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INGLEWOOD, Calif. (July 3, 2009) — Favorite Strawberry Tart burst into contention between horses early in the stretch and overhauled Jehan in the final sixteenth to win Friday night's $100,000 Flawlessly Stakes by a half-length under jockey Martin Garcia at Hollywood Park.
The victory was the fourth in six starts for the promising 3-year-old filly — now perfect in two turf starts for trainer Jeff Bonde.
"I rode her with a lot of confidence," Garcia said. "She didn't show her usual speed last time, so I took her back and it worked out. So today I did the same thing. She broke real good and I took her back to make one run. When I asked her to go, she kicked home like a superstar."
Strawberry Tart, winner of the Manhattan Beach for owners George and Mary Clare Schmitt here in her previous start, made it two-for-two on the Lakeside Turf Course as she covered one mile in 1:34.28. It was her first race around two turns.
"Jeff knows this filly very well and he was very confident she could get the two turns," said assistant trainer Miguel Carranca. "His instructions were to just relax the filly and let her go in the stretch."
Strawberry Tart, a daughter of Atticus, paid $6.40, $3.40 and $3.40 while banking $60,000 to raise her earnings to $152,622. Jehan returned $9 and $5.60, while the show payoff on Dash Dot Dash was $6.
Copyright © 2009-2014, Hollywood Park. All rights reserved.


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Poster presented at the LCDP Luminary Class, June 2012. To better understand the growth and interdisciplinary nature of hip hop, this project investigates the scholarship related to this emerging area of research. Using the ProQuest Dissertations & Theses (PQDT) database as a tool, a sample of 103 out of a total 344 dissertations were examined with a focus on various aspects of the hip hop culture. A descriptive analysis is presented based on institution, geographic location, department, keywords, and year of publication.
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Makes me sick that some people are SO materialistic, they'll sacrifice an entire week out of their life just to sit outside a stupid store.
To each their own, I guess...
Sort of typifies the saying "get a life," doesn't it? Just sad really.
Editor In Chiefhttp://hothardware.com
No, it just means that there will always be self righteous haters who will never understand what others do. They just judge and it makes them feel better.
This is way too ridiculous, stores are seriously turning Thanksgiving into just another consumerist holiday...rather than it's original emphasis on family.
Their camping already this should be fun.
Maybe Best Buy is doing a sale on "Life"? (haha punny) Seriously 6 days in advance? That's ridiculous. The TV isn't that good of a deal but a PS3 Bundle for $200 isn't bad. But I wouldn't sacrifice a week of my life for it. Life isn't all about the things you have as it SHOULD be the things you do & the people you meet.
While I do admit it can be fun to camp out with some buddies but that's too early.
You gotta look at it from the people's perspective: They just finished all that time camping out for the last Twilight movie. If they don't immediately start camping for something, they'll come down from their high.
What part of "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn" don't you understand?
People say those guys out there need to get a job to afford that stuff, or another welfare system, or they have no life, or scum of society. Plain and simple, if the deal was there everyday...Im sure everyone talking trash would jump on it. Since they can't, they resort to trash talking. The reality is mind your F'in business and go do your stupid life's hobbies. I do this every year. I am a aerospace engineer and I make plenty of money to buy the most state of the art TV; but i dont need it. I have a career, and I have unlimited personal time off time whenever I choose. So there idiots, Im getting paid to be there. I meet great people, have a blast partying all night and enjoy a life's urban mountaineering experience. Also, I get the chance to offer a friend or two the deal they wouldnt normally afford. I know all you idiots dont know friends and family that can use a dollar saved.
Why is it that coming up on the holidays, everyone here starts dropping veiled F-bombs and name-calling?
Joel, JDiaz, and I have agreed on... well, basically nothing... but I don't recall us ever treating each other like that. And, if they ever had, I would have known I had 'won' the discussion.
Not everyone here has the same opinion; Everyone's welcome to their own view. If you don't agree with what someone else says, that's absolutely fine - just don't start calling people "idiots" and such when you disagree with them. It's much more constructive to point out *why* you disagree.
It also makes things easier on those of us that only posted opposing viewpoints to be funny. :P
Happy Holidays!
I don't think anything is really worth camping out for a week ahead of time. You could probably find comparable deals online throughout the year for the same things.
I wish that I could get enough money to be able to pick up something sweet on black Friday...
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I didn't know Best Buy was still around. People actually shop there?
I did the Black Friday thing once. Never again. lol
Relax Raymac. No one is hating, self-righteous or judging, just expressing a view different than yours.
I don't shop there much myself, but one of the things they do have is Polk Audio speakers, well some of them. Not too many places carry Polks.
Lets try and look at this mathematically... 7 days spent waiting, $2,000 dollars saved.
It amounts up to about 285 dollars a day saved.
If she's waiting there 24 hours a day, she's saving (or technically getting paid) $11.9 an hour.
Is $11.9 an hour worth working 7 consecutive 24 hour shifts, and sacrificing the chance to take a break, rest relax and possibly be more productive at a regular high paying job?
Not to mention the trade offs of being able to just take advantage of cyber monday or online deals year around without camping out...
I'm not sure that's worth it, maybe waiting a day ahead of time which bumps up your number in savings/time considerably could be worth it, but overall I don't think it is.
It's also just absolutely ridiculous that certain stores (Target and a few others) are requiring their workers to work on Thanksgiving day since their starting their Black Fridays thanksgiving evening.
Yes. They sleep there, too :P
This year is gonna be a blast with so much choice to go around in mobile category.
I would so do this if I had money to waste
Now these people have dedication.
wow, just wow. I hope they brought lots of sweaters and blankets, brrrrrr! By the way those sneak peak deals are great, however not worth camping out for almost a week LOL I'll stick to Cyber Monday deals, hopefully no sites will crash again ugh. The Source and Staples (in Canada) were terribly SLOOOOOWWWWW
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Cape Town Vacation Rentals
Book your dream home in Cape Town on Tripping. As the second most- populous city in Africa, you can explore the top destinations like Table Mountain or spend the day at Boulder Beach, known for its white sand and granite boulders.
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Where is Cape Town? With its Mediterranean climate, Cape Town, South Africa is quite likely Africa's most popular tourist hotspot. Famous for its flora and fauna, the city's protected biodiversity areas are World Heritage Sites with multiple endemic species that don't exist in any parts of the world. Prominent landmarks include Table Mountain with its breathtaking views and Cape of Good Hope with its scenic natural reserve. Additionally Cape Town has also been host to many significant sports event including several of the matches of the FIFA 2010 World Cup.
Cape Town Neighborhoods
The City Bowl is near the waterfront and has many residential suburbs primarily due to its great views and easy access to all major entertainment in the area. Bo-Kaap, dotted with pastel and bold colored historic houses, has a unique character of its own. Of the Southern Suburbs, most noteworthy are Woodstock, Observatory, and Constantia. The Waterfront and Atlantic Seaboard neighborhoods both provide the ideal setting for those looking for great views or a beach holiday. These areas all offer a variety of charming restaurants and cocktail bars to those looking to wind down in the evening.
If you're looking to get away from city, False Bay is a great option. Kalk Bay in particular has a gorgeous sunrise. The Southern Peninsula & Cape Point are also away from the city and famous for Cape Point Nature Reserve and white sandy beaches. No Cape Town experience is complete without a visit to the Cape Flats & Winelands (45 min from Cape Town) suburbs particularly on account of their historical significance and great wine, respectively.
Things to Do in Cape Town
Whether you're taking a cable car up Table Mountain or diving into shark-infested waters of Cape Town, there's never a dearth of unique experiences to be had here. And if the proximity to sharks is a bit much, opt for the more harmless option of the Two Oceans Aquarium. Try snorkeling in the calm waters of Smitswinkelbaai. Watch a colony of penguins at Boulder's Beach or experience Cape Town's jazz tradition found in every part of the city. Make a trip to Robben Island, once a prison for Nelson Mandela, and now a museum. Shop at the Victoria and Albert Waterfront or look for mementos in the Pan African Market and Greenmarket Square.
Take a walk down Government Avenue to access to Adderley Street, the National Gallery, the Iziko Museum and Planetarium. Order fresh tuna, some of the worlds finest or sip on Pink Palace's delicious afternoon tea. And once you're done sight-seeing for the day, Long Street is where you want to party – don't forget to take a sip of their famous 'Klippies and coke!'
Cape Town Accommodations
Cape Town International Airport is the best way to get to Cape Town. Once here, you'll want to stay in a gorgeous Cape Town vacation rental. But as is true with most tourist hotspots, you're more likely to get a better deal if you rent houses in Cape Town than stay in a pricey hotel. If you're looking for a house for rent in the Southern Peninsula or near Cape Point, you may be further away from city attractions. City Bowl rentals are a great way to be close to all city entertainment while enjoying excellent views of the city and harbor. Villa rentals are also a popular option for those seeking privacy and luxury.
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Ramble Wool Blend Long Sleeve Top
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The Ramble Wool Blend Long Sleeve Top brings casual elegance to a high-performance top. Merino wool knit is soft, warm and moisture-wicking. And it keeps its shape through any outdoor activitiy. Wear it as a cozy baselayer on chilly walks and afterwards, be ready to mingle at a holiday party!


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Urnex Cafiza is a formulated powder to remove residue, rancid coffee oils and lime scale deposits from your espresso machine. This product is used to backflush semi-commercial and commercial espresso machines as well as cleaning any metal parts such as screens and filter baskets. This product is not a decalcifier and should not be dissolved in a reservoir or put through a boiler. The 20 oz bottle should last you more than a year.
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Specifically designed to clean espresso machine group heads, the Urnex Scoopz Espresso Brush features an ergonomic shape for easy use and effective cleaning, a splash guard to protect hand from hot water, and a measuring scoop at the end of the brush for cleaning powder.
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Please Note: This item is NOT suitable for use with super automatic machines. It is ONLY for use with stand-alone grinders. The development team at Urnex has developed a better way to eliminate coffee oils from your grinder burrs and casings. Add Grindz tablets to your bean hopper, grind them like you would coffee beans, and contaminated coffee particles and coffee oils are gently dislodged. And because Urnex Grindz is food safe and only edible ingredients are added, there is no residue...
A cleaning agent used to clean espresso machines or coffee machines, including glass carafes. Each box contains 3 packets.
Please Note: Urnex Cleancaf is an alkaline based cleaner and is not safe for use in machines with aluminum boilers.
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Urnex Dezcal Activated Scale Remover is non-toxic and bio-degradable and specifically formulated to effectively descale hot water tanks and components of coffee and espresso machinery.It is is recommended for use on commercial equipment by professional technicians and home users alike. When used on commercial and "closed system" brewers (with a holding tank), special attention should be paid to rinsing. Add 1 oz (28 g) of powder for each 16 oz (500 ml) of hot water. ...
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Sharks Fall 55-51 to Mustangs February 24, 2014 NEWTON, Mass. – Simmons Basketball fell to the Mount Ida College Mustangs 55-51 in their final game of the season on Saturday afternoon in Great Northeast Athletic Conference... [read more]
Rivier Slips Past Sharks, 72-59 February 20, 2014 NASHUA, N.H. -- Simmons Basketball had an outstanding first half, but the Rivier University Raiders overcame a tough start to the game, rebounding in the second half for a 72-59... [read more]
Basketball at Rivier Postponed Due to Weather February 18, 2014 BOSTON, Mass. -- The Basketball game at Rivier University set for Tuesday evening has been postponed due to the impending snow. Please check back for the reschedule date! [read more]
Brasa Leads Sharks to GNAC Win With Double-Double February 15, 2014 BOSTON, Mass. -- First year Liz Brasa (East Hartford, Conn.) put up her third double-double of the season as Simmons Basketball defeated the visiting University of Saint Joseph&rsq... [read more]
Basketball Topped By Monks, 54-28 February 11, 2014 BOSTON, Mass. -- Simmons Basketball fell to the visiting Saint Joseph's College Monks 54-28 in Great Northeast Athletic Conference action Tuesday evening at the Holmes Sports... [read more]
/sports/wbkb/2013-14/photos/COMM0009_rotator.jpg?max_width=658&max_height=326 /sports/wbkb/2012-13/photos/0001/Final0008_rotator.jpg?max_width=658&max_height=326 /sports/wbkb/2013-14/photos/COMM0011_rotator.jpg?max_width=658&max_height=326 /sports/wbkb/2013-14/photos/COMM0005_rotator.jpg?max_width=658&max_height=326 /sports/wbkb/2013-14/photos/COMM0013_rotator.jpg?max_width=658&max_height=326


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The Southern Style Excellence Award for Total Commitment is given three times a year in conjunction with Martin Luther King Jr. Day, Independence Day and Memorial Day for Georgia Power employees that have shown a commitment to community service.
Through roles in various nonprofit organizations, Queen has given tirelessly to Bartow County March of Dimes, United Way of Bartow County, and the Bartow County College and Career Academy. Other community involvements include volunteering with the Cartersville-Bartow County Chamber of Commerce and efforts to encourage young women in the pursuit of technical education. She also is a member of the 2012 class of Leadership Bartow.
"I'm really honored and quite humbled," Queen said. "There are a lot of people in our company that do a lot of things and there are a lot of deserving people, but I don't think there's anyone that appreciates it more than I do. I'm just honored they would select me for this award."
In addition to the award, Georgia Power will make a $1,500 donation in Queen's name to the charity of her choice. For Queen, the decision was easy. Her donation will be made to Bartow County March of Dimes, an organization that has made a personal impact in Queen's own family.
"March of Dimes works with our hospitals very, very closely," Queen said. "When my grandson was born, he was transported to Egleston Hospital by Angel 2. That's the neo-natal ambulance that transports all critically ill babies to facilities.
"And then my nephew was born prematurely and he weighed just a little over 2 pounds when he was born, and March of Dimes stepped in and followed him all the way through. So March of Dimes has been very good to my family and we have been very blessed. I could never thank them enough."
March of Dimes also advocates for children's health and Queen emphasized the implementation of a PKU test for all newborns in Georgia, which was championed by March of Dimes. For their efforts in protecting children, Queen has supported March of Dimes for about 25 years through walks and fundraisers. She currently serves as co-chair for the Bartow County March of Dimes.
Queen also is on the Executive Board of the United Way of Bartow County and is chair of the board of directors over the Bartow County College and Career Academy.
A proponent of quality technical education for Bartow's youth, Queen served as chair for the college and career academy's steering committee before the project gained final approval. She also helped bring a girl's summer camp to Bartow last year — Mentor A Girl In Construction. MAGIC Camp made its local debut in 2012 thanks to Queen's efforts and will return with two camps this summer at Cass and Adairsville high schools. The camp was developed to introduce young women to the construction field and various trades connected to construction, including carpentry, welding, plumbing and electrical.
After 11 years at Plant Bowen, currently serving as project relocation manager, Queen's community service has not gone unnoticed by her co-workers. In a release, her supervisor Stephanie Swindle, Plant Bowen maintenance supervisor, commented on Queen's commitment.
"Janet exemplifies Southern Style Total Commitment by facing all situations with confidence and ensuring that all projects, whether at the plant or in the community, are successfully completed," Swindle said.
Queen has a dedication to serving others and believes in the proverb of reaping what is sown. She praises Bartow County and its leaders, past and present, for the resources afforded its residents — a luxury she hopes to never take for granted.
"I just want to serve," Queen said. "I want to give back to Bartow County what Bartow County has given to me. ... We're very, very blessed in this community in the resources we have, just look at our recreation department as one example. The blessings we're able to enjoy in this community — a lot of communities don't have those luxuries.
"I'm a firm believer in paying it forward, because anything you put into these organizations, you're going to get back tenfold."


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Broadcast your Giants pride with the New Era 18 Wheeler hat! With a curved bill and mesh back, this adjustable cap is reminiscent of old-school trucker hats. A sewn-on patch with embroidered team name and New York logo graphics on the crown make it clear that you're a G-Men fan through and through. Throw it on and declare your devotion to your favorite NFL team!
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Reach for the low-hype fruit
Mobile, social, big data . . . Before you rush down those paths, make sure tech strategy matches business strategy. Three technologies may make more sense
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- Written by Brad Smith
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- Comments: DISQUS_COMMENTS
As thousands of banks churn through their 2014 planning sessions over the next few weeks, there's no doubt bank technology will be a big part of those conversations. Department heads will come with lists of technology projects. IT folks will come with their lists. And increasingly, directors will come with their own tech lists.
How many times have you heard these statements from your board: "We need to improve our technology to attract younger customers"; "We need to improve our use of technology to drive better efficiencies"; "We need better technology to be able to compete with the bigger players"?
Those three simple statements could lead to the bank chasing its technology tail for the next decade.
Compounding the ever-growing list of technology projects is the perception that your bank is falling further behind your competitors. If you attend industry trade shows and read the trade press, you would think every bank in the country is making huge investments in multiple mobile-payment strategies, developing new personal financial management apps, rolling out biometrics, and tweeting daily updates of those projects to thousands of customer-followers.
If everyone else has a seemingly unlimited technology budget, how in the world can you keep up?
First, a reality break. Perhaps the top 25 banks are doing all that. But the actual deal activity in community and regional banks is very different, as the nearby chart demonstrates.
Yes, you have to be aware of what the megabanks are doing, because many banks compete with them. And yes, you have to follow demographic trends to understand how today's customers are redefining convenience. But the challenge for most banks isn't about keeping up; it's about determining how your tech strategy supports your bank's business strategy and then prioritizing your tech resources appropriately.
Align bank and technology strategy
If you were a predominantly commercial bank and saw a competitor offer a splashy new mortgage product with a ridiculous rate, you wouldn't think anything of it. Yet many commercial banks see the bank down the street roll out cool, new consumer-focused technology and scramble to match it with the justification: "We need to be relevant to Gen Y."
If growing your Gen Y customer base is a top-five strategy for your bank, you need to build out a strategy for doing that and then determine the technologies you need to execute it. You don't pick a one-off technology and hope that blossoms into a winning, overall Gen Y strategy.
So the first rule of tech strategy is that it must support your bank's business strategy. As simple as that sounds, it rarely happens.
Abound Resources' annual Insights survey highlights this problem. Heading into 2013, bank CEOs reported that their top three strategic priorities were to grow commercial loans, use technology for better efficiencies, and address growing regulatory requirements.
One would probably expect IT executives from the same survey to list their priorities as technologies to support those business strategies—for example, commercial loan origination systems, enterprise content management (ECM) with workflow, and enterprise risk management systems.
Wrong. IT executives told Abound that their top three priorities were fraud management, information security, and internet banking system upgrades. Those are also important priorities, but the lack of alignment between bank strategy and IT strategy leads to wasted technology dollars, underutilized systems and unmet expectations. The problem is not new. It has happened in each of the past five annual surveys.
So what do you do? Document your bank's strategic plan. Then, answer these key IT questions:
• What are the top three to five IT priorities over the next three years that will support the bank's three-year goals?
• What do you expect IT spending to be over the next three years to support those priorities?
• What are the top three to five IT initiatives for 2014 that will support the bank's one-year and three-year goals?
• What is the 2014 IT budget to support those goals?
• What two to three key performance metrics do you want to track for IT, and what are your targets?
As you debate your IT priorities, force prioritization. Try to keep your list to the top three to five. Keep in mind, there are some tech investments where you need to be "best in class" and others where you merely need to be competitive. If your executives don't define this, your IT team most likely will look for the best in class and end up spending 20%-50% more than if all you really needed to be was competitive.
"Low-buzz" technologies to consider
As you consider various technologies to support your business strategy, it is tempting to focus on "high-buzz" solutions (see chart, p. 29). But don't forget about your existing tech investments or overlook new technologies that don't often get a lot of play.
Workflow automation. One of the high-growth, low-buzz technologies in banking today is workflow automation. This is essentially a programmed series of steps that route information and documents to appropriate users. When an image of a signature card pops up on a teller's computer because of a bank-defined rule, for example, that's workflow. Over the years, workflow has evolved from simple applications like signature cards to new-account opening and loan origination. Increasingly, banks are looking for bankwide workflow tools. ECM, discussed next, is now the preferred application for bankwide workflow automation.
ECM. This is the next generation of what used to be referred to as document management or document imaging. Today's ECM includes document management, document imaging, COLD/report management (computer output to laser disk), retention management, electronic forms, and workflow. It allows banks to add intelligence and automation to their paper and electronic documents.
It also has become the No. 1 tool for efficiency improvements. The paperless bank is now a reality: Any piece of paper that comes into a paperless bank (mail, customer financial statements) is converted to digital form and shredded by day's end. Any piece of paper the bank creates (notices, statements) is mailed out or shredded by day's end. No filing cabinets. No stacks of paper. No shadow files in branches. Every document and form is available anywhere. And every document and form follows the rules exactly as stated.
Here are a few examples of what ECM with workflow can do:
• Capture electronic signatures for new accounts, including a web-based signature for a joint accountholder who can't come into the bank.
• Scan a driver's license, and the name, address, and license number automatically populates your new accounts and CIF system, and the customer's picture is available for authentication.
• When a commercial customer emails its financial statements, the financials are automatically sent to the appropriate loan officer and credit analyst and removed from the "outstanding" list.
• Scan invoices, and the vendor, amount, description, and invoice number automatically populates the accounts payable system.
• Replace paper-based wire requests in branches with an electronic form. The e-form automatically routes to the appropriate manager for an e-approval. Once approved, it creates the request in the wire system. No paper. No faxing. Perfect audit trail.
Loan origination. If you aren't ready for the paperless bank, departmental applications with workflow also can drive greater efficiency and customer service improvements. Driven by interest in faster loan turnarounds, greater efficiency, and improved risk management and compliance, loan origination systems with workflow are increasingly sought by banks.
Vendor solutions don't yet provide a fully automated, end-to-end process for all loan types, but they're close. Many have a single solution for consumer, small business, and commercial, though commercial loan origination is driving investments. Typically, the solutions wrap workflow automation around credit analysis, statement spreading, underwriting, decisioning, documentation, servicing, and portfolio monitoring. With the solutions, you should expect:
• To get to a paperless loan committee that reviews files on tablets.
• To catch more loan exceptions before they become an exception.
• A well-documented audit trail of how and why decisions were made.
• A simple, standardized credit analysis approach for each loan type.
• A standardized, automated workflow to "walk" your lenders through how credit analysis should be done, and how the forms need to be completed.
• To view credit requests through the entire process and be notified as the request moves through each stage. You can even notify customers through the stages to preempt status calls and emails.
• Single data entry as well as tight integration with core, credit reporting agencies, vehicle valuation services, etc.
Don't forget about core
Let us also not forget about your core system. In general, core typically accounts for 25%-40% of total tech spending, and banks typically only use about 40% of core functionality. So often the best return on your tech budget is to simply invest some time in improving use of your core.
Often, a series of small utilization improvements can lead to measurable efficiency gains.
If a CSR does ten basic transaction or inquiry types every day, why not create one screen that allows her to do all those without 15 mouse clicks and endless scrolling? Most core systems allow you to customize screens and navigation for each user type or for individual employees, yet few banks use this feature. Simply eliminating 20 minutes a day of hunting and clicking frees up nine workdays a year.
Eliminating paper-based tickets in your bank by using the online entry system in cores can often eliminate one full-time position.
Paying $15,000 for an interface between core and a third party system that eliminates 1,500 hours of data entry over the next five years is a no-brainer. Yet many banks don't pay for third-party integration.
Just using the auto balancing and auto reconciliation features of your general ledger or your account reconciliation module for official check reconciliation, and setting your prepaids and accruals to run automatically in your general ledger can eliminate 400 hours of data entry in your accounting department.
Using the collateral management systems within your core to automatically generate letters and age exceptions, and build the checklist when you book new loans secured by collateral can save time, improve compliance, and eliminate errors.
Likewise, most banks don't need to make investments in big data. Instead they should use their core report writer more effectively. The custom report writer eliminates all the spreadsheets created for logging, tracking, and reconciling. Connect both directly and indirectly related accounts in the CIF module, and then use your bank's report writer for householding and marketing analytics and to generate lists for direct mail and email.
Further, some core systems detect where a customer's transactions are taking place and reassign the customer's branch identifier to the appropriate branch or cost center, giving the bank a truer picture of profitability.
Upgrade IT governance
In addition to adding or merely turning on unused functionality, it's important to put governance practices in place to address the reasons for underutilization issues.
The two primary reasons banks suffer from poor core utilization are:
1. Not knowing what features are available. Since most core products have thousands of features and most banks rely solely on a product demonstration or training session to initially learn them, it's not surprising that so few bankers know what their core systems can do. Plus most core vendors have at least one major update a year and several periodic fixes, so feature lists grow.
2. Poor core system implementation. This is nearly impossible to recover from. Momentum is lost and everyone subconsciously judges the core product as a lost cause. Be sure you and the vendor get it right.
Also, vendors contribute to the idea of "paving the cowpath." Often, banks pick a replacement core provider based on a number of features they deem better than those of their existing provider. They expect the new and improved features to be there when the vendor implements the new system. But most core vendor implementation teams encourage banks to merely copy over the bank control records from the old system to the new one. It makes testing and balancing easier. If you don't insist otherwise, you will simply lay a new core system with improved features on top of the old, but very little will actually change.
So what governance steps can you put in place to prevent, detect, and correct underutilization?
1. Assign application owners. Bank core systems have become too big for any one person to be the expert. Today's best practice is to assign the appropriate business line owner for most of the core modules. Someone from loan ops, for example, should own loan accounting. These application owners are responsible for knowing the capabilities of "their" systems and ensuring people are adequately trained.
When new vendor releases are announced, application owners attend webinars and read release documentation, and then come back to their departments with ideas on how to take advantage of new features. They send enhancement requests to the vendor, participate in vendor user groups, and learn about developments in their types of systems outside of your vendor.
2. Conduct an annual utilization review. This can be done internally by application owners or with the help of your vendor or outside consultants. Rotate modules around and schedule them on your IT steering committee calendar. Perhaps you'll have a core loan accounting utilization review in the fall and a deposit accounting utilization review in the spring. Document improvement ideas, execute, and check back to make sure you don't backslide.
3. Use a structured evaluation methodology. The next time you evaluate competing vendors, document requirements before you talk with any of them. Use this list to guide the evaluation process (RFI, RFP, demonstrations, due diligence) and implementation process, so you control the outcome of your implementation. Do not let replacement vendors pave the cowpath.
Putting it all together
As you can see, technology success is built just as much on good planning, execution, and governance disciplines as it is on the technology itself.
And when technology success comes together to support your bank's strategy, you can do things even the megabanks banks don't do.
So are you buying one-off technology in search of a problem? Or are you using technology to support your bank's business strategy?
Brad Smith is president, CEO, and cofounder of Abound Resources, an advisory firm that helps community and small regional banks achieve their goals by breaking through current sales, operations, technology, risk, and compliance challenges. For more information, go to www.aboundresources.com
"Day in the life" of a tech-enabled business banker
Let's say one of your bank strategies is to grow your small business segment. You get a team together to better understand small business owner needs and then you build a new sales model to go after that segment. You round out your product and package offerings to meet their needs, and you use technology to empower your sales people and deliver those products. If you do all that, it leads to the following 30-minute new sale:
Susan Jones, your business banker, finishes a customer meeting at the customer's office. She has two hours before her next appointment, so she checks her iPad, which is synced to the bank's CRM system. There are two other businesses in the building on her prospecting list.
The first one is a professional services firm. Because the bank bought a list and populated its CRM with third-party data, Jones sees that the business is an accounting and bookkeeping firm with $2 million in revenues and seven employees. Robert Smith is the owner, and he's already pre-approved for a $25,000 line of credit or business credit card.
Jones looks up Smith's LinkedIn profile: He is a University of Texas graduate, he used to work at KPMG, and he's also connected to the CEO whose office she just left. She uses this information to get two minutes with Smith. After asking three great questions to understand Smith's business, he gives Susan more time, as he's impressed that she understands his business. He also thinks to himself that in five years, his current bank has never once been to his office.
Jones recommends a suite of deposit and payment services and mentions a great introductory offer to get started. She says that he's pre-approved for a business credit card, and she can get him started now, without having to come into the bank. Smith loves the idea and Jones has all the forms pre-filled with his information. All he has to do is sign on her iPad. She spends five minutes showing his office manager how to use the bank's internet banking system, including the tie-ins for ACH, business credit card, and merchant services.
In 30 minutes, Jones closed a $200,000 business checking account, a small merchant services account, and a $3,500 per month business credit card account. All forms, including the customer risk assessment, were completed without paper and are stored on the bank's enterprise content management system. In six months, Smith has moved all his personal business over to Jones. Jones heads down the hall to meet her next prospect.
Tagged under Technology,


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Key filmmakers
This section presents some of the NFB's internationally acclaimed animators and highlights their contribution to the art and technique of filmmaking. It is a work in progress and should not be considered exhaustive.
For information on other NFB animators, see the Portraits section www.nfb.ca/portraits.
Martine Chartrand
Martine Chartrand's work is notable for its generous humanism, its social commitment and a remarkable global approach. These qualities are already apparent in her first film, T.V. Tango (1992). It proved her to be a filmmaker with a highly developed social conscience, whose classically inspired imagery carries a lucid and cogent message, full of real sympathy for the children she portrays.
Richard Condie
Richard Condie's unique creatures, motifs, sounds and situations have astonished and delighted audiences and critics around the world for over a quarter of a century. A brilliant animator, he has created a place like none other, filled with apprentices perpetually running into trees, squabbling Scrabble-playing couples, pig birds unleashing strange bugs on Canada, procrastinating pianists and headless boys who are heedless of risk, until it's too late.
Michèle Cournoyer
Confrontational relationships between men and women form the thematic core of Michèle Cournoyer's work, which covers a gamut of situations ranging from the tribulations of married life (A Feather Tale) and sexual desire (Accordion) to the dramatic repercussions of incest (The Hat) and our obsession with ageing (Dolorosa). Michèle Cournoyer takes the point of view of female characters to create images that are both painful and darkly humorous. The emotions generated by her work are frequently disquieting.
Francine Desbiens
Jacques Drouin
Jacques Drouin's career is linked to one of the rarest of animation techniques: the pinscreen. Since few films have been made using this device, it is difficult to compare his work with that of other animators. His films follow the tradition established by Alexandre Alexeïeff (1901-1982) and Claire Parker (1906-1981), who pioneered the technique. Although their influence on Jacques Drouin's films is obvious, he developed his own style by exploring the pinscreen's potential.
Pierre Hébert
Chris Hinton
Chris Hinton is a stalwart of the contemporary Canadian animation community. Festooned with awards and twice nominated for the Oscar, Hinton is a master of technique, a charismatic professor of animation at Montreal's Concordia University and a director who moves easily from indie work to commercials to filmmaking at the National Film Board.
Co Hoedeman
In the 1960s, when Co Hoedeman was making his first animation films with marionettes, the technique had been dominated for several years by Czechoslovakian realism. The marionettes of Prague puppet master Jirí Trnka, for example, were highly stylized, yet mimicked human body language and possessed a lifelike appearance.
René Jodoin
René Jodoin has worked as a director and producer. Although he viewed the two careers as one continuous endeavour, it is appropriate to approach them separately because of their very different natures. Jodoin was among the first generation of filmmakers hired by Norman McLaren at the NFB in 1943. Of all of the filmmakers in the group, he is undoubtedly the one who was most influenced by McLaren.
Evelyn Lambart
Evelyn Lambart will always be recognized for two things, neither of which reflects on the quality of her own work. She was Norman McLaren's closest collaborator, the co-director of six of his films, including such masterpieces as Begone Dull Care, Short and Suite and Lines: Horizontal. As important as her role in McLaren's work—and it was absolutely essential, including, most famously, incorporating dust in Begone Dull Care—Lambart was, perhaps inadvertently, a pioneer.
Caroline Leaf
It's not how many films you make or books you write that is important. Quality always trumps quantity, whether it's the singular novel of Emily Bronte, the sculpture of Camille Claudel, the poetry of Sylvia Plath or the films of Caroline Leaf. A true auteur, Leaf has created her own universe, inhabited by fragile creatures whose desires are thwarted by circumstances beyond their control. It's a world of rigid contrasts, of bugs and people, of owls and geese, of children and dying matriarchs, of women in darkness meeting men in the light. Leaf's colour palette has grown darker as her work has progressed.
Arthur Lipsett
Arthur Lipsett was a visionary, a satirist and a creative thinker who manipulated the elements of cinema to create a memorable and consistent body of work. A film poet, Lipsett realized his vision through creative mixing of footage discarded by other NFB directors and material that he shot and recorded himself. By juxtaposing sounds and images taken from a variety of sources, Lipsett was able to make something fresh and artistic. He forced the viewer to think and experience film in an entirely different way: not solely as entertainment but as a way of interrogating the world.
Bernard Longpré
The wide variety of techniques employed by Longpré should not blind us to the fact that his films are first and foremost graphic works consisting of images linked by a narrative thread. These characteristics are already apparent in his first film Test 0558 (1965), an abstract work in which he experimented with the potential of using a computer (in those days a relatively unfamiliar machine).
Norman McLaren
Norman McLaren was born in Scotland in 1914. His interest in filmmaking began early in life after he became acquainted with works by the great Russian filmmakers Eisenstein and Pudovkin and the German animator Oskar Fischinger. While a student at the Glasgow School of Fine Arts, McLaren's fascination with dance led him to make such stylized documentaries as Seven Till Five (1933). He subsequently joined the General Post Office Film Unit (GPOFU) in London, where he worked under John Grierson.
Grant Munro
A star of Neighbours, one of the most acclaimed productions in NFB history, Grant Munro lent his talent and charm to a variety of films in a career that lasted four decades. Part of the first generation of artists to join the Board in its nascent years in Ottawa, Munro, like Colin Low and Wolf Koenig, displayed an impressive versatility as a filmmaker. Munro was a great team player, always willing to contribute amiably to the collective creative process that was acknowledged worldwide as the great strength of the Film Board. Not only skillful as a director of animation and documentaries, Munro often displayed his prowess on screen as a dancer and actor. Munro's career at the Board sparkles with highlights showing off his diverse talents.
Ishu Patel
Ishu Patel has created a body of work that is obsessively concerned with profound philosophical issues. Is there an afterlife? What is the fate of humanity? Why does death exist? What must we learn to find paradise? These questions haunt the films of Patel. A brilliant animator, always willing to experiment, Ishu Patel's artistry propels his work, raising it to levels of complexity that justify his constant search for meaning in life.
John Weldon
John Weldon's storytelling ability, technical prowess and inventiveness place him in the first rank of animators worldwide. Never one to avoid controversy, he loves to wrestle with important themes in his work, ranging from issues of personal identity to questions of ethics and morality. A believer in the individual over a system that he often finds corrupt or too conservative, Weldon has consistently made work that is satirical and darkly humorous.


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Showing 1-6 of 6 items found in History
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Franklin County Jail Museum
This restored 1905 jail museum features displays on General John A. Logan, the Beatles' George Harrison, actor John Malkovich and basketball star Doug Collins.
CITY: Benton
Franklin County Garage and Auto Museum
Only 5 miles south of Rend Lake, this old 1910 Ford garage has been restored to its original condition and now displays vintage cars, Beatles and Charlie Birger, (the last convicted criminal to be hanged in Illinois) memorabilia.
CITY: Benton
Mary Smith Fay Genealogy Library
Located in downtown Carmi, this extensive library and museum offers history and research services.
CITY: Carmi
Ratcliff Inn Museum
1828 Stagecoach Inn -- Abe Lincoln stayed here as he was campaigning. White County artifacts also on display.
CITY: Carmi
Saline Creek Pioneer Village
This fascinating pioneer village includes the original Saline County Pauper Farm (now a three-story museum), an old jail, an 1859 one-room schoolhouse, the Cain Church, several 1800s log cabins, a barn and country store.
CITY: Harrisburg
McCoy House Memorial Library
This majestic four-story Victorian home, built in 1884 by banker A.G. Cloud, sits next to the old bank of similar architectural style. The house is now a memorial library and museum decorated with beautiful furnishings and paintings.
CITY: McLeansboro
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Harmonized Index of Consumer Prices: Mineral Waters, Soft Drinks, and Fruit and Vegetable Juices for Euro area (17 countries)©
The Harmonized Index of Consumer Prices category "Mineral Waters, Soft Drinks, Fruit and Vegetable Juice (01.2.2)" is a classification of nondurable goods that includes mineral or spring waters; all drinking water sold in containers; soft drinks such as sodas, lemonades, and colas; fruit and vegetable juices; and syrups and concentrates for the preparation of beverages.
This category excludes non-alcoholic beverages, which are generally alcoholic such as non-alcoholic beer (02.1).
This is a subcategory of both the Food and Non-Alcoholic Beverages (01) and the Non-Alcoholic Beverages (01.2) categories.
Information provided in the notes pertaining to HICP classifications can be found from the source at: http://ec.europa.eu/eurostat/ramon/nomenclatures/index.cfm?TargetUrl=ACT_OTH_CLS_DLD&StrNom=HICP_2000&StrFormat=HTML&StrLanguageCode=EN&IntKey=22470387.
Copyright, European Union, 1995-2014, http://epp.eurostat.ec.europa.eu/portal/page/portal/about_eurostat/policies/copyright_licence_policy.
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Police: Man accused of molesting children was foster parent
SPENCER — Authorities say a man charged with molesting children was a foster parent during the times those crimes are alleged to have happened.
And investigators are asking any more potential victims to come forward.
William Wayne Jones, 50, was extradited to Rowan County from Tennessee last week and charged with four counts of indecent liberties with a child and four counts first-degree sexual offense.
Investigators say those crimes happened between January 2002 and May 2005. They occurred, police say, at the home Jones — also known as Jake — shared with his wife in the 300 block of North Yadkin Avenue.
That was also the residence where Jones and his wife kept children placed with them by the Rowan County Department of Social Services between November 2001 and March 2004, when they were licensed foster parents, police said.
Spencer Police Chief Michael James said that while investigators don't know for sure, they believe it is "very possible" that the victims were foster children in Jones' home.
The alleged crimes were reported to the Spencer Police by the Cocke County Sheriff's Department in Tennessee after Jones admitted to them in a court proceeding there, a Spencer Police statement said.
He was interviewed by Tennessee detectives and the information was sent to Spencer Investigator N.W. Pacilio. The Spencer officer conducted further investigations and obtained warrants for Jones' arrest.
Jones remains in the Rowan County jail under a $1 million bond.
The investigation is ongoing. Police ask anyone with additional information or who believes they may have been a victim to contact Pacilio at the Spencer Police Department, 704-633-3574.


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Welcome to Disney Prep, the School for the gifted and discipline. We take the nastiest and most disrespectful teenagers and turn them around into respectful members of society. Students may be a bitchy princess or a spoiled prince, but we will give them highest form of education along with the best personal guidance, steering them in the right direction. Now don't let us scare you our school is one of the best in the world, if you have the most perfect outstanding children then let us make them the best of the best. Here at Disney Prep we stop at nothing when it comes to your children. With new ideas of teaching, Disney Prep is throwing students out into the real world. Disney Prep is no fairytale—we will room you with your worst enemy and we might even put you through some of your biggest fears. But here, you will become one of the greatest…you will show those you left behind what you are really made of. You can find us in the forests of New Hampshire
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Prepared by the Engineers Joint Contract Documents Committee (EJCDC).
Standard General Conditions for Procurement Contracts provides a detailed description of what is expected of both the buyer and seller, including definitions and terminology, preliminary matters, intent of the documents, bonds and insurance, seller's responsibilities, delivery, changes, buyer's rights, role of the engineer, payment, cancellation, suspension and termination, licenses and fees, and dispute resolution. This comprehensive document covers everything you will need to know on any procurement issue.
EJCDC includes the American Society of Civil Engineers, the American Council of Engineering Companies, the Professional Engineers in Private Practice Division of the National Society of Professional Engineers, the Associated General Contractors of America, and the participation of more than fifteen other professional engineering design, construction, owner, legal, and risk management organizations.
EJCDC documents are delivered in Microsoft Word format (file extension *.doc). Microsoft Word is required if you wish to edit the files.
Guide to the Preparation of Supplementary Conditions - C-800 (363 KB, DOC)
Commentary on the EJCDC Engineering Services Documents - E-001 (737 KB, PDF)
EJCDC Instructions for Use and License Agreement (27 KB, PDF)
Guide to the Preparation of Supplementary Conditions (EJCDC C-800) (369 KB, DOC)
Uniform Location of Subject Matter (EJCDC N-122) (249 KB, PDF)
Guidance on the use of EJCDC Funding Agency Edition documents on water and wastewater projects with RUS Financial Assistance (RUS 1780-26) (227 KB, PDF)
Commentary on the Terms and Conditions of the AOD Standard Form of Agreement between Owner and Contract (607 KB, PDF)
Construction Research Congress 2012
Public–Private Partnerships: Case Studies on Infrastructure Development
How to Select and Work Effectively with Consulting Engineers, 2012 Edition
Interpreting Construction Contracts
Journal of Legal Affairs and Dispute Resolution in Engineering and Construction
Project Administration for Design–Build Contracts
Ten Commandments of Better Contracting
Economics and Finance for Engineers and Planners


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Only 1950s cars can wear pink and as this 1955 Ford Crown Victoria proves it has the right curves to really pull it off.... More
1955 is the first year for the Crown Victoria. The car made its appearance as a two-door six-seater coupe. The Crown Vic differs from... More
1955 Ford Fairlane Crown Victoria, this is the first year of the redesigned hardtop coupe. The exterior of this Fairlane Crown Victoria is finished in... More
1955 Ford Fairlane Crown Victoria Coupe History The Ford Fairlane was an automobile model sold between 1955 and 1970 by the Ford... More


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Monday, 22 March 2010
So Where is Anne?
And working a lot. I was hoping that working double shifts would get me some extra cash but they are back to not paying overtime and we are getting extra time off instead. Which, of course, leaves the wards even more short staffed.
I had the fright of my life yesterday. Have to change details to protect confidentiality and all that.
I was on duty with one other RN and an an inexperienced auxilliary who did not know how to make a bed. For the whole floor.
One of my patients was having a procedure downstairs and the department demanded, DEMANDED that the patient get transported back to my ward with an RN escort. That means I had to go down there and bring him back. They are, of course, better staffed with less patients but for whatever reason the department staff always refuses to bring patients back. We went back and forth for some time. I told them that there was no way I could leave the ward to dick around down there waiting for porters and such. But I got sick of them ringing me constantly and accusing me of messing up their list thus delaying patient procedures in their department. I knew I wasn't going to win. I know they don't understand nor do they want to hear about the short staffing on the wards.
Against my better judgement I went. And I got stuck down there waiting for them to get it together and then waiting for the porter. I harassed them and reminded them that I really really needed to get back to the ward.
When I got upstairs I was wheeling this patient who immediately needed post procedure observations taken into his bay. I peered into the bay across from his to see a young patient of mine looking very funny. I ran to this person and it was obvious that this patient was in respiratory arrest. Was not breathing. Still had a pulse though. I dumped the post procedure patient (distressed that I was leaving him on a trolley in the middle of the bay--he didn't understand what was happening) and put the resus call out.
Holy shit. This person has a history and was probably in the throes of a seizure while I was getting dicked about by recovery who couldn't be bothered to bring the patient back to the ward. Following the fit, he stopped breathing. And a I suppose it was several minutes later that I saw him. I have no doubt if I had been on the ward, or if there was 1 RN per bay it would have been dealt with immediately. The auxilliary didn't even understand that the patient wasn't breathing.
We have more patients going for diagnostics and procedures every hour that require nurse escorts than we have nurses to escort them. The ward is almost always increasingly short staffed as a result. So basically if we have 2 nurses and 2 auxillaries on shifts we are often left with two staff on the ward because of escorting.
I really fucking hate the people I work for.
I went to this study day/ meeting where we had our (old fashioned trained not been on a ward in 30 years) leaders telling us to read the reports on Staffordshire and cry for the suffering that was dished out by our colleagues. They wanted suggestions about how to "improve" care and efficiency. They want more with less but patient care will not be harmed and we will not be a staffordshire. They told us over and over that 20 billion is getting cut out of the NHS budget and that the current system is unsustainable. They shut down and refused to discuss RN staffing when we mentioned it. The even chortled. Sadly, they don't understand that it is cost effective to have more RN's at the bedside.
Other head managers were at this thing saying things like "we are listening to our nurses". He shocked me when he said it. Then I saw a journo and a photographer from our local paper at the back of the room. As soon as the journos split so did the chiefs. But they had a nice little photo in the paper with a "We are listening to our Nurses" headline.
16 comments:
- Hayley said...
One of the things I learnt relatively early in my NHS career: the higher up they are, the less likely they are to listen.
I'm not clinical, but it doesn't take a genius to work out that there are problems with the NHS as is. That said, I'm always horrified when I read your posts about just how short staffed you are, and I wonder 'is it like this at my hospital?' I don't think it's quite that bad, but I know we're short staffed on the wards. We're short staffed everywhere, actually, except on the management corridor...
The thing that angers me the most is that the managers don't seem to understand - we're doing our best. I'm actually very lucky - my manager is a nurse who's worked his way up, and is very proactive if I ask for tools to facilitate my job. That said, I've been managed in the past by someone who, when told morale was low, informed the department that there was none in the cupboard. This manager also started out as a nurse.
I don't know what the solution is. I'm fairly sure cutting back on frontline staff is not the solution, though. Sadly, the hospital hierarchy has yet to realise this...
- 22 March 2010 16:16
Our A&E dept (like Stafford) is often short-staffed. Yesterday I had to attend to someone who was having a seizure - an obvious priority, but I had to abandon someone who was having chest pain to do it.
All the while that I was tending to the fitter (ongoing seizure, blue, clammy, losing her airway etc) I was stressing about the patient with chest pain. Was she having an MI? I haven't had chance to do her ECG, was she stable...she looked a bit grey but I had to abandon her for the fitting lady. No-one else around to take over. (Apart from a bunch of managers hanging around the office stressing about 4 hour breaches coming up, looking rather annoyed at the lack of nurses to shift breaching pts to the wards.)
Once lady had stopped fitting I got yelled at by a colleague for some HELP NOW PLEASE(!) with a LVF patient drowning in his own secretions - SUCTION QUICK!
So...lady with chest pain was then abandoned, along with post-ictal fitting lady. Sorted out the crashing LVF, headed back to the fitter, who had vomited all over herself whilst semi-conscious.
THANK GOD I'D LEFT HER ON HER SIDE because she would have been vomiting into her airway completely unnoticed otherwise.
Eventually got back to the chest pain, who thank goodness was not having an MI. Bastard managers all stood watching us running round, giving us evils because by this time, patients had breached 4 hours.
I can't stand it anymore, this is NOT what i went into nursing for :(
(Which I suspect is exactly how the Stafford nurses felt, and those poor sods are now taking the blame)
- 23 March 2010 02:09
- 23 March 2010 02:14
- Nurse Anne said...
Hi Anonymous,
And I bet you had 10 others bitching and calling you evil and "lacking in compassion" because you weren't bringing them a bedpan during all that.
Running down the ward with a bag of phenytoin for my arrest patient who came around and then started fitting again I yelled at the only other staff nurse who I was working with to get observations on my post procedure patient who was still sitting on a trolley in the middle of the bay in god knows what kind of condition. The only other staff other than the other nurse was an auxilliary who couldn't take obs.
I shouted to this other nurse to check on my post procedure patient on my way down the ward back to seizure man. This led to the crash team who was still with the fitting patient to yell at me and say "stop chatting to your colleagues and move it along". I had to spend ages hunting for more anti seizure drugs because there were none on the ward.
- 23 March 2010 03:15
He hee, anonymous (2:14) it's only taken 7 years to wake up to the concerns highlighted in the BBC item you link to;
The RCN arrived at similar conclusions about A&E some time ago;
Sadly, nobody is listening.
Speak up about it and risk being marginalised, or worse.
My mortgage provider would be unlikely to advocate such a reckless course of action - many honourable NHS whistle blowers will understand (from bitter experience) why this is the case?
- 23 March 2010 04:15
omg Anne, I can't believe you said this
"And I bet you had 10 others bitching and calling you evil and "lacking in compassion" because you weren't bringing them a bedpan during all that."
Because thats exactly what happened! A relative asked me for a bedpan during all this, and I said "i'll be with you as soon as i can" Obviously 20 minutes later I still hadn't got there, and she poked her head out of the door and glared at me like i was a piece of shit as i ran past. When i did eventually get there with the bedpan she completely ignored my attempt at apology, staring at me with evil eyes and absolute disgust. I was gutted :(
- 23 March 2010 05:24
keep smiling Millie... we love you...
- 23 March 2010 15:23
- Dino-nurse said...
The 4 hour "target" is what drove me out of ED in the first place. I am very aware of just how coddled we are in ICU and have made a bit of a name for myself amongst manager types because I do stick up for my colleagues...I have been called the "IR1 queen" and several far less complimentary things. The NHS today sucks and it is only going to get worse. Jump forward 20 years and we will have an insurance based system because its the only workable one...even Obama shied away from the idea of "free" healthcare for the poorest...instead all will be required to take out insurance. Thats where we are heading...massive ICU hubs staffed by RNs and general wards staffed by APs and HCAs that will care for those with poor insurance...most days the ICU cares for 75% patients who would be 1)uninsurable due to age/health or 2)never contributed to NI so would still be uninsurable...upshot being that most of our patients would no longer make it onto the ICU in the first place.Managers would love it...no nasty patients overstaying their welcome on the ICU and then dying despite all that cash that was thrown at them.
- 23 March 2010 15:25
- Nurse Anne said...
You are right Dino. It isn't workable. So many dumb americans think that under Obama they are getting a system like the UK's or Canada. Ha ha ha ha ha. That is not what they are getting at all.
- 24 March 2010 00:41
- Nurse Anne said...
Free market has never been tried. Not even in the USA where the whole show is controlled by government/corporate co-ops. I don't think that insurance is so great either. There is an alternative.
- 24 March 2010 00:43
Hey Anne,
It's Casey. I am so glad you are looking for another job! You can't keep working there. I am ambivalent about the Obama legislation. I hope it works out, but I just don't know. I know I don't want to work under the conditions you are subjected to in the UK. And I don't want a cut in pay. I am wondering what exactly this legislation is going to do to me and my colleagues financially. I was not for the bill in its present form. But that's what we're getting. I guess I'll say a prayer and hope for the best. We need reform. I'm just not crazy about mandated insurance as a solution. But it's a great day for Big Insurance here in the states. They just gained a captive customer base.
Casey in the USA
- 24 March 2010 05:09
- delcatto said...
As ever the 'proposed'(already happening) cuts will hit frontline services.
- 27 March 2010 12:53
- Dino-nurse said...
My Trust is in the red, so we have been told to stop agency and bank shifts. Also there will be few jobs for students qualifying this summer (again). My husband has been offered a job in Canada...so I have a bit of a dilemma. Children would be able to take GCSE results and slot into final year for A level equivalents, it seems. Any ideas as to what its like to nurse there?
- 28 March 2010 05:18
- Nurse Anne said...
Nursing is tough and harsh everywhere. But Canada is beautiful. Especially Vancouver area and Toronto area. You will have a lot more in the way of job options if you are unhappy in one place.
I would run from the UK. I would be gone now if I could sell the house. Things are going to get a lot worse. When I went to this meeting recently where they were going on and on about the system being unsustainable and cuts cuts cuts my heart sank.
- 28 March 2010 06:26
Over here, we also add the public and all media to the list of Dicks. All of the Dicks are guilty of mismanaging Health Care everywhere. I need to stop watching Dexter, it isn't healthy for me or the Dicks. Oh when nurses go rogue!
- 19 April 2010 09:36
Dino-Nurse, come to Canada. It's still not as bad as it is in other parts of the world as far as nursing goes. With an ICU background you will have no problem getting a job. We have such a shortage here. Avoid Toronto though, way too big. Avoid anything in Quebec (nice place to visit but you don't want to work there). Alberta is fine except for the bigger cities. Vancouver or Victoria or Ottawa or any of the smaller towns and cities are fine.
- 19 April 2010 09:42


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You love the look of Gelish Gel Polish; after all, that's why you are here. If you have never applied gel nail polish, you may be in for a bit of a surprise. While the act of applying the polish is very similar to applying traditional nail polish, there are more steps involved both before and after the application of the gel nail polish itself. These added steps are not only what gives gel nail polish that beautiful shine, but they are also what makes gel nail polish so resistant to chipping or flaking for up to three weeks!
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Baker's Store
October 2007
The Singing of the Crackling Loaf… At Last!
Tom's No Knead Bread Ecstasy
Amazing But True Sourdough
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Breadtopia Visits The School of Artisan Food
Breadtopia Visits the Asheville Bread Festival
Whole Wheat Croissants – Instructional Videos
Bread Making Videos
Sourdough Rye
- Best rye bread recipe ever
Spelt Sourdough
- Healthy, delicious & easy. Is there more?
Sicilian No Knead
- You need this!
Basic No Knead Method
- Baking bread the No Knead way with instant yeast
Whole Grain Sourdough
- A traditional European style whole grain sourdough – delicious
Moist Whole Wheat Banana Bread
- Delicious whole wheat banana bread. Yes, really!
Campfire Bread
- How we spent a summer vacation
100% Whole Wheat Bread
- How to make a light 100% whole wheat bread
Couronne Bordelaise – Bread Ring
- Make friends and influence people with this one
Sourdough No Knead Method
- No knead bread baking for the sourdough lover
No Knead Recipe Variations
- Some of my favorite No Knead bread recipes
Cook's Illustrated "Almost No Knead Bread"
- Tasty "rising star" of the No Knead family – Includes sandwich loaf version
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- Quality pizza requiring minimal time and effort
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- Essential (and cool) pizza baking and grilling supplies.
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Stollen Chronicles
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Yuletide Panettone
Taste the holiday spirit
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Commercial Yeast No Knead Bread Recipes
- No knead recipes that use commercial yeast for leavening
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Make Your Own Sourdough Starter
- A bread bakers power trip: make your own starter.
Managing Your Sourdough Starter
- More than you need to know about keeping your starter happy.
Drying Sourdough Starter For Long Term Storage
- The title says it all…
Reviving a Dried & Live Sourdough Starter
- It's easy to bring a dried starter back to life, or resuscitate a live one.
How to Acquire a Sourdough Starter
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- A great low sugar kid (and everyone else) treat.
- Small buttery, moist but chewy almond cake, often topped with fruit jam or dark chocolate squares
Strawberry Rhubarb Pie
- This video reveals the true secret of eternal happiness
Things Related to Flour for $100, Alex
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Recent Comments
{ Eva just add 1-1/2 cups sliced or chopped olives to the basic no-knead recipe. Mix in with flour, water, yeast. Everything else is the same.... } –
Oct 25, 10:28 PM
{ I can't find the recipie for the kalamata olive bread. Where is the recipie for this, please. } –
Oct 25, 10:16 PM
{ I made this wonderful no-knead kalamata olive bread for the first time and it was better than anything I have had from a professional bakery.... } –
Oct 25, 4:27 PM
{ I've found that dark rye is a lot thirstier than light rye. I'm told it's the same difference as white wheat flour vs. whole wheat... } –
Oct 25, 9:20 AM
{ When doing the rye bread my dough was not near wet enough with the 400 ml. I did weigh it out but had to add... } –
Oct 25, 7:18 AM
{ Do you have an oven thermometer you can use to check the accuracy of your oven settings? In any case, I'd just lower the baking... } –
Oct 23, 8:09 PM
Recent (and not so recent) Posts
British Bread Adventures Pt 3
British Bread Adventures Pt 2
British Bread Adventures Pt 1
Making Bread with Kids - Book Review
Yuletide Panettone
Exciting New Bread Books
Gluten Intolerance and Bread
Whole Wheat Croissants
Breadtopia Visits the Asheville Bread Festival
How Batistine Made Bread
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Cable vs. Satellite
Compare the differences and get the right service for you.Compare Now
Are bundles bogus?
Nope, they can save youSee How
a bundle of cash.
See the provider map.
You want cable, you need cable, but who is your cable provider?View Now
It's easy to get cable. Call 1-866-921-5828
Why Cable TV in Osco, IL
If you are looking for affordable entertainment in Osco, IL, choose cable TV. Cable offers programming for every taste; it's an affordable way to get the programming you want. It offers hundreds of all-digital channels, HD programs, movies and On Demand titles, for hours of entertainment. And you can easily bundle cable TV with high-speed Internet. Cable Internet is faster than DSL; cable bundles can save you up to $400 every year. Plus cable is:
Cable TV offersmore HD choices
Snow may mess up satellite, but itdoesn't faze cable
Cable can beinstalled virtually anywhere
TV Use in Osco
If you thirst for cable TV knowledge, we can help. CableTV.com has cold-filtered cable data on tap and ready for consumption. Try this (it's on the house): almost everyone, or 97% of Americans, watches television as it is aired and roughly 33% of those TV viewers have at least four televisions in their homes. Upwards of 50% of people also stream video content online. Among those with cable TV, almost three-fourths bundle their service with high-speed Internet. Cable's ubiquitous national presence also helps explain how DVRs account for about 7% of America's total TV viewing.
All those stats mean that if you don't own at least one TV for every room in your house, chances are your neighbor to the left or right of you does. It also means that almost everyone you meet today will watch a TV tonight, and 57% of them will use either their DVR or their Internet to do so.
Why Choose Cable Internet in Osco
Cable providers have so much more to offer than TV. That is why so many Osco residents bundle cable services. Cable Internet is faster than most DSL services, providing downstream speeds 25%-100% faster than the national average. People who choose cable bundles also save money, roughly $400 every year they bundle TV and Internet. Both are very good explanations why cable Internet subscribers represent 32% of households, and how broadband penetration in Illinois grew to 69% by 2010. Enter your zip code to find out more about cable Internet, bundles and providers in Osco.
It's easy to get cable, Call 1-866-921-5828
CableTV.com Loves Osco, IL Actors
In Osco's Who's Who of TV land, Simon Baker is among the elite. TV.com recently rated Simon Baker as the 13th most popular actor on television. Baker, who plays Patrick Jane in the hit CBS series, "The Mentalist," is an Australian born actor who was given his first acting role in the 1987 TV movie, "Midnight Magic." Baker is also known for his role in the TV series "The Guardian," which aired between 2001 and 2004, also on CBS. You can catch Simon Baker on cable TV in Osco, IL.
Find Cable TV in Osco
All that should show that we know television like GOB knows illusions. Leave it to us to find the cable provider in your area, and we aren't being conceited about it. In general, local government licenses only allow one cable provider per locale, so cable companies typically don't overlap in the same geographical region. All you have to do to find out who your Osco provider is to call us at the number above.


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I was with a guy for about a year and i would always go and see him on the weekends. I loved him but he would always shout at me or call me horrible names but i would still go and see him. all my friends and family told me not to as they knew what he was like but i couldnt help it. then one time i went round and we were downstairs and we had to be quiet because his family were asleep. We started hving sex but then he started trying to have anal and i didnt want to but i couldnt move as the sofa was in front of me. He carried on doing it and it was horrible. Afterwards i was shaking and crying he just told me to grow up. I've tried to tell him what he did was wrong but he just says im being disgusting telling him thats what happened. I told my friends but i cant tell my parents. He keeps texting me and wont leave me alone. I dont know what to do. :(Reply
anonymous - 17/04/2012


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Kelly Shimoda for The New York Times
News about Ikea, including commentary and archival articles published in The New York Times.
Ikea to Increase Minimum Hourly Pay
The retailer said the average hourly pay in its American stores will jump to $10.76, a 17 percent increase.
June 26, 2014, Thursday
MORE ON IKEA AND: Shopping and Retail , Minimum Wage , Ikea , Wages and Salaries
By One Measure, China Set to Become Largest Economy
In terms of purchasing power, China's economy is poised to overtake the United States economy this year, but numbers don't always tell the entire tale.
April 30, 2014, Wednesday
MORE ON IKEA AND: Japan , Hong Kong , Germany , United States , China , World Bank , Ikea , International Monetary Fund , McDonald's Corporation , Economist, The , Gross National Product (GNP) , Economic Conditions and Trends
A Home Fixup Campaign for the Web
Ikea sent five employees on a home renovation tour, which they are filming for the Web.
April 2, 2014, Wednesday
CVC Capital Acquires Nordic Eyewear Retailer
CVC Capital Partners says it has acquired Synsam Nordic from an investment group controlled by the family behind the Swedish furniture retailer Ikea. Terms of the deal were not disclosed.
March 25, 2014, Tuesday
MORE ON IKEA AND: Sweden , Ikea , CVC Capital Partners , Shopping and Retail , Private Equity , Mergers, Acquisitions and Divestitures
Thinking Outside the (Big) Box
Treating retail workers much better may make everyone (including their employers) much richer.
January 5, 2014, Sunday
MORE ON IKEA AND: Ikea , Walmart Stores Inc , Labor and Jobs , Kronos Inc , Costco Wholesale Corporation , Ton, Zeynep , Shopping and Retail , Customer Relations
Ikea's Investigations Not Limited to Employees
A couple furnishing a vacation home in France found they, too, became the target of an Ikea investigation after they complained about a delivery.
December 16, 2013, Monday
MORE ON IKEA AND: Denize, Pascal , Ikea , Sweden , Privacy , France , Denize, Johanna
Revelations That Ikea Spied on Its Employees Stir Outrage in France
The case has spurred anger in a country that has put a high priority on privacy, and it remains unclear why the Ikea unit is said to have engaged in the practice so widely.
December 16, 2013, Monday
MORE ON IKEA AND: Privacy , Industrial Espionage , France , Privacy , France , Labor and Jobs , Ikea , Ikea , Courts and the Judiciary
France Investigating Ikea on Spying Allegations
French prosecutors are looking into charges that three Ikea France executives had personal data collected on employees and customers.
November 22, 2013, Friday
MORE ON IKEA AND: Privacy , Ikea , France , Suits and Litigation (Civil)
Wheelies: The Help Me Hyundai Edition
Hyundai offers relief to furloughed federal workers who own Hyundais, and a Swedish executive slides from Ikea to Volvo.
October 2, 2013, Wednesday
MORE ON IKEA AND: China , Sweden , India , Ikea , Volvo Car Corp , Zipcar Inc , Hyundai Motor Co , E-ZPass , Automobiles
Sure, It Purifies Air, but Can It Save the Galaxy?
The Patrull air purifier from Ikea has been compared to a robot.
September 5, 2013, Thursday
MORE ON IKEA AND: Air Pollution , Shopping and Retail , Ikea , Home Appliances
How Swede It Is In-Store
Mats Nilsson, a product design strategist for Ikea, has spent the last 27 years helping the Swedish retail giant democratize design.
Rss Feeds On Ikea
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Brilliant gems set in a gleaming metal disc spell out the letter of your choosing in braille. To keep them brilliant, the gems are set flush to the surface rather than raised as is traditional in Braille. You choose the letter below, precious metal, and gemstones, and our artisans will craft your pendant by hand. See Details
Gemvara jewelry is truly personal: you design it, choosing gems and metals to celebrate your story, and we craft it just for you. We'd love to help you find your perfect piece! (more)What quality are your gemstones?
They are all-natural and hand selected fine quality. (more)


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Business type: Technology - Manufacturer ×
Category: Monitoring & Testing ×
Location: Africa ×
Location: Swaziland ×
Shiv Dial Sud & Sons
Shiv Dial Sud & Sons was established in 1943 to manufacture Educational Equipment & Glassware for Teaching of Science. It has achieved continuous progress & major expansion in business since then. The company took to exports in 1967. It has been exporting almost all its production since last 40 years to more than fifty countries all over the world. We are ISO 9001:2008 ...
Socorex Isba S.A.
We are a Swiss manufacturer of precision liquid handling instruments. Electronic and manual, single and multichannel micropipettes, repeaters, dispensers, pipette controllers, automatic syringes, pipette tips and accessories constitute the offering. The most ergonomic and high performance Acura manual pipette line is particularly attractive to laboratories demanding ...
Tapeswitch Corporation
Tapeswitch Corporation manufactures switches, safety mats for area guarding around machinery and equipment, safet edges for emergency stops and door and gate guards, etc. safety bumpers for heavy mobile equipment, perimeter guards, light curtains and offer non-contact interlock for machine guarding and monitoring of doors, gates and, enclosures, and trapped key interlocks ...
Starna Scientific Ltd.
Starna Scientific Limited is a wholly owned subsidiary of the international group of Starna companies whose reputation is synonymous with quality and service in the manufacture and supply of spectrophotometer cells, optical components and certified reference materials around the world.
Weightron Bilanciai Ltd
Weightron is a leading suplier of weighbridges, weighbridge software, driver-operated systems, radiation detection systems, automatic number plate recognition systems, industrial weighing equipment, crane scales, and process weighing systems.
The Flexitallic Group
The Flexitallic Group is the international market leader in the manufacture and supply of high quality, high value industrial static sealing products, delivering industrial gaskets on a global scale. Flexitallic is a progressive, socially aware company committed to integrating ethical and environmental factors throughout our business strategies, constantly improve our ...
GRAW Radiosondes GmbH & Co. KG
Graw is a well-established German company developing and manufacturing Upper Air Sounding Systems since 1938. GRAW's customers are military, academic research and meteorological institutions worldwide. As a 100% daughter of the family-owned NORIS Group, GRAW has access to more than 200 professionals worldwide but still benefits from the flexibility and fast decisions of ...
PlantSensors is the manufacturer of the authentic Granier`s TDP sap flow sensors and the complete sap flow measurement system. Granier`s sap flow measuring system (Granier, 1985, 1987) stands for its simplicity and versatility and is now one of the mostly used methods by tree ecophysiologists and forest hydrologists in the world. PlantSensors has specialised in making ...
Chr. Mayr GmbH & Co. KG
Mayr power transmission is one of the most traditional and yet at the same time most innovative companies for power transmission. The company has dedicated itself to power transmission since its foundation in 1897. It began with transmissions for sawmills and mills. As electrical power transmission gradually became more and more popular, the company began to develop and ...
RheoSense Inc
RheoSense is a global high-tech company based in Silicon Valley. Our innovative m-VROC & microVISC instruments feature patented Viscometer/Rheometer-on-a-Chip (VROC) technology. Utilizing state-of-the-art MEMS and microfluidics breakthroughs that redefine the viscometry industry, our instruments offer the smallest sample volume per measurement coupled with exceptional ...


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Zurn Industries, LLC announces its product expansion through the acquisition of Green Turtle Technologies Ltd., Green Turtle Americas Ltd. and Filamat Composites Inc. (collectively "Green Turtle"), a leading provider of composite wastewater pretreatment solutions for commercial, institutional and industrial applications.
To read more please click the article title.
Zurn Wilkins is initiating a change across its backflow line to switch over to stainless steel ball valve handles.
To read more please click the article title.
© Copyright 2013 Zurn Industries, LLC. All rights reserved.


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- Musician's Friend Best Selection, Price & Service. Guaranteed.
Need Help? Call our Gear Heads at 800-449-9128Private Reserve Guitars 866-926-1923
Need Help? Call our Gear Heads at 800-449-9128
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A reliable 18" cast frame replacement subwoofer speaker that delivers all the low-end you need.
The COMP-4CLS is a 1" Exit Compression Driver that features a titanium diaphragm and is mounted with screws.
The B-52 Prodigy ATA Flight Case is purpose-built to protect the B-52 Prodigy All-in-One Workstation. The case...
Our product catalog varies by country due to manufacturer restrictions. If you change the Ship-To country, some or all of the items in your cart may not ship to the new destination.


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Granite-Faith Police wanted list
A man on the Granite Quarry-Faith Police Authority most wanted list has been arrested, but officials are still looking for a number of people on outstanding warrants.
The Kannapolis Police Department arrested William Joseph Foshay, 25, on Wednesday. Foshay was charged with felony possession of stolen goods, failure to appear for driving while impaired, and four warrants for probation violation. The Granite Quarry-Faith Police Department is attempting to locate the following individuals who have outstanding warrants for arrest:
• Wesley James Morton, 23, 5 feet, 10 inches tall, 170 pounds. Charge: failure to appear for driving while license revoked and felony probation violation.
• Serena Christine Dyer, 26, 5 feet, 7 inches tall, 160 pounds. Charge: driving while license revoked, failure to appear on driving while impaired, and probation violation.
• Takita Marie Pharr, 24, 5 feet, 5 inches tall, 140 pounds. Charge: failing to appear in court on a charge of aid and abet larceny, failure to return rental property and probation violation.
Anyone with information on the location of these individuals, please contact the Granite Quarry-Faith Police Department at 704-279-2952 or your local law enforcement agency.


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Prices and availability are subject to change from the time and date that you print this page.
10/26/2014 5:37:50 AM. For Customer Service, please call 800.606.6252
- Shelves: Quartersawn oak veneer over engineered wood stained midtone brown
- Frame: Steel tube powdercoated matte grey
- Wall-mounted bookshelf with four shelves
- Hardware included
- Legs have built in levelers
- Made in Taiwan
Return/Exchange Policy
The short story is that you have 90 days within receipt of your purchase to make a return on most non-furniture items. For furniture returns or exchanges, please call us within 7 days of receipt at 800.606.6252 so we can advise you on how to make your return within 90 days of receipt. Our policy is simple. If you are not satisfied with your purchase, we promise an appropriate refund, credit or exchange.


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Full Description
Starting with tough 15-ounce canvas construction, the Bushcrafter Pack features padded leather/canvas shoulder straps, an adjustable sternum strap, a removable waist belt, a unique 18" long axe sleeve, a drawstring closure for the main compartment, and a generous top flap with interior zippered map pocket that covers and stabilizes axe head when pack is in use. Three nylon webbing side compression straps with quick release buckles stabilize your load, while also making it possible to scale down or enlarge total capacity depending on season and space needs. In addition, pack includes two flapped front pockets and two specially designed folding saw (and extra blades) pockets with weep holes. Also available in Waxed Canvas. Made in USA.
Technical Specifications
Item No. S-150 Bushcrafter Pack
- Dimensions: 25H x 14.5W x 10D
- Capacity: 3,625 cubic inches + pockets
- Construction: 15 oz canvas, padded leather/canvas shoulder straps w/ sternum strap, 18" long axe sleeve, three nylon side compression straps with quick release buckles, two double front pockets (each side has one flapped pocket and one weep pocket), removable waist belt, leather reinforcements for all rivets, zippered pocket under flap
Craftsmanship and Guarantee
All of our handmade packs and bags are built to last in Duluth, Minnesota, USA. Our factory, where we have been building our products since 1911, is home to an extremely talented group of sewers, riveters, and leather craftspeople. Each piece of Duluth Pack gear is painstakingly built by hand with the attention and detail that only a true artisan can provide. We stand behind our work and are proud to offer a lifetime warranty covering all craftsmanship and hardware we use in the construction of our products. Craftsmanship includes our sewing and riveting. Hardware includes all zippers, buckles, D-rings, snaps, and any other parts utilized in the manufacturing of our bags. If at anytime during the life of your Duluth Pack product you have problems in these areas, return the product and it will be repaired free of charge. If the product cannot be repaired due to a defect in craftsmanship or faulty hardware, we will be happy to replace the item at Duluth Pack's discretion. While your Duluth Pack item is designed to provide you with many years of use, Duluth Pack is not responsible for common wear and tear or misuse of your product and is therefore not covered by our warranty. Of course, damages not covered under warranty can usually be repaired at a minimal cost. We sincerely value your patronage and will always do our absolute best to go the extra mile to ensure that you are happy with every Duluth Pack purchase.
Customer Reviews
Items 11 to 17 of 17 total
- 1
- 2
- Leather straps & waist belt would add weight and cost
- Rating
Reminds me of my BSA Yuca Back Pack I used from Philmont to National Jamboree in the 60's. Lots of places to put water bottles. Maybe add an interior zip pocket to put smaller items.
Posted on 8/4/2010 by Chief
- Bushcrafter Pack works as it should
- Rating
Well designed with the true outdoorsman in mind. Duluth Pack quality in all respects. GREAT JOB!
Posted on 7/17/2010 by Mark
- Great Pack
- Rating
Bought on last year and I have used it for winter camping as well as canoe trips into BWCA. The nylon straps does not bother me at all. Would recommend to a friend
Posted on 7/12/2010 by Bjørn
- leather is better
- Rating
This pack looks fantastic, but I will hold off on buying it until it's redesigned with leather instead of nylon.
Posted on 7/4/2010 by dinosaur
- Please replace nylon with leather
- Rating
I considered purchasing this pack too, but I agree with debiant. Replace the nylon with leather, and I'll buy it.
Posted on 4/22/2010 by Tom
- Bushcrafter Pack
- Rating
Excellent pack, had mine two months, and been everywhere with me. Only thing to make it perfect to me if the two pockets were wide enough to take a NATO waterbottle and metal mug. That owuld have been spot on!
Posted on 4/3/2010 by AJ
- I don't own this pack...
- Rating
As my Summary states I don't own this pack, but was hoping that I could help a little with a possible modification to it. The pack is beautiful with one MAJOR exception. There is nylon webbing on this pack. I think most people that purchase Duluth packs (and certainly the major reason I've considered purchasing a Duluth pack) want the timelessness and natural look and feel provided by Leather, Cotton, and metal. I would love to see this pack redesigned for next year with a leather hipbelt and compression straps. I could definitely see myself purchasing this pack with such modifications.
Posted on 3/30/2010 by debiant
Items 11 to 17 of 17 total
- 1
- 2


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The new year is a time of reflection and new beginnings. Looking back on 2012 and the high number of disasters, I decided to make a new year's resolution to increase my charitable giving with my left over holiday dollars. Here are a few ideas and resources to help you [...]
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