Does
by Melanie Shreffler on Mar 9, 7:13 AM
The Internet is a dangerous place. When Millennials go online, they risk running into cyberbullies, thieves after their identities, trolls lurking in the comments sections of webpages... Even on social media sites, where they're surrounded by their "friends," they can occasionally feel harassed. And for all the social aspects of being online, the web can be a little narcissistic. Some people only seem interested in tweeting about what they're doing and only want to hear opinions in line with their own.
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Getting Out Of Line To Draw The Right Conclusions
by Cori Ferman on Mar 2, 7:18 AM
Historical plans used to include messaging for above-the-line (mass) and below-the-line (not mass) communications. Sometimes, depending on how the person you are speaking with perceives it, even through-the-line (gasp, what, both!?). Now, it's just about the line ... period. Do you have a line of communication with your audience? How are you using it, and what story does it tell?
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kiko y kako para mis amigos de taringa.r...
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There's no excuse not to do it yourself with an extensive
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Make today a day for DIY
Every home requires some maintenance to keep it in tip top shape, so a basic tool kit is essential for every DIY enthusiast or novice. Power drills and sanders are perfect for home improvements, while a pressure washer will act as a multi-purpose tool for your home exterior and car. Take advantage of spending the winter months indoors, by updating tired looking wallpaper and adding new handles to doors and cupboards. Refreshing the look of your home has never been easier!


text:
They say that the dating world is just like the wild. You have to act like a predator or lose your chances. Whatever people say about dating, the truth is that everyone has a chance at getting what they want. Lots of men, no matter how tough they look, seem to lack some things whenever they face a woman they really desire. Nowadays there are actually whole guides on how to improve with women, like this one in this Unlock Her Legs review that make everything a lot easier. The trouble is that some guys just are to cheap or lazy to invest in themselves and to learn this important material.
I'm not sure why guys are so reluctant to educate themselves fully, but whatever the reason it is a shame. That being said sometimes it is best to start out by learning just a few simple concepts, so I have written a few for you below on what it takes for a man to get the woman of his dreams. Who knows, maybe these three tips that could help you start on your journey to find her.
Be confident. Confidence is a must. Excess or lack of it could be harmful to you. Know what you're good at and flaunt it. Know your areas for improvement and work on it. When you face someone, show that you're good for something. Stand up straight and speak clearly. Become the man that she'd want to meet with again and again. Show her what you're good at. Whether it's something nerdy or something brawny, don't be afraid to show a woman your stuff. Women like to feel secure and they will feel that when they see a man who knows his stuff.
Be secure. Speaking of security, women look for men who are sure of themselves. Then again, don't act too sure. The key to winging it in the dating game is to keep it in the happy middle. Don't exaggerate and don't underestimate. Whatever it is you have, be secure with it. Live with it. Women like seeing men who are very comfortable with themselves. This makes them feel that they can hang and share their thoughts with you. If you're in the dating game for the long run, be comfortable in your own skin.
Build yourself up. Confidence and security come from a place where you know that you've done well for yourself. Don't be afraid to improve yourself even in the little things. If people have been calling you out on your clothing choices, do yourself a favor and find clothes that suit you. Or if people have been noticing a quirk that keeps them from approaching you, do something about it. If you want to find a great girl, be a great guy. Take a chance. Maybe you'll also surprise yourself in the process.
With these tips, you're well on the way to becoming an eligible bachelor. Be proud and be your better self.
What a lot of guys fail to realize is that picking up younger women is actually pretty simple. As an older guy, you've got a lot going for you that younger guys don't have.
Namely, you've got experience, a career, and the confidence and monetary resources that go along with that. These are very valuable assets in the eyes of any woman. It's no secret that women mature faster than men. Therefore, when you run into a woman who happens to be twenty-one, you can be damn sure she's sick of hanging out with broke, buffoonish frat boys who still act like they're fifteen and enjoy hanging with their bros more than the company of a sexy young lady.
So, what does all this mean for you? Well, for starters, it means that if you understand these things, you will pick up on the fact that a woman of that age is craving for a mature man who can treat her right, take her to nice places, engage in some thoughtful conversation, and most importantly teach her things in the bedroom most young guys simply can't. On that last point, let's be real here, most guys in their early twenties have no idea how to please a woman. It isn't until you get older and gain some experience that you really now how to be a good lover.
Anyway, let's get down to some details on this. For starters, you need to use your age and position in life as an asset, not something to be embarrassed about. One of the major reasons why the idea of an older man appeals to a younger woman is that he is ostensibly confident in his position in life. So, if you realize that, you've almost won the battle! In sum, you need to approach a younger women with the knowledge that your years of experience and the confidence that comes with that shines through. When you combine that with the fact that you have the means to wine and dine the object of your desire, you're absolutely golden. Let's face it, most guys in their early twenties can barely afford to take their date out to the local bar.
Of course there are some guys like the author of this article on dating younger women who will tell you its a bad idea… Here's my take on these guys: they can't date younger women and therefore they don't want anybody else to either. It's sad, but some married men are so miserable in their relationships that they have nothing better to do than to try to persuade their fellow men from enjoying themselves. Whatever you do, don't listen to these guys, they probably couldn't date women in their 20s even when they were in their 20s, and don't listen to women over 30 who may try to advise you on this subject either, for reasons that should be obvious.
In the end, if you remember these facts and use them to your advantage, you're going to be pleased with the results indeed!
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INGLEWOOD, Calif. (June 10, 2009) — Doug O'Neill, who saddled Classical Slew to win the first 2-year-old stakes race of the meet a week ago, will try to win the first juvenile filly stakes race Thursday with Repo and Southern Fireball in the $70,000 Cinderella.
O'Neill, who sent out stablemates Classical Slew and Track N Attack to finish first and sixth, respectively, in the Willard L. Proctor Memorial, leads the trainers' standings with 22 wins through 31 racing days. Seven of the victories have come in 2-year-old races.
Southern Fireball, a daughter of Southern Image, will be ridden by Rafael Bejarano, who combined with O'Neill to win the 2008 Cinderella with Trifecta King. She will try to avenge a defeat to Well Deserved, who was impressive while winning her career debut here May 1 with Southern Fireball 1 ¾ lengths back in third.
The Cinderella, which will be run for the 47th time, drew a field of eight, which lines up as follows from the rail out:
Nana Boo, with Agapito Delgadillo, carries 120 pounds; Champagne d'Oro, Martin Garcia, 115; Southern Fireball, Rafael Bejarano, 120; Ridemetothemoon, Michael Baze, 117; Well Deserved, Joel Rosario, 120; Repo, Corey Nakatani, 120, and Gale Schoonover, rider to be named, 117.
The Cinderella will run as the seventh race on Thursday's eight-race program. First post time is 1 p.m.
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