text: Ipod-controlling clothes aren't new, sure, but UK retailer Marks and Spencer is taking a teeny risk with its new line of smart clothing. It's aimed at school kids, with controls and pockets integrated into standard school uniform blazers and coats. A five function keypad from Fibertronic is inside the lapels, and there're loops for hiding the earphone wires under there too. Brilliant idea... until you wonder how many detentions this is going to land kids in, when they decide that listening to tunes on the journey into school isn't enough, and Geography lessons are soooo boring anyway. The Back to School iPod gear is in boys and girls cuts, with the coat going for around US$70, depending on size, and the blazer for around US$50. [Talk2MyShirt]


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Understanding How Dental Sealants Help
Prevent Cavities
By acting as a physical barrier, a dental sealant can protect teeth from bacteria and decay. They are most often applied to the molars, which are especially vulnerable.
Lower the Cost of Dental Care
The fewer cavities your child gets, the less you have to pay for restorative treatments like fillings and crowns.
Establish Long-Term Dental Health
Children do not always brush and floss their teeth properly, which makes it easier for cavities to develop. A little extra protection can lay the foundations for good oral health in the future.

subset: commoncrawl


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Pre Requisites
The NCAS Coaching Scheme
How does NCAS work?
NCAS Updating
Course Overviews
NCAS Assessment Calendar
The NCAS is an initiative of the Australian Sports Commission (ASC). It is a progressive coach education program offering courses at various levels. Coaches who are accredited through the NCAS are recognized by national and state sporting organizations and the ASC. Currently over 70 sports participate
The new course structure and delivery methods make the system very attractive in the Pony Club environment. Adoption of policies relating to flexible delivery, competency based assessment and mentoring will allow the courses to be delivered in a variety of ways. Prospective coaches from the absolute beginner to the more experienced can work through the course at their own pace depending on their level of experience and access to assistance.
This policy recognises that coaches can be assessed in a number of ways which will enable people in remote areas or those with time constraints to have access to accreditation.
This policy recognizes that people gain knowledge and skills in a variety of ways, by formal training or life and work experience. The Candidate must provide evidence that they have the skills and knowledge for the competencies they are claiming. They would then demonstrate the required skills in front of an appointed, recognized assessor.
This was formerly called Recognition of Prior Learning (RPL) and is an understanding that people gain skills and knowledge in many ways. In a formal course setting a candidate may feel that they can already perform some of the learning outcomes to the required standard. RCC allows them to identify the skills required and assess themselves against the learning outcomes at their leisure prior to the final assessment.
Some of the areas that can be recognized are;
PCA NCAS Accreditions offered by Pony Club
PCA currently has two courses accredited under the NCAS which are sequential in nature
PCA currently has two courses accredited under the NCAS which are sequential in nature


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A 50-year-old woman was found dead in a Rolla hote
A 50-year-old woman was found dead in a Rolla hotel room Thursday, but authorities do not know the cause at this time.
According to a press release from the Rolla Police Department, central communications department received a 911 call around noon May 16 regarding an unresponsive person inside room 168 of the Americas Best Value Inn, located at 127 H.J. Drive.
An ambulance and officers were immediately dispatched to this location and when first responders arrived, they found the deceased victim.
An autopsy of the woman's body is pending at this time.
The incident is under investigation by the RPD's Division of Criminal Investigations Unit and the Phelps County Coroner's Office.


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BACKGROUND IMAGE: iSTOCK/GETTY IMAGES
- FeatureUsers slow to embrace storage automation
- FeatureHDS reinvents high-end arrays
- FeatureBackup Vendors Tweak License Model
- FeatureMaking disk-based backup work
- FeatureFirst Look: Acopia Networks' ARX1000 and ARX6000 switches
- FeatureWAN Boosters Bring Remote Storage Home
- FeatureFree for the Taking
- FeatureHands-On Review: Onaro SANscreen 2.5.2
- FeatureStorage at risk
- FeatureBest practices: Tackling storage provisioning
- FeatureSnapshot: Backup up desktop data
iSTOCK/GETTY IMAGES
Users slow to embrace storage automation
Some storage managers are still reluctant to put their trust in storage automation. But the users who are implementing automation one step at a time are finding that it can yield big benefits.
Bill north, director of research for International Data Corp.'s (IDC) storage software service, thinks he has glimpsed the future of storage management. During a demo, a vendor set up an Oracle database and piled on a simulated load. The system noticed that a performance threshold had been exceeded, captured an image of the application and automatically moved it to another server with more CPUs and reallocated and redirected the storage. As the load increased, it shifted the application and its accompanying resources to an even more capable server. Reversing the process, the load was lightened and the management system moved the application back to the original server and storage resources--all automatically.
Despite dramatic demos and a wave of automation products from vendors large and small, storage managers aren't rushing to automate their storage. To begin with, they aren't sure they're ready to trust their storage to application-to-spindle automation. While they like the savings that come from reducing labor, they want to keep control. They're also concerned about the difficulties of using these tools, and despite the embrace of the Storage Management Initiative Specification (SMI-S) by most vendors, the challenges of multivendor interoperability remain daunting. Setting up anything but the most simplistic automation is tricky. Automation will happen, but in gradual steps, starting with no-brainers like automated tape backup and then moving on to automating discovery.
To automate or not
"You have to walk before you run," says Dennis Martin, senior analyst, The Evaluator Group, Greenwood Village, CO. That means first automating basic storage tasks such as backup, storage resource management (SRM) or problem alerting. Complex tasks such as provisioning--which can require a dozen or more steps--are best left until later. "Everybody wants to automate, but most customers are not ready to go that far," says Karen Dutch, Softek's vice president and general manager for open-systems solutions. In response, the company stopped marketing Provisioner, its automated provisioning product, and is putting its resources into its basic SRM products such as Softek Storage Manager and Softek SANView, which do basic SRM and resource discovery.
"Our top management would like to see automated provisioning and things like that, but it is kind of dangerous," says a North American information services analyst at a giant international grocery retailer. "Once you set up something like that, you start to lose control. I want to know what's going to happen before it does anything."
The Screen Actors Guild (SAG) has similar concerns about control. It uses Hewlett-Packard Co.'s (HP) SAN Element Manager to automate its storage operations, particularly for troubleshooting and problem detection. It stops short, however, of trying to automate the actual storage allocation. "We set thresholds to alert us when we get to, say, 80% on a LUN for a particular database. But I don't want it to automatically provision more storage at that point. I want somebody to go and sit with the DBA and figure things out," says Firooz Ghassemi, disaster recovery and HIPAA security officer at SAG's Burbank, CA, location.
Others question the value of automation. "The question is not whether to automate storage provisioning, but if doing so provides value, which means providing a better service level at a lower cost," says Robert Shinn, principal, State Street Global Advisors, Boston.
|Automation challenges
Limits of automation
The latest automation products can do the job, at least in certain situations. "You can automatically provision storage under some circumstances," says Stephen Foskett, practice manager for strategy services at GlassHouse Technologies. But there are definite constraints. "You are limited by the types of equipment and the different vendors," he adds. Despite vows by storage hardware vendors to support standards, the heterogeneous nature of enterprise storage hinders automation efforts.
Specifically, different operating systems, storage arrays and host hardware can frustrate even the best automation software. "You probably can not automate every step of the storage process because the hardware or the operating system may do things in a special way," says the Evaluator Group's Martin. At some point, someone will still have to dive deep using a hardware- or operating system-specific tool to perform some low-level task like tuning the cache, adds Ash Ashutosh, executive vice president and chief technology officer at AppIQ Inc., an automation vendor.
The storage automation vendors insist they can handle the multivendor environment today. "You can do application-to-spindle automation, but not with SMI-S," says Mark Bradley, senior technology strategist for the BrightStor management suite from Computer Associates (CA). Instead, CA turns to the simple network management protocol (SNMP) and the published APIs from the various vendors to automate low-level tasks. It may initiate a task, but even then the automation tool can't control how the proprietary array actually does it, he adds. In the end, all the hardware vendors keep some functionality proprietary to their arrays.
Although EMC Corp. has helped drive the SMI-S standard, even it concedes that the immature standard can't yet enable extensive multivendor automation of complex storage operations. For example, its Control Center can do zoning on Hitachi Data Systems, HP and IBM Corp. storage platforms as well as its own, but it can only perform LUN masking with some HP arrays, according to Barry Ader, EMC's director of software product marketing.
Where companies have automatically provisioned a complex heterogeneous storage environment, they have had to do much preparation. A major New York investment house uses CreekPath Systems to automatically provision both storage area network (SAN) and network-attached storage (NAS) capacity across disk arrays from EMC, IBM, HDS and others.
The key, according to the senior vice president in charge of the storage, is solid resource discovery and well-defined workflow. "Discovery is an absolute prerequisite," he insists. The company has also standardized on the latest versions of all the various low-level firmware, another essential preliminary step.
The workflow component is critical to engendering trust in the automation; it will prevent the system from doing something unusual without approval. What the tools can't do yet, Ader adds, are higher levels of automation, such as information lifecycle management. For that, the automation software needs to distinguish storage tiers and service level commitments.
Policy and process
Even when the SMI-S standard matures, automation of complex storage tasks like provisioning isn't going to be simple. "You need a well-defined provisioning process before you can automate it. You need to have a series of structured tasks," says Jamie Gruener, senior analyst, Yankee Group, Boston.
Most organizations, however, don't have a consistent, structured provisioning process because their environments are complex and diverse. Even when they think they do, they likely haven't defined their storage processes to a sufficiently detailed level to automate them through policies. Automation vendors often provide templates and prebuilt workflows, Gruener adds, but those tools don't guarantee success.
An IT outsourcing firm for banks hopes to automate provisioning, but it has more work to do before it can apply automated tools. "The tools are not ready to use out of the box. We still have to document how we want to provision each LUN," says the storage administrator. This isn't a simple task; it entails knowing the storage environment, the network links and paths and knowing how the applications want to use storage. It also involves bringing people from different departments together.
Once you get past larger obstacles such as heterogeneous storage and the lack of process and policy, you can still get tripped up by numerous deployment and ease-of-use issues. The top management of the major global grocery retailer has high hopes for storage automation in the future, but for now just the effort to automate resource discovery--an automated provisioning prerequisite--is difficult.
Slow adoption
Vendors clearly are frustrated that despite the advances they've made with storage automation, their products are not being purchased in large numbers. To drive adoption, most offer free trials in the hope that once managers see automation in action, they'll be convinced.
"We want people to download a free copy, try it and get comfortable with it," says CA's Bradley. Similarly, AppIQ offers a two-week free trial.
Interestingly, cost doesn't appear to be the problem. None of the users contacted for this article voiced serious concerns about the cost of the products, maybe because the vendors readily negotiated. Besides, even basic SRM, the prerequisite for more advanced provisioning, can deliver a fast payback. At Peel Regional Police in Ontario, which handles the policing responsibilities for Toronto's international airport, the staff would spend 60% of their time on storage. With automation, one person handles the SRM tasks, requiring just 25% of his time.
Most storage administrators say automated provisioning isn't a high priority on their to-do lists. Much more basic storage problems--such as backups and restores--are the focus of their attention. But as interoperability standards become more widely adopted, storage administrators say automation makes sense. They are quick to add, however, the road to automated storage is a long one, better walked than run.
Related Resources
- Storage Optimization Analytics: An Overview –Accenture


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1000 Concord St S
South St Paul, MN 55075-5913
If looking at the exciting new Chrysler cars, Dodge vehicles, Jeep SUVs and RAM trucks has you ready to ride, come to our car dealership in St Paul today. And if you don't see what you want, just give us a call! We offer full service from the new car sale and lease to collision repair in our Body Shop.
Popular Models: Jeep Cherokee | Dodge Grand Caravan | Chrysler 300 | Ram 1500 | Dodge Challenger
* MSRP is the Manufacturer's Suggested Retail Price (MSRP) of the vehicle. It does not include any taxes, fees or other charges. Pricing and availability may vary based on a variety of factors, including options, dealer, specials, fees, and financing qualifications. Consult your dealer for actual price and complete details. Vehicles shown may have optional equipment at additional cost.
* The estimated selling price that appears after calculating dealer offers is for informational purposes, only. You may not qualify for the offers, incentives, discounts, or financing. Offers, incentives, discounts, or financing are subject to expiration and other restrictions. See dealer for qualifications and complete details.
* Images, prices, and options shown, including vehicle color, trim, options, pricing and other specifications are subject to availability, incentive offerings, current pricing and credit worthiness.
* In transit means that vehicles have been built, but have not yet arrived at your dealer. Images shown may not necessarily represent identical vehicles in transit to your dealership. See your dealer for actual price, payments and complete details.


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alt-J Concert Information
2017-08-03 CATEGORY: Concerts
Preparing for Arrival
Grass parking is $7 per vehicle and paved parking is $12. If you have not pre-purchased parking, please bring cash to pay upon entering Swope Park. If you are being dropped off for the show, instruct your driver to use the 63rd Street entrance before and after the show. All drop-offs and pickups are at Gate 4.
Each guest is allowed to bring in one sealed bottle of water, but you may be asked to remove the cap based on tour security restrictions. Bottles may not be frozen solid at the time of admission.
Photographic cameras must be able to fit in your front pocket (cell phone and small point-and-shoot styles only; no detachable lens cameras, no GoPros, no selfie sticks, no tablets larger than 7").
All shows at Starlight are held rain or shine! If a dangerous weather situation should develop, the performance may be delayed or interrupted to allow conditions to improve. Updates will be made via the venue sound system and on Starlight's home page and Twitter account.
At Starlight Theatre
Gates open at 7:00 p.m. The show is scheduled to begin at 8:00 p.m.
Magnetic wanding will be used at each entry gate. Non-invasive magnetometer wands scan each guest for prohibited metallic items. In addition, physical pat-downs will be required when a guest declines wanding for medical reasons (e.g. implant or medical device) or when a metal detector alert cannot be resolved through inquiry or physical inspection.
Smoking is permitted in Starlight's two clearly marked smoking areas – east of the Encore Deck and overlooking the north lawn. Smoking is NOT allowed in the audience area.
Credit cards may be used at all permanent concession stands and most portables. Cash is accepted throughout the venue. There is no ATM on site.
Guests may refill their disposable water cups throughout the night at Starlight's 11 chilled water fountains and four water cup fillers. Complimentary small cups of ice water are also available upon request at our concession stands.
Need Info or Assistance?
If you have questions about your ticket purchase or other items in advance of the show, contact Starlight at email@example.com or 816-363-7827.
At the show, ask for assistance from a GuestASSIST staff member (red polo shirt), usher (purple polo) or volunteer Ambassador (white polo) or visit one of our three Guest Information kiosks. You may also TEXT your location and issue to 816-799-7827, and we'll be happy to assist. NOTE: This text line is monitored ONLY during performances.
Experience Kansas City this Summer with Capitol Federal®!
Since 2008, Capitol Federal® has proudly been a part of concert fun at Starlight Theatre in Kansas City. This concert season, they're giving you the chance to win more great KC area experiences throughout the summer.
Simply visit capfed.com/starlight and complete the entry form and you'll be eligible for a shot at one of their prizes throughout the 2017 Capitol Federal Concert Series at Starlight Theatre.


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Vilanova follows Guardiola
Pep Guardiola has confirmed that he will leave Barcelona at the end of the season. His assistant, Tito Vilanova, has been appointed as his successor.
Guardiola has enjoyed great success at the Camp Nou since he was promoted in the summer of 2008 from his role in charge of the Barcelona B side. Under his leadership, Barca won the league title in 2009, 2010 and 2011, Champions League in 2009 and 2011 and the Copa del Rey in 2009.
However, he has been loath to make a long-term commitment to Barca, signing only one-year contract extensions amid fears of burnout in the face of the intense pressure the role attracts.
Following a week in which Barca suffered a 2-1 home defeat to Real Madrid - effectively ceding the title to their rivals - and then a 3-2 aggregate loss to Chelsea in the Champions League semi-finals, Guardiola told the board that he was not prepared to extend his contract. The players were informed of his decision during training on Friday morning and a formal announcement followed in a press conference attended by Guardiola and the squad.
President Sandro Rosell introduced the conference by saying: "We have called you today to announce that Pep Guardiola will not continue in charge of the team next season.
"Thank you, Pep, for all the happiness you have brought us and for bringing a model of football that can never be questioned. The thanks from everybody at Barcelona will be eternal for the best manager in the history of the club."
Guardiola, who apologised for the uncertainty over his future in recent months, said his exit was the best thing for all parties.
"I would like you to understand that this is not an easy decision for me, but I would like to explain my reasons for this decision," he said. "I have always wanted short-term contracts. Four years is an eternity as Barca coach.
"In the month of October I announced to the president and to the sporting director that I thought my spell was coming to an end. The main reason I have taken this decision is because four years is many years.
"I have given everything and I have nothing left and need to recharge my batteries. The demands have been great and I have not been able to rest much. I have to recover and the only way I can do that is by distancing myself. Otherwise, we would have ended up damaging each other.
"I know that I'm leaving the best place to work in. I am very satisfied with the result we have achieved. I have had the great privilege of coaching fantastic players. I want to thank them."
Guardiola also dismissed suggestions he could take another job this summer. "Sooner or later I'll take up another coaching job, but not right now," he said.
Following Guardiola's speech, it was announced that Vilanova will take charge of the first-team next season.
Rosell hailed Guardiola's contribution and backed Vilanova to continue Barca's success.
"Pep always takes the best decision for this club," Rosell said. "It was his decision and it's a personal one and an understandable one. We hope to follow the inheritance that Pep leaves us with the best we can. He has made us proud.
"Now we can confirm that Tito Vilanova will be our new coach. This was a decision taken by Andoni Zubizarreta and it has been ratified today by our executive committee.
"Tito and Andoni will now work on next season's planning and I am sure they will do a good job."
Barca have successfully promoted several players from the B team during the Guardiola reign, and sporting director Zubizarreta said the appointment of Vilanova was a continuation of that approach.
"Tito represents the philosophy of the club," Zubizarreta said. "We've always said that if the team needs players, we look at home first. Who do we have here at home? Tito.''
Guardiola believes Vilanova will prove a successful appointment.
"I think the club has taken the best decision possible," Guardiola said. "He is more than capable. The players know him. He will make few changes. He will give the club and these players something that I thought I could no longer give.
"I could have continued but it is not what Barca would have deserved."
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Custom Waterproof Bags | Promotional Waterproof Cases with Logo
Custom Printed Waterproof Bags & Cases
Getting noticed in this fast pace world is tricky & a mastermind game. Though, there are many items that can serve your purpose of becoming your customer's first & favorite choice. But, what you think about the stylish & promotional bags? The great custom waterproof bags & promotional waterproof cases with logo are the best friends of many who love to carry their essential & valuable items wherever they go. C2BPromo takes pride in bringing you the best range of promotional waterproof bags with logo.
The Custom waterproof bags are available in many different sizes, designs & colors. To boost your business reputation, & captivate your customers, you must look for innovative promotional ideas.
Pick from our designs, material & color options & C2BPromo will upload your brand image on custom waterproof phone cases.
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About Waterproof Bags & Cases
Promoting your business in the market is not everyone's cup of tea. If you want to grow your business, then keep in mind the needs & interests of the customers as it is highly imperative. Adding a logo to the products is a popular trend in the market. Wherever your customers go, they will take custom waterproof bags having your logo along & this will help you grab more potential customers.
Custom printed waterproof bags are designed especially to keep the items organized. There's nothing more exciting than offering something far beyond your customer's imagination to strengthen your relationship with them. And when it comes to promotional waterproof bags with logo, these are one of the day to day needed products, mostly used to carry our clothes, books, electronics, & more items in an easy manner from one place to another. This will not only enhance the appeal of the waterproof bags & cases, but also help you win the hearts of millions by giving them quality bags that are customized as per your business needs.
High-performance printing, exclusive custom printed waterproof bags, & comprehensive support, are the strengths of C2BPromo. For all your promotional logo imprinting needs, make us your first choice.
Here, the experts excel and guarantee positive results to add value to your money. We are proud of what we are offering to the businesses to simplify their journey to reach the masses by promoting their brand. The Promotional 5L Waterproof/Dry Bag & Universal Custom Waterproof Phone Case for smart phones up to 5.5'' is the best selling promotional products that you can choose to promote your brand.
Promotional products are the best way to connect with the customers even without having a direct interaction with them. With the logos imprinted on the custom waterproof bags, your businesses can leave an ever-lasting impression on the audience. The success behind the promotion of your business lies in the quality of the promotional products.
Struggling to make a powerful impact among the audience? This is the toughest thing that every business goes through. Stop at C2BPromo & choose our unmatched collection of promotional waterproof bags with logo to gratify your business advertisement needs.
From our endless collection of promotional printed waterproof bags & cases, select the most durable, inexpensive products as a powerful branding tool.


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Heart Healthy Flash Mob
February 28, 2013
Washington College Dining Services hosted a Heart Healthy Flash Mob with guest appearances from First Lady Elisabeth Reiss and Gus the Goose.
The Dining Hall featured a delicious heart healthy-themed menu and offered a free lunch to faculty and staff wearing red, who donated the cost of their lunch to the American Heart Association.
Last modified on Apr. 12th, 2013 at 11:15pm by Shane Brill.


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You can also insert a blank row by right-clicking any existing blank row and choosing Edit>Copy. Then do a right-click where you want the row inserted and choose Paste.
In Excel 2003 or earlier, click Insert on the toolbar and then choose Row or Column.
You can "cut" a row or column by clicking its header and doing Ctrl+X or you can press your keyboard's DEL key to delete it.
To insert or delete multiple contiguous rows or columns simultaneously, simply mouse-select them before clicking on the command.
Diane Kuhnly wrote that someone sent her a PowerPoint presentation file, but she can't play it because she doesn't have PowerPoint on her PC. Well, a free PowerPoint Viewer is a free download from
There are free MSOffice-compatible office suites available at
libreoffice.org and ibm.com (for the Lotus Symphony suite). Also, Google Drive is a free online office suite at drive.google.com. All of these office alternatives have a PowerPoint-compatible program.
Another reader said she is considering a new PC with Windows 8 and wants to know if her MSOffice 2007 can be installed on it. Microsoft tells us that MSOffice 2007, 2010 and 2013 are compatible with Windows 8, but earlier versions are not. Also, the free office programs mentioned above are said to work with Win8.
Speaking of Microsoft Office, they are trying very hard to switch users to Office 365, which rents for a monthly fee. Well, I got tricked into downloading a free one month trial.
So I decided to try Excel 365 on a number spreadsheet questions. After multiple emails from Microsoft trying to sign me up for the permanent version, I finally uninstalled it. Well, Microsoft reinstalled my existing version of Excel 2007, but it's had a bug in it ever since.
Be very wary of Microsoft's free trials — they aren't like they used to be.
Ruth Gillespie asked if she should upgrade her Internet Explorer 9 to version 10. IE10 was designed for Windows 8, but not for earlier versions. Ruth went on to say she has Google Chrome set as her default browser. So do I.
As for which browser is "better" I can't say. I keep Chrome, IE9, Firefox and the AOL browser on all my PCs. Then I switch from one to another, depending on which works best in a particular situation.
Regarding Win8, the only questions I've received so far ask how to uninstall it and go back to Win7. Well, there is no single all- inclusive answer, but it may be possible on some computers. Send me an email
(email@example.com) and I'll send you a copy of what Microsoft says about this.


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Please choose a location to start browsing all Escorts in your city!
For escorts looking to find an Agency/Club to work within all regions around Geelong Australia. We have a selection of shops seeking to hire new escorts to work with. Get steady work and income in private locations with comfortable work environments and ready clients.
This website was built for escorts and its allies to help grow Sex Industry. Our mission is to become the professional escort directory in Australia with the lowest cost. We plan is to grow our escort listing services so it ranges throughout the country.
MyAngels Escorts is AU 's most glamorous professional escort based website with updated escorts and their sexual service interests' information. At MyAngels you will find plenty of stunning glamorous beautiful escorts with sexy images. We are a AU based escort directory providing a platform for adult advertisements and their allies. Also where you will find AU Escorts, AU Escorts Sensual Massage providers, Escorts Hiring, BDSM Escorts ,Clubs, Agencies in Australia.
Let's take a look at what MyAngels Escorts website can navigate you naughty sexual desires. You are currently viewing all of our AU Escorts and you can even view those categories section for a specified search results as "Non Asian escorts Australia, Asian escorts Australia, Wechat escorts Australia, Two girl fantasy Australia, Sensual massage Australia, BDSM service Australia and much more of it MyAngels update regularly and making sure our ad posting escorts were in full, control of beautiful erotic sexy ads for Australia escorts sex industry."


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Search Tips
Enter your search keywords including Company Name or Keywords. You can also use the check boxes to apply various filters to narrow your search.Displaying 1 - 10 of 37
Region: Midwest US
Category: Adventure Course, Adventure Travel, Camp, Commercial Outfitter/Guide Service, Environmental Education Program/Center, Environmental Organizations, Expedition Support, Experiential Education, Experiential Training & Development, Group Facilitation & Processing, Nature Center, Organizational Development, Outdoor Education Center, Outdoor Skills School, Seasonal Program, Wilderness Medical Trainer
State / Province: MI
Set on 360 wooded acres and a mile of private Lake Michigan shoreline, Miniwanca is a breathtaking and inspiring setting for growth. Towering sand dunes and pines line our beach and a second, inland lake provides the perfect setting for swimming, sailing, and canoeing.
Region: Central North US, Midwest US, US, US & CA, US & International
Category: Camp, Environmental Education Program/Center, Experiential Education, Outdoor Education Center, Seasonal Program
State / Province: MI
Since 1904 Hayo-Went-Ha Camps has offered single gender summer camping for boys on Torch Lake, Michigan. In the early 1990's Camp Arbutus Hayo-Went-Ha for girls was established on Arbutus Lake near Traverse City. In 1981 a co-ed Environmental Education program was established and the Fall-Winte
Region: Southeast US
Category: Adventure/Wilderness Therapy, Community Service, Experiential Education, Group Facilitation & Processing, Risk Management
State / Province: GA
C5 Georgia Youth Foundation works to close the gap between income and achievement for Georgia students by transforming the lives of high-potential teens from challenged environments, empowering them to lead themselves and their communities.
Region: Mid-Atlantic US
Category: Adventure Travel, Camp, Environmental Education Program/Center, Environmental Organizations, Experiential Education, Nature Center, Outdoor Education Center, Outdoor Skills School, Seasonal Program, Service Learning
State / Province: PA
We are proud that 2019 will be our 97th year offering summer camps programs and 46th year of spring and fall Outdoor School programs! All summer campers come on 70, 80 or 90% scholarship ensuring no child misses out on the summer of a lifetime because of inability to pay. Spring and Fall students attend our field trips with their classmates and teachers, and we provide partial or full scholarships for many schools ensuring that ANY school can afford a fantastic 1, 2 or 3 day field trip. We are an ACA accredited non-profit coed camp located just 40 minutes north of Philadelphia, PA. We have 235 beautiful acres complete with pools, high ropes courses, an organic farm, forests and wetlands. We also have a 90 acre mountain outpost located in the Poconos near Bloomsburg, PA.
Type: School
Region: Asia
Category: Experiential Education
State / Province: Taipei
The available position is at a private school's outdoor program. We have an office about 10 km outside Taipei where we are based and run most of our activities from. We have a position available in the "physical team". The position requires a bachelors degree (to apply for a work permit).
Type: School
Region: Midwest US
Category: College/University, College/University (Non-Rec. or Educ.), College/University Outdoor Education, College/University Outdoor Recreation
State / Province: MO
About Missouri State University:
Region: Northeast US
Category: Experiential Education
State / Province: NH
Our vision is the cultivation of a learning center known for its exceptional educational programming, student-centered approach, and teacher professional development offerings, all grounded in an experiential, inquiry-based framework.
Region: Alaska/Hawaii
State / Province: AK
Raven's Way students receive the tools necessary to choose a healthy, substance-free lifestyle. We focus on developing physical, emotional, mental, and spiritual strengths, as well as communication and problem-solving skills.
Region: Southeast US, US
State / Province: FL
SailFuture is an innovative child welfare and juvenile justice agency dedicated to transforming the lives of some of the most challenging youth in our society. We work with 16-18 year old crossover youth - boys who are in foster care and have criminal charges.
Type: Non-Profit, School
Region: Northeast US
State / Province: ME
Unity College, a private college in rural Maine, is a premier environmental college. Through the emerging framework of sustainability science, Unity provides dedicated, engaged students with a liberal arts education emphasizing the environment, natural resources, and science.
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Raksha Bandhan 2020: Celebrate Sibling Bond in a Special Way
Raksha Bandhan, fondly known as Rakhi is an extremely special occasion that celebrates the pure bond of love between a brother and a sister. It is a time for the entire family to get together and celebrate Rakhi with gifts, sweets, and blessings. Rakshabandhan is a festival which is celebrated with a lot of reverence in India. It is celebrated in the Shravana month during the full moon day or Purnima Day.
Choose From Our Extensive Collection of Online Rakhi for Your Siblings
Ferns N Petals has come up with a wide collection of rakhis online, out of which you can choose based on your relationship with your brother, nephew, cousins etc. Available in a varied range, you can select and buy rakhi online India from our website as per your preference and budget.
Here is the list of best types of Rakhi online you can tie on your brother's wrist -
- Silver Rakhi
This is another glittering rakhi option for you. Sterling silver is used to make these beautiful rakhi threads and they would add more shine to your festival. Silver symbolizes wealth and rich and thus this rakhi would bring more luck to your brother.
- Gold Rakhi
To show your brother how precious he is there cannot be anything better than Gold Rakhis. The prestige of Raksha Bandhan would be enhanced with this precious Rakhi thread. Gold further signifies love, courage, compassion, wisdom, passion, and magic.
- Lumba Rakhi
Also known by the name Bhaiya-Bhabhi rakhi, this rakhi comes in a set of two. If you adore your sister-in-law just like your brother and desire to develop a strong bond with both of them for a lifetime, then send lumba rakhi online as a token of love on Raksha Bandhan.
- Mauli Rakhi
Mauli is considered a holy thread in Hindu religion, which is tied on the wrist of people on auspicious occasions. You can order and send mauli rakhi for your brother on Raksha Bandhan because of its auspiciousness.
- Designer Rakhi
Designer rakhis are the perfect choice for girls who are looking for something more than an ordinary holy thread for their brothers. Prepared using expensive stones, diamonds, zardozi, pearl, silver, and gold, etc. these rakhis will look attractive on the wrist of your brother and enhance its charm.
- Rudraksh Rakhi
Rudraksh is quite famous for its medicinal properties that also enhances one's intellect and self-awareness. You can send your brother Rudraksh rakhi on Raksha Bandhan, which will help enhance his mental and spiritual growth.
- Personalized Rakhi
To make the rakhi celebration more exciting and memorable for your brother, you can order a personalized rakhi online for him. Get a memorable picture of you and your brother printed on rakhi and tie on his wrist, which will definitely bring back the memories related to that picture in his mind.
- Kids Rakhi
We also have a specialized section for Kids Rakhi, such as cartoon rakhi, Doraemon rakhi, minion rakhi, tom and jerry rakhi, etc. that you can order rakhi online to make the celebration more fun-filled and exciting for your kids. Celebrating the traditional festivals with family help children gain knowledge about their culture and tradition.
Rakhi Gifts Online Across India - Ferns N Petals
|Rakhi Types
|Rakhi Gifts By Relation
|Rakhi Gifts Combos
|Silver Rakhi
|Rakhi Gifts For Brother
|Rakhi with Sweets
|Gold Rakhi
|Rakhi Return Gifts For Sister
|Rakhi With Personalized Gifts
|Designer Rakhi
|Rakhi Gifts For Bhaiya-Bhabhi
|Rakhi With Mugs
|Doraemon Rakhi
|Rakhi Gifts For Kids
|Rakhi With Chocolates
|Lumba Rakhi
|Rakhi For Bhabhi
|Rakhi With Cushions
Send Unique Rakhi Online Gifts For Your Brother and Sister This Raksha Bandhan
Raksha Bandhan is a famous Indian festival celebrated to cherish the eternal brother-sister love. But like any other festival, it would be incomplete too without exchanging lovely rakhi gifts with your siblings. Along with rakhis online you can also find rakhi gift ideas for your brother, girls can also buy rakhi gifts online for their brothers to express their love and affection towards them. Ranging from chocolates to lucky bamboo plants, traditional sweets to exotic flower arrangements and coffee mugs to comfy cushions, we have a wide collection of rakhi gifts for brother, out of which you can choose an exciting and affordable one as per your preference. Guys can also browse through our comprehensive range of rakhi gifts for sister to choose a lovely rakhi return gift to delight their sweet and adorable sisters. Everything ranging from personalized name frame to comfortable cushion, assorted chocolates to makeup hamper and elegant jewelry to spa hamper will win the heart of your sister and put a graceful smile on her face.
Order Rakhi Hampers and Rakhi Thali from Our Online Rakhi Store
The sibling bond is one of the closest in the world that teaches you significant lessons in life. And this relationship tends to grow stronger with every passing year. Strengthen the bond of love that you share with your sibling on the auspicious occasion of Raksha Bandhan with our exclusive rakhi hampers. Gift hampers are filled with a lot of items that are perfect for every occasion and liked by people of all age groups. From chocolates to dry fruits, sweets to indoor plants, and personalized cushions to home decor items, we have a variety of items included in rakhi hampers that you can order online as per your preference and budget. We also provide a variety of rakhi combos on our portal that are perfect to surprise your siblings and make them feel special. You can choose rakhi with sweets for your sibling who is crazy for sweets, rakhi with dry fruits for a health-freak brother, and rakhi with chocolates for a cousin who loves to eat chocolates all day long. Apart from delightful rakhi hampers and combos, we also provide rakhi pooja thali at our website that girls can order for the occasion of Raksha Bandhan. Adorned beautifully with decorative fabric containing worship essentials, such as rice, roli, and diya, our traditional rakhi thali will help you celebrate this festival with perfect rituals and customs. Decorating beautiful rakhis in this pooja thali, sisters worship their brothers praying to god for their longevity, luck, and happiness in life.
Send Rakhi Online and Return Gifts to India with Express Delivery
We have actually made the shopping for rakhi gifts for brother easier as it will show your care and affection towards your brother. Just go for a rakhi shopping online India and complement it with a delicious sweet and will deliver it for you. Go for the mouth-watery rasgullas, pethas and rabri to leave a sweet taste on their taste buds. You can send these sweets with a chocolate hamper to sweeten up the memories of the occasion. They are sure to carry some fond and sweet memories of the occasion. You might have shared the best memories with your sister and you might have had faint reminiscence of you fighting over chocolates as to who's got the bigger piece. Showcase your fraternal love by picking up best rakhi gifts for sister a luscious chocolate hamper which can be delivered to your sister on the day of the occasion. You can just place the order with a simple click of the mouse. The gifts are exclusively designed with the most attractive packaging. Our quality collection of chocolates such as Ferrero Rocher, Dairy Milk, Lindt and other premium chocolates which is sure to make the occasion even more special.
Enjoy Delivery of Rakhi from India to Abroad By Ferns N Petals
Life is a journey where sometimes you get to stay close to your loved ones and sometimes you have to go far from them due to several situations. If your brother lives in USA for studies or shifted there for job prospects, you must miss him a lot on special occasions and wish to stay closer to him. Raksha Bandhan is one famous festival when brothers and sisters meet, celebrate their relationship and make beautiful memories to cherish the entire life. If your brother is not able to come to India and celebrate rakhi with you, then don't lose hope. Send rakhi online with an exciting gift to make him feel closer to you and show that distance cannot lessen the bond of love between you two. Send Rakhi to USA from Delhi, Bangalore, Pune, Gurgaon, etc. with our International delivery service and we promise to deliver your rakhi order right on time. In abroad, we offer rakhi delivery to a lot of countries, such as USA, UK, Germany, UAE, Singapore, Canada, and USA, etc. that you can avail based on the destinations of your choice.
Online Rakhi Gifts Shopping with Our Flexible Delivery Options
While availing the domestic and international delivery of rakhi, you can enjoy the various types of the delivery facility provided by our website. If you forgot to buy rakhi in advance for your brother and ordering it at the last moment, then send it through our rakhi same-day delivery service. If your brother stays alone in abroad, such as USA, UK, Canada, etc. and he can only receive orders at a particular time of the day, then send rakhi online with our fixed-time delivery service to make sure he doesn't miss the order. You can also surprise your brother with online rakhi delivery at Same day to add more fun to the celebration. He will be highly touched with your sweet gesture and remember the surprise for the years to come. Based on your preference, you can also avail our next day and express rakhi delivery service to send online rakhi to several national and international destinations. We promise to provide you with an excellent rakhi online shopping experience by delivering your order to the doorstep of your brother, right on time
Frequently Asked Questions about Rakhi GiftsQ.1 What are the best Selling Rakhis on Ferns N Petals?
Ans. - The best-selling Rakhis on Ferns N Petals are- Mauli Rakhi, Kundan Rakhi, Zardosi Rakhi, Pearl Rakhi, Cartoon Rakhi, Gold Rakhi, Silver Rakhi, American Diamond Rakhi, Devotional Rakhi, etc.Q.2 How long would it take the Rakhi gifts to deliver at my place?
Ans. - The Rakhi gifts would be delivered at your place as per the date and time selected by you.Q.3 What are the best Rakhi Gifts I can order for my siblings?
Ans. - We have an amazing range of Rakhi gifts like personalized mugs/cushions/photo frames, cakes, sweets, plants, edible hampers, spa and cosmetic hampers, apparels, jewelry gifts, etc.Q.4 What are the special delivery services available at Ferns N Petals for sending Rakhi gifts?
Ans. - We have standard time delivery, express delivery, same-day delivery, and next day delivery services that you can use to send Rakhi gifts to your siblings.Q.5 Can I send Rakhi to India From Abroad?
Ans. - Of course, you can send Rakhi to India from abroad as we have our services in more than 70 countries worldwide like the USA, UK, UAE, Canada, Australia, Singapore, Malaysia, New Zealand, etc.
Interesting Reads on Raksha Bandhan (from FNP Blog)
Did You Know You Could Grow Your Rakhi?
Raksha Bandhan, a festival that celebrates brother-sister love is around the corner and markets.........Read More...
This Raksha Bandhan, Send a Rakhi to Your Unrelated Yet Real Brother
The word 'Raksha Bandhan' implies "a bond of protection". During this festival, the sisters tie a thread of rakhi on their brother's wrist.........Read More...
The True Meaning of Raksha Ka Bandhan
Raksha Bandhan – the big Indian festival glorifies the sacred bond between the brothers and sisters. .........Read More...


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The Best Colleges You've Never Heard Of
Forbes Magazine rolled out its second annual list of America's Best Colleges today and plenty of higher-ed pretty boys didn't earn the sort of blue-ribbon college rankings they usually win.
Dartmouth College (98) got clobbered by likes of Centre College (14) and Wabash College (32). St. Mary's College of California (56) couldn't beat Duke (104) on the basketball court, but in the ratings game it was a slam dunk.
Juniata College (75), which happens to be my daughter's school, handily beat Penn State (324), its neighbor in central Pennsylvania. Lawrence University (41) and Kalamazoo College (52) walloped UCLA (78), Johns Hopkins (173), University of Texas (174), and the University of Michigan (200). And, gosh, what happened to New York University (355) and the University of Southern California (267)?
Here's a big reason why a significant number of obscure schools on the list of the nation's 600 top colleges and universities fared so well: The Forbes' methodology ignores reputation. Instead it attempts to measure the quality of learning that takes place at these institutions. And that's a monumental improvement over the popular rankings that U.S. News & World Report cranks out each year, which focus foremost on reputation.
Forbes' rankings, which were developed by the Center for College Affordability and Productivity, used these criteria:
- Student evaluations from Ratemyprofessor.com 25%.
- Four-year debt load for typical borrower: 20%
- Four-year graduation rate: 16.66%
- National academic awards won by students and faculty: 13.33%
- Salaries of alumni from PayScale.com: 12.5%
- Alumni in 2008 edition of Who's Who: 12.5%
So next time you're tempted to assume that a school is great because of its history, its location or football team -- don't.
Further reading. Want to learn more about college strategies? Read more of my posts:
- Best- and Worst-Paid College Degrees
- Graduate from Berkeley in Just 2 Years
- 4 Smart Ways to Boost Your SAT Score for Less


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Supreme Court Rejects Appeal By Google Over Street View Data Collection
Written by admin No Comments
Last Updated: June 30, 2014
An anonymous reader writes "The U.S. Supreme Court declined to throw out a class-action lawsuit against Google for sniffing Wi-Fi networks with its Street View cars. The justices left intact a federal appeals court ruling that the U.S. Wiretap Act protects the privacy of information on unencrypted in-home Wi-Fi networks. Several class-action lawsuits were filed against Google shortly after the company acknowledged that its Street View cars were accessing email, web history and other data on unencrypted Wi-Fi networks. A Google spokesman said the company was disappointed that the Supreme Court had declined to hear the case."
Read more of this story at Slashdot.


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After getting on base with a one-out single in the ninth inning, Texas' Elvis Andrus had permission to take chances.
Andrus understood trying to take down Seattle ace Felix Hernandez required being aggressive just to get one run.
"Especially when you face a guy like that, when he's on, it's going to be hard," Andrus said. "For whoever is hitting it's going to be hard to get good contact, a base hit."
The latest news from around North Texas.
Locked in a scoreless tie, Andrus singled, stole two bases and scored on Adrian Beltre's infield grounder in the ninth as the Rangers did just enough against Hernandez for a 1-0 win over the Seattle Mariners on Friday night.
Andrus singled with one out, then proceeded to steal second and third base. The second stolen base came as Shin-Soo Choo walked on a 3-2 pitch from Hernandez and was the final batter for Seattle's ace.
Closer Fernando Rodney entered and got Beltre to hit a grounder into the hole at shortstop. Brad Miller fielded the ground ball and was able to get Choo at second, but Robinson Cano's turn on the double play attempt was rushed and the throw was wide. Beltre was safe, Andrus scored and Texas got the run it needed.
"The difference was the base hit to Andrus and he stole the two bases," Hernandez said. "That was the difference of the game."
Texas handed Hernandez (8-2) just his second loss of the season and the Rangers have now handed him 21 of his career losses.
"It's just a win. We see King Felix a lot so it's just a win," Texas manager Ron Washington said. "I wouldn't put any more credence to it than what it was."
Matching Hernandez was Texas starter Nick Tepesch and a trio of relievers. Tepesch threw 6 1-3 innings, Jason Frasor finished off the seventh, Shawn Tolleson (2-1) got through the eighth and Joakim Soria pitched the ninth for his 14th save.
Texas posted its 13th shutout and fourth 1-0 victory this season. Seattle lost its fourth straight.
Tepesch matched Hernandez all night. He faced the minimum through five innings and used just 47 pitches to set down the first 15 batters. The only batter to reach for Seattle was Mike Zunino with a single leading off the third inning.
Zunino lined a ground-rule double into the Mariners bullpen leading off the sixth, the first baserunner by either team to reach second base but was left stranded at third.
Tepesch started struggling in the seventh. With two on and one out, Tepesch was lifted in favor of Frasor who struck out pinch-hitter Endy Chavez looking and Dustin Ackley swinging to end the inning.
Tolleson worked a perfect eighth to get the victory. Soria then shut down the top of Seattle's order in the bottom of the ninth. He struck out James Jones, got a groundout from Kyle Seager and Cano grounded back to the mound for the final out.
"I don't really try and focus on who I am throwing against," Tepesch said. "It's more about the hitters I'm facing. I can't control his throwing or how well they're going to throw or maybe they're going to have a bad day. It's just controlling what I can control."
Hernandez was coming off a career-best 15 strikeout performance in his last outing against Tampa Bay. Hernandez dominated the Rays, but didn't get the victory because Seattle's offense failed to score while he was on the mound.
An identical scenario played out against Texas. Hernandez was just as dominant -- minus the strikeouts -- and the Mariners again failed to provide their ace any runs.
Hernandez was at 98 pitches beginning the ninth. He finished with six strikeouts, four hits allowed and one run. It was an improvement over his last start against Texas when he gave up three runs in six innings.
"Big deal. It was still a lousy game," Hernandez said.
NOTES: Seattle OF/DH Corey Hart (hamstring) hit on the field before the game for the first time since being injured on May 18. ... Rangers RHP Derek Holland (knee surgery) threw live batting practice on Friday. He's scheduled to throw another live BP session on Wednesday. ... Texas LHP Joe Saunders will make his fifth start on Saturday. He pitched last season for Seattle, going 11-16 in 32 starts.


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Robert Duvall Gossip
Robert Duvall gossip, latest news, photos, and video.
One minute acting
A lot of you have been sending me this today: the New York Times video featuring (mostly) world class actors "acting" for a minute. Let's call this what it is, ok? It's a little pretentious and contrived. Come on now… The black and white, the music, the self involvement disguised as art – this kind of sh-t alienates people. Full Story
6 narcissists at the table
This is your weekend assignment. Because who has the time during the week to spend an hour on this, even though it's 60 minutes of pure amazingness? The Hollywood Reporter Actors' Roundtable is embedded below. Enjoy it, maybe over breakfast on Sunday, really savour the experience. I broke it up into two parts on Wednesday night during my playlist making, loved it, but wonder if I would have even more if I hadn't paused. Full Story


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16240 Port Northwest Dr., Ste. 100Houston, Texas 77041
United States
Phone: 832-590-2408
Fax: 832-590-2326
See map: Google Maps
GE Oil & Gas offers Roots blowers, compressors and controls, innovative, advanced air and gas handling products ranging in size and features from small and large rotary lobe blowers and standard blower and compressor packages to custom blower and compressor packages and centrifugal compressors and controls systems.
Manufacturer Product Categories
- Accessories
- Drying & Thermal Solids Processing
- Dust Collection & Air Pollution Control
- Instrumentation & Control
- Material Handling & Transportation
- Mechanical Conveying
- Mixers & Blenders
- Pneumatic Conveying
- Storage


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Water: Grants & Funding
Grants Redirect
American Recovery and Reinvestment Act (ARRA) of 2009
ARRA provided significant funding for states to finance high priority water infrastructure projects through a $2 billion appropriation to the DWSRF program and a $4 billion appropriation to the CWSRF program. EPA's CWSRF & DWSRF ARRA Implementation webpage provides information on the status of ARRA implementation as well as guidance and resources for states and other stakeholders.
Beach Grants
Learn about BEACH Act grants awarded to eligible coastal and
Catalog of Federal Funding
Search this database of financial assistance sources (grants, loans, cost-sharing) available for a variety of watershed protection projects
The Clean Water State Revolving Fund (SRF) provides attractive, low-cost funding for projects that improve water quality, renew wastewater infrastructure, and support local economies.The Independent, revolving loan funds in all 50 states and
The Safe Drinking Water Act, through the DWSRF, makes funds available to drinking water systems to finance infrastructure improvements. The program also emphasizes providing funds to small and disadvantaged communities and to programs that encourage pollution prevention as a tool for ensuring safe drinking water.
Federal Funding for Water/Wastewater Utilities in National Disasters (Fed FUNDS)
Fed FUNDS features federal disaster funding programs for water and/or wastewater utilities to obtain information on federal disaster funding programs from Federal Emergency Management Agency (FEMA), EPA, U.S. Department of Agriculture (USDA), Housing and Urban Development (HUD), and Small Business Administration (SBA). Using Fed FUNDS, a utility can easily identify appropriate funding opportunities, gain insight on the application process, access customized forms to document costs, download successful utility applications, and contact utility funding mentors.
PPG Performance Partnership (PPG) Grants
Learn how States and certain interstate agencies can combine two or more environmental program grants into a single PPG to reduce administrative costs and direct EPA grant funds to priority environmental problems or program needs.
Section 106 Water Pollution Control Grant Program
Section 106 of the Clean Water Act authorizes EPA to provide federal assistance to states (including territories, the
Section 319 Grants Reporting and Tracking System (GRTS)
Discover the GRTS, the primary tool for management and oversight of the EPA's Nonpoint Source Pollution Control Program. These centralized grants and financial databases allow grant recipients to enter detailed information on the individual projects or activities funded under each grant.
Safe Drinking Water Act
The Safe Drinking Water protects public health and our nation's drinking water. It sets national, health-based standards for both naturally occurring and man-made contaminants that may be found in drinking water. EPA, states, and water systems then work together to make sure that these standards are met.
Targeted Watersheds Grants Program
Established in 2003, the Targeted Watersheds Grant program is designed to encourage successful community-based approaches and management techniques to protect and restore the nation's watersheds.
Tribal Funding
EPA is currently soliciting applications to support the National Tribal Water Council to facilitate tribal participation and build tribal capacity to address water quality and drinking water issues.
US/Mexico Border
EPA's U.S.-Mexico Border Water Infrastructure Program provides grant assistance to
Watershed Funding
Visit this Web site to find tools, databases, and information about sources of funding to practitioners and funders that serve to protect watersheds.
Find out more about two grant programs, Wetlands Program Development Grants and the Five Star Restoration and Grants Programs that help protect the Nation's wetlands


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Three weeks ago we discussed the ultimate-doomsday presentation of the state of Spain which best summarized the macro-concerns facing the nation and its banks. Since then the market, and now the ratings agencies, have fully digested that meal of dysphoric data and pushed Spanish sovereign and bank bond spreads back to levels seen before the LTRO's short-lived munificence transfixed global investors. However, the world moves on and while most are focused directly on yields, spreads, unemployment rates, and loan-delinquency levels, there are two critical new numbers to pay attention to immediately - that we are sure the market will soon learn to appreciate.
The first is 5%. This is the haircut increase that ECB collateral will require once all ratings agencies shift to BBB+ or below (meaning massive margin calls and cash needs for the exact banks that are the most exposed and least capable of achieving said liquidity).
The second is 10%. This is the level of funded (bank) assets that are financed by the Central Bank and as UBS notes, this is the tipping point beyond which banks are treated differently by the market and have historically required significant equity issuance to return to regular private market funding. With S&P having made the move to BBB+ this week (and Italy already there), and Spain's banking system having reached 11% as of the last ECB announcement (and Italy 7.7%), it would appear we are set for more heat in the European kitchen - especially since Nomura adds that they do not expect any meaningful response from the ECB until things get a lot worse. The world is waking up to the realization that de-linking sovereigns and banks (as opposed to concentrating that systemic risk) is key to stabilizing markets.
UBS: A 10% Tipping Point
Greater ECB use defers the point at which a sovereign or bank faces a funding challenge, but accelerates the point at which a return to private market financing is unlikely without external support. We continue to see a level of 10% of funded assets financed at the central bank as a tipping point beyond which banks are treated differently by the market and have historically required significant equity issuance to return to regular private market funding. Spain's system just passed this figure, reaching 11% with the most recent announcement of ECB drawings
And a 'bad bank' ahead...
We believe that Spain will need an EU program to raise sufficient funds for what we believe needs to be significant further support for its banks and to provide external verification to regain credibility in the resulting financial system. A 'bad bank' to deal with the €323 billion in real estate assets is necessary, but not sufficient, in our view: the €545 billion shortfall in domestic savings compared with loans is likely to demand a "funding bank" in addition. We would view the likely loss content of this large headline to be a significant but smaller €100 billion.
Nomura: De-linking sovereigns and banks is key to stabilising markets
The most effective response for Spain would be to de-link sovereigns and their banks, following recent steady accumulation of sovereign debt by peripheral banks, in our view. Reducing the link between Spanish banks and the sovereign remains one of the key aspects for relieving pressure on Spain, whether this be by removing sovereign debt from balance sheets or ensuring sufficient capitalization to absorb losses. Unemployment out this morning at 24.4% shows the fragile state the economy is in, which is likely to keep pressure on Spanish yields. Against this backdrop the effect on the asset side of balance sheets is concerning, with expected weakness in non-core government bond prices coupled with a weak economy decreasing individuals' and corporates' ability to repay
If all agencies downgrade Spain to BBB+ or below, the ECB could increase haircuts by 5% on SPGBs
The key aspect in terms of the Spanish downgrade(s) is the ECB's LTRO. If all three rating agencies move Spain to BBB+ or below then under the ECB's current framework it moves into the Step 3 collateral bucket which requires an additional 5% haircut across the maturities. In classifying its risk management buckets, the ECB uses the highest of the ratings to determine an asset's position (unlike the sovereign benchmark indices which use the lowest rating, in general). Fitch and Moodys currently rate Spain at A and A3 respectively, with both having a negative outlook in place leaving only a small downgrade margin before Spain migrates to the lower ECB bucket.
Italy's position is marginally more precarious in that it shares Spain's A3 rating from Moody's but is rated lower at A- by Fitch, and is similarly outlook negative from both agencies. One would hope ECB pragmatism would prevail and move to be more accommodative on its collateral haircut rules on sovereign debt.
The weakness of the eurozone's growth outlook is undermining the efforts of many sovereigns to rein in budget deficits, thereby highlighting the self-defeating nature of the fiscal compact as currently defined. Including the political impact, this has potential to lead to further downgrades
LTRO funding is not suitable when collateral values are unstable LTRO, like all repo funding, should only have been implemented with quality assets to avoid excessive margin calls. In 2009-10, when the operations were used to good effect, the majority of European sovereign assets were still perceived to be 'risk free'. 5-year SPGBs rallied from 4.95% in mid-2008 to 2.62% in December 2009 and non-performing loans were at roughly half of their current levels. In 2009, despite economic weakness, risk had generally been contained through continued fiscal programs, and with the ECB providing continued cheap funding it was sufficient to allow some normalization. The key difference between then and now is that sovereigns no longer have the ability to utilize the fiscal side. When the ECB announced the twin LTROs at the end of last year the sovereigns were clearly in a different state from 2009.
If the ECB believes in the mandated reforms it should be comfortable with warehousing sovereign risk
If the ECB believes in the currently prescribed course of reforms and their implementation it should have little issue with holding a major sovereign's collateral on its balance sheet. Taking this a step further, the ECB is generally concerned with moral hazard, which along with subordination, is likely also a reason why we have yet to see the SMP program buying bonds recently. But this is a double-edged sword in that it gives investors little confidence in the sovereigns' recovery prospects if the central bank appears to be in internal turmoil and is showing no action besides utilizing measures that are more suited to a strengthening market. One of our common refrains during the crisis is that moral hazard should not frame the reaction function of central banks. Rather, the over-riding and immediate objective of policymakers during a crisis needs to be avoiding non-linear or dual equilibrium risk. This requires aggressive and bold policies to be enacted. Europe's policymakers have notably failed on this front, and, hence, we have a crisis that has entered its third year.
The ECB's discomfort is no comfort to investors, eroding confidence
The key question remains in Spain as to who is the marginal buyer of debt beyond the domestic banks and primary dealers. Although the Spanish Treasury has sold a significant amount of its 2012 requirements, as things currently stand the country faces a multi-year funding problem. The extent to which domestic savings filtering through to bond buying is limited given that the general level of savings is likely at its limit. Banks, Santander and BBVA, have also said that they have no more capacity for further sovereign bond purchases given they are at the limit of their risk concentration limits (link), which we think was rather diplomatically put. One risk is that domestic institutions shorten their SPBG holdings and focus more on bills, which would likely be unaffected by any debt restructuring.
We will see a worse situation before any meaningful response is produced by the ECB: QE
Our view is that things will get significantly worse before any meaningful policy response occurs. From the ECB?s perspective this entails pre-announced QE in a size which is commensurate to the problems faced. If the ECB believes in the actions taken by sovereign governments, which it has largely mandated, then its current responsibility is to stabilize sovereign markets in order to facilitate sovereigns' continued financing. The key inhibitor is the deterioration in the political union and the consequent ability to formulate a political response. Absent a proportional policy response, euro breakup remains more probable than possible at this juncture.
Key takeaways for us are:
- the 5% haircut that will force margin calls on the most cash-strapped banks;
- the 10% funding level beyond which the ECB's intervention in the banking system becomes restrictive and self-defeating;
- LTRO funding is not suitable when collateral values are unstable LTRO, like all repo funding, should only have been implemented with quality assets to avoid excessive margin calls;
- greater ECB use defers the point at which a sovereign or bank faces a funding challenge, but accelerates the point at which a return to private market financing is unlikely without external support;
- and finally, the most effective response for Spain would be to de-link sovereigns and their banks, following recent steady accumulation of sovereign debt by peripheral banks, in our view.


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S.F. wants Dodgers to pay Stow's bill
Bryan Stow case
San Francisco is seeking $1.2 million from the Los Angeles Dodgers in federal Bankruptcy Court to recoup unpaid medical costs for Bryan Stow, a Giants fan who was severely beaten by rival fans in the Dodger Stadium parking lot.
The city's effort - spelled out in recent court filings - follows the Stow family's lawsuit against the Dodgers in Los Angeles County Superior Court, claiming that lax security and other problems contributed to the March 2011 attack after an Opening Day game.
San Francisco has identified the Dodgers as potentially liable for Stow's bills, and is setting itself up as a creditor in bankruptcy proceedings that began last year under former club owner Frank McCourt.
Stow, a 43-year-old paramedic from Santa Cruz, suffered a near-fatal brain injury and is expected to be disabled for the rest of his life. Within weeks of the attack, he was transferred to San Francisco General Hospital, where he spent five months before being moved to a rehabilitation center.
The $1.2 million sought by San Francisco represents medical bills not paid by Stow's personal medical insurance. Under city policy, the hospital referred the unpaid bills to the city treasurer's Bureau of Delinquent Revenue, which is pursuing reimbursement.
Attorneys for Stow's family have estimated that his lifetime medical care could cost more than $50 million. On Monday, family members wrote on their website - www. support4bryanstow.com - that Stow had visited home for the first time recently but was not ready to move in permanently.
The visit "helped us realize that he isn't ready, and neither are we, as he still requires assistance with most things," the family wrote. "These are things that we will learn together and eventually we will all feel comfortable when that transition happens, but we are preparing ourselves for the reality that a homecoming won't be anytime soon."
The family said Stow had surgery last week to deal with bone growth in his joints, a common effect of brain injuries, and will need further procedures, setting back his recovery. But they also posted a photo of a smiling Stow with Giants pitcher Jeremy Affeldt, a shot that was taken after Stow attended Game 2 of the World Series at AT&T Park.
Louie Sanchez and Marvin Norwood, both of San Bernardino County, are accused of mayhem, assault and battery in connection with Stow's beating.
At a preliminary hearing, Los Angeles prosecutors portrayed Sanchez as an out-of-control Dodgers fan who surprised Stow with a sucker-punch, causing him to fall back unconscious and slam his head.
Demian Bulwa is a San Francisco Chronicle staff writer. E-mail: firstname.lastname@example.com Twitter: @demianbulwa


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In Japan, the 510 was called the Bluebird. That's fitting as today's Nice Price or Crack Pipe 510 is blue, but will its condition and price make you want to flip the seller the bird?
As their development was relatively concurrent, Datsun's Bluebird family haulers and the 240Z sports car shared a certain amount of corporate DNA. The Z Car's 2,393-cc L24 six is derivative of, and shares bore centers with, the 510's L-series four cylinder motors. The back ends of both cars (except for the 510 wagon) are independently sprung - although the similarities end there as the Z has A-arms and chapman struts while the sedan is a simpler trailing arm design. Despite that last disparity, both cars were successfully campaigned by Pete Brock's BRE racing team, and the BRE 510 - piloted by John Morton - owned the 2.5 TransAm series.
Where the cars most significantly diverged was in form and function, as well as in production numbers. The Z was a relatively limited-production sports car with a very sexy design, and a singular focus on getting its owner laid. The 510, on the other hand, was a boxy, utilitarian design that was intended to appeal to the former Z owners who had failed to use a condom.
How strange then that the 510 today seems to be as - or maybe even more - desirable than its sporting contemporary.
Many a 510 has gone to the crusher, and despite production numbers in the hundreds of thousands, there just aren't a lot out on the roads these days. But rarity has never stopped us, and we've found a dime for you to judge. This 1972 510 Two-Door is lightly molested and rocks an Earl of Sheib paint job. Outside, it goes commando as the blade bumpers have been removed, possibly so that Earl didn't blue's clues them too. The seller claims that he'll reattach the bumpers prior to handing over the car, but it'd still be nice to know what they look like. Under the paint, the driver's side looks straight, but the passenger's is kind of wavy gravy, and there's a nasty dent under the side marker light there.
Other than that, there's not much going on, but then these cars weren't all festooned with trim to begin with. The C-pillar vents, window trim and light frames in back have all been painted black here, but that probably looks better than the pock-marked chrome they likely used to be. The wheels will be familiar if you've spent much time in Pep Boys, and they and the tires look to be about a size too small despite the car having been dropped.
Inside the austerity measures don't extend to the seats as the vinyl fetishist's dream seats have been replaced with a set of lounges that are just Supra, thanks for asking! That's the extent of the extravagance however, as facing the driver is another Pep Boys special - a Grant steering wheel - and behind that, a bit of tuck and roll on the dash cover that makes it look like it's channelling its inner Tijuana Taxi.
In '72, the 510 came with a sturdy and sporty 1,595-cc, 96-pony, L16 OHC four. The seller of this car claims that it comes with a 100-hp L20B, however since I can't tell the difference between the various L-series fours we might want to go with what's been written on the air cleaner, which says it's an L18. Whatever, they're all within a few ponies of one another and their Mercedes-aping design is both rugged and simple. This blue bird also flies via an upgraded five-speed (please, for the love of dog, don't comment that it's an automatic!) although shifting might be a bitch without a knob on there. Maybe Pep Boys was out of stock of those? The Brothers Pep may also have been out of loom wrap as the under-hood wiring here has a bad case of bed head and could stand to be tidied up. Other than that, the open road-breather shouldn't be an issue unless your state has a visual inspection for cars this old. And lastly, how nice is it that the HT leads are color coordinated to the car?
So this is a dime that's had a lot of low budget love thrown its way. With the exception of replacing the seats should the Toyota parts not be to your liking, there's nothing too taxing to either toolbox or wallet here. And with a claim of only 68,723 miles on the car (not in the ad, but the seller is very responsive to emails!), it looks like a pretty solid base for whatever direction you might want to take it.
Of course the determiner of whether or not you would take it in any direction is price, and in this 510's case that is $3,300. A cursory glance around the 510 forums and elsewhere indicates that you can pay less for one of these, but most of those 510s are either non-running, or look like something that dropped out of a dead dog's ass. So what do you think? Does $3,300 for this 510 make it the bluebird of happiness? Or, does that make the seller a blue meanie?
You decide!
cement Craigslist or go here if the ad disappears.
Help me out with NPOCP. Click here to send a me a tip, and remember to include your commenter handle.


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