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Exam Code: HP2-H78
Last Updated: Jun 5, 2019
Exam Code: HP2-H78
Last Updated: Jun 5, 2019
Exam Code: HP2-H78
Last Updated: Jun 5, 2019
Related Certification(s): HP Sales Certified Certification
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Really deserves 6 stars. Best Wargame I own. Fascinating subject, incredible gameplay which happens to teach a history lesson re: the choices Hannibal faced. I have never felt more like an actual Commander than in this wargame. As mentioned, the AI feels like a human opponent.
Please, an encore! This system looks perfect for simulating the life of Alexander as well.
Great game. The AI is amazing.

subset: commoncrawl


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Interactive guide
These pages were developed by on Mac OS X using Spartan 04-16, Materials Studio, PyMOL, CrystalMaker and visualised using JSmol/Jmol. To view our list of developers please see our Team Page.
Top of page
ChemTube3D Gallery of Rotatable Structures by Nick Greeves and OUP is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License. © 2014-2018 OUP and Nick Greeves


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The latest college basketball player snared in the increasingly nebulous web of NCAA "impermissible benefits" is heralded San Diego State freshman Winston Shepard.
The 6-foot-8 forward has been provisionally suspended three games and sat out Tuesday night's home opener against San Diego Christian while SDSU waits for the NCAA to rule on its appeal.
A brief release by SDSU's athletic department said: "The penalty is a result of Shepard inadvertently violating an NCAA rule. Upon becoming aware of the situation, the San Diego State coaching staff immediately reported the situation to the compliance staff, which self-reported the issue to the NCAA."
Aztecs coach Steve Fisher declined to discuss the suspension's particulars, other than to say: "This is ongoing. We've known about it for a long time."
The NCAA declined comment. Shepard, who watched the game from the bench wearing a warm-up suit, was not made available to the media.
The NCAA has ramped up its vigilance of what it deems "extra benefits" that jeopardize a player's "amateur" status. Already this season, men's basketball players from UCLA, South Carolina, Texas, Memphis, New Mexico and two from No. 1-ranked Indiana have been suspended or held out of games – most notably UCLA's Shabazz Muhammad, the nation's top incoming freshman.
SDSU did not outline the details of the alleged transgression, but several people close to Shepard told UT San Diego that it involves a car he purchased in September with a loan co-signed by a family he had befriended while attending Findlay Prep in Las Vegas. No money was provided, the sources said, but Shepard, 19, needed someone to co-sign the loan because no one else in his immediate family qualified.
Shepard, according to people not authorized to speak publicly about the case, was unaware he may have violated the NCAA impermissible benefits rule and returned the car after "three or four days."
The NCAA calculated benefits of approximately $400 and, because it is a relatively small amount, meted out the standard suspension totaling 10 percent of the regular season – or three of 30 games. The NCAA generally has athletes repay the money to a charity of their choice.
Violations with four-figure benefits, as in the case with Indiana freshmen Hanner Mosquera-Perea and Peter Jurkin, can fetch nine-game suspensions, or 30 percent of the season. UCLA is still awaiting a word from the NCAA on Muhammad, and some media outlets are reporting it could be in the same ballpark (taking him out of the Dec. 1 game against SDSU).
Shepard's suspension was supposed to start Sunday with the "Battle on the Midway" against No. 8 Syracuse, but SDSU officials successfully argued that, because it was such a unique event and the violation was minor in nature, Shepard should be allowed to start any suspension this week. The NCAA agreed, and Shepard played 21 minutes for the No. 25 Aztecs in 62-49 loss on the deck of an aircraft carrier.
"I was appreciative when they said they'll let him play in the Midway game," Fisher said. "I think sometimes if you take cases independently, you treat kids more fairly."
SDSU has appealed the three-game penalty (but not the fine) and isn't expected to get an answer until later this week at the earliest. If other cases across the country are any indication, though, it is unlikely the NCAA will overturn the suspension.
That would take Shepard out of Saturday's game at Missouri State and a Nov. 21 home date against Arkansas-Pine Bluff. In the meantime, he is allowed to practice and participate in other team functions except travel.
The NCAA rule is intended to prevent athletes from receiving money or favors not available to all students, mostly from athletic boosters. But the rule reaches back to the relationships a player makes in high school, targeting people outside the immediate family – even if a player views them as "family." The NCAA considers it a university's responsibility to educate athletes about the rules and self-report any past violations.
In the Indiana case, Mosquera-Perea and Jurkin were deemed to have received $9,702 and $6,003, respectively, in travel and other benefits from their AAU coach. The problem was that the coach had made modest contributions to IU's "Varsity Club" in the 1980s and early '90s, technically classifying him as a booster, although an NCAA official said his link to the school goes "beyond" that.
At Memphis, junior college transfer Geron Johnson was suspended for three games, the school said, for "extra benefits received … from a family friend who assisted the family with his educational expenses prior to his enrollment." At South Carolina, freshman Lithuanian center Laimonas Chatkevicius is serving a six-game suspension for undisclosed benefits from his U.S. host family during high school in Connecticut.
Or there's the case of New Mexico point guard Jamal Fenton. He's suspended three games for renting a ballroom at a discounted rate for his 21st birthday party at a local Marriott hotel, which is a UNM athletics sponsor. Documents accessed by the Albuquerque Journal under the open records act indicated the ballroom normally goes for $750 a night and Fenton got it for $500.
"Not knowing I already got the discount, (the hotel sales representative) told me the price and it sounded like a good price for me," Fenton wrote in an email to university officials. "If I would have known the real price, I still would have got it."


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Find out more about how our vision can help you reach new heights.
We provide strategic and tactical insights to address the complex business questions that confront pharmaceutical, biotech, and medical device companies worldwide.
We have a depth and breadth of functional and industry-specific expertise which, combined with our geographical reach, enables us to address a wide variety of challenges.
Ours is a unique blend of concept and theory with pragmatic, bottom-line driven, and data-tested analytical methodologies. By making a significant investment in understanding our clients' needs, we are uniquely positioned to provide insightful and innovative solutions.


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Welcome to Part 4 of a 12 month series about finding and using less obvious genealogy records to find ancestors. Almshouse records (or poorhouse records) are often overlooked in our genealogy research.
Almshouse records have a two-fold benefit, one obvious, the other not so obvious. I'm sure it's pretty obvious to all of us that records kept for an Almshouse or Poorhouse will include a list of residents. So if your ancestor was impoverished you may find out that he or she was in an Almshouse, and you may find more details that were unknown to you.
Also we as genealogists need to realize that in the early 1800's port cities in the USA bore the burden of immigration. By the time they arrived, so many immigrants were tired, hungry and poor they ended up in the City Almshouse. So be sure to check Almshouse records for the port city where your ancestor arrived.
Here is where the less obvious benefit comes into play. In my own research into Almshouse records for New York I stumbled on some fascinating information. Within the lists of residents in the almshouse I was researching were the names of the ships each resident sailed on from their homeland to North America.
The 1819-1840 Almshouse records contained for each resident the Date of Admission; Age; Place of Birth; Vessel Name; and Where From. A quick glance at the list revealed many of the residents were entire families. Many left from Canadian ports which may indicate they first arrived in Canadian ports rather than New York. Canadian arrival ports were much cheaper than American ones.
The 1855-1858 Almshouse records I consulted were more detailed. They contained the Individual's name, age, where they were from Name of Ship, Date of sailing, Ports of departure and arrival, Captain's Name, Owner's Name, Date of Bond, Sureties, Date Discharged, Death Date and Remarks.
Olive Tree Genealogy has published one side of each ledger page (there are 2 sides per person) for these New York Almshouse records online and you can consult them by using the links given above.
I do not know if other port cities in other states contain the same amount of detail in their Almshouse records but it is worth a look if you are hunting for an immigrant ancestor.
October 21, 2010
12 Months of Finding Ancestors: Almshouse Records More than a List of the Poor (Part 4)
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Durable Storage
Nearly every application has data at its core. Of course, because Windows Azure is a flexible platform, developers can choose to run a data technology of their choice, but Windows Azure provides several built-in options for storing and managing data.
SQL Azure provides fully managed relational databases. For most developers, using SQL Azure is as easy as configuring the right database connection string. Like all the storage options built in to Windows Azure, SQL Azure stores three replicas of your data.
Windows Azure blobs and tables are the NoSQL storage services built into the platform. Blob storage allows developers to store and retrieve file-like objects. Blobs are typically used for media such as images or videos and for large data files. Table storage is for non-relational structured data. Tables are used for storing and simple querying of any kind of application data, such as product catalogs and user preferences. Blobs and tables are accessed with simple REST APIs (and libraries exist for many languages). Each storage account can store up to one hundred terabytes of blob and table data.
Scaling the data in Windows Azure takes different forms depending on the storage technology used. For SQL Azure, more databases can easily be added, and applications should share their data across multiple databases for maximal performance. Blob and table storage are automatically scaled out horizontally in response to demand.
Going Global
Thanks to the scale-out programming model and durable storage, any Windows Azure application can be scaled by adding more virtual machines. This is easy to do with the management portal or API.
To go beyond a single data center, Windows Azure lets us deploy our application to multiple data centers and use a feature called Traffic Manager to intelligently route users to the closest data center. Windows Azure has six data centers worldwide (two in North America, two in Europe, and two in Asia), and the Traffic Manager makes it easy to make effective use of all six data centers.
For static content, Windows Azure offers a world-class Content Delivery Network (CDN), with twenty-four CDN nodes worldwide (and growing). The CDN can cache content from your application or from a blob storage account; and turning it on takes only a few clicks.
The combination of Traffic Manager for your application and CDN for your content makes Windows Azure an easy to get good performance globally.
Beyond the Basics
To provide developers with the full set of tools and services they need, Windows Azure has a list of available services. In addition to running your application and storing your data, Windows Azure provides caching, identity, messaging, and more.
Each of these services is optional and available separately. For example, some Windows Azure applications use the Access Control Service for identity. At the same time, some developers building applications outside of Windows Azure use the Access Control Service, too. This is possible because it's an independent service accessed through a web API.
More Information
For more information, visit WindowsAzure.com. I also recommend the Windows Azure Platform Training Course, which includes several hands-on labs that walk you through the various features of the platform. A limited free trial of Windows Azure is available to help you get started at http://windowsazure.com/free-trial.
Steve Marx is a Technical Product Manager on the Windows Azure team at Microsoft. He blogs at http://blog.smarx.com and can be found on Twitter at @smarx.
For first looks at using other cloud platforms, see these introductions to:
- Amazon Web Services: http://drdobbs.com/web-development/231601598
- Google App Engine: http://drdobbs.com/web-development/229301121


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Despite veto threat, House passes cybersecurity bill
(CBS News) The House of Representatives passed on Thursday a controversial cybersecurity bill that would allow private companies to exchange confidential information with the federal government.
The Cyber Intelligence Sharing and Protection Act (CISPA), which is designed to defend U.S. networks against cyber attack, passed the House 248-162.
The White House threatened to veto the legislation, saying the bill fails to protect privacy and gives a pass to companies that do not secure networks critical to the nation's security.
House Speaker John Boehner (R-OH) dismissed the Administration's privacy concerns on Thursday.
"Listen, the White House believes the government ought to control the Internet, the government ought to set standards and the government ought to take care of everything that's needed for cybersecurity" Boehner said. "They're in a camp all by themselves because whether it's private industry, whether it's other parts of the government, understand that we can't have the government in charge of our Internet."
Under CISPA, private companies could voluntarily share cyber threat information with other companies and the federal government. In turn, the government could then share classified information on cyber threats with private companies. The participation of private companies would be voluntary.
Civil liberty groups have raised concerns. Some contend that the bill gives employers the ability to spy on employees and then share that information with the government in the name of national security.
Industry giants Google, AT&T, and Facebook have expressed support for the bill, which stand to benefit from the increased government oversight.
The Senate has its own cyber security bill sponsored by Senators Joe Lieberman (I-CT) and Susan Collins (R-ME) that would give the administration the power to determine security standards for companies with networks deemed critical to the nation's cyber security. They are expected to take up the legislation next month.


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U.S. Equal Employment
Opportunity Commission
NEWARK, N.J. -- New Community Corporation, a Newark non-profit community development organization, will pay $25,000 to a former employee to settle a religious discrimination and retaliation lawsuit brought by the U.S. Equal Employment Opportunity Commission (EEOC), the agency announced today.
The EEOC's lawsuit, filed under Title VII of the Civil Rights Act of 1964, in U.S. District Court for the District of New Jersey in Newark, (Civil Action No. 06 CV 04646), charged that New Community Corporation refused to grant Anthony Kerr, a task force officer employed part-time by New Community Corporation in its security department, a reasonable accommodation when he requested that he be excused from a requirement that employees donate money to a Catholic school that is part of a Catholic parish because the school's religious mission was different than his religious beliefs as a Muslim.
According to the lawsuit, after Kerr refused to give a donation and complained that the demand for a donation conflicted with his religious beliefs, New Community Corporation removed him from its work schedule. New Community Corporation briefly restored Kerr to the schedule after receiving a letter from his attorney about possible legal action. However, the EEOC said, the corporation retaliated against him again after he pursued his complaints with the EEOC by firing him and then filing an improper complaint about him with his full-time employer alleging that he had engaged in misconduct at New Community Corporation.
In addition to the $25,000 for back pay and compensatory damages to be paid to Kerr, the consent decree settling the suit requires New Community Corporation to implement policies and procedures prohibiting religious discrimination and providing for religious accommodations, post a notice about EEOC and the lawsuit, provide conduct anti-discrimination training, and provide reports and permit EEOC to monitor compliance.
"Employers have no right to impose religious duties on employees who may not share their beliefs," said Spencer Lewis, the EEOC's district director of the New York District Office, which has overall responsibility for cases arising in Northern New Jersey. "Punishing employees who resist such practices only make a bad situation intolerable."
EEOC Trial Attorney Louis Graziano added, "The EEOC will vigorously enforce the law to end such discriminatory practices. An employer, even one that engages in charitable work, cannot subject an employee to religious discrimination or retaliation."
New Community Corporation provides housing, medical, employment and other services to lower income residents in Newark, and operates for-profit businesses as part of its economic development programs. It is one of the largest community development organizations in the United States, with approximately 2,300 employees and assets of more than $500,000,000.
The EEOC is the federal government agency responsible for enforcing federal anti-discrimination laws in the workplace. Further information about EEOC is available on the agency's web site at http://www.eeoc.gov.


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Going out business sale. Prices reduced. First come first served. No free shipping.
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Prices, product specifications, and product availability are subject to change without notice.
© Copyright 1998-2017, 2018 BP Hobbies, LLC. All rights reserved.


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Fibromyalgia For Dummies, 2nd Edition
Read an ExcerptDownload Acrobat
Table of Contents
Author Information
This plain-English guide is fully updated with the latest fibromyalgia treatment options, and evaluations of new medications that have shown great promise in reducing pain. You'll discover how to spot an array of symptoms and their possible causes, work with your physician to develop a treatment plan, and manage your pain at home and in the office. You'll learn how to:
- Identify your FMS trigger points
- Cope with chronic pain and sleep problems
- Find medications that work for you
- Locate a physician who can really help you
- Make healing lifestyle changes
- Use hands-on therapies to alleviate pain
- Find effective over-the-counter and prescription medications
- Choose among alternative therapies and treatments
- Reduce the emotional distress caused by FMS
- Help a child with FMS
Featuring moving and inspiring stories from fellow FMS sufferers who share their stories and offer invaluable tips on working your way back to wellness, Fibromyalgia for Dummies, Second Edition offers serious and sensitive guidance to help you overcome FMS and start being yourself again.


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215 Series Overview
The Incon Lighting 215 Series indoor sconce is an elegant decorative wall fixture. With a great selection of wattage, bulb types, finishes, lenses, & variety of additional options the 215 Series is very versatile for home or for commercial applications like hotel hallways, restaurants, & more. This product is also American Compliant.
The 215 has a white enamel finished steel housing and ABF molded trim that can be finished in one of many paint styles. The lens is available in white, faux alabaster, frosted prismatic and white marble acrylic.
Depending on your wattage the 215 Series can be equipped with a 120V 60Hz Magnetic NPF, 120V 60Hz Electronic NPF, 120/277V 50/60Hz Electronic HPF ballast, or LED 120V 50/60Hz Electronic HPF driver. This fixture is wall mountable only and is certified for damp locations. Lamps are included unless ordered with the no lamp (NL) option.
The available color temperatures for compact fluorescent (CFL) bulbs range from warm (2700K & 3000K), medium (3500K) and cool (4100K) white to full spectrum (5000K) kelvin temperature. This fixture can also be equipped with:
- 277 Volt Ballast
- Philips Advance Ballast
- Remote Battery Backup (CFL Only)
- Dimming Electronic Ballast
- High Power Factor
- No Lamp
- Philips Lamp
- Sylvania Ballast
- Sylvania Lamp
- ULT Universal Ballast
Ask a Question or Find a Rep
Please fill out the contact form below.
Comments or questions are welcome.
Specification Sheet
NOTE FOR PDF DOWNLOADS : Some browsers may open the PDF in a new tab instead of downloading it. If this happens to you, right click on PC (or command on Mac ) and save link as… (or save target… something along those lines, varies from browser to browser).


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Opportunities for Involvement
Channel 3 News Team
The Channel 3 News Team reports, writes, edits, and produces on-campus news programs, giving students opportunities in TV production on both sides of the camera.
Between the Lines
Between the Lines, a program featuring Minnesota government officials discussing political issues, is broadcast statewide on local cable systems. Students produce the program from a remote studio in St. Paul. Watch Between the Lines.
College Hockey Weekend
College Hockey Weekend is the Emmy® nominated live broadcast of NCAA Division I hockey. Students produce live sportcasts for Charter Communication and Minnesota State University, Mankato using Bethany's state-of-the-art high definition trailer. Watch the Hockey Broadcast graphics reel.
Speech Team
The Speech Team provides competition in debate and a variety of individual speaking events with colleges and universities across the nation. Scholarships are available.
The Scroll
Bethany's newspaper is published 12 times during the school year. The Scroll provides experience in the role of reporter/writer, photographer, copy editor, page designer, advertising sales representative, and managing editor. Read the lastest issue.
Bethany's yearbook offers opportunities for photography, copy editing, and page design.
The Inkwell
Bethany's literary magazine is published once each semester and includes student writing, photography, and art. The Inkwell sponsors several writing contests for authors and poets.


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Oregon Garden Car Show
Silverton, Oregon - August 2013
We attended the car show at the Oregon Gardens in Silverton this past Sunday and David was able to capture some pictures, in between the rain showers. There were 57 cars in attendance and they all looked spectacular at the Gardens. Even with the rain, we all had a great time and listened to the sounds of DJ Bruce with Runaway Productions. Bruce and Robyn are always entertaining ...click here for more pictures!
It's easy to share this slideshow/article on Facebook, Twitter, LinkedIn and more, using the buttons below !
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car shows, cruise-ins, swap meets and classic vehicles for sale.
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Xbox Fitness Trailer: They Should Call It P90Xbox
Microsoft has revealed a new service aimed at keeping you in great shape while offering up workouts with some of the world's most famous trainers. Let's get off our comfy couches and check out Xbox Fitness.
The Xbox Fitness service hooks you up with a huge library of fitness videos featuring Jillian Michaels, Tracy Anderson, P90X, Insanity, 10 Minute Solution, Mossa and a whole lot more.
The service boasts instant feedback thanks to the new Kinect camera, which acts as a heart-rate monitor, maps your muscles and even tracks your energy. You'll get feedback depending on your performance and Xbox Fitness will help keep you motivated.
The Xbox Fitness Pass will allow you access to all of this fitness content for free with your Xbox Live Gold membership through December 2014 on the Xbox One.
Watch the video above and see if it inspires you to take a couple of laps around the couch and start working out with your Xbox One when it launches on Nov. 22.


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On Call Principles & Protocols 4.3.059 download by Mobile Systems, Inc.
Portable and extremely practical, On Call Principles and Protocols, by Drs. Marshall and Ruedy, is the bestselling handbook you can trust to guide you quickly and confidently through virtually any on-call situation. This new edition takes you step by step through the most common on-call problems and approaches, giving you up-to-date information and clear protocols on what to do and how to do it quickly, from phone calls to "elevator thoughts" to patients* bedsides. You*ll gain speed, skill, and knowledge with every call - from diagnosing a difficult or life-threatening situation to prescribing the right medication.
* Effectively manage calls in the hospital with coverage of topics such as Approach to Diagnosis and Management of On-Call Problems; Documentation; Assessment and Management of Volume Status; and AIDS, HBV, HCV, Influenza, and the House Officer.
* Access key information on the most common on-call problems and approaches with consistent, templated coverage of what to do from the initial phone call, ''Elevator Thoughts,'' how to immediately identify major threats to life, and what to do at the bedside.
* Learn the questions you should ask to assess the urgency of each situation, and master the ideal approach to diagnose and manage patients, communicate with colleagues and families, and avoid common mistakes for every call.
* Understand the major threats to life you must consider before arriving at bedside.
* Find information quickly with an easy-to-read format, color highlighting of medications and other critical information, and a unique layout designed for fast reference.
A search tool
Featuring various search options to help you find the words you need more easily, including:
* A quick search of words while you type
* A 'fuzzy filter' for when you are not sure of the correct spelling of a word
* A 'keyword' search for finding key words within phrasal verbs
* A wild card search facility which can replace a letter or a group of letters
A learning tool
The dictionary app includes a number of features which help you to expand your vocabulary further:
* A 'Favourites' feature allows you to create your own categories and lists of words
* Your last visited words are all saved in your 'History', so that you can quickly look back at recently checked words
* Discover a new word every day with the 'Daily' feature
* Ability to have dictionary Word of the Day as a widget on the device home screen
* See words in context with example sentences
* Online and offline modes supported, the offline mode allows you to download the whole dictionary and work independently from data connections


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Applying is easy and you can get started online.
Apply now
Find classes and events that enrich your faith and strengthen your congregation.
Find opportunities
Your support ensures that future church leaders can pursue their call to ministry today.
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Posted by Contextual Learning on Sunday, September 01, 2013 12:20 AM
April Winebrenner-Palo is the new Program Administrative Assistant and Teaching Congregations Coordinator in the Contextual Learning Department. She will support all facets of the Contextual Learning curriculum, assist in the leadership of the Teaching Congregations program and serve as the primary contact person for Contextual Learning's congregational partners.
This is what April has to say about herself:
My name is April Winebrenner-Palo. My academic background lies in nineteenth-century American religious/political history, focusing on challenges of capitalism, patriarchy, and nationalism; I completed my BA in Religion at Hamline University in 2011 and I completed my Masters of Theological Studies at Harvard Divinity School in 2013. Professionally, my skills lie in campus life and interfaith community work. I've had the pleasure of working with Hamline University's Wesley Center for Spirituality, Service, and Social Justice, the Saint Paul Area Council of Churches' Interfaith Youth Leadership Coalition, Minnesota Council of Churches' Refugee Services, Minnesota Interfaith Power & Light, the Interfaith Youth Core, and The Pluralism Project at Harvard University. As a social justice advocate, I've also worked on causes like climate change, refugee resettlement, labor rights, poverty, and race. Here at Contextual Learning, I'm excited to bring to the table my familiarity with student life, my commitment to interfaith dialogue and action, and my passion for socially just engagement with the world. I'm also an organizational and time-management whiz, so I'm looking forward to helping Contextual Learning develop stronger, more sustainable administrative systems for the future. While my religious roots lie in the Scandinavian Minnesotan Lutheran community (my uncle is an ELCA pastor in Brookings, SD and my grandfather was an ELCA pastor in Maple Plain, MN for many years), my own theological and cultural explorations have led to me down different paths. Today, I identify as a humanist, and my spiritual and religious journey is ongoing. In my personal life, I am an anarchist, socialist, feminist, and vegetarian. I'm also a lifelong sci-fi and fantasy fan. I share an antique old apartment with my husband (Chris), cat (Caspian), fish (Gail), and scindapsus (Nymeria), with a great view of the Minneapolis skyline!
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Deutsche Bank took part in EBA's Transparency Exercise
Deutsche Bank (XETRA: DBKGn.DE / NYSE: DB) notes the announcements made today by the European Banking Authority (EBA), the German Federal Financial Supervisory Authority (BaFin) and Deutsche Bundesbank regarding the information of the EU-wide Transparency Exercise 2013 and fulfilment of the EBA Board of Supervisors decision.
As one of 64 European banks, Deutsche Bank delivered the requested set of data per 31 December 2012 and 30 June 2013 to Bundesbank/BaFin. The data set can be found on the EBA website (http://www.eba.europa.eu/) as well as under the following link: https://www.db.com/media.
Background 2013 EU-wide Transparency Exercise
In May 2013 the EBA adjusted the timeline of the next EU-wide stress test so to conduct the exercise in 2014 once the asset quality reviews are completed. However, to ensure transparency and comparability over the years, the EBA's Board of Supervisors (BoS) decided to provide, in the second half of 2013, appropriate disclosure on the actual exposures of the EU banking sector. In its October meeting the BoS agreed on the form and scope of the transparency exercise to be conducted in November/December 2013 to assure a sufficient and appropriate level of information for market participants. The sample of the exercise includes 64 banks and for each of them the following set of information was collected for disclosure:
I. Capital
II. Credit Risk
III. Securitisation Summary
IV. Market Risk
V. Exposures to sovereigns
VI. Risk-weighted Assets (RWA)
For further information, please contact:
Deutsche Bank AG
Press & Media Relations
Christian Streckert
Tel: +49 69-910 38079
E-Mail: firstname.lastname@example.com
Investor Relations
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The Blackhawks won the first shift of Game 2 of their Western Conference semifinal series, and that was pretty much it.
The Red Wings won almost everything else --- the tempo, the style, the puck, and most importantly, the game.
This is what adversity looks like for the Hawks for the first time this postseason.
The Wings said they would skate better than they did in Game 1. Hawks coach Joel Quenneville said it, too. If only Hawks players had listened.
It wasn't a slaughter, but it reflected a massive failure in the Hawks' puck-possession game and skating. In my country, we call that a hockey identity. The Wings stole the identity that the Hawks had stolen from them first. Fact is, Games 1 and 2 of this series were the same game with different winners.
With home ice, more stars and better depth, the Hawks should've controlled play. Instead, they couldn't keep up. Embarrassing.
The Hawks' best players weren't their best players. They barely were there.
It was hard to find Marian Hossa, even as big as he is.
I noticed Jonathan Toews because NBC highlighted the abuse he took.
Patrick Kane scored on a play started by Patrick Sharp, and that was about all I remember of their play, but it must've been bad because Kane scored the Hawks' only goal and he still came out of Game 2 a minus-2.
It wasn't just them. The Hawks' top four defensemen got burned on all four Detroit goals. One moment that seemed to sum up the defense's struggles came near the end of the second period when the Hawks had a chance to get an icing call and an offensive zone faceoff. But Niklas Hjalmarsson was beaten to the puck, and the Hawks lost a scoring chance and a half-minute while down a goal.
Remember when the Blackhawks used to be faster, quicker, smarter, tougher and better than the Red Wings? Yeah, let's toast last Wednesday.
Corey Crawford was the one Hawk who showed up with any consistency. Crawford stopped a short-handed breakaway, lasers from the slot, and went post to post. He was beaten on a deflection, a breakaway and two other odd-man rushes. Not much chance. Not much help from his teammates.
The ugly truth: The Hawks needed a goalie win in Game 2 because everybody else stunk. There has to be a better plan.
Wait a minute, I think the Blackhawks just gave up another odd-man rush.
So now, the inconsistent Hawks face some adversity.
The loss in Minnesota still left the Hawks with a series lead. Now, though, the home-ice advantage throughout the playoffs they fought for so brilliantly during the regular season is gone in this series. They could've gone through the postseason just winning in the United Center and things would've been fine. Now they have to win a game in Detroit.
It's not that they can't. They have won games at Joe Louis Arena --- nine of the last 11, as a matter of fact. They've done it with smart, skilled, fast play, none of which we saw in Game 2.
The Hawks still have more speed and better depth than the Wings, and the Wings know it. That's why they roughed up and impeded the Hawks' game. It was standard playoff hockey by the lesser team, but the Hawks complained about it afterward.
The answer is not to thug it up. Toews' comment that the Hawks have to start giving it back to the Wings is thinking about the wrong thing. The Hawks' game involves the willingness to make plays while absorbing abuse. At some point, the power play opportunities will go their way.
Failing that, loose pucks always seem to decide Hawks-Wings games because both teams have skilled players who know what to do with them. The Hawks have more of them.
The Hawks are facing adversity. How they respond in Detroit this week will frame their championship readiness. They can squawk and whine about the Wings' physical play or they can, I don't know, skate and score.


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SCARBOROUGH — Stalled contract negotiations between the School Department and the union representing custodians and food service workers are headed to state mediation next month.
Crystal Goodrich, president of the Scarborough Education Association, said the union sought mediation through the Maine Labor Relations Board. She said veteran mediator John Alfano has been assigned to hear contract proposals from the union and the School Department Negotiations Committee, led by School Board member Jackie Perry.
The contract for more than two dozen custodians and about 20 food service workers expired last June 30. Goodrich said not all the custodians are full-time employees, and food service staffers work only during the school year.
Goodrich said the impasse stems from a counter-proposal received earlier this month from the School Department, reflecting elements of bids from three companies that expressed interest in doing outsourced custodial work for the department.
While declining to comment on the ongoing negotiations, School Superintendent George Entwistle III said the department is trying to reduce custodial expenses.
The department and School Board last year began looking at cost-cutting methods used in other districts, Entwistle said, and determined there is a possibility of saving $200,000 to $300,000 annually on custodial services.
Entwistle emphasized there has been no effort to outsource food service operations, adding he would like to increase that spending because of the value to the community and students.
Goodrich said the union is willing to work with the department to find savings, but said the last counter-proposal was too counter-productive.
"One of the things we said to the School Board is they are putting the issues of the budget on the backs of these employees," Goodrich said. "Our employees have said, 'I cannot work for that low of a wage and I cannot work without benefits.'"
Custodians and food service workers continue to work under the terms of a one-year agreement that expired last June, with the School Department paying 80 percent of health insurance and 90 percent of dental insurance premiums.
Under the expired contract, a first-year food service worker can begin at $10.45 per hour, a cook or baker at $12.15 and food manager at $13.05. Entry-level custodian pay is $13.55 per hour and tops out at $16.55 for workers with at least 25 years of experience.
Entwistle said his proposed fiscal year 2014 budget does not have any placeholder figures that assume outsourcing will occur.
"The budget was not built with any anticipatory savings," he said.
Mediation is expected to be a protracted process. Goodrich said it could be a year before any resolution is found, and Entwistle said the School Department cannot move unilaterally to accept outsourced bids.
"Just because the contract has expired, does not mean we are free to do as we wish," he said.
David Harry can be reached at 781-3661 ext. 110 or [email protected]. Follow him on Twitter: @DavidHarry8.
Boston wins on Hernandez single in ninth
Monday's major league roundup: Phillies outslug Mets
Portland Sea Dogs
Sea Dogs' six-run fifth inning tops Fisher Cats
Monday's Sports Digest: Michigan wins opener of College World Series finals
Nation & World
Divided Supreme Court strikes down gun-crime provision


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Banks Violette: Vinyl Aesthetics Of Art On FilmSOURCE NOWNESS
New York installation artist Banks Violette reveals the D.I.Y.-ethos shaping his works in this rare interview at his motorcycle- and bowling alley-dominated studio in filmmaker Matt Black's latest short.
Referencing 60s minimalist sculptors Richard Serra and Robert Smithson, Violette structures sheet metal, vinyl, flight cases and florescent neon bulb chandeliers into empty, stage-like scenes exploring social entropy. "He's tapping into icons of youth culture, mixing them and creating stories that are a little bit more substantial," says Black. "He's this bridge between two worlds." Taking from his roots in the punk scene, Violette's installations often feature collaborations with musicians such as Stephen O'Malley of Seattle drone band Sunn O))) filling the spaces he creates with walls of noise. Mixing super-high-gloss production with dark themes, Violette's works twist iconic pop and subcultural imagery to expose the nostalgic echoes underscoring them, such as his ethereal looped projection of a galloping white horse invoking Tristar's Pegasus from 80s VHS movie credits. "These icons are everywhere around me," says Black of the American images featured in the graphite drawings that make up Violette's Nine Patriotic Hymns for Children exhibition, currently running at Galerie Thaddaeus Ropac in Paris. "Our generation was part of the events that made the pop culture of today. It's a nostalgia for something I lived."


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The Distinguished Lecture Series in Sports Medicine at Hope College is now available to a worldwide audience on the Internet.
The DLSSM, now in it's tenth year, brings the nation's most outstanding professionals in a variety of disciplines to Hope College to lecture on hot topics in sports medicine. The DLSSM provides opportunities for health care professionals and students with an interest in physically active patients to learn from the best and brightest representatives of the various disciplines that comprise the broad field of sports medicine.
Kinesiology Professor Margaret (Meg) Frens has arranged to make a number of lectures from recent years available on the web through the Athletic Trainers Continuing Education Network (ATCEN). Certified athletic trainers can earn required continuing education units by purchasing and viewing the videos.
The entire ATCEN catalog, including Hope's DLSSM offerings, can be found by clicking on "Continuing Education" at https://hope.edu/academic/kinesiology/program.htm


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Twice a year the Craft and Hobby Association (CHA) holds a trade show. I first attended CHA in the winter of 2005 when it was held in Atlanta. I attended as a buyer, as an employee of a local store. I only attended one day, and the experience was exhausting. I remember seeing lots of new product, picking up catalogs, giving feedback to my store's owner, and doing a few make & takes.
Each time CHA comes around, professionals in the industry have to decide whether they want to attend or not. This is a big decision, because it may be very expensive to attend (depending on needs for expenses like travel, child care, etc). Not attending, though, may cost a business customers or opportunities. It can feel difficult to accurately gauge how valuable attending is for your business.
While considering whether to attend CHA, you're probably thinking about immediate, practical things like:
- Do I have the time?
- Do I have the financial resources to travel and attend the show?
- Do I have the financial resources to travel and rent a booth at the show (if you are a manufacturer or supplier)?
- Can other people cover my responsibilities while I am away?
Why should a professional attend a trade show?
- Networking. Conferences and trade shows are an excellent way to network. I do a lot of networking online, but it still can't replace in-person networking. Attending CHA is a chance to do some in-person networking with people you are already networking with online, or even to network with completely new people.
- Reinvigorating yourself. I try to attend my full-time profession's annual conference each year. Each time I go I feel reinvigorated towards my profession. If I get nothing else out of attending, I get reinvigorated mentally, and this is worth it to me.
- Staying on top of trends. It is much easier to stay on top of trends thanks to the Internet, but we are often rather selective as to what we see online. We follow the same blogs, listen to to the same podcasts, and so on. Attending the show increases the likelihood that you will stumble upon something really cutting edge that you might otherwise miss.
- Bringing back new ideas to your customers & staff ( or readers, or whoever your stakeholders are). You have a lot of people looking at you for new ideas. You don't need to attend CHA to get new ideas, but it certainly is an efficient way to get them.
Do you attend CHA? What kind of business do you run (e.g., manufacturer, designer, store owner)? Do you think attending CHA is worthwhile? What suggestions do you have for others to make attending more affordable?


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Spring in Kyoto is all about sakura and spring vegetables. We are living in the rural area of southern Kyoto, the advantage of living in this area is that we get to taste all fresh local fruits and vegetables in all seasons. For free, sometimes. Bamboo shoot season is just about to over, we received quite a few from hb's friends last few weeks. This is one of the latest bamboo shoot dish I prepared and photographed the last bowl. I like this soup very much with lots of pepper, ingredients used and consistency are similar to sour-spicy soup (酸辣汤).
Fresh bamboo shoot is abundant in the country sides but precious in the cities, same as in Malaysia. I was lucky to live in a village in Malaysia my dad used to "hunt" for fresh bamboo shoot in the farm during Chinese new year period. Preparing fresh bamboo shoot sounds hard but it is actually easier than it seems to be. My family method is to boil it with rice water (water from washing the rice), and Japanese method is boiling it with rice bran (kome nuka/米ぬか). It can be boiled unpeeled, partially peeled or peeled. I tried both partially peeled and whole peeled method, prefer the latter as all my pots are small.
This is how I prepare bamboo shoots:
- Make a slit with a sharp knife, cut from bottom side as it is softer and easier to cut. Then, use the knife to force open the outer skin, it will be peeled off easily. Or, you can peel the outer skin layer by layer if you wish.
- Cut off the tip, peel off the remaining skin with knife.
- Put 2 tbsp nuka in a teabag or a muslin pocket, put in the pot together with peeled bamboo shoots. Fill in just enough water to float the bamboo shoot.
- Turn the heat on, bring to a boil then simmer with pot lid ajar for an hour. Turn the heat off, set aside and let the whole pot to cool down completely.
- Rinse and cut into into size preferred.
- It can be kept in the refrigerator for about a week, submerge it in water and remember to change the water daily.
Meatballs-Bamboo Shoot Soup /肉丸竹笋羹
- 300 g minced chicken / pork
- 1 tbsp sake or cooking wine
- 1 tbsp katakuriko
- Salt
- Ground white pepper
- Garlic powder
- 2-3 tbsp cold water
- 2 tbsp chopped spring onion
- 300 g bamboo shoot (after boiled), sliced
- 1 small carrot, sliced
- 2 litres water
- 1 tsp chicken soup powder
- 1 no. large egg, lightly beaten
- 2 tbsp katakuriko, dissolve in some water
- 1 tsp garlic oil
- Salt to taste
- Chopped spring onion for garnish
- To prepare meatball, mix together all ingredients for meatball then mix with chopsticks, in same direction, until the mixture is sticky and hard to mix. Set aside.
- Bring water to a boil, then turn the heat to lowest. To make meatball, wet one hand with cold water then grab some meat mixture. Make a small "O" shape with thumb and pointer finger and squeeze the fish paste out through the "O" shape. It will form a small ball eventually, scrap it off with a spoon and drop it into the pot of water.
- Turn the heat up a little, cook until all meatballs floating on the surface.
- Add in bamboo shoot and carrot, bring to a boil. Add in chicken powder and salt to taste.
- Add in katakuriko solution, then add in egg in stream while swirling the soup slowly with ladle.
- Lastly, add in garlic oil and stir to mix. Transfer to serving bowls, garnish with spring onion and serve warm.
Below are some of the bamboo shoot dishes I cooked this spring. Takenoko gohan (bamboo shoot rice), takenoko tsukemono (bamboo shoot pickle), shiitake-bamboo shoot stew (Chinese style), and chicken-bamboo shoot-zucchini cream stew.


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5 Night Eastern Caribbean Holiday (Miami Roundtrip)
4209 Photos
More About Explorer of the Seas
4 yrs agoRefurbished
3114Total Passengers
2.63Crew to Passenger Ratio
14Number of Decks
1557Total Cabins
25Cabin Categories
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Explorer of the Seas has 1557 cabins and 25 cabin categories. See what each category has to offer and read cabin reviews from the community.
Avg. Size: 152 sq. ft.
Avg. Cost: $107 per night
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Ben and Jerry's
Vermont's Finest Ice Cream is now available in port or at sea! Let one of our friendly staff scoop you a cup or cone of scrumptious Ben and Jerry's ice cream, or indulge in a sundae, shake or smoothie. Everyone loves ice cream between meals - but don't worry, we won't tell if you substitute a waffle cone for breakfast!
19th Hole
Tell him there's no reason to miss the big game while on your cruise. Enjoy a beer and watch your favorite team at the 19th Hole Sports Bar at Sea.
Casino Royale
Our glittering casino features slot machines; extensive table games including Blackjack, roulette, craps, and Caribbean Stud Poker; a bar and lounge area; a sports book; a poker room; and a player's club.
Art and Photo Gallery
Original art is displayed in the onboard art gallery as well as throughout the ship. To purchase something for your own collection, visit an onboard art auction.


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32 comments:
Look at Ainsleigh's ruby red slippers! So precious.ReplyDelete
Lovely! So lovely!ReplyDelete
oh my gosh. These angel babies. Seriously Case. I love you so much! Thanks for everything friend!ReplyDelete
Absolutely beautiful, thanks for sharing these moments :)ReplyDelete
Adorable! Fun, lazy days a lot like ours xxReplyDelete
So dang adorable. I am curious what in the sky has Aiden so mesmerized?ReplyDelete
- AnonymousMay 2, 2012 at 7:41 PM
Lovely photos Cassie, :)ReplyDelete
EEEP! Look at that beautiful sono pic!!!!!!!!!!!!!!!ReplyDelete
that profile pic of miss Apple-dying! So sweet!ReplyDelete
so adorable! Seriously- your family is so beautiful!ReplyDelete
Love these beautiful and happy picturesReplyDelete
- AnonymousMay 2, 2012 at 9:04 PM
Love Ainsleigh's little red shoes and cute headband. Your babies are precious!ReplyDelete
These are precious! :)ReplyDelete
Oh my gosh! Where's that twist headband your daughter is wearing from? I've been looking for one for a looong time for my girl :)ReplyDelete
the babies look like little grown ups in their hair do-dads. looks like you are having the perfect summer so far. love your dinette set, and that cute pregnancy shirt you are wearing in the bathtub picture. such sweet moments, friend. xoxoReplyDelete
Love all of the pictures! It always looks like you live such a great life - LOVE IT! :)ReplyDelete
her headband is so adorable! as is your baby bump.ReplyDelete
Everything here is so so perfect. I love the way that clothing seems to be optional at your house. Our little Harper loves to run around in nothing but a pull-up and I love it because these little toddler bodies are too cute to cover up all the time!ReplyDelete
There is SO much love in your home. It makes my heart melt!ReplyDelete
Gorgeous photos Casey! Just precious, especially love the one of Aiden given Ainsleigh a hug, and you are looking fab..xxxMariaReplyDelete
Fun pictures! Thanks for sharing!ReplyDelete
Your kids are so cute! I wonder if this one will be a blondie too?! Too cute!ReplyDelete
- AnonymousMay 3, 2012 at 10:26 AM
life looks wonderfully busy, LOVED!ReplyDelete
I just recently found your blog and am kind of obsessed (but not is a creepy way!) I love your style and your photography is beautiful! Adorable kids and can't wait to watch yoor little belly grow with your Apple :) Have a good day!ReplyDelete
so stinkin cute! the pic of chris playing his guitar for ainsleigh just melts my heart. so sweet :)ReplyDelete
i love the way you did this post. you have the most beautiful family!ReplyDelete
It's so cute seeing pics of your little girl because she looks like she's in the same stages as my little girl right now. I can't wait for my son to be born so she can have fun with a sibling like your children!ReplyDelete
- Sarah
aaaaand now I need a chocolate chip cookie, a mexican moo moo, and a lesson from you on baby bandana headbands!ReplyDelete
love all of the pictures!ReplyDelete
where do you make the collages in?
I used to use pik nik, but now it's gone WAH!
your kids are BEAUTIFUL!
Love your pictures, you really capture the little beautiful moments in life(:ReplyDelete


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Since compensatory picks were instituted in 1994, the Baltimore Ravens have received a leauge-high 41. No matter how many good players walk in free agency, this is where general manager Ozzie Newsome is willing to gamble
OWINGS MILLS, Md. — At this time of year, there are two things that Ozzie Newsome can never get enough of: Cornerbacks, and draft picks.
The latter isn't just a wish. It's an organizational philosophy of the Baltimore Ravens, requiring a conscious choice to exercise restraint during the annual free agency gold rush. Since the NFL instituted compensatory picks in 1994 to pay teams back for losses in free agency, the Ravens have been awarded 41—the most in the league. The team, by the way, didn't exist until 1996.
"Not to go into a whole lot of detail," says Newsome, the Ravens GM, "because I don't care [to have] 31 other clubs understand how we go about getting compensatory picks."
The team has a proprietary formula—a "special sauce," assistant GM Eric DeCosta calls it—that factors in potential compensatory picks to the free agency cost-benefit analysis. The length of a draft pick's contract, his salary compared to a veteran, are among the variables that count. Consider that DeCosta says the Ravens "base our offseason on acquiring as many draft picks as we can." He didn't say they base their draft on acquiring as many picks as they can, he said they base their offseason on doing so.
In this year's draft, the Ravens will pick four extra times as a result of net losses in 2013 free agency: a third-rounder (No. 99), two fourth-rounders (Nos. 134, 138) and a fifth-rounder (No. 175). The league has its own complex formula for awarding these picks—salary, playing time and postseason honors are factors, and not every free agent lost or gained counts—but each team basically receives one compensatory pick for each net loss in free agency, up to a maximum of four.
You don't have to know the specifics of the Ravens' formula to realize they came out ahead in this calculation. Three of their four compensatory picks this year were awarded for players the Ravens didn't have an intention of re-signing last spring, at the least not at the prices they fetched elsewhere: Dannell Ellerbe, Paul Kruger and Ed Reed. The fourth was for Cary Williams, and while the Ravens would have liked to keep him—Newsome can never have too many cornerbacks—they were able to move forward with a pair of above-average starters at the position, Lardarius Webb and Jimmy Smith.
"We take some stress," GM Ozzie Newsome says of free agency. "We lose a lot of good players, but we maintain the patience."
Knowing these compensatory picks were coming allowed the Ravens, in turn, to be active in the trade market. Compensatory picks can't be traded, but they gave Newsome a cushion to offer standard 2014 draft picks in exchange for key roster additions: Fourth and fifth-round picks for starting left tackle Eugene Monroe last fall, and a sixth-rounder for probable starting center Jeremy Zuttah in March.
"We take some stress—a lot of stress—during free agency," Newsome says. "There are a lot of good players that sign with other teams, and we lose a lot of good players, but we maintain the patience. And we'll try to sort through other areas to get players."
This offseason, on the rebound from their first postseason whiff in six years, the Ravens again stuck to the blueprint. They re-signed some of their own core players (Monroe, LB Daryl Smith, TE Dennis Pitta and WR Jacoby Jones) but also let several walk (DE Arthur Jones, RT Michael Oher and CB Corey Graham). They added receiver Steve Smith and tight end Owen Daniels, but since both players had been cut by their previous teams, they don't count in the league's compensatory picks formula. Nor do players signed after June 1, which helped the Ravens last year, when they filled a void at inside linebacker by signing Daryl Smith on June 5.
The team explored other areas of need in free agency, such as running back, where depth was lacking even before the assault charge against Ray Rice that could result in his being disciplined by the league. Newsome said the Ravens were "in on some backs," but haven't been able to get one yet, which means the price wasn't right. They can address this and other thin spots on their roster—tackle, safety and cornerback—with their eight picks next week, including No. 17 overall. Since the four comp picks aren't tradeable, they likely won't move up in the first round, but Newsome said he's already fielded some calls from teams looking to trade up into Baltimore's slot.
The premium the Ravens place on compensatory draft picks doesn't mean they always hit on them, in the way they did with Tony Pashos or Le'Ron McClain, comp picks in the 2000s who became full-time starters. The range in which compensatory picks are awarded, the third through seventh rounds, is a crapshoot. Of the eight compensatory picks the Ravens have made since 2011, six are still on the team and two are currently in line for key roles next season: Rick Wagner (fifth round, 2013) at right tackle, and Chykie Brown (fifth round, 2011) at nickel cornerback.
The idea behind amassing picks, and especially compensatory picks, is to improve the odds. The Ravens didn't necessarily have the same philosophy in the late 1990s, DeCosta says, but it has developed over time and been influenced by studying teams around the league.
"We look at the draft as, in some respects, a luck-driven process. The more picks you have, the more chances you have to get a good player," DeCosta says. "When we look at teams that draft well, it's not necessarily that they're drafting better than anybody else, it seems to be that they have more picks. There's definitely a correlation between the amount of picks and drafting good players."
The Packers, also known for building through the draft, have had the second-most compensatory picks since 1994, tied with Dallas at 33. Jets general manager John Idzik, since his hiring in 2013, seems to be instilling a similar philosophy in his organization. He also earned the maximum four compensatory picks for the 2014 draft, giving his team 12 total picks to work with—the fruits of his deliberate hand in free agency. The compensatory draft pick system, Idzik says, "is always in your mind."
Next week, the Ravens will work the odds as they try to stud their roster with quality young players. And here's betting that at least one pick will be a cornerback.


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Oklahoma Sooner Football Articles and Notes
SI's preseason top 10 -- Sooners No. 4, Cowboys No. 7: Stewart Mandel ranks his preseason top 10. As followed.. 1, Florida; 2, Texas; 3, Southern Cal; 4, Oklahoma; 5, Alabama; 6, Ole Miss; 7, Oklahoma State; 8, Utah; 9, LSU; 10, Virginia Tech. (More at SI.com)
Sam Bradford stays in school -- does that really make him cool?: The Oregonian
Comparing Stoops to the legends: Tulsa World
Players who stayed gave OU faithful a winter gift: Tulsa World
A lesson you'll never forget, as taught by Prof. Stoops: Tulsa World
Three Sooners will play in Shrine game: Tulsa World
Pages of Interest
OU Football 2016 Schedule
OU Television Listings
Popular Posts
OU Baseball and Softball Broadcast Individual games are slated to be on the air in several different formats during the season. Schedules...
Photo Credit: SoonerSports.com NORMAN, Okla. -- Nineteen years ago, Javier Flores was a wide-eyed, talented freshman out of Broken Arrow...
NORMAN, Okla. -- University of Oklahoma women's basketball head coach Sherri Coale has been appointed to the Kay Yow Cancer Fund Board...
For your late night viewing pleasure... 2014 Sugar Bowl. The victory is still SWEEET!!!!
The University of Oklahoma Board of Regents rewarded softball coach Patty Gasso for the Sooners' national championship with a hefty, 4...


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Between Homes A Place To Stay AwhileGurgling sound and rhythm of the water produced by the waterfall and water fountain as if it never fails to entertain the residents of the house because of the natural rhythm lulled. Because of this, many people want a house Garden with Small Waterfall. But sometimes waterfalls, cliffs shaped primarily requires a fairly wide area. For those of you who only have a small area and small, do not be discouraged. There is an artificial waterfall-style minimalism, rock reliefs.
Entry Garden with Small WaterfallEntry Garden with Small Waterfall
Artificial waterfall can be placed in the front garden or in the house, or it could be placed without the company of ornamental plants. If you want to put it in park, place it on the wall or the side of an empty park to remove the impression of quiet on that side. Small Waterfall design is usually equipped with a small pond in front of him. You can add ornamental fish or aquatic plants that look more natural. Water plants should be grown in pots and planted directly in the bottom of the pool. This is to keep the pool water does not become turbid. Sprinkle also small pebbles in the pot, to prevent soil soluble by water.
Luxury Small Waterfall DesignLuxury Small Waterfall Design
For water circulation, A Garden with Small Waterfalls usually made to rotate using electric-powered water pump. The pump can be placed in the pool or under construction hidden waterfall. However, in order to look more beautiful, of course, if the pump must be hidden in the construction. But, if it is difficult to do, the pump can also be hidden among water plants. In order for the water fall looks more natural, some artificial waterfall sellers find interesting ideas that could be replicated. One of them is the use of glass in the edge of each step or to make some holes in the top of the pipe.Read more »


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Open house pick of the week: Waialae Nui Ridge
East Honolulu has some of the most desirable ridges on which to live: Hawaii Loa, Waialae Iki, and Waialae Nui. Of these, Waialae Nui is the most dated, but it's probably the most convenient, due to its proximity to metro Honolulu.
Since the homes on Waialae Nui tend to be older, it's rare to find a newer place here. This listing is one of those rare finds. (Click here for details.) It was built in 1972, but the current owner is a contractor, so he went through the whole house in 2010 and completely redid it—including truckloads of concrete to strengthen the foundation.
In August, he listed it for sale, and it went into escrow after its first brokers' open. The buyers went through the inspection and found about $40,000 worth of repairs they wanted to do, so they backed out. The owner went back to the drawing board and did all the additional repairs, so it's now in mint condition. It's now back on the market, and open this Sunday.
The 3,798-square-foot residence has two levels: The top floor has three bedrooms and 2.5 bathrooms, plus potential maid's/nanny quarters. The bottom floor has one bedroom and a full bathroom with a nice kitchen and a separate entrance. Both kitchens have granite islands.
The house is nice, but the real selling point is the view, since this is high on the ridge. The home has big picture windows, and two huge lanais—more like gigantic decks—to give you sweeping views of the valley, Portlock, neighbor islands, Koko head, and directly out to the ocean, from practically anywhere in the house.
This home will be open on Sunday from 2 to 5 p.m. Happy house hunting!
Money talk: $1,888,888 fee simple
Contact: Victoria Yu, Century 21 Kailua Beach Realty, 808-551-8077, email@example.com


text: Irwin County began as a large territory ceded by the Creek Indians in 1818 but later divided into 10 counties: Worth, Tift, Ben Hill, Colquitt, Cook, Berrien, Lowndes, Brooks and Thomas counties plus parts of Turner, Wilcox, Lanier, Echols, Coffee and Atkinson counties. It bears the name of Governor Jared Irwin who helped expose the infamous Yazoo land fraud, a scheme that put state money and property directly into the hands of unethical politicians and their elite friends. Ocilla is the present county seat, although earlier that distinction had belonged to Irwinville, the site where Union Troops captured Confederate President Jefferson Davis.


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The question I have been receiving most often of late is, "How is the fitness club industry doing around the world?" My answer is it is mixed at best. Having been in Europe, Asia, South America, the United States and Canada in the past few months, I've been able to see firsthand how the markets have been responding to the pressures of the economic downturn, so I thought I'd pass along a few highlights from what I have seen.
In the United States and Canada, we are seeing pretty steady guest traffic led by heavy price cuts in most markets. However due to these drops in price, we're also seeing cutbacks in services and personnel and a reduction in sales staffing and marketing efforts. Member traffic is up, and most good clubs/companies are still hitting their ancillary lines (personal training, retail, etc.). But many clubs have taken the approach that these areas will not be achievable and have made cuts with long-term personnel, which will, in my opinion, hurt them long term.
Most surveys show that fitness is still important to consumers, who note that they will not drop their fitness investments because they are valued as a priority for them. The real question for U.S. operators is how low can they go and still maintain profit margins? As we all know and see now, the compression in pricing has in effect turned our "offering" into a commodity. By this, I mean that price has become the choice over quality of service and offering. I believe the average non-urban fitness price is around $25 per month on EFT (as opposed to urban markets like New York, Washington, DC, San Francisco, etc.). This is led by the major chains (LA Fitness, Bally, 24 Hour Fitness, Gold's, etc., at $19 to $29 per month on average) and the quickly growing low-price offerings (Planet Fitness, Snap Fitness, Anytime Fitness, Powerhouse, Fitness 19 and countless others at $10 to $19 per month on average). With low or no joining fees all the rage, consumers are benefiting, and thus the increase in guest traffic.
The question is, can we as an industry survive at these low rates long term? How will it affect attrition and retention? Will existing members continue to opt out of their current memberships and "downgrade" to these lower price offerings? Is price now more important than convenience for consumers?
Time will tell, but my hunch is that it is going to be very hard for operators to move those prices back up quickly should they need to do so in the future. Therefore, these cost cuts now in place may need to be permanent for the foreseeable future.
Canada has been solid from what I have seen and heard. Member and guest traffic remains steady as most groups are reporting solid growth and performance. The Canadian economy has not been hit as hard as the U.S. has been, and the competitive landscape there has not caused large price drops. This has helped the Canadian operators continue to perform well in the first quarter. Expansion for 2009 and beyond has slowed just like it has in the United States, but, overall, that will help, as limited new entries should allow everyone to focus on building member bases and developing staff.
The hardest hit markets have been the Asian markets. Fitness is still early in its development in Asia, so consumers have not yet made it a part of their lifestyle. That means that attrition has been at an all-time high for almost all of the Asian operators, and with guest traffic low, you have a recipe for disaster. As Asian consumers cut costs, they've put fitness on their list of non-essential items to be cut. Club groups are working hard and staying aggressive, but markets like Hong Kong, Taiwan and mainland China have been hit hard. New club growth has slowed considerably with almost all groups on hold for the time being. Club groups have been aggressively trying to renegotiate rents and have cut costs in a fashion similar to what we have seen elsewhere. The real questions are, when will these markets turn around, and can operators sustain during this downturn?
Singapore, the Philippians and Malaysia have been bright spots to date because their countries have solid financial structures and mature fitness markets where consumers consider fitness to be important.
India has seen the entry of several major club groups of late (Fitness First, True, Celebrity), but their timing was a bit off as the market has slowed there as well. Although it is still early, growth has shut down for the time being in India. Like mainland China, India is mainly a pre-paid market with no monthly EFT dues programs in place.
Although fitness member penetration is still developing in South America and only one non-franchise chain crosses borders on this continent, club groups are mature and seem to be performing well overall. Fitness is viewed as important to consumers in most South America markets, with many of each country's platforms being more than 10 years old. Member bases are growing, and pricing has been stable. Ancillary revenue also is growing and performing well to date. Most club groups are still building in the smaller 15,000- to 25,000-square-foot range. This footprint size has allowed them to weather the storm to date. EFT for dues has been growing in some South American countries in the past few years, which has made the business predictable, but many club groups still collect cash up front or bill manually for monthly dues.
Depending on where you travel, Europe seems to be facing struggles similar to those in the United States. Again, workout traffic is up in most countries I visited, guest traffic is steady, and aggressive pricing and marketing efforts seem to be in place. The United Kingdom and Germany seem especially strong given all that has transpired. The large groups there have done a nice job of cutting costs and improving sales efforts. Penetration in the United Kingdom and Germany are approaching U.S. levels now.
Many of the clubs in Europe have been built within the past decade and are high quality, which has helped sustain member usage and guest traffic. Spain has been struggling, as has Russia and some of the Eastern Bloc countries where the financial markets have been hardest hit. Russia, for example, has raised its small business bank loan interest rates from 12 percent to 18 percent in recent months. Although the three large players there (Planet Fitness, World Class and Orange Group) have grown substantially in the past few years, I think they will slow their new product openings substantially in 2009.
Overall, I have been impressed with the work done within our industry to date to weather the storm. Last month at the International Health, Racquet & Sportsclub Association convention and trade show, I had a chance to meet with a number of industry leaders worldwide, and the general mood was good. January was solid for most, and February was a bit off track, but March seemed to be good to date.
Fitness people are a resilient group, and having been through several of these slow periods over the past three decades, I just have to say that we will again perform well in the months ahead.
Mark Mastrov, founder of 24 Hour Fitness, is now an investor in various business opportunities. You can reach him at email@example.com.


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I've always loved that bit by Abbott and Costello. If you've never seen it (you must be very young!) check it out at the bottom of this post.
BJ sent me this. It seems to be traveling the email circuit. If anyone knows who wrote it, please let me know so I can credit them. I hope you enjoy it as much as I did.
You have to be old enough to remember Abbott and Costello, and too old to REALLY understand computers to fully appreciate this. For anyone who sometimes gets frustrated by their computer, please read on...
If Bud Abbott and Lou Costello were alive today, their famous sketch, "Who's on First?" might have turned out something like this:
ABBOTT: Super Duper computer store. Can I help you?
COSTELLO: Thanks. I'm setting up an office in my den and I'm thinking about buying a computer.
ABBOTT: Mac?
COSTELLO: No, the name's Lou.
ABBOTT: Your computer?
COSTELLO: I don't own a computer. I want to buy one.
ABBOTT: Mac?
COSTELLO: I told you, my name's Lou.
ABBOTT: What about Windows?
COSTELLO: Why? Will it get stuffy in here?
ABBOTT: Do you want a computer with Windows?
COSTELLO: I don't know. What will I see when I look at the windows?
ABBOTT: Wallpaper.
COSTELLO: Never mind the windows. I need a computer and software.
ABBOTT: Software for Windows?
COSTELLO: No. On the computer! I need something I can use to write proposals, track expenses and run my business. What do you have?
ABBOTT: Office
COSTELLO: Yeah, for my office. Can you recommend anything?
ABBOTT: I just did.
COSTELLO: You just did what?
ABBOTT: Recommend something.
COSTELLO: You recommended something?
ABBOTT: Yes.
COSTELLO: For my office?
ABBOTT: Yes.
COSTELLO: OK, what did you recommend for my office?
ABBOTT: Office.
COSTELLO: Yes, for my office!
ABBOTT: I recommend Office with Windows.
COSTELLO: I already have an office with windows! OK, let's just say I'm sitting at my computer and I want to type a proposal What do I need?
ABBOTT: Word.
COSTELLO: What word?
ABBOTT: Word in Office.
COSTELLO: The only word in office is office.
ABBOTT: The Word in Office for Windows.
COSTELLO: Which word in office for windows?
ABBOTT: The Word you get when you click the blue "W".
COSTELLO: I'm going to click your blue "w" if you don't start with some straight answers. What about financial bookkeeping? You have anything I can track my money with?
ABBOTT: Money
COSTELLO: That's right. What do you have?
ABBOTT: Money.
COSTELLO: I need money to track my money?
ABBOTT: It comes bundled with your computer.
COSTELLO: What's bundled with my computer?
ABBOTT: Money.
COSTELLO: Money comes with my computer?
ABBOTT: Yes. No extra charge.
COSTELLO: I get a bundle of money with my computer? How much?
ABBOTT: One copy.
COSTELLO: Isn't it illegal to copy money?
ABBOTT: Microsoft gave us a license to copy Money.
COSTELLO: They can give you a license to copy money?
ABBOTT: Why not? THEY OWN IT!
(A few days later)
ABBOTT: Super Duper computer store. Can I help you?
COSTELLO: How do I turn my computer off?
ABBOTT: Click on "START...........
Friday, March 02, 2007
Who's on First?
5 comments:
Omigosh that brings back a lot of memories! I used to love watching Abbott & Costello and to this day if they're showing one of their movied, I watch them:-) The Who's on First skit was always my favourite!! I laughed so much at the computer skit...I can just picture them saying it that way too! hehe xoxReplyDelete
I love that sketch. I would laugh every time I saw it even though I had heard it all before. Thanks for the laugh.ReplyDelete
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