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Uber's market capitalisation after only five years (note 4)
High-potential, scalable technology start-ups are increasingly on the radar of banks struggling to make headway with historic business models; but do banks have what it takes to become start-up compatible?
Limited revenue opportunities, public pressure and tightening regulation have forced banks to refocus their business on 'classic' retail and business banking.
However, it seems increasingly clear that this plan may not deliver the sustainable growth hoped for. Increasing competition and a low-interest environment have continued to squeeze margins, and banks are looking for new revenue streams.
One area that has been identified by some financial institutions as a potential gold mine is start-up businesses in the 'new economy': companies active in the fields of technology, software, e-commerce, data management and digital platforms.
istorically entrepreneurs have been largely shut out from the global banking community until their ideas have become commercial propositions, large enough to talk about a trade sale or initial public offering (IPO).
Now banks, including Commerzbank (note 1), Crédit Agricole (note 2) and Deutsche Bank (note 3), are reappraising this previously ignored segment.
Banks that are looking to become attractive to start-ups must be alert to conflicts that can arise. Their own rigid and standardised processes and structures contrast with the demands of businesses that are used to operating with far greater agility, outside the bounds of other more established sectors.
40 bn
Uber's market capitalisation after only five years (note 4)
Over the past 10 years, there have been more changes in the business landscape than at any other point in history, apart from the industrial revolution. This is testament to the power of tech start-ups to change the way we do business and live our lives.
Being mass-market-oriented with low labour and capital costs means their business models are highly scalable and allow fast growth in national and international markets.
One example is the transportation network platform, Uber (note 4) set up in 2009 in San Francisco as a local cab agency, within five years Uber became a global leader in transportation, operating in 50 countries and valued at around USD 40 billion.
Of course, we tend to hear far more about tech start-up success stories, which can skew the reality that the failure rate is high. But, in our experience, even if only 10–20% of these companies reach profitable maturity, engagement is still an attractive prospect to banks because of the services they will need if they do reach a certain size, including complex cash management solutions and capital market activities.
Relationships with networks of investors, business incubators and accelerators can offer access to startups that have already overcome hurdles of quality and development
Start-ups tend to operate in ecosystems made up of investors, sponsors and other start-ups. This community of companies is an attractive proposition for banks to tap into for a number of reasons.
The German online platform Rocket Internet (note 5) is one of the most active and efficient examples of a start-up ecosystem in this field. Through an extremely efficient network, Rocket Internet identifies business models (note 6) and provides capital, know-how and expertise. Sector-specific experience and a large pool of highly skilled experts with marketing, IT, business and law backgrounds allows Rocket Internet to help start-ups rapidly enter the market at a high frequency, allowing a quick return on investment.
Relationships with such networks of investors, business incubators and accelerators can offer access to start-ups that have already overcome hurdles of quality and development.
This creates opportunities for banks to provide simple and standardized products like current accounts and electronic banking solutions to start-ups in their seed-fund phase. The start-ups that become commercially viable will soon have more sophisticated finance demands, like complex cash-management solutions and capital market activity, which creates more profitable long-term business for banks.
On the retail side, the company's employees are also attractive new clients, particularly in the portfolio management business. IPOs and trade sales create enormous private wealth and, potentially, new clients for European banks' ageing private-client business.
Apart from the financial advantages, start-ups offer banks a regional footprint and image. For global finance institutions, which can be perceived as remote and aloof, this is particularly valuable.
Banks can also leverage the start-up opportunity by teaming up with potential rivals looking to disrupt the status quo in financial markets and disintermediate banks from their traditional customer relationships.
Even if only this proportion of start-ups reach profitable maturity, engagement is still an attractive prospect for banks
Digital platforms targeting lending, fundraising and supply-chain finance have emerged in recent years, firing up the public's imagination and threatening to eat into banks' profits. Credit platforms, for example, offer borrowers the chance to meet interested investors, and payment service providers bring new and future-oriented solutions. Companies like PayPal (note 7) can establish a real market presence in a very short timeframe. In the French market, Linxo (note 8) and Bankin' (note 9) are two start-ups offering unified mobile account management to multi-banked individuals.
So how can banks get closer to the start-up ecosystem? A first level of involvement is through open collaboration, organising events or challenges around specific needs or topics. In October 2014, Société Générale hosted a 'hackathon' to develop ideas for apps tied to banking and the internet of things – resulting in no less than 30 project proposals (note 10).
At the next level, banks can initiate partnerships combining their experience with ideas from start-ups to deliver mutually beneficial offers to the market.
Banks can get closer to the start-up ecosystem through open collaboration, organising events or challenges around specific needs or topics
Ask yourself:
Begin your service transformation by:
The bank's role is key in supporting start-ups as they in turn create jobs that sustain our economy. Crédit Agricole is a main regional player, and we aim to support our territories' growth. Building relationships with start-ups will enable us to identify disruptive ideas to enrich relationships with our customers.
Bernard Larr Ivière, innovation director, fédération nationale, crédit agricole
Thirdly, there is the potential for financial involvement through corporate investment funds, joint ventures or other shareholding opportunities. BBVA Ventures, for instance, seeks strategic opportunities that can support banks' innovation agenda (note 11). Among others, they invest in a portfolio of disruptive businesses in the areas of financial technologies, big data or e-commerce.
Finally, banks such as Crédit Agricole (note 12) and Commerzbank (note 1) have launched their own private business incubators in Paris and Frankfurt am Main, respectively, to support the potential of nascent developments and secure future strategic advantages.
Making the change to become start-up-friendly
In their rush to discover the next tech start-up gold mine, banks must not underestimate the challenges of developing this rich seam.
The dynamics and idiosyncrasies of start-ups can create friction with the boundaries of financial institutions' processes and structures. Making a bank start-up-compatible is rarely possible without substantial changes to service offerings.
project proposals resulted from a Société Générale 'hackathon' in 2014 (note 10)
The necessary changes can easily be derailed by organisational issues, stemming from lack of buy-in or disagreement over priorities, or else progress peters out.
Existing client and product processes usually do not allow flexible offerings due to a high degree of process standardisation.
Over the past two decades, banks have developed specific product packages that suit the respective purpose of companies of a certain size and maturity stage. Whilst this approach may work with most companies, start-ups tend to have different requirements because of their fast-growing nature. The speed at which revenue can increase means they can quickly find that their needs are no longer catered for by a bank's off-the-shelf offering. More individual and complex solutions are needed.
To tap into the full potential, banks need a comprehensive approach that includes changes to how banks classify their customers, which usually dictates the level of service a bank offers.
The first step is to recognise the varied nature of start-ups and the need to work differently to accommodate them. Start-up-friendly banking requires special teams that can recognise start-up potential and advise them in the early stages, where companies of this size would normally be lower down a bank's priority list. The focus of those teams on start-ups helps the bank to optimise the service towards their specific needs.
Taking advantage of the undeniable potential offered by start-ups requires banks to make significant changes to their processes. Thorough project scoping and planning is necessary for a move into serving start-ups and requires concept experience, methodology and market know-how. Client segmentation, communication methods and key performance indicators (KPIs) have to be rethought, whilst still remaining compliant with regulations and other standards. Current banking rating systems focus on figures from the past like revenue, but start-up business is much more future-oriented and requires forward-looking indicators like revenue forecasting.
Standardisation, popular with banks to keep costs down, can impose unnecessary barriers for start-ups and these need to be identified and removed
As a first stage, banks need to identify whether they have an accessible portfolio of start-up clients. Start-up hotspots are usually focused on specific areas, such as Berlin or London.
An honest assessment of banks' own offerings is also necessary. They must consider whether they are able to provide sufficient and relevant services to start-ups from the seed-fund phase to the IPO.
An appraisal of the resources required to move into this space is also advised. To get the attention of start-up clients will most likely require significant commitment of investment in marketing and other internal capabilities – processes as well as the skills of bank employees.
Standardisation, popular with banks to keep costs down, can impose unnecessary barriers for start-ups and these need to be identified and removed. Accounts or payment systems that might be suitable for a regular small business do not allow for the speed of growth start-ups tend to achieve, so can become quickly outmoded. In addition, bank service levels are often segmented by revenue bracket, which can be obstructive for businesses that may need to move quickly and easily between the different stages of customer care in order to get the services and products they need.
This inflexible situation can be exacerbated if a division's focus on meeting their budget makes them reticent to upgrade client services.
Once the decision to serve start-up clients has been made, being able to identify them is a basic prerequisite. A definition using clear criteria will help to avoid potential start-ups being handled like any other regular small business in a branch.
Banks must remember that start-ups are streamlined for performance and efficiency: bank services need to fit this ethos. Start-ups are generally far less tolerant of sub-standard service than other bank users.
The very flexible nature of start-ups means they are more willing to change suppliers quickly if they experience an unfinished or inappropriate product.
Reputation damage associated with such losses can be severe due to the strong cross-network communications within start-up communities, which quickly pass around negative feedback. At the same time, getting it right can quickly create new client relationships due to positive recommendations.
Reforming a bank's offering in this way needs the input of experts experienced in interactions with start-up networks, venture capitalists and other investors. Overall, a bank needs to define a specific target and work from this to prepare internal and external measures. Tracking progress of these initiatives is crucial to keep up the momentum and spot possible problems.
The very flexible nature of start-ups means they are more willing to change suppliers quickly if they experience an unfinished or inappropriate product
In realising a start-up-friendly banking transformation, an objective, external perspective can be invaluable in offering both a neutral appraisal and access to the necessary skills.


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Try again?
Here's another excuse to draw dick pictures on your mobile device and send them to your friends. It's Draw Something 2, the follow-up to the Pictonary-like social game that captured our imaginations for exactly 1.5 weeks last year.
It might be time to jump back in as it sounds like Zynga has come up with new ways to play with others. A new live feed lets players share, like, and even comment on other drawings. You can follow friends and celebs now, just like Twitter. There's also a gallery feature that lets you store and review your works, as well as your favorite works of others.
There are new drawing tools in this sequel, with support for patterns and textures. The 8-bit pixel pen sounds neat.
Draw Something 2 is available now on the App Store for all iOS devices. It's coming soon to Android.

subset: commoncrawl


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Did you know that Phuket's newest golf course is only minutes away from Serenity Resort & Residences? Phunaka golf course phuket, features the island's best driving range, including short game practice area and a picturesque 9-holes golf course.
This is an ideal place for those who like to take up the game and take advantage of their world class training facilities or for established players who prefer not to spend an entire day for golf by driving to one of the 18-holes courses in Phuket.


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Why CrossMed? CrossMed was created by a group of women who wanted to help people within the Healthcare space. In a market saturated with big companies and even bigger overhead we want to remain a small company with a small company feel where every individual and every situation matter and make a difference. Our goal is to be the Staffing Provider of choice by offering the best experience and customer service while our employees are traveling away from their homes and families to help a facility in need. We want to make sure everyone we touch knows that we are going to be with them every step of the way. Position: Registered Nurse Specialty: 13 Week Registered Nurse travel assignment Facility in MA is looking for an experienced to help in their facility for a travel contract. If you are interested in helping out, please give us a call for more details. CrossMed Healthcare (844) 678-7800 CrossMed healthcare offers the following benefits: *Competitive weekly pay *Insurance (Health, Dental, Vision) *Life Insurance *Referral Bonus *Reimbursement for License *Reimbursement for Certifications *Available 24/7 *Flexibility Requirements: *At minimum 1-2 years' experience working as a Registered Nurse *Graduate from an accredited school *Certifications may be required based on facility requirements Physical Abilities - Move and lift 50-100lbs, pushing, bending and pulling
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Wisconsin's Democratic governor thinks it's not fair that tangible items get taxed while downloads, like music, ebooks, software, etc., go completely untaxed. So, he proposes to rectify the situation by having Wisconsin's 5% state sales tax apply to Internet downloads. This is kind of like that famous hoax about how the USPS wants to charge people 5 cents for e-mail messages, except it's for real. What a dumb idea.
Of course, when you look more closely at the idea, it looks even dumber:
A little-noticed provision of the Democratic governor's proposed state budget would extend the sales tax to those Internet transactions, officials said Monday. There would be no Internet sales tax police, however, because compliance would be on the honor system.
That's right: it's voluntary. In a country that can trace its origins in part to a dispute about taxes, does this man really think that people are going to voluntarily pay a tax? And what makes it even funnier is that he thinks people in Wisconsin are going to voluntarily pay. I don't know how much you know about the American Midwest, but Wisconsinites, as wonderful as they are, are some of the... uh, how to put it... most frugal people in the country. This stereotype is actually empirically verifiable by means of the Catalogue for Philanthropy's "Generosity Index." Wisconsin is the fifth up from the bottom in terms of charitable giving, falling behind four Northeastern states.
At any rate, WI is by no means the first state to look into recouping some of the tax revenue lost through online purchases. All of the other efforts to date, though, have to do with trying to tax physical goods that are bought over the Internet (see here and here, for instance). WI is the first to my knowledge to propose taxing downloads.


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Today's News: Our Take - Video: Check Out USA Network's New Characters Unite PSA
TV Guide
"Change begins with you." That's the message USA Network hopes to get across in its new Characters Unite PSA.
For the second year in a row, USA is airing the one-hour documentary NFL Characters Unite as part of the network's Characters Unite campaign to fight prejudice and discrimination. This year's special will feature Larry Fitgerald, Jameel McClain, Troy Palamalu and Justin Tuck, as they share their own stories of overcoming diversity and bullying. The PSA below will run during the broadcast.
NFL Characters Unite airs Friday at 7/6c on USA.
View original Video: Check Out USA Network's New Characters Unite PSA at TVGuide.com
Other Links From TVGuide.com


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Maryland mega-church Pastor Jamal H. Bryant took a page out of the Book of Breezy to supplement his Sunday sermon this weekend.
"Every sister just elbow another sister, 'he should have listened'. Every brother tap another brother and say: 'I should have listened to her,'" Bryant began preaching.
Then the Empowerment Temple Pastor shocked the congregation with this line:
"Old saints, ya'll forgive me but I got to tell you these hoes ain't loyal!"
Yesterday Pastor Jamal Bryant took to social media claiming the fact that the whole sermon was "sensationalized".
This morning a scathing editorial from Ebony Magazine writer Brooke Obie lights Rev. Bryant up and challenges church goers.
This topic actually begs a few questions.
Does every pastor have the authority of being a teacher without reproach? Are people rising to judgment over a few words in a sermon? Can a pastor teach in the present vernacular without risking scandal?
There a few things that you need to understand. The first item to grasp and understand is what he biblical and theological ordination of a pastor is and is.
The biblical calling is:
1 Timothy 3:1-7 It is a trustworthy statement: if any man aspires to the office of overseer, it is a fine work he desires to do. An overseer, then, must be above reproach, the husband of one wife, temperate, prudent, respectable, hospitable, able to teach, not addicted to wine or pugnacious, but gentle, uncontentious, free from the love of money. He must be one who manages his own household well, keeping his children under control with all dignity (but if a man does not know how to manage his own household, how will he take care of the church of God?); and not a new convert, lest he become conceited and fall into the condemnation incurred by the devil. And he must have a good reputation with those outside the church, so that he may not fall into reproach and the snare of the devil.
The theological calling is:
Exhorting God's flock in sound doctrine is how the people are fed nourishment from the Word, but an overseer must also be able to protect the sheep from ravenous wolves who appear in sheep's clothing, or from deceivers, rebellious men and empty talkers who upset whole families and draw away disciples after themselves
The primary goal of any and every minister is to live in undivided surrender and devotion to the Lord Jesus Christ. That means His purpose not yours! That means your life and ministry must reflect the supremacy, centrality and glory of God, and serve as an example in a world of temptation and evil. I don't want to over-romanticize this idea. Think for a moment of the pack of mega churches in the country. How did they become "mega"? They became mega because they have a charismatic preacher who "inspired" their attendance. I have questioned and re-questioned my feelings towards mega-churches; personally, I am not a fan. I don't think they are suitable places for faithful pastoral practice or deep spiritual formation of people in the way of Jesus. I don't subscribe to this constant "entertainment praise" we have fallen into. When you go into a sanctuary expecting to be exteriorly moved not internally changed you are entertaining the flesh not the spirit. You are welcoming in pastoral lessons taught in a "contemporary tongue". So contemporary in fact, that we get what has happened with Rev. Jamal Bryant. I am sure he thought his sermon through. I am positive that he practiced it. I am sure he didn't intend to cause "scandal".
Unfortunately, these are the immediate by products of a pithy sermon preached in a "social media world". Sound-bytes rule the waves. Pastors would do themselves great service to avail themselves of quoting scripture and not rap songs. Yes,we can all lean from the secular. The best lessons are taught from real world examples. That is exactly why the Preachers Of L.A. is so successful. They opened the world to the reality of preaching, prayer and behind the veil. You can criticize them for being o screen, but when was the last time you saw a pastor struggling with leading a member on screen? We cannot act as if these things are not real and happening. We must approach everything with the intent of honesty and prayerful direction.
In other words, you must be careful what real world example you quote carefully.
Make sure to read:
- Pastor Jamal Bryant Defends Using Chris Brown Lyric In Sermon [EXCLUSIVE INTERVIEW]
- Pastors Who Recovered From Major Failures [PHOTOS]
- Are You In This Trap: Money + Relationship= Disaster
- Florida Teen Once Expelled From School Over Science Experiment Is Heading To College
- Arsenio Responds To Show Ending With Encouraging Honest Words
BET Cancels Celebration Of Gospel
Spiritual Best Seller Book 'The Shack' To Be Movie Starring Idris, Forest And Oprah
Old Fashioned Peach Cobbler Recipe
Kierra Sheard Releases Self-Titled Album 'Kierra' [Exclusive Video]
Top 10 Latinos Who Changed Their Names For Hollywood
Why Men Love Women Who Cook
Bishop Carlton Pearson Addresses Rumors: 'I Am Not Gay' [Open Letter]
March Is Bible Appreciation Month: 3 Things To Know


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The Snow & ice icons asset pack is sold separately and not included with this product.
Please make sure you read and understand the license information.
This purchase includes a commercial license. This means you can use the assets for your personal AND commercial projects (ie: sell the maps you make with them).
If you purchase these assets please ensure you download the license fileand retain proof of purchase.


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5 Tips to Choose the Best Restaurants in San Antonio
When you are trying to choose a restaurant in San Antonio, there are many items to take into consideration.
1. Money. The first thing to consider is your budget. Many restaurants have their menus online. If you cannot find an online menu, call the restaurant and ask them to send you one or ask them what is the price of the median and highest priced entrees. Keeping your budget in mind, you will be able to find a very reasonably priced pizza place to a very exquisite (and expensive) steak and seafood restaurant.
Check out the Dough Pizzeria Napolentana. This local pizzeria will satisfy any pizza aficionado.
In the mood for steak and seafood? Stop by Kirby's Steakhouse for an elegant dining experience.
2. Type of Food. Next, consider the type of food you're in the mood for. Although some of the best restaurants in San Antonio offer Mexican or Tex-Mex, there are many different types of foods. You have a wide variety to choose from.
Mi Tierra Restaurant and Bakery is located on Produce Row and is sure to please even the most difficult to satisfy Mexican food lover.
3. Resources to Find the Best Restaurants in San Antonio. How do you find the best restaurants in San Antonio? You can go online, use social media, talk to family and friends, or visit the local Chamber of Commerce. After you determine how much money you are willing to spend and the type of food you want to eat, you can narrow your choices down by perusing the information you have researched.
Food critics can also be a great source of information. You can bet the food critics have visited the best restaurants in San Antonio and have written reviews either on their blogs or websites about their experiences. The food critic's review can be invaluable. They not only critique the food and drinks, they also will give their opinion about the staff. You can learn whether or not the staff is knowledgeable about the menu, the way the food is prepared, if the staff is educated to suggest wine pairings with certain food items, etc.
4. Purpose. Why are you going out to eat? If you are trying to impress an important client or taking your spouse out for a special dinner, you might want to consider one of the more upscale restaurants. In this case, as a hotel concierge. They are familiar with the area and will help you choose one of the best restaurants in San Antonio.
5. Kid-Friendly? Call restaurants and ask them if they are kid-friendly. If you have small children, it's a good idea to go out to eat early, usually before 6 o'clock since most restaurants are busy between six and eight. Many people dismiss the idea of eating at a nice restaurant because they have small children. However, you can dine at one of the best restaurants in San Antonio if you go during a time that will not disrupt the other diners.


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In a move that can be seen as a desperate cry for help, biotechnology companies like Monsanto, Bayer, Dow AgroSciences, and DuPont have launched a new website called gmoanswers.com, which reportedly aims to uncover myths and truths surrounding GMOs and their place in our world. Really, the website is a campaign to fight GMO labeling and tighter regulation on genetically engineered seeds and crops.
Created as an online forum and "central online resource" where experts take the time to answer questions posted by the public, GMOAnswers, which represents the biotech industry as a whole, appears to be an extremely valuable tool in educating about GMOs. The biotech industry tells its viewers to ask 'tough questions, to be skeptical, and to be open to the answers provided by the experts in the forum.'
Interestingly, this multi-year, multi-million-dollar campaign involves the biotech seed companies opening some of their fields and offices to visitors. They will also host personal, face-to-face forums nation-wide, according to Cathleen Enright, spokeswoman for the website.
Who is Behind It?
But even while appearing helpful and informative on the surface, let us not forget who is really taking this last fighting breath. Monsanto, the biotechnology giant responsible for much of the GMOs we are seeing today, is a key opponent. The company has spent over $40 million to defeat the most influential GMO labeling bill in California – Proposition 37, and is known for leading farmers to suicide nearly every 30 minutes. The company has even been given special laws protecting it from lawsuits, as many politicians are also involved with Monsanto.
And let's not forget Dow, another GMO-creator and and a top producer of Agent Orange (along with Monsanto). Then we have Syngenta, another biotech giant which has been criminally charged for denying knowledge that its GM Bt corn actually kills livestock, and DuPont, yet another GMO company.
"Founding Members: GMO Answers is funded by the members of The Council for Biotechnology Information, which includes BASF, Bayer CropScience, Dow AgroSciences, DuPont, Monsanto Company and Syngenta. Our members are dedicated to the responsible development and application of plant biotechnology."
Biotech understand that activists are winning, so they are fighting back – using the internet. The industry is being targeted at every angle by activists, who, at the very least, simply want these GMO foods labeled so that informed decisions can be made. (Though a ban would be optimal). But unfortunately for the Frankenfood creators, they will not succeed in the end.
Given the ample evidence showing how GMOs damage both life and the environment, there is no question that the public will shoot down this latest effort and all future efforts to push GMOs on the population.
"This latest effort will likely do little to stop the consumer backlash against genetically engineered foods that has been brewing for years," said Wenonah Hauter, executive director of Food & Water Watch, a consumer organization.


text: My congratulations on another great afternoon mini-concert! I love the Schubert Op. 163 Cello Quintet and the Dover Quintet did a marvelous reading. These concerts and the continued excellent regular programming have moved KQAC to the top of the pantheon of great classical music stations, bar none (and I've heard them all over the world!). Keep up the great work. –Timothy


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By Cathy MacIver (on behalf of the REAP Project Team)
A fourth season of excavation took place at the Craw Stane, Rhynie over August – September 2016. The project was led by REAP Project Directors Dr Gordon Noble, University of Aberdeen and Dr Meggen Gondek, University of Chester.
Aerial photographs and geophysical surveys had identified curvilinear enclosures around the Craw Stane, one of the few symbol stones remaining in situ in Scotland (Plate 1).
Previous seasons of work at the Craw Stane (one of seven Class I Pictish symbol stones from the area) in 2011, 2012 and 2015 had demonstrated that these enclosures took the form of an inner and outer ditch and a later palisade structure with associated postholes.
Excavations in past seasons had revealed a number of high status objects including fragments of Late Roman Amphora, glass beads, metal pins, glass vessel fragments and evidence of metal working in the form of metal working tongs, slag (metal working waste) and clay moulds for metal objects. The features date the site to the early medieval period and radiocarbon dates from the ditches and other internal features confirmed a relatively short 5th-6th C construction, occupation and abandonment of the site.
The 2016 excavations aimed to investigate areas of the site that hadn't been looked at before, continuing to use the successful strip and map approach employed in previous years. This involved 4 large areas or trenches (Plate 3) where the topsoil was removed by machine and watched by archaeologists. The areas were then cleaned by hand by a team of archaeologists, students and volunteers, using hoes, krafses and eventually trowels. This made archaeological features more visible and easier to record. Plans of the site were created using DGPS (accurate to the nearest cm) and aerial photography using a drone. Areas with more complexity were drawn by hand.


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Hey, remember that time @BarackObama signed "thank you" to a deaf supporter? They met again today: hypr.vc/11ebxk Very cool.—
Slade Sohmer (@SladeHV) September 26, 2013
Hypervocal: President Obama Signs 'Thank You' To Deaf Supporter For The Second Time
President Barack Obama returned to Prince George Community College on Thursday. A PGCC student named Stephon showed to see him.
Their paths had crossed before, in that very room 18 months earlier. In March 2012, President Obama worked the line at an event on energy policy with Maryland Gov. Martin O'Malley. Stephon signed "I am proud of you," and without missing a beat, the president signed back, "Thank you."
"I am proud of you," Stephon signed. "Thank you," the President signed back. OFA.BO/r49Cce—
Barack Obama (@BarackObama) March 21, 2012
On Thursday, the president continued to explain the benefits of the Affordable Care Act and encouraged young people to sign up for the law's health insurance exchanges. When he left the stage, Obama walked past Stephon, just like he did 18 months previous. The result was the same: another signed "thank you," another knowing moment.
More here
First encounter in March 2012
Today's encounter
See the first TOD post on Stephon here


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Montana TV Station's Emergency Alert System Hacked, Warns of Zombie Apocalypse
[There was a video here]
An emergency alert interrupted Montana television viewers as they watched the Steve Wilkos Show Monday, and calmly informed them that "dead bodies are rising from their graves."
The (clearly) bogus alert was quickly pulled off air and replaced with an apology from KRTV — the station that broadcast the message — both on air and online reading:
Someone apparently hacked into the Emergency Alert System and announced on KRTV and the CW that "dead bodies are rising from their graves" in several Montana counties.
This message did not originate from KRTV, and there is no emergency.
Our engineers are investigating to determine what happened and if it affected other media outlets.
While several questions remain (Who did this? How? Was it viral marketing for The Walking Dead?) one is definitely clear: the dead of Great Falls, Montana are still dead and plan to stay that way for some time, something I think we can all agree is good news.


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along with any changes made by the consumer. If the consumer does not
have a Customer Profile, personally identifiable information is gathered
at the time of order placement as already described above. It is not
kept on the web, but only used for the purpose of processing the order.
A cookie is also used during the order process which may contain
personally identifiable information. It is deleted at the completion of
order, or when the consumer leaves the web site. The consumer can turn
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Personally identifiable information submitted for the purpose of placing
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Credit card transactions are not processed online. Credit card
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Although no systems or safeguards can be guaranteed as foolproof,
precautions and security measures have been taken with security
equipment, software and procedures to safeguard our database
We reserve the right to change this policy at any time. Visitors can
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text:
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10/12/21 Fast shipping. They had Penn replacement parts when everyone else didn't. Products were packaged and labeled very well! Will do business again!
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text:
Big clothing brands, retailers reject union safety plan as Bangladesh factory deaths mount
April 29, 2013 by Kay Johnson And Julhas Alam
As Bangladesh reels from the deaths of hundreds of garment workers in a building collapse, the refusal of global retailers to pay for strict nationwide factory inspections is bringing renewed scrutiny to an industry that has profited from a country notorious for its hazardous workplaces and subsistence-level wages.
After a factory fire killed 112 garment workers in November, clothing brands and retailers continued to reject a union-sponsored proposal to improve safety throughout Bangladesh's $20 billion garment industry. Instead, companies expanded a patchwork system of private audits and training that labour groups say improves very little in a country where official inspections are lax and factory owners have close relations with the government.
In the meantime, threats to workers persist. In the five months since last year's deadly blaze at Tazreen Fashions Ltd., there were 41 other ''fire incidents" in Bangladesh factories—ranging from a deadly blaze to smaller fires or sparks that caused employees to panic, according to a labour organization affiliated with the AFL-CIO umbrella group of American unions. Combined, the recent incidents killed nine workers and injured more than 660, some with burns and smoke inhalation and others with injuries from stampedes while fleeing.
Wednesday's collapse of the Rana Plaza building that killed more than 300 people is the worst disaster to hit Bangladesh's fast-growing and politically powerful garment industry. For those attempting to overhaul conditions for workers who are paid as little as $38 a month, it is a grim reminder that corporate social responsibility programs are failing to deliver on lofty promises.
More than 48 hours after the eight-story building collapsed, some garment workers were still trapped alive Friday, pinned beneath tons of mangled metal and concrete. Rescue crews struggled to save them, knowing they probably had just a few hours left to live, as desperate relatives clashed with police.
''Improvement is not happening," said Amirul Haque Amin, president of the National Garment Workers Federation in Bangladesh, who said a total of 600 workers have died in factory accidents in the last decade. ''The multinational companies claim a lot of things. They claim they have very good policies, they have their own code of conduct, they have their auditing and monitoring system," Amin said. ''But yet these things keep happening."
What role retailers should play in making working conditions safer at the factories that manufacture their apparel has become a central issue for the $1 trillion global clothing industry.
The clothing brands say they are working to improve safety, but the size of the garment industry—some 4,000 factories in Bangladesh alone _means such efforts skim the surface. That opaqueness is further muddied by subcontracting. Retailers can be unwittingly involved with problematic factories when their main suppliers farm out work to others to ensure orders are filled on time.
''We remain committed to promoting stronger safety measures in factories and that work continues," Wal-Mart said in a statement after the Rana Plaza collapse. The world's largest retailer says there was no authorized Wal-Mart production in the building. One of the Rana Plaza factories, Ether Tex, listed Wal-Mart as a customer on its website.
Labour groups argue the best way to clean up Bangladesh's garment factories already is outlined in a nine-page safety proposal drawn up by Bangladeshi and international unions.
The plan would ditch government inspections, which are infrequent and easily subverted by corruption, and establish an independent inspectorate to oversee all factories in Bangladesh, with powers to shut down unsafe facilities as part of a legally binding contract signed by suppliers, customers and unions. The inspections would be funded by contributions from the companies of up to $500,000 per year.
The proposal was presented at a 2011 meeting in Dhaka attended by more than a dozen of the world's largest clothing brands and retailers—including Wal-Mart, Gap and Swedish clothing giant H&M—but was rejected by the companies because it would be legally binding and costly.
At the time, Wal-Mart's representative told the meeting it was ''not financially feasible … to make such investments," according to minutes of the meeting obtained by The Associated Press.
After last year's Tazreen blaze, Bangladeshi union president Amin said he and international labour activists renewed a push for the independent inspectorate plan, but none of the factories or big brands would agree.
Siddiqur Rahman, former vice-president of the Bangladesh Garment Manufacturers and Exporters Association, denied the factories are responsible for killing the plan, saying the problem was that buyers did not want to pay for it.
''We welcome anything that is good for the garment industry and its workers here," Rahman said. He also disputed several union groups' figures of dozens of factory fires since November, saying there had been only one.
The Solidarity Center, the non-profit group affiliated with the AFL-CIO, said its staff in Bangladesh compiled the list of 41 ''fire incidents" from local media and counted any incident that caused injury or evacuation as an indication of compromised safety.
This week, none of the large clothing brands or retailers would comment about the proposal.
Wal-Mart spokesman Kevin Gardner did not directly answer questions about the unions' safety plans in replies to questions emailed by The Associated Press. H&M responded to questions with emailed links to corporate social responsibility websites.
In December, however, a spokesperson for the Gap—which owns the Gap, Old Navy and Banana Republic chains—said the company turned down the proposal because it did not want to be vulnerable to lawsuits and did not want to pay factories more money to help with safety upgrades.
H&M also did not sign on to the proposal because it believes factories and local government in Bangladesh should be taking on the responsibility, Pierre Bvrjesson, manager of sustainability and social issues, told AP in December.
H&M, which places the most apparel orders in Bangladesh and works with more than 200 factories there, is one of about 20 retailers and brands that have banded together to develop training films for garment manufacturers.
Wal-Mart last year began requiring regular audits of factories, fire drills and mandated fire safety training for all levels of factory management. It also announced in January it would immediately cut ties with any factory that failed an inspection, instead of giving warnings first as before.
And the Gap has hired its own chief fire inspector to oversee factories that produce its clothing in Bangladesh.
But many insist such measures are not enough to overhaul an industry that employs 3 million workers.
''No matter how much training you have, you can't walk through flames or escape a collapsed building," said Ineke Zeldenrust of the Amsterdam-based Clean Clothes Campaign, which lobbies for garment workers' rights.
Private audits also have their failings, she said. Because audits are confidential, even if one company pulls its business from a supplier over safety issues, it won't tell its competitors, who will continue to place orders—allowing the unsafe factory to stay open.
The Tazreen factory that burned last year had passed inspections, and two of the factories in the Rana Plaza building had passed the standards of a major European group that does factory inspections in developing countries. The Business Social Compliance Initiative, which represents hundreds of companies, said the factories of Phantom Apparels and New Wave Style had been audited against its code of conduct which it said focuses on labour issues, not building standards.
''The audits and inspections are too much focused on checklists," said Saif Khan, who worked for Phillips Van Heusen, the owner of brands Tommy Hilfiger and Calvin Klein, in Bangladesh until 2011 as a factory compliance supervisor.
''They touch on broader areas but do not consider the realities on the ground," he said.
—The Associated Press


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What 23 Famous Characters Looked Like as Kids
Millions of dusty old yearbooks and family photo albums all confirm the same thing: we looked pretty dorky as kids. With that in mind, we asked you to use the magic of image manipulation to show us what some of pop culture's most iconic characters looked like when they were children, and offered $50 to the winner.
The results were equal parts adorable and deeply disturbing.


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Policies and Procedures
ACADEMIC INTEGRITY POLICY (.pdf)
ACADEMIC INTEGRITY PROCEDURE (.pdf)
Student Grievance Procedures
Reasons for a Grievance:
- A grade, when the student contends it involved a mistake, fraud, bad faith, or incompetence.
- Act or threat of intimidation or harassment.
- Act or threat of physical aggression.
- Arbitrary action or imposition of sanctions without proper regard to academic due process, as specified in college procedures.
- Violation of student rights, as delineated in college policies.
Initiating a Grievance
A student shall initiate a grievance by:
- Informal consultation with the faculty member, administrator, or staff member directly involved.
- Conferring with the supervisor of the aforementioned person.
- Submitting a signed statement specifying the time, place and nature of the grievance to the Executive Vice President, Educational Programs.
- The Executive Vice President, Educational Programs, will determine if sufficient grounds for a hearing exist.
- If a formal hearing is determined to be necessary, the Executive Vice President, Educational Programs, shall initiate it within ten (10) days.
For further information regarding the grievance procedures, contact the Executive Vice President, Educational Programs (Room A-113-D).


text:
Free Ground Shipping on Orders Over $49 Details & Exclusions Excludes Curb Side Delivery (LTL). Lower 48 United States Only.
Thomas O'Brien Bryant 44 Inch Floor Lamp by Visual Comfort Signature Collection
Thomas O'Brien Bryant 44 Inch Floor Lamp by Visual Comfort Signature Collection
Thomas O'Brien Bryant 44 Inch Floor Lamp by Visual Comfort Signature Collection
- Product Info
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Product Info
Thomas OBrien Has Been Celebrated For His Ability To Translate Modernism Into A Warmly Livable Style: One Based In Comfort And Tradition As Much As Spare Streamlining. Across A Range Of Design Ventures, His Work Is Known For Its Unique Blend Of Refined Yet Easy Domesticity And Vintage Elegance. His Traditional-To-Modern Approach Define His Thomas OBrien Brand Of New-Classic Home Furnishings, With Furniture, Lighting, Tableware, Textiles, Carpets And Bedding And Bath Collections For Both Fine And Daily Living. In All Of These Endeavors, OBrien Is A Collector First, Who Gathers The World Of Beautiful Things That Give A Life Meaning As Well As Style. As Both A Merchant And Designer, He Is Guided By Personal And Eclectic Finds, Seeking Examples Of Everything Interesting With A Knowledgeable Eye, And Ultimately, Creating Many Authentic Goods For His Customers To Fill Out A Vision. Shade Measures 11 X 12 X 12 Inches. Shade Measures 11 X 12 X 12 Inches.
Product Dimensions
Height: 44.0 Inches
Overall Max Height: 60.00 Inches
Width: 12.0 Inches
Shade Height: 12.00 Inches
Shade Width: 12.00 Inches
Shade Diameter: 11.00
Lamping Information
General Lamping Description:
- - Incandescent: 1 Light - Medium Base E26 150 Watt
Certifications and Compliance
UL Rating: Dry
Electrical Specifications
Switch Type: Hi-Lo
Connection Type: Plug-in
Product Highlights
Lamp Type: Incandescent
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is it made in the USA?
can I talk with someone?
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Return it for 30 days! Capitol Lighting prioritizes the customer experience above all else. We want to make sure the products you purchase from us meet all of your expectations. All uninstalled non-closeout and non-custom products may be returned within 30 days of receipt. Simply call 1.800.544.4846 or chat with us to start your return and we'll issue your return shipping labels or help arrange pickup on your behalf (for oversized products).
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This plugin generates Java EE Enterprise Archive (EAR) file. It can also generate the deployment descriptor file (e.g. application.xml).
The EAR plugin supports the following artifacts:
For available configuration options for these artifacts, please see the modules configuration.
For more information about the Java EE technology, please visit http://www.oracle.com/us/technologies/java/enterprise-edition/overview/index.html.
EAR Plugin has two goals:
General instructions on how to use the EAR Plugin can be found on the usage page. Some more specific use cases are described in the examples given below. Further real-life examples are given in the plugin's test suite. Last but not least, users occasionally contribute additional examples, tips or errata to the plugin's wiki page.
In case you still have questions regarding the plugin's usage, please have a look at the FAQ and feel free to contact the user mailing list. The posts to the mailing list are archived and could already contain the answer to your question as part of an older thread. Hence, it is also worth browsing/searching the mail archive.
If you feel like the plugin is missing a feature or has a defect, you can fill a feature request or bug report in our issue tracker. When creating a new issue, please provide a comprehensive description of your concern. Especially for fixing bugs it is crucial that the developers can reproduce your problem. For this reason, entire debug logs, POMs or most preferably little demo projects attached to the issue are very much appreciated. Of course, patches are welcome, too. Contributors can check out the project from our source repository and will find supplementary information in the guide to helping with Maven.
To provide you with better understanding on some usages of the EAR Plugin, you can take a look into the following examples:


text:
A Tech fan posts that he's planning on attending Saturday's game, asks for advice on how to cope and the results are both predictable and amusing.
Actually, the tales they spin are a little… well, bland. Where are the stories about Georgia people putting ground glass in the drinks of Tech fans when they're not looking (probably because they're worried about getting cold-cocked from behind)? How about the times Dawg partisans tossed Molotov cocktails into open vehicles driven by Jacket supporters?
I mean, I don't know about you, but I personally can think of at least three times while I was tailgating on North Campus when I held a weapon to the head of an adorable muppet wearing white and gold until I forced the child's parents into shouting "Tech sux!". And made 'em do it twice for good measure!
I suppose I should feel quite badly about that, given how kindly I'm treated by the locals every time I visit good ol' Bobby Dodd Stadium, but there you go. I'm evil like that.
Please feel free to share your stories of terror in Athens in the comments. Don't hold back any details, real or otherwise. It's called Hate Week for a reason, you know.


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Search Buddhist Channel
Gender and religion: Where nuns fear to tread
The Bangkok Post, March 6, 2011
A mae chi's takeover of a Thai Buddhist temple in India has brought the management of the facilities overseas and the role of female clergy to the fore
Bangkok, Thailand -- The controversy over a Thai Buddhist nun successfully petitioning an Indian court to gain control of a temple has raised broader questions surrounding the administration of temples overseas. It has also highlighted the ambiguous role nuns, or mae chi, face within the structure of Buddhism in Thailand.
A court in India's Bihar state recently ruled in favour of Mae Chi Ahree Pongsai, a nun in her seventies, who lodged a complaint requesting that she be allowed to replace Phra Khru Pariyat Thammawithet as head of the Thai Nalanda temple, 90km from the state capital of Patna. Mai Chi Ahree reportedly claimed that the former abbot, Phra Maha Tharntong, who died in 2007, had written in his will that if she came into conflict with his successor, she should seek assistance from India's courts to take over.
The news of Mae Chi Ahree's court success, made public following a visit to India by Culture Minister Nipit Intrasombat late last month, caused an uproar in Thai Buddhist circles.
Essential Buddhism scripts and principles clearly outline the power structure within a temple and the separation of roles between mai chi and monks, he said. ''Mae chi are barred from managing temples. Only monks, rising to the position of abbot, can manage them,'' he said. ''During the Buddha's era, there weren't any nuns. Now things have changed, and now they can stay on temple compounds.
''But we have never had a nun run a temple before. What will society think about this?''
Phra Khru Suwatthanachariyakhun said that when monks go to foreign countries, they might request that nuns from their temple in Thailand accompany them, but their role is facilitative _ assisting in religious studies and helping to manage food and accommodation for visitors.
The administration of the temple is the sole domain of monks, he said.
Mae chi occupy an ambiguous place in Thai society. The official council of ordained clergy in Thailand, the Sangha Supreme Council, does not recognise mae chi as full members. They are not officially allowed to interpret or teach the dhamma (the teachings of the Buddha), or perform religious rituals.
The Interior Ministry, however, does regard them as clergy, meaning they are unable to vote, while the Transport Ministry treats them as lay people, denying them rights accorded to monks, such as free transport services.
In the past, efforts have been made to clarify the status of mae chi, such as in 1991, when the Institute for Thai Nuns pushed parliament to consider a ''Nun Act'', which would outline basic regulations for nuns.
According to a September, 2002, article from Inter Press Service, the Religious Affairs Department's response was unambiguous: ''It is impossible. A nun has never existed in a Thai Buddhist decree.''
Sri Lanka, like Thailand, follows Theravada Buddhism, however it permits women to be ordained as monks. A controversy also challenging traditional power structures within Thai Buddhism erupted in 2001 when a Thai female Buddhist scholar, Dr Chatsumarn Kabilsingh, was ordained in Sri Lanka, and shortly thereafter, another Thai woman, Samaneri Dhammarakhita was ordained by a Sri Lankan preceptor on Thai soil, marking the first time a woman had been ordained in the country.
But Mae Chi Ananta Nakboon of the Mae Chi foundation [Institute of Thai Mae Chi???Thai Nun's Institute???Buddhasavika Foundation???]strongly disagreed with Mae Chi Ahree's actions.
''What was she thinking when she went to court to get the rights to manage the temple?'' she said. ''Mae chi are under the support and teaching of the monks. We have no right to challenge their authority in any case,'' said Mae Chi Ananta. ''In the temple, the teaching of the monks receives the highest respect from the people. The mae chi do not earn the same respect. How can they then manage temples successfully?''
She said mae chi can establish meditation centres and foundations and administrate them, ''but definitely not temples''.
Further complicating matters in Mae Chi Ahree's case is the way in which Thai temples abroad are administered. Temples here are established as juristic entities under the Ecclesiastical Law (1962, and 1992). The temple is considered religious property that cannot be transferred to any person and comes under the authority of the Sangha Supreme Council. Overseas temples, such as the Thai Nalanda temple, are not beholden to the Ecclesiastical Law or the Sangha Supreme Council.
There are currently over 300 Thai Buddhist temples around the world, with some 1,200 monks. Thai communities abroad establish the temple, putting administrative power in the hands of laypeople.
''Most overseas temples are established as non-profit organisations or under a foundation with or without Thai Buddhist monks at the beginning,'' said Amnaj Buasiri, director of the secretariat of the Sangha Supreme Council.
That difference has led to conflicts arising between monks and foundations' administrative teams, he said.
In some instances, committees overseeing temple affairs have fired monks, who have then complained to Thailand's Office of National Buddhism.
''The office has suggested that Thai monks should be named to chair foundations overseeing temple affairs, so that they can better deal with conflicts when they occur,'' said Mr Amnaj.
Phra Khru Suwatthanachariyakhun said that Thai monks going abroad must be familiar with the laws and regulations in their destination countries to avoid conflict. He said a better balance needs to be struck in the way overseas temples are administered _ a shift from the current situation that sees the foundation in charge, and the monks mere residents on temple grounds.
''It is very important for the abbot, the monks and the foundation committee to have set rules and an agreement on how to manage the temple and the duties of different parties.''
Phra Khru Suwatthanachariyakhun proposed that religious attaches be dispatched abroad to deal with conflicts such as those in Mai Chi Ahree's case, which he said will only increase as overseas Thai communities expand.
These attaches would cooperate with temples in providing Buddhist teachings and also help resolve disputes between monks and temple committees or wider disagreements between the temples and surrounding communities.
Mr Amnaj argued that the Thai government should take over Thai Buddhist temples abroad.
Mr Amnaj strongly believed that a concrete way to solve the management problem of Thai Buddhist temples in foreign countries is to transfer the temples to the Thai government. He cited Wat Buddhapadipa in London and Wat Sanghapadipa in Wales as examples of where this model has been effective.
''The temples transferred the land and property rights of the temple compound to the Thai government, and the Thai embassy in the UK works with them to help look after the property as a national asset interest in a foreign country,'' he said.
This would prevent disputes over the transfer of management rights, such as what happened at the Nalanda Temple and give Thai embassies the authority to step in should problems arise.
He said the proposal has been discussed among relevant authorities but without any resolution. ''Many factors, including different countries' laws and regulations, must be studied in detail,'' he said.
Mr Amnaj said the main point is that Buddhist temples are religious property and are meant to be a source of Buddhist teachings. They do not belong to any individual or group, even those who have established and supported them.
In the case of Mae Chi Ahree, Mr Amnaj, who returned from India said this week, said there had been no progress made in talks with her.
She refused to meet with government representatives, he said, choosing instead to speak through a loudspeaker and insisting she still had the right to manage the temple.
Mr Amnaj said that Phra Khru Pariyat and eight other monks continued their duties at the temple, and that the facility had thrived since Phra Khru Pariyat took over in 2007.


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Black Hat Europe 2011 //Welcome
Hotel Rey Juan Carlos Barcelona
training: mar 15-16 | briefings: mar 17-18
The Black Hat Briefings have become the biggest and the most important security conference series in the world by remaining true to our core value: serving the information security community by delivering timely, actionable security information in a friendly, vendor-neutral environment.
This site is a portal intended to provide users with current, useful and relevant information resources regarding the upcoming Black Hat Europe 2011 conference.
Sponsor Exhibit Hall Hours
day two: 1115 - 1515
Black Hat organizational homepage.
registration desk
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In new threat, Trump demands North Korea 'get their act together'
President Donald Trump issued a new threat to North Korea on Thursday, demanding that Kim Jong Un's government "get their act together" or face extraordinary trouble. He said his previous "fire and fury" warning to Pyongyang might have been too mild.
"Maybe that statement wasn't tough enough," Trump said in the latest round of an escalating exchange of threats between the two nuclear-armed nations.
Speaking to reporters in New Jersey, Trump said North Korea has been "getting away with a tragedy that can't be allowed." Still, he declined to say whether the U.S. is considering a pre-emptive military strike, arguing that his administration never discusses such deliberations publicly.
Trump spoke after North Korea intensified its own rhetoric by announcing a detailed plan to launch a salvo of ballistic missiles toward the U.S. Pacific territory of Guam, a major military hub and home to U.S. bombers. That announcement had been a response to Trump's threat that the North would face "fire and fury like the world has never seen" if it threatened the U.S. again.
On Thursday, Trump said it is time somebody stood up to the pariah nation.
"North Korea better get their act together or they are going to be in trouble like few nations have ever been in trouble," Trump said, flanked by Vice President Mike Pence. "It may very well be tougher than I said."
North Korea missiles can reach Guam in 14 minutes, local official says
North Korean threats already affecting tourism
In a strongly worded statement, Guam Del. Madeleine Bordallo criticized Trump's comments as inflammatory.
"President Trump needs to tone down the rhetoric and recognize that words have consequences. His bellicose statements will not make our nation any safer and will only further elevate tensions between the United States and North Korea," she said.
She expressed her confidence in the military, but said Trump must tone down the rhetoric.
"President Trump must reaffirm his commitment to Guam's security and make clear that he will not allow any escalation to further threaten our island. Guam is not a bargaining chip. Guam is a U.S. territory with more than 160,000 American citizens living on island, and he is responsible for preventing any acts of aggression towards our community," she said.
"I renew my calls for President Trump to heed the advice of his own military advisors to work with the international community to de-escalate these tensions and refrain from any action that could lead toward a military conflict with North Korea."
China pressure
Trump's comments came after meeting with national security advisers at the golf resort where he's vacationing. He said the U.S. "of course" would always consider negotiations with North Korea, but added that talks with the North have failed for the last 25 years. He said that China, the North's biggest trading partner, needs to do more to apply pressure — and predicted that it will.
The threatened attack near Guam, if carried out, would be the North's most provocative missile launch to date.
The North said it is finalizing a plan to fire four of its Hwasong-12 missiles over Japan and into waters around the tiny island, which hosts 7,000 U.S. military personnel on two main bases and has a population of 160,000.
Japan, SKorea react
Japan and South Korea vowed a strong reaction if the North were to go through with the plan. Trump added his voice on Thursday, insisting that if North Korea took any steps to even think about an attack, it would have reason to be nervous.
"Things will happen to them like they never thought possible, OK?" Trump said. Of North Korean leader Kim Jong Un, Trump added: "He's been pushing the world around for a long time."
North Korea said the plan, which involves the missiles hitting waters 30 to 40 kilometers (19 to 25 miles) from the island, could be sent to leader Kim for approval within a week or so. It would be up to Kim whether the move is actually carried out. But the extreme specificity of the plan suggested it was designed to show North Korea is actually plotting a launch.
The report said the Hwasong-12 rockets would fly over Shimane, Hiroshima and Koichi prefectures in Japan and travel "1,065 seconds before hitting the waters 30 to 40 kilometers away from Guam." It said the Korean People's Army Strategic Force will finalize the plan by mid-August, present it to Kim Jong Un and "wait for his order."
"We keep closely watching the speech and behavior of the U.S.," it said.
High risk
It is unclear whether — or exactly why — North Korea would risk firing missiles so close to U.S. territory. Such a launch would almost compel the United States to attempt an intercept and possibly generate further escalation.
North Korea, no stranger to bluffing, frequently uses extremely bellicose rhetoric with warnings of military action to keep its adversaries on their heels. It generally couches its threats with language stating it will not attack the United States unless it has been attacked first or has determined an attack is imminent.
But the statement raised worries amid threats from both sides.
South Korea's military responded by saying North Korea will face a "stern and strong" response from Washington and Seoul. Taking it a step further, Japan's Defense Minister Itsunori Onodera told parliament a missile attack on the U.S. territory would be a Japanese national emergency because it would threaten Japan's existence as a nation.
Guam lies about 2,100 miles from the Korean Peninsula, and it's extremely unlikely Kim's government would risk annihilation with a pre-emptive attack on U.S. citizens. It's also unclear how reliable North Korea's missiles would be against such a distant target, but no one was writing off the danger completely.
Washington has been testing its missile defenses in response to the North's stepped-up development and the current escalation of tensions could lead to pressure for the U.S. military to try to shoot down the North's missiles in midflight if they are heading toward Guam.
That would likely open up a set of very major problems, including the possibility of both a very high-profile failure or a miscalculation of Washington's intentions and a more deadly pre-emptive strike by the North — which has missiles able to hit Tokyo and conventional weapons that could devastate South Korea's capital of Seoul.
The Hwasong-12, which was revealed for the first time at a military parade in April, is an intermediate-range ballistic missile that is believed to have a radius of more than 3,700 kilometers (2,300 miles). It can be fired from mobile launchers, making it hard to detect and destroy on the ground.
By launching a salvo of four, the North would be attempting to make it harder for the U.S. to intercept all of the incoming missiles. Its stated flight path over Japan is also very aggressive — it has recently tried to avoid flying over neighboring countries by shooting its missiles up at a very high angle to land in the ocean.
Lederman reported from Washington. Associated Press writer Eric Talmadge in Seoul, South Korea, contributed to this report. Pacific Daily News contributed to this report from Guam.


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Printed Cotton Latest Stylish Frock
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News you may have missed #815 (analysis edition)
December 7, 2012 1 Comment
By IAN ALLEN | intelNews.org |
►►Should polygraph tests be trusted? US federal polygraph programs have flourished, targeting a growing number of private contractors with more intensely personal questions than ever before. More than 70,000 people are now screened yearly in the US. Yet thousands of people a year could be identified as lying in polygraph screenings when they are not, according to statistical models by the National Academies, which advises the federal government on scientific matters. Under the current system, many of them would have no way to legally challenge polygraphists' conclusions, especially in the intelligence world.
►►Why the US does not need another law against intelligence leaks. Leonard Downie Jr., vice president at large of The Washington Post, warns that the 2013 Intelligence Authorization Act "would make it a crime for career intelligence officers to provide almost any type of information to the news media, whether the information is classified or not". He argues that the proposed legislation would "end contacts that often benefit both the government and the public by allowing the exchange of accurate information about vital national security issues and intelligence activities, including abuses requiring attention".
►►The preventable decline of British defense intelligence. Defense intelligence refers to something rather different from 'military intelligence'. It takes place at the topmost levels of defense coordination and decision-making and draws together participation from all of the armed services with civilian subject-matter and technical experts and produce consolidated assessments for senior civil servants, ministers and the service chiefs of staff. Philip Davies, director of the Brunel Centre for Intelligence and Security Studies in the United Kingdom, argues that, in Britain, defense and military intelligence remains "something of a poor cousin in the intelligence community, the eternal Peter robbed to pay the Paul of other, seemingly more urgent, defense expenditure and policy priorities".


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Norwegian Breakaway, the largest ship ever constructed in Germany, was floated out of Meyer Werft's covered building dock II this morning in Papenburg, Germany where the 146,600-ton ship has been under construction since September 2011. Beginning at approximately 7 am (Germany time), the massive 4,000 passenger ship with her signature hull artwork designed by pop icon Peter Max, departed building dock II as the first ship to depart bow first.
Norwegian Breakaway has an overall length of 324 meters, and is 39.70 meters wide. The ship's float out represents a major milestone in the vessel's construction as it denotes that the ship has now moved into the final phase of construction with delivery taking place in just 58 days.
"Norwegian Breakaway represents a significant achievement both for MEYER WERFT and Norwegian Cruise Line in terms of innovation and design," said Kevin Sheehan, Norwegian Cruise Line's Chief Executive Officer. "Celebrating her float out today brings us closer to her much-anticipated delivery on April 25 when she will make her debut in Europe before arriving in her homeport of New York City on May 7. We can't wait."
"This new vessel is a further milestone for us. Its construction complies with the latest safety standards, and the ship meets all valid environmental regulations. Beyond that Norwegian Breakaway includes a lot of unique design elements and technical innovations," said Bernard Meyer, Managing Partner of MEYER WERFT.
Following the float out, tests were carried out in the harbor and the ship was berthed alongside the yard's outfitting pier. On March 4, the first crew members will move into their staterooms on board, and begin to familiarize themselves with the ship, readying her for guests. Norwegian Breakaway's conveyance down the river Ems towards the North Sea, where she will prove her seaworthiness, is scheduled for March 10 (weather permitting).
Reported by © www.expertcruiser.com – Your online consumer guide for cruise travel and information.


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What do bloggers do when they don't have time for real posts? Stitch together some little pieces of stuff. So here are CBL's pieces for February:
The California Courts of Appeal keep banging their heads against the wall when it comes to arbitration, finding arbitration agreements unconscionable and refusing to enforce them no matter what the US Supreme Court said in AT & T Mobility v. Concepcion (2011) ___ U.S. ___. You can see lots of examples in previous posts here, here and here.
And this month, we've got two more cases: Ajamian v. Cantorcoe2E (Feb 16, 2012) ___Cal.App.4th___ and Mayers v. Volt Management Corp. (February 27, 2012) ___Cal.App.4th___. Be curious to see how many times Calfornia courts have to get slapped down by SCOTUS on this issue.
An in the "Crystal Ball Actually Worked" department, we bring you Gonzales v. Southern California Gas S188956, where a Court of Appeal ruled that a gas company owed no duty in connection with its placement of a gas meter more than 11 feet from the curb in a 25 mph residential zone; the teenage driver decedent in the case took evasive action to avoid another car, jumped the 8 foot curb, smashed into the gas meter, caused a fire and died from her burns. In December of last year, CBL predicted the Cal Supremes would depublish the decision, meaning it would have no stare decisis effect. Sure enough, on February 22, the Supreme Court denied a hearing, and ordered that the decision not be published in official reports.


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Becky here, jumping up and down, waving wildly to get your attention. Have I got it? Good. Now I can introduce you to Samantha Lien. She's a dynamo in the best sense of the word. When I was looking to hire a publicist, I put out the word and everyone pointed me toward Sami. She definitely knows her industry, so I wanted to make sure you knew her.
• What was your first job in marketing/publicity?
It probably started in college when I would street team rep for up-and-coming touring bands (John Mayer, Matt Nathanson, Howie Day, Jason Mraz, to name a few). Basically, you sign-up to promote bands you love, and then their agency and management sends you swag (postcards, posters) to paper your town with. Handy, because it also meant first dibs on new music, occasional jobs working the merch table, and free tickets to shows. It also came along with message boards (pre-Facebook or social networks back in 2000-2004), which I loved because it cultivated a nation-wide community of friends that you could always connect with no matter where you went. Many of them have ended up in media jobs, and I still work with them today.
My first real paid marketing gig though? Will you believe… I was hired as a marketing manager at a cattle and equine company in South Dakota. I got to hire photographers, direct photoshoots (in pastures with cows and horses), handle website design, online and print catalogues for our customers.
• How did you end up in this career path?
Oh, boy… In the words of Johnny Cash, "I've been everywhere, man!"
I mean, firstly, I love writing. I used to write a regular column for a "weekly" back in 2005 that was started by former members of the Denver Post, as well as cover stories for a monthly music magazine. I adore writing feature stories, because I love listening to people's stories, as well as sharing them with others in a way that helps really authenticate and show off a person's talents and experience.
In my journey to where I am, I've actually become one of those obnoxious people that is doing exactly what I went to college for. And I've gotten here entirely on accident, though when I write it out now, it makes perfect sense.
I have a BA in Journalism and Graphic Design, with a Masters in Business and Entertainment Management. I've worked in marketing and pr in literary, commercial real estate, music and the cattle & equine industry (mentioned above). I've often been a hired gun for creative projects that require my type of skills, and most (if not all) of my jobs have come about because I created them or knew someone who threw me in and I learned the ropes as I went. I really enjoy that. There is always something to learn from your peers and experiences.
I've also been the girl you go to when you are looking for a recommendation on dinner, a place to stay, a person who can help with so and so. I really make it a priority to travel often, and when I do, to visit all of the people I connect with around the country, because you can't beat an old-fashioned smile and a handshake. Plus it really brings me joy to chat about all of these wonderful places with actually having been there myself. It kills me I'll never see the entire world before I die.
• What kind of things take up your time most days?
Hahaha… My one-year-old son, Hank. That, and really just thinking. I think a lot when I'm not actually able to sit down to crank out the work, so that when I finally do, I'm as productive as possible. I'm constantly devising ways to knock out what I need in short bursts to efficiently get things accomplished for both my clients and myself, and most importantly, so I can still be a mom. I'm lucky that I work with very like-minded people, which makes what I do even more fun!
• What is the most challenging part of your job?
There are just so many unpredictable things in PR, and a lot of them are really just dependent on timing. What's popular in the news right now? What did the reporter you're pitching do that day? Did you pitch something killer in the morning, and then a crazy national news item happen and you got buried? Did a fellow blogger you've been working with for years suddenly experience a family emergency? Is your contact overworked and/or their editor just won't allow coverage of your topic anymore (even if you're friends, you've had coffee and a personal relationship, and they covered the last four stories you've sent their way)?
We're all human. Life happens. But, more and more every day, competition for coverage out there is so coveted, so you really have to get crafty and personal so that you stand out. I know authors understand this! Some days, you're on fire with ideas. Some days, you're just blah. But we all have our coping mechanisms for pulling out of our brain fog. I think the most important thing to jump in front of the frustrations I mentioned above is managing expectations up front, and being honest to avoid any unpleasant surprises. Just a basic rule most of us learned at a young age. My grandpa (for whom Roger Charlie is named) always said, "If you always tell the truth, you never have to remember anything."
• What should authors expect from their publisher's marketing department and what is the most important thing they should do for themselves?
In my nine years in PR, I've had the opportunity to work as both an independent publicist and in-house, and I'll always go back to the core principle that communication up front is key. Two years ago, Dana Kaye at Kaye Publicity pulled me into their team to work in-house for Midnight Ink (sadly, closed this year), and currently, Seventh Street Books and Pyr (Prometheus Books), so I've been able to really keep current on both sides of the coin. When working with the publisher, we really do so much for our authors: create press materials, book mailings, trade publication submissions and coordination, outreach tailored to the author and their book, event and festival coordination, local media pitching in any markets where the author is touring, and sometimes even coordinating special marketing promotions when a fit, award submissions.
Every publishing house is different, but that is generally standard. If you're with a publisher, ask them questions you have about their pr and marketing plans in support of your title(s). You're a team, and it's in everyone's best interest! If you're interested in seeking out an independent publicist to beef up your efforts, be clear about your goals, timeline, and plans around your release – and start early! We/they'll design a campaign custom to you that will work in tandem to support the efforts of your publisher. And keep in mind most publicists need six+ months in advance (the earlier the better) to do all the hard work before your book even hits shelves.
• Can you share any creative campaign initiatives you've worked on in support of a book release?
I've done activity / subscription boxes around children's books, as well as a full US band tour around an album and book, released simultaneously by a singer-songwriter and author. A few years back, I worked with a brilliant author who wrote a non-fiction book about taking her adopted children back to the country of their birth to live, so we approached Intercountry adoption agencies for the author to provide advocacy and education around her travels.
Currently, I'm working with Denver author Stephanie Kane, who releases her crime fiction novel A PERFECT EYE in September. She's fascinating, and whip smart! Her story centers around the paintings of Gustave Caillebotte, so we've set up events for her with Art Gym in Denver (consequently during Book Art Month), as well as a special one-night salon with a client / friend of mine at his photography studio, which he pens is for "normal folks with an unexpectedly remarkable hidden artistic skill."
I adore the strategy behind pairing various marketing and publicity efforts together for a specific result, but my favorite are these out-of-the-box ideas above, because they really tap into communities that would most likely never have come across the author or book on their own. It's fun to shake-up a person's day-to-day, and help them try something new, because, wow, there are some amazing people out there!
~ ~ ~ ~ ~
I loved getting to know Sami a bit better, and hope you did too. For instance, I did not know she was close, personal friends with a bunch of cows! I find that delightful. What would you like best about being a publicist or working in the world of marketing/PR? Anybody have any questions for Sami?
I'm Sami, and I love teaming up with creative minds to make magic happen. I revel in sharing your incredible creations with the world through thoughtfully-crafted imagery, wording and placement.
And let's be honest, work's just better when you have a little fun!
After 15 years in promotions, marketing and business management in a variety of industries, I stumbled into the world of publicity in 2011 and have found tremendous joy in helping all types of creative souls step into the limelight. I've sat shotgun on strategy, booked national tours for authors and musicians, traded years of correspondence with media outlets, bloggers and influencers all over the world and even jumped into some very non-traditional promotional campaigns. Hey, you don't know until you try!
Social / Online Links:
Website: http://www.rogercharlie.com/your-wingwoman
Facebook: https://www.facebook.com/rogerthatcharlie
– Personal: http://instagram.com/samijolien
– Business: http://instagram.com/rogerthatcharlie
Spotify: https://play.spotify.com/user/121392816?play=true&utm_source=open.spotify.com&utm_medium=open
Goodreads: https://www.goodreads.com/user/show/5470530-sami-jo
YouTube: https://www.youtube.com/user/SongsForJake/about
Twitter: http://twitter.com/samijolien
LinkedIn: http://twitter.com/samijolien


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University of Michigan
Runs his own tutoring company
Carl taught upper-level math in several schools and currently runs his own tutoring company. He bets that no one can beat his love for intensive outdoor activities!
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University of Michigan
Runs his own tutoring company
Carl taught upper-level math in several schools and currently runs his own tutoring company. He bets that no one can beat his love for intensive outdoor activities!
To find the equation of a circle, you need the radius and the coordinates of the center. When given the endpoints of the diameter of a circle, the coordinates of the center will be the midpoint of the two endpoints. Use the midpoint formula to find the coordinates of the center. To find the radius, you can do one of three things: 1) Use the distance formula to find the distance between the 2 endpoints, then divide that value by 2, since radius is half the diameter; 2) Use the distance formula to find the distance between the center and one endpoint; 3) draw a triangle between the center and one endpoint and use the Pythagorean Theorem to find the distance of the diagonal, which is the radius. Once you have the radius, plus the values into the equation of a circle.
So finding a equation for a circle when we know the center and know the radius is really easy, but we're not always given that information. So sometimes we're given other information about the circle and then asked to find the equation.
In this case what we're told is the end points of a diameter and if you now remember a circle has an infinite number of diameters it's just the distance from one side of the circle to the other, so depending on where in that circle you're looking, you could have a number of different diameters.
So we're given the information about one particular diameter and what that tells us is a number of things. I'm not going to plot the points too precisely because I'm just sort of getting a general idea of what's happening.
So we know we have a point at 5,5 which is somewhere over here and we have a point at -3,1 which is somewhere over here. What we want to do is find two things; we want to find the center of the circle and we want to find the radius of the circle. We can do both of these two things using these two endpoints.
The midpoint of a diameter is going to give us the center, it's going to be a radius on either sides so therefore that will the center. If you remember how to find the midpoint of a segment, it's just the average of the xs and average of the ys, so let's do that first.
We know that the center then is just going to be the average of your x values which is just going to be 5 plus -3 over 2 and 5 plus -1 over 2. Calculating this out, 5 plus -3 is 2, 2 over 2 is 1. 5 plus -1 is 4, 4 over 2 is 2, so we have found the center to be the point 1,2 and this point over here is 5,5.
So now we have the center, half the battle. We also need to find the radius and we have a couple ways of finding the radius. I'll tell you about a couple of them and then we'll jut do end up doing one of them. The ways we can find the radius, first what we can do is take the distance between our two end points using the distance formula and that will give us the diameter. Diameter divided by 2 is going to give us the radius, one way.
We could also use the distance formula between these two points. Again using the distance formula, that would just give us the radius straight away. The other way which is a little bit trickier is to just draw a triangle using these two points on a coordinate and axis, so all we have to do is draw in this triangle and then we can use the Pythagorean Theorem because we know the difference between our x coordinate and our y coordinates.
So looking at our x coordinates, we go from 1 to 5, so the base of this triangle is a distance of 4. Looking at our y coordinates, we go from 2 to 5 so our y is a distance of 3 and that leaves us with a 3, 4, 5 triangle. This has to be a right angle because we're dealing with change of x's plus change of y's, so we can just look and know that our radius has to be 5.
So what we've done is we have evaluated some information using our two endpoints, we found our midpoint which is going to be the center and we found our radius using the Pythagorean Theorem. Now all we have to do is plug this into our circle equation which we just know is the x minus the x coordinate on the center, just 1, plus y minus the y coordinate of the center which is 2 those both squared equals radius squared of 25.
We're a little bit more involved than just being given the center and the radius, but still very attainable.