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Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.
Ratinoff as a director of fund investment management. Ratinoff will specialize in real estate acquisitions for the western United States. Ratinoff has held senior positions focusing on real estate investments with McDonald Investments, Chase Securities and BT Alex. The San Diego chapter of the Institute of Real Estate Management has elected the following individuals as members of its 2005 Executive Council: Nancy Eagle, Harman Asset Management; Pele Wylde, Burnham Real Estate Services; Eddie Goldberg, Sea Property Management; Renee Savage, Capital Growth Properties; Harry Gersten, Union Bank; Carolyn Perriga, Transwestern Commercial; Jim Tostado, Hibiscus Investments; Wade Walker, Griswold RE Management; Sharon Eastman, Realty Executives; and Elizabeth Bzchmann, ConAm Management. The 2005 council members will be installed Nov. 11.

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*Helga Smith is Manager, Analytical Support Department, Citicorp, New York, NY. My guest columnist this month is Helga Smith, who was a speaker at the Skills Seminar held at our annual meeting last September. Her speech on business graphics was very well received, and I have received many requests for copies. Because its a subject near and dear to our hearts, I thought that all of my readers would be interested in seeing it. I will add some of my own comments in next quarters column.
The Graphic Design Business Book By Tad Crawford Allworth Press, 2005 $24.95, 247 pages With strategies for creating a business plan, managing a studio, presenting portfolios, and web marketing, not to mention sample contract forms and listings of professional organizations, this volume should be a good place for aspiring professionals to start. Tad Crawford is an attorney, as well as the president and publisher for Allworth Press, and has written many other business books for creatives, including A Legal Guide for the Visual Artist and Business and Legal Forms for Graphic Design. Establishing competitive prices for design work, negotiating contracts, and getting clients to pay are covered, and Crawford also includes much information on copyright and trademarks, taxes, and insurance.
The Graphic Designers Guide to Better Business Writing 10 East 23rd Street, Suite 510, New York NY 10010

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REDWOOD CITY, Calif. — Yodlee, Inc. today launched Yodlee MoneyCenter — an integrated suite of applications designed to make managing finances online a true breeze for mainstream consumers who want a personalized, safe and convenient way to be more in control of their finances. Its the next generation of online banking that consumers can expect from their trusted financial institutions. For consumers, Yodlee MoneyCenter provides the ultimate personal appeal — a simple, centralized and secure way to effortlessly manage their money, pay bills, open new accounts, transfer funds, track their net worth, interact with advisors, protect against fraud, and much more — any time, anywhere. For the financial institutions that offer it, Yodlee MoneyCenter helps them become essential to their customers while opening up new revenue opportunities from more effective upsell and cross-sell, and increased transaction and interchange fees. Yodlee MoneyCenter is built on the patented Yodlee Platform, a technology that securely delivers real-time, consolidated balance and transaction details for millions of consumers from thousands of online accounts. Unlike software-based PFM applications that require substantial data input, Yodlee MoneyCenter automatically collects and analyzes financial data from bank accounts, brokerages, 401(k) accounts, bills, mortgages, loans, and more. With integrated PFM, bill pay, and online banking functionality, Yodlee MoneyCenter gives consumers a better way to understand and manage their personal finances, including spending behavior, portfolio performance, new bank and credit card transactions (including payments made that have not yet hit the account), current and projected account balance, budget goals, and checkbook reconciliation, as well as personalized, proactive alerts to guard against online fraud and overdraft or late charges — all in one simple web interface.
The so-called hard money lenders-mortgage lenders who for a price will finance real estate properties that dont meet the specifications of prime lenders have gone mainstream in a way that was virtually unthinkable only a year ago, say executives at Pergolis Swartz Associates. Hard money lenders played a key role last fall when borrowers lost their commitments from Wall Street and needed quick money to rescue their deals. In numerous cases, these hard money lenders stepped into the breach and saved the day. Hard money lenders also have been instrumental in bringing a class of properties to market that prime lenders avoid. Thanks to their financing, millions of square feet of renovated problem properties have been put back into productive use and economic viability. The hard money lenders have become almost institutional at this point, said Jerry Swartz, a principal of Pergolis Swartz Associates. There are so many viable deals our there today that just dont meet the criteria of the prime lenders or the Wall Street conduits, that the hard money lenders have become an extremely important part of the mortgage financing scene.
One of the foremost financial writers of his generation, Peter Bernstein has the unique ability to synthesize intellectual history and economics with the theory and practice of investment management. Now, with classic titles such as Economist on Wall Street, A Primer on Money, Banking, and Gold, and The Price of Prosperity - which have forewords by financial luminaries and new introductions by the author - you can enjoy some of the best of Bernstein in his earlier Wall Street days. With the proliferation of financial instruments, new areas of instability, and innovative capital market strategies, many economists and investors have lost sight of the fundamentals of the financial system–its strengths as well as its weaknesses. A Primer on Money, Banking, and Gold takes you back to the beginning and sorts out all the pieces. Peter Bernstein skillfully addresses how and why commercial banks lend and invest, where money comes from, how it moves from hand to hand, and the critical role of interest rates. He explores the Federal Reserve System and the consequences of the Feds actions on the overall economy. But this book is not just about the past. Bernsteins novel perspective on gold and the dollar is critical for todays decision makers, as he provides extensive views on the future of money, banking, and gold in the world economy.

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Health Alliance Medical Plans last month announced its coverage of two over-the-counter drugs formerly available by prescription only: Wyeths Alavert and Procter Gambles Prilosec OTC. Health Alliance will require members who have prescription drug benefits to obtain a written prescription from their physicians for the new over-the-counter drugs in order to receive coverage. The news at Health Alliance follows Medco Health Solutions expansion of its Generics First program in June to include Wyeths analgesic Advil and allergy remedy Alavert.
FOR THE uninitiated, medical and health insurance is a relatively new class of insurance in Malaysia compared to motor, fire or personal accident insurance. A lot has been written about it, but there continues to be confusion over what health insurance really is.
Editors note: This article is adapted from Menke and Bobbins Integrative Chiropractic, scheduled for release in 2007 by Elsevier Health Sciences. “The medicalization of early diagnosis not only hampers and discourages preventative health care, but it also trains the patient-to-be to function in the meantime as an acolyte to his doctor. He learns to depend on the physician in sickness and in health. He turns into a lifelong patient.” “Medicalizing” is forcing conditions into familiar diagnostic categories for medical management.1 Every complaint has an antidote, whether it needs one or not. ; Treating natural consequences of living as diseases that must be vanquished, leads to too much treatment and too much dependence on the authoritative “professional.” We tend to grant most, if not all of our decision-making authority to an expert in highly complex technologies. In the case of medicine, this often complicates the commonplace condition and prolongs selflimiting ones. Today, diseases and drugs are way oversold.

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Run by The Concrete Centre in collaboration with The Building Centre Trust and delivered by leading designers, innovators and manufacturers, the Concrete Elegance lecture series provides graduate architects and engineers with an inspirational insight into a range of projects where off-site and cast in-place concrete have been used to achieve innovative and elegant design. The 2007 Concrete Elegance series continued to cover a range of issues and projects. The first lecture examined developments in sustainable concrete architecture. In particular, it focused on the reduction of both embodied and operational CO2, how to create carbon-neutral concrete and the design of single-skin self-finished external concrete walls. Lecture speakers included: Toby Lewis of Fielden Clegg Bradley Architects, who discussed the National Trust Heelis building in Swindon and the Persistence Works in Sheffield; Patrick Filipaj of Zurich-based Banz Choffat Filipaj Architekten, who examined the single-skin concrete construction of Peter Gartmanns Char House; and Ian Prichett of Lime Technology, who presented the use of hempcrete for Adnams Distribution Centre designed by architect Aukett Fitzroy Robinson.
The Concrete Centres activities and achievements have made significant progress during 2006. The UK has one of the lowest per capita consumptions of cement and concrete in the world. The Concrete Centre has been set up to address this by ensuring that the key decision makers and influencers in the construction industry are made fully aware of the wide range of benefits and attributes that concrete has. The most critical project stages that assist in the formulation of a decision as to whether or not to go with concrete are the feasibility study and detailed design. It is at these stages that the frame material is determined. Therefore, it is essential that the decision makers involved are able to make a fully informed choice in terms of structural design, construction methods, fire performance, environmental and acoustic performance and thermal efficiency. We in the concrete industry need to ensure that best practice information on the most efficient forms of concrete construction is available to design teams. The resources and advice provided by The Concrete Centre prove invaluable at this critical stage of the design process.
No retrospective would be complete without remembering the contributions of leading figures who have helped shape the industry. In this issue recognizing todays top contractors (see page 27), it is fitting to salute some of the pioneers from CONCRETE CONSTRUCTIONS early days. It was Corbettas dedication to the development of a strong concrete industry, however, that earned him the moniker Mr. Concrete. He was instrumental in founding several organizations, starting in 1950 with the Concrete Industry Board of New York City, which brought together concrete contractors, producers, architects, engineers, testing labs, cement manufacturers, and reinforcing steel producers.

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I MMIGRATION Many foreigners clearly understood that there were certain ironies in these long-term changes. No one was more aware of this than the Chinese leader Deng Xiaoping. Visiting Washington in 1979 during a time when the United States was urging the Soviet Union to allow more Jews to emigrate, the Chinese leader, according to Jimmy Carters memoirs, told the American president: If you want me to release ten million Chinese to come to the United States Id be glad to do that. Obviously, Deng was pulling Carters chain, but it is not clear from the text whether the Georgian realized that. Immigration was part of the raison d#x00EA;tre of the early Republic. One of the complaints in Thomas Jeffersons Declaration of Independence was that George III had endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands. The Constitution, while not mentioning immigration directly, did instruct Congress to establish an uniform Rule of Naturalization (Article 1, Section and provided that naturalized persons might hold any office under the Constitution save only President and Vice President. (Article 2, Section 1). The only other reference to migration referred obliquely to the African slave trade, providing that the Migration or Importation of such Persons as any of the States now existing shall think proper to admit, shall not be prohibited by the Congress prior to the Year one thousand eight hundred and eight (Article 1, Section 9).In 1790 Congress passed the first naturalization act, limiting those eligible to free white persons. This put the new nation on a collision course with Great Britain, which, although it had naturalization statutes of its own, often refused to recognize the switch of allegiance of its subjects. The question of the impressment of seamen was one of the issues that troubled Anglo-American relations from 1787, when the first of many American protests against impressment was made, until the end of the War of 1812. Foreign Secretary George Canning put the British case nicely when he declared that when British seamen are employed in the private service of foreigners, they enter into engagements inconsistent with the duty of subjects. In such cases, the species of redress which the practice of all times has sanctioned is that of taking those subjects at sea out of the service of such foreign individuals. Impressment, of course, became one of the issues that led to the War of 1812. After that the British recognized, in practice, the right of naturalization, but one of the ongoing tasks of American diplomatic officials has been trying to ensure that naturalized American citizens are recognized as such when they visit their former native lands. This has been particularly a problem for men of military age during time of war.
Two specialists, one American and one European, lay out the political-cultural models on immigration rooted on opposite sides of the Atlantic. As a case study, the influx of migrants to Britain from Poland weighed on the EU constitutional referendum. To illuminate the consequences, four personal viewpoints–from Poles and Brits–clarify immigrations far-reaching social and political implications. A book review (on page 108) analyses the issue of headscarves (and sometimes veils) as a symbolic flashpoint for Muslim minorities in Europe. But the topic has become a hot button political issue in almost every Western nation. Since it is largely a domestic issue (of assimilation or its absence), formal discussions about it largely concern best practices–comparisons sometimes but usually contrasts–between the U.S. and Europe, between France and Britain, etc. In reality, the immigration flows in all of these countries individually affect all the nations in the larger community of democracies. Americans worry about the impact of the growth of Muslim minorities in Europe. Inside the EU, older richer member-states grapple with migrant flows from Eastern Europe unleashed by enlargement. And all the European countries worry that Euro-centric re]exes in the United States, due to earlier U.S. immigration, are liable now to tilt under the growing weight of Hispanic immigrants. Our main articles describe the contrasting paradigms of integration between the EU and the U.S.: European societies seem to fit the generalization formulated by Milton Friedman that no nation with a high minimum wage (i.e. strong system of welfare and social protection) can afford immigration. But even in the U.S., a nation that has traditionally described itself as a product of immigration, there are now questions, with the Hispanic influx, about its ability to function as a melting pot. These questions often have cultural dimensions that can outweigh the economic arguments.
IMMIGRATION Six people were booked into the Shawnee County Jail Monday as a result of work done by the Anti-Terrorism Task Force.

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Ratinoff as a director of fund investment management. Ratinoff will specialize in real estate acquisitions for the western United States. Ratinoff has held senior positions focusing on real estate investments with McDonald Investments, Chase Securities and BT Alex. The San Diego chapter of the Institute of Real Estate Management has elected the following individuals as members of its 2005 Executive Council: Nancy Eagle, Harman Asset Management; Pele Wylde, Burnham Real Estate Services; Eddie Goldberg, Sea Property Management; Renee Savage, Capital Growth Properties; Harry Gersten, Union Bank; Carolyn Perriga, Transwestern Commercial; Jim Tostado, Hibiscus Investments; Wade Walker, Griswold RE Management; Sharon Eastman, Realty Executives; and Elizabeth Bzchmann, ConAm Management. The 2005 council members will be installed Nov. 11.
Real estate practice is a broad and widely defined area of the law. In a pristine sense it deals with the esoteric subject of real property law and titles. In practice the subject matter handled by real property lawyers is much broader. Many of the areas of law within real estate practice are areas of specialty themselves. Real estate lawyers examine and evaluate real property titles, handle real estate sales, purchases and other transactions, foreclose mortgages, represent developers and contractors in drafting and negotiating development and construction agreements, handle real estate financing, structure and draft the governing documents for planned developments such as condominiums, serve as counsel to community and condominium associations, draft and negotiate leases, litigate title, boundary, and other land disputes, and advise clients respecting zoning and land: use matters. The examination of real estate titles requires knowledge of corporations and other forms of business organization, wills, trusts and estates, and a practitioner handling transactions must understand contractual, business, and tax subjects as well. The subjects that are tested on the certification exam attest to this diversity. They are title issues; real estate finance; environmental and land use; condominiums and homeowner associations; landlord tenant; closings; sellers, buyers, brokers, and title insurers; real property litigation; taxation of entities and other tax issues; and ethics. Some hold an impression that at least some aspects of the real estate practice are not challenging, that the practice is increasingly title company, form, and paralegal driven, and that when business is light any lawyer with a good paralegal can Ado real estate closings. This impression is not accurate. As with any area of practice, successfully representing clients in real estate matters requires knowledge, skill, and experience. The diversity in real estate practice may mean that no one lawyer can be an expert in each practice area encompassing the modern real property practice or that are tested by the certification program. That, however, is not a reason to not seek certification. The committee recognizes that few lawyers are likely to possess specific and detailed expertise in each of the many subjects that fall within the scope of real estate.

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The Graphic Designers Guide to Better Business Writing 10 East 23rd Street, Suite 510, New York NY 10010
Provo businessman Larry Winzeler has opened his second AlphaGraphics location at 310 N. 850 East, Suite C, Lehi. AlphaGraphics, based in Salt Lake City, has more than 260 owner- operated business centers worldwide.
*Helga Smith is Manager, Analytical Support Department, Citicorp, New York, NY. My guest columnist this month is Helga Smith, who was a speaker at the Skills Seminar held at our annual meeting last September. Her speech on business graphics was very well received, and I have received many requests for copies. Because its a subject near and dear to our hearts, I thought that all of my readers would be interested in seeing it. I will add some of my own comments in next quarters column.

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CB Richard Ellis announced the following transactions: * The sale of 156 East Ave., a 3,200 SF office building in Norwalk, Conn. Barbara Segalini-Stilley, of GB Richard Ellis, represented the buyer, Associates in Chiropractic, in the transaction; * The sale of 2 Colony, Place, a 2,300 SF office building in Norwalk, Conn., to Drs. Afkari Carter. Barbara Segalini-Stilley represented the buyer in the transaction;
Whitehall Industrial Properties announced the sale of 401 Washington Ave., a 164,850 SF industrial building in Carlstadt, N.J., to GMA Accessories. Weichert Commercial announced the following transactions: * The sale of 2008 Route 37, a 19,000 SF mixed-use building in Toms River, NJ. Rosemarie Caruso, vice president of Weichert, represented both parties in the transaction; * The sale of 1094 Route 9, an 8,400 SF, mixed-use building in Lakewood, NJ. Rosemarie Caruso represented both parties in the transaction;
Dennis Peavler has joined Liquid Carbonic International as director of marketing. He is joined in promotion by William Bryce, who advanced to vice president, sales and marketing of bulk gases, and Marvin Shipps, who joined the company as regional manager, East Coast. Rae R. Burton has been elected vice president of chlor-alkali and derivatives for PPG Industries Chemicals Group. Bob Oust accepted a promotion to director of sales development and marketing at Dow Corning STI. He is joined in promotion by Roger Jesse, who has become sales development programs manager, east region, Bob Cornelius, Midwest region and Russ Tanton, west region.

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Scott Lauck and Nina Samuel have joined Wilson Associates PLLC as attorneys. Skipper Ray has been promoted to supervising attorney in the eviction department for the firm. Causley Edwards was recognized by the Center for Arkansas Legal Services for exemplary volunteerism. Edwards is an associate with the Rose Law Firm in Little Rock.
They argue that, if marijuana, cocaine, heroin, and other drugs were legalized, several positive things would probably occur: (1) drug prices would fall; (2) users would obtain their drugs at low, government-regulated prices, and they would no longer be forced to resort to crime in order to support their habits, (3) levels of drug-related crime, and particularly violent crime, would significantly decline, resulting in less crowded courts, jails, and prisons (this would allow law-enforcement personnel to focus their energies on the “real criminals” in society); and the drug production, distribution, and sale would no longer be controlled by organized crime, and thus such criminal syndicates as the Colombian cocaine “cartels,” the Jamaican “posses,” and the various “mafias” around the country and the world would be decapitalized, and the violence associated with drug distribution rivalries would be eliminated. By contrast, the anti-legalization camp argues that violent crime would not necessarily decline in a legalized drug market. In fact, there are three reasons why it might actually increase. First, removing the criminal sanctions against the possession and distribution of illegal drugs would make them more available and attractive and, hence, would create large numbers of new users. Second, an increase in use would lead to a greater number of dysfunctional addicts who could not support themselves, their habits, or their lifestyles through legitimate means. Hence crime would be their only alternative. Third, more users would mean more of the violence associated with the ingestion of drugs. These divergent points of view tend to persist because the relationships between drugs and crime are quite complex and because the possible outcomes of a legalized drug market are based primarily on speculation. However, it is possible, from a careful review of the existing empirical literature on drugs and violence, to make some educated inferences.

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Source: Bloomberg
Source: Food Processing
Danny Cox has joined the merchandising and marketing department.

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Whitehall Industrial Properties announced the sale of 401 Washington Ave., a 164,850 SF industrial building in Carlstadt, N.J., to GMA Accessories. Weichert Commercial announced the following transactions: * The sale of 2008 Route 37, a 19,000 SF mixed-use building in Toms River, NJ. Rosemarie Caruso, vice president of Weichert, represented both parties in the transaction; * The sale of 1094 Route 9, an 8,400 SF, mixed-use building in Lakewood, NJ. Rosemarie Caruso represented both parties in the transaction;
GVA Williams announced, the sale of Green Farms Plaza, a 35,000 SF shopping center in Westport, Conn., to Urstadt Biddle Properties, Inc. GVA Williams served as the broker in the transaction. WRA Properties, Inc. announced the following transactions: * The sale of an eight-family apartment building on Prospect Place in Brooklyn, N.Y. for $335,000; * The sale of a four-story apartment building on Albany Ave. in Brooklyn, N.Y. for $390,000;

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Scott Lauck and Nina Samuel have joined Wilson Associates PLLC as attorneys. Skipper Ray has been promoted to supervising attorney in the eviction department for the firm. Causley Edwards was recognized by the Center for Arkansas Legal Services for exemplary volunteerism. Edwards is an associate with the Rose Law Firm in Little Rock.
Participants included: John A. Adams from Ray, Quinney Nebeker; Robert M. Anderson from VanCott, Bagley, Cornwall McCarthy; Ted Barnes from Clyde, Snow, Sessions Swenson; Peter W. Billings, Jr. from Fabian Clendenin; David Connors from LeBoeuf, Lamb, Greene MacRae; Denise A. Dragoo from Snell Wilmer; Paul M. Durham from Durham, Jones Pinegar; Blame L. Carlton from Ballard, Spahr, Andrews Ingersoll; Raymondi. Etcheverry from Parsons Behle Latimer; David E. Gee from Parr, Waddoups, Brown, Gee Loveless; James S. Jardine from Ray, Quinney Nebeker; John S. Kirkham from Stoel Rives; Debra J. Moore, president-elect of the Utah State Bar, from the Utah Attorney Generals office, R Keith Nelson from Richards, Brandt, Miller Nelson; and Keven M. Rowe from Jones Waldo. Special Thanks to Scott M. Matheson, Jr., dean of the S.J. Quinney College of Law at the University of Utah, for moderating this months Utah Business roundtable. What are the challenges that youre facing individually right now and that you think lawyers are facing generally in representing your business clients?

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A room full of lawyers had the potential to become as hospitable as an aquarium full of piranhas. But conversation was polite when the managing partners, chairmen, and presidents of 21 Utah firms gathered in the boardroom of the Salt Lake Chamber for Utah Business magazines fifth Industry Outlook round table. Attendees included Robert Anderson, VanCott, Bagley, Cornwall McCarthy; Dennis Astill, Strong Hanni; Peter Billings, Fabian Clendenin; Lou Callister, Callister, Nebeker McCullough; Blaine Carlton, Ballard, Spahr, Andrews Ingersoll; Paul Durham, Durham, Jones Pinegar; James Duzan, Trask Britt; Ray Etcheverry, Parsons, Behle Latimer; Russell Fericks, Richards, Brandt, Miller Nelson; David Gee, Parr, Waddoups Brown, Gee Loveless; James Jardine, Ray, Quinney Nebeker; John Kirkham, Stoel Rives; John Lund, Snow, Christensen Martineau; Ralph Mabey, LeBoeuf, Lamb, Greene MacRae; Thomas Mecham, Kirton McConkie; Robert OConnor, Wilson, Sonsini, Goodrich Rosati; Jonathan Richards, Workman, Nydegger Seeley; Steven Snarr, the Williams Companies; Alan Sullivan, Snell Wilmer; Glen Watkins, Jones, Waldo, Holbrook McDonough; Gary Weston, Nielsen Senior. Special thanks to Scott Matheson, Jr., dean of the S.J. Quinney College of Law at the University of Utah, for serving as panel moderator.
Participants included: Steve Trayner from Strong Hanni; Robert Clark from Parr, Waddoups, Brown, Gee Loveless; Jan Smith from Ray, Quinney Nebeker; Steve Swindle from Vancott, Bagley; Stephen Tyler from Callister, Nebeker McCullough; David Evans from Snell Wilmer; Carl Barton from Holland Hart; Ralph Mabey from LeBoeuf Lamb; Dickson Burton from Trask Britt; Peter Billings from Fabian Clendinin; Tom Taylor from Holme, Roberts Owen; Kevin Rowe from Jones Waldo; C.J. Veverka from Workman Nydegger; Ron Moffitt from Stoel Rives; Paul Durham from Durham, Jones Pinegar; John Lund from Snow Christensen; Hal Pos from Parsons, Behle Latimer; and Blaine Carlton from Ballard, Spahr, Andrews Ingersoll.

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Churches staged events yesterday to highlight the plight of the jobless and the problems of low pay. The pressure group Church Action on Poverty will continue the theme today with a National Poverty Hearing at Church House in Westminster.
The Capital-Journal First Congregational United Church of Christ, 1701 S.W. Collins, which observes its 150th anniversary this year, will present a five- part poetry series beginning April 10. The poetry workshop will feature a variety of poets who will present their works and also lead discussions and workshops designed to help people in their writing endeavors.

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What We Must Do: America is facing a health care crisis caused by a combination of skyrocketing costs and an insurance system that leaves 47 million of us without any coverage. We must make quality, affordable health care available to all U.S. residents. All Americans should have access to a basic level of care that includes the prevention of disease, health promotion and education, primary care (including prenatal and reproductive health), acute care, long-term care and mental health care. At the same time, the federal government needs to take action to reduce the costs of health care for individuals, businesses and communities. As a nation, we are spending $1 out of every $6 we earn on health care. Over the last three decades, increases in the amount we spend on health care have consistently risen faster than wages and inflation. If nothing is done to control costs, we could be spending $3 trillion for health care by 2011 and $4.2 trillion by 2016. Thats 20 percent of U.S. gross domestic product (GDP).
The NBERs Program on Health Care holds two program meetings annually, as well as NBER Summer Institute sessions, an annual Frontiers in Health Policy Research Conference, and occasional theme meetings. Program members conduct research on a diverse range of issues in the economics of health, the delivery and financing of health care, and the interactions of health and health care with other areas of economic activity. Because Health Care is a large and active program, as reflected in the Working Papers issued by program members and in their presentations and publications, this report describes only a fraction of its work. Most Americans pay for health care with private health insurance obtained through employers. The loss of employment-based insurance frequently leads to either enrollment in government programs like Medicaid or the loss of health insurance altogether. Michael Chernew, David M. Cutler, and Patricia S. Keenan examine why the share of Americans without health insurance rose over the 1990s, despite the relative prosperity of the decade. In one paper, they relate changes in health insurance cost growth to changes in insurance coverage rates across metropolitan areas, accounting for a broad set of additional factors that may affect changes in coverage. (1) They find that rising premiums accounted for over half of the decline in health insurance coverage during the 1990s. A $1,000 increase in premiums is associated with a 2.6 percentage point decline in insurance coverage rates. They also project that rising health insurance costs will cause the number of uninsured to increase by 2 to 6 million people by 2010. In another paper, they report that the availability of uncompensated care leads to greater losses of insurance coverage when premiums rise. (2) Many of the uninsured say that they lack health insurance because it is unaffordable. M. Kate Bundorf and Mark V. Pauly develop normative and behavioral definitions of affordability, examining whether health insurance is affordable to the currently uninsured. Analyzing data from the Medical Expenditure Panel Survey, they report that when a normative definition of affordability is used for family incomes above the poverty level, health insurance was affordable to 82 percent of the uninsured. Increasing the threshold to 2 and 3 times the poverty level, the proportions of the uninsured classified as able to afford coverage were 55 percent and 34 percent, respectively. These researchers also find that, with a behavioral definition of affordability, which is defined by the health insurance purchase behavior of individuals with similar economic circumstances, about half of the uninsured could purchase health insurance. Thus, these economists believe that affordability is not the sole barrier to health insurance coverage. (3)

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OAKLAND — A Port of Oakland plan intended to generate more money at Oakland International Airport instead has priced out small businesses that take air travelers to and from the citys busy gateway. So now, port officials are considering changing the way they charge limousines, taxis and shuttle buses who profit from taking air travelers to and from the airport. Should port commissioners agree with the changes next week, ground transportation companies accessing the airport will be separated into three groups based on the number of times they travel to the terminals.
AIRLINE INDUSTRY INFORMATION-(C)1997-2006 M2 COMMUNICATIONS LTD Basra International Airport in southern Iraq should be closed, according to Iraqs transport minister Salam al-Maliki. The British military has however said that such a move would threaten the economic recovery of the city. According to The Associated Press, the conflict saw three flights cancelled yesterday (6 February) and is also increasing the tension between local Shiite leaders and the British forces that are based there.
AIRLINE INDUSTRY INFORMATION-(C)1997-2000 M2 COMMUNICATIONS LTD Manchester Airport in the UK has awarded a USD44m contract for the first phase of the design and construction of a ground transport interchange to the Anglo-Norwegian engineering and construction group Kvaerner. The project includes a transport hub building for the airports ground transport, a new bus station and check-in halls, a six floor office building and a 200-metre tunnel link between the airports new railway station and the Manchester Metro system. Construction work is expected to start in March 2001.

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Lib Dem North East spokeswoman Fiona Hall, pictured, said: I am deeply concerned.
Politicians are polishing up their information about local dentist services. Liberal Democrats in Gateshead and Washington have launched a survey of dental care. Low Fell councillor Frank Hindle is co-ordinating the survey.

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Waylan Cooper has joined the firm in the area of bankruptcy law.
Scott Lauck and Nina Samuel have joined Wilson Associates PLLC as attorneys. Skipper Ray has been promoted to supervising attorney in the eviction department for the firm. Causley Edwards was recognized by the Center for Arkansas Legal Services for exemplary volunteerism. Edwards is an associate with the Rose Law Firm in Little Rock.

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Source: Financial Times
Danny Cox has joined the merchandising and marketing department.
Source: The Economist

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Within the aluminum electrolysis industry it is well known and well documented that there exists a relationship between bath temperature and. excess AlF^sub 3^. This relationship is often referred to as the correlation line. Inspired by this awareness, this paper proves the correlation line theoretically. This is done in two steps. First, the correlation line is derived from a model of mass and energy balance of an electrolysis cell. Second, the theoretically derived correlation line is verified experimentally. (ProQuest-CSA LLC:. denotes formulae omitted.) It is well known in the aluminum community that both AlF^sub 3^ additions and the bath temperature have an influence on the acidity due to variation in side ledge thickness. The relationship between the bath temperature and the acidity is referred to as bath temperature-acidity correlation, or simply the correlation line. In References 1 and 2 this is thoroughly discussed based on achieved measurements showing the correlation of bath temperature and acidity.
During aluminum electrolysis there must be an optimum cell voltage for a given cell design at constant amperage. This optimumvoltage target depends an the goal, which may change with economic conditions. Although cell voltages have been reduced steadily during the last 50 years, they now seem to have reached a constant level at 4.1 V to 4.2 V, at least for cells larger than 200 kA. Efforts to reduce cell voltage will continue to show incremental improvements; however, it will be difficult to achieve major voltage reductions without a drained cathode combined with inert sidewalls to permit increased thermal insulation. Here, U is cell voltage (V), and CE is current efficiency given as a fraction and not as a percentage. The very high cell voltage of aluminum-electrolysis cells, as compared to the decomposition voltage of alumina, is the primary cause of the high energy consumption and the low energy efficiency of the Hall-Heroult process. Cell voltage is very important for the heat and energy balance of the cell, because it determines the electrolyte temperature and superheat, and, thereby, the thickness of the protective side ledge. Because cell voltage sets the anodecathode distance, cell voltage also influences current efficiency.
Inert anodes have been studied for decades due to their potential environmental benefits, cost savings, and energy efficiency. Although considerable progress has resulted with respect to oxide-based and cermet-based inert anodes, so far little or no success has been reported on inert anodes for industrial applications. For such applications, there exist several Gordian knots1 such as poor thermal shock resistance and electrical connection with the power supply. The development of a viable inert cermet anode material has been extremely difficult, while alloy anodes are susceptible to wear and to impurities in the resulting aluminum product. For alloy anodes to be viable they must be developed for use in high temperatures and corrosive cryolite molten salt. During electrolysis, oxygen evolves from the interface between the alloy anode and the electrolyte, forming a compound oxide film on the anode surface. If this film shows good conductivity and fine structure, adheres well to the underlying metal, and does not dissolve in cryolite molten salt, the anode material is a good candidate for aluminum electrolysis. However, many kinds of oxide films react with cryolite molten salt, as shown in Equation 1. (See Table I for all equations.)

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Business Editors Bank One Corp. (NYSE: ONE) today introduced Bank One MoneyManager(SM) - customized financial software that gives consumers unprecedented knowledge and control of their finances by bringing together their financial accounts in one location. Bank One is the first U.S. bank to customize Microsoft Corp.s (Nasdaq: MSFT) Money Explorer, a browser-enabled product built to empower financial institutions with enhanced functionality for their customers. Working seamlessly with bankone.com, Bank Ones existing online banking service, Bank One MoneyManager can retrieve and consolidate financial information from bank accounts, loans, 401(k)s and investment accounts from more than 2,000 financial companies. The software also helps consumers maintain accounts, pay bills, and create budgets and financial forecasts.
Proceeds of Transaction Will Be Redeployed for Higher Returns TOKYO — GE Money, the consumer financial services unit of the General Electric Company (NYSE:GE), announced today it has concluded the Y580 billion (US$5.4 billion) sale of its Japanese consumer finance business to Shinsei Bank, a leading diversified Japanese bank. All closing conditions have been satisfied, including the receipt of all regulatory approvals. Commenting on the transaction, William H. Cary, President and CEO of GE Money, said, We are pleased to have concluded this deal in a timely fashion in such a difficult environment. This transaction underscores our strategy of redeploying capital to markets where we have the ability to achieve greater scale and which offer stronger long term sustainable growth. Shinsei Bank is a first class organization, and our Japanese business will be well-positioned for long-term success under their ownership.

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Some legal advice on aspects of the Internet. David Lewis (1) E-payment and e-money trends are you protected? The full potential of the Internet will only be realised when electronic payment systems are more secure. Currently the Internet lacks a fast, easy and secure way to let consumers buy and sell electronically, and theres no electronic money system on the market that is legal tender.
Outstanding Lawyer award by the association. Judges John C. Ward and David B. Bogard received Lawyer Citizen awards. Ward has served as a Pulaski County Circuit Court judge since 1990. Bogard has served as a Pulaski County Circuit Court judge since 1983. Gregory S. Kitterman, Jeffrey Ellis and Heather R. Callaway received the Presidents Award from the association. Kitterman is in private practice in Little Rock. Ellis is an attorney at the Allen Law Firm in Little Rock. Callaway serves as executive director of the association.
Our panel of industry experts covered the gamut of topics in our seventh annual legal roundtable. As the economy dips, firms are adjusting to meet the needs of industry, while also focusing on ways to better serve the large corporate client. The panel also discussed recruiting and mentoring trends for young associates, supporting the states startup businesses and the changing role of technology in the legal field.

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Queers outside the church often cite these media portrayals of the church as proof that it is the most homophobic institution in our society, and as support for their view that the sooner queers get out of church, and the sooner it loses its remaining power to shape sexual morality, the better. These critics often exhibit impatience with queer Christians, sometimes going so far as to assert that remaining in the church is a sign of deep-seated internalized homophobia. Sometimes this connection between religious belief and internalized homophobia is accurate. There is more to the story than these media-based views would suggest, however. Indeed, there are distinctively queer voices within the church, and two recent books go far in showing the creativity now energizing queers within Christianity. In the process, they also offer views of Christianity which differ in important - dare we say fundamental - respects from those who oppose a queer presence in the church, as well as those who argue for Christian tolerance of queers. Neither work is without significant limitations, but each offers important resources for queer Christians and those among their allies who are willing to entertain the possibility of a Christianity not only tolerant of the sexually different but also a Christianity changed, indeed made better and more whole, by the contributions of queers. Kathy Rudy, an assistant professor in womens studies at Duke University, offers the more daring book. Her Sex and the Church: Gender, Homosexuality, and the Transformation of Christian Ethics (Boston: Beacon Press, 1999, 240pp., $22.00 [cloth]) offers several arresting arguments which can help the reader think carefully about several kinds of religious orthodoxy, both the Christian right-wing variety and its liberal, tolerance-based relation. The first argument, namely that for the Christian Right gender is the first organizing principle of theology, is not exactly radical, having been articulated by many feminist theologians, but it grounds the entire book. From here, Rudy describes the contemporary rights reliance on the traditional family, its resulting fervent opposition to alternative visions of family, and the deleterious effects of both. She also shows how liberal Christians, and other promoters of tolerance, fail to combat this insidiously genderized theological vision and, indeed, reiterate it themselves.
- Church column - A Childrens Sabbath will be celebrated Oct. 22, at North Topeka Baptist Church, 123 N.W. Gordon. The service will focus on children, youths and the response the community of faith makes to their needs. It is celebrated annually by congregations all over the United States.

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What We Must Do: America is facing a health care crisis caused by a combination of skyrocketing costs and an insurance system that leaves 47 million of us without any coverage. We must make quality, affordable health care available to all U.S. residents. All Americans should have access to a basic level of care that includes the prevention of disease, health promotion and education, primary care (including prenatal and reproductive health), acute care, long-term care and mental health care. At the same time, the federal government needs to take action to reduce the costs of health care for individuals, businesses and communities. As a nation, we are spending $1 out of every $6 we earn on health care. Over the last three decades, increases in the amount we spend on health care have consistently risen faster than wages and inflation. If nothing is done to control costs, we could be spending $3 trillion for health care by 2011 and $4.2 trillion by 2016. Thats 20 percent of U.S. gross domestic product (GDP).
Alan M. Garber [*] In a body of work, Laurence C. Baker thus asks how managed care can bring about widespread effects on health care markets and health care delivery. In two papers on health care spending, [1] Baker finds that areas with high levels of HMO market share spent less on fee-for-service Medicare beneficiaries. Since prices for Medicare-covered services largely are fixed by regulation under Medicares Prospective Payment System and physician fee schedule, the lower expenditures probably reflect reductions in the intensity of services that Medicare patients receive in areas with heavy penetration of managed care. Furthermore, because the patients studied were covered by the traditional fee-for-service Medicare program, the fact that their care appears to be influenced by the presence of managed care plans suggests that the managed care system can have important effects on the performance of the entire health care system. Changes in health care spending lead to questions about the mechanisms by which managed care may affect expenditures on and outcomes of care. In more recent work, Baker and Martin L. Brown of the National Cancer Institute report [2] that areas with high HMO market shares saw consolidation in mammography facilities through the early 1990s. In other words, higher market share areas had fewer mammography providers, each doing higher volumes. Because there are significant economies of scale in providing mammography, consolidation is associated with reductions in the cost and often the price of mammograms. But consolidation also could harm patients if it made it more difficult to obtain the procedure. To determine whether this occurred, Baker and Brown study cancer diagnoses and mortality rates. Although they find that waiting times for appointments were sometimes longer in markets with greater consolidation, they also find no evidence that cancers were diagnosed at later (and more severe) stages, or that mortali ty rates were higher, in such markets.

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AIRLINE INDUSTRY INFORMATION-(C)1997-2002 M2 COMMUNICATIONS LTD Two German regions will reportedly work together to improve the transportation situation between Frankfurts international airport and Frankfurt-Hahn airport. Hesse state governor Roland Koch and Rhineland-Palatinate governor Kurt Beck have agreed to study new transit options, including rail, to improve the current transportation situation. A consultant has also been hired to help with the project.
OAKLAND — A Port of Oakland plan intended to generate more money at Oakland International Airport instead has priced out small businesses that take air travelers to and from the citys busy gateway. So now, port officials are considering changing the way they charge limousines, taxis and shuttle buses who profit from taking air travelers to and from the airport. Should port commissioners agree with the changes next week, ground transportation companies accessing the airport will be separated into three groups based on the number of times they travel to the terminals.
AIRLINE INDUSTRY INFORMATION-(C)1997-2000 M2 COMMUNICATIONS LTD Manchester Airport in the UK has awarded a USD44m contract for the first phase of the design and construction of a ground transport interchange to the Anglo-Norwegian engineering and construction group Kvaerner. The project includes a transport hub building for the airports ground transport, a new bus station and check-in halls, a six floor office building and a 200-metre tunnel link between the airports new railway station and the Manchester Metro system. Construction work is expected to start in March 2001.

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Insurance cover for dentists in the North East is to be made compulsory in efforts to protect patients. All dentists will have to take out full indemnity cover before registration as part of new powers for the General Dental Council (GDC), Health Minister Rosie Winterton announced. This will mean that dentists in the region who are found to have harmed patients are insured and able to pay compensation.
Politicians are polishing up their information about local dentist services. Liberal Democrats in Gateshead and Washington have launched a survey of dental care. Low Fell councillor Frank Hindle is co-ordinating the survey.

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They argue that, if marijuana, cocaine, heroin, and other drugs were legalized, several positive things would probably occur: (1) drug prices would fall; (2) users would obtain their drugs at low, government-regulated prices, and they would no longer be forced to resort to crime in order to support their habits, (3) levels of drug-related crime, and particularly violent crime, would significantly decline, resulting in less crowded courts, jails, and prisons (this would allow law-enforcement personnel to focus their energies on the “real criminals” in society); and the drug production, distribution, and sale would no longer be controlled by organized crime, and thus such criminal syndicates as the Colombian cocaine “cartels,” the Jamaican “posses,” and the various “mafias” around the country and the world would be decapitalized, and the violence associated with drug distribution rivalries would be eliminated. By contrast, the anti-legalization camp argues that violent crime would not necessarily decline in a legalized drug market. In fact, there are three reasons why it might actually increase. First, removing the criminal sanctions against the possession and distribution of illegal drugs would make them more available and attractive and, hence, would create large numbers of new users. Second, an increase in use would lead to a greater number of dysfunctional addicts who could not support themselves, their habits, or their lifestyles through legitimate means. Hence crime would be their only alternative. Third, more users would mean more of the violence associated with the ingestion of drugs. These divergent points of view tend to persist because the relationships between drugs and crime are quite complex and because the possible outcomes of a legalized drug market are based primarily on speculation. However, it is possible, from a careful review of the existing empirical literature on drugs and violence, to make some educated inferences.
Outstanding Lawyer award by the association. Judges John C. Ward and David B. Bogard received Lawyer Citizen awards. Ward has served as a Pulaski County Circuit Court judge since 1990. Bogard has served as a Pulaski County Circuit Court judge since 1983. Gregory S. Kitterman, Jeffrey Ellis and Heather R. Callaway received the Presidents Award from the association. Kitterman is in private practice in Little Rock. Ellis is an attorney at the Allen Law Firm in Little Rock. Callaway serves as executive director of the association.

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Although wire EDM (electrical discharge machining) has earned respect for its ability to machine difficult workpieces with unsurpassed accuracy, the machining process didnt gain the full attention it deserves until recently. The culprit: electrolysis.Because of electrolysis, EDM has often been overlooked as the preferred machining method. Traditional machining methods, such as milling, grinding and turning, were preferred even when EDM would provide superior results.Electrolysis, however, is now being controlled with anti-electrolysis technology, opening the door to increased wire EDM applications. Anti-electrolysis, in its simplest terms, limits the stray voltage around the workpiece to inhibit the interaction between contaminants and the workpiece, therefore, shielding the workpiece from the effects of electrolysis. Parts machined on EDMs with anti-electrolysis power supplies can have surface finishes to 1 micron Rmax with no micro-cracking and no significant loss in machining speed.
Proton Energy Systems Inc., a subsidiary of Distributed Energy Systems Corp., has been awarded a $2.3 million contract for a hydrogen technology-oriented follow-on research project by the University of Nevada Las Vegas Research Foundation (UNLVRF). As part of the grant, Proton, a leader in on-site hydrogen generation systems and other advanced energy storage technologies, will focus on critical technology improvements, such as increased system and cell stack efficiency, reduced costs through scale-up and manufacturability assessments, and improving the technology to directly interface renewable electricity sources to the PEM electrolyzer.
Physical Sciences The cost is about half that of making hydrogen by electrolysis of water. NASAs Jet Propulsion Laboratory, Pasadena, California

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Green, 32, says his work doesnt have a signature style, but often includes “cartoonish” elements and tongue-in-cheek humor. “People say they can identify a consistent something in my work - theyll say that looks like your stuff - but then they cant quite put their finger on it,” he says. He cites tattoos as an inspiration, which is reflected in the way he uses illustrations as an integrated part of graphics, rather than something that is merely added on. In addition to print, Web projects and packaging, Green is moving into work on environmental graphics - in this case wall murals, as well as logos and signage - for a new bowling alley that is about to open in Jeffersontown. He also designed props and graphics for the locally made feature film Keep Your Distance.
The Graphic Design Business Book

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The so-called hard money lenders-mortgage lenders who for a price will finance real estate properties that dont meet the specifications of prime lenders have gone mainstream in a way that was virtually unthinkable only a year ago, say executives at Pergolis Swartz Associates. Hard money lenders played a key role last fall when borrowers lost their commitments from Wall Street and needed quick money to rescue their deals. In numerous cases, these hard money lenders stepped into the breach and saved the day. Hard money lenders also have been instrumental in bringing a class of properties to market that prime lenders avoid. Thanks to their financing, millions of square feet of renovated problem properties have been put back into productive use and economic viability. The hard money lenders have become almost institutional at this point, said Jerry Swartz, a principal of Pergolis Swartz Associates. There are so many viable deals our there today that just dont meet the criteria of the prime lenders or the Wall Street conduits, that the hard money lenders have become an extremely important part of the mortgage financing scene.
One of the foremost financial writers of his generation, Peter Bernstein has the unique ability to synthesize intellectual history and economics with the theory and practice of investment management. Now, with classic titles such as Economist on Wall Street, A Primer on Money, Banking, and Gold, and The Price of Prosperity - which have forewords by financial luminaries and new introductions by the author - you can enjoy some of the best of Bernstein in his earlier Wall Street days. With the proliferation of financial instruments, new areas of instability, and innovative capital market strategies, many economists and investors have lost sight of the fundamentals of the financial system–its strengths as well as its weaknesses. A Primer on Money, Banking, and Gold takes you back to the beginning and sorts out all the pieces. Peter Bernstein skillfully addresses how and why commercial banks lend and invest, where money comes from, how it moves from hand to hand, and the critical role of interest rates. He explores the Federal Reserve System and the consequences of the Feds actions on the overall economy. But this book is not just about the past. Bernsteins novel perspective on gold and the dollar is critical for todays decision makers, as he provides extensive views on the future of money, banking, and gold in the world economy.

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In addition to servicing the printing needs of corporate enterprises,
iPrint also offers high-volume digital copy services, specialized
printing services, and a self-service, online print shop aimed at
small- to medium-sized businesses that allows customers to easily
design, proof, and order customized business and stationery products,
promotional items, and corporate gifts and apparel at prices that are
up to 50% less than typical print shop rates.
Business Editors TRUMBULL, Conn.–(BUSINESS WIRE)–June 21, 2002 Imagistics International Inc. (NYSE: IGI), formerly Pitney Bowes Office Systems, today announced the launch of its first nationwide advertising campaign to build brand awareness and national recognition for its office document equipment and solutions.

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Graphic Designing Todays retail environment requires the package to do much more than just store its contents; the package must sell itself. While the package engineer must ensure that a box is functional as a container, the graphic designer is responsible for making the box function as a sales tool. Colors, images and text must be chosen with the potential end consumer constantly in mind. Using desktop computer-aided design (CAD) and computer-assisted manufacturing (CAM) software, the graphic designer creates a prototype of the package. CAD/CAM systems allow the designer to provide a precise representation of what the customer wants while also meeting manufacturing standards. This eliminates the lengthy processes of photography, film stripping and proofing that are part of the expensive procedure of getting an image ready for printing. The designer has combined computerized and digital techniques to prepare images and finish packaging projects, all in one fell swoop.
Green, 32, says his work doesnt have a signature style, but often includes “cartoonish” elements and tongue-in-cheek humor. “People say they can identify a consistent something in my work - theyll say that looks like your stuff - but then they cant quite put their finger on it,” he says. He cites tattoos as an inspiration, which is reflected in the way he uses illustrations as an integrated part of graphics, rather than something that is merely added on. In addition to print, Web projects and packaging, Green is moving into work on environmental graphics - in this case wall murals, as well as logos and signage - for a new bowling alley that is about to open in Jeffersontown. He also designed props and graphics for the locally made feature film Keep Your Distance.

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The Public Health programme 2003-2008 is a key strategic tool for the development of health policy within the EU. The programme provides the means to support actions in areas where the EU can make a difference, the ultimate goal being to contribute to a high level of physical and mental health and well-being throughout the EU. The programme is open to institutions, associations, organisations and bodies in the health field.
The things some people will do for a white Christmas.
School physicals To celebrate National Community Health Centers Week, Community Health is offering a special rate for school and sports physicals. Through Sept. 1, the physicals will cost $25 - or less for those who qualify for further cost reductions. The usual charge is $71. The physicals are offered from 10 a.m.- noon and 3-8 p.m. weekdays at Community Healths Immediate Care Clinic, 2858 International Circle. No appointments are necessary. For information, call 630-6440, Ext. 6363.

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Eight of the 12 categories showed an ad spending increase in June compared to last year, including Automotive (+34.2%), Services/Direct Response (+22.6), Retail (+22.3) and Horticulture/Farming (+15.3). The Travel (-26.6%), Computers (-14.9), Software (-7.0) and Telecom (0.3) categories showed spending declines. Half of the categories showed an ad page increase, led by Horticulture/Farming (+87.9%), and half showed an ad page decline.
Unity PrintingOwner: John Wilkerson Address: 2024 W. 2nd St., Little Rock, 664-2223 Start-up date: June With 19 years of printing experience, John Wilkerson decided to open his own printing and typesetting business, Unity Printing.
Business/Technology Editors BURLINGTON, Mass.–(BUSINESS WIRE)–Sept. 19, 2000 Genuity Inc. (NASDAQ:GENU) today launches a $20 million global marketing campaign — including the companys first-ever television advertising — to support the introduction of its innovative new Network Services Platform (NSP), Black Rocket(TM).

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A survey of management holidays in the Wall Street Journal last week claimed that there is a Catch-22 for senior workers: “The enhanced mobility of wireless communications is making it harder for people to disconnect.” According to the report, numerous European high-flyers are spending the beach bars Happy Hour talking to colleagues back home on their mobiles. Technology, naturally, is to blame. The simultaneous arrival of the mobile phone and laptop means theres no escape. The only solution for hard-pressed senior executives is to switch their phones off and claim they are in a location too remote for a signal. But deputies remember - bosses deserve it, thats what they get paid for.
The company, based in Salters Lane, Gosforth, Newcastle, said it had experienced its toughest ever holiday period.

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B ULGARIA

Television Consumption (minutes per day):
78

Number of Cable Subscribers:
1,066,820

Cable Subscribers per 1,000:
130.1

Number of Satellite Subscribers:
160,000

Satellite Subscribers per 1,000:
20.8

Number of Radio Stations:
119

Number of Radio Receivers:
4,510,000

Radio Receivers per 1,000:
585.1

Radio Consumption (minutes per day):
40

Number of Individuals with Computers:
361,000

Computers per 1,000:
46.8

Number of Individuals with Internet Access:
430,000

Internet Access per 1,000:
55.8

Internet Consumption (minutes per day):
58

B ACKGROUND G ENERAL C HARACTERISTICS
Highlights and Key Issues * Thus far, the real economy continues to shrug off the weakening global economic and financial environment and is bucking the trend of regional slowdown. Growth in Q2 2008 actually strengthened to 7.1%. But the economy cannot defy gravity indefinitely and growth is forecast to ease steadily, to an average of 6.4% in 2008 and then 5.2% in 2009. * But several factors support the scenario of an orderly adjustment. Both foreign reserve cover and the fiscal position are healthy. Inflation looks to have peaked and the decline in oil prices of recent weeks will help current account adjustment. The banking sector looks able to deal with rapid credit growth and, while rapid real wage increases have dented competitiveness, labour costs remain the lowest in the EU.
Highlights and Key Issues * Bulgarias economy is one of the fastest growing in Europe. For the moment, foreign investment will help to sustain this pace - we expect GDP growth to remain robust, at 5.9% in 2007 and 5.6% in 2008. But in order to maintain rapid growth, Sofia needs to move ahead with structural reforms and tackle corruption. * April inflation fell to 4.2% after spiking to 7.2% in January, and the rate is expected to average 4.5% this year. This should not hurt consumers too much, as earnings are growing robustly, by 8.8% in April. Inflation is now, at least in theory, the last of the Maastricht criteria blocking euro adoption.

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Echols will focus his practice on general litigation with a special emphasis in the health care industry. Johnsons practice will focus on business and commercial litigation, and Steuart will focus his practice on commercial litigation.
Business Editors A top financial services and commercial litigation team led by attorney Richard M. Sharfman has joined the law firm of Stroock Stroock Lavan LLP as partner, effective Monday, July 22nd.

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Exercise and Cancers: Research Opportunities for Health-Related Fitness ScientistsRepresentatives from the American Cancer Society (ACS), the National Cancer Institute (NCI), and the Centers for Disease Control (CDC) will challenge AAHPERD members to contribute to cancer prevention and control, describing the most promising research opportunities and resources to support investigation of the relationships between cancers and exercise. The presentation will be based on a synoptic article being developed by the ACS and the Office for Health Promotion of Northern Illinois University. Ruth Corcoran of ACS will describe a proposed collaborative research agenda, suggesting that two sets of consensually developed guidelines are needed to promote such research: one set to facilitate dissemination of what experts already know to the public and providers (including exercise specialists); and a second set to facilitate further collaborative research. Speakers from CDC and NCI will outline what is known about these topics, and how exercise scientists can contribute to further development (see accompanying abstracts). Presenters will recommend a process to develop research priorities, involving cancer experts, public health scientists, and relevant interest groups in AAHPERD. Members will be asked to contribute ideas for a research agenda.The Cancer-Exercise Agenda: Opportunities in Applications Research
Get a shot in the arm If you cant remember the last time you got a tetanus shot, you might want to celebrate next weeks National Public Health Week with a visit to the El Paso County Department of Health and Environment, 301 S. Union Blvd. The department is offering free tetanus shots to adults next week, April 3-7. A tetanus booster is recommended every five to 10 years for adults.

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Swimming pools If any designer or specifier, owner or operator of a swimming pool wishes to know almost anything on the subject which is not covered in the book, the extensive reading lists provide authoritative guidance on where this may be found. Having worked with the author for some years in the Advisory Division of the Cement and Concrete Association, I am not surprised to find the meticulous care taken in providing important details on many aspects of pool planning, design and construction. Swimming pools have to function in an environment aggressive to many of the materials used in their construction and the text provides guidance on avoiding potential problems. The majority of pools have a basic reinforced concrete structure built below ground which, externally, is subject to earth and water pressure and is liable to attack from aggressive ground conditions. Detailed guidance is not provided on reinforced concrete design but pointers to references on design are listed and factors affecting the durability of reinforced concrete are presented in some detail.
Features: company manufactures vinyl-liner inground and aboveground swimming pools; 2-inch insulated wall, all-aluminum pool Contact: Trojan Pools, Albany, N.Y. (518) 434-4161; Booth 2501 [ILLUSTRATION OMITTED]

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Abstract Methods: Breast reduction scars (N = 10 scars) and abdominoplasty scars (N = 5 scars) were treated using both LPDL and IPL. For breast reduction scars, one side was treated with each technique. For abdominoplasty scars, one half of the scar was treated with each device. Two treatments were performed 2 months apart. Physician global assessment scores of improvement were determined by side-by-side comparison of preoperative and randomly presented postoperative photographs. Patient pain scores during treatment were also obtained and the presence of post-treatment purpura was assessed. Results: Mean improvement on a 0 to 3 point scale was 2.2 (55%) after the first LPDL treatment and 3.2 (80%) after the second. Mean improvement was 1.8 (45%) after the first IPL treatment and 2.6 (65%) after the second. Differences in improvement between the LPDL and IPL sides were not statistically significant. Patients rated IPL as more painful than LPDL. The incidence of post-treatment purpura was lower with IPL.
From UAB Hospital (University of Alabama at
Birmingham) in Birmingham, Ala., Dr. John Anastasatos will perform an
abdominoplasty on a patient who has undergone a gastric bypass procedure.

Commonly referred to as a “tummy tuck,” Dr. Anastasatos says the results of
the abdominoplasty go beyond the physical recontouring of the body. “Taking
care of that not only changes their body but has a very potent
psychological effect. It changes the way they view themselves, it changes
the way they take care of themselves afterwards, meaning they are much more
diligent about maintaining what they so eagerly awaited and put a lot of
effort to get to that point.”

UAB Hospital has performed a high volume of abdominoplasty procedures and
is now treating patients from around the country. Surgeons utilize every
safety measure and employ techniques that allow them to perform an
abdominoplasty with improved cosmetic results and a shorter recovery
period.

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QI AM worried about the Airtours package I have booked for our familys annual summer holiday next July. I havent yet had to pay anything, but if I do and the company goes bust will I lose my money? - Kevin Tide, Bristol. Concern about the MyTravel group, which includes Airtours, started when auditors uncovered a pounds 50million accounting shortfall. To change arrangements now may result in difficulty getting the same dates, hotels and resorts. Different rules apply to flight-only deals so buy using a credit card to safeguard your ticket. QI FANCY pushing off somewhere warm for a few weeks before the Christmas season sets in. I have often been to Spain - are there any alternatives? - Mrs Susan Stevens, Eastbourne.
The company, based in Salters Lane, Gosforth, Newcastle, said it had experienced its toughest ever holiday period.

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BULGARIA has proved to be one of the success stories of overseas properties and now canny developers are taking it upmarket. They are offering contemporary styling and high-end fittings at the same affordable price tag that has made the country so popular. BRITISH investors have been at the forefront of buying thousands of holiday homes on the Black Sea coast and Bulgarias ski resorts for the past five years. Some of the cheap apartments that have been built in Bulgaria have proven to be a disappointment for the Brits who have bought them. Stories of shabby building work, bogus agents and lack of rental revenue have put a lot of people off but a new trend is emerging - and Bulgaria is going upmarket. The country is making the most of its geographical position and is proving to be a popular destination not only for Western holidaymakers but for the newly wealthy Russian and Eastern Europeans. Bulgaria is shaking off its shoddy image and emerging as a slick new designer destination.
Highlights and Key Issues * Thus far, the real economy continues to shrug off the weakening global economic and financial environment and is bucking the trend of regional slowdown. Growth in Q2 2008 actually strengthened to 7.1%. But the economy cannot defy gravity indefinitely and growth is forecast to ease steadily, to an average of 6.4% in 2008 and then 5.2% in 2009. * But several factors support the scenario of an orderly adjustment. Both foreign reserve cover and the fiscal position are healthy. Inflation looks to have peaked and the decline in oil prices of recent weeks will help current account adjustment. The banking sector looks able to deal with rapid credit growth and, while rapid real wage increases have dented competitiveness, labour costs remain the lowest in the EU.

bulgaria property

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In addition to representing both plaintiffs and defendants in civil litigation matters, she also represents employers in cases involving wrongful discharge claims, employment agreements, wage and hour disputes, and other issues arising out of employer/employee relationships.
Mr. Shuster, a trial lawyer, has extensive experience in complex financial matters, securities and antitrust class action litigation, and highly contested matters generally. During his 20-year career, Mr. Shuster has tried cases in federal and state courts and has tried arbitrations under the rules of various arbitral bodies. Mr. Shuster represents Comcast Corporation, Royal Bank of Canada, and various other corporations and financial institutions in a range of matters. At White Case, Mr. Shuster was head of the firms Commercial Litigation Practice Group globally, and co-head of the Litigation and IP Practice in New York. He also served at various times as Administrative Partner, head of pro bono and in other capacities. In 2005, Mr. Shuster was named as one of the Leading Individuals in New York City in General Commercial Litigation by Chambers USA. Mr. Shuster received his B.A. degree from York University in 1982 and his J.D. degree from McGill University Law School in 1986. Mr. Korpus is a general litigator with broad experience in securities actions, bankruptcy litigation, domestic and international arbitration, intellectual property cases, and contractual disputes. Mr. Korpus represents Comcast in several securities and corporate governance actions. Among other matters, Mr. Korpus has represented a leading pharmaceutical manufacturer and a worldwide agro-business company in various intellectual property disputes and a foreign sovereign in two ICC arbitrations. He has also represented parties (including the debtor) in bankruptcies including the Mirant, Enron and aaiPharma cases. Prior to joining White Case, Mr. Korpus was an associate with a New Zealand law firm. Mr. Korpus received his Bachelor of Law with honors and Bachelor of Commerce from the University of Auckland in 1991 and his L.L.M. degree from the University of Virginia School of Law in 1996. Mr. Goldbergs expertise is in the areas of commercial contract disputes, complicated financial instruments, bankruptcy, and commercial real property leases. Mr. Goldberg has extensive trial and appellate experience, with particular expertise in New York State and federal courts. Mr. Goldbergs clients include Duane Reade, New Yorks largest drug store chain, and Modells Sporting Goods. In addition, Mr. Goldberg has represented other national retail chains, distributors, and financial institutions in a variety of matters. Mr. Goldberg received his B.A. degree from Trinity College in 1989 and his J.D. degree from Pace University School of Law in 1995, from where he graduated first in his class and magna cum laude.
Echols will focus his practice on general litigation with a special emphasis in the health care industry. Johnsons practice will focus on business and commercial litigation, and Steuart will focus his practice on commercial litigation.

New York commercial litigation attorney

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Children love swimming pools. When used with proper supervision, swimming pools are safe. But when children decide to use swimming pools without supervision, they are dangerous. Each year over 250 children under five years old drown in backyard swimming pools. Most die because no one is watching them. Many of the children accidentally fall in, and no one is there to rescue them. Consumer Reports, 6/97 pp. 8-9.
Swimming PoolIn the design and manufacturing of pre-fabricated aboveground pools, the cost of fabrication continues to be a major concern. Pools have to be manufactured in a variety of styles and sizes to accommodate the available space requirements of the customer and the variety of components necessary for manufacturing is quite large. Designs that can incorporate this flexibility and reduce the necessary inventory required to accommodate a variety of sizes and structures have begun to arrive in the above ground swimming pool manufacturing marketplace creating easier systems to erect without sacrificing stability.Above ground swimming pools have an exterior wall of machined sheet metal construction formed into a continuous circular or oval shape. Support or reinforcing posts are located around the perimeter of the pool and serve to strengthen and maintain the pool wall in the desired position. Conventionally, various components make up these post assemblies and may include upper and lower rails for engaging and covering the upper and lower edges of the metal pool wall, some form of plate connectors which serve to mount the vertical posts in position and which may also be used to secure sections of ledges around the top of the pool wall. Some form of cap is usually fastened to finish the top of the post assembly.
Features: company manufactures vinyl-liner inground and aboveground swimming pools; 2-inch insulated wall, all-aluminum pool Contact: Trojan Pools, Albany, N.Y. (518) 434-4161; Booth 2501 [ILLUSTRATION OMITTED]

In ground Pool kits

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J.C.H. Mounsey London SW13
Paul Heaton is back from his holidays in the Canaries where he writes the songs. The Beautiful South are back, too and they are at the Carling Academy Newcastle on Sunday and their new album, Superbi, is fresh, modern and pointed, like a brand new pencil. We always mean to be fresh, says Paul, but we never get around to it. In a career that has spanned nearly two decades, The Beautiful South may possibly have earned the right to lie back and go stale.
ON BEAUTY. Zadie Smith. 2005. Read by Peter Francis James. 16 cds. 18 hrs. Penguin Audio. 014-305800-2. $44.95. Cardboard; content, author, reader notes. SA* Smith portrays the ratified air of academic life and its internecine rivalries with an awesome wit. The faculty meetings are hilarious! Narrator James rises to the challenge, making this an auditory delight. This takes the listener into the despair of a marital break-up and explores the sensitive issue of cultural norms of feminine beauty. In Kiki, she offers the gift of a woman who defies the self-hatred such norms provoke. Wide in scope and original. Nancy Chaplin, Libn., VCCW, Goochland, VA

Hair Color Correction Los Angeles

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DENVER — Well-Known Surgeon Will Help Educate Aesthetic/Plastic Surgeons on Effective Applications and Clinical Benefits of the ACCUFUSER(R) Post-Op Pain Control Pump A leader in the international aesthetic/plastic surgery community, Dr. Paul has reported on surgical rejuvenation of the face and neck, breast augmentation, abdominoplasty (tummy tuck) and other aesthetic/plastic procedures in numerous clinical publications and presentations worldwide. He will moderate a panel of experts on Challenges in Perioral Rejuvenation on September 27, 2005, at the American Society of Plastic Surgeons Annual Meeting in Chicago, Ill. Dr. Paul has been at the forefront in using portable regional infusion pumps, like the ACCUFUSER, to control post-operative pain. In pioneering work for open and endoscopic brow lifts, Dr. Paul has developed protocols in the application of the ACCUFUSER technology, including placement of the medication-delivering catheter for optimal pain relief. My patients using the ACCUFUSER system after brow lifts report absolutely no discomfort, says Dr. Paul. Even if I were not advising to McKinley Medical, Id still use the ACCUFUSER system because of its clinical performance and the resulting benefits to my patients.
ANSWER: Clinical staff members qualified in ACLS should remain in the facility until all patients have left the premises. Accrediting agency and professional association standards all either require or recommend the presence of ACLS-trained professional personnel in ambulatory and office-based surgery settings until all patients are discharged from the facility. Accreditation and professional standards vary slightly among organizations but are consistent regarding the presence of professional personnel to provide postoperative patient care. * Accrediting bodies, such as the Centers for Medicare Medicaid Services (CMS), require the presence of ACLS-trained personnel in the ambulatory surgery facility until all patients have left the building. The CMS states that There must be a RN available for emergency treatment whenever there is a patient in the ASC (ambulatory surgery center). (1) * The Accreditation Association for Ambulatory Health Care accreditation standards require that

abdominoplasty

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School physicals To celebrate National Community Health Centers Week, Community Health is offering a special rate for school and sports physicals. Through Sept. 1, the physicals will cost $25 - or less for those who qualify for further cost reductions. The usual charge is $71. The physicals are offered from 10 a.m.- noon and 3-8 p.m. weekdays at Community Healths Immediate Care Clinic, 2858 International Circle. No appointments are necessary. For information, call 630-6440, Ext. 6363.
Get a shot in the arm If you cant remember the last time you got a tetanus shot, you might want to celebrate next weeks National Public Health Week with a visit to the El Paso County Department of Health and Environment, 301 S. Union Blvd. The department is offering free tetanus shots to adults next week, April 3-7. A tetanus booster is recommended every five to 10 years for adults.
Children dont come with instructions. But parents might long for some when a health problem arises. A free forum designed to make parents health-wiser by providing care tips and strategies is planned 11 a.m.-1 p.m. Jan. 19 at the Pikes Peak East Library, 5550 N. Union Blvd. Lunch will be provided to those who R.S.V.P. by Monday. The forum is hosted by Resources for Young Children and Families Inc. To R.S.V.P. or for more information, call Robin Mitchell at 577-9190.

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Entertainment Editors/News Editors/Business Editors/High-Tech And Other Free Multimedia Content for Journalists
at the National Gallery, London. The clothes were made by costume design students from Wimbledon School of Art Andrew Buurman
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Childrens Costumes

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The Encino, Calif.-based real estate brokerage Marcus Millichap has been busy this month, selling three apartment complexes in Vancouver and Portland. The firm recently sold two of its Vancouver properties: Greenwood Acres, a 21,492-square-foot apartment building, went for $1.42 million, and Primrose Lane, an 8,250-square-foot apartment building, sold for $675,000. Dan McDunn and Ira Virden of the Portland office of Marcus Millichap acted as the listing and selling agents on the Greenwood Acres sale. On the Primrose Lane and Village Court sales, McDunn and Virden acted as the listing agents and Spencer Noecker represented the buyer.
JohnLScott.com Adds High-Resolution Imagery from Microsoft That Immerses Buyers and Sellers in Simulated 3-D Environment Microsofts Virtual Earth platform with birds-eye imagery is a highly interactive mapping feature that provides aerial imagery with a 45-degree view of all homes for sale in the greater Portland/Vancouver area.(a) This imagery can be adjusted to view the property from different angles, giving users a detailed perspective of a specific property and its surroundings by allowing for greater visibility than satellite mapping. Birds eye allows homebuyers to embark upon an interactive home search experience that empowers them to answer the all-important question, What would it be like to live there? Microsofts Virtual Earth platform with birds-eye imagery is revolutionizing the real estate industry and how consumers look for homes, said J. Lennox Scott, chairman and CEO of John L. Scott Real Estate. Homebuyers and sellers in the Portland/Vancouver area now have the ability to immerse themselves in a simulated 3-D environment through the use of high-resolution imagery; simply put, this is the quickest and easiest way to find a home, said Scott.

Vancouver Washington Real Estate

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