Man Convicted of Being Naked at Home Wins Appeal of Indecent Exposure Case
By Martha Neil
April 7, 2010, 10:53 pm CDT
Late last year, a judge convicted Erick Williamson of misdemeanor indecent exposure after two women complained that they had seen him standing naked in a window or doorway of his Virginia home.
But, arguing that he had a right to walk around in the buff in his own home, the 29-year-old commercial diver filed an appeal in the Fairfax County General District Court case, racking up legal fees and risking a jail term by doing so. Today, after deliberating less than 20 minutes, a Fairfax County Circuit Court jury acquitted him of the charge, reports the Washington Post’s Crime Scene blog.
At issue in the case was whether Williamson had exposed himself to the women intentionally or inadvertently, and one woman testified he made eye contact with her as he stood at the door of a carport. But the defense hired a private investigator who measured the estimated distance between the two as 83 feet, and the jury was shown a scene photograph by attorney Dickson Young that made the door seem far away, the newspaper recounts.
If a woman is “walking along and sees someone naked,” Young argued in his closing, “the last thing they’re going to be looking at is his eyes.”
NOTE: Sorry ladies I could not get the photo that caused all these problems.
ABAJournal.com: “Convicted for Being Naked in Own Home, Man Complains of ‘Living in a Fishbowl’”
Associated Press: “Va. man acquitted of indecent exposure in his home”
People go to jail, and people sue over the dumbest things.
I have to pause and wonder, if any of those who have been fighting with homeowners to keep their homes,have learned anything. The funny thing about this particular case was, the lender was up against a Military Man, in a Military town in South Georgia, and they called the man a liar. The man was not behind on his payments, they were auto paid from his bank account. My understanding is that the attorneys were from McCalla Raymer, who fired them all after the award!
Even so, all these years later, in Georgia, anyone and everyone can foreclose on you. We still are not safe!
We came across this 2011 case in the MSFraud article archives and noticed the story no longer appears in Military News. We did some research and located the following articles, one attorney’s summation of the case, and some of the case documents. – MSFraud.org | 10/16/13
Jury Awards Homeowner $21 Million In Mortgage Lawsuit
04/06/11| Huffington Post
A federal jury has awarded a Georgia man more than $21 million in a lawsuit pitting the homeowner against one of the nation’s largest mortgage servicers.
U.S. Army sergeant David Brash was awarded the damages in March, after a Columbus, Ga. jury found that PHH Mortgage, the country’s eighth largest mortgage servicer, had incorrectly reported Brash to credit score companies as “seriously delinquent” despite the fact that all his mortgage payments had been automatically deducted from his paycheck.
According to court documents, Brash sent letters to the mortgage company that went unanswered, violating federal laws. When he called his mortgage company to find out why his payments were not going through, his attorneys said, he was repeatedly routed to overseas customer services staff who couldn’t answer his questions.
“PHH’s corporate representative testified that call center representatives had limited access to information,” Teresa Abell, one of Brash’s attorneys told The Huffington Post. Some of Brash’s calls — which were automatically recorded by PHH — were played in court, Abell explained. “The jury got a flavor of what would happen, he could be put on hold for 30, 45 or 55 minutes, then representatives would give him whatever story they had concocted,” she added. Different representatives told Brash different things, many of which were simply not true, Abell alleged. “They would tell him they would investigate and get back to him in 24 hours, he’d call back, and another representative would tell him “there is no investigation being done on your account.””
Consumer websites are packed with homeowner complaints of mistakes by mortgage companies and banks that can be impossible to set right — in part thanks to unhelpful customer service departments. In the most extreme cases, these problems may have led to wrongful foreclosures. In January, JPMorgan Chase admitted to overcharging military families on their mortgages, illegally foreclosing on 14 families as a result. In February, The Huffington Post reported on a couple who were facing foreclosure despite having proof they had made every mortgage payment. In circumstances echoing Brash’s, PHH Mortgage reported that homeowner, Kendra Parker, to credit rating agencies for missing payments, destroying her credit rating.
An investigation by all 50 state attorneys general launched last fall when improper paperwork practices at banks and mortgage companies — like the “robo-signing” scandal — came to light found many banks and mortgage servicers violated numerous state laws in handling mortgages and foreclosures. While banks expect penalties, it is unclear whether homeowners affected by their banks’ actions will have any recourse.
Brash’s case remains one of a few in which homeowners have successfully established that their mortgage company was in the wrong, but lawyers say more are on the horizon.
Brash originally took out the $160,000 mortgage on his Columbus, Ga., home in November 2007, setting up automatic payments so his $1,300-a-month payments would be deducted from his army salary. During the trial, the jury heard the homeowner called the mortgage company twice to make sure the paperwork was correct. In court, representatives for PHH Mortgage testified that mistakes on these forms — which customer service staff had told Brash were correct — had caused the missing and late payments.
After 15 months, according to court documents, PHH Mortgage started sending late payment notices to Brash, and threatened to report his “serious delinquency” to credit scoring agencies. After “numerous, lengthy calls” to a customer service department in India went nowhere, Brash hired an attorney who wrote a formal letter to the president of PHH about the errors. Under the federal Real Estate Settlement and Procedures Act, mortgage companies and banks have to respond to written requests within 60 business days, which PHH failed to do, the attorneys said. They did however adjust Brash’s account.
In November 2009 PHH Mortgage sent more late payment notices, this time reporting Brash to three credit rating companies and seriously damaging his credit score, according to court documents. Brash, based in Fort Benning, Ga., sued the mortgage company for breaching the federal Real Estate Settlement and Procedures Act. He also sued under Georgia state loan servicing and breach of contract laws.
Attorneys representing PHH Mortgage did not return calls for comment, but told Georgia TV news station WTVM: “Although we respect the judicial process, we believe this verdict is not supported by the facts of the case or by applicable law, and that the award is grossly disproportionate to any damages Sgt. Brash may have sustained. We intend to seek further judicial review of the case.”
The Columbus-based Ledger-Enquirer originally reported Brash’s story, but it is no longer available. This story also appeared in Military News, but it was taken down.
Georgia jury sends $21 million message to sloppy mortgage loan servicer
4/5/2011 | Law Offices of David C. Winton
On March 21, 2011, a Columbus, Georgia jury sent a very loud message to loan servicers in the form of a $21 million verdict and punitive damage award against PHH Mortgage, an affiliate of Coldwell Banker Mortgage.
David Brash, a sergeant in the United States Army, bought a home in 2007, and obtained a $161,000 mortgage loan from Coldwell Banker Mortgage. The loan was serviced by PHH Mortgage. Sergeant Brash had his monthly payments set on autopay out of his US Army paycheck. (In fact, Sgt. Brash overpaid each month.) Things went along swimmingly for about a year and a half, until PHH began losing track of the payments, which then triggered the phone calls and letters telling him that he was delinquent. A mortgage lender losing track of payments and blaming the consumer? Say it ain’t so.
Anyhow, that started a series of very patient efforts by Sgt. Brash to resolve the issue, all of which are thoroughly described in the Complaint. The servicer’s call center was outsourced to India. (No comment on that. I very seriously doubt that Sgt. Brash would have received better treatment from his fellow countrymen.) But in an amusing instance of what’s-good-for-the-goose-is-good-for-the-gander, Sgt. Brash actually recorded the phone calls with the servicer (for quality assurance purposes right?), and the tapes of the phone calls were played to the jury. Transcripts of the calls were also admitted into evidence. I pulled the actual transcript of the phone calls from the Court’s docket, and you can review it for a good example of how to handle your own such calls. Very good evidentiary material that.
The upshot of the story? After multiple attempts to sort things out, PHH assured Sgt. Brash that things were resolved, and that the erroneously designated “late” payments had been properly credited. But then what did they do? You guessed it. They reported the false delinquencies to the Credit Cops, Equifax, TransUnion and Experian. This, in turn, caused Sgt. Brash to be denied credit. As stated in the Complaint, “Coldwell Banker Mortgage has refused to answer Plaintiff’s legitimate inquiries, and has refused to correct and straighten out Plaintiff’s account.” (See Complaint, ¶48.)
Other than the obvious appeal of David taking on and beating up on Goliath–the sheer joy of seeing an abusive loan servicer get hit–the other appeal of this case is how meticulously Sgt. Brash documents his odyssey through this experience. If you’re having trouble with your bank or loan servicer, read the Complaint that Charles Gower (Sgt. Brash’s lawyer) drafted, and review the list of trial exhibits. They are a roadmap for how to build and maintain a paper trail and document abusive loan servicer practices. This is the kind of evidence that wins lawsuits.
For lawyers who are keeping track, it appears that the gravamen of the legal theory was a violation of §2605 of RESPA. (12 USC §2605.)
David beats Goliath:
Homeowner wins $21 MILLION payout from mortgage firm in dispute over credit rating
4/7/2011 | DailyMail UK
It’s a rare case of the little guy taking on a big corporation – and winning.
U.S. Army sergeant David Brash has won more than $21million in damages from PHH Mortgage after it falsely claimed he defaulted on his loan.
The 29-year-old was awarded the enormous sum by a Columbus jury after he sued the mortgage company – the country’s eight-biggest – for reporting him as ‘seriously delinquent’ to credit rating companies.
Win: David Brash was awarded $21million in damages against PHH after it claimed he defaulted on his mortgage on this house in Columbus, Georgia
Win: David Brash was awarded $21 million in damages against PHH after it claimed he defaulted on his mortgage
on this house in Columbus, Georgia.
PHH claimed he was behind on his mortgage payments, when in fact they had been automatically deducted out of his Army pay cheque every month.
He set up a direct debit in 2007 when he bought the house, in Columbus, Georgia, so he wouldn’t miss any of his installments while he was on active duty at Fort Benning.
Austin Gower, one of his lawyers, told WTVM: ‘This soldier was never behind on his payments. They were taking his money and not crediting it properly.
‘I think the jury and everybody has had this experience before with the call centre and they’re fed up with it.’
He said the verdict sent an important message to the ‘billion-dollar’ company – and it needed to pay more attention to its customers.
The sergeant, who is married with a baby on the way, had no problems with his $160,000 mortgage until September 2009, when he began to get late notices in the post.
Payout: PHH, the eighth-largest mortgage company in America, has been ordered to give David Brash $21million in damages
Payout: PHH, the eighth-largest mortgage company in America, has been ordered to give David Brash $21 million in damages.
He called PHH repeatedly to find out what was going on, but each time he was put through to an outsourced customer service centre in India, where staff couldn’t answer his questions.
As the late notices continued, PHH threatened to report his ‘serious delinquency’ to credit scoring agencies – and each time Sergeant Brash called, he still couldn’t get anywhere.
Some of the frustrating calls, automatically recorded by PHH, were played out in court.
Teresa Abell, one of his lawyers, told the Huffington Post: ‘The jury got a flavour of what would happen, he could be put on hold for 30, 45 or 55 minutes, then representatives would give him whatever story they had concocted.
‘They would tell him they would investigate and get back to him in 24 hours, he’d call back, and another representative would tell him “there is no investigation being done on your account”.’
Eventually Sergeant Brash took action, and went to an attorney who wrote a formal letter to the company’s president.
According to court documents, the company failed to respond within 60 days, even though mortgage companies and banks are legally obliged to answer written requests within that time.
Frustration: U.S. Army sergeant David Brash set up automatic payments while he was on active duty at Fort Benning, Georgia – but PHH claimed he had defaulted
Frustration: U.S. Army sergeant David Brash set up automatic payments while he was on active duty at Fort Benning, Georgia – but PHH claimed he had defaulted.
The firm did at least adjust his account – and Sergeant Brash thought it was at last resolved.
But then in November 2009, the late notices began again. The firm reported him to three credit rating companies, seriously damaging his credit score.
His credit card applications were turned down and he began to worry the situation would affect his career in the army – so he decided to sue, under Georgia law and the federal Real Estate Settlement and Procedures Act.
After a six-day trial in March, a jury awarded Sergeant Brash $21,350,575, including $20million in punitive damages.
The company claimed the confusion arose because of mistakes made on Sergeant Brash’s original paperwork – even though he rang twice to check and staff told him everything was correct.
Mr Gower told WTVM: ‘The jury has spoken on the verdict. I think it was important for them to send a message to this billion dollar company.
‘Had they given a dollar verdict it wouldn’t have sent the message but I promise you, I think we got their attention now.
‘These mortgage companies need to pay more attention to their customers and not just send them to some out of country call centre. They need to take their calls and get this thing straightened out.’
According to court documents, PHH services approximately one million mortgages, valued at $163billion.
Jonathan McGrain, a spokesman for PHH, told MailOnline: ‘PHH Mortgage is recognised as one of the nation’s leading mortgage servicers, and we take our responsibilities to borrowers seriously.
‘Although we respect the judicial process, we believe this verdict is not supported by the facts of the case or by applicable law, and that the award is grossly disproportionate to any damages Sgt. Brash may have sustained.
‘We intend to seek further judicial review of the case.’
Brash v. PHH Complaint
Brash v. PHH Motion to Exclude Evidence DENIED
Brash v. PHH Jury Verdict
Brash v. PHH Judgment
Brash v. PHH Summation
Brash v. PHH Audio Recordings
(Natural News) The vaccine industry always says “the science is settled” when it comes to any concoction they slap together and call a “vaccine.” The science isn’t “settled” because it’s never settled. You can’t predict the future, and organic and genetically modified things can quickly morph and mutate, changing everything. There’s a quote on vaccine research we must share, and it comes from the vaccine industry themselves, via the CDC, informing everyone they’ve got all the ingredients in vaccines already figured out, and that nobody should ever question, research, test or deny the “settled science” of any vaccine ever again.
Before we get to that crazy quote, realize there is still a significant amount of mercury in flu shots. No, the CDC didn’t remove it back in 2003, like they said. They lied. And, few people know, the same industry that just shelled out $4 billion dollars in compensation through their secretive court for the vaccine-damaged families, also shelled out $3 billion of that $4 billion for the… wait for it…. damage the flu shot inflicted. So here we go with the quote: “Despite a lack of good-quality evidence, we do not recommend that any further research on this topic is undertaken.” (regarding vaccines that contain aluminum).
The CDC doesn’t mention the “neurotoxic and cancer-causing agents” (per Dr. John Bergman from embedded video below), they just talk about trying to get the strains of flu right in their “wild” guess for each “flu season” – which is listed by the CDC as being October through May – yes, that means virtually three quarters of the entire year is “flu season” according to and CDC and the U.S. Government.
Warning: There have been NO controlled trials done for the flu shot, at all
They admit it right on the vaccine insert and warning label, that nobody seems to ever read: “There have been no controlled trials adequately demonstrating a decrease in influenza disease after vaccination.” Huh?
There’s absolutely no way anyone should get the flu shot after reading this. There’s no good “trade off” to avoid the flu if the shot doesn’t even work and you’re getting injected with mercury that can cause dementia, especially at 25,000 times more per dose than the EPA warns about in fish. Oops. In fact, there are 25 micrograms in one average flu vaccine, and the EPA safety limit is 5 micrograms, so children who are vaccinated simultaneously with multiple vaccines can receive over 10 times the safety limit of mercury in one day.
It’s not just about the mercury either. You’re also dealing with MSG, formaldehyde, cancer cells and toxic heavy metals poisoning. It just gets worse. It’s all about mind control. You drink tap water with fluoride that lowers your IQ. Then you get injected with the world’s most lethal non-radioactive substance known to man. Then you watch TV and read the newspaper and voila, you think socialism might just work. Wake up. The U.S. government is secretly using flu shots to seize control of every American’s immune system.
Flu shots are nothing but quack science and a horrible medical hoax that rakes in billions in profit, far more than they pay out for damages
Don’t jump to conclusions so fast. Vaccines aren’t quack science. Some can confer immunization effectiveness, but not the influenza vaccine. The flu shot weakens your immunity for the following years, and that’s why they tell you not to get another one if you’ve ever received one before.
Then, when they guess the wrong viral strains, the “vaxxed” people are shedding and spreading strains that aren’t even in the wild or from the wild, but manufactured in laboratories using genetic engineering.
There are no double-blind, placebo-controlled studies for this. Every single method of modern flu vaccination CAUSES viral strains to mutate, so the immunity they claim you might get is not even conferred. Get it? You can’t get protection from the wild virus when what you got injected into your muscle tissue was manufactured, mutated, and loaded with mercury.
The science is never “settled.” Then it wouldn’t be science. Heck, the second you think you’ve got something figured out for good, it will change on you, maybe even blow your hypothesis to bits. Remember back when they thought the world was flat? How about when they thought the sun revolved around the Earth? And remember when people thought Pluto was a planet? Wasn’t that science “settled” then? Or, remember way back when they thought the world was getting hotter too fast? Wait, that’s now.
Folks, the theory that flu shots work has been blown to bits, plus it’s loaded with chemicals that impair cognitive function AND immune function. It’s a lose, lose situation folks, and the less you can think for yourself, and the sicker you get, the better chance Big Government will take away every right you’re taking for granted right now.
Think for a second about this – how many people have died from the flu AFTER getting the flu shot? Take a real close look at that.
The flu shot is a hoax. It’s deadly too. Yes, this is happening, this year. Watch this complete analysis of the entire vaccine hoax, by the brilliant Dr. John Bergman:
Tune in to Vaccines.news for updates on how vaccines are the problem, not the solution.
In 13 months, we will defeat and send into well-deserved obscurity most of the violently anti-gun, anti-American candidates who are monopolizing the airways with whining. And good riddance.
But all of the “issues,” real or invented, that O’Rourke, Booker, Klobuchar, Castro, Harris and the rest are blathering about today will remain with us for many years. The vehemence of their attacks on America has, I believe, begun to change and divide this democratic republic permanently.
* How do we stop Planned Parenthood and find good homes for the 330,000 babies the organization murders every year?
* How do we end the “my-way-or-the-highway” attitude that has brought our government to a halt?
* How do we convince millennials that without viable borders, we will have chaos?
* How do we remind everyone who is not already a millionaire that capitalism offers a chance — the only chance in the world — to join that exclusive club?
* How, with the study of history dropped in favor of STEM studies, do we show that differences between rich and poor are part of every civilized society … and that this is a good thing?
* How do we address the basic issues that cause individuals to pick up a weapon and indiscriminately harm others?
The Use of Weapons in Society
We in the concealed carry community may be interested in all of the above issues, but we have a special concern about the use of weapons in our society.
Two banned novels with colorfully illustrated book covers: The Man Who Would be King by Rudyard Kipling and Robinson Crusoe by Daniel Defoe
Because they present history at variance with the lens of political correctness, many classic books and writers are now banned from school and public libraries. (Rick Sapp photo)
Whether we find ways to reduce violence in America or not, whether there is an “epidemic of gun violence” as the buffoon candidates screech or not, if the Socialist left wins elections, we will find our firearms options severely limited. Should the screechers come to power and dominate politics in America (as they do the mass media now), the Second Amendment will not stand.
The fact that these “leaders” do not understand the difference between a semi-automatic and a tank or between a hair clip and a semi-auto magazine won’t stop them from implementing anti-gun agendas. Neither will their anti-gun agendas, if fulfilled, put a dent in violence in America.
What’s to Be Done?
We must address two factors to make a dent in America’s “epidemic of gun violence.” First, we must strengthen our mental health community and insurance support for counseling and intervention. Second, inner-city communities with high rates of gangs and violence must recognize that violence is a cultural issue and can only be solved within the culture. The imposition of programs, outreach and activism of all sorts will fail unless communities accept the responsibility to teach their children that the “culture of violence” is unacceptable.
The concealed carry community is part of the great silent majority who live in “fly-over land” between the coasts. But we can ill afford to be silent as the Socialist left reshapes our country. In the end, the attack on guns, religious faith and fundamental American principles is an attack on us. It’s personal. America may very well be changing, but this is a culture war. And we cannot afford to lose.
About Rick Sapp
Richard “Rick” Sapp was a U.S. Army infantry platoon leader until recruited to the 66th Military Intelligence Group. There, he worked with the West German KRIPO (Criminal Police) at Czechoslovakian border stations during the Soviet invasion of 1968.
Returning to the U.S., he earned a Ph.D. in social anthropology after studies at the U.S. Air Force Academy, Catholic University of America and the University of Florida, following which he moved to Paris, France, for a year.
After four years with the U.S. Fish & Wildlife Service, he turned to journalism and freelance writing, specializing in outdoor features. His journalism experience includes newspapers and magazines. He has authored more than 50 books for a variety of international publishers.
Rick is married and lives in Florida.
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If there is enough tinkering with the voting booths, Trump may not be re-elected. That is what fears me. Last elections showed that it is not that hard for “them” to screw with the voting machines. “They” did not think that Trump would get so many votes, and “they” were very ill prepared. This time “they” know that Trump is going to get the votes, so if they cannot destroy him before elections, I feel “they” will see he don’t get elected, at any cost.
Extremely Handsome Herb • 4 hours ago
Does no $hyt ring a bell in regard to the title of the article? And yes, people are very stupid, in fact, the more stupid you are the more likely you are to get into politics, Mr. Trump excepted.
For all of the do gooders we have in this Country facts make no difference, crime is down with the exception of about 4 Cities, and no they will never understand, because they do not want to understand. If they every bother to learn what they are talking about then they will think like us, and us is who they are against, so why would they ever want to be like us?
You have to keep in mind that the best job these people will ever have is to be elected to some office. And the only better job is to run for a higher office, these people will do anything to keep their job and will set their own mother on fire for a better job. There is no lie too great, no trick too dirty, whatever they can get away with is just fine. Every other person on the planet is expendable as long as they get elected.
Why would you spend $1 Billion to get a job which pays less than $450.000.00, it does not make any sense, but take a look at Uncle Joe, his whole family has been enriched by his being elected to every office which he has ever held and he cannot even find his way home all by himself.
We had better hope things change, but I mean for the American People to actually wake up to the facts which are very simple to find, you only have to be willing to learn and that my friends is why change is so very hard!
Steve H. • 6 hours ago • edited
They won’t just stop at the 2nd amendment, that is just the beginning. When that falls we will be unarmed, then they will take the 1st then the 4th………. Not on my watch!
Frederick Davison • 7 hours ago
It isn’t the guns that they are after. It’s control! Plain and simple they want total control over the people of this great nation.
John Kaline Frederick Davison • 5 hours ago
I’ve said it several times before, but those FEMA camps were put in place for some particular purpose, and it’s never been satisfactorily explained or proved to the general public who may soon become those camp occupants. If you just look around, I believe the state and federal governments already have all power they believe they need to exercise martial law and simply collect all the firearms the FFLs were required to keep records on about who and where they are presently located. Label me paranoid, but I still believe it.s better to be prepared than not.
Juke 1751 John Kaline • 4 hours ago
NM has a large FEMA camp under the quise of holding illegal aliens.
Frederick Davison John Kaline • 5 hours ago
That’s why it’s nice that I had a boating accident and lost ALL of my firearms
GuitarsNguns • 8 hours ago
Just two years ago these same Dems were saying “nobody wants to take your guns we just want common sense gun laws”. Today they want to take our guns. We all know that this was their plan all along but now they are not hiding it and much to the chagrin of the establishment Democrats, they are saying it. We need to teach these little socialists a lesson by soundly defeating their sorry butts in the upcoming. I don’t worry much about Mr Trump getting re-elected but we all need to work to take back the House and increase our lead in the Senate where there are a half dozen RINOs we just can’t trust. If we can do this we will set the progressive movement back 20 years.
Clark Kent • 8 hours ago
HOORAY for the ‘my way or the highway’ attitude that has brought our government to a halt! ‘Be thankful we’re not getting all the government we’re paying for’ – Will Rogers.
GettyImages(DETROIT, MICHIGAN – JULY 31: Democratic presidential candidate Sen. Kamala Harris (D-CA) (R) speaks during the Democratic Presidential Debate at the Fox Theatre July 31, 2019 in Detroit, Michigan. 20 Democratic presidential candidates were split into two groups of 10 to take part in the debate sponsored by CNN held …Scott Olson/Getty Images)
On Friday Democrat presidential hopeful Kamala Harris voiced support for government-mandated buybacks of AR-15s and other commonly owned semiautomatic rifles.
Bloomberg quoted Harris as saying, “I think it’s a good idea.” She admitted details are still outstanding regarding how the government would force gun owners to hand over their commonly owned semiautomatic rifles, but she made clear she supports implementing such a buyback plan.
Robert France “Beto” O’Rourke also supports a government-mandated buyback of AR-15s and other commonly owned semiautomatic rifles.
On August 24, 2019, Breitbart News reported O’Rourke claiming, “America has more guns than human beings.” He then transitioned to gun control, saying, “We need a mandatory buyback of every assault weapon in our country.”
On Labor Day, O’Rourke released a video in which he assured AR-15 and AK-47 owners that he was coming for their guns if elected to the White House.
He noted that some gun owners have expressed “fears” that he wants to take away their firearms. He responded to this fear by saying, “I want to be clear: That’s exactly what we’re going to do. Americans who own AR-15s and AK-47s will have to sell their assault weapons. All of them.”
On September 3, 2019, The View host Meghan McCain warned that there will be violence if the government tries to take AR-15s.
AWR Hawkins is an award-winning Second Amendment columnist for Breitbart News and the writer/curator of Down Range with AWR Hawkins, a weekly newsletter focused on all things Second Amendment, also for Breitbart News. He is the political analyst for Armed American Radio. Follow him on Twitter: @AWRHawkins. Reach him directly at email@example.com. Sign up to get Down Range at breitbart.com/downrange.
FILE–In this April 28, 2018, file photo, made from video provided by Pepperdine University, shows one of a pair of pelicans crashing a graduation ceremony at Pepperdine University in Malibu, Calif. The wildlife organization, International Bird RescuThe Associated Press
Sick pelicans showing up along Southern California coast
By The Associated Press
LOS ANGELES — May 10, 2018, 5:00 PM ET
FILE–In this April 28, 2018, file photo, made from video provided by Pepperdine University, shows one of a pair of pelicans crashing a graduation ceremony at Pepperdine University in Malibu, Calif. The wildlife organization, International Bird Rescue, said Thursday, May 10, 2018, that there’s been a surge in the number of sick and dying brown pelicans along the Southern California coast in the past week. (Grant Dillion/Pepperdine University via AP, file)
A wildlife organization says there’s been a surge in the number of sick and dying brown pelicans along the Southern California coast in the past week.
International Bird Rescue said Thursday that more than 25 pelicans have been brought to its wildlife center in the San Pedro district of Los Angeles.
The big birds are showing signs of emaciation, hypothermia and anemia. The organization did not cite a cause.
Wildlife center manager Kylie Clatterbuck says it’s normal to receive recently fledged baby pelicans this time of year but the current wave includes many second-year birds.
The organization says there are many cases of pelicans landing on city streets, residential yards and airport runways.
A well-publicized incident occurred April 28 when two pelicans landed at Pepperdine University’s graduation ceremony in Malibu.
Subprime mortgages make a comeback—with a new name and soaring demand
The subprime mortgage industry vanished after the Great Recession but is now being reinvented as the nonprime market.
Carrington Mortgage is now offering mortgages to borrowers with “less-than-perfect credit.”
Demand from both borrowers and investors is exceeding expectations.
Diana Olick | @DianaOlick
Published 10:45 AM ET Thu, 12 April 2018 Updated 1:54 PM ET Thu, 12 April 2018
Subprime stages comeback as ‘non-prime’ loans Subprime stages comeback as ‘non-prime’ loans
1:41 PM ET Thu, 12 April 2018 | 01:28
They were blamed for the biggest financial disaster in a century. Subprime mortgages – home loans to borrowers with sketchy credit who put little to no skin in the game. Following the epic housing crash, they disappeared, due to strong, new regulation, and zero demand from investors who were badly burned. Barely a decade later, they’re coming back with a new name — nonprime — and, so far, some new standards.
California-based Carrington Mortgage Services, a midsized lender, just announced an expansion into the space, offering loans to borrowers, “with less-than-perfect credit.” Carrington will originate and service the loans, but it will also securitize them for sale to investors.
“We believe there is actually a market today in the secondary market for people who want to buy nonprime loans that have been properly underwritten,” said Rick Sharga, executive vice president of Carrington Mortgage Holdings. “We’re not going back to the bad old days of ninja lending, when people with no jobs, no income, and no assets were getting loans.”
A home improvement contractor works on a house in Cambridge, Massachusetts. Here’s how much homeowners could cash out in home equity
2:32 PM ET Mon, 2 April 2018 | 01:14
All loans will not be the same
Sharga said Carrington will manually underwrite each loan, assessing the individual risks. But it will allow its borrowers to have FICO credit scores as low as 500. The current average for agency-backed mortgages is in the mid-700s. Borrowers can take out loans of up to $1.5 million on single-family homes, townhomes and condominiums. They can also do cash-out refinances, where borrowers tap extra equity in their homes, up to $500,000. Recent credit events, like a foreclosure, bankruptcy or a history of late payments are acceptable.
All loans, however, will not be the same for all borrowers. If a borrower is higher risk, a higher down payment will be required, and the interest rate will likely be higher.
“What we’re talking about is underwriting that goes back to common sense sort of practices. If you have risk, you offset risk somewhere else,” added Sharga, while touting, “We probably are going to have the widest range of products for people with challenging credit in the marketplace.”
Carrington is not alone in the space. Angel Oak began offering and securitizing nonprime mortgages two years ago and has done six nonprime securitizations so far. It recently finalized its biggest securitization yet — $329 million, comprising 905 mortgages with an average amount of about $363,000. Just more than 80 percent of the loans are nonprime.
A ‘who’s who of Wall Street’
Investors in Angel Oak’s nonprime securitizations are, “a who’s who of Wall Street,” according to company representatives, citing hedge funds and insurance companies. Angel Oak’s securitizations now total $1.3 billion in mortgage debt.
Angel Oak, along with Caliber Home Loans, have been the main players in the space, securitizing relatively few loans. That is clearly about to change in a big way, as demand is rising.
“We believe that more competition is positive for the marketplace because there is strong enough demand for the product to support multiple originators,” said Lauren Hedvat, managing director, capital markets at Angel Oak. “Additionally, the more competitors there are, the wider the footprint becomes, which should open the door for more potential borrowers.”
Big banks are also getting in the game, both investing in the securities and funding the lenders, according to Sharga.
“It’s large financial institutions. A lot of people with private capital sitting on the sidelines, who are very interested in this market and believe that as long as the risks are managed well, and companies like ours are particularly good at managing credit risk, that it’s a good investment opportunity,” he said.
As the economy improves, and rents continue to rise, more Americans are trying to become homeowners, but the scars of the Great Recession still stand in the way. One-fifth of consumers today still have very low credit scores, often disqualifying them from obtaining a mortgage in today’s tight lending market.
Relaxed lending standards
Last summer, Fannie Mae announced it would relax its lending standards for prime loans, allowing borrowers with higher debt and lower credit scores to obtain loans without additional risk overlays, such as large down payments and a year’s worth of cash reserves.
Fannie Mae raised its debt-to-income (DTI) limit from 45 percent to 50 percent. DTI is the amount of total debt a borrower can have compared to his or her income. As a result, demand from buyers with higher debt exceeded all expectations. The share of high DTI loans jumped from 6 percent in January 2017 to nearly 20 percent by the end of February 2018, according to a study by the Urban Institute.
“From January to July 2017, Fannie purchased 80,467 loans with DTI ratios between 45 and 50 percent. But from August 2017 to February 2018, Fannie purchased 181,911 loans in the same DTI bucket. This increase of more than 100,000 loans in just seven months exceeded our estimate (85,000 additional Fannie loans annually) and Fannie’s expectations.” – Urban Institute
The mortgage industry expectation was that Fannie Mae would mitigate the additional risk with other factors, like a higher necessary credit score, but that was not added. The mortgage insurers balked, since they would be on the hook for the risk, so last month Fannie Mae “recalibrated” its risk assessment criteria again.
“We got a bigger response than we thought we were going to, so we dialed back to make sure we were in the right spot where our governance kicks in to make sure we’re not taking excessive risk,” said Doug Duncan, Fannie Mae’s chief economist.
Millennials carry more debt
The outsized demand from borrowers with more debt as well as demand for nonprime mortgages in the private sector show just how many borrowers today would like to become homeowners but are frozen out of the mortgage market.
Millennials, the largest homebuying cohort today, have much higher levels of student debt than previous generations. Members of older generations who went through foreclosures during the housing crisis or other hits to their credit are still struggling with lower FICO scores.
In addition, credit tightened up dramatically. In fact, between 2009 and 2015, tighter credit accounted for just more than 6 million “missing” loans, according to research by Laurie Goodman at the Urban Institute. These are mortgages that would have been granted under more normal historical underwriting standards.
The rebirth of the nonprime market is focused on these missing mortgages. The hope is that the industry will also focus on better standards of underwriting and not take risk to the levels it once did, levels that resulted in disaster.
Have you noticed that everyone around you is congested and coughing? I am calling this new syndrome “chemtrail cough.”
My wife is coughing, I am coughing and now even our dogs are coughing. In just four years death by respiratory disease has skyrocketed from 8th in the world to 3rd and possibly even 2nd.
If someone in congress receives a letter with a little bit of white powder in it the capitol is evacuated and the media freaks out and starts screaming “terrorists.”
However, right over their heads, hundreds of tons of nano aluminum and barium are being sprayed on them daily and yet nobody seems to care.
Yesterday I heard Alex Jones start his broadcast by saying his throat hurt and his voice was messed up because of something in the air but he didn’t know what it was.
Just one hour before his show started I heard the world’s leading expert on the subject of chemtrailsand geoengineering (Dane Wiginton) conduct an interview and he sounded terrible too.
Alex often talks about what people will put up with. One of his ideas is to go door to door in Austin and ask homeowners if it would be OK to put cameras in their bedrooms and then record their responses.
Of course, no sane person would allow that yet they do allow the NSA and countless other agencies and private corporations to do exactly the same thing via their smart TVs and smart phones.
Here’s my idea. How would anyone from Infowars or any other patriot radio show like it if I cornered your kid somewhere, opened a can of bug spray and emptied the entire can on their face?
You probably wouldn’t like it too much and yet you tolerate the EXACT same thing to be done to your kids on a daily basis by Bill Gates and the rest of the geo-engineering fanatics.
How is this not the number one story in the world all day and every day? Has everyone in the alternative media lost their minds too? We know that nano sized particulate of aluminum is very harmful to the brain and is responsible for killing everything that lives and yet it is rarely discussed and very little effort is directed to exposing it and stopping it.
Don’t people understand that if we don’t stop this right now there will be nothing left to live and fight for?
They are turning the sky over the entire country white daily. I have saved these recent satellite images to illustrate just how much material they are dumping on us. The sprayers repeat the same pattern day after day with very few exceptions.
Sunday morning (5/25/14)
Sunday afternoon (5/25/14)
Monday morning (5/26/14)
Tuesday morning (5/27/14)
Tuesday afternoon (5/27/14)
They typically spray heavily first thing in the morning and greet the sun as it rises. They then spray all day long following the sun as it crosses the sky. They then spray heavily in the west as the sun sets.
The aluminum and barium (blanketing us all day) dissipates and falls to the ground in the early evening. The planes then return to their bases to refuel, rearm and get ready for the next attack the next morning.
Unless all radio talk show hosts come together and put an end to this craziness called geo-engineering it is my opinion that all life on earth will die and the battle for the future of humanity will be lost.
Dane Wigington should be on every radio show at least once a week to cover the latest developments in the collapse of our ecosystem. It’s accelerating and nothing is being done to curtail these insane programs.
Trey Gowdy just said a few things about the military in response to a stupid question from a CNN reporter about the ban of transgender.
He nails it!
Nobody has a “right” to serve in the Military. Nobody.
What makes people think the Military is an equal opportunity employer?
Very far from it.
The Military uses prejudice regularly and consistently to deny citizens from joining for being too old or too young, too fat or too skinny, too tall or too short.
Citizens are denied for having flat feet, or for missing or additional fingers.
Poor eyesight will disqualify you, as well as bad teeth.
Malnourished? Drug addiction? Bad back? Criminal history?
Low IQ? Anxiety? Phobias? Hearing damage? Six arms?
Hear voices in your head? Self-identify as a Unicorn?
Need a special access ramp for your wheelchair?
Can’t run the required course in the required time?
Can’t do the required number of pushups?
Not really a “morning person” and refuse to get out of bed before noon?
All can be reasons for denial.
The Military has one job. War. Anything else is a distraction and a liability.
Did someone just scream “That isn’t Fair”?
War is VERY unfair, there are no exceptions made for being special or challenged or socially wonderful.
YOU change yourself to meet Military standards.. Not the other way around.
I say again: You don’t change the Military… you must change yourself.
The Military doesn’t need to accommodate anyone with special issues.
The Military needs to Win Wars.
If any of your personal issues are a liability that detract from readiness or lethality…
Thank you for applying and good luck in future endeavors.
Who’s next in line?
(P.S. some debate if it was Trey Gowdy that said this – whoever said it was right on)
Paying for transition-related surgeries for military service members and their families is beyond comprehensible.
Perhaps they have forgotten that our military was forged to be the world’s strongest fighting force,
not a government-funded, politically correct, medical sex change clinic for people with gender dysphoria.
>>> Related: Transgender Americans Won’t Be Allowed to Serve in Military, Trump Announces
Gender dysphoria, the common diagnosis for one who feels at odds with his or her birth gender, develops from prolonged anxiety and depression. People are not born that way.
The “proof” for a diagnosis of gender dysphoria is having strongly held feelings—but feelings can and often do change over time.
The military is expected to prepare its members in warfare: to kill, destroy, and break our enemies.
The most important factors in preparing a strong military are not hormone therapy, surgical sex changes, or politically correct education.
We need psychologically fit, emotionally sound, highly trained troops to protect our nation from its enemies.
While countless homeless vets are currently sleeping under cardboard boxes, or waiting for life-saving care from the Department of Veterans Affairs,
we learn that transgender military recruits now qualify for preferential coverage for sex change procedures that are scientifically unproven and extremely costly.
Costly, but Not Effective
Transitioning can be expensive—up to $130,000 per person for numerous body-mutilating and cosmetic procedures over many months (or years) to fashion the body to appear as the opposite sex.
Yet, no matter how skilled the surgeon, or how much money is spent, it is biologically impossible to change a man into a woman or a woman into a man.
The change is only cosmetic.
The medical community continues to recommend this radical “treatment” in the absence of scientific evidence that people are better off in the long run.
This population attempts suicide at a rate of 40 percent.
Even after the full surgical change, they attempt to end their lives, or tragically succeed.
Over 60 percent of this diverse population suffer from co-existing mental disorders.
Consider Bradley Manning (now Chelsea Manning), a former Army soldier who was so psychologically and emotionally unbalanced
that he stole confidential documents from the military and forwarded them to WikiLeaks.
The Military Is a Fighting Force, Not a Gender Clinic
The military should not provide sex change surgery.
Through my website, http://www.sexchangeregret.com ,
I hear from people who experienced firsthand how damaging and unnecessary reassignment surgeries were.
For them, the sex change failed to resolve the emotional and psychological disorders that drove the desire to change gender.
Many write after living the transgender life for years.
They write to ask for advice on how to reverse the original surgical change and restore their lives to the original birth gender like I did, a process called detransition.
Some service members will come to regret having undergone the surgery and will want to detransition.
Where will the military be then? Will the military pay for the sex change reversal procedure, too?
Failed “sex change surgeries” are not uncommon and will drive up the cost to care for the military transgender population above the projected $3-4 billion 10-year cost.
Beyond the financial cost, there’s the question of the service member’s military readiness during their transition or detransition,
as the process often comes with a great deal of anxiety and emotional instability.
Transgender Surgery: Regrets – More Suicides http://www.newsweek.com/transgender-women-transgender-men-sex-change-sex-reassignment-surgery-676777
one surgeon is reporting a trend of regret.
Urologist Miroslav Djordjevic, who specializes in gender reassignment surgery, has seen an increase in “reversal” surgeries among transgender women who want their male genitalia back. In the past five years, Djordjevic performed seven reversals in his clinic in Belgrade, Serbia. The urologist explains to The Telegraph that those who want the reversal display high levels of depression, and in some instances, suicidal thoughts. Other researchers also report hearing about such regrets.
A 2011 study found that after sex reassignment surgery, more than 300 Swedish transsexuals faced
a higher risk for mortality, suicide ideation, and psychiatric issues compared to the rest of the population.
Press Democrat, Feb 11, 2016 (emphasis added): Scientists and lawmakers foresee grim outlook for California’s ocean fisheries… the outlook is overwhelmingly grim, presenters said at an annual forum of the joint legislative Committee on Fisheries and Aquaculture. “Something’s going on in the ocean, and it’s not right, and it doesn’t fit our historical understandings,” California Fish and Wildlife Director Chuck Bonham told members of the committe… Bonham noted stretches of coastline suddenly barren of sea urchins… [N]umerous anomalies… are growing increasingly apparent, Bonham said. “This should be an… alarm to the general public”… Bonham said… [S]everal witnesses Thursday forecast what most in the industry already have anticipated: a collapse, or near collapse, of key salmon runs in the state… “I cannot say this more bluntly,” [State Senator Mike McGuire] said. “We are facing a fishery disaster here in California”… U.S. Department of Commerce [is] considering a request by Gov. Jerry Brown to declare a fishery disaster… http://www.pressdemocrat.com/news/5211805-181/scientists-and-lawmakers-foresee-grim?artslide=0
Ocean Beach Rag, Feb 18, 2016: California’s Crab and Salmon Fisheries Threatened By Historic Crisis… [O]fficials testified about the dire situation that the salmon and crab fishery is in at a recent forum at the State Capitol… “The salmon and crab fisheries are threatened by a historic crisis. We’re facing a fishery disaster” [said Senator Mike McGuire]… “We’ve gone from abundance to scarcity… “During the last two years, we’ve lost over 95 percent of the Sacramento River winter-run chinook and over 95 percent of the fall-run Chinook.”… things are expected to be even worse this year… Something’s going on in the ocean — State officials and scientists spoke on the unprecedented changes in the ocean believed to be impacting crab, salmon and other fish populations… These include the massive deaths of sea stars, the decline of the squid fishery, the closure of the sardine fishery, the decline of kelp habitat and the loss of most of the red sea urchins north of San Francisco recently…
Mad River Union, Feb 18, 2016: Ocean behavior alarming, puzzling… The following is one of several stories about the crab and fisheries calamities… [Bonham] testified that menacing changes are altering both marine biology and ecology and the changes do not fit historical understandings of ocean behavior. Bonham declared grimly, “This should be an exclamation alarm to the general public to stay aware and engaged in the ecological change going on in the ocean.”… [M]ost of the red urchin population has perished, moving from abundance to scarcity in just a few years. “Mile-long stretches of the North Coast [are] urchin barrens,” Bonham stated… There have emerged “very never-seen-before things“… The salmon outlook remains unfavorable… The Sacramento winter run “really raises the existential threat of extinction,” he testified… [T]oxic contamination generated by algal blooms may spread well beyond crabs and urchins, raising sinister unknowns, Bonham predicted warily. “Why not more and more species one right after another?” he asked…
TV: “Carcasses littering beaches for miles” on Pacific coast of Alaska — “Complete reproductive failure” — “Horrifying… Horrid… Mind-boggling… Off the charts” — Unprecedented die-off “has potential to be biggest mortality event in state history” — “The most extreme I’ve ever seen” (VIDEOS)
(In this Jan. 5, 2016 photo, Guy Runco, director of the Bird Treatment and Learning Center, releases…)
AP, Jan 12, 2016 (emphasis added): “It was pretty horrifying,” [Seabird biologist David Irons] said… An estimated 8,000 of the black and white birds were found dead on the Whittier beach, said [USGS’s] John Piatt… “That’s unprecedented, that sheer number in one location is off the charts,” he said… “The length of time we’ve been seeing dead birds, and the geographic scope, is much greater than before in other die-off events,” said Kathy Kuletz, a biologist for the U.S. Fish and Wildlife Service. “We’re looking at many times that. So possibly a good chunk of the population.”… Many females in 2015, however, were too weak to breed, Kuletz said.
KTVA, Jan 6, 2016: “It’s a major event and it’s difficult to see,” said Kathy Kuletz, the seabird coordinator for Fish and Wildlife. On Wednesday afternoon, Justin Siemens [said] “It’s super crazy. I’ve always seen a little bit of die off… but nothing like this,” [Kuletz] said this has the potential to be the biggest mortality event in the state’s history — numbers could reach more than 100,000.
(Photo by Anna Frost, Homer News/Homer News reporters counted 126 dead murres washed up on the trail by Mud Bay on Dec. 31. Biologists don’t know what is causing the murres to die in such huge numbers).
Alaska Journal of Commerce, Jan 7, 2016: Anyone who has walked Homer’s beaches the past few weeks has seen a horrid event. Every few yards… dead birds… In the summer of 2015, the murres also suffered a complete colony collapse and failed to breed… “We had complete reproductive failure, which is really rare for murres,” said Heather Renner, a bird biologist… 8,000 dead murres on a 1-mile stretch of beach in Whittier. “That number is totally off the charts,” Renner said. “This whole region is having through-the-roof numbers in the last couple of days.”… In an interview in July, [Julia Parrish, a fisheries professor at the University of Washington] said a big die off would be like one seen at Kayak Island near Prince William Sound, with 1,000 dead birds per kilometer. “That’s knee deep in birds,” she said then… other species like auklets and guillemots have been found dead… Murres also have been dying in above-average numbers in areas of the Washington and Oregon coast… “These are scrappy birds. They’re used to it. Something else is going on… They’re telling us something is going on in the marine ecosystem,” she said.
(Dead murres line a beach in Prince William Sound the first week of January, 2016.
David Irons / USFW)
Alaska Dispatch News, Jan 5, 2016: Thousands of dead common murres are washing up on the beaches of Whittier, an unprecedented die-off that has scientists wondering how many more thousands remain uncounted… The scale of the die-off is unprecedented along the Sound, longtime residents say. “It’s just mind-boggling,” said David Janka, a Cordova charter owner… [It’s] the worst Piatt has seen in 40 years of research in both the Atlantic and Pacific oceans. “It’s a regular part of their life history, but I would say this is the most extreme I have ever seen or heard of,” he said… It’s possible that… there’s a disease or some other medical condition that’s causing them to starve… “It’s turning out to be something that does have the potential for population-level effects,” she said. “It is just off the chart as far as what we typically see with these events.”
Alaska Dispatch News, Dec 30, 2015: Normally found skimming the North Pacific, seabirds known as common murres are appearing inland… starving and unable to fly… [Biologists] say the seabirds may already be pushing away from the ocean in a desperate quest to find food… [It’s] part of a widespread seabird die-off up and down the Pacific coast, possibly due to shortages of squid, krill and little fish the birds usually eat.
KTOO, Dec 26, 2015: Seabird die-offs have been recorded all along the West Coast of the U.S. in Washington, Oregon and California this year… “Based on the duration of the time that we’ve had carcasses being reported to us, I would say, it’s into the thousands, certainly, throughout Kachemak Bay,” [??] Slater said… They’ve also had reports of dead tufted puffins, horned puffins and an ancient murrelet…
Seward City News, Dec 30, 2015: It’s hard to miss the bloody bird carcasses strewn about town… None of this is normal… Alarming numbers of seabird die-offs are also occurring this year from California up the coast to the Gulf of Alaska.
Seward City News, Nov 16, 2015: It’s hard to miss the many seabird carcasses scattered along the beach, and in town… [Many] paddle lethargically as if in a daze… Murres are also acting strange in other ways, paddling towards people and other birds, not recognizing danger.
http://www.thenuclearproctologist.org/ The entire 200 kilometers we checked of Canadian Pacific Coast Line was devoid of all life , recovery is highly unlikely . This presentation will be followed tonight with a Q & A session at 8 pm pacific Canada time on this same site beautifulgirlbydana . Watch the live presentation Aug
This Settlement Agreement (“Agreement”) is entered into between the United States
acting through the United States Department of Justice (“Department of Justice”), along with the
States of California, Delaware, Illinois, and New York and the Commonwealth of Massachusetts,
acting through their respective Attorneys General (collectively, “the States”), and Citigroup Inc.
(“Citigroup”). The United States, the States, and Citigroup are collectively referred to herein as
A. The Department of Justice conducted investigations of the packaging, marketing,
sale, structuring, arrangement, and issuance of residential mortgage-backed securities (“RMBS”)
and collateralized debt obligations (“CDOs”) by Citigroup between 2006 and 2007. Based on
those investigations, the United States believes that there is an evidentiary basis to compromise
potential legal claims by the United States against Citigroup for violations of federal laws in
connection with the packaging, marketing, sale, structuring, arrangement, and issuance of RMBS
B. The States, based on their independent investigations of the same conduct, believe
that there is an evidentiary basis to compromise potential legal claims by California, Delaware,
Illinois, Massachusetts, and New York against Citigroup for state law violations in connection
with the packaging, marketing, sale, structuring, arrangement, and issuance of RMBS and CDOs.
C. Citigroup has resolved claims filed by the Federal Deposit Insurance Corporation
as Receiver for Strategic Capital Bank, and the Federal Deposit Insurance Corporation as
Receiver for Colonial Bank (collectively, “FDIC”), alleging violations of federal and state
securities laws in connection with private-label RMBS issued, underwritten, and/or sold by
Citigroup. The terms of the resolution of those claims are memorialized in a separate agreement,
attached as Exhibit A.
D. Citigroup acknowledges the facts set out in the Statement of Facts set forth in
Annex 1, attached and hereby incorporated.
E. In consideration of the mutual promises and obligations of this Agreement, the
Parties agree and covenant as follows:
TERMS AND CONDITIONS
1. Payment. Citigroup shall pay a total amount of $4,500,000,000.00 to resolve pending
and potential legal claims in connection with the packaging, marketing, sale, structuring,
arrangement, and issuance of RMBS and CDOs by Citigroup (“Settlement Amount”). As set out
below, $4,000,000,000.00 of that amount will be deposited in the United States Treasury and the
remainder is paid to resolve the claims of the States and the FDIC, pursuant to the subsequent
provisions of this Paragraph 1.
A. Within fifteen business days of receiving written payment processing instructions
from the Department of Justice, Office of the Associate Attorney General, Citigroup shall pay
$4,208,250,000.00 of the Settlement Amount by electronic funds transfer to the Department of
i. $4,000,000,000.00 of the Settlement Amount, and no other amount, is a civil
monetary penalty recovered pursuant to the Financial Institutions Reform,
Recovery and Enforcement Act of 1989 (“FIRREA”), 12 U.S.C. § 1833a. It will
be deposited in the General Fund of the United States Treasury.
ii. $208,250,000.00 and no other amount, is paid by Citigroup in settlement of the
claims of the FDIC identified in Recital Paragraph C, pursuant to the settlement
agreement attached hereto as Exhibit A, the terms of which are not altered or
affected by this Agreement.
B. $102,700,000.00, and no other amount, will be paid by Citigroup to the State of
California pursuant to Paragraph 6, below, and the terms of written payment instructions from
the State of California, Office of the Attorney General. Payment shall be made by electronic
funds transfer within fifteen business days of receiving written payment processing instructions
from the State of California, Office of the Attorney General.
C. $7,350,000.00, and no other amount, will be paid by Citigroup to the State of
Delaware pursuant to Paragraph 7, below, and the terms of written payment instructions from the
State of Delaware, Office of the Attorney General. Payment shall be made by electronic funds
transfer within fifteen business days of receiving written payment processing instructions from
the State of Delaware, Office of the Attorney General.
D. $44,000,000.00, and no other amount, will be paid by Citigroup to the State of
Illinois pursuant to Paragraph 8, below, and the terms of written payment instructions from the
State of Illinois, Office of the Attorney General. Payment shall be made by electronic funds
transfer within fifteen business days of receiving written payment processing instructions from
the State of Illinois, Office of the Attorney General.
E. $45,700,000.00, and no other amount, will be paid by Citigroup to the
Commonwealth of Massachusetts pursuant to Paragraph 9, below, and the terms of written
payment instructions from the Commonwealth of Massachusetts, Office of the Attorney General.
Payment shall be made by electronic funds transfer within fifteen business days of receiving
written payment processing instructions from the Commonwealth of Massachusetts, Office of the
F. $92,000,000.00, and no other amount, will be paid by Citigroup to the State of
New York pursuant to Paragraph 10, below, and the terms of written payment instructions from
the State of New York, Office of the Attorney General. Payment shall be made by electronic
funds transfer within fifteen business days of receiving written payment processing instructions
from the State of New York, Office of the Attorney General.
2. Consumer Relief. In addition, Citigroup shall provide $2.5 billion worth of consumer
relief as set forth in Annex 2, attached and hereby incorporated as a term of this Agreement. The
value of consumer relief provided shall be calculated and enforced pursuant to the terms of
Annex 2. An independent monitor will be appointed to determine whether Citigroup has
satisfied the obligations contained in this Paragraph (such monitor to be Thomas J. Perrelli), and
any costs associated with said Monitor shall be borne by Citigroup.
3. Covered Conduct. “Covered Conduct” as used herein is defined as the creation,
pooling, structuring, arranging, formation, packaging, marketing, underwriting, sale, or issuance
prior to January 1, 2009 by Citigroup of the RMBS and CDOs identified in Annex 3, attached
and hereby incorporated. Covered Conduct includes representations, disclosures, or nondisclosures
to RMBS investors made in connection with the activities set forth above about the
underlying residential mortgage loans, where the representation or non-disclosure involves
information about or obtained during the process of originating, acquiring, securitizing,
underwriting, or servicing residential mortgage loans included in the RMBS identified in
Annex 3. Covered Conduct also includes representations, disclosures, or non-disclosures made
in connection with the activities set forth above about the CDOs identified in Annex 3, attached
and hereby incorporated. Covered Conduct does not include: (i) conduct relating to the
origination of residential mortgages, except representations or non-disclosures to investors in the
RMBS listed in Annex 3 about origination of, or about information obtained in the course of
originating, such loans; (ii) origination conduct unrelated to securitization, such as soliciting,
aiding or abetting borrower fraud; (iii) the servicing of residential mortgage loans, except
representations or non-disclosures to investors in the RMBS listed in Annex 3 about servicing, or
information obtained in the course of servicing, such loans; or (iv) representations or nondisclosures
made in connection with the trading of RMBS, except to the extent that the
representations or non-disclosures are in the offering materials for the underlying RMBS listed in
4. Cooperation. Until the date upon which all investigations and any prosecution arising
out of the Covered Conduct are concluded by the Department of Justice, whether or not they are
concluded within the term of this Agreement, Citigroup shall, subject to applicable laws or
regulations: (a) cooperate fully with the Department of Justice (including the Federal Bureau of
Investigation) and any other law enforcement agency designated by the Department of Justice
regarding matters arising out of the Covered Conduct; (b) assist the Department of Justice in any
investigation or prosecution arising out of the Covered Conduct by providing logistical and
technical support for any meeting, interview, grand jury proceeding, or any trial or other court
proceeding; (c) use its best efforts to secure the attendance and truthful statements or testimony
of any officer, director, agent, or employee of any of the entities released in Paragraph 5 at any
meeting or interview or before the grand jury or at any trial or other court proceeding regarding
matters arising out of the Covered Conduct; and (d) provide the Department of Justice, upon
request, all non-privileged information, documents, records, or other tangible evidence regarding
matters arising out of the Covered Conduct about which the Department or any designated law
enforcement agency inquires.
5. Releases by the United States. Subject to the exceptions in Paragraph 12 (“Excluded
Claims”), and conditioned upon Citigroup’s full payment of the Settlement Amount (of which
$4 billion will be paid as a civil monetary penalty pursuant to FIRREA, 12 U.S.C. § 1833a), and
Citigroup’s agreement, by executing this Agreement, to satisfy the terms in Paragraph 2
(“Consumer Relief”) and Paragraph 4 (“Cooperation”), the United States fully and finally
releases Citigroup and each of its current and former subsidiaries and affiliated entities
(collectively, the “Released Entities”), and each of their respective successors and assigns from
any civil claim the United States has against the Released Entities for the Covered Conduct
arising under FIRREA, 12 U.S.C. § l833a; the False Claims Act, 31 U.S.C. §§ 3729, et seq.; the
Program Fraud Civil Remedies Act, 31 U.S.C. §§ 3801, et seq.; the Racketeer Influenced and
Corrupt Organizations Act, 18 U.S.C. §§ 1961, et seq.; the Injunctions Against Fraud Act, 18
U.S.C. § 1345; common law theories of negligence, payment by mistake, unjust enrichment,
money had and received, breach of fiduciary duty, breach of contract, misrepresentation, deceit,
fraud, and aiding and abetting any of the foregoing; or that the Civil Division of the Department
of Justice has actual and present authority to assert and compromise pursuant to 28 C.F.R.
6. Releases by the California Attorney General. Subject to the exceptions in
Paragraph 12 (Excluded Claims), and conditioned solely upon Citigroup’s full payment of the
Settlement Amount (of which $102,700,000.00 will be paid to the Office of the California
Attorney General, in accordance with written payment instructions from the California Attorney
General, to remediate harms to the State, pursuant to California Government Code §§ 12650-
12656 and 12658, allegedly resulting from unlawful conduct of the Released Entities), the
California Attorney General fully and finally releases the Released Entities from any civil or
administrative claim for the Covered Conduct that the California Attorney General has authority
to bring, including but not limited to: California Corporate Securities Law of 1968, Cal.
Corporations Code § 25000 et seq., California Government Code §§ 12658 and 12660 and
California Government Code §§ 12650-12656, common law theories of negligence, payment by
mistake, unjust enrichment, money had and received, breach of fiduciary duty, breach of
contract, misrepresentation, deceit, fraud and aiding and abetting any of the foregoing. The
California Attorney General executes this release in her official capacity and releases only claims
that the California Attorney General has the authority to release for the Covered Conduct. The
California Attorney General agrees that no portion of the funds in this paragraph is received as a
civil penalty or fine, including, but not limited to any civil penalty or fine imposed under
California Government Code § 12651. The California Attorney General and Citigroup
acknowledge that they have been advised by their attorneys of the contents and effect of Section
1542 of the California Civil Code (“Section 1542”) and hereby expressly waive with respect to
this Agreement any and all provisions, rights, and benefits conferred by Section 1542.
7. Releases by the State of Delaware. Subject to the exceptions in Paragraph 12
(Excluded Claims), and conditioned solely upon Citigroup’s full payment of the Settlement
Amount (of which $7,350,000.00 will be paid to the State of Delaware, in accordance with
written payment instructions from the State of Delaware, Office of the Attorney General, to
remediate harms to the State allegedly resulting from unlawful conduct of the Released Entities),
the Delaware Department of Justice fully and finally releases the Released Entities from any civil
or administrative claim for the Covered Conduct that it has authority to bring, including but not
limited to: 6 Del. C. Chapter 12 (the Delaware False Claims and Reporting Act), 6 Del. C.
§§ 2511 et seq. (the Delaware Consumer Fraud Act), 6 Del. C. Chapter 73 (the Delaware
Securities Act), and common law theories of negligence, payment by mistake, unjust enrichment,
money had and received, breach of fiduciary duty, breach of contract, misrepresentation, deceit,
fraud and aiding and abetting any of the foregoing. The State of Delaware agrees that no portion
of the funds in this paragraph is received as a civil penalty or fine, including, but not limited to
any civil penalty or fine imposed under 6 Del. C. § 1201 or § 2522.
8. Releases by the State of Illinois. Subject to the exceptions in Paragraph 12 (Excluded
Claims), and conditioned solely upon Citigroup’s full payment of the Settlement Amount (of
which $44,000,000.00 will be paid to the State of Illinois, Office of the Attorney General, in
accordance with the written payment instructions from the State of Illinois, Office of the
Attorney General, to remediate harms to the State allegedly resulting from unlawful conduct of
the Released Entities), the Illinois Attorney General of the State of Illinois fully and finally
releases the Released Entities from any civil or administrative claim for the Covered Conduct
that it has authority to bring, including but not limited to: Illinois Securities Law of 1953, 815
Ill. Comp. Stat. 5/1 et seq., and common law theories of negligence, payment by mistake, unjust
enrichment, money had and received, breach of fiduciary duty, breach of contract,
misrepresentation, deceit, fraud and aiding and abetting any of the foregoing. The State of
Illinois agrees that no portion of the funds in this paragraph is received as a civil penalty or fine.
9. Releases of the Commonwealth of Massachusetts. Subject to the exceptions in
Paragraph 12 (Excluded Claims), and conditioned solely upon Citigroup’s full payment of the
Settlement Amount (of which $45,700,000.00 will be paid to the Commonwealth of
Massachusetts, in accordance with the written payment instructions from the Commonwealth of
Massachusetts, to remediate harms to the Commonwealth allegedly resulting from unlawful
conduct of the Released Entities), the Attorney General of the Commonwealth of Massachusetts
fully and finally releases the Released Entities from any civil claim for the Covered Conduct that
she has authority to bring, including but not limited to: M.G.L. c. 93A, M.G.L. c. 12, and
common law theories of negligence, payment by mistake, unjust enrichment, money had and
received, breach of fiduciary duty, breach of contract, misrepresentation, deceit, fraud and aiding
and abetting any of the foregoing. The payment to the Commonwealth of Massachusetts shall be
made to a trustee chosen by the Commonwealth, which shall hold the monies and distribute them
as directed by the Massachusetts Office of the Attorney General for consumer relief,
compensation to the Commonwealth and its entities, and pursuant to M.G.L. c. 12 § 4A,
implementation of this Agreement and related purposes. Funds or portions of the funds
remaining in the trust after 90 days, at the discretion of the Massachusetts Office of the Attorney
General, may be transferred to the Massachusetts Treasury. The Commonwealth of
Massachusetts agrees that no portion of the funds in this paragraph is received as a civil penalty
10. Releases by the State of New York. Subject to the exceptions in Paragraph 12
(Excluded Claims), and conditioned solely upon Citigroup’s full payment of the Settlement
Amount (of which $92,000,000.00 will be paid to the State of New York, in accordance with
written payment instructions from the State of New York, Office of the Attorney General, to
remediate harms to the State allegedly resulting from unlawful conduct of the Released Entities),
the State of New York, by Eric T. Schneiderman, Attorney General of the State of New York,
fully and finally releases the Released Entities from any civil or administrative claim for the
Covered Conduct that it has authority to bring, including but not limited to any such claim
under: New York General Business Law Article 23A, New York Executive Law § 63(12), and
common law theories of negligence, payment by mistake, unjust enrichment, money had and
received, breach of fiduciary duty, breach of contract, misrepresentation, deceit, fraud and aiding
and abetting any of the foregoing. The payment to the State of New York shall be used, to the
maximum extent possible, for purposes of redeveloping and revitalizing housing and home
ownership and rebuilding communities in the State, and for programs intended to avoid
preventable foreclosures, to ameliorate the effects of the foreclosure crisis, to provide funding for
housing counselors and legal assistance, housing remediation and anti-blight projects, for code
enforcement, and to enhance law enforcement efforts involving financial fraud or unfair or
deceptive acts or practices. The State of New York agrees that no portion of the funds in this
paragraph is received as a civil penalty or fine.
11. Releases by the FDIC. The release of claims by the FDIC is contained in a separate
settlement agreement with Citi, attached as Exhibit A. Any release of claims by the FDIC is
governed solely by that separate settlement agreement.
12. Excluded Claims. Notwithstanding the releases in Paragraphs 5-11 of this Agreement,
or any other term(s) of this Agreement, the following claims are specifically reserved and not
released by this Agreement:
a. Any criminal liability;
b. Any liability of any individual;
c. Any liability arising under Title 26 of the United States Code (the Internal
d. Any liability to or claims of the FDIC (in its capacity as a corporation, receiver, or
conservator), except as expressly set forth in the separate agreement with the
e. Any claim related to compliance with the National Mortgage Settlement
(“NMS”), or to compliance with the related agreements reached between the
settling banks and individual states;
f. Any liability to or claims of the United States of America, the Department of
Housing and Urban Development/Federal Housing Administration, the
Department of Veterans Affairs, or Fannie Mae or Freddie Mac relating to whole
loans insured, guaranteed, or purchased by the Department of Housing and Urban
Development/Federal Housing Administration, the Department of Veterans
Affairs, or Fannie Mae or Freddie Mac, except claims based on or arising from
the securitizations of any such loans in the RMBS or CDOs listed in Annex 1.
g. Any administrative liability, including the suspension and debarment rights of any
h. Any liability based upon obligations created by this Settlement Agreement;
i. Any liability for the claims or conduct alleged in the following qui tam actions,
and no setoff related to amounts paid under this Agreement shall be applied to any
recovery in connection with any of these actions:
(i) United States, et al. ex rel. Szymoniak v. American Home Mortgage
Servicing, Inc. et al., No. 0:10-cv-01465-JFA (D.S.C.), and United States
ex rel. Szymoniak v. ACE Securities Corp. et al., No. 13-cv-464-JFA
(ii) United States ex rel. [Sealed] v. [Sealed], as disclosed to Citigroup;
j. Claims raised in Commonwealth of Massachusetts v. Bank of America, N.A., et
al., Civ. No. 11-4363 (BLS1)(Massachusetts Suffolk Superior Court); and
k. Any claims related to the alleged manipulation of the London Interbank Offered
Rate or other currency benchmarks.
13. Releases by Citigroup. Citigroup and any current or former affiliated entity and any of
their respective successors and assigns fully and finally release the United States and the States,
and their officers, agents, employees, and servants, from any claims (including attorney’s fees,
costs, and expenses of every kind and however denominated) that Citigroup has asserted, could
have asserted, or may assert in the future against the United States and the States, and their
officers, agents, employees, and servants, related to the Covered Conduct and the investigation
and civil prosecution to date thereof.
14. Waiver of Potential FDIC Indemnification Claims by Citi. Citigroup hereby
irrevocably waives any right that it otherwise might have to seek (and in any event agrees that it
shall not seek) any form of indemnification, reimbursement or contribution from the FDIC in any
capacity, including the FDIC in its Corporate Capacity or the FDIC in its Receiver Capacity for
any payment that is a portion of the Settlement Amount set forth in Paragraph 1 of this
Agreement or of the Consumer Relief set forth in Paragraph 2 of this Agreement, including
payments to the United States and the States made pursuant to Paragraphs 1 and 2 of this
15. Waiver of Potential Defenses by Citigroup. Citigroup and any current or former
affiliated entity (to the extent that Citigroup retains liability for the Covered Conduct associated
with such affiliated entity) and any of their respective successors and assigns waive and shall not
assert any defenses Citigroup may have to any criminal prosecution or administrative action
relating to the Covered Conduct that may be based in whole or in part on a contention that, under
the Double Jeopardy Clause in the Fifth Amendment of the Constitution, or under the Excessive
Fines Clause in the Eighth Amendment of the Constitution, this Agreement bars a remedy sought
in such criminal prosecution or administrative action.
16. Unallowable Costs Defined. All costs (as defined in the Federal Acquisition Regulation,
48 C.F.R. § 31.205-47) incurred by or on behalf of Citigroup, and its present or former officers,
directors, employees, shareholders, and agents in connection with:
a. the matters covered by this Agreement;
b. the United States’ audit(s) and civil investigation(s) of the matters covered by this
c. Citigroup’s investigation, defense, and corrective actions undertaken in response
to the United States’ audit(s) and civil and any criminal investigation(s) in
connection with the matters covered by this Agreement (including attorney’s
d. the negotiation and performance of this Agreement; and
e. the payment Citigroup makes to the United States pursuant to this Agreement, are
unallowable costs for government contracting purposes (hereinafter referred to as
17. Future Treatment of Unallowable Costs. Unallowable Costs will be separately
determined and accounted for by Citigroup, and Citigroup shall not charge such Unallowable
Costs directly or indirectly to any contract with the United States.
18. This Agreement is governed by the laws of the United States. The Parties agree that the
exclusive jurisdiction and venue for any dispute relating to this Agreement is the United States
District Court for the Eastern District of New York.
19. The Parties acknowledge that this Agreement is made without any trial or adjudication or
finding of any issue of fact or law, and is not a final order of any court or governmental
20. Each Party shall bear its own legal and other costs incurred in connection with this
matter, including the preparation and performance of this Agreement.
21. Each party and signatory to this Agreement represents that it freely and voluntarily enters
into this Agreement without any degree of duress or compulsion.
22. Nothing in this Agreement in any way alters the terms of the NMS, or Citigroup’s
obligations under the NMS.
23. Nothing in this Agreement constitutes an agreement by the United States concerning the
characterization of the Settlement Amount for the purposes of the Internal Revenue laws,
Title 26 of the United States Code.
24. For the purposes of construing the Agreement, this Agreement shall be deemed to have
been drafted by all Parties and shall not, therefore, be construed against any Party for that reason
in any dispute.
25. This Agreement constitutes the complete agreement between the Parties. This
Agreement may not be amended except by written consent of the Parties.
26. The undersigned counsel represent and warrant that they are fully authorized to execute
this Agreement on behalf of the persons and entities indicated below.
27. This Agreement may be executed in counterparts, each of which constitutes an original
and all of which constitute one and the same Agreement.
28. This Agreement is binding on Citigroup’s successors, transferees, heirs, and assigns.
29. All parties consent to the disclosure to the public of this Agreement, and information
about this Agreement, by Citigroup, the United States, the States, and the FDIC whose separate
settlement agreement is referenced herein and attached as an exhibit to this Agreement.
30. This Agreement is effective on the date of signature of the last signatory to the
Agreement (“Effective Date of this Agreement”). Facsimiles of signatures shall constitute
acceptable, binding signatures for purposes of this Agreement.
For the California Department of Justice:
California Attorney General
California Department of Justice
455 Golden Gate, Suite 1000
San Francisco, CA 941 02
Phone: (415) 703-5500
Dated: 7 I!J I/ [ I I
For the State of Illinois:
Attorney General State of Illinois
500 South Second Street .
Springfield, IL 62706
Phone: (217) 782-1090
Dated: -vr, I’1 I L1)’ 2A> /,,( —–f—-‘——–.,
For the Commonwealth of Massachusetts:
Office of the Attorney General
Attorney General Martha Coakley
Assistant Attorney General
One Ashburton Place
Boston, MA 02108
So, they claim puzzling? Hell just last week, they said the same thing about the “Very strong quake” that hit the New Mexico border near the WIPP nuclear facility. Puzzling? That is a hell of a way to look at it. Damn people, the globalists and the government have ganged up on the American people. We are just a skip and a hop from extinction, and they call it puzzling when something happens, at a nuclear site.
CAN WE SAY HARP? What do you think, we have a government, that claims by the year 2025 they will finally understand how to control the weather. Till then, all hell will cut loose, while they extinct us, while they learn wtf they are doing!
Think about the WIPP site for a few minutes. Ever since the “accident” first happened, the government has insisted that the little bit of radiation that escaped, could hurt no one. That was what? February? Each month, they have let it slip that it was a little more than they first let on. Last night, I posted where they have been releasing the hell out of plutonium and americium, on a continuous basis. I guess since no one has kicked over dead yet, they will just keep letting it escape, cause they claim that they don’t know what to do about it.
Sounds familiar. I could have sworn that was the same thing that Tepco said about Fukushima, and that one is going to radiate the whole world. Tepco could not figure out what to do, so they did nothing. The worst disaster mankind will ever have to face. But Wait!!! Maybe no, the good ole USA might just step up to meet them.
Damn it, the Russians wasted no time on Chernobyl. We have the Japanese sitting with their thumbs up their butts for three and a half years now. 3.5 Years, 40 months!?! Now here we are, five months 5 months, almost half a year, and we cannot figure out what to do. What? Our scientists suddenly became brain dead? The scientists have all turned into sheeple like the rest of the country?
So now, our stupid, irresponsible asses, have puzzling earthquakes at nuclear power plants, causing another catastrophe. I guess no one can figure out that they need to turn the reactors off, and quit using the damned things. We are not responsible enough to use nuclear anything. I read and hear about people being “dumbed down”, but I had no idea that our scientists were getting dumber too.
Then we have Georgia Power Company/Southern Company building more nuclear plants, and we Georgians are paying for them right now, and they won’t even be in working conditions, or their power used in our areas, and we are forced to pay for the construction.
No! We are nowhere near responsible enough to be playing with radiation. We have already killed the Pacific Ocean. Ok now, everyone think back to Grammer school. What did they teach us? That once the oceans die, we die. Period. Got that? We are on the slow radiation death, a death that will extinct humans.
NHK WORLD, Jul. 7, 2014: No prospect to resume cooling No.5 fuel pool — The operator of the Fukushima Daiichi nuclear power plant says it has no idea when it can resume the cooling system for one of the spent fuel pools. [TEPCO] halted the cooling system at the No.5 reactor on Sunday after workers found seawater leaking from a pipe. Seawater is used to lower the temperature ofcoolant water […] they are still considering how to repair the pipe. […] TEPCO says the temperature will reach the company’s safety limit of 65 degrees in a little over a week. The operator plans to channel seawater into the pool to curb the rise in temperature.
Fox News, Jul. 7, 2014: Leak at Fukushima nuclear plant threatens dangerous meltdown — Trouble is looming at Japan’s Fukushima nuclear plant, as a leak has forced the shutdown of a cooling system that could cause temperatures to exceed dangerous levels. […] If the system is not repaired within the next nine days, temperatures are expected to soar […] Sunday, the temperature in the pool that holds the rods was about 73 degrees Fahrenheit but started increasing by 0.193 degrees per hour, TEPCO says. If no new cold water is pumped in at this rate, it will reach the dangerous threshold of 149 degrees (F) in roughly the next week. Such temperatures would increase the possibility of dangerous reactions and more radiation leaks in the plant.
Officials: Leakage seen on “many” nuclear waste drums in WIPP underground — We think the seals have degraded — Public “should be concerned” about another explosion — 1,000s of radioactive drums now seen as too risky to move (VIDEO)
AP, June 11, 2014 (emphasis added): Scientists investigating a mysterious radiation leak at the federal government’s underground nuclear waste dump have identified five other potentially explosive containers of waste from Los Alamos National Laboratory that are being stored at a site in West Texas, New Mexico Environment Secretary Ryan Flynn told a legislative panel Tuesday. […] Asked if the public should be worried, Flynn said: “Every member of the community should be concerned. … But I don’t think they should be worried. I don’t think people should be panicked about another drum exploding because we required (the U.S. Department of Energy) to plan for that and have a system in place to protect the public.” […] The Department of Energy has dozens of the world’s finest scientists trying to identifying what type of reaction could have caused the leak, Flynn said after the hearing. But he estimated it would be months before a definitive cause is determined. Until then, Flynn said, it is hard to speculate on what if any action can be taken to finish getting the last of thousands of barrels of decades-old waste off the Los Alamos campus in northern New Mexico. […] given the uncertainty of what caused the radiation leak, transporting the waste now is seen as too risky. Flynn said it also remains unclear how long the Waste Isolation Pilot Plant will be closed or how long it will take the [WIPP] plant to seal off the rooms where more than 350 other barrels of suspect waste from Los Alamos are currently stored.
Question: Have you all identified if it’s one drum, 20 drums, three drums? I’ve been hearing one drum a lot…
Dana Bryson, Deputy Manager for the Dept. of Energy’s Carlsbad Field Office (CBFO manages DOE’s WIPP program): Well, we have one drum, that is pretty clear. We have other possibilities — and if you look at the pictures… you’ll see weepage on many containers in the heat-affected area. What we’re postulating is that the seals have basically degraded. So those could be potential sources from that aspect as well.
Question: And could the denigration of any one particular drum have impacts on other adjacent drums?
Pacific “Horror Show”, From Mexico To Alaska: Millions/Tons Creatures Dying
The horror show of death continues from approx 2011 onwards… it’s not the death that is horrific… while it very unfortunate…it’s the lack of response from billions of people… who feel they can not do anything…
It is time for each of us, to do more.. to envision a clean planet… your visions of a clean planet, are more important than envisioning a dirty planet… we already achieved that… now we use our ability to envision, to clean up this joint! Are you powerful enough to envision something that the majority are unable to envision?
Watch the mainstream media come up with syndrome and causes…. anything BUT FUKUSHIMA RADIATION.
Use the violet flame!
How Does the Violet Flame Work?
Saint Germain explains that the violet flame has the ability to change physical conditions because, of all the flames, the violet is closest in vibratory action to the components of matter. “The violet flame can combine with any molecule or molecular structure, any particle of matter known or unknown, and any wave of light, electron or electricity,” he says. Wherever people gather together to give violet-flame prayers, “there you notice immediately an improvement in physical conditions.”
Globe and Mail, Feb. 27, 2014: Mystery surrounds massive die-off of oysters and scallops off B.C. coast […] Something is killing oysters and scallops in dramatic numbers […] The cause is unknown, but ocean acidification is the main suspect. […] last year, nearby Pendrell Sound had a massive die-off of wild oysters. […] [Rob Saunders, CEO of Island Scallops] has lost 10 million scallops over the past two years, and smaller companies have had similar problems. Mr. Saunders is pushing for a research project to find out what’s happening. […] one of BC’s biggest suppliers of fresh seafood, said the scallop die-off has rung alarm bells.
CBC, Feb. 25, 2014: The deteriorating health of B.C.’s oceans […] Millions of shellfish are dying off before they can be harvested at Island Scallops […] researchers will try to determine if acidification is to blame or if other factors are at play.
‘Mystery disease’ on Pacific coast of Alaska — Livers ‘crumble’… Hearts enlarged, pale… Yellow lymph nodes… Blood-filled lungs (PHOTOS) — Professor: Worrying there’s no answers, big public health concern — Testing carcasses for Fukushima radioactivity (AUDIO)
KNOM, May 14, 2014: Mysterious illness that’s been plaguing seals [first hit] the Bering Strait and the North Slope starting in the summer of 2011. Up to 300 seals were found suffering from hair loss, skin sores, and unusually lethargic behavior. Dozens of walruses were also found with similar sores [causing] marine mammal regulators to declare an Unusual Mortality Event […] walrus have been taken off the UME […] Seals [are still] displaying hair loss […] University of Alaska Fairbanks have begun testing infected seal carcasses for [Fukushima] radiation […] Results should be released in July.
NOAA (pdf), May 12, 2014: UME will remain open for ice seals (ringed seals, ribbon seals, bearded seals, spotted seals) — based on continued reports of […] disease symptoms
Alaska Dispatch, May 13, 2014: An investigation into a mysterious disease that caused skin lesions and hair loss among Alaska and Russian walruses has been closed without identifying the root cause […] The potential causes looked into […] infections and endocrine disruptions. Also investigated was the possibility of contamination from the Fukushima nuclear plant […] A preliminary investigation in 2012 concluded that radioactive contamination was not the likely cause. Investigators are now looking at the possibility of multiple causes [according to NOAA,] “the theory is that a number of factors contributed to the illness.”
HBO: ‘Genetic passports’ for major population exposed to nuclear radiation? “It has deformed their genes, sorry it’s a bit of a bummer” — Twins attached by organs growing outside body, ’1-eyed cyclops’, babies with giant heads… “they respond to the people around them” (GRAPHIC PHOTOS & VIDEO)
VICE, by Thomas Morton, May 4, 2014: “How Fucked Are Nukes? […] way worse than Hollywood has the special effects to depict. A lot of mainstream accounts […] soft-pedal the body horror that acute radiation poisoning causes […] eyewitness testimony from Robert Jay Lifton’s Hiroshima classic Death in Life: […] “at a glance you couldn’t tell whether you were looking at them from in front or in back […] very young girls, not only with their clothes torn off but with their skin peeled off as well. My immediate thought was that this was like the hell I had always read about.” […] If you haven’t already gone to the bathroom to slit your wrists […] VICE on HBO covers the second major population intentionally exposed to atomic radiation—the Kazakhs living around the Semipalatinsk Testing Polygon, where the Soviet Union tested 456 nuclear bombs.
Debrief: Genetic Passport (VICE on HBO)
While they weren’t close enough to the blasts to experience the sort of immediate deformities [suffered by the Japanese –] It deformed their genes. Sorry it’s a bit of a bummer.”
Japan Times: “Radiation has spiked to all-time highs” in ocean off Fukushima plant — Jiji: “Record-high radiation levels have been observed” Tepco says — Officials: “Cause of seawater spike is unknown”
Jiji Press, May 16, 2014: Radiation Levels Hit Record Highs in Fukushima Seawater — Record-high radiation levels have been observed at five monitoring points […] TEPCO said Friday. The findings followed a recent series of record-high levels of radiation detected in groundwater at the plant […] TEPCO officials said that the cause of the rises in seawater radiation levels is unknown. […] 1,900 becquerels per liter of tritium was detected in seawater sampled Monday from a point between the water intakes for the No. 2 and No. 3 reactors at the plant, up from the previous record high of 1,400 becquerels […] At a nearby point, tritium levels rose to 1,400 becquerels from the previous record of 1,200 becquerels.
Japan Times, May 17, 2014:Record high radiation in seawater off Fukushima plant — Radiation has spiked to all-time highs at five monitoring points in waters adjacent to the crippled Fukushima No. 1 power station [Tepco] said […] measurements follow similar highs detected in groundwater at the plant. Officials of Tepco […] said the cause of the seawater spike is unknown. […] at a point between the water intakes for the No. 1 and No. 2 reactors, seawater sampled Thursday was found to contain 840 becquerels of strontium-90, which causes bone cancer, and other beta ray-emitting isotopes, up from a previous record of 540 becquerels. At two monitoring sites outside the port, seawater was found Monday to contain 8.7 becquerels and 4.3 becquerels of tritium. The second site was about 3 km away.
CBS News: “Potential ‘imminent’ threat from New Mexico nuclear waste” — Official: Risk of “substantial endangerment” to public health — 57 barrels of nuclear waste could rupture, came from multiple gov’t labs — ‘Unclear’ how many are now at WIPP — Being monitored for rise in temperature (VIDEO)
CBS/Associated Press, May 20, 2014 (Emphasis Added): Potential “imminent” threat from New Mexico nuclear waste, officials say — Los Alamos National Laboratory packed 57 barrels of nuclear waste with a type of kitty litter believed to have caused a radiation leak at the federal government’s troubled nuclear waste dump, posing a potentially “imminent” and “substantial” threat to public health and the environment, New Mexico officials said Monday. […] two of those containers are known to be at WIPP. It doesn’t say where the rest of the barrels are […] The lab has taken a series of precautionary measures, the statement said, including packing the drums into special containers and moving them under a dome with a fire protection system. The lab is also monitoring the drums for any rise in temperature.
New Mexico Environment Department (NMED) Secretary Ryan Flynn, May 20, 2014: “Based on the evidence presented to NMED, the current handling, storage, treatment and transportation of the hazardous nitrate salt bearing waste containers at LANL may present an imminent and substantial endangerment to health or the environment.”
KUNM, May 19, 2014: Flynn on Monday gave the lab two days to submit a plan for fixing the problem, saying the barrels may “present an imminent and substantial threat” to public health and the environment.
Xinhua, May 19, 2014: Troubled U.S. nuke lab has new woes: officials — A nuclear laboratory in the U.S. state of New Mexico packed dozens of waste containers with a type of kitty litter believed to have caused a radiation leak at another nuclear facility, posing a potentially “imminent” and “substantial” threat to public health and environment, officials said Monday.
Carlsbad Current Argus, May 20, 2014 (Emphasis Added): State officials announced this week that the DOE was analyzing 57 drums of waste containing a mixture of kitty litter and nitrate salts suspected of causing a reaction that led to the radiation leak. The 57 barrels of waste originated from Los Alamos and Savannah River National Laboratory in South Carolina. The drums in question are scattered across the state at Los Alamos, WIPP and Waste Control Specialists, a private nuclear waste disposal facility in Andrews County, Texas, straddling the Texas-New Mexico border. The number of drums stored at each site is unclear […]
Crisis actors, smoke bombs, fake blood and literal “smoke and mirrors” were all part of what was the false flag terrorist attack called the Boston Marathon Bombing. To anyone who saw the pictures and footage of fake blood, make- up artists and smiling “victims”. It was obvious that something was not right. For those involved in filmmaking and in the know the discrepancies were obvious. We spoke to famous Hollywood filmmaker, producer and director Nathan Folks about why he is certain the Boston Marathon Bombing was a false flag terrorist attack.
Hello, this is John Robles. I’m speaking with Mr. Nathan Folks, he is a well known US based film and TV director and producer. He is also one of the organizers of the Worldwide Wave of Action and a truth seeker. This is part one of a longer interview.
Robles:That’s nice to hear especially after everything you have been through. Now your story is going way-back. It started with the Boston Bombing. If you can tell our listeners a little bit about what you know about that “event” and what has happened to you since.
Folks: Back in 2013 I was watching the events unfold and as a producer, you can pinpoint very specific things that didn’t seem right. And I started to realize that we are watching yet another false flag event unfold. And as I started putting the pieces together I realized that we are up against an environment that is trying to create a fear factor in the media. And the fear factor is to keep us scared and to keep us in fear as long as they can.
And the events that I know to be true, including the “Boston hero” who was a person in my last film, “The prosecution of an American president” and his wife, I started to recognize that this was not an event that was at all 100% true.
Robles:What about this Boston hero? What role did he play?
Folks: He is actually a father that had lost a son in the Iraq War and he was part of our film and a part of the movement, you know, of exposing the truth about Iraq and talking about the things that the Bush Administration did during those years of his administration.
And I was blown away at the fact that he was essentially being used to act in this fake environment, this hyper-reality scene of a terrorism that never happened.
Robles:Now, can you tell us three things here if you could. You used the term “Hyper-Reality” what is that and how is it used? And what is a “Crisis Actor”? Many people may still not know what that is. And if you could, detail for the listeners, some of the things that you saw as far as screens being put up as for the false stages being set up where things were filmed and stuff?
Folks: I will start up by saying that if there was an injury or a death in the event that unfolded my heart goes out to those families. But from the people that I know that were involved, from the people that were in the scenes that we call Hyper-Reality Filmmaking, which is a very common thing you do in the military.
It’s where filmmakers, or people, create a hyper-reality scene so that the military can be well-adjusted to a real scene in Iraq or any other kind of war zone.
This is where these people are actually able to see and feel and help what they think is a real injured person whereas it is really just an amputee that is playing as a crisis actor, and (in this case) a crisis actor being someone that had lost their limbs but a makeup artist has been able to re-enact a bloody scene with “no leg blown off” and this hyper reality scene, so that when we are now on the ground, they actually see and feel like they are in a war zone.
And I’m watching this unfold on the streets of Boston and thinking, one: how were they able to get away with that? And two: watching the edits and the supposedly live television broadcasting we were seeing, it wasn’t “live” at all, it was edited.
Robles:How you know? What did you see? What were the clues you saw?
Folks: Well, there were a lot of things. In live footage you don’t see cuts. You know, cutting from one scene to another and in live footage you don’t have, especially now, this wasn’t in 2013 HD technology, this was in old technology from 2002, because it is grainer and you can’t see the edits as well.
As a filmmaker that what I would do if I was trying to reenact something like that and…
Robles:I’m sorry. Can you be more specific? I didn’t quite follow that. So it was made using old technology?
Folks: It’s using an older technology that is grainer. So you can’t see the very true HD quality and you are watching… If you look back at any old footage from early 2000 or even the 1990s, it is very grainy and when you are watching it on a new technology television with latest plasma and HD and any kind of new technology you can see that it was edited.
Robles:So television stations at that time, they were using modern technology?
Folks: They were definitely using modern technology last year. It’s just when you see pictures from 2013 that were in HD and then you look at clips and cuts of the footage from television, it is very obvious that it was used on purpose.
Robles:Can you tell us a little bit about some of the scenes. I’m sure a lot of people who were interested in what really happened, they saw some of the pictures, for example: the amputee with sticks, apparently sticking out of his legs or something, and blood that looked like paint, I mean, I have seen blood, I worked in a hospital, I know what blood looks like, it’s dark, it’s brownish red and this was this bright red paint. Can you tell us about that?
Folks: I think even more of an obvious situation is that: you get your legs blown off you are not going to be out in front of millions of people celebrating Boston at a hockey game or any type of arena. I think the emotional impact of losing your legs would probably keep you out of the public eye for at least a year. And that was the biggest obvious example to me, but as far as anyone that has been in the paramedics or nursing would know, that if you blow your legs off, you are not supposed to moved.
If someone’s falls here on Wilshire, just falls down, they tell you not to move, they are not supposed to move them. They could have broken a bone or a neck; their spine could be dislocated. You don’t move them and you certainly don’t put them in a wheelchair and run them down the road.
And it is just taking this to a whole different comical level that the fact that they think we all buy this, and that we are all going to sit here and watch it happen over and over again, you know, they have another thing coming. That’s why I joined forces with the Worldwide Wave of Action because you know; the truth has to come out. And people are not going to sit here and watch them make a mockery of ourselves.
Everybody around the world knows Boston Bombing was a joke; everyone in the US has been fed lies and lies after lies and it started in 9-11 and it hasn’t stopped.
Robles:Can you tell us… you sent me some pictures of these screens that you could actually see the road like “moving up”, it was like a mirror or something. Can you tell us about those?
Folks: You mean as far as the 3D… the Green Screen that they used at the Boston Bombing?
Robles:Yeah, can you detail all that?
Folks: From what I understand, they… it looks to me like they used a second street in order to re-enact the scene, over and over, to get it right and by using Green Screen they were able to show the buildings that were actually on Boylston Street and when you use a Green Screen it is a lot like Titanic. In the movie Titanic in 1997 we are watching the film and we are watching this boat sink and we are watching the water fill into the boat and we see people falling off the boat. That is obviously not happening in real life, we are watching it on Green Screen. They are putting a digital layer behind the screen of real action people. And we are watching a boat sink in the background and that is what they did in this example.
They just did it on television. We are watching green screen on television to re-enact a street scene that happened for real, but just a smoke bomb but when they re-enacted the people that were hurt they had to add the blood and the amputees and to put one the makeup.
You can see the person putting makeup on these people the entire scene; I call her “The Woman in Pink”. She has literally got a makeup bag and she is going to each victim, she is not helping them! She is putting make up on them!
So I’m sorry, I’m not fooled and I’m not going to let everyone else be fooled. Someone has to speak out against it. And they can follow me, they can do whatever they want but at the end of the day the truth has to come out some time. They can’t get away with it anymore.
Robles:Now please tell us, you have been persecuted, you have been through hell, I can’t think of any other way to put it. If I can tell our listeners: you contacted me right after it happened and after that a lot of terrible things started happening to you. Can you tell us some of those things?
Folks: Well, obviously, you can’t prove anything because I was very sick. I have never been sick in my life, I have never been in the hospital, but in the days after this event and weeks after this event and me talking about it, I was in the hospital for a total of 22 days over the course of three months.
And they really couldn’t determine what it was and I couldn’t hold water, I couldn’t hold food, it was some type of poison.
I can’t say for sure that I was poisoned by someone but I can say that I had some type of poison that nearly killed me.
And it took me good 3 to 6 months to kind of rehabilitate and get back on my feet and I figured if they are trying to scare me off or they are trying to keep me down from speaking: then it was a good try but it didn’t work.
Robles:Could you tell us what has happened to some other people? There was one guy, he wrote an article, you said, questioning the reality of the Boston Bombing Marathon. And you told me about some other people who had gotten sick as well.
Folks: Yeah, there is a gentlemen that runs a website called “Natural News” and he was coming out with very similar examples that I was during that time. And just now finding out that they wrote an article about how he has gotten sick from the food, he talks about. And they took his article down and re-wrote it in the third person.
And I don’t know if he is even able to speak, but I do know that after finding some of these examples of people that were coming out at same time that I was, that they were sick and poisoned as well, makes me realize that something is going on.
Robles:When you were in the hospital you also told me some other people close to you… (Can you talk about that?) that there were some other people you knew that got sick.
Folks: Yeah, I don’t think I can go into any detail but there were several other people that had gotten sick, and that seems to be part of this coming out. Anyone that has come out about this, got sick or disappeared.
Robles:How many people have disappeared, since then?
Folks: Well, I can say that everybody that reacted to this Boston bombing, the millions and millions of people that came out on the websites, came out about the scene and about the situation, essentially were silenced because there wasn’t a word about it this year. And that just gives me more of a comforting notion that it has been silenced for someone who has gone out and done something to the people that did come out about it…
Robles:You said that Internet before we started, you said that your Internet shut down in the US, it is on lockdown or something…
Folks: I mean strange things like in one day I have a Verizon Wireless Internet and in one day over 200 GB was taken from my service, ran up 35 hundred dollar bill in a 24-hour period. And then when you contact Verizon saying that it is obviously not something that I did, they ignore me and say that I have to pay if I want my service back on. So not many people want to just pay $3,500 for no reason.
Obviously, I never turned my Internet back on. I have been working on different types of Internet on different phones but it was designed to create a situation that I would shutdown. It was a warning probably of some sort. It was so that I would stop speaking about things that I’m knowledgeable about.
Robles:You gave me a good example about Boston False Flag, if someone who did a search on Google. Can you tell us about this false bomb?
Folks: Yeah, it is just that nobody is speaking about the Boston bombing. There is nobody speaking about false flags. And in this country our web searches seem to be completely deleted. You know, during that time I downloaded everything I knew and everything I saw and I have it on hard drive and the fact that all of that is now gone and I have them on hard drive.
Robles:Everything is gone?
Folks: Somebody is trying to take it away, make it disappear. It was very bad; whoever was in charge of the Boston Bombing Campaign did a very lousy job. They need to consult with some real Hollywood producers if they are going to do anything like that again and maybe make sure that they don’t fool the nation in their process because this is absurd.
Robles:They are not very creative in doing the same thing again and again and again.
Folks: They keep getting away with it, they are getting used to be able to get with it and they are getting sloppy and eventually and as this Worldwide Wave of Action is able to expose the truth more and more, I think we are going to stop this evil that is now taking over the US and is trying to keep people in fear and using fear mongering techniques on our media.
CNN and FOX and all these media sources are not telling the truth anymore. They are more interested in talking more about artists like Justin Bieber and Lindsay Lohan going to jail than potential war in Crimea.
I mean, this is, don’t even get me starting on that because I think we all know who is behind the taunting of that situation.
So it is just becoming obvious and even though people are not speaking about it because they are scared off or because they are scared to make a name and come out and talk about it.
This is our time to re-live the 60s, this is my generation’s time to stand up and say “No more!”
And we are not going to sit here and be poisoned and be lied to and listen to this “essentially crap” that they are feeding us in our media, this is not going to happen anymore. We have to stand up and make a change.
Surveillance vans parked outside of Folks’ home.
This is John Robles, you were listening to an interview with Nathan Folks, he is a well-known US film and TV director and producer. He is also the organizer of the Worldwide Wave of Action. You can find the rest of this interview on our website voiceofrussia.com. Thank you very much for listening!
New study reveals deaths and mutations ”increased sharply’ from exposure to Fukushima contamination, “especially at low doses” — ‘Small’ levels of cesium may be ‘significantly toxic’ — Smithsonian: “In other words, things don’t look good for the animals living around Fukushima”
Published: May 15th, 2014 at 3:14 pm ET By ENENews
Smithsonian Magazine, May 14, 2014: Even Tiny Amounts of Radioactive Food Made Caterpillars Become Abnormal Butterflies […] Researchers in Japan […] discovered, even a small amount of radiation is too much. […] The scientists collected plant material from around Fukushima and fed it to pale grass blue butterfly caterpillars. When the caterpillars turned into butterflies, they suffered from mutations and were more likely to die early [… even if they] had only eaten a small amount of artificial caesium […] In other words, things don’t look good for the animals living around Fukushima.
Nature — Scientific Reports (pdf), Published May 15, 2014: [We] examined possible relationships between the dose of ingested cesium per larva and the mortality and abnormality rates. Both the mortality and abnormality rates increased sharply, especially at low doses […] the mortality and abnormality rates increased sharply, especially at low doses. Additionally, there seemed to be no threshold level below which no biological response could be detected. […] the dose-response data suggests that the relatively small level of artificial cesium from the Fukushima Dai-ichi NPP may be significantly toxic to some individuals in butterfly populations […] the half lethal [i.e. LD50, amount that will kill 50% of a test subjects] dose [is 1.9 Bq per larva] and the half abnormal dose [is 0.76 Bq per larva] […] relatively small [levels] of artificial cesium from the Fukushima Dai-ichi NPP may be significantly toxic to some individuals in butterfly populations […] we assert that the half lethal and abnormal doses we obtained were quite high. […] it should be noted that we sampled contaminated leaves from Fukushima City, which many people inhabit as though nothing had happened […] Implications of the half lethal and abnormal doses we obtained in the present study will impact future discussions on the effects of radioactive exposure on other organisms, including humans. […] In conclusion, it is important to recognize the risk of internal radiation exposure due to ingested radioactive cesium, at least for the pale grass blue butterfly, and likely for certain other organisms living in the polluted area, possibly including humans. […]
Officials: “Grossly disturbed… disintegrated.. destroyed” bags found above nuclear material inside WIPP — “Anomaly in waste stack” — Chemical reaction suspected based on recent findings (PHOTO & VIDEO)
Nuclear Power International magazine, May 2, 2014: Workers find damage to underground radioactive storage bags at WIPP — Photos taken from re-entry into the underground storage area of the Waste Isolation Pilot Plant in New Mexico showed damage to bags of magnesium oxide […] on top of waste containers to prevent the radioactive material from releasing into the environment over a 10,000-year period.
Albuquerque Journal, May 2, 2014: The magnesium oxide bags, [weigh] up to 4,200 pounds […] Deputy Recovery Manager Tammy Reynolds said the damaged bags were found in the storage room where the leak is believed to have occurred […] at least one bag had been “grossly disturbed,” with its outer material apparently “disintegrating,” she said.
Dept. of Energy (pdf), May 2, 2014: WIPP personnel place “super sacks” of magnesium oxide on the top of waste columns […] Based on recent entries into the WIPP underground facility, the team is evaluating the contents of a set of waste drums that came from Los Alamos National Laboratory (LANL) that are located in Panel 7, the location of the event. The team is looking at the possibility that a chemical reaction may have occurred […]
Tammy Reynolds, Deputy Recovery Manager at WIPP, May 1, 2014 (at 11:45 in): Some of these bags along the wall here… the form of those bags is not the same. They’re not upright… and also they look like they’ve been disturbed and don’t necessarily look like the material is contained in the bags… this bag has been grossly disturbed… the material on the outside of the bag looks almost like it’s been disintegrated or destroyed and you’re seeing the magnesium oxide sitting there without the bag around it… It looks like the material on the bag is no longer intact… It tells us that something has disturbed these bags, something has degraded the material on the outside… The roof of the mine looks good… we’re still not ruling out any possibilities at this point.
Have you ever been to Office Depot, where everyone wants to act like an idiot?
I sent someone to Office Depot today. All he needed was three cover sheets printed onto 50-65# card stock. He knows nothing about these things, and is from another country.
Anyway, the idiots in there told him that it would be 3-4 hours to make three copies on 50-65# card stock, because they have to change the paper? What kind of bullshit is that? 3-4 Hours? Hell, all they have to do, is take the three pieces of card stock over to the copier, stick those three blank pieces of card stock on top of the paper in the copier, and but the document to be copied onto the scanner, punch 3 for 3 copies, and hit enter.
How hard is that? I swear Alex Jones and the others are absolutely right about us being “dumbed down”, that is about the dumbest thing I have ever heard. 3-4 hours for 3 copies. I was in printing back before computers took over, and hell, you could wash up the printing press, put the new ink in, warm it up, install the plate on the drum, and get it registering, and print 3 sheets of card stock in 15 minutes tops. And they are going to tell me that it will take 3-4 hours to change a copier over to print on card stock, when I know for a fact, it will print on that stock, without changing a damned thing.
Ok, Good Luck To All Out There Having to Get Something Printed on Card Stock at the Office Depot Memorial Drive Stone Mountain, GA!