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In a previous post, I promised to post excerpts of work in progress. This one is for Trent, who voted for pony girl content.
This is as yet unpublished work. Please protect my long hours of hard, lonely work by not posting any part of this chapter elsewhere, although you are welcome to link to this page. Hopefully people who might otherwise not find it will come and look and maybe go to the book page and buy some of my published work. Some, like Decade of Discipline and A Teacher's Dispatch, are hard to find on Amazon because they're labeled "adult."
Here we go — hold on tight!
The Stable Girls of Maison Jolie
By Alice Liddell
Chapter One
The idea that made me the richest woman in Paris, or at least the richest woman in the Paris demimonde, came with a suddenness such as I had never before experienced . It struck towards the end of a meeting of my Board of Directeurs, which is to say a night with my lover and patron, the Marquis de Beaubourg. He was at my side, propped against the headboard with satin pillows at his back, contentedly smoking a pipe. At the time he wore nothing upon his superb body save riding boots and a long black cape. His magnificent prick was draped languidly along one muscled thigh having itself a well deserved rest.
"The stable!" I cried, so affected by this flash of inspiration that I struck the bed with my fist.
The resultant shaking of the mattress disturbed Colette, who had been fast asleep at our feet. She raised her head and blinked her big brown eyes sleepily before returning peacefully to her slumber, curling herself back around Angelique's familiar body. That little pussy cat had not stirred in the least.
The Marquis turned his head towards me and studied my face with great seriousness. "You, my darling," he said after some moments, "are the most beautiful and diabolical woman I have ever met." He smiled and allowed his eyes to travel the length of my nude body before settling one hand affectionately between my legs.
It was difficult to tell whether this was in response to what I had just said or was simply a general declaration of his affection for me. The Marquis is a perceptive and highly intelligent man, and I think the world of him, but he is understandably not at the height of his mental acuity after a long night of fucking and hashish.
"I wonder if you heard me," I pressed gently. "I have decided to use the stable for our expansion."
He frowned slightly. "Do we have a stable?"
"Yes, of course. It's part of the carriage house."
"Ah," he said, closing his hand so his middle finger was exactly atop the centre line of my still slick nether lips. I shifted my hips accommodatingly so his lovely long finger might slip right inside. He made an appreciative noise. Then continuing our conversation, he said, "I thought Cook lived out there."
"She does, and my outdoor man, too," I confirmed, unwilling to let the topic go despite his distracting ministrations. "But they live upstairs, in the quarters I had built for them last year. The area of which I now speak is on the ground floor. There is an open space big enough for two carriages, if carefully parked, and stalls for four or five horses."
He closed his eyes and seemed to consider, although perhaps his attention was drifting elsewhere: with his middle finger planted firmly inside me, his thumb was now circling my pleasure pearl.
"Do I understand that you intend to refurbish the space in order to create a few boudoirs d'amour for our working girls?"
"We've run out of space in the house. I would never ask a girl to rush her art in order to turn a room faster, but neither should I like to keep a man waiting when he's holding his prick in one hand and his wallet in the other."
"Just so," the Marquis said. His eyes were still closed. He had not ceased the delicious motion in which his thumb was engaged. It was becoming a tad difficult to keep my mind on business, but the Marquis continued the discussion unperturbed.
"Your clientele," he cautioned, "may not take kindly to paying your usual prices for being entertained in a barn."
"They shan't pay my usual prices," I said, unable now to keep a touch of triumph out of my voice, for we had come to the kernel of my plan. "They shall pay more."
That got his attention nicely. For all his inherited money, the Marquis has a nose for business and nothing arouses him quite like a profitable scheme. He opened his eyes and withdrew his hand, and turned on his side to face me. He was now miraculously alert, his elbow on the bed, his chin propped in his palm, his blue eyes sparkling with pleasure.
"More, you say? Truly? Expound, my dear."
So I laid out my plan, describing it in exquisite detail, for if there is anything at which I excel it is painting a pretty scene. I have always had an instinctive feel for what to put before a man's eyes, and how to control that image to feed his arousal. It is one of the secrets of my success.
As I spoke I kept one eye on his member, taking careful observations. I noted exactly at which point it jerked awake, as well as which specific words brought on subsequent thickening and lengthening. Nothing in its response surprised me. It reacted exactly as I thought it should, and judging from its size and state by the time I had finished, my idea was not only sound but inspired.
It was time to wake the girls. I gave them each a good nudge with my foot and told them to come up the bed and get back to work. Colette woke with an appealing little yawn and crawled towards us on all fours, and it was a pleasure to watch the lovely roll of her haunches as she did so. She settled herself, as I instructed, between the Marquis's legs. Angelique, meanwhile, wiggled up between mine, sighing contentedly as she slipped her small hands under me to cup my curves and draw my body closer to her sweet mouth.
Copyright Alice Liddell. All rights reserved. Please do not reproduce or repost but linking is fine. Thank you! I hope you enjoyed it.


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Thursday April 10th an earthquake with a magnitude of 6.2 on the Richter scale struck Managua, the capital of Nicaragua in the department of Leon. Following this earthquake, on Friday April 11th a second earthquake of a magnitude of 6.6 occurred, its epicentre located 11 kilometres southwest of the town of Nandaime, within the department of Granada. More than 1,000 aftershocks continue to rock the Pacific coast, leading the national authorities to declare a "Red Alert". The World Food Programme (WFP) is prepared to respond to this emergency.
The epicentre of the earthquake on Thursday, April 10th was located on the shores of Lake Managua affecting the capital, Managua and the department of León. The authorities of the National System for Prevention, Mitigation and Attention to Disasters (SINAPRED), the main coordinating body of public institutions for emergency response, report the death of one person, who died of a heart attack from the stress and anxiety caused by the earthquake. An estimated 260 people have been reported injured and extensive damage has been done to homes, buildings, and roads. The Government suspended classes, and evacuated families from vulnerable areas and demolished old buildings that endangered the lives of the people who inhabited them.
Nicaragua is one of Central America's most vulnerable countries to recurring natural phenomena. Forty two years ago an earthquake measuring 6.2 on the Richter scale completely destroyed the capital city of Managua, killing about 10,000 people. Given the vulnerability of the country, WFP initiatives in Nicaragua include supporting the government in preparing for and responding to emergencies, strengthening national capacities, providing technical and food assistance to affected populations, promoting approaches Human Rights Protection and Gender. Pictured, WFP participates in a simulation exercise conducted by the Government of Nicaragua in preparation for the response to an earthquake.
"This earthquake was a litmus test for national authorities. The preparedness and preventative actions produced the expected results and the government's response has been immediate and effective, "said WFP Representative, Helmut W. Rauch, who is pictured with the Director of SINAPRED, Guillermo Gonzalez at a humanitarian preparedness and response event. "Nicaragua is a highly seismic country, due to its geological location", said Rauch.
WFP is leading the United Nations Emergency Force (UNEF) in Nicaragua, composed of specialized personnel from all UN agencies that are responsible for coordinating the response to emergencies. WFP also coordinates the Logistics and Telecommunications Committee of the United Nations. WFP in Nicaragua continuously updates their knowledge base and skills to be prepared for natural disasters. Workshops are provided not only to WFP personnel but to staff members of public institutions.
"I was very scared. I thought the trees outside of my house would collapse on us, "said Helena Chavarria, WFP staff member in Nicaragua after the earthquake yesterday evening. "The earthquake was so strong that I was nearly knocked off my feet," said Marc Regnault de la Mothe, WFP Deputy Representative and Security Focal Point. "The last tremors made me dizzy, they were very strong, "said Karen Lopez from the WFP administration department after being evacuated from their third floor office. In the photo, WFP staff after being evacuated from their office due to powerful aftershocks. The Red Alert remains in Nicaragua.
The priority of SINAPRED is immediate emergency response to those affected by natural disasters, satisfying their needs and ensuring their wellbeing, safety and welfare. Through the collaboration of SINAPRED and WFP, together they prepared the Manual of Protection and Gender in Response to Emergencies and the Guide on Food Distribution in Emergencies focusing on the best practice guidelines to care for affected population. The manuals were distributed to the members of the Regional Committees, Departmental and Municipal committees dedicated to the Prevention, Mitigation and Attention to Disasters.
20 August 2015 Working for Communities in Nicaragua
19 August 2015 World Humanitarian Day from Nicaragua
7 August 2015 Schools Ready to Receive Food
3 July 2015 Emergency Simulation in Nicaragua

subset: commoncrawl


text: Thanks Jos. Would you mind logging a bug and attaching your mock-up to it? It'd be good to keep track of this. Mimi On Aug 3, 2008, at 7:36 PM, Jos Yule wrote: > Hey, i find i don't use the week view very often, and have been > puzzling out why that might be. I think it is because there is no > way to see if there are any events which don't currently show on > the screen. For example, lets say i've got 8am - 3pm showing on my > weekly view. Any events which start after 3pm are not indicated in > any way. > > A simple arrow, triangle, dot (in the colour of the items > collection) would help show that there is content which is "there" > but off-screen. > > I've included a mock up with the triangle and dot examples (Tuesday > and Wednesday). They would also have to be shown at the top of the > calendar for events which happen earlier then whatever time span is > currently being shown. > > I think this would improve the general usefulness of the week view, > allowing users to see which days have items which are not shown. > > Also, for bonus points, when the user rolls the pointer over the > triangle/dot/whatever, you could use a tool-tip to show the title/ > time of the items which are off screen. When clicked on, snap the > view to the item, and select it so that it appears in the detail/ > note view. > > Thanks for such a great product, and congrats on reaching (almost!) > 1.0!! > > jos > > ps. i know this isn't a unique idea, but i can't remember what > software i've used which had this feature... If anyone knows of > some which did this, please let me know! Its driving me crazy! :) > > > -- > Jos Yule > Digital > Hyakugei<week_view_markup.JPG>________________________________________ > _______ > chandler-users mailing list > chandler-users at osafoundation.org > http://lists.osafoundation.org/mailman/listinfo/chandler-users


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on behalf of the
before the
January 6, 2004
Chairman Manzullo and members of the Committee, my name is R. Michael Stewart Menzies, Sr. and I am pleased to have the opportunity to testify before you today on behalf of the Independent Community Bankers of America (ICBA)1 and its nearly 4,600 community bank members, to share with you our views on the Department of Housing and Urban Development's (HUD) proposed Real Estate Settlement Procedures Act (RESPA) rule. I serve as President and CEO of Easton Bank and Trust Company, a $ 100 million bank located in Easton, MD. We hold approximately $20 million of residential loans in portfolio. I also serve on the board of directors of ICBA's subsidiary, ICBA Mortgage, which facilitates banks selling mortgages into the secondary market.
ICBA would like to express its appreciation to Chairman Manzullo for calling this hearing during the congressional recess in light of HUD's transmittal of the final rule to OMB and the uncertainty over what the rule contains and how it will affect the mortgage market that has played such an important role in our economy. Mr. Chairman, we share your concerns about the effects of the rule on small business and in particular, small lenders.
Our testimony will address the rule as proposed, since parameters of the final rule transmitted to OMB are not known. On October 28, 2002, ICBA responded to the invitation to comment on the proposed rule, and submitted an extensive letter to HUD, a copy of which is attached for your reference.
ICBA strongly opposes the proposed rule because of the damage it will do to consumers, the mortgage finance system and small loan originators and small settlement service providers that participate in it. We believe the rule will create an environment where the largest originators and settlement service providers will drive out the smallest, and we are concerned about the ability of smaller banks and service providers to compete against the larger market participants. Larger market participants have a greater ability to negotiate volume discounts for services within the package than do smaller participants because of their size. The result will be less competition, less consumer choice and higher mortgage costs.
ICBA and its members place a high value on the importance of homeownership. Our current mortgage finance system has enabled a record number of Americans to realize that dream, and we fully support the administration's goal to further increase minority homeownership by 5.5 million families. It is a simple fact that the lower the costs of obtaining a mortgage, the more affordable homeownership becomes.
HUD's proposed rule has been presented as an attempt to simplify and improve the process of shopping for mortgage loans with the three main objectives being to: (1) improve the existing RESPA disclosure scheme; (2) remove regulatory barriers to enable the offering of packages of settlement services to borrowers; and (3) fundamentally change the way in which mortgage broker compensation is reported.
While the ICBA is a proponent of simplifying the mortgage loan process, and giving borrowers more choices, we have serious concerns with the proposed rule, because it will seriously undermine the mortgage finance process, and reverse the trend of overall homeownership growth. We firmly believe that should this rule be adopted as it stands, it will, at a minimum, result in borrower confusion, hidden fees, increased settlement costs, and fewer credit and settlement service options as small lenders and brokers and small settlement service providers are driven from the market because they simply will not be able to negotiate the necessary discounts from settlement service providers to compete with larger institutions -- in short, a serious disruption of the mortgage finance system.
You have asked for comments about HUD's process and procedures in developing the rule. Based on what we have seen, we fear that HUD's proposal overlooks the adverse impact of the rule on small businesses and small lenders. In its economic analysis accompanying the proposed rule, HUD simply states that it is difficult to reach a firm conclusion about the magnitude of the impact on small lenders, but acknowledges that a significant portion of cost transfers related to the Guaranteed Closing Cost Package would be to their detriment. HUD makes the unsupported assumption that these institutions are charging high prices for their services.
Bank Call Report data shows that banks with under $5 billion in assets-small institutions by size but the majority of insured depository institutions by number-hold close to $300 billion in mortgage loans in portfolio and have sold additional loans into the secondary market. While, this is a relatively small segment of the overall residential mortgage market, it represents residential mortgage loans made in communities large and small, and in urban, suburban and rural communities across the country. We find it difficult to believe that the majority of insured depository institutions are charging "high prices" for their services as HUD concludes in its analysis.
Implementation Costs
While HUD provides some estimates of cost savings it expects the proposal will bring, notably absent from HUD's economic analysis is a discussion of the cost to implement such dramatic changes to the mortgage industry that its proposed regulation would cause. Significant costs will be incurred related to the training of loan originators, and brokers, underwriters, compliance officers, information system changes, and document changes. While these would generally be one-time costs that would result should HUD issue a final rule substantially the same as its proposal, the costs would be passed to consumers over time and need to be factored into the analysis.
Costs to Package
HUD expects cost savings will be realized as companies spring up to package settlement services for resale to lenders, yet the introduction of the new packager layer will add additional costs as they will require compensation for their service, compensation that will cut into the cost savings HUD expects to benefit consumers. Also, lenders or originators that chose to use a third party vendor will need to conduct due diligence on the vender to ensure that it can truly perform its duties in providing settlement services. There will be costs associated with this process.
We continue to maintain, as we did in our comment letter to HUD, that if HUD goes forward with the final rule without significant changes, smaller loan originators and settlement service providers will not be able to compete to the detriment of the consumer. We find it odd that HUD, whose mission is to promote homeownership, support community development and increase access to affordable housing free from discrimination appears unconcerned that its proposed RESPA amendments may well decrease available credit options offered by small lenders and force out small businesses that provide settlement services in their local communities.
If HUD has indeed listened to the many concerns about its proposed RESPA amendment voiced by all sectors of the industry and thus has made significant changes to the proposal, we strongly believe that it should be published for public comment once again.
The remainder of our testimony addresses the following areas covered by the proposed rule: HUD's Good Faith Estimate (GFE) settlement cost disclosure; Guaranteed Mortgage Packages; and Mortgage Broker Compensation.
HUD's Good Faith Estimate Settlement Cost Disclosure
The proposed rule also calls for a change in the existing RESPA disclosure scheme through a new format for the Good Faith Estimate (GFE). The goal is to create a consumer friendly form providing borrowers with more useful and accurate information to assist them in the mortgage finance process. The rule proposes more precise cost estimates than what is currently required. These estimates would be grouped by category with a zero tolerance level for some items, except in the event of unforeseeable and extraordinary circumstances, and a ten percent tolerance level for others. While HUD considers this an enhancement to aid the borrower, we believe it will affect both borrower and lender by ultimately resulting in an increase to the cost of loan packages, and will negatively impact the ability of community banks to compete in this arena.
Certain costs are much easier for loan originators to estimate than others, and certain costs set by third parties are difficult for a lender to guarantee. For example, loan originators generally know, with certainty, the cost of a credit report. However, situations often arise for consumers with unusual credit histories when additional information must be verified causing the costs to unexpectedly increase. This may especially be the case with recent immigrants or minorities who do not have traditional credit histories, the very individuals the Bush administration is trying to reach, and the very individuals who reside in the communities served by our member banks. Similarly, a loan originator may order a property survey or appraisal expecting that, based on experience, it will cost a certain amount that can be guaranteed, but find that once work has begun, the property requires additional surveys or appraisals at an additional cost. Both of these are examples of costs that under the proposed rule would fall in the zero tolerance rate category, and would, therefore, have to be guaranteed by the loan originator who would also be required to absorb any and all unexpected or additional costs. Aside from the two previous examples, there are several other zero or ten percent tolerance rate items that may vary depending on the final loan amount and closing date, both of which can change at the request of the borrower, yet any resulting increase in costs will again be absorbed by the lender. This will naturally result in loan originators increasing the costs of packages to all borrowers to guard against such contingencies.
Moreover, all service providers do not charge the same amount for their services. Our community banks generally use the lowest cost provider. However, for reasons beyond the bank's control, that may not always be possible. There will be times when the preferred provider is unavailable or too busy to ensure that the requested work is completed according to the borrower's schedule. The precise cost estimates and guarantees required under the proposed rule will place banks between the proverbial rock and a hard place. They will either have to quote the highest rates and price themselves out of the competitive mortgage finance market or attempt to remain competitive while running the real risk of having to absorb those unexpected and additional costs. We believe that the firmness of the cost estimates proposed by HUD does not adequately reflect the variances that legitimately occur in the industry. Loan originators should be required to document changes to justify increases in the cost of items at settlement, but locking them into fees at the application phase can only result in increased costs.
Finally, the instructions to "Attachment A-1" of the revised forms requires loan originators to itemize services that the borrower can shop for, and estimate the cost of these services ". . .based on local market averages for the areas where the property is located." It is our view that the requirement to collect and maintain data to determine market averages is an unreasonable and burdensome expectation, particularly for small originators located in large metropolitan areas. We believe a better approach would be to require that the originator insert the estimated cost of the service as if they were providing it.
As you can see, the proposed enhancement to the GFE will impact both borrowers and originators in a manner that will be contrary to the rule's objectives.
Guaranteed Mortgage Packages
The proposed rule seeks to facilitate mortgage shopping and promote competition by removing the regulatory barriers to allow a safe harbor under RESPA for Guaranteed Mortgage Package transactions. A Guaranteed Mortgage Package (GMP) consists of a mortgage loan with a guaranteed interest rate and a package of settlement services required by the lender to close the mortgage. The settlement services would include, but are not limited to, all application, origination and underwriting services, the appraisal, pest inspection, flood review, title services, title insurance and any other lender required services except hazard insurance, per diem interest and escrow deposits.
Unlike the GFE, a GMP would not itemize the specific services to be provided. HUD believes that the GMP will make it easier for borrowers to shop for mortgages through simpler more transparent transactions, and will further reduce settlement costs as a result of market forces, borrower shopping and competition. It is our position that the GMP will take away the borrower's opportunity to shop for those items included in the package. Further, because all services are packaged, there would be no assurance to the borrower as to what will and will not be provided. This will, in effect, eliminate comparison shopping, one of the essential elements of the process that this rule seeks to promote.
In addition to the package of settlement services, a GMP must include a guaranteed interest rate that is tied to an observable index or other appropriate means that would assure borrowers that if the lender increased the rate, it was not driven by the lender's desire to increase its origination profits. This proposed change is simply unreasonable in that it does not reflect the realities of the mortgage industry, and how interest rates are set and how quickly they can change in the course of a day. The rule also assumes that lenders and brokers control the interest rates they offer which, in most situations, is simply not the case. Interest rates offered by community banks are often set by the secondary market organizations or lenders that purchase the loans. HUD's proposal that brokers or lenders guarantee rates without any type of financial commitment from the consumer while the consumer is free to shop for the best package, unreasonably exposes the brokers and lenders to interest rate risk. The cost of this risk will either be borne by the banks or the borrowers. To protect itself against interest rate risk the institution will incur additional expenses that can be recouped only if the consumer returns for the loan, or consumers may bear the cost of higher rates imposed by the institution.
Further, the requirement that loan originators must post and constantly update mortgage rates on their website would be very costly and highly burdensome for community banks. First, not all community banks have websites, and secondly of those that do, few offer the ability to apply for mortgage loans. ICBA recently completed its 2003 Annual Community Bank Technology Survey.2 Seventy seven percent of community banks responding maintain an Internet site, and of that group, seventy five percent offer some banking services through the site. However, most services offered by community banks through internet websites relate to account information with only about twenty two percent of respondents indicating that they offer their customers the ability to apply for loans through their website. Therefore, it appears that the larger lenders are in a better position than many community banks to comply with the proposed interest rate posting requirement.
Loan originators should not be forced to make unnecessary and expensive expenditures for technology. Requiring lenders to post an interest rate index is impractical, and may not serve as a reliable tool for consumers. Some loan originators offer only a handful of loan products, while others may have dozens of products and rates. Moreover, interest rates can change within a day during volatile periods. The effect of compliance on smaller financial institutions would be enormous, and would force many to exit the market altogether. The significant resources that would be needed to maintain current data, could be better allocated to originating and processing mortgage loans and marketing to minority and low- and moderate-income families and first time homebuyers. Finally, to allow packagers to offer the GMP, the rule provides a safe harbor from RESPA Section 8. Therefore, the very provisions that were developed to protect consumers from special fee arrangements between settlement service providers and loan originators do not apply. Proponents of this safe harbor provision believe that it is necessary in order to offer the GMP and lower mortgage costs. However, nothing in the proposed rule indicates that the cost savings would be passed along to the borrower. ICBA views this as a complete policy reversal, that exposes the mortgage finance system to the risk that we will return to the environment of abusive practices that RESPA Section 8 was originally designed to prohibit.
ICBA has repeatedly raised concerns about the effect the HUD proposal will have on the ability of smaller banks and service providers to compete against the larger market participants. We agree with HUD's premise that consumers benefit when they have choices. However, it is clear that the proposed rule will eliminate consumer choice in that the smaller, and lower volume generating lenders, brokers and settlement service providers will be driven from the market because they simply will not be able to negotiate the necessary discounts from settlement service providers to compete with the larger institutions in offering GMPs. We strongly believe that is it wrong for a government agency to regulate institutions out of an industry simply because of their size. This is clearly a rule that favors the largest institutions in the mortgage industry.
Community banks are also concerned that the GFE and GMP requirements will limit their ability to provide early credit counseling, and to offer alternative products that may better suit the borrower's needs. Should HUD feel compelled to move forward with the GMP, it should only do so as a test while making no changes to the current GFE. Currently, several institutions are marketing versions of a guaranteed package. We see this as the best way to proceed - allow the market to continue its evolution without regulatory mandates to package.
Mortgage Broker Compensation
Finally, the proposed rule calls for a change in the manner in which lender payments to brokers are recorded and reported to consumers. Specifically, the rule would require that for loans originated by mortgage brokers, any payments from a lender based on a borrower's transaction, would be reported on the Good Faith Estimate (GFE), and the HUD-1/1A Settlement Statement as a lender payment to the borrower, including payments based on an above par interest rate on the loan (including yield spread premiums). Similarly, any borrower payments to reduce the interest rate (discount points) in brokered loans must equal the discount points paid to the lender, and be reported as a borrower payment to the lender. HUD believes that this change will resolve disputes regarding broker compensation, and improve the process of obtaining a home mortgage.
ICBA fully supports disclosure of broker compensation in mortgage loan transactions. However, it is our view that this proposed change would neither resolve the current broker compensation issues, nor accomplish the goal of improving the process. Reporting broker compensation as proposed will not result in a simpler more transparent process, but will instead result in more confusion for the borrower. We believe that retention of the existing disclosure requirements would prove far less confusing.
In conclusion, the ICBA has grave concerns that HUD's proposed changes to RESPA will seriously undermine the mortgage finance process, and reverse the trend of overall homeownership growth. While HUD believes this rule will simplify and improve the process of shopping for mortgage loans, ICBA feels strongly that this will not be the case. This proposal will dramatically alter the manner in which mortgages are offered, making the process more confusing, impacting consumer choice in the selection of individual settlement services, and decreasing consumer options for mortgage products. It will also inevitably create an environment where the largest originators and settlement service providers will drive out the smallest.
If this rule is adopted, it will result in a serious disruption of the mortgage finance process, and increase, not decrease as HUD predicts, the cost of homeownership. ICBA opposes the proposed rule because of the damage it will do to consumers, the mortgage finance system, and the small loan originators and settlement service providers that participate in it. If HUD has significantly changed its proposal, the public should have another opportunity to comment on it before it is published as a final rule because of the dramatic affect it will have on the mortgage industry and how consumers seek mortgages. We urge Congress to address our concerns about the rule during its 60-day review period.
Thank you for the opportunity to submit testimony today. ICBA stands ready to work with the Committee on this important issue.
1 ICBA is the nation's leading voice for community banks and the only national trade association dedicated exclusively to protecting the interests of the community banking industry. ICBA has 4,600 members with branches in 17,000 locations nationwide. For more information, visit www.icba.org.
2 The survey was sent to over 9,000 community banks with over an eleven percent response rate. Those banks responding had an average asset size of $143.5 million.
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DetailsWith modern, minimalist bathroom designs becoming so popular today, this has brought to the forefront smooth, clean lines in the bathroom. This is a bath filler outlet combined with the overflow and push button waste. It requires an additional blending valve, shower valve or hot and cold taps to provide the water control for the bath fill. With this push button waste the plug is operated by simply pushing down to close and pushing again to open. If you are using your bath for bathing and showering we have a selection of thermostatic shower valves with built in diverters, these allow you to control this bath filler and your showering needs all from one single shower valve for the ultimate in ease of use and minimal design. A selection of manual shower valves are also available, please see our showers section for more details. This bath fill and push button bath waste is designed for use with most baths. Guaranteed for 10 years
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text: [ Man Who Drove Car Into Raritan River Dies By Associated Press March 13, 2012 An elderly New Jersey man who accidentally drove his car into the Raritan River this week has died from his injuries. Read More|Comment Category: TS net Tags: car accident, Dominic Ciurelo, Raritan River Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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Talent and creativity abound in the Art of Quilting feature in Love of Quilting.
39" x 30", 2007
Texan Ronnie Lewison swears that she must be the only person who loves to create quilts but doesn�t enjoy sewing. The former art director and needlepoint and embroidery designer creates images with Photoshop on her computer and then interprets them in fabric with raw edge appliqu�. The freeform pieces are fused to a muslin base, and then free-motion machine quilted. Ronnie was inspired to make this quilt by the watercolor paintings of Phyllis Kapp.
Designer: Ronnie Lewison | Plano, Texas


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About Allured
Allured Business Media has been a global information leader in the cosmetic, spa and salon, and fragrance and flavor industries for more than 90 years. Allured continues to set information standards in the industries it serves.
It is the mission of Allured Business Media to deliver timely, business-critical information and to offer creative and information-rich methods to market business solutions.
Allured Business Media is the publisher of Cosmetics & Toiletries, GCI, Perfumer & Flavorist and Skin Inc. magazines. It is also the producer of the Face & Body Spa Conference & Expo, Flavorcon, World Perfumery Congress and Cosmetics & Toiletries Summit, as well as additional conferences, books and directories.
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Allured Business Media
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Media Kit Downloads
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To ensure PDFs print correcty, please download the file to your computer and then use Adobe Reader to open and print the document.
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On this new question, I went to do an edit and noticed that two of my tags were missing in the tag box. When I went into the box and moved the cursor, the tags had just been left-shifted and showed up when the cursor moved over them all. (Using Firefox).
Picture unedited:
Picture in edit:


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From the skies to the sea, all sorts of military might and cooperation are on display in and around Hawaii's waters.
Click here to watch Ashley Moser's story.
The Rim of the Pacific Exercises, involving 22 nations, are officially underway as of Monday.
Located in Pearl Harbor, 47 ships, six submariners, and more than 200 aircraft, are participating in the world's largest maritime exercises.
Two countries have joined the exercises, Brunei and China, this year.
"I for one am pleased that China is here," said Adm. Harry Harris, commander of the U.S. Pacific Fleet. "I think it speaks a lot to China, the U.S, and all the 20 other countries, that we are all here together in to do this exercise."
The new countries bring a new level of international media coverage, along with new questions about the relationship between China and the other nations.
"Enhance communications and deepen corporations between China and all participating nations," China Adm. Zhao Xiaogang said.
About 25,000 personnel will call the Pacific Ocean home for the next month.
"Participation of China and the improvement of the military power like a big nation, like China will contribute to the stability peace and safety of the region," Japan Adm. Yasuki Nakahata said.
Pacific Fleet leaders said the training will help strengthen relationships between countries in preparing for future disasters.
"These events operate together when those crisis arise that we might find ourselves in close coordination," said Adm. Harry Harris, commander of the U.S. Pacific Fleet.
Along with the ships, two hospital boats will be out at sea, including The Mercy from San Diego and the Peace Ark from China, to allow a mass casualty drill.
"By simply attending RIMPAC, every nation here is making the bold statement that we must improve multinational cooperation despite disagreements," Harris said.
The exercises will run until Aug. 1, and will include a closing ceremony on the USS Ronald Reagan.


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Anchor Lodge Backpackers
448 Wharf Road, Coromandel, New Zealand
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Property Information:
Anchor Lodges backpacker facilities offers dorm or private rooms with a full kitchen and lounge bar to relax and socialise in. Make the most of Anchor Lodges facilities; take a dip in our outdoor heated swimming pool and spa or have a traditional Kiwi BBQ in our dedicated outdoor area.
Also available 24 hours internet access, free mountain bike hire, free DVDs, tea and coffee supplied.
Also available 24 hours internet access, free mountain bike hire, free DVDs, tea and coffee supplied.
Latest Review
Most peaceful hostel I've ever stayed in. They got few nice woofing staffs who are super friendly. also they got great location, free legit bike, huge parking lot. free hot spa and great hostel owners. But I wish they had OVEN. Other than that, i love this place and i will choose here again for sureRead More
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- Anonymous, Taiwan, Male, 18-24
- Bicycle Hire
- Bicycle Parking
- Breakfast Not Included
- Card Phones
- Common Room
- Free Parking
- Luggage Storage
- Swimming Pool
- Wheelchair Accessible
Cancellation PolicyThis property has a 1 day cancellation policy.
Failure to cancel within this time will result in a cancellation charge equal to the first night of your stay, unless otherwise stated below (see 'Things to Note' information).


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solo guitar rythm @ 120bmp. I was to lazy to edit out the silence at the beginning :P, sorry for that...
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Bath Rugby flanker Francois Louw is prepared to wait for highs
Posted: August 31, 2012|
Success must not be expected overnight as Bath Rugby look to reclaim their past glories in 2012-13.
That is the opinion of flanker Francois Louw, who was one of few players to come out with any credit following a disappointing previous campaign at The Rec.
The obvious goal is to improve on last term's eighth-place Aviva Premiership finish and earn a return to the Heineken Cup, which Bath were knocked out of at the pool stage last term.
But South African Louw says fans must be patient if they want Bath to be at the forefront of competitions both at home and on the continent under the stewardship of Gary Gold.
"We finished really low down on the log last year, below the standard of what Bath Rugby are," said Louw, who was recalled to the South Africa squad yesterday for the clashes down under against Australia and New Zealand on September 8 and 15 respectively.
"We performed poorly in the Heineken Cup and aren't even in that at all this season, which is definitely not where we want to be.
"We want to be competitors in the Heineken Cup and top competitors in the Premiership. We want to be one of the top clubs in Europe – that's our ultimate goal but there's a process for going about that.
"Things have changed this year and new systems have been put in place to try to help us achieve it but that's not to say this will be the year we are able to do it.
"It's all a process but that's what the directive is and that's what we are striving for."
For the time being, Europe's biggest prize will have to wait for Bath, who find themselves in the continent's lower-tier competition – the Amlin Cup.
Its reputation may not have such esteem as the Heineken Cup but Louw says Bath will give the trophy the full respect it deserves as they look to forget previous failings.
"The whole season was pretty horrible but that was last year and we've put it completely behind us," he said. "There isn't much we can take from it other than that it wasn't good enough.
"We are in the Amlin now and we are going to take that very seriously – as seriously as we do the Premiership because that's how we will get back to the top.
"We've got a new set-up with new ideas. Gary's whole ethos towards rugby is something different to what we've ever had before and the guys have really bought into that."
After an impressive first campaign with Bath, which also saw him handed the captain's armband in Stuart Hooper's absence, Louw is relishing the demands of Northern Hemisphere rugby.
"I was out of my comfort zone last year but it was very exciting having a completely new approach," he said.
"There is always a comparison between the hemispheres. They are different but that's not to say either one is any better. I enjoy it here and think the style of play suits me a little better.
"I'm looking forward to getting a second season in the UK up and running now. I feel really comfortable here and at this club."


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In 1986, a new toy store is born in Athens! It's called Jumbo and it's made of joy, fun & carelessness!
Driven by its love for toys and need for creativity, it soon gains people's acknowledgement!
Today, 29 years later, thanks to our distribution in toys sector and playing, as well as our competitive prices, we remain No1 in children's and adults' hearts!
A vast variety of toys for all ages and tastes, of well known brands as well as imported, baby care items, stationary, seasonal products, decoration and various home objects for "big kids", are only a few of the treasures that you will find in Jumbo.
Jumbo stores have become the biggest toy store chain in our country and one of the biggest retailers with 72 stores: 53 in Greece, 5 in Cyprus, 8 in Bulgaria, 6 in Romania , the on line store e-Jumbo and approximately 3.613 employees.
In Jumbo, staying faithful to our vision, we are continuously standing by your side, aiming at making you smile, especially now that we all need it more than ever!


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Finished in January, may I present my February Lady!
Out of the 976 bathroom pictures I attempted, this was the one I liked best. It also, thankfully, was taken after I realized that I should clean my mirror.
Pattern: February Lady Sweater (rav link), by Pamela Wynne. It's free! And it's been knit by thousands of other knitters!
Yarn: Debbie Bliss Donegal Luxury Tweed. 9 balls for the 44″ size. Felt mildly like string while knitting, but blocked like a friggen dream. SO SOFT.
Needles: Size US 5 to get the correct gauge.
With Pam's blessing (and adhering to her policies for using her free pattern) I am teaching a February Lady Sweater class at Common Threads Yarn Shop in February. When I delivered my finished sweater to be displayed in the store, no fewer than four shoppers tried it on. Although it was a tad big on some of them, the sweater flattered everyone! It's a funny thing when people of varying heights and body types can all look good in the same style of sweater. Cool and weird.
**Aside: I've updated my class schedule! Check it out if you're a local knitter!**
So yeah. This is only the second sweater I've ever knit for myself and I can't even wear it yet! I'll get it back once the class is over. Speaking of sweaters I've knit myself, I'm currently wearing the other one. I've had it on since last night and I didn't take it off when I went to sleep. Don't know what came over me except I'm sick and tired of the very, very cold weather we've had this winter in North Carolina. It'll feel practically balmy later today when we reach the expected high of 45 degrees F.
Like the buttons? Me, too. They're wood. And they're dimply. This pic is also my first in a series of 52 self-portraits that I plan to do this year. And in a shocking (to me) twist, I've already completed week 2. Thought for sure I would tire of it already. Go me!
In other news, check out these End of May Mittens. The red and white combo definitely makes me slap my forehead – why didn't I think of that!?!? And these! They make me so happy. Happy, happy, happy.


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|Hobart - HM3-166 - Worm Shaft Spring Transmission Unit for Model D300/Parts for Hobart Mixers
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New York, NY. December 15th, 1980. The city lights were now beginning to illuminate the dangerous streets of the big apple. The neighborhood's thieves soon came out to look for their victims. The mothers dragged their kids inside in order to keep them from the danger that was known to everyone.
In a building where numerous apartments served as home of the people who suffered from lack of wealth, fights went on behind the wooden doors. Inside of apartment number fourteen, the loud voices of two women were heard from the hallways.
"What do you mean ya ain't staying for Christmas?" - The older woman said, trying to diminish her anger as she finished cooking a soup.
"Mother, I already told you; I'm leaving!" - The younger girl screamed as she walked towards the door, carrying her three bags.
"You're making a big mistake, Sharelle. You're just a damn kid, for God's sake!" - The woman yelled angrily, throwing the kitchen spoon to the floor.
"I'm eighteen, mother! I know what I'm doing!"
"He's just gonna leave ya, just like your father left me!"
"Do not compare me to you! Anthony loves me!" - The girl said as she placed her hand on the door knob, preparing to leave.
"Oh, he's white. He don't love you, he's just using you."
"Mother, I won't let you judge him!"
"They're all the same! Whites and Blacks don't mix!"
"You're so old-fashioned! You're uneducated, and you're stupid! Now, I'm leaving!" - The girl sighed - "Good-bye mother."
Alisha, the mother, stared as her daughter while following her outside to the hallway. Sharelle made her way to the stairs. In an attempt to escape her aggravated mother, her shoe got stuck between the wheels of the bags. Her eyes opened wide as she approached the floor, trying to hold on to anything that was near. Alisha watched her daughter fall down the stairs.
That night, Sharelle was taken to the hospital. In the waiting room, Anthony Allen waited alone. He was worried to hear the worst. About forty minutes passed until the doctor appeared. His steps were firm and eternal to Anthony, who was impatient to hear what the doctor had to say. Finally, he heard what he was afraid of; Sherelle had lost the baby.
Nobody but the couple knew that they were expecting a baby, but now their dream of being parents had shattered.
"The good news," - The doctor added - "is that your wife is fine."
"Thank you, doctor."
Sharelle was released from the hospital and taken home by Anthony.For the rest of the night, the couple stayed awake in silence, struggling in agony and deception. Her mother called at one in the morning, apologizing to her daughter for not going to the hospital with them. The apology was accepted, but no further conversation occurred ever since.
It wasn't until three years later that Sharelle decided to call her mother, two weeks before Christmas. She told Alisha that she had married Anthony and they had just had their baby boy. Sharelle and Anthony were going to visit Alisha for Christmas, and they were bringing their son with them. Although Alisha still did not approve her daughter's marriage, she was excited about meeting her grandson.
At 1:37 p.m. Alisha's phone rang. It was from the police and they warned Alisha that she'd prepare to hear the news. There had been an accident at Farragut Street, two blocks away from the grocery store. One of the buses that crashed and caused the accident rolled over and landed on its side on top of ten pedestrians who were crossing the street, among them were Anthony and Sherelle Allen.
Alisha hung up, wandered to the living room and stared at the beautiful baby. Her sight blurred out as her eyes began to water. She caressed the boy as her screams and cries fused with the baby's innocent giggles.
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FRIDAY: Mostly cloudy and cooler. High: 67. Winds: North 10-15 mph.
FRIDAY NIGHT: Mostly clear and chilly. Low: 45. Winds: Northeast 5-10.
No matter your dental care needs, our caring, compassionate staff is here to not only give you a beautiful, healthy smile, but also to make your experience relaxing and enjoyable. Yes, you really can relax during your next trip to the dentist!
We offer a full range of dental care services to help you either maintain an already healthy smile or to finally get that beautiful smile you can't wait to show off. From routine maintenance and check-ups, to custom dentures, dental implants, crowns, veneers and Fastbraces, which can straighten a crooked smile in just a few short months,we can help your smile.
Plus, if you're like many of our patients, are scared of the dentist and have put off critical dental care because of this fear, we can help! Through sedation dentistry(we've heard many patients call it a miracle!) you can reverse years of neglect or have multiple procedures performed in just one visit, all while you're relaxed and completely comfortable.
To learn more about how Advanced Dental Care can help you get a beautiful, healthy smile you're proud to show off, call our office at (217) 546-3333 and let us show you how we can make you smile!
Advanced Dental Care Blog
Implant Dentistry for the Preservation of Teeth
Implant Dentistry for the Preservation of Teeth
Improving a Smile with Implant Dentistry
Implant dentistry is commonly referred to as restorative dentistry or cosmetic dentistry. One of the most common procedures is dental implants. Dental Implants restore teeth that are missing or have been damaged beyond repair. The implants operate as replacement teeth and are usually made out of ceramic material with a titanium root to ensure strength and durability for the patient. Dental implants are designed to match perfect and with natural teeth and they are also personalized for each patient so that they fit comfortably.
Tooth restoration is performed by Dr. VanderMolen for patients who have damaged and broken teeth. Dental implants help improve the condition of the teeth and gums because if teeth are missing, the gums are exposed, thus resulting in a greater chance of infection and gum disease. After the implants are placed, both bone and gum are preserved. Patients can be proud of their new smile.
Dr. VanderMolen will consult with each patient who is interested in implant dentistry. He will examine the teeth and the jawbone to get an idea of what is exactly going on inside the mouth of the patient and to create a customized treatment plan. Dental implants are an improvement when compared to dentures, which are often considered uncomfortable and may even slip out of the mouth. The dental implants feel completely natural and they are a permanent solution, which means that they likely will not need to be replaced.
If you are considering implant dentistry, call (217)546-3333 for an appointment or attend one of our No Cost/No Obligation Dental Implant Seminars.The staff at Advanced Dental Care will have you loving your new smile in no time!
Click here for more information on the services available at Advanced Dental Care.
Fastbraces and Oral Hygiene
Fastbraces: Good Oral Hygiene Is SO Important DuringYour Treatment
Fastbraces and Oral Hygiene
Practicing good oral hygiene is important for everyone, but becomes even more crucial while wearing braces. If you are wearing Fastbraces,maintaining a healthy oral cavity should be a top priority. Follow your dentist's instructions carefully to ensure you not only have a straight smile,but a healthy one as well.
The brackets and wires of Fastbraces create new spaces in which food can become trapped. It is important to clean your Fastbraces properly after each meal. When food is left between the braces and the teeth, it can permanently stain your enamel. Eventually, left behind food particles can lead to tooth decay. Spotting can also result from poor oral hygiene. When particles are left behind, they can sometimes react with the metal in the braces, and the natural bacteria in your mouth, causing a bleach-like effect that can leave permanent spots on the teeth. Another potential problem that can result from improper oral hygiene is the decalcification of the teeth.
Brushing and flossing are a crucial component of oral hygiene, and the results are well worth the effort. Special floss for braces can be purchased at the local pharmacy or provided to you by your dentist. Brushing after each meal and flossing daily is ideal, but at least twice each day is the minimum recommendation. If a toothbrush is not available after a meal, rinsing out your mouth with water will help eliminate some of the food particles until the teeth can be properly brushed.
There are certain foods that should be avoided during the treatment period. Sodas and most sweets promote tooth decay, and sticky or chewy foods can be difficult to clean. Most hard foods that could break wires should also be avoided, such as nuts. While wearing braces, slicing up hard fruits and vegetables, such as carrots or apples, before eating will ease the impact on the teeth and help avoid breaking wires.
One benefit of wearing Fastbraces is that they have a shorter treatment time compared to traditional braces. This can reduce the likelihood of tooth decay, staining and spotting by lessening the amount of time food and plaque can build up between the hardware.
For effective, comfortable and safe treatment, choose Fastbraces. Call (217) 546-3333 for an appointment with Dr.VanderMolen at Advanced Dental Care, certified Fastbraces provider.
Click here for more information on all the services available at Advanced Dental Care.
Bad Breath: Health Problems and Prevention
Bad Breath: Health Problems and Prevention
What are the health problems associated with bad breath and how can it be prevented?
Bad breath is an oral problem that often cannot be noticed by the patient himself. The patient comes to realize about his bad breath when his family members or friends comment about it. Bad breath can be due to many causes and it can also act as an indicator or symptom of other medical conditions. Regular dental checkups can help you avoid the associated oral health problems.
Some health problems associated with bad breath:
-Gum disease- Improper brushing leads inadequate elimination of food particles from between the teeth. These food particles allow the build-up of plaque on the tooth surface and the gum lining. Persistent neglect in maintenance of oral hygiene causes irritation of gums and subsequent inflammation. This can be perceived as bad breath and bad taste.
-Decayed teeth- Decayed teeth with cavities serve as a storehouse for food remnants and are not accessible by bristles of the toothbrush for removal. The food particles undergo putrefaction within the cavity and become the source of bad breath.
-Fungal infections- There are chances of fungal infection in the mouth if there is persistent bad breath.
-Dry mouth- also called xerostomia. Our saliva flushes out the dead cells in our mouth. If the saliva produced is decreased, the flushing action gets lowered. Hence, the dead cells undergo disintegration generating bad breath. Dry mouth is a sign for a number of health problems like salivary gland disorders. It can be found in people with habit of mouth-breathing and is a common side effect of certain medications.
-Respiratory tract infections- Individuals with infections like sinusitis, bronchitis, pneumonia or post-nasal drip often have bad breath.
-Metabolic disorders- There are few metabolic disorders like gastro esophageal reflux (GER) that cause bad breath due to regurgitation (reverse flow of acid within the stomach). Problems related to kidney and liver may also be the cause of foul odor.
Ways of prevention of bad breath
Bad breath should not be taken lightly as it is associated with so many health problems. For preventive measures or treatment of halitosis (bad breath), the underlying cause has to be determined. If any health problem is the causative factor, you should be referred to a general physician for the rest of the treatment plan. If it is related to your oral health, your dentist will be the best person to deal with it.
Whatever may the case be, you can follow some simple rules for good Oral Hygiene to keep bad breath at bay.
1. Brushing For good oral hygiene it is essential to brush your teeth twice daily, preferably with fluoridated toothpaste.Scrape your tongue with a scraper to remove all the food particles trapped on the surface of the tongue.
2. Flossing- Floss daily to remove the food debris stuck in between the teeth and also areas that are inaccessible for the bristles of the toothbrush.
3. Mouthwash- Use of chlorhexidine mouthwash can be of great help for those with bad breath as the antibacterial action washes off the bacteria and there is a feeling of freshness in your breath.
4. Diet control- Paying attention to small details of your diet will help you in the long run. Avoid onion and garlic. Try chewing peppermint for fresh breath.
If you are upset with your bad breath, call (217) 546-3333 for a free consultation with Dr. VanderMolen. His team at Advanced Dental Care will guide you to get the healthy mouth and gums you have been waiting for!
Dental Implants Offer a Superior Alternative
Dental Implants Offer a Superior Alternative
If you are wearing dentures at the moment and you would really like a change, dental implants may be right for you. Dr. VanderMolen at Advanced Dental Care can offer you this innovative, permanent alternative.
You don't have to be one of the thousands of people who are living with dentures which do not fit well, and therefore cause continual discomfort. Dentures have served a purpose for many decades for those people who have had to endure tooth loss with its accompanying problems of eating and speaking. If you are looking for more natural looking and feeling teeth, there is now an option where permanent dental implants can be installed to replace traditional dentures.
What is a Dental Implant?
A dental implant is a replacement tooth root that is fixed into the jaw bone and acts as a foundation to support dental prosthetics. At the time that theimplants are installed, Dr. VanderMolen will drill small holes into the jawbone, and put into position small, threaded rods made from titanium. When he has completed this process, he will tighten the dental implants so that they will not move. The dental implants will be positioned where teeth are missing so that they can act as a foundation for a dental crown or bridge which can be firmly fixed into place.
There are great benefits when using dental implants as a substitute for dentures. The most important is that they form a firm foundation for affixing permanent replacement teeth. Once this has been added, then eating and speaking occur with far more confidence. Dental Implants, firmly rooted in the jaw, look and act as natural teeth.
Less Chance of Allergic Reactions with Titanium Implants
Materials used in dentures can sometimes cause allergic reactions in their recipients,but titanium dental implants do not cause the same sorts of responses, even though they are embedded firmly into the jawbone. This means that more people can use dental implants to replace those teeth that have been lost. Over time their true worth will be revealed as you will smile, eat and speak as naturally as if you had all your original teeth.
If you have lost teeth and would like to know more about how dental implant procedure can benefit you, make an appointment by calling Dr VanderMolen at Advanced Dental Care of Springfield today at (217) 546-3333.
Take advantage of our FREE Dental Implant Seminars held regularly in Springfield. For more information CLICK HERE.
The Fastbraces Difference
The Fastbraces Difference
There are other quick systems out there. What makes Fastbraces better?
Fastbraces are orthodontic braces with cutting edge technology. This unique treatment produces results in much less time than traditional braces. Apart from being fast, they are safe for your teeth.
How Fastbraces are better than other quick systems:
-Lifetime satisfaction commitment
Fastbraces are the only braces that provide the patient a Lifetime Satisfaction Commitment, by which you will be ensured that you have your teeth in a straightened form throughout your life.
- Strong and unique triangular bracket
The brackets used in Fastbraces are unique due to their triangular shape that moves both the root and the tooth at the same time.These brackets have been found to be stronger than other braces systems.
- Retention period
During the retention period, you will be asked to wear the retainers only at the night time in the first year and then for a period of 20 minutes daily. Many other quick systems need a permanent fixed retainer or longer wear times per day.
- Movement of crown and root of the tooth together
Fastbraces carry out the treatment rapidly due to application of a special principle wherein the crown and the root of the teeth are moved together, instead of in stages. Many of the other quick systems rely only on the movement of the crown without affecting the position of the root.In such cases, there is always a higher possibility for relapse. Traditional braces carry out the movement of the crown first and then the roots are moved into the new desired positions. That is why most traditional braces treatments take no less than 2 years to complete.
- More comfortable for the patient
According to the experiences shared by various patients, Fastbraces are more comfortable than other quick systems. The archwire is made out of nickel-titanium alloy and that contributes to the comfort of the patient. The specialty of this wire is that it is activated by the heat of the oral cavity.There are no undue stresses on the teeth.
- Less Expensive
Fastbraces are a less expensive alternative to traditional braces. The short treatment time mean fewer visits as well. Click here for a comparison.
For effective, comfortable and safe treatment, choose Fastbraces. Call (217) 546-3333 for an appointment with Dr.VanderMolen at Advanced Dental Care, certified Fastbraces provider.
Full Arch Replacement
Dental Implants: Full Arch Replacement
Full arch replacement is a lifetime dental solution
Dentistry has become so advanced in the 21st century that losing teeth is not as disabling as it used to be. There is no need to have the mouth measured fora full set of dentures as there are options available that can transform your mouth and fill it with a full set of permanently fixed teeth. This is referred to as full arch tooth replacement and offers the additional advantage of keeping the shape of the face intact as well as allowing full use of the teeth.
A fixed bridge is secured permanently into the mouth on dental implants. This allows the person to
-Eat as if the teeth were real
-Have a life long stable solution to teeth loss
-Keep the shape of their face intact
-Maintain bone density
-Have natural looking teeth.
There are a number of stages involved for installing a full arch tooth replacement and each plan and procedure involved is specific to the individuals situation. It is therefore necessary to be examined by a dentist so that an individual plan for treatment can be organized.
The first stage involves installing dental implants, which replace the tooth roots that have been removed. Five dental implants are put in place and temporary teeth are attached which allow the patient to eat normally while the permanent fixed bridge is being prepared for installation.
The second stage proceeds when the dental implants have healed completely and fused with the jawbone. This then allows the fixed bridge to be installed securely. This type of full jaw replacement normally requires 2-3 visits to the dentist to have the fixed bridge attached.
Once the fixed bridge has been installed and secured by the dental implants, the new teeth will look almost the same as normal teeth.
There are numerous advantages over the traditional removable dentures, particularly when it comes to premature aging when bone is lost around the face and lips. Additionally, the comfort level of the full arch tooth replacement is far superior to removable dentures.
If you have an interest in discussing this life changing procedure, contact Advanced Dental Care and Dr. VanderMolen.
Call (217) 546-3333 today. Click here for more information on the services available from Dr. VanderMolen.
Sedation Dentistry - Steps
What Steps do I Need to Take to Prepare for My Sedation Dentistry Visit?
Many people feel uneasy at the thought of visiting a dentist. Most of them have an idea that the procedures done by dentists are painful and also feel a bit embarrassed to show the dentist their oral condition. But with the advancement of medical technology, dental surgeons now use very easy methods to sedate their patients before performing dentistry on them. One question many patients will have is "What steps do I need to take to prepare for my sedation dentistry visit?"
Firstly you should discuss with your dentist what type of sedation you will be given. There are many forms of sedation dentistry including inhalation sedation and oral sedation. It is important to understand that sedation is not only about putting you to sleep, but is only a part of the entire process. Methods used for sedation dentistry only make you feel drowsy and relaxed You should talk to your dentist about any concerns and fears you have during consultation.
You should to prepare yourself mentally as well as physically before you walk in for sedation. You should relax yourself and have a good nights sleep.
There is nothing to fear in sedation dentistry. You will not feel any pain during the procedure. The important thing to do is to select the right sedation dentist.You should see what experience the dentist has in this type of dentistry and approximately how many procedures he has performed up to now. You should not be afraid to ask your sedation dentist questions about the areas you have doubts about and how you should prepare for the procedure.
Dr.VanderMolen is the sedation dentist you can trust for all your dental needs. If you are anxious or fearful of the dentist, sedation dentistry could be the best option for you. For more information about this and all our other services, contact our office at (217) 546-3333. We look forward to working for you!
Fastbraces: Safe, Quick, and Comfortable
Fastbraces: Safe, Quick, and Comfortable
Fastbraces short treatment sounds good, but will I still have a mouth full of metal?
Fastbraces technology evolves around a unique concept in the field of orthodontics. Fastbraces have been named so because they are able to correct misaligned teeth from about a year to sometimes as little as 3 months. Traditional braces carry out tooth movement in two phases. The first phase is meant for the movement of the crown of the teeth alone. In the second phase, the roots of the teeth acquire the new desired positions. It takes almost two years for the completion of the whole process. Fastbraces, on the other hand, can do the same work in a shorter span because the crown and the root of the tooth move as a unit to the new desired position.
Most of you may be apprehensive about having the mouth full of metal throughout the span of treatment. Fastbraces are extremely comfortable when compared to the traditional braces. The bracket and the wire used in the treatment procedure are quite different from the ones used in conventional braces.
The brackets used are triangular in shape with the slot at a raised level and a distinctive elbow shape. The triangular shape has its own significance as it increases the distance between two brackets. The increase in distance leads to enhancement in flexibility. The wire used in Fastbraces is made out of nickel-titanium alloy and has the unique property of shape memory.It is activated from the heat of the oral cavity and a single wire is enough to bring about the tooth movement
The new version of Fastbraces, Fastbraces Clear, consists of ceramic braces and is meant for those who give prime importance to aesthetics. While using Fastbraces Clear, there is no metal on display.
When you have so many options to straighten your teeth, why should you settle for conventional? Call (217) 546-3333 for an appointment with Dr. VanderMolen, Springfield's first and only certified Fastbraces provider. Get Fastbraces: safe, quick and comfortable!
Missing Teeth, Missing Nutrition
Missing Teeth, Missing Nutrition
A normal, healthy adult mouth has a complete set of 32 teeth.Each type of tooth has its own great role to play in the health and nutrition of an individual. If teeth are missing congenitally or due to any other reason like dental decay or trauma, the overall health can be influenced detrimentally without the proper preventative care.
Our teeth break down the food that we eat into smaller pieces that are easy to digest. If we have missing teeth, our food may not be chewed adequately which can lead to digestion issues. The nutrients within the food cannot be extracted completely if it undergoes incomplete or improper digestion. Besides, undigested foods form an excellent source of nutrition for bacteria inhabiting colon causing problems. All these symptoms can, in turn, take their toll on the overall health of a person.
There can be a profound psychological impact of missing teeth on an individual. One may have to avoid foods that used to be his/her favorites. This leads to depression and frustration and the person starts experiencing a reduced quality of life. Harder-to-eat foods like nuts, some type of meats and tough fruits are the ones that are mostly avoided. When one avoids such healthy foods, nutrition can be adversely affected.
Missing teeth should never be dealt with lightly. Dental implants are one of the best solutions for teeth replacement. They look and function like natural teeth. An important fact about dental implants is that they act as an independent unit. They do not derive support from neighboring natural teeth.You can chew almost anything and relish all your favorites without hesitation.They are the type of tooth replacements with highest chewing efficiency especially compared to removable dentures. Dental implants will help you eat healthy and stay healthy!
Why should you suffer due to missing teeth? Just call Advanced Dental Care at (217) 546-3333 for an appointment with Dr. VanderMolen and get your missing teeth replaced with dental implants! For more information, consider attending one of our Free Dental Implant Seminars!
Sedation Dentistry – after
Sedation Dentistry: After the Sedation Has Worn Off
What can I expect after the sedation has worn off?
Oral conscious sedation is a form of Sedation Dentistry that aims to support the patient in their dental care process. This is particularly important for those patients who suffer from stress and anxiety prior to a dentists appointment. Oral conscious sedation (OCS) relieves anxiety, and you can then face dental appointments with greater confidence.
These medications are perfectly safe and prescribed to reduce anxiety and assist patients to relax. Often, patients are so relaxed that they fall into a casual sleep throughout the procedure. However,while the dental procedure is being completed, the patient is very carefully monitored for an anxiety-free outcome.
How Will I Feel After The Procedure?
Sedation Dentistry offers a relaxing and pain-free experience. You will be sedated at the level you need to be unaware of the treatment. After your procedure you will awake refreshed and with little to no memory of the procedure. Dr. VanderMolen offers a comfortable and friendly environment, so you will feel safe and secure while you get the dental care you need.
If you have questions about Sedation Dentistry, do not hesitate, call Dr. VanderMolen at(217) 546-3333 today, to contact our office and make an appointment for a discussion about the benefits. Dr. VanderMolen is the experienced Sedation Dentist in Springfield you need to take care of all your needs. Click here for more information on all the services available at Advanced Dental Care.
Smilelift technology: How can I benefit?
How Can I Benefit from SmileLift Technology?
A youthful smile is the key to an attractive personality. As age progresses, our teeth wear down due to regular tooth-to-tooth contact while chewing or swallowing. This process results in the development of shorter clinical crowns which do not support the lips or cheeks fully, giving you an aged look. There can be an uneven smile line because of the crooked or worn teeth. Through Smilelift technology, the teeth are reshaped in such a way that the signs of ageing get masked and you get a radiant and youthful face. Dental veneers and dental crowns and custom dentures are the most popular techniques used for Smilelift.
The benefits of Smilelift technology include:
- The procedure is painless and non-invasive unlike cosmetic or plastic surgery which can be quite expensive.
- Your new youthful smile through smile lift technology boosts up your confidence level.
- Your stained teeth or discolored teeth can be completely concealed.
- The reduced lengths of the teeth due to wearing are corrected. The increased length supports the lower lip.
- The upper parts of the teeth are thickened to eliminate the wrinkles around your mouth. The upper lip gets a fuller look.
- The gaps in between the teeth are rectified so that there are no black spaces when you smile.
Smilelift technology can also help those who have a gummy smile. Gummy smile can be due to high upper lip or if the gums cover the teeth in such a way that the teeth appear shorter in length, thereby, making the smile unsightly. Those who feel shy to smile due to extra display of gums can surely find smile lift technology extremely beneficial. Dental lasers are often used to address such problems.
If you desire a new youthful and vibrant smile through Smilelift technology, call (217) 546-3333 to schedule an appointment with Dr. VanderMolen. His team at Advanced Dental Care will help you achieve your dream smile!
Click here for more information on all the services available from Advanced Dental Care of Springfield, including Cosmetic dentistry procedures.
Implant Dentistry: Preserving Natural Dentition
Dental implants have become one of the most comfortable and effective means of teeth replacement. The reason for the wide-spread use of dental implants in restorative dentistry is the excellent set of aesthetic and functional properties of dental implants. Among the numerous benefits of dental implants, the most important is the preservation of the natural dentition.
After the loss of a tooth, the surrounding bone undergoes resorption (bone loss) extensively due to lack of support. A dental implant placed in the same socket holds the bone and prevents undue loss.
Loss of a tooth creates an imbalance in the dental occlusion. The tooth present opposite to the missing tooth becomes functionally compromised. There can be a drifting of the rest of the teeth causing gaps between them and the tight contacts open up. Food particles and debris can get trapped in these gaps and become difficult to remove. Eventually, the teeth undergo decay and might even progress to the stage of loss of vitality if treatment is not done in the right time. Proper oral hygiene in such circumstances becomes difficult, thus increasing the chances of periodontal disease.
If crowns and bridges are utilized as an option for teeth replacement, the integrity of neighboring teeth can be affected adversely. This is mainly due to the fact that they derive their support from the adjacent teeth. The periodontal ligament and the bone of the adjacent teeth have to bear extra stresses which in due course of time weaken them and, at times, even lead to their loss. Dental implants are inserted directly into the bone so they do not require support from the neighboring teeth. They function independently and naturally similar to every other tooth in the dentition.
Are you interested in learning more about dental implants? Attend one of our monthly implant seminars. For details and dates, please contact us at (217) 546-3333
Dr. VanderMolen has the answers you need. Call and make an appointment at Advanced Dental Care today, (217-546-3333).
Why Should You Select Advanced Dental Care?
At Advanced Dental Care, you are important to us as a person - not just as a patient. Knowing each individual well helps us develop a personal, customized course of treatment that's right for you.
You can rest assured that your concerns will be listened to and every one of your questions answered. We will always explain the treatments we recommend for you,why we recommend them, any possible alternatives, the positives and negatives of each, the amount of time involved to complete the treatment process, and of course the fees involved..
We also make sure will feel completely relaxed and at home. You'll know exactly what is going on at all times so there are no surprises. Once your treatment begins, you will find our warm and caring staff and the gentle caring manner of the doctor will keep you comfortable and relaxed at every visit.
The following are just a few of the services we offer:
Advanced Dental Care Videos
- Welcome to Advanced Dental Care!
- Custom Dentures
- Snoring & Sleep Apnea Solutions
- Dentistry From the Heart - 2013
- Dentistry From the Heart - 2012
- Dentistry From the Heart - 2010
- Illinois Central- Dentistry From the Heart
- Sedation Dentistry
- Interview about Sedation Dentistry-June
- Fast Braces
- Fast Braces- Before & After
- Interview about Fast Braces - July
- Interview about Fast Braces - August
- Dental Implants
- Dental Implants Seminar
- Interview about Dental Implants-September
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- Northern New York Newspapers
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NICHOLVILLE - Slic Network Solutions, Nicholville, has brought high-definition local TV stations to its customers for the first time and doubled its broadband capacity as it prepares to expand.
Slic until recently was providing its customers with local stations from Watertown through an over-the-air antenna erected at its headquarters in Nicholville. The reception was spotty, according to company sales engineer Jeffrey M. Yette.
We werent getting a good enough TV signal, he said.
To fix this, the company established a fiber-optic connection bringing high-definition local stations from Watertown to Nicholville.
The connection was made with help from an unidentified technology partner, Mr. Yette said.
It was really the only way that we could get a reliable, high-quality signal, Mr. Yette said.
The networks CBS, Fox, PBS, NBC and The CW are now available.
It costs several thousand dollars a month to maintain the connection, according to Mr. Yette, and with only 800 television customers, the company does not plan to see a return on investment soon, although it is hoped the improvements will bring in new customers.
Were constantly trying to keep up with our current customers requests and our future customers demands, he said.
Slic officials also noticed that Internet speeds were slowing down in some regions, and the company doubled its bandwidth capacity to compensate.
The company has received grants to expand its Internet service to Bellmont, Lyon Mountain, Long Lake and Schroon Lake. It will likely add even more bandwidth soon to prepare for the greater number of customers.
We monitor our bandwidth pretty regularly, and any time we get to 75 or 80 percent capacity we know its time to order more, he said.
Slic has hired Clarkson University graduate and Hammond native Jeffrey Truskowski to focus on commercial sales to build the number of customers in St. Lawrence and Franklin counties.
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Detroit Pistons v Orlando Magic
Andrew Nicholson of the Orlando Magic rises for a dunk against Kyle... News PhotoAmway Center,Andrew Nicholson - Basketball Player,Basketball - NBA Pro,Basketball - Sport,Detroit Pistons,Florida - US State,Full Length,Gulf Coast States,Kyle Singler,Orlando - Florida,Orlando Magic,Slam Dunk,Sport,Taking a Shot - Sport,USA,VerticalPhotographer Fernando MedinaCollection: National Basketball Association 2012 NBAEORLANDO, FL - NOVEMBER 21: Andrew Nicholson #44 of the Orlando Magic rises for a dunk against Kyle Singler #25 of the Detroit Pistons on November 21, 2012 at Amway Center in Orlando, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. Mandatory Copyright Notice: Copyright 2012 NBAE (Photo by Fernando Medina/NBAE via Getty Images)


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Summertime Coffee Cakes
Jan D'Atri | Jul 8, 2013, 6 a.m.
Children are finding their way into the kitchen like never before, creating a first of its kind kids' cooking craze. Summer is a fantastic time to head into the kitchen with them to bake up something simple and delicious!
A great place to start is with an easy coffee cake or two that may very well launch a kid's love affair with baking. The first recipe I'm sharing is a Quickie Coffee Cake that basically gets mixed together in a bowl and poured into a cake pan. It's as simple and delicious as it gets.
The second recipe is a Yeast Bread Coffee Cake that I make in disposable paper baking rounds. (Available at stores like Sur La Table, ABC Cake Decorating Supplies in Phoenix and Sweet Basil Gourmetware and Cooking School in Scottsdale.) My young nieces have so much fun with this one because they get to poke all kinds of holes in the top of the coffee cakes so the butter and sugar pools, creating scrumptious hiding places of sugary, buttery yumminess. These you can make fresh and freeze some for later.
Kids will have a blast making these treats with you. But if the kid's aren't around, grab a mixing bowl and whisk away!
Quickie Coffee Cake
1 stick (1/2 cup) melted butter
1 egg
1/2 cup milk
1/2 cup sugar
1 cup flour
1 tablespoon baking powder
1/2 teaspoon salt
1/4 cup sugar
1 teaspoon cinnamon
In a large mixing bowl, beat together melted butter, egg and milk until well blended. Add in sugar, flour, baking powder and salt, mixing well. Pour into greased 9 by 9-inch baking pan. Combine 1/4 cup sugar and cinnamon and sprinkle over mixture. Bake at 375 degrees for 15-20 minutes or until toothpick comes up clean.
Yeast Bread Coffee Cake (Makes five cakes)
2 packages dry yeast
1/4 cup warm water
1 teaspoon sugar
2 cups milk
1/4 cup sugar
5-6 cups flour
1 teaspoon salt
2 eggs
1 stick (1/2 cup) melted butter (to be divided between 5 cakes)
3/4 cup sugar (to be divided between 5 cakes)
In a small bowl, dissolve yeast in warm water and teaspoon of sugar.
Meanwhile, scald milk. In a large bowl, pour scalded milk over 1/4 cup sugar to dissolve. When yeast has doubled and milk has cooled to lukewarm, add yeast to milk and sugar mixture. Stir in 2 cups of flour, mixing well. Place in a warm spot, cover and let rise for 30 minutes. (You can set the bowl in a pan of hot water for faster rising.) When doubled in size, add salt, two eggs, (beat in one at a time) and 3-4 cups of flour, mixing well. (Dough should be somewhat sticky.) Cover and again let rise for 30 minutes. Place dough on a floured surface and cut into five parts. With fingers, pat and stretch into greased coffee cake pans (8-inch rounds or squares.)
Let rise in pans for 30 minutes. Make little pokes and indentations on top of each cake so butter can pool. Pour 3 tablespoons melted butter over each cake and sprinkle with 3 tablespoons of sugar. Bake at 400 degrees for 15-20 minutes or until lightly browned on top.
Check out www.jandatri.com for great recipes, stories and cool places we're visiting! Come back often!
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text: YouTube Yarmouth Man Pleads Not Guilty to Store Crash By TSM Staff August 27, 2013 An Army veteran seriously wounded while serving in Afghanistan and Iraq has pleaded not guilty to ramming his pickup truck through the front of a Dennis convenience store and will undergo an evaluation to see whether he's eligible for a veteran's diversionary program. Read More|Comment Category: Southcoast News Tags: cape cod, store crash, yarmouth Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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EXCLUSIVE TO NET-A-PORTER.COM. From street-style snaps to the front row, the bomber jacket has cemented its status as the season's must-have coverup. DKNY's stretch-twill version features cool silver leather sleeves. Wear it to add a sports-luxe edge to every outfit.
Black stretch-twillWhite stretch-jersey collar, silver leather sleeves, welt pockets, ribbed-knit hemZip fastening through front66% triacetate, 34% polyester; collar: 96% polyester, 4% elastane; sleeves: 100% leather (Lamb)Spot clean
Product code: 403591 - Need help? Contact us


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Item #: 2-T90-15A
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Just a note to let you know that we have received our new hot tub cover on 11/5/08. The delivery company (GLS) was kind enough to bring it around to the back of the house and left it on the...read more


text: New video shows Japanese speech-jamming gun in action Technology 05 March 12 by Geeta Dayal Two Japanese researchers recently introduced a prototype for a device they call a SpeechJammer that can literally "jam" someone's voice -- effectively stopping them from talking. Now they've released a video of the device in action."We have to establish and obey rules for proper turn-taking," write Kazutaka Kurihara and Koji Tsukada in their article on the SpeechJammer (PDF). "However, some people tend to lengthen their turns or deliberately disrupt other people when it is their turn… rather than achieve more fruitful discussions."The researchers released the video after their paper went viral Thursday, to the authors' apparent surprise. "Do you know why our project is suddenly becoming hot now?" asked Kurihara, a research scientist at the National Institute of Advanced Industrial Science and Technology in Tsukuba, in an e-mail exchange with Wired.com. (Kurihara's partner Tsukada is an assistant professor at Ochanomizu University in Tokyo.)The design of the SpeechJammer is deceptively simple. It consists of a direction-sensitive microphone and a direction-sensitive speaker, a motherboard, a distance sensor and some relatively straightforward code. The concept is simple, too -- it operates on the well-studied principle of delayed auditory feedback. By playing someone's voice back to them, at a slight delay (around 200 milliseconds), you can jam a person's speech. Sonic devices have popped up in pop culture in the past. In sci-fi author J.G. Ballard's short story "The Sound-Sweep," published in 1960, a vacuum cleaner called a "sonovac" sweeps up the debris of old sounds. The wily German composer Karlheinz Stockhausen had plans for a "sound swallower," which would cancel unwanted sounds in the environment using the acoustic principle of destructive interference. And in 1984 German film Decoder, special yellow cassette tapes play "anti-Muzak" that destroys the lulling tones of Muzak, stimulating diners at a fast-food restaurant to throw up en masse and start rioting.But instead of sci-fi, the Japanese researchers behind the SpeechJammer looked to medical devices used to help people with speech problems. Delayed auditory feedback, or DAF, devices have been used to help stutterers for decades. If a stutterer hears his own voice at a slight delay, stuttering often improves. But if a non-stutterer uses a DAF device designed to help stutterers, he can start stuttering -- and the effect is more pronounced if the delay is longer, up to a certain point."We utilised DAF to develop a device that can jam remote physically unimpaired people's speech whether they want it or not," write the researchers. "[The] device possesses one characteristic that is different from the usual medical DAF device; namely, the microphone and speaker are located distant from the target."Being at a distance from the target means it's possible to aim the device at people who are several feet away -- sort of like a TV B-Gone, but for people. Bothered by what someone at a meeting is saying? Point the SpeechJammer at him. Can't stand your nattering in-laws? Time for the SpeechJammer. In the wrong hands -- criminals, for instance, or repressive governments -- the device could have potentially sinister applications. For now, it remains a prototype.Source: Wired.com Edited by Dan Smith Comments Rubbish idea.People will abuse this. Danny Carter Mar 7th 2012 The video seems interesting, but I do not think it is a good idea because it is rude to interupt someone's speech, especially in class. However, I like the library one. Jiaying Fu Mar 15th 2012 Best idea ever, kill all cell phone conversations which are all rude when someone is right in front of you anyway. Cheaper than Jamming frequencies as well, though that works too. Freaking Awesome Jun 11th 2012 Reply to a comment Name Email Comment Submit » Latest on wired.co.uk