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https://www.wsj.com/articles/SB110174237968685607
UnitedHealth Plans to Acquire Definity Health for $300 Million
By Vanessa Fuhrmans Staff Reporter of THE WALL STREET JOURNAL
Nov. 30, 2004 12:01 am ET
UnitedHealth Group Inc. said it will acquire Definity Health Corp., a specialist in "consumer-driven" health benefits, for $300 million.
The deal by UnitedHealth, the country's largest managed-care company in terms of members, is a bid to expand in the fast-growing area of high-deductible health plans coupled with medical spending accounts.
Definity is one of the biggest administrators of consumer-driven health plans for large self-insured U.S. employers. The closely held Minneapolis company has fewer than 100 employers as customers, but they include 23 Fortune 500 companies and nearly 500,000 consumer-driven health-plan beneficiaries across the country. UnitedHealth is based in the nearby suburb of Minnetonka, Minn.
Consumer-driven, or high-deductible, plans have grown in popularity with the explosion of employers' health-care costs in recent years. Under such a plan, consumers pay a much higher deductible, often $1,000 or more, which the employer can subsidize by putting money in a personal spending account. In contrast, consumers in a traditional health plan typically pay a monthly premium and have a deductible of a few hundred dollars or less; the insurance picks up most of the subsequent medical costs. The thinking behind high-deductible plans is that by giving people a financial stake in their medical care, they will become more discriminating consumers, ultimately slowing the growth of health-care costs.
Under the terms of the takeover, Definity will operate under its own brand within the UnitedHealth division that administers health benefits to large employers. Definity's chief executive, Tony Miller, will continue with the company, UnitedHealth said.
The deal, expected to be completed in December, will give Definity and its customers access to UnitedHealth's much larger network of 460,000 doctors and 4,000 hospitals nationwide, plus the greater network discounts and health-care services that come with UnitedHealth's size. While Definity currently operates in all 50 states, it rents a patchwork of doctor networks from other local health insurers and often lacks the size to secure better discounts, analysts say. In return, UnitedHealth is gaining Definity's expertise and reputation in administering consumer-driven plans for big companies.
With the advent of Health Savings Accounts, a portable tax-saving account legislated into the Medicare drug bill passed last year, high-deductible plans are expected to become even more widespread. A survey released by Mercer Human Resource Consulting last week said 1% of all companies offered consumer-driven plans this year. But 26% of large employers are likely to add one by 2006.
UnitedHealth has been one of the fastest movers in the field. Last year it acquired Golden Rule Insurance Co., a pioneering provider of medical savings accounts for individuals and small groups, and has chartered its own bank, Exante, to carry out health-savings-account transactions for its members.
In January, UnitedHealth also will become the first major managed-care company to provide only consumer-driven plans for its own work force, which includes more than 30,000 employees.
With Definity, UnitedHealth predicts that, as of January, its businesses will provide about 2.5 million people with some type of consumer-driven health product.
The long-term savings potential of consumer-driven health plans isn't clear, especially in the case of costly chronic illnesses. Short term, though, Definity's experience suggests some impact: Last year, health-care costs among its clients rose 3.2%, compared with the 7.5% to 11% increases reported in most employer surveys.
Write to Vanessa Fuhrmans at vanessa.fuhrmans@wsj.com


November 2007 was when it began – the "witch hunt" that is – started by Sen. Chuck Grassley, R-Iowa, when he sent a massive informational request to six major media-based ministries.
Substantial financial inquiries were sent to: Joyce Meyer Ministries, Benny Hinn of World Healing Center Church, Randy and Paula White of Without Walls International Church, Eddie Long of New Birth Missionary Baptist Church, Kenneth and Gloria Copeland of Kenneth Copeland Ministries, and Creflo and Taffi Dollar of World Changers Church International/Creflo Dollar Ministries.
When the Grassley issued his extensive financial requests cries erupted from many in the various segments of the faith based community. Claims that Sen. Grassley was over reaching rang far and wide and many suggested that the separation of church and state was at play here. I, as a business ethics speaker, on the other hand felt that full disclosure was appropriate. If you had nothing to hide, then why resist? Obviously, some listed above agreed.
The issue Grassley was investigating was weather the tax exempt status of the ministries should be revoked based on the lavish lifestyles ministry leaders lead.
Two of the six ministries contacted were willing to fully comply: Joyce Meyer Ministries and Benny Hinn of World Healing Center Church. Both groups reported that they were working on reforming financial practices of their respective ministries.
Randy and Paula White of Without Walls International Church, Eddie Long of New Birth Missionary Baptist Church, and Kenneth and Gloria Copeland of Kenneth Copeland Ministries submitted incomplete responses to the senator's questions.
Atlanta-based Creflo and Taffi Dollar of World Changers Church International/Creflo Dollar Ministries did not participate at all, declining the senator's requests, according to released correspondence between Grassley and Dollar's attorneys.
A 61 page report was presented and can be found here – SFC Staff Memo to Grassley re Ministries 01-06-11 FINAL.
"While the majority of churches and religious organizations operate with policies and procedures that make them accountable to their members, it is the small minority that don't that are subject to scrutiny by the members and the public, including the press. These outliers present tax policy issues for consideration," the review said.
Do you think that the actions taken by the six ministries was appropriate and sufficient?
Former pastor Vaughn Reeves, a southern Indiana church financier was sentenced to 54 years in prison for pocketing millions of dollars that investors believed would be used to build churches. Oh God…another Ponzi scheme!
While his attorney Dale Webster said, "There's going to be an appeal on a lot of grounds," investigators said Reeves and his three sons used their now-defunct company, Alanar, and sales pitches that included prayers and Bible passages to dupe about 11,000 investors into buying bonds worth $120 million secured by mortgages on construction projects at about 150 churches.
OK…so what happened? Well…according to court documents, Reeves and his sons diverted money from new investments to pay off previous investors, pocketing $6 million and buying two airplanes, sports cars and vacations. A classic Ponzi scheme – using new money to pay off prior commitments. Prosecutors have said the case was a prime example of affinity fraud, in which scammers prey on people who share a common interest, such as religious affiliation, ethnicity or age.
Actually, in my analysis – the folks who were scammed fell into the PIT. In other words, they fell prey to three components that make it easy for victims to become victims. Promise – Illusion and Trust. In this case, the trust was based, in part, on the fact that folks trusted Reeves et. al. to do what they said, after all it was done in the name of religion – God.
One of the victims who testified at Tuesday's sentencing hearing said he wasn't able to buy health insurance after investing $600,000 in church bonds from Alanar, Sullivan County Prosecutor Bob Hunley said. As a result, Steve Duncan testified that he went blind after developing an eye condition that would have been preventable.
Sentenced to consecutive six-year terms for each of the nine fraud counts, Hunley alleged that he victimized about 2,900 investors who lost a total of $13.1 million. Among aggravating factors, Special Judge Dena Martin found Reeves targeted people over age 65 and used religion to influence them, Hunley said.
Alanar used a modified Ponzi scheme in which it diverted investors' money from their building projects to speculative investments and to interest payments on other bonds, according to the Indiana Secretary of State's Office, whose Securities Division assisted prosecutors in the case.
Alanar encouraged church members to sell the bonds to fellow congregants using sales pitches that included prayers and Bible passages.
"Never sell the facts, sell warm stewardship and the Lord," Alanar training materials said, according to the Securities Division.
It makes no difference from what walk of life we come, people (not all thank God) will find ways to dupe or scam others. Often I am asked in various media interviews what people can do to avoid becoming a victim of a Ponzi scheme like this. The answer is easy – in a sense – (1) don't fall for offers that seem 'too good to be true' – that is the first classic sign of a scam; (2) check out the documentation and do your due diligence – don't fall for the illusion of a good con artist (they are not called that for nothing) and (3) keep a healthy distance from any one you'd invest your funds with. The closer they are to you and the more that 'trust' is a factor, the more important it is to check it from every angle.
Reeves like Bernie Madoff will likely die in prison. That's a steep price to pay for some life luxuries that are short lived.
We behave better in bad times. "Contrary to what one might expect, misconduct declines in turbulent economic times and rises when the pressure's off," the report says. When asked about specific abuses or ethical lapses – such as misusing company resources, lying to outside stakeholders or falsifying time or expenses – a smaller percentage of U.S. workers observed problems this year compared with the 2007 survey, taken before the recession began. "Yet our research suggests that the improvements in ethical conduct will be temporary," warned the ethics center's CEO, Patricia Harned.
As I review ethics issues weekly I must say that I have a hard time believing in the validity of their survey. Just look at these stories reported on here the first two weeks of this month.
Patricia Wilson, 57, of Draper, Virginia, has pleaded guilty to embezzling more than $167,000 from the Memorial Christian Church where she had served as the church bookkeeper for 9 years. Prosecutors alleged last April that Wilson diverted most of the monies from the Church's building fund but also from it's general fund.
Robin K. Ramey, 48, of Huntington, Ohio, pleaded guilty to charges she embezzled some $185,000 from the Huntington National Bank where she was a longtime employee, ultimately rising to the level of supervisor. Ramey caused at least 86 wire transfers in bank funds to be sent to her personal checking and saving accounts. If the plea agreement holds, Ramey will be ordered to spend two years in prison and repay the bank. She is scheduled to be sentenced on January 21, 2010.
Jessica Harmon, 32, of Lowell, Michigan, has been charged with embezzling more than $100,000 from a unnamed local law firm where she had been employed apparently in a bookkeeping position. The thefts reportedly occurred over a 3 year period. Specifically, Harmon faces charges of embezzlement of more than $20,000, uttering and publishing and using a computer to commit a crime. Harmon, who had been employed by the law firm for 10 years, allegedly made unauthorized withdrawals from firm accounts and wrote herself extra pay checks.
Capt. Michael Dung Nguyen, 28, of Beaverton, Oregon, pleaded guilty Monday to theft and money-laundering charges related to the theft of some $690,000 in cash intended for relief and reconstruction in Iraq. Nguyen was the U.S. Army battalion civil affairs officer in Muqdadiyah, Iraq and had been entrusted with cash designated for local commanders in Iraq and Afghanistan for urgent humanitarian relief and reconstruction. He was indicted last March on charges of theft of government property, structuring financial transactions and money laundering. The thefts occurred between April 2007 and February 2009, according to the indictment. He spend some of the money on luxury vehicles, among other personal items.
Three components come together when a fraud, like the ones reported above, take place. NEED – OPPORTUNITY and RATIONALIZATION. In the cases above – I cannot speak to the first and third component – Need and Rationalization, but in each case the fraudster exploited a weakness or put another way – found an OPPORTUNITY.
Patricia Wilson used her trusted position as church bookkeeper (9 years no less) to exploit what was likely a weak system of internal controls for Memorial Christian Church. Likewise, two other bookkeepers, Casey Jane Goebel and Jessica Harmon, used their positions of trust to embezzle funds from their employers. Robin K. Ramey stated, related to her embezzlement, "Why it took so long is that (the bank) doesn't usually check there." Finally, Capt. Michael Dung Nguyen had been entrusted with cash to benefit members of the US military.
What was common in each of the cases above – TRUST. Did each of the fraudsters know better? Sure they did! Were they at one time ethical – I would guess so. Yet, in each of their lives they made choices – choices that clearly reflect unethical behavior and consequences that are life changing that follow.
As a business ethics speaker, I often state to audiences – Every Choice Has A Consequence.
COMMENTS ARE ALWAYS WELCOME. If you knew either of the individuals mentioned above – perhaps you'd be willing to share what motivated them to make the choices they made.
You are currently browsing the archives for the Church Fraud category.


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Teen Witch BFF: An Interview with Tavi
Talking to Tavi Gevinson is like playing badminton blindfolded with the world champion. You are always two references behind and trying to come up with a comeback that is half as funny. Her voice is deep and each sentence is punctuated with lots of "you knows"s and "I mean"s and heavy doses of sarcasm. She is a fascinating anomaly, a teenage girl with the talent and drive of someone much older. Her presence is unassuming yet as soon she speaks, you know that she is in control of her universe and beyond smart. She has a passion for culture, past and present, and she dances between 90's teen witch sitcom references, quotes from Beyoncé songs, and heavy-duty feminist theory.
For those of you who don't know, Tavi Gevinson began her wickedly smart and funny blog, Style Rookie, at age 11. On the blog, she covered fashion and posted photos of herself. Her singular style and voice garnered the attention of publications including Vogue, The New Yorker, and The New York Times fashion magazine. She has also inspired legions of young girls to become interested in fashion and feminism. Now, at fifteen, Tavi has started her own magazine, Rookie, which has smart, real, and very relatable articles about modern teenage life. Naturally, she is a perfect fit for Teenage! So voila — the smart, funny, and delightful Tavi:
Izzy: What made you want to start Rookie?
Tavi: I found out about Sassy and discovered teenager culture like Freaks and Geeks and couldn't find a current equivalent. I mean there are a lot of current magazines that I like but there wasn't anything that I thought satisfied the need for a more honest tone when it comes to talking about being a teenager and being a girl. On one hand it's just what I want to read. Mostly I saw a void. I don't think we fill it entirely, I mean, we can't be everything for everyone, but that's why I hope that people don't really think of us as some kind of authority. Rather, that we will inspire people to find their voice and their own creative outlets or start their own site or whatever.
I: How has your blog changed as you have grown up? As a young musician I feel like people expect me to make the same music I made when I was 12, and then they get pissed off when I change. Do you feel like people have certain expectations of you?
T: It was super weird when I went on the Early Show, because they had this montage at the beginning that was all these old photos and videos, that were really different looking and from when I was really small. I remember taking those photos and videos and writing my blog and thinking wow these are going to be really embarrassing one day, but hey I don't take myself too seriously. Thankfully I still don't, but it was still weird sitting there getting ready to talk on TV and seeing all that flash by in the two minutes. I don't go back and read my blog at all. I used to dress weirder and I know that's why a lot of people liked me, but I also know people liked that I was honest, even about being insecure, which is why I don't feel too bad or like I'm not being myself now that I dress more conventionally. Part of it is that my tastes have changed and part of it is that it was so much easier, to be like "screw what people think" when I was 12. I revisit the "grandma on ecstasy" now and then, but it would be harder to get these ideas about feminism out there in a fashion context because then you just become this weirdo who people block out. I don't think you have to succumb to that, but if you want people to listen to you, it's the reality and it sucks, but you have to do it. Something like the Early Show, I'm okay with making those compromises because I think Rookie could be a positive thing for a lot of people. If I had gone on the Early Show dressed like I used to, then the girls who don't know there's another option than Seventeen would probably think that Rookie was a site for freaks.
I: Is that comprising your integrity?
T: It's a way to reach more people. Which obviously does good things for the site as a business, but we also have a message I think more people should hear. As long as I know my reasons for doing it I don't think it's a compromise of my integrity.
I: So you want to reach more girls with Rookie?
T: I mean if I was just doing my own blog right now it would be different for me to start trying to attract a mainstream audience because what do I care? Its just me babbling on about stuff I like. But with Rookie I want it to do well. I really want the girls who see this to not be like girls on Tumblr who already know about Riot Grrrl, I want girls who read stuff about needing to do ab workouts to get ready for swimsuit season to know that that's not the only option. I mean one person responded to this post on Rookie that I wrote about when you are a girl growing up and you notice people noticing your body and this person was like, I know that this sentiment has been expressed in things like Slutwalk and on tumblr, but its good to see it in this mainstream outlet. That's what I want to do with it.
I: Why do you think there is more overlap between mainstream and alternative culture?
T: I think it's because of the Internet, and I'm okay with that. I think that those kinds of generalizations can be kind of dumb and can keep people from discovering something awesome. One girl emailed me once and was like "Freaks and Geeks is going to be on Teen Nick, I am so insulted, its going next to shows like Zoey 101," but I think the world would be a better place if more people saw Freaks and Geeks. So I guess with Rookie I'm trying to attract more people with the more mainstream interviews/music and then maybe turning them onto something they might not have realized that they would have liked before.
I: Is there a strong feminist aspect to Rookie?
T: We try to do everything through a feminist lens. To get the message across, I don't think the right thing is to just hand over the feminist guidebook and say these are the rules, here is the history, this is what you have to do. As a teenager, when something really sucks, when there is a way to make a link from the political aspect of feminism to the personal aspect that's way more helpful than being preached to. Comedy is very effective, we have lots of satire pieces, a recent one satirized diets in women's magazines and another was dating tips from a middle school boy. Each time there were a few adults who commented and were like "you shouldn't be making a joke out of these serious issues, you should be looking at why people actually do these things," but I honestly don't think that is the most effective way, then people just put something into the political block and don't listen to it. Phrases like girl power or be yourself, don't mean anything when you don't know how to translate them. Which is why we try to write about experiences that girls can relate to.
I: What music/books/movies inspire Rookie's aesthetic?
T: I'm trying to make Rookie have all of the advantages of being online mixed with some of my favorite things about print magazines. I like how magazines have such a strong mood each issue, so for us each month is a different issue. At the beginning of each month you see a calendar, which gives a tiny preview of what to expect each day, and I've always made a lot of mood boards and been obsessive about organizing my aesthetics around the season, so Rookie is really satisfying in that way. So for October our theme is "Secrets" and it's Halloween month so we have images of Hermione Granger, Rosemary's Baby, an Ouija Board, the Craft. So it changes all the time but overall we try to mix the mainstream and alternative. Trying to combine the two is helpful for publishing online because those kinds of lines aren't as harshly defined as they used to be.
I: How do see your role in Rookie?
T: Editor in Chief / Founder, Rookie feels like my baby. I've thought for while about taking credit – Kathleen Hanna had a blog post about going back and forth about being a part of the community and she turned to Carrie Brownstein, and saw how she's like "I'm a women with a career, I do all these different things, and they are all amazing." Its good to take credit for working hard on something. Its not some great feminist act to say that I work really hard on Rookie. But it's a lot of work and I'm proud of it. People have always been quick to try and take away claim I could have to my writing or my photos or anything, so I'm proud to say that I am very much the Editor in Chief of Rookie.
I: How does working on Rookie influence your life as a high school student? Do you carry that with you?
T: I practice what I preach, its not always easy, but that's why on Rookie its not just about how all of our writers are awesome and all of us are feminist superheroes, a lot of them are us trying to figure stuff out too. When I go to school I don't feel like a spy on teenagers or anything. They feel really separate. I am a teenager and I can pull from those experiences when I work on Rookie but I don't really pull the other way, I don't make Rookie part of my high school life.
I: I always felt like there was a strange duality in being a young artist.
T: I act differently, everyone does, you act differently to your teacher than you do with your friends, but if I think about it too much I freak myself out, there's a level of self awareness that you just don't want to get into sometimes. At school, Rookie sets me apart, that's why I don't bring it into conversation unless I'm with my friends. Its way different from my blog because like I was so embarrassed whenever my blog came up – sincerely and honestly it's a really nerdy thing – but I like it when someone at school tells me they read Rookie. It doesn't come up because it makes me different from the other people at school and I just want to lay low in high school and get through it.
'Izzy Says' is a monthly column featuring interviews and musings by teenage drumming sensation Izzy Schappell-Spillman of Care Bears on Fire.
« Teen Magic Come On Children »

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Petrobras has announced that negotiations for the sale of the Pasadena refinery to Chevron are "in a stage of completion" and are expected to be reviewed by its board of directors on Wednesday, the state company's statement said.
"The transaction has not yet been appreciated by the Company's Board of Directors and the agreements that formalize the transaction have not been signed, which is scheduled to take place today, and confirmed, will be duly communicated," he said.
Completion of talks between Petrobras and Chevron by the refinery in the United States was anticipated by Reuters on Monday, with source information.


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Paperback Spotlight: Collision by William S. Cohen
October 24, 2016 August 27, 2017 torforge
Former Secretary of Defense William S. Cohen provides a Washington insider point of view in Collision, a gripping political thriller about the dangers of mining an asteroid.
Two gunmen open fire at an elite Washington law firm. One flees the scene with the laptop computer he and his partner have come to steal. The other plummets ten stories to his death, pushed by Sean Falcone, former National Security Advisor to the president of the United States.
When the firm's managing partner learns of the laptop's disappearance, he orders Falcone to quietly investigate. If word gets out that a computer containing confidential client information is missing, the firm could lose clients, staff, even partners. However, the future of the firm isn't the only thing at stake. The stolen laptop contains vital information concerning an American billionaire, his secret Russian partner, and their attempt to mine an asteroid. This is a dangerous endeavor; even the slightest change in orbit might put the asteroid on a collision course with Earth. NASA and the White House are plunged into a race to prevent the destruction of all humankind.
The paperback edition of Collision will become available November 1st. Please enjoy this excerpt.
Cole Perenchio pulled the blue-and-white gym bag from under the seat and stood, tilting his head to avoid the overhead bin. He was six foot seven and as slim at age fifty-six as he had been when, for three years, he was top scorer for the MIT Engineers. He ducked again as he left the Delta aircraft and entered the walkway tube to Reagan National Airport. His only luggage was his gym bag carry-on, so he went directly to the taxi pickup line. When his turn came, he told the driver, "Roaches Run."
The driver turned and spoke through a thick plastic shield: "You kiddin' me, bro? You want Roaches Run? You can just damn well walk. And I'll get me another fare that's really goin' somewhere."
"How much would it cost me to go to Capitol Hill?" Perenchio asked in a weary voice.
"Twelve bucks plus tip," the driver said.
Perenchio reached into a pocket of his blue windbreaker and took out a piece of paper torn from a small notebook, along with a roll of bills. He peeled off a ten and a five, which he handed to the driver through a compartment in the shield. "Now take me to Roaches Run," he said.
The taxi pulled out of the airport exit and onto the northbound lane of the George Washington Parkway, went about half a mile, and then turned onto a causeway leading to a slice of land jutting along the shore of the Potomac River. Across the dark strip of water Perenchio could see the Washington Monument rising into the night sky.
"Okay, mister. Here's Roaches Run," the driver said. "You just want to get out here?"
"See that Lincoln over there?" Perenchio answered. "Go over there, and please put on the overhead light." He held the piece of paper up to the light. "Turn there. I want to see the license plate."
The taxi turned slowly toward the grid of a parking lot in which there were five scattered cars, all of them long, black town cars that shone brightly in the taxi's lights. The driver stopped behind a Lincoln. Perenchio leaned forward to check the District of Columbia license plate.
"Thanks," Perenchio said, getting out of the taxi. He leaned his head toward the driver's half-opened window. "Now go over a couple of rows and wait for me. I'll be back in, at most, fifteen minutes. Then I want you to take me to my hotel. I'll give you the name when I come back."
As he approached the Lincoln, he heard the door locks click. He opened the rear right door and the interior dimly lighted up. A man seated on the left awkwardly held out his right hand as Perenchio folded himself into the rear seat and the light went out. Seated, Perenchio reached across, his hand engulfing the other man's.
"Sorry the flight was late," he said.
"No problem. That's the point of Roaches Run," the other man said, his face emerging from the shadow. "I give Leo here"—he nodded toward the driver—"the flight number. He keeps track of the flight, and, when he figures that it's twenty minutes away, he calls me, pulls up in front of my house in Alexandria, picks me up and drives here. It's like a holding area for cars on call, town cars, under contract with firms like mine. You said you wanted privacy. So I suggested that we meet here instead of picking you up at the terminal."
"I remember this place from when I was a kid and my father was stationed at the Pentagon," Perenchio said, his tense face suddenly breaking into a smile. "He'd take my brother and me here, usually on Sunday, and we'd watch the planes zoom in and out of National—not called Reagan then. They were close! It was like you could stand on a picnic table and touch 'em. But, you know, Hal, I didn't know the name of this place until I got your message. Roaches Run. Funny name."
"It's a fish, the roach. People fish for them here in the little bay," Harold Davidson said.
"Thanks, Hal," Perenchio said, smiling. "You have always known things like that."
"Well, here we are," Davidson said, ignoring the remark. He had a round, smooth face that merged into a bald head. His dark skin was slightly darker than that of Perenchio, who had a Creole father and African American mother.
"I thought we could drive to my house, have a drink, something to eat—I hope you're still big on pulled pork. And we—"
"All I want, Hal, is a chance to talk with no one around. Right now," Perenchio said. "We're sealed off from the driver, right?"
Davidson pressed a button on the console near his door handle, and the light went on again. He pointed to another button, and a small red light flashed on and off next to the word DRIVER.
"Standard practice. He can't hear me until I press that button. These cars all have them," Davidson said in an instructional tone that Perenchio remembered from their college years. "Look, you're my client. Everything is between you and me. We have a client-lawyer relationship. So, if you don't want to talk somewhere else, just start talking here. Now, what's on your mind? All you told me on the phone was that you had something you couldn't tell me over the phone. Now you can't tell me face-to-face." Davidson grinned and leaned toward Perenchio.
Perenchio reached into the gym bag and took out a black carrying case. He opened the case to show Davidson a Dell laptop, then zipped the case closed. "Keep this," he said. "It's all in that. You're in some kind of trouble at the law firm."
"It's in here."
Davidson reached down for his suitcase-size briefcase, opened its hinged maw, and tried to slip in the laptop case. But it stuck out, its black shoulder strap hanging down the side of the briefcase. "How come you didn't use a thumb drive?" Davidson asked. "Lot easier to carry."
"You always have better ideas, Hal," Perenchio said, a touch of anger in his voice. "I need to give you the laptop, the whole laptop. That's it, okay?"
"Okay, okay," Davidson said, still fussing with the briefcase.
"All I can tell you is that what's in the laptop is very, very important. I mean, White House important," Perenchio said, lowering his voice. "I want a meeting with someone from the White House who can guarantee me immunity and get me into the federal witness program."
"I need more information than that, Cole. What the hell is this all about?"
"I can't tell you. All I can say is it's about something that could kill us all."
"Look, Cole. I trust you, trust your scientific mind. But tell me something."
"I will call you at your office tomorrow. Have the laptop open in front of you. I'll tell you how to activate and decrypt the information. Then you'll see. It's all there. Set up a meeting between now and Friday. At the White House."
"Hold it, Cole," Davidson said, his voice suddenly turning stern. "I will not be in my office tomorrow. I'll be in New York all day. A meeting with a client that I cannot break." He took his cell phone out of his pocket and looked at his calendar. "It's got to be the next day, Wednesday. Ten thirty a.m."
"Damn it, Hal. Don't treat me like one of your clients. There's no time to lose. And what am I supposed to do all day?"
"Walk around. It's a great city. Maybe see Ben Taylor," Davidson said.
"I don't have time. Now I've got another day to kill. Yeah, kill. Funny saying that. I'm afraid to walk around. Really afraid, Hal."
Davidson reached out to pat Perenchio's shoulder. "Relax, Cole. Try to relax."
"Relax?" Perenchio asked with a bitter laugh. "Yeah, maybe I'll have time to write my will." As he opened the door he added, "See you Wednesday. And don't let that laptop out of your sight."
Perenchio got out of the car, walked to the taxi, and got in. The taxi recrossed the causeway and returned to the parkway, heading toward Washington. Davidson's black car followed.
So did another black car. Seated behind the driver were two men. One of them opened a cell phone, brought up a number, spoke briefly, and pocketed the phone.
Copyright © 2015 by William S. Cohen
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text:
package org.unitime.timetable.model;

import org.cpsolver.ifs.util.ToolBox;
import org.unitime.timetable.model.base.BaseInstructorAttributePref;

public class InstructorAttributePref extends BaseInstructorAttributePref {
	private static final long serialVersionUID = 1096113835301473978L;

	public InstructorAttributePref() {
		super();
	}

	@Override
	public String preferenceText() {
		return getAttribute().getName();
	}

	@Override
	public String preferenceAbbv() {
        return getAttribute().getCode();
    }

	@Override
	public Object clone() {
		InstructorAttributePref pref = new InstructorAttributePref();
    	pref.setPrefLevel(getPrefLevel());
    	pref.setAttribute(getAttribute());
    	return pref;
	}

	@Override
    public boolean isSame(Preference other) {
    	if (other==null || !(other instanceof InstructorAttributePref)) return false;
    	return ToolBox.equals(getAttribute(),((InstructorAttributePref)other).getAttribute());
    }

	@Override
	public String preferenceTitle() {
		return getPrefLevel().getPrefName() + " " + getAttribute().getName();
	}

	@Override
	public int compareTo(Object o) {
	    if (o==null || !(o instanceof InstructorAttributePref)) return super.compareTo(o);
	    InstructorAttributePref p = (InstructorAttributePref)o;
	    int cmp = getAttribute().compareTo(p.getAttribute());
	    if (cmp!=0) return cmp;
	    return super.compareTo(o);
	}

	public Type getType() { return Type.ATTRIBUTE; }
}


text:
Q: Full text search error: Invalid locale ID was specified Query involving full text search is generating the following error message after restoring the database to a new server:

Invalid locale ID was specified. Please verify that the locale ID is correct and corresponding language resource has been installed.

It was working alright on the previous server.
How can I resolve it? I'm on SQL Server 2008 R2
Thank you.

A: The answer was to Load Licensed Third-Party Word Breakers (MSDN)
From that link:

SQL Server 2008 R2 includes licensed third-party word breakers for the following languages:

*

*Danish

*Polish

*Turkish

  These word breakers are available but are not installed by default, and must be manually registered and then added to the list of LCIDs that are supported for full-text indexing and querying.
These word breakers are not enabled by default because they are owned by third parties who have not yet provided the level of testing, security, and robustness that is required for them to be enabled by default.

The main steps involved are:

*

*Obtain Instance Name for Each Instance of SQL Server

*Obtain the FTData Path for Each Instance

*Register a Word Breaker and the Related Linguistic Components

*

*Add the COM ClassID(s) for the Word Breaker and Stemmer Interfaces

*Add a Key to the <InstanceRoot>\MSSearch\Language Node

*Add Configuration Values That Give the Location of Each Linguistic Component

*Update the List of Languages Supported by Full-Text Search
See the linked documentation for the full details.

redpajama_set_name: RedPajamaStackExchange


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text:
require 'spec_helper'

describe SufiaHelper do
  describe "link_to_profile" do
    it "should use User#to_params" do
      u = User.new
      u.stub(:user_key).and_return('justin@example.com')
      User.should_receive(:find_by_user_key).with('justin@example.com').and_return(u)
      helper.link_to_profile('justin@example.com').should == "justin@example.com"
    end
  end

  describe "selected facet" do
    let(:blacklight_config) { Blacklight::Configuration.new }

    before(:each) do
      helper.stub(:blacklight_config).and_return blacklight_config
      helper.stub(:url_for).and_return('http://example.com')
    end

    describe "render_selected_facet_value" do
      it "be html_safe and not have the remove link" do
        item = double("item", :value=>'two', :hits=>9)
        ret_val = helper.render_facet_value("one", item)
        doc = Nokogiri::HTML(ret_val)
        filter = doc.xpath("//a[@class='facet_select']")
        filter.text.should == item.value
        ret_val.should be_html_safe
      end
      it "use facet_display_value" do
        item = double("item", :value=>'two', :hits=>9)
        helper.stub(:facet_display_value).and_return('four')
        ret_val = helper.render_facet_value("one", item)
        doc = Nokogiri::HTML(ret_val)
        filter = doc.xpath("//a[@class='facet_select']")
        filter.text.should == 'four'
      end
      it "use facet_display_value for dashboard" do
        params[:controller] = "dashboard"
        item = double("item", :value=>'two', :hits=>9)
        helper.stub(:facet_display_value).and_return('four')
        ret_val = helper.render_facet_value("one", item)
        doc = Nokogiri::HTML(ret_val)
        filter = doc.xpath("//a[@class='facet_select']")
        filter.text.should == 'four'
      end

    end
  end
end


text:
Knoch Family History
Genealogy of the Knoch-McGregor family
The Knoch Side
The McGregor Side
Ruth Elizabeth ZIMMERMAN
Personal Information | Media | Sources | Event Map | All
Name Ruth Elizabeth ZIMMERMAN
Born 30 Jan 1906 Detroit, Wayne, Michigan, USA [1, 2, 3, 4]
Census 23 Apr 1910 Detroit, Wayne, Michigan, USA [5]
Address: 256 Hendricks St
Census 16 Jan 1920 Detroit, Wayne, Michigan, USA [6]
Address: 826 Rohms Ave
Address: 15382 Appoline St
Residence 1934 Dearborn, Wayne, Michigan, USA [8]
Address: 6536 Stedman
Residence 1 Apr 1935 Dearborn, Wayne, Michigan, USA [9]
Address: 6536 Steadman St
Census 21 Apr 1940 Dearborn, Wayne, Michigan, USA [9]
Residence 1943 Dearborn, Wayne, Michigan, USA [10]
Died 9 Apr 1984 Westland, Wayne, Michigan, USA [1, 2, 4]
Middlebelt Hope Nursing Center
Buried 12 Apr 1984 Michigan Memorial Park, Flat Rock, Wayne, Michigan, USA [4]
Ruth Elizabeth Knoch Memorial with Gravestone Photo
Created by Dave, 20 Mar 2017, at Find A Grave
Person ID I6 Knoch-McGregor Family Tree
Family Arthur Louis KNOCH, Sr, b. 26 Apr 1902, Springwells, Wayne, Michigan, USA , d. 6 Feb 1976, Wyandotte, Wayne, Michigan, USA (Age 73 years)
Married 21 Jul 1928 Detroit, Wayne, Michigan, USA [14]
+ 1. Arthur Louis KNOCH, Jr, b. 29 Sep 1929, Detroit, Wayne, Michigan, USA , d. 29 Jan 2013, Westland, Wayne, Michigan, USA (Age 83 years) [Birth]
2. Doris Kathryn KNOCH, b. 8 Sep 1930, Detroit, Wayne, Michigan, USA , d. 2 Sep 2019, Pinellas Park, Pinellas, Florida, USA (Age 88 years) [Birth]
3. Barbara Ruth KNOCH, b. 28 May 1932, Dearborn, Wayne, Michigan, USA , d. 13 Apr 2009, Holland, Ottawa, Michigan, USA (Age 76 years) [Birth]
1930 Census for Arthur L Knoch Sr Family
1943 City Directory entry for Arthur L Knoch Sr Family
Family ID F2 Group Sheet | Family Chart
Born - 30 Jan 1906 - Detroit, Wayne, Michigan, USA
Census - Address: 256 Hendricks St - 23 Apr 1910 - Detroit, Wayne, Michigan, USA
Census - Address: 826 Rohms Ave - 16 Jan 1920 - Detroit, Wayne, Michigan, USA
Married - 21 Jul 1928 - Detroit, Wayne, Michigan, USA
Census - Address: 15382 Appoline St - 23 Apr 1930 - Detroit, Wayne, Michigan, USA
Residence - Address: 6536 Stedman - 1934 - Dearborn, Wayne, Michigan, USA
Residence - Address: 6536 Steadman St - 1 Apr 1935 - Dearborn, Wayne, Michigan, USA
Census - Address: 6536 Steadman St - 21 Apr 1940 - Dearborn, Wayne, Michigan, USA
Residence - Address: 6536 Steadman St - 1943 - Dearborn, Wayne, Michigan, USA
Died - 9 Apr 1984 - Westland, Wayne, Michigan, USA
Buried - 12 Apr 1984 - Michigan Memorial Park, Flat Rock, Wayne, Michigan, USA
Arthur L Knoch and Ruth E Zimmerman Marriage Certificate
Ruth E Zimmerman Birth Certificate
Ruth E Zimmerman Death Certificate
Arthur L Knoch Sr / Ruth E Zimmerman Headstone
[S6] Michigan, Death Index, 1971-1996, Ancestry.com (https://www.ancestry.com), [accessed 15 Jan 2018].
entry for Ruth Knoch; born 30 Jan 1906; died 9 Apr 1984
[S5] U.S. Social Security Death Index, Ancestry.com (https://www.ancestry.com), [accessed 15 Jan 2018].
entry for Ruth Knoch; born 30 Jan 1906; died Apr 1984
[S13] Birth Certificate, Michigan, Wayne County.
Ruth Elizabeth Zimmerman birth certificate; No. 657 (9 Feb 1906); Detroit Department of Health
[S12] Death Certificate, Michigan, State of Michigan.
Ruth E. Knoch death certificate; local file number 199 (9 Apr 1984); City of Westland City Clerk
[S1] 1910 U.S. Federal Census, Ancestry.com (https://www.ancestry.com), [accessed 6 Jun 2018].
Census Place: Ward 13, Detroit, Wayne, Michigan; Enumeration District: 194; Page: 11B; dwelling 224, family 247; entry for Ruth E. Zimmerman; Roll: T624_686; FHL microfilm: 1374699
[S2] 1920 U.S. Federal Census, Ancestry.com (https://www.ancestry.com), [accessed 16 Jan 2018].
Census Place: Detroit Ward 19, Wayne, Michigan; Enumeration District: 604; Page: 14B; dwelling 229, family 277; entry for Ruth Zimmerman; Roll: T625_818
Census Place: Detroit, Wayne, Michigan; Enumeration District: 82-844; Sheet: 81A; dwelling 2, family 12; entry for Ruth Knock; FHL microfilm: 2340803
[S7] Polk's City Directory, Dearborn, 1934, Ancestry.com (https://www.ancestry.com), (R.L. Polk & Co.), [accessed 15 Jan 2018].
page 196; entry for Knoch, Ruth E
Census Place: Dearborn, Wayne, Michigan; Enumeration District: 82-28B; Page: 3A; household 55; entry for Ruth E. Knoch; Roll: m-t0627-01826
[S10] Polk's City Directory, Dearborn, 1948, Ancestry.com (https://www.ancestry.com), (R.L. Polk & Co.), [accessed 15 Jan 2018].
page 280; entry for Knock, Ruth E
page 186; entry for Ruth E Knoch
[S14] Michigan, Marriage Records, 1867-1952, Ancestry.com (https://www.ancestry.com), [accessed 16 Jan 2018].
entry for Arthur L Knoch and Ruth E Zimmerman; married 21 Jul 1928
Maintained by Dave K.


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Home ⁄ Areas of Practice ⁄ Business Law ⁄ Financing the Deal – how will a buyer pay for the business?
Few buyers pay for a business transaction in cash. Financing is normally involved and can take on a variety of forms. We routinely act for lenders looking to provide financing to buyers. With over 600 companies as our clients, we are more often called upon to act for a buyer or seller in a business transaction. Sellers want to ensure that the buyer will be in a position to close and pay the sale proceeds. Sometimes a seller is willing to finance a portion of the sale price. When acting for a seller providing vendor financing, we ensure that our seller's "investment" in the buyer is secure. When acting for buyers, it is important for us to work with the law firm representing the lender, to ensure that completion funds are available at the completion date. Our Kelowna business law team works tirelessly on commercial transactions to ensure all financing components are in place regardless of whether we act for the seller, buyer, or lender.


I'm thrilled to announce that I am now the Head of Acting for New York Madness. I've been involved with the company for 5 years now and as we move into sixth season I'm excited to be taking a more central role in the operations of a company. I am thankful to Cecilia Copeland and Judith Leora for this opportunity.
New York Madness is a company committed to emerging playwrights and actors and directors. We currently have 6 events each year in which a featured guest playwright picks a theme before and all the participating playwrights write short plays based on that theme. Actors are given the script 2-3 days beforehand and after 2 hours of rehearsal all the plays are presented in a single evening, scripts in hand.
It's always an exciting evening and as we say "anything can happen in a Madness." You can find out more about the company at www.nymadness.com and there is a small feature on me in our Catching Up With series.


text:
Alpha Timesauckland in world map
auckland in world map
Home / Barueri / auckland in world map
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text:
Antonio de Heredia (Daimiel, provincia de Ciudad Real, principios del siglo XVII - último cuarto del XVII) religioso benedictino y escritor español.

Biografía
Tomó el hábito de San Benito en el Monasterio de Nuestra Señora de Sopetrán (provincia de Guadalajara), el 15 de marzo de 1638. Fue Lector de Artes, (1649-1653), Prior del Monasterio de Montserrat en Madrid (1653-1657), dos veces Abad de Sopetrán (1657-1661; 1665-1669), Definidor (1661-1665), General de la Congregación (1669-1673) y Abad de Montserrat de Madrid (1673-1677 y de Irache (1681-1685).

Impulsó las fundaciones de recoletas benedictinas de Cabra y Corella, reforzó la observancia regular en los monasterios de Viena, Praga y Bezdez e hizo imprimir una serie de libros prácticos para la congregación, así como nuevas Constituciones (1671). Publicó los Officia propria de la Congregación, Instrucción de religiosos de la Orden de N. P. S. Benito y Exercicios espirituales sacados de las obras de los venerables padres fray García de Cisneros, fray Ludovico Blosio y fray Antonio de Alvarado, abades de la misma religión (Salamanca, 1672); Vidas de santos, bienaventurados y personas venerables de la sagrada religión de San Benito, patriarca de religiosos (Madrid, 1683-1686, 4 vols.), una especie de flos sanctorum que por su brevedad no alcanzó una aceptación general; reimprimió la historia del monasterio de Sopetrán del padre Basilio de Arce corregida y aumentada con el título de Historia del ilustrísimo monasterio de Nuestra Señora de Sopetrán de la Orden de N. P. S. Benito, de su Santuario y Sagrada Imagen (Madrid, 1676), que contiene testimonios personales y documentos hoy perdidos.

Obras
 Officia propria de la Congregación
 Instrucción de religiosos de la Orden de N. P. S. Benito
 Exercicios espirituales sacados de las obras de los venerables padres fray García de Cisneros, fray Ludovico Blosio y fray Antonio de Alvarado, abades de la misma religión (Salamanca, 1672)
 Vidas de santos, bienaventurados y personas venerables de la sagrada religión de San Benito, patriarca de religiosos (Madrid, 1683-1686, 4 vols.)
 Editor y ampliador de Basilio de Arce, Historia del ilustrísimo monasterio de Nuestra Señora de Sopetrán de la Orden de N. P. S. Benito, de su Santuario y Sagrada Imagen (Madrid, 1676).
 "Gambas e Cabaleiros Medievais"

Referencias

Benedictinos
Abades benedictinos
Escritores de España del siglo XVII
Nacidos en Daimiel

redpajama_set_name: RedPajamaWikipedia


"Several centuries before there was any debate about the role of women in combat, Antonio Vivaldi tackled the issue head-on with his dramatic oratorio, Juditha triumphans. Sure, the biblical story from the Apocrypha already had one female warrior at its center – that would be Judith, the Israelite widow who saves her compatriots by hacking off the head of the invading Assyrian general Holofernes. But it was Vivaldi, writing around 1716 for the all-female conservatories of his native Venice, who gave the thing a purely female slant. The result is a striking blend of familiar Baroque convention – the drama emerges in much the same series of formal arias and plot-laden recitatives that shape the operas of the period – and the surprisingly offbeat." – Joshua Kosman writing in the San Francisco Chronicle.
"McGegan still has a vivid memory of his early experience with [Juditha triumphans]. 'It was a semi-staged concert in the Basilica of San Zeno. Starting with ladies in armor pouring out of the crypt, calling for slaughter and vengeance, something that could have been an opera, very militant and heroic,' he says. 'It struck me as wild and wacky, not at all your typical soothing Vivaldi — and it made a big impression on me.'" – Janos Gereben writing in the San Francisco Examiner.
"It's hard to imagine a time when Philharmonia ever sounded better. Even if dramatic oratorios leave you cold, only the most senseless would not be entirely beguiled by the delicately melodic mandolin solo, the piping chalumeau (a wind instrument popular roughly from 1700 – 1740) and the half dozen other instrumental solos peppering this piece. Opening with banging timpani and bracing natural trumpet, the color commands your attention – and keeps it until the very end." – Cy Ashley Webb writing for Stark Insider.


text:
Volvo and Microsoft to KITT out cars with remote voice control
By Scott Collie
Volvo and Microsoft to KITT ou...
Volvo and Microsoft have teamed up to let forward-thinking owners talk to their cars remotely
The system can pre-heat the car, flash the lights or even start the car
It might seem gimmicky, but the system will be available from spring of this year
Fans of Knight Rider, the day you've been waiting for has arrived. Volvo and Microsoft have paired up to allow forward-thinking owners to remotely control their cars by talking to a "smart band" connected with the Swedish brand's On Call smartwatch app.
If you own a Microsoft Band 2, using the Volvo system is easy enough: all you do is tell the band what you want the car to do.
The system can turn the heater on, honk the horn, set the navigation and even start the car if you're not comfortable getting into a car that's not running. The driver is even able to get the lights to turn on, the motor to start and the doors to unlock by simply telling their smartband to "prepare the Volvo."
As you may have guessed, Microsoft Band 2 integration doesn't offer any functions that you couldn't access through Volvo's app, but who are we to criticise a car manufacturer from having a bit of fun with wearables?
The voice-control technology will be available in Spring 2016 (Northern Hemisphere). Until then, you're going to have to keep watching those Knight Rider re-runs for your talking-car thrills.
Source: Volvo
AutomotiveMicrosoftVolvoRemote ControlWearable
Scott Collie
Based in Melbourne, Australia, Scott grew up with a passion for cars and a love of writing. He now combines the two by covering all things automotive for New Atlas. When he's got a spare moment, you can usually find him freezing himself silly in search of fresh powder to ski.
Mel Tisdale January 6, 2016 11:44 AM
When one looks at the developments currently taking place in car design, one is forced to ponder whether there isn't a need for a set of standards so that swapping from one make of vehicle to another does not involve a two day training session to bring the driver up to speed.
Taking this device into consideration, it would make sense for competitors to follow the same operation protocol. It might even make sense for all voice commands to be in the lingua franca, English, and thus take advantage of the economies of scale.
A similar philosophy could be applied to third generation vehicles (advanced driver assistance) and to fourth generation vehicles (fully autonomous) - if they ever manage to solve the multitude of obstacles in their way to being so-called.
In short, as vehicles become ever more complicated technologically, they need to become ever more easy to drive. That can only be achieved if all the controls follow a common means of operation and have a common location relative to the steering wheel. If the manufactures don't take the initiative, the politicians will, which is surely a situation to be avoided at all costs.
Stephen N Russell January 6, 2016 01:35 PM
LIsc this KITT wrist comm to all auto makers alone for self driving cars. Id wear one for say Tesla, Audi, Benz & BMW makes alone or one band for many car makes? Sell online, auto dealers, new & used dealers, lease firms, auto brokers Awesome EZ to use & make Multi Usable
Bob Flint January 6, 2016 02:38 PM
So just as in the movie "Ex Machina" the big flaw is the transferable I.D. Tag or in this case the wearable. Anyone removing the device from your person has your life, & car in control, still uneasy about getting into a car that's not running, or attempting to run you down.