Fitch Affirms New Jersey Higher Ed Student Assistance Auth 2010-2 Indenture Revs; Outlook Stable

Fitch Ratings has affirmed the rating on the New Jersey Higher Education Student Assistance Authority (NJHESAA) student loan revenue bonds issued under the 2010-2 master trust indenture. The Rating Outlook is Stable. Fitch's Global Structured Finance Rating Criteria and Private Student Loan Asset-Backed Securities (ABS) Criteria were used to review the transaction. The rating actions are detailed at the end of this press release.

Fitch affirms the ratings on the bonds based on loss coverage multiples which are sufficient to support an 'Asf' rating on the bonds which was calculated using collateral performance data as of Dec. 31, 2011. A Stable Outlook has been maintained based upon Fitch's review of the credit enhancement and cash flows run less than one year ago in July 2011.

A loss coverage multiple was determined by comparing a projected net loss amount to available credit enhancement. Fitch used historical vintage loss data provided by NJHESAA to form a loss timing curve representative of the 2010-2 trust's collateral pool. After giving credit for seasoning of loans in repayment, Fitch applied the trust's current cumulative gross loss level to this loss timing curve to derive the expected gross losses over the projected remaining life. A recovery rate was applied, which was determined to be appropriate based on the latest data provided by the issuer.

Credit enhancement consists of excess spread and overcollateralization. Fitch assumed excess spread to be the lesser of the average historical excess spread (earnings on the assets minus interest payments to bondholders and fees) and the most recent 12-month average excess spread, and applied that same rate over the stressed projection of remaining life.

The collateral supporting NJHESAA's 2010-2 trust's notes consists entirely of private student loans originated and serviced by NJHESAA, which is not rated by Fitch. The private student loans are intended to assist individuals in financing their undergraduate or graduate education beyond what the Federal Family Education Loan Program (FFELP) affords. The private student loan collateral as well as the student loan revenue bonds have a fixed interest rate, so there is no basis risk in this transaction.

Fitch affirms the following Higher Education Student Assistance Authority of the State of New Jersey (NJHESAA), Student Loan Revenue Bonds, 2010-2 Indenture, Series 2010-2 and maintains the Stable Outlook:

--Serial 2012-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2012-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2013-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2013-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2014-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2014-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2015-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2015-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2016-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2016-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2017-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2017-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2018-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2018-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2018-3 affirmed at 'Asf'; Outlook Stable;

--Serial 2019-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2019-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2020-1 affirmed at 'Asf'; Outlook Stable;

--Serial 2020-2 affirmed at 'Asf'; Outlook Stable;

--Serial 2021 affirmed at 'Asf'; Outlook Stable;

--Serial 2022 affirmed at 'Asf'; Outlook Stable;

--Serial 2023 affirmed at 'Asf'; Outlook Stable;

--Serial 2024 affirmed at 'Asf'; Outlook Stable;

--Serial 2025 affirmed at 'Asf'; Outlook Stable;

--Serial 2026 affirmed at 'Asf'; Outlook Stable;

--Serial 2027 affirmed at 'Asf'; Outlook Stable;

--Serial 2028 affirmed at 'Asf'; Outlook Stable;

--Super Sinker 2029 affirmed at 'Asf'; Outlook Stable;

--Serial 2030 affirmed at 'Asf'; Outlook Stable;

--Serial 2036 affirmed at 'Asf'; Outlook Stable.

Fitch affirms the following Higher Education Student Assistance Authority of the State of New Jersey (NJHESAA), Student Loan Revenue Bonds, 2010-2 Indenture, Series 2011-1 and Maintains the Stable Outlook:

--Serial 2012 affirmed at 'Asf'; Outlook Stable;

--Serial 2013 affirmed at 'Asf'; Outlook Stable;

--Serial 2014 affirmed at 'Asf'; Outlook Stable;

--Serial 2014a affirmed at 'Asf'; Outlook Stable;

--Serial 2015 affirmed at 'Asf'; Outlook Stable;

--Serial 2015a affirmed at 'Asf'; Outlook Stable;

--Serial 2016 affirmed at 'Asf'; Outlook Stable;

--Serial 2016a affirmed at 'Asf'; Outlook Stable;

--Serial 2017 affirmed at 'Asf'; Outlook Stable;

--Serial 2017a affirmed at 'Asf'; Outlook Stable;

--Serial 2018 affirmed at 'Asf'; Outlook Stable;

--Serial 2019 affirmed at 'Asf'; Outlook Stable;

--Serial 2019a affirmed at 'Asf'; Outlook Stable;

--Serial 2020 affirmed at 'Asf'; Outlook Stable;

--Serial 2020a affirmed at 'Asf'; Outlook Stable;

--Serial 2021 affirmed at 'Asf'; Outlook Stable;

--Serial 2021a affirmed at 'Asf'; Outlook Stable;

--Serial 2022 affirmed at 'Asf'; Outlook Stable;

--Serial 2023 affirmed at 'Asf'; Outlook Stable;

--Serial 2024 affirmed at 'Asf'; Outlook Stable;

--Serial 2025 affirmed at 'Asf'; Outlook Stable;

--Serial 2026 affirmed at 'Asf'; Outlook Stable;

--Serial 2027 affirmed at 'Asf'; Outlook Stable;

--Term 2027 affirmed at 'Asf'; Outlook Stable;

--Serial 2028 affirmed at 'Asf'; Outlook Stable;

--Serial 2029 affirmed at 'Asf'; Outlook Stable;

--Serial 2033 affirmed at 'Asf'; Outlook Stable.

Additional information is available at 'www.fitchratings.com'. The ratings above were solicited by, or on behalf of, the issuer, and therefore, Fitch has been compensated for the provision of the ratings.

Applicable Criteria and Related Research:

--'U.S. Private Student Loan ABS Criteria', July 19, 2011;

--'Global Structured Finance Rating Criteria', August 4, 2011;

--'Rating Guidelines for Moral Obligations', May 24, 2011.

Applicable Criteria and Related Research:

U.S. Private Student Loan ABS Criteria

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=667570

Global Structured Finance Rating Criteria

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=646569

Rating Guidelines for Moral Obligations

http://www.fitchratings.com/creditdesk/reports/report_frame.cfm?rpt_id=633029

ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: HTTP://FITCHRATINGS.COM/UNDERSTANDINGCREDITRATINGS. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEBSITE 'WWW.FITCHRATINGS.COM'. PUBLISHED RATINGS, CRITERIA AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. FITCH'S CODE OF CONDUCT, CONFIDENTIALITY, CONFLICTS OF INTEREST, AFFILIATE FIREWALL, COMPLIANCE AND OTHER RELEVANT POLICIES AND PROCEDURES ARE ALSO AVAILABLE FROM THE 'CODE OF CONDUCT' SECTION OF THIS SITE.

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Ben Zweifach: Whatever the Court's Ruling, the Political Battle Over Obamacare Has Already Been Lost

As the Supreme Court debated the fate of the Affordable Care Act this week, anxiety spread throughout the leftward legions. Progressives, liberal elites, those who reject labels but still love Downton Abbey -- we've all become antsy. And here's a spoiler alert: The situation is actually worse than people think. Whether Justice Kennedy wakes up on the left or the right side of his bed this summer, the Court's ruling will hurt President Obama's campaign. The reality is that the political battle over Obamacare has already been lost.

This has nothing to do with Solicitor General Verrilli's performance this week. Depending on whom you ask, Mr. Verrilli's defense of the individual mandate resembled something between a mildly alarming debacle and the causeway ambush of Sonny Corleone in The Godfather (see below for a visual approximation of Verrilli's oral argument).

The SG proved incapable of articulating a limiting principle to cabin Obamacare under the Commerce Clause, and the aggressiveness of the inquisition was disturbing, particularly to those in the room. Granted, the news sensationalizes everything, but some of the legal correspondents returned to their network studios looking like shell-shocked soldiers trying to describe the horrors of 'Nam to their families. CNN's Jeffrey Toobin wore a particularly squeamish expression as he described the events: with the sound off, he could well have just witnessed Verrilli be covered in barbeque sauce and dunked in a tank of piranhas. And the definitive evidence things didn't go smoothly? Rachel Maddow spent the first half of her show preemptively attacking the institutional integrity of the Court and ranting about Bush v. Gore; Sean Hannity spent the first half of his show laughing maniacally and tossing around his idiotic toy football, as though he'd just found tape of the president with a goat.

But however Kennedy comes out, the Court's apparent decision to reach the merits is bad news for the Administration. Let's consider the nightmare scenario first. Say Kennedy decides to shred the ACA, turn it into his own personal wallpaper, and redecorate his chambers with it. It would be catastrophic. To be a bit rude for a moment, those arguing that this would actually help Obama get re-elected are either fools or deluded contrarians. (Don't kill me in my sleep, James Carville!)

First, the holding would announce to the world that Obama is, at least by constitutional metrics, outside the mainstream (read: a radical). It would vindicate every nutty right-wing pundit who has claimed that he is not only a liberal president, but somehow an illegitimate one operating outside the bounds of the law. This would be the story, even if it's an unfair oversimplification of the truth. In reality, would invalidation be anything other than another judicial overreach by a politicized court, akin to Citizens United? No, not really. But presidential martyrdom rings hollow, and trying to sell that explanation in swing states would be like trying to teach mandarin to a badger.

Second, invalidation would wipe out the principal political achievement of Obama's first term. A year-and-a-half of his presidency, the period during which he was attacked for prioritizing his party's holy grail over the economy: gone -- as though he'd spent it playing MarioKart or devising his March Madness bracket. It would be an indictment of his stewardship and managerial competence. Say what you will about the ideological composition of the Court, but if such an outcome were so predictable from the judicial personnel, shouldn't the president's lawyers -- hell, Constitutional Law Professor Obama himself?! -- known not to prioritize such a doomed crusade?

Third, a federalism-based rejection of the ACA dovetails nicely with the Romney campaign's healthcare talking points. So far, Mr. Romney's only answer to the Romneycare-Obamacare coupling has been an unconvincing, federalist distinction: that his health law was good for Massachusetts but bad for the nation. A Commerce Clause takedown by the highest court in the land lends that response some legitimacy: The federal government isn't authorized to issue an individual mandate, whereas Massachusetts is. (Mitt's known it all along!) Romney's been searching for evidence that something insidious happens when you apply a state healthcare plan to the entire country. Even if the Court's word is based on law more than policy, it would qualify.

And what if the Court upholds the ACA? The ruling would be a rallying cry for conservatives and a boon to right-wing turnout in November. Obamacare is an unpopular piece of legislation, and has been one from the start. You wouldn't quite call it a political lemon, but it's probably fair to say it's evolved into a strain of tangerine. An ABC/Wash. Post poll from last week finds that a majority of Americans want it repealed, and two-thirds want the Court to throw out at least part of it. If you're running a re-election campaign, time spent defending something 2/3 of the country wants invalidated is dicey territory; David Axelrod would likely prefer his candidate talk about other things -- like the auto-rescue, or financial reform, or maybe the most recent Mad Men episode.

And yet, before reaching the Court, the ACA had lost resonance since the midterms. Romney's impending nomination alone is proof that the histrionic fever over Obamacare had passed into remission. A summer ruling revitalizes the debate, injecting it back into the news without Romney having to expose himself to the hypocrisy of insurance mandate attack ads. The Court will do it for him, whatever the holding. Justice Kennedy could write a glowing opinion, seal it with a kiss, and attach a 'Yes We Can!' pin; it won't matter.

The ACA has unfortunately gone from polarizing to a political liability, and the Court's ruling is going to end up damaging the president's chances in November. That much is a foregone conclusion.

?

Follow Ben Zweifach on Twitter: www.twitter.com/BenZwei

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?Girls Around Me? Creeper App Just Might Get People To Pay Attention To Privacy Settings

Cult of Mac has a great write-up of an app for iOS called Girls Around Me, which essentially displays check-ins and public profiles of girls around you. With a little shift in context it could easily be confused for a hot new startup (discoverability meets speed dating!), but no, it really is just a way for guys to creep on nearby girls who have failed to lock down their info. It's sad, but maybe something like this is what people need to shock them into understanding just how much information they put online.

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AP sources: Ryan expected to endorse Romney (The Arizona Republic)

Share With Friends: | | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/210320683?client_source=feed&format=rss

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Murdoch fights back against "lies and libels"

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Home Improvement Loans MyReviewsNow | DIY Institute

Article by Chickie Maxwell

Home improvement loans are a great way to make repairs and improvements to your home. Using an improvement loan can not only make your home look and feel better, but it can also greatly increase the value of your home as well.

Home improvement loans are loans that are used to make either improvements, repairs or renovations to your current home. They are secured loans that are covered by using your home as collateral for approval. For the improvement to be approved, generally the changes have to be aesthetically improved or the improvement has to make the home more comfortable to live in. Below are some things to think about when considering home loans.

The Collateral- Most often than not, the home itself is used as collateral for securing home loans. The loans are created by mortgaging the home that is going to be getting remodeled. In some cases, other assets might also be used as collateral. Cars and boats are other assets that might be able to be used instead of the home.

Factors That Affect Home Improvement Loans- There are many factors that affect the loan. These can include the amount of the loan, the interest and the repayment period. Some things that sway these factors include where the home is located and the size and worth of the home.

Another factor that is considered when applying for home improvement loans is the borrowers? credit history. Homeowners that have a better credit history will have less problems getting approved for the loan. They will also be able to get a better interest rate and terms. In contrast, those homeowners will less than perfect credit might find it harder to get approved for home loans.

The age and condition of the home is another factor that is really taken into consideration by lenders. If the home is really old and in bad condition, it might be harder to get a good sized loan. On the other hand, owners of homes that are new and in good condition will typically receive higher amounts.

Advantages Of Home Improvement Loans- Not only does getting home improvement loans improve your property, certain improvements can also significantly increase the value of your home as well. Some improvements will also provide your home with a longer life. Fixing up your home can also make it more comfortable and enjoyable to live in.

Disadvantages Of Home Improvement Loans- Though there are many advantages to getting a home improvement loan, there are also some downsides. With the downturn of the economy, it can be difficult to find loans that have good interest rates. Lenders are also more stringent in their approval techniques. During these times, it will be even more difficult for those homeowners with a bad credit history to find a good loan.

Once you have decided that home improvements loans are something you want to look into, be sure to do extensive research. Get multiple quotes from lenders and don?t just settle for the first one that you can get approved for. Even with less than perfect credit, there are still ways to get loans with decent interest rates and terms.

If it is possible, consider working on your credit history for a while before renovating your home. Doing so will make it easier to get approved for better loans with good interest rates. A good interest rate can save you thousands over the course of a loan. Home improvement loans are a great way to fix up your home and add value to it, but all factors need to be considered thoroughly before signing the loan papers.

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Source: http://www.caravelinstitute.com/2012/03/29/home-improvement-loans-myreviewsnow/

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Short-term bridging loans for private or commercial usage ? Free ...

For years people have been utilizing bridging loans as a short term finance solution when money is needed swiftly but only for a short time period. This has been as a rule for bridging a hole in finances during the purchasing of a new residence and the sale of an existing home when completion of the sale and purchase are not able to be set up for the same exact day. A new bridging loan can offer you the money required to complete the purchase ahead of the sale of the present property has completed. Later on, when the selling of the old residence has completed the bridging loan would be paid back.

For businesses, if money is required for a short period of time, commercial finance can frequently be the most suitable option as setup costs and early repayment charges is often less expensive than long term finance alternative. When applying for commercial bridging loans it is vital to factor in that commercial bridging finance should only be used as a short-term manner of finance. It is because they normally have a high rate of regular monthly interest and are consequently a costly long-term option. Besides the commercial bridging lenders will need their money back at the close of the agreed timeframe, and being unable to do so will incur more expenses and quite possibly bring about the losing of the property.

Even so bridging loans can be used for lots of reasons and since the credit crunch there has been an increase in the number of bridging finance loans being taken out when other types of lending has appreciably reduced.

For upgrading and extending, home and property finance may be raised by the use of bridging finance. On the other hand an even more convenient and more affordable method tends to be development loans, which may additionally be kept for refurbishment and extension plans. Usually development loans are used for new build developments, which could be developing a new individual building or for large scale housing and business oriented developments. The huge benefits of development finance are that it can be precisely produced to supply the cash needed for property development and can be released over time as it is required. Interest only and roll up options are readily available and development finance options commonly have borrowing periods of 36 months.

Bridging loans can be set up in a short time because they?ve got adaptable lending criteria. The bridging loan providers consider the valuation of the property or properties that are being offered as security, as well as the method by which their bridging loan will be paid back. This flexible lending criteria means that less processing needs to be done which helps you to save time. It is also this flexibility that has to a degree led to the increased financial lending needed for bridging loans, because more individuals decide on bridging loans as an alternative solution to the banks who?ve got much more limitations.

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Source: http://www.cutforeclosures.com/short-term-bridging-loans-for-private-or-commercial-usage/

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Report: Oil spill culprit for heavy toll on coral

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Source: http://news.yahoo.com/report-oil-spill-culprit-heavy-toll-coral-200119554.html

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U.S. spending cuts bite in Paul Ryan's home town (reuters)

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online internet marketing training | SCKL Online Business Digest

You should be inclined to at first do it part time due to the fact the outcomes are not quick.

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Woman admits faking mental illness to avoid jury duty; now charged with perjury

What was once merely a gag on the television comedy "30 Rock" has become a reality, after a Denver woman faked a mental illness to avoid jury duty.

Denver's 9News reports that Susan Cole, 57, faces charges of perjury after she admitted to faking the mental illness during an interview with a? local talk-radio show. "I am embarrassed I did it. I didn't mean to harm the judge. I really felt bad she interpreted this," Cole said, after admitting she "deliberately dressed in a disheveled and uncoordinated fashion," and was excused from jury duty in July 2011.

But Cole's deception went beyond merely wearing mismatched clothes. And the evidence suggests she hasn't stopped lying to authorities. Cole also told the court she was suffering from PTSD. "I broke out of domestic violence in the military. And I have a lot of repercussions. One is post-traumatic stress disorder," the court reporter's records show Cole saying. "My military records are now missing. I have lived on the street, and I have worked myself up to living with my cousin."

Cole then recounted her hoax during an October 17, 2011, interview on the Dave Logan Show. Ironically, the judge Cole had lied to about her condition was listening to the program when Cole explained what she had done. Cole has since admitted lying to the judge but attempted to explain her motivation for lying by saying she slept in late during the day she was scheduled to appear in court and was "distraught" over a motorcycle accident that had recently occurred near her home. She also claims to actually be suffering from PTSD from both an "abusive marriage" and her previous alleged traumatic military experience. The U.S. Army says it has no records verifying Cole's claims. And Cole's divorce records reportedly do not contain any evidence, or even allegations, of physical or mental abuse

"The defense will have to show that she did not knowingly lie about a material fact. Bragging about getting out of jury duty is a little bit like being proud of not voting or cheating on your taxes," 9News Legal Analyst Scott Robinson told the station.

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Source: http://news.yahoo.com/blogs/sideshow/woman-admits-faking-mental-illness-avoid-jury-duty-203328952.html

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Understanding Drug Abuse Program In Montana - Health And ...

Having been previously studied for medical purposes, MDMA is currently usually available in loads of settings and even setups. Originally, it was used by Caucasian teens as well as immature older people during popular parties like raves. The medication is said to create effects of empathy as well as love such that someone could stay sociable to others who have been a a minimum of of them. Moreover, the prescription energizes its users who might be able to keep awake for several hours. This explains why it?s a key club prescription nowadays. But, when misused, the medicine might create loads of side effects and even complications, with even risks of unalterable human brain damage in addition to death. That?s why the state as well as heath authorities are dedicating several resources and even time in attempting to find an agreeable solution to this issue that has continued to wreck lots of immature lives of the residents of the United States. The most affected people have been the high school and also college students.

While some personnel argue that the addictive properties of MDMA remain a subject for debate, it should be notorious that taking the medication in large quantities along with for stretched time intervals can cause the user?s body to build up dependency. This condition is risky because abusers are forced to use more and more quantities of MDMA with the intention of getting leisure or similar effects. Along with considering the destruction constant usage of the medicine can bring to the healthiness of the abuser, it crucial that the family individuals, friend and in addition colleagues at school or the workplace intervene so as to get solution for the person. This is the most appropriate way that might assistance them to return to usual productive lifestyles once more.

Caution should be exercise to evade mixing different products that contain acetaminophen which might cause inadvertent overdose. Care should be taken in some medications in which it isn?t easy to determine acetaminophen as a component. These include medications which can be used in the solution of cold & coughs, sleeping tablets along with headache cure medications.

The bleakness of these disorders will depend on the frequency of consume of the medicine and even the dose that was taken regularly. It in addition depends on the length of time the abuser has been taking MDMA besides the psychological ands physical physical condition of the patient. These MDMA abuse withdrawal symptoms might persevere for many days or even months. In addition, indicators equal to depression might persevere even for several years. As an example, a person who have a remedial history characterized by melancholy woes might find it tricky coping with the intensity of this symptom. That?s why patients are advised not to trying dropping the devour of MDMA all of a sudden or without medicinal attention.

While there are no explicit pharmacological remedies for MDMA abuse, withdrawal involves cure using a quantity of medical solutions. These include behavioral modifications that can equip the patients with all the important tools that can assistance them manage their lifestyle. Guarantee that you search for a reliable therapy center that allows patients to withdraw from MDMA abuse in a humane manner.

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Death penalty for Staff Sgt. Bales? Not likely.

WASHINGTON (AP) ? Defense Secretary Leon Panetta says the death penalty is possible if a U.S. military court finds an Army staff sergeant guilty of gunning down Afghan children and family members. But it isn't likely.

History shows that the U.S. military system is slow to convict Americans, particularly service members, of alleged war crimes. And when a punishment is imposed, it can range anywhere from life in prison all the way down to house arrest. Other factors can seem to play more of a role than the crime itself.

In the case of Army Staff Sgt. Robert Bales, the suspect in the March 11 Kandahar shootings, legal experts say the 38-year-old married father of two young children could face a lengthy prison sentence if convicted of the crime, which has threatened U.S.-Afghan relations. But on his fourth combat tour and with a head injury on his record ? the sergeant remembers little about that night, Bales' lawyer says ? he might well be shown some leniency by the military jury, even if convicted.

"Political pressure is going to drive the push for the death penalty. Doesn't mean they're going to get it," said Charles Gittins, a Virginia-based defense attorney who represents service members and has handled capital cases.

Of the long list of alleged U.S. atrocities ? from prison massacres in World War II to the slaughter of civilians at My Lai in Vietnam ? relatively few high-profile war crimes believed to involve Americans in the past century have resulted in convictions, let alone the death penalty.

In the case of My Lai, President Richard Nixon reduced the only prison sentence given to three years of house arrest. In the 2005 Haditha shooting of Iraqi civilians, eight Marines were charged but plea deals and promises of immunity in exchange for testimony meant no prison sentences.

Prosecution against Blackwater employees in the 2007 shootings in Baghdad's Nisoor Square similarly floundered as civilian prosecutors tried to assemble the case. Charges eventually were thrown out on the grounds that prosecutors mishandled evidence, although a federal appeals court last year resurrected the case.

Legal experts say a big part of the challenge is assembling forensic evidence and eyewitness testimony from remote, often dangerous parts of the battlefield thousands of miles away from the United States. And there's an emotional component, too, in prosecuting U.S. citizens who have risked their lives in combat.

"Terms like 'fog of war' mean nothing legally," said Eugene Fidell, who teaches military law at Yale University. "But there's a reluctance to invoke the full moral sanction of criminal justice in these cases."

The military hasn't executed a service member since 1961. And like that case in 1961, in which an Army ammunition handler was hanged for raping an 11-year-old girl in Austria, none of the six men on death row at Fort Leavenworth, Kan., today were convicted for atrocities against foreign civilians. All of their crimes involved the killing of U.S. civilians or fellow service members.

The military doesn't even have the equipment necessary to carry out an execution. If a service member were to be put to death, the military would rely on the federal penitentiary in Terre Haute, Ind.

Of note is that U.S. service members ? as well as contractors supporting them in war zones ? are subject to a different set of rules than civilians when it comes to capital punishment. Unlike in the civilian world, the president must personally agree to the death sentence of a service member.

Gittins estimates that since 1961, more than half of the death penalty cases involving U.S. service members have been overturned by military appeals courts. He attributes that high percentage in part to the lack of experience that military judges and prosecutors have in pursuing capital cases. Inexperience means making mistakes, he says, which higher courts use to knock down rulings.

"If someone does two (military death penalty cases) in their entire career, that would be miraculous," he said. The question Panetta and others will have to ask, Gittins says, is whether pursuing the death penalty for Bales is worthwhile, given the likelihood such a punishment wouldn't stick anyway.

Human Rights Watch in Washington, which opposes the death penalty, says it's not clear the U.S. has the political stomach to follow through with the prosecution of war crimes involving its own citizens.

Andrea Prasow, the organization's senior counterterrorism counsel, said there was only one word to describe America's track record for punishing war crimes: "abysmal."

She says she is most troubled by a lack of accountability in suspected abuse of detainees, including the Abu Ghraib prison scandal in Iraq and secret interrogations led by the CIA.

"Every time a case is not prosecuted, it contributes to a culture of impunity," Prasow said.

Much of U.S. policy in recent years has focused on protecting troops from prosecution by foreign states. In the 1990s, the U.S. objected to the creation of an international court to prosecute war crimes, in part because of the potential that such a court might try to claim jurisdiction over American troops fighting abroad.

And while Congress in 1996 agreed that the standards for treating prisoners of war as outlined by the Geneva Conventions should be put into law, lawmakers revised the rules 10 years later under pressure by the Bush administration out of concern that U.S. interrogators could be prosecuted for alleged war crimes.

The U.S. also has insisted on maintaining immunity from local prosecution for its troops in Iraq and Afghanistan, signing specific agreements with those countries that preserve the military's legal jurisdiction in all cases involving service members.

While the U.S. track record for prosecuting alleged war crimes is spotty, some say the tide is changing.

In one 2006 case, four soldiers were given substantial prison sentences for raping a 14-year-old Iraqi girl and killing her and her family. Steven Dale Green, a former 101st Airborne soldier, is serving five life terms after jurors couldn't agree on whether to impose the death penalty.

Stephen Carter, a Yale law professor who writes frequently about the ethics of war, notes that many of the cases that are prosecuted are aided by other service members tipping off authorities.

"Nearly all of our military forces serve with enormous honor and courage. It bears mention that at Abu Ghraib, just as at My Lai, it was fellow soldiers who blew the whistle on the perpetrators," Carter wrote in a Newsweek Magazine editorial.

Source: http://news.yahoo.com/death-penalty-staff-sgt-bales-not-likely-175310257.html

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Get with the times: You're driving all wrong

New Jersey Department of Transportation

Most driving guidelines ? including those now issued by AAA and most state transportation agencies ? now say you should lightly grip the wheel at the 9 and 3 o'clock positions.

By M. Alex Johnson, msnbc.com

If you're a conscientious motorist who still does everything the way your driver's-ed instructor told you to, you're doing it all wrong.

Steve Jefferson of NBC station WTHR of Indianapolis and Meredith Land of NBC station KXAS of Dallas contrinuted to this report by M. Alex Johnson of msnbc.com. Follow M. Alex Johnson on Twitter and Facebook.

For decades, the standard instruction was that drivers should hold the steering wheel at the 10 and 2 positions, as envisioned on a clock. This, it turns out, is no longer the case. In fact,?driving that way could cost you your arms or hands in particularly gruesome ways if your airbag deploys.

Instead AAA, the National Highway Traffic Safety Administration and many driving instructors now say you should grip the wheel at 9 and 3 o'clock. A few go even further, suggesting 8 and 4 to avoid the airbag mechanism as much as possible, but what formal research has been published on the varieties of hand positions suggests that this may lessen your control of the car.

---

Safer cars make old-school ways dangerous
In its latest guidelines for effective steering, distributed by state and private driving instructors nationwide, the American Driver and Traffic Safety Education Association advises that "recommendations relative to hand position on the steering wheel have become more flexible."

As cars have become safer over the years, "the steering wheel and associated mechanisms (have) changed dramatically," it says, meaning the familiar driving maneuvers "needed to turn the wheel have all changed." Principal among the changes is the incorporation of airbag modules in the steering column, which are designed to deploy upward to protect your head and chest.

Where to put your hands The American Driver and Traffic Safety Education Association, the trade group for driving instructors, goves this advice: ? Both hands should be placed outside of the steering wheel on opposite sides. ? Your grip should be firm, yet gentle. ? Use your fingers instead of the palms of your hands and keep your thumbs up along the face of the steering wheel. ? Never turn the wheel while gripping it from the inside of its rim.

That means the higher up the wheel your hands are, the more likely they are to be directly over the plastic cover when it opens ? that is, when superhot nitrogen gas flashes and inflates the bag at 150 to 250 mph.

Among the injuries the NHTSA reports from improper placement of the hands when an airbag deploys are amputations of fingers or entire hands, traumatic fractures and a particularly stomach-churning injury called "degloving," which ? trust us ? you definitely don't want to look up.

AAA says the bags can also slam your hands directly into your head, causing broken noses and concussions.

"If the bag is going to go, it's going to take my hand and put it into my face ? either one of my hands," Bob Hendrickson, head of AAA's network of driving schools in central Indiana, told NBC station WTHR of Indianapolis.

Experts also say new research in ergonomics suggests that what's called "parallel position" makes for safer driving in general.

Parallel position "improves stability by lowering the body's center of gravity and reduces unintended and excessive steering wheel movement which is a primary cause of young driver fatalities," the Texas Department of Public Safety says in guidelines for new drivers (.pdf).

In plain English, that means "9 and 3," said Dallas police Sgt. Paul Hinton, who teaches law enforcement officers how to drive safely in emergencies like highway chases or when facing a wrong-way driver.

"That way I can go 180 degrees (one way), 180 degrees back the other way and then back to center," Hinton told NBC station KXAS of Dallas. "That's the way I'm going to be able to change lanes (safely)."

One other thing
You're also turning wrong. That ship captain's-style "hand over hand" thing is now out.

Instead, you're supposed to "push-pull" ? that is, push the wheel up with one hand and pull it down with the other, without crossing over.

The reason is the same, State Farm's auto insurance division says in its guidelines for beginning drivers:

"Hand-over-hand maneuvers during turning should be avoided to prevent arms from being in front of a deploying airbag in the event of a crash. Serious injuries may result during such occurrences."

{"contentId":"10795756","totalVotes":"1846"}

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Source: http://bottomline.msnbc.msn.com/_news/2012/03/21/10795756-get-with-the-times-youre-driving-all-wrong

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