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spec: Art students should plan to budget their time for at least three clock hours per week of involvement for each semester hour credit . European contact on the sustainability of the islands was resoundingly negative . Kim Thorne , Division Director , State Finance , commented that Sept. 11 has had a ripple effect that has adversely affected every state . By joining the VA or groups like Veterans of Foreign Wars , veterans and their families also have access to large health care networks . As you may have heard from various news reports , the Enron bankruptcy is having a ripple effect on many other energy companies . Through his focus on accountability and results , Eli has had a ripple effect on the entire nonprofit sector . You feel good and can code for a few more hours .