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Routing numbers are the nine digit numbers also know as an ABA number that is found on the bottom of check next to you account number. This identifies the bank and the region where the checks are cleared. If the routing number is valid, this does not mean the check is valid.

Intervest National Bank is owned by the financial holding company Intervest Bancshares Corporation.? Intervest Bancshares primarily engages in banking and real estate lending businesses.? Along with Intervest National Bank, Intervest Bancshares Corporation also owns Intervest Mortgage Corporation, a mortgage investment Company.? The company was founded in 1993.? The bank headquarters are located at One Rockefeller

Economy slows, European financial markets running scared over debt overhang and the US Treasury rating gets downgraded.? The end of the result of the financial turmoil is bank rates turning south including CD interest rates, mortgage rates, and Treasury rates.? Overall, bank interest rates moved measurably lower over the week.? Futures markets this morning are indicating

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A loan made by a lender to a borrower for the financing of real property.

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For the week ending January 23, 2009 the best one year CD rates in are hovering right around a 3.00% with a few banks offering CD rates above 3.00%.? The battle for the top one year CD rate has been fierce with lead changes happening multiple times during the week.? Flagstar Bank headquartered in Troy, Michigan

Changes in bank rates on both lending and savings side were very limited in the shortened week that ended November 11, 2011.? Treasury rates also showed very little activity for the week with most maturities have current yields that stayed within two basis points or 2/100?s of a percent from the prior week?s closing yield.? The

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Interest rates were one of the top subjects of discussion in the investment community for the week.? Two weeks earlier, May 11 through May 15, long term Treasuries began to rise as a flood of Treasuries via new auctions were beginning to hit the market.? The week that ended May 22 saw the mid term,

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J.C. Penney says President Francis is leaving

J.C. Penney Co. says Michael Francis, the former Target Corp. executive brought in to redefine the brand, is leaving the company.

The department store operator gave no reason for his immediate departure.

J.C. Penney hired Francis in October as president to redefine the Plano, Texas, company's brand and boost its sagging sales.

Francis was responsible for merchandising, marketing and product development.

J.C. Penney has hired a number of big-name executives to help transform everything about the retailer. The riskiest move was the elimination of hundreds of sales events in favor of more predictable low prices, but shoppers have not embraced the change.

Shares of J.C. Penney fell nearly 6 percent in after-hours trading Monday on the news.

Associated Press

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St. Kate's MLIS Program: The Minnesota Learning Commons (MnLC),

The Minnesota Learning Commons (MnLC), http://mnlearningcommons.org/, is planning a site redesign and is seeking input.

Libraries and library staff support online learners and provide online learning opportunities for learners of all ages. If you provide support for online learning, offer reference services, or are just interested in the work of the MnLC, I hope you will review the MnLC site and complete the survey by June 22.

Survey: http://www.zoomerang.com/Survey/WEB22FSJGRPNKT

?The MnLC was created to provide centralized access to effective and efficient online learning for Minnesotans.? It is a web portal to online, education-related resources for targeted audiences and to educational opportunities, tools and services in public P-20 education.? ? About Us
Adult basic education, continuing education, English, and lifelong learners are impacted by online learning and may be considered part of ?public education?, when publicly funded.
If time is short, complete the questions that are most important to you.

#1-2 Features
#3-6 Audiences/Labeling
#7??? Content to Include/Exclude [open-ended]
#8-9 Social Media Input
#10? What content would your constituents find most interesting? / Other Suggestions [open-ended]

MnLC partners are Minnesota State Colleges and Universities, University of Minnesota, and Minnesota Department of Education and public K-12 schools.

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Scientists dispel myths, provide new insight into human impact on pre-Columbian Amazon River Basin

Scientists dispel myths, provide new insight into human impact on pre-Columbian Amazon River Basin

Friday, June 15, 2012

A paper published this week in Scienceprovides the most nuanced view to date of the small, shifting human populations in much of the Amazon before the arrival of Europeans. The research, which includes the first landscape-scale sampling of central and western Amazonia, finds that early inhabitants were concentrated near rivers and lakes but actually had little long-term impact on the outlying forests, as if they merely tiptoed around the land far from natural sources of water. In doing so, the new study overturns the currently popular idea that the Amazon was a cultural parkland in pre-Columbian times.

The Amazon Basin is one of Earth's areas of highest biodiversity. Therefore, understanding how Amazonia was modified by humans in the past is important for conservation and understanding the ecological processes of tropical rainforests.

Researchers, at Florida Institute of Technology, the Smithsonian Institution, Wake Forest University and the University of Florida looked at how widespread human impacts were in Amazonia before the Europeans arrived. If the Pre-Columbian Amazon was a highly altered landscape, then most of the Amazon's current biodiversity could have come from human effects.

The research team, led by Florida Tech's Crystal McMichael and Mark Bush, retrieved 247 soil cores from 55 locations throughout the central and western Amazon, sampling sites that were likely disturbed by humans, like river banks and areas known from archeological evidence to have been occupied by people. They also collected cores farther away from rivers, where human impacts were unknown and used markers in the cores to track the histories of fire, vegetation and human alterations of the soil. The eastern Amazon has already been studied in detail.

McMichael, Bush, and their colleagues conclude that people in the central and western Amazon generally lived in small groups, with larger populations on some rivers.

"There is strong evidence of large settlements in eastern Amazonia, but our data point to different cultural adaptations in the central and western Amazon, which left vast areas with very little human imprint," said Bush.

They did not live in large settlements throughout the basin as was previously thought. Even sites of supposedly large settlements did not show evidence of high population densities and large-scale agriculture. All the signs point to smaller, mobile populations before Europeans arrived. The impacts of these small populations were largely limited to river banks.

"The amazing biodiversity of the Amazon is not a byproduct of past human disturbance," said McMichael. "We also can't assume that these forests will be resilient to disturbance, because many have never been disturbed, or have only been lightly disturbed in the past."

Certainly there is no parallel in western Amazonia for the scale of modern disturbance that accompanies industrial agriculture, road construction, and the synergies of those disturbances with climate change."

###

Florida Institute of Technology: http://www.fit.edu

Thanks to Florida Institute of Technology for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Knowledge of fractions and long division predicts long-term math success

ScienceDaily (June 15, 2012) ? From factory workers to Wall Street bankers, a reasonable proficiency in math is a crucial requirement for most well-paying jobs in a modern economy. Yet, over the past 30 years, mathematics achievement of U.S. high school students has remained stagnant -- and significantly behind many other countries, including China, Japan, Finland, the Netherlands and Canada.

A research team led by Carnegie Mellon University's Robert Siegler has identified a major source of the gap -- U. S. students' inadequate knowledge of fractions and division. Although fractions and division are taught in elementary school, even many college students have poor knowledge of them. The research team found that fifth graders' understanding of fractions and division predicted high school students' knowledge of algebra and overall math achievement, even after statistically controlling for parents' education and income and for the children's own age, gender, I.Q., reading comprehension, working memory, and knowledge of whole number addition, subtraction and multiplication. Published in Psychological Science, the findings demonstrate an immediate need to improve teaching and learning of fractions and division.

"We suspected that early knowledge in these areas was absolutely crucial to later learning of more advanced mathematics, but did not have any evidence until now," said Siegler, the Teresa Heinz Professor of Cognitive Psychology at Carnegie Mellon. "The clear message is that we need to improve instruction in long division and fractions, which will require helping teachers to gain a deeper understanding of the concepts that underlie these mathematical operations. At present, many teachers lack this understanding. Because mastery of fractions, ratios and proportions is necessary in a high percentage of contemporary occupations, we need to start making these improvements now."

The research, supported by grants from the U.S. Department of Education's Institute of Education Sciences and by the National Science Foundation's Developmental and Learning Science Group at the Social, Behavioral, and Economic Directorate, was conducted by a team of eight investigators: Siegler; U.C. Irvine's Greg J. Duncan; the University of Michigan's Pamela E. Davis-Kean, Maria Ines Susperreguy and Meichu Chen; the University of London's Kathryn Duckworth; the University of Chicago's Amy Claessens; and Vanderbilt University's Mimi Engel.

For the study, the team examined two nationally representative data sets, one from the U.S. and one from the United Kingdom. The U.S. set included 599 children who were tested in 1997 as 10-12 year-olds and again in 2002 as 15-17-year-olds. The set from the U.K. included 3,677 children who were tested in 1980 as 10-year-olds and in 1986 as 16-year-olds. The importance of fractions and division for long-term mathematics learning was evident in both data sets, despite the data being collected in two different countries almost 20 years apart.

"This research is a good demonstration of what collaborations between psychologists, economists, public policy analysts and education scientists can create," said Davis-Kean, associate professor of psychology at Michigan. "Instead of relying on results from a single study, this study replicates findings across two national data sets in two different countries, which strengthens our confidence in the results."

Rob Ochsendorf, program officer for special education research at the U.S. Department of Education's Institute of Education Sciences added, "This study is critical for providing empirical and general confirmation of the crucial role of division and fractions proficiency for long-term success in mathematics for all students. The results provide important cues to educators and researchers regarding the skills that are ripe for intervention in order to improve overall mathematics achievement in the U.S."

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Story Source:

The above story is reprinted from materials provided by Carnegie Mellon University.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. R. S. Siegler, G. J. Duncan, P. E. Davis-Kean, K. Duckworth, A. Claessens, M. Engel, M. I. Susperreguy, M. Chen. Early Predictors of High School Mathematics Achievement. Psychological Science, 2012; DOI: 10.1177/0956797612440101

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

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Shelling kills 18 in cradle of Syrian uprising

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'Remarkable' Australian economy steams ahead

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Classroom Clashes Over Science Education

Realistically, you can't. Science is hard and learning about it doesn't pay off in the obvious or self-gratuitous ways that matter to most people. So, the motivation will always be low, lower still if you have to work a job that does not require you to know any science, as most jobs today are.

It is a lost fight, especially in a world in which the future looks increasingly likely to be much bleaker than the past, for everybody.

Actually no, science is easy, we start using it long before we learn to talk as we build up a mental model of the rules governing our universe. Several studies have shown that infants and children attempting to understand a new phenomena generally experiment in a fashion very near the statistically optimal pattern for exploring a new problem-space, it's only later in life that we start expecting things to behave in neat, well behaved patterns and get stymied by counter-intuitive behaviors.

The problem is science classes generally make no attempt to teach science, just scientific knowledge, and much of that *is* complicated. And without an understanding of science itself, the knowledge is just so much trivia that you're being asked to take on faith. Teach real science, do experiments where the answer *isn't* completely known beforehand, and ideally where the answer actually matters, or at least is interesting, and you can start getting students to appreciate that unlike almost every other subject (except math) science is a living, breathing, cutthroat combative subject where theories don't get widespread acceptance without considerable evidence. Once they *really* understand the rules of the game then it becomes clear that science, while still flawed, is far more authoritative than any other field on the planet.

Heck, ideally I'd say hold a class-wide experiment once a month or so to figure something out - students work in small "research groups" attacking the problem from different angles, but by the end of the "research window" (days?, weeks?) everyone needs to reach a consensus on what the "real" answer is, with some sort of prize (pizza party? movie break?) if they're correct within a certain margin of error so that they actually care. Then, once everyone has agreed, bring in a professional who can provide a conclusive answer in an understandable manner to verify the results. Not only would that provide a taste of real science, but it would also provide a periodic reminder of the fact that in the face of an implacable universe the best speakers and most inspiring/popular/attractive students generally aren't the ones you want to be listening to if you want to get it right.

Because, at the end of the day, all you really care about in most pre-university science classes is
(A) giving everyone a general background knowledge of how the world works (they'll soon forget most the details anyway, so the big picture is the important part)
(B) inspiring those so inclined to pursue careers in research or technology (and nothing like an occasional project were you're one of the respected "inner circle" to inspire a lonely nerd)
(C) instill a certain level of respect for scientists in the form of an understanding that, unlike in virtually all other fields of life, when it comes to questions of how the world works within their area of expertise, their opinion really is worth a heck of a lot more than yours.

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Feds to rule on cancer aid for WTC dust exposure

FILE - In this Sept. 11, 2001 file photo, a man wipes ash from his face after terrorists flew two airplanes into the World Trade Center towers, causing them to collapse. A federal health official is expected to announce in early June, 2012, whether people with cancer will be covered by an aid program for New Yorkers sickened by World Trade Center dust. An advisory committee recommended in March that the government open up the $4.3 billion program to people who developed cancers after being exposed to the toxic soot that fell on Manhattan when the towers collapsed. (AP Photo/Amy Sancetta, File)

FILE - In this Sept. 11, 2001 file photo, a man wipes ash from his face after terrorists flew two airplanes into the World Trade Center towers, causing them to collapse. A federal health official is expected to announce in early June, 2012, whether people with cancer will be covered by an aid program for New Yorkers sickened by World Trade Center dust. An advisory committee recommended in March that the government open up the $4.3 billion program to people who developed cancers after being exposed to the toxic soot that fell on Manhattan when the towers collapsed. (AP Photo/Amy Sancetta, File)

FILE - In this Oct. 11, 2001 file photo, firefighters make their way over the ruins of the World Trade Center through clouds of smoke at ground zero in New York. A federal health official is expected to announce in early June, 2012, whether people with cancer will be covered by an aid program for New Yorkers sickened by World Trade Center dust. An advisory committee recommended in March that the government open up the $4.3 billion program to people who developed cancers after being exposed to the toxic soot that fell on Manhattan when the towers collapsed. (AP Photo/Stan Honda, Pool)

FILE - In this Sept. 11, 2001 file photo, a shell of what was once part of the facade of one of the twin towers of New York's World Trade Center rises above the rubble that remains after both towers were destroyed in the terrorist attacks. A federal health official is expected to announce in early June, 2012, whether people with cancer will be covered by an aid program for New Yorkers sickened by World Trade Center dust. An advisory committee recommended in March that the government open up the $4.3 billion program to people who developed cancers after being exposed to the toxic soot that fell on Manhattan when the towers collapsed. (AP Photo/Shawn Baldwin, File)

FILE - In this Sept. 20, 2011 file photo, Touze Martes stirs up dust and ash as he sweeps near the site of the World Trade Center wreckage in New York. A federal health official is expected to announce in early June, 2012, whether people with cancer will be covered by an aid program for New Yorkers sickened by World Trade Center dust. An advisory committee recommended in March that the government open up the $4.3 billion program to people who developed cancers after being exposed to the toxic soot that fell on Manhattan when the towers collapsed. (AP Photo/Ted S. Warren, File)

(AP) ? A federal health official is expected to decide within days whether to expand an aid program for anyone sickened by World Trade Center dust to cover cancer, a move that would be cheered by many former ground zero workers, but could also prove costly and come at the expense of people with ailments more conclusively linked to 9/11's toxic fallout.

An advisory committee recommended in March that the government open up the $4.3 billion program to people with cancers in 14 different broad categories, including nearly all of the most common forms of the disease.

To date, there is little hard evidence of unusual cancer rates among people exposed to the soot that fell on lower Manhattan after the attacks. But the panel, made up of occupational health specialists, toxicologists, union officials and health advocates, said there were enough carcinogens present at the site to create a plausible risk.

National Institute for Occupational Safety and Health director Dr. John Howard is scheduled to make a determination by Saturday, though his decision might not be announced until Monday.

Adding cancer to the list of covered conditions would make hundreds, or even thousands, of residents and rescue and recovery workers eligible for government-financed medical treatments and sizeable payments for lost wages and diminished quality of life.

But it might also put a severe financial strain on the program.

If Howard accepts the panel's recommendations in their entirety, there would likely be a surge of costly claims in a system now primarily helping people with conditions that aren't life-threatening, like asthma, chronic sinus irritation, sleep apnea or acid reflux disease.

The total number of people exposed to the dust is unknown, but 60,000 people have already enrolled in 9/11 health programs for people who lived or worked within the disaster zone, which covers most of Manhattan south of Canal Street.

Congress capped funding for the program at $1.55 billion for treatment, and $2.78 billion for compensation payments.

The special master overseeing applications for compensation, Sheila Birnbaum, said that unless Congress increases those amounts, she may have to prorate payments based on the number of people who apply and the severity of their illness.

"The addition of cancers, of course, complicates the issue," she said. Compensation awards for people with cancer ? especially fatal cases ? are likely to be significantly larger than claims being submitted now for other illnesses, she said. Any prorating based on a funding shortage would mean less money for people with other types of health problems.

That prospect has alarmed some advocates for the workers like Noah Kushlefsky, an attorney with the firm Kreindler & Kreindler, who represents about 3,800 people who intend to file claims.

"The budget should have no bearing on whether these people get help," he said. "Either we believe that illnesses were caused by the toxins that were down there ? in which case, people should be cared for ? or we don't."

It is unclear whether program administrators would make any attempt to distinguish between people who got cancer because of exposure to World Trade Center ash, and others who got it through smoking, sun exposure, bad genes or some other reason. Generally, it is very difficult, if not impossible, to determine why a person got cancer.

Under the committee's recommendation, almost all of the most common types of the disease would be added, including leukemia, non-Non-Hodgkin's lymphoma, melanoma and cancers of the breast, lung, colon, kidneys, bladder and thyroid.

Combined, those illnesses strike nearly 1 million Americans each year, killing about 333,000, according to federal health statistics. The panel also recommended adding non-melanoma skin cancer, which afflicts another 2 million Americans annually.

Those statistics assure that, even if it turns out that trade center dust has little or no impact on a person's risk of getting cancer, thousands of exposed people will get some form of the disease anyway as they age.

Elizabeth Ward, the head of intramural research at the American Cancer Society, and the chairwoman of the advisory panel, said it didn't consider cost concerns, or the fairness of the compensation system, when making its recommendation.

"Many of these people were working in conditions that, in a normal workplace, people would walk out," she said of the army of men and women who cleared ground zero of a mountain of rubble while breathing in particles that blackened their spit, irritated their eyes and throats, and made every breath uncomfortable.

"I think there is a very serious concern that these exposures were unique," she said.

Howard has already reviewed the issue once before. Last year, he decided not to include cancer patients in the program, saying science had yet to show a link between trade center dust and any type of the disease.

This year, he could again defer a decision while more scientific research is conducted, or add some types of cancer to the coverage list, but exclude others. He also has the power to set up rules governing which cancer patients might be eligible, based on factors that might include the severity of their exposure to the dust.

Associated Press

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