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MBIA Annual Report 2004

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87091_CoverforPDFonly.qxp 4/1/05 11:34 AM Page 1 Baiocco, Michael Ballinger, Frances Banuelos, Ann Barbara, Mary Barbara, Lorraine Barg, Steve Barney, Jason Bathauer, Barry Baughier, Michael Baumkirchner, Jennifer Beaton, Natacha Beauboeuf, Brad Beck, Marguerite Beirne, Tom Bell, Lajuanda Bell, Dinah Bellis, Regina Bello, Jim Berger, Adam Bergonzi, Beth Berman, Paul Bernier, Gerry an, Amy Brown, Jay Brown, Kevin Brown, Taresha Bryant, Karen Brylle, Neil Budnick, Mark Bunyea, Joe Buonadonna, Danny Burdiez, Nicole Byrd, Christine Calvao, Jason Cameron, Lisa Campbell, Lori Candarelli, Lisa Carinha, Linda Carpenter, Bill Carson, Adam Carta, Bill Carta, Mike Castracan, Judy Cavino, Jason Celente, Kevin Cerutti, Chris ce Clark, Robyn Clarke, Miriam Cleary, Tom Cochran, William Cody, Robert Cole, Madelyn Coleman, Rosemaria Collorafi, Jeffrey Concepcion, Steve Cooke, Brian Cooney, Christie Corbett, Marti Correa, Cliff Corso, Irene Cortez, Jonathan Costello, Kenneth Couch, Thomas Cousins, David Craparo, Celinda Creighton, Jim Cronin, Ian Crooke, David Laura DeLena, Carole Delorme, Nils Demme, Maureen Denyssenko, Lauren Desharnais, Charles Deutsch, William DeVane, Tom Devine, Ed DeVito, Jamie Di Orio, Greg Diamond, James DiChiaro, Wendy Dinsmore, Sharon Dittrich,MBIA Andrew Dixon, Michelle Annual Dixon, Stephen Dixon, Christie Report Dixon, Everlena Dolman, 2004 Adriana Dominguez, Michelle Ferguson, Gregg Ferguson, Nick Ferreri, Denise Feulner, Peter Fiala, Claus Fintzen, Sara Fischer, Anna Fischetti, Minnie Fitchben, Rosanne Fleury, Barbara Flickinger, Kimberlee Florin, Mary Flynn, Jesse Fogarty, Alison Fong, Karen Foxhall, Carol Fraundorfer, Dan Frisch, Max Gabriel, Julie Galante, Theodore Galgano, Rich Garay, James Garelick, Greene, Aeneas Griffin, Jin Gu, Marsha Gumbs, Deirdre Guppy, John Hall, Traci Hall, John Hallacy, Steve Halpert, Christina Halvorsen, Doug Hamilton, Christine Hammond, Joanne Han, Melanie Haniph, Bret Harmon, Roger Harris, Andre Harris, Donald Harrison, Dana Hartman, Emete Hassan, Eugene Havel, Oddette Haynes, Bob Heller, Irene es, Ahmed Ibrahim, Felicia Ivey, Rosalie Jackson, Lynn Jacobs, Lori Jalomo, Liz James, Ed Janson, Douglas Jensen, Janet Johnson, Adrian Jones, Joanne Jontz, Michael Joos, John Jordan, Tom Jordan, Deirdre Jordan-Coleman, Chris Jumper, Esther Kain, Maria Kang, Una Kearns, Liz Keese-Blasius, Rosemary Kelley, Brian Kelly, Patrick Kelly, kin, Corinne Larson, Andy Laterza, Linda Latta, Gaddi Layden, Beatrice Le, Leon Leborgne Jr., David Lee, Jackie Lee, Jae Lee, Michael Lee, Poh Choo Lee, Andrew Leggio, Hannes Leifsson, Jane Lence, Jim Lennon, Lynn Leone, Maria Levin, Larry Levitz, Shella Lieberman, John Lilly, Sonya Linder-Silidjian, Linda Lindh, Eleanor Lipsey, Sandra n, Amy Mauer-Litos, Thomas Mauk, Eric McAlley, Lisa McCall, Ellen McCarthy, Shaun McClelland, David McCollum, Martin McDermott, Jean McGovern, Noeleen McGovern, Jim McGrane, Tim McKeon, Anthony McKiernan, Tom McLoughlin, Linda McManus, Sadie McSwain, Jennifer Melle, Eugenio Mendoza, Ani Mensuroglu, Graham Metcalf, y, Stephen Murray, Theresa Murray, Michael Murtagh, Joan Musselbrook, Brenda Narayan, Salvatore Narciso, Dan Nash, Eric Neglia, Bob Nevin, Julie Ng, Deb Nickel, Ann Nicoletti, Laurie Nicoletti, Stig Nielsen, Petya Nikolova, Mike Norris, Oliver North, Gerhard Oberholzer, Gonzalo Obregon, Michael O'Brien, Frances Ochoa, Lauren Oliaro, Pat ndrew Porges, Scot Post, Cynthia Praschnik, Andrea Preftes, Bevin Presutti, Daniel Primavera, Armand Principato, Clifford Pritchard, Christopher Przymylski, Jim Pugh, Binu Punnoose, Kerrie Radoor, Beverly Raine, Ed Rajsteter, Andrea Randolph, Kathleen Reagan, Kevin Regan, Christopher Reid, Chip Reilly, Sue Reilly, David Rey, Loretta Rivera, , Eric Savino, Kristie Scafidi, Colleen Scaglione, Steve Scanlan, Joe Schachinger, Tom Scherer, Laura Schneider, Patrick Scott, Louie Sedano, Lawrence Selik, Joe Sevely, Sherman Sham, Steven Sherman, Roger Shields, Cheryl Sholl, Abhishek Shukla, Carol Siefermann, Patricia Sielengiewicz, Kara Silva, Kevin Silva, Don Simon, Rebecca Simonian, n Strayer, John Sulin, Phil Sullivan, Jane Sun, Kalyani Sundaram, Suhrid Swaminarayan, Dave Sweet, Richard Talmadge, Greg Tarrant, Tricia Taxter, Carrie Taylor, Joanne Taylor, Amber Taylor, Juliet Telford, Eva Thein, Helen Thomas, Susan Thomas, Laura Thorne-Trawinski, Thomas Tight, James Tilkes, Laura Tirado, Carrie Toomey, Rosanna Traina, f Wark, Randy Warman, Antoinette Watson, Neil Waud, Carl Webb, Chris Weeks, Debbie Weeks, Irene Weidelman, Nancy Weiss, Ram Wertheim, Rebecca Werther, Linda Wessel, Ellen West, Ruth Whaley, Lori White, James Whitford Jr., Bettina Whyte, Charlie Williams, Eric Williamson, Dave Wilson, Henry Wilson, Dave Witthohn, Raymond o, John Antonazzo, Gina Antonelli, Ana Areal, John Ariola, George Armonaitis, Craig Armstrong, Errol Arne, Linda Artis, Suresh Arumilli, Greer Avery, Dan Avitabile, Judy Baiocco, Michael Ballinger, Frances Banuelos, Ann Barbara, Mary Barbara, Lorraine Barg, Steve Barney, Jason Bathauer, Barry Baughier, Michael Baumkirchner, Jennifer Beaton, m Boeheim, David Boisselle, Lisa Boland, Keith Borelli, Terry Bowens, Fiona Brady, David Brancale, Marty Braunstein, Melissa Brice-Johnson, Nelly Briggs, Pat Brosnan, Amy Brown, Jay Brown, Kevin Brown, Taresha Bryant, Karen Brylle, Neil Budnick, Mark Bunyea, Joe Buonadonna, Danny Burdiez, Nicole Byrd, Christine Calvao, Jason Cameron, Choyke, David Christiansen, Deirdre Christiansen, Len Chubinsky, Lili Chueng, Lori Church, Stephanie Ciavarello, JoAnne Ciralli, Steve Citron, Robert Claiborne, Joyce Clark, Robyn Clarke, Miriam Cleary, Tom Cochran, William Cody, Robert Cole, Madelyn Coleman, Rosemaria Collorafi, Jeffrey Concepcion, Steve Cooke, Brian Cooney, Christie Daniels, John Dare, Paul David, Gary Davis, Leslie Davis, Joshua Davis, Suzanne Davis, Michael de Nigris, Emmanuel Deblanc, Joanne DeGennaro, Sandy DeKoubia, Laura DeLena, Carole Delorme, Nils Demme, Maureen Denyssenko, Lauren Desharnais, Charles Deutsch, William DeVane, Tom Devine, Ed DeVito, Jamie Di Orio, Greg Diamond, on, Tressa Earl, Scott Eckman, Teri Eckman, Barbara Edelmann, Gay Eichhoff, Bruce Ely, Jeff Esraelian, Lori Evangel, Felicia Fanelli, Carl Favelukes, Sharon Fera, Emily Ferguson, Gregg Ferguson, Nick Ferreri, Denise Feulner, Peter Fiala, Claus Fintzen, Sara Fischer, Anna Fischetti, Minnie Fitchben, Rosanne Fleury, Barbara Flickinger, Kimberlee lly Goldberg, Sandy Goldstein, Amy Gonch, Roberto Gonzalez, Esther Gonzalez, Andrew Goodale, Michael Goss, Jen Gosselin, Kirby Gravance, Kelli Greene, Robert Greene, Aeneas Griffin, Jin Gu, Marsha Gumbs, Deirdre Guppy, John Hall, Traci Hall, John Hallacy, Steve Halpert, Christina Halvorsen, Doug Hamilton, Christine Hammond, Joanne Patricia Howell, Barry Howsden, Peter Hughes, Garth Hughes, Scott Hughes, Roz Hume, Travis Humphries, Tim Hunt, David Huntley, Christina Hwang, Brian Hynes, Ahmed Ibrahim, Felicia Ivey, Rosalie Jackson, Lynn Jacobs, Lori Jalomo, Liz James, Ed Janson, Douglas Jensen, Janet Johnson, Adrian Jones, Joanne Jontz, Michael Joos, John Michael Knopf, Megan Korson, Kathy Kruse, Nick Krzemienski, Linda Labelle, Matt Lagana, Richard Langberg, Rosalie Langschultz, Cara Sue LaPicola, Cheryl Larkin, Corinne Larson, Andy Laterza, Linda Latta, Gaddi Layden, Beatrice Le, Leon Leborgne Jr., David Lee, Jackie Lee, Jae Lee, Michael Lee, Poh Choo Lee, Andrew Leggio, Hannes ancia, Joanne Mancuso, Paul Mansour, Huriya Manzar, Sabina Marino, Anne Marquart, Angel Martin, Anel Martinez, Yvette Martinez, Maryann Martini, Samira Mattin, Amy Mauer-Litos, Thomas Mauk, Eric McAlley, Lisa McCall, Ellen McCarthy, Shaun McClelland, David McCollum, Martin McDermott, Jean McGovern, Noeleen McGovern, Jim Michael Morrell, John Morris, Marc Morris, Nancy Moua, Sudip Mukherjee, Imelda Muniz, Cindia Munoz, Michael Murphy, Thomas Murphy, Cathleen Murray, Gerry Murray, Stephen Murray, Theresa Murray, Michael Murtagh, Joan Musselbrook, Brenda Narayan, Salvatore Narciso, Dan Nash, Eric Neglia, Bob Nevin, Julie Ng, Deb Nickel, Ann ercio, Giri Pawar, Alan Pearlman, Roger Pearson, Gerald Peeler, Charlie Pena, Art Perlowitz, Nik Petrika, Ian Petrillo, Gillian Pettit, Amelito Pilande, Pascale Pinte, Eric Popejoy, Andrew Porges, Scot Post, Cynthia Praschnik, Andrea Preftes, Bevin Presutti, Daniel Primavera, Armand Principato, Clifford Pritchard, Christopher Przymylski, Jim Pugh, mans, Eric Rosensweig, Ted Ruddock, Christina Rundbaken, Stacey Russell, Steven Ruterman, Chris Ryff, Tom Saccardi, Shari Sacks, Nazima Saleem, Ridwan Sasmita, Jessica Sato, Eric Savino, Kristie Scafidi, Colleen Scaglione, Steve Scanlan, Joe Schachinger, Tom Scherer, Laura Schneider, Patrick Scott, Louie Sedano, Lawrence Selik, Joe ula Solimine, Jeny Song, Jocelyn Songco, Mitchell Sonkin, Lori Soper, Donna Soto, Victor Soto, Nick Sourbis, Lisa Spano, Chris Staab, Matthew Starr, Robin Steward, Judy Stone, Karleen Strayer, John Sulin, Phil Sullivan, Jane Sun, Kalyani Sundaram, Suhrid Swaminarayan, Dave Sweet, Richard Talmadge, Greg Tarrant, Tricia Taxter, Carrie Taylor, , Frank Venuti, Maria Vero-Magnan, Ines Vieira, Pamela Vieira, Ronnie Vilardo, Joan Vita, Sue Voltz, Karen Wagner, Todd Wall, Jeannine Walpole, Maggie Walsh, Rich Walz, Jing Wang, Jeff Wark, Randy Warman, Antoinette Watson, Neil Waud, Carl Webb, Chris Weeks, Debbie Weeks, Irene Weidelman, Nancy Weiss, Ram Wertheim, Rebecca e Zureiqi, Deborah Zurkow, Pat Abt, Connie Accordino, Neil Ackerman, Joseph Adelizzi, Asli Aksuyek, Seth Albert, Angelique Allen, Mike Alter, Nancy Andreassi, Peter Andreou,
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  • Facebook: the New Town Square

    Facebook: the New Town Square

    [MACRO] PUETZ_FINAL_4.11.2015 (DO NOT DELETE) 4/11/2015 9:24 PM FACEBOOK: THE NEW TOWN SQUARE I. INTRODUCTION Once only a part of science fiction and the imagination, the idea of a virtual community is now a reality.1 The question, however, is how the First Amendment applies to this new reality.2 Centered on self-expression and the sharing of content,3 social networking sites (SNS) are now one of the strongest avenues for self-expression and are dependent upon freedom of speech.4 Since SNS exploded onto the technology scene in the late 1990s, people have flocked to them, and they have become increasingly prevalent.5 Of the SNS available, Facebook has become far and away the most popular.6 In fact, Facebook has become so well-liked and so important in 1. Peter Sinclair, Freedom of Speech in the Virtual World, 19 ALB. L.J. SCI. & TECH. 232 (2009). 2. U.S. CONST. amend. I (“Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.”). 3. Social Networking, Investopedia, http://www.investopedia.com/terms/s/social- networking.asp (last visited Oct. 12, 2014). 4. Pialamode314, Web Event 1: Self-Expression and Gender Identity on Facebook, SERENDIP STUDIO (Oct. 05, 2013, 1:07 PM), http://serendip.brynmawr.edu/exchange/critical- feminist-studies-2013/pialamode314/web-event-1-self-expression-and-gender-identity-facebook (noting that people use Facebook to express themselves, and have “freedom to customize their Facebook profiles to portray the person they believe themselves to be, or aspire to be .