Detroit loves a loser, why?

I can pretty much guarantee that the top issue for traffic on freep.com today and for the next several days will be the woeful Detroit Lions, the sacking of coach Rod Marinelli after a season of record-setting Shox Basketball futility, the search for a new coach, opinions about what the team needs to do to improve, etc. Who cares?

A lot of people do, clearly, and not just around here. The wonders of the Internet enable Michigan expatriates to join the conversation, too.

Yet in the grand scheme of things ailing Michigan, the state’s National Football League team is a mere blip. They have little to do with the economy, the real estate market, the auto industry (except for the Ford connection) or the education system, which are directly affecting millions of lives. The Lions don’t employ that many people and few of those they do are from this area, so this isn’t about jobs. They may not even be, on any given day, the most poorly run enterprise around here. They pay, relatively speaking, ridiculously high salaries for their featured employees who underperform and get about six months off each year. (On some NFL clubs, the players work up to an extra six weeks, but that‘s because they make the playoffs, Shox 2:40never an issue in Detroit.) The Lions certainly don’t give anyone a reason to move to Michigan, they don’t bring federal disaster aid to the state (although they may qualify for something from FEMA) and with so many home games blacked out for lack of ticket sales, they don’t even offer the Sunday afternoon distraction that fans in other parts of the country enjoy.

Plus, they have been relentlessly disappointing since, oh, 1957, the year of their last championship, while the other sports teams around here have all enjoyed at least periodic success.

So why do we let them get to us? If this was anything but a sports team, the emotional attachment would have been snipped long ago. You can only abuse the faithful so many times before they lose the faith, Shox Warriorright? Not with Detroit and the Lions. People may not be buying as many tickets, but they still care. Deeply.

I have often said that if the Lions ever did win a Super Bowl, this town would explode like never before. All the seasons of disappointment would be forgotten in an instant and scores of people would insist, in all honesty, that they never stopped caring.

How does this terrible, disappointing, poorly run football team keep its grip on people around here?

There’s an old song by Motown great Smokey Robinson, later covered by the Beatles, that seems appropriate:

I don't like you

But Shox Glamour III love you

Seems that I'm always

Thinkin' of you

Oh, ho, ho, you treat me badly

I love you madly

You've really got a hold on me

(Repeat, endlessly, where the Lions are concerned.)

 

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Sacramento neighborhood safe after explosion The Associated Press RANCHO CORDOVA, Calif.—The neighborhood where an explosion destroyed a home on Christmas Eve, killing one person and injuring five others, was shut down briefly on Thursday Shox Energiaafter residents noticed a strong gas smell permeating the area. An investigation on Christmas morning revealed a leaking five-gallon propane tank, which was then sealed. The neighborhood has since been reopened. Investigators don't believe the leaking tank was related to Wednesday's explosion, and officials believe the area is safe again. "The area is considered safe at this time," said Jeff Smith, spokesman with PG&E. Officials believe Wednesday's explosion was caused by a natural gas leak. It destroyed one Shox Cognescentihouse, leaving only charred remains at the end of a residential cul-de-sac, and damaged two others. Fire officials estimated the structural damage to be approximately $700,000. The affected homes have been cordoned off, but a voluntary evacuation issued Wednesday has been lifted. The National Transportation Safety Board will take over the investigation into the source of the natural gas leak on Monday, but PG&E crews Shox 2:45will remain on the scene until then to make sure the area remains safe, Smith said. Fire investigators have not yet determined what ignited the flames. "The cause is undetermined because of so many variables," said Capt. Christian Pebbles with the Sacramento Metropolitan Fire District. "There are many possible sources—a light switch, a pilot light, static electricity." The explosion sent three victims to the University of California, Davis medical complex in Sacramento in critical condition. One of those victims, Wilbert Paana, 72, suffered a severe abdominal injuries and has died, according to hospital spokeswoman Phyllis Brown. Brown identified the other burn victims Shox BB4as Kim Dickson, in her mid- 40s, who is in critical condition, and 17-year-old Sunny Dickson, who was transferred later in the day to nearby Shriners Hospital for Children. Officials could not immediately say where the Dicksons and Paana were when the home exploded. Two others, including a utility worker, had lesser injuries. A firefighter was also injured and taken to Mercy San Juan Medical Center. He was treated and released, according to Pebbles. Pacific Gas & Electric Co. crews had been called to the street earlier in the day after someone reported smelling gas and were on scene when the home exploded. The injured utility worker was standing in the street at the time of the blast and was hospitalized with slight burns to the hand and cuts to the head, PG&E spokesman Brian Swanson said. Another utility worker had been in the Shox Electricneighborhood all morning investigating the report of a natural gas smell, he said. She was replaced in the afternoon by the employee who was injured. John Turner, who lives in a duplex about two blocks from the leveled home, said he heard "a big boom" shortly after 1:30 p.m. "It sounded like something had fallen on my roof," he said in a telephone interview. "I saw flames about as high as the house next door ... the smoke was billowing from that area." Turner, 30, said he did not smell anything but saw two PG&E trucks near the explosion site when he walked out of his house. Joe Helton, 33, said he was one of the first to arrive at the destroyed home and saw a woman from theShox TR house. "I asked her if there was anybody else in the house and she said her dad was in the house. So I ran to where the garage was, but it was pretty much smoke and fire in there," he said. Helton said he helped two next-door neighbors get out of their house and sat the injured PG&E worker down in a chair. He and others then discovered a man buried under wood shingles and debris about 10 feet from the sidewalk. "We started pulling stuff away. You couldn't even tell he was there; the stuff was covering him," Helton said. The cul-de-sac where the home was located backs up to Highway 50, a major route between Sacramento and South Shox Turbo OZLake Tahoe that had heavy Christmas Eve traffic. Rancho Cordova is about 10 miles east of the state capital. ——— Associated Press Writers Don Thompson in Sacramento and Terry Collins in San Francisco contributed to this report.

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Reporting from Washington -- The House approved a $14-billion bailout for U.S. automakers Wednesday after the White House and Democratic leaders finalized a deal empowering a government "car czar" to force the companies into bankruptcy by next spring if they don't restructure. But the fate of the plan -- and of some of the Jordan 18 nation's most storied companies and brand names -- remained uncertain because of deep-seated Republican opposition in the Senate, where Democrats cannot pass the bill without GOP help. Supporters, including administration officials, Democratic congressional leaders and many independent economists, warned that hundreds of thousands of jobs could be lost and hundreds of related businesses damaged or destroyed if one or more of the U.S. automakers failed. "The consequences of defeating this bill would be disaster for the economy that is already in trouble," House Financial Services Committee Chairman Barney Frank (D-Mass.) told his colleagues during the debate. The vote was 237-170, with 32 Republicans joining 205 Democrats in supporting it. Jordan 13 The White House dispatched Vice President Dick Cheney, Chief of Staff Josh Bolton and top economic advisor Edward Lazear to Capitol Hill to sell the deal, but they were barraged by questions during a two-hour, closed-door meeting and failed to secure much, if any, support, senators said. Jordan 14 "People are rightly concerned that the automakers and unions won't follow through. Many simply don't believe that the changes that need to be made will be made," Sen. John Sununu (R-N.H.) said after meeting. He said Cheney, Bolton and Lazear acknowledged that the bill wasn't as strong as they would have liked but urged Republicans to support it. Jordan 15 Many Republicans are weary of government bailouts and worry that providing money to automakers will lead other industries to seek aid. Many on Capitol Hill also are convinced they should have attached more strings to the $700-billion Wall Street bailout. Jordan 16 A central goal of White House and congressional negotiators has been to design a bill tough enough on the Detroit automakers and United Auto Workers Union to pass muster in Congress. "It's a bill that provides bridge financing to one of two possibilities . . . fundamental restructuring or bankruptcy," said Joel Kaplan, White House deputy chief of staff for policy. "We wanted to make sure it was tough and that this was not a bridge financing to nowhere." Jordan 17 Days ago, negotiators slashed the $34 billion requested by the Big Three executives to a more modest stopgap fund -- just enough to keep General Motors and Chrysler afloat until spring. Negotiators also agreed to create a federal monitor, appointed by the president, to oversee the companies' efforts to restructure their operations to assure future viability. Senate Democrats aimed to have a vote by the end of the week. In the final stages of the negotiations, the presidentially appointed monitor was given authority to act as a de facto bankruptcy judge with great power over the operations and future shape of companies accepting government aid. Jordan 18 GM has said it needs $10 billion to make it until March 31 and Chrysler has asked for $4 billion. Ford has said it does not need emergency loans at this point, but it's unclear if it will participate in the government-supervised restructuring to get money later. Through the first three quarters of this year, GM and Ford have lost a combined $30 billion; while through November sales for all three carmakers combined have declined 22% compared with 2007 -- that's nearly 1.7 million fewer cars and trucks sold in the U.S. Chrysler, which is a private company, has not disclosed its financial results. Jordan 18 If the restructuring plans don't meet standards set out in the bill for demonstrating future viability, such as refinancing existing debt and becoming competitive with other automakers on costs and the types of vehicles produced, the government would be required to recall a company's loan, which would almost certainly trigger bankruptcy. The plans must be submitted by March 31, or by April 30 if the monitor agrees to a one-time extension because workable plans are nearing completion. Jordan 13 The legislation would prohibit any additional federal money to the automakers if they failed to come up with an acceptable restructuring plan, but would open the door to longer-term government financing if they do. The auto czar also would have veto power over any transactions exceeding $100 million by the companies while the loans were outstanding. Washington would receive ownership stakes in the companies in exchange for the loans. And the bill contains a prohibition on stock dividends, restrictions on executive compensation and severance packages, and a requirement that companies receiving loans not own or lease private aircraft. GM supports the bill. Chrysler did not directly back the legislation but said it was encouraged by the progress. Jordan 18 Even with the tougher provisions added, at least a half-dozen Senate opponents say they prefer the companies to declare bankruptcy now and restructure afterward rather than get government help. "I think there's still some effort that has to be made," said Sen. George Voinovich (R-Ohio), a strong supporter of the auto industry who said he would vote for the legislation. Democrats hold a narrow 50-49 Senate majority and they need at least 10 Republicans to vote for the bailout to overcome procedural hurdles. Centrist Republicans such as Susan Collins of Maine and Norm Coleman of Minnesota said they were undecided. Coleman echoed several other Jordan 13 lawmakers in saying he wanted the car czar to have more power to force the companies, unions and other stakeholders to restructure. One of the leading opponents, Sen. Richard Shelby (R-Ala.), called the bill a "travesty" that would remove the incentive for the automakers to make major changes and lead to billions more in government money in the future. "Unless Chrysler, Ford and General Motors become lean and innovative and competitive in the marketplace, this is only delaying their funeral," he said. The size of the bailout was reduced from $15 billion in previous drafts to the $14 billion GM and Chrysler said they needed. At White House insistence, the money comes from an existing $25-billion loan fund created to help U.S. Jordan 14 automakers retool their factories to make more energy-efficient cars. The bill authorized Congress to replenish the fund, which House Speaker Nancy Pelosi (D-Calif.) has promised to do early next year. The final sticking point was overcome when congressional Democrats removed a controversial provision to require automakers to stop funding lawsuits against California and more than a dozen other states over new limits on greenhouse Jordan 15 gas emissions. The White House had told Democratic leaders there was no chance the bill would pass if that provision remained. But the new state emissions standards continued to complicate the legislation, resulting in the House and Senate considering two slightly different versions that could further delay final action. The House version requires automakers taking money "to comply with applicable fuel efficiency and emissions requirements." But some Jordan 16 Senate Republicans balked at the language, noting it encompassed the new state limits in California and elsewhere. The version of the bill introduced by Senate Democrats said automakers only must comply with federal fuel efficiency standards. The different versions would have to be reconciled before any bill could go to President Bush for his signature. Puzzanghera and Hook are writers in our Washington bureau.

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Barack Obama chose a general sacked by the Bush administration for doubting its Iraq war strategy for his cabinet yesterday to appeal to leftwing supporters. Obama, in announcing the selection of Eric Shinseki, as veterans' affairs secretary, made it clear that he saw the choice as vindication of a general whose advice - had it been heeded -cheap runescape gold could have reduced the toll of the Iraq war. Shinseki, who was army chief of staff only to be disregarded and later vilified by Pentagon chief at the time, Donald Rumsfeld, and the deputy defence secretary, Paul Wolfowitz, for telling Congress in February 2003 that keeping order in Iraq after the invasion would need several hundred thousand troops. "No one will ever doubt that this former army chief Air Jordan 18 of staff has the courage to stand up for our troops and our veterans," Obama told a press conference in Chicago announcing the appointment yesterday. The choice of Shinseki could go some way in satisfying opponents of the Iraq war disappointed at the appointment of Hillary Clinton, who voted for the invasion, as secretary mabinogi money of state, and the decision to keep on George Bush's Pentagon chief, Robert Gates. It was announced on a day when Obama offered his bleakest assessment to date of the economic crisis. "The economy is going to get worse before it gets better," he told NBC television. He announced the biggest public works expenditure in half a century in his weekly radio on video address on Saturday, saying there would be projects to improve roads and bridges, make public schools more energy efficient, and computerise medical records. He said he was focused on projects that would warhammer cd keycreate the most jobs in short order, saying the economy was like a critically ill patient who needed a blood transfusion for survival. Shinseki, 66, is a decorated combat veteran and lost most of his right foot in Vietnam. He is the highest ranking general of Asian-American descent, and his cabinet announcement appeared timed yesterday to coincide with the anniversary of the attack on Pearl Harbour. The general earned the wrath of Rumsfeld when he told Congress that it might take several hundred thousand US troops to control Iraq after the invasion. The deputy defence secretary, Paul Wolfowitz, Air Jordan 17 said Shinseki's assessment was "wildly off the mark". Both men boycotted Shinseki's retirement ceremony. George Bush acknowledged Shinseki was correct when he ordered the surge into Iraq in 2007. His appointment was seen yesterday as further vindication. "It was wrong for the Bush Administration to mistreat him the way it did," Carl Levin, the chairman of the armed services committee told Fox television. He said the choice of Shinseki was a signal that Obama would tolerate dissenting views. Richard Shelby, a Republican Senator for Alabama, Air Jordan 16 also praised the choice. It could also shore up morale among veterans. The Bush Administration has been accused of underestimating the numbers of wounded soldiers returning from Iraq and Afghanistan.

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Mortgage holiday plan leaves confusion

By Alex Barker, Jim Pickard and Jane Croft

Published: December 4 2008 02:00 | Last updated: December 4 2008 02:00 Britain's biggest mortgage lenders were last night struggling to work out the details of a hastily arranged scheme designed to prop up the housing market and add lustre to andofus jol otherwise dull Queen's Speech. Senior bankers were given just a day's notice of Gordon Brown's plan to offer a state-backed mortgage holiday to some families struggling with repayments, leaving a raft of details to be settled in coming weeks. Questions remain over who is eligible, how the scheme will operate, what effect it Air Jordan 18will have on the housing market, what compensation lenders will receive for lost interest and what liability will be assumed by taxpayers. So far the government has said the scheme will apply to mortgages of up to £400,000 and cover households that experience "a significant or temporary loss of income". Eligible borrowers would be able to defer a proportionrunescape power leveling of their interest payments for up to two years. The missed payments would be added to the principle and the mortgage extended so it could be paid over a longer period. The main inducement for lenders is a broad government guarantee to reimburse any losses from the payment holiday if the borrower eventually defaults. Officials estimate the guarantee will appear on government books as a "contingent liability" of £1bn, but will cost about £100m. The assumptionsAir Jordan 15 behind the calculation were not disclosed. Shelter, the homelessness charity, estimated the scheme could help up to 100,000 homeowners. Adam Sampson, chief executive, said it had "the virtue of simplicity" and was "exactly what we were looking for". The main lenders, which were given a broadrunescape items description of the scheme on Tuesday afternoon, said it was "workable". But most echoed the Council of Mortgage Lenders in stressing that the "devil will be in the detail". Conditions for eligibility are likely to be the most controversial aspect of the scheme, defining both its scope and impact on the wider market. Affordability standards will need to be set and clear rules for verifying income. Officials suggest there is likely to be some means-testing, with people holding savings of more than £16,000 - the national average - excluded. Safeguards will be required to prevent borrowers "gaming the system" by living off the taxpayer for two years and then handing in their keys. Air Jordan 18These conditions will be critical in preventing any backlash among taxpayers unhappy at reckless borrowers being bailed out. Downing Street admits that home repossessions will continue, in spite of the scheme. But the protection is likely to slow the pace significantly. Offering this lifeline to borrowers may have unpredictable effects on house prices, as it could prevent a wave of forced sales - at least till 2011. The CML said there were still "outstanding Air Jordan 15questions at the end of the two-year period in relation to house prices and arrears unless the market picked up. We just haven't seen the detail; we are not looking at a detailed scheme yet". Some bankers highlighted uncertainty over what would happen if borrowers were protected by insurance against losing their job. Indeed the scheme cast a shadow over the entire mortgage payment protection insurance market, which the Competition Commission recently found to be uncompetitive and often over-priced. Another problem for lenders will be the loss of cash flow over the holiday period. Officials have signalled that they may be willing to loosen capital requirements. It remains unclear whether interest will be levied on the deferred interest. Finally, there is the question of whether the most aggressive lenders in seeking repossessions will join the scheme at all. Meanwhile, Mr Brown yesterday confirmed that Air Jordan 18he would toughen up banking regulations to ensure small companies received fair treatment, with the threat of fines for those that breached the rules. The Financial Services Authority will incorporate the existing voluntary code for individual customers under its regulation, while also making a separate and largely toothless code for business lending statutory. Angela Knight, chief executive of the British Bankers' Association, said the move would give more certainty to customers and banks and said her members had been workingAir Jordan 18 with the FSA and government on the rules. But she said that she wanted the rules to be widely applied in the financial services industry. "Many different entities provide lending to people and to businesses and clearly these need to be included in any legislative requirements," she said. Additional reporting by Jim Pickard

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Detroit's auto bubble pain Automakers are suffering because sales were artificially boosted by cheap credit and the Big Three thought this could last forever. By Chris Isidore, CNNMoney.com senior writer November 30, 2008: 6:59 PM ET NEW YORK (CNNMoney.com) -- Automakers are counting on a rebound in demand by 2010. But that could turn out to be unrealistic because of an "auto bubble" Air Jordan 13the Big Three helped to create during the past few years. Cheap financing, easy credit conditions and attractive pricing on cars due to overcapacity in the U.S. auto market caused record sales earlier this decade. Experts agree those three conditions are going torunescape powerleveling be missing for years to come, and that sales will continue to be weaker than normal at least through 2011 or 2012. And that may make it a lot tougher for executives of General Motors, Ford Motor and Chrysler LLC to make the case that they have a viable turnaround plan when they again appeal to Washington for $25 billion in bridge loans later this week. The Big Three will present their business plans to Congress on Tuesday, and appear before a Senate committee Wednesday and a House panel Friday. "It's going to take us many years to get back to a trend level of sales, let alone the levels you might hope to see," said Bob Schnorbus, chief economist with J.D. Power &warhammer accounts Associates. From 1999 through 2006, U.S. auto sales averaged 16.9 million vehicles a year. Before that period, there was only one year when annual sales even hit 16 million. And these strong years came at a time when the number of licensed drivers was posting a modest 1.1% annual gain, suggesting that the sales increases were way ahead of fundamentals. In other words, people bought new cars or trucks because they could, not because they necessarily needed to. "We had above-trend years, some of which was caused by Air Jordan 14an incredible growth in household net wealth that later we found wasn't real," said George Pipas, director of sales analysis and reporting for Ford Motor. Pipas added that sales were "artificially high" in other years "due to a higher and higher level of incentive spending.". "Now when we look back, we see elements of a bubble," he said. "Does that present a problem today? Of course." The bubble-inspired mistakes The fact that sales were that strong for that long led thewarhammer time cart automakers to make mistakes about their production capacity that they are now paying for dearly. The strong sales also allowed General Motors (GM, Fortune 500), Ford Motor (F, Fortune 500) and Chrysler LLC to generate healthy profits, which led them to agree to contracts with the United Auto Workers union that they ultimately couldn't afford over the long-haul. But as import brands started to eat into Detroit's market share, it became tougher for the Big Three to stay profitable. By 2005, GM and Ford were losing money on their North American auto operations. Chrysler joined them losing money a year later. In response, they all closed factories and cut staff to bring their capacity more in line with demand. But they didn't cut deeply enough. Each of the Big Three is now making additional cuts inAir Jordan 15 capacity, especially for sport/utility vehicles and other light trucks. That is a sign that these companies did not accurately predict how sharply demand could fall once the auto bubble burst. Detroit wasn't alone in making this mistake. Toyota Motor (TM) and other Asian and European automakers increased their U.S. capacity earlier this decade as well. Toyota has since had to cut its sales and profit outlook because of the weakness in the U.S. It and other Asian automakers have also been forced to rely on bigger cash-back offers and other profit-sapping incentives to boost sales. J.D. Power believes that U.S. sales won't again reach the 16 million vehicle level until 2012 at the earliest. And Schnorbus said he isn't confident that sales will reach that target by then. This is an astonishing fact when you consider that many in the industry had previously thought 16 million in annual sales was a sign of relatively low demand Air Jordan 16until the current collapse in sales. Even GM CEO Rick Wagoner conceded in testimony to Congress recently that the level of auto sales reached during the boom years are probably out of reach for the foreseeable future. "We think that was actually, probably, in retrospect, higher than a normal trend because of the low energy cost and the cheap credit," Wagoner said. Pop goes the market Another sign of just how out of whack the market got by the middle of the decade was that there were far more many vehicles on the road than actual registered drivers. This has long been the case, due mainly to the number of cars and trucks owned by businesses. But that gap grew much wider during the boom years. In 1998, warhammer accounts there were about 12 million more vehicles than drivers in 1998. By 2006, the difference grew to 34 million.. That kind of imbalance couldn't be maintained, even before the economy fell off a cliff. To that end, U.S. sales slowed to 16.1 million in 2007 and have plunged this year thanks to high gas prices earlier in the year and then the credit crunch. Sales are now at their worst levels in 25 years, with a seasonally-adjusted annual rate of only 10.5 million vehicles in October. And when adjusted for population, GM said October was the worst month for the industry since the end of World War II. November sales, which will be announced on Tuesday, are likely to be comparable to October's total. For the full year, sales are expected to be just over 13 million andAir Jordan 17 the automakers themselves are forecasting a drop to around 12 million in 2009. But the Big Three is hoping sales will start to bounce back in 2010 thanks to pent-up demand. They argue that this rebound, combined with additional cost cuts and labor contract savings they'll see that year, will get back on their feet financially. David Cole, chairman of the Center for Automotive Research, a Michigan think tank supportive of the bailout, said he still believes that sales can bounce back quickly because they've fallen so dramatically during this downturn. "Right now we're at depression level sales. Sales of 14Air Jordan 18 million a year is what we'd expect for recession levels," he said. But he agrees that the bubble that occurred during the boom is a big reason why Detroit is in such serious trouble. Now that it has burst, there is no easy way out of the crisis for the Big Three. "We had easy credit so we had inflated sales for several years," he said. "That's part of the price being paid right now."

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