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Although ideas from a wide assortment of contacts and contracts enter into the planning and creation of the museum's exhibitions, key responsibilities for Two Roads, One Journey were assumed by an esteemed team of individuals from both countries who are committed to telling the whole story.
Nancy Pine, PhD, lead scholar
Internationally renowned researcher and professor, and thought-provoking speaker and author of the new volume Educating Young Giants: What Kids Learn (and Don't Learn) in China and America, Pine's work serves as an inspiration and key platform behind this new exhibition. She founded the Bridging Cultures: U.S./China Program at
Mount St. Mary's College and has taught extensively in both nations. Nancy has won numerous awards, including a City of Los Angeles award for her cross-cultural efforts. Her research and writing provide an important platform for the exhibition.
Greta Nagel, PhD, exhibition coordinator
Inquisitive educator, administrator, professor, and author, Nagel has worked with students ranging from kindergarten to graduate school. Nagel is the author of books including The Tao of Teaching and dozens of articles, most recently an entry about Daoism in the Encyclopedia of Educational Theory and Philosophy (Sage, 2014). Nagel has been the recipient of numerous awards for academic excellence, leadership, and service to education, including being named Woman of Distinction in 2014 by California Assembly District 65. In September 2017, Nagel accepted, on behalf of MOTAL, an award from the Santa Ana City Council for outstanding contributions to the community, and a resolution from the California Legislature commending MOTAL for its role in improving the quality of life in local communities and throughout California.
Pat Casey, student education specialist
Experienced museum docent and longtime educator at the elementary and high school levels, Casey's educational career saw her serve as a trusted middle school counselor in addition to teaching multiple subjects including math and religion. She has served as an expert docent for the historic Rancho Los Alamitos, and she served as lead docent on MOTAL's A Class Action exhibition. Casey led the development of classroom curriculum and docent materials to support Two Roads, One Journey.
Carole Cox, PhD, perspectives on writing and language
Professor, author, and creative thinker with cross-cultural ties in Asia, Cox brought her expertise of storytelling and craft of writing to the Two Roads, One Journey exhibition. Most known as an author for leading textbook publisher
Pearson, Cox's most recent work includes the seventh edition of the popular textbook Teaching Language Arts: A Student-Centered Classroom (Pearson, 2014). She has been recognized for her work within the educational field, notably by receiving the Outstanding Professor award from California State University Long Beach.
Gail Griswold, exhibition designer
Practiced graphic designer and professor with a prominent client portfolio, Gail graphically interprets content to bring exhibitions to life. Weaving text, images, and interactive components for A Class Action and Two Roads, One Journey, Gail has designed other key exhibitions in Southern California as well. She provided visual and conceptual framework for the creative team.
Rick Harrington, contributing scholar
Yale University graduate, Chinese language specialist, former school administrator, and technology project
director, Harrington has directed programs hosting 2,000 Chinese educators at California State University, Fullerton, eager to learn first-hand how Chinese educators view California schools. As a contributing scholar for our exhibition,
Harrington offered rich cultural and linguistic insights to the exhibition planning effort. Rick recently served in Shanghai as the Business Development Manager for Champlain College in Burlington, Vermont.
Naomi Jue, contributing educator
Award-winning teaching consultant and Fulbright scholar, known as a "teacher of teachers" in the areas of science, art, and gifted and talented education, Jue has worked with thousands of visiting Chinese educators. Her dedication to the field of education is evident in her teacher training seminars, which have taken her throughout a variety of districts in Southern California and Southeast Asia. Jue provide Two Roads, One Journey with a wide variety of background from both countries.
Ping Liu, PhD, contributing scholar of bicultural perspectives
Award-winning scholar, author educated in both China and the United States, Liu is a dual-language expert who has been selected to develop curriculum and coordinate programs in many academic and public school settings. She is frequently called upon to mentor others. She provided Two Roads, One Journey with cultural and linguistic translations, ensuring both countries are represented authentically and without bias.
Gaby Mullinax, Photographer
Fullerton Photographics
< Venues |


You may still be able to book by calling the hotel at 973-887-8700.
Comfort and affordability combine at the Courtyard by Marriott Hanover to provide travelers with a lodging experience that's sure to impress even the most picky of hotel guests. Located in Whippany, this affordable New Jersey hotel offer spacious guest rooms that are so decked out in rich fabrics, bold colors and elegant furnishings that you'll be surprised that you're not staying at a five-star hotel. Its 137 rooms and 12 suites are perfect for business and leisure travelers alike, and thanks to amenities that include designer bedding, large work desks, complimentary Wi-Fi, in-room coffee and 27-inch TVs, guests will rest easy knowing everything they need is right in their rooms. The hotel is located just a short drive from Manhattan, so all of the excitement of the Big Apple is only a hop, skip and a jump away. And regardless of what hour of the night you return, The Market is open 24 hours, so you can snack on freshly prepared salad or sandwiches until tomorrow's breakfast buffet.
Courtyard by Marriott Hanover Whippany is a 3-star hotel located at 157 Route 10 East, Whippany, NJ 07981, US . Its nightly price usually falls between $96.26 per night and $329 per night, excluding tax, depending on room category.
At Courtyard by Marriott Hanover Whippany, AAA members often get 17.9-17.9% off the regular rate. For example, on December 1, 2018, a AAA rate of $79 per night was offered - a 17.9% discount from the next-lowest rate. Depending on your itinerary, your savings can be more than the annual AAA membership fee itself! Many Room 77 users are able to pay for their entire AAA membership in a single stay.
At Courtyard by Marriott Hanover Whippany, seniors often get 12.7-12.7% off the regular rate. For example, on December 1, 2018, a senior rate of $84 per night was offered - a 12.7% discount from the next-lowest rate.
$96 per night found for a Guest room, 1 King, Sofabed room type.
For December 1, 2018, a special AAA rate of $79 per night was found for the AAA Promotion, AAA Membership Card Required, - Guest Room, 1 King, Sofa Bed room type.
For December 1, 2018, a special Senior rate of $84 per night was found for the Marriott Senior Discount, 62 Years and Older - Valid ID Required, Guest Room, 1 King, Sofa Bed room type.
Courtyard by Marriott Hanover Whippany sells rooms through sites like Room 77, Expedia, Hotels.com, GetARoom, and many others. Room 77 searches across dozens of different sites to find the lowest discount rates available. The lowest rate we've seen over the last few weeks was found on Room 77. In 1% of the cases we surveyed, all sites offered the same rate. You can compare real-time rates from all of these sites on Room 77. Room 77 is the only hotel shopping site that includes special discounts like AAA, senior, government, military, and corporate rates.


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'Two and a Half Men' finale brings back Charlie ... kind of
'Two and a Half Men' Finale Brings Back Charlie ... Kinda
After twelve seasons and more than 250 episodes, "Two and a Half Men" aired its series finale Thursday night -- and, of course, former star Charlie Harper had to make one last appearance before the show ended for good. Well, kind of.
"I'm telling you, Charlie's alive," said Alan on "Two and a Half Men."
"Oh, good. Then I don't have to tell you," said Rose.
Yes, everyone thought Charlie, played by Charlie Sheen, got hit by a train in Paris on his honeymoon and died at the end of season eight.
But after some investigating, Alan, Walden and the rest of the "Men" crew discovered Charlie's wife and stalker, Rose, actually kidnapped him and stuck him in a pit in her basement, "Silence of the Lambs" style.
But, naturally, Charlie escaped his dungeon fate when Rose wasn't looking and started torturing everyone he knew with threatening text messages and emails. Because, you know, it's Charlie.
"Two and a Half Men's" executive producer and co-creator Chuck Lorre told Zap2it he just had to bring Charlie back from the dead for the final episode. "It would be inappropriate here to not acknowledge the extraordinary success we had with Charlie and how grateful I am to his contribution."
We have to say, the Charlie Harper references weren't the only thing that made the "Men" finale awesome.
There were too many awesome Charlie Sheen references to count ...
"And cover you in tiger's blood," said Walden.
And some not-so-subtle references to the long-standing show's ending...
"I can't wait for this to be over," said Walden.
Did we mention Arnold Schwarzenegger, John Stamos and Christian Slater all made hysterical cameos? Yeah, winning.
Now, we won't spoil the finale's epic ending for you.
As a writer for TVLine so perfectly noted, "'Two and a Half Men' ended with a big, crude and unapologetically vulgar finale. In other words, it ended the only way it knew how."
Also on AOL:
Kutcher writes farewell note to 'Two and a Half Men' co-star Jon Cryer
Meredith Vieira talks Rosie O'Donnell leaving 'The View'
two and a half men charlie back
two and a half men series finale

redpajama_set_name: RedPajamaCommonCrawl


text:
Bull Run Marina Regional Park is a park in Clifton, Virginia, along Bull Run. The park has  of preserved land.

The park has a marina, and has parts of the Bull Run-Occoquan Trail in it. The park hosts many events in crew and is a practice area for the Lake Braddock Secondary School crew team.

External links
Bull Run Marina Regional Park

NOVA Parks
Clifton, Virginia
Parks in Fairfax County, Virginia
Regional parks in the United States

redpajama_set_name: RedPajamaWikipedia


Extract of sample "Book summary"
Download file to see previous pages Kracha is not hitherto focused to lead an American life. During his search he meets Zuska ,a young married woman and falls in love with her. Unfortunately he spends all his money on her birthday by buying her whiskey but does not win her love. His extravagance nature forces him to proceed the rest of the journey on foot. At White Haven, he meets his brother and a Slovak Immigrant Puskin and Dubik respectively. Dubik develops a strong relationship and become best friends. As a result he is Dubik's best man during his wedding.Even after Dubik moves to Andrews steel mill he encourages Kracha to join him.
Kracha emulates the American lifestyle of power and money as he despises his wife-Elena consequently; ignoring her existence for over two years with the hope of winning Zuska's love .Kracha ignores Elena's feeling and declares Zuska as her second wife prompting the Americans to retract from purchasing from Kracha's butcher shop. As a result the business falls and resolves to drinking revealing showing his incompetence in the business as opposed to what is expected in the US .Kracha ends up losing everything including his second wife.
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Longer length sheepskin coat, unlined with long pile for a super soft, cosy fit. The coat can be buckled up with four industrial styled hook and eye clasps for a stark contrast to the supple fur. The Muubaa Tomis coat has a thick shearling collar, lapels, cuffs and hem line for a dense look and snug feel.


Alcomex Jewelry Basic Collections 16" 18K Gold Box Chain. Nickel Free & Resistance against Wear & Tear.
Box chain is much loved for its geometric simplicity and is also known as a Briolette Chain, Square Link Chain and Venetian Chain. With a sturdy yet classically smooth, sleek and uniform appearance, box chain is absolutely a good choice for you to wear alone daily as well as wear with additions of pendants or charms and will adorn you in a simple yet elegant style.


This repository contains an op-for-op PyTorch reimplementation of DeepMind's BigGAN that was released with the paper Large Scale GAN Training for High Fidelity Natural Image Synthesis by Andrew Brocky, Jeff Donahuey and Karen Simonyan.
This PyTorch implementation of BigGAN is provided with the pretrained 128x128, 256x256 and 512x512 models by DeepMind. We also provide the scripts used to download and convert these models from the TensorFlow Hub models.
This reimplementation was done from the raw computation graph of the Tensorflow version and behave similarly to the TensorFlow version (variance of the output difference of the order of 1e-5).
If you simply want to play with the GAN this should be enough.
BigGAN-deep-512: a 56.2M parameters model generating 512x512 pixels images, the model dump weights 225 MB.
Please refer to Appendix B of the paper for details on the architectures.
All models comprise pre-computed batch norm statistics for 51 truncation values between 0 and 1 (see Appendix C.1 in the paper for details).
Here is a quick-start example using BigGAN with a pre-trained model.
See the doc section below for details on these classes and methods.
pytorch_model.bin a PyTorch dump of a pre-trained instance of BigGAN (saved with the usual torch.save()).
If PRE_TRAINED_MODEL_NAME_OR_PATH is a shortcut name, the pre-trained weights will be downloaded from AWS S3 (see the links here) and stored in a cache folder to avoid future download (the cache folder can be found at ~/.pytorch_pretrained_biggan/).
cache_dir can be an optional path to a specific directory to download and cache the pre-trained model weights.
BigGANConfig is a class to store and load BigGAN configurations. It's defined in config.py.
z_dim: size of the noise vector (128 for the pre-trained models).
class_embed_dim: size of the class embedding vectors (128 for the pre-trained models).
channel_width: size of each channel (128 for the pre-trained models).
num_classes: number of classes in the training dataset, like imagenet (1000 for the pre-trained models).
attention_layer_position: Position of the self-attention layer in the layer hierarchy (8 for the pre-trained models).
eps: epsilon value to use for spectral and batch normalization layers (1e-4 for the pre-trained models).
n_stats: number of pre-computed statistics for the batch normalization layers associated to various truncation values between 0 and 1 (51 for the pre-trained models).
BigGAN is a PyTorch model (torch.nn.Module) of BigGAN defined in model.py. This model comprises the class embeddings (a linear layer) and the generator with a series of convolutions and conditional batch norms. The discriminator is currently not implemented since pre-trained weights have not been released for it.
The inputs and output are identical to the TensorFlow model inputs and outputs.
class_label: an optional torch.LongTensor of shape [batch_size, sequence_length] with the token types indices selected in [0, 1]. Type 0 corresponds to a sentence A and type 1 corresponds to a sentence B token (see BERT paper for more details).
truncation: a float between 0 (not comprised) and 1. The truncation of the truncated normal used for creating the noise vector. This truncation value is used to selecte between a set of pre-computed statistics (means and variances) for the batch norm layers.
We provide a few utility method to use the model. They are defined in utils.py.
Create a truncated noise vector.
Convert an output tensor from BigGAN in a list of images.
Convert and save an output tensor from BigGAN in a list of saved images.
Convert and display an output tensor from BigGAN in the terminal. This function use libsixel and will only work in a libsixel-compatible terminal. Please refer to https://github.com/saitoha/libsixel for more details.
Create a one-hot vector from a class index or a list of class indices.
If int_or_list is an int create a batch of identical classes.
Create a one-hot vector from the name of an imagenet class ('tennis ball', 'daisy', ...). We use NLTK's wordnet search to try to find the relevant synset of ImageNet and take the first one. If we can't find it direcly, we look at the hyponyms and hypernyms of the class name.
class_name: string containing the name of an imagenet object.
Scripts to download and convert the TensorFlow models from TensorFlow Hub are provided in ./scripts.


March is all about forming metal!
Kim Thomson has created a brilliant beginners introduction into basic forming, which is a fancy word for shaping metal. The beauty of forming is that metal can be shaped in many ways with various tools and Kim shares with you a few of these techniques to get started.
During #MakeItMonth1, you may have noticed that metal can become hard when you hammer it - this is called work hardening. To make the metal soft and malleable again, you need to heat the metal with a gas torch, this process is called annealing.
When metal is work hardened, it becomes harder to work with and if you keep forcing and hammering your work, it will eventually crack, so annealing your metal will make it easier to work with. When you hammer, twist and bend metal, you compress and miss align its internal structure, causing it to become rigid. To make it soft again, you need to heat it with a gas torch until it goes a dull pinky red colour. The heat realigns the internal structure and this is called annealing. Every time you hammer or manipulate metal it will start to work harden, so it's not unusual to anneal your piece multiple times - heat, beat, repeat!
You need to ensure that you have cleaned all the oxidisation off your metal before you texture it, otherwise you would be hammering the oxides into your metal causing it to become brittle and difficult to clean in the future. If you have pickle, you can use this. Pickle is a term for an acidic substance that will eat away the oxides. Many people use safety pickle as it is not as nasty as other acids, while others use household ingredients such as warm vinegar and citric acid - make sure you always read the safety instructions! If you don't have pickle, you can clean your metal with sandpaper or a wet brass brush.
You will need a gas torch and soldering block so you can anneal your metal - these tools will also be useful for next month when Kim focuses on soldering. Always read safety instructions before starting, create a safe environment, remove any flammable materials from your work area, tie your hair back, have no loose clothing and make sure you have water or a powder fire extinguisher and fire blanket to hand.
Kim shares with you top tips for choosing a gas torch that you can use for annealing and soldering.
Kim recommends our GoSystems Tech Torch, which is a great basic torch suitable for most jewellery work. It delivers a large flame with temperatures up to 1450°C, it heats pieces up to temperature quickly and are great for working with larger items. If you are looking for a gas torch for smaller items such as chains or jump rings, we would recommend our Jewellers Gas Torch.
Kim shows you the important of having a safe and appropriate surface when using a gas torch, showcasing how to use a soldering block. Don't forget your insulated reverse action tweezers, which are a great addition to your soldering kit - they are made from sprung steel so they open when you squeeze the handles, meaning they grip pieces with no effort at all. The wooden insulated handles mean you can handle them directly after using a gas torch without the risk of burning yourself.
Safety first! Always ensure your environment is safe when using a gas torch and use safety goggles to protect your eyes.
Are you a domer or a dapper?
Kim shares an introduction into the doming block (or dapper block), a great tool to have for forming metal. It allows you to create domed curves on your metal and is a great way to add extra interest to the shapes you cut out and create texture with. You don't have to stick to circles, you can dome any shape you can think of! As long as you put it into a dome that is considerably bigger than your metal shape, you can ease it gently into the curved recess.
One of the most basic ways to form metal is with jewellers pliers. It is important to use jewellers pliers rather than generic DIY pliers as jewellers pliers have smooth jaws so are less likely to mark your work compared to DIY pliers that have grooved jaws for grip. Pliers come in many shapes and sizes but the most useful ones are usually snipe nosed pliers for holding your work or making tight bends. Round nosed pliers for making loops and side cutters for cutting little bits of wire. Half round (ring making) pliers are also very useful and Kim will be using those a lot from next month.
In this video tutorial, Kim shares two brilliant ways to form metal to make beautiful earrings.
This brilliant tutorial shows you how to use a gas torch to create little balls on the end of a piece of wire to create head pins. Head pins are great for threading a bead onto, where the ball acts as a stopper to stop the bead from falling off. Kim also shows you how to clean your head pins and how to work harden them before creating a smooth bend in the wire.
Kim shares a great tutorial on how to make an adjustable ring band with an open back. Kim recommends using sheet metal 0.5mm - 1mm thick, you will also need a pen, paper, scissors, metal shears or a saw. Hammer, non metal mallet, ring mandrel and ideally a gas torch to anneal your metal. Kim also shows you how to make the ring super shiny using a teaspoon instead of a burnisher.
We love this video! Kim and Rachel team up to show you a method you can use to form metal into a fold. They also share techniques such as creating texture with a cross pein hammer, how to create flame colouring and how to protect your jewellery pieces with renaissance wax.


text:
IATL
Israel Association for Theoretical Linguistics
To find out more about theoretical linguistics in Israel, follow these links:
The Hebrew University of Jerusalem — Department of Linguistics, Generative Linguistics division
Tel Aviv University — Department of Linguistics
Bar Ilan University — Department of English Literature and Linguistics
Haifa University — Department of English; Department of Hebrew Language; Sign Language Research Lab
Ben-Gurion University of the Negev — Department of Foreign Literatures and Linguistics
The Open University — Course list
About IATL
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his past week, we met Jenn and Dylan for their engagement session in BEAUTIFUL Newport Beach, California. I feel so incredibly blessed to have the chance to work with Jenn and Dylan as they are one of the nicest couples we have worked with. I loved watching these two interact in front of the camera. They are NOTHING but big smiles and big hearts. We've only met Jen and Dylan twice, and both times we feel like we've known them for years. They are also too cute for words... Need I say more? Click here.
Stephen and I stumbled upon this little hidden gem and I was SO excited to be able to shoot here.
I love how soft this field made everything feel.
We had just enough time to head to the beach before all the light was gone and it was FREEZING. if you look close enough, you may see some of Jen's goosebumps. She is such a brave soul to wear such a cute dress in such cold weather!


post office on Lake Worth, 1877-1878.
Fort Jupiter was built in 1838 after a battle with Seminole Indians on the Loxahatchee River. A 9,088-acre military reservation was created around it, including the site of the Jupiter Inlet Lighthouse. The Fort Jupiter Post Office was activated from 1855 to 1856, during the Third Seminole War.
Lighthouse keeper James Armour opened the Jupiter Post Office briefly during 1884. Three years of inactivity followed before Mary Moore "Mollie" Carlin reestablished the office in 1887 at the Jupiter Lifesaving Station, where her husband, Charles Carlin, was the keeper.
The area that includes today's Town of Jupiter was called Jobe (Hoe-bay) by the Spanish, for the nearby Indian tribe. When the English arrived in 1763, they interpreted the name as Jove and referred to the area as Jupiter (in ancient mythology, Jove and Jupiter refer to the same god).
At the present center of Palm Beach, James B. Brown established the first post office on Lake Worth, Tustenegee, from February 27 to October 23, 1877; the office was reestablished with Albert Geer as postmaster from November 20, 1877 until March 11, 1879. At least one map, dated 1878, identifies the island as Tustenegee, a Seminole name. No other reference to James B. Brown has been found, but he possibly arrived on Lake Worth in 1876 with the David E. Brown family.
In 1880, before there was a town or city of Lake Worth, the Lake Worth Post Office was established at the home of Valoris O. Spencer at the north end of Palm Beach. It was long thought to be the area's first post office. Tustenegee had been discontinued for ten months when Spencer and his 20-year-old daughter, Mattie, sailed Lake Worth gathering signatures on a petition for mail service. Although their skiff turned over in a storm, the petition was dried out and used to reestablish a post office. When Spencer's health deteriorated in 1887, George A. Gale took over as postmaster.
Cocoanut Grove House, ca. 1880s. Courtesy HSPBC.
Edmund M. Brelsford and his brother, John, applied for a Palm City Post Office in January 1887, and were notified that the name had been approved for an office near Fernandina just a month earlier. Gus Ganford, a winter visitor from Philadelphia, is credited with suggesting the name "Palm Beach," which was officially recorded in October 1887. The Brelsfords ran the post office from their lakefront store, near the present site of the Flagler Museum.
The first medical doctor on Lake Worth in 1881, Dr. Richard B. Potter, was the postmaster of record at Figulus ("potter" in Latin), established in 1886. The 150-acre homestead—in his brother's name, George Potter—was located south of Southern Boulevard and the Bath and Tennis Club in Palm Beach. After their sister, Ellen, and mother joined them, the Potters moved to the west side of Lake Worth.
Andrew W. Garnett, one of three Kentucky bachelors who had arrived on Lake Worth two years earlier, was appointed postmaster of the Hypoluxo Post Office in May 1886. When it interfered with his farming, Garnett turned it over to Charlie Pierce, his assistant, who moved it to his home. Charlie's father, Hannibal Pierce, replaced Garnett officially in September 1887.
In February 1889 the Dade County seat, representing about 700 residents scattered over 7,200 square miles, was moved from Miami to Juno. The Juno Post Office was established in 1891 by Guy Irwin Metcalf, who published the county's only newspaper; the postmistress was Leahretta C. "Lettie" Field, who died the following year. Lettie's husband, Albert M. Field, donated an acre for the Juno Courthouse, near present U. S. Highway One and PGA Boulevard. When the county seat returned to Miami ten years later, Juno lost its purpose. The present Town of Juno Beach was later established nearby.
in Lantana. Courtesy Florida State Archives.
After Allen Edgar Heyser and Mattie Spencer married in 1885, they built a large home that grew into the first hotel on the west side of Lake Worth, about where 10th Street is today in Riviera Beach. It was first named Oak Grove for five huge trees on the property; the Heysers applied for an Oak Grove Post Office to be renamed Oak Lawn for their hotel in late 1889. Heyser also became a judge that year and the first to hold court at Juno.
In 1892 the Heysers renamed their hotel the Riviera Inn and the post office became Riviera. Mattie Heyser served as postmistress.
A post office called La Paz and renamed Deer Park, and then Jewell, represented a settlement that became the nucleus of the City of Lake Worth. In 1889 Samuel and Fannie A. Jones James, of uncertain and mixed race respectively, were homesteading 187 acres; they established the Jewell Post Office in their home for the small group of families in the area.
As postmaster, Morris Benson Lyman chose the name of Lantana for a post office established in 1892, for the plant that grew in abundance locally. Although Edwin Bradley settled in what became Lantana in 1877, Lyman is considered the city's founder. Lyman arrived from Canada in 1884 and after his family followed in 1887, they filed a homestead and started several businesses. Their home, built in 1889 of durable Dade County pine, still stands at 300 East Ocean Avenue as a restaurant.


The recent quake in Japan hitting a 7.0 magnitude killed 42 people. The two quake that happened on late Thursday and early Saturday had affected the largest city in Kumamoto.
The stock market is an ever-booming industry that always attracts aspiring people from all walks of life wanting to pursue financial freedom.
Read more about What do I need to know about the stock market?
Can a foreigner buy a condo in the Philippines?
Read more about Can a foreigner buy a condo in the Philippines?
Will the Philippines remain top 1 in GDP for 2016?
With the growing talk on the plunging forex rates and social media news on how the Philippine economy is fast declining, it pays to understand the true and current status of our economy by having a look at our Gross Domestic Product.
Read more about Will the Philippines remain top 1 in GDP for 2016?
Security information has always been top priority in the banking business. Capabilities like biometrics have long fascinated audiences in sci-fi and action flicks. Read here to know how the Philippines is catching up on leveling up the security measures of the Filipino banker.
A stock exchange is a financial market to trade various financial products. The best known are stocks and bonds (traditional financial assets). Other generations of financial derivatives have emerged: derivatives products such as forwards, futures, swaps, options and warrants.


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A Russian court has ruled that a research organization must register as a "foreign agent" organization, Human Rights Watch said today. It is the first time a court has required any independent group to register under the "foreign agents" law adopted by Russia's parliament in 2012.
On November 27, 2013, the Kirovsky District Court in Saratov, 725 kilometers southeast of Moscow, ruled in a civil suit brought by a local prosecutor's office against the Center for Social Policy and Gender Studies (CSPGS), an independent group in Saratov that does research on social issues. Similar civil lawsuits brought by prosecutors' offices elsewhere in Russia against three other groups are pending in the courts.
Amendments to Russia's laws regulating nongovernmental organizations, adopted in July 2012, require any organization receiving foreign funding and engaging in "political activities" to register as a "foreign agent" and identify itself as such in all publications.
Russian prosecutors' efforts to use administrative court proceedings to force six prominent Russian groups to register as "foreign agents" were rejected by the courts. Rather than accepting those rulings, the prosecutors opted for civil suits as a new tactic. Prosecutor's offices have brought suits against at least three other groups – Anti-Discrimination Сenter Memorial and Coming Out, both in St. Petersburg, and Women of the Don in Novocherkassk.
The Oktyabrsky district prosecutor's office in Saratov, which had filed the civil suit in September, argued that because CSPGS receives foreign funding and is involved in "political activities," as defined by the law, it was misleading the public by failing to register as a "foreign agent." If the group exhausts appeals and the court ruling goes into effect, the organization will have two weeks to register as a "foreign agent" organization.
If it fails to do so, the head of the organization could risk criminal prosecution under the terms of the "foreign agents" law, and if convicted, sentenced to up to two years' imprisonment. The group told Human Rights Watch it will appeal the ruling.
CSPGS researches contemporary social problems – including governmental social policies – issues analytical publications, and organizes academic discussions. In its civil complaint, the prosecutor's office cited several activities by the group that were deemed "political," including a seminar the group organized entitled, "Review of Social Policy in the Post-Soviet Era: Ideologies, Actors, and Cultures" and an April 2013 publication by the group, Critical Analysis of the Social Policy in the Countries of Former Soviet Union.
"The evidence cited by the prosecutor's office and upheld by the court confirms some of our worst fears that the authorities would define 'political' so broadly that it could include just about any activity," Lokshina said.
In April, at the peak of the nationwide governmental inspection campaign aimed at identifying "foreign agent" organizations, prosecutors and tax officials inspected CSPGS. On April 24, the organization received a "notice of violations" from the prosecutor's office ordering it to register as a "foreign agent" group. On June 25, the group filed a written objection with the prosecutor's office, saying it did not carry out political activities. On September 10, the prosecutor's office filed the civil suit.
The organization's deputy director, Natalia Lovtsova, told Human Rights Watch that in May the local anti-extremism police department summoned her for an interview. The officers indicated that they were running a preliminary check of the group's possible involvement in "extremism and terrorism." She said the officers gave her a list of names asking her if she recognized any of those people as "spies." The list included names of some participants in the group's academic conferences and other events. Lovtsova told Human Rights Watch that she told the officers that she had no idea why those individuals would be suspected of espionage.
The "foreign agents" law contradicts Russia's international human rights obligations to protect freedom of association and expression. Russia's international partners should join forces in urging the Kremlin to stop the crackdown against independent groups, Human Rights Watch said.


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Wingo was recently nominated by the Hollywood Music in Media Awards for his score to "Midnight Special." Will an Oscar bid for "Loving" be next? Check out our full interview for more about his work.
Be sure to make your Oscar predictions. How do you think "Loving" will do with academy voters? Weigh in now with your picks so that Hollywood insiders can see how this film is faring in our Oscar odds. You can keep changing your predictions right up until just before nominations are announced on January 24 at 5:00 am PT/8:00 am ET. Be sure to read our contest rules. And join in the fierce debate over the Oscars taking place right now with Hollywood insiders in our forums.
Best Actress Oscar quiz: Can YOU name all 88 leading ladies? No cheating!


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La elección legislativa de Francia realizada entre el 2 y el 19 de septiembre de 1792 eligió a los miembros de la Convención Nacional.

Fue la primera elección en utilizar el sufragio universal masculino y siendo también esta  Convención electa la que puso fin a la monarquía, instaurado la Primera República. La mayoría absoluta de los escaños lo obtuvo el partido de los Marais (el pantano  o la llanura), una facción de políticas vagas pero en gran parte moderadas. Los montañeses o jacobinos obtuvieron 200 escaños mientras que los girondinos, republicanos más moderados, 160. La participación fue tan solo del 10%.

Resultados

Fuente: Election-Politique

1792
Francia en 1792
Francia


I've been following Viacom's suite against Google/YouTube carefully and today's court events have made for an interesting twist.
Viacom is also complaining about those videos which might have been uploaded to YouTube and shown only to friends.
On a legal front this is a problem for Viacom because they can't know how often this has happened. There's no way to tell. No evidence. No case. (Facebook are currently chanting that too).
The more murky issue, however, is whether "just for friends" counts as a copyright infringement. Certainly if I have a bunch of friends over to watch a DVD then I'm not putting on a "public performance" and I'm not breaking the law. If I had a webcam on in the background and one of my bigmouth buddies in New York was watching - I'm still not breaking the law.
Am I breaking the law if I upload the DVD to an online host and let my friends watch it from there? Ooh. That's trickier. The lawyers will battle it out.
There's a YouTube of Eric Schmidt at Web 2.0 being interviewed by John Battelle which is worth watching. In the video (30+ minutes) Eric Schmidt clearly calls on the "safe harbour" of theDigital Millennium copyright act.
This safe harbour allows companies who move to quickly take down copyright material a "get out of jail free card". Sure. Google had Viacom videos up for ages, in fact, as Google's lawyer David Kramer pointed out that some of the videos on YouTube were uploaded by Viacom itself.
When Viacom fell out with Google and demanded the content be removed, the search engine did act quickly... so Eric Schmidt would say Google's safe as houses. However, what's not certain is whether this Digital Millennium 'safe harbour' applies in this situation.
Viacom may struggle to prove how many/if copyright breaching videos are part of this case. Without that cold hard fact in their case then they're going to struggle.
Google are certainly going to continue to play the corner of simply being a platform where videos can be shared but a platform from which copyright videos are taken down quickly on case of a complaint. Kramer made that clear by saying, "We don't know what works the plaintiffs claim to own," this morning - and that's a mantra we've all heard before.


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Category: Jammu Kashmir Conflict
Mushaal Hussein Mullick, the Chairperson of Peace and Culture Organisation and wife of jailed Kashmiri Hurriyat…
In Indian illegally occupied Jammu and Kashmir, illegally detained All Parties Hurriyat Conference (APHC) Chairman, Masarat…
In Indian illegally occupied Jammu and Kashmir, the All Parties Hurriyat Conference has expressed serious concern…
In Indian illegally occupied Jammu and Kashmir, justice continues to elude the victim families of gory…
Srinagar : A complete shutdown is being observed in Sopore town of north Kashmir's Baramulla district…
Peoples Democratic Party (PDP) chief Mehbooba Mufti today said that Indian government has converted Jammu and…
SOPORE MASSACRE: When 57 civilians were killed, 400 shops and 75 houses burnt down
On the 26th year of the Sopore massacre in which 57 civilians were killed by the…
India on path to self-destruction, can't suppress Kashmiris' struggle: Alvi
President Dr. Arif Alvi has said India was on the path to self-destruction with its Hindutva…
APHC leaders urge UN to implement its resolutions on Kashmir
In Indian illegally occupied Jammu and Kashmir, the All Parties Hurriyat Conference leaders have called upon…
Kashmiris' resolve to continue struggle for right to self-determination reaffirmed
In Indian illegally occupied Jammu and Kashmir, APHC leaders have reaffirmed the Kashmiris pledge to continue…


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Bücher & Filme |
Verfügbarkeit An Lager
Preis CHF 395.00
Preis Art Club (10%) CHF 355.50
Catalogue Raisonné of Paintings, Reliefs, and Sculpture, Volume One, 1940-1953
Written by Kelly scholar Yve-Alain Bois in direct collaboration with the artist, this comprehensive multivolume publication contains exhaustive documentation of each of Kelly's paintings, sculptures, and reliefs.
The catalogue includes thorough and insightful texts, high-quality images of individual works and preparatory drawings, along with provenance information, exhibition history, and bibliographic information, making it sure to be an irreplaceable reference tool for institutions, collectors, and admirers.
This first volume is a stunning beginning to this extensive publication, with the subsequent volumes scheduled for release over the next several years. Encompassing Kelly's work up to his return to the United States from France in 1954, the present volume covers the artist's formative years as a student at the School of the Museum of Fine Arts in Boston and as a young artist living in Paris, where he began painting the abstract forms which would later define his career.
Mehr Produkte zum Thema
Ausgabe Gebunden, im Schuber
Grösse 29,5 x 27,9 cm


text:
Bagley – wieś w Anglii, w hrabstwie ceremonialnym West Yorkshire, w dystrykcie (unitary authority) Leeds. Leży 8 km na zachód od centrum miasta Leeds i 277 km na północ od Londynu.

Przypisy

Wsie w hrabstwie West Yorkshire


text:
How aggressive lawyers, costly lawsuits and runaway medical bills make Detroit car insurance unaffordable
JC Reindl
It seemed about as minor as auto accidents can get.
A car moving less than 5 m.p.h. bumped into a U-Haul van on a Detroit street. The driver of the car didn't even bother to stop. And none of the three men in the truck initially voiced any complaints of injury, according to deposition testimony.
One filed a police report to show U-Haul, and within days, callers claiming to be lawyers contacted all three urging doctor visits and legal claims.
The U-Haul's driver said he wasn't hurt and hung up. A passenger also hung up on his caller, even after he was offered $600-$800 to see the caller's doctor and file a claim.
But the second passenger got connected with a Southfield-based law firm and sued U-Haul's insurance company, claiming more than $25,000 in medical expenses under Michigan's no-fault auto insurance system. Those charges included $9,900 for MRIs and $3,200 for a transportation company to shuttle him to appointments.
A Wayne County judge dismissed the case last year, after the man didn't show up for independent medical examinations of his alleged injuries.
But the lawsuit — and thousands like it filed each year in Wayne County Circuit Court, involving over tens of thousands of dollars in medical bills and in-home benefits — helps explain why Detroit drivers face the highest average auto insurance rates in the country, often more than $3,000 a year for a single vehicle.
Overall, Michigan residents pay the third-highest car insurance rates nationwide, according to the latest figures released by the National Association of Insurance Commissioners.
While carjackings, vehicle thefts, and even racist "redlining" are commonly discussed reasons for the high rates in Detroit, a Free Press investigation finds that runaway medical bills, disability benefits payouts and lawsuits under Michigan's one-of-a-kind, no-fault insurance system play a key role in driving up costs.
Michigan's system allows for unlimited lifetime benefits. In the 11 other states that have no-fault insurance, benefits are capped.
The Free Press investigation found:
A SURGE IN LAWSUITS: The number of lawsuits generally filed by motorists and passengers in accidents who are seeking benefits from their own auto insurance companies — called first-party lawsuits — have nearly quadrupled in Wayne County since 2004, even as accidents have dropped. They now comprise more than two-thirds of the lawsuits in the state.
HIGH MEDICAL BILLS: Some MRI centers that appear frequently in no-fault lawsuits in metro Detroit charge as much as $5,300 for an MRI that would cost less than $1,000 at other facilities or about $500 under Medicare. People involved in accidents, who are often free to go to any provider, sometimes get steered to specific centers where the billing is higher. Plaintiffs in accidents will visit medical providers for months on end to bolster separate negligence lawsuits against drivers of the other vehicle.
PRICY PERSONAL CARE: Some doctors routinely declare people disabled for months after seemingly minor accidents, providing an opportunity for relatives or friends to get paid hundreds of dollars a week for attendant care to help with basic needs such as meal preparation and dressing. Medical transportation services routinely charge auto insurance companies $100 to almost $200 a day to shuttle no-fault patients to and from a single medical appointment — even one just 2 miles away.
SOLICITATION OF VICTIMS: It is illegal in Michigan to solicit people who have been in accidents for commercial purposes, such as legal services or physical therapy, within 30 days of the car crash. But in a review of hundreds of lawsuits filed in Wayne County, the Free Press found multiple examples of people being solicited within hours or days of an accident.
NO FRAUD WATCHDOG: Michigan — unlike many other no-fault states — has no dedicated no-fault insurance fraud watchdog. Other states such as Florida have contained medical costs by aggressively pursuing fraud in urban areas.
Of course, residents of urban areas generally pay more for car insurance than those in less populated ones because of busier roadways, more frequent crashes and high theft rates. Those circumstances all factor into the higher price of car insurance in Detroit. But it's the large expense of no-fault benefits — on top of all the other factors — that make car insurance in Detroit so expensive.
THE PRICE TAG: 6 more reasons why Detroiters face such high auto insurance premiums
"A whole lot of people are moving out of the neighborhoods because they can't afford car insurance. It's almost as much as a housing payment," Detroit Mayor Mike Duggan told Lansing lawmakers last month. "This is devastating for us."
Driving up the costs is the aggressive and sometimes illegal solicitation of people involved in Detroit crashes by others directing them to lawyers or medical clinics. The city also has seen an explosion of advertising on billboards, buses, TV and radio from personal-injury attorneys and referral services. Plaintiffs get reeled in with promises of up-front cash, benefits to family members and friends for attendant-care services, and hopes of a much larger payout in separate negligence lawsuits.
In the end, it is Detroiters who pay the price: Insurers pass on the high costs of no-fault claims to customers through higher premiums — specifically using ZIP codes to place those costs in the geographic area where the individuals who generated the claims reside.
Insurance companies blame lawyers; lawyers blame insurance companies
Lawyers insist they are forced to file lawsuits to make recalcitrant insurance companies pay what is due to victims.
Others say Michigan's no-fault law is ripe for scams that benefit lawyers and medical providers, but result in insurance premiums that are increasingly unaffordable. That, in turn, becomes a factor in people's decision to move into or out of Detroit and affects the city's growth and future, business and civic leaders say.
These lawsuits typically end with an insurance company settlement. Critics say auto insurers often settle bogus claims to avoid the bigger expense of continued litigation. Oftentimes, the total settlement stays confidential. But among cases where at least part of a settlement was recorded, a Free Press examination found insurers commonly paid out $12,000-$80,000, sometimes more.
Adding fuel to the frenzy is the common practice of accident attorneys taking a one-third cut of their client's medical billings and disability benefits payouts after a first-party lawsuit is settled.
Frank Scafidi, spokesman for the Illinois-based National Insurance Crime Bureau, an insurance industry-supported organization that partners with law enforcement to address fraud, called Michigan "the crown jewel for people who seek to game the system."
"Everybody is lined up at the trough," Scafidi said.
However, Joumana Kayrouz, one of metro Detroit's most visible personal-injury lawyers, said the real culprit is insurance companies who don't take care of accident victims.
"I file lawsuits every single day because insurance companies don't do what they're supposed to do," she said.
Attorney George Sinas, general counsel for the Coalition Protecting Auto No-Fault, also blamed auto insurers for the spike in first-party lawsuits.
"They can deny with impunity thousands and thousands and thousands of claims," he said in an interview Friday. "They force people to sue to get their benefits, and when insurance companies do that they're driving up the costs."
Detroit drivers pay, on average, about $283 per month per vehicle for full coverage, or $3,396 a year, according to a survey by Duggan's office.
That's more than double the statewide average of $1,350 in 2014, which was the third-highest of the 50 states, just below Louisiana and New Jersey, according to the most recent data of the National Association of Insurance Commissioners. The association put the national average at $982.
Detroiters use their personal injury protection (PIP) benefits twice as often and for twice the average amount as policy holders in the suburbs — $60,000 in Detroit versus $32,000 in claims among suburban drivers, according to an actuarial study commissioned by the City of Detroit and released in 2015 by Bloomington, Ill.-based Pinnacle Actuarial Resources. The largest component of a typical Detroit auto insurance policy is the PIP — 44% of the cost, according to the study.
PIP includes benefits such as emergency room care, doctors visits, physical therapy, chiropractors, surgeries and medical transportation, as well as in-home attendant care.
Of course, many Detroiters are on Medicaid or Medicare — or lack insurance completely. In those cases, no-fault insurance is the primary payer if they get into an auto accident — forcing Detroit residents to rely more on their PIP benefits.
However, Matt Coffey, an attorney at Fordney and Coffey in Saginaw who represents insurance companies in lawsuits, said people who have been in crashes often keep using their no-fault benefits to go to physical therapy and doctors appointments for months on end because of encouragement from lawyers.
They tell clients -- that by generating more medical bills for auto insurance to pay -- they're demonstrating a severity of injury that will increase their odds of winning a separate, negligence lawsuit against the other driver.
"Some lawyers will say to these people, 'Look, the longer you treat, the more money I'm going to be able to get to you,'" said Coffey, who is a lecturer on insurance at Central Michigan University. "The majority of plaintiffs lawyers don't do that. But you see some less-reputable attorneys that are doing that."
Steve Gursten, head of the Michigan Auto Law firm in Farmington Hills, called the exploitation of no-fault benefits a "Grand Canyon-sized loophole in our no-fault system.
"All of the other lawyers now see the incredible amounts of money that some bad actors are making, and it's an incentive for more people to jump on the bandwagon with ever more billboards and ever more radio commercials.
"They're making all of their money because that person with that very minor whiplash is now going to get eight months of medical treatment and have $100,000 in bills," said Gursten, who has been outspoken on his blog, about abuses that he believes imperil the no-fault system for injured people who need it.
In response to rising costs, Connecticut, Georgia, Colorado and other states abandoned no-fault altogether.
For this investigation, the Free Press reviewed 1,500 first-party lawsuits filed in Wayne County Circuit Court in early 2015. The cases were far enough back for most to already be adjudicated with outcomes available. The Free Press also interviewed dozens of insurance experts and attorneys who represent accident victims, medical providers and insurers.
In Wayne County, the number of such lawsuits have nearly quadrupled since 2004, reaching 6,327 last year, according to data by the State Court Administrative Office. That figure also includes cases filed by the motorist's medical care providers seeking payment for bills the person generated.
These cases have also been on the rise statewide and surpassed negligence lawsuits in volume for the first time in 2012. There were 9,077 first-party cases in the state last year, compared with 7,822 negligence cases.
These first-party lawsuits are different from the negligence lawsuits in which one driver sues another after a crash. No-fault insurance, enacted in 1973, was designed to reduce negligence suits and make it easier for car crash victims to get medical care.
Accident victims pitted against their own insurance companies
To be sure, some vehicle crashes are serious and those injured need expensive medical care, sometimes for the rest of their lives.
Ashley Hogan, 26, of Midland, who was paralyzed from the waist down in a 2013 auto accident, is able to live more or less independently, thanks to unlimited no-fault benefits, including in-home care and household assistance.
"Without it, I don't know where I would be, probably in a nursing home somewhere living off the state," she said.
Some of the most visible personal-injury attorneys in Detroit, including Kayrouz and Carl Collins III, told the Free Press that their firms provide a valuable service that keeps insurance companies honest about paying justified medical bills and no-fault benefits.
"I believe if the insurance companies would pay and do their job, then there would not be the increasing number of lawsuits there are," Collins said.
Charlie Parkhill, an owner of the Recovery Project, a metro Detroit rehabilitation center that treats many accident patients, said he hasn't yet had to sue insurers for payment on bills but "the general feeling among providers is they are making it more and more difficult all the time."
"We do, from time to time, have to get an attorney involved to make it happen," he said.
However, attorney Coffey, who regularly represents insurance companies in first-party lawsuits, said there are good reasons why auto insurers often resist paying the big medical bills that some patients ring up.
"The reason insurance companies are cutting people off — and this is true in metro Detroit and it's true anywhere — is you see these long periods of treatment for soft-tissue injuries, and the people aren't getting better, and they keep going back and back and back" to the same medical providers, he said.
"That, of course, flips a red-light switch on for the insurance company — 'Why is this person not getting better?' — and the response of the person is, 'Well, I don't have to get any better. There's no requirement that you have to get any better. You're supposed to treat me as long as it's reasonable and necessary,' and so they send them to a (independent medical examination) and they cut them off, and that immediately starts a lawsuit."
Critics say having an auto policy in Michigan is essentially paying for health insurance twice. That is because regular health insurance would still be there to cover auto accident injuries if Michigan wasn't a no-fault state.
Supporters of no-fault note how the system offers more comprehensive coverage after accidents than private health insurance — including in-home nursing care, long-term physical therapy and lost wages — and call it a godsend for people who are catastrophically injured.
"No-fault is a protection for all citizens against being injured by an uninsured motorist in a catastrophic accident, and frankly, it's a model for the country," said Oakland County Executive L. Brooks Paterson, who was severely injured in a 2012 car accident.
SAFETY-NET: How no-fault insurance helped paralyzed woman rebuild here life.
Duggan says a reform option he proposed two years ago, called D-Insurance, could reduce average premiums for Detroit drivers by $600 to more than $2,000 a yearby giving Detroiters an option to purchase car insurance policies with a monetary cap on medical benefits. His plan, which required legislative approval, was vigorously opposed by the hospital lobby and many plaintiffs attorneys. It ultimately stalled in Lansing.
The mayor, a former Wayne County prosecutor and Detroit hospital executive, said in his State of the City Address in February that "the system is completely out of control. ... And we know what the problems are. The hospitals and the medical community are charging triple what they're getting from Blue Cross."
"Lawyers are taking … a good chunk of the medical bills and they're taking them in legal fees — driving the costs up more," Duggan said. "And of course, the insurance companies pass all of this on with a profit. So the insurance companies are doing fine, the lawyers are doing fine, the hospitals are doing fine, and all of us are paying the bill."
Police have estimated that 60% of people in Detroit lack insurance but still drive. It's a firm rule that motorists in Michigan who drive without insurance are ineligible for no-fault benefits. But injured pedestrians and passengers in uninsured vehicles are still entitled to them, often through a program called the Michigan Assigned Claims Plan.
The program's existence helps to explain why Detroiters are filing frequent no-fault claims, even though many in the city can't afford Detroit's high car insurance rates.
Wayne County residents filed for 49% of the record $248 million in assigned claims in the state in 2015, even though the county represents about 18% of Michigan's population, according to Terri Miller, who recently retired as executive director of the Michigan Assigned Claims Plan.
$5,000 for a single MRI?
Exorbitantly priced MRI scans are Exhibit A of how medical bills are overwhelming the no-fault system.
The Free Press found commonly utilized MRI centers just outside Detroit that charge more than $5,000 per MRI to Detroit patients' auto insurance companies.
These prices exceed what area hospitals charge — typically about $1,900 to $2,600 per MRI, according to hospital representatives and bills reviewed by the Free Press. Medicare recently paid about $500 per image in the region, and some metro Detroit MRI centers now offer $250-$350 cash rates for cost-conscious consumers.
Of course, health insurers such as Blue Cross Blue Shield ordinarily negotiate significant discounts off the full list prices of medical services.
However, auto insurers — compelled by the complex economics of health care billing and the fine print of Michigan's no-fault law — often pay much higher charges than private health insurers. Many no-fault medical providers are in standalone clinics, unaffiliated with major hospital systems, and don't participate in billing networks that can give negotiated discounts.
Peter Kuhnmuench, executive director of the Insurance Alliance of Michigan, an industry group, noted how the no-fault law requires auto insurers to pay "reasonable charges" for services that were "reasonably necessary." Courts have defined "reasonable charges" as what a hospital or clinic would bill a patient without insurance, typically the medical provider's "charge-master" rates, which are list prices for services that in health care typically reflect big markups.
"There is no agreement on what is a 'reasonable charge' for a medical service," said Gursten, the attorney with Michigan Auto Law. "What that has done is create an entire industry of provider lawyers and provider lawsuits where, unfortunately, with certain doctors and certain medical providers, there is an incentive to pad bills."
Even medical charges that courts deemed reasonable can still seem exorbitant. A jury in Ann Arbor's 15th District Court in 2015 found it reasonable for an MRI Center in Southfield called Silver Pine Imaging to bill and collect $5,300 per MRI from an auto insurance company. Lawyers in Wayne County lawsuits have cited that decision as precedent for auto insurers to pay large MRI bills in full.
Situated in a light-brown building on 10 Mile in Southfield near Lawrence Tech, Silver Pine Imaging was among the highest per-image MRI billers in the 1,500 no-fault lawsuits the Free Press reviewed. In one case, Silver Pine demanded payment from Travelers Insurance in 2015 for six MRIs at $5,300 each that were performed on a Detroit car crash victim. The bill for those six MRIs totaled $31,800 — enough to buy a well-equipped car.
Similar rates have been charged at what was Horizon Imaging LLC — $5,300 per MRI — and Southfield-based Affiliated Diagnostics of Oakland, which billed $4,950-$5,250 per MRI and was the most frequently visited MRI center by patients in the first-party lawsuits the Free Press reviewed.
Those charges far exceeded what some of the MRI centers initially told state regulators they anticipated charging.
When applying for a state "certificate of need," Silver Pine in 2011 estimated that it would charge $700 per MRI, and Affiliated Diagnostics estimated in 2010 it would bill between $425 and $512 per scan, according to the Michigan Department of Health and Human Services. Horizon Imaging's former price estimates are no longer on file with the department.
In fairness, department spokesman Bob Wheaton emphasized that MRI price estimates are not legally binding. Those figures are generally used just to evaluate the financial sustainability of a medical provider's business model and are not for regulating charges, he said.
Repeated calls seeking comment from Silver Pine's office and its attorney were not returned. A representative for Affiliated Diagnostics did not return multiple messages left by phone and in person at the Southfield office.
A woman who answered the phone at the number used by Horizon Imaging said the MRI center was now Gravity Imaging and that no one was available to discuss Horizon's past MRI billings.
There are some MRI centers in metro Detroit that charge far lower prices to consumers who aren't paying with auto insurance. For instance, Central Medical Imaging in Royal Oak charges $350 for cash-only patients and Basha Diagnostics offers $250 cash specials on Sundays for certain body areas.
Basha Diagnostics' owner, Dr. Yahya Basha, said his high patient volume allows him to keep modest prices and still turn a profit while using top-of-the-line MRI equipment. Although his $250 specials are for cash-only patients, Basha said his MRI charges to insurance companies — amounts he declined to specify — are half what area hospitals charge.
Basha said his rates are popular with patients whose health insurance carries a high deductible and who are compelled to look around for deals.
In years past, patients rarely bothered to research the costs of medical services because they only had to worry about co-pays — their insurance would pick up the remaining cost, whatever it was. But those days are ending because more health insurance plans carry significant deductibles that patients must pay before coverage kicks in, commonly about $1,500 to $3,000 for an individual.
Michigan's no-fault auto insurance, however, still offers patients all-you-can-use medical coverage — no co-pays and generally a $300, or sometimes $500, deductible.
"Blue Cross used to be like a credit card — no co-pay, no deductible, or very little if any," Basha said. "So the patients had no sensitivity to the cost of health care and what the facility charges. Now, the people are sensitive to prices, and that's the reason we get called every day."
$100 for a short ride to the doctor
Big bills for shuttling patients to and from therapy and doctors appointments are another contributor to the high cost of auto insurance in Detroit.
These rides are a no-fault benefit for patients who have been deemed unfit to drive by a doctor or sometimes a chiropractor. Local medical transportation companies — some independent, some run by clinics — specialize in shuttling patients.
The cost of these rides — typically in minivans — is charged to auto insurance and is free for the patient. Because patients commonly have three or more rehab and doctors appointments scheduled each week for a period of months, transportation bills add up quickly and routinely hit thousands of dollars.
A common flat rate in metro Detroit for no-fault insurance patients is $100 per round-trip for short distances, such as 12 miles. For longer rides, companies might calculate their bill using pickup fees, drop-off fees and per-mile charges. Some companies charge $45 for pickups, $45 for drop-offs and $3.50 per mile.
These rates are well beyond what consumers in general pay for cabs or the popular Uber ride-hailing service. A metro Detroit Uber ride this month cost $3.15 for base fares, then 70 cents per mile (plus 15 cents per minute).
Getwell Medical Transport in Southfield was a commonly utilized transportation company in the lawsuits the Free Press reviewed.
Getwell once charged State Farm Insurance a $100 fee each time it shuttled a Ferndale man to and from his house to a chiropractic clinic less than 2 miles away, according to court records and the patient's bills. Getwell's total billings for the patient over many months came to $3,500.
Meanwhile, the severity of the young man's accident injuries from the 2013 accident came into question after he was observed on surveillance video catching buses and walking around Ferndale on his own.
The man initially became eligible for the transportation rides based on a doctor's diagnosis. However, another doctor who performed an independent medical examination for the insurance company said the man wasn't that hurt and shouldn't have been prescribed the transportation. Getwell only provided the man's rides and had no involvement in his diagnosis or treatment regimen.
An attorney for Getwell Medical Transport said the company's charges are reasonable and below those of other medical transportation firms. The attorney, Gary Blumberg, emphasized that medical transportation is an unpredictable business in which insurance companies routinely delay payment or pay less than is owed.
"They wait sometimes years to get paid," he said. "Sometimes they don't get paid at all."
Tender Care Transportation in Dearborn Heights routinely charged $191 each time it shuttled a Detroit no-fault patient to and from a chiropractic clinic in Southfield, a 42-mile round trip in the van, court records show. The female patient's auto insurer at first paid these ride bills, but stopped once it became skeptical of the woman's need to continue chiropractic treatment. Tender Care then sued Farmers Insurance for the outstanding $6,909 transportation balance.
Tender Care co-owner Matt Shwehdi said in a 2015 deposition that his company provides a lot of rides to people recovering from auto accidents. His standard rates at the time were $45 for pickups, $45 for drop offs and $3.50 per mile. Asked whether he ever accepts less from an insurance company than what was billed, Shwehdi said he sues if an insurer fails to pay in full.
Tender Care ultimately didn't get its bill paid in this case. A judge in Royal Oak's 44th District Court ruled last year in favor of Farmers Insurance and its argument that because the woman's ongoing chiropractic treatments weren't medically necessary, neither were her van rides to the Southfield clinic. Tender Care had no role in the patient's diagnosis or treatment.
Attorney Wayne Miller of Farmington Hills-based Miller & Tischler, who often represents medical providers in first-party lawsuits for payment from auto insurers, said hospitals and clinics routinely see their bills cut in settlements.
He said insurance companies sometimes invite such litigation as a cost-control strategy by paying just part of a bill, then waiting to see whether the provider accepts the reduced amount or goes to court for the full amount.
"It is the norm for service providers to take significant discounts off of the stated charges," said Miller, an adjunct law professor at Wayne State University who teaches classes on no-fault insurance.
Attendant care ripe for abuse
In-home nursing services, known as "attendant care," can be a valuable although costly no-fault insurance benefit, as hourly billings extend over days, weeks, months or years.
The Free Press investigation found the benefit is also ripe for abuse.
Doctors routinely find people too injured for physical activities after seemingly minor accidents, providing an opportunity for relatives or friends to get paid roughly $11-$22 an hour to provide the in-home care.
"The big brass ring is the attendant care," said Miller, the former director of the Michigan Assigned Claims Plan. "There's where there's really a ton of fraud and abuse."
In one case, Geico agreed to pay a Southfield mother and her friend to provide 24-hour attendant care to the mother's son, who was catastrophically injured in 2013 when he was hit by a vehicle while crossing a street. He sustained traumatic brain injury, required a tracheostomy and now uses a wheeled walker to get around.
Both women were licensed nurses. They took turns working 12-hour shifts and initially were paid $20 per hour and $16 an hour, respectively, according to court documents.
But once the mother incorporated her own attendant-care business, Rapha Care & Rehabilitation Corp., to provide care in August 2014, she began demanding payment rates of $75 per hour for herself and $70 per hour for her friend. The daily bill for the young man's care surged to $1,740, or $635,100 per year.
The mother also incorporated her own transportation company, which charged to drive her son to medical appointments, including $149 for every round-trip to a rehab center less than 12 miles away, according to court documents and billing statements.
The auto insurer balked at paying the new rates.
"It is unfathomable how incorporating, yet working out of the home, warrants an hourly rate of $75 per hour and $70 per hour," Geico's lawyers wrote in court documents.
Geico also hired a private investigation service to conduct surveillance on the home. The company, Advantage Investigations, reported that the women weren't always there with the son during the hours billed. The case ended this year with a $750,000 insurance settlement for past attendant-care bills; future attendant care will be paid at a to-be-determined rate.
Miller said she has encountered similar situations in which a single family member will be paid to provide 24-hour attendant care for an injured relative.
"Can a person really provide attendant care 24 hours a day? The answer to that is no," Miller said. "But what we're told in court is, 'Well, I have to sleep with one eye open and be on call if they call out in the middle of the night,' and literally we lose (the case)."
In another first-party lawsuit, a Southfield-based company called Caring Heart Attendant Care sued the insurer American International Group, known as AIG, over nonpayment of attendant-care bills for a woman hurt in a September 2012 crash. But the company's case began to unravel as details emerged about its business and the purported severity of the woman's injuries.
Caring Heart billed for providing 24-hour attendant care to the woman during the month of July 2014. However, undercover surveillance found the woman outside her residence and unattended during some of those hours as she drove a vehicle, went grocery shopping and lifted objects by herself, according to court documents.
It was revealed that AIG had paid out more than $100,000 to Caring Heart, but the company paid just $14,400 of that money to the three home health aides who actually provided the care.
When Caring Heart's owner, Jarrett Beavers, was asked where the rest of the money went, he replied, "The overhead of the company" and did not offer specifics, according to his deposition testimony.
A judge dismissed the lawsuit last year. Beavers did not return multiple phone messages seeking comment, and the lawyer who represented his business, Michael Fergestrom of the Dollar Law Firm, also didn't respond.
'Hanging out the welcome mat' for fraud
Even as it offers the most lucrative benefits, Michigan is one of the few no-fault states without any dedicated auto insurance fraud watchdog.
"The fact that Michigan doesn't have a fraud authority is like hanging out a welcome mat for unscrupulous individuals," said Lori Conarton, communications director at the Insurance Alliance of Michigan.
Andrea Bitely, a spokeswoman for the Michigan Attorney General's Office, was unaware of any state-level investigations into no-fault fraud.
"There isn't a dedicated unit that is looking at that directly, but our criminal division would be responsible for prosecuting fraud that is brought to the Attorney General's Office," she said.
Jane Boudreau, a former Oakland County Sheriff's sergeant, is CEO of Jane Doe Investigations, a private company that regularly investigates no-fault claims for auto insurance companies.
Boudreau said her Commerce Township-based firm has encountered scores of questionable injury claims across the state in which a person professes to be seriously injured from a car accident but doesn't look very injured at all. Many of these cases involve substantial monetary claims for in-home care and months of $20-per-day for help with household chores.
One of the most egregious cases involved a man who was claiming attendant care and other no-fault benefits for his supposedly serious car crash injuries, but who was caught participating in a mixed-martial arts cage fight in Traverse City.
She recalled her surprise at discovering how auto insurers regularly agree to monetary settlements in first-party lawsuits, even when evidence of exaggerated injuries or fraud seems overwhelming. Boudreau said a high-ranking official at a major insurance company explained that the cost of settling these cases is often less than fighting them.
"They are giving away free money," Boudreau said of auto insurers. "I hate to say that. But the big picture is, do you want your insurance company to go to trial and spend $60,000 to $70,000 on all the depositions and all the motions, or do you just hand them (the plaintiff) $8,000?"
'When did you get hurt?'
In the case involving the rented U-haul, Southfield-based law firm Wigod & Falzon initially represented the U-Haul passenger, Johnathan Cabil, in his first-party lawsuit for more than $25,000 in no-fault benefits.
Managing partner Lawrence Falzon told the Free Press that his firm had nothing to do with the mystery callers who urged the men in the U-Haul to see doctors and file claims. Falzon said his firm received Cabil's case from a different law firm that he would not name.
Court documents say Wigod & Falzon dropped Cabil as a client following a "breakdown in the attorney-client relationship."
"I get all of my cases through other law firms," Falzon said. "I don't advertise; I don't solicit; I don't do any of that stuff."
But Antoine Wilcox — who was driving the U-Haul and is Cabil's uncle — was incredulous to learn his nephew claimed to be injured after what Wilcox considered a minor accident, according to his deposition testimony in Cabil's first-party lawsuit for no-fault benefits.
"I said, 'Johnathan, when did you get hurt?'" Wilcox said in his deposition. "'Well, Uncle Tony, they said come down there 'cause it's an injury that I won't know until (I) come in.'"
"I told him, 'Johnathan, whoever that was, you should have just told them you wasn't hurt.' And he said, 'Well, Uncle Tony, I need the money.'"
A Wayne County Circuit judge last year dismissed Cabil's lawsuit. Cabil could not be reached for comment and didn't return several messages that were left through Wilcox.
In a phone interview last month, Wilcox said he is still surprised that the solicitors obtained his contact information and details of the U-Haul incident so quickly. "It wasn't even 24 hours before they called me," he said.
The precise outcome of the case's medical bills situation isn't clear from court filings. However, lawyers say that medical providers almost always write off their unpaid no-fault bills should litigation against an insurance company fail or the settlement amount fall short. Patients are rarely, if ever, forced to personally pay outstanding balances in no-fault cases.
And it's Detroiters who pay the price
For many Detroiters, such as Darryl Pesti, 26, a maintenance worker and single father of two young girls, car insurance rates in the city are nearly unbearable. He said he pays $260 a month to insure his 2007 Chevy Cobalt and has a cousin in Arizona who pays only $140 a month for two newer cars.
"It's just completely outrageous how much they're charging people in Detroit versus somewhere else," he said.
On months when his budget has been especially tight, Pesti said he has had to drop his car insurance and hope he doesn't get pulled over.
"I have been pulled over for it," he said. "The tickets are easier to pay than the insurance."
Contact JC Reindl: 313-222-6631 or jcreindl@freepress.com. Follow him on Twitter @JCReindl.
PART 2 (Coming Monday): "Are you hurt?" The aggressive solicitation after accidents in Detroit


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Newark police say man fatally stabbed mother with children at home
Michaela Sumner
Newark Advocate
NEWARK — Authorities have charged a Licking County man with murder, after they say he stabbed a young mother to death, leaving her body in the home with three young children.
According to a news release, Newark police were called to a home on West Church Avenue at 11:35 p.m. Thursday, after a woman asked them to check on her sister.
Upon arrival, police found the body of Kayla Kemmerling, 24. Police also found her three young children and quickly removed them from the home. The children, all under the age of 5, were placed into the custody of Licking County Children Services.
According to police, Kemmerling's family had called police after receiving a message from Kemmerling's boyfriend, Christian Micah Young, also 24, of Newark.
"You might want to go get the kids up at the apartment. They're sleeping right now," he said, naming the children. "I'd hate for them to wake up to seeing (the victim's) dead body. I left a message with the police but, who knows when they'll actually check it. Don't worry, I'll be disappearing for good."
Kemmerling's sister provided the text message, which alleged the victim was cheating on him, to detectives, police said.
According to the complaint, Newark police pinged Young's cell phone to find his location at a rest area in Hocking County. With the help of the Hocking County sheriff's office, Newark police said Young was taken into custody while sitting in his vehicle at the rest stop.
Police said detectives interviewed Young, who they said confessed to causing Kemmerling's death.
During an interview with a Newark police detective at the Hocking County Sheriff's Office, police said Young admitted to stabbing Kemmerling multiple times, including once in her ear. Police said Young admitted he had been planning the attack for days, but wanted to confront the victim.
Police said Young also admitted to sexually abusing the victim after he believed she had died.
According to a Newark police report, provided to The Advocate through a records request, officers noted the words "I'll be back, the end is here" written in blood, along with a pentagram, above the victim's body. Officers said a knife was stabbed in the middle of the star.
At least one officer noted a "very large knife" laying nearby the scene.
Officers reported making a human barricade once the children were located in the home, shielding them from the scene and covering their eyes as they carried them out, where they waited with officers.
According to the report, one child was taken into custody by the father, and the other two were taken into the custody of Licking County Children Services.
According to Licking County court records, Young was charged with one count of aggravated murder, an unclassified felony, on Friday.
Magistrate Mattie Klein set bond at $2 million. Assistant prosecutor Darrin Burgess requested that amount citing the nature of the offense and Young's flight afterward.
Young requested to be able to contact one of the children of the victim, of whom he was the father, to ensure the child was being cared for. Klein ordered Young not to have any contact with the victim's family.
A grand jury will review the case for possible indictment and possible additional charges.


In what is being seen as an effort by SoftBank founder Masayoshi Son bridge to what he believes is the gap between the actual value of the company and the market value of the company, the Japanese investment firm has announced a share buyback worth as much as 600 billion yen. This announcement resulted in the shares of the company reaching their highest in a decade with a 17 per cent jump. This is also viewed as a change in the focus and strategy of Son to invest in tech companies and start-ups.
The buyback program would be financed by the money that the company raised from its initial public offering launch worth 2.4 trillion yen initial public of its telecommunications units in December last year. The increase in the stocks of the company is the largest for the company since November of 2008.
"This latest buyback changes the equation and puts a floor under SoftBank stock," Atul Goyal, an analyst at Jefferies Group, wrote said in a report.
On Wednesday, while explaining the share buyback decision by the company, Son claimed that the total holdings of SoftBank was to the tune of 21 trillion yen net of debt, and at the same time the firm carried a market value of just 9 trillion yen. This gap has even been described in the company's corporate website and it showed that stock trading at a 50 per cent discount to a sum-of-the-parts calculation that includes the telecoms unit, Alibaba Group Holding, US carrier Sprint Corp and Yahoo Japan Corp.
"What is that gap all about? Isn't that weird?" Son said at the briefing. "I personally think the share price is too low."
More than twice that amount was added by the 600 billion yen buyback to the stock value of the company. The market capitalization of the company increased by about 1.9 trillion yen, to reach 11 trillion yen.
SoftBank has previously held successful buybacks. Shares worth as much as 500 billion yen were announced to be bought back by the Japanese firm in 2016 which had also resulted in a significant increase in its stocks. The price doubled over the next year.
Son said that out of the amount that the company raised through the IPO of its telecom unit, it would expend 600 billion yen for the share buyback, 700 billion yen would be invested and 700 billion yen would be used for debt repayment.
"The share repurchase fits perfectly with the goal of boosting the company's valuation," said Naoki Fujiwara, chief fund manager at Shinkin Asset Management.
SoftBank said, all of the shares that the firm's Vision Fund held in US graphics chipmaker Nvidia Corp, valued at 398 billion yen, was sold by the company in January. Reports about the possibility of sale of the shares first came out in the public in December through sources. A net loss of 50 billion yen on the stocks was incurred by SoftBank in the three quarters before the sale.


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Welcome to the home of The Legend of The Sword.
If you're looking for updates and information, please head over to The Legend Of The Sword's Facebook page, as it is easier for me to update there than here.
Eventually you will be able to find concept and inspirational pictures here and perhaps a few excerpts from the books as well.
When her Grandfather Arlon dies, young Katula Karliema learns that she comes from a very noble and important lineage. Her ancestor Melindar once fought a great enemy called Mandrith. When he defeated him Melindar's sword was shattered. Now, Mandrith again threatens the world and only by gathering the pieces and reforging her ancestor's sword can Katula hope to defeat Mandrith once and for all. Led by her wise and mystical Uncle, joined by a band of varied companions, and guarded by the noble but stern Darnothians, she sets out to reforge the great sword.
Copyright © 2019 The Legend of The Sword. All Rights Reserved.


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Pop Culture Happy Hour: 'Key And Peele' And Crowds Of Critters On this week's show, we look at the sketch comedy returning for its fifth season and the world of minions, Smurfs and trolls.
Pop Culture Happy Hour: 'Key And Peele' And Crowds Of Critters
July 10, 201510:16 AM ET
Listen to Pop Culture Happy Hour
This week's show features our great friend Gene Demby of NPR's Code Switch and opens with a discussion of Key & Peele, the Comedy Central sketch show that's just come back for its fifth season. We look at some of what's to come in the early part of season five, as well as what we like best about what the duo has already done.
Our other segment was inspired by the opening this week of Minions, starring the little yellow critters who first showed up in Despicable Me. We talk about the rise of the army of little gremlins/Smurfs/Ewoks, and about when those little guys can and cannot support spin-offs all their own. (Our own Glen Weldon has Ewok opinions, which may not surprise you a whole lot.)
As always, we close the show with what's making us happy this week. Stephen is happy about his editing playlist, and he's got an album to recommend. In addition to playing the game he talked about last week, Glen is all happy about a new Netflix documentary that casts new light on some of his brunch listening. Gene is happy about a podcast that I wholeheartedly join him in recommending, as well as about two sports documentaries you might want to check out. And I am happy about the big sports story of last week as well as about perhaps the greatest sports-adjacent television drama ever. Not big news, but hey, sometimes you're just happy about the things that last.
Find us on Facebook or follow us on Twitter: the show, me, Stephen, Glen, Gene, producer Jessica, and pal and producer emeritus Mike.


Legacy is an event for women of all ages and stages. Join us for an evening of fellowship, enjoying supper together, and listening to our own Lisa Siebert.
Please bring, if you are able, a $5 suggested donation with you the night of the event.