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Large Banks That Understand the Internet
Two-Factor Too Scarce at Consumer Banks
Integration Liberation: A New Way to Integrate Your Supply Chain
New Tools for Customer Call Center Management
E-Trade and The Future of Web-Based Banking
By Susannah Patton
Suppose you're sitting on a little cash. Should you put some in a CD? Sock it away in a money market account? Now imagine you can visit your bank's website to figure it out. Using an online tool, you can move the money around and examine how your earned interest and rates will change, depending on where you put it. Colored bar charts representing the amount of interest earned in a year shift up and down depending on your choices. When you decide on the right mix, you can open a new account with a few key strokes.
One might assume every bank would offer such a tool, but few provide customers with anything close. The application described above, called the "intelligent cash optimizer," was introduced last year by E-Trade Financial. E-Trade was given up for dead after the dotcom bust, but the online brokerage resurrected itself by sharply cutting costs and embarking on a diversification plan that included acquiring a Web-only bank and linking it with its core trading operations. E-Trade's net interest income, a significant portion of which derives from its banking operations, accounted for 51 percent of its revenue in 2005. Analysts say the company's success derives in no small part from its customer-friendly services. The company reported earnings of $1.7 billion in 2005.
And E-Trade is giving brick-and-mortar banks a run for their money. According to a June 2006 study by the Pew Internet and American Life Project, 43 percent of Internet users, or about 63 million American adults, now bank online. And a survey released early this year by IT consultancy Keane found that financial institutions consider customer satisfaction with online services key to their revenue growth through cross-selling of products to existing account holders. Yet many banks offer little more than rudimentary services such as the ability to check an account balance or pay bills electronically.
"Very few banks don't realize at this point that online banking is big business," says Matt Poepsel, VP of application management at online benchmarking company Gomez. "But many banks are still finding their way." Banks need to offer more online information and advice that is tailored to the individual account holder, as well as more sophisticated, easy-to-use online tools, experts say. However, Keane found 49 percent of banks surveyed considered their technology platforms to be the primary obstacles to improving their online customer experience.
"At some level, E-Trade shouldn't exist," says the company's CIO, Greg Framke. "If big firms had embraced the Internet as a channel, we wouldn't have had a chance." Instead, industry experts point to E-Trade as a model for how banks should run their online operations and prepare to serve the emerging generation of customers raised on the Internet.
The problem for most traditional banks is that they have grown up as a group of autonomous silos, with loan departments working separately from brokerage and cash divisions. Many have also built their branch, call center and Internet divisions as separate units and are now struggling to provide service and sales across all channels. CIOs at these banks have a tough time integrating their back-end systems, notes Rusty Wiley, global banking industry leader for IBM's business consulting services. "The way banks have built their channels independently has created an inconsistent user experience from the Internet to the call center and the branch."
Some major banks, including Wells Fargo, Bank of America and Wachovia, are well on their way to integrating systems and offering sophisticated online tools (see "Big Banks That Get the Web," this page). But "E-Trade takes it to the next level," says Brad Strothkamp, a senior analyst with Forrester Research. "They leave no stone unturned and [they] sweat the details when it comes to integrating their offerings and providing more functionality." Here's how they've done it.
The Right Business Model
E-Trade's first online business model was a bust. After the stock market crash of 2000, the Internet broker's stock price plunged from more than $60 at its peak to less than $3 in 2002, while the company lost a total of $428 million. Among its problems, E-Trade had a bloated staff and lacked financial discipline, as did many dotcoms. But when Mitchell Caplan, now E-Trade's CEO, joined the company in 2000 as its chief banking officer, he was convinced that despite the gloomy mood among Internet companies, E-Trade had a future as an online bank. In 1989, Caplan had founded Telebank, a savings and loan that had no physical branches. Telebank offered banking products and services via a toll-free call center and later online.
E-Trade bought Telebank, and the move was seen in the marketplace as an early attempt to offer brokerage and banking services on one site. With the subsequent crash, however, enthusiasm among investors for such online integration quickly faded. Caplan persisted, however, and his bet seems to have paid off. Banking helped E-Trade return to profitability. The company now boasts 748,950 bank accounts—seven times the number of accounts it acquired from Telebank.
As a bank, E-Trade is still relatively small. (Wells Fargo, in contrast, has 7.9 million active online consumer customers, who account for 59 percent of its consumer checking accounts.) But Caplan and Framke attribute E-Trade's success in a competitive marketplace to the company's use of open-source technology (for example, Linux on Intel servers, serving webpages with Apache and its supplement, Tomcat) and its early adoption of a services-based approach to software development. When E-Trade built its technology infrastructure, says Framke, service-oriented architecture was a "promising building block" for providing transaction processing. It suited E-Trade's business model—which emphasized convenience for customers—because it allows the company, by reusing software services, to provide the same experience to account holders whether they are checking a balance or applying for a loan.
"There was something compelling between what we wanted to provide our customers and this emerging technology," Framke says.
Total Integration
At the core of E-Trade's technology strategy is a simple idea: that it should be easy and appealing for customers to open accounts with E-Trade, and once they do, it should be easy for them to manage these accounts without having to log in to multiple systems.
"It shouldn't matter where you are or what kinds of accounts or products you have," says Caplan. "You want the [online] experience to be the same. That kind of service requires integrated systems." This is a goal that many banks are striving for right now, but E-Trade is well on its way to achieving it. For example, the company provides customers with a single sign-on for accessing all their accounts during a banking session. In early 2005, E-Trade launched E-Trade Complete, a tool that allows customers to get a single view of their cash and investments on one screen. Conceptually, it's similar to an online dashboard, and it's possible because E-Trade uses Web services to knit together customer data from multiple back-office systems enabling the systems that support checking accounts and investment accounts to use the same customer information.
Building on the E-Trade Complete function, the company introduced the Intelligent Cash Optimizer later in 2005, followed by similar tools to help customers find loans and fine-tune their investment strategies. All of these tools reflect E-Trade's focus on integrating services to create a smoother customer experience. For example, the company repurposed a feature that allowed customers to transfer money in and out of cash or checking accounts in order to enable QuickTransfer, which allows transfers in and out of any other account, too. "The key is to bring together everything to allow customers to navigate between different types of products and see for themselves if they want to save more money or make more interest on their cash," Framke says.
Traditional banks, on the other hand, "are bogged down by legacy systems," observes Framke, who has also worked for investment banks Morgan Stanley and Deutsche Bank. The older banks have separate systems for processing loans, managing cash and purchasing investments, and online customers often have to toggle between applications in order to conduct transactions. Experts agree that the type of application and data integration that allows customers access to different products from a single interface will help other banks develop their online offerings. Most large banks are working on this problem, but integrating multiple applications and merging customer information into one database is not an easy task. "Getting the holistic view of a customer's assets, liabilities and balances is not easy when you have silos," says Peter Nikonovich, managing director at BearingPoint.
Banish Bureaucracy
Most banks got started with a single purpose. They were either retail banks, commercial banks, mortgage companies or credit card providers. Then, as the economy evolved and the banks grew, they added new lines of business. Each line of business, or unit, would build its own systems, thus banking became an industry in which most large firms were a collection of separate silos. Add to that history the recent wave of bank mergers, and most large financial firms are working not only with a complicated set of systems and databases that don't talk to each other, but with business units that don't collaborate.
By contrast, E-Trade—perhaps because it began as an online-only bank and is relatively new—has been able to more easily integrate its lines of business just as it has integrated its IT applications. Unlike traditional banks, E-Trade does not have a separate Internet division and, says Framke, there are no barriers between the company's trading, lending and cash management operations. "All retail technology is done in the same organization," Framke says. "There is no distinguishing between brokerage, lending or cash."
With fewer layers of bureaucracy to wade through, E-Trade executives can make quick decisions about getting new services up and running. For example, in 2004, Framke gathered with Caplan and other top E-Trade executives to present a plan for using multifactor authentication to identify customers. At the time, the use of at least two types of authentication—generally something a person knows, such as a password, and something they have, like a hardware token—was emerging as a safeguard against identity theft. Framke knew customers were concerned about online security, and he wanted his company to respond to these worries.
After Framke's presentation, the group decided on the spot to move forward with the plan, which involved giving tokens from security vendor RSA to E-Trade customers in addition to a user name and password. That type of nimble decision making is typical at E-Trade, where in contrast to practices at most large banks, Framke oversees all Internet technology and plays an important role in executive decision making. That contrasts with some larger financial companies in which the Internet division is far removed from top management and which, experts say, accounts in part for the lack of progress deploying multifactor authentication by the industry as a whole.
Having separate channels "makes it easier to deal with customers from a line of business perspective," says Carter Hansen, senior VP of user centered design at Wachovia's e-commerce division. "The challenge is, how do we come up with the best customer-centered recommendation in the online channel and avoid the impulse to do what's best for the line of business?"
Listen to Customers
The challenge for banks, then, is to do what customers want, even if it seems counterintuitive. The more tools and functions that are available to customers in a straightforward way, the more money they'll bring to the bank. That's the lesson E-Trade learned after it introduced QuickTransfer, a function that allows customers to transfer funds free of charge between accounts within E-Trade or outside the company.
"We were early in the industry to open our door," says Framke, noting that there was some initial concern that customers would use the transfer function to take money out of E-Trade. However, the opposite occurred. According to company data from the first quarter of 2005, 750,000 customers initiated QuickTransfer and for every $2 transferred to outside accounts, $3 came back to the bank. According to Rob Shenk, senior VP of retail strategy at E-Trade, customers adopted QuickTransfer because it provided a more efficient way than traditional wire or check requests to transfer funds. "It's also a statement to the customer that our products are not 'roach motels,' where your cash is trapped within one financial institution," Shenk says.
According to an equity research report on E-Trade issued earlier this year by Keefe, Bruyette & Woods, "it appears E-Trade customers are choosing to place more cash with the company rather than their traditional bank as some of the largest contributors of net inflows are Bank of America, Chase, Citibank and Wachovia." Shenk says this information is proof that customers and their cash are drawn to the easy-to-use and effective functions such as QuickTransfer.
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EEOC v. Schneider Nat'l, Inc. - 481 F.3d 507 (7th Cir. 2007)
Even though an employer may be excessively risk averse, where there is no evidence that the employer has exaggerated the severity of an employee's condition and the risk that the condition poses, there is no violation of the Americans with Disabilities Act.
The truck driver's condition was treatable, but even with treatment, it could cause him to have sudden fainting spells. The employer fired the truck driver pursuant to its no tolerance policy, which prohibited the employment of drivers with that condition, even though they otherwise met federal safety standards under 49 U.S.C.S. § 31136(a)(3) and 49 C.F.R. §§ 383.5, 391.11(a). Plaintiff, the Equal Employment Opportunity Commission (EEOC), filed an enforcement action against defendant employer, alleging that it violated 42 U.S.C.S. § 12102(2)(C) of the Americans with Disabilities Act (ADA) when it fired the truck driver. Plaintiff asserted that the employer mistakenly believed that the truck driver's condition rendered him disabled and that it violated 42 U.S.C.S. § 12102(2)(C) by firing him based on that mistaken belief. The district court granted summary judgment in favor of the employer. Plaintiff appealed.
Under the circumstances, did the defendant employer violate the Americans with Disabilities Act?
The court affirmed the district court's judgment. The evidence did not show that the employer had a mistaken understanding of the driver's condition. It could decide how much risk it wanted to take and could impose higher safety standards on its drivers than those required by federal law. The fact that the employer wanted to avoid risks did not mean that it regarded the truck driver as being disabled. The driver was not disabled for ADA purposes because his condition did not prevent him from performing a wide range of jobs.
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Apocolyptic
Book Review : Sleep Over – an oral history of the Apocalypse
by Clair December 14, 2017
Sleep Over: An Oral History of the Apocalypse by H.G. Bells
Why I read:
Book blurb: "For fans of the oral history genre phenomenon World War Z, a worldwide plague of insomnia creates a devastating new apocalypse.
Remember what it's like to last an entire night without sleep? That dull but constant headache. The feeling of your brain on edge. How easily irritated you were. How difficult it was to concentrate, even on seemingly menial tasks. It was just a single restless night, but everything felt just a little bit harder to do, and the only real comfort was knowing your head would finally hit the pillow at the end of the day, and when you awoke the next morning everything would return to normal.
But what if sleep didn't come the next night? Or the night after? What might happen if you, your friends and family, your coworkers, the strangers you pass on the street, all slowly began to realize that rest might not ever come again?
How slowly might the world fall apart? How long would it take for a society without sleep to descend into chaos?
Sleep Over is collection of waking nightmares, a scrapbook of the haunting and poignant stories from those trapped in a world where the pillars of society are crumbling, and madness is slowly descending on a planet without rest.
Online vigilantism turns social media into a deadly gamble.
A freelance journalist grapples with the ethics of turning in footage of mass suicide.
A kidnapped hypnotist is held hostage by those at wit's end for a cure.
In Sleep Over, these stories are just the beginning. Before the Longest Day, the world record was eleven days without sleep. It turns out most of us can go much longer."
A wonderfully chilling apocalyptic book that questions what would become of the world if no-one was able to sleep? We follow the story as the world breaks apart, bit by bit. The horror created by the insomnia of the entire human race is easily comparable to that of zombies or killer viruses. Its a highly original and thrilling read.
The book consists of a number of personal testimonials from different characters. There are tales from an amazingly diverse range of people with different backgrounds, all scattered around the world. You get to see the effect of insomnia through the eyes of scientists, policy makers, a taxi driver, gamers, nurses, to name but a few. The stories are grouped into time frames and each one reveals more about what is happening to the world. Some of the people's stories show humanity descending into its worse traits, others show survival and there are some touching tales demonstrating real caring and the best of humanity. The writing is beautifully haunting, vividly capturing the horror each person experiences but with brief moments of hope and joy scattered throughout. There are loads of brilliant thoughts and ideas packed into the 300 pages as we see the apocalypse through many different viewpoints. I don't want to give away any spoilers so will just add this is a book I really enjoyed and will read again in the future.
Overall this is a brilliant and original apocalyptic thriller. It's a thought provoking book that I'd suggest all sci-fi fans read.
I'd highly recommend to fans of: horror, apocalyptic thrillers, dystopia and sci-fi
Expected publication: January 16th 2018 by Talos
Book Review Dystopia Fantasy horror Sci-fiApocolyptic book Book Review creepy Darkness Dystopia horror Sci-fi science thriller
Book Review : The Windup Girl – bleak dystopia sci-fi
by Clair November 3, 2017
The Windup Girl by Paolo Bacigalupi
3 1/2 star read
Why I read: Science fiction dystopia that I kept on hearing about – just had to read it.
Book blurb: "Anderson Lake is a company man, AgriGen's Calorie Man in Thailand. Under cover as a factory manager, Anderson combs Bangkok's street markets in search of foodstuffs thought to be extinct, hoping to reap the bounty of history's lost calories. There, he encounters Emiko…
Emiko is the Windup Girl, a strange and beautiful creature. One of the New People, Emiko is not human; instead, she is an engineered being, creche-grown and programmed to satisfy the decadent whims of a Kyoto businessman, but now abandoned to the streets of Bangkok. Regarded as soulless beings by some, devils by others, New People are slaves, soldiers, and toys of the rich in a chilling near future in which calorie companies rule the world, the oil age has passed, and the side effects of bio-engineered plagues run rampant across the globe.
What Happens when calories become currency? What happens when bio-terrorism becomes a tool for corporate profits, when said bio-terrorism's genetic drift forces mankind to the cusp of post-human evolution? Award-winning author Paolo Bacigalupi delivers one of the most highly acclaimed science fiction novels of the twenty-first century."
A vast bio-punk dystopia set in a future Thailand. The calorie companies whose mistakes brought new diseases including Blister rust and Cibiscosis are the ones who dole out calories and so control lives. Emiko is the windup girl, one of the New People, genetically engineered to serve. She survives in a world brought to the edge of extinction by genetic manipulation.
"We are nature. Our every tinkering is nature, our every biological striving. We are what we are, and the world is ours. We are its gods. Your only difficulty is your unwillingness to unleash your potential fully upon it."
― Paolo Bacigalupi, The Windup Girl
The world building is brilliantly descriptive, you are drawn into this brutal, dark, bleak future. Set in a future Thailand within a world whose natural resources are dwindling, food is scarce, disease and disasters are everywhere. Seed banks are owned by Calorie companies, limits on calories put a premium on muscle power. Political manoeuvrings create twists and turns along the plot. There's an abundance of new words which leave you searching for a meaning within the surrounding text. Its a scary, distorted and exaggerated reflection of life with bio-technology, a disturbing vision of what our future could hold.
There are several interlocking character stories that run throughout the book. I found I was more interested in some characters than others and ended up skimming some parts. My emotional investments in most characters was low as viewpoints kept switching between the wide range of characters. The title of the book, Emiko, the Windup Girl, is a genetically engineered, Japanese-designed "New Person", built to serve "real" humans. Created with many modifications such as small pores to make her more sexually desirable, a "sex bot"yet she feels human emotions and pain. Abandoned by her former owner she is now a slave in a sex club. Through her character we explore the origin and meaning of the soul and survival in a hostile changing environment. But there were numerous points I had to stop reading as you graphically witness the sexual degradation of Emiko, created to obey, to respond willingly to any advances, seen by those who use her as an object created for pleasure, little more than a toy. The numerous descriptions of her sexual objectification and abuse were sickening and often felt over described. But still they drew out a critique and exploration of the issues. It was deeply unsettling as the book questions does she have a soul does it matter?
"And we all know windups have no souls." Gibbons grins. "No rebirth for them. They will have to find their own gods to protect them. Their own gods to pray for their dead." Paolo Bacigalupi, The Windup Girl"
There are many references to "gene ripping" and DNA experimentation with examples of how this can go so terribly wrong. Many of the usual sci-fi questions are presented in the book. How far should we play god? When is scientific/technological advancement good for humanity and when should we stop? Should engineered humans be given the full rights and status of naturally biological humans? This abundance of ideas was fascinating and impressive, but at times the story itself is tedious and drags along.
A Hugo, Nebula and Locus Award winner its an epic book packed full of ideas. But it took me a long time to finish, needing to escape from the terrible depressive bleakness Bacigalupi presents. Its a nightmare vision of the future which kept drawing me back to read a bit more. Nothing is black and white, characters are flawed, make mistakes, and the world is hollow and harrowing. Very few happy moments are scattered within the pages, instead we see a future filled with despair and paranoia. Overall a dark and brutal book, filled with questions and ethics, but not an easy or particularly enjoyable read.
I'd recommend to anyone who likes: science fiction, dystopia, science ethics.
"Even the richest and the most powerful are only meat for cheshires in the end. We are all nothing but walking corpses and to forget it is folly. Meditate on the nature of corpses and you will see this. "
Published September 1st 2009 by Night Shade Books (first published 2009)
Currently reading The Windup Girl by Paolo Bacigalupi. Awesome dystopia. #bookstagram #bookblogger #ilovebooks #booknerd #book #reading #Selfie #dyedhair #metal #uk #goodreads #bibliophile #instabooks #currentlyreading #bookworm
Book Review Dystopia robots Sci-fiApocolyptic book book-review Dystopia Future Sci-fi science
Agents of Dreamland – Weird Fiction Novella
by Clair April 29, 2017 May 21, 2017
Agents of Dreamland by Caitlín R. Kiernan
Select Sentence "Their language works its way into your brain, digging in and lodging in the convolutions of the cerebrum, burying into the fine groves of the cerebellum, threatening to hijack all reason and even the basest animal instincts."
Book blurb: "A government special agent known only as the Signalman gets off a train on a stunningly hot morning in Winslow, Arizona. Later that day he meets a woman in a diner to exchange information about an event that happened a week earlier for which neither has an explanation, but which haunts the Signalman.
In a ranch house near the shore of the Salton Sea a cult leader gathers up the weak and susceptible — the Children of the Next Level — and offers them something to believe in and a chance for transcendence. The future is coming and they will help to usher it in.
A day after the events at the ranch house which disturbed the Signalman so deeply that he and his government sought out help from 'other' sources, Johns Hopkins Applied Physics Laboratory abruptly loses contact with NASA's interplanetary probe New Horizons. Something out beyond the orbit of Pluto has made contact.
And a woman floating outside of time looks to the future and the past for answers to what can save humanity"
I was so excited when I saw this book that I purchased and read it straight away. And I was not disappointed one bit. This is a short book only 120 pages but it packs a punch, filled with imagination, darkness and conspiracy theories.
Agents of Dreamland is a weird-fiction novella. A dark twisted Lovecraft tale of alien invasion and zombie fungus. The Signalman, a government agent is tracking down a cult leader but instead discovers a horrific crime scene. Immacolata looks through time and observes these events and through her? eyes we glimpse the madness and horror of the future as she searches for a way to save humanity. Caitlín R. Kiernan's beautiful prose gives us glimpses of an apocalyptic future ripped straight from a nightmare.
This is not a linear story but rather twists and turns, weaving through time and back. You have to piece together the story as you go. But this just adds to the mystery and horror of the book. The characters are interesting especially Immacolata, who appears outside of time. The book had a X-files vibe about it with sci-fi and government intermixed into the dreamland. I only wish the book had been longer so i could read more of the weird fascinating prose.
A must read for horror fans.
***** 5 star-read
112 pages Published February 28th 2017 by Tor.com
An excerpt of the first few pages can be read on Tor.com: http://www.tor.com/2017/01/27/excerpts-agents-of-dreamland-caitlin-kiernan/
Book Review horror Speculative FictionAlien Apocolyptic Book Review Cult Darkness Fantasy Future horror Lovecroft Quick read Sci-fi Weird-fiction


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Home Mixed Why do I sneeze when the light changes?
Why do I sneeze when the light changes?
1 Why do I sneeze when the light changes?
2 Why have I suddenly started sneezing?
3 Why do sneezes feel good?
4 Do u sneeze a lot with coronavirus?
5 How many sneezes in a row is normal?
6 Can you sneeze with your eyes open?
Photic sneeze reflex is a condition triggered by exposure to bright light. The next time you head outside on a sunny day, see if you let out a sneeze or series of sneezes. Your reaction might be due to allergies, or it might be the change in light. If you have the reflex, you probably inherited the trait from a parent.
Does light actually make you sneeze?
Sunlight is a trigger, but artificial illumination from light bulbs and camera flashes can also cause sneezes. As it turns out, an estimated 10 to 35 percent of the population has a photic sneeze reflex.
Why have I suddenly started sneezing?
Sneezing, also called sternutation, is usually triggered by particles of dust, pollen, animal dander, and the like. It's also a way for your body to expel unwanted germs, which can irritate your nasal passages and make you want to sneeze. Like blinking or breathing, sneezing is a semiautonomous reflex.
Why do I sneeze 20 times in a row?
Rather than sneezing once or twice, some people do so again and again. My partner often sneezes 20 or 30 times in succession. Is this common, and is there any explanation? There is a little-known condition called photic sneeze reflex, or autosomal compelling helio-ophthalmic outburst (ACHOO) syndrome.
Why do sneezes feel good?
According to Boyer, "the muscle tension that builds up in your chest causes pressure, and when you sneeze and the muscles relax, it releases pressure. Anytime you release pressure, it feels good."
Why do we sneeze twice?
It's a powerful release of air, expelling what's in the nose that's causing the irritation." However, if the irritant is still lingering in your nostrils after a sneeze, your nose is going to give it another go. So typically, a second sneeze means that your first sneeze didn't really do its job.
Do u sneeze a lot with coronavirus?
The coronavirus (COVID-19) is a viral illness that can be spread in ways that include coughing, sneezing, and close personal contact. Symptoms typically start between 2-14 days after exposure and usually resolve within ~14 days after onset, whether the symptoms are mild, moderate or severe.
Why do I have a sneezing fit every night?
People with allergies may wake up due to a congested nose, sneezing or coughing fit in the middle of the night. Over time, this kind of allergy-induced sleep deprivation adds up, creating a vicious cycle that leads some to rely on sedatives or alcohol7 to help them fall or stay asleep — which is not a good idea.
How many sneezes in a row is normal?
Multiple Sneezes: What Does It Mean? Sneezing more than once is very normal. Sometimes it just takes more for you to clear an irritant from your nose. One study found that about 95% of people sneeze about four times a day.
Has anyone died from a sneeze?
While we haven't come across reported deaths of people dying by holding in their sneezes, technically it's not impossible to die from holding in a sneeze. Some injuries from holding in a sneeze can be very serious, such as ruptured brain aneurysms, ruptured throat, and collapsed lungs.
Can you sneeze with your eyes open?
It is an autonomic reflex, which is an unconscious motor action in response to a stimulus: in this case, sneezing. "The fact that it is possible to sneeze with the eyes open suggests that it is not hard-wired or mandatory," Huston said.
How fast is a sneeze?
A cough can travel as fast as 50 mph and expel almost 3,000 droplets in just one go. Sneezes win though—they can travel up to 100 mph and create upwards of 100,000 droplets. Yikes!
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CHICAGO, IL--(Marketwire - November 29, 2010) - TransUnion's quarterly analysis of trends in the credit card industry revealed that the national credit card delinquency rate (the ratio of bankcard borrowers 90 days or more delinquent on one or more of their credit cards) decreased to 0.83 percent in the third quarter of 2010, down almost 9.8 percent over the previous quarter. Year over year, credit card delinquencies fell by 24.6 percent.
TransUnion's analysis estimates that more than eight million consumers stopped actively using bank-issued, general purpose credit cards over the past year. This deleveraging is believed to be due in part to charge-offs in the higher risk segments of the population, more conservative spending in the low-risk segments, and significant efforts by consumers across the board to maintain the health of their credit card relationships as a financial cushion. Based upon income levels estimated by TransUnion's income estimation model, consumers with higher incomes were just as likely as consumers with lower incomes to suspend their use of this payment option.
"The vast majority of the consumers who do not possess or have stopped using credit cards continue to have and use other forms of revolving and installment credit, and of course still need to pay for necessities," said Ezra Becker, vice president of research and consulting in TransUnion's financial services business unit. "In 2009, well over 70 million consumers did not have an active, general-purpose bank issued credit card. During the course of one year, more than 8 million additional consumers joined these ranks, making it one of the fastest growing consumer segments. Consumers who do not have or use bank-issued, general purpose credit cards still have a need for other payment vehicles, a fact which is beginning to attract significant attention from credit and debit providers alike."
Incidence of credit card delinquency was highest in Nevada (1.28 percent), followed by Florida (1.09 percent) and Mississippi (1.06 percent). The lowest credit card delinquency rates were found in North Dakota (0.48 percent), South Dakota (0.53 percent) and Nebraska (0.56 percent).
Only two areas showed an increase in credit card delinquency -- the District of Columbia (19.67 percent increase) and Mississippi (1.92 percent increase). The two areas of the country with the largest quarter-over-quarter drop in delinquency were Alaska (-19.2 percent) and Nebraska (-17.6 percent).
National average credit card borrower debt (defined as the aggregate balance on all bank-issued credit cards for an individual bankcard borrower) edged upward for the first time in six quarters by 0.28 percent to $4,964 from the previous quarter's $4,951, but down 11.54 percent compared to the third quarter of 2009 ($5,612).
The highest state average credit card debt remained in Alaska at $7,159, followed by Hawaii at $5,716 and North Carolina at $5,640.
The lowest average credit card debt was found in Iowa ($3,807), followed by North Dakota ($4,103) and South Dakota ($4,196).
All but 15 states showed an increase in average credit card debt from the prior quarter. The largest increases in average credit card debt over the previous quarter occurred in West Virginia (2.81 percent), Wyoming (2.2 percent) and Hawaii (2.19 percent).
On a year-over-year basis, national credit card originations increased for the first time since the recession began in late 2007. Only nine states showed decreases in originations since the third quarter of 2009. The states with the greatest year-over-year increases were Delaware (21.3 percent), Oklahoma (16 percent), and Pennsylvania (15.8 percent).
The areas with the steepest declines in year-over-year credit card originations were the District of Columbia (-10.3 percent), Minnesota (-9.6 percent), and Michigan (-4.2 percent).
As credit card delinquency trends differ between the national and state economies, metropolitan areas can also show different credit dynamics relative to the state level. Approximately 77 percent of metropolitan statistical areas (MSAs) showed a decrease in their 90-day credit card delinquency rates since last quarter, which is generally consistent with national trends.
The area with the largest drop in delinquency since the last quarter was the Dubuque, Iowa Metropolitan Statistical Area (-48.4 percent). The area with the largest increase in delinquency since last quarter was the Lewiston, ID-WA Metropolitan Statistical Area (92.7 percent).
"The third quarter marks the first time since the recession officially ended in the summer of 2009 that average consumer credit card balances have not declined, although aggregate balances have dropped. The reason for this apparent contradiction is that the net number of active credit card accounts is continuing to drop, and it is falling faster than the dollar deleveraging rate.
"In the subprime segment, consumers are also losing access to card credits through charge-off and increased conservatism in underwriting standards. Although the Federal Reserve's Senior Loan Officer Opinion Survey on Bank Lending Practices recently reported that a small fraction of respondents are easing standards for approving credit card applications, that loosening of standards has not yet become wide spread. Across the risk spectrum, it appears that consumers are still working to maintain available credit as a financial cushion.
"On the delinquency side, the news remains good as consumers continue to show fiscal responsibility in paying down their credit card obligations. As we have seen since the beginning of the recession, incident delinquency rates in the credit card space remain well within expected annual variance and seasonal norms. Moreover, the drop in the savings rate quarter over quarter*, coupled with the drop in the number of active cardholders, might lead one to infer that consumers are shifting their focus away from a pure savings mindset to one that may include increased non-credit spending, such as through debit or checking transactions."
At the state level, Nevada is again expected to experience the highest delinquency rate by the end of 2010 (1.1 percent) while North Dakota is anticipated to show the lowest delinquency rate (0.38 percent).
"Since the beginning of the recession, TransUnion's national and state forecasting models have tracked how credit card delinquency rates are impacted by economic factors such as median household income, consumer confidence and the U.S. savings rate. Based on our current economic assumptions, TransUnion believes that the 90-day credit card delinquency rate could continue to decrease through the remainder of 2010, perhaps reaching as low as 0.75 percent by the end of the year."
*For 3Q10, The Commerce Department reported that consumers have been saving less this quarter than the quarter before relative to their disposable income. The national savings rate as a percentage of disposable personal income was recently reported to be about 5.5 percent -- down from about 6.0 percent the prior quarter.


You know it's time to re-evaluate your relationship with your computer when….
You wake up at 3 o'clock in the morning to go to the bathroom and you stop to check your e-mail on the way back to bed.
You move into a new house and you decide to Netscape before you landscape.
Your family always knows where you are.


squads at Continental Airlines Arena.
same regular-season record as the Cavs.
2006-07 campaign with a 31-10 home record.
104-95 win over the New York Knicks on Monday at Madison Square Garden.
will still be No. 6 because it owns the tiebreaker over Washington.
five straight at home and owns a 23-17 record at the Meadowlands this season.
of the last 13 encounters.


On Thursday, April 5th 2018, Minister for Culture, Heritage and the Gaeltacht, Josepha Madigan, announced that 370 heritage projects across Ireland were to be awarded funding under the Built Heritage Investment Scheme 2018.
The scheme will provide a €2 million euro investment for the repair and conservation of historic structures, both in private and public ownership, and for the communities who have a great sense of pride. For Louth, €125,000 of the Investment will be allocated to support local heritage projects.
Such beneficiaries will include; Whiterath Cottage in Dromiskin, Drumgoolin Thatch in Louth Village, Rethescar House in Dunleer, 74-76 West Street Drogheda, Beaulieu House Garden & Car Museum, and the Highlanes Gallery, thanks to Stephen Hodgins, Operational Manager of the gallery.
With a funding of €10,000, repairs on the timber holding the marvellous stained glass windows can be made, maintained, and improve the appearance of the historic Franciscan building for years to come.


text:
Garance Franke-Ruta
Garance Franke-Ruta is a former senior editor at the Prospect. Her work has also appeared in The Washington Post, The Washington Monthly, The New Republic, and The Wall Street Journal, among other publications. She was a 2006 recipient of a fellowship at the Joan Shorenstein Center on Press, Politics, and Public Policy at Harvard University.
LIGHTNING (ISH) ROUND.
Garance Franke-RutaNov 20, 2007
Special Return of Obamamania edition: Yesterday's ABC News/Washington Post poll showed a slight shift up for Barack Obama in Iowa, and a slight downward shift for John Edwards . A key graph to think about: despite widespread impressions that Obama is banking on unreliable first-time voters, Clinton depends on them heavily as well: About half of her supporters said they have never attended a caucus. Forty-three percent of Obama's backers and 24 percent of Edwards's would be first-time caucus-goers. Previous attendance is one of the strongest indicators of who will vote. This has been widely intepreted as a sign of Clinton's weakness in the state, but worth recalling here is that in recent elections the Iowa caucuses have been 40 to 60 percent first-time caucusers, and that John Kerry 's success in the state in 2004 was predicated in part on the choices of these newbies. According to the ABC News entrance survey of caucus-goers (PDF): Kerry won the initial preference of first-time...
PLANTS FOR HILLARY UPROOTED.
Plants for Hillary , launched with much fanfare yesterday, has today been disappeared from the web. It was "just a fun one day thing to set up the debate," says John Edwards campaign spokesman Eric Schultz . Keeping it going "takes too much 'gardening and tending.'" --Garance Franke-Ruta
SOCIAL SECURITY, THE PUBLIC SECTOR UNIONS, AND FEB. 5.
Hillary Clinton 's opposition, during last night's debate, to raising the Social Security payroll tax cap was taken to task by Iowa Independent 's Doug Burns as being a pander to people in the wrong state. Clinton said of the proposed tax increase on those who earn over $97,500: It is absolutely the case that there are people who would find that burdensome. I represent firefighters. I represent school supervisors. I'm not talking -- and, you know, it's different parts of the country. So you have to look at this across the board and the numbers are staggering. To which Burns replied : Is $97,000 a lot of money? In most of Obama's Illinois and just about all of Iowa, the answer to that is "yes," which makes Obama's position on the question of whether to raise or lift the cap on Social Security taxes more reasonable to Hawkeye State voters than the New York shape-shifting of Clinton. As it stands, the first $97,500 of a person's annual income is subject to the Social Security tax. Obama...
THE STATUS QUO.
One final thought on the debate: While it may have ended the " Clinton slipping" narrative, it won't have changed all that much on the ground in Iowa, the most-important narrative-shaping contest going forward. There, the race remains tied. The Des Moines Register 's political columnist David Yepsen , under the banner "That's Why the Lady is a Champ," writes : Give Thursday's debate to Hillary Clinton. After two bad weeks in the 2008 Democratic presidential campaign, she recovered her footing and pushed back sharply at her opponents in a debate Thursday night. But he also had some sharp words for John Edwards , the candidate The Register endorsed last cycle, giving him a last-minute boost and helping to fuel his end-of-contest momentum. Wrote Yepsen: John Edwards should have stayed home. Clinton took the wind out of his sails early in the evening by implying he was "throwing mud." He never seemed to bounce back from that slap, and he also got hooted when he talked about her as a...
DIAMONDS OR PEARLS?
Not to put too fine a point on it, but what the hell? Can we please have a moratorium on clothing cracks and questions directed at Clinton? Even if we all like to chatter about this stuff behind the scenes. That said, I don't think Clinton gave the right answer. The right answer to "diamonds or pearls?", at least if you're running for president, is not that you want them both, it's: "I wear cubic zirconias." That's what most middle-class women buy these days, because it's what they can afford. --Garance Franke-Ruta


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text:
Results 1101 - 1110 of 1937
Kerr Number: 5464
Vase Type: Polychrome
Figure Count:
Diameter: 11.8 cm
Circumference: 37.7 cm
MS Number:
Calender Round:
Comments: Red vase with catfish and 3 dots and kimi glyph in rim. Read the article about the connection between the catfish, the Hero Twins, and the Popol Vuh.
Iconographic Elements: Fish
Click on the image to view a larger image
select this image for review
Figure Count: 0
Circumference: 51 cm
MS Number: 0
Publications: As no. 39 in The Maya Scribe: His Art and World
Comments: Yellow bowl with long rim text
Iconographic Elements: Inscription - other text, Primary Standard Sequence
Comments: Two glyphs on this vessel read HOY, the phonetic for God N of the PSS and YU CAB the vessel
Circumference: 0
Owner: Metropolitan Museum of Art ACC# 1999.484.2
Publications: No. 13 in The Maya Scribe: His Art and World
Site: Chama
Comments: An offering of tamales sits under the throne
Iconographic Elements: Inscription - other text, Ruler, king, cacique, governor, potentate, Offering to humans or gods, Throne
Publications: Coe 73 The Maya Scribe and His World no.22
Iconographic Elements: God D, Itzamnah, Inscription - other text, Twins - Hunahp� & Xbalanqu�
Publications: Coe 73 The Maya Scribe no. 28
Comments: Palace scene with warriors
Iconographic Elements: Inscription - other text, Ruler, king, cacique, governor, potentate, Throne
Publications: The Maya Scribe: His Art and World Coe. Number 32
Comments: Ruler on throne receives tribute of cloth, bundle, and vase See Bacon: http://repository.upenn.edu/dissertations/AAI3292005/
Iconographic Elements: Ah K'hun, orator, Female, Bundle, tribute, cache, Cloth, Dwarf, Inscription - other text, Ruler, king, cacique, governor, potentate, Offering to humans or gods, Throne
Owner: The Princeton Art Museum, Princeton, NJ- L,1974.37
Site: Jaina
Comments: One of the few vases said to have been found on the island of Jaina. Given the style, however, it probably originates in the Northern Peten.
Iconographic Elements: Blood, Inscription - other text, Penis perforator, Ruler, king, cacique, governor, potentate, Self sacrifice
Figure Count: 11
Publications: Coe 73 The Maya Scribe and His World no. 38
Site: Tikal
Comments: The water lily jaguar and God Aprime. CLICK HERE for the shape of the vessel
Iconographic Elements: Axe, Blood, Dog, canine, Hand stone, tri-lobe, Inscription - other text, Jaguar, Water lily Jaguar, God A', God Aprime, Ah Kan, Monkey, Penis perforator, Sacrifice, Trophy head
Publications: Coe 73 219G41
Iconographic Elements: Birds, Inscription - other text
Go to Page: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194


text:
package cricket.utils;

public class Pair<T1, T2> {

	private T1 fst;
	private T2 snd;

	public Pair(T1 first, T2 second) {
		fst = first;
		snd = second;
	}

	@Override
	public int hashCode() {
		final int prime = 31;
		int result = 1;
		result = prime * result + ((fst == null) ? 0 : fst.hashCode());
		result = prime * result + ((snd == null) ? 0 : snd.hashCode());
		return result;
	}

	@Override
	public boolean equals(Object obj) {
		if (this == obj)
			return true;
		if (obj == null)
			return false;
		if (getClass() != obj.getClass())
			return false;
		Pair other = (Pair) obj;
		if (fst == null) {
			if (other.fst != null)
				return false;
		} else if (!fst.equals(other.fst))
			return false;
		if (snd == null) {
			if (other.snd != null)
				return false;
		} else if (!snd.equals(other.snd))
			return false;
		return true;
	}

	public T1 getFirst() {
		return fst;
	}

	public T2 getSecond() {
		return snd;
	}

}

redpajama_set_name: RedPajamaGithub


text:
Coravin goes automatic with Model Eleven
Chris Mercer January 12, 2018
Coravin Model Eleven. Credit: Coravin
Coravin is planning to release an automated version of its wine preservation gadget together with an app that can match wines with music.
Coravin demonstrated its automated 'Model Eleven' at the CES 2018 tech show in Las Vegas this week.
It works exactly the same as earlier models, in terms of its ability to extract wine from the bottle without pulling the cork, Coravin said.
But, the new version, which is set to cost nearly $1,000, has automated features to tell owners when the wine is ready to pour.
See also: Coravin launches screwcap version
Once the needle has been pressed through the cork and into the wine, an LED system on the device will show a green light when the wine is ready to be poured.
Coravin Model Eleven can also connect via Bluetooth to a newly developed Coravin app, named Coravin Moments.
Coravin Eleven is set to cost $999.95 when it is released in September 2018, across the US, Europe and Asia-Pacific regions.
Coravin partnered with Delectable, the app recently acquired by Vinous, to provide information on the wines for Coravin Moments, which will initially be available for download on Apple iOS mobile in September 2018.
The Moments app can also match wines with food and even your favourite song or film, as well as flag up when it is time to order replacement needles and argon gas capsules, Coravin said.
Argon, an inert gas, replaces wine poured from the bottle through the needle, helping to preserve the remaining wine by preventing too much contact with oxygen.
Coravin has become a regular fixture in many restaurants since its launch, helping sommeliers to serve more wines by the glass.
Long read: Coravin – Changing the way we drink wine


Several youth ministries incorporate a personal rule of life into the discipleship of teens. Youth workers who do this recognize the value a personal rule of life has for teens who are attempting to answer life questions of identity, purpose and belonging in a constantly shifting culture that offers them a new answer every day. The rule of life offers teens a guide to navigate the continual changes they will experience not only as an adolescent but also as an adult.
1. Honesty is more important than orthodoxy. You are attempting to get students to express their convictions and beliefs, not the church's. So if you are going to develop a personal rule of life with youth then you need to shoot for honesty rather than orthodoxy in their statements on their belief about God, humanity and the future.
2. Longevity is a necessity. Your goal for using a personal rule of life with youth should include equipping them for life and faith beyond adolescence. This necessitates that the rule of life is a part of years of conversations with youth. Only with longevity in mind from the start will you be able to see how a personal rule of life will assist them in spiritual growth.
3. Rewrites are important. If honesty and longevity are embraced then rewrites are important. You will need to revisit a personal rule of life with youth at least once a year, prompting them to make revisions. This allows them to reflect on how God has changed not only their beliefs but also the specific practices, and hopefully they will see how they are becoming more like Christ.
4. Personal evaluations for personal transformation. Beyond revisiting for a rewrite, there needs to be regular times for youth to do personal evaluations or examinations in the context of the youth group. These times of soul searching will give teens the opportunity to confess how they are not living up to their beliefs or to celebrate how they are embracing who God has created them to be. Either way, confession or celebration, the goal of personal transformation will be close because the rule of life will be seen as a true guide for their life.
Do you use a personal rule of life with youth? What rules would you add to the list?


text:
UFO Story Covered by 60 Minutes
On Sunday, May 16 2021, CBS News aired a news segment on its 60 Minutes program covering the UFO/UAP topic that has been circulating in the news lately.
Here are a few quotes that stood out to me from the segment:
Luis Elizondo, former member of the Pentagon's Advanced Aerospace Threat Identification Program, or (AATIP)
"Imagine a technology that can do 6-700 G-forces, that can fly at 13,000 miles an hour, that can evade radar, that can fly through air, and water, and possibly space, oh and by the way, has no obvious sign of of propulsions, no wings, no control surfaces, and yet can still defy the natural effects of earth's gravity — that's precisely what we're seeing."
Former Navy pilot Lieutenant Ryan Graves:
"If these were tactical jets from another country that were hangin' out up there, it would be a massive issue. But because it looks slightly different, we're not willing to actually look at the problem in the face. We're happy to just ignore the fact that these are out there, watching us every day."
Dave Fravor, commander of the F/A-18F squadron on the USS Nimitz
"Oh there's, there's definitely something that… I don't know who's building it, who's got the technology, who's got the brains. But there's, there's something out there that was better than our airplane. "
US Senator Marco Rubio (R-FL)
"I want us to take it seriously and have a process to take it seriously. I want us to have a process to analyze the data every time it comes in. That there be a place where this is cataloged and constantly analyzed, until we get some answers. Maybe it has a very simple answer. Maybe it doesn't."
It may seem strange to some readers here, but one of the reasons I started this website back in 2011 was that I had been convinced for a long time that UFO phenomena that had been reported over the years demonstrated that technology could be far more advanced than what we currently have, and therefore advanced energy technology such as the E-Cat was certainly not impossible, and was something that could be beneficial for humanity.
UFO technology showed that someone has a much greater understanding of physics, and control of the elements than we do, and to me, that means we have something to inspire us to greater technological progress.


text:
Trump sends fiery impeachment response; Dems say he 'abandoned oath'
Breuer notches win in Vegas, nets over $26,000
TED HARBIN Rodeo Media Relations
LAS VEGAS – Over the first four nights of the National Finals Rodeo, things weren't going well for bareback rider Ty Breuer.
He changed that in a big way Tuesday, matching moves with the Calgary Stampede horse Tootsie Roll for 88 points to win the sixth round, pocketing $26,231 in the process. It was his first paycheck of this year's championship.
"It was very important, especially for the confidence," said Breuer, a four-time NFR qualifier from Mandan. "I just had to keep trusting in the Lord and keep spurring, and I knew it would all come together."
He has ridden five of six horses, bucking off during Saturday's "eliminator" pen. Other than that, though, he's placed out of the money … until Tuesday.
Of course, it helped that he had Tootsie Roll, a powerful sorrel that guided fellow bareback rider Caleb Bennett to 84 points to place on opening night on Dec. 6. Besides the NFR, Tootsie Roll also has been selected to buck at the Canadian Finals Rodeo.
Breuer, though, needed to make a change in his mental approach.
"I've been fighting my head," he said. "I hadn't been on for a while before we got here, and I was sore. Now the soreness is starting to leave the body. My body's getting used to it again."
To that end, he completed infusion therapy Tuesday in hopes it could make a difference.
"Steven (Dent) has been getting it done, and he's been doing good," he said. "I thought I'd change things up and try it."
Now that the muscles are looser and the mind is right, Breuer has four more nights in the ProRodeo season to collect as much money as possible.
"This is a good way to get back into it," Breuer said. "I knew I had it in my; I just had to go do it."
Round 7 started at 9 p.m. on Wednesday night. The NFR runs through Saturday in Vegas.
Area Sports Briefs: Jan. 14
AREA SPORTS
Darras dominates for Mandan
There were big shoes to fill this season for the Mandan girls basketball team.
U-MARY WOMEN TOP UMD
Zander, Braves beat Blue Jays
Parker Zander is making up for lost time.


According to the Bureau of Labor Statistics, the health care industry is experiencing accelerated growth, and workers with health care knowledge and skills are in high demand. Community Education is offering a few introductory training classes and programs that can help you get started or enhance your career in health care Imagine a career in the exciting & booming health care industry!
For more information on class times and dates, call 408.855.5131. See also Pharmacy Tech.
Mission College, in partnership with Ed2Go, offers online only, open enrollment programs designed to provide the skills necessary to acquire professional level positions for many in-demand occupations.
Programs are designed by a team of professionals from each respective field, providing you with effective web-based learning programs. Instructors/mentors are actively involved in your online learning experience, responding to any questions or concerns, as well as encouraging and motivating you to succeed.


So usually after the shows it takes me a second to wind down. Grab a nightcap and these jams will take you from where you are to where you need to be.
This is an after party right? Next time you hear this song listen to the backing track, its basically a G funk record.
A record that works equally well on the floor and in the bedroom.
Louis Cole is a mad genius, most people would recognice his work with Thundercat.
Ok so I actually remixed this one but the original by Jarreau Vandal is still one of my heavy favorites, I'll rock with it in 2069.
I was lucky enough to tour with HONNE awhile ago. Lovely musicians and even nicer people, this might be their best work.
Goldlink always untouchable you might as well put on the whole record.
I wonder how many babies have been made to this one over the years. Also one of the most sampled artists.
Imagine if Mr Rogers got his heart broken and wrote a song about it.
Riri stays making the right moves except I wish this track was 12 minutes.
Slum Village forever. Miguel Atwood Ferguson with the definitive tribute to Dilla and Baatin.
so I reached out and sent them some piano ideas for it and that was how we connected. A few months ago we finally met backstage at Electric Forest in Michigan where were both performing and hit it off. They're based in LA so I went into the studio with Ryan one day and started playing out these chords, he put down some drums and very quickly we had a club jam! It very much captures the vibe and energy of our projects together. I've been playing the demos out in in Asia and the US and the response has been great so getting Dances on the final version was the cherry on top".
Pat Lok has become a staple in the playlists of tastemakers and clubs worldwide – as the sole Canadian artist on legendary French label Kitsuné Musique and the first act signed to Pete Tong's new PTSongs. With a debut album already reaching over 4M streams across platforms, including official remixes for Galantis and SG Lewis, the talented producer is ready to announce his upcoming EP via Kitsuné Musique later this year. Party Pupils formed when MAX, after a string of solo hits, including the Billboard Hot 100 (#20) single 'Lights Down Low' and his Noah Cyrus collaboration, 'Team', got together with RyanEXOE in 2016 to form Party Pupils as a party-starting, future-funk dance duo.
While making a name for themselves off innovative remixes and covers, Party Pupils were hand-picked to support both Louis The Child and Steve Aoki, respectively, on various US dates. Fresh off the buzz of their recent single 'Love Me For The Weekend' feat Ashe, described by Billboard Magazine as 'hot and house-y', the duo are pleased to announce details of their debut release with Pat Lok on Kitsuné Musique. Both artists head off on a co-headline tour this January across the US this January.


A pretty big update for today (finally).. Added The Slippery Slide of Death Episode 3, the last one for a while like I said before, for about 3 weeks. Also, added a Help section, lets you know a little about the site if you're unsure about some things.. You can also access the help from the "Add to FlashStuf Favorites" button on the animation pages. And finally, well that's it. But some new site changes will be made this week. Some re-arranging, basically stuff to make it all look better. Look for that this week.
Vote for your favorite games on FlashStuf.
Your votes will help determine the top games on this site.
Also, I'm going on vacation next week, for about 3 weeks, so there won't be any updates more than likely. If you have any content to submit, submit it now so I can get it up before I leave.
Again some very good news.. The software I use to update this site is finally working again! So this'll make it much easier to update now.. Hopefully I'll get the Featured Work section back on here, more animations with ratings and "Add to FlashStuf Favorites," and I'm gonna try to clean up the site a bit. If you haven't noticed, I just recently cleaned up the Chicken Cheese Productions site and converted it to XHTML and stuff but it would be way too hard with this site. Anyways, it'll be cleaned up a bit soon. And there will be hopefully 2 new animations on Sunday, but definitely at least 1.
Well I updated the archives page, it now has all the news from August 2005 until now. More and more animations and games are getting the ability to be rated, and added to your FlashStuf Favorites, and I'm working on a tool for the artists of this site to see the ratings on their animations. Also, if you don't know or don't want to use the RSS Feed, you can now sign up to receive updates by email, here.
The new series, The Slippery Slide of Death, will now be a weekly series, with a new episode coming out every Sunday. So check back this Sunday. Also, you can rate many more animations and games now, and I'll be adding even more soon. Don't forget to vote!
Well.. A very good day for this site. I added The Slippery Slide of Death Episode 1, a new series from Chicken, and got the old FlashStuf Favorites to work. All before 5 this morning too. So far, I only have the button on The Slippery Slide and of course Bang Bang Bang. I'll get it added to some more pages by tomorrow. I also made it so I can put it on every single animation/game on this site, so maybe that'll happen eventually too.
UPDATE: Some more good news.. There's now a way for the ratings to be updated automatically, and I'm putting it on some of the newer animations first, and later some more. Besides for Bloody Pingu Throw, all votes already made on the animations won't be counted.
Along with my birthday, today is the official 1 year anniversary of FlashStuf.com. But yes, FlashStuf has been up since about November 8, 2003. It was just under flashstuf.homestead.com. Anyways, I made something new in flash, it's just a myspace thing. Or really anything else if you want. It's Message Typer, basically you customize it, add a message and it types it out for you. Go check it out and you'll see. Also, the Chicken Cheese Productions site has all animations up now. Go enjoy those too.
We now have a new artist, doubleobenny, and his new animation (Twinkletoes Part 1) to go along with that. And if anyone else wants to submit some flash work, remember to send it to this e-mail address. Also, the next RSS Maker update will be delayed. You can preview it, however, here (version 1.1.9).
Yoiu may not believe this but.. today.. I.. added a completely never before seen animation done by me. One you get over the shock, you can click here to watch Randomness in Widescreen. I actually made it about 2 months ago, but adding it the the Chicken Cheese Productions site (watch here (includes comments)) made me realize I have never put it on here and you all might enjoy some new content for once. Also, check out the Chicken Cheese Productions site, it has some news about my lack of new stuff and most of the animations I've ever created with comments from myself. Also, top 10 updated. And (as if I was going to update), I'm going to the beach this weekend. So no updates till monday at LEAST.


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Petrified Forest Field Institute
Learn - Explore - Discover
2019 Classes
Custom Trips
Guided Custom Trips
"Step-On" Bus Tours
Relics of Route 66
Instructor: Bill Parker
March 30, 2019	@ 8:30 am	– 1:00 pm
Known by many names over the years, the most famous road in America was affectionately dubbed the Mother Road. Established in 1926, U.S. Route 66 was a symbol of opportunity, exploration and adventure. From Chicago to Los Angeles, Route 66 was the primary route of westward migration for decades.
Route 66 stretched nearly 2,500 miles and, at the time, only went through one national park – Petrified Forest! A line of telephone poles still marks the historic road bed within the park.
We will meet at the Painted Desert Visitor Center at the north park entrance (Interstate 40, exit 311) at 8:30 am. Transportation for the tour will be provided. We will travel within and in the immediate vicinity of Petrified Forest National Park to include visiting portions of Route 66 not easily accessible to the general public.
We will break for lunch at the Historic Painted Desert Inn before continuing our tour and conclude the tour back at the Painted Desert Visitor Center around 1 pm, with time afterwards to continue exploring the park on your own.
For your comfort and safety wear sturdy, closed-toe shoes, comfortable clothing for the season, hats, sunscreen and bring plenty of water. Several stops will include remnant buildings where hazards such as broken glass and metal shards are present.
$39 – Non-Member
$30 – Member *Learn more at PFMA site
Optional sack lunch (Deli style turkey or vegetarian sandwich, granola bar, and fruit): $8 – or pack your own lunch
For your comfort and safety, wear sturdy, closed-toed shoes, comfortable clothing for the season, hats, sunscreen, and bring plenty of water.
Maximum number of participants: 6
Minors are to be accompanied by a parent or guardian
Class registration does not include park entrance fees. For more information, visit the FAQs page.
« In the Land of Color: Exploring the Devil's Playground
Ice Cream Rocks and Lumberyard Tour »
Petrified Forest Field Institute (PFFI) is a program of the official nonprofit park partner, the Petrified Forest Museum Association (PFMA). PFFI is proud to offer guided hiking tours exploring a variety of fun and compelling subjects lead by world class guides and field experts.
Petrified Forest Field Institute courses provide a fun, professional and experiential academic opportunity to gain professional development hours, or CEUs.
Free Park Newsletter
You can opt out at anytime.
Copyright © 2019 · Petrified Forest Field Institute · All Rights Reserved · Privacy Policy · Log in
Photos courtesy of Petrified Forest National Park unless stated otherwise.


The story of a goldmining boom town centering on the work-and-play partnership of two miners and the wife they share.
Paramount Pictures ; adaptation by Paddy Chayefsky ; screenplay, lyrics and producer, Alan Jay Lerner ; directed by Joshua Logan.
Hollywood, CA : Paramount Home Video, c2001.
In English or French with English subtitles.
Lee Marvin, Clint Eastwood, Jean Seberg, Ray Walston, Harve Presnell.
Director of photography, William A. Fraker ; editor, Robert C. Jones ; music by Frederick Loewe ; orchestral music scored and conducted by Nelson Riddle ; featuring the Nitty Gritty Dirt Band ; additional songs, André Previn.
Based on the Lerner and Loewe Broadway musical play.
Originally released as motion picture in 1969.
Special features includes original theatrical trailer.
Loewe, Frederick, 1901-1988 Film adaptations.


Coastal Transport provides a 140 Tonne 4 platform public weighbridge with 24 hours access.
Standard Weighbridge account cardholders have access to the weighbridge 24 hours a day. Non-cardholders can access the weighbridge with staff assistance between the hours of 7:30am to 5pm Monday to Friday. If you would like a 24 hours access card please contact Standard Weighbridges to setup an account.


How to get the cheapest price for your ticket from Zaandam Kogerveld to Langenhagen?
Our search engine will always offer you the lowest fares for your e-ticket to Langenhagen.
Advance train tickets from Zaandam Kogerveld to Langenhagen are the cheapest train tickets. You may book up to 3 months in advance.
The most popular dates and times of departure to go to Langenhagen from Zaandam Kogerveld are often more expensive.
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Questions , remarks about your rail trip Zaandam Kogerveld to Langenhagen?


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Xbox controller given Scottish twist as Microsoft celebrates 20 years in Scotland
Gamers can get their hands on the new controller in the competition, but there will be a chance to get hold of one when a limited number go on public sale
The tartan includes a range of shades of green, including the colours used in the Xbox brand (Image: Xbox)
Xbox have given their controllers a Scottish makeover as they unveiled a stunning new tartan design for the iconic games console remotes.
The new controller has been revealed as Microsoft celebrates 20 years of Xbox in Scotland.
A new partnership with Gordon Nicolson Kiltmakers and Lochcarron of Scotland saw the designing of a new tartan that incorporates the iconic green colours of Xbox.
Lochcarron is the oldest weaving mill in Scotland based in Selkirk in the Scottish Borders.
The kiltmakers have also done designs for several football teams including Celtic, Rangers, and the Scotland National Team.
The design covers the front of the controller, and the pattern has officially been endorsed by the Scottish Tartans authority.
Meet the group looking to reignite Aberdeen's passion for retro gaming
Xbox told Eurogamer: "The pattern, using the brand's iconic colours, has been endorsed by the Scottish Tartans Authority and entered into The Scottish Register of Tartans,".
"The landmark pattern and limited-edition controllers commemorate the history of Xbox with a contemporary design created by Edinburgh-based tartan designer Gordon Nicolson, makers of the Scotland National Football Team Tartan."
We created an Xbox tartan then hand-crafted a custom Xbox controller with it.
Follow and RT with #XboxTartanSweepstakes for your chance to win, thanks to Gordon Nicolson Kiltmakers!
Age 18+. End 5/3/22. Rules: https://t.co/8uGhoFgqMs pic.twitter.com/k6WVfWYAhp
— Xbox (@Xbox)
Tartan designer Gordon Nicolson said: "It's an honour to work in partnership with one of the biggest technology brands in the world.
"It's certainly a collaboration that hadn't sprung to mind for us, connecting kilts and games consoles, but we actually have many shared values – innovation, expression of creativity and a sense of heritage. Coming together to celebrate Xbox's 20th anniversary is the perfect marriage for us."
Xbox EMEA social media marketing manager Graeme Boyd added: "We are so pleased that we can celebrate the anniversary for Xbox in Scotland in a fun, authentically Scottish way.
"It's fantastic that we're able to work with innovators in a grand Scottish tradition like Gordon Nicolson, whilst giving something exceptional to gaming fans."
Gamers can get their hands on the new controller by entering Xbox's competition through the post on their Twitter page.
A limited number of tartan controllers will also be going on sale, so keep an eye out if you want to give your gaming experience a Scottish twist.
New Aberdeen festival to feature 'mind-blowing' technology and 'cutting-edge' robots
Retro Consoles celebrate Video Games Day by setting up to play favourites like Mario Kart at Pittodrie


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Home » Tattoo Ideas » Pixie Tattoo Meanings »
Like Fairies, Pixies originated from the Celtic tradition. It is believed that the Picts tribes of Eastern and Northern Scotland may have been the inspiration for these tales. The Picts were known to tattoo their skins with a bright blue dye and in fairytales, pixies are often described as small, magical creatures with blue skin. The word pixie is believed to be derived from the Latin word picti which means 'painted people'.
The difference between Pixies and Fairies
Pixies and fairies are thought to be interchangeable, but there are differences between the two:
Pixies are depicted in pointed shoes with large, pointy ears and an impish grin.
Their skin is usually various shades of blue or green and pixies are sometimes shown in brightly coloured, striped stockings. Images of fairies don't have these traits.
Pixies are considered extremely mischievous, rude, and highly curious; they are the rebels of the two and as such, strong-willed women, who live life off the beaten path, tend to identify strongly with the rebellious nature of pixies than fairies.
The Meaning of Pixie Tattoo Designs
A pixie tattoo is for the mischievous minx who loves to show off her playful side. Free-spirited women often see themselves as pixies and the popularity of these tattoos has been boosted by the celebrities like Kat Von D and Amber 'Pixie' Acia Acia of LA Ink who proudly sport their tats. According to folklore, pixies are magical creatures that embody:
Innocence and Youth
Elements of Nature
Playfulness and Frivolity
Freedom and Independence
Pixie Tattoo Design Variations
Since fairies and pixies are so similar, most of the same elements are used in both tattoo designs, though the meanings vary slightly. The mischievous and defiant nature of the creatures mean that pixie tattoos tend to have a more rebellious character.
Dancing Pixie Tattoos
According to legend, pixies are jovial creatures who won't pass up a chance to bust a move. As such, many pixie tattoo designs feature these little creatures playing instruments and having a great time. These tattoos are the ultimate salute to your frivolous and playful nature, symbolizing Freedom, Youth, and Mischief.
Butterfly Pixie Tattoos
Tattoos with pixies and butterflies symbolize a bond with Nature, Rebirth, Growth, and Transformation. Sometimes the pixie is given the wings of the butterfly to symbolize Freedom and the need to explore.
Gothic Pixie Tattoos
Gothic Pixie tattoo designs have pixies that look tormented and often incorporate gothic elements like blood and skulls. The pixies in these pieces are usually dressed in purple or black to give a beautiful contrast to the pixie's blue skin while maintaining its Goth undertones. Gothic Pixie tattoos usually symbolize Anger and Defiance.
Evil Pixie Tattoos
Pixies are like imps - they are the ultimate practical jokers - so it's no surprise that there are tons of Evil Pixie tattoo designs. Like Gothic Pixie tattoos, these designs are peppered with features that symbolize Anger and Defiance, but some designs have hints of Mischief. Puck from Shakespeare's A Midnight Summer's Dream is a perfect example of a pixie who's up to no good.
Sexy Pixie Tattoos
Sexy Pixie tattoo designs are full of mischief and sexual power. The designs are usually erotic and very playful, with some influence from Pin-up girl designs. In these pieces, it's more about temptation than erotica.
Tribal Pixie Tattoos
The spiritual significance of Tribal tattoo designs give pieces with pixies an element of Spirituality that isn't otherwise associated with pixies. Tribal Pixie tattoos symbolize a connection to Nature, a particular culture, or family. Sometimes, the outlines of the tribal patterns resemble flames. In this case, pixies tattoos with tribal patterns can also be a reference to Defiance, Independence, and Rebellion.
Celtic Pixie Tattoos
Celtic Pixie tattoos hark back to the origin of these legendary beings and is rooted in a connection with Mother Earth. According to legend, pixies are always found near places with ancestral ties, so a Celtic Pixie tattoo design is a nod to your ancestry and the ties that bind.
Sitting Pixie Tattoos
Like peas in a pod, pixies and Nature go hand in hand. Most pixie tattoo designs feature pixies sitting on (or around) mushrooms, flowers, butterflies, dragons, or stars. The meaning of the artwork varies depending on the elements in the piece. A pixie on a star represents Freedom, Magic, and the fulfilment of desires (ever heard of Pixie Dust?), while a flower is a symbol of a connection to Nature and Growth.
Pixie Flower Tattoos
According to legend, pixies spend their days eating pollen and tending to the beautiful flowers of unsuspecting human gardeners. In fact, the flower prince in Hans Christian Andersen's Thumbelina is believed to be a pixie. The meaning of a Pixie tattoo design various depending on the flower being shown (Sunflowers, Daisies, Lilies, etc.) and symbolizes Frivolity and Playfulness, Love, Longevity, Warmth, Purity, Mischief, Youth, Motherhood, and a deep connection with Nature.
Fairy Pixie Tattoos
Although pixies and fairies share the same history and many of the same symbols, there are differences between the two. Generally, pixies are more strongly linked to Discord and Mischief than fairies. Fairy Pixie tattoos evoke a blend of Mischief, Innocence, and Youth.
Unique Pixie Tattoos
A pixie that resembles an alien? A Snookie Pixie? Popular culture has a strong impact on tattoo designs. These customized tattoos have specific elements that are significant to the wearer, such as a reminder of a special event or person.
Regardless of your reasons for getting a pixie tattoo, you can get inspiration for your artwork design from anywhere, whether it's from a historical book or a crazy reality TV show. The most important thing is that you take the time to create a design that fits your personality. You want to glow with pride in 20 years when you look at your artwork, not hang your head in shame after 20 minutes. If you need some inspiration, then visit our design page at www.itattoodesigns.com or take advantage of our Custom Design Service and our team can create your unique masterpiece.


With the winter completely behind us, all our marathons and halfs for the first part of 2011 in the record books, lets get together to celebrate the season and prepare to usher in the next season. This Sunday, yes THIS SUNDAY, June 12th will be the Winter/Spring 2011 Sunday Long Run Brunch. Get your run in on Sunday then meet us over at Sue Worrall's (251 Upham St in Melrose) at 10:30 for some breakfast, lunch, drinks, and stories from the road.
This is a pot luck brunch, please post here what you plan on bringing so we don't sit around a table full of gu and Snickers (that's what I'm bringing).
Hope to see you Sunday, 10:30AM, Sue's house… who's in, ROLL CALL!


Stuart P. Slotnick told the magazine that there is a clause in the law that residents can use to get around the common rule for NYC apartments to have the no pets, Slotnick explained that you must first prove that your pet is an essential part to your well-being.
"Some residents get medical notes from their doctors prescribing them pets. But any effort to use the loophole for a wild animal would be tranquilized pretty quickly," Slotnick told The Real Deal. Although, he did say that these pets are mostly stopped at dogs and cats.


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House Republican Says GOP Tax Plan 'Mislabeled' as Middle-Class Cut
Kevin Lamarque
Republicans including President Trump, House Speaker Paul Ryan and others have tried to pitch their tax plan as a boon for the middle class. But Rep. Mark Sanford (R-SC) says it's been "mislabeled" and is really more about corporate tax cuts than anything else.
"From a truth in advertising standpoint," Sanford told The Washington Post's Erica Werner, "it would have been a lot simpler if we just acknowledged reality on this bill, which is it's fundamentally a corporate tax reduction and restructuring bill, period."
Sanford, who voted for the Tax Cuts and Jobs Act, went on to say that the sales pitch might have been constructed the way it was in part because of concerns over political perceptions of Trump. "There's a degree of political sensitivity given, I think, the president's net worth and business involvements and of being labeled as what might be best for him," Sanford said. Despite Trump's claims that he won't benefit from the tax plan, analyses have found that he and his family could save more than $1 billion from the tax overhaul.
But as Vox's Tara Golshan notes, the GOP would have faced another problem in pitching a tax cut for businesses: "Cutting taxes on corporations is really unpopular with the American public, even among Republican voters." A recent Politico/Morning Consult poll found that cutting the corporate tax rate from 35 percent to 20 percent was one of the least popular elements of the GOP plan.
"I'll stay on the record that I think tax cuts will pay for themselves." – Treasury Secretary Steve Mnuchin at the...
In an interview with The Wall Street Journal, President Trump said Tuesday that his administration is working on a...
The six biggest U.S. banks have saved $32 billion in taxes, including $18 billion last year, as a result of the 2017...
Yuval Rosenberg
As editor in chief, Yuval Rosenberg oversees all aspects of The Fiscal Times' website and email newsletter. His writing has appeared in publications including BusinessWeek, CNBC.com, CNNMoney.com, Fast Company, Fortune, Newsweek, Money and Time.


Child Nutrition offers assistance to several programs that provide healthy food to children including the National School Lunch Program, the School Breakfast Program, the Child and Adult Care Food Program, and the Summer Food Service Programs, as outlined in the USDA regulations.
Smart Snacks, USDA's standards for all foods sold in schools, . Learn what Smart Snacks are including food, beverage and fundraiser guidelines. Participants will have the opportunity to use the Smart Snacks Calculator.General Standards, Specific Nutrient Standards, Beverage Standards.


I hope my site will better enable me to make my music much more readily available to the public worldwide than radio or any other medium has offered in recent years.
Born on the island of Aruba. After high school he attended Berklee College of music, Boston USA. In 1984 he graduated with a bachelor's degree in professional music. Immediately after college Delbert began working in several showbands in various hotels restaurants on his native island. With a performance career spanning over wel over 30 years Delbert has appeared with, The Aruba Art Ensemble, Arturo Sandoval, Dutch Swing College Band, Cubop bigband, De Nederlands Blazers Ensemble, Kirk Whalum, Roy Hargrove the USA, Venezuela and Europe. Delbert plays a fusion of jazz and Caribbean music.
Interested in booking Delbert Bernabela?


When you log in to a Campus Computing Sites Windows computer or use Virtual Sites, AppsAnywhere will launch in a Chrome browser and allow you to access the software you need. There are two steps to get started.
The first time you access an application using AppsAnywhere, you will be prompted to configure your cloud storage using the Kumo app. Once Kumo is configured to grant access to U-M Box and/or U-M Google Drive, you will be able to choose between those locations to store your files. These locations are then available to you when you are logged into AppsAnywhere.
A box in the lower right corner of the AppsAnywhere screen will prompt you to set up your storage. Pick at least one option—either U-M Box or U-M Google Drive—to map the storage option to your local network and allow you to save your work while using Sites computers. For additional details, visit the Kumo support page or visit the Kumo login page.
NoteThis prompt will appear until you set up your network storage, but you will only need to grant this access once.
After authorizing, the next time you sign into AppsAnywhere you will see those cloud storage options appear as network drives under the "This PC" icon.
Apps that are available for you to use will appear in the AppsAnywhere software portal. The Search Bar makes it easy to find the titles you need quickly. You can also use the search to look for additional associated software that may not appear as a main option.
Click the Launch button in the application you would like to open. AppsAnywhere uses Cloudpaging to display the status of the app you are trying to launch via a small window that will appear while the software loads. You may ignore or close this window.
You can access software that has additional components from the Start Menu (e.g., When using Adobe Photoshop, you can access Adobe Bridge from the Start Menu if needed).
Visit the AppsAnywhere support page for more help.
How do I find the software I need to use?
Use the search bar in the top right-hand corner of the page to search AppsAnywhere for the title you need. Some software titles are contained as sub-titles within another app, so you may see a different main app appear in your search results. Once you click Launch on the main app, you can find your software by clicking the Start button in the lower left corner and searching for the sub-title you're looking for. Click the title's name to open.
If after searching you still can't find the title you need to use, you may not have access to that software. Please review the information on the Campus Computing Sites software access page to see if you are eligible.
Does my Mac computer have access to AppsAnywhere?
Unfortunately, if you try to access AppsAnywhere through a mac, you will receive an error.
Software licenses and your role at the University of Michigan, determine what software you can access on a Sites workstation. If you feel there is a circumstance where you have a legitimate reason for using a software title that is not in conflict with the intent of the licensing terms, please review the Campus Computing Sites website for next steps.