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Legal Agreement Cover Letter
Agreement letters can vary in content and length depending on which type of position is being offered. It's important that the agreement letter details clear employment specifics, and omits any vague language. Read the tips below and check out the agreement letter samples for reference.
Be extremely detailed: Remember, this is a legal, binding agreement. If crucial details are omitted, there can be legal consequences in the future. It's a good idea to include dates, financial details, pertinent job functions and expectations, and penalties or consequences for not achieving these expectations.
Use appropriate language: Like a formal business letter, an agreement letter should use proper grammar and avoid slang. You're probably excited (as you should be), but a job prospect is no excuse to slack on your writing skills.
Be as succinct as possible: Your reader has lots of work to do too. If you write too much, finer points may slip through the cracks. Read your agreement letter out loud, and eliminate any superfluous words and phrases.
Double check with a lawyer: Writing a straightforward, legally binding agreement is an important job. The legal requirements vary from state to state. It's always a good idea to have any legal document reviewed by an attorney prior to being mailed.
Sample Engagement Letters and Fee Agreements
By P. A. Henrichsen
Editor's Note: Every first-year law student learns the essentials of contract law—an offer, acceptance of the offer, a lawful object, and consideration. By the time many law school graduates are out in practice, the essentials about a meeting of the minds, mutual consideration, performance, and delivery vaporize amid the everyday exigencies of day-to-day practice. Between marketing a practice, memorizing the latest amendment to the Federal Rules of Evidence, and going to trial, a vital step must be taken between lawyer and client, and that's the engagement letter and fee agreement. The agreement memorializes the terms of hire.
What is an engagement letter? It's a document directed to the client, signed by both lawyer and client, reduced to writing, setting forth the exact duties of the law firm, the lawyer, and the client. The agreement identifies what the lawyer will—and won't—do for the client. Generally created after the initial conference with the client, during which a tentative agreement has been reached, the engagement letter identifies the nature of the problem (e.g., a criminal case or personal injury matter), names the expected adverse parties, and may set forth the date of the incident to serve as a trigger for statutes of limitation. Setting the parameters of the attorney-client relationship, it can define when it begins and when it ends, what happens during the process, and even how materials received by the law firm will be stored and destroyed.
It's about the money, honey, describing how fees will be set (e.g., an hourly rate, a flat fee, a contingent fee, etc.), what other expenses will be paid, an estimate of the fees, a deposit of funds, how withdrawals from a trust account will be made, and what happens when the till runs dry. If someone other than the client has agreed to pay the fee, then a separate agreement to guarantee payment of fees is necessary. The agreement can provide how fee disputes will be settled, even providing an escape clause permitting the lawyer to withdraw if fees aren't paid.
The agreement can outline the obligations of both the client and the lawyer. The lawyer can agree to promptly return all phone calls within 24 hours, correspond on a regular basis about the progress of the case, and provide court decisions promptly. The client may agree to promptly return all phone calls, respond to all correspondence, cooperate with the lawyer, meet with the lawyer when requested, and advise the lawyer of any changes in his or her situation. Clients rarely retain lawyers for unimportant, insignificant, paltry matters, so the engagement letter should be treated with at least as much importance as that given to the purchase of an engagement ring or new car. Give the client the opportunity to think about the engagement letter overnight. Answer any additional questions the client may have. Provide a duplicate of the signed agreement to the client.
Just as important are non-engagement letters to send a clear signal to the would-be client that the lawyer isn't representing him or her. The non-engagement letter can take many forms—for situations ranging from "We've researched and examined your case, but we're declining to take it," to a conflict of interest, to "We haven't heard any more from you since the time you dropped by the office."
The disengagement letter is used when a lawyer wants to leave the relationship for some reason, mostly commonly nonpayment of fees. A letter declining further representation warns a client who's dropped from the radar that the lawyer will be closing the file unless he or she hears otherwise, and it also warns the client that deadlines may loom. When the purposes of the engagement letter have been fulfilled and the job's done, a closing letter finishes off the relationship and officially closes the file, telling the client what happened and how the files will be stored.
While there's no set format, an engagement letter should leave nothing to memory or chance. Not only invaluable protection in case of ethical complaints, it also shows the client that you take your relationship with the client seriously.
In the pages that follow, P.A. Henrichsen, a lawyer in West Des Moines, Iowa, shares his form engagement, non-engagement, disengagement, and closing letters with you. Adapt these to your practice and your clients' needs.
Dear (Name):
Pursuant to my conference of (date), I have agreed to represent you in connection with (type of matter) [or] [in which we discussed (type of problem)], and we agreed to (insert appropriate details).
At this time, I want to thank you for selecting my law firm to represent you in this matter. I also wish to set forth our agreement as to payment of my fees. My fees for legal services are $(fee rate), plus any expenses that may be incurred, such as filing fees, deposition charges, copying costs, postage, and related expenses. My office will bill you approximately monthly depending upon the amount of work that was done on your file during that period of time. At this point in the case, it is difficult to estimate the amount of time and expense that will be necessary to adequately represent you in this case. However, as we discussed, I estimate the fee will be approximately $(dollar amount). I will also advise you before undertaking any procedures that will substantially increase the amount of fees. Please remember this is an estimate and may be subject to change.
You have deposited $(dollar amount) with my firm for fees and costs. My firm will hold your funds in my Lawyers' Trust Account. I will provide you with a monthly statement of fees, costs, and expenses. After my office mails you the monthly statement, my staff will apply the funds to the fees earned, costs, and expenses incurred. You are also responsible for paying fees, costs, and expenses in excess of the funds that we hold. Should we exceed the retainer, we may bill you monthly for additional fees and expenses. Payment must be made within 30 days. We reserve the right to withdraw should these bills not be paid. Further, we may ask that additional sums be deposited in our trust account should it appear necessary to cover additional fees and expenses.
I may send you pleadings, documents, correspondence, and other information throughout the case. These copies will be your file copies. Please retain them. I will also keep the information in a file in my office, which will be my file. Please bring your copy of the file to all of our meetings so that we both have all the necessary information in front of us. When I have completed all the legal work necessary for your case, I will close my file and return original documents to you. I will then store the file for approximately (number of years) years. I will destroy the file after that period of time unless you instruct me in writing now to keep your file longer.
I have included a copy of this letter for your review, signature, and return to me in the postage-paid envelope. If any of the information in this letter is not consistent with your understanding of our agreement, please contact me before signing the letter. Otherwise, please sign the enclosed copy of this letter and return it to me.
On behalf of the firm, we are happy to represent you in this matter. If you have any questions, please contact me at your convenience.
Very truly yours,
(Your name)
I have read this letter and consent to it. Furthermore, I grant and give my informed consent after (your name) has proposed the course of conduct, has communicated adequate information, and has explained all material risks of and reasonable available alternatives to the proposed course of conduct.
(Client name) Date
Dear (Name):
This letter is to confirm that I will not represent you in the (insert subject) matter. Since I am not currently representing you on any matter, we will not be able to monitor changes in the law or your circumstances that may affect the strength of your case. Neither will my law firm.
Important time limits are (could be) involved in processing your case. I urge you to contact another lawyer immediately if you wish further advice or to pursue your case for relief. Your failure to proceed promptly may result in your legal matter being forever barred by a time limit.
If you wish to have a lawyer represent you and you do not have another lawyer in mind, I suggest you call the (insert the name of your state bar Lawyer Referral Service), which maintains a list of lawyers who may be able to handle your case. Their phone number is (insert your local LRS phone number).
Thank you for contacting my law firm. I hope to be of service to you in the future.
Very truly yours,
(Your name)
Dear (Name):
You have contacted my firm and requested that I evaluate whether I will represent you in a claim you wish to make against (insert appropriate name(s)). I met with you yesterday and have reviewed various documents you left with me. I enclose those original documents for your file. I have retained photocopies for my file.
I am unable to represent you in this matter at this time. However, if you have a need in the future for legal assistance, I hope you will consider my firm. I appreciate being given the opportunity to review this matter.
The passage of time may bar you from pursuing whatever, if any, claim you may have against (insert appropriate name(s)). Because time is always important, and could be critically short in your case, I recommend that you immediately contact another attorney for assistance if you wish to pursue your claim. If you do not have another attorney in mind, I suggest you call the (insert the name of your state bar Lawyer Referral Service), which maintains a list of lawyers who may be able to handle your case. Their phone number is (insert your local LRS phone number).
In declining to undertake this matter, I am not expressing an opinion on whether you will prevail if a complaint is filed. I encourage you to seek a second opinion if you wish to do so. You should not refrain from seeking legal assistance from another attorney because I am unable to represent you in this matter. Please contact another attorney of your choice.
I am not charging you for any legal fees or expenses on this matter and at this time. My policy is to charge for evaluating cases only when I express an opinion on the merits of the case to the client. Since I am not expressing an opinion about your case, I am not charging you.
Thank you again for the opportunity to meet with you and review your case. If you have any questions about this letter or any other issues, please contact my firm.
Very truly yours,
(Your name)
Dear (Name):
At this time, I want to thank you for consulting my law firm to discuss (insert problem).
I require that you pay $(dollar amount) before I will begin work on your case. (If applicable, explain time limits that are involved in the case and how legal rights may be jeopardized if the case is not properly pursued). When you deposit the funds, I will hold your funds in my Lawyers' Trust Account. I will provide you with a monthly statement of fees, costs, and expenses. After my staff mails you the monthly statement, I will apply the funds to fees earned, costs, and expenses incurred. You are also responsible for paying fees, costs, and expenses in excess of the funds that we hold.
At this time, I will do nothing further until I hear from you. I do not represent you on your legal matter at this time as you have not paid my retainer fee. I am happy to provide representation upon receipt of the funds referred to above.
If you have any questions, please feel free to call.
Very truly yours,
(Your name)
I have read this letter, understand, and agree with it.
(Client name) Date
Dear (Name):
Pursuant to my letter of (date), I conducted (legal research or investigation) to determine whether or not you have a claim that could be asserted against (insert appropriate name(s)). The result of my (research/investigation) indicates a strong likelihood that there is no enforceable legal basis for maintaining an action against (insert appropriate name(s)).
[Optional Paragraph: My opinion is based upon my preliminary research; however, I have found (insert number of cases) cases that support my conclusion.]
I urge you to consult another lawyer if you wish a second opinion. Time limitations may affect your right to pursue a claim, if any; therefore, you should act promptly in consulting another lawyer or otherwise pursuing your claim. If you wish another attorney to review this matter and you do not have another attorney in mind, I suggest you call the (insert the name of your state bar Lawyer Referral Service), which maintains a list of lawyers who may be able to handle your case. Their phone number is (insert your local LRS phone number).
Since I am unable to proceed on your behalf, I am returning your original documents to you. We have retained photocopies for our records.
Thank you for your interest in my firm. If you have need for legal assistance in the future, I hope you will consider my firm.
Very truly yours,
(Your name)
I have read this letter, understand, and agree with it.
(Client name) Date
THIS AGREEMENT is made and entered into this (date) day of (month, year), by and between the law firm of (your law firm name), hereinafter referred to as "law firm" and (client name(s)), hereinafter referred to as "client(s)."
WHEREAS, the law firm is a limited liability partnership of regular practicing attorneys located in (county, state) and certain members of said law firm represent Defendants in criminal proceedings, and
WHEREAS, the client(s) may be or has/have been charged in the (district, county, state) District Court with the crime of (specific offense), and
WHEREAS, the client(s) is/are desirous of hiring said law firm to prevent the filing of said charges and/or to defend him/her/them on said charges(s).
NOW, THEREFORE, the client(s) and law firm do hereby mutually agree that the law firm shall represent the Defendant in connection with the criminal matters above referred to.
Client(s) agree(s) to pay law firm a retainer fee of $(dollar amount) for representation in connection with the above set forth matters. Said retainer fee $(dollar amount) shall be paid on the (date) day of (month, year) and $(dollar amount) on the (date) day of each month thereafter until paid in full. That representation shall be provided at the rate of $(dollar amount) per hour with the retainer charged for such representation to be the retainer fee as agreed above.
Amounts paid as retainer fee shall be initially deposited in law firm's trust account, in the client's name. Client(s) agree(s) that law firm may, on the 10th and 20th day of each month, withdraw from said account and retain as fees an amount commensurate with the work performed to date by law firm on client's behalf. Client(s) will be provided with a monthly statement of said withdrawals.
Client(s) further agree(s) that in the event said retainer fee has been exhausted prior to the completion of representation that the law firm shall thereafter render a monthly bill for services rendered at the aforesaid hourly rate and that the same shall be promptly paid by client. Law firm may withdraw as counsel for client if fees are not promptly paid.
Client(s) further agree(s) to pay the law firm on a monthly basis all out-of-pocket expenses advanced by law firm on client's behalf. Said funds will not be paid from the funds in the trust account set aside for attorney's fees. Funds for out-of-pocket expenses may be established in a separate trust account for that purpose or paid promptly when billed by law firm on a monthly basis as agreed by the client(s) and the law firm. Said out-of-pocket expenses shall include but not be limited to copying costs and costs of experts, reports, records, and mileage at the IRS rate.
In the event client(s) desire(s) that law firm withdraw from legal representation or law firm withdraws from said representation and the retainer fee has not been exhausted, the law firm shall be entitled to such portion of said retainer fee as shall be commensurate with the work performed to date by law firm for client(s). Any amounts remaining shall be refunded by law firm to client.
(Your law firm name)
By: _______________________________
(Your name)
(Client name) Date
(Client name) Date
THIS AGREEMENT is made and entered into this (date) day of (month, year) by and between the law firm of (your law firm name), hereinafter referred to as "law firm" and (client name(s)), hereinafter referred to as "client(s)."
WHEREAS, the law firm is a firm of regularly practicing attorneys located in (county, state), who engage in litigation involving personal injury and property damage, and
WHEREAS, client(s) believe(s) that (s)he may have claim or cause of action for personal injury and/or property damage against (insert appropriate name(s)) or any other person, firm, or corporation that may be liable thereto resulting from an incident that occurred on the (date) day of (month, year).
WHEREAS, the client(s) is/are desirous of hiring said law firm to proceed against said Defendant(s), or some of them, or any other person's legal entities or insurers against whom a recovery might be obtained, as determined by the discretion of said law firm.
NOW, THEREFORE, the client(s) and law firm do hereby mutually agree that the law firm will proceed as it shall deem appropriate to effect a recovery for any and all personal injury and/or property damage that has been sustained by client(s).
Client(s) shall, upon the signing of this Agreement, pay to law firm the sum of $(dollar amount) that shall be applied upon account for expenses as needed, to obtain photographs, hospital reports, to secure records and documents, to pay the costs of medical examinations and reports, fees for expert witnesses, and the costs of service of notice of suit and filing of Petition. Law firm may demand from time to time, and client(s) shall pay such, additional sums as shall be necessary to pay said expenses. Any expense fund balance shall apply on law firm's fees; however, such balances so applied, unless hereinafter otherwise set forth, shall be considered in determining the percentages hereinafter referred to.
Client(s) further agree(s) that, in addition to the expenses or including the expenses referred to in the preceding paragraph, or if not otherwise paid, the client(s) will pay in advance all out-of-pocket costs of suit, including any and all costs of suit, including any and all costs as may be necessary for the opening of an Estate, Guardianship, or Conservatorship, as herein after set forth, and all out-of-pocket expenses to discover, preserve, and present evidence, to prepare for trial, and client(s) further agree(s) to pay all reasonable incidental expenses, including reasonable and necessary travel costs. Client(s) agrees(s) to pay all said fees promptly at the request of the law firm.
Client(s) and law firm further agree that, in the event of recovery, such expenses as hereinabove referred to, not already paid, shall be paid by client(s) from his/her/their share of the proceeds as hereinafter set forth.
In the event of recovery, the amount of recovery shall be used as a basis for compensation as hereinafter specified depending upon the point of time at which settlement is made. Said attorney(s) shall receive an amount equal to thirty-three and one-third percent (331/3%) of said recovery in money or property if effected by settlement made after service of notice of suit and up to the time of the beginning of the selection of the jury in said trial; an amount equal to forty percent (40%) of the recovery if made at any point between the beginning of the selection of the jury and the final decision of the jury; an amount equal to fifty percent (50%) thereafter, including Appeal to the Supreme Court of (your state) if appeal is taken thereto. Should said attorney(s) select the Federal Court or the Court of another state as a forum, then a similar or analogous schedule of compensation shall govern, with the first Court of Appellate jurisdiction to be construed as the Supreme Court.
Client(s) and law firm further agree that law firm may at its own expense employ another attorney, or attorneys, in such place or places as may appear desirable to assist in the above matter. If client(s) employ(s) another attorney, or attorneys, in this matter, such employment shall be at the client's expense and shall not affect the amount due law firm under this contract. If client(s) should settle or collect his/her/their claim himself/herself/themselves, such fact shall not affect the amount due law firm under this agreement. Client(s) agree(s) that any settlement of this claim shall be made through and at the offices of said law firm.
Client(s) and law firm further agree that, in the event the proper prosecution of this case requires proceedings in an Estate or Guardianship, the law firm herein shall in addition to the contingent fee herein agreed upon, be reasonably compensated for such services in the event of recovery as allowed by the Court and provided by law. Should there be no recovery, client(s) shall pay to the law firm such reasonable amount for opening and closing such Estate or Guardianship as allowed by the Court and as provided by law.
Client(s) and law firm further agree that all sums due herein shall be paid at the offices of (your address).
Client(s) and law firm further agree (insert as needed).
Client(s) and law firm further agree that except as may be heretofore set forth or as provided by law for the administration of assets other than this lawsuit, said attorneys shall receive no compensation for services rendered under this Agreement if there is no recovery of money and/or property.
Signed and dated at (your address) on the date first above written.
(Your law firm name)
By: _______________________________
(Your name)
(Client name) Date
(Client name) Date
Dear (Name):
This will confirm our discussion regarding (insert subject matter) on (date). I advised you (insert advice given).
At this time, you have not decided whether you wish to proceed further in this matter. I will not be representing you until you advise me that you wish to proceed and you send me the following documents: (insert needed documents) and make satisfactory arrangements for payment of expenses and my legal fees.
Please note that time limits may apply to your claim. If you wish to proceed with your claim, it is important to act immediately or you may be barred by a time limit and you will not be able to pursue any action to recover damages or other relief you have requested.
If I have not heard from you within 30 days, I will assume you do not wish to proceed and I will close my file.
Very truly yours,
(Your name)
I (We) (guarantor(s)) on this (date) day of (month, year), in consideration of law firm's representation of the above-named client (client name), pursuant to the above and foregoing written Agreement, do hereby guarantee to the law firm that all fees to be paid to law firm pursuant to said Agreement not paid by client will be paid by the undersigned in the same manner and amount as required of client in said Agreement. Undersigned acknowledges receipt of a copy of the Fee Agreement with the client and of this Agreement.
Dear (Name):
In the past, it has been my pleasure to serve you as counsel in (subject matter title). In the course of that representation, you have paid my firm $(dollar amount already paid) in legal fees and expenses. Unfortunately, contrary to our engagement agreement, you have not paid our statements in a timely matter for the past few months.
At this time, the outstanding and overdue fees and expenses total approximately $(dollar amount). My firm desires to continue our relationship but will not finance your case. Moreover, you expressly agreed that the hourly fees and expenses in this matter would be kept current.
I have continued to represent you for the past (time), even though each month the outstanding fees and expenses increased. I did so because I value our relationship and would like to continue representing you.
At this point, in my opinion, the Trial Court will permit me to withdraw. There is still sufficient time for you to retain other counsel without jeopardizing your case or adversely affecting the Court's calendar. However, if we wait several more months, it is possible that one of these conditions for withdrawal may not exist.
Your new counsel may wish to discuss this case with me. That would be to your advantage both substantively and economically. I am willing to do so as long as satisfactory arrangements are made to compensate me for the additional time and expense that will be incurred. In addition, it will be necessary to agree on a plan to gradually reduce the outstanding fees and expenses. I also have certain work product that has been generated in the past. I am willing to share it with your new counsel to the extent my legal obligations require me to do so in the absence of full payment of my fees and expenses.
I enclose a Petition for Withdrawal that I plan to file with the Court 14 days from the date of this letter. In the meantime, if you wish us to continue representing you, I would be pleased to do so if satisfactory arrangements are made to take care of the outstanding and overdue fees and expenses, as well as to take care of the future fees and expenses. I look forward to hearing from you and remain hopeful the representation can continue.
Very truly yours,
(Your name)
Client and law firm agree that any controversy or dispute regarding fees hereunder shall be resolved by the (insert district) JUDICIAL DISTRICT FEE ARBITRATION COMMITTEE and that the decision of the Committee shall be binding upon both client and law firm. It is understood by the client that in agreeing to arbitration as to all matters that may be asserted or claimed to be asserted by client against the law firm concerning fees, that client is giving up his or her right to a jury or Court trial, except for the rights of judicial confirmation, vacation, and appeal contained in the Chapter 679A of the Code of Iowa (or as appropriate for your jurisdiction).
(Your law firm name)
By: _______________________________
(Your name)
(Client name) Date
Dear (Name):
Since I have not heard from you for the past (30, 45) days, I assume you do not wish to retain me further or to proceed with this matter. For this reason, I am now closing my file and will take no further action in the matter.
You are (may be) facing some time deadlines. If you decide to proceed, you should contact another attorney immediately. If you fail to do so, your legal matter may be barred by a time limit and you will not be able to pursue any action to recover damages or other relief you have requested.
The (insert the name of your state bar Lawyer Referral Service) would be happy to assist you. Their number is (insert your local LRS phone number).
Very truly yours,
(Your name)
Dear (Name):
I wish to take this opportunity to thank you for allowing me to represent you in the (describe) matter. In order to complete this matter, I will (outline any final matters you will take care of). In addition, you will need to (outline everything the client is responsible for at this time).
[For dissolution of marriage cases, add the following: I again remind you to immediately make any beneficiary changes on your insurance and/or retirement plan benefits should you desire to do so. If your former spouse remains designated as a beneficiary, it is likely that (s)he will get the proceeds of such assets unless you designate a different beneficiary and sign the necessary forms to complete the transaction.]
Since this matter is now closed, I suggest that you keep all information relating to the matter in a safe place where you can easily locate it. I am closing my file and I am returning your original (records, documents) related to your case. As we discussed in our initial interview, my firm will store your file for (number of years) years from now. The file will then be destroyed unless you request that we store the file for a longer period of time. If you wish me to store the file for a longer period of time, you must instruct me to do so in writing within five days of the date of this letter.
We hope this matter has been concluded to your satisfaction. Thank you for allowing us to represent you in this matter. If we can be of further assistance on this or any matter, please let us know.
Very truly yours,
(Your name)
P. A. Henrichsen practices with McEnroe Law, P.C., in West Des Moines, Iowa. He can be reached at firstname.lastname@example.com. This article originally appeared as a presentation at the Iowa State Bar Association 2006 Solo and Small Firm Conference, © 2006 P. A. Henrichsen and Iowa State Bar Association. Reprinted by permission.
Copyright 2007


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Birth control pills (BCPs) are both the most effective and the most hazardous form of contraception. Preventing pregnancy in this way is done by taking an oral dose of a combination of the hormones estrogen and progestin (synthetic progesterone) in amounts higher than the body?s natural levels. This prevents the pituitary hormones that stimulate ovulation and fertilization of the egg from being released, and thus prevents pregnancy.
Though taking oral contraceptives regularly is 99 percent effective in birth control, there are many possible side effects. Weight gain, emotional swings, circulatory and vascular symptoms, and gastrointestinal upset are not uncommon. Blood clots, liver problems, and cancer are also possible, though relatively rare; these were more common in the 1960s with the higher-dose pills. Many women have difficulty with oral contraceptives, though many others seem to tolerate them well. The use of birth control pills is more common in young women and teenagers, which adds another dimension of uncertainty regarding the nutritional effects of these drugs.
Oral contraceptives may create certain nutrient deficiencies and excesses as well as increase the nutritional needs of the user. Most of the B vitamins, particularly pyridoxine (B6) and folic acid, are needed in higher amounts when birth control pills are taken. The copper level usually rises, and zinc levels often fall. Thus, more zinc is needed as well. An increased need for vitamins C, E, and K may also result from the use of birth control pills.
In Nutrition and Vitamin Therapy, Michael Lesser, M.D., points out that birth control pills cause an alkaline imbalance in the vagina that may lead to increased susceptibility to infection. Extra ascorbic acid, 1?2 grams per day, may help balance the acid environment and prevent this problem. He and other authors also suggest that the increased blood levels of copper generated by oral contraceptive use may contribute to depression and emotional symptoms; additional manganese and zinc may reverse these symptoms. Sharon DeBuren, nurse practitioner and nutritionist, adds that the depression from BCPs is also neurochemical reaction to artificial steroids (female hormones), and from a lack of a women?s own superior hormones?estradiol and natural progesterone secreted with ovulation. Iron levels may also rise, and less iron may be required because the pills often reduce the amount of menstrual blood loss, as well.
Because BCPs are metabolized by the liver before being eliminated, a diet low in other liver irritants is suggested. Alcohol, cocaine, and other drugs, pesticides and preservative chemicals in food, as well as fried foods should be avoided. Cutting down on refined foods and sugary treats is also suggested; these foods are "empty" calories and may cause further nutrient depletion. Avoiding nicotine and fried foods is also a good idea to prevent further vascular irritation. Teenage girls on "the pill" must also be particularly careful to avoid nutritional deficiencies, and all would be well advised to take a supportive nutritional supplement. Adequate intake of the antioxidant nutrients, such as vitamins C and E, selenium, and beta-carotene, can help reduce potential toxicity of oral contraceptives. The herb, milk thistle, contains silymarin and may be especially helpful.

subset: commoncrawl


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I'm on the stage of learning asp.net and using DropDownCheckBoxes in my project. Its is an assemble i downloaded from
One thing i didn't understand, when i use this control without Update Panel it works fine and gives proper result. But when i'm using an Update Panel control, it stops responding and only shows the caption, not even the outline of the dropdownlist is shown.
If any one can help me understand what the issue is or where am I going wrong?
Thank you for reading this.
0 Replies - 3547 Views - Last Post: 07 December 2012 - 10:33 PM
Problem Using DropDownCheckBoxes with Update Panel
Posted 07 December 2012 - 10:33 PM
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Good morning, everyone. I'm very honored to be here. Thank you for inviting me. Colonel Wakatake, thanks for that generous introduction. Kay— it's always good to see you. Let me also acknowledge: Generals Mike Linnington and Tom Ayres, and Colonel Greg Gadson. SFC Mark Roberts, Hugo Almaraz, Ebonie Washington, and James Fontenot—thanks for pulling all this together. Other distinguished guests, ladies and gentlemen:
I think all of us would like to know more about who we are and where we came from—how we got to today. Because we are, for the most part, a nation of immigrants—not entirely, but in the main— we are fascinated by the decisions made by our ancestors. Some of us may be original inhabitants of this rich land; others came under duress. But we are all Americans in pursuit of a dream.
In 1997, I took command of SFOR, the Peace Stabilization Force, Bosnia-Herzegovina, following the Balkans War of 1992-1995. It was not our war, but we were there to enforce the peace accords in the war's aftermath. SFOR's mission was to provide a safe and secure environment within which the fundamentals of democracy might begin to take root.
My initial task, as the new commander, was to call on the national Tri-Presidency in Sarajevo to explain my mission and what I intended to accomplish. Tri-Presidency, a Serb, a Muslim, a Croat—that word, Tri-Presidency, tells you a lot. Well, they listened patiently, even politely. And when I was done, one of them told me that they were happy that SFOR had come to Bosnia. Because of us, they felt secure again and could go about their daily activities safely. They were glad to have us there; their lives were, indeed, better. But, then, he concluded, "SFOR will leave someday, and when you do, we will go back to the way things were before you came. We cannot help ourselves. It's in our blood; it is our history—our 600 year history."
I looked at them, Presidents Krajisnik, Izetbegovic, and Zubak— three European, Caucasian males. You could not tell them apart. They looked like one another; they spoke the same language. Without their names, it would be difficult to know which one was Muslim, which one was Serb, or Croat.
I told them that I was probably the one person in all of Bosnia who wouldn't accept their explanation for why things couldn't change. "You see," I told them, "I come from a country where no one looks alike. Most, not all, but most of us are immigrants. We are not threatened by our differences. In fact, we honor them by celebrating each other's cultures"—as we are doing today. "We are Americans first, and then, whatever our cultures are, next" African-American, Asian-American, Native American, Latino-American, Pacific islander American, among others. I think they understood me, but I'm not sure they believed me. And so, I wish Izetbegovic, Krajisnik, and Zubak were here today, so they could see what I was talking about in action. What you do here today may seem modest, but this is important to our democracy.
Our immigrant heritage in this country is strong and defining. We should not forget that this country's greatness is rooted in our roots.
Our Asian-Pacific islander heritage connects us to one of the most diverse regions of the world—a unique blend of nationalities, cultures, languages, dialects, and religions. The region includes the two most populous nations, China and India. India—the largest democracy and the second largest Muslim nation, and Indonesia—the largest Muslim nation in the world. Asia-Pacific includes, as well, the most remote, sparsely populated island states in the Pacific—for one, Micronesia, where just 110,000 people inhabit over 600 islands covering an ocean expanse five times the size of France. This is our footprint, which helps to understand our stories.
Today, we are honoring the bold, the courageous, the conscientious, and the tough who immigrated from the Asia-Pacific basin, leaving behind all family, friends, and what little property they owned to seek opportunity and follow dreams in this country—for us. In this room may be some original voyagers, as well.
There are almost 20 million Americans of Asian-Pacific Islander heritage in the United States today. Asian-Pacific islander Americans have excelled in the arts, medicine, business, government, religion, sports, science and technology, as well as many other enterprises.
Our spirits have been lifted by the artistry of skaters, Michelle Kwan and Kristi Yamaguchi, and by the creativity of Yo Yo Ma on cello. Novelist Jhumpa Lahiri inspires us through his gift of words and images, and our lives have been forever changed by the pioneering genius of Yahoo's Jerry Yang.
Like other immigrants, Asian-Pacific islanders struggled initially to make their way in this new country and experienced their own share of discrimination and triumph. But they persevered, made their own mark, and won the respect of others. The importance of family, the dignity of hard work, and the value of personal honor seemed especially important principles.
I was born a Sansei—a third generation American of Japanese ancestry. My own grandparents emigrated here from Hiroshima, one of the poorest regions of Japan, and settled in Hawai'i. They came seeking a better life. As far as I can tell, they never had any plans to go back to the old country, and they never did. I have a hard time imagining today what it must have been like to sever one's ties forever this way—farewells that understood you were never going to see each other again in your lifetimes—and back then, no phones to retain contact. Even writing a letter required going to someone in the community, who was educated and could write.
My mom was orphaned at age 12, and promised she would keep the three youngest of her six siblings together—not letting them be scattered through adoption. She dropped out of elementary school before completing the eighth grade and worked a variety of jobs, as a day servant in the home of a wealthy family, a store clerk, postal clerk, and ticket seller at the local movie theater—any job that would keep the family together and financially afloat.
Married before age 18, she had her first child at age 21. Money was scarce, so she competed for one of two, full-ride, state scholarships to a beauty college—across the ocean in California. Despite her lack of education and a high school diploma, she miraculously landed one of those two scholarships—through sheer hard work, self-study, and determination. I still marvel at her spunk.
At age 22, she chose to leave her husband and year-old son for two long years to travel alone to complete her studies in California, before returning home fully licensed as a beautician and a businesswoman to open her own salon. It was 1933, and the Great Depression was on.
She used to remind me that you had to be tough in the 1930s. There was no welfare, no Social Security, no child labor laws, no Medicare like we have today. You just got out there and hustled -- took any job to start, earned your way up, made folks acknowledge your talents. There is nobility in hard work. Find it. Earn your own way. Failure, not caring for your family, going hungry were not options.
Her story could be that of millions of Americans, who worked hard to make a better life for themselves and their families. In America, my parents and countless others like them had the freedom to pursue their dreams. It is because of these freedoms that so many remarkable Japanese Americans did not hesitate to defend this country, even when their own community experienced discrimination and prejudice.
The attack on Pearl Harbor by the Imperial Navy of Japan was felt keenly by Americans of Japanese ancestry. Immediate distrust and suspicion turned into paranoia and anger, which resulted in the relocation of 120,000 Japanese, 62% of them American citizens. Many of their homes, businesses, lands, and other properties were confiscated—112,000 of them were, ultimately, re-settled in re-location camps, consisting of tar paper shacks, enclosed by barbed wire, and guarded by American soldiers. Today, these actions would be unthinkable, but fear and paranoia unbridled are powerful forces.
These citizens lost all rights of citizenship because of their ethnicity. There was little that Americans of Japanese ancestry could do to protect themselves. Because of this injustice, determined men walked the halls of Congress seeking legislative action to return to Americans of Japanese ancestry the right to bear arms to defend their country in time of war, just like every other American citizen. When the bill finally became law, the response was immediate. Out of such patriotism came the legendary Nisei units, comprised of second generation Japanese Americans, the Nisei, commanded by Caucasian officers—the 100th Infantry Battalion, the 442nd Regimental Combat Team, and the MIS, Military Intelligence Service, whose existence was kept classified until the 1970s.
The 442nd Regimental Combat Team had an authorized strength of roughly 5,000 men. We think about 14,000 men passed through her ranks during the war. Nine thousand Purple Hearts and an incredible 21 Medals of Honor were awarded to soldiers of a regiment that was only on active duty for a little over three years. It is believed to be the most decorated unit, for its size and length of service, in the entire history of the United States Army. But the point here is not 21 Medals of Honor—there were certainly many more than 21 heroes on the battlefields where the regiment fought. The point is that Asian-Pacific Islander Americans have made significant contributions and helped to write the history of this county, in both peace and war.
Twenty thousand Chinese fought for America during World War II. In New York City alone, 40 percent of the Chinese male population was inducted into the military, the vast majority into the Army.
In the western Pacific, after months of fighting, the Bataan peninsula fell on 9 April 1942. Upwards of 70,000 Americans and Filipinos, who had fought valiantly together, were thrust into what was to become the Bataan Death March—an even greater test of their courage and determination than battle had been. Some 14,000 Filipino guerrillas continued fighting unconventionally, providing critical intelligence from behind enemy lines until they were repatriated on 16 July 1945.
"Indistinguishable" from the Japanese, Korean-Americans were also discriminated against. Yet, they went forward, risking death in highly-dangerous and secret underground actions in enemy-occupied areas of Asia. In Los Angeles, 20 percent of the city's Korean population joined the National Guard to form the "Tiger Brigade"—trained to defend the Pacific coast against the very real possibility of invasion.
These brave Asian-Pacific-Islander-Americans are part of the Greatest Generation, who came home, went to school under the original GI bill, and went on to assume leadership roles in business, in education, in government, science, the arts, sports, religion, and in their communities.
The Nisei inspired me to military service. I have stood on their shoulders all my life and throughout my 38 years in uniform. I have traveled the world to see and understand why being American is different.
As a young battalion commander serving in Cold War Germany, I heard one of our senior generals declare in a 1984 Memorial Day speech: "I know that when I die, I will die a free man—on my feet, not on my knees, with my head up, not bowed". Then he pointed east and said, "and 37 miles from here, there is a people, a whole nation who cannot say that and would not really understand the fundamental importance of those words."
Well, those words stuck with me. I realized, then, that I had been taking the privilege of my American citizenship a bit for granted. You see, those words are my legacy, as well. "I know when I die, I will die a free man—on my feet, not on my knees, with my head up, not bowed." And those words are your legacy, as well. And because they are our legacy, our children and grandchildren inherit them from us—they are able to make the same statement unequivocally.
Only the free, who cherish freedom, and love liberty enough to fight for it, can bequeath such a legacy to others. The shackled cannot. And the free, who are not willing to fight and die for it, cannot. Only the free who cherish freedom and love liberty enough to fight for it, can bequeath freedom to others—as our ancestors did for us, and as you, in uniform, are doing today. Thank you for your service and for preserving my legacy as a free man.
God bless those who serve and have served in uniform—and God bless this wonderful country of ours.
Thank you.


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Jon M. Chu to direct G.I. Joe 3
- Bang Showbiz
- 12 June 2013
Jon M. Chu has been confirmed to direct 'G.I. Joe 3' after the success of 'G.I. Joe: Retaliation'
Jon M. Chu will direct 'G.I. Joe 3'.
The 'G.I. Joe: Retaliation' filmmaker has signed on to direct the third instalment in Paramount and MGM's action franchise, according to Deadline.
Chu is credited with the success of the second 'G.I. Joe' film, which starred Dwayne 'The Rock' Johnson and Bruce Willis, and topped the US box office chart earlier this year.
After 2009's 'G.I. Joe: The Rise of Cobra' was critically panned, the director was given the tough task of rebooting the franchise - which is based on Hasbro's G.I. Joe toy line - and delivered above expectations.
The film was met with a warmer response than its predecessor and earned $365 million worldwide - more than the $300 million the first film took in 2009.
The film studio is reportedly negotiating with four writers to pen the third flick, with a scribe expected to be selected shortly.
Chu previously expressed his desire to return to the franchise and create a more action-packed follow-up after 'Retaliation' laid the groundwork by introducing a slew of new characters.
He told BANG Showbiz: "You know, it would be an honour [to do it], if fans went out to see it [this time]. And man I'd love to [make another one]. We have a lot of foundation with the characters here, so it would be really fun to take to the next level."


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Dr. Myo Min Han reviews medical content for Healthwise, a nonprofit organization with a mission to help people make better health decisions. Dr. Han is a specialist in nuclear medicine, with additional certification in cardiac CT, in the Department of Nuclear Medicine at Kaiser Permanente Northern California East Bay Medical Center in Oakland, California.
MD: State University of New York, Stony Brook School of Medicine, Stony Brook, NY, 2004
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Broward Schutzhund Club:
I am taking Dylan this Saturday to see the club. From what I see on the website it seems like a good place to go. Right now my only reservation is that the TD has had no apparent experience with bulldog breeds. Is it really 100% vital that our trainer be experienced with dogs like Dylan? Looking over the site her training ideals match up a lot with my own and I'm wondering if that is enough.
Depending on how it goes Saturday evening...cause I can't make a real decision until I see the trainers and the other dogs in action....this club would work out great for us. The OB and protection phases are late enough on Saturdays that I will be able to attend unless I am doing the boarding at the shelter (a situation I will make clear to the TD from the get go). Plus, the early morning tracking sessions are on my day off! How cool is that?
Anyway, just really looking for other people's opinions on this particular club. If you see a problem or something please let me know. I mean, it looks good to me but I'm really interested in y'all's more experienced opinions.


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Been riding F One for a few seasons. Really like the huge airs and the ability to ride up the line, wave riding etc. I am thinking it may time to sell them before they get too old, lose all value and try something new.
At the moment I am into kite loop tricks like the E16 and trying to start progressing onto powered tricks / unhooked. After trying a North Vegas kite I have realised that my F Ones are rather skittish in the air and the power delivery not anywhere near as smooth as the Vegas. Not ideal for confidence trying to get into "powered" tricks as opposed to send jump based tricks.
A local dealer offers great deals on Carbinhas, are they worth a look? The Vegas is expensive...I used to have an old 2006 or 2007 SB but did not like the pull on that kite. Very stable but got owerpowered easily and no room for riding down the lines. Constant fight your board edge vs the power of the wind. Pulled like a boat which perhaps makes it nice for wakestyle. Or perhaps all of this has changed? Worth taking a look? What model is similar to a Vegas?
Anyone tried the Bandit 6? Maybe this kite is more stable than the B5? The B4 is ok for stability but has too much bar pressure and lat pull.


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Posts Tagged 'wlci fashion institute'
Indian dress Design: never out of fashion!
The Indian fashion industry is an interesting mix of Indian and western dress trends. Though the western influence may be highly visible in the fashion trends, nevertheless, Indian dresses have managed to withhold their charm and age old glory. It would not be wrong to say that Indian dresses never go out of fashion. Moreover, the traditional Indian dresses are also given a modern look and various unique concepts are applied to make Indian dress design the best in the world.
It was not surprising when popular actress & singer Vanessa Hudgens recently posted her photos wearing a pink embroidered 'dupatta' and a'bindi' and wearing intricate gold jewellery. It can be said that the craze for Indian dresses is surely fast catching up, especially among the young generation who is curious to know about India and its rich culture. Indian culture and tradition in apparels is very gaining immense popularity day by day. Be, it the nine yard elegant saree or the graceful anarkali suits, Indian dresses are here to stay and conquer the world.
If you want to specialize in Indian Dress Design then you can opt for WLCI's Specialist Programme in Indian Dress Design'. This program is conducted in WLCI campus at Delhi, Mumbai, Kolkata, Pune and Bangalore. This specialist course offered by WLCI College is of 100 hours duration and is completed in 9 months. Classes are conducted 3 hours per week, every Saturday at the campus. For more information on the college feel free to visit www.wlci.in .
Increasing competition has resulted in increased dilemma
Not long time ago, there was an era in the education industry where not much emphasize was given to this sector. Bu then the time changed and lot of improvements were brought into this industry. Job market in India is not too much inspiring. This is majorly because of the increased competition in every sector of the economy. Owing to this situation, most of the companies are postponing their recruitment and few others, who have completed their recruitment process are taking back their offer letters. Most of the fancied companies that used to offer unheard of sums can no longer be seen in sight.
These circumstances usually create dilemma in a student's mind as what career option should he opt for himself. Most of students don't think of the career that suits their interest, rather they focus upon which would offer more salary. That's definitely a wrong way to look at one's career. According to a statistical report, a large majority of the students plan to switch to another career while they have already enrolled for one. The reason for this thinking is changing trends of the job market and economic conditions. The changes are taking place at a much faster pace than ever before. Ultimately, these changes compel professionals to move towards more lucrative career options and leave their current profession.
An ideal way out for this situation could be applying practical thinking before taking any final decision. Students should first search out the anticipated market of any profession ten ten years down the line. Do as much research as possible and find out facts and figures. This research would help you in taking a rational decision for your career. Career in Mass Communication, Advertising and Graphic Designing, Fashion Designing, Aviation, Hospitality and Cosmetology is very booming in next five years.


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Tech Bucks National Trend in Graduate Student Enrollment
By Dennis Walikainen | Published
Across the United States, the number of new graduate students has declined somewhat, while the overall graduate school enrollment has increased only slightly (1.1 percent). However, those newest numbers, reported by the Council of Graduate Schools, are not reflected at Michigan Technological University.
Bucking the national trend, graduate student enrollment at Michigan Tech has increased nearly everywhere on campus. Total graduate enrollment sits at a new record of 1,303, while new master's students have increased 6.9 percent, and new doctoral students have increased 4.3 percent.
So, why the difference?
"Students are interested in coming to our campus because of the quality of our faculty," says Graduate School Dean Jackie Huntoon. "Many hear about us from friends and relatives who tell them that we provide great education opportunities in a wonderful place."
Jacque Smith, director of graduate marketing and advancement, agrees. "Of course, we provide a quality education," he says, "and we combine a lot of resources with smaller numbers of students, so it is a highly personalized graduate education."
Research at Tech also draws students, according to Smith. "We've always been known for hands-on, real-life research and lab experiences." Students graduate with less debt and more job offers, which are also incentives for students seeking education beyond the bachelor's degree.
"And, although it's especially true for the STEM [science, technology, engineering, and math] disciplines, we are experiencing growth in most areas," he says.
Michigan Tech's MBA offerings, both online and in person through the School of Business and Economics, have contributed to impressive gains: 15 percent from 2010 to 2011 (52 to 60 graduate students enrolled). Also, the School of Forest Resources and Environmental Science experienced an increase of 3.6 percent (82 to 85), and the College of Engineering graduate enrollment increased 5.7 percent (717 to 758). The College of Sciences and Arts graduate enrollment decreased slightly (321 to 318).
Graduate programs in biological sciences showed the largest percentage increase, 33 percent (27 to 36); chemistry graduate enrollment increased roughly 12 percent (33 to 37); and electrical engineering graduate enrollment increased 8.5 percent (152 to 165).
International graduate enrollment rose sharpest among students from India, 10.8 percent (204 to 226) and from the People's Republic of China, 5.4 percent (203 to 214).
International students in particular are attracted by Michigan Tech's reputation for safety and the fact that the faculty and staff are familiar with the needs of internationals, Huntoon added.
Female graduate enrollment increased 4.35 percent (368 to 384).
And there's one more bonus, according to Huntoon: "Many of these students pay their own way through graduate school while they live and shop in our local area. This is all good for the economy."
Michigan Technological University is a public research university, home to more than 7,000 students from 54 countries. Founded in 1885, the University offers more than 120 undergraduate and graduate degree programs in science and technology, engineering, forestry, business and economics, health professions, humanities, mathematics, and social sciences. Our campus in Michigan's Upper Peninsula overlooks the Keweenaw Waterway and is just a few miles from Lake Superior.


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November 5, 2018 by babylondogs
To Sussex Park
I carried her.
And left her.
As both our lives
November 5, 2018 by babylondogs
To Sussex Park
I carried her.
And left her.
As both our lives
Welcome to Cami*Star's words on Poetry and Stories....
Fiction & Poetry Journal of T. Wong
I still have a lot to learn
for your family
Daily Thoughts and Meditations as we journey together with our Lord.
A haiku and diary entry, each day for a year.
Tales from the mouth of a wolf
A reticent rambling of rhetoric, remotely resembling realization.
I am my Name.
100 Haiku
Paroxysms of an Awakened Dystopian
lies, propaganda, doggerel
Just my words and weirdness
Poetry and Stories by Zach Jackson
An Online Collection of Writing.
give your soul some breathing room
a topsy-turvy life of quietude
food, martial arts, languages, foreign, expat, travel, muay thai, bjj, kickboxing
Discovering the sacred in the profane and enlightenment among the shadows.
(Agnijaat, Agnishatdal, Agnijashatadalama, Indie Adda)
Natalie. Writer. Photographer. Etc.
C'mon Inner Peace... I Don't Have All Damn Day
Poetry by Pooja Alok
Vague Ideations and Fits of Reverie from a human enthusiast
Quick Slick Poetry Written on a Blackberry Q5
Together on a journey with Jesus...
A place for expression, that is currently under construction.
The words of Phen Weston
Poems of the Strange & Terrible EST. 13 July 2014
story poems


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posted by HAL2001 on Thu 19th May 2011 12:10 UTC
"A little over two weeks have passed since the appearance of MAC Defender, the fake AV solution targeting Mac users. And seeing that the approach had considerable success, it can hardly come as a surprise that attackers chose to replicate it. This time, the name of the rogue AV is Mac Protector, and the downloaded Trojan contains two additional packages. As with MAC Defender, the application requires root privileges to get installed, so the user is asked to enter the password."


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ARLINGTON — They weren't like other British invasion acts. The Zombies were more mysterious than Herman's Hermits and more ethereal than the Who. They were the band that lamented the lost girl of "She's Not There," and lasciviously asked, "Who's Your Daddy?" on their hit "Time of the Season." The Zombies even showed up in an Otto Preminger thriller.
The band only squeaked out three hits and two albums before its premature breakup 45 years ago. One of those albums, "Odessey and Oracle" (the title was misspelled by the cover artist), has climbed out of dusty obscurity and is now placed on the same pop pedestal as the Beach Boys's "Pet Sounds" or "The Kinks Are the Village Green Preservation Society."
"Odessey" is most likely the reason why the Zombies sold out its Sunday night show in a sweltering Regent Theatre. When the band, which included original members Colin Blunstone and Rod Argent , played five songs from the pristine "Odessey," such as the sprightly "I Want Her She Wants Me," the concert was elevated from yet another oldies show into a paean to beautiful songs that stubbornly refuse to age.
A crowd of Zombies-aged contemporaries who once listened to these songs on transistor radios did not Watusi along, but they occasionally rose for standing ovations of the band's biggest hits and fidgeted through newer material.
Both lead singer Blunstone and singer/keyboardist Argent, along with a band of ace touring musicians, saturated these pristine songs with the combination of optimism and melancholy that helped make the album so wildly influential. "Care of Cell 44," the most cheery song ever written about the release of a prison inmate, was deliciously sweet and gooey, like a Hershey's bar left out too long in the sun. Blunstone's voice was slightly more ragged than it was in 1967, but his smile was beaming and his nervous energy endearing.
While the Zombies actively recorded from 1962 to 1968, they have been reincarnated in one form or another for the past 20 years. At the Regent show, they made the risky move of playing five tracks from their 2011 album, "Breathe Out, Breathe In," along with other non-Zombie tracks. The result was occasionally painful, like when Blunstone performed an overwrought 1980s Alan Parsons Project song "Old and Wise." To their credit, the band members dug deep into the Zombies' catalog, pulling out a cover of George Gershwin's "Summertime," which was recorded for its first album.
Strangely, the biggest failings were the hits. The youthful urgency and 3½-minute punch of Britpop standards "Tell Her No," and "She's Not There" were replaced by languid keyboards and showy guitar solos that drained these songs of their energy. Give them credit for reinvention of the classics, but what the audience wanted in these moments was a slice of their youth served with a side of sunshine pop and the "Hullabaloo" dancers.Christopher Muther can be reached at firstname.lastname@example.com. Follow him on Twitter @Chris_Muther


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Insurance Claims and Procurement departments are disjointed at best, antagonistic at worst. Robert Fuhrmann, MD in Accenture's Insurance Strategy Practice, believes that the business as a whole loses out as a result of the ongoing battle between the two departments. Better execution where Claims and Procurement intersect creates competitive differentiation and drives economic value for insurance carriers.
Q: The relationship between Claims and Procurement is an uncomfortable one in many insurance carriers. What are the root causes of the tension between the two departments?
Claims and Procurement have different priorities and thus do things differently. The cost of procured products and services from third-party vendors—such as auto body shops, attorneys, independent adjusters—heavily influences the economics of Claims, and Procurement is typically an uncomfortable partner in this process.
Claims organizations typically underutilize Procurement disciplines, while Procurement departments misconstrue what matters to Claims. Claims departments tend to view themselves as specialized, often believing that purchasing decisions require unique expertise and judgment—in other words, they favor qualitative criteria over the benchmarks Procurement cares about.
For example, Claims organizations value long-term relationships and the associated expertise and competitive pricing. Procurement is primarily concerned with contractual and risk matters. What's more, Claims in multinational insurers doesn't lend itself to the level of standardization Procurement has achieved in its practices. The result is a misguided turf war in which everyone loses.
Q: How do insurance carriers begin to change this picture?
It begins when Claims and Procurement change their mindsets with the understanding that they are better positioned to drive sustainable value and continuous improvement for the business as a whole when they work together. Ideally, they should start unifying decision-making, governance, process ownership and performance management—among other factors.
There are opportunities for improvement across the end-to-end claims procurement lifecycle, but a good place to start is by looking at roles, responsibilities and accountability. For some insurers, Procurement does it all. In other businesses, there is overlap and duplication.
Insurers should design a future state where Claims and Procurement work together to select, manage and pay vendors. Each side brings its own biases and experiences, so it's important to balance the inherent biases toward contractual risk versus relationship in Procurement and Claims.
These actions, sustained through operating model changes, will help insurers actively move toward improving the loss ratio by a potential 1—3 percentage points.
Q: How will a closer relationship between Claims and Procurement benefit the wider organization?
When the two groups look beyond the differences in how they operate and make decisions, they can work together to drive innovation and increase competitiveness.
For example, Claims sometimes holds its data close rather than sharing it with Procurement. If this dynamic were to change and data could be augmented with the necessary claims context, and analyzed, it would allow better visibility into categories, vendors and performance.
When Claims and Procurement collaborate, they can also translate qualitative claims criteria into tangible procurement measures that enable objective selection and contractual terms. This, in turn, can help deliver a great claims experience for the customer while keeping costs in check and mitigating vendor risk.
Finally, antiquated processes and a lack of technology and automation hold many insurers back from better claims efficiency and customer service. By coming together on the strategic use of technology across claims and procurement value chains, insurers can achieve innovation and unlock the value currently lost due to conflicting tactical approaches.
Q: Are there any examples of insurers who have tried to take such steps? What sort of results have they achieved?
One particular global multi-line insurer wanted to reduce its loss costs by $100 million through claims vendor management. It has exceeded its target. It took a number of steps to do so—for example, it implemented a vendor management program across all major third-party spend categories to monitor performance and cost.
It also rationalized and restructured independent property adjuster relationships to be focused on value, and insourced certain commercial property services. Finally, it rationalized auto body shops in one Asia-Pacific country from 1,300 to 115, taking out costs and creating stricter performance and customer service requirements for those shops.


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Alex Salmond denies defeat in independence debate
Scotland's First Minister Alex Salmond has refused to concede he lost last night's independence debate despite most most of this morning's newspaper headlines handing victory to the leader of the No campaign Alistair Darling.
The debate over Scottish independence has taken place with the first live television clash between the First Minister Alex Salmond and the man leading the campaign to keep the UK together Alistair Darling being shown on STV.
A poll conducted by ICM for the Guardian has found that Alistair Darling won the first Scottish independence debate by 56% to Alex Salmond's 44%.
There are now just over six weeks to go until voters in Scotland decide whether to remain in the UK or become an independent nation in the September 18 referendum.


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Attention, Tom Ricketts: Your legacy is on the line. This is no time to be Baseball McCaskey.
It might seem early in the projected lengthy ownership of the Cubs by members of the Joe Ricketts Lucky Sperm Club, but this is it.
This is Ricketts' defining moment. This is Ricketts' first big hire. This becomes his seminal move, give or take new urinals and bison dogs.
To come home today, next week or next month without Theo Epstein makes Ricketts a failure. A dead-bang failure.
Oh sure, Ricketts might be able to peddle the story he stood up for his principles or young talent. A lot of Cubs fans will buy that hogwash the way they blindly swallow everything else.
It will be a crock, of course.
Ricketts declared himself all in for $20 million worth of Epstein's services and whatever his believed brilliance is for five years. That deal made him vulnerable to hard negotiating. If Epstein was worth that much, then Boston could claim they are owed a big return on such a big loss. It might be an act, but that's the position Ricketts plopped himself into. He was playing his cards face up, even if might've been the last guy to figure it out.
It feels as if Ricketts doesn't know his opponent and couldn't read his situation. He is the newbie. He made the first move. Perhaps he felt that joining this exclusive ownership club would make the transaction a done deal quickly. Ricketts appears to be getting pantsed here. Guess they didn't teach leverage at whatever business school Ricketts went to.
Boston owns Epstein. The Cubs don't.
Boston could pay Epstein to sit. The Cubs can't.
Boston has a better roster than the Cubs and Boston has home-grown executives familiar with the Red Sox's home-grown talent. The Cubs have a handful of magic beans and a crying need for Epstein or somebody smarter than your average Hendry.
Stories of Red Sox demands sounds wildly onerous. They want Starlin Castro for Epstein, said one. They want Matt Garza, said today's rumor du jour. They want prospects and money, said previous whispers. OK. Fine. Done.
Or at least, it should've been done. Like, two weeks ago.
Presuming the Red Sox aren't just killing time and acting like divas for their own beaten-up egos after their Cubs-like choke in September, there is no reason this deal hasn't gotten done yet.
Ricketts needs to step back and ask himself this: If we had can't-miss talent worthy of killing a deal for Epstein, then would we really need Epstein?
And then he needs to step back and ask himself this: Which of the players I'm being asked to give up figure to matter when you win the World Series?
Connect the dots, Tom. The Red Sox dictate terms. You need this deal. You can't have your first, major, celebrated, time-consuming hire be ruled E-Fanboy Owner.


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M&J's First Blogger of the Month!!! *February
Pretty Little Things
A grosgrain ribbon here and a handful of appliqués there is all it takes to add a few pretty accents to your wardrobe. Using some bows, iron-ons, and tulle trim, this is how I revamped an old shirt, made a brooch perfect for pinning onto bags and jackets, and whipped up a hairband.
Dotted Collar Blouse
What you'll need:
- Any old blouse (pick a lightweight fabric, such as silk, chiffon, or cotton)
- Iron-on nailhead – 6mm HR Round Nailheads Item#43985
- Iron
- Ribbon – 1/4″ D.F. Poly Satin Ribbon Item# 00318 in Black
- Before any ironing, experiment with how you'd like to place the iron-on nailheads. I decided on outlining each collar and then filling them in with rows.
- Iron the sequins one at a time. Place one onto the fabric and press down firmly for about 10 seconds. I recommend placing a thin piece of fabric between the iron and the surface of the iron-on nailhead so as to not damage them with direct heat.
- Make sure each iron-on nailhead is in place and can't be flicked off easily. After all of them are in place, iron all of them one last time.
- Add a large black ribbon around the collar for a girly touch.
What you'll need:
- Grosgrain bow – Item#38175 in black
- Tulle ribbon – 80mm Krinkle Tulle Item#43902 in Beige
- Needle & thread – Item# 42681 black
- Safety pin (or pin back)
- Rhinestone (any broken piece of jewelry, rhinestones with settings)
- Sew the rhinestone to the center of the grosgrain bow.
- Fold the tulle ribbon like a fan. Gather on the bottom and sew into place to the back of the bow.
- If you don't have a pin back sitting around, a safety pin is a possible substitute. Just stick one in the back of the bow.
- Affix the brooch to lapels and collars, canvas bags, and more.
Gold Pompom Hairband
What you'll need:
- Sew-on appliqué – 2″ Beaded Motif Item#47336 in Gold
- Grosgrain bow – Item#38175 in black
- Hairband
- Needle & thread – Item# 42681 black
1. Sew appliqué into middle of the bow.
2. Sew both onto the side of the hairband. If the box can't be sewn onto the hairband, for instance if you chose a metal or plastic hairband, you can use hot glue instead.


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Winifred Louise Rippley, 93
Winifred Louise Rippley passed away in a Katy hospital in Katy, Texas on August 27, 2012, at the age of 93 years.
Visitation will be held from 10:00 a.m. to 11:00 a.m. on Saturday morning, September 1, 2012, at the S.S. Peter and Paul Catholic Church. Mass of Christian Burial will be held at 11:00 a.m. with Fr. Bob Duesdieker officiating. Burial will follow in the church cemetery.
Winifred Louise Rippley was born on October 25, 1918, in Boonville, Missouri, to Pearl and Cecilia McGuire. She has lived in the Katy area since 1997, where she was a member of Epiphany of the Lord Catholic Church.
She is survived by her sons, Julius Wayne Rippley, Herbert Rippley and his wife Beverly, and James L. Rippley and his wife Patti; many grandchildren, great grandchildren, and great great grandchildren; brother, Raymond McGuire; and sister, Margie Weirich. She was preceded in death by her husband, Julius Edward Rippley.
Arrangements under the direction of Davis Funeral Chapel.


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< Movie Theater Hearing
Jan 09, 2013 07:43
Category: General News
Category: General News
AIG Considering Suing Government
You may have seen the TV or newspaper ads over the last few days from AIG: They're the company that got a federal government bail-out in 2008 of $182 billion and the ad says thanks to America for helping them out and that they've paid back all they borrowed. Now AIG is considering suing the federal government and that has several senators and members of congress understandably upset. AIG contends that in the bailout that the government took an 80% stake in the company and didn't adequately pay the shareholders.


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- Services
- Environment & Conservation
- Construction & Development
- Businesses & Key Accounts
- Documents
- Help & FAQs
- Translations
- About Us
Bicycle Safety Program
Indicates where older drains have been identified and replaced. View map (pdf).
Seattle Public Utilities (SPU) is working closely with the Seattle Department of Transportation (SDOT) to replace older storm drain covers in an effort to improve roadway conditions for bicycling throughout the City.
What SPU is doing
SPU is spending $60,000 per year on its program to upgrade old storm drain coverings. See new and old drain style (pdf). There are over 80,000 storm drains throughout the City and SPU is methodically identifying and replacing older drains that no longer meet current City specifications. SPU has prioritized its efforts along designated bicycling routes.
How you can help
Help us to identify older storm drains that you'd like to see updated by contacting SDOT's Bicycle and Pedestrian Program.
Email: firstname.lastname@example.com
Phone: (206) 684-7583


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Attitudes about what "we" do and do not "want the industry to devolve into" can be really novel and original, and yet totally false.
Yes, and as if, the industry, is at "our" exclusive disposal. As if, it exists because "we" are here. Obviously, the industry goes on, and "we" are not gods.
Imagine some copy machine manufacturer stating that "we really do not want the industry to devolve into electronic chit-chat" by way of expressing his opposition to digital document exchange replacing hard copy exchanges. "No e-mail please, it is chit-chat!"
Well, this sort of we-know-it-all-and-are-superior-to-all-the-others-who-just-dont-get-it attitude does happen in the real world. It happens too often.
"We don't want the industry to devolve into tabloid marketing," says (to the WSJ, Oct. 7, 2004, page B3) a marketing vice president for one of H-P's server computer units. (Let's keep the name out of this blog.) According to him, Sun has "crossed the line" with its latest comments about H-P on blogs.sun.com . . .
So, what's more of a tabloid, People or blogs.sun.com? And what about full-page ads on the WSJ and elsewhere? They are literally tabloid marketing. Aren't they?
It is funny how words resist those who insist on changing their original meaning . . .


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WASHINGTON (MarketWatch) - The Federal Reserve should end its aggressive easing campaign, said Richard Fisher, the president of the Dallas Federal Reserve Bank, on Tuesday. In remarks to reporters after a speech in Berlin, Fisher said the Fed's Operation Twist program should be allowed to expire on schedule next month. Under Twist, the Fed sells short-term securities and uses the proceeds to buy longer-term securities. "I question its efficacy," Fisher said, according to the Wall Street Journal. The Fed will meet on Dec. 11 and 12 and is generally expected by analysts to replace Twist with outright Treasury purchases. Fisher also said the Fed should also end its $40 billion per-month purchases of mortgage-backed securities, known as quantitative easing, or QE3. "My personal view is we don't need to do more," he said. The Fed's QE3 plan is open-ended with the central bankers saying it will continue the purchases until there is substantial improvement in the labor market. The central bank should consider setting limits to the size of its balance sheet, currently at $2.873 trillion, he said.
Have breaking news sent to your inbox. Subscribe to MarketWatch's free Bulletin emails. Sign up here.


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Stampede Can't Solve Lancers
RALSTON, NE -- The Sioux Falls Stampede tried to rally from a two goal deficit in the third period, but came up just short in a 3-2 loss to the Omaha Lancers Wednesday night at Ralston Arena.
The loss dropped the Herd's record to 29-12-2, but they remain three points ahead of Fargo for first place in the West. The Lancers moved within four points of the Herd for first place in the conference.
Eight penalties against the Herd was the difference in the game as the Herd spent most of the night trying to kill of penalties. Omaha finished 1-for-8 on the power play while the Herd were 1-for-2. Kyle Schempp and C.J. Franklin scored while Charlie Lindgren made 29 saves in the loss for the Herd who are now 1-3-0 against Omaha and 0-3-0 at the new Ralston Arena.
Omaha got an early powerplay, but the Herd played well defensively keeping the Lancers off the board. Omaha would break through however, at 8:14 when Trent Samuels Thomas tipped in a pass from Gage Hough past the pads of Stampede goaltender Charlie Lindgren. Sioux Falls would respond just minutes later though as Kyle Schempp knocked the puck loose in front of the Lancers bench and raced down the right wing boards, cutting in front of the goal and wristing a shot past Omaha netminder Alex Lyon to tie the game at one. Sioux Falls outshot the Lancers 11-9 in the period.
In the second, Sioux Falls found themselves trying to kill off several penalties in the period and it caught up with them when the Lancers went on a 4-on-3 advantage midway through the second. Matias Cleland took the puck in the high slot and blasted a shot that went just wide of the net, but bounced to the right circle for Jake Randolph who quickly batted the loose puck past a diving Lindgren and into the net to regain the lead for Omaha at 2 to 1. The Herd tried to battle back, but Lyon shut the door and the Lancers took their 2-1 lead into the locker room despite the Herd outshooting Omaha 12-11 in the period.
Omaha increased their lead to two goals at 6:51 when Luca Frigo took a pass in front of the net from Tucker Poolman and backhanded a shot that went through the pads of Lindgren and into the net to give the Lancers a 3-1 advantage. Sioux Falls broke through at 9:59 when they scored on a powerplay of their own. Off a face-off, Zeb Knutson blasted a shot from the high slot that was stopped by Lyon, but the rebound came to C.J. Franklin who tucked the puck just under the crossbar to make it a 3-2 game.
The Herd then got into some penalty trouble and were down two men for 1:13, but played well defensively and killed both penalties off, giving them a chance to tie the game. With a minute left in regulation, Lindgren was pulled for an extra attacker and the Herd threw a flurry of shots onto the net, but couldn't get the bounce they were looking for. In the final seconds of the period, Sioux Falls had six forwards on the ice, but Lyon made a huge blocker save in the crease and the rebound was cleared out of the zone and the Lancers skated away with their sixth straight victory. Sioux Falls outshot the Lancers 35-32 on the night.
The Herd will get another shot at Omaha this Friday when they return home to face the Lancers at 7:05 PM. Sioux Falls will entertain Lincoln on Saturday.
Courtesy: Sioux Falls Stampede


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So, I just found Picnik.com yesterday and LOVE that I can design custom blog headers all by myself now! My new one is really rough, but it's a start. I'd love feedback!
Also, I thought it might be fun to share other Picnik-designed headers so that we could all learn from each other! If you design your headers on Picnik, please share!
Views: 19
thank you for mentioning this, as I had never heard of Picnik! I just tried it out for a little while & it's pretty awesome...I'm considering doing the upgrade...do you find that it's worth it?
I am curious how you did your blog header.
Any tips would be awesome!
thanks! =)


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Welcome to Moon Child
I'm Sarah Baldwin, a Waldorf early childhood educator, author, and owner of Bella Luna Toys, an online shop selling Waldorf toys, wooden toys and natural toys, chosen to nourish a child's senses and inspire imaginative play. I am also the author of Nurturing Children and Families, a book for teachers and leaders of Waldorf parent/child playgroups.
My husband, Max Alexander, is a journalist and author who shares an office with me upstairs in the barn next to our home. Max and I live on the beautiful midcoast of Maine on Buttermilk Lane (no, I didn't make that name up!) in the small town of South Thomaston, minutes from the coastal city of Rockland and its working harbor. If you know Maine at all, we're about half-way between Portland and Bar Harbor on Penobscot Bay.
Our two grown sons, Harper and William, live together in Los Angeles. Harper is a young filmmaker (cinematographer) and Will is finishing up his education in computer science at the University of Southern California.
In addition to being passionate about children and Waldorf education, I'm also wild about traditional music and learning to play fiddle. As a family, we love to spend our winters skiing and our summers sailing, making Maine an ideal place for us to be.
When I made the decision to take ownership of Bella Luna Toys in September 2009, I knew from the start that I didn't just want to have a retail website. While I truly love the toys I sell, I envisioned Bella Luna Toys becoming a forum where I could share my knowledge of children and my love for Waldorf education. I wanted it to be a site where I could answer families' questions and interact with them. And, most importantly, I wanted it to be a place where I could support the magic of childhood and the importance of play — helping children and families find joy in life and learning.
I hope that you will find my blog, "Moon Child," to be such a place. I'm so glad you found your way here. Leave a comment. Don't be shy!


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UPDATE: We're now receiving word that it may be another 1-2 weeks before we see Gingerbread on the G2x. No word on whether this was a delay or whether our original rumor was incorrect. We'll keep you updated.
Great news for all of you (us) G2x owners out there! A few of our trusted tipsters have informed us that owners of the T-Mobile G2x may not have to wait much longer to get updated to Android 2.3 Gingerbread. We already knew straight from T-Mobile's Twitter feed that the G2x Gingerbread update is due to come out before summer (read: sometime in June), but our ninjas are pointing us to a release as early as the first half of next week.
Once the Gingerbread update is released, G2x owners can expect various performance enhancements, as well as the overhauled Gingerbread UI. Hopefully LG is working hard to throw in bugfixes to the several ailments that have plagued T-Mobile's beloved flagship, though whether those will be packaged as part of the Gingerbread update or as a separate OTA remains to be seen.
As a G2x owner, I'm stoked that the Gingerbread update is seemingly right around the corner, and I'm sure you guys are as well. As always, we'll update you if we learn of any new information on the G2x update. Stay tuned, and let the excitement begin!


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Stevie Wonder
QRS Cat #662040
Fingertips (Part 2)
Uptight (Everything's Alright)
Hey Love
I Was Made To Love Her
For Once In My Life
My Cherie Amour
Signed, Sealed, Delivered I'm Yours
You Are The Sunshine Of My Life
Higher Ground
Living For The City
You Haven't Done Nothin'
Boogie On Reggae Woman
I Wish
Sir Duke
Master Blaster (Jammin')
That Girl
Do I Do
I Just Called To Say I Love You
Part-Time Lover
What You Receive: The original audio CD plus a 3-digit access code for this CD. This will access and synchronize the corresponding SyncAlong piano files for this CD, which are contained on the CompactFlash card shipped FREE to first-time SyncAlong CD purchasers. Free Updates to these Piano Files will be issued regularly via this website.
Piano Transcribed & Played by: Christopher Sierzchula
Stevie Wonder
QRS Cat #662040


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This past September in Rome, leaders of the Pontifical Council for Social Communications were kicking off a high-level assembly when, all of a sudden, smartphones began buzzing and vibrating with alerts across the room.
On-hand were bishops, archbishops and cardinals, among others. But what made the scene noteworthy was not simply who they were, but also what they didn't know. An in-depth interview with Pope Francis, published by Jesuit journals around the world, was making headline news. And most of the Church's highest-ranking communications officials knew nothing about it.
Throughout the past year, Pope Francis has forged a new way of being pope, and part of this pontifical style has been to give freewheeling interviews to the press.
"This is a genre to which we were not accustomed," the Vatican spokesman, Jesuit Father Federico Lombardi, said in October when asked by reporters about the papal interviews. He was alluding understatedly to the fact that Catholics and others are used to hearing a pope speak in more authoritative forms such as papal encyclicals and prepared homilies or addresses.
If asked to recall something this pope has said, most people would probably cite a remark from an interview with him or a news conference.
For example, there was the now-famous "Who am I to judge" comment in relation to gays who seek a closer relationship to God — made on July 28 aboard a plane returning to Rome from the World Youth Day celebration in Rio de Janeiro. Pope Francis unexpectedly fielded questions from the press pool for nearly an hour and a half.
There was the "I am a sinner" reply to the opening question by the Jesuit interviewer about the man elected pope one year ago: "Who is Jorge Mario Bergoglio?" This was the interview that caught the Pontifical Council for Social Communications off guard on Sept. 19. It arguably made the biggest splash of all, partly because Francis personally reviewed and approved all of the 12,000 published words.
Next was an interview conducted by an atheist editor and published Oct. 1 in the Italian newspaper La Repubblica. Pope Francis purportedly said, "Proselytism is solemn nonsense," although the writer admitted later to loosely reconstructing all of the interview comments from memory (he neither took notes nor recorded the conversation).
In December, the pope gave an interview to another Italian newspaper, La Stampa. Answering accusations in some quarters that he is a Marxist, Pope Francis said: "The Marxist ideology is wrong. But I have met many Marxists in my life who are good people, so I don't feel offended."
All that and more have come from a pope who — en route to Rio — explained in a brief exchange with reporters, "It's true I don't give interviews. I don't know why. I just can't. It's tiresome. But I enjoy your company."
The interview format, chosen frequently by Pope Francis to spread his message, has its advantages as well as disadvantages, according to Church analysts including reporters who cover him.
For one thing, interviews get attention. In an increasingly secular world (in the West, at least), it's hard to dismiss the value of a Roman pontiff speaking to the unwashed global masses.
The interview strategy, from that perspective, is a piece of the New Evangelization embraced by Pope Francis and his predecessors since Vatican II.
"When the pope speaks in an untraditional way, the world takes heed, and the novel charm of an informal papal voice opens up possibilities for engaging audiences ordinarily unreceptive to Vatican pronouncements," wrote Francis X. Rocca, of Catholic News Service's Rome bureau, after the stunning interview in the Jesuit journals appeared.
"Yet, as the pope must know, this approach also poses serious risks," Rocca also wrote. "During informal conversation, a speaker is apt to think out loud, omit important qualifications to categorical statements, take premises for granted, and overlook how a particular formulation might lend itself to misinterpretation, innocent or otherwise."
An example often cited is the Jesuit interview that ran in outlets including America magazine.
The pope suggested on that occasion that some people in the Church are "obsessed" with a limited array of moral doctrines. "We cannot insist only on issues related to abortion, gay marriage and the use of contraceptive methods," he said, adding, "It is not necessary to talk about these issues all the time."
His point seemed to be that the Church should make a broader and bolder proclamation of the Gospel rather than take an issue-oriented approach to social concerns. But many in the general public took his comments to mean the Church was muting its pro-life witness.
The day after publication of that interview, Pope Francis spoke to a group of Catholic gynecologists and said, "Every child that isn't born, but is unjustly condemned to be aborted, has the face of Jesus Christ, has the face of the Lord." This prepared address drew far less notice than the interview released the previous day.
What's clear enough is that Vatican officials have learned a lesson or two about the interview genre. They hastily posted the La Repubblica interview on the Holy See's website before having to take it down six weeks later after the trustworthiness of the account was called into serious question.
What's even clearer is that Pope Francis has struck up a fresh and friendly conversation with the world. That would have been harder to pull off if he were just sticking with encyclical letters, apostolic exhortations and other magisterial favorites.
William Bole writes from Massachusetts.
Copyright © 1996-2018 Our Sunday Visitor, Inc.


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Every year, more than 10,000 patients in the U.S. are diagnosed with life-threatening diseases such as leukemia or lymphoma for which a marrow or stem cell blood transplant from an unrelated donor may be their best or only hope of a cure. At the Earthquakes game on Saturday, Sept. 29, we're working with Be The Match to help find a donor for Jeremy - a local, precocious two-year-old with a beautiful heart and a vibrant spirit, who was recently diagnosed with a rare form of AML. He needs a bone marrow transplant to survive. You could be the match that saves his life.
Patients like Jeremy depend on the Be The Match Registry to find a match – and a second chance at life. While many patients do find the life-saving match they need each year, more donors are needed to help increase the likelihood that all patients will find a match.
Donors with diverse racial or ethnic backgrounds are especially needed, as patients in need of a transplant are most likely to match someone who shares their same race or ethnicity.
Please be sure to stop by the Marrow Donor Registration Area in the Epicenter at the Saturday, Sept. 29 game, to enter the registry, to make a financial donation, or to get more information on how you can be a donor, and help save a life!