text:
Editor's note: This is the first in a series of planned collaborations between CNN and the online investigative journalism organization, ProPublica.org.

Silver State Bank grew impressively under CEO Tod Little. He says he was forced out for favoring slow growth.

LAS VEGAS, Nevada (CNN) -- Sitting back in his leather chair, working as a consultant for a small Las Vegas bank, Tod Little is sure of one thing: Practically anyone, he says, could have made money as a banker in the go-go days of real estate in Nevada. Go-go days that lasted until the fall of 2008.

"It didn't take a rocket scientist to run a bank in this town for the past 10 years," Little told CNN.

CNN's Special Investigations Unit and the online investigative journalism organization ProPublica.org got a brief look inside the collapse of a regional bank. What the two organizations learned was both old and new: bankers giving themselves large salaries and generous bonuses, at the same time they are lending millions of dollars on what, according to one lawsuit, were essentially parcels of bare dirt with little potential of big income.

Silver State Bank had been in business in the Las Vegas suburb of Henderson for 10 years when Little, the bank's founder and CEO left. The bank had grown impressively under his guidance, but Little said his managers wanted more and he was forced out.

"They wanted bigger salaries, bigger lifestyle, fancier offices. Whatever. However you want to view that," Little told CNN.

One of those managers was new bank president Corey Johnson, who declined to answer any questions. Three other managers declined comment to CNN, as well.

Silver State and others loaned money on the promise of Las Vegas' commercial real estate boom with the belief that undeveloped land would be turned into shopping centers, hotels and offices. Records show that land and houses were being "flipped" or resold over and over at huge profits.

Bill Martin, a Las Vegas banker who once worked as a regulator for the Comptroller of the Currency in Washington, said what was happening to Silver State was clear.

"They were over-advancing on construction, you know, more liberal advances on construction," Martin said. "It all worked last year [and] the year before and the year before. So they just kept doing it."

Banking regulators issued repeated so-called "mild" warnings to banks concerned they were amassing large amounts of commercial development loans and lowering lending standards. But Martin says those warnings -- delivered by Federal Deposit Insurance Corporation personnel often on a quarterly or semi-annual basis in their field visits to Silver State -- were ignored.

One Silver State loan that turned out to be especially poor was to a Las Vegas developer who had been a longtime customer of the bank. According to bank records, a developer named Thomas Jurbala, received almost $100 million from Silver State during a 10-year period.

In 2008, Jurbala came calling again and the bank approved a $24 million loan for a piece of ground in North Las Vegas far from the Last Vegas strip, supposedly valued at $48 million. It was a so-called "interest reserve loan" in which the bank not only loaned the principle amount but the interest, as well. Then, according to bank records, it booked the interest as revenue.

Regulators say those sorts of deals are not uncommon in construction loans. But this particular piece of land was undeveloped with only a permit to build a casino there one day. It is near the Las Vegas Speedway and in court papers the developer said he hoped a casino could be built. However, the entire project was scrapped before a spade was ever turned, and the land sits empty surrounded by a fence. The project was scrapped because Silver State went under.

Doug French, the man who made that loan, reluctantly agreed to sit down with CNN for a taped interview. He is now vice president at a Libertarian think tank in Auburn, Alabama. French told CNN that at "the time" he believed the land was "very valuable." But when it all went up in smoke, he says, "It's very humbling, believe me."

French says mistakes at Silver State Bank were "preventable," but according to a lawsuit filed by the developer, the loans were part of a series of loans, each one preceding the other -- to different corporations.

At the time French left Silver State Bank, the bank told reporters he had resigned for "personal reasons." But French told CNN he was fired from Silver State.

According to Securities and Exchange Commission documents, he sold $1.8 million in Silver State stock from November 2007 through February 2008. That was on top of his $650,000 in salary and bonuses, according to bank records. He left the bank in March 2008.

In September 2008, when Silver State Bank collapsed, a group of elderly Las Vegas deaf residents was especially hurt. The local chapter of the Deaf Seniors Association put an estimated $400,000 into certificates of deposit sold by Silver State. That money was to be used to help fund the group's annual national convention in Las Vegas in 2009. The group lost half of its money. The FDIC said after it seized Silver State that it did not have enough capital to cover business activities.

"I just can't believe it happened," one woman told CNN through a sign language interpreter. "We're just so frustrated."

The group is trying to raise funds in a more traditional manner by making quilts. They have a very long road ahead, its members say.

Silver State Bank was the 25th bank to fail in the United States in 2008. As a result, the FDIC was left to cover more than a half-billion dollars in Silver State liabilities. Already this year, three U.S. banks have collapsed and experts predict many more will tumble as the economy continues to suffer.

text: Editor

text: 's

text: note

text: This

text: is

text: the

text: first

text: in

text: a

text: series

text: of

text: planned

text: collaborations

text: between

text: CNN

text: and

text: the

text: online

text: investigative

text: journalism

text: organization

text: ProPublica.org

text: Silver

text: State

text: Bank

text: grew

text: impressively

text: under

text: CEO

text: Tod

text: Little

text: He

text: says

text: he

text: was

text: forced

text: out

text: for

text: favoring

text: slow

text: growth

text: LAS

text: VEGAS

text: Nevada

text: CNN

text: Sitting

text: back

text: in

text: his

text: leather

text: chair

text: working

text: as

text: a

text: consultant

text: for

text: a

text: small

text: Las

text: Vegas

text: bank

text: Tod

text: Little

text: is

text: sure

text: of

text: one

text: thing

text: Practically

text: anyone

text: he

text: says

text: could

text: have

text: made

text: money

text: as

text: a

text: banker

text: in

text: the

text: go

text: go

text: days

text: of

text: real

text: estate

text: in

text: Nevada

text: Go

text: go

text: days

text: that

text: lasted

text: until

text: the

text: fall

text: of

text: It

text: did

text: n't

text: take

text: a

text: rocket

text: scientist

text: to

text: run

text: a

text: bank

text: in

text: this

text: town

text: for

text: the

text: past

text: years

text: Little

text: told

text: CNN

text: CNN

text: 's

text: Special

text: Investigations

text: Unit

text: and

text: the

text: online

text: investigative

text: journalism

text: organization

text: ProPublica.org

text: got

text: a

text: brief

text: look

text: inside

text: the

text: collapse

text: of

text: a

text: regional

text: bank

text: What

text: the

text: two

text: organizations

text: learned

text: was

text: both

text: old

text: and

text: new

text: bankers

text: giving

text: themselves

text: large

text: salaries

text: and

text: generous

text: bonuses

text: at

text: the

text: same

text: time

text: they

text: are

text: lending

text: millions

text: of

text: dollars

text: on

text: what

text: according

text: to

text: one

text: lawsuit

text: were

text: essentially

text: parcels

text: of

text: bare

text: dirt

text: with

text: little

text: potential

text: of

text: big

text: income

text: Silver

text: State

text: Bank

text: had

text: been

text: in

text: business

text: in

text: the

text: Las

text: Vegas

text: suburb

text: of

text: Henderson

text: for

text: years

text: when

text: Little

text: the

text: bank

text: 's

text: founder

text: and

text: CEO

text: left

text: The

text: bank

text: had

text: grown

text: impressively

text: under

text: his

text: guidance

text: but

text: Little

text: said

text: his

text: managers

text: wanted

text: more

text: and

text: he

text: was

text: forced

text: out

text: They

text: wanted

text: bigger

text: salaries

text: bigger

text: lifestyle

text: fancier

text: offices

text: Whatever

text: However

text: you

text: want

text: to

text: view

text: that

text: Little

text: told

text: CNN

text: One

text: of

text: those

text: managers

text: was

text: new

text: bank

text: president

text: Corey

text: Johnson

text: who

text: declined

text: to

text: answer

text: any

text: questions

text: Three

text: other

text: managers

text: declined

text: comment

text: to

text: CNN

text: as

text: well

text: Silver

text: State

text: and

text: others

text: loaned

text: money

text: on

text: the

text: promise

text: of

text: Las

text: Vegas

text: commercial

text: real

text: estate

text: boom

text: with

text: the

text: belief

text: that

text: undeveloped

text: land

text: would

text: be

text: turned

text: into

text: shopping

text: centers

text: hotels

text: and

text: offices

text: Records

text: show

text: that

text: land

text: and

text: houses

text: were

text: being

text: flipped

text: or

text: resold

text: over

text: and

text: over

text: at

text: huge

text: profits

text: Bill

text: Martin

text: a

text: Las

text: Vegas

text: banker

text: who

text: once

text: worked

text: as

text: a

text: regulator

text: for

text: the

text: Comptroller

text: of

text: the

text: Currency

text: in

text: Washington

text: said

text: what

text: was

text: happening

text: to

text: Silver

text: State

text: was

text: clear

text: They

text: were

text: over

text: advancing

text: on

text: construction

text: you

text: know

text: more

text: liberal

text: advances

text: on

text: construction

text: Martin

text: said

text: It

text: all

text: worked

text: last

text: year

text: and

text: the

text: year

text: before

text: and

text: the

text: year

text: before

text: So

text: they

text: just

text: kept

text: doing

text: it

text: Banking

text: regulators

text: issued

text: repeated

text: so

text: called

text: mild

text: warnings

text: to

text: banks

text: concerned

text: they

text: were

text: amassing

text: large

text: amounts

text: of

text: commercial

text: development

text: loans

text: and

text: lowering

text: lending

text: standards

text: But

text: Martin

text: says

text: those

text: warnings

text: delivered

text: by

text: Federal

text: Deposit

text: Insurance

text: Corporation

text: personnel

text: often

text: on

text: a

text: quarterly

text: or

text: semi

text: annual

text: basis

text: in

text: their

text: field

text: visits

text: to

text: Silver

text: State

text: were

text: ignored

text: One

text: Silver

text: State

text: loan

text: that

text: turned

text: out

text: to

text: be

text: especially

text: poor

text: was

text: to

text: a

text: Las

text: Vegas

text: developer

text: who

text: had

text: been

text: a

text: longtime

text: customer

text: of

text: the

text: bank

text: According

text: to

text: bank

text: records

text: a

text: developer

text: named

text: Thomas

text: Jurbala

text: received

text: almost

text: million

text: from

text: Silver

text: State

text: during

text: a

text: period

text: In

text: Jurbala

text: came

text: calling

text: again

text: and

text: the

text: bank

text: approved

text: a

text: million

text: loan

text: for

text: a

text: piece

text: of

text: ground

text: in

text: North

text: Las

text: Vegas

text: far

text: from

text: the

text: Last

text: Vegas

text: strip

text: supposedly

text: valued

text: at

text: million

text: It

text: was

text: a

text: so

text: called

text: interest

text: reserve

text: loan

text: in

text: which

text: the

text: bank

text: not

text: only

text: loaned

text: the

text: principle

text: amount

text: but

text: the

text: interest

text: as

text: well

text: Then

text: according

text: to

text: bank

text: records

text: it

text: booked

text: the

text: interest

text: as

text: revenue

text: Regulators

text: say

text: those

text: sorts

text: of

text: deals

text: are

text: not

text: uncommon

text: in

text: construction

text: loans

text: But

text: this

text: particular

text: piece

text: of

text: land

text: was

text: undeveloped

text: with

text: only

text: a

text: permit

text: to

text: build

text: a

text: casino

text: there

text: one

text: day

text: It

text: is

text: near

text: the

text: Las

text: Vegas

text: Speedway

text: and

text: in

text: court

text: papers

text: the

text: developer

text: said

text: he

text: hoped

text: a

text: casino

text: could

text: be

text: built

text: However

text: the

text: entire

text: project

text: was

text: scrapped

text: before

text: a

text: spade

text: was

text: ever

text: turned

text: and

text: the

text: land

text: sits

text: empty

text: surrounded

text: by

text: a

text: fence

text: The

text: project

text: was

text: scrapped

text: because

text: Silver

text: State

text: went

text: under

text: Doug

text: French

text: the

text: man

text: who

text: made

text: that

text: loan

text: reluctantly

text: agreed

text: to

text: sit

text: down

text: with

text: CNN

text: for

text: a

text: taped

text: interview

text: He

text: is

text: now

text: vice

text: president

text: at

text: a

text: Libertarian

text: think

text: tank

text: in

text: Auburn

text: Alabama

text: French

text: told

text: CNN

text: that

text: at

text: the

text: time

text: he

text: believed

text: the

text: land

text: was

text: very

text: valuable

text: But

text: when

text: it

text: all

text: went

text: up

text: in

text: smoke

text: he

text: says

text: It

text: 's

text: very

text: humbling

text: believe

text: me

text: French

text: says

text: mistakes

text: at

text: Silver

text: State

text: Bank

text: were

text: preventable

text: but

text: according

text: to

text: a

text: lawsuit

text: filed

text: by

text: the

text: developer

text: the

text: loans

text: were

text: part

text: of

text: a

text: series

text: of

text: loans

text: each

text: one

text: preceding

text: the

text: other

text: to

text: different

text: corporations

text: At

text: the

text: time

text: French

text: left

text: Silver

text: State

text: Bank

text: the

text: bank

text: told

text: reporters

text: he

text: had

text: resigned

text: for

text: personal

text: reasons

text: But

text: French

text: told

text: CNN

text: he

text: was

text: fired

text: from

text: Silver

text: State

text: According

text: to

text: Securities

text: and

text: Exchange

text: Commission

text: documents

text: he

text: sold

text: million

text: in

text: Silver

text: State

text: stock

text: from

text: November

text: through

text: February

text: That

text: was

text: on

text: top

text: of

text: his

text: in

text: salary

text: and

text: bonuses

text: according

text: to

text: bank

text: records

text: He

text: left

text: the

text: bank

text: in

text: March

text: In

text: September

text: when

text: Silver

text: State

text: Bank

text: collapsed

text: a

text: group

text: of

text: elderly

text: Las

text: Vegas

text: deaf

text: residents

text: was

text: especially

text: hurt

text: The

text: local

text: chapter

text: of

text: the

text: Deaf

text: Seniors

text: Association

text: put

text: an

text: estimated

text: into

text: certificates

text: of

text: deposit

text: sold

text: by

text: Silver

text: State

text: That

text: money

text: was

text: to

text: be

text: used

text: to

text: help

text: fund

text: the

text: group

text: 's

text: annual

text: national

text: convention

text: in

text: Las

text: Vegas

text: in

text: The

text: group

text: lost

text: half

text: of

text: its

text: money

text: The

text: FDIC

text: said

text: after

text: it

text: seized

text: Silver

text: State

text: that

text: it

text: did

text: not

text: have

text: enough

text: capital

text: to

text: cover

text: business

text: activities

text: I

text: just

text: ca

text: n't

text: believe

text: it

text: happened

text: one

text: woman

text: told

text: CNN

text: through

text: a

text: sign

text: language

text: interpreter

text: We

text: 're

text: just

text: so

text: frustrated

text: The

text: group

text: is

text: trying

text: to

text: raise

text: funds

text: in

text: a

text: more

text: traditional

text: manner

text: by

text: making

text: quilts

text: They

text: have

text: a

text: very

text: long

text: road

text: ahead

text: its

text: members

text: say

text: Silver

text: State

text: Bank

text: was

text: the

text: bank

text: to

text: fail

text: in

text: the

text: United

text: States

text: in

text: As

text: a

text: result

text: the

text: FDIC

text: was

text: left

text: to

text: cover

text: more

text: than

text: a

text: half

text: billion

text: dollars

text: in

text: Silver

text: State

text: liabilities

text: Already

text: this

text: year

text: three

text: U.S.

text: banks

text: have

text: collapsed

text: and

text: experts

text: predict

text: many

text: more

text: will

text: tumble

text: as

text: the

text: economy

text: continues

text: to

text: suffer

question: what ignored Silver state?

answer: warnings

text: warnings

question: what company did he work for

answer: Silver State Bank

text: Silver State Bank

question: what say Bank CEO?

answer: he was forced out for favoring slow growth.

text: he was forced out for favoring slow growth.

question: What did Silver State ignore?

answer: warnings to banks concerned they were amassing large amounts of commercial development loans and lowering lending standards.

text: warnings to banks concerned they were amassing large amounts of commercial development loans and lowering lending standards.

question: When did Silver State fail?

answer: September 2008,

text: September 2008,

question: Who was forced out?

answer: Tod Little.

text: Tod Little.

question: what banks failed

answer: Silver State

text: Silver State


text:
NEW DELHI, India (CNN) -- Doctors say an encephalitis outbreak has killed 130 people -- mostly children -- in northern India since January.

The outbreak of acute encephalitis -- an inflammation of brain tissue -- is mostly concentrated in eastern parts of Uttar Pradesh, said V.S. Nigam, the state's nodal officer for tackling the disease.

He told CNN that 640 patients had tested positive for the infection, including 30 with Japanese encephalitis, which is spread by mosquitoes.

Acute encephalitis can be spread in various ways, including a bacterial or viral infection; the ingesting of toxic substances; and complications of a disease.

The disease has mostly struck children up to 15 years old, Nigam added.

text: NEW

text: DELHI

text: India

text: CNN

text: Doctors

text: say

text: an

text: encephalitis

text: outbreak

text: has

text: killed

text: people

text: mostly

text: children

text: in

text: northern

text: India

text: since

text: January

text: The

text: outbreak

text: of

text: acute

text: encephalitis

text: an

text: inflammation

text: of

text: brain

text: tissue

text: is

text: mostly

text: concentrated

text: in

text: eastern

text: parts

text: of

text: Uttar

text: Pradesh

text: said

text: V.S.

text: Nigam

text: the

text: state

text: 's

text: nodal

text: officer

text: for

text: tackling

text: the

text: disease

text: He

text: told

text: CNN

text: that

text: patients

text: had

text: tested

text: positive

text: for

text: the

text: infection

text: including

text: with

text: Japanese

text: encephalitis

text: which

text: is

text: spread

text: by

text: mosquitoes

text: Acute

text: encephalitis

text: can

text: be

text: spread

text: in

text: various

text: ways

text: including

text: a

text: bacterial

text: or

text: viral

text: infection

text: the

text: ingesting

text: of

text: toxic

text: substances

text: and

text: complications

text: of

text: a

text: disease

text: The

text: disease

text: has

text: mostly

text: struck

text: children

text: up

text: to

text: years

text: old

text: Nigam

text: added

question: What is an inflammation of brain tissue called?

answer: Acute encephalitis

text: Acute encephalitis

question: where have these people been killed

answer: northern India

text: northern India

question: who many people have been killed

answer: 130

question: Where did the outbreaks occur?

answer: in northern India

text: in northern India

question: what outbreak has killed 130 people

answer: an encephalitis

text: an encephalitis

question: What parts of Uttar Pradesh was the outbreak concentrated in?

answer: eastern

text: eastern

question: What caused the outbreaks?

answer: mosquitoes.

text: mosquitoes.


text:
(CNN) -- I wish the titans of Wall Street could meet Mark Dalton.

Not that it would be likely to change anything. But I wish the leaders of Goldman Sachs and of the other big banking firms could talk to Mark Dalton for just a few minutes.

They might learn a few things about how to better connect with the American people.

I didn't know Dalton's last name until a few days ago. For almost two years, I've held onto something he mailed to me. There was no reason not to throw it out, yet I had a feeling that someday I'd want to refer to it.

That day is now. With the public's wariness of Wall Street growing, with Goldman Sachs being accused of fraud by the Securities and Exchange Commission (even as Goldman was announcing first-quarter profits of $3.46 billion, nearly twice as much as in the first quarter a year ago), with investors wondering if they're being given a fair shake by the firms to which they have entrusted their money, Mark Dalton's way of doing business might be worthy of at least a moment's attention.

I came across him quite by chance. I occasionally purchase used books -- titles that have gone out of print. Sometimes I will place my orders through Amazon.com, which offers an online marketplace for local used-book merchants around the country.

In 2008, I found a book I was looking for on that Amazon marketplace, and submitted an order. The price was more than reasonable: $6.95 for the used hardcover. Used books are not shipped by Amazon itself, but by the local booksellers.

A week or so after I placed the order, the package arrived, from High View Books in Smithfield, Rhode Island. The book seemed to be in good shape. I was pleased.

But with it was a personal letter to me. It said:

"Thank your for your recent book order. I have enclosed a check to you for $2.95. The reason for this is that this book is only in 'Very Good' condition, while I mistakenly described it as being in 'Near Fine' condition in my listing. Please accept my apologies for the error. (Also, please note, the soiling that you see on the dust jacket is actually on the Mylar and not the dust jacket itself.)"

He wrote that he hoped his apology and the refund were satisfactory. Sure enough, tucked into the book was a check made out to me, for $2.95.

I was surprised by the gesture. Yes, in his online listing for the book he had said it was in "Near Fine" condition, but who really knows what those designations mean? You see them all the time describing used books: "Fair," "Good," "Very Good," "Near Fine," "Fine"-- they would seem to be approximations. I had no complaints about the condition of the book I had bought from him. If I had paid $6.95, and he had refunded $2.95, and Amazon had taken its commission, how was he supposed to make a living?

I mailed his check back to him, thanking him for it and telling him how impressed I was with the way he did business. I told him I could not accept the refund.

And for some reason, I couldn't toss the letter. It made me feel hopeful about certain things.

With Wall Street losing people's confidence in recent days over the way it is alleged to treat its customers' money, I got the letter out again. He had just signed it "Mark at High View Books"; I was able to find him in Smithfield, which is how I found out that he was Mark Dalton.

He seemed as surprised to be hearing from me as I was when I had gotten his refund check. He's 42 years old; High View Drive is the street on which he lives, and his used books -- about 4,000 of them at last count -- are kept in his garage.

Business, he said, is not so good. "I'm pretty small-time," he said. "When I first started doing this about three years ago, I was selling 15 or 20 books a day. But now, that's down to 15 or 20 books every few days."

He said that his wife is a schoolteacher; without her salary, he couldn't make it. He said he tries to run his business professionally and in good faith, but is finding that the results "are pretty pathetic, dollar-wise."

I asked him the question that had been in the back of my mind since I first heard from him: As he was struggling to make a living, why, exactly, on my $6.95 order, had he decided to send me that refund check for $2.95? He couldn't have been making much of a profit on the order in the first place.

"I just try to do things right," he said. "When I went to mail that book to you, I must have noticed that it wasn't in as good a condition as I had promised on my Amazon listing. I want my customers to be happy and to believe I'm being fair with them."

Such a simple proposition. Yet with the financial news we've become conditioned to reading about. . . .

I asked Dalton if he had been following the recent reports from Wall Street. He said he had.

"I suppose if you're in charge of a multi-billion dollar bank -- billions in profits, millions in bonuses -- maybe you can lose sight of where you came from," he said.

As for his own business: "I know I'm doing it right in how I treat my customers, and that gives me peace of mind, but it's not generating the results I had hoped." He said he is considering looking for some other kind of work.

I thanked him again for that letter he had sent to me two years ago, and he thanked me again for remembering. By his own admission, as a businessman he lacks the killer instinct, the appetite for working the angles; he would undoubtedly be an abject failure on Wall Street.

If only it weren't so.

The opinions expressed in this commentary are solely those of Bob Greene.

text: CNN

text: I

text: wish

text: the

text: titans

text: of

text: Wall

text: Street

text: could

text: meet

text: Mark

text: Dalton

text: Not

text: that

text: it

text: would

text: be

text: likely

text: to

text: change

text: anything

text: But

text: I

text: wish

text: the

text: leaders

text: of

text: Goldman

text: Sachs

text: and

text: of

text: the

text: other

text: big

text: banking

text: firms

text: could

text: talk

text: to

text: Mark

text: Dalton

text: for

text: just

text: a

text: few

text: minutes

text: They

text: might

text: learn

text: a

text: few

text: things

text: about

text: how

text: to

text: better

text: connect

text: with

text: the

text: American

text: people

text: I

text: did

text: n't

text: know

text: Dalton

text: 's

text: last

text: name

text: until

text: a

text: few

text: days

text: ago

text: For

text: almost

text: two

text: years

text: I

text: 've

text: held

text: onto

text: something

text: he

text: mailed

text: to

text: me

text: There

text: was

text: no

text: reason

text: not

text: to

text: throw

text: it

text: out

text: yet

text: I

text: had

text: a

text: feeling

text: that

text: someday

text: I

text: 'd

text: want

text: to

text: refer

text: to

text: it

text: That

text: day

text: is

text: now

text: With

text: the

text: public

text: 's

text: wariness

text: of

text: Wall

text: Street

text: growing

text: with

text: Goldman

text: Sachs

text: being

text: accused

text: of

text: fraud

text: by

text: the

text: Securities

text: and

text: Exchange

text: Commission

text: even

text: as

text: Goldman

text: was

text: announcing

text: first

text: quarter

text: profits

text: of

text: billion

text: nearly

text: twice

text: as

text: much

text: as

text: in

text: the

text: first

text: quarter

text: a

text: year

text: ago

text: with

text: investors

text: wondering

text: if

text: they

text: 're

text: being

text: given

text: a

text: fair

text: shake

text: by

text: the

text: firms

text: to

text: which

text: they

text: have

text: entrusted

text: their

text: money

text: Mark

text: Dalton

text: 's

text: way

text: of

text: doing

text: business

text: might

text: be

text: worthy

text: of

text: at

text: least

text: a

text: moment

text: 's

text: attention

text: I

text: came

text: across

text: him

text: quite

text: by

text: chance

text: I

text: occasionally

text: purchase

text: used

text: books

text: titles

text: that

text: have

text: gone

text: out

text: of

text: print

text: Sometimes

text: I

text: will

text: place

text: my

text: orders

text: through

text: Amazon.com

text: which

text: offers

text: an

text: online

text: marketplace

text: for

text: local

text: used

text: book

text: merchants

text: around

text: the

text: country

text: In

text: I

text: found

text: a

text: book

text: I

text: was

text: looking

text: for

text: on

text: that

text: Amazon

text: marketplace

text: and

text: submitted

text: an

text: order

text: The

text: price

text: was

text: more

text: than

text: reasonable

text: for

text: the

text: used

text: hardcover

text: Used

text: books

text: are

text: not

text: shipped

text: by

text: Amazon

text: itself

text: but

text: by

text: the

text: local

text: booksellers

text: A

text: week

text: or

text: so

text: after

text: I

text: placed

text: the

text: order

text: the

text: package

text: arrived

text: from

text: High

text: View

text: Books

text: in

text: Smithfield

text: Rhode

text: Island

text: The

text: book

text: seemed

text: to

text: be

text: in

text: good

text: shape

text: I

text: was

text: pleased

text: But

text: with

text: it

text: was

text: a

text: personal

text: letter

text: to

text: me

text: It

text: said

text: Thank

text: your

text: for

text: your

text: recent

text: book

text: order

text: I

text: have

text: enclosed

text: a

text: check

text: to

text: you

text: for

text: The

text: reason

text: for

text: this

text: is

text: that

text: this

text: book

text: is

text: only

text: in

text: Very

text: Good

text: condition

text: while

text: I

text: mistakenly

text: described

text: it

text: as

text: being

text: in

text: Near

text: Fine

text: condition

text: in

text: my

text: listing

text: Please

text: accept

text: my

text: apologies

text: for

text: the

text: error

text: Also

text: please

text: note

text: the

text: soiling

text: that

text: you

text: see

text: on

text: the

text: dust

text: jacket

text: is

text: actually

text: on

text: the

text: Mylar

text: and

text: not

text: the

text: dust

text: jacket

text: itself

text: He

text: wrote

text: that

text: he

text: hoped

text: his

text: apology

text: and

text: the

text: refund

text: were

text: satisfactory

text: Sure

text: enough

text: tucked

text: into

text: the

text: book

text: was

text: a

text: check

text: made

text: out

text: to

text: me

text: for

text: I

text: was

text: surprised

text: by

text: the

text: gesture

text: Yes

text: in

text: his

text: online

text: listing

text: for

text: the

text: book

text: he

text: had

text: said

text: it

text: was

text: in

text: Near

text: Fine

text: condition

text: but

text: who

text: really

text: knows

text: what

text: those

text: designations

text: mean

text: You

text: see

text: them

text: all

text: the

text: time

text: describing

text: used

text: books

text: Fair

text: Good

text: Very

text: Good

text: Near

text: Fine

text: Fine"--

text: they

text: would

text: seem

text: to

text: be

text: approximations

text: I

text: had

text: no

text: complaints

text: about

text: the

text: condition

text: of

text: the

text: book

text: I

text: had

text: bought

text: from

text: him

text: If

text: I

text: had

text: paid

text: and

text: he

text: had

text: refunded

text: and

text: Amazon

text: had

text: taken

text: its

text: commission

text: how

text: was

text: he

text: supposed

text: to

text: make

text: a

text: living

text: I

text: mailed

text: his

text: check

text: back

text: to

text: him

text: thanking

text: him

text: for

text: it

text: and

text: telling

text: him

text: how

text: impressed

text: I

text: was

text: with

text: the

text: way

text: he

text: did

text: business

text: I

text: told

text: him

text: I

text: could

text: not

text: accept

text: the

text: refund

text: And

text: for

text: some

text: reason

text: I

text: could

text: n't

text: toss

text: the

text: letter

text: It

text: made

text: me

text: feel

text: hopeful

text: about

text: certain

text: things

text: With

text: Wall

text: Street

text: losing

text: people

text: 's

text: confidence

text: in

text: recent

text: days

text: over

text: the

text: way

text: it

text: is

text: alleged

text: to

text: treat

text: its

text: customers

text: money

text: I

text: got

text: the

text: letter

text: out

text: again

text: He

text: had

text: just

text: signed

text: it

text: Mark

text: at

text: High

text: View

text: Books

text: I

text: was

text: able

text: to

text: find

text: him

text: in

text: Smithfield

text: which

text: is

text: how

text: I

text: found

text: out

text: that

text: he

text: was

text: Mark

text: Dalton

text: He

text: seemed

text: as

text: surprised

text: to

text: be

text: hearing

text: from

text: me

text: as

text: I

text: was

text: when

text: I

text: had

text: gotten

text: his

text: refund

text: check

text: He

text: 's

text: years

text: old

text: High

text: View

text: Drive

text: is

text: the

text: street

text: on

text: which

text: he

text: lives

text: and

text: his

text: used

text: books

text: about

text: of

text: them

text: at

text: last

text: count

text: are

text: kept

text: in

text: his

text: garage

text: Business

text: he

text: said

text: is

text: not

text: so

text: good

text: I

text: 'm

text: pretty

text: small

text: time

text: he

text: said

text: When

text: I

text: first

text: started

text: doing

text: this

text: about

text: three

text: years

text: ago

text: I

text: was

text: selling

text: or

text: books

text: a

text: day

text: But

text: now

text: that

text: 's

text: down

text: to

text: or

text: books

text: every

text: few

text: days

text: He

text: said

text: that

text: his

text: wife

text: is

text: a

text: schoolteacher

text: without

text: her

text: salary

text: he

text: could

text: n't

text: make

text: it

text: He

text: said

text: he

text: tries

text: to

text: run

text: his

text: business

text: professionally

text: and

text: in

text: good

text: faith

text: but

text: is

text: finding

text: that

text: the

text: results

text: are

text: pretty

text: pathetic

text: dollar

text: wise

text: I

text: asked

text: him

text: the

text: question

text: that

text: had

text: been

text: in

text: the

text: back

text: of

text: my

text: mind

text: since

text: I

text: first

text: heard

text: from

text: him

text: As

text: he

text: was

text: struggling

text: to

text: make

text: a

text: living

text: why

text: exactly

text: on

text: my

text: order

text: had

text: he

text: decided

text: to

text: send

text: me

text: that

text: refund

text: check

text: for

text: He

text: could

text: n't

text: have

text: been

text: making

text: much

text: of

text: a

text: profit

text: on

text: the

text: order

text: in

text: the

text: first

text: place

text: I

text: just

text: try

text: to

text: do

text: things

text: right

text: he

text: said

text: When

text: I

text: went

text: to

text: mail

text: that

text: book

text: to

text: you

text: I

text: must

text: have

text: noticed

text: that

text: it

text: was

text: n't

text: in

text: as

text: good

text: a

text: condition

text: as

text: I

text: had

text: promised

text: on

text: my

text: Amazon

text: listing

text: I

text: want

text: my

text: customers

text: to

text: be

text: happy

text: and

text: to

text: believe

text: I

text: 'm

text: being

text: fair

text: with

text: them

text: Such

text: a

text: simple

text: proposition

text: Yet

text: with

text: the

text: financial

text: news

text: we

text: 've

text: become

text: conditioned

text: to

text: reading

text: about

text: I

text: asked

text: Dalton

text: if

text: he

text: had

text: been

text: following

text: the

text: recent

text: reports

text: from

text: Wall

text: Street

text: He

text: said

text: he

text: had

text: I

text: suppose

text: if

text: you

text: 're

text: in

text: charge

text: of

text: a

text: multi

text: billion

text: dollar

text: bank

text: billions

text: in

text: profits

text: millions

text: in

text: bonuses

text: maybe

text: you

text: can

text: lose

text: sight

text: of

text: where

text: you

text: came

text: from

text: he

text: said

text: As

text: for

text: his

text: own

text: business

text: I

text: know

text: I

text: 'm

text: doing

text: it

text: right

text: in

text: how

text: I

text: treat

text: my

text: customers

text: and

text: that

text: gives

text: me

text: peace

text: of

text: mind

text: but

text: it

text: 's

text: not

text: generating

text: the

text: results

text: I

text: had

text: hoped

text: He

text: said

text: he

text: is

text: considering

text: looking

text: for

text: some

text: other

text: kind

text: of

text: work

text: I

text: thanked

text: him

text: again

text: for

text: that

text: letter

text: he

text: had

text: sent

text: to

text: me

text: two

text: years

text: ago

text: and

text: he

text: thanked

text: me

text: again

text: for

text: remembering

text: By

text: his

text: own

text: admission

text: as

text: a

text: businessman

text: he

text: lacks

text: the

text: killer

text: instinct

text: the

text: appetite

text: for

text: working

text: the

text: angles

text: he

text: would

text: undoubtedly

text: be

text: an

text: abject

text: failure

text: on

text: Wall

text: Street

text: If

text: only

text: it

text: were

text: n't

text: so

text: The

text: opinions

text: expressed

text: in

text: this

text: commentary

text: are

text: solely

text: those

text: of

text: Bob

text: Greene

question: What does the book dealer want customers to be?

answer: happy and to believe I'm being fair with them."

text: happy and to believe I'm being fair with them."

question: What is being accused of shady practices?

answer: fraud by the Securities and Exchange Commission

text: fraud by the Securities and Exchange Commission

question: Who is being accused of shady business practices?

answer: Goldman Sachs

text: Goldman Sachs

question: What did the book dealer say?

answer: "I know I'm doing it right in how I treat my customers, and that gives me peace of mind, but it's not generating the results I had hoped." He said he is considering looking for some other kind of work.

text: "I know I'm doing it right in how I treat my customers, and that gives me peace of mind, but it's not generating the results I had hoped." He said he is considering looking for some other kind of work.


text:
KABUL, Afghanistan (CNN) -- The U.N. Security Council voted unanimously to pass a resolution extending the mandate of NATO-led military forces in Afghanistan for a year, hours after a deadly bombing near the Indian Embassy in Kabul.

The bomb exploded in the center of Kabul on the corner of Passport Lane and the Indian Embassy.

The suicide car bomb attack on Thursday left at least 17 people dead, most of them civilians, and 63 wounded.

"I think this is another reminder of the dangers that the Taliban pose to the Afghan population and to the international community in Afghanistan, and the importance of the continued international efforts there," said John Sawers, Britain's ambassador to the world body, after the resolution was passed.

The council provides international legal approval for the deployment of NATO troops to assist in the protection of civilians in armed conflict.

The resolution, however, did not address troop numbers, an issue that has generated controversy since the commander of U.S. and NATO forces in Afghanistan, Gen. Stanley McChrystal, requested an additional 40,000 troops.

The Security Council also condemned the attack, calling for the "perpetrators, organizers, financiers and sponsors of this reprehensible act of terrorism" to be brought to justice.

In addition to extending the mandate, the resolution stressed the need to bolster Afghan security forces to help them become self-sufficient in protecting their country.

Anders Fogh Rasmussen, NATO's new leader, recently announced that NATO forces would begin training Afghan police and increase training of the Afghan National Army.

Some 90,000 international forces are deployed in Afghanistan, with 35,000 serving with NATO and 65,000 with the United States.

The Taliban claimed responsibility for the Thursday bombing, saying an Afghan national in a sport utility vehicle carried out the attack.

The bomber had intended to strike the embassy, Indian officials said.  Watch what a local shopkeeper says about the area Â»

"The suicide attack(er) ... attempted (to go) through one of the embassy gates," Vishnu Prakash, spokesman for India's external affairs ministry, told CNN on Thursday. "The embassy was the target."

The bomb went off about 8:30 a.m., just as offices and shops were opening for the day. The force of the blast shattered some of the embassy's windows, according to Prakash.

The bombing came a year after a similar deadly attack outside the Indian Embassy.

The Thursday attack killed 17 -- most of them civilians -- and 63 were wounded, Interior Ministry spokesman Ezmary Bashary said.

The Taliban said the attack killed 35 people, including high-ranking Indian Embassy officials, as well as international and Afghan police officers.

The blast damaged a security checkpoint outside the the embassy, said staffer J.P. Singh, but "there were no casualties on the Indian side."

The embassy is in the center of Kabul, in a shop-lined street across from the Interior Ministry and several other government buildings.

The explosion shattered car windows and toppled restaurant walls. Paramedics dug through twisted metal and debris, looking for survivors.

A statement from President Hamid Karzai's office called the blast an obvious assault on civilians and said "the perpetrators of this attack and those who planned it were vicious terrorists who killed innocent people for their malicious goals."

About a year ago, another suicide car bomb detonated outside the embassy. Among the 58 people killed in the July 7, 2008, attack were two Indian diplomats and 14 students at a nearby school.

More than 100 were wounded in that blast.

Afghan and Indian officials accused Pakistan's spy agency of involvement in that attack. Pakistan denied the accusation.

India is the sixth largest donor to Afghanistan, providing millions of dollars to help with reconstruction efforts there.

CNN's Atia Abawi and Harmeet Shah Singh contributed to this report.

text: KABUL

text: Afghanistan

text: CNN

text: The

text: U.N.

text: Security

text: Council

text: voted

text: unanimously

text: to

text: pass

text: a

text: resolution

text: extending

text: the

text: mandate

text: of

text: NATO

text: led

text: military

text: forces

text: in

text: Afghanistan

text: for

text: a

text: year

text: hours

text: after

text: a

text: deadly

text: bombing

text: near

text: the

text: Indian

text: Embassy

text: in

text: Kabul

text: The

text: bomb

text: exploded

text: in

text: the

text: center

text: of

text: Kabul

text: on

text: the

text: corner

text: of

text: Passport

text: Lane

text: and

text: the

text: Indian

text: Embassy

text: The

text: suicide

text: car

text: bomb

text: attack

text: on

text: Thursday

text: left

text: at

text: least

text: people

text: dead

text: most

text: of

text: them

text: civilians

text: and

text: wounded

text: I

text: think

text: this

text: is

text: another

text: reminder

text: of

text: the

text: dangers

text: that

text: the

text: Taliban

text: pose

text: to

text: the

text: Afghan

text: population

text: and

text: to

text: the

text: international

text: community

text: in

text: Afghanistan

text: and

text: the

text: importance

text: of

text: the

text: continued

text: international

text: efforts

text: there

text: said

text: John

text: Sawers

text: Britain

text: 's

text: ambassador

text: to

text: the

text: world

text: body

text: after

text: the

text: resolution

text: was

text: passed

text: The

text: council

text: provides

text: international

text: legal

text: approval

text: for

text: the

text: deployment

text: of

text: NATO

text: troops

text: to

text: assist

text: in

text: the

text: protection

text: of

text: civilians

text: in

text: armed

text: conflict

text: The

text: resolution

text: however

text: did

text: not

text: address

text: troop

text: numbers

text: an

text: issue

text: that

text: has

text: generated

text: controversy

text: since

text: the

text: commander

text: of

text: U.S.

text: and

text: NATO

text: forces

text: in

text: Afghanistan

text: Gen.

text: Stanley

text: McChrystal

text: requested

text: an

text: additional

text: troops

text: The

text: Security

text: Council

text: also

text: condemned

text: the

text: attack

text: calling

text: for

text: the

text: perpetrators

text: organizers

text: financiers

text: and

text: sponsors

text: of

text: this

text: reprehensible

text: act

text: of

text: terrorism

text: to

text: be

text: brought

text: to

text: justice

text: In

text: addition

text: to

text: extending

text: the

text: mandate

text: the

text: resolution

text: stressed

text: the

text: need

text: to

text: bolster

text: Afghan

text: security

text: forces

text: to

text: help

text: them

text: become

text: self

text: sufficient

text: in

text: protecting

text: their

text: country

text: Anders

text: Fogh

text: Rasmussen

text: NATO

text: 's

text: new

text: leader

text: recently

text: announced

text: that

text: NATO

text: forces

text: would

text: begin

text: training

text: Afghan

text: police

text: and

text: increase

text: training

text: of

text: the

text: Afghan

text: National

text: Army

text: Some

text: international

text: forces

text: are

text: deployed

text: in

text: Afghanistan

text: with

text: serving

text: with

text: NATO

text: and

text: with

text: the

text: United

text: States

text: The

text: Taliban

text: claimed

text: responsibility

text: for

text: the

text: Thursday

text: bombing

text: saying

text: an

text: Afghan

text: national

text: in

text: a

text: sport

text: utility

text: vehicle

text: carried

text: out

text: the

text: attack

text: The

text: bomber

text: had

text: intended

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text: strike

text: the

text: embassy

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text: officials

text: said

text: Watch

text: what

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text: suicide

text: attack(er

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text: embassy

text: gates

text: Vishnu

text: Prakash

text: spokesman

text: for

text: India

text: 's

text: external

text: affairs

text: ministry

text: told

text: CNN

text: on

text: Thursday

text: The

text: embassy

text: was

text: the

text: target

text: The

text: bomb

text: went

text: off

text: about

text: a.m.

text: just

text: as

text: offices

text: and

text: shops

text: were

text: opening

text: for

text: the

text: day

text: The

text: force

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text: the

text: blast

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text: of

text: the

text: embassy

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text: windows

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text: The

text: bombing

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text: year

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text: similar

text: deadly

text: attack

text: outside

text: the

text: Indian

text: Embassy

text: The

text: Thursday

text: attack

text: killed

text: most

text: of

text: them

text: civilians

text: and

text: were

text: wounded

text: Interior

text: Ministry

text: spokesman

text: Ezmary

text: Bashary

text: said

text: The

text: Taliban

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text: the

text: attack

text: killed

text: people

text: including

text: high

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text: Indian

text: Embassy

text: officials

text: as

text: well

text: as

text: international

text: and

text: Afghan

text: police

text: officers

text: The

text: blast

text: damaged

text: a

text: security

text: checkpoint

text: outside

text: the

text: the

text: embassy

text: said

text: staffer

text: J.P.

text: Singh

text: but

text: there

text: were

text: no

text: casualties

text: on

text: the

text: Indian

text: side

text: The

text: embassy

text: is

text: in

text: the

text: center

text: of

text: Kabul

text: in

text: a

text: shop

text: lined

text: street

text: across

text: from

text: the

text: Interior

text: Ministry

text: and

text: several

text: other

text: government

text: buildings

text: The

text: explosion

text: shattered

text: car

text: windows

text: and

text: toppled

text: restaurant

text: walls

text: Paramedics

text: dug

text: through

text: twisted

text: metal

text: and

text: debris

text: looking

text: for

text: survivors

text: A

text: statement

text: from

text: President

text: Hamid

text: Karzai

text: 's

text: office

text: called

text: the

text: blast

text: an

text: obvious

text: assault

text: on

text: civilians

text: and

text: said

text: the

text: perpetrators

text: of

text: this

text: attack

text: and

text: those

text: who

text: planned

text: it

text: were

text: vicious

text: terrorists

text: who

text: killed

text: innocent

text: people

text: for

text: their

text: malicious

text: goals

text: About

text: a

text: year

text: ago

text: another

text: suicide

text: car

text: bomb

text: detonated

text: outside

text: the

text: embassy

text: Among

text: the

text: people

text: killed

text: in

text: the

text: July

text: attack

text: were

text: two

text: Indian

text: diplomats

text: and

text: students

text: at

text: a

text: nearby

text: school

text: More

text: than

text: were

text: wounded

text: in

text: that

text: blast

text: Afghan

text: and

text: Indian

text: officials

text: accused

text: Pakistan

text: 's

text: spy

text: agency

text: of

text: involvement

text: in

text: that

text: attack

text: Pakistan

text: denied

text: the

text: accusation

text: India

text: is

text: the

text: sixth

text: largest

text: donor

text: to

text: Afghanistan

text: providing

text: millions

text: of

text: dollars

text: to

text: help

text: with

text: reconstruction

text: efforts

text: there

text: CNN

text: 's

text: Atia

text: Abawi

text: and

text: Harmeet

text: Shah

text: Singh

text: contributed

text: to

text: this

text: report

question: How  many people were killed in bombing?

answer: at least 17

text: at least 17

question: who condemns the attack?

answer: The Security Council

text: The Security Council

question: how many were killed?

answer: 17

question: U.N. Security Council condemns  what attack?

answer: deadly bombing near the Indian Embassy in Kabul.

text: deadly bombing near the Indian Embassy in Kabul.

question: Kabul attack is condenmed by who?

answer: The Security Council

text: The Security Council

question: Who is NATO's new leader?

answer: Anders Fogh Rasmussen,

text: Anders Fogh Rasmussen,

question: what is the name of the new leader announced to train the afghan police?

answer: Anders Fogh Rasmussen,

text: Anders Fogh Rasmussen,


text:
Americans love beef; we eat nearly 63 pounds per person each year. Although that's a lot, the amount is down from our 1976 high of 89 pounds. When buying beef, we tend to stick to what we know, which may be why almost 60 percent of our beef dollars go for ground beef. Even as an experienced chef, I often brought home familiar cuts. But researching my book, "Field Guide to Meat," led me to expand my repertoire to tasty, if less familiar, cuts like hanger steak and tri-tip. Soon you can do the same, knowing which cuts to choose for maximum flavor and nutrition.

A 3Â½-ounce serving provides 27g to 30g of protein and is an excellent source of iron, zinc, and phosphorus.

Beef Background

Humans began domesticating cattle, Bos taurus, about 8,500 years ago. Columbus first brought cattle to the New World, and by 1690, descendants of Columbus' cattle ranging in Mexico were driven north and became known as Texas Longhorns. Others arrived later with the colonists. America's top five cattle breeds are Angus from Scotland, Hereford from England, Limousin from France, Simmenthal from Switzerland, and Charolais from France.

More than 90 percent of the beef we buy originates in America, while most of the rest is Canadian bred. The beef we eat comes mostly from 18- to 24-month-old steers, averaging about 1,000 pounds, and yielding about 450 pounds of meat. Each is divided for wholesale into eight primals (major portions): the chuck (shoulder and upper ribs), the rib, the loin, the sirloin (hip), the round (upper leg), the brisket (breast), the plate (belly), and the small flank. Organs like liver and kidneys are called variety meats.

When evaluating your choices at the grocery store, here are a few key terms and facts to know:

â¢ Grain-finished: Nearly 75 percent of U.S. beef comes from cattle fattened on grain (usually corn) for three to six months in feedlots. Since corn is not a natural part of a cow's diet, cattle fed on it may experience stress and other ailments, so they are routinely treated with antibiotics. They also receive growth hormones to increase their size (and value, as beef is sold by weight). Until recently, inexpensive corn has helped keep down the price of beef.

â¢ Grass-finished: Grass- or pasture-finished beef comes from cattle that forage on grasses and legumes. Their meat is lower in saturated fat, cholesterol, and calories than grain-finished. (Because it is quite lean, cook rare to medium-rare for juiciness.) Grass-fed beef has a distinct flavor, often described as bold, complex, and gamy. Many people believe that grass-fed cattle are a more sustainable choice. However, raising grass-fed cattle is time-consuming and requires large open spaces, variables that raise its price. Most is imported from Canada, followed by Australia, New Zealand, Argentina, and Brazil.

â¢ Aging: Dry-aging is the traditional process preferred by many steak lovers. The concentrated, intense flavor of dry-aged beef develops as it hangs in special temperature- and humidity-controlled rooms from 10 days to six weeks. The longer the aging, the better the flavor and tenderness, but also the more the shrinkage as water evaporates and a dark crust develops, which must be cut away. About 90 percent of American beef is sold as large vacuum-packed cuts. During the average seven-day period the beef spends "in the bag," it ages in a process called "wet-aging."

â¢ Processing and packaging: Until the 1960s butcher shops bought beef as half- or quarter-carcasses. Packers then began selling vacuum-packed beef, the same large cuts sold at warehouse club stores. Retailers refrigerated the boxes until needed, then opened the package and cut the meat into portions for sale. Next came case-ready meat, which precluded the need for skilled butchers on-site in markets. Leak-proof and easily stackable, case-ready packages are produced in USDA-inspected plants and have a longer shelf life. Packages covered with a sealed layer of clear plastic are modified-atmosphere packages, which have a gas-filled space inside to help preserve freshness and color.

Nutrition

â¢ Fat content: The USDA defines "lean beef" as having less than 10 grams (g) of total fat, 4.5g or less of saturated fat, and less than 95 milligrams of cholesterol per 3Â½-ounce serving (100g) of cooked beef. Half of the fat is saturated and half is heart-healthy monounsaturated. There are 29 naturally lean cuts of beef, including many familiar to Cooking Light readers, such as tenderloin, flank steak, and sirloin, as well as five lesser-known cuts. Others, such as ribeye or chuck roast, naturally contain more fat, although it is similarly divided between saturated and monounsaturated.

Because lean beef contains less fat, it's best cooked to medium-rare (145Â°F) or medium (160Â°F) to optimize tenderness. If using fattier cuts, slice away the outer rim of fat and cut or pull out any pockets of fat before cooking. For larger cuts, allow the fat to baste the meat while cooking, then trim away before eating, or skim it from the surface of braised dishes or stews.

â¢ Other nutrients: A 3Â½-ounce serving provides 27g to 30g of protein -- more than half of the 50g recommended daily in a 2,000-calorie-per-day diet. All beef is an excellent source of iron, zinc, and phosphorus. In general, the redder the meat, the more iron it contains (beef liver has the most). Beef also contains thiamin, riboflavin, and niacin and is a rich source of B12, found naturally only in animal foods. CookingLight.com: Fat and Ground Beef

At the Market

â¢ Inspection and grading: USDA inspectors examine all live animals and beef shipped out of state, which encompasses most of today's supermarket beef. Grading is voluntary and done by the same inspectors. The more marbling -- the small white flecks of fat within the muscles -- the higher the grade. Three grades of beef are sold to consumers. Only three percent is highly marbled Prime, sought after by top steak houses and butcher shops. About 57 percent is moderately marbled Choice, the most common supermarket grade. The remaining 40 percent is lean Select.

â¢ Private labels: Supermarket chains and large food distributors also have developed private brands with their own specifications. The first such program began in 1978 with Certified Angus Beef, which must come from Angus cattle. Niman Ranch Natural Beef and Certified Hereford Beef are two others.

â¢ Natural and Organic: Beef labeled "natural" must not contain any artificial ingredients and cannot be more than minimally processed, such as ground beef. "Organic" beef must come from cattle raised and certified according to the USDA's National Organic Program. Organic cattle must be fed 100-percent organically and without antibiotics or hormones. Both natural and organic beef can be either grass- or grain-finished.

Ways to Save

â¢ Buy lean cuts. Often, leaner cuts are cheaper than fatty ones. And when the fat cooks away, lean cuts provide more meat for your dollar.

â¢ Buy in bulk. Large or family-sized packages cost less per pound than smaller packages. Divide into portions, and freeze the surplus.

â¢ Be your own butcher. Beef that has been presliced into steaks or made into patties costs more than less processed meat. Buy bigger cuts, and do some of the preparation work yourself. CookingLight.com: Beef on a Budget

â¢ But don't go overboard. Advice to buy a side or quarter of beef may seem sensible, but you'll likely have more meat than you can store. Such a purchase may yield what one buyer describes as "cheap steak and expensive hamburger."

For more tips on making healthy taste great, try Cooking Light - CLICK HERE

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text: day

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text: All

text: beef

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question: How many pounds of beef does each person consume every year?

answer: 63

question: How many pounds of beef per person each year  are consumed ?

answer: 63

question: What do people tend to stick to?

answer: we know,

text: we know,

question: When did humans begin domesticating cattle?

answer: about 8,500 years ago.

text: about 8,500 years ago.

question: What type of beef do most of us stick with?

answer: ground

text: ground


text:
Baltimore, Maryland (CNN) -- President Obama and House GOP leaders promised greater efforts to step back from the partisan brink Friday, acknowledging that Washington's toxic political climate has made it increasingly tough to tackle major problems.

The pledge was immediately called into question, however, as the two parties repeatedly expressed sharply differing viewpoints during a rare meeting at a House Republican retreat in Baltimore.

Obama accepted an invitation from House GOP leaders to address their caucus. His speech Friday was followed by an often pointed question-and-answer session.

"House Republican leaders are grateful for [Obama's] willingness to come ... and have a frank and honest conversation," said Rep. Mike Pence, R-Indiana. "We welcome the dialogue with the president."

The president accused Republicans of frequently mischaracterizing his policy proposals, particularly in the health care debate.

Republicans, in turn, complained the White House and congressional Democrats had ignored their ideas, locked them out of the policy-making process and unfairly labeled them as obstructionists.

"Both sides can take some blame for a sour climate on Capitol Hill," Obama said, adding that Democrats and Republicans need to be careful in choosing their rhetoric. "A ton of civility instead of slash and burn would be helpful."

The president highlighted what he said was problematic GOP rhetoric on his health care proposals. Republicans, he said, had characterized the proposed program as some "kind of Bolshevik plot."

In fact, he said that much of his plan was similar to what Republicans had proposed during the failed Clinton-era push to overhaul health care.

Both sides need to "close the gap a little bit between rhetoric and reality," the president argued. Calling his health care plan "some wild-eyed plot to impose big government in every aspect of our lives" leaves little room for bipartisan negotiation, Obama said.

The president questioned how Republicans could negotiate in good faith after using such rhetoric without exposing themselves to conservative primary challengers.

House Minority Leader John Boehner, R-Ohio, said he tried to be honest about differences over administration proposals.

"I truly believe a government takeover of health care ... is the essence of their bill," Boehner said.

Obama conceded there's been a failure on his part to "try to foster better communications even if there's disagreement."

He has promised regular meetings with GOP leaders in the future. Boehner welcomed the gesture but said it is equally important for House Speaker Nancy Pelosi to give Republicans a greater role in the legislative process.

Bipartisanship "isn't about taking one little Republican idea and throwing it in a 2,000-page bill," he said after Obama argued that Democratic leaders had taken GOP proposals into account in the health care debate.

"If you're really serious about building a bipartisan product ... you need to do it from the beginning."

Republicans criticized the president for failing to fulfill a promise to televise all the health care negotiations on C-SPAN. Obama called the criticism "legitimate" but noted the overwhelming majority of committee hearings on the legislation had been conducted in front of TV cameras.

After the bills had cleared the committees, however, it became a "messy process," he conceded.

"I take responsibility for not having structured it in a way where it was all taking place in one place that could be filmed," he said.

Obama and Republicans strongly criticized each other on a range of issues tied to taxes and spending.

GOP leaders said Obama's $862 billion stimulus plan had been ineffective and repeatedly urged the president to consider an across-the-board tax cut.

Obama said it would be wrong to slash taxes for the richest Americans or the banking sector in a weak economy. He also argued that the stimulus program had saved key jobs in GOP districts across the country.

"There is not a single person in here who, had it not been for what was in the stimulus package, wouldn't be going home to more teachers laid off, more firefighters laid off, more cops laid off," he said.

"The component parts of the Recovery Act are consistent" with what many Republicans say are important, he said.

The stimulus helped in terms of "rebuilding our infrastructure, tax cuts for families and businesses, and making sure that we were providing states and individuals some support when the roof was caving in."

The president said he agrees with the GOP emphasis on fiscal responsibility but hinted that Republicans could do more to help control spending, including curtailing legislative earmark requests for their own districts.

He also said he is willing to work with Republicans on the enactment of a line-item veto.

"There's not a president out there that wouldn't like that," he said.

Despite their disagreements, both sides agreed the day's dialogue was a step in the right direction.

"I hope that the conversation we begin here doesn't end here, that we can continue our dialogue in the days ahead," Obama said.

The day "went very well," Boehner replied later. "There are issues we do agree on" and Republicans will work to find "common ground."

We should "set aside perhaps the things that the president believes in that we philosophically don't, but if there is some common ground we ought to go ahead forward with those," said Rep. Eric Cantor, R-Virginia.

Friday's meeting, he said, was "the kind of discussion, frankly, that we need to have more of."

text: Baltimore

text: Maryland

text: CNN

text: President

text: Obama

text: and

text: House

text: GOP

text: leaders

text: promised

text: greater

text: efforts

text: to

text: step

text: back

text: from

text: the

text: partisan

text: brink

text: Friday

text: acknowledging

text: that

text: Washington

text: 's

text: toxic

text: political

text: climate

text: has

text: made

text: it

text: increasingly

text: tough

text: to

text: tackle

text: major

text: problems

text: The

text: pledge

text: was

text: immediately

text: called

text: into

text: question

text: however

text: as

text: the

text: two

text: parties

text: repeatedly

text: expressed

text: sharply

text: differing

text: viewpoints

text: during

text: a

text: rare

text: meeting

text: at

text: a

text: House

text: Republican

text: retreat

text: in

text: Baltimore

text: Obama

text: accepted

text: an

text: invitation

text: from

text: House

text: GOP

text: leaders

text: to

text: address

text: their

text: caucus

text: His

text: speech

text: Friday

text: was

text: followed

text: by

text: an

text: often

text: pointed

text: question

text: and

text: answer

text: session

text: House

text: Republican

text: leaders

text: are

text: grateful

text: for

text: Obama

text: 's

text: willingness

text: to

text: come

text: and

text: have

text: a

text: frank

text: and

text: honest

text: conversation

text: said

text: Rep.

text: Mike

text: Pence

text: R

text: Indiana

text: We

text: welcome

text: the

text: dialogue

text: with

text: the

text: president

text: The

text: president

text: accused

text: Republicans

text: of

text: frequently

text: mischaracterizing

text: his

text: policy

text: proposals

text: particularly

text: in

text: the

text: health

text: care

text: debate

text: Republicans

text: in

text: turn

text: complained

text: the

text: White

text: House

text: and

text: congressional

text: Democrats

text: had

text: ignored

text: their

text: ideas

text: locked

text: them

text: out

text: of

text: the

text: policy

text: making

text: process

text: and

text: unfairly

text: labeled

text: them

text: as

text: obstructionists

text: Both

text: sides

text: can

text: take

text: some

text: blame

text: for

text: a

text: sour

text: climate

text: on

text: Capitol

text: Hill

text: Obama

text: said

text: adding

text: that

text: Democrats

text: and

text: Republicans

text: need

text: to

text: be

text: careful

text: in

text: choosing

text: their

text: rhetoric

text: A

text: ton

text: of

text: civility

text: instead

text: of

text: slash

text: and

text: burn

text: would

text: be

text: helpful

text: The

text: president

text: highlighted

text: what

text: he

text: said

text: was

text: problematic

text: GOP

text: rhetoric

text: on

text: his

text: health

text: care

text: proposals

text: Republicans

text: he

text: said

text: had

text: characterized

text: the

text: proposed

text: program

text: as

text: some

text: kind

text: of

text: Bolshevik

text: plot

text: In

text: fact

text: he

text: said

text: that

text: much

text: of

text: his

text: plan

text: was

text: similar

text: to

text: what

text: Republicans

text: had

text: proposed

text: during

text: the

text: failed

text: Clinton

text: era

text: push

text: to

text: overhaul

text: health

text: care

text: Both

text: sides

text: need

text: to

text: close

text: the

text: gap

text: a

text: little

text: bit

text: between

text: rhetoric

text: and

text: reality

text: the

text: president

text: argued

text: Calling

text: his

text: health

text: care

text: plan

text: some

text: wild

text: eyed

text: plot

text: to

text: impose

text: big

text: government

text: in

text: every

text: aspect

text: of

text: our

text: lives

text: leaves

text: little

text: room

text: for

text: bipartisan

text: negotiation

text: Obama

text: said

text: The

text: president

text: questioned

text: how

text: Republicans

text: could

text: negotiate

text: in

text: good

text: faith

text: after

text: using

text: such

text: rhetoric

text: without

text: exposing

text: themselves

text: to

text: conservative

text: primary

text: challengers

text: House

text: Minority

text: Leader

text: John

text: Boehner

text: R

text: Ohio

text: said

text: he

text: tried

text: to

text: be

text: honest

text: about

text: differences

text: over

text: administration

text: proposals

text: I

text: truly

text: believe

text: a

text: government

text: takeover

text: of

text: health

text: care

text: is

text: the

text: essence

text: of

text: their

text: bill

text: Boehner

text: said

text: Obama

text: conceded

text: there

text: 's

text: been

text: a

text: failure

text: on

text: his

text: part

text: to

text: try

text: to

text: foster

text: better

text: communications

text: even

text: if

text: there

text: 's

text: disagreement

text: He

text: has

text: promised

text: regular

text: meetings

text: with

text: GOP

text: leaders

text: in

text: the

text: future

text: Boehner

text: welcomed

text: the

text: gesture

text: but

text: said

text: it

text: is

text: equally

text: important

text: for

text: House

text: Speaker

text: Nancy

text: Pelosi

text: to

text: give

text: Republicans

text: a

text: greater

text: role

text: in

text: the

text: legislative

text: process

text: Bipartisanship

text: is

text: n't

text: about

text: taking

text: one

text: little

text: Republican

text: idea

text: and

text: throwing

text: it

text: in

text: a

text: bill

text: he

text: said

text: after

text: Obama

text: argued

text: that

text: Democratic

text: leaders

text: had

text: taken

text: GOP

text: proposals

text: into

text: account

text: in

text: the

text: health

text: care

text: debate

text: If

text: you

text: 're

text: really

text: serious

text: about

text: building

text: a

text: bipartisan

text: product

text: you

text: need

text: to

text: do

text: it

text: from

text: the

text: beginning

text: Republicans

text: criticized

text: the

text: president

text: for

text: failing

text: to

text: fulfill

text: a

text: promise

text: to

text: televise

text: all

text: the

text: health

text: care

text: negotiations

text: on

text: C

text: SPAN

text: Obama

text: called

text: the

text: criticism

text: legitimate

text: but

text: noted

text: the

text: overwhelming

text: majority

text: of

text: committee

text: hearings

text: on

text: the

text: legislation

text: had

text: been

text: conducted

text: in

text: front

text: of

text: TV

text: cameras

text: After

text: the

text: bills

text: had

text: cleared

text: the

text: committees

text: however

text: it

text: became

text: a

text: messy

text: process

text: he

text: conceded

text: I

text: take

text: responsibility

text: for

text: not

text: having

text: structured

text: it

text: in

text: a

text: way

text: where

text: it

text: was

text: all

text: taking

text: place

text: in

text: one

text: place

text: that

text: could

text: be

text: filmed

text: he

text: said

text: Obama

text: and

text: Republicans

text: strongly

text: criticized

text: each

text: other

text: on

text: a

text: range

text: of

text: issues

text: tied

text: to

text: taxes

text: and

text: spending

text: GOP

text: leaders

text: said

text: Obama

text: 's

text: billion

text: stimulus

text: plan

text: had

text: been

text: ineffective

text: and

text: repeatedly

text: urged

text: the

text: president

text: to

text: consider

text: an

text: across

text: the

text: board

text: tax

text: cut

text: Obama

text: said

text: it

text: would

text: be

text: wrong

text: to

text: slash

text: taxes

text: for

text: the

text: richest

text: Americans

text: or

text: the

text: banking

text: sector

text: in

text: a

text: weak

text: economy

text: He

text: also

text: argued

text: that

text: the

text: stimulus

text: program

text: had

text: saved

text: key

text: jobs

text: in

text: GOP

text: districts

text: across

text: the

text: country

text: There

text: is

text: not

text: a

text: single

text: person

text: in

text: here

text: who

text: had

text: it

text: not

text: been

text: for

text: what

text: was

text: in

text: the

text: stimulus

text: package

text: would

text: n't

text: be

text: going

text: home

text: to

text: more

text: teachers

text: laid

text: off

text: more

text: firefighters

text: laid

text: off

text: more

text: cops

text: laid

text: off

text: he

text: said

text: The

text: component

text: parts

text: of

text: the

text: Recovery

text: Act

text: are

text: consistent

text: with

text: what

text: many

text: Republicans

text: say

text: are

text: important

text: he

text: said

text: The

text: stimulus

text: helped

text: in

text: terms

text: of

text: rebuilding

text: our

text: infrastructure

text: tax

text: cuts

text: for

text: families

text: and

text: businesses

text: and

text: making

text: sure

text: that

text: we

text: were

text: providing

text: states

text: and

text: individuals

text: some

text: support

text: when

text: the

text: roof

text: was

text: caving

text: in

text: The

text: president

text: said

text: he

text: agrees

text: with

text: the

text: GOP

text: emphasis

text: on

text: fiscal

text: responsibility

text: but

text: hinted

text: that

text: Republicans

text: could

text: do

text: more

text: to

text: help

text: control

text: spending

text: including

text: curtailing

text: legislative

text: earmark

text: requests

text: for

text: their

text: own

text: districts

text: He

text: also

text: said

text: he

text: is

text: willing

text: to

text: work

text: with

text: Republicans

text: on

text: the

text: enactment

text: of

text: a

text: line

text: item

text: veto

text: There

text: 's

text: not

text: a

text: president

text: out

text: there

text: that

text: would

text: n't

text: like

text: that

text: he

text: said

text: Despite

text: their

text: disagreements

text: both

text: sides

text: agreed

text: the

text: day

text: 's

text: dialogue

text: was

text: a

text: step

text: in

text: the

text: right

text: direction

text: I

text: hope

text: that

text: the

text: conversation

text: we

text: begin

text: here

text: does

text: n't

text: end

text: here

text: that

text: we

text: can

text: continue

text: our

text: dialogue

text: in

text: the

text: days

text: ahead

text: Obama

text: said

text: The

text: day

text: went

text: very

text: well

text: Boehner

text: replied

text: later

text: There

text: are

text: issues

text: we

text: do

text: agree

text: on

text: and

text: Republicans

text: will

text: work

text: to

text: find

text: common

text: ground

text: We

text: should

text: set

text: aside

text: perhaps

text: the

text: things

text: that

text: the

text: president

text: believes

text: in

text: that

text: we

text: philosophically

text: do

text: n't

text: but

text: if

text: there

text: is

text: some

text: common

text: ground

text: we

text: ought

text: to

text: go

text: ahead

text: forward

text: with

text: those

text: said

text: Rep.

text: Eric

text: Cantor

text: R

text: Virginia

text: Friday

text: 's

text: meeting

text: he

text: said

text: was

text: the

text: kind

text: of

text: discussion

text: frankly

text: that

text: we

text: need

text: to

text: have

text: more

text: of

question: Who does Obama blame?

answer: "Both sides

text: "Both sides

question: Who is to blame for sour climate on Capitol Hill?

answer: Hill,"

text: Hill,"

question: What does President Obama say?

answer: "Both sides can take some blame for a sour climate on Capitol Hill,"

text: "Both sides can take some blame for a sour climate on Capitol Hill,"

question: Who is the House Minority Leader?

answer: John Boehner,

text: John Boehner,

question: Who says the day went very well?

answer: Boehner

text: Boehner

question: What did Boehner say about the day?

answer: "went very well,"

text: "went very well,"

question: Obama says what?

answer: "Both sides can take some blame for a sour climate on Capitol Hill,"

text: "Both sides can take some blame for a sour climate on Capitol Hill,"