Home / Daily Dose / U.S. Supreme Court Weighs in on Ticking FDCPA Timer Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, News, REO January 8, 2020 2,406 Views Share Save Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Print This Post Demand Propels Home Prices Upward 2 days ago U.S. Supreme Court Weighs in on Ticking FDCPA Timer Tagged with: Collection debt FDCPA Collection debt FDCPA 2020-01-08 Seth Welborn In Rotkiske v. Klemm, 2019 U.S. LEXIS 7521, the United States Supreme Court resolved a dispute between the federal appellate circuits regarding when the statute of limitations begins to run under the Fair Debt Collection Practices Act (FDCPA or Act).A statute of limitations is the amount of time permitted to bring a particular court action—in other words, it’s the ticking timer. Typically, once that countdown ends, or in legal terms, the limitations period expires, the right to sue expires along with it.The FDCPA, which is a federal Act designed to keep debt collectors in-check, permits suits “within one year from the date on which the violation occurs.” 15 U.S.C. §1692k(d). Although this language appears to be rather clear-cut, in law, shadows can often be created out of seemingly transparent passages.In Mangum v. Action Collection Serv, Inc., 575 F.3d 925 (9th Cir., 2009), the Ninth Circuit Court of Appeals held that all federal statutes of limitation, including the FDCPA’s, begin to run “when the plaintiff knows or had reason to know of the injury.” Id. at 940. This rule, otherwise known as the discovery rule, sets the clock to begin ticking only upon the detection, rather than the occurrence of the violation, despite the contradicting language of the FDCPA itself, thereby greatly expanding the timeframe to litigate for many possible suits.However, in a later case, the Third Circuit Court of Appeals declined to follow this path, reiterating that the FDCPA statute of limitations runs from “the date on which the violation occurs.” Rotkiske v. Klemm, 890 F.3d 422 (3rd Cir., 2018.) In doing so, the Court directly rejected the Ninth Circuit’s approach and refused to apply a broad discovery rule to all federal limitations periods.To silence its squabbling children, the U.S. Supreme Court agreed to weigh-in—legally phrased as granting certiorari to resolve an appellate conflict—and deemed the Third Circuit the victor. The Court held that “[t]he FDCPA limitations period begins to run on the date the alleged FDCPA violation actually happened. We must presume that Congress ‘says in a statute what it means and means in a statute what it says…’” Rotkiske v. Klemm, 2019 U.S. LEXIS 7521, *8. In appearing to chastise the Ninth Circuit, the High Court went on to state that “[i]t is not our role to second-guess Congress’ decision to include a ‘violation occurs’ provision, rather than a discovery provision…[w]e simply enforce the value judgments made by Congress.” Id. at *10.However, a door to widening the limitations period was left distinctly ajar, as the Supreme Court carefully stated that it was not deciding whether the application of “equitable doctrines” would be permissible. According to the Court, this issue wasn’t properly presented, and therefore wouldn’t be determined. Nonetheless, the Court distinctly acknowledged the existence of something known as the “fraud discovery rule.” Id. at *11.The fraud discovery rule, a close cousin to the similarly worded ‘discovery rule,’ states that “where a plaintiff has been injured by fraud and remains in ignorance of it without any fault or want of diligence or care on his part, the bar of the statute [of limitations] does not begin to run until the fraud is discovered.” Id. at *13-14. More simply stated, under the fraud discovery rule, a delayed clock start time is permitted when fraud exists.In dissent, Justice Ginsburg, although agreeing with the Supreme Court’s disallowance of the general discovery rule, argued that the fraud discovery rule was properly presented and should have been ruled upon. Moreover, she stated that she would have held that “the [fraud discovery] rule governs if either the conduct giving rise to the claim is fraudulent, or if fraud infects the manner in which the claim is presented.” Of course, fraud allegations must typically be pled with particularity, so specific facts regarding the fraud would still be needed.Regardless, absent allegations of fraud, it’s now clear that the ticking timer for FDCPA suits really does begin on the date of the violation, just as the FDCPA dictates, which finally brings long-awaited certainty to the interpretation of already definitive language. Lauren Riddick handles contested foreclosure matters as a member of the Codilis & Associates, P.C.’s Contested Litigation Unit and also assists with title matters. She joined the firm in August 2013. Prior to joining the firm, she was an Adjunct Professor of Law with several colleges and a Securities Attorney for a large broker-dealer in Florida. Riddick is a member of the Illinois and Florida Bar Associations. She received her Juris Doctor in 2001 from the University of Florida Levin College of Law, and her Bachelor of Science in 1998 from the University of Florida. Previous: Navigating Opportunity Zones Investment Regulation Next: Wells Fargo Names New Risk Officer Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago About Author: Lauren Riddick The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Subscribe
There will be exclusive ticket presales for all dates, to those who are signed up to the band’s official mailing list. You can sign up here. The presales for the U.K., Germany, and Poland shows begin tomorrow, Tuesday, February 27, at 12 p.m. GMT (7 am EST). Presale info for the Irish, French, and Czech shows has yet to be announced. For all ticket presale and general on-sale information, head here. Check out a full list of 2018 No Filter tour dates below:The Rolling Stones 2018 “No Filter” European TourMay 17 – Croke Park, DublinMay 22 – London StadiumJun 05 – Old Trafford, ManchesterJun 09 – Murrayfield Stadium, EdinburghJun 15 – Principality Stadium, CardiffJun 19 – Twickenham Stadium, LondonJun 22 – Olympiastadion, BerlinJun 26 – Orange Velodrome, MarseilleJun 30 – Mercedes-Benz Arena, StuttgartJul 04 – Letnany Airport, PragueJul 08 – PGE Narodowy Stadium, Warsaw Today, rock icons The Rolling Stones announced a new swath of stadium gigs in Europe set to take place this summer. The new dates come as an addition to 2017’s No Filter tour, which saw the band perform a run of European shows in September and October. The 2018 leg of the No Filter tour marks the band’s highly anticipated return to their native United Kingdom for the first time in 5 years. As The Guardian notes, the last time the Stones performed in their home country was summer 2013 when they headlined Glastonbury in addition to staging two shows of their own at Hyde Park. The 2018 leg of the No Filter tour will keep the Rolling Stones on the road from the end of May through the beginning of July, making a stop roughly once every 5 days.The newly announced 11-date run will begin at Dublin, Ireland’s famous Croke Park on May 17th (their first Irish performance in 5 years, as well). From there, the tour will continue to the U.K., stopping in London (London Stadium), Manchester (Old Trafford Football Stadium), Edinburgh (BT Murrayfield Stadium), and Cardiff (Principality Stadium) before heading back to London for a performance at Twickenham Stadium.After the U.K. portion of the run, The Rolling Stones will head to Berlin, Germany (Olympiastadion), followed by a performance at Orange Velodrome in Marseille, France. Next, the band will head back toward Germany for a show at Mercedes-Benz Arena in Stuttgart, before rounding out the tour with early-July performances at Letnany Airport in Prague, Czech Republic, and at PGE Narodowy Stadium in Warsaw, Poland. You can watch the tour announcement video below via The Rolling Stones’ socials:
Police arrested a Belle Glade woman who is accused of burglarizing multiple medical marijuana businesses in Palm Beach County.Palm Beach County Sheriff’s Office spokeswoman Teri Barbera said at 3 a.m. around 30 individuals burglarized the Miracle Leaf medical marijuana business located at 100 Sansbury Way.Police said a group fled the scene of a burglarized medical marijuana dispensary .Deputies were able to stop one of the vehicles involved in the case, which was driven by Nakeria Harris, 24, of Belle Glade.PBSO said Harris confessed to being involved in multiple business burglaries including the Miracle Leaf dispensary. They also found more than $600 worth of products belonging to Miracle Leaf.Harris was arrested Monday morning and was booked at the Palm Beach County Jail.
23 Mar 2016 Family feeling as sisters play for England There was a family feeling today when an England U21 women’s team teed up against France at St Cloud, with two sisters in the side. It was the first time that Lianna and Annabel Bailey had played in same England team – and they joked that they could soon be joined by more sisters. “We’ve got more on the way,” laughed Annabel, 17. She and Lianna, 19, have two younger sisters: Jessica, 15, who plays off two, and 12-year-old Ellie, whose handicap is around 20. Then there’s their brother, 11-year-old George, who has a junior handicap. What’s more, they’re all taught by their father, Ian, a PGA professional. “We’re a really close family,” added Annabel, a scratch golfer from Kirby Muxloe Golf Club in Leicestershire. She’s played for England before – notably helping to win the girls’ Home Internationals last autumn. But Lianna was playing in her first England team event and she commented: “It’s a big moment, it’s good.” She explained that sisterly support outweighs rivalry. “There’s a bit of both, but it’s more supportive. We both want each other to do well, but there’s the sisterly competition as well,” said Lianna, who has a handicap of plus-two. “We’re always pleased for whichever of us has done well. In Spain Annabel didn’t make the cut so she caddied for me in the matchplay. Today I finished my match before her and went out to caddy for her.” Today, the sisters were joined in the team by Sammy Fuller (Roehampton) Eloise Healey (West Lancashire), Sophie Lamb (Clitheroe) and Bel Wardle (Prestbury). The match, a warm-up for the French U21 women’s championship which starts tomorrow, was won by France 4-2. England’s points were provided by Sammy Fuller who won 5/3 and by Bel Wardle who holed an eight-footer to win on the last. The French players had the edge on the greens today but Annabel commented: “It was a good warm-up and a good way to get into the competitive mindset.” Caption: (from left) Bel Wardle, Eloise Healey, Annabel Bailey, Lianna Bailey, Sophie Lamb and Sammy Fuller.
JOCKEY QUOTES MIKE SMITH, DANZING CANDY, WINNER: “He warmed up great, he was on his toes. Our game plan was to put him on the lead unless he didn’t jump out of there well. We didn’t want to experiment. We wanted to play our hand, right off the bat. Let’s go to the lead and if they want to go with us, we’ll be probably be going too fast and if that’s the case, that’s the case. We were going to worry about it next time.“We did it. I left there very aggressive and he didn’t get away with anything. If you go twenty-two on this track today, you’re smokin’. And for him to hold off the caliber of horses he held off, was very impressive.“In the mornings we’ve been schooling with him and it doesn’t seem to be bothering him at all. I was pretty impressed with the caliber he showed today and the numbers that he put up. He’s flashy in the afternoon. He’s so easy on himself in the mornings and that’s a good thing. If he was a bit too aggressive in the morning it would probably take its toll on him.“He’s a big horse. He’s still carrying a lot of flesh on him. There’s room to trim him down as we get closer to the Derby and we’re doing it little by little. He’s handling everything. He’s a big, beautiful horse and he’ll start tucking up as we get closer.“We don’t do much with him. There’s room to tighten those screws, tighten him up.” KEITH DESORMEAUX, EXAGGERATOR, THIRD: “He ran nice and steady. They were quick the first part of the race. He was sitting chilly and relaxed. I loved the way it set up, but he didn’t finish. I would like to think he’ll move forward off of this. He might be maxing out at a mile, too. That’s what’s going through my mind right now. But we’ll stay here for the Santa Anita Derby, try them again and try and prove me wrong.” NOTES: The winning owners are Ted Aroney (Halo Farms) of Carlsbad and Jim and Diane Bashor of La Jolla. The victory was worth 50 Kentucky Derby qualifying points. Second was worth 20; third, 10; and fourth, five. 2/2/2/2 TRAINER QUOTES BOB BAFFERT, MOR SPIRIT, SECOND: “He ran well. The horse that won is a pretty good horse. I wanted to run first, second or third. He’s coming on. A mile and an eighth will be more to his liking, but he got a lot out of it today. I’m happy with the way he went and we’re learning more about him. He’ll stay here for the Santa Anita Derby.” -more- CLIFFORD SISE JR., DANZING CANDY, WINNER: “I expected him to be on the lead. We didn’t want to experiment in this race. Mike (Smith) just said, ‘I’ll let him come out the first few jumps and if he’s there, he’s there. If somebody sends, he’ll sit second.“He left much better today. He’s good now. We’ll stay for the Santa Anita Derby ($1 million, Grade I, 11/8 miles April 9). He’s three for three on this track. Why would we change now? I don’t see any reason to, but you never know. You’ve got to leave that up to the owners.” TED ARONEY, PART-OWNER, DANZING CANDY, WINNER: “I won’t make reservations (for the Kentucky Derby May 7) until the last minute! I had Hear the Ghost back in 2013. He won the San Felipe and was the favorite going into the Santa Anita Derby. I made my reservations too early and then we didn’t run (due to a minor knee injury) and they wouldn’t give me my money back! I made my mind up that I won’t be making any reservations this year!“I’m so excited with the way he ran today. I was disappointed after his first race but then his second and third race showed us how game he is. He gets to the lead and he’s so game. The whole thing today was not to experiment. If you have a speed horse you don’t want to experiment now. He’s got a front-running style that we didn’t want to experiment with and Mike bought into that. If we want to, we’ll leave that for later.” GARY STEVENS, MOR SPIRIT, SECOND: “I’m super happy, because he was way too keen in the early part of the race – he was really fresh, hasn’t run for a while. He was super sharp. As I was coming into the lane, I knew I wasn’t going to catch the winner, but I knew we had to get some (Kentucky Derby) points here. I like where we’re sitting for the Santa Anita Derby. I lost a battle today, but I like our position. Bob (Baffert) was happy, so I’m happy. We got a lot out of today’s race. He’ll settle a little better for me in the Santa Anita Derby.” -30-
29 October 2004The development of industry-specific black economic empowerment (BEE) charters in South Africa is an on-going process. However, charters have alread been developed for several sectors key sectors, including mining, the petroleum and martime sectors, tourism and financial services. Mining charter Petroleum and liquid fuels industry charter Maritime charter Tourism charter Financial services charter An empowerment framework for the country’s agricultural industry has also been launched, charters on BEE in the transport, construction and wine industries – as well as the tourism BEE scorecard – are due for completion by the end of 2004, and work has started on charters for the health and cosmetics sectors.Each charter is tailored to suit a particular industry, the charters generally stipulate a target of 25% black ownership over the next 10 years.“When we achieve that goal by 2014, we will have substantial levels of empowerment in the economy of about 25 to 30 percent”, Department of Trade and Industry director-general Lionel October said recently. “That is the critical mass one needs to create a non-racial and de-racialised economy which can grow on a sustainable basis.”Mining charterThe vision behind the country’s mining charter is to achieve a globally competitive mining industry that can benefit all South Africans. It is an important development in a sector historically dominated by white capital and profiting off the cheap labour provided by a disempowered black majority.The stated goal of the charter is to “create an industry that will proudly reflect the promise of a non-racial South Africa”. One of its key objectives is to achieve 26% ownership of mining companies by previously disadvantaged people within the next 10 years.The charter provides a framework to help mining companies comply with the Mineral & Petroleum Resources Development Act, which obliges mining companies to promote black economic empowerment when applying for new mineral rights or converting current rights.A key component of the charter is the mining scorecard, which provides a framework for measuring the BEE process in the sector.The scorecard has three core elements: direct empowerment through ownership and control of enterprises and assets; human resource development and employment equity; and indirect empowerment through preferential procurement and enterprise development. Mining sector charterMining scorecardOverview of main pointsMineral & Petroleum Resources Development Act Financial sector charterThe financial charter has been developed by the sector as a whole, representing banks, insurers, black business, fund managers and brokerage firms.The charter is a voluntary commitment agreed on unanimously by 10 industry associations. Signatories to the charter believe it will be a key driver of sustainable growth, redressing social and economic inequities in the country and broadening the skills and asset base of the whole economy.The charter provides for significant increases in black ownership, management and skills development over the next 10 years. It emphasises the need for procuring services from black businesses in the sector and fostering new and developing BEE firms through joint ventures, skills transferral and infrastructural support.The charter constitutes a policy framework for the future development of the industry, and is expected to underpin sound business practices and maintain the strength and stability of the financial sector as a whole.In September 2004, Finance Minister Trevor Manuel announced the establishment of a 21-member council to review and monitor the implementation of the goals set out in the charter. Financial sector charterFinancial sector scorecardCouncil to monitor finance charter ICT CharterA working group formed by companies in SA’s information and communications technology (ICT) sector has released its final draft of an empowerment charter for the industry – and says the charter will come into force in late 2005.The charter takes into account extensive input from the country’s ICT community, and includes the much-anticipated targets for BEE in the sector. ICT industry finalises BEE charter Agriculture BEE frameworkAgriculture Minister Thoko Didiza launched an empowerment framework for South Africa’s agricultural industry in July 2004.The AgriBEE framework document addresses issues unique to agriculture, including land reform, seeking to deracialise land ownership and control in SA and to develop initiatives to help black South Africans to own, establish, or participate in agricultural enterprises.The framework proposes various targets, including 30% black ownership of agricultural land by 2014, as well as making a further 20% of agricultural land available to black people through leaseholds.“We also propose that an amount of land be made available for use by farm workers in order to address issues of poverty alleviation as well as creating opportunities for small, medium and micro enterprise development within this sector”, the minister said.A steering committee will be set up to consult and share information about the framework, and to present a final report to the government by November 2004. AgriBEE framework for agriculture Transport, construction, wine, tourism, health, cosmeticsThe Department of Trade and Industry says that charters on black economic empowerment in South Africa’s transport, construction, and wine industries are due for completion by the end of 2004, while work has started on charters for other industries, including the health and cosmetics sectors.“We hope to have one overall charter for the health industry, which encompasses the pharmaceutical sector, care providers and retail”, DTI director-general Lionel October said, adding that BEE in the health sector would seek to ensure expanded access to quality health care for both the public and private sectors.In May, Environmental Affairs and Tourism Minister Marthinus van Schalkwyk said his department would finalise its BEE scorecard for SA’s tourism industry by the end of 2004. Charter to improve healthcareCharter for construction industryBEE plan for cosmetics sector SouthAfrica.info reporter
Lead image courtesy of Shutterstock. Other photos courtesy of App.net What’s Wrong With Facebook And Twitter?App.net is an idea for a world in which for-profit advertising companies — Facebook, Twitter, Google — are not also verbs that mean “to communicate.” We’ve been led to believe that Facebook and Twitter are media in themselves, that they’re synonymous with what we use them for: talking to each other. But that would be like calling TV “Fox News” or the Internet “Comcast.”Those services have been good enough for most people, but they’re making themselves worse and worse in order to pay the bills. Ads interrupt your conversations, the rules of what’s private and what’s public constantly change, and features we use all the time are moved around to increase “engagement” and other things only advertisers care about. Even Twitter, which started off as a playground for developers making delightful and powerful new user experiences, decided to shut all that down and be an ad company instead.If you don’t think you’d ever pay for a social Web service, indulge me in this thought exercise:What is it worth to you to have an online identity you can use for communication you can control, but which you don’t have to maintain yourself, on your own servers? What is it worth to network and communicate the way we’ve learned to do, but to do so on a service you can leave, no-questions-asked, whenever you want and bring your data with you? What is it worth to you to have a choice over how the apps you use to communicate look and work? Is it worth $3 per month? Well, if you’re not sure, now you can try for a month and see.What You Get When You Join The App.net experiment is hard to understand from the outside, so now you have a chance to check it out risk-free. And for people who are active on the service, key friends who haven’t joined are the biggest missing piece. The gift of a free month of service can help remedy both problems, and it could catalyze another burst of growth for App.net.The launch of Netbot on October 3 drove a huge bump in activity on App.net as tech people saw big-time app developers like Tapbots committing to the App.net platform. According to Caldwell, and in my own experience, that activity level has been maintained.There’s the germ of a real community on App.net of people who care about the value of online social networking but want it to work differently than the ad-riddled, anti-privacy media silos that dominated the last decade.There are tons of great apps, too. I’m a die-hard Tweetbot user on Twitter, and though I love the familiarity of Netbot, I’m now using Felix on my phone, while still using Netbot for iPad. On my Android devices, I’m using Dash, which is first-rate. On the Mac, my preferred client is Wedge, which is still in beta, but it’s had some great updates lately. There are Windows and Linux clients, too. There’s an official directory keeping track of all the clients on all platforms.What’s Missing?There are two things missing from App.net right now. One is private messaging, which is almost here, and App.net has put out a fascinating podcast about how it’s going to work. The other is more users. There are more than 20,000 people on App.net, enough to keep me coming back every day, and it’s almost at the point where I can start leaving other, noisier networks behind. More people using the service will make all the difference.Take a look at the global stream and see if App.net is your kind of place. If you’re interested, anybody already on there can now hook you up with a free month. Read more on the App.net blog.Check out my 30-minute interview with Dalton Caldwell about the future of App.net: App.net announced Thursday that its paying users can invite friends to a trial period of the service in which the first month is free. The number of invitations is limited at first. Now people who interested in an ad-free, community-funded social Web infrastructure can try before they buy.Existing users who are on a yearly plan have “a small number” of invitations in their accounts (click here to view your invitations). The invitation goes out by email, and the recipient must click a link in that message to begin the sign-up process.Trial users do have to enter a credit card, which will discourage frivolous sign-ups. The card will not be charged during the first month, and users can stop payment and cancel their account at any time through their account settings. Still, that’s a barrier that might cause many interested people to hesitate.What’s App.net, And Why Is That Its Name?App.net is what founder Dalton Caldwell likes to call “social infrastructure.” Like Twitter, it’s a service for sending short Web messages, but the business model is completely different. Users pay to access it and have it host their name, profile and payment information, and it provides the pipes — and business incentives — for software developers to build all kinds of apps on it. It has the blandest possible name because it wants to be thought of as a utility company; the exciting things are the APPs on the NETwork, get it?App.net users pay $36 per year (or $5 per month), and developers pay $100 per year for access to the app-making tools. Developers can make money by selling apps on the various app marketplaces, and they also get meritocratic bonuses from App.net itself based on how much users like them.It all creates a virtuous cycle in which people get to pick the communication software that suits them, developers compete to build the best apps, and App.net develops the underlying features and keeps the messages flowing. As Twitter cracks down on the ways software developers can build on the experience, App.net has people happily hacking on social software again. The Dos and Don’ts of Brand Awareness Videos Guide to Performing Bulk Email Verification jon mitchell Tags:#advertising#App.net#Messaging Services#twitter Related Posts Facebook is Becoming Less Personal and More Pro… A Comprehensive Guide to a Content Audit
Leicester to offer fans free beer and mince pies after traumatic yearby Paul Vegas10 months agoSend to a friendShare the loveLeicester City have told fans they have them covered for Boxing Day.Fans will be handed free beer and mince pies ahead of Leicester City’s game against Manchester City on Boxing Day, the club has announced.The gesture from the Foxes is a show of appreciation for the support the fans have shown in one of the most traumatic years in the club’s history.Owner and chairman Vichai Srivaddhanaprabha was tragically killed in a helicopter crash outside the King Power Stadium in October.And at the end of tragic 2018, the club are planning a host of activities before the 3om kick-off.There will be a Fan Village set up opposite the Foxes Fanstore.It will include a live band, fairgrounds rides and face painting for families between 12pm and 3pm. About the authorPaul VegasShare the loveHave your say
TagsTransfersAbout the authorPaul VegasShare the loveHave your say Kenyon: Man Utd paying for dumping Mourinhoby Paul Vegasa month agoSend to a friendShare the lovePeter Kenyon says Manchester United should never have replaced Jose Mourinho with Ole Gunnar Solskjaer.The Reds struggled to see off Rochdale, 17th in League One, in the Carabao Cup on Wednesday night, progressing eventually on penaties.Solskjaer’s side were also widely condemned after being humiliated in the Premier League last Sunday, losing 2-0 at West Ham . They now face a tough test against a confident Arsenal side. Former United chief Kenyon said: “If you put me in charge of a great club and you needed to appoint a manager, my first thought would be José Mourinho.“He’s intelligent, he’s relevant and has vast experience. He isn’t outdated. I just think he needs the right club. I’m sure that you’ll see Mourinho be a part of a great club again.”He added: “The key is to give him the adequate structure and organisation to make sure he’s a part of everything.“I was the first to express my disappointment when he left United because I think he could have been a part of that great leadership structure.“No one better than him knows what United represents. José is far from being an irrelevant and outdated manager.”
When you’re 16-11 overall and facing a 12-16 conference opponent, sometimes you have to get creative to attempt to draw fans. That appears to be what TCU is doing for tonight’s game against Texas Tech. The Horned Frogs are offering free beach tank tops to the first 200 students to show up at Wilkerson-Greines Athletic Center for the “Beach Bash.”Are there even any palm trees in the Fort Worth area?