text:
The 1941 All-Southwest Conference football team consists of American football players chosen by various organizations for All-Southwest Conference teams for the 1941 college football season.  The selectors for the 1941 season included the Associated Press (AP) and the United Press (UP).

The 1941 Texas A&M Aggies football team won the conference championship, was ranked No. 9 in the final AP Poll, and placed four players on the first team: back Derace Moser (AP-1, UP-1); ends James Sterling (AP-1, UP-1); tackle Martin Ruby (AP-1, UP-1); and center Bill Sibley (AP-1, UP-1).

The 1941 Texas Longhorns football team was ranked No. 4 in the final AP Poll and also placed four players on the first team: backs Jack Crain and Pete Layden (AP-1, UP-1); end Malcolm Kutner (AP-1, UP-1); and guard Chal Daniel (AP-1, UP-1).

All Southwest selections

Backs
 Pete Layden, Texas (AP-1; UP-1)
 Preston Johnston, SMU (AP-1; UP-1)
 Derace Moser, Texas A&M (AP-1; UP-1) (Southwest Conference MVP, 1941)
 Jack Crain, Texas (AP-1; UP-1)
 Jack Wilson, Baylor (AP-2, UP-2)
 Vernon Martin, Texas (AP-2, UP-2)
 Milton Crain, Baylor (AP-2, UP-2)
 Kyle Gillespie, TCU (AP-2)
 Bob Brumley, Rice (UP-2)

Ends
 James Sterling, Texas A&M (AP-1; UP-1)
 Malcolm Kutner, Texas (AP-1; UP-1) (College Football Hall of Fame)
 Bruce Alford Sr., TCU (AP-2, UP-2)
 Bill Henderson, Texas A&M (AP-2)
 Russell, Baylor (UP-2)

Tackles
 Derrell Palmer, TCU (AP-1; UP-1)
 Martin Ruby, Texas A&M (AP-1; UP-1) (College Football Hall of Fame)
 Jeff Coats, Arkansas (AP-2, UP-2)
 Julian Garrett, Texas (AP-2, UP-2)

Guards
 Chal Daniel, Texas (AP-1; UP-1)
 Art Goforth, Rice (AP-1)
 Ted Ramsey, SMU (AP-2, UP-1)
 Buddy Jungmichel, Texas (AP-2, UP-2)
 Goforth, Rice (UP-2)

Centers
 Bill Sibley, Texas A&M (AP-1; UP-1)
 Daryl Cato, Arkansas (AP-2, UP-2)

Key
AP = Associated Press

UP = United Press

Bold = Consensus first-team selection of both the AP and UP

See also
1941 College Football All-America Team

References

All-Southwest Conference
All-Southwest Conference football teams


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The PAC 500 provides sophisticated access and alarm management for businesses with single or multiple locations across the country or around the world because it is an expandable controller. The PAC 500 is a proven solution which supports a countless number of access decisions, meshes multiple locations seamlessly, centralise management and provides industry standard secure networking.
Thousands of users are ensured secure and high-speed access by embedded Microsoft Windows CE Net and a powerful Intel XScale processor. The PAC 500 is IP enabled which also contributes to providing the highest level of security possible.


Things are moving fast in the world of artificial gaming intelligence. As a startup, DeepMind's AI was able to learn (and eventually master) seven Atari 2600 games, getting good enough to beat humans at three of them. Now (and $628 million in Google investment dollars later), DeepMind is capable of schooling people in 22 out of 49 Atari games, and matching them at seven of them. But why the lag in performance on others? A new paper published in Nature explains.
"The classic game Ms. Pac-Man neatly illustrates the software's greatest limitation: that it is unable to make plans as far as even a few seconds ahead. That prevents the system from figuring out how to get across a the maze safely to eat the final pellets and complete a level. It is also unable to learn that eating certain magic pellets allows you to eat the ghosts that you must otherwise avoid at all costs.
So in a game like "Space Invaders," where the antagonists advance forward in regular, predictable patterns, DeepMind is more than capable of achieving God-like status. But in "Mrs. Pac-Man," where eating magic pellets provides actual God status, things move a little too fast for DeepMind to keep up.
DeepMind's strategies are complex, and its only real limitation is memory. Demis Hassabis, the leader of Google DeepMind, says his team is working to improve memory and attention span. It's already capable of playing some Nintendo and PC games, which take place in a 3D environment. Hassabis also hints at what might be in store for DeepMind further into the future.
"Ultimately the idea is that if this algorithm can drive a car in a racing game, with a few tweaks it will be able to drive a real car," he said at a press conference Tuesday.
New Invasive Tumble Weed Rapidly Expanding Across U.S.


text:
Sept. 22, 2017 / 3:12 PM
Saudi textbook recalled due to photo of Yoda next to King Faisal
Daniel Uria
Sept. 22 (UPI) -- A social studies textbook in Saudi Arabia was recalled for including a photo depicting a Star Wars character next to a king.
The black and white photo, by Saudi artist Abdullah Al Shehri, features the small, green Jedi Yoda seated next to King Faisal as he signed the United Nations Charter in San Francisco in 1945.
Saudi education minister Ahmed al-Eissa apologized for the mistake and said measures were being taken to correct the error.
"The Education Ministry regrets unintentional error that appeared in the picture of the signing of the Charter of the United Nations Commission on social studies and national decision," he wrote. "The ministry has begun printing a corrected copy of the curriculum and withdrawing the previous copy and formed a legal committee to determine the source of the error and to take the proper measures."
Shehri, a 26-year-old artist who goes by the nickname Shaweesh, created the image as part of a series that inserts pop culture characters into historical photos and learned it had turned up in a textbook through a text from his mother.
"I am the one who designed it, but I am not the one who put it in the book," he told the New York Times.
Shehri said he decided to insert Yoda into the photo because he reminded him of King Faisal and is the same color as the Saudi flag.
"He was wise and was always strong in his speeches," he said. "So I found that Yoda was the closest character to the king. And also Yoda and his light saber -- it's all green."
Rescued seal pup given 'Game of Thrones' nickname 'Seinfeld' actor Jason Alexander calls out mannequin look-alike Chicago man plagued by calls meant for NBA star Jimmy Butler
King Faisal
Authorities seek baboon on the loose in South African city
Man's long lucky lottery streak culminates in $1 million jackpot
Police called to boy's 'ice cold beer' stand find 'root beer' instead
7,046 packs of gum used as dominoes to set Guinness World Record
Postcard shows up at Illinois home exactly 26 years after postmark
Moments from the 2019 Wimbledon Championship

redpajama_set_name: RedPajamaCommonCrawl


text:
using WizBot.Modules.Searches;
using System.Text.Json.Serialization;

namespace WizBot.Services;

public sealed class GoogleImageResult : IImageSearchResult
{
    ISearchResultInformation IImageSearchResult.Info
        => Info;

    IReadOnlyCollection<IImageSearchResultEntry> IImageSearchResult.Entries
        => Entries ?? Array.Empty<GoogleImageResultEntry>();

    [JsonPropertyName("searchInformation")]
    public GoogleSearchResultInformation Info { get; init; } = null!;

    [JsonPropertyName("items")]
    public IReadOnlyCollection<GoogleImageResultEntry>? Entries { get; init; }
}

redpajama_set_name: RedPajamaGithub


Norway has become the first country to ban deforestation after the Scandinavian country's parliament decided that the government's public procurement policy will be deforestation-free.
Any product, whose production includes the destroying of trees, will not be used in Norway from now on.
Norway, together with Germany and Great Britain, has announced its intention at the 2014 UN Climate Summit - to "promote national commitments that encourage deforestation-free supply chains". Now it's Germany's and Great Britain's turn to bring to act on their commitment.


text:
You are here:Finance
Children's pressures push Suffolk towards £8.6m overspend
5 September, 2018 By David Paine
Suffolk CC is projecting a £8.6m overspend this financial year, largely driven by rising demand in children's services.
Almost £5m of the projected overspend – equivalent to 1.7% of the council's £501m net revenue budget – is attributed to rising demand and increased costs relating to services for looked-after children, youngsters requiring specialist social care and home-to-school transport.
There are also projected overspends in adult social care (£1.5m) and corporate services (£1.8m), largely due to pressures in not achieving income targets.
At the same point in 2017-18, Suffolk forecasted a £7.8m overspend which was eventually reduced to £5.2m by the end of the year.
Richard Smith (Con), cabinet member for finance and assets, said: "I think most people have some awareness that local councils are facing enormous financial challenges, but it's figures like these that bring the scale of the issue into sharp focus.
"We have seen Northamptonshire County Council effectively go bust in recent months. I want to reassure people that Suffolk is not in that position, but that does not mean we can be complacent either.
"There are going to be some tough calls to make in the weeks and months ahead, but they are calls we are going to have to make to keep Suffolk County Council within budget. At all times we will work to protect the most vulnerable people that rely on us for support and care."
In a bid to try and control costs, about £4m of the pressures in the children and young people department is being partially offset by the creation of a contingency from vacancies as well as savings and underspends from within the education and learning, and early help services.
Transport contracts for hundreds of children are also being renegotiated, while Suffolk said it is "strengthening its contract management to get better value for money" in adult and community services.
A "line-by-line" review of corporate services budgets is also taking place.
Geoff Wilson, Suffolk's interim chief accountant, said in a report due to go before cabinet next Tuesday that the council "no longer holds carry forward reserves for individual directorates" so any overspend at the end of the year will have to be met from general reserves.
"Financial resilience and sustainability are essential, but both are difficult to achieve in the current financial environment," said Mr Wilson. "Nevertheless, firm management action is being taken to manage the short term financial pressures and develop strategies to meet the long-term challenges that face the council."
NAO: DfE does not understand children's social care demand
23 January, 2019Jon Bunn
The Department for Education has failed to adequately evaluate evidence on what is driving both increasing demand for children's social care services and variations in councils' activity and spending in this area, the National Audit Office (NAO) has found.
City achieves 'outstanding' Ofsted rating as Met improves
19 December, 2018Jon Bunn
Leeds City Council's children's social care services have been rated 'outstanding' by Ofsted, while Calderdale MBC has achieved a 'good' rating after previously being subject to government intervention.
Ofsted director warns of 'enduring harm' due to early help cuts
5 December, 2018Jon Bunn
Cutting early help and prevention services due to financial pressures risks leaving children vulnerable to "significant" and "enduring harm", Ofsted's national director of social care has said.
Ofsted: Special educational needs support 'disjointed and variable'
Ofsted has criticised the numbers of children with special educational needs and disabilities (SEND) not receiving adequate support and raised serious concerns over the number of vulnerable children being excluded from school.
Warning of irreversible damage if children's funding not addressed
16 November, 2018Jon Bunn
Irreversible damage will be done to vulnerable children's lives unless there is a sustainable funding settlement for social care services in next year's comprehensive spending review, the president of the Association of Directors of Children's Services has warned.
Union row over Cornwall's proposed child services integration
6 November, 2018Mark Smulian
Cornwall Council's cabinet is set to agree a radical integration of children's services despite claims from the Unite union that residents could be charged for services which are currently delivered for free.
Support for vulnerable families 'undermined by short-termism'
31 October, 2018Jon Bunn
Vital early support for disadvantaged children and families is being undermined by short-term approaches to funding and policy alongside a lack of joined-up thinking in Whitehall and local areas, according to a report.
Counties make children's services progress but challenges remain
Two county councils judged to have failing children's social care services have made improvements but still face challenges, Ofsted has found.
Counties request extra cash amid £1bn savings warning
20 September, 2018David Paine
County councils might need to make almost £1bn worth of savings next year.
Cornwall proposes major jobs cuts in response to £77m shortfall
19 September, 2018Robert Cusack
Cornwall Council is to discuss axeing 400 jobs as it continues to seek ways to save £77m over the coming four years.
Head of Lead Childrens Centre (Group)
Childrens Centre Manager
From GBP46,608 to GBP48,489 per annum
Executive Director of Education and Children's Services
circa. £137k
Childrens Information & Advice Officer


The domain within your query sequence starts at position 194 and ends at position 520; the E-value for the Phosphodiest domain shown below is 1.8e-87.
This family consists of phosphodiesterases, including human plasma-cell membrane glycoprotein PC-1 / alkaline phosphodiesterase I / nucleotide pyrophosphatase (nppase). These enzymes catalyse the cleavage of phosphodiester and phosphosulphate bonds in NAD, deoxynucleotides and nucleotide sugars [(PUBMED:9344668)]. Another member of this family is ATX an autotaxin, tumor cell motility-stimulating protein which exhibits type I phosphodiesterases activity [(PUBMED:7982964)]. The alignment encompasses the active site [(PUBMED:7730366), (PUBMED:7982964)]. Also present within this family is 60 kDa Ca2+-ATPase from Myroides odoratus [(PUBMED:8617788)].
This signature also hits a number of ethanolamine phosphate transferase involved in glycosylphosphatidylinositol-anchor biosynthesis.


If you didn't scratch your head while reading this blog post title, you probably well into Google Analytics. Welcome, web analyst!
How many visits do you get for each multi channel funnel path?
How can you calculate the conversion rate for each combination?
Read on to find out which marketing channels are making you the most money per visit..
How to calculate the conversion rate per path?
In Google Analytics, it's not possible to see the number of visitors for each of the paths. Sigh.
I'll explain the steps first, then I'll walk you through it.
Between step 2 and 3, you'll have to wait, unfortunately. You cannot report goal completion in the period before you created the goal. But it's worth the wait!
By default, every multi-channel funnel report only count conversions, so you need to create a conversion for each visit to count the total number of visits.
You can choose to create a new view (you'll have to wait anyway for the data to come in) if you do not want your regular view to be polluted with this new goal. It'll mess with your site-wide metrics.
It's faily easy. Go to Admin -> Goals, and under Goal Details, select Destination begins with /.
This will match all urls visited, and you'll have a goal that triggers for every visit.
Just to make sure: in the same view where you have your Visit = conversion goal, you should configure your real conversion goals as well, or set up e-commerce and measure transactions.
Now wait for the data to come in. But please read on first.
You can choose any Multi-Channel Funnel report you like. My personal favorite is slightly hidden.
Select the MCF report, and select (it's under Other) the Campaign (or Source/Medium) Path. A true hidden gem.
In order to find total visits, select your newly created goal (on step 1).
Now you see a report of all visits for the chosen multi channel funnel paths.
In order to do proper analysis of the results, I suggest you export this report to Excel or Google Sheets. Make sure you select a fairly large number of rows, since the number of followed paths can be quite large, and you want to match up similar rows later on.
Ok, now de-select your all visits goal, and select the proper one, like transactions.
Again, save the report to Excel or Google Sheets, and you are ready to calculate the conversion rate per path. High five!
You know how to calculate conversion rate, right? It's conversion / visits. And now you have the data you want.
In the example image next to this paragraph, you'll see that the most common conversion path [ Direct > Direct ] is actually not performing really well with a conversion rate of only 3%.
The true winners here are [ Organic > Direct ] and [ 2x Paid Search ] with a whopping 10%+ conversion rate!
You can of course do these calculations in a spreadsheet. Just match up similar rows with a SUMIF or VLOOKUP. Or reply with a comment here if you use formula's that are more clever. I love spreadsheet formulas, don't be shy.
Ok, with this new addition to your Google Analytics bag of tricks, you are not only ready to report on conversion rates per path, but you can also use this to do proper conversion attribution modeling.
In a follow-up post, I explained how to use this setup, the Google Analytics API, the R language, and the brilliant ChannelAttribution R package.
Meanwhile: you can message me on Twitter, or leave a comment here if you have any questions or remarks. Thanks, and happy analyzing!
Jules, first of all thank you for the awesome post.
¿why is it necessary to measure each visit as a goal? I mean, whats the difference of doing this and running Markov directly on the MCF without visits?
There it goes. Could it be that when not doing that extra step, you do get the path, but you dont know how many times someone visit your site through direct, or through organic? Clearly I dont have deep knowledge about how MCF in Analytics works, so would be glad to hear your answer.
Thanks for your time and keep up with the amazing work.
Hi – Do you know why for Goal – Visits I am getting more than Sessions.
The conversion rate on this goal is above 100%, which shouldn't be possible.
The session counter is only going up on interactive events. My guess is that you have some zero pageview visits. Possibly spam, possibly filters, possibly bad or missing tags.
Very interesting approach! but why not use GTM to look for CID and then just fire one event for that user, instead of multiple "pageview" goals? Tracking the user instead of several pageviews is much more accurate imo. Because we all know that 99,9999% of all websites have multichannel problems because users are not linear. There no way to see for unique goals for that destination goal. Just my view.
Have you any new approach to that article?


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You are here: Home / The Bee Hive / Georgia Black Mainstream Mason Is Black Balled Again For The Second Time In His Masonic Journey
Georgia Black Mainstream Mason Is Black Balled Again For The Second Time In His Masonic Journey
October 27, 2011 by Fred Milliken 107 Comments
Sometimes lightening strikes twice – to the same spot. When it does you know that either God is in control or the fix is in. In the case of Gate City Lodge #2, Atlanta, Georgia it is definitely the latter.
You might remember the articles The Beehive published in 2009 – My Brother's Keeper, Open Racism in Georgia Freemasonry and Georgia: Not Such A Peachy Masonic State describing the machinations that the Grand Lodge of Georgia went through to try to keep out a Black African-American. His name was Victor Marshall and he was raised to the sublime degree of Master Mason by Gate City Lodge #2, after which the Worshipful Master was brought up on charges – of "allowing a non-white man to join Freemasonry" – that were approved by the Grand Master.
Since no Black Man had been initiated in Georgia Freemasonry in 275 years, the charges were interpreted that "Ancient Lights" of the Grand Lodge of Georgia prohibited Black Men from becoming F & AM. The charges called for the Worshipful Master to be expelled and the Lodge to lose its Charter. Mortified by this blatantly evil and certainly illegal affront to the Lodge, and having had first-hand experience with "Masonic Justice", David Johnston and David Llewellyn, members of Gate City Lodge No. 2 and attorneys, filed for an injunction in civil court against the Grand Lodge of Georgia.
Oooppps – The Grand Lodge never thought the public would find that out. When they did and the resulted outcry reached a clamor of disdain as the story spread throughout the nation, the plaintiffs in the case revoked their charges and the Grand Lodge of Georgia ultimately backed down deciding that was one battle they could not win.
They say by doing that one lives to fight another day. And that other day has arrived. Victor Marshall and Zeithlin Waters from Gate City Lodge #2, both Raised on the same night and having studied their catechisms together, submitted applications to the Atlanta Scottish Rite Body. Now the first thing that you have to understand about the story that will unfold here is that it is SOP to ballot on an entire class with one ballot for all. And so on November of 2010 the entire class of applications including Marshall and Waters was balloted upon. One or more black balls were cast on the first ballot. Then and only then was an individual ballot cast for each applicant one at a time. Marshall and Waters were the last two to be voted on and both were blackballed. All others were approved. No comments were made on the ballot and the two Brothers were informed that their applications were not approved and that it would be six months before they could reapply.
In March of 2011 a called Communication of the Scottish Rite Valley of Atlanta was held for the purpose of balloting on a new class. This class did not include Marshall & Waters for they were still waiting out their 6 months to reapply. As was the custom the entire class was balloted upon with one ballot. On the first ballot one or more black balls were cast. Each petition was then read individually and subsequently black balled. The whispered speculation was that Gate City Lodge members or sympathizers were striking back for the black balling of Marshall and Waters. The Personal Representative to the Grand Master rose to say how ashamed he was to be a Mason that night – thus commenting on a ballot which is actually unmasonic and a chargeable offense.
On April of 2011 at a stated meeting of the Scottish Rite Valley of Atlanta was held with business being among other things balloting on candidates once again. This vote was taken on a few new petitions as well as all of the candidates black balled in March. Again Marshall and Waters were not included. On the first ballot for the entire class one or more black balls were cast. The individual petitions were then read and balloted upon. Each petition was rejected (black balled).
The SGIG arose to speak castigating any who would use the ballot for retribution and declaring how ashamed he was of the way this process had worked out. He went on to say that whoever threw the cubes was suffering from a mental illness. He declared the ballot null and void and then took the unprecedented action of healing the ballot declaring all petitions granted. He also ordered the black balls expunged from the personal records of those who received them.
On October of 2011 a called Communication of The Scottish Rite Valley of Atlanta was held for the purpose of voting on petitions. For this called meeting a limited number of summonses had been sent out. Not everybody was called to this meeting. This was a new class of 30 with Marshall and Waters added. It had been almost a year since they had been black balled. They could not get into the spring class of 2011 as not quite six months had lapsed since they had been black balled. They had waited their 6 months and reapplied. Before the vote, the SGIG advised all called to vote their conscience. But this time around the voting would not operate in the usual manner. The entire class would not be balloted upon en masse as was the custom. Right from the start each candidate would be balloted upon individually, and Marshall and Waters were ballots number 29 and 30, the last two. In the hour and a half that ensued, twenty eight candidates were approved but the 29th and 30th, Marshall and Waters, were blackballed. Once again the SGIG rose to thank all who participated for voting their conscience. But he did not heal Marshall and Waters as he had done with the class of April 2011. He did not ask that the black balls be expunged from their Masonic records either.
This is where you can say the fix is in. The very actions of the leadership involved in this process leads to that conclusion. The SGIG and The Personal Representative to the Grand Master were only ashamed of any black balling when it did not involve Marshall and Waters. Comments were made by those in power after the balloting process in the 2nd and 3rd cases but not in the 1st and 4th when Marshall and Waters were being considered. The rules or the customary methods of procedure were changed at the leadership's whim. The SGIG could heal an entire class but he couldn't heal just two others. He could heal a whole class in one month not making them wait 6 months to be voted on again but he wouldn't extend that privilege to Marshall and Waters. In both instances where candidates were voted on individually Marshall and Waters were always the last two to be balloted upon.
Of further note, the crowd at the ballot box swelled when Waters and Marshall's petitions were being voted upon. Yet, during the two votes when entire classes were being cubed, there was an instance where a Grand Lodge of Georgia Officer stopped an entire line of voters from proceeding by refusing to move forward to cast his ballot. At one point, only three people, other than Scottish Rite Officers, were voting.
Georgia Mainstream Freemasons think they have won the second battle, round two. But they thought the same way in the first round before the publicity forced them to retreat. Here we are again fighting the same fight and calling upon all Masons nationwide to put pressure upon The Scottish Rite, Southern Jurisdiction to act in a Masonic manner, put an end to such shenanigans and heal Marshall and Waters without further comment. If we did it once we can do it again. The ball is in your court, Brother.
Filed Under: The Bee Hive Tagged With: Atlanta, black balling, Freemasonry, Grand Lodge, Grand Master, Racism, Scottish Rite
NEW GA MASON says
Change certainly can't come if I follow Brother Beehive's advice. He says on one hand that he wants GA to change, then tells me to demit and go to another jurisdiction to show my disdain. If I demit and walk away, and all those who want change demit and walk away, then it will never change. I may be a "new mason" but that doesn't make me a fool. Nor will I suffer myself to be insulted or treated like one by a another….even if he is a brother. If the people of my mind demit, then nothing will EVER change. Of course that does make for more good "articles" to write.
You say "Y'all aren't going to recognize Prince Hall", and that may be true in the immediacy..not my decision Beehive…I have no GL vote. Quitting insures that as well.
Jim Greenwood says
they will tell you that you are not blackballed, but they won't renew your membership card. The run around. If you demit or move to another jurisdiction it looks like you did something wrong when you didn't.
I was an officer in the blue and the scottish rite. When WM solicited me in lodge with a fishy sounding gasoline buying scheme involving his son in the midwest I didn't appreciate it. I was raised AF*AM where this is not allowed,. However I was at an AF*M lodge in Yorba Linda, CA.
I asked my superior officer if he had been solicited to as well. He said yes, and that he didn't appreciate it either. Guess what? Neither one of us got our memberships renewed. I was given the runaround about my former lodge. Former lodge says they they don't know anything about it. Bottome line, WM _______ thought I was going to write the GL and complain.
I was the newest member, the lowest officer and felt intimidated by this solicitation. It was his first time as WM. I was the captain of the guard with the scottish rite in santa ana. I loved it. All gone now. My life is ruined. I love freemasonry and did nothing wrong.
Cronies run it now. Mostly vets and english torries. the principles are still old, grand and good but greedy new WM's can ruin a mans masonic career. In my case a very long, multi-generation career. I was told I was on my way to becomiing the youngest grandmaster in California and have a Grandmaster in my family history. two actually.
YL469 is refractory. ________ should be blackballed, not me. May the sun never shine on YL469. Sincerely, solemnly. I remain and upright man.
ED Lamour says
Victor Marshall, a Master Mason and My Brother, is now Worshipful Master of Gate City Lodge No. 2 of Atlanta, a Regular Lodge of Free & Accepted Masons working under the Jurisdiction of the Grand Lodge of Georgia.
There may still be racists but there is no bigotry in our Grand Lodge.
ED Lamour, SW
Mableton Lodge No. 171
Errol Allen says
If this is truly racism, which it sounds like it is, it is an utter disgrace to the essence Freemasonry worldwide. Know that in other countries in the world this kind of racism does not exist. Wake up, it's the 21st century or further obscure the Light of us all. Sad indeed that this exists.
Zelick Taylor says
I really think this id a disgrace that this is oing,on in our entire order…we are all under the same umbrella,as brothers we need to start acting like it….S.M.I.B…/G\…
Recognition, History and the Masonic Path Less Traveled, an Interview with Fred Milliken | Freemason Information says:
[…] Victor Marshall and Gate City Lodge No 2 in Atlanta with the Georgia Grand Lodge who were ready to expel a Black man who "accidentally got raised" to be a Georgia Mainstream Master Mason. It was then we […]


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She's Zeus' daughter... not really an Amazon like Wonder Woman.
Didn't Zeus have a whole bunch of kids?
Yeah, well half-brothers really. And one of them is Ares who's like a god. So she's pretty much screwed.
Then she should enlist Kratos for aid.
It's alright, she's a hero and will probably win in the end anyway.
Not when Kratos turns on her!
Since, you know, that's his thing. Slaying gods and stuff.
Uh...Off topic, but when are you going to have a new disease, Kildred? your current one is making me scared. It's too spreadable.
Ah, I generally go for a new disease every day. I roll die for how contagious it is.
Yay...Can you pick some that...aren't contagious at all?
Most disease are contagious to a degree, but I actually hadn't considered having one that wasn't.
Well, now I need a new die.
And, just get a cold. Or cancer. Cancer isn't contagious.
By the way, I found my old blankie, so you can go ahead and be contagious...I think.
Well, maybe my cancer is contagious.
Besides, I've thought up a system for resisting my diseases. Whatever your powers relate to gives you a natural resistance to certain diseases.
And, I hope your cancer isn't contagious...that'd confuse those cancer research guys so much, we'd never cure it.
You know that some forms of bacteria can survive in extreme heat, and some in extreme cold, right?
Maybe I'll create pseudo-cancer. Acts like cancer, but it isn't.
I think you've officially scared me with this...Maybe I should do a 2 layer wrap. one of REALLY hot, one of REALLY cold...That should work.
And with my mutating power, I make a virus that survives both in succession.
I do believe that's the point.
By the way, just asking, but would you like to be my archenemy?
And, don't make it survive both...I'm a teacher. I've got to go to school...I don't want to make the kids sick!
I suppose, though my character is officially turning neutral once I get my 150th post.
I'm just saying that it's within my abilities.
Also, how can you control temperature to that degree? That's a little overpowered.
That's my power. I control temperatures. I can't reach absolute 0 itself, but I can get close. That degree, maybe not. But, I can get it pretty close.


Confession: Before today, the last time I turned on my laptop was February 24.
Yes, hello, I am back from an unplanned digital detox!
The last two weeks have been spent playing catch-up with life, post-chickenpox house arrest. The kiddo has been doing his best to keep up in class, and make up for everything that he missed. Meanwhile, I've been focused on chores and errands, and getting food on the table as always. I was beyond excited when I finally got to go to back to the market. Lol.
In between all of that, I celebrated another birthday, had my hair cut, got a new pair of glasses, and spent time with family and some of my best girlfriends. I think it's safe to safe that we are now, finally, back to regular programming.
New hair, new glasses, old friends at Bread and Botany.
Since life is back to normal now, meal planning has also resumed. Instead of my usual day-by-day food schedule, though, I am now just making a general list of dishes that I plan to prepare for the week. I find that this is easier on me as far as thinking goes. it's also more flexible, and flexible is always good.
This coming week, as always, we have a mix of old favorites and new kitchen experiments that I've been wanting to try. I'm not packing lunch for the kid since it's exam week, so I'm not pressured to think of dishes that also work well as baon. Yay for that.
This week's meal roundup, as posted on my kitchen fridge!
I tend to think ahead to leftovers whenever I plan meals because there are times when I just don't feel like eating the same thing twice. This is why I love making roast chicken – and I do make this a lot. There's just so much that you can do with whatever meat you have left. It isn't unusual for me to keep bags of shredded leftover roast chicken in the freezer, ready and waiting for reincarnation.
Chicken ala king, stir-fried chicken in garlic and oyster sauce, and chicken spaghetti are just some of the new forms that my leftover roasts have taken. I also save the carcasses and use them to make stock. I feel like being in the kitchen really pushes me to be creative, and I love that.
Here are links to some of the recipes I'm using this week, too, in case you want to make them at home. Ah who am I kidding, it's actually for me, so that I know where to find them when it's time. Lol. Momnesia.
I know that I spend a lot more time planning our meals and working in the kitchen than most moms would like to, which because I really enjoy it. And because I do very little cleaning. I know I should clean more often but I'd honestly rather be cooking.
What's cooking in your kitchen this week?


The City Council in Bell, where GrowGood is located, will consider a plan by the Cemex Corp. that would lead to 500 open trucks traveling 24 hours a day, seven days a week filled with gravel along the small street that runs between the farm and the Bell Shelter. The trucks would be filled from a train that would run at the back of the farm.
Imagine the fumes and the dust and the noise such an endeavor would create. We think it would risk the very existence of the farm and the community we have spent years building, often with the help of many of you.
During the course of the planning for this, GrowGood never received any notice of the plans, nor do we find that an environmental impact study was conducted.
If you can come to the City Council meeting, it will be held at 7 pm on Wednesday at 6250 Pine Avenue. Bell, California 90201. When you arrive, if you fill out a blue card, you can have up to three minutes to speak. Please speak. Let the council know how important the farm is. If you cannot come in person, please email all five council members. See an email template below. Please feel free to make changes to it as you see fit.
We are so very grateful for your support as a donor or a volunteer. We hope you will take this step to help GrowGood continue to thrive.
My name is __________________________ and I am the _________________ of the ___(organization/business)_______that does _________________.
I am writing you today as a supporter of GrowGood. We strongly oppose the City of Bell's approval of the CEMEX project for many reasons. As you know, GrowGood has received wide recognition for creating an urban farm adjacent to one of the largest homeless shelters west of the Mississippi. This recognition includes awards from UCLA, USC and grants from many large and small foundations. GrowGood's support goes way beyond funding. GrowGood is a place where your children, family members and friends come to learn and work. Thousands of volunteers from church, school and community organizations visit the farm. GrowGood means to be a model, and hires and trains residents of the shelter in skills they carry on into jobs in any field.
The Cemex mining distribution project will effectively destroy GrowGood for many reasons. First, it will create unsafe working conditions for GrowGood's farm employees because 350-500 trucks a day will pass about 100 feet from GrowGood on K Street. These trucks will greatly increase the air pollution from diesel exhaust and dust from the truck beds. Second, GrowGood's mission is to support the shelter with hyper-local food. This means constant trips across K street. As well, many shelter residents cross the street to visit, volunteer or work on the farm -- and many of those residents are working with mental and physical issues, including PTSD. The safety of our staff, the shelter clients and our volunteers will be at risk. Third, GrowGood provides thousands of pounds of food for the shelter, worth about $20,000 a year. Who will make up that value?
There are few real urban farms in Los Angeles County. There are even fewer like GrowGood, which demonstrates a commitment to addressing the grave challenges that homeless individuals face by assisting them along the path to stability and self-sufficiency. There is a homeless crisis in Los Angeles County. We need organizations like GrowGood and The Salvation Army to continue the fight. We urge you not to approve the CEMEX's project unless CEMEX takes significant measures to protect the interests of the Bell Shelter and GrowGood's farm. Please don't jeopardize the decades of work that have gone into the wonderful projects that are the Bell Shelter and GrowGood.


As an independent platform JUMP offers young adults opportunities for participation, capacity building and personal orientation in the area of environment and sustainability. The thematic focus is put on volunteering, career orientation in the green job market, project management and youth participation. Our offers contain long, middle and short term activities as well as training courses and assistance for projects.
JUMP was founded in 2011. For more detailed information about our non-profit organisation "JUMP" you can look up our >> FAQs (german).


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Iran, Turkey Oppose US Attack on Iraq - 2002-09-01
Iran and Turkey, two countries who have their own long-standing differences, have joined in voicing opposition to any American assault on Iraq.
Key U.S. ally Turkey and Iran, which President Bush describes as part of an "axis of evil," agreed Sunday that they want the U.S. to work out its differences with Iraq through "peaceful means." The foreign ministers of the two countries, meeting in Tehran, said "any change [in Iraq] must be decided by the Iraqi people."
Iranian Foreign Minister Kamal Kharazi described the Iraqi regime as "unpredictable" and said over the past two decades it had caused much damage to countries in the region, an obvious reference to the 1980-1988 Iran-Iraq war and Iraq's 1990 invasion of Kuwait.
But "this should not justify any interference in the affairs of Iraq," he said. The foreign minister also called for consultations between Turkey, Iran and other neighboring countries as a way of "preventing a bigger crisis in the future."
Turkey, a NATO member, has allowed American warplanes to use its air bases to patrol the "no-fly" zone over northern Iraq but has steadfastly opposed the use of military force against Iraq.
Turkey has had its own differences with Iran, which it accuses of sheltering members of the rebel Kurdistan Workers Party. Tehran denies the charge.
Dr. Abdel Moneim Said, head of the al Ahram Center for Political and Strategic Studies in Cairo, says that despite their differences over some issues, Iran and Turkey are unified on the question of an military strike against Iraq because both fear it would lead to a division of Iraq that would result in the formation of an independent Kurdish state."
"They have always expressed an opposition for an independent Kurdish state in northern Iraq," said Mr. Said. "So there is something that is highly strategic that binds these two countries because any kind of secession from Iraq or division of Iraq will lead to more secessionist movements in the south of Turkey and the northwest of Iran."
Iran has called on Iraq's neighboring countries to urge Iraq to adhere to United Nations resolutions, including cooperation with weapons inspectors who left Iraq in 1998.


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By Livvy Houghton, Alex Hawkins and Holly Friend
Tide creates packaging for e-commerce, Google put celebrities in your photos with AR and smartphone gambling is booming.
Mastercard unveils its sonic brand identity
Public Goods unites DTC products under one membership
Tide introduces eco-packaging for e-commerce
Google augments the fan experience with Playmojis
Stat: Gambling spend is fuelled by mobile devices
Thought-starter: Can gyms use people power to become energy-efficient?
Master Soundscape by Mastercard
US – The financial services company has introduced an audio identity that will encourage brand recognition across physical, digital and voice touchpoints.
Having recently made the transition to a wordless logo, Mastercard's sonic identity is the next stage in its attempt to simplify and streamline the brand. The melody will be used across several brand assets: as an audio logo, for holding music and as a point-of-sale acceptance sound when a person pays with a Mastercard.
'Sound adds a powerful new dimension to our brand identity and a critical component to how people recognise Mastercard today and in the future,' says Raja Rajamannar, chief marketing and communications officer. To ensure the melody will resonate across different cultures, Mastercard has enlisted a number of global musicians to create more regional interpretations.
As the Voice Retail Market continues to grow, brands need to consider how they connect with consumers through sonic branding. By turning its attention to audio strategy, Mastercard is looking to preserve its presence in a less visual commercial landscape.
Public Goods, US
US – Public Goods customers, who pay £46 ($59, €52) a year for membership, now have access to healthy food in addition to personal care items and households goods.
The direct-to-consumer (DTC) start-up now stocks 60 organic products, ranging from extra virgin olive oil to split pea soup. Each week, more items, such as granola, tuna and pasta, will be added to the inventory.
While other DTC brands offer quality goods at an affordable price, they often stock only one product category, such as razors or sanitary products. By expanding its offer, Public Goods hopes to consolidate affordable products in one place and under one membership scheme. As founder Morgan Hirsh explains in a recent interview with Fast Company: '[Previously] you would buy razors from one place, tampons from another, then go to another website to get your dog food and then yet another to get your vitamins.'
Elevating the idea of the dollar store online, retailers are exploring how they can democratise quality and bring premium products to the mass market.
Cincinnati – The detergent brand has created new eco-packaging for its concentrated liquid laundry detergent, designed specifically for e-commerce.
Made with 60% less plastic and 30% less water than the standard 150oz Tide press-tap, the Eco-Box has been created to reduce the shipping footprint of Tide's products sold online. The box is delivered in a sealed, shipping-safe cardboard box containing a sealed bag of detergent and a no-drip twist tap.
'We know that the last mile remains the biggest challenge both economically and ecologically in e-commerce,' says Isaac Hellemn, brand manager for e-commerce innovation in Procter & Gamble's Fabric Care group. 'The Tide Eco-Box is designed to keep the convenience of online shopping for the consumer but reduce the overall impact of that convenience on our environment.'
As an increasing number of FMCG products are sold directly to consumers through online portals, brands are rethinking how they package their products. We explore post-shelf packaging in our Subconscious Commerce macrotrend.
Tide Eco-Box E-commerce packaging
Playmoji Dance-Off with Childish Gambino, Google Pixel 3
US – Childish Gambino is the latest interactive character that Google has added to its Pixel camera with augmented reality (AR).
The new Playmoji is part of Google Pixel's Playground tool, which, using the phone's AR capabilities, brings animated characters to its camera. Fans of Childish Gambino can now add the rapper into their photos or videos by simply pointing their camera and dropping him into the scene.
The avatar's dancing mimics Childish Gambino's real-life moves, with ARCore's motion tracking technology allowing fans to dance with him in their own videos. His facial expressions also react in real time, evolving through machine learning.
The Playground tool points to a future of both entertainment and AR-enabled fan experiences. While avatars have been employed as brand ambassadors, news anchors and even museum guides, Google shows how this technology could change how we interact with our idols.
Gambling is increasingly a mobile-first activity, according to a new report by software company Iovation. The study, which analysed more than 518m transactions, found that 70% of online gambling transactions are now made using mobile devices. Furthermore, financial transactions processed via mobile devices grew at an average annual rate of 95% from 2012 to 2018.
As gambling becomes more mobile – and arguably more frictionless – FinTech companies are experimenting with ways to re-introduce spending and access limits. In December 2018, Barclays became the first traditional bank to offer in-app controls that allow customers to block their own gambling spend.
Gyms are harnessing the power of people's workouts to generate energy consumption and demonstrate their environmental credibilities.
As the global shift towards renewable energy sources accelerates and consumers help to drive a global sustainability movement across sectors, fitness brands are recognising an opportunity to demonstrate not only how they can boost the health of people, but also that of the planet.
The next logical step for gyms is to harness the vast amount of energy expended within their four walls as sweat equity. At this year's CES, SportsArt introduced the world's first energy-producing treadmill as part of its Eco-Powr line. Walking, jogging or running on the machine can generate up to 200 watt-hours of electricity, which is enough to power a 40 watt light bulb for five hours.
'We noticed a gap in sustainability present in gyms and knew we had to do something about that,' says Ivo Grossi, CEO of the Americas for SportsArt. 'We took the treadmill, a staple in fitness, and incorporated revolutionary technology that would not only reduce energy consumption, but actually produce it.'
Read the full Eco-fitness microtrend here.
Skillmill by Technogym


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Barnin – osada wsi Będzinko w Polsce, położona w województwie zachodniopomorskim, w powiecie koszalińskim, w gminie Będzino, w obszarze chronionego krajobrazu Koszalińskiego Pasa Nadmorskiego.

W latach 1975–1998 Barnin położony był w województwie koszalińskim.

Przypisy

Będzinko

redpajama_set_name: RedPajamaWikipedia


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Nichols: Here's why the NCAA got it wrong by not expanding the women's championship to 30 teams, which is what the men get
Title IX celebrated its 50th anniversary this year, yet the fight for common sense decision-making when it comes to women's sports rages on.
Earlier this week, the NCAA announced that the field at the Division I Women's Championship would increase from 24 teams to 27. This was done to "provide an equitable championship access ratio across both Division I men's and women's golf."
Except, in the minds of many, it did not provide equity. Many believe that because the men have 30 teams at nationals, the women are still being short-changed. In other NCAA championships, the field size and setup mirror each other for the men and women after the opening round. In golf, it does not.
"I think, in general, we use equity when we're trying to help the underserved or underrepresented get gains," said Rutgers head coach Kari Williams. "In this case, we're using equity to penalize the women."
Here's how it currently works: The NCAA postseason begins with six regional fields for men's and women's golf. A total of 81 men's teams and 72 women's teams advance to regionals. This gives both the men and women 27 percent of the total number of Division I programs in NCAA postseason action. (Think of this like the first round of the men's and women's college basketball tournament.)
The NCAA bases its access ratio to the postseason on sport sponsorship (how many schools have teams). The breakdown is equal in men's and women's golf at 27 percent in Round 1.
But when it comes to how many teams advance to Round 2, the women had 24 move on to Arizona's Grayhawk Golf Club in 2022 while the men had 30.
Trophies are lined up on a table at Grayhawk Golf Club in Scottsdale for the 2022 NCAA Div. I Men's Golf Championship. (Photo: Golfweek)
Last February, the Division I Women's Golf Committee recommended to the Division I Competition Oversight Committee that the women's field at the finals site be increased to match the men at 30. In April, the COC tabled the discussion. They got back to it in June (after the championship) and denied the request, noting that "the number of student-athletes at the finals should be based more on sport sponsorship (which is greater for men's golf than for women's golf) than as a comparison to men's golf."
The Women's Golf Committee came back in July and put forth a recommendation to raise the number to 27, noting that the men's and women's fields would then be equal from a sports sponsorship standpoint at 10 percent. (Total budget impact of three additional teams was an estimated $46,000.)
The NCAA agreed to increase the field to 27 teams, calling it an "equitable championship access ratio across both Division I men's and women's golf."
But here's the thing: The women are being penalized twice for having fewer programs.
What's more: It doesn't work like this in other sports, even in those where the total number of women's programs outweighs the men.
For example, in soccer there were 203 men's teams and 337 women's teams eligible for the postseason. The first round of the soccer championship included 48 men's teams (24 percent) and 64 women's teams (19 percent). After that initial reduction of teams in the first round to account for the access ratio, the championships mirrored each other.
Thirty-two teams advanced to Round 2 for both men and women.
Not only did the same number of teams advance for both genders, the access ratio in the second round once again favored the men at 16 percent compared to 9 percent (despite the women having more teams across the country!).
There were more women's tennis teams (300) than men's tennis teams (233) that were eligible for the postseason this year. The brackets for both championships were the same, with each Round 1 starting with 64 teams. The access ratio here favors the men in Round 1 at 27 percent to 21 percent for the women.
USC after winning the 2022 NCAA Stanford Regional. (Photo: USC Women's Golf)
Frustrations for many in women's college golf right now center not only around the fact that 27 teams aren't enough, but that 27 creates a numbers headache.
"It's a hard math problem when you have six regional sites and 27 advance," said Ohio State coach Lisa Strom.
The NCAA plans to implement a strength-of-field metric into the selection process "to ensure maximum balance and fairness at six regional sites." Three sites will advance four teams and the remaining three will advance five.
In addition, the tee sheet at Grayhawk will be imbalanced between the two waves. Advancing 27 teams simply isn't as clean and workable as an even number like 30.
"I don't even want to go there," said TCU head coach Angie Larkin. "I would love for them to change it to 30 right now."
And there's plenty of time for the NCAA to reverse course before May.
This will no doubt be a hot topic of discussion next week at the Women's Golf Coaches Association member convention in Las Vegas.
COC chair Renee Baumgartner, former women's golf coach at USC and Oregon and current Santa Clara athletic director, reiterated to Golfweek that the decision was based on sponsorship numbers and being consistent across the board. When asked about other sports like tennis and soccer, Baumgartner said, "It's not apples to apples, in a sense, for bracketing."
While the bracket portion of golf doesn't start until the quarterfinals, the number of total teams at Grayhawk (27 and 30) is in the ballpark of a typical Round of 32 bracket in many other sports.
The Women's Golf Committee certainly could've provided more of a statistical analysis when it first recommended the move to 30 teams back in February. Something beyond the fact that the women "deserve" it.
A comparison to other sports and a reiteration that the difference in sponsorship numbers is addressed the first round, and that further cuts shouldn't be required, needed to be addressed along with the simple question: So what if the women's championship has 11 percent of teams at Grayhawk compared to the men's 10 percent?
Women have been and continue to be behind percentage-wise in so many other areas, why does a 1 percent advantage matter so much here?
There are times when a step in the right direction should be celebrated. And while the increase to 27 teams creates more opportunities for student-athletes, this is not one of those times.
"During my four years on the DI Women's Golf Committee (2003-2007), we continually talked about why the women should have the same number of teams as the men at regionals and the NCAA Championship," said Pepperdine head coach Laurie Gibbs, whose teams have qualified for regionals for 23 consecutive years.
"With all the discussion of equity over the last three years, it is time for the numbers to be equal."
There's a standard being applied to women's college golf that is not found across the board in the postseason. The Women's Golf Committee should go back to the COC in short order and again ask for 30 teams. Perhaps it's also time for student-athletes, especially those on teams who will easily advance to nationals, to use their platforms to push for 30.
There's simply no excuse for anything less.
Division I competition Oversight Committee
Division I Women's Golf Committee
Women's College Golf
Go For The Green With These Excellent Golf Tips
2022 Hero World Challenge tee times: Round 3 pairings for Saturday


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Oh My Goddess! (Ah! My Goddess) The Movie Ver. Shochiku - B2 size Japanese Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. No tears, No holes. Minor border creases and very small stain.
The Cat Returns - Studio Ghibli - B2 size Japanese Anime Movie Poster
Size: B2 (51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. No tears, No holes.
Rurouni Kenshin Samurai X Requiem for the Ishin Patriots - B2 size Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used, good condition. Small creases and border creases. Please check photos. Movie poster
P3 Persona3 The Movie #1 Spring of Birth - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used, good condition. Minor tape stain at top left corner. Minor border creases. Small creases from top to bottom. Slight fold lines at bottom left. Please check photos. Movie poster
Dirty Pair, Bats & Terry - B2 size Japanese Anime Double-sided Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but Good condition Small damages Small chips at corners Small creases Please check photos Movie poster Double-sided poster
DanMachi Arrow of the Orion - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition Minor border crease Please check photo Movie poster
Boys Over Flowers Hana Dan Hana Yori Dango - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. Small wrinkles.
Appleseed Alpha - B2 size Japanese Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. No holes, no tears.
AKIRA - Katsuhiro Otomo - B2 size Japanese Anime Movie Poster #199089-013
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. No tears, No holes. Tiny fold crease at top right corner. Movie poster. I think that this poster is not an original.
Code Geass Lelouch of the Rebellion Episode I - B2 size Japanese Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but good condition. Small border creases. Minor fold line. This poster was made for announcement of Movie.
Fate Grand Order Wandering Agateram - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition Minor border creases Please check photos Movie poster
Hello World TOHO - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used, very good condition. Minor border creases. Please check photos. Movie poster.
Fate/stay night Heaven's Feel II Lost Butterfly - B2 Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but good condition Some folding lines at top right and bottom left Minor scratches Minor border creases Minor wrinkles Please check photos
I Want to Eat Your Pancreas, Kimisui - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition Movie poster.
MACROSS Do You Remember Love? - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used. Good condition. Dirt at bottom white area. Tiny chip at top left. Wrinkles.
Mary and the Witch's Flower - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition.
NARUTO Shippuden the Movie - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. No tears, No holes. Slight fold wear.
NAUSICAA of the Valley of the Wind Toei Ver. A - B2 size Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used, good condition. Small damages at right top border. Small border creases. A tear (2cm / 0.8inch) at center of left border. Stains at back side of poster. Please check photos. Movie poster.
Silent Moius - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. No holes, No tears. Small scratches at top right. Small crease at bottom left. Movie poster.
Royal Space Force: The Wings of Honneamise - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. Minor crease at top of center. Please check photo.
SLAM DUNK Toei Anime Fair 1994 Summer - B2 size Japanese Anime Movie Poster
SLAM DUNK Toei Anime Fair 1994 Spring Ver.A - B2 size Japanese Movie Poster
Slayers The Movie - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used, good condition Minor dirt at top right. Very small damage at top left corner. Please check photos. Movie poster
The Five Star Stories - B2 size Japanese Anime Movie Poster
Size: B2 (Approximately 51 cm x 72.5 cm / 20 inch x 28.5 inch) Condition: Used but very good condition. No holes. Movie poster.


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Nostalgia Rules: Hasbro Announces Top Gun Transformer and New X-Men Figures
Hasbro has announced two big movie pre-orders this week, both from franchises that started decades ago! Another crossover promotion, this time with the long awaited sequel Top Gun, and on the 20th anniversary of the X-Men film franchise, they've revealed a new set of figures based on their cinematic debut.
Top Gun, which has only recently had any presence on the toy shelf, has teamed up with Hasbro Pulse to release a unique Transformer figure, aptly named Maverick. This voyager class figure turns from a detailed F-14 Tomcat jet to a 7" robot with a fighter pilot helmet-shaped head. It comes in unique Top Gun packaging with missile accessories, a miniature pilot and motorcycle, and a volleyball that can peg into Maverick's hand! Said volleyball not being named Spike is a missed opportunity.
Going a mere 20 years back for their next release is X-Men, from their first big screen appearance: Wolverine, Mystique, and a 2-pack of Magneto and Professor Xavier. Wolverine comes with a swap-able head and hands, Mystique has a swap-able arm and hands, and the Magneto/Xavier set comes with a wheelchair, multiple heads for the two sets of actors whom have portrayed them across the franchise, and several hands. Marvel Legends didn't start until 2002 with Toy Biz and even then the sculpt and paint left a lot to be desired. If you have a Mystique with Wolverine skin suit figure still intact, it may be time to evolve!
Last years Ghostbusters crossover figures and comics, as well as the recent Back To The Future Gigawatt figure, Hasbro has been going after fans of all franchises that they can get the license to...which is a lot. The X-Men figures are available through most online retailers and directly from Hasbro Pulse, while Maverick is exclusive to Hasbro Pulse.
With SDCC having a virtual convention this year, the release schedule and announcements in the toy department may not change much. Comics, films, and television all have to struggle with production, filming, theaters, and sales, but online or retail products are seemingly on schedule. Top Gun: Maverick the movie is delayed until December 2020 but releasing this crossover figure seems to be more timeless than the ill-fated sales that befell G.I. Joe Retaliation and its early release of figures.
Tags: action figures, anniversary, hasbro, hasbro news, maverick, news, tom cruise, top gun, toy news, transformer, transformers, x-men, xmen at 7/15/2020


+ Customer's engine was dying while cruising down the road and you can see very little response in engine RPM to modulation of throttle.
+ **NOTE:** This seems to be a 5 or 6 year-old MAP sensor with unknown history to it. These Omni 4-bar sensor really don't fail very often.


Just have some numbers in mind: one in 400 trillion.
The probability of you being born.
From another point of view and for the ones who love mathematics, it goes like this: 102,685,000 . As a comparison, the approximate number of atoms in the known universe is 1080.
What is even more wow and what led to the fact that you are now a living and breathing individual is the probability of your parents ever meeting. It is 10,000 divided by 200 million, or one in 20,000.
Just to make you understand your worth. How much costs your every breath or your every blink, if the international currency would be time, instead of money.
You should be smiling more, do more good, be present in your own life, which is worth more than what you earn daily, weekly or monthly.
Of course there were, are or will be times in life when you will feel down, but there is nothing good music and good company can`t fix. Surround yourself with family and friends, true friends. Acknowledge their love and appreciate it, don`t make the mistake of taking it for granted.
If you ever feel down again, listen to this – we hope it will give you the motivation you need, along with the numbers we crunched in this article.
Now go live, feel and act like the amazing miracle you are!


The surprising photo below, is part of New 2018 Chrysler 200 Review And Release Date publishing which is categorized within Chrysler, 2018 chrysler 200, 2018 chrysler 200 limited, 2018 chrysler 200 for sale and published at June 12th, 2018 14:30:25 PM by rebecca.
2018 Chrysler 200 she says, he says review. The Japanese brand's third string large SUV has been given an upgrade?
The question of why you'd buy a 2018 Chrysler 200 isn't at issue here and now. Rather, why would you buy the 2018 Chrysler 200 with a manual transmission? The price is probably the easiest answer, which we'll get to in a minute.
Standard equipment for this base model includes: 17-inch alloy wheels, rear parking sensors, a rear-view camera, LED tail-lights, cruise control, 7.0-inch touchscreen infotainment system, seven seats, Bluetooth phone and audio streaming, cloth trim and rubber floor mats. There's no Apple CarPlay or Android Auto, which again begs the question why 2018 Chrysler 200 would provide older-style infotainment systems in lieu of a dumb screen that delivered smartphone integration – especially at $40K plus.
The cabin, the seating, the dash design and comfort levels all exceed the HiLux regardless of specification. There are some hard plastics and touch surfaces, but that's par for the course on much more expensive 4WDs, let alone at this end of the pricing spectrum. You'd be more inclined to take the 2018 Chrysler 200 bush bashing than a vastly more expensive vehicle, let's put it that way.
2018 Chrysler 200 owners will probably head off-road, they will almost certainly do some touring, and that means long stints behind the wheel with partners or family in tow. The front seats are comfortable, but the base infotainment and driver's gauges are pretty average with very little in the way of information or inherent quality.
You'll be able to crawl around town in traffic in second gear most of the time too, minimising the amount of rowing you need to do on the shifter in traffic. There's an Eco mode available, but we didn't find it made any kind of discernible difference to fuel usage, so don't bother with it. The brakes feel solid too, with better pedal feel than the Prado we tested back-to-back with the 2018 Chrysler 200.
Here is fundamental chapter on 2018 chrysler 200 convertible. We have the prime sources for 2018 chrysler 200 convertible. Check it out for yourself! You can acquire Best 2018 Chrysler 200 Review guide and read the latest New 2018 Chrysler 200 Review And Release Date in here.


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The lost road and other... »
The lost road and other writings: language and legend before "The lord of the rings"
Tolkien, J. R. R. (John Ronald Reuel), 1892-1973.
History of Middle-earth volume 5.
Houghton Mifflin,
Main Library - Adult Non-Fiction
823.912 T6499hz v.5
1987. Houghton Mifflin, viii, 455 p. : ill. ; 23 cm. English
At the end of the 1937 J.R.R. Tolkien reluctantly set aside his now greatly elaborated work on the myths and heroic legends of Valinor and Middle-earth and began The Lord of the Rings. This fifth volume of The History of Middle-earth, edited by Christopher Tolkien, completes the presentation of the whole compass of his writing on those themes up to that time. Later forms of the Annuals of Valinor and the Annals of Berleriand had been composed, The Silmarillion was nearing completion in a greatly amplified version, and a new map had been made; the myth of the Music of the Ainur had become a separate work; and the legend of the Downfall of Numenor had already entered in a primitive form, introducing the cardinal ideas of the World Made Round and the Straight Path into the vanished West. Closely associated with this was the abandoned time-travel story, The Lost Road, which was to link the world of Numenor and Middle-earth with the legends of many other times and peoples. A long essay, The Lhammas, had been written on the ever more complex relations of the languages and dialects of Middle-earth; and an etymological dictionary had been undertaken, in which a great number of words and names in the Elvish languages were registered and their formation explained - thus providing by far the most extensive account of their vocabularies that has appeared.
Fantastic literature, English
Middle Earth (Imaginary place)
Middle Earth (Imaginary place) -- Literary collections
Tolkien, Christopher.
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History of Middle-earth
History of Middle-earth|5
The lost road and other writings : language and legend before "The lord of the rings"
The lost road and other writings : language and legend before "The lord of the rings" / J.R.R. Tolkien ; edited by Christopher Tolkien
The lost road and other writings :
language and legend before "The lord of the rings"


Your pup may still be learning his manners and how to be a dog, so what better way than to have them learn from other dogs? At Dogtopia Mississauga, your pup will learn the do's and don't's of doggy etiquette.
Daycare is perfect for your puppy to start socializing with other dogs.
Daycare for your dog is like people going to a gym on a membership. By going consistently to the gym, you feel more better with exercise and meet people who have the same lifestyle. But when you miss a day that you scheduled to go to the gym, it throws you off of a routine. This can be compared to a dog's daily routine.
What can your pup learn at daycare?
How to be a dog: Puppies are curious and learn from people and dogs around them. By exposing them to other dogs, they could learn what are the appropriate manners that would make a dog, a dog.
How to play: There are many ways that dogs could play, and sitting at home doesn't let your pup explore those options. It's by having them come to Dogtopia, they get to find out what they like most when it comes to playing with other dogs.
Their best friends: Your dog can learn who they're most compatible in playing with and create friendships so they'll never feel left out when they meet new dogs.
Confidence: Confidence is huge for a dog, to make them the happy and friendly companions.
Puppies are full of energy and daycare also acts as an outlet for them to let out that energy. When they're left at home alone, puppies need something to do because they're so bored and that could mean you'll be coming home to chewed furniture.
Bring your puppy to dog daycare at Dogtopia and by the end of the day, they'll be tired, and you won't have to worry about it.


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Just in time for Christmas: Retail IT.
In retail, there's an ongoing angst about the shift from producer-oriented models to consumer-oriented models and what that implies for retailers everywhere. Producers that depend on controlling pricing information to turn a profit have a lot to loose in the face of a perfectly informed...
Guarding against patent enforcement
An alleged patent infringer should check whether anyone in the company was involved in the design or manufacture of the product or process at issue....
Praise for the principles of Peter
Peter Drucker died on November 11 at the age of 95. With his passing the world has lost one of our greatest thinkers. Drucker was a rare breed – a researcher and management advisor who believed in the human and societal responsibilities of business yet...
InvestMidWest calls for business presentations
InvestMidwest Venture Capital Forum has issued an open call for companies interested in presenting their business plans before venture capitalists, corporate and private investors, and investment bankers, at their upcoming gathering April 5-6 in St. Louis....
Cedara Software in partnership with i-Dent Imaging
Cedara Software, a Merge Healthcare developer of medical software technologies, announced a strategic partnership with Ft. Lauderdale-based dental imaging company, i-Dent Imaging Inc. Under the terms of the agreement, Cedara will be an exclusive global channel for i-Dent's dental implant technology....
Madison top-ranked In Digital Cities Survey
The City of Madison has been awarded the top ranking for a mid-size city in the Center for Digital Government's 2005 Digital Cities Survey, an annual review of how city governments are utilizing information technology. The annual survey is conducted by the Center for Digital...
State web site needs overhaul
Matt Miszewski, Wisconsin's CIO, admits that the State of Wisconsin's web site has some distance to cover before it compares with the user-friendly offerings of other states. Miszewski says the portal needs to be replaced. ...
Chippewa Valley receives state grant for nanotech incubator
Chippewa Valley Technical College (CVTC) will receive a $500,000 grant from the Department of Commerce to establish a $5.5 million nanotechnology incubator on their Gateway Manufacturing Technology Center in Eau Claire. Nanotechnology is the study and design of systems at the scale of the atom....
Does location matter anymore?
Pundits and marketers have been hyping "any time, anywhere" computing for years, but a popular perception remains that if you are starting a technology company, "anywhere" needs to be spittin' distance to one of the nation's technology centers: Silicon Valley, Seattle or Boston. You might...
Two UW-Madison professors named to National LambdaRail Networking Research Council
Two UW-Madison computer science professors, Paul Barford and Lawrence Landweber, will serve on National LambdaRail's Networking Researching Council, which will make key policy decisions regarding the high-speed network's research goals. ...


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Quick Answer: Where Do The Cranial Nerves Exit The Skull?
The hypoglossal nerve (XII) exits the skull using the hypoglossal canal in the occipital bone.
Exiting the skull and extracranial course.
jugular foramen Glossopharyngeal (IX) Vagus (X) Accessory (XI)
hypoglossal canal Hypoglossal (XII)
Where do cranial nerves enter and exit?
Cranial Nerves. The cranial nerves are composed of twelve pairs of nerves that emanate from the nervous tissue of the brain. In order reach their targets they must ultimately exit/ enter the cranium through openings in the skull.
Do some cranial nerves travel out of the skull?
The first two cranial nerves, the olfactory nerve, and the optic nerve arise from the cerebrum, and the remaining ten nerves originate in the brain stem. The nerves then travel from their origin to various body parts in your head, face, mouth, and — in some cases — in the periphery of the body.
What foramen do the cranial nerves pass through?
Cranial nerves IX, X, and XI, originate from the brainstem and exit the cranium via the jugular foramen. These nerves originate from the medulla, the inferior most portion of the brainstem. Cranial nerve IX courses laterally and anteriorly away from the superior medulla and exits the jugular foramen.
Where does cranial nerve 5 exit the skull?
It exits the skull via the foramen rotundum and crosses the pterygopalatine fossa to enter the orbit through the inferior orbital fissure, where it becomes the infraorbital nerve.
Where does the optic nerve exit from the retina?
At the optic disc, the optic nerve fibers exit the eye through fenestrations within the sclera, termed the lamina cribrosa. The retinal ganglion cell axons remain unmyelinated until traversing the lamina cribrosa.
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Which nerves go through openings in the skull and stimulate the head and neck?
Cranial nerves go through openings in the skull and stimulate regions of the head and neck. Spinal nerves stimulate the rest of the body. The cell bodies of cranial and spinal nerves are arranged in clusters called ganglia.
Where are the 12 cranial nerves?
The cranial nerves are 12 pairs of nerves that can be seen on the ventral (bottom) surface of the brain. Some of these nerves bring information from the sense organs to the brain; other cranial nerves control muscles; other cranial nerves are connected to glands or internal organs such as the heart and lungs.
Where are the optic nerves?
The optic nerve begins at the optic disk, a structure that is 1.5 mm (0.06 inch) in diameter and is located at the back of the eye. The optic disk forms from the convergence of ganglion cell output fibres (called axons) as they pass out of the eye.
Where are nerves located?
The nervous system has two parts, called the central nervous system and the peripheral nervous system due to their location in the body. The central nervous system (CNS) includes the nerves in the brain and spinal cord. It is safely contained within the skull and vertebral canal of the spine.
What cranial nerve runs through jugular foramen?
Inside the jugular foramen, the glossopharyngeal nerve enters anterior, medial and superior to the X and XI cranial nerves, at the level of the pyramidal fossa, and the vagus and accessory nerves enter at the level of the intrajugular process.
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What is magnum foramen?
The foramen magnum is the largest foramen of the skull. It is located in the most inferior portion of the cranial fossa as a part of the occipital bone. On the foramen magnum, there are two craniometric points: the basion, the median point of the front edge of the hole, and the opisthion, posterior correspondence.
Where does V2 exit the skull?
The maxillary nerve is the second division of the trigeminal nerve and is also known as the V2 division. This nerve is the middle division of the trigeminal nerve and is attached to the distal convex border of the trigeminal ganglion. The maxillary nerve exits from the cranial cavity through the foramen rotundum.
The oculomotor nerve (III), trochlear nerve (IV), abducens nerve (VI) and the ophthalmic branch of the trigeminal nerve (V1) travel through the cavernous sinus into the superior orbital fissure, passing out of the skull into the orbit.
Where is the Abducens nerve located?
Of all the cranial nerves, the abducens nerve has the longest intracranial course. It is located in the pons at the floor of the fourth ventricle, at the same level as the facial colliculus. In fact, the axons of the facial nerve loop around the posterior aspect of the abducens nucleus.
Readers ask: Which Term Is Synonymous With A Knee Jerk Reaction?
Quick Answer: What Happens At The Camp Meeting In Huckleberry Finn?


With a new album set to come out in 5 days, As It Is' new single 'The Fire, The Dark' is our track of the week!
Speaking of the track, singer Patty Walters says, "The Fire, The Dark' is about self-destruction. Weighed down by his regrets and resentments, The Poet turns to habits of self-destruction as a coping mechanism, isolated and completely withdrawn from the world, neurotic and unstable, consequently jeopardising his relationship with his wife.
As an introduction to 'The Great Depression', Walters also comments that The Great Depression' is about the societal romanticisation of depression, the disrepair of present-day human connection, told through the story of a man who finds himself face-to-face with Death. This album is about asking questions rather than offering answers, exploring the lines where consolation and glorification collide, and asking if art is too subjective to offer a universal solution.


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Recent Court Cases on Cash Balance Plans
Courts have recently decided a number of new cases involving cash balance plans. The issues involved are major, and the decisions, if upheld, could have drastic implications for all cash balance plans. This article analyzes the possible effects of the two most significant cases: Cooper v. The IBM Personal Pension Plan, 2003–2 USTC P 50,596 (D.C. S.D. Ill., July 31, 2003) and Berger v. Xerox Corporation Retirement Income Guarantee Plan, 338 F.3d 755 (7th Cir., Aug. 1, 2003).
Cooper v. The IBM Personal Pension Plan
IBM for some time has maintained a defined benefit plan that provides benefits for IBM employees. Since 1995, IBM has amended the plan twice. On January 1, 1995, IBM amended the plan to adopt a pension equity plan design. Effective July 1, 1999, IBM again amended the plan to create a cash balance plan formula.
The claimants argued that both the 1995 amendment and the 1999 amendment violated the age discrimination provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"). In each instance, the court granted summary judgment to the plaintiffs, finding that the amendments did violate the age discrimination provisions of ERISA. The court's decision with respect to the amendment to a pension equity design may have relatively minimal impact, since it is based on provisions specific to the IBM plan. In contrast, the decision with respect to the amendment to a cash balance formula is much broader and more problematic. With respect to this latter amendment, the plaintiffs alleged that the cash balance formula violates Section 204(b)(1)(H) of ERISA which provides that "a defined benefit plan shall be treated as not satisfying the requirements of this paragraph if, under the plan, an employee's benefit accrual is ceased, or the rate of an employee's benefit accrual is reduced, because of the attainment of any age."
Under the cash balance formula, a participant's defined benefit is determined by reference to a hypothetical account balance known as a Personal Pension Account ("PPA"). Each month, a participant's PPA accumulates pay credits at a rate of five percent of the participant's salary, and accumulates interest credits at a rate one percentage point higher than the rate of return on one-year Treasury securities. When a participant's employment with IBM ends, he or she may withdraw the account balance as a lump sum, convert the account balance into an immediate life annuity, or defer receipt of a lump sum payment or a life annuity until a later date. While a terminated employee may not earn additional pay credits, he or she continues to earn interest credits until the PPA balance is withdrawn or converted into a life annuity.
The court began its analysis of the IBM cash balance amendment by noting that in 1998 IBM faced rising pension costs and diminishing pension income as a result of the benefits the company would be paying to its middle aged employees. The plan's actuaries projected that conversion to a cash balance formula would save the company almost $500 million by 2009 as a result of reductions of up to 47% in future benefits that would be earned by older IBM employees. The court noted that IBM was aware of the age discrimination issues that would come with the new cash balance feature and that the company's actuaries projected that the age 65 annuity benefit earned by a younger employee for a year of service would exceed the benefit earned by an older employee for the same service. The court also noted that, once implemented, the cash balance formula had its intended effect: plan income increased dramatically in 1999.
In reaching its decision that the cash balance formula violates ERISA, the court noted that, as amended, the 1999 plan is still a defined benefit plan and, accordingly, the plan must comply with all the statutory and regulatory strictures that govern defined benefit plans. The court stated that the mere fact that anomalies and absurdities arise in various arguments made by the plaintiffs does not undercut those arguments; the anomalies arise because cash balance plans simply do not work within the statutory framework governing defined benefit plans.
The court found that the amended IBM plan must meet the same requirements concerning vesting and accrual of benefits as any defined benefit plan: for each year of qualifying service, such a plan must provide a definitely determinable, nonforfeitable accrued benefit (ERISA section 203(a)). The accrued benefit must be expressed in the form of an annual benefit commencing at normal retirement age. Additionally, the interest credits that are projected and valued as an age 65 annuity must also be taken into account in determining whether a cash balance plan complies with benefit accrual requirements. This is where the court held that the cash balance amendment to the IBM plan violates ERISA's age discrimination provisions:
Interest credits are a part of the accrued benefit specified in IBM's 1999 Plan, and these count in determining whether the benefit accrual requirements of § 204(b)(1) are met. And, like in any defined plan, the interest credits must be valued as an age 65 annuity. At this point in the analysis, the result is inevitable. In terms of an age 65 annuity, the interest credits will always be more valuable for a younger employee as opposed to an older employee.
In light of the foregoing analysis, the court held that the cash balance formula violates the literal terms of ERISA section 204(b)(1)(H) as illustrated by IBM's own age discrimination analysis:
A 49 year old employee with 20 years of service accrues at age 65 an annuity of $8,093 in the year 2000. The following year, he accrues an additional $622, and by 2010, his additional annual accrual is only $282. This 49 year old employee's benefit has been reduced for each year he has aged, and this reduction violates ERISA § 204(b)(1)(H).
Berger v. Xerox Corporation Retirement
Income Guarantee Plan
The Xerox case involves what is commonly referred to as the "whipsaw" interest rate issue. As is the case with most cash balance plans, the Xerox plan provides for both pay credits and interest credits. Interest credits are made at the rate of the one-year Treasury bill rate plus one percent. The plan also allows participants to elect a lump sum or an annuity payable at retirement or at termination of employment. The plaintiff class consists of individuals who terminated retirement before normal retirement age and requested a lump sum. The claim is that the amount received was not the required actuarial equivalent of what the individuals would have received either as a lump sum or as an annuity if they had waited until normal retirement age to take the distribution. ERISA requires that any lump sum substitute for an accrued pension benefit must be the actuarial equivalent of that benefit.
The court identified the basic issue in determining the actuarial equivalence between a lump sum and an accrued pension benefit as the tradeoff between present value and future value; the method for equating present and future value is the application of a discount rate to the future value. Unfortunately, there is no single actuarial equivalence because there is no single discount rate. In the case of a defined benefit plan, the present value of the future pension benefit is relatively easily determinable through the use of prescribed mortality tables and interest rates.
In the case of cash balance plans, however, the situation is more complex. After a participant terminates employment, new pay credits are not added to his or her account; accordingly, the key issue is the addition of future interest credits. There is general regulatory and case law consensus that future interest credits are part of a participant's accrued benefit under a cash balance plan. Accordingly, in order to determine a participant's accrued benefit, a cash balance plan must add the future interest credits projected to normal retirement age to the participant's cash balance account. The resulting balance, discounted at the prescribed discount rate back to the date on which the employee leaves the employ of employer and receives a distribution, would then be the correct lump sum to which the participant is entitled under ERISA. The Internal Revenue Service has provided guidance that in determining future interest credits projected to normal retirement age, a cash balance plan must use the plan's interest crediting rate; in contrast, the discount rate for present value purposes is to be that set under Section 417(e) of the Internal Revenue Code (see Revenue Notice 96–8). If the interest crediting rate is higher than the discount rate, the effect can be significant: a cash balance plan, in such a circumstance, must pay more that the amount currently credited to the participant's account.
The interest crediting rate under the Xerox plan is the one-year Treasury bill rate plus one percent; the prescribed discount rate at the time in question was the rate set by the PBGC. At times during the period in question, the plan's interest crediting rate was significantly higher than the prescribed PBGC discount rate. However, the Xerox plan computed the lump sum by adding future interest credits at a rate exactly equal to the PBGC discount rate (instead of at the interest crediting rate set forth in the plan); the plan then discounted the resulting sum back at exactly the same PBGC discount rate. The two rates canceled, and the lump sum that departing employees received was exactly equal to their account balance.
The court held, in a decision written by Judge Posner, that the method used in computing the lump sum under the Xerox plan was a prohibited forfeiture. Xerox unsuccessfully tried to argue that its plan was not the sort of plan described under Revenue Notice 96–8, but rather a "hybrid" plan. Judge Posner summarily dismissed this argument by equating "hybrid" and "unlawful" in this particular circumstance.
Impact of the IBM and Xerox Cases
Taken together, the Xerox and IBM cases have the potential for a major impact on all cash balance plans.
The decision in Cooper v. The IBM Personal Pension Plan is very important because of the nature of the court's reasoning, which would find all cash balance plans (new plans as well as conversions to cash balance plans) to be in violation of ERISA. IBM has stated that it intends to appeal the decision. If it does, the appeal will go to the Seventh Circuit, the circuit that just issued the Xerox decision. Presumably, if the decision were upheld, the only cash balance plans that would remain would be those that incorporate age-weighed factors for determining accrued benefits.
Important to note is the fact that the decision in Cooper v. IBM appears to be in direct conflict with an earlier federal district court decision: Eaton v. Onan, 117 F. Supp. 2d 812 (S.D. Ind, 2000). The earlier decision generally rejected a claim of age discrimination and held that rate differences for younger participants under a cash balance plan were permissible as long as accruals generally satisfied the rules of the Code and of ERISA. The court cited legislative history which seemed, in the court's opinion, to indicate that the applicable age discrimination provisions in the Code and ERISA were aimed at post-retirement age participants. Moreover, the IRS in late 2002 issued proposed regulations (which were subsequently withdrawn) which also conflict with the IBM decision. The IRS has indicated that it will shortly issue new regulations.
Ultimate resolution of the issue at stake in the IBM case may take some time and may involve not only the Seventh Circuit, but also an appeal to the United States Supreme Court and clarification by Congress.
In contrast, the decision in Berger v. Xerox Corporation Retirement Income Guarantee Plan, although stated in forceful terms, is substantially narrower. The major impact of the case will be for those plans that do not provide interest credits and calculate lump sums distributed prior to normal retirement age in accordance with Revenue Notice 96–8.


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