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Who’s Gonna Get Me Over You?\nDarryl Wade Worley (born October 31, 1964) is an American country music artist. Signed to DreamWorks Records Nashville in 1999, Worley released four albums for the label: Hard Rain Don’t Last (2000), I Miss My Friend (2002), Have You Forgotten? (2003), and Darryl Worley in 2004. After the label closed in 2005, he moved to 903 Music, an independent label owned by Neal McCoy, releasing Here and Now in 2006, shortly before that label’s closure. His most recent studio release is 2009’s Sounds Like Life via Stroudavarious Records, owned by James Stroud.\nWorley’s six albums have produced 18 singles on the Billboard Hot Country Songs charts, including three Number Ones: "I Miss My Friend", "Have You Forgotten?", and "Awful, Beautiful Life", from 2002, 2003 and 2004–2005, respectively. "Have You Forgotten?" spent seven weeks at Number One. Nine other singles have reached the Top 40.
An emergency came up, and now you’re dreading looking up your bank statement online. What are you going to do if you don’t have enough money to cover it? With an auto title loan in Madera from LoanMart, you need not feel that anxiety anymore.\nHow may auto title loans help you? Auto title loans are based on the equity of your vehicle, your ability to pay back the loan on time each month, and several other factors. This type of loan is secured by your vehicle’s title as collateral. LoanMart will be listed on the vehicle’s title as the lienholder for the duration of the loan. Don’t worry, you’ll get to keep driving the vehicle while making payments on the auto title loan!\nApply for an Auto Title Loan in Madera from LoanMart!\nPhone Call: Our responsive auto title loan agents can be reached at 888-578-5449.\nMadera residents who need to take care of some emergency bills should consider getting an auto title loan from LoanMart. Depending on their qualifying vehicle’s equity and their ability to make their payments on time each month, Madera residents may be able to borrow from $2,510 up to $50,000 in as fast as one business day135. Apply for free today by calling 888-578-5449 or filling out and submitting our online information request form.
CytoTools AG, a biotechnology company, develops a pipeline of disease modifying therapies. The last earnings update was 206 days ago. More info.\nCytoTools has significant price volatility in the past 3 months.\nT5O outperformed the Biotechs industry which returned -10.2% over the past year.\nT5O outperformed the Market in Germany which returned -6% over the past year.\nIs CytoTools undervalued based on future cash flows and its price relative to the stock market?\nHere we compare the current share price of CytoTools to its discounted cash flow analysis.value.\nBelow are the data sources, inputs and calculation used to determine the intrinsic value for CytoTools.\nThe calculations below outline how an intrinsic value for CytoTools is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.\nAmount off the current price CytoTools is available for.\nFor CytoTools to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.\nCytoTools's share price is below the future cash flow value, and at a moderate discount (> 20%).\nCytoTools's share price is below the future cash flow value, and at a substantial discount (> 40%).\nThe amount the stock market is willing to pay for CytoTools's earnings, growth and assets is considered below, and whether this is a fair price.\nAre CytoTools's earnings available for a low price, and how does this compare to other companies in the same industry?\n** Primary Listing of CytoTools.\nCytoTools is loss making, we can't compare its value to the Europe Biotechs industry average.\nCytoTools is loss making, we can't compare the value of its earnings to the Germany market.\nDoes CytoTools's expected growth come at a high price?\nUnable to calculate PEG ratio for CytoTools, we can't assess if its growth is good value.\nWhat value do investors place on CytoTools's assets?\n* Primary Listing of CytoTools.\nCytoTools is good value based on assets compared to the DE Biotechs industry average.\nCytoTools has a total score of 3/6, see the detailed checks below.\nHow is CytoTools expected to perform in the next 1 to 3 years based on estimates from 1 analyst?\nIs CytoTools expected to grow at an attractive rate?\nUnable to compare CytoTools's earnings growth to the low risk savings rate as no estimate data is available.\nUnable to compare CytoTools's earnings growth to the Germany market average as no estimate data is available.\nCytoTools's revenue growth is expected to exceed the Germany market average.\nUnable to determine if CytoTools is high growth as no earnings estimate data is available.\nCytoTools's revenue is expected to grow significantly at over 20% yearly.\nAll data from CytoTools Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.\nUnable to establish if CytoTools will efficiently use shareholders’ funds in the future without estimates of Return on Equity.\nCytoTools has a total score of 2/6, see the detailed checks below.\nHow has CytoTools performed over the past 5 years?\nCytoTools's last earnings update was 206 days ago.\nBelow we compare CytoTools's growth in the last year to its industry (Biotechs).\nCytoTools does not make a profit and their year on year earnings growth rate was negative over the past 5 years.\nUnable to compare CytoTools's 1-year earnings growth to the 5-year average as it is not currently profitable.\nUnable to compare CytoTools's 1-year growth to the Europe Biotechs industry average as it is not currently profitable.\nCytoTools's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.\nIt is difficult to establish if CytoTools has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.\nIt is difficult to establish if CytoTools has efficiently used its assets last year compared to the Europe Biotechs industry average (Return on Assets) as it is loss-making.\nIt is difficult to establish if CytoTools improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.\nCytoTools has a total score of 0/6, see the detailed checks below.\nHow is CytoTools's financial health and their level of debt?\nThe boxes below represent the relative size of what makes up CytoTools's finances.\nCytoTools's short term (1 year) commitments are greater than its holdings of cash and other short term assets.\nCytoTools's cash and other short term assets cover its long term commitments.\nThis treemap shows a more detailed breakdown of CytoTools's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.\nAll data from CytoTools Company Filings, last reported 9 months ago.\nCytoTools's level of debt (25.7%) compared to net worth is satisfactory (less than 40%).\nThe level of debt compared to net worth has increased over the past 5 years (0% vs 25.7% today).\nCytoTools has sufficient cash runway for 1.2 years based on current free cash flow.\nCytoTools has sufficient cash runway for 1.3 years if free cash flow continues to reduce at historical rates of -26.6% each year.\nCytoTools has a total score of 4/6, see the detailed checks below.\nWhat is CytoTools's current dividend yield, its reliability and sustainability?\nCurrent annual income from CytoTools dividends.\nIf you bought €2,000 of CytoTools shares you are expected to receive €0 in your first year as a dividend.\nUnable to evaluate CytoTools's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.\nUnable to evaluate CytoTools's dividend against the top 25% market benchmark as the company has not reported any payouts.\nUnable to perform a dividend volatility check as CytoTools has not reported any payouts.\nUnable to verify if CytoTools's dividend has been increasing as the company has not reported any payouts.\nWhat portion of CytoTools's earnings are paid to the shareholders as a dividend.\nUnable to calculate sustainability of dividends as CytoTools has not reported any payouts.\nWhat is the CEO of CytoTools's salary, the management and board of directors tenure and is there insider trading?\nDr. Mark-André Freyberg co-founded CytoTools AG in 2000 and serves as Chief Executive Officer and Chairman of Management Board also served as its Managing Director. Dr. Freyberg served as the Head of Project, Cell Culture Technology at the Institute for Biochemistry at Darmstadt Technical University. In, 2000, he became a Co-Founder and Chief Executive Officer of CytoTools AG. There, he coordinated research activities and was responsible for the successful first round financing. Furthermore, support was obtained from BioChance, the largest German biotechnology funding program from the German Federal Ministry for Education and Research. Under Dr. Freyberg's leadership, the results of the basic research reached the stage of proof of conception in three animal models. Parallel to this, working was extended to the indications wound healing and dermatology. The medical successes led to the foundation of DermaTools Biotech GmbH in 2004 and TemplaTech GmbH in 2005 where he is also Chief Executive Officer. He has special responsibility for the fields of marketing of active substances and financing at CytoTools AG. After completing his diploma studies in biology, focusing on microbiology, in 1995 , Dr. Freyberg completed a doctorate in the fields of biochemistry and biotechnology at Darmstadt Technical University. Concomitantly with his dissertation, he additionally studied business science at the Hagen Distance Learning University.\nInsufficient data for Mark-André to compare compensation growth.\nInsufficient data for Mark-André to establish whether their remuneration is reasonable compared to companies of similar size in Germany.\nCytoTools has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.\nCytoTools AG, a biotechnology company, develops a pipeline of disease modifying therapies. The company’s therapies include proprietary small molecules and biologics to provide treatment options in dermatology, cardiology and angiology, urology, and oncology. Its lead clinical product is DermaPro that has completed Phase III clinical trials for the treatment of diabetic foot ulcers in India; is in Phase III clinical trials for diabetic foot ulcer treatment in Europe; and is in Phase II/III clinical studies for the treatment of venous leg ulcers in Germany, as well as is used as an anti-infective. The company also develops Utisept, an urological medical device for flushing the bladder in urinary tract infections; Derma MP for the treatment of venous leg ulcers in Europe; CardioClean that is in preclinical stage for the treatment of restenosis, diabetis, and carotis-stenosis; and Cancer T17-n for cancer treatment in Europe. CytoTools AG was founded in 2000 and is based in Darmstadt, Germany.
ICO Website Owner of REDI?\nA blockchain-based integrative data management system for the global renewable energy industry. The REDi Infranet will empower various renewable energy producers, consumers, and industry experts to consolidate, verify, and distribute data in the search for improved productivity and efficiency towards true sustainability.\nFollow to receive updates from REDI. Easy to unsubscribe & no spam.
Introducing the Official Ballistix Zip-Up Hoodie. Ballistix Hoodies are designed and manufactured in the United States. The Ballistix Zip-Up Hoodie features full coverage graphics on our premium, soft-to-touch fabric. Comprised of 100% Polyester, this hoodie provides the perfect blend of warmth and comfort.
For more than an hour a day older adults with type 1 diabetes typically have low blood sugar, finds a new study. The results of this study are going to be presented at ENDO 2019, the annual meeting of the Endocrine Society, in New Orleans, La on Monday, March 25.\nThose who are not aware their blood sugar is too low can spend more than 100 minutes a day in the hypoglycemic range, raising their risk of seizures, loss of consciousness and death.\nUntil now, there has been limited data on how much time older adults with type 1 diabetes spend in the hypoglycemic range, according to lead researcher Anders L. Carlson, M.D., Medical Director of the International Diabetes Center in Minneapolis, Minn.\n"This study of older individuals shows these patients do indeed spend more than an hour per day in a range of hypoglycemia, which puts them at risk for the dangers of low blood glucose," Carlson said. "Those who do not sense when low blood glucose is occurring as strongly as others can are particularly at risk."\nLow blood sugar can lead to blurred vision, difficulty concentrating, confused thinking, slurred speech, numbness and drowsiness.\nIf blood sugar falls below a healthy range and is not treated, it can be dangerous. Severe hypoglycemia is treated with an injection of the hormone glucagon. Severe untreated hypoglycemia can cause seizures, loss of consciousness and death.\nMany people with type 1 diabetes have low blood sugar but experience no symptoms, a condition called hypoglycemia unawareness. Because they don't know when their blood sugar is low, they don't know they need to treat it. This puts them at risk for severe hypoglycemia events, which requires another person to help them recover. They also are less likely to be awakened from sleep.\nThe study reflects baseline data as part of a randomized clinical trial that included 203 adults age 60 and older with type 1 diabetes who used a continuous glucose monitor for up to 21 days. The monitor automatically tracks blood sugar levels throughout the day and night. A continuous glucose monitor uses alarms to alert patients when blood glucose levels are low or start to fall quickly.\n"The findings underscore the need for interventions to help reduce the risk of severe hypoglycemia in this age group," Carlson said.\nNovel biomarker might help create a diagnostic tool for hypoglycemia-associated autonomic failure (HAAF) which can prevent life-threatening episodes of low blood sugar in diabetics.\nHypoglycemia (low blood sugar) associated autonomic failure, or HAAF can be prevented by creating a diagnostic tool with the help of new biomarker.\nNearly one in three infants is at risk for neonatal hypoglycaemia (low blood sugar levels), which raise a baby's risk of impaired nervous system development.
Although SilverStone says that this case sports many of the design features as its older sibling, the TJ04, I am hard pressed to find too many similarities. To get some of the basics out of the way… The TJ04-E ships in two flavors. The SST-TJ04-E and the SST-TJ04B-EW (with side panel window). The case is manufactured from steel and aluminum. Every surface of the case is painted in a beautiful black (except for the anodized brushed aluminum face) and the case weighs in at 9.6 kg. There is room for up to eight 3.5 inch hard drives, six 2.5 inch hard drives, four 5.25 inch hard drives, and a total of six 120mm cooling fans. All this is packed into a case that measures 214mm(W) x 489mm(H) x 489mm(D).\nThe outside of the TJ04-E is definitely something to look at. The thick (7mm) aluminum bezel gets the drool going and beveled edges gives it that extra rugged appearance. The TJ04-E has removed the external 3.5 inch drive bays in favor of some larger power and reset buttons. The 4 5.25 inch drive bays are ordained with thick aluminum bay covers. The logo has been moved to the forefront of the face and the front I/O ports have been moved to the top. The Power and Activity LEDs have been moved right between the Power and Reset buttons.
Devotees and Archakas worshipped on Thursday to pray for the quick recovery of His Holiness the Dalai Lama, who was undergoing treatment for a lung infection in New Delhi. Thousands of people performed one additional pradakshina for his speedy recovery, according to the local news report in Telangana Today.\nThe report added the prayer gathering consisted of Chief priests Dr M V Soundararajan and C S Gopalakrishna who urged for calm and urged Tibetans not to be alarmed at the news of His Holiness the Dalai Lama’s treatment. The Chief priest had personally been enquiring the Dalai Lama’s personal physicians about his health.\nChilkur Balaji Temple has a special relationship with His Holiness the Dalai Lama because he was one of the very few Religious leaders who congratulated the Archaka when he lifted a Dalit for temple darshan last year. Dr. Soundararajan while saying that His Holiness is an irreplaceable spiritual leader, also urged China not interfere in the reincarnation of the Buddhist spiritual leader.\nBesides the Hindu Temple, devotees from around the world, especially Tibetans offered their prayers and well wishes for the speedy recovery of the His Holiness the Dalai Lama. Many Tibetans have also urged for the providing more time to rest for His Holiness by extensively minimizing public engagements that he presently engaged with. On Friday morning, the 83 year old spiritual leader was discharged from the hospital and said that he is feeling almost normal while acknowledging the prayers offered by his devotees.
Wine Ice Cream? Yes, please!\nWhy didn’t I know about this sooner?\nAnyway, apparently this is not available everywhere, only in a few places. Yes, they do ship, but it’s a bit pricey then. However, I’m hopeful they’ll start selling this in more places very soon. Hopefully close to where I live; that’d be awesome.\nCherry Merlot: Mercer’s premium ice cream with Bordeaux cherries blended with a Merlot wine recognized for its plum and black cherry undertones.\nChocolate Cabernet: Mercer’s premium chocolate ice cream with bits of bittersweet chocolate blended with a Cabernet wine filled with dried cherry & cassis notes.\nPeach White Zinfandel: Mercer’s premium ice cream with fresh peaches blended with a White Zinfandel wine distinguished for its fruity undertones and pleasant finish.\nPort: Mercer’s premium ice cream blended with an award-winning Ruby Port wine appreciated for its rich, heavily-bodied flavor.\nRed Raspberry Chardonnay: Mercer’s premium ice cream blended with raspberry sauce and a Chardonnay wine known for its delicate vanilla nose and buttery smooth taste.\nRiesling: Mercer’s premium ice cream blended with a Riesling wine prized for its fruity, crisp refreshing quality.\nI honestly can’t decide which one to try first. I just want to try them all. Have you tried them? Are they as delicious as they sound?\nIf you don’t know where to find them, you can use this map provided by Mercer’s.\nAnd no, I don’t work for them, I’m not being paid to say any of this, I haven’t tried their ice cream (although I’d love to!) and had never even heard of them before (until today).
Do you know which fire safety laws you have to comply with as a landlord?\nAs a landlord, you are responsible for the fire safety of your tenants. As legislation is constantly changing, it is up to you to keep up with the latest laws and to comply with them. This guide will cover your basic duties as a landlord (or managing agent) when it comes to fire safety.\nWhich fire safety regulations apply to your property?\n• For existing residential premises, the Housing Act 2004 applies. This act includes Housing Health and Safety Rating System (HHSRS), licencing for houses in multiple occupation (HMOs) and management regulations for HMOs.\n• With regards to fire safety, the key piece of legislation is the Regulatory Reform (Fire Safety) Order 2005 (FSO), which orders landlords to carry out regular fire risk assessments in the common areas of HMOs, flats, maisonettes and sheltered accommodation. In single-household-occupied premises, only the HHSRS applies.\nA fire risk assessment involves taking a methodical look at the premises as well as the activities carried out in the building. The aim is to assess the probability of a fire breaking out and the harm this would cause to those in and around the premises. Little fire safety expertise is needed to carry out a fire risk assessment for a small residential property, but you may need to take advice if yours is a larger, more complex property.\nIf any risks are identified, the landlord or managing agent is responsible for reducing or eliminating these potential hazards. Fire risk assessments should be carefully documented and updated if the risks change or if any changes are made to the property. Fire risk assessments must be carried out for each property as even identical properties can present different risks.\nIt is vital that occupants are alerted immediately if a fire breaks out, and there should be a clear evacuation strategy in place. The most common systems used are Grade A: fire alarm systems with detectors and a central control panel, usually providing break glass units near exits and on each landing; and Grade D: mains-powered smoke or heat alarms with backup batteries.\nIt may be helpful to provide fire blankets and fire extinguishers, depending on the type of premises. In buildings containing flats, multi-purpose extinguishers are required on each floor in communal areas and should be maintained annually. Sprinklers should be used for larger and complex buildings. However, unless the fire is very small and easy to tackle, tenants should always be encouraged to evacuate the premises and call 999.\nThe aim of compartmentation is to stop or slow the spread of a fire and to enable safe evacuation to take place. Compartmentation can be achieved by specifying minimum wall and ceiling thicknesses and specifying fire doors. There is no requirement for formal compartmentation in single-household-occupancy or low-risk shared houses, provided the construction is sound. Larger properties will need to provide 30 minutes of fire protection and fire safety signs.\nBWS Security Systems helps landlords and other building owners meet their fire safety requirements; protecting their tenants, personnel and assets in the process. We can design, install, commission and maintain your fire alarm system, ensuring that it operates at maximum efficiency at all times. If you are need advice on fire alarms in Gloucester, Bath or Swindon, give us a call today on 01225 8752 385.
The video has just been posted (6 June) so I have embedded it with captions. You can also view it at WordPress.tv if it does not play well from my site. Also, the audio corrects itself at about 3:25.\nI believe these are generally positive, but I am not hip to the British way.\n@aardrian Enjoyed your talk, one of the most engaging of the weekend. Factoring accessibility into user stories was the highlight for me.\nMostly because I am in the photos. Which is weird.
Whether this is your first experience with Combustion software or you're upgrading to take advantage of the many new features and tools, this guide will serve as your ultimate resource to this all-in-one professional compositing application. Much more than a point-and-click manual, this guide explains the principles behind the software, serving as an overview of the package and associated techniques. Written by certified Autodesk training specialists for motion graphic designers, animators, and visual effects artists, Combustion 4 Fundamentals Courseware provides expert advice for all skill levels.\nAutodesk's Media and Entertainment division produces award-winning software tools designed for digital media creation, management and delivery across all disciplines: from film and television visual effects, color grading and editing to animation, game development, web/interactive, and design visualization. Autodesk Media and Entertainment is based in Montreal, Quebec, Canada.
Ministering in a fallen world, we always have more to do than we have time and energy to actually accomplish. Some needs (and therefore some ministries) seem to be particularly demanding. How do those demands affect families? And how can we structure ministries in such a way that the families serving in those ministries can thrive and bless the ministry?
Tasked with creating a mobile game that would help Japanese game publishing giant Namco Bandai better adapt to the North American videogame market, CDM's team Shirokuma were tasked with designing and developing a prototype iOS title targeting the North American social/casual game market. This project culminated with a presentation to Namco Bandai president Shukuo Ishikawa, and the heads of Namco Bandai Group for the grand opening of their GNWC Vancouver Studio.\nElastic Path charged CDM'S TeamEP with the development of an app designed to showcase the capabilities of their new API. Using agile methodologies, our team created a functional eCommerce app, wrapped in the context of an educational resource, and built it from conception to a deliverable prototype.\n• Used XCode to style app, inserted visual elements, created segues, gestures, and buttons.\nThe Raptors initiated a rebranding campaign for its 20th anniversary. This was a concept that considered all of the elements of the Raptors identity, incorporating uniquely Canadian and Torontonian roots.\nThe English Pup series of English learning apps was developed as a fun and interactive way for kids to improve their vocabulary, reading and writing skills, as well as a comprehensive array of essential English language skills. The app is part of an English learning suite of products including activity books and flash cards.\nWorking with the challenging schedules and limited resources, a curriculum was developed to best meet the needs of design students aspiring for careers in digital media and production.\nThe procedures put in place were part of a four-year plan to ramp up educational outcomes using modular units adaptable for different instructors in varying situations and time frames.\nFriesens publishing is Canada's largest publisher of hardcover books. MCI's yearbooks have received acclaim for the publisher with invitations to speak at their annual conference.\nThe MCI yearbooks are a yearlong endeavour, with thousands of photos, fonts, illustrations, and layouts. Images are treated in Illustrator and Photoshop, and laid out in InDesign. Friesens' Hiedelberg presses print the high-quality, debossed, hardcover books that have increased in sales and popularity every year.\nOld Time Hockey is a retro-styled, ice hockey video game for PS4, Steam, and XBox One. It is the flagship game for V7 Entertainment and borrows inspiration from the movie Slap Shot. It is geared towards the smashmouth gamer and old school hockey enthusiast, nostalgic for the days when hockey was less refined.\nStreet photography is a candid glimpse into the stories of the individuals that make up a city and its culture. A collection of street photos can act as a powerful mood board for any designer, manager, or end user. It is at it's heart engaging and transformative.\nTeachers for Tanzania is a University of Windsor venture that has set out to educate and provide a sustainable future for the vulnerable children of Tanzania. Every year University of Windsor teacher candidates campaign for necessities that they take on there trek abroad.\nThe team needed a digital media strategy, meaningful content, as well as, a plan to sustain these platforms year after year.\nDreamRider Theatre is a group of youth engagement experts, who use theatre, music and multi-media to excite children to learn, grow and change. When they approached CDM for a way to inject digital media into their productions, the EMDM team pitched a transmedia strategy, culminating with online kids channel proof of concept.\nThe Kingston Prize is a biennial national competition for contemporary portraits of Canadians by Canadian artists.\nTo be eligible, an entry must be a painting or drawing of a specific Canadian person, produced within 24 months of the closing date, and must be based upon a meeting between artist and subject.\nThis is an underpainting for the image that was used for entry into the competition.
For anyone who is a fan of the Back Country Discovery Routes, the latest version, CABDR South opened today. Will be riding it next week and will hopefully be putting several pics of another California Adventure here.\nAre you starting in Yuma?\nAllSeasonRider, BiggieFalls, RonSJC and 5 others like this.\nkeeping an eye on the SE gang....this is going to be good.\nAlso, we knew it’s going to be cold, but we're in a dire need to do one last ride in the desert for 2018, and so we did. The riding was a blast even though there were many sections that reminds me of Mengle Pass mixed with deep sand, steep downhill and uphill climb. It was a challenged and pushed me beyond my comfort level. Thankfully, we have a great team and very strong sweep.\nThanks Matt for connecting the rides we did in 2015 into a loop. I am impressed with your google magic and navigational skill.\nMatt and I brought plenty of firewood which kept us warm. It ain't camping if no bs around the camp fire.\ntypeamark, Bullseye, AllSeasonRider and 5 others like this.\nMatt and Alan. Breakfast in camp, bacon and eggs, english muffins, orange juice and hot coffee.\nBigDogRaven, BiggieFalls, Todd157k and 1 other person like this.\nBigDogRaven, BiggieFalls, lvscrvs and 4 others like this.\nBike Guy, Bullseye, BiggieFalls and 5 others like this.\nhaha....even for someone with long legs, finding a rock to rest your foot is great.\nwhat's this car doing here?\nBullseye, BiggieFalls, Todd157k and 5 others like this.\nman, I missed all the good stuff on Friday!\nwork keeps getting in the way of my riding...so I only made it out for Saturday.\ngood temps, good crew (nice to meet Matt and the others), and a fun shake down day for me with new boots/shock re-valve. It was my first desert ride since march...before that it was mostly street/forest fire roads/pismo/snow/mx...so I paced myself to made sure I didn't burn out.\nI had never been here, but cool spot since its inception in 1931. people have been upgrading and still using it to camp and keep warm. Still cool to continue discovering things I never knew existed in the desert...makes me wonder what else is out there.\nTroy and I split off for a leisurely ride back.\n^ find Troy in the pic!\nthen cruised back to the truck for some sandwiches and chill...surprisingly 45-48 degrees felt PERFECT. did not feel cold at all after a few hours of good riding...sore toes from the new boots, broken headlight straps, and I need to move the shift lever up one spline.\nI keep looking at these pics wanting to go back out there. Any day we are riding in the desert in good health without a broken bike and good people, we are living a good life. Can't take that for granted.\nExcellent way to round out 2018....can't wait for more rides in 2019!\nBiggieFalls, Todd157k, NSFW and 1 other person like this.\nBigDogRaven, Bullseye, BiggieFalls and 4 others like this.\nBike Guy, SlowerThanYou, BiggieFalls and 5 others like this.\nWell bummer! I’ve been wanting to ride there!\nthe hills don't disappoint and there are too many of them.\ntime to get the cobwebs off the 350!\nI've noticed when the going gets tough the XR shows up?\nHBSURFDAD and NSFW like this.\nAnyone save some tracks to share?\nHBSURFDAD, NSFW and Greedyg76 like this.\n"Gone to charge battery" but no indication of when.\nBiggieFalls, NSFW, Todd157k and 1 other person like this.\nI've been here (and other nearby sites) many times and always figured they were just natural hunting location.\nChuck told us there was much more to the area than that.\nslidewayes, Bullseye, BiggieFalls and 3 others like this.
For each country in the world, Australia has a different classification regarding the documents and procedure to obtain a Visa. This is due many matters, including international relations, agreements, and also how the nationals of A or B country have in the past behaved when in Australia.\nThis classification is called "Assessment Level" by the Immigration Department and starts with "Level 1", which is the top level, or the one that requires fewer amount of documents to be presented to the Australian authorities. If your country being listed as "Level 1" , it will have easier to get the visa and even could to be granted online. By the other side, if listed in the "Level 4" , it is the one that requires more documents and proof of financial situation, besides many other requests. Nationals from countries "Level 1" are allowed to change the category of their Visas once in Australia without the need to leave the country.\nWell, due the fact that the Australian Immigration Department changes very often the classification of the countries, we will leave you the Link to obtain further information directly from the Department. Link to Assessment Levels 2013 ( PDF).
I’m not a spammer if that’s what you are thinking. We just have a lot of subscribers for webinars and newsletters, and for the past 3 years, I have constantly engaged them with email marketing. So, these have mostly been nurturing emails to opt-in lists. And yes, sending more than 2 million emails has definitely taught me a thing or two about email marketing best practices.\nNow some of you may already know that we conduct webinars once every two weeks and not to brag, but they are quite popular 😀 It was the goal of increasing the registrations and attendees for the webinars that had me experimenting with emails, and I am delighted with the results.\nEmail Marketing Best Practices: My learnings from sending over 2 million emails!\nI. Personalize – It helped us increase open rates by 327.75% and click rates by 543.75%!\nI know you have heard this several times, but it’s important to reemphasize because this simple thing still goes ignored in many emails I get in my inbox.\nWhen you meet someone, doesn’t it feel nicer if the person greets you by your name rather than just saying ‘Hi’ (there)? The same goes for emails.\nTry to have the recipient’s name there, whenever it makes sense. Eg: Shibani, get answers to all your marketing queries!\nAs I mentioned earlier, I send webinar emails every two weeks. In this particular case, I sent 4 email invites for the same webinar (because I was testing something).\nThe content was the same in all four cases.\nThe subject line was different in one email – it was personalized, unlike the other ones.\nSo how did this impact the click rate?\nThe email with the personalized subject line (Shibani, get answers to all your marketing queries!)gave us an open rate of 59% as opposed to 5.9% and 9% and 17% (shown below). That’s a 327.75% increase in open rate!\nCheck out this report by MarketingSherpa on personalized subject lines if you still need some convincing.\nHowever, I must add here that you shouldn’t overdo it. As digital marketing expert, Prateek Shah says, “Personalization in subject lines and content helps, but following the same pattern bores people.” So keep trying new things. Don’t stick to one pattern. But personalize whenever it makes sense.\nFor instance, say hi to the recipient by using their name in the body of the email. Instead of saying, ‘Hey there,’ say ‘Hey Shibani’.\nMy colleagues Sai and Vishnu, from the sales team, sent out cold outreach emails a few weeks ago. Both emails were sent to leads from the real estate industry. Both had personalized subject lines.\nEmail Campaign 1 had a personalized opening/greeting/salutation but no personalization in the body of the mail.\nEmail Campaign 2 had a personalized opening and personalization in the body of the mail (which was the respective lead’s company).\nThat’s a 543.75% increase in click rate!\nPersonalization in the second mail showed that the sales person had done his homework and had researched the respective lead’s business and what they do. This also meant that the sales person would perhaps have a better idea of the lead’s marketing and sales problems.\nNow one might argue that the content differs in both and therefore, the click rate, in this case, is not a direct impact of personalization. But hey, both had personalized subject lines, both had personalized salutations, both had CTAs, both were cold mails and both went to an audience from the same industry. That would count for something, right?\nII. Experiment – Change is the only constant.\nDon’t you get bored if you keep getting or doing the same thing over and over again? Be it what you eat or the clothes that you wear, everyone wants something different after a point.\nNow some of you may have read The Most Entertaining Google Adwords Guide on our blog. It about Bob’s adventure with Google Adwords.\nThe email has an open rate of 63.23% and a click rate of 8.08% (until now). That’s not a bad number to start with considering the campaign started running a few weeks ago.\nThis doesn’t always work but I’m sure it would be a pleasant change from the usual mails you get. Honestly, even I’m not much of a story teller but I have seen it work whenever I have tried it.\nBe interactive in your mails. Ask questions. Add humor to it (wherever possible of course). Just be yourself and try to have a conversation.\nI often make this mistake. But then I ask myself, would I read such a long mail?\nIt’s not really about the length actually. It’s more about the lack of time in my opinion. Have a chat with some of the senior members in your company. Ask them how many emails do they get in a day, and how many do they actually read, and you’ll have your answer.\nDon’t use too many big words. Think about your target audience when you draft the content. In most cases, the target audience will vary. Not everyone’s language proficiency would be the same. Therefore, keep it simple.\nThose of you who follow LeadSquared webinars would know that I share the webinar recording with all registrants once the webinar is over. In the mail, I share the deck (PPT) and the associated blog post (webinar Q&A) as well.\nOne day, I decided to change one word in the email.\nClick here to download your copy of the webinar presentation.\nYou won’t believe what a difference it made to the click rates for that particular CTA. And here’s proof of that.\nThat means the change resulted in a 54% increase in click rate!\nThe searches for ‘webinar presentation’ are far more than ‘webinar deck’. That should tell you that ‘webinar presentation’ is more widely used and perhaps, more understandable.\n‘Regards’ is probably one of the most used closing lines out there. I use it as well, a lot actually. But we need to think out of the box. I have been implementing this and so should you. Here’s a post to help you get started.\nWhen you send an email, you want the user to take an action, right? If the CTA doesn’t stand out, the chances of that happening are low.\nOf course, the copy has to be good. It must motivate action, but a good CTA is what seals the deal.\nLet’s say you want your readers to schedule an appointment with your counselor or consultant. Why not use “Book Your Appointment” instead of “Book An Appointment” for the CTA.\nYou might find these examples useful as well.\nYou would have noticed that the content is exactly the same. The only difference is the way the CTA is presented – one in the form of a button and one without. Which according to you looks more click-worthy?\nIf you are not big on buttons, try underlining the CTA or making it bold? And if the CTA redirects to a form, use autofill. More about that here.\nCTAs or hyperlinked texts always perform better if they are above the fold or in the top half of the page/email.\nThis is just a snippet of the mail (by Dave from Drift). But see how the language is really simple, sentences are short, storylike and it has an element of humor as well. It’s different from the webinar mails you might usually get and that makes it stand out.\nI’m sure some of you might disagree, but in my experience, more links (more than 5) means more chances of the email landing in spam. Your readers would need to manually move it back to the Inbox a couple of times until it automatically lands there. I suggest you avoid using too many links unless the mail really needs them to put the point across.\nI’m sure you have noticed that image heavy emails tend to land in your junk folder. Images affect deliverability. But then there are certain businesses that can’t do without them (like e-commerce). So this definitely is a debatable topic.\nWe tested this a few months ago. The test involved two cold emails requesting for a survey. Both campaigns were sent twice (in two batches).\nSee the difference? It’s a speculation really, but maybe the open rates were lower because the emails landed in spam. And it happened more than once, so that’s something. Therefore, if you must use images in your emails, use them wisely.\nAlso, with most email clients (Eg Outlook, Yahoo), you need to externally download images in the mail, in order to view them. That means the recipient has to take an additional action (which can be avoided) to view your email properly. Why would you want that?\nLuckily, for those of us who like having images in the emails, Gmail has made that easier for us.\nIn Gmail, images in emails download by default. If you don’t want them to download automatically, you’ll need to manually change that from your ‘Settings’.\nNaturally, unless images really annoy them, they won’t go and change the settings.\nSo the wise way to go about doing this (whether to use images or not) is to check how many of your email recipients use Gmail. I, for instance, know that around 60% of my email recipients use Gmail. But I mustn’t ignore the other 40. Therefore, I would not insert too many images in my mails.\nIf the food looks appetizing, people would be more likely to order it. If the color of the dress seems amazing, again, the chances of the clicks increase.\nI think FreshMenu nailed it perfectly in this case. I know the timing played a huge role here. The mail was sent at the end of the month when ‘most’ people (I included) would have a money crunch. However, the use of appetizing pictures was very important as well.\nSo visuals are important when it comes to click rate. I found that out as well when I experimented with our monthly newsletter.\nI sent out two variations of the same email. One campaign had an image. The other didn’t. The content remained the same. Surprisingly, there was no obvious difference in terms of deliverability (speculating based on open rates, again).\nBut as you can see (in the table above), the image made a difference to the click rate.\nSo If you want to use images in your campaigns, make sure they are relevant and make sense. One way to go about doing this is to ask others in your team. Ask them what they think of the image. A poor / irrelevant image might adversely affect your click rate.\nAt LeadSquared, we offer some of our customers a dedicated IP address. Having a dedicated IP address is good for businesses who have a high lead volume and largely depend on email marketing for conversion success.\nSo make your emails responsive.\nLately, I have been reading a lot about the best time to send emails. I found that most articles say different things. There is no one day or time that works for every business. It completely depends on the industry and your target audience.\nEarlier, we used to send our webinar mails on Fridays at 4pm IST. Then we moved to Thursday (same time). This week I sent it on Monday at 11am IST. And it worked very well. Our webinar registrations increased substantially because the open and click rates were higher.\nSo figure out what works for your business. Since we are a B2B product company, I can tell you that 11am IST works.\nIf your mailing list has people from different time zones (like PST, EST, GMT etc), you should ideally send the mail at a time that works for them. For instance, 4pm IST will not work from someone in Canada now, will it? So segregate and send, and then you’ll automatically see a hike in email opens and clicks.\nSo, that’s it for now. These were some of my learnings after sending over 2,000,000 emails in the last three years. They definitely worked for me. And, they might work for you too. I think the key is to understand your target audience and give them what they want.\nDid you try something that worked? I would love to know. Or do you have any questions? Post them in the comments section and I’ll definitely get back to you.
Even Google (« Dear Uncle Google ») is unable to give a clear answer to this simple question.\nThe answer for me a few years ago was finally « So try it! ».\nAnd here I am. I started practicing on myself in 2009 and teaching in 2015.\nReiki is a Japanese technique of healing by laying on of hands. But it has nothing to do with massage.\n« Ki » of Reiki is similar to Chi in Chinese, Light for the Christians, the Hindus Prana and Bio-Energy of the scientists. We can see it as Universal Life Energy.\nThe Reiki practitioner is thus a channel that lets a concentrate of this Energy of Life flow through his hands.\nSo, he treats himself above all and provides care to any person making the request (animal kingdom likes Reiki too see here…) .\nReiki is a complementary care to traditional medicine, it does not replace it. It acts as a complement, relieves pain, restores the vitality and simply maintains in good health. Reiki is not a part of the medical, nor of the paramedical, no therapy, no psychotherapy, no magnetism. It is neither hypnosis, nor Sophrology, nor auto-suggestion. It does not replace any medical treatment. Reiki is neither a sect, nor a religion.\nIt is important to know where we come from, and who the teachers of our teachers were. I received my initiations and teachings (1st grade-SHODEN, 2d-OKUDEN, 3d-SHINPIDEN and 4th SHIHAN ) by the Master Teacher Etienne Saintelet, initiated and trained himself by Nita Mocanu. I also received from Etienne Saintelet the initiation and teachings of Reiki Karuna®.\nThe recipient is lying on the massage table. By laying hands on different parts of the body, Reiki will relax deeply and fill, if necessary, deficits in energy. Contact is not required. The practitioner is simply a channel for the energy, he does not practice any physical manipulation. The session lasts approximately one and a half hour. Plan a little more time, Reiki makes sometimes sleep!\nWe recommend to attend four sessions quite close to each other.\nYou are initiated to Reiki and want to share treatments with others? Teamwork is always more efficient. One time a month a (free) sharing evening is organized, in small group, 8 people maximum, around one or two massage tables.\nLevel 1: April 13-14, 2019.\nAnd do not forget, to understand what Reiki REALLY feels like, give it a try!\nIt will never harm you, your body receives only the right amount of Reiki for your highest good.
It is insane to me that the most famous person today from the cast of this film is Marilyn Monroe. In a movie with Anne Baxter, George Sanders, and quite literally a generational talent in Bette Davis the most successful career 67 years later belongs to a woman who could barely play a bad actor well. The on screen partnership for Bette Davis that has gone down in the history books is her performance alongside Joan Crawford in the infamous What Ever Happened to Baby Jane? (not for nothing Feud is a great watch). But her performance across Anne Baxter in All About Eve is definitely deserving of a mention in the conversation.\nReleased right at the height of the studio system era All About Eve is a textbook golden age success story. A screenplay by accomplished writer Joseph Mankiewicz, based on a short story by Mary Orr, “The Wisdom of Eve.” At this point Mankiewicz, who also directed the film, had cut his teeth on some decent scripts. But it was his success on All About Eve that would that really jump started his career, he would go on to write and direct Julius Caesar, The Barefoot Contessa, and Guys and Dolls. But as All About Eve tells us in its opening monologue, the golden age of Hollywood is built on stars and nothing else, and Bette Davis is nothing if not a star. Her performance as Margo Channing, a successful stage actress who alienates her friends and loved ones when she grows paranoid about the young ambitious actress. Davis plays the role perfectly, watching her descend slowly into a madness brought about by being the only one who sees the insidious ambition in Eve Harrington until it’s too late. Anne Baxter plays the innocent girl turned villain well also, the scene when she tries to seduce Bill after her performance is impossible to look away from in the best way.\nFew films from 1950 can claim to have aged as well as All About Eve. The script is just as witty today as it was over a half decade ago. “Read my column the minutes will move like hours,” is an incredible piece of writing that surpasses many movies even today. Margo Channing’s character remains a great satire and comedic figure and at times is even a poignant commentary on the way that aging actresses are treated and how women in Hollywood are pitted against each other and abused by the men around them. Even if I had to bet that most of the social commentary is more an addition of hindsight than it was an intentional choice by Mankiewicz. The final scene between Eve and Addison has a much different significance in 2017 than it would have in 1950.\nWitty, funny, and culturally significant, All About Eve is a classic that holds up to the label. An amazing cast given an expertly written script leads to some career performances across the board especially from Anne Baxter who gives Bette Davis a run for her money. Mankiewicz’s work behind the camera is nothing remarkable but it is competent enough to allow space for his stars to craft this movie into something special.
When you see the little man, oh when you see his face.\nIt is beatiful, ugly, magnificent, dull, cruel, compassionate, happy, sad.\nIt's inite it's fleeting, the good turns into bad.
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Mattel Inc. stock is up 6.5% in premarket trading after Stifel upgraded it to buy from hold based on the toy company's better-than-expected holiday results for its core brands, especially Barbie and Fisher-Price. Mattel reported fourth quarter 2015 earnings Monday night. The bank set a price target of $33 in a note published Tuesday. Mattel shares closed at $26.76 on Monday. Same-store sales for Mattel's core brands grew 2%, the first positive result since the fourth quarter of 2011. Stifel analysts also believe upcoming DC Entertainment licenses and the retention of Pixar licenses, including "Cars 3" in 2017, will be a boon for the company. Mattel management expects "Cars 3" licenses to generate $350 million in incremental sales. Mattel shares are up 7.2% for the past three months while the S&P is down 7.8% for the period.
Sir Mark Oliphant, who died on 14 July, founded the Research School of Physical Sciences at the ANU and was one of those who pioneered the creation in Canberra of a national university dedicated to research at the highest international level. A tall, handsome man, with a shock of white hair, and a distinctive voice and laugh, he was well informed on a wide range of scientific matters and expressed firm views on their social consequences. He enjoyed wide respect throughout the nation as a great Australian scientist.\nMark Oliphant was born in Adelaide on 8 October 1901. Always good with his hands, he supported his studies at Adelaide University by working as a cadet in the Physics Department. After completing his Honours degree, he commenced his research career by working on surface tension with Dr Roy Burdon. Oliphant's interest in modern physics was greatly stimulated by the visit to Adelaide of Ernest Rutherford, the New Zealand-born physicist who was, at that time, head of the famous Cavendish Laboratory in Cambridge. Following Rutherford's visit Oliphant obtained an 1851 Exhibition Scholarship that took him to Cambridge.\nWhen Oliphant joined the Cavendish, the laboratory contained a number of brilliant young physicists, most of them Fellows of the Royal Society in the sight of God, and several actual or potential Nobel Prize winners, including John Cockcroft, who became Oliphant's closest friend and a future Chancellor of the ANU. Oliphant worked directly with Rutherford, building a new accelerator and carrying out fundamental work on nuclear transmutations, for which he was made a Fellow of the Royal Society in 1937. His work on nuclear reactions with the isotopes of hydrogen was particularly important and forms the basis for the production of nuclear fusion energy, still one of the Holy Grails of energy research.\nOliphant had done excellent work with Rutherford in Cambridge but wanted to run his own show and in 1937, despite Rutherford's strong objections, he accepted the Chair of Physics at Birmingham University, and began the construction of the largest cyclotron in Europe. But, as Britain prepared for war, Oliphant was one of a small number of mainly ex-Cavendish men who were informed of Britain's secret radar work. He and his group in Birmingham made an outstanding contribution to British radar research by developing the cavity magnetron, which provided a source of centimetre wavelength radiation for airborne radar.\nOtto Frisch and Rudolf Peierls were physicists of German origin, working in Birmingham. Because of their status, Oliphant could not arrange for them to join in the secret radar program. But they could work on nuclear fission and the practicality of constructing an atomic bomb. Frisch and Peierls wrote a famous letter, in which they calculated that the critical mass of a fission bomb could be as little as a few pounds of separated fissile material. Oliphant recognised the importance of this conclusion and was able to introduce the Frisch-Peierls letter to senior defence science officials in Whitehall, and then in the United States. The British atomic energy group, including Oliphant's team, eventually transferred to the United States and Canada. Oliphant's skill and determination, and his friendship with the American cyclotron physicist Ernest Lawrence, were important factors in the establishment of the Manhattan Project and the development of the atomic bomb.\nAt the end of the war, Oliphant returned to the task of completing the Birmingham accelerators. There were also exciting opportunities offering in Canberra, where a new, national, research university was being planned. Oliphant accepted an invitation to join the group of senior academics in the UK that was providing academic advice on the new university. The advisers were eventually offered appointments as directors of planned research schools in the university. Only Oliphant accepted. He frequently repeated Howard Florey's comment at the time that all he could expect to find would be a "hole in the ground" and a mountain full of promises.\nOliphant was enthusiastic about developing a new accelerator in Canberra. He was always interested in the possibility of new designs and wanted to build machines that stretched technology to the limits. His ambition was to construct a novel machine that would operate at a higher energy than any other machine in the world but which, at the same time, could be built at a fraction of the cost. He did not like large teams and looked back nostalgically to the machines that he and research students had built in Cambridge. The Canberra machine went through a number of design changes and name changes, including the cyclo-synchrotron, the synchro-cyclotron and the proton synchrotron, but was not completed as an accelerator. An unfortunate accident, in which one person was blinded, occurred with the NaK (sodium/potassium) system of the homopolar generator, the power source for the accelerator. The generator was rebuilt using carbon brushes in place of NaK and completed as a stand-alone machine, which was used as a high-power source for a range of plasma and laser experiments.\nIn addition to leading the work of his own group in high-energy accelerator physics, Oliphant, as Director, expanded the work of the research school in astronomy, mathematics, geophysics, theoretical physics, atomic and molecular physics, nuclear physics and particle physics. The research school became a major centre for Australian research and postgraduate training in the physical sciences.\nAfter he retired as Director, Oliphant returned to some of his earliest work on the interactions between positive ions and solids.\nIn 1971, Sir Mark Oliphant began a new career when he was appointed Governor of South Australia, a post he filled with dignity and distinction. He spoke very strongly in favour of environmental issues, especially in defence of the Adelaide Hills, and of the perils of nuclear armaments.\nSir Mark always had the loving support of his family, especially that of his gentle wife, Rosa, and his daughter, Vivian.\nJohn Carver, 'Oliphant, Sir Marcus Laurence (Mark) (1901–2000)', Obituaries Australia, National Centre of Biography, Australian National University, http://oa.anu.edu.au/obituary/oliphant-sir-marcus-laurence-mark-782/text783, accessed 25 April 2019.
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The Trout Unlimited Book of Fly-Fishing Tips covers every aspect of fly fishing. Learn how to select the rod, reel, and fly line that are best suited for your type of fishing. Perfect your casting techniques so you can place your dry fly, nymph, wet fly, or streamer exactly where you want it to be, then get a proper drift over likely holding areas. Want to learn how to tie your own flies? It's easy with the tips from TU's tiers. 224 pgs.\nFrom the mighty rivers of the Pacific Northwest, to the rolling streams of New England, to the freestone streams of the Appalachians, to the frigid waters of Canada, fly fishing is a sport embraced by anglers from all corners of North America. And now from the members of the highly respected conservation organization Trout Unlimited comes a comprehensive volume of tested tips and tactics for fly-fishermen from every region and of every skill level.\nWant to know how to read water, no matter what the conditions? Look no further than this book. Here you'll find chapters featuring these tips, plus advice on wading, fighting fish, and tying bombproof knots, and much more in this compact and insightful book. Whether you're a beginning angler looking to get into the sport or an experienced flyfisherman wanting to hone your skills, The Trout Unlimited Book of Fly-Fishing Tips is sure to provide you with tips, tactics, and techniques that will make you a better angler.
Students violating dress code will be asked to change into loaner clothes for the day.\nOak Scholarship Club has partnered with the McKenna Claire Foundation to help raise money for pediatric brain cancer research by shining a light on your special someone! Your $20 donation gets your student’s special birthday wish on the school marquee and helps fund much needed research.\nThe 2018-19 school year will end on Thurs., May 30, 2019 - The new school year schedule will include 2 additional school breaks: the full week of Thanksgiving and Feb. 18-22 in addition to the 2 week winter break and the 1 week spring break.\nWelcome to Oak Middle School, home of the lions, where everyone is part of the “Pride.” Oak offers a wide array of both rigorous and relevant courses. Students in grades 6-8 are given opportunities to develop their skills to be collaborative, creative, innovative, and extraordinary. Our academic programs explore literature, mathematics, science, history, world language, art, music, drama, physical education, engineering, and robotics. With over 26 clubs on campus, we encourage our students to become involved in activities that include leadership, the arts, sports, and scholarship. In addition, our ASB and sixth-grade leadership help to coordinate school-wide events like spirit days and school dances.\nLunch periods are designed to allow students to have time to socialize with new and old friends. Friday lunches are filled with activities that usually get many of our students up and dancing in our amphitheater. Sixth graders have a separate lunch period, while 7th and 8th grade lunches are joined together.\nWe invite Oak parents to become involved and connected to the school culture. Opportunities to volunteer are available each week. We invite our parents to join our PTA and School Site Council. Volunteers are also used to help facilitate some of our school activities such as our Veteran’s Day Celebration, Pi Day, Lion Pride Lunches, track meets, and community events. We would love to have you join us.\nWatch for our weekly “Lion’s Roar” newsletter that is sent via email every Sunday evening at 7:00 p.m. This is a great way to see what our students have learned during that week.\nWe are all excited to see familiar faces as well as meeting all our new students and families for the 2017-18 school year. If you have any questions, please feel free to phone our school office at 562-799 4740.\nGear up to show your school spirit on Fridays! Oak spirit wear is available for purchase.
Witnesses: Nathan Bostock, Head of Restructuring & Risk, RBS, Eric Daniels, Former Group Chief Executive, Lloyds Banking Group, Stephen Hester, Chief Executive, RBS, and Tim Tookey, Group Finance Director, Lloyds Banking Group, gave evidence.\nChair: -y ou hope, be for e a parliamentary select committee . I am going to start with a very general question. The Bank of England made this estimate of the cost of the subsidy to the UK taxpayer, so theoretical underpinning costs, and they came to £100 billion, across the banking system, as the 2009 cost to the taxpayer. From your point of view, as two leaders of two banks, what value for money has the taxpayer got for that £100 billion underpinning and some direct investment?\nQ106 Chair: So you do not accept the Bank of England figure?\nStephen Hester: No, I do not accept the Bank of England figures. I am not an economist and I am obviously not an econometrician, but research that we have seen, which I think will be published in the coming weeks, and I will provide you with a copy if and when it is, comes up with dramatically smaller figures.\nStephen Hester: I have seen figures that are less than a 10th of that amount. But my point is not that one figure or another is accurate. I would accept that there has been an implicit subsidy. One can debate the size of it; I believe it is much smaller.\nQ108 Stephen Barclay: Have you published those figures that suggest it is less than a 10th?\nChair: They are publishing on Friday.\nStephen Hester: I have seen work in progress, but as soon as there is something that is finished we can certainly make it available. But the second point that I would make is that all of these figures are backward looking, however you would calculate it, and clearly one of the most important things that is under way is the reform of the banking system, such that it no longer has any implicit subsidy from taxpayers in any country, whether here or otherwise, and if one forward-projects the dramatic increases in capital for banks in liquidity and the other reforms like living wills and resolution, I believe that we will get to the place that we should be at, where there is no longer an implicit public subsidy, and we are certainly very supportive of that being the case.\nQ109 Chair: The job of this Committee is to follow the taxpayer pound and to assure the public that we have had value for money for the investment of that taxpayer pound. The figure that we have been working with is £100 billion-let’s not quarrel about the figure-but whatever it is, £10 billion is still, were that correct, a fantastically substantial amount. What value has the taxpayer had out of both the implicit and explicit investment that we have made since the financial crisis?\nStephen Hester: Again, I think that there are many different ways to attack that issue. Of course there are series of direct and ongoing receipts that the taxpayer has had through fees paid to the Bank of England and to the Treasury for explicit liquidity support: fees paid on the Asset Protection Scheme, and so on. Hopefully there will be handsome returns from ownership of the shares of RBS and Lloyds, but that is obviously to be seen in the future. Over and above that you then move into broader societal issues about whether the functioning of the financial markets has a benefit to all of society or not, and I think it does.\nI want to be very clear: my point is not that you can do a mathematical calculation and say, "All is fine." My point is the contrary: all is not fine, such that reform is needed, such that these implicit subsidies disappear, however you might argue about the numbers.\nEric Daniels: On the methodology that I understand was behind the £100 billion number, I would somewhat agree with Nick Macpherson who said it depends on the day that you do it.\nQ110 Chair: It is a 2009 figure. For 2008, the Bank of England said it was a £10 billion implicit and explicit subsidy, total subsidy. But 2009, it was £100 billion. So they looked at calendar years.\nEric Daniels: The way in which they approached it was to look at the difference between the standalone rating and the cost associated with funds as a standalone institution versus the support rating. They took that differential and used that as the basis for the calculation. What I would say is that no bank today, or during 2009, was able to raise money at the support rating. The actual cost of funds to the bank was at the standalone rating. I think the idea that using that differential to calculate the socalled subsidy is simply not correct. I challenge the assertion.\nQ111 Chair: Accepting the challenge, nevertheless we all accept that there is a substantial investment by the taxpayer in supporting the banking system during the banking crisis. Did the taxpayer get value?\nEric Daniels: I think I can only repeat what Stephen said, that the explicit support that was given-whether it was liquidity support in the form of CGS or SLS-was, in fact, at very attractive rates for the taxpayer. The investment in the equity of the banks, as Stephen said, remains to be seen, but I think we all believe that the taxpayer will get a very handsome return for that investment.\nQ112 Stephen Barclay: Just sticking with the Bank of England research, that also commented that the dominant influence in the lack of lending to companies was the reduction in the supply of credits by the banks. Do you accept that finding?\nStephen Hester: That would not be the data that we have. I think that the data that is pretty consistent all around the world is that post-recessions, what happens-in the generality, of course; there are individual cases that are different-is that people try to get their borrowing under control. Savings rates go up, deleveraging happens, borrowing goes down, and so in every industrialised country around the world you saw an increase in savings rate, a paying back of borrowing as people desire to be more conservative, and I think that is by far the dominant effect on the lending.\nQ113 Stephen Barclay: Absolutely, the Bank of England cited a number of factors, but within those various factors they said the dominant one was the one I cited. Given that they have access to a wider data set than you do, and they can request your data, and they can request data from the regulator, why do you think, in your opinion, the Bank of England got it wrong?\nStephen Hester: I do not think my position here is to per se criticise the Bank of England, and indeed I do not have in front of me line by line, if you like, the report that you are citing, with all its context, but all I can say to you is I believe that the dominant influence-not the only influence, but the dominant influence-in the reduction of lending has been people’s desire to borrow less in the context of an uncertain economic outlook.\nQ114 Ian Swales: On this topic, Mr Hester, you talked about the implicit subsidy, based on the Chair’s first question, and you seem to be suggesting in one of your remarks that you would see, in effect, that disappearing. Now, as I understand it, one of the main factors behind that is the Government standing behind deposits in the banks, and in effect standing behind international operations as well as UK operations. When you say you see that disappearing in the future, by what mechanism do you think that is going to happen?\nStephen Hester: The mechanisms, if you like, that are under way-well advanced, in fact-can possibly be divided into two categories. The first is banks holding huge amounts more capital and liquidity reserves, quite properly-obviously I am not here to defend the past, since I have only been in post two years-and that means that the likelihood of banks needing external support once those reforms have been fully worked through, the Basel III process, dramatically falls. Then secondly, there is a huge change in what happens in the less likely circumstance that a bank nevertheless fails in the future.\nWhat the last crisis unveiled, and I have spoken about this a number of times in advocating reform, is that it was quite hard to pass on losses, pass the shareholder to creditors, which is normally what would happen in any other company, and the state found itself jumping into the middle. There are a whole series of parts of reform around things called CoCos and things called bailins-sorry to use technical terms-resolution mechanisms, changes in legislation, living wills. There are a series of things in this category that the world’s regulators are advancing, designing and changing, such that in a future crisis not only would a bank be less likely to go under because they had more strength to start with, but there then would then be a smoother recourse to creditors, as opposed to Governments, and not the need for Government intervention.\nSo the combination of those, plus banks managing themselves, learning from the crisis, getting out of risk position, should get us to the position where Government support of the capital variety, is not needed. There will always be a role for central Bank liquidity support, but there should not be a role for capital support, and that is why I have always advocated that these reforms take place. I think we are going in absolutely the right direction, and as they bite that will be the result.\nQ115 Ian Swales: On a specific, then: retail depositors. Do you see the Government’s scheme to support retail depositors disappearing in this new world that you are describing?\nStephen Hester: Obviously retail depositors, or the retail deposit insurance, is funded by the banks through levies. That is true here, it is true in the United States, but I cannot speak for every country. So although the Government can offer an overdraft, in the end it is the banks that pay for that scheme. My guess is that scheme will stay; you could argue for its enhancement, but it has already been enhanced. You can clearly have a debate about its size, but quite properly it is paid for by the banks.\nQ116 Chair: I want to get you back to this value to the taxpayer. I want to get you back to the value. You believe you have value in the sense that you are paying for the money that we, the taxpayer, are lending you. One of the aspects of the deal, and it would be good if you could both answer this, was that we wanted to keep lending going, both mortgage lending and business lending, and both of you abysmally failed in 2009. RBS was £22 billion short on the business lending and Lloyds £8 billion short, on the figures that we have in front of us. 2010 looks a bit better, but only because we have changed the goalposts, so instead of looking at net lending we are looking at gross lending. I would have hoped one of the ways we could measure value for money for the taxpayer would have been your role in securing growth in the economy, particularly through the SME sector. Why did you fail, and in that context how do you expect us to say you have given value for money?\nEric Daniels: I think I would characterise our performances somewhat differently. I am very happy with the performance of Lloyds. We extended over £30 billion of new mortgage lending during the past year. We have helped over 50,000 first-time buyers. We have lent approximately £44 billion, I believe, to corporations and small businesses-£11 billion specifically to small businesses. We in fact exceeded our commitments to Government during this past year.\nQ117 Chair: Only because the goalposts have changed. I am sorry to interrupt you on that, but when the targets were first set they were net targets-that was 2009-and you both failed abysmally in 2009, which was a key year for growth. In 2010 you are doing better, I accept that, but only because we have changed, and presumably in your negotiations with the Treasury, you are now on gross targets, which I do not think are a terribly helpful measure, but I accept that they are the measure that has been set.\nEric Daniels: I think that I would give you two responses. In the first place, we increased our net lending to businesses during the year, so this is not something where it is simply chicanery.\nQ118 Chair: What is your net lending to business in 2010? I have it down as a negative.\nEric Daniels: I believe it is positive. I do not have the number to hand.\nQ119 Chair: What is it? Does Mr Tookey know?\nTim Tookey: It was positive overall.\nQ120 Chair: What? A billion or something? I think our advice from our officials was it was still a negative.\nQ121 Chair: Can officials help?\nTim Tookey: -for SMEs for year two.\nQ122 Stephen Barclay: Just whilst they are helping, can I just clarify that gross lending to a company can go up, whilst the actual money the company gets , the net lending , goes down? In other words, if I have a first loan with you worth £1 million, and that is under an existing loan agreement and I pay that back, because of the fee structure in terms of that loan, and I take a second loan from you worth £1.5 million, probably with higher fees, charged with more security, you would present that as gross lending of £1.5 million, but the actual money that I as a company would have from you would be £500,000. Do you accept that going to gross lending, which is the target for 2010/11, can give quite a misleading position as to the amount of the bank’s money that has been placed with a company?\nEric Daniels: No, I do not believe it is misleading at all. I think it is a very accurate representation of the banks’ willingness to lend. The distortion that the net lending figure causes is, as Stephen pointed out earlier, in a recovery period, when you often see demand for lending go down a great deal, and so you see a lot of repayments. Companies want to get their balance sheets in order. What we see are two factors: one is lots of repayments among midsized companies, and among big companies not only repayments but also going to the capital markets directly. So increasing gross lending in that kind of environment I think speaks very well to the banks’ willingness to lend.\nQ123 Stephen Barclay: Did you not make those points to the Treasury when they set the target?\nEric Daniels: There were lengthy discussions with the Treasury when we set the targets.\nQ124 Stephen Barclay: So some of those criteria would have been factored into the original target that was set?\nQ125 Stephen Barclay: So you signed up to them with very little thought having been put into them?\nEric Daniels: No-if you will let me finish please. This was after a very complex negotiation on GAPs. At the 11th hour we were asked to commit to lending targets, which we did, but we also caveated those, because we were not given enough time to negotiate thoroughly. We basically agreed that it would be subject to demand-the demand had to be there-it was subject to liquidity, subject to having capital, and subject to creditworthiness. Those were the four conditions, and that was the agreement that we struck. It was not a lengthy negotiation: again, there was no time.\nQ126 Stephen Barclay: I t strikes me that there are relative priorities: on the one hand, the Government are saying they want you to lend more. On the other hand, every financial services party is saying they want you build your capital base up . The Bank of England is saying they want you to repay them more quickly, and your own remuneration is saying , "L et ’ s get the share price up, because that is what the bonuses will be paid on. " W hat is unclear to me is how you assess those relative priorities , or is it your argument that you can do all four at the same time?\nEric Daniels: Is there a question there?\nQ127 Stephen Barclay: There are four different priorities there. One of those, which we are just looking at, is the lending priorities, which you have missed on the commercial lending. I am trying to understand how you prioritise the lending priorities vis-à-vis what strikes me as different priorities that have been set-your own internal remuneration priority for staff, compared with some of the Government’s other objectives and the regulatory objectives, which are pushing in other directions. How do you prioritise those different issues, or are you saying that it is your expectation you will deliver all four at the same time?\nEric Daniels: I think you need look no further than last year. Last year Lloyds repaid some £60 billion of Government funding, first, increased its gross and net lending, increased its share price, working for the shareholder, and what was your fourth?\nQ129 Chair: Can I get an answer on that lending issue, because my note now tells me Lloyds did have a positive-apologies for that-but RBS had a negative on the net.\nStephen Hester: Let me take up your points. I think the first point is that we should be very clear that since I have taken the helm two years ago RBS has done everything it can and continues to do to support its customers in the UK, and is, as a consequence of those efforts, not only lending very large amounts of money but substantially in excess of our national market shares, as was shown on the Merlin figures that were published last month.\nBut if I could shed some light on an important apparent misunderstanding, the lending commitments were legally binding commitments, and if we had failed under them we would, could and should have been sued by the Treasury. My understanding is that the Treasury concluded there were not grounds to do that; i.e. there was no breach of them. I am not surprised that there was no breach of them, because I was heavily involved in the discussions at the time, when I had just arrived, with the last Government, which was obviously concerned to ensure that the recession was not exacerbated by a lack of confidence in financing markets.\nStephen Hester: I am trying to explain, so I hope it will be helpful to you. The key concern of the Treasury and Ministers at the time was that there would be a disappearance of foreign lenders in the UK market and an artificial credit crunch as a result of the disappearance of people who were previously lending a lot of money, and that artificial withdrawal of funds would make the recession worse. That was the concern. What the intervention with Lloyds and RBS was designed to do was to give reassurance that, if the foreign banks all disappeared and if credit demand continued at a very high level, there would be adequate capacity from the domestic banks to make it. The way that the targets-at least I can speak for RBS-were calculated was on a back of the envelope assessment, on short notice, by the Government and Treasury, of the kind of figures that foreign lenders represented, what the gap in the market might be if demand did not go down and foreign lenders disappeared, and therefore what increment might be required. Therefore, we said that we would lend up to this amount if there was a demand on creditworthy terms. Now, in fact what actually happened was two things: number one, demand, as it did in every other country and as it does in every other recession, in fact fell-it did not stay at the high levels; and secondly, foreign lenders did not leave the market in anything like the quantum that was feared. Those were good things, and as a result the lending commitment was met, but was met without the full amount being required, either by borrowers or through the complete flight of foreign lenders, so that is in fact what happened.\nChair: Nick wants to come in. We are going to have a vote in two minutes. Do you want to do it before the vote or after?\nQ131 Nick Smith: Very quickly: in both of your introductory remarks, Mr Daniels and Mr Hester, you talked about a handsome return for the taxpayers owning RBS and Lloyds’ shares. What is your latest estimate on what that handsome return will be?\nQ132 Nick Smith: I am sorry, I cannot hear you. Can you speak up?\nEric Daniels: I do not believe anyone can call the stock market in what will happen in the future. I think all the signs are very good: Lloyds share price increased quite dramatically last year as we returned the bank to profitability. I would hope that, as we continue to enhance profitability, the share price will continue to rise.\nQ133 Chair: So you agree with John Varley that there is nothing-it sounds to me as we draw this bit to a close-for you to apologise for?\nEric Daniels: I beg your pardon?\nQ134 Chair: You agree with John Varley, Barclays, that there is nothing to apologise for? It sounds to me, out of all this, that you are feeling fairly confident; you feel there is nothing to apologise for.\nEric Daniels: I am not sure I can draw the connective tissue from one statement to the other, but if you ask me in general, are we remorseful, or is there a cause for concern in what happened during the banking crisis, I would say absolutely yes. We had clearly a lot of shareholders who were dependent upon our dividends. We clearly have not paid a dividend, and that is disappointing.\nQ135 Chair: Taxpayer? We are here representing the taxpayer.\nEric Daniels: Again, as I stated earlier, I believe for the liquidity support that was granted, the CGS and the SLS, the banks paid at or above commercial rates, so the taxpayer did very well. In terms of the GAPs, which I understood was the primary subject of discussion today, in the case of Lloyds, we never formally entered into the programme, yet we paid £2.5 billion to the taxpayer to get out of the agreement, so I think the taxpayer did very well indeed on that.\nAs for the shareholding, I think I answered that question. I believe that as our share price continues to go up, and the bank continues to become increasingly profitable, the taxpayer will do very well indeed.\nQ136 Nick Smith: Mr Hester, can you answer my question please, as we seem to be going through the middle of the banker’s fight back here: have you got an estimate on what the taxpayer’s "handsome return"-your phrase-will be?\nStephen Hester: Obviously we have put out details of the fees we pay, but in terms of our future share price I am afraid I am actually legally not allowed to forecast it, nor is it prudent for me to do so, so I am afraid I cannot give you a share price for the future. Of course then it is not in our hands, not just what happens to the stock market, but whether, how, when and in what manner the Treasury, through UKFI, decides to dispose of the shares, so I cannot.\nQ137 Stella Creasy: Mr Daniels, can we come back to what the taxpayer can expect? When you do expect Lloyds to be paying corporation tax?\nEric Daniels: That would be a profit forecast, which I certainly cannot give you. What I would say is that Lloyds is well on its way to absorbing the accumulated losses, and nothing would please me more than having Lloyds pay corporation taxes.\nQ138 Stella Creasy: So when do you expect to be profitable?\nEric Daniels: We are in fact profitable.\nQ139 Stella Creasy: And yet you are able to defer that liability for corporation tax.\nChair: We are going to go do a vote, and then we will come back and pick it up. I am really sorry that it gets interrupted in this way: it always provides a difficult session. But we will get into it when we come back.\nQ140 Chair: A pologies for that . We had a couple of votes, which is very disruptive, but that is how the cookie crumbles. I just want to get back to this issue of value to the taxpayer, which is our remit, which is why we are focusing on it. You have both really justified that you believe there has been proper value to taxpayer s from the fees paid in the schemes in which you have participated. I hope you have had a chance to look at the Report that formed the basis for our inquiry. Have you had that? I am assuming that that has been distributed to you. We have taken evidence on that from Treasury officials: Tom Scholar, who presumably you have dealt with a lot. In his evidence and in the Report, if you have a copy of it, both the Report and his evidence state that the fees were well below commercial prices to get the stability and confidence back into the market. Quite proper good objectives, but nevertheless below commercial charges. Let me just see what he said; this was in evidence to us: "If you look at what subsequently happened to the commercial price of providing a similar guarantee, yes it is true, as the Report says, that the commercial price remained higher for longer than people were expecting." So the price that the Government was charging was lower. If you accept that, and I see that Eric Daniels is frowning, but if you accept that, how do you still come forward and say that you think that there is proper value to the taxpayer-that we have been properly rewarded out of the Credit Guarantee Scheme, for example?\nEric Daniels: If I may, Lloyds never entered into GAPs: we simply paid to leave the agreement that we had made in March, so I think the taxpayer got a very good deal.\nQ141 Chair: And what about you? You are well into it.\nStephen Hester: Of course. Forgive me, because at different points, I thought we might have been talking about value to the taxpayer from different things: obviously the Bank of England numbers, the price at which shares were subscribed, or the Credit Guarantee Scheme, but as I understand you now, you are talking very specifically about the Asset Protection Scheme.\nQ142 Chair: I am now focusing on that.\nStephen Hester: Got you. With respect to the Asset Protection Scheme fees, I think truthfully there was no-and indeed is no-private-sector equivalent insurance policy that was viable at the time that would allow you to say that the fee was high or low against something that was demonstrable. So by definition it is a matter of opinion. Clearly the board of RBS recommended entry into the scheme, and as a matter of legal duty could not have done so if it felt that the scheme in the round, in all of its terms, was wrong for its shareholders-82% of whom are of course, in the circular process, the Government-and so in that sense we did not feel that the fees were inappropriate.\nBut what I would say is that the Asset Protection Scheme, we believed at the time we entered it, and we said so publicly, was unlikely to cost the taxpayer anything. The taxpayer, we thought, would make a profit. At every stage of reforecast, that continues to be our view. I believe it is also the view of those concerned in the Government, and that is entirely appropriate; it was an insurance policy and I think the taxpayer should make a profit out of it. I have no complaints about that, but it continues to be the case, and as I say I think the taxpayer will make a profit out of that scheme, but I cannot tell you that there was a definite market price which the fees were higher than or lower than; there was not. So it was one entered into by both parties at the time.\nQ143 Chair: And the Credit Guarantee Scheme, where, if I just read from the Report-I will try not to read the lot-"the fees charged to banks under the Credit Guarantee Scheme to guarantee new wholesale debts were designed to be on a commercial basis, but not so large as to prevent banks from using it, but sufficient to provide a reasonable return … However, we estimate the benefit"-I am skipping a bit, so apologies for that-"is substantially more than £1 billion."\nStephen Hester: If you mean the benefit to the taxpayer, I do not know, but I know the taxpayer has made a big profit on it.\nQ144 Chair: I think it was to the banks. That is the benefit to the banks.\nQ145 Chair: It provided you with cheaper money.\nStephen Hester: -was calculated in order to represent market prices. But it is also true that that guarantee was not otherwise available from someone else, and so one can have a debate about whether the market prices were theoretical or not.\nQ146 Chair: But it allowed you access to wholesale funding at a cheaper rate. Or probably wholesale funding full stop , and then wholesale funding at a cheaper rate.\nStephen Hester: No, the cost of the wholesale funding plus the guarantee cost was calculated such that it was equivalent to the notional cost that you would have otherwise borrowed without that guarantee. However-and as a consequence the taxpayer has made a profit-what I am saying is that we are dealing in notional cost, and in fact that borrowing would not have been available in those amounts, and therefore it is impossible to know the counterfactual of what you would have borrowed at actually as opposed to theoretically.\nQ147 Stella Creasy: So you disagree with the Treasury, who acknowledge this subsidy and are reviewing the fees?\nStephen Hester: -I do not know whether I am disagreeing with the Treasury or not.\nQ148 Stella Creasy: The Treasury recognise that they have subsidised you to the tune of a billion pounds.\nStephen Hester: I am saying to you that the Treasury has made a profit, and the value of the guarantee was set in a way that was designed to be market priced. However, there was a degree of theory as opposed to practice to that because it was impossible to test, and indeed it is entirely probable, within the market conditions of the time, the theoretical prices would not have pertained, and so that is what I am saying to you.\nQ149 Stella Creasy: So there was a subsidy, then, essentially of a billion pounds? You would accept that it was not value for money for the taxpayers?\nStephen Hester: Did the taxpayer make a profit? Yes. Was it calculated in a theoretically accurate way? Yes.\nQ150 Stella Creasy: Did you get a good deal?\nStephen Hester: I think that the banks needed that support. The banking system needed that support.\nStephen Hester: I think just because one side thinks it was the right thing to do does not mean to say it was the wrong thing for the other side. It could be right for both sides, and I would submit to you in this circumstance it has been right for both sides.\nQ152 Stella Creasy: So you think it is right for us to subsidise the banks to the tune of a billion pounds in the Credit Guarantee Scheme.\nStephen Hester: I do not recognise that figure; what I am saying to you is I think it is right that the taxpayer has made a substantial profit out of this scheme, because the taxpayer was giving something valuable to the banks. Theoretically that was priced on an arm’s length basis. Whether in reality, and by what amount, it was not, I do not know.\nQ153 Chair: I have to say that I think you have to take a very narrow view of profit, because the wider impact of the banking crisis can hardly have been a profit. Can I move back to lending, because that was where we were? I just wanted to clear up that point. You both feel that you are lending well now. I have some quarrel with the way the target has been devised. Also, I did not want to intervene too much on you, Mr Hester, but I do have some quarrel to say you did not meet the target set in 2009. Okay, nobody took action against you, but you did not meet it. Recently we have had the Engineering Employers’ Federation report, which I assume you have seen and we have too, which accepts that cash is beginning to flow, but what they have said is that about a third of their companies are finding that the costs of borrowing have increased substantially, particularly-and this is the interesting thing-in the last couple of months. The impact will be more on SMEs than it will be on others, the larger FTSE companies, who can raise it through bonds and equities. Again, going back to our remit, the taxpayer’s interest, the deal is taxpayer puts money in, and what we hope to get out is better lending to businesses, and particularly the SME sector. What is your comment on the Engineering Employers’ Federation finding?\nEric Daniels: I do not really have much to comment on; I disagree with it. The cost of borrowing for SMEs has not been this low for many years, and what we are seeing is, in fact, some increase off very low levels, which reflects the higher cost of funding for the banks. As we all know, the markets, over the past year, whether it was last May, last September or more recently in February, got quite jittery when the possibility of contagion from Greece, Spain or Portugal and so on was looming. So the cost of funding for the banks has gone up, and that is reflected in some part-not across the board, but in some part-in new lines and facilities for our customers.\nQ154 Chair: Do you want to add anything?\nStephen Hester: The average cost of SME loans that RBS made last year was 3.5%, and, as Eric says, that of course, by historic standards, is extremely low. What is true is that relative to base rate there have been some changes, but if I can draw an analogy perhaps apposite to the moment, it is a bit like petrol prices going up, and the reason petrol prices have gone up is because the cost of buying oil, out of which petrol is made, has gone up. Exactly the same thing has gone on for banks: the costs relative to base rate for banks to get money has gone up, and so consequently that is passed on, even though the absolute rates are historically low.\nMrs McGuire: O n this s ubject, I would quite like to just do a very quick follow up on what has just been said.\nChris Heaton-Harris: Mine is as well.\nQ155 Chris Heaton-Harris: It might even be the same thing. First of all, thank you for coming, because it is not often a group of politicians meets someone less popular than themselves, so it is really kind of you to give us that sort of charitable feel. It is really a question to you, Mr Hester. I imagine most of us around this table have had constituents and companies write to us, small businesses especially, who are having problems securing loans, and in 2009 Peter Ibbetson, who is your Small Business Chairman, said that 93% of SMEs are currently able to roll over overdrafts at RBS at the same or lower rate. I was wondering, if he measured it then, what is that measure now?\nStephen Hester: I do not have the precise percentage. I do not think it has changed a lot, but I am very happy to write to you afterwards to confirm that. But our overdraft price promise, which I think is the primary component of what was put in, remains in place.\nChris Heaton-Harris: I am happy to pass over to Anne.\nQ156 Mrs McGuire: I would just like to question the 3.5% average. Obviously Mr Daniels did not give us a figure for Lloyds’ average lending to small companies. Frankly, 3.5% lending to small businesses does not chime with what we are hearing out there, and I am wondering whether or not there are other costs that need to be taken into account when small and medium enterprises are trying to access finance. I do not have permission to reveal some of the details here, but certainly the small businesses in my area did not give the impression-and it has been verified with your bank by me, through questioning the bank-that 3.5% was anything like what they had been asked to pay. Are there fees, or have the fees gone up? Have the securities that have been asked for gone up?\nStephen Hester: Clearly the figure I gave you was an average, so there will be some above and some below. You are correct to say that for some kinds of borrowing, in addition to that there can be fees associated with taking out the loan, or whatever it might be.\nQ157 Mrs McGuire: Have those fees increased?\nStephen Hester: And those fees, probably on average, have increased.\nQ158 Mrs McGuire: Once, twice? 50%, 100%?\nStephen Hester: I think I can say with great certainty that, even when you take account of fees, the average cost of borrowing for SMEs is amongst the lowest it has been in decades. However, it is higher relative to base rate than it was, for the reasons that I have sketched out. Another way to think about it is, if you like, are the banks profiteering? In other words, are the banks taking, somehow, an inappropriate margin out of the middle between their cost of borrowing and the others?\nWhat I can say, again, is we publish our figures every three months on this, and if we take our Corporate Lending division, our UK division that lends to businesses of all sizes, the return on equity of that division has obviously been loss making through the recession and very low, and so is not a good advertisement for our shareholders, but has now got back to below our target, but roughly to 12%, which we think is roughly our cost of capital. So you can see no evidence either on the bottom line of profiteering, or indeed on the average for businesses. But it is certainly the case that, in the same way that petrol prices have gone up, bank input prices have gone up, and that gets passed on through different means. It has to be.\nQ159 Mrs McGuire: So if I say to you that a farmer in my constituency came to me who had previously had an arrangement fee to sustain his overdraft, or to maintain his overdraft, increased from £500, I think, if my memory serves me correctly, to almost £5,000, that would not be considered profiteering? I have to say to you, one of the arguments that is constantly put to Members of Parliament is that as a taxpayer I own 83% of this bank, and people feel that those dramatic increases in arrangement fees are perhaps hiding the true costs of borrowing.\nStephen Hester: As I said, I think our numbers are very transparent, and you could look at them every three months, we publish them as to what our profits are, and what that is in each of our business lines, so you can see the aggregate. Of course, that does not tell you the answer for any particular borrower, but you can see what the average is. And again, using my petrol price analogy, petrol prices have gone up fast and a lot, but that was because oil prices went up fast and a lot, and exactly the same has happened with the cost of borrowing for banks, which in turn is, if you like, our goods that we sell to customers in the form of lending.\nQ160 Mrs McGuire: But they have not gone up 10 times. An arrangement fee from £500 to £5,000 sounds to me like a tenfold increase.\nQ161 Chair: Mr Daniels, do you want to add to that at all on this exchange?\nEric Daniels: That is a very complete answer.\nQ162 Mr Bacon: We have heard different Members from different parts of the country. In my own constituency, which is in East Anglia, in Norfolk, I met with the Federation of Small Business on Monday morning, and the predominant theme that I was told about-it was really for them to talk to me, rather than me give them a speech-was the difficulty in accessing bank lending.\nAustin Mitchell: The same here.\nMr Bacon: When I was first elected in 2001 that was not the case. I did not get business people banging on my door about that, nor in 2002, nor in 2003, and so on until the banks between them crashed the whole world in 2007/08. Obviously there have been huge problems since then-we are all trying to get out of the mess, you are all trying to get out of the mess. I do appreciate that you are being told to do things that are contradictory. I think Mr Barclay alluded to this earlier: you are being told to lend more; you are also being told to conserve your capital-your natural instinct, I suppose, is to protect your capital if you are not sure about the quality or the value of your assets-and you are also being told to strengthen your capital and improve your balances sheets, and it is very difficult to do all of these things simultaneously. In fact, some of them are obviously completely contradictory. But nonetheless it is the case that you are saying that there is a lot of lending happening, and we are all getting the message from different parts of the country that it is very difficult for business owners to access the loans that they need.\nI had one example of an individual who set up a business three or four years ago. He found it easier to access money then, when he was setting it up, than he does now when it is successful, cash generative, and he wants to invest in equipment because it will help him to get leading edge, blue-chip customers and help him to grow and possibly take on more staff. Why is there this disconnect between these two world views? Mr Daniels, do you want to start perhaps?\nEric Daniels: I think that we have a couple of things to look at. One is: what is the real demand for credit? I know there are a lot of anecdotal stories, and if there is a particular member of your constituency that has an issue with Lloyds, I would very much appreciate it if you would write to, in this case, Mr Tookey, but we would be very anxious to hear about that in Lloyds. But I think if you look at the evidence it says that the actual overdraft usage or line utilisation usage-so in other words, we extend the line of credit and you can draw it down any time you wish to-is actually falling. So this is already preagreed, there is a preagreed price for it, the facility is there, but customers are not drawing down; they are drawing down less than they did before. So that says something about demand.\nThe other thing that I would tell you is that, if we look at the market in 2006/07, which you alluded, to when your constituent was starting up, we had an awful lot of flaky lending in the marketplace. You need look no further than Ireland or Iceland or some of the continental banks that were very much in the SME market in the UK. They were in the mortgage market. It was a lending freeforall. So covenants came down, conditions were almost nonexistent, pricing was ridiculously low: that is not an appropriate way to bank. What was happening was we were seeing an awful lot of competitors-especially not the main competitors-changing conditions and changing the market, and an awful lot of people who probably were not really terribly creditworthy, and if we had been sensible as a society we probably would not have allowed them to get into debt. It was not good for them, it was not good for the economy and it certainly was not good for the banks. But that was the frenzy that we were in. Today we have hopefully all learned lessons. We have returned to some much more traditional practices and rules around prudence.\nQ163 Joseph Johnson: A question to Mr Hester and Mr Daniels please. You have both, to a greater or a lesser degree, got the dead hand of the state gripping the entrails of your respective organisations. Mr Hester, you have been quite explicit in recent weeks in identifying a certain amount of talent flight from your organisation. I would be interested to know to what extent you feel that is due to the large Government shareholding in your organisation.\nStephen Hester: This is in some ways a difficult position, because I think we need to be crystal clear that RBS would not be here today were it not for support from the state, and so while some consequences go with that, I think it would be entirely unbalanced to not start with that recognition and say, if there are some consequences, the outcome is worth the consequences. So that would be my first answer.\nThe second point I think is that all businesses, whether or not they are owned or partly owned by Government or by the state, I think have a duty, and it is good business practice, to try to be sensitive to the environment in which they operate, the communities that they serve, and there are sometimes tradeoffs in doing that, and I would like to think that a number of those issues would be true of us whether or not we had compromises, if you like, and whether or not we had state ownership. But in a sense there is a time for everything, and I think what I would say to you is that the time, I believe, is fast approaching when the benefit to both the state and RBS of the state privatising increases. Clearly the state can use the money in terms of budget deficit, and in terms of the symbolism of economic recovery that a privatisation would represent. In the case of RBS, there is the worry that RBS is somehow subject to different, more conflicting and more complex requirements than all of its competitors. So I think the right answer to this is not to, in a sense, bemoan the past-far from it, we have to be grateful for the past-but more to say the right way going forward, the winwin, is to advance privatisation when that is possible.\nQ164 Joseph Johnson: Can I put the same question to Mr Daniels, please?\nEric Daniels: I do not believe that we have lost significant numbers of people. We have a natural attrition in Lloyds of somewhere around 10% of our people per year. We are not seeing anything really remarkably different from that.\nQ165 Joseph Johnson: Great . T he follow up question to both of you is what top rate of personal income tax do you think is consistent with London maintaining and perhaps enhancing its position as one of the world’s important financial centres?\nAustin Mitchell: It is an optional question.\nEric Daniels: I would not begin to know how to answer that question.\nQ166 Joseph Johnson: You do not have a view?\nEric Daniels: I could not begin to answer it.\nQ167 Joseph Johnson: In what sense?\nEric Daniels: I have never studied it; I do not have a basis to offer an opinion. I think it is a complex subject, and if I were to give you an answer, it would superficial at best.\nQ168 Mr Bacon: How much truth do you think there is in the point-made by a parliamentary colleague of mine who used to be a swaps trader for many years-that a lot of this bonus culture is nonsense in the sense that lots of people would not leave London because they like London too much. London has too much to offer compared with virtually everywhere else. If you are out in Geneva at eight o’clock in the evening it is dead; there is nothing to do. Whereas in London there is plenty to do, everything to do, and it is one of the world’s greatest cities, and that in itself has a centripetal force that is probably more important than bonuses, and the talk that somehow you have to keep up the bonuses at the right level, otherwise everyone will suddenly up sticks and get on a plane, is overstated.\nEric Daniels: Is there a question?\nQ169 Mr Bacon: Yes, the question is do you think it is correct that that is overstated?\nEric Daniels: I think that that may not be the right measure. I might ask, "How does change happen?" It rarely happens with the bank: it happens over time and it happens on the margin. What we do know is that a particular bank hired more people in Singapore last year than they did in the UK. If you look at the rise of the Dubai financial centre, again, you are seeing more and more jobs going over there. It is not the middleaged derivatives trader who has two kids in school and so on: it is the young, up-and-coming 25-, 28-year-old who is looking to build a career, and they see that their prospects are brighter elsewhere.\nQ170 Mr Bacon: So you m ight not see it other than almost imperceptibly, but if you look back on it several decades later, you might suddenly realise there had been a very big change.\nQ171 Jackie Doyle-Price: I am just reflecting on what you particularly said, Mr Daniels, about the fact that risk had been in the price for many years in the run-up to the banking crisis, and that is what got us into this mess, and looking also at the targets and the caveats you have placed on it in respect of demand and creditworthiness. Where that takes me is, I am reassured from a taxpayer value-for-money point of view that the taxpayer is not just going to be standing in there supporting poor credit risks. But in that sense, to what extent are those targets having any meaning at all? For you, are they targets, are they aspirations, and how confident are you that you will meet those lending targets for businesses particularly?\nEric Daniels: I am absolutely confident I will not since I am no longer in the chair.\nQ172 Jackie Doyle-Price: As a sector then, how confident, looking at it-can I then conclude that they are meaningless?\nEric Daniels: I think that question might be better asked of Mr Hester, who has something to do with it.\nStephen Hester: I think that the job of maximising support for customers in the UK is one that, in any event, the banks should be doing the most on because that is their business, and I believe the banks certainly-it is true of RBS-are doing even more than perhaps in any event they would be in response to the obvious needs of society, one manifestation of which is the political dialogue and the lending commitments that are associated with that. We can see that as an example in the context of RBS’s market share, but I see that every day in our internal workings.\nWhat, however, is unfortunately the case for those who would like a neater world is that no one can tell you today what amount of borrowing UK business can usefully use in the coming year, and we do not have a centrally planned economy, and even if we did I do not think you could answer that question. It is of course the case that an element of what is being done is to build confidence. I think this is a crucially missing bit of the dialogue: crucial to economic growth-and the UK is in trouble if we do not get economic growth-is confidence. There are lots of bits of confidence: a piece that the banks can help with is the confidence that if people have a good proposition, a bankable proposition, that money is there and people are trying to help them now. Banks have many flaws, there are many individual cases where I am sure they can do better, but I do think that we take it very seriously that it is our job to first give people confidence and second to back that up with substance where it is bankable. What we cannot do is, in a centrally planned way say, "That will definitely be amount of money x or y, and here you can have it regardless of whether you have the right proposition or not."\nBut this issue of confidence should not be ignored, and I do think that one of the important changes in recent months is that people have realised that looking backwards all the time and recriminating all the time and, if you like, looking on the negative side of life, is not going to help us grow. It is very important to learn from the mistakes and put them right, but in the end what we need to be doing is looking forward, trying to get growth and wealth creation, and the banks have an important role to play in the business confidence to start with, and then in the provision of support when the right propositions come along behind that, and that is what we need to do. We are doing it imperfectly; we need to try to continually perfect that.\nQ173 Jackie Doyle-Price: And the continued presence of the taxpayer in the banking system is enabling you to do that, let’s be frank. One of the things you said is that you are doing more than perhaps you wanted to. What we have seen is-and you have both made this point in different ways-that many businesses have been reducing their credit exposure and turning to other sources of finance. To what extent is the taxpayer being asked to prop up the riskier side of lending?\nStephen Hester: Although you could not often tell it from public debate on the subject, I do not believe, when you sweep aside the debating points, that Government is actually asking the banks to go back and do some more reckless lending. I do believe that most people think that the banks should try to lend responsibly and support their customers in that way. In that sense I think the banks are trying to both lend responsibly-as Eric has pointed out, in some instances that means differently than in the past-whilst at the same time trying within that envelope to support their customers. Certainly when I think of the people on the ground in RBS, and again I am sure there are many individual cases where we get it wrong so I am not in any way trying to say that we are perfect, they know that they have to try and find a way to support the customer. We do not always succeed. 85% of the time, if a small business asks us for a loan, we say yes. Sometimes with us that small business has to jump through more hoops than it might have done in the past: more covenants, more financial disclosure. Because the business may be weaker, it may be suffering with the recession; standards may have changed. One way or another we are trying to keep the same flow of money going as we did before, at least in terms of your likelihood of getting a loan.\nQ174 Jackie Doyle-Price: Are you pricing that risk effectively or is the taxpayer supporting that?\nStephen Hester: Of course hindsight is a wonderful thing; the banks thought they were before and they were wrong. Right now the banks are trying to price risk effectively. Whether that is indeed what we will have done will take some years to find out, when you look in the rear-view mirror and find out what actually did happen to the economy and so on and so forth. That is certainly the intent.\nQ175 Chair: Mervyn King said rather worryingly in the interview he gave recently in the Telegraph, which I assume you also saw, "The search for yield goes on. Imbalances are beginning to grow again." You paint this rather rosy picture, but the Governor of the Bank of England appears not to agree.\nStephen Hester: I do not know whether this was what he was meaning, because I was not present when he made the remark-I am always nervous about interpreting from newspaper articles-but I think the point is very important to understand, and I think we do all understand: what happened to the world was as a result of a series of unsustainable economic imbalances, many of which are still out there. The banking system had a big part in that but not a sole part in that. It is incumbent upon the whole world to keep working away at economic imbalances, whether it is, in the UK, our fiscal imbalance, our balance of payments imbalance, the imbalance of household saving versus borrowing, the imbalance that was in banks’ balance sheets. There are a whole series of these things which still have not been corrected and will probably take a lot of years to correct. That is why it is so important that all of us work together to do so.\nQ176 Chair: Take his comment at face value, which is the only way we can do it; it was in quotation marks so I assume that he did say it. "The search for yield goes on. Imbalances are beginning to grow again". You would challenge that, would you?\nStephen Hester: I am not going to comment on remarks that I only read about in the newspaper. I think it is wrong to do that. All I can say to you is: the problem of imbalances in the world has not been fixed. To some extent the first steps of the cure made worse imbalances, because the first steps of the cure in some countries were to increase budget deficits and other kinds of imbalance which then subsequently need to be worked down.\nQ177 Chair: I do not think he is talking about Government budget deficits, he is talking about banks. If you do not want to answer it, say you do not want to answer it.\nStephen Hester: I am doing my best to answer it.\nQ178 Chair: It is pretty clear to me. Mr Daniels, do you want to comment on that?\nEric Daniels: I have nothing further to add.\nChair: What does that mean? Do you think he was right? He is wrong?\nQ179 Stella Creasy: Let’s turn to something else he also mentioned in the article, which is a very big debate that is happening here in Parliament and something that I think all of us look at when we look at the value for money of the decisions that were made over the last couple of years to invest in the banks. We have not solved the "too big to fail" problem. In fact, let me quote from Mervyn King directly. He said, "We've not yet solved the ‘too big to fail’ or, as I prefer to call it, the ‘too important to fail’ problem. The concept of being too important to fail should have no place in a market economy". If your banks were to collapse, the Government would have to step in to protect your customers. As we have all talked about, many of our constituents are customers of yours and to prevent there being a contagion to other banks is something that we dealt with the first time. Implicitly you are still guaranteed by the taxpayer. What needs to be done to end the "too big to fail" culture? Is it to break you up into smaller banks? If not that, what else can be done?\nEric Daniels: Think about what has happened over the past couple of years in terms of the much stiffer capital requirements; Core Tier 1 did not exist as a concept in 2008, and today all banks run with very high levels of shareholder capital, much higher than there has ever been in the past. In the case of Lloyds, we now carry 10% of Core Tier 1 and 15% overall capital. Those levels were unheard of a few short years ago. In addition to that there has been an enormous amount of work done on liquidity regimes. We all know that banks do not go bankrupt because of capital but rather because of access to liquidity. Again, an enormous amount has been done. The amount of liquidity that any bank holds today is many multiples of what they carried in the past. I think those are two important changes that should not be overlooked.\nIn addition to that, I think there has been a tremendous amount of re-examination of the system of regulation, of understanding some of the risks that probably were not well understood before. That gives a better safeguard to society in terms of managing those risks. The final thing that I would point out is "too big to fail" is perhaps a misnomer, or perhaps does not aid understanding. What is probably more difficult is when a bank is enormously interconnected and complex. That is what makes a resolution regime very difficult. In the case of Lloyds, for example, we are a very straightforward business. The Bank of England has basically told us that they believe we are in fact straightforward; it is easy for us to be resolved, if you will. I do not think it is a bigness issue, it is a complexity issue.\nQ180 Stella Creasy: Just so I am clear Mr Daniels, you dispute the analysis of Mervyn King. Can I also check, then, whether you think there should be any concerns to us as taxpayers about the size of market share that Lloyds now has as a result of the changes over the last couple of years, that, in terms of competition for consumers, the dominance that you play within the mortgage and savings industry is not a problem? You do not see that there is a problem for us as consumers, that you are too big for the British market now.\nEric Daniels: No. I think this is a very, very highly competitive market. It is a good deal less concentrated than many other markets, for example, Canada, Australia, and France. In fact it is less concentrated. I think that every study that I have seen has said that UK consumers get very, very good outcomes in terms of pricing. What really matters is not the size or concentration, it is the contestability. What you see in the UK is a lot of discounting. You see a lot of free offers, a lot of interest free periods and so on. That is because it is such a fiercely competitive market. A zero balance transfer on a credit card is a relatively common thing because the banks fight each other for market share. That leads to very good, top quartile consumer outcomes. I do not believe that the size of Lloyds or any other UK bank impedes competition. Indeed, the OFT is charged with looking and examining whether they think the consumers are getting a worse outcome because of the size or structure of the industry.\nQ181 Stella Creasy: So the Governor of the Bank of England is wrong and a 30% market share is not a problem. Mr Hester, what is your view about what the Governor of the Bank of England said?\nStephen Hester: Again, I am not going to be tempted by your invitation into a slanging match with anyone as distinguished as the Governor of the Bank of England.\nQ182 Stella Creasy: I am not tempting you to a slanging match at all; I am asking your opinion. Are the British banks too big to fail?\nStephen Hester: What I would say to you is as follows. Of course, coming in to RBS as I did at its point of near failure, it was of intense professional interest to me as to what caused failure; what to do about it; using RBS as a specific example, how to make banks safe again, in addition to what parallels there were in the rest of the banking industry. It was something I have spent a great deal of time on and thought on. RBS is, I hope, an exemplar of the things we needed to put right. I believe that I have been very clear that very substantial reform was needed in the banking system.\nWhat I have also been clear about, though, is my belief that size and shape are complete red herrings in this debate. When you look at the banks that were weakened and failed, or nearly failed, there is no pattern of size and there is no pattern of shape. In fact, the majority by far were small and simple: Bradford & Bingley, Dunfermline Building Society, Northern Rock. Think of, today, banks that are relatively weak: the Spanish Caixa and so on. Regardless of size and shape, it has been my view that the banking industry needed very substantial reform that would apply whether you are big or small, simple or complicated. As I said earlier on, but just simply to reprise it for you, the two components of that were to make each bank safer with more capital and more liquidity-Eric has spoken about that-then to put in place mechanisms that, even if despite that extra safety there was failure, you did not go to the Government for capital support, but you went through Co-Cos, bailouts, your own creditors in a resolution regime. I believe that when the current banking reform process has been completed and the international Basel Committee, on which the UK is well represented, is mid-stream, that we will indeed have achieved those goals and made banking safer for society as we should have done. That would be true whether you are a big bank or a small bank, a simple one or a complicated one.\nQ183 Stephen Barclay: Firstly can I say, I agree with Mr Hester’s comment that it is important that we learn from the mistakes and look forward. Could I just pick upon something that a senior executive at Lehman Brothers said to the Fed, or was quoted as saying. He said, "We do not know what the value of our derivatives liabilities are, and frankly neither do you". Just starting with Mr Daniels, what has changed in the way you managed your derivatives liabilities? Was it right to present those in terms of a net position and is that still the case in your approach; I am talking about how you manage your counterparty risk?\nEric Daniels: I am not quite sure I grasped the question. You are asking "Have we changed the way in which we manage derivatives?"\nQ184 Stephen Barclay: What I am asking is: you as a senior executive have to understand what is on your balance sheets, the assets, what we as taxpayers have invested in and the risk that is posed to them. A lot of companies, in term of their derivatives trading, were presenting that in terms of net-you understand these issues very well-for example, in terms of the position between your trades with Barclays. There is a counterparty risk if Barclays goes down and there is a difficulty in terms of how that is quantified, how that is then studied. PRIN 3 and PRIN 4 and SYSC have certain requirements in terms of how you manage your liabilities there. What I am saying is there are clearly faults in the way it was happening two or three years ago. What has changed in your approach?\nEric Daniels: I think one of the things that I should clarify before answering is that Lloyds is a commercial and a retail bank. While we will use derivatives, for example, in investment banking products, we use them only really for flow. In other words, if a manufacturer in the Midlands wants to hedge their interest rate-in other words they have a floating rate loan, and they want to lock in the rate of interest-we will sell them a derivative. Once we sell to them we have an open position. We lay that off within an investment bank. So for a very short period, what we will do is in fact have a derivatives exposure. But really the use of derivatives for us is mostly flow to serve customers. We do not use it as a trading position, a proprietary position. Do we in fact have some exposure to it? Yes, of course we do. What we do is we manage our limits very carefully, as we always have.\nQ185 Stephen Barclay: If you had been here three years ago you would have said you manage your limits. That was not my question. My question was, have you changed your approach? Do you still present that from a net position, or have you changed your approach in term of counterparty risk?\nEric Daniels: Tim, I don’t know whether you have anything to add.\nTim Tookey: We report this information gross. As Eric said, we manage it very tightly and we know what our positions are and how they are valued on a daily basis. On top of that we very carefully analyse the counterparty risk that you are referring to on the asset side of all exposures, whether that is the company in the Midlands that Eric was using in his example, or indeed the third party to whom the risk would have been laid off.\nQ186 Stephen Barclay: Perhaps you can help. I am a generalist; I am not an expert as you are in these matters. I just had a scan this morning of your preliminary report from a couple of weeks ago, and on page 125 it says, "The Group reduces exposure to credit risk by using master netting agreements … These do not meet the criteria under IAS 32", whatever that is. What that suggested to me was that you are presenting these in a way that does not meet international accounting standards. As I say I am not an expert, but why are you not presenting them in a way that meets international standards? Are you presenting them in the same way you would have done three years ago?\nTim Tookey: I am very happy to confirm that we do present all of our financial information in accordance with international financial reporting standards. That is the basis upon which our accounts have been done since IFRS were introduced in 2005. Our auditors report publically on the basis of preparation of the accounts, and that is indeed what they have given us.\nStephen Barclay: Sure, you go through the various legal checks before one signs those off.\nTim Tookey: It is more than that. It is actually a certificate from the external auditors who obviously owe a duty of care to shareholders to ensure that we do indeed comply with international accounting standards.\nQ187 Stephen Barclay: You bring me very nicely onto the auditors; I was going to come on Mr Hester’s auditors in a moment, but it is timely. After 10 months of intensive work by the Treasury, the Accounting Officer of the Treasury had to seek a letter of direction because-it was before your time I accept-they were unable to confirm the validity of what your firm was saying in terms of the assets of the company. What does that say about the quality of the external audit work that was done?\nStephen Hester: I think that the first thing I would say is that there were lots of things RBS did not do well. Our job is to improve on those things. One of the things that it did not do that well was to have perfect books and records, computer systems and so on and so forth. There are countless amounts of millions of pounds and man hours and management effort going in to improve that alongside the many other things that we are trying to improve. That would be the first point that I would make to you.\nThe second point that I would make to you, in relation to the specifics that you are referring to-to which my first point also refers-is that the Asset Protection Scheme I think covered something like 3.5 million individual loans in RBS. No bank in the world, RBS or any other, ever had designed its systems to aggregate information in the particular way that was called upon by the Asset Protection Scheme and the different safeguards that a Government agency was used to getting. If I can give you a parallel, it would be a little bit like someone suddenly coming along the top of the UK Government saying, "We want to get every patient record from the NHS, every record from Work and Pensions and bring them together".\nTherefore there were imperfections in the systems but, simply, systems were not designed to gather information in that particular way. I believe that even though I think RBS needed to improve and has been improving, not for this reason but in general, it remains substantively the case that there have been no instances that threaten the taxpayer as it relates to APS. There is no prospect that the taxpayer is going to be on the hook for anything under this category or otherwise in APS, as we do not expect to claim. So I think as it relates to materiality, the Treasury were quite right to sign off and nothing has come out since that suggested that that was a misjudgment.\nQ188 Stephen Barclay: That is a different issue you are moving onto. First of all, Mr Tookey’s whole argument a moment ago was this was looked at by the external auditors. What that case demonstrates is a serious failure by the external auditor in all of this.\nStephen Hester: Do you want me to finish or not?\nQ189 Stephen Barclay: You are suggesting it was perhaps the unreasonable request of the Treasury asking for information in a particular form that was different. Look at what Tom Scholar said when he gave evidence: "Given what we discovered about the quality of risk management and the poor systems and controls within the business, we were concerned that there might be other problems that had not come to light." He was not suggesting we were asking for information in a particularly unique format. The point is there was a regulatory duty under SYSC for you to manage your controls. You had external auditors who also were under a duty. Yet after 10 months of intensive work by the Treasury they could not rely on it. What I am trying to drive at in my question to Mr Daniels in terms of how they present their information on derivatives is, what has actually changed? What has changed in the way these are being done and in the way that these risks are being presented?\nMrs McGuire: For example, do you still have 21 different IT systems, which was one of the issues raised by the Treasury?\nStephen Hester: We still have lots of different IT systems. It will take many years for us to reduce them, and the work is ongoing to do so. If I may, I am not saying that RBS’s systems were up to scratch; I said to the contrary. What I am saying, though, is that the shortcomings that were pointed out were not of a magnitude to have led to losses to the taxpayer. Since I have come into RBS I have tried to understand whether there were things hidden in cupboards that were unknown that represented big risks and loss. Perhaps sadly, what I can say to you is that from the inside of RBS, what I discovered was really just a Technicolor version of what one could have seen from the outside. Indeed, though there were many of them, the specific shortcomings in the systems area have not led to material losses for either the taxpayer or our shareholders. The material losses, and they have been huge, came from big things, big misjudgments, big areas of concentration that were on display.\nComing to your point on derivatives, I think the management of derivatives has substantially changed and continues to change across the industry but certainly in RBS. By the way, the overwhelming majority of losses that RBS will have suffered across the cycle-and it is true of other banks-comes from bog standard lending, not from derivatives. Derivatives was a tiny fraction of where the losses arose.\nQ190 Stephen Barclay: The report suggests a £1 million deterioration in three months on junk bonds.\nStephen Hester: Junk bonds are not derivatives; they are loans, they are bonds. There has been a huge amount of work on derivatives to improve the ability, which was a problem in Lehman, to offset liabilities in a legal way if you like, netting agreements. There is a huge amount of ongoing reform to clear derivatives and trade them across exchanges and through central counterparty clearing. Then there has been a huge amount of work done by all banks, certainly by RBS, to refine valuation to make more conservative reserving and to improve the risk management overall. I can certainly say to you that there has been a great deal of work. It is ongoing. It is certainly true of RBS, and it is true of the industry as it relates to management of derivatives.\nQ191 Austin Mitchell: I want to move on to bonuses, which are effectively part paid by the taxpayer. I see that RBS paid out £28 million in bonuses to nine executives. We are told that this was done after exhaustive consultation with our shareholders, one of which is me. How was I consulted? How was the public consulted? How was the Government consulted on this?\nStephen Hester: There are two forms in which that took place. Every year the remuneration policy and the remuneration decisions are up for vote and all the shareholders can vote as they chose on the remuneration report. Secondly, the objectives that are set both in the remuneration report and the objectives that are set for me have been reviewed each year by UKFI on your behalf. Thirdly, prior to the payment of bonuses at RBS, the Chairwoman of our remuneration committee conducted an extensive shareholder consultation, including UKFI and our major institutional shareholders, with a big fat presentation pack going through all the aspects of bonus policy and taking into account that feedback. That is the format in which the consultation has taken place. I think it is more extensive than was the case before.\nQ192. Austin Mitchell: It was given effectively by UK Financial Investments.\nStephen Hester: I cannot speak for them as to what processes they go through to decide their vote, but obviously they are the holder of the shares in RBS and Lloyds. I think they undertake that task with great thoroughness.\nQ193. Austin Mitchell: Just in passing, I see from Private Eye, which is an infallible source on banking matters, that the head of UK Financial Investments is Mr Robin Budenberg who was a great giver of bonuses at UBS. He had his bonuses at UBS channelled through Jersey so he did not pay tax. Did you do that?\nQ194. Austin Mitchell: But the bank has lots of subsidiaries in tax havens like Jersey.\nQ195. Austin Mitchell: The taxpayer now owns lots of banks in tax havens doesn’t it?\nStephen Hester: I think the population of the Isle of Man, where we happen to be one of the larger banks, would feel a little bit resentful if you were characterising them as all there because it is a tax haven. There are real economies in places that have got low tax rates, as well as high tax rates.\nQ196. Austin Mitchell: So these are just for tax avoidance purposes then.\nStephen Hester: Do people live in the Isle of Man for tax avoidance purposes? You must draw your own opinion.\nQ197. Austin Mitchell: Profits made in this country, channelled through the Isle of Man , are done for tax avoidance purposes.\nStephen Hester: As I was saying, I do not believe that RBS has been the subject of particular criticism as it relates to its aggressiveness on taxation. If you can show me contrary evidence, obviously I would be very pleased to look at it. We have signed up to the tax code and I think our affairs are completely in order.\nQ198. Austin Mitchell: Let me ask you about your bonus of £7.7 million, which is well beyond the dreams of your average PPE graduate when he leaves Oxford. Is it that you had produced some outstanding enormous profit for the bank or was it just that you are a greedy banker? What have you done for the £7.7 million?\nStephen Hester: I think this is a subject that is perhaps inappropriate for me to go on about for long, because I do not set my own pay. That is set by my Board of Directors and in turn voted on by shareholders, including UKFI. As you well know it is at the low end of comparable jobs in the UK and globally, albeit at the high end of society if you want to put it in those terms. One can have a philosophical discussion about pay differential.\nQ199. Austin Mitchell: The taxpayers wants to know why we are paying, we are contributing, to giving you £7.7 million.\nStephen Hester: Your job as a politician is to have that philosophical discussion. What I am charged with doing is to try to run a large bank, on which many customers depend, in which the taxpayer has a great deal of financial exposure, to the best of my own and my colleagues’ abilities. It is in the hands of others how they want to pay me for that. It is in my hands whether I want to do the job for that. I think by the standards of each profession, which is in the end how these things are measured, the governance process is gone through in a very thorough way. As I say, I am not going for a second to engage you in the philosophical discussion about pay levels in society. Fortunately that is not what I am charged with doing. I have to protect your investment.\nQ200. Stella Creasy: You do not have to accept bonuses though do you?\nStephen Hester: No, you do not have to accept your salary either.\nQ201. Stella Creasy: A bonus is a different thing. Mr Daniels, have you accepted your bonus?\nEric Daniels: No I did not.\nQ202. Austin Mitchell: That is a feeble comeback: that we do not have to accept our salary. £7.7 million is huge and the taxpayer is contributing to it, effectively.\nStephen Hester: No one is forced to employ me.\nQ203. Austin Mitchell: Do you see these bonuses as an incentive to take risks at different levels in the banking industry? The bigger the risk you take, the bigger the bonus you collect.\nStephen Hester: I think that it is extremely important that the incentives that go in any industry, but in this case in the bank industry, have been reformed. There has been very comprehensive reform. In fact, RBS has been amongst the leaders in doing that both in terms of alignment of incentives and their measurement, and the ability to claw them back if the incentives retrospectively are seen to go wrong. The UK today has, in those regards, the toughest regime in the world. I think RBS is at the forefront of that process. I do believe the issue of risk and misalignment of incentive has been very comprehensively addressed. What is clear is that there are parts of the banking industry which remain highly paid, and of course it is clear that that is a matter of controversy depending on where you look. Fortunately, that is not what I am charged with. What I am charged with is trying to run this bank as well as I can by the standards of its environment.\nChair: I am going to stop that conversation because it can go on. I think others will have probably said it to you Mr Hester and to you Mr Daniels, but it is just very difficult in the situation. We come in, again defending the taxpayer. Our interest is not as the Treasury Select Committee. We are just here saying: did we get value for money from the money that was put in? I think, in the same way as we as MPs have had to understand the impact out there of some abuses of the allowance system by some Members of Parliament, you have to understand that the people are suffering from a credit crunch, which they feel you in large part caused; to then see large bonuses is a bridge too far. I think a sensitivity to that in whether or not you accept your bonuses is all we ask for; especially when we are in a position where the taxpayer continues at this point to prop you up, hopefully not for too long, but we do. I think it would just be nice to get a feel from some of the people that have benefitted from the bonus system that they understand that and respond to it, in the same way that we have had to respond as MPs to criticism of us. I think it is a very simple issue.\nQ204. Ian Swales: I would think it is very likely we will be voting down our own £1,000 pay rise on Monday as MPs. I do not know what people are doing around the table, but that is the discussion we will be having on Monday. My real question is, hopefully you have given us a lot of comfort in a way that things are secure and we are never going back to the days of two years ago. If we did, I think there is an element of saying: to what extent the UK taxpayer stood behind international operations of banks, to what extent that was justifiable and whether that should happen in the future. One of our colleagues who is not here was talking about breaking up the banks geographically which I think is clearly not the type of thing we should be asking industry to do. But the UK taxpayer, explicitly or implicitly, aids the banks, stands behind risk, possibly less so now and hopefully even less in the future. Should we get into that situation again, to what extent should the UK taxpayer be backing a huge international bank?\nStephen Hester: I think that firstly, hopefully the UK taxpayer will make a profit not a loss from its support; in the event, it looks like that is going to happen. Secondly, I think one of the very positive things that came out of the negative of the world financial crisis is that the world did not turn in on itself and that protectionism in all its forms did not take over. The world realised that the future still lies in a small world where we trade with each other and where we exchange all sorts of goods, services, cultures and so on. That is particularly true in Britain because we are one of the world’s most open economies with the most to lose, of any economy, from a world that turned on itself, became completely nationalistic and pulled up the drawbridges. I would say to you, in my own view, with financial services, which is a huge part of the UK economy anyway, as with the whole of the UK economy, that it behoves us to encourage a global system in which all of us play a role. I think that was what happened in the aftermath of the financial crisis on all levels and it was the right thing to do.\nQ205. Ian Swales: If we had got it wrong and one of these large banks had actually crashed and burnt somehow after the taxpayer had stood behind it or rescued it-UK taxpayer money went in the direction of the Icelandic banks in effect for UK depositors. I know we have got corporate bails and so on, about foreign subsidiaries and we know some of the severe losses of some of your competitors over the Atlantic. I understand your point about global competition and the importance of financial services to the UK. But as the Chair keeps saying, we are here for the taxpayer. To what extent should their money be used for activities that take place overseas?\nStephen Hester: The taxpayer should not. The whole point of the reform of the banking system is to make sure the taxpayer here, or in any other country, does not. I am a fierce advocate of the reforms that are in process, not complete, to do that. To my mind, the right answer is to ensure that the global financial system is reformed such that this is not an issue. The wrong answer is for countries to draw up their own drawbridges and isolate themselves from the world, whether in financial services or any other form of global trade.\nQ206. Ian Swales: That is one test we should be applying to the new banking world, that is the sort of area we have just been talking about then.\nQ207. Chris Heaton-Harris: In a way I look at you and I see a bit of John Galt from Atlas Shrugged, except John Galt was never really supported by the taxpayer. Can you see the point in time when RBS is a huge success again in the future? Is it within grasp even though it may take a number of years? Secondly, and just going back to a previous question, you said that there was a risk of misalignment of incentive within the system. Do you think it is right that the shareholder dividends were cut by up to 90% but staff payouts have been barely changed?\nStephen Hester: Clearly we are putting in every effort that we can to make RBS a success again. We have set out a plan which we believe will do that. Two years into what I thought was roughly a five year process we are on or ahead of that plan by its different matrices. I believe that so far we have reason to be encouraged. That success needs to be measured in simple terms across three dimensions. As I see it, we have three simple roles although there is a great deal of complexity beneath them. Part of it is to make the bank safe for all constituencies; part of it is to continue to serve our 40 million customers; and part of it is to get some of the shareholder value back which of course is substantially about taxpayer value. Across those three matrices I think that we have made good progress in two years, but we have a few more years of hard work to go before we can say that the job is done, if you can ever say that the job is done. Nevertheless, I think so far so good is the right way to answer that question.\nQ208. Chris Heaton-Harris: What about the shareholder dividends cut by 90% but staff payments remaining roughly the same?\nStephen Hester: We are not allowed to pay a dividend, even if we wanted to, by the European Union. That is a choice that is currently outside our control. Obviously we will review it once that has been lifted in the context of whether it is prudent to do so or not.\nQ209. Nick Smith: You mentioned Project Merlin and your commitments there. Mr Hester, you have already talked about committing to HMRC’s new code of practice on taxation, not just complying with the letter but also the spirit of the law. Are you confident that all your highly paid directors are not getting paid overseas to avoid paying their tax to us?\nStephen Hester: I believe that to be the case, yes.\nQ210. Nick Smith: Is that the same for Lloyds?\nQ211. Stephen Barclay: Just on remuneration, again I think we are asking you to face both ways. We want you to retain your talent, we want you to return the company to profit and get the share price up so that we get our money back at the same time as we are asking you not to pay staff too much. There is an obvious inherent tension there. Can I just ask quickly, in terms of derivatives, does either bank sell derivatives to retail customers?\nEric Daniels: Not that I know of.\nStephen Hester: Not in a direct sense, although in an indirect sense I could give you an example.\nQ212. Stephen Barclay: Perhaps you could write a note on it to clarify.\nStephen Hester: 25% of all farmers in the UK take out derivative products to hedge their farm payments in foreign exchange terms against Europe. A number of people take out investment products where returns are linked to the stock market, but have a protection if the stock market goes down.\nQ213. Stephen Barclay: I was thinking of things like complex interest rate swaps, and whether retail customers understand interest rate swaps if you are selling those to retail customers.\nStephen Hester: I am happy to write to you about the answer that I have given.\nQ214. Mrs McGuire: Over the last two years there has been a great deal of public and private anguish in relation to the banks both at a personal level and at a corporate level. The taxpayer has invested an enormous amount of money. Dare I say it, some politicians have invested a great deal of their own credibility in looking to how we can support the banks through this. Yet when I look at the wider market, I still see share prices for both Lloyds and RBS at a level way below what one would expect for banks that are appearing to be successful. Why has the market not responded in a more generous way to some of the efforts that you have made over the last two years and some of the massive investment, and indeed insurance policy, that the British taxpayer has given you?\nStephen Hester: I will have a little crack with RBS. I am afraid it is a glass half full/glass half empty answer. When we announced the situation that we faced after the financial crisis in January 2009, or in the middle of the financial crisis, our share price went to 9 pence per share. After the end of the first year, i.e. at the end of 2009, in round numbers it had gone to 30 pence, so it had tripled. At the end of this last year it had gone to about 40 pence, so it had gone up about another third. On the one hand I think the stock market has indeed measured progress back from the brink. On the other hand it is true that there are many issues still ahead of us. Going back to the answer that I gave earlier, RBS still has more risks in places than it should have. We are still an unfinished work of progress, and so I think the stock market is recognising that-which is specifically about RBS-as well as generally worrying about things that impact all banks like things happening in the Middle East, the eurozone, the path of the economy and the uncertainties over regulation. There is a combination of industrywide things that are a restraint on share prices and RBS specific things, which is why, while we have made very good progress from a starting point, we are still very much a work in progress.\nQ215. Mrs McGuire: Do you have a comment about Lloyds’ position given again the taxpayers’ investment?\nEric Daniels: I thought that was a very complete answer.\nQ216. Chair: One final question Mr Daniels. You retired a couple of weeks back and I would just be interested in any observations that you have got, from that position, to leave with us from your experience of living through the banking crisis that would benefit the taxpayer over time. This is the final thing.\nEric Daniels: I think so much has been written I am not sure I could really add to the body of knowledge. I think it was Stephen that said before that we saw huge global imbalances, whether it was in the US where we saw a huge increase in money supply, whether it was the lowering of credit standards and covenants in virtually every country. I think that the world wanted to see continued growth and we were willing to take more risk, consciously or unconsciously, to continue that growth. What happens of course is when you have those kind of imbalances you create asset bubbles. Throughout history you see asset bubbles, and when the bubbles burst it is very painful indeed.\nHopefully we will learn from that. We will have seen much different capital levels, much different liquidity levels with the Basel reforms. I think what is also terribly important is that we recognise that if we continue to run the macroeconomic imbalances we will inevitably have bubbles and we will inevitably have another crisis. It may not be a banking crisis. We saw property prices boom in the US in the early 1990s and then we saw the LBO, leveraged buyout, crises and so on. Booms can manifest themselves across a variety of assets; the dotcom boom would be another example. What we have to do is be very careful in terms of our macroeconomic policy, and we have to address the issues with very specific changes in regulations, which I think is well under way.\nI do not think I can add too terribly much further than that. I am very hopeful that as a society we can have a very thorough debate about the role that banks play, we can have a very thorough examination of the causes for the banking crisis. Then at some point I think we need to move on and try and advance the economy, and try and advance society. I think that we do need to examine carefully what has happened over the past years, but at some point we should turn our attention to growing again and making this a more prosperous country.\nQ217. Austin Mitchell: Do you regret that you were bullied into taking over the Halifax and the extra strain that that imposed on the bank?\nEric Daniels: I understand there is a wide range of opinion about it. I have always been steadfast in maintaining that I think this will be a very good deal for our shareholders. There has undoubtedly been short-term pain, but I believe if we look at the results of the past year, if we look at how quickly our impairments are coming down, and how quickly the Lloyds Banking Group has returned to health, this will be a very good deal for shareholders.\nChair: Thank you very much indeed. Thank you to both of you, and I am sorry that we kept you waiting in the middle with our voting. Thank you.
I know Devs are probably busy getting the next version as functional as possible, but I see that most of the Group settings and tasks issues seem to be related to all clients not having the exact same settings. I was wondering if adding a way to delete all main settings from group clients(Snappins, Image, Kernel, Bios, EFI, Printers, AD) so that they can be set to the group as a whole would fix many of the issues?\nRight now Group Snapping does seem to add snappins to each client, however it will not show it in the group management interface. What do you guys think?\nThe snapin issue is known about, it’s fixed in RC-9 already.\nFor now, hosts need images assigned in order to deploy snapins via groups.\nAnd, you can clear host settings via groups already. It’s exactly the same as clearing them on the individual host - but with groups.
"The only devils in the world are those running around in our own hearts—that is where the battle should be fought."\nWe at Solari are often asked why we are optimistic about our future. We are far from oblivious to the risks and pain in our environment. Yet, we believe that a peaceful world is possible, and that the path to our collective well-being begins with each of us transforming from the inside out—coming clean. With our prayers, actions, and transactions, we have the power to shift energy away from those who misuse power and move it to ourselves and to those who are worthy stewards of our planet’s wealth and our children’s future.\nThe current financial system is centralizing political and economic power in a manner that is draining or destroying living equity—people, plants, animals, and our natural resources—as well as the financial equity of many people worldwide. We liken these forces to a tapeworm, a parasite that grows stronger as we feed it. Like a tapeworm, these forces inject addictive substances into our system that we have allowed to incentivize us to participate in what makes the tapeworm strong. As we do, we are drained until we perish.\nHow do we stop a parasitic economy? We have come to understand that most instances of fighting or confronting centralized authority, or trying to reason with it, only add to its power and deplete our enthusiasm and resources. There is a better way—one that shifts the flow of energy back to us.\nFirst we must each recognize our own individual role in supporting a centralizing financial and corporate system thrive, and understand how we are connected to it and how we feed it. With this understanding, we can detach and cleanse it from our lives. We can cleanse it from our thoughts, our habits, our home, and our family. We can cleanse it from our transactions—our bank deposits, media and consumer purchases, donations and investments. We can cleanse it through our participation in the governance of our local political, civic, spiritual and economic systems as well other private institutions in which we are involved.\nBy shifting our attention, actions and transactions away from a centralizing financial and corporate system, we increase our personal power, security, and wealth. We exercise our power to fashion a new unity between those who respect and encourage living equity and who understand the importance of financial equity to our individual and collective sustainability. Such an alliance can create new and greater wealth to transform and decentralize political power and economic markets, moving us into alignment to create a free and abundant world.\nHow exactly do we do this? We thought we would share some of what we do, in the hope that these ideas may be useful for you. In the column to the right, you will find three main areas of opportunity for coming clean. As we come clean, we live more joyously and profitably amidst spiritual and economic warfare. As we each come clean, we withdraw the energy that we give each day to the people and organizations destroying our world. As we each come clean, our energy grows, and we give new energy to each other and to the people and organizations leading the creation of this new world that is percolating. As we each come clean, the world we envision emerges.\nThe people who are the happiest operate on the basis of faith. That faith may be spiritual, philosophical, or simply a general state of optimism. Whether we pray, meditate, or use other methods, taking the time to resonate with the energy and the problem-solving skills of the universe is one of the “energizer bunnies” of a vital and productive day. Centuries of spiritual teachings regarding the power of our individual intelligence to cocreate our reality are now being corroborated by the latest discoveries of science, particularly quantum physics.\nOur freedom comes to us through divine authority.\nWhen we live through the divine, abundant love, intelligence, and energy are available to us.\nWe have a personal responsibility and the power to envision the world into alignment with nature and the divine.\nOur collective visions invent our world.\nOur collective prayers and meditations are a powerful force for positive intelligence and direction.\nPray and meditate or otherwise connect into divine love, intelligence, and energy.\nEnvision the world you want to invent and live in, and your role in creating it.\nCreate and practice affirmations to make it so.\nGive praise and thanks for the blessings in your life.\nTry this with family and friends.\n—John Keats, "Ode on a Grecian Urn"\nAfter divine inspiration comes living inspiration. The more excellent people we have around us, the easier it is to maintain the values and standards we desire. Leadership can make a big difference—especially if we choose and support local leaders who inspire us. Learning from cultures schooled in managing the uncertainty and change that we are experiencing offers us invaluable insights and survival skills. In addition to great people, all living things inspire—animals and all of nature—as do theater, movies, music, poetry, and art.\nWe are inspired by the truth and beauty in our lives.\nWe are inspired by people who set excellent examples.\nInspiration gives energy to our vision.\nPeople have accomplished amazing things against all odds—we can too.\nMake a list of the people, animals, plants, art, music, decor, and other things that inspire you.\nLearn more about, appreciate, and support these people and things.\nMake a conscious effort to increase their presence in your lives and remove from your life that which does not inspire.\nAppreciate and support the true leaders in your life.\nThe Popsicle Index (or Solari Index) is the percentage of people in a place who believe that a child is safe to leave their home, go to the nearest place to buy a popsicle or a snack, and come home alone safely. We like to practice an exercise in which we make a list of all the things that make our Solari Index go up and down—totally, 100%. We then look for actions that are under our control that would result in the greatest rise in our Solari Index. Numerous opportunities always emerge.\nThere is a simple indicator that measures living capital, and it can be created and maintained outside of institutional and corporate control.\nAsk the children in your life to estimate their Popsicle Index.\nMake a list of all the variables that cause your Popsicle Index to go up and those that make it go down.\nDo the results offer any opportunities for you to improve your Popsicle Index?\nWhat about the Popsicle Index in other places around the world? How are we making our Popsicle Index go up in a manner that makes others’ go down? Are there ways to realign our incentives so that we each other’s Popsicle Index go up together?\nIf you think the Popsicle Index can be improved upon, invent an Index that you and your neighbors could use to estimate the health and well-being of living equity in your place.\nWhat Can A Woman Do to Help the Popsicle Index Rise?\nMany people understand the value of doing a budget for their financial resources. It is relatively rare for people to do an annual budget that mathematically analyzes how we spend our time—or how we want to invest it going forward. One year, Catherine’s senior management team finished working on their company business plan, and all were satisfied that the plan was complete. At the last minute, however, a decision was made to estimate the individual, team, and collective time investment for the coming year. Lo and behold, the group discovered that they had allocated 700% of their time. Their annual goals were overly ambitious. As a result, they had made promises they woul not have been able to keep. They were saved by the time budget.\nYour time can be valued more by you and those around you.\nStudy who and what you are investing your time in.\nIdentify who and what wastes your time.\nLook for opportunities to achieve more energy for youself with your time.\nLook for opportunities in collaboration with other members of your immediate family.\nnor feed on the spectres in books.\nHaving accurate maps of how our world works gives us energy.\nThe more we support honest and competent mapmakers, the safer and happier we will be.\nCancel subscriptions to, and stop watching and reading, corporate media that do not tell us the information we need to know to understand what is going on and how to act in our own best interest.\nSwitch to media that provide accurate and useful information designed to ensure the safety and prosperity of its readers.\nYe are many—they are few."\n—Percy Bysshe Shelley, "The Masque of Anarchy"\nMany of us have lost touch with choosing and supporting local leadership, as well as the governance of the organizations in which we participate—such as universities, charities, foundations, churches, and other civic, social, and spiritual organizations. Investing time to understand your potential role in the governance of the systems that influence you often affords opportunities to improve your situation and better the world around you.\nAre you a captive of the myth that to get anything done in the world, you need the support and “legitimacy” from media, politicians, government and business executives, foundati0ons, universities, and think tanks who have lied, deceived, and disappointed us in the past?\nThe quality of leadership in local and state government and judicial positions matters.\nThe quality of leadership in our schools, colleges, and universities matters.\nThe quality of the leadership in our charities, foundations, churches, and other civic, social, and spiritual organizations matters.\nThe quality of the people who manage money for all these institutions matters.\nWe have the power to influence the choices and behavior of these people.\nAs Catherine gives speeches and answers questions on radio talk shows, she is often asked if our world is run by one or more “conspiracies.” She often answers that in a world full of spiritual and economic warfare, if we are not in a conspiracy, then we need to start one. This is why Solari has developed Solari Circles. A Solari Circle is club that helps its members come clean together and shift their investments of time, attention, and money to protect themselves from corruption and market manipulation—while responding to expanding opportunities to build wealth for its members in financially intimate ways. Anyone who has the passion and need to start one can do so. A Solari Circle focuses on the opportunities to pool our time and resources to reverse the drains in our life. It does so in a manner that improves our personal well-being and shifts political and economic power in a positive and peaceful manner.\nRead the Solari Circle materials at Solari website.\nTalk with your most trusted allies about how you could use this information to increase your power and resources to create the world you dream of.\nStart a Solari Circle to address intentions, education, actions and/or investments, when and if it gives you energy. Doing this together will save you time, lower your expenses, make you money, and help you feel safer and more joyous in this world.
If they aren't spayed then yes they usually do.\nNo...animals go into heat. Does do bleed a little, but most animals do not....it is only during this time that they will allow sexual advances from males...and it only during this time that they will conceive. Humans have periods and are the only "animals" that do so.\nWhere can I find free "Stop Animal Abuse" type Avatars?\nDogs go into heat, which is basically a period but for dogs. I don't know of any other animal that goes into heat though.\nYep, Dogs do... and a lot of other things.\nHow...can a dog/mammal have a period???\nHow is this Cruel to animals???\nonly higher primates have menstrual cycles. Other mammals, such as dogs have whats known as an oestrus cycle.\nWhen a girl dog is spayed will it still have its period?\nhow do i tell if my parakeet is a boy or a girl?\nFunAdvice Trivia: Which animals is catgut made from?
For greater than 50 years, Authorized Services of Central New York has fought to defend dignity, strengthen communities, and secure justice. A second notice was issued in 1997, adopted by national authorized help rules adopted in 2003, outlining the roles of the legal support centers, eligibility for legal support, and the applying procedure. 30. (1) Where authorized aid is to be offered by a solicitor in the employ of the fee, the realm director shall send the certificates to the solicitor to whom the case has been assigned and shall ship the suitable copy to the applicant.\nLegal support centers might be punished for providing authorized assist to ineligible applicants, not providing it to eligible ones, receiving compensation for their work, participating in for-revenue authorized services, and misusing legal aid middle funds. As at all times, State Assist’s training offerings deal with civil legal matters and skills development targeted towards authorized providers employees and volunteers.\nIn addition they have attorneys readily available to give basic telephone legal advice if essential, and help with calls and enquiries to be sure you are steered in the correct course. The Authorized Support Society exists for one simple yet highly effective cause: to make sure that no New Yorker is denied their proper to equal justice due to poverty. Aside from Authorized Aid NSW, there are a selection of Neighborhood Legal Centres who can help with illustration and advice in a range of areas, including felony law.\n10 The Advocates Law was important to legal support in Indonesia previous to the period of the brand new legal assist, and presently nonetheless offers a basis for the availability of legal aid which the new provisions add to or construct off of. The Jerusalem Bureau – which supplies authorized services for the realm of Jerusalem and the South (Ashdod and Eilat sic).\nThis prevents unregistered migrant staff, usually among the most in need of legal help, from receiving it. Applicants may be rejected if they do notmeet the above conditions. Victoria Legal Help also gives training to assist build information in the neighborhood about authorized rights and responsibilities. Our Vision: Leon County Group working together to ensure all people are conscious of and able to access their civil legal rights.
Amazing 5.5+ acre land currently being used as a horse farm. Plenty of opportunities! Do not access the property without an appointment! Owner occupied. Home is being sold as is. No Showings!
This card can be ordered as a digital file you print yourself or printed and shipped.\nPlease send your personalized information to [email protected]. You will receive a proof within 24 hours of ordering. There is no charge for revisions and they are not printed until the proof is approved.\n►► 6" JPG format file (perfect for photo lab printing or sending via email/online to your guests).\n►► 8.5x11 PDF format file. The PDF will have 1 card per page (perfect for at home card stock printing or Kinkos, Staples, or Office Depot card stock printing).\n► ► Cards are professionally printed in 6" format on 100 lb card stock, with rounded edges, and white envelopes are included.
Latest living room paint colors trends is one images from get excited inspiring 24 of latest paint colour trends of Boren Homes photos gallery. This image has dimension 580x903 Pixel and File Size 78 KB, you can click the image above to see the large or full size photo. Previous photo in the gallery is interior color trends greenery. For next photo in the gallery is benjamin moore paint color trends photos. You are viewing image #19 of 24, you can see the complete gallery at the bottom below.
Ah yes, the English teach. If only they encouraged and inspired more than they used their red pen. Thanks for sharing.
Curious-city - Y2 - What could my classroom be made of?\nCurious-city - Y2 - How do we live a healthy life?\nCurious-city - Y2 - How can we help?\nCurious-city - Y2 - What is home?\nCurious-city - Y2 - What did Brunel do for Great Britain?\nCurious-city - Y2 - How do plants grow in my city?\nCurious-city - Y2 - What else lives in my city?\nCurious-city - Y2 - How are schools the same?
Aren’t these lovely?!! This is a wonderful Natural History Print from an 1840’s book. I’m not sure if these are actually Butterflies or Moths, but either way I love the purple and red colors here. I’ve included a full size instant art Printable here, as well as the two images on their own.\nThese are some beautiful images.\nBeautiful images … I love your blog Thanks so much for Sharing!!!\nWOW! You’ve outdone yourself. Again. This is my new favorite! LOVE LOVE LOVE this one Karen!\nOh thank you so much! I know exactly what card I am going to make with these images. Just absolutely fabulous.\nSo pretty! Thank you for sharing these today. Have a beautiful weekend Karen!\nThese are beautiful and the color is so vibrant ! Thank you for such a gift.\nOooohhh, what SPECTACULAR butterflies, thank you thank you THANK YOU!!\nOMGosh these are beautiful. Thanks for sharing.\nThey’re moths. I looked up the description names, clifden nonpareil & red underwing. Both are very large moths from the UK.\nWOW! Those are all gorgeous!!\nYou are the masta!! Do you know how much wonderful art gets created and sent out into the world with these images you curate and share? A beautiful thing. Thank you.\nThank you Jade! That makes me so happy to hear!
Peter is a Senior Technical Evangelist at Microdesk, who specializes in assisting design organizations with integrating Building Information Modeling (BIM) into design processes and exploring innovative uses of non-traditional technologies. He works with national architecture firms to provide on-site assistance and strategic consultation, as well as custom training, content creation, and creating standards and workflows. He has expert knowledge of BIM tools such as Revit Architecture, BIM 360 Field and Glue, AutoCAD Architecture, Ecotect, Green Building Studio, Google SketchUp and e-SPECS. Peter’s work prior to Microdesk was with various design firms working on residential, institutional, liturgical and commercial projects.\nPeter holds a Bachelor of Science degree in Architecture from Drexel University.
Hi, I hope this is the right subforum to post in.\nI've been building my own stripped back version of Linux using BuildRoot https://buildroot.org/, specifically based off of Erpiam https://github.com/gbevin/erpiam.\nEverything is working great with the official Raspberry Pi touchscreen except the mouse cursor is not 1:1 with the physical position of my finger on the screen. It also seems that I need to plug in a mouse or something before the touchscreen responds. I'm not sure what the difference is between what I have and what the normal OS's do.\nThe config settings seem to be what is required 'CONFIG_TOUCHSCREEN_RPI_FT5406=m' etc.
Give yourself time. When you start studying is entirely up to you. It’s been shown, time and time again, the sooner you start studying, the better you’ll do. It’s a self-evident truth, but it’s only further reinforced by studies that show the same thing.\nNot only can you goose your score an extra 50 or 100 points by getting ready earlier, but the study itself will be easier as well. You see, while you will be spending more hours getting ready, the most powerful part of starting study early isn’t the extra time as much as the chance for your mind to process everything. In other words, you’ll remember more of what you cover, without the stress of cramming.\nPractice. Nothing, absolutely nothing, will give you as big a leg up as practice tests. With practice, you’ll memorize the test instructions, so you won’t have to spend time figuring out what you’re being asked in each section. With practice, you’ll get a better feel for the questions you’ll see, and the types of thinking you’ll need to apply. And, of course, with practice, you’ll learn your weakest areas, and hence have an opportunity to focus your study where it will do the most good.\nYou won’t find this anywhere else in the college planning space. It’s an inside look at your college funding situation with an authorized college funding advisor-absolutely free.\nI’ll help you figure out where you stand, including whether or not you can lower your expected family contribution (EFC), and maximize your eligibility for financial aid. What’s more, you set the date and time for the call.\nSign up for your free analysis today by following this link.\nA Word a Day. Hopefully, you already know a good number of the SAT vocabulary words. That said, very few people know enough to feel confident without study, and, as mentioned earlier, cramming a bunch of words at a time isn’t the best way to retain them.\nIf you start early enough, though, you can add a word a day without too much trouble, and cover most of the gaps in your knowledge. With only a word a day, you can really focus on it, go over the definition, use it three times in everyday conversation, and review it again before you go to sleep. Easy and highly effective.\nRelax. For many students, the hardest thing about the test is knowing you’re being tested. Studies have shown that most people feel less intelligent under test-like pressure, and they answer incorrectly to questions with answers they know.\nThe solution? Learn how to relax your mind.\nStudying early and taking many practice tests help here, and the confidence you gain can make a big difference.\nBut there are plenty of other things you can do as well. Practice various breathing techniques, anything from counting to ten to full-on meditation. Calm yourself just before the test starts and between any sections, if you have the time. Learn to recognize when you mind is tensing and, as you notice it, do your best to sooth your mind.\nPrep yourself right. This should go without saying, but before the test get a good night’s rest. After all, nothing dulls the brain like lack of sleep.\nTry to make your night-before meal a light, healthy one. Salmon, for example, is rich in brain-assisting fatty acids.\nOf course you should have a good idea what will help your body work best, the key is, don’t give it short shrift during the drama and tension that often precede an SAT sitting.\nTreat yourself right and you’ll help yourself in the end.
Summary: People here form groups of 3 to 20 and work on fields. The group rarely changes and comprises of people who love to work with each other. These farmers belong to the Chakhesang tribe and sing the local folk form of Li. Their work music mostly comprises of a multi-part harmony of wails and grunts. In the evening when they sit down together for dinner and rice beer they sing group songs, which are again harmonised but have lyrics. Cutting the paddy, winnowing, thrashing, and carrying 70 kilo bags of it uphill have all got their own sounds. At one point while climbing up the hill with this group of farmers we looked around and saw many groups climbing up, each with their own music.
The global IT Services industry holds significant opportunities for industry players due to increasing IT spending in the healthcare, retail, and transportation sectors, among others. The market is forecast to reach an estimated US $1,147 billion in 2017 with a CAGR of more than 5 percent. Outsourcing locations such as India, China, Vietnam, and the Philippines are anticipated to be key drivers because of their low-cost labor and skilled talent pools. The APAC IT services industry is expected to register the highest growth rate among all regions during the forecast period and lead the industry. India is one of the fastest-growing IT services markets in the world. It is also the world's largest sourcing destination, accounting for approximately 52 percent of the US$ 124-130 billion market. The country's cost competitiveness in providing IT services continues to be its USP in the global sourcing market. The Indian IT and Information Technology enabled Services (ITeS) sectors go hand-in-hand in every aspect. However, the number of IT Services providers has increased very rapidly and selecting one from them is like looking for a needle in a haystack. To help you select the most suitable IT Services provider, CIOReview presents to you the ’20 Most Promising IT Services providers’ in India. A distinguished panel comprising of successful and leading CEOs, CIOs, VCs and IT innovators along with CIOReview’s editorial board has decided on the top 20 promising companies.
Embu West DCIO Joshua Cheptoo said police suspected arson and had arrested five students, who were being interrogated to establish the cause of the fire.\nOne of the rescuers, Titus Muriithi, said he heard an explosion and together with other villagers used buckets of water and sand to put it off since the Embu County fire engines didn’t work.\nEmbu businessman Johnstone Nyaga, a national chamber of commerce director, expressed disappointment at the manner in which the firefighters handled the incident.\nProperty worth millions of shillings went up in smoke after a fire gutted a dormitory, staffroom and two classrooms at Embu High School in a suspected arson attack on Sunday night.\nThe fire started at around 7pm, spread quickly and destroyed property at the private school.\nEmbu County firefighters battled the blaze and extinguished by midnight.\nSchool Principal Linet Manyengo said the fire started shortly after the students went for their evening studies.\n“I heard a loud explosion from the tuition area and suddenly the lights went off,” she said.\nShe said students had complained about the forthcoming mock examinations and others didn’t want to sit end-of-term exams.\nFollowing the incident, students fled the school, leaving villagers and workers to battle the fire.
Everyone needs their vision, which is why it’s important that you find the resources that are right for you. There’s also a huge level of trust involved. After all, you only get one set of eyes! Finding a competent optometrist, ophthalmologist, or optician will help you develop a trusting relationship for the longevity of your vision and maintain healthy sight for the rest of your life.\nBefore heading straight to the vision clinic, we need to understand what is exactly the doctor can do for you. Let’s check out the difference in the “Big 3 O’s” in eye care below.
Premium quality double sided plastic tackle box is specially made for storing squid jigs up to size 3.5.\nThis premium quality double sided plastic tackle box is specially made for storing up to 10 (small) or 14 (large) squid jigs up to size 3.5. The box has drainage holes for water to drain away allowing your jigs to dry, and specially designed curved bottoms so your jigs sit compact in the container from both sides.
The cancer care team at Community Medical Centers compassionately cares for patients with all types of cancers. Whether it's at our Community Cancer Institute or elsewhere in our healthcare network, we're with you every step of your cancer journey.\nOur team treats each patient as an individual, with respect and dignity from diagnosis through treatment. We believe it’s imperative you have all the tools you need before, during and after your cancer journey. That’s why we also offer education, treatment and support.\nAt Community you can take advantage of our advanced technologies, therapy options, and support services to help in your cancer fight. You can also see if you qualify for any of our latest clinical trials.\nRivaling centers in Los Angeles and the Bay Area, Community Cancer Institute is central California’s premier comprehensive cancer care center – and the only one in the area with many outpatient services in a single location. Donate Now.\nNow you can stay close to home and get the best treatment available. You’ll find almost everything you need under one roof so you can focus on what matters most – getting well.\nOncology is the study of cancer. And our oncology program is one of the few in California with teaching-hospital level accreditation from the American College of Surgeons (ACOS) Commission on Cancer – making it one of the top programs in the country for patients with cancer and the highest ranking program between Sacramento and Bakersfield.\nThe CoC accreditation is nationally recognized by organizations such as the Joint Commission, American Cancer Society, Aetna, CMS, NQF and National Cancer Institute as having established performance measures for the provision of high quality cancer care.
The following command runs the vows tests.\nRunning the tests requires a one-time setup of the MySQL, MongoDB and Postgres databases.\nmysql -u root -e "CREATE DATABASE db_migrate_test;"\nYou will also need to copy test/db.config.example.json to test/db.config.json and adjust appropriate to setup configuration for your database instances.
Today I’m writing a new style of blog post for me. It’s called A Brew with Boo because I thought it would be a the type of thing you could read as you had a cup of tea. I’ve got mine, some chocolate and freshly painted nails. My feet are up and my slippers on so why don’t you join me and we can get comfy?\nI don’t know about you but I’ve got quite a positive feeling bubbling at the moment. I seem to be enjoying life and I think a lot of that is down to family life. Heath is nearly one and he is at that really fun age. He’s speaking a lot and imitating sounds. So far he says XBox and it is SO funny. I’ve caught it on film too! His voice is the cutest thing. He has also said ‘Horm’ which means kiss in Thai and then he’ll give you a kiss. A string of words he has said is ‘Who is it?’ when there is someone on the other side of the door.\nAndy and I love it now that the children are a bit older. I think we both find the newborn stage quite tough. Perhaps this is because of the sleepless nights, constant feeding and nappy changes but I also think that we love how interactive our babes are when they start to talk and play. Our happiest family moments always involve laughter and giggles. Andy and Annabelle seem to be the type of people who can make others laugh so effortlessly.\nAnnabelle is also delicious right now. Her vocabulary has shown dramatic improvement since she turned four last month. She says the most rib tickling things and is such an animated and happy character.
Infused with the label’s signature dark romanticism and urban styling, French fashion house Givenchy was originally founded in 1952 by acclaimed couturier Hubert de Givenchy. Under the creative direction of Clare Waight Keller, the cult label continues to celebrate the label’s house codes through sharp tailoring and expert craftsmanship. These black silk and wool blend tailored fitted trousers are a staple piece and feature a concealed fastening, a waistband with belt loops, a slim fit, a stripe detail to the side, side pockets and rear pockets.
Are you looking for Table Arrangements? Want to send flowers to someone in , London, DE6?\nOrder Table Arrangements in Ashbourne DE6 and our team will arrange for flower delivery; we deliver fresh Table Arrangements at low prices.\nWhether you need funeral flowers or want to surprise your beloved with romance flowers in Ashbourne DE6, we can help you. Send flowers online or get in touch with our friendly customer support team over the phone or via email and our team will get your flowers delivered with a smile. You can also order our Ashbourne DE6 flower delivery services by completing the contact form on our site. Share your individual requirements with our staff, confirm the date for flower delivery and our Table Arrangements experienced florists will get your flowers delivered at the address in Ashbourne DE6 you have given us.
2 See just how people change as a result of tony danza plastic surgery.\nThese words show what the tony danza plastic surgery are doing. Throughout the background of medicine there was no duration when operations to reconstruct the appearance of an individual would certainly not be practiced. To this particular day, papyri (1600 BC) have actually gotten to, in which it is said exactly how Egyptian surgeons performed plastic surgeries.\nSee just how people change as a result of tony danza plastic surgery.\nThe last fad in tony danza plastic surgery is non-surgical treatments making use of radio waves as well as a laser. In these cases, customers do not have scarring, joints as well as scars after operations.\nNonetheless, not all tony danza plastic surgery work marvels and end effectively. Often customers go too far in the need to be excellent, or the doctor can not manage the job, and we see not successful outcomes of plastics.\nYou can discover a checklist of not successful tony danza plastic surgery on the website.
January 20, 2017, TALLAHASSEE – On behalf of Miami Waterkeeper and the St Johns Riverkeeper, Earthjustice is asking the U.S. Environmental Protection Agency to reject a Florida Department of Environmental Protection rule that would allow more toxic chemicals in state waters, including the water that residents and visitors drink.\nThe groups, supported by technical expertise from longtime water expert JoAnne Burkholder, argue that the state failed procedurally and did not use proper science when it proposed more permissive limits for toxic chemicals.\nThe chemicals that could increase in Florida’s waterways include toxic substances like chloroform, benzene, beryllium, dry cleaning fluids, pesticides, wood preservatives, flame retardants and herbicides, which have serious neurological, endocrine, and cancer-causing effects. The state’s seven-member Environmental Regulation Commission, appointed by the Governor, voted 3-2 for the more permissive standards on July 26, 2016. Two seats on the commission, one that is supposed to represent environmental interests and one representing local government interests, were vacant at the time.\nThe groups argue that the state’s toxics rule doesn’t meet the legal requirement that Florida waters be clean enough for their designated uses, which include swimming, drinking, fishing, boating, and other forms of recreation.
Croatia Manager Dalic: "Serie A Is On The Rise But Juve Have No Rivals"\nCroatian national team manager Zlatko Dalic believes that after his side’s performance at the World Cup everyone will expect more of them but he is confident in his side’s ability.\n“Right now, Luka Modric is the best player in the world. He was missing something before the tournament but he found it and is now again fundamental for us but I’d prefer to talk about the group as a whole, since that was our true strength.\nDalic was then asked if his side’s performances surprised him and if he believes he is a great motivator.\nDalic then spoke on Serie A where a number of his stars play, including Inter’s Marcelo Brozovic, Sime Vrsaljko and Ivan Perisic.
William B. Parrack, Jr., of Lubbock, passed away on April 22, 2010 at the age of 87.\nWilliam was born in Estacado, Texas to W. B. and Eula (Eaves) Parrrack.\nThe survivors he leaves behind to cherish his memories are his wife, Sibyl, and son, Rick Parrack, of Lubbock, Texas; and numerous other family members and friends.\nThe graveside service for William will be 2 p.m., Monday, April 26, 2010 at Resthaven Memorial Park with John Ballard officiating.\nThe family requests that in lieu of flowers memorials be made to Meals on Wheels, or the First Baptist Church of Lubbock.\nCondolences may be offered throughout today from 11 a.m. until 6 p.m. for William, or celebrate the life of William at www.resthavenfuneralhome.com.
Are you a dynamic and passionate teacher of English? If so, we want to hear from you!\nTeaching Personnel are currently seeking a teacher of English on behalf of a welcoming and inclusive secondary school in the eastern area of Northampton. The school is oversubscribed and very popular within the local community - something which the principal deems is due to their academic success. Last year the school was recognised as number one in Northampton for the government's progress 8 measure and the 2018 A level results ensured they were placed amongst the top post 16 providers in the country. Rated 'Good' by Ofsted in their most recent inspection, students and staff work collaboratively to ensure these outcomes continue, and that students leave as confident, ambitious and high achieving. In the most recent inspection Ofsted confirmed that teaching in English is consistently good and outstanding at times. GCSE results continue to be excellent in this subject. In 2016, students achieved 82% A*- C in English, a 13% increase from the 2015 results. All pupils begin the AQA syllabus in year 10 and study both English Language and English Literature. The successful applicant will be teaching English lessons primarily to key stage 3 and 4, with the potential to teach up to key stage 5. The role will be full time and there is the potential for either an Easter or September start.\nNQT'S and unqualified teachers are welcome to apply for this role.\nWhat can Teaching Personnel offer me?\nIn order to apply for this position please send an up to date copy of your CV or contact Megan on for more information.
Organised by the US, in conjunction with Bahrain, Jordan, Morocco and Oman, the event will be also attended by the Economic Development Board (EDB) Deputy CEO Dr. Zakaria Hejris, senior officials from the Ministry of Commerce and Industry, Central Bank of Bahrain, and EDB, and prominent business representatives, including American Chamber of Commerce in Bahrain President Khalid Al-Zayani.\nThe purpose of the conference is to strengthen commercial links between the United States and Arab free trade agreement (FTA) partners, identify trade and investment opportunities in each of the participating countries, and highlight the benefits of free trade agreements.\nAmbassador Monroe said: "The meet will offer an opportunity for those countries that have signed FTAs both to highlight the benefits of free trade and to develop new trade and investment opportunities. Coming shortly after the trade mission to Chicago and Houston organised by the American Chamber of Commerce in Bahrain, and led by the Crown Prince Shaikh Salman bin Hamad Al-Khalifa, Minister Dr. Hassan Abdulla Fakhro, and EDB CEO Shaikh Mohammed bin Issa Al-Khalifa, the London conference demonstrates the determination of the US and Bahrain to maximize the benefits of the FTA."
Overactive bladder is when the bladder muscle contracts unpredictably, causing frequent urination or the sudden, strong urge to urinate with or without leakage of urine. This medical condition affects more than 13 million men and women in the U.S., and can be considered “wet” or “dry”. Wet overactive bladder, also known as urge urinary incontinence, affects more than 9 percent of women and is defined as urinary urgency that leads to leakage of urine. Dry overactive bladder affects more than 7 percent of women and is defined as urinary urgency and frequency without leakage of urine.\nThe most common symptom of overactive bladder is urinary urgency, which is a sudden, intense desire to urinate. Urgency may occur with (wet overactive bladder) or without (dry overactive bladder) leakage of urine. The urgency can occur in specific situations like hearing or touching running water or getting close to a bathroom. With wet overactive bladder, a person may be unable to stop leakage before reaching the toilet. Urine loss is usually in large amounts.\nSome other symptoms include urinary frequency, urinating more than eight times per day and nocturia, which is being awaken by the urge to urinate more than one time per night.\nOveractive bladder is caused by involuntary bladder muscle contractions as the bladder fills, which is believed to be due to the bladder nerves malfunctioning. Risk factors include age, obesity, pelvic surgery and the presence of neurological conditions, such as diabetes, stroke, Parkinson’s disease and multiple sclerosis. It is important to have a medical evaluation of the symptoms of overactive bladder because they can also be related to urinary tract infections, bladder stones or bladder tumors.\nBoth non-surgical and surgical treatment options are available for overactive bladder.\nClick here to learn more about the treatment options available for overactive bladder.
Express your L-O-V-E for fashion through this vintage lady propped on a antique vehicle in the 1900s. This piece has a large zippered interior pocket, a rear pocket for easy access, along with multiple pockets for your phone, wallet and more! The handbag also comes with a removable, adjustable shoulder strap.
IT Services provides many common resources from email and networking services to instructional and classroom support and support for common applications. In addition, many divisions and schools provide local support and services to their constituencies. IT Services maintains this list of divisional and departmental contacts and their services.\nIf you are in doubt about whom to contact, we welcome you to contact the IT Services Service Desk by phone at 2.5800 (773.702.5800), via email at [email protected], or get walk-in help at the TechBar on the first floor of Regenstein Library during reference desk hours. If your service is provided locally, we can refer you.
What is a Gateway Trailer Park, Florida chiropractor?\nIf you frequently deal with symptoms like joint pain, backaches or headaches, but are yet to ever visit a chiropractor for help, then you may be missing out on an effective and natural treatment option. Chiropractic in Gateway Trailer Park, Florida is a healthcare discipline that emphasizes the inherent recuperative power of the body to heal itself without the use of drugs or surgery. For someone else, it could be that sciatica (nerve pain down the back of their legs) is compromising their quality of life, or for another person, gastrointestinal discomfort. Active manipulations reduced the number of days patients experienced moderate or severe back pain and other sciatica symptoms, and also caused no reported adverse effects.\nWhat are the benefits of Gateway Trailer Park, Florida chiropractic care?\nVarious studies have revealed that spinal manipulation is an effective chiropractic treatment for getting relief from tension headaches and headaches originating in the neck. Realignment of the spine and freeing up of the nervous system through chiropractic therapy causes a colicky infant to heal itself as the body’s immune system can function to its utmost limit to ward off any ear infections. Out of this number, 22 percent signified that the seizures dropped by 90 percent after chiropractic treatments and 49 percent had a pain reduction intensity. The progression of scoliosis, abnormal curvature of the spine, can be prevented with chiropractic adjustments in Gateway Trailer Park, Florida 32206 coupled with robust rehabilitation techniques.\nHow to choose the perfect chiropractor in Gateway Trailer Park, Florida?
19apr11:00 am- 1:00 pmLunch & Factory TourAxiom Electronics LLC.\nJoin the EMA for this opportunity to view the local engineering and manufacturing facility at Axiom Electronics in Beaverton Or. This local business opens its doors providing another opportunity to utilize our local resources.\nAxiom Electronics is one of the leading electronics manufacturing services companies in the US for complex, mission critical, high reliability electronic assemblies. Axiom is AS9100 certified and is highly experienced in military, aerospace, and space applications as 70% of the business comes from such entities. They have received special recognition on various space programs and provide support to a wide variety of unmanned air and undersea vehicles.\nThis event is open individuals directly involved with electronics manufacturing only.
Loss sends Swiss to Spisska to face U.S.\nSlovakia rode the crest of a huge wave of fan support tonight to edge Switzerland, 2-1, to finish third in Group A standings.\nThe Slovaks now will play Russia in the quarter-finals in Poprad while the Swiss must play the U.S. in Spisska Nova Ves.\nFrom the opening faceoff the game had a feeling of overtime to it. Both teams knew that to lose would mean a date with the United States on Thursday, not a favourable prospect.\nTo win, a date with Russia or the Czechs was daunting, to be sure, but preferable all the same.\n"It was more about emotion tonight," said defenceman Marek Korencik, who set up the game-winning goal in the third, "but we won and that's about the character of the team."\nCoach Norbert Javorcik agreed. "In the first three games, I thought we showed a lot of skill," he said. "Tonight, we showed a lot of fight--we played with our hearts. To play a world championship at home is the most incredible experience for a player."\nIndeed, the Slovaks had an extra player on the ice all night long--the fans. "It's incredible," Korencik said. "They are so loud, but we understand what they are saying. This is something special. I love it! I thank them for this."\n"We wanted to win this game," declared Swiss forward Nico Hischier. "We came out strong, but I thought in the end I think the team that wanted it more won--and that was Slovakia. You have to be 100 per cent ready all game."\nDespite the pressure of the moment and some heavy hits after puck drop, tonight's game featured only two minor penalties, one to each team, and neither factored in the scoring.\nIt took more than half the game to see a puck cross the goal line, but then fans were treated to two superb goals in quick succession.\nThe first goal from the Slovaks was the result of an unbelievable series of checks by Adam Liska, who was on his stomach and on his knees as he outwitted not one, not two, but three Swiss players to keep the puck in the offensive zone.\nFinally, he scooped the puck to Adam Ruzicka who fired a quick pass to Milos Fafrak at the crease. Fafrak made a quick little deke and flipped the puck in at 11:20.\nBut even as the sold-out arena was celebrating, the Swiss were creating a goal of their own. Coming in over the blue line on a three-on-three rush, Nico Hischier waited patiently and found Philipp Kurashev in front. He didn’t miss the wide open net.\n"I think both teams were nervous at first," Hischier said. "No one wanted ot make a mistake. In the secnd, we got more pucks to the net, and we were able to tie the game."\nThe Slovaks struck for the next goal--the final goal--early in the third. Marek Korencik fired a long shot that was directed into the corner by goalie Akira Schmid, and Korencik chased after it. From the icing line he shot it at the net, and Jozef Balaz redirected the puck past a stunned goalie at 1:40.\n"In the intermission, we talked about being patient," Javorcik said. "We talked about believing in themselves."
In Maori, New Zealand is known as Aotearoa—the land of the long white cloud, an apt name, considering the drizzle and fog hovering overhead for the last few days. But in a redemptive turn, it is at least a long white cloud from which emerge many birds.\nThe two anchorages we’ve visited, Roberton Island and Orokawa Bay, are lined with rocky, crushed shell beaches, impossibly green grasslands, and magnificent trees that house land and shorebirds of the region.\nThe tui is the most abundant. Recognized by its sing-song call and feathers—a white tuft below the throat, an entire body of metallic black that shine green, blue, and purple in the sunshine—tuis spend their days searching for nectar and honey, heads buried between flax petals and dusted with pollen, or inflating their profiles and battling with their cousins for ownership of the most vibrant flora.\nSlightly more endearing are the New Zealand dotterel and oystercatchers.\nBoth nest on the beach, and both are endangered by invasive pests like rats, stoats, and summer merrymakers. They’ve developed convergent behaviors to defend themselves, clucking, dive bombing, or even faking a wing injury to distract those who might wander too close to their nest. Strong conservation efforts are underway, by humans who cordon off areas around their nests, and by the birds themselves—there are stories of dotterels tending to the eggs of oystercatchers while oystercatchers are out feeding.\nAnd if that anecdote illustrating the power of love between species isn’t enough to keep us warm beneath the shadow of the long white cloud, I can’t imagine any amount of sunshine will.
Reclaimed Ketel One vodka bottle candle with your choice of scent, which will have your senses tingling and your mind at ease. Hand-cut, sanded, and polished for smooth edges. Individually hand-poured with American grown, 100% natural soy wax. For yourself or others, this long-lasting candle makes an excellent & unique gift!
And doing it really, really well.\nI first met Liz on the set of a 2012 DC Comics fan film I co-wrote called “Little Man of Steel.” I could tell Liz was great then, but I had no idea how truly talented she is.\nThe photographer who never seems to stop smiling and laughing was born and raised in Joliet. She swears not the prison. Though it would explain her affinity for competitive fighting, but more on that later. After moving back from Montana seven years ago, Liz had aspirations of becoming a wedding photographer.\n“There wasn’t a lot of opportunity to be a wedding photographer in Montana because the market was so oversaturated. And I was offered a position by my former employer to shoot weddings in the Chicago area,” Morris says.\nUpon returning to Chicago, Morris met local actress Grace McPhillips and hit it off immediately. This soon led to independent and student film projects. It was her first time working on a film set as a still photographer and she immediately fell in love.\nAnd then as it happens so many times in this industry, the perfect timing gave Morris a break. Well, it was really a broken leg, not hers, but Matt Dinerstein, who was booked to photograph the “Chicago Fire” pilot.\n“I friended Matt on Facebook and followed his work. One day he posts that he broke both his legs, I thought he was joking so I messaged him, and he told me had to go into surgery. I thought this may be an opportunity for me to fill in for him while he heals. I immediately called Grace…” She advised Liz to call Cinespace Production office.\nAfter a positive phone interview, Morris was booked for two trial days on the “Fire” set. When the show was picked up for a full season, Morris was also picked up, alternating at first with Dinerstein.\nBut make no mistake, Morris is not full of herself. In fact, she is her harshest critic.\n“Sometimes I will look at my work and think it’s not that good. I find flaws all the time. And I compare myself to others’ work and wonder why is theirs’ so much better? But it does push me to get better. I’m not going to rely on a filter or re-toucher. I want to shoot right the first time straight out of the camera.\nAnd she is. Two to three days a week. Sometimes 14 to 16 hours.
I-Connect provides young adults in Cleveland with opportunities to experience Israel in whatever way you choose—programs that last 10 days, two months, or one year—deepening your connection to Israeli life and culture and changing your life forever, for the better.\nis a free 10-day trip to explore Israel's most remarkable tourist destinations and beyond with fellow 22 - 26 year olds. Spend your time hiking the rugged sites of Masada, strolling Ben Yehuda Street, and dancing at Tel Aviv's hottest clubs. It's your Jewish birthright to hike, stroll, and dance your way around Israel. It's your Jewish birthright to connect to your Jewish roots.\nOver 360,000 Jews from 64 countries have taken part in this life-changing experience.\n“I want to continue building on the feeling of belonging that Israel has given me.” ―Ben K.\nis an eight-week summer internship program that provides real-life work experience for juniors, seniors and recent college grads ready to live and learn like a local in the heart of Tel Aviv. You won’t hit the alarm clock twice during your four-day workweek.\nJust imagine that every morning will be one of the most exciting of your life.\nApplications for Summer 2019 now open.\n“In Israel, pursuing a fulfilling life means leaving little room for regret.” ―Mark B.\nIntrigued by the opportunity to spend a semester or year experiencing another culture, volunteering, interning, studying, developing your Jewish identity or having an adventure before you head off to college?\nA gap year in Israel with Masa Israel Journey offers college-bound high school graduates the opportunity to acquire a global perspective and to gain a taste of independent living all while having an incredible Israel experience.\nMany leading universities in North America encourage admitted students to defer entrance for a semester or a year to explore their interests before deciding what to study in college.\nVolunteer, invest in a hobby, or prepare for college life before enrolling in formal education in the U.S.\n“Israel is not just a vacation spot. Israel is my reality.” ―Jeremy G.\nHoping to immerse yourself in an exciting new culture? Looking for top-notch academics? Do you want to experience non-stop beach life or the rich history of Jerusalem? Take your study abroad experience further by exploring a range of programs in Israel’s diverse cities.\nEarn credits in your specific field of study at one of Israel’s distinguished universities. With more than 300 programs available, it’s easy to find one right for you. Scholarships available!\n“I was a different person when I returned to the United States. I had learned, I had grown, and I had strengthened my love for Israel.” ―Carly F.\nMasa Israel’s post-college programs help recent college grads and young professionals earn a competitive edge against fellow job seekers. Boost your résumé while living and working in Israel, a country known for its global leadership in arts, science, and technology.\nBe part of the innovation through an internship experience tailored to your timeline and talents.\nThere isn’t one perfect experience for everybody, but there is a perfect experience made just for you.\n“This program became a deeply inspiring and life-changing part of my journey into adulthood.” ―Toby L.
Natural gas utilities received 11.7 billion cubic metres of total marketable gas in September, up 7.3% from the same month in 2014 and the sixth successive year-over-year increase.\nGas utilities sold 5.4 billion cubic metres of natural gas in September, up 8.5%. At the same time, revenues were down 30.3% from 12 months earlier to $789.9 million. Sustained low prices have continued to depress natural gas revenues.\nIn September, total receipts of marketable gas in Alberta were up 12.0% to 8.5 billion cubic metres. Meanwhile, British Columbia posted a 2.0% decrease to 2.8 billion cubic metres.\nBy province, Alberta (up 10.4% to 2.9 billion cubic metres) and Ontario (up 9.8% to 1.2 billion cubic metres) reported the two biggest changes in sales of natural gas compared with September 2014.\nThe volume of sales to the residential (+4.3%) and industrial (+10.0%) sectors was up, while the commercial sector was down 0.7% compared with the same month a year earlier.\nLower natural gas prices contributed to decreased year-over-year revenues in every province in September, led by Alberta (down 57.1% to $176.3 million) and Quebec (down 19.5% to $89.5 million).\nCanada's imports of natural gas rose 10.5% to 1.6 billion cubic metres in September. This was the first year-over-year gain since March 2014.\nExports of natural gas by pipelines to the United States increased 5.2% to 6.1 billion cubic metres.\nData for July and August 2015 have been revised.\nImport and export data are a combination of National Energy Board and survey data.\nMarketable gas data reported for British Columbia also include data for Yukon and the Northwest Territories.\nTotal marketable gas includes gas received from fields and processing or reprocessing plants after re-injection, field uses, plant shrinkage, plant use and losses have been deducted.
Hybrid rollator transport chair that combines the functions of both a rollator and transport chair into one lightweight design.\nIt is designed with secure hand grips, a comfortable and wide seat and backrest and effortless design to transfer from a rollator to a transport chair.\nDurable aluminum frame with removable foot rests.\nEasy to use hand brakes and storage pouch for personal items.
Beau Soleil students seek out challenges. They are ambitious and they want to succeed. Setting a goal as huge as climbing Kilimanjaro gives them a model for success in life, as reaching the summit requires knowledge, hard work, team work and determination to keep going. The experience is a powerful one.\nClass expeditions embrace adventure – the fun, the hard, the exciting, and the scary, and our students are challenged in appropriate ways extending their comfort zones. Through these experiences, their confidence as individuals, in working as a team member, and as leaders grows, crucial elements in preparation for their lives beyond Beau Soleil.\nEach year the school runs optional major expeditions to extraordinary destinations like Mount Kilimanjaro. Climbing a high mountain is not easy but the challenge of the climb and the long weeks of preparation is taken by many students and the experience is unforgettable.
PMC-Sierra has announced a new family of Tachyon storage protocol controllers featuring StorClad encryption technology. StorClad-enabled Tachyon controllers slot non-disruptively into existing networked storage and integrate with standard encryption technologies to encrypt data behind the controller. The result is a highly scalable, cost-effective, and standardized method for encrypting large and growing amounts of data-at-rest.namespace.\nOptimizing eDiscovery is a critical issue in today’s enterprise, which is facing increasing regulatory and litigation pressures involving unstructured data. Being aware of and having rapid access to this type of information is becoming increasingly important to business decisions and protecting intellectual property.\neDiscovery is a major driver for Information Classification and Management (ICM) technologies. StoredIQ fits firmly into the ICM space and is riding the eDiscovery wave into companies that have had enough of discovery costs and costly failures, and are ready to make a change for the better.\nThe shift away from proprietary scale-up architectures towards horizontally scalable or scale-out solutions based on standard commodity components is gaining significant momentum in the real customer environments. In industries like Financial Services, Life Sciences, and Oil & Gas, high node count Linux clusters provide the level of scalability and performance required for massively parallel applications performing arbitrage analysis, geo-seismic data analysis, and genetic sequencing operations.
Universal Pictures has released the first trailer for the upcoming board game adaptation Battleship, which debuts in theaters nationwide on May 25, 2012. Click on the video player below for your first glimpse at this high-seas adventure starring Taylor Kitsch, Alexander Skarsgård, Brooklyn Decker, and Rihanna.\nEXCLUSIVE: Battleship Visual FX Crew Interviews!\nCONTEST: Win Battleship on Blu-ray!\nWatch Battleship Red Carpet Premiere Live!
Skechers GOwalk: My Must Have!\nInitially, when I received these shoes, what a surprise! So far away from my style! I know this design is the big trend of this winter, but I’m not trends! It took me almost a month before wearing them around mid-August. Then I suddenly loved them (yes after wearing them): absolute comfort with the Memory Foam insole. A blessing for my feet!\nSince then they go with me everywhere. They are lightweight and amazing for long walks in town. I even use them when I have to get to a formal appointment. And I swapped my Skechers GOwalk for high heels once arrived at destination. For few months, from the Lisbon Vogue Fashion’s Night Out to a fashion exhibition in Rotterdam … I’ve kept them with me (photo montage below)!\nThe day before taking these photos, I washed my slip-on sneakers in the washing machine. I feared they deteriorate but not, they stay fine. The only negative point about them is the smell. Maybe they need their ventilation system to be improved, or using antiperspirant materials.\nI’ve had my Sketchers Flex Appeal since summer and I haven’t really been diligent in sport. Actually it’s not true, I focused on aquatics. But I also test my sneakers indoors running on a treadmill several times.\nEn In addition to have a smart design, they also feature the Memory Foam, a flexible sole that takes the shape of the foot and work as a pillow for the foot during the effort. These sneakers are very light and flexible for a better comfort.\nAs a beginner runner, they perfectly suit me. By cons I have not used them outdoors, so I do not know if they have a good grip (on wet soils for example), or if they are easy to clean (mud etc …).\nThis entry was posted in Fashion/Mode, Shopping in... and tagged Exclusive Photos, Exclusive Pictures, Gym Club, Leisure, Review, Running, Skechers, Skechers Flex Appeal, Skechers GOwalk, Sneaker Review, Sneakers, Sports, Tested, To Work Out, Walk. Bookmark the permalink.
As a Test Engineer for the Chassis team, you will be responsible for testing and validating steering, suspension, and brake systems. The candidate will be expected to produce system and vehicle level test plans according to the program timeline and spending forecast. This will require working with the Chassis design engineers as well as third party testing houses and proving grounds to lead the testing activity. During the testing, the test engineer will be required to record, analyze, and report all findings.\nAt Zoox, you’ll collaborate with a team of world-class engineers with diverse backgrounds in areas such as AI, robotics, mechatronics, planning, machine learning, control, localization, computer vision, rendering, simulation, distributed computing, design, and automated testing. You will be challenged to rethink what it means for hardware design to arrive at elegant and efficient systems now that a robot is in control. Working at a startup gives you the chance to manifest your creativity and make a big difference in the final product.\nExperience in operating data acquisition systems (VBox, SoMAT eDAQ, LMS) for data collection of vehicle instrumentation with thermal couples/accelerometers/strain gauges/pressure sensors/load cells/LVDT/etc.
Enjoy Skype, satellite radio, multi-room music, a phone line and a reliable wireless or wired internet connection in all of the rooms in your home and gathering places around your entire property.\nMatheson Multimedia's Smart Connect Home System is a unified network which enables Voice/Audio / Data/Video-signals to be distributed completely throughout your home and property with the fewest (hidden) cables possible. This saves you time, money and inconvenience, especially if installed while your new home or office is being built or renovated.\nAll on-premise networking equipment is neatly and conveniently stored in a well ventilated and secured, out of sight media closet. All services are available through an unobtrusive in-room wall plate.
In this video, Betty demonstrates how to make French Hot Chocolate. This goes wonderfully well with Betty's Perfect Almond Biscotti, which you will find in bettyskitchen.\n1. In a double boiler, allow unsweetened chocolate to melt. Add water to it and stir until blended.\n2. Add sugar and salt. Allow to boil for 4 minutes, stirring constantly. Once done, let it cool completely in refrigerator before further use.\n3. When ready to serve, beat 1/2 pint whipping cream until stiff and fold it into chocolate syrup.\n4. Spoon 2 tablespoons chocolate mixture into each cup.\n5. Heat 6 cups milk to scalding point.\n6. Pour over chocolate in cups.\n7. Top with whipped cream and a dusting of cocoa powder to serve.
This is an alphabetically ordered list of all the 2012 Black Friday deals that have been sent to me.\nHappy Turkey Day to all of you!\n*Limited to qty on hand, may not be combined with any other promotions or discounts.\nBFV will be open from 10-6 on Thanksgiving (Thursday) and we’re doing 20% off any shooting package, 30% off any shooting package with your local ID.\nWe have Smith and Wesson SD40VEs on sale for $299.99, SCCY 9mm Bi-tones on sale for $239.99 and Ruger SR22s on sale for $299.99.\nOur online Black Friday just went live, giving people the opportunity to get on jump on several specials. It’s all spelled out on www. DiscountFirearmsUSA.com.\nNO SHIPPING for in-store pick-up. This is a real advantage, especially for reloading components.\nNew clients can have a Nevada NFA Trust drafted for them by The Bunker Law Group for only $149.00!\nTo get in on this, just use the contact form on their site no later than end of day Friday asking for the Black Friday NFA Trust deal.\nNFA is open Friday from 10-6. We’ll have 10% off everything at Battleborn Tactical and 5% off everything at NFA including special orders. There will also be in store specials throughout the day.\nEverything just 5% over cost.\nWe will be open from 7am-5:30pm! Hope to see you then!\nZ.E.R.T. is offering a 40% discount on EVERY item in their store! If you have been thinking about joining Z.E.R.T., this is your chance to do so at the lowest membership price they have ever offered. Enter promo code “BlackFriday2012” during checkout. This code is only valid on Black Friday.\nWhat an awesome collection of the great firearms related Black Friday deals for our shooting community! Thanks for compiling such a complete list.\nCan’t wait! Let the holiday shopping begin. Time to pick up an upper for that NFA lower.
A Republican-controlled Indiana House committee has approved a GOP budget proposal that would keep overall education funding at current levels while making major shifts in the way money is divvied up among individual school districts.\nThe House Ways and Means Committee voted 15-8 along party lines Friday to advance the new $28 billion, two-year state budget that Republicans said held most spending flat while avoiding tax increases. The budget would keep overall education spending steady, but includes changes to the distribution formula that will hurt some urban and rural schools and help some suburban schools.\n"It is tough on some school corporations, there is no doubt about it," said Committee Chairman Rep. Jeff Espich, R-Uniondale.\nDemocrats said many districts would be devastated by the cuts.\n"We've got to figure out a way to mitigate the losses to some of these school corporations," said Rep. Terry Goodin, D-Crothersville.\nDemocrats plan to propose several changes to the bill next week when the measure is before the entire GOP-led House for consideration.\nBut Friday, Democrats suggested one change they said was fundamental — eliminating a provision in the budget that allows the governor to withhold funds allocated in the budget during tough economic times.\nDemocrats said Gov. Mitch Daniels, a Republican, has abused that power by cutting too much from the state budget when there is still some money in reserves. Rep. Scott Pelath, D-Michigan City, said elected officials — not bureaucrats — need to decide how the state spends its money. If the governor can withhold spending the General Assembly has ordered, he said, the budget merely becomes "something that's dropped in a suggestion box."\nBut Republicans said the provision is key to keeping the state in good financial standing even when the part-time Legislature isn't in session. Daniels has cut millions from the current budget as revenues fell below expectations. Rep. Eric Turner, R-Marion, said if Daniels hadn't made the cuts, lawmakers would be figuring out ways right now to raise taxes.\n"I am very thankful and I think the people of Indiana are very thankful that the governor was willing to make those cuts and not have further taxation on Hoosiers," Turner said.\nRepublicans rejected the Democratic proposal on a party line vote.\n— Restores a 3 percent cut to higher education proposed in Daniels' version of the budget. But it does not fund any repair projects or authorize any new capital projects for universities.\n— Implements limits on tuition increases at Indiana colleges and universities. The limits would be set by the state Commission for Higher Education.\n— Restores cuts Daniels wanted to make in optional Medicaid services for adults including dental and podiatry services.\n— Temporarily suspends pay raises for state legislators, judges and prosecutors.\n— Spends about $60 million more over two years than Daniels' proposal. The House Republican budget leaves about $588 million in reserves at the end of fiscal year 2013. The governor's proposal would leave about $725 million in reserves.
The remarkable fine sand caresses your feet, children renew their beach games at all times, whereas the parents enjoy the gentleness of the sun on the beaches.\nIn every season, the beach of Saintes Marie de la Mer offers numerous occasions of relaxing and, from May onwards, swimming in warm waters. Our naturist friends will also find their happiness.\nDuring outings in spring, autumn or winter, foam caresses bare feet, the dazzling,ever-changing light offers harmony and beauty. On days of pilgrimage, fervour and celebrations invade the fine sands and beach waters to pay tribute to the Saints who arrived from Palestine 20 centuries ago.\nThe lovers of horseback riding will enjoy the wild plains at a slow pace or at a gallop. Aesthetes admire the sunset. Synonym for happiness, the beach of Saintes offers a program of relaxation and holidays which you can enjoy all by yourself or in company all year around.\nexcept December 25th and January 1st.\n• July and August: from 9:00 a.m. to 8:00 p.m.
Our 2017 Spring Break mission trip is now accepting applications. We plan to go to work with Amigo Fiel Church in Juarez, Mexico. We will be painting, working with children in the church, and doing other service and evangelistic work.\nOur 2016 Spring Break mission trip took 16 students, parents, and teachers to the Navajo Nation to serve two Navajo churches and the people they are reaching with the Gospel of Jesus Christ.
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I think it's a wonderful idea!!! We used mirrored trim (gasp) in our dining room. Our builder and designer looked at us like we were crazy but it turned out unbelievably amazing!!! Good luck and I can't wait to see the final results! I'm pinning all the images above for our next home. Thanks for the inspiration!\nGo gold or go home lady. I'm with your mom on this one. PS I choked on my Redbull re: whore house! Pretty sure there are some tastefully designed whore houses around. someplace. lol. have a fab day.\nYou and me both...if I had that in my apartment I for sure would just stare at it, so opulent, almost as if I was living in Versailles!\nI find this style so elegant and European. Love it!\nI'll take any place with golden accents - so luxe!\nI think its worth a try because if its done right (and you can do it right) it will look beyond amazing.\noh my gosh i can't wait to see how it turns out!\nGood luck!!! I can't wait to see how it turns out. I'm sure it will look fabulous.\nOther than some paint and time, what are you really out if you do it? And then you'll know. And we'll all know. Personally, though, I think it's going to look fabulous!! I can't wait to see it!\nThink you mean "gilded"! Love your blog.\nOh my goodness!!! Thank you!!
Family: Slain Rayvon Little enjoyed basketball, reading \| Homicide Watch Chicago \| Mark every death. Remember every victim. Follow every case.\nAuthorities said Little was outside when somebody in a passing group opened fire. Little was shot multiple times and died about an hour later at John H. Stroger Jr. Hospital of Cook County. Another man, 19, was shot in the leg but survived.\nRayvon Little, who attended a local alternative high school, enjoyed riding his bicycle through the neighborhood and playing basketball and football at local parks, his grandmother said.\nAt home, Rayvon Little would “read for hours” and wanted to become a teacher, his grandmother said.\n“He wanted to better himself, but I guess it was too little too late,” said Richardson, who added “it can happen to anybody [in this neighborhood]”.\nChristine Little said her grandson was out when the gunfire erupted, but she never thought it was him who was shot.\nImmediately after the shooting, Christine Little said she went to the front windows, but she was unable to get a good look because the windows were being replaced and were covered with plastic.\nChristine Little said nobody knocked on her door to tell her it was her grandson who was killed until after police left.\nNobody has been charged for the murder. Area South detectives are investigating.
Restructuring and group reorganisation are paying off: provisional figures for 2018 indicate that the SYZYGY Group achieved a rise in sales of 8 per cent to EUR 65,3 million. The core German market saw growth of 16 per cent. Operating income was the highest in the company’s history.\nOperating income increased by around 48 per cent to EUR 6,1 million. The operating margin improved by 1.5 per cent points, thus approaching the target of 10 per cent. Financial income amounted to EUR 0,5 million, meaning that total net income after taxes will be around EUR 5,0 million (+18%). Earnings per share will be approximately EUR 0.36. The company has liquid funds of EUR 22 million.\nDue to the strong cash position, the Management Board and Supervisory Board have decided to propose a dividend of EUR 0.40 per share for the 2018 financial year at the Annual General Meeting scheduled for June 7, 2019. This represents sustained dividend growth over a period of more than ten years.\nThe positive performance is partly the result of systematically expanding business with existing clients throughout the Group. The level of new business, especially in the 4th quarter of 2018, is another key factor. There were project wins from major companies such as Daimler Financial Services, Deutsche Bahn, Huawei, PayPal, the Polish Football League (PZPN), Porsche and Viega.\n“Even though we are slightly below our sales forecast due to Brexit-related exchange rate losses, SYZYGY is on a solid growth path. This is also reflected in the operating margin. Positive integration of our acquisitions is strengthening cross-selling and will boost organic growth in 2019 through significant new business. This year, we will continue to concentrate on our core German business and intensify interdisciplinary cooperation. Our success in 2018 was a strong, cross-discipline team effort and this positive trend is set to continue in 2019,” commented Lars Lehne, Chairman of the Management Board of SYZYGY AG.\nThe SYZYGY Group will remain focused on expansion in its core German market in 2019, with integration of the service portfolio to create end-to-end solutions playing an important role. In Munich, the company will shortly open the first SYZYGY Campus, where for the first time all disciplines will work together on client projects at one location.\nDue to the strong level of new business and high number of enquiries, SYZYGY expects 2019 to see another increase in sales in the high single-digit range. Operating income (EBIT) is expected to rise slightly ahead of sales.
Convert between square meters and square feet (m² and ft²) using this area conversion tool. This converter is part of the full area converter. Simply choose whether you want to convert square meters to square feet or square feet to square meters, enter a value and click the 'convert' button. Reference charts are available down the page.\nWhilst every effort has been made in building this square meters - square feet converter, we are not to be held liable for any special, incidental, indirect or consequential damages or monetary losses of any kind arising out of or in connection with the use of the converter tools and information derived from the web site. This square meters - square feet converter is here purely as a service to you, please use it at your own risk. Do not use calculations for anything where loss of life, money, property, etc could result from inaccurate conversions.\nHow many square meters are there in 1 square foot?\nThere are 0.09290304 square meters in 1 square foot. To convert from square feet to square meters, multiply your figure by 0.09290304 (or divide by 10.76391041671) .\nHow many square feet are there in 1 square meter?\nThere are 10.76391041671 square feet in 1 square meter. To convert from square meters to square feet, multiply your figure by 10.76391041671 (or divide by 0.09290304) .
Seventh Heaven Matting - Custom Cut \| Shelving, Inc.\nDesigned for standing workstations, checkout areas and reception areas.\nReduces stress and increases circulation.\nDurable marbleized rubber surface is adhered to comfortable, resilient closed cell sponge base to provide anti-fatigue comfort. Edges are beveled. 1/2" thick. When cleaned regularly, durable surface resists common chemicals and solvents. Not recommended for high heels, casters or stool legs. Available in Tan, Brown/Ivory, Blue, Gray and Black/White. FOB Shipping Point.\nSee Related Items tab for Seventh Heaven Matting.
Your gift puts bibles and other Christian literature into hungry hands all over the world.\nWhen you donate a bible to the mission field, you give an invaluable gift. In many communities around the world, bible are simply not available. Where they are, a bible can cost as much as a year’s wages for the average laborer. Any gift that puts bibles in hungry hands is priceless.\n“There was a team of five women that work in the hospital and prisons as evangelists. The five women shared one Bible. When we gave each of them a Bible, they said, ‘When do we have to return them to you?’ We said they are yours to keep forever.\nLove Packages ships donated bibles and other Christian literature, in 20-ton cargo containers, to partner distributors around the world. One container costs between $3500 and $9000.\nWhen we calculate our expenses and the amount of literature we send with each shipment, our cost to ship bibles and other literature is less than a dime per pound! That means every dollar you donate, puts 10 pounds (or roughly 10 bibles) into hands that have prayed for years to hold one. There are a lot of ways to get bibles to the mission field, but we are happy to be one of the most efficient.\nWe are blessed to receive your monetary donations. If you would like to make a donation, click the “Donate” button below, which will take you to PayPal.\nCheck or money order — You mail mail a donation, made payable to Love Packages, to either of our addresses.\nIf you choose to mail a donation, we ask that you please send it in a separate envelope, and not tucked into a piece of donated literature. We go through everything, so we will find it … eventually … but it could take a while before we do.\nOur mailing addresses are 220 Union St., Butler, IL 62015 and PO Box 1921, Decatur, AL 35602.\nSet up automatic bill pay with your bank — Your bank will automatically send a check to Love Packages, in the amount you specify on whichever day of the month you choose. Contact your bank for details.\nAll donations are tax deductible. You will receive a receipt as well as a year end statement of giving.
Aliens UFOs TopSites Top 100 Alien UFO Photos, UFO Videos, ETs UFOs.\nVideos of UFOs, Testimony, Lectures, 350+ Variety Photos Including UFO Photos, Funny Photos, Photos of Aliens, Astronomy, Space Pictures, and Pretty Photos.\nUFOs Aliens Extraterrestrials Proof ETs!\nA UFOs Aliens Videos collection of web videos about Aliens, UFO's and anything relating to this subject.\nAliens UFOs 100 Million Blip TV Views!!!\nAliens UFOs 100 Million Blip TV Views Pass It On!!! Support the Disclosure Project and the Truth. Aliens UFOs 100 Million YouTube Views Pass It On!!! The #1 Alien UFO Top 100 Million Views Project. Aliens UFOs hundred million views. 100 million views.\nA human edited links directory for science fiction sites.\nAlien UFO Research AceBryan7ox Aliens UFOs Chat Room Online Live Extraterrestrials Chat 24/7 with Proof and Evidence.\nUFOs New Zealand UFO Research and New Zealand UFO Sightings at New Zealand UFO Websites NZ. Aliens UFOs Homepages and sites in New Zealand.\nWelcome to our free website called... Download UFO Files. We like collecting and sharing UFO related documentaries. And photos of UFOs and aliens or extraterrestrials.\nView the latest UFO news videos at Outer Space Site.\nAliens, UFOs, Extraterrestrials, Astronomy, UFO Documentaries, Moon Bases, Mars, Abductee Testimony, Coast to Coast AM Radio Topics, Exobiology, Earth Care Day, Exopolitics.
I've been waiting for some time for the primetime pundits to figure something out. Which is that much of China's "exports" to the USofA isn't visible as such. So today, (I hate) Neil Irwin and Paul Krugman both point to the real issue. Which is that red-blooded, God fearing American corporations use Chinese labor and capital to a significant extent. That iPhone is a Chinese "import", even as Apple is an "American" company.\nWhen Apple assembles an iPhone in Zhengzhou and sells it in Shanghai, that doesn't count as international trade, though the profits accrue to the benefit of a California-based company. The Chinese government has any number of tools to try to weaken that business if it wishes. It could decide that phones made by a foreign company are a national security threat, or shut down plants because of minor regulatory problems.\nChina is the Great Assembler: it's where components from other countries, like Japan and South Korea, are put together into consumer products for the U.S. market. So a lot of what we import from China is really produced elsewhere.\nJust as American capital fled New England for the Rebel South, and then Mexico; they now decamp to China. The impact on American labor is not subtle, which fact played into Orange Julius Caesar's paranoid mind (note to self: some praise paranoia), and he lied on it to the Throne. As previously noted, the USofA no longer has the raw materials to make primary steel or aluminum in quantity. The salvation of redundant coal miners and steel workers is socialism. Taxing, which is what tariffs do (just read up Smoot-Hawley), just makes things worse for everyone. The right wingnuts, naturally, cry "but Pareto says you can't redistribute!!". There are only two choices; 1) let them perish or 2) support them. Socialism makes the support explicit and efficient. Tariffs and other market meddling only rewards the 1%, mostly.\n[T]he total wholesale value of the iPhone — for the 3G model it was about $180 — goes on the Chinese import side of the trade ledger. As a result, says economist Rob Feenstra of the University of California, Davis, "The U.S. trade deficit with China tends to be exaggerated."\nIn a much-talked-about paper, Chinese economist Yuqing Xing took a stab at the figure. "If you look at the manufacturing costs, China's contribution is $6.50."\nHe says that figure represents the actual cost of assembling each iPhone. And he concludes that if that number were used instead of the entire wholesale cost, the U.S. trade deficit with China would shrink by roughly $2 billion.\nSo, we know that the net Chinese imports, and by net we mean product fully created within China with Chinese materials and capital and labor, is far less than the $375 billion (yes, Orange Julius Caesar brays $500 billion) that even the mainstream pundits state.\nThe moral of the story: figures don't lie by liars figure.
Huawei is planning to unveil the Huawei P30 series at an event in Paris next month, the company revealed in the press release, which doesn’t reveal any other details about the devices.\nThe case maker Spigen released press renders of its upcoming P30 series protective cases. The P30 series is expected to deliver four-lens and triple-lens cameras, according to these renders.\nIn the protective case, the front is pictured with the date March 28. In the earlier report, the company revealed the P30 series will be unveiled in Paris at the end of March, so we might be looking at the actual launch date.\nAccording to rumors, the Huawei P20 will feature a 6.1-inch OLED panel while the P30 Pro will go up to the 6.5-inch display. They will be powered by the HiSilicon Kirin 980 SoC coupled with 8GB of RAM on the P30 and 12GB of RAM on the P30 Pro.
By the time we got to Alvor, a few hours later than expected, the tide was well on its way out, so we anchored just off the channel by the entrance. This turned out to be a serendipitous decision. Once we were settled Arthur’s first words were something along the lines of “its good to be at anchor. It is beautiful here.” He was right – the kids, and us, are so much happier out of the marina/city and with space to explore and play without restraint.\nThe next day was spent largely on two beaches, either side of the sand dunes. We saw a real-life example of “Sharing a Shell” (one of the kids’ favourite books), with a hermit crab struggling to carry an anemone; only missing the bristleworm trying to get in, wriggling and making a fuss. Anyway, it was cool to see and watch for a while. Exploration of the sand dunes and sand-building sites (including an extensive crab harbour) ensured the time passed quickly and with many smiles.\nWe moved up the river to the main anchorage, or rather outside the main anchorage – we couldn’t see a space with comfortable swinging room in the anchorage itself, so put ourselves near to another catamaran over the river, with our swinging circle taking us about 10m from a sandbar. Later in the day Dave took Arthur over to the sandbar and dropped him off, which he loved as it meant he got to explore the sandbar on his own for a short while before Charlotte and Theo joined him by kayak.\nThe sand dunes outside Alvor have a wonderful walking route through them which we visited after a grocery shop. The town itself, while VERY touristy, seemed nice enough. We could have happily spent a few more days there, but had to get to Faro the following day to meet up with Nana G. As the bottom of the boat was heavily fouled having spent too long in a marina, a couple of hours after high-tide we went back to the sand-bars near the entrance from the sea to the river and sat the boat on the sand. One of the pleasures of owning a catamaran is that in sheltered waters we can simply drive onto a beach and “park”!\nBy 6pm it was shallow enough for Dave to get into knee/waist deep water to clean the hulls and check the boat over; and by low water we realised we would struggle to get off in the morning at the time we were hoping to. So, Dave dragged the anchor out about 40m to where the water was waist-deep and left it there for the night, hoping that as the tide returned and then ebbed it would drag us somewhere slightly lower. We ended up floating by about 9:30am (2 hours after low water), slightly later than hoped but much earlier than we would have been able had we left the anchor alone. Well worth the effort.
Counsel to C&J Energy Services, a leading provider of well construction, well completion, well support and other oilfield services in its chapter 11 cases. The plan, which was confirmed in just six months, discharged $1.4 billion in prepetition debt. Postconfirmation, acted as lead counsel on successful claim resolution process involving approximately 5,000 claims, discharge enforcement efforts and other steps to position to company for post-emergence success.
Meet Twitch the insectaloid warrior, where MAN + INSECT = AWESOME! This sturdy action figure stands over five inches tall, with more than 15 points of articulation, including ferocious chomping mandibles. Use his powerful wings and impenetrable exoskeleton to evade capture! Twitch is meticulously detailed and includes his signature battle staff and removable chest armor. For children ages 4 and up. Other insectaloid figures sold separately.\nTwitch appears to be based on the Masters of the Universe (He-Man) toyline, and other similar action-figures, from the 1980s.
Model CN-R/R Trash Receptacle is fabricated with perforated steel and is available in 3 sizes.\nModel CN-R/R Trash Receptacle is fabricated from a single piece of 14 ga. perforated steel (round holes) and reinforced with 10 ga. top and bottom rings and die formed cross braces across the bottom. The cross braces have holes for surface mounting options. (Anchor bolts not included). All welded construction - no assembly required.\nModel CN-R/R-32 offers 32 gallon capacity and is 23-1/4" OD x 29-3/4" tall.\nModel CN-R/R-52 offers 52 gallon capacity and is 26-1/2" OD x 29-3/4" tall.\nModel CN-R/R-55 offers 55 gallon capacity and is 26-1/2" OD x 36" tall.
Introduction. Number representation in a digital computer. Round-off and truncation errors. Solution of systems of linear algebraic equations. Norms and condition number. Eigenvalue computation. Special transformations. The QR method. Hermitian matrices. Sorting algorithms. Modeling and statistical analysis of data. Goodness of fit tests. Maximum likelihood and least squares estimation. Robust estimation.
We love wipes - Calling all makeup & beauty fans!\nCalling all makeup & beauty fans!\nCalling all makeup & beauty fans – become part of our community today!\nDo you get excited by the latest beauty trends?\nPerhaps you just love sharing your top tips on how to apply makeup.\nWe’ve launched this community to help us make wet wipes even better - and to share your stories, tips and pictures about all matter of makeup & beauty.\nFrom using wipes to remove mascara, to fast fixes for cosmetics mishaps, the Makeup & Beauty Community is great place to share information, meet likeminded friends, and to have lots of fun along the way.\nIt’s also the perfect place for those of you who are already privy to the industry’s best kept beauty secret – wet wipes! Yes, we know you can’t live without them – and neither can we - which is why we want you to help us build a community that’s dedicated to improving this fantastic beauty essential.\nWe want to tap into your expertise, advice and feedback to inspire us to create even more marvellous wipes. We’ll be asking you to share your views and to get involved, through interactive events, such as live webcast hangouts.\nYour thoughts and opinions will be shared with leading experts, who’ll then use the information to change the way wet wipes are made. Simple!\nWho knows? They could even use the information to launch new products.\nSo, whether you’ve some fantastic beauty secrets, or simply want to swap stories on the innovative ways in which you use wipes as part of your daily makeup & beauty routine, we’d love to hear from you!\nSo, if you love wet wipes and makeup & beauty, then please join us, and become part of our growing community – today!
Adobe Experience Manager Mobile Version 2016.9, released July 20, includes new and improved features, and several bug fixes.\nAdd custom Cordova plugins to an AEM Mobile app to access custom device-level functionality. Create custom plugins or use plugins available from the Cordova/PhoneGap community. Examples of custom plugin usage include enabling mobile barcode scanning, accessing geofences, and leveraging mobile databases in an app. The core Cordova plugins made available in a previous release are still available for use, including Geolocation, Camera, and Contacts.\nApps that use custom Cordova plugins are built differently than the standard method for building apps and require using the updated AEM Mobile Developer Tool to specify which Cordova plugins will be used. For iOS apps, the Developer Tool is used to modify the downloaded .ipa. For Android apps, the Developer Tool is used to create an .apk file, which is then uploaded using the new Custom App Shell tab that appears when creating or editing an Android app.\nFor now, AEM Mobile apps can only use these custom plugins at the article level, in open articles.\nThe AEM Mobile Developer Tool has been updated for both iOS and Android. This updated developer tool allows users to build and test apps that include custom Cordova plugins.\nProviding a custom UI, such as an HTML form, instead of using the standard username and password prompt.\nEnhancements to custom authentication allow for the use of multiple authentication methods within the same app, for example.\nThe Search feature is no longer in beta. In-app searching allows for quick access to an app’s content. In-app searching includes language support and is available for all platforms: iOS, Android, Windows, and Desktop Web Viewer.
A wonderful drive down a dirt road in a Model A Ford takes you back to the old times. But don't stop there, an afternoon picnic while playing guitar and jamming to good music is all you need to feel good with these two. A classic 1920's feel on a farm in the countryside of Alberta Canada.

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