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Can TreeHouse Foods' Restructuring Plans Lift Performance?
Solid restructuring initiatives as well as focus on boosting organic offerings are adding sheen to TreeHouse Foods, Inc. THS. However, sluggish sales trend and weaknesses in the snack's unit are concerns. Let's take a closer look at the aspects impacting this foods and beverages player.
Restructuring Efforts are Yielding
The company is progressing well with the Structure to Win program, which focuses on aligning SG&A expenses with division structures. Markedly, the company generated Structure to Win savings worth $75 million in 2018, which exceeded original full-year target of $30 million and run-rate target of $55 million. The company expects to maintain solid cost control in 2019, wherein it anticipates Structure to Win plan to continue yielding. This will enable TreeHouse Foods to cut SG&A expenses, which were earlier expected to decline by nearly $20 million (on a net basis) in 2019.
Additionally, the company is on track with TreeHouse 2020 strategic plan that was announced in second-quarter 2017. The plan has been designed to restructure and realign the business as a whole. Alongside cost savings, the initiative is expected to manage the company's portfolio and optimize production and supply chain. The plan aims to improve the company's operating margin by 300 basis points (bps) by the end of 2020, by undertaking complete business integration and expense reduction. The company expects to invest these savings in market-differentiated capacities to cater to consumers' ever-changing demands. In this regard, it made certain achievements in the first phase of the program.
The company is also progressing well with TreeHouse Management Operating Structure (TMOS). According to this plan, the company closed the Visalia pretzel plant in the first quarter of 2019 and announced the closure of Minneapolis Snacks plant. TreeHouse Foods has rolled out TMOS to 15 sites and launched lean production facilities at 12 places.
Efforts to Strengthen Portfolio
TreeHouse Foods focuses on expanding product offerings through acquisitions. Some of the noteworthy buyouts include Private Brands, Flagstone Foods, and Naturally Fresh, Inc. among others.
Apart from this, the company is trying to bolster footing in the organic foods space. Notably, premium, better for you, natural and organic offerings contribute more than 21% to the company's sales. In fact, we note that the restaurants and retailers are increasing the use of cage-free eggs, as they are healthy. The company expects sustained growth in these areas and it continues to focus on developing formulations, packaging and improving sizes.
Can Efforts Cushion Headwinds?
The company's first-quarter 2019 results marked its eighth consecutive quarter of year-over-year sales decline. The downside was caused by SKU rationalization of low-margin businesses and the divestiture of McCann's business. Excluding SKU rationalization and divestiture impacts, sales declined primarily due to adverse volume/mix and foreign currency headwinds.
Moreover, we note that softness in the Snacks segment is a persistent concern. Troubles in the division prompted management to announce the closure of the Snack nuts and Trail mix plant in Minnesota. Meanwhile, the company continues to review strategic opportunities for the snacks business and expects to complete the same by August. Going ahead, management expects the Snacks and Meals Solutions business to drag second-quarter results.
Due to such headwinds, shares of the company have declined 7.7% in the past three months, against the industry's rise of 7.1%.
Nevertheless, we expect this Zacks Rank #3 (Hold) company to tide over the aforementioned hurdles on the back of solid restructuring initiatives. This is likely to help boost investors' confidence.
Looking For More Consumer Staples Stocks? Check These
Hershey Company HSY with long-term earnings per share (EPS) growth rate of 8%, carries a Zacks Rank #2 (Buy). You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
Campbell Soup Company CPB, with long-term earnings growth rate of 6%, carries a Zacks Rank #2.
General Mills GIS, with a Zacks Rank #2, has long-term earnings growth rate of 7%.
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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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IGNITE Session
Polynomiography: A Visualization Software for STEM Plus Art at K-12 and Beyond
General Session IV
Fri. 10:30am-11:15am
Polynomiography software has the potential to attract and invite students of all ages into working and playing with polynomial equations. Equations are no longer dry, lifeless or scary. On the contrary, Polynomiography turns them into desirable objects, leading to colorful images, as individual as any other artwork rendered via painting or photography. Equally important, through Polynomiography both students and teachers can explore mathematical and algorithmic thinking, or discover algebraic and geometric properties on their own. Many sophisticated properties become visually obvious. Suddenly, new applications of polynomial equations become possible, combining STEM with art. Polynomiography is a fantastic tool of STEAM.
Bahman Kalantari
Bahman Kalantari is a professor of computer science at Rutgers University. His research areas include theory and algorithms for optimization problems, as well as for solving polynomial equations. He has introduced the term Polynomiography for algorithmic visualization of polynomial equations and holds a U.S. patent for its technology. Polynomiography has been featured in national and international media as a medium that combines art and math and has the potential to become a powerful educational medium. He has delivered over 100 presentations on Polynomiography in more than a dozen countries to audiences that include, middle and high school teachers and students, educators, mathematicians and scientists, as well as the general public. Polynomiography continues to attract students at Rutgers into creative and interdisciplinary activities that combine STEM and art. With the help of interested educators, he hopes to introduce Polynomiography software into K-12 education in New Jersey and beyond. Over the years he has taken a keen interest in fine art, even fashion, all based on Polynomiography. He is the author of the book, "Polynomial Root-Finding and Polynomiography.'' He maintains the website www.polynomiography.com.
Search the site

subset: commoncrawl


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serves 6
- 1 package of Near East taboule mix
- 1 cup of fresh tomato - chopped
- 1 tablespoon of fresh mint
- 1 tablespoon of fresh lemon juice
- 1 tablespoon of olive oil
Cook taboule according to package instructions:
(Put the wheat and the contents of the spice packet in a large bowl. Stir in 1 cup of boiling water. Cover the bowl with plastic wrap and put it in the refrigerator for 30 minutes.)
Chop the tomato, removing the seeds.
Stack about 7 or 8 mint leaves on top of each other.
Chop the mint into very fine ribbons.
Squeeze the juice from 1/2 of a lemon.
Add the chopped tomato, mint, lemon juice, AND 1 tablespoon of olive oil to the taboule. Mix everything together.
Cover up the bowl again and put it back in the refrigerator for at least 1 hour.
Stir before serving.
Adapted from: Near East


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Brasserie Sixty6 just started a weekly Jazz Brunch on Sundays at noon and we decided to check it out.
We were seated under a chandelier constructed from wine bottles...
SIDEWALK SAFARI SPOTLIGHT: Check out our huge list of one day Dublin City itineraries to keep you busy.
We chased our starters with something sweet and split the lemon ricotta pancake. It was huge and extremely tasty.
Brasserie Sixty6 continues this new tradition of jazz on Sundays. We'll definitely be back.


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Dino Run : Enter Planet D
Tags: Running Games / Dinosaur Games / 1 Player Games / Flash Games / Free Games / Side Scrolling Games
Publisher: A10.com
Video Walkthrough
Can you find paradise on Planet D? Find out in this new set of weird Dino Run challenges.
Arrow keys to move.
Embed this game
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Douglas John Bibeau, 66, of Balsam Lake, Wisconsin, passed away on Tuesday, January 14, 2020 at Regions Hospital in St. Paul, Minnesota. Douglas was born on February 17, 1953 in Amery, Wisconsin the son of Roy and and Betsy (Brunberg) Bibeau.
Doug served his country in the United States Navy from May 1975 – May 1981. He was awarded the National Defense Service Medal, Antarctic Service Medal, Good Conduct Award and the Navy Battle "E" Ribbon. He married Jacquelynn Walker on August 14, 1976 while in the United States Navy. He returned to Balsam Lake in 1985 where he lived until he passed away. He had been employed at Northern Metals, Polaris, Bishop, Angler's Inn, Paradise and Indianhead over the years.
Doug enjoyed watching football with his grandson Jonathon, talking politics with his grandson Josef and talking about the TV show Jeopardy with his sister Sue. He also enjoyed cooking and visiting with his family. He will be dearly missed by all.
Doug leaves to celebrate his memory: wife, Jacquelynn L. Bibeau, Balsam Lake, WI; daughter, Megan Walker, Balsam Lake, WI; grandchildren: Carrie Lamachia, Jonathon Lamachia and Josef Bornhoeft, great grandchild, Madison Lamachia, siblings: Michael (June) Bibeau, Mikana, WI; Stuart (Mary) Bibeau, Balsam Lake, WI; Suzanne Jansen, Balsam Lake, WI; Kristine (Steven) Peterson, Twin Falls, ID, Lucinda Glebus, Balsam Lake, WI; many nieces, nephews, cousins and other family and friends. He was preceded in death by his parents, Betsy and Roy Bibeau, sisters: Mary, Rose Ellen and Julie Bibeau.
A Memorial Service for Doug will be held on Thursday, January 23, 2020 at 11:00 A.M. at Our Lady of the Lakes Catholic Church in Balsam Lake with visitation at the church one hour prior to the service.
The Kolstad Family Funeral Home of Centuria has been entrusted with funeral arrangements.
To send flowers to the family or plant a tree in memory of Douglas John Bibeau, please visit our floral store.


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Fire rated mortar is used for sealing penetrations through concrete floors and walls where fire rating is required. It is light weight, quick setting and easy to apply.
As well as being competitively priced and easy to apply, Passive Fire Systems mortar has been tested to meet the requirements of A.S 1530 part 4, and A.S 4072.1 for varying penetrations.
It comes in a 20kg bag, just add water and adjust to the consistency required for application. White in colour and cures quickliy.
Sealing penetrations in floors and walls. Please seek advice.
Carried in stock, many tested applications and easy to use.
Fire rated sealant is used to seal small linear gaps of up to 50mm to ensure the fire safety of a wall or floor. These products are easy to apply and can be painted over once dry for a flawless finish.
Passive Fire Systems sealants are available in both sausages and cartridges, have been tested to meet A.S 1530 Part 4 and A.S 4072.1 requirements and have various building application uses.


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mullah Ismial KhajueeEnglish 1742 Views |
در این متـن میخوانـــیم :
Mullah Ismail Khajuee, an Iranian theologian, philosopher and jurisconsult in the 18th century. Except training great students and writing many books, he also improved "Isfahan Hawzeh" (religious school). Khajuee and his contemporaries tried to improve this school which had collapsed before; soon it was one of the most important schools for intellectual and transmitted sciences. Khajuee studied intellectual and transmitted sciences in the presence of "Fazel Hendi". He also studied under "mullah Hamzeh Gilani" and "mulla Sadeq Ardestani". Khajuee was a virtuous person and had a simple life. His most important #### students:
1- Mirza Abul Qasem Modarres
2- mullah Mehrab Hakim
3- Aref Gilani
4- Agha Muhammad Bid Abaadi
5- mullah Mahdi Naraqi
He wrote over 150 books:
1) Explanation of 40 prophetic Hadiths
2) Marginal notes on "Arba'een" (the forty, written by sheikh Bahaee)
3) Gloss on "verses of commandments" (written by Ardebili)
5) Rejecting Sufism (in Persian)
6) Glad tidings for Shia
7) On the questions of resurrection ,etc.
Shia encyclopedia -vol.7
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Making Peace (and/or products) with Marketing
There are a range of ways that marketing can relate to engineering. At one end are companies where engineering is the core competency and marketing "leadership" is an absurdity. At the other end are companies where marketing tells engineers what to do.
The most extreme example of the former comes from fiction. It's the nameless fictional company that employs the cartoon character Dilbert. In three daily Dilbert strips starting July 27, the character Alice -- a competent, under-appreciated and violence-prone engineer -- relates to marketing people by banging their heads on furniture. In one strip she tells a prospective employee, "I'm going to bonk your head on the table. If it sounds empty, you'll work in marketing."
The most extreme example of the latter comes from reality, and stars in "The Phone Companies Still Don't Get it", by Mark Gimein, in the July 31, 2006 issue of BusinessWeek.
Gimein opens with the story of his visit to the home of an AT&T (formerly known as SBC) "customer" in San Antonio, where he was led to witness the wonders of the company's Project Lightspeed. Here's how he reports what happened:
You would think rounding up a bona fide customer for two reporters shouldn't be impossible, but the proud homeowner who meets me at the door is wearing brightly polished cap-toed oxfords and a blue button-down shirt, an odd outfit for a guy sitting around his own house waiting for a reporter to stop by. And so we make our greetings and I sit down in front of the TV. In the armchair next to me Jeff Weber, the AT&T vice-president in charge of Project Lightspeed, grabs the remote control. He presses a button. The channel changes (much faster, he points out, than on a conventional cable system). He hits another button. It changes again.
He gives a little flourish and gestures to the set. "TV," he says. "It works."
I ask if this brand-new system will let me record one show while watching another, as TiVo (TIVO ) or my own cable box at home do. Sure, says Weber, as soon as AT&T gets the new generation of set-top boxes built and delivered.
Meanwhile, the homeowner has remained standing, watching me watch TV. So I try to break the ice, asking what he does, assuming he doesn't work for AT&T. Actually, he corrects me, he does.
"So what exactly do you do?" I ask.
"I'm the architect of Project Lightspeed." For a few seconds I take this in, wondering why nobody bothered to tell me.
It's a classic moment, an illustration of where the power lies in telecom. It is tough -- no, make that impossible -- to think of another ostensibly technology-focused industry where the chief technical architect of a planned multibillion-dollar, company-changing project does not merit so much as an introduction. In fact, in San Antonio, that architect, John Kirby, neatly managed to dispel any confusion about the status of engineering at the company when, after clarifying what it is he does, he explained that when it came to big new projects, "marketing dreams it up, and then I have to design it."
It was toward the first extreme that I addressed my July 20 SuitWatch, Markets Without Marketing, as part of my preparations for giving a tutorial at OSCON titled Open Source Clue Training -- How to Market to People Who Hate Marketing.
The talk went well. The room was full. (Later I was told that it led OSCON tutorials in attendance.) Simon Phipps, the Chief Open Source Officer at Sun Microsystems, brought many people from his team. There was lively discussion afterwards, which continued into the halls and at dinner that evening. I was even asked by a number of marketing executives if I'd be willing to come talk to their teams.
Some of the response afterward was positive. Jim Grisanzio wrote,
I'm not in marketing, but I can think of many examples from the OpenSolaris project. But I wouldn't term them as "marketing" because they were all done by a mixture of program managers, engineers, executives, marketers, and non-Sun developers and system administrators. Also, they were all based in simple, open, and direct communications. Messages were rejected. Focus groups were rejected. Press releases were largely silent. Top down dictatorial management was absent. There were very few filters, and almost none as the project matured. Engineering led the effort, and engineers made all the important decisions since the program was designed to engage developers. Interactions were done in the open in a variety of forums -- conferences, blogs, mail lists, customer briefings -- and were diversified and distributed horizontally, not vertically. Launch activities were discussed with the community on open lists, and the engineers led the launch in every important way with literally hundreds of blogs. Anniversary activities were planned and implemented openly as well. Highly technical SCM discussions and evaluations are taking place in the open as well as governance and development discussions. Again, no filters. Now, was it all perfect? No. We got more open as we learned and experimented, and we got better at it as we went along. But was it a big step for a big corporation? Absolutely. Was it marketing? No. But did marketing participate? Yes. And that's the key. Participation in a market no longer takes place through a funnel. It's distributed and multidimensional, and there's probably no need to call it "marketing" any more.
And some was negative, including the majority of comments below Markets Without Marketing. Mark Collier's comment was titled "Sorry Doc, but you're wrong". He explained,
Ever seen a woman spend all day at a shopping mall and come home empty-handed, and completely satisfied with how she spent her day?
Doc might not need marketing, but the markets need and WANT marketing.
LostFlierBoy lamented the loss of silo'd choices:
I have a fear of "Viral" or "ooze" or "community" or whatever marketing...
My fear is that someone with online influence discovers my product or service and does not like it. In "traditional" marketing the worst that happens is that your marketing is ignored (ads, news releases, trade show booth, etc.) and people may talk about what they don't like about you among friends.
In the environment of the web if a blogger does not like what you offer they can chew you to pieces, sometimes without fact or communication, and influence thousands of people who influence thousands of others. They say that what you have to offer is not worth the money, time or effort. The posts and links and follow ups stay around for a long time making it very difficult to overcome what a blogger or two has done to what may be a great thing.
In her blog, Tara Hunt wrote a post titled It's not an Us vs Them, and provided three good examples of marketing and engineering working together. She concludes,
No, we don't need marketing as it has been understood for a long time. But rather than tossing it out altogether, the role of marketing has to change...and engineers and product managers and customer service and marketing has to be a seamless process...a team...with every single one of them touching both the customer and the product.
In Emergence Marketing, Francois writes,
It is true that many marketers are clueless and deserve the bad rap that they are getting. But more often than not, that behavior comes from the very top - with CEO's, CFO's and other VP's expecting marketing folks to do unnatural acts, and getting rid of them if they do not deliver the same old stuff.
Of course, marketing needs to get out of the way. It cannot be a bureaucratic wall between the customer and the company. But there is a huge gap between hearing what the customer says, and building successful products. Engineering has to have first line of communications with the customer. But while that may bring many advantages - ranging from a better understanding of customer needs by the people who are actually building the product, to better morale in the engineering team - this by itself will not lead to great product plans! You need very special skills and training to be able to turn market opportunities into successful product strategies.
And of course, we need to get rid of no-value web sites and replace them with linkages to the information sources that matter and enhance them with tools to enable various people inside and outside the company to talk and communicate with one another. But shouldn't you have someone in charge of that? Or do you believe that a free-for-all environment will result in an infrastructure where the customer will find what they need in a timely fashion?
And yes - marketing is too often focused on "capturing and holding customers, rather than "finding and satisfying customer needs"." As John Hagel says, they need to move from the 3I's (intercept, insulate, and inhibit) to the 3 A's (attract, assist, and affiliate) - no question about it! But shouldn't you have someone take the lead in that?
Look, you can argue that you do not really need a marketing department - and for practical reasons, I think you do. But you cannot argue that a company should have no marketing. Marketing is what a company should do. Everyone within the company should wear a marketing hat!
Market was a noun long before we made it a verb. And it was a verb, I suppose, for awhile before we nouned that verb into the profession called marketing.
So let's go back to the noun. Companies operate in markets. Those markets might be demographics, or categories, or appetites, or locations, or whole regions. In most cases today, the Internet has profoundly changed conditions in those markets. Perhaps I went overboard in characterizing the old world as a matrix-like one where customers were held captive. But I don't think I was far off in characterizing every individual as a Neo.
We all want to be free -- as employees, as customers, as specialists, as original and autonomous authors of whatever we do in a world we no longer merely inhabit, but actually make.
Marketing, whatever it becomes, needs to be part of making the world. It needs to be connected and constructive.
Building silos is easy. Building a free and open marketplace? It's gonna take awhile. But it should be just as much fun for those promoting stuff as for those making it.
Here are the visuals from the tutorial: http://searls.com/doc/presentations/2006oscon/. If you're up for it, see what you think the constructive new roles for marketing might be. I don't have the answers. I just know we've got a lot to build.
The first version of this piece comprised the 3 August 2006 edition of SuitWatch.


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Gerald Fred Hill married Marylin Sue Cannon on 17 Sep 1966 in Coer d'Alene, Idaho.
Marylin Sue Cannon [Parents] was born 5 Jan 1944 in Dickinson, North Dakota. She married Gerald Fred Hill on 17 Sep 1966 in Coer d'Alene, Idaho.
They had the following children:
M i James Brian Hill was born 6 Mar 1968 in Spokane, Washington. M ii Jeffrey Cannon Hill was born 3 Sep 1971 in Spokane, Washington.
Gary Curtis Cannon [Parents] was born 26 Oct 1953 in Spokane, Washington. He married Kathleen Dovell on 15 Apr 1972 in Coer d'Alene, Idaho.
Kathleen Dovell married Gary Curtis Cannon on 15 Apr 1972 in Coer d'Alene, Idaho.
They had the following children:
F i Angela Marie Cannon.
Samuel Adams married Caroline.
Caroline married Samuel Adams.
They had the following children:
F i Mary Adams died 1875.
John Richards.
He had the following children:
F i Roma Richards.
J. T. Willis married Catherine Cannon.
Catherine Cannon [Parents] died Dec 1964 in Quincy, Illinois. She married J. T. Willis.
Damon Driver married Ann Cannon.
Ann Cannon [Parents] married Damon Driver.
Fred Schnitzer married Ruth Cannon.
Ruth Cannon [Parents] married Fred Schnitzer.
Unknown Wright married Roma Cannon.
Roma Cannon [Parents] married Unknown Wright.
Homer George Wheeless [Parents] was born 23 Jul 1897 in Rock Island, Texas. He died 13 Mar 1966 in Dallas Veteran's Hospital, Dallas, Texas and was buried in Myrtle Cemetery, Rock Island, Texas. Homer George Wheeless married Sadie Eula Smith on 15 Dec 1920.
Sadie Eula Smith was born in Kiowa, Oklahoma. She married Homer George Wheeless on 15 Dec 1920.
They had the following children:
F i Emily May Wheeless was born 12 Oct 1926. M ii Joe Stephen Wheeless was born 14 Dec 1927. F iii Frances Hope Wheeless was born 14 Jul 1932. M iv Homer David Wheeless was born 9 Oct 1921.
Homer David Wheeless [Parents] was born 9 Oct 1921. He married Ruth Jones.
Ruth Jones was born in Kentucky. She married Homer David Wheeless.
They had the following children:
F i Sharon Wheeless was born 10 Nov 1954.
Surname List | Name Index


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13 April 2016
TIP: Exploring Exotic Pentatonic Tunings - p7
The distinctive relationship between the "5" and the "1" on your kalimba
Here is a classic characterization about the "5 - 1" interval. Think, for a moment, about "5" as "Heave!", and the "1" as the "Ho!" It's kind of like call and response: the "5" is the call, and the "1" is the response. Once you play the "5" (or say "Heave!"), you are priming the ear for the "1" (or "Ho!"). You can play the "5" and NOT go to the "1", but doing that can leave the listener seriously up in the air. To prevent their feeling toyed with, replace that resolution with something that's worth the surprise - make it good and satisfying!
The key thing in this tip is the physical relationship between the "5" and the "1" tines on your kalimba. In each of these kalimbas, any time you find a "5" tine, the next higher "1" note will be adjacent to it and one tine shorter (or further out and away from the middle - meaning further left if you are on the left side, and further right if you are on the right side). So the "5" leads to the "1" harmonically, but the "5" also leads to the "1" physically! On these kalimbas, they are next door neighbors!
This is very important: instead of memorizing where all the "5" notes are and where all the "1" notes are, consider the two note phrase "5-1". For now, just consider the "5-1" phrases that are adjacent to each other. Now, memorize the motion, "5 ->1".
The Ake Bono and G minor Pentatonic tunings both have "5" and "1" in the same position on the kalimba. The F7 Bebey tuning has the "1" and "5" in that position too, but shifted down by one tine.
And now the assignment: first, look through these videos once again, armed with your new understanding of the phrase "5->1", and try to identify the places it is used. Next, pick up your own kalimba and first practice just doing "5->1". (If you have a diatonic kalimba, the "5" and "1" tines will not be adjacent. They will either be on opposite sides or on the same side with one tine separating them.)
Next: play some of your own typical kalimba improvisation and see if you can identify the use of "5->1" in your own playing. If you videotape it so you can more easily separate the act of playing from the act of observing.
The motion "5->1" helps us to hear "1" as the root note. When you pick up a strange kalimba, see if you can find any "5->1" intervals by ear. If you work it as much as I am trying to inspire you to, you will be able to hear and understand the way "5->1" sounds. It is an essential piece of "grammar" that most western music uses. You will probably be able to find several "5->1" pairs (e.g., "6->2" is also a 5th interval). You can actually choose any of those notes on the right side of that equation (e.g., the "2" of "6->2") to be considered as the root note... and you will be in a different mode.
"Floaty Kalimba" on the F7 Bebey tuned pentatonic kalimba.
"Peaceful Mystery" on the G Ake Bono tuned pentatonic kalimba.
"Malian Blues" on the G minor pentatonic kalimba.


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Price: $15.00
Quantity: 1 available
Book Condition: Very Good+ in Good+ dust jacket
Book has only light wear and aging, mostly on foredges. Jacket has some edge, corner and surface wear including one quarter-sized chip at top on front. ; B&W Illustrations; Large 8vo 9" - 10" tall; 182 pages; This book was produced by combining Ben Hunt's Whittling Book (1944) and More Ben Hunt Whittlings (1947). Many projects and patterns are included.
Title: Ben Hunt's Big Book of Whittling
Categories: Woodworking,
Edition: Second Printing
Publisher: New York, MacMillan: 1974
Binding: Hardcover
Book Condition: Very Good+ in Good+ dust jacket
Item: 1.00 Item
Seller ID: 13459
Keywords: Woodworking Woodcarving Crafts


text: Belchim Crop Protection NV empowers farmers through innovative crop protection products and high-end technical support. Founded in Belgium in 1987, it is a globally expanding company with sales of € 500 Mio in 2017. Under the leadership of its founder, Dirk Putteman, Belchim Crop Protection has grown into an established name in the crop protection industry over the last thirty years. With innovative products, a high level of technical support and a focus on development, registration and commercialization, Belchim offers unique agrochemical solutions for today and tomorrow. To learn more about Belchim Crop Protection, please visit www.belchim.com


text:
Posted: Apr 03, 2019
HCC 7, Potomac State 4
HCC 12, Potomac 0
KEYSER, W.Va. — Kaitlin Wolfe had a home run, a double and two RBIs to lead Hagerstown Community College past Potomac State in the opener of a doubleheader sweep Monday.
In the first game, Maddy McDonough had three hits, including a double, and an RBI and Victoria Oliver had two hits and a home run.
In the five-inning second game, Emily Talbert had two hits and two RBIs and pitched a two-hitter with 10 strikeouts.
Victoria Oliver had three hits, including a homer, and four RBIs, Cierra Beaver went 4-for-4 with two RBIs, Lilly Oliver had two hits, including a double, and two RBIs and McDonough had two hits and an RBI for the Hawks (19-7).


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Kailash Mansarovar Yatra an incredibly mystical trip where one can achieve the blessings of almighty Lord Shiva. People of different religious communities participate in this sacred excursion where adventure comes with a tinge of faith, Spirituality, Religion, Beliefs, and Devotion.
The time came to begin the spiritual break when you reach the destinations Mansarovar Lake. During drive to Lake Mansarovar, you will also get a short sight of Rakshas Tal (Demon's Lake) which is on the other side of the lake. Kailash Parvat and Mansarovar Lake is described as Utmost Holy Lake where it is supposed that the Lords Shiva and Indra swam as swans. It is really hard to reach such a high altitude, which is why very few pilgrims are able to do the Kailash Mansarovar Yatra.
The holiness of the place soaked into us when we took a holy dip in Mansarovar Lake. It is the amazing experiences for all the pilgrims. One can get the holy water of Kailash Mansarovar to home as well. The Mansarovar lake is a spiritual beauty of the Natures.


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Marilou Kids' Waterproof Jacket
The name 'Marilou' means 'star of the sea', which this Marilou jacket certainly is thanks to its full wind and waterproof protection. Boasting a padded shell with a full fleece lining, the children's raincoat features a detachable hood with press-button fastenings, a storm flap concealing a full front zip fastening, long sleeves with elasticated cuffs, 2 front zip pockets, an adjustable hem drawcord and is decorated with piping details at the sleeves. We'll be travelling the world and the seven seas in Marilou, but not looking for anything: we've already got it all in this kids' waterproof jacket.
The Definitive Guide to Waterproof Jackets
Trespass Technical Specifications Explained


text:
We have moved to GitHub Issues
You are viewing the read-only archive of Umbraco's issue tracker. To create new issues, please head over to GitHub Issues.
Make sure to read the blog posts announcing the move for more information.
Created by Stephan 26 May 2016, 12:54:11 Updated by Stephan 23 May 2017, 11:36:44
Relates to: U4-8497
Subtask of: U4-9600
Because NuCache kills most of the existing XmlDocument support and replaces it by XPathNavigator in order to support XSLT, everything related to XSLT in macros (especially macro.cs) needs to be refactored.
Imported from the NuCache branch: all XSLT moved to proper XSLT macro engine, all references to XSLT in legacy code etc refactored. All macro rendering that was in macro.cs now in Umbraco.Web.Macros.MacroRenderer. UserControl rendering also moved to proper macro engine. Basically MacroRenderer does ''not'' depend on ''anything'' from the legacy DLLs. Still provides the macro rendering features, so it's breaking compatibility in terms of ''how'' to do it--macros are still running unchanged.
Will be part of the U4-8497 mega-PR. Really tried to split things into smaller bits and PRs but... that does not seem really possible as all those changes are merged from NuCache branch at once.
Priority: Normal
Type: Task
State: Fixed
Difficulty: Normal
Backwards Compatible: False
Fix Submitted:
Affected versions:
Due in version: 8.0.0
Sprint: Sprint 59
Story Points:


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A bonus was being in town for Conference and the blessing of our brand new niece Baby T. (Daughter of Dave (Doug's bro) and Laura.)
We had a great weekend seeing everyone and had to go home too soon.
On our way out of town, we had breakfast with all of my Utah family. Unfortunately, the pics are on a different camera for which I've lost the cord. But it was good to see all of them too!
|Baby T meeting Baby Gray
|My boys LOVED Aunt Krissy's seeing-eye dog.
I wanted to boil them after they touched it (her), but I restrained myself.
*Dog hair! Shudder!*
|Cute cousins who were born only days apart. Clearly, they're kindred spirits!
|Aunt Bethy with cutie "I"
|President Uchtdorf: always a crowd favorite!
|John and Faezer came up and "watched" some conference with us.
If you missed anything, I'm sure you can borrow their notes!
|Sammy LOVES babies!
|Baby Gray with Grandpa W.
|These two haven't seen each other since they were babies. But it didn't take them long to catch up!
|Proud Mommy Laura, Baby T, and Sammy
|Beautiful Family!
|Ah, the cuteness!
|Doug with his Dad and Mom
|Their Favorite Child!


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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Chris Bowditch <bowditch_ch...@hotmail.com>
|Re: on changing fop documentation sources to markdown
|Wed, 18 Apr 2012 12:12:19 GMT
On 18/04/2012 07:24, The Web Maestro wrote: Hi Clay, > On Tue, Apr 17, 2012 at 7:52 AM, Chris Bowditch > <firstname.lastname@example.com <mailto:email@example.com>> wrote: > > BACKGROUND: > We are discussing moving XML Graphics web site to ASF-CMS. You > can see progress here: > > http://xmlgraphics.staging.apache.org/ > > > I realize its work in progress but it appears like you used an old > snapshot without the "TM" marks in the content or the new logo > that you designed. Also the links need to include License, > Sponsorship, Thanks and Security as per the branding guidelines. > This content is now live on the main site, so I guess you just > started with a snapshot from a few weeks ago? > > > I added the logo (in GIF, JPG, PNG & SVG formats... ;-) Thanks, but I don't yet see it on the staging website. Is there a delay before that appears? > > Sponsorship & Thanks were already there. License is on the Legal page, > which is there, but I've added it to the sidebar as well, along with > the Security page. ;-) Thanks. I can now see the 4 required links. > > I also got the Compliance table working. Unfortunately, the CMS is > stripping the 'class="ForrestTable"', so the coloring is > White-On-White (but if you select the text, you'll see the content and > layout is there). > > As for the navigation menu, I'd like it to collapse most of the links, > except the section you're in. Anyone have a favorite jQuery menu they > like for this? If not, I'll see about finding one... All the "TM" logos are missing from the content and headers though. It took me quite some time to add them to all the pages. Will you be able to re-sync the content with the latest xdocs as it would take quite some time to re-apply them and I want to tell the board that FOP, Commons and XML Graphics sites are now brand compliant in the upcoming report. Thanks, Chris > > Clay --------------------------------------------------------------------- To unsubscribe, e-mail: email@example.com For additional commands, e-mail: firstname.lastname@example.com
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Regular price 8.00
SYRACHA'CUSE Jalapeño Gourmet Mustard was our first gourmet mustard and was not only one of our families favorites but one of our customers favorites too.
Produced in very small batches using fresh jalapeño peppers and organic vinegar SYRACHA'CUSE jalapeño gourmet mustard is Vegan friendly with no artificial colors, and no sugars.
We love SYRACHA'CUSE jalapeño gourmet mustard on brats and snappy griller hot dogs better know in our hometown of Syracuse as coney's, we also love our SYRACHA'CUSE jalapeño gourmet mustard in our deviled egg recipe and of course on all our favorite sandwiches
If you love old world style artisan mustards you're going to love SYRACHA'CUSE gourmet jalapeño mustard, but hurry we only produce our mustards in very small batches and in limited quantities.
Tasting Notes:
- Heat Flavor Scale - Mild with a bite
- All-Natural, Vegan, Gluten-Free, GMO-Free, Sugar Free
- Recipe ingredients include-Jalapeño peppers, mustard seed, organic vinegar.
Have questions about our products check out our FAQ page, visit us on You Tube or chat with us online.


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Customers Also Viewed
The Windsor is a great starter pool table. It has 1" professional slate top with solid maple wood rails and legs. The wood cabinet of this table is veneer. Veneer means it is a particle board wood frame with a thin piece of real wood glued on top giving it a nice furniture wood finish. It is a less expensive material than solid wood so it brings down the price of the pool table. Great starter pool table if you are looking for something that has a professional 1" inch slate top and professional bumpers. Simple clean look with square contemporary style legs. Come see it on display at our retails store or give us a call at 408-605-0117 if you have any questions.
- Solid maple wood rails and legs. Veneer Frame. Triple solid wood support beams.
- 1" slate top with wood backing. 3 piece slate.
- K-66 100% gum rubber cushions.
- Available in 7ft or 8ft
- 7ft table: 700 lbs. Outside dimensions: 49"x 87". Inside playing dimensions: 38" x 76"
- 8ft table: 750 lbs. Outside dimensions: 55"x99". Inside playing dimensions: 44"x 88"
- Available stains: Cherry or Espresso
- Felt Color: Any color of your choice
Come visit our retail store:
Billiard Wholesale
283 East Brokaw Rd
San Jose, CA 95112
408-605-0117 (phone lines open 7 days)
Mon-Friday 10am-5pm, Sat: 10am-4pm, Sun: Closed
0 Reviews
Shipping & Returns
Returns and Refunds
You can return any item, except custom-made tables, within 30 days of your purchase, provided that the item is still in a brand new condition as it was when it was received.
Return shipping is paid by the customer. Items that are deemed to be unacceptable for resale cannot be refunded. Customers need to ensure that items are properly packed to protect against damage during delivery.
Return Address Billiard Wholesale
283 East Brokaw Rd
San Jose, CA 95112
Attn: Online Returns
Customers should examine all packages for damage upon arrival and note with the carrier any visible damage to the product packaging.
Items that CANNOT be Returned
- Labor, shipping cost, delivery and/or installation services
- Consumable goods such as chalk, felt, shuffleboard powder, etc.
- Items that are damaged, abused or appear to be misused
- Items that are missing parts or accessories
- Items that have been personalized
- Special order items
Refund Payment Methods
Billiard Wholesale may issue refunds in the form of a credit to the original credit card, check or in-store credit. Items that are returned that were originally purchased with a check or cash will be issued either an in-store credit, or a check for the refund amount will be mailed to you from our corporate offices. Purchases that were made by check will be refunded once the customer's check has cleared our bank. Cash and check returns that require a check from our corporate office may take up to 10 business days to process. Refunds issued for returned merchandise that was purchased with a credit card will have the amount of the refund credited back to the card that was used for the original purchase. If the original card is no longer available, an in-store credit can be issued, or a check will be sent from our corporate offices within 10 business days of the return. Billiard Wholesale reserves the right to refuse a refund without a receipt and to makes changes to this policy without notice. If you have received damaged or defective merchandise, please call our Customer Service at 408-605-0117.


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Jennifer Lawrence brands Meryl Streep as her role model
Jennifer Lawrence has revealed that she considers Meryl Streep as her role model, adding that she looks up to her for inspiration.
The 'Silver Linings Playbook' star told Spanish magazine AccionCine that she would like to live her life the way the veteran actress has lived hers, Contactmusic reported.
The Oscar-winning actress asserted that she respects the fact that unlike her, Streep has kept her private life private, like when she went away with her kids, and nobody got to see the pictures of her babies.
Another fact that Lawrence likes about Streep is that she is only an actress.
Sign up for all the latest news, top galleries and trending videos from Mid-day.comSubscribe


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Deep Nervous System Care - (recorded course)
A four-week, recorded, self-led healing immersion into deep nervous system care.
In this course, you will learn to relax and strengthen the nervous system eliciting a deep healing response in all aspects of life -- emotional, psychological, physical, energetic, and spiritual. This is essential work for optimal wellbeing.
For full course details, see the course page HERE.
Please note, this purchase is for the RECORDED version of the series. If purchasing, you will receive access to all materials to navigate on your own, at your own pace.
Once you purchase your course, you will receive access to a homepage that includes all of the content. You are free to navigate the course work on your own schedule.
Included in the recorded version of the course are four video lectures, four video breathwork sessions, a food list for an optional nutritional cleanse, homework suggestions, a Spotify playlist, a bonus Kundalini Yoga kriya video, access to a private Facebook group, and additional resources.
(You will receive everything the live course participants had access to except for the option to join the classes in real-time.)
"Sometimes it is hard to step into a commitment via online channels. However, I did trust my instincts and it was the best decision ever to take your course. I think for me the most valuable part has been realizing the importance of trusting your body instead of being scared of it and knowing that your body is wise enough to fix itself if you give it the right space. I cannot thank you enough for breaking this barrier between me and my body(although we are one)." - Cansu
"Thank you so much for this class! It opened a new aspect of self-care and healing and huge growth potential! I have never come across anything like these teachings, and already feel my experience of everything changing! I love it and am so excited to continue learning about nervous system care. So grateful to you, Jessica!" - Christy
"Thank YOU so much Jessica! This class was so wonderful, and even though I didn't get to attend live, I got so much out of it. The gentle, healing practices that you taught us are so helpful, and I hope to be using them in my everyday practice. I truly believe that this work is what we need, slowing down, connecting with the body and the breath... Much love, and I am forever grateful to you because you have opened my eyes to healing in a beautiful way." - Angela
"Thank you so much for these wonderful tools! I'm so incredibly glad that I'm able to work with you! This is the first time in almost ten years that I have found some relief from physical pain and anxiety. I didn't understand that many of my physical ailments were due to the dysregulation of my nervous system." - Shari
"You've ALWAYS been a fucking fantastic teacher/leader in all of your online classes, but this one...you've glowed. You've absolutely nailed this course like a Mother 🙌🏼 so gentle & real & lovely. 1000% keep doing it! I'm in!" - Stevi
Read more testimonials HERE.
After purchasing, you will receive a welcome email within 24 hours. If you do not see your email, please check SPAM, promotion, and trash folders and search your inboxes for "mantrasandmiracles". If you still cannot find it, please email us at email@example.com
By purchasing this product, you agree to the following disclaimer.
Due to the digital nature of our content, refunds are not available.
Questions? Email us at firstname.lastname@example.com


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Addiction and Alcoholism Resources and Treatment Options in Clifton, Colorado
Clifton, CO – Near the center of Colorado's Mesa County, which is in the Grand Junction Statistical Area, is Clifton. Clifton is a census-designated place, which means that it has not been incorporated into any specific municipality. The most recent census to be taken in the United States, which was in 2010, found that the place had 19,889 residents. Clifton takes its name from the cliffs that are nearby.
Within the single zip code that includes all of Clifton live parents and children, students and teachers, shoppers and makers. All sorts of people live in Clifton – meaning that odds are, there are plenty of people in Clifton that would benefit from treatment or help for their drug addiction or alcoholism.
All throughout Colorado, rates of illegal substance abuse and alcohol consumption are steadily increasing. In a federal survey taken in 2011, 11.3% of Colorado adults said that they use illicit substances. Beyond that, 18% say that they get drunk a minimum of once per month. Look here for a more detailed picture of the statistics.
No one likes seeing their life fall apart, which is often the result of such addictions. But many feel they've fallen too far to recover, or that they're on their own in seeking help.
For those who are afflicted with addiction or alcoholism and are seeking help, resources are out there and people want to help. The following is a compilation of many of such resources in or near Clifton. We include topics such as:
- Alcohol and drug detox and rehab programs near Clifton, CO
- Free addiction resources near Clifton, CO, including Alcoholics Anonymous and Narcotics Anonymous meetings in Clifton
- Resources for the loved ones of addicts in Clifton, CO, including Al Anon and Alateen
- How AspenRidge Recovery could help you or a loved one


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Please visit their website to see the work being done to save these amazing endangered animals!
$15.00 $18.00
Our Tapir Toes design is engraved on a piece of classic cherry wood. Choose your size, chain color and between standard or textured chain. The chains are iron that is lead...View full product details
THIS SHIRT STYLE RUNS SMALL. A super-soft, form-fitting, breathable t-shirt with a slightly lower neckline than a classic t-shirt. • Tri-blend construction (50% polyester/25% cotton/25%...View full product details
Our Toby Tapir design is printed in vibrant color on a piece of beautiful walnut wood facing either left or right and finished with a...View full product details
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A roomy tote bag with a square bottom that'll hold whatever you need to carry. • 100% cotton canvas • Dimensions: 14 ¾" x 14...View full product details
Everyone needs a go-to, cozy sweatshirt to curl up in, so go for one that's soft, smooth, and stylish. It's also perfect for cooler evenings!...View full product details
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Our Tilly Tapir design is printed on a piece of lovely maple wood. Choose your length and between standard or textured iron chain that is lead and nickel...View full product details
Whether you're drinking your morning coffee, evening tea, or something in between – this mug's for you! It's sturdy and glossy with a vivid print...View full product details
THIS HOODIE STYLE RUNS SMALL. For when you get chilly on a summer evening by the lake, or simply need something comfy to throw on,...View full product details
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These earrings are very light weight and comfortable to wear! Our Thomas Tapir design is engraved on a piece of lovely cherry wood. Iron hooks, in...View full product details


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[TeamTreeHouse] Spring with Hibernate
230-minute Java Course
About this Course
Using Hibernate to manage relational data in a Spring web application is not only an extremely powerful and scalable approach, but also widely used. In this course, we'll add a database to an animated GIF library, and discuss some more powerful features of Spring and Thymeleaf, such as HTML forms, file uploading, form validation, and flash messaging.
What you'll learn
- Spring
- Hibernate
- Post-Redirect-Get
Integrating Hibernate with Spring
As a first step toward using Hibernate in a Spring application, we first discuss how to configure a Spring app to include Hibernate for data management. We'll add the necessary dependencies and configuration code so that a Hibernate SessionFactory can be autowired into Spring components and used to fetch data from the database.
Created By Chris Ramacciotti
Duration 3.50h
Size: 610.88 MB


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[Maison Mére] Yes, on the 15th of August, among the thousands of pilgrims, even our new Superior General Father Tomaž Mavrič made his pilgrimage to the foot of the altar of the Chapel of Our Lady of the Miraculous Medal. He entrusted his new mission to the Virgin Mary, to St. Louise and St. Catherine Labouré. At the end of the celebration of the Eucharist, which was attended by the Visitor of the new Province of France of the Congregation of the Mission and various priests, Father Tomaž pronounced the following words:
"Dear Brothers and Sisters,
It's with great joy that I address myself to all of you!
In these days and before I go to Rome to start my new mission as Superior General of the Congregation of the Mission and the Company of the Daughters of Charity, I desire to make this pilgrimage to our Holy Founders, St. Vincent de Paul and St. Louise de Marillac in order to put these six future years under the gaze and protection of our Lady of the Miraculous Medal.
The last 400 years we've been living the Vincentian spirituality and service to the poor have led to many fruits! May a growing deepening of our Vincentian charism in this 21st century transform each one of us into "Mystics of Charity".
May our Lady of the Miraculous Medal, St. Vincent, St. Louise, St. Catherine and all the Saints and blessed of the Vincentian Family intercede for us!"
"Come to the foot of this altar where graces will be abundant…" May the Virgin Mary intercede to obtain for Father Tomaž many graces, so that he might, according to the expressed wish of Saint Louise de Marillac, "safeguard the identity and vitality of the Vincentian spirit in the Company of the Daughters of Charity"(C 2).


text:
Hemingway Classic Traditions
Sunrise – Pillowtop
Autumn Breeze – Euro Design
Coral Cove – Firm
We selected the finest sustainable components for the Classic Collection
Organic New Zealand Wool
Delivering total-body comfort with unrivaled breathability, humidity control and assisting your body's natural temperature-regulation process.
Natural Cotton
Cotton is cool and performs as a natural thermal barrier. Cotton naturally allows your skin to breathe and does not trap heat.
European Split Foundation
The Hemingway mattress can be purchased with a European split foundation which is supported by wooden legs.
Coil on Coil
Coil on coil utilizes 2,200 wrapped coils allowing each sleeping partner a heavenly sleep.
Hemingway the Outdoorsman
Hemingway worked hard and played hard. He was an outdoorsman who appreciated the benefits of a good nights sleep.
Hemingway in Paris
In Paris, Ernest Hemingway became a part of the Lost Generation, a group of writers under the influence of one very wise woman. Gertrude Stein was the mentor of many young writers like F. Scott Fitzgerald, Ezra Pound, and James Joyce.


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"Physician-Assisted Suicide." Congressional Digest 77.11 (1998): 257. MAS Ultra - School Edition. Web.
This article examined how the advancement in medical technology has had an impact on patient's decisions related to health. It really focused in on issues such as the legality of physician-assisted suicide. As well as the legality, how physician-assisted suicide is carried out is dependent on Supreme Court decision to prohibit assisted suicide. Certain circumstances in which assisted suicide is considered legal in Oregon. Furthermore this debate over physician assisted suicide tries to balance the respect for life the individual rights to which American's place such a high value on.
Callahan, D. "Organized Obfuscation: Advocacy for Physician-Assisted Suicide." Hastings Center Report 38.5 (2008): 30-32.CINAHL with Full Text. Web.
Callahan's article "Organized Obfuscation: Advocacy for Physician-Assisted Suicide." Discusses organized obfuscation: Obfuscation as defined is an effort to render that which is unclear, evasive, or confusing. It is believed that in recent years many advocates of physician-assisted suicide have organized obfuscation as a political tactic. This article examined key points within Dutch Medicine dealing with the context of Euthanasia and how it differs from physician suicide in states (Oregon).
Churchill, L R. "Physician-Assisted Suicide." Journal of the Royal Society of Medicine 87.Suppl 22 (1994): 44–45. Print.
Churchill takes a close look at how suicide has been viewed in the past as opposed to how it is viewed today. He states that suicide isn't centered on issues of sin, nobility, or freedom but on psychiatric categories. He closely examines reasons why suicide is more than just a psychiatric manner. As well as looking at important arguments for and against physician assisted suicide. He also mentions the Hippocratic Oath which states "I will neither give a deadly drug to anyone if asked, nor will I make a suggestion to this effect." He then draws up another argument based on convictions that suicide among those who are terminally ill and dying are a failure to society, humanity, and health professionals. He brings mention to many opposing viewpoints which help build up my argument.
M.C. MARINI, H. NEUENSCHWANDER and F. STIEFEL (2006). Attitudes toward euthanasia and physician assisted suicide: A survey among medical students, oncology clinicians, and palliative care specialists. Palliative & Supportive Care, 4, pp 251-255.Web
A study was done on palliative health care specialists, health care professional, and first and second year medical students. The purpose for this study was to collect anonymous information containing different theoretical scenarios in concern with physician assisted suicide. Among the results the palliative care specialist showed that a decreasing number supported physician assisted suicide. Professionals of the cancer center were more In favor of direct active euthanasia rather than physician assisted suicide and then palliative care specialist. However they were less in favor of the physician assisted suicide than the first and second year medical students. These studies showed the different variations among the different professionals and what attitudes they have toward physician assisted suicide and euthanasia. Being familiar with the care of severely ill and dying patients is very important when you begin to compile and analyze information. Some of which has been looked over as a result of this survey.
Quill TE, Meier DE, Block SD, Billings JA. The Debate over Physician-Assisted Suicide: Empirical Data and Convergent Views. Annals of Internal Medicine. Print
This article looked into the debate of physician assisted suicide as a whole analyzing data to furthermore explain how this information can clarify this debate. Many people aren't fully educated on the complexities of physician assisted suicide and need to better understand and listen


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Journal of Palliative Medicine is the premier peer-reviewed journal covering medical, psychosocial, policy, and legal issues in end-of-life care and relief of suffering for patients with intractable pain. The Journal presents essential information for professionals in hospice/palliative medicine, focusing on improving quality of life for patients and their families, and the latest developments in drug and non-drug treatments.
Journal coverage includes:
Journal of Palliative Medicine is under the editorial leadership of Editor-in-Chief Charles F. von Gunten, MD, PhD, Vice President, Medical Affairs, Hospice and Palliative Medicine for Ohio Health and other leading investigators.
EAPC members can subscribe to the journal at a reduced rate (see box on the right).
Full details on the Journal, Editorial Board, the latest issues and articles online ahead-of-print, and details on how to publish in the Journal, please visit the Journal website.
EAPC Members are eligible for a substantial discount on the individual online subscription price for access to Journal of Palliative Medicine.
To Subscribe: Active EAPC members, log in for details, a dedicated subscription link, and Group Code; or email: email@example.com and include "EAPC member offer" in the subject line.


text:
Statement for the Record by the
Public Investors Arbitration Bar Association
Hearing before the House Financial Services Committee; Subcommittee on
Investor Protection, Entrepreneurship, and Capital Markets:
Putting Investors First: Reviewing Proposals to Hold Executives Accountable
April 2, 2019
Chairwoman Maloney
Ranking Member Huizenga
U.S. House Committee on Financial Services Subcommittee on Investor Protection, Entrepreneurship, and Capital Markets
2129 Rayburn House Office Building
Washington, DC 20515
Dear Chairwoman Maloney and Ranking Member Huizenga:
The Public Investors Arbitration Bar Association (PIABA)1 appreciates the opportunity to submit this statement for the record in connection with the April 3, 2019 hearing, "Putting Investors First: Reviewing Proposals to Hold Executives Accountable."
PIABA is focusing its statement on the issue of mandatory arbitration clauses contained within contracts between investors and brokerage firms. Since the Supreme Court decided Shearson/American Express v. McMahon2 in 1987, investors have increasingly been required to submit their disputes to arbitration. Restoring investor choice of forum is an important step to further investor protection.
I. The history of investor choice
a. The landscape pre-McMahon
The Federal Arbitration Act ("FAA") provides that arbitration agreements "shall be valid, irrevocable, and enforceable, save upon such grounds as exist at law or in equity for the revocation of any contract."3 The FAA "was designed to allow parties to avoid 'the costliness and delays of litigation,' and to place arbitration agreements 'upon the same footing as other contracts.'"4 From the enactment of the FAA in 1925 until the Supreme Court's decision in Wilko v. Swan5 in 1953, pre-dispute arbitration clauses were given full effect in the securities industry.
However, Wilko effectively changed the face of securities arbitration. In that case, the Supreme Court held that claims brought by investors under the Securities Act of 1933 (the "'33 Act") could not be referred to arbitration through the use of pre-dispute arbitration clauses. In reaching this conclusion, the Court cited several flaws in the arbitration process, which included concern for the ability of arbitrators to decide legal issues,6 limited judicial review of arbitral decisions,7 and the circumvention of the anti- waiver provision in the '33 Act.8 Following Wilko, arbitration of claims brought under the '33 Act was strictly voluntary. During the years after Wilko, courts interpreted the Supreme Court's decision as also applicable to claims brought under the Securities Exchange Act of 1934 (the "'34 Act").9
In 1968, FINRA (then NASD) adopted the Code of Arbitration Procedure. Section 12 of the Code was entitled "Required Submission", and provided that, upon the demand of a customer, a member and associated person was required to submit any dispute, claim, or controversy to arbitration. Today, this rule exists in substantially similar form as FINRA Rule 12200. Although brokerage firms were not permitted to enforce pre- dispute arbitration agreements with respect to federal securities law claims pursuant to Wilko, pursuant to FINRA (then NASD) rules, investors were able to compel brokerage firms to arbitrate any claims. From 1968 through today, in the absence of a pre-dispute arbitration agreement, investors have had the option of choosing either court or arbitration to resolve their claims, and firms have no say in the choice.
In 1979, the U.S. Securities and Exchange Commission (the SEC) issued a release to brokerage firms advising them that, "[r]equiring the signing of an arbitration agreement without adequate disclosure as to its meaning and effect violates standards of fair dealing with customers and constitutes conduct that is inconsistent with just and equitable principles of trade."10 In 1983, the SEC adopted Exchange Act Rule 15c2-2, "Disclosure Regarding Recourse to the Courts Notwithstanding Arbitration Clauses in Broker-Dealer Customer Agreements", "in order to address regulatory concerns arising from the inclusion in standard form customer agreements of predispute arbitration clauses (i.e., agreements requiring customers to submit to arbitration all future disputes.)."11 Thus, two layers of protection existed after Wilko: pre-dispute arbitration clauses would not be enforced by the courts as to federal securities law claims and, if a firm did include a pre-dispute arbitration clause, it had the duty of fully disclosing the clause to the investor prior to the investor signing the agreement.
b. Erosion of investor choice with McMahon
In 1987, the Supreme Court decided Shearson/American Express v. McMahon,12 which revisited the issue of whether pre-dispute arbitration clauses were enforceable under the '34 Act. The Court effectively reversed decades of precedent that prohibited the enforcement of pre-dispute arbitration clauses in claims brought under the '34 Act and cited the increasing prevalence of arbitration in the securities industry in support of its holding.13 The Court also addressed the concerns set out in the Wilko decision and found that "there is no reason to assume at the outset that arbitrators will not follow the law; although judicial scrutiny of arbitration awards is necessarily limited, such review is sufficient to ensure that arbitrators comply with the requirements of the statute," thus reinforcing the legitimacy of an arbitral award.14
However, the McMahon decision was by no means unanimous. It was a 5-4 decision, with Justice Blackmun authoring an important dissenting opinion.15 Specifically, Justice Blackmun objected to the majority's holding on two bases. First, he noted that the majority erred in reading the Wilko decision as being decided solely on the basis of perceived inadequacy in the arbitration process.16 Second, he criticized the majority's blind acceptance that the problems with arbitration cited in Wilko no longer existed.17 With a prescient assertion that foreshadows the current state of affairs, he criticized SEC oversight of the securities arbitration process: "[T]he Court's complacent acceptance of the Commission's oversight is alarming when almost every day brings another example of illegality on Wall Street."18 The validity of Justice Blackmun's concerns is even more apparent today than when McMahon was decided in 1987.
Shortly after McMahon, the Supreme Court officially overruled the Wilko decision in Rodriguez de Quijas v. Shearson/American Express.19 As a result of McMahon and Rodriguez, brokerage firms have the unhindered ability to compel arbitration of investor claims through the inclusion of a simple pre-dispute arbitration clause in all customer agreements. The once voluntary submission to arbitration had become an industry mandate, leaving aggrieved investors with no other choice than to arbitrate their claims.
c. The landscape after McMahon
Shortly after McMahon was decided, the SEC found in a survey that "98% of the margin accounts, 95% of the options accounts and 39% of the cash accounts" were subject to pre-dispute arbitration clauses.20 This means that at the time, over 60% of cash accounts were not subject to pre-dispute arbitration clauses. Therefore, in every one of these accounts, investors were free to choose between court and arbitration if a dispute arose because of the FINRA (then NASD) rules. The survey did indicate a movement toward placing pre-dispute arbitration provisions in cash account agreements. Commission Chairman Ruder testified before Congress:
I expressed vocally and vociferously my opposition to that trend. I believed then, and I believe now, that customer choice is an exceedingly important aspect of this industry and the movement apparently to push these clauses on the public so that they couldn't trade at all without them was in my mind simply terrible.21
The industry responded by assuring the SEC that it had no intentions of imposing arbitration clauses in cash accounts and depriving American investors of any choice.22 In essence, firms accepted the fact that investors could choose the forum in which they wanted to resolve their disputes. Based on these assurances at the time, the SEC did not take any action to prohibit pre-dispute arbitration clauses.
Over the years this situation dramatically changed. Notwithstanding the industry's reassurances that it would not seek to include pre-dispute arbitration clauses in its contracts broadly, today virtually every brokerage firm in America includes a pre- dispute arbitration provision in its new account documentation for every type of account. If investors want to buy a stock or a bond or seek to participate in the capital markets in America, they must give up their Constitutional right to a jury trial by an independent and impartial judiciary and agree to mandatory arbitration.
Investor choice has been eroded in other ways as well. We have seen a consolidation of the American securities markets, which culminated in the 2007 NYSE-NASD merger. Today, the only SRO-sponsored forum is the one sponsored by FINRA. At the time McMahon was decided, there were at least ten different arbitration forums. Most stock exchanges and the Chicago Board of Options Exchange provided arbitration forums. Many arbitration clauses, and the rules of the American Stock Exchange, gave investors the option of avoiding arbitrating in an arbitration forum associated with the securities industry altogether by allowing arbitration before the American Arbitration Association. Now all these choices are effectively gone. Investors with pre-dispute arbitration clauses (virtually all customers) are now forced into FINRA arbitration. There is no competition; there is no alternative. In a relatively short time span, America's investors have seen their 'choices' dwindle to one.
The number and types of Americans who invest have also changed since the pre-McMahon years. The number of households holding stocks has increased more than three-fold since the early 1980s.23 Today, between 57 and 62% of middle-aged households have direct or indirect stock holdings.24 The number and demographics of investors have changed over time as well:
Total Financial Assets: Americans over the age of 50 currently account for 77 percent of financial assets in the United States, according to the Securities Industry and Financial Markets Association (SIFMA).
Retirement Assets: As of Dec. 31, 2017, retirement assets reached $28.2 trillion and accounted for 43.8 percent of all household financial assets in the United States for householders aged 65 and older.
Total Household Net Worth: In 2011, the net worth of households headed by someone aged 65 or older totaled approximately $17.2 trillion.
Median Household Net Worth: By 2013, households headed by someone aged 65 or older had a median net worth of $202,950, including $80,000 in retirement accounts.25
As greater numbers of Americans invest, it is important that they have access to a fair means of resolving any disputes that may arise.
II. Investors should be given the choice of forum
True investor choice returns the investor's ability to choose between court and arbitration to resolve any disputes that arise. There are costs and benefits to both arbitration and court resolution of disputes, and investors should be given the ability to weigh those costs and benefits and chose the forum best fitted to address any concerns.
a. Concerns with mandatory arbitration
i. Arbitration awards are not explained
Mandatory arbitration has many flaws which affect both investors and the industry. For example, arbitration awards do not contain reasoned opinions justifying the outcome. The awards often just state who won the arbitration and what amount was awarded, if any. While FINRA arbitration awards are publicly available, they are of limited use to investors. The opacity in awards may prevent investors from making informed decisions about which firms and brokers to trust with their money because they cannot tell what actually happened. It also allows brokerage firms and brokers to more easily hide details of any wrongdoing from their current clients.
ii. Arbitration has eliminated judicial interpretation of SEC and FINRA rules and regulations
Investors and the industry both need judicial interpretations to apply new factual situations to existing and new rules and regulations. Since mandatory arbitration has become the norm, case law interpreting relevant statues has nearly disappeared, as arbitrators are not required to issue written decisions, nor are arbitration decisions considered binding authority. The case law and resulting clarity needed by the industry and investors has simply been unable to develop. Allowing judges to decide many of these issues with written opinions and an appeals process would provide more clarity to the rights and expectations of the industry and investors.
iii. Investors perceive the FINRA forum to be biased
In 2005, amid concerns about the fairness of the arbitration process, the Securities Industry Conference on Arbitration ("SICA") conducted a study of perceived fairness in the arbitration process.26 It consisted of a survey that was sent to over 30,000 participants with questions assessing perception of the arbitration process. Particular emphasis was placed on: fairness of the SRO arbitration process; competence of arbitrators to resolve investors' disputes with their broker-dealers; fairness of SRO arbitration as compared to their perceptions of fairness in securities litigation in similar disputes; and fairness of the outcome of arbitrations.27 Not surprisingly, the SICA study found that the overall perception of the securities arbitration process was negative.28
Over sixty percent of customers perceived the process as unfair,29 with nearly half perceiving arbitral panels as being biased.30 And, most significantly, three out of every four customers found securities arbitration to be "very unfair" or "somewhat unfair" when compared with the judicial system.31 Moreover, over one-third of customers confronted with a pre-dispute arbitration clause in the brokerage agreement were not aware of its existence.32
Further, the lack of diversity in the FINRA pool of arbitrators further undermines investor confidence in the system. Based on its most recent survey, FINRA's arbitrator pool is 70% male; and 83% Caucasian.33 Moreover, the advanced age of many of FINRA's arbitrators also raises serious concerns about not only the diversity of the pool, but also those arbitrators' ability to effectively and impartially participate in the arbitration proceeding. Thirty eight percent of the pool is aged 70 or older, and 26% is aged 61 to 69.34 Many elderly arbitrators use the income from serving on arbitration panels to supplement their retirement; and therefore, presumably, would like to continue serving on panels. However, arbitrators with a record of making awards to investors are often struck during the arbitration selection process by brokerage firms, the repeat players in the system, who do not want to see investor sympathetic arbitrators on panels. This fear of being kept off of panels may bias, consciously or not, this large percentage of arbitrators against making awards in investors' favor.
b. Benefits of arbitration
Despite its shortcomings, FINRA arbitration should be maintained as an option for investors. Indeed, if investors are allowed to choose between court and arbitration, thereby encouraging FINRA to address the perceived inadequacies with the forum, FINRA arbitration has the potential to be the fair and neutral forum which is necessary to comply with due process and ensure investor protection.
i. Arbitration may be less costly than court
Arbitration has always been touted as an efficient, cost-effective way to resolve disputes. While the hearing fees, fees which would not attach in a court proceeding, can be fairly substantial for larger cases, arbitration allows the parties to avoid the time and expense associated with court discovery procedures. Interrogatories, a time-consuming endeavor in court, are not permitted in FINRA arbitration.35 Absent a compelling reason, depositions are also not permitted.36 An investor should be permitted to weigh the cost of court discovery against the benefits of substantially lower court fees and court supervision, once the dispute arises.
Similarly, motions are strictly limited in arbitration. Pre-hearing motions to dismiss are discouraged, and may be granted only for tightly circumscribed reasons; an improper motion to dismiss subjects the industry defendant to potential sanctions.37 This makes sense, as the investor is not entitled to the same discovery rights and procedural safeguards as they would get in court.
In view of the streamlined nature of arbitration, an investor is able to retain an attorney for smaller cases, and pursue those claims in an efficient manner. In most cases (though not all), the firm has greater financial resources, and is able to base its decision whether or not to arbitrate on the size of its war chest. With two-way choice, industry defendants would be able to refuse arbitration in order to make it uneconomical for investors to pursue smaller claims. In short, the industry can flex its economic muscle to the detriment of its own clients. This would be an appalling result for the small public investor.
ii. Arbitration may be a speedier option
Generally, arbitration leads to a quicker result than court proceedings. According to FINRA's statistics, the average turnaround time for cases filed in its forum has been 14.5 months for the past two years.38 Most courts are unable to match this record. Arbitration is not dependent on a judge having availability in the court calendar. In arbitration, the parties have the ability to set a schedule for their case that meets their needs. Where an elderly investor desperately needs to replace funds lost through broker misconduct, the ability to get a case heard and decided quickly may be of great significance. Additionally, in 2004, FINRA instituted procedures for expediting cases involving senior or seriously ill customers, ensuring that these cases are handled as efficiently as possible.39
iii. FINRA has unique enforcement powers
Article XIII, Section 1(c) of FINRA's Corporate Bylaws provides that a member or associated person may be disciplined for failure to pay an arbitration award or written settlement agreement. Article VI, Section 3 permits summary suspension upon 15 days' written notice of a member or associated person who fails to pay. FINRA limited the defenses a firm or associated person may raise to prevent the suspension: (1) that the firm or person paid the award in full; (2) the customer has agreed to installment payments or has otherwise settled the matter; (3) the firm or person has filed a timely motion to vacate or modify the arbitration award and such motion has not been denied; and (4) the firm or person has filed a petition in bankruptcy and the bankruptcy proceeding is pending, or the bankruptcy court has discharged the award.40
Notwithstanding these powers, many arbitration awards still go unpaid. In 2017, of the FINRA cases where an investor was awarded some recovery, 34% of the awards, a total of $21 million, went unpaid.41
For almost twenty years between the time FINRA first enacted its Code of Arbitration Procedure and the McMahon decision, investors had a choice between court and arbitration. Even following McMahon, until pre-dispute arbitration agreements became pervasive throughout the industry, investors retained choice in terms of forum selection.
Brokerage firms have the resources necessary to resolve disputes in both the judicial and arbitral settings and, thus, are more capable of adjusting their strategy than investors. Therefore, the brokerage firm, rather than the investor, should bear the burden of uncertainty in forum selection. Firms will not be unduly burdened if investors have the ability to choose between court or arbitration once a dispute arises.
Thank you for your attention to this issue. We appreciate the opportunity to provide a statement. Please do not hesitate to contact us if you have any questions or would like any additional information.
Respectfully submitted,
Christine Lazaro
cc: Chairwoman Waters; Ranking Member McHenry
1 PIABA is an international bar association comprised of attorneys who represent investors in securities arbitrations. Since its formation in 1990, PIABA has promoted the interests of the public investor in all securities and commodities arbitration forums, while also advocating for public education regarding investment fraud and industry misconduct. Our members and their clients have a strong interest in rules which govern the conduct of those who provide advice to investors.
2 482 U.S. 220, 107 S. Ct. 2332, 96 L. Ed. 2d 185 (1987)
4 Scherk v. Alberto-Culver Co., 417 U.S. 506, 510-11, 94 S. Ct. 2449, 2453, 41 L. Ed. 2d 270 (1974) (quoting H.R.Rep.No.96, 68th Cong., 1st Sess., 1, 2 (1924)).
5 346 U.S. 427, 74 S. Ct. 182, 98 L. Ed. 168 (1953) overruled by Rodriguez de Quijas v. Shearson/Am. Exp., Inc., 490 U.S. 477, 109 S. Ct. 1917, 104 L. Ed. 2d 526 (1989)
6 See id. at 436 ("As their award may be without explanation of their reasons and without a complete record of their proceedings, the arbitrators' conception of the legal meaning of such statutory requirements as 'burden of proof,' 'reasonable care' or 'material fact' . . . cannot be determined.").
7 See id. at 436-37 ("In unrestricted submission, such as the present margin agreements envisage, the interpretations of the law by the arbitrators in contrast to manifest disregard are not subject, in federal courts, to judicial review for error in interpretation.").
8 See id. at 434-35 (Section 14 of the '33 Act voids any "'stipulation' waiving compliance with any 'provision' of the Securities Act. This arrangement to arbitrate is a 'stipulation,' and we think the right to select the judicial forum is the kind of 'provision' that cannot be waived under [Section 14] of the Securities Act.").
9 See e.g. Mansbach v. Prescott, Ball & Turben, 598 F.2d 1017, 1030 (6th Cir. 1979) ("While Wilko arose under only the Securities Act of 1933, its holding and rationale are equally applicable to cases arising under the Securities Exchange Act of 1934." (citing Merrill Lynch, Pierce, Fenner & Smith, Inc. v. Moore, 590 F.2d 823, 827-29 (10th Cir. 1978); Weissbuch v. Merrill Lynch, Pierce, Fenner & Smith, Inc., 558 F.2d 831, 834-35 (7th Cir. 1977); Ayres v. Merrill Lynch, Pierce, Fenner & Smith, Inc., 538 F.2d 532, 536 (3d Cir.), Cert. den. 429 U.S. 1010, 97 S.Ct. 542, 50 L.Ed.2d 619 (1976); Newman v. Shearson, Hammill & Co., 383 F.Supp. 265, 268 (W.D.Tex.1974); Maheu v. Reynolds & Co., 282 F.Supp. 423, 426 (S.D.N.Y.1967); Stockwell v. Reynolds & Co., 252 F.Supp. 215, 220 n. 2 (S.D.N.Y .1965)).
10 "Notice to Broker-Dealers Concerning Clauses in Customer Agreements which Provide for Arbitration of Future Disputes", 1979 WL 174165 (S.E.C. Release No. 34-15984), p. 4.
11 "Rescission of Rule Governing Use of Predispute Arbitration Clauses in Broker-Dealer Customer Agreements", 1987 WL 847512 (S.E.C. Release No. 34-25034), p. 1.
12 482 U.S. 220, 107 S. Ct. 2332, 96 L. Ed. 2d 185 (1987)
13 See id. at 233 ("Thus, the mistrust of arbitration that formed the basis of the Wilko opinion in 1953 is difficult to square with the assessment of arbitration that has prevailed since that time. This is especially so in light of the intervening changes in the regulatory structure of the securities laws.").
14 See id. at 232.
15 See id. at 242 (Blackmun, J., dissenting).
16 See id. at 249-50.
17 See id.
18 See id. at 265.
19 490 U.S. 477, 109 S. Ct. 1917, 104 L. Ed. 2d 526 (1989)
20 Letter from SEC Chairman David Ruder to New York Stock Exchange, July 8, 1988, in ARBITRATION REFORM: HEARINGS BEFORE THE SUBCOMMITTEE ON TELECOMMUNICATIONS AND FINANCE OF THE COMMITTEE ON ENERGY AND COMMERCE, U.S. HOUSE OF REPRESENTATIVES, 100THCONGRESS, SECOND SESSION, ON MARCH 31, JUNE 9 AND JULY 12, 1988 (U.S. G.P.O., 1989), at p. 510. Similarly, James Buck, Sr. V.P. of the New York Stock Exchange, testified in that hearing: "Most firms do not require arbitration agreements for cash accounts. Only in the case of margin accounts where the customer is borrowing money do you find overwhelming use of these clauses." Id., at p. 533. See also Self-Regulatory Organizations; Order Approving Proposed Rule Changes by the NYSE, NASD, and AMEX Relating to the Arbitration Process and the Use of Pre-dispute Arbitration Clauses, 54 Fed. Reg. 21144, n.51 (May 10, 1989) [hereinafter Self-Regulatory Organizations] (stating that, at the time of McMahon, only 39% of broker-dealers mandated arbitration of customer disputes involving cash accounts).
21 Id., p.512, Testimony of July 12, 1988. Chairman Ruder also testified on June 1, 1988: "I fail to see why one should deny access to the securities market to those people who are unwilling to waive their disputes in advance. I think it's unfair." Id., at p. 524.
22 Id., pp. 474, 514-516.
23 Investment Company Institute & Securities Industry Association, "Equity Ownership in America," (Nov. 2005), p. 1.
24 Federal Reserve Bank of St. Louis, "How Has Stock Ownership Trended in the Past Few Decades?" (Apr. 9, 2018).
25 U.S. SEC Office of the Investor Advocate, "Elder Financial Exploitation; Why it is a concern, what regulators are doing about it, and looking ahead" (June 2018).
26 See Barbara Black & Jill Gross, Perceptions of Fairness of Securities Arbitration: An Empirical Study, Report to the Securities Industry Conference on Arbitration (2008), available at https://digitalcommons.pace.edu/cgi/viewcontent.cgi?article=1477&context=lawfaculty.
27 See id. at 1.
28 See id. at 3.
29 See id. at 45 (finding that approximately 63% of investors answered "Disagree/Strongly Disagree" when responding to the statement, "As a whole, I feel the arbitration process was fair").
30 See id. at 50 (finding that 47% of responses disagreed with the statement that "arbitration is conducted by the arbitrators in a way that is fair to all parties" and 44% disagreed with the statement that arbitrators conduct the arbitration without bias).
31 See id. at 47 (finding that 75.55% of customers found arbitration to be "very unfair" or "somewhat unfair" when compared to civil litigation).
32 See id. at 19 (stating that 37% of customers responded that they were unaware that their customer agreement contained a pre-dispute arbitration clause).
33 See FINRA, "Our Commitment to Achieving Arbitrator and Mediator Diversity at FINRA", available athttp://www.finra.org/arbitration-and-mediation/diversity-and-finra-arbitrator-recruitment.
34 Id.
35 A party may propound requests for information, but such requests are limited in scope. FINRA Customer Code section 12507(a)(1) provides, in pertinent part: "Requests for information are generally limited to identification of individuals, entities, and time periods related to the dispute; such requests should be reasonable in number and not require narrative answers or fact finding. Standard interrogatories are generally not permitted in arbitration."
36 FINRA Code of Arbitration Procedure for Customer Disputes, Rule 12510.
37 FINRA Code of Arbitration Procedure for Customer Disputes, Rule 12504.
38 See FINRA Dispute Resolution Statistics, available at http://www.finra.org/arbitration-and-mediation/dispute-resolution-statistics.
39 See FINRA, "Expedited Procedures for Seniors and Seriously Ill", available at http://www.finra.org/arbitration-and-mediation/expedited-proceedings-seniors-seriously-ill.
40 See FINRA Regulatory Notice 10-31 "Change to Expedited Proceedings for Failure to Comply with an Arbitration Award or Related Settlement", available at http://www.finra.org/sites/default/files/NoticeDocument/p121647.pdf.
41 See FINRA, "Statistics on Unpaid Customer Awards in FINRA Arbitration", available at https://www.finra.org/arbitration-and-mediation/statistics-unpaid-customer-awards-finra-arbitration.


text: Annie spends a day in the quiet room after interfering with Twitch's treatment plan. After Twitch's code blue on the children's unit, Dr. Shaundry speaks with him about his special precaution status. A mysterious new patient is admitted to the children's unit directly before a power outage creates chaos on all units.


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MARTA CUCCINIELLO on THE BEST FASHION BLOG
THE BEST FASHION BLOG dedicates a post to the "Cross the Classic" Collection of MARTA CUCCINIELLO.
The 2015/16 Fall/Winter Collection is inspired by the artists Chad Wys, Osman, Georges Mousee and Vibeke Fonnesberg Schmidt's and becomes the occasion to redefine the Classic Beauty's concept in the volumes, shapes and asymmetries.
Click here to read the article


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Video Photo Chopper
Gathering intelligence can be fun when you've got this remote controlled Video Photo Chopper to swoop in and record video and still pictures for you. The Video Photo Chopper has a built-in gyroscope that provides stable control to take those high in the sky shots and video. Price: $99.99
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text:
author = {Acharya, Swetha. and Prabhu, Prashant. and Patil, Vidya. and Acharya, Anirudh. and Desai, Anil. and Nikhil, Krithi.},
title = {{Tumor necrosis factor-like weak inducer of apoptosis expression in healthy oral mucosa, oral dysplasia and oral squamous cell carcinoma}},
journal ={Journal of Oral and Maxillofacial Pathology},
volume ={23},
number ={3},
pages = {369-377},
doi = {10.4103/jomfp.JOMFP_151_19},
year = {2019},
abstract ={
Objective: Tumor necrosis factor-like weak inducer of apoptosis (TWEAK) has been implicated in the pathogenesis of cancer, as it participates in the progression of internal malignancies. However, its role in the biology of squamous cell carcinoma (SCC) is uncertain. Studies regarding TWEAK in SCC have shown inconsistent results. We aimed to study the expression of TWEAK in healthy oral mucosa, oral dysplastic lesions and in oral SCC (OSCC).
Methods: Immunohistochemistry for TWEAK was performed on one hundred oral mucosal tissues, healthy control (HC) (n = 20), oral dysplasia (OD) (n = 20) and OSCC (n = 60). Staining intensity, extent of staining (ES) and immunoreactive Score (IRS) were assessed for each sample. Kruskal–Wallis ANOVA, Mann–Whitney U, Chi-square and Spearman's rank correlation coefficient were applied.
Results: TWEAK was expressed in 55% of HC, 90% of OD and in all cases of OSCC, with variable intensities. A significant difference in the ES and IRS of TWEAK was noted among the three groups. ES and IRS were highest in OSCC group. ES of TWEAK was significantly higher at invasive tumor front (ITF) than in the whole tumor, with a significant positive correlation. TWEAK expression showed a significant association with invasive front grading, pattern of invasion and surgical margins of OSCC.
Conclusions: TWEAK may contribute to the progression of OSCC. It might also sustain altered differentiation, invasion and migration of tumor cells at ITF.
URL ={https://www.jomfp.in/article.asp?issn=0973-029X;year=2019;volume=23;issue=3;spage=369;epage=377;aulast=Acharya;t=6},
eprint ={https://www.jomfp.in/article.asp?issn=0973-029X;year=2019;volume=23;issue=3;spage=369;epage=377;aulast=Acharya;t=6}


text:
Frequently Asked Questions
Can I start in the Certificate Program and then transfer to the Masters or PhD Program?
Yes, however you can only transfer 9 credit hours of coursework taken prior to entering a graduate program. The Certificate is considered a Second Bachelors. You cannot actually "transfer" to the graduate program but must apply with all other applicants by the annual posted deadlines in December. Be aware of the additional application requirements for a graduate program that differ from the Certificate. You must take the GRE, for example, and have a written Statement of Purpose to outline what your research objectives are.
Can I transfer from the Masters Program to the PhD?
Applicants are considered as qualified to study in the program they apply to. However, you can apply for the PhD internally with their GRE scores in December. In the spring (May) you would need to sit for the Oral Comprehensive exam in addition to the Written Comprehensive exam.
If I already have a Masters degree, do I still need to submit a GRE test result if I am applying to your Masters or PhD program?
Most graduate programs require you to take the GRE so you don't need to re-take it. Just submit your scores from the last time you took the exam, even if it was more than 5 years ago. If you were not required to take the GRE for the first degree, you will need to take it to apply to this program. Some programs may emphasize excellence in different areas of the GRE than we do, so we would like to see your scores regardless of whether you already have earned a Masters degree. However, if you have a PhD we do not require GRE scores at all.
I do not currently have a graduate degree but took the GRE 8 years ago. ETS does not keep them more than 5 years so I cannot have them send you my scores.
You would need to retake the GRE.
Can I transfer course credits from another university?
This only applies to the Masters program as there is not a set requirement of credit hours for a PhD.
However, as quoted from the Graduate School's Policies:
Graduate credit may be transferred from other institutions. Credits transferred from another institution may be used for only one degree. Up to six semester hours of transfer credit may be applied toward fulfillment of graduate degree requirements if they are of high letter grade (B or higher; 'credit only' grades are unacceptable), are recommended by the student's supervisory committee, and were taken within four years of semester of admission to the University of Utah for master's students and within seven years of semester of admission to the University of Utah for doctoral students.
Can I take one or two classes in the program without being accepted into the graduate program?
Yes, you can apply as a non-matriculated student and enroll in courses in the Department of Biomedical Informatics. You can take up to 9 credit hours of coursework prior to being accepted to a graduate program and can then apply those courses to your Masters or PhD program. Here is where you apply as a non-matriculated student (Non-Degree Seeking)


text: Dear friends, this long-expected day has come! Fifth rating season starts today! New season holds many interesting updates: 1. Top 100 ladder players, along with winners of the tournament would receive special badges in internet shell, which would remain for the next seasons. In case player was in top 100 during different ladder seasons, only the best results badge would be displayed. 2. The rating system would be ELO. The game options are 5000 with 15 pt 2x2. Previous ladder would be reset. Starting of the new season, would mean that last one would have a glorious ending! We congratulate top100 players, who've got unfading glory and respect in our community. We'd wish to highlight the three ladder leaders, since achieving a victory on such a long distance is an admirable feat: 1 place - [KR.S]fair_snow 2 place - [GFF]Rifman 3 place - [GFF]Petru_BwM The winners of the first official team-based tournament "Season Clash 4" would also receive special badges: 1 place - 10fps ([-RA-]SAnek_PCT и Oldman) 2 place - Golden Guys ([GFF]Petru_BwM и GoldenBoy) 3 place - Воины кебаба ([-UNION-]testopal и [KR.S]Dandy) Good luck in a new season and may the strongest win! We wish us all a good day!


text:
"I am passionate about Kennedy Krieger Institute and happy to support them in any way I can. The work done at Kennedy Krieger Institute is amazing and supports so many different families from around the world. Once you witness a child working hard to get better at Kennedy Krieger Institute, you will definitely be inspired." – Cynthia Cavanaugh (pictured with her daughter, volunteering at the Institute).
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Why I'm Walking the Runway…Megan Silcott Scheduled to Slay at the Fall Fête
"To help spread awareness about spinal cord injuries. It shows that even though I have experienced something significant in my life, I am not limited and can accomplish anything I put my mind to." – Megan Silcott.
At 16 years old Megan was diagnosed with Acute Disseminated Encephalomyelitis, an autoimmune illness that deteriorated the myelin sheath on her entire spinal cord and part of the left side of her brain.
Fall Fête at Green Spring Station to Benefit Kennedy Kreiger Institute
Mark your calendars for The Fall Fête, Sept. 15 at Green Spring Station.
Lutherville's Wee Chic to Host 'Storytime with the Softies' Adoption Event and Benefit
Next month, kids will get a chance to show their soft side and meet some furry friends at Wee Chic's "Storytime with the Softies" adoption and benefit event.
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75% off fashion, accessories and home – Parker, Chantelle, DREW, Joseph Ribkoff, Cordani, Halston, Nicole Miller and so much more!
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Essentials For A Weekend On The Eastern Shore
There's no better month than June for an overnight on the Eastern Shore. The weather is perfect, and the beaches are open for business. When it comes to an overnight trip, packing light is the way to go.
Spring Trends Alert! From Embroidery to Boho Chic
From runway to ready wear, here is our spring style forecast. Check out the latest spring fashion trends from Green Spring Station. Details here: bit.ly/GSS-Spring.
St. Patrick's Day Festivities at (O')Tark's Grill
This St. Patrick's Day, you won't need to find the end of the rainbow to get your Irish on. You can honor the Emerald Isle right in your own backyard at O'Tark's Grill.


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Remember what you're doing, why you're doing it, and who you're doing it for.
Valerie C. Robinson is a public health enthusiast, serial entrepreneur and creative. She earned a B.S. degree in Biology (minor in Chemistry) from the University of Maryland Eastern Shore, and went on to complete an MBA in Healthcare Management. Valerie, a longtime DMV native, by way of North Carolina, has worked in the public health field for over 15 years. Check out her scientific publications here and here.
Valerie also has a refreshing entrepreneurial spirit as the Owner of Photography by Valerie, and Founder and CEO of women's lifestyle brands, Mocha Health and Unapologetically Us, LLC.
Valerie is a wife and mother/personal driver of 3 very busy children (and a miniature poodle). She loves to read, write, bird-watch, mentor local youth, thrift-shop, and travel.


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