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Interstellar Links to Göbekli Tepe
S1:Ep1031 minsNovember 28, 2017Guest: Andrew Collins, Linda Moulton Howe, Graham Hancock, Michael Cremo, Jack Cary, Gregg Braden, Freddy Silva
Was Göbekli Tepe built as a sacred interstellar portal connecting the people of Earth with extraterrestrial civilizations? As we conclude Season One, our team of researchers explain that Göbekli Tepe is aligned with the Cygnus constellation and constructed in harmonic resonance with the periodic signals beaming from one of the constellation's stars. These signals have been found to be transmitting multiples of eleven, which can be found in Pascal's triangle, and encoded within the placement of the megalithic pillars. As the world's oldest monument, built in the cradle of civilization, this discovery may be our strongest evidence connecting the establishment of human civilization under the rule of the Annunaki. This presentation was originally webcast November 28, 2017.
TOPICS FROM THE EPISODE:
✓ Proof of Alien Civilizations? – Astrophysicists theorized the pulsing of Tabby's star in the Cygnus constellation to be caused by the movements of a massive artificial structure, perhaps a Dyson sphere.
✓ Geometric Patterns Across the Cosmos – Astronomers detected signals from Tabby's star that have a startlingly regularity, reflecting multiples of 11 that can be found in Pascal's triangle.
✓ Why was Göbekli Tepe Hidden? – Most archeologists believe the site is 13,000 years old and deliberately buried to conceal its secret from the world until an appointed time.
✓ Göbekli Tepe's True Age – Archeologists believe this site was constructed near the end of the last ice age and in use for 1,500 years before it was abandoned in 8,000 BC. It could, however, date back much further, as evidence from the site shows humans may have lived there millions of years ago.
Featuring: Andrew Collins, Linda Moulton Howe, Graham Hancock, Michael Cremo, Jack Cary, Gregg Braden, Freddy Silva

redpajama_set_name: RedPajamaCommonCrawl


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Switzerland Considers Electric Vehicle Ban To Avoid Blackouts
December 2, 2022 - admin
By Tsvetana Paraskova
Switzerland could limit the use of electric vehicles (EVs) in cases of electricity supply shortages this winter under a new four-step plan to prevent power cuts and blackouts.
To ensure energy security this winter, Switzerland could become the first country to limit the driving and use of EVs, German daily Der Spiegel reports, citing multiple media reports on the Swiss four-stage action plan to avoid blackouts.
Driving EVs could be banned in Switzerland unless in cases of "absolutely necessary journeys" in stage three of the power conservation plans. The country also plans a stricter speed limit on highways in the recently proposed action plan, which has yet to be adopted.
Switzerland typically imports electricity from France and Germany to meet all its power demand, but this year supply from its neighbors is constrained.
In France, the nuclear fleet availability is much lower than usual, which has led to the country becoming a net importer of electricity after decades of being a net exporter. The French electricity grid is at higher risk of strained power supplies in January 2023 than previously estimated due to lower nuclear power generation. The country could face the risk of power cuts this winter when electricity supply may not be enough to meet demand, Xavier Piechaczyk, the head of grid operator RTE, said earlier this week.
In Germany, the situation is similar, as utilities are having to make do with no Russian pipeline gas supply.
Switzerland's power supply remains uncertain for the winter and troubles with enough electricity capacity cannot be ruled out, the Swiss Federal Electricity Commission, Elcom, said as early as in June. Due to the expected lower availability of French nuclear power generation and of France's power exports to Switzerland, the Swiss imports of power generated in France is likely to be much lower this winter compared to previous winter seasons, Elcom said.
Therefore, Switzerland may need to cover its electricity import needs of around 4 gigawatt hours (GWh) from imports from its other neighbors Germany, Austria, and Italy. However, the power export availability of those countries would heavily depend on the available fossil fuels, mostly natural gas, according to Elcom.


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Drug management
Value-Based Care
Pharm D Corner
Tomorrow's Medicine
Contributing Voices
Giving Members a Say In Benefit Plan Design
Group Health Cooperative and Geisinger Health Plan are two insurers that want members to weigh in on coverage issues
Carol Milano
What if you asked your members to participate in decisions about their benefits and the care they receive? "Everyone's afraid that patients will have unrealistic, costly expectations and demands. But for 30 years now, when we involve them in discussions, we often find they have practical, less costly suggestions," says Beverley Johnson, president and CEO of the Institute for Patient- and Family-Centered Care in Bethesda, Md.
Including consumers in determinations affecting their own health care had been a slowly growing trend. Now, Johnson sees momentum building. "Where it's new is at the health plan level. Instead of just doing surveys, having members on working committees and councils is where you really start seeing change in the nature of conversations about improving safety, quality, and the experience of care," she finds.
How members participate
Seattle-based Group Health Cooperative has members participating throughout its system. "They keep us patient-focused, at every level," says Anne-Marie LaPorte, director of governance services.
At Geisinger Health Plan in Pennsylvania, "We always try to get our members to do what they need to for their own health," says Duane Davis, MD, chief medical officer and vice president. When Geisinger Health Plan decided to invite members to join its technology assessment committee, he recalls, "We thought they might not understand the technology, with all the methodologically complex data. But they read all the material, and ask good questions — sometimes some of the toughest ones we get. They'll call us on things, like pointing out that only 14 people were in a study they read." Typical questions: "Will this really improve the net quality of care?" and "Is this better or more effective for me as a patient?"
Johnson says, "What we've missed in health care is bringing in, in a substantive way as part of a dialogue, the patients' ongoing perspective. It often includes subtle, small things to improve care."
Of course, the patients' perspective in these programs is somewhat filtered. Some of the laypeople from member companies who sit on the working committees and councils at Geisinger, Group Health, and other health plans contacted are representatives of the businesses' human resource departments.
Davis, who chairs Geisinger's quality improvement committee, says that these members "give us a real-world view, from people who don't deal with health care all day, every day. We may not even be aware of things they tell us about."
Members have said, for instance, "You may not know about this barrier that we see as patients" or, "If you presented that information in a certain way, we would understand what you want us to do."
"Laypeople actively engage in discussions and deliberation and vote just as other members do," observes Bret Yarczower, MD, a medical director who co-chairs the technology assessment committee at GHP. "They ask about details of a procedure and question the evidence. They may also personalize what's under review, or give a perspective of how a patient might perceive a given intervention. They broaden the perspective of the committee."
At each meeting, Group Health's medical technology assessment committee reviews new, expensive technology. "Consumers provide great perspective," LaPorte declares. "Patients read all the research on both safety and efficacy, point out if the data seem flawed, and make recommendations about the need to buy. Many times, they'll say there's not enough data to support buying this, which leads to savings." Among the procedures and devices rejected since 2010: HDR radiation therapy for prostate cancer; implanted pain pumps for patients with chronic non-cancer pain; and radio-frequency ablation of Barrett's esophagus with dysplasia.
Missed appointments
A Group Health committee that considers the care for the elderly has begun looking into missed appointments. "We're exploring how much money is being lost all along the clinical stream," says LaPorte. "In our big system, the figure could be in the millions of dollars." This particular committee is just advisory and consists only of members.
Phillip Krebs, manager of medical policy and clinical guidelines, who co-chairs the technology assessment committee, says Geisinger will not refuse to cover a service solely on the basis of cost. Each committee's focus is on quality of evidence, demonstrated outcomes, and safety. However, "All these decisions have cost consequences — something can be a more or less costly intervention. If it's demonstrated that the [potential] service is safe, our emphasis is on the health benefit, not the cost. There can be a positive or negative effect on premiums," Krebs adds. "Almost by default, improving a member's health care may have a downstream benefit, by avoiding later costs, like readmission."
Several years ago, Geisinger's technology assessment committee considered Oncotype DX. This individualized genetic profiling technique for early stage breast cancer assigns a recurrence risk score. If the score is high, chemotherapy is recommended. With a lower risk score, an oncologist and patient may feel reassured enough to decide she can be spared chemotherapy's toxicity and discomfort. When the committee first reviewed Oncotype DX, it was early in the development and the committee did not believe that there was enough evidence to support coverage.
As evidence accumulated, the chairmen brought it back to the committee for reconsideration. This time, the members did approve Oncotype DX. Krebs calls this an example of "a service with a cost assigned to it that could result in lower total costs later on by avoiding both a risk [chemotherapy] and a costly treatment."
Proton beam therapy, a type of radiation delivery, had been researched and tested for certain indications before it was brought to Geisinger's technology assessment committee. During lengthy discussion, plan members questioned whether the new therapy was necessary, expensive, or hard to produce.
Because good evidence showed that other existing methods provide the same benefit for most tumors, the lay members said, "There's an added cost but no net increase in quality of care," and voted against the expense. And the full committee agreed.
However, Geisinger's discussion of proton beam therapy ultimately required a two-pronged solution. Yarczower, the Group Health medical director, explained to the committee that while it is very costly, "for intracranial tumors, which need a very high level of precision, this is probably the best approach for treatment." The committee then approved proton beam therapy for this particular diagnosis, but not for other types of tumors.
Surgical option
Lay members of Geisinger's technology assessment committee were also involved in discussion of sleeve gastrectomy, a surgical option for morbidly obese patients with comorbidities. They may not be good candidates for other bariatric surgical interventions, like laparoscopic gastric banding and gastric bypass. The questions for Geisinger's technology assessment committee at its January 2011 meeting were:
Is the evidence sufficient to evaluate sleeve gastrectomy?
Does the evidence show that it gives a safe, enduring health benefit?
Is it approved by the FDA?
After a bariatric surgeon's presentation and discussion of the research material each participant had studied beforehand, the committee deliberated. "The decision was whether to recommend this option to the health plan, based on whether it meets our criteria, and what coverage criteria should be developed," Yarczower says. Since the committee's determination that the evidence is sufficient to recommend sleeve gastrectomy, plan revisions have been completed. "A new medical policy of coverage for this procedure is now in effect."
In January, Group Health's pharmacy and therapeutics committee, concerned about morphine and oxycodone abuse, considered adding another long-acting pain medication as an alternative. A Group Health member spoke passionately against offering another narcotic, despite potential savings. "With her serious worries about community drug abuse, she was against adding another strong, long-acting drug. Her opinion carried the day," LaPorte recounts.
Asking physicians and plan administrators how to fix a system often produces the most expensive solutions, Johnson contends. "But inviting patients to participate gets you to the most important, real issues," she says. Concerned about medication errors, MCG Health Partners in Augusta, Ga. asked members on an advisory council about medication safety. They responded, "We know what medications we take, but in the hospital you hand us a pill, and say 'Here are your 10 p.m. meds,' without telling us what they are. We need to know.'"
Acknowledging members' uneasiness regarding inpatient medications, MCG now has night nurses print drug information to give along with the dose. "It's inexpensive, but a tremendous value," says Johnson, who recommends greater focus on educating members about all their prescriptions. "They want to know more about what they take, why, when, and what side effects to look for."
Lay members on committees often press for patient education. To cut costs, Group Health had decided to eliminate Resource Line, a program that mailed members brochures on health topics such as incontinence and smoking cessation. Group Health members on a medical center advisory committee concerned with care for the aged insisted on the need to have a hard copy of information on important health topics mailed to homes, especially for seniors. They asked Group Health to rethink the decision. The postal program was reinstated.
Education was also an important concern when Group Health's P&T committee discussed gabapentin for epilepsy at its January 2011 meeting. Its two plan members provided substantial suggestions about educating both providers and the several thousand patients who might take the drug. As Group Health develops its communications plan, member feedback will influence the educational component.
Stakeholders' interest
Davis sees a bottom line for having consumers on Geisinger's committees. "Our members care a lot about costs, because it affects their premiums."
For Yarczower, " It's important for us that they be there, because they are stakeholders. So we think it's important to welcome them at the ground level, where these decisions are made. We're mindful that every decision we make has members at the end of it."
Reach Carol Milano regarding this article at CMilano@ManagedCareMag.com.
Recruiting and selecting members
Depending on the needs of the health plan, member participation can vary considerably in numbers, composition, and influence
At Geisinger Health Plan, most current lay members are benefit administrators or company executives at a group that signed on with Geisinger. While undeniably valuable, they might not represent the views of the rank and file.
Group Health, since its establishment in 1947, has encouraged member participation. The health plan has developed a thorough selection process for its dozens of committees. "We always look for consumers to get involved in their health care," says Anne-Marie LaPorte, director of governance services. Information about volunteering is sent along with annual meeting notices, brochures, and flyers. On the Group Health Web site's member participation page, a member can fill out a form about his interests and concerns.
Appropriate match
Once a member asks about committee participation (by phone, Web, or e-mail), LaPorte's staff gathers more information about experience, skills, and motivation, then hunts for an appropriate match. When a dietitian with a medical background called, she turned out to be a good fit for pharmacy and therapeutics. With an older member, Group Health might suggest a suitable subcommittee in the diverse Senior Caucus, a special interest group for members with three standing committees: executive, health care coverage, and legislation.
Screening intensity varies by committee. Group Health's medical center advisory councils, which review contracts to help determine whether Group Health is applying its benefits fairly, are open to all members. In contrast, medical technology or pharmacy and therapeutics are highly selective, because members have to read and assess research material. "If they can't contribute, they'll be frustrated, and I would be, too," LaPorte says.
Big commitment
Some members can contribute far more time than others, both for meetings and preparation. The P&T committee has a long quarterly meeting. Medical center advisory councils might meet eight times a year.
Committee membership is a big commitment, agrees Duane Davis, MD, Geisinger's CMO. "Participating requires reading a lot of material. Our volunteers are religious about it. We look for a member dedicated to helping." Both quality improvement and technology assessment usually include three or four plan members.
Technology assessment has a quarterly in-person meeting. Its subcommittee performs a kind of triage. In up to eight electronic meetings a year, "They help to channel the most appropriate topics to the full committee. They do initial reviews of all the ideas, to see if there's enough evidence to merit a full review," says Phillip Krebs, manager of medical policy and clinical guidelines, who co-chairs the technology assessment committee.
The only committee member who votes as a Geisinger staff member is Bret Yarczower, MD, a cochairman and a pharmacy director. Every other participant —physicians and lay members — votes independently. "That was a deliberate decision, so Geisinger can never be accused of self-serving decisions," Yarczower notes.
The benefits of member participation are multifaceted. At Group Health, "Committees help us be accountable to our members in a different way," says LaPorte. "Our surveys show that members want to give back. If we use their time wisely, they're willing to contribute."
Plan members serving on committees inspire staff members and physicians to work in new, more satisfying ways, says Beverley Johnson, CEO of the Institute for Patient- and Family-Centered Care. "When you work side by side with patients, who [may be] living through diabetes or AIDS, it's wonderfully inspiring and energizing," she says.
Committee participation at Geisinger is completely voluntary for lay members, as well as for researchers and physicians, Yarczower points out. "We get to review so many different topics that all our committee members find the meetings fascinating."
The marketing department often mentions that the health plan includes lay members on its committees. "Few, if any, have a clinical background, but they do remarkably well with all the technical materials," says Yarczower.
Laypeople on Geisinger's committees usually find the meetings fascinating, says Bret Yarczower, MD, a plan official.
"We've missed, in a substantive way, the patients' ongoing perspective," says Beverley Johnson, CEO and president of the Institute for Patient- and Family-Centered Care.
"Inviting patients to participate gets you to the most important, real issues." —Beverley Johnson, CEO and president of the Institute for Patient- and Family-Centered Care
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Rabelo, Ricardo J., UFSC
Radgui, Maryam, SI2M Laboratory and LRIT associated unit to CNRST, Rabat
Rafael Braga, Antonio, Universidade Federal do Ceará
Rahmani, Moulay Driss, LRIT associated unit to CNRST (URAC 29), Faculty of Sciences, Mohammed V University in Rabat, Morocco
Ralha, Celia Ghedini, Computer Science Department Institute of Exact Science University of Brasília (UnB), Brazil
Ramos de Carvalho, Luís Eduardo, Graduate Program in Computer Science - Federal University of Santa Catarina, Florianópolis, Santa Catarina, Brazil. National Brazilian Institute for Digital Convergence - Federal University of Santa Catarina, Florianópolis, Santa Catarina, Brazil.
Ras, Charl, The University of Melbourne
Rateke, Thiago, Graduate Program in Computer Science (PPGCC), Federal University of Santa Catarina (UFSC). Image Processing and Computer Graphics Lab (Lapix) at Brazilian Institute for Digital Convergence (INCoD), Federal University of Santa Catarina (UFSC), Brazil.
Rauber Du Bois, André, Universidade Federal de Pelotas, Pelotas, Rio Grande do Sul, Brazil
Rêgo, Patrícia Helena Moraes, Universidade Estadual do Maranhão
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site: fantasynews | arena: nfl | pageType: stories | section: | slug: | sport: football | route: player_news_by_playerId | 6-keys: media/fantasynews/nfl/reg/free/players_latest
C.J. Prosise
#22 RB / Seattle Seahawks / EXP: 4YRS Height: 6-1 Weight: 225 lb Age: 25 College: Notre Dame Bye 11
FANTASY PTS
RB Rank
06/13/2019 by RotoWire Staff | RotoWire
Seahawks' C.J. Prosise: Injured again
C.J. Prosise hurt his hamstring during Thursday's practice, Gregg Bell of The Tacoma News Tribune reports.Head coach Pete Carroll said Prosise felt his hamstring tighten, which is an especially unfortunate occurrence on the last day of minicamp. Moreover, it's especially troublesome that it happened to Prosise, given his long history of injuries. There's no guarantee the 25-year-old will be fully ready to go in time for training camp.
Seahawks' C.J. Prosise: Could replace Mike Davis
Coach Pete Carroll said C.J. Prosise (abdomen) is making good progress in his recovery from December surgery and should have a chance to fill Mike Davis' old role, Bob Condotta of The Seattle Times reports.Davis was a big part of the Seattle rushing attack during the first half of the 2018 campaign, later settling in as a passing-down specialist after Rashaad Penny secured the No. 2 runner role. Playing in a run-heavy offense, Davis finished the season with career-high marks across the board, taking 112 carries for 514 yards (4.6 average) and four touchdowns while adding 34 catches for 214 yards and another score. It would be heavily optimistic to expect a similar campaign from Prosise, who has played just 16 games in three seasons thanks to a constant onslaught of injuries. He actually played more snaps on special teams (34) than offense (30) in 2018, and the Seattle Seahawks still have J.D. McKissic to compete for snaps on passing downs.
Seahawks' C.J. Prosise: Slated for healthy offseason
Coach Pete Carroll expects C.J. Prosise (abdomen) to be fully healthy by the start of Seattle's offseason training program April 15, Bob Condotta of The Seattle Times reports. "C.J. really needed the surgery that he had," Carroll said. "It was a little more extended than we thought, but he'll be back from that. That's about an eight-week recovery or something like that so he'll be fine."Prosise has appeared in16 of a possible 48 regular-season games since the Seattle Seahawks tabbed him with a third-round draft selection in 2016. While the Seahawks haven't completely given up on him, it's possible Prosise could face an uphill battle for a roster spot in 2019 given his lack of reliability. A former wide receiver, the hope is that Prosise can be effectively utilized as a receiving option out of the backfield who could complement a lead runner like Chris Carson or Rashaad Penny.
Seahawks' C.J. Prosise: Will undergo abdominal surgery
Coach Pete Carroll said C.J. Prosise is slated for abdominal surgery, Bob Condotta of The Seattle Times reports.Prosise initially dealt with a core muscle injury in September and has been a near-regular on Seattle Seahawks inactive lists as a healthy scratch for most of the season. Last week, he landed on the injury report with what was called an abdominal issue but later clarified to be "an abdomen/groin/hip-flexor thing" by Carroll, per Condotta. With surgery on tap, Prosise will soon focus his efforts on getting healthy. He has one year remaining on his rookie contract, so despite frequent bouts with injury in three seasons as a pro, Prosise is a candidate to stick around in 2019 in a backfield that has been dominated by Chris Carson (finger), Mike Davis and rookie Rashaad Penny during the current campaign.
Seahawks' C.J. Prosise: Placed on IR
C.J. Prosise (abdomen) was placed on injured reserve Saturday, Curtis Crabtree of Sports Radio 950 KJR Seattle reports.Prosise was already ruled out for a third consecutive week due to what head coach Pete Carroll described as "an abdomen/groin/hip-flexor thingy," which is confusing as it is concerning. The 2016 third-round pick was thought to be a candidate for a third-down role entering the 2018 season, but a litany of injuries and poor timing never allowed for that possibility to occur. With a smorgasbord of nondescript running backs already on the roster, there's a possibility Prosise may have played his last game with the Seattle Seahawks, but with one year remaining on his rookie deal, it's more likely the team simply waits until closer to training camp to make any sort of roster decision on the 24-year-old.
Seahawks' C.J. Prosise: Could be headed for IR
C.J. Prosise (abdomen), who has been ruled out for Sunday's game against the 49ers, doesn't have a clear timetable for a return and could be a candidate for injured reserve, Bob Condotta of The Seattle Times reports.Prosise will be sidelined for a third straight game this weekend, though the previous two absences were the result of healthy inactives. Coach Pete Carroll labeled the latest injury setback to befall Prosise as "an abdomen/groin/hip-flexor thingy," a rather nebulous description that doesn't portend a quick recovery. Considering Prosise has historically been a slow healer since entering the league in 2016 and held a minimal role when available this season, shifting him to IR would be a good way for the organization to keep him in the fold without having to release him outright. There's seemingly little upside for the Seattle Seahawks to stash a banged-up Prosise on the roster for an extended period as a fifth running back, especially now that another pass-catching specialist in J.D. McKissic (foot) has returned from IR.
Seahawks' C.J. Prosise: Ruled out Week 13
C.J. Prosise (abdomen) has been ruled out for Sunday's game against the 49ers, Curtis Crabtree of Sports Radio 950 KJR Seattle reports.Prosise was added to Thursday's injury report with an abdomen issue and didn't make enough progress Friday to avoid a third straight absence. With the Seattle Seahawks activating pass-catching back J.D. McKissic (foot) from injured reserve earlier this week, Prosise's time with Seattle could soon come to an end if he isn't shuttled to injured reserve.
Seahawks' C.J. Prosise: Tending to abdominal injury
C.J. Prosise (abdomen) didn't practice Thursday, John Boyle of the Seattle Seahawks' official site reports.All was well with Prosise on Wednesday, so his addition to the injury report one day later doesn't bode well for his Week 13 availability. Also hurting his cause on that front was the activation of J.D. McKissic from injured reserve Wednesday. Even if Prosise gets a clean bill of health, he's a candidate to be a regular inactive for the remainder of the season, barring injuries to other members of the backfield.
Seahawks' C.J. Prosise: Inactive once again
C.J. Prosise is a coach's decision inactive for Sunday's game against Carolina.Prosise has hardly played this year, rushing the ball one time for a three-yard loss. He appears to be the fourth option at running back in Seattle behind Chris Carson, Mike Davis, and Rashaad Penny, and he could fall even further if J.D. McKissic (foot) is activated off IR. Prosise has no clear path to fantasy value this season outside of a rash of injuries to the Seattle Seahawks' running backs.
Seahawks' C.J. Prosise: Roster spot may be threatened
C.J. Prosise could be at risk of losing his spot on the Seattle Seahawks' 53-man roster after coach Pete Carroll named fellow running back J.D. McKissic (foot) a candidate to return from injured reserve ahead of the Week 12 matchup with the Panthers, Bob Condotta of The Seattle Times reports.Even with McKissic sidelined since the preseason, Prosise has struggled to the see the field behind Chris Carson, Mike Davis and Rashaad Penny. Prosise has appeared in just five of the Seahawks' 10 games, logging 30 offensive snaps and four touches in total. Much like McKissic, Prosise offers his most value as a pass-catching option out of the backfield, so it wouldn't be optimal for the Seahawks to keep two players on the roster with overlapping skill sets. With that in mind, there's a good chance Prosise could find himself as the odd man out if the Seahawks are comfortable with where McKissic is at on the health front.


Washington, DC - When the legendary Patti Page sang, "How much is that doggie in the window?" she couldn't have guessed that six decades later, the answer might depend on whether a consumer buys or leases a pet.
Today, when purebred and designer pets can fetch prices in the thousands of dollars, many pet stores and breeders offer customers the option of taking home – right away – the pets that tug at their heartstrings, even if the price is more than they can afford. These sellers may tell customers they only need to make a relatively small up-front payment and sign an agreement to make monthly payments. In exchange, they can take home the fluff ball of their dreams.
But what are the customers getting? Many are actually leasing their new pets instead of financing a purchase. If they don't understand their agreement – particularly that their payments are lease payments and not payments toward a purchase – the customers can be headed for heartache and the retailers can find themselves afoul of the law.
Pet leasing is a relatively new industry. It relies on a financial product – a consumer lease – that is commonly associated with cars, furniture, and heavy equipment, not with puppies, parrots, and other pets. As a result, most people considering buying a pet are not expecting to be handed a lease and many pet sellers may not be prepared to explain a lease's terms.
What are the terms? Some financial services companies have partnered with pet sellers to offer leases. Their lease terms vary. In general, pet leases run for a set time, typically one to three years. During the lease period, customers must make set monthly payments, just as they would if leasing a car. The payments will total more than the list price of the pet, sometimes much more. When the lease is over, the customer doesn't own the family pet, not even a whisker. To purchase their pet, customers usually have to pay an additional amount, possibly hundreds of dollars. If they can't buy the pet, they must surrender it. Lassie doesn't get to stay home.
There can be complications. If the customer misses a monthly payment, the leasing company can repossess Fluffy, Fido, or Cookie the Cockatoo. And, if the animal gets lost, stolen, or dies, or if the customer can no longer keep the pet, the customer can still be required to make payments through the end of the lease period or pay a hefty early termination fee. A failure to make required payments can show up on the customer's credit report and result in a collection action.
What does this mean for pet sellers? If you offer pet leases, you'll want to be familiar with the Consumer Leasing Act (CLA), a law designed to ensure that consumers get meaningful disclosures about a lease before they sign on the bottom line.
The CLA requires, among other things, that your customers receive essential lease information, in writing, clearly and conspicuously, in language they can understand, before they sign the agreement. And if you advertise pet leases – even if only with a store display stating the low up-front payment amount needed to take a new pet home ("Take Rover home for just $50!") – the CLA requires, among other things, that you clearly disclose that the deal is a lease, the total amount due at lease signing, and the number, amount, and timing of payments.
The FTC's guide, Advertising Consumer Leases, can help you purr-fect your understanding of the CLA's advertising requirements. Check it out. After all, compliance is not only the law, it also can help ensure that angry and broken-hearted customers don't come back to bite you.


If you've ever spent a long night at the computer pulling your hair out while trying to reconcile your bank account or track an invoice, then you know how I felt when I met Dawn Brown. I was the typical "do-it-all-myself" entrepreneur and that included doing things for which I have no natural talent – like bookkeeping and taxes.
One beautiful summer day, as my babysitter jumped on the trampoline with my kids, I sat at my computer in tears of frustration. And then it hit me – why was I paying a sitter to have fun so I could be miserable? Couldn't I invest in some bookkeeping help so I could have a little fun? So I picked up the phone and called Dawn. While I admit I'm not a huge fan of the trampoline, I can tell you that I enjoy spending more time with my kids now that Dawn spends time with my numbers!
Business Name: InSource Consulting, Inc.
Business Description: InSource Consulting, Inc. provides small to mid-size companies valuable analytical, bookkeeping and training assistance.
I always wanted to be an accountant. When I was in high school I worked for a family friend doing payroll and data entry for small businesses. After graduating from college and starting a family, I entered the accounting world in the private sector. I worked for large international companies and worked in all aspects of accounting and business analysis. When the last company sold, I was picked up as a Marketing Manager (fancy name for salesperson) for a construction materials company. During my 5 year stint in that position I worked on a couple of training programs and met a lot of local small to mid-size companies. This is when I recognized the need for what I do. I can bring big company experience to work for small businesses. A couple of my customers offered me a deal and I couldn't refuse, I went out on my own. I was a single mom with a son who was a junior in high school. People thought I was crazy, it was the easiest professional decision I ever made.
"What day is it?" ~ "It's today" ~ squeaked Piglet. "My favorite day" ~ said Pooh. A.A. Milne. I love the simplicity of it.
Sports, I was a competitive swimmer through my youth and high school years. I love to travel – learn about new places, research great travel deals and more importantly, actually go there! Photography is one of my artistic outlets, as well as, Mermaid Cay, a new jewelry venture.
I was raised in Upstate NY and moved to Hampton Roads 23 years ago. My son, Mitch, is 23. He and his wife, Whitney are the proud parents of my 4 month old grandson, Dominick.
Making time for myself. I have a home office and I find it difficult to relax at home. There always seems to be something to do.
Most importantly – love what you do! That is true success to me. On a practical note, try to find balance between work and family. Life is so unpredictable.
I think the support network that Theresa has created allows women to learn from others in the same position. It is much easier knowing what you are going through has been experienced by someone else. We all may do unique things and work differently, but we are all moms and women who probably feel pretty much the same way and face similar challenges.


Interesting comments by Paul Martin. He thinks terrorists have Iraq's WMD. Who knows if that is true, but at least Martin isn't US-bashing. It is both plausible and frightening. And here is a quote showing why he is better than Cretien: "The cause of terrorism is not poverty, it is hatred." Maybe Martin will be solid on the international stage after all.


Barefeats: FireGL X3 runs as X800 on G4?!?
Discussion in 'Games' started by Lord Blackadder, Apr 27, 2005.
An interesting discovery, although I doubt many people will rush out and buy an $800 video card just to play Doom 3 on their G4.
They weren't very specific as to how the modification was made; leads were taped over to get the AGP speed down but I'm assuming it was flashed as well (?) using an X800 Mac ROM image. Rob-Art won't say, since "[he doesn't] promote doing that on this site."
Indeed. WHo would pay 800$ for games in a g4?
Those who may need it are just people who get involved with graphics intensive proffessional applications, and want something more than an 9800 card.


text:
Zacatecas, Mexico
Capital of the State of Zacatecas
Protected area / Photos / Contact
Historic Centre of Zacatecas
Mining and religion
In the center of northern Mexico, 700 km. away from Mexico City, the city of Zacatecas is situated in a narrow valley at the foot of the Cerro de la Bufa. It is located at more than 2,400 m. above sea level.
The configuration of the city adapts to the difficult topography of its site. Its compact plan opens up towards the south of the city, from which a road leading to the capital originates. The main street follows the course of the former river at the bottom of the valley. Steep streets, works of impressive terracing, and short, unexpected perspective views account for the originality of the ensemble.
The magnificent 18th-century Baroque cathedral dominates a landscape that brings together numerous religious institutions dating to the 17th and 18th centuries. Large secular buildings, which are more recent, enrich the architectural landscape; these include the 1834 Calderón Theatre, the 1886 Gonzáles Market, and the early 20th-century governor's residence.
Criterion (ii): Zacatecas was one of the principal centers of silver mining from the early Spanish period until the 20th century and its architecture and layout reflect its economic importance and the resultant cultural flourishing which influenced developments in these fields in central and North America.
Criterion (iv): Zacatecas is an outstanding example of a European colonial settlement that is perfectly adapted to the constraints imposed by the topography of a metalliferous mountain range.
The foundation of Zacatecas in 1546 was linked with the discovery of a rich silver lode on the site. In the same mountainous massif, three new silver deposits were found shortly afterward. In 1550, 34 silver mines were in operation, and the town of Zacatecas was developing in the valley.
In 1554, deposits were discovered in Guanajuato. A road linking the capital city to the two mining centers, which were 275 km. apart, was constructed. Between them, Zacatecas and Guanajuato produced most of the silver that was exported from New Spain. Like those of the Andean town of Potosi, the deposits of Zacatecas and Guanajuato played a major role in launching the European economy.
In 1558, when Zacatecas received King Phillip II of Spain, it attained the status of city and its own coat of arms.
In the 16th and 17th centuries, Zacatecas enjoyed a mining boom and an initial period of domination over Guanjuato. Its economic power transformed the region; forts and villages were constructed and its agricultural potential was exploited. Zacatecas contributed to the settlement and the Christianisation of the north of the colony. Its prosperity continued despite an economic downturn when Guanajuato became more favored. The city is full of with rich monuments.
In 1914, during the revolution, Zacatecas was a battle site. Numerous buildings were damaged. In the first half of the 20th century, the decline of the mines was accelerated.
Source: https://whc.unesco.org/en/list/676/
Sr. Jorge Miranda Castro
Presidente Municipal
Municipio de Zacatecas
Calz. Héroes de Chapultepec 1110 Col. Lázaro Cárdenas
Zacatecas, Zacatecas, México
+52.492 922.2190, 922.0033
Sr. José Guillermo Carriclo Villagrana
Director del centro histórico de Zacatecas
Av. Juan De Tolosa, 831, centro
Zacatecas, Zac, Mexico
Sr. Vicente Rodríguez Cervantes
Director de Arte y Cultura
Independencia No.100, Col. Centro
Zacatecas, México
Sra. Laila Ernestina Villasuso Sabag
Secretaria de Desarrollo Económico y Turismo
Ayuntamiento de Zacatecas