Copyright ? 2011? SoonersIllustrated.com and Scout.com. All rights reserved. This website is an unofficial independent source of news and information, and is not affiliated with any school, team, or league.
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(Reuters) ? The Securities and Exchange Commission won a delay in its securities fraud lawsuit against Citigroup Inc, as the regulator tries to appeal a judge's decision to reject its $285 million settlement with the bank.
The case will be put on hold until a motions panel on January 17 begins considering the SEC's bid for a longer delay so it can pursue an expedited appeal, the 2nd U.S. Circuit Court of Appeals in New York said in its order on Tuesday afternoon.
That order was made public 78 seconds before U.S. District Judge Jed Rakoff, who rejected the Citigroup settlement last month, issued a ruling opposing any delay in the case, court records show. Citigroup supported the SEC's request for a delay.
The rulings come as the SEC tries to ensure it can continue settling enforcement cases without requiring corporate defendants to address whether they did anything wrong.
That practice was called into question when Rakoff on November 28 harshly rejected the proposed settlement with New York-based Citigroup.
He said the SEC's failure to require Citigroup to admit or deny its charges left him no way to know whether the settlement was fair. Rakoff also called the $285 million payout "pocket change" for the third-largest U.S. bank.
But the SEC said that ruling was "legal error," at odds with decades of court decisions allowing such settlements and letting investors get faster recoveries, and could affect its ability to reach similar accords with other companies.
SEC spokesman John Nester declined to comment. Citigroup spokeswoman Danielle Romero-Apsilos repeated that the bank disagreed with Rakoff's November 28 decision, and would have "substantial factual and legal defenses" at a trial.
The October 19 settlement was intended to resolve charges that Citigroup sold $1 billion of risky mortgage-linked securities in 2007 without telling investors that it was betting against the debt, and caused more than $700 million of losses.
Citigroup's $285 million payment was to include $160 million of disgorged profit and fees, $30 million of interest and a $95 million civil fine.
IRREPARABLE HARM, OR ILLUSORY HARM?
In a filing on Tuesday morning with the 2nd Circuit, the SEC said the urgency to put the case on hold came after Rakoff in a teleconference this month told Citigroup to answer the charges by January 3, 2012 - or 27 days sooner than federal rules require.
An answer can force Citigroup to deny some or all of the SEC allegations, or seek to dismiss the case entirely.
But this would cause the SEC "irreparable harm" by forcing it to devote substantial resources to the case, and would "disrupt a central negotiated provision" in which Citigroup agreed not to deny the allegations, the regulator said.
In his decision on Tuesday, which the motions panel may choose to follow or not follow, Rakoff said it is "patently clear" there was no statutory basis to appeal his November 28 ruling, and "derail the orderly conduct" of the case.
The judge said this was because the appeal focused on his alleged error in demanding more facts about the case, rather than on the injunctive relief provided by the settlement.
He also said the alleged harm faced by the SEC was "largely illusory" because the regulator is pursuing a related case arising out of the same facts against a Citigroup employee, director Brian Stoker, who contests the regulator's charges.
The SEC has asked Congress for authority to seek larger penalties in corporate cases than the law now allows.
Rakoff has set a July 16, 2012 trial date.
The cases are SEC v Citigroup Global Markets Inc, 2nd U.S. Circuit Court of Appeals, No. 11-05227; and U.S. District Court, Southern District of New York, No. 11-07387.
(Reporting by Jonathan Stempel in New York; Editing by Gary Hill)
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JERUSALEM?(JTA) -- A radical Islamist party in Egypt that said it would respect the country's peace treaty with Israel has amended its statement to say it is against "normalization" between the two countries.
The Salafi Al-Nour party, which won up to 30 percent of the vote in the first two rounds of parliamentary elections in Egypt, reportedly said Sunday in a statement that the party will "stand firmly against normalization between the two countries in all forms, and are against ties with any entity that wants to harm the Egyptian identity."
Last week, a spokesman for the party announced in an interview with Israel's Army Radio that the party would respect all treaties signed by Egypt, including the 1979 peace treaty with Israel, though party leaders later clarified that the party is looking into the matter. The spokesman later told the Associated Press that he was not aware that he was talking to Army Radio.
He told the AP that the party supports changes to the peace agreement, including increasing the number of troops in the Sinai Peninsula, a number regulated by the treaty.
"We call for full Sinai rights for Egypt and for our brothers in Palestine and occupied lands, and we see this as directly related to the agreement," he told the AP.
The Salafi Al-Nour party finished second behind the Muslim Brotherhood's Freedom and Justice Party; the Muslim Brotherhood refuses to negotiate with Israel.
?
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"Chinese... gunpowder, silk and pandas cannot win us glory; the 100 LV bags of the county mayor's wife cannot win respect for our people." Source: http://twitter.com/melissakchan/statuses/151504042307223553
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NEW YORK (Reuters) ? Get ready. The last trading week of the year will be a test for stocks to prove whether they have the strength to carry a rally into next year.
The broad S&P 500 index broke through its 200-day moving average on Friday after turning positive for the year as a four-day rally lifted stocks following a spell of better-than-expected economic data. At Friday's close, the S&P 500 was up 0.6 percent for the year.
But despite the recent economic data that suggest the U.S. economy is on the right track to recovery, Europe's sovereign debt crisis is troubling investors and weighing on the market.
Many market participants are reluctant to believe in a "Santa Claus rally" this year, which refers to stocks' seasonal tendency to gain in the final five trading days of the year and first two trading days of the new year.
Warnings from major credit rating agencies on a potential downgrade of several European nations have kept investors on edge. After Standard & Poor's surprised financial markets back in August with a downgrade of the United States' triple-A credit rating on a Friday evening, investors worry a similar move could come at any time - even between Christmas and New Year's.
But the absence of European sovereign bond auctions for the next two weeks could lend support to stocks.
"The fact that there won't be a (European) bond auction until the second week of January, that takes away some spotlight from Europe, at least for a little while," TD Ameritrade chief derivatives strategist J.J. Kinahan said.
"Unless we get earth-shattering news, the S&P could go up to (the) 1,300 levels," he said.
The S&P 500 closed on Friday at 1,265.33.
The correlation between U.S. stocks and European sovereign bond yields has been high, especially the link with Spanish, Italian and German bonds. A poor bond auction in any one of these countries could trigger an instant selloff in the U.S. stock market.
SANTA CLAUS VS BEAR CLAWS
What happens next week is important as it sets a tone for the coming year.
"If Santa should fail to call, bears may come to Broad & Wall," so goes the Wall Street adage, according to the Stock Trader's Almanac.
Ari Wald, a technical strategist at Brown Brothers Harriman, said the key level on the S&P 500 to watch is 1,260, which is a resistance from the index's downward sloping 200-day moving average and the downtrend connecting its October and December peaks.
"A breakout above this supply would argue for continued seasonal strength through the first quarter of 2012," he said.
He also noted that 1,200 is support from the index's downward sloping 100-day moving average and the uptrend connecting its October & November lows.
"A breach of this demand could stir additional technical selling to 1,130-1,150 intermediate-term support," Wald said.
With many investors absent until the start of 2012, trading volume is expected to be light, creating more volatility.
Next week's data includes the S&P 500 Case-Shiller House Price Index and consumer confidence data on Tuesday.
The Chicago Purchasing Managers Index and pending home sales data are due on Thursday. After a strong gain in November, the Chicago index is seen giving back a modest amount in December.
(Reporting By Angela Moon; Editing by Jan Paschal)
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Ever hurt yourself during the holidays?
photos New photos of the Rena Over 280 of the 1368 shipping containers have been removed from the stricken cargo ship Rena since it ran aground on the? View
Auckland
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"); $('#trafficcontent').append($div); }); // set cookie so this tab is remembered when we come back $.cookie('traffic',road.abbrev,{expires:365}); }); // if nothing is selected yet select the first tab, otherwise see if we can match the cookie if (road.abbrev == $.cookie('traffic')){ selected_li = $li; } $('#traffictabs').append($li); }); // end of closure / loop // if something was selected via cookie then click it if (selected_li) { selected_li.click(); // otherwise pick something random } else { var tabs = $('#traffictabs li') var index = Math.floor(Math.random() * (tabs.length)); $(tabs[index]).click(); $.cookie('traffic',null); } });Source: http://www.nzherald.co.nz/world/news/article.cfm?c_id=2&objectid=10775188&ref=rss
Read more of this story at Slashdot.
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December 23, 2011 | 09:58 YEREVAN. ? Late Friday evening, police officers took into their vehicles 7-8 homosexuals, from the Komaygi (Park) nearby Armenian capital Yerevan?s City Hall, and took them to the police precinct. ?There is no other detail,? Zhamanak daily writes. ? ??
?Confirming this news, Zhamanak?s source said no one from Yerevan City Hall has been able to ?clean? the sidewalk, right across the City Hall, from homosexuals, so [Mayor] Taron Margaryan considers it his debt to solve that problem once and for all,? Zhamanak writes.
Source: http://news.am/eng/news/87010.html
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Shutting down social media during times of civil unrest would be "actively unhelpful" and should not happen, a committee of MPs has said.
The Home Affairs Committee said that evidence from the riots in English cities in August showed that law enforcement had used social media to tackle the problem and that rioters had used traditional media in addition to social media to arrange their activities.
Prime Minister David Cameron said around the time of the riots that the Government would consider stopping people from using social networks in times of public disorder, but the Government later said that it is not looking to introduce new powers to do so. The Committee heard evidence from social media providers, the police and MPs before determining that a shutdown would not be merited.
"Although there is some evidence that BlackBerry Messenger and to a more limited extent Facebook were used to incite criminal behaviour, none of our witnesses recommended shutting down social media during times of widespread and serious disorder," the Committee said in its 'Policing Large Scale Disorder: Lessons from the disturbances of August 2011' report (49-page / 322KB PDF).
"They all agreed that there were positive and negative aspects to the use of such media and that, in the words of Acting Commissioner Tim Godwin, it would have been a 'net negative to turn it off.' Even David Lammy, who called for the suspension of BlackBerry Messenger while the disorder was taking place, said: 'I called for suspension in the heat of the problems. Clearly, the police were able to get order without suspension, so that is not my view now'. It would be actively unhelpful to switch off social media during times of widespread and serious disorder and we strongly recommend that this does not happen," the Committee said.
During the time of the riots debate centred on whether the Government would introduce new powers in order to shut down social media. Although the Government subsequently said it was not seeking new banning powers there are existing powers that enable it to shutdown communications in certain circumstances.
Under the Communications Act the Culture Secretary can force Ofcom, the UK's communications regulator, to order communication providers to suspend their service if he has "reasonable grounds for believing that it is necessary to do so" if it is in "the interests of national security" or "to protect the public from any threat to public safety or public health". Ofcom is obliged to carry out the Culture Secretary's order by giving specific directions to service providers on what "networks, services and facilities" the order relates to and can force the provider to keep the suspension measures in place "indefinitely". Ofcom "may impose such conditions on the relevant provider" that appear to it "to be appropriate for the purpose of protecting that provider's customers", the Act states.
The regulator must, "as soon as practicable" after giving a suspension order, give the service provider "an opportunity of making representations about the effect of the direction; and proposing steps for remedying the situation". Ofcom can also impose conditions that will enable service providers' customers to be compensated for loss or damage as a result of the suspension of a service, or "in respect of annoyance, inconvenience or anxiety to which they have been put in consequence of [Ofcom's] direction".
Technology law expert Danvers Baillieu of Pinsent Masons, the law firm behind Out-Law.com, previously said that though the legal powers exist to ban the use of communications networks, in practice they would be hard to use.
?The Communications Act contains several sections, in particular section 132, which give ?emergency powers? to the government in times of national emergency,? Baillieu said. ?Given that this Act was passed in the wake of 9/11 the context is clear and suggests that these powers should only be used sparingly."
?It is not clear what jurisdiction Ofcom would have if it ordered Facebook to close its site, whether in the UK or globally. Equally, it is not clear that the Act gives Ofcom power to order the network providers, such as BT, to suspend their networks selectively, in order to block access to certain websites."
?We know from the attempts in the Middle East to block certain sites during the unrest in Iran and the Arab Spring, that organised protestors can easily by-pass local restrictions on sites using proxy servers and other technological techniques ? or just by moving over to alternative networks - rendering blocking totally ineffective."
?Even if companies such as Facebook and Twitter decided to co-operate voluntarily with UK authorities and suspend their services, it would be very difficult for them to know which accounts should be affected, unless they took down their entire service, which does not seem like something they would do voluntarily," he said.
Copyright ? 2011, OUT-LAW.com
OUT-LAW.COM is part of international law firm Pinsent Masons.
Source: http://go.theregister.com/feed/www.theregister.co.uk/2011/12/23/twitter_facebook_riots/
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WASHINGTON (AP) ? Part of the finance arm of General Electric Co. will pay $70 million to resolve complaints about the company's role in anticompetitive activity in the municipal bond investments market.
The Justice Department on Friday announced that GE Funding Capital Market Services Inc. also acknowledged illegal, anticompetitive conduct by its former traders.
The company acknowledged that from 1999 through 2004, certain former GE Funding traders manipulated the bidding process on municipal investment and related contracts. Those contracts were used to invest the proceeds of, or manage the risks associated with, bond issuances by municipalities and other public entities.
GE Funding will pay restitution and promised to cooperate fully with the Justice Department's Antitrust Division in its ongoing investigation into anticompetitive conduct in the municipal bond derivatives industry.
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Source: http://feeds.gawker.com/~r/gizmodo/full/~3/Y93_Au9FemU/red-spit-is-eating-this-steel-bridge
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WASHINGTON?? The Transportation Security Administration says officers found two throwing daggers hidden in a hollowed-out book at a checkpoint at Reagan-Washington National Airport.
A TSA spokesman says a passenger was stopped Monday when officers found the knives in the person's carry-on bag. The daggers measured just over a half-foot long and were hidden in the hard-cover book.
The passenger was flying to Chicago and surrendered the knives and book.
The TSA has the authority to fine passengers who bring deadly weapons into the airport checkpoint. It was not known if this was done in this case.
A spokesman for the airport did not immediately return a call for comment.
Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Source: http://www.msnbc.msn.com/id/45745190/ns/travel-news/
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HARDING, N.J.?? A small plane heading for Georgia crashed Tuesday on a major New York-area highway, spiraling out of control, breaking up and scattering wreckage across the road. All five people aboard were killed.
Federal investigators said the pilot had discussed icing with controllers just before the plane went down but were unsure what role, if any, icing played in the crash.
"(The icing conversation) was described to me as not a distress call, but as more of a conversation," NTSB spokesman Robert Gretz told The Star-Ledger.
The New York investment banking firm Greenhill & Co. said two of its managing directors, Jeffrey Buckalew, 45, and Rakesh Chawla, 36, as well as Buckalew's wife and two children, were on the plane that crashed on Interstate 287. No one on the ground was injured.
Buckalew was the registered owner of the single-engine plane and had a pilot's license.??
Wreckage was scattered over at least a half-mile-wide area, with a section found lodged in a tree of a home about a quarter-mile away, near a highway entrance ramp.
Chris Covello of Rockaway Township said he saw the plane spin out of control from the car dealership where he works in Morristown, near the site of the crash.
"It was like the plane was doing tricks or something, twirling and flipping. It started going straight down. I thought any second they were going to pull up. But then the wing came off and they went straight down," he said.
The high-performance, Socata TBM-700 turboprop had departed from nearby Teterboro Airport in New Jersey and crashed about 14 minutes into its flight. It was headed for DeKalb Peachtree Airport near Atlanta.
The pilot had a seven-second call with a controller about icing shortly before the crash, said Robert Gretz, an investigator with the National Transportation Safety Board, told a late-day news conference.
Gretz said he did not know if the pilot was reporting icing had occurred or was questioning the location of possible icing conditions. He said he was unaware of any icing on the ground that would have required deicing.
Only on msnbc.com
The Federal Aviation Administration said the pilot had requested clearance to a higher altitude shortly before the plane dropped off radar. The NTSB said the plane had climbed to 17,500 feet.
On an audio recording available online, an air traffic controller is heard telling the pilot about "moderate rime," or a coating of ice particles, up to 17,000 feet.
"We'll let you know what happens when we get in there," the pilot says. "If we can go straight through it, that's no problem for us."
A few minutes later, a different controller is heard telling another pilot about reports of moderate to severe icing up to 14,000 feet and moderate icing up to 17,000. "Pretty much everyone I'm talking to has had at least light to moderate," she says. "I've had one report of extreme at 14."
The crash left charred wreckage across the median and the highway, a heavily used route that wraps around the northern and western edges of the New York City area. A huge ball of charred metal sat in the middle of the northbound lanes. Both sides of the highway were shut down, only partly reopening by late afternoon.
Gretz said the plane just missed a truck on the southbound lanes before crashing into the median, then scattering wreckage across the wooded area and into the northbound lanes.
'Really scary'
David Williamson, 19, was doing maintenance at a golf course in Morristown when he spotted a plane in trouble, with smoke coming off both sides of the wings.
"It was really scary," he said.
When the plane crashed, he said, it sent up a "huge plume of thick black smoke."
Gretz said witnesses interviewed by investigators also described the descent as an uncontrolled spin.
Greenhill & Co. said Buckalew's wife, Corinne, and the couple's two children, Jackson and Meriwether, were traveling with him.
"Jeff was one of the first employees of Greenhill. He and Rakesh were extraordinary professionals who were highly respected by colleagues and clients alike," Greenhill Chairman Robert Greenhill and Chief Executive Scott Bok said in a joint statement. "They will be sorely missed and our sympathies go out to their families and friends."
Buckalew joined Greenhill in 1996 from Salomon Brothers. He was an experienced pilot with a passion for flying, Greenhill said.
According to The Wall Street Journal, Buckalew was played a key role in the merger of Delta Air Lines and Northwest Airlines in 2008.
"The firm is in deep mourning over the tragic and untimely death of two of its esteemed colleagues and members of Jeff's family," the company statement said.
Authorities said a dog aboard the plane was also killed.
The occupants of the plane were headed to Georgia for a combination of personal and business reasons, Gretz said.
NBC News, The Associated Press contributed to this report, as did msnbc.com staff.
Source: http://www.msnbc.msn.com/id/45737902/ns/us_news-life/
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MOSCOW (Reuters) ? The Russian customs service said on Friday it had seized radioactive material found in the luggage of a passenger bound for Tehran at Moscow's Sheremetyevo international airport.
The service said in a statement that tests showed the material was a radioactive isotope which could be obtained only "as a result of a nuclear reactor's operations."
(Reporting by Gleb Bryanski, Editing by Timothy Heritage)
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Rooney Mara is set for her big breakout in the upcoming "The Girl With The Dragon Tattoo," but it's not as if the 26-year old is making her Hollywood debut. That came in a 2006 episode of "Law & Order: SVU," though she seems to rather regret that first big show business outing.
"It was so awful. So stupid," Mara tells Allure of her turn on the show. "Me and my boyfriend -- although I [didn't] look old enough to have a boyfriend -- went and beat up these fat people, and at the end of the show you find out that I used to be obese and I hate fat people. It's ridiculous. Who would ever do that? Who would beat someone up because they're fat?"
Unfortunately, the answer is that a lot of people would, which is probably why it made it to the ripped-from-the-headlines show. In any case, it was just the first of a series of different TV and film appearances over the next five years. There were the episodes of "Women's Murder Club," "The Cleaner" and "ER," as well as parts in "Youth In Revolt," "Tanner Hall," "A Nightmare On Elm Street" and then, the fateful opening scene in "The Social Network."
That Oscar-nominated film's director, David Fincher, was won over by Mara's scene-stealing dumping of Jessie Eisenberg's Mark Zuckerberg, and fought to make sure she got the lead in his adaptation of "The Girl With The Dragon Tattoo." In fact, her light resume actually worked in her favor when it came to that casting call.
"I don't think [director] David [Fincher]'s intention was ever to hire someone well-known," she tells Allure. "To make this movie, he needed someone that people were unfamiliar with because it's the only way they would really believe this character. She's such a mystery. You couldn't hire someone that people already have a relationship with."
For more, click over to Allure.
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Mobile devices like Android smartphones and tablets have sparked a new era in retro gaming. While top-of-the-line smartphones can handle HD games, the slower processors and graphics chips on lower-end models can only handle lower-powered games ... and not just games that were originally made for Android, but games made 10 or more years ago for consoles like the Sega CD and the PSOne.
Some of these games are available unofficially through emulator apps (those that haven't been pulled from the Market), but others have seen official re-releases. Here's a look at some classic console games that have been re-released for Android smartphones and tablets:
Sonic CD
It's not quite as well known as some of the blue hedgehog's other adventures, but Sonic's Sega CD debut was notable for having CD-quality audio, as well as animated cutscenes. The Android re-release features leaderboards, achievements, and 16:9 widescreen instead of the original 4:3 aspect ratio, as well as both the Japanese and North American versions of the soundtrack.
Another Sega title available in the Android Market: ChuChu Rocket, a puzzle game originally developed by Sonic Team for the Sega Dreamcast. Sort of a cross between Lemmings and Pipe Dream, the object is to get space mice past hungry cats and into their rocketship.
Grand Theft Auto 3
Like it or hate it, Rockstar Games' controversial "sandbox" title is now available on Android in a 10th anniversary edition, which features updated graphics with HD resolution. It also features "Gamepad Support for select USB controllers," although its Android Market listing doesn't say which.
GTA's gameplay involves carjacking, shooting people, and running them over, and is not recommended for children.
Original Sony PSOne Games
PSOne games like Xperia Play. Its slide-out game controller, with dual analog touchpads and shoulder buttons, features all the controls needed to play the games without having to cover the screen with your thumbs.
Each game costs $5.99. Other PSOne games, like Crash Bandicoot, are available from Sony's separate store on the Xperia Play.
Crystal Defenders
Square-Enix's Crystal Defenders isn't strictly a console remake, since it was originally made for the iPhone (although it's since appeared on the PlayStation Portable). It's the only official title on the Android Market that's set in a Final Fantasy world, though; specifically, Ivalice, the world of Final Fantasy Tactics Advance.
Crystal Defenders' gameplay is straightforward tower defense, featuring character art and units from the original Game Boy Advance title. Actual Final Fantasy games are available for Android smartphones in Japan through Square-Enix's own market, but it's unclear when or if they'll be brought to Google's Android Market (or to North America).
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Source: http://the-gadgeteer.com/2011/12/15/elago-nano-mobile-micro-sd-reader-review/
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" Scamp"sits with his owner, Reta McKinley of Yelm, Wash. during a visit to the Lacey Animal Clinic on Friday, Dec. 9, 2011 in Lacey,Wash.. (AP Photo/The Olympian, Tony Overman)
" Scamp"sits with his owner, Reta McKinley of Yelm, Wash. during a visit to the Lacey Animal Clinic on Friday, Dec. 9, 2011 in Lacey,Wash.. (AP Photo/The Olympian, Tony Overman)
YELM, Wash. (AP) ? If Scamp the dog was living up to his name by playing a trick on his owners, a grandmother in Washington isn't laughing.
Reta McKinlay thought her grandchildren's puppy died after it escaped through a fence at her Yelm home and was hit by a car. The terrier-Shih Tzu mix was bleeding, his eyes fixed. He wasn't breathing.
McKinlay told The Olympian (http://is.gd/oSZowB) her husband wrapped him in a blanket on Dec. 3 and left him under a wheelbarrow to keep animals away. They prepared to bury him the next morning.
She told her 6-year-old twin grandchildren that Scamp had gone to heaven.
But when her husband returned, Scamp was sitting up.
The family has spent $3,000 on veterinary bills since. McKinlay says Scamp's return is the family's Christmas present.
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Public release date: 14-Dec-2011
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Penn State
The rising cost of a college education and limited access to financial aid may create a less productive workforce and steeper wealth inequity, according to a study by North American economists.
Students with low-income parents are discovering that it is more difficult to find funds to pay for a college education now compared to students of similar economic backgrounds in the 1980s, said Alexander Monge-Naranjo, assistant professor of economics, Penn State.
"The consensus was that in the 1980s, credit constraints didn't seem to matter for those who went to college," said Monge-Naranjo. "But according to the latest data, we see family income and parental wealth are making a big difference in who is attending college."
Monge-Naranjo said there were several reasons for the move away from affordability. Over the last two decades, more higher-paying jobs required a college degree. The higher demand for a college education led universities to increase tuition, according to Monge-Narajo.
At the same time, money available through government loan programs remained flat or, when adjusting for in inflation, declined. During the 1990s, the percentage of undergraduates who borrowed from government lending programs increased significantly. Of those students, the ones at the top limit of their borrowing capacity tripled to 52 percent. Many more students are relying on private lenders for loans, Monge-Narajo said.
In the 1980s, credit constraints -- factors that limit financial access to college funding, such as caps on financial assistance and family income -- did not significantly stop students from attending college, once the researchers controlled for other factors, such as SAT score, age and race. Even poor students who had little financial resources to pay for college, but who were smart, could access credit to pursue an education, Monge-Naranjo said.
The researchers, who reported their findings in the current issue of the American Economic Review, said a shift occurred in the 1990s as more low-income students began to struggle to access credit to pay for a college. During the 1990s, youths from high-income families were 16 percent more likely to attend college than youths from low-income families.
Monge-Naranjo, who worked with Lance Lochner, associate professor, Western economics and director, CIBC Centre for Human Capital and Productivity, University of Western Ontario, used the most recent data from the National Longitudinal Surveys of Youth and the Armed Forces Qualifying Test to examine the relationships between intelligence, family income and college attendance.
According to Monge-Naranjo, constraints on financial aid could have far-reaching economic impacts. When poor but intelligent workers are unable to earn a college degree, their career choices are restricted, Monge-Naranjo said. That could mean less qualified and less productive workers will attain those positions.
"It's a matter of economic efficiency," said Monge-Naranjo. "Are we choosing the best individuals for the job, or just the individual whose parents are wealthy? In the long-term that may have an effect on the economy, although it may take a couple of generations to find out and, even then, perhaps be hard to quantify."
###
The National Science Foundation supported this work.
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Public release date: 14-Dec-2011 Share ] Contact: Matt Swayne
mls29@psu.edu
814-865-9481
Penn State
The rising cost of a college education and limited access to financial aid may create a less productive workforce and steeper wealth inequity, according to a study by North American economists.
Students with low-income parents are discovering that it is more difficult to find funds to pay for a college education now compared to students of similar economic backgrounds in the 1980s, said Alexander Monge-Naranjo, assistant professor of economics, Penn State.
"The consensus was that in the 1980s, credit constraints didn't seem to matter for those who went to college," said Monge-Naranjo. "But according to the latest data, we see family income and parental wealth are making a big difference in who is attending college."
Monge-Naranjo said there were several reasons for the move away from affordability. Over the last two decades, more higher-paying jobs required a college degree. The higher demand for a college education led universities to increase tuition, according to Monge-Narajo.
At the same time, money available through government loan programs remained flat or, when adjusting for in inflation, declined. During the 1990s, the percentage of undergraduates who borrowed from government lending programs increased significantly. Of those students, the ones at the top limit of their borrowing capacity tripled to 52 percent. Many more students are relying on private lenders for loans, Monge-Narajo said.
In the 1980s, credit constraints -- factors that limit financial access to college funding, such as caps on financial assistance and family income -- did not significantly stop students from attending college, once the researchers controlled for other factors, such as SAT score, age and race. Even poor students who had little financial resources to pay for college, but who were smart, could access credit to pursue an education, Monge-Naranjo said.
The researchers, who reported their findings in the current issue of the American Economic Review, said a shift occurred in the 1990s as more low-income students began to struggle to access credit to pay for a college. During the 1990s, youths from high-income families were 16 percent more likely to attend college than youths from low-income families.
Monge-Naranjo, who worked with Lance Lochner, associate professor, Western economics and director, CIBC Centre for Human Capital and Productivity, University of Western Ontario, used the most recent data from the National Longitudinal Surveys of Youth and the Armed Forces Qualifying Test to examine the relationships between intelligence, family income and college attendance.
According to Monge-Naranjo, constraints on financial aid could have far-reaching economic impacts. When poor but intelligent workers are unable to earn a college degree, their career choices are restricted, Monge-Naranjo said. That could mean less qualified and less productive workers will attain those positions.
"It's a matter of economic efficiency," said Monge-Naranjo. "Are we choosing the best individuals for the job, or just the individual whose parents are wealthy? In the long-term that may have an effect on the economy, although it may take a couple of generations to find out and, even then, perhaps be hard to quantify."
###
The National Science Foundation supported this work.
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Source: http://www.eurekalert.org/pub_releases/2011-12/ps-smg121411.php
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Consumer Guide To Over 50 Life Insurance Consumer Guide To Over 50 Life Insurance life insurance over 50
Daily life Insurance policy Companies For People today Above fifty
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Source: http://www.cshlhockey.net/daily-life-insurance-policy-corporations-for-individuals-around-fifty/
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updated 10:37 a.m. ET Dec. 4, 2011
LONDON - Manchester United will meet defending champion Manchester City in the FA Cup for a second straight season after the local rivals were drawn against each other in the third round.
City beat the record 11-time FA Cup winners 1-0 in last season's semifinal before ending its 35-year streak without a trophy in the final.
City will host the match on the weekend of Jan. 7-8.
The Premier League's leading sides all got lucky with home-pitch advantage. Tottenham will host unheralded Cheltenham, Arsenal will host Leeds, Chelsea will host Portsmouth and Liverpool will host the winner of Southend's second-round meeting with Oldham.
Nottingham Forest will host Leicester in another local derby set up by Sunday's draw.
Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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More newsAFP - Getty ImagesBarcelona teammates Lionel Messi and Xavi Hernandez will be up against Real Madrid winger Cristiano Ronaldo for the FIFA world player of the year award.
Source: http://nbcsports.msnbc.com/id/45541833/ns/sports-soccer/
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If you are looking for the cheapest Sr22 Insurance Quotes, it would be helpful if you will visit five to ten insurance networks and decide which one can give you the most cost-effective service. With the emergence of a lot of drivers these days without a regular car insurance coverage, sr22 insurance companies have been sprouting like mushrooms in the vicinity. Different sr22 insurance coverage offers different types of services, so one has to pay close attention to the type of insurance coverage he or she is getting to acquire more financial protection. It would be helpful if one contacts an insurance broker rather than an agent. A broker is an independent dealer that is usually connected to multiple insurance networks; therefore, he or she is knowledgeable about the different insurance quotes of different insurance companies. On the other hand, the insurance agent is only connected to a single company; thus, his or her knowledge is only limited to the insurance quotes provided by his or her company.
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Source: http://www.lavoixdusenegal.com/find-the-cheapest-sr22-insurance-quotes/163/
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Public release date: 1-Dec-2011 Share ] Contact: Kevin Stacey
kstacey@press.uchicago.edu
401-284-3878
University of Chicago Press Journals
Article Highlights from the December issue of The American Naturalist:
For the complete table of contents for the December issue, go to www.journals.uchicago.edu/an.
Columbia River Salmon are Adapting to Climate Change
Sockeye salmon are evolving through natural selection to deal with a warming climate, according to a study by researchers at the National Oceanic and Atmospheric Administration. In recent decades, scientists have observed that salmon in the Columbia River are starting their migration earlier in the year. The fish now migrate upstream an average of 10 days earlier than they did in the 1940s. Researchers knew that the change was associated with warming water temperatures, but an important question remained. Is this a behavioral response in reaction to warmer water, or are the fish evolving modified behavior through mortality and natural selection? Using 60 years of water temperature records and data on salmon mortality during migration, researchers led by Dr. Lisa Crozier have determined that the latter has played an important role. According to their model, up to two thirds of the 10-day advance in spawning is explained by natural selection, with a behavioral response to changes in river flow explaining the rest. "Evidence of an evolutionary response in Columbia River sockeye salmon is good news, because it appeared to reduce their exposure to potentially lethal river temperatures in recent years," said Dr. Crozier. "This study gives managers insight into the multiple processes that help salmon persist in the face of a changing environment, and augments our toolbox for predicting how other species might respond to similar changes."
Lisa G. Crozier, Mark D. Scheuerell, Richard W. Zabel, "Using Time Series Analysis to Characterize Evolutionary and Plastic Responses to Environmental Change: A Case Study of a Shift toward Earlier Migration Date in Sockeye Salmon." http://www.jstor.org/stable/10.1086/662669
Predators Keep Local Frogs In Uniform
Peruvian poison dart frogs of the genus Ranitomeya are jewels of the rainforest, renowned for the diversity of vivid colors they display, which vary greatly from region to region. Obviously, these colors have not evolved for our amazement, but rather to warn predators that they will be greatly ill if they dare taste them. But how do predators keep track ofand learn to avoidso many color patterns. And why do poison-dart frogs maintain such a high diversity of color patterns? Researchers from the University of Montreal have recently showed that diversity in poison-dart frogs is maintained locally due to the predators avoiding only one color pattern and quickly eliminating all others. Using hundreds of life-sized clay models painted to resemble the distinct color patterns of poison dart frogs, the researchers found that avian predators avoided models with the local coloration, but attacked models with non-local colors. The results show that the local predators have come to recognize and avoid the local frogs. "Being exotic is, in this case, not advantageous at all, as the frogs' vivid coloration make them more easily detected by predators that have not learned to recognize them," said Dr. Chouteau. These results highlight the close relationship between the colorful amphibians and their predators, and demonstrate that the geographic diversity of color patterns is maintained by the learning experience of a distinct predator community.
Mathieu Chouteau, Bernard Angers, "The Role of Predators in Maintaining the Geographic Organization of Aposematic Signals." http://www.jstor.org/stable/10.1086/662667
Can sexual selection's bizarre creations sometimes set evolution on a path to novel survival strategies?
Living organisms pursue a dazzling diversity of ecological strategies for surviving in and extracting resources from their environments, but how does such diversity come about? Because natural selection is shortsighted, unable to see potentially advantageous strategies for which no variation is immediately available, it will tend to keep populations doing what they do, ecologically speaking. So how do novel ecological strategies evolve? Most attempts to resolve this long-standing evolutionary puzzle have invoked a stochastic evolutionary process, genetic drift, which can sometimes pull very small populations away from their local phenotypic optimum. But an article by (University of New South Wales) Russell Bonduriansky explains an alternative process capable of displacing populations from their ecological comfort-zone: sexual selection. Darwin famously proposed sexual selection as an explanation for the evolution of bizarre traits that often seem to hinder prospects for survival and foraging. Perhaps the perverse tendency for sexual selectionand its more recently identified corollary, sexual conflictto act at cross purposes to survival and foraging needs might also, in the evolutionary long run, facilitate ecological diversification. The author brings together theory and evidence to make the case that sexual selection and conflict could act as engines of ecological diversification. Bizarre traits that evolve under sexual selection can, on occasion, furnish preadaptations for novel ecological functionsand can evolve to be expressed in both sexes, a process termed ecological co-optation. A variety of examples that implicate this process are discussed, along with suggestions for future research.
Russell Bonduriansky, "Sexual Selection and Conflict as Engines of Ecological Diversification." http://www.jstor.org/stable/10.1086/662665
###
Since its inception in 1867, The American Naturalist has maintained its position as one of the world's most renowned, peer-reviewed publications in ecology, evolution, and population and integrative biology research. While addressing topics in community and ecosystem dynamics, evolution of sex and mating systems, organismal adaptation, and genetic aspects of evolution, AmNat emphasizes sophisticated methodologies and innovative theoretical syntheses--all in an effort to advance the knowledge of organic evolution and other broad biological principles.
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Public release date: 1-Dec-2011 Share ] Contact: Kevin Stacey
kstacey@press.uchicago.edu
401-284-3878
University of Chicago Press Journals
Article Highlights from the December issue of The American Naturalist:
For the complete table of contents for the December issue, go to www.journals.uchicago.edu/an.
Columbia River Salmon are Adapting to Climate Change
Sockeye salmon are evolving through natural selection to deal with a warming climate, according to a study by researchers at the National Oceanic and Atmospheric Administration. In recent decades, scientists have observed that salmon in the Columbia River are starting their migration earlier in the year. The fish now migrate upstream an average of 10 days earlier than they did in the 1940s. Researchers knew that the change was associated with warming water temperatures, but an important question remained. Is this a behavioral response in reaction to warmer water, or are the fish evolving modified behavior through mortality and natural selection? Using 60 years of water temperature records and data on salmon mortality during migration, researchers led by Dr. Lisa Crozier have determined that the latter has played an important role. According to their model, up to two thirds of the 10-day advance in spawning is explained by natural selection, with a behavioral response to changes in river flow explaining the rest. "Evidence of an evolutionary response in Columbia River sockeye salmon is good news, because it appeared to reduce their exposure to potentially lethal river temperatures in recent years," said Dr. Crozier. "This study gives managers insight into the multiple processes that help salmon persist in the face of a changing environment, and augments our toolbox for predicting how other species might respond to similar changes."
Lisa G. Crozier, Mark D. Scheuerell, Richard W. Zabel, "Using Time Series Analysis to Characterize Evolutionary and Plastic Responses to Environmental Change: A Case Study of a Shift toward Earlier Migration Date in Sockeye Salmon." http://www.jstor.org/stable/10.1086/662669
Predators Keep Local Frogs In Uniform
Peruvian poison dart frogs of the genus Ranitomeya are jewels of the rainforest, renowned for the diversity of vivid colors they display, which vary greatly from region to region. Obviously, these colors have not evolved for our amazement, but rather to warn predators that they will be greatly ill if they dare taste them. But how do predators keep track ofand learn to avoidso many color patterns. And why do poison-dart frogs maintain such a high diversity of color patterns? Researchers from the University of Montreal have recently showed that diversity in poison-dart frogs is maintained locally due to the predators avoiding only one color pattern and quickly eliminating all others. Using hundreds of life-sized clay models painted to resemble the distinct color patterns of poison dart frogs, the researchers found that avian predators avoided models with the local coloration, but attacked models with non-local colors. The results show that the local predators have come to recognize and avoid the local frogs. "Being exotic is, in this case, not advantageous at all, as the frogs' vivid coloration make them more easily detected by predators that have not learned to recognize them," said Dr. Chouteau. These results highlight the close relationship between the colorful amphibians and their predators, and demonstrate that the geographic diversity of color patterns is maintained by the learning experience of a distinct predator community.
Mathieu Chouteau, Bernard Angers, "The Role of Predators in Maintaining the Geographic Organization of Aposematic Signals." http://www.jstor.org/stable/10.1086/662667
Can sexual selection's bizarre creations sometimes set evolution on a path to novel survival strategies?
Living organisms pursue a dazzling diversity of ecological strategies for surviving in and extracting resources from their environments, but how does such diversity come about? Because natural selection is shortsighted, unable to see potentially advantageous strategies for which no variation is immediately available, it will tend to keep populations doing what they do, ecologically speaking. So how do novel ecological strategies evolve? Most attempts to resolve this long-standing evolutionary puzzle have invoked a stochastic evolutionary process, genetic drift, which can sometimes pull very small populations away from their local phenotypic optimum. But an article by (University of New South Wales) Russell Bonduriansky explains an alternative process capable of displacing populations from their ecological comfort-zone: sexual selection. Darwin famously proposed sexual selection as an explanation for the evolution of bizarre traits that often seem to hinder prospects for survival and foraging. Perhaps the perverse tendency for sexual selectionand its more recently identified corollary, sexual conflictto act at cross purposes to survival and foraging needs might also, in the evolutionary long run, facilitate ecological diversification. The author brings together theory and evidence to make the case that sexual selection and conflict could act as engines of ecological diversification. Bizarre traits that evolve under sexual selection can, on occasion, furnish preadaptations for novel ecological functionsand can evolve to be expressed in both sexes, a process termed ecological co-optation. A variety of examples that implicate this process are discussed, along with suggestions for future research.
Russell Bonduriansky, "Sexual Selection and Conflict as Engines of Ecological Diversification." http://www.jstor.org/stable/10.1086/662665
###
Since its inception in 1867, The American Naturalist has maintained its position as one of the world's most renowned, peer-reviewed publications in ecology, evolution, and population and integrative biology research. While addressing topics in community and ecosystem dynamics, evolution of sex and mating systems, organismal adaptation, and genetic aspects of evolution, AmNat emphasizes sophisticated methodologies and innovative theoretical syntheses--all in an effort to advance the knowledge of organic evolution and other broad biological principles.
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Source: http://www.eurekalert.org/pub_releases/2011-12/uocp-crs120111.php
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