Friday, June 20, 2008
Bank offer has strings attached
Today we'll examine a credit card option that banks say will protect you from calamitous circumstances, such as losing your job or becoming disabled, but that consumer advocates say could be a waste of money.
We'll also look at the perennial hazard of getting signed up for something you never intended to sign up for -- a recurring problem for people who don't (or can't) read and understand the fine print of many offers.
Carmel resident Carol Bergere, 61, had a run-in with this problem the other day when an envelope arrived in the mail from JPMorgan Chase, which has issued plastic to her and more than 100 million other consumers.
As it happens, Bergere wasn't around when the mail was delivered. But her 60-year-old husband, a former attorney who suffers from dementia, was.
He opened the envelope from Chase and found, pleasantly enough, a check for $20. So what did he do? He made his way to the local Wells Fargo branch and promptly deposited the check into the family account.
Bergere returned home later to find the promo letter that had accompanied the check. It disclosed that by accepting the $20, her husband was actually enrolling in something called the Chase Payment Protector Plan.
"This is why we tell our kids not to talk to strangers," Bergere said. "They're offering candy to get you into the program. But once you're in, you could end up paying money you didn't think you'd be paying."
Like similar programs offered by other leading card issuers, the Chase plan is an insurance offer that allows cardholders to defer payments for up to two years if trouble should arise.
The cost is 89 cents for every $100 in outstanding balance, automatically deducted each month from your plastic.
According to the Federal Reserve, nearly half of all U.S. households now carry a credit card balance from month to month, with the average amount owed running $5,100.
Under Chase's insurance plan, this would result in a monthly payment of about $45, or $540 a year. This appears to be the priciest cost of all leading card issuers.
Bank of America and Wells Fargo each charge 79 cents per $100 in balance owed. But both banks' insurance plans are good for just 12 months of payment deferrals.
Citibank charges 85 cents per $100 in balance for up to two years of deferred payments.
Jessica Iben, a Chase spokeswoman, said the insurance is intended to help consumers through difficult times.
"It adds an extra security precaution," she said. "If something unexpected comes up, you're protected."
The Internet is bristling with complaints from people who say they found themselves enrolled in Chase's Payment Protector Plan without first giving permission.
Iben responded that the bank doesn't operate this way. "We would never sign someone up for something they didn't authorize," she said.
'Totally deceptive'
Be that as it may, consumer advocates say people can easily get caught in unwanted (and costly) programs due to the way many such things are marketed.
"Sending people a check is a totally deceptive way to sell a product," said Linda Sherry, a spokeswoman for Consumer Action. "If you want to sell a product, send a nice brochure explaining why it's a good deal. You shouldn't have to trick people into buying it."
Because of his illness, Bergere's husband is easily fooled by aggressive marketing. But Sherry said the enrollment-by-check approach has proven highly effective as well on consumers who don't have dementia.
Senior citizens and others on a fixed income often find themselves signed up for programs they didn't intend to join, she said.
The Consumer Federation of America estimates that people pay about $6 billion annually for various types of credit insurance, including for credit card payments.
The organization says the "loss ratio" for credit insurance -- the amount paid in monthly premiums versus the amount paid out in claims -- is well below industry averages for other forms of coverage.
The loss ratio of car insurance, for example, historically runs about 65 percent, or 65 cents received in claims for every dollar in premiums paid.
In a 2001 study, the Consumer Federation found that the loss ratio for credit insurance is closer to 34 percent, or 34 cents on the dollar.
"By almost every measure, consumers are paying far too much for credit insurance," said Travis Plunkett, the group's legislative director. "The research shows very clearly that credit insurance is a very bad value."
(For regulatory reasons, many lenders are replacing credit insurance with so-called debt suspension agreements. From the consumer's perspective, the two are virtually identical. The key difference is that credit insurance is overseen by state authorities; the feds look after debt suspension agreements.)
Money in the bank
For card issuers, credit insurance can be a hugely profitable sideline. "It's extremely lucrative for the insurers, much more so than other types of insurance," Plunkett said.
Sherry at Consumer Action said this explains why companies like Chase would actually pay people $20 to sign up for the coverage. "It's worth it for the companies over the long run," she said.
As an alternative, both she and Plunkett recommend that consumers sock away extra cash into a savings account or money market fund.
This way, they can have some money set aside to immediately pay down credit card debt should trouble arise, instead of paying premiums each month just to put off making card payments.
"There are so many better things you can do with $45 a month than some pie-in-the-sky insurance product," Sherry said. "You're much better off paying the money to your balance. That's a really good way to bring it under control."
Scotiabank expands relationship with India's HDFC Bank to offer services
June 19, 2008 - 20:51
THE CANADIAN PRESS
TORONTO - Scotiabank (TSX:BNS) is linking up with HDFC Bank in India to expand financial services to Indian citizens immigrating to Canada.
Canada's most international bank said Thursday the deal will enable referrals for customers in Canada and India, subject to local banking
A formal agreement between the two banks is expected to be signed shortly.
The agreement with HDFC Bank "will enable Scotiabank to reach out to people in India who are immigrating to Canada and, at the same time, provide our customers in Canada with a referral to one of the leading financial institutions in India," Sabi Marwah, chief administrative officer of Scotiabank, said at a multicultural gathering hosted by the bank.
HDFC Bank has a network of 1,167 branches across India.
Scotiabank is one of several Canadian banks and financial companies which have been expanding their presence in China, India and other rapidly growing Asian countries, that already have strong ties to Canada's immigrant communities.
Earlier this year, Royal Bank, Canada's largest bank, entered the Indian market with the opening of its first representative office in the financial hub of Bandra Kurla, Mumbai.
Royal, which operates under the RBC banner, said it plans to use the new office to provide capital markets products and services, wealth management for wealthy individuals and correspondent banking and trade finance services to Indian banks.
It also wants to cash in on growing financial links between Indo-Canadians and their former country.
People from India comprise the second highest Asian immigrant population in Canada after China, with 155,000 immigrants from India between 2001 and 2006.
"Through our relationship with HDFC Bank, we will be able to start a conversation with people coming to Canada before they leave home," said Rania Llewellyn, Scotiabank's vice-president of multicultural banking.
"At the same time, this relationship should enable Scotiabank to refer customers to one of India's largest private banks, with a solid reputation for excellence."
Scotiabank, with more than 60,000 employees, operates around
THE CANADIAN PRESS
TORONTO - Scotiabank (TSX:BNS) is linking up with HDFC Bank in India to expand financial services to Indian citizens immigrating to Canada.
Canada's most international bank said Thursday the deal will enable referrals for customers in Canada and India, subject to local banking
A formal agreement between the two banks is expected to be signed shortly.
The agreement with HDFC Bank "will enable Scotiabank to reach out to people in India who are immigrating to Canada and, at the same time, provide our customers in Canada with a referral to one of the leading financial institutions in India," Sabi Marwah, chief administrative officer of Scotiabank, said at a multicultural gathering hosted by the bank.
HDFC Bank has a network of 1,167 branches across India.
Scotiabank is one of several Canadian banks and financial companies which have been expanding their presence in China, India and other rapidly growing Asian countries, that already have strong ties to Canada's immigrant communities.
Earlier this year, Royal Bank, Canada's largest bank, entered the Indian market with the opening of its first representative office in the financial hub of Bandra Kurla, Mumbai.
Royal, which operates under the RBC banner, said it plans to use the new office to provide capital markets products and services, wealth management for wealthy individuals and correspondent banking and trade finance services to Indian banks.
It also wants to cash in on growing financial links between Indo-Canadians and their former country.
People from India comprise the second highest Asian immigrant population in Canada after China, with 155,000 immigrants from India between 2001 and 2006.
"Through our relationship with HDFC Bank, we will be able to start a conversation with people coming to Canada before they leave home," said Rania Llewellyn, Scotiabank's vice-president of multicultural banking.
"At the same time, this relationship should enable Scotiabank to refer customers to one of India's largest private banks, with a solid reputation for excellence."
Scotiabank, with more than 60,000 employees, operates around
Former Bank General Counsel’s Statement Challenges Wolfowitz’ ‘Recusal’
Former Bank General Counsel’s Statement Challenges Wolfowitz’ ‘Recusal’
WASHINGTON - May 1 – Today the Government Accountability Project (GAP) is pointing out that the statement presented yesterday by Roberto Dañino, former World Bank General Counsel, to the Ad Hoc Committee investigating rule violations by President Paul Wolfowitz directly challenges Wolfowitz’ basic defense. Wolfowitz and his attorneys assert that he acted in “good faith” in trying to recuse himself from the matter involving Shaha Riza, his companion, who also worked at the Bank. The Dañino statement details that Wolfowitz, through his attorney, defined his own recusal as an offer only not to interfere in personnel matters (which would not have concerned him anyway) while maintaining unrestricted ongoing professional contact with Riza. This offer did not constitute recusal under Bank rules or in any commonly understood sense of the term and as a result, it was rejected by the ‘Deans’ of the Bank Board. The full statement of Dañino to the Board can be found on GAP’s Web site at: http://www.whistleblower.org/doc/2007/Daninostatement.pdf Dañino sets out the step-by-step actions that he took as General Counsel when dealing with the Riza affair. Step four details his original recommendations to Wolfowitz’ legal team regarding the best options for a fair and legal solution to the Wolfowitz/Riza problem. Dañino refers to Shaha Riza as SR and Paul Wolfowitz as PW. His lawyer is Robert Barnett (RB) of Williams & Connolly:4. In the discussion with his [Wolfowitz’] lawyers, I indicated to them that SR would need to be removed from any position having a direct or indirect reporting line to PW. This could be achieved through termination with compensation, external secondment at the Bank's expense, or reassignment to one of the Bank units not reporting to the President, i.e., Administrative Tribunal, Evaluation Office, Inspection Panel or Executive Directors' offices.In step five Dañino reports Barnett’s response, proposing a ‘recusal’:5. PW's attorney rejected these alternatives and I believed had proposed instead to cure the conflict by having PW (i) recuse himself from all professional contact with SR and (ii) recuse himself from all personnel actions regarding her (emphasis added).Step six details how Dañino attempted to clarify to Barnett what he understood the term ‘recusal’ to mean, namely that Wolfowitz would have no future involvement with Riza in matters related to professional or personnel actions.6. Before submitting this matter, amongst others relating to his contract, for the consideration of the Deans[of the Board], I communicated in writing to RB my understanding of the above proposal, i.e., PW's recusal from both professional contact and personnel actions.Step seven explicitly states, quoting Barnett, that Wolfowitz rejected the General Counsel’s interpretation of his ‘recusal,’ and insisted on continued professional contact with Riza: 7. RB responded that PW's "RECUSAL PROCESS WOULD NOT -- I REPEAT, NOT -- INVOLVE RECUSAL FROM PROFESSIONAL CONTACT" with SR.Step eight shows that Dañino communicated this proposed ‘recusal’ to the Deans, who decided, with his counsel, that the proposal represented a violation of Bank rules prohibiting supervision of one partner or spouse by another. The board then identified for Wolfowitz and his attorney the specific rule that their proposed ‘recusal’ violated:8. I communicated this to the Deans who determined, correctly, in my view, that the proposal was insufficient because insisting in ongoing professional contact violated Bank rules. They noted that spouses and domestic partners are required (Staff Rule 4.01, paragraph 5.02) to be excluded from any position with a direct or indirect reporting relationship or professional contact with the other spouse or partner, and that neither can be involved in any personnel actions related to the other.In step nine Dañino states that he informed Barnett that Wolfowitz’ proposal had been rejected by the Board.9. I informed RB that under the Bank's rules PW's proposal was unacceptable, and that the problem was not with respect to his recusal from personnel matters but rather insistence on maintaining ongoing professional contact with SR. Step 10 then details how Wolfowitz insisted his proposal be referred to the Ethics Committee in light of the rejection. 10. PW insisted on his proposal to maintain ongoing professional contact and formally requested that the matter be referred to the Ethics Committee for resolution.Later on in his statement, Dañino himself takes issue with Wolfowitz’ definition of “recusal,” showing how the President “wish[ed] not to comply with Bank rules.” Further, Dañino argues that Wolfowitz’ selective provision of documents to the Ad Hoc Committee concerning these communications has been carefully orchestrated to mislead.24. The first excerpt mentions my mail to RB asking him to confirm that the President would agree to recuse himself both from professional contact and from personnel actions. However, the selected statements omit his reply which expressly indicated that the President "would not -- I repeat, not involve recusal", from professional contact with SR. The omission thus presents a half-truth that misleads the reader and hides PW's wish not to comply with Bank rules.To illustrate how Wolfowitz and his lawyers have used Wolfowitz’ attempted “recusal” as a defense, one can look at an April 27 Washington Post article quoting Robert Bennett, now representing Wolfowitz, who stated:We look forward to the opportunity to show that Mr. Wolfowitz acted in completely good faith and sought recusal in the matter, with the recusal request denied by the ethics committee.“Wolfowitz and Bennett are engaging in word play with the term ‘recusal’ in order to deceive the public about what really happened. The fact is that Mr. Wolfowitz never intended to end professional contact with Shaha Riza. Wolfowitz’ ‘recusal’ was nothing of the kind,” said Bea Edwards, GAP International Program Director.Government Accountability ProjectThe Government Accountability Project is the nation’s leading whistleblower protection organization. Through litigating whistleblower cases, publicizing concerns and developing legal reforms, GAP’s mission is to protect the public interest by promoting government and corporate accountability. Founded in 1977, GAP is a non-profit, non-partisan advocacy organization with offices in Washington, D.C. and Seattle, WA.
WASHINGTON - May 1 – Today the Government Accountability Project (GAP) is pointing out that the statement presented yesterday by Roberto Dañino, former World Bank General Counsel, to the Ad Hoc Committee investigating rule violations by President Paul Wolfowitz directly challenges Wolfowitz’ basic defense. Wolfowitz and his attorneys assert that he acted in “good faith” in trying to recuse himself from the matter involving Shaha Riza, his companion, who also worked at the Bank. The Dañino statement details that Wolfowitz, through his attorney, defined his own recusal as an offer only not to interfere in personnel matters (which would not have concerned him anyway) while maintaining unrestricted ongoing professional contact with Riza. This offer did not constitute recusal under Bank rules or in any commonly understood sense of the term and as a result, it was rejected by the ‘Deans’ of the Bank Board. The full statement of Dañino to the Board can be found on GAP’s Web site at: http://www.whistleblower.org/doc/2007/Daninostatement.pdf Dañino sets out the step-by-step actions that he took as General Counsel when dealing with the Riza affair. Step four details his original recommendations to Wolfowitz’ legal team regarding the best options for a fair and legal solution to the Wolfowitz/Riza problem. Dañino refers to Shaha Riza as SR and Paul Wolfowitz as PW. His lawyer is Robert Barnett (RB) of Williams & Connolly:4. In the discussion with his [Wolfowitz’] lawyers, I indicated to them that SR would need to be removed from any position having a direct or indirect reporting line to PW. This could be achieved through termination with compensation, external secondment at the Bank's expense, or reassignment to one of the Bank units not reporting to the President, i.e., Administrative Tribunal, Evaluation Office, Inspection Panel or Executive Directors' offices.In step five Dañino reports Barnett’s response, proposing a ‘recusal’:5. PW's attorney rejected these alternatives and I believed had proposed instead to cure the conflict by having PW (i) recuse himself from all professional contact with SR and (ii) recuse himself from all personnel actions regarding her (emphasis added).Step six details how Dañino attempted to clarify to Barnett what he understood the term ‘recusal’ to mean, namely that Wolfowitz would have no future involvement with Riza in matters related to professional or personnel actions.6. Before submitting this matter, amongst others relating to his contract, for the consideration of the Deans[of the Board], I communicated in writing to RB my understanding of the above proposal, i.e., PW's recusal from both professional contact and personnel actions.Step seven explicitly states, quoting Barnett, that Wolfowitz rejected the General Counsel’s interpretation of his ‘recusal,’ and insisted on continued professional contact with Riza: 7. RB responded that PW's "RECUSAL PROCESS WOULD NOT -- I REPEAT, NOT -- INVOLVE RECUSAL FROM PROFESSIONAL CONTACT" with SR.Step eight shows that Dañino communicated this proposed ‘recusal’ to the Deans, who decided, with his counsel, that the proposal represented a violation of Bank rules prohibiting supervision of one partner or spouse by another. The board then identified for Wolfowitz and his attorney the specific rule that their proposed ‘recusal’ violated:8. I communicated this to the Deans who determined, correctly, in my view, that the proposal was insufficient because insisting in ongoing professional contact violated Bank rules. They noted that spouses and domestic partners are required (Staff Rule 4.01, paragraph 5.02) to be excluded from any position with a direct or indirect reporting relationship or professional contact with the other spouse or partner, and that neither can be involved in any personnel actions related to the other.In step nine Dañino states that he informed Barnett that Wolfowitz’ proposal had been rejected by the Board.9. I informed RB that under the Bank's rules PW's proposal was unacceptable, and that the problem was not with respect to his recusal from personnel matters but rather insistence on maintaining ongoing professional contact with SR. Step 10 then details how Wolfowitz insisted his proposal be referred to the Ethics Committee in light of the rejection. 10. PW insisted on his proposal to maintain ongoing professional contact and formally requested that the matter be referred to the Ethics Committee for resolution.Later on in his statement, Dañino himself takes issue with Wolfowitz’ definition of “recusal,” showing how the President “wish[ed] not to comply with Bank rules.” Further, Dañino argues that Wolfowitz’ selective provision of documents to the Ad Hoc Committee concerning these communications has been carefully orchestrated to mislead.24. The first excerpt mentions my mail to RB asking him to confirm that the President would agree to recuse himself both from professional contact and from personnel actions. However, the selected statements omit his reply which expressly indicated that the President "would not -- I repeat, not involve recusal", from professional contact with SR. The omission thus presents a half-truth that misleads the reader and hides PW's wish not to comply with Bank rules.To illustrate how Wolfowitz and his lawyers have used Wolfowitz’ attempted “recusal” as a defense, one can look at an April 27 Washington Post article quoting Robert Bennett, now representing Wolfowitz, who stated:We look forward to the opportunity to show that Mr. Wolfowitz acted in completely good faith and sought recusal in the matter, with the recusal request denied by the ethics committee.“Wolfowitz and Bennett are engaging in word play with the term ‘recusal’ in order to deceive the public about what really happened. The fact is that Mr. Wolfowitz never intended to end professional contact with Shaha Riza. Wolfowitz’ ‘recusal’ was nothing of the kind,” said Bea Edwards, GAP International Program Director.Government Accountability ProjectThe Government Accountability Project is the nation’s leading whistleblower protection organization. Through litigating whistleblower cases, publicizing concerns and developing legal reforms, GAP’s mission is to protect the public interest by promoting government and corporate accountability. Founded in 1977, GAP is a non-profit, non-partisan advocacy organization with offices in Washington, D.C. and Seattle, WA.
Bank Offer For Former
Bank Offer For Former
Arafat Sweetens Offer to Former West Bank Security ChiefPalestinian leader Yasser Arafat
sweetened offer to the former West Bank security chief after meeting some officers late Saturday at his Ramallah compound. Arafat promised that Jibril Rajoub will be appointed to more important positions and will be to his (Arafat's) side in the security and political kitchen, said security officers loyal to theformer preventive security chief in the West Bank. Arafat previously appointed Rajoub governor of the West Bank city of Jenin. But Rajoub refused to accept the position. Hundreds of Rajoub's supporters demonstrated in Ramallah Saturday to protest his replacement by Zuhair Al Manasra, the former governor of Jenin. Arafat later met 10 of the protesting officers and told them that the arrangements are "temporary." During the meeting that lasted for about two hours, the officerstold Arafat that they are not satisfied with sacking Rajoub and replacing him by Al Manasra. "We don't want someone who is not a member of the preventive security to be our chief. We want either someone from the preventive security to replace Rajoub, or to bring Rajoub back," said Issa Abu Azzam, one of the officers meeting with Arafat. Arafat said he understands their situation, promising that the coming days will be much better for them, according to Sabri Tmeizi, one of Rajoub's aides. Tmeizi also said the officers reassured Arafat of their continued loyalty. "President Arafat is our father, our leader and our symbol," Tmeizin said. Arafat sacked Rajoub and Gaza Strip police chief Ghazi Jabali Thursday in a major security shakeup under a 100-day reform plan. Both the United States and Israel coerced the Palestinian National Authority, saying there would be no resumption of talks before the reforms bring a halt to Palestinian attacks. The two countries are currently demanding a new leadership otherthan Arafat to fulfill Palestinian aspirations for an independent state. Al Manasra told reporters Saturday that he would do his best as the new security chief to prevent the Palestinian youths from carrying out suicide bombing attacks into Israel
People's Daily Online --- http://english.peopledaily.com.cn/
Arafat Sweetens Offer to Former West Bank Security ChiefPalestinian leader Yasser Arafat
sweetened offer to the former West Bank security chief after meeting some officers late Saturday at his Ramallah compound. Arafat promised that Jibril Rajoub will be appointed to more important positions and will be to his (Arafat's) side in the security and political kitchen, said security officers loyal to theformer preventive security chief in the West Bank. Arafat previously appointed Rajoub governor of the West Bank city of Jenin. But Rajoub refused to accept the position. Hundreds of Rajoub's supporters demonstrated in Ramallah Saturday to protest his replacement by Zuhair Al Manasra, the former governor of Jenin. Arafat later met 10 of the protesting officers and told them that the arrangements are "temporary." During the meeting that lasted for about two hours, the officerstold Arafat that they are not satisfied with sacking Rajoub and replacing him by Al Manasra. "We don't want someone who is not a member of the preventive security to be our chief. We want either someone from the preventive security to replace Rajoub, or to bring Rajoub back," said Issa Abu Azzam, one of the officers meeting with Arafat. Arafat said he understands their situation, promising that the coming days will be much better for them, according to Sabri Tmeizi, one of Rajoub's aides. Tmeizi also said the officers reassured Arafat of their continued loyalty. "President Arafat is our father, our leader and our symbol," Tmeizin said. Arafat sacked Rajoub and Gaza Strip police chief Ghazi Jabali Thursday in a major security shakeup under a 100-day reform plan. Both the United States and Israel coerced the Palestinian National Authority, saying there would be no resumption of talks before the reforms bring a halt to Palestinian attacks. The two countries are currently demanding a new leadership otherthan Arafat to fulfill Palestinian aspirations for an independent state. Al Manasra told reporters Saturday that he would do his best as the new security chief to prevent the Palestinian youths from carrying out suicide bombing attacks into Israel
People's Daily Online --- http://english.peopledaily.com.cn/
Coriander
Coriander/Cilantro (Coriandrum sativum)Other Names: Chinese Parsley, Indian Parsley
3' Annual
Full Sun
Parts Used: Leaves, Seeds
Uses: Culinary, Medicinal
Flowers: Flowers are white in warm weather and mauve in cool weather
Planting: Germination: 65ºF for 2 weeks. Dislikes transplanting.
Notes: popular in mexican cooking and salsas as a balance to the hot peppers. Seed oil is fungicidal and antibacterial.Coriander, Coriandrum sativum is an annual herb in the family Apiaceae. The name 'coriander' in a culinary context may refer to either the seeds of the plant (used as a spice), or to its leaves (used as a herb); however, in North American countries the name Cilantro is given to the leaves. Coriander is native to southwestern Asia and west to north Africa. It is a soft, hairless plant growing to 50 cm [20 in.] tall. The leaves are variable in shape, broadly lobed at the base of the plant, and slender and feathery higher on the flowering stems. The flowers are borne in small umbels, white or very pale pink, asymmetrical, and with the petals that point away from the centre of the umbel being longer (5-6 mm) than those pointing to the middle of the umbel (only 1-3 mm long). The fruit is a globular dry schizocarp 3-5 mm diameter.
The name coriander derives from French coriandre through Latin coriandrum in turn from Greek “κορίαννον”.[1] John Chadwick notes the Mycenaean Greek form of the word, koriadnon, "has a pattern curiously similar to the name of Minos' daughter Ariadne, and it is plain how this might be corrupted later to koriannon or koriandron."[2]
Graps
Graphs and charts are great because they communicate information visually. For this reason, graphs are often used in newspapers, magazines and businesses around the world.
NCES constantly uses graphs and charts in our publications and on the web. Sometimes, complicated information is difficult to understand and needs an illustration. Graphs or charts can help impress people by getting your point across quickly and visually.Here you will find five different graphs and charts for you to consider. Not sure about which graph to use? Confused between bar graphs and pie charts? Read our:In mathematics and computer science, a graph is the basic object of study in graph theory. Informally speaking, a graph is a set of objects called points, nodes, or vertices connected by links called lines or edges. In a proper graph, which is by default undirected, a line from point A to point B is considered to be the same thing as a line from point B to point A. In a digraph, short for directed graph, the two directions are counted as being distinct arcs or directed edges. Typically, a graph is depicted in diagrammatic form as a set of dots (for the points, vertices, or nodes), joined by curves (for the lines or edges).
Wheat, Hard Red
(Wheat, Hard Red) Even though wheat is mentioned in ancient writings, it is not the same as the commercial wheat we have today. Our present day wheat is a variety of hybrid wheat grains which were developed from about 1920. From what we have learned, this hybrid wheat is more allergenic than the traditional "wheat". A 100 gram (dry) portion of wheat contains 1.9 grams of fat (17 calories), 72.7 grams of complex carbohydrate (291 calories), and 12.3 grams of protein (49 calories). (See Kamut for a detailed comparison of nutritional values between our modern day wheat and Kamut.) (Photo-left is actual size)The above recipe is in keeping with God's creation intent (Genesis 1:29-31): 'Then God said, "I give you every seed-bearing plant on the face of the whole earth and every tree that has fruit with seed in it. They will be yours for food. And to all the beasts of the earth and all the birds of the air and all the creatures that move on the ground-- everything that has the breath of life in it-- I give every green plant for food." And it was so. God saw all that he had made, and it was very good.' (NIV) Let no animal suffer or die that we may live! (d-4)
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