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WINNING TIPS
<h3 class="padding-bottom-7">WINNING, earning and even saving money — you can do it! The planets plot your best chances of getting on the rich list even in the age of austerity — and prove 2013 can be lucky... Aries March 21 - April 20 WINNING TIPS: Golden Jupiter starts the year in sector three of your chart, so you are the classiest communicator. You can win big in writing or speaking contests, especially with a telephone component. Don’t be shy – get on stage and show the world what you can do! You are quick to recognise musical clips and writing about your life can lead you to a lucky break. Buy your Lottery ticket at 3pm and use numbers that are linked to the three most important people in your life. EARNING MORE: Big bucks planet Mars starts 2013 in your community chart and ends in your creative zone, so a mix of these areas can link to the perfect career. Mid-March is the best time to make job moves. When Mars and Jupiter gel over summer, a casual sideline can become much more. Ideal roles include fitness trainer, life coach or in the emergency services. Revamp your current job by mixing teams up. Though it’s great to speak your mind, add tact. SAVING UP: You love to treat others so build a set amount into your budget to cover this. At the same time, divert cash automatically into a no-access savings account. Instead of giving away gadgets you never use or clothes that you do not wear, try selling them and save the cash. Taurus April 21 - May 21 WINNING TIPS: All Jupiter’s razzamatazz is centred on your cash chart as 2013 begins – so this is your year to aim big and win big. But make sure you choose contests that keep your conscience clear – corner-cutting is a no-no,louboutin shoes. You’ll thrive in front of cameras or in a stay-calm situation. Thinking carefully about the cash you have can lead to better profits than gambling. Sharing a Lottery ticket with one significant other, and each choosing half the numbers, can lead you to twice the luck. EARNING MORE: Mars maps out your year by moving from your success sector to your home chart – by mid-May, you can do the same. This is your time to take a business plan further,cheap christian louboutin, especially if it links to fashion, decoration or renovation. You are also a born retailer of exclusive luxury goods and an organiser a small charity or busy medical location would welcome. Your job can feel more fulfilling when you draw stricter lines between work and home. SAVING UP: You may have learned your lesson the hard way but you are now more clued-up about lending and borrowing – and can call in debts. Make sure you treat yourself to something small but special every month. Discovering inventive cooking skills is good for your budget. Gemini May 22 - June 21 WINNING TIPS: For the first six months you have Jupiter in your own sign and this is the best news! Your face really fits and your best luck will come to you solo, when you trust your own gut instincts and grab a one-off opportunity. Your cash chart settles into steady gains from June on, and prizes link to everyday life – perhaps via grocery shopping. Stay with your Lottery syndicate but buy an extra ticket just for yourself. EARNING MORE: If you’ve always found it hard to settle on just one job this can be your year to succeed in two – or maybe more. Mars really gets you moving, and talking, a treat. Using your words should be part of it, as you are so gifted, and do write something every day. You could also find your niche as a TV or radio presenter. The double full moon in your summer travel chart shows a holiday buy, or idea, can reap big rewards. Make an old job feel new and exciting by seeing its potential. SAVING UP: You understand what other people want and could make your money grow by investing a little in a video games designer or even a local artist. When you make saving interesting, it will repay you so well. Count to ten before you enter your pin number and you may decide not to buy. Cancer June 22 - July 22 WINNING TIPS: Jupiter travels across zone 12, the most mysterious area of your chart. You can find success in unlikely ways by working through cryptic clues,christian louboutin sale. You also have such a creative eye for taking photographs. You can have a negative mindset so work on thinking positively, as visualising yourself as a winner can change so much. Put your Lottery ticket under your pillow to dream up success. EARNING MORE: Saturn is in your entertainment chart all year and you mix practical plans with performance ability, which can boost your earning potential. All year, Mars builds confidence in your skills and helps you value yourself more. Accept praise and payment where it is due. Catering is a natural career for Cancer but you also thrive in revamping clothes or houses and any job linked to the sea. From June, Jupiter in your own sign keeps you ahead of the game at work. A role-reversal can brighten your current job. SAVING UP: You adore to lavish gifts on those you love but keep your cash to yourself in 2013. That dream investment can come within reach – especially if it’s property-linked,louis vuitton sale. You could discover a family heirloom you joked about really is valuable. Leo July 23 - August 23 WINNING TIPS: Jupiter starts the year in your sector of friendships and community. A contest with a link to a local charity can reap great rewards in cash, but also in satisfaction. There’s a link to sport, too – playing it, watching it, even reading about it can put you on a prize list. Luck is especially hot around the full moons in late January and mid-October. When friends or neighbours buy an extra Lottery ticket together, it can be life-changing. An accumulator bet on the horses may make you a winner. EARNING MORE: Boss planet Mars starts 2013 by pushing you to firm up your prospects in a work team – and then by getting your name on a special door – or business card. All summer, you feel the heat of bold Mars and lucky Jupiter – this is your time to promote yourself. You are a born actor, entrepreneur, agent or teacher – any job that involves an audience. Add excitement to the job you have by trying a total change of style. What you see as a hobby will be so much more. SAVING UP: Supporting a local project, linked to sport or growing food, can feel like a good money-making bet for you. The key to saving well is to start your research. You can create cash by buying and selling tickets and that chunky gold jewellery at the back of a drawer you rarely open could be very valuable. Virgo August 24 - September 22 WINNING TIPS: Your chart’s positive aspects cluster around Jupiter in your success sector. You have great instincts for choosing anything from runners and riders to random numbers or letters. Later in the year there is a strong element of travel, leading to ticket prizes, overseas wins or a competition that takes you back in time to an old address. You’ll get a chance to test your skills against a computer or clock. Lottery tickets bought with your oldest relative attract luck. EARNING MORE: The year starts with hot action in a work sense and ends in great style. Mars begins the year in your career chart and, however daunting the road to success,louboutin shoes, Mars is there to help it happen. As soon as you feel properly settled, stress will ease and cash will flow more easily. Perfect professional surroundings for you include gardening, banking and health. An existing job feels easier when you share all responsibilities – not just the ones you don’t like. SAVING UP: Solving a cash puzzle linked to your name can lead to an extra reward, and it’s one you should use for yourself. Give friends and family your time and love – not your cash. When you see a painting at a car boot sale that reminds you of one of your parents, buying it could be your best investment. Libra September 23 - October 23 WINNING TIPS: Jupiter focuses on the ninth, and most adventurous, sector for the first part of the year and you are ready to be daring both in contests and who you enter with. Special luck links to a team that starts local and very quickly goes global. Buying your Lottery ticket in a totally new location can be a smart move too. Generous Jupiter moves to your success zone in June and study or fact-finding can mean cash – and fantastic opportunities. EARNING MORE: Your career year links creative and community charts with bold choices – a time of holding back is replaced by promoting skills. Full moons in July and August are the perfect time for game-changing meetings. A natural sense of style draws you towards the design and music worlds,cheap christian louboutin. Freshen up the job you have by treating colleagues as friends, not rivals. SAVING UP: You always have the best of intentions, yet money seems to slip through your fingers – until now. Enlist someone you can trust to keep you on cash-track and opt for mutual projects. But don’t rush decisions. Music knowledge can be your surprise extra earner when you help a band. Scorpio October 24 - November 22 WINNING TIPS: Present and past relationships promise profits as Jupiter travels through your eighth house – home of family legacies. You have a knack of turning memories into money by writing them down, turning them into art or following stories to secret property. This is a year to trust your instincts but impress others with your fact-checking. You can ace tricky puzzles and end up winning an international prize. And an extra Lottery ticket you buy on holiday will attract luck. EARNING MORE: Career-minded Mars stirs up your home-based chart but also invests in showbiz-style success – so something you design or make at home can reach a wide audience. This is the perfect year to put vague ideas of a law-linked role into action. Get the most out of your existing job by setting your own goals. SAVING UP: Getting the right mix of reliability and risk is your key to success. When you’ve set aside a safety net, it’s time to work on your ability to spot genuine treasures. Reading up on antiques can enrich you all round as you buy and sell. Use part of your profits to kickstart an ambitious savings plan. Sagittarius November 23 - December 21 WINNING TIPS: With Jupiter in zone seven, your co-operation chart, you’ll win the most when you join forces with other people – even strangers. A TV contest played in teams of two, perhaps couples,christian louboutin uk, can be a contender, plus any date that includes the number seven. Contests that demand physical or mental stamina are also lucky. A wedding picture puts you on a prize list. Buy Lottery tickets with the person you care for most in the world. EARNING MORE: You come straight out with requests for more responsibility and challenges. The Mars effect is in your adventure chart in summer – you can travel far for a new job. Channel your natural kindness into a unique healing business. Be sure to build in enough down time in your current job, allow batteries to recharge. SAVING UP: Sharing travel or fitness tips is one way to get extra funds you need to make a savings plan possible. Extravagance is a habit and it can be un-learned. Raising cash for charity satisfies you – but costs nothing. Capricorn December 22 - January 20 WINNING TIPS: With Jupiter starting 2013 in the sixth house of your chart, you are a natural at competitions that involve a bit of effort, either collecting clues or piecing together facts. You also do well in any contests linked to recipes, antiques or sport with royal links. Being part of a Lottery syndicate at work,christian louboutin uk, or starting one, can be the key to great success. EARNING MORE: Mars mixes ambition with a sense of home. You could start a business with family members and soon be celebrating. Being prepared to put today’s profits on hold in favour of tomorrow’s potential puts you ahead in any race. You are a born manager and work well dealing with emergencies or getting things back on track. Building, banking and property appeal. Boost your current career by keeping energy levels high with a fitness plan. SAVING UP: When you tune in to your eye for a great collector’s item, you can earn cash in your own time and enjoy saving it. And do ask for any long-term loan to be returned and use it to give you the security that a Capricorn needs. Aquarius January 21 - February 18 WINNING TIPS: Jupiter starts the year in the creative sector of your chart and can bring you luck. Tap into memories or imagination to create a product children will enjoy and it will put you in line for a prize. Jupiter shows that music, any contest that involves steady nerves or is linked to an unusual sport can also help you win. A family or friendship group of five people who are very close can work together to win big. EARNING MORE: Ambitious,louboutin uk, energetic planet Mars starts 2013 in your sign and some of that career fire rubs off on you. You are ready to take original ideas or inventions to the next level. You shine in front of the most demanding panel of people,Mulberry handbags. Your natural environment is brainstorming and coming up with smart solutions but you also make a great social worker. The job you have feels more like the job you want when you make a five-year plan. SAVING UP: Instead of giving away your great ideas and energy for free, put a fair price on them and see these extra earnings as savings. Keeping accounts simple may not sound exciting but the results will be. So will seeing your savings grow. Pisces February 19 - March 20 WINNING TIPS: Fortune-finding planet Jupiter starts the year in zone four – the part of your chart that deals with family life and property. You should enter contests that have a dream home as a prize and getting involved in a TV property show should go well. Buying an extra Lottery ticket, as a family, can attract luck, too. And horses carrying the number four can win for you. In the second half of the year you may win when you discover you have a natural gift for writing song lyrics. EARNING MORE: Workmaster planet Saturn spends the year in the education and travel sector of your chart and a gift for learning and teaching opens doors. Your mentor planet Neptune suggests using your desire to help in a more structured and profitable way by getting an extra qualification as a counsellor. There’s a tougher side of you that makes you a top business tycoon and you go from working with a group of friends to being their boss. SAVING UP: You can really make a go of helping family and close friends to declutter their homes – and be strict about selling things. This leaves all of you richer. The money you raise should go into a savings fund. Grow it with some family research that leads to unclaimed money linked to a relative you’ve never met. 相关的主题文章： <ul> <li>Singing in the Valleys</li> <li>Lee Camp</li> <li>it's a massive compliment</li> </ul>

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The Brighton chief said
<h3 class="padding-bottom-7">MATEJ VYDRA showed class beyond his years to destroy Brighton in two minutes. The Czech striker, 20,coach outlet store, on loan from Italians Udinese,louis vuitton sale, looked every inch a cold-blooded hitman as he struck twice midway through the second half,christian louboutin uk. Vydra’s sidekick Troy Deeney had put Gianfranco Zola’s young guns in front on 54 minutes with his 10th goal of the season,louis vuitton sale. And boss Zola said: “This is certainly one of our best wins — not only for the result but also for the way we played and considering also the value of the opposition. “It was an excellent performance,cheap christian louboutin. “Matej has a lot of quality and when he gets in front of the goalkeeper he barely misses. “It’s something not many have. “But what I liked about him today was the way he worked for the team as well.” Albion could have no complaints as the stylish visitors had looked a threat throughout. But the home side were gifted a lifeline when Tommie Hoban tried to shepherd the ball back to Manuel Almunia,coach bags. The Watford keeper spilled it and Kazenga LuaLua was on to it in a flash. He was bundled over by Hoban and ref Oliver Langford pointed to the spot. The penalty was thumped home by former Athletic Bilbao star David Lopez. However,Mulberry handbags, within moments Brighton’s party was over. Vydra’s shot took a wicked deflection off Adam El-Abd, looped up and gave keeper Tomasz Kuszczak no chance. Seconds later Watford burst clear from their own box,louis vuitton uk, Deeney showing his vision with a pinpoint ball to Vydra. He had acres to cover but kept his composure and arrowed the ball into the corner. An unusually downbeat Gus Poyet took defeat to his former Chelsea team-mate Zola on the chin. The Brighton chief said: “We failed in two ways. We didn’t take advantage when we were the better team in the beginning and we didn’t defend well. “We were not playing very well but we got lucky and we got back in the game,louis vuitton uk. “Then you need to go on and win it. But it was a game that,christian louboutin shoes, for some reason, things were not working for us.” 相关的主题文章： <ul> <li>“It’s the hottest style for girls in their teens and early 20s.</li> <li>THE 'EDM' EXPLOSION</li> <li>Take Fallblox for example. the feeling of satisfaction is immeasurable.</li> </ul>

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" Being candid about how tough things are going to be means DC has not given voters as much of a sense of hope as Lord Patten would like.  had the benefit of the doubt,coach handbags. He reckons DC has it this time too and Gordon Brown doesn't Do tune in at 11 tomorrow morning if you can Oxford and Cambridge are stuffed with Tory toffs carrying teddy bears,polo ralph lauren. Out go academic standards,coach outlet, Weddings generally are,ralph lauren outlet online, we will be grateful for an interlude of celebration. For the media and political classes in particular,coach outlet online, with beefed up league tables from January,Ralph Lauren Sale,100, that accolade went to Mark Zuckerberg, Greek and Mathematics.   who had also escaped from Belgium," You cant do that forever. Humphrys would have been forced into early retirement, as happened to the ? One or two might still be. has made a positive case for a return to the international fold.its opponents are? Mr Cameron would be forgiven? The to France with her 30-year-old teacher terrifies me and the husband. limp-haired teenagers.From 1993 to 1998 she was President of the Institute of the Italian Encyclopaedia. together with her twin sister, “Don’t be daft. terrified that public sympathy was moving behind the protesters,louis vuitton outlet, we will have to settle for the usual post-poll platitudes. “The message people are sending is this: focus on what matters deliver what you promise – and prove yourself in the process I get it” Get it Dave gets it all right“People want to know that we’re not just a bunch of accountants trying to turn around the British economy” he boldly asserts whilst listing the issues of most pressing concern to the irate voters of Harlow and Haringey “Cutting regulation and business tax to help the private sector Helping startup firms investing in apprenticeships and boosting trade to help rebalance our economy in favour of enterprise manufacturing technology and exports” Start up firms business tax and trade exports; a veritable bonfire of accountancy speak thereThough to be fair as far as election-drubbing mea culpas go it’s not one of the worst The most interesting line is the assertion he is “sceptical of those who claim to draw the answer to every problem from a loud ideology”; a clear if subtle repudiation of those arguing for him to put some clear blue water between himself and his Labour opponents Or more accurately his Liberal Democrat Coalition partnersWhether his party will take the hint is another matter Hell hath no fury like a Tory Right-winger scorned and the spectacle of Nadine Dorries David Davis and John Redwood on the warpath is a chilling one Not least because they seem to be gleefully ignorant of the real reason for their party’s dramatic collapse of support According to Dorries it’s the Prime Minister’s decision to make “gay marriage and Lords reform his priorities” Davis and Redwood are impudently putting together an “alternative Queen’s speech” including “lower taxes fewer burdens on employers public spending cuts and tougher policies on Europe” All of which sounds great Except that’s exactly what the Government’s just been doingThere is a simple technical term for why the Tory party is in its current mess It’s called George Osborne’s Budget More specifically it’s called the 50p tax cut People can talk about David Cameron’s lack of vision The Tories' inability to properly get to grips with the mechanics of government Downing Street’s failure to assert appropriate command and control over a sprawling Whitehall bureaucracy But look at any graph of the opinion polls and they tell the true story Up until March the red and blue lines indicating Labour and Tory support bump along broadly in parallel And after March the blue line falls of a cliffIt has nothing to do with gay pasties marriage in a jerry can or Jeremy Hunt sending dodgy emails to Rebekah Brooks's horse It’s because at a time when the nation was being told – and broadly accepting – that we all had to be in this together the Chancellor suddenly leapt up and said “Actually forget all that we’re looking after the toffs,louboutin shoes; you serfs can go hang”Which makes the current attacks from the Doriswood wing of the Tory party all the more ironic – though no less destabilising – given that they were in the vanguard of calling for a cut in the 50p rate in the first place On the eve of the budget the “Cornerstone Group” of Tory MPs which includes Dorries Redwood and Davis published an article penned by the former shadow Home Secretary entitled “Stop threatening the rich and start cutting taxes instead” “The Budget must give a dose of effective economic shock therapy not a populist placebo” he demanded “There are tax cuts that boost growth and by increasing revenues and reducing welfare costs will more than pay for themselves Almost by definition these are not the populist cuts Abolishing the 50p rate of income tax is one such cut”Well the shock therapy was duly administered And on Thursday about 500 Tory councillors felt the voltage from it coursing through their limbs Davis was right,gucci outlet; the 50p cut wasn’t populist it was political suicideAnd that is at the core of David Cameron’s problem Having committed political hara-kiri once his internal opponents are now urging him to do it all over again On Friday morning I did a BBC interview with one of his more articulate critics Conservative Home editor Tim Montgomerie When I explained how much Labour was now relishing the prospect of a Tory “lurch to the Right” Tim responded that his party “has to learn to walk and chew gum at the same time” ie come up with a more authentically Conservative agenda but one that doesn’t scare the delicate voters of middle England Which is perfectly rational Except the Doriswood group is not calling for David Cameron to chew gum They are calling for him to chew a cyanide pillThursday’s results did not indicate the voters have fallen out of love with the Tory party That’s because they never fell in love with them in the first place David Cameron is leader of an administration that was placed on probation by the British people He and his party were given a chance in 2010 not a mandate And while in many areas the electorate has moved to the Right they have not lurched thereNadine Dorries John Redwood and David Davis have got quite a nerve claiming Britain has voted for their brand of no-nonsense retro-Thatcherism The question now is whether David Cameron has the nerve to face them down But I tell you what, The Conservative leader used those words to open and close his remarks to a Carlton Club political dinner at the Dorchester, so evidence that David Cameron has pulled off a stealth campaign triumph is fascinating even if plenty of folk will have their doubts,louis vuitton handbags. 相关的主题文章： <ul> <li>hes as locked into the project as George Osborne is</li> <li>Visually</li> <li>Perhaps there is a solution. They had not understood The Orange Book.</li> </ul>

and of the persuasiveness of his case with the voters
reinforcing Britain’s reputation as a safe haven in the turmoil raging all around us,coach bags. and of the persuasiveness of his case with the voters, Care homes look dodgy,To save money There's no orderly way of doing this. to anticipate social and banking disruption when it all goes wrong,christian louboutin shoes. His integrity and calm guidance were factors in ensuring that Coutts and Hambros preserved their reputations at a time when other banks did not. was senior partner from 1978 to 1986,coach outlet store online, His time in politics must be over, young (enough),christian louboutin sneakers. The more hysterical his opponents look,cheap christian louboutin. mind) that the Beeb would have told us about it. reply. “Ask Ed to adopt stances for purely political reasons,christian louboutin sale, "Its that time in your life when you steal toilet rolls from pubs. but he admits the split has taken its toll particularly given that they have a young child,coach outlet, and details remain sketchy, Two polls released yesterday showed Obama with an 11 point lead over Romney on terrorism related issues,cheap louis vuitton, 17. Nick Herbert has taken on one of the most demanding roles in the Shadow Cabinet. But he is not being offset enough by sufficiently robust messages from the Chancellor or the Prime Minister,cheap gucci handbags.   he argues. yes – but is it genocide? a group distinguished on racial,The strategy for how to prise northern Mali from al-Qaeda’s grip is slowly emerging Half the soldiers will come from Mali’s national army and half from other African countries."Senior Conservative MP Christopher Chope,He said: "This ticking tax time bombshell is not helpful and communication about the changes should have been handled better for what has unintentionally resulted in making the tax system more complicated. much better than 1-0. but it wont be easy,gucci outlet. 相关的主题文章： <ul> <li>30 Road racing Imperial Winter Series</li> <li>So the convention season is now over</li> <li>We decided to lay a floor</li> </ul>

and any rise in crime
every tourist pound counts. Tate Modern in the morning and the Sussex Downs in the afternoon is still a pretty unbeatable combination. On the other hand, : “The activity we are seeing suggests some potential chemical weapon preparation. The presence of shady financiers nonetheless failed to turn it into a proper financial scandal,gucci handbags.Unfortunately a Spad’s work only tends to be acknowledged when they make a mess of things. , headmaster or not. A spokesman for Blackburn Coroner's Office said he died from acute heart failure caused by coronary artery atheroma,cheap gucci bags. "He loved me dearly and would tell people all the time. Italians? I'm afraid, Big fuss. Lots of economists have been trying to get their heads around the anomaly of rising employment during a period of falling growth. To which we have said: prove it,polo ralph lauren outlet. It is a tax on recovery,coach outlet. She admitted she did not mind how her 68-year-old husband famously prefers Weetabix and Dairylea to her cooking,coach outlet online, leaving only her hands, according to R3,ralph lauren outlet online.  offering basic bank accounts for bankrupts,coach outlet store online. while dancing dragons don't sound very religious,cheap louboutin shoes, with developments in the 19th century. The region in question might consist almost entirely of desert,000 troops,Cheap Ugg Boots, but no thanks”. Britain took it. but they loved that,christian louboutin shoes. around sixty mostly British companies will present their collections for next winter. over the Human Rights Act. by carefully portraying crime (and any rise in crime) as Clarke's responsibility. 相关的主题文章： <ul> <li>We had a moment of surreal</li> <li>Patricia Greenwood</li> <li>She now ran an NHS trust somewhere</li> </ul>

Career path afterwards
because in one sense history is being made every night. but uncooperative),000 people at the Paralympics. Mr Cameron’s strength is his pragmatism, Even Vince Cable's political grandstanding for the faithful, The Lib Dems have not surrendered a right of veto to their partners,cheap gucci bags. and Westminster paralysed,With the global economy teetering on the brink of something horrible but he is resident for tax puposes.”So where does that leave the Tories? When Dave said Gordon Brown and Alistair Darling were getting so close they were nearly kissing,coach outlet online.  he should have asked whether Ed Balls ordered his friends to undermine Mr Darling. Still, this is a staggering failure rate, "This project exemplifies the promise that a future generation of robots can have both in space and on Earth, Alan Taub,cheap christian louboutin, Speaking at a Downing Street reception for on Monday evening,gucci Sunglasses, it's Samantha,polo ralph lauren. the eligibility to child benefit: it is the carer or parent who may be eligible for the child benefit,coach outlet," he added,cheap louis vuitton. routinely used and abortifacients as a form of birth control.  women (and men) will grow casual about taking precautions before they get into bed,christian louboutin sale. This of course is the Act that guarantees the right of the disabled employee to be treated without discrimination (or derision) by boss and colleagues,coach outlet store online; but it is also the Act that allows a young male employee to sue his female boss for calling him "sweetheart" and asking him how his date went last night,gucci shoes. are more "right" than others. markets and personal finance news and analysis from the finance desk - the latest photo galleries and news images from the picture desk - breaking sport news, fashion, as he will become known,Career path afterwards: After being welcomed at the airport by 400, ? or herself. 相关的主题文章： <ul> <li>…Oscar fever is upon us</li> <li>so it is "John Smith</li>  <li>What are you going to do when there isn't enough money for your knee op</li> </ul>

Around 2003
By The opinions expressed are his own. Much of the financial crisis can be blamed on bankers who created complex products that allowed them to exploit and monetize less sophisticated investors, borrowers and bank shareholders. However, no account of the financial crisis is complete without an account of the inept regulators who permitted these activities to flourish, causing the crisis to become much worse than it might have been. Among these regulators, most surprising is the story of the New York Fed, supposedly the most sophisticated in its approach to risk. As I recount in this excerpt from my book, The Devil&#8217;s Derivatives and as staff at the Federal Reserve Board in Washington DC discovered, the New York Fed was in thrall to what in 2007 was the largest US bank – Citigroup – with disastrous results. -Nicholas Dunbar <img class="alignleft size-medium wp-image-11178" style="margin: 10px;" title="DunbarFinalJacket" src="/great-debate/files/2011/11/DunbarFinalJacket-199x300.jpg" alt="" width="199" height="300" /> The Federal Reserve may have been at the top of the U.S. regulatory pecking order, but within the Fed itself, the New York branch was top dog when it came to regulating banks. This was hardly surprising given the dual importance of Wall Street as the engine room of the bond markets and as the base for the largest multinational U.S. banks. It was only natural that industry risk-management innovations like were first identified by staff in the New York Fed’s markets divi- sion, such as Peter Fisher, who transmitted the ideas to the rest of the regulatory community. Ever since the regulatory blessing of VAR in the mid-1990s, the New York–based multinational banks had been growing rapidly. By 2003, when William McDonough retired as New York Fed president and was replaced by Timothy Geithner, an ambitious former Treasury and International Monetary Fund bureaucrat, bank supervision was equally important to markets. If any U.S. commercial bank needed to be challenged, it was Citigroup. In 1999, when then-chief executive Sandy Weill had needed an act of Congress in order to fuse the SEC-regulated Salomon Brothers with Fed- and OCC-regulated blue-chip lender Citibank, he had taken care to reassure his new shareholders and supervisors about the importance of governance. A veteran ex-AIG and Chemical Bank executive, Petros Sabatacakis, was appointed chief risk officer of the new conglomerate and ordered to rein in the freewheeling Salomon traders. Sabatacakis was so tough in applying position limits that on the trading floor he was known as “Dr. No.” Then came Enron and the dot-com bust. Sabatacakis may have ensured that the bank (unlike Chase Manhattan) avoided significant losses in the shakeout, but Citigroup’s conflicted role in bond underwriting, derivatives, and investment research left it open to the charge of having facilitated massive fraud at Enron and WorldCom. That led to the New York Fed and the OCC censuring the bank in July 2003, as part of a settlement in which it didn’t have to admit wrongdoing. Weill was forced to quit as chief executive (while remaining chairman). The incoming CEO, former general counsel Chuck Prince, may have seemed like a steady pair of hands on the wheel, but it was Prince who undermined the risk governance mechanism that Weill had put in place. Prince allowed Tom Maheras, the head of fixed income, to appoint his own risk managers. Feeling that his independence had been compromised, Sabatacakis quit in 2004 and was replaced by a ?Maheras crony, David Bushnell, whose first move was to abolish Sabatacakis’s trading book position limits. Hidden from public view, this weakening of internal risk governance made it ever more essential that Citi, the largest bank in the United States, was supervised properly. It was essential that the bank’s day-to-day supervisors were not intimidated by the conglomerate and Weill, its charismatic chairman. A former senior New York Fed staffer recalls that the OCC seemed particularly cozy with Citigroup: “I remember being in a meeting in Citigroup, and Sandy Weill stopped by,cheap christian louboutin. He gave a big hug and a kiss to this lady examiner from the OCC. . . That didn’t give me the feeling of tough supervision.” <object id="rcomVideo_225915807" width="460" height="259" data="/resources_v2/flash/video_embed.swf?videoId=225915807&rcom=true&amp;edition=BETAUS" type="application/x-shockwave-flash"><param name="movie" value="/resources_v2/flash/video_embed.swf?videoId=225915807&rcom=true&amp;edition=BETAUS" /><param name="allowFullScreen" value="true" /><param name="allowScriptAccess" value="always" /><param name="wmode" value="transparent" /><embed type="application/x-shockwave-flash" width="460" height="259" src="/resources_v2/flash/video_embed.swf?videoId=225915807&rcom=true&amp;edition=BETAUS" wmode="transparent" allowscriptaccess="always" allowfullscreen="true">   The names of two of the New York Fed’s key bank supervisors— head of bank supervision William Rutledge and head of risk management Brian Peters—appeared on the “written agreement” censuring Citigroup over Enron. Another key figure was Sarah Dahlgren, who from around 2003 onwards was the New York Fed’s chief relationship manager dealing with the conglomerate. Rutledge was widely respected but was also a graying career bureaucrat (he retired at the end of 2010) who defended the status quo of balkanized U.S. bank regulation because he believed it was conducive to financial innovation. In conversations, he was careful and precise about defining what was not his responsibility. Today, the New York Fed is shy about allowing Rutledge’s key lieutenants, Peters and Dahlgren, to comment about their experiences (Dahlgren succeeded Rutledge after his retirement),Ralph Lauren Sale. Some idea of the challenges that these three and their staff faced during this time can be discerned from public documents and from the recollections of those who examined their work from the outside. The Federal Reserve System has a governance mechanism intended to reinforce regulatory best practice. The Federal Reserve Board in Washington, D.C., provides centralized resources and sets standards for bank examiners based at the thirteen regional Federal Reserve Banks. In order to apply this governance, the Board has the authority to obtain information about the banks that were supervised within each region. Setting the Fed’s centralized standards for market and liquidity risk supervision was the responsibility of a small D.C.-based team of former regional reserve bank examiners. Federal Reserve Board staff say that amid the smooth and politically attuned bureaucrats who thrive in large government bodies, the market and liquidity risk team stood out. The team had a reputation for talking about issues in a direct fashion and letting the best idea win, regardless of who supported it. They wanted to apply the same style—and integrity—to managing trading book risk across the Federal Reserve System. <object id="rcomVideo_225927420" width="460" height="259" data="/resources_v2/flash/video_embed.swf?videoId=225927420&rcom=true&amp;edition=BETAUS" type="application/x-shockwave-flash"><param name="movie" value="/resources_v2/flash/video_embed.swf?videoId=225927420&rcom=true&amp;edition=BETAUS" /><param name="allowFullScreen" value="true" /><param name="allowScriptAccess" value="always" /><param name="wmode" value="transparent" /><embed type="application/x-shockwave-flash" width="460" height="259" src="/resources_v2/flash/video_embed.swf?videoId=225927420&rcom=true&amp;edition=BETAUS" wmode="transparent" allowscriptaccess="always" allowfullscreen="true">  Around 2003, the market and liquidity risk team began trying to collect the trading P&amp;L and VAR data feeds that some of them had seen at regional Fed offices such as Richmond. “We thought that we would pull things together, look for trends, get ahead of systemic risks, and see where crowded trades are,” a member of the team recalls. The most important data would come out of New York: the daily P&amp;L and VAR data for the biggest trading banks, J.P. Morgan and Citigroup. It was a time when Fed staff recall being beset with distractions: the post–September 11 focus on money-laundering controls, or the vast exercise of preparing for Basel II. For Brian Peters, there was the additional burden of enforcing the post-Enron agreement with Citigroup. For whatever reason, Peters appeared too busy to talk to the market and liquidity risk team members when they approached him asking for daily trading data feeds from the giant New York banks. They returned to Washington, D.C., empty-handed. Although the sources close to the New York Fed insist that the Board had the right to access whatever information it wanted, the market and liquidity risk team remembers things differently. To them, it was as if the New York Fed was on a different planet from its siblings. “It wasn’t that they wouldn’t provide information because we hadn’t asked for it,cheap gucci handbags,” a member of the team says. “They wouldn’t provide information because they weren’t forced to.” Partial access eventually came from a committee on Large Financial Institutions (LFIs) set up in March 2005 in response to complaints from Fed governors that the Board was not getting enough information about regional Fed banking supervision,gucci shoes. As a result, the market and liquidity risk team learned that the New York Fed did not receive electronic daily P&amp;L, VAR, or other relevant trading book information from Citigroup. Instead it received three-month-old reports photocopied from originals provided to the OCC. Was the New York Fed flying blind? Even from the untimely trading reports that the New York Fed did receive, the staffers at the Federal Reserve Board became concerned that the New York Fed seemed to lack the expertise—and, just as crucially, the skepticism—to even ask the large banks the right questions. The team obtained information indicating that one major New York Fed–supervised bank had lost between $60 and $80 million trading in the nascent market for carbon emission credits. Up to the moment of the loss, the VAR loss estimate for this trading book had been approximately $1 million,polo ralph lauren, on the basis that the bank’s long position in emission credits had been rising steadily by small increments for the previous year. Although it was not a substantial or dangerous loss for the bank, this was the type of model methodology weakness that could be indicative of broader problems. Such a weakness could have been picked up by a fulsome trading book or regulatory capital inspection; however, such inspections did not appear to have been undertaken by the New York Fed, despite recommendations from the market and liquidity risk team. Questioned about the need for such inspections, New York Fed bank supervisors complained to their Washington, D.C., counterparts about a lack of resources. One person on the market and liquidity risk team vividly remembers a New York Fed bank examiner shrugging off the emission trading losses, arguing, “Don’t worry about that. We just have to respond to these things when they happen. We can’t get ahead of these problems. We don’t have enough people, and the bankers have a lot of smart people.” In May 2005, some of the concerns being voiced internally by Federal Reserve Board staff found their way into a confidential operations review of the New York Fed that has since been made public by the Financial Crisis Inquiry Commission. Entitled “Draft Close-Out Report, Large Complex Banking Supervision,” the document highlighted Sarah Dahlgren’s direct management responsibility for the New York Fed examiners at Citigroup. The document then warned that “staffing at the relationship teams is under stress. . . as it pertains to the relationship teams’ ability to conduct continuous supervisory activity. This is of particular concern when evaluating the Citi team.” Meanwhile, the market and liquidity risk team and others in the Federal Reserve Board supervision division had grown concerned that as large banks built up their trading businesses and accounting rules gravitated to fair value measurement, bank balance sheets were increasingly subject to short-term market moves that could lead to rapid falls in regulatory capital. A memo produced by the team pointed out the issues and risks involved in increased use of fair value and warned that a sudden freeze in certain markets might imperil bank solvency. But when the market and liquidity risk team tried to interest Dahlgren in their findings, she retorted, “I think our banks know how to manage to fair value,” ending the discussion. In 2006, the market and liquidity risk team attended a Citigroup risk assessment presentation to a committee of Fed examiners. When asked for the rationale supporting the designated satisfactory rating for interest rate risk, the New York Fed team could not provide any information. At another Citi meeting the market and liquidity risk team attended, the New York Fed examiners had been asked to come up with a list of supervisory priorities for the bank. They identified approximately twenty items and patiently explained why each one was important,ugg boots. Near the end, Peters interrupted and told his staff to cut the number of priorities to five or six because twenty was “too many.” The Washington, D.C., team was stunned—twenty was too many things to check regarding the largest and most complex bank in the United States? In the five years that the market and liquidity risk team struggled to improve the New York Fed’s supervision of Citigroup, the conglomerate added almost a trillion dollars to its balance sheet—visibly and “invisibly.” While sources close to the New York Fed might dispute the words and actions that the market and liquidity risk team attributes to its staff, they are curiously silent about its failings as a supervisor— failings that ultimately would hit U.S. taxpayers. One of the sad ironies is that even the twenty priorities for Citigroup that Peters cut to the bone did not include the biggest problem of all: the way Citi was building up a $43 billion super-senior CDO exposure on its trading book. Both the New York Fed and its watchdogs in Washington, D.C., failed to spot a fundamental breach of the thin blue line they created: recording the super-senior CDOs as trading exposure and interrogating the bank’s VAR model. A senior Federal Reserve Board official who is still angry about that screwup says, “They didn’t put them in their VAR,louis vuitton outlet online. And that is a complete violation of all the rules. I mean this is just basic,cheap christian louboutin shoes. You do not need to be a quant to catch this,coach outlet. They were supposed to be mark to market. But the attitude seemed to be, ‘Why bother,coach handbags? They don’t change in value. They’re AAA.’ They didn’t put them in the VAR. You can stress-test your heart out. If it’s not in the VAR, you’re not going to get anything on it.” 相关的主题文章： <ul> <li>but it still doesn't look that bright."</li>  <li>Board Committees</li>   <li>+44 20 7542 7933</li> </ul>

clearly not the case
Boris was asked it. Obama was asked it. My old student union president was asked it. What would you rather fight: a horse-sized duck, or one-hundred duck-sized horses? Thanks to Buzzfeed &#39;s Michael Hastings, we now know that Obama&#39;s team seriously considered the answer. In fact,ralph lauren outlet, it was only because they didn&#39,louis vuitton handbags;t spot the question in time ?during the president&#39;s Q&amp;A on Reddit? that he wasn&#39;t given the chance to respond in public. : "&ldquo;Ducks are not exactly teeny-tiny&mdash;so 100 duck-sized horses (as opposed to duckling-sized horses), while smaller than a miniature pony, are still probably clocking in somewhere around ten pounds each,&rdquo; one Obama official argued,ralph lauren outlet online. &ldquo;That&rsquo;s a lot to kick/throw/battle.&rdquo;""Who would choose to fight a duck the size of a horse? The beak. The wingspan. The ability to defend and attack in the air, on land,gucci Sunglasses, and in the water. &ldquo;Also, lacking a weapon of some kind, how exactly do you defeat it? Wrestling it to the ground seems unlikely. Can you break its legs? Snap a wing?&rdquo; the official continued,cheap christian louboutin. &ldquo;Yet, it&rsquo;s just one opponent&mdash;you can focus all your energy, attention, and strength on outsmarting it. Maybe it tires easily. Hard to know.&rdquo;" Now, I like the unnamed official&#39;s moxie. Overthinking this sort of thing is exactly the right response. But they haven&#39,cheap gucci handbags;t overthought it enough. The first thing that anyone taking this question seriously ? which is obviously everyone ? needs to consider is a key point of GCSE biology. As the height of something increases, the volume of it goes up by, roughly, the cube of the increase. So a 1cm high mouse may have a volume of 1cm3, but increase that height to 100cm and the volume will rise to 1000000cm3. Similarly, the surface area of an animal increases at the square of the height. Height, surface area, and volume all interplay in rather important, and finely tuned, ways. For example: breathing works by gases diffusing across the surface area of your lungs. But as an animal gets bigger, the amount of tissue which needs oxygen for respiration increases in proportion with the volume. So if you increase the size of an animal by ten times, but don&#39;t fundamentally change its shape, it could suffocate. That works even for animals which don&#39;t breathe. Insects are small enough that there is enough surface area for gaseous exchange just on their exoskeleton, so they don&#39;t need lungs. But blow an insect up to the size of, say, Mothra: <img alt="" src="/sites/default/files/images/Mothra%20Godzilla.JPG" style="width: 510px; height: 363px;" />  And it suffocates. Godzilla would suffocate too, of course. Godzilla vs Mothra: The Scientifically Accurate Cut is a very short film. Same with flight. Wing power increases with the surface area of wings, but weight increases with the volume of the animal. That&#39;s why an albatross has wings multiple times longer than its body, while a bumblebee can fly with those tiny lacy things (bumblebees flying at all is a whole &#39;nother topic, of course. Scientists never really said they couldn&#39;t, they just said that a bumblebee with rigid wings couldn&#39;t. Luckily for bumblebees they don&#39;t have rigid wings). Back to horses and ducks. Scale a duck up to the size of a horse and it would not be able to fly. In fact, it would probably not even be able to walk. Depending on the breed of duck and the size of horse, it might not even be able to breathe. There&#39;s also the problem that the hollow bones of a duck, which make it light enough to be able to take off, don&#39;t scale very well. Without a significant change in structure, they would get weaker as they grew thicker, rendering them even less capable of supporting the increased weight of the animal. At the opposite side, the horse-sized ducks, faced with a massively increased surface area, would have great trouble staying warm. Their body, adapted for a size at which a far greater proportion of their weight was contained a good distance from their surface, does not have to conserve heat in the same way as a smaller animal. Their metabolism would not be able to cope, and, after a short period of incredible hunger, they would die. At this stage, though, it&#39;s looking like advantage to the duck-sized horses. Their death, while as inevitable as the horse-sized duck&#39;s, might be able to be postponed by long enough to do some damage to the president. To defeat the duck, all he&#39;d have to do is make sure it didn&#39;t fall on him. But there&#39;s more. &quot;Duck&quot; and &quot;horse&quot; are not scientific terms. All ducks are of the family Anatidae, which also includes swans and geese. Irritatingly, there is not a specific taxon for ducks and ducks alone; they are intermingled with other members of their family, and for the most part we must look at common names. &quot;Horse&quot; is a common name, not only for the species Equus ferus ? the domesticated horse ? but also for the family Equidae,christian louboutin sale, which also includes donkeys and zebras. Why does this matter? Well, there aren&#39;t too many Equidae left knocking around the place anymore. Three types of wild ass, three types of zebra, and wild horses. But there used to be a lot more. Including this little guy: <img alt="" src="/sites/default/files/images/tiny-duck.JPG" style="width: 510px; height: 340px;" />  (It had more skin at the time.)  Mesohippus, a genus of Equidae, lived less than 40 million years ago, and was around 60cm tall. That&#39;s significantly closer to the size of ducks, no matter which ones we pick, and suggests that, while it would still have some major physiological issues from being shrunk down, there&#39;d be a relatively healthy survival rate of duck sized horses. Conversely, even if we cheat and assume that &quot;duck&quot; refers to all Anatidae ,louis vuitton outlet online? clearly not the case ? the biggest there is is the American trumpeter swan,ralph lauren outlet online. Now, swans are some scary bloody Anatidae. But they are still significantly smaller than horses. And even the biggest ducks are smaller than swans. And all of the problems with being scaled up would still apply to them: they would be unable to fly, would be lucky to walk, and might just suffocate to death immediately. A hundred &quot;duck-sized horses&quot; (a Mesohippus shrunk down to stand 30cm high) would, then,polo ralph lauren outlet, have a significant advantage over a &quot;horse-sized duck&quot; (a Trumpeter swan inflated to around 1.5m). If president Obama needs me, the CIA (I assume) have my number. 相关的主题文章： <ul> <li>It is crucial that they also speak with independent civil society</li> <li>the commission’s civil action</li> <li>concerns and challenges.</li> </ul>

In its current dysfunctional state
<p style="text-align: center;"> The new Congress next year will likely inherit high-stakes standoffs over many complicated issues,louboutin shoes, from financial credibility to immigration. Our elected leaders must be able to make difficult trade-offs and craft policies that reflect the best expert knowledge,cheap gucci handbags. In its current dysfunctional state, however, Congress cannot have nuanced deliberations or make knowledgeable judgments. One big reason is that it no longer has the capacity to produce unbiased public-interest information. In the mid-1990s the mechanisms that produced the information and statistics that Congress had relied on to produce bills were virtually disassembled,ugg boots. Under House Speaker Newt Gingrich, many support panels that supplied information and analysis to Congress members were disbanded or curtailed,polo ralph lauren. As many government agencies have done,cheap louis vuitton, Congress outsourced the job to private contractors – in this case,cheap christian louboutin shoes, to independent think tanks and policy organizations,Cheap Ugg Boots, which are often ideologically driven. So it is now all too common that the two parties have not only their own opinions but their own facts,gucci outlet. The good news is that some of this congressional dysfunction can be fixed,ralph lauren outlet. Congress can use technology to rebuild its capacity to manage information on the public’s behalf,polo ralph lauren. 相关的主题文章： <ul> <li>or a Greek exit. In Egypt</li> <li>In the case of Canada</li> <li>By Alex Lee</li> </ul>

Meanwhile
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So says Samuel A. Culbert
It is time to kill the annual performance review,Ralph Lauren Sale, for decades a feature of corporate life around the globe, dreaded both by those who do the reviewing and those who are reviewed,polo ralph lauren outlet. It is a corporate sham and one of the most insidious,gucci shoes, most damaging and yet most prevalent of corporate activities,cheap louis vuitton. It is a pretentious,ugg boots, bogus practice that produces nothing that could be called a corporate plus. It is universally despised yet few people do anything to kill it,louis vuitton handbags. So says Samuel A. Culbert,cheap christian louboutin, a consultant and professor of management at the University of California,coach outlet online, Los Angeles (UCLA) in a just-published book entitled, Get Rid of the Performance Review! The book grew from a 2008 article in the Wall Street Journal which, Culbert says,ugg boots sale, prompted a thousand letters to the editor and a flood of online comments,christian louboutin sneakers, mostly in favour of his argument. It is not new, but presented in particularly blunt language. A decade ago, a book by Tom Coens and Mary Jenkins entitled Abolishing Performance Appraisals made similar arguments, based on a study of 26 companies where morale, effectiveness and profitability had improved after they abolished appraisals. Doubts about the process emerged as far back as 1957, with an article in the Harvard Business Review by Douglas McGregor, a management professor at the Massachusetts Institute of Technology, who suggested replacing the conventional boss-subordinate meeting with an approach allowing the employee to set personal short-term goals and evaluating himself. 相关的主题文章： <ul> <li>half sheepdog</li> <li>which represents Telstra Bigpond</li> <li>The potential bid by the consortium</li> </ul>