alea-institute/kl3m-data-sample-004-shuffled huggingface dataset:
From: Dean, Lukas [mailto:DEANL1@wpunj.edu] 

Sent: Tuesday, March 15, 2011 1:57 PM 

To: EBSA, E-ORI - EBSA 

Subject: Public Hearing on the definition of fiduciary

You have to question any industry that does NOT want to go on the record committing to serve 

their clients' best interests!

 

John Adams stated that the role of govt is to protect the sheep from the wolves.

 

Should the govt support a fiduciary status? Yes. Hell yes. Heck yes. Of course. For the same 

reasons they protect the elderly from unscrupulous sales tactics. 

 

England and Australia recently enacted legislation to eliminate commissions on financial service 

products in an effort to protect consumers from financial services "professionals" who push 

inferior products because of their superior commissions. 

 

There are a lot of great professionals in the financial services industry. But the entire profession 

gets tarnished when a few unscrupulous agents take advantage of ignorant consumers. Any govt 

effort to eliminate wolves preying on sheep will actually benefit the entire industry as more 

consumers will demand professional advice when the agents are actually required to act in their 

best interest. Similar to the medical and legal fields. But it has to be a strong fiduciary standard. 

Not a watered down version. Otherwise you are just heading to wardrobe to assist the ravenous 

wolves as they don sheep clothing.

 

Luke Dean

Academic Coordinator

Financial Planning Program

Cotsakos College of Business

William Paterson University
Exhibit
10.10





THIRD
AMENDMENT TO THE


PNM
RESOURCES, INC.


OFFICER
LIFE INSURANCE PLAN




Effective
January 1, 2004, PNM Resources, Inc. established the PNM Resources, Inc. Officer
Life Insurance Plan (the “Plan”).  The Plan was subsequently amended
on two previous occasions.  By this instrument, the Company now
desires to amend the Plan to reflect the treatment of Same-Sex Spouses for
various purposes effective January 1, 2009.




1.           Except
as noted below, this Third Amendment shall be effective as of January 1,
2009.




2.           This
Third Amendment amends only the provisions of the Plan as noted below, and those
provisions not expressly amended shall be considered in full force and
effect.  Notwithstanding the foregoing, this Third Amendment shall
supersede the provisions of the Plan to the extent those provisions are
inconsistent with the provisions and intent of this Third
Amendment.




3.           Section
2.1  (Definitions) of the
Plan is hereby amended by adding the following new definitions to the end
thereof:




(n)              “Opposite-Sex
Spouse” – means
an individual of the opposite sex who is legally married to the Participant,
under the laws of the jurisdiction in which the marriage was performed or
occurred.





(o)              “Same-Sex
Spouse” – means
an individual of the same sex who is legally married to the Participant, under
the laws of the jurisdiction in which the marriage was performed or
occurred.





(p)              “Spouse” - means the Opposite-Sex
Spouse or Same-Sex Spouse of the Participant.








4.           Section
4.5  (Beneficiary
Designation) of the Plan is hereby amended by replacing the word “spouse”
each place it appears therein with the word “Spouse.”




IN
WITNESS WHEREOF, the Company has caused this Third Amendment to be executed as
of this 8th day
of December,
2008.




PNM
RESOURCES, INC.








By: /s/ Alice A. Cobb


Its:
SVP, Chief
Administrative Officer


2
# CENTCOM updates counterterrorism strikes in Yemen

/ Published May 16, 2018

May 16, 2018

Release Number 20180516-01

FOR IMMEDIATE RELEASE

TAMPA, Fla. – In the past three months, U.S. forces have targeted and disrupted the al-Qaeda in the Arabian Peninsula terrorist network in Yemen through 17 counter-terrorism airstrikes in four separate governorates. These include six air strikes against AQAP terrorists in February, seven air strikes against AQAP terrorists in March and four airstrikes against AQAP terrorists in April. 

The April airstrikes included an AQAP training camp in western Hadramawt governorate April 11 and an AQAP checkpoint for asserting regional control and raising illegal revenue in al Bayda governorate April 23.

Other air strikes took place in al Bayda, Hadramawt, Zamakh and Shabwah governorates.

U.S. Central Command is aware of reports of alleged civilian casualties following the March 29 air strike against AQAP in al Bayda governorate. A credibility assessment is being conducted. 

Intelligence and defense communities have assessed AQAP as one of the terrorist groups most committed to and capable of conducting attacks in the United States. AQAP has taken advantage of ungoverned spaces in Yemen to plot, direct and inspire terror attacks against the United States, its citizens and its allies around the world. 

In early 2018, senior AQAP figure Khalid Batarfi called on the group’s supporters to “rise and attack” Americans “everywhere.” Last month, Osama Bin Laden’s son Hamza, an influential al-Qaeda figure, called on aspiring terrorists to join and support AQAP’s terrorist efforts in Yemen. 

The United States is committed to finding and striking AQAP’s terrorist network in Yemen.

“In coordination with the government of Yemen, U.S. forces are conducting a series of counter-terrorism operations against AQAP and ISIS-Yemen,” said Lt. Col. Earl Brown, a U.S. Central Command spokesman. “We will continue to disrupt and degrade the ability of AQAP to plan attacks, confronting threats before they reach our borders.”
-----Original Message----- 

From: Robert Jones [mailto:robjones2000@yahoo.com] 

Sent: Tuesday, February 02, 2010 11:13 PM 

To: EBSA, E-ORI - EBSA 

Subject: RIN 1210-AB33 

I'm a hard-working middle-class tax payer. I have diligently saved a 

small percentage of my income over many years and have actively managed 

this within the limitations of my 401K plan. I am not at all concerned 

with the market fluctuations over the years. 

 

Michael Edlesons's, classic academic literature titled "Value 

Averaging", provides Strong evidence that persistent saving has 

provided protection over the lows of the markets. The government 

should consider adding some of this material to it's education strategy 

for retirement funds. 

 

Please do not force my hard earned savings into government Bonds. I 

prefer to manage my bond / stock investments on my own. 

 

Thanks You, 

Concerned Citizen - Robert Jones.
#555425 

 

August 16, 2010 

Office of Regulations and Interpretations 

Employee Benefits Security Administration 

Room N-5655 

U.S. Department of Labor 

200 Constitution Avenue, NW 

Washington, D.C. 20210 

ATTN: Lifetime Income Joint Hearing 

Re: Request to Testify at Joint Public Hearing on Lifetime Income 

Ladies and Gentlemen: 

 This letter requests the opportunity to testify at a joint public hearing to be held by the 

U.S. Department of Labor and the U.S. Treasury Department (the “Departments”) to consider 

several specific issues relating to lifetime income after retirement for participants and 

beneficiaries in individual account plans and individual retirement plans. The notice of a hearing 

was published in the Federal Register on August 10, 2010. This request is submitted on behalf 

of the group of financial service companies for which FMR LLC is the parent corporation 

(collectively, “Fidelity Investments”). Fidelity Investments companies provide investment 

management, recordkeeping and directed trustee and custodial services to thousands of 

retirement plans covering millions of participants and to more than 8.5 million individual 

retirement accounts. 

 The Departments had issued a Request for Information (“RFI”) on a broader range of 

lifetime income topics on February 2, 2010. Fidelity Investments submitted written comments in 

response to the RFI. The following outline describes the topics to be discussed at the hearing, as 

well as the time allocated to each topic. The testimony will be provided on behalf of Fidelity 

Investments by Elizabeth L. Heffernan, Vice President, Personal and Workplace Investment 

Product Management, and her testimony will address the second and third specific issue listed in 

the hearing notice. 

OUTLINE 

(1) Information to Help Participants Make Choices Regarding Management and 

Spend Down of Retirement Benefits (6 minutes) 

 (a) The education of participants during working careers about retirement needs 

(b) Current reliance on Interpretive Bulletin 96-1 for asset allocation model 

portfolios 
#555425 

(c) Proposal to expand Interpretive Bulletin 96-1 to focus on the spend down 

phase of retirement 

(d) Special circumstances to consider in regulatory guidance 

(2) Disclosure of Account Balances as Monthly Income Streams (4 minutes) 

(a) Current account balance vs. projected account balance 

(b) Discussion of what this illustration would not represent 

(c) The regulatory framework for supporting such illustrations 

* * * * * * * * * * * * * 

In conclusion, we look forward to the opportunity to testify at the public hearing. Please 

let me know if you need any additional information. 

 Respectfully, 

Douglas O. Kant, Senior Vice President and 

 Deputy General Counsel 

DOK/jam 
Office of Regulations and Interpretations 

Employee Benefits Security Administration 

ATTN: Lifetime Income Joint Hearing 

August 11, 2010 

Page 3 

#555425
# CE2004084EN.01034501.xml

| 3.4.2004 | EN | Official Journal of the European Union | CE 84/345 |
| --- | --- | --- | --- |

3.4.2004

EN

Official Journal of the European Union

CE 84/345

---

(2004/C 84 E/0403)

WRITTEN QUESTION E-0265/04

by Stavros Xarchakos (PPE-DE) to the Commission

(4 February 2004)

Subject:   Propagandist mileage from Community funding in the run-up to elections in Greece

Subject:

Criticism has been voiced in the Greek press regarding the spate of propagandist media publicity in Greece (particularly on television) being given to ‘new hospitals’, ‘major projects’, ‘measures to improve educational standards’, etc. Many of which refer to the ‘2008 Community Support Framework’.

Is such publicity for EU-funded projects in the run-up to elections permissible under Regulation (EC) 1159/2000 (1)? How many months prior to the date of elections must all such publicity be halted? What penalties are imposable on Member States infringing the provisions of the above regulation? Can the Commission take immediate action to end such promotional activity?

1

Answer given by Mr Barnier on behalf of the Commission

(19 March 2004)

(19 March 2004)

Commission Regulation (EC) No 1159/2000 of 30 May 2000 on information and publicity measures to be carried out by the Member States concerning assistance from the Structural Funds does not establish specific rules relating to pre-electoral publicity. However, the Community Support Framework (CSF) for Greece, for the period 2000-2006, states that information and publicity actions relating to Structural Funds interventions should be suspended two months before European, national, district or municipal elections. With regard to the national elections of 7 March 2004, the Commission was informed by the Greek authorities that they issued the necessary instructions on 8 January 2004 to all ministries and other bodies involved in the management of Structural Funds, in accordance with the CSF requirements.

The Commission has no information at its disposal suggesting a breach of the rules on this subject.

---

(1)  OJ L 130, 31.5.2000, p. 30.

1

---
# READOUT: US Central Command Commander Engages with Pakistani Leadership

/ Published Dec. 16, 2022

Dec. 16, 2022

Release Number 20221216-12

FOR IMMEDIATE RELEASE

**ISLAMABAD**– On Dec. 14, General Michael “Erik” Kurilla, CENTCOM commander, visited Pakistan to meet with senior military leaders, observe conditions and operations along the Pakistan-Afghanistan border vicinity the Khyber Pass, and discuss opportunities to strengthen the military-to-military relationship between CENTCOM and the Pakistan Armed Forces.

Leadership Engagements

At the Army General Headquarters in Rawalpindi, General Kurilla met with senior Pakistani leaders, to include General Syed Asim Munir, who assumed command as Pakistan’s Chief of the Army Staff on November 29th, and Pakistan’s Chairman of the Joint Chiefs of Staff Committee General Sahir Shamshad Mirza. General Kurilla and General Munir, who know each other from General Kurilla’s previous service in the CENTCOM region, committed to strengthening relations between their forces on behalf of regional stability.

The leaders discussed security cooperation, security along the Afghanistan-Pakistan border, the threat posed by terror groups in the region, ongoing operations, and opportunities to increase cooperation between CENTCOM and the Pakistan Army.

Paying Tribute to Fallen Pakistani Troops

General Kurilla also participated in a wreath laying ceremony in honor of Pakistani troops killed in combat.

Pakistan/Afghanistan Border Visit

During the visit, General Kurilla traveled to Peshawar to visit the XI Corps headquarters. The XI Corps is the Pakistani Army unit assigned the Khyber-Pakhtunkhwa province of Pakistan, with security responsibility for approximately half the Afghanistan-Pakistan border. General Kurilla and XI Corps leaders traveled by helicopter to visit the Big Ben post overlooking the Khyber Pass. There, they observed border security and discussed the cross-border threat of terror groups operating in Afghanistan.

Valuable Insights

The visit provided General Kurilla valuable insight into multiple aspects of the Pakistan Armed Forces, the threats faced by Pakistan, and, most importantly, the opportunities ahead to strengthen the military-to-military relationship.

“Pakistan and the US have longstanding defense ties dating back 75 years,” Kurilla said. “We remain committed to combating shared threats to regional security. CENTCOM views the US-Pakistan relationship through its own bilateral merits and its potential to improve stability across the region. We are committed to strengthening the military-to-military relationship.”

This was General Kurilla’s second visit to Pakistan in the last four months.
From: joan spisso [mailto:joanspisso@gmail.com] 

Sent: Thursday, February 11, 2010 11:46 AM 

To: EBSA, E-ORI - EBSA 

Subject: comment RE: "lifetime income RFI"

Hello Employee Benefits Security Administration: 

 

 I believe that proposed regulation related to annuitization of Americans' retirement 

incomes is mis-guided (if not actually self-serving on the part of the current Federal 

Administration), for the following reasons: 

 

 #1 The value of the US$ became entirely elastic, after 1913, and history indicates 

that it will become worthless, shortly. How does the Federal Govt propose to inform 

employers and employees of the proposed values of lifetime accummulated retirement 

funds denominated in Ameros? Working Americans have paid, already, for one version 

of "lifetime income" in retirement--it is called Social Security. Why 

coerce ADDITIONAL retirement mal-investment in the US Govt's 1000 yr Zero Coupon 

Treasury Bond Programs? 

 

 #2 The purchasing power of annuity pay-outs (as currently constructed/regulated) 

drops as inflation increases. Over any substantial time period, US inflation has increased, 

historically. (Ongoing manipulations of the manner in which CPI is constructed do not 

alter this fact, despite disguising it). Why not support some creative thinking/creative 

regulation regarding creation of NEW TYPES OF ANNUITIES designed to make 

lifetime pay-outs denominated in the actual baskets of goods and services typically 

purchased by retirees? Were such choices to exist, annuitization of their retirement assets 

might benefit retirees, and might gain my support. 

 

 #3 Willie Horton robbed BANKS, since he'd discovered that money was located 

therein. I believe it unwise for Americans to support new programs that might have the 

effect of allowing confiscation of retiree savings by their government. Retirement 

accounts happen to be where US savings are located, today. Problems created by Federal 

mis-management of the US economy should not be paid for by relieving retirees of their 

remaining freedoms and property. Rather, the unconstitutional legislation and programs 

that have undermined the US people since 1913 should be dealt with, swiftly and in 

honorable fashion. 

 

 Sincerely yours, 

 Joan H Spisso 

 

joanspisso@gmail.com
EXHIBIT 32.2


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002


In connection with the Quarterly Report on Form 10-QSB of Heritage Worldwide,
Inc. (the "Company") for the quarter ended March 31,2007, as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), each of
the undersigned hereby certifies, pursuant to 18 U.S.C. Section 1350:

         (1) The Report fully complies with the requirements of Section 13(a) or
15(d) of the Securities Exchange Act of 1934; and

         (2) The information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the
Company.




Date:  May 14, 2007              /s/ Claude Couty
                                --------------------
                                     Claude Couty
                                     Chief Financial Officer and General Manager
Editorial Note on Part 572
Editorial Notes: 1. For compliance provisions relating to a vehicle's conformance with the performance requirements of Standard No. 208 (§ 571.208) relating to the part 572 test dummy, see the “Effective Date Note” at subpart E of this part. 2. Nomenclature changes to part 572 appear at 69 FR 18803, Apr. 9, 2004.

§ 572.210 Incorporation by reference. Certain material is incorporated by reference (IBR) into this part with the approval of the Director of the Federal Register under 5 U.S.C. 552(a) and 1 CFR part 51. To enforce any edition other than that specified in this section, NHTSA must publish a document in the Federal Register and the material must be available to the public. All approved material is available for inspection at the Department of Transportation, Docket Operations, Room W12-140, 1200 New Jersey Avenue SE, Washington DC 20590, telephone 202-366-9826, and is available from the sources listed in paragraphs (a) and (b) of this section. It is also available for inspection at the National Archives and Records Administration (NARA). For information on the availability of this material at NARA, email *fedreg.legal@nara.gov* or go to *www.archives.gov/federal-register/cfr/ibr-locations.html .* ( a ) NHTSA Technical Information Services, 1200 New Jersey Ave. SE, Washington, DC 20590, telephone 202-366-5965. ( 1 ) A parts/drawing list entitled, “Parts/Drawings List, Part 572 Subpart W, Q3s Three-Year-Old Child Side Impact Dummy” dated (and revised) January 2021 (Parts/Drawings List); IBR approved for § 572.211.
( 2 ) A drawings and inspection package entitled, “Drawings and Specifications for Q3s Three-Year-Old Child Side Impact Dummy, Part 572 Subpart W” dated (and revised) January 2021 (Drawings and Specifications); IBR approved for §§ 572.211, 572.212, 572.213, 572.214, 572.215, 572.216, 572.217, 572.218, and 572.219.
( 3 ) A procedures manual entitled “Procedures for Assembly, Disassembly, and Inspection (PADI) of the Q3s Child Side Impact Crash Test Dummy” dated January 2021 (PADI); IBR approved for §§ 572.211, 572.215(b), 572.216(b), and 572.219(a).
( b ) SAE International, 400 Commonwealth Drive, Warrendale, PA 15096, call 1-877-606-7323, *https://www.sae.org/ .* ( 1 ) SAE Recommended Practice J211/1, Rev. Mar 95, “Instrumentation for Impact Tests—Part 1—Electronic Instrumentation,” (SAE J211); IBR approved for § 572.219;
( 2 ) SAE Information Report J1733 of 1994-12, “Sign Convention for Vehicle Crash Testing,” December 1994, (SAE J1733); IBR approved for § 572.219.
[85 FR 69925, Nov. 3, 2020, as amended at 86 FR 66218, Nov. 22, 2021]
Michigan Supreme Court

Lansing, Michigan

Robert P. Young, Jr.

, Chief Justice

Stephen J. Markman

Brian K. Zahra

Bridget M. McCormack

David F. Viviano

Richard H. Bernstein

Joan L. Larsen,

Justices

I, Larry S. Royster , Clerk of the Michigan Supreme Court, certify that the

foregoing is a true and complete copy of the order entered at the direction of the Court.

December 22, 2015

s1214 

# Order

Clerk December 22, 2015

151015

PEOPLE OF THE STATE OF MICHIGAN,

Plaintiff

- Appellee,

v SC: 151015

COA: 325014

Oakland CC: 2004

- 199567

- FC

JOHNNY DAR EAGLE,

Defendant

- Appellant.

_________________________________________/

On order of the Court, the application for leave to appeal the December 18, 2014

order of the Court of Appeals is considered, and it is DENIED, because the defendant’s

motion for relief from judgment is prohibited by MCR 6.502(G).
#### § 585.130 Applicability.

This subpart applies to manufacturers of hybrid and electric passenger cars, trucks, buses, multipurpose passenger vehicles, and low-speed vehicles subject to the phase-in requirements of S9.1 Hybrid and Electric Vehicles manufactured on or after March 1, 2020, and before March 1, 2021 (49 CFR 571.141).

[85 FR 54281, Sept. 1, 2020]
§ 670.23 Use or withholding of funds. ( a ) *Directing the use of funds.* The Administrator may require a recipient to use Chapter 53 funds to correct safety violations identified by the Administrator or a State Safety Oversight Agency before such funds are used for any other purpose.
( b ) *Withholding of funds.* Except as provided under 49 CFR part 674, the Administrator may withhold not more than twenty-five (25) percent of funds apportioned under 49 U.S.C. 5307 from a recipient when the Administrator has evidence that the recipient has engaged in a pattern or practice of serious safety violations, or has otherwise refused to comply with the Public Transportation Safety Program, as codified at 49 U.S.C. 5329, or any regulation or directive issued under those laws for which the Administrator exercises enforcement authority for safety.
( c ) *Notice.* The Administrator will issue a notice of violation that includes the amount the Administrator proposes to redirect or withhold at least ninety (90) days prior to the date from when the funds will be redirected or withheld. The notice will contain— ( 1 ) A statement of the legal authority for its issuance;
( 2 ) A statement of the regulatory provisions or directives FTA believes the recipient has violated;
( 3 ) A statement of the remedial action sought to correct the violation; and
( 4 ) A statement of facts supporting the proposed remedial action.
( d ) *Reply.* Within thirty (30) days of service of a notice of violation, a recipient may file a written reply with the Administrator. Upon receipt of a written request, the Administrator may extend the time for filing for good cause shown. The reply must be in writing, and signed by the recipient's Accountable Executive or equivalent entity. A written reply may include an explanation for the alleged violation, provide relevant information or materials in response to the alleged violation or in mitigation thereof, or recommend alternative means of compliance for consideration by the Administrator.
( e ) *Decision.* The Administrator will issue a written decision within thirty (30) days of his or her receipt of a recipient's reply. The Administrator shall consider a recipient's response in determining whether to dismiss the notice of violation in whole or in part. If a notice of violation is not dismissed, the Administrator may undertake any other enforcement action he or she deems appropriate.