Saturday, November 24, 2012

Instagram sets single-day record for photo shares

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Oh, Thankgiving. Turkey, mashed potatoes, yam, pumpkin pie, family, friends, football and feasts across the country.

It all adds up to bickering between family members, Friday trips to the gym and ... the biggest day in Instagram history?

According to the popular photo-sharing service's blog, Thursday saw more photo uploads in a single day than ever before.

Instagram users combined to upload over 10 million photos on Thanksgiving including a record rate of 226 photos per second at 12:40 p.m., PST.

It more than doubled the total uploaded using the service, which was officially aquired by Menlo Park-based Facebook in September.

More from?NBCBayArea.com.

Source: http://www.nbcnews.com/technology/technolog/instagram-sets-single-day-record-photo-shares-1C7226148

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Holiday Hazards For Pets From 'Behavior Dogtor' Dr. Rachel Malamed

STUDIO CITY (CBSLA.com)?? Should the host?s pet be a guest at a dinner party?

Dr. Rachel Malamed stopped by KCAL9 Friday to talk about the holiday hazard for pets and how to pet proof the house.

These are the tips she shared:

Table scraps

  • Mother was right; don?t feed the dog under the table. Fat, gravies, rich meats, and other savory table scraps can be very dangerous for your pets, particularly dogs. It?s not unusual for dogs to come down with a life-threatening disease called pancreatitis after being offered too many ?treats? by misguided, but loving, owners or after the animal has raided the garbage following a holiday feast. Pancreatitis causes profuse vomiting, diarrhea, loss of appetite, lethargy, abdominal pain and in servere cases, death. Bring your dog into the veterinarian immediately if you suspect your dog has pancreatitis.

Candy

  • There are a number of things in candy that is bad for pets, but among the worst is the wrapper. Dogs and cats won?t bother to un-wrap the candy, they?ll just swallow it, and the wrapper can cause an intestinal blockage. In fact, animals have been known to eat the wrapper by itself, because it smells good, and get a blockage. Keep candy out of a pets? reach, and clean up those delicious wrappers.

Decorative injuries

  • Your pets may enjoy seeing the new decorations in your home as much as you do.? Trees to climb, garland to hang from, extension cords to chew?the introduction of festive decor can cause potential injuries.? In a house with pets, a good method of avoiding tree climbing injuries for pets is to mount the Christmas tree to the ceiling or wall very securely using fishing line.? Hide extension cords away and don?t let your pets near them, along with other decorations.

Tasty decorations

  • Some decorations are so pretty that they look good enough to eat.? Unfortunately, dogs and cats often take this sentiment literally.? Cats often eat tinsel, leading to severe intestinal problems that could require surgery.? Potpourri smells wonderful and people love to use it to? create? holiday ambiance.? Unfortunately, it smells so good that pets have been known to drink from the potpourri pot or even eat the wet, fragrant wood chips.? This can make an animal sick.

Flowers and plants

  • Many times we put out new plants, flowers or trimmings, depending on the holiday, and these can be poisonous and deadly.? For example, poinsettias and mistletoe, common in Christmas celebrations, are dangerous if swallowed by a dog.? Don?t let your pet eat Christmas tree needles and don?t add any toxic chemicals to your Christmas tree water, because your pet may decide to take a drink under the tree.

Sugar-free snacks

  • Xylitol is a common artificial sweetener in baked goods and sugar-free gum and candy.? It?s also poisonous for dogs.? It can be deadly, particularly if the animal gets into a lot of it, or it?s a small dog.? Symptoms of xylitol poisoning in dogs includes depression, loss of coordination and seizures, and they can start in as little as 30 minutes after the animal has ingested the sweetener.? This is another reason to make sure you keep your pets away from holiday treats, table scraps and candy.

Chocolate

  • Chocolate is a big part of many holiday celebrations, but not for pets.? The chemical that is poisonous to dogs is in the cocoa of chocolate, theobromine, so the darker the chocolate the deadlier. Be wary of pets sniffing around the new and popular extra-dark chocolates. Baking chocolate has by far the most theobromine, and can be deadly in small amounts.? Symptoms of theobromine poisoning can set in in just a couple hours, so call your veterinarian immediately if you discover your pet has consumed chocolate.? Save the wrappers of any chocolates consumed, because your veterinarian will want to know how much your pooch has consumed.

Guests

  • Many pets can become downright panicked when faced with a lot of new visitors.? Some dogs and cats can become so upset that they can do damage your furniture and walls, themselves or your guest.? If you know your pet is uneasy about houseguests and you have some friends coming over, don?t not panic; consult with your veterinarian to find a solution.

Candles

  • A lit candle can provide a real hazard.? Your animals could knock it down and set their fur, or your home, on fire.? Never leave a pet alone with a lit candle.

Pets as presents

  • The American Veterinary Medical Association advises against giving pets as presents, because the recipient doesn?t have the opportunity to have an active role in selecting the animal ? or the opportunity to consider the responsibilities of owning that particular pet.? Pets need healthy food, exercise, love, training, attention, and they need regular veterinary visits to keep them healthy and free of pain and distress.? Rather than giving a living pet on a busy holiday where the noise and activity may cause them distress, consider giving a ?certificate? entitling them to help select a pet or wrap a water bowl or other item the new pet will need.

For more information, visit Behavior Dogtor.

Source: http://losangeles.cbslocal.com/2012/11/23/holiday-hazards-for-pets-from-behavior-dogtor-dr-rachel-malamed/

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Friday, November 23, 2012

Scientists describe elusive replication machinery of flu viruses

ScienceDaily (Nov. 21, 2012) ? Scientists at The Scripps Research Institute (TSRI) have made a major advance in understanding how flu viruses replicate within infected cells. The researchers used cutting-edge molecular biology and electron-microscopy techniques to "see" one of influenza's essential protein complexes in unprecedented detail. The images generated in the study show flu virus proteins in the act of self-replication, highlighting the virus's vulnerabilities that are sure to be of interest to drug developers.

The report, which appears online in Science Express on November 22, 2012, focuses on influenza's ribonucleoprotein (RNP). RNPs contain the virus's genetic material plus the special enzyme that the virus needs to make copies of itself.

"Structural studies in this area had stalled because of the technical obstacles involved, and so this is a welcome advance," said Ian A. Wilson, the Hansen Professor of Structural Biology at TSRI and senior author of the report with TSRI Professors of Cell Biology Bridget Carragher and Clint Potter. "The data from this study give us a much clearer picture of the flu virus replication machinery."

Unveiling the Mystery of RNPs

At the core of any influenza virus lie eight RNPs, tiny molecular machines that are vital to the virus's ability to survive and spread in its hosts. Each RNP contains a segment -- usually a single protein-coding gene -- of the RNA-based viral genome. This viral RNA segment is coated with protective viral nucleoproteins and has a structure that resembles a twisted loop of chain. The free ends of this twisted loop are held by a flu-virus polymerase enzyme, which handles the two central tasks of viral reproduction: making new viral genomic RNA, and making the RNA gene-transcripts that will become new viral proteins.

Aside from its importance in ordinary infections, the flu polymerase contains some of the key "species barriers" that keep, for example, avian flu viruses from infecting mammals. Mutations at key points on the enzyme have enabled the virus to infect new species in the past. Thus researchers are eager to know the precise details of how the flu polymerase and the rest of the RNP interact.

Getting those details has been a real challenge. One reason is that flu RNPs are complex assemblies that are hard to produce efficiently in the lab. Flu polymerase genes are particularly resistant to being expressed in test cells, and their protein products exist in three separate pieces, or subunits, that have to somehow self-assemble. Until now, the only flu RNPs that have been reproduced in the laboratory are shortened versions whose structures aren't quite the same as those of native flu RNPs. Researchers also are limited in how much virus they can use for such studies.

The team nevertheless managed to develop a test-cell expression system that produced all of the protein and RNA components needed to make full-length flu RNPs. "We were able to get the cells to assemble these components properly so that we had working, self-replicating RNPs," said Robert N. Kirchdoerfer, a first author of the study. Kirchdoerfer was a PhD candidate in the Wilson laboratory during the study, and is now a postdoctoral research associate in the laboratory of TSRI Professor Erica Ollmann Saphire.

Kirchdoerfer eventually purified enough of these flu RNPs for electron microscope analysis at TSRI's Automated Molecular Imaging Group, which is run jointly by Carragher and Potter.

Never Seen Before

The imaging group's innovations enable researchers to analyze molecular samples more easily, in less time, and often with less starting material. "We were able, for example, to automatically collect data for several days in a row, which is unusual in electron microscopy work," said Arne Moeller, a postdoctoral research associate at the imaging group who was the other first author of the study.

Electron microscopes make high-resolution images of their tiny targets by hitting them with electrons rather than photons of light. The images revealed numerous well-defined RNP complexes. To Moeller and his colleagues' surprise, many of these appeared to have new, partial RNPs growing out of them. "They were branching -- this was very exciting," he said.

"Essentially these were snapshots of flu RNPs being replicated, which had never been seen before," said Kirchdoerfer. These and other data, built up from images of tens of thousands of individual RNPs, allowed the team to put together the most complete model yet for flu-RNP structure and functions. The model includes details of how the viral polymerase binds to its RNA, how it accomplishes the tricky task of viral gene transcription, and how a separate copy of the viral polymerase assists in carrying out RNP replication. "We're now able to take a lot of what we knew before about flu virus RNP and map it onto specific parts of the RNP structure," said Kirchdoerfer.

The new flu RNP model highlights some viral weak points. One is a shape-change that a polymerase subunit -- which grabs viral RNA and feeds it to the polymerase's active site on a second subunit -- has to undergo during viral gene transcription. Another is key interaction between the polymerase and viral nucleoproteins. Flu RNPs are long and flexible, curving and bending in electron microscope images; and thus the structural model remains only modestly fine-grained. "You wouldn't be able to design drugs based on this model alone," said Kirchdoerfer, "but we now have a much better idea of how flu RNPs work, and that does suggest some possibilities for better flu drugs."

The study, "Organization of the Influenza Virus Replication Machinery," was funded in part by grants from the National Institutes of Health (AI058113, GM095573) and the Joint Center for Innovation in Membrane Protein Production for Structure Determination (P50GM073197). TSRI's Automated Molecular Imaging Group includes the National Resource for Automated Molecular Microscopy, which is supported by the National Institutes of Health's National Center for Research Resources (2P41RR017573-11) and the National Institute of General Medical Sciences Biomedical Technology Resource Centers (9 P41 GM103310-11).

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Story Source:

The above story is reprinted from materials provided by The Scripps Research Institute.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/~3/mOpkPuv5pfw/121122152928.htm

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PFT: Suh's to?face one-game suspension for kick?

Atlanta Falcons v New Orleans SaintsGetty Images

It?s already been a busy week in the NFL and we?re only three games into the schedule.

There are 13 more slated for Sunday and the 26 teams taking part have handed in their injury reports for the week. Thankfully, there are no cases of trauma induced by wishbones or Black Friday shopping on any of them.

We?ve got a roundup of what injuries are worth watching for all the games right here.

Vikings at Bears

It doesn?t look good for Vikings wide receiver Percy Harvin. He didn?t do anything but stretch at Friday?s practice and he?s been listed as doubtful to make his return from an ankle injury. Bears quarterback Jay Cutler is waiting for clearance from an independent neurologist on Saturday. If he gets it he?ll almost certainly move from questionable to probable. Wide receiver Alshon Jeffery is out after having his knee scoped.

Raiders at Bengals

It?s another week without running back Darren McFadden, defensive tackle Richard Seymour and running back Mike Goodson for the Raiders. Running back Taiwan Jones is also questionable in the injury ravaged Oakland backfield. Wide receiver Andrew Hawkins and tight end Richard Quinn are doubtful for the otherwise healthy Bengals.

Steelers at Browns

Steelers quarterbacks Ben Roethlisberger and Byron Leftwich are out, leaving the job to Charlie Batch. Tackle Marcus Gilbert and wide receiver Jerricho Cotchery have also been ruled out by Pittsburgh. Safety Troy Polamalu is doubtful after a long-awaited, limited return to practice on Friday and wide receiver Antonio Brown is questionable. Cornerback Joe Haden plans to play for the Browns, who ruled out cornerback Dimitri Patterson and safety Raymond Ventrone.

Bills at Colts

There are 16 probable Bills, including running backs Fred Jackson and C.J. Spiller. Spiller?s getting the start on Sunday, though. The Colts could get tight end Coby Fleener back after the rookie was listed as questionable, but cornerback Vontae Davis is likely to miss his fourth straight game after drawing a doubtful tag.

Titans at Jaguars

The Titans have a group of questionable players, although none of them play major roles for the team. Running backs Maurice Jones-Drew and Greg Jones will miss another Jaguars game. Safety Dwight Lowery and cornerback Rashean Mathis could return after landing questionable designations.

Broncos at Chiefs

With cornerback Tracy Porter cleared to return, the Broncos are light on injury issues to watch. The Chiefs may be soliciting volunteers on the offensive line with tackle Branden Albert doubtful and guards Jon Asamoah and Ryan Lilja questionable for Sunday. Wide receiver Dwayne Bowe is probable, however.

Seahawks at Dolphins

Seven Seahawks are probable, including running back Marshawn Lynch, and all are expected to be healthy enough to play. The Dolphins are in pretty much the same shape, outside of tagging linebacker Austin Spitler as questionable.

Falcons at Buccaneers

Wide receiver Julio Jones, cornerback Asante Samuel and linebacker Sean Weatherspoon are listed as questionable for the Falcons, although all three players were able to practice this week. Safety Charles Mitchell is out. The Buccaneers don?t have much to report on their injury report. Safety Cody Grimm is out and cornerback Eric Wright is questionable with an Achilles injury.

Ravens at Chargers

Ravens cornerback Jimmy Smith will miss another game after sports hernia surgery. Cornerback Chris Johnson is doubtful, defensive end Pernell McPhee is questionable and 13 Ravens are probable on an injury report made more comprehensive following their fine for not reporting safety Ed Reed?s shoulder injury. The Chargers hope to get defensive tackle Aubrayo Franklin back this week as he?s listed as questionable after missing last week?s loss to the Broncos. Linebacker Larry English and wide receiver Eddie Royal are out, while guard Tyronne Green and tight end Dante Rosario are doubtful.

Rams at Cardinals

Linebacker Mario Haggan is out for Arizona and wide receiver Danny Amendola is doubtful after missing practice all week with an injured foot. Cardinals quarterback Kevin Kolb is questionable, but rookie Ryan Lindley gets the start for Arizona. Defensive end Calais Campbell and running back LaRod Stephens-Howling are both questionable while running back Beanie Wells is probable to make his return from a stint on injured reserve.

49ers at Saints

The 49ers aren?t saying who will start for them at quarterback, which makes Alex Smith doubly questionable. New Orleans could be in trouble at right tackle with Charles Brown out and Zach Strief questionable. Defensive end Junior Galette and cornerbacks Elbert Mack and Corey White have been ruled out.

Packers at Giants

Linebacker Clay Matthews, safety Charles Woodson, cornerback Sam Shields and linebacker Terrell Manning are all out for the Packers. Wide receiver Greg Jennings is questionable after making a return from a torn abdominal muscle at practice this week. The Giants have ruled out wide receiver Domenik Hixon and linebacker Jacquian Williams. Safety Kenny Phillps is questionable, although he has predicted a return to action this week.

Source: http://profootballtalk.nbcsports.com/2012/11/23/report-suh-could-be-facing-a-one-game-suspension/related/

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Novel therapeutic advancement in search for heart muscle progenitor cells: New hope for heart attack patients

ScienceDaily (Nov. 22, 2012) ? Breakthrough in heart research: The research team from Professor Katja Schenke-Layland of the Fraunhofer Institute for Interfacial Engineering and Biotechnology IGB in Stuttgart has discovered cell surface markers that enable the identification and isolation of living functional cardiovascular progenitor cells (CPCs). For the first time, therapeutically relevant CPCs can be derived from induced-pluripotent stem cells (iPS) cells. CPCs, which are typically only found in fetal development, can become all of the different cell types of the heart and can integrate into heart muscle tissue after injection.

An estimated 17 million people die from cardiovascular disease each year. Although mortality rates are declining, heart attacks are still among the most frequent causes of death in the developed world. Often, the cause of a heart attack is the closure of a coronary artery that supplies blood to the heart, which kills heart muscle cells. Cardiomyocytes, which are the heart muscle cells responsible for the contraction of the heart, are not able to regenerate after a heart attack. The massive loss of cells and tissue, and the highly restricted regeneration capacity of the adult heart, lead to an impaired blood supply throughout the body that drastically affects a patient's quality of life. To restore the heart's function after a major heart attack, clinicians require functionally mature cardiomyocytes that perform like the native cells in the adult heart to replace the cells that were killed.

The production of such functional cardiomyocytes from well-defined cardiovascular progenitor cells (CPCs) is the focus of the research team led by Prof. Dr. Katja Schenke-Layland from the Fraunhofer Institute for Interfacial Engineering and Biotechnology IGB in Stuttgart and her colleagues, Dr. Ali Nsair of the University of California Los Angeles (UCLA) and Prof. Dr. Robb MacLellan of the University of Washington in Seattle, who have now succeeded in identifying such cells in a mouse model. The work could revolutionize the treatment of heart disease.

Development of heart muscle cells from precursor cells

Myocardial cells -- as well as endothelial cells and smooth muscle cells -- develop from CPCs during the embryonic development of humans and other animals. There has been a significant amount of research effort towards discovering a path for the clinical application of these cells in patients. The reason for the lack of success is that the markers that help to identify CPCs, such as Islet1 or Nkx2.5, are located in the nucleus of the cells. The use of these cell markers modifies the cells rendering them therapeutically unusable, making the identification of safe cell-surface markers essential.

Surface markers identified for cardiovascular progenitor cells

On this task, the research team of Professor Katja Schenke-Layland from the Fraunhofer IGB in Stuttgart, Prof. Dr. Robb MacLellan and Dr. Ali Nsair of the University of California Los Angeles (UCLA), where Schenke-Layland previously worked before returning to Germany to join the Fraunhofer-Gesellschaft's Attract Program, focused their research. With success: They were able to identify two markers, the receptors Flt1 (VEGFR1) and Flt4 (VEGFR3), on the surface of CPCs with which these cells can be clearly identified while fully preserving their biological function. This discovery allows scientists to isolate clinically relevant cardiovascular progenitor cells that can be functionally matured.

In the search for surface markers, the researchers investigated the cardiovascular progenitor cells using microarray gene expression profiling. These studies show exactly which genes are active at a specific point in time. The resulting data from this analysis were compared to the sequencing data from existing databases of already known as cell markers.

From induced-pluripotent stem cells, cardiovascular progenitor cells are developed

Encouraged by the success of being able to identify and isolate living CPCs, the researchers sought out to derive the cells from induced-pluripotent stem (iPS) cells. For this purpose, they used a method for which the Japanese scientist Shinya Yamanaka was recently awarded the 2012 Nobel Prize for Medicine. This work, published just six years ago, demonstrated that only four proteins are responsible for the embryonic state of cells (Takahashi K, Yamanaka S. Cell 2006, 126 (4): 663 -676). He brought those four genes into differentiated -- mature and specialized -- cells, which then returned them back to an embryonic state. From these cells, which he called iPS cells, scientists can develop all cells of the body, such as liver cells, nerve cells or heart muscle cells.

In their study, the researchers used cells from a mouse strain in which the cells are labeled with a visible green fluorescent protein (GFP) that can be identified with a fluorescence microscope. The cells from these mice were then reprogrammed with the same four genes discovered by Yamanka, resulting in iPS cells that could be easily identified.

In a next step, the researchers cultured the GFP-labeled iPS cells in the laboratory under different conditions with cell-influencing solutions such as growth factors. "Using our newly established cell surface markers, we could detect and isolate the Flt1 and Flt4 positive CPCs in culture," says Schenke-Layland. "When we cultured the isolated mouse CPCs then in vitro, they actually developed -- as well as the embryonic stem cell-derived progenitor cells -- into endothelial cells, smooth muscle cells and more interestingly into functional heart muscle cells."

iPS cell-derived CPCs integrate into the living mouse heart

But how do the developed CPCs behave in living organisms? Can these cells really integrate into tissue and regenerate heart muscle? To answer these questions, the scientists injected the GFP-labeled CPCs into the hearts of living mice. After 28 days, the researchers analyzed the hearts and saw that the green fluorescent cells had developed into beating heart muscle cells and had fully integrated into the myocardial tissue of the mouse.

Enormous potential for heart research

Researchers have long tried to stimulate the regeneration of heart muscle cells. For this purpose, they inject stem cells or stem cell-derived cardiomyocytes into the heart. Although the majority of studies found a slight improvement in heart function, in most cases, neither long-term integration nor the differentiation of the cells into heart muscle has been demonstrated.

The result of the group from Schenke-Layland, Nsair and MacLellan provides the first opportunity to generate functioning heart muscle cells, which integrate into the heart muscle. "We are currently focusing on research with human iPS cells. If we can show that cardiovascular progenitor cells can be derived from human iPS cells that have the ability to mature into functional heart muscle, we will have discovered a truly therapeudic solution for heart attack patients," hopes the scientist.

The work of the research group has been funded by the German-American funding from the Federal Ministry of Education and Research (BMBF) and the California Institute for Regenerative Medicine (CIRM), as well as the Fraunhofer-Gesellschaft (Attract Program), the Ministry of Science, Research and the Arts of Baden-W?rttemberg, and the US National Institutes of Health (NIH).

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The above story is reprinted from materials provided by Fraunhofer-Gesellschaft.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Ali Nsair, Katja Schenke-Layland, Ben Van Handel, Denis Evseenko, Michael Kahn, Peng Zhao, Joseph Mendelis, Sanaz Heydarkhan, Obina Awaji, Miriam Vottler, Susanne Geist, Jennifer Chyu, Nuria Gago-Lopez, Gay M. Crooks, Kathrin Plath, Josh Goldhaber, Hanna K. A. Mikkola, W. Robb MacLellan. Characterization and Therapeutic Potential of Induced Pluripotent Stem Cell-Derived Cardiovascular Progenitor Cells. PLoS ONE, 2012; 7 (10): e45603 DOI: 10.1371/journal.pone.0045603

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/most_popular/~3/BY4-eiieI8A/121122112833.htm

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Thursday, November 22, 2012

ESPN to broadcast college football playoffs

NEW YORK (AP) ? The college football playoff system will be televised on ESPN for 12 years once it starts after the 2014 season, the network said Wednesday.

The title game will be played on a Monday, at least a week after the semifinals.

The deal is worth about $470 million a year, a person with knowledge of the terms said. The person spoke on condition of anonymity because the fee had not been announced.

"Folks are going to love this playoff and the attention ESPN will give to it," BCS executive director Bill Hancock said in a statement.

ESPN's current four-year contract to air the Sugar, Orange and Fiesta bowls along with the BCS title game is worth about $125 million per year.

ESPN will own the rights to all six bowls involved in the four-team playoff system. Conference commissioners had decided that the two semifinals would rotate among those half-dozen sites; the four not involved each year will host major bowl games similar to the current BCS contests. The title game will be bid out each season through a separate process, as the Super Bowl is for the NFL.

There will be three "contract bowls" that offer automatic bids to particular conferences in years they don't host one of the semifinals: the Rose, Sugar and Orange. The network already had separate deals for the same 12-year period through the 2025 season for those games, which are affiliated with the Pac-12, Big 12, Big Ten, ACC and SEC.

The new agreement also gives ESPN the rights to the three "host bowls," which will feature at-large teams along with the top squad from the group of five conferences without ties to a contract bowl. The sites for the host bowls are still to be determined, though the most likely landing spots are the Fiesta Bowl in Glendale, Ariz., the Cotton Bowl in Arlington, Texas, and the Chick-fil-A Bowl in Atlanta.

Wednesday's agreement in principle includes rights for TV, radio, mobile, online and international.

"Because of college football's widespread popularity and the incredible passion of its fans, few events are more meaningful than these games," ESPN President John Skipper said.

___

College Football Writer Ralph D. Russo contributed to this report.

Source: http://news.yahoo.com/espn-broadcast-college-football-playoffs-182205115--spt.html

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Source: http://www.acaciathorns.net/246/receiving-a-pay-day-loan-and-having-to-pay-it-back-tips

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