Saturday, May 26, 2012

Islamists, ex-PM reach out to rivals after Egypt vote

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Monday, May 21, 2012

Health Reform Talk: Health Insurance Premium Tax Credit Guidance ...

In regulations to be published in the May 23 Federal Register, the Internal Revenue Service provides guidance for individuals who enroll in qualified health plans through American Health Benefit Exchanges and claim the health insurance premium tax credit and for affordable insurance Exchanges that provide qualified health plans to individuals and employers. The regulations are effective on May 23, 2012, and apply to tax years ending after Dec. 31, 2013. These final regulations clarify the proposed regulations issued on Aug. 17, 2011.

Beginning in 2014, under the Patient Protection and Affordable Care Act, individuals and small businesses will be able to purchase private health insurance through state-based competitive marketplaces called American Health Benefit Exchanges. Exchanges are intended to offer competition and choice. Insurance companies will compete for business on a level playing field, driving down costs. Consumers will have a choice of health plans to fit their needs and Exchanges will give individuals and small businesses the same purchasing power as big businesses.

The ACA allows a refundable premium tax credit to help individuals and families afford health insurance coverage by reducing a taxpayer's out-of-pocket premiumfor a?qualified health plan.
To be eligible for a premium tax credit, an individual must be an applicable taxpayer defined as a taxpayer:

1. with household income for the taxable year between 100% and 400% of the federal poverty line (FPL) for the taxpayer's family size;

2. who may not be claimed as a dependent by another taxpayer; and

3. who files a joint return if married.

Among other issues, these flatest inal regulations clarify the definition of family and household income. Household income does not include the modified adjusted gross income of a family member who is required to file a tax return solely to report tax imposed under code sections other than Code Sec. 1 (federal income tax on taxable income), such as the early distribution penalty under Code Sec. 72(q) or self-employment tax under Code Sec. 1401. However, modified adjusted gross income does include Social Security benefits not included in gross income under Code Sec. 86 as required by The 3 Percent Withholding Repeal and Job Creation Act (P.L. 112-56).

In addition, the final regulations clarify that the higher federal poverty line applies if married taxpayers reside in separate states with different federal poverty guidelines, or if a taxpayer resides in states with different federal poverty lines during the year.

If an individual fails to complete the requirements for benefits under a government-sponsored program by the last day of the third full calendar month following the eligibility event, that individual will be eligible for coverage on the first day of the fourth calendar month, the final regulations state. The three-month time period does not include the time needed for a government agency to process an application. The IRS expects to publish additional guidance clarifying when or if an individual becomes ?eligible for government-sponsored minimum essential coverage? (such as Medicaid) when the eligibility for that coverage is due to a particular illness or condition, for example, blindness or disability.

If, after an individual enrolls in a qualified health plan, new or different employer-sponsored coverage becomes available, the individual must notify the exchange and get a new determination to extend the affordability safe harbor. The affordability safe harbor applies only until available employer-sponsored coverage changes and the employee affirmatively provides information allowing an exchange to determine that employer-sponsored coverage is unaffordable. The final regulations also clarify that an employee is not eligible for coverage under the employer?s plan during a waiting period.

An employee is not enrolled in an eligible employer-sponsored plan if: (1) the employee is automatically enrolled in the plan, and (2) terminates the coverage before a specified date. Thus, an individual who is automatically enrolled in a plan that is unaffordable or that does not provide minimum value and who terminates that coverage by the specified date will not be treated as eligible for minimum essential coverage under the employer-sponsored plan for the period during which the individual was automatically enrolled. Accordingly, the individual will not be precluded by the automatic enrollment from inclusion in the taxpayer?s coverage family for computing the premium tax credit for that period.

The applicable benchmark plan for family coverage is the plan that applies to the members of the taxpayer?s coverage family. The final regulations clarify that the coverage family includes only those members of the taxpayer?s family who are not eligible for other minimum essential coverage and enroll in a qualified health plan.

Comments on the final regulations will be accepted until August 22.

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Friday, March 23, 2012

Debt Consolidation Advice ? Free! ? Blog Archive ? The Business ...

Posted by admin on March 23, 2012
debt consolidation

The Shopper Finance Protection Bureau wants major card corporations to revise their agreements and make them more user friendly, according to Credit Karma. The new 2-page-long agreement is a far more simplified version, Forbes reported. Small businesses looking for mastercards could be poised to hang about for these agreements in order to strip down their selection process. In the latest blog post ?New Rules : How Mastercard Changes Will Help Your Business,? the Business Finance Store discusses 3 major changes to card policies and security may affect smaller businesses. Credit cards are a crucial part of small company life. Not only do they provide for one sort of financing, they also allow buyers to make purchases.

Knowing the changes in Mastercard policies can mean an honest-to-goodness difference between business running smoothly or having one or two additional bumps in the road. Read more about changes to card policies and security at the Business Finance Store blog. The Business Finance Store is a business financing and consulting firm that offers customised Business Finance Solutions. Seasoned professionals offer help in a variety of monetary solutions to help small enterprises succeed like : Business Financial Solutions, Legal Solutions, and Accounting Solutions. The employees at The Business Finance Store understands that beginning and growing a business is a thrilling time. They keep it exciting by taking care of a few of the most difficult aspects, by providing legal services, giving help with imperative responsibilities like accounting & book keeping, and by obtaining business finance. They can efficiently guide entrepreneurs through many alternative complex processes, and put them on the path to achievement.

For ten years The Business Finance Store has been helping startups and other smaller companies legally structure their companies, find the correct franchises, get the money they want and to realize the American Dream of owning their own prosperous business. Since expanding across the nation in 2007 they have helped uncountable thousands of corporations and have subsidized over $60 Million in business credit lines, not including SBA loans. The Business Finance Store sees unlimited potential in the prevailing climate, and is looking forward to many strong years of growth to come. Take some time to study their services, and give them a call. For full information, or a free, no-commitment analysis of your business wants visit The Business Finance Store, visit businessfinancestore A member of their professional staff will get in touch with you to chat about your business ? short and long term goals. Whatever you need, The Business Finance Store is there.

Tags: credit card

Source: http://nodebtever.com/2012/03/the-business-finance-store-discusses-new-changes-in-credit-card-policies-and-security/

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Video: Obama's 'Green Energy' Push

Discussing the president's take on solar and fossil fuels, with Dan Shugar, Solaria CEO, and Jack Gerard, American Petroleum Institute.

Related Links:

Business & financial news headlines from msnbc.com

Top of page

Source: http://video.msnbc.msn.com/cnbc/46828990/

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Thursday, March 22, 2012

Gopher Genealogy: Family Search Center and Microfilms and Fiche

Today I decided to work some more on the four microfilms that I have on loan at our Family Search (History) Center. As I arrived and departed it was trying hard to snow. One day it is spring and the next we shift back into winter weather. Tonight the white stuff is falling fast and furious. I am glad I made the trip out today, as when it snows I just stay home and enjoy the scenery until it melts away. The flowers are popping out in the flowerbeds and the trees are ready to blossom.?Before April showers that bring the?May flowers, we usually have March madness?of weather conditions.

Working with microfilms is a challenge for me, as I tend to get motion sickness when reading them. It is important that I pace how fast I wind the film and not look at the movement any more than necessary. At my side is a package of mints to help quell the sensation that develops. While so many records are being digitized there are many more that may never be digitized. Familysearch must honor copyright laws in this process and sometimes that means only an index or a collection is available, or neither in digitized format.

With the recent price increase I decided it was time to order the microfilms and fiche that were on my Research List. The new online ordering process is user friendly and keeps one informed as to the progress of delivery.?The familysearch catalog is still a very important tool in determining what records are available on microfilms or fiche, but first check the digitized collections for the records. In checking my list of films I found that three of them are now in the digitized collection. It was much nicer to use them online, in the comfort of my own home and without the motion sickness.?

The digitized microfilms?are:
#1605186 Probate Index for Ogle County, Illinois 1850-1900
#1605187 Probate Index for Ogle County, Illinois 1850-1900
#1605201 Guardianship Records for Ogle County, Illinois 1858-1873

The microfilms I ordered?include:
#1415757 Grantor Deed Index for Ogle County, Illinois 1837-1865
#1415803 Grantee Deed Index for Ogle County, Illinois 1837-1865
#1000508 The History of Ogle County, Illinois, 1878, The Portrait and Biographical Album of Ogle County and a Surname Index created by Carolyn Jacobs.
#848591 Cemetery Inscriptions of Ogle County, Illinois
The fiche is #6089188 Brookville, Ogle County, Illinois

As you might guess, I have ancestors who lived in Ogle County in this time period. There is of course a puzzle to be solved about an ancestor who married and lived here prior to moving to Kansas. He died in the Civil War in Little Rock, Arkansas, and I have been unable to link him to his parents. Recently someone connected him to possible parents, but I do not feel?that is correct. There are clues to be found that hopefully can help me to find the correct parents.

The people who I found records for are Samuel Reed the Civil War ancestor who was born in Pennsylvania, Daniel Shuey his father in law, and others with the surnames of Reed, Shuey and Straw or Stroh his wife's second husband's surname.

So far I found no known ancestors in the microfilm on the Cemetery Inscriptions for Ogle County.
In the grantor index there are thirteen deeds related to the Reed surname and three?for?Daniel?Shuey.
In the grantee index there are many deeds for Stroh, Straw, Read, Reed, Reid and two for Daniel Shuey.

Daniel Shuey born in about 1797 in West Hanover, Pennsylvania died in Brookville, Ogle County in about 1862. The deeds for him as the grantor are dated April 4, 1855, August 10, 1855 and May 6, 1856. The deeds for him as grantee are dated June 11, 1848 and May 21, 1855. They are in four different books, which would mean ordering several more microfilms.

It may prove more cost effective after reviewing the additional records on the microfilms for me to do the research in Salt Lake City at the Family History Library or the Riverton Family Research?Library or the BYU Library Family Search Center. It is important to verify that the microfilms are available at the other two facilities, but each of them has large collections.

Well, it is time for me to wrap this up and go gaze at the snow falling outside. If weather conditions change your plans, doing genealogy is a very nice alternative. Here's hoping for a quick transition into spring.

Source: http://gophergenealogy.blogspot.com/2012/03/family-search-center-and-microfilms-and.html

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Wednesday, March 21, 2012

Discovery offers insight into treating viral stomach flu

Discovery offers insight into treating viral stomach flu [ Back to EurekAlert! ] Public release date: 21-Mar-2012
[ | E-mail | Share Share ]

Contact: Melanie Bernds
mbernds@danforthcenter.org
314-587-1647
Donald Danforth Plant Science Center

Lethal Norovirus has become the second leading cause of death from gastroenteritis

ST. LOUIS, MO, March 21, 2012Twenty million Americans get sick from norovirus each year according to data released last week by the Centers for Disease Control (CDC). Often called vomiting illness, it can spread rapidly on cruise ships, and in dormitories and hospitals. Recent data from the CDC shows deaths from gastrointestinal infections have more than doubled and have become a particular threat to the elderly. The virus is shed in the stool of the infected individual, has a short incubation period and can spread quickly if proper hand washing and other measures are neglected.

While researchers say that vaccines for intestinal infections are among the most difficult to develop, a recent discovery may provide the critical information needed for success. "Sometimes atomic structure gives us clues on how viruses work and how to make better vaccines," said Dr. Thomas Smith, principal investigator, at The Donald Danforth Plant Science Center whose recent article, Structural Basis for Broad Detection of Genogroup II Noroviruses by a Monoclonal Antibody That Binds to a Site Occluded in the Viral Particle, in the Journal of Virology was selected by the editors as an, "Article of Significant Interest, sighting the extreme norovirus flexibility suggested by these results may allow for broad antibody recognition, a finding of potential vaccine significance."

Smith was part of a team of scientists lead by Dr. Peter D. Kwong, National Institute of Allergy and Infectious Diseases, National Institutes of Health (NIH). Their research demonstrated that the virus has a structure unlike that of other viruses in that is has protein "lollipop" like structures that likely gives it more flexibility in attaching to cells. There are four genera of this virus family, the Caliciviruses, with the Sapoviruses and Noroviruses being the major cause of severe gastroenteritis in humans.

Dr. Smith and his colleagues discovered that because of the "lollipop" structure, antibodies against the norovirus may be able to bind to the more conserved underside of this floppy structure. This suggests that the extreme flexibility of the norovirus particle may allow for antibody recognition of protected surfaces that might otherwise be buried on intact particles.

This information will give researchers more insight on how to manipulate complex viruses as well as to design and develop better drugs to treat the maladies they cause. Rotovirus, a member of a different viral family but also causes severe gastro intestinal distress primarily in children, is being well controlled by the recent development of a vaccine.

###

About The Donald Danforth Plant Science Center

Founded in 1998, the Donald Danforth Plant Science Center is a not-for-profit research institute with a mission to improve the human condition through plant science. Research at the Danforth Center will feed the hungry and improve human health, preserve and renew the environment, and enhance the St. Louis region and Missouri as a world center for plant science. The Center's work is funded through competitive grants and contract revenue from many sources, including the National Institutes of Health, U.S. Department of Energy, National Science Foundation, U.S. Department of Agriculture, U.S. Agency for International Development, the Bill & Melinda Gates and Howard G. Buffett Foundations.

The Donald Danforth Plant Science Center invites you to visit its website, www.danforthcenter.org, featuring interactive information on the Center scientists, news, education outreach and "Roots & Shoots" blog to help keep visitors up to date on the Center's areas of research and programs.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Discovery offers insight into treating viral stomach flu [ Back to EurekAlert! ] Public release date: 21-Mar-2012
[ | E-mail | Share Share ]

Contact: Melanie Bernds
mbernds@danforthcenter.org
314-587-1647
Donald Danforth Plant Science Center

Lethal Norovirus has become the second leading cause of death from gastroenteritis

ST. LOUIS, MO, March 21, 2012Twenty million Americans get sick from norovirus each year according to data released last week by the Centers for Disease Control (CDC). Often called vomiting illness, it can spread rapidly on cruise ships, and in dormitories and hospitals. Recent data from the CDC shows deaths from gastrointestinal infections have more than doubled and have become a particular threat to the elderly. The virus is shed in the stool of the infected individual, has a short incubation period and can spread quickly if proper hand washing and other measures are neglected.

While researchers say that vaccines for intestinal infections are among the most difficult to develop, a recent discovery may provide the critical information needed for success. "Sometimes atomic structure gives us clues on how viruses work and how to make better vaccines," said Dr. Thomas Smith, principal investigator, at The Donald Danforth Plant Science Center whose recent article, Structural Basis for Broad Detection of Genogroup II Noroviruses by a Monoclonal Antibody That Binds to a Site Occluded in the Viral Particle, in the Journal of Virology was selected by the editors as an, "Article of Significant Interest, sighting the extreme norovirus flexibility suggested by these results may allow for broad antibody recognition, a finding of potential vaccine significance."

Smith was part of a team of scientists lead by Dr. Peter D. Kwong, National Institute of Allergy and Infectious Diseases, National Institutes of Health (NIH). Their research demonstrated that the virus has a structure unlike that of other viruses in that is has protein "lollipop" like structures that likely gives it more flexibility in attaching to cells. There are four genera of this virus family, the Caliciviruses, with the Sapoviruses and Noroviruses being the major cause of severe gastroenteritis in humans.

Dr. Smith and his colleagues discovered that because of the "lollipop" structure, antibodies against the norovirus may be able to bind to the more conserved underside of this floppy structure. This suggests that the extreme flexibility of the norovirus particle may allow for antibody recognition of protected surfaces that might otherwise be buried on intact particles.

This information will give researchers more insight on how to manipulate complex viruses as well as to design and develop better drugs to treat the maladies they cause. Rotovirus, a member of a different viral family but also causes severe gastro intestinal distress primarily in children, is being well controlled by the recent development of a vaccine.

###

About The Donald Danforth Plant Science Center

Founded in 1998, the Donald Danforth Plant Science Center is a not-for-profit research institute with a mission to improve the human condition through plant science. Research at the Danforth Center will feed the hungry and improve human health, preserve and renew the environment, and enhance the St. Louis region and Missouri as a world center for plant science. The Center's work is funded through competitive grants and contract revenue from many sources, including the National Institutes of Health, U.S. Department of Energy, National Science Foundation, U.S. Department of Agriculture, U.S. Agency for International Development, the Bill & Melinda Gates and Howard G. Buffett Foundations.

The Donald Danforth Plant Science Center invites you to visit its website, www.danforthcenter.org, featuring interactive information on the Center scientists, news, education outreach and "Roots & Shoots" blog to help keep visitors up to date on the Center's areas of research and programs.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-03/ddps-doi032112.php

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Review: Silent Hill: Downpour | Video Games, Reviews, Features ...

Silent Hill: Downpour is the eighth iteration of the venerable survival-horror franchise that began in the days of the original PlayStation. Since then, the development has passed to several different studios. Though the series? origins are firmly Japanese, the last two developers, Climax Studios and Double Helix games, were British and American, respectively. While their entries into the series were respected critically, hardcore Silent Hill fans were left a little disappointed at the abandonment of the series? eastern roots.?The Czech-based developer of Silent Hill: Downpour, Vatra Games, has attempted to return the series to its roots, and although there are a few key stumbling points, fans who found themselves disappointed by the previous entries will undoubtedly?find the title encouraging, if nothing else.

The Silent Hill series has wound its way through many protagonists, some genuinely interesting and relatable, others notably less so. This time around, inmate Murphy Pendleton is the man destined to enter America?s most haunted town. Pendleton is an inmate at Ryall State Corrections Facility, though what he was convicted for is not immediately evident. His arrival into Silent Hill is an unfortunate accident. During a prison transfer, the bus Pendleton is on crashes, and in his ensuing attempt to escape, he blunders blindly into Silent Hill. This moment is actually one of the weakest in an otherwise well-told story. During the first few hours, it?s hard to tell whether Murphy is actually a likable protagonist. Details about his past ? even the key detail of why he was imprisoned ? are held at arm?s length until several hours in.?The game?s opening sequence, in which Murphy kills a fellow prisoner, seemingly in cold blood, casts further doubt upon his believability as a Silent Hill protagonist. The style of horror the series uses is centered around the player feeling connected to the protagonist, and a convicted felon, especially one as murderous as Murphy initially seems, is hard to relate to. Once you enter Silent Hill, however, and the town begins to taunt Murphy with his own past, necessitating the game?s reveal of key details about his life, the story of Silent Hill: Downpour really finds its legs, and you find yourself finally getting invested. It simply takes a little too long to reach that point.

The town of Silent Hill has seen a few changes this time around. When you finally reach the town proper, after about two hours of gameplay, you find that Vatra Games has given it more of an open-world feel. You?ll discover, though, that this is a pseudo-open-world more than anything else, as there are numerous blockades and fractures in the road that stop you from roaming freely. The result is that the town is split into a few different sections, each larger than what is practical. You?ll find yourself wandering back and forth in each of these areas attempting to find the entrance to the building you need to get into. Or how to access the next area. Or even just what you?re supposed to do next. This isn?t helped by the game?s objective system, which is extremely broad and not at all helpful. ?Escape from Silent Hill,? is your main objective, but the journal doesn?t provide any further direction than that. This is most notable when you first enter the town, without any real idea of what you?re supposed to do. Vague marks on your maps will draw you to areas of interest, but there?s no indication as to why you should be drawn there. This means that the truly interesting portions of the game are broken up by random wanderings in which the titular rains become more annoying than anything. They make getting from one area of the map to the another more cumbersome than it should be, since once the rains come, the monsters of Silent Hill appear more frequently and are much more difficult to kill. ?When you finally get where you?re going, Silent Hill: Downpour has some extremely interesting moments. But the choice to make Silent Hill so large and provide so little direction means a lot of needless wandering as you try and figure out what you?re supposed to do next.

A Silent Hill game wouldn?t be a Silent Hill game if it didn?t feature clunky combat, and Downpour unfortunately excels all too well at this. Murphy can only carry two weapons ? one melee and one holstered ? with melee weapons degrading over time. In theory, this means that you?ll have to make do with what you can find on short notice. In practice, however, there are only a couple of melee weapons that are really worth carrying. Axes can break the boards off of boarded up doorways, and harpoons (which actually resemble overlong fire pokers) can hook onto ladders to pull them down into arm?s reach. This means that you?ll always want either one or the other in your hand. Weapons constantly spawn in the same locations, so as long as you?re outside, you get a pretty good feel for where the good weapons are.

Using these melee weapons for fighting is, as is the Silent Hill tradition, lacking. There?s no real visual feedback for smacking a Screamer with the broad side of your axe, so first and foremost, the combat is unsatisfying. Couple that with the lack of a lock-on function, and the fact Murphy will sometimes perform a 180 degree turn after you swing a weapon, and you find that fighting more than one enemy at a time is nearly impossible. On higher difficulties, even one enemy can be a task. They don?t always stagger when you hit them, and the breaks between their attacks are so short that you can?t employ a block-then-hit strategy, because while it stops damage, blocking doesn?t impede the monsters attacks in any other way. You often stagger when hit, though, so if you get struck while winding up for a swing, (which you will quite often), you?ll break off your attack, and probably take a few extra hits, too. Murphy?s clothes get bloody and he starts limping as he takes damage, which is a neat effect at first, but aside from that, there?s no indication of how much damage you?ve taken or how much more you can take before you die. To a certain degree, that?s understandable; it?s designed to create a feeling of tension in the combat, to really make it feel like you?re fighting for your life. But Downpour surpasses the realm of understandability and combat comes off feeling annoying and almost broken.

There are also a wealth of technical issues, the most egregious of which are frequent drops in the frame rate that sometimes devolve into an outright stutter, making the game hiccup as you walk up and down the streets of the town. The camera is also frequently a bother, especially when in combat, as it doesn?t seem to mesh well with the block mechanic. Problems like this are simply not acceptable in current generation gaming. Hardware is sufficiently powerful that frame rate issues are out and out laughable, and by now, third-person games have evolved to the point where problems with the camera are more than just a frustrating issue in the game, they?re an overt slap in the face.

When you?re not fighting or exploring, (or coping with some of the more overt technical flaws) though, Silent Hill: Downpour actually has some genuinely interesting moments.?The thick fog covering the town and the darkness and dilapidation of the buildings you explore do a wonderful job of creating an authentic Silent Hill atmosphere. Some of the moments that take place in the series? trademark ?dark world? can mess with your head, in addition to being appropriately creepy. There seems to be an abundance of cheap startles in some areas (wandering through a dark room only to have a pile of boxes clatter loudly to the ground, or wandering through a cavernous library only for a ceiling to collapse), but there are enough sufficiently creepy moments alongside them that it?doesn?t?feel like a cop-out. The soundtrack isn?t up to normal Silent Hill standards, which can be attributed to the loss of Akira Yamaoka, but composer Daniel Licht (of TV-series Dexter fame) does a fairly admirable job, considering the man he?s forced to follow. All the pieces are there, and when they click, they fit well, but there are just so many little things standing in the way.

When it embraces its origins, Silent Hill: Downpour hits the nail dead on the head, creating an engaging story, a creepy atmosphere, and throwing genuinely unsettling moments at the player, making it truly feel like a Silent Hill game. But in opening up the town of Silent Hill and not providing sufficient direction, a lot of time will be spent trying to figure out just where you?re supposed to go next, or how to get there. Couple that with the traditional problems of the Silent Hill franchise ? poor camera and clunky combat ? slightly worse than previous titles, and Downpour falls to the level of average. Long-time fans of the series will undoubtedly be pleased with some of the choices made by the developer, (monster designs have been toned back, the horror elements are more subtle than those found in Homecoming, and Murphy?isn?t?given a support character to wander around with), but the game?s problems simply make it hard to recommend this to anyone who isn?t already a fan of the series.

?

Pros:

+Genuinely creepy atmosphere

+Story is one of the series? most interesting

+Considering the shoes he?s filling, Daniel Licht does an admirable job with the music.

Cons:

-Horrible combat

-Technical issues abound: frame rate issues most prominently

-Lack of direction leads to a lot of aimless wandering

Silent Hill: Downpour was purchased for the PlayStation 3 and completed in roughly 9 hours. The title is also available for the Xbox 360. According to other sources, the technical problems are NOT exclusive to the platform.

Source: http://www.gamingsurvival.com/2012/03/20/review-silent-hill-downpour/

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