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Wood Veneer

Traditionally, veneers were also sawn, but this is more wasteful of wood. Veneering is an ancient art, dating back to the ancient Egyptians who used veneers on their furniture and sarcophagi.

In addition to the obvious savings of our natural resources, many projects built using wood veneer would not be possible to construct using solid lumber. Due to expansion and contraction common to all wood products and caused by changes in humidity, many of the patterns and designs possible with veneers would self destruct, if attempted with solid lumber. The limitless designs done with marquetry and parquetry would also be impossible.

Wood Veneer

Maine to consider cell phone cancer warning

AUGUSTA, Maine – A Maine legislator wants to make the state the first to require cell phones to carry warnings that they can cause brain cancer, although there is no consensus among scientists that they do and industry leaders dispute the claim.
The now-ubiquitous devices carry such warnings in some countries, though no U.S. states require them, according to the National Conference of State Legislators. A similar effort is afoot in San Francisco, where Mayor Gavin Newsom wants his city to be the nation's first to require the warnings.
Maine Rep. Andrea Boland, D-Sanford, said numerous studies point to the cancer risk, and she has persuaded legislative leaders to allow her proposal to come up for discussion during the 2010 session that begins in January, a session usually reserved for emergency and governors' bills.
Boland herself uses a cell phone, but with a speaker to keep the phone away from her head. She also leaves the phone off unless she's expecting a call. At issue is radiation emitted by all cell phones.
Under Boland's bill, manufacturers would have to put labels on phones and packaging warning of the potential for brain cancer associated with electromagnetic radiation. The warnings would recommend that users, especially children and pregnant women, keep the devices away from their head and body.
The Federal Communications Commission, which maintains that all cell phones sold in the U.S. are safe, has set a standard for the "specific absorption rate" of radiofrequency energy, but it doesn't require handset makers to divulge radiation levels.
The San Francisco proposal would require the display of the absorption rate level next to each phone in print at least as big as the price. Boland's bill is not specific about absorption rate levels, but would require a permanent, nonremovable advisory of risk in black type, except for the word "warning," which would be large and in red letters. It would also include a color graphic of a child's brain next to the warning.
While there's little agreement about the health hazards, Boland said Maine's roughly 950,000 cell phone users among its 1.3 million residents "do not know what the risks are."
All told, more than 270 million people subscribed to cellular telephone service last year in the United States, an increase from 110 million in 2000, according to CTIA-The Wireless Association. The industry group contends the devices are safe.
"With respect to the matter of health effects associated with wireless base stations and the use of wireless devices, CTIA and the wireless industry have always been guided by science, and the views of impartial health organizations. The peer-reviewed scientific evidence has overwhelmingly indicated that wireless devices do not pose a public health risk," said CTIA's John Walls.
James Keller of Lewiston, whose cell phone serves as his only phone, seemed skeptical about warning labels. He said many things may cause cancer but lack scientific evidence to support that belief. Besides, he said, people can't live without cell phones.
"It seems a little silly to me, but it's not going to hurt anyone to have a warning on there. If they're really concerned about it, go ahead and put a warning on it," he said outside a sporting good store in Topsham. "It wouldn't deter me from buying a phone."
While there's been no long-term studies on cell phones and cancer, some scientists suggest erring on the side of caution.
Last year, Dr. Ronald B. Herberman, director emeritus of the University of Pittsburgh Cancer Institute, sent a memo to about 3,000 faculty and staff members warning of risks based on early, unpublished data. He said that children should use the phones only for emergencies because their brains were still developing and that adults should keep the phone away from the head and use a speakerphone or a wireless headset.
Herberman, who says scientific conclusions often take too long, is one of numerous doctors and researchers who have endorsed an August report by retired electronics engineer L. Lloyd Morgan. The report highlights a study that found significantly increased risk of brain tumors from 10 or more years of cell phone or cordless phone use.
Also, the BioInitiative Working Group, an international group of scientists, notes that many countries have issued warnings and that the European Parliament has passed a resolution calling for governmental action to address concerns over health risks from mobile phone use.
But the National Cancer Institute said studies thus far have turned up mixed and inconsistent results, noting that cell phones did not come into widespread use in the United States until the 1990s.
"Although research has not consistently demonstrated a link between cellular telephone use and cancer, scientists still caution that further surveillance is needed before conclusions can be drawn," according to the Cancer Institute's Web site.

Motorola Inc., one of the nation's major wireless phone makers, says on its Web site that all of its products comply with international safety guidelines for radiofrequency energy exposure.

A Motorola official referred questions to CTIA.

Cold snap causes holiday travel chaos in Europe

PARIS (AFP) –
Tens of thousands of European travellers were stranded Sunday in rail stations, traffic jams and airports as heavy snow and ice caused massive disruption at the start of the Christmas holiday season.

At least 19 people froze to death, mainly in Poland and mostly homeless people or drinkers caught out in temperatures that were glacial across Europe, plunging as low as minus 33 Celsius (minus 27 Fahrenheit) in parts of Germany.

Forecasters across the continent are expecting more snow and freezing rain over the next couple of days, but with temperatures rising slightly and the outlook gradually improving in the run-up to Christmas Day on Friday.

Roads and railways were closed or disrupted by snow, black ice or floods across northern and western Europe from Portugal to the Netherlands, and flights from British, Belgian, Dutch, French and German airports delayed.

The most embarrassing scenes for transport operators hit cross-Channel transport between Britain and France, after the Eurostar passenger service from London to Paris was shut down following at least five breakdowns.

Eurostar, the operator of the Channel Tunnel passenger trains, admitted it could not say when services would resume, with more than 24,000 passengers attempting inter-city travel ahead of the Christmas break stranded.

The company said it would send test trains along the route to see if they can withstand the sub-zero temperatures in northern France, which are thought to have caused trains to break down in the tunnel late Friday.

"We did run two or three trains yesterday, they all got through the tunnel OK, but one or two of them showed symptoms of the problem that happened on Friday night," Eurostar director Richard Brown told the BBC.

French Euro MP Dominique Baudis said he would call for the European Commission to investigate after he and his family were among those stuck.

More than 2,000 passengers spent Friday night trapped in the undersea tunnel, some without anything to eat or drink. There were reports of heated disputes on board and some passengers bitterly criticised the company.

Approach roads to the ports of Dover and Calais were snarled by tail-backs because of heavy snow and queues of trucks waiting for delayed shuttle trains through the Channel Tunnel.

"Eurotunnel has advised us that waiting times are up to two hours at the terminal," Kent police Superintendent Matthew Nix said, warning car and truck drivers without reservations to stay away.

At Paris Charles de Gaulle airport 40 percent of flights were cancelled and the remaining services were leaving an average of one hour late, while the city's second airport Orly was the scene of a strike by security staff.

In the Belgian capital Brussels a flight was able to leave just after sunrise for Seville in Spain, but afterwards heavy snow forced authorities to halt all flights from airports in Brussels, Liege and Charleroi.

"We're putting everything into clearing the runway as quickly as possible, but it all depends on how the weather develops," a Brussels airport spokesman told AFP.

Heavy snowfall also closed Germany's third largest airport in the western city of Duesseldorf, authorities said, and in the Netherlands a dozen flights from Amsterdam Schipol were cancelled.

International Thalys trains between Brussels, Paris and Amsterdam were also delayed and Sunday football matches were cancelled as far south as Italy and across much of the north.

The weather problems in Europe came as the eastern United States experienced an even more ferocious snowstorm, which blanketed several states, paralysed transport and cut off power to hundreds of thousands of homes.

Word Is Out: Rudolph's Red Nose May Just Be Makeup (Dear Abby)

DEAR ABBY: With the holidays here, songs about Santa and his reindeer are filling the air. I'm writing to talk about reindeer antlers. Reindeer are unique because they are the only members of the deer family in which both genders have antlers, which are made of bone and grown annually.

In the summer and fall, you cannot identify a reindeer as a "he" or a "she" without further investigation. In late December, however, only the females still have their antlers.

During the summer months, the males use their antlers to attract females and defend their harem (anywhere from five to 15 females) from other males. When they are no longer "looking for love," the males lose their antlers. The females, on the other hand, keep theirs through the winter and into the spring, and use them to compete for food and to protect their young.

The only reindeer with antlers at Christmastime are the GIRLS, Abby. So Rudolph would have been appropriately named "Rudolphia," and the other reindeer would have been laughing and calling HER names until the glow from HER nose guided Santa's sleigh that foggy Christmas eve. -- JOYCE CAMPBELL, PH.D.

DEAR DR. CAMPBELL: Fascinating. This clearly explains why Santa doesn't get lost at Christmas. Females are never reluctant to ask for directions ... ho, ho, ho.

DEAR ABBY: I demonstrate products in a supermarket. It isn't easy, and sometimes I feel like I'm between a rock and a hard place.

Will you please tell parents that if we do not give their children samples of food, it is for their own good. We don't know what kind of food allergies their children may have. The company I work for will fire us if we give samples to children without a parent first giving permission. -- TRYING HARD IN TULSA, OKLA.

DEAR TRYING HARD: You have my sympathy, and I'm pleased to pass along your message. I recently read that food allergies among children are on the rise, and that 4 percent of kids today suffer from one. The policy your company is enforcing is for everyone's protection and should not be misinterpreted. It's in place so that no one's little angel gets sick or has an allergic reaction.

DEAR ABBY: A few months ago, my husband and I were visiting a remote area in the mountains. We were on a narrow, winding road with no shoulder and a guardrail on one side. There was traffic in both directions. As we ambled along, we heard a siren. An ambulance came up behind us and rode our tail, blasting the horn, obviously urging us to let him by.

Although we looked and looked, we could not find a safe place to pull over for several minutes. When we finally did find a space to pull into, the crew threw us dirty looks as they drove by.

I hate to think we endangered someone's life or made the EMTs' job more difficult, but it seemed equally dangerous for us to move into a lane of oncoming traffic. What is the proper etiquette for this type of situation? -- RACHAEL IN ATLANTA

DEAR RACHAEL: When approached by a vehicle with a siren and a flashing red light, a driver should pull as far to the right as possible and stop. Because there was no place for you to pull over, you should have done exactly what you did -- which was to proceed at a safe rate of speed until you found one.

Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips, and was founded by her mother, Pauline Phillips. Write Dear Abby at www.DearAbby.com or P.O. Box 69440, Los Angeles, CA 90069.

What teens need to know about sex, drugs, AIDS and getting along with peers and parents is in "What Every Teen Should Know." To order, send a business-sized, self-addressed envelope, plus check or money order for $6 (U.S. funds) to: Dear Abby -- Teen Booklet, P.O. Box 447, Mount Morris, IL 61054-0447. (Postage is included in the price.)

Forex System

The ten most active traders account for almost 73% of trading volume, according to The Wall Street Journal Europe, (2/9/06 p. 20). These large international banks continually provide the market with both bid (buy) and ask (sell) prices. The bid/ask spread is the difference between the price at which a bank or market maker will sell ("ask", or "offer") and the price at which a market-maker will buy ("bid") from a wholesale customer. This spread is minimal for actively traded pairs of currencies, usually 0–3 pips. For example, the bid/ask quote of EUR/USD might be 1.2200/1.2203 on a retail broker. Minimum trading size for most deals is usually 100,000 units of currency, which is a standard "lot".

Investment management firms (who typically manage large accounts on behalf of customers such as pension funds and endowments) use the foreign exchange market to facilitate transactions in foreign securities. For example, an investment manager bearing an international equity portfolio needs to purchase and sell several pairs of foreign currencies to pay for foreign securities purchases.

Forex System

Bundchen reveals name of son with Brady: Benjamin

BOSTON – The baby boy keeping New England Patriots quarterback Tom Brady and supermodel wife Gisele Bundchen awake at night has a name: Benjamin.
The baby was born Dec. 8. But the day after the birth, Brady said he and Bundchen hadn't chosen a name. Word finally came out Friday when Bundchen posted a holiday message on her Web site.
Bundchen revealed the baby's name when she wrote, "Benjamin is a blessing and I could not be happier."
Brady and Bundchen were married in February. Benjamin is Bundchen's first child. Brady also has a 2-year-old son, Jack, with actress Bridget Moynahan.
Brady had joked earlier in the week about how hard it was to sleep with a new baby in the house, saying it was "a little tough early." He added, "It's coming."

Plus Size Lingerie

AP source: Danica Patrick reaches NASCAR deal

CHARLOTTE, N.C. – A person familiar with the plan says Danica Patrick has reached a deal to enter NASCAR with JR Motorsports.
Patrick will announce a partial Nationwide Series schedule at a Tuesday news conference in Phoenix, the person familiar with her plans tells The Associated Press on condition of anonymity because she has not officially announced her intentions.
Last week Patrick signed a three-year contract extension with Andretti Autosport to stay in the IndyCar series, but its schedule gives her enough time to also try NASCAR.
It's not clear yet how many races she will drive in NASCAR's second-tier series for team owners Dale Earnhardt Jr. and Rick Hendrick.
GoDaddy.com will sponsor Patrick in both IndyCar and NASCAR.

Tiger Woods checks out for the year

THOUSAND OAKS, Calif. – The Tiger Woods Foundation board met as it does every year at Sherwood Country Club. Merchandise was on sale just outside the clubhouse, with large photos of Woods hanging from brick walls.
Everything was in place at his year-end tournament — except for him.
Facing public scrutiny over a car crash that sent him to the hospital and raised questions, speculation and innuendo about how it happened, Woods withdrew from the Chevron World Challenge on Monday, citing injuries. His news conference for Tuesday afternoon was canceled.
The announcement was posted on his Web site as questions kept growing about Woods driving his SUV over a fire hydrant and into a tree at 2:25 a.m. Friday, questions that would have hounded him had he showed up at Sherwood.
Even as players in the 18-man field began to arrive — Graeme McDowell, a Ryder Cup player from Northern Ireland replaced Woods — it was clear Sherwood would be more quiet than ever, just like its host.
Asked to sum up the mood for the week, Padraig Harrington said, "I don't think anyone knows."
Harrington was on the golf course Monday morning when Woods announced he would not play. Having flown over from Ireland, he has not been keeping up with each development and wasn't sure how much it would affect the tournament except for the obvious.
That's one less player to beat.
"The more we play and compete with Tiger, the better," Harrington said, who did just that at two majors this year, and the final round of the Bridgestone Invitational when Woods rallied to beat him.
"But it's not going to take away from the winner enjoying his win," he said. "I think come Sunday afternoon on the back nine, the focus will be on the tournament. Up until that point, Tiger will be talked about, and he will be missed."
John Daly encouraged Woods to end the speculation.
"The thing that Tiger needs to look at is, whatever happened, just tell the truth," Daly said from the Australian Open.
Woods said on his Web site that injuries — he did not give details — prevented him from playing.
"I am extremely disappointed that I will not be at my tournament this week," Woods said. "I am certain it will be an outstanding event and I'm very sorry that I can't be there."
He didn't play last year while recovering from knee surgery, although he was at the course the entire week and handed the trophy to Vijay Singh, also missing this year after his own knee surgery.
Tournament officials said fans who bought advance tickets with the hope of seeing Woods could get refunds beginning next week. Those who keep their tickets will get a 20 percent discount when they buy them next year.
Woods sustained cuts and bruises from the crash outside his home in an exclusive, gated community near Orlando, Fla. He was treated at a hospital and released. He has not been seen in public since then.
By skipping the tournament, Woods will escape the TV cameras and a horde of media seeking more details about the smashup. The tournament was to be the last of the year for Woods anyway, and he did not say when or where he would make his return next year.

When healthy, he has made his season debut at Torrey Pines every year since 2006. The San Diego Invitational this year is scheduled the week of Jan. 25. That could mean Woods avoids the media for 10 weeks.

Woods released a statement Sunday saying the accident was his fault and asked that it remain "a private matter." But with the Florida Highway Patrol still investigating and the media in full pursuit, he might not get his way.

The reference to "false, unfounded and malicious rumors" in Sunday's statement may have involved a story published last week in the National Enquirer alleging that Woods had been seeing a New York nightclub hostess, and that they recently were together in Melbourne, where Woods competed in the Australian Masters.

The woman, Rachel Uchitel, denied having an affair with Woods when contacted by The Associated Press.

Woods even faced questions from fans who left comments on his Web site. Most voiced support for him, but some said he should address the questions about his own actions and those of his wife, Elin Nordegren, before and after the accident.

Woods hasn't answered questions from Florida troopers, either, turning them down three days in a row when they came to his house, the last time Sunday afternoon, after Woods' attorney told the patrol he would not be speaking.

Four cars were parked in Woods' driveway Monday, but no lights appeared to be on inside. A new fire hydrant had already replaced the one that Woods plowed into. A dirt hole and an orange barricade remained in the old hydrant's place.

Linda Adams, Woods' neighbor, confirmed to the Orlando Sentinel that someone in her home other than her husband, Jerome, called authorities.

The neighbor, who called 911 after Woods ran over the hydrant and hit a tree, said he was unconscious and laying outside his SUV. Woods' wife told Windermere police she used a golf club to smash the back windows to help him out.

The Associated Press called the Adams home Monday and asked to speak to the Adams' son Jarius, who's believed to have made the call. The woman who answered the telephone told a reporter to call back later in the day. When the AP called back Monday evening, attorney Bill Sharpe answered and said he was representing the family. He said there was no comment at this time, but said a statement might be made Tuesday.

Obama orders Afghan strategy into force

WASHINGTON (AFP) –
President Barack Obama has given fateful orders likely to send thousands more troops to Afghanistan in a political gamble meant to forge an eventual US exit from a costly and gruelling war.

"The commander in chief has issued the orders," White House spokesman Robert Gibbs said Monday, as Obama briefed world leaders on his new Afghan strategy, a day before making a major televised address to the American people.

The plan emerged from an exhaustive policy review amid extreme weariness of the war among Americans, and as supporters warned Obama could be risking his presidency by deploying thousands more men to a Vietnam-style quagmire.

Obama is expected to order between 30,000 and 35,000 more troops to bolster the US effort to repel a resurgent Taliban, secure major cities and fast-track training for Afghan security forces, alongside a separate civilian aid surge.

The president will also assure Americans and regional leaders he will not underwrite an indefinite and costly stay in Afghanistan for US troops.

"This is not an open-ended commitment," Gibbs said, painting the plan as an eventual pathway for US troops to come home.

"We are there to partner with the Afghans, to train the Afghan national security forces, the army and the police, so that they can provide security for their country and wage a battle against an unpopular insurgency."

The White House said Obama delivered orders marking the most crucial leadership test of his presidency in the Oval Office so far, on Sunday, after telling top aides of his final decision.

He met generals and top security aides in the Oval Office.

He then spoke directly by secure video-link to Afghan war commander General Stanley McChrystal, who warned earlier this year the conflict would be lost without more troops -- and US ambassador to Kabul Karl Eikenberry.

Obama will address Americans in a major televised speech to cadets at the US Military Academy at West Point at 8:00 pm Tuesday (0100 GMT Wednesday).

He will tell a nation weary of years of conflict and humbled by the worst economic crisis in generations, why it must risk yet more lives and wealth in a war launched after the September 11 attacks in 2001.

His message will be compelling listening for voters, lawmakers and soldiers, US allies, leaders in Pakistan and Afghanistan, and Taliban and Al-Qaeda insurgents battling Washington in a bloody eight-year war.

Many of Obama's core political supporters, and key Democrats worried about ballooning budget deficits, are wary of more troop deployments. Republicans have however demanded the president answer the generals' calls for more help.

As he launched a public relations offensive to market the new strategy, Obama called French President Nicolas Sarkozy and Russian President Dmitry Medvedev on Monday.

Defence Minister Herve Morin said late Monday France could bolster its role in Afghanistan by providing more army and police training as well as reconstruction aid but is unlikely to send more troops.

The French daily Le Monde reported on Monday that Washington had asked France to contribute 1,500 extra troops to Afghanistan.

Morin declined to comment on the specific figure from the report but confirmed "the United States is asking the Europeans for more troops."

Obama also spoke with by secure video link with Gordon Brown after the British prime minister announced he would increase British regular troop numbers by 500 to 9,500 in December.

Obama will also talk to Pakistani President Asif Ali Zardari.

Obama and Afghan leader Hamid Karzai on Tuesday discussed the plan, Karzai's office said.

The two presidents held an hour-long video conference to discuss aspects of the new strategy and "security, political, military and economic issues were discussed in detail", the palace said in a statement.

It gave no further details.

The US leader told Australian Prime Minsiter Kevin Rudd of his plans in person, during Oval Office talks.

Rudd pledged send more police trainers and civilian aid experts to Afghanistan, saying his country was in "for the long haul" but did not pledge more troops beyond 1,550 Australia has already committed.

Consultations with key players in Congress, where some Democrats have expressed skepticism about new troop deployments, were taking place on Monday and Tuesday.

Some 35,000 American soldiers were fighting the Taliban-led insurgency when Obama took office. After an initial boost in February there are now about 68,000.

More than 900 American soldiers have lost their lives in Afghanistan and October was the deadliest month since the start of the war in 2001 with 74 US soldiers killed.

Obama Sunday spoke to Secretary of State Hillary Clinton by telephone, then met Defense Secretary Robert Gates; Admiral Mike Mullen, chairman of the joint chiefs of staff; General James Cartwright, the vice chairman of the joint chiefs; White House chief of staff Rahm Emanuel and General David Petraeus, head of US central command.

Injury-hit England beat South Africa A

POTCHEFSTROOM, South Africa (AFP) –
Jonathan Trott and Matt Prior took the injury-hit touring England team to a morale-boosting four-wicket win in a 50-overs match against South Africa A in Potchefstroom on Tuesday.

South Africa A made 279 for nine after winning the toss, losing wickets at regular intervals after skipper Hashim Amla and Andrew Puttick gave them a good start with an opening stand of 77.

Despite a fluent 65 off 71 balls by captain Andrew Strauss, England were falling behind the required scoring rate when Trott (78) and Prior (54) came together in a fifth wicket stand of 66 off 64 balls.

With 64 needed off the final seven overs, the pair combined to hit 15 off the 44th over, bowled by Morne Morkel at the start of the final power play. Trott hit a four and a six off successive balls before he was bowled going for another big hit.

But Luke Wright also batted aggressively and the match was virtually decided when he and Prior scored 17 off an over from CJ de Villiers, which ended with Prior being bowled with only three runs needed.

Wright hit the first ball of the next over for four to seal victory.

England were without three front-line bowlers because of injury. James Anderson had a knee injury, fellow fast bowler Stuart Broad was still struggling with a shoulder injury and off-spinner Graeme Swann suffered a side strain in a Twenty20 international last Friday.

With Alastair Cook and Paul Collingwood both having sore backs, the tourists were down to 11 fit men for their final warm-up match before the first of five one-day internationals in Johannesburg on Friday.

It was announced during the match that Durham fast bowler Liam Plunkett would join the squad in Johannesburg on Wednesday as cover for the injured bowlers. Plunkett had originally been selected only for the Test part of the tour which follows the one-day games.

But Graham Onions took two for 46 in nine overs in his first appearance of the tour to show that he had recovered from a back injury.

Amla (37) and Puttick (62) put on 77 for the first wicket before Amla struck Wright firmly to midwicket where he was caught by Strauss, who returned to the side after missing two Twenty20 internationals.

Wright, who conceded 11 runs off his first over, came back well to finish with two for 48 in ten overs.

A growing TV cover-up: Obnoxious pop-up promos

NEW YORK – Somewhere in the universe of TV viewers, there's got to be a person who actually likes those pop-up, on-screen promotions.
Someone who thinks, "Thank you, network people, for those useful, informative announcements that block what I'm watching to tell me what I'm watching, or tell me what I could be watching next, which will then be blocked by reminders of what I could be watching after that."
This is a happy viewer all right, and maybe he or she exists in some den or family room absorbing those intrusive promos that, for everybody else, undermine what TV networks are ideally in business to do: entertain, not tick off.
TV exists above all as a medium of escape. But how do you escape into a TV show when it's plastered with scene-stealing hype?
At least one Web site, stoptvpopups.com, serves as a sounding board and support group for an outspoken few.
But almost any viewer can cite annoying instances where a pop-up ad has upstaged a show's dramatic climax or obscured vital on-screen information.
Viewers hate the detective hero of "Monk" rising from the bottom left screen for eight or nine seconds of vamping, followed by a ghostly but distracting text line that looms for several long minutes to accommodate even the slowest readers: "Monk All New Tonight 9/8c."
The USA network's motto is "Characters Welcome." Well, that "Monk" message adds up to 21 characters, none of them welcome.
And what about TBS, where "Freakin' Sweet!" is an on-screen message plugging "Family Guy" episodes available on that network's Web site: "Very Funny" is TBS' motto. Nothing funny about those cover-ups for its comedies.
Viewers don't forget. Viewers still cite the giant fireball, complete with a whooshing inferno sound, erupting on the screen to promote FX's firefighter drama "Rescue Me." It makes them mad to even think about it.
That promo hasn't aired in two years, says FX spokesman John Solberg. Since then, the network has moved toward making "our air look cleaner, more theatrical," generally opting for a single line of promotional text that appears on-screen for about 10 seconds.
So maybe all is not lost to the pop-up-razzi.
But across the networks, the pop-up ad is alive and well and inescapable, undermining THIS show to shill for some OTHER show, which, when that show airs, will likely be defaced with promos for yet ANOTHER. And on it goes.
Even cartoon viewers like Marge Simpson get riled.
In a classic scene from "The Simpsons," Marge realizes the TV screen that frames her is cluttered with visual promos. She takes a hand vacuum and sucks up the "American Idol" logo. When a squad of football players plugging "Football on Fox" swarms across the bottom of the screen, she sprays them with insecticide.
"Can't anyone just watch the show they're watching?" Marge sighs.
The short answer to her question, of course, is no. You shelled out hard-earned money for a big, magnificent flat-screen — and the networks seem to be poaching more and more of it!
An industry term for these ads is "one-thirds." More telling terms include "snipes" and "violators." But they began innocently more than two decades ago, when CNN applied a small identifying logo (or "bug") to the bottom right corner of the screen.

Other networks fell in line by similarly branding their news telecasts.

Then Fox began accenting its prime-time entertainment with a logo flashed before and after each commercial break. Other networks followed suit.

Then, on Sept. 11, 2001, the day's torrent of news spilled onto a supplementary text crawl on the screens of CNN, MSNBC and Fox News Channel. It remains, a permanent fixture at all three networks.

After that, with viewers increasingly conditioned to absorb extra data on the screen, many networks asked themselves: Why not take the next step and blast the audience with promos — TiVo-proof and unavoidable — embellishing entertainment shows?

They did. And how!

The only question for the networks after that has been: Just how big, protracted, animated and noisy can we make those promos before viewers flee to places like Netflix and Hulu, and take that one-third back?

___

On the Net:

http://www.stoptvpopups.com

Potential for criminal behavior evident at age 3

NEW YORK (Reuters Health) –
Children who don't show normal fear responses to loud, unpleasant sounds at the age of 3 may be more likely to commit crimes as adults, according to a new study.

Yu Gao and colleagues in the United States and the United Kingdom compared results from a study of almost 1,800 children born in 1969 and 1970 on the Indian Ocean island of Mauritius to criminal records of group members 20 years later.

At age 3, the children were tested to gauge their level of "fear conditioning," or fear of consequences. The idea is that children who associate unpleasant sounds or other unpleasant experiences with fear will be less likely to commit antisocial acts because they will link such experiences with punishments for those acts.

Researchers tested the 3-year-olds' responses to unpleasant noises using a lie detector. When they looked at any criminal records among the participants 20 years later, 137 of them (131 male, 6 female) had at least one criminal conviction.

Compared to almost 300 participants with no criminal records, those 137 participants had a much lower response to the noises at the age of 3.

The findings could link previous studies suggesting that psychopaths and children with behavioral problems at the age of 11 have similar abnormalities in a part of the brain called the amygdala. That structure is largely responsible for directing fear of consequences.

Because this study controlled for social factors such as parents' education, number of parents in the home, socioeconomic status, and family size, biology is the likely reason for the "blunted emotions" registered in some of the 3 year olds, study co-author, Dr. Adrian Raine of the University of York in England, told Reuters Health in a telephone interview.

Still, the researchers warn against reading too much into their findings. The results do not offer a biological way to identify future criminals.

"Crime is clearly a complex construct involving multiple interactions between genetic, brain, family and social influences," they write.

But, they conclude, the findings provide some support for the idea that the potential for antisocial and criminal behavior may be hard-wired in young brains - which means that if the results hold, "efforts to prevent and treat this worldwide behavior problem will increasingly rely on early health interventions."

SOURCE: American Journal of Psychiatry, published online November 16, 2009.

Obama Urges China to Heed Commitment on Currency Appreciation

Nov. 17 (Bloomberg) -- President Barack Obama called on
Chinese counterpart Hu Jintao to make good on a commitment to
allow the yuan to appreciate to help prevent trade imbalances
that exacerbated the global economic crisis.

“I was pleased to note the Chinese commitment, made in
past statements, to move toward a more market-oriented exchange
rate over time,” Obama said during a joint appearance with Hu
after a meeting in Beijing today. “Doing so based on economic
fundamentals would make an essential contribution to the global
rebalancing effort.”

America’s trade deficit with China widened to a 10-month
high in September, raising concern that the combination of a
recovering U.S. economy and a fixed yuan exchange rate against
the dollar will worsen global imbalances. China’s dollar
purchases to prevent appreciation swelled its foreign-exchange
reserves to $2.3 trillion in the third quarter, more than twice
as much as any other country.

“There is a continued fierce debate in China” on
revaluation, said Michael Pettis, a Peking University finance
professor and former head of emerging markets at Bear Stearns
Cos. “It seems almost impossible that we’re not going to see
more focus on trade and trade tensions.”

Twelve-month non-deliverable yuan forwards weakened 0.2
percent to 6.6215 per dollar as of 3:31 p.m. in Hong Kong and
were little changed after Obama’s comments. The contracts signal
traders are predicting a 3.1 percent advance in a year. In the
spot market, the currency traded at 6.8266, compared with 6.8270
yesterday, according to the China Foreign Exchange Trade System.

Hu Silent on Yuan

Hu, in his remarks, made no mention of the yuan peg to a
weakening dollar, which has forced central banks across Asia to
sell their currencies to limit appreciation and maintain export
competitiveness with China. The Indonesian rupiah gained 11
percent against the yuan in the past six months, and the Korean
won rose 9.4 percent.

Dominique Strauss-Kahn, the managing director of the
International Monetary Fund, said today in Beijing that a
stronger yuan would be in the interests of China and the world.

The yuan has been pegged at about 6.83 to one U.S. dollar
since July 2008. Maintaining the peg has also helped make China
the biggest foreign holder of U.S. government debt, with $797.1
billion in August, up 10 percent from Jan. 1, Treasury data show.

Fighting Protectionism

Hu said China and the U.S. “need to oppose and reject
protectionism in all its manifestations.” He told Asia-Pacific
leaders in Singapore last week that China’s hadn’t foreseen the
number of protectionist measures it would face this year
including U.S. tariffs on Chinese-made steel and tires.

Obama said the two leaders “agreed on maintaining open
markets and free flows of commerce.”

Controlling currency levels is a form of protectionism,
Gempachiro Aihara, the incoming chair of the Asia-Pacific
Economic Cooperation’s Business Advisory Council, said last week.

China and the U.S. agreed to address trade imbalances,
including spurring more domestic demand in China, Obama said.
The deepest U.S. recession in decades triggered a collapse in
world trade as demand for Asian imports slumped. At the height
of the crisis in February, Japan’s exports to the U.S. plunged a
record 58 percent.

Obama’s speeches during his first trip to Asia as president
have focused on the importance of increasing U.S. exports to
achieve greater balance with a region that sells far more goods
to the U.S. than it buys from American companies.

PBOC Signal

China’s central bank last week said foreign-exchange policy
will take into account global capital flows and changes in major
currencies, and scrapped language in a previous report to keep
the yuan “basically stable.” The Chinese economy expanded by
8.9 percent in the third quarter from a year earlier.

Finance ministers gathered for the Asia Pacific Economic
Cooperation forum called for “market-oriented exchange rates
that reflect underlying economic fundamentals” in a statement
last week. China and the U.S. are both APEC members.

China’s partnership has been critical to battling a global
recession, Obama said today. The two leaders discussed the next
steps to sustain a recovery, he said.

For Related News and Information:
Top Stories: TOP
China’s currency: CNY GP
Top foreign exchange stories: TOP FX
Currency analysis: NI ANAFX BN
Currency comments: NI FXVOICE

IPOD Speakers

IPOD Speakers

A subwoofer is a woofer driver used only for the lowest part of the audio spectrum: typically below 100-120 Hz. Because the intended range of frequencies in these is limited, subwoofer system design is usually simpler in many respects than for conventional loudspeakers, often consisting of a single subwoofer driver enclosed in a suitable cabinet or enclosure.

To accurately reproduce very low bass notes without unwanted resonances (i.e., from cabinet panels), subwoofer systems must be solidly constructed and properly braced; good ones are typically heavy. Many subwoofer systems include power amplifiers and electronic filters, with additional controls relevant to low frequency reproduction. These variants are known as "active subwoofers". Passive subwoofers require external amplification.

Report: Goldman Sachs looks to buy tax credits

NEW YORK – Wall Street giant Goldman Sachs Group Inc. is reportedly in talks to buy tax credits from Fannie Mae, a government-controlled mortgage financier.
The Wall Street Journal reported Monday the credits, tied to incentives to boost investments in low-income housing, would allow Goldman to lower its tax bill.
A spokesman for Goldman Sachs declined to comment on the report. Its shares rose $1.46 to $171.63 in premarket trading, while Fannie Mae shares were stead ay $1.08.
Goldman has quickly recovered from the peak of the credit crisis last fall and is again reporting multibillion dollar quarterly profits. The New York-based investment bank earned $3.03 billion during the third quarter.
Goldman has been under the microscope for its resilience as stock and credit markets bounce back faster than the consumer banking sector and the broader economy.
It received $10 billion in government aid last fall and changed its regulatory status to access government funding. It quickly repaid the $10 billion this year as its profits bounced back.
Fannie Mae, which was taken over by the government last fall at the peak of the credit crisis, is still in a dire situation. It continues to need funding from the government and its operations are closely monitored by its regulator, the Federal Housing Finance Agency.
Because Fannie Mae continues to lose money, it has been unable to take advantage of the credits to reduce its tax burden.
Selling the credits would enable Fannie Mae to pocket some much-needed cash and reduce the amount it has to borrow from the Treasury Department, the Journal reported. It could also provide Fannie Mae with fresh resources to finance more mortgages, according to the report.
Fannie Mae and fellow mortgage giant Freddie Mac were taken over by the government last fall and the pair own or back most mortgages in the U.S. As the housing market collapsed and mortgage defaults skyrocketed, the companies faced billions of dollars in losses and were unable to remain afloat without major government support.

Suicide bomber kills 35 near Pakistan's capital

RAWALPINDI, Pakistan – A suicide bomb killed 35 people near Pakistan's military headquarters Monday while a second blast wounded several police, continuing a wave of terrorism that prompted the United Nations to suspend long-term development work near the Afghan border.
The rash of attacks by Islamist militants has killed at least 300 people across Pakistan over the past month — including 11 U.N. workers — and threatened to destabilize the nuclear-armed nation.
The violence has grown bloodier since the government launched an anti-Taliban offensive in mid-October, pushing into the impoverished and underdeveloped tribal region of South Waziristan. The U.N. decision to suspend non-emergency aid could weaken efforts to counter the appeal of extremism by improving ordinary people's daily lives.
The first suicide bomber Monday killed 35 people outside a bank near Pakistan's military headquarters in Rawalpindi, just a few miles (kilometers) from Islamabad.
Most of those waiting in line were from the military and were there to cash paychecks, said Mohammad Mushtaq, a wounded soldier.
"I was sitting on the pavement outside to wait for my turn," said Mushtaq, who suffered a head injury. "The bomb went off with a big bang. We all ran. I saw blood and body parts everywhere."
Four soldiers were killed in the attack and nine were wounded, said the army's chief spokesman, Maj. Gen. Athar Abbas. In total, 35 people were killed, Information Minister Qamar Zaman Kaira said.
No group claimed responsibility for the bombing, though suspicion immediately fell on the Pakistani Taliban.
Hours later, another suicide bombing ripped through a police checkpoint on the outskirts of the eastern city of Lahore. At least seven policemen were wounded and two were in critical condition after a car with two men inside blew up as police went to search it.
"By putting their lives in danger, our men have saved the city from enormous sabotage," Lahore Police Chief Pervaiz Rathor told reporters at the scene.
Police checkpoints, where cars are forced to drive slowly past officers looking inside, have become common sights in Pakistan.
Pakistan's president and other top officials condemned the blasts but vowed to press on with the South Waziristan offensive. Taliban militants have de facto control in many of the semiautonomous tribal areas.
The U.S. has reportedly provided technical support to the South Waziristan offensive, seeing the rugged mountain area as a haven for Islamist extremists involved in attacks on Western troops in Afghanistan.
The government has sealed off the battle zone to outsiders, making confirmation of military reports impossible to confirm, but officials insist the offensive is going well.
On Monday, Abbas said the army had captured the Taliban town of Kaniguram and killed 12 militants in the past 24 hours.
Washington, which has long provided massive military assistance to Pakistan, has stepped up its efforts to use development aid in a broader battle against the spreading militancy. The U.S. government recently approved $7.5 billion in aid over five years to improve Pakistan's economy, education and other nonmilitary sectors.
But the U.N. decision to suspend long-term development work in Pakistan's tribal areas and its North West Frontier Province could complicate international efforts to win hearts and minds.
The world body will reduce the level of international staff in Pakistan and confine its work to emergency, humanitarian relief, and security operations, and "any other essential operations as advised by the secretary-general," the organization said in a statement.

The U.N. made its decision after losing 11 personnel in attacks in Pakistan this year, including last month's bombing of the World Food Program's office in Islamabad that killed five people, said U.N. spokeswoman Amena Kamaal. "All of the decisions are being made in light of that."

The U.N. has been deeply involved in helping Pakistan deal with refugee crises resulting from army offensives against militants — work that will apparently continue — but Kamaal said the organization was still determining which programs would be suspended and how many staffers would be withdrawn. Staff that remain in the country will be assigned additional security.

Foreign Ministry spokesman Abdul Basit said Pakistan understood the U.N.'s decision, but said he hoped the organization would resume its work after the military completes the South Waziristan offensive.

___

Associated Press writers Zarar Khan and Nahal Toosi in Islamabad and Babar Dogar in Lahore contributed to this report.

Christening Gift

In Orthodox theology the baptismal robe symbolizes the "Garments of Light" (i.e., the fullness of Divine grace) with which Adam and Eve were clothed in the Garden of Eden before the Fall of Man. Baptism is believed to cleanse the believer of all the sinful defilements both of original sin and personal sins and the white garment is symbolic of this. During the ektenia (litany) before baptism, the deacon prays "That he (she) may preserve this (her) baptismal garment and the earnest of the Spirit pure and undefiled unto the dead Day of Christ our God...", referring not so much to the material garment as to the spiritual cleansing it represents.

A wide variety of practices are found in the spectrum of Protestantism. Some main-stream Protestant churches practice infant baptism, and thus make use of the christening gown; while others encourage or practice exclusive adult baptism. In some of the latter churches, special white clothing may be worn by both the person being baptized and the person performing the baptism.

Visit

Congress moves to expand financial oversight

WASHINGTON – A federal agency to regulate home loans, credit cards, savings accounts and other financial services won the approval of a House committee on Thursday in spite of loud complaints from banks and businesses.
President Barack Obama, who had proposed the agency to Congress, applauded the 39-29 vote, which fell mostly along party lines.
This step "sends an important signal to the American people that we will not stand by and allow big financial firms and their lobbyists to mobilize against change," Obama said in a statement.
The House Financial Services Committee also approved by voice vote legislation that would impose new rules for credit cards by Dec. 1, moving up the date from mid-February. Democrats said changing the date was necessary because lenders were using the grace period to hike interest rates.
The proposed Consumer Financial Protection Agency is a cornerstone to Obama's broader plan to clamp down on Wall Street and prevent much of the reckless lending that contributed to last year's near-collapse of the market.
But the agency also has been the administration's toughest sell to lawmakers worried that the added regulation would strain neighborhood banks and small businesses.
Two Democrats — Travis Childers of Mississippi and Walt Minnick of Idaho — said they voted against the measure because they were afraid the bill would hurt businesses in their districts.
Rep. Mike Castle of Deleware was the sole Republican voting for it.
As business lobbyists pressed lawmakers to scale back the legislation and won several concessions, Treasury Secretary Timothy Geithner and other senior administration officials personally appealed to lawmakers not to weaken the bill.
In the end, the bill exempted general retailers, auto dealers, title insurers, accountants, lawyers and others. Lawmakers said businesses would only face scrutiny if they offer financial services, such as a car loan, but that the agency would not monitor every financial transaction, including store layaway plans.
Also under the bill, all but the biggest banks were spared from routine agency inspections and no businesses were required to offer standard, government-approved financial services, as Obama had wanted.
In addition, banks would be allowed to seek exemptions from state laws on consumer protection. Obama had wanted to give states blanket authority to regulate large national banks without exception.
Democrats and consumer advocates said they were content to see the legislation survive much of the backdoor political wrangling after such an aggressive backlash by businesses. The U.S. Chamber of Commerce led industry opposition with a $2 million advertising campaign this summer.
"Everyone told me that the banks always win. Quit now because they always win," said Elizabeth Warren, who heads an independent panel that monitors the government's bank bailout program and initially proposed the concept of a consumer protection agency. "They didn't win today."
The American Bankers Association said it would continue to try to make its case against the agency as the legislation moves to the House floor in coming weeks and, eventually, to the Senate.
"We still have major concerns with some principal areas" including "the very broad, ill-defined authority that is granted to this new agency that could be used to justify essentially any regulatory action," said Floyd Stoner, ABA vice president for congressional relations.
Obama chastised the financial industry in his statement. "They are doing what they always do — descending on Congress, using every bit of influence they have to maintain the status quo that has maximized their profits at the expense of American consumers, despite the fact that recently those same American consumers bailed them out as a consequence of the bad decisions that they made," he said.
Administration officials said they expect a tougher fight in the Senate, where procedural rules will give Republicans more of a chance to influence the bill.

Senate Banking Committee Chairman Chris Dodd was expected to introduce his own version of the legislation. In a statement, the Connecticut Democrat said the House bill is a good one that "appreciates that the most important piece of financial reform is ensuring that Americans are treated fairly and honestly."

Preview of MJ movie shows him in fine voice

NEW YORK – Kenny Ortega was responsible for some of Michael Jackson's biggest concerts, including what were to be his comeback shows in London. But in the singer's final days, the producer-director-choregrapher felt like he needed to take on another responsibility — making sure Jackson stayed healthy.
"Michael had sleepless nights and we had to look after him. (I'd say to him), 'Stay hydrated, have a protein shake — Did you eat today before you came?'" Ortega said in an interview Thursday to promote the new Jackson documentary, "This Is It."
When Jackson would say he had, a skeptical Ortega would say — "Michael?"
"Michael's an adult. ... We didn't want to baby him," he said. "(But) I had concerns and we had conversations, wanting to make sure he was doing everything he could to build himself and not break himself down."
Jackson died June 25 at age 50. The Los Angeles County coroner has ruled Jackson's death a homicide, caused primarily by the powerful anesthetic propofol and another sedative. Jackson's personal physician, Dr. Conrad Murray, has not been charged with a crime but is the focus of the police investigation.
Ortega's work with Jackson included world tours for Jackson's "Dangerous" and "HIStory" albums. He was directing the "This Is It" shows — which would have marked the performer's comeback concerts in London's O2 Arena in July — and was brought on to direct a film adaptation of those taped rehearsals after Jackson's death.
"This Is It" will premiere globally on Tuesday and run for two weeks. The soundtrack for the film, which includes the newly released title track as well as some of his best-known hits, is being released Monday.
In a 12-minute clip previewed for media on Thursday, a strong-voiced King of Pop is shown enthusiastically practicing some of his biggest hits.
Jackson, though frail-looking, is shown warming up his vocals during a performance of "Human Nature." That's followed by the singer running through the song in various outfits.
Later, he playfully dances with a woman as he sings "The Way You Make Me Feel," touching her thigh and holding her waist.
"One more time," Jackson says toward the end of the song after being told the last eight bars were to be cut.
Ortega says although he worried about Jackson's health, he doesn't believe the preparation for the shows wore the singer down. In fact, he says it was the opposite.
"I can tell you this experience, working on this show, was invigorating, was nourishing. ... (it) wasn't taking away from Michael," he said.
Travis Payne, a choreographer who worked on "This Is It" and other Jackson tours, says he remembers spending one-on-one time with Jackson — especially visiting Web sites like YouTube.
"I used to love sitting and just surfing the 'net with him," Payne said. "And we would just do that and we would be able to have our creative reference time in a different way now."
Musical director Michael Bearden recalls Jackson's lofty goal to try to capture all of his music in one, over-the-top show.
"He had so, so much music that we tried to get everything in but not cheat the audience at the same time, which is a delicate balance if you will to try to get everything in and still feel like you're getting a full song," he said.
Ortega says Jackson was very adamant about the look of the tour — from the length of the songs to the stage's lighting.

"From the very beginning Michael was very vocal, and very upfront about what he wanted to do and why he wanted to do it," Ortega said.

"That's what 'This Is It,' Michael Jackson's 'This Is It' the film, is about — it's a privileged peak into the final creative process of Michael's last theatrical work."

___

On the Net:

http://www.thisisit-movie.com/

Colorado sheriff sees no hoax in balloon incident

DENVER (Reuters) –
A Colorado sheriff largely dismissed suggestions on Friday that a family of amateur scientists staged a hoax by reporting their 6-year-old son had floated away in a home-made helium balloon.

The bizarre incident on Thursday gripped U.S. television viewers as the silver balloon raced across the Colorado sky, tracked by U.S. National Guard helicopters for hours before the boy, Falcon Heene, was found alive and well in his attic.

Questions about the saga were raised after Falcon was asked on CNN's "Larry King Live" why he had stayed in hiding so long when family members and other searchers were desperately calling his name.

"You guys (his parents) said that, um, we did this for the show," he said.

The boy's father strongly denied in television interviews on Friday that the incident was a stunt.

"We believe at this time that it was a real event," Larimer County Sheriff Jim Alderden told a news conference on Friday.

"We have to operate on what we can prove as a fact and not what people want to be done or what people speculate should be done," Alderden said.

He acknowledged the boy's comment "has raised everybody's level of scepticism again and we feel its incumbent on us to go back to the family and re-interview them and establish whether in fact this was a hoax," Alderden said.

Authorities had considered desperate measures to bring the craft down safely and, after discovering the boy was not inside, had begun scouring the countryside amid fears he had fallen out.

Richard Heene and his wife, Mayumi, and three sons have appeared on the ABC television reality show "Wife Swap" in which families swap mothers to deal with family problems. Richard Heene said the balloon was part of an experiment by the family, which is known locally for its storm-chasing and scientific experiments.

NEW VIDEO SURFACES

A new videotape surfaced of the balloon leaving the family's yard, which showed Richard and Mayumi Heene and at least one of their sons loudly counting down to the moment of lift-off.

Richard Heene then appears to fly into a rage, kicking a wood framing that had once held the craft.

That video seemed to be at odds with earlier accounts, in which Heene said he was inside the house when the device somehow broke loose from its tethers and floated away.

Alderden told reporters he had not yet seen that videotape but said Heene would be questioned about it as part of the investigation.

The sheriff said that if the balloon incident were found to be a hoax, it could lead to misdemeanour charges of filing a false police report and that law enforcement could seek restitution for the cost of the search-and-rescue operation.

Alderden said the re-interviews had been scheduled for Saturday because the family was exhausted and overwrought after appearing on a series of morning shows.

"Absolutely not, this is not some sort of hoax," a visibly irritated Richard Heene said on NBC's "Today" show in an interview during which Falcon vomited while his father talked.

"What have I got to gain?" asked Heene.

Mayumi Heene said on CNN: "What we went through the whole day is real. ... I really thought we might have lost him."

(Additional reporting by Robert Boczkiewicz in Denver; Writing by Dan Whitcomb; Editing by Mary Milliken and Peter Cooney)

WHEN HISTORY CALLS (Richard Reeves)

LOS ANGELES -- Sen. Olympia Snowe said last week that in the end, which is near, she may or may not vote for health care reform. But she will, judging by her last comment as the Senate Finance Committee voted out a bill: "When history calls, history calls."

That certainly is one of the wisest quotes to come out of this Congress this year, particularly from the Republican side. The not-so-loyal opposition has been answering all questions with a single answer, "No."

The Republican theory seems to be that their job is to destroy the president of the United States -- and to do it before next year's midterm elections. History might judge that as harshly as some Republican elder statesmen have. Former Sen. Robert Dole, once chairman of the Republican National Committee, a partisan who voted against Medicare in 1965, but not a fool, put it this way the other day: "Republicans all stand up and say they're for health care reforms, so why don't they do something about it? ... I don't believe they could absorb just across-the-board being against everything."

Dole may be out of touch with the party he loves, but he is more in touch with the feel of history. It has taken almost a century, but the people of the United States seem to realize that something has to be done about a dysfunctional system. I assume that is what Snowe and Dole were talking about: If it's broken, there does come a day when you do have to try to fix it.

Howard Dean, the current chairman of the Democratic Party, offered his own interpretation of history last month saying:

"All the really great programs in American history -- Social Security was done without Republicans; Medicare was done without Republican support until the last vote, where they realized they had to get on board. So a lot of the things that have been done that have helped seniors in particular have been done without Republican support at all."

That is an exaggeration. During the great Social Security debate of 1935 and the Medicare debate of 1965, a majority of Republicans argued against the legislation -- even though national health care was first proposed by a party hero, Theodore Roosevelt -- but there were many Republicans for those bills from the beginning. Not a majority of Republicans, but many. Perhaps they felt the breath of history.

But Dean's hyperbole points to a revealing bit of history. There were many moderates and even some liberals representing the Republican Party in those days. Today there are almost none, except perhaps in Maine, the home state of Sen. Snowe. Republicans representing hyperconservative states and districts, mostly in the South and Southwest, are probably not going to be punished for doing what a young conservative, William F. Buckley, advocated in 1955: "Stand athwart history, yelling Stop ..."

That was part of the mission statement of Buckley's new magazine, National Review. Well, Buckley could not stop history, but he did affect it in many ways. That is, I think, where we are going now. Once having declared, as Dole noted, that health care reform is now necessary, it is hard to see all Republicans yelling, "Stop."

What they are yelling now is "socialism." But history has seen that before. In 1965, when a majority of Republicans did vote against Medicare, Sen. Carl Curtis of Nebraska said: "This is not public welfare. It is not charity. It is not kindness. It is socialism. ... It is brazen socialism."

Within weeks, it was also law, and few elderly Americans would argue that it is bad law. Primarily because of Medicare, the number of Americans over 65 living below the poverty level has dropped from 28.5 percent to 9.7 percent.

Socialism or not, history is pushing health care reform into law. It will not be 100 percent of what President Obama wanted. It will be a compromise bill with some Republican input -- and it will be added to and expanded over the years. For now, on passage, Obama will say something historic, similar to what Franklin Roosevelt said in 1935:

"We can never insure 100 percent of the population against 100 percent of the hazards and vicissitudes of life. But we have tried to frame a law which will give some measure of protection to the average citizen and to his family against the loss of a job and against poverty-ridden old age."

U.S. charges billionaire Rajaratnam with record insider trading

NEW YORK (Reuters) –
Billionaire hedge fund founder Raj Rajaratnam and five executives from some of the most prestigious U.S. companies were charged on Friday with the largest hedge fund insider-trading scheme ever.

Investigators said they used court-approved telephone wire taps for the first time in a Wall Street insider trading case, sending shivers through the hedge fund industry which has traditionally picked up and shared trading tips to make big profits.

At the center of the case are executives from hedge funds Galleon and New Castle, which was a unit of Bear Stearns Asset Management, and executives from major American companies such as IBM, top consulting firm McKinsey & Co and chip giant Intel Corp.

"This is not a garden-variety insider trading case," Preet Bharara, the U.S. Attorney for Manhattan, said at a news conference. He said the scheme made more than $20 million in illegal profits over several years.

One of the criminal complaints accuses Rajaratnam, 52, considered the richest Sri Lankan in the world, of conspiring with Intel employee Rajiv Goel and Anil Kumar, a director of powerful management consulting firm McKinsey & Co. The alleged offenses took place over three years starting in January 2006.

Galleon had as much as $7 billion under management, the complaint said. Intel Capital is the investment arm of Intel.

A second criminal complaint accused three other people -- Danielle Chiesi, Mark Kurland and Robert Moffat -- of insider trading crimes and earning millions of dollars in illegal profits.

"It shows that we are targeting white-collar insider trading rings with the same powerful investigative techniques that have worked so successfully against the mob and drug cartels," Bharara said.

All six were charged with securities fraud and conspiracy in two criminal complaints filed in U.S. District Court in New York.

They are under arrest and they were also charged in a separate civil complaint by the U.S. Securities and Exchange Commission (SEC). The SEC said the accused traded on insider information from 10 companies.

SCHEME TARGETED TOP COMPANY STOCKS

The companies included Hilton Hotels Corp, Google Inc, IBM, Advanced Micro Devices Inc and several other companies.

The prosecutor also fired a warning shot for the rest of Wall Street.

"Today, tomorrow, next week, the week after, privileged Wall Street insiders who are considering breaking the law will have to ask themselves one important question: Is law enforcement listening?" he said.

Securities fraud charges carry possible maximum prison sentences of up to 20 years.

Whitney Tilson, founder and managing partner of T2 Partners LLC and the Tilson Mutual Funds said: "I'm not surprised that among 8,000 hedge funds there will always be a few rogues behaving badly. It's quite stunning somebody who is already a billionaire could be so foolish."

She said that for the "few dishonest hedge funds, it hopefully it will serve as a big wake up call."

"Galleon was shocked to learn today that Raj Rajaratnam was arrested this morning at his apartment," Galleon Group LP said in a statement. "We had no knowledge of the investigation before it was made public and we intend to cooperate fully with the relevant authorities. Galleon continues to operate and is highly liquid."

Rajaratnam, born into a family of well-to-do Tamils in the Sri Lankan capital of Colombo, is one of the largest investors on the Colombo Stock Exchange.

Last month, he pledged $1 million to help pay for the rehabilitation of former soldiers of the separatist "Tamil Tigers," which fought 25 years to create a separate state for Sri Lanka's minority Tamils but were defeated in May.

But on Friday, he was handcuffed and walked in front of TV cameras as federal agents arrested him.

An Intel spokesman said Goel, 51, an employee of its treasury department, was placed on administrative leave on Friday morning. He said Intel was not aware of the case until Friday and has not been contacted by authorities.

Kumar, also 51, was on a leave of absence, a McKinsey spokeswoman said. She said the firm "was looking into the matter urgently."

Chiesi, 43, worked for New Castle, an equity hedge fund group of Bear Stearns Asset Management before Bear Stearns crumbled in March 2008, according to the complaint. Kurland, 60, was a senior managing director of BSAM, the same unit that ran two funds that suffered fatal mortgage market losses in 2007.

Moffat, 53, was group executive of IBM's systems and technology group and a 31-year veteran of the company. Moffat was accused of passing insider information about an IBM deal with Advanced Micro Devices Inc. An IBM spokesman declined to comment.

The Galleon case also dealt another black eye for credit rating firm Moody's Corp Moody's Investors Service, one of the major rating agencies that have been strongly criticized for their role in the global credit crisis.

An analyst at Moody's who was involved with evaluating Hilton passed on insider information that Hilton would be acquired by Blackstone Group and that Hilton would likely announce the acquisition before July 4, 2007, according to one complaint. A Moody's spokesman said the firm would provide investigators with assistance in its investigation of the matter.

(Reporting by Grant McCool and Joseph Giannone; Additional reporting by Edith Honan, Walden Siew and Ritsuko Ando in New York, Clare Baldwin in San Francisco, and Bryson Hull in Colombo, Sri Lanka; Editing by Phil Berlowitz, John Wallace and Bernard Orr)

Florida Homeowners Insurance

Gambling or gaming is designed at the start so that the odds are not affected by the players' conduct or behavior and not required to conduct risk mitigation practices. But players can prepare and increase their odds of winning in certain games such as poker or blackjack. In contrast to gambling or gaming, to obtain certain types of insurance, such as fire insurance, policyholders can be required to conduct risk mitigation practices, such as installing sprinklers and using fireproof building materials to reduce the odds of loss to fire. In addition, after a proven loss, insurers specialize in providing rehabilitation to minimize the total loss.

What is often missing from the debate is that prohibiting the use of legitimate, actuarially sound factors means that an insufficient amount is being charged for a given risk, and there is thus a deficit in the system. The failure to address the deficit may mean insolvency and hardship for all of a company's insureds. The options for addressing the deficit seem to be the following: Charge the deficit to the other policyholders or charge it to the government (i.e., externalize outside of the company to society at large).

Florida Homeowners Insurance

London stocks firm at open

LONDON (AFP) –
London shares started the session on a firm note Friday led by banks and commodities.

The FTSE 100 index of top shares gained 0.63 percent to reach 5,255.87 points.

Bomb kills 11 in Pakistani city of Peshawar: police

PESHAWAR, Pakistan (AFP) –
A suspected suicide car bomb ripped through a police building in an army garrison of Pakistan's northwest city of Peshawar on Friday, killing up to 11 people, police said.

It was the second bomb attack in Peshawar in 24 hours, striking a day after 40 people died in a wave of militant attacks against security targets in Pakistan's eastern city Lahore and the country's volatile northwest.

"I have counted 11 dead bodies and 13 wounded in the emergency unit of the hospital," police official Mohammad Gul told AFP by telephone from the main government-run hospital in Peshawar.

Ambulances screeched through the streets, sirens blaring as rescue teams rushed to the scene of the attack, where TV footage showed smouldering wreckage and a damaged brick wall.

Police at the scene earlier put the death toll at seven with detainees in custody at the police building among the wounded.

"There are seven killed and 15 wounded in a car bomb blast. There are some prisoners among the injured," said senior police official Mohammad Karim Khan.

North West Frontier Province police chief Malik Navid told Pakistan's state PTV it was an apparent suicide attack, with the bomber driving a car.

The bomb ripped through the police-run Central Investigation Agency (CIA) building in Peshawar -- the largest city in northwest Pakistan which lies on the fringes of the lawless tribal belt on the Afghan border.

Navid slammed the attack as a reaction to military operations against Taliban and Al-Qaeda-linked militants in the semi-autonomous tribal belt and parts of the northwest where radicals have carved out sanctuaries.

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Pacifiers have been shown to interfere with breastfeeding, especially if introduced within the first 6 weeks of life.

The term "infant" derives from the Latin word in-fans, meaning "unable to speak." There is no exact definition for infancy. "Infant" is also a legal term with the meaning of minor; that is, any child under the age of legal adulthood.

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Fed eyes facility to drain reserves: report

(Reuters) –
The U.S. Federal Reserve is contemplating accessing money market funds through clearing banks or the creation of a facility to drain cash added to the financial system, Bloomberg said, citing people familiar with the plans.

With the Fed looking to remove some of the more than $1 trillion that was pumped into the U.S. economy, the methods under consideration could help conserve the capital of the 18 primary dealers that act as counterparties for open market transactions, the people told the news agency.

Talks on how to access a broader array of counterparties other than primary dealers are still developing, one of the people told the news agency.

The Federal Reserve did not immediately reply to a Reuters email seeking comment that was sent outside of regular U.S. business hours.

(Reporting by Ajay Kamalakaran in Bangalore; Editing by Kim Coghill)

Elizabeth Taylor: Heart procedure went 'perfectly'

LOS ANGELES – Elizabeth Taylor is feeling fine after a heart procedure.
The 77-year-old actress says in a post on Twitter Thursday that the treatment "went off perfectly" and she feels like she has a "brand new ticker."
Earlier in the week, Taylor tweeted that she would be going into the hospital for the procedure and asked her 164,239 followers for their prayers.
"I know they all helped," she tweeted.
___
On the Net:
http://twitter.com/DameElizabeth

Police stop more than 1 million people on street

NEW YORK – A teenager trying to get into his apartment after school is confronted by police. A man leaving his workplace chooses a different route back home to avoid officers who roam a particular street. These and hundreds of thousands of other Americans in big cities have been stopped on the street by police using a law-enforcement practice called stop-and-frisk that alarms civil libertarians but is credited by authorities with helping reduce crime.
Police in major U.S. cities stop and question more than a million people each year — a sharply higher number than just a few years ago. Most are black and Hispanic men. Many are frisked, and nearly all are innocent of any crime, according to figures gathered by The Associated Press.
And the numbers are rising at the same time crime rates are dropping.
Ronnie Carr's experience was typical: He was fumbling with his apartment door after school in Brooklyn when plainclothes officers flashed their badges.
"What are you doing here?" one asked, as they rifled through his backpack and then his pockets. The black teenager stood there, quiet and nervous, and waited.
Carr said the officers told him they stopped him because he looked suspicious peeking in the windows. He explained that he had lost his keys. Twenty minutes later, the officers left. Carr was not arrested or cited with any offense.
"I felt bad, like I did something wrong," he said.
Civil liberties groups say the practice is racist and fails to deter crime. Police departments maintain it is a necessary tool that turns up illegal weapons and drugs and prevents more serious crime.
Police records indicate that officers are drawn to suspicious behavior: furtive movements, actions that indicate someone may be serving as a lookout, anything that suggests a drug deal, or a person carrying burglary tools such as a slim jim or pry bar.
The New York Police Department is among the most vocal defenders of the practice. Commissioner Raymond Kelly said recently that officers may stop as many as 600,000 people this year. About 10 percent are arrested.
"This is a proven law enforcement tactic to fight and deter crime, one that is authorized by criminal procedure law," he said.
The practice is perfectly legal. A 1968 Supreme Court decision established the benchmark of "reasonable suspicion" — a standard that is lower than the "probable cause" needed to justify an arrest.
But in the mid-1990s, then-Mayor Rudy Giuliani and NYPD Commissioner William Bratton made stop-and-frisk an integral part of the city's law enforcement, relying on the "broken windows" theory that targeting low-level offenses helps prevent bigger ones.
Street stops started to go up, and overall crime dropped dramatically in a once-dangerous city.
Last year, New York police stopped 531,159 people, more than five times the number in 2002. Fifty-one percent of those stopped were black, 32 percent Hispanic and 11 percent white.
Not all stops are the same. Some people are just stopped and questioned. Others have their bag or backpack searched. And sometimes police conduct a full pat-down.
David Harris, a law professor at the University of Pittsburgh and an expert on street stops, said few searches yield weapons or drugs. And the more people are searched, the more innocent people are hassled.
"The hit rate goes down because you're being less selective about how you're doing this. That has a cost. It's not free," Harris said.

When officers make a stop, they are required to fill out a form, including the time and location of the stop and why police were suspicious. Age, race and whether the person was frisked are also recorded.

In Philadelphia, stops nearly doubled to more than 200,000 from 2007 to 2008. Philadelphia Mayor Michael Nutter deployed an "aggressive" stop-and-frisk policy in the year since his election in November 2007 and overall crime has dropped.

In Los Angeles, where Bratton recently stepped down as police commissioner, pedestrian stops have doubled in the past six years to 244,038 in 2008. The number of people stopped in cars is higher.

About 15 percent of the stops resulted in arrests in 2002, compared with about 30 percent in 2008, according to an analysis of the data by Harvard University's Kennedy School of Government.

Several other major police departments do not keep street-stop statistics or do not release them. Chicago police refused to release numbers to the AP. Boston police say they do not keep the records. The New Orleans department is not required to keep statistics on race and pedestrian stops.

RAND, an independent research agency hired by the New York Police Department to analyze street-stop data in 2007 after public outcry, found little racial profiling. It said the raw statistics "distorted the magnitude and, at times, the existence of racially biased policing."

The NYPD continues to monitor the issue, but after the RAND analysis, officials agreed that large-scale restructuring was unnecessary.

Kelly has warned against more simplistic data reviews.

"There are 8.4 million people in New York City. That number swells to more than 10 million every work day. Police are responsible for more than 800,000 summonses and arrests annually based on the higher standard of probable cause," Kelly said.

"Under the circumstances, it's not surprising that we make 500,000 or even 600,000 stops based on the less stringent standard of reasonable suspicion."

Civil liberties groups also complain because New York police keep a database of everyone stopped — innocent or not. That makes them targets for future investigations, said Christopher Dunn, associate legal director of the New York Civil Liberties Union.

Los Angeles was forced by federal mandate to release data on street stops — including the race of those stopped — starting in 2000 after a series of scandals. The city government promised to adopt scores of reform measures under federal court supervision.

The LAPD was released from the federal decree in July, but a report last year by the ACLU in Southern California showed that blacks were still nearly three times more likely to be stopped by police than whites.

"The initial defense was: 'Because we're over-policing higher crime neighborhoods, they're predominantly populated by people of color, and that's why,'" said Peter Bibring, an ACLU attorney in Los Angeles.

But an analysis done for the ACLU in 2008 by Yale law professor Ian Ayres accounts for differences in crime rates and still shows minorities are stopped much more.

Some people who are stopped file lawsuits against the city and speak out publicly. Most just accept it.

In Harlem, George Lucas changed his route home from work to avoid a stretch of Seventh Avenue, because he kept being stopped by the police.

"The inconvenience of walking out of my way still saves me the worry and frustration about being stopped," said Lucas, 28, director of a nonprofit.

It's so common in some areas that community groups have begun offering classes on how to behave when stopped.

Courtney Bennett of the nonprofit New York City Mission Society says he regularly hosts groups of 30 men, of all ages, who feel powerless because they are stopped routinely for what they say is no reason. Carr recently attended a similar meeting for teens at another nonprofit called The Door.

Bennett is also a member of the Order of the Feather, a black fraternity that mentors young men and promotes community service. At a recent initiation ceremony in Harlem, it did not take long to find dozens of people who said they were stopped by police.

"You see these guys? They're normal guys, you know? Regular dudes," said Paul Hawkins, 22. "They've all been affected by it somehow. They were stopped, or someone they knew, or their dad or whatever. And they're not, you know, criminals."

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