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Startup chirps over buggy food

Written By Unknown on Sabtu, 29 Maret 2014 | 20.25

They're low in fat and high in protein. They emit less greenhouse gas than cattle and produce 12 times as much meat for the same amount of feed. And if three Harvard alumnae get their way, they're coming to a supermarket near you.

They're insects. And, to hear Rose Wang, Laura D'Asaro and Meryl Natow tell it, they're not only the most humane way to eat meat, they're actually delicious — if you dare try them.

"We found people are much happier to eat them as long as the insects aren't in their original form," said Wang, who founded Six Foods with her former roommates last fall after graduating with a degree in psychology. "Our goal is to start getting people accustomed to insects as ingredients."

Who, after all, could resist the idea of a Chocolate Chirp Cookie, even if the key ingredient happened to be crickets?

Compared to the scorpion Wang, 22, once ate on a dare in Beijing, it sounds downright quaint. And that, D'Asaro said, may be the secret to overcoming America's aversion to bugs.

"One of the biggest issues is what to name them to make them sound more appetizing," said the 23-year-old, whose first epicurean encounter with an insect was a fried caterpillar in Tanzania. "That's why we call wax worms, for example, honey bugs, because they live in bees' nests and eat wax and honey."

On April 21, the three will launch a Kickstarter crowdfunding campaign to raise $30,000 to hire a contract manufacturer to make their first product, Chirps, or cricket chips.

"We talked to natural food stores," D'Asaro said, "but they want to see the product first."


20.25 | 0 komentar | Read More

Spurned co. seeks rail pact delay

Lawyers for spurned commuter rail operator MBCR yesterday sought a 60-day delay to the contract awarded to Keolis Commuter Services to run the commuter rail system, while MBTA lawyers maintained the bidding process was fair.

The Massachusetts Bay Commuter Railroad Co. is arguing that favoritism factored into the eight-year, $2.68 billion contract award to Keolis and said the 60-day injunction would give it time to look for more evidence in MBTA communications.

Judge Mitchell Kaplan took the injunction request under advisement. If granted, the contract takeover set for July 1 would be pushed back to September.

The rail company, which has operated the commuter rail for 12 years, also said the Keolis proposal did not meet minimum requirements, including what lawyers described as a 2-page "promise" of a security plan required under the proposal guidelines.

"MBCR thought it had to submit a plan, not a two-page promise to submit a plan," said David Bodenheimer, a lawyer for MBCR.

"The (request for proposal) is asking for a specific plan."

But MBTA lawyers refuted that claim.

"It acceptably met the stated criteria," Neil McGaraghen, a lawyer for the MBTA, said of Keolis' proposal.

The judge suggested MBCR was exaggerating its claims in the 91-page affidavit it filed in support of the injunction request.

"The affidavit is full of hyperbole, it is full of hearsay," Kaplan said. "Part of me thinks the affidavit was for an audience beyond the court."


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Volvo redefines luxury wagon

The all new 2015 Volvo V60 Sportswagon T5-E is roaring back into the U.S. luxury wagon market with a vengeance.

Don't pooh-pooh the wagon anymore, folks. This car will make a hard run for your driving affections.

The Swedish automaker behind one of the earliest crossovers, the Cross Country, and designers of a long line of wagons delivers another superb vehicle with the V60. Bolstered by a smooth riding, sport-tuned chassis, the car is a nifty combination of style, performance and utility, and this slick wagon handles more like its side- kick the S60 sedan.

The eye-catching slick body lines, angular accents and classically minimalist interior demand your attention. It's such a visual departure from the last wagon, the V70. The moment I slid into the leather-clad driver's seat and grabbed hold of the padded steering wheel, I knew I was in a special car. Add the legendary safety features such as the unibody construction and a low-speed collision-
avoidance system and I think Volvo has a winner.

Let's face it, Volvo has long made solid, good-driving cars and has always had some of the best seats in any car. The ergonomically designed seats are super- comfortable with glove-soft leather, making the driving experience all the better. The controls are right where you need them, but the labeling is not quite as intuitive as you might think. I tended to try to change the radio volume with the cruise speed controller because they looked the same.

The cargo area is pretty good and with the rear seats down it's fairly spacious.

The $35,300 E trim level is the base model that makes 240 horsepower off a 2-liter turbocharged engine. The eight-speed automatic is smooth and the front-wheel drive delivers an estimated 37 miles per gallon on the highway. There's a drop-off to 25 miles per gallon around town, but the roughly 30 mpg average is quite good. To get the all-wheel drive feature you'll have to upgrade to the 2.5-liter in-line 5 turbo or the top of the line luxury R-Spec.

Our $42,225 tester was treated to a couple of upgrades including the $2,550 Premier Plus package, which includes leather, exterior bright work, keyless entry and parking assist. Add the $1,500 Sport Package to dress up the wheels, add paddle shifters and the Blind Spot system to complete the car.

This car will be a real competitor in the luxury wagon category so BMW and Audi should be looking over their shoulders.


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Biden: Raising minimum wage is good for business

WASHINGTON — Vice President Joe Biden says raising the federal minimum wage is good for business.

Biden is delivering the White House's weekly radio and Internet address in place of President Barack Obama, who was traveling this week. He's urging Congress to pass Obama's proposed wage hike to $10.10 per hour.

Biden says fair wages generate worker loyalty, leading to higher productivity and less turnover. He says it boosts the economy by generating $19 billion in additional income for the neediest people.

Biden says raising the minimum wage also helps women, who earn less on average than their male counterparts.

In the Republican address, Rep. Jackie Walorski of Indiana is urging Obama to support the VA Management Accountability Act. She says it's a step in the right direction for helping veterans.

___

Online:

White House address: www.whitehouse.gov

GOP address: www.speaker.gov


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Health law legacy eludes Obama as changes sink in

WASHINGTON — As a roller-coaster sign-up season winds down, President Barack Obama's health care law has indeed managed to change the country.

Americans are unlikely to go back to a time when people with medical problems could be denied coverage.

But Obama's overhaul needs major work of its own if it is to go down in history as a legacy achievement like Medicare or Social Security.

Major elements of the Affordable Care Act face an uncertain future:

—As a 6-month-long sign-up season comes to an end Monday the administration's next big challenge is to make 2015 open enrollment more manageable for consumers unaccustomed to dealing with insurance jargon. There's also concern premiums will rise next year.

—The new insurance markets created by the law are anything but customer friendly. After the HealthCare.gov website finally got fixed, more than 6 million people have managed to sign up, allowing the exchanges to stay afloat economically. But many consumers have bought policies with restricted access to top-tier hospitals and the latest medications. The website is seeing heavy traffic this weekend, and consumers may encounter a wait or last-minute glitches.

—Nearly half the states are still opposed to or undecided about the law's expansion of Medicaid, the government's health insurance program for the poor. As a result, millions of low-income people who otherwise would have been covered remain uninsured.

—This year's pitch has been about the "carrots" in the law: subsidies and guaranteed coverage. But the "sticks" are just over the horizon: collecting penalties from individuals who remain uninsured and enforcing requirements that medium- to large-sized employers provide affordable coverage.

Many basic facts about the ultimate effects of the health insurance program remain unclear. It's not known how many of those who have gotten coverage were previously uninsured — the ultimate test of the law. Independent measurements by Gallup do show fewer uninsured Americans, but such progress hasn't won hearts and minds. The public remains deeply divided, with opponents of the law outnumbering supporters.

At a recent insurance industry conference, a top administration official acknowledged the huge job still ahead.

"The No. 1 thing that probably we've all learned from 2014 is that this is hard work," said Gary Cohen, outgoing director of the Center for Consumer Information and Insurance Oversight, the agency created to carry out the health care law. "It's not a one-year project; it's a multiyear project ... we're asking a lot, frankly, of consumers," he added. "This is new for them."

Among those consumers is Dan Luke of St. Paul, Minn., the owner of a small video production company who had been uninsured since he was turned down for coverage last year due to a pre-existing condition. The condition? Luke was born with one eye due to a birth defect, and he uses a glass eye.

"For 63 years I've had one eye," said Luke. "They had to dig deep to find that."

He's happy with the coverage he and his wife have bought; they're saving $300 a month on premiums compared with the last time they had insurance. But he said he had to endure weeks of website run-arounds.

"There is a lot of bureaucracy involved," said Luke. "It's sort of like taxes, filled with loopholes and pitfalls. They should make it easier for people to get insurance and pay for insurance, rather than have to prove so many things and jump through so many hoops."

Those comments echo sentiments broadly reflected in national opinion polls. Most Americans want lawmakers to fix the problems with the health care law, rather than scrapping it. A new AP-Gfk poll finds that only 13 percent expect the law will be completely repealed. Seventy-two percent say it will be implemented with changes, whether major or minor.

Republicans have again made repeal of "Obamacare" their official battle cry this election season. But even if the GOP wins control of the Senate and Congress were to repeal the law next year, the president would veto it. Opponents would then need a difficult two-thirds majority in both chambers to override Obama's veto.

"It's going to depend on the next couple of elections whether we stick with the current ACA models," said Brookings Institution health policy expert Mark McClellan, who oversaw the rollout of the last major federal coverage expansion, the Medicare prescription drug benefit.

"We are still a long way from a stable market and from completing implementation," he said. But "we're not going back to people with pre-existing conditions having no good options."

The administration will have to get to work quickly on a plan for next year. It is still struggling with such basics as providing consumers with clear information about the process and their options.

Until now, those signing up have skewed toward an older crowd. That could lead to higher premiums next year, making the program a harder sell for younger people.

Some Democratic lawmakers who voted for the law are frustrated.

"Instead of just circling the wagons against all the political arrows that are shot against this plan, we need a little more accountability, and we need to ensure the next enrollment period is not handled as poorly as the last one," said Rep. Lloyd Doggett, D-Texas.

DeAnn Friedholm, health reform team leader for Consumers Union, said her group still supports Obama's overhaul, but with concerns.

"The jury is out in terms of its long-term success," she said. "We still think it's better than the old way, which left a lot of people out because they were sick."


20.25 | 0 komentar | Read More

H&M withdraws vest over anti-Semitism controversy

Written By Unknown on Jumat, 28 Maret 2014 | 20.25

PARIS — Fashion retailer H&M has pulled a vest from its shelves worldwide after accusations its design, which featured a menacing skull in the center of a Star of David, was anti-Semitic.

The menswear item, which was withdrawn this week following complaints, was also destined for sale in Israel, where the retailer has 14 stores.

H&M, a Swedish company, said in a statement Friday: "We are sincerely sorry if the T-shirt print has offended anyone, it was not our intention to provoke such a reaction."

European Jewish Congress President Moshe Kantor welcomed the garment's withdrawal, calling it a "thoughtless and insensitive design."

Kantor said he hoped "that the symbols of the Jewish People will be given the same care as those of other minority groups."


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Former gas co. reborn as luxury apartments

The Arlington is the latest luxury apartment offering to open in Boston, but unlike its competitors' complexes, this is not a new building.

The Park Square rental complex at Arlington Street and Columbus Avenue in Bay Village has been carved out of a 1927 Renaissance Revival building.

Built for the Boston Consolidated Gas Co., it was part of the University of Massachusetts Boston campus in the 1960s and 1970s, and more recently it housed the Boston Renaissance Charter School.

With its limestone facade and two-story arched windows, the building — co-developed by New York's Related Cos. and Boston's Congress Group — cuts an elegant figure. The lobby, once used to display gas stoves, has refinished marble columns and brass detailing along with new white marble floors — and a gas fireplace tucked in one corner.

The $100 million LEED Silver makeover of the 14-story building has created 128 one- and two-bedroom apartments, with rents starting at $3,200 for one-bedrooms and $6,200 for a two-bedroom. Top floor two-bedroom units with 1,600 square feet are renting for more than $8,000 a month.

We took a look at several model apartments. Unit 12G, a 700-square-foot one-bedroom with great Back Bay views rents for $3,700 a month and Unit 12K, a more spacious 900-square-foot one-bedroom with Park Square and downtown views is going for $4,300 a month.

The units have condo-quality finishes, including white-oak hardwood floors, walnut cabinets, polished marble countertops and high-end Kitchen Aid appliances. Bathrooms have white marble floors and white tile tubs and showers. Each unit comes with a stacked Bosch washer and dryer and customized closets

Unlike many of its high-end apartment competitors, The Arlington does not charge monthly fees for pets, and rent includes resident-controlled heat and air conditioning and water. Everything is electric, ironic for a building that was formerly a gas company.

One thing the building doesn't have is parking but tenants can lease garage spaces at the nearby Revere Hotel for $299 a month.

The Arlington has 20,000 square feet of common space amenities. There's a basement basketball court, carved out of a former school auditorium, flanked by a fitness center on one side and a club/game room on the other. There's a second-floor party room and even an on-site pet-washing station.

In May, the Liquid Art House, an upscale hybrid restaurant/art gallery, will open a 180-seat restaurant on the ground floor, which will also provide room service for tenants. There's also Zipcar, bike-sharing and concierge services.

Related says it has leased almost 20 percent of the units. "Renters like the fact that we are closer to Newbury Street, the Theatre District and three blocks from the Public Garden," said Ellen Kang of Related Rentals, who does the leasing at The Arlington.

Kang said the complex is drawing young professionals who work in the area as well as empty-nesters looking for a pied-a-terre in the city.

"The building has a boutique quality as well as a lot of character," Kang said. "I think it will lease up in three to four months."


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McDonald's offering free coffee amid breakfast war

NEW YORK — McDonald's is giving away free coffee to its customers for a limited time as competition for the breakfast crowd intensifies.

The world's biggest hamburger chain announced Friday that participating U.S. locations will offer free small McCafe coffees during breakfast hours from March 31 through April 13.

The announcement comes as Taco Bell rolls out ads to promote its new breakfast menu, which includes a waffle taco. The ads star everyday men that happen to be named Ronald McDonald.

Chains like McDonald's, Taco Bell and Starbucks — which recently revamped its sandwiches — are all fighting for a piece of the breakfast market because people are increasingly buying breakfast on the go.

McDonald's Corp.'s McCafe product line, which also includes iced coffees and other drinks, debuted in the U.S. in 2009.


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Indiana's Paul George joins Gatorade team

INDIANAPOLIS — Paul George is joining a new All-Star team.

On Friday, Gatorade will introduce the Pacers' budding star as its newest NBA spokesman in a lineup that already features prominent athletes such as Heat guard Dwyane Wade, Denver Broncos quarterback Peyton Manning, tennis star Serena Williams and Yankees shortstop Derek Jeter.

In a video for the ad titled "Slam," George spins away from an opponent, takes off from the free throw line and dunks the ball — with the sports drink streaming off him the whole way.

For George, it's a major breakthrough on the business side because he plays in one of the NBA's smallest television markets.

But the 23-year-old shooting guard began the transition last year after being selected to play in his first All-Star Game. He helped the Pacers push Miami to seven games in the Eastern Conference finals and was later named the league's Most Improved Player. In September, Indiana rewarded George with a five-year max contract that could pay him as much as $90 million.

Since then, George has continued to excel.

He was elected as an All-Star starter last month and entered Wednesday night's game against Miami ranked 11th in the league in scoring.

The ad's debut comes two days after George scored 23 points and had two monster dunks to help rally the Pacers (52-20) from a seven-point, fourth-quarter deficit to beat the two-time defending champion Heat 84-83. The win gave Indiana a three-game lead over Miami in the chase for the top seed in the Eastern Conference playoffs.

___

On the web: https://www.youtube.com/watch?v=xq3vh3ILt6s&feature=youtu.be


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Poll: Obama health law fails to gain support

WASHINGTON — Public support for President Barack Obama's health care law is languishing at its lowest level since passage of the landmark legislation four years ago, according to a new poll.

The Associated Press-GfK survey finds that 26 percent of Americans support the Affordable Care Act. Yet even fewer — 13 percent — think it will be completely repealed. A narrow majority expects the law to be further implemented with minor changes, or as passed.

"To get something repealed that has been passed is pretty impossible," said Gwen Sliger of Dallas. "At this point, I don't see that happening."

Sliger illustrates the prevailing national mood. Although a Democrat, she's strongly opposed to Obama's signature legislation. But she thinks "Obamacare" is here to stay.

"I like the idea that if you have a pre-existing condition you can't be turned down, but I don't like the idea that if you don't have health insurance you'll be fined," said Sliger.

The poll was taken before Thursday's announcement by the White House that new health insurance markets have surpassed the goal of 6 million sign-ups, so it did not register any of the potential impact of that news on public opinion. Open enrollment season began with a dysfunctional HealthCare.gov website last Oct. 1 but will end Monday on what looks to be a more positive note.

Impressions of the health care rollout while low, have improved slightly.

While only 5 percent of Americans say the launch of the insurance exchanges has gone very or extremely well, the number who think it has gone at least somewhat well has improved from 12 percent in December to 26 percent now. The exchanges offer subsidized private coverage to people without a plan on the job.

Of those who said they or someone in their household tried signing up for coverage, 59 percent said there were problems.

Repealing the health care law is the rallying cry of Republicans running to capture control of the Senate in the fall congressional elections. The Republican-led House has already voted more than 50 times to repeal, defund or scale back "Obamacare," but has been stymied in its crusade by Democrats running the Senate.

Thursday, five Democratic senators and one independent — three facing re-election — introduced a package of changes to the law that seems calibrated to public sentiment. One of their major proposals would spare companies with fewer than 100 employees from a requirement to provide coverage to their workers. The current cutoff is 50.

The poll found that 7 in 10 Americans believe the law will be implemented with changes.

Forty-two percent think those changes will be minor, and 30 percent say they think major changes are in store.

Combining the 42 percent who see minor changes coming and 12 percent who say they think the law will be implemented as passed, a narrow majority of 54 percent see either tweaks in store, or no changes at all.

Larry Carroll, 64, a church deacon from Cameron, W.Va., says he would like to see major changes — but he doesn't have high hopes.

"I think it's much too big a thing for the country to be taking on," said Carroll, who's strongly opposed to the overhaul.

"I don't see repeal," he added. "The federal bureaucracy simply seems to be too strong. The federal bureaucracy is like an anaconda."

Teresa Stevens, a factory supervisor from Jacksonville, Fla., said her two adult sons shopped for coverage on the health insurance exchanges and found it too expensive.

"There are so many different things they say about (the law) that are not true," she said. "It's not affordable."

A supporter of former Democratic President Bill Clinton, Stevens said the economy has soured for working people under Obama. "Everything is so expensive, not just health care," she said.

The poll found that much of the slippage for the health care law over the last four years has come from a drop in support, not an increase in opposition.

In April of 2010, soon after the law passed, 50 percent of Americans said they were opposed to it, while 39 percent were in favor. Ten percent were on the fence.

Now, just 26 percent say they are in favor, a drop of 13 percentage points. Forty-three percent say they are opposed, a drop of 7 percentage points since that poll four years ago. But the number who neither support nor oppose the law has tripled, to 30 percent.

The 26 percent in favor in the AP-GfK poll is not significantly different from the 27 percent registered in January and December.

The AP-GfK Poll was conducted March 20-24 using KnowledgePanel, GfK's probability-based online panel designed to be representative of the U.S. population. It involved online interviews with 1,012 adults and has a margin of sampling error of plus or minus 3.4 percentage points for all respondents.

Respondents were first selected randomly using phone or mail survey methods and were later interviewed online. People selected for KnowledgePanel who didn't otherwise have access to the Internet were provided with the ability to access the Internet at no cost to them.


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Stocks give up an early gain and turn lower

Written By Unknown on Kamis, 27 Maret 2014 | 20.25

NEW YORK — The stock market continued its recent pattern of one step forward, one step back.

After starting the day higher following an encouraging report on orders for manufactured goods, stocks drifted lower in afternoon trading Wednesday and gave up their gains from a day earlier. Facebook led the technology sector lower as investors gave the company's latest acquisition the thumbs-down.

The Standard & Poor's 500 index fell the most in two weeks and is now flat for the year. Investors are waiting for a catalyst that will either push the market higher or cause a sustained sell-off. Many anticipate that the stock market will resume its upward trajectory later in the year as the economy strengthens following an unusually harsh winter.

"We're going through this back and forth, I would call it a consolidation phase, digesting the huge gains we've had," said David Lafferty, chief market strategist at Natixis Global Asset Management. "Most of the movement in stocks will tend to be in the latter half of the year."

The S&P 500 fell 13.06 points, or 0.7 percent, to 1,852.56. The index is up 0.2 percent for the year, after rising almost 30 percent in 2013.

The Dow Jones industrial average lost 98.89 points, or 0.6 percent, to 16,268.99. The technology-heavy Nasdaq composite fell more than the other indexes, giving up 60.69 points, or 1.4 percent, to 4,173.58.

Facebook was one of the biggest losers.

The social media network slumped $4.51, or 6.9 percent, to $60.38 after announcing a $2 billion acquisition of virtual reality company Oculus late Monday. It was Facebook's second big acquisition in as many months. Last month the company announced that it would pay $19 billion for messaging startup WhatsApp.

Investors may be questioning whether the returns on those investments will ultimately justify the big outlays, said Lawrence Creatura, a portfolio manager at Federated Investors.

Another loser in the technology sector was King Digital Entertainment.

The online games company, which makes the popular "Candy Crush Saga," slumped on its first day of trading. The company raised $499.5 million in an initial public offering. The company's stock fell $3.50, or 15.6 percent, to $19 on its first day of trading.

The stock market opened higher after a report showed that orders to U.S. factories for long-lasting manufactured goods rose in February by the largest amount since November, 2.2 percent. Demand for airplanes and automobiles drove the gains, according to the Commerce Department report. Last month's rise in durable goods orders followed a 1.3 percent drop in January.

"The bigger issue right now is whether or not growth in the United States is going to reaccelerate as the year goes on," Paul Karos, portfolio manager at Whitebox mutual funds. "We are assuming a bounce back after this weak first quarter."

Health care companies bucked the downward trend and were the only industry sector to rise. The sector is rebounding after getting caught up in a brief sell-off of biotechnology stocks on Friday and Monday. Biotech companies slumped after lawmakers raised concerns about the prices of some drugs.

Tenet Healthcare rose $2.03, or 5.2 percent, to $40.93. Quest Diagnostic rose $3.05, or 5.6 percent, to $57.99. Hospitals and medical device companies are attractive because they have steady revenue streams.

Bond prices rose. The yield on the 10-year Treasury note fell to 2.69 percent from 2.75 percent from late Tuesday. The price of crude oil rose $1.07, or 1.1 percent, to $100.26 a barrel. Gold fell $8, or 0.6 percent, to settle at $1,303.40 an ounce.

Among other stocks making big moves:

— International Game Technology fell $1.23, or 8.3 percent, to $13.62 after the company lowered its annual profit forecast, saying North American gambling revenue has declined more steeply than it expected. Its international business is being hurt by weakening currencies and other problems.

— Discount retailer Five Below shot higher after its quarterly profit and sales beat analysts' expectations. The stock jumped $4.34, or 11 percent, to $42.34.

— Citigroup fell $2.66, or 5.3 percent, to $47.50 in after-hours trading after the Federal Reserve turned down the bank's plan to spend $6.4 billion buying back its own stock and increasing its quarterly dividend from 1 cent to 5 cents.


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Chicago firm moves toward suit over Malaysia plane

CHICAGO — Court documents that often precede a lawsuit have been filed by a U.S. law firm on behalf of a relative of a passenger on missing Malaysia Airlines Flight 370.

The filing in Chicago asks a judge to order Malaysia Airlines and Chicago-based Boeing Co. to turn over documents related to the possible "negligence" caused the Boeing 777 to crash, including any documentation about the chances of "fatal depressurization" in the cockpit.

"Additional pleadings will be filed in the next few days against other potential defendants who are designers and manufacturers of the component parts that may have failed in the aircraft," Chicago-based Ribbeck Law Chartered attorney Monica Kelly said in a statement. The documents filed Tuesday in Cook County Circuit Court seek to preserve evidence.

They were filed on behalf of Januari Siregar, who the law firm says is a relative of Indonesian-born passenger Firman Chandra Siregar. The filings were not clear about their exact relationship.

Kelly said lawyers are asking a judge to order Boeing to provide the names of companies that manufactured the locator beacon, the electric components, batteries and fire alarm systems, the emergency oxygen generators and those who last inspected the aircraft's fuselage. The law firm is also seeking from Malaysian Airlines the identities of people with information about the training of the crew; their physical and psychological evaluations; and the security practices of the airline.

Boeing spokesman John Dern declined comment. Phone and email messages were left for airline officials Wednesday.

In its corporate self-portrait, Ribbeck Law boasts of its success at obtaining compensation for the families of victims of aviation disasters. The National Transportation Safety Board complained after the crash landing of Asiana Flight 214 in San Francisco last year that some attorneys may have violated a U.S. law barring uninvited solicitation of air disaster victims in the first 45 days after an accident.

The NTSB pointed specifically at Ribbeck Law, reporting the firm to Illinois' Attorney Registration and Disciplinary Commission. It was unclear Wednesday if the agency took any action on the complaint.

At the time, Kelly said the firm legally and ethically obtained its clients related to the crash and that all initiated contact with the firm, which is representing 83 passengers of the Asiana flight.


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Millions could get extra time for health sign-ups

WASHINGTON — Millions of Americans could get extra time to enroll for taxpayer-subsidized coverage this year under President Barack Obama's health care law. That would let the administration boost sign-ups and aid Democrats under attack over the program's troubles.

The Health and Human Services Department Wednesday posted two documents that outline "special enrollment periods" for broad groups of people trying to access the new online health insurance markets.

Those who've started an application, but weren't able to finish before the March 31 open enrollment deadline, would get a limited amount of time to sign up for coverage that would take effect May 1.

Additionally, people with 10 general categories of "special" circumstances would also get extra time to apply — up to 60 days. Categories include natural disasters, system errors related to immigration status, computer error messages due to technical difficulties, family situations involving domestic abuse, and other sorts of problems.

"We won't close the door on those who tried to get covered and were not able to do so through no fault of their own," Julie Bataille, communications director for the health care rollout, told reporters.

She deflected repeated questions on whether there is a hard deadline beyond which the administration won't take applications.

Special enrollment periods are allowed under the health law, and standard for workplace insurance. But they are mainly used to accommodate changes in life circumstances, such as marriage, divorce, the birth of a child or job loss.

The latest tweaks to health overhaul rules drew immediate scorn from Republicans committed to repealing "Obamacare."

"The administration has now handed out so many waivers, special favors and exemptions to help Democrats out politically ... it's basically become the legal equivalent of Swiss cheese," said Senate Minority Leader Mitch McConnell, R-Ky.

The administration announcement added to a perception of disarray that has dogged the health care overhaul from its early days. It also raised concerns about the potential for another round of technology problems like the ones that paralyzed HealthCare.gov after its Oct. 1 launch.

Several factors seemed to be involved:

— Concern about turning away millions of people belatedly trying to enroll this week. A recent Kaiser Family Foundation poll found that 6 in 10 uninsured people were unaware of the March 31 enrollment deadline, and half said they didn't plan to get coverage. It can take several visits to the website to finish an application, even without technical glitches.

— Millions of consumers may still be getting tangled up in the complicated enrollment process. The administration's own numbers show that only about half of the people deemed eligible to enroll through March 1 actually went all the way through to signing up. More than 4 million people either abandoned their applications or may still be trying to muddle through.

— Obama himself has been leading a last-minute drive to persuade Hispanics to sign up. The nation's largest minority — with the highest uninsured rate of any race or ethnic group — has been on the sidelines and risks being left behind. Traffic on the Spanish-language sign-up site is up markedly, more than 200,000 visits from Sunday through midday Wednesday — half again as many during the same period a week earlier.

The White House is scrambling to meet a goal of 6 million sign-ups for subsidized private health insurance for people who don't have coverage on the job. HealthCare.gov got 1.2 million visits Tuesday, and officials say the site is holding up well under the added demand.

"Since the traffic started to climb, we have seen only minor issues, all of which have been addressed rapidly," said Kurt DelBene, a tech executive brought in to oversee the website.

Independent testing by Detroit-based Compuware has found that HealthCare.gov runs slowly when compared to other health insurance industry websites.

Officials said the grace period for people who've started applications by March 31 will be available on the honor system.

"It is important to recognize that this is an official federal application," said Bataille. "Most people are truthful when applying for these benefits."

How long the extension will last seems to depend on individual circumstances. HHS said it will process paper applications received by April 7. Those applying online may have more time, until April 15, the same as the tax filing deadline. People who are due tax refunds may be willing to put some of that money toward health care premiums.

The sign-up extension and the special enrollment periods follow other delays, most significantly of the law's requirements that medium- to large-sized businesses provide coverage or face fines.

Republicans are making repeal of the health care law their rallying cry in the fall congressional elections. If the various extensions succeed in boosting enrollment, that would help Democratic candidates, including politically vulnerable senators who voted for the law's passage in 2010.

The next open enrollment period isn't until Nov. 15, after the elections. Providing an option for sign-ups prior to that could give Democrats a rebuttal during the height of the campaign season that focuses on their efforts to fix the law's problems, rather than scrapping it.

The White House had signaled last week that a grace period of some sort was in the works. Officials compare it to the Election Day practice of allowing people to vote if they are in line when the polls close.

The administration's actions primarily affect the 36 states where the federal government is taking the lead on sign-ups. But the 14 states running their own websites are likely to follow, since some had been pressing for an extension on account of their own technical problems.

___

Online:

Extension for those 'in line' — http://tinyurl.com/ojpku33

Special enrollment periods — http://tinyurl.com/ofjn3sc


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Women: J&J trashed records in product injury suits

TRENTON, N.J. — Lawyers and advocates for women alleging Johnson & Johnson products injured them urged the U.S. Justice Department on Wednesday to investigate their claims the health care giant deliberately destroyed many documents critical to their lawsuits.

Corporate Action Network, a nonprofit group seeking to hold businesses accountable for their actions, said that it's written to Attorney General Eric Holder to look into whether J&J, based in New Brunswick, N.J., and CEO Alex Gorsky committed the crimes of obstructing justice and destroying records in a federal probe.

"Hundreds of thousands of women continue to suffer ongoing, severe harm," from J&J's pelvic mesh implants, network spokeswoman Levana Layendecker said during a call with reporters. "I hope Johnson & Johnson is held accountable for their failure to warn."

The implants are widely used to hike up sagging pelvic organs, common in older women and those who've had children — and often the cause of embarrassing bladder leaks when they laugh, sneeze or lift something heavy. More than 22,000 women suing J&J blame its implants for crippling pain, infections and bleeding.

Last month, U.S. District Court Judge Cheryl Eifert in southern West Virginia, who is handling most of the implant lawsuits, concluded J&J destroyed thousands of documents regarding development of its pelvic mesh implants, but said there was no proof that was done intentionally. The documents would include reports on patient testing of the mesh implants and could show whether participants suffered serious complications.

Jane Akre, founder of an online network for pelvic mesh implant "survivors," said Johnson & Johnson was aware of possible harm and didn't warn the public.

"Evidence we've presented at trial showed they knew these implants would cause complications and they just didn't care. Many women are now disabled and they can't leave their beds, they're in so much pain," she said during the conference call.

"Women have killed themselves because the pain eclipses childbirth pain, it's that bad," Akre said in an interview.

Matthew Johnson, a spokesman for Johnson & Johnson's Ethicon unit, which makes the implants, said in a statement that the company "acted appropriately and responsibly in the research, development and marketing of our pelvic mesh products," which he said are considered a "gold standard" treatment.

"Ethicon has engaged in extensive efforts to preserve and produce evidence in the pelvic mesh (federal litigation) which has led to the production of millions of pages of documents to date. In the context of Ethicon's substantial document production, the inadvertent loss of certain, limited documents has not prejudiced plaintiffs in their ability to pursue their claims," he added.

Sagging pelvic organs were fixed with traditional surgery until the late 1990s, when J&J launched the first pelvic mesh implants, a twist on a similar product long used to repair hernias. The pelvic implants, which function like a sling attached to bones to lift fallen organs back up, were billed as more effective than just stitching organs into place. Six other companies then launched rival products.

Women soon began complaining of complications so severe they can't work, need strong painkillers around the clock and now find intercourse unbearably painful. That's because the mesh, similar to a window screen, over time can dig into the exterior tissue of the vagina or bladder, causing a sensation some have likened to having barbed wire twisting inside your body.

Attorneys have been advertising heavily for potential plaintiffs in recent years, and the litigation has grown into possibly the largest mass medical injury case in the country.

Plaintiff Linda Dotson of Loudon, Tenn., told reporters that after having mesh implanted in two areas of her pelvis in 2006, she quickly developed a dangerous blood clot and then suffered hemorrhaging, severe pain, unexplained fevers, fatigue and other flu-like symptoms. She had to have a couple of surgeries to remove much of the mesh, took antibiotics for months and still suffers.

Justice Department spokeswoman Allison Price said the department is reviewing the group's letter.

Corporate Action Network said it plans to bring injured patients to speak at J&J's annual shareholder meeting on April 24.

The group also alleges that J&J has harmed other patients, particularly women, with faulty hip implants — which the company has since taken off the market amid a crush of lawsuits — and with baby and beauty products containing undisclosed toxic ingredients. Under pressure from multiple consumer and environmental groups for the past several years, J&J has begun reformulating those shampoos, skin care and other personal care products with safer ingredients.

Johnson & Johnson, the world's biggest maker of health care products, has run afoul of the federal government previously.

It's operating under an agreement requiring it to make major upgrades to three medicine factories responsible for dozens of product recalls since 2009 for problems including drugs with the wrong level of active ingredient and liquid medicines with tiny metal or glass shavings in them.

Separately, after the Justice Department joined three whistleblower lawsuits alleging Johnson & Johnson marketed some of its powerful prescription drugs for unapproved uses, the company last November paid federal and state fines of more than $2.2 billion. It also entered a five-year agreement with the government to change the way it does business, particularly disclosing more information about its research and marketing practices.

___

Follow Linda A. Johnson at http://twitter.com/LindaJ_onPharma


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Dish, DirecTV shares rise on reported merger talk

LOS ANGELES — Shares of satellite TV companies Dish and DirecTV surged in midday trading Wednesday after a report said that Dish Chairman Charlie Ergen had contacted DirecTV CEO Mike White about merging.

Bloomberg News reported Ergen initiated the discussion in response to Comcast Corp.'s pending $45 billion acquisition of Time Warner Cable Inc., which was announced last month. The news service cited several unnamed sources.

Dish Network Corp. spokesman Bob Toevs declined to comment. DirecTV spokesman Robert Mercer said the company doesn't comment on speculation.

The companies last tried to merge more than a decade ago, but the Federal Communications Commission killed the deal in 2002 because it would eliminate competition. While Ergen has long supported the two companies coming together, White has been less vocal about the matter.

White told an investors conference earlier this month, however, that the video industry has changed in the last decade, gotten more competitive because of the entry of telecommunications companies, and expects it to change more in the next five years.

Dish shares rose $3.67, or 6.3 percent, to $62.09, while DirecTV shares rose $4.17, or 5.7 percent, to $77.34.

Dish is based in Englewood, Colo., and DirecTV is based in El Segundo, Calif.


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Asian stocks muted, European markets gain

Written By Unknown on Selasa, 25 Maret 2014 | 20.25

MANILA, Philippines — Asian stock markets were muted Tuesday with little news to excite investors, but European shares and U.S. futures were mostly higher.

In early European trading, Britain's FTSE 100 was up 0.8 percent at 6,571.0 and Germany's DAX rose 0.8 percent at 9,258.50. France's CAC-40 climbed 0.9 percent at 4,314.48.

Futures augured slightly higher opening on Wall Street, with S&P 500 futures up 0.1 percent at 1,851.90. Dow Jones industrial futures edged up 0.1 percent to 16,224.

Japan's Nikkei 225 closed 0.4 percent lower at 14,423.19. Hong Kong's Hang Seng fell 0.5 percent to 21,732.32 while China's Shanghai Composite rose 0.5 percent at 2,067.31.

Benchmarks fell in Australia, South Korea, and most of Southeast Asia and were up in Taiwan, New Zealand and Malaysia.

"The general mood is somewhat expectant of stimulus measures coming out of China," said Dariusz Kowalczyk of Credit Agricole in Hong Kong. "But there's no data in the region of a sort of first tier nature and therefore we are not seeing major market moves."

Expectations China might announce stimulus spending were boosted Monday by a survey of factory purchasing managers that showed Chinese manufacturing contracted in March.

Benchmark oil for May delivery was up 24 cents to $99.84 per barrel in electronic trading on the New York Mercantile Exchange. The contract rose 14 cents to close at $99.60 on Monday.

In currencies, the euro fell to $1.3835 from $1.3836 late Monday in New York. The dollar fell to 102.16 yen from 102.25 yen.


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Friendly’s puts it on the line

Friendly's CEO John Maguire — promising a friendlier, cleaner and tastier dining experience — said he's so confident of recent improvements to the struggling 79-year-old restaurant chain he's offering customers a free meal if they're not satisfied.

The Wilbraham company rolled out its "Great Memories Guarantee" in the Boston area last week to lure back customers with the promise that Friendly's has upped its game and is now living up to its name. The offer launches chain-wide on April 29.

"We heard loud and clear that our people were not that friendly, our food was mediocre and our restaurants were dirty," said Maguire, who was hired in April 2012. "We've been on a relentless mission to really improve our guest experience. We believe we've made enough progress to put our money where our mouth is."

Friendly's has updated its menu with items such as steel-cut oatmeal, Greek yogurt, spinach salad and turkey tips. It's returned to using fresh, never-frozen burgers and haddock for its Fishamajigs, and real ice cream rather than soft-serve in its Fribbles.

The chain has remodeled 45 of its 350 locations with modern touches such as high-top tables, free Wi-Fi and updated music. It's also developing employees more, Maguire said.

"Things are going well," said Maguire, who wouldn't quantify the progress.

Friendly's risk-free guarantee is a strong one, said food industry consultant Ron Paul. Though most eateries will comp some portion of an unhappy customer's bill, nobody else is advertising it, he said. "But I think they have to advertise the food. Why is it a better place to get a burger? Menu is most important."


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Group eyes lower teen minimum wage

Staring down proposals to raise the state's minimum hourly wage from $8 to $10.50 or $11, the Retailers Association of Massachusetts is targeting a state law that gives hourly retail workers overtime on Sundays, and angling for a lower teen minimum wage.

The overtime mandate — a political trade-off for the state to relax its "blue laws" in 1980 and let stores open on Sundays — is discriminatory, according to RAM president Jon Hurst.

"No other employer group has to pay that except for retailers," Hurst said. "We would say that a minimum wage increase is ill-timed given the economic pressures, but we understand that it's going to pass, so we're just trying to mitigate it."

Hurst hopes to get the law repealed or scaled back, for example, by exempting retailers from overtime for new employees once the minimum wage is raised.

"It was necessary in those days in order to get volunteers to work on Sundays," he said, noting that's not the case today.

RAM also will push anew for a teen wage that's lower than the minimum wage. "Most states allow a slightly lower minimum wage for teenagers," Hurst said. "We literally have 50 percent less teens employed versus 15 years ago in Massachusetts."


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Gov. Patrick: $25M for 335 new Mass. housing units

BOSTON — Gov. Deval Patrick is set to announce more than $25 million in funding to help create more than 335 units of housing for veterans, the homeless and very low-income families as the state works to reduce the number of homeless families living in hotels.

Patrick planned to make the announcement Tuesday during a stop at the site of a future veterans' housing project in Haverhill.

With the anticipated announcement, Patrick says his administration has made good on his promise to create 1,000 new units of permanent, supportive housing a year ahead of schedule.

Supportive housing is designed to help individuals and families who are homeless or facing homelessness, or who are institutionalized or at-risk of institutionalization. It can include access to child care services, job training and mental-health care. It is also intended for people with disabilities and the elderly.

Patrick is also set to award more than 200 new housing vouchers on Tuesday.

The vouchers are part of the Massachusetts Rental Voucher Program and let homeless families move into existing housing developments with long-term affordability restrictions.

The nonprofit agencies that own the properties provide the families with programs they say help the families avoid falling back into a cycle of homelessness and emergency shelters, with the ultimate goal of reaching self-sufficiency.

Those services include job training, financial security, counseling, child care, addiction treatment and adult education and GED training.

The 16 projects being unveiled Tuesday include a 70-unit development for veterans including supportive services for elderly homeless veterans in Bedford, a 40-unit single-room occupancy project in Boston's Bay Village neighborhood, the rehabilitation of an existing building in Worcester into 15 single-room occupancy units, and 16 one-bedroom units for the disabled in the McKnight neighborhood of Springfield that will also serve as replacement housing for a property destroyed during the 2011 tornado.

In 2008, Patrick set the ambitious goal of virtually eliminating family homelessness in five years by better detecting when families were on the verge of falling into homelessness — and then move in swiftly with aid and support.

Five years later, record numbers of homeless families were straining the state's shelter system.

In January, about 2,000 families were forced to find temporary housing in dozens of hotels and motels across the state and approximately an equal number staying in family shelters.

Activists point to a number of reasons for the surge in homelessness, from the yearslong economic downturn to a pullback in federal aid to Massachusetts' status as a "right to shelter" place, meaning the state is obligated to find a place to stay for all those who are homeless.


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Walgreen fiscal 2Q profit drops less than 1 pct

Walgreen's fiscal second quarter earnings slipped compared with last year, as a slowdown in generic drug introductions and bad weather contributed to a performance that missed Wall Street's profit expectations.

The drugstore chain and its competitors have been helped in recent quarters by an influx of generic drugs. These cheaper alternatives to branded medicines squeeze sales but help profitability because they come with a wider margin between the cost for the pharmacy to purchase the drugs and the reimbursement it receives.

But that benefit has waned as the flood of new generic drugs seen in recent years has slowed. Walgreen Co. said Tuesday that its revenue managed to grow 5 percent in its fiscal quarter despite that challenge, severe weather that tends to keep customers away from its stores and a comparison to last year's more-severe flu season, which generated more business.

Overall, the nation's largest drugstore chain earned $754 million, or 78 cents per share, in the quarter that ended Feb. 28. That's down from $756 million, or 79 cents per share, a year ago. Adjusted earnings were 91 cents per share.

Analysts expected 93 cents per share, according to FactSet.

Its revenue rose to $19.61 billion from $18.65 billion a year ago and matched Wall Street expectations.

The Deerfield, Ill., company also said it plans to close 76 stores in the second half of its fiscal year "to optimize the company's asset base." That represents a small slice of its total of 8,210 and a big shift from its previous growth strategy, which focused on opening locations to maximize convenience for its customers.

Walgreen shares rose $2.09, or 3.3 percent, to $66.40 in premarket trading about 45 minutes before markets opened Tuesday and after the company reported its quarterly results. The stock started 2014 strong, hitting an all-time high price of $69.84 at the end of last month before retreating. Shares were up 12 percent so far this year, as of Monday's close.


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Many Mass. companies can't find skilled workers

Written By Unknown on Senin, 24 Maret 2014 | 20.25

BOSTON — A Massachusetts business group is calling for changes in the state's education system in light of a report that shows more than two thirds of the state's employers report difficulty hiring appropriately skilled employees.

The report by the Massachusetts Business Alliance for Education scheduled for release Monday says bolstering the state's public schools is viewed as a critical step in producing more workers with the right skills to succeed in a technology driven economy.

The Boston Globe (http://b.globe.com/NJhy10 ) reports that the survey, part of which is included in the 120-page report, found that 69 percent of the 334 employers who responded said they experienced difficulty hiring employees with the appropriate skills, while 84 percent said school systems require moderate to major changes.

The survey was conducted by MassINC Polling Group.

___

Information from: The Boston Globe, http://www.bostonglobe.com


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In California, chefs fight for bare-hand contact

SACRAMENTO, Calif. — As the happy hour crowd poured in on a recent weeknight, the kitchen and bar staff at Hock Farm restaurant scrambled to meet the incoming orders.

One used her hands to toss locally grown Romaine hearts with anchovy dressing in a metal bowl, while another, facing diners from behind a marble countertop, used his fingers to sprinkle cojita cheese and red onion into chicken tacos.

A gloveless bartender wedged an orange slice on the edge of a white wine spritzer.

All of them were breaking a state law that took effect in January, but won't be enforced until July.

California is a straggler in banning bare-hand contact with ready-to-eat food. A state-by-state review of food codes shows 41 other states have a version of the legislation signed last year by Gov. Jerry Brown.

In all these states, chefs and bartenders must keep bare hands off food going straight to the plate or the drink glass, from the rice in a sushi roll to the mint in a mojito. Instead, they must use utensils or gloves. Hock Farm owner Randy Paragary says bringing this rule to California disrupts well-established hand-washing routines, generates unnecessary waste and restricts his employees' in their craft.

Hearing restaurant owners echo his concerns about the law's inflexibility, state legislators are considering a reversal before inspectors begin slapping fines on eateries this summer.

Since 1993, the U.S. Food and Drug Administration has recommended a hands off approach in restaurants and bars as a staple of basic hygiene. Even with good hand-washing, it takes only a few norovirus particles — the most common cause of foodborne illness — to infect diners, the FDA says.

The U.S. Centers for Disease Control and Prevention found that workers touching food provided the most common transmission pathway for food-originated norovirus outbreaks between 2001 and 2008, the most recent comprehensive review of data available.

"It's an additional barrier to help protect the food," said Liza Frias, environmental health manager for the city of Pasadena and chairwoman of California's Retail Food Safety Coalition, which represents regulators and business groups. "You have everyday consumers who are looking for glove use."

The other barriers, experts say, are keeping sick workers out of the kitchen and ensuring strong hand-washing.

Major chain restaurants are used to gloves and generally shrug at this kind of regulation. The California Restaurant Association had opposed the bill until last year, when it recognized the widespread practice wasn't going away.

To higher-end restaurants such as Hock Farm, the mandate came as an irritating surprise. Sacramento's dining scene emphasizes using fresh, locally grown food as part of the farm-to-fork movement. And Paragary, the Hock Farm owner, says gloves would undermine the transparent kitchen-to-plate step his customers observe.

"You'll feel like there's a doctor back there preparing your food," he said.

Another Sacramento restaurateur, Randall Selland, calls the new law an unnecessary infringement on highly regarded establishments, saying it's better suited for fast food and production-line restaurants.

"If people get sick at my restaurant, they are going to stop coming," Selland said. "You have got to give restaurants some trust."

Many of the states with the bare-hand ban, and even the FDA model code, allow for exceptions. That discretion lies with local health agencies in California, and the potential for inconsistencies and added work for regulators and businesses alike has been controversial.

Food codes in Louisiana, Minnesota, Montana, Nebraska, Oregon and Wyoming encourage minimal contact but do not ban bare-hand contact outright. Lawmakers in South Carolina are considering a ban this year, while Tennessee plans to implement one by 2015.

Ravin Patel, executive chef at Ella near the Capitol, said he didn't notice much difference in kitchen procedures after moving in 2009 to California from New York, which has prohibited bare-hand contact since 1992.

But that doesn't mean the kitchen staffs in New York restaurants are always wearing gloves.

"It just becomes common practice that you don't touch food as much," said Patel, adding that New York restaurateurs found ways around the requirement. "When the health inspector comes, you slap on a bunch of gloves."

Similarly, many New York bartenders still work barehanded, dropping limes into gin-and-tonics but keeping a pair of tongs handy for visits by inspectors, said Aaron Smith, executive director of the U.S. Bartenders' Guild.

Smith also is managing director of the bar 15 Romolo in San Francisco. He says law-abiding employees cannot find an easy work-around for some mixology steps, such as fusing mints and herbs into his bar's signature, pricey drinks.

"They are trying to get expressive oil into the flavor and smell of the cocktail, and you are lacing that with the smell of latex and powder" using gloves, Smith said.

A petition by bartenders calling for an exemption from the "disposable glove law" gathered 11,000 signatures and caught the attention of state Assemblyman Richard Pan, D-Sacramento.

The new law arose last year from the Assembly Health Committee, which Pan chairs. He's now seeking a do-over.

Pan, a pediatrician, said he and other lawmakers thought some eateries, such as sushi restaurants, could easily get an exception provided they showed good hygiene. But once the law took effect, it became apparent that some local inspection agencies were applying a blanket approach.

"It's not about whether you wear gloves or not," Pan said. "It's about how clean the surfaces (touching food) are. We need to have the conversation go back to, 'This is about food safety.'"

Even gloves can spread contamination if they are not changed regularly, said Don Schaffner, a food scientist at Rutgers University.

In February, Pan introduced AB2130, which seeks to repeal the new regulation and revisit the entire issue, perhaps to forge a compromise. Whatever that bill's fate, public health experts say getting businesses on board with the spirit and purpose of food safety regulations is just as important as passing new laws.

"The bigger picture is whether businesses know what the risk factors are and how to control them," said Ben Chapman, an assistant professor at North Carolina State University who has studied restaurant hygiene. "Having a policy doesn't mean it actually works ... Prove to a patron that your people wash their hands all the time and the right way."


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Camera used on moon landing sold for $758,489

VIENNA — It was put on auction as the only camera that made it to the moon and back. And it had its price — nearly $760,000.

The Hasselblad 500 sold over the weekend is described by Vienna auctioneers Galerie Westlicht as part of the equipment carried by the 1971 Apollo 15 mission — and the only camera ever brought back from the moon. It says the others were left behind to make room for mineral samples.

Galerie Westlicht identifies the new owner as Japanese businessman Terukazu Fujisawa. It says the owner of an electronics chain placed his winning bid of 550,000 euros by phone. Bidding started Saturday at 80,000 euros — just over $110,000.


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Survey: Economists see US growth pickup this year

WASHINGTON, D.C. — With the pace of U.S. economic growth seen speeding up later this year and next, many business economists expect the Federal Reserve to end its bond purchases this fall or even earlier.

The consensus of the 48 economists surveyed by the National Association for Business Economics is that bad weather cut first-quarter growth to a weak annual rate of 1.9 percent, but that growth could exceed 3 percent by year's end. NABE's report, released Monday, covered a survey period from Feb. 19 through March 5.

Their forecast for average U.S. economic growth of 2.8 percent this year is better than the 2.5 percent rate they predicted in NABE's December survey. Those surveyed expect consumer spending to now increase 2.6 percent in 2014, not 2.4 percent, as hourly wage growth is forecast to rise faster than inflation. GDP is expected to grow an average 3.1 percent in 2015.

"Conditions in a variety of areas — including labor, consumer and housing markets — are expected to improve over the next two years, while inflation remains tame," NABE President Jack Kleinhenz, chief economist of the National Retail Federation, said in a statement.

Given the stronger growth forecast, 57 percent of the economists surveyed believe the Federal Reserve will end its bond purchases in the fourth quarter, as the central bank has signaled it plans to do. Another quarter think it will happen even before that, though 17 percent think the Fed will keep buying bonds into 2015.

The Fed has been buying bonds for the past several years with the aim of driving down long-term interest rates to stimulate spending and economic growth. Now that the economy is slowly but steadily improving, it has been tapering those purchases. At each of its last three policy meetings, including last week's, the Fed cut bond purchases by $10 billion to the current pace of $55 billion a month. There are six meetings left in 2014.

One-third of respondents said the Fed could even raise short-term interest rates this year, though more than half think it won't happen until next year. Fed Chair Janet Yellen said Wednesday that with the job market still weak, the central bank intends to keep short-term rates near zero for a "considerable" time and would raise them only gradually. She also said the Fed wouldn't be dictated solely by the unemployment rate, which Yellen feels overstates the health of the job market and the economy.

Yellen appeared to jolt investors last week when she tried to clarify the Fed's timetable for raising the short-term rate. She suggested that the Fed could start six months after it halts its monthly bond purchases. That would mean the rate could rise by mid-2015. A short-term rate increase would elevate borrowing costs and could hurt stock prices. Stocks fell after Yellen's mention of six months. The Dow Jones industrial average ended that day down more than 100 points.


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Health law birth control coverage before justices

WASHINGTON — The Obama administration and its opponents are renewing the Supreme Court battle over President Barack Obama's health care law in a case that pits the religious rights of employers against the rights of women to the birth control of their choice.

Two years after the entire law survived the justices' review by a single vote, the court is hearing arguments Tuesday in a religion-based challenge from family-owned companies that object to covering certain contraceptives in their health plans as part of the law's preventive care requirement.

Health plans must offer a range of services at no extra charge, including all forms of birth control for women that have been approved by federal regulators.

Some of the nearly 50 businesses that have sued over covering contraceptives object to paying for all forms of birth control. But the companies involved in the high court case are willing to cover most methods of contraception, as long as they can exclude drugs or devices that the government says may work after an egg has been fertilized.

The largest company among them, Hobby Lobby Stores Inc., and the Green family that owns it, say their "religious beliefs prohibit them from providing health coverage for contraceptive drugs and devices that end human life after conception."

Oklahoma City-based Hobby Lobby has more than 15,000 full-time employees in more than 600 crafts stores in 41 states. The Greens are evangelical Christians who also own Mardel, a Christian bookstore chain.

The other company is Conestoga Wood Specialties Corp. of East Earl, Pa., owned by a Mennonite family and employing 950 people in making wood cabinets.

The administration says a victory for the companies would prevent women who work for them from making decisions about birth control based on what's best for their health, not whether they can afford it. The government's supporters point to research showing that nearly one-third of women would change their contraceptive if cost were not an issue; a very effective means of birth control, the intrauterine device, can cost up to $1,000.

"Women already have an income gap. If these companies prevail, they'll have a health insurance gap, too," said Marcia Greenberger, co-president of the National Women's Law Center.

The contraceptives at issue before the court are the emergency contraceptives Plan B and ella, and two IUDs.

The government also argues that employers would be able to invoke religious objections under the 1993 Religious Freedom Restoration Act to opt out of other laws, including those governing immunizations, minimum wages and Social Security taxes. The Supreme Court previously has rejected some of these claims in cases decided before the law's enactment.

The issue is largely confined to family-controlled businesses with a small number of shareholders.

A survey by the Kaiser Family Foundation found 85 percent of large American employers already had offered such coverage before the health care law required it. There are separate lawsuits challenging the contraception provision from religiously affiliated hospitals, colleges and charities.

The federal appeals court in Denver ruled in favor of Hobby Lobby. Conestoga Wood lost its case at the federal appeals court in Philadelphia

In many respects, Hobby Lobby is the sort of company Obama would be pointing to as he advocates for corporate responsibility and a higher minimum wage.

Hobby Lobby's base pay for full-time employees is almost twice the federal minimum wage of $7.25 an hour. They are offered health insurance, dental coverage and a retirement savings plan. Hobby Lobby stores close most nights at 8 p.m., which the company says is aimed at allowing employees to spend more time with their families.

The Greens say they have no desire to make health care decisions for their employees, but neither do they want to contribute to services to which they object.

One key issue before the justices is whether profit-making corporations may assert religious beliefs under the 1993 religious freedom law or the First Amendment provision guaranteeing Americans the right to believe and worship as they choose. The court could skirt that issue by finding that the individuals who own the businesses have the right to object.

The justices still would have to decide whether the birth control requirement really impinges on religious freedom, and if so, whether the government makes a persuasive case that the policy is important and is put in place in the least objectionable way possible.

Hobby Lobby and Conestoga Wood say the burden they face is clear in the $100-a-day fine they would have to pay for each employee for not complying with the contraception provision. By contrast, businesses that choose not to offer health insurance at all can pay a tax of $2,000 a year for each employee.

One potentially underemphasized aspect of the case is that there is no requirement that employers offer health insurance. They could pay the tax, which will be cheaper in many instances, according to Georgetown University's Martin Lederman, who has advanced the argument.

But Mark Rienzi, a Catholic University professor who is on the Hobby Lobby legal team, said Hobby Lobby would be at a competitive disadvantage with other employers who offer health insurance. "Their view is and has always been that they want to take really good care of their employees and their families," Rienzi said.

The companies say they believe life begins at conception, and they oppose only birth control methods that can prevent implantation of a fertilized egg in the uterus, but not other forms of contraception. There is dispute over whether any of these contraceptives works by preventing implantation, but the administration has not raised that issue in this case.

___

Follow Mark Sherman on Twitter: https://twitter.com/shermancourt


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Health law birth control coverage before justices

Written By Unknown on Minggu, 23 Maret 2014 | 20.25

WASHINGTON — The Obama administration and its opponents are renewing the Supreme Court battle over President Barack Obama's health care law in a case that pits the religious rights of employers against the rights of women to the birth control of their choice.

Two years after the entire law survived the justices' review by a single vote, the court is hearing arguments Tuesday in a religion-based challenge from family-owned companies that object to covering certain contraceptives in their health plans as part of the law's preventive care requirement.

Health plans must offer a range of services at no extra charge, including all forms of birth control for women that have been approved by federal regulators.

Some of the nearly 50 businesses that have sued over covering contraceptives object to paying for all forms of birth control. But the companies involved in the high court case are willing to cover most methods of contraception, as long as they can exclude drugs or devices that the government says may work after an egg has been fertilized.

The largest company among them, Hobby Lobby Stores Inc., and the Green family that owns it, say their "religious beliefs prohibit them from providing health coverage for contraceptive drugs and devices that end human life after conception."

Oklahoma City-based Hobby Lobby has more than 15,000 full-time employees in more than 600 crafts stores in 41 states. The Greens are evangelical Christians who also own Mardel, a Christian bookstore chain.

The other company is Conestoga Wood Specialties Corp. of East Earl, Pa., owned by a Mennonite family and employing 950 people in making wood cabinets.

The administration says a victory for the companies would prevent women who work for them from making decisions about birth control based on what's best for their health, not whether they can afford it. The government's supporters point to research showing that nearly one-third of women would change their contraceptive if cost were not an issue; a very effective means of birth control, the intrauterine device, can cost up to $1,000.

"Women already have an income gap. If these companies prevail, they'll have a health insurance gap, too," said Marcia Greenberger, co-president of the National Women's Law Center.

The contraceptives at issue before the court are the emergency contraceptives Plan B and ella, and two IUDs.

The government also argues that employers would be able to invoke religious objections under the 1993 Religious Freedom Restoration Act to opt out of other laws, including those governing immunizations, minimum wages and Social Security taxes. The Supreme Court previously has rejected some of these claims in cases decided before the law's enactment.

The issue is largely confined to family-controlled businesses with a small number of shareholders.

A survey by the Kaiser Family Foundation found 85 percent of large American employers already had offered such coverage before the health care law required it. There are separate lawsuits challenging the contraception provision from religiously affiliated hospitals, colleges and charities.

The federal appeals court in Denver ruled in favor of Hobby Lobby. Conestoga Wood lost its case at the federal appeals court in Philadelphia

In many respects, Hobby Lobby is the sort of company Obama would be pointing to as he advocates for corporate responsibility and a higher minimum wage.

Hobby Lobby's base pay for full-time employees is almost twice the federal minimum wage of $7.25 an hour. They are offered health insurance, dental coverage and a retirement savings plan. Hobby Lobby stores close most nights at 8 p.m., which the company says is aimed at allowing employees to spend more time with their families.

The Greens say they have no desire to make health care decisions for their employees, but neither do they want to contribute to services to which they object.

One key issue before the justices is whether profit-making corporations may assert religious beliefs under the 1993 religious freedom law or the First Amendment provision guaranteeing Americans the right to believe and worship as they choose. The court could skirt that issue by finding that the individuals who own the businesses have the right to object.

The justices still would have to decide whether the birth control requirement really impinges on religious freedom, and if so, whether the government makes a persuasive case that the policy is important and is put in place in the least objectionable way possible.

Hobby Lobby and Conestoga Wood say the burden they face is clear in the $100-a-day fine for each employee they would have to pay for not complying with the contraception provision. By contrast, businesses that choose not to offer health insurance at all can pay a tax of $2,000 a year for each employee.

One potentially underemphasized aspect of the case is that there is no requirement that employers offer health insurance. They could pay the tax, which will be cheaper in many instances, according to Georgetown University's Martin Lederman, who has advanced the argument.

But Mark Rienzi, a Catholic University professor who is on the Hobby Lobby legal team, said Hobby Lobby would be at a competitive disadvantage with other employers who offer health insurance. "Their view is and has always been that they want to take really good care of their employees and their families," Rienzi said.

The companies say they believe life begins at conception, and they oppose only birth control methods that can prevent implantation of a fertilized egg in the uterus, but not other forms of contraception. There is dispute over whether any of these contraceptives works by preventing implantation, but the administration has not raised that issue in this case.

___

Follow Mark Sherman on Twitter @shermancourt


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Hub hosts fest on music tech

Artists, researchers and hackers are getting together in Cambridge this weekend to promote and advance music technology.

"The Music Tech Fest is a festival of music ideas," said Michaela Maga, one of the festival's organizers. "We gather the whole music technology ecosystem under one roof."

The festival draws a wide range of participants, from small startups to academics to corporate giants.

"What was exciting about this event was the ability to bring the hacking community and the artistic community and the scholarly community together," said Nancy Baym, a researcher at both the Massachusetts Institute of Technology and Microsoft New England's NERD Center.

That combination is the point of music tech, said Peter Torpey, who works in the MIT Media Lab, in the Opera of the Future group. Torpey is focused on developing technology for the future of performance and composition, among other things. Torpey has worked on creating a symphony composed by an entire city.

"Music technology is just part of the tool set we use to create the works, to reach out to people and to tell stories," he said.

The festival will finish with a hackathon, teaming up artists and techies.

"A beatboxer will come to a hacker and say, 'I'd love for this to be able to do this precise thing to aid my performance'," Maga said. "We are very hands on and we allow people to show off their idea, demo it, perform it, invite other people to collaborate with them."

Last year, the winning hack was a teaching guitar with an iPad modified to work as a key and motion-based synthesizer.

The Music Tech Festival will be in seven cities around the world this year, but Boston is the only stop in the United States.

Maga said many cities, including New York and Los Angeles, are clamoring for the festival to come, but they chose Boston because of the combination of research institutions, entrepreneurs and arts.

Baym said the combination of music and entrepreneurship in Boston creates a unique environment.

"You've got this incredible array of music that happens here," she said. "There's both a really healthy music community and a really healthy technology community."

Earlier this month, streaming giant Spotify bought music intelligence company the Echo Nest, based in Somerville. 
Spotify has said it will keep the company in Somerville, and it will operate as 
Spotify's research and development office.

Key investors and Boston entrepreneurs have said the move will significantly increase the number and stature of Boston's music tech engineering talent.

"I imagine The Echo Nest will be expanding over time," said Paul 
Lamere, director of developer platform for the Echo Nest. "Lots of people who are passionate about music and technology will have a place in or near Davis Square."


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Rescuing data from ransom

A cloud backup firm is flourishing thanks to a malicious software capable of wiping out all of a government agency's, business' or PC user's data in one fell swoop unless the victim pays a ransom.

Intronis this year plans to add 45 employees to the 80 it has in Chelmsford and is eyeing undisclosed competitors to acquire as CryptoLocker and copycat "ransomware" wreak havoc, infecting more than 12,000 computers in the space of a single week alone, according to security software maker Bitdefender Labs.

"It's a diabolical twist on an old scam," said Intronis CEO Rick Faulk. "All your files are frozen. If you pay the ransom, they tell you you'll get a key to unlock your files. If you don't pay, all your files are destroyed. You might as well take your computer and drop it off a bridge."

Intronis protects against such "gremlins," which often are unleashed when people click on a link or an attachment from someone they don't know, Faulk said.

"We copy all of your data to our servers, located off site, so you can get your data back," he said.

The 11-year-old company charges by the gigabyte, an amount that can total "between the low hundreds and low thousands of dollars per year" — "very inexpensive insurance for what you're getting," Faulk said.

Last November, Swansea police ponied up $750 online for an encryption key to unlock their files after CryptoLocker ransomware installed a timer on their computers, giving them 100 hours to pay.

"CryptoLocker is prolific; the FBI has come across numerous cases in the United States and around the world," Jennifer Shearer, an FBI spokeswoman, said in an email. "No one has been prosecuted to date."

Because each circumstance is different, Shearer declined to advise people whether they should pay the ransom.

"Ideally, everyone would back up his computer files; that's just good cyber hygiene," she said. "If a user will lose files of great personal or professional value and does not have any other way to recover that information, he should consider the time it would take to recreate those files and whether or not it's worth paying a ransom."

Even paying one, however, is no guarantee that people will get their files back, said Eric Kuznitz, vice president of Wizard Computer Services, a Canton company that provides Intronis' backup solution to its clients.

"We had a client pay a ransom before they called us, so they lost their money and their files," he said.

Besides never clicking on links or attachments from people you don't know, Kuznitz recommended making sure your computers and servers are updated regularly and your important data is backed up, ideally both on and off site, in case of a break-in or fire.


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Hope for mortgage forgiveness tax relief, extenders

WASHINGTON — Here's some good news for 
homeowners worried that Congress will fail again to renew popular tax benefits for use in 2014 — especially those allowing for mortgage debt forgiveness, write-offs for energy-saving improvements and mortgage insurance premiums.

Though there has been no formal announcement, the Senate Finance Committee under new Chairman Ron Wyden (D-Ore.), expects to take up a so-called "extenders" package within weeks, sometime this spring. "This is high on 'Wyden's' priority list," according to a source with direct knowledge of the committee's plans. That's an important change from last December, when then-Chairman Max Baucus (D-Mont.), who is now ambassador to China, let 50-plus corporate and individual tax benefits expire. The House also took no action to extend.

As a result, several key tax code housing provisions lapsed into a legislative coma. Without reauthorization retroactive to Jan. 1, they could disappear from the code and not be available for transactions this year. Both Baucus and House Ways and Means Committee Chairman Dave Camp (R-Mich.) focused on wholesale rewrites of the tax code last year rather than spending time on extending special-interest tax provisions.

But now there are signs that at least some of the expired housing benefits could be back on Congress' to-do list. What are these "extenders," as they are called on Capitol Hill?

Tops on the list is the Mortgage Forgiveness Debt Relief Act, a law that has saved large numbers of 
homeowners from hefty tax bills — close to an estimated 100,000 taxpayers in 2011, the latest year for which IRS estimates are available. First enacted in 2007 with menacing clouds of the housing bust on the horizon, the law carved out a special exception to the general rule in the tax code: When you are relieved of a debt burden by a creditor, the amount forgiven is treated as income subject to taxation at ordinary rates.

For qualified homeowners whose mortgage debt was reduced or written off by lenders in connection with loan modifications and short sales, the law said, the forgiven amounts would not be taxable. However, the 2007 carve-out for mortgages was temporary. Congress was required to extend it periodically — which it failed to do last Dec. 31. At least one state has a partial remedy for congressional inaction, however: California owners who sell homes through short sales are not subject to taxation on the amounts forgiven, a legal interpretation confirmed by the IRS.

Also part of the housing benefits that Congress failed to extend last December: A $2,000 tax credit for construction of energy-efficient new homes, deductions for home improvements that conserve energy, and write-offs for the mortgage insurance premiums that many borrowers pay in connection with low-downpayment loans.

Though Wyden is planning to take up an extenders bill soon, that does not guarantee that any specific tax law provision will be part of the bill the Finance Committee ultimately considers. Most tax analysts expect that a final bill will include some form of renewal.

The home energy conservation tax programs also are likely to be included in the Senate bill.

Meanwhile, in the House, Camp has not indicated when he plans to take up the extenders. He recently unveiled a comprehensive tax reform plan that would lower tax brackets, increase standard deductions and eliminate or sharply curtail most longtime housing tax benefits — including mortgage interest and property tax write-offs. Camp's bill did not mention reauthorization of the now-expired housing extender items, but he asked colleagues for their views on what might be retained in a large bill.

If, as expected, the Senate Finance Committee approves and the full Senate passes some form of extender package — including two or three of the housing provisions — election-year pressure on Camp to pass some version will be intense, despite his preference for comprehensive tax reform, which has no chance of passage in 2014.

Bottom line: Though there are hurdles ahead, the outlook for renewal of mortgage forgiveness debt relief — and possibly other housing benefits — looks more promising now than it has in months.


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Driver wonders if antilock brakes all that effective

I have two cars with ABS — a 1999 Buick Regal and 2013 Toyota Corolla. I am wondering if ABS is really the best way for stopping on an icy road. This past week I had several occasions where I tried to stop as I approached a stop sign, but when applying and maintaining brake pressure the ABS engaged but did little to stop the car as I kept sliding. Then I did the old-fashioned pumping of the brakes with much better results! The ABS seemed to not work well on icy roads compared to the pumping technique. Is this only my experience or am I using ABS incorrectly?

Considering that antilock braking systems are capable of recognizing wheel lockup and modulating/releasing hydraulic pressure to restore rotation of the wheel many times per second — much, much faster than the human foot can accomplish — ABS should be more effective than pumping the brakes in slippery conditions.

But there may be mitigating factors. First, if the anxiety of not stopping as quickly as the situation warrants causes the driver to continue to press harder and harder on the brake pedal, the ABS tends to cycle more slowly because of the much larger releases of hydraulic pressure required to restore wheel rotation. These much deeper modulations will increase stopping distance measurably.

Recognize what provides the "best" stopping traction on ice — it's that moment just before and as the wheel/tire begins to lock up. At that instant the tread blocks on the tire surface are at the edge of their maximum traction, just before sliding. Since the ABS system can recognize and release hydraulic pressure at that precise moment much faster than the human foot, ABS should stop better on ice.

Is it possible the pumping action can be more effective? Not in my experience, but perhaps in a scenario where the locked wheel/tire is actually melting the ice under the tread. This is entirely speculative on my part — just trying to envision a scenario where pumping the brakes might be more effective.

But here's the bottom line. Neither ABS nor pumping the brakes can overcome the laws of physics. Experiencing either action is confirmation of going too fast and/or braking too late for existing conditions. On glare ice, I still want an ABS system to minimize the consequences of my mistake.

I have a 2014 Hyundai Sonata. Since I purchased it the catalytic converter makes a ticking noise when it gets hot. I had a previous 2012 Sonata that never had this issue — any thoughts?

The ticking sound from the exhaust as it cools down is completely normal. The sound is generated by the extraordinarily hot metal in the forward sections of the exhaust, including the converter and its heat shield, contracting as it cools. No worries. And I think you'll find that this ticking during cooldown will fade as you accumulate more miles on the vehicle.

How does really cold weather affect hybrid vehicles? I am thinking of buying one but not if they don't work well in really cold weather. Also, what if I go south in the winter — can my hybrid just sit in the garage for several weeks without any problem?

With a gas/electric vehicle, expect to see more "gas" operation in cold weather. More energy is needed to operate the vehicle and warm its interior. So the car likely will rely more heavily on its internal combustion engine and use more fuel. But even with the lower efficiency and reduced "hybrid benefits," the vehicle still will "work" reliably. And parking a hybrid for weeks, even months, won't be any more of an issue than with a conventional vehicle.

Paul Brand, author of "How to Repair Your Car," is an automotive troubleshooter, driving instructor, and former race-car driver. Readers may write to him at Star Tribune, 425 Portland Ave. S., Minneapolis, MN 55488 or via email at paulbrand@startribune.com. Leave a daytime phone number.


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