Goldman Sachs recently released its "Hedge Fund Trend Monitor," a massive report detailing the fourth quarter investment moves made by the world's biggest hedge funds.

The report included a list of "most concentrated" stocks.  These are the companies for which huge shares of their outstanding stocks are owned by hedge funds.

Goldman found that these stocks tend to do very well in upward trending markets, but they also do poorly in downward trending ones. From the report:

The “most concentrated” stocks lagged for most of 2007 and 2008, but significantly outperformed in 2009 (81.4% vs. 26.5%) and 2010 (15.9% vs. 15.1%). Our “most concentrated” basket underperformed the S&P 500 by 391 bp in 2011 (-1.8% vs. 2.1%) but outperformed by 814 bp in 2012 (24.1% vs. 16.0%).

We pulled the 20 stocks with the largest hedge fund ownership stakes according to Goldman's report. All stocks listed have between 19-36% of their outstanding shares owned by hedge funds. We also included the names of the five hedge funds with the largest stakes.

20. Legg Mason

Ticker: LM

Sector:
Asset management and custody banks

Percentage owned by hedge funds: 19%

4Q Return: 5%

YTD Return: 11%

Major Owners:
Trian Fund Management LP: 12.9 million shares
Greenlight Capital Inc: 3.4 million shares
Citadel Advisors LLC: 1.3 million shares
Levin Advisors Strategies LP: .9 million shares
QVT Financial LP: .8 million shares 

19. Apollo Group

Ticker: APOL

Sector:
Education services

Percentage owned by hedge funds: 19%

4Q Return: -28%

YTD Return: -8%

Major Owners:
Pzena Investment Management LLC: 7.1 million shares
Citadel Advisors LLC: 2.5 million shares
Bridgewater Associates LP: 1.8 million shares
AQR Capital Management LLC: 1.1 million shares
Two Sigma Investments LP: .8 million shares 

18. Family Dollar Stores

Ticker: FDO

Sector:
General merchandise stores

Percentage owned by hedge funds: 19%

4Q Return: -4%

YTD Return: -13%

Major Owners:
Trian Fund Management LP: 9 million shares
Maverick Capital Ltd.: 4.2 million shares
Highfields Capital Management: 1.5 million shares
Pennant Capital Management LLC: 1.4 million shares
Renaissance Technologies Corp: 1 million shares 

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There's no shortage of alternative calendar apps for your iPhone.

They run the gamut from free to pricey and clunky to elegant.

But a new calendar app, Sunrise, combines the best of these – it's free, but it's also easy to use, combining with your Facebook and Google calendars, while looking flashy at the same time.

Check it out in the App Store.

Here's how it works.

Tap the app the start it up

Pair it with your Facebook account to automatically sync your friends' birthdays and Facebook events

Tap OK to give the app permission to access Facebook

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Lost in the apocalyptic talk about automatic $50 billion cuts to the military is the simple fact that there is plenty of fat to cut.

Starting with some of the more bombastic weapons programs: it cost the Pentagon $400 billion just to research and develop the F-35, a plane that currently can't even fly.

Surely, with a nip here and a tuck there, the Pentagon can find its way without starving to death.

Good lord, stop paying for F-35s — savings over ten years *chah-ching* $472 billion.

The U.S. needs to cut 500 of those from the defense budget over ten years. The Pentagon plans to buy roughly 2,400 F-35s. At a cost of 200 million per (without including research and development costs which would push it to 300), the total program comes to almost all of what the the government needs to trim.

The stricken bird, however, has few friends, all of them powerful. The plans to buy the plane won't likely be cut for a few reasons, all of them having to do with money (national defense is of little concern).

Like most defense projects, the F-35 has 1,300 suppliers in 45 states, and accounts for 133,000 jobs — which also makes it politically expedient for dovish Democrats in F-35-supplier districts to vote "no" on cutting the program.

Cut the hideous Littoral Combat Ship.

Aside from being ugly, it should be cut because its terrible. The military doesn't even expect it to survive in combat.

The ship's price tag is an incredible 460 million per (on the low end). Multiply that by 20, the amount of orders, and we have about 9 billion in savings.

Cut the M1 Abrams Tank ... completely.

No one's fought a serious tank battle in decades, and it's likely that no one ever will again.

Sure the Abrams tanks helped Marines take Fallujah, but basically because they ran over houses in which insurgents had hunkered down. If it's just about running into buildings, we have other vehicles that can do that.

The numbers here are a bit hard to figure out (how many tanks, times how many people operate those tanks, times their salaries and fees, etc.), but there's certainly savings somewhere in there.

Ostensibly, the U.S. could totally shelve the tank, keeping about 100 active for contingency operations.

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Selling any home can be challenging, depending on the market.

But if you have an old home and want to appeal to young buyers in their 20s and early 30s, you may need to take some extra steps.

First, you'll need to assuage the fears of those young buyers about maintaining a home that was around during the real "Mad Men" days.

Second, you'll need to showcase the features that have the most appeal to young couples and families.

The following eight tips won't cost a lot of money, and they could reap you an early offer.

Pre-inspect your home

One of the most difficult decisions for home sellers is to figure out how much to spend on home improvements before putting the house on the market.

"I always recommend paying for a home inspection, especially if the owners are elderly and have not had the money or energy to keep the house in good repair," says Lane Tharp, a Realtor with Coldwell Banker Residential Brokerage in Dunwoody, Ga. "An inspection will help determine if there's anything that absolutely must be done before putting the house on the market."

In addition to a general home inspection, Debby Strott, manager of Weichert Realtors' Morristown West office in Morristown, N .J., recommends that homeowners get the heating and air-conditioning system cleaned and inspected. She suggests having septic systems pumped.

"This provides peace of mind for buyers," Strott says. "You can put the service contract or reports with your marketing materials."

Buy a home warranty

Strott recommends that sellers buy home warranties that cover repairs for the systems (electrical, plumbing, heating and cooling) and appliances in the home.

Most home warranties are available as one-year policies and provide coverage while the property is on the market and after the closing.

A home warranty costs around $300 to $400 and reassures buyers that they won't be faced with a major repair expense in their first year of homeownership, Strott says.

Offer a possible expansion or renovation plan

"Most Realtors know a contractor, so it would be fairly simple for a Realtor to get a ballpark estimate of sample fit-and-finish renovation projects such as replacing the flooring or renovating a bathroom," says Scott Lacey, a renovation specialist with Weichert Financial Services in North Providence, R.I.

"Younger buyers don't always realize that everything they see can be changed with a renovation. If they like the home based on the location, the schools and the general style, they can be persuaded to buy if they can see the possibilities that come with a renovation."

Sellers can pay for simple drawings that show some renovation options that would work well with the home's configuration and its lot.

Strott recommends that sellers find out about any permit issues with an expansion such as height or setback restrictions or wetland and to include that information with marketing materials.

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Ever since the Osama bin Laden raid, America has gone bonkers for U.S. Navy SEALs and Military Special Operators in general.

Skip to the units >

The Special Operations Command, or SOCOM, is scheduled for spending and personnel increases while the rest of the military looks to be making cuts. End strength goals indicate that America's entire crop of military operators will top off at 70,000.

In fact, the number of operators has doubled since 9/11, and their budget tripled — from $3.5 billion to $10.5 billion. The trend will likely continue as the U.S. is in the middle of a shift to "smaller footprint" type operations.

Putting 100 thousand troops and countless private support personnel on the ground in any given country — sometimes referred to as "nation building"— is a costly strategy. Putting a boot or two on Osama bin Laden's door arguably cost more in political currency — Pakistan wasn't too happy — than actual currency.

Though it was the SEALs who performed that raid in Abbottabad, it's worth noting there are quite a few more SpecOps units in the U.S. than just SEALs — Green Berets and Marine Snipers, etc. — so we here at Business Insider have made things easy by assembling a comprehensive list of all the SpecOps units we could find (with help from the extensive descriptions on AmericanSpecialOps.com).

Division Marine Recon

Marine Reconnaissance teams provide intelligence for active small unit operations on the battlefield. Those with Marine Sniper quals can also provide accurate demoralizing small arms fire from a distance.

Marine Recon is arguably in the top five of all special operators — capable of harassing an entire enemy battalion for long periods of time; tracking enemy units for larger American forces; or conducting well-orchestrated raids on high-valued targets.

These guys are the gems in the crown of the United States Marine Corps.

Air Force Special Operations Weatherman

No, it's not a joke. They can literally forecast the weather above a fight, kill the enemy, and direct artillery — simultaneously.

The official mission of the U.S. Air Force field weatherman is as a ground-level, small-unit meteorologist who provides accurate forecasts for the purpose of air asset deployment (bombs and stuff).

USMC Air Naval Gunfire Liaison Company — ANGLICO

The Air Naval Gunfire Liaison Company is another group that often finds itself in the shadow of sexier special operations units like the SEALs. A single ANGLICO Marine can coordinate a hellish rain of fiery artillery and air-strafing fire on the enemy though, whereas all a SEAL can do is pull a trigger.

Typically they don't deploy as individuals, but like any SpecOps group, in teams of four or five.

A typical ANGLICO team:

• Team Leader (Captain or Navy Lieutenant): any ground MOS - typically JTAC (Joint Terminal Attack Controller)-qualified artillery officer.
• Team Chief (Sergeant), typically qualified as JFO (joint fires observer) and as a JTAC.
• Radio Chief (Corporal or Sergeant).
• Junior Radio Operator (Private First Class / Lance Corporal).
• Fire Support Man / Scout Observer (Private First Class / Lance Corporal).

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After coming within points of an all-time high, stocks have begun to stumble, and volatility appears to be returning to the markets.

This has led some market pros to declare that an amazing four-year rally in stocks is over and that we're on the precipice of a new crash.

And there is certainly no shortage of logic to support that view. 

Massive U.S. federal budget cuts are looming, political instability in Europe is returning, and currency values around the world are falling.

And by many measures, U.S. stocks look due for a comeuppance. Valuations are elevated, profit margins are at all-time highs, and there are signs of investor complacency everywhere.

Of course, not everyone thinks stocks are headed for a crash. In fact, some experts think we're at the beginning of a new long-term bull market and that investors should go "all-in." But we'll focus on those folks later.

For now...

Much of the recent frenzy of stock buying has been boosted by borrowed money. Margin levels are rising fast.

Source: Pragmatic Capitalism

Earnings growth expectations are tumbling. And earnings are the most important drivers of stocks.

Profit margins are already at record highs, and analysts expect them to go higher. Profit margins tend to be "mean-reverting," meaning that they don't stay at record levels (high or low) for long. So many analysts think a margin correction is coming.

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Ninety miles south of the bustling streets of Bangkok, U.S. troops trained with their counterparts in the Thai military this February, learning the ropes of jungle survival with surprising — and often nasty results.

See what's for dinner >

It's all part of an annual exercise called "Cobra Gold," with over 13,000 military personnel in attendance. Troops train in infantry tactics, share medical advice, and figure out the best way to stay alive in the middle of the jungle.

That includes everything from scavenging for insects to eat, finding water, avoiding poisonous snakes — and sometimes snacking on them.

“Fighting to survive in the jungle is like every other battle; it is first lost or won in the mind,” Army Sgt. Daniel Hernandez told Jose Lujano. “Survivors find ways to keep their spirits up and never let the situation beat them.” 

Instructed by experienced Thai Marines, an attentive class of 90 sampled various delicacies: leaves and roots, exotic fruit, and fried insects.

But the real crowd pleaser was the king cobra, with instructors teaching how to capture, handle, and eventually drink the blood — which can actually provide much needed hydration and nutrients if they ended up lost.

The exercise helps troops from both nations learn to work together through different scenarios.

But for the survival training, the Thai military brought quite a spread.

Survival classes are taught by Thai instructors, who have plenty of experience in the jungle.

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Anna Zielinski is the face — and body — in some of Amazon's Kindle ads.

You've probably seen these ads, in which she's repeatedly shown lying by a pool or on a beach in a black bikini, fending off guys who hit on her.

In tech advertising, this approach is slightly unusual. When it comes to promoting a new product, brands tend to let the gadget sell itself and/or bash the competition. 

Apple's commercials, for example, show off the features of its iPads. Samsung lampoons the iPhone by showcasing the features on the Galaxy S III.

Amazon, however, has taken a different route with Zeilinski and the Kindle. It almost seems as if Amazon isn't confident in its products. Why else distract viewers with a bikini-clad woman?

Zielinksi was a commercial veteran prior to her Amazon connection. She's also appeared in many TV shows, including "How I Met Your Mother." And she produced her first film, a Christian movie titled "Marriage Retreat," in 2012.

Here's her story.

She used to be a professional cheerleader.

After graduating from Louisiana Tech University with a degree in accounting, Sierpinski moved to San Antonio to pursue a career in dance. Zielinski was a San Antonio Spurs Silver Dancer from age 23 to 25. An ACL injury in 1999 ended her NBA dancing career. 

According to her personal website, soon after leaving the Spurs, she signed on with a San Antonio talent agency and started pursuing acting. She then moved to Dallas where she began acting full-time.

In 2002, Zielinski began starring in commercials for big brands like Pep Boys and Burger King.

Nationwide brands were quick to pick up on Zielinski's consumer appeal factor. In a few years, Amazon would realize this as well.

Between 2002 and 2003, Zielinski appeared in commercials for Southwest Airlines, Pep Boys, Eye Master, Burger King, Black Angus Steakhouse, and Chevrolet. 

Zielinski also performed in Dallas-based Broadway plays.

In 2002, she starred alongside Lou Diamond Phillips in a Dallas performance of "Viva Las Vegas," as well as a performance "Chicago."

The following year, she appeared in Dallas' "Moulin Rouge." 

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Allen Iverson is broke despite making more than $150 million during his career. Because of his financial issues, the bank has foreclosed on two of his homes.

Most recently, Iverson's home in Atlanta was foreclosed on and now the bank is selling it for $2 million, according to Zillow.com.

Iverson's home in Atlanta has six bedrooms, nine bathrooms, a pool, and a beautiful outdoor porch area.

In March 2011, Iverson lost his home in Colorado to foreclosure.

Here's the outside of the house

The backyard has a beautiful pool and jacuzzi

There's an outdoor fireplace

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In 2011, traffic jams cost the United States $121.2 billion, according to a Texas A&M Transportation Institute study.

Of that figure, only $2.7 billion paid for the 2.9 billion gallons of fuel wasted by idling vehicles.

The vast majority of the lost cash is the result of wasted time, as American workers spend their time in traffic, rather than at the office.

Congestion takes its toll of the planet as well: Most cars are at their least efficient in stop and go traffic, and the wasted fuel only makes their impact on the atmosphere worse.

Fortunately for drivers tired of spending hours in the car, national economies that could use a few extra billion dollars, and everyone hoping for a healthier planet, gridlock can be eliminated.

Approaches fall into two basic categories: Detecting traffic, and preventing it. The first camp is the domain of apps and mapping systems, which know which roads are backed up, and help drivers avoid them.

Preventing congestion without keeping people out of cars is all about making driving more efficient, by making cars and traffic control systems smarter. The technology that currently controls most traffic signals is 30-50 years behind what is now available, says Rhythm Engineering's Jenny Kutz.

More modern approaches are gradually being implemented in cities around the country and the world, and offer amazing ways to keep everyone on the road and on the move.

Self-driving cars can make a big difference.

Google and Audi are making a lot of progress in developing autonomous cars, which could make driving safer by removing the potential for human error and poor judgement.

They will also make intersections incredibly efficient, because computer communication could allow cars to flow through a four-way intersection without even stopping.

Human-driven cars should talk to one another, too.

Volvo Trucks participates in SARTRE (Safe Road Trains for the Environment), an EU-financed project that worked for three years on road trains, a new take on driving in which cars communicate with each other and automatically follow a leader vehicle, actively driven by a human.

Road trains offer numerous upsides: Fuel mileage will improve, as vehicles stay at the same speed (acceleration reduces efficiency). Cars can safely drive more closely to one another, and will benefit from lowered wind resistance.

With groups of cars moving in conjunction and at predictable speeds, congestion will improve. And the stress of the daily commute will be alleviated, with time in the car to read or relax.

You can even put traffic lights inside cars.

That's the basic premise of Virtual Traffic Lights (VTL), a project led by Carnegie Mellon's Professor Ozan K. Tonguz, sponsored by the US DOT through the Carnegie Mellon-University of Pennsylvania University Transportation Research Center.

Cars that communicate with one another would control traffic themselves, and physical lights would be replaced by virtual ones, projected on the windshield of each car.

This, Tonguz says, would optimize traffic flow: Intersections that don't have signals now would be better governed, and the average $1,500 in electricity each intersection with lights now uses would go pack into cities' pockets.

Torguz's team is working to create VTL equipment that can be installed in cars already on the road, for about $100.

And while it seems that every car would need the equipment for the system to work, Tonguz told Business Insider that's not the case. A city could designate routes at certain hours where only VTL-equipped cars could drive:

"The benefit experienced by the drivers of the equipped vehicles in reducing their commute time will be a major incentive for the remaining drivers to also install the VTL equipment into their vehicles."

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When many people think of nonprofit institutions with large endowments, they think of well-financed pillars of higher education such as Harvard University.

But financier John Paulson’s $100 million donation last October to the Central Park Conservancy was a powerful reminder that academia does not have a monopoly on multimillion-dollar donations.  In the U.S., museums, orchestras and other cultural institutions also depend on generous patrons for financial stability.

The Metropolitan Museum of Art in New York City, for example, boasts one of the finest collections in the world, and the museum’s $2.7 billion endowment is the largest among cultural institutions in the U.S., according to The Chronicle of Philanthropy.

This generous nest egg, as measured by its 2011 value, grew 14 percent from 2010. Last year, the museum also received millions of dollars in donations from David H. Koch, of Koch Industries, and the estate of socialite Brooke Astor.

While the museum’s wealth dwarfs that of other arts organizations, the total value of the 10 institutions with the largest endowments was $8 billion in 2011, according to The Chronicle of Philanthropy. 

The numbers, while substantial, hardly compare to top-ranked American universities. Harvard University’s $32 billion endowment in the 2011 fiscal year was the highest of any American university, according to U.S. News & World Report, but more than 60 universities in the U.S. have endowments worth more than $1 billion.

Still, only three of the 10 best-endowed cultural institutions saw the value of their endowments slip from 2010 to 2011, while others registered double-digit gains.  The growth has been impressive during a time of market uncertainty.

Here are the 10 largest endowments held by cultural institutions, as reported by The Chronicle of Philanthropy.

Metropolitan Museum of Art: New York, NY

Endowment: $2,696,750,000

Notable donations: David H. Koch gave the Metropolitan Museum of Art $65 million in 2012 to renovate the institution’s plaza and fountains.

The museum also received a $20 million gift in 2012 from the estate of Brooke Astor to support curatorial programs and art acquisitions.

Museum of Fine Arts: Houston, Texas

Endowment: $1,011,086,744

Notable donation: Caroline Wiess Law, daughter of the founder of the gas and oil company now known as ExxonMobil, bequeathed an estimated $400 million to the museum when she died in 2003.

Smithsonian Institution: Washington, D.C.

Endowment: $971,200,000

Notable donation: In addition to Koch’s commitment to the Metropolitan Museum of Art in 2012, he also donated $35 million to the Smithsonian Institution’s National Museum of Natural History for the construction of a new dinosaur exhibition hall.

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Austin is more than the live music capital of the world. It's also the best place to start a business.

"Keep Austin weird" is the motto that leaps triumphantly from the mouths of native Austinites, signifying the city's pride in its small, local businesses.

We've found the most innovative businesses in Austin. They may be "weird,"but only in the best way possible.

Angel Donuts & Treats

8300 North FM 620, Building A, Suite 200

What it is: A tasty and creative donut shop.

Why it's innovative: Aside from their classic glazed donuts in many flavors, Angel Donuts & Treats serves up various types of cream-filled donuts, cake donuts, and cake balls. Or try their more savory "kolache" donuts, decked out in sausage and cheese, jalapeno and cheese, or ham and cheese — perfect for breakfast on the go.

Bearded Bastard

Based in Austin, Tex., found on Etsy

What it is: A new brand of mustache wax.

Why it's innovative: The man known as Jeremiah Newton, who also sports an impressive face full of hair, started Bearded Bastard to help soften the burliest of beards and tame the unruliest of mustaches. Products so far include the Woodsman mustache wax and Woodsman beard oil, but the new Austin-based company is developing many new man-inspired oils and tonics, which will be available soon.

BiKN

Based in Austin, Tex., but found online

What it is: An iPhone case and tracker system.

Why it's innovative: A product of Treehouse Labs, BiKN turns your iPhone into a tracker for all the things that are important to you — pets, keys, bags, or anything really. The tracker is mostly run out of an app, but it is based on your use of the protective iPhone case and the BiKN tags. The case tracks your things even when your phone’s battery dies and the color-coded BiKN tags attach to the things you want to track.

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Every year, TED creates a list of 10 ads that are worth spreading.

From the well-known (Ram's Super Bowl tribute to the farmers of America) to the obscure, TED selects commercials that truly elevate the advertising medium and actually deserve to go viral.

These are the ads you don't want to fast-forward through.

Coca-Cola's ad reveals the inspiring and contagious acts of kindness people do when they think no one's watching, as captured by security cameras.

Watch "Security Cameras" by Y&R:

Britain's Channel Four created a high-paced ad celebrating strength and profound determination of the Paralympians.

Watch "Meet the Super Humans," by 4 Creative:

Dodge Ram pays tribute to the farmers of America in this two-minute-long ad with poignant photography and the words of poet Paul Harvey, "On the eighth day, God looked down on his planned paradise and said, 'I need a caretaker.' So, God made a farmer."

Watch "The Farmer" by The Richards Group:

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Last year, rumors popped up that Australian billionaire Clive Palmer was working on cloning a dinosaur.

Whatever happens to those plans, it's clear that Palmer has a taste for recreating the past.

The 58-year-old, who made his fortune from natural resources like coal and iron, is now bringing the world's most famous ship back to life.

In New York on Tuesday, he unveiled images of Titanic II, a replica of the ocean liner that sank on its maiden voyage in 1912, claiming 1,502 lives.

To offer 21st century cruise-goers the chance to sail on the Titanic, Palmer created the company Blue Star Line last year. The ship is being designed by Finnish company Deltamarin, and will be built by Chinese state-owned CSC Jinling Shipyard, Reuters reported.

While the new Titanic will have air conditioning and modern safety equipment (and enough lifeboats for all of its 2,435 passengers and 900 crew), it will be made to look just like the original. Passengers will even be divided into three classes, and will be kept from mingling with those outside their station.

Construction should begin next year, and Palmer hopes to have the ship cruising by 2016. He has not specified how much the project will cost, but says the funds are coming from his own pocket, and that he'll spend what it takes to get the Titanic back on the ocean.

From the outside, the replica will look just like the original, but with enough lifeboats for everyone on board.

The first class cabins will be decorated like they were in 1912.

The smoking room on the original Titanic was reserved for male passengers, but Blue Star Line does not specify if that will be the case on the replica.

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Larry Ellison just added another prize possession to his personal portfolio: his own Hawaiian airline.

As we previously reported, Ellison was considering buying Island Air to help people get to Lanai, the Hawaiian Island he owns. Today, the sale became official; terms of the deal were not disclosed.

Buying an airline is a very Ellison-like thing to do. Ellison is a pilot who collects planes. His son is a stunt pilot, too.

And when the fabulously wealthy CEO of Oracle isn't running his company, he spends a lot of his time collecting extravagent things, like mansions, yachts and golf courses.

An island

Ellison bought 98 percent of the Hawaiian island, Lanai, a part of the state of Hawaii that was sale for between $500 and $600 million.

He's turning it into an eco-friendly experiment, building out its resorts and sustainable farms.

A gigantic mansion in Woodside, Calif.

His flagship mansion was styled to look like a feudal Japanese village. It has a two-acre man made lake. 

The house is worth about $110 million.

He also owns a gigantic golf course

Ellison owns a 249 acre estate in Rancho Mirage, California known as Porcupine Creek. It includes a private golf course.

It cost him $42.9 million.

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In this year's State of The Union, one of President Obama's proposals was to immediately build a public private partnership to fix the nearly 70,000 structurally deficient bridges in the United States.

He claimed companies like Siemens America were willing to bring more jobs here if we upgraded and repaired our infrastructure. 

Our roads and bridges really have decayed. As of last year, 11.5 percent of US bridges, crossed by an average of 282,672,680 vehicles daily, were graded as "structurally deficient" by the Federal Highway Administration (FHWA).

Many other bridges are rated "functionally obsolete," which means that they are "no longer by design functionally adequate for their task," according to the FHWA.

Transportation for America released a report detailing the most trafficked structurally deficient and functionally obsolete bridges in America, and we've picked out the busiest in 17 different states, and ordered them by condition, from best to worst.

This should not be interpreted as a list of bridges that are near collapse. But all of them need work, and many hold up traffic on some of America's busiest roadways.

With 7.9 percent unemployment and low interest rates, business, government, and drivers can agree that we could make some upgrades.  

I-95 over Hendricks Ave. (Jacksonville, FL)

172,000 vehicles drive over it every day.

68.3/100 sufficiency rating

According to the FHWA, the bridge's deck is in poor condition. 

A sufficiency rating is the FHWA's measure of a bridge's sufficiency to stay in service. Each of these bridges has a rating below 80, which is the threshold below which a bridge is considered deficient or functionally obsolete. Analysis provided by National Bridge Inventory and Transportation For America.

I-64 ramp at River Rd. (Louisville, KY)

144,000 vehicles drive over it every day.

66/100 sufficiency rating

The bridge is rated "functionally obsolete, meaning that it is "no longer by design functionally adequate for its task."

A sufficiency rating is the FHWA's measure of a bridge's sufficiency to stay in service. Each of these bridges has a rating below 80, which is the threshold below which a bridge is considered deficient or functionally obsolete. Analysis provided by National Bridge Inventory and Transportation For America.

I-35E over Pennsylvania Ave. (St. Paul, MN)

154,000 vehicles drive over it every day.

64/100 sufficiency rating

According to the FHWA, the bridge's deck, superstructure, and substructure are in poor condition. 

A sufficiency rating is the FHWA's measure of a bridge's sufficiency to stay in service. Each of these bridges has a rating below 80, which is the threshold below which a bridge is considered deficient or functionally obsolete. Analysis provided by National Bridge Inventory and Transportation For America.

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Ever since their first New York Fashion Week show in 2011, the Courtin-Clarins cousins have become a major hit in society circles and the fashion world.

They've been featured in Vogue and on Vanity Fair's "best dressed" list, and are constantly sent clothes, shoes, and accessories by big-name brands.

Tall, gorgeous, thin, and French, the Courtin-Clarins cousins seem to have it all. They are staples at Paris Fashion Week, and have already been spotted at the front row of Chanel this season, not to mention a slew of NYFW shows earlier in February.

But who are they?

New York Magazine, The New York Times, and Refinery 29 have all set out to answer that question, yet we still know surprisingly little about the four fabulous cousins.

Here's what we do know: Virginie, Claire, Prisca, and Jenna are the heiresses to the French cosmetics brand empire, Clarins. Their grandfather Jacques Courtin-Clarins founded the company in 1954, and it is now worth an estimated $3.6 billion, although that number is disputed and has most likely grown since the Courtin-Clarins family took the company private in 2008.

Their fathers, Olivier and Christian Courtin-Clarins, now run the company, and were worth a combined $2 billion in 2012. Thanks to them, Clarins Group now owns the fragrance divisions of top jewelers David Yurman and Swarovski, has an 85 percent stake in French fashion house Thierry Mugler, and a 10 percent stake in French cosmetics company L'Occitane. 

Virginie and Claire are the daughters of model Corrine Maine de Biran and Christian Courtin-Clarins. Virginie is 27 with long blonde hair that she wears in a signature fishtail braid, and graduated with a business degree from an unknown university in France. She owns her own swimsuit line, Luz, and lives in Paris. 

Her sister Claire is the tallest Courtin-Clarins at six feet, and has cropped blonde hair with large blue eyes. She studied architecture and graphic design, is 26 years old, and is an artist living in NYC. 

Their paternal cousins are the 26-year-old twins Prisca and Jenna. Prisca is the only brunette of the four women, and co-owns a trio of nail salons in Paris called The Nail Factory. She also lives in Paris, and is good friends with Nicola Fomechetti, the designer for Mugler. 

Jenna, on the other hand is blonde, with a self-described "rock n' roll" style, and is a photography student living in Paris. Both twins are the daughters of sculptor and model Anneli Courtin-Clarins and Olivier Courtin-Clarins.

All four women are brand ambassadors for Clarins and shareholders in the company. They've been testing beauty balms and makeup for their grandfather since they were children — from moisturizers to cellulite cream — and have launched their own "It Kit" of Clarins essentials as well as a Beauty Blog where they post videos of themselves explaining the correct way to use the products.

Additionally, the cousins are on the supervisory board for Clarins, and help choose the brand's charities. Their main project has been their involvement with the nonprofit organization FEED, run by George Bush's granddaughter Lauren Bush.

As the Clarins brand continues to become a bigger name in the US — now selling at stores like Sephora, Macy's, Bloomingdales, and Nordstrom— chances are we're bound to see much more of the Courtin-Clarins clan.

SEE ALSO: Introducing The World's Hottest Billionaire Offspring

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CGTrader, a marketplace for 3D artists, modelers, and engineers, has rounded up a collection of stunning computer-generated imagery.

These are pictures created by professionals in the field, and the end results look like photographs.

But nothing you're about to see is real.

This little creature is called a vespid

A luxurious interior room

The texture of this bread looks tremendously realistic

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Starting with Herbert Hoover, every American president has established libraries and museums to preserve their legacies — and to tell their side of the story.

Richard Nixon is no exception. Just a few miles south of Los Angeles sits the Richard M. Nixon Presidential Library and museum, a sprawling complex created by his foundation and administered by the National Archives.

During a recent trip out west, we stopped by to see how America's most controversial president asked to be remembered.

Click here to take the tour >

After the trip, we spoke with Bob Bostock, a consultant to the foundation and co-author of most of the museum's exhibits.

The other author was Nixon himself, he told us.

Bostock says no presidential museum is designed to be impartial, but is rather an opportunity to tell a president's story from his own perspective. 

One could argue that the distinction is not quite so clear cut. There are no disclaimers saying where the foundation ends and the National Archives begins.

Bostock says the Watergate section of the museum, produced by the National Archives and not the foundation, is arguably too anti-Nixon. The foundation ceded control of that section when the Archives took control of the museum in 2007, he says, though he wanted us to emphasize that the relationship between the Archives and the foundation is otherwise cordial.

"I don't think anyone goes in to see exhibits that are harshly critical of that particular president," he said, noting there are plenty of other places to look to find critical voices.

No one, he argued, should go in to a presidential library with the assumption that they are getting an official history.

"We don't have that in this country," he said.

The first thing you notice is that the place is huge and sort of beautiful. There's a large reflecting pool capped by an outdoor ceremony area.

The nine acre-site also houses the helicopter Nixon used for Marine 1...

As well as his birth home.

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Financial TV journalists are live before millions every day — millions of investors, business professionals, and other serious people.

That means that they need to walk a fine line. They need to look great, but they also need to look serious. This isn't easy.

Everything has to come together — hair, makeup, clothes — to present a complete package.

We've seen more than our share of financial TV fashion fails, but we won't talk about those today. Today, we'll celebrate the victories.

This is a list of people that consistently look smashing on camera. We don't know who styles them — maybe they style themselves. Whatever the case, they need to keep doing what their doing.

And everyone else should take note.

Kayla Tausche, CNBC

Tausche has a fantastic sense of style and selects colors and silhouettes that are perfect for her on-camera job. She even manages to keep it chic in the field whether it's in Sun Valley, Idaho or an Occupy protest. 

We're also going to give her props for her recent makeover. Her hair used to be longer and darker, but we think the shorter lighter cut is doing wonders for her.

Betty Liu, Bloomberg TV

This award winning journalist makes this list for her consistency. Liu's hair, makeup, and clothing are always solid if not impressive, and she's live super early too.

Sue Herera, CNBC

Herera has come a long way from her 1980s whoop-dee-do bangs. Now she looks fresh, stylish and age appropriate (which is huge).

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