PROVO — A free home maintenance class will be held Wednesday at 5:30 p.m. at Habitat ReStore, 626 N. Freedom Blvd., for first-time homebuyers and other interested community members. The class is part of a five-session course offered locally by Habitat for Humanity of Utah County and Community Action Services. The course will be offered in its entirety every five months. No registration is required. Participants need only to come to the class. The course is sponsored by the Ashton Family Foundation. Contact Kena Mathews at 801-344-8527 for information.
Home Warranty Association of California Offers Guidelines VENTURA, Calif. — California home buyers, approximately nine out of 10 of whom apply for home warranty contracts at the time of a resale home purchase, can maximize the benefits of this product by adhering to proper maintenance guidelines suggested by the Home Warranty Association of California (HWAC). Lightfoot noted that air conditioning, furnaces, heat pump condensers, and water heaters comprise the major equipment items on which home owners should focus. These are the most costly items in a home and the ones likely to require proper maintenance, he said.
PROVO — Habitat for Humanity of Utah County and Community Action Services are teaming up to offer a free home-maintenance course for first-time homebuyers and other interested community members. The course is eight sessions and will be held monthly the last Wednesday of every month starting Sept. 27. Each session will focus on different ways to repair and maintain your home. Participants are encouraged to attend all eight sessions but may attend only the sessions they are interested in, as well. Those completing the entire course will receive a simple, step-by-step manual and a completion certificate. The course will be offered in its entirety every eight months.

Brisbane Carpet Cleaning

NOT all scaffolding is alike. Genex makes its scaffolding for train and overhead power line maintenance from glass fibre, which is claimed to offer advantages for its dielectric qualities, colour, and resistance to degradation. Genex, Italy. [ILLUSTRATION OMITTED]
Designed and built with convenience in mind, the Scaffold pallets give you a quick and easy way to move scaffolding from job to job and a convenient way to store your scaffolding when not in use. We have several different models to choose from. Please contact John Schuckman Enterprises, Salina KS 785-826-9289, fax: 785-820-8132 [ILLUSTRATION OMITTED]

Scaffolding Erectors

TGS Imaging
FME Workbench is a graphical interface that allows users to develop custom translations. FME Plug-In Builder API is an application programming interface that allows users to add new data formats and processing capabilities to the FME core. FME Objects API is an application programming interface that allows users to add reading, writing, and processing capabilities to applications. FME Themes for ArcView is an ArcView extension that gives users direct read and view access to supported data formats.

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Fashion/Lifestyle Editors
Business Editors Cutter Buck Inc. (NASDAQ:CBUK) today announced that it has signed a license agreement with Leeds, Inc., a Delaware corporation, to license the Cutter Buck brand for casual bags and small leather goods.
Bagmaster introduces its new line of handsome, rugged butterscotch color leather Range Bags, Pistol Pouches, Bullet Bags and Pistol Cases. Leading the line is the Pro Shooters Bag, which features two removable pistol pouches that are lined with Sherpa fur and surrounded by a half-inch high density foam core. The main compartment measures 7-1/2″ tall, seven inches wide and 16 inches long with double zip top entry. Other features include heavy-dutynylon zippers, metal hardware, one-piece wrap around web handles with leather handle wrap and non-slip cowhide leather shoulder strap.

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BUTCH FELKER Mayor Butch Felker, right, leaves the office of District Attorney Robert Hecht with his attorney, Mike Francis, after Fridays meeting.
POWER OF ATTORNEY B 6709 P 1534 _ Mattie Adell McAuliff to Darla D. Miller, .
POWER OF ATTORNEY B 6710 P 1936 _ Lloyd A. Henry to Billie Jean Nolder.

Seattle Attorneys

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Bean Sheller

Acupuncture is considered a form of treatment or therapy. However, acupuncture practitioners believe that acupuncture may be most successful when it is applied as an early intervention for symptoms or conditions. It may be that acupuncture can prevent some symptoms and conditions from becoming worse or chronic. More research is needed to define the preventive value of acupuncture. Acupuncture can alleviate depression The Detroit News, Oct. 23, 1998. (referencing a report in the Sept. 1998 Psychological Science) http://detnews.com/1998/nation/9810/23/10230137.htm. Accessed May 2000.
Acupuncture as a therapeutic intervention is widely practiced in the United States. An estimated 15 million Americans have undergone acupuncture, and about five million undergo the treatment each year. People may find the procedure painless, although some points in some patients may be quite sensitive. Depending on your practitioner, the needles may be twirled or warmed. There are many state acupuncture organizations, and many states also have acupuncture regulations and codes. Almost every state has a State Acupuncture Board, and there are more than 50 accredited schools of acupuncture in the U.S. Widely practiced around the world, especially in Asia (the practice originated in China) and Europe, acupuncture didnt gain a notable following in the U.S. until the 1970s, after President Richard Nixons visit to the Peoples Republic of China. James Reston, a member of the press corps accompanying Nixon, also piqued public interest when he wrote about how physicians in Beijing eased his post-surgery abdominal pain with needles. Acupuncture has been gaining popularity in the U.S. ever since.

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J.C.H. Mounsey London SW13
Summers almost here, and the future looks bright. So freshen up your beauty regime for the most colourful season in the fashion calendar. In this weeks 12-page special section, Carola Long meets Bobbi Brown, make-up guru to Hollywoods best-dressed stars, and hears her essential summer tips; Beth Dadswell takes a walk on the wild side, and discovers a brave new world of extreme make-up; while Gemma Hayward selects the new seasons must-have products for her and for him THE SCENE backstage at the Sass Bide show at New York Fashion Week is one of glamorous chaos. There are models scrambling into clothes, production staff testing sound and lighting to dramatic, somewhat cacophonous, effect and even an MTV crew filming an episode of a teen drama. Amid this frenzied activity, a petite woman in jeans with hair the colour of black coffee, who looks like a quietly glamorous “mom”, is providing the calm centre of the fashion storm. Bobbi Brown, renowned make-up artist to everyone from Sienna Miller to Susan Sarandon and founder of a successful, eponymous cosmetics brand, radiates a most un-fashiony serenity as she demonstrates the maquillage she has devised for the show on a model. She dabs at her face almost like a Renaissance painter, palette in hand, before her “elite team” of make-up artists from around the world set to work on recreating the effect.

Corrective Hair Color

Going Public Means Baring All Taking your company public may bring growth — and pay dirt — but be ready for risks, revelations and regular reports to the SEC. By James Greiff Like the old pop songs girl in the yellow polka-dot bikini, a company that sells stock to the public for the first time cant help revealing a lot.
Eugene, Ore.-based Caffe Diva is a chain of drive-through coffee cafes. In October 1997, the company filed a Small Corporate Offering Registration (SCOR) with the Securities Exchange Commission (SEC) in an attempt to raise $1 million, the annual limit that companies can raise through a SCOR offering. According to Ron Davis, a principal of Caffe Diva, the money was needed to expand the companys concept from the Pacific Northwest into national markets.Two years ago, we opened our first kiosk, and by early 1997we had four in Lane County, Oregon, Davis said. But growing into other geographic areas takes money — lots of money. We considered many options. Banks were of little help. Angel investors wanted a substantial stake in the business, board membership, and veto power over expenditures and site selection. We didnt want to turn control over to outsiders. Finally, after investing two years and virtually all of our capital, a DPO (Direct Public Offering) through a SCOR seemed to be a better — and perhaps our only — option.Davis and his partners first learned about the SCOR program by reading a DataMerge advertisement in the Wall Street Journal that read, Do-It-Yourself DPO. Most of us have attempted a home remodel or oil change. Why not a direct public offering, Davis said.

do it yourself publicity

Cut out the game board and all the blue ribbons. Each player needs a marker to use on the game board. Buttons or dried beans work well, as long as each player has a different color or variety, so its easy to tell the markers apart. Players will also need a coin to toss to see how far each person moves on his or her turn. Keep taking turns until everyone reaches the FINISH square. The player with the most ribbons wins the game.
Children are more susceptible to exposure of environmental toxins because they consume more food and water and have higher inhalation rates per pound of body weight than adults. Recent research by the U.S. Environmental Protection Agency (EPA) indicates that inhalation is a significant route of exposure to chemicals that are associated with endocrine disorders, reproductive and developmental toxicity, asthma, and allergies. Due to these factors, the GEI has established strict controls to define low-emitting materials specifically for educational and learning/play environments for young children. PolyVision is extremely pleased to be the first and only manufacturer in the industry to become GREENGUARD Children and Schools Certified, said Mike Dunn, President and CEO of PolyVision. In this day and age we understand so much more about all the characteristics that go into leading a healthy lifestyle. Its no longer just an added bonus to incorporate healthy products into environments where children spend 8-12 hours of their day - its a necessity. Given a choice, why wouldnt facilities choose products that are best for the health of kids? To become GREENGUARD Children and Schools Certified, PolyVision engaged in multiple indoor air quality examinations during which emissions testing was performed on all products in each certification category to determine that the products comply with the emissions level set. This process is ongoing and PolyVision will undergo quarterly and annual confirmation testing of all products represented in each certification category.

Marker Boards

Denver bound?
Ask an expert A Colorado Springs woman who decided to drive to Denver instead of flying the first leg of her trip to Chicago showed up at DIA only to find her entire trip had been canceled by the airline. How did this happen? Local travel agent Tim Lange gets asked questions like this all the time. Hes a member of the Rocky Mountain Chapter of the American Society of Travel Agents, and if he doesnt have an answer, hell find one.

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Byline: Peter Francese For many Baby Boomers and some of their parents, theres no place like a second home. In fact, one of the hottest segments in real estate is second-home development, in which well-appointed occasional-use or vacation residences typically sell for $300,000 to $1,000,000. Based on our estimate of more than 6 million second homes in this country, spending on these residences exceeds $19 billion a year (a 46 percent increase from 1995). And that total doesnt include the initial costs of buying and furnishing the home. Over the next decade or so, because many Boomers (now 39 to 57 years old) will enter the prime life stage for buying a second home, the high growth rate in spending on such real estate should continue.
After reading about second homes in the March issue (The Good Life, page 76), here are my thoughts about this market. After the tragedy of Sept. 11, 2001, another pattern has become more pronounced. In past years many of our clients building South Carolina vacation homes were from Connecticut, New York, and New Jersey, as well as Boston. Since that terrible day we still see the people in this market building vacation homes, but more of them are doing so closer to home. Our Rhode Island office has seen an increase in vacation home business while our South Carolina office has seen a decrease. Owners would rather drive a few hours to their vacation home than have to fly there. As far as design trends are concerned, the vacation homes we design in Rhode Island ate definitely for the entire family and not just for the husband and wife, which is more common with our Southern projects. The vacation home communities in Rhode Island where weve worked are places that the same families have been going to for decades or generations. In South Carolina the communities are new, and there is not the same sense of attachment to the place or the same sense of community.

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STRAIGHT TALKING And then along came AC135 to disrupt the peace. This statement is applicable to years commencing on or after 1 April 2001 (it was not meant to be an April Fools Joke!). As most private companies have year-ends dated end of February, this statement has to be applied to them as from 2003. Who says that it has to be applied? Well, if you go to circular 8/99 you will find that the directors have a free choice. They can either comply with Statements of GAAP or with generally accepted accounting practice, also known as little gaap. If the directors go the big GAAP route, they will have to fully comply with AC135 under penalty of a qualified audit report. If they go the little gaap route, they will have to disclose extensive information in a note to the financial statements setting out why they did not comply with AC135, what they did and what the effect of not complying with the statement was.
ENCOUNTERING risks is a part and parcel of life. For investors, risk management is a significant challenge and a test of inherent patience. Taking calculated risk is the result of effective strategic planning, not of rampant speculation. If we choose to see them for what they are, then investing with a certain amount of risk can be an enriching experience, and I am of the opinion that managed risk can be part of our strategies for long term and profitable investment. I am certain that the countrys positive image of a fast-growing yet stable economy is the driving factor in keeping property and real estate prices within our shores from over-escalating, and this will continue to create an ideal environment for long-term investment opportunities for both local and foreign investors.

Property Investment Queensland

feature the motorcycle and scooter show Look past the models in scanty clothing, says Tim Luckhurst, and the bikes might grab your attention Deciding whether to attend the annual Motorcycle and Scooter Show at Birminghams NEC is not an easy call for grown-ups. But it is particularly hard for the many women bikers who do so much to make modern motorcycling civilised.
I am nominating Natasha Karlin, 15, for Youth of the Day. Natasha is a sophomore at Shawnee Heights High School. She is in the school orchestra and has been playing the violin since third grade. She is a brown belt in Kempo karate, and is a dirt bike motorcycle rider. She recently successfully completed a motorcycle safety course and is now able to ride street legal motorcycles with the rest of us. She has her learners permit for vehicles, as well as motorcycles. Of course, she wants a car, typical of a kid her age. She is meticulous about her hair and clothes. She loves her music - — all kinds except country — and Seventeen magazine. She aspires to be a model some day.
Sheena Pasko, try as she might, cant get all the grease out from under her fingernails when she goes on a date. That grease comes from the Harley-Davidson motorcycles she works on. Pasko, 20, is a mechanic for Pikes Peak Harley-Davidson. Pasko is part of a growing trend: women on motorcycles.

Motorcycle Clothing

H UNTING As a human activity, hunting is magnified in its significance by a deceptively simple feature: the evasiveness or resistance exhibited routinely by prey. Because of the behavioral challenges that it presents, hunting has had far-reaching consequences for key aspects of human social, psychological, and cultural life. Since the mid-1960s, for example, anthropologists have argued that hunting may have been a powerful and fundamental force shaping the very nature of cooperation and sharing among early humans.One such claim involves what the behavioral ecologist Bruce Winterhalder calls the risk reduction hypothesis. The failure rate of hunters is notoriously high. Even among experienced, highly skilled subsistence hunters who pursue big game animals, any one hunt is much more likely to result in failure than in success. Studying the Hadza of Tanzania in 1993, the anthropologist Kristen Hawkes reported that when hunting big game, Hadza men failed to make a kill 97 of every 100 days that they hunted. When a large game animal is killed, it often represents a windfall in excess of what any one hunter and his or her immediate family can consume. These circumstances promote reciprocity and sharing among hunters. By sharing the meat provided by a successful kill, a hunter effectively buys insurance against failure in future hunts. When, in the future, he or she fails to kill prey, other successful hunters with whom meat has been shared previously will reciprocate and provide meat to the unsuccessful hunter. The science writer Matt Ridley argues that the cooperation and reciprocity associated with hunting may help constitute the basis of systems of moral and ethical culture. In short, hunting is an activity that promotes cooperation and sharing because it entails the pursuit of a highly valued resource, access to which is unpredictable and risky.
You must be able to give your PIN number, your list of players - and dont forget to give your name, address and a daytime telephone number.
By Lindsey Geisler The Governors Annual Easter Egg Hunt was anything but a sure bet this year. Storms that raged Friday night threatened to continue into Saturday. That would have forced the event to move to a downtown parking garage where candy would have been handed out.

Drop Camp Elk Hunting

NEW YORK — Anyone whos self-employed knows what a headache it is finding affordable health care coverage for themselves and their workers. Medical savings accounts, or MSAs, were established earlier this year through the federal Health Reform Act of 1996 as sort of an experimental remedy to help control costs. The accounts combine a high-deductible insurance policy with a tax-sheltered savings account that can be used to pay out-of-pocket medical expenses, like routine doctor visits or prescriptions. Over the next four years, up to 750,000 eligible taxpayers — those who run their own business and employees of companies with fewer than 50 employees — may set them up on a first-come, first- serve basis. Response so far has been tempered, despite the programs limited nature and the high praise from both financial and medical practitioners. Only a select group of banks and insurance carriers offer them right now. “Its slower than we would like,” said Dr. William T. Terry, managing partner for American Health Value Medical Savings Account in Boise, Idaho. The company has set up around 2,000 accounts nationwide since January in conjunction with First Federal Savings of Nampa, Idaho. Its goal is to have 100,000. But Terry and others think business will pick up soon as more financial institutions enter the fold and as individuals become more familiar with the concept and numerous perks. “Its a gangbusters plan for anyone who cant count on Medicare or other features of traditional medical planning,” said Robert K. Heady, publisher of Bank Rate Monitor, which is tracking these accounts. “Its a very good idea.” The most appealing part is the tax benefit. Annual MSA contributions are tax-deductible, earn interest tax- deferred and withdrawals tax-free so long as theyre used for medical expenses. Its a little like an individual retirement account — only better. In fact, some financial experts contend MSAs could supplement regular retirement accounts, like IRAs and 401(k) plans. Neither Congress nor the president intended it to be this way, but MSA holders dont even have to use money from the account for their uncovered medical bills. They can keep it there until they retire, and once they turn 65 withdraw the funds for any purpose without being hit with the 15 percent penalty tax the federal government imposes. (Of course, not everyone can afford to do this, unless they never get sick or have other funds to drawn on.) Eclipse MediSave America, an MSA servicing company, calculates that a family making a $3,375 annual MSA contribution (the maximum allowed under federal guidelines), and earning 8 percent interest a year could accumulate $1.4 million in the account over 45 years. Even if they withdraw $1,000 a year, they still would accumulate $991,000, it says. Most MSAs offer rates of return of 4 percent to 5 percent right now, which is still better than the average passbook savings account rate of 2.3 percent and money market account rate of 2.6 percent. American Health Value has 4.5 percent savings rate after a one- time setup fee of $19.25, plus a $2.50 monthly maintenance fee. Another key player, Golden Rule Insurance in Lawrenceville, Ill., affiliated with Northern Trust in Chicago, pays out 5 percent, has a $10 setup fee and $3 monthly maintenance fee. A few accounts offer or plan to offer more aggressive investment opportunities through stocks, bonds and mutual funds, which could yield higher returns. For instance, Mellon Network Services, a division of Mellon Bank in Pittsburgh, says MSA customers eventually can transfer some of their MSA funds into a Dreyfus brokerage account. Financial experts advise individuals to shop around before setting up an account, scrutinizing details of the savings-account portion of the MSA just as they would any other investment or savings plan. Everything else is pretty standard: The deductible on the health insurance policy must be at least $1,500 and no more than $2,250 for individuals and at least $3,000 and no more than $4,500 for families. The maximum annual contribution an individual or his or her employer can make is 65 percent of the deductible. A family has a 75 percent limit.
Disease-Specific Registries Enable Institution-Wide Collaboration in Research and Patient Care RemedyMDs Investigate[TM] solution integrates institution-wide data and provides the tools that physicians and researchers need to collect data to measure outcomes, provide more effective multidisciplinary care, and enhance research initiatives. Dr. Laura Cassidy, Director of Surgical Clinical and Outcomes Research at Medical College of Wisconsin, stated that in addition to data collection for the purposes of research and patient care, there is increasing pressure by governmental agencies, businesses, the public, and patients for reporting health care outcomes. In order to accurately report the work we perform, she said, we needed to adopt a proactive approach to data collection. RemedyMDs solutions are providing us with exactly what we need. The first disease registries being created focus on diabetes, scoliosis, urology, cleft palate, cardiothoracic, and general surgery. Many more are planned for the future. We look forward to a very productive relationship with the Medical College of Wisconsin, said Michael Malone, President and COO of RemedyMD. Investigate will play a pivotal role in their physicians mission to find new and better ways to care for ill and injured children.

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This natural salve speeds the healing process for minor cuts and burns. The Product: Ah-Mend by High Sierra Healing Products The Promise: The germ-fighting ingredients like honey, chamomile, lavender, and yarrow in this salve help prevent infections in minor cuts, burns, and abrasions so they can heal faster. And the aloe and marshmallow soothe, as well as heal, skin irritations.
By recasting clot-promoting protein fibers found in blood into a fine meshwork, researchers have devised a wound covering that may speed healing and never need removing. Gary L. Bowlin and his coworkers have produced mats of the protein, called fibrinogen, containing fibers just 80 nanometers thick. Thats comparable in thickness to natural fibrinogen fibers in peoples blood, says Bowlin, a biomedical engineer at Virginia Commonwealth University in Richmond. Bowlin and his coworkers created their mats from human or cow fibrinogen by modifying a process, called electrospinning, thats long been used in textile manufacturing. After dissolving the protein in a solution, the researchers applied an electric field that forced the fluid through a narrow nozzle toward a metal plate. While in the air, the fibrinogen threads dried and twisted, landing on their metal target like a delicate network of spaghetti. Increasing the protein concentration of the initial solution made the mats threads thicker; decreasing the concentration made the threads thinner.

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As your familys needs change, so should your home. This Dallas kitchen had been remodeled three times prior to this update to accommodate changing needs. Each previous owner was careful to stay true to the homes original design, and it was equally important to current residents Kathy and Sam Leake that they respect that tradition as well. They worked to open up the room-improving both the amount of natural light and traffic flow. Plus, attractive design details give the space a cozier feel. The kitchen now connects to the dining room through two doors that permit traffic to flow freely from one area to the other. “The openness changed the home from a 1950s ideal, where the kitchen was hidden from public view, to a contemporary floor plan that showcases this room as the heart of family and entertaining activities,” says architect Stephen B. Chambers, who worked on the new design.
KITCHENS: PLAN, REMODEL, BUILD, Creative Homeowner, $19.95, softcover, 255 pages, nearly 400 photos. If done right, a newly remodeled kitchen can add value to your home and create a functional, exciting living space. However, knowing what to remodel and where to start can frustrate even the most accomplished do-it-yourself homeowner. “Kitchens: Plan, Remodel, Build,” by Creative Homeowner, is the perfect tool for homeowners looking to remodel or update their kitchen; covering everything from design, color and layout to demolition and installation.
Call it catalytic conversion: remodeling cleaned up this small kitchen and helped it function more efficiently. Before, though the sink and most appliances seemed to be in the right places, there wasnt quite enough counter space. And heavy-looking painted wood cabinets and a crowded breakfast area made the entire kitchen seem cramped. For more comfortable seating, a built-in bench now wraps a corner of the eating area. The windows were restyled, with a new one added to the kitchens long wall; the breakfast areas section of this wall was pushed out about 1 1/2 feet.

Alexandria Kitchen Remodeling

I HAVE an image of perfect health: a young woman, sparkling white teeth, thick glossy hair, clear skin, thin and muscular. This “picture of health” has been produced and refined by my 10- year diet of the front covers of womens health magazines featuring beautiful young women with their flat stomachs and tanned bodies. It is also possible to be beautiful and unhealthy, of course, but the links between health and beauty are now so intertwined that it is difficult to distinguish between the two. For many of us going to the gym or attempting to drink two litres of water a day, “to be healthy”, is just a cover up for the relentless pursuit of beauty.
Forty-two percent of all respondents agreed that supermarkets “need less health and beauty and more unique groceries.” (25% agreed strongly.)

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Two of Virginias neighboring states, Maryland and West Virginia–each a longtime haven for outdoorsmen–are taking very different approaches to youth hunting. If passed, this bill will have a devastating effect on recruiting young hunters and the future of wildlife conservation in Maryland, said Rob Sexton, USSA vice president for government affairs. The bill is a deliberate attempt to sabotage the future of hunting. Parents, not the government, are far more equipped to know when their sons and daughters are ready to hunt. House Bill 655 has been referred to the House Environmental Matters Committee in Maryland. The devastating effect Sexton mentions not only damages efforts to introduce youngsters to hunting, but it also will impact the states economy.
It is difficult to write objectively and dispassionately of something about which one feels strongly, for or against. Tell me a mans a foxhunter and I loves him at once said Mr Jorrocks. Today he is more likely to be an object of censure, Mr Jorrocks too. The future of hunting hangs in the balance, a prospect unthinkable to Will Ogilvie who wrote in the twenties:

Big Game Hunting

Bed rail with roomy compartment turns ordinary beds into convenient storage areas while providing support for getting in and out of bed. Adds a sense of security to people who are afraid of falling out of bed. Non-metal handle eliminates the static shock that can occur with metal bed rails and can be used for repositioning and turning in bed. Easy to install rail slides between mattress and box spring. Open space between handles is adjustable from 7 to 17 (17.8 to 43.2 cm). Bars extend 39 1/4 (101 cm) underneath the mattress. Fits twin, full, queen and king size beds. Strips of hook and loop attach to the bed frame for additional stability.
At the childrens hospital entrance,

Electric Adjustable Beds

Health is a measure of quality of life that is difficult to define and measure. In the 1940s, the World Health Organization (WHO) defined health as a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity. At the first International Conference on Health Promotion in Ottawa, Canada (1986), the Ottawa Charter for Health Promotion built on the WHOs concept and further defined health as a resource for everyday life. a positive concept emphasizing social and personal resources, as well as physical capabilities. Good health enables one to function independently within a changing environment.
The things some people will do for a white Christmas.

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Gasoline prices could ignite change for anglers Several days ago, Casey Kidder lamented that anglers around Topeka have been confounded this spring by a rather long spell of trying fishing and escalating gasoline prices. Kidder is a young, thoughtful and ardent bass fisher, and he also is a young journalist who lives on a limited budget. Consequently, the increase in the cost of gasoline has made a significant impingement upon his fishing budget.
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Local lenders for Washington Mutual Inc. have landed at other companies after the struggling Seattle-based mortgage company said it was closing four offices in Central Pennsylvania. Nationwide, Washington Mutual is closing 100 mortgage offices and laying off 2,500 workers in 17 states. Eighteen were employed in Central Pennsylvania. The company also is shutting down 53 commercial bank branches, idling another 850 workers. None of those branches are in Pennsylvania. Coyne suspected layoffs were on the way, given turmoil in upper management and the slowdown in the mortgage market. Nonetheless, he was surprised by the speed. “They told us we were going to go dark on Monday (July 28),” Coyne said.
The Whitehall team bought the buildings in 2000 from Pivotal Group and William E. Simon Sons Realty for $44.2 million. The three buildings, at 7500 North Dreamy Draw, 7600 North 15th Street and 7600 North 16th Street, are 55% occupied.
Meridian Capital Group recently arranged $29,200,000 in financing for 29 West 35th Street, a 78,000 s/f office building that is currently 31% occupied. David Hayum and Rael Gervis of Meridians New York headquarters negotiated to secure a rate of 7.47% over a two-year term. The loan was over 95% of the purchase price. The company is based in New York City with additional offices in New Jersey, Pennsylvania, Maryland, Illinois, Florida, California, and Texas. Working with a wide variety of lenders, Meridian finances transactions ranging from $500,000 to more than $500 million for multifamily, co-op, office, retail, hotel, healthcare, self-storage, industrial, and construction properties. Nationally, Meridian reported more than 2,500 transactions in 2006, totaling over $17 billion.

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New Internet Domain Will Aid in Job Recruiting and Hiring The new domain will make it easier for candidates to find and apply for jobs and let companies fill positions more quickly. After registration and other procedures are established, the first Jobs websites could appear in late summer or early fall 2005.
An exclusive Drug Store News survey of store managers shows they love their work, but most think they could use some helpStore managers love their jobs and enjoy interacting with customers and staff, but they are frustrated with their schedules, the compensation they receive and the lack of manpower in their stores.These are among the findings of Drug Store News first survey of drug chain store managers.Drug Store News asked store managers and assistant store managers how satisfied they were with their jobs, what they liked most about their jobs, what they liked least about their jobs, how they feel about the information and support they get from corporate headquarters and what they need to do their jobs better.
Not only was I mortified about that, but I was even more embarrassed after she told me I had just greeted her a couple of minutes before!

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“Pet owners have a very specific and passionate interest in their pets and
pet care, and now they have a single online resource to access detailed pet
care information about pet sitting
and pet sitters , both locally and
away from home. With a few simple clicks, pet owners can search for local
pet sitting businesses or pet sitters. As the website is searchable by zip
code and provides detailed maps (generated by Yahoo!), pet owners can use
the site to find local pet sitters or a pet sitting business located near a
travel destination,” states MyPetCare.com spokesman Lewis Geffen.

“Pet sitting is experiencing rapid growth. Last year consumers spent $4.73
billion on non-veterinary pet care services, including pet sitting and pet
sitters, 32% more than just 5 years ago. We offer pet sitters and other
pet care providers a free tool to market their pet care business, a unique,
full-page marketing piece about their pet sitting business. Pet sitters,
pet sitting businesses and other
pet care providers can upload pictures or a corporate logo, detailed
business descriptions, a list of pet care services offered and more.
Creating a pet care business profile is simple. It generally takes less
than 5 minutes. Moreover, pet
sitters can revisit the site at any time to edit their pet sitting
profile.”

It looks like our furry, feathered and finned friends wont be left out in the cold when it comes to the holidays. Forty million Americans will buy gifts for their pets this holiday season, according to the American Pet Products Manufacturers Association. Pet owners questioned in an informal survey by Pet Supplies Plus, a chain with more than 200 stores, said they plan to spend an average of $25 per pet. Pet owners can choose from an ever-growing array of products: gourmet treats, holiday apparel and hightech toys.

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Domestic commercial banks reported a further easing of lending standards and terms for commercial and industrial (CI) loans and commercial real estate loans during the prior three months. At U.S. branches and agencies of foreign banks, in contrast, lending standards and terms for these types of loans were little changed during the same period. On net, domestic banks experienced stronger demand for CI loans during the past three months, while foreign institutions indicated that demand for business loans was about unchanged. Both domestic and foreign institutions reported stronger demand for commercial real estate loans, on balance. A notable net fraction of domestic respondents reported stronger demand for loans to purchase homes during the past three months, while a small net percentage of banks also experienced a strengthening in demand for consumer loans. On net, credit standards for residential mortgages and consumer loans were about unchanged in the July survey, but a significant proportion of respondents indicated increased willingness to make consumer installment loans.
Loans are an important part of your business. You want to encourage your loan officers to generate increasing numbers of quality loans for your credit union. What can you do to boost performance, raise the numbers and invigorate your staff? Many credit unions turn to incentives. * A flat, per-file incentive. “I like it because its easy to track, but I dont like it because it doesnt reward them for selling up a higher loan amount. * A percent of the average yield. “This ensures they dont give away rate if you allow some rate matching flexibility or if they can barter buying down rate with points. The only problem with this is that they might try to sell a higher rate to get more incentive and that isnt in the members best interest. If we give loan officers some discretion to match a competitors rate, the loan officer might be tempted to always reduce our rate and give the member a lower rate all the time rather than only when they need to match a rate. If we pay incentives based on the average yield, they would be affecting their incentive by matching rates all the time. This structure would ensure that they offer our posted rates and only match rates when there really is a competitive offer.”
Southwestern Bank and Trust Co. plans to open a loan production office in the Waterford Office Complex this week to boost its presence in north Oklahoma City. That branch “has actually been very successful, and thats the reason for opening this Waterford office — to give us more of a presence in north Oklahoma City,” said Thomas W. Parrish, president and chief executive officer of the bank. Southwestern Bank “has a number of customers out in that area. Our MegaMarket branch was designed to accommodate the loans and deposit needs in that area of Oklahoma City. This (Waterford) office gives us additional room where we can have more of a private banking relationship with our professional and business customers in north Oklahoma City,” Parrish said. The bank will not be allowed to take deposits or close loans at the Waterford office. Customers must go to a branch to do that. The loan production office will focus on business and professional customers, alternative investments and residential mortgages, he said. The banks alternative investment department, in coordination with PrimeVest Inc. of St. Cloud, Minn., will focus on selling annuities and mutual funds. PrimeVest represents more than 800 banks throughout the U.S. in investments. The Waterford office will have two employees. Suzanne Baxter will be the office manager of the Waterford location. The new office will be a place “where we meet our clients and customers to discuss their banking business,” he said. Southwestern Bank, with headquarters at 6000 S. Western Ave., also has an in-store branch at 7501 S. Walker Ave. People Robert P. Flack has been elected as a director of Lincoln National Bank. Flack is president and chief executive officer of Kona Restaurant Group Inc., the operator of Kona Ranch Steak House and Carinos Italian Kitchen with restaurants located in six states. He also serves as director for International Franchise Systems, Red Hot Concepts Inc., Red Hot Pacific, Business Development Services and advisory director for the School of Human Sciences of Oklahoma State University. Flack is a graduate of Hamilton College and attended law school at Syracuse University. The FM Bank Trust Co. in Tulsa has elected Robert R. Gilbert III as president and chief operating officer. Gilbert succeeds Bruce Raines, who recently retired after 15 years in that capacity with the bank. Most recently Gilbert served as executive vice president/commercial lending of the bank and its parent, FM Bancorp. He also serves on both boards. Gilbert began his banking career in Tulsa with the First National Bank Trust Co., serving various roles in his 14-year tenure including acting chief executive officer. He moved to the First National Bank Trust Co. in Oklahoma City in 1979. He became chairman and CEO of First City Bank of Dallas. Three years later, he returned to Oklahoma to serve as chairman and CEO of Western National Bank of Tulsa, which merged with Bank IV Oklahoma in December 1993. In 1994, he became executive vice president of Bank IV. Robert W. Bishop has been named vice president in the commercial services department with The First National Bank of Midwest City. Bishop has more than 23 years of sales, finance, loan origination, marketing and customer service experience. Marilyn F. Chambers has joined Local Federal Bank as vice president and regional manager. Most recently, Chambers was vice president and regional manager for MidFirst Bank in Oklahoma City, where she worked for more than 12 years. In her new position, she will oversee and manage production and service of most of the Oklahoma City metro, Elk City, Edmond, Clinton and Weatherford branches. Kelly Nemecek has joined the loan department at McClain County National Bank in Purcell. He will specialize in Small Business Administration and student loans. OBA Compliance School Fifty-two bankers recently completed the Oklahoma Bankers Association Compliance School at Oklahoma State University in Stillwater. The school, held Aug. 18-23, was designed to help students cope with a variety of laws and regulations that impact bank lending practices and deposit functions. Students learn how to plan, implement and manage compliance programs and prepare for compliance examinations by regulators. The school covered compliance with the Community Reinvestment Act, real estate regulations and requirements related to financial privacy, truth-in-savings, fair debt collection and credit reporting. Area bankers who attended were: Dana Roten-Hornbeck, BancFirst, Guthrie; Kelly Foster, Vicki Gibson, Keith McIlhaney, Sheryl Parizek and Cathie Wythe, BancFirst, Oklahoma City; Rick D. Davenport, Kenny Josey, Kay Hobbs Turpin and Shelly L. Whitney, BancFirst, Stillwater; Rhonda Coffman, Bank of Commerce, McLoud; Cynthia E. Green, First National Bank of Midwest City; Steven McDaniel, Republic Bank, Norman; Sherry Boland, Union Bank and Trust, Oklahoma City; and Shelley Jones, First American Bank Trust Co., Purcell. Other attendees were: Ann Roberson and David N. Young, Citizens Bank of Ada; Glenda Howard, Farmers State Bank, Allen; Arline Nelson, First National Bank, Antlers; Aaron Jackson, First National Bank Trust Co., Ardmore; Keith Estes, Arkansas Valley State Bank, Broken Arrow; Shaila Day, First State Bank, Camargo; Penny Clift, Security State Bank, Cheyenne; and Channing Graft, The Bank of the West, Clinton. Others were Pam Foster, BancFirst, Coweta, Jenks and Glenpool; Michael O. Williams, First Bank Trust Co., Duncan; Linda Brezina and Lori Miller, The Security National Bank of Enid; Carla Kromer, Great Plains National Bank, Hollis; Michael Ray, City National Bank Trust Co. of Lawton; Katharina Stahl, Security Bank Trust Co., Lawton; Jason Hendrickson, Bank of Locust Grove; Amanda Few, BancFirst, McAlester; Rhonda Edmonds, First National Bank Trust Co., McAlester Rhonda Farrimond, BancFirst, Madill; Vickie Counts, The Morris State Bank; and Pam Hinkle, Okemah National Bank. Others were: Barbara Bailey, Citizens Bank and Trust, Okmulgee; Mary Ann Dorton, First National Bank Trust Co. of Okmulgee; Lori Pierce, Exchange Bank Trust, Perry; Jean Whigham, Poteau State Bank; Lisha D. Scifres, Ringling State Bank; Sandy Johnson, BancFirst, Seminole; Linda Robison, Southwest State Bank, Sentinel; Amy Prather, BancFirst, Sulphur; Carla Hulsey, First State Bank, Tahlequah; Connie Cope, Dewey County State Bank, Taloga; Dianne R. DeWinter, First National Bank, Texhoma; Derek W. Lopp, Citizens Bank, Tulsa; Ann Johnson, Stillwater National Bank Trust Co., Tulsa; Kristi Noland, Walters Bank Trust; and Tina L. Cruse, First American Bank NA, Woodward. Also in attendance were: Cathie Choate and Robin May, American Bank Systems, Oklahoma City; and Ann Piirainen, BankSouth Services, Lawton. Jessica Danker welcomes your comments and contributions. Reach her at (405) 278-2844, by fax at (405) 278-2890, or by e-mail address, dpage

Loan Officer Training

New Employment Section Weve completely reworked the ICABC websites employment section. To find the employment section, click on “Employment Services” near the top of the menu under “ICABC.” Members and non-members can now post jobs for free using our handy online “Post a Job” form. To access the form, click on the Post a Job option under Employment Services.
Also, Gov. George Pataki vetoed the prevailing wage notification bill that would have required employers to inform employees what the prevailing wage is on their jobs. A notice would be enclosed in workers first paychecks, but Pataki said the requirement would have been onerous for some employers. The sponsor of the measure, Westchester County Assm. Richard Brodsky, said Pataki was turning a blind eye to workers rights. The measure was unanimously approved by both houses.
Melanie McCabe began working in 1971, but she didnt have a real job interview until two years ago. A teacher at Sherwood Forest Elementary School in Winston-Salem, she applied for a summer position in 1997 through a program called Educators in the Workplace. When Wake Forest University Baptist Medical Center invited her in, she thought it was just for a casual “getting to know you” chat. She found herself in her first formal interview instead. McCabe says the experience helped her realize what skills her students need to prepare for the workplace. Sometimes its something as basic as making eye contact in conversation. Thats what Educators in the Workplace is all about. It exposes teachers to the business world by placing them in summer jobs. Then they can make changes in their classrooms to better equip students.

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“Pet owners have a very specific and passionate interest in their pets and
pet care, and now they have a single online resource to access detailed pet
care information about pet sitting
and pet sitters , both locally and
away from home. With a few simple clicks, pet owners can search for local
pet sitting businesses or pet sitters. As the website is searchable by zip
code and provides detailed maps (generated by Yahoo!), pet owners can use
the site to find local pet sitters or a pet sitting business located near a
travel destination,” states MyPetCare.com spokesman Lewis Geffen.

“Pet sitting is experiencing rapid growth. Last year consumers spent $4.73
billion on non-veterinary pet care services, including pet sitting and pet
sitters, 32% more than just 5 years ago. We offer pet sitters and other
pet care providers a free tool to market their pet care business, a unique,
full-page marketing piece about their pet sitting business. Pet sitters,
pet sitting businesses and other
pet care providers can upload pictures or a corporate logo, detailed
business descriptions, a list of pet care services offered and more.
Creating a pet care business profile is simple. It generally takes less
than 5 minutes. Moreover, pet
sitters can revisit the site at any time to edit their pet sitting
profile.”

The book opens with an overview of pet therapy. The first chapter outlines the values of pet therapy programs using examples from previous pet therapy programs. The contribution that pet therapy can make to quality of life is addressed. According to editors Margaret N. Abdil and Denise Juppe, individuals who interact with pets begin to trust and use positive affection more freely. Pet therapy also promotes socialization, improves self-esteem and security, and provides entertainment and acceptance. Chapter 2, The Masonic Home of New Jersey, presents an in-depth case study that outlines a successful pet therapy program. It discusses the implementation process and emphasizes the continuous growth possibilities of this particular program. In addition, this chapter briefly discusses patients with Alzheimers disease and the positive effects from a pet therapy program.

Online Dog Training

Microsoft has tweaked its search service so that paid-for results dont automatically appear to users queries. The move is an attempt to bring their service into line with successful non-commercial search sites such as Yahoo and Google. Microsoft uses Yahoo search technology for its service but is planning to introduce its own technology later in 2004.
GRAND RAPIDS, Mich. — An investigation of cleaning crews working at a northern Michigan resort has led to federal fraud and tax charges being filed against three top officials at a nationwide janitorial service and the arrest of more than 200 illegal immigrants around the country, government officials said. The detainees — mostly Mexican nationals — who were rounded up early Thursday were working as janitors for Rosenbaum-Cunningham International Inc., or RCI, a Florida-based cleaning contractor. “This is not a case of bad bookkeeping or skirting the rules,” said Brian M. Moskowitz, special agent in charge of the Detroit office of U.S. Immigration and Customs Enforcement. “It involved flagrant criminal behavior.”
PBCs full service commercial cleaning services operation is built upon an unwavering commitment to its customers and employees. The company comprehends the benefits of continuously seeking technological advances in the industry, instilling passion and pride in the work force, and advocating a clean and healthy workplace. The PBC approach of “partnering” with its customers and the companys employee centric vision form the optimal platform for providing unparalleled custodial services throughout the PBC portfolio of customers. PBC services a variety of property types including Class A and B office buildings, corporate campuses, big box retail facilities, medical facilities, government buildings, educational facilities, and industrial properties. The company differentiates itself in a price-sensitive, competitive industry with value-added services such as repair and diagnostic notifications, emergency and “on-off” services, “clean-room” (controlled access) cleaning, customer satisfaction surveys, green environment programs, and recycling programs. Close relationships with facility and property managers have fostered a high level of customer loyalty and communications channels that prompt service delivery that meets the customers expectations and preferences. PBCs philosophy is to take the lead on many initiatives, outdistancing our peers. The companys culture of adopting “best practices” has provided a strong foundation to achieve industry prominence. Recognized in industry circles as the leader in the “Green Cleaning” movement, PBC is positioned to form cutting-edge partnerships with its customers who benefit from the most current technology and industry innovations. Leveraging its “Green Cleaning” programs, PBC facilitates a healthier workplace and a mutually beneficial custodial relationship - oftentimes resulting in increased employee productivity and lower rates of absenteeism in facilities serviced by the company.

London Cleaner

Lucent Technologies Microelectronics Group claims it has a better approach to the packaging of its new Firewire chip. Last week the company announced a new IEEE1394A FireWire physical layer interface (PHY) chip with a smaller footprint than similar devices on the market. The three-port, IEEE-1394-A-compliant physical layer interface IC, called FW803, is housed in a 64-pin thin quad flat pack (TQFP). The device provides a powerful combination of small size and low power that helps reduce final system costs, he said. Design engineers can use the chip to create new applications for PCs, workstations and consumer electronics; because it dissipates less than 0.6 watts during normal operation, it can further increase design options for portable PCs or other compact, battery-powered systems, Lucent noted. The chip will be sampling in June, and is expected to be generally available during 3Q98. Pricing in quantities of 10,000 will be $5 per unit. Other volume pricing options are also available.
Vicor Corp. has licensed its patented reset technology and related know-how in its power conversion products to Nagano Japan Radio Co., Ltd. (NJRC), a subsidiary of Japan Radio Co., Ltd. (JRC). The agreement gives NJRC nonexclusive rights to use Vicors products. Under the patents license agreement, NJRC is granted worldwide rights to manufacture, use and sell standard, custom and high-density DC-DC converter products which incorporate technology covered by Vicors reset patents. Vicors reset technology, also called active clamp technology, enables design of zero-voltage switching power converters which are smaller and more energy efficient than conventional power supplies. NJRC has also entered into a know-how agreement under which it acquires non-exclusive rights to, and training in, Vicors know-how with respect to the reset technology. NJRC designs, develops and manufactures power supplies, radio communication equipment, office automation and other electronic equipment, and electronic components and sensors, and is headquartered in Nagano, Japan. The Panda Project Inc. will work with Chip Supply Inc. for product support and marketing of Pandas PQFP-B semiconductor package, VSPA. Chip Supply is a privately owned company located in Orlando, Fla. and is the premier semiconductor die distributor and value-added die processor. The target customer market includes high-reliability aerospace, military, medical, industrial and commercial systems. Panda and Chip Supply will cooperate in marketing and final assembly of VSPA packages and known good die to provide high value solutions to the electronics industry. Initial projects include work on Sharps DSP-9142 chip, Cyrixs 6×86MX chip and Motorolas PowerPC chip. Chip Supply will provide assembly and testing of its die and interface with its customer base on both single and multichip modules. Chip Supply will also be qualified to handle production orders for VSPA as a Certified Assembly Center. With the access to the die at Chip Supply, and Pandas expertise with both systems level design and an intimate knowledge of VSPA, the results could be very interesting, said Stanford W. Crane Jr., president and CEO of Panda. Nanopierce Technologies Inc. announced it will acquire San Diego, Calif.-based Sigma 7 Corp., which manufactures advanced memory solutions for the PC market and commercial and industrial applications. Intercell Corp. currently owns Sigma 7. The deal is expected to be complete before the end of this month, the companies said. Paul H. Metzinger, president and CEO of Nanopierce, said this acquisition makes Nanopierce a revenue-generating company and enhances Nanopierce Particle Technology. Following a recapitalization of Sigma, Nanopierce will issue approximately 2,500,000 of its restricted common shares to the common shareholders of Sigma, and Series B Convertible Preferred shares, convertible into at least 6,500,000 common shares at $0.70 per share, to Intercell Corporation. The transaction is valued at approximately $11,000,000. After closing, Nanopierce will have 14,600,000 common shares outstanding. Nanopierce owns 10 patents, seven patent applications pending, two patent applications in preparation, and other intellectual properties relating to the Nanopierce Technology Material, which was designed to provide an electrically and mechanically reliable interconnection method for high-density circuit board components without using metal pins and solder techniques.
PACKAGINGPrior to World War II, packaging was used primarily to surround and protect products during storage, transportation, and distribution. Some packages were designed with aesthetic appeal and even for ease-of-use by the end consumer, but package design was typically left to technicians. After World War II, however, companies became more interested in marketing and promotion as a means of enticing customers to purchase their products. As a result, more manufacturers began to view packaging as an integral element of overall business marketing strategies to lure buyers.This increased attention to packaging coincided with socioeconomic changes taking place around the world. As consumers became better educated and more affluent, their expectations of productsand their reliance on themincreased as well. Consequently, consumers began to rely much more heavily on manufactured goods and processed food items. New technologies related to production, distribution, and preservatives led to a massive proliferation in the number and type of products and brands available in industrialized nations. Thus, packaging became a vital means of differentiating items and informing inundated consumers.

Packaging Machines

The professional Rio Salon Laser Hair Remover system effectively removes unwanted hair from face, under-arm, bikini line and legs. Fully approved to British Safety standards, the easy-to-use system uses advanced photo-thermolysis to zap the hair folicle with a targeted laser beam, destroying the root without affecting the surrounding area. This can completely clear an area of hair after a few treatments (results will differ - some stubborn hair may need ongoing treatment). On offer for the remarkable price of only pounds 99.95 inc pp. Order today and save pounds pounds pounds s on expensive salon treatments.
Michael Law MD Aesthetic Plastic Surgery Introduces a New Device for Virtually Pain Free Laser Hair Removal RALEIGH, N.C. — Raleigh laser center provides painless laser hair removal. Michael Law MD Aesthetic Plastic Surgery introduces a new device for virtually pain free laser hair removal. A new development in laser hair removal technology makes laser hair removal virtually pain-free.

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Jerry Long
Terry Simnitt Terry Simnitt has joined Coldwell Banker Griffith Blair, Realtors. He will be active in real estate auction and residential sales with his wife, Ruth, who also is an associate at Coldwell Banker Griffith Blair.
Jerry Long

Santa Monica Ca Real Estate

SAN FRANCISCO–(BUSINESS WIRE)–Oct. 8, 1999– Online business gift leader BravoGifts.com Friday announced a special offer providing business professionals with a free gift for their boss in honor of Bosss Day this Oct. 16.
SAN FRANCISCO–(BUSINESS WIRE)–Nov. 22, 1999– From the Experiential to the Unique, BravoGifts.coms Top 10 Gift List Represents the Best in Holiday Business Gifts
Business Editors Prime parking spots, years-of-service pins, and newsletter profiles are still business mainstays, but gift certificates have become the most accepted and appreciated way to motivate and reward employees. Corporations have turned to gift certificates not only for their flexibility and ease, but also to please employees and clients with diverse interests. Unlike fleeting recognition or a generic award, gift certificates are both useful and, when redeemed for merchandise, unique to each recipient.

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David Hayum and Rael Gervis of Meridians New York headquarters negotiated to secure a rate of 7.47% over a two-year term. The loan was over 95% of the purchase price.
Even in economic slowdowns, loans remain a major source of income for credit unions. Responding effectively to member loan requests requires credit unions to have sufficient quantity and quality of staff members to process and approve loans. This represents a substantial investment for any credit union; however, highly competent staff members in these positions can readily contribute far more than the cost of their salary and benefits. The key, of course, lies in having the right person in the job.

Loan Officer Training

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(This article was originally published in Lawyers Weekly USA, another Dolan Media publication).Several years ago, Benjamin H. Hill III defended a malpractice claim lodged against a Florida personal injury defense lawyer by the insurance company that had hired him.Hill, an attorney in Tampa, Fla., successfully argued that there was no direct attorney-client relationship between the defense lawyer and the insurance carrier, and the claim was dismissed.Today, however, Hill might have a harder time getting the same result.
(This article was originally published in Lawyers Weekly USA, Boston, MA, another Dolan Media publication.)Several years ago, Benjamin H. Hill III defended a malpractice claim lodged against a Florida personal injury defense lawyer by the insurance company that had hired him. Hill, an attorney in Tampa, Fla., successfully argued that there was no direct attorney-client relationship between the defense lawyer and the insurance carrier, and the claim was dismissed. Today, however, Hill might have a harder time getting the same result.

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Rainwater HarvestingThe capture and storage of rainwater for subsequent utilization is called rainwater harvesting. Rainwater harvesting is often one component of a water management strategy in which a various water sources satisfy a spectrum of demands.Archaeological excavations document ancient rainwater harvesting in Mesoamerica , the Mediterranean, and the Orient. Today, rainwater is harvested by both traditional technologies and optimally engineered facilities. Traditional rainwater harvesting systems include a rooftop and adjacent cistern. Improved systems include paved hillsides, airport runways, subterranean reservoirs, disinfection, and automated monitoring. Computercontrolled systems are used in parts of Japan and Scandinavia.
Each of us uses about 220 litres of water per day; this equates to filling and carrying around 23 buckets. Yet, from these 220 litres, less than 18 litres are actually used for life-sustaining purposes. It is estimated that water bills account for more than 1% of company business turnover, and with water prices set to increase on average by 18% over the next few years, there is an ever-growing need to consider water conservation measures in both businesses and homes across the UK. Rainwater harvesting systems for secondary uses could account for up to half an organisations total water consumption.

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Marilyn Willms Marilyn Willms — has joined the Tom Lane Team as a Realtor associate, along with Tom Lane, Sharon Markley, Michele Loeffler, Wayne Wischropp and John Lane at Realty Executives of Topeka.
Scott Burnett, licensed partner, Realtor and office administrator for the Jerry Long Real Estate Group at RE/MAX Associates of Topeka, has earned the nationally recognized e-PRO certification, a designation that is held by less than 1 percent of real estate agents nationwide. Burnett joined the Jerry Long Real Estate Group in March 1999. His primary responsibilities are general office management and client care, coordination of property showings, maintenance of current listing inventory, contracts pending and closing activities. Burnett is also actively involved in the creation of marketing and promotional materials. He attended Penn Valley Community College in Kansas City, Mo., and the University of Missouri-Columbia.
- Real estate - B.J. McGivern was honored as Valley Inc. Realtors top sales associate for the month of September. For more information about McGivern, call 233-4222 or B.J. McGivern.realtor.com. - Harold Herrick has joined Countrywide Realty Inc. of Topeka, specializing in commercial and residential real estate.

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OREM — A hypnotherapy lecture at Utah Valley State College that had been scheduled for last week has been changed. The lecture will be held Thursday at 2:30 p.m. in the Liberal Arts Building, Room 105. It is free and open to the public. For more information, contact Aaron Wood at 801-592-7912.
Cognitive Hypnotherapy. Thomas E. Dowd. Northvale, NJ: Jason Aronson (2002). 240 pages, $40. Reviewed by: Bruce N. Eimer, Ph.D., ABPP, Philadelphia, PA. Until recently, there has been little in the CT literature on the use of hypnosis (Golden et al., 1987). In the language of the laterality of brain functions, cognitive therapy has emphasized “left brain” thinking as opposed to “right brain” creativity and imagination. In Cognitive Hypnotherapy, Tom Dowd successfully changes this emphasis-adding “right brain” to what was mostly a “left brain” art. For CT and CBT practitioners, Cognitive Hypnotherapy offers options for expanding the scope and flexibility of their practice by adding hypnosis to it. For clinical hypnosis practitioners, this book models efficient ways of integrating cognitive restructuring and reframing techniques with direct and indirect, permissive, hypnosis trance induction and therapeutic suggestion techniques.

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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.
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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PACKAGINGPrior to World War II, packaging was used primarily to surround and protect products during storage, transportation, and distribution. Some packages were designed with aesthetic appeal and even for ease-of-use by the end consumer, but package design was typically left to technicians. After World War II, however, companies became more interested in marketing and promotion as a means of enticing customers to purchase their products. As a result, more manufacturers began to view packaging as an integral element of overall business marketing strategies to lure buyers.This increased attention to packaging coincided with socioeconomic changes taking place around the world. As consumers became better educated and more affluent, their expectations of productsand their reliance on themincreased as well. Consequently, consumers began to rely much more heavily on manufactured goods and processed food items. New technologies related to production, distribution, and preservatives led to a massive proliferation in the number and type of products and brands available in industrialized nations. Thus, packaging became a vital means of differentiating items and informing inundated consumers.
Lucent Technologies Microelectronics Group claims it has a better approach to the packaging of its new Firewire chip. Last week the company announced a new IEEE1394A FireWire physical layer interface (PHY) chip with a smaller footprint than similar devices on the market. The three-port, IEEE-1394-A-compliant physical layer interface IC, called FW803, is housed in a 64-pin thin quad flat pack (TQFP). The device provides a powerful combination of small size and low power that helps reduce final system costs, he said. Design engineers can use the chip to create new applications for PCs, workstations and consumer electronics; because it dissipates less than 0.6 watts during normal operation, it can further increase design options for portable PCs or other compact, battery-powered systems, Lucent noted. The chip will be sampling in June, and is expected to be generally available during 3Q98. Pricing in quantities of 10,000 will be $5 per unit. Other volume pricing options are also available.

Packaging Machines

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.
Scott Burnett, licensed partner, Realtor and office administrator for the Jerry Long Real Estate Group at RE/MAX Associates of Topeka, has earned the nationally recognized e-PRO certification, a designation that is held by less than 1 percent of real estate agents nationwide. Burnett joined the Jerry Long Real Estate Group in March 1999. His primary responsibilities are general office management and client care, coordination of property showings, maintenance of current listing inventory, contracts pending and closing activities. Burnett is also actively involved in the creation of marketing and promotional materials. He attended Penn Valley Community College in Kansas City, Mo., and the University of Missouri-Columbia.

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The ball-on-rod rolling contact fatigue (RCF) tester (1) is an element tester which is used to evaluate the RCF properties of materials, primarily steels, for bearing applications. In order to produce test results in a reasonably short period of time, the load imposed on the steel test rods is much higher than that typically experienced in actual bearing applications. The standard test condition, set forth by Glover (2J, results in a calculated Hertzian contact stress of 5.4 GPa. This high contact stress causes plastic deformation of the test rods. In addition to the ball-on-rod RCF Tester, many other accelerated RCF test rigs use high contact stresses to reduce test time. For example, the flat washer tester is operated at a contact stress of 4.1 GPa (3), the Rolling Contact (RC) rig at 5.4 GPa (4) and the Ball on Cylinder rig at 5.9 GPa (5). While these machines and test conditions are widely used, the use of the high stress conditions have been questioned as being too high for correlation to full-scale bearing tests that are commonly in the range of 2 - 2.7 GPa (300 - 400 ksi) (6)-(8). Zwirlein and Schlicht (6) felt that tests performed at high stress levels can lead to improper conclusions on how a material will respond at lower stress levels. The deformation occurring at the higher stress levels was felt to alter the residual stress state of the material and thus, influenced the test results. Lorosch (7) felt the plastic deformation occurring at the higher stress reduced the life exponent, compared to that obtained at lower stresses. Thus, data generated at contact stresses that created plastic deformation could not be compared to that generated at lower contact stresses.
Rocker Hallyday grabs acting kudos. Friendship and popularity dilemmas, perplexing puberty issues, family fiascoes. A packed social calendar, mountains of homework, loads of extracurricular activities. Two tests, a pop quiz, an oral report on the anatomy of the atom. Stressed out much? Face it, stress happens. Matter of fact, stress has become such a serious issue for girls that many are flocking to stress-busting spas and yoga classes in record numbers. The Girl Scouts now even offer a stress-buster badge! Want to win your own battle against stress? Here are our seven secrets.
At North Carolinas Outer Banks, I walk the beach at dawn. The ocean reflects sunrise. Waves roll in like liquid light, and sea foam sinks into the sand beneath my feet. According to neuroscience, the sight of each wave lapping onto shore transforms my whole physiology. Doctors have learned that our state of mind plays a primary role in our health and aging. The mind/body connection is at work every moment of our life, and were using it to either create health or promote bodily wear and tear. Sad or negative thoughts cause our brain to produce neurotransmitters that weaken our immune system. Thoughts of hostility induce rapid heartbeat and heightened blood pressure. Anxious thoughts also raise blood pressure, and cause hand tremors, cold sweat, a knotted stomach, and pervasive weakening (as when we say “sick with dread”). On the other hand, happiness, love, and compassion produce physiological changes that lead to better health, because the neurotransmitters generated by these feelings stimulate the immune system and increase resistance to disease. Major religions and great spiritual traditions advise against negative thoughts. Christianity admonishes not to condemn or enact hostility against others. The Upanishads instruct: “Never criticize anyone. Never entertain negativity.” Being negative is hazardous to our health. We could say it violates Natural Law. If you prefer religious terms, its “against Gods will.”

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FREMONT — A Newark man was seriously injured Sunday morning in a motorcycle accident on Roberts Avenue near Washington Boulevard. Fremont police said motorcyclist Thomas Reticker, 39, of Newark tried to pass a 2003 Chevrolet Cavalier on the left on Sunday at 2:50 a.m. As Reticker tried to pass, the car made a left turn into a private driveway on Roberts Avenue. Reticker was thrown from his motorcycle, a Suzuki GSXR 1000, after colliding with the rear of the Cavalier, police said, near the Safeway grocery store at Washington and Fremont Boulevards.
Clarks Top Fuel cars were driven by Tom McEwen, John Andretti, and Andy Woods. His best outing was at the 1991 Englishtown event, where McEwen scored a finalround victory over Lori Johns. Clark drove the car at eight NHRA events in 1994, recording a best of 4.97.
A 30-year-old man died early Saturday, and another man was critically injured after a two-motorcycle accident at Circle Drive and Holiday Place. Police identified the man who died as Dwayne Norris. The second man, Steven Sullivan, 37, was in critical condition at a local hospital, police said. The crash happened about 1:30 a.m. The motorcycles appeared to be traveling east on Circle Drive, a witness said, declining to provide more details Saturday. A neighbor who lives next to the crash site said he saw a man lying dead in the street, and the other motorcycle was about 100 yards farther down Circle.

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They had lost their last two games of the 1998 season and waved goodbye to most of their top offensive stars, including their quarterback, running back and No. 1 wide receiver. It would be a rebuilding year for Kansas State, everyone decided. Everyone was wrong, of course. Bill Snyders Wildcats hardly missed a beat, winning 10 regular-season games and losing only at Nebraska. A survey of sports editors and sportscasters gave the nod to Kansas States football fortunes over a host of interesting and intriguing developments making headlines during the year.
Why am I doing this instead of shopping or having kids? Something inside makes you keep giving yourself to sport England captain puts football first

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What is physiotherapy? It is a science-based healthcare profession which views movement as being central to the health and well-being of individuals. Physio- therapists identify and maximise movement potential through health promotion, preventative healthcare, treatment and rehabilitation. What are the specialist areas of physiotherapy?
> The number of people suffering from repetitive strain injuries has increased by 52,000 over the past three years, according to research released by the Chartered Society of Physiotherapy. Almost 450,000 workers have upper-limb disorders, with health and social work employees most affected. About 4.7 million working days were lost through RSI in 2003- 04, with each worker taking an average of 18 days off.

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