Managing Finance Part-3 | MBA Term Papers

In the traditional way of budgeting, managers are paid on the basis of ?pay for performance?. As per this process, the employees are paid a fixed amount of salary as soon they reach a certain percentage of the target (like 80 to 85 percent); if they manage to cross the budgeted target they receives bonus for their performance and the more they move above the target, the more they receive incentive. So it can be clearly concluded that employees? incentive are directly related to budgets and targets. The lower the target, the more they will be benefited (Lagace, 2003). For example if the manager finds that their incentive is related to the profit earned by the company, then they will try to boost the revenue by realising future sales at present and postponing expenses to future, without paying attention to what will be the impact of such action in company. In big companies, management set budget at the beginning of their financial year with an aim to create a harmonious coordination between other business units, a healthy flow of information, lower expanses and highly satisfied customers. But as soon as the budget comes into action, the business unit?s managers start hiding vital information. Such distorted information often leads to wrong decision making (Jensen, 2001). Many a time the top level management gets involve in such fraud cases and they disperse wrong information to the customers and shareholders. One such example of fraud case in past was seen in Lernout & Hauspie, a software firm in the year 2001 (The New York Time, 2007).
The misguiding information not only hampers the company, but the damage spreads and affects the national economy. For example at the time of economic boom, misguiding information revealed by company leads to wrong prediction of the financial analysts regarding future growth of the company. They gives an over statement of company?s earning and profitability, and the top management ends up taking wrong decisions. But as soon as the economic slowdown starts, sales falls below expected levels, inventories gets accumulated, and as a result the management?s incentive and bonus moves down. All these create an environment of de-motivation and depression that negatively affects company?s image (Jensen, 2001).
Though budgets are common in almost all the organisations, but it has to be accepted that almost all the employees hate the term ?budget?. Employees believe that budgets are designed in such a manner that the employees can never reach them and thus management can make them work more (Media Willy, 2003).

Suitability of budgeting in the 21st century
There are many factors which lead to faulty budgeting process like ?Faulty Arithmetic in the Budget Figures, Errors in the Arithmetic of the Actual Results, Reality is Wrong and Differences between Budget Assumptions and Actual Outcome? (Financial Management Development, n.d.). As per the report published by Centre for Sustainability Management, many organisations (like network organisations) have accepted the fact that budgets no longer serve the purpose in their organisations (Centre for Sustainability Management, 2001). In a survey conducted by KPMG in UK, it was found that 37 percent of the companies provided a monthly update of their 12 months? forecast, 50 percent of the companies are planning to start updating their annual budget on a monthly basis and around two-third of the companies have adopted rolling budget for forecasting. But as per KPMG, a good forecasting can be only achieved if the company has a good performance management and reporting system (KPMG, 2009). It has been found that company puts a lot of time and effort to set their annual budget, but as soon as they are bought into action, the market condition changes and the budgets lose their importance. So keep the budget updated it has to be revised on monthly basis. Again such regular updating needs further managerial time which makes it more costly. Many experts suggest that budget can be only successful its results are achievable and measureable. Management should undertake stress testing and scenario analysis to find out economic risk and prevailing opportunities.
Conclusion
The concept of budget and budgeting has evidence regarding its origin in bible. Budget was first introduced in industrial organisations in 1920?s. With passage of time it developed as an integrated financial tool (Akintoye, 2008). The budget and budgeting technique has undergone constant change to fit the changing market condition. But in the present competitive world where market situations and the corporate strategies are changing at fast rate, budgets are losing their importance. Many a time the top management find themselves helpless (Diamond, 2006, p. 94-95).
The underling truth behind budget is whatever precaution does the management adopt, there will always be a gap between the actual and perception. While setting the budget for the future, management have to undertake historical data into consideration, but in the fast changing globalised world, no one can predict what will happen in near future. So the management have to decide where they should go for budget preparation or not. Before taking any vital decision, the company have to rethink what role does budget play in proper functioning of their organisation and then only they should decide that where they should quit the budget or they should stick to it. They should plan what changes be introduced in the budgeting technique that to make the process more reliable. So the question remains open that where budgets are suitable in 21 century or not.
Reference

Akintoye, R. I. 2008. Literature Review and Theoretical Framework. Budget and Budgetary Control for Improved Performance: A Consideration for Selected Food and Beverages Companies in Nigeria. [pdf]. Available at: http://www.eurojournals.com/ejefas_12_01.pdf [Accessed on November 03, 2009].

Center for Sustainability Management. 2001. Abstract. Suitability Of Budgeting In The 21st Century. [pdf]. Available at: http://www.leuphana.de/csm/content/nama/downloads/download_publikationen/05-4downloadversion.pdf [Accessed on November 03, 2009].

Colorado. No date. The Budget Cycle. Chapter 8 ? Budget Theory. [Online]. Available at: http://abs.colorado.edu/ABS_WEB/nonhtm/guide/ch08.doc [Accessed on November 03, 2009].

Co, R. January 7, 2006. Why Do I Need a Budget. Press Release. [Online]. Available at: http://express-press-release.net/21/Why%20Do%20I%20Need%20a%20Budget.php [Accessed on November 02, 2009].

Diamond, J. 2006. Budget system reform in emerging economies: the challenges and the reform agenda. International Monetary Fund.

Economy Watch. No date. Types of Budget. [Online]. Available at: http://www.economywatch.com/budget/types/ [Accessed on November 03, 2009].

Elizondo, A., Moraga, M., Watroba, S., Akchin, J. & Werosh, L. No date. Cash Flow Budget. Budget Formats. [pdf]. Available at: http://userwww.sfsu.edu/~aelizond/documents/Budget_Formats_presentation.pdf [Accessed on November 03, 2009].

Financial Management Development. No date. Budgetary Control And Variance Analysis. Management Reporting, Budgetary Control NO 213. [pdf]. Available at: http://www.financialmanagementdevelopment.com/Slides/handouts/213.pdf [Accessed on November 03, 2009].

Gilmour, B. J & Lewis, E. D. September/October 2006. Does Performance Budgeting Work? An Examination of the Office of Management and Budget?s PART Scores. Spotlight on Public Finance. [pdf]. Available at:
Gilmour
[Accessed on November 03, 2009].

Institute of Chartered Accountants. No date. Budgeting and Business Planning. Practical Advice for Business. Business Link. [Online]. Available at: http://www.businesslink.gov.uk/bdotg/action/detail?type=RESOURCES&itemId=1074417241 [Accessed on November 02, 2009].

Investopedia. 2009. Budgeting Basics ? Introduction. [Online]. Available at: http://www.investopedia.com/university/budgeting/default.asp [Accessed on November 02, 2009].

Jensen, C. M. November 26, 2001. Why Corporate Budgeting Needs To Be Fixed. [Online]. Available at: http://hbswk.hbs.edu/item/2647.html [Accessed on November 03, 2009].

Journal of Accountancy. December 2001. Budget on a Roll. Harvard Business School. [Online]. Available at: http://www.journalofaccountancy.com/Issues/2001/Dec/BudgetsOnARoll.htm [Accessed on November 03, 2009].

Kirch, W. M. 2005. Abstract. Program BUDGETing: Six Keys to Success. Cy-Fair College. [pdf]. Available at: http://cas.bethel.edu/dept/comm/nfa/journal/vol23no1-12.pdf [Accessed on November 03, 2009].

KMPG. May 2009. Improved forecasting within the valuations process. [Online]. Available at: http://kpmg.com/Global/IssuesAndInsights/ArticlesAndPublications/Pages/Improved-forecasting-within-valuations-process.aspx [Accessed on November 03, 2009].

Lagace, M. April 14, 2003. Pay-for-Performance Doesn?t Always Pay Off. Working Knowledge. Harvard Business school. [Online]. Available at: http://hbswk.hbs.edu/item/3424.html [Accessed on November 03, 2009].

Lin, T. W. 1979. A Description Of Zero-Base Budgeting. Zero-Base Budgeting: An Analysis. Rutgers Accounting Web. [pdf]. Available at:[Accessed on November 03, 2009].

Media Willy. September 23, 2003. Chapter: 1, Budgets Are Like Diets_Everyone Cheats. [pdf]. Available at: http://media.wiley.com/product_data/excerpt/87/04714765/0471476587.pdf [Accessed on November 03, 2009].

National Center For Educational Statistics. 2009. Budgetary Approaches. Chapter 3: Budgeting. [Online]. Available at: http://nces.ed.gov/pubs2004/h2r2/ch_3.asp#top [Accessed on November 03, 2009].

National Food Service Management Institute. No date. Methods Used in Budgeting. Section 5: Budgeting. [pdf]. Available at: http://www.olemiss.edu/depts/nfsmi/Information/fmis/section_5.pdf [Accessed on November 03, 2009].

NetTOM. No date. Session 13: Cash Budget. Chapter: 7: Preparation of Forecast Financial Statements. [Online]. Available at: http://cbdd.wsu.edu/kewlcontent/cdoutput/TOM505/page22.htm [Accessed on November 03, 2009].

Purkey, C. 2009. What is a Budget?. Planning and Budgeting: What?s Your Strategy?. WACUBO Business Management Institute 2009. [ppt]. Available at: http://www.wacubo.org/bmi/Purkey_PowerPointPresentation-BW.ppt [Accessed on November 02, 2009].

The New York Time. May 20, 2007. Fraud trial begins against Lernout & Hauspie software firm. Business. [Online]. Available at: http://www.nytimes.com/2007/05/20/business/worldbusiness/20iht-lernoutb.4.5793790.html [Accessed on November 03, 2009].

Bibliography

Bentz , F. W. No date. Flexible Budgeting. [pdf]. Available at: http://fisher.osu.edu/~bentz_1/525/notes/Flexible.doc

Computron. No date. Budget Cycle Management: For improved budgetary control. [Online]. Available at: http://www.computronsoftware.com/pdf/budget_cycle_management.pdf

Evangelical Council for Financial Accountability. No date. Zero-Based Budgeting. Available at: http://www.ecfa.org/TopicDisplay.aspx?PageName=TopicZero-BasedBudget

Hofstede, H. G. 2003. The Game of Budget Control. Routledge.

Lerche , I & Paleologos, E.No date. Limiting Risk In Environmental Problems: Corporate Budget Constraints And Minimum Involvement. [pdf]. Available at: http://users.ipfw.edu/ISIORHO/G300Limiting%20Risk.pdf

Northern Arizona University. No date. Chapter 11 Program Budgeting and Resource Attainment. [Online]. Available at: http://www.prm.nau.edu/PRM275/program_promo_&_budget%20lesson.htm

Pasewark, R. W. No date. Budgeting. [pdf]. Available at: http://pasewark.ba.ttu.edu/ACCT%205301/M06%20Operational%20Budgeting.doc

Sun, J. & Lynch, D. T. 2008. Government Budget Forecasting: Theory and Practice. CRC Press.

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Five Real Estate Follies, Now Reaching Their Inevitable End - Curbed

Monday, September 24, 2012, by Rob Bear Photos: Lakebutlermansion.com

Five years ago, David Siegel and his wife Jackie were living the high life, as the billionaire real estate mogul continued to rake it in with a successful time-share firm. The couple were planning their dream home, a 90,000-square-foot mega-mansion outside of Orlando, when the financial crisis hit, crippling Siegel's business and eventually spawning the story at the center of the much-lauded documentary The Queen of Versailles. The couple, who were already living in a 26,000-square-foot mansion nearby and attended to by a staff of 19, spent many, many millions on the custom palace, but, so far, have had no luck unloading the mansion, the price of which has been chopped down to $90M complete, or a bargain $65M in its current condition. Yes, someone might come along and scoop up the shell, but given the less-than-desirable location, the condition, and the massive cost of completing a now-gauche, infamous white elephant, it seems unlikely the Siegels will ever recover their investment. Instead, they're still trying to complete the place and move in, years behind schedule. Such tales of excess and failure are not uncommon, and, even as the economy regains its footing, some ultra-rich folks are engaging in similar flights of fancy, with the potential for similar financial consequences.

? Back in 2004, University of Phoenix billionaire Peter Sperling bought this partially-complete limestone mansion on a section of San Francisco's Broadway known, fittingly, as Billionaire's Row. He spent $32M on the property itself, a French limestone shell with more than 21,000 square feet under the roof, then began completing the place, before quitting in 2006 and listing it for a whopping $65M. That would have been some shrewd investing, had it sold. Instead, it's still on the market and has seen its price chopped all the way down to $38.5M. Yes, there's still a modest profit to be had here, but the carrying costs and unknown expense of his renovations make this a folly nonetheless.

Achieve MP3 Data Recovery on Mac - Data Recovery

Monday 24 september 2012 1 24 /09 /Sep /2012 04:34

With the advancement of technology, your favorite music collections can be stored through MP3 player. Cassette tapes and CDs are already outdated. With MP3 player, you have the convenience of having a portable music storage device. Not only that, you can also easily download different songs of your favorite artists. However, even though they're convenient, the most common problem with MP3 players is that the songs can be easily deleted. But don?t panic, there are still ways to recover MP3 with ease.

Why will you lose Your MP3 Files?

Before Recovery Mp3, you must make clear what cause them lost. The situations which may cause MP3 files loss are listed as follows.

?Accidentally or carelessly delete MP3 files from your computer.

?Lose MP3 files when transferring them from computer to your MP3 player or iPod for unknown reason.

?Formatting or virus infection.

?Unexpected shutdown.

How to Achieve MP3 Recovery Successfully?

Usually, if the MP3 files you lost were originally stored in your computer's hard drive, the first thing you should do is to check your Recycle Bin. If they have just been deleted and you haven't emptied your Recycle Bin yet, you can just easily click restore. If not, you can find the MP3 recovery software which can help you to recover your deleted MP3 files both in your computer or your MP3 player.

Most MP3 recovery applications are easy to download on Internet. But which one is the best? The answer is uFlysoft Data Recovery for Mac.

You just need to install this free download application on your Mac, connect your MP3 player with your Mac. This data recovery software will scan your favorite music collections without hassle (If your MP3 files are storing on your computer, just scan your hard drive.) You can find that the uFlysoft data recovery for Mac can scan your deleted MP3 files completely. After scanning finish, click ?Recover? button, and then wait for a while and drink a cup of coffee, your MP3 files will come back to you again! Isn?t it easy and risk-free to achieve MP3 Recovery?

Besides, not only the MP3 files can be recovered by uFlysoft data recovery, but also the photos, videos even the Word and Excel files can be recovered. All you need is following the same steps above.

Tips

If you are a Windows OS user, have a try on uFlysoft Photo Recovery for Win, a powerful media file recovery tool which helps you to recover your lost photos, audio and videos files with ease.

Source: http://uflysoft.over-blog.com/article-achieve-mp3-data-recovery-on-mac-110473352.html

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NCAA Water Polo No. 4 Cal Takes On No. 1 USC

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Source: http://www.conquestchronicles.com/2012/9/23/3377170/ncaa-water-polo-no-4-cal-takes-on-no-1-usc

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Cancer Fund Gala Set for Heavy Metal Legend + More News

David Livingston, Getty Images

We may have lost Ronnie James Dio to stomach cancer in 2010, but his memory and his honor live on. The Ronnie James Dio Stand Up and Shout Cancer Fund, founded in memory of the world-renowned voice of Dio, Black Sabbath and Heaven and Hell, will host its second Awards Gala on Halloween night, which is Wednesday, October 31. The event takes place at the Avalon, located in Hollywood. Awards will be presented to seven distinguished honorees for their contributions to spreading awareness of fund's important work. [Via Press Release]

Sail the high seas with Prong this fall. The band will perform as part of the Metal Insider Rocks Off Concert Cruise aboard the Star of Palm Beach. The show will take place on Friday October 19 and is an official CMJ Show. This or the Apocalypse, For Sleeping or Jumping and Eminence will support. The cruise departs from Pier 40, located at West Houston St. at West Side Highway.

"Prong has not played NYC since the release of our latest album Carved Into Stone," said frontman Tommy Victor. "Actually, we haven't done a gig anywhere in the five boroughs in a very long time. So I'm happy to announce our return home as we board the Rocks Off Cruise on Oct 19th for the Metal Insider Party at CMJ. The boat rolls out of New York Harbor and from what I hear it'll be circling the Statue of Liberty while we're on stage. What a great way to celebrate our return!" [Via Press Release]

Job for a Cowboy's Jonny Davy is the only original member of the band, but he feels that the current lineup is strong as ever. However, if there are anymore shifts in membership, it could do the band in. "When you're that young, so many things can happen with school, college ... when you go on tour, when you're that young, so many things can happen. I feel like if we started this band in our mid-20s, we would have a solid lineup all the way through. If this lineup ever changes at this point, Job for a Cowboy is done." Let's hope no one leaves, since we need JFAC's deathcore in our lives. [Loudwire]

Watch Dio's 'We Rock' Video

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Florida State 49, Clemson 37: Postgame Wrap

[Report by Dustin Tackett] When Jimbo Fisher walked in after Saturday?s game against Clemson for his press conference, you could see the pride in his face ? mixed with a little exhaustion. He began talking about Clemson as a team and how good they looked.

"I give a lot of credit to them," said Fisher. "They are a well-coached and a heck of a football team."

Jimbo continued on talking about his teams resilience and how proud he was that his guys were able to fight through their first taste of adversity in 2012. With the ?Noles going into the half trailing the visiting Tigers, the overwhelming question was whether or not this Florida State football team could respond and Fisher couldn?t have been happier.

"This was a good win for us but we should expect to play games like this, and then we have to move on," said Fisher. "I can?t say enough about our players? ability to overcome adversity ? to compete in the game and our assistant coaches did a tremendous job keeping our guys in the game, their heads in the game."

Jimbo really stressed the importance of putting this win against Clemson behind them and move on to the next game. When asked about EJ Manuel?s performance, he was a little surprised by the numbers. Manuel was 27 for 35 in the air Saturday night for a total of 380 yards and two touchdowns. He knew that EJ had played a great game, limited his mistakes, and helped fight through during crucial situations, and he knew EJ was vital in Saturday?s win against Clemson but Jimbo wasn?t the only one. While talking to James Wilder Jr. after the game about Manuel?s leadership on and off the field, EJ walked by and gave him a high-five and ? Wilder could not stop smiling.

"Man, see that?s exactly what I?m talking about," said Wilder. "We know EJ is there for us and is always there to help calm me down."

Chris Thomson had another big night on Saturday in Doak Campbell Stadium, but he couldn?t stop talking about the leader that EJ Manuel has become for this team.

"I can just look him in the eyes and know it?s time to step it up and get things done, and that?s just who he is," said Thompson. "We know he?s going to get his job done and he lets us know that he needs us."

Thompson also talked about his success on the ground and how he feels more confident out there because of the run blocking.

"All of these guys tell me I won?t get touched," said Thompson. "Lonnie tells me, that guys won?t touch you, the offensive line tells me the same thing, and that just helps me feel more confident."

When asked about his big run where he ran over a few defenders but got called back, he smiled and said, "Man, that felt good, that felt real good ? just trying to be a little like Wilder."

Timmy Jernigan was all smiles after the game and had a lot to say about their performance in the first half of the game. He thought they came out way too exciting and just needed to settle down, and that?s just what they did in the second half.

"We were first like just calm down, let?s just play ball the way that we play ball," said Jernigan. "They came out with a couple of trick plays and we knew they was going to do that ? we just have to be ready for trick plays from now on because a lot of teams aren?t going to be able to beat us straight up."

Bjoern Werner also had a lot to say about the Clemson offense. He talked about how great their offense was and how they knew there were going to be deep plays, but end the end, Werner gave the credit to the fans.

"It was amazing, I give a lot of credit to our fans," said Werner. "I just felt another bit of energy which pushed me through the rest of the game."

I?ll leave you with one of my favorite quotes of the night and that?s from Xavier Rhodes. When asked about this Clemson team and their speed, and how hard that is to prepare for, Rhodes delighted the crowd of writers.

"When we were watching film on these guys, they didn?t look fast, they didn?t even look like they were running," said Rhodes. "Once we got on the field we realized that wasn?t the case."

Just about everybody I talked to after the game had a lot to say about EJ Manuel and his performance, as well as his leadership. Everybody seems very proud of him but even more privileged to be his teammate. While they were all very happy to get this win, they continued to stay focused and ready to get working on next week.

Florida State will travel to Raymond James Stadium next Saturday to face the University of South Florida and look to keep the momentum from tonight?s win as fuel. The game will be on ESPN at 6 p.m.

Source: http://www.tomahawknation.com/2012/9/23/3375892/florida-state-49-clemson-37-postgame-wrap

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Whistleblower: Dad's debt ties up student's funds

When Gloria James, 17, received a $500 scholarship and a few checks at her high-school graduation party in June, she deposited them in her savings account.

Ten days later, when James went to her Brooklyn Center credit union to make a withdrawal, she was told she couldn't.

The funds had been garnished to pay a debt.

"I was confused at first; I don't owe anybody money," said James, who moved with her family to the United States from Liberia when she was 9 and is now a University of Minnesota freshman.

It turns out the debt is her father's. Citibank of South Dakota obtained a judgment against him in January 2011 for $4,304.

When James opened her savings account at 16, banking rules required that she to do so with an adult. With her father's name on the account, the money in it was fair game for any debt collector after him for funds.

In the past few years, state courts have favored creditors with decisions that make it easier to garnish funds from joint bank accounts, with no obligation to give non-debtors a heads-up.

A 2010 Minnesota Supreme Court decision interpreted state law to say a creditor may assume that the entire amount in a joint account belongs to the debtor unless someone can prove otherwise.

Due process takes a back seat

Due process is a constitutional principle that says a person has the right to be given sufficient notice of the taking of their property by legal means.

The collection agency, Rausch, Sturm, Israel, Enerson & Hornik, LLC, a Wisconsin firm with an office in Minneapolis, didn't notify James of the garnishment or her right to argue that the money was hers. Nor did her credit union.

But they weren't required to. Recent court rulings have supported the view that a non-debtor is given sufficient notice of a garnishment if the joint account's debtor is notified.

According to James, her father, Emmanuel James, of Brooklyn Center, failed to share the notification with her.

"My dad doesn't communicate with me. So I would have gone to the store, picked up my school supplies, swiped my card and found nothing there," James said.

Emmanuel James did not respond to Whistleblower's request for comment.

To make matters worse, officials of the collection agency refused to speak to James, she said.

They wanted to talk to her father instead, "despite the fact that I'm the primary holder of the account," James wrote in a letter to the firm.

"[James'] name isn't on the judgment, so if the creditor has a policy of not discussing a debt with a non-debtor, it is understandable they wouldn't talk to her," said Randall Ryder, a Minneapolis lawyer who represents consumers in collections cases.

Jason A. Adams, an attorney for the collection agency, declined to speak to Whistleblower about the company's policies.

Determination pays off

James hopes to pursue either biology or law at the U and is paying college expenses with grants, scholarships and loans.

While in high school, James was enrolled in Upward Bound, a federal program with the stated purpose of providing "fundamental support to participants in their preparation for college entrance." The program serves students from low-income families or families in which neither parent has a college degree.

As part of the program, James interned over the summer in the office of Hennepin County District Judge William R. Howard. He encouraged her to write to the debt collector, describing the situation and how she felt about it, James said.

She spent weeks researching garnishment law, crafted a two-page letter and sent it to Adams on Aug. 17.

James then obtained documentation of what happened and contacted the Volunteer Lawyers Network, a Minneapolis-based nonprofit that serves low-income clients.

James was assigned to attorney Ryder. On Sept. 6, Ryder sent a letter to Adams saying, "We have a problem here."

Adams responded that he had ordered the release of James' funds on Aug. 22, five days after James mailed her letter to him, Ryder said.

"So I really didn't do anything," Ryder said. "[James] took the initiative. She took charge of it and solved it on her own."

In the end, James is out $20, the amount the bank charged to freeze her account and send her father a notice.

She's also on the hook for a bit extra in interest payments from increasing one of her student loans to pay for supplies, not realizing her funds had been released.

James said her credit union told her that when it released her funds, it sent out a notice -- to her father.

Source: http://www.startribune.com/local/north/170848961.html

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Revenue Chance House Based Organization | My Blog

Posted by CarthonPillot336 on Sep 21, 2012 in SPORTS | Comments Off

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Video: Congress members get out of town

>>> and members of congress are heading for the exits, leaving washington heading for their home districts to campaign for the next few weeks. after that, they will return after the november election.

>>> by the way, this is the earliest congress has left town prior to an election since 1960 . they are leaving behind a pile of unfinished business , including 12 major spending bills.

Source: http://video.msnbc.msn.com/nightly-news/49126115/

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September 21, 2012 ? 11:21 am

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Source: http://dreamtraveltoday.wordpress.com/2012/09/21/cheap-car-insurance/

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Oil prices drop back to reality

Oil prices fall 7 percent since Friday. The drop in oil prices was overdue, analysts say.

By Jonathan Fahey,?AP Energy Writer / September 20, 2012

Sign worker Ray Messore, of Glocester, R.I., works on a sign next to one where gasoline prices are posted at a gas station in Pawtucket, R.I., on Monday. After moving above $100 a barrel last week, oil prices have fallen 7 percent.

Steven Senne/AP/File

Enlarge

Reality returned to the oil market this week.

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Oil has fallen 7 percent since last Friday, when the price briefly topped $100 for the first time in 4 months. The sharp drop was expected and overdue, many analysts say.

Traders had driven oil prices up by 30 percent since late June in anticipation of new measures from the world's central banks to boost economic growth. This week they woke up to some cold hard facts: there's no easy fix for the global economy, demand for oil is slowing and there's plenty of supply.

"It was hope versus reality," said Judith Dwarkin, chief?energy?economist at ITG Investment Research. "It was inevitable."

On Thursday benchmark U.S. crude steadied, slipping just 11 cents to finish at $91.87 per barrel. But it's more than $7 below where it closed last week. For drivers, that should mean lower gasoline prices, although the decline will be tempered by recent shortages in some regions.

Oil is sliding because demand is growing slower than expected. That's because economies around the world are struggling, including the three biggest oil consuming regions: the U.S., China and Europe. When economic growth falters, demand for gasoline, diesel and jet fuel falls as people travel less and ship fewer goods.

In recent years world oil demand has grown about 1.3 percent per year on average. This year and next, though, demand will likely grow closer to 0.8 percent, Dwarkin says.

At the same time, world oil supplies are plentiful. Production in the U.S., Canada, Iraq and Saudi Arabia has increased enough to make up for losses from Iran, Venezuela and elsewhere. The U.S. government reported this week that stocks of oil grew by 8.5 million barrels to 367.6 million barrels, which is 8.4 percent higher than last year.

Investors saw much of this ? and still oil soared in August and early September. That's because central banks around the world took measures to reduce borrowing costs in hopes of stimulating their weak economies. When borrowing costs fall, more money is available to invest in assets such as oil and traders expect demand for oil to rise.

Also, continuing tensions in the Middle East raised fears of future supply shortages. Traders bought oil as a safeguard.

"There was a tug of war," Dwarkin said. One side was the expectation that geopolitics and stimulus programs would push prices higher. On the other side was the fact there is plenty of oil to meet demand.

Oil markets suddenly leaned to the downside this week. There were questions about how effective the Federal Reserve's latest stimulus program would be. Economic indicators from Japan, China and Europe were disappointing. And the U.S. government reported an unusually large increase in the nation's crude supplies.

Without a major disruption or surprising economic turnaround, the price of oil may drift somewhat lower in the coming months. Analysts don't expect it to fall sharply though. Dwarkin expects it to average $95 per barrel both this year and next.

The recent drop in oil won't ease concerns about jobs and wages. But lower retail gasoline prices in the U.S. are likely to follow.

"This is good for the consumer," said Tom Kloza, chief oil analyst at the Oil Price Information Service.

The drop in pump prices may be a little delayed in coming, though, Kloza said. A series of refinery problems has kept gasoline supplies in the Northeast and along the West Coast low, which is helping to keep national average prices high. The shortages are expected to ease in the coming weeks. Refiners are expected to be able to produce enough gasoline to meet demand that is in a seasonal trough, and weaker even than usual.

The national average retail gasoline price fell less than a penny to $3.85 per gallon, according to AAA, OPIS and Wright Express.

In other?energy?trading, Brent crude, which is used by refiners to make much of the gasoline that is sold in the U.S., rose $1.84 to end at $110.03 per barrel.

Natural gas rose 4 cents to finish at $2.80 per thousand cubic feet.

Heating oil rose 5 cents to end at $3.10 per gallon.

Wholesale gasoline rose 8 cents to finish at $2.90 per gallon.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/gdUiLu6sVi4/Oil-prices-drop-back-to-reality

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Christian activist: I was deceived over film

TODAY's Matt Lauer speaks with Al-Arabiya's Washington bureau chief Hisham Melhem on what has made conditions in the Middle East so ripe for violence, and whether there's a deeper anger that feeds the current outrage against the United States.

By Reuters

WASHINGTON -- An American Coptic Christian activist whose California TV facility was used to make an anti-Islam film that touched off protests across the Muslim world said he was deceived by the film's producer about its inflammatory content.?

In a statement posted on the blog of a prominent American anti-Islamic activist, Joseph Nassralla, founder of a Duarte, California-based group called Media for Christ, said he was a victim of "disinformation and smear" and the film's principal producer had altered its content without his knowledge.?

---

Akhtar Soomro / Reuters

Protests ignited by a controversial film that ridicules Islam's Prophet Muhammad spread throughout Muslim world.

Media for Christ operates a Christian satellite TV station called The Way TV, according to its website and tax return.?

Nassralla said he was contacted last year by Nakoula Basseley Nakoula, whom he described as the film's producer, with a plan to make a film about the persecution of Christians in Egypt.?

Nakoula, who has a criminal record for bank fraud and drug offenses, was briefly questioned last weekend by federal authorities about possible probation violations. He was later released and has gone into hiding.?

Nassralla said in his statement that in explaining his film project, Nakoula had said the film would be called "Desert Warrior" and would "examine the culture of the desert and how it is related to what is going on right now."?

The statement was posted on the website Atlasshrugs2000, which is run by Pamela Geller, an activist who has organized anti-Islamic protests and events, including demonstrations opposing construction of an Islamic center near the site of the September 11 attacks on the World Trade Center in New York in 2001.?

Egypt issues arrest warrants for Terry Jones, Coptic Christians over anti-Islam video

There was no way to independently confirm Nassralla's account.?

An attorney representing Nakoula in the investigation by probation officials declined to comment on Nassralla's statement, saying he was aware of the blog post but had not had a chance to discuss it with his client. He said Nakoula or his representatives may issue a statement in the future.?

Actors: 'We were grossly misled'

Nassralla, who spoke at two rallies in 2010 and 2011 organized by Geller, said Nakoula "needed a place to film. So I let him use my facility."?

"That is all I did, and is the full extent of my involvement with this project. Nakoula used my facility for ten days. Media for Christ employees were given a vacation during that time, because Nakoula was using the facility and so there was no work for them. There was only one Media for Christ employee who remained, to answer phones for the ministry," Nassralla said.?

NBC Chief Foreign Correspondent Richard Engel spoke with former Arab League chief and former Egyptian foreign minister, Amr Moussa, to ask why there has been so much anti-American violence despite America's support of Arab Spring.

Hezbollah chief makes rare appearance, leads calls for protests over video

There was no sign of activity at the small studios of Media for Christ, located in a nondescript office park behind a Walmart store in suburban Duarte, during two visits last week by a Reuters reporter.?

On both occasions the doors were found locked and knocks went unanswered. A woman who worked at an office next door said she had not seen any employees there in recent days.?

Nassralla said he later discovered that Nakoula, using the name "Sam Bacile," had used Media for Christ's name without his permission to obtain an official permit for making the film.

'We were shocked'
After accounts of the film began circulating in Egypt and other Muslim majority countries, the amateurish production -- which portrays the Prophet Muhammad as a womanizer and a fool -- set off a chain of violent protests and attacks on U.S. and other Western embassies in the Middle East and North Africa.?

In his statement, Nassralla said Nakoula had "filmed his movie not only at my ministry location, but in Nakoula's own home (which reporters located by getting the address from the actors), and in another facility for outside scenes that was included in the permit, Blue Canyon."?

US analysts: Benghazi emerges as key recruiting ground for al-Qaida

Nassralla also said that behind his back, Nakoula had "altered the film without anyone's knowledge, changing its entire focus and dubbing in new dialogue. He edited it."?

"The final product, 'Innocence of Muslims,' bore no resemblance to the film I thought he was making, or the film the actors thought they were creating. We were shocked," Nassralla said.?

In an introduction to Nassralla's statement, Geller said that she had last seen him at an event in June in California, and that now he was being "hunted like an animal for speaking critically about Islam."?

Nassralla "is currently in hiding after multiple death threats from Muslims because of his purported role in producing this video," she said.?

In an exchange of emails with Reuters last weekend, Geller suggested that if Nakoula was arrested, that would represent an attempt to impose strict Islamic Sharia law in the United States.?

"He will not be in prison for fraud or some probation violation, but for blasphemy. This is Shariah enforcement in America," she said.?

In a later email, however, Geller expressed disappointment over Nassralla's account of his dealings with Nakoula. But she added, "That would not make (Nakoula) any less a political prisoner."?

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Source: http://usnews.nbcnews.com/_news/2012/09/19/13957921-christian-activist-says-he-was-deceived-over-anti-islam-film?lite

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Dress for Speaking Success | STAGE WRITE with Lynne Gentry ...

The other day I was asked to join a couple of author friends at a speaking gig in East Texas. My first concern should have been what to say? But I worried more about what to wear? Call me shallow, but the reality is:?Fifty-five percent of communication is accomplished by our appearance. I knew speaking at an afternoon?tea was an opportunity to promote my books and the various workshops I offer. Winning the trust of these ladies was my goal. To captivate my audience, I needed more than quality verbal content. I needed pleasing non-verbal visuals. Here are the things I took into consideration when choosing my wardrobe:

Speakers get thrown onto all kinds of stages. Stacked chairs were a first for me.

Audience Assessment ? Who was I talking to? I knew I would be speaking to older, conservative women who love any excuse to break out the fine china. Most likely their once-a-month meeting was a chance for them to ?gussie up? a bit. I wanted my audience to know that I respected them enough to dress up for them. I wore heels ? and my feet still haven?t forgiven me.

Comfort ? Which brings us to comfort. Shoes should be comfortable. More than likely I would be standing for the presentation. I needed shoes that could take me to the stage without noise, allow me to shift my weight, and facilitate moving about the stage without tripping. A couple of years ago,?I wore a pair of new heels on a highly waxed wooden floor and nearly landed on my backside. Memorable, but not my most graceful entry. I do like to wear a bit of a heel because the elevation straightens my spine and makes me feel taller and more confident. Feeling confident allows me to forget about me and?authentically concentrate on the message.

Color affects my mood and a dynamic color sets an energetic and positive tone for the audience. Rich greens or vibrant blues pop against almost any backdrop and help your body stand out. I ?don?t have to be a flashing neon sign, but I don?t?want to revert to black because it makes me look thinner. If the stage is dark, I run the risk of my body disappearing. You may think that is a good thing. But if your body goes away, this leaves only your face to transmit non-verbal clues. From a distance, the audience would miss 55% of my communication. As an aside, blue is always a good choice for the harsh lighting of a TV studio.

Smile ? Finally, the most important thing to wear is a confident smile on my face.
We?ll talk?more about what to wear and what not to wear. I?d be interested in hearing?about your public speaking?wardrobe malfunctions.

Wife. Mother. Writer. Acting Coach.

Source: http://lynnegentry.wordpress.com/2012/09/18/dress-for-speaking-success/

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'Boardwalk Empire' Season Premiere: Lingering Questions

Aside from the assertion that 'you can't be half a gangster,' Sunday night's season three premiere left many questions unanswered.
By Kevin P. Sullivan

Steve Buscemi, Natalie Wachen and Michael Kenneth in "Boardwalk Empire"
Photo: HBO

Source: http://www.mtv.com/news/articles/1693932/boardwalk-empire-season-three-premiere.jhtml

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Russia writes off 90 percent of North Korea's debt

MOSCOW (Reuters) - Russia said on Tuesday it agreed to write off 90 percent of North Korea's $11 billion debt and would reinvest the balance in the reclusive Asian state, in a sign of closer engagement with Pyongyang under new leader Kim Jong-un.

By writing off most of the sum owed by North Korea, one of the world's poorest countries, Russia granted a level of forgiveness in line with debt reduction deals it has given to its most impoverished debtors.

Moscow said the remaining $1 billion or so of the debt racked up by Pyongyang when it was a client state of the Soviet Union would go towards energy and education deals as well as development aid.

"It will be decided later by the parties for what purposes the funds received for the repayment of this debt will be used," Konstantin Vyshkovsky, head of the debt department at the Russian Finance Ministry, told Reuters.

Parts of the international community have been seeking to re-engage with North Korea since the death of Kim Jong-il, amid hopes that his son and successor would seek ways to end years of isolation and poverty.

RAIL AND POWER LINES

Analysts believe infrastructure deals will likely be a big part of the investments, including in railway and power lines.

Russia is also considering building a gas pipeline to energy-hungry South Korea - which Alexander Vorontsov, head of the Korean and Mongolian Studies department at a Russian Academy of Sciences institute, said Pyongyang would be bound to welcome.

"Yes, they're in conflict (with the South), but undoubtedly, North Korea is very interested in the pipeline," he said.

The two Koreas remain technically at war and are separated by one of the world's most militarized frontiers.

Analysts say those tensions and other sources of gas that South Korea benefits from mean the pipeline project is unlikely to get off the ground, at least for the time being.

"Nothing will happen immediately," Vorontsov said. "But the (debt) agreement is a success - first, it will improve economic cooperation with North Korea itself and this could gradually lead to the expansion of Russia's influence in Eastern Asia."

North Korea traditionally played off China, its main economic and political backer, against the former Soviet Union until the latter's collapse in 1991. Negotiations on restructuring the debt to Russia stalled for most of the past two decades, with fresh talks starting only a year ago.

Russia, which hosted an Asia-Pacific summit earlier this month near the North Korean and Chinese borders which Pyongyang did not attend, is keen to increase its influence in Asia's fast growing economies.

Moscow ships half of its exports to Europe but, prompted by the region's debt crisis, the government wants to double the share of exports that go to the Asia-Pacific region, which now make up a quarter of the total.

At the summit in Vladivostok, gas export monopoly Gazprom signed a draft deal with Japan on a liquefied natural gas export terminal on Russia's Pacific seaboard that dealt a blow to the trans-Korea pipeline's prospects.

The outstanding debt owed by North Korea will be managed by Russia's state development bank, Vnesheconombank.

(Writing by Lidia Kelly and David Chance; Additional reporting by Gabriela Baczynska; Editing by Douglas Busvine, John Stonestreet)

Source: http://news.yahoo.com/russia-writes-off-90-percent-north-koreas-debt-124126477--business.html

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Protests erupt in Afghanistan as Muslim anger over film simmers

KABUL (Reuters) - Thousands of protesters took to the streets of the Afghan capital on Monday, setting fire to cars and shouting "death to America", the latest in demonstrations that have swept the Muslim world against a film mocking the Prophet Mohammad.

Western embassies across the Muslim world are on high alert and the United States has urged vigilance after days of anti-American violence provoked by the film.

"There were between 3,000 and 4,000 demonstrators. They burned some police cars, but we could split them up and prevent the insecurity widening," Lieutenant-General Fahem Qayem, police quick reaction force commander, told Reuters in Kabul.

Embassies in Kabul's heavily guarded central zone were placed on lockdown, including the U.S. and British missions, after violence flared near fortified housing compounds for foreign workers in the city's volatile eastern suburbs.

"We will defend our prophet until we have blood across our bodies. We will not let anyone insult him," said protester Jan Agha Pashtun, giving what was apparently a false name to avoid police retaliation. "Americans will pay for their dishonor."

It was the latest in a week of violent protests fanned by anger over a video, posted on the Internet under several titles including "Innocence of Muslims", that mocked the Prophet Mohammad and portrayed him as a womanizer and a fool.

The head of Libya's national assembly said an attack on the U.S. consulate in Benghazi that killed Ambassador Christopher Stevens and three other Americans last Tuesday looked like a planned assault by a "group with an agenda" rather than a spontaneous reaction to the video posted online.

With protests against the film continuing from London to Lahore on Sunday, Western diplomatic missions were on edge. Germany followed the U.S. lead and withdrew some staff from its embassy in Sudan, which was stormed on Friday.

The United States ordered non-essential staff and family members to leave its embassy on Saturday after the Khartoum government turned down a U.S. request to send Marines to bolster security.

Non-essential U.S. personnel have also been withdrawn from Tunisia, and Washington urged U.S. citizens to leave the capital Tunis after the embassy there was targeted on Friday.

About 350 people chanted slogans at a rally outside the U.S. embassy in London on Sunday. A small group of protesters burned a U.S. flag outside the embassy in the Turkish capital, and in Pakistan there were protests in more than a dozen cities.

The head of Shi'ite militant group Hezbollah called for protests in Beirut this week.

"Those responsible for the film, starting with the U.S., must be held accountable," Sayyed Hassan Nasrallah said. "All these developments are being orchestrated by U.S. intelligence."

"AGENDA FOR REVENGE"

The violence is the most serious wave of anti-American protests in the Muslim world since the start of the Arab Spring revolts last year. At least nine people were killed in protests in several countries on Friday.

The crisis presents U.S. President Barack Obama with a foreign policy headache as November elections approach.

Some U.S. officials have suggested the Benghazi attack was planned by Islamist militants using the video as a pretext, a hypothesis endorsed by Mohammed Magarief, the president of Libya's national assembly.

"Call it whatever you want, al Qaeda or not, what happened was an act by a group with an agenda for revenge. They chose a specific time, technique and certain victims. This is what it was all about," Magarief told Reuters in an interview.

However, the U.S. ambassador to the United Nations, Susan Rice, said on Sunday talk shows that preliminary information indicated that the attack was not pre-meditated.

"There's no question, as we've seen in the past with things like 'The Satanic Verses', with the cartoon of the Prophet Mohammad, there have been such things that have sparked outrage and anger and this has been the proximate cause of what we've seen," she said.

U.S. FORCES DEPLOYED

U.S. Defense Secretary Leon Panetta said at the weekend he hoped the worst of the violence was over but U.S. missions must remain on guard.

"It would appear that there is some leveling off on the violence that we thought might take place," he told reporters on his plane en route to Asia on Saturday.

"Having said that, these demonstrations are likely to continue over the next few days, if not longer."

The United States has deployed a significant force in the Middle East to deal with any contingencies and rapid deployment teams were ready to respond to incidents, he said.

The foreign minister of Egypt, where hundreds of people were arrested in four days of clashes, assured Secretary of State Hillary Clinton that U.S. diplomatic grounds would be protected.

Mohamed Kamel Amr told Clinton in a telephone call that the film was designed to incite racial hatred and was therefore "contradictory with laws aimed at developing relationships of peace and mutual understanding between nations and states".

(Additional reporting by David Alexander in Tokyo, Jonathon Burch in Ankara, Petra Jasper in Berlin, Tom Perry in Cairo, Dominic Evans in Beirut, Yeganeh Torbati in Dubai, Katharine Houreld in Islamabad and Tim Castle in London; Writing by Robin Pomeroy; Editing by Jonathan Thatcher)

Source: http://news.yahoo.com/western-embassies-edgy-muslim-anger-film-simmers-000716007.html

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Magnificent painting of Radha Krishna..!! - IdeaMarketers

by Geetha G
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Radha Krishna Paintings at Tarang, Arts are a wide variety of elegant masterpieces which are renowned for their sheer beauty and excellence. Lord Krishna is a vital figure in Hindu Mythology and he is said to have written the Bhagavad Gita, this avatar of Lord Vishnu is considered as the one and only God, the Supreme Being.

These stunning Radha Krishna paintings are truly a work of art, worth possessing. A richly designed Radha Krishna painting adds the right touch of opulence and subtle elegance to your home.

Magnificent Radha Krishna Painting..!!

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Geetha G
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Find And Compare The Most Effective ecommerce Solutions Currently

Ecommerce has transformed into the lifeline of each business. It?s become imperative that each company have an online shop, which jobs its image and will help a person understand just what form of products or services the company deals with. With the help of the best ecommerce options, it is possible to create your web business a massive success. By following the best e-Commerce options and approaches you may increase your ROI and obtain a larger traffic to your site. There are many organizations that provide you with e-Commerce Solutions that are the customized to suit your specific requirements. These are only great for a person who is merely starting from the internet, and does not exactly know how to get started. A great business that supplies you with e-Commerce options must ensure that your website is well enhanced to be able to draw traffic and bring you to the top in the search engine results positioning as well. A well seasoned company can know just what works on the web, and what doesn?t. Their solutions will be usually customized by them to give you the most readily useful results.For a person who is simply beginning, the below listed e-Commerce solutions are great ideas to consider. This can give you a good idea on which to check out for, in order that you can get began to making your site a great place for your present and possible customers.1. Internet site Design and Development ? this is probably among the most critical ecommerce alternatives. The construction and structure of one?s site are going to determine marketing campaign results. Whether you are designing a brand new web site, or revamping a classic one, it does require energy, which only a professional can provide.2. Search engine marketing ? Several elements go into creating a web site that?s specifically created to draw and improve traffic into your site. For this you?ll need great website marketing solutions which are well designed and implemented.Other e-Commerce solutions range from the domain name, shopping cart application, web hosting, merchant consideration, support and maintenance, etc. All these play a large part to create an internet site success.Here are the several e-Commerce alternatives presently available in the market.Magento Commerce: Magento commerce is the major kind of e commerce on the web currently. Centered on a superb variable software, website owners are provided by Magento commerce solutions with the various tools to build up their internet sites into rewarding highly noticeable trying to sell places. Magento uses PHP as a server scripting language and the MySQL Database. The data model is founded on the Entity-attribute-value model that stores data objects in tree houses, thus permitting an alteration to a structure without transforming the database definition. OsCommerce Development: OsCommerce is the energy behind countless online retailers that start an incredible number of pounds annually. One of the most effective characteristics of OsCommerce may be the pace at which it can be configured and can begin to sell your products on line within just units of installation. It provides effective integrated operation including: item brochure, bill management, protected Administrator?s panel plus online resources and reporting features OsCommerce is ideal for virtually any type of online business.Zen Cart Developers: Zen Cart is definitely an online shop management system. It is an art of e-Commerce; free, user-friendly, open source shopping cart application software. Some shopping cart application options appear to be challenging development exercises rather than responding to people? requires. Zen Cart applies the stores and customers needs first.X-Cart Customization: X-Cart is 100 % PCI-DSS appropriate ecommerce shopping cart application. With aid of PA-DSS qualified X-Payments application credit cards can be accepted by you close to your X-Cart powered web-site. X-Cart has a W3C-compliant storefront with a CSS-based structure.

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Source: http://articlepdq.com/health-fitness/find-and-compare-the-most-effective-ecommerce-solutions-currently/

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The following voter apathy is brought to you by a galaxy far, far away...

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A picture has recently been making the rounds on Facebook, depicting the righteous face of Obi-Wan Kenobi, Darth Vader menacingly raising his hand, and below them, the obliviously happy visage of Jar-Jar Binks.? Under the pictures, respectively, are the captions ?How You See Your Candidate?, ?How You See Their Candidate?, and ?What Both of Them are Really Like?. ?

Hilarious -- and at the same time, a sad illustration of a section of Americans who look at pictures such as these, say ?That?s right!?, pat themselves on the back, and proceed to stay home on Election Day.? It?s no secret that politicians have enjoyed a less-than favorable reception that comes with the job of one man deciding the fate of many men. ?

Questionable agendas, broken promises and scandals political and personal have changed America?s views of our leaders to the point where we regularly group them with lawyers and IRS employees.? The Watergate scandal and former President Clinton?s near-impeachment are the first to come to mind, though they have not been the first, last, or most damaging of skeletons in thrust-open closets.

?I?m not voting,? a friend of mine proudly proclaimed, with a tone that suggested his conclusion to be above all other options.? ?They?re all the same anyway.?? President Obama and Governor Romney are two very different people with policies and views that could hardly be described as ?the same?.? I fail to understand how people can cavalierly judge both candidates to be ?the same? without reading about and understanding the policies and platforms of either one. ?

Do not look to political advertisements or internet pictures for your information.? With the amount of negativity in the political campaigns, it?s no surprise that viewers would attempt to take a third option and vote for nobody.? But there are more sources of information than smear campaigns and superPACs.? The undecided -- and the easily-influenced -- voters see a small snippet of information, and then out of sheer laziness decide that there?s nothing more for them to see, and not vote. ?

This is a dangerous decision.? Post-election, that non-voter will look out his or her window, find something to complain about, point at Washington and declare the mess to be their problem.? But inaction can be just as dangerous as action.? Concerning my friends who don?t agree with me politically -- we may not stand for the same issues.? But at least I know that they stand, and not sit.

Source: http://www.muhlenbergweekly.com/the-following-voter-apathy-is-brought-to-you-by-a-galaxy-far-far-away-1.2901538

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Researchers find our inner reptile hearts

Public release date: 14-Sep-2012
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Contact: Professor Tobias Wang
tobias.wang@biology.au.dk
45-51-37-77-37
Aarhus University

Since the early 1900s, scientists have been wondering how birds and mammals could have developed almost identical conduction systems independently of each other when their common ancestor was a cold-blooded reptile with a sponge-like inner heart that has virtually no conduction bundles.

The studies show that it is simply the spongy inner tissue in the foetal heart that gets stretched out to become a fine network of conductive tissue in adult birds and mammals. And this knowledge can be put to use in the future.

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2012-09/au-rfo091412.php

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