Wednesday, October 31, 2012

Pumpkin Hot Chocolate(Vegan) - Food Doodles

by Heidi @ Food Doodles on October 30, 2012

Today is a rainy, cold, miserable day here.? Although I?m sure it is far more miserable elsewhere in the world and I?m keeping those on the east coast in my thoughts.? I did think that some hot chocolate would be a nice thing to share today.? I think we could all use a mug of this :)

I made this hot chocolate vegan by using almond milk.? And to be totally honest, it was awesome.? I almost think dairy milk would have been too thick and rich unless you use low fat.? Sometimes I really prefer almond milk, and this is one of those instances.? But go with what you enjoy.? The pumpkin in this makes it slightly thick and creamier than regular hot chocolate.? I did use a homemade pumpkin puree though so a store bought pumpkin puree will be thicker.? I?m not sure if I?d want this any thicker, so maybe use less of a store bought pumpkin puree.

Oh and that in the background?? I?ll share that soon.? I may tweak the recipe a little before I share it though.? That?s chai spiced apple butter in the center of those bars though.? Can you say yum?? I?m happy to have to make those again soon to test the recipe out :D

For now, enjoy some hot chocolate and I hope everyone stays safe over the next couple days!

Pumpkin Hot Chocolate

Serves 2-3

  • 2 C milk(almond milk works perfectly)
  • 1/4 C homemade pumpkin puree(use less of store bought puree as it?s thicker)
  • 3/4 tsp pumpkin pie spice
  • 3 tbsp unsweetened cocoa
  • 3-4 tbsp maple syrup
  • pinch of salt
  • dash of vanilla

On the stove in a small pot, whisk together the milk, pumpkin, pumpkin pie spice, cocoa, maple syrup(or honey) and pinch of salt.? Heat over medium heat until it comes to a boil.? Whisk and cook for 2 minutes.? Remove from the heat, stir in the vanilla and cool until ready to serve, or serve immediately with a splash of extra milk, a dollop of whipped cream, marshmallows or your favorite other hot chocolate toppings.

Source: http://fooddoodles.com/2012/10/30/pumpkin-hot-chocolatevegan/

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Toshiba Q2 results: profit of $722 million, whole-year forecast cut by $500 million

Toshiba Q2 results profit of $722 million, wholeyear forecast cut by $500 million

Toshiba has managed to pick itself up this quarter, recording $17.8 billion in sales, making for an operating profit of $722 million over the past three months. The "social infrastructure" segments recorded a healthy profit ($518 million), while income from digital products, home appliances and electronic devices fell due lower than expected demand. Forecasts for the year have been cut for the full year by approximately $500 million to $3.26 billion, as Toshiba expects lowers sales and operating profits due to the uncertain global economic situation. Individual segments are expected to continue their distinct trends, with the social infrastructure business pulling in more while its other arms bear the brunt of the economic slowdown.

[Image credit: Wikimedia Commons]

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Toshiba Q2 results: profit of $722 million, whole-year forecast cut by $500 million originally appeared on Engadget on Wed, 31 Oct 2012 04:30:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/10/31/toshiba-q2-2012/

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Breast-cancer checks save lives despite over diagnosis

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Source: http://news.yahoo.com/breast-cancer-checks-save-lives-despite-over-diagnosis-103331401.html

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Speaking notes for the Honourable Diane Finley at the Restaurant ...

Speaking notes

for

the Honourable Diane Finley,

Minister of Human Resources and Skills Development,

at the

Restaurant Industry Summit

of the

Canadian Restaurant and Foodservices Association

October 29, 2012

Ottawa, Ontario

?Check against delivery

Thank you for that kind introduction.

And thank you, Garth, for inviting me to attend this year?s Restaurant Industry Summit, organized by the Canadian Restaurant and Foodservices Association.

I appreciate the opportunity to speak to your members and explore how government and the private sector can work together to tackle the challenge of skills shortages while encouraging growth within the restaurant and food service industry.

As you are aware, our government?s top priorities for the last three years have been job creation and economic growth. We have implemented several initiatives which have strengthened Canada?s labour market. And I?m pleased to report that our efforts are paying off.

Canada?s economic performance has been far better than that of many countries around the world.

In fact, since July 2009, over 800?000 new jobs have been created in Canada.

That makes Canada one of the leaders in employment growth among G7 countries.

However, we are in no position to be complacent, as Canada is facing significant challenges that threaten our ongoing economic growth. ?

As business people, you know better than anyone that the global economy is still fragile and that any setbacks in other countries could have an impact on us.

Here at home, we are facing the paradox of high unemployment in some regions and labour shortages in others. And, in some cases, labour shortages in areas of high unemployment.

There is also a mismatch between the needs of employers for skilled workers and the supply of people in the labour force who have those skills.?

Labour and skills shortages are without a doubt the major socio-economic challenge confronting this country.

Earlier this month, I toured western Canada and met with various industry leaders, including those from the Canadian Restaurant and Foodservices Association, and again the message was very clear:

?Minister Finley, we need people.?

Your industry members know this all too well, having forecasted that the restaurant industry will be short 107?000 workers by 2025.

And so, let me take a few minutes to highlight some of the Government?s recent initiatives aimed at addressing these challenges that directly affect you. ?

Let?s start with changes to the Employment Insurance program aimed at connecting Canadians to available jobs and filling the needs of the job market.

There are individuals who do not know where or how to find available jobs. And there are people who have spent their entire working lives in a particular industry or occupation who are not aware that their skills match those needed in other industries or occupations.

That is why our government is making it easier for unemployed Canadians to search for and find work. We are doubling the number of Job Alerts sent out each day to Canadians receiving EI benefits.

These alerts will come from many different sources, including private-sector providers such as yours.??

Job Alerts will provide EI claimants with information about job opportunities within their geographic area and their field of expertise and training. As well, they will now also include information on related occupations to which their skills might be adapted.

In addition to connecting Canadians to available jobs, our government is eliminating disincentives that have, in the past, discouraged EI recipients from seeking employment while on claim.

This measure is projected to help your members keep capable, well-trained staff, rather than face high turnovers due to seasonal employment.

We must always ensure that qualified and available Canadian workers have the first crack at job vacancies. But we recognize that sometimes employers will not be successful recruiting domestically.

As a short-term option to address labour shortages, we have the Temporary Foreign Worker Program to enable projects to proceed and businesses to stay afloat when qualified Canadian workers are not available or are still in training.?

Last year, we also announced the creation of the Sectoral Initiatives Program, or SIP.

The SIP will fund national partnership-based projects to support the development of better labour market information, occupational standards and certification schemes to address skills shortages in various sectors of our economy.

The Government of Canada is committed to helping all Canadians obtain the right skills and training to be successful in the workforce.

Through grants, tax credits and support for training programs, our government is promoting apprenticeships and careers in the skilled trades and technology sectors.

For example, apprentices can get up to $4,000 in apprenticeship grants to pursue and complete apprenticeship training. To date, the Government has provided more than 357?000 of these apprenticeship grants to Canadians to encourage them to become skilled tradespeople.

As we see the baby boomers start to retire, as we start to see the impact of skills and labour shortages, there will be an ever-increasing role for training.

Too many of our young people today are graduating into unemployment rather than into jobs. ?

In fact, the jobless rate for young Canadians?15?percent?is almost twice the national average.

In this respect, we are doing better than other OECD countries, where youth unemployment is much higher, such as Spain, which had a youth unemployment rate at 46.4 percent last year, or even the United States, which had a youth unemployment rate of 17.3 percent.

Still, it is clear that we need to reverse this trend or risk losing the potential of an entire generation.

To that end, our government is investing $50 million to set a new course for our Youth Employment Strategy?one that will match eager young Canadians to employers who have job vacancies.?

By fostering our private-sector partnerships, we are honing in on where the jobs are?where the needs are?and encouraging employers to hire young Canadians into roles where they can obtain that critical on-the-job-experience that they so desperately need.

It?s win-win-win. Young people gain experience and are better coached to align their education choices with where the jobs are. Employers benefit by gaining skilled (or trainable) workers. And the economy benefits by having young people at work in their communities.

Training will be essential. No question.

The Government already plays an important role in skills training by providing the provinces and territories with significant funding for exactly that purpose.

But government can?t, and shouldn?t, do everything.

The private sector must also play a key role when it comes to training our workforce.

It is important to note that for many young Canadians, jobs serving the public in the restaurant and food industries will be their first jobs.

According to HRSDC statistics, your members supply one in six youth in this country with a job.?

The training they receive at the start of their working life with you will determine the way they approach all future employment.

This is no small feat. And for this, I thank you.

In closing, let me commend the CRFA for its openness and willingness to work with the Government of Canada.

We value the CRFA?s participation in our consultations and appreciate your input on behalf of the business sector.

Essentially, ladies and gentlemen, we share the same goal.?

You want to ensure the success of the members of your association.

I want to ensure that businesses, like yours, have the skilled workers that you need to grow and prosper.

That is why we will continue our efforts and foster partnerships to benefit the growth of the Canadian economy.

With the help of organizations such as yours?and the businesses you represent?we can do it.

Thank you.

- 30 -


Source: http://news.gc.ca/web/article-eng.do?nid=703899

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First iPad mini reviews

The first set of iPad mini reviews are now hitting the web and so far, so good. Obviously, it's an iPad only smaller -- or more concentrated, as Apple said. But how does it compare to other small tablets, and to the 9.7-inch iPad? Here's a roundup of opinions so far

The Loop's Jim Dalrymple says he was wrong to doubt the usefulness of an iPad mini:

I was really surprised with how much I used the iPad mini in my daily routine ? more than the 10-inch iPad. There are a couple of things you have to remember with the iPad mini. First, it isn?t just a smaller iPad, but rather it feels like its own device.

Fox New's Clayton Morris says the iPad mini is small but it performs big:

After a few days I started to prefer the mini to my larger iPad despite its lack of a Retina screen. It even made my larger iPad look old fashioned. Awkwardly large. The mini is fast, impressively light -- weighing in at just over 10 ounces -- and easy to keep with me at all times. The only thing I don't enjoy as much with the mini is watching videos. It seems the crystal-clear Retina display in the newer (and larger) iPads has spoiled me.

Time's Harry McCracken says the iPad mini is the first small tablet that's an iPad:

If your budget?s got more wiggle room, the iPad Mini is the best compact-sized tablet on the market. Apple didn?t build yet another bargain-basement special; it squeezed all of the big iPad?s industrial-design panache, software polish and third-party apps, and most of its technology, into a smaller thinner, lighter, lower-priced model. The result may be a product in a category of one ? but I have a hunch it?s going to be an awfully popular category.

The Verge's Joshua Topolsky says the iPad mini isn't a step down from the iPad 4, but a step to the side.

There's no tablet in this size range that's as beautifully constructed, works as flawlessly, or has such an incredible software selection. Would I prefer a higher-res display? Certainly. Would I trade it for the app selection or hardware design? For the consistency and smoothness of its software, or reliability of its battery? Absolutely not. And as someone who's been living with (and loving) Google's Nexus 7 tablet for a few months, I don't say that lightly.

The iPad mini hasn't wrapped up the "cheapest tablet" market by any stretch of the imagination. But the "best small tablet" market? Consider it captured.

Engadget's Tim Stevens says the iPad mini brings everything Apple has to offer in a tablet that fits in one hand.

This isn't just an Apple tablet made to a budget. This isn't just a shrunken-down iPad. This is, in many ways, Apple's best tablet yet, an incredibly thin, remarkably light, obviously well-constructed device that offers phenomenal battery life. No, the performance doesn't match Apple's latest and yes, that display is a little lacking in resolution, but nothing else here will leave you wanting. At $329, this has a lot to offer over even Apple's more expensive tablets.

CNET's Scott Stein says the iPad mini is the perfect size but comes at a price:

If you want a tiny tablet to do everything but make calls, the iPad Mini is worth the $130 premium. For an e-reader plus apps, choose a cheaper, higher-resolution 7-inch tablet.

BusinessWeek's Rich Jaroslovsky says the iPad mini is thin and light but not cheap:

I can tell you the iPad mini is the best small tablet you can buy. The question you?ll have to answer for yourself is whether it?s that much better.

SlashGear's Vincent Nguyen says the iPad mini is aimed at the everyman:

In the end, it?s about an overall package, an experience which Apple is offering. Not the fastest tablet, nor the cheapest, nor the one that prioritizes the most pixel-dense display, but the one with the lion?s share of tablet applications, the integration with the iOS/iTunes ecosystem, the familiarity of usability and, yes, the brand cachet. That?s a compelling metric by which to judge a new product, and it?s a set of abilities that single the iPad mini out in the marketplace. If the iPad with Retina display is the flagship of Apple?s tablet range, then the iPad mini is the everyman model, and it?s one that will deservedly sell very well.

The Guardian's Charles Arthur says the iPad mini is a five-star device:

Apple is going to sell a lot of these ? quite possibly more than the "large" iPad ? in this quarter. The only way Apple could improve on this product would be (as some people are already agitating) to give it a retina screen and somehow make it lighter. That might happen at some point. You can wait if you like; other people, in the meantime, will be buying this one.



Source: http://feedproxy.google.com/~r/TheIphoneBlog/~3/pb-ImdQS2e0/story01.htm

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Photos: Sandy slams the East Coast

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Source: http://news.yahoo.com/photos/hurricane-sandy-1351517288-slideshow/

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So, I Got A Tattoo For My Birthday | The Yolanda Adams Morning ...

It?s true. For my 38th birthday, I got the greenlight to get a tattoo.

I?ve always wanted one.? My family knew I wanted one, but they never really said it would be okay with them. But this year?my daughter really championed the idea. She thought it was finally time.? As it turns out, this was the green light I was waiting for.

Step 1. What to get.

When I first told my friends & family about my tattoo, I would get the same response, ?What comic book character is it going to be??. Am I really?THAT transparent? Do I wear my comic-loving heart on my sleeve? Yes, yes I do.

I went back & forth for many moons, before I decided on the Iron Fist logo.

Iron Fist is a martial arts hero, that represents and stands up for the common folk.

He?s a rich man, donates to charity regularly, and is best friends with Luke Cage.

You can read more about Iron Fist here.

Step 2: Find A Good Tattoo Parlor/Artist

I started looking for places that were somewhat convenient to my house. I made a mental note of each one.? Then, I started asking around. One name that kept popping up was Mark Anthony. I found out he likes comics, just like me. I went to his website, and he?s a true artist. I scheduled a meeting with him and we got to know each other. I was genuinely interested in his opinions on comics, movies, and tattoo art. Long story short, I found my artist and made an appointment at Studio 8 in Houston. Very clean and very professional.

Step 3: Let?s Do This!!

Two weeks later, I went in for my appointment. I admit, I had second thoughts?but I wanted this, and everyone knew I wanted it. I sucked it up and pulled up my sleeve.

Once Mark resized & printed out the image, he made a template. This is kind of like a temporary tattoo that kids play with.

He wets the shoulder, places the template where it needs to go, and we see if it needs to be centered, resized, or reconsidered.

Looks good so far!

Now, it?s time to make it permanent.

Here, you can see the outline that he begins with.

Once it?s outlined, he shades in the dragon.

This process didn?t take long at all. Mark even put a movie on for me while he was working.

And a short time later?

I ended up with?

THIS!!

I love it!

I?d like to add a green glowing/flame effect to it.

Mark had a great idea and did a draft for me (in marker, on my shoulder).

So, I?m going to walk around and ponder what I want for a while.

Now, what you may have noticed is that Iron Fist has this logo on his chest. I like him, but I don?t like him that much.

One thing I wasn?t expecting, was the lack of pain. I always thought getting a tattoo would hurt. It didn?t. Granted, I got my a tattoo on a real?meaty part of my arm. I?m sure there are some extra sensitive parts, that could hurt, but mine didn?t.

Also, my experience was very pleasant. I was surrounded by good folks, that knew their craft.

I?m so happy.

-Jay

Source: http://theyolandaadamsmorningshow.com/229760/so-i-got-a-tattoo-for-my-birthday/

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Google Nexus 4 hands-on (video)

Google Nexus 4 handson

So here it is at last, the Nexus 4. After countless leaks we finally got a chance to put our dirty little paws on Google and LG's lovechild. The verdict? It's simply phenomenal. By combining the nicest elements of the Optimus G with the latest iteration of Jelly Bean (Android 4.2) the two companies have created something that's better than the sum of its parts. Like its cousin, the Nexus 4 is built around Qualcomm's snappy 1.5GHz quad-core Snapdradon S4 Pro SoC with Adreno 320 graphics and 2GB of RAM. Storage comes in 8GB and 16GB flavors with no microSD expansion. It features the same lovely 4.7-inch 1280x768-pixel IPS panel but sheds LTE support for an unlocked pentaband DC-HSPA+ (42Mbps) radio and wireless charging. On the camera front the Nexus 4 inherits LG's eight-megapixel BSI sensor and f/2.4 autofocus lens, instead of the slightly fancier 13 MP shooter. You'll be able to purchase a Nexus 4 unlocked in the Play Store starting November 13th for $299 (8GB version) or $349 (16GB model). Take a look at our gallery below and stay tuned for our hands-on video and first impressions.

Continue reading Google Nexus 4 hands-on (video)

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Google Nexus 4 hands-on (video) originally appeared on Engadget on Mon, 29 Oct 2012 20:45:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/10/29/google-nexus-4-hands-on/

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Flavor and texture alter how full we expect a food to makes us feel

ScienceDaily (Oct. 30, 2012) ? Low calorie foods may help people lose weight but there is often a problem that people using them do not feel full. New research published in BioMed Central's open access journal Flavour shows that subtle manipulations of texture and creamy flavour can increase the expectation that a fruit yoghurt drink will be filling and suppress hunger regardless of actual calorific content.

There is a currently a debate about satiety, how full low calorie foods and drinks make people feel and for how long, and whether or not they actually make people eat or drink more because the body is expecting more calories than are actually provided. Researchers from the University of Sussex designed an experiment to first see whether or not adding a thickening agent (tara gum) increased the sensation of thickness, stickiness and creaminess of a yoghurt drink, and then looked at how these affected expected fullness and expected satiety.

The results showed that even people who are not trained in food tasting were able to accurately pick up subtle differences in drink texture even though the taste remained the same.

In the second phase of the experiment subjects rated how filling they expected a drink to be by selecting a portion of pasta that they thought would have the same effect on their hunger as drinking a bottle of yoghurt. On average the thick drinks and the creamy drinks were expected to be more filling than the thin or non-creamy versions, and enhancing the creamy flavour of a thick drink further increased expected fullness. However their contributions to expected satiety were not equal -- only thickness (and not creaminess) had an effect on the expectation that a drink would suppress hunger over time.

Keri McCrickerd, who led this study, explained, "Hunger and fullness are complicated issues because it is not just the calories in a food or drink that make it filling. Signals from the stomach are important but so too is how the drink feels in the mouth. In our study both creamy flavour and texture affected expected fullness, but only thickness seemed to affect whether hunger was expected to be satisfied. This may be because thick texture is a characteristic of food that we associate with being full. Consumer expectations are important and our study shows that consumers are sensitive to subtle changes in oral sensory characteristics of a drink, and that thick texture and creamy flavour can be manipulated to enhance expectations of fullness and satiety regardless of calories."

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The above story is reprinted from materials provided by BioMed Central.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. K. McCrickerd, L. Chambers, J.M. Brunstrom, J.E. Norton, T. Mills, M.R. Yeomans. Subtle changes in the flavour and texture of a drink enhance expectations of satiety. Appetite, 2012; 59 (2): 632 DOI: 10.1016/j.appet.2012.05.087

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/living_well/~3/FzgR1l8reCQ/121030210345.htm

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Microsoft unveils new lock screen for Windows Phone 8 powered by Live Apps

Microsoft unveils new lock screen for Windows Phone 8 powered by Live Apps

Microsoft is busy officially revealing all the bits and pieces that make up Windows Phone 8, and one of them is its new lock screen. Powered by Live Apps designed for Windows Phone 8 like Facebook, it lets apps directly update your lock screen with new photos and information. Exec Joe Belfiore is, as usual, excited about it, pointing to the "surprise" now waiting every time he picks up his phone. If pics from your last vacation popping up every time you turn your phone on doesn't get you going ,just imagine sports scores or other relevant info you've picked pushed straight to the front, just a button press away.

Microsoft unveils new lock screen for Windows Phone 8 powered by Live Apps originally appeared on Engadget on Mon, 29 Oct 2012 13:19:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/GPAXhYiS0hY/

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Tuesday, October 30, 2012

Westfabian3980's blog - Typepad - jolladsharma

Sorry, Readability was unable to parse this page for content.

Source: http://jolladsharma.blogspot.com/2012/10/westfabian3980-blog-typepad.html

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'Anderson Live' to end after 2 seasons

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Insights into a new therapy for a rare form of cystic fibrosis

Monday, October 29, 2012

Scientists at the Hospital for Sick Children in Toronto have established that a drug recently approved by the U.S. Food and Drug Administration to treat a rare form of cystic fibrosis works in an unconventional way. Their results reveal new possibilities for treating various forms of cystic fibrosis.

Cystic fibrosis is an inherited disease afflicting about 70,000 people around the world. Cystic fibrosis patients carry a defective gene that disables or destroys its protein product, which normally regulates the transport of ions across cell borders. When that transport is disrupted, the viscosity of the mucus coating certain organs becomes too thick. A characteristic feature of the disease is thick mucus buildup in the air passages, which causes difficulty breathing and recurring infections.

While the FDA approved the drug VX-770 (also known by the trade names Kalydeco and Ivacaftor) to ease breathing in people with cystic fibrosis caused by a particular mutation in the CFTR protein (the acronym is short for cystic fibrosis transmembrane conductance regulator), exactly how VX-770 worked in those patients was unknown.

Scientists have understood for some time that normal CFTR regulation requires modification of the protein and binding of a small, energy-providing molecule ? adenosine triphosphate, or ATP. But, in their recent Journal of Biological Chemistry "Paper of the Week," Christine Bear and colleagues report that the drug opens both normal and mutant CFTR channels without ATP. Their results indicate that the compound binds to a different site on CTFR than ATP. Significantly, this finding may be useful in developing therapies for cystic fibrosis caused by various CFTR mutations that, like the G551D mutation that was studied, impair ATP-mediated channel regulation.

Bear's group determined how VX-770 works after developing a new experimental system that may have potential for discovering drugs that target the basic defects caused by CFTR mutations, Bear says. The system is useful for identifying compounds that interact with rare mutations such as G551D as well as the major CFTR mutant F508del, she said.

###

American Society for Biochemistry and Molecular Biology: http://www.asbmb.org

Thanks to American Society for Biochemistry and Molecular Biology for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 29 time(s).

Source: http://www.labspaces.net/124886/Insights_into_a_new_therapy_for_a_rare_form_of_cystic_fibrosis

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Capital Model Embeddedness | GCCapitalIdeas.com

Paul Silberbush, Managing Director
Contact

Capital models are becoming more and more ?embedded? into property and casualty (re)insurers? business processes. These models are typically constructed with two distinct and often contrasting purposes: 1) measuring capital for rating agency and/or regulatory requirements and 2) risk management and strategic business planning.

In Europe, property and casualty (re)insurers have greatly increased their use of internal capital models. While best practices in enterprise risk management (ERM) have always been a motivating factor, the ultimate driving force for their use has really been requirements around the Solvency II regime.

Because internal models need to ?accurately represent an insurer?s risks and the interaction of those risks,? the models have become increasingly complex and unwieldy, at the expense of utility around flexibility, responsiveness and speed.

Contrast this increase in complexity against the concept of the ?use test.? This requires companies to use their models to make business decisions in areas such as strategic planning or evaluation of reinsurance options. The models are not to be used solely in the setting of capital levels for regulatory purposes.

In the United States companies have been focusing on the use of capital models primarily as part of a set of best practices in the deployment of ERM. More recently, another factor prompting interest in capital modeling has been the views of the rating agencies. They are increasingly assessing a company?s readiness and/or actual implementation of a capital model as a qualitative component of the rating process. Finally, the United States is clearly moving towards a regulatory framework involving internal models, as seen by the National Association of Insurance Commissioners? (NAIC) model act on Own Risk and Solvency Assessment (ORSA), which is targeted to be effective in January 2015. The Model Act as it stands now will exclude carriers under USD500 million in premium and groups under USD1 billion in premium. It is conceivable, however, that smaller companies may be subject to similar regulations at a future time.

While nothing in the NAIC Guidance Manual refers to a ?use test,? there are numerous hints within that the regulator will be looking for evidence of the practice of ERM - insurers should have sound processes for assessing capital adequacy and the process should be integrated into the company?s management and decision-making culture.

Guy Carpenter is already seeing unprecedented interest in internal risk and capital models and software platforms from our U.S. clients and we expect the trend to continue. We are uniquely positioned to provide industry-leading advisory services to our clients via both our intellectual capital contributions and industry-leading modeling software.

For their use in business decision making, internal models need to be far simpler, faster, flexible and more transparent than many of those that are in use now.

MetaRisk? is Guy Carpenter?s proprietary risk and capital modeling platform. It is a fast and powerful desktop application that is flexible enough be the platform for a company?s model(s) that may be used for strategic planning and reinsurance evaluations, measuring risk for internal ERM best practices and measuring capital for rating agency and regulatory requirements.

MetaRisk ReserveTM is a powerful Excel-based add-in that may be used to measure reserve risk including hidden inflationary trends, and it may be used as a stand-alone tool to measure reserve volatility to ultimate or provide the needed one-year measures that seamlessly feed into a full capital model, such as one built in MetaRisk.

Click here to register to receive e-mail updates >>

Statements concerning tax, accounting, legal or regulatory matters should be understood to be general observations based solely on our experience as reinsurance brokers and risk consultants, and may not be relied upon as tax, accounting, legal or regulatory advice, which we are not authorized to provide. All such matters should be reviewed with your own qualified advisors in these areas.

Source: http://www.gccapitalideas.com/2012/10/30/capital-model-embeddedness/

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ER crews in for long haul as storm injuries start

By JoNel Aleccia, NBC News

As superstorm Sandy made landfall Monday, hospitals across the Eastern seaboard kicked disaster plans into place, told emergency room crews to bring enough clothes and personal supplies to last a few days and made room for evacuated patients from low-lying areas -- and from other medical centers.?

Doctors from New Jersey and New York to Connecticut planned to bunk at work for as long as required to ensure ample staffing for storm injuries and illnesses.

?In the emergency department, this is what people live for,? said Dr. Christopher Raio, associate chairman of the department of emergency medicine at North Shore University Hospital in Manhasset, N.Y.

Cots were being set up and sleeping areas cordoned off as St. Barnabas Hospital in the Bronx prepared for a possible influx of patients as the storm, which has been downgraded to a post-tropical cyclone, took full effect Monday evening.

??We?ve all brought sleeping bags and stuff,? said Dr. Ernest Patti, senior attending physician of emergency medicine for St. Barnabas. ?We?re braced and we?re ready and we?re fully staffed.?

The storm took its toll on the hospitals themselves, knocking out generators and flooding vital areas.?
At NYU Langone Medical Center, hospital officials said about 215 patients were evacuated late Monday to nearby facilities, including the Mount Sinai Hospital, ?because of the severity of the storm and "the higher than expected storm surge," according to a statement.

Patients included those in adult and pediatric critical care, neonatal intensive care and obstetrics.?

Some hospitals began grappling with sporadic power outages and flooding early Monday evening even as they treated patients for storm-related injuries including falls and cuts. At Staten Island University Hospital, flooding forced evacuation of the data center, which effectively shut down the hospitals computers and access to patient data.?

"However, SIUH staff was able to preserve patient safety by relying on paper records," noted Terry Lynam, spokesman for the North-Shore LIJ Health System. ?

All elective surgeries and procedures were canceled through at least Tuesday at New York-Presbyterian Hospital and elsewhere as staffers prepared for the storm.

Hospitals in low-lying areas were ordered evacuated, including the Manhattan Veterans Affairs Hospital and New York Downtown Hospital, which got the word Monday morning.?

Five sets of parents and their newborn?babies were evacuated from New York Downtown Hospital to Montefiore Medical Center, said spokeswoman Anne McDarby. One mother and baby went home Monday; the others were expected to be discharged Tuesday or Wednesday.

Dozens of critically ill patients from Staten Island University Hospital and Southside Hospital in Bay Shore, N.Y., were evacuated to other locations within the North-Shore LIJ Health System, said spokesman Terry Lynam.

About 30 psychiatric patients housed at South Beach Psychiatric Center on Staten Island were also temporarily relocated to South Oaks Hospital in Amityville.

Any patients who could be discharged were sent home over the weekend as hospitals recently tested by Hurricane Irene put disaster plans into place.

In Stafford Springs, Conn., Dr. David John, an emergency doctor at Johnson Memorial Medical Center, spent two busy 12-hour shifts over the weekend tending patients who rushed to the emergency department seeking treatment for heart conditions and infections before the weather got bad.

?It was crazy busy,? said John, who is also a spokesman for the American College of Emergency Physicians. ?Word of mouth got out and people were saying ?I wanted to get this done before the storm hit.'?

Hospitals throughout the region were reporting no serious storm-related injuries or illnesses as of early afternoon Monday, but John said that could change quickly.

A veteran of 20 years of disaster staffing, John said he was concerned about patients who required oxygen or nebulizers and other life-sustaining equipment, who were likely to show up in emergency departments first.

They?d likely be followed by patients who need 24-hour care whose caregivers couldn?t get to them, and then by the frail elderly.

The most serious storm-related dangers occur when people go out in wild weather and are involved in car crashes or struck by falling trees or power lines, he said.

Improperly used generators and charcoal grills used indoors for heating or cooking also cause serious injuries or deaths during most powerful storms, he warned.

As storm injuries began to fill emergency rooms, staffers said they were grateful for common sense on the part of the public. Most New York residents have heeded warnings to seek higher ground and stay off the streets, which will go a long way toward curbing harm, said Dr. Andrew Sama, chairman of the emergency department at North Shore University Hospital.

?So far, so good,? Sama said.

Related stories:?

In an NBC News special report, President Obama stresses the importance of abiding by evacuation orders from local officials, warning that Sandy is a "serious storm" that could have "fatal consequences" if people don't act accordingly.

?

Source: http://vitals.nbcnews.com/_news/2012/10/29/14782722-cots-for-docs-as-hospitals-brace-for-hurricane-patients?lite

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Springdale Family Experiences Loss, Thankful for New Life ...

Posted on: 7:57 am, October 29, 2012, by Mitch Roberts, updated on: 12:22pm, October 29, 2012

Two years ago, 17-year old Micayla Patterson kissed her parents goodbye before jetting off to Tulsa to see a concert.

?It was on her bucket list of things she wanted to do. She loved John Mayer. That was her first big trip out of town.?

She never made it home.

Shortly after the show, Micayla lost her life in a car accident. Micayla?s mother, Becky Patterson, still struggles to talk about that night.

Micayla was the Patterson?s only child. She was a basketball player at Har-Ber High, and a college-bound honor student.

Not long after the crash, Hannah Knoedl, one of Micayla?s best friends became pregnant out of wedlock. The birth mother knew she wasn?t mature enough to be a parent, or financially able to provide. Micayla?s mom says she?ll never forget when Hannah called to talk with her one night.

??We talked and she said it?s not my time to be a Mommy. Have you and Chris prayed about adopting and we had. We prayed for a year and said we weren?t going to make any major decisions for a year after Micayla went home to heaven. It was exactly a year after we got the telephone call. We knew this was something that we needed to pursue.??

The Patterson?s were close with the birth mother during the pregnancy, and they released their powerful baby announcement together on YouTube.

There were 10,000 views in a single week.???

Becky Patterson said the dark days turned into a bright future with the addition of a bouncing baby boy!

?I can remember each night praying and thanking God for getting us through another day. Now we wake up with this baby boy laughing. God has breathed life back into us through this sweet gift.?

Christopher Stephen Patterson is now five months old and cute as a button.

Just a few minutes in a bouncy chair is enough to help the Patterson family bounce back.

Micayla?s pictures are still everywhere in the Patterson house. Becky Patterson says it?s almost like she?s looking down on her new baby brother.

?I don?t understand the concept of heaven and all she can see, but I do believe that she can see and understand. She was hilarious. So when I?m changing a diaper, or cleaning up spit up, or up in the middle of the night, I can feel her presence of laughter and joy.??

The Patterson?s are now Christopher?s legal parents, but they remain close with the birth mother.

Not everyone can understand giving up a baby, losing a child, or adopting one, but in this rare case, it all makes perfect sense.

The Patterson?s believe it?s a God thing. It?s hard to imagine how anybody else could have written this script.

Source: http://5newsonline.com/2012/10/29/springdale-family-experiences-loss-thankful-for-new-life/

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Gafner Law Firm Opens Albany Immigration Law Office | PRLog

PRLog (Press Release) - Oct 29, 2012 -
Gafner Law Firm is proud to announce the opening of its Albany Immigration Law Office. ?The firm focuses exclusively on immigration law, and hopes that its Albany immigration law office will enable it to provide the New York Capital Region with reliable immigration advice and legal services.

The firm provides services in all areas of immigration law, including family-based immigration, employment-based immigration, investor immigration, removal defense and naturalization.

The firm?s founder, Chris Gafner, was born and raised in Upstate New York and is eager to return to the area and offer his services to the many immigrants who call Albany, and the Capital Region, home. ?To learn more about the law firm, please review the firm?s Albany New York immigration law website (http://www.albanyimmigrationlaw.com). ?Additionally, if you have any questions, please feel free to contact the firm.

The Albany location is the firm's second location. ?Currently the firm also maintains a location in New York City, and has clients from throughout the United States and the world.

Source: http://www.prlog.org/12011345-gafner-law-firm-opens-albany-immigration-law-office.html

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17th killed: Somali journalist dies of wounds

MOGADISHU, Somalia (AP) ? A radio station editor in Somalia says a journalist who was attacked by gunmen last week has died of his wounds, bringing the number of journalists killed in targeted attacks in Somalia this year to 17.

Gunmen shot Mohamed Mohamud Turyare, a reporter at Shabelle radio, last week as the 25-year-old walked home. Editor Mohamed Bashir Hashi confirmed Monday that Turyare died of his wounds Sunday.

Though Mogadishu is safer than during years of warfare from 2007-2011, journalists face more danger than ever. Analysts believe journalists are being targeted by al-Shabab militants but also by business and political leaders unhappy with journalists' coverage.

Though it is growing stronger, Mogadishu still does not have a fully functioning government. No one has been arrested for any of the 17 killings this year.

Source: http://news.yahoo.com/17th-killed-somali-journalist-dies-wounds-093219672.html

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?Banned? iPad Mini Promo Makes Sure We Know It's Not an iPod ...

Making fun of those white-background Apple product launch videos is one of the internet?s favorite parody styles, and the iPad mini with its disappointing (to some) sets of specs and high price tag is ripe for such ridicule.

No retina display? Outdated processor? Who cares? It?s still revolutionary?right?

?All of these efforts combine to create a product with an exceptional level of finish, and the result is an extraordinary iPad ? one that will be used until a faster processor is developed, as well as the technology to put a retina display inside such a tiny device, and a higher megapixel camera.

But who knows when that?ll be? That?s at least 7 months into the future. The iPad mini is the future. It?s the future until May ? at least. Probably more like the end of May. Or more than likely June. iPad Mini is now the future until then,? says Jony Five, ?Senior VP of Design.?

Check out the ?banned? promo video below:

These guys aren?t rookie Apple product-lampooners. They provided their sarcastic criticism of Apple?s product launch cycles back in September with their ?banned? promo video for the iPhone 5.

Source: http://www.webpronews.com/banned-ipad-mini-promo-makes-sure-we-know-its-not-an-ipod-touch-2012-10

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How to make stem cells: Nuclear reprogramming moves a step forward

ScienceDaily (Oct. 29, 2012) ? The idea of taking a mature cell and removing its identity (nuclear reprogramming) so that it can then become any kind of cell, holds great promise for repairing damaged tissue or replacing bone marrow after chemotherapy. Hot on the heels of his recent Nobel prize Dr John B. Gurdon has published October 29 in BioMed Central's open access journal Epigenetics & Chromatin? research showing that histone H3.3 deposited by the histone-interacting protein HIRA is a key step in reverting nuclei to a pluripotent type, capable of being any one of many cell types.

All of an individual's cells have the same DNA, yet these cells become programmed, as the organism matures, into different types such as heart, or lung or brain. To achieve this different genes are more or less permanently switched off in each cell lineage. As an embryo grows, after a certain number of divisions, it is no longer possible for cells which have gone down the pathway to become something else. For example heart cells cannot be converted into lung tissue, and muscle cells cannot form bone.

One way to reprogram DNA is to transfer the nucleus of a mature cell into an unfertilized egg. Proteins and other factors inside the egg alter the DNA switching some genes on and other off until it resembles the DNA of a pluripotent cell. However there seem to be some difficulties with this method in completely wiping the cell's 'memory'.

One of the mechanisms regulating the activation of genes is chromatin and in particular histones. DNA is wrapped around histones and alteration in how the DNA is wound changes which genes are available to the cell. In order to understand how nuclear reprogramming works Dr Gurdon's team transplanted a mouse nucleus into a frog oocyte (Xenopus laevis). They added fluorescently tagged histones by microinjection, so that they could see where in the cell and nucleus the these histones collected.

Prof Gurdon explained, "Using real-time microscopy it became apparent that from 10 hours onwards H3.3 (the histone involved with active genes) expressed in the oocyte became incorporated into the transplanted nucleus. When we looked in detail at the gene Oct4, which is known to be involved in making cells pluripotent, we found that H3.3 was incorporated into Oct4, and that this coincided with the onset of transcription from the gene." Prof Gurdon's team also found that Hira, a protein required to incorporate H3.3 into chromatin, was also required for nuclear reprogramming.

Dr Steven Henikoff, from the Fred Hutchinson Cancer Research Center, commented, "Manipulating the H3.3 pathway may provide a way to completely wipe a cell's 'memory' and produce a truly pluripotent cell. Half a century after showing that cells can be reprogrammed this research provides a link to the work of Shinya Yamanaka (who shared the prize), and suggests that chromatin is a sticking point preventing artificially induced reprogramming being used routinely in the clinic."

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Journal Reference:

  1. Jerome Jullien, Carolina Astrand, Emmanuelle Szenker, Nigel Garrett, Genevieve Almouzni and John Gurdon. HIRA dependent H3.3 deposition is required for transcriptional reprogramming following nuclear transfer to Xenopus oocytes. Epigenetics & Chromatin, 2012 DOI: 10.1186/1756-8935-5-17

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Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/GV92m3o8onU/121029082221.htm

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