text:
Polls In Red States
This morning when asked why Obama is gaining momentum everywhere in the country while his own polling numbers are tumbling, McCain sputtered and groused to his buddies at Fox that "life is unfair." With support from voters solidifying around Obama's calm, measured approach-- and rejecting the McCain campaign's erratic and hysterical reactions to everything-- the battlegrounds for November have been shifting into "safe" Republican states like North Carolina, Indiana, Virginia and Florida. In fact, Florida Republicans are panicking. So are congressional candidates tied to McCain.
Recall that McCain has an unbroken record this year when it comes to coattails: three contested special elections (all in heavily Republican districts, "safe" seats in Illinois, Louisiana and Mississippi) were won by Democrats when McCain's efforts on behalf of Republicans backfired badly. Polling news from around the country is looking gloomier and gloomier for the Republicans, even in areas they thought were safe for them. The NRSC has given up on races in New Mexico and Virginia where they once thought they could hold onto seats of retiring Republicans. This morning's Washington Post declared that the GOP's gradual decline in Virginia has turned into a free fall (And, by the way, this isn't just happening in the DC suburbs, as this Kos diarist-- click on the link-- makes clear when he explains the importance of bluegrass legend Ralph Stanley's endorsement of Obama.)
Long-serving members of Congress and the state legislatures are not only leaving office but also blasting their party on the way out. Just a few years after running his party's national congressional campaign effort, Rep. Tom Davis of Fairfax County is leaving Congress embittered by the Republicans' hard-right positions and frustrated that there appears to be no home for moderates who might appeal to suburban voters.
Virginia's GOP "gave me the middle finger," Davis said after party leaders maneuvered to hand its nomination for the retiring John Warner's U.S. Senate seat to former governor Jim Gilmore, rather than allow a primary between the hard-right Gilmore and the moderate Davis. "Anybody who compromises, you go back to your party base and you're an apostate. You're squishy. You're weak."
Two of Virginia's longest-serving GOP leaders, Sen. John Chichester of Stafford County and Del. Vince Callahan of Fairfax, left the legislature this year with harsh words for their party-- and both have endorsed Democrat Mark Warner in this fall's Senate race.
"I'm extremely distressed by the path it's taking," Callahan told me of the GOP in Virginia. "It could end up being a minority debating society. We can't be a party about immigrant-bashing or gay-bashing or any other bashing. We should be a party of fiscal responsibility, which is how I got into it."
Even worse was some of the startling congressional polling news that came in from around the country. Maybe they're hoping Mooselini will turn this around for them tonight, but it looks like the Republican brand is as toxic as astute prognosticators have been saying it was. Let's start in Texas, where Blue America-endorsee Larry Joe Doherty has been in an under the radar struggle with another lockstep, rubber stamp Bush millionaire, Michael McCaul, whose father-in-law, the Clear Channel CEO, bought him the seat after DeLay had the district gerrymandered to be safe for a garden variety Republican. That same district is no longer viewed as safe. New polling data shows him rapidly closing the gap with McCaul. Yes, Texas.
And look at North Carolina. In fact, more specifically, look at NC-08 in the south-central part of the state that became near and dear to many activists from all over America in 2006 when a stalwart working families supporter, Larry Kissell, came within 324 votes of dislodging weak and useless Bush rubber stamp Robin Hayes. New polling suggests that this year will not be close. A new Greenberg, Quinlan, Rosner poll conducted September 28-29 shows Larry Kissell leading Representative Robin Hayes by 11 points, 54- 43%. Obama is also ahead of McCain by roughly the same margin in NC-08 and Democratic Senate Candidate Kay Hagan is leading Elizabeth Dole by 14 points (55%-41%). 8th District voters believe that Larry will do a better job on the economy than Hayes, who supported the job-destroying CAFTA bill, and that Kissell is more likely to stand up for North Carolina's workers.
Even in red, red Idaho, the Democratic house candidate Walt Minnick has pulled ahead of Republican far right extremist Bill Sali, 44-38%! And one of the sweetest polls of all came out of southern Ohio this morning where Vic Wulsin's momentum has caught up with rubber stamp incumbent Mean Jean Schmidt in OH-02. Momentum Analysis calls the race a dead heat with 16% of the voters still undecided. Vic's spokesperson, Kevin Franck, points out that the poll found that 85% of voters are worried that the economic crisis on Wall Street puts their families at risk.
"The economy is by far the most important issue on the minds of families in Southern Ohio and Jean Schmidt supports the same failed economic policies that have gotten us into this mess. Jean Schmidt has been a part of the problem in Washington; Vic Wulsin will be a part of the solution.
"Congresswoman Schmidt opposed tighter restrictions and oversight for Fannie Mae and Freddie Mac, both of whom failed and have already gotten billion dollar taxpayer bailouts, she voted against limiting high-cost mortgages for those who could not afford them and when she was in Columbus, she raised taxes on Ohio families just about every chance she got. Vic Wulsin thinks it's time to make government in Washington accountable to the people again."
Earlier today Congressional Quarterly changed its rating on two Michigan races from "leans Republican" to toss-up. Blue America candidates Gary Peters and Mark Schauer are now seen as winners against Republican right-wingers Joe Knollenberg and Tim Walberg. The fact that McCain has read the writing on the wall and decided to pull his faltering campaign out of Michigan entirely probably dooms the both of them.
The AFL-CIO's Richard Trumka explains why Obama isn't winning by double digits and why he should be and could and will be. Please watch this passionate, powerful beautiful speech:
Labels: Larry Joe Doherty, Larry Kissell, McCaul, Mean Jean Schmidt, Michigan, North Carolina, polls, racism, Ralph Stanley, Richard Trumka, Robin Hayes, Vic Wulsin, Virginia
Richard Trumka gives a no-holds barred, old-timey, give 'em hell speech. One of the best pro-Barack moments I have seen. The country needs more people like Trumka to stand up and voice their concerns and their support.
Palin's Night To Shine: Will McCain's Crap Shoot, ...
Will The Senate Bailout Version-- Now A Larded Up ...
So What Happened In The Senate Yesterday?
Bush's Wars Haven't Taken A Time Out For the Bailo...
Retiring Republican Congressmen Refusing To Endors...
Debbie Cook and DWT Offer Jackson Browne Tickets
McCain Was A Worse Pilot Than Bush-- And, Yes, He'...
Progressives Have Come Up With A Bill Worth Backin...
Who Thinks Palin Will Feed Joe Biden John Boehner'...
McCain Tossing Away His Chances In Iowa


text:
Microquest Inc.
Life at Microquest
Healthquest
dr2dr
Splashtop Remote Support
Rescue Remote Support
2021 Alberta Health Holiday Payment Schedule
December 20, 2021 February 11, 2022 microquest
For those of you submitting claims to Alberta Health, please be aware of the upcoming holiday payment schedule:
The Alberta Health office will be closed from Friday, December 24, 2021 to Monday, January 3, 2022.
H-Link will be able to accept claims from submitters during the office closure period.
Claims received and assessed during the period of December 10, 2021, to December 16, 2021, will have an expected payment date of Friday, December 24, 2021.
The next expected payment date will be Friday, January 7, 2022, and will include claims received and assessed during the period of December 17, 2021, to December 30, 2021.
For more information, please view the Alberta Health Bulletin.
News, Newsfeed
Microquest not Affected by Vulnerability in Apache Log4j
Microquest EMR First to Integrate PrescribeIT® V5.0
Copyright © 2022 Microquest Inc. | Privacy Policy | Newsletter Sign Up

redpajama_set_name: RedPajamaCommonCrawl


text:
MERGER DOUBTS TAKE TOLL ON BELL ATLANTIC STOCK: POTENTIAL OF GTE LINK UNTAPPED AS SUITS, APPROVAL ISSUES HOUND DEAL
judith messina
Bell Atlantic's stock barely budged last week after it announced one of the biggest corporate mergers ever, amid doubts that the marriage of the local phone company and GTE will ever come off.
Bell Atlantic Corp.'s earnings are growing at 10% and it offers a healthy dividend, which means the stock should be going up modestly, say analysts. But for big gains, investors may need to go elsewhere.
"Frankly, there are better earnings stories in the telecom group and better places for investors to place their money," says Barry Sine, a telecommunications analyst with Toronto Dominion Securities, who has a "hold" recommendation on Bell Atlantic's stock.
Slow growth story
A merger, whether with GTE Corp. or some other partner, is a smart move for Bell Atlantic. The company's territory is the most lucrative telecommunications market in the world, but it is growing more slowly than most other areas of the country. Bell Atlantic's stock hasn't been a great performer. As of July 30, its shares were up 27% over the previous 12 months, compared with 37% for the nation's incumbent local carriers as a group.
The deal, if completed, could result in an attractive company. The transaction would merge the slower-growing Bell company with a fast-expanding telecommunications provider at a below-market price.
"The deal is positive, but it's going to be a huge task to get through the regulatory issues," says Jeffrey Kagan, president of Kagan Telecommunications Associates. "This will make MCI-Worldcom look like a picnic."
The approval process is enormously complicated because of the two companies' overlapping services. Furthermore, GTE provides long-distance services, including high-speed data service, in some of Bell Atlantic's markets. Bell Atlantic is prohibited from offering long-distance service in its home territories until it can demonstrate there is significant local competition in those markets.
At the same time, William Kennard, chairman of the Federal Communications Commission, has said that telecommunications companies seeking approval of mergers must show that the combination will increase competition.
Shareholders object
In addition, opposition is building among GTE shareholders. Five investors have already filed lawsuits on the grounds that GTE is selling itself too cheaply. If they are successful, it could raise the price of the deal for Bell Atlantic.
"Are shareholders going to want to sit out there exposed to risk?" says Toronto Dominion's Mr. Sine. "I haven't been convinced that the companies have figured out how to get the deal approved."
Three securities firms did issue a "buy" recommendation on Bell Atlantic after the deal was announced, including Bear Stearns, which is advising the company on the merger.
Bell Atlantic says that investor concerns are unfounded and that it expects approval in 12 to 18 months. "We think we've got an answer to every scenario, which still allows us to do the deal in the time frame we're talking about," says a spokesman.


text:
Entry-Level Scan Tool provides all 9 OBD-II test modes.
Snap-on Inc. Apr 06, 2005
ScanCheck(TM) OBD-II Scan Tool (MTSC500) enables technicians to retrieve and clear trouble codes on all 1996 and newer ODB-II compliant systems on domestic, European, and Asian vehicles. It supports CAN systems, displays freeze frame data and oxygen sensor readings, and includes manufacturer-specific enhanced P code information for GM, Ford and Chrysler vehicles. Internal software is updated via CD with optional PC computer connection kit.
Snap-On's New Entry-Level Scan Tool Offers Powerful Capabilities in an Affordable Package
CAN-enabled, Full Function OBD-II Scan Tool KENOSHA, Wis., March 11, 2005 - Technicians and shops looking for an entry-level or secondary scan tool now have an affordable new choice with the introduction of the ScanCheck(TM) OBD-II Scan Tool (MTSC500) from Snap-on Tools Company. The Snap-on® ScanCheck allows technicians to quickly retrieve and clear trouble codes on all 1996 and newer ODB-II compliant systems on Domestic, European and Asian vehicles. The scan tool provides all nine OBD-II test modes and supports Controller Area Network (CAN) systems on the latest vehicles, increasing the technician's ability to accurately identify tough diagnostic problems. The tool's trouble code descriptions are displayed in plain English for easy understanding by all levels of technicians. The Snap-on ScanCheck's software includes manufacturer-specific enhanced P code information for GM, Ford and Chrysler vehicles. The scan tool retrieves and displays live engine datastream and parameters to help gather information necessary to diagnose difficult and intermittent problems. The ScanCheck also displays Freeze Frame data and oxygen sensor readings essential for troubleshooting driveability problems. The ScanCheck's access to all nine modes makes technicians better prepared and equipped to diagnose the toughest OBD-II diagnostic problems. In Mode 9, technicians can retrieve VIN number data and calibration software information from the vehicle's Powertrain Control Module. Not only does this information speed the diagnostic process, it helps ensure the problem is diagnosed correctly the first time. Additional and updated manufacturer-specific enhanced P code information, OBD-II codes and code descriptions will be available with future software updates from Snap-on Tools Company. The ScanCheck kit includes the ScanCheck scan tool, a six-foot detachable J1962 OBD-II diagnostic cable, protective storage pouch, CD-ROM user's manual and a quick reference start guide. The start guide and comprehensive user's manual directs technicians through everything they need to know to put OBD-II diagnostics to use. The ScanCheck's internal software is updated via CD with an optional PC computer connection kit available later this year. Full Spanish language support is built-in as standard on all ScanCheck's diagnostic and other functions. Technicians and shop owners can find out more about the Snap-on® ScanCheck(TM) OBD-II Scan Tool (MTSC500) by contacting their local Snap-on representative, visiting www.snapon.com or calling toll free 877-SNAPON-2. Snap-on Tools Company, LLC is a subsidiary of Snap-on Incorporated, a leading global developer, manufacturer and marketer of tool and equipment solutions for professional tool users. Product lines include hand and power tools, diagnostics and shop equipment, tool storage products, diagnostics software and other solutions for the transportation service, industrial, government, education, agricultural, and other commercial applications, including construction and electrical. Products are sold through its franchisee dealer van, distributor channels and company direct sales, including snapon.com. Founded in 1920, Snap-on Tools is a $2+ billion, S&P 500 company headquartered in Kenosha, Wis., and employs approximately 12,000 worldwide.
Precision Adjustable Shim simplifies leveling adjustments.
Dairy/Milk Testing Instruments measure bacterial levels.
Gas / Chemical Analyzers
Hematology Analyzer performs CBC and CRP in 4 minutes.
Time and Frequency System features internal GPS receiver.


A vacancy advertisement with name as SDITD Recruitment has been circulated by Skill Development and Industrial Training Department to inform the Hard working and result oriented Job appliers for the 10 unoccupied posts of Assistant, Account Assistant. Eligible Job appliers can apply for SDITD vacancy by submitting their applications through offline mode before the end date which is 5th April 2019.
Qualification: Those candidates are having minimum qualification as Candidates who are willing to apply for SDITD jobs must posses Diploma in Computer Engineering / Information Technology/ Mechanical / Electrical, Bachelor Degree, B. Tech degree in Computer Science / Information Technology/Mechanical / Electrical / Electronics & Communication Engineering, Masters degree in Commerce, Economics, Tourism passed from any recognized board or institution can apply.
Upper age limit of applicants applying for this recruitment will be 40 Years (Post 1-6), 60 Years (Post 7).
What amount I'll get as pay band?: Contenders that get shortlisted after qualifying the selection process will get Rs. 70,000/- (Post 1-3), Rs. 45,000/- (Post 4), Rs. 25,000/- (Post 5-7) as per organization norms.
Contenders the first and necessary step is to visit the official site of the organization that is http://itiharyana.gov.in.
Last Date to Submit Filled-In Application : 05-04-2019.
Click Here For SDITD Job Notification Link.


text:
April 27, 2015 April 27, 2015 / By nzrac / Travel & Tourism
Travelling south of Auckland on State Highway 2, you are bound to pass through the modest, utilitarian town of Waihi. Most do. It's less than two hours from the big smoke on the way to Tauranga, the Mount, and of course the popular summertime hangout of Waihi Beach, which is actually a town in its own right 10 kilometres to the east of Waihi proper. But Waihi is the gold mining capital of New Zealand, and definitely worth checking out.
The discovery of gold in the 1850's and 60's beckoned migrants by the shipload to New Zealand, and specifically to the South Island. There, in quite rapid succession, the rush hit Nelson, Otago, Marlborough and the West Coast. Within a decade the easy pickings were gone, and in equally rapid succession the southern shanty towns were forced to either find new means of sustenance, or shrivel up and blow away – which many did. The days of picks and pans had passed, and future mining would require heavy equipment, engineering knowledge, and vast amounts of capital. This was especially true of Waihi, where gold prospecting began in 1875. Gold found in the quartz vein known as "Martha" was plentiful, but difficult to recover using contemporary methods. This was overcome and by the dawn of the 20th century Martha was the largest mine in New Zealand.
Falling gold and silver prices eventually led to the closure of most of New Zealand's mining operations, and even the huge Martha mine ceased business in 1952, leaving an underground labyrinth of temporarily shored-up tunnels and shafts like a vacated ant farm under the crust of the Hauraki District. At one stage Waihi was home to a TV manufacturing plant run by Philips, but the deregulation of the electrical industry put an end to that. The plant had employed about 400 workers, so it was controversial, but perhaps timely, when gold prices soared in the 80's and Martha was reopened.
Now Waihi is home to a massive open-cast pit mine, or the mine is home to Waihi, it's hard to tell. A 300 metre deep hole yawns open in the middle of the town, in fact from above it looks as though Waihi has been fatally wounded. Although it's very much business as usual for Waihi, residents probably struggle to see the upside with reports of constant noise, dust, erosion, cracked driveways and flooded basements. What can't be escaped is that Newmont Mines – who operate the Martha, Favona and Trio mines – employ about 14% of Waihi's working-age populace. Continued mining may devalue their properties, but closure too would mean an unemployment spike and a negative demand for housing. Residents really are between a rock and a hard place.
Waihi in Google Earth, showing the gaping maw of the Martha pit. SH2, the main thoroughfare, is marked. Click to enlarge
Meanwhile in a shiny office at Newmont Mines it is someone's job to put a smiley big-business spin on their industry, which they do at the Martha Mine Education Centre, where the focus is on their donations to local causes, historical significance, and a million dollars a week in precious metals. Their website trumpets that the Centre is just across the road from one of Waihi's greatest heritage assets, the Cornish Pumphouse. Ironically this building had to be shifted in 2006 as the land it was on was deemed too unstable after decades of mining. They even run very informative tours, and I must say the kids would probably enjoy hearing how gold and silver are extracted, and seeing some of the heavy machinery at work.
For my two cents worth, go and see the Goldfields Historic Railway. This operates out of the old restored Waihi Station, and does a daily run the short distance to Waikino on the remaining section of the East Coast Main Trunk Line. This track was laid over one hundred years ago when the Martha mine operated at its peak, and the 30-minute trip alongside the Ohinemuri River showcases some amazing scenery, and also several historical mining sites. The railway has been a volunteer run society since the closure and removal of most of the original line in 1980, and several trains and buildings have been preserved through their dedication.
No matter how you feel about the ongoing mining, it's certain that it shaped Waihi's development, and continues to do so. The main drag has an abundance of cafes and restaurants, and there is history all around. Definitely worth a day trip.


text:
//==============================================================================
// Editor list item
//==============================================================================

#include "editorlistitem.h"

//==============================================================================

namespace OpenCOR {
namespace EditorList {

//==============================================================================

EditorListItem::EditorListItem(const Type &pType, const int &pLine,
                               const int &pColumn, const QString &pMessage) :
    QStandardItem(),
    mType(pType),
    mLine(pLine),
    mColumn(pColumn),
    mMessage(pMessage)
{
    // Customise ourselves

    static const QIcon ErrorIcon       = QIcon(":/oxygen/emblems/emblem-important.png");
    static const QIcon WarningIcon     = QIcon(":/oxygen/status/task-attention.png");
    static const QIcon HintIcon        = QIcon(":/oxygen/actions/help-hint.png");
    static const QIcon InformationIcon = QIcon(":/oxygen/status/dialog-information.png");

    if ((pLine == -1) && (pColumn == -1))
        setText(QString("%1").arg(pMessage));
    else if (pColumn == -1)
        setText(QString("[%1] %2").arg(pLine).arg(pMessage));
    else
        setText(QString("[%1:%2] %3").arg(pLine).arg(pColumn).arg(pMessage));

    setToolTip(text());

    switch (pType) {
    case Error:
        setIcon(ErrorIcon);

        break;
    case Warning:
        setIcon(WarningIcon);

        break;
    case Hint:
        setIcon(HintIcon);

        break;
    case Information:
        setIcon(InformationIcon);

        break;
    }

}

//==============================================================================

int EditorListItem::type() const
{
    // Return the item's type

    return mType;
}

//==============================================================================

int EditorListItem::line() const
{
    // Return the item's line

    return mLine;
}

//==============================================================================

int EditorListItem::column() const
{
    // Return the item's column

    return mColumn;
}

//==============================================================================

QString EditorListItem::message() const
{
    // Return the item's message

    return mMessage;
}

//==============================================================================

}   // namespace EditorList
}   // namespace OpenCOR

//==============================================================================
// End of file
//==============================================================================

redpajama_set_name: RedPajamaGithub


text:
Q: Why are these segments parallel? I constructed something with GeoGebra, and I ran into trouble.
How can I prove this. (Actually I just hope this will be true)

You can also check this construction https://www.geogebra.org/classic/kvcdt7bd
with navigation button below.
$$$$
I am not good at using English, so sorry in case of confusion.

redpajama_set_name: RedPajamaStackExchange


"There is no question of revenge, it is a game of football. All games have a history to them, some different to others.
"I don't like losing. No-one likes losing in the final stages of the Champions League, particularly the first leg at home.
"I'm not going to point out their weak spots because they are strategies, we have but we aim to exploit them and take them by surprise," he said.


text:
using BenchmarkDotNet.Attributes;

using Science.Cryptography.Ciphers.Specialized;

[MemoryDiagnoser]
public class XorBenchmarks
{
	public XorBenchmarks()
	{

	}

	private static readonly byte[] Input32 = new byte[32];
	private static readonly byte[] Input48 = new byte[48];
	private static readonly byte[] Input72 = new byte[72];
	private static readonly byte[] Input96 = new byte[96];

	private static readonly byte[] Key7 = new byte[7];
	private static readonly byte[] Key32 = new byte[32];
	private static readonly byte[] Key41 = new byte[41];

	private static readonly byte[] Output96 = new byte[96];

	[Benchmark]
	public void SlowXor_I32_K32()
	{
		BinaryXor.SlowXor(Input32, Output96, Key32);
	}

	[Benchmark]
	public void Avx2Xor_I32_K32()
	{
		BinaryXor.Avx2Xor256(Input32, Output96, Key32);
	}

	[Benchmark]
	public void Avx2Xor_I72_K7()
	{
		BinaryXor.Avx2Xor256(Input72, Output96, Key7);
	}

	[Benchmark]
	public void Avx2Xor_I96_K41()
	{
		BinaryXor.Avx2Xor256(Input96, Output96, Key41);
	}

	[Benchmark]
	public void Avx2Xor_I96_K32()
	{
		BinaryXor.Avx2Xor256(Input96, Output96, Key32);
	}
}


text:
Medical Association and 121 Residency Programs Settle Immigration Discrimination Claims
Posted by Ann Badmus | Jul 28, 2016 | 0 Comments
The Justice Department recently announced agreements with 121 podiatry residency programs and the American Association of Colleges of Podiatric Medicine (AACPM) to resolve claims that they discriminated against work-authorized non-U.S. citizens in violation of the Immigration and Nationality Act (INA).
The department's investigations found that between 2013 and 2015, the programs and AACPM created and published discriminatory postings for podiatry residents through AACPM's online podiatry residency application and matching service. Specifically, the department determined that hundreds of job postings limited podiatry residency positions to U.S. citizens even though there was no legal authorization for the citizenship requirement. Several work-authorized non-U.S. citizens stated that they were discouraged or deterred from applying to residency programs because of the citizenship requirements, and the department concluded that two lawful permanent residents were denied consideration for positions because of unlawful citizenship requirements.
Under the settlement agreements, the programs are required to remove citizenship requirements from podiatry residency postings except where required by law, train staff involved in the advertising and hiring of podiatric residents and ensure that future residency postings are reviewed by staff trained in equal employment opportunity laws or by legal counsel. Some of the settlements also require the programs to pay a civil penalty, amounting to total civil penalties from the programs of $141,500.
The settlement with AACPM requires it to pay $65,000 in civil penalties, train its staff on the anti-discrimination provision of the INA and ensure that all participating programs receive such training before they may use AACPM's online system to advertise residency positions. The settlement also requires AACPM to refund the fees that the charging party paid to use AACPM's residency application and matching system.
"Immigrants authorized to work in our country should never face unlawful discriminatory barriers to employment," said Principal Deputy Assistant Attorney General Vanita Gupta, head of the Justice Department's Civil Rights Division. "Across the industry, these settlements will ensure that qualified medical students have equal opportunities to join podiatric residency programs and provide healthcare services to our communities."
The INA's anti-discrimination provision prohibits employers from discriminating in hiring, firing and recruiting or referring for a fee based on a person's citizenship, immigration status or national origin. Employers may not limit job opportunities to U.S. citizens unless employers have a legal basis to do so, such as a law, regulation or government contract that imposes citizenship requirements on the position. Similarly, recruiters and referrers for a fee may not impose barriers to obtaining employment based on an individual's citizenship, immigration status or national origin. This means, for instance, that unless a legal exception applies, they may not advertise jobs as available only to U.S. citizens because doing so excludes other work-authorized individuals, such as U.S. nationals, lawful permanent residents (often referred to as green card holders), asylees and refugees.
The department began its investigations of the programs and AACPM in 2015 after receiving a charge against AACPM from a podiatry medical student with lawful permanent residence. The charge alleged that AACPM published a series of podiatry residency job announcements that unlawfully restricted positions to U.S. citizens through AACPM's online application service. The charge further claimed that AACPM used its online service to collect citizenship status information from residency applicants and share that information with residency programs.


• See American Stock Exchange.
• Is the American Stock Exchange.
American stock exchange: Abbreviated Amex. A market located in New York City that handles approximately one-fifth of all securities trades within the United States.Abbreviated Amex. The second-largest stock exchange in the United States. It trades mostly in small-to medium-sized companies.
Broad based index: An index that is designed to reflect the movement of the market as a whole. Examples include the S&P 100, the S&P 500, the Amex Major Market Index and the Value Line Composite Index.


text:
Home - Kantha Bopha Foundation sees decrease in donations
Kantha Bopha Foundation sees decrease in donations
Sok Srey Lux / Khmer Times Share:
Kantha Bopha Children's Hospital needs donations to keep on treating families free of charge. KT/Siv Channa
The Kantha Bopha Foundation has reported a 20 percent decrease in donations within the first eight months of this year, compared to 2019.
The announcement came yesterday during the meeting between the Director of Swiss Agency for Development and Cooperation (SDC) to Cambodia, Markus Buerli, and the director of Kantha Bopha Foundation Oun Poanmonyroth.
Poanmonyroth said: "In the first eight months of this year, the Kantha Bopha Foundation has received just short of $16 million in donations, a marked drop compared to donations in 2019. The fall in donations has been because of the pandemic."
Director of Kantha Bopha hospital Denis Laurent agreed in his statement yesterday, saying that this year's donations have dropped by $4million in comparison to 2019 because of COVID-19.
We have seen a significant decline for the economy and tourism due to the impact of the pandemic. This has hit especially hard in the case of the contributions usually given from sales of Angkor Wat tickets, which have significantly declined this year due to a lack of tourism.
However, according to Laurent, the hospital has had fewer patients in 2020.
"The number of patients decreased by 30 percent in the months of March, April and May. Now we are receiving around 15 percent less than usual," he said.
"However, the higher numbers we received last year was largely due to the huge dengue epidemic, which saw 25,000 people hospitalised," he said.
"The decrease in patients this year is due to the mandatory quarantine, school closures and other ministry measures which have curbed the transmission of the virus," he added.
Despite the drop in numbers at the hospital amid the pandemic, he said the hospital is still overcrowded in its maternity wards.
"We have also admitted patients for a number of other reasons, including general infections, surgical intervention – such as cardiac, orthopedic and neurosurgical interventions – as well as pneumonia and encephalitis," he said.
"More recently, we have been facing the new Chikungunya epidemic, with over 950 confirmed cases, most of them from Siem Reap province. Fortunately, we have not recorded any deaths because of Chikungunya," he added.
Mother of three children Kham Sopary said yesterday that the Kantha Bopha hospital has helped cure a lot of children in Cambodia, without charging any money.
"All of my three children have received treatment from the hospital. Without the hospital, many families would be in debt just trying to get treatment for their children," she said.
"The hospital operates professionally and efficiently. It is very reliable," she added.
Director of the SDC Markus Buerli yesterday acknowledged that the Kantha Bopha Foundation has played an important role in providing funding for the Kantha Bopha hospital.
Smart Axiata CEO, Thomas Hundt says all money raised from the concert will go to the Foundation. KT/ Chor Sokunthea
Smart announces charity concert for Kantha Bopha Hospital
Smart CEO Thomas Hundt presents the donation to Deputy Prime Minister Aun Pornmoniroth. Smart Axiata
Smart donates $100,000 gift to the Kantha Bopha Foundation
Smart Axiata CEO Thomas Hundt says his team will leverage Smart's subscribers to raise awareness for the foundation. KT/Chor Sokunthea
Smart to hold charity concert for Kantha Bopha Hospital
The memorial for Dr Peter Studer held in Jayavarman VII Hospital in Siem Reap. Supplied
CEO of Kantha Bopha Foundation passes away
Tags: donations, Kantha Bopha Foundation
Sokhonn to join first Mekong-US meeting
Vietnam replaces border tents with concrete structures


My first job was working in my grandparents' music store. I was a skinny, 14-year-old alphabetizing CDs and cleaning plastic dividers like mad. Every time I smell Windex I'm immediately taken to those days I spent hours listening to music, taking inventory and eavesdropping on the 20-year-olds. Empire Records and High Fidelity both came out during this time period – so to put it into perspective how magical it was to grow up in a record store – the culture was pretty much a combination of those two movies.
When I saw the antiquated, familiar sight of a music store – I stopped in my tracks and took that photo you see here. I got a little twinge in my stomach because it's sad we don't go to record stores anymore. I mean, I know what happened … first discount retailers like Target started selling music, then Amazon started selling more than books, next was the infamous iPod/iTunes story, and today we have streaming services like Spotify. We stopped needing the music store to buy new music a while ago.
I immediately felt connected to the city. I pulled my cute beanie down over my ears and thought about how we're all weathering this storm together. I know it's harsh, but I didn't want to go in – I didn't need to.
Thanks and please keep reading!


text:
§ 46.10 — Insurance Policies and Proceeds
Insurance policies are a special form of the contract rights discussed immediately above. But there is an interesting twist on property of the estate and insurance policies in a Chapter 13 case because of the effect of confirmation on the rights of creditors with interests in the debtor's insurance policies.
Debtors come into Chapter 13 cases with many different kinds of insurance, including life insurance, health insurance, car insurance (collision and liability), credit life insurance, credit disability insurance, mortgage insurance and fire insurance. It is generally recognized that whatever the kind of insurance, the contract becomes property of the Chapter 13 estate.1 The exception would be when the debtor is the beneficiary of an insurance contract that is owned by someone else—for example, a life insurance contract or annuity contract when the debtor is only the beneficiary. In this circumstance, the debtor's rights as beneficiary, but not the contract itself, become property of the Chapter 13 estate.2
There is controversy whether and to what extent the proceeds of insurance become property of the estate when a covered event triggers payments. Though there is general agreement that insurance policies become property of the Chapter 13 estate, by contract the proceeds from an insurance policy are often payable to someone other than the debtor—to the loss payee under a car insurance policy, to the beneficiary of a life insurance policy or to a hospital or doctor that provides services covered by a health insurance policy. Property rights in the proceeds are further complicated in a Chapter 13 case because the rights of those third-party payees and beneficiaries are often affected by confirmation.
For example, the typical contract to finance a car requires the borrower to have collision insurance naming the car lender as a loss payee. The language of car insurance policies varies. Under some policies, the car lender is the beneficiary and is paid the proceeds upon an insurable event. Under other contracts, the car lender has a security interest in the proceeds of insurance. Most policies limit the lender's interest in proceeds by reference to its interest in the car under the loan documents. At confirmation, the whole relationship may change. If the car lender's interest in the debtor's car is modified at confirmation under § 1322(b)(2),3 the car lender's interest in insurance proceeds changes accordingly. As explained by the Eleventh Circuit in Ford Motor Credit Co. v. Stevens (In re Stevens):4
[T]hat the insurance policy is property of the bankruptcy estate, however, does not necessarily mean that the proceeds from that policy are also property of the estate. In some circumstances, a creditor or beneficiary other than the debtor may be entitled to proceeds distributed pursuant to an insurance policy that is property of a bankruptcy estate. . . . Where the debtor has an interest in the insurance proceeds, however, the proceeds are considered property of the bankruptcy estate and distribution of the proceeds is governed according to the terms of the bankruptcy plan.5
Based on policy language, state insurance law and the provisions of confirmed plans, a strong majority of courts have concluded that the proceeds of insurance are property of the Chapter 13 estate when an insurable event occurs after the petition.6 Several of these courts have recognized that insurance contracts are estate property that produce "proceeds"—a separate category of property that also becomes property of a bankruptcy estate under § 541(a)(6).7 It has been acknowledged that the Chapter 13 debtor is no better off than any other beneficiary of an insurance contract with respect to the responsibilities of the insured under the contract: when the debtor made misrepresentations during the insurance company's investigation of the destruction of a car, the insurer was relieved of liability notwithstanding that the insurance proceeds were property of the Chapter 13 estate.8
The outcome of most of the reported cases is that insurance proceeds come into the Chapter 13 estate upon an insurable event, subject to whatever interest a lender has by contract. The Chapter 13 debtor can use insurance proceeds to purchase substitute collateral so long as the debtor respects any interest of the lender.9 The policy language is important—to the extent the contract describes the lender's interest in insurance proceeds as a security interest, courts seem more inclined to find that proceeds are property of the Chapter 13 estate and can be used by the debtor; if the policy gives a third party greater rights than an ordinary security interest, the courts are more likely to limit or exclude the proceeds altogether from property of the Chapter 13 estate.
For example, in First Fidelity Bank v. McAteer (In re McAteer),10 the debtor had a credit life insurance policy. The policy named a bank as primary beneficiary, with the debtor as a secondary beneficiary. The debtor died after the petition. The Third Circuit first found that the credit life insurance policy itself became property of the Chapter 13 estate. However, the court concluded that the proceeds of the policy were not property of the Chapter 13 estate because the bank's right as primary beneficiary trumped the estate's interest. The court stated, "Under the life insurance policy, . . . the insurance company was required to pay the amount remaining under the schedule of indebtedness to [the bank] . . . . The confirmation . . . did not work to erase or alter [the bank's] right, as a third party beneficiary, to collect from the insurance company."11 Another court reached a similar conclusion in the context of a fire insurance policy that required payment of proceeds to a mortgage holder.12
Life insurance proceeds produce complicated property of the estate questions when the insured dies after confirmation of a Chapter 13 plan. As mentioned above,13 under § 541(a)(5) property of the estate includes any interest the debtor acquires within 180 days of the petition "as a beneficiary of a life insurance policy or of a death benefit plan."14 Section 1306(a)(1) then expands the Chapter 13 estate to include "all property of the kind specified in [§ 541] that the debtor acquires . . . before the case is closed, dismissed or converted."15 Section 541(a)(5) thus drags into the Chapter 13 estate life insurance proceeds to which the debtor becomes entitled within 180 days of the petition.16 Arguably, § 1306(a)(1) extends this dragging effect to capture life insurance proceeds to which the debtor becomes entitled at any time during the Chapter 13 case.
Discussed in much detail elsewhere,17 at confirmation § 1327(b) "vests all of the property of the estate in the debtor" except as provided otherwise in the plan or order of confirmation. The courts disagree about what property remains in the Chapter 13 estate and what postpetition acquisitions become property of the Chapter 13 estate when a plan has been confirmed and § 1327(b) vested the estate in the debtor.18 Experienced Chapter 13 practitioners, including many standing Chapter 13 trustees, routinely include in plans or confirmation orders provisions limiting or overcoming the vesting of estate property in the debtor at confirmation under § 1327(b).19 Life insurance proceeds get tangled up in these difficult § 1327(b) issues when death occurs and proceeds become payable to the debtor after confirmation.
Absent a provision overcoming the vesting effect in § 1327(b), life insurance proceeds to which the debtor becomes entitled after confirmation vest in the debtor. However, this would not be the outcome in a jurisdiction that interprets § 1327(b) to vest in the debtor only property that was in the estate at confirmation. By this view, property acquired after confirmation refills the estate, and postconfirmation life insurance proceeds would become property of the (new) Chapter 13 estate. When the plan or confirmation order overcomes the vesting effect in § 1327(b), a strong case can be made that postconfirmation life insurance proceeds come into the (preserved) Chapter 13 estate and must be accounted for by exemption or otherwise.20 In one reported case, the bankruptcy court invalidated a plan provision that ambiguously overcame the vesting effect in § 1327(b) and then concluded that life insurance proceeds received after confirmation when the debtor's son was killed in a car accident were not property of the Chapter 13 estate.21
Insurance proceeds that become property of the Chapter 13 estate and that are subject to a security interest are cash collateral as defined in § 363(a). Under § 363(c)(2), cash collateral cannot be used unless an entity with a security interest consents or the court authorizes use after notice and a hearing. A Chapter 13 debtor who desires to use insurance proceeds that are subject to a security interest must have either consent of the lender or court permission. The cost will almost assuredly be that the debtor provide adequate protection to any creditor with an interest in the proceeds.22
1 See Ford Motor Credit Co. v. Stevens (In re Stevens), 130 F.3d 1027 (11th Cir. 1997) (Car insurance policy is property of the bankruptcy estate.); First Fidelity Bank v. McAteer (In re McAteer), 985 F.2d 114 (3d Cir. 1993) (Credit life insurance policy itself is property of the Chapter 13 estate.); In re Hoffmeister, 191 B.R. 875, 878 (D. Kan. 1996) ("[T]he Hoffmeisters' insurance policies are property of the estate."); Aetna Cas. & Sur. Co. v. Gamel, 45 B.R. 345 (N.D.N.Y. 1984) (Debtor's prepetition interest in a health insurance policy is property of the Chapter 13 estate.); In re Gibson, 218 B.R. 900, 903 (Bankr. E.D. Ark. 1997) ("A debtor's pre-petition insurance policy becomes property of the estate.").
2 See, e.g., In re Constantino, 274 B.R. 580 (Bankr. N.D.N.Y. 2002) (Annuity contract that funds settlement of prebankruptcy wrongful death action is not property of Chapter 13 estate, but debtor's right to receive periodic payments is.).
3 See § 104.1 [ The Power to Modify ] § 74.11 The Power to Modify.
4 130 F.3d 1027 (11th Cir. 1997).
5 130 F.3d at 1029.
6 Ford Motor Credit Co. v. Stevens (In re Stevens), 130 F.3d 1027, 1029–30 (11th Cir. 1997) (Distinguishing First Fidelity Bank v. McAteer (In re McAteer), 985 F.2d 114 (3d Cir. 1993), and citing Bradt v. Woodlawn Auto Workers, F.C.U. (In re Bradt), 757 F.2d 512 (2d Cir. 1995), with approval, insurance proceeds are property of Chapter 13 estate at destruction of car after confirmation, and secured claim holder recovers only the balance of its allowed secured claim as defined by the plan. "In the context of the insurance policy on the truck, . . . the proceeds act as a substitute for the insured collateral. . . . Ford's interest in the insurance proceeds flowing from the destruction of the secured collateral is only as great as its interest in the collateral itself. . . . That interest was defined at the time of the confirmation of the Chapter 13 plan as the remaining principal owed on the truck, with interest at a rate of 12%. . . . Ford is bound by the terms of its allowed claim and is therefore limited to recovering from the insurance proceeds the amount of its debt as determined under the Chapter 13 plan."); Bradt v. Woodlawn Auto Workers, F.C.U. (In re Bradt), 757 F.2d 512, 515 (2d Cir. 1985) (Insurance proceeds for repairs to a car are property of the Chapter 13 estate because the conversion in form of property does not change its character as property of the estate. "Proceeds" in § 541(a)(6) is much broader than the same term under the Uniform Commercial Code.); In re Hoffmeister, 191 B.R. 875, 878 (D. Kan. 1996) (Insurance proceeds from postconfirmation hail damage to debtor's car are property of the estate distributed first to pay the balance of the car lender's allowed secured claim and then to unsecured claim holders under the plan. "The order that confirms the Hoffmeisters' plan specifically provides that estate property does not revest in the debtors until an event subsequent to confirmation . . . . [T]he Hoffmeisters' 1988 Beretta became property of their chapter 13 estate and it will not revest in them until the bankruptcy court approves the trustee's final report and account. . . . [T]he Hoffmeisters' insurance policies are property of the estate, and because the debtors have an apparent shared interest in the proceeds payable on the automobile insurance, the proceeds are also part of the estate. . . . [I]f the debtor's property was part of the Chapter 13 estate, then the casualty or hazard insurance proceeds paid for damage to the same property are proceeds from that property and, thus, are also part of the estate."); Olivieri v. Generali Ins. Co. (In re Olivieri), 238 B.R. 1, 3 (Bankr. D.R.I. 1999) (Debtor has standing to join lawsuit against insurance company to determine whether fire loss on building sold during the Chapter 13 case is covered by insurance. The property involved was property of the bankruptcy estate and thus "the proceeds of any recovery under the policy are property of the estate."); In re Estrada, 224 B.R. 132 (Bankr. S.D. Cal. 1998) (At conversion from Chapter 7 to Chapter 13, surviving spouse's estate includes life insurance proceeds payable on death of spouse within 180 days of the filing of the Chapter 7 petition. Separate estates of joint spouses were not consolidated under § 302(b) during the Chapter 7 case, and the surviving spouse's Chapter 7 case is appropriately converted to Chapter 13 to manage her separate debts and the substantial life insurance proceeds that became assets of her separate estate upon the death of her spouse during the Chapter 7 case. Chapter 7 trustee ordered to transfer insurance proceeds to the debtor in her Chapter 13 case.); In re Gibson, 218 B.R. 900, 903–04 (Bankr. E.D. Ark. 1997) (At postconfirmation destruction of debtor's truck, insurance proceeds are property of the estate subject to the lender's interest as loss payee. "A debtor's pre-petition insurance policy becomes property of the estate . . . . An insured loss generates proceeds that become property of the estate. . . . [P]roceeds that are estate property are subject to the rights of creditors who are listed as loss payees . . . . Pursuant to the policy at issue, the proceeds are to be paid 'as interest may appear.' . . . [U]pon post-petition destruction of collateral, an undersecured creditor's interest in casualty insurance proceeds is limited by the confirmed Chapter 13 plan to the unpaid balance of its allowed secured claim."); In re Coker, 216 B.R. 843, 854 (Bankr. N.D. Ala. 1997) (Distinguishing In re Suter, 181 B.R. 116 (Bankr. N.D. Ala. 1994), proceeds from insurance policy at postconfirmation destruction of debtor's jeep were property of the bankruptcy estate and debtor can use proceeds by providing adequate protection in the form of payments provided in the confirmed plan and a substitute lien on the car purchased with the insurance proceeds. Car lender was not named as loss payee in the original contract of insurance but was granted a security interest in insurance policies and proceeds as additional collateral. Plan contained a provision overcoming the vesting effect of confirmation. "[T]he court finds that the Cokers had an ownership interest and SouthTrust had a security interest in the original wrecked Jeep. Ms. Coker's ownership interest became property of her bankruptcy estate . . . . The Coker Jeep ownership, subject to SouthTrust's secured claim, remained property of the estate after . . . confirmation by terms of the confirmation order. When the Jeep was wrecked, the insurance proceeds from the casualty also become property of the bankruptcy estate, though still subject to the bank's security interest. . . . Since the Coker proceeds are property of the estate and cash collateral, the court may authorize the Cokers to use these funds in their financial reorganization . . . if the Cokers have proposed adequate protection of SouthTrust's security interest in the meaning of 11 U.S.C. § 361."); In re Guentert, 206 B.R. 958 (Bankr. W.D. Mo. 1997) (Proceeds of life insurance on debtor who died after confirmation are property of the Chapter 13 estate under Chicago v. Fisher (In re Fisher), 203 B.R. 958 (N.D. Ill. 1997), and must be included in the best-interests-of-creditors test at modification after confirmation.); Ford Motor Credit Co. v. Feher (In re Feher), 202 B.R. 966, 970–71 (Bankr. S.D. Ill. 1996) (At postconfirmation destruction of debtors' car, insurance proceeds are property of the bankruptcy estate because debtor has a shared interest under contract with car lender. Car insurance provided that upon a collision loss "you and such creditor, as its interest may appear," would be paid insurance proceeds. Confirmed plan provided that Ford had a secured claim of $100. At postconfirmation destruction of car, insurance carrier issued a check to the Chapter 13 trustee for $4,424.63. "Unlike the credit life benefits paid in [First Fidelity Bank v. McAteer (In re McAteer), 985 F.2d 114 (3d Cir. 1993)], the collision benefits here flow directly from the destruction of bankruptcy estate property and, arguably, are a replacement of that property. . . . [T]he policy at issue provides that collision loss benefits are payable jointly to Mr. Feher and to Ford, 'as its interest may appear.' Under the express terms of the contract of insurance, Ford is neither the primary nor the sole beneficiary of the proceeds. . . . Instead, the policy provisions give a shared interest in any proceeds to Mr. Feher and to Ford. . . . In view of the fact that Mr. Feher has a shared interest in any proceeds paid under the policy, the proceeds constitute property of Mr. Feher's bankruptcy estate. . . . Ford's interest in the car amounts to $100.00 and, under 11 U.S.C. §§ 506(a) and (d), Ford's lien is void to the extent it purports to secure an amount in excess of this value."); Carey v. GMAC (In re Carey), 202 B.R. 796 (Bankr. M.D. Ga. 1996) (Because retail installment sale contract granted GMAC "a security interest in . . . any proceeds of insurance policies" insurance proceeds were property of the Chapter 13 estate that could be used by the debtor to purchase a substitute for car totaled after the petition but before confirmation. Court distinguishes In re Suter, 181 B.R. 116 (Bankr. N.D. Ala. 1994), on the ground that in Suter the car lender "was the loss payee of the insurance policy," not just the holder of a security interest in insurance proceeds.); Ledford v. Fidelity Fin. Servs. (In re Hill), 174 B.R. 949, 952–53 (Bankr. S.D. Ohio 1994) (Proceeds of casualty insurance on car are property of the Chapter 13 estate and payable to the trustee to the extent proceeds exceed the allowed amount of loss payee's allowed secured claim. "[T]he issue of whether proceeds are property of a debtor's estate is not simple, but is dependent upon the nature of the policy and the specific provisions governing the parties' interests in the payment of policy proceeds. . . . In this proceeding, the insurance policy provides that any loss as a result of damage to the car is 'payable as interest may appear to named insured [the debtor] and above loss payee [Fidelity].' . . . Fidelity is neither the primary nor the sole beneficiary of the proceeds. The provisions of the insurance contract give an interest in any proceeds to both the debtor and to Fidelity. Although these respective interests would ordinarily be governed by applicable nonbankruptcy law, as a result of the debtor filing bankruptcy these respective interests are governed by the order confirming the debtor's chapter 13 plan." By agreed order, Fidelity had an allowed claim in the amount of $19,729.07 to be paid 59% or $11,640.15. At the time the car was destroyed, Fidelity had been paid $7,070.81. The insurance company tendered $18,350. Fidelity's "interest" was limited to the balance due of $4,569.34, and the trustee was entitled to turnover of the rest.); In re Arkell, 165 B.R. 432, 435 (Bankr. M.D. Tenn. 1994) (Casualty insurance proceeds from the destruction of the debtor's car after confirmation are property of the Chapter 13 estate, and the rights of a creditor with a security interest in the car are limited by the confirmation order. The car was valued at confirmation at $4,500. The first car was destroyed and a second car was substituted after confirmation, but the order of substitution stated that Nissan Motor Acceptance Corporation would be paid in accordance with the terms and conditions of the original confirmed plan. Upon destruction of the second car, "NMAC's interest in the [substitute car] was defined by the confirmation order. After confirmation, this debtor had no obligation to insure NMAC with respect to its unsecured claim. In [First Fidelity Bank v. McAteer (In re McAteer), 985 F.2d 114 (3d Cir. 1993)], the bank's contract right against the life insurance company was not limited by the value of its security interest in the truck. Here, after confirmation, NMAC's only right to payment with respect to the car was the present value of $4,500. If NMAC believed it had an interest in casualty insurance proceeds in excess of $4,500, it had to assert that right before confirmation."); Woods v. John Fox Oldsmobile, Inc. (In re Woods), 97 B.R. 850 (Bankr. W.D. Va. 1989) (Insurance proceeds from destruction of debtor's car are property of the Chapter 13 estate. Creditor with security interest in insurance proceeds is only entitled to adequate protection and is not entitled to possession of the insurance proceeds. Debtor can use insurance proceeds to purchase a substitute vehicle, and secured claim holder will be given a lien on the substitute collateral.).
7 See, e.g., Bradt v. Woodlawn Auto Workers, F.C.U. (In re Bradt), 757 F.2d 512 (2d Cir. 1985); In re Hoffmeister, 191 B.R. 875 (D. Kan. 1996).
8 Byrd v. Atlanta Cas. Co. (In re Byrd), 294 B.R. 808 (Bankr. M.D. Ga. 2003).
9 See § 238.1 [ Loss, Destruction or Surrender of Property after Confirmation ] § 122.3 Loss, Destruction or Surrender of Property after Confirmation.
10 985 F.2d 114 (3d Cir. 1993).
11 985 F.2d at 119. Accord In re Motto, 263 B.R. 187, 194 (Bankr. N.D.N.Y. 2001) ("[U]nder both the applicable New York State regulatory scheme and the terms of the credit disability insurance policy itself, the Debtors have no beneficial interest in the proceeds now being paid to BSB as creditor beneficiary under the policy. As such, those proceeds do not constitute property of the Debtors' estate subject to distribution through the proposed plan.").
12 In re Ivory, 32 B.R. 788 (Bankr. D. Or. 1983) (Fire insurance proceeds are not property of estate because debtor holds only bare legal title without any equitable interest in light of loss payable provision of policy favoring holder of mortgage.). Accord In re Denario, 267 B.R. 496 (Bankr. N.D.N.Y. 2001) (Insurance proceeds from prepetition fire could not be used by Chapter 13 debtor to cure arrearages through plan because New York law required that proceeds first be applied to reduce the principal balance of the mortgage.); In re Suter, 181 B.R. 116, 119–20 (Bankr. N.D. Ala. 1994) (Casualty insurance proceeds payable only to the creditor are not property of the estate except to the extent the proceeds exceed the loss payee's insurable interest as defined by the confirmed plan. Confirmed plan treated AmSouth as secured by a truck in the amount of $6,425 and unsecured in the amount of $1,321. At destruction of the truck, AmSouth's secured claim had been reduced to $2,395.71 by payments through the plan. State Farm paid AmSouth $3,245.95 as loss payee. The debtor moved to substitute a replacement car for the funds paid by State Farm to AmSouth. "Because AmSouth was the loss payee of the insurance policy, the proceeds of the policy are not property of the bankruptcy estate and are payable to AmSouth, at least to the extent of AmSouth's interest in the property insured. . . . The provisions of a confirmed Chapter 13 plan bind all creditors. 11 U.S.C. § 1327. Under the provisions of the plan confirmed in this case, AmSouth was allowed a secured claim in the amount of $6,425.00 . . . . AmSouth's lien on the insured vehicle was at that point, nullified, by operation of Section 506(d), to the extent that it might have otherwise secured an amount which exceeded $6,425.00. AmSouth's secured claim has subsequently been reduced to the amount of $2,395.71 by payments made by the Debtor pursuant to the plan. Consequently, AmSouth's lien on the insured vehicle has been extinguished to the extent that it secures any amount that exceeds $2,395.71. . . . A contract for property insurance is unenforceable except for the benefit of persons who have an 'insurable interest' . . . . Since AmSouth's lien presently secures the sum of $2,395.71, AmSouth's insurable interest in the Debtor's truck cannot exceed that amount. The amount paid to AmSouth by State Farm which exceeds $2,395.71, therefore, must be paid by AmSouth to the Debtor, as owner of the insurance policy.").
13 See § 45.1 [ What Is Property of the Chapter 13 Estate? ] § 46.1 What Is Property of the Chapter 13 Estate?.
14 11 U.S.C. § 541(a)(5)(C).
15 11 U.S.C. § 1306(a)(1).
16 See, e.g., In re Grogg, 295 B.R. 297 (Bankr. C.D. Ill. 2003) (Bankruptcy court applied § 541(a)(5) to conclude that the proceeds of life insurance on the debtor's daughter became property of the Chapter 13 estate when the daughter died within 180 days of the Chapter 13 petition.).
17 See §§ 230.1 [ 11 U.S.C. § 1327(b): Vesting Effect on Property of Estate ] § 120.3 11 U.S.C. § 1327(b): Vesting Effect on Property of Estate, 238.1 [ Loss, Destruction or Surrender of Property after Confirmation ] § 122.3 Loss, Destruction or Surrender of Property after Confirmation and 238.2 [ Effects of Confirmation on Postpetition Claims ] § 122.4 Effects of Confirmation on Postpetition Claims.
18 See § 230.1 [ 11 U.S.C. § 1327(b): Vesting Effect on Property of Estate ] § 120.3 11 U.S.C. § 1327(b): Vesting Effect on Property of Estate.
19 See § 207.1 [ Retention of Property of the Estate: Overcoming 11 U.S.C. § 1327(b) ] § 113.11 Retention of Property of the Estate: Overcoming 11 U.S.C. § 1327(b).
20 See §§ 230.1 [ 11 U.S.C. § 1327(b): Vesting Effect on Property of Estate ] § 120.3 11 U.S.C. § 1327(b): Vesting Effect on Property of Estate, 254.1 [ Application of Tests for Confirmation ] § 126.2 Application of Tests for Confirmation and 266.1 [ To Increase Payments to Creditors ] § 127.9 To Increase Payments to Creditors.
21 In re Richardson, 283 B.R. 783 (Bankr. D. Kan. 2002).
22 See §§ 48.1 [ Adequate Protection of Lienholders prior to Confirmation ] § 47.1 Adequate Protection of Lienholders before Confirmation and 238.1 [ Loss, Destruction or Surrender of Property after Confirmation ] § 122.3 Loss, Destruction or Surrender of Property after Confirmation.
Neidenbach v. Amica Mut. Ins. Co. (In re Neidenbach), 842 F.3d 560 (8th Cir. Nov. 16, 2016) (Wollman, Bright, Kelly) (Homeowners' insurance policy was voided by Chapter 13 debtors when they valued personal property at $7,000 in schedules and valued same personal property at $262,500 a year later after a fire.).
Waldron v. Brown (In re Waldron), 536 F.3d 1239 (11th Cir. Aug. 4, 2008) (Edmondson, Pryor, Johnson) (In postpetition personal injury action, net of exemption amount, uninsured motorist coverage is property of estate; debtors must amend to schedule postpetition recovery.).
Maifeld v. West Coast Life Ins. Co., 516 B.R. 186 (D. Mass. Sept. 5, 2014) (Gorton) (Debtor was beneficiary of lapsed life insurance policy and guardian of insured, but debtor had no property rights in policy.).
Brenenstuhl v. Amica Mut. Ins. Co., No. 10-CV-1365 (CFH), 2013 WL 3327954 (N.D.N.Y. July 1, 2013) (Hummel) (Reference withdrawn of debtors' complaint against home insurance carrier that alleged arson as defense; claims and counterclaims were governed by state contract law.).
Fitzgerald v. Norris, No. 3:12-cv-252-JFA, 2012 WL 1203764 (D.S.C. Apr. 11, 2012) (unpublished) (Anderson) (Former boyfriend of debtor waived interest in insurance proceeds.), aff'g No. 10-01729-DD, 2011 WL 4459182 (Bankr. D.S.C. Sept. 28, 2011) (Duncan) (Property insurance was in debtor's name, and proceeds would be paid to unsecured creditors when ex-boyfriend failed to prove interest after fire loss.), reconsideration denied by 2011 WL 5554268 (Bankr. D.S.C. Nov. 15, 2011) (Duncan).).
Green Tree Servicing, LLC v. Mann (In re Mann), No. 3:07-CV-549-S, 2008 WL 793632 (W.D. Ky. Mar. 24, 2008) (Simpson) (Insurance proceeds from loss of debtors' home belong to mortgagee when confirmed plan vested property of the estate in debtor; confirmation left no interest in trustee for abandonment.).
New York Cent. Mut. Fire Ins. Co. v. Edwards, No. 1:06-CV-1041 (FJS), 2007 WL 655916 (N.D.N.Y. Feb. 26, 2007) (unpublished) (Although adversary proceeding was filed after policy's two-year limitations period for claims, insurance company was liable under breach-of-contract theory when settlement checks were not cashed by debtor. Under New York law, checks are not payment until honored.).
Schwab v. Reamstown Mut. Ins. Co., No. 3:06-CV-0489, 2006 WL 3325645 (M.D. Pa. Nov. 14, 2006) (unpublished) (Chapter 7 trustee can recover proceeds from fire insurance policy for preconversion arson by debtor. Before conversion to Chapter 7, debtor intentionally set fire to debtors' house. After conversion, Chapter 7 trustee initiated suit for fire loss. Cause of action was estate's, and debtor's wrongdoing was not attributable to estate.).
In re Jackson, No. 18-10647, 2019 WL 329424, at *4 (Bankr. M.D. La. Jan. 16, 2019) (Dodd) (Collision insurance proceeds for car destroyed before the Chapter 13 petition belonged to the lienholder and are not property of the Chapter 13 estate. Even if insurance proceeds are property of the Chapter 13 estate, debtor failed to prove that replacement lien on unidentified car together with payments through a plan would be adequate protection of the proceeds. "[W]here motor vehicle collateral is destroyed prepetition and collision insurance proceeds are insufficient to satisfy the debt to a lienholder named a loss payee on the policy, the proceeds are not property of the bankruptcy estate.").
In re Doud, No. 14-21834, 2018 WL 3098687, at *2–*4 (Bankr. E.D. Ky. June 21, 2018) (Wise) (GAP insurance assigned to car lender as part of financing never became property of the Chapter 13 estate and is payable to the lender at destruction of the car notwithstanding that car lender's lien was avoided by the trustee and car lender was treated as an unsecured creditor under confirmed plan. "[A]ll parties agreed that Creditor's lien on the vehicle was avoided in accordance with §§ 544 and 547, that the collateral was preserved for the benefit of the estate pursuant to § 551, and that Creditor's claim would be treated as a general unsecured claim. . . . About two years later, Debtor totaled his vehicle. . . . [T]he State Farm insurance proceeds did not cover the full amount of Debtor's remaining indebtedness to Creditor on its unsecured claim . . . . As a result, Debtor's GAP protection was triggered. . . . [T]he terms of the GAP Addendum provide that . . . Creditor is entitled to receive the GAP benefit as the 'named payee.' As a result, under the terms of the GAP Addendum and the facts presented, Debtor had no entitlement to the GAP benefits . . . . [T]he Chapter 13 Trustee's avoidance of Creditor's security interest in the vehicle does not grant Trustee any rights under the GAP Addendum. . . . [T]he GAP benefit funds are not proceeds of the vehicle. They constitute a payment that became due and owing under the terms of a contract. The avoidance of Creditor's lien has no impact on its entitlement to this separate contract right. . . . While Trustee avoided Creditor's lien on the vehicle, that action did not affect Debtor's separate assignment to Creditor of 'all proceeds from insurance . . . .' . . . [T]he GAP benefits never became property of Debtor's bankruptcy estate.").
Beckham v. Barnhardt (In re Barnhardt), No. 17-80038-JW, 2018 WL 1226070 (Bankr. D.S.C. Jan. 10, 2018) (Waites) (Bankruptcy court denies most of motion to alter or amend determination that Chapter 13 debtor is entitled to life insurance proceeds upon death of codebtor husband.).
In re Roscoe, No. 8:13-bk-06517-RCT, 2017 WL 2839496, at *1–*2 (Bankr. M.D. Fla. June 28, 2017) (Colton) (Life insurance proceeds received more than 180 days after petition are property of the Chapter 13 estate and are captured by trustee's motion to modify to pay creditors to the extent not exempt under state law. "Courts do not agree on whether the proceeds of a life insurance policy are property of the estate if they are acquired more than 180 days into a chapter 13 case. . . . The plain language of section 1306(a) compels the conclusion that any life insurance proceeds acquired by a chapter 13 debtor become[ ] property of the estate until the case is dismissed, closed, or converted. Indeed, this is the opinion of an overwhelming majority of courts.").
In re White, 510 B.R. 884, 889 (Bankr. N.D. Ala. May 16, 2014) (Caddell) (Life insurance proceeds received by debtor husband more than 180 days postpetition at death of codebtor wife were property of estate under § 1306(a)(1). Surviving debtor not entitled to exemption in proceeds under Alabama law, but deceased wife's sole creditors not entitled to share in insurance proceeds. "The effect of filing a joint case is to create two separate bankruptcy estates. . . . Each debtor's estate . . . is entitled to the exemptions as . . . if it were filed as a separate case.").
In re Granville, No. 13-51923, 2014 WL 1347039 (Bankr. E.D. Ky. Apr. 4, 2014) (Wise) (Postconfirmation tort that resulted in destruction of debtor's vehicle was property of estate under § 1306(a); insurance proceeds paid by third party's insurer were property of the estate. Debtor entitled to use proceeds to purchase replacement vehicle in arms-length transaction that included replacement lien.).
In re Holtslander, 507 B.R. 779 (Bankr. N.D.N.Y. Mar. 20, 2014) (Davis) (Casualty insurance proceeds from postconfirmation destruction of vehicle are property of estate subject to lien when confirmed plan did not revest property of estate in debtor. Confirmed plan limits lienholder's recovery to amount due under plan. Plan may be amended to distribute surplus proceeds.).
In re Sizemore, No. 09-61-64, 2013 WL 6328260 (Bankr. E.D. Ky. Dec. 5, 2013) (Schaaf) (Life insurance proceeds received fours years after petition are property of Chapter 13 estate. Section 1306 expands the 180-day time period in § 541(a)(5)(C) to capture inheritance or other "windfall.").
In re Hargis, No. 09-64398, 2013 WL 4514090, at *4 (Bankr. N.D. Ohio Aug. 23, 2013) (Kendig) (Life insurance proceeds and 401(k) that debtor inherited upon death of codebtor 37 months into 60-month plan are property of the Chapter 13 estate; confirmation order overcame vesting effect in § 1327(b). "No one can dispute that the life insurance proceeds and 401(k) monies will provide a source of income to Debtor. . . . Additionally, the funds are property of the estate. Property of the estate is defined by 11 U.S.C. § 1306 and includes after-acquired property and post-petition earnings. Under § 1306(a), the life insurance proceeds and the 401(k) funds are property of the estate. . . . [T]he confirmation order contains a contrary provision for after-acquired property that specifically excepts it from vesting in the debtor. . . . Under this plan provision, after-acquired property and post-petition earnings remain property of the bankruptcy estate.").
In re Castleberry, No. 10-11991, 2013 WL 1397705 (Bankr. S.D. Ga. Mar. 15, 2013) (Barrett) (Distinguishing Waldron v. Brown (In re Waldron), 536 F.3d 1239 (11th Cir. Aug. 4, 2008) (Edmondson, Pryor, Johnson), when vehicle was destroyed in accident after secured creditor had been substantially paid through plan, excess insurance proceeds were not property of estate but revested in debtor at confirmation.).
In re Perry, No. 09-04429-8-JRL, 2011 WL 5909065 (Bankr. E.D.N.C. Oct. 24, 2011) (Leonard) (Insurance proceeds from wrecked car became property of estate; secured creditor is bound by confirmed plan and entitled only to balance of allowed secured claim. Remaining proceeds will be held by trustee pending completion of plan. At discharge, debtors get balance. In event of conversion or dismissal, balance of proceeds go to secured creditor on reinstated lien.).
In re Clay, No. 09-10618, 2011 WL 6117850 (Bankr. D. Kan. June 21, 2011) (Nugent) (When credit union received insurance proceeds postconfirmation from accidental destruction of vehicle, secured claim was reduced by insurance proceeds, leaving unsecured deficiency; plan could be modified to reflect payments on claim from source other than under plan.).
In re Guthrie, No. 08-13000, 2009 WL 2208334 (Bankr. D. Kan. July 20, 2009) (Nugent) (Insurance proceeds from accidental loss of vehicle were property of estate but subject to car lender's security interest; as cash collateral, proceeds may not be used without creditor's permission absent adequate protection. Debtors were permitted to use proceeds to purchase replacement vehicle provided lender's lien became first-priority lien on replacement vehicle of value at least equivalent to proceeds.).
In re Gladwell, No. 06-82063, 2009 WL 140098 (Bankr. C.D. Ill. Jan. 21, 2009) (Altenberger) (Credit disability insurance did not vest in debtor any rights to proceeds until indebtedness was fully satisfied; such insurance is not property of estate unless loan is paid in full.).
Regions Bank v. Avans (In re Avans), Nos. 07-14202, 08-1054, 2008 WL 2485611, at *3 (Bankr. E.D. Tenn. June 16, 2008) (Cook) (Lender is entitled to insurance proceeds for residence destroyed by fire even though incorrect legal description was used in mortgage. Parties intended correct property to be collateral and debtor lacks standing to contest lender's insurable interest. Under Georgia law, "a lack of an insurable interest merely renders the insurance policy 'unenforceable 'except for the benefit of persons' having an insurable interest in the thing insured.'".).
In re Hardin, 375 B.R. 506, 510-11 (Bankr. E.D. Wis. Sept. 11, 2007) (Car lender is limited to balance of allowed secured claim when third party's insurer pays for damage to debtor's car. Debtors' automobile was destroyed after confirmation. Damage was fault of another party whose carrier provided liability insurance proceeds. "Because the policy at issue in this case was not owned by the debtor, the creditor would not be entitled to the proceeds by reason of its contractual right with the insurer. The secured creditor would however have a security interest in the proceeds because under the Uniform Commercial Code's default rule, '[u]nless otherwise agreed a security agreement gives the secured party the rights to proceeds under § 409.306.' Wis. Stat. § 409.203(4) (2000)." Under § 506(a), Ford had secured claim to extent of value of collateral, fixed at time of confirmation; therefore, insurance proceeds are payable to Ford only to extent of balance of secured claim. Any excess insurance proceeds is property of debtors, since confirmation vested collateral in debtors.).
Williams v. Option One Mortgage Corp. (In re Williams), 360 B.R. 99 (Bankr. W.D. Pa. Feb. 1, 2007) (Prepetition damages from fire loss to debtor's home is property of estate. When lender force-placed insurance, coverage is for benefit of both lender and debtor, and lender's failure to protect debtor's interest resulted in $44,780 in damages.).
In re Pitts, No. 04-81133, 2005 WL 8157214 (Bankr. C.D. Ill. Mar. 30, 2005) (Perkins) (Life insurance proceeds received more than 180 days after the petition are property of Chapter 13 estate but are exempt for § 1325(a)(4) purposes when trustee seeks to capture the cash for unsecured creditors by modification under § 1329. Life insurance proceeds are not disposable income because the lump-sum payment was not periodic and debtor's proposal to pay off confirmed plan early satisfies concerns whether debtor is treating creditors fairly. Result is the debtor keeps most of the exempt life insurance proceeds and surety for bank from which debtor embezzled $240,000 takes nothing because bank did not file proof of claim.).
In re Schlottman, 319 B.R. 23, 25 (Bankr. M.D. Fla. Nov. 12, 2004) (Life insurance proceeds on death of joint debtor more than 180 days after the petition are not property of the Chapter 13 estate, but surviving joint debtor is not entitled to a hardship discharge because modification of the plan is not shown to be impracticable. Although a "literal reading" of § 1306(a)(1) would lead to the conclusion that life insurance proceeds payable at any time during the Chapter 13 case become property of the estate, § 1306(a)(1) incorporates § 541(a)(5): "It is fair to conclude that if the provisions of Section 541 apply to define property of the estate, the exclusions also apply as set forth in Section 541(a)(5)." Because only life insurance that the debtor becomes entitled to "within 180 days" of the petition becomes property of the estate under § 541(a)(5), the same limitation applies in a Chapter 13 case.).


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Home » B&M in shock four-partner raid on Norton Rose
B&M in shock four-partner raid on Norton Rose
Griffiths, Catrin
Lawyer;5/23/2005, Vol. 19 Issue 20, p1
Reports that law firm Norton Rose's securitization group has resigned for Baker and McKenzie, leaving the top 10 firm with no capital markets capability at partner level in London, England. Firm's four-partner team; Total billings of the team; Team's securitization client; Partners who resigned that affect Norton Rose's capital markets.
Corporate deals round-up. // Lawyer;12/6/2004, Vol. 18 Issue 47, p8
Presents news items on law firms' involvement in various corporate deals. Lovells' appointment as ING Group's adviser on an agreement to sell the portfolio business of Baring Asset Management; Norton Rose's appointment as adviser to Charles Stanley & Co., the stockbroker involved food group...
Diversity tables put policies above numbers. McLeod-Roberts, Luke // Lawyer;1/3/2011, Vol. 25 Issue 1, p4
The article presents the diversity tables among law firms which have depicted considerable e differences on diversity profiles among larger city firm, smaller regional, and niche counterpart. For 2011, Linklaters LLP has been the first in the Most Diverse Firm table while followed by Baker and...
LAWYER OF THE MONTH. // Lawyer;12/11/2006, Vol. 20 Issue 48, p12
The article profiles Carter Brod, a debt capital markets and international securities partner of the Baker & McKenzie in Great Britain. He specializes in advising on foreign issues and emerging economies of Central and Eastern Europe. He was chosen as the lawyer for the month of December 2006...
Foreign firms face Bahrain licence fight. Middleton, David // Lawyer;6/5/2006, Vol. 20 Issue 22, p12
The article reports that a lawsuit has been launched against the Bahrain's Ministry of Industry & Commerce, the Bahrain Monetary Agency and the international law firms that operate in the country by the Bahrain Bar Association (BBA) and numerous individual lawyers. The suit calls for the...
B&M and Linklaters in Chinese office bid. Power, Helen // Lawyer;3/4/2002, Vol. 16 Issue 10, p13
Reports on the plans of law firms Baker & McKenzie and Linklaters to open a second office in China. Problems encountered by law firms when establishing offices in the country; Strategy used by Freshfields Bruckhaus Deringer to be able to open a second office in China.
Firms following multinational clients. Bertagnoli, Lisa // Crain's Chicago Business;7/8/2002, Vol. 25 Issue 27, pSR5
Reports the law firms with multinational clients in Chicago, Illinois. Number of law firms with offices overseas; Percentage of lawyers working overseas at Baker & McKenzie company; Merger of Mayer Brown & Platt with Rowe & Maw to increase the international presence of the company.
A man of three words. // Lawyer;10/24/2011, Vol. 25 Issue 41, p23
The author presents opinions about the Baker & McKenzie law firm and offers brief information about its former chairman John Conroy, the head Edwardo Leite, and clients of the firm.
Potty time? KFC? Or both? // Lawyer;4/3/2006, Vol. 20 Issue 13, p25
The article comments on a partner from British law firm Baker and McKenzie who stated that he will not be leaving the company's meeting room during crisis meetings, not even to go to the toilet or to eat lunch. Key issues discussed include the problematic aspects of lawyers' liking for crisis...
Baker & McKenzie beats 45 firms to win Colt Europe role. Swift, James // Lawyer (Online Edition);1/20/2012, p13
The article reports that Baker & McKenzie has won the bid to become Colt Group's preferred legal advisor on commercial work across Europe. As reported, the three-year, fixed-fee deal began on January 1, 2012 and is worth around 1 million pounds a year to Bakers. It states that Bakers won the bid...


Four-six bone-in or boneless rib-eye, T-bone, and/or strip steaks cut over 1"
Generously season the steaks with salt and pepper. Press in the seasoning, and dab the meat onto the board to collect any excess.
Combine the baste ingredients in a foil pan or heatproof pan and warm on the side of the grill.
Put the meat on the well-oiled grill and cook until medium-rare (or cook to desired doneness).
Baste regularly, stacking and/or flipping the meat if the flames get out of control.
When the steaks are nicely caramelized and charred on both sides, approximately 15 to 25 minutes total, they are done. (You can check the temp with an instant-read thermometer if that is more comfortable; the steaks should register 125°F).
Combine the board dressing ingredients.
*When steaks come off the grill looking all charred and gorgeous, it'll be tough to resist digging in right away. But letting them rest is essential. Otherwise, a lot of the lovely, tasty juices will spill out when you slice in.
loved this exactly the way the recipe reads. next time, i'll use less olive oil, just to cut down on the calories.
Followed the recipe exactly but it only took 10 to 15 minutes to cook the steak to perfection.
I used steaks that were cut 1-1/4" thick and cooked them for 8 to 9 minutes per side to an internal temperature of 120F. The temperature went up to about 127F after resting for about 10 minutes covered with foil. The steaks were removed from the fridge about 20 minutes before cooking. They were absolutely perfect!
WOW! Made this for Father's Day with oregano, thyme and marjoram. It was a hit with everyone. Should have taken it off the grill sooner but it was moist and flavorful. I didn't skip a step but note you could get away with the dried herbs as well. Just let the basting sauce marry for a little while.
Fantastic.....used fresh Rosemary and dried oregano and sage. Also, had enough basting for 6-7 steaks. One warning.......no way should this be grilled for as long as mentioned. Needless to say, mine did not turn out med-rare , but still very moist, and uber tasty!
Fantastic! Whole family loved the herby twist on plain grilled T-bones. Now I can make it for guests with fillets. Used all of my newly-emerging, post winter herbs: rosemary, marjoram, thyme, sage. Threw the board dressing ingredients into the same blender that had just mixed the baste - fast, easy, same flavors.
The savory herbs are usually thought of with pork, poultry, and game. It was a delightful surprise to use them (I chose rosemary, thyme, and oregano - all fresh) with red meat - such delicious results! And the rib-eye steaks, not one of my favorites, became a totally and pleasingly different taste experience. We enjoyed these steaks immensely. This is a recipe I will certainly use again and will also try the same or similar herbs with other cuts. It was with hesitation that I tried a recipe from a barbecue cookbook, but I am very glad that I did. An excellent meal was the result!
It is the best steak recipe of all time BUT be careful because I got really scared by the flames. They were sometimes out of control. Thank god, i was not the one who was grilling because i would have panicked. The recipe is so simple and it is so good! You should try it. Oh I didn't bother with the board dressing.
I was a little concerned that the reviews were over-stating the recipe. Had this tonight with another couple and everyone loved it. The flavors were perfect. We did thick steaks for the guys and thin steaks for the ladies and it was great. I will definitely use this recipe again.
I used fresh rosemary, sage, and oregano (b/c that's what I grow). Minced the garlic and added to the herbs and oil. Very delicious.
Really good even though we got distracted, which ended up in an overcooked steak that didn't get basted as much as the recipe suggests. Even taking that into account this was borderline amazing, and despite the fact that the meat was pretty close to well done, it was still pretty moist. Can't wait to try it when we're paying closer attention to what we're doing. I predict that I won't have to wait long to try again. As an aside, I used a mixture of rosemary, marjoram and thyme for the herbs. Perfect combo.
We whipped this together easily and it was delish. We cut down the cooking time but other than that we stuck to the recipe. It's a keeper as my husband would say.
I used fillet mignon and it was delicious! I was only serving two so I cut back the proportions. Used rosemary and flat leaf parsley, as this is what I had on hand. Skipped the board dressing and used leftover base to top the fillets after they came off the grill. Based on previous feedback, I lowered the heat on the grill to low so as not to char the outside of the meat to the point of bitter. Overall, a no-fuss tasty meat prep. Will certainly use again!
Unlike previous review rating the picture quality, I will rate the recipe. Excellent prep, although 20-25 min was nowhere in the neighborhood for my grill (much hotter apparently). Great 'crunch' on the outside and very juicy interior (partial to rare steaks, myself). Read: "Cook to desired doneness"


Salt Lake County Addressing is dedicated in working towards enhanced public safety, increased efficiency, and more effective government service by ensuring accurate addressing in Salt Lake County.
Addressing completes various responsibilities, some of these duties include: Validating Addresses, Approving Street Names, and Assigning Addresses. See below for more details on each one of these very important job functions.
Salt Lake County Addressing validates all address information that is entered in our database. When we validate addresses we are ensuring the address is standardized, that there is a frontage (house) number, a directional (N, S, E, W), appropriate street name and the address is assigned to the appropriate parcel. Some other details we look for are the addresses is in sequence with the surrounding addressing information, house numbers are not divisible by 100, and the odd/even house numbers are assigned on the correct side of the street. Dependent on the type of property or specific circumstances we check that address matches recorded documentation.
We validate addresses to ensure mail delivery, delivery services and public safety can easily find you. We provide address information to the United States Postal Service and E911 Dispatch.
What Addresses do we Validate?
Building Permits: Addressing uses this information to verify addresses on corner lots or when a structure has been demolished. We also use this information on historical addresses that were not recorded by document. We provide all building permit address information to the Salt Lake County Assessor's office to assist in the assessment of properties.
Business License: Addressing uses this information to verify multiple addresses on structures. Additionally, this information is used for historical addresses that were not recorded by document.
Subdivision Plat: When a subdivision plat is received in our office, we verify the address information on the subdivision plat and implement the information into our database in a standardized format.
Affidavit: When an address change document is acquired in the Salt Lake County Addressing office, we implement the address change in our address database. We standardize the address and verify the addressing standards are met.
Why Street Name Approvals are needed?
Salt Lake County Addressing approves street names to ensure the street name is available and addressing standards are met. Our office receives a preliminary plat, which includes the configuration of the streets, lots and new street name request. Some of the standards we verify is length of street name, appropriate street type is assigned, duplication of street name and a directional or number is not being used as part of the street name. This process can take several communications between our office and the requester before a suitable name is finalized.
Where do we Assign Addresses?
Salt Lake County Addressing assigns addresses for new development in the Unincorporated County, the Metro Townships (Kearns, Magna, Copperton, Emigration Canyon and White City) and contract city, Millcreek. Our office receives a preliminary plat and assigns the addresses on the plat. It's possible we will review the preliminary plat several times during the subdivision process. Once the plat is finalized and recorded we enter the new addresses into the Salt Lake County Addressing database.


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text:
Volume 19, Number 3 (September-December), 2019
Employess' Organizational Commitment: A Study of Navanakorn Industrial in Phatumtani Province, Thailand
PDF ( 281KB )
Khukrit Silalaiy
Faculty of Education, Ramkhamhaeng University, Bangkok, Thailand
This study aims to investigate and compare the organizational commitment of the employees of Navanakorn Industrial Estate (NIE) in Phathumtani province. The samples for this study comprised 400 NIE employees, based on simple random sampling. The study utilized the organizational commitment questionnaire, which requires 3 factors: affective commitment, continuance commitment and normative commitment. Questionnaires with a 0.955 level of reliability were used to collect the data. Descriptive method research was used to analyze the data by means of frequency distribution, percentage, mean, and standard deviation. The hypothesis testing was done by applying t-test and one-way analysis of variance. The results revealed that the overall organizational commitment of the NIE employees in Phathumtani province was at the good level. The employees gaining different rates of monthly income had different levels of organizational commitment at the significant level of .05. The results of the multiple comparisons revealed that salary rate affects commitment organization.
Commitment, organization, employee, Navanakorn Industrial Estate, Phathumtani
Copyright (c) 2019 Humanities, Arts and Social Sciences Studies (FORMER NAME SILPAKORN UNIVERSITY JOURNAL OF SOCIAL SCIENCES, HUMANITIES, AND ARTS)
All rights reserved. Apart from citations for the purposes of research, private study, or criticism and review,no part of this publication may be reproduced, stored or transmitted in any other form without prior written permission by the publisher.
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Best, J. W. (1981) Research in education (4th ed.). New Jersey: Prentice Hall.
Boehman. J. (2006) Affective, Continuance, and Normative Commitment among Student Affairs Professionals. Unpublished Doctoral Dissertation. North Carolina State University, Raleigh, NC.
Canipe, J. S. (2006) Relationships among trust, organizational commitment, perceived organizational support, and turnover intentions. Unpublished Doctoral Dissertation, San Diego, Alliant International University.
Greenberg, J. (2005) Managing Behavior in Organizations (4th edition). Englewood Cliffs, NJ: Prentice-Hall.
Gubman, L. E. (1998) The Talent Solution: Aligning Strategy and People to Achieve Extraordinary Results. The United States of America: McGraw-Hill Companies, Inc.
Hatwal, V. and Chaubey, D. S. (2014) Factor Influencing Employees Loyalty Towards Organisation: An Empirical Investigation at Educational Institutions in Dehradun, Ge-International Journal of Management Research 2(11):185-203.
Henkin, A. B. and Marchiori, D. M. (2003) Empowerment and organizational commitment of chiropractic faculty. Journal of Manipulative and Physiological Therapeutics, 275-281.
Li-Mei, H., Yueh-Shian, L. and De-Chih, L. (2018) The Moderating Effects of Salary Satisfaction and Working Pressure on the Organizational Climate, Organizational Commitment to Turnover Intention. International Journal of Business and Society 19(1), 103-116.
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State News alumnus competes on 'Jeopardy!'
Dan Netter
Standing on the set of Jeopardy! former editor-in-chief of The State News David Miller poses with acting host Ken Jennings. The episode with Miller as a contestant was taped on Oct. 5 and aired on Dec. 1.
On the Dec. 1 episode of the popular game show "Jeopardy!" David Miller, an alumnus of Michigan State University and a former staff member of The State News, appeared as a contestant.
When asked about choosing the basketball category first by host Ken Jennings, Miller revealed he worked for The State News after the first break in the show. He told a story of the time he met Earvin 'Magic' Johnson when Johnson came into the office of The State News.
"At the end, he took a photo with the entire staff, and everyone is staring straight at the camera, except me, who's looking at Magic Johnson, just jaw agape," Miller said on Jeopardy.
Magic Johnson poses with members of The State News staff in 1999. David Miller, on the right with his head turned, was a contestant on Jeopardy! and talked about meeting Johnson.
Miller attended MSU from 1997 until 2001, graduating with a bachelor's degree in journalism.
Miller said that he had been repeatedly taking the Jeopardy! qualification test since the test went online. He said once he heard back from the show this year and took two more tests and an interview before being asked to compete on the show.
Miller said he taped his show on Oct. 5, and was the third show taped that day. He said there are five shows taped in a day and that each show takes around 45 minutes.
"They spend the morning basically giving you a rundown of how the rules work," Miller said. "You get a couple opportunities to rehearse and get used to the buzzer."
During his time at The State News, Miller said he was a state government reporter, city editor and finally editor-in-chief.
"Being at The State News was one of the most important and formative experiences I had, both in terms of my career but also in terms of the people that I got to know," Miller said.
Miller is currently a director of marketing and communications for Philanthropy Southeast in Decatur, Georgia. He said he likes his job because he gets to still do journalism work and interview members of his organization about the work they are doing in the region.
Miller went on to the Final Jeopardy! round with a total of $10,200, a far climb from the 10-day champion Amy Schneider. He answered the final question correctly, "What is Canberra?" making his final score $12,200, which placed him in second.
Miller said that while he was taping the show, he felt he was staying with Amy Schneider until she got the two daily doubles. After that, he said he realized he would likely not beat Schneider and relaxed a little bit and tried to have fun.
"I didn't win, but it's not because of anything I did," he said. "It was just that Amy is just that good. So I was able to walk out of there very proud of how I did."
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