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Rob Palardy, Sports Information Director
BEVERLY, Mass. – After Salve Regina hit a field goal at the 11:29 mark in the 4th quarter to pull within seven points of Endicott, the Gulls defense forced the Seahawks to punt twice, turn the ball over on downs, and throw an interception on a tipped pass as Endicott won 24-17 at home.
The Gulls improved to 4-0 on the season and with today's victory, moved to 1-0 in NEFC Boyd Division play. Salve Regina dropped to 2-2 (0-1 NEFC Boyd). Both teams will be competing in divisional games next Saturday with Endicott traveling to Curry for a 7:00 pm showdown with the Colonels while Salve Regina hosts Western New England on their Homecoming Weekend at 12:00 pm.
The Endicott defense was led by senior defensive end Kevin Eagan (West Hartford, Conn.) who had a team-high 13 tackles with four tackles for a loss, including three sacks. Six of his 13 tackles went for a loss. Eagan also forced a fumble on a sack that was recovered by junior linebacker Peter Kallas (Beverly, Mass.), resulting in a touchdown pass to junior tight end Taylor Allen (Westboro, Mass.) on the ensuing Endicott drive.
The Seahawks did their part defensively by forcing four turnovers, including three interceptions by Salve Regina defensive backs. Midway through the second quarter, Seahawks senior linebacker AJ Albert (Franklin Park, N.J.) picked off Phil Konopka (Shelton, Mass.) near midfield and returned the ball the Endicott 37-yard line to give his team good starting field position. Salve Regina would score on that drive as senior quarterback Jimmy Connelly (Berlin, Conn.) connected with sophomore running back Richie Edwards (Trumbull, Conn.), who found open space down the sideline for a 32-yard score.
Salve Regina would intercept the ball two more times in the game, but could not convert those turnovers into points as they missed a field goal and turned the ball over on downs on each of the following possessions.
In the first quarter, Salve Regina jumped out to a 7-0 lead after an Edwards run that looked to be halted for a solid gain by Gulls defensive back Andrew Lawson(Framingham, Mass.), but Edwards broke the tackle and dashed 64 yards for the game's first points. Edwards finished the game with 90 yards rushing on 20 carries and two catches for 36 yards receiving.
The Gulls had an opportunity to get three points on the board, but sophomore kicker Dylan Rushe (Palos Verdes, Calif.) had his 21-yard attempt blocked by senior Anthony DePaolo (Southington, Conn.).
Endicott would regain possession and tie the score at 7-7 on a leaping catch by Taylor Allen over his defender from one-yard out. Quarterback Phil Konopka finished 16-of-25 for 126 yards and a touchdown, but threw three picks in the game. He was also sacked twice by the Seahawks defense.
Early in the second quarter at 10:48, the Gulls took a 14-7 lead on a seven-yard touchdown run by senior tailback Mike Lane (Medfield, Mass.). It was Lane's third touchdown of the season. Salve Regina responded four minutes later on the Edwards 32-yard touchdown catch from Connelly to make it 14-14.
On Endicott's next drive on 1st and 10 from their own 32-yard line, Mike Lane rushed to the outside and make a cutback run down the middle of the field 67 yards to the Salve Regina one-yard line. Junior running back Jared DiBiase (Cranston, R.I.) punched the ball into the end zone to put Endicott ahead 21-14.
The Gulls tacked on three more points on a Dylan Rushe 30-yard field goal and took a 24-14 lead into halftime.
No points were scored in the third quarter despite a Salve Regina interception by junior Matthew Markese (West Hartford, Conn.) that was returned 22 yards to the Endicott 27-yard line. Despite the quality field position, the Endicott defensive allowed just one first down before watching a Seahawks field goal attempt from 27 yards sail wide left.
At the start of the fourth quarter, Salve Regina got the ball down the Gulls five-yard line but on third down, a Connelly pass intended for junior wide out Trey Scales (Boston, Mass.) went incomplete as Salve Regina had to settle for a 22-yard field goal by Brendan Deasy (Quincy, Mass.) to cut Endicott's lead down to seven at 24-17. Scales had a solid day receiving, catching six balls for 45 yards, with tight end Patrick Keenan (North Smithfield, R.I.) adding four catches for 52 yards in the loss.
Endicott's final offensive highlight of the day came late in the fourth quarter as the Gulls tried to maintain possession through the run game. Mike Lane broke off another long run, this time a 58-yard scamper down to the Salve Regina 35-yard line. Lane turned in his third-straight 100-yard game as the senior rushed 27 times for 164 yards.
Salve Regina had one last opportunity to drive down the field to tie the game, but on their final possession and on the first play, Connelly's pass was tipped and intercepted by sophomore Jason Silva (Maynard, Mass.) to give Endicott back the ball. Silva, the nation's leader in interceptions, made his fifth pick of the year.
Defensively, Gulls linebackers Peter Kallas and sophomore Andrew Holfinger (Sterling, Mass.) came up big with a combined 5.5 tackles for a loss. Kallas had 10 tackles total with a sack and a fumble recovery. Junior linebacker Craig Lussier (Dracut, Mass.) added seven tackles in the win.
For Salve Regina, AJ Albert led all players with 14 tackles and recorded an interception. Senior defensive lineman Carlos Santos (Trumbull, Conn.) forced a fumble on a quarterback sack, but the ball was recovered by Gulls center Mike Zupkosky (Westford, Mass.).
Endicott receiver Mike Murphy (Chelmsford, Mass.) caught six balls for 52 yards in the game with Mike Fimiani (Melrose, Mass.) adding 39 yards on three receptions.


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Fda (Photo credit: Wikipedia)The Food and Drug Administration will hold a two-day meeting in June to discuss growing safety concerns about metal-on-metal hip replacements, which recent studies suggest are more likely to fail than traditional plastic hips.
Metal hip joints have been under scrutiny due to reports of pain and swelling that have sometimes required removal. In 2010, Johnson & Johnson recalled roughly 93,000 implants. The FDA already asked device companies to conduct additional follow-up studies to monitor problems with the implants.
The agency says it will hold a two-day meeting beginning June 27 to consider whether more rigorous testing standards are needed.
Earlier this month, British experts said doctors should stop using metal hip joints because data show they have to fixed or replaced more often than older implants.

subset: commoncrawl


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The Alice Powell Circle of the New Castle First Baptist Church is hosting a Luncheon and Style Show at 12:30 p.m., Saturday, Sept. 24. Call Peggy McCarty at (502) 845-2851 or Marilyn Rose at (502) 845-2379 to purchase tickets. Proceeds go to the renovation cost of the fellowship hall.
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How To
iTunes Store Account (Apple ID) SupportDo you need help signing in or resetting your password? Learn more about Apple ID and get help with your account.
iTunes SupportLearn how to launch and use iTunes, sync to your iPod nano, back up or move music, rebuild your library, and more.


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posted by Thom Holwerda on Mon 4th Oct 2010 09:03 UTC, submitted by R_T_F_M
FreeBSD is getting support for USB 3.0. "Commit initial version of new XHCI driver which was written from scratch. This driver adds support for USB3.0 devices. The XHCI interface is also backwards compatible to USB2.0 and USB1.0 and will eventually replace the OHCI/UHCI and EHCI drivers."


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28 June 2011|
The second round of the DMCC series took place at the Circuit Icar that is just north of Montreal. Icar is a 1st class racing facility that is built on the old Mirabel airport, which gives the venue a unique look and feel. The track is completely concrete that is actually really good at not eating tires too much but one drawback is that the track is so huge that some sort of transport is needed to get around or else you spend your weekend walking from place to place.
It is the second time that the series has come to this track but this year they ran a different layout and the main event took place at night. The course looked like it was going to be really fast and exciting but sadly Mother Nature had a different plan. Rain was in the forecast for the whole day so it was looking like it was going to be a real wet event.
Right before the first practice session was about the begin it started to rain..and rain and rain. Since the track is built on an old airport run way it does have decent drainage but there was so much water that it could not keep up and huge puddles started to appear on track. With all the water most of the first practice runs involved spin outs or just sketchy runs since all the drivers not only had to learn a new track but do it in the rain on a track that when wet is like driving on ice. Even with the rain Marc Landreville was still going balls out as usual. He had some of the craziest entries of the day, initiating further then any other driver. About halfway through practice it actually stopped raining and started to dry up. Things were looking good and we were finally seeing some tire smoke. But that is when we had our first incident of the event, Matts Baribeau coming in a bit too hot lost traction on some parts of the concrete that was still wet and it sent him into the guard rail. The hit was hard enough to break out his back window. He was ok but the car was too damage to be able to compete the rest of the event. Once the wreck was cleaned up of course it started to rain again but this time it was coming down a lot, so much so that most of the drivers decided to head back to the pits. It was cool to see Bob Patinka stay out and do lap after lap so at least the few spectators that were out in the rain had something to watch.
With the downpour over it was time for qualifications. The rain had stopped but the track was still very wet and that gave a lot of drivers difficulties causing a few drivers to not qualify and even Marc -Andre Fountains sick Skyline into the wall.. Top qualifying spot went to Marc Landreville, he also posted the fastest entry speed of 115.
As luck would have it when everybody was ready for the top 16 battles to start the rain also started up again! With the rain and the darkness it proved to be a hard core combo but nobody was going anywhere..the grand stands were still packed! All the battles were pretty exciting because of the wet track conditions it was really anybodies game. During his top 16 battle Carl Nadeau was going up against last rounds winner Jeff Laflamme. On Carls chase run he came in a bit too hot and despite his sticky BFG tires Carls BMW spun into the wall pretty hard. Top 4 battles were just as exciting with contact between Brad Carton and Marc Landreville. There was equale contact on both runs and after a one more time Brad was given the win. The battle for 1st was between Miro and Jeff Laflamme. It was really tight between the two but Miro took home the first place podium spot with Jeff in second and Brad in 3rd.
Despite the conditions this event was great with tons of action and I cant wait for the next event at Icar….I just hope the sun will come out too.


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Doris A. Gilbert, 103, lifelong school supporter
Feb. 8, 1910 – June 9, 2013
Doris A. Gilbert, a lifelong resident of Buffalo, died Sunday in Greenfield Health and Rehabilitation Center, Lancaster, after a brief illness. She was 103.
Born Doris Strathman, she was an honor student and graduate of Fosdick-Masten Park High School, Class of '27, and she maintained a connection to the school her entire life.
On Sept. 13, 2010, she was honored at the rededication of City Honors at Fosdick-Masten Park, with her speech presented on her behalf by her son Don.
Her remarks about her own graduation year put her long life into context: "Calvin Coolidge was president. Gas was 15 cents a gallon, a 24-ounce loaf of bread was 9 cents. Babe Ruth hit his 60th home run. The Peace Bridge opened. ..."
She then urged today's students to be positive, embrace opportunities, follow the rules and have a spiritual component in their lives.
To celebrate her 102nd birthday, she honored the school with a bronze plaque affixed to the steps, which says, in part:
"Advance your intellect. Empower yourself with empathy and compassion. Give rise to progress in the great city of Buffalo and around the world."
Mrs. Gilbert began her working career at age 16 as an administrative assistant to the president of HD Taylor Company, where she worked until 1939.
From 1960 to her retirement in 1980, she was an administrative assistant in the department of continuing education at the University at Buffalo.
Mrs. Gilbert was a member of Holy Trinity Lutheran Church and the PTAs of School 63 and Bennett High School. She also was an avid bridge player, continuing to play until about five years ago.
Her husband of 57 years, Don W. Gilbert, died in 1991.
She is survived by two sons, William F. and Don A., whose football career at Bennett High, UB and in Canada gained him membership in the Greater Buffalo Sports Hall of Fame.
A memorial service will be at 11 a.m. Saturday in Holy Trinity Lutheran Church, 1080 Main St.


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Monsters, Inc. (US - BD)
Gabe shredded all the doors in his house to avoid closet monsters....
The monster city of Monstropolis runs on the power of human children's screams, and Monsters Inc. is the business of scaring. James P. Sullivan (John Goodman), or Sully as he's known to his friends, is the companies top 'scarer', and for a city in the grips of an energy crisis his efforts are invaluable. With the help of his work partner and best friend Mike Wazowski (Billy Crystal), Sully has become a Godzilla among gremlins. But it all goes to hell in a severed hand basket when Sully accidentally lets a child into the monster world via one of Monsters Inc.'s magical doors. This normally wouldn't be the end of the (monster) world, except that children are mistakenly considered toxic by the monster authorities.
Monsters Inc. runs on a delightful high concept, which opens the film up to a economically fully formed universe and mythology. It's unfortunate that the rightfully forgotten and maligned Fred Savage vehicle Little Monsters got to the whole 'monsters scaring us from an alternate universe' thing (in Little Monsters the monsters enter our world under beds instead of through closets), but Pete Docter's film adds the genius element of a reason for bothering children in our world. On top of this the script adds a mystery, a pretty shocking character twist, and some of the most efficient exposition in animated film history. It's unfortunate that there's any comparison to be made between the two films, but the similarities are cosmetic at best. Great scripts aren't a rarity for Pixar—in fact, they're practically the defining element of the entire studio—so comparatively Monsters Inc.'s imaginative narrative is not really a story, but seriously guys, this is a great script. 2001 was a great year for original screenplays ( Memento, Royal Tenenbaums and Amelie), but I'd say Monster's Inc stands higher than many of the most celebrated of the year, even the Oscar winner Gosford Park (the actual screenplay was written by Andrew Stanton, who would be nominated for best screenplay in 2009 for Wall-E).
Speaking of the 2001 Oscars (possibly the most aggravating in my lifetime), Shrek took the first ever Best Animated Film award over Monsters Inc.. Shrek isn't a bad film, but it has nothing on the affecting and intelligent piece of filmmaking that is Monsters Inc.. Shrek is a throwaway franchise of spoof and pop-culture references, Monsters Inc. is an original story spiked by jokes (though I should be fair, many of the film's best visual gags are in reference to Chuck Jones cartoons, which count as pop-culture). Because I recognize that I still suffer from a mental problem similar to Gump Syndrome (the disease suffered by Pulp Fiction and Shawshank Redemption fans who hate Forrest Gump unfairly for winning the '94 Best Picture Oscar), I'll stop these comparisons here.
Monsters Inc. is a comedy first, a drama second, and an action flick last, but without any one of these genre elements it wouldn't have been nearly as successful or lasting. The comedy is broken down into dozens of categories, with Billy Crystal kind of ruling the roost, but Sully's interaction with Boo really fills the adorable void, and offers enough levity to lead us gracefully into the more dramatic elements. The bulk of the affecting drama revolves around Sully and Boo's father/daughter relationship, and/or Sully and Mike's bromance. Both relationships are lead along well-travelled trails, and even fans have to admit if Sully wasn't a giant blue monster we might not give the relationships so much of the benefit of the doubt (the third act crisis is pretty heavy-handed). But I'm also hesitant to believe anyone that claims to not have found themselves choked-up at the end of the film, when Sully opens Boo's door and hears that familiar cry of 'Kitty'. The action is the least necessary element, but it's such a sweet nougaty centre it would surely be missed. The climatic million door chase is still one of the best chases in the chase-heavy studio's collection.
I have to admit I wasn't expecting miracles for this Blu-ray, given the film's age, and the overall Bug's Life transfer, which was perfectly acceptable, but short of the brilliance of the Wall-E and Up discs. Right off the bat it's clear that fans are in for something special. The sheer brightness of the colours during the credit montage is arresting enough, and the hue intensity never lightens up. Despite the film's age this might be the most colourful Pixar Blu-ray yet. The lighting is pretty regularly unnatural, and really harsh, but what the transfer lacks in realism it makes up for in 'Oh my God, look at those colours'. The details and technology stand-up a bit better than A Bug's Life (which still looked very good). It's incredible how quickly our eyes adjust to this stuff. Fine details are quite effective, but interacting elements don't connect as well they do in newer features. Teeth and eyes often don't look like they're a natural part of the character. But even in total nit-picking mode I'm really impressed by the sharpness of Sully's hair (which was freakin' mind-blowing at the time), fine prop and set details (carpet and walls are awesome), and some of the subtle colour changes over Mike's skin. It's clear in HD that a lot more time went into the textures and details of the lead characters, but the lack of human, or even worldly creatures means even the plastic looking guys fit nicely.
Apparently Monsters Inc. has been audibly revamped for this release. This DTS-HD track certainly sounds better than the old Dolby Digital EX track, but I'm not sure how much of the difference comes out of the face that this track is uncompressed. Generally speaking the track is fantastic, and still one of mix artist extraordinaire Gary Rydstrom's finest and most dynamic achievements. The big door room chase is a clear frontrunner for must-hear audio moment, along with the snow surround filled Himalayan scenes, but I pick the bit where Boo starts crying in Sully and Mike's apartment as the reference level moment in the film. The bass hear throbs and punches, while the sound of flowing electricity slides from channel to channel in a smooth motion. The remix features a lot more bass than the DVD release, perhaps even a hair more than needed, based on the constant thump of Sully's feet, but the bass adds some dimension to some of the vocal performances, especially James Coburn. The dialogue also features more directional influence than the DVD release. It will work better for those with projection screens and behind screen stereo speakers. Randy Newman's score is more interesting than his Toy Story and Bug's Life score in that he's moving a little outside of his comfort zone. The score is a mix of Newman's usually whimsical themes, cues that recall classic film cues, and big band jazz. The music is mostly a stereo affair, but there are some good echo effects.
Things begin with the old DVD commentary track which features director Pete Docter, screenwriter Andrew Stanton, producer John Lasseter, and co-director Lee Unkrich. The commentary is well prepared, and likely edited for content (it often sounds like Stanton and Lasseter were recorded separately), but the effect is entertaining and informative. There's a lot of time spent making sure everyone responsible gets credit, which is commendable, but kind of exhausting from a listener's standpoint. The track is a little dated concerning the technology, of course, but it serves a historical significance—sort of.
The new extras begin with a filmmakers round table (22:00, HD). Docter, co-directors Lee Unkrich and David Silverman, and producer Darla Anderson talk up the project literally around a round table to footage from the film and the extras. This is a good companion piece to the commentary track, as the filmmakers are able to look back further on the project, and cover some subject matter that was overlooked. The best discussion concerns the deleted concepts and sequences, and the process of deleting them, all the way down to post-9/11 changes. In a surprising bout of post-modernism the contributors also discuss the old DVD extras. 'Monsters Inc. Ride and Go Seek' (12:00, HD) is a less insightful look at the film themed ride recently built at the Tokyo Disney Land. It's an ad, but it's a good ad, and covers the cultural impact of Disney on Japan. The first disc is finished off with the two shorts that accompanied the original DVD release— For the Birds (03:20, HD) and Mike's New Car (03:50, HD)—both of which feature optional commentary (the first with director Ralph Eggleston, the second with the filmmakers' sons).
The second disc begins with 'Roz's 100 Door Challenge', a mixed quiz game/search game that runs one hundred rounds. The participant is given the benefit of three wrong answers/ failures before the game is over. The load time between questions is brutal, and it's not very fun, but the art used to illustrate the game is neat.
This is followed by all the extras that donned the second disc of the original DVD release. The extras featuring a lot of production art are mostly presented in HD video. These begin under the 'Humans Only' banner with 'Pixar Fun Factory Tour' (03:30, SD), a brief tour of the then new Pixar studio with John Lasseter, including footage of all the wacky offices, and of the studio's first annual paper airplane contest. The 'Story' tab features four brief featurettes: 'Story is King' (02:00, SD), 'Monsters are Real' (01:30, SD), the original pitch treatment (13:40, HD) and 'Story Pitch: Back to Work' (04:30, SD). The 'Banished Concepts' tab features an intro (00:30, SD), four deleted scenes presented in storyboard form (08:30, HD), and one alternate scene (01:00, HD). 'Storyboard to Film Comparison' features a storyreel, final version, and split-screen comparison of a single scene (05:20 each, HD). 'Monster File' features 'Cast of Characters' (05:50, SD) and 'What Makes a Great Monster' (01:30, SD).
The 'Animation' tab features the most third sub-menu info including 'Animation Process' (03:10, SD), early animation tests with filmmaker commentary (08:00, SD), 'Opening Title Animation' (02:00, SD), 'Hard Parts' (05:00, SD), 'Shots Department' (02:20, SD), and a five part 'Production Demonstration' (01:50 each, SD). The 'Music and Sound' tab features 'Monster Song' (04:10, SD) and a look at sound design (03:20, SD). The 'Humans Only' section is finished off with HD art galleries (characters, colour script, concept art and posters), 'Designing Monstropolis' (05:00, SD), 'Set Dressing' (03:30, SD), 'Location Fly-Arounds' (07:30, SD), premiere footage (01:00, SD), trailers and TV spots (no teaser), a multi-language reel (03:45, HD), a look at the toys (01:30, SD), and most importantly all the out-takes/gag reel entries (05:30, HD).
The 'Monsters Only' tab features 'Monster TV Treats' (01:10, SD), 'Ponkickies' randomized game, 'If I Didn't have You' music video (01:10, SD), 'On the Job with Mike and Sully' (02:30, SD), 'Welcome to Monsters Inc' (01:00, SD), 'Your First Day' (03:30, SD), and 'History of the Monster World' (01:30, SD).
I tried to write a less personal retrospective of the film, but it's proving impossible. Monsters Inc. practically defined my 2001 Thanksgiving and Christmas. I saw the film so many times I eventually grew a bit sick of it. This is the first time I've watched it since the original DVD release. Until I watched this new releases' roundtable it hadn't dawned on me that my affection for the film might've gone beyond the basic fact that it was just generally a good film (and featured an Attack of the Clones teaser). When Docter and his cohorts discuss the effect 9/11 had on the film, which was released mere months after the tragedy I had a bit of an epiphany. Now it all seems so clear—the film is, at its most basic, about replacing fear with laughter. I can't go back in time and re-evaluate my feelings on the film, but this new information has helped me re-connect with the film I'd left behind for trans-Pacific journeys with fish, middle-aged superheroes, and cooking rats.
*Note: The images on this page are not representative of the Blu-ray release.
Review by Gabriel Powers
Loved Monsters, Inc. Finally the Blu-Ray has arrived.
stevepulaski Member Join Date: June 2009 Location: Niger Posts: 741
I agree your comment on Shrek is just a spoof movie.
It really kinda was. I didnt like it as much as others did. I think this was a far better movie.
It really kinda was. I didnt like it as much as others did. I think this was a far better movie.
I love Shrek. It's the best CGI animated movie not made by Pixar and I can understand why it took home the award instead of "Monsters, Inc.," but I loved them both just the same.
Just a quick reminder though for those Pixar fans like me that wondered, I think it's best that for some people trying to save up on Christmas presents that you can get them as gifts.
Just a quick reminder though for those Pixar fans like me that wondered, I think it's best that for some people trying to save up on Christmas presents that you can get them as gifts.
JackJackMN Member Join Date: January 2006 Location: United States Posts: 629
It holds up better on Blu them I thought it would. Great film. Now let's get The Incredibles on Blu please.
Matt Stilwell Banned Join Date: October 2004 Location: United States Posts: 517
Monsters isn't my favourite Pixar film, which is either The Incredibles or Finding Nemo. But I would definately be interested in seeing what it looks like in blu-ray.
JackJackMN wrote: Now let's get The Incredibles on Blu please.
More like Finding Nemo on Blu.
More like Finding Nemo on Blu.
All ages admitted
Disc Details
Release Date: 10th November 2009
Discs: 4
Disc Type: Blu-ray Disc
RCE: No
Video: 1080p
Aspect: 1.78:1
Anamorphic: No
Colour: Yes
Audio: DTS-HD Master Audio 5.1 English, Dolby Digital 5.1 French, Dolby Digital 5.1 Spanish
Subtitles: English SDH, French, Spanish
Extras: Filmmaker Commentary, Filmmaker's Roundtable, For the Birds, Mike's New Car, Monsters Inc. Ride and Seek, Roz's 100 Door Challenge Game, Fun Factory Tour, Deleted Scenes, Production Features, Production Art Galleries, Trailers, TV Spots, Promos, DVD Copy, Digital Copy
Easter Egg: No
Feature Details
Director: Pete Docter
Cast: Billy Crystal, John Goodman, Bonnie Hunt, Steve Buscemi, Jennifer Tilly, James Coburn, Frank Oz
Genre: Action, Adventure, Animation, Comedy and Drama
Length: 91 minutes
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Below is a copy of the letter Bill Ackman sent to Moody's rating agency regarding MBIA (MBI) and Ambac (ABK). Marty Whitman can call him what he wants, but the guy knows his stuff.
January 18, 2008
Mr. Raymond McDaniel Mr. Stephen Joynt
Executive Chairman and CEO CEO and President Moody's Corp. Fitch Ratings
99 Church St. One State Street Plaza
New York, NY 10007 New York, NY 10004
Mr. Deven Sharma
Standard & Poor's
55 Water Street
New York, NY 10041
Re: Bond Insurer Ratings
Ladies and Gentlemen:
As a Nationally Recognized Statistical Rating Organization, Moody's, S&P, and Fitch have been granted a level of authority that capital market participants and Federal and State regulators have historically relied upon in evaluating the safety and soundness of corporations, regulated financial institutions, and structured finance securities. To state the obvious, because of your critical role in the capital markets, it is essential that the ratings you publish are the result of comprehensive and accurate analysis.
As you well know, we have privately, in meetings and correspondence with you, and publicly in various presentations that we have made, called into question your ratings of the bond insurance industry, in particular, the ratings for MBIA Insurance Corp. and Ambac Assurance Corp. and their holding companies.
Each of you, according to your recent public statements, is in various stages of updating your ratings of the bond insurers. Unfortunately, however, your previous ratings assessments have erred materially in their omission of certain critical analysis and the inclusion of outright errors in your work. As you conduct your most recent revisions of your analysis on the bond insurers, it is vital that you conduct a thorough assessment of all aspects of the bond insurers' business lines, their reinsurers, and investment portfolios so that the rating decisions that you ultimately publish can be relied upon by capital markets participants.
Below we highlight a number of factors that you have failed to consider in your prior assessments of the bond insurers' capital adequacy:
1) Impact of Losses Should be Measured on a Pre-tax Basis
We believe that each of you overstates the bond insurers capital cushion due to tax benefits you include in calculating the impact of RMBS and CDO losses. For instance, in S&P's recent press release update published yesterday, MBIA's losses on RMBS and CDOs are expressed as "after-tax" losses. In order, therefore, to determine the actual cash losses implied by S&P's after-tax estimate, one must gross up the reported $3.18 billion of after-tax losses. Assuming a tax rate of 38%, it appears that S&P is estimating MBIA's actual cash losses at $5.13 billion, nearly $2 billion more than the losses adjusted for tax benefits.
Insurance claims must be paid in cash. A bond insurer is only able to obtain tax benefits if the insurer is a going concern and is able to generate sufficient taxable income in the current or future years to offset the losses from paid insurance claims. Your analysis makes the aggressive assumption that the bond insurers will remain going concerns and will therefore be able to continue to write new premiums and generate income in the future.
Based on recent industry developments – including Berkshire Hathaway's entrance into the business – it appears unlikely that MBIA, Ambac and many of the other bond insurers will be able to continue as going concerns. In a runoff scenario, we do not believe that the bond insurers will generate sufficient taxable income to offset the net operating losses generated by paid losses. While U.S. corporations can receive tax refunds by carrying back tax losses up to two calendar years, the amounts that could be refunded from carrying back losses are de minimis relative to claims payable. Even in the event the bond insurers generate taxable income in future years, it may be many years before these tax benefits can be realized, if ever, particularly in the event of corporate ownership changes caused by capital raising or stockholder turnover.
Net operating loss carryforwards are not cash and are not available to pay claims and should therefore not be deducted from losses in calculating bond insurer capital adequacy. By using after-tax loss estimates rather than pre-tax losses – the amount that will need to be paid in cash – you are understating the actual losses payable by more than 60%.
Your updated rating assessments should be adjusted to exclude tax benefits in your calculation of capital adequacy
2) Covenant Violations and Loss of Access to Liquidity Facilities
As a result of recent losses, both MBIA and Ambac have triggered covenant violations on their liquidity facilities. As a result, Ambac has lost access to $400 million of funding and MBIA to $500 million of capital. The impact of the loss of these facilities is material to the liquidity profile of the holding companies and their insurance subsidiaries and must be considered in your credit assessment.
3) Loss Estimates Must Incorporate Reinsured Exposures
Your ratings of the bond insurers are based on the bond insurers' net credit exposures. That is, you reduce their credit exposure by those exposures that have been reinsured. This is best understood by example.
As of September 30, 2007, MBIA has re-insured approximately $80 billion of par value
of its exposures. More than $42 billion of this reinsurance was purchased from Channel Re, a Bermuda- based reinsurer whose only customer is MBIA. The two most senior officers of Channel Re are former executives of MBIA. MBIA owns 17% of the company and has two representatives on Channel Re's board of directors.
On recent conference calls, Moody's and S&P have stated that they have not yet updated their ratings of the monoline reinsurers including Channel Re. Earlier this week, on January 16th, Partner Re and Renaissance Re, the majority equity owners of Channel Re, wrote off the entire value of their investments in Channel Re due to losses it has recently incurred that substantially exceed Channel Re's capital, an impairment that Channel Re's two majority owners have concluded is "other than temporary."
Despite the fact that Channel Re has negative book equity and $42 billion of MBIA's credit exposure – $21.5 billion of which is CDOs of ABS or CLO/CBOs – Moody's and S&P continue to rate the company Triple A with a stable outlook. Fitch does not rate Channel Re and apparently relies on S&P's and Moody's stale Triple A ratings in its
analysis of MBIA's capital adequacy.
Captive reinsurers whose ratings are not regularly updated offer the potential for abuse.
We believe that MBIA reinsured on a quota share basis 25% of its 2007 CDO transactions with Channel Re. As a result of Moody's and S&P not updating its ratings of Channel Re, these exposures do not appear on MBIA's list of exposures and have not been included in your calculation of MBIA's capital adequacy.
MBIA's second largest reinsurer is Ram Re which has reinsured $11 billion of par as of September 30, 2007. While the rating agencies have not updated their credit ratings of Ram Re, the market appears to have already done so. The publicly traded stock of Ram Holdings Ltd., the parent company of Ram Re, has declined 92% in the last year. The company currently trades as a penny stock with a market value of $32 million.
We believe that Ram Re is substantially undercapitalized and therefore, like Channel Re, is unlikely to be able to meet its obligations to MBIA.
We also note that MBIA reinsures Ambac, and Ambac reinsures MBIA. You must also consider the iterative impact of downgrades of one on the other with respect to both reinsurance and their respective guarantees of each other's investment portfolio assets which we discuss further below.
In your updated assessment, it is critical that you update your ratings of the bond insurers' reinsurers and reconsolidate and calculate the losses on these exposures that have been reinsured with reinsurers that are inadequately capitalized.
4) Investment Portfolios are Riskier Than They Appear
As you are well aware, the investment portfolios of the bond insurers include a substantial amount, often a majority, of bonds that are guaranteed by either the bond insurer itself or by other bond insurers. The bond insurers include these guarantees in calculating the weighted average ratings of their investment portfolios. We note that a minimum average Double A rating is a key rating agency criterion for the insurers' Triple A rating.
A guaranty to oneself is of course worthless and therefore you should exclude the bond insurers' guaranty of its own investment obligations and use the underlying ratings of these instruments in determining the portfolios' credit quality.
You should also carefully calculate the impact of a downgrade of the bonds held by one bond insurer that are guaranteed by other insurers in your calculation of capital adequacy. In light of the general distress in the industry, we believe that the rating agencies should evaluate the bond insurers' investment portfolios as considered on an underlying rating basis.
5) Commercial Mortgage Backed Securities (CMBS)
To date, you have limited your analysis to RMBS securities and other structured finance securities with exposure to RMBS (CDOs). This limited review of exposures ignores the fact that the same lending practices and flawed incentive schemes that fueled the subprime lending bubble have been very much at work in CMBS and corporate finance.
On January 17, 2008, Fitch commented that it believed that CMBS delinquencies are "likely to double, and perhaps even triple, by the end of 2008." As of September 30, 2007, MBIA had insured $43 billion net par of CMBS securities, the vast majority of which was underwritten in the past two years. Failing to consider the potential for losses in this portfolio in your calculation of capital adequacy is simply negligent.
6) Claims-Paying Resources Definition Overstates Capital Available to Pay Claims
The rating agencies have adopted the bond insurance industry's definition of capital in the form of "Claims Paying Resources" or "CPR." We believe there are significant flaws with the calculation of CPR used by the industry and the rating agencies.
First, bond insurers include the present value of future premiums discounted at extremely low discount rates ~5% in their calculation of claims paying resources. Substantially all of these premiums are from structured finance guarantees. We believe that the bond insurers and the rating agencies do not adequately consider the facts that:
(1) when structured finance obligations default, accelerate, or otherwise prepay ahead of schedule these premiums disappear,
(2) purchasers of secondary market guarantees are likely to terminate their periodic premium payments because of the deteriorating credit quality of the bond insurers,
(3) the reserves for losses on these exposures (for example 12% of premium for MBIA) have proven to be inadequate and therefore overstate the net premium income, and
(4) there is no provision for overhead, remediation, legal or other costs required for the bond insurers to run their business going forward.
There is also no mechanism whereby the bond insurers can borrow against these potential future premiums to be used to pay claims in the present day.
There is no other financial institution in the world which takes the present value of interest spread income on loans in its portfolio and adds it to its capital. For all of the above reasons, we believe that the present value of future premiums should not be included in CPR.
CPR includes the bond insurers' so-called depression lines of credit. As you well know, depression lines of credit can only be drawn to pay claims on municipal obligations and only after a substantial deductible. In that the losses are occurring primarily on structured finance obligations, these lines of credit should not be included in CPR
The Capital Base included in CPR is also likely to be overstated because the investment assets of the bond insurers consist primarily of bond insurer guaranteed obligations that are valued inclusive of the guarantee, when they should be valued on an unwrapped basis. The high degree of balance sheet leverage for certain bond insurers means that small changes in the values of these portfolios have a large impact on the bond insurers' capital base.
You should adjust your estimate of CPR for each insurer to reflect the above factors in order to accurately establish the capital available to pay claims.
7) MBIA's $1 Billion Surplus Note Issuance
Last Friday, MBIA priced an offering of surplus notes at par with a 14% yield. Within one week the notes traded down to the mid-70s and have a yield to call of more than 20%. Previous to their pricing, the notes were rated by Moody's and S&P at Double A.
The MBIA surplus note issuance is perhaps the clearest example of the failure of the rating agencies to accurately assess the creditworthiness of a bond insurer. MBIA is still rated Triple A by all three raters. The notes received a Double A rating because of their subordination to the other obligations of MBIA Insurance Corporation. That said, how can a billion dollars of Double A rated obligations sell in a cash transaction between sophisticated parties at a 14% yield, and then trade to yield of 20% or more — a rate consistent with a Triple C or near-to-default obligation?
Bank of America 5 ¾% bonds due 2017, obligations of a financial institution that is also rated Double A, closed today at 5.55% yield, a more than 15 percentage point lower rate than the MBIA surplus notes. This is prima facie evidence that your ratings of MBIA are overstated.
8) Billions of MBIA's CDO Exposure Require Payment on Default
You have stated that bond insurers have no accelerating CDO guarantees and that all of their contracts are structured as "pay-as-you-go." I quote S&P from a paragraph entitled, "Time is On Their Side," in their December 19, 2007 report: "Detailed Results of Subprime Stress Test of Financial Guarantors."
"As for swap exposure, except for ACA there are no collateral posting requirements and swaps are written in pay-as-you-go format."
On January 9, 2008, MBIA filed a copy of a powerpoint presentation which was used in the Surplus Notes offering road show. On page 8, MBIA states that $8.1 billion of its Multi-sector CDOs require payment with "Credit events as they occur."
The liquidity demands of accelerating CDO exposure create extreme liquidity risk and must be considered in the context of the bond insurer ratings. We encourage you to examine all of the bond insurers CDS/CDO exposure to determine the amount of exposure that is not pay-as-you-go, but rather accelerates, and consider the liquidity demands of such exposures in your rating assessments.
9) Holding Company Liquidity Risk
In light of recent events, we believe it is likely that most bond insurers will be prevented from upstreaming dividends to their holding companies as a result of regulatory intervention, as regulators work to preserve capital for policyholders.
Most bond insurer holding companies have limited cash, have lost or will lose access to liquidity facilities, and have substantial cash needs for interest payments, operating expenses, and dividends (for so long as they continue to be paid). In addition, bond insurers with substantial investment management or swap operations have additional liquidity needs in the event of a downgrade.
We believe that both MBIA and Ambac have substantial collateral posting obligations in the event of a holding company downgrade. For example, MBIA has $45 billion of derivative obligations at the holding company that relate to currency, interest-rate, and credit default swaps that the holding company has entered into. The combination of volatility in each of these markets and the increased collateral demands required in holding company downgrade scenarios will put a severe strain on holding company
The bond insurers' muni-GIC business is also a large potential liquidity strain as municipalities withdraw funds from these GIC programs, assets must be liquidated, and/or collateral must be posted. Various MTM programs also create liquidity risk as assets may have to be sold to meet redeeming bondholders. The liquidity risks of these programs and the underlying assets should be carefully examined.
ACA's immolation is but one example of what happens to a once-investment grade bond insurer which, if downgraded, is required to post collateral.
In addition, as a result of shareholder, bondholder, and/or surplus noteholder litigation, we expect holding company legal expenses and eventual litigation claims to rise substantially. Because the holding companies typically provide indemnities for employees and directors, we would expect that directors would be loathe to allow liquidity to leave the holding company estate, depriving directors and employees of the resources to protect themselves from claims. In these circumstances, we would expect companies to seek bankruptcy as a means to protect the allocation of value among various stakeholders.
10) MBIA - Warburg Pincus Transaction
You have assumed in your analysis that the Warburg Pincus deal and follow-on rights offering are certainties even though neither transaction has closed. While Warburg has made affirmative statements about the transaction, both publicly as well as privately, to surplus note buyers and the media, we believe there continues to be transaction closure risk for both the initial stock purchase and future rights offering, with the rights offering having greater uncertainty.
You have also assumed that 100% of the $1 billion Warburg deal will be downstreamed to the insurance subsidiaries and this, too, is not a certainty. You should receive assurances from MBIA and require it to contribute the full billion dollars to its insurance subsidiaries before you include the funds in calculating insurance company capital.
With the collapse in MBIA's stock price and today's downgrade of Ambac, we believe it will be difficult for MBIA to execute the rights offering, particularly before the March 31st, 2008 drop dead date. With the stock at $8.55 per share and the market aware that the $500 million in rights offering proceeds is insufficient to adequately capitalize the company, it will be difficult to set a market-clearing price. Assuming for a moment the price is set at $5.00 per share, the company would have to issue 100 million shares and may sell control to Warburg at a discount in the event shareholders elect not to participate. We believe a shareholder vote and approved registration statement will likely be required in such a circumstance, delaying the ability to consummate the transaction beyond the March 31st Warburg backstop drop dead date.
11) Future Business Prospects and Franchise Value Have Been Irreparably
Following the dramatic decline in share prices, widening of credit protection spreads, dismal performance of the high yield surplus note issuance, and recognition of multibillion dollar losses in a supposed "no-loss" business, the ability of bond insurers to market their "AAA" seal of approval has been permanently undermined. As uncertainty has grown, municipalities have raised capital without insurance and found that they can borrow at attractive rates as compared to historical insured bond issuances.
The entrance of Berkshire Hathaway is a devastating competitive reality that will capture the lion's share of an already shrinking market for municipal bond insurance. While some commentators have suggested that this might create a pricing umbrella that will benefit the existing bond insurers, this is demonstrably false. Because Berkshire Hathaway already possesses a real Triple A rating, the bonds that are wrapped with its guarantee will trade with a tighter spread when compared to a bond insured by a traditional bond insurer, even one without legacy structured finance exposure.
Consequently, Berkshire will be able to charge higher premiums than the other monolines by taking a higher percentage of the spread (perhaps as much as 80% or more) that is saved through the use of insurance, and still provide the issuer with an overall lower cost of borrowing that if they bought insurance from a traditional monoline. As such, we believe that Berkshire Hathaway will likely quickly reach an 80%-90% market share of municipal bond insurance.
12) Going Concern Opinion
In light of all of the above and other current developments, we believe it will be difficult for MBIA, Ambac, and certain other bond insurers to obtain going concern opinions from their auditors. You should consider the likelihood of the insurers' obtaining clean opinions and the implications if they do not in your rating assessments.
Lastly I encourage you to ask yourself the following question while looking at your image in the mirror:
Does a company deserve your highest Triple A rating whose stock price has declined 90%, has cut its dividend, is scrambling to raise capital, completed a partial financing at 14% interest (now trading at a 20% yield one week later), has incurred losses massively in excess of its promised zero-loss expectations wiping out more than half of book value, with Berkshire Hathaway as a new competitor, having lost access to its only liquidity facility, and having concealed material information from the marketplace?
Can this possibly make sense?
Please call me if you have any questions about the above. As usual, I will make myself available at your convenience.
William A. Ackman
Disclosure ("none" means no position): None
Visit the ValuePlays Bookstore for Great Investing Books


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MD Coder: Physician - Neurosurgery 5.05
MD Coder: Physician - Neurosurgery Publisher's Description
- Updated codes for 2005!!!!
- Categorized, Cross-Referenced CPT and ICD Codes
- Create customizable E&M ICD-9 lists on the PC and synchronize them to one or more handhelds
- An enhanced patient display that supports 100+ on-device patients, faster performance, and increased font size
- Comprehensive Patient Tracking
- Intuitive Interface
- Data Synchronization and Enhanced Reporting from a PC
- An all new graphical interface with support for color devices
- The ability to build customized Favorite Lists with your CPT and ICD codes
- Quickly add any existing CPT or ICD code on the handheld to your Favorite List
- Ability to customize the look of your patient list
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- Full integration with E&M DocuMentor (MD Coder: Physician Plus only)
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- 20 specialty databases to choose from! (custom databases available)
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MD Coder 5.0.5: Physician captures and sort specific information about patients quickly and easily at the point of care. Each patient can have the following information tracked:
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Referring Physician
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Intuitive Interface
Fast. Easy. Intuitive. You'll never find too many buttons; you'll never get lost. We understand that physicians are extremely busy and your time is precious. We've made our application easy to use, easy enough that many don't need the included documentation.
Data entry for MD Coder has never been easier with drill down menus, editable popup lists, large, clear, graphic buttons, and easy-to-find CPT codes. When you highlight a CPT or an ICD-9 code the full description will appear. MD Coder uses a categorized hierarchy of drill down menus organized by your peers. Using this fast indexing system, MD Coder will let you drill down multiple levels to the CPT code you need in the blink of any eye.
Categorized/Cross Referenced
MD Coder's most innovative feature is in the way we categorize and organize the CPT and ICD-9 codes. Designed by physicians for physicians, MD Coder's specialty databases are organized and updated by your peers. Use our innovative drill-down interface to find any one of hundreds or thousands of categorized CPT codes you're looking for in just a few screen taps. The CPT codes are then cross-referenced to the appropriate ICD codes for billing.
All codes have full descriptions and can be tied directly to the patient you are coding against. Once done, synchronize and you'll find your updated demographic information and procedure data on the PC. Don't see a code you need? Add it. MD Coder 5.0.5 now sports completely customizable CPT and ICD lists through the use of Favorite Lists.
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Information gathered on the Palm and synchronized to the PC can be printed with MD Coder's reporting functionality. Having won awards and endorsements for design, ease of use, and functionality, MDT has developed the new standard for coding. You'll find your experience with MD Coder to be one-of-a-kind.
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Rumors are that the has been a shooting near N.W.A. movie set. The cast and crew of the N.W.A. biopic Straight Outta Compton are getting back to work after gunfire broke out right next to their film set.
Apparently, the shooter wasn't targeting the crew, but was shooting at someone nearby who reportedly flashed gang signs at the car. A person not involved in the filming was hit, but survived their injuries.
According to TMZ, filmmakers were on location at the Compton Courthouse last week when someone fired shots from a passing vehicle. Police are looking into the shooting. Straight Outta Compton will continue filming this week in another part of town.


text:
Alternate Names
Cerebrovascular disease - discharge; CVA - discharge; Cerebral infarction - discharge; Cerebral hemorrhage - discharge; Ischemic stroke - discharge; Stroke - ischemic - discharge; Stroke secondary to atrial fibrillation - discharge; Cardioembolic stroke - discharge; Brain bleeding - discharge; Brain hemorrhage - discharge; Stroke - hemorrhagic - discharge; Hemorrhagic cerebrovascular disease - discharge; Cerebrovascular accident - discharge
When You Were in the Hospital
You or your loved one was in the hospital after having a stroke. Stroke happens when blood flow to part ofthe brain stops.
First, you or your loved one received treatment to prevent any further damage to the brain, and to help the heart, lungs, and other important parts of your body.
After you were stable, doctors did testing and treatment to help with recovery from the stroke and prevention of a future stroke. You may have stayed in special units that help people to recover after a stroke.
What to Expect at Home
Because of possible injury to the brain from the stroke, you may notice problems with:
- Changes in behavior
- Doing easy tasks
- Memory
- Moving one side of the body
- Muscle spasms
- Paying attention
- Sensation or awareness of one part of the body
- Swallowing
- Talking or understanding others
- Thinking
- Seeing to one side (hemianopia)
You may need help with many daily activities you used to do alone before the stroke.
Depression after stroke is fairly common as you or your loved one learns to live with the changes. It may develop soon after stroke, but symptoms of depression may not be present for up to 2 years after the stroke.
Do not drive your car without your doctors permission.
Moving Around
Moving around and doing normal tasks may be hard after you or your loved one have a stroke.
Make sure your home is safe. Ask your doctor, therapist, or nurse about making changes in the home to make it easier to do everyday activities.
Learn to make your home safer if your loved one has
Family and caregivers may need to help with:
- Exercises to keep your elbows, shoulders, and other joints loose
- Watching for joint tightening (contractures)
- Making sure splints are used in the correct way
- Making sure arms and legs are in a good position when sitting or lying
If you or your loved one is using a wheelchair, follow-up visits to make sure it fits well are important to prevent skin ulcers.
- Check every day for pressure sores at the heels, ankles, knees, hips, tailbone, and elbows.
- Change positions in the wheelchair several times per hour during the day to prevent pressure ulcers.
- If you have problems with
spasticity, learn about what makes it worse. You or your caregiver can learn exercise to keep your muscles lose.
- Learn how to
prevent pressure ulcers.
Thinking and Speaking
Tips for making clothing easier to put on and take off are:
- Do not provide too many choices.
- Velcro is much easier than buttons and zippers. All buttons and zippers should be in the front of a piece of clothing.
- Use pullover clothes and slip-on shoes.
People who have had a stroke may have speech or language problems. Tips for talking with your loved one are:
- Keep distractions and noise down. Move to a quieter room.
- Give the person plenty of time to answer. After a stroke, it will take them longer to process what has been said.
- Use simple words and sentences, speaking slowly. Keep your voice lower. Repeat if needed. Use familiar names and places. Tell them when you are going to change the subject. Do not yell or shout.
- Make eye contact before touching or speaking if possible.
- Ask questions in a manner that they can be answered with a yes or no. When possible, give clear choices. Use props or visual prompts when possible. Do not give too many options.
When giving someone instructions after a stroke:
- Break down instructions into small and simple steps.
- Allow time for them to be understood.
Try using other ways of communicating:
- You may be able to use pointing or hand gestures or drawings.
- It may help the person with aphasia and their caregivers to make a book with pictures or words about common topics or people so that they can communicate better.
Bowel Care
Nerves that help your bowels work smoothly can be damaged after a stroke. Have a routine. Once you find a
- Pick a regular time, such as after a meal or a warm bath, to try to have a bowel movement.
- Be patient. It may take 15 to 45 minutes to have bowel movements.
- Try gently rubbing your stomach to help stool move through your colon.
Avoid constipation:
- Drink more fluids.
- Stay active or become more active.
- Eat a diet with lots of fiber.
Ask your doctor about medicines you, or your loved one, are taking that may cause constipation (such as some medicines for depression, pain, bladder control, and muscle spasms).
Have all of your prescriptions filled before you go home. It is very important that you take your drugs the way your doctor or nurse told you to. Do not take any other drugs, supplements, vitamins, or herbs without asking your doctor about them first.
You may be given one or more of the following drugs. These drugs are meant to control your blood pressure or cholesterol, or keeping your blood from clotting. They may help prevent another stroke:
- Antiplatelet drugs (aspirin or Clopidogrel) help keep your blood from clotting.
- Beta blockers or ACE inhibitor medicines may help protect your heart.
- Diuretics (or water pills), ACE inhibitors, Beta-blockers, and other medications will help control blood pressure.
- Statins or other drugs that lower your cholesterol.
- If you have diabetes, control your blood sugar at the level your doctor or nurse recommends.
Do not just stop taking any of these drugs, as well as drugs for your diabetes, high blood pressure, or any other medical problems you may have.
If you are taking a blood thinner, such as warfarin (Coumadin), you may need to have extra blood tests.
Staying Healthy
If you have problems with swallowing, you must learn to follow a special diet that makes eating safer. Ask your doctor what the signs of swallowing problems are. Learn tips to make feeding and swallowing easier and safer.
Learn more about what you should eat to make your heart and blood vessels healthier.
- Avoid salty and fatty foods.
- Stay away from fast food restaurants
Try to limit how much alcohol you drink. Ask your doctor when you may start. Even if you are allowed to drink, limit yourself -- women may have one drink a day and men may have two drinks a day.
Keep up to date with your vaccinations. Get a flu shot every year. Ask your doctor if you need a pneumonia shot.
Do not smoke cigarettes. Ask your doctor for help quitting if you need to. Do not let anybody smoke in your home.
Try to stay away from stressful situations. If you feel stressed all the time or feel very sad and blue, talk with your doctor or nurse.
Many patients who have had a stroke feel sad or depressed at times. Talk to friends or family about this. Ask your doctor about seeing a professional to help you with these feelings.
When to Call the Doctor
Call your doctor if you have:
- Problems taking drugs for muscle spasms
- Problems moving your joints (joint contracture)
- Problems moving around or getting out of your bed or chair
- Skin sores or redness
- Pain that is becoming worse
- Recent falls
- Choking or coughing when eating
- Signs of a bladder infection (fever, burning when you urinate, or frequent urination)
Call 911 if the following symptoms develop suddenly or are new:
- Numbness or weakness of the face, arm, or leg
- Blurry or decreased vision
- Not able to speak or understand
- Dizziness, loss of balance, or falling
- Severe headache
Furie KL, Kasner SE, Adams RJ, Albers GW, Bush RL, Fagan SC, et al. Guidelines for the prevention of stroke in patients with stroke or transient ischemic attack: a guideline for healthcare professionals from the American Heart Association/American Stroke Association. Stroke. 2011 Jan;42(1):227-76. Epub 2010 Oct 21.
Legg L, Drummond A, Leonardi-Bee J, Gladman JR, Corr S, Donkervoort M, et al. Occupational therapy for patients with problems in personal activities of daily living after stroke: systematic review of randomised trials. BMJ. 2007 Nov 3;335(7626):922. Epub 2007 Sep 27.
Review Date:
Reviewed By:
Luc Jasmin, MD, PhD, Department of Neurosurgery at Cedars-Sinai Medical Center, Los Angeles, and Department of Anatomy at UCSF, San Francisco, CA. Review provided by VeriMed Healthcare Network. Also reviewed by David Zieve, MD, MHA, Medical Director, A.D.A.M. Health Solutions, Inc.


text:
Nike Golf signs two young Chinese players to endorsement deals
It's not on the level of signing Tiger Woods or Rory McIlroy, but Nike Golf has taken a potentially big step in the world of golf sponsorships. The company announced Monday that it has signed its first head-to-toe endorsement deals with two players from China who aren't yet known around the globe.
Hao-Tong Li, age 18, and Xin-Jun Zhang, 26, have signed multi-year agreements and will represent the Swoosh in clubs, ball, footwear, glove, apparel, headwear and accessories.
Li, from the Hunan Province, turned professional in 2011 at age 16. As an amateur, he won nine gold medals and six silver medals in the Asian Games in various cities in China. Before turning pro, he tied for 21st in the 2011 Nanshan Masters on the OneAsia Tour, and was named Best Amateur Player.
He also represented the Chinese National Team as an amateur in 2010 and 2011. More recently, he tied for 39th in this 2012 Australian PGA Championship and tied for fifth in the 2013 New Zealand PGA Championship on the PGA Tour of AustralAsia. He has won $6,664 by making two cuts in five starts on the 2013 OneAsia Tour.
From the Shanxi Province, Zhang turned professional in 2010 at 23. In 2007, he was selected to the Chinese National Team for several international tournaments. He won two gold medals and one silver medal in Chinese Professional Tournaments in 2011 and 2012. He also tied for 13th in the 2011 HSBC Champions in Shanghai, an event won by Martin Kaymer.
''We are excited to welcome these two young and talented athletes to the Nike Golf family,'' said Mark Thaxton, Global Director of Sports Marketing Operations at Nike Golf. ''Hao-Tong and Xin-Jun are our first head-to-toe athletes in China and they will make great additions to our stable of athletes at a global level.''
Nike's siging of these two players reminds me a bit of Major League Baseball teams signing amateur teenagers from the Dominican Republic or Taiwan in that you're often betting on potential. But it seems more likely every year that the next wave of raising golf stars will emerge from Asia, and these deals help Nike show those young players that the Swoosh is serious about helping to cultivate their talent. And signing a couple of the higher-profile players in China sure can help Nike broaden its exposure over there.
And speaking of young Chinese golfers, Guan Tianlang remains an amateur unbeholden to any specific equipment company. During his foray in the United States this year, he's been playing a TaylorMade R1 driver, a Callaway X Hot 3-wood and two X Hot hybrids, Nike Pro combo irons, Scratch wedges, an Odyssey White Hot Pro #7 putter, and a Callaway HEX Black ball.
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Kohler, Wisconsin


text:
Gaynor Owen
Gaynor Owen started dancing at the age of 6 years and at 11 years old began to study seriously as a junior student at the Hammond School, Chester.
When she was 16 she became a full time student at the Hammond. After graduation she reached the required standards for Fellowship of the ISTD in Ballet, Modern and Tap Branches (now Faculties).
Following a short and successful theatrical career, she turned to her real vocation and established herself as a teacher in 1956, teaching at various venues in the North West of England and North Wales. The main school, Merseyside Dance Centre, in Birkenhead, grew to take in full time students, and meanwhile Miss Owen was invited to become a Modern and Ballet examiner with the ISTD in 1975.
In 1983, the College, Merseyside Dance & Drama Centre, opened in Liverpool City centre, having outgrown the Birkenhead premises. Currently, the college has between 85-100 full time students. Graduates are performing and teaching worldwide.
The Liverpool area always had a good following for ISTD work, but since the death of Miss Sheilagh Elliot Clarke, there had been no courses held. In 1973, Peter Pearson suggested that Miss Owen become organiser for ISTD courses in the area and a short Congress was arranged as a 'try out'. This was very well attended, as all courses have been up to the present day. Manchester congresses have been very popular and 3 have been held to date in July 1994, October 1995 and October 1998.
Miss Owen is now firmly established as Principal of a recognised centre of dance excellence and is now a major international examiner and member of the ISTD Modern Theatre Faculty Committee. She is also a member of Faculty Link.


text:
Breakfast held for Maine veterans
High school cadets hold breakfast
Breakfast held for Maine veterans
High school cadets hold breakfast
LEWISTON, Maine —
Events and ceremonies are being held across the state honoring those who fought for our country.
In Lewiston Monday morning, high school army cadets served veterans breakfast at the high school.
While we were there, a handful of veterans enjoyed their meal and visited with others.
Some said they look forward to these types of events.
"(We come) just to meet the people we once knew and still know. Get to know them again. We don't see them very often. And a free meal. Let's not forget the free meal," Veteran Robert Vallee told News 8.
Newly re-elected Rep. Mike Michaud also stopped by for a visit.


text:
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Friday, June 17th 2011, 6:52pm
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text:
Sunday, 23 January 2011
free rapunzel!
i started a campaign to free rapunzel from her tower.
i braided wool.. plait by plait... up to her window.
but when i reached the top and peeked in,
she was asleep... and with a little white cat on her lap.
she looked so peaceful and content,
that i climbed back down and left her there.
free rapunzel! hat knitting pattern: ♥ buy now
bo peep scarf knitting pattern: ♥ buy now
41 comments:
- Valerianna said...
Definitely best to leave her alone if she was asleep with a little cat on her lap. I love the hat, though I can imagine I would be constantly fielding swats from Pasha cat whenever I bent over to do anything!
This morning when I awoke, my owl was settling in her tree. She was all puffed up due to the very cold temperature (I think it was only 5 degrees!) and looked quite large. She was just getting settled close to the trunk, looking ready for a long snooze when a couple blue-jays started outing her. She looked very annoyed and eventually flew off into the forest - a beautiful sight to see.... I hope she found another sunny branch for her day-snooze!
- 23 January 2011 at 09:08
- Morgiss said...
lovely bow ;o)
- 23 January 2011 at 09:09
- Valerianna said...
I just went to your Etsy shop out of curiosity... don;t knit... Those little needle storing houses are really amazing! I love them, very cute and very clever!
- 23 January 2011 at 09:13
Oh my word this hat is absolutely adorable! x
- 23 January 2011 at 09:36
- Malin said...
I really like your hairstyle in the last pictures. And the gigant rosette:)
- 23 January 2011 at 10:18
- Alexandra said...
OOOOh, what a super dooper great idea those braids!!! You always have cool ideas and ethereal pciturezzzzz!
I <3 you !!
Brown still suits you and your hair are grooowing!!
- 23 January 2011 at 10:35
- Samantha said...
You are so creative. This story is perfect. I wish I could knit things so easily.
- 23 January 2011 at 12:28
- Fleur said...
i really love the things you make. they are always so magical!! you inspire me very very much and i want to thank you for that.
your music inspires me too, it's all so lovely!
- 23 January 2011 at 12:44
- faerie finder said...
thank you thank you thank you lovely hearts!!!
i can feel all of your positive energy
and it makes me happy on a cold day.
i shall have a cup of tea now
and be thankful for all of your ♥ 's
xoxoxo very thankful!
- 23 January 2011 at 15:39
- Lyndall said...
I love all of your patterns, and this one is just darling! It makes me want to learn to knit (crochet is fun, but just not quite the same...).
Sleeping with cats-in-laps is a wonderful way to be :)
- 23 January 2011 at 18:30
- angii said...
adorable! you are so cute
the bow scarf is a darling~
- 23 January 2011 at 19:25
- Linda said...
Such gorgeous knits, If I wasn't such an old fogie I would be wearing them all!
- 24 January 2011 at 10:31
- Cait O'Connor said...
I may have said this before but your cat is my cat's double.
- 24 January 2011 at 10:35
Fun Hat! The yarn looks so tactile and earthy as if it would blend into nature! Also your little Robin wrist warmers are the ones I want to knit!
You remind me so much of another artist and her blog that I am so fond of and find inspirational.... http://windling.typepad.com/blog/
Do you know of her?
- 25 January 2011 at 01:54
- mirsini's creations said...
I looooove your handmade work faerie founder! I hope someday i will knit like you! Your blog is wonderful! Very happy I found another faerie creature's blog!
- 25 January 2011 at 12:56
- mirsini's creations said...
Oh! I forgot! Your cats are so beautiful! I have a white cat too! In fact, I have 4 lovely cats all different colours, two of them are brothers and the other two are like brothers! All together are craziness! Bye bye now faerie founder! :)
- 25 January 2011 at 13:11
- Such a Wondrous Place this Faery Space said...
I must say, do you know the wondrous story, "The Girl With No Hands," by the Brothers' Grimm of the calm, selfless, precious heart, who walks through the story with such strength and tenderness? It reminds me of your last photo here where your arms are tucked neatly behind you. The heroine is such a knowing angel of what it is to not be attached to material items and to live free and good. I must say it is a good one. Well, with that little tid bit said, I must tell you that your darling little reds for the chilly hands make me sing, poorly, I will add, but truly. hee hee. I hope the coziness of this hug I send right now reaches you and your beloveds for it is so snowy and damp today and though I love it, hugs are in order for all those that might have a chill. Well, Nate is waking... soft murmurs, I hear. Off to cuddle. Blessings friend and light one.
- 27 January 2011 at 12:09
- Le garçon avec les lunettes, said...
So adorable immages!!!
- 28 January 2011 at 16:43
- Such a Wondrous Place this Faery Space said...
Just came by to sprinkle faery wishes for you and listen to your ghosty ship song, as little Nate calls it. Blessings dear to you and yours, snuggles.
- 29 January 2011 at 11:49
- coco said...
Fantastic , every things are beautiful , you and your creations I love your blog, thanks a lot.
- 29 January 2011 at 17:10
- Jess said...
Ahhh I love this! Just saw that movie with my little girl last night and am so hair-minded right now! Thank you for posting this gorgeous item! ~Jess
- 29 January 2011 at 19:12
- mckenzie. said...
you are so beautiful, so inspiring! i love the top, and the hat, too. gorgeous as usual, dear. x
- 30 January 2011 at 16:13
- Anita Skjervik said...
You have an adorable and beautiful inspiering blog. Love the rapunzel hat :)
- 31 January 2011 at 12:32
- Lily said...
Hiiya,,! I'm new to Blogspot, sortof! Your blog is so dreamy,, <3 X
- 3 February 2011 at 16:06
- Naomi said...
aw so pretty! Can I come and live at your house?
- 5 February 2011 at 17:29
- Comme un poisson dans l'O said...
Very, very nice and this color so beautifull.
A little french!!
- 9 February 2011 at 10:18
- herecomesthesun said...
Your cat is too sweet! Nawww <3
- 9 February 2011 at 16:18
- Carrie at In the Hammock Blog said...
wow, free rapunzel is amazing!! what a great idea!
- 9 February 2011 at 22:50
- Aurélie said...
I've been a fan for years.... But never left a message. I'm so impressed by your latest patterns, I thought I should come by and say "bonjour"...
All I'm waiting for is a "tinyowlknits" pattern book. That would be delightful!
- 14 February 2011 at 07:12
- Mandy Saile of Bijou's Whimsy said...
Okay most definately one of thee best knitted hats ever. Are you the model as well? if so your very beautiful....your life looks so cozy and enchanted, thanks for sharing.
- 14 February 2011 at 11:13
- *✿*millie meadowsweet*✿* said...
warmest Valentines hugs for you sweet fairy and each of your pretty white cats xxx
- 14 February 2011 at 17:14
- Jazzy E (hivennn) said...
SO lovely. x hivennn
- 18 February 2011 at 07:21
- Christina said...
These are so lovely! Especially the bow scarf! I may try to make something like that myself!
I've been following your blog for a lot of time but hadn't notice that you have an etsy store,with so many beautiful things!!
I think I'm going to make a post about them,I'll let you know!
uh,now I have "Owl in the dark" stuck in my head! :)
- 18 February 2011 at 13:06
- wide-eyed said...
Very talented! Wonderful blog!
- 20 February 2011 at 04:18
- sunshine said...
just found your blog through ravelry and i am amazed you are such an inspiration!
i'd like to follow you here on blogger.
- 20 February 2011 at 10:59
- Candice said...
I've just found your blog and . . . .ohhh, what fun! I've downloaded a few of your patterns, but can't find the kitten wrist-ettes. Am I not looking hard enough? Please, pleas , please keep blogging. You are a joy.
- 21 February 2011 at 11:10
- Candice said...
Hmmm . . . the site wouldn't print my last comment. It was clean! Anyway, I've just found your blog and it is so much fun to read. Keep blogging.
Do you have a pattern for the kitten wrist-ees?
- 21 February 2011 at 12:39
- faerie finder said...
thanks everyone :)
hi candice yup you can find my meow mitt pattern
on etsy ;)
happy knits! xoxox
- 21 February 2011 at 14:48
- Candice said...
Thanks for the direction. I've downloaded them.
I just read of you chance meeting with Paul McCartney. Lucky you! I saw him in concert last August for the first time since 1966. (yep, 1966) He is very special. I honestly don't know if I'd find my voice if he spoke to me. You're brave.
- 21 February 2011 at 17:58
- Such a Wondrous Place this Faery Space said...
Just came by this morning for a little of the redemption song... so lovely on a wintery morn. Blessings, Amy
- 26 February 2011 at 07:33
This makes me WISH I could knit =) SO gorgeous x
- 3 March 2011 at 18:41


text:
Five members of the University of Maryland Baltimore County women's lacrosse team have been suspended indefinitely for writing text messages that threatened freshmen on the squad, the school's athletic director said Monday.
UMBC athletic director Tim Hall said the messages were written in GroupMe, which claims to be "a private chat room for your small group."
Hall did not discuss specifics of the texts in an interview Monday, but he said the school has taken steps to protect the team's freshmen. In addition to suspending the five players, the squad has been practicing recently without any contact drills.
"This type of behavior and language from any student...


text:
SnY-Skiils Guru Saturday 06/11/2010, 02:13
Hey you guys I'm thinking about getting the titanium pack because I'm going to be buying the 450 credits and I want to know if the titanium pack is worth it, and if it is what clans should I choose. If not what packs should I get instead?
origamimaster Senior Monday 05/11/2012, 15:52
There aren't any charizards on the market right now!
So unfair!
LB_Abnormal Titan Monday 05/11/2012, 16:40
One time I saw a thread necrod. The thread had been cr'd ages ago. It was better left cr.