text:
by: Jeff Schmitt on January 13, 2021 | 0 Comments Comments 97,631 Views
Three years is a long time to wait. Over that time, Bain & Company has been busy. The firm invested heavily in its greatest strength: people. It doubled-down on its 24-carat training and mentoring programs. It continued to recruit and groom talented problem-solvers. Most of all, Bain maintained its culture, one that demands excellence, respects personal time, and fosters a fun-loving team spirit that's the envy of companies everywhere.
Bain & Company's efforts paid off big time in this year's Vault Consulting 50. The gold standard for ranking consulting firms, the 2021 edition features firm evaluations from over 16,000 verified North American consultants. Today (January 13th), Vault announced a changing of the guard as Bain earned the #1 spot after a three-year hiatus. The Boston Consulting Group snapped up the #2 spot for the third time in four years. By the same token, McKinsey & Co., plagued with a surfeit of bad press in recent years, dropped from 1st to 3rd after sitting atop the ranking since 2018
PRESTIGE, SATISFACTION, CULTURE, PAY
Until recent years, Bain and McKinsey played the equivalent to hot potato with the #1 spot in the Vault Consulting 50. Bain had ranked 1st in 2017, 2015, 2013, 2012, and 2011, with McKinsey knocking them out in 2016 and 2014. While the MBB – or should we say the BBM – has essentially squatted on the Top Three over the past decade, there was also several movements to note in the Vault Consulting 50 in 2021. Over the past two years, Booz Allen Hamilton – public sector royalty – has climbed from 21st to 4th. The Parthenon Group, a strategy arm of Ernst & Young, finally completed its long March into the Top 5. At the same time, both Oliver Wyman and Deloitte Consulting, which had been lodged in either the 4th and 5th spots for the past three years, tumbled out of the Top 5 altogether. On top of that, boutique wunderkind ClearView Healthcare Partners broke into the Top 10 at #7 – a far cry from its #24 ranking just two years ago.
You can think of the Vault Consulting 50 as a 'State of the Industry' – a once-a-year assessment of roughly 130 consulting firms. In this annual survey, which was pushed back from August to January, consultants score employers and competitors on a variety of measures using a 10-point scale (with a 10 being exceptional).The survey is issued by Vault Career Intelligence. An infobase company, Vault collects market intelligence to supply employer ratings, reviews, and employment opportunities in industries like consulting, banking, law, and technology.
In the Vault Consulting 50, respondents complete three surveys. In the first, survey-takers evaluate their current employer on the 1-10 scale in 22 Quality of Life and Employment Factors, including Compensation, Work-Life Balance, Business Outlook, Firm Leadership, Promotion Policies, and Training. In addition, the survey asks respondents (using the same scale) to evaluate the prestige of their competitors. Finally, survey respondents score direct competitors in 17 practice areas, such as Strategy, Data Analytics, Sustainability, Operations, Healthcare, and Financial Services.
Prestige accounts for 30% of a firm's weighted score. Overall Satisfaction and Firm Culture take up 15% each. Another 30% is divvied up evenly between responses to Compensation, Work-Life-Balance, and Level of Challenge. Two remaining measures, Business Outlook and Promotion Policies, take up 5% each.
Overall, the Vault Consulting 50 firms in 42 different, including a separate ranking of boutique consulting firms.
Click on the links below for in-depth analysis and ranking tables for each area of the Vault Consulting 50.
WHY BAIN & COMPANY RANKED #1 (Analysis Plus Historical Data)
WHY THE BOSTON CONSULTING GROUP RANKED #2 (Analysis Plus Historical Data)
WHY MCKINSEY RANKED #3 (Analysis Plus Historical Data)
VAULT CONSULTING 50 RANKING (Analysis Plus Table)
BOUTIQUE FIRM RANKING (Analysis Plus Ranking Table)
A LOOK AHEAD TO 2022
BAIN-BCG-McKINSEY COMPARISON
PRESTIGE RANKING
QUALITY OF LIFE AND EMPLOYMENT FACTORS RANKINGS (Pay, Benefits, Management, Outlook)
PRACTICE AREA RANKINGS (Strategy, Energy, etc.)
Tagged: A.T. Kearney, Bain & Company, Best Consulting Firms, Booz Allen Hamilton, Boston Consulting Group, Business School, Clearview Healthcare Partners, consulting, Deloitte Consulting, MBA, mbb, McKinsey, Oliver Wyman, Parthenon Group, PwC, Vault, Vault Consulting 50
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redpajama_set_name: RedPajamaCommonCrawl


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text:
Method for home monitoring of urinary amylase after pancreas transplantation
M. Prieto, W. Collins, M. H. Scott, R. A. Sells
Transplant Surgery
Urinary amylase activity (UAA) is used for diagnosis of rejection in bladder-drained pancreas grafts. Unfortunately, most rejection episodes occur after the patient has been discharged. In those cases, an early diagnosis is often difficult, and a method for home UAA monitoring is needed. We have developed a method that can be used for this purpose. The method, based on Kodak dry-film technology, is shown to have good response to the wide range of UAA seen in these patients compared with responses to standard laboratory kinetic methods. The analysis (performed by the patient) involves 1) collecting urine for 24 h in a 4-L container, 2) diluting the urine with tap water to a total urine of 4 L, and 3) placing a drop of this dilution onto a slide. The slide is read by a handheld spectrophotometer that displays the UAA in secreted units per hour. The reliability of this system has been tested for wide changes of urine pH, volume of the drop applied to the slide, and tap water from different sources. Temperature coefficients have been determined to correct changes in ambient temperatures. The final handheld prototype is being developed based on these preliminary studies. This device could be of benefit for the early diagnosis of rejection episodes in recipients of bladder-drained pancreas grafts after hospital discharge.
https://doi.org/10.2337/diab.38.1.s68
10.2337/diab.38.1.s68
Dive into the research topics of 'Method for home monitoring of urinary amylase after pancreas transplantation'. Together they form a unique fingerprint.
Pancreas Transplantation Medicine & Life Sciences 100%
Amylases Medicine & Life Sciences 82%
Urine Medicine & Life Sciences 52%
Pancreas Medicine & Life Sciences 31%
Early Diagnosis Medicine & Life Sciences 30%
Urinary Bladder Medicine & Life Sciences 29%
Temperature Medicine & Life Sciences 26%
Prieto, M., Collins, W., Scott, M. H., & Sells, R. A. (1989). Method for home monitoring of urinary amylase after pancreas transplantation. Diabetes, 38(SUPPL. 1), 68-70. https://doi.org/10.2337/diab.38.1.s68
Method for home monitoring of urinary amylase after pancreas transplantation. / Prieto, M.; Collins, W.; Scott, M. H. et al.
In: Diabetes, Vol. 38, No. SUPPL. 1, 1989, p. 68-70.
Prieto, M, Collins, W, Scott, MH & Sells, RA 1989, 'Method for home monitoring of urinary amylase after pancreas transplantation', Diabetes, vol. 38, no. SUPPL. 1, pp. 68-70. https://doi.org/10.2337/diab.38.1.s68
Prieto M, Collins W, Scott MH, Sells RA. Method for home monitoring of urinary amylase after pancreas transplantation. Diabetes. 1989;38(SUPPL. 1):68-70. doi: 10.2337/diab.38.1.s68
Prieto, M. ; Collins, W. ; Scott, M. H. et al. / Method for home monitoring of urinary amylase after pancreas transplantation. In: Diabetes. 1989 ; Vol. 38, No. SUPPL. 1. pp. 68-70.
@article{de73d55c6b594ae88832bd6c9df3f83c,
title = "Method for home monitoring of urinary amylase after pancreas transplantation",
abstract = "Urinary amylase activity (UAA) is used for diagnosis of rejection in bladder-drained pancreas grafts. Unfortunately, most rejection episodes occur after the patient has been discharged. In those cases, an early diagnosis is often difficult, and a method for home UAA monitoring is needed. We have developed a method that can be used for this purpose. The method, based on Kodak dry-film technology, is shown to have good response to the wide range of UAA seen in these patients compared with responses to standard laboratory kinetic methods. The analysis (performed by the patient) involves 1) collecting urine for 24 h in a 4-L container, 2) diluting the urine with tap water to a total urine of 4 L, and 3) placing a drop of this dilution onto a slide. The slide is read by a handheld spectrophotometer that displays the UAA in secreted units per hour. The reliability of this system has been tested for wide changes of urine pH, volume of the drop applied to the slide, and tap water from different sources. Temperature coefficients have been determined to correct changes in ambient temperatures. The final handheld prototype is being developed based on these preliminary studies. This device could be of benefit for the early diagnosis of rejection episodes in recipients of bladder-drained pancreas grafts after hospital discharge.",
author = "M. Prieto and W. Collins and Scott, {M. H.} and Sells, {R. A.}",
doi = "10.2337/diab.38.1.s68",
journal = "Diabetes",
publisher = "American Diabetes Association Inc.",
number = "SUPPL. 1",
T1 - Method for home monitoring of urinary amylase after pancreas transplantation
AU - Prieto, M.
AU - Collins, W.
AU - Scott, M. H.
AU - Sells, R. A.
N2 - Urinary amylase activity (UAA) is used for diagnosis of rejection in bladder-drained pancreas grafts. Unfortunately, most rejection episodes occur after the patient has been discharged. In those cases, an early diagnosis is often difficult, and a method for home UAA monitoring is needed. We have developed a method that can be used for this purpose. The method, based on Kodak dry-film technology, is shown to have good response to the wide range of UAA seen in these patients compared with responses to standard laboratory kinetic methods. The analysis (performed by the patient) involves 1) collecting urine for 24 h in a 4-L container, 2) diluting the urine with tap water to a total urine of 4 L, and 3) placing a drop of this dilution onto a slide. The slide is read by a handheld spectrophotometer that displays the UAA in secreted units per hour. The reliability of this system has been tested for wide changes of urine pH, volume of the drop applied to the slide, and tap water from different sources. Temperature coefficients have been determined to correct changes in ambient temperatures. The final handheld prototype is being developed based on these preliminary studies. This device could be of benefit for the early diagnosis of rejection episodes in recipients of bladder-drained pancreas grafts after hospital discharge.
AB - Urinary amylase activity (UAA) is used for diagnosis of rejection in bladder-drained pancreas grafts. Unfortunately, most rejection episodes occur after the patient has been discharged. In those cases, an early diagnosis is often difficult, and a method for home UAA monitoring is needed. We have developed a method that can be used for this purpose. The method, based on Kodak dry-film technology, is shown to have good response to the wide range of UAA seen in these patients compared with responses to standard laboratory kinetic methods. The analysis (performed by the patient) involves 1) collecting urine for 24 h in a 4-L container, 2) diluting the urine with tap water to a total urine of 4 L, and 3) placing a drop of this dilution onto a slide. The slide is read by a handheld spectrophotometer that displays the UAA in secreted units per hour. The reliability of this system has been tested for wide changes of urine pH, volume of the drop applied to the slide, and tap water from different sources. Temperature coefficients have been determined to correct changes in ambient temperatures. The final handheld prototype is being developed based on these preliminary studies. This device could be of benefit for the early diagnosis of rejection episodes in recipients of bladder-drained pancreas grafts after hospital discharge.
U2 - 10.2337/diab.38.1.s68
DO - 10.2337/diab.38.1.s68
JO - Diabetes
JF - Diabetes
IS - SUPPL. 1


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text:
Academic Program Review Changes
Changes Effective Sept. 2017
Under the leadership of former Vice Provost Liu and with the approval of the Program Review Oversight Committee, the Academic Program Review (APR) team within the Division of Academic Planning has implemented changes to improve the usefulness and effectiveness of the APR process (see overview). This initiative, conducted in partnership with the deans and department chairs, is intended to ensure timely communication, facilitate strategic planning, make information more accessible, and support collaboration between administrative and academic units.
A new step in the APR process is a mid-cycle check-in (a short form to be completed approximately five years after the issuance of the APR outcome letter) to document progress toward addressing issues identified during the most recent review as well as to inform administrative leaders regarding new issues and/or opportunities. This will demonstrate to the Accrediting Commission for Schools, Western Association of Schools and Colleges (WASC) that the campus has instituted a continual cycle of assessment and improvement for the university's degree programs.
Beginning in Fall 2017, the APR team will send an annual reminder (in September) to the administrative faculty and staff leadership for each academic unit. This e-mail message will include a customized APR schedule for the unit, a link to the Academic Planning dashboard in Cal Answers system, and a link to the Academic Repository (Box folder) containing the unit's APR and related documents. Notice of the mid-cycle check-in will be provided as well, one year in advance.
The website of the Division of Academic Planning hosts a public Summary Profile for each academic unit to help raise its visibility and to facilitate multi-unit initiatives. This one-page document provides basic facts and figures, lists other units with jointly appointed faculty as well as related research centers and institutes, and allows the unit to highlight notable achievements, activities, and new initiatives. The annual reminder will include a link to the unit's Profile, which can be updated by the unit leaders as needed.
All the materials and data mentioned above may be accessed directly from the Academic Units section on this website.
For questions about academic program reviews, please contact:
Anya Grant
Director, Academic Program Reviews
California Hall, Room 241
anyag@berkeley.edu


text:
Novel detection of local tooth damage in gears by the wavelet bicoherence
F. Combet, L. Gelman, G. LaPayne
A new technique, the instantaneous wavelet bicoherence (WB) is proposed and investigated. The use of the instantaneous and locally averaged WB from vibration measurements for local damage detection in gears is investigated for the first time; these bicoherences are better adapted than the classical Fourier bicoherence to the case of non-stationary signals. A new diagnostic feature based on the integrated modulus of the WB in a specific frequency range and a methodology for feature estimation are proposed. The WB techniques are applied to detection of a multiple like natural pitting on a back-to-back industrial spur gearbox system and natural pitting on a gear at test rig and show the possibility of early detection of local tooth faults. The detection effectiveness is evaluated by a local Fisher criterion estimated at each angular position of gear for the unpitted and pitted cases. The proposed WB-based diagnostic feature demonstrates robust experimental performance and superior detection capabilities (i.e., effective early damage detection differentially for teeth of the gear wheel) over the conventional detection methods based on the wavelet transform. The reason for this superior effectiveness is that the WB exploits the phase couplings of the wavelet transform at different frequencies, which contain useful additional information for detection of non-linear phenomena induced by local faults. The proposed approaches are compared with the two conventional approaches based on the wavelet transform.
Mechanical Systems and Signal Processing
https://doi.org/10.1016/j.ymssp.2011.07.002
10.1016/j.ymssp.2011.07.002Licence: Unspecified
Dive into the research topics of 'Novel detection of local tooth damage in gears by the wavelet bicoherence'. Together they form a unique fingerprint.
Gear teeth Engineering & Materials Science 100%
Gears Engineering & Materials Science 76%
Wavelet transforms Engineering & Materials Science 61%
Damage detection Engineering & Materials Science 49%
Pitting Engineering & Materials Science 48%
Vibration measurement Engineering & Materials Science 27%
Wheels Engineering & Materials Science 17%
Combet, F., Gelman, L., & LaPayne, G. (2012). Novel detection of local tooth damage in gears by the wavelet bicoherence. Mechanical Systems and Signal Processing, 26(1), 218-228. https://doi.org/10.1016/j.ymssp.2011.07.002
Combet, F. ; Gelman, L. ; LaPayne, G. / Novel detection of local tooth damage in gears by the wavelet bicoherence. In: Mechanical Systems and Signal Processing. 2012 ; Vol. 26, No. 1. pp. 218-228.
@article{b1533420e4dd42e59fd758264acb4492,
title = "Novel detection of local tooth damage in gears by the wavelet bicoherence",
abstract = "A new technique, the instantaneous wavelet bicoherence (WB) is proposed and investigated. The use of the instantaneous and locally averaged WB from vibration measurements for local damage detection in gears is investigated for the first time; these bicoherences are better adapted than the classical Fourier bicoherence to the case of non-stationary signals. A new diagnostic feature based on the integrated modulus of the WB in a specific frequency range and a methodology for feature estimation are proposed. The WB techniques are applied to detection of a multiple like natural pitting on a back-to-back industrial spur gearbox system and natural pitting on a gear at test rig and show the possibility of early detection of local tooth faults. The detection effectiveness is evaluated by a local Fisher criterion estimated at each angular position of gear for the unpitted and pitted cases. The proposed WB-based diagnostic feature demonstrates robust experimental performance and superior detection capabilities (i.e., effective early damage detection differentially for teeth of the gear wheel) over the conventional detection methods based on the wavelet transform. The reason for this superior effectiveness is that the WB exploits the phase couplings of the wavelet transform at different frequencies, which contain useful additional information for detection of non-linear phenomena induced by local faults. The proposed approaches are compared with the two conventional approaches based on the wavelet transform.",
keywords = "Early damage detection, Gears, Instantaneous and locally averaged wavelet bicoherences, Local tooth fault",
author = "F. Combet and L. Gelman and G. LaPayne",
doi = "10.1016/j.ymssp.2011.07.002",
journal = "Mechanical Systems and Signal Processing",
Combet, F, Gelman, L & LaPayne, G 2012, 'Novel detection of local tooth damage in gears by the wavelet bicoherence', Mechanical Systems and Signal Processing, vol. 26, no. 1, pp. 218-228. https://doi.org/10.1016/j.ymssp.2011.07.002
Novel detection of local tooth damage in gears by the wavelet bicoherence. / Combet, F.; Gelman, L.; LaPayne, G.
In: Mechanical Systems and Signal Processing, Vol. 26, No. 1, 01.01.2012, p. 218-228.
T1 - Novel detection of local tooth damage in gears by the wavelet bicoherence
AU - Combet, F.
AU - Gelman, L.
AU - LaPayne, G.
N2 - A new technique, the instantaneous wavelet bicoherence (WB) is proposed and investigated. The use of the instantaneous and locally averaged WB from vibration measurements for local damage detection in gears is investigated for the first time; these bicoherences are better adapted than the classical Fourier bicoherence to the case of non-stationary signals. A new diagnostic feature based on the integrated modulus of the WB in a specific frequency range and a methodology for feature estimation are proposed. The WB techniques are applied to detection of a multiple like natural pitting on a back-to-back industrial spur gearbox system and natural pitting on a gear at test rig and show the possibility of early detection of local tooth faults. The detection effectiveness is evaluated by a local Fisher criterion estimated at each angular position of gear for the unpitted and pitted cases. The proposed WB-based diagnostic feature demonstrates robust experimental performance and superior detection capabilities (i.e., effective early damage detection differentially for teeth of the gear wheel) over the conventional detection methods based on the wavelet transform. The reason for this superior effectiveness is that the WB exploits the phase couplings of the wavelet transform at different frequencies, which contain useful additional information for detection of non-linear phenomena induced by local faults. The proposed approaches are compared with the two conventional approaches based on the wavelet transform.
AB - A new technique, the instantaneous wavelet bicoherence (WB) is proposed and investigated. The use of the instantaneous and locally averaged WB from vibration measurements for local damage detection in gears is investigated for the first time; these bicoherences are better adapted than the classical Fourier bicoherence to the case of non-stationary signals. A new diagnostic feature based on the integrated modulus of the WB in a specific frequency range and a methodology for feature estimation are proposed. The WB techniques are applied to detection of a multiple like natural pitting on a back-to-back industrial spur gearbox system and natural pitting on a gear at test rig and show the possibility of early detection of local tooth faults. The detection effectiveness is evaluated by a local Fisher criterion estimated at each angular position of gear for the unpitted and pitted cases. The proposed WB-based diagnostic feature demonstrates robust experimental performance and superior detection capabilities (i.e., effective early damage detection differentially for teeth of the gear wheel) over the conventional detection methods based on the wavelet transform. The reason for this superior effectiveness is that the WB exploits the phase couplings of the wavelet transform at different frequencies, which contain useful additional information for detection of non-linear phenomena induced by local faults. The proposed approaches are compared with the two conventional approaches based on the wavelet transform.
KW - Early damage detection
KW - Gears
KW - Instantaneous and locally averaged wavelet bicoherences
KW - Local tooth fault
U2 - 10.1016/j.ymssp.2011.07.002
DO - 10.1016/j.ymssp.2011.07.002
JO - Mechanical Systems and Signal Processing
JF - Mechanical Systems and Signal Processing
Combet F, Gelman L, LaPayne G. Novel detection of local tooth damage in gears by the wavelet bicoherence. Mechanical Systems and Signal Processing. 2012 Jan 1;26(1):218-228. https://doi.org/10.1016/j.ymssp.2011.07.002


If you injure another person while driving under the influence, you may be charged with intoxication assault in addition to being charged with DWI. Intoxication assault is a crime that carries separate penalties. Intoxication assault in Texas, or DWI assault, can lead to a maximum of 10 years in prison and a fine of up to $10,000.
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text:
package cz.habarta.typescript.generator.ext;

import com.fasterxml.jackson.annotation.JsonSubTypes;
import com.fasterxml.jackson.annotation.JsonTypeInfo;
import com.fasterxml.jackson.annotation.JsonTypeName;
import cz.habarta.typescript.generator.Settings;
import cz.habarta.typescript.generator.emitter.EmitterExtension;
import cz.habarta.typescript.generator.emitter.EmitterExtensionFeatures;
import cz.habarta.typescript.generator.emitter.TsBeanModel;
import cz.habarta.typescript.generator.emitter.TsModel;

public class TypeGuardsForJackson2PolymorphismExtension extends EmitterExtension {

    @Override
    public EmitterExtensionFeatures getFeatures() {
        final EmitterExtensionFeatures features = new EmitterExtensionFeatures();
        features.generatesRuntimeCode = true;
        return features;
    }

    @Override
    public void emitElements(Writer writer, Settings settings, boolean exportKeyword, TsModel model) {
        for (TsBeanModel tsBean : model.getBeans()) {
            final Class<?> beanClass = tsBean.getOrigin();
            if (beanClass != null) {
                final JsonSubTypes jsonSubTypes = beanClass.getAnnotation(JsonSubTypes.class);
                final JsonTypeInfo jsonTypeInfo = beanClass.getAnnotation(JsonTypeInfo.class);
                if (jsonSubTypes != null && jsonTypeInfo != null && jsonTypeInfo.include() == JsonTypeInfo.As.PROPERTY) {
                    final String propertyName = jsonTypeInfo.property();
                    for (JsonSubTypes.Type subType : jsonSubTypes.value()) {
                        String propertyValue = null;
                        if (jsonTypeInfo.use() == JsonTypeInfo.Id.NAME) {
                            if (subType.name().equals("")) {
                                final JsonTypeName jsonTypeName = subType.value().getAnnotation(JsonTypeName.class);
                                if (jsonTypeName != null) {
                                    propertyValue = jsonTypeName.value();
                                }
                            } else {
                                propertyValue = subType.name();
                            }
                        }
                        if (propertyValue != null) {
                            final String baseTypeName = tsBean.getName().getSimpleName();
                            final String subTypeName = findTypeName(subType.value(), model);
                            if (baseTypeName != null && subTypeName != null) {
                                writer.writeIndentedLine("");
                                emitTypeGuard(writer, settings, exportKeyword, baseTypeName, subTypeName, propertyName, propertyValue);
                            }
                        }
                    }
                }
            }
        }
    }

    static String findTypeName(Class<?> beanClass, TsModel model) {
        for (TsBeanModel bean : model.getBeans()) {
            if (bean.getOrigin().equals(beanClass)) {
                return bean.getName().getSimpleName();
            }
        }
        return null;
    }

// Example:
//    function isCartesianPoint(point: Point): point is CartesianPoint {
//        return point.type === "cartesian";
//    }
    static void emitTypeGuard(Writer writer, Settings settings, boolean exportKeyword, String baseType, String subType, String propertyName, String propertyValue) {
        final String argument = Character.toLowerCase(baseType.charAt(0)) + baseType.substring(1);
        final String exportPrefix = exportKeyword ? "export " : "";
        writer.writeIndentedLine(String.format(exportPrefix + "function is%s(%s: %s): %s is %s {", subType, argument, baseType, argument, subType));
        writer.writeIndentedLine(String.format("%sreturn %s.%s === %s;", settings.indentString, argument, propertyName, settings.quotes + propertyValue + settings.quotes));
        writer.writeIndentedLine("}");
    }

}

redpajama_set_name: RedPajamaGithub


Closed-end lease based on new 2020 Soul (Model B2522 LX Auto. Trans.) subject to credit approval, dealer participation, and vehicle availability. Offer shown based on $1,999 due at lease signing including $229 first monthly payment, $1,120 capitalized cost reduction, $650 acquisition fee, plus tax, title, license and registration fees, dealer conveyance fee, processing fee or optional service fee and any emission testing charge. No security deposit required. Offer shown total lease payments are $10,014. Actual payments may vary. Purchase option at lease-end for offer shown of residual value of $11,991.00. Lessee is responsible for insurance, maintenance, repairs, $.20 per mile over 12,000 miles/year, excess wear, and a $400 termination fee*. Lease offer applies to 2020 Soul LX A/T (MSRP $19,985, includes freight, and excludes taxes, title, license, additional options and retailer charges). Actual prices set by dealer. Must take delivery from retail stock by 4/30/2019. Dealer contribution may vary and could affect actual lease payment. See dealer for warranty and lease details or go to kia.com.
$249 per month for 36 months, $1,999 due at lease signing (excluding tax, title, license & dealer fees) offer includes $500 Bonus Cash and must be applied to reduce the due at signing.
Closed-end lease based on new 2020 Soul (Model B2532 S) subject to credit approval, dealer participation, and vehicle availability. Offer shown based on $1,999 due at lease signing including $249 first monthly payment, $1,100 capitalized cost reduction, $650 acquisition fee, plus tax, title, license and registration fees, dealer conveyance fee, processing fee or optional service fee and any emission testing charge. No security deposit required. Offer shown total lease payments are $10,714. Actual payments may vary. Purchase option at lease-end for offer shown of residual value of $12,771.00. Lessee is responsible for insurance, maintenance, repairs, $.20 per mile over 12,000 miles/year, excess wear, and a $400 termination fee*. Lease offer applies to 2020 Soul S (MSRP $21,285, includes freight, and excludes taxes, title, license, additional options and retailer charges). Actual prices set by dealer. Must take delivery from retail stock by 4/30/2019. Dealer contribution may vary and could affect actual lease payment. See dealer for warranty and lease details or go to kia.com.
Closed-end lease based on new 2020 Soul (Model B2522 LX Auto. Trans.) subject to credit approval, dealer participation, and vehicle availability. Offer shown based on $1,999 due at lease signing including $249 first monthly payment, $1,100 capitalized cost reduction, $650 acquisition fee, plus tax, title, license and registration fees, dealer conveyance fee, processing fee or optional service fee and any emission testing charge. No security deposit required. Offer shown total lease payments are $7,726. Actual payments may vary. Purchase option at lease-end for offer shown of residual value of $13,789.65. Lessee is responsible for insurance, maintenance, repairs, $.20 per mile over 12,000 miles/year, excess wear, and a $400 termination fee*. Lease offer applies to 2020 Soul LX A/T (MSRP $19,985, includes freight, and excludes taxes, title, license, additional options and retailer charges). Actual prices set by dealer. Must take delivery from retail stock by 4/30/2019. Dealer contribution may vary and could affect actual lease payment. See dealer for warranty and lease details or go to kia.com.
$269 per month for 24 months, $1,999 due at lease signing (excluding tax, title, license & dealer fees) offer includes $500 Bonus Cash and must be applied to reduce the due at signing.
Closed-end lease based on new 2020 Soul (Model B2532 S) subject to credit approval, dealer participation, and vehicle availability. Offer shown based on $1,999 due at lease signing including $269 first monthly payment, $1,080 capitalized cost reduction, $650 acquisition fee, plus tax, title, license and registration fees, dealer conveyance fee, processing fee or optional service fee and any emission testing charge. No security deposit required. Offer shown total lease payments are $8,186. Actual payments may vary. Purchase option at lease-end for offer shown of residual value of $14,686.65. Lessee is responsible for insurance, maintenance, repairs, $.20 per mile over 12,000 miles/year, excess wear, and a $400 termination fee*. Lease offer applies to 2020 Soul S (MSRP $21,285, includes freight, and excludes taxes, title, license, additional options and retailer charges). Actual prices set by dealer. Must take delivery from retail stock by 4/30/2019. Dealer contribution may vary and could affect actual lease payment. See dealer for warranty and lease details or go to kia.com.


text:
Q: Issue with Login Struggling Newbie :(
Entity not fetching the User..
Login Controller
[HttpPost]
public ActionResult LoginForm(string user_NA, string user_pwd)
{
    User u = new User();
    u.LogIn(user_NA, user_pwd);
    return RedirectToAction("Index");
}

Login Model
public bool LogIn(string userID, string password)
{
    using (Entity.xcLEntities en = new xcLEntities())
    {
        try
        {
            var user = en.Users.SingleOrDefault(x => x.LoginID == userID && x.PasswordHash == this.SetPassword(password));
            if (user != null && password != null)
            {
                return true;
            }
            else
            {
                return false;
            }
        }
        catch (Exception e)
        {
            throw e;
        }

    }
}

Exception shoing
An exception of type 'System.NotSupportedException' occurred in AML.Web.dll but was not handled in user code

Additional information: LINQ to Entities does not recognize the method 'System.String SetPassword(System.String)' method, and this method cannot be translated into a store expression.

A: Regarding your exception, you could try getting the corresponding hash outside the SingleOrDefault method:
public bool LogIn(string userID, string password)
{
    using (Entity.AMLEntities en = new AMLEntities())
    {
        try
        {
            string hashed = this.SetPassword(password);
            var user = en.Users.SingleOrDefault(x => x.LoginID == userID && x.PasswordHash == hashed);
            if (user != null && password != null)
            {
                return true;
            }
            else
            {
                return false;
            }
        }
        catch (Exception e)
        {
            throw e;
        }

    }
}

EDIT: As suggested by Rezoan in the comments, more information can be found by reading Entity Framework can't run your C# code as part of its query.

A: You should store the result of the SetPassword methon in a local varoable and use the varoable in the lambda expression. The exception is clearly state that the setpassword method is not avaliable on the db side.

redpajama_set_name: RedPajamaStackExchange


Asperger's Syndrome has presented me with some unique challenges. For example, I struggle with spatial awareness, I can have trouble concentrating (my mind tends to wander a lot) and I have a propensity for getting locked into negative emotions. After almost thirty years I still play with pencils sometimes and, apparently when I'm deep in thought, I tend to squint a great deal. Still, none of these issues has had more impact on my life than my hypersensitivity to the sound of people's chewing. There is not a relationship I've had that hasn't been affected, some have been drastically altered by it in fact. It's not the kind of thing I'd normally advertise to the world, but I've decided to share this story for two reasons; Firstly, if there are others with Asperger's who might be dealing with this issue, I don't want you to feel alone like I did. Secondly, for friends and family of those living with this sensitivity I want to try and provide some perspective.
Whenever we sat down for a meal, wherever that meal might be, I made every effort not to sit next to my brother. If we went to a sporting event or the movies, I insisted that my dad sit between my brother and I. If we ate at the kitchen table I turned the TV on so I could try to focus on that instead. Going into restaurants I would purposely trail behind my brother to make sure I sat opposite him. None of this was particularly subtle and nobody could explain this behavior, least of all me. I remember one particularly stinging incident that happened in the car on the way back from the Jersey Shore. My CD player had its batteries die and I had no spares so I was stuck in the backseat while my brother chewed away on some bubblegum. I was so annoyed that I curled up in the corner, stuck my fingers in my ears and closed my eyes. I ended up falling asleep like that and when I awoke my brother was in tears. He couldn't understand why I was doing this to him, why I hated him. My father didn't have an explanation outside of this is just one of your brother's behaviors and he doesn't mean it. I pretended to keep sleeping so I didn't have to face that conversation, but I've surely never forgotten it. The relationship between my brother and I was greatly stained by this, amongst other things, and by the time we both reached high school we could hardly stand one another. It wasn't until I went to college and my brother the US Army that we would begin to repair our relationship. I've long wondered what that must've been like for him, to have his own brother refuse to sit next to him and try to leave the room anytime he wanted to eat. Unfortunately he wouldn't be the only one to experience this.
As the years progressed my hypersensitivity would spread to others, starting with my father. I noticed that he not only chewed somewhat louder than my brother but continued to move his lips for minutes after he'd finished eating. Now no matter where I ate, when I was with family there was nowhere to hide. My father caught on pretty quick to what I was doing and confronted me about it one afternoon on the back deck before a barbecue. He noticed I was trying to finagle it so I didn't have to sit next to him and he said to me, "You pulled this stuff with your brother and you will not pull it with me. Do you understand?" I begrudgingly sat down and minded my manners in front of the company. Particularly after my brother joined the army I can't tell you how many times I left my father sitting at the dinner table after five or ten minutes. He took the time to make me a meal every night, after working all day and I couldn't be bothered to give him more than a few minutes in return. I missed out on so much time with my father, time that I can never have back and it's one of the greatest regrets of my life.
These days my hypersensitivity is as strong as ever, in some ways it's even more pronounced in adulthood than it ever was during my childhood. I am particularly susceptible to people who chew gum, eat ice cubes or crunchy food like raw carrots and chips. I'm even finding that I get annoyed by people's chewing on the television and in movies (the character Toby Ziegler from "The West Wing" is a particular offender). I sometimes wonder if this is going to become more acute as I grow older, and how exactly I'm going to handle it. I have already gone to great pains to deal with this sensitivity in a more mature manner. Firstly, I make every effort to not let people know what is going on in an attempt to value their comfort over mine. I tend to try and engage people in conversation over a meal, much more so than I did as a kid (which I suppose is an unintended benefit). If I find myself starting to become annoyed I tend not to make eye contact, instead choosing to focus on something else. If all else fails I just sit there and take it. I concentrate on breathing, accepting the discomfort and knowing that it will eventually pass.
I may have improved my coping mechanisms, but the long-term consequences of living with this hypersensitivity have been significant. I choose to take the vast majority of meals by myself, both for my own comfort and to make sure I don't alienate those around me. This has had an isolating effect on me as I now rarely socialize outside of work. The guilt I've carried with me from childhood has also been tremendous. Part of this is because there wasn't as much information readily available regarding this sensitivity when I was a kid as there is now. The result was both myself and my family misinterpreted this behavior as merely acting out instead of the involuntary reflex it was. For more than a decade I just assumed I had acted like a monster as a kid and should be ashamed. This was one of the driving forces behind the drinking problem I developed in my twenties, not to mention the issues of self-loathing and doubt that still persist. It wasn't until I corresponded with somebody two years ago, whose own brother lived with Asperger's that I began to view my own behavior through a different lens. Regardless of whether or not my actions were involuntary, I will always have guilt over what I put my family through.
Part of the growing process is acknowledging that I live with emotional and behavioral triggers. Some of these are involuntary, and while I've worked hard to control my reactions it doesn't always take. I have to accept that this is part of who I am, and that process is both hard and ongoing. I've been afraid to open up about this for so long because I was afraid that people would regard me as a freak and reject me. I will likely never be free of these tics and triggers, and they will continue to cause issues but I will not give in to them or allow them to define me. I'm not a religious man by any stretch but there is a prayer I'm rather fond of, "God, grant me the serenity to accept the things I cannot change, courage to change the things I can, and wisdom to know the difference." Amen to that.


Blurring the lines between real and unreal.
The collection explores the phenomenon of shadow and reflection; the illusion of angles and layers through textural leather pieces and transparent silks. Surface textures take on the illusion of prints, which contradict their three-dimensional nature.
The theatrical element and interplay between angle and light challenges the perception of textures and shapes, exploring the ability to dress the body in hybrid forms, which both conceal and reveal the body.
The collection aims to challenge the way that people perceive the fashion garment and how it exists in relationship to image, body, and space.


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Perhaps the greatest individual phenomenon of 18th century Ireland was the rise of Speaker Conolly, an innkeeper's son from Donegal who the most powerful man of his generation. His magnificent Palladian residence at Castletown House, Celbridge, is one of the Irish nation's greatest treasures. The Speaker's eventual heir, "Squire Tom" Conolly was to the forefront of Irish politics in the lead up to the disastrous Rebellion of 1798 and married one of the beautiful Lennox sisters. In one particularly audacious adventure, another Tom Conolly attempted to run the Charlston Blockade in the American Civil War and was home in Donegal in time for an election. The house passed from the Conolly-Carew family in 1966 and is now open to the public.
William Conolly died "of the Apoplexy" (ie: a stroke) at his house on Dublin's Capel Street on 30th October 1729. Two days later, the Old Dublin Intelligence contained notice of his death. It spoke of a man whose credentials included being a Commissioner of the Irish Revenue, Speaker of the House of Commons, ten times a Lord Justice and "one of His Majesty's most honourable Privy Council of the Kingdom of Ireland". His body, it continued, was to be "interred with great Solemnity at Cel-bridge near Castle-Town on Tuesday next, to be attended by the House of Commons and their Speaker in fine Irish Linen Scarves and the Coaches and Servants of all the Nobility and Gentry in the City".
William "Speaker" Conolly was indeed a most remarkable man. He was born in 1662, the son of Patrick Conolly, a Protestant innkeeper from Ballyshannon, Co. Donegal. It may be assumed Patrick conformed to the Established Church sometime before William's birth for certainly the names of his brothers and cousins – Patrick, Hugh, Phelim and Thady – indicate a family whose origins were rooted in the Irish Catholic tradition. After the restoration of Charles II in 1661, a new wave of English and Scottish planters began arriving in the Colony of Ulster. In their pursuit of beverage, companionship and accommodation, they often lit upon places like Patrick Conolly's inn. By the time William came of age, his father had earned enough money to dispatch him to Dublin to study law. In 1685, the 23 year old qualified as an Attorney and became attached to the Court of Common Pleas. In 1692, he secured a position as Agent for Captain James Hamilton, one of Donegal's leading landowners. William spent the next twenty years practicing as an Attorney on the North West circuit of Ireland, garnering a reputation for shrewdness and ability, culminating with his appointment on May 2nd 1698 to the lucrative post of Collector and Receiver of Revenue for the plantation towns of Londonderry and Coleraine. William of Orange himself signed the appointment.
William's skill was in renting lands from his neighbours and then purchasing estates forfeited by supporters of James II after the 1690 Rebellion. In 1691, for instance, his position as agent to the "Mayor, Commonalty and Citizens of Londonderry" helped him lease the forfeited estate of the Earl of Antrim from the Commissioners of Revenue in Ireland. In 1703, he increased his landholdings by some 10,000 acres with the purchase of estates forfeited by such families as the Plunketts, Nugents and Itchinghams. The price paid was often less than £1 an acre and in some cases he paid only one third of the purchase money and the rest in debentures. He was also able to acquire estates held by the financially unstable descendents of those early Ulster settlers granted the lands of O'Neill and O'Donnell after 1608. For example, in 1697, he secured the 1000 acre estate of Limavady from Sir Thomas Phillips. He rapidly developed these estates, with the financial backing of Sir Alexander Cairns, a prominent London banker whom Swift regarded as "a shuffling scoundrel". In 1720 William purchased the Ballyshannon estate from Lord Folliott, gaining him several thousand acres of lush pastureland on the banks of Lough Erne. The salmon fishing rights alone, secured from his neighbour, Sir John Caldwell in 1728, were worth a small fortune. Even in the last year of his life, he was buying land – paying John White £11,883 for the manor town and lands of Leixlip, Newtown and Stacomney. These lands he then leased out to "suitable" Protestant purchasers.
His acceptance into the social hierarchy was much boosted by his marriage in 1694 to Katherine Conyngham, daughter of William III's General Sir Albert Conyngham and sister of Brigadier Henry Conyngham of Mount Charles, Co. Donegal, and later of Slane Castle, Co. Meath. As well as securing a dowry of £2300, the marriage allied William to some of the most influential Protestant families in the North – the Leslies, Montgomerys, Hamiltons, Gores, Knoxes and McClintocks.
In 1715, it emerged that James II's son, the Old Pretender James III, was returning to join his followers in Scotland. The anticipated insurrection was easily put down but it is important to note that William's peers regarded him with sufficient respect to appoint him Speaker of the Irish House of Commons that same year. Two years later he was named one of the three Lord Justices chosen to administer the Government of Ireland in the absence of the Lord Lieutenant. Of course there were those in the Irish "quality and old gentry" who greatly resented the promotion of such a low-born upstart, but William seems to have possessed a charm that won over most of his opponents. He remained Speaker until the final weeks of his life and was sworn in as Lord Justice on nine further occasions. His political career was characterized by his steadfast opposition to the appointment of British officials to posts in the Irish administration. He also surrounded himself with a new elite of Irish-born officials and clerics, including Henry Grattan's grandfather, which unnerved the British government in London.
When he died in 1729, Speaker Conolly was unquestionably the wealthiest man in Ireland. Swift was not far wrong when he estimated, during the Woods Halfpence controversy of 1724, that Conolly would require 240 horses to bring his half-year's rent from Dublin to Castletown and two or three great cellars in his house for storage. His life stands testament to the fact that even in the 18th century a man of relatively humble origins could, if he played by the rules, rise through the ranks to become the most influential man in his country. He became a legend in his own lifetime, an inspiration to young middle class Protestants throughout Ireland.
Speaker Conolly had no children but he proved to be a generous benefactor to both his own relations and those of his wife. For instance, he settled the estate of Newtown Limavady on the two sons of his brother-in-law Brigadier Conyngham, who was killed fighting in Spain, and left £5000 to his daughter. His widow, Katherine Conolly, was his principal benefactor, inheriting all his estates in Wales, Kildare, Meath, Westmeath and Roscommon, together with the Capel Street townhouse and the Castletown estate. As to his estates in Donegal, Dublin, Fermanagh, Wexford and Waterford, these were bequeathed to his nephew William Conolly. This young man would go on to inherit all Katherine Conolly's estates on her death in 1752.
Katherine Conolly survived her husband for 32 years, living between Castletown and Capel Street. She emerges from the past as a lady of kindness and fortitude. The Irish elite continued to value her influence and judgment in the appointment and promotion of new officials. She erected a Charity School in Celbridge, aided by the architect Thomas de Burgh (qv) and in March 1740 she commissioned the erection of the obelisk known today as "Conolly's Folly". Local farmers, who had suffered greatly when a brutal frost wiped out their crops earlier in the year, were employed in building the folly, thus generating a much-needed income. She was particularly fond of her nephew and future heir, William Conolly, and his wife, Lady Anne. Indeed she claimed to have "the same love and regard" for both William and Anne as if they were her own children.
William was the son of Speaker Conolly's only brother Patrick who was involved in the collection of rents on the Conolly estates before he removed to London in 1705. In 1720 Speaker Conolly secured young William a post in the Duke of Bolton's office during his Lord Lieutenancy. In 1727, William won the parliamentary seat for Ballyshannon which he retained until his death in 1754. Towards the end of 1733 William proposed to Lady Anne Wentworth, daughter of the Earl of Strafford. His wealth and "very good caricktor" appealed to the Wentworths in equal parts. And yet rare indeed was the occasion when an innkeeper's grandson could marry the daughter of an Earl without sending shockwaves through the community. William and Lady Anne arrived in Ireland in August 1733 and settled at Leixlip Castle where they lived before their eventual move to Castletown. They immediately threw themselves into the party spirit of the "Dublin gaities", the annual season when the aristocracy and gentry of Ireland gathered in the capital for gala balls, court presentations and such like. A daughter, Katherine, was born on January 31st 1734. At the age of twenty she would marry Sir Ralph Gore, settling at Barrowmount House in Goresbridge, County Kilkenny, where, in 1756, Sir Ralph built the beautiful nine-arched bridge that gave the town its name. Later that year, Lord Strafford, eager to have his daughter back in England, secured William the seat of Aldborough in the English Parliament. On December 5th 1734 a son was born. He was named Thomas after Lord Strafford's great-uncle, the notorious Earl of Strafford who ruled Ireland on behalf of Charles I and was later executed. Announcing his birth William wrote: "As it came sometime before we expected it, it cannot be a chopping son but it eats and cryes enough to make us believe that it will continue with us".
In late 1744, the Conollys moved to England for close on four years, living between London and Staffordshire, with occasional return visits to London. Old Mrs. Conolly was approaching the end of her remarkable life. She wrote: "I have enjoyed a long share of health and happiness for many years but like all things in this world it has its changes, some black, some white; neither beauty, birth nor grandeur can give us any constancy in this life". Her peaceful death in 1752 at the age of 90 was greeted with universal loss although Mrs Delaney felt she was somewhat neglectful to "her sister, servant and [the] poor", an oversight which "Mr. Conolly, a very generous, good man" later amended.
After Mrs Conolly's death, William and Lady Anne and their seven children moved into Castletown. Two years later, William died. As his only son Thomas was under age, Lady Anne removed the family to Strafford and Castletown was temporarily abandoned although the executors – including Nathaniel Clements – were careful to keep the property in good condition. On 30th December 1758, Tom Conolly married Lady Louisa Lennox, third daughter of the 2nd Duke of Richmond. The story of the Lennox sisters has recently been made popular in Stella Tillyard's biography "Aristocrats". Suffice it to say that Louisa's sister Emily was married to the Earl of Kildare (later Duke of Leinster, qv) and living at Carton. The eldest sister Caroline eloped and married the wily politician Lord Holland and the youngest Sarah, considered one of the greatest beauties of her age, married the Suffolk racing magnate, Sir Charles Bunbury. In October 1759, the Conollys finally bade London farewell and settled in Castletown. Lady Louisa swiftly had the house extended, renovated and redecorated, aided by the English architect Sir William Chambers and his assistant Simon Vierpyl. When Arthur Young visited in June 1776, he maintained it was "the finest house in Ireland and not exceeded by many in England".
Tom Conolly does not come through as the best of men. Lady Louisa's sisters regarded him as "a silly tiresome boy", a toad-eater, an attention-seeking hypochondriac. They did not doubt his generosity or his love for Louisa but nonetheless Caroline wondered how miserable she would have been "to have had such a husband". Tom was a liberal Whig, representing Malmesbury (1759–68) and Chichester (1768–84) in the English Parliament and Londonderry in the Irish. He initially made no remarkable contribution to either but his wealth was such that, in Ireland, he was sworn in as a Privy Councillor and appointed Lord of the Treasury, Commissioner of Trade and Lieutenant of County Londonderry. His political beliefs were somewhat unique – he preferred the word "independent" – being full of noble ideas and sweeping opinions on reform. Sir Jonah Barrington regarded him as "friendly, sincere, honourable and munificent in disposition; but whimsical, wrongheaded and positive, his ideas of politics were limited and confused … he was bad as a statesman, worse as an orator". His ill-advised support of the Union between Britain and Ireland and his opposition to the Volunteer gatherings in the 1780s lost him some of his closest friends in the Patriot party. That said, he was adamant in his opposition to the bribery and corruption so rife during the Viceroyalty of the decadent Duke of Rutland (1784–87). His neighbour Dr. Barnard of St. Wolstan's Abbey in Celbridge claimed "there was none more often on his legs" [in the Irish Parliament] when it came to denouncing Rutland than "our friend Conolly". When George III lost his mind in 1788, Tom joined forces with Henry Grattan in opposing a government led Tory regime and invited Prince George to become the unrestricted Regent of Ireland. After the king recovered his health, the Irish Tories rounded on Grattan, Conolly and their supporters, forcing them out of public office and so igniting the first sparks of revolt that would flare up in 1798. This has been regarded as proof that, like the Norman settlers of Ireland, "the generosity, levity, impetuosity and recklessness" of Celtic Ireland had now made the descendents of the Cromwellian and Williamite settlers "more Irish than the Irish themselves".
Tom spent the duration of the 1790s warning the government in England that the repressive policies of the Tory administration in Dublin would lead to disaster. The appointment of Lord Fitzwilliam as Viceroy in 1795 bode well for the Irish Whigs and supporters of Catholic emancipation but his dismissal three months later was crippling. Every week, more enraged Irish people stole out from their homesteads and joined the United Irishmen. Tom declared himself opposed to the government but simultaneously assured the Viceroy of his absolute resolve to "uphold the monarchy with life and fortune". Tom's position was tricky. His own niece was married to Lord Castlereagh, one of the principal players in the Dublin government. His wife's nephew Lord Edward Fitzgerald was the most public leader of the United Irishmen. His sister-in-law, Lady Sarah Napier, was also a committed opponent of the government.
When the rebellion broke out in May 1798, Castletown was inevitably dragged into the forefront. As fires and musket shot blazed across north Kildare, so a company of Derry Militia arrived at Castletown to protect the house and its occupants, including the Napiers. Later that month, Lord Edward was apprehended and fatally shot. Tom's continued loyalty to the government blinded him to the growing rift between himself and his Fitzgerald / Lennox relations. In June 1798 the new Viceroy, Lord Cornwallis, actually secured Tom's support as one of his principal agents in Ireland, communicating any information he thought might assist the government in suppressing the Rebellion. Two years later, the Act of Union put an end to Tom's political career and he retired to Castletown where he was plagued by a persistent cough and an onerous depression. As early as March 1799 Lady Sarah was writing: "What vexes me most is the result of all the agitations and schisms on Mr. Conolly's health. He with £27,000 a year, an angel for a wife, many real friends, very tolerable health, a lovely place, many attached servants, power sufficient to keep the neighbourhood quiet (if he knew how), his own Regiment quartered here to help him, is hourly in a sort of dispair, wishing himself dead, hurting his health, raving of dangers that don't exist, saying he is harnessed to death because he has not a friend on earth".
Resentment against Tom's support of the government escalated to such an extent that, in the summer of 1801, the Conollys left Castletown and moved to London. Tom died aged 69 on the afternoon 27th April 1803. He and Lady Louisa had no children. By his will he left everything to his wife for life, and thence to Edward Pakenham, eldest son of his niece Louisa Pakenham who lived across the Liffey at Rockfield (Donacomper). Lady Louisa continued to live at Castletown until her death, alleviating her loneliness by developing Ireland's first Industrial School (on the site of her husband's kennels) where boys were taught carpentry, tailoring, shoe-making and basket weaving. In another building nearby, girls were taught how to knit, sew and cook. As early as 1796 English papers were declaring that the fashion for straw bonnets in England originated with Lady Louisa's "praiseworthy" school for "the poor of Celbridge". Even the Queen and the Royal Princesses were known to sport Castletown bonnets! In August 1821 Lady Louisa erected a tent on the lawn facing Castletown, got into it and died. This was her intention, to die looking at the house to which she made such an enormous impact in terms of decoration and character.
Castletown then passed to Colonel Edward Pakenham, a great-nephew of Tom Conolly, who duly assumed the name and arms of Conolly. Two years earlier, Edward married Catherine Ponsonby-Barker. They moved to Castletown in 1821 where they raised six sons and four daughters. One son, Captain Arthur Conolly, was killed at the battle of Inkermann on 5th November 1854. Another, Colonel John Conolly was one of the first recipients of the Victoria Cross in the Crimean War. The youngest, Richard Conolly, was Secretary to the British Legation in Peking. One of Edward and Catherine's daughters was Mary Margaret Conolly who was married, in 1852, to the Rt.Hon. Henry Bruen, MP, PC, of Oak Park, Co. Carlow and Coolbawn, Enniscorthy, Co Wexford. Their son Henry Bruen was MP for Carlow and married Agnes, daughter of Arthur 'The Incredible' MacMorrough Kavanagh, PC, of Borris. Henry and Mary Bruen's eldest daughter was Katherine Anne Bruen who married Thomas Kane McClintock Bunbury, 2nd Baron Rathdonnell.
When Edward died in 1848, his 25-year-old eldest son Tom Conolly succeeded to Castletown as well as to his the vacant seat of Donegal. He was also Deputy Lieutenant and Justice of the Peace for Donegal and Kildare. The Conolly fortunes were already in decline when Tom succeeded. His fulsome lifestyle did little to halt the downturn. An intimate friend of both Napoleon III and General Robert E Lee, this uncle of Katherine Anne Rathdonnell attempted to run the Charleston blockade during the US Civil War but was foiled when Unionist cruisers sank his ship. Cast adrift on an unknown coast, he managed to hail a passing sailing vessel bound for England, worked as a crewman for the duration of the trip, jumped ship on the coast of Donegal and was in Donegal town in the nick of time to retain his seat in the election. He became a good friend to Prince Louis Napoleon during the time he lived in London.
At Castletown House, he kept the Salt Harriers, comprising of 25 couples of harrier / Welsh foxhound cross which, under huntsman Thomas Bourke, hunted Mondays and Fridays.
In 1868, he caught the eye of the gorgeous (and wealthy) Miss Sarah Eliza Shaw, daughter of a Celbridge millowner from Temple House, Celbridge; they were married in Bray in September, honeymooned in Paris and returned to Ireland the following spring. The "lowly" bride shocked many of his contemporaries, but it was a happy union. Three sons and a daughter followed: Thomas, who was killed in the South African war; William, who died young in 1895; Edward Michael (Ted) who lived at Castletown until circa 1956; and Kathleen, who married Lord Carew in 1905. Photographs of Sarah, Thomas, William and Kathleen appear in the Pearl Album at Lisnavagh, while Tom was photographed for the Kildare Hunt album at some time before his unexpected death aged 53 in August 1876. The Irish Times mourned him as "genial, kindly, generous to a fault, patriotic in sentiment [and] where the best interests of Ireland were concerned ,one of the very best of our resident landlords". Several decades later, in his son's obituary in The Otago Witness, they too recalled him as 'almost the last of the old school of Irish gentlemen – gay, gracious, kindly, brave and chivalrous'.
Tom's sisters included Louisa (who m. 1846 Hercules Rowley, 3rd Baron Langford but accidentally drowned in November 1854, four months after her husbands death), Henrietta (who married in 1880, the Rev Edward Montgomery Moore) and Mary Margaret (who was married on 6 June 1854 to Rt Hon Henry Bruen of Oak Park and died on 13 May 1894; he died 8 March 1912). There are also daguerreotype pictures of the Misses Conolly at Hamwood which are presumed to be Thomas's sisters Henrietta (Harry) and Frances (Franny).
Tom's eldest son Lieutenant Thomas Conolly was born on 1 September 1870. He joined the Scots Greys from the Militia in 1893 and was commissioned as a full lieutenant I December 1894. Four years later the younger Tom was sent to Egypt for employment with the Egyptian army. During the Boer War, he was killed fighting in 'the affair at Nitrals Nek' (at Uitval) on 11 July 1900.  Reporting on his death, The Otago Witness declared him 'one of the best-beloved' of the Scot's Greys officers.
When Ted died in 1956, the property passed to his brother-in-law, Bill Carew, 6th Baron Carew, eldest son of the Major's only sister Catherine and Gerald Sharpland, 5th Baron Carew. He duly took on the name Conolly-Carew. The 6th Baron married Lady Sylvia Maitland, a daughter of the Earl of Lauderdale, Lord Lieutenant of Ireland from 1915 to 1916. Lady Sylvia's brother Ivor Maitland was killed in North Africa in January 1943. In 1965, Lord Carew put the ancestral pile up for sale, declaring that the family were unable to afford its upkeep and that extensive repairs were required. In May, Major Walter James Latimer Willson (better known as Jimmy or 'Double L') teamed up with his wife Diana's 29-year-old second cousin Julian de Lisle to jointly purchased the mansion and its 580-acre estate for £166,000. Mr de Lisle, the millionaire son of a Birmingham stockbroker, was also a kinsman of the Guinness family of Straffan. The auction was conducted in Castletown's main hall by Arthur McCabe of Jackson-Stops and McCabe. Among those in attendance were the Hon. Desmond Guinness of the Irish Georgian Society, Patrick Norton, Labour TD for Kildare and Baron Winspeare-Guicciardi, the Italian Ambassador. The Hon. Pat Conolly-Carew was serving with the Royal Horse Guards in Germany at the time of the sale. Dermot Moore, a Malahide-based building contractor, was the other serious bidder, but stopped at £162,000. As well as the house and land, the purchase included four gate lodges, the workman's cottages, stable yard, farm-yards, walled garden, greenhouses and two gardeners houses. The contents of the house were auctioned in March 1966, shortly before the Carews vacated the premises.
In February 1960, Castletown House was rented by Richard Meade, 11th Hussars, who, as part of Great Britain's three-day event team, would go on to win gold medals at both the 1968 and 1972 Olympics. The Meade party took Castletown 'in order to lap up Ireland and get as much hunting as possible.' Horses were hired for them to go with the Kilkenny on a Wednesday, while an early rise enabled them to attend the Kildare meet at Kilcock on the Thursday morning. The latter was a good day for all, except Julian Peck who was lucky to get away with just six stitches when the roan mare Blunderbuss fired a broadside in the confined space of the large three-horse trailer just as he put his head through the side door. That evening, the hunting party dined at The Russell with an old family friend, Islay Campbell who was staying with Desmond Guinness. A visit to Alfredo's nightclub followed, but Richard Meade opted out in order to be on track for a three hour drive to the Freeman-Jacksons near Mallow the following morning. The rest of the group, who stayed beyond 2.45 am, were rewarded by an invitation from Lord and Lady Hemphill to stay and hunt with the Galway Blazers the following Tuesday, taking their own horses.
In 1968, the Hon. Desmond Guinness purchased Castletown House with 90 acres from the Willsons with a view to opening it to the public as a flagship of the Irish Georgian Society. The Willsons retained the remainder of the lands, some of which became part of the expanding town of Celbridge. They also held enough land to organize a spring show which had its unexpected debut in April 1968 when the Meath Hunt called off their own annual show. The Willsons' hastily organised event drew entries from 150 horses and was considered an 'excellent success'.  At the end of August 1970, Castletown Horse Society's annual horse show acted as a warm up for the following month's World Three Day Championships at Punchestown.
In 1979 the house was given to the Castletown Foundation, a charitable foundation established to own and maintain the house.
The present head of the Conolly family is Patrick Conolly Carew, 7th Baron Carew, who represented Ireland in eventing at the Olympics. In 1962 he married Celia Cubitt, daughter of the Hon. Charles and Rosamond Cubitt. Their daughter Virginia McGrath represented Ireland in the same category at the Atlanta Olympics in 1996 and Sydney in 2000. A second daughter Nicola is married to Piers de Montfort, a banker in London. The third Camilla lives in Donadea. The heir apparent, William Conolly Carew, is now living in Kildare with his croquet-savvy wife Jane Anne, their son Patrick and daughters, Poppy and Georgina.
With thanks to Will Carew and Suzanne Pegley.
 Debenture: An unsecured long-term note as evidence of a debt.
 His brother-in-law James Bonnell was sometime Comptroller and Accountant General of the Revenue in Ireland.
 "The Conollys of Castletown: A Family History", Lena Boylan, Irish Georgian Society Bulletin, Vol X!.4, Oct – Dec 1968.
 Letter from Katherine Conolly to Lord Strafford, 28th February 1733. Quoted in Boylan, p. 15.
 In 1781 her younger sister Sarah, who had divorced Bunbury, came to Ireland with her second husband George Napier and settled at Oakley Park outside Celbridge. See: Maunsell.
 As Master of the Ordnance in Ireland, Louisa's husband, Admiral Thomas Pakenham, was in charge of rounding up Kildare rebels in the wake of the Emmet Rising of 1803.
 (The Times, Saturday, Jul 14, 1900; pg. 8; Issue 36194; col C.
 Peter O'Brien was born in County Clare and became Lord Chief Justice of Ireland in 1889. He was nicknamed Peter the Packer after his penchant for packing juries. He was raised to the peerage in 1900. His charming wife Lady O'Brien was a daughter of Robert Clarke of Bansha, Co. Tipperary, and a cousin of Charles Clarke of Graiguenoe Park, Holy Cross, whose house was burned down shortly after the Irish treaty. They had two daughters, the Hon. Georgina and the Hon. Ellen O'Brien, both keen hunters. They later lived at Airfield House in County Dublin.
 The Irish Times, Thursday, May 20, 1965.
 Irish Independent, Monday, April 22, 1968, p, 2; The Irish Times, Monday, March 30, 1964, p. 6.
NB: A side-shoot of this story concerns the jockey Patrick Conolly "who was baptised "Patricium Pendergast" at Wexford in 1806. The name "Conolly" appears to have been a riding nom-de-plume, both a nod to the Conollys of Castletown and a means by which his master, Michael George Pendergast MP, could distance himself from his lowly relation. Patrick's 1822 fling with Ellen Catherine Ricketts, led to the birth of John Conolly, illegitimate, banished by both parents, eventually transported to Australia. Ellen was the daughter of Charles Milner Ricketts of the HEIC, who was a first cousin to Lord Liverpool, British Prime Minister at the time. Lord Liverpool's correspondence in the BL includes a letter written by Ellen's mother to her brother M.G. Pendergast, which letter MGP subsequently passed on to Lord Liverpool. The letter, written in cryptic terms late in 1822 or early 1823, all but confirms the imminent arrival of an unwanted child." (With thanks to Mark St Leon).


We all have heard of the bush tucker treat, the witchety grub, but how many know what happens to a witchety grub when it grows up and gets its wings? Today my daughter brought home this beautiful giant moth found in the school yard. We set it down on the kitchen table and I took a couple of photographs before it when out into the garden.
After a little bit of research we discovered it was an adult witchety grub or wood moth. There are about 60 species of wood moths in Australia of the family Cossidae, the largest having a wingspan of more than 25cm. The life cycle of the 'witchety moth' is rather interesting with the grub living for up to two years before becoming a moth which will live just a few days. This one will only live for a day or two more.
Its always fun to take photos of unusual critters and this little guy was a poser for the camera!
Yes, the rumors really are true; Jennifer has a third collection of her fabulous poetry completed and now with the publisher for production. There will only be a limited run of these so to make sure you do not miss out you can pre-order your very own copy at White Wave Press.
The other good news is that 10% of the sale price of each copy of Jennifer Liston's third poetry collection will be donated to Ovarian Cancer Australia.
Once again be prepared to be entertained, amused and perhaps at times a little challenged with her beautiful and thought provoking words.
Jennifer is about to launch her third collection of poetry and we decided to take some fresh new photos for her author profile. Here is just one of the many I took Sunday evening down on the beach at sunset. A few more can be found on Facebook but to be honest we really have not even started reviewing them.
One thing I tried for these images was using Canon's 100mm F2.8 macro. The one I usually use for those little undersea critters. Well as a portrait lens wide open at F2.8 this lens is as sharp as a tack with just enough depth of field to be manageable.
This photo of Jennifer was taken right on sunset with the sun kissing the horizon with only natural light. She looks gorgeous, doesn't she!


There are 7 Auto insurance companies in Osseo, MN. Below is a list of the 10 most popular Auto insurance companies on Auto Insurance Directory. Are you looking for a auto insurance company specialized in a specific insurance? Refine your search by selecting a insurance.
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Pondmaster's Supreme AP air pumps are perfect for a variety of water related applications. The Supreme Deep Water Air Pumps will aerate your water and maintain a healthy living environment to ensure your aquatic life receives the proper oxygenation needed. This Supreme Deep Water Air Pump comes with a diffuser and 1 year limited warranty.
The dimensions of the AP-20 are: 8 1/2"L, 5"W, 6"H.
The dimensions of the AP 40 are: 9 1/2"L, 6 1/4"W, 7" H.


If you haven't started using 12V LED Lights, it's about time you looked into them! LED lighting has gained massive traction over the last few years, and is now a very popular alternative for a wide range of applications. LED's are bright, durable, long lasting, cheap and they use minimal electricity; you just can't beat them.
Firstly, I'd like to show you a modification that I think everyone should do to their car. How many times have you struggled to find something in your car at night due to a lack of light? If you are running the standard Festoon globe, I have the perfect solution. For $3, you can get a massive improvement by fitting an aftermarket board with multiple LED's on it. The kits come with an adaptor that can simply be put in place of your Festoon globe. Have a look at a direct comparison of lighting from the old globe to a new LED one and see for yourself! You can also buy LED festoon globes, which work well.
Three dollars buys a lot of light!
I'd like to recommend another product that is very useful for a number of different things. Again, off eBay, you can purchase 5 metres of LED Strip Lighting for about $27 delivered to your door. These can be cut every 6 cm, and you simply solder wires onto the terminals and away you go. It comes with double sided tape, and can be stuck to almost anything you can think of. Popular applications include inside canopies, interior lights of vehicles, reversing lights, shed lighting, alfresco lighting and the list goes on. You can get a variety of lengths and LED types (which will have different outputs of light).
Remember when HID spotlights came out, and they were being purchased left, right and centre? Now, the same thing is happening with LED Light Bars. They have an incredible spread of light, and are very affordable. You can get them as small as 20cm wide , or up to over a metre long. I was looking into upgrading the lights on my 80 series Land Cruiser recently, and decided to fit a 600mm Narva LED light bar rather than HID spotlights. The results are fantastic, and I am very happy with it.
LED light bars are not designed for long distance though. The very expensive ones will shine up to 500 metres away, but most won't do more than a couple of hundred metres. If you are doing fast driving at night on the road, you are best off with a set of HID spotlights. LED light bars are best for slower driving work as they throw light in every direction. Of course, the ideal setup is both an LED light bar and HID's, but I'm too much of a miser to install them!
Now, we are running a 42″ Stedi ST4K LED light bar on our Isuzu Dmax, and its amazing.
If you want a replacement reversing light, or work light, LED is the go. They are cheap, and are taking over the market. Have a good look into 12V LED Lights.


Well, this is the most baffling thing I've heard all week.
It's doubtful any educated person is going to buy Wii U Minecraft now, and Microsoft can use the low sales to justify never bringing the game to the NX (which may have been their plan all along, mwahaha). How exactly a developer looks at an obvious feature and then thinks "That would have been cool, oh well, too bad it'll never happen" even though he is the one person who has the ability to add it….is completely lost on me.
Fans are now bombarding that tweet with angry comments and demanding answers, Hill has yet to respond again.
Next Story → Wii U Minecraft Might Not Use The Gamepad, But It DOES Have….


WebHostingZone Review 2019: Is WebHostingZone a Good Hosting?
WebHostingZone offers affordable hosting packages backed up by optional software and server installation services from Linux experts. You can get exactly the solution you need if you're willing to pay the price.
WebHostingZone was founded in 2010 to provide quality Linux hosting. It prides itself on offering expert Linux support, so the technical support staff can help you with software or server installation (for a fee).
This vendor provides a straightforward set of shared, reseller, VPS, and other specialized hosting solutions out of data centers located in Atlanta, Georgia. Its website is in English.
While WebHostingZone offers an uptime guarantee (which is always good), this one comes with a few caveats. First, it's calculated over a 12-month period. Second, it doesn't cover DDoS attacks, backbone service issues, or DNS issues. That said, significant downtime does seem to be rare.
WebHostingZone performs automated backups, but only once a week, and only one backup (of no more than 1 GB) at a time is kept. Webmail is provided, and it comes with SpamAssassin filtering and security.
Besides the standard web hosting, this provider also offers some unusual hosting packages including GitLab hosting, Redmine hosting, and Canvas LMS hosting.
If you don't have sufficient experience to set up your own CMS, you can purchase WebHostingZone's setup services for OpenCart, Magento, Git, and more. The same goes for setting up entire servers.
WebHostingZone's resource limits are very generous compared with most other hosts in the same price range. Not only do the storage limits start quite high, but also you are not limited in terms of bandwidth or the number of domains. However, the unlimited plan seems a bit expensive for the features on offer.
All hosting plans apart from the starter 'Micro' plan allow you to be billed monthly, and this also applies to reseller and VPS plans. Pay by PayPal or credit/debit card.
You get a 30-day money back guarantee, so you can sign up relatively risk-free, but beware that this doesn't apply to VPS or special hosting packages.
Unfortunately, this vendor doesn't do free domains, and its domains can cost slightly more than those from domain registrars. However, you do get plenty else for free, including an SSL certificate, DNS management, email forwarding, and a cPanel license. Just keep in mind that on the Micro plan, you only get an SSL certificate for one site. The only upsell is ID protection, which you get for free with an Unlimited plan.
WebHostingZone also provides several paid support services, most notably CMS installation, and this provider is particularly proud of its Linux prowess. Unfortunately, for self-support, the knowledge base is nowhere near complete.
WebHostingZone might not be a perfect host, but it does provide solid hosting packages at affordable prices. This could be a host to consider, particularly if you need some professional setup services.
Get affordable hosting from Linux experts at WebHostingZone.
Wondering how WebHostingZone stacks up against other Web Hosting companies? Enter any other Web Hosting company and we will give you a side-by-side comparison.


Like much of Lebanese style belly dance, the 'Lebanese Hip Circle,' is larger and more dramatic than the basic 'Hip Circle.' Let's first review the more controlled, basic 'Hip Circle' on its own before throwing in the drama. Begin with feet shoulder-width apart, knees slightly bent and simply flex both glutes. Notice how this naturally pushes your pelvis slightly forward. Relax your glutes, and notice how your pelvis returns to centre. Repeat this movement and exaggerate it: squeeeeze your bum cheeks together, pushing your pelvis forward, then release your glutes, tucking your pelvic and sticking your bum slightly out behind you.
Now let's try moving from side to side. Start in the same position, but this time just flex your left glute. What happens? Your hips naturally slide to the left. Flex your right glute and same story – your hips slide to the right. Try not to allow the flexing of the glute to tilt the pelvis forward but keep the hip moving straight out beside you, from side to side. Now try to exaggerate this movement, flexing one side and then the other, sticking the hip out and feeling a stretch on the same side of your body that has the flexed glute.
Now put that all together. Flex both glutes – pelvis moves forward. Relax the right glute and flex the left glute harder – hips move left. Relax both glutes, moving your hips to the centre, slightly tucking your pelvis in and sticking your bum out. Flex the right glute – hips move right. Squeeze your bum cheeks together, returning the hips to center and pelvis slightly forward to complete the circle. Practice this several times, hitting four distinct points, then smooth it out to form sensual circles.
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'Wait, It Could Have Been a Dog This Whole Time?,' Said Every Kansas Voter Ever
Sam Blaufuss February 15, 2018
When a long-haired Vizsla entered the race for Kansas' newly vacant governor seat, well, no one was actually really surprised. After what happened in the 2016 election, it could be wagered that animals and inanimate objects holding positions of power won't have anyone clutching at their pearls for some time now.
"After two terms of Sam Brownback, all I could think was, 'huh, a dog was an option at one point?'" said Kansas citizen, Aaron Porter. "For the entirety of the last seven-year road, the alternative all along could have been to just throw someone's dog into the ballot?"
The hound in question, a Hutchinson native, operating under the name of Angus P. Woolley, caught lawmakers off guard as there are actually zero requirements to meet in order to be able to be elected governor in the state of Kansas, because of course there aren't.
"Legislation is actually being pushed to specifically prevent dogs and minors from running for the governor's seat, accurately capturing where our priorities as a state lie, said one Kansas politician after laughing and getting very sweaty. "We gotta cut this good boy's campaign off."
It is understandable that many Kansans feel a tad cheated at this point. A dog governor would be a worthy cause for two main reasons: one, it would not be Sam "Properly-Funded Public School Systems are for Booty Eaters" Brownback, the harbinger of the Kansas conservative utopia, and two, it would be a dog.
"I know this is pretty out there, but I would gladly back an earthworm candidate, if he/she's got the moxie for it," said KU senior Amanda Potts. "Who knows, perhaps even a salmon. Anything is on the table in a post-Brownback Kansas."
Against Kansas' better judgement as a state, a dog will not be permitted to run for governor. But the state will not take this as a reason to stop fighting. We'll get a dog in that office someday, damnit.
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Home » Bernanke Pushes Covered Bonds as GSE Alternative
Bernanke Pushes Covered Bonds as GSE Alternative
Paul Jackson
KEYWORDS Banking Ben Bernanke Chair chairman Company Investment Covered bond Economic history Economics Fannie Mae FDIC Federal Housing Finance Agency Federal takeover of Fannie Mae and Freddie Mac Finance Freddie Mac Major Mortgage bank Person Career Person Email Address Quotation Securitization Subprime crisis impact timeline Subprime mortgage crisis Technology UC Berkeley UCLA United States US Federal Reserve
In wide-ranging remarks that admitted the fundamental breakdown of the mortgage financial machine, Federal Reserve chairman Ben Bernanke last week discussed the three big-picture options now on the table as they relate to both Fannie Mae (FNM) and Freddie Mac (FRE) in particular, and as they relate to mortgage finance, in general: privatization of the GSEs, nationalization of the GSEs, and the development of a viable covered bond market. "The financial crisis has upset the linkage between mortgage borrowers and capital markets and has revealed a number of important problems in our system of mortgage finance, including weaknesses in the structure and oversight of the GSEs and perhaps in the originate-to-distribute model of credit provision itself," he said at joint UC Berkeley/UCLA symposium covering the nation's mortgage meltdown. While he discussed prospects of nationalization and privatization of the GSEs, it's clear from his remarks that Bernanke sees covered bonds as the potential best-hope scenario for replacing much of the liquidity now missing from the private-party mortgage market. "GSE-type organizations are not essential to successful mortgage financing; indeed, many other industrial countries without GSEs have achieved homeownership rates comparable to that of the United States," he suggested, arguing that covered bonds have become the primary source of mortgage funding in major European countries. U.S. regulators and policymakers, including Treasury chief Henry Paulson and FDIC chair Sheila Bair, have been pushing covered bonds as a replacement for off-balance sheet securitization in recent months; we've been told this is largely because the Federal Accounting Standards Board is likely to push through changes to key accounting rules that will disallow much of the off-balance-sheet treatment central to most securitization activities. "Covered bonds do help to resolve some of the difficulties associated with the originate-to-distribute model," Bernanke said in his remarks. "The on-balance-sheet nature of covered bonds means that the issuing banks are exposed to the credit quality of the underlying assets, a feature that better aligns the incentives of investors and mortgage lenders than does the originate-to-distribute model of mortgage securitization." While the four major commercial banks -- Bank of America Corp. (BAC), Citigroup Inc. (C), JP Morgan Chase & Co. (JPM) and Wells Fargo & Co. (WFC) -- made a commitment to issue covered bonds and build a market, analysts remain especially unconvinced given other forms of available funding for banking operations. "As a form of mortgage funding, covered bonds are unlikely to be very competitive versus the alternatives of equity capital from the Treasury and 3-year FDIC-guaranteed senior unsecured bank debt," analysts at Bank of America said in a late October research report. "The FDIC guarantee program ends on June 30th, 2009 and we may see institutions focus on diversifying their sources of funding." Most analysts said they could see covered bonds as a potential replacement for securitization in the jumbo mortgage market, which has literally died in the current credit crunch; no one yet sees the market for covered bonds competing the with GSEs or FHA as sources of mortgage funding. But even that market slice is likely to be limited, given the new FDIC guarantee on bank debt and the Treasury's capital injection program, as both are seen as superior sources of funding relative to covered bonds. Neither of those weaknesses were mentioned by Bernanke, however, during his speech. He did note that banks' current access to the FHLB system would hinder covered bonds as a funding source, as well, saying that "given longstanding features of the U.S. system such as the prominent role of the Federal Home Loan Banks, covered bonds may remain an unattractive option to U.S. banks." Which in many ways leaves us back at ground zero: how does this now-largely broken industry fund loans other than those that squeeze into a government guarantee, explicit or otherwise? And even for those loans receiving an "effective" guarantee via Fannie and Freddie, as FHFA director James Lockhart suggested last week, can we ever consider placing that funding machine back into private hands and expect it to capitalize the nation's mortgage banking system? "We must strive to design a housing financing system that ensures the successful funding and securitization of mortgages during times of financial stress but that does not create institutions that pose systemic risks to our financial markets and the economy," the Fed chair said in his closing remarks. "Government likely has a role to play in supporting mortgage securitization, at least during periods of high financial stress." Like, well, right about now. Write to Paul Jackson at paul.jackson@housingwire.com.
Paulson, Banks Push Covered Bonds
Bernanke: GSEs 'Failing' on Affordable Housing
Could Covered Bonds Replace Securitization?
Paul Jackson is the former publisher and CEO at HousingWire.
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