Stockton Ruling Seen as Key to US Municipal Bankruptcy Options ...

A federal judge on Monday is expected to rule on whether the city of Stockton, California is eligible for bankruptcy protection, a key milestone in a case likely to set critical precedents for cash-strapped U.S. cities, their employees and their bondholders.

The decision follows a three-day trial last week in which the city argued it had no choice but to file for bankruptcy after the financial meltdown devastated local tax revenues and harsh budget cuts still left the city with a $26 million shortfall.

Municipal bankruptcies have historically been rare, but troubled American cities increasingly see it as an option as they struggle with big debt loads, shrinking tax bases and massive pension and healthcare obligations. The California city of San Bernardino has also filed for bankruptcy, and some expect the city of Detroit, Michigan eventually to surpass Stockton as the biggest U.S. city to file for bankruptcy.

In the Stockton case, attorneys for bond insurers, who could potentially be forced to absorb major losses in a bankruptcy, argued the city could have done more to cut costs and raise revenues. The bondholders, who are not being paid in full under the city?s interim operating plan, have also argued that pension payments made to the California Public Employees Retirement System (Calpers) should be slashed.

Bankruptcy experts expect U.S. Bankruptcy Judge Christopher Klein to find the city eligible for bankruptcy.

Michael Sweet, a lawyer at Fox Rothschild who helps local governments on bankruptcy issues but is not directly involved in the Stockton case, said the city had proven even before last week?s trial that it was truly broke when it filed for bankruptcy protection last June. A municipality must be insolvent to be eligible.

?It will be hard for the judge to conclude that they weren?t insolvent,? Sweet said.

Stockton, a city of 300,000 residents in California?s Central Valley, aims to use the Chapter 9 bankruptcy process to right the city?s finances with a number of drastic measures. The city has already defaulted on some debt and allowed creditors to seize the assets ? including a parking garage and a city building ? and has cut payments to other municipal bondholders.

The city slashed the police department by 25% and cut other departments even more before it filed for bankruptcy. It has moved to eliminate a generous retiree healthcare plan ? a major hit for many former city employees ? but has not challenged pension payments to Calpers.

The retirement fund argues that under state law, pension payments cannot be reduced even in bankruptcy ? an issue that is also front-and-center in the San Bernardino bankruptcy and one that could eventually find its way to the U.S. Supreme Court.

KEEPING TRADITION INTACT

Bondholders in major U.S. municipal bankruptcies have been repaid all of their principal since at least the 1930s ? and Stockton?s creditors don?t want to see that change.

Bond insurers Assured Guaranty Corp, Assured Guaranty Municipal Corp and National Public Finance Guarantee Corp were joined by Wells Fargo Bank, the Franklin California High Yield Municipal Fund and Franklin High Yield Tax-Free Income Fund in contesting Stockton?s bid for bankruptcy eligibility.

Assured?s net exposure to Stockton?s general fund-backed debt is $158 million. A spokesman for National said the MBIA Inc unit?s Stockton-related exposure is $224 million, $89 million of it tied to the city?s general fund. Franklin Advisers Inc, holds $35 million of uninsured Stockton lease revenue bonds.

Lawyers for the creditors argued to U.S. Bankruptcy Judge Christopher Klein that Stockton did not meet requirements to be eligible for bankruptcy court protection.

They claimed Stockton officials did not do enough to mend the city?s finances and acted in bad faith by exempting the city?s largest creditor ? Calpers ? from concessions in a mandatory pre-bankruptcy mediation.

They also said Stockton is not really broke, and that city officials are conflicted because they have accounts with the pension fund.

James Spiotto, a municipal law specialist at the Chapman and Cutler law firm, said that attack fell flat, noting that a finding of bad faith is a high bar.

Article source: Reuters US News

Source: http://vicksburgdailynews.com/2013/04/01/stockton-ruling-seen-as-key-to-us-municipal-bankruptcy-options/

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Sunken Apollo rocket engines raised

21 March 2013 Last updated at 09:43 ET

Two long-lost engines from Apollo-era rockets have been hauled from a depth of more than 4km in the Atlantic Ocean.

The F-1 engines are from the first stage of a Saturn rocket, which were used throughout the Apollo programme - one of which launched men to the Moon.

A number of engines were first found nearly a year ago by Bezos Expeditions, run by Amazon founder Jeff Bezos.

The two recovered engines will now be restored and put on public display.

The F-1 was a workhorse engine for the US space agency Nasa as the most powerful single-chamber liquid-fuelled engine ever developed. Five F-1 engines sat at the bottom of the Saturn-V rockets used throughout the Apollo programme.

After three weeks at sea, the Bezos Expeditions team recovered two such engines using remotely-operated vehicles.

Because the engines' serial numbers are partially missing, it remains unclear which Apollo mission they are from - that may become clearer during restoration.

Continue reading the main story

Mr Bezos is a long-time space enthusiast and also leads Blue Origin, one of a number of private spaceflight firms aiming to drastically reduce the costs of spaceflight.

"We've seen an underwater wonderland - an incredible sculpture garden of twisted F-1 engines that tells the story of a fiery and violent end, one that serves testament to the Apollo program," Mr Bezos wrote in a blog post from the ship Seabed Worker, now on its way back to Cape Canaveral.

"Each piece we bring on deck conjures for me the thousands of engineers who worked together back then to do what for all time had been thought surely impossible."

Nasa administrator Charles Bolden released a statement congratulating the team, saying: "This is a historic find and I congratulate the team for its determination and perseverance in the recovery of these important artefacts of our first efforts to send humans beyond Earth orbit."

Source: http://www.bbc.co.uk/news/science-environment-21880147#sa-ns_mchannel=rss&ns_source=PublicRSS20-sa

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Biden and Bloomberg urge Congress to have ?courage? on gun laws

Biden and Bloomberg at City Hall (Screenshot via NYC Mayor's Office Live Feed)NEW YORK?Vice President Joe Biden and New York City Mayor Michael Bloomberg issued a joint appeal to members of Congress, urging lawmakers to ignore politics and do the ?right thing? by passing new federal gun-control laws.

In an appearance at City Hall, Biden and Bloomberg were joined by family members of some of those killed in December?s mass shootings at Sandy Hook Elementary School in Newtown, Conn., in urging Congress to immediately pass legislation including stricter rules on background checks and a ban on assault weapons, which they both described as ?weapons of war.?

?It?s time for the political establishment to show the courage that your daughter showed,? Biden told the father of Lauren Rousseau, a Sandy Hook teacher killed while trying to protect her students.

The vice president signaled the White House wasn?t giving up on its push to ban assault weapons, insisting ?this is not about anybody?s constitutional right to own a weapon.?

He added, ?For all of those who say we can?t and shouldn?t ban assault weapons, for all those who say the politics is just too hard, how can they say that? When you take a look at those 20 beautiful babies and what happened to them? And those six teachers and administrators? Think about Newtown. Think about Newtown."

Biden's comments came just days after Senate Democrats dropped an assault weapons ban from their proposed package of gun reforms, arguing it would kill any chance of passing any new gun laws.

Bloomberg, who has emerged as one of the leading voices in favor of new gun-control laws in the aftermath of Newtown, called on lawmakers to have ?courage.? He argued that if new gun-control laws don?t pass this year, at least 12,000 people are likely to die from gun violence in 2013 alone, based on past statistics.

?In the end, what Congress has to decide is whether it?s politically popular or is it the right thing to do,? Bloomberg said.

The mayor insisted ?there is no debate? among the majority of Americans about the need for tougher background checks and bans on sales of high-capacity magazines and assault rifles.

At one point, Biden praised Bloomberg for his advocacy on guns, saying ?no support has been more consequential than the support coming from Mayor Bloomberg.?

After Biden and Bloomberg spoke, Neil Heslin, whose 6-year-old son Jesse was killed at Newtown, approached the podium and issued an emotional plea for members of Congress to pass new gun laws.

?I'm really ashamed to see that Congress doesn?t have the guts to make a change,? Heslin said, speaking in a somber tone that was barely audible. ?I never thought my son would be a victim. I wish it upon nobody what I have had to go through.?

Source: http://news.yahoo.com/blogs/ticket/biden-bloomberg-urge-congress-courage-gun-laws-164714274--election.html

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Weak Oracle sales, Cyprus fears weigh on US shares

In this March 19. 2013, photo, specialist Joseph Dreyer, left, works with traders on the floor of the New York Stock Exchange. World stock markets stalled Thursday March 21, 2013 as uncertainty mounted over whether Cyprus can stave off bankruptcy after the country's government rejected a plan to contribute to a bailout by seizing money from people's bank accounts. (AP Photo/Richard Drew)

In this March 19. 2013, photo, specialist Joseph Dreyer, left, works with traders on the floor of the New York Stock Exchange. World stock markets stalled Thursday March 21, 2013 as uncertainty mounted over whether Cyprus can stave off bankruptcy after the country's government rejected a plan to contribute to a bailout by seizing money from people's bank accounts. (AP Photo/Richard Drew)

Stocks fell on Wall Street Thursday as Oracle's weak sales results weighed down big U.S. technology companies. Traders worried about Cyprus running out of time to avoid bankruptcy.

Major indexes followed European markets lower at the open. The Dow Jones industrial average fell as much as 98 points. By mid-day they had pared the losses. Shortly before noon eastern time, the Dow Jones industrial average and the Standard & Poor's 500 index were down about 0.3 percent. The Nasdaq composite index, which is heavily weighted toward tech shares, declined more than 0.6 percent.

All three indexes felt the drag from technology stocks after Oracle reported an unexpected decline in sales in its fiscal third quarter. Oracle was the biggest decliner in the S&P 500 index; Juniper networks also fell steeply. The S&P 500 fell five points to 1,553.

The Dow dropped 36 points to 14,476. Cisco was the Dow's biggest loser, followed by IBM, H-P and Intel.

The Nasdaq fell 20 points to 3,234.

Still, stocks remain near multi-year highs reached in recent weeks after a rally powered by optimism about the U.S. economy and the Federal Reserve's easy-money policies. The Dow is up 3 percent this month. The S&P 500 has gained 2.6 percent in March, and is 11 points from an all-time high set in October 2007.

The recent gains leave the market vulnerable to any negative news about corporate earnings, the economy or Europe, said Uri Landesman, president of the hedge fund Platinum Partners.

"It's priced like everything's going to be wonderful," Landesman said. He said stocks aren't likely to go higher in the next few weeks. They may drop another 3 percent before making another run at the S&P record sometime next month.

U.S. stocks are benefiting from money flowing out of other investments like bonds and overseas stocks, he added.

European markets closed sharply lower Thursday. The main indexes in Paris and Frankfurt fell a percentage point or more on fear that the crisis in Cyprus will intensify. The European Central Bank has threatened to end emergency support of the nation's banks next week unless leaders can secure more funding.

Cyprus must raise about $7.5 billion in the next four days to avoid bankruptcy. Several plans have failed, including a proposal to tax deposits held by the nation's banks. If the Mediterranean banking haven is unable to secure a bailout, its banks will fail and it could be forced to leave the euro currency.

In the U.S., the yield on the 10-year Treasury note fell to 1.94 percent from 1.96 percent earlier as demand increased for ultra-safe investments.

The U.S. job and housing markets continue to improve gradually, according to economic reports released Thursday morning. The Labor Department said the number of people claiming new unemployment benefits last week was roughly flat near a five-year low. Sales of existing homes rose in February to a three-year high, according to the National Association of Realtors.

In the tumbling tech sector, Oracle fell $2.98, or 8 percent, to $32.79. Juniper dropped 56 cents, or 3 percent, to $18.75. Cisco fell 75 cents, or 3 percent, to $20.92. IBM declined $3.45, or 2 percent, to $211.61. And Intel was off 11 cents, less than 1 percent, at $21.07.

Outside of technology, here are some stocks making big moves:

? Struggling drug company AstraZeneca jumped after saying it would cut 2,300 more jobs worldwide and overhaul its research operations. That brings to 11,000 the number of job cuts announced in the past 13 months. Shares rose $1.43, or 3 percent, to $47.61.

? Publisher Scholastic Corp. plunged after shrinking demand for its best-selling "The Hunger Games" books forced it to cut its guidance for the year. The company's fiscal third-quarter loss nearly doubled. Shares fell $4.48, or 14 percent, to $26.59.

? Movado Group Inc. dropped after the luxury watchmaker said its fiscal fourth-quarter net income fell 26 percent. The stock fell $1.96, or 5 percent, to $35.16.

___

Daniel Wagner can be reached at www.twitter.com/wagnerreports.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-03-21-US-Wall-Street/id-3f78970839a540e7b64bbf7068b85ea9

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Apple Patents iPhone Drop Protection Mechanisms That Are Built Right Into The Device

A new Apple patent filing describes a variety of methods to protect a dropped iPhone during a fall, lessening damage through a number of clever systems. The USPTO filing, spotted by AppleInsider, includes a rotational mechanism to change the orientation of a falling iPhone, for instance, as well as on-device thrusters, and a way to clamp down on inserted cables when a fall is detected.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/06D2eMLnW2A/

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Spring Cleaning: Tips To De-Clutter Your Life For A Fresh Start

It's one of the greatest ironies of life: We're too frantically busy to deal with the stuff that makes us feel frantically busy -- the to-dos that overwhelm us, the clutter that eats up our homes, the niggling personal and professional issues that preoccupy our minds. Tackling them might feel like a someday project, the kind you'll get around to when you have the time. Right.

The key to a calmer existence, experts say, is finding bite-size, everyday solutions for stressors and releasing what we can, be it physical or psychological clutter. "When you start to let go, your life lightens up because you have less to think about and less to maintain," says Geralin Thomas, a professional organizer in Cary, N.C. "You finally feel in control." The payoffs don't end there -- you can sharpen your focus and even lose weight, too. These are the strategies that will ease your load and let you enjoy life a lot more.

More from Health.com
5 Ways To Create A More Peaceful Home
Energy Booster: Stop The Stress
How to Clean Everything Better

Clear Your Schedule

Photo: Shutterstock
As we juggle it all, we're often fueled by an I-can-do-it! sense of pride. But we might be deluding ourselves, suggests a study in the Journal of Communication that found that people misperceive the emotional high they get from multitasking as productivity. And we're not even as good at it as we may think. Another study, published in Psychological Science, revealed that women's ability to keep track of several tasks at once dipped significantly during ovulation, when estrogen levels are high (and can mess with brain function).

Technology sometimes hampers us more than it helps, adds Laura Vanderkam, author of 168 Hours: You Have More Time Than You Think. "Time speeds by when you're on your smartphone e-mailing," she says, "even if you're really not doing anything important."

What To Do:

• Suss Out Time Sucks. For one day, every couple of hours note down exactly what you just did, including things like "Read Facebook updates for a half-hour" or "Scanned catalogs for 15 minutes after opening mail," says Vanderkam. "You start to see the time periods that you're not using as well as you'd like."
• Stop The Auto-Yes. "Everyone lives in an optimistic world and thinks that if we say yes we will find the time, but the truth is we are in denial," says Julie Morgenstern, one of the top organization and productivity experts in the country. Instead, experiment with saying, "Let me think about how I can do that," says Morgenstern. "This way you can step back and evaluate if you really can do what is being asked."
• Have A Plan. "Most people's to-do lists actually create fatigue, because they don't clarify how, exactly, they are going to handle Mom's birthday, so tasks feel bigger than they are," says David Allen, a productivity expert and author of the best seller Getting Things Done. Take a second to jot down how you'll tackle something. Feel better already?
• Just Do It. Allen regularly tells clients to follow his Two-Minute Rule: If something can be done in two minutes, go ahead and get it done. Explains Allen, "It will take you longer to look at it again than it would take to finish it the first time you think of it."
• Reconsider Rewards. Carefully examine your commitments, says Morgenstern, and decide which ones energize you -- and which deplete you. For the tasks that send your misery Geiger counter off the charts, pinpoint whatever reward you get from them and find a better way of scoring it. One client of Morgenstern's wasn't really enjoying volunteering for the PTA because it took time away from her kids, but she kept at it because she thought it showed her children she considered school important. Ultimately, she switched over to running the occasional fun class activity and giving her kids more hands-on help with homework. "These things took less time," Morgenstern notes, "and she and her family got more out of them."

Clear Your Clutter

Photo: Shutterstock
Dusting, mopping, vacuuming: That's easy. Getting rid of all the junk you have to dust, mop and vacuum around? Not so much. "Giving things up is tough because it's not so clear-cut when they're no longer useful," says Morgenstern, author of Shed Your Stuff, Change Your Life. You don't stop wearing jeggings on a Tuesday at 4 p.m.; you just gradually stop doing so, even as they languish on a hanger.

The thing is, those pile-ups of possessions can create anxiety; a study at UCLA found that just looking at clutter elevated women's stress hormones (although, no surprise, the men's cortisol levels remained unchanged). Motivation to get going on cleaning house: You may look better, too. As Geralin Thomas points out, "One big change I see in clients who have de-cluttered is weight loss. Once they have shaped their environment, they're ready to shape up themselves."

What To Do:

• Think Small. "We know from research that little acts of neatness cascade into larger acts of organization," says Christine Carter, Ph.D., a sociologist at UC Berkeley's Greater Good Science Center. Forget about organizing the entire kitchen; focus on, say, the plastic containers taking over your cabinets. "With random de-cluttering, there's always more that you can do," notes Thomas. "When one category is tackled, there's definitely an end point."
• Be A Regular. Perhaps you dedicate, say, 10 minutes a weekday to an organizing project. Or you commit to doing a couple of hours for a few weekends in a row. The point is, be consistent and attentive; turn off your cell phone and schedule child care. Thomas does a weekly "Trash Eve" de-clutter: "The garbage in my neighborhood is picked up on Wednesdays, which makes Tuesdays the night I make an easy supper and clear the decks!"
• Decide What's Treasure And What's Toss-Able. Ask yourself just one question before you start purging any collection of stuff, recommends Morgenstern: "If everything was stolen, what pieces would I go out and buy the very next day?" There you go -- the costume jewelry, canned goods and linens you truly want and need.
• Pre-Arrange Pickups. About 40 percent of people who purge never manage to get the stuff out of their homes, per a poll of 23,000 people on Morgenstern's website. Avoid becoming a hoarder statistic by scheduling a pickup before you start to clean your house. Try salvationarmyusa.org, goodwill.org or excess access.org, a not-for-profit that connects people with local schools and charities in need of specific goods.

Clear Your Mind

Photo: Shutterstock
It's not just that we have a lot to keep track of -- it's our DIY mentality, says Orit Avni-Barron, M.D., director of Women's Mental Health at Brigham and Women's Hospital in Boston. "I hear women say, 'My husband is so great, he helps me,'" as if our partners are our sous chefs instead of co-cooks. Another issue: Women worry twice as much as men, research shows. "Worrying impairs concentration and memory," says Robert Leahy, Ph.D., director of the American Institute for Cognitive Therapy in New York City. "You can't tend to the present and worry about the future at the same time. It's overwhelming."

What To Do:

• Pop Annoying Thought Bubbles. Psychologists talk of the Zeigarnik effect, named after a Russian shrink who realized that a waiter could more easily recall incomplete orders than served ones. The follow-up study showed that people are 90 percent more likely to remember undone tasks than those they completed. "Tell your brain when you'll get a task done," says Carter. "It kills the worry loop."
• Control What's Possible. "When we don't know how something will work out, we worry to get certainty," says Leahy. Yet one study at Penn State University found that 85 percent of things people fretted about had neutral or positive outcomes. To quell anxiety, throw yourself into what you can accomplish -- say, writing the introduction to the PowerPoint document instead of ruminating on the presentation. "You'll feel good about the present and put other thoughts on pause," says Leahy.
• Be Hands-On. Weed, knead dough, do a craft, says Gayatri Devi, M.D., associate professor of neurology at New York University. "When you think about something tangible, you stop thinking about the theoretical."
• Grade Perfection On A Curve. "We have reached a tipping point in perfection. People are realizing we can't do it all at the level that we used to," says Morgenstern. That means you, sister! Start with the obvious: Divvy up more responsibilities with your partner, even if he does them differently. And try Morgenstern's Minimum, Moderate, Maximum strategy: Decide what level of effort you can give tasks (and get away with). As she says, "You may be surprised to find that everything works out OK."

"How To Spring-Clean Your Life" originally appeared on Health.com

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Source: http://www.huffingtonpost.com/2013/03/20/how-to-spring-clean-your-life_n_2875639.html

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The Goddard School? Raises More than $185,000 for Ronald ...

The philanthropic campaign kicked off The Goddard School's 25th anniversary celebration.

KING OF PRUSSIA, Pa. - March 19, 2013 - (BUSINESS WIRE) - To celebrate 25 years of service as the leader in early childhood education, The Goddard School kicked off its festivities with a special philanthropic campaign to benefit Ronald McDonald House Charities? (RMHC?).

To commemorate its milestone anniversary, Goddard Schools nationwide participated in a variety of fundraising activities to support their local RMHC Chapters. In total, more than $185,000 was raised. Goddard Systems, Inc. (GSI), franchisor of The Goddard School, contributed a gift of $25,000 to help provide families a ?home-away-from-home? while their child receives specialized medical treatment far from home through the Ronald McDonald House? program.

?At The Goddard School, providing children with the opportunities for long-term success in school and in life is the focus of everything we do, so supporting RMHC seemed like the perfect way to celebrate that mission,? said Joe Schumacher, Chief Executive Officer for GSI. ?We are extremely proud of each of the nearly 400 Goddard Schools across the nation that helped us with this effort. This clearly demonstrates that when we work together, we can accomplish great things for our communities.?

In addition to collecting monetary donations, children at The Goddard School created birthday cards for their local RMHC Chapters. The birthday cards will be distributed throughout the year by RMHC directors to pediatric patients or family members celebrating birthdays during their hospital stay.

?With the unwavering support of donors like The Goddard School, at RMHC we are able to make a positive impact in the lives of children through our family-centered programs and services,? said J.C. Gonzalez-Mendez, president and CEO, RMHC.

?Our support of RMHC was the perfect opportunity to get the children involved and teach them the importance of giving back to their community,? said Paula Beverage, on-site owner of The Goddard School located in Independence, Ohio. Her school collected pop tabs, auctioned off the children?s artwork and hosted a silent auction to raise more than $3,000 for the Ronald McDonald House in Cleveland.

For Michelle Sims, Quality Assurance Representative at GSI, the partnership between The Goddard School and RMHC had personal significance. When her daughter was diagnosed with a rare form of cancer in 2004, Sims was referred to a pediatric specialist in New York. Unable to afford the constant commute between New York and their home in Florida, the Sims family spent more than five years in and out of the Ronald McDonald House in New York.

?Honestly, we would have never been able to afford to stay in New York for the amount of time we did if it weren?t for the Ronald McDonald House,? said Sims. ?Because of the cutting-edge treatment my daughter was able to receive, her life has been saved. I hope people understand this partnership isn?t just about fundraising; it is about making a real, meaningful difference in the lives of families.?

For more information, visit www.goddardschool.com.

The Goddard School?: Celebrating 25 Years of Learning through Play.

Learning for fun. Learning for life.SM The Goddard School uses the most current, academically endorsed methods to ensure that children from six weeks to six years old have fun while learning the skills they need for long-term success in school and in life. Talented teachers collaborate with parents to nurture children into respectful, confident and joyful learners. The Goddard School?s AdvancED and Middle States-accredited F.L.EX.SM Learning Program reaches more than 45,000 students in nearly 400 Goddard Schools in 35 states. The Goddard School?s comprehensive play-based curriculum, developed with early childhood education experts, provides the best childhood preparation for social and academic success. To learn more about The Goddard School, please visit www.goddardschool.com.

About Ronald McDonald House Charities

Ronald McDonald House Charities? (RMHC?), a non-profit, 501 (c) (3) corporation, creates, finds and supports programs that directly improve the health and wellbeing of children. Through its global network of local Chapters in 57 countries and regions, its three core programs, the Ronald McDonald House?, Ronald McDonald Family Room? and Ronald McDonald Care Mobile?, and millions of dollars in grants to support children's programs worldwide, RMHC provides stability and resources to families so they can get and keep their children healthy and happy. All RMHC-operated and supported programs provide a bridge to quality health care and give children and families the time they need together to heal faster and cope better. For more information, visit www.rmhc.org, follow RMHC on Twitter (@RMHC) or like RMHC on Facebook (Facebook.com/RMHC Global).

The following trademarks used herein are owned by McDonald's Corporation and its affiliates: Ronald McDonald House Charities, Ronald McDonald House Charities Logo, RMHC, Ronald McDonald House, Ronald McDonald Family Room, and Ronald McDonald Care Mobile.

Contact:

The Goddard School

Ashley Pitlyk
314-469-3500
apitlyk@standingpr.com

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Source: http://www.franchising.com/news/20130320_the_goddard_schoolreg_raises_more_than_185000_for_.html

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