Diabetics at Greater Risk of Developing Dry Skin, Infection
PR Newswire, Oct 29, 2009
The American Diabetes Association’s Stop Diabetes(SM) movement shines light on proper skin care this November during American Diabetes Month(R)
MAPLE GROVE, Minn., Oct. 29 /PRNewswire/ — As American Diabetes Month approaches, leading experts like Dr. Jacqueline Sutera, DPM, stress the importance of foot care, especially for those with diabetes. People with diabetes are at a greater risk of developing dry skin due to nerve damage.(1,2)
In the United States 23.6 million people have diabetes.(3) While the disease may present many challenges, most skin conditions associated with diabetes can be prevented, or if detected early, easily treated.(4)
Diabetes may damage the nerves in the skin, which can impair the body’s ability to sweat. Without this function, skin that is normally well hydrated becomes dry, and then cracks. When blood glucose is high, the body loses fluid. With less fluid, the skin can become dry and itch, causing one to scratch their skin and make the dry skin sore.(1,2) If left untreated, cracked, dry skin can open the door to very serious complications such as bacterial and fungal infections.(5)
“There are many preventive steps people with diabetes should take to reduce the likelihood of complications from dry skin on the feet,” said Sutera. “Regular visits with a podiatrist, who can examine your feet, along with meticulous daily foot care, are vital to helping feet stay healthy.”
One of every three people with diabetes will experience some type of skin disorder.(4) You can help to maintain healthy skin with a few lifestyle adjustments:
-- Keep your glucose levels well managed to decrease likelihood of dry
skin.
-- Keep skin clean and dry by using talcum powder in areas where skin
touches skin, such as anti aging armpits and groin.
-- Avoid using very hot water when bathing, limiting bath and shower time
to between 5 and 10 minutes, and use a mild or moisturizing
soap/shampoo/conditioner.
-- Apply a moisturizing lotion or cream immediately after bathing - while
the skin is still moist - to help retain water in the skin and to
prevent chapping.
-- Check feet every day for sores and cuts. After bathing or showering,
dry feet thoroughly and apply a moisturizer, except between toes.
Careful, too much moisture there can increase the risk of
infection.(5)
The American Academy of Dermatology recommends lactic acid-based moisturizers as an option to help heal severely dry skin.(8) “By using a thin coat of foot lotion like AmLactinA’ Foot Cream Therapy, a lactic acid-based product to help keep the skin moisturized, diabetics will be taking a positive step forward to healthy feet,” explained Sutera.
Lactic acid, an extremely effective humectant, is a naturally occurring substance that attracts water molecules to the skin to keep it hydrated. No prescription is needed for AmLactinA’ products, but patients should see their doctor regularly to make sure their foot care needs are met.
AmLactinA’ Foot Cream Therapy has been awarded the American Podiatric Medical Association’s Seal of Approval for its superior hydration formula and AmLactinA’ remains the No.1 recommended moisturizer by podiatrists.(7)
About the AmLactinA’ Family of Moisturizers
All AmLactinA’ products are available at fine retailers nationwide
AXA Group 9M 2009 Activity Indicators
PR Newswire, Oct 29, 2009
Trends in Line With 1H09
PARIS, Oct. 29 /PRNewswire-FirstCall/ –
Resilient revenues Total revenues were down 2% to EUR68,094 million On a comparable basis, total oregon auto insurance quotes revenues were down 5%: -- Life & Savings down 6% to EUR42,706 million -- Property & Casualty up 1% to EUR20,524 million -- Asset Management down 31% to EUR2,253 million Positive insurance net inflows Life & Savings: EUR 7.0 billion P&C;: 919,000(1) net new personal contracts Asset Management: EUR-51 billion Enhanced Solvency
September 30, 2009 Solvency I ratio slightly above 140%(2) (vs. 133% as of June 30, 2009)
Chairman’s statement
“Our top line trends for the first nine months are in line with the ones observed in the first half of 2009, with a modest revenue drop and continued positive insurance net inflows,” said Henri de Castries, Chairman of AXA’s Management Board.
“Life and Savings revenues recovered modestly in the third quarter, notably with a solid performance in France. Our unit-linked business remained below normal trends, as clients evaluate the impact of the market environment on their investment plans and investment decisions
Personnel.(NEWS)(Tim Russi appointed at GMAC Financial Services Inc.)(J. Michael Pearce promoted at J.D. Byrider Autos Inc.)(Eric Gebhard appointed at JM Family Enterprises Inc.)(Brief article)
Automotive News, September, 2009
GMAC FINANCIAL SERVICES Tim Russi, 46, to executive vice president in charge of North American automotive operations. He had been CFO of GMAC Global Auto Finance and Insurance.
Russi will oversee the development of GMAC’s financing programs and services for auto dealers and retail customers.
J.D. BYRIDER J. Michael Pearce to vice president of franchise development. He had been senior vice president of development for bd’s Mongolian Grill
Commentary: Too little, too late for everything that's too big to
Long Island Business News, Oct 30, 2009 by John Kominicki
First we had banks too big to fail, then Wall Street paychecks too big to swallow. Now comes word that there are entire companies out there that Washington thinks are, well, yes, just too damn big for their own good. Or our own good.
This “too big” business all started with the financial crisis last year, during which we discovered that there were banks and investment firms in America actually capable of taking down the world economy. No, wait. They actually did take down the world economy.
Anyway, the point is that a bank that powerful just can’t be allowed to close shop. So, Washington rushed in to save all the banks that were too big to fail by letting some of them, um, fail, and then propping up the rest with an infusion of billions of tax dollars. Some of the surviving too-big banks were forced to buy pieces of the failed too-big banks, making them too-too-big to fail.
J.P. Morgan Not Much Left To Chase, for example, now controls more than one dollar of every 10 on deposit in the country. Ditto for Wells Fargo and ditto, too, for Bank of America, which was forced to buy the too-big-but-not-saved Merrill Lynch. Add in Citigroup, which was saved, and you have a born-again foursome that controls half the mortgages in America and two out of every three credit cards.
Now that’s big.
Propped up by those billions in government aid, and with fewer too-big banks to compete with, the remaining too-too-big banks have been on an earnings rampage, reporting quarterly profits big enough to make Chevron blush.
They’ve also quietly raised fees to consumers, jacking up credit card interest and increasing charges related to deposits by an average of 8 percent, according to a Federal Reserve Bank survey.
This has led to monster bonuses for the firms’ top executives, many of whom played a lead role in taking down the world economy, but who were kept around because they were too smart to be fired.
You can imagine the shock in our nation’s capital as the very people who saved the too-big banks began to realize that the too- smart executives were about to receive too-big bonuses, even as the rest of the country made do with too-few sony bdp-s560 jobs and too-little income.
What too do? Why, appoint a “czar” to handle the problem, just as we’ve done when facing national emergencies with drugs and energy. Unlike those czars, however, this one would actually get to do something, namely, decide who deserves what at the government- backed banks, plus the auto companies and AIG for good measure, for a total of 175 executives at seven companies.
The job went to Ken Feinberg, a Washington mediator who had distinguished himself in a similarly pesky role, that of trying to equitably compensate victims of 9/11
The Chance to Love Sydney & Win a Trip Extends!
PR Newswire, Oct 29, 2009
Sydney, Australia Facebook Page Invites More Fans to Enter and Win Dream Vacation
NEW YORK, Oct. 29 /PRNewswire/ — Australia’s Tourism New South Wales (NSW) today announces an extension of its Sydney Facebook Life Points Contest. Hosted on the official Sydney, Australia Facebook Page the contest will continue through November 15th giving U.S. globetrotters the chance to win an unforgettable vacation including roundtrip airfare on V Australia staying at the Sydney Harbour YHA.
Until November 15th, Facebook members can enter the Sydney Facebook cheap airfare Life Points Contest by becoming a “fan” of Sydney, Australia — the ultimate resource for young Americans interested in gaining life experience in Sydney including deals on flights and accommodations. Fans will complete their entry by choosing their favorite Sydney Life Points experience and posting it on the Sydney, Australia wall. Need more inspiration? Fans of Sydney, Australia can also add the Life Points application — a forum for modern day nomads to share and aspire to adventures in Sydney, Australia — to their profile where they can explore even more of what Sydney has to offer. Two lucky winners will be awarded a dream vacation for two to Sydney where they will experience all that the city has to offer.
NSW Minister for Tourism Jodi McKay says, “We are thrilled to continue offering an innovative way for young travelers and adventure fans to win a trip to Sydney,” Ms
Katzman Garfinkel Rosenbaum Reminds Community Associations and Homeowners of Deadline for Re-Opening or Filing New Claims From Hurricane Wilma
Market Wire, October, 2009
October
24th marked the fourth anniversary of Hurricane Wilma and Katzman Garfinkel
Rosenbaum, a statewide law firm that focuses on the representation of
condominium and homeowner associations (HOAs), is advising all associations
and homeowners that they only have one year left to re-open or file a new
claim for damage resulting from Hurricane Wilma.
“Many associations do not readily see the connection between storm damage
and their current economic woes, but that connection may be closer than
they think,” said Donna Berger, a Managing Partner of Katzman Garfinkel
Rosenbaum.
Typically, the deadline is five years to make a claim with an association’s
insurance carrier after a casualty loss, unless the claim was cut short by
a FIGA deadline, an appraisal award or a signed release agreement that
specifically used the word “release.” The deadline to file insurance claims
for Wilma is October 24, 2010, and more information can be found at
http://www.wilmaclaims.com/ .
There are several reasons why associations might not have received the
proper insurance proceeds for this storm damage. Many submitted claims and
were told that they did not reach the deductible, or they received money
but not enough to pay for repairs. Others never made claims because they
either felt they did not meet the deductible, the damage was not discovered
at the time, or they feared having coverage canceled or rates raised.
Common myths about filing or re-opening previous claims, include:
1. If you file a claim you will be dropped. This is false. It is illegal
under Florida law for colorado auto insurance quotes insurance companies to drop policyholders for filing
claims. Specifically, Section 627.4133(3) provides: Claims on property
insurance policies that are a result of an act of God may not be used as a
cause for cancellation or nonrenewal.
2. If you file a claim your insurance rates will go up. Again, this is the
same issue as #1. Insurance companies must submit rate increases to the
State for approval. Whether or not the association makes a claim will not
impact the carrier’s business decision to move forward with a proposed rate
increase.
3. Your damage did not come close to exceeding your deductible. This is a
common scenario in which many policyholders give up and pay for insured
damage out of their own pockets. Damage visible to the naked eye may not
tell the whole story of damage which your personal and real property may
have suffered. Trained experts can properly advise associations on the full
extent of the damage inflicted including structural damage, mold, loss of
power, relocation expenses, cleanup and dumpster costs, etc. If the
community endured a special assessment to pay for storm damage it may have
been on the receiving end of the deductible denial; and
4. If you already received a check from your insurance company it is too
late to revisit your claim. Unless you signed a release, receiving funds
alone does not prevent one from pursuing the carrier for the full extent of
damage suffered.
“Unfortunately, because most owners and/or association board members lack
the experience and expertise to deal with these situations, many simply do
not know their rights with regard to casualty claims or are bullied into
accepting less than they deserve,” Berger said.
Boards, particularly new ones that were not seated at the time any damage
was incurred, would be well advised to have their property inspected as
soon as possible in order to provide themselves with the reassurance that
they were paid in full by their carrier or to arm themselves with the
ammunition needed to recover the amounts that still might be owed.
Donna D. Berger, Esq. is the Managing Partner of the Ft. Lauderdale Office
of Katzman Garfinkel Rosenbaum (KGR) a firm that specializes in community
association representation and casualty law. Ms. Berger can be reached at
954-315-0372 or via email at dberger@kgrlawfirm.com .
About Katzman Garfinkel Rosenbaum:
Katzman Garfinkel Rosenbaum is a statewide law firm that focuses on the
representation of community associations. The Firm presently maintains
offices in Fort Lauderdale, Orlando, Naples and West Palm Beach. The firm
offers residents living in all types of common interest ownership
communities with a complete set of services including general corporate
representation, collection, first party insurance claim recovery and
construction defect litigation. It was one of the first firms to advance
all fees and costs on behalf of communities that are forced to pursue
collection of delinquent assessments
SB 375: promise, compromise and the new urban landscape
UCLA Journal of Environmental Law & Policy, Winter, 2009 by John Darakjian
I. INTRODUCTION
II. TRANSPORTATION, LAND USE AND GLOBAL
WARMING
III. THE SMART GROWTH PEDIGREE: THE SLOW
GROWTH MOVEMENT, AB 857 AND THE SACOG
BLUEPRINT
A. The Slow Growth Movement
B. AB 857
C. The SACOG Blueprint
IV. SB 375: STRUCTURE, IMPLEMENTATION AND THE
ROLE OF CARB
A. The Role of CARB
B. The RTP and SCS
C. The APS
D. CEQA Exemptions and Streamlining
i. Residential or Mixed-Use Projects
Consistent With SCS/APS
ii. Transit Priority Projects
E. Housing Element Reform
V. OBSTACLES TO IMPLEMENTATION
A. Transportation Infrastructure: Smart Growth's
Missing Link
B. APS, Feasibility and the Breakdown of Internal
Consistency
C. California's Land Use Status Quo: Loose Ends,
Local Ties
D. California's Changing Landscape
VI. RECOMMENDATIONS
A. Infrastructure
B. Actions by CARB
i. Compliance Clarity
ii. Provision of GHG Emission Evaluation
Guidelines
C. Consider Amendment
VII. CONCLUSION
I. INTRODUCTION
On September 27, 2006, California Governor Arnold Schwarzenegger signed into law AB 32, (1) the Global Warming Solutions Act, widely considered the most comprehensive and progressive piece of legislation ever drafted to address the causes of anthropogenic climate change. The statute gives the California Air Resources Board (CARB) broad authority to regulate any source of greenhouse gas emissions (GHGs), including those from the transportation and land use sectors. (2) The eleventh-hour enactment of SB 375 in September, 2008 represents the first legislative step towards aligning the state’s future land development with AB 32′s emissions reduction goals. (3) Vaunted as a “trifecta of the impossible” by one of the statute’s contributory drafters, (4) SB 375 seeks to harmonize three distinct areas–regional housing need, transportation infrastructure development and statewide air quality goals–in one comprehensive program. The law builds upon existing regulatory structures and seeks to incentivise compact development through a mix of project funding and process streamlining all targeted toward one end: reducing vehicle miles traveled (VMT) among California’s 23 million licensed drivers. (5) Whether SB 375 will herald a new era of smart growth or simply add additional strata to an already complex planning process remains to be seen.
This Comment will look to past failures and present successes to determine what potential obstacles may arise in implementing the nascent law. Additionally, the Comment provides recommendations, both legislative and administrative, intended to bridge the gap between the untested language of the statute and practical achievement of its goals.
Understanding both the promise and potential pitfalls of SB 375 requires analyzing the law’s overall structure to find the balance between what its language mandates and what the statute hopes to achieve through incentive–determining what must be done and what is still left to the caprice of local and regional governments. Beginning with Part II, this Comment will atlanta real estate explore the environmental crisis and regulatory context under which the statute was conceived and ultimately enacted. The global and regional effects of climate change will also briefly be discussed. Part III will look to California’s historical attempts to legislate smart growth, evaluating both the efficacy and structure of previous programs. These early state efforts to constrain suburban sprawl are presented as the evolutionary predecessors to SB 375, informing our understanding of this newest legislative species and providing an historical base from which to evaluate its potential for success or failure.
Part IV provides an overview of the statute’s basic functional structure. The bill is not a stand-alone law but instead amends current regional transportation and environmental statutes. SB 375 inserts additional documentation into the regional transportation plan (RTP) already required under state and federal law (6) and adopts new regulatory procedures under the California Environmental Quality Act (7) (CEQA) for those projects meeting specified criteria. The section will also discuss how and by what time frame emissions-reduction targets will be assigned by CARB to each of the state’s seventeen metropolitan planning organizations (MPOs) as well as the relative authority and obligations assigned to each of these various agencies. Additionally, the means by which the statute seeks to align the previously discrete housing-need allocation and transportation planning processes will be explored. Consideration of the workings of SB 375 illustrates the extent to which the new statute transforms the landscape of land use regulation in California and the degree to which previous structuring remains unchanged. The consequences of these issues will be discussed in detail in the subsequent sections.
Viewed from any perspective, SB 375 is legislation born of compromise. The statute endured fourteen amendments between its introduction and eventual adoption as its author attempted to appease the many stakeholders–builders, environmentalists, local and regional governments–whose concerns and concessions are now embodied in the law’s text. As a result, the law is far less robust than it might otherwise have been, sacrificing strict mandate for incentive and suggestion in a bid for adoption. Part V will explore the effects of this compromise on regulatory consistency under SB 375 and the end run around compliance provided via the statute’s alternative measures
In season: mushrooms
Natural Health, Nov, 2009 by Daniel Mazori
Eating as little as one mushroom a day–even the everyday white button–could cut your risk of breast cancer by 64 percent, according to a colon cancer surgery 2009 study in the International Journal of Cancer. Here are three varieties that are in season now.
* SHIITAKE mushrooms pack 3 grams of fiber per cooked cup.
* OYSTER mushrooms contain 11 percent of your daily iron in just one mushroom.
* WHITE BUTTON mushrooms offer vitamin B12 and vitamin D. Try them tonight in this easy quesadilla recipe:
In a large skillet over medium-high heat, heat 2 tablespoons olive oil. Add 2 pounds sliced white button mushrooms; cook until they’re red-brown on one side (about 5 minutes). Sprinkle 1 teaspoon salt, flip mushrooms, and cook until they’re red brown on the other side (about 5 minutes).
To assemble the quesadillas, evenly distribute the following onto six soft tortillas (in this order): 1 cup shredded cheese (such as reduced-fat cheddar or Monterey Jack), 2 sliced avocados, sauteed mushrooms, 6 tablespoons fresh cilantro, and 1 additional cup shredded cheese. Fold tortillas in half and grill in the same skillet until cheese melts, then flip to cook other side
Muntons PLC Unveils ‘Touch of Class’ Packaging for Connoisseurs of Beer Brewing
PR Newswire, Oct 28, 2009
SEATTLE, Oct. 28 /PRNewswire/ — Muntons PLC, maltsters and malted ingredients manufacturers based in Stowmarket Suffolk, United Kingdom, with a North American office in Seattle, Washington, has announced its new line of packaging developed specifically for the growing beer brewing connoisseurs market.
The packaging design focuses on the freshness and quality of the brewers’ end products using coordinated photography featuring pilsners and mugs of each brewed flavor with a clean white background that reinforces eye-popping contrast. The design includes Muntons’ exclusive Pilsner, Nut Brown, Traditional Bitter, IPA Bitter, Continental Lager, Export Pilsner, Wheat Beer, Yorkshire Bitter, Bock Beer and Export Stout.
Andy Janes, General Manager, MMI Marketing of Muntons PLC, says the packaging showcases each brewkit’s product in the highly successful “Connoisseurs” line of brewkits. “We also think the clean lines and minimized text coordinates well with Muntons select designation as London’s The Sunday Times ‘Top 60 Best Green Companies’ awards, published earlier this year.” Muntons was awarded for a number of initiatives involving operations at its factories in Stowmarket, Suffolk, and Bridlington, East Yorkshire, and photography art for its employees’ green initiatives.
“We think retailers will be pleased to stock this image-based packaging and master brewers and connoisseurs will appreciate the aesthetic,” said Janes.
Company background
Founded 80 years ago, Stowmarket-based Muntons produces a range of malt products and malted ingredients for sale at retail and for use by food and beverage manufacturers
Immune defense and repair systems in biologic medicine: clinical relevance of biological response modifiers in autoimmunity diagnosis, treatment, tests and interpretation part 2
Townsend Letter, Nov, 2009 by Russell Jaffe
Editor’s note: Written in 1987, this article is presented as a classic yet timely article for today’s health professional. This is the second part of three parts in this series.
Clinical Tests of Immune Function and Response.
Various clinical tests are currently in use for assessing an individual’s adverse response to environmental antigens. Antibody assays can be performed, most easily for immunoglobulin G (IgG). (44-46) This has the advantage of examining the immunologic memory of the person. Antibodies capable of inciting a delayed response can be of the IgA, IgM, or IgG class, as not all IgG antibodies induce symptomatic responses. (44-46)
Four subclasses of IgG have been identified. These subclasses have different biologic functions and vary independently in get rid of hemroids different clinical conditions. This makes clinical interpretation of total IgG antibodies against specific antigens a challenge. lgG1 and lgG3 fix complement most efficiently through their binding to C1q and bind to granulocytes. Counterbalance to lgG1 and lgG3 may be provided by lgG2 in some circumstances. Only lgG4 is cytophilic for mast cells
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