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What the government is doing to protect you The Credit Repair Organizations Act is one weapon the FTC uses to combat credit repair frauds. “It prohibits [among other things] counseling consumers to get a new credit identity,” notes Baker. And thats exactly what these fraudulent companies have been doing, drawing consumers in with promises to “erase bad credit” or provide “a new credit file overnight.” They sell instructions for fees ranging from $29.99 to $399.99, informing users how to substitute federally issued nine-digit employee identification numbers or tax identification numbers for Social Security numbers. These numbers are used illegally to build new credit profiles that will allow consumers to get credit which they would otherwise be denied based on their real credit histories. And while these firms claim the practice, known as file segregation, is totally legitimate, using a false identification number to apply for credit is a felony, and offenders can be prosecuted.
Looking for a bargain on an MP3 player or a digital camera? You might want to think twice if youre planning to buy it online. Overall, the number of complaints about consumer electronics toppled gripes about other industries. Financial services finished a close second, with most of those complaints tied to loans, debt collection and credit repair. Mail order, marketing and promotions held the top spot in 2002 and 2003.
New Patent Pending Technology Uses S.O.S. - Score Optimization System[TM] to Prioritize and Manage Customers Looking to Optimize Their Current Credit Score with 100% Guaranteed Results i3 Solutions S.O.S. technology interprets a clients credit file in its entirety, identifying all of the factors affecting their credit score while determining the most effective and efficient way of tremendously increasing their credit rating and purchasing power, allowing them to obtain all of their financial and employment goals while saving thousands of dollars each and every year in interest overcharges. This all new system also includes an interactive, online Client Management System, making it easy for their clients to track their progress twenty-four hours a day, seven days a week. S.O.S. - Score Optimization System truly delivers what ALL lenders, mortgage professionals, and individuals are looking for in a credit, or would it be better said, SCORE SOLUTION, GUARANTEED! Hear what one of i3 Solutions Preferred Partners has to say about i3 Solutions and its services.

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Perhaps no other subject in childrearing has received as much attention in recent years as self-esteem. It seems as if every manual or magazine for mothers and fathers published during the past decade has included a treatise on the importance of a strong, healthy self-image along with a plethora of tips on how to make your kid feel terrific about himself. Consequently, many mothers and fathers have employed simple practices that appear to be appropriate and effective but, in reality, produce merely superficial results. And when their childrens self-esteem is truly challenged, it often collapses like a house of cards, making the entire process somewhat pointless and even counterproductive in the long run. In all fairness, I will say the literature has done reasonably well when it comes to helping parents avoid potentially damaging deeds. Recommendations to refrain from ridiculing, humiliating, or insulting a child certainly make sense, as do the reminders to focus criticism on a childs actions rather than on the child himself(e.g., saying, you did a bad thing rather than, youre a bad boy) and to back off unfair personal comparisons (e.g., saying something like, do you think you can do better in school? instead of, why cant you get good grades like your sister?).
Parents often view high self-esteem as the most important gift they can give to their children. To achieve this goal, many parents provide a stream of positive, supportive messages. They fear that negative comments will inflict lasting damage. Parenting books, pediatricians, and the media all support the importance of self-esteem. Children do need praise and positive feedback. Unconditional praise, however, can be useless and even destructive. Think of the child who receives praise that is independent of the quality of the work produced. Consider the impact of hearing only about successes and never about limits. Ponder the impact of children believing that they are better and more worthy than everyone else. One of my favorite cartoons shows two mothers talking: Mother 1: Jamie got an “F” on his report card. It is going to damage his self-esteem. It will destroy his self-image!

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Dear Editor; In the February 2004 Newswire (page , Healthcare Purchasing News publicized a patent announcement related to Hepatitis A, B, and C virus kill claims for antiseptic handcare products containing isopropyl alcohol as the active ingredient.
This databook is a detailed information resource covering all the key data points on Skincare in Chile. It includes comprehensive value volume segmentation and market share data. The databook supplies actual data to 2006 and full forecasts to 2011. * Contains information on 6 categories: Facial care, Suncare, Body care, Make-up remover, Hand care and Depilatories.
[ILLUSTRATION OMITTED]

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Patients with acne have high rates of sebum secretion, providing a lipid-rich growth medium for Propionibacterium aches. High sebum production may reflect increased production of adrenal and gonadal androgens. In most women with acne, serum androgen concentrations are not higher than normal; however, some women may respond to antiandrogen therapy. Patients with acne also have abnormally adherent desquamated cornified cells that may plug the follicular canal instead of shedding from the skin surface. The combination of plugged follicular canals and excessive sebum production leads to the development of comedones. As P. acnes proliferates in this medium, it contributes to the inflammatory process, leading to the typical papules, pustules and nodules of acne vulgaris. In patients with mild to moderate acne or noninflammatory comedones, topical therapy is indicated. Tretinoin reduces the formation of comedones by reversing the abnormal keratinization process. Because topical tretinoin is irritating and photosensitive, therapy usually begins with the lowest-strength cream or gel, increasing the formulation strength until the desired result is achieved. Other topical agents include salicylic acid, adapalene, azelaic acid and isotretinoin, but not all of these preparations are currently available in the United States. Topical benzoyl peroxide targets P. aches and is available in gels, lotions, creams and soaps. Local irritation may be reduced by using the lower-strength preparations or by applying the product less frequently. Topical bacteriostatic antibiotics such as clindamycin, tetracycline and erythromycin are effective in acne vulgaris but may induce resistant strains of P. acnes. Combination topical therapy is commonly used in the treatment of acne, because concurrent therapy with several agents has a synergistic antimicrobial effect. Benzoyl peroxide, topical antibiotics and tretinoin may be used concurrently. Several agents may be combined in one preparation, but an alternating schedule of application of individual agents may be less irritating. The choice of vehicle depends on the patients skin type. Non-greasy gels and solutions tend to dry the skin and may be preferred by patients with oily skin. Creams and lotions may be more cosmetically acceptable. Oral antibiotics such as tetracycline, doxycycline, minocycline, erythromycin and cotrimoxazole are used in patients with mild to moderate disease, those with affected areas that cannot be adequately covered with topical medications and those with a high potential for scarring or substantial pigmentary changes. These medications act primarily by inhibiting bacterial growth, although some also have anti-inflammatory properties. The potential benefits and side effects should be weighed when choosing an agent. Treatment with oral antibiotics should generally be continued for four to six months; maximal clinical improvement may not be apparent before three months of therapy. If acne worsens during antibiotic therapy, bacterial resistance may have developed.
New treatments for photoaging were presented at the meeting including a 1100-1800 nm infrared device for skin laxity and plasma skin resurfacing. Several investigators showed significant improvements in rhytides and laxity using the 1100-1800 nm infrared light (Titan, Cutera). In a site-matched control study comparing the infrared light to monopolar radiofrequency (Thermacool, Thermage), the infrared light demonstrated slightly more modest results as compared to radiofrequency, though with the advantage of far less discomfort. (5) A novel device which employs radiofrequency to pass nitrogen plasma through the epidermis results in controlled thermal ablation without collateral thermal damage. (7) The advantages of this ablative technology include more controlled depth and extent of ablation and, since the ablated epidermis is left in place, a rapid recovery time. In sum, the treatment of photoaging and skin laxity continue to progress at a rapid pace. 1. Alexiades-Armenakas MR. Safety and efficacy of pulsed dye laser-mediated photodynamic therapy with 5-aminolevulinic acid in patients with mild to severe cystic, inflammatory or comedonal acne. Amer Soc Derm Surg Abstracts, October 30, 2005, Atlanta, GA.
An azelaic acid and benzoyl peroxide combination appears equally effective for treating mild to moderate acne vulgaris as a fixed-dose erythromycin-benzoyl peroxide combination, Dr. Barry Solomon said at the American Academy of Dermatologys Academy 99 in New York. But the 20% azelaic acid and 4% benzoyl peroxide regimen caused significantly less burning and scaling in a small study undertaken by Dr. Solomon of the State University of New York Health Science Center, Brooklyn, and Dr. Diane Thiboutot of Pennsylvania State University, Hershey. The azelaic acid-treated patients had 45% fewer pustules, 48% fewer papules, and 17% fewer nodules by week 12; the Benzamycin (3% erythromycin plus 5% benzoyl peroxide) group had 33% fewer pustules, 50% fewer papules, and 25% fewer nodules.

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Where Creativity and Capital Meet Using Untapped Collateral and Nontraditional Payment Terms Three significant requirements are needed for a client to utilize monetization financing: 1) an assignment of/or an absolute and unconditional promise to pay from an investment-grade obligor or an acceptable substitute financial instrument backing the transaction, 2) a predictable cash flow, and 3) a date-certain payment. An investment-grade obligor for this program is typically rated by SP and Moodys with an acceptable rating. There are exceptions and substitutes, however, for these rating criteria. If a company is not rated, there are alternate procedures to qualify said obligor. An obligor is typically a customer or other third party who has contractually agreed to make payments to the client or guarantee payments for the client within a term of 1-30 years. In one sense, monetization financing can be viewed as a longer-term variation of factoring without the high cost and other major differences associated with factoring.
Meridian Capital Group LLC announced the following transactions: * Meridian Capital Group negotiated a new mortgage in the amount of $18.3 million on a 431 unit, 22 story luxury co-op building on Henry Hudson Parkway in the Riverdale section of the Bronx. The co-op is 48% sold and the loan featured a rate of 6.04% with a 15 year interest only term. Allan Lieberman and Michael Kesselman arranged for the financing. * Meridian placed a new mortgage of $3.52 million on a 84 unit, 6 story apt. building on Kenilworth Place in Brooklyn, NY. The loan featured a rate of 5.03% and a 7 year term. Jeffrey 3. Weinberg David Ostrov negotiated the transaction.

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Slim had been MCIs single largest shareholder. Meanwhile, America Movil, a Slim-controlled cellular provider with businesses across Latin America, won a license in Peru to provide mobile telecommunications nationwide. According to America Movil, its winning bid in the public auction was US$21.1 million.
“Slim” Darrel Dean Diersen on Feb. 26, age 73, of Colorado Springs. Preceded in death by his father, Vern Diersen. Loving son of Hazel and stepfather Jim Babb. Brother of Barbara Adkins. Also survived by three nieces and many friends. Visitation begins at 3:00 at the Elks Lodge No. 309, 3400 N. Nevada Ave. Chaplain Ed Waldrop will begin the Service at 4:00. Slims contributions throughout his lifetime will never be forgotten. His smile and humorous personality will be remembered by all. Everyone who met Slim was touched by his appreciation for life. We will love and remember him forever.
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At the end of 1998 it was estimated that around 171.8 million people had access to the Internet throughout the world. Canada and the US held the largest share of the Internet market with 56 per cent in 1998. However, the combined percentage share is set to decline considerably as Europe and the Asia-Pacific region catches up with 24 per cent and 18 per cent, respectively, by the end of 1999. In the Asia-Pacific region, Japan has the largest share of the market.

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Maria E. Dennison is moving to Kansas from Mississippi Maria E. Dennison, 37, of Biloxi, Miss., is the new circulation director at The Topeka Capital-Journal. Dennison, who starts Monday, comes to The Capital-Journal from The Sun Herald, of Gulfport, Miss., where she was circulation retention and marketing manager. She worked for nearly four years at The Sun Herald, which has a daily circulation of 46,000 and a Sunday circulation of 52,000.

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Data protection and recovery management are
gaining in importance as more companies put a higher priority level on data
restoration by instituting Service Level Agreements (SLAs) that include
Recovery Point Objectives (RPOs) and Recovery Time Objectives (RTOs),
according to a recent benchmark report by Aberdeen, a Harte-Hanks company
(NYSE: HHS).

Aberdeen surveyed more than 200 respondents and results showed that 82% of
Best-in-Class companies have a formal, written data protection and recovery
management policy in place compared to 51% of the industry average and 33%
of laggards. Furthermore, 57% of Best-in-Class organizations have
implemented its recovery management policy at the executive level compared
to 29% of industry average and 14% of the laggards.
“Data protection and recovery technologies have changed significantly in
the past few years. Once comprised solely of backup applications and tape,
todays data recovery processes are increasingly relying on evolving
disk-based backup and restore technologies,” says Avner Kedmi, Research
Director, Data Management Storage at Aberdeen.

Best-in-Class companies are ahead of the curve in laying the groundwork for
best practices when it comes to setting measurable RTOs and RPOs. “These
companies also have a better handle on whether such policies are
translating into a higher guarantee of data and application recovery,”
explains Kedmi.

CBL Data Recovery Technologies Inc. (CBL) today announced a new service offering which shields computer users from the expense of data recovery when data loss disaster strikes unexpectedly. The CBL Data Recovery Service Protection Plan (DRSPP) provides three years of unlimited data recovery coverage of a hard drive for US$99.99.

Any make or model of new and existing internal or external hard drives are eligible for DRSPP coverage. The hard drive must be functional at the time of registration and accessible from a computer running a Windows(TM) operating system. The hard drives serial number is captured during online registration so when a DRSPP customer incurs data loss, they simply ship the registered hard drive to CBL.

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Visions of Tomorrow Over the next decade, the wireless boom is expected only to accelerate. The research firm Allied Business Intelligence predicts that by the end of 2004, the number of subscribers to wireless services is expected to reach 1.1 billion worldwide. This development will go far beyond the cell-phone phenomenon, for it is expected to include not just voice communications, but laptops, personal digital assistants (PDAs), and other portable devices. Already some organizations, such as the armed services, NASA, banks, and hospitals are using wireless connections in their daily routine. The hospital of the future could have patient beds bearing screens linked to a central digital database that doctors and nurses could use to get to medical records using handheld devices. The wireless revolution is getting, and will continue to get, a boost from Bluetooth, the technology developed by a consortium of international vendors including 3Com, Ericsson, Motorola, Intel, IBM, Lucent, Microsoft, Nokia, and Toshiba. Bluetooth is a low-cost, low-power, short-range wireless radio technology that can link a host of devices including mobile phones, PDAs, laptops, and other portable devices. It operates worldwide on the 2.45-GHz frequency, so it is a truly global development. According to the Bluetooth Special Interest Group, more than 2,000 manufacturers have agreed to offer Bluetooth-enabled products.
ELECTRONS
The Orb Liquid SoundsThere was a time, long ago, when the Orb were kind of a big thing in British electronic music, so it is pleasing to learn that, after a long string of line-up changes and duff albums, they are back, comprising core members Alex Paterson and Youth. The Dream references and is of a kind with their heyday output, but sounds comparatively distinctive and fresh. A collage of spoken- word and found-sound samples arranged around a spine of ambient house and dub, it is rich in texture and varied in mood. They may never be cool again, but theyre far from an embarrassment. Laurence Phelan

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Best supermarket GRAND VIEW MARKET PLACE KING SOOPERS Sure, we love Whole Foods and Wild Oats, but if youre looking for low prices and an attractive, useful layout, you cant beat this King Soopers. 3250 Centennial Blvd., 866-6645 kingsoopers.com
BEST OUTDOOR STORE GO! CHOICE: (tie) Mountain Chalet and Gart Sports Mountain Chalet is locally owned, and Garts is part of a massive chain. Mountain Chalet has a staff made up of some of the regions most respected experts in outdoor recreation - climbing, telemark skiing, backpacking. Garts has the inventory that often cant be found anywhere else in town. Whether were searching for a specific item, or just out to buy some new, cool gear, we usually end up at both places. Mountain Chalet, 226 N. Tejon St.; Gart Sports, 3921 Palmer Park Blvd.
Shopping takes on a whole new meaning in the Summit City. Going on a spree may mean traveling to one location and visiting numerous stores. Or, it could mean traveling to a variety of quaint shops in a number of different centers. But no matter what youre looking for Fort Wayne has a mix of higher-end retailers and moderately priced stores that fit the needs and budgets of shoppers everywhere. Located on the north side of the city, Glenbrook is anchored with three department stores - L.S. Ayres, JC Penney and Sears. It also boasts more than 160 specialty stores for shoppers of all ages and tastes. Abercrombie Fitch, Aeropostale, Banana Republic, Childrens Place, Gap, Gap Kids, Limited and Limited, Too are just a small sampling. And, when youre famished after all the shopping, you can choose to enjoy a leisurely meal at one of two restaurants or grab a quick bite at any of 12 other eating establishments, many of which are located in the Apple Glen Food Court.

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Atlanta-based nFront, Inc., and MindSprings Enterprises, Inc., has packaged services that include Internet access, Internet banking and Internet bill payment. Financial institutions using nFronts services can offer the packages as an incentive for their customers to sign up for Internet banking. For first-time Internet users, the package cuts the time and the cost of setting up both Internet access and Internet banking, notes the companies. Financial institutions that have established Internet banking through nFront will be able to offer the package to their customers. The package gives bank customers strong incentives to try Internet banking. In addition, nFront provides a full range of marketing support services to help banks promote the package to their customers, adds the company.
PHAROS INTERNET ACCESS CONTROL This past August, the Librarys Board of Trustees authorized the use of Pharos, new software that will not only set automatic time limits on Internet use but also allow patrons to select Internet filtering options for themselves and their children. Pharos has been custom designed for Fort Vancouver Regional Library and is believed to be the first of its kind. The password will only be used at the time of registration or to modify the registration form. To use the Internet, all that is needed is your library barcode and PIN number. When you “log on” to the Internet computer, the appropriate filtered or unfiltered version will appear on the screen (or access will be denied if the selected option was “no Internet access”).

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ARAG Group is offering identity theft protection. It provides identity theft assistance as a component to its group legal insurance plan, which is offered as a voluntary employee benefit. A plan member can call ARAG Group to speak with an identity theft specialist, who will walk the plan member through the first critical steps in identity theft–prevention and loss reduction. The specialist will then help the plan member understand what identity theft is, how to avoid it, steps to be taken to prevent further loss if victimized, and how coverage works. Members will also be referred to a legal specialist if required. For more info, select #250
TSCRA is offering association members Identity Theft ShieldSM, a tool to protect their credit and identity and help avoid the time-consuming and costly process of credit restoration. By working with Pre-Paid Legal Services, Inc., and Ron Holmes, independent associate certifed identity theft risk management specialist, TSCRA offers Identity Theft Shield, “Our mission is to protect the stewards of land and livestock in the Southwest,” says Jerri McDonald, TSCRA director of insurance services. “According to the Federal Trade Commission (FTC), a victim of a mid-level identity theft case can expect to spend 600 hours and $1,200 to clean up the consequences,” he says.
SCHAUMBURG, Ill. — As employers strive to broaden their benefit portfolios, demand is growing for benefits that go beyond traditional health and dental discount programs. Most notably, employees are increasingly calling for help in the areas of identity theft protection and legal protection. According to the Federal Trade Commission, identity theft is one of the fastest growing and most personally devastating non-violent crimes in the United States. Meanwhile, when it comes to legal matters, studies show that taking time away from work to resolve legal issues is a leading cause of costly employee work absences. Among the cost-effective options available for employees through Benefit Solutions by GE are identity theft protection and legal assistance benefit programs. GEs identity theft protection helps employees guard against the menacing risk of fraud, while GEs legal assistance benefit programs give employees peace of mind and help businesses combat a leading cause of absenteeism and employee stress.

Identity Theft Insurance

Rockin on the River If you dont already have plans today, head south to Pueblo for the third annual River Rockn Blues Fest at the Greenway Nature Center. The music starts at noon and continues till 10 p.m. and features local and regional blues groups, as well as guest star Billy Earl McClelland from Alabama. No pets or alcohol permitted. Call (719) 549-2414 for more.
The joys of flying on your birthday have been much discussed in this column: cakes, champagne and even upgrades can be laid on for the celebrant. But Kate Thorman of Oxford found that becoming 12 provided her with a Catch-22 problem. “So, on the one hand Kate is old enough to pay the adult fare, but on the other hand she is too young to travel without a paid escort,” says her exasperated father. At this point, Mr Thorman gave up and booked with another airline; then poor Kate found her birthday flight delayed by four hours at Birmingham airport. “Come back, Gorbachev, all is forgiven,” pleads Philip Robinson of Sheffield. “The last time I visited my friend in Minsk, this city was in the USSR. I flew to Moscow, took a train to Minsk, and all was well.”
World Travel 101 Want to travel on the cheap? Holly Ridenour of Hostelling International, Rocky Mountain Council, will talk about using hostels as inexpensive accommodations while traveling. Her free talk is 7- 8:30 p.m. Thursday at REI, 1376 E. Woodmen Road. Call 260-1455 for information.

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Story and photographs ATCHISON - Whether its the old or the new in home decor that a shopper wants, the partnership of Lintiques and Parker House fills the bill.
If theres one truth in decorating, its that the most inviting homes are ones that express the owners unique sense of style. Here are some tips and projects that will help give your home a special, personal touch. BRING OUTDOOR FURNITURE IN: Old-fashioned metal garden furniture is just as appealing and functional inside the home as it is outside. Try planting a garden chair in front of a vanity to use as a charming seat, or bring a plant stand into a powder room to hold bath accoutrements. ENLIVEN THE SMALL SPACES: Vintage wallpaper is a decorators secret tool for enhancing overlooked household nooks, such as closets, alcoves and shelves. The lively patterns are usually only available in limited quantities, but you need just a modest amount to make a big impact.

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One of my favorite companies is an organization called Alternative Gifts International. AGI is a non-profit, interfaith agency, raising funds each year for global gifts in its Alternative Gift Markets held nationwide and from individual donors. Their mission is to send authentic, life-giving gifts to the needy of the world–gifts that build a partnership with oppressed people in crisis and that protect and preserve the earths endangered environment. Ninety percent of all monies collected are used for the designated projects. Gifts can be given in any amount for projects around the world, from a Solar Water Pasteurization project in Tanzania, to Organic Gardening in Belize, to a Threatened River System in the Dominican Republic, to Homeless Americans in the USA, and to literally dozens of other needy and worthwhile projects. Participants can choose a variety of card styles and have the gift cards sent directly to their recipient, or the cards can be sent to you so a personal note can be written. Their websi te is very comprehensive, detailing the organization and each different project. A snail mail listing (also comprehensive) is available. This is a not only a worthwhile cause, but can be used as a very fruitful learning experience to teach children about geography, different living conditions around the world, and the environment. Another great alternative gift idea is to donate in the recipients name to their favorite charity. Even the most hard-to-shop-for person on ones list would appreciate this gift. From animals, to trees and the environment, to childrens hospitals and individual health issues, there is a cause out there for everyone.
Email, in conjunction with Web sites, is already showing real promise as a gift marketing channel Mens Health adapted a traditional new businesss sweeps package to create an email promotion that was sent to 110,000 names acquired through the publications weekly electronic newsletter. The email offered a special holiday gift rate, delayed billing, a no-purchase-necessary invitation to enter a $300,000 You Can Win It sweepstakes and a free copy of the 128-page book, The Best of Mens Health, for the donor, reports consumer marketing manager John Phalen. The response went like gangbusters. The letter contained a link which the recipient could click on to arrive directly at our Web site. We got a 10 percent click-through and 335 new subscriptions. Considering the efforts low cost, and the profitability of gift subs, this was quite encouraging. In fact, although premiums are used in all of Rodales promotions, this email effort was more successful than last years cold donor direct mail campaign–a sweeps promotion that produced dismal results, says Phalen. The email package proved to be a good marketing technique, he adds. Between now and next Christmas, I definitely expect that well do another electronic gift offer. Outsides email gift promotion to its opt-in email addresses rocked, says consumer marketing director Michele Givens. It outperformed our cold donor mail efforts by more than 100 percent, and 60 percent of these orders were paid for up front with credit cards.

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Boating officials urge duck hunters to use extreme caution on Saturday when boating on Utah marshes and offered these tips. — Wear a personal floatation device or life jacket at all times while in the water. PFDs are available in a variety of styles, including camouflage vests and float coats. — Know and obey all boating laws and safe boating rules. — Possess a valid hunting license, tag and permit for the hunt.
In 2004, 71% of boats changing hands were pre-owned, as compared to 63% in 1997, according to a recently released study by the National Marine Manufacturers Association (NMMA). The 2004 Pre-Owned Boat Market Study reported that more than one million used boats were sold in 2004 and more than 75% of first-time boat buyers bought a used boat. Traditional powerboats made up 81% of used boats sold in 2004. The study divides the used-boat market in the U.S. by propulsion, hull material, length of boat and region of the country. The report estimates that there were 463,000 first-time boat owners in 2004 (boaters who had not otherwise purchased a boat since 1997), and first-time boat buyers are four times more likely to buy pre-owned. But as age, income and net worth increased, the study noted that consumers tended to buy more new boats as opposed to pre-owned. This study is of great value to the industry, primarily because it examines current consumer buying trends, said Jim Petru, NMMA director of industry and market research. It will help guide future research and allow us to gauge activity in the coming years with regard to the pre-owned boat market.
Sailing An international jury on Saturday ruled Denmarks Soling class boat ineligible but cleared the team to take part in another boat. The Danish Soling captain, Stig Westergaard, and his crew will use a spare Spanish boat, selected at random from a pool. The International Yacht Racing Unions chief measurer, Michael Jackson ,said the English-built Danish boat had too few coats of laminate on the hull.

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A heads up on how to hold on to and beautify those wonderful tresses The average person loses somewhere between 50 and 125 strands of hair each day as a normal part of “shedding.” This may seem like a lot, but lost hairs (including eyebrows and eyelashes) are replaced very quickly so that we barely notice their departure. Its when you begin to lose more than this number on a regular basis that you may be headed for trouble. If you find youre clogging your drain during one shower, youre probably shedding too much hair. And, if new growth doesnt seem to take place as quickly as it once did, or worse, not at all, you may become one of the 40 million men and 20 million women destined for thinning hair or pattern hair loss.
The scalp also appears normal in children with alopecia areata, but this condition produces a clearly circumscribed area of complete hair loss bordered by pathognomonic exclamation point hairs that are wider at the tip than close to the scalp. Hair loss that is secondary to dermatophyte scalp infection (tinea capitis) is associated with inflammation and scaling of the scalp with broken infected hairs either at the scalp level or close to the hair root. The scalp may appear to have black dots, which are caused by the stubble of broken hairs. Alopecia that is present from birth may result from in utero scarring (aplasia cutis) or nevus sebaceous, which has an orange, velvety appearance and becomes more prominent and wart-like during adolescence because of increased sebaceous activity.

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Candy CaneCandy canes are traditionally a Christmas holiday candy. The classic candy cane is a white candy with red stripes infused with either peppermint or wintergreen flavors. They are usually about 6 in (15 cm) tall and about 0.25 in (6 mm) thick. Over the years, candy manufacturers have introduced various modifications on this classic look. Today, candy canes vary in size from about 2-12 in (5-30 cm) tall. Their widths can also vary ranging from about the width of a pencil to over I in (2.5 cm) thick. A variety of flavors are available such as apple, watermelon, cinnamon, strawberry, and even chocolate. The colors of these products are often modified to better reflect the candys flavor. For example, a green apple candy cane might be colored green with red stripes. Some manufacturers have changed even the familiar cane shape. The result is a wide variety of candy cane type products that are sold throughout the year.
No where was the candy business sweeter in 2001 than in chain drug stores, where sales grew at a rate at least twice the overall average pace set across the three channels combined. A lot of that was driven by rather healthy seasonal sales, particularly, later in 2001 during the Christmas holiday period. In fact, according to Information Resources Inc. data compiled for the National Confectionery Association, the drug channel set the pace at Christmas. The business grew 4 percent during that period, reaching more than $178 million, and outpacing both food and mass outlets (excluding Wal-Mart), both of which were trending flat to negative. And that is one trend that has continued into 2002. This past Valentines Day period saw sales increase 6.7 percent versus the same time last year, topping $172 million and racking up $20 million more than supermarkets in Valentine candy. Another 2001 trend worth noting, occurred in the gum category, where the business grew 9 percent in chain drug stores, fed by the continued emergence of newer, more advanced breath freshening gums. Most of this growth was sparked on the sugarless side of the equation, which was up in the 20 percent-range in drug stores last year, according to NCA, fed by brands such as Wrigleys Eclipse and Orbit and Adams Dentyne Ice, which were up in the high double digits.

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AS AN AVID READER OF BLACK ENTERPRISE, I APPLAUD you for establishing the Declaration of Financial Empowerment to help focus our attention in this arena. Building wealth and passing this wealth on to our children will continue to be a challenge as well as a goal for African Americans. Thats why I was a bit concerned as I read one of the recommendations to the Hills, the winner of Financial Fitness Contest #55 (February 2005). Qualifying for insurance when a term policy ends (typically age 60 or 65) can be difficult–especially for African Americans, given our health issues–and its usually cost-prohibitive. Whole life insurance remains a guaranteed way of passing on wealth to the next generation or merely giving our children a head start.

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BELLINGHAM, Wash. — JellyBarn Inc., a photo blogging company, announced today it has gone live with its photo sharing product — GrapeBerry — on Classface.com. JellyBarn is excited about this opportunity as Classface has chosen our photo sharing product to help their users pool and share their photos with friends and family. From camera phones or digital cameras, users can pool photos around events such as road trips, proms, etc. and create a slideshow or DVD delivered to their door. Michael Silverstein, Classfaces leader says, It has been great working with JellyBarn to get Classface to this point and Im very excited to see the reaction of the end users to the product. Im so excited to continue to work with JellyBarn as Classface begins aggregating a huge pool of users. I am confident our users will be wowed by JellyBarns photo album tool.
Business Editors SAN JOSE, Calif.–(BUSINESS WIRE)–Feb. 9, 2001 Club Photo is redefining photography by integrating the traditional film and printing process with an extensive sharing foundation. This enables people to easily get their pictures processed the way they want, whether from digital images or film, and instantly share them anywhere, anytime for friends and family to enjoy around the world. The rapid growth is a clear endorsement of the compelling added-value approach that combines traditional and digital photo processing, printing, personalized gifts, and online photo sharing via desktop and Palm or Handspring devices.
DULLES, Va. — AOL Pictures Offers Consumers Unlimited Online Digital Photo Storage, Tools That Make It Easier To Create Photo Albums, and Special Holiday Offer for Free Prints AOL Pictures is a completely new version of our leading online photo service that first launched in 1998 and continues to handle millions of photos shared via e-mail and instant messages every month, said David Liu, General Manager and Vice President, AOL.com. Available for free to anyone on the Web at AOL.com, AOL Pictures gives consumers a complete digital photo experience with benefits like unlimited, free photo storage, and integration with the AIM service and our blogging tools, he added.

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Sondheim: Passion Original Broadway Cast (EMI Angel CDQ 7243-5-55251-2) Passion is effectively a “musical” without songs. Passion feels through-composed, though much of it is not sung or underscored. Passion is stream of consciousness, dream-like in its narrative flow. Passion is at once the most febrile and effulgently lyrical of Stephen Sondheim. All of which might just explain why it appears to have divided even the fully paid-up members of his appreciation society. Perhaps the most notable aspect of this show is the degree to which it has refined the relationship between that which is spoken and that which is sung. Passion is songful. Like the emotions it chronicles, this “rhapsody” on the power of unconditional
PETER MULVEY Friends House Concerts, Luckett house, 7 p.m. today, $10, 329- 1644 While he strums in the intimate comfort of the Luckett house living room, where he last performed in November, the grittier aspects of Peter Mulveys artistic life come bleeding out. The singer- songwriter, with a penchant for ambitious, creative fretwork, spent time busking in Dublin, Ireland, then in daylong sessions in the subways and streets of Boston. Milwaukee-based Mulvey is a well-rounded artist who studied theater in college before beginning his successful music career.

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Business Editors/Legal Writers At a time when the public spotlight is on business ethics and social responsibility, the efforts of these outstanding members of the defense bar serve as an example to those of us in the legal community, said John Kouris, executive director of DRI. The efforts of these lawyers and their firms serve as a reminder to us all of our responsibilities to not only to provide our clients with the best possible service, but also to be mindful of our duty as members of the communities in which we live and work.
Saul Ewings sales development program, which began in April 2002, has trained six groups of about 12 to 15 senior associates and junior partners — roughly 70 of the firms 250 lawyers in its six offices. Two more training groups are scheduled for September and October. Although the majority of trainees, whose department heads recommend them for training, are from Baltimore or the firms Philadelphia headquarters, the firm tries to ensure a good “spread” to make sure the training “percolates through the law firm,” said Managing Partner Stephen S. Aichele. But its not about pushing the lawyers to bring in more work, he said.
Months later, as they were discussing how the legal odds seemed stacked against them, friend introduced them to Pre-Paid Legal Services Inc. of Ada, Oklahoma. “If we had Pre-Paid Legal at the time of the accident, our expenses would have been a lot different,” says Michael. Pre-Paid Legal Services Inc., according to its founder, Harland Stonecipher, was created to provide access to lawyers for middle-income people. Pre-Paid is one of two dozen national companies offering legal services plans. The basic concept is that the cost of legal problems is spread over a group, similar to the premise of health insurance. And like health insurance, the goal of pre-paid legal service plans is to get people into the habit of calling a lawyer before theres a crisis. They also give you reduced rates of up to 50% off the lawyers normal fees if its a matter not covered by your group.

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Jewelry Savvy
Just as some animals will offer in courtship a morsel of food, the bowerbird and others make gifts of feathers and flowers and all manner of colorful trifles. There can be tittle doubt that the first tokens of human affection were of a simitar nature and were worn as treasured souvenirs. With the recognition of the intrinsic qualities of shelfs and stones, the evolution of jewely had begun. In the Middle Ages patronage was largely in the hands of the church, and a good proportion of medieval jewelry is of a devotional nature. Not until the second half of the fifteenth century was there an emphasis on the aphrodisian themes of antiquity. The refinement of Italian Renaissance jewelry was a result of the broadly based apprenticeship of artists, which required a mastery of drawing, engraving, chasing, casting, enameling, and niello work. Thus Donatello and Ghiberti became sculptors, Ghirlandaio and Andrea del Sarto became painters, and Pollaiuolo and Verrocchio worked in several mediums, returning to goldsmith work and jewelry at will. The fashion for decorative emblems and badges was taken up with enthusiasm in the courts of Europe during the Renaissance. Both devotional and amorous allusions are common in these decorative devices, which closely echo contemporary jewel work. One of the most charming designs for an emblem shows Cupid rashly pursuing the sweetness of the honeycomb only to be stung by the bees who have made it (Pl. XIII), a poignant allegory of the pleasure and pain of love. The Netherlandish hat badge in Plate IX is an emblem depicting a woman choosing between two suitors surrounded by a motto that can be translated “love is something but money is everything.”

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Mike Murphy, president and CEO of Holyoke Credit Union (HCU), said he sees the challenges facing credit unions today, among them a nation-al trend toward over-banking. But that trend has also led to some new opportunities for his own institution, including expansions and mergers, additions to service, and subsequently, a greater ability to serve the underserved. That said, its proving to be a busy year for HCU, as new programs are created and perfected, services are added, and new locations - the institutions first foray out of Holyoke since its inception in 1911 - are established.
Your credit report wont have a ghost of a chance unless you avoid these 10 foul-ups He soon fell behind in making his car payments, and “he said he couldnt catch up. He told me he talked to the people at Toyota [about getting a new car because the `repo man was coming for his old one],” says Davis, who is a screenwriter now living in New York. To make a long story short, Davis bought him a new $30,000 SUV on her credit, thinking there wouldnt be a problem since their finances would soon become one. Again, he missed payments. “I even deferred payment on my own car note one month to pay his,” she declares. Despite her best efforts to keep both car notes afloat, her credit suffered.

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At the beginning of this century, a new advertising industry came of age in the United States. Now, at the turn of the twenty-first century, new global media and audiences are reshaping this industry and the advertising we see. The next frontier is worldwide, and the new media are as open-ended as cyberspace. The tremendous growth of the Internet as an advertising medium has been widely documented in a variety of published articles and reports. Although advertisers still invest more than 45 percent of their media budget in newspaper and television, the Internet Advertising Bureau (IAB) estimates that more than $900 million was spent on Internet advertising in 1997 and projects that the end-of-year figures for 1998 will show an expenditure of at least $2 billion. Business Week predicts that ad spending on the Internet will be close to $8 billion by 2002.1 One important reason why revenue is increasing at such a rapid rate is that many ol the more established and popular Web sites are charging more for their ads. In general, advertisers pay for their ads on a “cost per thousand” (CPM) basis, i.e., advertisers pay a fee for every thousand times their ad is viewed. CPM rates for television range from $5 to $6 per thousand. Compare this tc Web site charges: the average cost for banner ads is $17, but more popular sites can charge a premium of $20 to $22 per thousand for access to their visitors. Advertisers pay more for Internet ads because these sites can deliver a more targeted audience.
At the end of 1998 it was estimated that around 171.8 million people had access to the Internet throughout the world. Canada and the US held the largest share of the Internet market with 56 per cent in 1998. However, the combined percentage share is set to decline considerably as Europe and the Asia-Pacific region catches up with 24 per cent and 18 per cent, respectively, by the end of 1999. In the Asia-Pacific region, Japan has the largest share of the market.

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The proposed ordinance being considered by the Orem City Council would allow the following businesses to locate in historic homes:
Travel agencies say cruise sales rise after initial plunge
Group offers free business advice

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AbstractMarlierea eugeniopsoides, Marlierea obscura, Marlierea tomentosa, Marlierea silvatica, Myrtaceae, essential oil composition.
AbstractThe leaf oils of Curcuma caesia Roxb. and two cultivars of C. longa L. were investigated by GC. The leaf oils can be characterized by the following major constituents C. longa Roma: terpinolene (87.8%); C. longa Kasturi: myrcene (48.8%) and terpinolene (10.1%); C. caesia: 1,8-cineole (27%) and camphor (16.8%).Curcuma longa, Curcuma caesia, Zingiberaceae, essential oil composition, myrcene, 1,8-cineole, terpinolene, camphor, [alpha]-humulene.
A renaissance in the arena of food preparation is about to emerge: the exciting and innovative art of combining essential oils with food. The art of distilling essential oils from plants began 6,000 years ago with the ancient Egyptians. If youre not familiar with essential oils and their benefits, read on!

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Looking for a little friendly combine competition? John Deere is sponsoring a fun Agriculture Online® game that lets players navigate a combine by harvesting a field. By using the keyboards arrow keys, players can quickly outpace the Rowdy Rival and avoid a harvest penalty. In addition, players can collect John Deere icons and featured items for speed boosts and added bonuses.
Entertainment Editors/Business Editors Game Informer, Americas fastest growing consumer magazine, has launched a new, companion venture, Game Informer Online.

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Law The Garden City firm of Scully, Scott, Murphy Presser named Michael Petrocelli an associate in the firm. He is a mechanical engineer. Petrocelli had been a test engineer at Grumman Aircraft Systems.
Kathleen M. Tomlin was recently elected director, Western Region, to the National Board of Directors of the National Association of Credit Management (NACM). Tomlin is an associate with Q2C Quote to Cash Process Consulting. Formerly, she was regional credit manager for Hanson Aggregates Mid-Pacific and Hanson Permanente Cement. She holds a masters degree in business from St. Marys College in Moraga. She earned the Certified Credit Executive designation from NACM in 1998, and was also honored with the CMA Business Credit Services Credit Executive of the Year award for 1996-97. Through a mentoring program, she volunteers to assist other credit professionals, and is a California Institute of Credit instructor as well as a frequent speaker for the association.
Negotiating The Fraud Exclusion It is important for policyholders to understand, however, that the exact wording of the exclusion can differ substantially from policy to policy. This can have important practical ramifications for directors and officers. For example, in some instances, the terms of the exclusion may allow an insurance company to refuse to provide a director or officer with a defense to a claim in a lawsuit asserting fraud; the director or officer therefore will be obligated to retain and pay for his or her own attorney. In other situations, the exclusion only may prohibit an insurance company from indemnifying a director or officer once fraud has been proven in the underlying lawsuit; the director or officer is much more likely to avoid having to pay any costs out-of-pocket with this form of the exclusion.

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http://ehpnet1.niehs.nih.gov/docs/2000/108p803-813moline/abstract.html Paternal exposure to solvents, pesticides, and metals has been associated in animals and humans with the occurrence of spontaneous abortion, low birth weight, birth defects, childhood leukemia, brain cancer, change in the male:female sex ratio of offspring, and other end points related to growth and development. Certain paternal occupations–rubber worker, petroleum worker, agricultural chemical worker, painter, welder, and janitor–have been particularly implicated as detrimental to the reproductive health of men (1). The reproductive hazards of occupational exposure have been recognized by the National Institute for Occupational Safety and Health (NIOSH) as a priority area in need of further study. The National Occupational Research Agenda, coordinated by NIOSH, was established in 1996 to outline the research priorities that can lead to improved worker safety and health in 21 key areas of occupational health (2). One of the 21 priority research areas is fertility and pregnancy abnormalities, which includes male reproductive health. However, exposure to environmental hazards is not limited to the workplace. Potential sources of exposure include food, air, water, soil, and hobbies. Individuals may have multiple exposures that in many cases occur chronically and at low doses. The reproductive health implications of chronic exposures to reproductive toxicants are not well documented and, in general, the mechanisms of toxicity are either poorly understood or unknown.
It is not enough to be medically healthy. Many men worry about looking healthy and fit. Some of the dilemmas men face today revolve around:
THE CLAIM that its a mans world may soon be put to test. A leading scientist sounds a warning today that social, sexual and health trends are driving the male of the species towards extinction. As their gender weakens, men could become socially and biologically redundant leaving women in the ascendancy, according to Professor Siegfried Meryn, chairman and president of the First World Congress on Mens Health opening in Vienna this week. Writing in the British Medical Journal, Professor Meryn of the Institute of Medical Education at the University of Vienna, and Alejandro Jadad of the University of Toronto, Canada, say one of the great medical mysteries is why women live on average seven years longer than men when most of the social determinants of health are in mens favour.

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Are you thinking about getting a pet? Then read on to see which one might be best for you. Pets can be great! Who else licks your face, chirps happily, or purrs in your lap? A pet can make you feel good and can calm you down when youre upset. And caring for a pet can help you learn about kindness and responsibility.
Is your pet a full-fledged member of the family? If so, traveling with your canine or feline companion could add a lot of joy to your vacation.

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Rockin on the River If you dont already have plans today, head south to Pueblo for the third annual River Rockn Blues Fest at the Greenway Nature Center. The music starts at noon and continues till 10 p.m. and features local and regional blues groups, as well as guest star Billy Earl McClelland from Alabama. No pets or alcohol permitted. Call (719) 549-2414 for more.
The Lying Game James W. Loewen, a guy obsessed with the dissemination of misinformation (”Lies My Teacher Told Me”) is back with “Lies Across America: What Our Historic Sites Get Wrong” (Touchstone, $15). Its not precisely a travel guide, but its a good guide for travelers who visit historic sites. Did you know the Traditional Lincoln Birthplace Cabin in Kentucky is a composite of several old cabins, none of which are where the late great president was born? Some examples he gives are lies by omission, others an attempt to be politically correct - but inaccuracies are rife, nonetheless.

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Home News Page 002
Traders who are owed debts in the Argentine must be wondering whether President Eduardo Duhalde will be able to deal with his countrys political and economic crisis. Readers who may not have used this type of service before might like to consider this method of reducing their bad debts, especially if they are either uninsured or self-insured. Omni Whittingtons emerging market services began in 1986. Its core activity is the collection of defaulted sovereign (government) or bank guaranteed trade debts evidenced by letters of credit, promissory notes, bills of exchange or similar instruments. The group employs approximately 350 staff in offices in the UK, the Netherlands and the United States. Collection work is carried out on no cure, no pay terms. This means that all of the legal and associated costs are borne by Whittington and they are remunerated by retaining a pre-determined percentage of the recovery actually achieved. This is an extremely useful solution utilised by multi-nationals, banks, and the political risk insurance market, including Lloyds syndicates. Not all creditors are keen to take the legal route and some exporters, when faced with short term liquidity problems, seek a more immediate solution. With this in mind, defaulted payment instruments can be purchased through a dedicated investment fund, which is under Whittingtons control and management. Incidentally, the company undertakes to provide creditors with a full feasibility assessment of their default situations and, where possible, provide them with a collection and/or purchase proposal. This service is provided free of charge and is conducted with utmost confidentiality.
Effective January 1, 2001, Treasurys Bureau of the Public Debt revised formats, titles, and column headings in the “Monthly Statement of the Public Debt of the United States,” Table I: Summary of Treasury securities Outstanding and Table II: Statutory Debt Limit. These changes should reduce confusion and bring the publication more in line with the publics use of terms. Treasurys Financial Management Service (FMS) compiles data in the “Treasury Bulletin” tables FD-2 and FD-6 from the “Monthly Statement of the Public Debt of the United States.” Effective June 2001, FMS revised procedures and categories in these tables to agree with the Bureau of the Public Debts publication changes. * Table FD-I summarizes the Federal debt by listing public debt and agency securities held by the public, including the Federal Reserve. It also includes debt held by Federal agencies, largely by the Social security and other Federal retirement trust funds. The net unamortized premium and discount also are listed by total Federal securities, securities held by Government accounts and securities held by the public. The difference between the outstanding face value of the Federal debt and the net unamortized premium and discount is classified as the accrual amount. (For greater detail on holdings of Federal securities by particular classes of investors, see the ownership tables, OFS-I and OFS-2.)

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At first look, Eichhorn Jewelry store in downtown Decatur looks like hundreds of other jewelry stores in hundreds of other communities across the country with brightlylit show windows on either side of the front entrance to entice customers. On closer examination, however, its not youre typical jewelry store, it is a very special place. Patrons first impression of the 35 yearold store is “WOW!” One-hundred yearold vertical display cases with huge windows that slide up on the north wall are expertly lit to highlight eclectic groupings of jewelry. Unlike most stores, the main showcases, the ones John Eichhorn started his business with in 1965, are situated in the center of the showroom rather than along the sides and are also antiques. The floor cases are from 1929 when Keller Jewelry was located in the Eichhorn building. The diamond sorting table in a back room is a 100-year-old wooden library table that was left behind by the previous owner of the building who was also a jeweler. From the showroom one can peer down a short hall at the end of the store to the large steel door of the vault where the company places its valuable inventory every evening. The vault used to be part of the First National Bank in Adams County, which was the only one that didnt shut down in the crash of 1929.
Located in the heart of downtown Decatur in a original 1929 stained glass and marble storefront is a shop which stands out from all the rest: Eichhorn Jewelry. A full-service jewelry store, Eichhorns specializes in customer satisfaction. Not only does it offer quality products, it also gives customers quality time, educating them about their purchases. Whether shopping in the store or over the phone, their customers have given them the best referrals. In addition to the areas finest collection of diamonds, gemstones, gold jewelry and watches, Eichhorns offers an extensive collection of unusual colored stone rings, pendants, earrings, bracelets, and estate jewelry.
Jewelry Handbook 560 West Main Street, Suite C-200, Alhambra, CA 91801

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Denver bound?
The joys of flying on your birthday have been much discussed in this column: cakes, champagne and even upgrades can be laid on for the celebrant. But Kate Thorman of Oxford found that becoming 12 provided her with a Catch-22 problem. Like most other airlines, those flying to the Republic of Ireland say adulthood begins at 12. Kates father, Andrew Thorman, set out to buy her a full-fare ticket from Birmingham to Dublin. He mentioned to his travel agent that Kate would be travelling unaccompanied, and was told Ryanair required an extra pounds 25 to look after her. “So, on the one hand Kate is old enough to pay the adult fare, but on the other hand she is too young to travel without a paid escort,” says her exasperated father. At this point, Mr Thorman gave up and booked with another airline; then poor Kate found her birthday flight delayed by four hours at Birmingham airport. “Come back, Gorbachev, all is forgiven,” pleads Philip Robinson of Sheffield. “The last time I visited my friend in Minsk, this city was in the USSR. I flew to Moscow, took a train to Minsk, and all was well.”

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Rockin on the River If you dont already have plans today, head south to Pueblo for the third annual River Rockn Blues Fest at the Greenway Nature Center. The music starts at noon and continues till 10 p.m. and features local and regional blues groups, as well as guest star Billy Earl McClelland from Alabama. No pets or alcohol permitted. Call (719) 549-2414 for more.
Hut! Hut! Hut!/ NOT JUST FOR WINTER ANYMORE The 10th Mountain Division Hut system isnt just for cross- country skiers. The huts are open all year around for hikers and mountain bikers, too. Learn more at a free program given by Jarod Trowe at 7 p.m. Thursday at REI, Academy Boulevard and Woodmen Road.
Butterfly expansion The World Travel 101 workshops, sponsored by Hostelling International-American Youth Hostels, will visit Colorado Springs with a session on traveling in Australia and New Zealand. It will cover possible itineraries, transportation options, ways to save money, packing, travel documents and safety. The free event is at 7 p.m. Thursday at the REI store at 13476 E. Woodmen Road. Call the store at 260-1455.

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Effective January 1, 2001, Treasurys Bureau of the Public Debt revised formats, titles, and column headings in the “Monthly Statement of the Public Debt of the United States,” Table I: Summary of Treasury securities Outstanding and Table II: Statutory Debt Limit. These changes should reduce confusion and bring the publication more in line with the publics use of terms. Treasurys Financial Management Service (FMS) compiles data in the “Treasury Bulletin” tables FD-2 and FD-6 from the “Monthly Statement of the Public Debt of the United States.” Effective June 2001, FMS revised procedures and categories in these tables to agree with the Bureau of the Public Debts publication changes. * Table FD-I summarizes the Federal debt by listing public debt and agency securities held by the public, including the Federal Reserve. It also includes debt held by Federal agencies, largely by the Social security and other Federal retirement trust funds. The net unamortized premium and discount also are listed by total Federal securities, securities held by Government accounts and securities held by the public. The difference between the outstanding face value of the Federal debt and the net unamortized premium and discount is classified as the accrual amount. (For greater detail on holdings of Federal securities by particular classes of investors, see the ownership tables, OFS-I and OFS-2.)
Credit Bureau Data Inc. in La Crosse continues to grow, thanks to increased marketing and continuing increases in consumer debt and bad debt.Bob Goliwas of La Crosse founded the company in 1979 to provide collection and credit reporting services to clients throughout the Midwest. The business now is owned by the David Nudd family of La Crosse and has expanded in recent years to offer check verification, check recovery and collection training services.”Expansion is in our plans,” said Borgen, who has been with the company since 1983. Credit Bureau Data plans to expand to other states in the next few years. “We did major computer system upgrades last year” to prepare for expansion, Borgen said.
Traders who are owed debts in the Argentine must be wondering whether President Eduardo Duhalde will be able to deal with his countrys political and economic crisis. Readers who may not have used this type of service before might like to consider this method of reducing their bad debts, especially if they are either uninsured or self-insured. Omni Whittingtons emerging market services began in 1986. Its core activity is the collection of defaulted sovereign (government) or bank guaranteed trade debts evidenced by letters of credit, promissory notes, bills of exchange or similar instruments. The group employs approximately 350 staff in offices in the UK, the Netherlands and the United States. Collection work is carried out on no cure, no pay terms. This means that all of the legal and associated costs are borne by Whittington and they are remunerated by retaining a pre-determined percentage of the recovery actually achieved. This is an extremely useful solution utilised by multi-nationals, banks, and the political risk insurance market, including Lloyds syndicates. Not all creditors are keen to take the legal route and some exporters, when faced with short term liquidity problems, seek a more immediate solution. With this in mind, defaulted payment instruments can be purchased through a dedicated investment fund, which is under Whittingtons control and management. Incidentally, the company undertakes to provide creditors with a full feasibility assessment of their default situations and, where possible, provide them with a collection and/or purchase proposal. This service is provided free of charge and is conducted with utmost confidentiality.

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CASE DESCRIPTION The primary subject matter of this case concerns the operational philosophy and actions of a small retail jewelry store. Secondary issues examined include the nature of the jewelry and diamond market, selecting an appropriate target market, developing a merchandise mix to satisfy target customers, pricing and promotion strategies for a small retail jeweler, and store location decisions. The case has a difficulty level of four, appropriate for senior level. The case is designed to be taught in one class hour and is expected to require one hour of outside preparation by students. Jack Adams owns and manages an independent jewelry store in Florida. He is facing a number of issues concerning the stores competitive effectiveness in the local jewelry market. The immediate decision is whether he should move from his long-established store location. Although his store is not very up-to-date, it is in a high-traffic location and receives a lot of exposure. He caters to a middle class clientele, but fancies his business as a higher quality, upscale operation. Thus, there are issues of image and positioning in the local jewelry market among competitors. Other questions concern his lack of effective promotion activities and hours and days of operation. All of Jacks decisions relate to the issue of his customer service and marketing orientation. The case also incorporates global dimensions as it describes the nature of the diamond market.
Just as some animals will offer in courtship a morsel of food, the bowerbird and others make gifts of feathers and flowers and all manner of colorful trifles. There can be tittle doubt that the first tokens of human affection were of a simitar nature and were worn as treasured souvenirs. With the recognition of the intrinsic qualities of shelfs and stones, the evolution of jewely had begun. In the Middle Ages patronage was largely in the hands of the church, and a good proportion of medieval jewelry is of a devotional nature. Not until the second half of the fifteenth century was there an emphasis on the aphrodisian themes of antiquity. The refinement of Italian Renaissance jewelry was a result of the broadly based apprenticeship of artists, which required a mastery of drawing, engraving, chasing, casting, enameling, and niello work. Thus Donatello and Ghiberti became sculptors, Ghirlandaio and Andrea del Sarto became painters, and Pollaiuolo and Verrocchio worked in several mediums, returning to goldsmith work and jewelry at will. The fashion for decorative emblems and badges was taken up with enthusiasm in the courts of Europe during the Renaissance. Both devotional and amorous allusions are common in these decorative devices, which closely echo contemporary jewel work. One of the most charming designs for an emblem shows Cupid rashly pursuing the sweetness of the honeycomb only to be stung by the bees who have made it (Pl. XIII), a poignant allegory of the pleasure and pain of love. The Netherlandish hat badge in Plate IX is an emblem depicting a woman choosing between two suitors surrounded by a motto that can be translated “love is something but money is everything.”
Jewelry Savvy

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Butterfly expansion The World Travel 101 workshops, sponsored by Hostelling International-American Youth Hostels, will visit Colorado Springs with a session on traveling in Australia and New Zealand. It will cover possible itineraries, transportation options, ways to save money, packing, travel documents and safety. The free event is at 7 p.m. Thursday at the REI store at 13476 E. Woodmen Road. Call the store at 260-1455.
World Travel 101 Want to travel on the cheap? Holly Ridenour of Hostelling International, Rocky Mountain Council, will talk about using hostels as inexpensive accommodations while traveling. Her free talk is 7- 8:30 p.m. Thursday at REI, 1376 E. Woodmen Road. Call 260-1455 for information.

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Housing market downturn leaves imprint on credit industry The current housing-market slump has curtailed consumer spending and spiked nationwide foreclosures. According to the RealtyTrac U.S. Foreclosure Market Report, a total of 2,203,295 foreclosures were filed in 2007 alone, representing a 75 percent increase from 2006. Consumer confidence took a sharp downturn in February as the Consumer Confidence Index decreased from 87.3 in January to 75.0, the Conference Board reported. The decrease in confidence resulted in the lowest level reported in nearly 15 years, according to the survey results.
Contra Costa County, a place where much of the Bay Areas once- booming housing market soared in recent years, now has the fourth- highest rate of foreclosure in California. A year ago, Contra Costa County ranked 11th on the list of the states 58 counties, according to a report on foreclosure rates for September released this week by RealtyTrac.com, an online marketplace for foreclosure properties. Riverside County topped the September list. Still, the numbers are rising at a time many borrowers who took out adjustable-rate loans years ago are now paying bigger mortgages after the end of introductory rates.
Utahs foreclosure rate has dropped to its lowest point in nearly eight years, and 30 states now post higher rates than Utah, according to a new report. For the three months ended June 30, the percent of mortgage loans in foreclosure in Utah fell to 0.74 percent, down from 1.18 percent in the same quarter of 2005, according to the Mortgage Bankers Associations delinquency survey. The last time Utahs foreclosure rate was lower was in the fourth quarter of 1998, when the rate was at 0.70 percent.

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The selection of a proper fan for a vent system must pursue the proper basis. This is an essential element in the engineering design phase of a vent system. However, many controversial articles in engineering journals and other literature consider contradictive bases for selection (1) through (6). Those articles notwithstanding, the natural laws of aerodynamics have strict requirements that do not allow contradictions. This article presents graphical illustrations as the clearest demonstration of the fan selection procedure, with trade-offs between system and fan curves, air capacity and pressure, and energy consumption. Fan and air ducts together with their associated parts comprise a vent system. Figures 1 and 1 a illustrate the relationship of all existing pressures in the working system, where:
The Internal Revenue Service has been busy in recent weeks issuing guidance on several fringe benefit projects that were included in its 2000 Priority Guidance Plan. Included in the latest releases are Notice 2001-14, addressing the employment taxation of Incentive Stock Options (ISOs) and Employee Stock Purchase Plan (ESPP) options; Announcement 2001-7, postponing the earlier announcement requiring the segregated reporting of non-qualified stock option income on Forms W-2; and final regulations pertaining to qualified transportation fringe benefits. This article reviews these important developments. After setting up dozens of proposed employment tax assessments and spending almost two years in the U.S. Court of Federal Claims defending a challenge to one such assessment in Micron Technology, Inc. v. United States, the Internal Revenue Service in mid-January issued Notice 2001-14,(1) which provides employment tax relief to employers with ISO plans and ESPPs. This Notice should allow taxpayers under audit and in Appeals on the issue of the proper employment taxation of ISOs and ESPPs to close out those cases on the basis of a full concession by the IRS. Those taxpayers who have been withholding employment taxes on ISOs and ESPP options should be entitled to refunds of the taxes paid for any open years. ISOs and options granted under ESPPs do not generate option income to the employee when granted or exercised. Instead, at disposition of the stock received on exercise, compensation income may potentially be triggered. In Rev. Rul. 71-52,(2) the IRS concluded that neither the exercise of the statutory predecessors to ISOs and ESPP options, nor the disposition of the stock received on exercise of such options, resulted in wages subject to federal income tax withholding, FICA taxes, or FUTA taxes. The IRS in its private letter rulings applied the conclusions of Rev. Rul. 71-52 to ESPPs. And, consequently, taxpayers relied on Rev. Rul. 71-52 in concluding that employment taxes were not required to be withheld or paid in connection with the exercise of ISOs and ESPP options, or the disposition of the stock received on exercise of such options.

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By Barbara Hollingsworth COUNCIL GROVE - Rose Marie Wallen turned the small gray stone in her hand.
GENERAL SILICONES CO. USA INC. Sometimes, a manufacturer just bowls me over! General Silicones Co. USA offers an amazing array of silicone products and anodized hardware; all work perfectly on a variety of applications. GSs products are top quality and great looking, too! I could easily find a use for every item in its inventory.
A second, unrelated point: there must have been an error in the quoting of 350 watts exerted by walkers and pedalers at the speeds indicated. The actual value should be around 150 watts.

five dollar gold pieces

If youre looking for something new to do in your spare time, choose your next hobby wisely. Scientists have found that certain pastimes translate into more than just fun and games. They may also affect your performance in school. Susan McHale, a psychologist at Penn State University, compared students hobbies with their interest levels and grades in math and language arts. The results: Girls who played team sports earned high marks in math. For boys, playing a musical instrument equaled success in math. And, not surprisingly, all of the avid bookworms shined in language arts.
Happy to be stuck with you
GENERAL SILICONES CO. USA INC. Sometimes, a manufacturer just bowls me over! General Silicones Co. USA offers an amazing array of silicone products and anodized hardware; all work perfectly on a variety of applications. GSs products are top quality and great looking, too! I could easily find a use for every item in its inventory.

fly fishing basic advice

WHAT ARE THE FLORIDA KEYS? They comprise a chain of islands curving out south and then west for 120 miles from the southern tip of mainland Florida. The major islands are linked by road - the Overseas Highway, US Highway 1 - which crosses 42 bridges over the sea, with the longest bridge just under seven miles long. The Keys are divided into five groups: Key Largo, Islamorada, Marathon, Lower Keys and Key West. The word “Key” is from the old Spanish word “cayo”, meaning island. Theres no need to worry about altitude sickness or fear of heights - there are no skyscrapers, and the highest natural point on the Keys is less than six metres above sea level. Vegetation is generally made up of mangrove along the shorelines and waterways, with buttonwood, poisonwood, gumbo limbo, silver palms, thatch palms and mahogany trees on higher ground.
KEY WEST, Florida Keys–(BUSINESS WIRE)–Sept. 24, 1998–The threat of Hurricane Georges making landfall in South Florida has temporarily closed the Florida Keys Key West to visitors, according to Monroe County Emergency Management and the Monroe County Tourist Development Council. According to the National Hurricane Center, a hurricane warning is now in effect for South Florida, from Deerfield Beach southward on the east coast and from Bonita Beach southward on the west coast including the Florida Keys. This includes Monroe, Miami-Dade, Broward and Collier Counties.

vacationing in the florida keys

Dorothy Otnow Lewis, 462 First Ave., New York, NY 10016, phone: 212-562-4141 Lewis is a psychiatrist who has extensively studied homicide. Dee Kifowit, Texas Council on Offenders with Mental Impairments, 8610 Shoal Creek, Austin, TX, 78757, phone: 512-406-5406, fax: 512-406-5416, e-mail: dee.kifowit tdcj.state.tx.us Kifowit is an expert on prisoners with mental illness.
Contact the Knowledge Exchange Network at 800-789-2647.

mental health

DITCH your sponges and rollers - wallpapering is quick becoming the new `old fashion for your walls. No kidding. Royal wallpaper reigns again! Prints, textures and florals are actually on the cutting-edge of home
WallpaperWallpaper is a nonwoven (paper) or woven (fabric) backing, decoratively printed for application to walls of a residence or business. Wallpaper is not considered essential to the decoration of a structure; however, it has become a primary method by which to impart style, atmosphere, or color into a room.

discount wallpaper

Considers general community interactions of the plant as well as its economic uses for man. Will do much to encourage professionals and students to look at wetland plants in a more comprehensive way.
By selecting the proper plants, bloom can be scheduled over an extended period. This progression can be provided by using bulbs, perennial flowers, annual flowers and woody ornamentals (trees, shrubs, vines). Hardy bulbs and early spring flowering trees and shrubs provide early season interest. There are not many summer blooming woody ornamentals to complement other flowering plants — but there are a notable few. Best known of the summer flowering trees is the golden-rain tree. It is noted for its large, conspicuous yellow flower clusters that appear in July. These flowers are followed by showy fruit that hangs like clusters of small Chinese lanterns until late in the fall. Because of its spreading habit of growth, the golden-rain tree is one of the best small shade trees. It is adapted to many soil types and has few insect or disease problems (but it is a favored host plant for the red-shouldered box elder bugs that can be a seasonal nuisance in spring and fall).
Based on examples from history, ethnography, religious studies, the classics, folklore, ethnobotany, and medicine. The geographic area covered is vast, extending from Europe through the Near East, to India and China. Plants covered include holy basil (Hinduisms most sacred plant), fig trees (sacred in India), pipal, banyan, urd, mandrake, ginseng, garlic, and onions. Physical characteristics that contribute to the plants ritual roles are identified and discussed. Extensive bibliography and index.

climbing plants

Zip Flower provides flowers directly from its farms in Colombia to hotels. Flowers are delivered within 48 to 72 hours after they are ordered and are packed in a vacuum sealed packing sleeve to keep blooms fresh.
Zip Flower provides flowers directly from its farms in Colombia to hotels. Flowers are delivered within 48 to 72 hours after they are ordered and are packed in a vacuum-sealed packing sleeve to keep blooms fresh.

flower guide

Architectural Products by Outwater LLC Outwater offers high-density polyurethane Surface Mounted Niches that can be installed without having to cut a hole in the wall The niche is comprised of two keyhole recesses embedded on its back surface and can be mounted or hung utilizing traditional picture-hanging hardware and techniques. Primed in soft white, Surface Mounted Niches are suitable for painting, glazing or faux finishing.
The beverage milk business has come a long way, but sales data tell us there is a lot more to do. Almost 10 years ago, I wrote a column for Dairy Foods that asked the question: Can milk be niched? Food marketing experts love to talk about the virtues of niche marketing and valued-added, specialty products. But the question remains: Is niche marketing appropriate for the fluid milk business? * Most milk was consumed at home, but consumers were spending more time and money in restaurants.
The parent corporation of Beverly Hills-based magazine L.A. Confidential has merged with two similar companies to create a portfolio of 16 upscale city publications. Niche Media. owner of Confidential, will combine with Nevada-based Greenspun Media Group and Ocean Drive Media Group in Florida. The unified operation will distribute more than 750,000 copies of its publications and produce more than 24,000 pages pet year. With an average of 5.9 readers pet copy, the titles will reach more than 4.4 million readers. Through quantitative and qualitative analysis, advertisers are assured that the majority of Niche Media readers maintain at least $250,000 annual household incomes, own homes valued at more than $1 million, and have liquid assets in excess of $1 million, according to the company.

niche