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Anil K. Rustgi, MD
Emeritus Professor of Medicine
Department: Medicine
Contact information
University of Pennsylvania Perelman School of Medicine
Division of Gastroenterology
421 Curie Boulevard
951 Biomedical Research Building II/III
Philadelphia, PA 19104
Division of Gastroenterology
421 Curie Boulevard
951 Biomedical Research Building II/III
Philadelphia, PA 19104
Office: 215-898-0154
Fax: 215-573-5412
Fax: 215-573-5412
Search PubMed for articles
Gastroenterology Website
Digestive and Liver Center
Center for Molecular Studies in Digestive and Liver Diseases
Search PubMed for articles
Gastroenterology Website
Digestive and Liver Center
Center for Molecular Studies in Digestive and Liver Diseases
Education:Permanent link
BS (Molecular Biochemistry & Biophysics)
Yale University, New Haven, CT, 1980.
MD (Medicine)
Duke University, Durham, NC, 1984.
BS (Molecular Biochemistry & Biophysics)
Yale University, New Haven, CT, 1980.
MD (Medicine)
Duke University, Durham, NC, 1984.
Description of Research ExpertiseResearch Interests
Oncogenes, tumor suppressor genes, tumor microenvironment, tumor metastasis, molecular genetics of GI cancers (colon, pancreatic, upper GI)
Key words: Cancers: esophageal, pancreatic, 3D cultures, mouse models
Description of Research
Our laboratory has had long-standing thematic interests in the cell-type and tissue-type specific actions of certain oncogenes (cyclin D1, EGFR) and tumor suppressor genes (p53, p120 catenin) in modulating the initiation, progression and invasion of gastrointestinal cancers, especially upper GI, pancreatic and colon. To that end, we employ novel three-dimensional cell culture systems (mouse and human origins) and genetically-engineered mouse models to investigate molecular mechanisms. These projects are translated into the objectives of improving molecular diagnostics and experimental therapeutics in patients.
Our research is funded through an NCI program project entitled "Mechanisms of Esophageal Carcinogenesis", NIH R01 grant on pancreatic cancer, and NIH R01 grant on colon cancer. Students and postdoctoral fellows are supported in didactic venues and conferences, present at national meetings, and have obtained national grant fellowships.
Rotation Projects
1. To understand the role of oncogenes and tumor suppressor genes (p53, p120catenin) in the tumor microenvironment as they relate to tumor cell migration and invasion in GI cancers, using 3D culture and mouse models.
2. To define mechanisms underlying cell lineage fate decisions during pancreatic development and cancer
3. To functionally characterize RNA binding proteins in colon cancers.
4. To functionally characterize stem cells in the upper GI tract.
5. Mechanisms underlying tumor metastasis and metastatic organotropism.
Lab Personnel:
Sarah Andres, PhD, Postdoctoral Fellow (NIH F32 Fellowship)
Basil Bakir, MD PhD student
Priya Chatterji, PhD student
Mary Ann Crissy, PhD, Research Specialist
Veronique Giroux, PhD, Postdoctoral Researcher (Canadian government fellowship)
Tatiana Karakasheva, PhD, Postdoctoral Fellow
Benoit Marchand, PhD, Postdoctoral Fellow
Leticia Moreira, PhD (Spanish government fellowship)
Jason Pitaressi, PhD, Postdoctoral Fellow
Mizuno Rei, MD, Postdoctoral Fellow
Ben Rhoades, M.B., Research specialist and lab manager
Tracy Tang, PhD student
Recently in Lab:
Daniel Abravanel, University of Pennsylvania, Rotating MD, PhD Student
Claudia Andl, PhD, Research Associate (recipient of NIH K01 grant and AGA Research Scholar Award), Associate Professor, University of Central Florida
Amy Demicco,University of Pennsylvania, Rotating PhD Student
Brent Fargnoli, University of Pennsylvania undergraduate student (University and Ben Franklin Scholar)
Christie Gutierrez, University of Pennsylvania, Undergraduate student (AGA student fellowship)
Katharine D. Grugan, PhD,Postdoctoral fellow (recipient of NIH F32 fellowship). Currently, at Janssen
Christopher Hahn, BA, Research Specialist
Kathryn Hamilton, PhD, Research Associate (NIH K01 and CCFA grants), currently Assistant Professor of Pediatrics, Children's Hospital of Philadelphia
Steffen Heeg, MD, Postdoctoral Researcher (German Cancer Society fellowship)
Phillip Hicks, Research Specialist. Now VMD-PhD student at University of Pennsylvania
Cameron Johnstone, PhD, Research Investigator (recipient of American Association for Cancer Research fellowship and Department of Defense grant). Now at Peter McCallum Cancer Institute, Melbourne, Australia
Elizabeth Kennedy, University of Pennsylvania, Rotating PhD student
Catrina King, PhD Received her PhD in Dec 2010; graduate of VMD program. Completed residency at Columbia University Medical Center
Emma Lundsmith, medical student (HHMI fellowship)
Blair Madison, PhD, Research Associate (NIH K01 grant), now Assistant Professor of Medicine at Washington University
Carmen Z. Michaylira, PhD, Postdoctoral fellow (recipient of NIH F32 fellowship)
Charles Miller, University of Pennsylvania, Undergraduate student, MD-PhD student at Rutgers/Princeton Universities
Perry Mongroo, PhD, Postdoctoral fellow
Keeley Mui, University of Pennsylvania, Rotating PhD Student
Max Reichert, MD, Postdoctoral Researcher (National Pancreas Foundation fellowship), Faculty in Munich, Germany
Anna-Sophie Rich, University of Pennsylvania, Medical Student (recipient of NIH/NIDDK fellowship)
Doug Stairs, PhD, Now Assistant Professor of Pathology, Hershey Medical Center (Recipient of NIH F32 fellowship and NIH K99-R00 grant in lab)
Shigetsugu Takano, MD, Visiting Assistant Professor
Jonathan Toung, University of Pennsylvania, Undergraduate Student (Vagelos Scholar)
Maria Vega, PhD student, CAMB (thesis project; NIH T32 training grant), postdoctoral fellow at Princeton University
Johannes von Burstin, MD, Postdoctoral fellow (recipient of DFG fellowship). At Technical University, Munich, Germany
Todd Waldron, PhD, Postdoctoral fellow (NIH F32 fellowship)
Melanie P. Wescott, PhD, Postdoctoral fellow (recipient of National Pancreas Foundation fellowship)
Louise Wang, University of Pennsylvania, undergraduate student (NIH fellowship). Medical resident at University of Pennsylvania
Rafi Winograd, University of Pennsylvania Rotating MD PhD student
Gabrielle Wong, PhD student, CAMB (thesis project; NIH T32 training grant). Now postdoctoral fellow at Dana Farber Cancer Institute
Bihui (Claudia) Xu, University of Pennsylvania, rotating PhD student
Selected PublicationsGiroux V, Lento AA, Islam M, Pitarresi JR, Kharbanda A, Hamilton KE, Whelan KA, Long A, Rhoades B, Tang Q, Nakagawa H, Lengner CJ, Bass AJ, Wileyto EP, Klein-Szanto AJ, Wang TC, Rustgi AK: Long-lived keratin 15+ esophageal progenitor cells contribute to homeostasis and regeneration. J Clin Invest 127(6): 2378-2391, Jun 2017.
Lin EW, Karakasheva TA, Lee DJ, Lee JS, Long Q, Bass AJ, Wong KK, Rustgi AK: Comparative transcriptomes of adenocarcinomas and squamous cell carcinomas reveal molecular similarities that span classical anatomic boundaries. PLoS Genet 13(8): e1006938, Aug 2017 Notes: doi: 10.1371.
Takano S, Reichert M, Bakir B, Das KK, Nishida T, Miyazaki M, Heeg S, Collins MA, Barchand B, Hicks PD, Maitra A, Rustgi AK: Prrx1 isoform switching regulates pancreatic cancer invasion and metastatic colonization. Genes and Development 30(2): 233-47, Jan 2016.
Dotto GP, Rustgi AK: Squamous Cell Cancers: A Unified Perspective on Biology and Genetics. Cancer Cell 29(5): 622-37, May 2016.
Reichert M, Takeano, S, von Burstin, J, Kim, SB, Lee, JS, Stansbury, KI, Hahn, C, Heeg, S, Schneider, G, Rhim, A, Stanger, BZ, Rustgi, AK: The Prrx1 homeodomain transcription factor plays a central role in pancreatic regeneration and carcinogenesis. Genes & Development 27: 288-300, 2013.
Madison BB, Liu Q, Zhong X, Hahn CM, Lin N, Emmett MJ, Stanger BZ, Lee JS, Rustgi AK. : LIN28B promotes growth and tumorigenesis of the intestinal epithelium via Let-7. Genes and Development 27(20): 2233-45, 2013.
Quante M, Bhagat G, Abrams JA, Marache F, Good P, Lee MD, Lee Y, Friedman R, Asfaha S, Dubeykovskaya Z, Mahmood U, Figueiredo JL, Kitajewski J, Shawber C, Lightdale CJ, Rustgi AK, Wang TC: Bile acid and inflammation activate gastric cardia stem cells in a mouse model of Barrett-like metaplasia Cancer Cell 21(1): 36-51, 2012.
Kalabis J, Wong GS, Vega ME, Natsuizaka M, Robertson ES, Herlyn M, Nakagawa H, Rustgi AK. : Isolation and characterization of mouse and human esophageal epithelial cells in 3D organotypic culture. Nature Protocols 7(2): 235-46, 2012.
Stairs DB, Bayne LJ, Rhoades B, Vega ME, Waldron TJ, Kalabis J, Klein-Szanto A, Katz JP, Diehl JA, Reynolds AB, Vonderheide RH, Rustgi AK : Deletion of p120-catenin results in a tumor microenvironment with inflammation and cancer that establishes it as a tumor suppressor gene. Cancer Cell 19(4): 470-83, 2011.
Kalabis J, Oyama K, Okawa T, Nakagawa H, Michaylira CZ, Stairs DB, Figueiredo JL, Mahmood U, Diehl JA, Herlyn M, Rustgi AK.: A subpopulation of mouse esophageal basal cells has properties of stem cells with the capacity for self-renewal and lineage specification. J Clinical Investigation 118(12): 3860-9, 2008.
Okawa, T., Michaylira, C.Z., Kalabis, J., Stair, D., Nakagawa, H., Andl, C., Claudia, D., Johnstone, C.N., Andres, J., Klein-Szanto, A.J., El-Deiry, W.S., Cukierman, E., Herlyn, M., Rustgi, A.K.: The functional interplay between EGFR overexpression, hTERT activation and p53 mutation in esophageal epithelial cells with activation of stromal fibroblasts induce tumor development, invasion and differentiation. Genes & Development 21: 2788-803, 2007.
Deramaudt TB, Takaoka M, Upadhyay R, Bowser MJ, Porter J, Lee A, Rhoades B, Johnstone CN, Weissleder R, Hingorani SR, Mahmood U, Rustgi AK: N-cadherin and keratinocyte growth factor receptor mediate the functional interplay between Ki-RASG12V and p53V143A in promoting pancreatic cell migration, invasion, and tissue architecture disruption. Mol Cell Biol 26(11): 4185-4200, 2006.
Andl CD., Mizushima T., Nakagawa H., Oyama K., Harada H., Chruma K., Herlyn M., Rustgi AK.: Epidermal growth factor receptor mediates increased cell proliferation, migration, and aggregation in esophageal keratinocytes in vitro and in vivo. Journal of Biological Chemistry 278(3): 1824-30, Jan 17 2003.
Opitz O.G., Harada H., Suliman Y., Rhoades B., Sharpless N.E., Kent R., Kopelovich L., Nakagawa H., Rustgi A.K.: A mouse genetic model of human oral-esophageal cancer. Journal of Clinical Investigation 110: 761-769, 2002.
Opitz OG, Suliman Y, Hahn WC, Harada H, Blum HE, Rustgi AK: Cyclin D1 overexpression and p53 inactivation immortalize primary oral keratinocytes by a telomerase independent mechanism. Journal of Clinical Investigation 108: 725-732, 2001 Notes: Commentary in Journal of Clinical Investigation and Nature Cancer Reviews.
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Last updated: 12/13/2018
The Trustees of the University of Pennsylvania
Last updated: 12/13/2018
The Trustees of the University of Pennsylvania


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Russell Crowe and Hugh Jackman thrilled revellers with a live singing battle at the weekend.
The stars are currently travelling the world to promote their new musical movie Les Misérables. Although Russell and Hugh play bitter rivals in the film, they are good friends in real life and Russell invited his co-star to see him sing at Joe's Pub in New York City on Saturday night.
Russell was performing an intimate gig called The Indoor Garden Party with Canadian musician Alan Doyle, when he persuaded Hugh to join him on stage.
According to reports, Russell and Hugh got back into character as Inspector Javert and Jean Valjean respectively to belt out a rendition of The Confrontation ' a song from Les Misérables.
Hugh thoroughly enjoyed the performance, even borrowing a black bow tie to complement Russell who was dressed in a tuxedo.
The crowd responded enthusiastically and loudly cheered them on throughout the song.
At the end of the track, Russell and Hugh congratulated each other with a hug.
They then urged the audience to join them in singing some holiday tunes.
Fellow Les Misérables star Samantha Barks was also in attendance and sang with Russell during the evening.
Russell hinted the audience were in for a special treat ahead of his shows at the venue.
"NYC Indoor Garden Party two and three tonight at Joe"s Pub in the Public Theatre on Lafayette, couple of great guests in the back pocket," Russell wrote on his Twitter account.

subset: commoncrawl


text:
litc necesitaba un nuevo diseño de papelería y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 91 diseños de 27 diseñadores freelance.
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Business card and Letter head - will have our Logo,name, slogan (leading the future) address, phone and fax, email and web site
Envelope - Logo, Name and return address
Folder - Logo, Name and slogan at the front cover
address, phone and fax, email and web site at the back cover
files should be in PDF format
feel free to ask for more information


text:
Ten years ago, the Atlantic Coast Athletic Club in Charlottesville, VA had a "typical" club membership. The average member age hovered around 34 years old. Today, the average age at the club has risen to the low 50s. But, that's not the only thing that's risen. Membership numbers have increased from 3,000 members in 1997 to 11,000 in 2004. And, the club has moved from an 18,000-square-foot building to a new 64,000-square-foot facility.
Phil Wendel, owner of the club and two others in the Virginia-Maryland area, attributes the increase to a redefinition that the club underwent in 1998. A few years prior, average business with marginal returns had prompted Wendel to spend about two years researching how to make fitness a great business for his club instead of a marginal one. During that time, he visited more than 50 clubs across the country, attended trade shows to network with industry people, read a lot of research, talked to industry leaders and worked with IHRSA.
"All of that really helped," says Wendel. "But if you'd have to say there was a moment in time that I said, 'Aha, that's it,' it occurred when I read that the interested market was 4 ½ times larger than clubs now reach. That's when I said, 'I get it.'"
He became absorbed by the research done by American Sports Data that showed that the deconditioned represent 65 percent of the market. These deconditioned people often want to do something about their condition, but they don't feel welcome at the typical club. He figured that his club only needed to pull in one-eighth of that deconditioned market to make his business grow by 50 percent.
While industry consultants may recommend doing market research prior to a redefinition, Wendel didn't.
"I think America is ready to become more active," says Wendel. "It was more a belief in the willingness of people to respond to a good idea, a good club. I thought, if I build this and it's good, they will come."
That's when the redefinition of his club began in earnest. In general terms, to redefine means to reformulate or re-examine with a view to change. As far as health clubs go, to redefine means to re-evaluate everything from the club's location and building design to its demographics, equipment selection and setup, programming, the music played, rehabilitation or physical therapy options, childcare and even staffing.
At some point in its lifespan some clubs will require a redefinition, but other clubs can survive for 20 years without a redefinition, says Rick Caro, president, Management Vision. It just depends on the market and the pressure points of each club. Sometimes, the examination is triggered by external factors, such as the local demographics changing or a major competitor coming into the market. However, dropping sales numbers often are the biggest precursor for a redefinition.
"Generally, club owners don't try to redefine their club until they see sales are increasing but increasing at a decreasing rate," says Charley Swayne, club consultant. "In other words, sales are still going up but not going up as much. Or they wait until their sales are declining."
When a club owner redefines his or her club, the owner must investigate the competition to see what is already out there, who is already being served well and to determine who is not being served by any club. Then, the club owner must determine whether an opportunity exists to attract that market if the club redefines itself, says Caro.
"This is an industry that hasn't had much focus on market segmentation," says Caro. "We've been willing to have some different physical plans and price points, but we're willing to accept anyone who is willing to sign a contract to pay a certain price as long as they are old enough and legal to sign such an agreement. So we have little history of true segmentation."
However, segmentation is often the cornerstone of a good club redefinition, and knowledge of who that target market is and what they want is vital. If a club owner can't define his or her club's target audience properly, then everything after that is not defined, says Caro.
Clubs could learn a lesson from the segmentation efforts of the old WellBridge Club in Newton, MA, says Caro. More than 10 years ago, when the club was owned by Monsanto, the club decided to go after the older, deconditioned market. Everything about the club then followed from that. The club purchased equipment with smaller gradations of weights — one-pound increments instead of five-pound increments. The equipment fit people of different sizes and weights and with various health issues. Because many of the older people used assisting devices, such as canes, the club provided plenty of space between equipment. They also put in better lighting in the equipment area.
In the group exercise area, the club offered several small group exercise rooms because the members wanted to work out in small groups but they also wanted variety. The group exercise classes involved more stretching, flexibility and mind/body classes than found at the typical club at that time. Because many in this group had never exercised before, the club also offered introductory and beginner classes in group fitness as well as introductions to the fitness equipment area.
"All of those things could be packaged up ahead of time, and it allows the new joiner to think, 'Gee, there's a lot of other people like me, and I'm glad they are holding our hand at first until we feel we can handle this,'" says Caro.
The water temperature in the pool had to be much warmer than standard in the industry, and water classes were different from other clubs, taking into account aging issues. In addition, the locker rooms included more private spaces for people with medical issues who feel they need more privacy to change.
The older group also wanted social space so the club ensured it provided plenty of space for a food and beverage area with couches, chairs and a fireplace. Because the older crowd liked to stay around and socialize after working out, the club also had to increase the number of parking spaces in the parking lot.
Even the music was different. Instead of loud Top 20 music, the club played music that was softer and classical. To be credible with this crowd, the club also put in a library with medically oriented books and tapes.
The final nod to their mature demographics involved staffing. The club hired a more educated fitness staff — many of them older and with master's degrees. Because most of the members would have some sort of medical issue, the staff had to be able to screen people and be able to work with the medical information they receive.
The definition of the WellBridge Club was thought out from top to bottom. The club owners understood the target audience and delivered what that audience needed. While new owners have changed the definition of the WellBridge Club, a segmentation to an older and deconditioned market still works at Wendel's club.
The Atlantic Coast Athletic Club set up Health Quest areas to train this population about exercise. It is a "high-touch" training center, Wendel says, where staff is on-hand helping members even to the point of setting the pins and seats on the selectorized equipment.
"We spend more time with these members assuming there is a learning curve with them," says Wendel. That learning curve also requires a staff with degrees who can teach and coach. To go along with the more professional training of the staff, the club now requires staff to wear uniforms.
New members receive coupons for complimentary services that can include a 20-minute goal-setting session with a fitness specialist or a 30-minute health appraisal, a personal training session, a discounted treatment at the spa or a 30-minute nutrition consultation The club also offers a program called Take Control, which is a 10-week healthy lifestyle program that combines personal training and nutrition counseling.
While Wendel has gone to great lengths to cater to his chosen market, not every club will want to focus on this market. Each owner must determine what market works best for his or her club.
"The smartest way to redefine a club is to pick out something that the club does far better than the competition," says Swayne. "It could be a certain type of programming. It could be a special staff person they have available. It could be a product that no one else has in the marketplace."
Whatever a club chooses, it must revolve around a strength that the competition doesn't have — even if the club owner must go out and acquire that strength, Swayne says. The club owner should ensure that he or she understands that market and is passionate about it.
"If you don't have a passion for that market, I can guarantee you won't do well in it," says Swayne.
Redefinition can be a painful process, particularly if no one seems to notice the redefinition once it is completed. However, the problem may not be that the redefinition failed; it may be that the club owner just hasn't marketed the new club well enough.
"When a club redefines itself, it is usually around product, people or programs," says Swayne, "but tied in with whatever you do is promotion. You can't just do it and hope the world knows about it. It takes a promotional shift. Build money in for that."
The Atlantic Coast club started marketing its new image during construction of the new facility. The club hosted two hard hat tours that attracted 3,500 people. In addition, the club produces a photo-intensive, high-gloss newsletter three times a year that it sends to members and 6,000 to 7,000 households in its target market. Half of the newsletter contains a program guide for the next four months and the other half contains medical and health news.
The club also opens up its conference room to non-profit groups who want to hold meetings at the facility. The local Rotary group holds a casino night at the club on a regular basis.
"Our real goal is to get people in to see the club and form a positive impression so that when they are ready to make the exercise decision, they will remember us and come in," says Wendel.
Clubs often find that most members come from a tight radius around a club — about three to four miles. Marketing that reaches further than that is not necessary, which means that cable, TV, newspaper and radio may not be the best marketing option. Instead, direct mail may be a club's best option. However, a club owner that turns to direct mail must realize that the first two direct mailings are pretty much worthless, says Swayne.
"It takes about seven impressions to move something from short-term memory to long-term memory," Swayne says. "If the only impression is just one direct mail piece, your response rate will be about nothing."
Swayne recommends also using billboards and signage. Once potential members see a club's message in more than one place, direct mail responses tend to increase, he says.
Caro recommends visiting neighborhood associations, church auxiliary groups and other community groups to inform them about the changes at the club. A club might be able to market through e-mails or through inserts for a specifically targeted segment of the newspaper circulation if possible.
"This isn't something that can be done overnight," Swayne says about promotion. In fact, it could take a year to get the word out.
"They need to understand who is the end user they are going after," says Caro. "Describe in detail who that person is and then find them. Do they live in a certain area of the neighborhood? Are they of a certain age? Read through the local paper to see what groups meet during the week and connect with them. Study whom the target is and how to reach them. Put together a plan."
A redefinition can pay off big time for a club. For Wendel, the redefinition has been so successful that he has implemented it in his two other clubs with similar results.
"The change didn't happen overnight," says Wendel. "In the six years that this new facility has been open, we've grown each year. People who are members are having success and are recommending us to their friends and family."
Redefined clubs may reach deeper into the marketplace than normal penetration rates and may have an increased member loyalty, which pays off with more member referrals, says Swayne. In addition, the club may become known in the community for something that sets it apart from the other health clubs in the neighborhood. All of that often will lead to increased sales numbers.
"Your sales start to go back to the way they were when you were growing your company," says Swayne. "They start increasing at an increasing rate."
Once a club owner sees that, he or she will see that the whole pain of the redefinition process was worth it.
- Look at the marketplace and update any market analysis that needs to be done.
- Network at the conventions and find other club owners who have already redefined their clubs. Ask them what they did and what problems they encountered. Find out if redefining their club was a good decision for them.
- Check out the competition to see what market they serve and what programs/equipment they use to serve them. See if the competition is serving that market well or whether you could serve them better. Investigate who is not being served by any club. Then, determine whether an opportunity exists to attract that market if you redefine your club.
- Put together a mini business plan. Specify goals about whom you're going after, what you can provide that market and how you will get financing (if you need it).
- Involve all the key people in the plan so there's buy in.
- Talk to owners and current investors if they are not the management people.
- If you are sure of your direction, test out your concept on a focus group and talk to members and staff to get their input. If you are unsure of what direction to go in, then bring in staff and members and maybe one or two global thinkers in the community (for an outside perspective) for a brainstorming session.
- If you need additional funding, work with investors to get the funding. You may also want to work with your lawyer to create addendums to original documents.
- Put together the implementation plan, which should include the physical plant, sales/marketing, programming, servicing of new members and new systems.
- Complete the redefinition, which could include adding new staff, changing equipment, remodeling the facility, adding onto the facility, signing up different types of people and saying goodbye to those who no longer fit in the club.
- Market your changes. Let the people in your neighborhood know that the club has changed. Use direct mail, billboards, signage and visits to community groups.


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The United States and Mexico gave way to Norway and Britain this year on The Society of International Railway Travelers' (IRT) annual list of the world's best trains trips.
The list is based on the experience of rail society writers, editors, members and staff, with all trips meeting set standards for service, accommodation, scenery, off-train experiences and enjoyment.
New to the Top-25 list are two routes in Norway and the British Pullman, which completes the British leg of Venice Simplon-Orient-Express journeys between Paris and London. But gone are the GrandLuxe Express and Sierra Madre Express, which ran in Mexico's Copper Canyon, both closed due to the economic downturn.
- - -
North America
1. Canadian (Canada)
2. Royal Canadian Pacific (Canada)
3. Rocky Mountaineer (Canada)
South America
4. Andean Explorer (Peru)
5. Hiram Bingham (Peru)
6. Blue Train (South Africa)
7. Pride of Africa (Rovos Rail) (South Africa)
Asia/Indian Subcontinent
8. Palace on Wheels (India)
9. Eastern & Oriental Express (SE Asia)
10. Shangri-La Express (China/Tibet)
11. Toy Train (India)
12. Deccan Odyssey (India)
13. Danube Express (Central Europe, Turkey)
14. British Pullman (Great Britain)
15. El Transcanta-brico (Spain)
16. Golden Eagle Trans-Siberian Express (Russia)
17. Venice Simplon-Orient-Express (Europe)
18. Glacier Express (Switzerland)
19. Bernina Express (Switzerland)
20. Royal Scotsman (Scotland)
21. Flam Railway (Norway)
22. Bergen Railway (Norway)
23. Ghan (Australia)
24. Indian Pacific (Australia)
25. Sunlander (Australia)


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Because no one reads the newspaper, and SportsCenter's anchors are too perky for this early in the morning, Deadspin combs the best of the broadsheets and the blogosphere to bring you everything you need to know to start your day.
•For a New Orleans independent theater, Sunday was to be a screening of "Bright Star," the Jane Campion-directed biopic of John Keats. Who dat? Well, now they'll be hosting a viewing party for the NFC title game instead. Well, as Keats would say, "Beauty is football, football truth."
•Another loss for Duke (this time to NC State)? That's twice this month. At this rate, they won't be fun anymore. Oh, who am I kidding, they're always fun.
•Brady's not playing in the Pro Bowl due to his injury. Ditto Big Ben. Rivers didn't want to play, and Peyton could be prepping for the Super Bowl. That leaves Matt Schaub and Vince Young as the AFC quarterbacks. Move it to Miami, they said. It'll be a big event again, they said. No one wants to go to Hawaii, they said.
•The list of the top selling NBA jerseys is out, and it's Kobe, LeBron and Dwight, of course. But the real surprise are Knicks and Bulls jerseys cracking the top 5 teams. Is it the mid-90s again? I guess that makes sense, because both are playing ugly, low-scoring basketball.
•Shani Davis and Stephen Colbert raced for the final Olympic speedskating spot. Colbert started the 500 meter race while Davis was still driving to the arena; Davis parked, signed autographs, suited up, and still beat Colbert by 13 minutes. Knowing the USOC, they'll probably give Colbert the spot because he's a bigger "name."
It's Thursday. Open wide.


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Browse our catalog, compare our prices, sign up for our newsletter and check back often for new products.
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Brain surgery. That's one job you probably shouldn't DIY. But it's not the only job. Some fixer-uppers in your home really do require expert help. Others are too costly to muck up. The DIY experts at Stack Exchange provide a list of home projects you should never DIY.
Illustration by Sean Gallagher.
What are the most common DIY projects that you should not do yourself? What must be hired out?
— Originally asked by Jay Bazuzi
Answer: Domestic Gas Piping
Seems like it's trivial to connect a stove to the pipeline in an apartment—buy a pipe and two thunks, play with a wrench—what could be easier?
Then you overtighten or undertighten some nut or use a wrong type of thunk and you've got a gas leak and possibly a devastating explosion. Saved 30 to 100 bucks but destroyed your own and others' property and possibly killed and injured people. Bad Idea.
Answer: Garage Doors
This reminds me of this question. Garage doors. The tension stored in those springs is pretty dangerous. Make a wrong move while tensioning the springs and it could take your arm off.
Answer: No-Fun Projects
You should never do the stuff that's not fun to do. It took me a while to learn this, but unless you truly love hanging sheetrock, for instance, assume a pro will get that portion of your project done 10x faster than you ever would. That's well worth the money, IMHO.
I put roofing on that list. It's certainly a DIYable task, but a pro roofing team can redo your roof in one day. That's a good thing.
Answer: Bricklaying & Plastering
My very handy father completely rebuilt a house, doing absolutely everything himself or with family assistance (I recall tiling a roof) except for a couple of large repetitive do-it-right-first-time jobs which he could do himself but he knew an experienced professional team would get done much better and much faster: bricklaying and plastering.
Answer: HVAC Work
Particularly the internals of the system. A heat pump is one of the most complicated pieces of equipment in a modern home. And there's plenty of warranty issues involved if you are not an authorized reseller.
Answer: Refinishing a Bathtub (In Place)
"It's just body work—I've done this a dozen times." Incredibly messy, hard to clean up, a ton of cramped work, and even with good ventilation—just an awful job. I saved my mom a few bucks, but never again.
On the other hand, I did try one of these paints on a bathtub I want to replace. It's been a year, still looks good. Gets horrible reviews though—I may have been lucky or used a different brand.
Answer: Know What Can Go Wrong
Homeowners should never do anything where they cannot list 3-5 ways in which it could go wrong.
Answer: When in Doubt, Ask an Expert
I'm a general contractor, and I make a living of correcting problems created by home owners trying to save a buck or two. Reading and researching online is great, but no substitute for experience and the proper tools for the job. The cost of fixing a botched job is always more than doing it right the first time, not to mention the agravation and possible safety hazards created. WHEN IN DOUBT CALL A PROFESSIONAL, or become good friends with a competent general contractor and ask for advice like my family and friends do all the time!
Need help on a project? Check out Lifehacker's list of "Don't Do It Yourself" resources here.
Think you know what you should never do DIY? Have a different DIY question? Bring your expertise to Stack Exchange—a network of Q&A sites on diverse topics from software programming to Apple and Android to scientific skepticism...and plenty in between.


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1 in 20 kids is one child in every classroom
One day we will defeat childhood diseases. Until then, we need your support. Remember to wear your Virtual Badge with pride after you have donated.
Buy DNA sequencing to identify genetic diseases.
Fund research needed to understand rare diseases.
Develop big data technology to improve cancer diagnosis and treatment.
Create new AAV vectors, microscopic 'scalpels', to cure many genetic disorders.


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3D tool helps children with neuromuscular disease
WILMINGTON, Del. – Children with neuromuscular diseases, like muscular dystrophy, have a hard time moving their arms and doing basic things like eating, playing, or hugging their loved ones. Now, a new 3D printed exoskeleton is helping these kids move in ways they never thought possible.
During her fifth month of pregnancy, Jennifer Mohn was told to prepare for the worst for her unborn daughter.
"They told us to make arrangements for her," she said.
Baby Hannah Faith survived, but was born with a list of health conditions, including arthrogryposis, a disease that affects muscle strength.
"She was just really unable to move," Mohn said.
Four years later she's making great strides, thanks in part to 3D printed arms known as the Wilmington Robotic Exoskeleton, or WREX.
Each WREX is constructed of lightweight plastic and rubber bands and can be custom made overnight with the use of a 3D printer.
"If you do the geometry right and you put the bands in the correct place, you can get this floating sensation for a kid," explained Tariq Rahman, PhD, Senior Research Engineer, at Nemours/Alfred I. duPont Hospital for Children.
It's allowing kids like Hannah the ability to move their arms and even flick a rubber band.
"To see her have the ability to reach her arms out, to reach out and grab something is just a really amazing feeling for a mom," Mohn explained.
Since a 3D printer is used, the customized exoskeletons can easily be made to grow with the child.
The WREX can also be used by children with other neuromuscular diseases or by adults with stroke and spinal cord injury.
Copyright 2014 by Ivanhoe Broadcast News and News4Jax.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Hollywood Club Crawl
About event
Join the Hollywood Club Crawl every Friday and Saturday. The Hollywood Club Crawl averages 50 to 100+ locals, singles, tourists, and groups joining us for a legendary night out in Hollywood! A mass of new people to meet. No cover charges at any clubs and no waiting in lines. Our Club Crawl hosts escort the group straight in, VIP style.
Purchase your advance ticket here and meet us 10 pm at St. Felix bar - 1602 N. Cahuenga. At St. Felix the group receives $2 off all drinks and $4 house shots to start the night. Our Club Crawl hosts then escort the group to 3 more venues. Weekly club line ups are posted on our website. Birthdays and large groups, contact us about setting up a personalized ticket link.
4 Clubs / 1 Night / $25 - Your best night out in Hollywood!


text: Many experts say reducing mortgage principal can help troubled homeowners avoid foreclosure and stay in their homes. But the regulator who oversees two of the nation's largest mortgage holders, Fannie Mae and Freddie Mac, has rejected the idea. Justin Sullivan/Getty Images hide caption toggle caption Justin Sullivan/Getty Images The Two-Way Fannie, Freddie Regulator Holds Firm Against Mortgage Write-Downs July 31, 2012 A federal regulator is blocking the government-owned mortgage giants Fannie Mae and Freddie Mac from reducing the principal that homeowners owe on their mortgages in order to avoid foreclosures.


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Our Mission
To comprehensively and systematically characterize mechanisms of action underlying infectious, metabolic and immune-mediated diseases; the NIMML will translate this new knowledge towards developing innovative therapeutics for human diseases that are safer and more effective.
Our Vision
To become a world leading research laboratory in translational, personalized, predictive, participatory, and preventive medicine.
Our Values
Integrity, creativity, efficiency, teamwork, confidentiality, customer-service orientation, loyalty, commitment, trust, attention to detail, and impeccable work ethics.
About NIMML
The NIMML uses innovation to tackle challenges in infectious, immune-mediated and chronic inflammatory disease research. We combine computational approaches with pre-clinical and clinical experimentation to transition new biological knowledge into safer and more effective medicines for human diseases.
NIMML History
The Nutritional Immunology and Molecular Medicine Laboratory (NIMML) is a research organization founded in 2002 under the guidance of Dr. Bassaganya-Riera and Dr. Hontecillas. NIMML is committed to a transdisciplinary, team-science approach with a personalized medicine focus at the interface of immunology, inflammation and nutrition. The NIMML research programs incorporate drug development, nutritional immunology, computational immunology, and translational research in immune mediated, infectious and chronic inflammatory diseases.
The NIMML research has pioneered pipelines applying high-throughput computational and experimental immunology techniques and system biology approaches in translational immunology research and discovery. Through the Center for Modeling Immunity to Enteric Pathogens Program, we have applied high performance computing techniques to model and simulate human immunology systems and help immunologists conduct in silico experiments in order to develop a more mechanistic experimental design, validate hypotheses and save significant time and laboratory cost.
NIMML research has received support from the National Institute of Allergy and Infectious Disease at the National Institutes of Health, the National Center for Complementary and Alternative Medicine, Bristol Myers Squibb, Lipid Nutrition, Cognis Nutrition and Health GmbH, BASF, USDA, and commodity groups with a growing research funding portfolio exceeding $15 million.
1. Focus: NIMML's research areas include drug development, nutritional immunology, immune mediated disease, infectious disease, chronic diseases, and computational immunology
2. Team: NIMML is composed of over 30 active lab members trained in immunology, biochemistry, microbiology, engineering, bioinformatics, computer science, mathematics, and physics
3. Portfolio: NIMML has a growing research funding portfolio exceeding $15 million, with over 100 publications, and 20 patents and applications
4. MIEP: NIMML's houses the Center for Modeling Immunity to Enteric Pathogens (MIEP) one of four NIAID-funded centers in Modeling Immunity for Biodefense (MIB)
5. Unique Style: NIMML integrates computational modeling with experimental approaches to develop innovative therapeutics for human diseases
1. Developing powerful tools to quantitatively understand the dynamics of complex immunological systems
2. Identifying and validating novel therapeutic targets for infectious, immune mediated and chronic inflammatory/metabolic diseases- examples include: type two diabetes (T2D), Helicobacter pylori, inflammatory bowel disease (IBD)
3. Discovering how diet and nutritional factors influence the immune responses, thereby regulating health and disease outcomes
4. Conducting translational research integrating computational modeling with novel experimental approaches
5. Enabling students to excel in translational research and reach their career goals in environments such as Amazon, QIAGEN, University of California Berkley, Feinstein
6. Creating innovative pipelines for drug development to identify and test the efficacy and safety of new compounds by applying molecular and systems modeling, testing the mechanism of action in animal models of disease, and conducting human clinical trials to validate the results of animal models


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Location: Buckhorn Office Building
Department: Finance
Work Schedule: Days
Work Type: Full Time
Job Summary:
Provides the necessary functions to bill, collect, analyze, and adjudicate hospital and billing and collection functions for all clinical service lines with respect to the hospitals within the Geisinger Health System. This position executes and performs programs to insure efficient operations of the Geisinger Health System Revenue Management program in order to generate sufficient cash flow to support GHS operations and strategic initiatives. In the position of Revenue Management Service Line Specialist, responsibilities include billing and collecting for all third party insurance payers adjustment functions, adjudicating, identifying, analyzing, reducing and resolving various revenue enhancement, and credit balance issues associated with hospital accounts receivable and insuring monthly cash flow for the previously mentioned service lines. These responsibilities further include the management of a portfolio of accounts (Hospital) per Revenue Management Service Line Specialist (collector) and/or the processing of (Hospital) claims per month per Revenue Cycle Service Line Specialist (biller), with respect to the successful adjudication of claims.
Reports to the Revenue Management Supervisor or the Revenue Management Manager.
Competencies and Skills:
Demonstrates a strong working knowledge and understanding of federal, state, and other third party billing requirements including HCPCS, ICD9, HIPAA and medical terminology.
Demonstrates strong presentation skills, with the ability to effectively communicate to many different audience levels.
Demonstrates familiarity with multiple computerized applications (i.e. Siemens, IDX, Tower, Contract Manager, Cadence, Epic, Electronic Medical Health Record, ePremise, NaviNet, Artiva, etc.).
Demonstrates ability to meet standards set forth for both productivity and quality of work.
Associate's or Bachelor's degree in business, finance, accounting, or related Healthcare field required.
High School diploma or equivalent required. Minimum of three years relevant experience in a healthcare setting to include third party insurance training, credit and collection experience with a solid knowledge of insurance cover (Managed Care, Worker's Compensation and No-Fault) required.
Minimum of two years as Revenue Management Specialist required.
Working Conditions/Physical Demands:
Work is typically performed in an office environment.
The specific statements shown in each section of this description are not intended to be all-inclusive. They represent typical elements considered necessary to successfully perform the job.
The specific statements in this profile are not intended to be all-inclusive. They represent typical elements considered necessary to successfully perform the job.
OUR PURPOSE & VALUES: Everything we do is about caring for our patients, our members, our students, our Geisinger family and our communities. KINDNESS: We strive to treat everyone as we would hope to be treated ourselves. EXCELLENCE: We treasure colleagues who humbly strive for excellence. LEARNING: We share our knowledge with the best and brightest to better prepare the caregivers for tomorrow. INNOVATION: We constantly seek new and better ways to care for our patients, our members, our community, and the nation.
ABOUT GEISINGER: Geisinger is a physician-led health system comprised of approximately 30,000 employees, including nearly 1,600 employed physicians, 13 hospital campuses, two research centers, and a 583,000-member health plan Geisinger is nationally recognized for innovative practices and quality care. Geisinger serves more than 3 million people in central, south-central and northeast Pennsylvania and also in southern New Jersey with the addition of National Malcolm Baldridge Award recipient AtlantiCare, A member of Geisinger. In 2017, the Geisinger Commonwealth School of Medicine became the newest member of the Geisinger Family.
We offer healthcare benefits for full time and part time positions from day one, including vision, dental and domestic partners.* Perhaps just as important, from senior management on down, we encourage an atmosphere of collaboration, cooperation and collegiality. For more information, visit www.geisinger.org, or connect with us on Facebook, Instagram, LinkedIn and Twitter.
** Does not qualify for J-1 waiver. We are an Affirmative Action, Equal Opportunity Employer Women and Minorities are Encouraged to Apply. All qualified applicants will receive consideration for employment and will not be discriminated against on the basis of disability or their protected veteran status.
*Domestic partner benefits not applicable at Geisinger Holy Spirit.


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NEW YORK -- A weak economy may be wreaking havoc on many industries, but the distilled spirits industry experienced growth in 2011 while taking more market share again from beer.
That was among findings released by Distilled Spirits Council President and CEO Peter Cressy at the industry's annual briefing for Wall Street analysts and reporters on Tuesday. But, he warned, uncertainty about the economic recovery and the impact of new taxes could derail future growth.
Distilled spirits exports exceeded $1 billion for the fifth consecutive year, reaching a projected record $1.34 billion in 2011 (based on 11-month totals). Total spirits exports grew 16.5% over the preceding year, while American whiskey -- which constitutes 69% of total exports -- grew 13.6%.
An ongoing trend towards open markets and sensible transparent regulations, as well as a focus on communicating the heritage of the products in new markets, contributed to the trade growth. Among significant trade victories in 2011 were the passage of the U.S.- Korea Free Trade Agreement, which will eliminate the 20% tariff on bourbon/Tennessee whiskey upon implementation of the agreement, and the World Trade Organization's final ruling that the Philippines' excise tax on distilled spirits is discriminatory and in violation of WTO rules.
"As countries around the world lower tariffs and other barriers, American spirits products are finding new audiences fascinated by the rich heritage and unique character of these great brands," Cressy said.
He attributed the market share growth to industry innovation and the consumer return to a preference for premium-priced spirits. Other significant factors contributing to the positive outcome, he said, were ongoing national market modernization trends and a willingness by policymakers to hold the line on taxes.
In other points of the report:
- Federal government data showed that underage drinking and drunk driving fatalities are at historic low levels.
- Industry suppliers saw year-to-year volume growth of 2.7% to 195.8 million 9-liter cases, and sales growth of approximately 4% to $19.9 billion, reflecting a consumer return to premium products.
- Vodka, which accounts for 32% of industry volume, was up 5.9% to 63 million 9-liter cases, but in the super premium category, volume rose 12.7% and revenue rose 15.9%, $160 million now totaling $1.16 billion.
- In the largest whiskey category, bourbon and Tennessee whiskey, overall volume was up 3.9% to 16 million 9-liter cases, and revenue was up 3.9% to $2.0 billion. But, again, the largest growth occurred in the super premium category where revenue was up 11.4% for a total of $180 million. "These results show that the hospitality industry is helping drive the national recovery and job creation, but it remains critical that legislators don't derail future economic growth through higher taxes," Cressy said.
To Dowd's Wine Notebook latest entry.
To Dowd's Brews Notebook latest entry.
To Dowd's Tasting Notes latest entry.
Back to Dowd's Guides home page.


text:
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Pricing for each circuit breaker is based on many factors including accessories, warranty and delivery options. Please call, fax or email with requirements for a specific quote. If you are unsure
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I'm traveling all next week, meeting new clients and getting into my new responsibilities. So I've been thinking about air travel the past few days. The news is full of stories and opinion pieces about the horrible state of air travel. We've all read about it, talked about it, and probably complained about it. It's as if you can't mention air travel without including the phase "little indignities" in the same sentence. So unless you're a masochist, no one really looks forward to business travel, and even pleasure travel seems to be getting less and less exciting.
Now I have a dirty little secret: I actually enjoy flying. I really love it. (That's putting aside the CO2 emissions issues: the picture above is enough to give me serious doubts about the sustainability of flying. I've recently started to carbon offset my flights – not sure if that's enough, but it's something and I'm trying it out. Interested in hearing other opinions on it…)
I love the sense of possibility and momentum in airports, the fact that thousands of people are beginning and ending adventures. I love the people watching and speculating as to where various oddly attired people might be going. I love watching the crowd dynamics in large groups of strangers. I look forward to the actual flying for the quality time with a book or a magazine or an iPod with no chance of being interrupted by phone calls and emails, and no parental obligations to weigh on me.
And while I've certainly had the occasional bad experience with delays, cancellations, and questionable airplane sanitary conditions, in the grand scheme of things it really doesn't seem all that bad. And the more stressed and angry people around me get, the calmer I get. It's like some osmosis permeable membrane thing happens with stress – they pull all the stress out of me. It's very zen. (And selfishly, I find when you're the unstressed person who smiles and shows a little consideration to airline staff, they're much more likely treat you like gold because they're so used to being abused these days.)
I've felt very alone in my love of flying given the prevailing conventional wisdom. So I was glad to see that the excellent travel essayist Pico Ayer has a wonderfully contrarian piece in the NY Times blogs challenging that conventional wisdom.
It's very plannerly – he argues that flying hasn't actually changed much at all, and where it has it's changed for the better: "[a]ir travel is in fact as comfortable and reasonable today as it's ever been." Instead, it's our expectations of control and choice and speed of access to everything that have changed. And flying, with its various hiccups and uncertainties, seems jarring and anachronistic in comparison.
"I wonder if that is what makes us so fussy and impatient when it comes to the rare occasion — such as getting on a plane — when we have to leave the controls to someone else and are at the mercy of forces (other humans) who haven't been bookmarked in advance."
He also has some insightful observations about the fact that outside of North America and Western Europe – i.e. in most of the world – no one expects most things to go smoothly or quickly, and they remain much more patient. We could probably all learn something from that. It tends to leave you open to the little wonders of life. Or at least to some quality people watching.
By the way, my travels take me to San Francisco and Denver/Boulder next week, so if anyone fancies meeting up for a coffee or a beer let me know.


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Norton AntiVirus 2014 is the latest version of Symantec's very complete antivirus engine, which offers on-demand and real-time scanning, behavioral monitoring, browsing protection and more.
The most visually obvious change is the enhanced Norton Identity Safe, an excellent password manager. An improved form filler now supports drag and drop, you can search for logins directly from the toolbar, and the interface has been revamped in general. We're less sure about the new look - it seems more obtrusive than the old one, more complex - but there's also some useful new functionality here.
Elsewhere, the core of the program looks and feels much like the previous edition. That's not really a problem, though, as the interface is generally clear and straightforward; most key options are just a click or two away, while there are plenty of more advanced settings available for those who need them.
Symantec say that protection is more effective though, with their behavioural protection engine SONAR seeing significant improvements, while enhanced repair capabilities use various Internet-connected resources to do a more reliable of cleaning up after an infection.
We've not run detailed tests yet, but there are also good reasons to believe that Norton AntiVirus 2014 will see performance improvements. Benchmarks of Norton Internet Security 2014 reveal that it both starts more quickly, and is more lightweight, saving around 100MB RAM during scanning, and we would hope to see at least some of that improvement also visible in Norton AntiVirus.
What's new in v21.6?
- Norton Toolbar update to support the upcoming Google Chrome policy change that discontinues the use of NPAPI (Netscape Plugin API) technology
- Norton Product update to support Windows 8 UNP (User Not Protected) feature
- 64 bit Chrome support for Norton Identity Safe
There are no dramatic changes here, but Norton AntiVirus 2014's improved detection and repair abilities are welcome, and its enhanced password manager is also useful.


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Rebirth - An Exhibition of Paintings by Nabanita Ray & Rajendra Ray @ Pegasus Art Gallery
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More than 80 people gathered at Mt. Zion AME Church on Saturday to wrestle with questions of equality, justice and the future in the wake of George Zimmerman�s acquittal in the killing of Trayvon Martin last year.
CRESTVIEW � More than 80 people gathered at Mt. Zion AME Church on Saturday to wrestle with questions of equality, justice and the future in the wake of George Zimmerman�s acquittal in the killing of Trayvon Martin last year.
The �We are Trayvon Martin� town hall meeting was co-hosted by the Okaloosa County Branch of the NAACP, Blacks in Government, the Okaloosa County Democratic Black Caucus and community leaders.
Sabu Williams, president of the local NAACP, guided the discussion with questions on the trial, its effects on the black community and visitors� experiences.
Larry Boldin, one of a seven-member panel, said he wasn�t surprised at the not guilty verdict. He had hoped Zimmerman would be convicted of manslaughter.
Lawyers, jury instructions and laws can hold sway in court, he said.
�I do think there is some truth to the idea that not all life in America is valued the same,� Boldin said.
Martin had a right to defend himself from a person who was following him, said Decarlo Garcia. The only person who didn't have a right was Zimmerman, he said.
�I�ve never seen a victim chase after a suspect,� Garcia said.
Martin did what any person would do if someone was following him, Robert Hills said. The case should have been ironclad; they had an attacker at the scene, a weapon and someone killed, he said.
�When I hear America try to quantify that a person can be killed and no one is at fault, I have a problem with that,� Hills said.
Several visitors at the meeting said they have been racially profiled by law officers.
All African American parents discuss with their children how to deal with law enforcement, Williams said. He said he has told his sons to keep their hands visible and mouths closed.
�I can�t help you if you�re dead,� Williams said he remembers telling them.
Hills said the Martin�s death hasn�t changed what he has told his 9-year-old son about standing up to bullies or attackers. When his son questioned a proper response to an attacker, Hills told him to find a peaceful solution, and if there was none to stand his ground.
Many agreed that Florida�s �stand your ground� law was necessary but needed more clarity.
�Let people be responsible for your actions when you use this,� Lewis Jennings said.
However, Boldin feared the law would give someone an opportunity to provoke him into a fight and then use the law as a defense.
�If I�m not living, (that person) will probably walk,� Boldin said.
Many of the issues surrounding the case can be resolved at the legislative level, Jennings said.
�We don�t get out and vote,� Jennings said. �If we do vote, we don�t hold the people we vote for responsible.�
Williams promised to schedule a meeting with state Senate President Don Gaetz. He also called on visitors to sign a petition asking the U.S. Department of Justice to bring civil rights charges against Zimmerman.
He also asked the group to send support to the Dream Defenders. That group is protesting in the Florida Capitol until Gov. Rick Scott calls a special session to repeal the �stand your ground� law.
Williams also said they must stay passionate and involved with politics and the law.
�We make a lot of plans. We get angry and then we calm down.�


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Marette invites you to step back into an era of grand celebration and ultimate glamour. Named after our founder's family home, which has played host to many a good party, Marette means 'Star of Sea' and is destined to become a leading light in our collection.
This charming setting of pavé topaz stones and rhodium, black rhodium, or rose gold plated Sterling Silver frames a lustrous Freshwater pearl.
Packaging & Warranty
Each Jersey Pearl piece is guaranteed for two years and will arrive beautifully packaged in a presentation box along with our micro-fibre pouch which is handy for both storing your pearls and cleaning them.
Pearl Quality
Our Crown standard pearls have excellent lustre and surface quality. Our Signature standard pearls have very good lustre and a lightly spotted surface.
Pearl farming is wonderful for the environment but under threat from climate change. We offset the carbon footprint of our jewellery and packaging by funding green energy projects in partnership with the CarbonNeutral Company.
Enjoy same day delivery across Jersey for all orders at no additional cost*
*selected items only and orders placed before 2pm Monday – Saturday.


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Crooked NBA Referees: Ref Admits He Cheated (Calling Fouls On Allen Iverson On Every Play & Cheated For Kobe Bryant To Win) [20 Min]
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part#JANTXV1N5802US is available, use the request quote form to request JANTXV1N5802US price and lead time.
Buy Electronic Components at electronics-chip.com. we are an independent stocking distributor of electronic components with extensive inventory in stock. Now 2,313,176 items is Ready to Ship.
3,574,285 electronic components can be shipped in short lead-time.The price and lead time for JANTXV1N5802US depending on the quantity required, availability and warehouse location.Contact us today and our sales team will send you quotation soon.
Email: firstname.lastname@example.com


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Fluker's Freeze Dried Buffet Blend for Adult Bearded Dragons size: 2.9 Oz
$4.65 $4.99
A perfect blend of freeze dried crickets, mealworms and pellets with a unique texture that beardeds actually eat! Vitamin enriched formula for adults under 7.Fluker's Adult Bearded Dragon Buffet Blend is a combination of vitamin fortified pellets, freeze dried crickets, and freeze dried mealworms. This unique blend ensures that not only will your pet love to eat it, but also, your pet will receive the proper balanced of essential protein, fat, vitamins, and minerals. Ingredients: Freeze Dried Mealworms, Freeze Dried Crickets, Corn, Chicken Meal, Tomato Pomace, Corn Gluten Meal, Fish Meal, Poultry Fat, Soybean Oil, Fish Oil, Coconut Oil, Fructose, Calcium Carbonate, L-Lysine, Salt, Dl Methionin, Dicalcium Phosphate, Kelp Meal, Spirulina Algae, Marigold Extract, Canthaxanthin, Lactobacillus Acidophilus Fermentation Product Dehydrated, Streptococcus Faecium Fermentation Product Dehydrated, Dried Bacillus Subtilis Fermenation Extract, Saccharomyces Cerevisiae Fermentation Product Dehydrated, Saccharomyces Cerevisiae Fermentation Product Dehydrated, Choline Chloride, Natural and Artificial Flavors, Vitamin E Supplement, Calcium L-Ascorbyl-2-Monophosphate (stabilized Vitamin C), Ferrous Sulfate, D-Biotin, Yucca Schidigera Extract, Zinc Oxide, Manganous Oxide, Niacinamide, Vitamin B12 Supplement, Mixed Tocopherols, Rosemary Extract, Copper Sulfate, Calcium Iodate, Vitamin A Acetate, Beta Carotene, Calcium Pantothenate, Sodium Selenite, Folic Acid, Riboflavin, Pyridoxine Hydrochloride, Thiamine Mononitrate, Natural and Artificial Colors, Menadione Dimethylpyrimidinol Bisulfite (source of Vitamin K), Vitamin D3 Supplement, Cobalt Sulfate. Guaranteed Analysis: Crude protein (min) 29%, ash (max) 8.5%, moisture (max) 9.5%, crude fat/oil (min) 6%, crude fiber (max) 5.5%, calcium (min) 1%, phosphate (min) 2% Size: 2.9 Oz.
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By now you must have seen the box art for the Game of the Year edition of Batman: Arkham City.
It's pretty much the worst thing ever, stuffed with superfluous quotes in giant red text that almost make the whole thing seem like one big parody.
Well here's a better parody. The fine folks at IGN have whipped up their own take on Warner Bros.' upcoming rerelease. And it adds some much-needed improvements to the Dark Knight's new box art.
Check it out below.


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COMING HOME — Hello from an altitude of 34,000 feet. We're in an airplane somewhere over the Atlantic, headed back to Texas, which I may never leave again.
The weather up here is beautiful and almighty cold. I could be looking out the window at many miles of splendid sky-and-cloud sculpture on this bright afternoon. But all the other passengers have their window shades down and the inside of this airplane won't be any darker at midnight.
Some are sleeping, some are watching movies. I'll be scowled at if I keep my window open and let sunlight in the cabin. So I've lowered the shade and pulled out my notebook. Let's see what's in it that I haven't already told, about this crazy trip that began back in early September.
First of all, I've had a few e-mails from customers saying I'm getting mighty uppity, going to London on an ocean liner, and cruising around the French countryside. One said I ought to remember where I came from.
Well, don't worry about that. I have started calling this trip the Journey Unto Bankruptcy. In another few days — if this airplane performs as advertised — I'll be back where I came from, sitting on the front porch in Washington County, and feeling flat broke.
Which reminds me that when we were in London I had what for me was a unique experience — my first English afternoon tea. How is that for uppity? My partner talked me into this. She said it might do me good.
I've never understood why anybody would want to eat a lot of sandwiches at 4 o'clock in the afternoon, when supper is coming up in another couple of hours. It was explained to me that after the British have tea, they eat a very light evening meal. So afternoon tea is a healthful tradition. Fair enough.
In the hotel where we went to partake, I told the waiter I don't like tea so would he bring me a short beer instead. And he did, too, but his expression suggested he might be carrying a stink bomb on his tray.
I can now tell you about the best meal I had on this trip. In a normal week at home I eat chicken three or four times, and I was tired of it. But 10 days after we left I was ready for chicken again. Couldn't find it on a menu, though. Duck, almost anywhere. Fish, lamb, beef, pork. But no chicken.
Finally, a month into the journey, we walked into a small restaurant in the town of Bouliac, just west of Bordeaux, and found roast chicken on the menu. For me that was the trip's best meal, the same dish I get frequently at home. With mushrooms.
Now here's a line in my notebook that says we spent two nights in a barn. That's true. Part of a barn, anyway, called a granary, converted into a bed and breakfast. And we slept in a gristmill, that I told you about last week. Then in the city of Pau we were in a hotel so modern we had to call the desk to find out how to turn on the shower.
Terrorist threats. We were in France maybe two hours when we heard that the U.S. government was issuing warnings to American travelers. We were supposed to take precautions. Local citizens, when asked, would shrug. Or they'd say they hadn't heard about it.
I've not been cautious about terrorism, but my partner has. She is cautious enough not only for both of us but for an entire bus load of tourists, so I figure we were covered.
In the city of Chartres we found ourselves in the middle of a street protest by high school students. They gathered in front of our hotel, hundreds of them, blocking traffic, shouting, blowing horns.
Police stood by, watching but not interfering. We were told the demonstration was in support of labor unions which are protesting a proposal to raise workers' retirement age. The French take their public protests very seriously. Schools were closed, and the students appeared to enjoy protesting. Lots of laughter. Reminded me of one of our Friday night football crowds.
Finally here's what I liked most about the entire trip: the temporary friendship that springs up among travelers. People, that is, who would never have met if they'd stayed home. But they're almost forced into conversation at dining tables and in airports and on ships and in the crowded lines and groups that all travelers endure.
We don't have last names because they were seldom given but we remember Martin and Francelle from London. Hugh and Leslie from Australia. Paula and Peter from somewhere in England. Rick and Nancy from San Francisco, but now running a hotel in Montmirail, France. Nathalie and Fabrizio from Belgium. Janine from Singapore.
And others whose names have faded. But we still have their faces, some in photographs. These are good people that were important in our lives for a brief time. Talking about them gives us a tug of sadness, since it's almost certain we'll not see them again.
So, our journey is about to end, and we'll be getting back to domestic matters. Such as how much it'll cost to bail the dog out of the kennel, and whether I still have time to plant turnip greens this fall.


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Walter scores in second overtime to give Miami second MAC regular-season title
MOUNT PLEASANT, Mich. – Miami University freshman Haley Walter scored 30 seconds into double overtime to lift the RedHawks to a 1-0 victory over Central Michigan Friday afternoon at a cold and damp CMU Soccer Complex, clinching Miami at least a share of the 2012 Mid-American Conference regular-season title.
The RedHawks (15-2-0, 9-0-0 MAC) defeated the Chippewas (11-5-1, 7-2-0 MAC) for the first time since 2007 (seven meetings). Miami won in Mt. Pleasant for the first time since 2001 while snapping CMU's 38-game home unbeaten streak dating back exactly four years ago to a loss to Toledo. Miami is still perfect on the road this year at 9-0-0, as well, which is a program record, as is the team's active 10-game win streak.
The 'Hawks remained unbeaten in MAC play, their best start in program history, and now sit six points ahead of CMU. The win clinched Miami the No. 1 seed in the upcoming MAC Tournament while the RedHawks need just one point (win or tie) against Bowling Green Sunday to secure the regular-season crown outright, which is the second regular-season title in program history (2002).
"First I have to give credit to Central Michigan, who is a well-coached and terrifically talented side," head coach Bobby Kramig said. "They tested us like no other team has tested us thus far and I feel very fortunate to have come of this game on top."
The match was tightly contested, as expected in a battle of MAC division leaders, with neither side able to generate many chances early. The Chippewas appeared to score in the seventh minute but it was waved off because CMU was offsides. Miami had chances later in the half, but couldn't score and held a slight, 4-3, edge in shots over the first 45 minutes with CMU goalkeeper Stefanie Turner making a pair of saves.
"I thought we played well in the first half and I was a little disappointed we didn't get a goal or a few more good chances," Kramig said. "The second half, Central put us under tremendous pressure for the first 25 minutes and we were fortunate to come out of that without giving up a goal. However, we settled down and began stringing some passes together to finish the half really well."
The second half saw the match open up a bit with Central Michigan controlling play and putting the RedHawks under pressure. In the 60th minute, sophomore defender Emilee Kaminski (Saline, Mich.) kept CMU off the scoreboard as she cleared a ball off the line while a minute later, Danielle Rotheram hit the post for the Chippewas. Walter (Cincinnati, Ohio) then missed an open net in the 78th minute as she just struck the ball wide.
Stuck in a scoreless deadlock, the contest went to overtime. Redshirt sophomore Allison Norenberg (Palatine, Ill.) stopped both shots that came her way in the first extra session while Miami took just one shot as the match went to a second overtime.
With darkness setting in, the RedHawks were finally able to break through. Just 30 seconds into the second overtime, Walter gathered the ball on the right flank and used her speed to get behind the defense for a breakaway. Turner immediately came off her line to meet Walter at the corner of the box but Walter fired her shot before the angle was cut down, slotting it past Turner to earn the win and lock up the MAC title.
"It was just a fantastic effort on the part of our team. I am beyond proud of them right now," Kramig said of the win. "We've worked really hard since the end of last season to put a team culture in place that would allow us to make the most of the talent we have. It's very gratifying to have all that work pay off."
The Chippewas finished with 15-14 shot advantage while both teams earned a pair of corner kicks on the day. Walter and junior Katy Dolesh (Chardon, Ohio) paced Miami with four shots each. Norenberg made six saves to earn her seventh shutout of the season (second straight), which ties for second in school single-season history, while it was her 11th career clean sheet, which ranks her second in school history by herself. Turner totaled five saves on Miami's six shots on goal for CMU.
The RedHawks look to clinch the MAC title outright when they return home to host Bowling Green Sunday at Miami Soccer Field at 1 p.m. By earning the No. 1 seed in the MAC Tournament, Miami would host the semifinals and championship Nov. 2 and 4 as long as the RedHawks win their quarterfinal contest next Sunday.


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Problem 1: Wet Avalanches
Distribution: All aspects below 4000'. Size: Small to Large. Likelihood: Likely. Sensitivity: Reactive.
The freezing level has been as high as 5000'+ in the past several days. Warm temperatures and/or heavy rain on snow can cause wet avalanches - both Wet Slab and Wet Loose, and they could be LARGE (D3+ is possible).
Problem 2: Persistent Slab
Distribution: All aspects above Treeline. Size: Small- Large. Likelihood: Possible. Sensitivity: Stubborn.
Description: 3/19-22 numerous natural and skier triggered LARGE (D3) avalanches. Our observations are limited regarding the persistent slab concern, but we continue to find evidence above 3500'. We have buried weak layers (Facets) from 3/9, 3/20, and 3/22.
Problem 3: Falling Cornice
Distribution: Primarily ridges above Treeline. Size: Small- Large. Likelihood: Possible. Sensitivity: Stubborn- Reactive as temperatures and direct solar input increase.
Description: The advisory area has significant cornice formation in the alpine - keep your distance! As the temperature increases and/or weight is added (rain/snow or humans), they're much more likely to fail. Cornice failure can triggering other avalanche concerns.
Problem 4: Glide Avalanches.
There are open cracks from the port to 42-mile between 1000-4000' on multiple aspects; but predominantly on solar aspects. There has been much more glide activity through the main part of the winter than normal and they're now more active as the temperatures rise above freezing . Glide cracks can release at any time and are not associated with human triggers. The best way to manage this problem is to limit (AKA avoid) travel underneath and beside them.
Please share your field observations including signs of stable snow HERE.
The most recent NWS rec Forecast can be found HERE:
The Thompson Pass Mountain Forecast covers the mountains (above
1000 ft) surrounding Keystone Canyon through Thompson Pass to
Worthington Glacier.
Tonight Fri
Temp at 1000` 31 F 46 F
Temp at 3000` 28 F 30 F
Chance of precip 0% 0%
Precip amount
(above 1000 FT) 0.00 in 0.00 in
Snow amount
(above 1000 FT) 0 in 0 in
Snow level 1100 ft 1500 ft
Wind 3000` ridges W 5-10 mph N 5-10 mph
SNOWPACK BIG PICTURE: Below 3000' the snowpack is rapidly diminishing in depth and continues to move toward becoming isothermic. Above 3000' on solar aspects, the snowpack surface continues to freeze overnight and warm up above freezing during the day. Surface conditions on northerly aspects above 3000' vary from powder to firm and chalk-like. Dig and test for weak layer/s in the snowpack. When the temperatures are above freezing expect avalanche hazards to increase.
Recent snowpack history, from top to bottom:
March 16-24: An atmospheric river dominated the forecast with light winds, steady rain in the lower elevations, and accumulating snow in the upper elevations. 4" of rain (SWE)! Below 3200' the snowpack is diminishing. 4+ feet of new snow is accumulating in the upper elevations. There was reports of natural and human triggered slab avalanches during this time period and numerous small - large wet loose and wet slab avalanches in steep, low & mid-elevation terrain.
March 7-16: A consistent series of gulf lows produced slow and steady precipitation. 2.4" SWE in Valdez, and 3.1" at Thompson Pass which produced up to 3' of new snow above 3000'. There has been light-moderate south and easterly winds loading north and west faces slightly more than east and south faces. There were no reports of natural slab avalanches during this time period, but numerous small wet loose avalanches in steep, low elevation terrain.
Feb 22-March 7: Calm high pressure with overall warm temps (40F in town on multiple days) and only a few hours of moderate north winds. There have been no signs of the Jan 23rd persistent weak layer in the maritime region. There has been widespread surface facet formation; especially further north/interior.
Feb 20-22: High N-NE winds, rapidly transporting any available snow (70mph gusts). In certain places the wind built new slabs and alternatively stripped all the new snow back to old layers and rain crusts.
Feb 16-18: Over 2" SWE and 2' of snow with little wind.
Feb 7-14: Nearly 0" new snow and building north winds (70mph NE gusts on Feb 14 at Thompson Pass.) Widespread surface hoar growth up to 6mm. In windy locations, and close to the pass, most of this surface hoar has been knocked down. A 'drizzle crust' formed near the pass up to 5500' and was observed buried 55cm down on Loveland at 5000' (on Feb 20.)
Feb 3-6: 0.7" SWE and 8" of snow from Valdez to Thompson Pass. 8" of new snow was recorded at 5500' on Catcher's Mitt. Freezing level was sea level throughout this cycle.
Jan 30-Feb 1: Natural avalanche cycle on all aspects above 3000', up to size D3. Most ran on buried surface hoar (Jan 23rd layer).
Jan 28-30: 2" SWE in Valdez, moderate winds, freezing level 1000'.
Jan 23-25: Multiple days of warm and wet with periods of rain up to 2500' which buried the Jan 23rd Surface Hoar layer.
Jan 13-22: Mostly clear, cold, and dry with light to moderate north winds. Widespread Surface Hoar growth (up to 15mm) and Near Surface Faceting.
Jan 12-13: 3-10" of new snow with little wind.
Jan 4-12: VERY cold and dry: moderate winds and wind chill reaching -50F. Pockets of surface hoar and widespread near surface faceting.
Dec 30-Jan 3: The New Year's Eve storm brought nearly 2.5" of SWE to Valdez and almost another 1" (SWE) on the 2-3rd of January. The rain line was 1200' during the Jan 2-3 storm, forming a 1-3" crust locking up all the snow beneath it. These storms accumulated over 3' above 2000' near Thompson Pass. Both of these storms had little wind.
If you get out riding, please send in an observation.
Do a rescue practice with your partners. Always carry a beacon, shovel, and probe, and know how to use them.
Practice good risk management, which means only expose one person at a time to slopes 30 degrees and steeper, make group communication and unanimous decision making a priority, and choose your terrain wisely: eliminating unnecessary exposure and planning out your safe zones and escape routes.
Please consider supporting our friends conducting research!: http://communitysnowobs.org/spring-palooza/
Share your field observations with the community HERE.
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When it comes to marketing the iPad internationally, Pakistan is not high on top of Apple's list.
In the troubled South Asian country, piracy is rampant and much of the population struggles to afford basic rations, let alone the luxuries of a personal computer wannabe.
Still there is an audience for Apple products in Pakistan. The country's young population has created a black market for iPhones, iPods and even iPads.
Apple openly sells its product in neighboring India -- Pakistan's main political and economic rival.
The problem is because Apple does little to no official business in the country, the after market cost for a tablet computer in Pakistan is out of the reach of most.
That's where the Pakistani military comes in.
The national organization does more than just protect the country's sovereignty in Pakistan. The military is intimately involved within Pakistan's political and economic structure.
The military's latest project is putting an affordable Android-powered tablet computer into the hands of the masses in Pakistan.
The Pakistan Aeronautical Complex, one of the largest manufacturing facilities in the world, is building a 7-inch tablet called the PAC-PAD with Hong Kong-based Innavtek.
"It's about using spare capacity," Sohail Kalim, PAC's sales director, told Associated Press. "There are 24 hours in a day, do we waste them or use them to make something? The profits go to the welfare of the people here. There are lots of auditors. They don't let us do any hanky-panky here."
The pad is an entry level tablet that features a 1 GHS processor, 256 megabytes of RAM and it comes with a hard drive between 2GB and 16 GB.


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DS Podium Lady Automatic 29mm
Reference: C001.007.11.113.00
Diameter: 29.00 mm
The modern face of a timeless classic: These ladies' models with their graceful 29 mm case and especially comfortable bracelet are a perfect fit for small wrists as well.
EUR 670.- Recommended retail price (incl. VAT)
Case: DS Concept Stainless steel 316L See-trough case back
Bezel: Stainless steel 316L
Glass: Sapphire crystal Antireflection treatment on both sides
Dial: White Mother of Pearl Roman
Movement: Swiss Made Mechanical, automatic winding
Water resistance: Up to a pressure of 10 bar (100m)
Bracelet: Stainless steel 316L
Buckle: Stainless steel 316L Butterfly clasp with 2 push-buttons


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Earlier this week, we were treated to the man who designed the Viper reminding everyone that the talking sack of offal with the dead ferret on his head we call "Donald Trump" was full of shit. Especially about his fiction-land ideas of Jeep production and China.
To anything with an IQ above that of drywall, this wasn't exactly a shock, but it's great to see someone actually in the auto industry so boldly and simply call out that microphallused blowhard.
In fact, we were so taken by Mr. Gilles' shit-content-level identification skills, we decided to provide this handy transparent PNG of him identifying shit-filling so you can apply it to all those images that need their full-of-shit statuses identified.
We even have a Tumblr reserved just for these handy public-service images right here.
Have at it!


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Regali per bambini - Idee regalo MINI regalo mini
High quality Regalo inspired Mini Skirts by independent artists and designers from around the world. Available in a variety of sizes, mini skirts on Redbubble are slinky and stretchy with full prints across both the front and back. All orders are custom made and most ship worldwide within 24 hours.


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Blue Bottle Coffee Lab – Dripper Brew Class – Palo Alto
Saturday, August 18, 2018, 1:00 pm - 2:00 pm
456 University Ave, Palo Alto, CA 94301
Get ready for an intimate, hands-on class led by one of Blue Bottle's expert baristas.
Learn to make a delectable cup of pour over with the all-new Blue Bottle Coffee Dripper. At the end of the class, you'll receive a bag of beans to test out your new knowledge—on us.
Click here to reserve your spot.


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Lucky editor in chief Eva Chen is finally speaking out about the magazine's controversial December/January cover that has everyone asking, "How did they make Kerry Washington look like, well, not Kerry Washington?"
During an interview with WWD, the social-media-savvy editor defended what some people are calling an unflattering picture of the "Scandal" star.
"I realize that when you put something on social media, it's meant to be a conversation," she told the publication. "I'm still pretty new to this [being an editor in chief]. It's only been four months, but I've been active in social media for a while now. Anything on social media is up for debate."
MUST READ: Kerry Washington Doesn't Look Herself On New 'Lucky' Cover
MUST READ: Kerry Washington Brings Her Baby Bump To 'Ellen' & Dishes On 'Scandal' Storylines
She went on to say that Anna Wintour, Vogue editor in chief and Condé Nast's artistic director, approved of the cover selection.
"Anna as the artistic director was definitely aware of our cover selection and was very supportive," Chen said. "Anna always provides me with guidance. As editor in chief, it comes down to my decision — and Anna agreed."
Despite all of the naysayers, the new editor in chief concluded things on a positive note. "Conversation is a good thing," she stated.
Check out footage from the cover shoot below and tell us your thoughts on Kerry's look in the comment section.
LIKE HelloBeautiful On Facebook!
Kerry Washington Stays Winning! Actress Shines On Cover Of People Magazine
Kerry Washington Was Absolutely Hilarious On 'SNL,' But She Was The Butt Of Her Own Jokes [RECAP]
Check Out This Gallery


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(C) Copyright 2001-2013 - Blue Star Jets, LLC, A Private Jet Charter Brokerage Company, All Rights Reserved.
All flights are operated by Part 135 carriers. Operators providing service for Blue Star Jets clients must meet standards set forth by the US Federal Aviation Administration (FAA). BSJ does not manage or operate aircrafts on behalf of our clients. We will assist our clients in finding the best operators for aircraft.


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Sitting in a lonely press room Wednesday afternoon at the Morningstar Investment Conference (I'm the second reporter to arrive—the first, impressively, came here all the way from Taiwan) soon before the annual gathering kicks off, a table full of investment literature catches this reporter's eye.
A dizzying array of fund data, newsletters on a wide range of investment topics and research reports are on display. With pride in my news instincts, I look for the research report with the latest date, and am disappointed, initially, that it is no more recent than January—half a year ago.
My journalistic emotions recover when I note the seeming contradiction between the premise of the paper—that systematic withdrawal programs such as the famed 4% rule make little sense in a low-rate market—and this very day's lead story in The Wall Street Journal.
Almost breathlessly, The Journal's lead sentence begins, "The tectonic plates of the world economy are shifting, moving the yield on the 10-year Treasury to the highest level in more than a year and shaking financial markets from Tokyo to Mumbai and Johannesburg to Sao Paulo."
The story is all about what turmoil is in store for a world returning to the old normal.
While one of my research report's authors, Morningstar's David Blanchett, is somewhere on site, I've got another author, Texas Tech finance professor Michael Finke on speed dial. (A third author is the American College's Wade Pfau.)
I hasten to notify Finke of the financial terror gripping markets and ask if he still stands by the findings of his 15-page report or if new higher rates change the game for savings and retirement withdrawal rates.
Calmly, Finke walks me off the brink of committing sensational news.
"It doesn't seem as if there is any market factor that would drive real rates upward," he tells me.
The reason is beyond the short-term ups and downs of the market. It is a fundamental demographically driven shift in demand for financial instruments that are keeping rates low, Finke advises.
"The Fed has this really fantastic chart in one of Ben Bernanke's most recent presentations. He was showing real rates for different industrialized countries in the last 10-20 years. They really tracked each other really well despite the different fiscal and monetary policies of each country," he says.
In other words, the recent period of low bond rates will continue indefinitely as a result of peak demand for investment products across the globe that are driving real returns on bonds and stocks down.
An older age cohort in Europe, North America and Asia are at a life stage where they need to save, meaning that it is "not realistic," he says, to expect historical rates of return "any time soon."
The Blanchett, Finke and Pfau study thought an initial withdrawal rate of 2.8% over a 30-year-time horizon was far more realistic than the classic 4% rate, with a (only) 50% probability of success. That low rate will necessitate boosting savings on average by 42.9% if the retiree wants to generate the same income expected under a 4% rate.
The recent boost in interest rates does not change that.
"We assumed in that study that real rates were going to drift back up," because it is hard to imagine them going any lower than they were in recent years.
So despite the recent volatility in markets, advisors should beware: Their clients need to save longer and harder.
Check out complete coverage of the Morningstar Conference at AdvisorOne's special landing page.


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Before first use every day
SoftShells™ should be sanitized once a day. For both Inverted Nipple and Sore Nipple Kits.
If you have just used the SoftShells, the foam inserts must be cleaned separately before sanitizing. Squeeze the milk out of the foam, then rinse them twice with clean cold water. Dry them by squeezing between a clean cloth or paper towel. Separate and place the silicone back and dome in a small pan filled with cold water. Distilled water is recommended. Bring the water to a boil and allow it to continue boiling for approximately 10 minutes. Drain off the water and place parts on a clean cloth to dry.
For Quicker Cleaning
Medela offers Quick Clean™ Micro‑Steam™ bags for daily kit disinfection and Quick Clean wipes for cleaning before and after each pumping session. Shells and backs can be put in the top rack of a dishwasher or an autoclave. Do not place foam inserts in a dishwasher, Quick Clean Micro-Steam or autoclave.
Between uses during the day
If you are leaking, special care must be taken to avoid the build-up of dried breastmilk on the shell parts and in the foam inserts. If the foam inserts become saturated, separate the shells, backs and inserts. The shells and backs should be washed with a mild soap or detergent in warm water, rinsed thoroughly in cold water and dried. Squeeze the milk out of the foam, then rinse them twice with clean cold water. Dry them by squeezing between a clean cloth or paper towel.