In his former incarnation as the purveyor of a large bank database, and lead author of the website, Institutional Risk Analyst, Whalen did a very good job of assessing the health of banks generally and calling out the weaknesses in particular institutions, such as flagging that while the traditional bank at JP Morgan indeed looked healthy, its risks were dwarfed by those of its derivatives book. But Whalen also had a tendency to rely overmuch on sources outside his core beat and neither master nor verify what they were telling him. At IRA, I'd see posts that had serious errors on macroeconomics, and were garbled or just wrong on technical but nevertheless important issues, such as on CDOs and credit default swaps. So Whalen has a history of not recognizing the limits of his knowledge.
Whalen is also close to Paul Jackson, the publisher of Housing Wire, which has run pro-mortgage-serivcer propaganda for years. I do not know if it is true now, but when the robosigning/chain of title issue was hot, the bank/servicer foreclosure management service provider (more accurately, liability shield) Lender Processing Services, was Jackson's most important client. And industry ties go even deeper. Jackon's father, who runs a major Calofornia foreclosure mill, is a major investor in Housing Wire. Needless to say, its coverage of servicing abuses made Pravda look like a paragon of objectivity. As Dave Dayen wrote in "The Corruption of the Financial Press: A Look at Housing Wire" that mortgage "news" site had extensive business and financial connections with firms and individuals at the frontlines of dubious mortgage industry practices and has repeatedly gone to bat for its biggest advertiser even in the face of criminal investigations.
Whalen joined Carrington, which has a mortgage servicing arm (note that Whalen was not in that operation). And he also writes regularly for Breitbart, and his pieces over time have become screechier, ideology-dominated and at best thinly connected with facts.
However, Whalen's post at Housing Wire on the servicing industry represents a new low. It's rife with errors and misinformation. For instance, Whalen treats the servicers as if they are the same as the lenders. They aren't; they are agents for the lenders (who are typically securitized investors). Whalen falsely claims that the lenders have incentives to care about maximizing the value of the real estate asset (the mortgaged house, which often winds up being REO, or real estate owned). I challenge Whalen to point to the section of the pooling and servicing agreement that compensates servicers for doing a good job of maximizing the value of the house for investors, either during the foreclosure process or afterwards.
Whalen completely skips over how servicers cheat investors as well as homeowners. And note this isn't an ideological issue; uber-conservative mortgage investor Bill Frey of Greenwich Capital has worked hard, but will little success, to organize investors to combat servicer abuses. And from what I have seen in investor reports, servicers run ever scam in the book. One uncovered by Lisa Epstein: servicers will tell the trust (investors) that it has sold a property out of REO anywhere from 2 to as many as 8 months after court records say it has been sold. Why the delay? It allows servicers to collect servicing fees to which they are not entitled.
And servicers have engaged in much bigger abuses, such as modifying second liens (when they own them) ahead of first mortgages they service (and don't own), which serves to increase the cash flow to the second liens out of borrowers that look terminal.
Servicers have been trotting out the argument that they don't profit from pursuing foreclosures for decades. It just isn't true anymore. As an employee of Carrington, Chris should know this better than anyone.
The Federal government economically incents servicers to push borrowers into default, so the servicer can then offer a modification and get a direct payment from Treasury under Hamp.
This is a direct government subsidy to servicers, but servicers don't get it for performing mortgages. Ocwen was the industry leader in boosting their company share price through government susbsidized earnings. Everyone else has followed.
In addition, Carrington was the leader in manipulating the servicer advancing function so that they could get paid for defaults. Carrington reimburses itself for advances on defaulted loans from the cashflow of performing loans. When Carrington did it, investors were shocked. Now, I understand it is industry standard for non-bank servicers.
Stock prices on non-bank servicers have sky-rocketed over the past year because of the perceived profit in foreclosures (even after the impact of Lawksy's scrutiny on Ocwen, share prices of Ocwen, its affiliates, and similar companies are up dramatically).
The share prices of these companies aren't up because consumers or MBS investors are happy with them or think they are good at their jobs. They are up because stock investors think non-bank servicers are good at squeezing profits out of the distressed servicing business.
Even more bizarrely, Whalen's post tried to blame servicing reform (to the extent it has happened) on Georgetown Law School professor Adam Levitin, but made apparent that he either didn't read his (and Tara Twomey's) paper on mortgage servicing, or possibly worse, did and chose to misrepresent. Basic mistakes, like misspelling author names repeatedly and getting the publication date wrong, suggest the former rather than the latter.
Whalen is playing games here. First, he fails to acknowledge that the servicing market has changed a LOT over the past few years, primarily in response to regulation and litigation. In 2008-2010, when Tara and I were writing, there were around 1 million completed foreclosure sales occuring per year in a market with perhaps 50 million mortgages. There was also precious little "distressed servicing", which is mainly special servicing. Instead, there were large master servicing shops that had no ability or expertise in handling huge volumes of distressed loans. The idea that these shops were just stumbling into 1 million plus foreclosures per year despite these "golden rules" is preposterous. Whalen also fails to mention all of the illegal, fraudulent activitiy done by servicers that resulted in stuff like the National Mortgage Servicing Settlement, as milquetoast as the settlement was. To the extent that foreclosures have dropped, it isn't just out of the goodness of servicers' hearts.
In fairness, Housing Wire did post a critique of Whalen's post by Tom Cox, the one-time bank attorney in Maine who won a pivotal case against MERS which put it in the national spotlight. Cox wrote a more detailed treatment which he has given me permission to publish below. Again, it demonstrates how utterly dishonest and inaccurate Whalen's piece was. Notice, for instance, how often Whalen misrepresents the state of the law.
to the March 28, 2014 article of Christopher Whalen subtitled "Regulatory pressures amount to legalized extortion." My initial response was a broad overview what I saw as an unjustified attack by Mr. Whalen on present efforts to regulate the mortgage servicing industry. Here I would like to set out a point-by-point series of responses to a number, but by no means all, of the inaccurate statements in Mr. Whalen's article. In preparing this response, I have tried to inform myself more about Mr. Whalen's perspectives by reviewing some of his writings, including one that I have just read entitled "Dodd-Frank and the Great Debate: Regulation vs. Growth" published in February 2014. Interestingly, the title of that article displays Mr. Whalen's bias well—in his view regulation and growth are antagonistic and cannot co-exist.
In his "Regulation vs. Growth" article, Mr. Whalen states that "off-sheet finance was the chief cause of the 2007 subprime crisis." He may well be correct in that, but he never once mentions the collateral fallout—the enormous harm inflicted upon the homeowners caught up in that crisis, or the even more enormous harm to individuals and businesses across the country as a result the destruction of the US economy by the industry for whom Mr. Whalen advocates. He never once makes any reference in that article to the follow on abuse of American homeowners by a mortgage servicing industry, that developed after 2008, and that proved itself to be rotten to the core. Yet he states "it seems self-evident that increased levels of regulation and government intervention in the consumer credit markets are not likely to prove to be positive factors for the economy." He finds "no apparent purpose" to regulations arising out of the Dodd-Frank act. Interestingly, to those of us work with the individual human beings who have been harmed by Mr. Whalen's financial industry, the need for increased regulation of the financial industry is what is self-evident, and the purpose of the regulations that he criticizes is fully apparent.
Mr. Whalen concludes his "Regulation vs. Growth" article by stating that "[h]ouseholds can only reflate if consumers have access to credit." He concedes that 20 to 30 percent of residential mortgages are underwater. Analysis by Martin Andelman, whom Whalen lauds in his March 28, 2014 HW article, suggests that the percentage of underwater homes is far above 50% if you take into account that, for a family to be able to move, in addition to paying off its mortgage, they must pay a 6% real estate commission, pay moving expenses, and come up with a 20% downpayment for a new home. Add to this the millennial generation living with its parents, suffering under the weight of enormous student debt and not forming new households, and there is another huge drag on the economy. It is odd that Mr. Whalen cannot see that the present problem is not so much lack of access to credit for consumers, as it is their inability to deal with the credit that they already have. He never mentions the lack of jobs as a problem, except that at one point he seems to suggest that more consumer credit will lead to more jobs. How can an underwater homeowner, or a young college graduate with an unbearable load of student loan debt possibly benefit from increased access to credit? To Mr. Whalen, lack of unregulated access to credit is the root of our problems. The absurdity of that claim is what is self-evident.
Mr. Whalen's March 28, 2014 post on HW is focused primarily upon his complaints about regulation of the mortgage servicing industry, although he is also broad in his attacks upon regulation of the lending side of the finance industry. Not to be found in that article is any acknowledgement by Mr. Whalen of the past six years of abuses of the mortgage servicing industry. In a case of mine brought on behalf of a Maine homeowner, the Maine Supreme Court called some of those practices "fraudulent" and "ethically indefensible" and stated that they represent "a serious and alarming lack of respect for the nation's judiciaries." The National Mortgage Settlement with Bank of America, JPMorgan Chase, Wells Fargo Bank, GMAC Mortgage, and Mr. Whalen's former employer, Citi Group, while woefully inadequate, addressed some of these abuses. Mr. Whalen completely misses that point, complaining in his March 28, 2014 article that this settlement, along with the new CFPB regulations would make one "believe that the problems with consumers were the sole cause of the 2008 financial crisis. He fails to grasp that the National Mortgage Settlement and the new CFPB servicing rules were never intended to address the cause of 2008 financial crisis; instead they were implemented to address some of the fallout from that crisis—abusive mortgage servicing.
Mr. Whalen asserts that "anybody with even the slightest idea about the world of distressed serving knows that the law now requires that loan modification is the first order of business when a borrower gets in trouble." There is no such law—it is Mr. Whalen who hasn't "the slightest, idea about the world of distressed servicing." The CFPB regulations that went into effect on January 10, 2014 explicitly state that they do not require any servicer to offer a loan modification. All that they require is that when a loan owner for whom a servicer is acting, the servicer itself, has existing loan modification programs, that the borrower be informed of the availability of those programs.
Mr. Whalen then goes on to recite the "three golden rules when it comes to a non-performing loan: (1) try to keep the homeowner in the house, (2) protect the property, and (3) preserve cash flow by a modification when possible. Whalen fails to recognize that, while these incentives surely are those of the loan owners, logic does not dictate that these incentives apply to mortgage servicers. The servicers have no stake in whether any particular loan goes into default, whether the homeowners stay in the house, whether the property is protected or whether the loan is modified. These are not their loans and my practical experience for six years across hundreds, if not thousands, of cases is that servicers simply do not care about Mr. Whalen's "three golden rules." They routinely act contrary to Mr. Whalen's golden rules and routinely deny homeowners for loan modifications for which they qualify and instead push to foreclose.
Mr. Whalen comments about the problem of zombie mortgages. Yet again, it is Mr. Whalen who displays a fundamental failure to understand the law. He asserts that "when a lender makes a decision to abandon a home, they are supposed to release the lien and notify the debtor." There is no such law! That is the major source of the problem and that is why the CFPB is looking into this problem. In fact, in the absence of any such law, the loan owners abandoning these foreclosures affirmatively refuse to release their mortgages, thus leaving these properties in limbo—the lender drives the homeowner out by its foreclosure, then abandons the foreclosure, but refuses to release its mortgage while also refusing to take control of and maintain the property. Whalen pleads: "if the debtor has abandoned the property what is the lender or servicer supposed to do?" It is sad that Whalen cannot answer his own question. The lender should either complete its foreclosure and sell the property to get it back into the hands of an owner who will care for it, or it should discharge its mortgage and get out to the way of efforts to achieve a rehabilitation of the property.
The statements in Mr. Whalen's article that utterly destroy his credibility are his assertions that the new CFPB regulations "prohibit the lender/servicer from contacting the borrower in default for as much as a year," and that the borrower can "basically live in the house rent free for a year before the lender/servicer is allowed to contact them." Instead of prohibiting borrower contact, the CFPB 120 day post default standstill period is intended to force the lender to contact the borrowers. The CFPB rules mandate the sending by lenders and servicers of notices to borrowers during this standstill period warning of the coming foreclosure, notifying them of housing counseling options, and providing information about available modification programs. The CFPB rules specifically sets up a window of time for the servicers to follow the golden rules that Mr. Whalen lauds before they push to foreclosure.
From this misunderstanding of existing regulations, Whalen leaps to the conclusion that this is the reason that "large banks don't want to touch a new borrower with less than a mid-700 FICO score." Possibly there is a link between the CFPB ability to repay rules and acceptable FICO scores, but there is no observable link between the CFPB servicing rules, about which Whalen is complaining, and FICO scores. Mr. Whalen certainly fails to provide any such link.
Whalen concludes his article by the absurd assertion that CFPB director Richard Cordray is "not interested in fixing the mortgage market, but instead seem[s] only to be interested in extracting settlements and payments from banks and nonbanks alike." Mr. Whalen's credibility in making this statement is about equal to his credibility when he asserts that the CFPB regulations prohibit lender/servicer contact with borrowers. The CFPB went to extraordinary lengths in reaching out to the financial industry as it prepared its new mortgage servicing regulations. All that one has to do is review the 753 page "Final rule: official interpretations" document published by the CFPB relative to its new rules at 12 CFR 1024 to see the great lengths to which the Bureau went to consider and accommodate financial industry reaction to the new rules. Mr. Whalen's article demonstrates that he has not read either the new regulations themselves or this commentary. As he accuses Richard Cordray of having a political agenda, Mr. Whalen vividly demonstrates his own. He pleads in his February 2014 "Regulation vs. Growth" article for the financial industry to be less regulated and to be given "more freedom to experiment with new types of financial products." We had abundant such experimentation in the last decade and investors, homeowners and the country at large were the losers. It is clear from Mr. Whalen's article that is only concern is for the investors (and the investment banking industry from which he derives his livelihood), and that he has none for the homeowners.
Yves again. Whalen did attempt to defend himself in the comments section of Levitin's post, and its invective to content ratio works against him. It also elicited objections commentors who actually had worked in servicing and begged to differ.
But the evidence stands on its own. Whalen got so much so astonishingly wrong (and essential elements, not just mere misspellings, which yours truly is guilty of way too often) that he can't be taken seriously on this topic. But he seems to be willing to run on brand fumes and sell out what is left of his reputation to dubious causes.
This entry was posted in Banking industry, Legal, Real estate, Regulations and regulators on March 31, 2014 by Yves Smith.
You could have stopped right there. The Breitbart sites have zero credibility on anything.
Oh but the rest was so interesting Phil. Seriously though, breitbart.com?
I used to hold out the possibility that Whalen could be the exception that proved the rule. No longer.
Whalen's opinion apparently depends on who's paying for it. I almost fell out of my chair when I heard him praise Jamie Dimon. In a recent interview with Max Keiser Whalen called Dimon a "great operator". He had just finished discussing how the banks were using fraud as a business model, and then he seemed to say it was perfectly acceptable because the regulators were turning a blind eye to it.
If you haven't seen it, watch the clip. I was astounded. Watch about 20 minutes into the clip….
I know. That one really floored me too. He seemed to be also be easing the criticism about MBS securitization fraud with a diversion into the scandal about intrest rate swaps sold to municipalities, etc.
We can probably deconstruct you as a polemicist Yves. This still leaves decision on whether you are right. That bit is easier – you are. My partner and I have more or less given up on mainstream (presstitute) news. It's full of 'Whalens' promoting whoever employs them. Three Whalens apparently achieve balance.
The UK housing situation is very similar. There are obvious things like a shortage of homes, a depression, an army of unemployed-underemployed and yet we can't build homes, make them green and so on 'because of economics'. In scientific argument terms we have a 'decadent Lakatosian research programme' – a point made by a feminist writer in 67 pages of the Harvard Law Review in 1974 (Jeanne Schreiber? – memory not good). We need a new core programme, not promises to keep hanging on for the neo-classical cavalry.
You marshal these facts well. What alarms me is the ease with which the opposition silences them. It is false-consciousness or denial to raise them. Popper's old warnings on Marxism and Freud now hold for the neo-classical-liberals. You just shouldn't think this at all, you silly girl. Good grief! This patronising 'dark argument' is very difficult to deal with rationally. Would we wait for neo-classical establishment buffoonery to rebuild after a natural disaster? How does it get this hold on 'us' in this decidedly unnatural depression?
When you talk of Whalen destroying his own credibility you have the argument right. The problem as I see it is Machiavellian. The Whalens aren't arguing. They are 'charismatic', even if dull, obvious toadies. Their sway is power-religious under cover of objective-rational-legal rhetoric. We need a new core programme the public understands and helps develop. It takes courage to keep on in the absence of this. There are no deaf ears in our household to your analysis, even that at first-glance might look parochial-American. We have banks profiting on what appear to be repayments or assistance too.
"Keep the homeowner in the house" – my servicer must have missed the "Golden Rule" memo.
My loan was performing just fine – never a missed payment in close to two decades. That did not stop them from using a trumped up vacancy claim to steal my home.
Housing Wire and Breibart? How can anyone take this guy seriously.
I used to read Whalen periodically because I thought he was pretty smart on the subject of banking, but the past few years I've also gotten the impression he was a bit conflicted, so I stopped following him.
The impression you get is that he wants to be seen as against the corruption of our politicians and bankers that has surrounded the whole financial crisis (he buddies up with Max Keiser and Stacey Herbert for instance), but it seems like many of these guys' true goals is to become the very same banksters they claim to despise.
Just to state the obvious: Whalen says regulation stifles growth. Then he says credit to cities like Detroit should have been regulated but instead securities fraud was used to cover up the awful fundamentals by adding on an interest rate swap when what should have been done was downsizing the number of city workers, etc. Maybe the bankster industry is cannibalizing.
I discovered Whalen through this site and always liked reading his take on the banks. But he is a real right-winger and ideologically impaired. It's no surprise it's gotten the best of him.
Yves, I had "IRA" bookmarked for a couple of years but haven't bothered to visit the site in at least 2 years. It may interest you to learn that Carrington now has a Real Estate sales division operating in California, the are disposing of an REO for WFB in my area. I'll send you the listing, the terms are…unusual. It may hit your spam filter, look for "StoneForHomes".
The connections and affiliations between servicers and Rental securitizers seems to me to be particularly concerning. These rental firms seem to always tout their ability to buy homes at "below market" prices as part of their investment pitches. But if foreclosure and REO sales are being conducted properly one would hope that homes are not sold below market (at least the lender, insurer and investors would hope so).
If Ocwen and other servicers have economic incentives to feed supply to the rental firms it would seem to be a huge conflict of interest – not to mention pushing foreclosure instead of modification.
Whalen also is a regular contributor to Zerohedge.
I stopped reading Whalen about six months after his interview with Yves on his site (IIRC).
Prior to that I found some of his commentary interesting in regard to banking but he eventually just went off the deep end of politics/economics/banking/regulation, etc. He made it onto my "ignore at all cost" list.
I think many people share this descending-to-zero credibility vis-a-vis Whalen. I also used to read him back in the old days when he pointed out how everyone is insolvent but.. now that Yves et. al. mention it, it is true that he always had an issue with terms and names. I think he's justa guy who's brain is all over the place and now he's also biased, which is worse.
The Revolt Against the Masses: A book review by Chris Whalen. Summary: How Liberalism has Undermined the Middle Class is one of the most important books written about American politics in the past fifty years.


A Tilehurst woman had her late husband's wedding ring stolen from her home on Tuesday.
Between 10am and 2.45pm burglars broke into the woman's property in St Michael's Road through a back window.
Once inside they stole her late husband's wedding ring consisting of three bands, two outer bands of gold sandwiching a middle band of platinum.
An antique embroidered sampler dating from the 1800s measuring 18in by 30in in a dark wooden frame and an HP laptop were also stolen.
If you have any information, please contact PC Jack Waterfall from Reading local CID, on 101 or call Crimestoppers anonymously on 0800 555 111.


text:
Man's World
Man's World (album)
Clueless (film)
Man's World may refer to:
Man's World (album), 1996 album by Mountain
Man's World (magazine), Indian men's luxury lifestyle magazine
Mann's World, 2011 album by Mann
This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Man's_World
Man's World is a 1996 album by Mountain. It was their first album for over 10 years. It featured a cover of the James Brown song "It's a Man's Man's Man's World."
"In Your Face" 4:19
"Nobody Gonna Steal My Thunder" 3:50
"This Is a Man's World" 3:58
"So Fine" 3:03
"Hotel Happiness" 5:21
"I'm Sorry" 3:32
"I Look" (Power Mix) 3:37
"Is That Okay?" 3:48
"Crest of a Slump" 3:32
"You'll Never Be Alone" 2:11
"I Look" Bonus Track (Hit Mix) 3:38
Leslie West - Guitar, Vocals
Corky Laing - Drums, Vocals
Mark Clarke - Bass, Vocals
Eddie Black - Guitar, Vocals, Background Vocals
Paul Orofino - Engineer
Jim Lewis - Executive Producer
Stephen Jacaruso - Art Direction
Ioannis Jacaruso - Art Direction
Jean Paul - Mastering
This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Man's_World_(album)
Cher (/ˈʃɛər/; born Cherilyn Sarkisian on May 20, 1946) is an American singer and actress. Described as embodying female autonomy in a male-dominated industry, she is known for her distinctive contralto singing voice and for having worked in numerous areas of entertainment, as well as adopting a variety of styles and appearances during her five-decade-long career, which has led to her being nicknamed the Goddess of Pop.
Cher gained popularity in 1965 as one-half of the folk rock husband-wife duo Sonny & Cher after their song "I Got You Babe" reached number one on the American and British charts. She began her solo career simultaneously, releasing in 1966 her first million-seller song, "Bang Bang (My Baby Shot Me Down)". She became a television personality in the 1970s with her shows The Sonny & Cher Comedy Hour, watched by over 30 million viewers weekly during its three-year run, and Cher. She emerged as a fashion trendsetter by wearing elaborate outfits on her television shows. While working on television, she established herself as a solo artist with the U.S. Billboard Hot 100 chart-topping singles "Gypsys, Tramps & Thieves", "Half-Breed", and "Dark Lady". After her divorce from Sonny Bono in 1975, Cher launched a comeback in 1979 with the disco-oriented album Take Me Home and earned $300,000 a week for her 1980–82 residency show in Las Vegas.
This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Cher
Clueless is a 1995 American coming-of-age comedy film. It is loosely based on Jane Austen's 1815 novel Emma. It stars Alicia Silverstone (in the lead role), Stacey Dash, Paul Rudd, and Brittany Murphy. The film is set in Beverly Hills and was written and directed by Amy Heckerling and produced by Scott Rudin. It was released in the United States on July 21, 1995.
The film grossed $56 million in the United States and has developed a cult following.
The film spun off a television sitcom and a series of books.
Cherilyn "Cher" Horowitz is a good-natured but superficial girl who is attractive, popular, and extremely wealthy. A few months shy of her sixteenth birthday, she has risen to the top of the high school social scene. She lives in a Beverly Hills mansion with her father Mel, a ferocious $500-an-hour litigator; her mother died from a freak accident during a routine liposuction procedure when Cher was a baby. Cher's best friend is Dionne Davenport, who is also rich, pretty, and hip, and understands what it's like to be envied. Though Dionne has a long-term relationship with popular student Murray, Cher claims that it is a pointless endeavor.
This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Clueless_(film)
wn.com
abefortas.net
exerciseasateam.com
asmusicas.com
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asabranca.org
youareasgoodasyourbestdeal.com
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playsingvideo.com
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butwhenigethometoyouifindthethingsthatyoudo.com
itsbeenaharddays.com
S-s, Deuteronomium
S-s
Murder killing lusty willing
Stealing raping family breaking
Fist faces mashing nasty bashing
Lying faking violent taking
Sin - more than actions, more than thoughts
Sin - more than feelings, more than words
Sin is what I am - my nature
Still I stand before my God
Holy, righteous and just
Hope He sees me through the blood
For I am ashes and dust
I am a man, fallen and filthy
Completely spoiled, selfish and greedy
The Son of Man, innocent and holy
Shed His blood and paid the penalty
I am a part of holy priesthood
Completely forgiven by His Blood
I live no longer, Christ lives in me
In His name saint I can be
"Fruit provides important vitamins and minerals, and it also has fiber in it, which delays how quickly the food is going to be digested, so the glucose will enter your bloodstream more slowly." ... If you like to take your fruit in liquid form, stick with no-sugar-added 100% juice, and consider diluting it with water or seltzer, Khan adds....
But House Speaker Nancy Pelosi made it clear Friday that Democrats intend to move swiftly on President-elect Joe Biden's $1.9 trillion COVID aid and economic recovery package to speed up vaccinations and send Americans relief ... "The Senate can do its constitutional duty while continuing to conduct the business of the people," she said....
To these experts, and the activists who have been targeted by law enforcement officers in past years, it came as no surprise that police officers were part of the mob that stormed the US Capitol on 6 January ... "It's nothing new. We've seen it getting worse and worse ... It is about protecting those people and their jobs." ... "It's very scary to know they returned home and put their badge on."....
कोरोना से दुनियाभर में 20 लाख लोगों की मौत, वैक्सीन पर UN ने कहा- गरीब ...
Coronavirus Death in World. कोरोना वायरस के कारण दुनियाभर में मरने वालों की संख्या 20 लाख हो गई। जोन्स हॉपकिन्स विश्वविद्यालय द्वारा इकट्ठा किए गए मृत्यु संबंधी आंकड़े मक्का और वियना की आबादी के बराबर हैं। कोविड-19 से हुए मौत के ... ....
स्टैच्यू ऑफ यूनिटी देश के कई शहरों से सीधे जुड़ेगी, कल प्रधानमंत्री दिखाएंगे 8 ट्रेनों ...
Indian trains to world's tallest statue, अहमदाबाद। दुनिया की सबसे ऊंची प्रतिमा 'स्टैच्यू ऑफ यूनिटी' और उससे जुड़े अन्य पर्यटन स्थलों तक देशभर के सैलानियों को पहुंचाने के लिए अब रेल-सेवा शुरू होगी। इसके लिए यहां केवड़िया में रेलवे स्टेशन तैयार ... ....
श्वानों को लगाया एंटीरेबीज का टीका
पशुपालन विभाग (Animal HUsbandry) जिला पशुक्रूरता निवारण समिति (District Animal Prevention Committee) , एनिमल वेलफेयर बोर्ड ऑफ इंडिया (Animal Welfare board of india) और वल्र्ड संगठन (World) की ओर से चल रहे वल्र्ड पशु कल्याण पखवाड़े (World Animal Welfare Fortnight) के तहत शनिवार को आदर्श नगर स्थित पशु चिकित्सालय में ......
America: गुजरात के एक व्यक्ति ने बुजुर्गों से की 58 करोड़ रुपये की ठगी, अब ...
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Bigg Boss 14. Netizens Slam Rakhi Sawant and Rahul Vaidya. 'बिग बॉस 14' (Bigg Boss 14) के बीते एपिसोड में राखी सावंत और राहुल वैद्य, (Rakhi Sawant and Rahul Vaidya) सोनाली फोगाट (Sonali Phogat) को भड़काते नजर आए थे। जिसकी वजह से ये दोनों सितारे सोशल मीडिया पर ट्रोल हो रहे हैं।. By Shivani Duksh Published. January 16, 2021 5.20 PM IST ... देखें फैंस के कमेंट्स- ... It was a cheap move to do this with her ... ?? ... It is as simple as that ... ....
कोविड-19 के खिलाफ मुकाबले के लिए दुनिया मान रही भारत का लोहा: पीएम मोदी
खत्म हुआ इंतजार, शुरू हुआ टीकाकरण अभियान, PM मोदी बोले- टीका लगने के बाद भी सावधानी बरतें ... दिल्ली में 100 फीसदी उपस्थिति के साथ खुल सकेंगे दफ्तर, तत्काल प्रभाव से लागू किया गया आदेश ... Normally, it takes many years to make a vaccine but in such a short span of time, not one, but two 'Made in India' vaccines are ready. Meanwhile, the work on other vaccines is progressing at a fast pace....
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Tandav Web Series Twitter Review: लोगों को पसंद आया Saif Ali Khan का राजनेता अवतार, Sunil Grover के सामने सब फीके
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redpajama_set_name: RedPajamaCommonCrawl


Combining the goals of cognitive therapy and behavioral therapy, Cognitive Behavioral Therapy (CBT) is a goal oriented form of psychotherapy that assumes that maladaptive, or faulty, thinking patterns cause maladaptive behavior and "negative" emotions and patterns in ones life. Maladaptive behaviors are defined as behaviors that are counter-productive or interfere with everyday living. CBT treatment focuses on examining and changing an individual's cognitive patterns in order to change behavior and improve emotional states.
Cognitive Behavioral Therapy (CBT) can be used in many situations in which there is a pattern of maladaptive or unwanted behavior accompanied by distress and impairment.
Curious to learn how we can help with CBT?
Cognitive Behavioral Therapy (CBT) is a recommended treatment option for a number of disorders, including affective or mood disorders, anxiety, panic disorder, depression, social phobia, obsessive-compulsive disorder (OCD), eating disorders, substance abuse, agoraphobia, post traumatic stress disorder (PTSD), and attention-deficit/hyperactivity disorder (ADHD). CBT is also frequently used as a tool to deal with chronic pain for patients with a variety of pain disorders such as migraine and tension headaches, RSD, and other forms of chronic pain. It is also used in dealing with personality disorders, fear of public speaking, performance phobias, and a range of other problems in which the person is unable to effectively manage behavioral and affective reactions in a variety of situations.
Looking for Cognitive Behavioral Therapy in New York (NYC)? At our clinic, Cognitive Behavioral Therapy (CBT) is used in conjunction with psychopysiological monitoring and feedback in treatment of various disorders, maximizing the therapeutic effectiveness of each of the methodologies. Our focus is Cognitive Behavioral Therapy (CBT) but we are also very familiar with other modalities such as dynamically oriented psychotherapy, Dialectic Behavioral Therapy (DBT), and a host of other psychotherapeutic techniques.


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Heinz Altschäffel (* 12. Januar 1934 in Schweinfurt) ist ein deutscher Maler.

Werdegang
Altschäffel studierte von 1955 bis 1957 an der Kunstschule Würzburg, von 1958 bis 1959 an der Akademie der Bildenden Künste München sowie von 1959 bis 1964 bei Fritz Griebel und Johannes Hess an der Akademie der Bildenden Künste Nürnberg. Seit 1964 ist er als freiberuflicher Maler tätig.
Träger des Unterfränkischen Kulturpreises 2011.

Ausstellungen
 1989 Altschäffel: Bilder vom Menschen, Städtische Galerie Würzburg
 1990 Figur und Raum, Städtische Sammlungen Schweinfurt
 1998 Heinz Altschäffel, Norbert Kleinlein: Dialog Marburger Universitätsmuseum, Museum für Bildende Kunst (1999 auch: Städtische Sammlungen Schweinfurt)
 2004 BBK-Galerie im Kulturspeicher, Würzburg (mit Norbert Kleinlein)
 2008 Gruppe Schweinfurter Künstler: Malerei, Plastik, Grafik, Film, Halle Altes Rathaus, Museen und Galerien der Stadt Schweinfurt

Literatur
 Von Altschäffel bis ZEN 49 – 100 Werke von 100 Künstlern, Schweinfurter Museumsschriften, Nr. 60), Schweinfurt 1994, ISBN 3-927083-43-7.
 Heinz Altschäffel, Norbert Kleinlein: Dialog,  Marburger Universitätsmuseum, Museum für Bildende Kunst, 1998, ISBN 978-3-92543031-2.
  Heinz Altschäffel: Gruppe Schweinfurter Künstler: Ausstellung 2007: Malerei, Plastik, Grafik, Film, Museen und Galerien der Stadt Schweinfurt, 2007, ISBN  978-3-93604235-1.
 Allgemeines Künstlerlexikon. Band III, 1992

Weblinks

Maler (Deutschland)
Person (Schweinfurt)
Deutscher
Geboren 1934
Mann

redpajama_set_name: RedPajamaWikipedia


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View Issue Archives
Home Features Walls of Wanderlust
Walls of Wanderlust
By Margie Monin Dombrowski
The world of wallcoverings is opening up, one roll at a time. From wallpaper patterns that bring new life to classic decor to innovative materials that lend an Old World look, there are more design choices than ever to liven up your vertical dividers.
When setting the scene in any room, look to your walls. "Wallpaper is just one more layer we use to define architectural details," says Wendi Young of Newport Beach-based Wendi Young Design. "It adds a lot of texture and warmth that paint just cannot do."
Erica Bryen suggests starting with the wall behind your bed to avoid overpowering wallpaper. | Photo by Ryan Garvin Photography
Wallcoverings can add a "wow" factor and play up the design theme of any space. "It can be the finishing touch on a space and take it to the next level," says Quin Palmer Brotherton, senior designer at Bliss Home and Design in Corona del Mar. "Wallpapers have come a long way. We're seeing lots of different styles and textures, and people are realizing there are so many better options."
Following the trends from Newport and afar, one of the best uses of wallcoverings is to transform your interior spaces so they resemble faraway destinations. For instance, if a room's design was inspired by a recent trip or favorite escape, decorate the walls to recreate the locale at home.
Tropical Flavor
Natural or artificial, traditional or contemporary, grasscloth wallpaper now comes in a variety of textures and styles to blend with almost any setting. Its versatility allows it to work with any theme, but the wallcovering is particularly popular among designers and homeowners looking to add an island vibe to their space.
It's a natural fit for a room that's inspired by the warmth and allure of the tropics. Especially in Newport—where the coastal aesthetic has been favored for many years—creating a paradisiacal look is easy with the fibrous appearance of this material.
"Textured grasscloth is always going to be popular in Newport Beach because of the coastal vibe here," Brotherton explains. While many homes feature wood paneling and wainscoting, "grasscloth wallpaper is always a nice accent."
As for the color, neutral and natural hues, from beige and brown to blue and sea-foam green, are traditional beachy options, while a more modern approach could involve bolder hues and graphic designs. Newer grasscloth wallpapers include those that are painted or dyed in dark or vivid colors or patterns, some of which may have metal accents incorporated into the design. To add your own spin, Erica Bryen, owner of Newport Beach-based Erica Bryen Design, suggests putting a pattern on the ceiling. "If you want to do something wild on a small scale, like a powder bath, that would be a great place to do a fun pattern."
Regardless of the style you're aiming for, when choosing a grasscloth as your wallcovering, keep in mind that the seams will be noticeable. "Grasscloth is a natural product … It will not look perfect, but that's the beauty of it," Bryen says. "When you apply it and you come to the next roll, it can easily be a different color. When the seams touch, you will definitely see a seam. When you use a manmade product, you're going to see a lot less seams."
Creating a Caribbean theme, according to Young, also involves furniture selection. For an authentic and sophisticated touch, she recommends British Colonial furnishings. "[Opt for] the kind that you might find in luxury homes or hotels on the islands of St. Barts or Nevis: dark wood turned-leg furniture, Chippendale furnishings, decorative objects or patterns with palm fronds, or large palm fronds set in a vase."
Wendi Young uses wallpaper to add texture and enhance architectural details. | Photo by Tim Street-Porter
Warm and inviting, raw brick walls can transform a local home into a space that feels more like a Brooklyn or Soho loft in New York City. As the vintage look continues to make its way into homes, natural brick often appeals to homeowners with a unique design sense and taste for nostalgia.
However, adding brick into your home doesn't need to be a difficult or time-consuming task. Today you can create your own exposed-brick-wall effect using a wallpaper, faux brick created from stucco or drywall mud, or sheets of brick veneer that can be painted in the color of your choice.
Approach the design with care, Young advises. "If you were to use a faux brick wallcovering, depending on what you put on the wall, it could easily look cliche. It needs to be accessorized with urban loft kinds of accessories—objects with a metal finish or industrial shape or style. I'd also use industrial-style light fixtures or lamps … and maybe a textured or a shag rug."
To make your city loft feel more at home in Newport, fill it with decor details that strike the right balance between cozy and industrial. Because brick has a tough appearance, juxtaposing it with other textures will make it more interesting. "You want it to be a mixture of surfaces," Brotherton says. "Balance it with a clean neutral palette or soften it up with lighting, rugs, drapes and upholstery. Add in other elements for contrast, such as iron accents, nightstands or side tables. Any iron elements will play into that style."
Other timeworn pieces and textures will work well in the space and enhance the urban aesthetic. "Bring in an old worn Ralph Lauren-looking leather sofa, a metal or zinc cocktail table, zinc or distressed metals, and a big vintage Persian rug to create that worn, lofty feel that's popular right now," Bryen says.
The New Rustic
The organic appeal and rugged texture of wood walls adds warmth and character to any space, whether you're going for a modern cabin-in-the-woods or beach cottage look. Used as a feature wall or to hide imperfections, wood paneling is an on-trend idea for dressing up your walls with a soft contemporary feel.
"Wood paneling is a way to introduce interesting architecture to the interior of your home," explains Young, who works on the architectural detailing of many Newport custom homes. The style of paneling could vary from tongue-and-groove to raised, as a whole wall or a partial wall feature. "In almost every style of home, even contemporary, we use wood paneling. Wood paneling works in any style of home."
Veneer paneling for walls offers a sleek and rich look for contemporary homes. In a recent Crystal Cove project, Young's design team used it throughout the home. "It doesn't look too heavy or ornate," she says, adding that it coordinated perfectly with a custom fireplace made of a basalt stone that resembles concrete and wood floors. In the wood veneer-paneled library, a contemporary wood desk with bronze legs, coupled with a classic Eames chair, makes an exciting contrast. "Sometimes the wood is beautiful enough it doesn't require decoration," says Young, who recommends adding an oversized abstract painting or something sculptural if you want to create a focal point.
Reclaimed wood accent walls are appearing in Newport homes as features in bedrooms or bathrooms, as well as reclaimed wood furnishings and ceiling details, Brotherton adds. "Some clients are more classic and coastal, and others are more edgy and want things that have more pop. A lot of clients gravitate to rustic elements that can add that texture and interest."
Because reclaimed wood brings so much visual texture to a room, the key is to balance it with smooth textures and clean lines in your furnishings, fabrics and accessories. A neutral palette can also help tone things down to make the feature wall the focus of the room. "It's a matter of picking and choosing what your focal points are in the space. You can't have everything be the focus, so you have to mix in neutral pieces [to complement] the feature wall," Brotherton advises.
Wallpapers with geometric patterns—trellis and latticework in particular—are a trend inspired by the charming style of Southern homes. Some patterns are more botanical, while others may be a modern twist on a classic design, and they can feel right at home in a traditional, transitional or even a contemporary setting.
From pagodas and bamboo to hexagons, a trellis pattern can instantly make you feel like you're in a lush garden. For a floral-inspired theme, select hues from nature, such as green or yellow, and contrasting colors and accents, such as white and gold.
"Mix in neutral colors by pulling colors from the wallpaper design out into the rest of the space, whether it's decorative pillows or details on upholstery or accessories," says Brotherton, whose go-to decor would include gold metallic accents, ceramic lamps, a simple jute or sisal rug, a gold metal antique side table, "almost white" upholstery and white lacquered furniture. "The style is very crisp and clean with high-contrast colors. Everything is really fresh and light with pops of color."
Be mindful of the scale of the pattern and how it would make a room feel. The right oversized scale can be fun and inviting; an improperly scaled pattern can be off-putting. "A small pattern in a large room will feel disproportionate and a little cold, but a large scale pattern isn't always inappropriate for a small room," Young says. "Rules are meant to be broken."
When your walls are covered in a lattice-style wallpaper, your other wall decor needs to stand out. Some quintessential Southern accessories, Young shares, can include wall-hung potted plants, a series of mirrors, or framed pastoral or botanical prints that will fit in with the romantic garden theme.
Whichever wallpaper pattern you choose, "make sure it's something you absolutely love because you're going to see it every day," Bryen says, explaining that if you're hesitant because you think a wallpaper pattern might be overpowering, try it on just one wall. "Maybe do the wall behind your bed—you can still create a great look. You don't have to overdo it."
Bliss Home and Design
Erica Bryen
Erica Bryen Design
faux brick
Quin Palmer Brotherton
veneer basalt stone
Wendi Young
Wendi Young Design
wood paneling
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Sanderson Farms golf event is big for Mississippi
Players, caddies, Golf Channel staff, vendors and spectators will generate an economic impact of over $26 million to our state during the tournament.
Sanderson Farms golf event is big for Mississippi Players, caddies, Golf Channel staff, vendors and spectators will generate an economic impact of over $26 million to our state during the tournament. Check out this story on clarionledger.com: https://www.clarionledger.com/story/opinion/columnists/2018/08/23/sanderson-farms-golf-event-big-mississippi/1076066002/
Steve Jent, Guest Columnist Published 2:17 p.m. CT Aug. 23, 2018
After changing sponsors and venues, the Sanderson Farms Championship seems to be on solid ground and will benefit Mississippi in numerous ways. Billy Watkins/The Clarion-Ledger
Steve Jent(Photo: Special to the Clarion Ledger)
As I sit here just over a month and a half away from the 51st edition of the Sanderson Farms Championship, Mississippi's only major-league professional sports event run by Century Club Charities, several numbers run through my mind: 132; 4.4 million; 1,000; 400; 26 million; 1.2 million; 175,000. Each number has a special significance for 2018. Please allow me to explain.
During the week of Oct. 22 to Oct. 28, 132 of the best professional golfers in the world will arrive in central Mississippi to compete for a $4.4 million purse — the largest purse on the PGA TOUR among the additional events (events played the same week as a major championship or a World Golf Championship tournament). These golfers will bring with them 132 professional caddies and countless support staff. The Sanderson Farms Championship is the second domestic tournament on the PGA TOUR's 2018-19 season, and precious FedExCup points are already on the line for these players looking to get a jump on the new season.
The Sanderson Farms Championship doesn't happen without the sacrifice and dedication of almost 1,000 volunteers. Individuals who serve as board members, hole marshals, Shotlink laser operators, caddie bib runners, stand bearers and more. Our volunteers use vacation days and time away from family and work to make sure the guests who visit our state get a huge dose of Mississippi hospitality.
It also takes an army of over 400 dedicated Century Club members and sponsors to make sure the funding is available for the tournament to operate as planned. It starts at the top with Joe F. Sanderson, Jr. and the folks at Sanderson Farms. It's no stretch when I say we have the best title sponsor on the PGA TOUR, and since 2013, Joe and his team have been dedicated to making sure our event is one of the best showcases for our state in the world. The tournament is broadcast to over 180 countries and 330 million households around the world! In addition to Sanderson Farms, 250 Century Club members and 150 sponsors purchase pro-am teams, entertain clients in hospitality and put their names on venues and events. We truly thankful for companies like International Paper, BankPlus, Allen Exploration, John Soules Foods, Trustmark and many, many more.
More: First round of the Sanderson Farms Championship
Those players, caddies, Golf Channel staff, vendors and spectators? They will generate an economic impact of over $26 million to our state during the tournament week. This comes in the form of hotel rooms, shopping, dining and rental cars. The tournament creates over 300 jobs that week alone!
With all that said, the two most important numbers in my mind are the last two: The 2017 Sanderson Farms Championship generated a charitable donation from Century Club Charities to Friends of Children's Hospital and Batson Children's Hospital of $1.2 million — a record for our tournament! Add in donations to other charitable organizations, and last year's tournament created a total charitable impact of almost $1.5 million for Mississippi charities.
But I've saved the most important number for last: 175,000 of Mississippi's children were treated at Children's of Mississippi this past year, and Batson is our state's only hospital dedicated solely to the treatment of sick and injured children. A new tower is currently being constructed that will allow for a much-needed expansion of the Neonatal Intensive Care Unit, including the addition of private rooms and overnight accommodations for parents, a pediatric imaging center designed especially for children and an expanded PICU.
Our goal for 2018 is to beat last year's charitable giving, and with the help of our sponsors, volunteers and spectators, we are dedicated to making it happen. If you can help in any of those areas, we'd love to get you involved. The children of Mississippi are counting on it!
See you in October!
Steve Jent is the executive director of Century Club Charities.
Read or Share this story: https://www.clarionledger.com/story/opinion/columnists/2018/08/23/sanderson-farms-golf-event-big-mississippi/1076066002/
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Column: Nice and friendly vs. arrogant


Fairly recently, I attended a comedy show at a local club. Once in a while it is worth going to see someone try to deliver the goods live on stage. The mid-card comedian bombed very badly. So badly that they were booed off the stage.
The material wasn't working and the audience responded swiftly. I was content to remain quiet and not say anything. The feeling of everyone else being uncomfortable was very easy to absorb. Anyone who goes to a show like this expects and hopes to hear things that will make them laugh. Overall this was still the end result of the night. The MC and headliner killed with great sets.
As difficult as it was to listen to this comic, I was rooting for them. I hoped somehow they would turn it around in their set and come back with everything blazing. It was just not going to happen. They were resoundingly chased from the stage which gave the MC a chance to work on some additional material he was developing. I respect anyone with the courage to take the stage in the name of their art. YouTube offers plenty of evidence where some of the best in the business have tanked onstage at one time. It is the same with any art form. Picasso was revered for all the tremendous output he generated through his life. Even he had his bad days.
Writing is no different. Ever since that evening I have found myself reflecting on how my own messages are delivered through words. There is additional scrutinizing through these pages, my own social media and freelance work. In a weird sense, seeing that comic go through a disastrous set made me appreciate the work I have generated the last few weeks. As signs of my favourite season continue to magnify, the busiest time of the year is rolling along.
There has been lots of questioning though too. Lots of it.
I like to think I have a reasonably interesting sense of humour. I'm told on a regular basis that people find me funny. It may be a select few, but it is a few. After seeing this particularly disastrous comedy performance, I have spent a lot of time questioning my own sense of humour. Many tweets on my Twitter Account were deleted shortly after posting them. Things that looked good in my brain, can look horrid on the screen. They just didn't work.
I respect anyone who is in the business/craft of artistic creation. There are certain things that are not my glass of wine. It is rather easy to accept that my writing may not be someone's glass of wine. Everyone who creates knows that they cannot please anyone. I've received my fair share of negative reviews and criticism for my writing. Fortunately, I have received significantly more positive feedback that has overshadowed any criticism. Even if that criticism was well-deserved and well-meant. Criticism is something to thrive on. You can learn so much from it and ultimately become better. If the bombing comedian really does have some comedic talent, then I hope he manages to recover strong, and sharpens his pen for improvements to his act. If the passion is there, keep it going.
I will keep going. If you are an artist doing whatever art you love, I hope you will keep going too.
Posted in Notes from the Frogpond.Tagged art form, artistic creation, artists, bad days, Comedy, comedy show, criticism, fall is the best time of year, freelance writing, headliner, humour, laughing, Picasso, season, Social Media, working, Writers life, writing business, writing reflections.


A device used to transmit and receive signals from a satellite transponder. For transmission, it modulates digital data signals from a multiplexing device into a carrier frequency for delivery to an upconverter, amplifier and antenna. For receiving, it converts the frequencies from the downconverter into digital pulses for the multiplexor.
Commercial telecom providers use stand-alone satellite modems; however, the satellite receivers and large dishes that were used before DSS became popular contained the demodulator part of the modem. See earth station.
Satluj Jal Vidyut Nigam Ltd.
Satluj Jal Vidyut Nigam, Ltd.


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Barcelonská kuchyně (katalánsky: Gastronomia del Barcelonès, španělsky: Gastronomía de Barcelona) je kuchyně typická pro katalánské hlavní město Barcelona a jeho okolí (provincie Barcelona). Barcelonská kuchyně vychází z tradiční katalánské kuchyně, od 20. století jsou ale v Barceloně běžné i restaurace podávající arabskou, čínskou nebo africkou kuchyni.

Příklady barcelonských pokrmů
Mezi pokrmy tradičně podávané v Barceloně patří:

 Pa amb tomàquet, chleba potřený rajčatovou omáčkou
 Arroz Parellada, rýžový pokrm podobný paelle
 Xuixo, smažené sladké pečivo, plněné krémem a pocukrované
 Aioli, česneková pasta
 Coca, koláčky s různými polevami, někdy podávané s opečenou zeleninou, někdy jako dezert
 Esqueixada, salát z tresky a zeleniny
 Panellet, malá mandlová sladkost

Reference

kuchyně
Regionální kuchyně Španělska
Evropská kuchyně
Kuchyně podle měst


SEOUL— President Trump again showed how quickly his tweets can outrun U.S. foreign policy planning, after he backed Saudi Arabia's king and crown prince over the arrests of dozens of officials before the State Department had completed its review of the moves.
The tweets were only the latest time Trump has set U.S. foreign policy in 140 characters. It effectively gave the crown prince the full weight of the U.S. backing despite serious questions remaining about Saudi Arabia's commitment to the rule of law and its ability to guarantee financial transactions.
Trump was responding to King Salman's order, announced on Nov. 4, to detain 11 princes, four ministers and dozens of former ministers and businessmen, including Prince Alwaleed bin Talal, one of the world's richest men, as part of an anticorruption drive led by the crown prince. The move reinforced speculation that he was clearing any remaining obstacles to his son Crown Prince Mohammed bin Salman's accession to the throne.
Trump's tweeting once again threatens to roil a complex international situation and one of the U.S.'s most critical relationships, and may embolden the crown prince at a time when some administration officials fear he is moving too far too fast.
Until Trump's tweet, the administration had largely withheld comment, with State Department spokespeople referring reporters to the Saudi government. With Tillerson and the rest of Trump's national security team with him on the Asia tour, there has been little time to hammer out a response.
Nick Wadhams is a Bloomberg News writer.


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Getcha Good
Jenn Grant plans splendid Honeymoon
jenngrant.comJust to be clear – Haligonian songstress Jenn Grant's upcoming Toronto show would have been pretty much a must-see regardless. Her latest album Honeymoon Punch is just about the record I've been hoping she'd make since she arrived with her debut Orchestra For The Moon in 2007. It sheds some of the overly tasteful production choices that held it and 2009's Echoes back and gets both breezy and scrappy, pushing the electric guitars up, and introducing synths and nimble rhythms to accompany Grant's splendid voice and accentuate its playful qualities.
In short, it's a treat and the opportunity to hear these songs live would have made for a great evening unto itself, but Grant's gone off and stacked the bill meaning that if you're anywhere but the Horseshoe Tavern from doors to last call on February 19, it can only be because you are crazy. Opening up the evening will be Calgary's Rae Spoon, whose 2010 hybrid electro-folk effort Love Is A Hunter surprised and impressed and then you'll have London's Olenka & The Autumn Lovers, whose second full-length And Now We Sing may have been an 11th hour add to my year-end list but has more than proven that it belongs in the weeks since. Folks, this will be a superb show and there's not much else to say besides that tickets are $15 in advance and you should get one.
The Chronicle Herald and Chart have interviews with Jenn Grant while Here chats with Rae Spoon.
MP3: Olenka & The Autumn Lovers – "Odessa"
MP3: Rae Spoon – "Death By Elektro"
Video: Jenn Grant – "Getcha Good"
Earlier that day – 5:30PM to be exact – you can see another Canadian buzz band in Braids as they play an in-store at Sonic Boom in advance of their show at the El Mocambo later that evening in support of Baths. They do pretty much nothing for me but their just-released debut Native Speaker is garnering all kinds of praise so I'm betting people will be interested in seeing them for free (well, for the price of a canned good donation). There's interviews with the band at Culture Bully and Midnight Poutine, and they just released a new video.
MP3: Braids – "Plath Heart"
Video: Braids – "Plath Heart"
It's a combination of words that I just can't reconcile – "The Lowest Of The Low" and "Massey Hall" – and yet those two very things will come together when the Low, whose 2007 dissolution clearly hasn't taken, play the fanciest stage the city has to offer. Tickets are $29.50 and $49.50 plus fees. The Low. Massey Hall. Crazy-pants.
MP3: The Lowest Of The Low – "Bleed A Little While Tonight"
MP3: The Lowest Of The Low – "Subversives"
Basia Bulat performs a Tiny Desk Concert for NPR.
QRO talks to Greg Alsop of Tokyo Police Club. They play Edgefest 2011 at Downsview Park on July 9.
The Sadies have released a new video from Darker Circles, made with a little help from The Hilarious House of Frightenstein.
Video: The Sadies – "Another Day Again"
Also with a new video are Born Ruffians, who've just announced a cross-Canada tour that at present doesn't include a Toronto date. But there'll be one. They live here for goodness' sake. They have to come back eventually.
Video: Born Ruffians – "The Ballad Of Moose Bruce"
Gentleman Reg checks in with NOW from the road and discusses how writing is going for his next album.
NPR, The AV Club, Exclaim, American Songwriter and The Vancouver Sun all have interviews with Dan Bejar of Destroyer about his new record Kaputt. He plays Lee's Palace on March 31.
The Line Of Best Fit has got another "Oh! Canada" compilation of Can-con goodies available to download. That's fourteen, if you're counting.
Tags: Basia Bulat, Born Ruffians, Braids, Destroyer, Gentleman Reg, Jenn Grant, Lowest Of The Low, Olenka & The Autumn Lovers, Rae Spoon, Sadies, Tokyo Police Club
One Response.
it's going to be Olenka and then Rae!
Wilco go off on their own, Jeff Tweedy goes it alone →
← CONTEST – The Moondoggies @ The Horseshoe – February 2, 2011


Joseph Reger is CTO at Fujitsu. He is well-known because his enlightening analyses give structure to the innovation processes of IT. The editor-in-chief of E-3, Peter Faerbinger, spoke to him.
Digital transformation processes are virtually indispensable. But are these processes of a technical, organizational or business nature and what is our focus on – is it IT or the individual, in the form of the CEO, CFO, CIO, CTO, etc.?
Joseph Reger: Digitalization can be useful in many ways, but the new dimension is only really opened up by digital transformation. This innovation doesn't really transform contents and data, but rather the processes themselves. And this means all processes: technical, organizational or business processes. Subsequently – and often during this transformation – all the new or innovative processes are consolidated. And a new value chain evolves, which was previously considered to be impossible or unthinkable. Focus is not placed on people and certainly not on IT, but on the value chain, and innovation is the added value.
The IT that people need to manage the digital transformation process appears in many ways to be disruptive. How do we handle disruptive innovations?
Reger: IT – well, at least good IT – has always been disruptive. The best thing that can happen is for this good IT to become part of the innovation process. We should aim to no longer be able to determine which percentage IT is to have of the so-called disruption and which percentage the business innovation is to have. We could then call this innovative reshaping "radical, digital transformation".
Fujitsu puts people at the center of IT innovations. Can people be the center of a digital transformation process, or do they remain one of the many "means" of implementing innovations?
Reger: What we at Fujitsu refer to as human centric innovation has two dimensions. On the one hand, we emphasize that the innovation activity and our innovation commitment is to benefit everyone – i.e. is aimed at people. And on the other hand, it emphasizes that this innovation should arise with the involvement of everyone if possible. We will then have more and better innovations. In our model the people are not instruments and do not implement anything, either. They are the objective and the means of the innovation. I think it's not possible to be more at the center of attention.
Dr. Reger, thank you for the interview.
Dr. Joseph Reger has been Chief Technology Officer (CTO) with various Fujitsu entities since 2002.


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Where the Spirits Ride the Wind: Trance Journeys and Other Ecstatic Experiences.
Felicitas documents the effects of body posture on trance experience. Intrigued by the physical changes that take place during trance states, she began to record the observations of students who entered a trance-like condition while concentrating on the sound of Goodman's rattle for 15 minutes. Whenever she led a workshop in trance journeys—whether in Berlin, Vienna, New Mexico or Ohio—her subjects' journeys always lasted for 15 minutes, but where they went and what they saw, heard and learned, maintains Goodman, depended on the particular body posture they had assumed.
"The book is clearly written for the general reader and includes many descriptions of trance experiences. It may serve as a good introduction to the nature and appeal of the shamanic revival in modern Western cultures." ―Theological Book Review
"… a case study in experiential anthropology that offers a unique mix of autobiography, mythology, experiential research, and archaeological data to support a challenging thesis―that certain body postures may help induce specific trance states." ―Shaman's Drum
"This is a spellbinding and exceptionally readable book by an extraordinary woman." ―Yoga Journal
"And suddenly the understanding of my own vision washed over me like a mighty wave… For life or for death, I was committed to that mighty realm of which I was shown a brief reminder, the world where all was forever motion and emergence, that realm where the spirits ride the wind." ―from the Prologue
Goodman reexamines our notions of the nature of reality by studying the ritual postures of native art assumed by her subjects during trance states. For readers desiring to discover this world of ancient myths, she has included a practical guide on how to achieve such ecstatic experiences. Amazon.com: Where the Spirits Ride the Wind: Trance Journeys and Other Ecstatic Experiences
Ecstasy, Ritual, and Alternate Reality: Religion in a Pluralistic World
Felicitas traces the origins of religion to the dawn of human history, when religious behavior was accompanied by gesture rather than full-fledged modern speech. She also does a systematic comparison that shows that religion vary according to whether people are hunter gatherers, horticulturalists, agriculturalists, nomadic pastoralists, or city dwellers. Felicitas offers a "unified field theory" of religion as human behavior. She examines ritual, the religious trance, alternate reality, ethics and moral code, and the named category designating religion.
Good explanation on the evolution of spiritual traditions in relation to the way we interact with our environment.
"An important book which deserves the careful attention of serious students of religion." ―Religious Studies Review. Amazon.com: Ecstasy, Ritual, and Alternate Reality: Religion in a Pluralistic World
You can support the Cuyamungue Institute with AmazonSmile.
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AmazonSmile is a website operated by Amazon that lets customers enjoy the same wide selection of products, low prices, and convenient shopping features as on Amazon.com. The difference is that when customers shop on AmazonSmile (smile.amazon.com), the AmazonSmile Foundation will donate 0.5% of the price of eligible purchases to the charitable organizations selected by customers.
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My Last Forty Days: A Visionary Journey among the Pueblo Spirits
From her own visionary experiences, noted anthropologist Felicitas Goodman has woven together an adventure story of a special kind—with a ghost as the protagonist. It is a tale of death and dying, yet full of light and joy, a heartwarming celebration of the immortality of the human soul. The story is told by the ghost herself, who is on a quest for a permanent home in the alternate reality of Pueblo-Indian mythology, whose inhabitants include animal spirits such as Old Man Coyote, Grandfather Bear, Sister Snake and Spider Woman.
An "ethnography of the imagination" and a heart-warming celebration of the immortality of the human soul, My Last Forty Days is an adventure story with a rather unusual protagonist—a ghost. Celebrated anthropologist Felicitas Goodman combines the fruit of many years of research among the Pueblos with her own visionary experiences to fashion a moving tale of death and dying that remains buoyant with life and hope. Amazon.com: My Last Forty Days: A Visionary Journey among the Pueblo Spirits
Ecstatic Body Postures: An Alternate Reality Workbook
Felicitas D. Goodman has studied and worked with religious trance and trance postures for over twenty years. Written by one of her students, a trained psychotherapist, this book summarizes the results of hundreds of workshops conducted by her and introduces the reader to the rich resources of information found in the alternative reality.
Specific body postures reappear in the art and artifacts of world cultures, even those widely separated by time and distance. What are these images of unusual postures telling us? Medicine people, shamans, priests, and priestesses of indigenous cultures have passed on this sacred body of knowledge for thousands of years. Amazon.com: Ecstatic Body Postures: An Alternate Reality Workbook
Ecstatic Trance: New Ritual Body Postures
Ecstatic Trance contains in-depth information on the work of Dr. Felicitas Goodaman. Here she and her student provides 60 ritual body postures and describes them in precise, accurate detail, with clear illustrations. These are age-old postures (one dates back 32,000 years and was inspired by a cave painting) along with newly-researched postures, published here for the first time. Learn these postures and access, energize, and integrate your creative potential. Practicing these postures also leads to new insights into healing, inner development, and rebirth. And combined with appropriate rhythmic stimulation–music and dance, for example–the postures can engender a profound change in consciousness, leading the participant to experience altered states of reality including visions and ecstatic trance states. The postures themselves do not promote any one belief system or dogma but are elements in an overall shamanic worldview. Amazon.com: Ecstatic Trance: New Ritual Body Postures
Pueblo Spirits: in the Life of Felicitas D. Goodman
Written by Susan Josephson, daughter of Dr. Goodman, PUEBLO SPIRITS is a true story (in graphic novel form) about spirit encounters and Native American religion in the Southwest. It is based on the life of the internationally known anthropologist Dr. Felicitas D. Goodman. Dr. Goodman is famous for her research on altered states of consciousness, and her discoveries of body postures that help people achieve trance experiences of an alternate reality. PUEBLO SPIRITS tells the story of Dr. Goodman's quest for contact with ancient Pueblo Indian spirits in New Mexico and how that quest nearly cost her life. This version was authorized by Dr. Goodman before her death. More information
Amazon.com: Pueblo Spirits: in the life of Felicitas D. Goodman


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Three-Word Phrase Of Agreement Crossword Clue →
The Cape Town Agreement
The Cape Town on International Interests in Mobile Equipment Convention or Cape Town Treaty is an international contract designed to standardize transactions in movable property. The contract sets international standards for the registration of sales contracts (including dedicated registrars), warranty rights (pledges), leases and conditional sales agreements, as well as various remedies against payment defaults under financing agreements, including the withdrawal and impact of certain states` bankruptcy laws. Thirteen countries have ratified the agreement to date: Belgium, Congo, the Cook Islands, Denmark, France, Germany, Iceland, the Netherlands, Norway, St. Kitts and Nevis, Sao Tome and Principe, South Africa and Spain. Two of them, Cook Islands and Sao Tome and Principe, deposited their official ratification letters at the Torremolinos conference. The Cape Town agreement joins a handful of other international fisheries agreements that have gained ground in recent years. In 1977, delegates adopted the first international treaty on the safety of fishing vessels in Torremolinos, with the adoption of a follow-up protocol in 1993. This agreement has not entered into force. IMO Secretary-General Kitack Lim said that more than 40 years later, the world has returned to Torremolinos to work on the implementation of the agreement. Lim welcomed the "broader consensus of the 2019 conference on the urgency of the entry into force of the Cape Town Agreement" and stressed that it would be "a significant contribution to the long-term sustainability of the fishing industry". He called for the agreement to enter into force as soon as possible. The representatives returned to Torremolinos more than 40 years after the adoption of the first global treaty on the safety of fishing vessels in Torremolinos in 1977. This agreement has not entered into force, nor has a 1993 follow-up protocol.
The 2012 Cape Town Agreement addressed technical issues that prevented the treaty from entering into force. Lim called on countries to adopt the agreement to improve maritime safety and help prevent illegal fishing. Today, observers say that it is now the dynamic that wins behind the agreement. "When it comes to building ships, these are not very expensive or painful requirements. You really shouldn`t send a ship out to sea if it`s not stable. They should never go to sea without life-saving equipment, firefighter equipment, navigation equipment or a radio," Horn told SeafoodSource. "Most countries don`t need help with this part of the ship`s construction…


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The Tell: Why the Fed is still seeing $2.2 trillion in daily demand for its overnight repo facility
By January 13, 2023 17 views
The U.S. government needs to strike a debt-limit deal before surging demand for the Federal Reserve's popular overnight reverse repo facility will ease, BofA Global's rates team said Friday.
While the Fed already cut its balance sheet to about $8.5 trillion from a near $9 trillion peak to battle high inflation, its popular overnight reverse repo facility has continued to see over $2 trillion in daily demand as investors keep cash tucked away at banks in the wake of last year's bear market in stocks and bonds.
The Fed's repo program lets eligible firms, like banks and money-market mutual-funds, park large amounts of cash overnight, while lately earning 4.3%, up from 0.5% in March.
Use of the Fed's facility hit a record of about $2.5 trillion in late December (see chart), a time of year when liquidity in financial markets has been prone to run thin.
Fed's reverse repo facility continues to see $2 trillion in daily demand as financial conditions tighten.
New York Federal Reserve data
Now, the expectation is that it will take a breakthrough in Washington on government spending before the Treasury can resume selling Treasury bills to soak up demand from investors, and allow demand for the central bank's overnight reverse repo facility to decline.
Treasury Secretary Janet Yellen warned top U.S. lawmakers on Friday that the government is expected to hit its debt limited next week. The Treasury will need to start taking "extraordinary measures to prevent the United States from defaulting on its obligations," she wrote in a letter.
See: Yellen says U.S. will hit debt ceiling Thursday. Analysts warn of 'significant market pain' while Congress deals with limit.
BofA Global's Mark Cabana said in a Friday note that a common question his rates strategy team has been getting in 2023 has been how to make sense of the debt-limit fight as the Fed drains liquidity from the banking system as its balance sheet shrinks.
His team's "short answer" is that the Fed's shift to a smaller balance sheet since May has been mostly reflected in a lower Treasury cash balance at the Fed. But his team also thinks reliance on the reverse repo facility "should drop sharply," once the government agrees to a new borrowing limit, and a "wave" of Treasury bill supply follows. It currently has a $31.4 trillion borrowing limit.
The Fed's repo facility had nearly no customers for years until the pandemic hit. Demand began to pick up in April 2021, when short-term funding rates were next to nothing. Use has continued to rise even after the Fed in March began to dramatically raise rates and as assets roll off its balance sheet.
Higher Treasury yields have been a result of the Fed raising its policy interest rate sharply since last year to combat inflation. The 2-year Treasury rate BX:TMUBMUSD02Y was at 4.19% on Friday, according to FactSet. The 10-year Treasury yield BX:TMUBMUSD10Y was at 3.49%, after falling as low as 0.54% in 2020.
U.S. stocks were edging higher Friday, with the Dow Jones Industrial Average
up 0.1% at last check, the S&P 500 index
up 0.1% and the Nasdaq Composite Index
0.3% higher, putting all three on pace for a second straight week of gains.
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: The stock market will be watching these earnings numbers. Here's why it matters to your portfolio.