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Business/Technology Editors BURLINGTON, Mass.–(BUSINESS WIRE)–Sept. 19, 2000 Genuity Inc. (NASDAQ:GENU) today launches a $20 million global marketing campaign — including the companys first-ever television advertising — to support the introduction of its innovative new Network Services Platform (NSP), Black Rocket(TM).

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The craze for litigation based on whiplash - neck - injuries lasted through the Sixties and Seventies. Insurance companies paid out billions of dollars to claimants who were inventing their injuries entirely or, at best, creatively exaggerating them. But the whiplash phenomenon was just one small part of an unpublicised American industry: a criminal underworld devoted to the faking of personal injuries. This is not a book about a few slippery lawyers and doctors conspiring with greedy accident victims to talk up their symptoms and prognoses in order to exact additional compensation. Those scams exist but are the small beer of the trade. What Ken Dornstein describes in Accidentally on Purpose is a veritable gangland of ruthless, sophisticated operators using modern methods to defraud insurance companies out of huge sums. Here is one example: the “capper” is the planner, the choreographer, whose job is to stage an accident that will look like the real thing and lead to multiple claims. He hires “dummies”, the victims, often poor Hispanic immigrants. For as little as $100 each, they will pack into a car (”the squat car”) that they know will be involved in an accident. The capper then hires a specialist driver whose job is to provoke an innocent trucker into crashing into the squat car. The logistics are carefully planned: where, when and what kind of impact is required. The accident achieved, the dummies file their injury claims with the help of dishonest lawyers. Of course, they dont receive a cent of the proceeds. Occasionally, the staging goes wrong and the dummies are hurt badly or even killed. Recently, an attorney who masterminded these “swoop-and-squat” operations was indicted for his part in the death of a passenger in a squat car. Dornstein started his career as a private investigator in Los Angeles, looking into suspicious accidents. His book describes dozens of varieties of contemporary scams. But his exhaustive historical trawl is even more intriguing. The sheer imagination and expertise of some past fraudsters is impressive. In the early, jolting days of rail travel, there was “railway spine”, an alleged injury caused by sudden movements. “Slip-and-fallers” have been around for a century: “Banana Annie” carried her own peels for slipping on. One frequent claimant was capable, at will, both of dislocating her bones, and of haemorrhaging. Another regular had the advantage of a neck which, under X-ray, always showed up as broken. During the Depression years the fad was for self-mutilation, with the cleverer claimants managing to cash in from several companies on the basis of one “accidental” amputation. Along the way, Dornstein divertingly investigates the terminology of his subject. The term “ambulance chaser” - originally not the lawyer, but his tout - entered the language in the 1890s and was in common use by 1910. Shyster, to mean a dishonest lawyer, did not come, as is usually believed, from the nefarious activities of Sheuster, a New York attorney; Dornstein has discovered an earlier use and, besides, can find no trace of the existence of Sheuster. Accidentally, on Purpose contains a great deal of information which has never before been assembled, on a topic which has never before been so scrutinised. Dornstein has done prodigious research (his references amount to 70 pages) and does not always resist the temptation to tell us too much. On the other hand the book is clearly written, contains many interesting and obscure facts, and provides an insight into yet another, hitherto secret, crooked world.
Ambulance pact extended 5 years Shawnee County commissioners approved a five-year extension Thursday to a contract with the countys ambulance provider. Commissioners voted 3-0 to keep the countys subsidy at the current level of $518,957 for Greenwood Village, Colo.-based American Medical Response but to permit AMR to raise its user fees by 12 percent. AMRs base rate consequently will rise to $629 from $562 and the mileage charge will jump to $11.09 per mile from $9.90, according to figures provided by AMR attorney Tuck Duncan.

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For women only Women can learn about heart disease, menopause, infertility and other health issues at a Womens Health Fair, 10 a.m.-2 p.m. Saturday at Chapel Hills Mall. Sponsored by Memorial Hospital, the health fair will include $5 bone-density screenings for osteoporosis for the first 400 women. Women also may talk to a nurse about breast self-exams.
Symposium: Theoretical Basis and Effectiveness

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The study found that chick embryos exposed to alcohol had eight times the number of cancer cells than those exposed to saline. The alcohol-exposed embryos also developed larger, denser tumors.
Cancer is a group of many related diseases in which abnormal cells grow out of control and spread.

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Ratinoff as a director of fund investment management. Ratinoff will specialize in real estate acquisitions for the western United States. Ratinoff has held senior positions focusing on real estate investments with McDonald Investments, Chase Securities and BT Alex. The San Diego chapter of the Institute of Real Estate Management has elected the following individuals as members of its 2005 Executive Council: Nancy Eagle, Harman Asset Management; Pele Wylde, Burnham Real Estate Services; Eddie Goldberg, Sea Property Management; Renee Savage, Capital Growth Properties; Harry Gersten, Union Bank; Carolyn Perriga, Transwestern Commercial; Jim Tostado, Hibiscus Investments; Wade Walker, Griswold RE Management; Sharon Eastman, Realty Executives; and Elizabeth Bzchmann, ConAm Management. The 2005 council members will be installed Nov. 11.
Noonan has nine years of experience in sales and marketing, specializing in North County coastal neighborhoods.

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Town and Giants chairman Ken Davy was honoured at last nights awards. Mr Davy was named winner in recognition of his achievements in the worlds of finance and sport. The award was presented by Jeremy Garside, managing director of awards sponsor Chadwick Lawrence, who hailed Mr Davy as a problem solver, a wealth creator and a substantial employer. He said: He is a man who has built up a substantial business not once, but twice.
Creative Enterprise Award Chameleon Digital Media Website design company based at Armitage Bridge Design Junkie Ltd Graphic design business, of Shepley
The closing date for entries is Friday, October 20.

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Industrial Commercial Real Estate Women of New Jersey announced that Susan J. Strauss has been appointed as the organizations president for 2005. Strauss list of clients includes such firms as Ford Motor Company, INVESCO and Mary Kay Cosmetics.
One year ago, the outlook for New Jerseys commercial real estate market was decidedly bleak. Still, the investment market provided the one bright spot in an otherwise dark picture. Surging capital markets–a reaction to negative returns in the stock market and attractive interest rates–generated a steady flow of money, countering underlying fundamentals. All of these factors, combined with the job growth economists expect to occur during the second half of 2003, have generated cautious enthusiasm among industry players. Throughout the transition of fundamentals, the investment market has continued at a brisk pace. Last year, our group completed $1.2 billion in sales. This year, we are on the same pace as 2002, which is nearly double our typical production.
According to Stanley Simon, SIOR, chief executive officer of Newmark JGT, While there has clearly been a slowdown in the economy, which began before the Sept. 11 tragedy, the commercial real estate markets fundamentals still remain strong, and in fact, have created opportunities for tenants, investors, developers, and service providers. Simon points to the lack of new spec development, a more balanced market for tenants, and moderate price adjustments as key factors n the markets underlying strength. The slowdown in the national economy and depressed corporate earnings have hit the New Jersey commercial real estate market during this first three quarters of 2001, he said. However, these effects have not been dramatic, and pale in comparison to the downturn of the mid 1990s and late 1980s. In fact, the correction in the economy has created a more balanced commercial real estate market for tenants who are finding it easier to relocate or expand within the state. According to Newmark JGT, the trends in the office market in New Jersey in 2001 have been reflected in a moderate decline in average asking rental rates. Meanwhile, the overall vacancy rate has increased due to the negative absorption of more than 2 million SF of space in the New Jersey market, which can be attributed to new sublease space returned as a result of corporate restructuring. Of the more than 20 million SF of office space available, nearly 25% is sublease space. The vacancy rate for space on the market from landlords is well under 10%, a comparatively sound vacancy rate for a suburban office market the size of New Jersey.

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WE CONFESS TO SKEPTICISM when the University of Arkansas sent a press release saying the school would be making an announcement of epic proportions. Exaggeration being common in press releases, we initially suspected that four previously undiscovered parking places had been identified on campus. Its been Chancellor John Whites goal ever since coming to the university to turn it into a nationally competitive research university. And thats exactly what this gift can help do. This unprecedented generosity from the Walton family will transform the University of Arkansas for our students and faculty and in the process position us to serve as a powerful engine of economic development and cultural change for the entire state, White said. What the Walton family has done today will improve life in Arkansas for generations to come, and we are grateful beyond words.
–(St.) Lou Ella Hickman Corpus Christi, Texas
Gifts 15 East 26th Street, 15th floor, New York, NY 10010

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Arsonists have destroyed a speed camera. Motorbike tyres filled with petrol had been put over the camera and set alight.
A villages CCTV camera, funded by the council, is out of action. The camera was funded through a joint project led by Corbridge Parish Council.

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Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.
Mary Skiffington has joined the fine homes residential division of Cassidy Associates Real Estate, Inc. Peter Middleton, real estate sales agent for RE/MAX of La Jolla, has been ranked among the top 100 RE/MAX sales agents in California for sales volume from January to June 2002. Gina Drucker and Karen Pado have joined RE/MAX of Rancho Bernardo as a real estate sales team. International Real Estate has added Eric B. Shwisberg as vice president and general counsel.

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The Asia-Pacific region is projected to be the fastest growing organic foods and beverages market.
Chicken Four and a half million organic chickens were sold in Britain last year in the fastest growing area of the organic food market. All Soil Association-certified birds roam grassland in low density flocks of 500, or up to 2,000 in restricted cases. The EU currently allows as many as 9,000 organic poultry to a shed. Free range birds can be farmed in flocks of up to 12,000, while non- organic hens may be bred in groups of 40,000. Studies show that small flocks reduce stress-related behaviour where chickens pull out each others feathers. The extra land and labour required are reflected in the higher prices.
To some, the driving forces behind processed foods are the antitheses of those behind organic foods. However, environmentally friendly organic farming practices would be encouraged if its output found a broader market in prepared foods.Organic pizza and TV dinners are now on the grocery shelves. Perhaps the trend may go too far and someone will attempt to market an organic Twinkle, muses Breene.A quick look at a Twinkles label illustrates the range of challenges. Ingredients such as wheat flour, soybean oil and corn starch - used at millions to billions of pounds per year - would need to be derived from crops grown in fields sans pesticides, herbicides, or synthetic fertilizer for three years. And, with ingredients from genetically modified (i.e., recombinant DNA) crops not allowed, the seedcrops themselves must be kept separate through the growing, storage, and processing distribution system.

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In 2 randomly selected groups of healthy college students, mean sIgA increase was 32 mg/dl in the group experiencing 17 minutes of focussing on immune system imagery and a music tape vs. a rise of 16 mg/dl in quietly sitting controls (plt;.0001). Instances of tachycardia, breathing problems and bruxism decreased significantly in the imagery group vs. no change in controls. COMMENT: Immune measures changed quickly here in only 17 minutes. This emphasizes the lability of the responsiveness of the immune system. We also see here the influence of music. The influence of different types of music has also been extensively studied, with different varieties of music having different effects. We physicians should probably pay attention to the contribution to the healing atmosphere of our waiting rooms by carefully considering the background music.
If anyone should be an inspiration to the legions of non-Latin Europeans dutifully signing on for GCSE salsa classes, Larry Harlow should. Jewish, and the son of a band leader and an opera singer, Harlow veered abruptly towards Latin street music, rather than jazz or the classics at the Music Art High School in New York in the 1950s. “We were right beside Spanish Harlem - I used to listen to the music in the Latino grocers shops.” In the 1960s and 1970s his novel rearrangements of trombone, trumpet, violin and flute sections moved him to the centre of New Yorks Latin scene, working with artists like Johnny Pacheco, Ray Barreto and Willie Colon, the generation whose tough new hybrid sound first came to be called salsa. Harlow was the first artist to be signed by the seminal Fania label, co-wrote the Latin rock opera Hommy (Mark 2 version on the way), played for the famous Mohammed Ali-George Foreman fight in Zaire (a fiasco: everyone came for the fight, not the concert). The last decade has been spent with his own band touring the world. Last year conga ace Ray Barreto had the idea, inspired by the “fantasy band”, an ad hoc group of jamming jazz stars, of reconvening Harlow, himself, singer Adalberto Santiago and cuatro player Yomo Toro as the Latin Legends Band. Thus Harlow makes his first ever London appearance on Saturday (Barreto is a regular performer and Santiago was here last year). No longer a breath- bating prospect, perhaps, but a most intriguing one.

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What odds an action replay?
[ILLUSTRATION OMITTED]
Might the Granite Board of Educations vote to invest future tax dollars to revamp the Cottonwood Mall property stem efforts to split the school district? Granite District last summer was under threat of being divided along east-west lines after the board voted to close two east-side schools. East-side split backers said the school district had grown so large — 68,000 students, Utahs second-largest school district - - that their needs were vastly different from the wests, and their voices largely unheard. The issue is on the back burner, said South Salt Lake City Councilman Bill Anderson, a member of the small school districts coalition.

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Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Mary Skiffington has joined the fine homes residential division of Cassidy Associates Real Estate, Inc. Peter Middleton, real estate sales agent for RE/MAX of La Jolla, has been ranked among the top 100 RE/MAX sales agents in California for sales volume from January to June 2002. Gina Drucker and Karen Pado have joined RE/MAX of Rancho Bernardo as a real estate sales team. International Real Estate has added Eric B. Shwisberg as vice president and general counsel.
Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.

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Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.
Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Real estate practice is a broad and widely defined area of the law. In a pristine sense it deals with the esoteric subject of real property law and titles. In practice the subject matter handled by real property lawyers is much broader. Many of the areas of law within real estate practice are areas of specialty themselves. Real estate lawyers examine and evaluate real property titles, handle real estate sales, purchases and other transactions, foreclose mortgages, represent developers and contractors in drafting and negotiating development and construction agreements, handle real estate financing, structure and draft the governing documents for planned developments such as condominiums, serve as counsel to community and condominium associations, draft and negotiate leases, litigate title, boundary, and other land disputes, and advise clients respecting zoning and land: use matters. The examination of real estate titles requires knowledge of corporations and other forms of business organization, wills, trusts and estates, and a practitioner handling transactions must understand contractual, business, and tax subjects as well. The subjects that are tested on the certification exam attest to this diversity. They are title issues; real estate finance; environmental and land use; condominiums and homeowner associations; landlord tenant; closings; sellers, buyers, brokers, and title insurers; real property litigation; taxation of entities and other tax issues; and ethics. Some hold an impression that at least some aspects of the real estate practice are not challenging, that the practice is increasingly title company, form, and paralegal driven, and that when business is light any lawyer with a good paralegal can Ado real estate closings. This impression is not accurate. As with any area of practice, successfully representing clients in real estate matters requires knowledge, skill, and experience. The diversity in real estate practice may mean that no one lawyer can be an expert in each practice area encompassing the modern real property practice or that are tested by the certification program. That, however, is not a reason to not seek certification. The committee recognizes that few lawyers are likely to possess specific and detailed expertise in each of the many subjects that fall within the scope of real estate.

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12 supplements that help us stay young and healthy Do you know what epigallocatechin is? Or singlet oxygen and peroxynitrite? Ever heard of alpha-lipoic acid and ORACs? This seemingly foreign language is the key to your health. But it doesnt have to be foreign. What are these invisible friends and foes anyway? Without the right protection, the Tin Man in the Wizard of Oz would have rusted away. And without antioxidants protecting us from the relentless attack of free radicals, we would rust on the inside, develop disease, and die young. While practically everyone wants something free, you certainly dont want these. Free radicals are vicious molecules missing an electron in their outer shell. Most are toxic forms of oxygen molecules. These unstable gangsters steal electrons from healthy cells, rendering them “biologically rusted,” damaged, or destroyed. Free radicals spawn from environmental pollution, toxins, pesticides, chemicals, sunlight, radiation, food, drink, and metabolic activity in the body. These injurious free radicals destroy living tissue and fluids. They rapidly accelerate the aging process, severely damaging the ability of the immune system to battle unwanted pathogens (e.g. bacteria, viruses, and parasites) that enjoy invading your body. According to noted biochemist Richard Passwater, Ph.D., free radicals are “biological terrorists” of the human terrain.
> Oasis Wellness Network, Broomfield, CO, has launched Ageless[TM], an anti-aging supplement that contains a blend of four patented and proprietary compounds designed to provide nutritional support for enhanced energy, stress management and increased comfort as the body ages. The product contains Energetix[TM], a proprietary 3-ginseng combination that supports energy production; Serenix[TM], an exclusive natural plant extract that helps reduce stress and maintain a healthy mood; Protectin[TM], an herbal complex that helps the body from running down and Maxcell[TM], a patented aloe-based compound designed to facilitate the absorption of nutrients into the bloodstream.

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Concepts in Dental Public Health
Nathe CN Prentice Hall Upper Saddle River, New Jersey 2001 316 pages; illustrated; indexed; softcover ISBN: 0-13-085157-4 $43.33 The chapters are divided into four units, with the first unit acting as an introduction to dental public health that includes the historical development of the dental hygiene profession (very interesting) and reminds readers that dental hygiene is the only health care profession that is truly focused on preventive health care as its foundation. There is information on dental care delivery in the United States and in other countries, and also a discussion of the legislative issues that affect dental hygiene practice around the world. Unit II addresses dental hygiene health programs by discussing target populations, educating and promoting oral health, developing lesson plans for various targeted groups, and oral health care program planning, which emphasizes the importance of careful assessments and effective planning. The next unit studies dental research and the importance of evaluating scientific literature and oral health products. It stresses that dental hygienists recommend products or treatment modalities based on documented evidence. It further states that dental hygienists must be able to understand advertising mechanisms and effectively critique published research, so that the public receives accurate information. It then offers the how-tos and where-tos of evaluating advertisements and scientific literature. The last unit addresses dental hygiene positions in public health programs and includes sample test questions for a dental public health board exam.

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Nissan is looking to North America for short-term relief from the Asian flu. “A major goal of Nissans plan to reform its business operations globally is a resurgence of its business in the United States,” says Minoru Nakamura, president of Nissan North America in Torrance, California, who also has served as president of the Tokyobased parent company since October. One way the company will both weather the regional economic storm and become more globally competitive is by rationalizing model designs, Nakamura says. Nissan will reduce its 25 basic vehicle platforms to 14 by 2001 and then to 10 by 2003.
The Board of Directors delegated all the necessary powers to the Chairman of the Board, President and CEO, Carlos Ghosn, to conduct any discussions and negotiations on this matter.
Despite its compact size, the new stack has a power generation capacity of 90kW, an improvement of more than 40 per cent compared with the 2003 stack, giving the all-new FCV a top speed of 150 km/h (93mph).

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The Best of Wedding Photography, 3rd Edition
Company Shares Top Findings from Bridal Photography Survey Along With New Wedding Inspiration Center and Photo Book Design REDWOOD CITY, Calif. — Shutterfly, Inc. (NASDAQ:SFLY), the leading Internet-based social expression and personal publishing service, today announced the results of a nationwide survey to help brides of all ages capture, share and preserve the memories of their wedding day. Not surprisingly, 84 percent of brides-to-be plan to hire a professional photographer for their wedding, according to a survey conducted for Shutterfly by MH, Inc. According to the survey, selecting the right photographer was one of the most stressful parts of the wedding planning. Some of the least stressful decisions? Choosing the date, the cake and first dance song. Our customers tell us that choosing a trusted wedding photographer can be difficult, so we have devoted a section of our newly launched Wedding Inspiration Center specifically to help guide brides through this decision process, said Kathryn Olson, chief marketing officer of Shutterfly.
Business News Editors/City Desks ————————————————–

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I. INTRODUCTION This study empirically examines person-to-person transactions within the Internet market known as eBay. In this virtual market of unseen participants and products, buyers and sellers face the risks of repudiation, as the counter party may deny the agreement after the fact. Buyers assume risks associated with lack of seller integrity and asymmetric information about the particular product, as the buyer is typically required to send payment before the seller ships the product. In addition, for many eBay transactions, the cost of enforcing a contract is high relative to the transactions value, resulting in a practical absence of legal enforcement. (2) By providing a history of trade execution information, eBay benefits market participants by reducing information asymmetries while achieving substantial transaction cost economies. Market participants relate personal experiences, which eBay uses to calculate a numerical reputation measure for each user. Market participants, in turn, can use this reputation measure to assess counter party risk and adjust bidding behavior accordingly.
E-commerce today is enjoying the fastest growth rate of any business sector because, among other things, it is fast, convenient and cost-effective! Consider just a couple of examples I heard a consultant from Arthur D. Little present recently on CNBC: 1) A typical banking transaction, which costs one dollar, will only cost one cent when conducted over the Internet! 2) A typical brokers transaction, which costs $150, will only cost $6 when conducted over the Internet!

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Business Editors Limousine Chauffeured Transportation (LCT) magazine announced its Operators of the Year at the LCT Show in Las Vegas Tuesday night.
A San Diego limousine operator has been named as the Operator of the Year by the International Taxicab Livery Association. Limousines by Linda was chosen last month from hundreds of livery services and taxicab companies in the international group. A press release from the ITLA highlighted the local operators commitment to quality, going as far as to install Global Positioning Satellite systems in all company vehicles. Jon P. Chester, president of Limousines by Linda, founded the company in 1987 after being disappointed with the quality of limousine service in San Diego, said Gaynell Jennings, operations manager for Limousines by Linda. By marketing itself as a boutique ma department store-like market, the, company brings a level of personal service not found at other companies, Jennings said. Other factors in the selection were extensive, preventive maintenance on the vehicles and fax or computer verification of reservations, she said.
Significantly modernizing and expanding the companies fleet of vehicles, introducing a variety of new corporate packages, offering round-the-clock service countywide, and hiring a professional corps of additional chauffeurs are just a handful of the goals currently being implemented at Presidential Limousine, which was acquired out of bankruptcy last month by San Diego businessman John Thill.Thill, who owns several other companies and has been conducting business locally for more than 20 years, said he will improve on the quality service already offered by Presidential, which has been operating in San Diego since 1979 and was recently voted Best Limousine Service in a San Diego Union-Tribune readers poll. Thill said the mission of the new company is to provide superior, luxury transportation to businesses and private parties, delivering the highest level of safety and customer service.Computerizing Presidential Limousine and providing chauffeurs with the latest cellular technology is one of the first steps being completed.This will ensure on-time, prompt service for customers, and allow chauffeurs to be in contact at all times, noted Thill. Chauffeurs will even track airline flights for possible delays or other scheduling matters.

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During the 1880s and 1890s, L. Prang and Company and other American firms occasionally incorporated colonial themes in the designs of their Christmas cards, [2] but between 1900 and the outbreak of World War I, German publishers largely took over the American market for greeting cards. Their most prominent products were chromolithographed postcards that were well designed, beautifully printed in vibrant colors, and embossed for greater effect. The imagery was intentionally broadly appealing because the cards were sold internationally, with holiday greetings printed in the language appropriate to each market. Justly popular, they provided exceptional aesthetic value for trifling cost. World War I brought an embargo on trade with Germany and an end to German domination of the American greeting card market. American publishers new marketing opportunities coincided with the emerging interest in Americas colonial past. Americans once again began sending cards made in the United States for the domestic market. Although Christmas has ancient roots, most scholars agree that the modern Christmas is largely a creation of the nineteenth century. [3] Victorian Britain can claim responsibility for two staples of todays holiday: A Christmas Carol (London, 1843), the compelling tale of spiritual rebirth by Charles Dickens (1816-1870), and the commercial Christmas card, which first appeared in London in the same year. [4] Victorians on both sides of the Atlantic were immensely fond of Christmas cards to judge by the tens of thousands that still survive. By todays standards, however, Victorian Christmas cards were not very Christmassy. Seasonal and religious images were in the minority, and the most common subjects were summer flowers, followed by a profusion of other subjects. [5] In the early twentieth century, card publishers began to standardize or conventionalize Christmas card imagery. Most of the cards sold today are variations on themes introduced seventy to eighty years ago.
Sir: If the Prime Minister and Mrs Blair wish to keep private the names of those who receive Christmas cards from them (Pandora, 8 March) the solution is very simple. They should pay for these cards and the postage on them out of their own taxed income, as other people do, and not charge the cost to the taxpayer. If the taxpayer pays, then the Freedom of Information Act must apply. Reading
Online Christmas cards will save you the hassle of hunting for stamps, and you can send them on the day. While no-one would willingly exchange an empty mantelpiece for a full inbox, they can be the other only realistic option, especially for overseas cards sent late in the day. To send the card, simply fill in your e-mail and that of your recipient, add a personal message (which you can spell-check). You can even add a photo if you like.

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Lear Corporation and BERU Group said they have signed an agreement to jointly design and develop tire pressure monitoring systems for the global automotive market. Terms were not disclosed. Under this strategic partnership, the two companies said they will develop systems that will relay information to drivers through the electronic architecture used for the remote keyless entry system. This strategic partnership makes sense from a technological standpoint because both remote keyless entry systems and tire pressure monitoring systems currently operate on radio- frequency signals, says D. William Pumphrey, President of the Lear Electronics and Electrical Division. This partnership is especially important in North America because the recently amended United States Transportation Recall Enhancement Accountability and Documentation (TREAD) Act will require tire pressure warning systems on all new vehicles by 2003. So this is an excellent growth opportunity for both companies.
Automotive module suppliers worldwide can now design complete remote keyless entry (RKE) systems inexpensively and in short cycle time, thanks to a new chip set from Motorola. The DigitalDNA system solution provides the hardware and software components needed for RKE applications with multiple iterations for maximum design flexibility. “This highly integrated solution offers designers the flexibility to add features to their system while developing extremely small modules,” said Denis Griot, corporate vice president and general manager of Motorola. “The trend is to put these systems directly on the head of the key, and being able to design around a microprocessor already embedded with RF allows our customers to do that.”
Business Editors Automotive Writers NOTE: The following news release replaces and corrects the previous TRW news release which ran Monday, Oct. 16 on Business Wire, BW2348 (MI-TRW-3). The Note at the end of the release and

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NEW FILMS FRIDAY CURSED — Wes Cravens werewolf thriller stars Christina Ricci, Joshua Jackson and Shannon Elizabeth. Running time: 96 minutes. Not screened for critics; to be reviewed next week. PG-13 (violence, gore, vulgarity, nudity, profanity, drugs). DIARY OF A MAD BLACK WOMAN — * — Tyler Perrys popular stage play has been turned into a painfully unfunny comedy. Kimberly Elise stars. Running time: 116 minutes. PG-13 (violence, drugs, profanity, vulgarity).
Read Corps Screen-All CV-150-D has a convertible shaker head that can accommodate either woven screen cloth, punch plate, harp screens or finger decks for custom applications. Power comes from a 49-hp John Deere water-cooled diesel engine. It features automatic shut-down for unattended operation, SKF spherical bearings, high-impact areas constructed of Grade 80 high-tensile steel, air-actuated wheel brakes, a hydraulically operated lifting system and a patented casting plate for use with an excavator. Circle 151
TCI Manufacturings Portable Truck Frame Dual Frequency Screen comes mounted on a portable frame with two, 30-in. reversible side discharge conveyors for oversize and midsize products, and a 36-in. fines discharge conveyor onboard. The plant can be erected into operating position while still attached to the truck, and then backed into position. Standard features include wraparound catwalks, screen steps and access platforms over the side discharge conveyors. [ILLUSTRATION OMITTED]

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A small and powerful group of Arab American financiers have learned that helping others make money is very profitable for the bankers themselves “Banking was too boring and slow,” says Ziad Abdelnour, president and CEO of Blackhawk Partners in New York and the founder and president of the U.S. Committee for a Free Lebanon. These Arab American financiers have the commonality of heritage, but the diversity of every ethnic and minority group in America. Some have moved up the corporate ladder; others have gained fortune-if not fame-building their own financial empires. Some came from
Like Mike Christopherson (Readers Forum, Dec. 1), I wondered why the state of Utah was accumulating such a big sum of money when the roads around the state badly need fixing and schoolteachers are underpaid. I read his letter to my husband. He said, “I know the reason. Theyre just like me. I would rather have the money in the bank than buy a new suit.” Spanish Fork
AND ITS JUST WAITING FOR ENTREPRENEURS TO SHOW UP WITH LOAN APPLICATIONS - BUT YOU HAVE TO KNOW WHERE TO GO. CHECK OUT THE TOP 186 ENTREPRENEUR-FRIENDLY BANKS. Thats the word from Jere Glover, chief counsel for the SBAs Office of Advocacy, who shared with us results from the offices Micro=Business-Friendly Banks in the United States 1999 Edition report. The thing that stands out most about this sixth annual survey of loans of $100,000 or less, says Glover, is that although business lending as a whole has continued an upward climb, the rate of actual dollar amount lent to entrepreneurs has slowed. This is not [as bad as it seems] for business, he says, because weve had rather robust growth through the year [3, 4 and 5 percent]. But now, [with this years 2.5 percent increase], its not growing as fast. Also, the surveys data doesnt indicate how many companies actually tried to get microloans. Consequently, Glover says its difficult to determine if this decrease portends a looming credit crunch.

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Homeowners looking to refurbish their houses but unwilling to use expensive credit cards to finance it will soon be served by a new, locally based loan company specializing in home improvement loans. American First Mortgage Source Inc. will open Feb. 1 at 504 W. Mission Ave., in Escondido. Jess Chinchillas, founder of the company, recently returned to the county after serving as vice president for The Money Store, a Sacramento-based home lender. The home improvement loan is secured by a lien on the subject property, he added. Since the average home improvement loan is smaller than other kinds of home equity loans, but has just as much paperwork, the points charged are usually proportionally higher, he added.
Nursing home care in Utah is improving, the Centers for Medicare and Medicaid Services reported Wednesday. Many of those improvements were linked directly by care center administrators to a quality improvement project through HealthInsight, Medicares Quality Improvement Organization in Utah. The organization is part of the national Nursing Home Initiative, which focuses on raising standards of care in nursing homes across the country and giving consumers more comparison information.
Homeowners looking to refurbish their houses but unwilling to use expensive credit cards to finance it will soon be served by a new, locally based loan company specializing in home improvement loans. American First Mortgage Source Inc. will open Feb. 1 at 504 W. Mission Ave., in Escondido. Jess Chinchillas, founder of the company, recently returned to the county after serving as vice president for The Money Store, a Sacramento-based home lender. The home improvement loan is secured by a lien on the subject property, he added. Since the average home improvement loan is smaller than other kinds of home equity loans, but has just as much paperwork, the points charged are usually proportionally higher, he added.

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Another North East dental practice is leaving the NHS to go private. In a letter to patients the dentists said: This decision has not been made lightly.
Are your teeth on edge today? It would not be surprising in the light of the consultation by the British Dental Association which found that 59% of dentists were planning to either cut their work for the NHS or quit the NHS in protest at what the Government describes as the most radical shake-up of the profession since 1948. Only 2% of dentists said they would increase the amount of NHS work they did on the back of the Governments proposals. A worrying 16% said they would stop providing NHS dentistry altogether.

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Cognitive Hypnotherapy. Thomas E. Dowd. Northvale, NJ: Jason Aronson (2002). 240 pages, $40. Reviewed by: Bruce N. Eimer, Ph.D., ABPP, Philadelphia, PA. Until recently, there has been little in the CT literature on the use of hypnosis (Golden et al., 1987). In the language of the laterality of brain functions, cognitive therapy has emphasized “left brain” thinking as opposed to “right brain” creativity and imagination. In Cognitive Hypnotherapy, Tom Dowd successfully changes this emphasis-adding “right brain” to what was mostly a “left brain” art. For CT and CBT practitioners, Cognitive Hypnotherapy offers options for expanding the scope and flexibility of their practice by adding hypnosis to it. For clinical hypnosis practitioners, this book models efficient ways of integrating cognitive restructuring and reframing techniques with direct and indirect, permissive, hypnosis trance induction and therapeutic suggestion techniques.
HypnotherapyHypnotherapy is a combination of hypnosis and therapeutic intervention . The therapist leads the patient to positive change while the patient is deeply relaxed in a state of heightened suggestibility called trance.

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Part II, explanatory economics, represents the bulk of the book. The economics of demand, price elasticity, risk aversion, and the effect of insurance on the demand for medical services are explained clearly and well. Behavior of suppliers in the medical care market is reviewed, with attention given to differences in for-profit and not-for-profit organizations. A solid explanation of competitive markets allows discussion of timely issues such as the limits of applicability of the competitive model to the medical care market, price and nonprice competition, and market power of providers, purchasers, and patients. Outside readings on current managed competition proposals would augment the textbook discussion well.A short section on the economic effects of information asymmetries in the medical care and health insurance market introduces the concepts of supplier induced demand and adverse selection. Both discussions are short, but the portion on adverse selection especially needs expansion. More rigor, explanatory graphs, and a more extensive bibliography would make the adverse selection concept more useful. This topic is critical to a sound understanding of the functioning of medical expense insurance.The final section deals with value judgments and evaluative economics. The nontechnical explanation of efficiency versus fairness criteria for evaluating medical care policy is somewhat cursory. More technical material is needed to improve the precision of this discussion. However, even without any additions, the text provides a general background on issues of access to medical care, affordability, and quality of care. The difficulty of making allocation decisions given scarce resources is clearly laid out and opens the way for a discussion of policy alternatives.
“There are [more than] 30 million Americans who have no health insurance and another 20 million who have inadequate health insurance,” says Rep. Louis Stokes (D0Ohio), chairman of the Congressional Black Caucus Health Brain Trust. “It is mandatory that we begin to try and give Americans–particularly minorities–adequate health care as a right.” The Bush plan would give people not covered by Medicaid tax credits, and families making less than $80,000 a year tax deductions to pay for medical costs. He would also pass laws to ensure that even chronically ill patients could receive health insurance. The plan has received a cool reception on Capitol Hill, and alternate proposals, including a full-scale, government-paid national health insurance plan, are under development. But what does America really want for its health care system? The views are many.

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Send any news of locally based public companies to Mike Allen via e-mail at mallen@sdbj.com. He can be reached at 858-277-6359.
We believe that manufacturing DVD players with the Divx feature gives our customers more versatility while broadening the choices available in DVD technology, Exec. Vp.-COO Harry Elias said. Terse statement said JVC will manufacture own Divx players for sale through authorized JVC dealer network.With JVCs endorsement, Divx officials have made good on prediction that additional hardware and software support was expected before national launch next summer. Hitachi is known to be studying possible Divx endorsement, but officials said immediately after CES that they hadnt made decision yet.
Will Divx kill retail video rental specialists? The limited-play feature for movies in the new DVD format, backed by Circuit City, could sway the balance of power in the home entertainment business toward mass merchants and away from video rental specialists, according to Ron Berger, chairman, president and ceo of Rentrak, a firm that leases videocassettes to video rental specialists. He further predicted that if Divx is successful, it would turn the video business into something akin to the hit-driven sell-through video sales situation found today in mass merchants and convenience stores.

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Source: Global Forum for Health Research
Health is a measure of quality of life that is difficult to define and measure. In the 1940s, the World Health Organization (WHO) defined health as a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity. At the first International Conference on Health Promotion in Ottawa, Canada (1986), the Ottawa Charter for Health Promotion built on the WHOs concept and further defined health as a resource for everyday life. a positive concept emphasizing social and personal resources, as well as physical capabilities. Good health enables one to function independently within a changing environment.
Get a shot in the arm If you cant remember the last time you got a tetanus shot, you might want to celebrate next weeks National Public Health Week with a visit to the El Paso County Department of Health and Environment, 301 S. Union Blvd. The department is offering free tetanus shots to adults next week, April 3-7. A tetanus booster is recommended every five to 10 years for adults.

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Mary Skiffington has joined the fine homes residential division of Cassidy Associates Real Estate, Inc. Peter Middleton, real estate sales agent for RE/MAX of La Jolla, has been ranked among the top 100 RE/MAX sales agents in California for sales volume from January to June 2002. Gina Drucker and Karen Pado have joined RE/MAX of Rancho Bernardo as a real estate sales team. International Real Estate has added Eric B. Shwisberg as vice president and general counsel.
Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Ratinoff as a director of fund investment management. Ratinoff will specialize in real estate acquisitions for the western United States. Ratinoff has held senior positions focusing on real estate investments with McDonald Investments, Chase Securities and BT Alex. The San Diego chapter of the Institute of Real Estate Management has elected the following individuals as members of its 2005 Executive Council: Nancy Eagle, Harman Asset Management; Pele Wylde, Burnham Real Estate Services; Eddie Goldberg, Sea Property Management; Renee Savage, Capital Growth Properties; Harry Gersten, Union Bank; Carolyn Perriga, Transwestern Commercial; Jim Tostado, Hibiscus Investments; Wade Walker, Griswold RE Management; Sharon Eastman, Realty Executives; and Elizabeth Bzchmann, ConAm Management. The 2005 council members will be installed Nov. 11.

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NEW YORK — Drug stores continue to solidify their reputations as health care destinations, and the trend toward mineral makeup fits in perfectly with that positioning. Although mineral makeup has been used for ages to add color and beauty to the face, the latest wave of such products has a particularly strong health component. Mineral makeup is based on hypoallergenic loose powder, contains no alcohol, perfumes, dyes or preservatives, and naturally nourishes the skin.
Masada Health and Beauty Corp., P.O. Box 4118

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Limousine has diverse meanings, from an inhabitant of the region around Limoges, once called Limousin, and which in the 18th century was looked at askance as home to “an old barbarous French, formerly brought into this country out of France”. The OED overlooks the limousine which was a cloak worn by the driver of a cart whose passenger section was shielded from the elements - hence the vehicle itself and all those gaudy, dark- windowed successors which could house nine cows.
Daimler-Benz yesterday decided not to let its German rivals leave it in the dust in super-luxury cars, approving plans to go ahead with production of a limousine to compete with Rolls-Royce. As Volkswagen and BMW reached a settlement on taking over Rolls brands, Daimlers management board gave the go-ahead for production of the Maybach, which it has previewed at auto shows for the past year. “With the positive decision for the production of the Mercedes- Benz Maybach, we are underscoring once more our claim to represent the absolute top in every market segment,” said Daimler chief executive Mr Jurgen Schrempp.

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Searching for a cure Cancer cure is elusive, but scientists are getting closer, thanks to research, experts say
The study found that chick embryos exposed to alcohol had eight times the number of cancer cells than those exposed to saline. The alcohol-exposed embryos also developed larger, denser tumors.
Thousands of cancer sufferers are being denied life-saving drugs because of delays and bureaucracy in making them available on the NHS. The hold-ups are a matter of life and death for desperate people who have been diagnosed with cancer of the breast, colon or lung, or with a brain tumour. Doctors are furious that drugs such as Avastin, which is used to treat colon cancer, and Ce-tuximab, a treatment for head and neck cancers, are being blocked by the National Institute for Clinical Excellence (Nice), a government-appointed quango set up to decide which drugs should be routinely prescribed on the NHS.

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A high-calibre panel of judges has picked the winners in the Huddersfield Examiner Business Awards. The five-strong panel sifted through hundreds of entries to find the winners of 10 categories recognising the achievements of local firms of all types and sizes. The judges include John Thompson, who is professor of entrepreneurship at Huddersfield University. Prof Thompson has worked extensively in the field of incubating new businesses - pioneering the Huddersfield Business Generator, based at The Media Centre, Northumberland Street, and the universitys Business Mine.
The winner of this award is the UKs largest leak detection company. The Marsden-based business won the Queens Award for Innovation in 2001 - since when it has gone on from strength to strength, increasing exports and expanding into new areas. Operations director Julie Greenwood said: We are so pleased as this is such an important category. The environment is a new side to the business which we are committed to taking forward. We are based in Marsden and do all we can to employ local people from the Colne Valley.
A Tyneside woman has received a top business award from the wife of the president of Iraq. Patricia Davidson, director of Rotational Engineering based in Wallsend, is one of two top winners in the UK Women in Business Award 2006. She said: Business women play a positive role in a changing world with new opportunities.

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ACCORDING TO ANALYSIS BY CUSHMAN Wakefield of New Jersey Inc., East Rutherford, New Jersey, industrial real estate market fundamentals in northern and central New Jersey have shown signs of improvement. At the end of third-quarter 2003, the amount of overall available space had fallen 9.1 percent from third-quarter 2002 to rest at 44.6 million square feet. According to Stan Danzig, an executive director with Cushman Wakefield, New Jersey rents have held steady and are ready to begin heading upward, creating opportunities for companies that are ready to expand or consolidate. Speculative space in New Jersey currently accounts for 1.1 million square feet of new construction. With supply continuing to outpace demand, the only new construction starts in the near term will be build-to-suits, said Frank Caccavo, an executive director with Cushman Wakefield.
In a transaction arranged by Newmark Company Real Estate of New Jersey, Emcore Corporation, a computer chip manufacturer, has purchased a 74,850 SF office facility at 394 Elizabeth Ave. in Somerset, N.J. The Newmark team of Seena Stein, president, Richard Madison, managing director, and Jane Greenblatt, senior managing director, along with James Kuhn and David Noonan, of the firms New York office, brokered the $4.5 million sale. Paul March, of CB Richard Ellis, represented Emcore in the negotiations.
In contrast to other commercial real estate markets throughout the country, the New Jersey commercial real estate market remains relatively strong. While there are soft pockets in the marketplace, low vacancy rates, stable rents, and limited new construction are positive signs for the commercial real estate market to remain stable throughout New Jersey. One of the most exciting new development trends over the past year is the renaissance taking place in our states urban areas. In cities like Newark, Harrison, Trenton, Bound Brook, the Amboyis and, of course, the entire Hudson River waterfront, the developmental, political and cultural communities have converged to push growth back to the urban market. These initiatives are definitely sustainable which bodes well for new development opportunities. New construction projects are experiencing strong success with their pre-leasing efforts. A look throughout the state shows that there are very few spec office buildings remaining empty. Many developers are continuing to experience great success in redevelopment as well. These developments offer tenants virtually new space, with the advantages of modem construction at lower rental rates. This market should remain strong with potential new redevelopment sites still available. Older buildings are being upgraded in order to accommodate the technology needs of todayis tenants, thereby making them more marketable. Most buildings are being re-wired for high-speed voice, data and Internet usage, which makes them more attractive to new users.

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Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Real estate is a popular investment among Canadians. There are several advantages to investing in real estate. Real estate is leveraged. You may pay only a fraction (as low as 10%) of what the property is worth when you buy it. Real estate has utility. If you buy stocks or bonds, you cannot do anything with them; but when you buy real estate, you can use it until you sell it. For example, you can live in a house.

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From the Editors Desk Wayne Hanway, executive director of the Southeastern Public Library System of Oklahoma, writes: “Your articles and editorial comment about gifts from Wal-Mart and Sams Club in the November LAD have me thinking that you really should come out and visit us sometime.
WE CONFESS TO SKEPTICISM when the University of Arkansas sent a press release saying the school would be making an announcement of epic proportions. Exaggeration being common in press releases, we initially suspected that four previously undiscovered parking places had been identified on campus. Its been Chancellor John Whites goal ever since coming to the university to turn it into a nationally competitive research university. And thats exactly what this gift can help do. This unprecedented generosity from the Walton family will transform the University of Arkansas for our students and faculty and in the process position us to serve as a powerful engine of economic development and cultural change for the entire state, White said. What the Walton family has done today will improve life in Arkansas for generations to come, and we are grateful beyond words.

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Some legal advice on aspects of the Internet. David Lewis (1) E-payment and e-money trends are you protected? The full potential of the Internet will only be realised when electronic payment systems are more secure. Currently the Internet lacks a fast, easy and secure way to let consumers buy and sell electronically, and theres no electronic money system on the market that is legal tender.
Outstanding Lawyer award by the association. Judges John C. Ward and David B. Bogard received Lawyer Citizen awards. Ward has served as a Pulaski County Circuit Court judge since 1990. Bogard has served as a Pulaski County Circuit Court judge since 1983. Gregory S. Kitterman, Jeffrey Ellis and Heather R. Callaway received the Presidents Award from the association. Kitterman is in private practice in Little Rock. Ellis is an attorney at the Allen Law Firm in Little Rock. Callaway serves as executive director of the association.
Scott Lauck and Nina Samuel have joined Wilson Associates PLLC as attorneys. Skipper Ray has been promoted to supervising attorney in the eviction department for the firm. Causley Edwards was recognized by the Center for Arkansas Legal Services for exemplary volunteerism. Edwards is an associate with the Rose Law Firm in Little Rock.

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CameraFrom the simplest amateur camera to the most complex, professional piece of equipment, all cameras have five common parts. The lens is made of glass or plastic (or groups of glass elements) and focuses light passing through it on the film to reproduce an image. The diaphragm is an opening or aperture that controls the amount of light entering the camera from the lens and so limits the films exposure to light. The diaphragm ranges in complexity from a fixed lens, opening in a simple camera, to apertures that can be adjusted manually or automatically.The three remaining parts common to all cameras are incorporated in the camera body (also called a chassis or housing). The shutter also limits the films exposure to light by controlling the length of time the film is exposed. Shutter speed can be adjusted in many cameras to suit light conditions and the photographic subject matter; moving objects can be frozen on film with fast shutter speeds. The camera body encloses and protects the operating parts of the camera, including a light meter, the film transport system, built-in flash, the reflex viewing system, and electronic and mechanical components. The body must be lightproof, durable, and resistant to environmental changes. The viewfinder is a specialized lens the photographer uses to preview the photograph either through the lens, if the camera is a reflex-type, or in a separate view for simpler cameras.
All the major brands, from Nikon to Canon and Pentax to Sony, offer point-and-shoot digital cameras. Even Hewlett-Packard has jumped on the digital camera bandwagon. According to Justin Porterfield, manager of the ZCMI Center Inkleys, the cost ranges from $100 to $1,000. One in the $500-price range will get you near single lens reflex quality, he said. According to Allred, most digital cameras have a small LCD monitor on the back that is ideal for composing and reviewing images. It also lets you magnify the images to check for accurate focus and small details. Most digital cameras use compact flash type I memory cards that allow easy downloading to a computer or printer through a USB port on the camera. This allows easy transmission of photographic data to a PC or Mac. Most digital cameras can record movies in AVI format with a duration of up to 30 seconds. The low-quality movies are really for e-mailing and not for television viewing.
Q. How important have drug chains become to the success of your camera business? BRIDDON: Chain drug stores remain a very important channel for both onetime-use and reloadable traditional film-based cameras. Moderately priced models that can be merchandised in a self-service manner are the primary volume producers. Chain drug stores have effectively managed the category to optimize both sales and margins. In general, they have reacted positively to the types of consumer offers and display options that we have presented. We have also been successful in encouraging consumers to make multiple purchases during key selling periods.

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Real estate practice is a broad and widely defined area of the law. In a pristine sense it deals with the esoteric subject of real property law and titles. In practice the subject matter handled by real property lawyers is much broader. Many of the areas of law within real estate practice are areas of specialty themselves. Real estate lawyers examine and evaluate real property titles, handle real estate sales, purchases and other transactions, foreclose mortgages, represent developers and contractors in drafting and negotiating development and construction agreements, handle real estate financing, structure and draft the governing documents for planned developments such as condominiums, serve as counsel to community and condominium associations, draft and negotiate leases, litigate title, boundary, and other land disputes, and advise clients respecting zoning and land: use matters. The examination of real estate titles requires knowledge of corporations and other forms of business organization, wills, trusts and estates, and a practitioner handling transactions must understand contractual, business, and tax subjects as well. The subjects that are tested on the certification exam attest to this diversity. They are title issues; real estate finance; environmental and land use; condominiums and homeowner associations; landlord tenant; closings; sellers, buyers, brokers, and title insurers; real property litigation; taxation of entities and other tax issues; and ethics. Some hold an impression that at least some aspects of the real estate practice are not challenging, that the practice is increasingly title company, form, and paralegal driven, and that when business is light any lawyer with a good paralegal can Ado real estate closings. This impression is not accurate. As with any area of practice, successfully representing clients in real estate matters requires knowledge, skill, and experience. The diversity in real estate practice may mean that no one lawyer can be an expert in each practice area encompassing the modern real property practice or that are tested by the certification program. That, however, is not a reason to not seek certification. The committee recognizes that few lawyers are likely to possess specific and detailed expertise in each of the many subjects that fall within the scope of real estate.
Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.

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Office design firm Space2Work has come a long way in a short time. The business was formed by Stephanie France just a year after she completed a master of business degree at Bradford University School of Management. Delighted Stephanie said: I became really nervous and was absolutely shaking when the video clip was focusing on my business. Winning this award has been a great end to a wonderful first year. Ill be in early to show the award to staff. I was born in Huddersfield and my business is in Huddersfield which makes it all so extra special.
One of Huddersfields leading law firms is proud to be sponsoring the Huddersfield Business Awards in 2006. Chadwick Lawrence LLP Solicitors believes in the importance of celebrating the success of local businesses and individuals. Jeremy Garside, managing partner of Chadwick Lawrence, said: Over the past 20 years there has been a marked change in the Huddersfield business community with traditional textile and engineering industries in decline. New innovative businesses have since emerged providing employment and prosperity for the area.
A major event in Huddersfields business calendar takes place next week. More than 300 guests will assemble on Wednesday for the Huddersfield Examiner Business Awards at the Galpharm Stadium. The event will recognise some of the towns top companies and business people - and the contribution they make to the local economy. Examiner editor Roy Wright said: The award nominees range from small start-up companies to some of the biggest names in business.

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Pocket gophers are fossorial (burrowing) rodents–so named because they have fur-lined pouches outside the mouth, one on each side of the face. These pockets, which are capable of being fumed inside out, are used for carrying food. Pocket gophers are powerfully built in the forequarters and have a short neck; the head is fairly small and flattened. The forepaws are large-clawed and the lips close behind large incisors. This feature allows them to use their incisors for digging without getting a mouthful of dirt, a unique feature to gophers. There are over 30 species of pocket gophers in the Western Hemisphere. Pocket gophers vary in size from 5 1/2 inches in length to over 13 inches in length. Litter sizes vary from one to 10 but typically average three to four. In the northern part of their range they have one litter per year, as opposed to up to two in the southern ranges. Young gophers are dispersed above ground and are capable of swimming as well on the search for suitable habitat to begin new burrow systems. Pocket gophers feed in three ways: they feed on roots, above-ground vegetation, and they pull vegetation into their tunnel to be stored in food caches for later consumption. In the vineyard, pocket gophers girdle vines, damage roots systems (most often in new plantings), and cause multiple-irrigation problems by promoting erosion and damaging drip lines. They are solitary little beasts, vigorously maintaining and defending their tunnel system. Depending on the species and available habitat, gopher population density may vary from six to eight per acre, to up to 62 per acre. Gophers do not hibernate and only cohabitate during the breeding season The burrowing activity of one gopher produces up to 70 mounds in one month. So how do you control such an active but solitary rodent? The fact that a gopher is solitary works to your advantage. You have three basic pest management tools for gopher control: Biological control, chemical control and trapping.
Happily, there exists a simple, less dramatic and more effective system of pest control, called Integrated Pest Management, or IPM, which employs least-toxic strategies. IPM has three parts: sanitation, exclusion, and baits, says Bill Quarles of the Biointegrated Resource Center (BIRC) in Berkeley, California. Here are some tips from BIRC and the book Tiny Game Hunting to help you manage (i.e., destroy) the uninvited: * They come looking for food and water. Never leave food out. Wash dishes promptly, keep surfaces clean, put garbage in pails with snug-fitting lids and take it out often. When you do not give pests anything to eat, it forces them to eat the baits, Quarles says. Wipe up moisture and fix any leaks. * Exclude pests by sealing cracks and crevices, especially around pipes and radiators and between counters, baseboards, and walls, with steel wool (mice cant chew through) or a low- or no-VOC caulk, which wont release toxic volatile organic compounds into your air. Put out sticky traps so that you know where roaches are–how they get in, where they are living, Quarles advises. To kill roaches, treat crevices with boric acid (see below) before caulking.

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Industrial Commercial Real Estate Women of New Jersey announced that Susan J. Strauss has been appointed as the organizations president for 2005. Strauss list of clients includes such firms as Ford Motor Company, INVESCO and Mary Kay Cosmetics.
According to Seena Stein, SIOR, president of Newmark Partners, Inc., The New Jersey office market is absorbing newly-built space as soon as it reaches the market. The reason for this is three-fold; financial services firms are moving in to take advantage of excellent transportation between Northern New Jersey and Wall Street; high-tech companies have found New Jersey a friendly environment; and many current New Jersey tenants are expanding within the market.Northern New Jerseys availability rate remained steady, rising to 13 percent from 12.9 percent at 1997s year end. This minimal rise reflects the markets strength, despite a deluge of space coming available (over 4 million square feet) and increasing pressure from New York to keep large tenants from leaving the city.Central New Jersey performed with equal, vigor as its availability rate declined to 12.9 percent from 15 percent, offsetting the 2.5 million square feet of inventory that came on in the first six months of 1998.

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Contributions were received from the following members and friends in August 2007. General Operating Fund John Conlkin Wilbur Dick Memorial Endowment Fund D. Gene Newlin Norma Mastin, FPSA, in memory of Bert Kraght, FPSA
Gry