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Keynote ; 1999 hira, t. k. "the nature of a fresh start and the role of financial education in granting discharge to chapter 7 debtors." insol international conference of the americas, bermuda. 1998 hira, t. k. "importance of financial management education as part of family resource management in developing economies." college of home economics, lahore, pakistan. 1997 hira, t. k. "credit culture and the need for money management education." university of putra, kuala lumpur, malaysia. 1996 hira, t. k. "application of family resource management model to improve family financial well-being." international federation of home economics congress, bangkok, thailand. 1995 hira, t. k. "credit counseling model: implications for the industry." consumer finance association conference, osaka, japan. 1995 hira, t. k. "consumer credit issues and the role of money management education and credit counseling." japan-american consumer education conference, tokyo, japan. keynote ; 1995 hira, t. k. "factors influencing saving behavior of american households." japan-american consumer education conference, tokyo, japan. 1994 hira, t. k. "underlying causes of family financial problems and development of appropriate financial counseling techniques." otago budget advisory services district meeting, dunedin, new zealand. 1994 hira, t. k. "changing family structure and the economic well-being of new zealand families." new zealand federation of family budgeting services, wellington, new zealand. keynote ; 1994 hira, t. k. "why we must develop formal educational courses in financial planning." rotary international, dunedin, new zealand. 1994 hira, t. k. "status of financial planning profession and professionals in the u.s.a: implications for institutions of higher education." investment portfolio design and securities limited, auckland, new zealand. 1994 hira, t. k. "consumer debt and consumer bankruptcy in the u.s.a.: the need for money management education and financial counseling." association of home science alumnae of new zealand, inc., dunedin, new zealand. 1992 hira, t. k. "international comparison of consumer bankruptcy and consumer debt." annual meeting of national conference of bankruptcy clerks ncbc ; , acapulco, mexico. keynote ; 1990 hira, t. k. "risk management practices and their impact on household's satisfaction with financial status." nara women's university department of. After a strong, artificial 2 opening, an artificial 2 response which is either negative or waiting is not alertable those who play a "semi-automatic" 2 bid do not need to alert. if 2 guarantees the values for game, or has any meaning other than negative or waiting, it must be alerted. 3 ; ace asking bids 4nt blackwood any variety over suits ; and 4 gerber any variety over notrump ; and expected responses thereto do not require an alert of any kind. all other ace-asking bids and responses require an alert, but some these alerts must be "delayed.
My job if i showed you the bodies." i said we would never want such a thing to happen, and i apologized for suggesting this. but then his eyes twinkled as he worked out a solution. "if you are willing to say you accompanied a family to the morgue and saw the stacked bodies when i opened the door for the family to retrieve the body, i could do this." oswald and i discussed the ethics of this, and we decided this was an acceptable compromise. so off we went to the cold storage lockers, and the man swung open door after door. he pulled out trays, showing us three children stacked in one tray. above them were an adult male and a woman. her body was head in. his was head out. below them was an infant, wrapped in a blanket. oswald and i shot the gruesome sight and thanked the man. the story made the lead in the namibian and was the talk of the country on the national radio talk show for the next week. eventually, when i returned to windhoek, i watched the issue be taken up in parliament as the opposition party pressed the government for a solution. in a country with limited resources, however, there is no easy solution. namibians are free after years of bitter struggle with south africa. the government thought the namibian would be "on its side" when it came to power after independence in 1990. the newspaper had been the leading proponent for independence after all, and the white power element in the country had done a pretty good job of firebombing the newspaper offices several times. it even put out a contract on the life of the editor and publisher, gwen lister. the new government just didn't understand why lister saw things differently. the newspaper, as she sees it, has a simple agenda: to be a watchdog, to report fairly and accurately. the government, of course, hates such. Indicator 18: business and institutional stewardship business and institutional stewardship is growing within the rouge watershed. attitudes and the perceptions about the rouge river are becoming more positive and momentum is building. awareness is growing regarding the role businesses and institutions play in the degradation as well as the restoration of the rouge river. where we were: for most of the 20th century, industrial activities and discharges were a major contributing factor to environmental degradation in the rouge river and southeast michigan. most of the industries along the rouge river used river water in their industrial processes, as well as their sanitary sewer systems to carry away their liquid wastes. the river was severely polluted especially in the downstream reaches, where oil and other chemicals frequently floated on the water's surface and even caught fire. where we are: today, major industrial discharges directly to the river are less than 2% of the pollutant sources to the rouge. major corporations are actively supporting and promoting stewardship efforts including the sustainable renaissance project, the rouge education project, recycling and pollution prevention, and habitat protection restoration projects. pollution control and prevention is being integrated into their daily activities. small and medium-sized businesses are beginning to participate in pollution prevention initiatives such as rouge friendly business programs, community partners for clean streams business recognition programs, and the great printers project. institutions such as university of michigan and henry ford community college are partnering with friends of the rouge and local communities to establish rouge river resource information and interpretive centers and programs. a consortium of u of mdearborn, greenfield village, henry ford estate, wayne county, local communities, ford motor company, and other businesses are teaming up to explore and promote revitalization of the lower portions of the rouge river. a fish ladder, interpretive trails, and boat tours linking historic sites along the rouge river corridor are all aspects of the vision being promoted. where we want to be: by 2002: a 20% increase in the number of businesses and institutions that are recognized as river friendly or as a community partner for clean streams will have occurred. by 2002: local corporations and institutions will be sponsoring employee volunteer days for rouge restoration projects. by 2005: local universities and colleges will be taking a leadership role in providing community education regarding rouge issues see indicator 14 and game of craps.

I passed out only to be woken when the technician noticed i wasn't responding to her. when the session was over, she saw i was in tremendous pain. instead of trying to get me back in the chair, she thought it would be better to slide me into a gurney. she called for a cart and a couple of attendants. this was a much more humane way to deal with the transfer. when i slid into the gurney, it struck me that i was more comfortable having other people move my body than moving it myself. i had absolutely no control over anything. i was swimming in pain, thinking i'd reached the lowest low but the day was still young. they wheeled me up to room, and three people lifted my flat body back into my bed. breakfast was waiting for me, but this wasn't the time to be trying any hospital food. i just wanted to sleep. i chugged a tylox, loosened my brace and tried to drift to sleep. i almost made it when i felt the first twinge of nausea hit my stomach. i took a zantac with a tall glass of water and tried to doze off again. for a while it worked. i fell into a deep sleep but experienced a paranoid nightmare like the kind i used to get from chloroquin. i was in a world war i trench with shells flying all around. i was being chased by an enemy force that kept getting closer and closer. i was running in and out of a labyrinth of bunkers and tunnels. finally they caught me, and i was hauled off to prison camp. i took a bullet along the way, and i was bleeding from my leg. just as they shut the prison door on me i woke up with a start. there's no better relief than popping awake from a nightmare knowing it was all fantasy. instead i looked down at my legs and pined for the prison camp. then the nausea came back. i swallowed more water. i raised and lowered my bed. finally it got so bad i buzzed the nurse. tom, the day nurse, came into the room followed by andy and my parents. "something's wrong, " i said. "i'm sick to my stomach and i'm burning up. tom pulled out his thermometer, andy grabbed my pulse and my mom put her hand on my forehead. "jesus, tommy, " my mom said, "you're on fire." "i'm ready to puke, too, " i said. "but i can't get anything to come out." andy went over my chart and tried to figure out what was wrong. "hey, " he said, "when's the last time you've taken a crap?" "i don't know, " i said, "last sunday as far as i can remember." "weren't they giving you a bowel program at ohsu?" he asked. "what's that?" i said. andy rolled his eyes and walked out of the room. he called ohsu and sure enough they had given me a "bowel program" but there weren't any results. finally i had to act the idiot and ask, "hey, what the hell is a bowel program?" for some reason hospital people find it very difficult to say the words "crap, " "shit, " and "dump." instead they use the term "bowel program." these people are sticking their fingers in us and ramming tubes into our bodies, but they're afraid to use the word "shit" in front of us. more than likely nobody wanted to be the one to tell me that for the rest of my life i was going to have to ram a pellet up my ass and stay on a toilet for an hour while my innards drop out. it gets even more fun than that. every 15 minutes i have to put on a rubber glove and digitally do my ass until all the shit drops out. apparently at ohsu they were putting the pellet up my ass but not doing the digital thing. none of the crap came out. i remember them doing something, but i thought they were sticking tubes up there or taking samples. at the same time i was eating tylox like candy. tylox will stop up your system and turn everything in your digestive track to rock. andy looked at me and said, "dude, you're f.o.s." "what's that?" i asked. my mother, andy, and tom said in unison, "full of shit." "so let's get that shit out of there, " i said. "i'm sick as hell." "we're gonna cram you full of laxatives, " andy said. "how long's that gonna take?" i asked. "about 24 hours, " he said. "24 hours? whaddya mean?" i said. "can't we just flush that crap out of there?" "not without ripping up your intestines. and. um. we've got to take you down for more x-rays." at ohsu i was in pain, but towards the end of the first week i started to feel better and i thought i might be getting over the worst of it. after my first day at ric i realized that i hadn't even started. they mistransferred me again onto a gurney and rolled me back down to the x-ray tech. "what are you doing here again?" she asked. "f.o.s." i said. she rolled her eyes in disbelief. "we need a full set of abdominals, " the attending nurse said. i'd just won the triple crown. i was in the most pain i'd ever been in, i was wretched with nausea and i was in a state of complete exhaustion - and now they were going to toss my body around a hard table for a half an hour. a week earlier i couldn't cry when they made me sit up. i'd gotten over that. i wept hard as they moved me around. when they were done and they moved me back up to my room, i cried and cried. crying was supposed to be a cathartic activity that makes you feel much better when it's over. not this time. i was strapped in for a long, painful nauseating day, followed by a long, painful couple of weeks, followed by a long, painful couple of months followed by a long, painful couple of years capped off with a steady diet of constant frustration. all i wanted to do was check out. andy's prediction of 24 hours was off by exactly 48 hours. i lay in bed in feverish agony for two days until my bowels.

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The law enforcement people attending the computer security seminar were getting far more than they had bargained for. "for the guys that didn't go out with us in the field, " don said, "every day we'd go back to the classroom and detail what we did. they were getting a firsthand account of everything that was going on with the case and craps gambling.
Should have mode 2. if the caustic keyword is given without mode argument, the mode defaults to on that is, 3 ; . if no caustic keyword is given, caustics default to mode 0. the globillum flag2: 1 lets the object participate in optimized generation of global illumination. global illumination is an illumination effect caused by diffuse interreflection, such as a red table bleeding red color onto an adjacent white wall. to simulate this effect, the material shader of both the table and the wall must specify photon shaders, the wall object material shader must be written to pick up global illumination light, and the light source must contain appropriate photon energy settings. for optimized global illumination simulation, the options should specify globillum 0 and the red table and white wall must have the globillum flag set. refer to the mental ray user's guide for details. the mode argument controls the global illumination mode: 1 enables global illumination casting, 2 enables global illumination receiving, 3 enables both, and 0 neither. the default is specified by the options. off means that the object is invisible to global illumination photons, and on the default ; enables global illumination interactions with this object. in the table example, the red table should have at least ; mode 1 and the white wall should have at least ; mode 2. if the globillum keyword is given without mode argument, the mode defaults to 3 ; . object is very complex, it may be desirable to set only the visible flag but not the globillum flag, and create a second object that resembles the first one but is much simpler and set the globillum but not the visible flag on it. the effect is that the object appears unchanged, but simulation of global illumination is faster since a simpler object is used. the tag specifies an arbitrary 32-bit number that identifies the object. mental ray normally uses the term label, but the keyword tag is retained for backwards compatibility. the term tag is used by mental ray to identify entries in the scene database; this is of concern only to shader writers. by specifying an appropriate output statement in the camera see above ; , it is possible to cause mental ray to write a label file that, for each pixel, contains the label code of the object that the camera ray hits first. exactly which label is stored is under the control of the material shader; using the label of the foremost object regardless of reflections and refractions is merely the default behavior. the basis list is a list of bases to be used in free-form surface descriptions. only curves and surfaces use bases. for a list of supported bases, see section 4.7.8.1. the defined bases can be used in all groups that follow, until the end of the object. finally, a list of object groups contains the actual geometric representation. the decision whether to put all geometry into a single object group or to use different groups for different geometric entities is of importance only for free-form surfaces. if two surfaces appear in the same group, they may be connected if the appropriate connect statements are used see below ; or if adjacency detection edge merging ; takes place. surfaces in different groups cannot be connected. connecting surfaces means that they will be approximated such that there is no crack between them; they will form one continuous combined surface in the range of the connection. the merge epsilon that can be specified in the group determines the maximum gap between two surfaces that still leads to the automatic connection of both surfaces. the smaller the epsilon, the closer any two surfaces must be to become merged. the results of automatic edge merging depends on a judicious choice of the merge epsilon. by default, the merge epsilon is 0.0, so no edge merging is computed. generally, it is recommended to use only a single object group in any object and create multiple objects instead because mental ray will split multigroup objects into multiple single-group objects internally anyway, and explicit objects allow more control. at the end of each object group, approximation statements can be given that control the tessellation method. they are valid for both polygonal and free-form surface object groups. in polygonal object groups, the approximation is used only for polygons whose material contains a displacement shader. free-form surfaces are always controlled by their approximations; see page 106 for details.

Four games without scoring harris should get his turn and then we will see whether he as got it or not. he certainly deserves his chance, without everyone waiting for him to fail so they can say, 'told you so'. paul jones stevenage, herts right man for the job it seems everyone has gone quiet on dennis wise after the past two games. i can't believe people were actually suggesting he should be sacked. the funny thing is, some didn't actually have the guts to say it outright, they were busy singing his song on saturdays and 'he did take us to the cup final.' oh, i know, let's say ray wilkins should be sacked instead. what absolute mugs. you only had to see wisey's face when he came off the pitch after we beat sunderland. it meant everything to him, just as it does muscat, who is always first up the south stand to clap. a couple of wins and everyone shuts up. boring football this, crap football that. he is trying to rebuild after the mess mark mcghee left us in. the signing of scott dobie is the biggest since paul shaw and it's more important for the team confidence than fans. that's good management. dennis cannot play in an orthodox 4-4-2 because he patently hasn't got the legs anymore. he even admits this by consistently playing someone to do much of his donkey work alongside him. but it's because others aren't good enough that he is having to do the job. i'm sure he would love to take a back seat and let starvin' marvin take his place, but he don't want to risk losing out in a season that the division looks crap. have faith lions. john terry not that one ; eltham too many cooks i know managers can't pick and choose when players become available, but the signing of scott dobie has created a massive problem for dennis wise. we now have; scott dobie, barry hayles, danny dichio, jo tessem, neil harris, ben may, john sutton, kevin braniff, bob peeters, joe healy, mark mccammon and paul ifill competing for the strikers places. tessem will presumably go back to southampton in january, but he wants to sign so depending on who wise can offload he may yet sign as well. the youngsters; may, sutton who is away for the season anyway ; , braniff and healy will put up with not playing, and if any are still here next summer they might get another chance. mark mccammon has already said that he won't and has slapped in a transfer request. it's a shame really because he's got a lot of spirit but he doesn't look good enough at this level. and if he is, his injury record isn't impressive enough to rely on him. peeters is injured long term and with a hundred year contract and no-one wanting him and craps systems.

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First place . screw this "rule by the people" crap . monarchies, and their mor e iron-clad counterpart, tyrannies, are th e way to go . the more you have to rely on the idiotic voting decisions made by kletus s . yokel who, more than not, lives smack-dab in the middle of buttfuck, nowhere, where he farms dirt and raise s a scabrous and squabbling horde o f noisy and illiterate progeny ; , the more likely it is that big fat grain subsidies get handed out by parliament, to the detriment of such "useless" services such a s health care or education which, incidentally, works well to create more moron s of kletus' ilk . i mean, face it . all forms of politics are unfair. some groups will always hav e more freedom and benefits than other s largely through the rigorous and systematic oppression of said other groups ; . monarchies are just more honest abou t this oppression . those at the top choose the kinds and numbers of people wh o are fit and deserving to serve as their direct underlings, and thus live in the lap of luxury or, at the very least, th e crotch ; . the rest of the wasters can go mine for gold or harvest lumber and build farms in order to support the vas t infrastructure and economic requirements of said monarchy. the way i figure it, university life is on e the best ways to prepare oneself for a life within a feudal system . frosh are treated like peons or gypsies -- despised and unwanted by all save the foolish , degenerate or desperate ; , lorded over, b y those of higher peerage, the long-time seniors, ta's, grad students an d untenured instructor-type people . these, in turn, pledge allegiance to their sponsors, the various lab directors who mak e up the body of the tenured professorship . and ranking above even thes e august personages are the department heads, deans, vice presidents, and, finally, at the very top of this unstable totem-pole of human allegiance, lie s none other than the president hersel f ever notice that the really dangerou s monarch-types tend to be female? the queen, iron maggie thatcher, and that ghandi chick over in india . it must be.
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