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Jaw Dropper: Tom Price pushing state-based reinsurance programs??
You may have noticed that among my 16 recommendations for repairing/improving the ACA, I foolishly failed to include one of the most important/obvious ones: Reinsurance. I didn't include it for two reasons: Partly because, quite frankly, I simply forgot about it and feel bad about myself now.
So far, two states (Alaska and Minnesota) have already established their own state-based reinsurance programs; in both cases, it was done as an act of sheer desperation...and, in both cases were put through in a bipartisan fashion (both states have GOP-held legislatures, but Minnesota's Governor is Democratic while Alaska's is Independent):
Alaska: Approved *unsubsidized* 2017 indy mkt rate hikes: 7.3%
There was a time, just a few months ago, when it looked like Alaska, which had already suffered from massive rate hikes the past 2 years due to their unique healthcare situation, might have a complete catastrophe on their hands with a third year of massive individual market rate hikes.
Fortunately (and to their credit), the GOP state legislature worked with the Independent governor to pass a new law which created a state-based reinsurance program to stave off the ugly hikes. In July, it looked as though this would result in not-fantastic-but-not-awful 10% average increase:
A major health insurer is seeking an average rate increase of about 10 percent on individual health insurance policies in Alaska, far less than what it received the last two years. Thisfollows recent steps by the state to shore up Alaska's insurance marketplace.
Premera Blue Cross Blue Shield is expected to be the only company offering individual health policies in Alaska in 2017, with Moda Health planning to leave that market. Premera received average rate increases of nearly 40 percent for 2015 and 2016.
Well, today Louise Norris followed up on the approved rates in Alaska, and the news is even better:
On July 18—the same day Governor Walker signed H.B.374 into law—Premera announced that they had filed rates with an average increase of 9.8 percent for 2017. The rate increase is significantly lower than the carrier's rate increases were in 2015 and 2016, and Premera attributed that to the new reinsurance program.
A month later, on August 19, Premera filed a new rate proposal, requesting an average rate increase of just 7.3 percent for 2017. State regulators approved the 7.3 percent average rate increase a few days later, and the rates will take effect in January.
Perhaps other states should take a look at what Alaska did here?
Minnesota: MNsure announces 8 day Special Enrollment Period to take advantage of Premium Relief Bill!!
...62% of MNsure enrollees are receiving tax credits to help cover their premium costs...but that still leaves around 40,000 exchange enrollees paying full price...plus another 85,000 or so enrolled in off-exchange policies who also have to pay full price. That's around 125,000 people who saw their premiums skyrocket by over 50% on average, which caused a massive crisis.
This led to Democratic Governor Mark Dayton entering emergency negotiations with the GOP-held state House and Senate to come up with a plan to provide financial assistance for those people as well...and last week they did so:
Governor Mark Dayton's office is pushing hard for legislators to come to an agreement on providing immediate relief for the rising cost of health insurance in Minnesota.
Dayton proposed a 25 percent health insurance premium rebate for Minnesotans who do not qualify for federal tax credits, but purchase health insurance in the individual market. Specifically, that would apply to those whose income is above the federal cut-off line of 400 percent of the federal poverty level, or $47,520 for an individual and $97,200 for a family of four.
According to a fact sheet released by the governor's office, the proposed 25 percent rebate would automatically reduce the monthly health insurance premiums for qualified Minnesotans. Democrats argue that having the program administered by health insurers, which already have consumer information in place, would allow the plan to move forward quickly. Rebates would be paid to the insurance company, as opposed to going to the consumer, who would then have another step to go through.
...The premium relief bill passed by the Minnesota Legislature and signed by Governor Dayton appropriates $312 million to provide consumers who purchase health insurance in the individual market and do not receive advanced premium tax credits, an automatic 25 percent discount on their monthly health insurance premiums. The discount will be applied automatically by health insurance companies and does not require additional action by Minnesotans.
...Louise Norris informs me that it's coming from MN's general fund for the moment...no special tax/fee, no killing some other program or anything (yet).
In Minnesota's case, this was a one-time stop-gap measure to tide things over for 2017. However, just a few days ago, the Minnesota legislature created an official reinsurance program (this article is from before the vote, which later passed both houses):
March 30--The Minnesota House and Senate are expected to vote Thursday on whether to spend $542 million in state money meant to stabilize the state's individual health insurance market by subsidizing insurance companies' payments on unusually high claims.
The Legislature is expected to easily pass the measure, dubbed "reinsurance." Republican majorities have called it necessary to keep insurers in the individual market and drive down surging premiums.
But it faces an uncertain reception from Gov. Mark Dayton, who has expressed concern about spending state health care money on a plan with no guarantees it will achieve the intended results. The DFL governor and GOP lawmakers must reach an agreement by Friday in order for insurance companies to include the new subsidy in calculating their rates and health plan offerings for 2018.
OK, so the state will pony up a half a billion per year to cut down premiums for the individual market. Good. So why was Gov. Dayton unhappy about the plan?
Dayton and DFL lawmakers have expressed support for a reinsurance plan. But they disagree with Republicans on how it should be funded and administered and on what insurance companies should have to agree to in exchange for the state money.
...The state would pay those claims with money from a health insurance tax that funds MinnesotaCare, the state-subsidized health plan for poor residents. Another portion would come from the state general fund. Lawmakers hope federal money will cover some of the overall cost and that they won't see a drop in federal help if premiums go down. The federal government typically gives states less money for health care if they have lower premiums, so the state would apply for a waiver to ensure federal support for Minnesota at the same level.
...But in a letter to lawmakers Wednesday, Dayton said he was concerned the bill does not require insurance companies to commit to staying in the individual market or lowering premiums. He and DFL lawmakers urged those additions all along.
Well yeah...basically this amounts to hostage-taking by the insurance carriers: Give us $500 million or we're gonna bail...oh, and we might still bail even if you do give us the money. And no promises about lowering premiums, either. On the other hand, I believe Minnesota is among the states where the insurance commissioner is allowed to strike down excessive premium increases anyway, which should resolve that issue...but it still doesn't guarantee that they'll participate at all.
OK, so that's Minnesota and Alaska. What's this have to do with Tom Price?
Well, as tweeted out by the Kaiser Family Foundation's Larry Levitt earlier today:
MN and AK are using reinsurance pools to promote market stability. Tom Price has invited other states to do it too. https://t.co/PTHa6udIp7
— Larry Levitt (@larry_levitt) April 3, 2017
Here's the text of the letter:
Dear Governor:
The Administration's top priorities include improving patients' access to and affordability of care, slowing the rate of premium growth to improve the risk pool, bringing stability to the individual and small group health insurance markets, and increasing consumer choice. To achieve these ends, we are seeking to empower states with new opportunities that will strengthen their health insurance markets. In accordance with President Donald J. Trump's January 20, 2017, Executive Order1 directing agencies to alleviate the burdens ofthe Affordable Care Act (ACA), we are seeking to provide more flexibility and opportunities for innovation on the state level.
Under Section 1332 ofthe ACA, states can apply for State Innovation Waivers and pursue · innovative strategies to adapt many ofthe law's requirements to suit the state's specific needs.2 To receive approval, the state must demonstrate that a proposed waiver will provide access to quality health care that is at least as comprehensive and affordable as would be provided without the waiver, will provide coverage to at least a comparable number ofresidents ofthe state as would be provided coverage without a waiver, and will not increase the federal deficit. Before submitting its Section 1332 waiver application the state must also provide a public notice and comment period, including public hearings, sufficient to ensure a meaningful level of public input, and enact a law providing for its implementation ofthe waiver. Under a Section I 332 waiver, a state may receive pass-through funding associated with the resulting reductions in federal spending on Marketplace financial assistance consistent with the statute.
State Innovation Waivers that implement high-risk pool/state-operated reinsurance programs may be an opportunity for states to lower premiums for consumers, improve market stability, and increase consumer choice. For example, in response to initial rate information for plan year 2017 in Alaska indicating that premiums were projected to increase by 42% in the individual market, Alaska implemented a state-operated reinsurance program for 2017 that mitigated the projected rate increase significantly. Based on that success, Alaska has applied for a Section 1332 waiver, part ofwhich would implement a high-risk pool/state-operated reinsurance program, the Alaska Reinsurance Program, for 2018 and future years. We are reviewing the application and will work with the State on any updates or adjustments necessary for receipt of pass-through funding consistent with the statute.
We welcome the opportunity to work with states on Section 1332 State Innovation Waivers, and in particular, invite states to pursue approval of waiver proposals that include high-risk pool/state-operated reinsurance programs. If a state's plan under its waiver proposal is approved, a state may be able to receive pass-through funding to help offset a portion of the costs for the high-risk pool/state-operated reinsurance program. The amount offunding available will depend on state-specific circumstances.
We encourage states interested in applying for Section 1332 waivers to reach out to the Departments promptly for assistance in formulating an approach that meets the requirements of Section 1332. As a reminder, consistent with the statute, states must enact or revise state laws to apply for and implement Section 1332 waivers.
The Departments will work with states to review all applications within the timeframe provided under Section 1332's implementing regulations and do our best to work with states to review their applications on an expedited basis. In the coming weeks, we will be providing a checklist with further information intended to assist states in moving forward with waiver applications.
If your team would like to discuss Section 1332 waivers in more detail, please email stateinnovationwaivers@cms.hhs.gov. You may also find general information about State Innovation Waivers at the CMS website. We look forward to working with you.
Levitt explained it simply:
States put up $ for reinsurance, which lowers premiums.
Feds save $ on tax credits.
Feds give the savings to states.
Anne Paulson explained it a bit further, but honestly, it sounds like here's the situation:
Let's say there's 100,000 people in a state's individual market: Half under 400% FPL, half above it.
Avg. unsubsidized rates in X state shoot up from, say, $500/month to, say, $700/month (a 40% rate hike).
At full price, that'd be 100K x $700/mo x 12mo = $840 million for the year.
Those 400% FPL, receive tax credits which slice it down to an "affordable" level...
...but those 400% FPL (on or off-exchange) have to pay full price, which sucks, thus causing them to either drop out (death spiral!) or be pissed about paying through the nose.
The state ponies up, say, $120 million per year for reinsurance, which goes directly to the insurance companies to lop the increase in half (from $200 to $100/mo, or $600/month).
Those below 400% FPL still receive APTC...but the amount of APTC needed is reduced by $100/month per person. In this sense, the state is now covering part of the cost of the APTC assistance, but these enrollees don't really see much of a difference at their end.
Those above 400%, however, go from paying $700/mo to $600/mo. Their rates only went up 20% (still not great, but a hell of a lot better than 40%).
The federal government has, at this point, saved $60 million in APTC, because the 50K who receive it had their APTC amount reduced by $100/mo apiece. The state government has, at this point, had to spend $120 million in reinsurance. If the federal government then matches the state at 50%...that means the feds end up paying exactly the same amount they would have otherwise...while the state ends up eating $60 million.
Assuming I have this straight, this is rather ironic...because it amounts to the REPUBLICAN-held federal government encouraging STATE governments to pony up tens of millions of dollars of taxpayer money to subsidize the private insurance industry...
...which is already exactly what the ACA does to begin with (at the federal instead of state level).
I actually have no problem at all with a reinsurance program, however, as Governor Dayton noted, it's all about how they're funded and, just as importantly, whether or not the insurance carriers are required to participate in the exchanges to receive the funding.
In Minnesota's case, they don't appear to have had much choice, as Dayton noted here:
Letter from Gov. Dayton to House Speaker Kurt Daudt
Dear Mr. Speaker:
Last Thursday, March 30, 2017, I received the Conference Report passed that day by both the Minnesota House and Senate, which appropriates $542 million of state funds in the FY18-19 Biennium to subsidize insurance companies operating in the so-called Individua Market. I recognize that this bill has been a top priority of your respective Leaders, since the Session's beginning; and I commend you and them for moving it expeditiously through the legislative process.
...Unfortunately, two of my main concerns about the bill were not addressed in the final Conference Report. The first was the source of funding for the insurance subsidies. In my March 29th letter to the two of you, I reiterated what I had been saying during previous weeks: "The conference report uses the Health Care Access Fund and the General Fund to cover the state responsibility for reinsurance. I believe reinsurance should be funded by a tax on the industry itself, as was the Minnesota Comprehensive Health Association. The General Fund and Health Care Access Fund dollars should be used for statewide priorities like schools, early childhood education and health care for low-income Minnesotans. Furthermore, it is unwise to use Health Care Access Fund dollars without repealing the sunset of the two percent provider tax that sustains the fund."
My proposal was ignored, because of, I am told, opposition by the insurance industry. Thus, the bill not only provides insurers with up to $542 million of taxpayers' dollars, as direct subsidies to their businesses, but also allows them both to dictate where that money shall come from and to evade any financial responsibility for their own aid program.
Secondly, my proposal to include a MinnesotaCare Buy-In option for Minnesotans purchasing health insurance on the Individual Market was rejected. As a result, private insurance companies will decide our citizens' options, including the extent of coverage, the composition of the provider networks, and the cost of their insurance.
...Finally, I am deeply concerned that this $542 million subsidy is being offered to insurance companies, who refuse to make any commitments about their participations in next year's Individual Market or the insurance rates they will charge Minnesotans. On March 16, 2017, I wrote the attached letter to the Chief Executive Officers of each of the presently participating insurers. I said, in part, " If the Legislature chooses to advance these reinsurance bills, it is imperative that your industry publicly commit to Minnesotans that, moving forward, you will specifically: 1) sell products statewide in the individual market and; 2) lower premiums to a level that will make insurance coverage more affordable than it is today. I ask that you provide consumers, the Legislature, and me with these public commitments as soon as possible Minnesotans deserve to know that a program of this scale and cost will actually have the intended results of stabilizing the individual insurance market and improving its affordability for consumers. Thank you in advance for your swift reply."
To date, I have not received even the decency of a written reply from a single one of those CEOs, much less their answers to my questions. I know that they have refused to provide those same assurances, when asked by individual legislators and by legislative committees. Yet, this bill would contribute $542 million of public monies to their bottom lines without even the acknowledgement of my request for information or the information I requested.
On March 22, I stated publicly that I would not sign a Reinsurance bill until I received written replies to my questions from the insurance executives. Having received no responses, I could not sign this legislation for that reason alone, in addition to my other concerns previously stated.
However, I agree with you, this bill's authors, and those legislative leaders, who believe that this subsidy must be committed to the health insurance industry at this time, to try to induce their participation in Minnesota's Individual Market in 2018 at the lowest possible rates. Thus I will allow this measure to become law by not acting upon it within the requisite three days, which end at midnight tonight. I will deposit, without signature, in the office of the Secretary of state, Chapter 13, House File 5.
In short: The private insurance carriers have us over a barrel here; there's not much we can do other than throw $500 million at them with no strings attached.


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Jonathan Aguas, Naturalist/Certified Photo Instructor
Isabela and Fernandina, 12/21/2022, National Geographic Islander II
Aboard the National Geographic Islander II
After an easy and calm night passed, we woke up north of Isabela Island, a fantastic place to watch for marine life.
In the early morning, many of our guests gathered on the bow of National Geographic Islander II. Soon, they observed Galapagos shearwaters, Galapagos petrels (a vulnerable species due to introduced animals), wedge-rumped petrels, red-necked phalaropes, boobies, etc.
In the month of December, marine currents change. Warm currents coming from Panama are taking over the islands, and this produces a strange phenomenon whereby mist covers the islands, making them seem to disappear little by little…hence the nickname, "Enchanted Islands."
Soon we crossed the equator. Our guests were very happy to become "shellbacks," a sailing tradition for those who pass the equator on a ship for the first time.
Punta Vicente Roca has been called the best place on the planet to swim with Pacific green sea turtles. We also observed Galapagos penguins, cormorants, and various fish.
In the afternoon, we enjoyed lunch, a talk on Charles Darwin, and a siesta to recover energy. We visited Fernandina, the youngest island in the Galapagos, and we observed many marine iguanas, sea lions, cormorants, and turtles resting on the beach.
Our day ended with a colorful sunset. What a fantastic day.
Franklin Ramirez
Jonathan was born into one of only a handful of families that reaches back five generations in Galápagos, in the town of Puerto Baquerizo Moreno, on San Cristobal Island. He first left the islands when he won a highly-coveted scholarship to finish hi...
Drake Passage
Wild Galápagos Escape
San Cristobal has its own giant tortoise population, as well as endemic lava lizards and snakes. These are examples of adaptive radiation in the archipelago. We have had a successful week full of great memories. The unique and friendly animals found in this group of islands are not found anywhere else on our planet.
Española Island
What a wonderful day on Española Island! This isolated island, located on the southeastern side of the Galapagos, is one of the oldest in the archipelago, geologically speaking. The volcanic landscape is breathtaking with high cliffs and white sand beaches. Española is home for many species that are not only endemic to the Galapagos but endemic to the island. Española mockingbirds, Española lava lizards, Española marine iguanas, and the waved albatross are the most representative of the endemic species. Early in the morning, National Geographic Islander II anchored at Gardner Bay. The spectacular pure white sand beach is beautiful. The sun was shining, and the Galapagos sea lions that call this paradise home rested near the aquamarine water. In the afternoon, we visited Punta Suarez. We followed a long, rocky trail as we explored. Myriads of colorful marine iguanas and marine birds were seen everywhere. We admired and photographed blue-footed boobies and Nazca boobies. We had a wonderful surprise today, as well. We spotted a couple waved albatrosses, one of the most beautiful marine birds in the world. During the last week in December, these birds normally abandon the island to venture into the open ocean for several months. At sunset, we returned to the ship with our minds filled with so many memories. Our hearts were replenished by the much-needed tonic of wilderness. Galapagos always evokes wonder in its visitors.
Floreana Island
The morning was warm, and the sun woke us up early to explore Post Office Bay on Floreana Island. This legendary place is full of human history dating back to pirates, whalers, and early colonists. Some of our intrepid guests kayaked around the bay, where the many little islets are home to blue-footed boobies, seagulls, herons, and sea lions. In the ocean, rays and marine turtles started another day. We landed on the beach to visit the oldest mailing system in the Galapagos Islands. The site was established in 1792. Whalers set up a wooden barrel to collect correspondence from visitors passing through Floreana. Later, other sailors could deliver those letters to their next destination. This hand-delivery system has worked very well for around 231 years. We kept the tradition alive by taking some postcards and leaving our own behind in this historical spot. After breakfast, we motored a short distance to arrive at Champion Islet for snorkeling and tours around the islet in the glass-bottom boat. The snorkeling was outstanding. As soon as we jumped in the water, we spotted a wide variety of multicolored fish. The rocky lava is a benthonic wonder covered in barnacles, shells, sea urchins, and colorful sea stars. The highlight was a huge school of salemas. The final touch was a Galapagos shark that emerged from the school of fish for a few seconds before disappearing into the blue depths of the ocean. Our guests had a lot of fun playing with juvenile sea lions. A guest asked me what kind of marine species we would see before we snorkeled, and I guessed sharks; indeed, we saw around ten whitetip reef sharks as we drifted in the water. What a premonition! In the afternoon, we visited Cormorant Point, where we had a great adventure. We observed seabirds diving, flamingos in a brackish water lagoon, marine turtles mating in the water, and stingrays burrowing in the white sand to avoid predators. We had a great day! We enjoyed every single minute, and the nature was astonishing. The frosting on the cake was a spectacular sunset that decorated the sky and welcomed a night full of stars with a very clear Milky Way. We made some great memories and had unforgettable experiences.

redpajama_set_name: RedPajamaCommonCrawl


Curtis S. Chin's latest blog in which he argues that "the American pivot to Asia must encompass a business, educational and cultural pivot as well" is a great read.
Curtis opens by discussing the meeting of "two leaders whose political careers stemmed from tragedy" in Seoul earlier this year – the then President elect Park Guen-hye and Burmese opposition leader and Nobel peace prize Laureate Aung San Suu Kyi.
Curtis compares Asia to the US where the majority of polls showed that approval of Obama dropped since his "post-election and pre-inauguration honeymoon period late last year" with a 6% point decline in approval since January.
Political leaders worldwide are keen to prove their interest in the political charge and reforms which are part of the "pivot on Burma" by being seen with Suu Kyi. Curtis predicts that Obama will also be eager to make a return visit to Burma and he warns that it would be a mistake to drop attention on the already successful pivot towards the country.
Curtis argues that this pivot to Asia must now be more than just defence and diplomacy and should address business, education and culture too. He talks about the future – for the US who need to work on substantive policy effort and investment which support involvement and ties in these other sectors, and for Burma who need to address religious and ethical unrest and the issues with human rights.


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The Best Album Sinatra Made
'In the Wee Small Hours,' 'a vast cathedral of a work,' tells of loss and loneliness
By Joe Goldberg
Frank Sinatra's "In the Wee Small Hours" (1955) is the finest vocal album of American popular songs ever recorded. This thought is not original with me. Some people prefer his "Only the Lonely" (1958), but what do they know? "In the Wee Small Hours" came first and set the standard. With it, Sinatra invented the concept album.
Sinatra's comeback after a precipitous fall is one of the best known showbiz legends. The former teen idol had lost his voice in 1950 and his Columbia recording contract. With the help of his second wife, Ava Gardner, he got a part in "From Here to Eternity" and won the 1953 Academy Award as Best Supporting Actor. He got a low-ball contract with a new record company, Capitol, and made two light-and-easy 10-inch LP collections, "Songs for Young Lovers" (1953) and "Swing Easy" (1954), later released as a single 12-inch record.
Lauren Sánchez on Going to Space and Working With Jeff Bezos
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The rear GVWR is 17,500lbs. The wheelbase of the cab and chassis is 176''. The front GVWR is 8500lbs. The total GVWR is 26,000lbs. The truck is 14'6'' long from the back of the cab to the end of the frame.
2015 XL Lowboy extendable 29 ft well, extends to 52.6 ft. Aluminum wheels, air ride. Flip axle capable with flip axle in stock sold extra.
The front GVWR is 4850lbs. This crew cab dump truck is equipped with a Trafcon Smart Flash II arrow board. F-350, XL, 2WD, DRW, Crew Cab, Dump Truck The tread on the front tires are 13/32 and the tread on the rear tires are 12/32.
The total GVWR is 9600lbs. The wheelbase of the truck is 137''. The rear GVWR is 6100lbs. This truck comes with an 8' Meyers snow plow on it. The front GVWR is 6000lbs. The tread on the front tires are 14/32 and the tread on the rear tires are 18/32.
This utility truck comes equipped with 6 storage compartments. It comes with a Liftmore 3200 crane. It also has a Westward power inverter. The total GVWR is 17,500lbs. The tread on the front tires are 11/32 and the tread on the rear tires are 14/32.
The bed of the truck is 12' long by 7'6" wide. This truck has an IMT crane in the bed. The model number is 1007. The total GVWR is 11,000lbs. TIRE TRUCK The wheelbase of the truck is 161".
This box truck is equipped with 8 storage compartments. The front GVWR is 7000lbs. The total GVWR is 19,500lbs. The overall height of the truck is 12'3''. The tread on the front tires are 15/32 and the tread on the rear tires are 17/32.
The rear GVWR is 11,000lbs. Carfax shows this box truck is a one owner vehicle with no accidents. F-450, XL, RWD, Diesel, Refrigerator Truck, Box Truck This box truck is 12' long by 8' wide.
The tread on the front tires are 13/32 and the tread on the rear tires are 12/32. The bed of the truck is 8' long by 6'7'' wide. This truck comes equipped with 6 storage compartments.
It is also equipped with a Thieman lift gate with a 1,500lb. The front GVWR is 5200lbs. This utility truck has 6 storage compartments. The tread on the front tires are 15/32 and the tread on the rear tires are 18/32.
F-350, XL, RWD, Crew Cab, Utility Truck The front GVWR is 4850lbs. The tread on the front tires are 5/32 and the tread on the rear tires are 6/32. The rear GVWR is 9750lbs. The wheelbase of the truck is 176''.
F-450, RWD, DRW, Diesel, Utility Truck This utility truck comes equipped with 8 storage compartments. The tread on the front tires are 11/32 and the tread on the rear tires are 7/32.
Cab to axle is 60''. The rear GVWR is 9750lbs. F-350, Extended Cab, XL, 4WD, Utility Truck 4x4 The bed of the truck is 9' long by 7'9'' wide. Carfax shows this truck is a one owner vehicle with no accidents.


Billy McFarland was all smiles as he walked into a holiday party in December 2015, flanked by an entourage decked out in blazers and puffy coats. The DJ cranked tunes, a snow machine spit out flakes and his business partner, rapper Ja Rule, grabbed the mic for a throwback set. McFarland's black card-like club, Magnises, had just expanded to the nation's capital, its first foray outside New York. Next up was San Francisco, with plans for Chicago and Boston. It was time to celebrate.
And for a little while, he did. Over a few years the credit card-thin idea had attracted millions of dollars of investment capital and some favorable press. Parties, special events and some big names helped push McFarland's brainchild over some initial hurdles. But in the end, it was not to be. Another McFarland idea, one for a Bahamas music festival to hype his talent-booking service, Fyre Media LLC, would help bring it all tumbling down.
In late April, thousands of moneyed millennials flocked to the Caribbean, expecting a beach bacchanal. Instead they found "Lord of the Flies," replete with a scramble for food and shelter that was picked apart by a global media frenzy. For McFarland, then 25, it ended even worse: He was charged with wire fraud and faces a dozen lawsuits. Federal prosecutors alleged he cheated investors in the startup out of $1.2 million by luring them in with bogus documents overstating its revenue.
Now, with McFarland exploring a possible plea deal with the government, expansion plans for Magnises have been scrapped. There's little left of the company today, according to people familiar with its operations. Executives have departed for other jobs, the customer experience team fled to a former business partner and, while the website is still up, there's no way to sign up.
Magnises, a word that doesn't really mean anything, was meant to be a passport to everything. For $250-per-year, members would gain entry to exclusive celebrity events, a concierge service to score hard-to-get concert tickets and restaurant reservations and access to a swanky, shared hangout pad. They'd also get to meet up with other wealthy young folk who like to party: entrepreneurs, businesspeople and entertainers.
The idea, McFarland has said, was that millennials want exclusivity, parties, access—not airline miles and discounted appliances. So he came up with something to give the veneer of status with the ability to network—basically an Amex Black Card for the man-bun set. Only the Magnises card isn't a credit card at all. The metal rectangle simply duplicates the magnetic strip from your actual credit card so you can swipe with style, as opposed to fishing some pedestrian, bank-issued plastic out of your wallet.
Still, the black-card wannabe did deliver some New York swank, from the hottest hotels to the most exclusive clubs. Magnises hosted gatherings at such chic venues as the Hotel on Rivington and the Gansevoort. Rapper Wale headlined the company's first holiday party. A Magnises fashion show attracted actress Rosario Dawson, Richard Fortus from Guns N' Roses and Cobra Starship front-man Gabe Saporta. A Brooklyn party featured rapper Rick Ross with fire dancers. The startup's first anniversary blowout at Space Ibiza starred Juelz Santana and Ace Hood. Shaggy even played downtown Manhattan's luxe Tao restaurant under the disco ball.
Despite the hype and the stardust, though, it was never clear just how well Magnises was doing. In 2014, Magnises told the press it had around 1,200 members. In September 2016, McFarland said he had 30,000 cardholders. Two months later, at a conference in Portugal, he claimed 100,000 customers, which would mean Magnises had a staggering annual growth rate in those two years. The company's WeFunder page claimed over 10,000 members. McFarland said last year that his goal was to attract 1 million members across 50 markets by 2019.
McFarland, who is free on bail, and his lawyer didn't respond to multiple requests for comment about the fate of Magnises.
McFarland appeared on the New York startup scene in 2011, when he was just 20. Raised in New Jersey, he had attended a prestigious preparatory school before going to Bucknell University. During his freshman year , he dropped out and founded a company called Spling, a platform for online advertising, and was accepted into startup accelerator Dreamit. In 2013, Magnises was born. Early on, McFarland met Ja Rule, whose real name is Jeffrey Atkins, while booking the rapper for a show. (As McFarland tells it, they met while sharing a helicopter ride.) Atkins joined Magnises in a creative role before going on to help McFarland start Fyre Media. A representative for Atkins said the musician had no operational role in Magnises.
McFarland surrounded himself with characters, famous and attractive, but spent little time running his startups, according to a former co-worker who requested anonymity. Colleagues described him as uncannily persuasive, easily earning the trust of investors. With McFarland as pitchman, Magnises and its dozen or so employees attracted cash from Deep Fork Capital, an early stage fund based in Menlo Park, California, and New York-based Great Oaks Venture Capital. They injected as much as $3 million into Magnises, according to the startup, though neither firm now lists the company on their websites. Advisers with a variety of backgrounds hopped aboard, such as socialite Dori Cooperman and Avi Savar, who runs Dreamit, according to their LinkedIn pages. Matt Morchower, formerly an executive at a private-jet card company, joined up as chief operating officer, though he left within a year. Morchower couldn't be immediately reached, while the rest didn't respond to requests for comment.When McFarland wasn't pitching insiders, he was pitching the public. He went on Fox Business, CNBC and Bloomberg TV. His company was also profiled by the New York Times. Sometimes appearing alongside Ja Rule, McFarland was continuously puffing up his product, using the same talking points almost verbatim. He speaks with a rapid staccato, with every phrase ending abruptly as he hopscotches from one marketing buzzword to the next.
Early on, home base for Magnises was a townhouse in Manhattan's West Village, which was used to host parties and dinners for members. The well-appointed building was a co-working space by day, with tables to spread out laptops and papers, and a fancy frat house by night, replete with booze for carousing. McFarland conducted business meetings at the location, and he even made all the Magnises metal cards on site.
The landlord wasn't pleased. In a $100,000 lawsuit filed in 2015, the owner alleged that McFarland used a residential space to conduct commercial business, leaving the building "trashed." McFarland "damaged and destroyed several windows and virtually all the kitchen appliances" and left the townhouse "in a state of total disrepair, rubble, and disarray," according to court papers. McFarland largely denied the main allegations in court filings. The case was settled in January 2016. Magnises subsequently decamped for a more traditional office further uptown, in Manhattan's Chelsea neighborhood.
The extent of Johnnie Walker's relationship with Magnises was participation in a few small events wherein the brand provided whisky experts for tasting opportunities to Magnises' members in attendance.
As time went on, Magnises members increasingly complained of broken promises. Ticket orders for events such as concerts or theater shows would go unfulfilled. International vacations booked through the club would be canceled at the last minute. Websites started popping up for irked Magnises members. Then the bad press began.
Financial researcher Chris Connelly, 38, said he ordered tickets to the hit Broadway show "Hamilton" through Magnises, forking over thousands of dollars. One set of tickets arrived just fine. An additional booking was canceled a week beforehand. A final pair, bought for a friend flying in from Europe, was denied with just two days notice, he said. Demands for refunds went unanswered, and he eventually contacted the consumer protection bureau at the New York Attorney General's office. "Obviously," after months of back-and-forth, "I canceled that membership," said Connelly.
It's been nine months since McFarland unveiled his million-millennial goal for Magnises. It's been four months since Fyre Festival imploded. While it's clear that Magnises was already having difficulties, the festival's very public failure and McFarland's subsequent arrest may have been the final blow.
Just weeks after the concert imploded, Magnises terminated the lease on its Chelsea office, according to a person familiar with the matter. Several employees left for Ollie, a co-living space startup it once partnered with, according to a different person familiar with the shift, adding that Magnises agreed to transfer some of its technology, too. Attempts to purchase a new membership on Magnises's website are met with error messages. Stripe, the company's credit-card processor, didn't reply to requests for comment.
In an interview last September, McFarland bragged of the long waiting list to be a Magnises cardholder. Like the Fyre Festival, the card was built on a promise of exclusivity and luxury. And while the apparent end of Magnises wasn't as spectacular, the parallel didn't escape federal prosecutors.
After his release on $300,000 bail, McFarland waved off photographers as he left the building, his entourage replaced by a single public defender. He wasn't heading back to his pricey Manhattan apartment. McFarland was headed to New Jersey to stay with his parents.


text:
import re
import logging
from utils import mongo
from utils import entity_extraction
from utils import entity_resolver

money_search = ur'([£$€])(\d{1,3}(?:,\d{3})*(?:\.\d{2})?)'
date_search = ur'(\d{1,2}\s(?:January|February|March|April|May|June|July|August|September|October|November|December)\s\d{4})'

class ParseMPsInterests:
    def __init__(self, **kwargs):
        self._logger = logging.getLogger('spud')
        self.resolver = entity_resolver.MasterEntitiesResolver()
        self.db = mongo.MongoInterface()
        self.PREFIX = "mps_interests"
        if kwargs["refreshdb"]:
            self.db.drop("%s_parse" % self.PREFIX)

    def run(self):
        all_interests = self.db.fetch_all("%s_scrape" % self.PREFIX, paged=False)
        for doc in all_interests:
            # we currently ignore documents before this date,
            # because they're harder to parse
            if doc["date"] < "2010-09-06":
                continue

            # each document contains a day's recorded interests for an MP
            # document structure is:
            #   contents > interests / categories > interest
            # parsed output is a document per mp structured:
            #   mp > interests / categories > interest

            resolved_name = self._get_mp(doc["mp"])
            self._logger.debug("\n%s" % resolved_name)
            categories = self._get_category_data(doc["interests"])

            mp_data = {
                "mp": resolved_name,
                "interests": categories,
                "date": doc["date"],
                "source": doc["source"]
            }

            self.db.save("%s_parse" % self.PREFIX, mp_data)

    def _get_category_data(self, categories):
        categories_data = []
        for category in categories:
            cat_data = {
                "category_name": category["category_name"],
                "category_records": self._parse_category(category)
            }
            # self._logger.debug("\n%s\n" % cat_data)
            categories_data.append(cat_data)
        return categories_data

    def _parse_category(self, record):

        # members interests are not structured at source &
        # each entry captured in free text
        # the record is a python list, with each line from the free text
        # stored as a list item

        # individual categories to conform to specific conventions
        # this function picks the appropriate parser for each convention

        #self._show_record(record)

        category_name = self._fix_categories(record["category_name"])

        self._logger.debug("* %s" % category_name)

        if category_name.lower() == "directorships":
            return self._parse_list_record(record)
        elif category_name.lower() == "remunerated directorships":
            return self._parse_list_record(record)
            #pass
        elif category_name.lower() == "remunerated employment, office, profession etc":
            return self._parse_list_record(record)
            #pass
        elif category_name.lower() == "remunerated employment, office, profession, etc_":
            return self._parse_list_record(record)
            #pass
        elif category_name.lower() == "clients":
            return self._parse_clients(record)
            #pass
        elif category_name.lower() == "land and property":
            pass
            #return self._parse_land_ownership(record)
            #pass
        elif category_name.lower() == "shareholdings":
            return self._parse_unstructured_record(record)
            #pass
        elif category_name.lower() == "registrable shareholdings":
            return self._parse_unstructured_record(record)
            #pass
        elif category_name.lower() == "sponsorships":
            return self._parse_sponsorships(record)
            #pass
        elif category_name.lower() == "sponsorship or financial or material support":
            return self._parse_sponsorships(record)
            #pass
        elif category_name.lower() == "overseas visits":
            return self._parse_travel_record(record)
            #pass
        elif category_name.lower() == "gifts, benefits and hospitality (UK)":
            return self._parse_gifts(record)
            #pass
        elif category_name.lower() == "overseas benefits and gifts":
            return self._parse_gifts(record)
            #pass
        elif category_name.lower() == "miscellaneous":
            return self._parse_unstructured_record(record)
            #pass
        elif category_name.lower() == "miscellaneous and unremunerated interests":
            return self._parse_unstructured_record(record)
            #pass
        elif category_name.lower() == "loans and other controlled transactions":
            # TODO write a parser for this
            pass
        else:
            self._logger.debug("   * %s" % category_name)

    def _parse_list_record(self, data):

        # this interest record follows the following format:
        # record[0] = interest name, with one exception
        # record[1:] remuneration & date details related to that interest

        interest_name, remuneration = None, None
        records = []
        for record in data["records"]:
            full_record = u"\n".join([item for item in record])
            if len(record) > 0:
                first = record[0]
                test = record[0].lower()

                # record[0] may not contain the interest name
                # e.g. in the Clients category members with multiple
                # directorships will entry which company the interests
                # are clients of.

                if "(of " == test[:4] or "of " == test[:3] or "  of " == test[:5]:
                    if len(record) > 1:
                        # if record[0] use next line as first record
                        first = record[1]
                interest_name = self.resolver.find_influencer(first)
                if interest_name:
                    # if no interest is found, skip record
                    payments = [self._find_money(item) for item in record]
                    dates = [self._find_dates(item) for item in record]
                    remuneration = zip(payments, dates)
                    cleaned_remuneration = self._cleanup_remuneration(remuneration)

                    entry = {
                        "interest": interest_name,
                        "remuneration": cleaned_remuneration,
                        "raw_record": full_record
                    }

                    self._logger.debug(" ---> interest: %s" % interest_name)
                    self._logger.debug(" ---> remuneration_clean: %s\n\n" % cleaned_remuneration)
                    # self._logger.debug(" ---> full record: %s" % full_record)

                    records.append(entry)
                else:
                    self._logger.debug("######## %s" % record)
                self._logger.debug("-")
        return records

    def _parse_travel_record(self, data):

        # this interest record follows the following format:
        # record[0] = interest name
        # record[2] = remuneration
        # record[3] = destination
        # record[4] = visit dates
        # record[5] = purpose
        # record[6] = date interest was registered

        records = []
        for record in data["records"]:
            full_record = u"\n".join([item for item in record])
            interest_name, amount, destination = None, None, None
            visit_dates, purpose, registered = None, None, None
            if len(record) == 7:
                interest_name = self.resolver.find_influencer(record[0])
                if not interest_name:
                    interest_name = self._split_if_colon(record[0])
                amount = [y for x, y in self._find_money(record[2])]
                destination = self.resolver.get_entities(record[3])
                visit_dates = self._split_if_colon(record[4])
                purpose = self._split_if_colon(record[5])
                registered = self._find_dates(record[6])
            elif len(record) != 7:
                # this interest record is typically 7 lines but there are exceptions
                # parse each line for interest details when this is the case
                for item in record:
                    if "Name of donor" in item:
                        interest_name = self.resolver.find_influencer(record[0])
                        if not interest_name:
                            interest_name = self._split_if_colon(record[0])
                    elif "Amount of donation" in item:
                        amount = [y for x, y in self._find_money(item)]
                    elif "Destination of visit" in item:
                        destination = self.resolver.get_entities(item)
                    elif "Date of visit" in item:
                        visit_dates = self._split_if_colon(item)
                    elif "Purpose of visit" in item:
                        purpose = self._split_if_colon(item)
                    elif "Registered" in item:
                        registered = self._find_dates(item)

            entry = {
                "interest": interest_name,
                "remuneration": amount,
                "purpose": purpose,
                "vist_dates": visit_dates,
                "registered": registered,
                "raw_record": full_record
            }

            self._logger.debug(" ---> interest: %s" % interest_name)
            self._logger.debug(" ---> dest/cost: %s %s" % (destination, amount))
            self._logger.debug(" ---> registered: %s" % registered)
            self._logger.debug("-")

            records.append(entry)
        return records

    def _parse_unstructured_record(self, data):

        # this interest record has interest information on every line
        # record[0] may have the Clients category exception

        records = []
        for record in data["records"]:
            for item in record:
                interest_name = None

                # record[0] may not contain interest data
                # e.g. in the Clients category members with multiple
                # directorships will entry which company the interests
                # are clients of.

                if "(of " == item[:4].lower() or "of " == item[:3].lower():
                    continue
                else:
                    interest_name = self.resolver.find_influencer(item)
                    dates = self._find_dates(item)
                    if interest_name:
                        # if no interest is found, skip record
                        entry = {
                            "interest": interest_name,
                            "registered": dates,
                            "raw_record": item
                        }
                        self._logger.debug(" ---> interest: %s" % interest_name)
                        self._logger.debug(" ---> registered: %s" % dates)

                        records.append(entry)
        return records

    def _parse_sponsorships(self, data):

        # this interest record follows the following format:
        # record[0] = interest name
        # record[2] = remuneration & nature of gift
        # record[3] = donor status
        # record[4] = date interest was registered

        records = []
        for record in data["records"]:
            full_record = u"\n".join([item for item in record])
            interest_name, amount = None, None
            donor_status, registered = None, None
            if len(record) == 1:
                continue
            elif len(record) == 5:
                interest_name = self.resolver.find_influencer(record[0])
                if not interest_name and ":" in record[0]:
                    interest_name = self._split_if_colon(record[0])
                amount = [y for x, y in self._find_money(record[2])]
                donor_status = self._split_if_colon(record[3])
                registered = self._find_dates(record[4])
            else:
                for item in record:
                    # this interest record is typically 5 lines but there are exceptions
                    # parse each line for interest details when this is the case
                    if "Name of donor" in item:
                        interest_name = self.resolver.find_influencer(record[0])
                        if not interest_name and ":" in item:
                            interest_name = self._split_if_colon(item)
                    elif "Amount of donation" in item:
                        amount = [y for x, y in self._find_money(record[2])]
                    elif "Donor status" in item:
                        donor_status = self._split_if_colon(item)
                    elif "Registered" in item:
                        registered = self._find_dates(item)

            entry = {
                "interest": interest_name,
                "remuneration": amount,
                "donor_status": donor_status,
                "registered": registered,
                "raw_record": full_record
            }

            self._logger.debug(" ---> interest: %s" % interest_name)
            self._logger.debug(" ---> registered: %s" % registered)

            records.append(entry)
        return records

    def _parse_gifts(self, data):

        # this interest record follows the following format:
        # record[0] = interest name
        # record[2] = remuneration & nature of gift
        # record[3] = date received
        # record[4] = date accepted
        # record[5] = donor status
        # record[6] = date interest was registered

        records = []
        for record in data["records"]:
            interest_name, amount, nature, accepted = None, None, None, None
            donor_status, registered, receipt = None, None, None
            full_record = u"\n".join([item for item in record])
            if len(record) == 7:
                interest_name = self.resolver.find_influencer(record[0])
                if not interest_name and ":" in record[0]:
                    interest_name = self._split_if_colon(record[0])
                amount = [y for x, y in self._find_money(record[2])]
                nature = self._split_if_colon(record[2])
                receipt = self._find_dates(record[3])
                accepted = self._find_dates(record[4])
                donor_status = self._split_if_colon(record[5])
                registered = self._find_dates(record[6])
            else:
                for item in record:
                    # this interest record is typically 7 lines but there are exceptions
                    # parse each line for interest details when this is the case
                    if "Name of donor" in item:
                        interest_name = self.resolver.find_influencer(record[0])
                        if not interest_name and ":" in item:
                            interest_name = self._split_if_colon(item)
                    elif "Amount of donation" in item:
                        amount = [y for x, y in self._find_money(item)]
                        nature = self._split_if_colon(item)
                    elif "Date of receipt" in item:
                        receipt = self._find_dates(item)
                    elif "Date of acceptance" in item:
                        accepted = self._find_dates(item)
                    elif "Donor status" in item:
                        donor_status = self._split_if_colon(item)
                    elif "Registered" in item:
                        registered = self._find_dates(item)

            entry = {
                "interest": interest_name,
                "remuneration": amount,
                "nature": nature,
                "receipt": receipt,
                "donor_status": donor_status,
                "accepted": accepted,
                "registered": registered,
                "raw_record": full_record
            }

            self._logger.debug(" ---> interest: %s" % interest_name)
            self._logger.debug(" ---> registered: %s" % registered)
            self._logger.debug("-")

            records.append(entry)
        return records

    def _parse_land_ownership(self, data):

        # this interest record has interest information on every line

        records = []
        for record in data["records"]:
            full_record = u"\n".join([item for item in record])
            for item in record:
                locations = self.resolver.get_entities(item)
                if isinstance(locations, list):
                    locations = locations[0]
                dates = self._find_dates(item)
                if locations:
                    self._logger.debug("----> %s %s" % (locations, dates))
                entry = {
                    "interest": locations,
                    "raw_record": full_record
                }
                records.append(entry)
        return records

    def _parse_clients(self, data):

        # client interests one one of two conventions,
        # list records or unstructured records
        # pick the appropriate one based on the full record structure

        for record in data["records"]:
            if len(record) == 1:
                self._parse_unstructured_record(data)
            elif len(record) > 1:
                check = record[-2].lower()
                if "payment of" in check or "fees of" in check or "received" in check:
                    return self._parse_list_record(data)
                else:
                    return self._parse_unstructured_record(data)
            break

    def _find_dates(self, data):
        dates = re.findall(date_search, data)
        if dates:
            return dates
        else:
            return None

    def _find_money(self, data):
        money = None
        money = re.findall(money_search, data)
        return money

    def _get_mp(self, entry):
        # TODO Veify entity extraction is working as expected
        result = self.resolver.find_mp(entry)
        if not result:
            return entry
        else:
            return result

    def _show_record(self, data):
        self._logger.debug("   * %s" % data["category_name"])
        print data["records"]
        for record in data["records"]:
            for item in record:
                self._logger.debug("     %s" % item)
            self._logger.debug("---")

    def _cleanup_remuneration(self, data):
        money_entry, date_entries = 0, 1
        new_list = []
        if data:
            for entry in data:
                if len(entry[0]) > 0:
                    # self._logger.debug("%s %s" % (entry[0][0][1], entry[1]))
                    if entry[date_entries] and len(entry[date_entries]) > 1:
                        received = entry[date_entries][0]
                        registered = entry[date_entries][1]
                    elif entry[1] and len(entry[1]) == 1:
                            received = "Unknown"
                            registered = entry[date_entries][0]
                    else:
                        received = "Unknown"
                        registered = "Unknown"
                    new_entry = {
                        "amount": entry[money_entry][0][1],
                        "received": received,
                        "registered": registered,
                    }
                    new_list.append(new_entry)
        else:
            new_list.append("No data")
        return new_list

    @staticmethod
    def _split_if_colon(text):
        result = text.strip()
        if len(text.split(":")) > 1:
            result = text.split(":")[1].strip()
        return result

    def _print_out(self, key, value):
        self._logger.debug("  %-30s%-20s" % (key, value))

    @staticmethod
    def _fix_categories(cat):
        if cat == "Remunerated employment, office, profession, etc_":
            cat = "Remunerated employment, office, profession etc"

        if cat == "Remunerated employment, office, profession etc_":
            cat = "Remunerated employment, office, profession etc"

        if cat == "remunerated employment, office, profession et":
            cat = "Remunerated employment, office, profession etc"

        if cat == "Gifts, benefits and hospitality (UK) Hours: 8 hrs_":
            cat = "Gifts, benefits and hospitality (UK)"
        return cat

def parse(**kwargs):
    ParseMPsInterests(**kwargs).run()

redpajama_set_name: RedPajamaGithub


Rotarians and prospective members are welcome. Prospective members will see that Rotarians can have fun as we do business with each other.
Please RSVP at the Rotary Means Business website (see the link). There will be a fee of $10 collected at the door.
This is an event that you will not want to miss.


Hey, Tiger families, we've developed a fantastic new resource we can't wait to share with you! From homework help to fun math games, parenting tips to teacher resources, the links below are like an educational toolbox at your fingertips. Happy clicking!
While Greendale Middle School actively monitors the content of this website, we do not claim any responsibility for content outside this website, otherwise known as "offsite" content. We make every effort to ensure that offsite content is appropriate and in good taste; however, we have no control over the constantly changing Internet landscape. If you see something questionable (links to inappropriate websites, foul language, etc.), please e-mail our webmaster, and we will remove that material or link immediately. Also, if you have sites you'd like to suggest that we add, please send us those links for evaluation.


For those of you who are wondering why I'm writing this entry starting at 7:19 AM, you can blame it on a combination of Scooter's early morning enthusiasm, and rumors that Adam Lambert will be performing on the Early Show. I figure if Adam is on, they'll save him for the second hour, and I can exercycle to him. While I'm waiting, I'll catch you up on everything else.
The big news is that I've created a term that Google never seems to have heard before. It is a description of Scooter's personality, especially as he exhibits it circa 5 AM. Scooter is Purrsive Aggressive!
Actually, the way I was at New Paltz Crafts Fair this weekend, I could have been described as Purseive Aggressive. A quick trip to Google just now shows I invented that one too.
Between following Adam's every potential move and creating terms for Google, I haven't read that much in Mistress Of The Monarchy. Here's what I know so far: Katherine Swynford's parents are either alive or dead, she's either 4 years old or 28, her sister's granddaughter became a duchess, and the black plague killed off feudalism. I sense a great deal of wheel spinning on Alison Weir's part thus far (which is appropriate enough, since Katherine Swynford was a big St. Catherine fan).
I'm getting a little nervous. The Early Show's been on for half an hour, and I haven't heard them mention Adam yet. I'd hate to think I was watching TV this early for naught (not that Scooter would let me sleep this late).
Hmm. They just showed a big crowd, but they still didn't mention Adam. I find this increasingly worrisome.
I don't anticipate a lot of changes, just bumping up some emotion, fleshing out character traits here and there, and providing a sense of background to a few questions that arose early on for those who hadn't read the first two books.
I definitely like the part about not a lot of changes, especially since there was no reference to changing the fabulous ending (the changing of which would involve lots and lots of changes). I suppose I could reread the book this week myself, in preparation for the rewrites. I haven't looked at This World since I sent it off over two months ago. Since then I've been to California and Connecticut and New Jersey and New Hampshire and won several awards (none of which I've actually seen) and acquired a kitten (who I see all the time) and solved the problem of my mother's eye drops, and did volunteer work for two different local organizations, and visited with friends, and suffered through the American Idol finale, and watched dozens, possibly zillions, of episodes of Clean House, and planted five window boxes of impatiens, and learned that Nathan Hale was a remarkably incompetent spy and that the black plague was not Katherine Swynford's fault. Not to mention creating two new terms for Google.
I suppose after all that I should be willing to get back to work. Especially if there's no Adam on the Early Show!
Did Adam ever show up on your show?
One last point/question. My son's English teacher told him that 'alright' isn't a word and he won't get into college or find a job if he writes it as one word in a letter. She says only 'all right' is correct. Any thoughts?
No Adam (after all that waiting and watching). Time Warner lied. Adam taped an appearance, but they won't show it until Thursday. For those who need to know everything (i.e. me), he sang Mad World and some guy yelled, "Move with me to Vermont!"
I was taught to spell it all right, and pretty much threatened with a life of failure and despair if I spelled it alright. Nice to know some things haven't changed.
I'm spending the afternoon reading This World We Live In. Except for little mistakes I keep finding (embarrassing after all the revisions I did), I'm thoroughly enjoying myself.
Oh- I just remembered. My second book to get published was called Better Than All Right. It sold approximately three copies, and my mother bought two of them. It had a great hardcover jacket though.
You must feal pretty sad he didn't show up. My friend didn't like eather one. She is still going crazy over David Cook.
I know this is a reading blog, but do any of you like Taylor Swift? I just got her CD called Fearless.
By the way, did you decide what to call This World We Live In? And will LAWKI become a movie?
I'm still considering your suggestion of MB3, but I'm not absolutely decided yet. If anyone else has suggestions, I'm open to them.
As of the moment, there's no movie version of LAWKI planned. I haven't given up hope yet.
I like David Cook. But I'm looking forward to seeing Adam tomorrow on Regis and Kelly (that's what I'll exercise to in the morning!).
The reason I decided to visit your blog is to tell you I finally took my friend's advice and read LIFE AS WE KNEW IT. Oh my gosh, lady, you made sure I didn't get a lick of work done at the house today! Now I go in search of the second.
Given how actively I avoid working, I'm pleased to have provided you with an excuse as well.
Say hi to your friend with excellent taste for me.
And pardon me while I whoo hoo! My word verification is zinger, which is an actual word and thus should be much more easy to type.
Maybe Google was so delighted I mentioned it in the blog heading, they rewarded me with a real word to identify!


text:
15th Annual Liability and Workers' Compensation Seminar – March 4, 2021 (Click to register)
Gail C. Bradford
Jeffry J. Branham
Gloria A. Carr
Patricia M. Rego Chapman
Joseph R. Flood
John M. Joyce
Alan D. Kalinoski
William E. Lawton
Bryan A. Lowe
Michael A. Lowe
S. Renee Stephens Lundy
Meredith L. McAvoy
Dale O. Morgan
G. Clay Morris
Douglas T. Noah
Lamar D. Oxford
F. Scott Pendley
Ivelis Quinones
John D. Robinson
Courtney L. Tournade
Frank C. Wesighan
Jenna M. Winchester
Gary M. Wheeler
Hanton H. Walters
Alyssa J. Flood
CONTACT: Business Card
EMAIL: ctournade@drml-law.com
Personal Injury and Property Damage Defense
Governmental Entity Defense
A central Florida native, Ms. Tournade graduated with Honors from the University of Florida with a Bachelor of Arts in Political Science and a minor in Business Administration. She received her Juris Doctor with Honors from the University of Florida Levin College of Law. During law school, Ms. Tournade gained litigation experience working for various defense firms and the Alachua County Courthouse. Additionally, she was a litigation extern for the Florida Board of Governors Self Insurance Programs where she worked on sovereign immunity issues arising in cases brought against teaching hospitals located throughout Florida. Finally, Ms. Tournade spent a summer working with the firm of Dean, Ringers, Morgan & Lawton, P. A. as a law clerk, and joined the firm upon graduation as an Associate attorney practicing civil litigation.
She is a member of the Florida Bar and the Orange County Bar Association, and is admitted to practice in all Florida trial and appellate courts. She concentrates her practice in general liability defense
University of Florida Levin College of Law (Juris Doctor, cum laude, 2017)
University of Florida (Bachelor of Arts, magna cum laude, 2014)
Courts Admitted
All State courts in Florida
Orange County Bar Association
Awards/Activities
Book Award, Legal Drafting
Book Award, Medical Malpractice
Book Award, Federal Courts
Schedule Seminar
© Copyright 2021 Dean, Ringers, Morgan & Lawton, P.A.
201 East Pine Street, Suite 1200 Orlando, FL 32801 - Phone 407-422-4310 - Fax 407-648-0233
Law Website Design


text:
The Poet Laureate of Maine is the poet laureate for the U.S. state of Maine. The Maine State Poet Laureate is appointed by the governor for a 5 year term, and the program is managed by the Maine Arts Commission. The program was established in 1995 via Maine Public Law 1995, Chapter 264 and codified via Maine Revised Statutes, Title 27, Chapter 15, Subchapter 2.

List of Poets Laureate
 Kate Barnes (1996-1999)
 Baron Wormser (2000-2005)
 Betsy Sholl (2006-2011)
 Wesley McNair (2011-2016)
 Stuart Kestenbaum (2016-2021)
 Julia Bouwsma (2021-present)

See also

 Poet laureate
 List of U.S. states' poets laureate
 United States Poet Laureate

References

Maine culture
Lists of poets
American Poets Laureate

redpajama_set_name: RedPajamaWikipedia


Illinois -- Gabrielle Abesamis said she and her classmates at Niles West High School in Skokie receive plenty of information about marijuana from their health teachers, but when it comes to using the drug, some of her peers shrug off the lessons and just say YOLO — "You Only Live Once."With medical marijuana now encoded into Illinois law, she said, that attitude will only strengthen. "Even though it's for medical use, I don't think that matters to them," said Abesamis, 17. "The fact that it's legal for some people to possess it, they feel it's OK for them to have it too."
The New Obstacle To Anti-Pot Campaign?
Facts and the unmasking of lies perpetrated by your own government... on the internet!
Bulls Eye! Great rant!Happy sunday all, don't bogard that joint!
Cannabis Is Non-Toxic, Cures Cancers and Many Other Diseases!
After all these years, after all this time and money wasted, the prohibs still don't see the real problem...because they refuse to look in the mirror. For every single 'official' source quoted in this article has a mercenary motive. One not concerned with the welfare of their present and future victims, but with their own paychecks. Each and every quoted prohibitionist has significantly benefited by two things: greed and mendacity. The greed of letting dollar signs cloud their judgement...and the mendacity that that greed requires to keep repeating the lies that support that greed.One other thing: they keep forgetting that kids are not, as the old saying went, 'tabula rasas'. They are not 'blank slates', incapable of learning the truth for themselves, wholly dependent upon parents and educators. Once those parents and educators lie to their own progeny, said progeny realize they need to find out things for themselves...and they do.Needless to say, that's where the Intenet comes into play; the Internet has proven to be the prohibitionist's worst nightmare, providing the tools needed to separate the truth from the lies their targets have been told about drugs. And when their targets learn that truth, the mendacious prohibs are revealed for what they are: mercenary liars seeking to either feather their own nests and/or maintain an (ultimately, illusory) control over their fellow citizens, based on an ideology fueled by authoritarianism.Same old prohib game, lying for power and profit...and it's doomed. For the kids can find out the truth with a few mouse clicks. A fact which seems to have eluded the authors, who don't deserve to be called 'journalists' for their cut-and-paste rote regurgitation of propaganda.
Oh that proverbial dark place with the damp...!


This is a great way to take your coffee to the next level by combing in with the health fats from Bulletproof Brain Octane and grass-fed butter or Ghee.
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100% Caprylic acid triglycerides or 8-carbon medium-chain triglycerides from coconut oil.


text:
PATRICK RUNS DISNEY
GAYS DO THE D PODCAST
© 2020 by Gays Do the D
By becoming a patron of Gays Do the D, you will have access to benefits like shout-outs on the podcast and social media, exclusive giveaways and perks and live Q&A opportunities with Adam and Patrick. Additionally, new members at the $25, $50, $75 and $100 monthly tiers will receive a bonus thank you gift after your second month of being a patron. As we continue to grow, we will establish new ways to thank our members. Have an idea for exclusive content or a thank you gift that you would like to receive for becoming a member? Let us know!
No donation is too small, and we sincerely appreciate any contribution. While we don't expect anyone to feel like they should be a donor, we do want to acknowledge and give gratitude to those that contribute to our mission of producing a quality podcast with the best Disney content.


Coherent sampling is quite difficult to meet under the lab conditions. One has to go for windowing to characterize the dynamic performance of ADC. Though seminal papers and reports [1-2] lie on my desk for quite long time, I still feel difficult to really understand windowing. Recently, I found two posts from Nerd Rage (Windows of Opportunity & ENBW) quite helpful, which are easier to digest.
And now, finally, I decide to write down my very limited understanding on FFT with windowing, focusing on characterizing the dynamic performance of ADC in Matlab. Let's go straightforward by first looking at the Matlab script I am using to calculate the SNR/SNDR of ADC.
A default FFT using rectangular/box window has a normalized coherent gain as 1, a normalized equivalent noise bandwidth as 1, and only 1 signal bin. Hence, if other types of window are used, the corresponding window properties need to be specified. It's all about two values: 1) the sum of the window terms; and 2) the sum of the squares of the window terms. Equations from the seminal paper  tell us why the two sums matter.
Hence, the output amplitude of the noiseless signal is the input amplitude multiplied by a term which is the sum of the window terms (S1). This term is called the processing gain (sometimes called coherent gain) of the window. The rectangular window has the largest gain compared to other windows. In the Matlab script, the normalized coherent gain (normalized by S1 of the rectangular window) is specified.
As additive noise is assumed to be white, the above value represents the noise floor level (or the noise power spectral density), which is also constant. Notice the power gain of noise is the sum of the squares of the window terms (S2).
Therefore, to obtain correct power levels of the signal and the noise, the normalized coherent gain is subtracted from the PSD and the normalized ENBW is subtracted from the calculated total noise power, respectively.
Note: for Hann window, 20log(s1/N) = -6.02dB; 10log(s2/N)=-4.26dB; N*s2/s1^2 = 1.5.
Sorry for the boring and not well-written post (though I've tried my best). Fig.4 is just for a smile when one finishes reading all the above dull words.
Last but not least, may Mr. Fourier's wisdom be always with us!
 Frederick J. Harris, "On the Use of Windows for Harmonic Analysis with the Discrete Fourier Transform," Proceedings of the IEEE, vol 66, pp. 51-83, January 1978.
 G. Heinzel, A.Rudiger, and R. Schilling, "Spectrum and spectral density estimation by the Discrete Fourier transform (DFT), including a comprehensive list of window functions and some new flat-top windows," February 15, 2002.
This entry was posted in Data Converter, Matlab and tagged FFT, windowing. Bookmark the permalink.


Aim To test the hypothesis that communities with higher diversity have more predictable properties by examining patterns of community structure along a species richness gradient.
Location Trinidad and Tobago (11 degrees 00 N, 61 degrees 00 W), on the South American continental shelf, opposite the Orinoco River delta, north-east Venezuela.
Methods We used quantile regressions to investigate how three total abundance, absolute and relative dominance measures - numerical abundance, biomass and energy use, respectively - change across a species richness gradient. We investigated which allocation rule best mimics community assembly in this species richness gradient by examining the abundance of the dominant species and comparing it with predictions of niche apportionment models.
Results All measures of total abundance increase on average across the gradient, but the upper limit remains constant. On average, absolute dominance is constant, but the distance between the upper and lower limits decreases along the gradient. Relative dominance decreases with species richness. Observed dominance patterns are best described by Tokeshi's random fraction model.
Main conclusions Our results show that both total abundance and absolute dominance become increasingly variable as biodiversity decreases. Consequently, our study suggests that ecosystem properties are less predictable when biodiversity is lower.
Dornelas, M., Gotelli, N. J., Shimadzu, H., Moyes, F., Magurran, A. E. & McGill, B. J., 15 Mar 2019, In : Ecology Letters. Early View, 8 p.
Magurran, A. E., Deacon, A. E., Moyes, F. H., Shimadzu, H., Azeredo de Dornelas, M. A., Phillip, D. & Ramnarine, I., 20 Feb 2018, In : Proceedings of the National Academy of Sciences of the United States of America. 115, 8, p. 1843-1847 5 p.
Gotelli, N., Shimadzu, H., Dornelas, M., McGill, B., Moyes, F. & Magurran, A. E., 26 Jul 2017, In : Science Advances. 3, 7, 8 p., e1700315.
Henriques Antão, L., Connolly, S. R., Magurran, A. E., Soares, A. & Dornelas, M., Feb 2017, In : Global Ecology and Biogeography. 26, 2, p. 203-215 13 p.
McGill, B., Azeredo de Dornelas, M. A. & Field, R., 31 Jan 2016, In : Global Ecology and Biogeography. p. 1-2 2 p.
McGill, B. J., Dornelas, M. & Field, R., Dec 2016, In : Global Ecology and Biogeography. 25, 12, p. 1525-1526 2 p.
Mitchard, E. T. A., Feldpausch, T. R., Brienen, R. J. W., Lopez-Gonzalez, G., Monteagudo, A., Baker, T. R., Lewis, S. L., Lloyd, J., Quesada, C. A., Gloor, M., ter Steege, H., Meir, P., Alvarez, E., Araujo-Murakami, A., Aragao, L. E. O. C., Arroyo, L., Aymard, G., Banki, O., Bonal, D., Brown, S. & 59 othersBrown, F. I., Ceron, C. E., Chama Moscoso, V., Chave, J., Comiskey, J. A., Cornejo, F., Corrales Medina, M., Da Costa, L., Costa, F. R. C., Di Fiore, A., Domingues, T. F., Erwin, T. L., Frederickson, T., Higuchi, N., Honorio Coronado, E. N., Killeen, T. J., Laurance, W. F., Levis, C., Magnusson, W. E., Marimon, B. S., Marimon Junior, B. H., Mendoza Polo, I., Mishra, P., Nascimento, M. T., Neill, D., Nunez Vargas, M. P., Palacios, W. A., Parada, A., Pardo Molina, G., Pena-Claros, M., Pitman, N., Peres, C. A., Poorter, L., Prieto, A., Ramirez-Angulo, H., Restrepo Correa, Z., Roopsind, A., Roucoux, K. H., Rudas, A., Salomao, R. P., Schietti, J., Silveira, M., de Souza, P. F., Steininger, M. K., Stropp, J., Terborgh, J., Thomas, R., Toledo, M., Torres-Lezama, A., van Andel, T. R., van der Heijden, G. M. F., Vieira, I. C. G., Vieira, S., Vilanova-Torre, E., Vos, V. A., Wang, O., Zartman, C. E., Malhi, Y. & Phillips, O. L., Aug 2014, In : Global Ecology and Biogeography. 23, 8, p. 935-946 12 p.


Our second time to the tiny island of Ambergris Caye, Belize was another memory-making adventure. We visited primarily the same attractions (aka restaurants and pools) as our first trip that was our 3.5 week parental leave. We got a day of kiteboarding in, which was great. Well, the video says it all, so have a watch when you have time.


text:
Home News Business News
Trump Tower security may have cost area businesses $40 million
by CNN
in Business News
In the days after Donald Trump's election, stores in midtown Manhattan watched a stream of foot traffic slow to a trickle as gates went up and police officers fanned out.
Security restrictions near Fifth Avenue's gilded Trump Tower have eased somewhat since then, but small businesses and people who live nearby are still worried about four years of inconvenient detours.
On Tuesday, they had a chance to sound off. A New York City Council committee met to discuss what securing Trump Tower means for the neighborhood.
"November 9 was a bit of a nightmare on Fifth Avenue," Tom Cusick, president of the Fifth Avenue Association Business Improvement District, said about the day Trump became president-elect. "The rest of November was almost as bad."
"As of today," Cusick said during the hearing, "informal estimates indicate that more than $40 million may have been lost."
Derek Walsh, co-owner of the Judge Roy Bean Public House on West 56th Street, said he has no notice before the street is closed, and finds it hard to plan. He might be overstaffed on a day when streets are closed, but understaffed when they open unexpectedly.
The street runs along the south side of Trump Tower.
Revenue at Judge Roy Bean fell 30% as a result of street closures, New York City Councilman Daniel R. Garodnick told CNNMoney. "That block felt like a ghost town."
Manhattan Borough President Gail Brewer said there are at least 105 businesses on 56th Street between Fifth and Sixth avenues — businesses that are harmed when the street is shut down to vehicular or pedestrian traffic.
"This could mean in the neighborhood of 1,000 jobs," she said. "The collective danger to all of these small businesses could significantly damage the entire neighborhood."
Jessica Walker, president and CEO of the Manhattan Chamber of Commerce, offered construction around the recently-opened Second Avenue subway as a cautionary tale. She said that some businesses could not survive the strain of years-long construction coupled with spiking rent.
"We fear that businesses near Trump Tower could be similarly threatened if this goes on for years," she said.
Trump has conducted his presidential transition almost exclusively from the skyscraper he calls home. Business owners were especially hurt because the security apparatus descended during the busy holiday season, Garodnick said.
"They are struggling, and they worry about how the security will change once he becomes the president," he said.
Garodnick, who represents parts of the East Side and midtown, says he's fielded complaints over street closures.
"You have a hotel on that block [that saw] a real bump in cancellations because people felt they couldn't access it, and for the people who did come, they had to navigate police and walk a quarter mile to hail a taxi," Garodnick said. "You also have showrooms where people can make appointments to buy clothes in the area, and they reported that their clients did not want to go anywhere near midtown."
Since the election, some streets that were inaccessible to cars have opened, and shoppers can visit retailers that were cordoned off before.
But the disturbance hit hard. In a December survey of 50 businesses around the tower, 80% reported a drop in foot traffic. Half of those said the impact was severe.
The backlash against self-driving cars officially begins
Monopoly may replace iconic pieces with emoji faces and hashtags


text:
Q: understanding 3>>2 and -3>>2 results in Java When I running the code:
public class OperateDemo18{
public static void main(String args[]){
    int x = 3 ; // 00000000 00000000 00000000 00000011
    int y = -3 ;    // 11111111 11111111 11111111 11111101
    System.out.println(x>>2) ;
    System.out.println(y>>2) ;
   }
};

I get output as:
x>>2 is 0
y>>2 is -1

As my understanding, since int x = 3, x>>2 is equal to (3/2)/2 which is 0.75, to integer, x>>2 is 0.
But I don't understand why for int y = -3, y>>2 is -1. Could anyone please explain it?

A:
As my understanding, since int x = 3, x>>2 is equal to (3/2)/2 which is 0.75, to integer, x>>2 is 0.

That's not entirely true; >> is a bitshift operation, nothing else. The effect on positive integers is division by powers of two, yes. But for unsigned integers, it's not:
You conveniently supplied the binary form of y == -3 yourself:
11111111 11111111 11111111 11111101

let's bitshift that right by two!
y   == 11111111 11111111 11111111 11111101
y>>2== xx111111 11111111 11111111 11111111

Now, what do you fill in for x?
Java, like most reasonable languages, sign-extends, ie. it uses the original highest (leftmost) bit:
y   == 11111111 11111111 11111111 11111101
y>>2== 11111111 11111111 11111111 11111111

It isn't hard to see that this is the "biggest" negative integer (remember, negative integers are represented as "two's complement"!), i.e. -1.

A: >> operator shifts the bits from left to right, and enters the most-significant (leftmost) bit from the left, therefore in case of:
00000000 00000000 00000000 00000011

it becomes:
00000000 00000000 00000000 00000000

and in case of:
11111111 11111111 11111111 11111101

it becomes:
11111111 11111111 11111111 11111111

redpajama_set_name: RedPajamaStackExchange


text:
Q: Understand a demo pdf file https://github.com/GitHubRulesOK/MyNotes/blob/master/demo.pdf
Jane Austen seems to appear 4 times in the raw pdf file.
BT +0.50 Tc -1.4 Tw 999 TL /F2 1 Tf 15 001 10. 30 200.000 440.000 Tm [(Jane A)600(usten)] TJ ET
BT +0.50 Tc 0.00 Tw 000 TL /F3 1 Tf 15 000 000 15 200.000 430.000 Tm [(Ja)-1000(ne Austen)] TJ ET
BT -1.20 Tc 0.00 Tw 999 TL /F3 1 Tf 15 000 000 15 200.000 420.000 Tm [(J)-1200(a)800(ne Austen)] TJ ET
BT +0.00 Tc 0.00 Tw 000 TL /F3 1 Tf 15 000 000 15 200.000 410.000 Tm [(Jane A)100(us)-500(ten)] TJ ET

But only see it appears once in Acrobat.
I can not following raw pdf code, Could anybody help me understand the content of this pdf file?


Complex molecules often have many structures (conformations) of the reactants and the transition states, and these structures may be connected by coupled-mode torsions and pseudorotations; some but not all structures may have hydrogen bonds in the transition state or reagents. A quantitative theory of the reaction rates of complex molecules must take account of these structures, their coupled-mode nature, their qualitatively different character, and the possibility of merging reaction paths at high temperature. We have recently developed a coupled-mode theory called multi-structural variational transition state theory (MS-VTST) and an extension, called multi-path variational transition state theory (MP-VTST), that includes a treatment of the differences in the multi-dimensional tunneling paths and their contributions to the reaction rate. The MP-VTST method was presented for unimolecular reactions in the original paper and has now been extended to bimolecular reactions. The MS-VTST and MP-VTST formulations of variational transition state theory include multi-faceted configuration-space dividing surfaces to define the variational transition state. They occupy an intermediate position between single-conformation variational transition state theory (VTST), which has been used successfully for small molecules, and ensemble-averaged variational transition state theory (EA-VTST), which has been used successfully for enzyme kinetics. The theories are illustrated and compared here by application to three thermal rate constants for reactions of ethanol with hydroxyl radical—reactions with 4, 6, and 14 saddle points.


Often described as an 'underdiscovered Middle Eastern treasure', Muscat is an amazing and relatively unheard of place. That is what makes it so appealing. Muscat is an authentic destination relatively untouched by toursim and that makes it a great place to visit for a real experience of the Middle East.
Take a look at the excursions we can offer. We can ensure that you will see the best of Muscat with one of our excursions. There is always something for everyone in a fantastic place like this!
Visit the Grand Mosque or Muscat, one of the largest in the world!
The tour will start from Mina Qaboos Port Grand Mosque.
The tour begins from the lovely port of Mina Qaboos..