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TEHRAN, Iran - Responding to allegations by the U.S. that the Islamic Republic had violated a UN resolution by testing a medium-range ballistic missile, Iran fired back on Monday, threatening to boost its missile program further.
Slamming the country's recent ballistic missile test, the U.S. Secretary of State Mike Pompeo claimed that the test was conducted in violation of a United Nations resolution.
Alleging that Iran's medium-range ballistic missile had the capability of carrying multiple warheads, the top American diplomat called on the country to "cease these activities."
Pompeo claimed that the missile tested by Tehran "had a range that allows it to strike parts of Europe and anywhere in the Middle East."
He warned, "As we have been warning for some time, Iran's missile testing and missile proliferation is growing. We are accumulating risk of escalation in the region if we fail to restore deterrence. We condemn these activities, and call upon Iran to cease immediately all activities related to ballistic missiles designed to be capable of delivering nuclear weapons."
Pompeo further stated, "This test violates UN Security Council resolution 2231 that bans Iran from undertaking 'any activity related to ballistic missiles designed to be capable of delivering nuclear weapons, including launches using such ballistic missile technology...'"
However, a U.S. Defense official, who was familiar with the initial data from the launch pointed out that the missile launch did not appear to determine any capabilities that the U.S. was not aware of.
The U.S. Strategic Command reportedly tracked the Iranian missile test using a satellite network that traces ballistic missile launches.
The officials quoted in reports also said that the missile test did not pose a direct threat and doesn't constitute a violation of the UN measure.
Further, experts immediately noted that Resolution 2231 cited by Pompeo was adopted by the UNSC and endorsed the implementation of the Joint Comprehensive Plan of Action (JCPOA) or the 2015 Iran nuclear deal.
They also noted that the UNSC resolution does not ban Iran from undertaking any activity related to ballistic missiles.
The language quoted in the resolution calls on Iran "not to undertake any activity related to ballistic missiles," but does not forbid Tehran from testing missiles - which means that its test was not in violation of the UN resolution.
However, the U.S. Defense Secretary James Mattis too echoed Pompeo's statement and said, "The threat from Iran is multifaceted."
Mattis said, "Right now the strategic level of threat from Iran is less worldwide than Korea's, but it is certainly significant regionally and it could grow beyond that if it's not dealt with."
Further, the U.S. National Security Adviser John Bolton tweeted, "Iran just test-fired a... ballistic missile capable of reaching Israel and Europe. This provocative behaviour cannot be tolerated."
'Boosting our defences'
Responding to the U.S. Secretary of State, Bahram Qassemi, a spokesperson for Iran's Foreign Ministry rejected Pompeo's claim that the missile test contravenes the UN Security Council resolution.
In a statement posted on the ministry's website, Qassemi said, "Iran's missile program is defensive in nature. There is no Security Council resolution prohibiting the missile program and missile tests by Iran."
Qassemi directly addressed Pompeo in his statement and said, "The interesting and of course farcical point here is that you are referring to a resolution that you have not only violated by unilaterally and illegally withdrawing from the JCPOA, but also you urge others to breach it, and even threaten to punish or slap sanctions on them if they implement the agreement."
Iran has come under intense economic pressure this year, after the U.S. President Donald Trump withdrew the country out of the Iran nuclear deal in May this year.
Subsequently, the U.S. reinstated all the intense sanctions that Tehran had received relief from since 2015, when the deal was signed.
Trita Parsi, President of the National Iranian American Council explained that the UN Security Council Resolution "calls on" rather than "forbids" Iran from testing its missiles.
He said, "We had a functioning deal and you may not have agreed with all the contents of it but it actually contained this conflict. Trump came in, ripped it up and now we are seeing more missile tests, we're seeing escalation and we are seeing a drift towards war."
On Monday, a top Iranian military spokesman threatened that the country would continue developing and testing ballistic missiles.
In a statement, Brigadier-General Abolfazl Shekarchi, a spokesman for Iran's armed forces denied that his country had violated the 2015 Iran Nuclear Deal and warned, "Missile tests are carried out for defence and the country's deterrence and we will continue this. We will continue to both develop and test missiles. This is outside the framework of nuclear negotiations and part of our national security, for which we will not ask any country's permission."


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Collinol Organic Bamboo Lotion 200 mL(6.76 Oz)
Bamboo Lotion 200 ml (6.76oz) - New Organic Cleaning and Care for your leathers! Collonil Organic is a newly developed leather care line containing natural ingredients such as bamboo extract. Organic Bamboo Lotion cleans, cares and moisturizes your leathers with natural bamboo extract. Great for leather, suede and textile combinations. Collonil Organic is safe for the environment, safe for your leathers and safe for you.
Suitable for leather, suede, nubuck and combination textile materials. Removes dirt and prevents material from drying out and losing moisture. No Solvent or propellants. 90% natural ingredents.
Unique because suitable for both leather and suede.
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"It was quick, easy, and will hopefully replace my mephisto laces which I always seem to break at airport security."
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subset: commoncrawl


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Former Police Chief Brian Mitchell was arrested Thursday on a charge of official misconduct.
Former Crestview Police Chief Brian Mitchell was arrested Thursday on a charge of official misconduct.
He was taken into custody in Okaloosa County and released on $5,000 bond.
Read the probable cause affidavit. >>
The arrest stemmed from an investigation into Mitchell�s 2007 hiring of former Maj. Joseph Floyd, who is accused of committing numerous crimes while serving as commander of the Police Department�s Street Crimes Unit.
�Mitchell, while chief of police, either falsified or caused to be falsified various documents related to the hiring of Joseph E. Floyd,� according to a news release from the state attorney�s office.
A probable cause affidavit states Mitchell hired Floyd knowing that he was under investigation by another Florida law enforcement agency and instructed his staff �not to do a background investigation or even to talk to Floyd about his employment application.�
Mitchell could not be reached for comment Thursday.
Mitchell and Floyd were close friends and worked together in Havana, where Mitchell was police chief for eight years before he was hired by Crestview in 2006. Floyd was employed in Havana from 2002 to 2006.
Floyd left Havana to work for the Sarasota County Sheriff�s Office. Not long after his arrival, county officials there began investigating his educational credentials, the probable cause affidavit says.
�Records show Floyd obtained (his degree) from a diploma mill in the Virgin Islands that was not accredited� in Florida, according to the probable cause affidavit.
Floyd, who already had been fired from the Bay County Sheriff�s Office, quit in Sarasota County while the investigation was underway, the probable cause affidavit says.
Mitchell hired him soon after as a lieutenant and quickly promoted him to major.
Crestview police employment background forms examined by the state attorney�s office indicated Mitchell checked off personal references on Floyd�s application and falsified a reference from a human resources manager in Sarasota County.
�The Sarasota County Sheriff�s Office employee testified � she was never contacted by anyone with the Crestview Police Department,� the probable cause affidavit says.
Mitchell also signed or had signed documents which dishonestly stated Floyd held a bachelor�s degree, according to the affidavit.
He also claimed Floyd had not left another law enforcement agency while under investigation, the affidavit says.
Floyd�s indictment states that he ran roughshod over fellow officers and civilians. He is accused of inflicting physical and emotional harassment, including sexual harassment.
Floyd also is accused of lying on his job application, misusing city resources and falsifying or altering official documents.
Crestview Mayor David Cadle suspended Floyd and Mitchell shortly before Floyd�s arrest and eventually fired both men.
Cadle, who has direct oversight over the Police Department, has said hiring procedures have been examined in the wake of Floyd�s hiring.
A grand jury presentment made public in May 2012 lambasted Mitchell�s handling of Floyd. Mitchell �failed to perform his duty and withheld information about substantial instances of misconduct, and even criminal activity,� the report said.
�Before becoming a law enforcement officer, Maj. Floyd had multiple arrests, including arrests for battery, disorderly conduct and resisting a law enforcement officer,� the presentment noted.
The grand jury�s report added that Floyd had been employed by four agencies in eight years and at all but one was �terminated, pressured to resign, or left while under investigation for various acts of misconduct and criminal activity.�
Eddins said the charges against Mitchell have come so long after Floyd�s arrest because his office ran into some trouble compiling the records needed to verify allegations that he had falsified documents.
�It was a situation where all of the records were not provided immediately,� he said. �It took awhile to make sure we had all the records we needed, and after we did we went back and interviewed several witnesses.�
Contact Daily News Staff Writer Tom McLaughlin at 850-315-4435 or firstname.lastname@example.com. Follow him on Twitter @TomMnwfdn.


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Bronimac necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 76 diseños de 22 diseñadores freelance.
Girls on Fire
We are paid female firefighters in Australia who have started a business called Girls on Fire which will be an information resource and service provider for paid and volunteer female firefighters throughout Australia and indirectly, the world. We need a logo for the business that will be used on our GIRLS on FIRE calendar which is currently being produced for release early November. We represent women who love what they do in the Brigade and are proud of our bodies, fitness, strength, and character. We aim to encourage more women into the Brigade and empower current members with experiences, opportunities and information. In our lives outside of Fire Stations we embrace our gender spectrum and celebrate our femininity and sexuality.
Girls on Fire will evolve in time with more products and services. For now our primary product is the GIRLS on FIRE calendar. For this our primary target market is males aged between 18-55, our secondary market is females between 18-55! We will have a strong focus on the emergency services fraternity.
Our desired audience appreciates strong, athletic and sexy women working in a traditionally male environment and appreciates the bodies and characters of the firefighters in the calendar. The audience will also be all other women working in emergency services and indirectly women working in other traditionally male careers.
Logo that captures "Girls on Fire" - suitable for Calendar and other merchandising and information projects, clothing.
- attractive and impacting that reflects us as sassy but strong women
- lettering and image that represents strength and feminine qualities simultaneously
- like the idea of image or outline of woman/head with hair that implies flames (like the redhead matches woman), hair that implies feminine
- possible to include firefighter tool eg silver axe
- font should be clear and strong
- image can be caricature but not too cartoon-like
- have attached some "taster" pics from our calendar to hopefully capture the spirit of our business.
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


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denise888 brauchte ein neues Anderes Design und hat einen Wettbewerb auf 99designs gestartet.
Aus 7 Designs von 1 Designern wurde eine Gewinner gewählt.
The Gen Team - Vision Values and Education
We are a company that fun, dynamic company that harnesses the creative and innovative talents of your schools' community to create a whole school approach to building a learning organisation. We work at the cutting edge of innovative ideas and implementation strategies. Our aim is to ignite the passion and the power of possibility thinking that makes a difference to education principles and practices within schools. Redefining the purpose of school by creating a partnership approach to learning.
Our target market are school principals and head of school departments.
this is an entirely new concept of shared responsibility of education of student's within a school. the concept of a partnership approach between teachers, parents, students and staff.
1. create a pictorial learning learning map for a whole school approach to the vision, values and education, a values based schools program.
we require an information brochure that is fun, dynamic, powerful and persuasive to a schools' principal.
2. a one page flyer that can be used as a pdf to send in an email that will inspire curiousity of our program
you will be free to be creative in design.
attached files: the vision, values and education flyer is for a one pager.
infor booklet - need a booklet of information of the program and the one page flyer to reflect a summary of the information booklet
the ru mad 8 keys pdf is an example of something that i like
the google site has been created for the project


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- Layanan konsultan
This FREE 1-hr discovery assessment will determine whether Dynamics 365 Business Central is a good fit for your project-based organization. We will provide ideas and strategies on Business Central.
Our industry-leading solution architects will perform discovery with your management team and help you evaluate whether Dynamics 365 meets the Project Accounting needs of your project-based organization. Some of the items discussed will include your needs for managing:
In the workshop offering, JourneyTEAM will provide:


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Based on the best-selling books by Marc Brown, "Arthur" is a popular animated series about a young aardvark, his family and friends. In each episode, Arthur and his gang guide us through stories that deal with real "kid issues" -- timeless difficulties and joys that all kids experience.
There are no upcoming air times for this episode.
Funding for Arthur is provided in part by:


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At convention, Elizabeth Warren aims to allay doubt, revive fervor
Massachusetts Democrats will gather in Springfield at a state party convention Saturday, with US Senate candidate Elizabeth Warren seeking to recapture the fervent enthusiasm that marked the early days of her campaign, and lock up the endorsement that would free her of a party primary.
With much at stake in a race that could be critical to control of the US Senate , a solid majority of the more than 3,000 delegates are expected to give Warren the party's official backing in her bid to unseat Republican incumbent Scott Brown.
But the convention will also test whether she can marshal a super-majority that would clear the Democratic primary field of her only opponent, a little-known North Shore immigration lawyer, Marisa DeFranco. A candidate needs 15 percent of the delegates to qualify for the party's Sept.6 ballot.
Warren also hopes to use the celebratory atmosphere of Saturday's event, and her much-anticipated speech to the delegates, to reinvigorate a campaign that has been drained of its energy lately, dogged by the heated controversy over her assertions of Native American heritage. Her aides say her speech will be a direct assault on Brown's record on issues such as student loans, jobs creation legislation, his ties to Wall Street, and his votes on environmental issues.
"The convention is a natural opportunity to move into the next phase of the campaign, which is to focus on the issues that people of Massachusetts have told Elizabeth are important and over which she and Brown differ,'' said Doug Rubin, Warren's senior campaign consultant.
As of Friday night, it was not clear whether Warren's vote tally would be enough to avoid what some party leaders say would be a major political setback in a race that is such a high priority for national Democrats, namely a primary battle that would divert resources and attention away from defeating Brown.
Much will depend on the often chaotic dynamics of the convention floor, including heavy-handed politicking and unpredictable behavior by some delegates.The key will be the 300 or more delegates who are coming to the convention hall with no clear commitments. If DeFranco can woo enough of them, she has a chance to win a spot on the ballot.
"If [DeFranco] were to give a fiery, passionate speech, that can move some delegates who believe in giving ballot access even if the candidate has no chance of wining,'' said Paul Pezzella, a long-time Democratic political organizer and member of the party's state committee who is backing Warren. "There is a certain charm in the purity of irrelevance, and there is always a bloc of those sort of delegates. They lead with their hearts, not with their heads.''
DeFranco will be up against some formidable figures in the state party, including Michael S. Dukakis, former governor, who rarely gets involved in intraparty politics but said he will be working the floor trying to persuade delegates that they need to rally behind Warren. Dukakis also headlined a send-off rally for Warren as she left South Station in Boston bound for Springfield by train Friday afternoon.
"The speeches may well have some effect, but I think a strong face-to-face presence on the floor talking to the folks who are not committed will also make a difference,'' said Dukakis.
Joseph Ricca, who has run numerous convention floor operations, said DeFranco's best hope lies in the unpredictability of delegates, or what he calls "spontaneous combustion'' that can happen when delegates hear a speech or are drawn by face-to-face meetings with a candidate and suddenly change their minds. Not even the best political organizations can prepare for that.
"There is a mindset by some people that go to these conventions that ballot access should not be denied to a credible candidate,'' said Ricca, a Warren supporter. "The question, of course, is what is a credible candidate.''
One of those delegates, Jean Palmer, a librarian from Lincoln, disputes the notion DeFranco can't win the primary or the general election, despite the fact she has a vastly underfunded campaign and has made little headway in gaining voter visibility over the last several months.
"A lot of people out here are disillusioned with the establishment and Marisa is going up against the establishment,'' Palmer said.
Janet Beyer, a Concord delegate, said she is going to the convention undecided, but is drawn to the argument that the party should avoid a primary fight.
"I am going to decide on the floor,'' she said. But she also expressed concern that the Native American heritage controversy demonstrates that Warren could use some political seasoning.
A primary, Beyer said, would make Warren "better able to cope with hostile questions before she is thrown to the wolves,'' Beyer said.
The convention comes as Warren struggles to quell the political and media uproar over her assertions of Native American heritage in a legal directory and during her tenure as a law professor at the University of Pennsylvania and Harvard Law School. After weeks of muddled statements and apparent contradictions, Warren said Wednesday night that she had personally reported herself as a Native American to the schools.
A new Boston Globe poll shows that a large majority of voters said the issue would have no impact on their decision about which candidate to support. Still, Brown and the Republicans have shown no signs of letting up.
On Friday, the state GOP released a new video, dubbed "Deceitful,'' that reviews the Native American controversy and asks delegates, "Is this really who you want representing you?''
A day ahead of the convention, Warren fought to redirect the conversation.
The whistle-stop tour from Boston to Springfield, and the upbeat visuals that accompanied it - Warren in red, smiling with her supporters, banners waving - was designed to shift the focus from the drumbeat of controversy, toward the soaring rhetoric that helped propel her into the national spotlight when she launched her Senate bid last fall.
But as Warren stepped off the train in Springfield, it was clear the Native American issue has not been put to rest.
Reporters bombarded her with the latest round of questions about why she has failed to give consistent answers and whether she would address the topic on Saturday.
Once again, Warren was on the defense.
"I have made clear where I stand,'' she said. "I am very proud of my family. I didn't receive any benefits, and what I am going to talk about tomorrow is how it is we are going to win this race because that's what really matters.''
Globe correspondent Alejandra Matos contributed to this report. Frank Phillips can be reached at email@example.com.


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Last Friday I spend the afternoon at the Camarillo airport near Los Angeles, where the fine folks of the Commemorative Airforce (CAF) were preparing for their yearly airshow.
The CAF is a non-profit organisation, dedicated to restoring, preserving and showing historical aircraft all over the US and Canada. Originally known as the Confederate Airforce, the CAF has several "wings" with the main South Californian one being based at Camarillo.
As I wasn't able to attend the show during the weekend, I did the next best thing and flew a single-engine DiamondStar DA40 into Camarillo the day before. Photography wise it turned out to be a great, as unlike during the air shows days itself, there were no restrictions on where one could shoot from.
Pre-airshow days come with a great atmosphere, which I remember from my days helping to organise the airshow at my home airport Moorsele in Belgium.
There were a fair amount of rare birds at Camarillo, such as the one and only flying P-51A Mustang flown in from Chino, CA.
this P-63A King Cobra that flew in from the Palm Springs Air Museum,
and an original Mitsubishi A6M3 Zero based at Camarillo. I especially like the contrast between the American "Budweiser" advert and the Japanese aircraft. Let's all be friends now!
It wasn't all warbirds however, with a fair amount of GA and Experimental aircraft like this Rutan Long-EZ ex altitude record holder. And yes, as an ex-owner of the Rutan aircraft, the Canard designs are still very close to my heart!
All images were shot with the Fujfilm X-T1, with either the 55-200 or the 10-24 Fujinon lens.
More photography at Camarillo can be found here.


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I have been debating if I should put up a edited version of the 2 hour DARKEST HOUR podcast show that Corey and Shawn of SLIPKNOT came on but the more I listened to it, the more I knew that pretty much everything they said was gold. Here you will find the complete, unedited, bloopers included, and very informative show. …Read More »
Home | Tag Archives: Living Breathing FIlms


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JOB TITLE: Revenue Management Cash Control Specialist I
LOCATION: Buckhorn Office Building
DEPARTMENT: Cash Application
WORK SCHEDULE: Days (M-F; 8 hour shift between the hours of 7:00AM and 4:30PM, no weekends or holidays)
WORK TYPE: Full Time (1.0 FTE)
Works in the Cash Application Department to complete the necessary functions required to post hospital and professional cash for all hospitals and physicians within Geisinger Health System. Coordinates with Finance and other Revenue Cycle departments in order to generate sufficient cash flow to support GHS operations and strategic initiatives. Accurately and efficiently applies cash received from all third party insurance payers and patients based on information provided by the payer. Also applies all contractual allowances, other adjustments, denials, and offsets included in remittance advice received in mail correspondence or included in remittances linked to cash received. Maintains the ability to read and interpret remittance advice, identify correct information and errors, analyze accounts, correctly key payments to reduce AR, and identify various revenue enhancement and credit balance issues. Regularly takes part in research into unidentified cash and missing remittances, which would require correspondence with third parties over the phone, via secure email, and third party websites. Responsible for reconciliation/balancing functions for all manual and electronic payers on a daily basis, including reconciliation to the bank deposit. Occasional review of automated posting rules for newly acquired entities, newly automated payers and enhancements to current processes will also be required. The results of acquiring new hospitals and clinics may include a change in responsibilities and processes of Cash Application staff. Revenue Cycle Management goals require that all payments, adjustments, and denials are keyed within 72 hours of receipt.
Professional, motivated, independent, reliable, team player.Demonstrates familiarity with multiple computerized applications, i.e. Siemens, IDX, IDM Find/Tower, Excel, Microsoft Office, online 3rd party websites.
High School Diploma or equivalent required.Knowledge of Revenue Cycle functions and cash application or similar office setting is preferred.Experience with insurances, providers, hospital and physicians including cash flow, billing, collection, cash application and customer service preferred.Experience within a centralized business office of a financial institution.
Work is typically performed in an office environment.
OUR PURPOSE & VALUES: Everything we do is about caring for our patients, our members, our students, our Geisinger family and our communities. KINDNESS: We strive to treat everyone as we would hope to be treated ourselves. EXCELLENCE: We treasure colleagues who humbly strive for excellence. LEARNING: We share our knowledge with the best and brightest to better prepare the caregivers for tomorrow. INNOVATION: We constantly seek new and better ways to care for our patients, our members, our community, and the nation.
GEISINGER MEDICAL CENTER: (GMC), located Danville, Pa., the largest tertiary/quaternary care teaching hospital in the region, is licensed for 475 beds, including 89 pediatric beds in the Janet Weis Children's Hospital. GMC, a Magnet Hospital, maintains the region's only Level 1 Regional Resource Trauma Center with additional qualifications in pediatrics. GMC offers an array of highly specialized medical and surgical services, including neurosciences, cardiovascular services, transplantation, women's health (in the Women's Pavilion), oncology and orthopaedics. The Hospital for Advanced Medicine serves as an integrated center for the most critical patients. Outpatient services are available on and off campus.
We offer healthcare benefits for full time and part time positions from day one, including vision, dental and domestic partners.* Perhaps just as important, from senior management on down, we encourage an atmosphere of collaboration, cooperation and collegiality. For more information, visit www.geisinger.org, or connect with us on Facebook, Instagram, LinkedIn and Twitter.
** Does not qualify for J-1 waiver. We are an Affirmative Action, Equal Opportunity Employer Women and Minorities are Encouraged to Apply. All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of disability or their protected veteran status.
*Domestic partner benefits not applicable at Geisinger Holy Spirit.
We believe that good health is the cornerstone of progress. We are firm in our resolve to make exemplary health care accessible and affordable to all, dedicated to lowering the high rate of cardiovascular disease, including stroke, in minority populations and committed to advocacy and diversity. We are guided by ethical principles in all transactions and strive for excellence in our training and skills.


text: Tuesday, June 21, 2011 APTA Media Corps Keeps Key Messaging in Forefront Consistent messaging is at the core of every brand. So far in 2011, APTA has worked with more than 60 national and regional media outlets, providing experts from our Media Corps and educating reporters about how physical therapists are mobility experts who can help patients reduce pain and restore and improve motion, often without the need for surgery and/or long-term use of prescription pain medications and their side effects. Thanks to the efforts of our dedicated Media Corps, this key messaging continues to be featured and has most recently appeared in several prominent online and print publications. APTA Media Corps member Mary Ann Wilmarth, PT, DPT, OCS, MTC, Certified MDT, was interviewed for 2 WebMD stories, "12 Ways to Improve Back Pain" and "Is it Time for Physical Therapy," and a Lifescript.com story "The Best Chairs for Lumbar Back Support." USA TODAY interviewed APTA Media Corps member Patrice Winter, PT, MPT, MS, FAAOMPT, for a story about the importance of physical activity across the life span, "Boomers, You Gotta Make that Body Last," and highlighted our May LiveStream event. APTA Media Corps member Jill Boissonnault, PT, PhD, was interviewed by American Baby magazine for a story about common injuries experienced by new moms and how to prevent them. Comments 12 Way to improve Back Pain is one of the most informative articles I ever read. Too bad I can not leave a comment at the article site, so please pass this to the author Posted by Back Pain Remedies Seeker on 1/21/2012 4:57 PM


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Beijing's Next Target in Pollution Fight is … Barbecue?
The scent of mutton skewers, dusted with chili pepper and cumin and roasting atop makeshift streetside grills, is one of the most cherished pleasures of summer in Beijing – a cheap and seductive reward for suffering through a season otherwise marked by oppressive heat and pungent, chewable air.
But just as they've moved to knock down the ancient alleyways that once gave Beijing its charm, city officials are now moving to rein in the skewer sellers. Among the main reasons: Air pollution.
"As the weather warms up, the streets gradually fill up with roadside barbecue spots, sizzling kebabs on the grill and cold beer, which also create serious air pollution and undesired noise for the neighborhoods," the state-run China Daily newspaper on Tuesday quoted Dang Xuefeng, spokesman for Beijing's bureau of city administration and law enforcement, as saying.
City administration officials were stepping up inspections of unlicensed grilling operations around the city, threatening violators with fines up to 5,000 yuan ($815) and possible confiscation of barbecue paraphernalia, the paper said.
Beijing has launched barbecue crackdowns in the past, but this is the first time officials have used the city's notorious air pollution as a primary motive in going after the skewer stands – a strategy that has raised eyebrows among environmentalists and Internet users.
China Daily cited Peking University public health expert Pan Xiaochuan in describing smoke from barbecues as a "very common" source of PM2.5, shorthand for the tiny airborne particulate matter smaller than 2.5 micrometers in diameter that health experts say is particularly damaging to human health.
An environmental buzzword ever since angry social media users bullied Beijing into releasing better air pollution data in 2012, PM2.5 also turned up in a story about an anti-grilling sting in the city's Xicheng district that appeared during state broadcaster China Central Television's evening news broadcast on Monday. "This outdoor barbecuing can cause the PM2.5 to rise rapidly," a city administration official told CCTV.
The problem: It's not at all clear that skewer stands contribute in any meaningful way to the haze that typically envelopes China's capital.
More In Pollution
- Chinese Scientist Blasts Trump's Climate-Change Talk
- Consumptionomics: China's Dilemma on Moderate Prosperity
- How Much Chinese Are Willing to Pay for Cleaner Air
- Chinese Children Dizzied by 'Toxic Tracks'
- While Beijing's Air Quality Improves, Smog Makes Journey to the West, Greenpeace Finds
- Nearly 500 Students Fall Ill at 'Toxic School' Built Near Former Chemical Plants in China
"I can't believe that it's actually a source [of PM2.5] that they need to worry about as compared with the enormous pollution that comes from motor vehicles, coal-fired power plants and big industrial factories," said Vance Wagner, a senior researcher at the International Council on Clean Transportation, adding that smoke from cooking isn't typically included in scientific surveys of the sources of the city's air pollution.
A person answering the phone at the Beijing Municipal Environmental Protection Bureau on Tuesday said no one at the bureau was available to provide information about the contribution of mutton grilling to the city's PM2.5 levels and directed China Real Time to the bureau's website. A scan of the website turned up no relevant statistics.
The impact of summer grilling on Beijing air quality has been raised before in state media reports urging consumers to do their part to tackle pollution (in Chinese) – a strategy Mr. Wagner describes as misguided.
"The idea that street vendors or regular consumers need to share that burden is just not fair, and it diverts attention from the real culprits," he said. "It's such a shame, because outdoor barbecue is such a wonderful part of Beijing."
Chinese social media users were likewise miffed at the idea, with some saying they suspected the city administration officials were just using air pollution as an excuse to bully the skewer vendors.
"The people who set up barbecue stands work from dawn to dusk just trying to fill their stomachs, and the city administration officers come in swat them down like rats," wrote one user of the Twitter-like microblogging service Sina Weibo. "Why don't they go after car exhaust or industrial pollution?"
"Flatulence also raises the PM level," wrote another, using Chinese slang for speaking nonsense.
Surprisingly, none of the state media reports about the attack on one of Beijing's best loved culinary traditions mentioned the one justification most likely to earn public support: the risk that some of the unregulated vendors might be trying to pass off rat as mutton.
-- Josh Chin. Follow him on Twitter @joshchin
Like China Real Time on Facebook and follow us Twitter for the latest updates.


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In his comment to my May 4 blog about SIFMA's peculiar definition of fiduciary, Phillip Chao agreed wholeheartedly with Knut Rostad's assertion that categorizing SIFMA's proposed standard as a "watered down" fiduciary standard is completely misleading:
"In the case of the fiduciary standard, 'watering down' would indeed be misplaced. When we speak of the fiduciary standard, it should be thought of as a switch. Either there is light (switch on) or there is darkness (switch off). It cannot be thought of as a "dimmer" where the amount of light gets turned down or dimmed. Simply put, either an investment advisor is willing to meet the twin duties of loyalty and due care or not. The public should not be tolerant with watered down loyalty or due care. The question we should ask ourselves is, "Do I want someone to be sometime or from time to time loyal to me and work for my best interest?" I think the answer is self evident."
Knut has been on a crusade lately, to convince editors, writers, pundits and other observers (such as yours truly) that taking SIFMA at its word about supporting a "fiduciary standard for brokers" without reviewing the relevant facts is a breach of our journalistic responsibility, and a gross disservice to our readers. As one who is criticized far more often for having a lack of tact rather than a lack of candor, I'm at a bit of loss over why I would have suggested to Knut that calling the folks at SIFMA "liars" for suggesting that they support a fiduciary standard for brokers, when in fact, they support a standard that is anything but. (After all, I'm the same guy who once told a former CFP Board chairman [for whom I have tremendous respect] who uttered a particularly lame rationalization, that planners who go on the Board appear to receive frontal lobotomies.)
What's more, I'm under no illusion that SIFMA's standard is anything but a not even thinly veiled attempt to seemingly jump on the fiduciary bandwagon without actually doing so. In fact, I've been writing that this is exactly what they would do for just about two years now. So why my sudden squeamishness over calling SIFMA's proposed standard what it really is?
I suppose I've been taking the long view: that now the fiduciary cat is out of the bag—that brokers have not been required to act in their clients' best interests—the investing public will demand that they inevitably do so. But upon reflection, a universal fiduciary standard is only "inevitable" as long as the public is made aware of attempts to provide something less, under the guise of a fiduciary standard, through the efforts of people like Knut Rostad and Phillip Chao and independent advisors who continue to show clients the difference between a true fiduciary standard, and one that is in name only. Thanks, guys.
See Philip Chao's guest blog for AdvisorOne on the Greg Smith-Goldman Sachs case and its implications for an extended fiduciary standard.


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February 23, 2012
Soba Noodles in Broth with Sweet Potato, Cabbage, and Spinach
Wholesome, comforting, and just plain lovely.
As much as I love to fiddle with recipes and fill them with interesting, new ingredients, every once and a while it feels so great to enjoy something simple.
Filled to the brim with healthy, gorgeous vegetables, this Japanese dish is as delicious as its name is long.
After simmering up a yummy broth and letting it bubble away with sweet potatoes and cabbage, we serve it over toothsome soba noodles tossed with nutty sesame oil.
These noodles are so delightful that they even make me use pretentious foodie terms like "toothsome."
Combined with spinach for an even bigger dose of colorful vitamins and everything is beautiful.
All together, the noodles, veggies, and broth mix and marry to create an amazingly simple and delicious meal.
Soba Noodles in Broth with Sweet Potato, Cabbage, and Spinach
Recipe adapted from The New York Times
Printable Recipe
6 cups kombu dashi, chicken stock, or vegetable stock
2 tablespoons soy sauce
1 1/2 tablespoons mirin
pinch chili flakes
salt, to taste
6 ounces soba noodles, cooked and tossed with 1 tablespoon sesame oil
1 large sweet potato, peeled, halved, and sliced about 1/4-inch thick
2 cups shredded cabbage
4 ounces baby spinach, coarsely shredded
1 green onion, divided, chopped
In a large pot, combine the stock, soy sauce, mirin, and chili flakes over medium-high heat. Bring to a simmer and taste, adding salt if necessary. Add sweet potatoes, cabbage, and the white parts of the green onion, cooking for 15 minutes until the vegetables are tender.
If the noodles have been refrigerated, warm them by placing them in a strainer and dipping it in the simmering soup. Distribute the noodles between four soup bowls. Add the spinach to the soup and turn off the heat. Cover the pot and let sit for 3 minutes. Ladle the soup equally into the four bowls. Sprinkle with the chopped green parts of green onion and serve.
Posted by the lovely Koci on 2/23/2012
5 comments:
- BeckyFebruary 25, 2012
I've been chowing down on pumpkin and sweet potato (probably because I'm on the no-sugar!) recently, but never thought of putting it with soba, can totally see how that would work.ReplyDelete
Yum. Sounds simple yet delicious. I love soba :-)ReplyDelete
I'm totally in love with soba noodles! This looks like a fantastic, refreshing recipe. Can't wait to try!ReplyDelete
Koci darling! This recipe is screaming at me (in a darn good way). Just went on a tour of a Japenese market and bough Soba noodles. And your recipe looks devine. Pics are perrrfect. Cheers honey!ReplyDelete
Thanks for commenting! By leaving a comment, you officially become one of my favorite people. Mwah! :D
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Nik Butenhoff
Director of Career and Technical Education, Rockford Public Schools 205
Chair, Alignment Rockford's Pathways A-Team
Chair, Alignment Rockford's Academy Expo A-Team
Alignment Rockford Operating Board Member
Bio and Professional Experience
I came to Rockford to be a part of the career academy implementation in the high schools and was hired three years ago to be the academy coach at East High School. I served in that position for about two and half years and this past November I took an administrative position with the district as the Director of Career and Technical Education.
Tell us about your new role as the Director of Career and Technical Education and how it will serve Rockford Public School students?
My goal is to provide support to the Career and Technical Education (CTE) programs by working with the CTE teachers and the career academy coaches as they implement curriculum and engage the community. I think the CTE programs are so important in the success of our academies and the pathways they provide our students to college and career readiness. I will work to align the curriculum for the CTE programs within our district and ensure that they provide work based learning experiences that will prepare our students for life after high school.
As a member of the Alignment Rockford Operating Board, you recently participated in a board retreat where members of the Governing and Operating Boards discussed 2015 outcomes and 2016 strategy; was there anything that came out of that retreat that surprised you or that you feel is critical in focusing on this year's efforts?
One of the things that came out of the retreat was a goal to provide support to our high schools as they work to achieve all of the National Standards of Practice (NSOP) for career academies in hopes that all of the district's academies one day gain 'model status'. I think it is so amazing to have an organization like Alignment Rockford that is so supportive of the goals of our high schools.
In reflecting on the progress of Alignment's efforts over the years, can you share your most rewarding/memorable experience?
As I reflect back on the three years that I have been in the district and been a part of Alignment Rockford I am so impressed with the adaptive nature Alignment Rockford has. The goal of Alignment Rockford is support Rockford Public Schools and in such a short time the district has changed so much. I think everyone involved with Alignment Rockford should not only be proud of the work they have done to support our schools, but their willingness to adapt and change so that the organization can best meet the district's needs.
As far as the most memorable experience I have to mention the first Academy Expo that I was a part of three years ago. I remember watching one of our industry experts interact with a student and thinking how special that moment was. I think it was that moment when I really knew that Rockford was definitely on to something with the academies!
What would you like to see come out of Alignment Rockford and it's teams in this new year, and how do you hope your leadership can help guide those efforts?
I hope we can continue to be innovative in how we engage the community and connect them to our teachers and students. I am excited to be a part of teams that support the academies and their pursuit of model status. I hope that the work I do helps engage students in school and motivates them to be successful throughout their high school experience.
Is there anything you would like to add?
I just want to say everyone who is a part of the work that Alignment Rockford does deserves a big HIGH-FIVE! Thank you to everyone who has been a part of Alignment Rockford. We have achieved so much already and I am excited to see what else we can do to continue to improve and support our schools.


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Chris Jarvis, 25, thought he would be shadowing a staff developer as an unpaid intern last year at Sony Computer Entertainment's Cambridge studio in the U.K. When he showed up, he says he was ordered to test games instead.
Forgive me for finding that kind of servitude, well, Dickensian. Jarvis didn't think it was funny, either, and "politely informed" his employers that this role entitled him to the U.K.'s national minimum wage, reports The Independent. When he still wasn't paid—and Jarvis said he worked a 9:30 to 6 pm shift for three months—he reported the company to U.K. authorities and sued for his unpaid wages. Jarvis reasoned that the testing job he did would pay someone £100 a day and SCE Cambridge (now Guerilla Cambridge) took advantage of his intern status to save itself some cash.
Not only did Sony settle the case for £4,600 (£1,000 more than Jarvis demanded) they asked that he sign a gag order—and he flatly refused. And still got his money. So keep that in mind if you're ever in a situation where some corporation is paying you money to go away.
Jarvis' lawyer reminds that, in the U.K. a voluntary worker may only be employed for no pay by "a charity, a voluntary organization, an associated fund-raising body, or a statutory body." Even voluntary workers at a commercial company are entitled to minimum wage.
Update: Jarvis himself has replied in the comments below to provide additional context on his work agreement and situation.
Unpaid intern who sued Sony awarded £4,600 [The Independent via Joystiq]
To contact the author of this post, write to email@example.com or find him on Twitter @owengood.


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Product FAQs
How do I reset my device to the default factory settings?
To perform a factory reset, press and hold the Reset button for 10 seconds.
To perform a factory reset through the web interface, perform the following:
- Make sure that the WFREPEAT300N is on the same network as your computer.
- In an Internet browser, enter the IP address of the unit. The default IP address is 192.168.10.1.
- In the user name field, enter the user name. The default user name is admin.
- In the password field, enter the password. The default password is admin.
- Click Save/Reload Settings.
- Click Reset.


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United Nations Under-Secretary-General to open peace exhibit at UH ManoaUniversity of Hawaiʻi
SGI Peace 21
HONOLULU — A peace forum and exhibit with United Nations Under-Secretary-General Anwarul K. Chowdhury will be held on Saturday, April 21, 2007, at the University of Hawaiʻi at Mānoa. Chowdhury will be the keynote speaker at the Aloha Peace Community Forum at 1 p.m. in the School of Architecture Auditorium, and will open the exhibit, "Creating a Culture of Peace: The Right To Human Security," at 2:30 p.m. in Sinclair Library. The exhibit will be on view from April 21-28, 2007. All events are free and open to the public.
Chowdhury, a leader of the United Nation's culture of peace initiative since its inception in 1999, has long and varied experience and expertise in the United Nations and multilateral affairs. Taking up the theme of the exhibit, Chowdhury will address the personal issues related to Human Security in the current times.
"Creating a Culture of Peace: The Right To Human Security" was created by lay Buddhist association Soka Gakkai International — USA (SGI-USA), to commemorate the 50th anniversary of an antinuclear declaration issued in 1957 by the SGI's second president, Josei Toda.
Through imagery and the words of leading world figures, the exhibit explores topics ranging from the public policies of international leaders to the grassroots campaigns of ordinary citizens.
Also participating in the forum and exhibit are representatives from SGI Peace 21 (UH Student Club), United Nations-USA Hawaiʻi Division and the International Committee of Artists for Peace.
For more information about these events, contact Taeko Yasutake at 343-2266 or firstname.lastname@example.com.
About Soka Gakkai International-USA (SGI-USA)
SGI-USA is an American Buddhist association that promotes peace and personal happiness based on the teachings of the Nichiren school of Mahayana Buddhism. It is affiliated with the worldwide Soka Gakkai International (SGI), which has 12 million members in more than 185 countries and territories. The SGI, as a non governmental organization (NGO) of the United Nations Economics and Social Council shares the mission of promoting international peace and security. There are over 80 centers throughout the U.S. including local centers on the Big Island, Maui, Kauaʻi and Oʻahu.


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While the dominant topic of conversation when discussing margin hikes (or reductions) usually reverts to silver, ES (stocks) and TEN (bonds), what everyone so far is ignoring is the far more critical topic of real margin risk, in the form of roughly $600 trillion in OTC derivatives. The issue is that while the silver market (for example) is tiny by comparison, it is easy to be pushed around, and thus exchanges can easily represent the illusion that they are in control of counterparty risk (after all, that was the whole point of the recent CME essay on why they hiked silver margins 5 times in a row). Nothing could be further from the truth: where exchanges are truly at risk is when it comes to mitigating the threat of counterparty default for participants in a market that is millions of times bigger than the silver market: the interest rate and credit default swap markets. As part of Dodd-Frank, by the end of 2012, all standardised over-the-counter derivatives will have to be cleared through central counterparties. Yet currently, central clearing covers about half of $400 trillion in interest rate swaps, 20-30 percent of the $2.5 trillion in commodities derivatives, and about 10 percent of $30 trillion in credit default swaps. In other words, over the next year and a half exchanges need to onboard over $200 trillion notional in various products, and in doing so, counterparites, better known as the G14 (or Group of 14 dealers that dominate derivatives trading including Bank of America-Merrill Lynch, Barclays Capital, BNP Paribas, Citi, Credit Suisse, Deutsche Bank, Goldman Sachs, HSBC, JP Morgan, Morgan Stanley, RBS, Societe Generale, UBS and Wells Fargo Bank) will soon need to post billions in initial margin, and as a brand new BIS report indicates, will likely need significant extra cash to be in compliance with regulatory requirements. Not only that, but once trading on an exchange, the G14 "could face a cash shortfall in very volatile markets when daily margins are increased, triggering demands for several billions of dollars to be paid within a day." Per the BIS "These margin calls could represent as much as 13 percent of a G14 dealer's current holdings of cash and cash equivalents in the case of interest rate swaps." Below we summarize the key findings of a just released discussion by the BIS on the "Expansion of central clearing" and also present a parallel report just released by BNY ConvergEx' Nicholas Colas who independetly has been having "bad dreams" about the possibility of what the transfer to an exchange would mean in terms of collateral posting (read bank cash payouts) and overall market stability, and why a multi-trillion margin call could result in the biggest buying spree in US Treasurys... Ever.
First, for those who are unfamiliar, here is what happens when an exchange (or a Central Counterparties) proceeds to trade OTC derivatives with any given counterparty (from the BIS):
CCPs typically rely on four different controls to manage their counterparty risk: participation constraints, initial margins, variation margins and non-margin collateral.
A first set of measures are participation constraints, which aim to prevent CCPs from dealing with counterparties that have unacceptably high probabilities of default.
The second line of defense is initial margins in the form of cash or highly liquid securities collected from counterparties. These are designed to cover most possible losses in case of default of a counterparty. More specifically, initial margins are meant to cover possible losses between the time of default of a counterparty,8 at which point the CCP would inherit its positions, and the closeout of these positions through selling or hedging. On this basis, our hypothetical CCP sets initial margins to cover 99.5% of expected possible losses that could arise over a five-day period. CCPs usually accept cash or high-quality liquid securities, such as government bonds, as initial margin collateral.
As the market values of counterparties' portfolios fluctuate, CCPs collect variation margins, the third set of controls. Counterparties whose portfolios have lost market value must pay variation margins equal to the size of the loss since the previous valuation. The CCP typically passes on the variation margins it collects to the participants whose portfolios gained in value. Thus, the exchange of variation margins compensates participants for realised profits/losses associated with past price movements while initial margins protect the CCP against potential future exposures. Variation margins, typically paid in cash, are usually collected on a daily basis, although more than one intraday payment may be requested if prices are unusually volatile.
Finally, if a counterparty defaults and price movements generate losses in excess of the defaulter's initial margin before its portfolio can be closed out, then the CCP would have to rely on a number of additional ("non-margin") resources to absorb the residual loss. The first of these is a default fund. All members of the CCP post collateral to this fund. The defaulting dealer's contribution is used first, but after this other members would incur losses. The default fund contribution of the defaulting dealer would be mutualised among the non-defaulting dealers according to a predetermined formula. Some additional buffers may then be available, such as a third-party guarantee or additional calls on the capital of CCP members.
Otherwise, the final buffer against default losses is the equity of the CCP. In order to calculate initial and variation margins, CCPs rely on timely price data that give an accurate indication of liquidation values. Clearing OTC derivatives that could become unpredictably illiquid in a closeout scenario could impose an unacceptable risk on the CCP.
Table 1 summarises the risk management practices of SwapClear, ICE Trust US and ICE Clear Europe, which are currently the main central clearers of IRS and CDS.
The gist of the BIS paper focuses not so much on the inboarding costs and concerns of migrating hundreds of trillions of products to CCP - a topic evaluated much more in depth by Nick Colas - the BIS does instead look at a hypothetical example of what may happen in the case of a "risk flaring" episode, and how much variation margin G14's may need to post:
As shown in the left-hand panels of Graph 2, estimated initial margins can vary significantly with prevailing levels of market volatility, especially for CDS. The upper left-hand panel shows, for example, that Dealer 7 would need to post $2.1 billion of collateral to clear its hypothetical IRS portfolio in an environment of low market volatility, similar to that prevailing before the recent financial crisis. This would grow by around 50%, to $3.2 billion, if volatility increased to the "medium" level seen early in the crisis, just before the rescue of Bear Stearns. And it would grow by around 150%, to $5.3 billion, if volatility increased to the "high" level seen at the peak of the crisis, amidst the negative market reaction to the US Troubled Asset Relief Program (TARP) and before government recapitalisation of banks began in the United Kingdom. In comparison, the bottom left-hand panel shows that initial margin requirements for the hypothetical CDS portfolio of Dealer 7 would increase by around 160% or 325% from $0.6 billion if the prevailing level of market volatility increased from low to medium or high. The total initial margins that the CCP requires clearing members to post are $33 billion (low), $70 billion (medium) and $105 billion (high) for IRS and $6 billion (low), $20 billion (medium) and $35 billion (high) for CDS.
Nevertheless, it seems unlikely that G14 dealers would have much difficulty finding sufficient collateral to post as initial margin. The diamonds in the left-hand panels show collateral requirements relative to dealers' unencumbered assets, with different colours again representing different levels of market volatility. Even the requirements based on high levels of volatility do not exceed 3% of the unencumbered assets of any dealer for which it was possible to estimate this figure. Although many unencumbered assets held by dealers do not presently qualify as acceptable collateral for initial margins, some of these could be swapped for assets that do qualify.
By contrast, dealers may need to increase the liquidity of their assets as central clearing is extended. The centre panels of Graph 2 show similar patterns in potential variation margin calls as prevailing levels of market volatility change. In the worst case, variation margins could be several billions of dollars, which would have to be paid in cash within a day. These margin calls could represent as much as 13% of a G14 dealer's current holdings of cash and cash equivalents in the case of IRS. A five-day sequence of large variation margin calls that could be expected with a probability of one in 200 would equate to around 28% of current cash and cash equivalents in the worst case.
These results also have direct implications for the liquidity provisions of CCPs, as they would have to pay variation margins in the case of default of a clearing member. Access to central bank funds in distressed circumstances would help to ensure that CCPs could make substantial variation margin payments in a timely manner.
With a probability of one in 10,000, non-margin resources at risk from the failure of one particular dealer, two particular dealers or any dealer with sufficiently adversely affected portfolios would respectively be 20%, 37% and 42% of total initial margins for IRS, and 36%, 46% and 65% of total initial margins for CDS. If prevailing levels of volatility were high, these figures would equate to $21 billion, $39 billion and $44 billion for IRS, and $13 billion, $16 billion and $23 billion for CDS. By comparison, the G14 dealers contributing to default funds had equity of around $1.5 trillion as of 30 June 2010.
Alas, the problem is that the bulk of this "equity" is, for lack of a better word, worthless, as it is based on such assets as intangibles, and MTM-locked up assets, whose true value is far, far lower than where banks carry these. And of course, the need to sell them would come precisely at a time when everyone else would be selling. Which means that in the event of a market lockup, there would be no one on the other side of the trade, meaning the entire CCP experiment would likely collapse spectacularly, as nowhere near enough cash is available.
Next, we look at one of the "percentile probability" charts to determine just where the system is weakest, because these uber-6 sigma events tend to become the norm when TSHTF. According to the BIS, the absolute worst case scenario from a risk management standpoint is a 0.002% probability event, at which dealers could see $160 billion in total margin shortfalls across the IRS and CDS book. And there are those who wonder why banks are stockpiling cash for a rainy day...
The BIS issues a rather ominous warning at this point:
Even after incorporating expected shortfalls into initial margin requirements, however, a sizeable gap remains between the total margin shortfalls (relative to total initial margins) that could be expected with very low probabilities for CDS and equivalent shortfalls for IRS. CCPs clearing CDS may wish to make an adjustment to default fund contributions to ensure that this is taken into account.
Will dealers do this? Of course not.
While there is much more in the full BIS paper extract (found here), we were less than impressed with the methodology used to construct hypothetical CDS and IRS portfolios. In a nutshell, the BIS assumed a hedged book and matched-maturity positions: something, which every OTC trader knows, absolutely never happens, as the whole purpose of derivatives is to take low margin risk positions that coincide with the herd, and thus, not hedge (otherwise what is the point?). As such, we believe, that the full potential shortfall on the up to $600 trillion in gross notional is the full net exposure in the market at any time. Which we are convinced is well over the $160 billion 0.002% case (according to some estimates, between CDS (this one is easy - just look at weekly DTCC data) and IRS (this one is far more complicated), the net notional at risk at any given moment is anywhere between $2 and 8 trillion. And this is capital that the G-14 supposedly have handy for a rainy day?
And next, moving away from dry academia, we shift to one of our favorite authors, BNY's Nicholas Colas, who coinicdentally, discussed precisely this issue in his Friday edition of his Mornina Markets Briefing:
Bad Nightmares and Good Collateral
Summary: The rulemaking around Dodd-Frank is far from over, but one area of new regulation drawing a lot of attention is what to do about over-the-counter derivates trading. It is a huge market – some $600 trillion at the end of last year – and dominated by interest rate contracts, where the notional value is $465 trillion. Just a little perspective – the entire value of the S&P 500 is $12 trillion. If even a portion of this trading moves to a quasi-exchange structure, it will require significantly more collateral than is currently used to support this market. That is strongly bullish for sovereign debt, should these changes come to pass. This dynamic got us wondering what "good collateral" really means anymore. U.S. dollars and Treasury securities are the bedrock of trading collateral, but those assets might not work as well for this function in the next financial crisis as they have in the past. The reason is that sovereign debt is increasingly losing its "risk-free asset" status as developed countries – not just the U.S., mind you – issue more debt to stimulate their economies and avoid taking the pain for previous mistakes.
My longest lasting repeat nightmare, which this year celebrates its third decade festering in my psyche, is that I have failed a class in business school and therefore don't actually have my degree. For the first 10 years after graduating I kept my diploma under my bed, so vivid was that particular dream. The actual class that causes this lingering worry was 'The Pricing of Illiquid Securities," focusing primarily on exotic mortgage backed bonds. It was part fixed income analysis, part options math, and wholly difficult to understand. I almost failed it. Almost. Thankfully it was pass/fail, and the transcript clearly has a "P."
But pricing illiquid assets has become a popular form of reality TV, from PBS' Antiques Roadshow to Pawn Stars to Auction Kings . The formula is largely the same – walk in with something obscure, and an expert will tell you what it's worth and/or give you cold, hard cash for the item. The analysis is a combination of authentication, historical sleuthing and market analysis of likely buyers and the price they will pay. The head of a rare doll might fetch $10,000. An entire motorcycle, even if owned by a minor celebrity, might only be $5,000. Every item is different and has to be appraised on its own history and merits.
There has been a recent flurry of activity in one capital markets dedicated to oddball illiquid securities – the pricing and trading of over-the-counter derivatives such as interest rate contracts. The reason for the attention is the Dodd-Frank Wall Street Reform and Consumer Protection Act, which gave the Securities & Exchange Commission and the Commodities Futures Trading Commission the power to restructure the ways in which OTC derivatives trade and settle. The new rules aren't out yet, and likely won't be available until July, according to various press accounts. That said, there are a few "Hard points" to consider:
- The global market for OTC derivatives is huge. According to the Bank for International Settlements, the notional amount of total contracts was $601 trillion at the end of 2010.
- It is primarily an interest rate market. Of the $601 trillion, just over 75% ($465 trillion) is tied up in interest rate contracts, most of which are swaps.
- This interest rate swaps market is still growing. The poster child of troublesome OTC derivatives, Credit Default Swaps, is down to just $30 trillion in notional value from $42 trillion in December 2008. At the same time, the market for interest rate contracts continues to grow, up to the previously mentioned $465 trillion from $433 trillion in December 2008.
The reason all is this is significant is simple: a change in how these instruments trade, from strictly OTC to something that more closely resembles an "exchange" could involve market participants posting consistent and predetermined collateral in order to clear trades. That's not the way it is done now. The major banks that drive this market have freedom to determine what collateral is needed both to initiate a trading relationship and to keep it going. See here for more details: http://www.risk.net/risk-magazine/news/2074073/margin-proposals-lock-usd2-trillion-assets.
All this brings up a whole host of interesting issues, such as how much collateral the major players in OTC derivatives will have to pony up in order to keep trading. It is impossible to come up with a number at this point, given that the rules are still being written and the market structures to support a new trading regime are not yet assembled. July 2011 was the initial target date for proposed rules, but it appears to be slipping. See http://www.businessweek.com/news/2011-06-01/wallstreet-asks-swaps-regulators-to-re-propose-new-rules.html.
Underneath this bubbling surface of regulatory confusion, however, there is an equally interesting existential topic: what is "good" collateral, anyway? In some ways, it is probably easier for a pawn shop to determine the appropriate price for a used electric guitar than it is for an exchange to decide what assets a market participant needs to post in order to transact buy/sell orders. In the spirit of a thumbnail case study, we went to the CME Group website and pulled what kinds of assets they consider "Good Collateral" and the haircuts they give certain types of assets. Before we review that data, however, it makes sense to consider what makes some collateral better than others. A quick list:
- Good collateral should be something that everyone agrees is valuable. Basically, it is anything that you would rush to pick up off the street before someone else got to it. Gold, developed country currency, and fixed income instruments are all good collateral.
- It shouldn't vary too much in price, regardless of market conditions. Ideally it would appreciate slightly in value when financial troubles strike, since that is most likely when counterparties fail and you need the collateral to ensure a trade can clear.
- It should be very liquid. Again, markets only really worry about the value of collateral when things are going south. That's not the time to find out that South Florida condo real estate isn't anyone's idea of solid collateral.
The attached chart shows some assets that the CME considers "Good Collateral" and the haircuts it gives to those assets. The bigger the haircut, the more of the asset you have to post to support your positions. You can find them here: http://www.cmegroup.com/clearing/financial-and-collateral-management/. A few observations:
- U.S. Government and agency paper is "King of the Hill." Only two assets get no haircut: U.S. dollar cash and U.S. Treasury bills. Agency debt is a 3% haircut, and longer dated Treasuries are 3.5-5.0%.
- Then comes developed country currencies and debt, at 5-9% haircuts.
- Gold and the Mexican peso aren't often put in the same risk category, but they are here. Both receive a 15% haircut, which means that in the eyes of the CME they have equivalent appeal as collateral.
- At the far end of the equation are the Turkish lira (20%) and equities (30%).
Two things pop out to me from this quick analysis:
- If there ever is an exchange-like trading mechanism set up for OTC derivatives, there is going to be a real run on U.S. government paper. The CME's list of assets and haircuts tells the story – Treasuries are the most efficient way to fund collateral. The notional amount of interest rate swaps alone – some $465 trillion – is enough to swamp the $14.3 trillion of total government debt outstanding, let alone the $9.7 trillion that is actually available for purchase.
- The whole notion of good collateral is very much anchored in the thought that U.S. sovereign debt is "risk free." Whether or not that is true in the absolute sense is irrelevant. Remember that collateral needs to be at least crisis-resistant and preferably negatively correlated to asset prices during financial stress. With the U.S. government currently at loggerheads over how to deal with the Federal Debt Ceiling and the most likely path is to simply issue a lot more government paper, the time could be coming where Treasuries no longer fulfill the purpose of "Good Collateral" during crisis. They are just as likely to be the cause of a financial storm rather than provide shelter from the rain.
Bottom line: instead of wondering how to nudge the silver market (lower) or the ES and TEN contracts (higher), perhaps it is time for the key exchanges, which are obviously captured by the very same G14s on whose tithes their existence depends, to actually proactively engage in some risk-mitigation when it comes to the one biggest threat: not that of the measly several billion dollar silver market, but of the $600 trillion IRS and CDS market, which is and continues to be the biggest ticking timebomb in capital markets. And on the other hand, if anyone is wondering what will cause the biggest run on US government bonds... ever... then as soon as every dealer is forced to be on a CPP, all one needs to do is a massive "risk-flaring" collapse which sends everyone scrambling to provide collateral. And since there is a 40-to-1 ratio of notional outstanding in OTC derivatives to total US debt, well, readers can do the math.


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Here are the top 10 post of 2012 on Mother of Discussion:
2. Function Box
4. M & M Math
7. Chore Boards
On a 2013 note... I ended 2012 with big 2013 plans for the blog, but took two weeks off to focus on family. If I'm being honest with myself I enjoyed the two weeks off from the blog more than I thought I would and now I'm reconsidering my choices. The blog might be quiet for awhile as I decide what direction is best for me to take. I hope everyone has planned inspiring things for themselves for 2013, and we'll see in what direction the future goes.


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Judge Vaporizes Big Chunk of Apple's Billion-Dollar Win in Samsung Case
Mar 4, 2013 11:08 AM PT
U.S. District Judge Lucy Koh on Friday struck more than US$450 million from the damages a jury awarded to Apple in last summer's blockbuster verdict against Samsung. The jury found that Samsung had willfully copied a number of Apple's design and software patents for the iPhone and ruled that it should pay more than $1 billion in damages. Based on Koh's latest decision, Samsung now owes Apple close to $599 million in damages.
Koh's ruling is based on her finding that some of the awards "rested on impermissible legal theories," as she wrote in her 27-page opinion.
The jury did not follow her instructions in calculating damages for utility patents, Koh said.
"On a number of the claims for the alleged damages, the jury appeared just to take 40 percent of whatever Apple's expert said," explained Peter S. Vogel, a partner with Gardere Wynne Sewell.
"I think the judge concluded the jury didn't do any independent evaluation," he told the E-Commerce Times.
"This is -- I hate to say it, but -- relatively common," Vogel continued. "That is because juries make determinations outside the foul lines of the law."
New Trial, Uncertain Outcome
Koh ordered a new trial to recalculate damages. At the same time, Koh suggested that both sides could appeal the verdict, noting several potential grounds.
Finally, Koh ruled that Apple would be entitled to interest on the total damages for the period between the verdict and the final judgment, as well as supplemental damages for any sales of infringing devices following the verdict.
That interest will be based on the 52-week Treasury bill rate, as Samsung proposed, rather than on the prime rate, which was Apple's preference.
Koh opted for the lower rate because it did not appear Apple had been forced to borrow money because it was deprived of revenue due to the infringement, she wrote.
The products affected in her ruling include the Galaxy Prevail, Gem, Indulge, Infuse 4G, Galaxy S II, AT&T Captivate, Continuum, Droid Charge, Epic 4G, Exhibit 4G, Galaxy Tab, Nexus S 4G, Replenish and Transform.
Many Moving Parts
At this point, with so many variables in motion, it is unclear how much Samsung will have to pay in damages to Apple.
Last October, the U.S. Patent and Trademark Office tentatively invalidated the so-called rubber-banding patent, which Samsung was found to have infringed in last summer's trial. That wasn't the only bad news for Apple. In December, the USPTO issued a preliminary ruling invalidating Apple's "pinch-to-zoom" patent, which also played a key role in the case.
It is unclear how, if at all, these decisions will factor into the new jury deliberations. An appeal is likely.
"That is typical for patent cases," said Vogel, based on the way the patent legal system is structured. "Companies know that 60 percent of the time, decisions are reversed by the patent court."


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What could you rent out in your house?
"LoveHomeSwap deal with holiday swaps - and Vrumi allows you to let out a room in your house as office space. You don't even have sheets to change. StoreNextDoor allows you to rent out your garage, loft or other space for storage."
Read article in full here.


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Marisa's Power Of Laughter
Our Model Of The Day
Where She's From: Marisa DeVonish was born and raised in Brooklyn, New York. "My mother passed when I was five and my father had to raise my sister and I—it was hard but he managed," she tells The Black Star News.
"He gave us more than you could imagine a single parent could provide. In addition to bowling, gymnastics, ballet, tape and jazz classed which kept me active, my father definitely gave me a sense of security and unconditional love."
She adds: "I knew I was born to entertain. In High School, I was in the Performing Arts Institute where I practiced Improv and scene study. I wanted to continue my theatrical studies in college but my father always encouraged me to have a backup plan. I decided to pursue a degree in education and psychology."
"I didn't give up on my dream," the beautiful and determined Marisa continues, explaining that education is an investment that lasts a lifetime. "I just gave myself time to mature and prepare for that particular journey into the unknown. Two years later, I graduated with an Associates' in early childhood education and two years after that, graduated with a bachelors in psychology."
"While in school I did some modeling in New York," Marisa continues, modestly. "I have been in magazines like; I.B., Concepts, Floss, Smooth, Blackmen, Hype Hair & Game, and Motorcycle Calendar Rider – Ebony Rider, for 2006 and 2007. I was featured in Cam'ron and Kanye West video Down and Out, riding my motorcycle and most remembered as the flasher from season II Chapelle's Show Rick James skit. It was time to get serious and it was time to make that move to Hollywood."
When she got to the promised land in October 2005, she sold her beloved motorcycle to pay rent for three months so she wouldn't have to worry about having a roof over her head. "Within the next six months, I got a great night job—the owners understood my goals and worked with me; I bought a car and moved into my own apartment," she says.
From then on—she was able to focus on her career and several opportunities came one after the other.
Where She's At: She met some MTV producers while doing a new dating show and they loved her personality and brought her to do the last six shows of MTV's Wild N Out with Nick Cannon. She continued building her resume by working in short films, independent features and some Nickelodeon TV shows. She's been on Ashley Furniture commercials, Disney Rewards Internet and Print campaigns and on her Internet Sketch show, Shits & Giggles on digitalcitynight.tv
"I'm one of the hosts and will also be performing skits that I've written for the show—currently in development and filming," she adds. The tireless Marisa is also working on her comedic short "Twisted Therapy" through her production company, Mighty Mouth Productions and she's landed a lead role as Lips McPhillips in the independent film, The Ras Club, which shoots this summer.
Where She's Heading: Looks can only get you so far—this well rounded lady has bigger plans. "The world has so many beautiful women; Hollywood in particular, but how many of them have talent? I mean real talent on the inside—real goals that they are reaching towards; I am so much more than a pretty face," says Marisa. "I am very well educated and extremely creative and it shows in my work. Music videos and sexy magazines are fun but you won't see my making my living from them in five years. I am a writer, a producer, a thinker, a creator—I may get noticed for my looks but that's not all you'll see."
Even smart people like to look good. "I am an anti-brand name," Marisa says. "I love to dress nice and comfortable for myself. Lei jeans fit my small but curvy frame nicely. I have style so can hook the hell up out of an outfit---I do wear Angel perfume, love my Coach shades and Louie V purse and Mac lip glosses are great but the 99 cent version at the beauty supply store works the same. I have more important things to do with my money than spend it on trying to wear what celebrities have on."
"Aside from work, I always think about how many people I have made an impact on that day," she concludes. "How many of them have I made to laugh, smile or even think? Laughter is God's hand on a troubled world."
Marisa's Words Of Wisdom: "Wake up with a smile on your face—it will set the tone for your whole day."
Marisa's Secrets Of Success: "The only person I am in competition with is myself the day before. I'm daily trying to build upon my work and thoughts from yesterday."
Marisa's Favorite Three Movies: "Pretty Woman, Ace Ventura, and Shawshank Redemption."
Marisa's Favorite Three Books: "The Tao of Jeet Kune Do, by Bruce Lee; The Power of The Actor; and, Medical Dictionary—as a kid I would read this book about everything and anything to do with diseases and injuries. Weird I know, but you wouldn't mind getting sick or injured and having me around."
Leaders That Have Inspired Marisa: "It would be interesting to see Obama win the presidency."
The First Thing Marisa Would Do As President: "I would enforce for China-style policies on our judicial system; stiffer penalties for committing crime."
Marisa's Favorite Cars: "I love the new Range Rovers, Cadillac CTS and Nissan 350z. I wouldn't mind a Suzuki 600/750 sports bike but must leave the crotch rockets alone. Too much at risk to get injured."
Marisa's Favorite Musicians: "Sade-Your Love Is King, Ordinary Love, Cherish The Day; Bob Marley-No Woman No Cry; Aerosmith-Don't Want To Miss A Thing; Jay Z; and, Michael Jackson-Starting Something."
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Directed by Park Chan-hong (박찬홍)
Screenplay by Kim Jee-woo (김지우)
•Crime •Drama •Mystery •ThrillerKBS | Airing dates : 2007/03/21~2007/05/24
20 episodes (or 16 episodes x 70 min)
KBS title : The Lucifer
Devil is a story about two men who were predestined to confront each other over a tragic incident that happened when they were young, and a woman who has psychometric powers. Through the bitter fight of its main characters and their desperate attempts to uncover the truth, this drama attempts to find answers to such questions as what is good and what is evil, and how good and bad fortune are formed.
The murder case that begins with an afterimage of one girl is completely ignored and closed quickly because of the girls preposterous testimony. Twelve years later, detective Kang Oh-soo (played by Um Tae-woong) receives a taro card meaning judgment and a letter. A brutal game begins between the culprit and the victim of the case, which began as a trivial incident 12 years ago but has snowballed into a big tragedy, and a mysterious witness.
Eom Tae-woong : Kang Oh-soo
The second son of a rich lawmaker who owns a deluxe hotel, Oh-soo is a serious crime detective who spares no effort to catch criminals. A troublemaker in his teen years, he shocked his family when he said he wanted to become a detective after graduating from high school. Having an outgoing personality, Oh-soo is ready to help his coworkers anytime. But he tends to offend those he cares about because he is not good at expressing his feelings. However, deep inside he is a caring person, and has his wits and unswerving desire to win.
Sin Min-ah : Seo Hae-in
A psychometric, Hae-in currently works as a librarian. She is talented at drawing and is an outstanding taro card reader, but she only does that as a hobby. Her forgetfulness has almost reached the level of amnesia, but her ability to concentrate is stunning once she engrosses herself in something. Having an unsuspecting personality that is often perceived by others as weird because of her poor communication skills, she nonetheless knows how to face hardships head on and turns into a courageous and strong woman when necessary. Her father died three years ago of liver cancer, and currently she lives with her deaf mother, which explains her habit to use the sign language whenever she is angry or lacks words to express her thoughts.
Joo Ji-hoon : Oh Seung-ha
An exemplary lawyer who always smiles, Seung-ha is an angel who volunteers to provide his professional services to underprivileged people and at the same time a coldhearted villain who reenacts and masterminds murders according to his own verdicts. He never went to high school but instead obtained his high school diploma through qualification exams and passed the bar exam with honors at age 25. His contradicting personality -- warm and gentle looks vs. a cold heart -- is like a sharp piece of glass hidden in a soft blanket.
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Five to 10.
That's what Edmonton Eskimos' head coach Kavis Reed said in the meeting about trading away Ricky Ray.
"You would be putting the franchise at risk to the extent it may take five to 10 years to find and develop a quarterback to replace Ricky Ray."
The Eskimos are out of the playoffs and Ray has moved on to Sunday's Eastern Division final with the hope of getting the Toronto Argonauts to the Grey Cup.
And back in Edmonton, coach Kavis Reed wants Ray to know that the way his trade went down was not the way it was presented at the time or during the season.
As for the Eskimos, with whoever is going to be general manager and coach next year, it says here the fans, more than anybody, need to know what really happened. The way GM Eric Tillman presented it wasn't remotely close to what happened, because whatever happens next in Edmonton is going to require a patience which wouldn't be necessary if the Eskimos still had a championship-calibre quarterback like Ray.
It has become known that it was very heated in that room that day with Eric Tillman, Kavis Reed, outgoing CEO Rick LeLacheur and incoming CEO Len Rhodes.
It is believed that any of the explosive eruptions involving Reed on the sidelines during the season paled compared to his response in that room.
Knowing some of the details from other sources, your correspondent suggested to Reed by phone that it needs to come out now that the Eskimos season is over because it's going to come out eventually.
It was also suggested it needs to come out now while Reed is contemplating his options: to remain as coach; take over as GM; become GM-coach; or move on.
And it needs to come out now before Ray wins Sunday to get back into the Grey Cup, if that should happen, and it then sounds like revisionist history.
Facing a non-confidence reaction from the fans who led the league in attendance, despite everything that happened in the turbulent season, if there was ever a time for transparency, this is it.
Reed agreed but with trepidation.
"I don't want this to sound like I'm blabbing what went on at a meeting, because that isn't professional. But the way Eric presented it at the time and during the season was that I was supportive of making that trade. I was not."
Reed wouldn't say it but other sources suggest that Tillman pressed the point the president shouldn't tell the GM what to do about football operations. Timing wasn't exactly ideal for either LeLacheur or Rhodes with one having one foot out the door and the other 11 days into the job to replace him.
"When we were in that room, Rick and Len listened. I said we'd probably be putting our franchise in danger for the next five to 10 years if we traded Ricky Ray away.
"At the time, I was not agreeable with the decision. Realizing Ricky is a franchise quarterback, it was very difficult to say I'm willing to start over with another quarterback.
"It is critically important for the franchise that we all agree stability being the most important thing. We must follow the change of command and make sure the franchise is intact. When a decision is made we must all appear of the same accord."
It was Reed who called Ray.
"I called Ricky in California and told him that he was traded. He expressed his disappointment and I told him that he did everything right as an Edmonton Eskimo and that the franchise was indebted to him."
He didn't tell him that he was violently against the action.
"Eric was going to speak to the agent. I didn't want say anything different than he was saying with the agent."
Saturday Ray said he always kind of believed that was probably the way it went down.
"When I got the call from him, he did say something like 'It wasn't really my call.' He didn't say a lot, but I knew."
Reed, I believe, stood up as much as he could. But in the end he was the coach and the job of the coach is to coach the players the general manager gives him to coach.
"It was a very difficult situation in the locker-room. Ricky was the centre piece of our football team. To see the king's head cut off, I think a lot of our players wondered if they were safe and if the ship were rudderless. But they quickly got over it," said Reed.
Reed, of course, spent the rest of the season massaging players feelings about the quarterback who was starting the next game, but good luck getting a quote from him on that.
Reed says he's now hopeful he's going to be wrong about that five to 10 years thing.
"All signs are that Matt Nichols could be the guy. It may not work out. None of us can say for sure. Are people patient enough to develop Matt Nichols? Nobody is going to trade us Travis Lulay … or Ricky Ray."
All Reed knows for sure right now is that he's going to be cheering for Ricky Ray Sunday.
"Absolutely. I gave him a hug after the game. Ricky is a class act. In one year's time of coaching him, I loved everything he's about and how he approaches football.
"I'd like to see him have success in the post-season."
Reed says he's happy with the idea that Eskimo fans will likely be cheering for No. 15 this weekend, too.
"He deserves it."
Follow me on Twitter.com/sunterryjones


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Other Activities During the Month January 2018
Commission provided inputs in respect of 36 matters for vigilance clearance of officials for Board level appointments in CPSE's. In addition, references of 217 All India Services and Central Services officers were considered for vigilance clearance in matters of empanelment, promotion etc. and inputs provided by the Commission.
18 officers were considered for appointment/empanelment as full time CVOs in various organizations and recommendations were given by the Commission.
Delay in filling up the posts of CVOs: The Commission was deeply concerned over continuing delay in filling the post of CVO's in Indian Telephone Industries Ltd., Jawaharlal Nehru Port Trust, Delhi Jal Board, Goa Shipyard Ltd. (GSL), NTPC Ltd. and MTNL.