NFL's Goodell: Proper tackling, HGH key issues


NEW ORLEANS (AP) — NFL Commissioner Roger Goodell says the league needs to make football safer by doing more to eliminate blows to the head and knees and by suspending players for illegal hits.


During his annual news conference two days before the Super Bowl, Goodell also said Friday he wants a "new generation" of the Rooney Rule because "we didn't have the outcomes we wanted" when none of 15 recent coach and general manager jobs were given to a minority candidate.


Goodell hopes and expects testing for human growth hormone to start next season, even though the league and the players' union are still at an impasse after 18 months of back-and-forth.


He vowed to be "relentless" about keeping pay-for-pain bounties out of the game.


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Well: Gluten-Free Muffin Recipes

For people who need to eliminate gluten from their diet, baking becomes a challenge. Beginners often find gluten-free baked goods too dense. Even the Recipes for Health columnist Martha Rose Shulman didn’t like the flavor of a commercial gluten-free flour mix, which left her gluten-free cookies and tart-shells with a strong taste of bean flour. As a result, she created her own gluten-free mix for baking muffins. She writes:

My son Liam still doesn’t know that the muffins he has been devouring all week are gluten-free.

I put together my own gluten-free flour mix, one without bean flour, and turned to America’s favorite Gluten-Free Girl, Shauna James Ahem, for guidance. I was already thinking about making muffins, and I wanted a mix that could replace the whole wheat flour I usually use in conjunction with other grains or flours. Her formula for a whole-grain flour mix is simple – 70 percent ground gluten-free grain like rice flour, millet flour, buckwheat flour or teff (the list on her site is a long one) and 30 percent starch like potato starch, cornstarch or arrowroot.

For this week’s recipes, I used what I had, which was brown rice flour, potato starch and cornstarch – 20 percent potato starch and 10 percent cornstarch — and that’s the basis for the nutritional analyses of this week’s recipes. I used this mix in conjunction with a gluten-free meal or flour, so the amount of pure starch in the batters is much less than 30 percent.

When you bake anything it is much simpler and results are more consistent if you use grams and scale your ingredients. This is especially true with gluten-free baking, since you are working with grain and starch formulas. Digital scales are not expensive and I urge you to switch over to this method if you like to bake. I have given approximate cup measures so the recipes will work both ways, but scaling is more accurate.

Here are five ways to bake gluten-free muffins:

Gluten-Free Banana Chocolate Muffins: These dark chocolate muffins taste more extravagant than they are.


Gluten-Free Cornmeal, Fig and Orange Muffins: A sweet and grainy cornmeal mixture makes for a delicious muffin.


Gluten-Free Whole Grain Cheese and Mustard Muffins: A savory muffin with a delicious strong flavor.


Gluten-Free Buckwheat, Poppy Seed and Blueberry Muffins: The buckwheat flour is high-fiber and makes a dark, richly-flavored muffin.


Gluten-Free Cornmeal Molasses Muffins: Strong molasses provides a good source of iron in an easy-to-make muffin.


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DealBook: Dutch Government Takes Control of SNS Reaal

The Dutch government on Friday nationalized one of the country’s biggest financial institutions, SNS Reaal, after the troubled company failed to find a private sector buyer.

The Dutch finance minister, Jeroen Dijsselbloem, said that the government would spend 3.7 billion euros ($5 billion) in taxpayer money to clean up the bank, which has struggled for years with unprofitable real estate loans. Mr. Dijsselbloem said in a statement that the takeover “was made necessary by the extreme situation” of the bank and the “serious and immediate threat posed by that situation to the stability of the financial system.”

Shareholders and subordinated bondholders of SNS Reaal will be wiped out, effective immediately, Mr. Dijsselbloem said. The holders of senior debt will be repaid and depositors will not lose their money.

The move comes as Europe continues to deal with sluggish economies and debt problems. Last year, Spain took over Bankia, a mortgage lender also hurt by property deals.

Problems at SNS Reaal, which is based in Utrecht, had intensified in the last two weeks as depositors began losing faith, fearing talks with potential buyers would fail. The company had been reportedly negotiating possible investments from the private equity firm CVC Capital Partners and other funds in the hope of averting disaster.

Three top executives of SNS Reaal said in a statement that they were stepping down, as “they do not want to and cannot take responsibility for the nationalization scenario.” The three — Ronald R. Latenstein, the bank’s chief executive; Rob Zwartendijk, the chairman; and Ference Lamp, the chief financial officer — said they had done “everything in their power” to avoid a bailout.

“The persons in question do not advocate the chosen solution, but respect the choice of the Ministry of Finance,” according to a statement.

The announcement is the latest in a spate of recent bad news from European banks. On Thursday, Deutsche Bank posted a surprise fourth-quarter loss of $3 billion, and problems continue at Monti dei Paschi di Siena, which received a bailout from the Italian government last year.

The case of SNS Reaal also adds urgency to efforts to set up procedures to identify and wind down troubled banks in a way that does not burden taxpayers. European leaders and regulators agree that they need a way to dispose of bad banks but have not been able to agree on a way to do so. Despite a law last year giving authorities in the Netherlands more power to intervene in troubled banks, Dutch citizens will still wind up picking up the bill for SNS.

In fact, some of the impetus for the Dutch government’s action might have come from the planned transfer of bank supervisory responsibility away from national regulators to the European Central Bank, as well as the pressure of new bank regulations. Regulators and industry executives may have decided that it is best to act now rather than let the central bank dictate their actions.

The move also signaled the transfer of another of the Netherlands’ biggest financial institutions into state hands. The Dutch business of ABN Amro was nationalized in October 2008 after the collapse of Lehman Brothers sent the world financial system into shock.

ABN Amro had been taken over and split up by Royal Bank of Scotland, Fortis and Santander in a 2007 deal that has since come to epitomize the worst excesses of the credit bubble. Both Royal Bank of Scotland and Fortis, once the biggest Belgian financial house, were laid low by the debt burdens they took on for the ABN Amro deal when the credit crisis struck.

The ABN Amro deal also marred SNS Reaal, which needed a bailout in 2008 after it acquired the broken-up lender’s property business. That bailout has not been fully repaid.

As part of the deal announced Friday, the state will forgive 800 million euros of the unpaid bailout loans, inject 2.2 billion euros into SNS and write off 700 million euros from the bank’s property portfolio.

The government will also require the country’s top three banks — ING, ABN Amro and Rabobank — to contribute 1 billion euros next year in a onetime payment. ING estimated that its share of the cost of bailing out SNS Reaal would come to 300 million to 350 million euros, but said the impact on its finances would be limited.


This post has been revised to reflect the following correction:

Correction: February 1, 2013

An earlier version of the article incorrectly spelled the name of the nationalized company. It is SNS Reaal, not SNS Reall.

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Hagel Offers Endorsement of U.S. Military Might




Tough Questions for Hagel at Hearing:
Chuck Hagel, President Obama’s nominee for secretary of defense, had some sharp exchanges with Senator John McCain.







WASHINGTON — Chuck Hagel, President Obama’s nominee to be secretary of defense, came under sharp and sometimes angry questioning Thursday on a wide range of issues from fellow Republicans at his Senate confirmation hearing, including from his old friend, Senator John McCain, the Arizona Republican who is still smoldering about their break over the Iraq war.




Mr. Hagel, 66, a former senator from Nebraska and a decorated Vietnam veteran who would be the first former enlisted soldier to be secretary of defense, often seemed tentative in his responses to the barrage from fellow Republicans on the Senate Armed Services Committee, who showed him little deference and frequently cut him off.


One of the most hostile questioners was Senator Lindsey Graham of South Carolina, who told Mr. Hagel to “give me an example of where we’ve been intimidated by the Israel-Jewish lobby to do something dumb.'’ Mr. Hagel, who in 2006 said the “Jewish lobby” intimidates Congress, could not.


From Mr. Hagel's home state, Senator Deb Fischer told Mr. Hagel that he held "extreme views" that were "far to the left of this administration.'' Senator Ted Cruz, Republican of Texas, surprised the hearing with excerpts on a giant video screen from an interview Mr. Hagel gave to Al Jazeera in 2009. Although it was difficult to hear the short clips he provided, Mr. Cruz asserted that they showed Mr. Hagel agreeing with a caller who suggested that Israel had committed war crimes.


“Do you think the nation of Israel has committed war crimes?'’ Mr. Cruz demanded.


“No, I do not, Senator,'’ Mr. Hagel replied.


But his exchange with Mr. McCain was the most notable, given that the two former Vietnam veterans were close friends when they served in the Senate until Mr. Hagel’s views on the Iraq War caused a split. In 2008, Mr. Hagel did not endorse Mr. McCain for president and traveled with Mr. Obama, then a senator from Illinois, to Iraq and Afghanistan.


Mr. Hagel dodged a direct answer as Mr. McCain asked him repeatedly if history would judge whether Mr. Hagel was right or wrong in opposing the surge in American armed forces when he was in the Senate. The escalation, along with other major factors, is credited in helping to quell the violence in Iraq at the time. When Mr. Hagel said he wanted to explain, Mr. McCain bore in.


“Are you going to answer the question, Senator Hagel — the question is whether you were right or wrong?” Mr. McCain said.


“I’m not going to give you a yes or no answer,” Mr. Hagel replied.


Mr. McCain did not let up.


"I think history has already made a judgment about the surge, sir, and you’re on the wrong side of it,” Mr. McCain said, then seemed to threaten that he would not vote for Mr. Hagel if he did not answer the question.


It took the next questioner, Senator Bill Nelson, Democrat of Florida, to draw Mr. Hagel out on the subject. “I did question the surge,” Mr. Hagel said. “I always asked the question, is this going to be worth the sacrifice?” He said 1,200 American men and women lost their lives in the surge. “I’m not certain it was required,” Mr. Hagel said. “Now, it doesn’t mean I was right.”


Despite the theatrics, it was unclear how the committee would vote on Mr. Hagel’s nomination. He needs a majority of the 26-member panel, which includes 14 Democrats, almost all of whom are likely to support his nomination. And there remained a possibility that perhaps one or two Republicans would join them. If Mr. Hagel advances out of the committee, he would have an easier time when the entire Senate votes on his confirmation.


The onslaught by Republicans, however, began even before Mr. Hagel made his opening statement.


The ranking Republican on the committee, Senator James M. Inhofe of Oklahoma, told Mr. Hagel that he would not vote for him because of his position of “appeasing” America’s adversaries.


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OpenStack at Linux.conf.au 2013






I’m writing this blog post from Canberra Australia, while attending the Linux.conf.au (LCA) open source conference. Among the people who do these sorts of things, LCA has a well deserved reputation as one of the very best open source conferences in the world.


Geeks from across Australia and New Zealand, and from across the rest of the world, come together for a week in January (summer in this part of the world) to talk about everything from the intricate technical details of Linux kernel design to pushing the state of the art in file systems and issues deploying practical wireless cryptography. Softer but equally important topics such as Open Government, gender balance in technology, and international legal issues are also discussed. Read more about OpenStack at Linux.conf.au 2013 »






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5 Super Bowl ads that enlist viewer help


Advertisers are finding new ways to get viewers into the game during Super Bowl XLVII, which airs on CBS on Sunday. Here are 5 campaigns that enlist viewer help in one form or another.


1. Coca-Cola created an online game that pits a troupe of showgirls, biker-style "badlanders" and cowboys against each other in a race to find a Coke in the desert. Viewers are encouraged to vote for their favorite group and set up obstacles that delay other groups on CokeChase.com. Obstacles include a traffic light or getting a pizza delivered, which both waste time. Coca-Cola's online game is alluded to in a Super Bowl ad and the winning group — which has the most "for" votes and the least "obstacle" votes will be announced after the Big Game. Coke will also give the first 50,000 people who vote a free Coke.


__


Online:


www.cokechase.com


2. For its halftime intro spot, Pepsi, the sponsor of the Super Bowl halftime show, created a collage of 1,000 user-submitted photos that are stitched together to create a 30-second video that looks like one person jumping to the tune of Beyonce's "Countdown." The spot introduces the pop star's halftime show.


__


Online:


www.halftime.pepsi.com


3. Toyota invited people to submit photos of themselves on Instagram or Twitter between Jan. 2 to Jan. 12 with the hashtag (hash)wishgranted. The photos were entered into a contest to win a spot on Toyota's Super Bowl ad. The ad stars Kaley Cuoco from CBS's "The Big Bang Theory" granting wishes. A photo of the winner, Ryan Koch of Fitchburg, Wis., will be featured in the ad.


__


Online:


http://www.youtube.com/watch?v=iymBRSUfz9U&feature=youtu.be&noredirect=1


4. Ford Motor Co. enlisted late-night talk show host Jimmy Fallon to choose road trip stories submitted via Twitter with the hashtag (hash)steerthescript for its Lincoln Super Bowl ad. The story line of the Lincoln ad was developed from 6,117 Tweets and stars rapper Joseph "Rev Run" Simmons and Wil Wheaton, who acted in "Star Trek: The Next Generation."


__


Online:


www.steerthescript.com


5. Audi let viewers choose one of three possible endings for its Game Day spot by voting online on Jan. 25 for 24 hours. The ad shows a boy who gets enough confidence from driving his father's Audi to the prom to kiss his dream girl, even though he is then decked by her boyfriend. Audi allowed people to vote for one of three potential endings for the ad.


In one possible ending, the boy drives home alone in triumphant. Another ending shows him palling around with friends. The third shows the boy going home and finding a prom picture of his parents in which his dad has a similar black eye.


The first ending, called "Worth it," won. Audi, which declined to say how many people voted, said "Worth It," was by far the most popular, getting more than half of the total views and the most "thumbs up" out of all three versions.


__


Online:


http://www.youtube.com/watch?v=ANhmS6QLd5Q


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Well: Waiting for Alzheimer's to Begin

My gray matter might be waning. Then again, it might not be. But I swear that I can feel memories — as I’m making them — slide off a neuron and into a tangle of plaque. I steel myself for those moments to come when I won’t remember what just went into my head.

I’m not losing track of my car keys, which is pretty standard in aging minds. Nor have I ever forgotten to turn off the oven after use, common in menopausal women. I can always find my car in the parking lot, although lots of “normal” folk can’t.

Rather, I suddenly can’t remember the name of someone with whom I’ve worked for years. I cover by saying “sir” or “madam” like the Southerner I am, even though I live in Vermont and grown people here don’t use such terms. Better to think I’m quirky than losing my faculties. Sometimes I’ll send myself an e-mail to-do reminder and then, seconds later, find myself thrilled to see a new entry pop into my inbox. Oops, it’s from me. Worse yet, a massage therapist kicked me out of her practice for missing three appointments. I didn’t recall making any of them. There must another Nancy.

Am I losing track of me?

Equally worrisome are the memories increasingly coming to the fore. Magically, these random recollections manage to circumnavigate my imagined build-up of beta-amyloid en route to delivering vivid images of my father’s first steps down his path of forgetting. He was the same age I am now, which is 46.

“How old are you?” I recall him asking me back then. Some years later, he began calling me every Dec. 28 to say, “Happy birthday,” instead of on the correct date, Dec. 27. The 28th had been his grandmother’s birthday.

The chasms were small at first. Explainable. Dismissible. When he crossed the street without looking both ways, we chalked it up to his well-cultivated, absent-minded professor persona. But the chasms grew into sinkholes, and eventually quicksand. When we took him to get new pants one day, he kept trying on the same ones he wore to the store.

“I like these slacks,” he’d say, over and over again, as he repeatedly pulled his pair up and down.

My dad died of Alzheimer’s last April at age 73 — the same age at which his father succumbed to the same disease. My dad ended up choosing neurology as his profession after witnessing the very beginning of his own dad’s forgetting.

Decades later, grandfather’s atrophied brain found its way into a jar on my father’s office desk. Was it meant to be an ever-present reminder of Alzheimer’s effect? Or was it a crystal ball sent to warn of genetic fate? My father the doctor never said, nor did he ever mention, that it was his father’s gray matter floating in that pool of formaldehyde.

Using the jarred brain as a teaching tool, my dad showed my 8-year-old self the difference between frontal and temporal lobes. He also pointed out how brains with Alzheimer’s disease become smaller, and how wide grooves develop in the cerebral cortex. But only after his death — and my mother’s confession about whose brain occupied that jar — did I figure out that my father was quite literally demonstrating how this disease runs through our heads.

Has my forgetting begun?

I called my dad’s neurologist. To find out if I was in the earliest stages of Alzheimer’s, he would have to look for proteins in my blood or spinal fluid and employ expensive neuroimaging tests. If he found any indication of onset, the only option would be experimental trials.

But documented confirmation of a diseased brain would break my still hopeful heart. I’d walk around with the scarlet letter “A” etched on the inside of my forehead — obstructing how I view every situation instead of the intermittent clouding I currently experience.

“You’re still grieving your father,” the doctor said at the end of our call. “Sadness and depression affect the memory, too. Let’s wait and see.”

It certainly didn’t help matters that two people at my father’s funeral made some insensitive remarks.

“Nancy, you must be scared to death.”

“Is it hard knowing the same thing probably will happen to you?”

Maybe the real question is what to do when the forgetting begins. My dad started taking 70 supplements a day in hopes of saving his mind. He begged me to kill him if he wound up like his father. He retired from his practice and spent all day in a chair doing puzzles. He stopped making new memories in an all-out effort to preserve the ones he already had.

Maybe his approach wasn’t the answer.

Just before his death — his brain a fraction of its former self — my father managed to offer up a final lesson. I was visiting him in the memory-care center when he got a strange look on his face. I figured it was gas. But then his eyes lit up and a big grin overtook him, and he looked right at me and said, “Funny how things turn out.”

An unforgettable moment?

I can only hope.



Nancy Stearns Bercaw is a writer in Vermont. Her book, “Brain in a Jar: A Daughter’s Journey Through Her Father’s Memory,” will be published in April 2013 by Broadstone.

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U.P.S. Posts a Loss and Forecasts Lower Profit



U.P.S. followed a stream of other big companies like Rockwell Automation and Northrop Grumman that were also weighed down by pension-related charges. A prolonged period of low interest rates is driving up companies’ pension costs.


Even factoring out the $3 billion noncash pension charge, U.P.S., the world’s largest package-delivery company, reported a fourth-quarter profit that still missed Wall Street’s expectations.


U.P.S. said it faced a $225 million rise in pension costs this year.


“This will be a significant drag in 2013,” the chief financial officer, Kurt Kuehn, told investors in a conference call.


The company expects earnings to rise 6 to 12 percent in 2013, from $4.80 to $5.06 a share, below the average Wall Street target of $5.11.


“It’s going to come down to worldwide economic growth,” said Helane Becker, a Dahlman Rose analyst.


U.P.S. posted a fourth-quarter net loss of $1.75 billion, or $1.83 a share, after the pension charge, in contrast to a net profit of $725 million, or 74 cents a share, in the period a year earlier.


Revenue rose 2.9 percent, to $14.57 billion from $14.17 billion. U.P.S. said costs related to Hurricane Sandy, which pounded the New York metropolitan area in late October, sliced profit by 5 cents a share in the quarter.


Factoring out one-time, noncash items, profit came to $1.32 a share, below the analysts’ average estimate of $1.38, according to Thomson Reuters.


“We remain in a cycle of mixed growth and mixed signals,” the chief executive, D. Scott Davis, told investors in the conference call. “Fiscal uncertainty continues to erode business confidence and growth prospects.”


A Morningstar analyst, Keith Schoonmaker, said one good sign in the quarter was the 7.7 percent rise in next-day air shipments in the United States.


“We need to cut through the pension clutter and look at economic results,” Mr. Schoonmaker said. “This is a company that has tremendous operating capability, so when you feed them a little bit more volume into their system, this company is able to make hay with that.”


U.P.S.’s largest American rival, FedEx, has been struggling with falling profits as customers increasingly send goods by ground, which is less costly and less profitable than by air.


Because of the huge volume of packages they handle each day, U.P.S. and FedEx are viewed as barometers of economic activity.


Shares of U.P.S. closed down $1.94, or 2.39 percent, at $79.29.


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Bail Is Set at $11 Million for King Juan Carlos’s Son-in-Law





MADRID — A Spanish judge on Wednesday demanded that the son-in-law of King Juan Carlos and his former business partner post bond of $11 million as the state deepens its investigation into whether they embezzled millions of dollars in public money allocated to sports and tourism events.




The son-in-law, Iñaki Urdangarin, has not been formally charged, but he was subpoenaed last year, becoming the first member of the royal family to appear in court in modern Spanish history. Mr. Urdangarin and his main business partner, Diego Torres, as well as others involved in the sports and tourism events have denied wrongdoing.


Mr. Urdangarin, a former professional handball player, became Duke of Palma in 1997 upon marrying Princess Cristina, the youngest daughter of the king. Investigators are seeking to determine if Mr. Urdangarin misused his royal credentials in securing contracts from regional authorities to organize sports events for children and other activities through his private Noós Institute and then siphoned off contract fees.


Mr. Urdangarin has denied any link between his business activities and the rest of the royal family, and issued an apology last year for causing “serious damage” to the family. The royal household suspended him in late 2011 from attending official functions, declaring him persona non grata. He was removed from the royal family’s Web site this month.


While the royal household has tried to distance itself from the case, the judge, José Castro, has extended his investigation and recently subpoenaed Carlos García Revenga, the personal secretary of the king’s daughters, Elena and Cristina. Mr. Revenga is expected to appear in court on Feb. 23, same day as Mr. Urdangarin.


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TSX closes lower as RIM, Fed decision weigh






TORONTO (Reuters) – Canada’s main stock index closed lower on Wednesday, hurt by a fall in Research In Motion Ltd after it released its long-awaited BlackBerry 10 devices, and broad market weakness after the U.S. Federal Reserve decided to leave its stimulus program intact.


The Toronto Stock Exchange‘s S&P/TSX composite index <.gsptse> closed 36.12 points, or 0.28 percent, lower at 12,794.44. Nine of the 10 main sectors on the index declined.</.gsptse>






(Reporting by John Tilak; Editing by Peter Galloway)


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