Chemical & Engineering News | Bacteria Bearing Messages Chemical & Engineering News Living SPAM SPAM arrays like this one can encode messages about one sentence long, such as "this is a bioencoded message from the walt lab at tufts university 2011." Cathode Materials: Encasing sulfur in nanofibers could help high-energy batteries ... Glowing bacteria encrypt codes Professors Encode with E. Coli Scientists hide messages using E. Coli bacteria |
Thursday, September 29, 2011
Bacteria Bearing Messages - Chemical & Engineering News
ovaluleq.wordpress.com
Tuesday, September 27, 2011
Number of unvaccinated shrinking at Fresno Unified - Fresno Bee
hustenuejib1630.blogspot.com
Number of unvaccinated shrinking at Fresno Unified Fresno Bee After spending the day sequestered in gymnasiums and cafeterias throughout Fresno Unified, about 850 students turned in proof of their whooping cough booster by the end of the school day Monday. ... |
Saturday, September 24, 2011
Home sales up 9 percent in Alabama - South Florida Business Journal:
burdukovahycel.blogspot.com
According to the at the , 3,409 homes were sold in the statlast month. That’s a nearlyy 9 percent increase over theprevious month, but a nearlyg 26 percent drop from May 2008. The center reported the Alabams Housing Affordability Index increaser more than 15 percent for the first quarter of this year over the same time periodslast year, due in part to lowet interest rates, a slight decrease in median home sale prices and an increass in median income. In May, median sellintg price for a home in Alabamqwas $125,249 – a fraction higher than the previoue month and more than 4 percent lower than May 2008.
Inventort of homes for sale in Alabama rose a fractiobn over the previous monthto 41,210, leaving a 12.1 monthy supply of homes on the But, said the report, that’a nearly 8 percent less than the same monthu last year. “The state’s abundant housing inventory will need to gradually reducwe towardhistoric five-year average (34,0009 +/- units) during the upcoming summer ‘buying season’ for the marke t to stabilize – a precursor to said the report. “Looking for a sign of stabilization??
Look no further than when this figures falls to either side of nine monthsof
According to the at the , 3,409 homes were sold in the statlast month. That’s a nearlyy 9 percent increase over theprevious month, but a nearlyg 26 percent drop from May 2008. The center reported the Alabams Housing Affordability Index increaser more than 15 percent for the first quarter of this year over the same time periodslast year, due in part to lowet interest rates, a slight decrease in median home sale prices and an increass in median income. In May, median sellintg price for a home in Alabamqwas $125,249 – a fraction higher than the previoue month and more than 4 percent lower than May 2008.
Inventort of homes for sale in Alabama rose a fractiobn over the previous monthto 41,210, leaving a 12.1 monthy supply of homes on the But, said the report, that’a nearly 8 percent less than the same monthu last year. “The state’s abundant housing inventory will need to gradually reducwe towardhistoric five-year average (34,0009 +/- units) during the upcoming summer ‘buying season’ for the marke t to stabilize – a precursor to said the report. “Looking for a sign of stabilization??
Look no further than when this figures falls to either side of nine monthsof
Thursday, September 22, 2011
Lean economic times call for lean measures for Wichita-area banks - Wichita Business Journal:
rmerujopi.blogspot.com
Area bank executives say tougueconomic times, which have been especially so for the nation’d financial sector, have acted as a caution lightr for local institutions that otherwise may have been looking at new There’s a premium today, they say, on preservin capital. It comes after 15 new branches opened in the Wichita metro during the pastthree years. Another is planned for Some of those werereplacement branches, but they all represented investment by locao banks.
“Unless somebody had something in the it wouldn’t surprise me to see hold off on a lot of that,” says Clarkl Boyer, president of , which opens its east side branch next monthb near 21st and Greenwich Road. “I don’tg know how it could keep up with that pace going on with the recessionaryh timesupon us.” So far, only has announced a 2009 planning to build a branch near 33rd Streett North and Ridge Road. The bank long has sought a presenc inwest Wichita, says Rocky president of Rose Hill Bank. But Winfield-based has put plans on hold for a branch near 13th Street Northand Greenwich.
The bank alreadhy purchased a lot in adevelopmenrt there, but it recently had to raisd additional capital in the face of an enforcemen t action by a federal regulator. And BankHaven pullefd out of Wichita altogether, saying its brancbh at 13th Street and Tyler Roadwas under-performing. Citizense Bank of Kansas later purchasedthe building. But that mightr become more common, Boyer says. “Wr have some banks in the area that are havinsome issues,” he says. “If we start getting some aviatiojn layoffs, I think we’re more likeluy to see some consolidation.” But untilk now, new branches have been opening everhy three monthsor so.
Some complainh the city is over-branched. “I guess we will stop makint theproblem worse,” says Tom Page, presidenyt of . His bank doesn’t have plands for new locationsthis year. To do it he says, “You can get to $1.5 to $1.8 million very But the cautiousspending isn’t limitesd to branching, says Steve Hill, executive vice president and chievf financial officer for Winfield-based CornerBank. He says equipment and technology vendorxs have told him their orders for 2009are CornerBank, he says, isn’t buying computedr hardware this year and won’t replace ATMs unlesx they’ve completely worn out.
“You’ll probablu see a maintenance mode for the next Hill says. “It’s kind of a year of uncertainty (for Eric Goering, president and CEO of Wichita-basedf LendingTools.com — a maker of banking softwarw — says he saw that uncertaintt in 2008 as activituy slowed amonglarger institutions, causing the companh to miss its growth goals for the But the firm, which caters to community banks, still posted 20 to 30 percenty revenue growth, Goering says. It’s expectinfg 2009 growth to surpass 20 percent but Goeringremains realistic.
“Wed have customers all around the It’s kind of working its way the same way fashiotrends do, if nothinh else,” Goering says. “It starts in the coastd and works itsway in.” Larger banks, Goerin says, have been “distracted” by increasing compliance requirements and more time spenty on risk management — “worried about survival rathefr than new opportunity.” “I think people are lookinyg at it that way, making sure thei r fundamentals are covered,” he says.
“We definitely are pushing cost savingw more than weused
Area bank executives say tougueconomic times, which have been especially so for the nation’d financial sector, have acted as a caution lightr for local institutions that otherwise may have been looking at new There’s a premium today, they say, on preservin capital. It comes after 15 new branches opened in the Wichita metro during the pastthree years. Another is planned for Some of those werereplacement branches, but they all represented investment by locao banks.
“Unless somebody had something in the it wouldn’t surprise me to see hold off on a lot of that,” says Clarkl Boyer, president of , which opens its east side branch next monthb near 21st and Greenwich Road. “I don’tg know how it could keep up with that pace going on with the recessionaryh timesupon us.” So far, only has announced a 2009 planning to build a branch near 33rd Streett North and Ridge Road. The bank long has sought a presenc inwest Wichita, says Rocky president of Rose Hill Bank. But Winfield-based has put plans on hold for a branch near 13th Street Northand Greenwich.
The bank alreadhy purchased a lot in adevelopmenrt there, but it recently had to raisd additional capital in the face of an enforcemen t action by a federal regulator. And BankHaven pullefd out of Wichita altogether, saying its brancbh at 13th Street and Tyler Roadwas under-performing. Citizense Bank of Kansas later purchasedthe building. But that mightr become more common, Boyer says. “Wr have some banks in the area that are havinsome issues,” he says. “If we start getting some aviatiojn layoffs, I think we’re more likeluy to see some consolidation.” But untilk now, new branches have been opening everhy three monthsor so.
Some complainh the city is over-branched. “I guess we will stop makint theproblem worse,” says Tom Page, presidenyt of . His bank doesn’t have plands for new locationsthis year. To do it he says, “You can get to $1.5 to $1.8 million very But the cautiousspending isn’t limitesd to branching, says Steve Hill, executive vice president and chievf financial officer for Winfield-based CornerBank. He says equipment and technology vendorxs have told him their orders for 2009are CornerBank, he says, isn’t buying computedr hardware this year and won’t replace ATMs unlesx they’ve completely worn out.
“You’ll probablu see a maintenance mode for the next Hill says. “It’s kind of a year of uncertainty (for Eric Goering, president and CEO of Wichita-basedf LendingTools.com — a maker of banking softwarw — says he saw that uncertaintt in 2008 as activituy slowed amonglarger institutions, causing the companh to miss its growth goals for the But the firm, which caters to community banks, still posted 20 to 30 percenty revenue growth, Goering says. It’s expectinfg 2009 growth to surpass 20 percent but Goeringremains realistic.
“Wed have customers all around the It’s kind of working its way the same way fashiotrends do, if nothinh else,” Goering says. “It starts in the coastd and works itsway in.” Larger banks, Goerin says, have been “distracted” by increasing compliance requirements and more time spenty on risk management — “worried about survival rathefr than new opportunity.” “I think people are lookinyg at it that way, making sure thei r fundamentals are covered,” he says.
“We definitely are pushing cost savingw more than weused
Tuesday, September 20, 2011
Zignego big winner of stimulus funds - The Business Journal of Milwaukee:
budimirukaovyril.blogspot.com
The contract is part of the $105. million from the federal America n Recovery and Reinvestment Act divvied up by the state in late Sinceearly spring, the Wisconsin Departmeng of Transportation has awarded transportation-relatef contracts valued at more than $692 million to put road and bridge builders back to work. Statde officials said the bids were 5 percent lower than DOTengineering projections. Of all stimulusd bids let so far, Wisconsin companiesa have come in 7 percent lowerthan DOT’s estimates. The stat DOT is distributing the stimulus money ona low-bi basis.
The money is availablw from the $787 billion American Recovery and Reinvestment Act that Congress passed and President Barack Obama signedin January. “For the thir month in a row, we’ve received lower than expectedr bids, which is good news for taxpayers becaus e it provides an opportunity to fund additionall projects withstimulus funds,” Gov. Jim Doyle said in a prepared statement.
The contract is part of the $105. million from the federal America n Recovery and Reinvestment Act divvied up by the state in late Sinceearly spring, the Wisconsin Departmeng of Transportation has awarded transportation-relatef contracts valued at more than $692 million to put road and bridge builders back to work. Statde officials said the bids were 5 percent lower than DOTengineering projections. Of all stimulusd bids let so far, Wisconsin companiesa have come in 7 percent lowerthan DOT’s estimates. The stat DOT is distributing the stimulus money ona low-bi basis.
The money is availablw from the $787 billion American Recovery and Reinvestment Act that Congress passed and President Barack Obama signedin January. “For the thir month in a row, we’ve received lower than expectedr bids, which is good news for taxpayers becaus e it provides an opportunity to fund additionall projects withstimulus funds,” Gov. Jim Doyle said in a prepared statement.
Sunday, September 18, 2011
Skittish market chills Kansas City-area loans - bizjournals:
ramsdenjerrieas54.blogspot.com
Area banks remain skittish in the face of an unpredictabld realestate market. “Withg the uncertainty around real estate valuedsin general, it’s quite possible that lenders are goin to expect the owners to have more equity in the project to offset further reductions in values,” Presidenr Kevin Barth said. “As of now, we haven’t seen a huge reductionb in values forcommercial properties, but it’s highly possiblee we will.” Barth said most developers looking to buile an income-producing property need to have reliable tenants already lined up, to soothe a bank’xs worries about the loan payments.
Exceptions are made for longtime clients with solid track records, he said, but most of those developers are leer of taking the additional risk of building a speculativd project in a precarious market. With the secondaryh market forcommercial mortgage-backe d securities basically nonexistent, that only adds to the said Bob Regnier, president of . Banks, insurance companies, and saving and loans generally are the only institutions available to make commercial realestatee loans, he said, and without investorsx to resell the loans to, they have only so much capacity. It createss a very cautious mood.
“It’s just a more conservativde period where you have to lean on pastrelationships ... that is whered you’ll have the best chance to get adeal done,” Regniere said. Kevin Cook, director of ’s financial services group in Kansas saidhe doesn’t see an implosion brewing for the area’s commerciao lending market. The area didn’t have as many bank get in troublewith large, speculative developmentsx in states such as Arizona, Florida and California, he said.
commercial real estate is the next shoe to drop with but commercial banks have been building up reservese for theseexpected losses, even though they haven’yt specifically been charged off yet,” Cook said. “Big banks are recapitalizing, and I think regional and small community banks were more conservativedand weren’t really active players in the secondary market.” Grant Burcham, CEO of , said the only commerciak real estate loans the bank made were for owner-occupiee buildings. “It’s not as dependent on future rent, tenantsd or leases.
It’s dependent on the viability ofthe owner-occupant,” he “So if you’re a solid company, you can stillk construct a new building for yourself.” Burcham said most companies fitting that description aren’t building now, because they want their numbera to get back to normal first. Commercse Bank’s Barth said fewer lender are making owner-occupied loans right now because many banksw put too many eggs in that basket and regulatorws want morebalanced portfolios. It’s the same reason he expects Commerce’s commercial real estate lendingyto grow, even as it declinew at other banks.
“There will be a lot of loanes coming up for renewalthis year, and with some of the othedr banks overlending and having too much concentration there, we thini it is an opportunity for Barth said. “We kept a balancer portfolio and still have a lot of dry powder touse
Area banks remain skittish in the face of an unpredictabld realestate market. “Withg the uncertainty around real estate valuedsin general, it’s quite possible that lenders are goin to expect the owners to have more equity in the project to offset further reductions in values,” Presidenr Kevin Barth said. “As of now, we haven’t seen a huge reductionb in values forcommercial properties, but it’s highly possiblee we will.” Barth said most developers looking to buile an income-producing property need to have reliable tenants already lined up, to soothe a bank’xs worries about the loan payments.
Exceptions are made for longtime clients with solid track records, he said, but most of those developers are leer of taking the additional risk of building a speculativd project in a precarious market. With the secondaryh market forcommercial mortgage-backe d securities basically nonexistent, that only adds to the said Bob Regnier, president of . Banks, insurance companies, and saving and loans generally are the only institutions available to make commercial realestatee loans, he said, and without investorsx to resell the loans to, they have only so much capacity. It createss a very cautious mood.
“It’s just a more conservativde period where you have to lean on pastrelationships ... that is whered you’ll have the best chance to get adeal done,” Regniere said. Kevin Cook, director of ’s financial services group in Kansas saidhe doesn’t see an implosion brewing for the area’s commerciao lending market. The area didn’t have as many bank get in troublewith large, speculative developmentsx in states such as Arizona, Florida and California, he said.
commercial real estate is the next shoe to drop with but commercial banks have been building up reservese for theseexpected losses, even though they haven’yt specifically been charged off yet,” Cook said. “Big banks are recapitalizing, and I think regional and small community banks were more conservativedand weren’t really active players in the secondary market.” Grant Burcham, CEO of , said the only commerciak real estate loans the bank made were for owner-occupiee buildings. “It’s not as dependent on future rent, tenantsd or leases.
It’s dependent on the viability ofthe owner-occupant,” he “So if you’re a solid company, you can stillk construct a new building for yourself.” Burcham said most companies fitting that description aren’t building now, because they want their numbera to get back to normal first. Commercse Bank’s Barth said fewer lender are making owner-occupied loans right now because many banksw put too many eggs in that basket and regulatorws want morebalanced portfolios. It’s the same reason he expects Commerce’s commercial real estate lendingyto grow, even as it declinew at other banks.
“There will be a lot of loanes coming up for renewalthis year, and with some of the othedr banks overlending and having too much concentration there, we thini it is an opportunity for Barth said. “We kept a balancer portfolio and still have a lot of dry powder touse
Friday, September 16, 2011
Healthcare Costs Accelerate Slightly - HealthLeaders Media
iwibacibem.wordpress.com
Healthcare Costs Accelerate Slightly HealthLeaders Media The average per capita cost of healthcare services covered by commercial insurance and Medicare grew 5.71% over the 12 months ending in July 2011, representing a third straight month of modest acceleration of cost growth, Standard & Poor's Healthcare ... US Healthcare Cost Trends Are Mixed According to the S&P Healthcare Economic ... |
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