Number of consumers has experienced trouble through late credit card payments and late mortgage payments. Those problems commonly make possible bad credit scores or even bankruptcy. Through after the consumer has caught up on the payments, the resulting hurt has been complete and it turn out to be tough to finance the purchase of a new or used car. The financial crisis in the banking industry has made lending very tight and more complicated.
On the other hand, there?re many lenders who concentrate in second chance auto loans that provide to those having bad credit profiles. As long as the borrower has a way to pay back the loan, bad credit auto loan lenders could often work out the guarantee so that the borrower could get the car. Bear in mind that rate of interest would often be much higher compared to those obtainable to customers having good credit as the borrower is careful high risk.
Picking the Bad Credit Auto Lender
The primary step is to obtain a free credit report and perhaps a FICO score to understand how bad the circumstances are. If the credit report is bad, get rid of prime lenders from consideration would save time and hassle.
As few second chance car lenders work through dealerships, it is necessary to find out from each car dealer if sub-prime customers could be financed through the dealership for those who don?t have 2nd chance financing auto loans lined up earlier. Majority dealerships only work with prime lending institutions so this additional groundwork is needed before going to the dealer without a pre-approved bad credit auto loan.
Know the Second Chance Auto Loan Requirements
The issues lenders search for in financing auto loans with bad credit are the same as those for a prime loan. Nevertheless, the necessities are more relaxed. Some of the most important factors in approving or denying an application take in:
?Income steadiness and history
?Present monthly debt payments relative to present earnings
?Borrower?s financial statement
?Recent payment conduct
?Amount of down payment
?FICO score
?Whether or not the borrower is presently filing for bankruptcy
Lower the Amount Borrowed
Choose a car through a purchase price along with monthly payment that?s sensible for the borrower?s earnings. Even though second chance car loan companies would work with a customer to get a car, they will not be able to pull off miracles such as a brand new Ferrari. A gently used sedan is probably a much more appropriate choice that can lower the monthly payment and help pass loan underwriting.
In many cases, the dealership will go through the borrower?s financing before looking at the cars. The dealership will determine the maximum loan amount and price of car that passes the underwriting requirements of a second chance auto loans company. The reason for looking at financing first is as the sub-prime borrowers often can?t fit higher priced cars into their financial statement. Consequently the customer would only look at cars which he could afford. If the second chance car loan has been approved, this financing step at the dealer could be omitted just similar to with a prime lender. There are many high risk auto loan lenders who offer a second chance for people to finance a car. When you get a second chance, be sure that you make your auto loan payments on time to rebuild your credit.
If you have deprived credit and seem to be frustrated everywhere second chance auto loans can help auto drivers get a car with bad credit score. However, lenders like AutoLoanFinance.net provides guaranteed auto loans especially for people all credit score.
Source: http://headlinenews.talkposts.com/2012/10/03/second-chance-auto-loans-for-bad-credit-people/
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Public release date: 1-Oct-2012
Share ] Contact: Toni Baker
tbaker@georgiahealth.edu
706-721-4421
Georgia Health Sciences University
AUGUSTA, Ga. While it's leveling off, a decade of increased use of sophisticated, expensive, imaging studies has put radiologists and their specialty front and center in health care reform, says the chair of an academic radiology department.
That seemingly dubious distinction gives radiologists the chance to take a leadership role in reducing costs, optimizing utilization and improving patient care, said Dr. James V. Rawson, Chair of the Medical College of Georgia Department of Radiology at Georgia Health Sciences University.
Rawson and Dr. Ruth Carlos, Professor of Abdominal Radiology at the University of Michigan, are Co-Editors of a special issue of the Journal of the American College of Radiology that provides their colleagues with current information and steps to do just that.
"When you look at the impact of health care reform it very much depends on what hat you are wearing: you may be the patient, you may be the parent, you may be the taxpayer, you may be the employer and all those have different perspectives," said Rawson. Regardless of the hat or the perspective, health care reform is a "game changer."
In the world's most expensive health care system, defensive medicine, inefficient insurance processes and preventable conditions related to obesity account for about one-third of U.S. health expenditures. That cost alone can make up the gap between the percentage of gross domestic product spent on health care in the U.S. compared with other countries, said Rawson, who also authored a paper for the journal on the roots of health care reform.
The non-invasive but expensive imaging tools of radiology are a major player in the practice of defensive medicine. Patient demand for such studies also has increased utilization as has the proliferation of mobile and other non-hospital based imaging. A more positive aspect of the decade of growth is imaging's replacement of exploratory surgical techniques for diagnosing, as an example, internal injuries in the abdomen, Rawson said. And, computerized tomography often can be used to quickly diagnose heart disease in an emergency room patient with chest pain rather than rushing off to a cardiac catheterization lab.
Clinical decision support tools based on best practices that are integrated, as an example, into the electronic medical record system, can help ensure such optimal use of imaging. "The right study gets ordered for the right patient at the right time so there is better health care and more appropriate utilization," Rawson said.
MCG Neuroradiologist Scott Forseen is corresponding author of an article in the journal that puts together these sorts of diagnosis and treatment guidelines for patients with low-back pain that are most likely to benefit from imaging. Overwhelming evidence suggests that high-tech images and back surgeries don't improve outcomes for many but the numbers of both are increasing.
That does not mean cookie cutter medicine, Rawson said. "There are other things that are not standardized workups and require judgment every step of the way but you reach a point in physician decision making where there is a common pathway you should follow."
Rawson is one of a dozen members of the American College of Radiology's Harvey L. Neiman Health Policy Institute examining the role of radiology in new health care delivery and payment models.
###
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Public release date: 1-Oct-2012 Share ] Contact: Toni Baker
tbaker@georgiahealth.edu
706-721-4421
Georgia Health Sciences University
AUGUSTA, Ga. While it's leveling off, a decade of increased use of sophisticated, expensive, imaging studies has put radiologists and their specialty front and center in health care reform, says the chair of an academic radiology department.
That seemingly dubious distinction gives radiologists the chance to take a leadership role in reducing costs, optimizing utilization and improving patient care, said Dr. James V. Rawson, Chair of the Medical College of Georgia Department of Radiology at Georgia Health Sciences University.
Rawson and Dr. Ruth Carlos, Professor of Abdominal Radiology at the University of Michigan, are Co-Editors of a special issue of the Journal of the American College of Radiology that provides their colleagues with current information and steps to do just that.
"When you look at the impact of health care reform it very much depends on what hat you are wearing: you may be the patient, you may be the parent, you may be the taxpayer, you may be the employer and all those have different perspectives," said Rawson. Regardless of the hat or the perspective, health care reform is a "game changer."
In the world's most expensive health care system, defensive medicine, inefficient insurance processes and preventable conditions related to obesity account for about one-third of U.S. health expenditures. That cost alone can make up the gap between the percentage of gross domestic product spent on health care in the U.S. compared with other countries, said Rawson, who also authored a paper for the journal on the roots of health care reform.
The non-invasive but expensive imaging tools of radiology are a major player in the practice of defensive medicine. Patient demand for such studies also has increased utilization as has the proliferation of mobile and other non-hospital based imaging. A more positive aspect of the decade of growth is imaging's replacement of exploratory surgical techniques for diagnosing, as an example, internal injuries in the abdomen, Rawson said. And, computerized tomography often can be used to quickly diagnose heart disease in an emergency room patient with chest pain rather than rushing off to a cardiac catheterization lab.
Clinical decision support tools based on best practices that are integrated, as an example, into the electronic medical record system, can help ensure such optimal use of imaging. "The right study gets ordered for the right patient at the right time so there is better health care and more appropriate utilization," Rawson said.
MCG Neuroradiologist Scott Forseen is corresponding author of an article in the journal that puts together these sorts of diagnosis and treatment guidelines for patients with low-back pain that are most likely to benefit from imaging. Overwhelming evidence suggests that high-tech images and back surgeries don't improve outcomes for many but the numbers of both are increasing.
That does not mean cookie cutter medicine, Rawson said. "There are other things that are not standardized workups and require judgment every step of the way but you reach a point in physician decision making where there is a common pathway you should follow."
Rawson is one of a dozen members of the American College of Radiology's Harvey L. Neiman Health Policy Institute examining the role of radiology in new health care delivery and payment models.
###
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Source: http://www.eurekalert.org/pub_releases/2012-10/ghsu-rif100112.php
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ATHENS (Reuters) - Greece held a new round of talks with foreign lenders to bridge differences over 2 billion euros of disputed austerity cuts on Tuesday, with time running short to clinch a deal before a key meeting of euro zone ministers next week.
Athens has been haggling for weeks over 12 billion euros of cutbacks that its European Union and International Monetary Fund lenders have refused to sign off on over fears that some of the proposed savings are unlikely to materialize.
For the second day in a row, inspectors from the so-called troika of European Commission, European Central Bank and IMF lenders had to face rows of angry Greeks heckling them as they entered a ministry building to start discussions.
At the labor ministry on Tuesday, dozens of disabled Greeks and their careers blocked the main entrance and chanted "We won't let it pass!" in protest at the cuts. One held a banner saying: "They handed 200 billion to bankers but cut down on medicine, treatment and benefits for the disabled."
The protests came a day after Greece unveiled an austerity budget that predicted a sixth year of recession in 2013 but failed to convince the troika, which has been skeptical of Athens' plans to cut health and defense spending.
"The troika is questioning the effectiveness of the measures related to structural reforms," a government official said, citing planned savings from restructuring entities in health and other ministries.
The official expressed optimism that a deal with the troika would be struck by the end of the week, but a second government source cast doubt on that, saying such an outcome now appeared "difficult".
NO UNIFIED STANCE
Both sources said talks over the cuts were being further complicated by an internal rift between the EU and the IMF over how to solve the Greek crisis, as reported by Reuters last week.
The IMF wants Greece to cut its debt further to make up for going hugely off-track from the terms of its bailout, while Europe is resisting the option of a new debt restructuring and instead prefers to give Athens more time to get back on track, officials have told Reuters.
"If the troika doesn't have a unified stance, the negotiations become more difficult," the first official said.
Failure to get a deal by Monday will be another setback for Greece's efforts to quickly unlock its next installment of aid, without which the debt-laden country faces bankruptcy and the prospect of an exit from the euro zone.
Athens needs the troika's blessing on the austerity package as well as a positive review by inspectors on the country's progress in meeting the terms of its bailout to secure that aid.
But with European leaders scrambling to shore up bigger economies like Spain and Italy, analysts say Greece will eventually be handed enough aid to keep afloat to avoid throwing the bloc into further turmoil.
(Additional reporting by Lefteris Papadimas and Dina Kyriakidou; writing by Deepa Babington; editing by Stephen Nisbet)
Source: http://news.yahoo.com/greece-pushes-austerity-deal-time-runs-short-114302819--finance.html
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Public release date: 1-Oct-2012 Share ] Contact: ESMO PRESS OFFICE
media@esmo.org
European Society for Medical Oncology
VIENNA, Austria, 1 October 2012 New studies that advance understanding of the optimal duration of therapy with the targeted cancer drug trastuzumab were released today at the ESMO 2012 Congress of the European Society for Medical Oncology in Vienna.
"These long awaited results constitute a further milestone in the treatment of patients with early breast cancer over-expressing HER2/neu, corresponding to a population of about 12-15% of all cases of breast cancer," commented Prof Christoph Zielinski, Chairman of the Clinical Division of Oncology, at Medical University Vienna, Austria, who was not involved in the studies.
Landmark results from HERA trial -- extending trastuzumab for 2 years does not significantly improve outcomes versus 1 year
One year of treatment with the targeted drug trastuzumab is as good as two years of treatment, for women with HER2-positive early breast cancer who have already received initial treatment with surgery, chemotherapy and radiotherapy as needed, researchers have found.
The HERA trial, which has been run by the Breast International Group (BIG) since 2001, is an international, multi-center, phase III randomized study involving 5102 women with early HER2-positive breast cancer. After finishing primary therapy with surgery, chemotherapy and radiotherapy as indicated, they were randomly assigned to trastuzumab therapy every 3 weeks for 1 year, 2 years or observation.
As of 12 April 2012, the unadjusted hazard ratio for a woman experiencing disease relapse in the 2-year treatment arm versus the 1-year arm was 0.99 (95% CI and P-value), Prof Richard Gelber of Harvard Medical School and Dana-Farber Cancer Institute, Boston, MA, USA, said. The overall survival rate in the two arms was comparable [HR=1.05 (95% CI 0.86-1.28; P=0.6333)].
"The key message for 2012 is that 1 year of treatment with trastuzumab remains the standard of care for HER2 positive early breast cancer patients," Prof Gelber said.
The researchers found that the durable benefit in disease-free survival and overall survival of 1-year trastuzumab compared to no trastuzumab that had been reported previously remained stable at 8 years of median follow-up.
"This prolonged benefit in disease-free survival and overall survival of 1-year trastuzumab over no trastuzumab is remarkably impressive and reassuring to patients," Prof Gelber said. "These results show that the benefit of adjuvant trastuzumab remains over time and it is not lost after some years. Patients can be reassured that 1 year trastuzumab is a very effective treatment, reducing the risk of disease recurrence and death by one-quarter compared to not using trastuzumab."
"While extending the duration of trastuzumab administration to 2 years did not significantly improve outcome compared with 1 year trastuzumab, ongoing trials are testing whether combining trastuzumab with other anti-HER2 agents (for example pertuzumab or lapatinib) might further benefit patients with HER2-positive early breast cancer," Prof Gelber noted.
Commenting on the data, Prof Zielinski noted: "Progress in the treatment of patients with early breast cancer over-expressing HER2/neu was extremely impressive and particularly successful by the introduction of trastuzumab as adjuvant treatment. This was administered in the first trials for one year and resulted in a highly significant prolongation of progression-free and overall survival. However, the question lingered whether a prolongation of treatment to two years would result in even better data than the ones obtained before."
"The present trial shows that this is not the case, which strongly supports the correctness of adjuvant treatment duration delivered to patients with HER2/neu over-expressing early breast cancer. Moreover, it teaches us about the biology of the disease in that the therapeutic interference with growth factor signaling for a period of one year cannot be improved by a longer duration of such treatment," said Prof Zielinski.
"Thus, we can be assured that patients are being treated in the best possible and most cost-effective way, by weighing benefit versus costs for the healthcare system. The latter aspect is quite important, as the recurrence of disease in a patient leads not only to suffering and death, but also to an immensely increased burden for the society. The current data thus add to the evidence how the latter aspects can be avoided by the delivery of an optimal duration of treatment for a selected patient population."
PHARE trial results comparing 6 to 12 months of trastuzumab in adjuvant early breast cancer
An academic randomized, non-inferiority trial instituted by the French National Cancer Institute (INCa) has compared a shorter trastuzumab exposure of 6 months versus the standard 12 months.
The Phare trial addressed the question of the trastuzumab duration in HER-positive early breast cancer adjuvant treatment. More than 150 cancer care centers all over France participated, recruiting more than 3380 patients representative of the French population. The trial's primary objective was to compare 6 months versus 12 months trastuzumab therapy in terms of disease free-survival according to a non-inferiority schema.
"The trial results are inconclusive for this non-inferiority hypothesis," said Prof Xavier Pivot, of the Universit de Franche Comt, France. "Nevertheless, there is a trend in favor of 12 months treatment for the overall population. Analysis of subgroups will be presented in December."
The median follow-up in the trial was 42.5 months and at the time of the analysis 395 disease-free survival events were reported. "According to the design of this trial, which allowed for a non-inferiority hazard ratio margin of 1.15, the 6-month trastuzumab arm (arm B) was not demonstrated to be significantly inferior to 12-month trastuzumab (arm A), since the confidence interval contains the 1.15 non inferiority margin (HR=1.28 (95%CI: 1.04 1.56, p=0.29). However despite the inconclusive result in terms of non-inferiority, the HR of 1.28 suggests a trend favoring 12 months," Prof Pivot said.
"Further exploration of the data, especially in selected subgroups is ongoing; further results will be presented in a couple of months. The results probably won't give a black and white answer, and the researchers will probably need to look at subsets of patients to see who benefits from six months of treatment and who should get a full year," Prof Pivot said.
###
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Public release date: 1-Oct-2012 Share ] Contact: ESMO PRESS OFFICE
media@esmo.org
European Society for Medical Oncology
VIENNA, Austria, 1 October 2012 New studies that advance understanding of the optimal duration of therapy with the targeted cancer drug trastuzumab were released today at the ESMO 2012 Congress of the European Society for Medical Oncology in Vienna.
"These long awaited results constitute a further milestone in the treatment of patients with early breast cancer over-expressing HER2/neu, corresponding to a population of about 12-15% of all cases of breast cancer," commented Prof Christoph Zielinski, Chairman of the Clinical Division of Oncology, at Medical University Vienna, Austria, who was not involved in the studies.
Landmark results from HERA trial -- extending trastuzumab for 2 years does not significantly improve outcomes versus 1 year
One year of treatment with the targeted drug trastuzumab is as good as two years of treatment, for women with HER2-positive early breast cancer who have already received initial treatment with surgery, chemotherapy and radiotherapy as needed, researchers have found.
The HERA trial, which has been run by the Breast International Group (BIG) since 2001, is an international, multi-center, phase III randomized study involving 5102 women with early HER2-positive breast cancer. After finishing primary therapy with surgery, chemotherapy and radiotherapy as indicated, they were randomly assigned to trastuzumab therapy every 3 weeks for 1 year, 2 years or observation.
As of 12 April 2012, the unadjusted hazard ratio for a woman experiencing disease relapse in the 2-year treatment arm versus the 1-year arm was 0.99 (95% CI and P-value), Prof Richard Gelber of Harvard Medical School and Dana-Farber Cancer Institute, Boston, MA, USA, said. The overall survival rate in the two arms was comparable [HR=1.05 (95% CI 0.86-1.28; P=0.6333)].
"The key message for 2012 is that 1 year of treatment with trastuzumab remains the standard of care for HER2 positive early breast cancer patients," Prof Gelber said.
The researchers found that the durable benefit in disease-free survival and overall survival of 1-year trastuzumab compared to no trastuzumab that had been reported previously remained stable at 8 years of median follow-up.
"This prolonged benefit in disease-free survival and overall survival of 1-year trastuzumab over no trastuzumab is remarkably impressive and reassuring to patients," Prof Gelber said. "These results show that the benefit of adjuvant trastuzumab remains over time and it is not lost after some years. Patients can be reassured that 1 year trastuzumab is a very effective treatment, reducing the risk of disease recurrence and death by one-quarter compared to not using trastuzumab."
"While extending the duration of trastuzumab administration to 2 years did not significantly improve outcome compared with 1 year trastuzumab, ongoing trials are testing whether combining trastuzumab with other anti-HER2 agents (for example pertuzumab or lapatinib) might further benefit patients with HER2-positive early breast cancer," Prof Gelber noted.
Commenting on the data, Prof Zielinski noted: "Progress in the treatment of patients with early breast cancer over-expressing HER2/neu was extremely impressive and particularly successful by the introduction of trastuzumab as adjuvant treatment. This was administered in the first trials for one year and resulted in a highly significant prolongation of progression-free and overall survival. However, the question lingered whether a prolongation of treatment to two years would result in even better data than the ones obtained before."
"The present trial shows that this is not the case, which strongly supports the correctness of adjuvant treatment duration delivered to patients with HER2/neu over-expressing early breast cancer. Moreover, it teaches us about the biology of the disease in that the therapeutic interference with growth factor signaling for a period of one year cannot be improved by a longer duration of such treatment," said Prof Zielinski.
"Thus, we can be assured that patients are being treated in the best possible and most cost-effective way, by weighing benefit versus costs for the healthcare system. The latter aspect is quite important, as the recurrence of disease in a patient leads not only to suffering and death, but also to an immensely increased burden for the society. The current data thus add to the evidence how the latter aspects can be avoided by the delivery of an optimal duration of treatment for a selected patient population."
PHARE trial results comparing 6 to 12 months of trastuzumab in adjuvant early breast cancer
An academic randomized, non-inferiority trial instituted by the French National Cancer Institute (INCa) has compared a shorter trastuzumab exposure of 6 months versus the standard 12 months.
The Phare trial addressed the question of the trastuzumab duration in HER-positive early breast cancer adjuvant treatment. More than 150 cancer care centers all over France participated, recruiting more than 3380 patients representative of the French population. The trial's primary objective was to compare 6 months versus 12 months trastuzumab therapy in terms of disease free-survival according to a non-inferiority schema.
"The trial results are inconclusive for this non-inferiority hypothesis," said Prof Xavier Pivot, of the Universit de Franche Comt, France. "Nevertheless, there is a trend in favor of 12 months treatment for the overall population. Analysis of subgroups will be presented in December."
The median follow-up in the trial was 42.5 months and at the time of the analysis 395 disease-free survival events were reported. "According to the design of this trial, which allowed for a non-inferiority hazard ratio margin of 1.15, the 6-month trastuzumab arm (arm B) was not demonstrated to be significantly inferior to 12-month trastuzumab (arm A), since the confidence interval contains the 1.15 non inferiority margin (HR=1.28 (95%CI: 1.04 1.56, p=0.29). However despite the inconclusive result in terms of non-inferiority, the HR of 1.28 suggests a trend favoring 12 months," Prof Pivot said.
"Further exploration of the data, especially in selected subgroups is ongoing; further results will be presented in a couple of months. The results probably won't give a black and white answer, and the researchers will probably need to look at subsets of patients to see who benefits from six months of treatment and who should get a full year," Prof Pivot said.
###
[ | E-mail | Share ] ?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Source: http://www.eurekalert.org/pub_releases/2012-10/esfm-nfo092812.php
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MOSCOW (AP) ? A Russian court is set to hear an appeal filed by three jailed members of the rock band Pussy Riot, who have been sentenced to two years for performing a "punk prayer" against President Vladimir Putin at Moscow's main cathedral.
A day before Monday's hearing, the Russian Orthodox Church said the rockers would deserve mercy if they offer repentance for their stunt. The move followed a statement by the Russian premier, who said that keeping them in prison any longer would be "unproductive."
The calls reflected an apparent desire by both the government and the church to put an end to the case, which has caused international outrage. It remained unclear whether the women would offer penitence sought by the church and how much leniency a court may show.
Source: http://news.yahoo.com/moscow-court-hear-pussy-riot-appeal-040244470.html
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Republican presidential candidate and former Massachusetts Gov. Mitt Romney leaves his campaign headquarters in Boston, Sunday, Sept. 30, 2012. (AP Photo/Charles Dharapak)
Republican presidential candidate and former Massachusetts Gov. Mitt Romney leaves his campaign headquarters in Boston, Sunday, Sept. 30, 2012. (AP Photo/Charles Dharapak)
BOSTON (AP) ? Republican presidential candidate Mitt Romney says President Barack Obama has "misunderstood" American values in his policies toward other countries. The Republican nominee is planning a major foreign policy speech in the coming weeks.
Romney on Sunday wrote an opinion piece in the Wall Street Journal outlining a foreign policy critique he first made at campaign events following an attack in Libya that killed the U.S. ambassador. Romney is accusing the Obama administration of minimizing the seriousness of that attack and the other threats facing the U.S. in the region.
Romney writes, quote, "our values have been misapplied ? and misunderstood" by Obama. He also says Obama has distanced the U.S. from Israel.
The Republican nominee was spending Sunday preparing for his first debate with Obama, set for Wednesday in Denver.
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