Saturday, June 30, 2012

Barack Obama - The End of 401k, Ira, and resignation Accounts As We Know Them?

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Barack Obama is the president-elect of our great nation. Now, the main quiz, turns to, How will Obama's choice work on me personally? Well, since you asked, the main target of the Obama management may be your 401k, 403b, Ira, and other retirement accounts.

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How is Barack Obama - The End of 401k, Ira, and resignation Accounts As We Know Them?

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2009 may well bring a concerted and all-out attempt by the Obama management and a Congress with well over ½ Democrats shooting to turn the generally Republican Investor Class into an endangered species by, among other tactics, raising investment taxes and ending the tax preferences for 401k, Ira, and other retirement accounts.

Here is the emerging battle plan for Obama's War against Tax-deferred retirement Plans :

Investment Taxes are going to be raised.

Obama wants to raise capital gains taxes even though he has admitted that it might be bad for the cheaper and might for real decrease tax wage to the government. For now, he is talking about raising the top cap gains rate by one third to 20 percent, though earlier in the campaign, he floated pushing it as high as 28 percent, a near doubling. Now that he has been elected, he could revert to his early campaign promise of 28%. With the next management facing a trillion dollar budget deficit, there will for real be pressure to raise taxes to higher levels than now being suggested.

Annuities and Life guarnatee had great watch out as well.

The governments mouth has been watering for a whole of years, inspecting the windfall of cash that would come from taking away the tax deferred status of cash value guarnatee and annuities , and also the tax free life guarnatee benefit to beneficiaries. This could have a double jeopardy effect on estate taxes as well, since many affluent individuals rely on life guarnatee to cover the death tax.

401k, Ira, and other retirement plans may be a thing of the past.

Democrats in the House are now talking openly about the longtime liberal dream of repealing the tax advantages of putting money into a 401k plan or other tax-advantaged retirement account. Some think that since the savings rate is not going up for the investment of billion [in 401k tax breaks], they have to started to think about either or not they want to continue to invest that billion for a course that is not generating the wage they say it should.

Teresa Ghilarducci, an economist at the New School for communal explore in New York, floated a radical alternative to 401k at a hearing held by Miller Oct. 7.

Under her plan, workers would receive a annual 0 tax refund if they set aside 5 percent of their pay into a retirement account run by the communal security Administration, which would then invest globally in risky assets to seek high returns.

From that pool, workers would be paid a guaranteed 3 percent a year indexed to inflation.

The turn would encourage workers not to hang on to jobs longer than planned.

Because their returns would be guaranteed, workers would be able to retire on schedule, she said.

We need population to retire when the cheaper tanks in order to keep up compound quiz, and to cut pressure on the labor market. And the only way to do that is to unhook the finance markets from retirement income, she told Reuters.

Not only would removing the preferential tax rehabilitation of these vehicles raise investment taxes by 0 billion a year, as well as affecting the Rich development less than 0,000, it would for real prompt many Americans, already shell-shocked by the markets up-to-date losses, to flee stocks. There are trillions of dollars in American retirement accounts, and abandoning the higher-returning stock market at a probable lowest is probably the worst long term financial move that an investor could make.

Simply put, if you believe in the American economy's prosperity over the foreseeable future, then you have to believe in the stock market. If you do not, then you have to admit that the government will have to fund all of its promises one way or another. The low lying hanging fruit of 401k, Ira, and retirement plans may just be too tempting for them to look the other way.

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1996 US Election Coverage CNN Part 18

Campaign Finance Reform - 1996 US Election Coverage CNN Part 18.
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How is 1996 US Election Coverage CNN Part 18

1996 US Election Coverage CNN Part 18 Video Clips. Duration : 10.43 Mins.


We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . 1996 US Election coverage from CNN Tuesday November 5, 1996
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Congressman Bob Brady, Democracy Champ

Campaign Finance Reform - Congressman Bob Brady, Democracy Champ.
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How is Congressman Bob Brady, Democracy Champ

Congressman Bob Brady, Democracy Champ Video Clips. Duration : 1.38 Mins.


We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . On September 23, the Committee on House Administration passed the Fair Elections Now Act, allowing it to get a vote on the House floor. The Chairman of this committee, Congressman Bob Brady, was honored as a democracy champ by Common Cause for his work on this crucial bill. Help get big money out of politics - visit www.fairelectionsnow.org for more information.
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Corporate spending in the 2010 elections

Campaign Finance Reform - Corporate spending in the 2010 elections.
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How is Corporate spending in the 2010 elections

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . www.dontgetrolled.org Public Citizen President Robert Weissman breaks down corporate spending in the elections and talks about the need for a constitutional amendment to overturn the Citizens United v. Federal Election Commission ruling.
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Presidential Candidate Buddy Roemer on Running with Ron Paul, Debates, More

Campaign Finance Reform - Presidential Candidate Buddy Roemer on Running with Ron Paul, Debates, More.
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How is Presidential Candidate Buddy Roemer on Running with Ron Paul, Debates, More

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . --Buddy Roemer, former Governor of Louisiana, former Democrat, and current Republican Presidential candidate, joins us to talk about his campaign, the Republican field, why he switched from Democrat to Republican, and more. --On the Bonus Show: White House holiday decorations a waste? TV ownership down first time in Nielsen history, Indian farmers & bribery demands, more. The David Pakman Show is an internationally syndicated talk radio and television program hosted by David Pakman www.davidpakman.com http www.davidpakman.com www.facebook.com www.twitter.com feeds.feedburner.com 24/7 Voicemail Line: (219)-2DAVIDP Broadcast on December 1, 2011
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Friday, June 29, 2012

Hayward on Citizens United

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How is Hayward on Citizens United

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . Prof. Allison Hayward of George Mason Law School and the Center for Competitive Politics discusses the Supreme Court's upcoming rehearing in Citizens United v. FEC. She also frightens deer and pretends to play bad violin. A brief filed on behalf of a group of campaign finance scholars can be found at www.scribd.com
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The Influence of Super PACs on the 2012 Elections

Campaign Finance Reform - The Influence of Super PACs on the 2012 Elections.
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How is The Influence of Super PACs on the 2012 Elections

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . Anthony Corrado: Super PACs favoring President Obama will raise enough to level the playing field in the presidential race, but their influence in Congressional races and the battle over control of Congress will be even greater. More: is.gd
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Colorado GOP - It's time to get involved!

Campaign Finance Reform - Colorado GOP - It's time to get involved!.
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How is Colorado GOP - It's time to get involved!

Colorado GOP - It's time to get involved! Video Clips. Duration : 1.07 Mins.


We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . Ryan Call was elected Colorado Republican State Chairman in March 2011. Ryan was born in Denver, grew up in Adams County, and attended Ranum High School in Federal Heights. He received his JD from the University of Denver in 2005, and his MBA in finance and organizational management and BA degrees from the University of Colorado at Boulder. Ryan is an attorney with the Denver law firm of Hale Westfall, LLP, where he provides legal counsel and strategic advice to a broad range of corporations and trade associations, tax-exempt non-profits and advocacy organizations, political party committees, candidate and political action committees, and individuals. Ryan previously served as a member of the University of Denver Sturm College of Law Alumni Council, as a Commissioner appointed by Governor Bill Owens to the Colorado Access to Justice Commission, and worked for two sessions as a legislative aide in the Colorado General Assembly. He has served as a member of the Colorado Secretary of State's Advisory Panels on Election Law and Campaign Finance and Lobbyist Regulation, and the Colorado Lawyer's Committee Election Law Task Force. In addition to his membership in the Colorado and Denver Bar Associations, Ryan has been an active member of the Denver Hispanic Chamber of Commerce, the Federalist Society and the Republican National Lawyer's Association, and is a member of the National Rifle Association. Prior to being elected State Chairman, Ryan served as the State Party's legal ...
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Money in Politics 2009 | Michael Waldman

Campaign Finance Reform - Money in Politics 2009 | Michael Waldman.
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How is Money in Politics 2009 | Michael Waldman

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . Money in Politics 2009: New Horizons for Reform, a conference held by the Brennan Center at the National Press Club. Michael Waldman, Executive Director of the Brennan Center for Justice, welcomes everyone to the conference and introduces two speakers, Robert Kaiser (Washington Post), and Representative Chellie Pingree (D-Maine).
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The importance of the Civil proprietary Movement

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The Civil ownership movement was less a struggle about race and more of a struggle about forcing decency between fellow human beings. The civil ownership movement was taking shape for years, but it honestly came to the fore front while the year 1955. This is the year that both Rosa Parks refused to give up her seat on the bus, as well as Emmitt Till being hung in the south for whistling at a white woman. The outrage and fury of these two cut off incidents led to boycotts and also led to the civil ownership movement being brought to view nationwide by the power of television.

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How is The importance of the Civil proprietary Movement

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The movement was foremost because for the United States of America to be able to proclaim itself a great nation and a truly free nation, all of it's citizens had to have equal rights. The experiment known as cut off but equal proved to be a failure. To truly have equal ownership that were supposed to be afforded to all Americans, a man had to have equal passage to all privileges. There was no way that there was adequate money and resources to build all truly equal, but used for only one race of human beings. To fix this error a new set of leaders emerged from both the church and the political body. From Martin Luther King Jr to President Lyndon B. Johnson who signed the Civil ownership act of 1968, them plus many more heroes led the way to fight against the injustice that had stood for too long and needed to be knocked down.

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Thursday, June 28, 2012

21 Strategies For a Killer Sustainability Plan

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You may have heard of the term "seed money." Basically, it refers to how funders prefer to fund a scheme the first time, planting seeds for hereafter growth. Funders expect that you will be able to preserve the agenda once it has started.

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How is 21 Strategies For a Killer Sustainability Plan

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Why? Donors are not concerned in adopting a scheme indefinitely.

Funders want insurance that the scheme they fund - and the benefits it generates - will feel over time.

Ask yourself 2 questions...
What kind of insurance can you give that the idea or scheme you're proposing will feel over time? What strategies can you implement that will increase chances that what you start will be sustained and maintained over time? The Sustainability Plan is the weakest part of most grant proposals. In this article, you will learn 21 strategies to originate a sustainability plan that will leave your competitors in the dust.

But, first, allow me to share my personal experience with Sustainability Plans, or lack thereof. I learned the "sustainability" chapter the hard way. Here's my story...

In 1993, the .5 million in federal grant funding (my first grant) came to an end. I didn't perceive until it was too late that the Fed's were serious about only giving grants for five years.

We had no sustainability plan in place.

Sadly, I had to let go of 25 teachers and tell 3,000 students - newly legalized immigrants - that they no longer had classes. We were able to preserve some classes on a fee-for-service basis. However, the heart of the agenda died with the funding. I was devastated.

I hadn't realized until it was too late that getting grant "seed money" is a blessing And a curse. On the one hand, the money can originate many great projects and do great things. On the other, you are responsible for arrival up with your own ways to preserve your efforts after they've started, if you know how. Now, you do...

21 Sustainability Strategies

Here are 21 "proven" strategies to select from for your sustainability plan...

Apply for other grants from other sources. Keep in mind that other funders may not want to keep a agenda going either.

Let the assosication suck up hereafter funding responsibilities (if it is large enough). This happened in the case of a single Parent - Displaced Homemaker agenda at the local college. The President and college management found ways to use more gain state funding combined with discrete federal and state grants to keep the agenda going, but only after it had proven itself.

Use fee-for-service. Payment the clients a portion of the cost as tuition or fee, even a "sliding scale" if necessary. When my first grant funding dried up, we convinced the county and city to fund a portion of the cost of the classes. We expensed the students the rest. This reduced students' costs.

Use sponsorships or 3rd party subsidies. For example, a local summer camp for handicapped children gets corporations and personel donors to "sponsor" a kid for the summer. originate an adopt-a-_____ campaign, like adopt-a-pet, adopt-a-school, sponsor-a-child or adopt-a-whale.

Start a for-profit enterprise. Put your clients to work. Our local disabled adults do projects like running a clothing story, putting labels on envelopes for large mailings, and even helping with horticulture projects.

Do every year fundraisers. take a "high return on investment" fundraiser that you can do on an every year basis, like a golf tournament, celebrity event, concert, raffle, dinner, or roast.

Develop recurring wage models, like membership programs. For example, originate a "membership website" that takes what your division does and shares something every month with members (your monthly donors). One local nonprofit records interviews of visiting monks and scholars and provides these as Mp3's for member donors month-after-month to download from their membership website.

Create an Endowment campaign. Most large charities have caught on that one of the best ways to preserve programs is by creating an endowment fund. Basically, an endowment fund invests money received and spends 5% or so every year from the interest made from the venture of its assets. This is how many foundations work. You're able to spend the interest from investing your assets each year without touching the principal.

Create a Planned Giving program. Planned Gifts may be referred to by other names like a "will" or "bequest." These are prepared prior to the end of a person's life. The gifts are given when the person transitions. Agreeing to Giving Usa, over .66 Billion was given in bequests in 2008.

Create a development office, if you don't already have one. In addition to grants, a development office can coordinate Planned Giving, an endowment campaign, discrete campaigns, and other forms of fundraising.

Create a special campaign. Capital campaigns are popular initiatives to pull resources and citizen together to focus on raising money to build a building. You can also originate a campaign for approximately anything, like a new wing of your medical building, a scholarship fund, or to fund hip change surgical operation for a local dancer without insurance (that's happening right now for a friend).

Create a scholarship office, if you don't have one already. Pool your efforts to support students or clients in seeing grants and loans to pay for their own education or programs. Join everything in a one-stop location. The university from which I received my first Bachelors degree says that at least 86% of its students receive scholarships. I love how students personally get involved in helping other students find scholarships.

Get state funding or originate a special tax initiative. Associate with a U.S. Or state Senator or Representative who is sympathetic with your project. Brainstorm with them how to get state funding or start a tax initiative. One society college and high school in Florida combined their efforts along with state representatives to gain million in a "planning grant" to build a new tech town that could be shared by high school students by day and college students by night and weekends. Time your initiative well, so you don't overburden tax payers.

Do what you do best. Delegate the rest. Perhaps some of the aspects of your agenda could be picked up by someone else organization. For example, your intake could be picked up by an division that specializes in that. Your marketing could be absorbed by someone else division who has the expertise to do that. Then, you specialize in what you do best.

Create a Facebook "Cause" . This communal media fundraiser online is especially helpful when person on the board is having a birthday. One way to celebrate the birthday is by promoting and giving to the cause online.

Let other businesses raise money for you. A local grocery chain features a different nonprofit every month. A unavoidable ration of all purchases on a unavoidable day goes to the nonprofit. You may see this a lot in the fall (I do) when businesses donate office supplies and needed items to children, based on purchases.

Engage clients in your campaign. Empower clients to get involved in Pay It forward or other campaigns that get them involved in fundraising and giving back. For example, take a look at alumni organizations for colleges and universities. This can take place "after" clients have received your services. Or, it can take place "during" the time when clients are receiving services. This is great because clients have a vested interest in keeping the funding arrival and the agenda continuing.

Create and sell products online. The Food for every person Foundation has written some great books on organic gardening. These are ready online with proceeds going to the Foundation. originate products - like eBooks, Mp3's, special Reports - using your nonprofit's expertise. I produced a Cd of a "live" presentation done by a concept leader on a topic of much interest. 50% of all proceeds go to the Foundation for aware Living.

Do a telefundraiser. One mentor and colleague interviews different concept leaders every month. citizen pay to listen in. All proceeds go to micro-finance loans for entrepreneurs in third world countries. This colleagues interest is entrepreneurship, so this is a exquisite fit.

Become an affiliate. Align yourself and your division with a goods or aid in your area. Then, when you refer someone, your division receives a commission. It's prominent that the affiliate goods or aid is aligned with your mission and that you check with your accountant. In the worse case, the wage may be counted as "taxed" and not "tax-exempt".

Apply for membership in federal fundraising initiatives. For example, apply to the United Way for ongoing funding from corporate donations.

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Is Msg A Trigger For Headaches?

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Does Monosodium glutamate (Msg) cause headaches? It's a simple sufficient examine but there seems to be no clear-cut answer. Research studies have been inconclusive. Many say that inspiring Msg is not worse than eating a high salt diet. Others campaign vigorously against its use.

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How is Is Msg A Trigger For Headaches?

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As far as ill sufferers are concerned, the riposte seems to be - if it affects you, avoid it. Habitancy seem to have varying tolerance levels for Msg. Some can eat it quite happily, others appear to react to a very tiny amount. Many migraine sufferers believe that Msg will trigger a migraine for them. Even non-sufferers have been known to manufacture a ill after eating food containing Msg.

If it's known to cause headaches - why is it put into food?

It's all down to money. Msg is a flavor enhancer. The food industry can use cheaper, lower quality ingredients and by adding Msg, the taste is improved. Msg is a cheap additive and so it adds up to more money for the food provider.

Msg makes so much money for them, that Msg manufacturers have got together to finance 'medical research' to prove the Msg is safe. Those who are against the use of Msg say that these Research studies are biased as the board who advises the Fda includes many Habitancy who work in the food industry.

What sort of food has Msg in it?

Some foods are clearly labeled as containing Msg. Others are not. Anyone that has the following in it all the time contains Msg:

Hydrolyzed protein Sodium or calcium caseinate Yeast extract or autolyszed yeast Yeast nutrient Textured protein Glutamic acid

In addition, if you see these words on the packaging, the food often contains Msg:

Flavoring Flavors Natural flavors Stock / bouillon Broth (any kind) Carrageenan Whey protein concentrate Whey protein Whey protein isolate Soy sauce Soy protein isolate Soy protein concentrate Malted barley Malt extract Malt flavoring Maltodextrin Anyone 'protein fortified'

It's quite a list, isn't it? But is doesn't stop there. Other possible sources of 'hidden' Msg are sports drinks, chewing gum, bubble gum, colas and candy. It's becoming clear that if your headaches do seem to be triggered by Msg, you need to be vigilant when buying packaged or processed food.

How can Msg sway me? If you are susceptible to it, Msg can cause bring on a migraine attack and cause other severe headaches. It can also sway all of these physical systems:

Cardiac: drop in blood pressure, rapid pulse, angina, arrhythmias Circulatory System: fluid retention Neurological: light headedness, mood swings, depression, Add Digestive System: nausea, vomiting, diarrhea, cramps, bloating Respiratory: shortness of breath, chest pain, runny nose, sneezing Skin: rash, numbness, hot flashes, dry mouth Urological: prostate swelling, nocturia (having to go to the bathroom in the night) Visual: blurred foresight or difficulty focusing

How can I find out whether it's Msg that's affecting me, or something else?

If you think you have a question with Msg, you may wish to try an 'exclusion' diet. Go for 3 weeks with no (or little) Msg. At the end of the 3 weeks, eat something that you know has Msg and see if your symptoms come back.

I can read labels - but what about eating out?

Most airline food contains Msg, unless you pick a vegetarian option. But be careful, even salad dressing can contain it. The fast-food restaurants use of Msg is as follows:

Kentucky Fried Chicken: all contains Msg Taco Bell: They claim that there is no Msg in any of their food. However, some Habitancy have reported symptoms after eating there. Burger King: The orchad Salad and French Fries are clear. all else contains Msg. McDonalds: orchad Salad with lite Italian Dressing is fine. Iced tea is fine. Apple pie is fine. all else contains Msg. McDonalds does have a faultless list of their ingredients in their restaurants. Msg is commonly found under the 'hidden names' in the list above.

Remember Msg is not a question for everyone, as far as headaches are concerned. But, it is good to be armed with knowledge, if you have carefully you need to avoid it.

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Tools You Need When beginning Your Own Gambling Website

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There is a wealth of data on the internet about gambling and betting. How to start a gambling website, what do citizen bet on, is a betting replacement best than a sports book or casino website, or do users prefer betting online rather than betting offline? What is lacking in many of these posts is not the data they supply on beginning a gambling website, but rather exactly where to start. So Where do you start, you ask? and how do you start? Would you want funding when reasoning of beginning your own gambling website? Are there legal pitfalls in running an online sports book or casino gambling website?

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Asking these questions is only a tip of the iceberg in knowing exactly what you are getting yourself into in running a betting replacement or any of the other gambling websites, but knowing the answers will best your opportunity or odds in running a successful online gambling site. So where do you start? You can search and search colse to the world wide web and fetch all the data (highly recommended) on beginning your own casino, running a proper betting exchange, or on providing a fair online sports book atmosphere to your users, but knowing exactly how to use this data is key in running your outfit.

Before we get into how to use the data you fetch properly, you may want to visit some of these places if you have not already done so: gambling forums, casino pages, sports website, news pages on gambling, pages on the "internet gambling regulation act" and how it will affect your online website, laws governing gambling and paying close attentiveness to the dates the country each exact data pertains to and so on.

By now you must be reasoning this is a bit to extreme. But ask yourself this: do you know what each gambler want, do you know what will make them use your site over the next Joe website. Simply put you need to know the things that will drive advertisers, sponsors to your site (funding) and most importantly what will drive users to your site. You can have the best house on the block but if not one knows about your house or you, well you get the picture.

If you have visited the suggested headings listed above and read up a bit more on gambling and the laws governing online sports book, casinos, poker rooms and betting exchanges and still wish to continue then read on my friend, you have gotten over the first hurdle. Now that we have you reasoning surface the box and have a best insight on what's in store for you lets tackle the first and very most important ask you would first need answered "Is gambling legal".

Now this is the most important because if you are reasoning of conducting or running a gambling website in a country, city, state, province, town, what ever it may be and its not legal. Like monopoly you will be fined or worst you will go directly to jail. Sorry boys and girls but we need to make one thing clear here being online company doesn't mean a thing to the government and the authorities. You will need to register a company or fetch a company license (not the same as a gambling license), you will need hosting and you will need a bank account to hold the money generated from your sports book, betting exchange, poker or casino website. So looking out if gambling is legal where will be running your company is very important.

To give you a best photograph of things 9/10 planning to run a gambling website have had to opt for an offshore operation. Why you ask? Well that certain of course. In places like Costa Rica there are laws in place for gambling, but there are no law against online gambling neither is there a need for a gambling license (more on gambling license later), but you will again have to do your research, if you are serious about running a sports book or any of the other gambling websites, get ready yourself to fetch information. Here is Tip #1 - Speak to a Lawyer (a reputable one if you can) they will shed a Lot of light on your situation and point you in the right direction.

So this brings us to our next question, licensing, and no its not your drivers license. A gambling license is required to run a betting exchange, sports book, casino, poker or any other gambling website most of the time but not always. This is why again you will need to do your research. But you know what they say, when in doubt get one. That was a joke Joe. If you are undoubtedly unsure speak to that lawyer friend that you spoke to in tip #1 about this and any other documents you may need to faultless this process, ask your local gambling or gaming authorities/associations in the jurisdiction where you plan to run your online gambling website for advise. So remember a gambling license is recommended but may not be required. Tip #2 Visit the local gambling authorities.

By now you should have gathered sufficient data to get you on the right track and keep you out of jail or worst a state prison.

Let us touch on a few more key areas on running your own gambling website. You will need some (the more the better) investigate and marketing to be done. But haven't you already gathered sufficient of your own research? No Joe. That was just data gathering, getting your feet wet, getting to know how the industry thinks. Don't assume anything. There are rules to every game, and yes there are rules to running an online company and especially a sports book, betting exchange, poker room or casino. Just because you know a miniature about running a website, the rules and strategies convert for each business, and you will without fail need to know about these rules if you are even dreaming of becoming successful in the online gaming and gambling industry. This doesn't mean visiting all those forums and readings were for nothing, they will without fail help when you are ready to run your advertising and marketing campaign, you will be more than glad that you did.

If you have not already done a company and/or marketing plan this will more than likely lead to the amelioration of one. Getting to know your target market, trends, location, gender, users' habits, wants and dislikes etc will all help you to become best aware of your strategies and help in your success. So hire a reputable marketing company or speak with a friend or someone in the marketing field that can shed a bit more light on your exact situation and point you in a best direction. You don't want to find out the hard way that the market you were targeting does not care much for gambling. Tip #3 Get proper investigate done.

This brings us to our next area of interest "staff or team". From your data conference and investigate you must have realized that ever if you may want to make this a one man show you will need a team or some sort of staff. Now a team does not mean you have to hire on a full time staff. Even big time giants like Microsoft, Ibm, Logitech contracts out from time to time. It just means you will need a miniature more than just yourself in certain areas. Even if you know the gambling world it would be wise to ageement some professionals in key areas (even if its for a miniature while) to show you some secret places you have not yet covered. You would without fail need a technical someone or a amelioration company that will be able to deal with any problems you may encounter, updates you may need for your website, programming you might require, designs you may want to give you that look and feel to set you apart from your competition etc. You will most likely need a bookie, bookmaker, (maybe more than one) who knows about bookmaking to set, update, get ready events, lines and odds on your sports book, casino, betting replacement or poker website. So a team or individual staff is without fail a must, but can be inexpensive if you plan properly and reconsider contracting. Tip #4 Put together a proper team.

Now we've touched a bit on your website, but what sort of website or software will you require. The next on our list will be Software. First ask yourself what sort of gambling website will this be; A full Casino, poker, Betting Exchange, sports book or best yet why not all? This is where your investigate and data conference comes into play, report ask questions, speak to your lawyer, and make a solid decision. What are the risk factors, who are my competitors, where do you get my line feeds from? Those are all questions that should have been included in your investigate and answered by now.

After that is located it is now time to select a amelioration company that specializes in online gaming (more exact online gambling). Most if not all would already have products readily ready that have been tested and will commonly do modifications to fit your needs, it is commonly more cost efficient than having a website industrialized and put together from beginning to end. Software can range in prices, expect to pay between Eur 10,000 Eur to Eur 60,000 Eur. Some places of interest may be: Playtech (Rated for their Casino software), E-Prompt C's BetMore - BetMore Software (Rated for its betting replacement & sports book software), Microgaming (Rated for their poker software). Tip #5 Get good software.

Well that should be it. But lets not forget the last and one of the most important on our list "Financing". Sports book, betting exchange, poker, and casino websites are by far the most costly company operations you can ever run, and this does not convert the facts for an online operation. You do not need a building, but you will need hosting, you do not need slot machines but you will need software, you do not need cashiers but you will need cost merchants and/or gateways. Speak to your lawyer, speak with your marketing and investigate team, they will give you pointers to get funding, you will without fail want money to run this company constantly, so find sponsors, investors that will partner with you unless of policy you have the cash and is willing to use your own money, Here is a hint you will need more than just Eur 500K Eur. Tip #6 Get funding.

So you see it's not rocket science but it goes without saying with my final Tip to you: "Don't fail to plan, it would only lead to you planning to fail".

Good luck!

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The Politics of Pension Reforms

Campaign Finance Reform - The Politics of Pension Reforms.
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The Politics of Pension Reforms Tube. Duration : 3.40 Mins.


We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from Campaign Finance Reform . Complete video at: fora.tv Journalists Mike Allen and Gail Collins weigh in on the debate over pension reforms. Collins argues for specific reforms in the area of disability payments, and criticizes alleged inefficiency in many public sector retirement systems. ----- The spring Perspectives with Peter Beinart series opens with an evening examining the new order in Washington. The discussion features Gail Collins, columnist for the New York Times, and Mike Allen, chief political correspondent for Politico. Peter Beinart is a faculty member at CUNY's Graduate Center and Graduate School of Journalism and a senior political writer for the Daily Beast. - CUNY Mike Allen is the chief White House correspondent for Politico. He comes to us from Time magazine where he was their White House correspondent. Prior to that, Allen spent six years at the Washington Post, where he covered President Bush's first term, Capitol Hill, campaign finance, and the Bush, Gore and Bradley campaigns of 2000. Gail Collins joined the New York Times in 1995 as a member of the editorial board and later as an Op-Ed columnist. In 2001 she became the first woman ever appointed editor of the Times's editorial page. At the beginning of 2007, she stepped down and began a leave in order to finish her new book: When Everything Changed: The Amazing Journey of American Women from 1960 to the Present. She returned to the Times as a columnist in July 2007.
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What Color Is Your Advertising? How Color principles Can Make Your Marketing More sufficient

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If you're planning a marketing or advertising campaign, color is sure to play a key role in the success of your venture. After all, it's pretty much the first thing your consumers will notice*, production color your best - and sometimes only - opportunity to get a message across.

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How is What Color Is Your Advertising? How Color principles Can Make Your Marketing More sufficient

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Use of color in most create for marketing and advertising is dictated by confident confident requirements; the need to reflect a specific brand, as well as the attempt to relate a confident mood dictated by the goods itself.

Company branding is pretty uncomplicated - specific colors dictated by logos and other devices will need to be incorporated into at least part of your design. It's the choice of color task for conveying the 'personality' of a goods that's often a lot harder to come up with.

Sometimes the decision is partly intuitive - most citizen understand even at a very basic level that bright, saturated colors will convey a distinct kind of mood to neutral grays or browns. Experienced designers, of course, go added still, choosing and implementing colors on the basis of their effectiveness in the overall design. Here, the guidelines of primary color theory often come into play as a kind of balancing act to ensure that all parts work together well and that the right kind of colors are used.

But what if some colors are positively more right than others?

We're about to embark on an exploration of color associated not just to its use in layout, but rather, the psychological and corporal impact it's likely to have on a viewer.

A big, and sometimes controversial undertaking, and we'll first need to get a join of things straight. While citizen often talk about a science of mind of color, in reality, most psychologists would find fault with the accuracy of this term. This is because the point given to discrete colors isn't universal and unchanging - in many ways it's quite the opposite: discrete cultures quite often associate the same color with very distinct emotions and ideas.*

Yet colors and their fundamental fabric of sociological and historical connotation positively do produce specific reactions in single contexts - emotions, associations and even corporal effects that can help advertisers in their quest for ever more literal, targeting.

And if this all sounds a bit hokey, at the very least, the idea that color can actively work on consumers shouldn't be disregarded entirely. So let's take a look at what colors seem to be telling us.

Red

Red, the most vibrant and superior of colors, seems like a good place to start. Particularly since studies have shown that it's the first color babies recognize, and one that continues to motion to most citizen throughout their childhood and into their adult lives.

At a purely symbolic level, it's the color of fire and blood, an connection that's base to all cultures and therefore very powerful. Less specifically, it's a color that seems to be associated with energy, war, danger and power, not to mention passion, desire, and love.

So what does that mean for marketing?

To start with, some of these associations are so deeply ingrained that it wouldn't be wise to use a color other than red to characterize confident states. Try depicting ultimate emotions such as violence or passion with shades of blue and you're going to run into problems.

What's more, it has been shown that in its brighter variations (tomato, pillar-box), red positively provokes a corporal response by raising respiration rate and blood pressure.

For this reason, its use in 'sexy' advertising scenarios or as an erotically charged statement (on lips or fingernails) should quite positively set hearts beating faster - and unusually, it's regarded as equally arousing by men and women.

Whether the physiological 'red effect' occurs naturally as a succeed of its associations; or because the color itself somehow provokes such a response; or, if, indeed, this succeed relies on a composition of the two isn't something that necessarily matters here. What is prominent is that red, like virtually every other color, exerts a measurable work on on the consumer.

More about the 'red effect'

Quite apart from any corporal reactions it might provoke, red's connection with force, and therefore power, is an very dominant one. Reconsider all the small details in our daily lives that retain this notion: red icons on switches to indicate their 'on' state, the plastic coating on 'live' wires, the tiny red glow that tells us an electrical appliance is working.

All of which makes red an ideal color to propose fast-moving action or ultimate force - examples of products that might fall into this category include computer games, action-adventure books or movies.

This deep-rooted connection with power, coupled with the fact that it positively raises metabolic speed, also makes red a good candidate for any goods that seeks to relate the idea of improvement, rapidity or corporal change. Just a few of many possible examples include anyone associated to sport or speed (think of those red sports cars), vigor drinks, self-help guides, or batteries. Even 'fast-acting' or 'powerful' over-the-counter drugs can retain their status with at least a dash of red.

Perhaps as a succeed of all that heavy breathing, red also increases appetite, production it an perfect choice for advertising food (it's popularly claimed that Chinese restaurants often use red color schemes for this reason, but there's minute truth in this - red naturally happens to be a very popular and 'lucky' color in Chinese culture).

However, if enticing diners to eat heartily is something you're aiming to do, an all-red environment is a good way to get stomachs rumbling.

Pink

Although it derives from red, pink has minute of its big brother's forceful qualities. In fact, although it's usually perceived as a warm and fairly upbeat color, it is, of course, popularly associated with femininity and even passivity. A cliche, perhaps, but its vigor-reducing credit has again been shown to have some basis in fact.

Famously, a shade of bubble-gum pink used in confident cells in a men's prison was unexpectedly found to placate aggressive inmates. Investigate corroborated the fact that pink did positively have essential calming qualities - although subsequent study revealed that after a confident time these effects were dramatically reversed as prisoners became more agitated and aggressive than before. (Surprised? You try living in a bubble gum pink environment).

Nevertheless, the fact that pink does induce at least a temporary sensation of calm makes it a superior factor in the color-coordinated approach to advertising. Its peaceful, relaxing qualities and normal evocation of ease and softness have long made it a popular for items such as toilet paper, cotton wool and 'gentle on the skin' toiletries, especially baby lotions.

This connection could maybe be explored added as a background or accent color for items where ease is key, such as bedding, sofas or carpets. Apply with caution, however - the strong connection with femininity means that anyone 'too' pink is likely to be snubbed by men.

There's one other area in which pink has an tantalizing effect, however - and one that's far less likely to alienate males. It's well known that a high attention of color in foodstuffs will lead consumers to believe they're tastier, or even recognize a flavor that isn't positively present.* And pink coloring is a particularly efficient way of suggesting sweetness.

This may relate to the fact that it's often used as a coloring in candies, but anyone the case, the connection is superior adequate to substantially increase a food's perceived sugariness or even depth of flavor. Pink sprinkles or toppings will add oomph to vanilla ice cream, and pink marshmallows are often assumed to be sweeter than white ones (they aren't).

Although in these health-conscious times sweet, sugary foods have lost much of their popularity, the marketing of confident products is still likely to advantage from a minute pink-appeal: feel-good desserts, ice creams, shakes and positively artificial sweeteners. It's also a color that could be used to make sugar-free, healthier foods seem more enticing to kids - as long as Mom and Dad are able to see straight through the ruse themselves.

Green

Occurring naturally as a sign of plant increase and renewal, green is one of those colors that's universally seen as positive, fresh and fertile. It's also a color that, once again, produces noticeable corporal effects. It's the easiest color for the eye to assimilate and therefore one of the most relaxing; it induces feelings of calm and restfulness, and can even enhance vision. In short, it's a very confident color indeed.

This emphasis on nature, freshness and reparation means that it's commonly used to emphasize the cleansing, 'regenerative' aspect of household items such as bleaches, detergents, air fresheners. But if you observation a confident irony in this, well-spotted, because green, of course, has steadily evolved into the sticker of all that's ecologically aware. Which isn't a label that applies to most cleaning products.

The overall acceptance of 'green' in its current sense is positively a fairly up-to-date phenomenon*, but with addition focus on ecological issues it's very superior and will only gain in strength. So much so, in fact, that real care needs to be taken now that use of green doesn't propose a goods is all-natural, organic or additive-free if it isn't. Congruity in advertising - or the view that what's implied about a goods should be supported by its reality - is one of the most vital aspects of marketing. Get this wrong, and there's no buyer forgiveness.

Yet despite green requiring caution in advertising, its current associations have equally led to opportunities for more refined targeting. Wholesome, healthy food items are likely to be swiftly identified as such straight through renowned use of green, and the same can be said for products or services associated with any type of healing, spirituality, or personal growth: yoga, slimming programs, alternative medicines.

Different greens, distinct meanings

Green is a symbolically involved color, and single shades transmit subtly distinct messages. Darker greens - the first-rate color of bank-notes and bills - have long held an connection with finance. The added implication of increase and fertility therefore makes green a good choice for promotion of many financial products, particularly rescue schemes, pensions and insurance plans.

Lime greens, which emerged as popular trend color in the '90s, denote an especially vibrant freshness due to their close connection to effervescent yellows. As such, they make perfect keynote colors for fresh, healthy, energy-inducing products such as juices, tonics, vitamin supplements and vigor drinks.

Finally, a added modern-day connection with green stems from its use in traffic systems to signify 'go'. This link with movement, transmit motion and vehicles make it a potentially good choice for anyone associated to transport: carriers, train networks, buses. And for online advertising, try using green for buttons or links you'd particularly like clicked - you're almost tantalizing a user to go ahead and do so.

Blue

Blue is by far the world's most popular color. And as one that, like green, occurs in nature - the hue of skies, water and sea - it's not surprising that it's so well loved. With such universal associations and overall appeal, blue is an prominent asset to any color theorist.

Unlike very warm colors, which provoke impulsive, passionate responses, blue is a cerebral color that's commonly associated with clear thinking and intellect. For good reason, too, as its use in offices and workplaces has been shown to dramatically increase productivity and a sense of well-being. maybe more surprisingly, other studies indicate that blue can even enhance corporal prowess - weight-lifters typically accomplish best in blue surroundings. However, this is probably a secondary succeed of its quality to sharpen concentration.

This connection with clear view and precision make blue a good choice for anyone tantalizing a high degree of involved manufacture, such as computing products, electronic goods or hi-tech appliances in general. Darker blues emphasize this connection even further, and their overall motion among men provide a perfect keynote for high-end, precision-made items with a masculine focus - costly cars, bespoke tailoring, luxury grooming products.

Given such a setting, it's no real surprise whether that blue emerges as a clear popular in the corporate world. Its implication of steadiness and speculate continue to make it an efficient choice for much enterprise branding, although its white collar associations can also propose stuffiness and conservatism.

In its lighter, brighter shades, blue loses much of its cool aloofness and takes on happier, sparkling and spontaneous overtones. The pure and natural aspect of such blues convey a sense of cleanliness and freshness and are often used for cleaning products, detergents, deodorants and toothpastes.

Bright blue is also an confident choice for the typical vacation. Evocative of cloudless skies and tantalizing pools or seas, it also gives a tantalizing taste of tranquility and free time by slowing down the metabolism and producing feelings of calm and well-being. A superior message indeed, and one that makes blue an equally efficient choice for health spas, beauty clinics and any other assistance where deep free time or therapy is a key selling point.

In fact, blue is such a flexible and well-liked color that it's almost impossible to mis-use - with one major exception.

Foods, particularly meats, dairy products and staples such as pasta or rice, positively don't advantage from any kind of connection with blue. To start with, that drop in metabolism will positively cut the appetite; but this doesn't clarify the fact that a blue/food combo can even induce feelings of nausea. (Try it. Add a minute coloring to pasta, white sauce, or even better, light-fleshed meat such as pork or chicken. See how far you get before pushing your plate to one side).

It's been suggested that we instinctively associate the color with something that's rotten and unsafe to eat, but anyone the case, it's not a great choice for marketing a ready-meal. And if you find yourself running low at your next evening meal party, bring out the blue plates. There won't be many requests for second helpings.

Yellow

Yellow is clearly vibrant, energetic and fun - it's the color of sunshine, flame and fire and is closely associated with warmth, happiness and the confident vigor such states create. It produces corporal responses that are perfectly in retention with this reading, too; an instant feeling of well-being along with a noticeable boost to thinking activity.

For this reason, it's a color that effectively communicates the nature of products associated with vitality and stimulus, such as vigor drinks, sports equipment, vitamin supplements or remedies. And as the perfect feel-good color, it's a great choice too for promoting group free time activities, clubs and social networks.

Visually, yellow has a high impact that's hard to ignore, a fact reflected in its use for items such as sticky notes and highlighter inks. Since it demonstrably sharpens attention, too (back to the notes and highlighter pens!) it's worth inspecting lighter yellows as a background for large amounts of text, especially copy that requires close attention such as tutorials, instructions, or rules and regulations.

Yellow does requires a confident whole of care, however. Very light yellows can often appear drab, especially on-screen, while brighter shades tend to come to be overpowering.

The yellow succeed is an intense one, and its enervating qualities can swiftly put citizen on edge. Yellow rooms make babies cry more, and they also provoke hot tempers and arguments. And finally, while it's a color that can be used to shop most products to women - from washing up gloves to costly scents - men are far less likely to appreciate its use with costly or luxury goods.

White

Pristine and pure, white appropriately signifies cleanliness, spiritual health and, of course, Syn. Clearness in most cultures. It's considered a non-color to which nothing has been added, production it an ideal choice for products wanting to accentuate their unadulterated, un-tampered with goodness: no-frills items, reduced fat, low-sugar or no-additive foods, pure juices, skin-care products.

White is also the first-rate 'clean' color, providing the easiest way to add a sense of uncluttered spaciousness to print or screen graphics. Yet its connection with cleanliness and hygiene (white clearly shows dirt so is commonly used in hospitals, for example) lends it a confident clinical quality that can deprive a marketing message of warmth or even context. For this reason, it's best used with an accent color to join the best of two worlds - the optic clarity of white and the emotional resonance of a considered chosen highlight.

Remember, too, that on-screen, the composition of light-filled white with black text is fairly hard on the eye. Try choosing a tinted background for large quantities of copy (yellow is often a good choice, as mentioned above) or convert the color of the text itself.

Black

Although in western culture the color black positively holds some negative linguistic connotations (black magic, black market) it's also very positively associated with authority, credit and exclusivity (black tie event, black credit card, black mercedes).

A slightly confusing message, but in general, black can be used very effectively to denote cool sophistication and a superior sense of ultimate luxury or expense.

Pair this with the fact that visually, it's a color that creates a real sense of depth while also focusing the attention more thoroughly than white, and black makes an ideal backdrop for images of luxury goods or services such as high-end hotels. Men seem to respond particularly well to such a composition - maybe because it's also been shown that for guys, black is a color with marked erotic overtones (combine it with red and you're onto a testerone-charged winner that's bound to attract male attention!)

Black is also by far the most base text color; perfect in print, although on-screen the dissimilarity with white can often seem harsh. A good tip is to Reconsider using a very dark gray instead. And colored text against a black background is rarely a good idea except in small areas, as black backgrounds diminish readability and will swiftly tire viewers.

Orange

With Its composition of energetic reds and feel-good yellows, orange is a color that's clearly suggestive of fun, warmth and pleasure. And like its constituents, orange exerts an invigorating succeed by addition oxygen to the brain and stimulating thinking activity. It's therefore an perfect choice for any goods associated with vigor and vigor, such as sporting equipment or services, adventure holidays, theme park rides, vigor drinks.

Think you've read something like this before? Well in fact, orange can relate very similar messages to red, but importantly, without its slightly aggressive edge.

Of all the colors, orange is also the best at stimulating appetite. So good in fact, that you may observation a lot of it in the snack or candy shelves near a checkout. Strategic thinking, because the orange quality to originate sudden hunger pangs will often lead to impulse purchases.

Yet orange, particularly in its brighter shades, is also a color that's perceived as lacking prestige. maybe this is because its high visibility means it's a frequent factor in motel signs, fast food outlets and similar 'low-frills' businesses, but anyone the reasons, it's a color that's come to be associated with lower-budget options and shouldn't be used extensively for products wanting to relate a high quality message. (The opposite also holds true, however, production it a very good choice to indicate value for money, savings and discounts).

Purple

Mysterious, alluring, and very right on regal, purple is a relatively uncommon color in nature. In the antique world, its scarcity meant that it was very valued, and rare, costly purple dyes were used exclusively by nobility.

This connection with wealth and credit remains to this day, production purple, especially in its darker shades, an perfect complement to luxury items.

In fact, the connection with price is so strong that it can even be used to add a touch of instant class to cheaper products. For example, a bus enterprise using purple livery would almost positively be perceived as more luxurious than one using orange. The risk here, though, is that the consumer's perception of comparative price might also rise accordingly - even if fares are identical.

Purple secrets

Purple also has some tantalizing hidden talents. It's been noted, for instance, that many women find it an very erotic color, production it the female equivalent of the guys' libido-enhancing black.

In fact, purple turns out to be a very girly color positively - far more so than pink, the usual suspect. It's a specific hit amongst young and juvenile girls for example, with some studies claiming that almost 75% rate it their popular color. So while men seem fairly neutral about purple, if you're finding for a color that speaks directly to the ladies, this may well be the one to choose.

Brown

And what about the guys? Well if you tried to guess, chances are you'd get it right. Brown, along with blue, is consistently voted a popular color by men. And why not? Solid, earthy, dependable; it might lack the zing of the brighter primaries, but it resonates with a sense of trustworthiness and dependability. And if that's the kind of message you're finding to add to your marketing strategy, brown is often the right color to convey it - especially of course, if the product's aimed specifically at males.

An tantalizing off-shoot of all this earnestness is the fact that brown is often claimed to be a very 'believable' color, too. In other words, it's more likely to add credibility to an advertising message - an prominent factor if your transportation makes claims that may seem extravagant.

Bear in mind though, that if used too extensively brown can also have a stodgy, dampening effect. And anyone message your marketing is ultimately trying to convey, its main purpose is to stimulate adequate optic interest to attract and excite instant attention.

But even in this respect, brown turns out to be pretty dependable: it positively converts into lighter and darker shades without losing depth, and can also be mixed with more dynamic colors - reds, yellows, oranges for a much more upbeat feel. So use the color recommendations given here to spice up a brown accordingly.

Planning an ad for well-made, hard-wearing, yet sporty gear for guys? Brown combined with a hint of red should give just the right message.

Footnotes

* While images are commonly more noticeable than flat blocks of color, they are, of course, usually dominated by a single color in order to enhance and retain an overall layout.

* One example would be the use of white clothing to signify mourning in India and many parts of Asia. In this article I'm focusing on color in the context of western culture.

* Numerous studies have shown that higher levels of coloring in food or drinks leads to the trust that they are stronger in taste than identical items with less color. Assumptions with regard to color-taste correlation can even cause errors when identifying flavor; for example, a cherry-flavored drink colored purple may well be identified as grape.

* The color green has long been a sticker of ecologically motivated political parties and movements, but it's only in up-to-date years that this meaning has come to be thoroughly mainstream straight through overall media emphasis on global warming and other ecological issues.

* Oddly enough, red in this context don't seem to provoke a 'stop' response and will also work well for buttons, particularly if a quick decision is required. Green, however, will always be perceived as a less risky click.

References

Bellizzi, Joseph A., Ayn E. Crowley, and Ronald W. Hasty (1983), "The Effects of Color in Store Design," Journal of Retailing, 59 (1)
--, and Robert E. Hite (1992), "Environmental Color, buyer Feelings and buy Likelihood," science of mind and Marketing, 9 (5)

Birren, Faber (1978), Color and Human Response, New York: Van Nostrand Reinhold.

Gorn, Gerald J., Amitava Chattopadhyay, Tracey Yi, and Darren W. Dahl (1997), "Effects of Color as an Executional Cue in Advertising: They're in the Shade," management Science, 43 (10)
--, and Patricia C. Smith (1959), "A theory of Color Preferences," American Journal of Psychology, 72 (4)

Hall, Richard H., and Patrick Hanna (2004), "The Impact of Web Page Text-Background Colour Combinations on Readability, retention Aesthetics and Behavioral Intention," Behaviour and information Technology, 23 (May/June)

Hevner, Kate (1935), "Experimental Studies of the Affective Value of Colors and Lines," Journal of Applied Psychology, 19 (2)

Jacobs, Keith W., and James F. Suess (1975), "Effects of Four Psychological primary Colors on Anxiety State," Perceptual and Motor Skills, 41 (1)

Madden, Thomas J., Kelly Hewett, and Martin S. Roth (2000), "Managing Images in distinct Cultures: A Cross-National Study of Color Meanings and Preferences," Journal of International Marketing, 8 (4)

Meyers-Levy, Joan, and Laura A. Peracchio (1995), "Understanding the Effects of Color: How the Correspondence between ready and Required Resources Affects Attitudes," Journal of buyer Research, 22 (2), 121-138.

Middlestadt, Susan E. (1990), "The succeed of Background and Ambient Color on goods Attitudes and Beliefs," in Advances in buyer Research, vol. 17, Rebecca Holman and Michael Solomon, eds., Provo, Ut: connection for buyer Research,

Schaie, Klaus W., and Robert Heiss (1964), Color and Personality, Berne, Switzerland: Hans Huber.

Schindler, Pamela S. (1986), "Color and dissimilarity in Magazine Advertising," science of mind and Marketing, 3 (2)

Wilson, Glenn D. (1966), "Arousal Properties of Red Versus Green," Perceptual and Motor Skills, 23 (3)

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Wednesday, June 27, 2012

Rhode Island General Assembly debates a federal Constitutional Convention: Fix Congress First

Campaign Finance Reform - Rhode Island General Assembly debates a federal Constitutional Convention: Fix Congress First.
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