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Q Towers
The Yakima Q Towers provide roof-rack access to vehicles without pre-installed rack mount rails. Designed for use with Yakima's round bars, these towers can be paired with vehicle-specific Yakima Q Clips for a customized fit on almost any vehicle. SKS lock cores are available separately and easily installed to secure the rack to your vehicle.
- Made to fit vehicles with or without rain gutters
- Vehicle-specific Q Clips for mounting sold separately
- Compatible with Yakima round bars
- SKS lock cores sold separately
- Item #YAK0148
- Part Number
- 8000124
Tech Specs
What do you think about this product?
September 7, 2017
Sturdy Supports
- Familiarity:
- I've put it through the wringer
I have these on my 2012 Scion XD and they work perfectly and are super secure. I have used these in conjunction with the Thule Canyon XT roof rack and the two pair perfectly together. The only advice I have on this is to make sure you measure where they go on the bar exactly, if you are off by just a bit it is nearly impossible to get the towers to ratchet down correctly.
Patrick Boner
June 23, 2017
- Familiarity:
- I've put it through the wringer
I love how I can use all my Yakima accessories with them. No need to get new systems. I can still use my round bars, hully rollers, ski & bike racks for the price of the q towers. Yakima does it right!!!
Daniel Maus
May 31, 2017
A solid base
- Familiarity:
- I've used it several times
The Yakima Q Towers provide a very solid foundation to your rack system. They attach easily when paired with the correct Q clips and lock the load bars tightly. I have not seen any slippage on the roof nor have I had to adjust these after the initial installation.
Cornell Brown
April 28, 2016
Tried and true
- Familiarity:
- I've put it through the wringer
The q-tower system by Yakima has been around for a long time. Simple and easy to work with. Does it look as sleak and cool as some others? Nope, but functions like a champ. I've purchased several sets for several different cars. Be sure to by your locks when you buy these.
February 20, 2015
Yakima Q Tower
Now any car in the caravan can sport a Yakima roof rack. The Q Tower features 4-way movement for a solid fit no matter how extreme the curvature of your roof.
Jon Bullinger
January 6, 2014
Great for cars without factor bars!
- Familiarity:
- I've used it several times
Just got these for the Civic, they work great! I also got the Q clips to attach them to the car and am using a set of old round cross bars that have been sitting in the garage for several years. The set-up is perfect! We attach a cargo box and ski rack to them, not complaints so far. I wish this pair came with locks, so someone can't steal your whole set-up, but no complaints other than that.
Lauren F.
December 28, 2013
Good option for cars w/out factory rails
I recently put together and installed the Q-tower rack system on my Subaru Legacy sedan, which did not have the factory rack mounting points in the roof rails like most newer Subarus. I definitely prefer a rack setup that uses built in mounting points rather than the Q-towers, but they are a perfectly good option when the former are not available. Installation was straightforward other than being a bit annoying running back and forth to get the spacing and tension balanced for each bar. No complaints since getting them installed, they've been solid and quiet even with ski racks and skis on highway trips. Note that this set of Q-towers includes 4 end caps for the round bars, so no need to buy those separately.
John Meier
September 27, 2013
sturdy roof rack base
- Familiarity:
- I've put it through the wringer
These towers are a great economical way to mount a roof rack on your car with a bare roof. They're sturdy and easy to install when you need the rack on and easy to take off for when you're wanting to save your gas mileage.
Bob G.
March 20, 2013
Solid rack system
Danny M H
March 20, 2013
Solid roof system
I really like the round bar of the Yakima racks because there are a lot of after-market companies that make compatible accessories and it allows certain accessories like the kayak and front bike wheel holders to be pushed down when not in use. We do not have the faring so it is a little loud but not loud enough to get the faring.
Danny M H
July 11, 2012
Solid Towers
The Q Towers are solid and hold Yakima round load bars securely. You can install these and forget about them until the next time you need to move your rack. Be sure to pick up the correct Q Clips for your vehicle and some locks.
Chad Cordell
May 13, 2012
2010 VW Tiguan - Closer View
4 Q-Towers, two 58 inch Round Bars, two Frontloader Bike Mounts, 44 inch Fairing and 8 SKS Lock Cylinders. Two hour setup. Looks and fits great. Will upload more when the bikes are on top.
Wes Green
May 13, 2012
Very satisfied so far
Great so far, just make sure you follow the instructions and do the correct measurements. This is the only rack that will fit a 2010 VW Tiguan. Looks Great, couldn't be happier. Get the Fairing it will save you lots of wind noise.
Wes Green
December 13, 2011
Rust and paint problems
in their defense it could be that i drew a bad pair. hopefully they've fixed them since i last purchased. i wont buy yakima again with this quality- they've already got me once.
Ben P.
October 9, 2011
rack em
Martin E.
September 29, 2011
YAKIMA - Q Towers
I have a mazda 3 and these fit perfectly. They are high enough so you don't have to angle your rack as I had to do in my previous car.
September 23, 2011
Really Impressed
Installed these in about an hour and a half on my '00 Maxima. Really impressed by how sturdy they feel. Yakima really did their homework. The rubber pads between the tower and my car should do a decent job of keeping dirt and scratches away. 5 stars not because they're the perfect rack system, but because they work incredibly well on a car not designed for a rack. Obviously roof rails are better, but if you're rocking the naked roof, these should do the job :)
July 12, 2011
Yakima or Thule
I own both and find both equally well built. With either you need to purchase accessories to manage the gear and Load Stoppers are a base minimum if you intend to use them for anything generic. I use the racks for camping gear as well as hauling home project lumber and such. They have never let me down. I have more extensive experience with the the Yakima system and like the round bars as gear is easy to move as it slides freely on the round bars until it is tied down.
Liane S.
June 20, 2011
Work just like they should
Used these with the Fatcat6's on my Mazdaspeed6 for several months. The whole package works as it should, but aesthetically it's somewhat unappealing compared to competitor's offerings.
Ross Solomon
April 25, 2011
I love the Yakima roof rack look
Mike Midlarsky
January 5, 2016
Yakama Q tower set of 4 for $ 195.00 Does this fit a naked roof Toyota Avalon 2015 4 door If not what other parts are needed? Are you also selling Ski racks for 4 pair?
Walter K Zuercher
March 21, 2013
Does the Yakima Q Towers come with Roof...
Does the Yakima Q Towers come with Roof Rack Feet for your Naked Roof?
Jonathan F.
Arthur Debowski
March 22, 2013
They come with pads, stickers to protect the paint, but not with the Q-clips that have to be specific to your vehicle.
September 24, 2012
Will these fit my 2004 Honda accord 4 door?...
Will these fit my 2004 Honda accord 4 door?
Tamara E
Jonathan F.
April 7, 2013
Tamara, check out the Yakima website and select Fit My Car link. This will walk you through each component and accessory for your particular vehicle.
August 19, 2012
Hi, Bought a camper shell; has the tower...
Hi, Bought a camper shell; has the tower set on top! have removed them; they came off well! the key will not open the pins to place back on; what should I consider?
John Detwiler
Lauren F.
January 6, 2014
If you don't have the key to the lock or it isn't working, you can contact Yakima directly. If you give them the part # of the rack, they should be able to send you a replacement key that will work on it.
August 7, 2012
Will the feet of this product (Yakima Q...
Will the feet of this product (Yakima Q Towers) fit my 2002 honda civic 4 door?
Dave Marcus
August 8, 2012
Yes, if you select the correct feet. Yakima's website has a great tool that helps you figure out what you need.
March 14, 2012
Do I need a fit kit to put Q towers on a...
Do I need a fit kit to put Q towers on a 2007 Toyota Camry Hybrid (naked roof)?
Peter McMullin
Dave Marcus
March 14, 2012
You need two sets of Q Clips. One Q5 and one Q35.
January 11, 2012
dose this q tower work with a 2000 toyota...
dose this q tower work with a 2000 toyota tundra?
Nathan Belz
January 13, 2012
If you have a naked roof, the Q Towers will work with your Tundra - either 2dr or 4dr, it will work on both.
January 11, 2012
will this work for a 2000 toyota tundra?
will this work for a 2000 toyota tundra?
Jonathan F.
April 7, 2013
Mike, check out the Yakima website and select Fit My Car link. This will walk you through each component and accessory for your particular vehicle.
October 27, 2011
will these work for my 2007 vw gti?
will these work for my 2007 vw gti?
October 1, 2011
Will these work on my 2011 kia sportage?
Will these work on my 2011 kia sportage?
Mike C.
September 14, 2011
I have a dodge grand caravan 2011...which...
I have a dodge grand caravan 2011...which of the q towers do I need to order, along with what accessiories?
September 14, 2011
According to Yakima's website and their "Rack Finder"...there are no Q-clips for your vehicle. They may or may not make them in the future. As for the Q towers - there is only one kind, the Q-clips make them fit individual vehicles. But depending on what you have on the top of your car (totally naked or something up there)...you might find something else that would work. I'd check out Yakima.com or give them a call.
July 20, 2011
I have the older 105 q towers and have to...
I have the older 105 q towers and have to switch vehicles which requires a stretch kit. I have figured out at I need the 1106 stretch, but it is hard to find. Is it the same as the SST stretch, it seems to have the same model number 1106. Wasn't sure if the SST stretch will work on the 105 towers
Brian Smith
July 2, 2011
Hi there i have a honda 2004 element what...
Hi there i have a honda 2004 element what type of rack to i need to get thanks
May 24, 2011
I want to buy the Q towers to fit my 2009...
I want to buy the Q towers to fit my 2009 ford edge, nake roof top. which towers do I order as well as the Clips ? I have the locks and cross bars already? thanks in advance for the info, as I only want to order once and not have to return any product.
Russell Chang
Arthur Debowski
May 24, 2011
You will need the Q Towers and the Q102 (2 sets, front/rear) clips to makes these work on your car. Those are available here: http://www.backcountry.com/yakima-q-clips-1-pair-yak0074.
May 20, 2011
I have a 2006 f-250 ford extracab pickup...
I have a 2006 f-250 ford extracab pickup that I want to convert a Taylor Wing wind deflector from a box mount to a roof mount. Taylor representitive said you could help me out. It's a big wing 32" high X 60" long so it will have a lot oa wind resistnce. Will your product keep it on the roof ?
Dean Whitehead
May 21, 2011
I assume you wanna use the wing while pulling your trailer? I am no Yakima rep but I have seen these used for that no problem... as long as the Yakima setup you order is specifically designed for your rig, then I would say it will work fine... Just make sure that the mounting of the wing falls between the rail holders/towers, for support.
December 31, 2010
I own a Pontiac Vibe, 2009. WIll this roof...
I own a Pontiac Vibe, 2009. WIll this roof rack work on my vehicle? I plan to use it to carry my 10 foot Perception River Kayak.
Jason Livingston
January 1, 2011
It will work. Along with the Q-Towers, you will also need to purchase a set of 58" CrossBars and sets of Q83 and Q34 clips which are necessary to fit your particular car. In order to carry a kayak, you will also need to consider which accessory to by. As you most likely know, Yakima racks can carry anything from lumber to kayaks, to bikes. The best accessory for carrying a kayak is the BigStack. Or if cost is an issue the Kayak Stacker will work well. They both offer security and ease of getting the kayak on and off your car. Hope this helps...
October 25, 2010
I recently got a set of Q Towers for my...
I recently got a set of Q Towers for my subaru impreza sti 4 door. I measured everything exactly but am still having some issues putting them on? For starters - it feels like i am cranking them all the way down (evenly mind you) and they still have a little left to right wiggle when i use a lot of pressure. Is this normal? Or should they be completely solid? Also, when i do this the locks won't lock all the way? They are fine when everything isn't tensioned - but once it is they don't turn all the way. Any ideas?? Am i crazy??
Nicholas W.
November 2, 2010
This may seem like a stupid question - but do you have the crossbar running between them or are you setting them up first and planning on putting the crossbar through next? If you don't have the bar in there you'll just be able to crank way down on them. If you do, and you're still cranking way down, trying moving the towers a little further in (toward the middle of the car) on the crossbar and locking them in place there. Good luck.
July 16, 2010
Will these work on my 2003 Saturn Ion?
Will these work on my 2003 Saturn Ion?
Cory Guru
July 16, 2010
No, that is on Yakima's "no fit" list. I'd suggest contacting Yakima for custom installation options.
July 13, 2010
will these Q towers work on my 2008 chevy...
will these Q towers work on my 2008 chevy aveo?
chad Warren
Cory Guru
July 13, 2010
Yes these will work, but you will also need a set of Q-clips to match your vehicle. For the 2008 Chevy Aveo, you are looking at 2 pairs of Q05 clips- check them out at: http://www.dogfunk.com/snowboard/Yakima-Q-Clips-1-Pair/YAK0074M.html Q05 *Also for helping building your own rack, our rack configurator is posted above.
July 11, 2010
has anyone had car door rubber gasket...
has anyone had car door rubber gasket stretch and split from Q towers? i have a honda civic hybrid and this is happening after two yrs. of hauling my kayak. any solutions?
July 12, 2010
Hey Arlene, Im not sure if this is a problem related to the rack system. If you are hauling this around a lot of salt water, that can speed up the breakdown of rubber. You might wanna talk to Honda about it. But if you're thinking its a Yakima thing. Here is their contact info. (888)925-4621 Good luck! P.S- Armorall is a good rubber conditioner..I usually apply that to my doors every 6 months or so.
Jesse Lind
August 14, 2010
Unfortunately, the rubber pads are a wearable part. Ordering new ones from Yakima isn't difficult; just ensure to note which alphabet letter is stamped onto the pad before you order. Or better yet, remember which Q-Clip package you purchased should the Yakima tech (on the phone) as for specifics. Sorry for the bad news.


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The San Jose Earthquakes will host their second annual Going Green night on Saturday, May 1 when they take on the Colorado Rapids at Buck Shaw Stadium (BUY TICKETS).
The Earthquakes have teamed up with MLS W.O.R.K.S., the charitable arm of Major League Soccer, and the Natural Resources Defense Council to off-set the carbon footprint for energy used at the stadium that night.
The night will also feature numerous giveaway items. The first 2,500 fans will get a reusable water bottle. The first 5,000 fans will receive an eco-tip guide courtesy by the National Resources Defense Council and flower seed packets will be distributed to the first 4,000 fans, courtesy of America the Beautiful Fund. Also, select fans will receive an Eco-Metro Guide featuring discounts at local, sustainable businesses.
Fans who drive a Hybrid car to the game receive $5 off parking, while patrons who take VTA or Caltrain to the match will receive a $5 discount for a game ticket by showing their VTA or Caltrain receipt. Additionally, the Quakes will implement a new recycling program in conjunction with Odwalla beginning with the May 1 game.
The Quakes are also featuring a Go Green 4-Pack, four tickets and free parking for $60. This promotion lasts from Monday, April 19 to Friday, April 23 so call in today: 408.556.7700.

subset: commoncrawl


text: This petite fetish model has a classic hourglass figure in a small and sensual frame. Her soft natural breasts are often featured bound with rope, and she enjoys showing off her legs in a variety of stockings and high heels as well. A classic Asian beauty when dolled up, Sophia can also dress adorably nerdy when she slips on her big glasses and opens her favorite book. Rocking the dirty secretary is always a bundle of fun for her, and is almost as fun as her glamour and kinky modeling. Sophia has a full, lush, and meaty pussy, one she loves to tease for the camera, with both her fingers and with toys. See her perform for us here and also on Babes.com.


text:
Check in online
Find a reservation
Use your Flying Blue number
Find a reservation
With your reservation reference or ticket number
Ticket number containing 13 or 14 digits
Example: 0570011223344
Reservation reference number containing 6 characters
Example: ECQ123
Example: 0570011223344
Reservation reference number containing 6 characters
Example: ECQ123
Flight number containing 3 or 4 digits
Example: 1234
Example: 1234
Flying Blue card number (8 to 12 digits)
Example: 0123456789
Example: 0123456789
During check-in, you are free to choose your seat. You'll then receive your boarding pass. It is necessary for boarding the aircraft. You can also print your baggage tag. Then all you have left to do is drop off your baggage!
Enter your booking reference or your Flying Blue card number to check in!
Mobile app
Check in and keep your boarding pass on your mobile phone. With the Air France app, it's quick and easy!
Interactive kiosk
Prefer to check in at the airport? Our interactive kiosks are available 24/7!


text:
|April 13, 2019
Azure Hills Court Night
Submitted by: April Reyna
Event Location: Azure Hills Adventist Church
Address: 22633 Barton Rd, Grand Terrace, CA 92313
Description: Azure Hills Court Nights are a great way to connect with this beautiful community and expand it. Make friends, invite neighbors and get some great exercise together on Saturday nights right in our own backyard.
City News Group Inc. | 22797 Barton Road Grand Terrace CA 92313 | Phone: 909.370.1200 | Fax: 909.825.1116


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No. 3 women's lacrosse leaves Liberty League a five-time winner
Libby Schultz '12, Rachel Friedman '13 and Katie D'Antonio '14 scored four goals each to lead nationally ranked No. 3 Hamilton College to a 17-8 win against Union College in the 2011 Liberty League women's lacrosse championship final at Hamilton's Steuben Field on May 7.
The top-seeded Continentals (17-1 overall) captured their fifth straight league championship title, and received the league's automatic bid to the NCAA Division III championship, which begins on Wednesday, May 11, with 15 first-round games. Hamilton went 49-1 against league opponents since the start of 2007. The Continentals -- winners of 15 straight -- join the New England Small College Athletic Conference for women's lacrosse in 2012.
No. 2 seed Union (10-8) was playing in its eighth straight championship final. The Dutchwomen won it all in 2005 and 2006, but lost to Hamilton each of the last five years. 2011 marked the sixth consecutive year these two programs played for the league championship.
Schultz added an assist, and was selected the most outstanding player of the championship. She posted three goals and one assist in a 10-7 semifinal win against Skidmore College on Friday.
Friedman tied the team record for goals in a season with 67. Sarah Gloo '01 finished with the same number in 2000. Friedman, D'Antonio, Sarah Bray '11 and Meg Pengue '12 joined Schultz on the all-tournament team. D'Antonio was credited with one assist to go with her four goals.
Anne Graveley '11 chipped in two goals and two assists for the Continentals. Bray had one goal and four assists, and leads the team with 38 helpers. Ashley Allen '12 and Mariah Monks '13 added one goal apiece. Friedman picked up five ground balls, Lauren Sokol '12 won three draw controls and Bray and Pengue finished with two caused turnovers apiece. Dewi Caswell '14 made six saves. Caswell is 6-0 in six starts with a 6.19 goals against average.
Kristin Joyce '11 paced the Union offense with four goals before she left the game with 18:02 left in the second half when she picked up her second yellow card of the afternoon. Melissa Hine '11 had one goal and two assists, and Kat Egizi '12 recorded one goal and one assist. Chelsea Charette '11 and Heather Fraser '13 scored one goal apiece, and Abby Stohler '11 had one assist.
Fraser led the Dutchwomen with three ground balls, Egizi won six draws and Hine caused two turnovers. Alexis Deeb '11 stopped four shots. Joyce, Hine and Egizi made the all-tournament team.
Hamilton scored the first two goals and never trailed. After Joyce's first goal made it 2-1, the Continentals rattled off three straight goals for a 5-1 lead with 16:35 left in the first half. Joyce scored twice and then Egizi's third of the year pulled Union within 5-4 with 4:51 remaining. Goals by Graveley and Friedman gave Hamilton a three-goal cushion before Joyce notched her team-best 61st of the year on a free-position shot with 53 seconds left.
Schultz put the Continentals back up by three at 8-5 on her first goal of the day with a free-position shot just five seconds before the break. Hamilton pushed its lead to six goals early in the second half as D'Antonio found the back of the net twice and Friedman added her fourth of the game. Fraser scored her 14th goal to make it 11-6 with 18:26 remaining.
The Continentals clinched the league championship with four straight goals for a commanding 15-6 advantage. Graveley started the run on her 25th goal with 16:29 left, and Monks ended it on her fifth goal with 8:28 remaining.
Hamilton held a 25-17 shot advantage, and a 15-14 edge in ground balls. The Dutchwomen won 15 draws to 12 for the Continentals. Hamilton was a perfect 15 of 15 on clear attempts, and committed just eight turnovers.
The Continentals also won the regular season finale between the two programs, 14-6, at Union on April 30. Hamilton has won the last five meetings, and leads the all-time series 28-13.


text:
Advanced Search >> Album by Release
Advanced Search >> Album by Release
Request to be able to toggle completely removing album art from browser listing. (IE: A "detailed" style listing)
Hate browsing for albums and having album art taking up some of the screen.
+1 for Bone_Enterprise's post:
I understand many (most?) people do, but I never use album art, preferring a folder structure "Album List" view and a playlist view. A view with more detail/no art would be of great value to me.
I'd like to request an option for the opposite of bone_enterprises': when browsing albums, remove all text and simply have a grid of album covers.


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Asia Programs at the Arnold Arboretum
The forests of Asia are among Earth's most threatened ecosystems. The Arnold Arboretum is committed to understanding and preserving the biodiversity of these forests, via research, capacity building, and informatics support. The Arboretum has worked at the forefront of plant biology research in East and Southeast Asia for many decades. Today our researchers are active in the core fields of plant species discovery, biogeography, forest ecology, and climate change. Educational activities supported by the Arboretum have changed the lives and advanced the careers of Harvard students and young Asian researchers alike, from the 1920s to the present.
120 Years of the Arnold Arboretum in Asia
Today's research and education activities in Asia stand on a foundation of scientific and human resources built over twelve decades.
The Sargent Era
- Arnold Arboretum Founding Director Charles Sprague Sargent made a collecting trip to Japan in 1892.
- Arnold Arboretum plant collector Ernest Henry Wilson made two trips to China (1906, 1910), two trips to Japan, and one trip to Korea.
- Staff member J.G. Jack made trips to Japan, China, and Korea in 1905.
- Elmer Drew Merrill, who would later become director of the Arboretum, traveled to the Philippines in 1902, beginning work that would become his seminal Flora of the Philippines (Hay, 1998)
- Camillo Schneider of Germany, stranded in China at the outbreak of World War I, collected specimens in Yunnan for the Arboretum from 1914 to 1918.
Flowering of Chinese botany
- Arboretum participates in training young Chinese scientists (Del Tredici, 2007).
- Leonard Brass spent a significant amount of time in New Guinea and other locations, collecting for the Arboretum through the Archbold expeditions.
- By 1921, revised USDA regulations limited the Arboretum's ability to import plants and seeds.
- Sargent commissions Joseph Rock to collect for the Arboretum in China and Tibet (1924). The three-year expedition garnered more than 20,000 herbarium specimens, several hundred packets of seeds, and 653 photographs.
- Shiu Ying Hu collected for the Arboretum from 1939-1940, becoming the first female plant collector to brave the bandit-infested Chinese frontier.
- Seeds of Metasequoia glyptostroboides (dawn redwood), first collected by Chinese botanists in 1947, were distributed by the Arboretum to botanical gardens around the world in 1948.
- Chinese botanists published the first volume of a national flora, Flora Reipublicae Popularis Sinicae (FRPS), in 1959. Though additional volumes were initially slow to appear, rapid progess after 1977 enabled the FRPS to be completed in 2004.
Tropical Asian research and training
- In 1977, Peter Stevens, a Clusiaceae and Ericaceae expert with extensive field experience in New Guinea, became Assistant Professor of Biology at Harvard and Associate Curator of the Arnold Arboretum.
- In 1978, Peter Ashton became director of the Arnold Arboretum. A Dipterocarpaceae expert with years of expeditionary experience in Southeast Asia, Ashton expands the Arboretum's field and herbarium activities in Asia.
- The Arboretum participated in the 1980 Sino-American Botanical Expedition to China.
- Editorial work on the Flora of China project began in 1988.
- Robert Cook became director in 1989, continuing the Arboretum's extensive commitment to activities in Asia.
- John Burley and Jim Jarvie began Indonesian collecting and capacity building in the early 1990s. Burley discovered the anti-AIDS properties of Calophyllum lanigerum var. austrocoriaceum (Powell, 1999).
- In the late 1990s, David Middleton made many trips to study the flora of Thailand.
- Arnold Arboretum scientist Peter Del Tredici joined NACPEC collecting expeditions in China in 1994 and 1997.
Integrative Asian botany
As political and cultural realities have changed in the last decade, so has the nature of the Arboretum's work in Asia. Research is now heavily field-based, and staff prioritize the building of long-term, collaborative partnerships with national institutions and scientists. Believing that "the partnership is the platform," the Arboretum strives for meaningful co-authorship of projects and publications.
- With funds from the National Science Foundation, David Boufford and colleagues participated in several expeditions to the Hengduan Mountains biodiversity hotspot.
- Wayne Takeuchi collects extensively for the Arboretum in Papua New Guinea. See Wayne's Arnold Arboretum herbarium collections, or collections with images in JSTOR Plants.
- In 2004, Stuart Davies became director of the Center for Tropical Forest Science. With major support from the Arnold Arboretum, CTFS moved its headquarters to Harvard University until 2012.
- After serving as a Mercer Fellow in the late 1990s, Campbell Webb became a staff research scientist based in Indonesia. For details on his current research (with co-PI Sarah Mathews, please visit the project website.
- Curator of Living Collections Michael Dosmann joined a NACPEC collecting expedition in China in 2010.
- Ned Friedman became director in 2011, reaffirming the Arboretum's commitment to the Asian research program.
- The Shiu-Ying Hu Student/Postdoctoral Exchange Award was established in 2013. The Hu Award supports research projects the involve the exchange of students and postdoctoral researchers between the People's Republic of China and Harvard University.


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HELLO!!!! My loves, oh how I've missed you all!. I hope everyone had a wonderful holiday! I amSO sorry for being gone. Lots of RL things popped up along with the holiday season ANDDDD I have a brand new computer ^.^. So I will be posting and doing a lot more! I hope you enjoy and be prepared to see way more of me 😀
Please be sure to check out my main blog ^.^ ❤ http://theandrogynousblog.tumblr.com
On Androgyny:
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Bodysuit: ::RA:: – My Favorite Bodysuit [Midnight] @ fi*fridays!
CropTop: AUTRES – Flow Crop Plain Grey @ fi*fridays!
Fedora: (O&N) Fedora Buckle – Black
Jeans: .: vive nine :. – Adisa Skinny Jeans – Floral Orange
Bracelet: To'Fresco – King Of The Beast's
Bracelet 2: illmatic :: Assorted Cross Onyx
Camera: Tee*fy Vintage BrownieCamera Orange/Blue *Old Arcade Item*
Bag: *Tea Time* – Triangle Bag Teal
Earrings: [7891.] – These Lips Stud Pink @ fi*fridays!
Boots: [whatever] – Trisha Black Boots Gold @ fi*fridays!


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MQTT for Sensor Networks – MQTT-SNDecember 2nd, 2013 - 4 Comments
The nomenclature of "MQTT-S" (sensors? security? sausages?) has been confusing to some people, so recently there was a discussion about renaming the protocol to MQTT-SN.
The new name would be MQTT-SN, standing for exactly the same long name, MQTT for Sensor Networks. Some people had assumed that the S in MQTT-S stood for secure, so we hope this change will avoid that confusion.
As part of this change, the copy of the specification now available from the mqtt.org Documentation page now reflects that name change, and links to all previous versions of the specification have been permanently redirected. This is still version 1.2 of the specification, updated to reflect the changed name. MQTT for Sensor Networks is aimed at embedded devices on non-TCP/IP networks, whereas MQTT itself explicitly expects a TCP/IP stack.
So, how can you get started with MQTT-SN? Here's the exciting part – Really Small Message Broker and Mosquitto are coming together in a new Eclipse project, called Eclipse Mosquitto (here's the project proposal). The RSMB source code is now available at Eclipse, and it has built-in MQTT-SN support… Ian Craggs shares a very quick getting started guide on his blog. It turns out that Nicholas Humfrey's tools for MQTT-SN work well with RSMB as well!


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In dentistry, a dowel or pin inserted into the root canal of a natural tooth as an attachment for an artificial crown.
A job, especially one held by a doctor or skilled health professional.
A popular "short form" for postmortem examination.
POSTNeurology A clinical trial–
1. Posterior Stroke Trial.
2. Potassium-channel Opening Stroke Trial.
1. A dental procedure in which an elongated projection is fitted and cemented within the prepared root canal; serves to strengthen and retain restorative material and/or a crown restoration.
2. Device used in some dental implantation procedures.
In dentistry, dowel or pin inserted into root canal of a natural tooth as an attachment for an artificial crown.
Patient discussion about post
Q. Help for/with post-polio problems
A. Clemon -you'll have to be more specific on what kind of help do you ask for. you seek info? seek other people suffering from post-polio? what?
all i can do is give you a good link about it with some info..hope that what you look for:
all i can do is give you a good link about it with some info..hope that what you look for:
Q. I am worried how safe the operation would be and the post surgery complications? My wife has a cyst in her right breast and further tests are going on. Doctors have advised to go for an operation. I am worried how safe the operation would be and the post surgery complications?
A. My friend, surgery for the cyst in breast is common. Any cyst in breast indicates breast cancer. These surgeries are very safe. Initially they used to cut the complete breast to remove the cyst. Now with the advanced technology, only the cyst would be removed without harming other tissues. Rather complete removal is done these days, but that depend upon the severity of the cancer. These surgeries are proven with results. If the cyst is less they will remove only the affected portion and yes they do remove some nearby tissues because there some cancer cells may lay and can arrive again. For any post surgery complications, chemotherapy treatment is also available.
Q. Is beer a good post-workout drink? We have an argument here within our friends. Please settle our argument. Is beer a good post-workout drink?
A. no, beer is not good for you after a workout.More discussions about post


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This is quite a weekend for women conductors in Classical music in San Antonio. The Symphony's Classics series on Friday and Saturday night features a great guest violinist (Karen Gomyo) and guest conductor Karen Kamensek. Without looking it up in the history books, I feel safe to say this is the first time two women named Karen have been featured by the Symphony in one concert as guest soloist and guest conductor! 🙂
The Brahms Festival is also in full swing this weekend. Tonight features a free concert of the organ music of Brahms. Saturday night Opera Piccola features another female music director — Kristin Roach. Kristin will lead a concert from the piano called Gypsy Love that features four singers and dancers.
Sunday the Symphony's Associate Conductor Akiko Fujimoto takes the podium in the next Symphony Family concert. She will lead a concert that includes Britten's Young Person's Guide to the Orchestra. Family concerts start with the Instrument Petting Zoo at 1:30 and the one-hour concert starts at 2:30 pm at Trinity University.
The Brahms Festival continues on Sunday, as the San Antonio Chamber Music Society presents the Miro Quartet playing Brahms Quartet Op. 51, no. 1 in C minor. Monday features more Brahms at MUSIC AT THE MUSEUM XIII. This is a Fundraiser with a concert, reception and silent art auction for the San Antonio Symphony League and San Antonio Museum of Art Docents. (Call: 210-978-8121). Then on Tuesday Texas Public Radio presents Brahms and a look at the relationship between him and Clara Schumann using music and dance. This event is at 7 p.m. at Tripoint (3233 N. St. Mary's).


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Sorry, I was unable to blog the last couple of days because a bunch of us were busy planning tributes to Harry Kalas on Friday night and Saturday.
Deadlines for print projects for both days starred us in the eyes yesterday. A lot of people worked overtime. As Christine Negley, manager of publications, said, "Anything for Harry."
Yes, anything for Harry is very fitting. He was loved by so many people, including those of us in the front office.
In addition to the Friday and Saturday plans, the May issue of Phillies Magazine is being changed. Harry will be the cover story. It will be a collector's dream, same as the current issue.
Paying Their Respects
Fans continue to place momentos at the Mike Schmidt statue. Heaven shed tears the last two days but the rain didn't deter fans from leaving their items. Todd Kalas visited the statue on Tuesday afternoon and was brought to tears.
Thank You, Thank You, Thank You
On behalf of the Kalas family and the Phillies family, thanks to all the fans for the momentos, cards, letters, phone calls and the ton of e-mails. We truly appreciate the the affection.
Please understand It has become impossible to respond. We hope everyone understands.


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This fruit loaf is not as fluffy compared to the cranberry & orange loaf I baked 2 days ago. The loaf is moist but the texture is slightly chewy almost like 'kueh', think I still prefer the previous loaf than this mixed fruit loaf in terms of taste & texture...
- 250gm mixed dried fruits
- 300ml cooled earl grey tea (steep 6 tea bags in boiling water)
- 100gm light brown sugar
- zest & juice of 1 orange
- zest & juice of 1 lemon
- 1 egg, lightly beaten
- 200gm plain flour
- 1 tbsp baking powder
- 1/4 tsp salt
- In a bowl, mix the dried fruits with the tea and leave to soak overnight.
- Strain the soaked fruit, reserve the liquid in a bowl. Combine brown sugar, egg, zests & dried fruits.
- Pour the orange juice & lemon in a measuring cup, top up tea liquid to yield 250ml. Stir the liquid & egg into the dried fruit mixture.
- Sift flour, baking powder & salt twice. Fold the flour into the fruit mixture until combined.
- Pour the batter into a lined 9x5" loaf pan and bake in preheated oven at 180 deg cel for 1hr or until a skewer inserted in the centre comes out clean. Cover surface with foil at the last 15mins to prevent over browning. Leave in pan for 10mins before umoulding. Cool completely on wire rack.


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paul pogba
September 1, 2019 - 11 Months ago
June 8, 2017 - 3 Years ago
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NeNe Leakes Net WorthAugust 13, 2018
NeNe Leakes Net Worth $7 Million
It's been an amazing year for reality tv's biggest star NeNe Leakes. She remarried her husband Greg Leakes, she became a "Glam-ma" and she earned a record breaking $1 million for season 6 of Bravo's hit reality series Real Housewives. She has become one of the most familiar voices on television with an overwhelming fan base. Bravo seems to know her worth which is why they gave her a pay raise in 2013 making her the network's highest paid star. But NeNe's success continues to grow. In 2014 Atlanta Housewives had two episodes premiere with the network's highest ratings ever with over 4.8 million viewers. So word on the street is Leakes wants double her $1 million salary. Her net worth is estimated to be $6 million but she is looking for millions in the double digits.
The cast members of Real Housewives of Atlanta are under a tight and strict contractual agreement to keep any salary information secret. But someone within the team at Bravo leaked each of the women season 6 salary agreements to RadarOnline who reported earlier this year that NeNe Leakes will earn $1 million this season. This contract makes her the highest paid housewife in Bravo's growing franchise. Her net worth in 2013 is $6 million but in 2014 with the season 6 of Housewives and even more endorsements she could be worth $12 million.
All that money just to let cameras follow you! I mean damn. But who can blame her, NeNe is doing her thing and has become a true hustler. It was reported that season 5 that just finished airing on bravo would be her final season and new star Kenya Moore would step in as the newest drama maker. Although she has bought the fire with her twirling and gone with the wind fabulous fans and critics know that Leakes has been and will continue to be the true star of the show.
NeNe has also been rumored to be hanging out with former bestie Kim Zolciak. Both ladies have a spin-off series. NeNe and her ex-husband Greg are back together and Bravo is paying top dollar to film the rekindling of their relationship. Leakes separated from Gregg on April 29, 2010 and the divorced was finalized September 29, 2011. In January 2013, NeNe and Gregg announced their engagement. I Dream of NeNe premiered September 17th to high ratings almost 2 million viewers for the premiere episode. NeNe Leakes is reportedly earning $400,000 from that series. The wedding cost almost $1.8 million, so the show could barely cover the cost.
The ceremony was attended by Atlanta's elite, Vivica A. Fox and Fantasia Barrino were among the 400 guest. Almost every Black reality star was there, Love and Hip Hop Atlanta cast, Married to Medicine cast. Laura Govan of VH1's Basketball Wives LA was one of NeNe's Bridesmaids. Snooki was also in attendance. A Ghetto fabulous extravaganza. Tyler Perry was event sent an invitation but couldn't make it. It was an Old Hollywood theme that Leakes came up with. She wore a $50,000 Baracci dress during the ceremony, says she spent two months carefully coordinating her nuptials with event planner Tony Conway. She also had a $20,000 Pnina Tornai dress change for the reception and nine bridesmaids dressed in white Gabriella Arango gowns. Her wedding registry was worth over $40,000. Teresa Giudice didn't show up empty handed. Despite all of her financial troubles she got NeNe and Greg $7,200 China.
New Normal will be picked up on NBC for a second season and Leakes will be reprising her role this fall. There are no details surrounding her pay on the series but as soon as I get my hands on that I will put it on blast. Regardless of what you think NeNe deserves her props. Go ahead Mamaaaaaa!


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Is there a way to turn off the display (enter power saving mode) using a command?
For example, when the computer is inactive for a specific interval, the screen turns off to conserve energy. Is there a way to manually turn off the screen, yet keep the computer running normally?
This is a notebook, so there's no 'power-off' button on the monitor itself.


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Watch out, criminals! Don Johnson returns to the small screen as another lawman.
Check out a first look (pictured, left) at the former Nash Bridges and Miami Vice star in Robert Rodriguez's action-packed thriller From Dusk Till Dawn: The Series, coming to El Rey Network March 11 at 9/8c.
PHOTOS: Favorite TV and movie vampires
Johnson plays Sheriff Earl McGraw, who's fixated on capturing the notorious Gecko brothers — Seth (D.J. Cotrona) and loose cannon Richie (Zane Holtz) — after their bank heist leaves several dead. The pursuit ends in a strip joint in Mexico filled with vampires. The series, which co-stars Robert Patrick and Wilmer Valderrama, is based upon the 1996 cult film of the same name directed by Rodriguez that starred George Clooney, Quentin Tarantino and Salma Hayek.
Check out a trailer for the series below:
From Dusk Till Dawn premieres on March 11 at 9/8c on El Rey Network. Click here to find El Rey with your cable provider.


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Danogen (Danazol) 100 mg
$105.00 – $189.00
Price/Pill: $2.10
Generic Name: Danazol
Manufacturer: Cipla
$105.00 – $189.00
Price/Pill: $2.10
Generic Name: Danazol
Manufacturer: Cipla
COVID-19 Update
Update July 5:
We're currently having issues processing VISA. Please use Mastercard or Bitcoin.
PharmaOffshore is currently open but we're experiencing major disruptions- and delays in our shipping operations.
We're shipping out all orders but please be patient.
If you're not ready to wait quite some time for your order - please DO NOT place an order with us at this time.
Due to the pandemic, several shipping routes are no longer open and we've been forced to use other options such as DHL and Couriers.
This has led to increased costs for us and we're very sorry that it needs to be passed on to you as a customer.
Stay safe!


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The film tells the story of a charming but directionless man (Mark Duplass) who's still reeling from the death of his brother a year earlier. In an effort to force him to get his act together, he is sent by his best friend and his brother's ex (Emily Blunt) - amid their own conflicted attraction - to her family's remote cabin, where he inadvertently encounters her sister (Rosemarie Dewitt). Sis is in an equal tailspin due to the breakup of her lesbian relationship and a nagging urge to have a child. Mix in some alcohol and it quickly becomes a tangled knot of intermingled emotional messiness.
The movie's back story is equally intimate, if not as tortured: Along with being an accomplished actor ("The League," "Safety Not Guaranteed"), Duplass is one half of the up-and-coming screenwriter/director/writer duo behind "The Puffy Chair," "Baghead," "Cyrus," and "Jeff Who Lives at Home." The other half is his brother Jay. When Duplass had a notion for a film he wasn't sure he and his sibling could pull off, he turned to writer-director Lynn Shelton, whom he'd acted for in the film "Humpday," and offered to pass her the story baton. Shelton agreed, but rather than craft a full screenplay she assembled a partial "script-ment" – a general outline complete with passages of dialogue – with her own distinct spins on the story and turned to her leading actors to help fill out the character details as they began production.
As Duplass, Shelton and Dewitt reveal to PopcornBiz, it was a process that resulted not only in a satisfying creative experience, but also a charming, honest and emotionally engaging film.
Mark Duplass: This is kind of a Shakespearean bed-switching comedy with snooping and secrets. All of that is very fun, but I also wanted to have an emotional core to it.
Lynn Shelton: Everything that happens in the movie after the first scene or two came out of the development process. I asked the actors, actually, to develop their characters and their back story and then organically the plot was sort of being developed side by side during that process. Then we ended up on set with about 70 pages of dialogue written, but the vast majority of the film ended up being improvised because I really wanted it to feel naturalistic, like real life, so I asked them to put everything into their own words and find their own ways through these scenes. I knew what was going to happen in every scene, but how they got there was really up to the actors. I like to give them a lot of freedom.
Rosemarie Dewitt: At first blush what I responded to had nothing to do with the character. I didn't even read the script-ment that Lynn sent. It was more, like, 'Lynn from "Humpday" called, and it's Mark Duplass and Emily Blunt.' I'm like, 'I'm there! Where do I sign up?' Then once we got onboard I was very much attracted to that very specific place that woman is in, in her life. She feels like she's supposed to have all her ducks in a row and none of them are in a row, and sort of the somewhat extreme choices she has to make to have the life that she wants.
Shelton: Rose is just one of the smartest actors I've ever worked with. She's just really engaged and likes to understand the arc of everything, how everything applies to everything else. She's also just so visceral, always digging deeper and deeper to find exactly where that scene is supposed to go and where her character is.
Duplass: Particularly in regards to the role of Hannah, we needed somebody who audiences I guess just would intrinsically like because – without spoiling anything – Hannah makes some questionable decisions in the film. So it's this idea of doing a movie with some really messed up people: we love them, and hopefully by the end of the film we can have the audience love them like we do.
Shelton: Mark is such a veteran, a really comfortable improviser. He was like the ringleader when he was in the scenes with the gals, would sort of lead them. They would follow wherever he went, and it was just fantastic to have that kind of confidence. It's very contagious. Also, he brings such pathos and such charm to this character. He's such a sadsack and you're still rooting for him every step of the way.
Dewitt: Completely a renaissance man, and he really is a consummate improviser. I think that Emily and I learned so much. We weren't sure that we were doing it right and we'd look over at him, like, 'Is this really what it is?' And he's like, 'It's perfect. It's perfect.' So I think we learned to trust the process of this kind of movie from him.
Duplass: Emily started developing this from the front, and we wanted someone who had basically an inherent charm to her because all of the characters in this movie do some questionable things.
Dewitt: With Emily it was just sort of climbing into a warm bath. Sometimes those scenes were scripted, where Mark would always throw new things in – new ideas and monologues and jokes – and once in a while Emily and I would look at the scene and say, 'This kind of just works as it is. Can we just say it?' Because it was really just easy to play her sister. We didn't have to fight for the chemistry. It was sort of there from the introduction.
Shelton: Emily has this incredible gift of creating instant chemistry with other actors. I feel like she's so open and so willing to just go right there and create those intimate scenes, so you really believed her with her sister and her with her best friend. I believed both of those relationships. All of them did that, but I felt that she was kind of the lynch pin because she's in the middle of the triangle. She was the perfect person to have at that juncture: she's really good at that chemistry thing.
Dewitt: I love Lynn's take on the world, and I feel like she really has her finger on the pulse of something – something that's very immediate. Not necessarily topical, but just in terms of relationships and who we are.


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Contributed by:
Billy E
and Billy E
Last Updated: May 09, 2016 5:28 PM
Fantasy Football University: Class I
What is Fantasy Football?
Fantasy Football is a performance-based game in which participants, AKA owners, are assembled in a league, and select actual NFL players in a draft or auction. Based on the stats those NFL players put up, the Fantasy owner is awarded points. He who has the most points wins.
How is it Played?
Most leagues are started with a Draft. This is the start of the season and usually a ceremonious event. All participants gather, either in person or online, and they select their players. The most common type of draft is a "Serpentine Draft", where each owner is assigned a draft slot. Let's assume there are 12 teams, so team 1 goes 1st, 2 goes 2nd and so on. At the end of the first round, the order reverses so that in the 2nd round team 12 picks first and team 11 picks 2nd. This Serpentine pattern (1-12, 12-1) repeats until all roster spots are filled.
Another type of draft is an Auction draft where each owner is given a set amount of "bidding money". This is generally not actual dollars and all teams are given the same amount. Just as the name suggest, each player is auctioned off to the highest bidder. There's an entirely different strategy in this type of draft as each owner needs to balance between getting solid players and still having enough money to fill their whole roster.
Most Fantasy Football leagues have a set amount of "starters" that you need to select each week. You generally do not start all of your players, so while you may carry 3 Quarterbacks, you have to select one of them each week to "Start", and only his points will count for your team.
Most leagues have similar starting requirements of one quarterback, two running backs, three wide receivers, one kicker and one defense. Some leagues also use one tight end rather than or in addition to a third receiver, and there is also often a FLEX position, which will be discussed in the terminology section. Most leagues are set up in a head-to-head format with a weekly schedule. Teams win or lose based on how their starting players perform on the field vs whoever their opponent was that week (another team in the league), and the best clubs play for the league title and prizes in the fantasy playoffs, which usually are held in weeks 15 and 16.
Touchdowns for RBs and WRs are generally worth six points, and some leagues award bonus points for longer TDs. Generally players are also awarded one point for every 10 yards rushing or receiving. There is a wide range of scoring for quarterbacks, with the most common giving four points for touchdown passes and one point for every 25 yards passing. Some leagues called PPR also award one point per reception as well, which will be discussed later in this class.
There is a weekly add/drop period as well referred to as the "waiver wire", which gives owners a chance to improve their team but cutting loose their "duds" and upgrading with unclaimed players who are performing well. This is the best way to make your team better.
Trading also exists in fantasy football, which is the only other way to improve your team after the draft. Moves should be regulated by a league commissioner to keep things fair and level.
These are the basics of Fantasy Football. There are MANY different strategies for putting your team together and then managing it to win your Championship, some of which are simpler and some are more complex. In the coming weeks of FF University, as well as all of the other strategy articles and videos we put out we will fill you in on anything and everything we think you should be doing.
Fantasy Football Terminology
There are a number of terms that are often thrown around in Fantasy Football, so to ensure you are "in the know", we have listed all that we could think of. If we missed any please let us know so we can add them.
ADP – This stands for Average Draft Position. This is where a specific player is being selected in various mock drafts. It helps gauge where a player that you are interested in should be targeted.
Auction Draft – A league where fantasy owners are given a salary cap to build their rosters. Owners take turns introducing players to bid on, and the owner with the highest bid is awarded the player up for auction.
Bench – These are backups who will not be starting in your fantasy lineup for a given week. They are not projected to do well for that week, or perhaps you just have better matchups elsewhere. In many leagues your top backup is used to break a tie.
Bust – These are the players who are expected to do well for the season, but perform below expectations and disappoint. Often related to sleepers that don't pan out, or high draft picks that tank.
Bye Week – This is the week that an NFL player does not play, as his real life NFL team is off. This is where building good depth helps fantasy owners win games and separate from the pack. A "bye-week filler" refers to a quality player who could do some damage when your "studs" are not available.
Cheat Sheet – This is a sheet of rankings that is vital for keeping track of the draft or auction. It lists every position in the order you think they should be drafted, and you simply circle or cross out a player when he is selected.
Commissioner – This is the person who runs the draft or auction, and regulates trades and roster limits. It is important to elect a commissioner who is honest and responsible.
Draft – This is where fantasy owners build their rosters. It is often done in a serpentine format, with owners drawing for pick order. The Draft is the start of your Championship journey.
Dynasty League – This is a league where you retain your entire roster from year to year. New players are added through an annual rookie or free agent draft where owners select from the pool of players not already on a fantasy roster.
Flex – This is a spot on your fantasy roster where you have flexibility to start a player at several different positions. For example, many leagues allow fantasy owners to start either a third running back or third wide receiver in the Flex spot.
Flier – This is a player who is acquired as either a late-round draft pick or on the waiver wire. They are players who fantasy owners take a chance on in hope of striking gold if that player outperforms expectations.
Free Agent – A player that is not currently on anyone's fantasy roster. They can be acquired on the waiver wire.
Handcuffing – This is the strategy of drafting the backups of your top players. This is an insurance measure, and most handcuffed players have the potential to post good numbers if the star that they are backing up goes down. Ex. DeAngelo Williams had great success in Pittsburgh when Le'Veon Bell was suspended and injured.
IDP – This stands for Individual Defensive Players. IDP Leagues draft individual defensive linemen, linebackers and defensive backs, opposed to traditional leagues that just draft offensive players and employ a team defense. IDP leagues award points for tackles, sacks, interceptions etc.
IR – This is the injured reserve. Some leagues allow fantasy owners to free up a roster spot by placing an ailing player on injured reserve if they are hurt. Be aware that some fantasy owners try to abuse the feature by "reserving" a player who has a minor ailment and not expected to miss much time, so most leagues require a player to be listed as "OUT" in order to be placed on IR.
Keeper League – Similar to the Dynasty League, but fantasy owners keep only some players from year to year, and not the entire roster. Generally the number of players kept range from 1-5 from season to season, and often an owner will have to forfeit a corresponding draft pick depending on which player he keeps.
Lineup – Your weekly starters make up your lineup.
Mock Draft – A tool that is used to "practice drafting". This is VERY helpful to work on your draft strategy and hone your drafting skills. You can also gauge where a certain player may be drafted. This helps to prevent fantasy owners from reaching for a flier too early, or missing out on a top target. FFChamps.com has THE BEST Mock Draft to on the internet available with our own proprietary algorithm running our computer AI to draft against, BE SURE to use it.
PPR – This stands for Points Per Reception. These leagues award points for receptions and not just yardage. Running backs that are targeted often in the passing game are more valuable in this format and top WRs and TEs also get a bump in value.
RBBC – Running Back by Committee. More and more NFL teams are featuring two running backs in their offensive game-plan, hence the term "committee."
Sleeper – A player that will fall under the radar in fantasy drafts, who owners believe will outperform expectations for the season. Uncovering sleepers is key to winning in fantasy football, as they provide excellent late-round value when they pan out, and have a breakout year. Jacksonville could be employing a running back by committee in 2016, with Chris Ivory and TJ Yeldon.
Stud – This is the term for players who dominate in fantasy football, and are the driving force of a fantasy team's success. Antonio Brown is a stud receiver and Adrian Peterson is a stud running back. We are looking to accumulate as many studs on our teams as possible.
Team Defense – The entire defense is used for fantasy scoring. Categories for points are: sacks, interceptions, fumble recoveries, and points or yardage allowed as well as points for TD returns on special teams or by a defense after an interception or fumble. This is the opposite of using IDP.
Waiver Wire – This is a pool of players who are not currently on fantasy rosters. They are either added on a first-come/first-serve basis, or awarded in order of a team's record, meaning if two teams put in a claim for a specific player, the owner with the weaker record will get him.
Different Types of Leagues
There are three main types of leagues. They are Re-draft, Keeper and Dynasty. Keeper and Dynasty were both defined earlier in this session. A re-draft is basically a league where teams start fresh every year with no carry-overs from the previous season. Re-drafts are the most basic and least time consuming to maintain, but fantasy diehards prefer keeper and dynasty leagues, as it is very exciting to act like a GM and build a champion and legacy over several seasons.
|Fantasy Football University
|Fantasy Football's 10 Commandments


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Victoza is the brand name of the drug liraglutide, which is used to control blood sugar levels in people with type 2 diabetes.
Type 2 diabetes is a condition that occurs when the body doesn't use insulin properly. Victoza helps the pancreas release the correct amount of insulin when blood sugar levels spike, and it decreases the levels of glucose produced by the liver.
Victoza is available as an injection that's used in conjunction with a diet and exercise plan that promotes overall health.
The drug is in a class of medications known as incretin mimetics. It was approved by the Food and Drug Administration (FDA) in 2010 and is manufactured by Novo Nordisk. In 2019, the FDA expanded its approval to pediatric patients ages 10 and older with type 2 diabetes, but there are limited studies in the pediatric population. While type 2 diabetes is most common in people older than 45, prevalence among younger patients is rising dramatically. The Diabetes Report Card published by the U.S. Centers for Disease Control and Prevention estimates that more than 5,000 new cases of type 2 diabetes are diagnosed each year among Americans younger than 20.
Adults taking Victoza with insulin or other drugs that increase the amount of insulin the body makes may have increased risk of hypoglycemia, while pediatric patients have a higher risk of hypoglycemia regardless of whether they are on other therapies for diabetes.
Victoza has been shown to reduce cardiovascular events in individuals with type 2 diabetes and preexisting cardiovascular disease (in the LEADER study).
Victoza may increase your risk of developing tumors of the thyroid gland, including thyroid cancer.
You should tell your doctor if you or anyone in your family has or has ever had thyroid cancer, medullary thyroid carcinoma (a type of thyroid cancer), or multiple endocrine neoplasia syndrome type 2 (a condition that causes tumors in more than one gland in the body).
Call your doctor immediately if you experience hoarseness, difficulty swallowing, shortness of breath, or develop a lump or swelling in the neck.
This medication has also been linked to pancreatitis (inflammation of the pancreas) and the development of pancreatic cancer. You should talk to your doctor about these risks.
Victoza is not approved for people with type 1 diabetes or diabetic ketoacidosis (a dangerous condition that can develop if high blood sugar goes untreated), though the drug may be used off label in this patient population.
This medicine can control diabetes, but it doesn't cure it. You should continue to take Victoza even if you feel well. Tell your doctor you are taking Victoza before having any type of surgery.
Keep all appointments with your physician and laboratory while taking this medicine. Your health care provider will likely need to perform frequent tests to check your body's response to Victoza.
Becoming ill, experiencing extreme stress, or suffering an injury can affect your blood sugar levels. You should talk to your doctor about what to do if any of these situations occur.
Before taking Victoza, you should tell your doctor if you have or have ever had:
You should also tell your physician if you consume or have ever consumed large amounts of alcohol before taking this drug.
You should drink plenty of fluids while taking Victoza to reduce your risk of dehydration.
A pilot study conducted in 2013 found that taking Victoza with the drug metformin (Fortamet) may be beneficial for obese women who suffer from polycystic ovary syndrome (PCOS).
PCOS affects women's hormone levels, menstrual periods, and ovulation. Women who took the two medications together lost a significant amount of weight over 12 weeks.
Obesity (defined as having a body mass index, or BMI, of 30 or higher) is common in women with PCOS, and losing weight has been shown to improve reproductive and metabolic problems associated with the condition.
Victoza is a pregnancy category C drug, which means it's not known how it will affect an unborn baby. You should tell your doctor if you are pregnant or plan to become pregnant before taking this medication.
It's also not known if Victoza will harm a breastfeeding baby. You should not breastfeed while taking this drug without first talking to your doctor.
Looking to save money on a prescription for Victoza? SingleCare, a leading online service for prescription, dental, and vision discounts, has partnered with most major pharmacies around the country to help you save up to 80 percent off prescription costs. Click on "Free Coupon" below and sign up to get your free SingleCare pharmacy savings card. You'll receive a coupon by email or text to get the best price at a local participating pharmacy near you.
You should tell your doctor if any of the following side effects become severe or don't go away:
Victoza slows the emptying of the stomach, which may decrease appetite. You may lose weight while taking this medication.
You should call your doctor immediately if you experience any of the side effects listed in the Warning section or any of the following while taking Victoza:
It's especially important to tell your doctor about all other medications you take by mouth while on Victoza. The drug can change the way your body absorbs other medicine.
You should tell your doctor about all prescription, non-prescription, illegal, recreational, herbal, nutritional, or dietary drugs you're taking, especially insulin or oral medications for diabetes including:
Victoza comes as a pre-filled pen to be injected under the skin of the thigh, abdomen, or upper arm. Each pen can deliver a 0.6 milligram (mg), 1.2 mg, or 1.8 mg dose.
The typical initial dose of Victoza is 0.6 mg a day for one week. After the first week, the dose is usually increased to 1.2 mg a day. The maximum dose of Victoza is typically 1.8 mg a day (although a higher dose has been used for weight loss; that drug is called Saxenda).
The medicine is usually injected once a day in the morning with or without food. You should try to administer your injections at around the same time each day.
You should follow the instructions on your prescription label very carefully when taking this medicine. Do not take more or less of the drug than is prescribed.
Always look at the solution of Victoza before you inject it. If it's colored, cloudy, thickened, or contains any solid particles, don't take it. Also, don't take the drug if the expiration date has passed.
You shouldn't reuse or share needles or pens. Talk to your doctor about how to dispose of your needles.
If you suspect an overdose, you should contact a poison control center or emergency room immediately. You can get in touch with a poison control center at (800) 222-1222.
If you miss a dose of Victoza, inject it as soon as you remember.
However, if it's almost time for your next dose, skip the missed dose and continue on your regular dosing schedule. Don't inject more medication to make up for a missed dose.
Additional reporting by Anna Brooks
Maybe you are one of the lucky ones who will not experience the unpleasant side effects of Victoza (liraglutide). Not everyone will experience all of the side effects; the ones who will experience them at varying degrees. Everyone is different and will respond to each medication differently. Hopefully, the Victoza will work for you, and you won't have to endure the upset stomach and diarrhea that may come along with it.
Victoza (liraglutide) is an injectable prescription medicine that improves blood sugar (glucose) levels in adults with type 2 diabetes when used with a diet and exercise program. It was approved by the U.S. Food and Drug Administration in January 2010. Victoza is administered once daily by subcutaneous injection in the abdomen, thigh, or upper arm. According to the package insert, Victoza should not be used in people with a personal or family history of medullary thyroid cancer or in people with multiple endocrine neoplasia syndrome type 2. The most common side effects are headache, nausea, and diarrhea. For more information, go to //www.everydayhealth.com/drugs/victoza for a news brief about Victoza. Michelle McDermott, PharmD
The effectiveness of any medication is patient specific and the time for it to be effective can vary. Victoza (liraglutide) works by increasing insulin secretion, decreasing glucagon secretion, and delaying gastric (stomach) emptying. The only specific cancer that is listed as a contraindication in the literature is thyroid cancer. While most insurance plans cover the option for a daily or weekly GLP-1 agonist, it is not clear whether or not you have discussed less-expensive medications with your physician to control your diabetes. The following website links provide additional information on treating diabetes: //www.everydayhealth.com/type-2-diabetes/guide/, //www.everydayhealth.com/type-2-diabetes/guide/treatment/.
Your question regards what other medicine can be taken in place of Victoza (liraglutide). Victoza is used to treat type 2 diabetes mellitus. There are many different medications available to treat diabetes. There are also several different classes of diabetic medications available. If you wanted a medication in the same class as Victoza, an option would be Byetta (exenatide) //www.everydayhealth.com/drugs/bydureon. Drug selection is based on many individual variables including allergies, other medications you are taking, other medical conditions, etc. Your physician can make specific drug recommendations. You may also find helpful information on diabetes at //www.everydayhealth.com/type-2-diabetes/guide/. As always, talk with your health care provider regarding questions you have about your medications. Jen Marsico, RPh
Victoza (liraglutide) is a glucagon-like peptide-1 (GLP-1) receptor agonist. Basically, it helps control blood sugar by increasing the amount of insulin that your body produces. It also helps to reduce the rate that your body absorbs sugar. Common side effects include nausea, vomiting, diarrhea, headache, and hypoglycemia (low blood sugar). Consult your health care provider for specific recommendations and for side effects that do not improve or are bothersome. Sarah McKenney Lewis, PharmD
Victoza (liraglutide) appears to be safe, although there is a black box warning attached to Victoza. The black box warning advises patients about a possible risk of thyroid tumors. But keep in mind that this effect has only been shown in rodents. If you are still concerned about the safeness of this medication, speaking with your doctor may be helpful so that they can explain to you why they chose this drug and how it is going to benefit you. Megan Uehara, PharmD
Victoza (liraglutide (rDNA)) injection is a second tier agent prescribed along with diet and exercise to control blood glucose levels in the treatment of Type 2 diabetes. Victoza controls blood glucose levels by increasing the production of insulin from the pancreas following a meal; by decreasing the production of glucagon; and by delaying stomach emptying after a meal. The side effects of Victoza are nausea, headache, diarrhea, and anti-liraglutide antibody formation. Weight loss was a major side effect observed during clinical trials with Victoza therapy. This is not a complete list of the side effects associated with Victoza. Victoza is not indicated for the treatment of obesity. Pancreatitis and C-cell thyroid type tumors (in rodents) have been reported with the use of Victoza. Consuelo Worley, RPh
Victoza (liraglutide) is a medication that is approved to treat type 2 diabetes in adults. This medication is intended to help lower blood sugar levels along with diet, exercise, and selected other diabetes medicines. It isn't recommended as the first therapy patients try if they haven't adequately controlled their diabetes with diet and exercise alone. Victoza belongs to a class of medicines known as glucagon-like peptide-1 (GLP-1) receptor agonists, which help the pancreas make more insulin after eating a meal. The most common side effects observed with Victoza in the clinical trials were headache, nausea, and diarrhea. Other side effects included allergic-like reactions such as hives. For more specific information, consult with your doctor or pharmacist for guidance based on your health status and current medications, particularly before taking any action. Victoza should be stopped if patients experience severe abdominal pain, with or without nausea and vomiting, and should not be restarted if blood tests confirm that they have pancreatitis (inflammation of the pancreas). Victoza should be used with caution in people with a history of pancreatitis. Victoza caused tumors of the thyroid gland in rats and mice. Some of those tumors were cancers, which were more likely in rats that got doses of Victoza that were eight times higher than what people would receive. It's not known if Victoza could cause thyroid tumors or a very rare type of thyroid cancer called medullary thyroid cancer in people. For that reason, the FDA says Victoza should not be used as the first treatment for diabetes until more studies are done. For more information on Victoza, click on this link to take you to the manufacturer website: https://www.victoza.com/ The choice of which medication to choose for your particular situation, should be discussed at length with your healthcare provider. He or she is in the best position to recommend which medication would be best in regards to your health conditions and past medication use. Lori Poulin, PharmD
Victoza (liraglutide) (//www.everydayhealth.com/drugs/victoza) is a diabetes medicine that controls blood sugar levels. Victoza is used to treat type 2 diabetes. Common side effects of Victoza include headache, upset stomach, nausea, diarrhea, and feeling tired. A search of prescribing information did not specifically list weight loss as a side effect of Victoza. (//www.everydayhealth.com/type-2-diabetes/guide/x). This is not a complete list of the side effects associated with Victoza. Kimberly Hotz, PharmD
There is a new injection that works very similar to Byetta. Maybe your drug plan will cover it. The name of the medication is called Victoza. Victoza is also supposed to have fewer side effects than Byetta and is dosed once daily rather than twice daily. Hopefully this medication will be covered for you! Megan Uehara, PharmD
Victoza (liraglutide) is a diabetes medicine that helps control blood glucose (sugar) levels. It is used to treat type 2 diabetes, either alone or in combination with oral diabetes medications. Common side effects of Victoza include headache, dizziness, upset stomach, loss of appetite, nausea, vomiting, diarrhea, constipation, tiredness, and redness where the medicine was injected. A search of the prescribing information for Victoza shows that there is little experience with using Victoza in people with liver problems. The manufacturer recommends using Victoza with caution in anyone with liver problems. However, no dosage adjustment is needed in people with liver problems. Consult your doctor for specific treatment recommendations. This is not a complete list of the side effects associated with Victoza. Sarah Lewis, PharmD
Victoza (liraglutide) is used in combination with diet and exercise to improve blood sugar control in adults with type 2 diabetes. Victoza is not recommended as first-line therapy for patients with diabetes and it is not used for patients with type 1 diabetes. The most common side effects of Victoza are nausea, vomiting, diarrhea, constipation, and headache. Victoza may also cause an inflammation of the pancreas, called pancreatitis. Patients should report any signs or symptoms of pancreatitis to their health care provider, including severe stomach or back pain with nausea or vomiting, stomach tenderness or swelling, fast heartbeat, and dizziness. Victoza causes thyroid C-cell tumors in rats and mice. The incidence of tumors increased with increasing dose and longer durations of treatment with Victoza. It is not known whether Victoza causes thyroid tumors, including medullary thyroid carcinoma (MTC), in humans. The possibility of these tumors in humans could not be ruled out by clinical or nonclinical studies. Victoza should not be given to patients with a personal or family history of MTC or to patients with Multiple Endocrine Neoplasia syndrome type 2 (MEN 2). In the clinical trials, there were 4 reported cases of excessive growth or hyperplasia of thyroid C-cells in patients treated with Victoza and 1 case in a patient who received another drug. One additional case in each treatment group was subsequently reported. All of these cases were diagnosed after the thyroid was removed because of abnormal results on routine measurements of serum calcitonin. Four of the five Victoza-treated patients had elevated calcitonin concentrations before they started taking the drug. Patients should be aware of the symptoms of thyroid tumors, such as a mass in the neck, difficulty swallowing or breathing, or persistent hoarseness. It is unknown if monitoring serum calcitonin levels or performing routine thyroid ultrasounds will decrease the risk of thyroid tumors. For more specific information, consult with your doctor or pharmacist for guidance based on your health status and current medications, particularly before taking any action. Michelle McDermott, PharmD
Victoza (liraglutide) is a newer medication used to help manage blood sugar levels in people who have type 2 diabetes. Victoza is eliminated from the body through the kidneys, not the liver. Therefore, regular kidney function tests may need to be performed, usually yearly, to ensure they are functioning properly. Diet and exercise still play an important role in regulating blood sugar as well. The medication should not be used as a first choice. Studies in rats have shown an increase in thyroid C-cell tumors, and the significance of this finding to humans is unknown. Therefore, the medication should be saved for people who do not respond well to other treatment. It should also be used with caution in people who have a condition known as pancreatitis, as there were more cases associated with the medication. The dose usually starts at 0.6 mg daily for the first week. However, this is not a dose to control blood sugar levels. The dose of Victoza should be tapered up, because a full dose can cause gastrointestinal (GI) upset. After a week, the dose can be doubled. If it does not provide sufficient control of blood sugar, it can be increased to 1.8 mg. There are no dosage adjustments recommended for patients with liver or kidney impairments. It is important to control blood sugar levels, as they can have an impact on every part of the body. For more specific information, consult with your doctor or pharmacist for guidance based on your health status and current medications, particularly before taking any action. Patti Brown, PharmD
Victoza (liraglutide) is a diabetes medicine that is used to control blood sugar levels. Victoza is used to treat type 2 diabetes. Victoza is not indicted for type 1 diabetes. It works by increasing the amount of insulin the body produces. Victoza is a pre-filled injection pen that is injected subcutaneously (under the skin). Victoza is given once daily, at any time of the day, either with or without food. Store unopened Victoza pens in the refrigerator. Victoza pens, that are currently being used, can be stored at room temperature for up to 30 days. Victoza is only a part of a complete program to control blood sugar levels. Other treatment options may include diet, exercise, and weight control. Some of the common side effects of Victoza include headache, upset stomach, nausea, diarrhea, and feeling tired. Other side effects may include dizziness, back pain, a mild skin rash and a rash and redness at the injection site. Victoza may cause hypoglycemia (low blood sugar). Symptoms may include headache, hunger, confusion, irritability, drowsiness, weakness, dizziness, tremors, sweating, and fast heartbeat. For more specific information on your current diabetes medications, consult with your doctor or local pharmacist. Consult with your doctor about the use of Victoza. Your doctor can provide guidance regarding how to effectively keep your blood sugars at optimal levels through the use of Victoza, proper diet and exercise. Kimberly Hotz, PharmD
The appropriate medication regimen for a patient with type 2 diabetes is extremely patient specific, depends on a multitude of factors and must be determined by your health care provider. A medication that works optimally for one patient may not provide adequate glycemic control for another. The focus of diabetes management is aimed at achieving tight blood glucose control and preventing long-term complications, including diabetic neuropathy (nerve damage), cardiovascular disease, kidney damage and diabetic retinopathy, a serious complication of the eyes. Victoza (liraglutide) is indicated as an adjunct to diet and exercise to improve glycemic control in patients with type 2 diabetes. Victoza is not recommended as a first line treatment option. According to the prescribing information, the most commonly reported side effects associated with Victoza include headache, nausea and diarrhea. Victoza is typically administered once daily, at any time of the day, and without regard to meals. Victoza should be injected into the upper arm, thigh or abdomen. In most cases, treatment with Victoza is initiated at 0.6 mg daily for one week to decrease the potential for gastrointestinal (GI) side effects. This dosage is not effective in producing glycemic control. The dose is typically increased to 1.2 mg after one week of treatment. The dose may be increased again to 1.8 mg, if necessary, to achieve optimal glycemic control. Tight blood glucose control is essential for optimally controlling diabetes and preventing long term complications. Blood glucose levels and goals are extremely patient specific and depend on several factors including diet, lifestyle, medical and prescription history and individual risk factors and should be determined and monitored by your health care provider. You may want to contact your doctor to discuss your individual blood glucose goals. It is important to test your blood glucose levels various times throughout the day as instructed by your doctor to achieve tight blood glucose control and prevent complications. Additionally, proper diet, nutrition and exercise are also essential in achieving tight glucose control and managing diabetes optimally. Proper diet is extremely patient specific and based on numerous factors including blood glucose levels, blood glucose goals, activity level and patient lifestyle. An appropriately tailored exercise program is also an important component when treating diabetes. To appropriately answer your question, you may want to contact your health care provider. Based on your medical and prescription history, individual risk factors and goals, activity level and numerous other factors, your doctor, or specialist, can determine an appropriate diet and exercise plan that best meets your needs. Consult with your doctor to discuss if Victoza is an appropriate treatment option for your current health status and treatment regimen. For more specific information, consult with your doctor or pharmacist for guidance based on your health status and current medications, particularly before taking any action. Beth Isaac, PharmD
By Lynn Marks | Medically Reviewed by Sanjai Sinha, MD
Latest Update: 2019-07-17
Copyright © 2014 Everyday Health Media, LLC


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No Games
No Gimmicks
No gimmicks? I might not be the worlds foremost authority, but Id say splitting four couples up and trying to tempt them with fourteen members of the opposite sex is pretty gimmicky.
Another shot, this time of clouds passing by as a womans voice says Oh my god, this is very real. This is about to happen.
No Prizes
What? No prizes? Then why are any of these people subjecting themselves to this? For the acting career promotion? Realistically, isnt a Cinemax After Dark movie the best possible career highlight for someone who appeared on Temptation Island? So what else is there? Basically, it comes down to a chance to have sex with a complete stranger. Strangely enough, this was the main reason I went to bars when I was a college freshmen.
And now a shot of a hot gal in a swimsuit, as the same female voice says I just dont want somebody like that around my boyfriend. Uhm, should you have thought of that before you signed up to be on this show?
Just Four Real Couples
When these two weeks are up, what we learn will be worth the hurting and the crying. Yeah, because the only way you can learn something worthwhile about your partner is by being tempted on national television.
Willing To Risk
Cue clip montage. Long clip montage. Long, lengthy clip montage. In fact, calling it a long lengthy clip montage doesnt do it justice. By the time it ends, I think were already at the end of the first segment of the show. The montage (finally) ends with the man we will come to know as Michael (or else doofus) saying Everything was completely innocent. But now its not going to be so innocent. Completely innocent? You mean, the innocent grappling with people NOT your significant other, as compared to the non-innocent grappling with people not your significant other? Does Fox really want anything to be completely innocent? Sex is as important to a Fox reality show as it is to a 16-year-old boy. The only difference is that the 16-year-old boy approaches the subject in a more mature manner.
We meet our couples. First stop, Long Island, New York. Melissa and Michael, together 2 years. It was instant attraction for Melissa, who apparently doesnt need a man with brains. Melissa was Miss New York. We see a shot of Michael and Melissa, and shes wearing a tee-shirt, sash, and crown. It must be her room, cause there are dolls everywhere. (I can hear Michael saying Put on the crown, honey, please put on the crown.) They both live with their parents, and Michael thinks he has it made. No rent, no food. What more could a 25 year old guy want? Melissa, at 29, is starting to long for a little something more. Why am I not engaged to Michael already is a question to me and myself. Uhm, Melissa. Perhaps you need to ask Michael that one. (I can hear Michael saying Why buy the cow when youre getting free milk? I can hear Michael saying a lot of things, few of them putting him in a favorable light.)
Farmville, Virginia. (Farmville?) Kristin and Eric. Together three years. When Kristin first met Eric, he was a frat president and a big man on campus. Eric did a kitty kat voice for Kristin that made her fall in love. Kristin is obviously easily amused. They are discovering for the first time that Eric only seriously dated two women before meeting Kristin. This takes Kristin somewhat aback, as she thought Eric had dated far more girls. He says he dated a lot, but only two others seriously. I recall how the word dating means something different to working women, and suspect that Eric is using it the same way.
Chicago, Illinois. Stephanie and Anthony, together three years, living together seven months. Anthony is teaching Stephanie how to iron, cause she never does. Yeah, hes a prince. Stephanie says she starts fights just cause she likes to fight. Yeah, shes a princess.
Las Vegas, Nevada. Jason and Kara, together one year. Our first shot of Jason is of him flashing as the two of them drive down the street. He has tats that I know make him think he looks like Vin Diesel. It really makes him look like Vin Unleaded. Kara thinks Jason will remain faithful. I think he looks like a horndog waiting to be unleashed.
Cut to the four couples arriving at the airport, with a voiceover from our host, Mark L. Wahlberg (the L is for Love). The couples agreed to come to a tropical paradise to see if their love could survive the ultimate temptations. We finally see Mark, walking the beach, looking like he had to borrow some clothes to get the gig. The music cues up, pure Survivor rip off, with a closing crescendo as the logo appears surrounded by fire. Oooooh.
The plane lands, and the couples are greeted by Mr. Rourke and Tattoo. Man, wouldnt that have been a better show? The couples say nice things about each other, including Michael saying that he would rather see Melissa happy with someone else than unhappy with him. What a sport! Unspoken is the fact that he would rather see himself happy with someone else than unhappy with Melissa.


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Dr. Cooke testified that his examination of the lungs indicated old scarring indicative of a previous, healed, tuberculosis infection, and extensive fibrosis, in which were visible "particles of mineral matter ... of various shapes, but the large majority have sharp angles. The size varies from 393.6 to 3 µm in length....
[These] originated from asbestos and were, beyond a reasonable doubt, the primary cause of the fibrosis of the lungs and therefore of death"
Dr William Edmund Cooke,
Pathologist and Bacteriologist,
Wigan Infirmary and Leigh Infirmary, 1927
A is for Asbestos from Spike EP on Vimeo.
"For nearly three hundred years, Lloyd's of London insurance policies were backed by wealthy British investors, who came to be known as "Names" because, in the early days, their signatures were written on the face of each Lloyd's policy. The Names participated in one-year venture syndicates, to insure risks, chiefly in maritime insurance. Each Name pledged his entire personal wealth to back up his share in the syndicate's policies. The syndicates accepted business for one year, then allowed two more years for claims to come in and be settled. Each syndicate closed its "year of account" and wound up its affairs after the end of the third year. The Names received their share of the profits, or paid their share of the losses, and their liability ended. If, however, all claims could not be settled by the end of the third year, the syndicate had to remain "open" and the profits or losses could not be shared among the Names until all claims were finally settled. This system was efficient and profitable in maritime business; the outcome of any given voyage was almost always known within the year of account, and settled within three.
As both commerce and insurance grew more complex, and especially as Lloyd's expanded into non-maritime business, syndicates found they could no longer close their affairs after only three years. Staying open longer, however, and thus delaying the distribution of profits, would threaten their financial base: Names might well look elsewhere for more reliable investments with more rapid returns. Lloyd's solution was to have each closing syndicate reinsure its remaining risks with a syndicate from the next year of account. For a premium paid, a still-open syndicate, during its third year, would assume any remaining Incurred But Not yet Reported ("IBNR") liabilities of the closing syndicate from the prior year by issuing it a specialized policy of Re-Insurance To Close ("RITC"). Lloyd's syndicates could thus continue distributing profits after three years, instead of having to radically alter their long-established and familiar business procedure.
When this RITC developed, there were only a few thousand members of Lloyd's, of whom perhaps a thousand, known as "working Names", actually conducted the business of Lloyd's insurance market. The rest ("external" Names) relied on their syndicate managing agents to protect their interests, by carefully evaluating each risk accepted, and by calculating the RITC in such a way that neither excessive profit nor loss was realized by the Names on the old syndicate or the new syndicate. It was extremely important that RITC be calculated fairly, because the individual Names who made up those syndicates were not necessarily the same people.
In order to carve out a share of the U.S. insurance market while a "buy-American" attitude prevailed in the 1930's, 1940's and 1950's, syndicates at Lloyd's issued many broadly worded policies, without monetary limits, insuring and reinsuring risks in the United States. The loose language of these policies gave Lloyd's a temporary competitive advantage over many U.S, carriers; however, these overly generous policies eventually came back to haunt them. By the 1960's and 1970's it was clear to a handful of the highly placed working Names that claims due to asbestosis, pollution and other health hazards (so-called "APH" losses) were ripening into lawsuits in which unanticipatedly large damages were being awarded by American courts. American companies turned to their insurers, and their insurers turned to their reinsurers, who in very many cases were syndicates at Lloyd's.
An avalanche of claims was thus working its way through the courts and down the chain of reinsurance obligations, toward the Lloyd's syndicates that held the RITC policies issued to the syndicates who, in prior years, had written the original, broadly worded policies. The avalanche was moreover apparently going to continue well past the year 2000. Since the original policies were written without monetary limits, the Names backing the syndicates that had assumed liability for these policies through the annual RITC process were facing financial ruin, and Lloyd's ability to "pay all claims" was in jeopardy. The Names would soon be personally liable for coming claims far in excess of their original investments in Lloyd's syndicates, and apparently in excess of their combined wealth besides. If word got out about the magnitude of the undisclosed liabilities latent within numerous syndicates at Lloyd's, incoming investment would cease, and Lloyd's would go the way of the "do-do" bird."


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Archive for Thursday, March 26, 2009
Winter storm watch issued for weekend
March 26, 2009
The National Weather Service has issued a winter storm watch for the region, including Johnson, Wyandotte and Leavenworth counties.
The watch will be in effect from late Friday night through Saturday evening.
Beginning Friday night, rain is expected to transition to freezing rain and sleet, then to heavy snow by early Saturday.
The weather service said expected snowfall amounts may vary widely across the watch area. But between four and eight inches of snow are possible by Saturday afternoon.
The storm that will affect the area is part of a much larger system that forecasters say will move through the state starting Thursday afternoon. It's possible that up to a foot of snow could accumulate in western Kansas.
The Kansas Division of Emergency Management is urging Kansans to prepare for these dangerous weather conditions.
"It is absolutely critical to have an emergency kit in your home that allows you to stay safe during power outages," said Maj. Gen. Tod Bunting, director of KDEM and Kansas adjutant general. "This needs to include bottled water, non-perishable food, medications, blankets and flashlights."
"If you plan to travel over the next several days, make sure you have an emergency kit with you and plenty of gas in your vehicle's gas tank in case you become stranded or delayed," Bunting said. "If possible, change your travel plans to avoid the storm."
Kansans may monitor road conditions by calling 511 or visiting their Web site. If outside the state, call 866-511-5368 to get local road conditions.
Here are some items to include in a home emergency supply kit:
• Water: One gallon of water per person per day for at least three days, for drinking and sanitation.
• Food: At least a three-day supply of non-perishable food for each person.
• Battery-powered or hand-crank radio and a NOAA Weather Radio with tone alert and extra batteries for both.
• Flashlight and extra batteries.
• First-aid kit.
• Moist towelettes, garbage bags and plastic ties for personal sanitation.
• Wrench or pliers to turn off utilities.
• Can opener for food (if kit contains canned food).
• Local maps.
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