text:
52 years cutting hair: Citing health concerns, longtime Dallas barber cuts out
DALLAS — For 52 years, Inge Bentjen cut hair for dozens of prominent Dallasites — from the Rev. W.A. Criswell of Dallas' First Baptist Church, who has since died, to former Vice President Dick Cheney, while he was working at Halliburton.
On Dec. 25, she closed the doors of Inge's Barber Shop in downtown Dallas for good.
She credits customer Jim Lowe, a Dallas radio personality who worked for WRR from 1950-74, for bringing in many customers.
"That's how lots of them came. He talked about me (on the radio). He always called me Inge baby," Bentjen remembers with a chuckle.
Bentjen said health problems led to her decision to retire.
About five years ago, she passed out and fell while working in the shop on Patterson Street between North Akard and North Ervay streets. She said she's never fully recovered from the accident, suffering from chronic back and shoulder pains.
"I can barely raise my arms," she said. "I have some tall customers and they say, 'If you can't raise your arms, we'll sit on the floor.'"
Bentjen wasn't keen on making a fuss about her retirement. For her, it wasn't a milestone to celebrate.
"They want to make a party for me and all that. I say, 'It's not really a party, closing,'" she said. "It's hard on me, I don't want to say goodbye."
Bentjen learned barbering during a three-year apprenticeship with a class of other women in Germany shortly after World War II. It was a welcome alternative to working in a factory, she said.
"I never had any interest in fixing hair, but I learned it and I liked it," Bentjen said.
After marrying a member of the Air Force, she moved to America in 1954.
She leased space for her first shop off Ervay Street in the early 1960s. She moved around the corner to her current spot at 1606 Patterson St., leasing from First Baptist Church in 1990.
In a Dallas Morning News article dated July 31, 1958, a 27-year-old Bentjen described the reactions she got being a female barber.
"They rarely get fresh," Bentjen said of her male customers in the article. "They can't afford to; I've got the razor and scissors."
Another News article Jan. 12, 1969, said Bentjen averaged about 20 to 25 shaves a day.
Bentjen said business has slowed through the years. She's altered her hours to accommodate that, working only Tuesday through Thursday except her final Firday, when she planned to open to serve her final customers.
"Everybody wants to come in at the last minute," Bentjen said.
Like many other customers, Dallas banker Jim Erwin used to walk over for a haircut when he worked downtown. When his business moved to North Dallas, he still made the drive.
As cars and pedestrians passed by her shop on a recent morning, Bentjen was busy working away.
"Jim, I left it longer than you wanted it," Bentjen says to Erwin.
After a neck shave, she gently smooths down his hair with a comb and hands him a mirror to take a look.
"Looks good to me," Erwin says. "Don't think you can do any better with what you have."
A sign above the antique cash register reads: "Welcome to the friendliest place in town."
Cosmetologist Lydia Benun, who has rented a chair at Inge's Barber Shop for 10 years, said she can attest to the sign's authenticity.
She said Bentjen can't see someone hurting without doing what she can to help, whether that's offering a sandwich, a sum of money or giving her a break on rent.
"She's the best, (most) good-hearted person that I've ever known in my life," Benun said.
Bentjen considers the customers and co-workers of her downtown Dallas barbershop members of her family.
"I don't like them, I love them," she said.
She regularly gives out boxes of German cookies or chocolate. For Christmas, she passes out Advent calendars to customers with children or grandchildren.
"It costs me lots of money, but I'm not going to tell them," Bentjen said.
She's also been known to visit customers in the hospital.
When an accident sent Dallas lawyer and former Fairview Mayor Sim Israeloff to the hospital two years ago, Bentjen showed up in his room with her scissors and a box of cookies.
"Sure enough, Inge came and cut my hair in the hospital — wouldn't even let us pay her for that particular haircut," Israeloff said.
During his last cut before the shop's closing, Israeloff had something to give Bentjen.
It was a certificate of Special Recognition from the city of Dallas signed by Mayor Mike Rawlings.
"She was in tears; it was so wonderful. A good way to cap off a more than 30-year connection," Israeloff said.
As Bentjen flips through a photo album in her shop, she recalls more clients, such as former Dallas Cowboys kicker Toni Fritsch and her late shoeshiner, Freeman Fleming, who worked for her for 30 years.
It's the people she'll miss most in retirement, she said.
Between the old customers and employees are photos of her family, friends and other reminders of her life back in Germany. The cream-and black-floral-patterned album never leaves her side.
"It's a lot of memories, you know. I just always carry them with me," Bentjen said.


text:
OTTAWA—The day before Game 7, Guy Boucher, the man who can look like a mad genius on the bench, said his team was done trying to run with Pittsburgh, and he did something else: He practised his five-on-three power play. The Ottawa Senators were in the depths of a truly impressive five-on-four slump, so this seemed . . . optimistic? Strange? But, hey. Do what you feel is right, be you. It's like Boucher said: "If we want to play head-to-head against them with their strengths, there is no game. We've just got to be ourselves."
In Game 6 of the Eastern Conference final, the Senators were themselves, in strange and wondrous ways. They were getting shoved out of the building by the midway point of the second period, but then the Senators have been outshot all season and all series long, really. This team has been outpacing all projections, and rising above its odds. It's what they do.
And after trailing 1-0 early in the second period, the Senators got a five-on-three power play. They whipped the puck around, and Bobby Ryan put a perfect shot past Pittsburgh's Matt Murray. Ask Guy Boucher whether Trump will be impeached, next.
With that the game changed, and Mike Hoffman's screaming slapshot 94 seconds into the third allowed the Senators a lead that they never quite relinquished. In a game where Evgeni Malkin was a beast and Sidney Crosby was dangerous, Ottawa managed to pull the series back to where it began: Pittsburgh scoring one goal per game, and this thing up in the air. Ottawa won Game 6 by a score of 2-1, and Game 7 is Thursday night in Pittsburgh.
"Tons of credit to them: they controlled the game, especially most of the second period," said Ottawa's Zack Smith. "But (goaltender Craig Anderson) was huge again tonight, and he was the difference. Huge, monstrous, anything."
Anderson stopped 45 shots, and a Pittsburgh goal was disallowed in the first when Trevor Daley's skate pushed Anderson into his net. But Pittsburgh had chances to win this game, and in the second period were rolling over the Senators. And then Ron Hainsey took an interference penalty and Ian Cole took a high-sticking penalty, and the Senators found belief. Boucher said at the time the practice was partly just to restore spirits; if he was playing the long game, it worked.
"I mean, it was maybe a coincidence," said defenceman Marc Methot. "I know we were missing a lot of power-play guys (at practice), guys who had the day off, so things were maybe a little all over the map there."
Still, they managed to drag this series to the limit. All season the Senators have outperformed expectations, and they will be underdogs in Game 7, and they don't much care.
"That's fine with us, too," said Smith. "I feel it's been that way for most of the year, and playoffs. That's fine. We'll play that role."
It was so very Senators, all of it. The building wasn't sold out — maybe it was because a town with little built-in corporate base was tapped out after eight expensive playoff home games, and maybe it was because the Senators lost Game 5 by a score of 7-0 and this see-saw series suddenly felt hopeless, and maybe it was because there was a soccer game across town, and maybe it was because the rink stubbornly remains 45 minutes from downtown if there's traffic in a city where it feels like every single person works nine to five.
On NBC, Doc Emrick said it was the first conference final game in a decade that didn't sell out; CBC said the last one not to sell out in Canada happened in Montreal in 1993. Either way, this was the biggest game since the franchise lost the Stanley Cup final in 2007, and the Senators had won one playoff series in nine years since then, until this year. And now they were in a Game 6 against the Stanley Cup champs with a chance to force a Game 7, and there were whole rows of seats vacant in the upper deck, and spotted around the lower bowl. Some of the seats filled up, but not all of them.
But the crowd sounded great, and greater as the game went on, and the team had a lot to do with that. Or at least, the thrill of living with visceral terror. In the second period of an elimination game the Penguins were rolling over the Senators, and then Malkin shrugged off Smith and scored a goal that the CBC's Jim Hughson described as "Malkin, from Malkin and Malkin." Sometimes, the other guys just have better players. For Ottawa, you could feel the series slipping away. When asked if he felt he had Malkin, Smith grinned and said, "No."
But Anderson would not yield, and that's been a Senators formula this season, too: He was 25-11-4 for a team that was 19-17-6 in games in which he didn't get the decision. Pittsburgh outshot Ottawa 46-30, and out-attempted them at even strength 66-33. Anderson had to be great.
"I thought we played a real good game," said Pittsburgh coach Mike Sullivan. "I thought we dominated zone time. We had lots of chances. We didn't score tonight. The puck didn't go in the net, but if we continue to play the game that way then I believe we'll get the result."
Except what if they don't. As Methot said, "anything goes now," after a game where he grabbed Crosby in one scrum around the eyes, and Hoffman squirted water at Crosby from the bench while Methot poked him with a stick, perhaps to make sure he was still alive. The Penguins have the best players in this series, Erik Karlsson's brilliance aside. If they play this game again the Penguins probably win it, for all of Karlsson's support for how the Senators played.
"We just told ourself that we were going to play the way that we want to play, and whether we won or not at least you know that we had no regrets," said Karlsson. "And we came out right from the start and played the right way, played the way that we have to play to be successful, even though they had a lot of scoring chances."
They did. Look, everyone might expect the Penguins to win Game 7, but here is what Ottawa has done: They have made it a series and a season that will be determined by 60 minutes of hockey or more, and in 60 minutes of hockey you can get outshot to hell, and your building can have holes in the crowd, and the other team's transcendental superstars can be running the game. And you can win. Four times in this series the Senators have held the Penguins to one goal from their stars; they have won three of those games.
And now it's Game 7, and the winner gets to play the Nashville Predators for the Stanley Cup. Ottawa has never won a Game 7 in franchise history: Pittsburgh has won plenty, though has a worse record at home. But anything can happen now, and anything goes.

subset: commoncrawl


text:
Make your plans now to attend this can't-miss corporate and nonprofit and CSR conference for civic leaders in Chicago next summer.
Sign Up for Information About Points of Light Conference 2023
Register today and don't miss any details about Points of Light Conference 2023.
What to Expect at Points of Light Conference
The Points of Light Conference, an annual corporate and nonprofit leadership conference, brings together nonprofit, government, business and civic leaders for inspiration, education and connection. Attendees share the knowledge and resources needed to spark change and drive impact. This is one of the most unique corporate and nonprofit conferences because it strengthens the social sector by curating innovative ideas and proven solutions, while providing networking opportunities.
The Points of Light Conference main stage moments offer a deep dive into relevant issues, inspire new thinking and entertain. Workshop sessions are delivered by global leaders across the nonprofit, corporate and government sectors from those to new a career in the social sector to seasoned C-level executives.


text:
The site chosen for this initiative is the Trastevere bank of the river Tiber in central Rome – The Janiculum Hill. The intention of this project is to propose a new development of this area. It is well known that future development of the dense urban city fabric such as that epitomized by Rome is the key to sustainable future environment and energy conservation. The redevelopment of this site will also provide an important opportunity to radically improve and change the key part of the city that has long been neglected for this potential as a multi use contemporary city neighborhood.
University of Notre Dame
Urban design feasibility study instructed by Steven Peterson
Janiculum Hill, Rome
- Categories:
- Share:


text:
Russia, China unite with major cyber pact
Russia and China on Friday signed an extensive cybersecurity pact, The Wall Street Journal reported.
The deal unites the United States's two main cyberspace adversaries and will likely exacerbate cybersecurity tensions between the U.S. and China. It also signals Russia's pivot to the East as it clashes with the West over its military action in Ukraine.
{mosads}Under the agreement, the two countries have agreed not to hack each other, reserving their formidable cyber prowess for other purposes.
The two world powers also pledged to thwart technology that might "destabilize the internal political and socio-economic atmosphere," "disturb public order" or "interfere with the internal affairs of the state."
Additionally, both sides will swap cyber threat data and exchange information technology.
The agreement has been rumored since last fall.
"Both the Russians and the Chinese have a joint interest in the conduction of information security, which is clearly very different from the one that we have in U.S. and Europe," Ian Wallace, co-director of New America Foundation's Cybersecurity Initiative, told The Hill in November. "They're focused on regime stability."
U.S. cyber relations with Russia and China have disintegrated precipitously over the last few years.
A U.S.-Russia cyber working group was essentially frozen in 2014 over Moscow's military action in Ukraine. And China pulled out of its own cyber working group with the U.S. after the Justice Department last year indicted five Chinese military members for hacking.
China has further irked the international business community and U.S. officials with its recent attempts to install laws requiring foreign firms operating in China to use Beijing-approved encryption and hand over all source code for inspection.
Friday's agreement is further evidence of this widening gap in opinions over the state's role managing the Internet.
While the U.S. and Europe think the Internet should be a worldwide hub of free expression, countries like Russia and China believe governments have a right to control digital information.


text:
NORTH PLATTE, Neb. – A traveling photography exhibit by renowned nature photographer Michael Forsberg of Lincoln along with a documentary by Forsberg and filmmaker Peter Stegen called "Follow the Water" is on display at the Lake McConaughy Visitor and Water Interpretive Center from Nov. 15 through Feb. 2, 2020. Forsberg's imagery of wildlife and landscapes has long been revered for its contribution to conservation. His honors include the Ansel Adams Award for Conservation Photography from the Sierra Club and Environmental …Read More »
Home » Tag Archives: Michael Forsberg
Nebraska Crane Festival Celebrates Stunning Spectacle
As the Audubon's Nebraska Crane Festival celebrates 44 years in the Platte River valley this weekend, the Sandhill cranes will have commemorated a few more – at least 2.5 million more, that is. Fossil evidence suggests the Sandhill crane may be the oldest living bird species on the planet. On their ancient migratory pathway from wintering in southern U.S. and Mexico to their breeding grounds in Canada and Alaska, they converge along a small swath of braided channels on the Platte River each spring. This …Read More »


text:
The Weird Reason Your Wounds Heal Faster During the Day Than at Night-time
We often think of sleep at night as a restorative function: a vital quiet time that recharges and mends our bodies. And it is, but perhaps not quite the way we imagine. In fact, recent research shows that when it comes to wound healing, our bodies actually heal significantly faster if the injury is sustained during the day rather than at night, because of the way circadian rhythms control how cells function. It used to be thought that circadian rhythms were controlled solely by the 'master clock' of the brain's hypothalamus, but scientists now think biological time-keeping extends throughout all the cells in the body. Quite how this works is complex and is still being explored, but there's no denying these mechanisms can have powerful repercussions like repairing damaged tissue at a dramatically different rate, depending on the time of day you get injured. To investigate this, in 2017 researchers at Cambridge University examined how skin cells called fibroblasts respond differently, depending on what time of day it is. When we become wounded, these fibroblast cells migrate to the affected area and produce restorative proteins such as collagen that help rebuild damaged tissue. But these first responders depend upon a protein called actin to do their job, and when there isn't enough actin, fibroblast motility is impaired. As it happens, what determines the levels of actin is circadian timing. Just like you and me, these skin cells are slaves to the day-night cycle. To examine how this works, the researchers examined fibroblast cultures grown in petri dishes. When the cultures were scratched at different times, the wounds sustained in simulated 'night' conditions healed more slowly than those during the day, due to differing speeds of fibroblast response. "This is consistent with the migratory capacity of cells, adjacent to a nascent wound, being determined by the actin dynamical state at the circadian phase when the wound is incurred," the authors explain. Experiments with live mice showed the same phenomenon, with the animals healing quicker if a cut was sustained during their waking hours than if it were imposed when they would ordinarily have been asleep. "We consistently see about a two-fold difference in wound healing speed between the body clock's day and night," explained senior author and molecular biologist John O'Neill, who also pointed out that these responses can be manipulated. "In both cells and mice, we can reset the tissue healing response by tricking the cells into thinking it's a different time of day such as by turning the lights on at night and off at different times of day for the mice, or using body clock-altering drugs on cells in the lab." These kinds of techniques could have a potentially huge effect in medical treatments, researchers think, enabling surgeons to tailor operations to times when patients might respond best. That's important, because the research also suggests the same thing is going on in human patients. When the team analysed clinical data from patients who had received burn injuries, they found a stunning differentiator in treatment outcomes. Burns sustained at night (defined as 8 pm8 am) took on average about 60 percent longer to effectively heal than the same kinds of injuries sustained during the day: 28 days for night burns, compared to just 17 days for burns received between 8 am and 8 pm. That's a big gap, and it's something that could potentially lead to new kinds of medical treatments centred around the science of circadian rhythms. "Not only could novel drug targets be identified, but also the effectiveness of established therapies might be increased through changing what time of day they are given," said one of the researchers, respiratory clinician John Blaikley from the University of Manchester. As for why we heal more slowly at night, nobody can say for sure, although the researchers speculate it may be an evolutionary adaptation: we heal faster during the day, because that's when we are more likely to be active and become injured. There's a lot more research to do before we can take advantage of this, but it's just the latest evidence of how fundamentally influential circadian biology is to our overall health, affecting not just our sleeping patterns, but also our appetite, state of mind, and behaviour too. The findings were reported in Science Translational Medicine.
Science Alert, 19 November 2018 ; http://www.sciencealert.com.au


text:
Today we'd like to introduce you to Maria Müller, Giorgia Valenti, Ana Moioli and Isabella Uzcátegui.
Maria, Giorgia, Ana and Isabella, before we jump into specific questions about the business, why don't you give us some details about you and your story.
We're all international women artists who united our diverse voices to share our stories with the US audience. It all started when Maria Müller (from Romania) reached out to Giorgia Valenti (from Italy/India) and Ana (from Brazil) to put up a play. We didn't know what play, where and how it would be produced, but we were determined to make it happen. Ana had worked with Isabella Uzcátegui (from Venezuela/Panama/Mexico) on another show before and invited her to join as the director. After a few conversations, we soon realized that our interests were very much aligned, and there was so much we were eager to create together that one project would not be enough – we had to become a group and we had to keep working. We had to become Et Alia. "Et Alia" is Latin for "And Other." Together, we create art for the other, by the other and about the other. For our first show, we ended up choosing Running in Place, a play by Hasnain Shaikh, a playwright Giorgia knew from back in India, whose work had never been produced in the US. Since then, we've been working on plays written by our own members, and we're now open for submissions of original plays for our future projects.
Great, so let's dig a little deeper into the story – has it been an easy path overall and if not, what were the challenges you've had to overcome?
It has not been a smooth road. It has been an amazing learning process, but it had its ups and downs. Some of the struggles we had included having to do everything ourselves, finding trust-worthy collaborators and getting audiences to come to our performances. None of us had any marketing experience, for example, but Giorgia took on that responsibility and became our marketing director. Maria has only ever designed her website, but she volunteered to design the company's and to update it regularly. Ana helped a lot with finding collaborators. It seems like every one of her friends has probably helped us at some point, in one way or another; whether it was taking pictures/videos of our shows or jumping on board as actors last minute, Ana's network quickly became our network as well. We all had to bring our resources and skills to the table, because who else was going to do it for us? Things were especially challenging at the very beginning because it took some time for us to make a name for ourselves and get people interested in what we have to say. Although we still have a very long way to go, we are learning from our experiences and trying to cultivate our community.
Please tell us about the company.
We mostly do theater! For now. We are open to taking on other disciplines in the future, especially because our interests are so diverse. We are all dancers/movers and we all love on-camera acting as well, so who knows what the future will bring for us in that sense.
Our first show was Running in Place, written by Hasnain Shaikh and directed by Isabella. Our second full production was On How To Be A Monster, written by Maria and directed by Federica Borlenghi. In between the two productions, we organized two staged readings: one of Maria's play, directed by Patricia Marjorie and another of Isabella's play, Lolique, directed by Ana. We are very interested in giving opportunities to women and internationals! We think that what sets us apart is exactly that. Our mission is to create an accepting community that inspires artists to create beyond their comfort zones and collide with an array of international voices that may be culturally unfamiliar.
The thing we are most proud of as a company is not a project per se, but our willingness to explore and take on challenging work. The word "no" is not in our vocabulary. We are open to all sorts of ideas and collaborations and we have been good at making things happen; things that might have sounded impossible or things for which we had a very short period of time. We are a company of dreamers and we are making those dreams come true. And we are all about new work! We want to read new scripts written by new writers and we often encourage artists to step into a role they have never had experience in but are drawn to. For example, Ana directed for the first time one of our staged readings. Maria wrote to her play and more! All of this is extremely thrilling.
Is there a characteristic or quality that you feel is essential to success?
Many essential characteristics comprise a successful company, so it is difficult to choose one. But we would say the most important ones are perseverance and willingness to say "yes" to every challenge. There have been so many obstacles in our way, but instead of giving up on a project, we continued. For example, we only had three weeks to put up our most recent show, On How To Be A Monster, which has a cast of 9. Looking at everyone's schedule, we thought it was going to be impossible to rehearse. But we finally made a rehearsal schedule. Soon after, one of our actors had to drop out, so we had to recast him! Then, it was so difficult to find time for tech.
We thought we weren't going to have a tech at all – which is disastrous for a show. But we finally figured out a date and time – the day before the show from 8-10 AM and then from 11 PM-1 AM. It was exhausting, but we did it. We also didn't have a big budget for the show, so it was challenging. Most of the money went to one particular costume because without it, the show wouldn't have made sense. So, since we were out of money, we had to source props and other costumes. It felt like such a battle. But we persevered and in the end, when the show was done and the reviews came out, it was so worth it!
Similarly, had we not said "yes" to the new roles this company almost "forced" us to take on, we would not have been able to get the company to where it is now. There have been many times when we were faced with things that we had no idea how to handle, but we opened our arms and said, "Come on challenge. I am saying yes to you!"
Contact Info:
- Website: www.etaliatheater.com
- Email: firstname.lastname@example.com
- Instagram: https://instagram.com/etaliatheater?r=nametag
- Facebook: https://www.facebook.com/EtAliaTheater/
Image Credit:
Pranav Kothary
Suggest a story: VoyageATL is built on recommendations from the community; it's how we uncover hidden gems, so if you or someone you know deserves recognition please let us know here.


text:
Employment Agreement - Carreker Corp. and Joseph M. Rowell
EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (this "AGREEMENT") is entered into as of the 6th day of June, 2001, between Carreker Corporation, a Delaware corporation (the "COMPANY"), and Joseph M. Rowell. ("MR. ROWELL") RECITALS Mr. Rowell agreed to commence employment by the Company effective as of the Closing. This Agreement sets forth in definitive form the terms of Mr. Rowell's employment by the Company. NOW, THEREFORE, in consideration of the foregoing and the mutual agreements of the parties contained herein, the Company and Mr. Rowell hereby agree as follows: 1. EMPLOYMENT. The Company will employ Mr. Rowell and Mr. Rowell accepts employment with the Company for a period of three (3) years (the "Initial Period") beginning on the date of closing of the acquisition of Check Solutions Company (a New York General Partnership) by the Company (the "Closing"). This Agreement shall automatically renew for successive one (1) year terms ("Renewal Periods") unless either party notifies the other at least six (6) months in advance of the expiration of the Initial or any Renewal Period. Mr. Rowell's employment may continue after the Initial or any Renewal Period but he will then be deemed an employee at will under Texas law. The obligations of the Company and Mr. Rowell set forth in that certain "Senior Staff Non-Competition Agreement" and in that certain "Senior Staff Confidentiality and Intellectual Property Ownership Agreement" (each as defined in Section 7) (referring to noncompetition, intellectual property rights, trade secrets and confidentiality, respectively) and in Section 8 (referring to termination) will survive termination of Mr. Rowell's employment, regardless of reason, as provided in such agreements. Notwithstanding the foregoing, the Senior Staff Non-Competition Agreement shall not survive termination of Mr. Rowell's employment where such termination, pursuant to Section 8(b), is a result of a breach by the Company for nonpayment of any amounts due hereunder. 2. DUTIES. Mr. Rowell will be employed initially as President of the Check Solutions group, reporting directly to Michael D. Hansen, head of the Global Solutions division. Mr. Rowell agrees that, to the best of his ability and experience, he will at all times perform such duties and obligations as may be assigned to him, consistent with his position, by Mr. Hansen or his successor. Mr. Rowell acknowledges and agrees that the primary location of his employment will be in Memphis, Tennessee or its environs, that he will spend substantial time in Memphis, Tennessee and other locations where the Company transacts (or proposes to transact) business EMPLOYMENT AGREEEMENT - Page 1 <Page> and undertake such other business travel as is reasonably required in the discharge of his duties set forth below and for the successful operation of the Company. 3. FULL-TIME EMPLOYMENT. Mr. Rowell's employment will be on a full-time basis, in accordance with standard employee policies of the Company, including the rules of any employee handbook and all other rules and policies the Company might announce from time to time. In addition to such restrictions as are set forth in the Noncompetition, Property Rights and Trade Secrets Agreement referenced herein, Mr. Rowell will not engage in any other business or render any commercial or professional services, directly or indirectly, to any other person or organization, whether for compensation or otherwise, provided that Mr. Rowell may (a) provide incidental assistance to family members on matters of family business; or (b) engage in charitable activities on behalf of civic, educational or other nonprofit organizations; (c) serve with or without compensation on advisory boards of directors; and (d) serve with or without compensation on non-competitor boards of directors; provided in each case that such activities do not conflict with or interfere with Mr. Rowell's normal full-time and first priority obligations to the Company, and provided further that with respect to service on boards of directors of any type, Mr. Rowell shall obtain prior written consent of the Chairman of the Company, which consent shall not be unreasonably withheld or delayed. Mr. Rowell may make personal investments in non-publicly traded corporations, partnerships or other entities that, to the knowledge of the Mr. Rowell, are not at the time of such investment engaged in any business activities competitive with the Company. Notwithstanding anything to the contrary contained in this Agreement, Mr. Rowell may make personal investments in publicly traded corporations regardless of the business they are engaged in, provided that Mr. Rowell does not at any time own in excess of two percent (2%) of the issued and outstanding stock of any such corporation. 4. SALARY; POTENTIAL INCENTIVE COMPENSATION; STOCK OPTIONS. (a) SALARY. Mr. Rowell's annual base salary for the Initial or any Renewal Period will be $350,000 unless and until increased as set forth below ("Base Salary"). All Base Salary will be payable on the Company's regular payroll dates, less required withholdings. At least annually, Mr. Rowell's Base Salary shall be reviewed by the Board of Directors or a committee thereof, and, may, in their sole discretion, be increased from time to time during the Initial or any Renewal Period in light of merit, cost of living changes, and base compensation levels for similar executive positions in the Company's industry. In addition, the Company will pay Mr. Rowell his pro-rata share of his planned 2001 annual Operating Profit Incentive Plan (annual plan of $135,000), computed from January 1, 2001 through the date of Closing. This amount, less required withholdings, will be paid within thirty (30) days of Closing. EMPLOYMENT AGREEEMENT - Page 2 <Page> (b) COMPANY BONUS PLAN. The target bonus for Mr. Rowell's position for each annual period is set at 70% of Base Salary. For the period from Closing through January 31, 2002, the target bonus for Mr. Rowell will be prorated and earned as follows: - One fourth of the target bonus will be earned (17.5% of Mr. Rowell's actual Base Salary earned from Closing through January 31, 2002), with such bonus to be paid concurrently with the Company's payment of bonuses to other Company executives, or, if no such bonuses are earned by other Company executives, within thirty (30) days of release of the Company's January 31, 2002 10-K, if: - The Company is able to recognize at least $45.0 million in revenues from Check Solutions heritage products and services during its fiscal year ended January 31, 2002. This $45.0M revenue objective will be downward adjusted if Carreker and Joe Rowell mutually conclude that for reasons out of the control of Check Solutions that Carreker will not be able to carry forward to its opening balance sheet 100% of Check Solutions Deferred Maintenance balance and at least $6.5M of Check Solutions Deferred Software balance on the date of Closing. - One fourth of the target bonus will be earned (17.5% of Mr. Rowell's actual Base Salary earned from Closing through January 31, 2002), with such bonus to be paid concurrently with the Company's payment of bonuses to other Company executives, or, if no such bonuses are earned by other Company executives, within thirty (30) days of release of the Company's January 31, 2002 10-K, if: - The Company is able to recognize at year to date revenues from Check Solutions heritage products and services during the fiscal year ended January 31, 2002 as follows: - $ 9,477,000 through July 31, 2001; - $25,053,000 through October 31, 2001; and - $45,083,000 through January 31, 2002 These year to date revenue objectives will be downward adjusted if Carreker and Joe Rowell mutually conclude that for reasons out of the control of Check Solutions that Carreker will not be able to carry forward to its opening balance sheet 100% of Check Solutions Deferred Maintenance balance and at least $6.5M of Check Solutions Deferred Software balance on the date of Closing. - One fourth of the target bonus (17.5% of Mr. Rowell's actual Base Salary earned from Closing through January 31, 2002) will be earned, with such bonus to be paid concurrently with the Company's payment of bonuses to other Company executives, or, if no such bonuses are earned by other Company executives, within thirty (30) days of release of the Company's January 31, 2002 10-K, if: - The company is able to recognize a mutually agreed upon gross contribution margin for the new Check Solutions group for the period from the date of Closing through January 31, 2002. EMPLOYMENT AGREEEMENT - Page 3 <Page> This gross contribution margin will be computed by adding (i) the forecasts of the Carreker core competencies joining CSG (such forecasts to be realistic expectations for the remainder of the fiscal year, as mutually agreed to by Carreker and Joe Rowell); and (ii) the Check Solutions 2001 financial projections provided to the Carreker Board as attached as Exhibit 1 This gross contribution margin will be adjusted downwardif Carreker and Joe Rowell conclude that for reasons out of the control of Check Solutions, Carreker is not able to carry forward to its opening balance sheet 100% of Check Solutions Deferred Maintenance balance and at least $6.5M of Check Solutions Deferred Software balance on the date of Closing. - One fourth of the target bonus (17.5% of Mr. Rowell's actual Base Salary earned from Closing through January 31, 2002) will be earned, with such bonus to be paid concurrently with the Company's payment of bonuses to other Company executives, or, if no such bonuses are earned by other Company executives, within thirty (30) days of release of the Company's January 31, 2002 10-K, if: - The company is able to achieve certain integration objectives, which objectives are to be mutually agreed upon by Carreker and Joe Rowell within thirty (30) days from the date of Closing. Carreker and Joe Rowell will also agree upon the allocation of this portion of the target bonus among such integration objectives. The Company bonus plan operates on a February 1 through January 31 timeframe. Beginning February 1, 2002, Mr. Rowell will be eligible to participate in this plan and will have the opportunity to earn a bonus when the Company meets certain profitability goals. The target bonus for Mr. Rowell's position for each annual period is set at 70% of Base Salary. Such bonus shall be paid concurrently with the Company's payment of bonuses to other Company executives. The Chairman and Chief Executive Officer, with concurrence from the Company's Board of Directors, will determine the actual amount of the target bonus to be received. It is possible to receive more than the target percentage based on the Company exceeding the Incentive Plan and at the discretion of the Chairman and Chief Executive Officer. Mr. Rowell acknowledges that the Company's Board of Directors has complete and sole discretion (exercisable in good faith) to establish and revise any and all of the Company's bonus plans and payout levels; provided, however, that no such action may retroactively alter or limit the amount of any incentive compensation actually received and/or previously earned by Mr. Rowell. (c) STOCK OPTIONS. At Closing, Mr. Rowell will receive a non-qualified stock option of 100,000 shares of common stock. The vesting will be a three (3) year schedule, i.e., 1/3rd vesting for each year of continuous employment. The per share option price will be determined as market value (closing price) on the day of grant. If Mr. Rowell should receive stock options on a vesting schedule, all unvested options shall vest immediately upon the occurrence of any of the following: a Change of Control (as defined below), the termination by the Company of Mr. Rowell's employment without Cause, Mr. Rowell's resignation pursuant to Section 8(b) of this Agreement, Mr. Rowell's permanent disability, or Mr. Rowell's death. Each such option shall be issued under and pursuant to the Company's Amended and Restated 1994 EMPLOYMENT AGREEEMENT - Page 4 <Page> Long-Term Incentive Plan, with terms and conditions as provided therein except as expressly provided herein. Mr. Rowell will also be eligible to receive such other options that the Company's Board of Directors shall, in its sole discretion, hereafter determine to grant to him. For purposes of this Agreement, a Change of Control shall have occurred if, as the result of a completed tender offer, merger, consolidation, sale of all or substantially all of the Company's assets, acquisition of shares or contested election, or any combination of the foregoing transactions, (a) any person, together with its affiliates and related parties, shall become the owner, beneficially or of record, of more than fifty percent (50%) of the aggregate voting power of the Company, or (b) during any period of two (2) consecutive years, individuals who at the beginning of such period constituted the Board of Directors of the Company (together with any new directors whose election to such board or whose nomination for election by the shareholders of the Company was approved by the directors then still in office who were either directors at the beginning of such period or whose election or nomination for election was previously so approved) cease to constitute a majority of the Board of Directors of the Company, or (c) a merger or consolidation of the Company with any other corporation or entity, other than a merger or consolidation which would result in the voting securities of the Company outstanding immediately prior thereto continuing to represent (either by remaining outstanding or by being converted into voting securities of the surviving entity) more than fifty percent (50%) of the combined voting power of the voting securities of the Company or such surviving entity outstanding immediately after such merger or consolidation; provided, however, that a merger or consolidation in which the Company is the surviving entity (other than as a subsidiary or affiliate of another entity) and in which the Board of the Company after giving effect to the merger or consolidation is comprised of a majority of members who are either (i) directors of the Company immediately preceding the merger or consolidation, or (ii) appointed to the Board of the Company by the Company (or its Board) as an integral part of such merger or consolidation, shall not constitute a Change in Control of the Company; or (d) the stockholders of the Company approve a plan of complete liquidation of the Company or the sale or disposition by the Company of all or substantially all of the Company's assets other than (x) the sale or disposition of all or substantially all of the assets of the Company to a person or persons who beneficially own, directly or indirectly, at least fifty percent (50%) or more of the combined voting power of the outstanding voting securities of the Company at the time of the sale or (y) pursuant to a dividend in kind or spin-off type transaction, directly or indirectly, of such assets to the stockholders of the Company. (d) ADDITIONAL STOCK OPTION GRANT. On Closing, Mr. Rowell will receive a non-qualified stock option for 66,000 shares of common stock. All shares issued under this option grant will vest in their entirety on the third anniversary of the Closing. The per share option price will be determined as market value (closing price) on the day of grant. All unvested options shall vest immediately upon the occurrence of any of the following: a Change of Control (as defined above), the termination by the Company of Mr. Rowell's employment without cause, Mr. Rowell's resignation pursuant to Section 8(b) of this Agreement, Mr. Rowell's permanent disability, or Mr. Rowell's death. Each such option shall be issued under and pursuant to the EMPLOYMENT AGREEEMENT - Page 5 <Page> Company's Amended and Restated 1994 Long-Term Incentive Plan, with terms and conditions as provided therein except as expressly provided herein. 5. BENEFITS. Mr. Rowell will also be entitled to insurance, vacation and other employee benefits commensurate with his position (and reasonably consistent with the benefits afforded other executive officers of the Company) in accordance with the Company's standard employee policies in effect from time to time. Mr. Rowell acknowledges receipt of a summary of the Company's standard employee benefits policies in effect as of the date of this Agreement. 6. REIMBURSEMENT OF NORMAL BUSINESS EXPENSES. The Company will, in accordance with the Company's policies and practices in effect from time to time, reimburse Mr. Rowell for all other out-of-pocket reasonable business expenses incurred by Mr. Rowell in connection with the performance of his duties under this Agreement, upon submission of the documentation required pursuant to the Company's standard policies and record-keeping procedures. The Company will reimburse Mr. Rowell's out-of-pocket expenses for monthly dues to Southwind or such other country club as may be mutually agreed upon for entertainment and networking. In addition, upon Mr. Rowell's submission of expense documentation in accordance with the Company's standard policies and record-keeping procedures, the Company shall reimburse Mr. Rowell for automobile lease payments for the remainder of the current term of his existing automobile lease. 7. INTELLECTUAL PROPERTY. Simultaneously with the execution of this Agreement and as a condition of his employment, Mr. Rowell agrees to execute and deliver (if he has not done so already) that certain Senior Staff Non-Competition Agreement between him and the Company, a copy of which is attached to this Agreement as Attachment A, and that certain Senior Staff Confidentiality and Intellectual Property Ownership Agreement between him and the Company, a copy of which is attached to this Agreement as Attachment B. 8. TERMINATION. (a) BY THE COMPANY. Notwithstanding Section 1, the Company may terminate Mr. Rowell's employment at any time during the Initial or any Renewal Period with or without Cause (as defined below), provided that the Company shall provide Mr. Rowell six months written notice for termination without Cause. The Company shall not be required to provide notice for a termination with Cause, except as set forth herein. (b) BY MR. ROWELL. During the Initial or any Renewal Period, Mr. Rowell may terminate his employment upon fifteen (15) days written notice to the Company if he has "Good Reason" (as defined herein) or if the Company is in material breach of this Agreement; provided, however, that such material breach shall permit such termination only if the Company shall have been provided at least 15 days' prior notice and opportunity to cure such material breach. A failure by the Company to pay to Mr. Rowell any amounts due under this Agreement in EMPLOYMENT AGREEEMENT - Page 6 <Page> accordance with the terms hereof shall be deemed a material breach. Any such termination for Good Reason or material breach shall have the remedy set forth in Section 8(c). As used herein, "Good Reason" means the occurrence, without Mr. Rowell's prior consent, of any of the following: (i) the assignment to Mr. Rowell of any duties inconsistent in any material respect with a President of the Check Solutions group or similar position; or (ii) the Company's or any subsidiary's requiring Mr. Rowell to perform services at any location outside the Memphis, Tennessee metropolitan area, other than reasonable business travel contemplated by Section 2 hereof. (c) REMEDY. Upon termination of Mr. Rowell's employment by the Company during the Initial or any Renewal Period without Cause pursuant to Section 8(a) or by Mr. Rowell pursuant to Section 8(b) only (at which time he shall cease to be an employee of the Company for all purposes), the Company will (i) pay to Mr. Rowell, on the Company's regular payroll dates and less required withholdings, the Base Salary at the rate paid to Mr. Rowell immediately prior to such termination, for the remainder of the Initial Period or for 12 months, whichever is longer; (ii) pay to Mr. Rowell annual bonuses for the remainder of the Initial Period or 12 months, whichever is longer, at such time as the Company pays bonuses, equal to the bonus to which he would have been entitled under Section 4(b) had (x) he not been terminated and (y) the Company's profitability through the fiscal quarter ended immediately prior to the effective date of termination continued at the same rate throughout the applicable bonus period; and (iii) provide Mr. Rowell with the opportunity to purchase major medical health and dental insurance reasonably comparable to employee benefits then provided to the Company's senior officers in accordance with "COBRA". Further, to the extent Mr. Rowell would otherwise be entitled to a bonus under Section 4(b), the Company will pay Mr. Rowell a prorated bonus, for that portion of the relevant fiscal year during which he worked, at such time as the Company pays bonuses, or portions thereof, to other senior executives of the Company. The Company's obligation to reimburse Mr. Rowell's monthly country club dues and related fees and business expenses (to the extent incurred following the effective date of his termination) as provided in Section 6 shall not survive termination. Other than as expressly stated in this Section 8(c), the Company shall have no other obligation to Mr. Rowell in the event of a termination by the Company without cause in accordance with Section 8(a) or by Mr. Rowell in accordance with Section 8(b). If the Company terminates Mr. Rowell's employment with Cause, none of the foregoing post-termination payments or benefits, or any other post-termination or severance payments or benefits, shall be made or provided to Mr. Rowell. For purposes of this Agreement, the term "Cause" shall mean conduct involving one or more of the following as determined by the Company in its reasonable and good faith discretion: (i) the substantial, material and continuing failure of Mr. Rowell, after written notice thereof and fifteen (15) day opportunity to cure, to render services to the Company or any subsidiary in accordance with the terms or requirements of this Agreement other than as a result of death or disability; (ii) any material act of: disloyalty, gross negligence, willful misconduct, insubordination, misrepresentation, dishonesty or breach of fiduciary duty to the Company or any EMPLOYMENT AGREEEMENT - Page 7 <Page> subsidiary; (iii) the commission of an act of embezzlement or fraud; (iv) deliberate disregard of the published corporate rules or policies of the Company or any subsidiary that results or could reasonably be expected to result in direct material loss, damage or injury to the Company or any subsidiary; (vi) material breach of the Company's or any subsidiary's published corporate policies concerning harassment, discrimination, and offensive or disruptive behavior; (vii) the unauthorized and intentional disclosure of any trade secret or confidential information of the Company or any subsidiary; (viii) knowingly committing of an act that constitutes unfair competition with the Company or any subsidiary or which induces any customer or supplier to terminate a contract with the Company or any subsidiary, or that otherwise results in direct material loss, damage or injury to the Company or any subsidiary (unless Mr. Rowell reasonably believed in good faith that such conduct was not opposed to the best interest of the Company); (ix) habitual drunkenness or an addiction to drugs; or (x) commission of a crime of moral turpitude. The Company's obligation to make payments (and provide COBRA benefits), if any, pursuant to Section 8(c) is in lieu of any damages and any other payment or other benefits that the Company might otherwise be obligated to pay Mr. Rowell as a result of the termination of Mr. Rowell's employment with the Company (including for claims of employment discrimination, wrongful termination or breach of this Section 8). The Company and Mr. Rowell agree that, in view of the nature of the issues likely to arise in the event of such termination, it would be impracticable or extremely difficult to fix the actual damages resulting from such termination and proving actual damages, causation and foreseeability in the case of such termination would be costly, inconvenient and difficult. In requiring the Company to make the payments (and provide the COBRA benefits) as set forth herein, it is the intent of the parties to provide, as of the date of this Agreement, for a liquidated amount of damages to be paid by the Company to Mr. Rowell. Such liquidated amount shall be deemed full and adequate damages for such termination and is not intended by either party to be a penalty. (d) UPON DEATH. Except as otherwise provided for in this Agreement, if Mr. Rowell dies during the term of this Agreement or any renewal, then the Company will pay his estate an amount equal to all earned and unpaid salary, prorated bonuses (if any) for that portion of the year of his death during which he worked, other bonuses (if any) accrued and payable, and accrued benefits, all as of the date of his death. (e) SURVIVAL. Mr. Rowell's and the Company's obligations under Sections 7, 8 and 9(h) of this Agreement and, to the extent that any allowable expenses have not been reimbursed as of the effective date of such termination, under Section 6 of this Agreement, will survive the termination of Mr. Rowell's employment with the Company. 9. MISCELLANEOUS. (a) NOTICES. Any and all notices permitted or required to be given under this Agreement must be in writing. Notices will be deemed given (i) when personally received or EMPLOYMENT AGREEEMENT - Page 8 <Page> when sent by facsimile transmission (to the receiving party's facsimile number), (ii) on the first business day after having been sent by commercial overnight courier with written verification of receipt, or (iii) on the third business day after having been sent by registered or certified mail from a location on the United States mainland, return receipt requested, postage prepaid, whichever occurs first, at the address set forth below or at any new address, notice of which will have been given in accordance with this Section 9(a): (i) If to the Company: Carreker Corporation 4055 Valley View Lane, Suite 1000 Dallas, Texas 75244 Attention: Chief Executive Officer Phone: (972) 458-1981 Fax: (972) 661-5158 (ii) If to Mr. Rowell: Joseph M. Rowell 3496 Windgarden Cove Memphis, TN 38125 (b) AMENDMENTS. This Agreement, including the Attachments hereto, contains the entire agreement and supersedes and replaces all prior agreements between the Company or Check Solutions and Mr. Rowell concerning Mr. Rowell's employment and employment benefits. This Agreement may not be changed or modified in whole or in part except by a writing signed by the party against whom enforcement of the change or modification is sought. (c) SUCCESSORS AND ASSIGNS. This Agreement will not be assignable by either Mr. Rowell or the Company, except that the rights and obligations of the Company under this Agreement may be assigned to a corporation which succeeds the Company as the result of a merger or other corporate reorganization and which continues the business of the Company, or a subsidiary of the Company, provided that the Company guarantees the performance by such assignee of the Company's obligations hereunder. (d) GOVERNING LAW. The laws of the State of Texas (without regard to its choice of law principles that might apply the law of another jurisdiction) will govern the validity of this Agreement, the construction of its terms, the interpretation and enforcement of the rights and duties of the parties, and any other issues that might arise with respect to hereto. (e) NO WAIVER. The failure of any party to enforce any of the provisions of this Agreement will not be construed to be a waiver of the right of such party thereafter to enforce such provisions. The waiver by any party of the right to enforce any of the provisions of this Agreement on any occasion will not be construed to be a waiver of the right of such party to enforce such provisions on any other occasion. EMPLOYMENT AGREEEMENT - Page 9 <Page> (f) SEVERABILITY. Mr. Rowell and the Company recognize that the limitations contained in this Agreement are reasonably and properly required for the adequate protection of the interests of the parties. If for any reason a court of competent jurisdiction or an arbitrator in a binding arbitration proceeding finds any provision of this Agreement, or the application thereof, to be unenforceable, then the remaining provisions of this Agreement will be interpreted so as best to reasonably effect the intent of the parties. The parties further agree that the court or arbitrator shall replace any such invalid or unenforceable provisions with valid and enforceable provisions designed to achieve, to the extent possible, the business purposes and intent of such unenforceable provisions. (g) COUNTERPARTS. This Agreement may be executed in counterparts, each of which will be an original as regards any party whose signature appears thereon and all of which together will constitute one and the same instrument. This Agreement will become binding when one or more counterparts hereof, individually or taken together, bear the signatures of both parties reflected hereon as signatories. (h) DISPUTE RESOLUTION. (i) INFORMAL DISPUTE RESOLUTION. Any controversy or claim arising out of or relating to this Agreement, the breach thereof or the relationship of the parties ("Dispute") under this Agreement shall initially be resolved as follows: Upon written request of either party, both parties shall appoint a designated representative whose task it will be to meet for the purpose of endeavoring to resolve such Dispute. The designated representatives shall meet as often as the parties reasonably deem necessary to discuss the problem in an effort to resolve the Dispute without the necessity of any formal proceeding. Formal proceedings for the resolution of a Dispute may not be commenced until the earlier of: - The designated representatives concluding in good faith that amicable resolution through continued negotiation of the matter does not appear likely; or - The expiration of the 30 day period immediately following the initial request to negotiate the Dispute. (ii) ARBITRATION OF DISPUTES. If the parties are unable to resolve the Dispute utilizing the procedure set forth in (i) above, The Dispute shall be resolved by arbitration in Dallas, Texas and, except as herein specifically stated, in accordance with the commercial arbitration rules of the American Arbitration Association ("AAA Rules") then in effect, except EMPLOYMENT AGREEEMENT - Page 10 <Page> that depositions and documentary discovery shall be freely permitted. However, in all events, these arbitration provisions shall govern over any conflicting rules that may now or hereafter be contained in the AAA Rules. Any judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction over the subject matter thereof. The arbitrator shall have the authority to grant any equitable and legal remedies that would be available in any judicial proceeding instituted to resolve such dispute, and may, in his or her discretion, award attorneys' fees, expenses and costs. (iii) COMPENSATION OF ARBITRATOR. Any such arbitration will be conducted before a single arbitrator who will be compensated for his or her services at a rate to be determined by the parties or by the American Arbitration Association, but based upon reasonable hourly or daily consulting rates for the arbitrator if the parties are not able to agree upon his or her rate of compensation. (iv) SELECTION OF ARBITRATOR. The American Arbitration Association will have the authority to select an arbitrator from a list of arbitrators who are lawyers familiar with Texas contract law; provided, however, that such lawyers cannot work for a firm then performing services for either party, that each party will have the opportunity to make such reasonable objection to any of the arbitrators listed as such party may wish and that the American Arbitration Association will select the arbitrator from the list of arbitrators as to whom neither party makes any such objection. If the foregoing procedure is not followed, then each party will choose one person from the list of arbitrators provided by the American Arbitration Association (provided that such person does not have a conflict of interest), and the two persons so selected will select from the list provided by the American Arbitration Association the person who will act as the arbitrator. (v) PAYMENT OF COSTS. Unless otherwise allocated pursuant to Section 9(h)(ii), the Company and Mr. Rowell will each pay 50% of the initial compensation to be paid to the arbitrator in any such arbitration and 50% of the costs of transcripts and other normal and regular expenses of the arbitration proceedings. (vi) BURDEN OF PROOF. For any dispute submitted to arbitration, the burden of proof will be as it would be if the claim were litigated in a Texas judicial proceeding. (vii) AWARD. Upon the conclusion of any arbitration proceedings hereunder, the arbitrator will render findings of fact and conclusions of law and a written opinion setting forth the basis and reasons for any decision reached and will deliver such documents to each party to this Agreement along with a signed copy of the award. (viii) TERMS OF ARBITRATION. The arbitrator chosen in accordance with these provisions will not have the power to alter, amend or otherwise affect the terms of these arbitration provisions or the provisions of this Agreement. EMPLOYMENT AGREEEMENT - Page 11 <Page> (ix) NATURE OF REMEDY. Except as specifically otherwise provided below, arbitration will be the sole and exclusive remedy of the parties for any dispute arising out of this Agreement. (x) EQUITABLE REMEDY. Notwithstanding the provisions of this Section 9(h) and the arbitration provided for herein, actions initiated or maintained by the parties for injunctive or similar equitable relief are not subject to arbitration, and may be brought by the parties in any court that has jurisdiction. (xi) CONSTRUCTION. This Agreement is a result of arms length negotiation between the parties during which each has been represented by counsel of its choice. Its terms shall not be construed for or against either party. IN WITNESS WHEREOF, the parties have executed this Agreement to be effective as of the date first set forth above. CARREKER CORPORATION EMPLOYEE By: John D. Carreker, Jr. Joseph M. Rowell --------------------- ---------------- John D. Carreker, Jr. Joseph M. Rowell Chairman of the Board and Chief Executive Officer EMPLOYMENT AGREEEMENT - Page 12


text:
Spider-Man's Effortless Webslinging
The web-slinging in the upcoming Spider-Man PS4 game looks absolutely effortless.
They really did a good job bringing that game mechanic to life. I think I am going to enjoy that a lot. I similarly enjoyed traversing Gotham as Batman in Arkham Knight.
I am still not sold on the fighting mechanic though. Especially the sound of the punches and kicks. But we'll see.


text:
Czech Muslim organization Libertas Independent Agency is planning to invite Dutch MP Geert Wilders to show his short anti-Islam film Fitna and discuss its message with members, news agency ANP reports. Originally, Senator Jiri Oberfalzer had invited Wilders to show his film and deliver an address in the Senate on November 30, but the invitation was canceled after criticism from other senators and politicians. Libertas spokesman Lukas Lhotan says an open discussion is the best way to tackle anti-Islam sentiment. 'We have seen what happens when prejudices are ignored, as anti-Semitism was ignored in the 20th century,' he told ANP.
Tag: Prague
Islam And The West: What Unites And What Divides Us?
What Unites And What Divides Us? Senior diplomats and experts on Islam from the United States, Iraq, Turkey, Germany, Hungary, and the Czech Republic met to discuss that topic at a conference in Prague. Here is a selection of quotes from some of those who took part.


text:
Welcome to our team's detailed review of Palermo Wifi Video Baby Monitor. We have tried our best to convey our opinion and ratings on various review aspects and hope it will help you to figure out if you should choose and bring this product into your home.
Palermo has been known for being a reputable and trusted manufacturer of baby materials, and the Palermo Wifi Video Baby Monitor proves just that. Designed with the most advanced features a baby monitor should have, especially in the high-end models.
The Palermo Wifi Video Baby Monitor is Wi-Fi enabled and is capable of transmitting sound and clear visuals as it captured it just to you. The monitor also comes with a two-way talk-back function which lets you communicate to your baby whenever you want to soothe them. Palermo Wifi Video Baby Monitor recorded audios and visuals can be shared through the Wifi system, unlike other average baby monitors.
The monitor can be used with more cameras, and you will be able to monitor what is happening in not just one but different room. And to top it all, there is an app designed for this monitor, which can be installed on your gadget so you can operate the cameras remotely. Be it a tablet, smartphone, laptop, or PC that are wifi-enabled; you will be able to see what's happening inside your home from anywhere in the world with just touches away. The camera's built-in, the two-way high-quality audio feature lets you speak to friends and family.
The monitor is also capable of a taken snapshot during the day or record video at 720P HD. While the built-in infrared night vision and motion technology alert you of any sound or movement at night.
Key Features
Wifi Enabled
With this monitor you will be able to check in on your loved ones with a touch of a button from any wifi enabled tablet, smartphone, laptop, or PC, with high-quality audio and visuals.
Bright infrared night vision
The infrared night vision and motion technology automatically turn on at night and alert you of any movement or sound inside your home.
Rotating camera
The camera allows you to see from almost any angle with the ultra-quiet movement. With a few taps, you can pan side to side up to 355 degrees, tilt up and down up to 110 degrees, and zoom in.
Additional features
The monitor comes with a YYP2P app for iPhone and Android that allows you to set alarms, stream videos or take snapshots directly from your mobile. You can connect to window/door sensors, wifi smoke alarms, doorbells, and more.
Lifetime replacement guarantee
The Company gives you a lifetime manufacturer warranties. If you ever have problems with the camera, their US-based customer service team will replace it right away.
- Item Weight – 12 ounces
- Product Dimensions – 4 x 5 x 4 inches
- Enhanced 2.4 GHz wireless technology
- Two-way talk feature
- Automatic infrared night vision
- Wifi connectivity
- Easy to operate
- Reliable
- Record and playback features
- Expensive
- Requires stable internet


text:
ob_start('ob_gzhandler'); ?>
The maximum and minimum values of the independent or dependent variables; important in ensuring that any pattern is detected.
For example a range of distances may be quoted as either:
e.g. Zack's range for his ball height was only from 50 to 60 cm in 1 cm intervals. Zoe's range was from 50 to 150 cm in 10 cm intervals.


text:
|HPE Quickspecs
|Open Link
|Network Processor
|Intel X540
|Data Rate
|Two ports, each at 20 Gbps full duplex; 40 Gbps aggregate full duplex theoretical bandwidth.
|Bus type
|PCIe v2.1 (Gen 2) x 8
|Form Factor
|Standard and low profile adapter compliant with the PCIe standard
|IEEE Compliance
|802.3, 802.3x, 802.3ad, 802.1Qaz, 802.1Qau, 802.1Qbb, 802.1ax
|RJ-45 (Two)
|CAT6 UTP or better twisted-pair
|Cable Distance
|Maximum distances for CAT6 cable are 30 meters (98 feet).
|19W maximum
|Temperature - Operating
|0° to 55°C (32° to 131°F)
|Humidity - Operating
|5% to 95% non-condensing
|RoHS Compliance
|6 of 6


text:
This article concludes a two-part series on access to coronavirus vaccines. Click here to read part 1 of this article.
Nothing captures the current corona situation, like the HIV outbreak. There was a slow response to the AIDS outbreak in 1980. Indeed, various myths arose; the virus was a creation of the USA to finish Africa, and certain Protestants argued that HIV was a curse from God for gays. Similarly, Kenya's response was slow, as described by a New York Times Article in 1993. The article quoted a doctor who stated that HIV infections would overrun the existing health infrastructure. The Kenyatta-Hospital bed capacity at the time was 2000 beds, the highest in the region.
Concurrently, scientists were working to develop a treatment for HIV. When they unveiled an effective therapy (HAART), the costs were so inhibitive to developing nations. (the drugs cost about USD 10,000-15,000 per person per year). Some people argued against treating AIDS in Africa and advocated for the "low hanging fruit" ; cost-effective preventative measures aimed at reducing the spread of AIDS. The head of USAID aptly captured this in his response to Kofi Annan's proposed budget for a possible global fund:
"The biggest problem if you look at Kofi Annan's budget, half of the budget is for anti-retroviral. If we had them today, we could not distribute them. We could not administer the program because we do not have the doctors. We do not have roads; we do not have a cold chain. This sounds small, and some people, if you traveled to rural Africa, you know this, this is not a criticism, just a different word. People do not know what watches and clocks are. They do not use western means for telling time."Andrew Nastios
Developing nations upon realizing the restrictions, high inhibitive costs, and high rates of AIDS transmission, took it upon themselves to deal with the epidemic. Governments in Brazil and South Africa started the manufacture and import generic drugs from India. Initially, this decision did not resonate well with big pharma and the US government. In South Africa, they instituted a suit for patent infringement, and many criticized this decision. The US threatened South Africa with sanctions, but the government was adamant. Nonetheless, the parties settled the matter. As a result, HIV treatment costs fell from USD 10,000 in the 1990s to USD 300 in 2002 and USD 87 in 2007.
Vaccine/cure development can cause friction between countries.
As a precursor to this discussion, we discussed the patentability of the possible corona vaccine. We began exploring the possible workarounds in patent law to prevent abuse of monopoly. (To access the article, please click here). In today's post, guided by the lessons from the HIV epidemic, we will look at other exceptions in the law that governments can utilize to facilitate access to medicine.
Parallel importation
Parallel importation refers to a situation where a country imports a drug from another country wherein the later, the manufacturer has placed the drug legally in that market. It is also referred to as the exhaustion mechanism. Governments utilize it when medications are either unavailable or unaffordable. To contextualize this, for instance, if a pharmaceutical company in the USA makes a drug and avails it in India, but the drug is not available in Kenya, a Kenyan can import the drug from India without ramifications from the USA manufacturer. Rule 37 of the Industrial Property Regulations 2002 codifies this provision.
Parallel importation gives importers leeway to import drugs from a country selling it at a lower price. According to the Pharmacy and Poisons Board, parallel importation reduces the incentive to avail counterfeit drugs as importers can bring in patented products, but at a cheaper cost. When scientists develop a corona vaccine, and it is unavailable in Kenya, the government can utilize the parallel importing provision.
Government use order
A government-use order allows the government or its agents to manufacture a patented product without the patent holder's authority. This mechanism does not require the patent holder's consent, but governments must compensate the patent holder. Section 80 of the Industrial Property Act allows governments to exploit this measure if public interest, such as health or if the Managing Director determines that the patent holder is not utilizing the patent competitively justifies. In this case, the government can license the Kenya Medical Research Institute to manufacture and import the corona vaccine for public health interests.
Many governments have utilized government use orders. For example, Thailand in 2006, authorized the Government Pharmaceutical Organization of Thailand, through a government use order to manufacture and import from India a cheaper genetic variant of a drug; Yet, a local manufacturing company had license rights in the country. Similarly, the Ghanaian government issued a government use order to import from India generic versions of selected ARVs patented in Ghana. The cost of the ARVs dropped from USD 495 per year to USD 235 for one year's treatment.
Competition law
Intellectual property grants the patent holder the monopoly over a particular invention. With the monopoly, a patent holder may abuse it by instituting unreasonable terms. The Competition Act prohibits the abuse of a dominant position and imposition of restrictive trade practices (RTPs). RTPs are agreements/actions/decisions that have the object of lessening competition in Kenya. Such methods include the use of intellectual property rights in a manner that goes beyond fair, reasonable, and non-discriminatory use. The misuse of IP rights could happen if a company imposes unfair licensing conditions regarding its pharmaceutical patent or charges high prices for its drugs. The Competition Authority would come in and protect consumers from such unreasonable terms.
For example, in 2016, the Italian National Competition Authority imposed a EUR 5.2 million fine on the pharmaceutical company Aspen for abusing its dominant position by setting unfair prices for essential medicines in Italy. According to the Authority, the company abused its dominant position by imposing price increases of between 300% and 1500%.
This pandemic has exposed an enormous appetite for nationalism. Many nations are leaning towards prioritizing national interests. One could argue that the coronavirus has retracted the steps made in globalization. When scientists develop a vaccine, the question of who gets it first will be a big one. Someone could argue that African nations need not worry as the virus has not decimated our economy. Yet, we will need the vaccine to abandon the facemasks and the social distancing rules, assuming an African country gets the vaccine first, which is highly unlikely as many of the 137 vaccines in development are in their countries. Kenya can utilize the exceptions in the law to fast track access to vaccines by its citizens. Kenya should also continue enforcing its "low hanging fruit" such as enforcing hygiene, social distance, and employing more staff in the health facilities.
Simultaneously, we need to re-imagine and rethink global health. Nationally, the government should strive to make health a priority, and it should not come after the realization of other rights. Globally, we need to re-evaluate the role of the World Health Organization and morph it into an international organization like the UN but dealing in matters of public health. The lessons from the HIV pandemic should not be in vain.
If you are interested in reading more on the topic, see:
- Paul Farmer etal, Re-imagining Global Health, (2013, University of California Press)
- B. Sihanya and Wekesa M (eds), Intellectual Property Rights in Kenya, (2009, Konrad Adenauer Stiftung)
- Donatella Lorch, After Years of Ignoring AIDS Epidemic, Kenya Has Begun Facing Up to It, The New York Times, Dec. 18, 1993, available at <https://www.nytimes.com/1993/12/18/world/after-years-of-ignoring-aids-epidemic-kenya-has-begun-facing-up-to-it.html>
Coming up next week:
Guest contribution.


text:
Happy release day to The Scapegracers by H.A. Clarke from Erewhon Books. This book is perfect for people who want to read about lesbian witches who are gay written by a queer author. In this young adult debut, Sideways Pike, an outcast, casts a spell at a Halloween party and accidentally forms a coven with three popular girls. Clarke hops by the blog to talk inspiration, craft, friendship, and a multitude of music recs.
Buy links: Bookshop | Unabridged Books | Barnes and NobleContinue reading


text:
The Glenfiddich 15, deconstructed
750 ml bottle of artistic creation; 3 X 100 ml bottles of inspired ingredients
Tasting notes:
Recently Struan Longbeard (approximate last name), the brand ambassador for Glenfiddich, gave us the chance to experience the Glenfiddich 15, deconstructed. By that was meant that alongside the Glenfiddich 15, we'd have the opportunity to taste the three components that constitute it. Always eager to pull the curtain back while simultaneously betraying our ignorance, we leapt at the opportunity. Brian Kinsman, the Glenfiddich Malt Master and William Grant & Sons Master Blender, evidently determined that the 15 should be comprised of 60% bourbon cask fill, 30% sherry cask fill, and 10% new oak cask fill, each aged at least 15 years. Afterwards, as per the Glenfiddich website, the blend is put into large Portuguese oak marrying tuns for up to nine months before adding Robbie Dhu springwater to bring the dram to the desired abv.
Two thoughts: First, if one wished to restrict the blend to 5% increments of the three different cask fills, then one would have to sample 20*20*20 = 8,000 different mixes to decide upon the *right* mixture. (Sign us up!) Presumably, though, a large part of being a Malt Master is the spectrum-artistry and knowledge-base to quickly narrow choices down—perhaps, for example, whisky aged in new oak would provide no more than a tannic spine. Thus, a Malt Master would never use more than 10 or 15% of it. Similar stories might obtain with the bourbon and sherry casks, and so it may be that Kinsman only needed to try a few dozen blends before settling on the above formula. My second thought was to review each of the bourbon, sherry, and new oak fill, then write the Glenfiddich 15 review using 60%, 30%, and 10% respectively of the words from those reviews. The more I thought about it, though, the sillier it seemed.
The bourbon-fill starts with candy, vanilla, premium suntan lotion, apple cores, the Lego Movie (Everything is Awesome!), and a lacquered shakuhachi blowing infrasonic dirges at the legendary gnat graveyard. The mouth tastes like going to sleep in the greatest bed in the world that has the best linens in the world on it. Upon waking, you take out your pencil that substitutes lemon rind for lead, and write, in your Moleskine planner, "Delicious LED-light bright caramel goodness eclipsed by a mango supernova. Also: Inverted vinegar and Calla lilies dried by Maria Callas." The finish is a cronut with craisins, melting on the tongue like snow in April, and softly passing like ladybugs in December. It lingers like moonlight on a June night.
The sherry-fill noses like the inside of a rhinoceros-horn pipe used to smoke cheroot tobacco during a peace meeting on the Siberian landbridge. (Anachronistic? Yes. Apt? Yes.) The smell of your paramour's auburn hair in early autumn as you walk towards a bonfire in an ex-Druid grove. Manic gyroscopes of maraschino cherries whirled with black tea and unripe fruit. The mouth is tart and drying, like an overly-critical 10th grade teacher. My palate is being desiccated by a weaponized sponge. Finishing with a saturated doormat on a north-facing home in Oregon that's surrounded by blooming blue and black dahlias.
The new oak-fill was memorably likened to "escaping the room"—in the sense that we were filled with some dread going in, but felt just fine coming out. The mouth is phenomenal, in an early 19th century Tübingen way (said Stephen, as he went full Hegel on us.) By that, if I may adduce my own experience, he means that the mouth is actually the most balanced and, remarkably, less tannic than sherry-fill. It's the unknown Spice Girl, Buttery Spice, shaking her groove thing. Finishing long and strong like a championship team that came alive in the playoffs.
The Glenfiddich 15 itself noses like a sublimely light solera cask, or maybe a de-fruited lemon half used to float a baby shrew across an alpine lake. That is to say, it's delicate and restrained, but not afraid to drop trou on a Tuesday night at the disco. Imagine a white ashwood chalice turned on a lathe at the Louisville Slugger Factory, coated with beeswax, then filled with starfruit pulp, apricot jam, and honey. Nearby, someone with very large hands is gingerly juggling five kiwis. The mouth is a milk weed milked by the fairest maiden in the kingdom; the butter made from it makes the fudgiest penuche fudge studded with the goldenest, blondest caramels and the lemoniest yellowest lemondrops. It finishes with an okey-dokely-doo oaken and butternut squash soup. John found bitter, ascerbic, sour notes…because of course he did. The rest of us found inner peace.
On the scale of old adages whose truth feels unassailable and whose wisdom is always applicable—
–Our thanks to Glenfiddich and Struan Grant Ralph for the sample!


text:
Last night, I was working on dinner. Nathan walked through the kitchen and stopped at the oven. He clicked on the light and looked inside.
"That's weird."
Mike and I looked at one another and then looked at him and both asked, "What's weird?"
Shrugging his shoulders he said, "It's empty."
Hi. My name is Donna and apparently I have a baking problem.
Links And Stuff And Such
4 hours ago


text:
Woman's remains possibly in purple suitcase and scattered in NWLA
Boulder Colorado Police requests assistance from communities throughout the country to locate the remains of Ashley Mead. Mead and her daughter, Winter were reported missing on Feb. 14 after Mead did not show up for work.
Investigators now believe Mead, 25, was killed in Boulder and her body at least partially dismembered just outside of Shreveport.
Police believe some of the victim's body parts may have been discarded in a variety of communities that the suspect passed through after the homicide.
"The Bossier Sheriff's Office is actively assisting authorities with the Boulder Police Department and Federal Bureau of Investigation in the investigation of the homicide of Ashley Mead of Colorado and the search for her remains," Bossier Sheriff Julian Whittington said in a release.
According to police, a portion of Mead's body could be in a purple suitcase. Police ask anyone that sees a suitcase placed in an odd location not to touch it and to contact their local police department immediately.
Adam Densmore, the father of Mead's child has been arrested on charges of first-degree murder. The arrest affidavit has been sealed by the court.
On Feb. 16, an autopsy was conducted on partial human remains located in a dumpster in Okmulgee, Oklahoma. The medical examiner in Oklahoma has not made an official identification; however, investigators from the Boulder Police Department and Okmulgee Police Department have tentatively identified the remains as Mead.
Detectives believe that on the evening of Feb. 12, Densmore left Boulder and traveled south to Raton, New Mexico. He continued south and east through the Texas panhandle before arriving in Haughton, Louisiana on the evening of Feb. 13. Whittington said Densmore's family lives in Haughton.
On the morning of Feb. 14, Densmore drove to Conway, Arkansas and spent the night. On the morning of Feb. 15, he left Conway and stopped in Okmulgee, Oklahoma before he was found and arrested just west of Tulsa at approximately 1:30 p.m.
Mead's daughter, Winter, was located with her father. She was unharmed and placed in the temporary care of Child Protective Services in Oklahoma.
Anyone with information regarding the whereabouts of Mead is asked to contact the Boulder Police Department at 303-441-1974.Those who have information but wish to remain anonymous may contact the Northern Colorado Crime Stoppers at 1-800-222-TIPS (8477). Tips may also be submitted through the Crime Stoppers website at crimeshurt.com. Those submitting tips through Crime Stoppers that lead to the arrest and filing charges may be eligible for a cash reward of up to $1,000 from Crime Stoppers.


text:
Of course, spring is nowhere to be seen right now in the Antipodes, so there aren't any current suitable subjects, unless one thinks outside the spiral. And I'm (supposed to be) in the depths of a brain-clogging university assignment on business ethics, so am not in much of a lateral thinking mode. I took this one back in December at the Ashcombe Maze and Lavender Gardens on the Mornington Peninsula.
Five entries with an alternative take on this week's WPC:
- DC Montreal: Blowing the Whistle on Society (for those who need a good laugh)
- Flickr Comments (not for those with ovinophobia)
- Eliza Eliza (paint your own)
- Beyond the Brush (spring is not just about flowers)
- Nomad Nurpu (pets share the joy)


text:
Alenezi, Hamood, Bindemann, Markus (2013) The effect of feedback on face matching accuracy. Applied Cognitive Psychology, 27 (6). pp. 735-753. ISSN 0888-4080. (doi:10.1002/acp.2968) (KAR id:36096)
Language: English
Download (1MB)
This file may not be suitable for users of assistive technology.Request an accessible format
|Official URL:
In face matching, observers have to decide if two photographs depict the same person or different people. This is a remarkably difficult task so the current study investigated whether it can be improved when observers receive feedback for their performance. In five experiments, observers' initial matching performance was recorded before feedback for their accuracy was administered across three blocks. Improvements were then assessed with faces that had been seen previously with or without feedback and with completely new, previously unseen faces. In all experiments, feedback failed to improve face-matching accuracy. However, trial-by-trial feedback helped to maintain accuracy at baseline level after feedback was withdrawn again, even with new faces (Experiments 1 to 3). By contrast, when no feedback was given throughout the experiment (Experiments 1 to 3) or when outcome feedback was administered at the end of blocks (Experiments 4 and 5), a continuous decline in matching accuracy was found, whereby observers found it increasingly difficult to tell different facial identities apart. A sixth experiment showed that this decline in accuracy continues throughout when the matching task is prolonged substantially. Together, these findings indicate that observers find it increasingly difficult to differentiate faces in matching tasks over time, but trial-by-trial feedback can help to maintain accuracy. The theoretical and practical implications of these findings are discussed.
|Item Type:
|DOI/Identification number:
|B Philosophy. Psychology. Religion > BF Psychology
|Divisions > Division of Human and Social Sciences > School of Psychology
|Depositing User:
|Markus Bindemann
|Date Deposited:
|08 Nov 2013 09:56 UTC
|Last Modified:
|16 Feb 2021 12:48 UTC
|Resource URI:
|https://kar.kent.ac.uk/id/eprint/36096 (The current URI for this page, for reference purposes)
|Bindemann, Markus:
- Link to SensusAccess
- Export to:
- RefWorks
- EPrints3 XML
- BibTeX
- Depositors only (login required):


text:
Please visit the COVID-19 response page for resources and advice on managing through the crisis today and beyond.
Members access their plan information, personalized treatment cost estimates and transaction history in real-time through intuitive, easy-to-use features.
Health plan members need accurate, timely information about their coverage, benefits, costs and provider options to make optimal decisions about their care. TriZetto® EngageMember® enables payer organizations to equip members with real-time access to data in TriZetto core systems.
Through EngageMember's intuitive interface, health plan members access coverage, claims, personalized treatment cost estimates, provider comparisons, out-of-pocket costs and benefits information. Accurate, up-to-date data enables members to make better-informed healthcare decisions that lower their cost of care. These rich, satisfying experiences can help improve member retention and reduce payer operating costs.
EngageMember is pre-integrated with TriZetto core administration systems and can connect to other critical applications and third-party systems via its powerful data management layer. Data from disparate systems must be normalized and prepared for use by other systems. Robust administrative capabilities let your business users customize EngageMember without coding or help from IT to manage your brand and message and easily create and maintain treatment profiles needed for accurate treatment estimates. EngageMember data management accomplishes this, powering smooth, real-time bi-directional data flows while eliminating custom batch integrations, expensive software upgrades and integration maintenance. Members can gain a holistic picture of their treatment costs and plan transactions, while payers may reduce IT and operating costs.
Enables physicians and other care providers to access detailed information on their patients, efficiently log claims and make templates for common claims, as well as easily create referrals and authorizations.
Members may interact anytime, anywhere and receive a detailed view of their coverage information with compelling metrics, timely notifications and relevant healthcare content.
Offers end-to-end solution that pairs modular SaaS products with industry-leading strategic consulting to connect disparate systems, standardize data and enable secure, authenticated access in real-time.
Technology solutions that allow our clients to focus on managing business, not IT
Growing member loyalty with great experiences powered by...
Leverage the power of next-generation technologies to build a stronger, agile business.Learn more
Services to manage your infrastructure so you can manage your business.Learn more
Unrivaled resources and healthcare expertise to meet your IT business needs.Learn more
Software, technology, expertise and proven methodologies to help you manage your business more effectively.Learn more


text:
Air-to-air heat pumps rely on the heat present in the air, whereas geothermal heat pumps pull heat from deep in the ground where the temperature is usually constant, between 45°F (7°C) and 75°F (21°C). This means that less heat needs to be pulled from the air to achieve an optimum temperature.
Heat pumps are best for moderate climates. Another heat source may be needed in areas that get very cold. Geothermal pumps cost about $3,000, and air-to-air cost about $1,000.
Costs vary greatly by region (and even by zip code). To get free estimates from local contractors, please indicate yours.
80-Gallon Water Heater Cost
Air Conditioning Repair Cost
Ductless Air Conditioner Cost
Ductwork Cost
Electric Furnace Installation Cost
Electric Water Heater Installation Cost
Fire Protection Cost
Furnace Installation Cost
Gas Furnace Installation Cost
Gas vs Electric Furnace Cost
Geothermal Heating Installation Cost
HVAC Inspection Cost
Heat Pump Cost
Heat Pump Repair Cost
Home AC Recharge Cost
Oil Furnace Installation Cost
Radiator Replacement Cost
Smart Thermostat Installation Cost
Solar Pool Heater Installation Cost
Swimming Pool Heater Installation Cost
Tankless Water Heater Installation Cost
Water Heater Installation Cost
Water Heater Repair Cost


text:
[vc_section css=".vc_custom_1516383612621{margin-top: 36px !important;margin-bottom: 36px !important;padding-top: 36px !important;padding-bottom: 36px !important;}"][vc_row][vc_column css_animation="none"][vc_column_text css_animation="none"]The EastLake Leadership College seeks to admit students who exemplify excellence in all areas of their life. After receiving an applicant's transcripts and written application, we will schedule an in-person interview for each qualified candidate for admission. Through both the written application process and the in-person interview, we are able to best identify and select students that are well suited for the program. We value character and integrity as highly as we value academic achievement and are looking for students who want to grow and excel in every aspect of their personal and spiritual life. To begin the application process, please visit eastlakeleadershipcollege.com/apply.
Upon acceptance into EastLake Leadership College, each prospective student will apply to Southeastern University for admission into one of its degree programs. For more information, visit the Southeastern University website.[/vc_column_text][vc_separator][/vc_column][/vc_row][vc_row][vc_column][vc_column_text css_animation="none"]
Financial FAQ
- Your tuition and fees provide for all instructional activity, travel and housing at the Exponential Conference, and access to Southeastern University's online curriculum. This fee does not include room and board or books.
- Southeastern University's accreditation renders its students eligible for federal financial aid and loan programs to cover the cost of the program. For more information on financial aid, visit the Southeastern University website.
- Students are eligible to use any scholarships that can be awarded directly to the student or Southeastern University.


text:
Apple on Monday will announce more details about its first smartwatch, likely addressing many of the questions left unanswered when the Apple Watch was initially unveiled during the iPhone 6 event last September. The company is expected to reveal exact pricing details for all the various Apple Watch models and accessories, alongside launch details for several markets. Furthermore, the company will likely address battery life concerns for the device, and further demo its features and customization options.
Speaking of Apple Watch personalization, French publication iPhonote says it learned from a source familiar with Apple's plans that the company intends to offer engraving options to Watch buyers in the future, just as it does with some other products.
FROM EARLIER: Design your own Apple Watch weeks before it comes out with this awesome website
Such a feature certainly makes sense for this particular device, as Apple would be able to further set it apart from the smartwatch crowd.
Buyers will apparently have the option to commemorate various events by gifting engraved Apple Watches to loved ones, something that should only reinforce the idea that the Watch, or at least some versions of it, will be considered more of luxury device than just a simple smart gadget.
It's not clear whether the feature will be available to buyers at launch or whether it'll be rolled out down the road.
A release timeframe for the device's European debut also isn't available at this point.


text:
Maryland Multi-Housing Association (MMHA) awards Humphrey "Making A Difference" Award for Community Connections Program Each May, Humphrey Team members across four states participate in the Community Connections Program, offering time at local community organizations. This year, the company team members donated close to 1,650 hours of time volunteering at 28 organizations throughout Maryland, Virginia, Pennsylvania,read more
Construction begins on Humphrey's newest community, Snowden Creek, in Eldersburg, MD Humphrey Management, in a joint venture with RMC Real Estate Development, is proud to present the newest luxury Senior Community for residents 62 & better in Eldersburg, MD. Construction has begun on the 109-unit building, located on Oklahoma Road near the South Carroll Seniorread more
Humphrey Management and Howard County Housing Commission are thrilled to announce that the second phase of Burgess Mill Station, a market-rate community, is fully occupied! On the site of the old Ellicott Terrace community sits a beautifully constructed 53-home mixed-income apartment community. Just up the hill from Old Ellicott City, residents of Burgess Mill Stationread more
Having a comfortable, clean, quality home shouldn't be a luxury. That's why Humphrey Management didn't hesitate to work with developers Foundation Development Group, Rellim Development Group, and the Poverni Sheikh Group on their latest mixed-income community in Baltimore City. Featuring 80 studio, 1, 2, and 3-bedroom apartment homes, 300 North has on-site laundry, controlled accessread more
Humphrey Management is no stranger to Pennsylvania, with several communities in the Susquehanna Valley. Along with PIRHL, and the Cumberland County Housing & Redevelopment Authority, Humphrey is proud to announce that the first phase of The Townhomes at Factory Square is fully occupied! Previously the site of a tire & wheel factory, the site gainedread more
Humphrey Management has been awarded a 2018 Top Workplaces honor by The Baltimore Sun Media Group. The list is based solely on employee feedback gathered through a third-party survey administered by research partner Energage, LLC (formerly WorkplaceDynamics), a leading provider of technology-based employee engagement tools. The anonymous survey measures several aspects of workplace culture, includingread more
This year, Humphrey Management Corporate team members donated gift cards totaling $445 to Voices for Children, a Howard County based organization that provides support to abused and neglected children with limited support systems, or who reside in the foster care system. Spearheading the collection of gift cards was Humphrey's Office Manager, Melody Wells. "At Humphrey,read more
This fall, many members of the Humphrey Management Corporate & Regional teams had the opportunity to participate in a volunteer opportunity at JA BizTown at the Junior Achievement offices in Owings Mills, MD. The training initiatives that are provided by Junior Achievement has made an impact to almost 47,500 students (and counting). Students across Centralread more
Humphrey Management brings home Spirit of Caring Award at the 2018 Maryland Multi-Housing Star Awards
Team members from Humphrey Management's Corporate and Community teams converged at Martin's West on the evening of Thursday, October 11, 2018 to celebrate multi-family excellence of both communities, and industry professionals. Humphrey was honored to be the recipient of the 1st ever Spirit of Caring Award which celebrated the involvement that Humphrey had in theirread more
Foundation #1: "Strong, long-term personal and professional relationships are a central part of our business. We treat everyone with dignity and respect." At Humphrey, the Foundations aren't just marketing catch-phrases, they're the principles that guide the business, and it shows in the relationships with owners. Through effective management of Columbia Landing, Ellicott Gardens, and Burgessread more