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Monitoring is the Best Way to Protect the Public from Certain Health Risks. Currently, No Federal Law Requires Monitoring of Recreational Waters for Virus Contamination Beach and coastal-visitors and residents-have a right to know if the water they play in and the seafood they eat are safe. Currently, nine states have comprehensive test for their beach waters and notify the public. How often have we been-at the beach, gone for a swim, or caught fish-in a location that should have been closed? According to the Natural Resource Defense Council (NRDC), during 1998 there were 7,234 individual beach closings and advisories, up 75 percent from 4,153 in 1997.
You pack the flip-flops; weve done the planning. Our ultimate guide covers the South from the Atlantic to the Gulf.The beach just may be the perfect Southern vacation. Best of all-you dont have to spend a fortune to go there. Here we offer a wide variety of spectacular coastal vacations that wont break your budget but will provide an unforgettable escape.Weve posted the details on our findings at southernliving.com/features. If, after reading our discoveries, you feel we missed your favorites, send us your picks by completing the survey at our Web site.

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Susan Hahns books of poetry are Harid Rubins Mothers Wooden Hand, 1991, and Incontinence, 1993. Both are published by the University of Chicago Press. They also recently published her third collection, Confession.
ON BEAUTY. Zadie Smith. 2005. Read by Peter Francis James. 16 cds. 18 hrs. Penguin Audio. 014-305800-2. $44.95. Cardboard; content, author, reader notes. SA* Smith portrays the ratified air of academic life and its internecine rivalries with an awesome wit. The faculty meetings are hilarious! Narrator James rises to the challenge, making this an auditory delight. This takes the listener into the despair of a marital break-up and explores the sensitive issue of cultural norms of feminine beauty. In Kiki, she offers the gift of a woman who defies the self-hatred such norms provoke. Wide in scope and original. Nancy Chaplin, Libn., VCCW, Goochland, VA

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Temporary Downturn No Argument Against Privatization Recent fluctuations in the stock market have been used by some liberal politicians as a reason Social Security should not be privatized. What if someone invests retirement money in the stock market, instead of in Social Security, and then retires at a point when the stock market is down? That is not a risk that should scare anybody, despite the endless repetition of the theme that privatizing Social Security is “a risky scheme.” Leaving Social Security the way it is represents a much bigger risk.
Money Talks Most savvy investors know that the stock market experiences both bull and bear markets. Clearly there are times when small stocks outperform large stocks, or when growth stocks outperform value stocks. However, there are also times when the opposite of each of these occurs. The problem is that market cycles have proven to be inherently unpredictable, making it next to impossible to be consistently successful at market timing on a long-term basis.
Abstract We form portfolios based on firm book-to-market equity ratios and apply stochastic dominance tests. Value (high bookto-market) portfolios dominate low book-to-market portfolios. Thus, value stocks are not rationally priced by the market and the book-to-market ratio is not an efficiently priced proxy for equity risk. We also find that the superior performance of value stocks is not due to the January effect. (JEL G140)

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Its an untapped market to some degree, said Justin Joseph, an openly gay divorce lawyer at Denvers Joseph Law Group. Therell be a lot more people coming into the system, and well definitely see more cases going through the courts because the courts will have no choice but to recognize them.
Sir Paul McCartney and Heather Mills are the latest celebrity couple to find out the hard way that divorce often ends in a long, acrimonious and expensive court battle. But many costly annulments could be avoided if alternative and less hostile means of separation were explored first, new research suggests. Sir Paul says his experience of seeking a divorce - which has included mediation - is like “going through hell”. In an interview with Radio Times, published today, the former Beatle, 65, adds: “As Winston Churchill once said, If you are going through hell, keep going! The only solution is to remain dignified. If I dont keep a silence about it, I lose this idea of being dignified.” The NAOs research implies that solicitors are costing the public purse up to 10m a year by putting profits before their clients interests. Under the legal aid system, solicitors can expect to be paid much more in fees if their case is settled in court. In a third of cases examined by the NAO, lawyers had failed even to suggest that a client seeking a divorce or separation should first consider mediation as alternative to court. The Legal Services Commission (LSC), which authorises legal aid payments, spends about 300m a year helping those who qualify for state funding to deal with a family breakdown.
STEPHEN WARD A beleaguered Lord Chancellor, Lord Mackay, spelled out concessions and reassurances to lawyers last night in an apparent attempt to secure their support for his Divorce Bill.

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Colm Kelly and Caitriona McCarthy of PricewaterhouseCoopers on the opportunities and pitfalls of doing business in China Other businesses are investigating ways of improving the competitiveness of their Irish operations by outsourcing production or sourcing raw materials and components. There are significant opportunities both for foreign businesses seeking to establish a presence in China and expand their existing operations. However, despite these opportunities, unprepared businesses continue to face serious challenges and therefore, remain cautious about expanding into China. China has a unique legal, political and business environment and foreign investors should understand what to expect before doing business there. Not only are rules and regulations subject to change and interpretation, there may also be local practices to consider. Companies should understand whether their proposed business operations are encouraged, restricted or prohibited under current Chinese regulations, as this will impact the type of investment vehicle used to enter the Chinese market. Although vast, the Chinese market is regional, highly fragmented and has a poor transportation network which may cause difficulties for foreign investors trying to sell their products nationally. Furthermore, tax rates and policies vary as numerous designated zones throughout China offer preferential tax rates and incentives. As a result, many investors start in one location and then expand to other locations as required.
BUSINESS SITE OPPORTUNITIES
BUSINESS OPPORTUNITIES - The After Lunch Bunch of the Topeka PC Users Club will meet at 1 p.m. today at Central Congregational Church, 1248 S.W. Buchanan. Free and open to the public. Call 478-3164 for details. - The Desktop Publishing Group of the PC Users Club will meet at 7:30 p.m. today in a members home, to discuss computer use in producing documents for print. Call 228-9692.

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NAME: Davis Sezna. JOB: CEO and president of 1492 Hospitality Group, a company that operates Hartefeld National Golf Course in Avondale, Pa., and Mountain Branch Golf Course in Joppa, Md., plus three restaurants in the Wilmington, Del., area.
JOB: Golf marketing consultant. WHAT HE DOES: As president of MarComm Golf, a division of New York-based sports marketing firm MarComm Partners, Colvin helps corporations use golf to meet their marketing and entertainment objectives. Colvin does everything from planning corporate golf outings to negotiating event sponsorships on various professional tours.
NAME: Sebert Walker. JOB: Assistant golf professional at the Ritz-Carlton Rose Halls White Witch Golf Course, Montego Bay, Jamaica.

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CAREER MANAGEMENT In this article the author discuss issues to think about if you are planning a career change, ways to continue what you are doing but change your environment so you will be more satisfied, and a technique for changing something about yourself if you want to. Some changes can be planned for. You can plan to change your career, move to another city, send your children to college, or buy a house. Other changes just come up and grab us, and then we learn to cope. You figure out how to survive the change of losing a loved one or being fired from a job. One of the great challenges of life is not to let the vulnerability we feel when change surprises us keep us from seizing the power we have and planning for the future.
CAREER PLANNING AND CHANGINGBut a change in career can also be a time of great opportunity and personal freedom. Careers are linear in foresight but circuitous in hindsight, and chance favors the prepared mind, Richard Ream wrote in Information Today. What you need as you plan yours is to sustain curiosity, optimism, flexibility, and open-mindedness. The casting off of old ways can be a liberating experience, for it frees people to consider a variety of professional and personal avenues that were previously closed to them because of their work attachments. Some choose to return to school to pursue courses of study that can lead into whole new careers, while others use their skills and experience to take a position similar to their previous one, but in a fresh environment. Many others, howeverand especially those who have voluntarily changed their career pathchoose to join the ever-growing ranks of small business owners in America.The decision to launch a small business is one that should not be arrived at in hasty or haphazard fashion. Indeed, any entrepreneur faces obstacles that have to be addressed, whether those obstacles take the form of capital shortfalls, tough competition, problems with location, management issues, or arriving at a satisfactory balance of work and family time. Those who neglect to investigate or anticipate these barriers to business success are far more likely to flounder. Conversely, the well-prepared, realistic entrepreneur who takes the time to lay the groundwork for his or her business initiative is significantly more likely to be ultimately successful in his or her endeavor. Give yourself every chance to succeed, wrote the editors of How to Run a Small Business. Successful entrepeneurs, aware of the various chances for failure in a new venture, work hard to shift the odds in their favor by thorough investigation at the outset. The person destined for failure is the one who is carried into a business on the euphoria of going it alone without doing the essential preparatory work.

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CORAL GABLES, Fla. (Bloomberg) — Sunglass Hut International, the worlds largest sunglasses retailer, said it closed 149 stores because they were unprofitable or werent meeting expectations and will close as many as 76 more by the end of January. Sunglass Hut has three stores in Oklahoma City. Sunglass Hut now operates 2,003 outlets worldwide, including kiosks and stores in malls and free-standing stores, which sell popular sunglasses brands like Oakley, Revo and others. Sunglass Hut also has 107 Watch Station stores, several of which are among the stores being closed in the fiscal year, Gargano said. “All the stores (being closed) are underperforming or unprofitable sites,” Sunglass Hut spokeswoman Lauren Gargano said. The company said its loss for the third quarter ended Oct. 31 narrowed to $4 million, or 8 cents a share, from $5.1 million, or 9 cents, a year earlier. Sales were little changed, rising to $122.8 million from $122.4 million.
CORAL GABLES, Fla.–(BUSINESS WIRE)–June 30, 1995–Sunglass Hut International (NASDAQ:RAYS) announced today that it has completed the acquisition of Sunsations Sunglass Company, an Indianapolis-based specialty sunglass chain with approximately 350 stores in 44 states. The two companies entered into a definitive agreement for the acquisition in mid-May.The acquisition of Sunsations is especially significant because it will provide us with new synergies in the market as well as strengthen relationships with key vendors and developers, commented Jack B. Chadsey, president and chief executive officer of Sunglass Hut. In addition, this acquisition will enable us to realize our strategy of increasing our presence in middle markets and cement our position as the undisputed international leader in the premium sunglass industry.In addition to the Sunglass acquisition, Chadsey also said Sunglass Hut now plans to open 350 new stores in 1995 in both domestic and international locations.
Take off for summer with our top- quality Aviator sunglasses.and weve got an incredible offer for you! Weve teamed up with leading sunglasses company Marby Lloyd to bring you an unbeatable deal.these genuine metal frame Aviator sunglasses for only pounds 1.75 per pair, including post and packing. Our super sun specs conform to all British safety standards and offer UV protection against the suns harmful rays. With quality lenses and tough, knock-proof frames our super sunglasses look great on both men and women.

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Business Editors/High-Tech Writers ROCKLIN, Calif.–(BUSINESS WIRE)–Jan. 14, 2004 New Credit Facility to Finance Growing Operations
Business Editors CLEARWATER, Fla.–(BUSINESS WIRE)–March 2, 2000 Pinnacle Business Management (OTCBB:PCBM) announced today that Primex Capital has increased the credit line in anticipated opening of new centers in the Southeast. The increase was triggered by further expansion plans and the filing of Form 10SB.
LSB Industries has secured a $20 million line of credit for its automotive business spinoff, LS Automotive Products.

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I enjoyed Dare to Bare [July/ August, page 82] but was surprised there was no mention of threading, an ancient hair-removal technique from the Middle East that involves winding a thin cotton thread around unwanted hair and gently pulling it out at the follicle. As threading gains popularity, I thought it would have been listed as one of the top techniques. No chemicals required! Threading is a method we support at Natural Health. Since Dare to Bare focused on removing hair from legs and bikini areas, and threading is most often used for brows, we didnt feel it was a fit. We will cover threading in upcoming issues, though, so stay tuned.
BIKINI LINE BLASTER Want to wave goodbye to the plucked chicken look? Intense pulsed light (IPL) removal is ideal for the bikini line, says Aculight trainer Fiona Goodey, because the hair tends to be relatively dark and coarse, and this responds well to IPL. IPL works by pulsing a combination of different light wavelengths on to the skin, disabling the hair follicle. Laser does the same trick using a single beam, but IPL can go in slightly closer to delicate bits. You can get virtually the equivalent of a Brazilian wax, says Fiona. Aculight costs from pounds 100 per treatment (0870 902 1616). If you want to keep your pins smoother for longer with the humble razor, soak in the bath or shower for a few minutes before shaving to make the hairs easier to cut. Keep the water hot enough to prevent goosebumps (youll never get a smooth shave over those and will irritate your skin trying) and always use a foaming gel, especially on easy to nick areas. A triple blade razor like Gillette Venus, pounds 5.49, makes it easier to get closer without cuts. Waxing is a longer-lasting option but its better as a long- term strategy than a one-off pre-holiday fix. If you usually shave, your legs wont stay smooth for long, as its impossible to get all the stubble out, says Michaeljohns Shavata Singh. The more you wax, the finer the hairs become, but you will still have regrowth for about a week in between waxes. A good at-home version is Nads No Heat Hair Removal, pounds 17.95. Lady Victoria Hervey likes it because theres no risk of burning.

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The group is to develop relationships with the big banks and insurance companies.
Karate Kid and Karate Kid II, both VHS and DVD, have a lot to say about discipline, teachers and being true to yourself. In the first film, Daniel, a teenager having a hard time adjusting to a new town, takes up karate and Teams from his Japanese teacher, Mr. Miyagi, about maturity and mastery of self. In the sequel, Daniel travels with Mr. Miyagi to Japan, where they both face challenges. Once again, a pure heart and a clear mind are needed. (Columbia TriStar, both PG).
Martial arts expert Steve Bindon told yesterday how he severed three fingers when a Samurai sword demonstration went horrifically wrong. Steve, 19, grabbed the razor-sharp blade by mistake as he “fought” with another karate expert at an Air Show in Fairford, Glos. “The guy I was with had the sword over my head,” he said. “I misjudged it and grabbed the blade.”

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This report offers a comprehensive picture of the furniture sector in India, providing trends in furniture production and consumption, furniture imports and exports. Factors determining the demand for furniture are examined, as well as furniture distribution and furniture supply structure. Indian furniture exports and imports are broken down by country and product (office furniture, kitchen furniture, upholstered furniture, non-upholstered seats, bedroom furniture, seats parts and parts of furniture).
This report offers a comprehensive picture of the furniture sector in Switzerland, providing trends in furniture production and consumption, furniture imports and exports, prices. Profiles are provided for the major Swiss furniture manufacturers. Swiss furniture imports and exports are broken down by country and segment (office furniture, kitchen furniture, upholstered furniture, dining and living room furniture, bedroom furniture, seats parts, parts of furniture).
This report offers a comprehensive picture of the furniture sector in the Philippines, providing trends in furniture production and consumption, furniture imports and exports. Factors determining the demand for furniture are examined, as well as furniture distribution and furniture supply structure. Philippine furniture imports and exports are broken down by country and product (office furniture, kitchen furniture, upholstered furniture, non-upholstered seats, bedroom furniture, seats parts and parts of furniture).

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Top Gun DUI Defense Attorney(R) Myles L. Berman is a successful, aggressive DUI / Drunk Driving defense lawyer with a national reputation for successfully representing many of his clients charged with DUI / Drunk Driving in Southern California. He is the founder of the National Drunk Driving Defense Task Force, LLC.(R). Attorney Berman lectures extensively in the area of defending people accused of DUI / Drunk Driving. Mr. Berman is listed in Whos Who in California, Whos Who in American Law and Whos Who in the World. Myles L. Berman has been a criminal defense attorney since 1982. Mr. Berman and his team of attorneys constantly read the latest cases, scientific literature, legal treatises and articles on the subject of DUI / Drunk Driving defense. The Law Offices of Top Gun DUI Defense Attorney(R) Myles L. Berman is ready to fight cases with extensive pre-trial motions, vigorous cross- examination of the prosecutions witnesses, defense experts, demonstrative evidence, photographs, videos, testimony of any witnesses and conducts thorough research, preparation and investigation in each DUI / Drunk Driving case. Al Rantel, as a non-syndicated local radio personality, is one of the few personalities in the industry to host two shows daily, Monday through Friday. His morning show is a 45-minute appetizer portion (11:00 to 11:45 a.m.) and his evening show fills a standard 3-hour block (6:00 to 9:00 p.m.). A chat room host he is not. I like to challenge listeners, not be a switchboard operator answering calls, Al says. He challenges listeners to think but does so with a humorous delivery. Al has created a dynamic and entertaining platform for his 35-54-year-old listeners and an open forum for lively discussion accompanied with a high dose of levity.
Edward Fiandach was recently appointed dean of the National College for DUI Defense. He was sworn in during a ceremony held on July 23 at Harvard Law School. Fiandach was New York States first American Bar Association Board Certified DWI practitioner and is one of only two attorneys so certified in the state. During his address, Fiandach stressed the need for teenage alcohol education and for increased pro bono defense for DWI clients.

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100-percent spun micro polyester has the warmth of wool and the comfort of cotton. The blankets have a double-stitched hem on all sides. They are extremely durable, colorfast and antipill treated. They come in ivory, tan, sky blue, jade and navy. For the distributor closest to you, call Ashlyn Mills at (800) 458-4596. [ILLUSTRATION OMITTED]
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The reversible screwdriver allows fasteners to be removed while a lock-on button provides continuous operation. The guns are designed with a contoured rubber grip and weigh 3.2 pounds.
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DEL MAR, Calif.–(BUSINESS WIRE)–June 18, 1997–Customer Sports Inc. (Nasdaq/EBB:CTMR) announced the opening of the first golf “pro shop operated by its wholly owned subsidiary, Back Nine Golf. The “pro shop, which will have its grand opening this weekend, is located at the Super Sports Driving Range in the city of Orange, Calif. The companys “pro shop retail stores are known as Back Nine Clubhouses. Customers of Back Nine Golf are invited to join the Back Nine Golf Club, which offers them information, member benefits, frequent- shopper programs, etc. By developing an ongoing relationship with its members, Back Nine Golf is positioned to be highly responsive to their needs and desires, transforming the golf shopping experience from a transaction to a relationship that can endure over time.
Tabrez Akhtar, 19, of Wallend, east London, and Bilal Malik, 20, of Hounslow, west London, were jailed for 12 years each for manslaughter.
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Appraisers face new federal licensing laws In the wake of the savings and loan debacle, real estate appraisers dealing with federally guaranteed transactions will be required to have a license or certificate in order to appraise real estate after July 1. The Financial Institutions Reform, Recovery and Enforcement Act has issued an advisory subcommittee, made up of staff from various federal regulating offices, to monitor the states development and implementation of appraisal reform legislation.
When you meet people like Robert Von Ancken, its hard to understand how they find enough hours in the day for all the work they do. Von Ancken, who serves as an executive managing director of the metropolitan valuation and consulting practice with Grubb Ellis, does appraisals for such projects as the World Trade Centec, the Farley Post Office and the West Side Rail Yards during the day, then goes home to run his own acquisition and disposition business. There were few engineering jobs available when he graduated, so he decided he would give real estate a try. However, just weeks after he started as office leasing canvasser with Julien Studley, Von Ancken was called to active duty by the U.S. Army Reserve and his plans fell through once again. After a year of Army service in Panama, Von Ancken came back to New York and enrolled in the graduate real estate program at City University.
Understanding whats happened in the appraisal industry can provide internal auditors with a solid foundation.In the financial industry, real estate mortgages are often used for collateral. During periods when real estate ventures fail, financial organizations and their insurers risk substantial losses. Internal auditors in organizations that make loans secured by real estate mortgages must understand the implications of appraisal reports as a source of audit evidence and be able to make realistic evaluations of the quality of underlying assets, especially in light of new reporting standards, internal auditing standards, and prudent audit practice.Faulty appraisals have plagued the financial industry for years. In 1986 the Barnard Report (compiled through the efforts of former Congressman Douglas Barnard of Georgia) concluded that “faulty” appraisals had resulted in a $3 billion overvaluation of property in the U.S.(1)

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IN the ever-changing world of business, legal intricacies are common. In fact, it is becoming ever more complex, making it challenging for executives not equipped with adequate legal knowledge. Providing solutions with an in-depth analysis of legalistic approach is one of the trainings given to graduates with legal degrees. Realising this, Universiti Kebangsaan Malaysias (UKM) Faculty of Law, in collaboration with the Centre for Educational Extension (PKP) of UKM, offers a Master in Business Law (MBL). The programme is to fulfil the legal disparity of the executives in meeting the challenge of solving legal problems in an increasingly complex and dynamic international business environment.
Legal Research

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Real Estate Brokers with the SRES designation help seniors make wise decisions about selling their home, buying rental property, managing the capital gains and estate tax implications of owning real estate, obtaining a reverse mortgage, moving to a senior community and other issues. The designation was introduced in 1997 and is nationally recognized.
Terry Simnitt Terry Simnitt has joined Coldwell Banker Griffith Blair, Realtors. He will be active in real estate auction and residential sales with his wife, Ruth, who also is an associate at Coldwell Banker Griffith Blair.

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BEST MILITARY-FAMILY DISCOUNT GO! CHOICE: Morale, Welfare and Recreation center, Fort Carson This service provides discounts on dining, recreational- equipment rentals, lift tickets, tickets to local events, mountain- bike trips, rock- and ice-climbing classes and other outdoor- recreational programs to active-duty military and their families. The service also organizes special events and provides youth services on Fort Carson year-round.
The Real Florida: Myakka River Park Family Trip. March 28-April 2. Bring the family on spring break to the land of sunshine, swamps, and surf. From our base camp near the river well explore by canoe, bicycle, and foot. Well search for fossilized shark teeth and visit a bird sanctuary and a marine lab with manatees. Canoe, bike rental, and admission fees not included. Suitable for children six and older. Leaden Marty Joyce. Price: adult $450, child $325; Dep: $50. [99441A] Donner Pass Discovery, Clair Tappaan Lodge, Tahoe Forest, California. April 4-10, The historic Donner Pass, located near the California-Nevada border, provides families with abundant opportunities to explore trails, lakes, and cultural features. We will be staying at the Clubs rustic mountain lodge which offers hot meals, hot showers, and a hot tub. Activities will be suitable for children five and older. Leaders: Jennifer Taddei and Pam Mason. Price: adult $525, child $425; Dep: adult $100, child $50. [99442A] Canyon Country Family Raft Adventure, San Juan River, Glen Canyon Recreation Area, Utah. June 17-20. See the Raft section on page 88 for more details. Five and older. Leader: Margie Tomenko. Price: adult $775, child $665; Dep: $100. [99271A]
BEST HIKE WITH KIDS Nine stream crossings. Rock formations that look like gargoyles. Bighorn sheep. Need we say more? This trail follows Fourmile Creek for 10 miles, but you dont have to go all that way to see the sights. Take a lunch, pack the insect repellent, and dont forget sandals to wear on your stream crossings. Early in the spring, the water might be too high for the littlest hikers; plan a trip for summer and plan on getting wet. Off Colorado Highway 67, about six miles southwest of Divide. Managed by the Colorado Division of Wildlife; 227-5200.

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A calendar? Not exactly - its a personal pregnancy calendar - from confirmation of conception through the babys third month, a day-by-day, week-by-week, month-by-month guide. The Maternal Journal (concept by Don Parker, written by Matthew Bennet. designed and illustrated by Breck Wilson) is published by the National Parenthood Association (11301 Olympic Boulevard, Suite 475. Los Angeles, CA 90099-3604). An expectant mother can create her own maternal diary/journal/calendar by filling in the dates in each day-block- left blank for writing her own personal notes and appointments. Each week is surrounded by drawings. facts, tips, reminders and medical alerts pertinent to that particular phase of pregnancy. “Love. misery, joy. despair, fulfillment. insecurity, clarity, mystery. Sound like a description of the hottest new soap opera? Actually, its a brief overview of an average pregnancy,” according to the introduction at the start of this personal pregnancy guide. “The vast experience. knowledge and approval of nationally recognized experts have gone into the creation of this guide.” Readers are encouraged to use the publication to learn. but not to replace the advice of their chosen care-givers. In fact. the calendars first feature is called “The Doc Tour.” defining various practitioners by title (obstetrician. pediatrician. neonatologist. and others).
Editors note: This paper was presented by Dr. Rogers at the Texas Veterinary Medical Association meeting, March 2005, Austin. A written summary of the years herd health activities is an excellent planning tool and reminder system to assure the right products are purchased and used at the right time. A health management calendar can be laminated and posted to be a handy reminder of scheduled activities. This planning process will also point out opportunities for management improvements. Ask these questions:
Women have always suffered for contraception. If its not pill- popping, its inserting caps which ping across the bathroom floor. And for men, unfurling a slimy, unerotic condom defeats the most erotic of moments. Now, apparently, its all over. We can enjoy a 95 per cent reliable, sex-friendly, over-the-counter contraceptive kit. The boffins at Unipath, who have developed Persona over the past 15 years with more than 1,200 women involved in case studies, are gushing with delight over their new product. Persona is the first time computers have been applied to contraception and the monitor is a sophisticated little system. It identifies two hormones in urine which give the most reliable warning of the fertile period, and compiles the information on to a database. However, it is not suitable for women with irregular periods which fluctuate for more than 10 days. A woman risks pregnancy between six and 10 days a month but contraception methods are used continuously. After three months Persona pinpoints these fertile days. Its a device tailor-made for the 1990s independent woman in a long-term relationship who wants to know more about her body and control her contraception. Revolutionary it is. Not only is it an advance into computer technology, its also thrust contraception onto the market place. Its expensive - pounds 49.95 for a starter pack, pounds 9.95 a month from then on - and is not available on the NHS. Women who do not suit the Pill, IUD, or hate the condom will, hopefully, have lots of cash. “Its up to the Government as to whether it goes on the NHS,” says Keith May, vice-president of research at Unipath. “I would be delighted if Persona was on the NHS, I hope it can be made more widely available, but its not under our control.” So whose control is it under? “The manufacturing company has to apply for a listing on the NHSs Drug Tariff and then it is considered,”says Martin Richards from the Department of Health. Anne Weyman, chief executive of the Family Planning Association illuminates. “The NHS tries to resist things which are expensive. The Pill costs between 60p and pounds 3 a packet, its a very cheap form of contraception. The Government is going more for medicines being available over the counter. Some argue that this is part of a policy of making things more accessible, others that it is shifting the burden of money to the individual,” she explains. “Family Planning Clinics should be able to offer a total range of contraception. Family Planning Clinics at least should be able to get hold of it.” But what of the good old rhythm method, recently heralded as being the most reliable form of contraception? “You have to be taught how to use it, and must be highly motivated to keep it up,” says Anne Weyman. “You have to monitor your temperature, vaginal mucus and changes in the breasts. It takes more effort and its very complicated.” Professor Bob Snowden, a specialist in Reproductive Behaviour who conducted the research, thinks the device will at last involve partners. “With Persona, men can become involved in decisions about when to and when not to have sex.” However, Professor John Guillebaud, Director of the Margaret Pyke Centre is less convinced. “It wont work with people who dont have a very good relationship,” he comments. “Ive heard the most common traffic offence among men is driving through a red light. The man might just kick the thing under the bed.” 8 Persona is available at Boots nationwide. Information booklets can be obtained by calling 0345 447744.

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NINE million Britons now regularly use complementary medicines to ease aches and pains. Growing numbers of mainstream doctors are practising alternative therapies and more than 40 per cent of surgeries now offer access to them. But which medicines have been scientifically shown to work? Today Sunday Mirror Health Correspondent SHARON COLLINS guides you through the most effective treatments.
M2 BEST BOOKS-(C)2000-2003 M2 COMMUNICATIONS LTD A new book is designed to teach patients and conventional health care providers about alternative methods of health care. The authors stress getting to the root of the problem, rather than simply dispensing a pill and treating a symptom, reported the Sylva Herald.

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SHOE shops are selling thousands of children badly fitting footwear, a report reveals. Parents feel they are getting a poor deal from stores which have axed their fitting service. The poll of 500 parents by shoe chain Brantano found more than a third of children lied their shoes fit correctly and one in five chose their own footwear - often leading to rows.

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5/3/44 ~ 1/5/04 - Melvin DeVere Childs, age 59, of Richfield, died January 5, 2004 in Provo, Utah of complications from pneumonia. He was born May 3, 1944 in Spanish Fork, Utah, a son of Russell Clay and Clara May Cornaby Childs. He graduated from Springville High School, Class of 1963. He served a mission for the LDS Church in the Toronto Canada Misson.
ATHENS, Greece — American Gail Devers, the fourth-fastest 100- meter hurdler in history, apparently will end her career without a medal in the event after five tries in the Olympics. Devers, 37, aggravated a serious left calf strain at the start of Sundays first-round hurdle race and slid under the first barrier after crashing to the track. “I can say Ive had a great run at all my Olympics,” Devers said in a statement. “I knew before I got in the blocks that it was already gone.”

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Acupuncture as a therapeutic intervention is widely practiced in the United States. An estimated 15 million Americans have undergone acupuncture, and about five million undergo the treatment each year. People may find the procedure painless, although some points in some patients may be quite sensitive. Depending on your practitioner, the needles may be twirled or warmed. There are many state acupuncture organizations, and many states also have acupuncture regulations and codes. Almost every state has a State Acupuncture Board, and there are more than 50 accredited schools of acupuncture in the U.S. Widely practiced around the world, especially in Asia (the practice originated in China) and Europe, acupuncture didnt gain a notable following in the U.S. until the 1970s, after President Richard Nixons visit to the Peoples Republic of China. James Reston, a member of the press corps accompanying Nixon, also piqued public interest when he wrote about how physicians in Beijing eased his post-surgery abdominal pain with needles. Acupuncture has been gaining popularity in the U.S. ever since.
Acupuncture is considered a form of treatment or therapy. However, acupuncture practitioners believe that acupuncture may be most successful when it is applied as an early intervention for symptoms or conditions. It may be that acupuncture can prevent some symptoms and conditions from becoming worse or chronic. To date, two studies have shown a positive effect in preventing breech births among pregnant women. More research is needed to define the preventive value of acupuncture.

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To order a digital print of this photograph (also available in colour) please ring 0171 293 2534 with your credit card details (Master/Visa only) or send a cheque made payable to The Independent.

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Leather JacketSoldiers of the Roman Empire invaded the lands of northern Europe and discovered Teutonic nomads wearing leather garments as protection against the harsh elements. When these soldiers returned to Rome with leather pants, the toga-garbed officials of the city tried to ban their use, but to no avail. Romans were soon using leather for shoes and tunics as well as for breastplates and shields. In fact, the first recorded tanning guild was formed in the Roman Empire.
> Blazers are no longer the stiff stuff of business meetings and formal affairs. In 2006, theres a style of blazer on the market for every personality type. Our current favorite: this stylish option from ROCK AND REPUBLIC ($395). Frayed edges and exposed seams give the jacket a street-smart, rough-and-tumble appeal, while its patchwork detail helps fulfill every guys rock-star aspirations.

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Shakespeare, Einstein, and the Bottom Line: The Marketing of Higher Education, David L. Kirp, Harvard University Press, 2003, $29.95The American love affair with the idea of market competition is taking higher education into its tight embrace-and it is making a lot of people uneasy.In Shakespeare, Einstein, and the Bottom Line, David L. Kirp takes a long look at the direction of American higher education, finding that the enterprise is losing its moral high ground to the baser behaviors of market competition.
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Small Business Publisher v3.1 helps create professional quality flyers, letterheads, brochures, labels, newsletters, advertisements, etc. with graphics, backgrounds, and artwork. Tools are provided for text, shape, and logo, with various shadow, rotation, and partial transparency settings. Software also supports color blending, textures, and high resolution output image capacity. Users can link to Excel or Access data files for data-driven publishing.
After completing the acquisition of three commercial printing companies at the end of April, Teldon International became one of the largest printers in lower mainland British Columbia. This current success is ironic because when the company was founded in 1969, and for close to 20 years after, it didnt own a single press.In the 1980s, Teldons management began researching the printing industry. “We decided that a large part of our program was on printed paper, like calendars. We decided to manufacture it ourselves,” says Michael McAdam, general manager and COO of Teldon International. To begin its internal printing capabilities, the company purchased a sheetfed press in the early part of the decade, then a Miller 66 half web press in 1989. Even after this printing expansion, the company still did not consider itself a printer. The presses were only used to manufacture the printed promotional products in the Teldon line.”Weve always viewed our promotional product side as our primary business,” says McAdam.

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Colorado Springs-area home construction continued its blistering pace in the first quarter, although one economist fears an oversupply could drive down prices in the next few years. Single-family home building permits totaled 1,392 from January through March — a 20.2 percent jump from the same period last year, according to figures released Friday by the Pikes Peak Regional Building Department. The number of permits this year puts Colorado Springs and El Paso County on pace to shatter the record of 5,059 single-family permits, set only last year.
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* David Cameron Executive VP Benfield Group Minneapolis * David Duffy Managing Director Guy Carpenter New York * Thomas Johnson Managing Director Guy Carpenter Morristown, N.J.
Joseph F. Mangan is a consultant in Scotch Plains, N.J. An informal survey of risk management and insurance professionals turned up some information thats hardly surprising. The survey asked respondents to rank frequently overlooked property exposures, and the clear winner was contingent business interruption.

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Despite early concerns, this year has turned out to be a pretty good one for the Computer Software Industry. Many had predicted a major slowdown in the US economy this year, in light of the economic turmoil that held on to most of Asia, Russia and South America. While some software companies were afraid that these problems would slow down sales overseas, most of this sector has been relatively unaffected. There were also fears that companies making efforts to adjust their programs for Y2K and to work with the Euro next year, would siphon off
Whats new in computer software for painting contractors? Since the last PWC article on software two years ago, many programs have become more user friendly, and software developers have expanded the capabilities of some of their previous offerings based on user feedback. “If you did an estimate using just an electronic calculator and did all the calculations that Expert Estimator does for you, youd go out of business, because it would take a week to do every estimate.” So says Dean Johnson, who set out to develop user friendly software that you can adapt for your individual type of business. Johnson is currently in the process of updating Expert Estimator 2.1, including cosmetic changes that make it easier to use, but the big news is that a totally new release, Expert Estimator 3.0, is scheduled for this summer.

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Smokeout help available The American Cancer Society, the El Paso County Department of Health and Environment and Memorial Hospital are presenting free “Getting Ready to Quit” programs on Thursday as part of the Great American Smokeout.
Medical coverage for seniors STRONG POINTS: major medical/surgical services, cancer and heart care, rehabilitation services WHAT IS NEEDED: more primary-care physicians in general, geriatricians in particular, and doctors who will accept Medicare patients (problems that also face many U.S. communities) THIS SAYS IT ALL: “If you move aging parents to this community, the No. 1 block is that they dont have a primary-care doctor.” - Max Morton, director of prevention and wellness services for Penrose-St. Francis Health Learning Center.

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Air Travelers Tech Perspective If you count yourself among the ranks that racks up more frequent flyer miles than you know what to do with, chances are youre anxiously waiting for the day that reasonably priced, always-on Internet connectivity becomes a reality — both on the ground and in the air. Weve asked a leading expert on travel and air transport to help us provide perspective on the present and future outlook for airport and in-flight technology. Here are highlights of our conversation with Aram Gesar, Editor of AirGuide Magazine and AirGuideOnline. Unless business takes you to small markets or youre a member of an airline airport club, youre probably still in search of Wi-Fi nirvana. Large airports have been slow to establish wireless networks because of their size, but smaller airports are offering free Wi-Fi to attract business travelers, says Aram Gesar. Check out Wififreespot.com for a list of all the airports offering free wireless access. At the larger airports there are often a variety day pass and one-time use options available ranging from $5 to $15. Aram suggests Wi-fihotspotlist.com to locate hotspots in major metro areas. Looking to the future, Gesar says, we can expect to see technology in airports to mirror what frequent flyers use at the office and home, but this will be a slow evolution based on customer feedback and demand.

  * How have the events of Sept. 11th changed air travel?
  * What are some of the top ten “must-knows” concerning
the new FAA regulations?
  * Why have the new regulations eliminated curbside
baggage-check?
  * What are some other changes?
  * What can consumers do to minimize travel delays that are
likely to result from these new regulations?
  * How are airlines working to minimize delays?
  *Have the regulations also changed booking travel on the Internet?

Cornish F. “Con” Hitchcock is a travel expert and with more than 20
years experience as a passenger advocate at both the Aviation
Consumer Action Project (ACAP) and Ralph Naders Public Citizen. An
attorney, Mr. Hitchcock is chairman of the Orbitz Consumer Advisory
Board, the consumer advocacy arm of the Orbitz.com travel Web site.

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CareCredit, the Nations Leading Patient Financing Program, to Make Company Services More Affordable and Significantly Expand Market Base For more than 20 years, CareCredit, a GE Money Company, has helped over five million cardholders get the healthcare treatments they want and need, according to their website. CareCredit is accepted by over 75,000 providers in a wide range of services including LASIK and vision care, veterinary medicine, dentistry, cosmetic surgery, hearing care and more. They are the nations leading patient financing program. We are very excited to be able to offer our customers a reasonable and accessible payment program, said Robin Smith, Chief Executive Officer of NeoStem. We believe that this will allow a greater number of people access to our important service, allowing them to store their own stem cells for personal use in the future.
Making Money: An Insiders Perspective on Finance, Politics, and Canadas Central Bank, by John Crow. Etobicoke, Ontario: John Wiley Sons Canada. 2002. Cloth, ISBN: 0470831804, $25.50. 256 pages. The first part deals with the domestic role of monetary policy and the progressive elaboration of a coherent central banking policy in Canada. This part starts with a historical account of the role of the Central Bank of Canada since its creation in 1934. Then, the author develops an interesting chapter about the proper role of a central bank for financial stability by looking at the Canadian experience regarding bank supervision, settlement management, systemic and liquidity crises, and the lender-of-last-resort operation. The Central Bank of Canada never has been directly involved in the supervision of banks, and John Crow is rightly unhappy with this situation: “The Bank and what it knows cannot be ignored in supervisory decisions regarding financial institutions” (p. 77). The second part of the book analyzes the Canadian experience concerning foreign affairs. The most interesting part concerns exchange rate matters. Canada has a long tradition of a flexible exchange rate regime. The author shows the importance of communicating with financial market actors to limit disruptions in the exchange rate, but he also recognizes that the willingness to be transparent can lead “to confusion instead of clarity” (p. 120).

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Thanks to a pharmacological breakthrough, The “polypill” will soon be with us. Combining six different heart medications in one supercharged tablet, its the latest in a line of pharmaceutical attempts to banish heart disease. What a sad indictment of our attitude to health that we could consider such mass medication as a solution for a health epidemic whose causes are clearly apparent and could be virtually eradicated through education and personal responsibility. The Western “cardiovascular crisis” could be consigned to history with a change in attitude and a willingness to implement what we already know. Why wait for the polypill when you can make a real difference to your heart health, starting today. When it comes to preventing a heart attack or stroke, little changes will cumulatively pay big dividends.
Medical coverage for seniors STRONG POINTS: major medical/surgical services, cancer and heart care, rehabilitation services WHAT IS NEEDED: more primary-care physicians in general, geriatricians in particular, and doctors who will accept Medicare patients (problems that also face many U.S. communities) THIS SAYS IT ALL: “If you move aging parents to this community, the No. 1 block is that they dont have a primary-care doctor.” - Max Morton, director of prevention and wellness services for Penrose-St. Francis Health Learning Center.
School physicals To celebrate National Community Health Centers Week, Community Health is offering a special rate for school and sports physicals. Through Sept. 1, the physicals will cost $25 - or less for those who qualify for further cost reductions. The usual charge is $71. The physicals are offered from 10 a.m.- noon and 3-8 p.m. weekdays at Community Healths Immediate Care Clinic, 2858 International Circle. No appointments are necessary. For information, call 630-6440, Ext. 6363.

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Susan Hahns books of poetry are Harid Rubins Mothers Wooden Hand, 1991, and Incontinence, 1993. Both are published by the University of Chicago Press. They also recently published her third collection, Confession.
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epoch has recognised that there are things pleasing to contemplate independently of the desire we may feel for them. He has no preconceived definition of beauty. Beauty and art were not always so closely related as today: beauty belonged originally to nature, not to created things. This book is therefore a history of Beauty and not a history of art (or of literature or music. Somewhat ironically, however, ideas of beauty are here mainly illustrated by works of art and not, for example, by loaves of beautifully made bread or beautifully laid brick walls. Images and textual selections work together to show that there is no absolute concept of beauty in things or men but criteria shaped by different eras and places.

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Magnet therapy has been around for centuries in China, India, Egypt, and Greece. In more recent years it has spread west to some European countries, but in North America it is still regarded as alternative medicine (and is one of the therapies being studied by the National Institutes of Health). There is extensive foreign literature on magnet therapy for pain relief and while the quality of the research varies widely, some studies look good. There have been only a few published studies in the United States. One from Baylor College of Medicine in Houston showed that magnets were more than twice as effective as placebos in treating post-polio, muscular, and arthritic-like pain. Another study from New York Medical College showed good results using magnetic shoe inserts to treat diabetic neuropathy (foot pain some diabetics suffer). Although some US, doctors believe there may be something valid in the use of magnets, many remain legitimately skeptical. American physicians generally want a good, solid base of randomized, double-blind, placebo-controlled, multi-center trials clearly demonstrating effectiveness and safety before recommending a therapy to their patients. Even if risks are not a concern (which seems to be true for magnets) the expense can be significant, and even more important, proven treatments may be passed over for an ungrounded hope. There are many traditional medical therapies that are well accepted by the American medical establishment and yet are not fully understood. Still, it is always nice to have a hunch how a therapy works. Theories abound for magnet therapy, but so far any possible mechanism remains to be proved. There is no shortage of anecdotal claims of success. Anecdotal claims do not constitute conclusive scientific proof, but the absence of side effects or prohibitive cost, lead many people with chronic pain to give it a try.
When Ronnie Lott joined the Los Angeles Raiders in 1992, he was 33 years old, a veteran of 11 brilliant but bruising seasons, and had a history of arthritic knees and other physical ailments.Ronnie had always been a conditioning fanatic, but the pain in his joints was forcing him to cut back his training regimen and adjust his technique.Electromagnetic energy and the human body have an important interrelationship. MFT can be used in both diagnosing and treating physical disorders. It can relieve symptoms and, in some cases, retard the cycle of new diseases. In recent years, trainers and medical people have been using it to eliminate pain, facilitate the healing of broken bones, and counter the effects of stress.

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Business/News Editors, Travel Writers For the second consecutive year, Frontier Airlines (Nasdaq:FRNT) is proud to saddle up as the official airline of the National Western Stock Show, a 97-year Denver tradition.
Around 6 you hear them - horses galloping from the upper pasture and splashing across Wolf Creek, wranglers pushing them on. Mornings have begun this way for nearly a century at Eatons Ranch, the oldest dude ranch in the world. That may seem a frivolous claim to fame, but it is not. There is the West that occupies the map, and the West that occupies the imagination. Eatons belongs in both.Howard Eaton moved his operation to Wyoming in 1904 to give guests easier access to high-mountain scenery. That event looms large in the history of Eatons, which has otherwise changed so little. When you ask Nancy Ferguson - Howard Eatons grandniece and the doyenne of the two dozen Eaton descendants who work the ranch today - whether Eatons is much different from what it was when she was a girl, she has to think. “We have a few new cabins. But thats about it. We try not to do anything new and fancy. Keep it plain.”Running a place like Eatons is like performing a good rope trick - it looks easy, but it isnt. The ranch has 7,000 acres, 51 cabins, eight wranglers, and 200 horses. The last figure may be the most important because while other ranches have gone “fancy” with golf courses and aromatherapy weekends, Eatons still lives by and for the horse.

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In an era of advanced technology, U.S. troops may find that four-legged transportation works better than their modern-day Humvees in the deserts of Afghanistan. Like the Civil War soldiers who fought before them, todays Army understands that a horse and rider can be a formidable fighting machine. A new documentary film entitled Horses of Gettysburg takes an in-depth look at this partnership. The film is narrated by Ronald F. Maxwell, director of Gettysburg and Gods and Generals, and captures the unique bond between soldiers and their horses in the Civil War. Currently available for preorder, the 2-DVD box set will be released on May 2, 2006. The box set contains the 116-minute Directors Cut from the high-definition master with more than 3 hours of additional DVD features that celebrate the forgotten heroes of the Civil War and their critical role in shaping the United States of America that we live in today. Included in the Special Features are interviews with Ronald F. Maxwell, notable Hollywood horse wrangler Doug Sloan and Gettysburg National Military Park Ranger and Civil War author Eric Campbell. When discussing the horses involvement in the Civil War, Campbell says, Horses made the Civil War possible.
IRISH Derby hero Dylan Tomas returns to the scene of one of his greatest triumphs this afternoon in the Ascon Rohcon Alleged Stakes at the Curragh. Aidan OBriens charge emerged as one of the best colts of his generation with a stunning victory here last July. He showed he could compete with the very best over 10 furlongs when defeating Ouija Board in last Septembers Irish Champion Stakes.

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Laminates luster still sparkles at record-breaking Surfaces 2000. FOUR YEARS HAVE passed since laminate flooring burst onto the North American flooring scene at Surfaces, the North American floor covering industrys most important annual event. Ever since, a few dozen companies of diverse backgrounds and makeups have fought arduously for their share of distribution and sales in an expanding but highly competitive market. Surfaces 2000 was characterized more by the expansion of individual companys laminate flooring line palettes than by any product design breakthroughs, a la the eye-catching grouted-tile look introduced by Uniboard, Formica and others at Surfaces 99. A notable exception was Manningtons introduction of iCORE, manufactured with a synthetic core and patent-pending Snap-and-Fit fastening system.
Snapped together, FreeStyles interlocking edges become invisible and can be walked on immediately. FreeStyle tiles contain an antimicrobial agent that resists bacteria, fungi, mold, and mildew formation, and moisture does not remain trapped beneath the tiles. Tiles can be easily removed and replaced if damaged without cutting, as well as moved and reused for a variety of temporary or seasonal applications. Patterns include slate-look Classic Stone, available in six colors, and wood-grain Natures Wood, available in Red Oak, Cherry, Maple, and Pear. Custom FreeStyle colors, patterns, and logos are also available.

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I am looking for an architect to do a gut renovation of a 1944 home in San Francisco. We plan on adding a third story and changing the layout of the home as well. I like many of the remodel projects I see in Sunset and am wondering if you can point me in the right direction to find an architect. The first gentleman I met was published in Sunset; while I really like his work, Id like to compare it to some others as well.
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Five local contractors took top honors for eight projects in the 6th Annual Wisconsin Remodelers competition. The winners were selected from more than 75 entries for work completed in 1994. S.J. Janis Company for residential baths under $15,000.

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Mastercam/CNC Software Inc.
CNC Software Inc. CNC Software announces that its Mastercam X software is capable of supporting 3Dconnexions full line of motion controllers. The softwares default configurations are part of the motion controller driver, CNC Software says, giving users increased productivity. The company adds that the controllers apply light pressure to the controller, translating the users sense of touch into 2-D and 3-D movements.

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Business Editors/Travel Writers ST. PETERSBURG, Fla.–(BUSINESS WIRE)–Feb. 10, 2004 Avalon Global Group, Inc., the parent company of Payless Car Rental System, Inc., announced today the opening of a Payless Car Rental corporate store in Atlanta, Georgia. Located near the Hartsfield-Jackson International Airport, the store will primarily serve airport customers with plans to expand into the local community.
First Membership-Only Service in the Atlanta Market Atlanta Driving Club is a car lovers dream - a garage full of the finest cars in the world with none of the worries or astronomical costs of exotic car ownership, said Atlanta Driving Club Founder Scott Hoover. While the club purchases, maintains, licenses and stores the vehicles - no small feat when owning cars like Lamborghini, Porsche and Bentley - members are able to enjoy the benefits of a collectors garage with none of the hassles. Members just need to decide which car in the collection they want to drive. Atlanta Driving Club offers three yearly membership packages ranging from a $6,000 trial membership averaging 10-25 driving days to the premier $16,000 platinum-level membership which affords members approximately 90 driving days. Also, memberships include unlimited mileage, available on-site detailing and storage of personal vehicles, 24-hour roadside assistance for club vehicles and entertaining club activities (racetrack days, social networking events, poker parties, drive-trip planning, new car premieres and more).
ATLANTA — Last graph, last line, phone number should read 404-766-1661 (sted 404-766-1664). FULTON MOTOR CARS, INC. ACQUIRES NALLEY CHEVROLET IN ATLANTA; DEALERSHIP RENAMED AIRPORT CHEVROLET

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The most valuable sale of Impressionist and modern art ever staged in Britain is to take place in London on Monday. Simon Shaw of Sothebys said: “London was very much eclipsed by New York during the 1990s. Now were seeing that reversed.” In terms of the quality and range of the works consigned for sale “this looks very much like a New York sale”, he said. “Although were not equal with New York, the balance is shifting very significantly. Five or six years ago we were rarely selling $10m pictures. Now were selling quite a few.” The most expensive work is Jeanne Hebuterne (Au Chapeau) by Amedeo Modigliani, expected to make up to pounds 12m. Other works include La Sortie du Bain by Edgar Degas, a pastel dating from around 1895. Paintings by Pablo Picasso include Le Peintre et son Modle, estimated at up to pounds 7m and Les Courses Auteuil, from the start of his career in 1901, estimated at up to pounds 2.5m. There are also works by Raoul Dufy, Camille Pissarro, Alfred Sisley and Gustave Caillebotte.
The most valuable sale of Impressionist and modern art ever staged in Britain is to take place in London on Monday. Simon Shaw of Sothebys said: “London was very much eclipsed by New York during the 1990s. Now were seeing that reversed.” In terms of the quality and range of the works consigned for sale “this looks very much like a New York sale”, he said. “Although were not equal with New York, the balance is shifting very significantly. Five or six years ago we were rarely selling $10m pictures. Now were selling quite a few.” The most expensive work is Jeanne Hbuterne (Au Chapeau) by Amedeo Modigliani, expected to make up to pounds 12m. Other works include La Sortie du Bain by Edgar Degas, a pastel dating from around 1895. Paintings by Pablo Picasso include Le Peintre et son Modle, estimated at up to pounds 7m and Les Courses Auteuil, from the start of his career in 1901, estimated at up to pounds 2.5m. There are also works by Raoul Dufy, Camille Pissarro, Alfred Sisley and Gustave Caillebotte.
Manchester Art Gallery, Mosley Street (0161-235 8888) to 8 Nov, Tue-Sun 10am-5pm, free

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By Conseco Finance * Features: deferred payments; debt consolidation; no equity program Circle 338 on Postage Free Card
As your new president, I face a challenging task when it comes to speaking to you about school finance. Let me give you my dilemma. It is the end of the school year as I write this piece and I am reflecting on the uncertain state of school finances in coming months and what these financial challenges mean for us as school system leaders. You will share my frustration that as many as half the nations students may be directly shortchanged of the education they deserve, with the remainder not immune to the impact of belt tightening. As bad as that news is, last year at this time NCSL found 36 states with budget gaps. On the other hand, NCLB and IDEA could be funded retroactively, which would help make up for last years budget shortfalls that resulted from unfunded or underfunded mandates. If you are a school leader in one of the rare districts whose state legislature decided this summer to support quality education with adequate funding for all your schools, the future must look bright, so you can skip the remainder of this column. If youre not in that sunny camp, please continue and let me share my thoughts.

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SPOTTED a great idea in a British school. healthy vending machines. I hope spreads.
One morning in October, Mike McGee stopped to inspect the Coca- Cola vending machines that he had installed in a new student recreation center at Harvey Mudd College in Claremont, Calif. “Back in the old days, they came around here saying, `Sell our product,” recalled McGee, whose father started the business in 1961. “Now that we need their product, they say, `Well still sell it to you, but were also going to be in business against you.” So McGee pulled his machines from Harvey Mudd, just as he took machines out of nearby Scripps College and two accounts serving California city buildings a few months ago. “Theres just no way I can compete,” he said. Vending machines, a highly profitable market, have become an important new battleground in the soft-drink business, and Coca- Cola, through its bottlers, is by far the biggest and the most aggressive competitor. “Were in a period of intense competition between bottlers and full-line vending operators for the control of soft-drink vending machines,” said Elliott Maras, editor of the trade magazine Automatic Merchandiser. For consumers, the battle has led to greater availability of soft drinks at somewhat lower prices. But many Coke-vending-machine owners and distributors across the United States complain that the fight is not fair. They say that Coca-Cola, which owns 44 percent of Coca-Cola Enterprises and all the rights to popular brands like Coca-Cola, Diet Coke and Sprite, is using its dominant position to take business away from them. The power of Coca-Cola bottlers over distributors, they say, is further enhanced by a 1980 federal law that gives local bottlers exclusive rights to sell soft-drink brands in a certain territory. More often than not, in Cokes case, the local bottler is Coca-Cola Enterprises, which did $3.2 billion worth of business last year, according to an earnings report. The complaints have led to investigations and lawsuits in several states, people involved in the inquiries said. A spokesman for Coca-Cola Enterprises said the company played by the rules. “We deal with our customers in a fair and equitable manner,” said spokesman John Downs Jr., “creating value for them and satisfying the refreshment needs of our consumers.” He added, “It is our policy to fully comply with all laws and regulations applicable to our business operations.” Distributors who are accustomed to selling Coca-Cola products — which have a 43.9 percent market share in the United States — but are troubled by the presence of Coca-Cola Enterprises as a rival say that they cannot simply switch to selling other brands: Their investments, market demand and other competition prevent it. At the same time, they have no choice but to buy from the local bottler because Coca-Cola will penalize any bottler that sells to customers from outside its designated territories. As a result, say many smaller vending-machine owners and distribution companies, a bottler can raise prices at will and otherwise dictate the terms of business. “My opinion is, they overprice us in order to keep us in a less competitive position than they have,” said Ladd Little, who runs L.C. Vending, his familys company in San Antonio. Like McGee, he is a customer of Coca-Cola Enterprises, which controls the Coke bottling business in most of Texas. Little says that the price Coca-Cola Enterprises charges him is higher than what he can find elsewhere. “I buy a truckload a week,” he said. “I can buy it for less at the grocery store. But they wont allow that grocery store to sell it to me in quantity, either.” Several New York distributors say they are trying to organize to resist the competition from Coca-Cola Enterprises. “We just want them to sell us the product for the same prices that they sell it to themselves,” said one distributor, who spoke on the condition of anonymity. “Theres got to be something wrong with being the wholesaler, and the retailer, and being protected by the law.” Constance L. Hays prepared this article for the N.Y. Times News Service.

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Gun Safe [ILLUSTRATION OMITTED]

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Maria E. Dennison is moving to Kansas from Mississippi Maria E. Dennison, 37, of Biloxi, Miss., is the new circulation director at The Topeka Capital-Journal. Dennison, who starts Monday, comes to The Capital-Journal from The Sun Herald, of Gulfport, Miss., where she was circulation retention and marketing manager. She worked for nearly four years at The Sun Herald, which has a daily circulation of 46,000 and a Sunday circulation of 52,000.
The proposed ordinance being considered by the Orem City Council would allow the following businesses to locate in historic homes:

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