BURLINGTON, Vt. John Cohn, PhD, chief scientist of design automation in the IBM Systems and Technology Group, has been working with students and faculty in the Emergent Media Center at Champlain College this winter.Cohn, an IBM Fellow and Vice President for the Americas for the IBM Academy, and five Champlain College game development students have been creating a multimedia educational companion piece for an electronic game that IBM has developed for Engineering Week 2008. The educational product will be delivered in a multimedia way that kids relate to, and it will illuminate what makes up an electronic game and what courses of study and careers are available in game-related fields.For Cohn, this is a self-designed assignment at Champlain that will benefit IBMs OnDemand Community outreach program. One of IBM and Cohns driving goals is to break through the negative perceptions of kids who might be turned off by science and technology. I know thats a hard problem to change perceptions, he said. But technology, science or math can be so beautiful, much in the way music and art are beautiful.Working with the Champlain College students has been mind-blowingly great, Cohn said. These students really get it. Game development students Ian Bissett, Michael Fowler, Bryan Hare, Wesley Knee and Lauren Nishikawa make up Cohns team.IBM built the processors for the Xbox 360, Playstation 3 and Wii. IBM doesnt currently make games, but we provide a lot the technology behind them, Cohn explained.In addition to his technical duties at IBM, Cohn has long promoted the excitement behind science and technology. Hes delivered entertaining science presentations to more than 30,000 school children over the years. In the near future, he hopes to employ new media such as online science and technology videos to create more enthusiasm for science and technology among Americas youth.
Fast-growing e-commerce platform provider CommerceV3 and leading online marketing agency Timberline Interactive of Middlebury today announced a merger. The combined company will unite a proven online store platform with a vast array of e-commerce marketing services.”Our team was already working in the CommerceV3 environment to grow orders and sales for many of our clients,” says Bud Reed, founder of Timberline. “In many ways, this merger was driven by our focus on the customers. It gives them even more technology options and streamlines website launch and development processes.”Reed, who launched Timberline Interactive ten years ago, is retiring from day-to-day operational duties but will continue in an advisory role to provide strategic direction for the combined companies.CommerceV3 president Nathan Focht rarely gets excited, but he recognizes a new and unique opportunity for merchants. “The CV3 platform has always had a strong feature set to help customers grow their sales, but this merger puts us way ahead of the curve. Tom Funk and the rest of the team at Timberline are masters at tuning web stores for maximum growth. They have a huge playbook for making money online.”Blake Ellis, who co-founded CommerceV3 with Nathan, will serve as the new president of Timberline. Ellis is a serial entrepreneur who has been involved in several Internet start-ups over the years, including CommerceV3, Rails Machine and ResEngine.com. “Timberline brings a wealth of experience to the table, especially their work launching sophisticated sites and growing revenue for large merchants with complex needs. CommerceV3 provides a strong, affordable technical foundation. Together we offer a high octane growth solution to merchants large and small — a combination you can’t find anywhere else in our industry.”Tom Funk will serve as VP of Marketing for the new organization. Funk has been with Timberline for three years and before that worked as Web Manager for the Vermont Teddy Bear Company, where he managed sites doing $46 million a year in e-commerce sales. He is a frequent speaker at Internet Retailer, Shop.org and other industry events and is the author of the book Web 2.0 and Beyond: Understanding the New Online Business Models, Trends, and Technologies.”Today, businesses need to take advantage of every online revenue source: paid search, SEO, email and more. But their success also depends on the features and flexibility of their e-commerce platforms,” says Funk. “This deal brings together two leading e-commerce companies who can now offer both pieces: the online marketing services to drive traffic and the online store technology to convert it to sales.””CommerceV3 meets even complex customer requirements straight out of the box,” says Deb Brisson, Timberline’s VP of Software Development. “And when we need to go further, we utilize TI Commerce.” TI Commerce is an entirely customizable commerce platform built using the Microsoft .NET programming environment. “With CV3 and TI Commerce, we have more technical flexibility than any other provider in the industry, period.””This is big news in multi-channel and direct marketing circles,” says Scott Weaver of Atlanta-based Colinear Systems, a software firm specializing in order management software for large retailers. “Anybody who has searched for products on Google and shopped online has probably encountered the work of these two firms without knowing it. They’re the folks behind the scenes who make finding products and ordering online a smooth and easy process. This is a great opportunity for their existing customers as well as any merchants who want to thrive on the web.”About Timberline InteractiveTimberline Interactive is a leading online marketing and development company specializing in e-commerce solutions for direct marketers and catalogers. They are experts in all aspects of online marketing, including search engine optimization (SEO), paid search campaign management, e-mail campaign management and site usability optimization. Timberline’s clients include Wine of the Month Club, Dinn Trophies, Lake Champlain Chocolates, American Meadows, Terry Precision Bicycles and others.About CommerceV3CommerceV3 (CV3) is a web-based system that allows users to create, populate, customize, maintain and track e-commerce storefronts. It makes selling online as easy as possible, without sacrificing real power. Designed from the ground up for direct-mail merchants, CV3 is PCI-compliant and features integration with order management packages as well as tools to customize pages, drive traffic, manage online inventory availability, process orders, and track revenue. CommerceV3 powers hundreds of storefronts for merchants across the U.S. and Canada.Source: Timberline. Middlebury, VT, USA – September 10, 2009 – ###
What are your initial thoughts on hemp? A favorite pair of shoes? Dreadlocked hippies with woven necklaces? Granola?While all of these things may come to mind, the recent beginnings of industrial hemp production in the United States should bring a foray of other topics to the forefront of your thoughts. Hemp is going through a revival, both as an alternative to harmful industrial processes and as a medicinal herb.It’s all Cannabis.Marijuana, the THC-filled champion of modern drug culture, has always had a place in the outdoor-enthusiasts first-aid kit, however, legitimate science is beginning to back up the importance of this plant to every facet of our culture. Marijuana, and hemp, are part of the flowering genus of Cannabis. And although the names are synonymous, what we consider hemp has been cultivated since the beginning of plant domestication, selectively bred for long, straight stalks, ideal for fiber cultivation. While marijuana, the bushy short-growing relative, has made its mark as a non-addictive, natural-healer, demonized by the DEA for decades, fortunately, attitudes and laws are changing for both members of this genus and the future of their cultivation looks bright.As a fiber alone, industrial hemp has more uses than most plants. Clothing, rope, biodegradable plastic, and Styrofoam alternatives, building materials, and paper are just a short list. In addition, research is being done that shows potential for hemp as an efficient bio-fuel, food source, soil remediation base, and all-around environmental savior.As outdoor enthusiasts we are in a unique spot to influence the future of hemp and other sustainability initiatives.We look for quality in every product we buy. We will pay more for a superior product and, as consumers, we are part of a forward-thinking bunch of early-adopters. It’s no surprise that the companies that serve our demographic follow the same pattern and have re-defined entire industries. Patagonia, a premier outdoor garment manufacturers in the world, is also a pioneer in socially-responsible business practices. Recognizing the advantages of hemp has driven them to add hemp products for men and women like the Men’s Hemp Overstone Pant and Women’s Island Hemp Crossover Dress.Prana has also been at the forefront of embracing hemp, continually adding hemp blended garments to their clothing lines, active and casual-wear alike. Top-selling examples of these include the Women’s Linea Pant and Men’s Sutra Slim Shirt.Consumers will drive the environmental movements of the future.Famed as an outdoor brand and environmental advocate, Patagonia, has been producing hemp clothing from fabric grown and processed in China. They, like most other manufacturers, would prefer to buy the material from U.S. producers but the supply chain for hemp is nearly non-existent compared to the rest of the developed world. Patagonia will continue to purchase this fabric from sustainable farmers and factories around the world and sell them in major markets to help more consumers see the importance of hemp in the environmental story unfolding in our generation.A quick anthropological look at the history of ancient civilizations will show a rapid decline in human populations as natural resources run out. A famous example is the Rapa Nui civilization of Easter Island who cut down forests to sustain rapid population growth and ultimately deforested all of their precious natural resource, leading to their own demise.Hemp provides a different ending – its potential has barely been realized by even the most advanced producers and its benefits as a crop are immediate.Generations of fossil fuel dependency has humans living the least sustainable lives in history, so much so that it has become ubiquitous with the human condition. The rate at which the consumer culture devours these precious resources has become astonishing, albeit quite commonplace, throughout the world. In truth it’s built into every facet of humanity. It’s easy to recognize the amount of petroleum you use – heck, every time you’re at the pump the receipt is all too truthful, but do you stop to consider that every light you turn on, every piece of clothing you wear, every piece of packaging you pitch, every book you read, and damn near every decision you make pulls from a gamut of limited resources?Hemp provides a renewable, biodegradable alternative to many of these consumer-driven habits.Compassion for humanity and the environment are the driving forces in the yet-to-be-decided hemp debate but its benefits reach far beyond what we need. Fashion designers, food connoisseurs, engine nerds, and laissez-faire farmers are touting the accolades of this green gold while consumers reap the benefits of their work with this plant. Having a similar texture to linen (produced from flax, a cousin of cannabis), hemp can be used effectively in bedding and clothing, producing durable and luxurious products with a more sustainable business model. But yet, the U.S. still imports nearly all of this raw material.The United States has always been a leader in consumerism and industrialism. With evidence of an uncertain environmental future and concern for the economic prosperity of our youngest generations, looming just beyond this century, we are faced with a decision. Do we continue the unsustainable pattern of growth and consumption, or invest time and resources into sustainable practices in every facet of our culture? If you care about yourself, your children, and the future of this beautiful planet then the choice is obvious and hemp will be the driving force.Two of America’s favorite presidents, Washington and Jefferson, were proponents of hemp and sung its praises as it grew in their fields at Mount Vernon and Monticello, respectively. They proved that Virginia, really the entire region, is an optimal climate for cultivating Cannabis and was the heart of colonial agriculture that produced hemp through the First World War. Back then it was used mostly for clothing, rope, ship sails and other textiles. Knowing what we know today about this plant, it’s infuriating that we lost nearly 80 years of crops.Hemp cultivation in the Philippines in the early 20th century.It’s what Doug Fine, in his book Hemp Bound, calls the next agricultural revolution.Having more than 10,000 years of human cultivation under its belt, hemp is positioned to make a major comeback after being nearly eradicated from American soil and banned from our shelves for the better part of a century. And while the federal government plays catch-up on antiquated laws, the rest of the industrialized world has seasons of yields that they’ve learned, and profited, from. Luckily, nearly half of the U.S. states have already passed legislation to differentiate industrial hemp from marijuana in the eyes of the law, while instituting research programs to re-learn what we’ve forgot about hemp in the last 80 years. Here in Appalachia, Kentucky seems to be leading the charge but Tennessee, South Carolina, West Virginia, and Maryland are close behind.Virginia and North Carolina need to be next.Nestled in the foothills of the Blue Ridge, the first chapter of the Virginia Industrial Hemp Coalition (VIHC) has been educating the public on this important issue since 2012. The group meets regularly to discuss ways to further their mission and this year marks a major breakthrough – Virginia House Bill No. 1277, Amending the Virginia Farming Act to allow hemp cultivation for research purposes, is on the floor. Jason Amatucci, Founder and Executive Director of the VIHC, worked with Delegate Joseph R. Yost to help draft the bill. Amatucci says,“2014 has been a very positive year for hemp legislation. The 2014 Farm Bill which was signed into law in February allowed for individual states to conduct research via universities and state agriculture departments for growing industrial hemp. Our neighbor Kentucky had a successful season of growing hemp crops this year. Also this year an amendment passed and was signed into law that effects the budget of the DOJ and DEA and strikes any interference those agencies may have in regards to these state hemp programs. In other words, the Feds have to be hands off state hemp programs moving forward. That means no more playing games with hemp seed importations or harassing hemp farmers who are playing by the rules. 2015 is poised to be a big year for industrial hemp in Virginia as we have the Virginia Industrial Hemp Farming Act (Bill #1277) up on deck. The VIHC worked with Delegate Yost from the Blacksburg area to draft the bill. A vote on the bill is likely late January or early February in the 2015 General Assembly session. We need Virginians right now to call, write or email their State Delegates and State Senators to ask them to co-sponsor or support this bill. Check out www.vahemp.org for more information.”– Jason AmatucciAlthough there’s a long road ahead before planting Virginia farms with varieties of industrial hemp, this is a major step in the right direction.Not only can hemp replace many petro-industrial products, but it will revitalize the soil in our fields. Hemp is considered a carbon negative crop because it removes more CO2 (greenhouse gas) from the atmosphere than other plants, often offsetting the amount of carbon emitted in its cultivation and harvest. Its roots work deep into the soil in a short period of time to support its tall stalk and aggressive growth habits. In addition to fixing nitrogen levels and loosening compacted, damaged soil in the process, hemp is a positive addition to any farmer’s rotation.Last, but certainly not the least, hemp holds the closest thing to a fountain of youth known to man. Carrying the elite status of a complete protein, hemp seeds (often referred to as hearts after the shell is removed) have the most concentrated balance of proteins, essential fats, vitamins, and enzymes while being naturally low in sugars, starches, and saturated fats. These facts make it one of nature’s near-perfect food sources and that alone is enough of a reason to legalize and encourage its rapid, widespread cultivation.The history of agriculture in this country has proven that farmers must work in a symbiotic relationship with the fields they plant in. Hemp offers a crop that will reinvigorate farmers with sustainable opportunity throughout the region. Laws have already begun to change on a national level due largely to the efforts of individual states.So, what can we do?Educate others. Pass along your newfound knowledge, soon to become passionate obsession, to friends and family – especially those outdoorsy types who have children.Use your buying power. Choose hemp, local, and sustainable products whenever possible. Also pay attention to the types of packaging, and how much of it, the products you buy incorporate. As consumers, our dollars speak volumes and that has a big impact on Wall Street and in Washington.Voice your opinion. Blog about it and call your government representatives and let them know how you feel about this important issue. Legislation will be hitting the floor in the VA General Assembly during early January (VA House Bill No. 1277) and we could be poised to have seeds imported in time for spring plantings.Sow your seed. Are you a landowner or have access to farmable property? If so, sow the agricultural revolution with your own two hands. The Cannabis family is colloquially called weed for a reason; because that’s how it grows. Hemp is a low-maintenance crop that requires very little irrigation and little to no pesticides while producing higher yields per-acre than nearly every other crop. U.S. states that have legalized hemp spend some time in a research phase in which you must apply for a permit or licensure from the state commissioner. Once the research phase is complete, and varieties of hemp are bred for cultivation in your region, then widespread commercial production will open to the public.That is unless the Federal Government lifts the ridiculous marijuana prohibition laws first – in which case our right to grow this divine plant could be fully restored!Get involved. Join the Virginia Industrial Hemp Coalition and other local organizations that promote a sustainable future. Involvement in these organizations helps to spread awareness at the grass-roots level, educating the populace and acting as a liaison to elected officials. Check out their Facebook page here to stay up-to-date with Virginia’s decision.
Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York The yellow indicates a tornado watch and the purple indicates a small craft advisory (NWS)A tornado watch in effect across the New York area through 5 p.m. Monday includes the offshore area south of western Long Island to the Fire Island Inlet.The tornado watch, which mean the weather conditions are favorable for severe thunderstorms to produce tornadoes, includes New Jersey, upstate New York, Pennsylvania, Delaware and beyond, according to the National Weather Service, which also issued a small craft advisory for boats in waters around LI.“I strongly encourage all New Yorkers to take extra precautions and stay tuned to local media reports for the latest information on today’s storms,” Gov. Andrew Cuomo said. “Weather conditions can change with little warning, so it is important that New Yorkers take appropriate measures to ensure their preparation and safety throughout severe weather events.”The tornado watch comes as the forecast calls for a 70-percent chance of thunderstorms that could bring a quarter of an inch of rain or more Monday afternoon.A severe thunderstorm watch is also in effect for Nassau and Suffolk counties through 10 p.m. Monday.Showers and windy conditions are expected to continue overnight into Tuesday before clearing up and leaving partly to mostly sunny skies through the weekend, when a slight chance of showers are forecast Friday through Sunday.
12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Our economy has increasingly been financialized, and the result is a sluggish economy with stagnant wages. We need to decide whether to stop the cycle and save the economy at large or to stay in thrall to our banks and bondholders. Without clearing our debt, the economy will continue to languish in debt deflation and polarization between creditors and debtors.As a statistical measure, financialization is the degree to which debt accounts for a rising proportion of income or the value of an asset, such as a company or piece of property. The ratio tends to rise until defaults lead to a crisis that wipes out the debt, converts it into equity or transfers assets from defaulting debtors to creditors.As an economic process, financialization makes money through debt leverage — taking on debt to pay for things that will increase income or the value of assets: for instance, taking out a loan for education or a mortgage on a property to open a store. But instead of using credit to finance tangible industrial investment that expands production, banks have been lending to those who want to buy property already in place — mainly real estate, stocks and bonds already issued — and to corporate raiders — those who buy companies with high-interest bonds. The effect often leaves a bankrupt shell of a company, or at least enables corporate raiders to threaten employees with bankruptcy that would wipe out their pension funds or employee stock ownership plans if they do not agree to replace defined benefit pensions with riskier contribution schemes. continue reading »
This post is currently collecting data… This is placeholder text continue reading » CUNA wrote Reps. Barry Loudermilk (R-Ga.) and David Scott (D-Ga.) Thursday in support of their legislation that would prevent regulatory penalties for Paycheck Protection Program (PPP) lenders.“For many reasons, including a complex forgiveness process, PPP loans are remaining on financial institutions’ balance sheets for longer than was originally anticipated and this is creating unintended consequences for these institutions that put so much effort into helping Americans,” the letter reads. “One important effect on PPP lending credit unions is that it can cause a credit union to cross an asset-based regulatory threshold. For credit unions this occurs when net worth ratio falls below 7%, which causes a credit union to lose its status of being well capitalized.“A less than well capitalized credit union becomes subject to NCUA’s rules for prompt corrective action, which requires credit unions to comply with many additional onerous regulations designed to increase their capital,” it adds. “PPP loans should not impact a credit union’s balance sheet as they are meant to be short term and are fully guaranteed by the SBA. This bill will remedy this unintended consequence to credit unions that made PPP loans and thus is necessary to mitigate the negative impact on these credit unions.” ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
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Indonesia announced in March Rp 436.1 trillion worth of fiscal stimulus to strengthen its healthcare system, provide social safety nets and prepare economic recovery programs as the COVID-19 pandemic hits the economy. The government has expected state budget deficit to widen to more than 5 percent from the initial 1.76 percent targeted in the 2020 state budget as the stimulus is rolled out.Read also: Indonesia accelerates tax reforms, cuts corporate income tax in COVID-19 playbookThe ministry data on Friday also revealed that nontax state revenue reached Rp 95.98 trillion by the end of March, an increase of 36.8 percent from last year’s Rp 70.16 trillion, driven by the state-owned companies’ dividends contribution.Central government spending grew by 6.6 percent to Rp 277.9 trillion as capital and social spending increased despite a contraction of 8.8 percent in direct regional transfers to Rp 174.5 trillion.Topics : Indonesia’s state budget deficit fell to Rp 76.4 trillion (US$4.94 billion) in the first quarter of 2020 as revenue grew significantly from a year earlier while spending growth slowed, Finance Ministry data show.The deficit amounts to 0.45 percent of the country’s gross domestic product (GDP). State revenue at the end of March was up 7.7 percent year-on-year (yoy) at Rp 375.9 trillion after state-owned banks paid large dividends, while state spending growth slowed by 0.1 percent yoy to Rp 452.4 trillion. “This month’s figure did not reflect the true economic conditions as state-owned banks paid dividends early, while the cigarette industry purchased tobacco early to brace for further restrictions,” Finance Minister Sri Mulyani Indrawati said during a livestreamed press briefing on Friday. “The relatively good revenue performance compared to March last year is not driven by economic activities.”Read also: Explainer: Indonesia to finance coronavirus battle mostly through debtTax revenue contracted 2.5 percent to Rp 241.6 trillion, mainly driven by weaker oil and gas tax collection, while customs and excise revenue grew by 23.6 percent to Rp 38.3 trillion as tobacco excise increased to Rp 279.9 trillion.“Tax revenue will face heavy pressure over the next several months as economic activities slow, fiscal stimuli take effect and commodity prices decline,” the finance minister said.
Pandya and Rahul were subsequently suspended and the Committee of Administrators wanted to initiate an inquiry about their conduct. Diana Edulji wanted the BCCI office-bearers to be involved in deciding the fate of the two cricketers but CoA chief Vinod Rai had dismissed the suggestion as it would have been in violation of the Board constitution. The CoA said the decision to suspend the two players was taken under “Rule 46 of the approved BCCI Constitution”, which covers players’ conduct that can bring the Board into disrepute.However, Pandya and Rahul’s suspension was lifted after the Supreme Court decided to hear matters related to the BCCI only after some weeks. “The matter and decision has been taken with the concurrence of Amicus Curiae, P.S. Narasimha. In view of the above, the suspension orders dated 11.01.2019 is immediately lifted pending appointment and adjudication of the allegations by the BCCI Ombudsman,” said one member of the Committee of Administrators. BCCI president CK Khanna had earlier urged the CoA to allow Pandya and Rahul to play while the inquiry is being conducted. Khanna said calling the SGM to appoint an ombudsman to investigate the two players’ conduct, as demanded by Board officials, wouldn’t be right as the Supreme Court was adjourned for a week. highlights New Delhi: New Zealand, who is currently trailing the five-match series 0-2, won the toss and chose to bat against India. Kane Williamson’s side made one change, with Mitchell Santner replacing Colin de Grandhomme. However, when Virat Kohli came to speak, he dropped a bombshell to announce two changes. MS Dhoni, who has been in tremendous form in 2019 and has rediscovered his finishing prowess, was ruled out of the game due to a sore hamstring while he announced that Hardik Pandya replaced Vijay Shankar in the side. Speaking on the selection of Pandya at the toss, Kohli said, “He brings great balance to the team. He can give you 5-6 overs and also play the big shots as well. It’s brilliant, especially if you look at our away performances.”The absence of Dhoni is a major blow for India as the former India skipper was finishing games in his trademark style during the ODIs against Australia and New Zealand. In Australia, after he hit a slow fifty which resulted in criticism, Dhoni responded with magnificent knocks of 55* and 68* to give India their first bilateral series win Down Under.However, the return of Pandya back into the Indian cricket team completes a roller-coaster journey for the Baroda all-rounder. Pandya was present on the show Koffee With Karan along with KL Rahul and his comments on women was ‘outrageous’. His comments were deemed ‘misogynistic’ and ‘racist’ by many social media users and he was called back from the tour. For all the Latest Sports News News, Cricket News News, Download News Nation Android and iOS Mobile Apps. MS Dhoni is nursing a sore hamstring.India are leading the five-match series 0-2.Hardik Pandya’s suspension was lifted last week.
Redshirt sophomore Kyle French (94) missed a 44-yard attempt in overtime Saturday, ending Wisconsin’s regular season with a 7-5 record.[/media-credit]STATE COLLEGE, Pa. – With two overtime losses in its last three games, Wisconsin’s lone overtime series Saturday evening at Beaver Stadium followed an all-too-familiar path.It all came tumbling down when defensive end Sean Stanley climbed through the Badgers’ offensive line to sack quarterback Curt Phillips on the second play of the drive and the UW offense stalled before Kyle French sent a 44-yard field goal wide left. And that missed try from the beleaguered kicker was enough for Penn State (8-4, 6-2 Big Ten) to end an emotional Senior Day with a 24-21 win over Wisconsin (7-5, 4-4).“I felt like I hit it really well actually,” French said. “All day I was hitting it very well, and when I looked up the ball was just to the left of the upright and I saw it slowly sailing back and I thought it actually had a pretty legit shot at going in.”The Badger defense held the Nittany Lions to a Sam Ficken field goal on the opening possession of the extra period. But senior tailback Montee Ball appeared to have a clear path to the end zone and the game-winning score on the second play of the drive until PSU defensive tackle Jordan Hill jumped into the gap and flattened Ball after a 1-yard gain.Hill – who proved a constant menace to Phillips, logging two sacks, three tackles for a loss and 12 total tackles – made what UW head coach Bret Bielema described as an “unbelievable play.”“I thought I was gone,” Ball said of the play. “Eyes got really big, but we knew what [Hill] was capable of doing and he made a great play.”After a dominant second half from Penn State in which senior quarterback Matt McGloin threw for 153 of the 200 yards he finished with, it took another late drive form Phillips to even force extra time. For the second time in as many games, the fifth-year senior led the Badgers to the game-tying score, this one covering 66 yards to tie the game with 18 seconds remaining in the fourth quarter.With flurries pouring down over a raucous Beaver Stadium crowd, Phillips rolled right before finding a diving Jeff Duckworth in the front of the end zone to knot things up at 21.But for the third time in four games – the two previous overtime losses coming against Michigan State and Ohio State – the late drive proved fruitless. Both Bielema and UW players seemed at a loss for words for what left them with a string of painstakingly close losses.“It’s incredibly disappointing,” Phillips said. “We’ve been in positions to win them and we just haven’t done it. We have to figure out what this is that’s holding us back from finishing them and learn from it.”Wisconsin’s offense opened its regular season finale with a renewed spring in its step, as Phillips hit redshirt freshman running back Melvin Gordon along the right sideline for a 57-yard touchdown pass less than two minutes into the game. Penn State answered quickly behind the physical, intelligent running of 6-foot-1 redshirt sophomore running back Zach Zwinak.Zwinak found plenty of room in the middle of the Badgers’ defensive line and powered his way through defenders for extra yards to finish with a career-high 179 yards on 36 carries.Wisconsin’s second score came in historic fashion, as Ball handled a toss to the right side before tiptoeing his way along the right sideline and into the end zone to earn his 79th career touchdown and making him the NCAA’s all-time career touchdown leader.The momentum from the senior running back’s historic tromp into the end zone, along with strong play from a Badger secondary that limited McGloin and co. to 47 yards through the air in the first half, made it appear UW was on pace for its first win in two weeks. But Ball’s yards per carry dropped from 6.5 in the opening half to 4.1 by game’s end as Wisconsin’s offensive momentum came to a screeching halt in the third quarter.“We were able to get on the perimeter with some edges and then they started widening their technique, started playing outside in and we never really got back on rhythm with that,” Bielema said of Penn State’s defensive adjustments. “I thought there were quite a few critical third-down drops where we had some guys that were open in that stretch.”Those adjustments from the Penn State defense – a unit playing without senior middle linebacker and emotional leader Michael Mauti – limited the Badgers to 38 yards on the ground in the second half.The Nittany Lions appeared to tie things up at 14 after McGloin launched a pass into the hands of wide receiver Brandon Moseby-Felder in the back of the end zone early in the third quarter. But an official review ruled the redshirt junior bobbled the ball on his way down and forced the home squad to settle for a field goal.Wisconsin’s offense failed to answer, logging four consecutive three-and-outs, and Penn State capitalized with another Ficken field goal. After that, a 41-yard touchdown pass to speedy tight end Jesse James handed the Nittany Lions their first lead of the game.From there, it was d?j? vu.“You can sit here all day [and play out] ‘what ifs,’ but the biggest thing is not putting ourselves in situations where we can have ‘what ifs,’” defensive end Brendan Kelly said. “I think we have to do a better job of finishing and just having more urgency about our finish in the future.”