text:
One of my fondest recollections of my mother is from a family gathering in the 1970s. We were in the rec room enjoying a game of pool when the door opened a crack. A hand reached in, turned off the light, and the room was plunged into darkness.
Momentarily taken aback, none of us was really surprised. "Kill-a-Watt Lenna" had thought the room was empty. Although energy was relatively cheap back then, my mother sprung into action whenever she thought electricity was being wasted.
Conservation must be a genetically linked female trait, because I'm a lot like my mother.
In Colorado's semi-arid climate, the most important consideration for environmentally sensitive gardeners is conserving water. Xeriscaping is a visceral fit — I've always been an advocate of using water judiciously, even when supplies were generous and inexpensive. That said, conservation in the garden is about more than simply being respectful of water issues.
Traditional gardening produces an inordinate amount of waste. Many communities in the rest of the country, where landfill space is already at a premium, have already banned garden wastes in household trash, but locally we've been slow to act. On trash day here, it isn't at all uncommon to find that every household on the block has put out enough grass clippings and other garden debris to fill a pickup truck.
My reaction to seeing bags of garden waste lining curbs is to wonder how anyone could throw away such a potentially valuable commodity. Gardeners buy huge quantities of organic matter, in the form of mulch and soil amendments, overlooking all of the material our gardens provide for free. In other words, we're buying back what we just paid to throw away.
Organic matter is essential to building fertile and moisture-retentive soils. But organic matter is organic matter. The plants don't care whether it is home grown or commercially produced.
A main tenet of the environmental movement is to always think local first. There is nothing more local than your own back yard. Using garden residue saves both landfill space and the environmental cost associated with hauling material from someplace else.
Pine needles, chopped up prunings and trimmings, leaves and grass clippings (dried first and not treated with chemical weed killer), all make excellent mulch. If you need more than your garden generates, look for locally produced products such as ground up Christmas trees and trimmings from tree services. Nothing beats these organic mulches for reducing moisture loss from the soil through evaporation.
Extra garden debris can go into the compost bin where, after a few months of aging, the resulting compost can be used as an excellent soil amendment. Cut pieces of wood too large to grind up into smaller lengths so you can burn them in a fireplace. If you live where wood-burning fireplaces are banned indoors, fire pits and chimineas are the perfect garden accessory to keep the chill off on cool summer evenings.
Marcia Tatroe is a garden writer and lecturer. Her most recent book is "Cutting Edge Gardening in the Intermountain West," ($29.95, Johnson Books). E-mail her at firstname.lastname@example.com.


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Online FAC Tool
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Travis Jansen
Post subject:
Online FAC Tool
Jul 17, 2015 - 12:04 PM
Joined: Apr 30, 2015
Posts: 25
Status: Offline
Hey RLB players, I created an online FAC tool for this game designed to be used with your smart phone. It does work on desktop, but its not optimized for that right now. It's pretty crude but it does the job nicely. You can reshuffle at anytime, it remembers which card you were on if you leave and come back, and tells you when there are 2 min remaining and half quarters...
When you first arrive it'll shuffle for you. After that, hit the shuffle link on the bottom of the card. Just swipe left or right to flip the card.
Eventually I'd like to set it for "advanced" or "basic" so you can turn off stuff you don't need, but right now the FACs are represented in this format.
If someone has the FAC values typed out or in an excel sheet, I could easily fancy this up, otherwise for now this will have to do. I haven't done any testing on other phones, but it should fit most devices. If not, I can reformat the sizes easily.
This was tested on an iPhone 6...
Check it out at:
<removed temporarily>
Travis Jansen
Post subject:
RE: Online FAC Tool
Jul 18, 2015 - 09:30 PM
Joined: Apr 30, 2015
Posts: 25
Status: Offline
I realized after posting that I should probably get permission from Downey before I post it since it does show the FAC deck from the rule book that needs to be purchased...stay tuned...
Downey Games
Post subject:
Re: RE: Online FAC Tool
Jul 18, 2015 - 11:05 PM
Site Admin
Joined: May 05, 2012
Posts: 1056
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Travis Jansen wrote:
I realized after posting that I should probably get permission from Downey before I post it since it does show the FAC deck from the rule book that needs to be purchased...stay tuned...
I will email you about this, after the weekend. It is very good work.
Travis Jansen
Post subject:
Jul 19, 2015 - 03:53 PM
Joined: Apr 30, 2015
Posts: 25
Status: Offline
Thanks. It's prett raw and could use some prettying but it works. Im working on one for goal! As well.
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Feb 13, 2017 - 06:07 AM
Joined: Apr 27, 2009
Posts: 312
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Whatever happened with this. Is there a flipper available? Thanks----Brian
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Mar 15, 2018 - 11:08 PM
Joined: Jul 09, 2008
Posts: 342
Status: Offline
Brian4444 wrote:
Whatever happened with this. Is there a flipper available? Thanks----Brian
Also am curious if the fac flipper is available still?
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(Literary Masterpieces, Critical Compilation)
Leon Aron is the director of Russian studies at the American Enterprise Institute. Born and raised in Moscow, he entered the United States at the age of twenty-three as a political refugee. After receiving his Ph.D. from Columbia University, Aron published numerous scholarly and journalistic articles about Russian affairs and was a frequent commentator for radio and television news programs. Although specialists will disagree with many of Aron's interpretations, no one can question his knowledge of and enthusiasm for the subject of the book.
Yeltsin: A Revolutionary Life is an interesting and impressive work based on exhaustive research. Although somewhat thin in regard to Yeltsin's personal life, the book is filled with details about all aspects of Yeltsin's political career. Scholars will be happy to find more than one hundred pages of documented notes and sixty pages of bibliography, with an emphasis on sources in the Russian language. In addition to printed materials, Aron gathers much of his information from interviews with politicians, journalists, and other individuals associated with the events of the book. For the benefit of readers not familiar with Russian terms, Aron provides a very helpful glossary.
Aron interprets Yeltsin and his policies in a much more favorable light than do most Western journalists and historians. Yeltsin emerges as a "man of the people" who met the challenge of presiding over a revolutionary transformation from a police state to an open and tolerant society. In a summary of his achievements, Aron writes: "He made irreversible the collapse of Soviet totalitarian communism, dissolved the Russian empire, ended state ownership of the economy—and held together and rebuilt his country while it coped with new reality and losses." While acknowledging mistakes and a few character flaws, Aron always gives the Russian leader the benefit of every doubt.
The book went to press about a year before Yeltsin took an early retirement on December 31, 1999. Thus, the work cannot consider Yeltsin's apology for the failures of his economic policies or his selection of Vladimir Putin as a successor. Similarly, the book was written before a number of revelations about possible bribes involving Yeltsin and his daughter, Tatyana Dyachenko. In addition, Aron's book does not analyze the resumption of bitter fighting in Chechnya in 1999.
The first forty-seven pages of the book explore Yeltsin's life before he became a Communist official in 1975. His childhood was basically a struggle for survival, a common experience of Russian children during the period. He probably resented many Stalinist policies. His grandfather perished as an opponent of collectivization, and his father served three years in a labor camp on charges of anti-Soviet agitation. Yeltsin was a good student, but he was also a rebel and a risk-taker. As an example, Aron explains how he blew off two fingers while playing with a live grenade. After completing an engineering degree at the Urals Polytechnic Institute, he worked on large construction projects in Sverdlovsk and the Urals. Often working fifteen hours a day, he acquired a reputation for emphasizing efficiency and as an authoritarian supervisor who was quick to punish subordinates.
When Yeltsin applied for membership in the Communist Party, according to Aron, his major motive was to advance his career. Although he had to pass a test on Marxist-Leninist principles, he apparently had no strong ideological convictions at the time. In 1976, he was appointed first secretary of the Sverdlovsk Regional Party Committee. Although something of a populist, Yeltsin gave no indications of liberalism during this period. Like others in the party's apparatus, he delivered "shameless encomiums" to Leonid Brezhnev, and he did not hesitate to obey orders to destroy the historical Ipatyev house, where the family of Nicholas II had been murdered.
In 1985, Yeltsin's career began to change directions after the new Communist leader, Mikhail Gorbachev, appointed him first secretary of the Moscow Party Committee. Aron observes that the party "needed someone, fast, who could take over and thoroughly clean up the city." Yeltsin was quickly elevated to membership in the Politburo, where he enthusiastically supported Gorbachev's reformist policies of glasnost (openness) and perestroika (economic restructuring). By 1987, Yeltsin was sharply criticizing the Soviet leadership for its refusal to institute reforms more rapidly. Irritated, Gorbachev removed him from the Politburo and the Moscow City Committee. Although humiliated, Yeltsin was allowed to stay in Moscow in a lesser position. Aron suggests that Gorbachev wanted to use the...
(The entire section is 1931 words.)


text:
They jacked prices up to $125 from $100 without warning. :/
Type: Posts; User: calnick0
They jacked prices up to $125 from $100 without warning. :/
Yeah, people were getting crushed in the halls trying to get to the main stage and I'm sure this will be more people. FWIW I've went to a couple mini festivals there(Burger Revue & a rap one with...
The Lineup is great but that big of a festival at the Observatory is going to be an absolute nightmare. I heard the last Burgerrama almost turned into a riot and you know the Observatory is going to...
I see them at my local Costco's a lot.
37.50 per ticket is pretty steep.
No but I know people who have. Which is equivalent to hearing about their performance via you peoples.
People I know who saw the Dancers said it was pretty boring. Should have got Royksopp instead. Norway >>> Sweden
Trentemoller, he absolutely killed it when he was last at Coachella and he recently dropped an album.
"The Totally Unsubstantiated Speculation with No Basis In Fact Whatsoever Thread"
I see what you did there.
Daft Punk will play in the Yuma. The amount of people in an enclosed space will become lower than 1p/1ps, violating Heisenberg's Uncertainty principle. This will be the first time/place quantum...
I'm reviving this because in my mind The Hives set a standard for great live acts with a charismatic front man. Would the Cult be a similar level of entertainment?
Majical Cloudz is good for the first 4 or 5 songs but then his voice starts to get really grating on the ears. It's the same deep wailing voice that assaults you for over an hour. It doesn't seem...
He just dropped a new remix. It's pretty fun.
Yeah, it really wasn't hard to get a good spot for anyone at FYF. Might have been my favorite music festival last year. All it's missing is camping.
I went Flume -> The Melvins -> MGMT -> Omar...
FYF wasn't very packed. I got to front center pretty easily. It was a good show and a good change up to the other music at FYF. I wouldn't call him mind blowing. But he does have some sick tunes.
I will be there! Knowledgeable oldschool techno experts, please educate me on Laurent Garnier.
1 Outkast
2 the Cult - I just know this is going to a hell of a show.
3 Arcade Fire - Really dig Reflektor. Wasn't too big a fan before that album.
4 Bryan Ferry
5 The Magician - I've been...
You're doing gods work bongo
they have the intense energy but not the charisma.
still gonna try and see them though.
cool, glad you're open to seeing them again.
fwiw, i saw them at a festival in denmark and not at coachella. wasn't able to attend last year.
sounds like you took it a bit too seriously. pelle is a hilarious swede.
i'll check some of the FF live vids. i have been hearing they're a lot of fun.
They're super fun and Pelle is an awesome front man. Looked for the official vid of tick tick boom at Coachella but it was down. If someone on this years lineup is this fun I don't want to miss it....
It says I have no order history on my account but as mentioned in the title I bought one during the presale.
Is this the case for anyone else?
there, stay tuned to see if i do anything with it.
edit: fair warning, this will be a playlist of songs i like from coachella artists. on the plus side it won't...
there's one on spotify that's pretty comprehensive. i'm thinking of building one on hypem.com with a new account so that i can listen to it anywhere on my phone for free.
I plan on catching him tomorrow at LET. What time do you guys recommend showing up to guarantee entrance? Don't want to drive up there to miss it.
yeah, saw these guys at northside in dk. they were great!
i believe it is a picture of a "5k electric run"
edit: unless i missed the joke.
this looks like the line to get into a rave.
i voted for dp because i don't want to kill david bowie.
Empire Ants is also my favorite track off PB. Glad that you've seemed to like the albums I've recommended.
If you saw Boys Noize for twenty minutes you wouldn't just have fun. You...
Alright I would agree with you and I was totally biased towards the duo before I heard them because I have tried many times to like krillex and never had any success but have you listened to the the...
1.5, I am assuming you are a dude.
Yeah, I think you just get better at those qualities as you get more mature. Not saying I'm super patient or anything. For me it's most important to be honest...
Can someone who thinks that The Sox got the better side of this deal please explain to me how this makes the Dodgers less likely to win? And I don't think money is that big an issue for the Dodgers...
I don't want to talk
You smell bad.
I'm single so I posted in the thread. Also joined POF because I was reading in here.
Anyways, I present a challenge: One up Discharge's passive...
I maintain a grace period.
this guy
Has anyone seen this guy dj? I saw him at Distortion in CPH and he was fucking sick. He is able to mix in slow and steady stuff like Bruce Springsteen and then drop a sick dance tune. I was at the...
boys noize - oi oi oi
do that new album if it's out don't know how much i like his new singles. xtc was a really good opener when he played it at the hard summer before last.
Trentemøller - The Last Resort
edit: a ton of music i'm excited to listen to from this thread. haven't heard any good gansta rap in a while.
seems pretty weak.
Hurts > Brandt Brauer Frick > The Twelves.
wish i got to see Riva Starr.
^^^yeah, in my opinion the chemical brothers are a little boring. they don't inject much variety into their act. also djandrews, stop being angry it's unhealthy and contagious.
i was...
possiblay, possiblay. i was thinking it might not be his track though. he does have a really deep catalog of underground techno. the way he dropped it was fucking awesome though.
Does anyone what the song that he morphed the My Moon My Man tease into was?


text:
12 CFR 567.1 - Definitions.
For the purposes of this subpart:
Adjusted total assets. The term adjusted total assets means:
(1) A savings association's total assets as that term is defined in this section;
(2) Plus
(i) The prorated assets of any includable subsidiary in which the savings association has a minority ownership interest that is not consolidated under generally accepted accounting principles; and
(ii) The remaining goodwill (FSLIC Capital Contributions) resulting from prior regulatory accounting practices as provided in the definition of qualifying supervisory goodwill in this section;
(3) Minus
(i) Assets not included in the applicable capital standard except for those subject to paragraphs (3)(ii) and (3)(iii) of this definition;
(ii) Investments in any includable subsidiary in which a savings association has a minority interest;
(iii) Investments in any subsidiary subject to consolidation under paragraph (2)(ii) of this definition; and
(iv) For purposes of determining core capital, qualifying supervisory goodwill.
Asset-backed commercial paper program. The term asset-backed commercial paper program (ABCP program) means a program that primarily issues commercial paper that has received a credit rating from an NRSRO and that is backed by assets or other exposures held in a bankruptcy-remote special purpose entity. The term sponsor of an ABCP program means a savings association that:
(1) Establishes an ABCP program;
(2) Approves the sellers permitted to participate in an ABCP program;
(3) Approves the asset pools to be purchased by an ABCP program; or
(4) Administers the ABCP program by monitoring the assets, arranging for debt placement, compiling monthly reports, or ensuring compliance with the program documents and with the program's credit and investment policy.
Cash items in the process of collection. The term cash items in the process of collection means checks or drafts in the process of collection that are drawn on another depository institution, including a central bank, and that are payable immediately upon presentation; U.S. Government checks that are drawn on the United States Treasury or any other U.S. Government or Government-sponsored agency and that are payable immediately upon presentation; broker's security drafts and commodity or bill-of-lading drafts payable immediately upon presentation; and unposted debits.
Commitment. The term commitment means any arrangement that obligates a savings association to:
(1) Purchase loans or securities;
(2) Extend credit in the form of loans or leases, participations in loans or leases, overdraft facilities, revolving credit facilities, home equity lines of credit, eligible ABCP liquidity facilities, or similar transactions.
Common stockholders' equity. The term common stockholders' equity means common stock, common stock surplus, retained earnings, and adjustments for the cumulative effect of foreign currency translation, less net unrealized losses on available-for-sale equity securities with readily determinable fair values.
Conditional guarantee. The term conditional guarantee means a contingent obligation of the United States Government or its agencies, the validity of which to the beneficiary is dependent upon some affirmative action - e.g., servicing requirements - on the part of the beneficiary of the guarantee or a third party.
Credit derivative. The term credit derivative means a contract that allows one party (the protection purchaser) to transfer the credit risk of an asset or off-balance sheet credit exposure to another party (the protection provider). The value of a credit derivative is dependent, at least in part, on the credit performance of a "referenced asset."
Credit-enhancing interest-only strip.
(1) The term credit-enhancing interest-only strip means an on-balance sheet asset that, in form or in substance:
(i) Represents the contractual right to receive some or all of the interest due on transferred assets; and
(ii) Exposes the savings association to credit risk directly or indirectly associated with the transferred assets that exceeds its pro rata share of the savings association's claim on the assets whether through subordination provisions or other credit enhancement techniques.
(2) OTS reserves the right to identify other cash flows or related interests as a credit-enhancing interest-only strip. In determining whether a particular interest cash flow functions as a credit-enhancing interest-only strip, OTS will consider the economic substance of the transaction.
Credit-enhancing representations and warranties.
(1) The term credit-enhancing representations and warranties means representations and warranties that are made or assumed in connection with a transfer of assets (including loan servicing assets) and that obligate a savings association to protect investors from losses arising from credit risk in the assets transferred or loans serviced.
(2) Credit-enhancing representations and warranties include promises to protect a party from losses resulting from the default or nonperformance of another party or from an insufficiency in the value of the collateral.
(3) Credit-enhancing representations and warranties do not include:
(i) Early-default clauses and similar warranties that permit the return of, or premium refund clauses covering, qualifying mortgage loans for a period not to exceed 120 days from the date of transfer. These warranties may cover only those loans that were originated within one year of the date of the transfer;
(ii) Premium refund clauses covering assets guaranteed, in whole or in part, by the United States government, a United States government agency, or a United States government-sponsored enterprise, provided the premium refund clause is for a period not to exceed 120 days from the date of transfer; or
(iii) Warranties that permit the return of assets in instances of fraud, misrepresentation or incomplete documentation.
Depository institution. The term domestic depository institution means a financial institution that engages in the business of banking; that is recognized as a bank by the bank supervisory or monetary authorities of the country of its incorporation and the country of its principal banking operations; that receives deposits to a substantial extent in the regular course of business; and that has the power to accept demand deposits. In the United States, this definition encompasses all federally insured offices of commercial banks, mutual and stock savings banks, savings or building and loan associations (stock and mutual), cooperative banks, credit unions, and international banking facilities of domestic depository institutions. Bank holding companies and savings and loan holding companies are excluded from this definition. For the purposes of assigning risk weights, the differentiation between OECD depository institutions and non-OECD depository institutions is based on the country of incorporation. Claims on branches and agencies of foreign banks located in the United States are to be categorized on the basis of the parent bank's country of incorporation.
Direct credit substitute. The term direct credit substitute means an arrangement in which a savings association assumes, in form or in substance, credit risk associated with an on-or off-balance sheet asset or exposure that was not previously owned by the savings association (third-party asset) and the risk assumed by the savings association exceeds the pro rata share of the savings association's interest in the third-party asset. If a savings association has no claim on the third-party asset, then the savings association's assumption of any credit risk is a direct credit substitute. Direct credit substitutes include:
(1) Financial standby letters of credit that support financial claims on a third party that exceed a savings association's pro rata share in the financial claim;
(2) Guarantees, surety arrangements, credit derivatives, and similar instruments backing financial claims that exceed a savings association's pro rata share in the financial claim;
(3) Purchased subordinated interests that absorb more than their pro rata share of losses from the underlying assets;
(4) Credit derivative contracts under which the savings association assumes more than its pro rata share of credit risk on a third-party asset or exposure;
(5) Loans or lines of credit that provide credit enhancement for the financial obligations of a third party;
(6) Purchased loan servicing assets if the servicer is responsible for credit losses or if the servicer makes or assumes credit-enhancing representations and warranties with respect to the loans serviced. Servicer cash advances as defined in this section are not direct credit substitutes;
(7) Clean-up calls on third party assets. However, clean-up calls that are 10 percent or less of the original pool balance and that are exercisable at the option of the savings association are not direct credit substitutes; and
(8) Liquidity facilities that provide support to asset-backed commercial paper (other than eligible ABCP liquidity facilities).
Eligible ABCP liquidity facility. The term eligible ABCP liquidity facility means a liquidity facility that supports asset-backed commercial paper, in form or in substance, and that meets the following criteria:
(i) At the time of the draw, the liquidity facility must be subject to an asset quality test that precludes funding against assets that are 90 days or more past due or in default; and
(ii) If the assets that the liquidity facility is required to fund against are assets or exposures that have received a credit rating by a NRSRO at the time the inception of the facility, the facility can be used to fund only those assets or exposures that are rated investment grade by an NRSRO at the time of funding; or
(2) If the assets that are funded under the liquidity facility do not meet the criteria described in paragraph (1) of this definition, the assets must be guaranteed, conditionally or unconditionally, by the United States Government, its agencies, or the central government of an OECD country.
Eligible savings association.
(1) The term eligible savings association means a savings association with respect to which the Director of the Office of Thrift Supervision has determined, on the basis of information available at the time, that:
(i) The savings association's management appears to be competent;
(ii) The savings association, as certified by its Board of Directors, is in substantial compliance with all applicable statutes, regulations, orders and written agreements and directives; and
(iii) The savings association's management, as certified by its Board of Directors, has not engaged in insider dealing, speculative practices, or any other activities that have or may jeopardize the association's safety and soundness or contributed to impairing the association's capital.
(2) Savings associations, for purposes of this paragraph, will be deemed to be eligible unless the Director makes a determination otherwise or notifies the savings association of its intent to conduct either an informal or formal examination to determine eligibility and provides written notification thereof to the savings association.
Equity investments.
(1) The term equity investments includes investments in equity securities and real property that would be considered an equity investment under generally accepted accounting principles.
(i) The term equity securities means any:
(A) Stock, certificate of interest of participation in any profit-sharing agreement, collateral trust certificate or subscription, preorganization certificate or subscription, transferable share, investment contract, or voting trust certificate; or
(B) In general, any interest or instrument commonly known as an equity security; or
(C) Loans having profit sharing features which generally accepted accounting principles would reclassify as equity securities; or
(D) Any security immediately convertible at the option of the holder without payment of substantial additional consideration into such a security; or
(E) Any security carrying any warrant or right to subscribe to or purchase such a security; or
(F) Any certificate of interest or participation in, temporary or Interim certificate for, or receipt for any of the foregoing or any partnership interest; or
(G) Investments in equity securities and loans or advances to and guarantees issued on behalf of partnerships or joint ventures in which a savings association holds an interest in real property under generally accepted accounting principles.
(ii) The term equity securities does not include investments in a subsidiary as that term is defined in this section, equity investments that are permissible for national banks, ownership interests in pools of assets that are risk-weighted in accordance with § 567.6(a)(1)(vi) of this part, or the stock of Federal Home Loan Banks or Federal Reserve Banks.
(3) For purposes of this part, the term equity investments in real property does not include interests in real property that are primarily used or intended to be used by the savings association, its subsidiaries, or its affiliates as offices or related facilities for the conduct of its business.
(4) In addition, for purposes of this part, the term equity investments in real property does not include interests in real property that are acquired in satisfaction of a debt previously contracted in good faith or acquired in sales under judgments, decrees, or mortgages held by the savings association, provided that the property is not intended to be held for real estate investment purposes but is expected to be disposed of within five years or a longer period approved by the Office.
Exchange rate contracts. The term exchange rate contracts includes cross-currency interest rate swaps; forward foreign exchange rate contracts; currency options purchased; and any similar instrument that, in the opinion of the Office, may give rise to similar risks.
Face amount. The term face amount means the notational principal, or face value, amount of an off-balance sheet item or the amortized cost of an on-balance sheet asset.
Financial asset. The term financial asset means cash or other monetary instrument, evidence of debt, evidence of an ownership interest in an entity, or a contract that conveys a right to receive or exchange cash or another financial instrument from another party.
Financial standby letter of credit. The term financial standby letter of credit means a letter of credit or similar arrangement that represents an irrevocable obligation to a third-party beneficiary:
(1) To repay money borrowed by, or advanced to, or for the account of, a second party (the account party); or
(2) To make payment on behalf of the account party, in the event that the account party fails to fulfill its obligation to the beneficiary.
Includable subsidiary. The term includable subsidiary means a subsidiary of a savings association that is:
(1) Engaged solely in activities not impermissible for a national bank;
(2) Engaged in activities not permissible for a national bank, but only if acting solely as agent for its customers and such agency position is clearly documented in the savings association's files;
(3) Engaged solely in mortgage-banking activities;
(i) Itself an insured depository institution or a company the sole investment of which is an insured depository institution, and
(ii) Was acquired by the parent savings association prior to May 1, 1989; or
(5) A subsidiary of any Federal savings association existing as a Federal savings association on August 9, 1989 that
(i) Was chartered prior to October 15, 1982, as a savings bank or a cooperative bank under State law, or
(ii) Acquired its principal assets from an association that was chartered prior to October 15, 1982, as a savings bank or a cooperative bank under State law.
Intangible assets. The term intangible assets means assets considered to be intangible assets under generally accepted accounting principles. These assets include, but are not limited to, goodwill, core deposit premiums, purchased credit card relationships, favorable leaseholds, and servicing assets (mortgage and non-mortgage). Interest-only strips receivable and other nonsecurity financial instruments are not intangible assets under this definition.
Interest-rate contracts. The term interest-rate contracts includes single currency interest-rate swaps; basis swaps; forward rate agreements; interest-rate options purchased; forward forward deposits accepted; and any other instrument that, in the opinion of the Office, may give rise to similar risks, including when-issued securities.
Liquidity facility. The term liquidity facility means a legally binding commitment to provide liquidity support to asset-backed commercial paper by lending to, or purchasing assets from any structure, program or conduit in the event that funds are required to repay maturing asset-backed commercial paper.
Mortgage-related securities. The term mortgage-related securities means any mortgage-related qualifying securities under section 3(a)(41) of the Securities Exchange Act of 1934, 15 U.S.C. 78c(a)(41), Provided, That the rating requirements of that section shall not be considered for purposes of this definition.
Nationally recognized statistical rating organization (NRSRO). The term nationally recognized statistical rating organization means an entity recognized by the Division of Market Regulation of the Securities and Exchange Commission (Commission) as a nationally recognized statistical rating organization for various purposes, including the Commission's uniform net capital requirements for brokers and dealers.
OECD-based country. The term OECD-based country means a member of that grouping of countries that are full members of the Organization for Economic Cooperation and Development (OECD) plus countries that have concluded special lending arrangements with the International Monetary Fund (IMF) associated with the IMF's General Arrangements to Borrow. This term excludes any country that has rescheduled its external sovereign debt within the previous five years. A rescheduling of external sovereign debt generally would include any renegotiation of terms arising from a country's inability or unwillingness to meet its external debt service obligations, but generally would not include renegotiations of debt in the normal course of business, such as a renegotiation to allow the borrower to take advantage of a decline in interest rates or other change in market conditions.
Original maturity. The term original maturity means, with respect to a commitment, the earliest date after a commitment is made on which the commitment is scheduled to expire (i.e., it will reach its stated maturity and cease to be binding on either party), Provided, That either:
(i) The commitment is not subject to extension or renewal and will actually expire on its stated expiration date; or
(ii) If the commitment is subject to extension or renewal beyond its stated expiration date, the stated expiration date will be deemed the original maturity only if the extension or renewal must be based upon terms and conditions independently negotiated in good faith with the customer at the time of the extension or renewal and upon a new, bona fide credit analysis utilizing current information on financial condition and trends.
Performance-based standby letter of credit. The term performance-based standby letter of credit means any letter of credit, or similar arrangement, however named or described, which represents an irrevocable obligation to the beneficiary on the part of the issuer to make payment on account of any default by a third party in the performance of a nonfinancial or commercial obligation. Such letters of credit include arrangements backing subcontractors' and suppliers' performance, labor and materials contracts, and construction bids.
Perpetual preferred stock. The term perpetual preferred stock means preferred stock without a fixed maturity date that cannot be redeemed at the option of the holder, and that has no other provisions that will require future redemption of the issue. For purposes of these instruments, preferred stock that can be redeemed at the option of the holder is deemed to have an "original maturity" of the earliest possible date on which it may be so redeemed. Cumulative perpetual preferred stock is preferred stock where the dividends accumulate from one period to the next. Noncumulative perpetual preferred stock is preferred stock where the unpaid dividends are not carried over to subsequent dividend periods.
Problem institution. The term problem institution means a savings association that, at the time of its acquisition, merger, purchase of assets or other business combination with or by another savings association:
(1) Was subject to special regulatory controls by its primary Federal or state regulatory authority;
(2) Posed particular supervisory concerns to its primary Federal or state regulatory authority; or
(3) Failed to meet its regulatory capital requirement immediately before the transaction.
Prorated assets. The term prorated assets means the total assets (as determined in the most recently available GAAP report but in no event more than one year old) of a subsidiary (including those subsidiaries where the savings association has a minority interest) multiplied by the savings association's percentage of ownership of that subsidiary.
Qualifying mortgage loan.
(1) The term qualifying mortgage loan means a loan that:
(i) Is fully secured by a first lien on a one-to four-family residential property;
(ii) Is underwritten in accordance with prudent underwriting standards, including standards relating the ratio of the loan amount to the value of the property (LTV ratio). See Appendix to 12 CFR 560.101. A nonqualifying mortgage loan that is paid down to an appropriate LTV ratio (calculated using value at origination) may become a qualifying loan if it meets all other requirements of this definition;
(iii) Maintains an appropriate LTV ratio based on the amortized principal balance of the loan; and
(iv) Is performing and is not more than 90 days past due.
(2) If a savings association holds the first and junior lien(s) on a residential property and no other party holds an intervening lien, the transaction is treated as a single loan secured by a first lien for the purposes of determining the LTV ratio and the appropriate risk weight under § 567.6(a).
(3) A loan to an individual borrower for the construction of the borrower's home may be included as a qualifying mortgage loan.
(4) A loan that meets the requirements of this section prior to modification on a permanent or trial basis under the U.S. Department of Treasury's Home Affordable Mortgage Program may be included as a qualifying mortgage loan, so long as the loan is not 90 days or more past due.
Qualifying multifamily mortgage loan.
(1) The term qualifying multifamily mortgage loan means a loan secured by a first lien on multifamily residential properties consisting of 5 or more dwelling units, provided that:
(i) The amortization of principal and interest occurs over a period of not more than 30 years;
(ii) The original minimum maturity for repayment of principal on the loan is not less than seven years;
(iii) When considering the loan for placement in a lower risk-weight category, all principal and interest payments have been made on a timely basis in accordance with its terms for the preceding year;
(iv) The loan is performing and not 90 days or more past due;
(v) The loan is made by the savings association in accordance with prudent underwriting standards; and
(vi) If the interest rate on the loan does not change over the term of the loan:
(A) The current loan balance amount does not exceed 80 percent of the value of the property securing the loan; and
(B) For the property's most recent fiscal year, the ratio of annual net operating income generated by the property (before payment of any debt service on the loan) to annual debt service on the loan is not less than 120 percent, or in the case of cooperative or other not-for-profit housing projects, the property generates sufficient cash flows to provide comparable protection to the institution; or
(vii) If the interest rate on the loan changes over the term of the loan:
(A) The current loan balance amount does not exceed 75 percent of the value of the property securing the loan; and
(B) For the property's most recent fiscal year, the ratio of annual net operating income generated by the property (before payment of any debt service on the loan) to annual debt service on the loan is not less than 115 percent, or in the case of cooperative or other not-for-profit housing projects, the property generates sufficient cash flows to provide comparable protection to the institution.
(2) The term qualifying multifamily mortgage loan also includes a multifamily mortgage loan that on March 18, 1994 was a first mortgage loan on an existing property consisting of 5-36 dwelling units with an initial loan-to-value ratio of not more than 80% where an average annual occupancy rate of 80% or more of total units had existed for at least one year, and continues to meet these criteria.
(3) For purposes of paragraphs (1) (vi) and (vii) of this definition, the term value of the property means, at origination of a loan to purchase a multifamily property: the lower of the purchase price or the amount of the initial appraisal, or if appropriate, the initial evaluation. In cases not involving the purchase of a multifamily loan, the value of the property is determined by the most current appraisal, or if appropriate, the most current evaluation.
(4) In cases where a borrower refinances a loan on an existing property, as an alternative to paragraphs (1) (iii), (vi), and (vii) of this definition:
(i) All principal and interest payments on the loan being refinanced have been made on a timely basis in accordance with the terms of that loan for the preceding year; and
(ii) The net income on the property for the preceding year would support timely principal and interest payments on the new loan in accordance with the applicable debt service requirement.
Qualifying residential construction loan.
(1) The term qualifying residential construction loan, also referred to as a residential bridge loan, means a loan made in accordance with sound lending principles satisfying the following criteria:
(i) The builder must have substantial project equity in the home construction project;
(ii) The residence being constructed must be a 1-4 family residence sold to a home purchaser;
(iii) The lending savings association must obtain sufficient documentation from a permanent lender (which may be the construction lender) demonstrating that:
(A) The home buyer intends to purchase the residence; and
(B) Has the ability to obtain a permanent qualifying mortgage loan sufficient to purchase the residence;
(iv) The home purchaser must have made a substantial earnest money deposit;
(v) The construction loan must not exceed 80 percent of the sales price of the residence;
(vi) The construction loan must be secured by a first lien on the lot, residence under construction, and other improvements;
(vii) The lending thrift must retain sufficient undisbursed loan funds throughout the construction period to ensure project completion;
(viii) The builder must incur a significant percentage of direct costs (i.e., the actual costs of land, labor, and material) before any drawdown on the loan;
(ix) If at any time during the life of the construction loan any of the criteria of this rule are no longer satisfied, the association must immediately recategorize the loan at a 100 percent risk-weight and must accurately report the loan in the association's next quarterly Thrift Financial Report;
(x) The home purchaser must intend that the home will be owner-occupied;
(xi) The home purchaser(s) must be an individual(s), not a partnership, joint venture, trust corporation, or any other entity (including an entity acting as a sole proprietorship) that is purchasing the home(s) for speculative purposes; and
(xii) The loan must be performing and not more than 90 days past due.
(2) The documentation for each loan and home sale must be sufficient to demonstrate compliance with the criteria in paragraph (1) of this definition. The OTS retains the discretion to determine that any loans not meeting sound lending principles must be placed in a higher risk-weight category. The OTS also reserves the discretion to modify these criteria on a case-by-case basis provided that any such modifications are not inconsistent with the safety and soundness objectives of this definition.
Qualifying securities firm. The term qualifying securities firm means:
(1) A securities firm incorporated in the United States that is a broker-dealer that is registered with the Securities and Exchange Commission (SEC) and that complies with the SEC's net capital regulations ( 17 CFR 240.15c3(1)); and
(2) A securities firm incorporated in any other OECD-based country, if the savings association is able to demonstrate that the securities firm is subject to consolidated supervision and regulation (covering its subsidiaries, but not necessarily its parent organizations) comparable to that imposed on depository institutions in OECD countries. Such regulation must include risk-based capital requirements comparable to those imposed on depository institutions under the Accord on International Convergence of Capital Measurement and Capital Standards (1988, as amended in 1998).
Qualifying supervisory goodwill. The term qualifying supervisory goodwill means, for eligible savings associations:
(1) Any unamortized goodwill (FSLIC Capital Contributions, as reported in the September 30, 1989 Thrift Financial Report) that existed on April 12, 1989 resulting from prior regulatory accounting practices less any amortization that would have occurred subsequent to April 12, 1989 through the current reporting period where the amortization is calculated on a straight line basis over the shorter of 20 years, or the remaining period for amortization in effect on April 12, 1989 for regulatory accounting practices; plus
(2) The lesser of:
(i) Supervisory goodwill as defined in this section that is included in goodwill that is reflected in the current reporting period under generally accepted accounting principles ("GAAP"); or
(A) Supervisory goodwill as defined in this section that is included in goodwill that is reflected in the current reporting period under GAAP;
(B) Plus any amortization of the goodwill in paragraph (2)(ii)(A) of this definition that occurred subsequent to April 12, 1989 for GAAP reporting purposes;
(C) Minus the amortization of the goodwill in paragraph (2)(ii)(A) of this definition through the current reporting period that results when the goodwill is amortized subsequent to April 12, 1989 on a straightline basis over the shorter of -
(1) 20 years; or
(2) The remaining period for amortization in effect on April 12, 1989 under regulatory accounting practices.
Reciprocal holdings of depository institution instruments. The term reciprocal holdings of depository institution instruments means cross-holdings or other formal or informal arrangements in which two or more depository institutions swap, exchange, or otherwise agree to hold each other's capital instruments. This definition does not include holdings of capital instruments issued by other depository institutions that were taken in satisfaction of debts previously contracted, provided that the reporting savings association has not held such instruments for more than five years or a longer period approved by the Office.
Recourse. The term recourse means a savings association's retention, in form or in substance, of any credit risk directly or indirectly associated with an asset it has sold (in accordance with generally accepted accounting principles) that exceeds a pro rata share of that savings association's claim on the asset. If a savings association has no claim on an asset it has sold, then the retention of any credit risk is recourse. A recourse obligation typically arises when a savings association transfers assets in a sale and retains an explicit obligation to repurchase assets or to absorb losses due to a default on the payment of principal or interest or any other deficiency in the performance of the underlying obligor or some other party. Recourse may also exist implicitly if a savings association provides credit enhancement beyond any contractual obligation to support assets it has sold. Recourse obligations include:
(1) Credit-enhancing representations and warranties made on transferred assets;
(2) Loan servicing assets retained pursuant to an agreement under which the savings association will be responsible for losses associated with the loans serviced. Servicer cash advances as defined in this section are not recourse obligations;
(3) Retained subordinated interests that absorb more than their pro rata share of losses from the underlying assets;
(4) Assets sold under an agreement to repurchase, if the assets are not already included on the balance sheet;
(5) Loan strips sold without contractual recourse where the maturity of the transferred portion of the loan is shorter than the maturity of the commitment under which the loan is drawn;
(6) Credit derivatives that absorb more than the savings association's pro rata share of losses from the transferred assets;
(7) Clean-up calls on assets the savings association has sold. However, clean-up calls that are 10 percent or less of the original pool balance and that are exercisable at the option of the savings association are not recourse arrangements; and
(8) Liquidity facilities that provide support to asset-backed commercial paper (other than eligible ABCP liquidity facilities).
Replacement cost. The term replacement cost means, with respect to interest rate and exchange-rate contracts, the loss that would be incurred in the event of a counterparty default, as measured by the net cost of replacing the contract at the current market value. If default would result in a theoretical profit, the replacement value is considered to be zero. This mark-to-market process must incorporate changes in both interest rates and counterparty credit quality.
Residential properties. The term residential properties means houses, condominiums, cooperative units, and manufactured homes. This definition does not include boats or motor homes, even if used as a primary residence, or timeshare properties.
Residual characteristics. The term residual characteristics means interests similar to a multi-class pay-through obligation representing the excess cash flow generated from mortgage collateral over the amount required for the issue's debt service and ongoing administrative expenses or interests presenting similar degrees of interest-rate/prepayment risk and principal loss risks.
Residual interest.
(1) The term residual interest means any on-balance sheet asset that:
(i) Represents an interest (including a beneficial interest) created by a transfer that qualifies as a sale (in accordance with generally accepted accounting principles) of financial assets, whether through a securitization or otherwise; and
(ii) Exposes a savings association to credit risk directly or indirectly associated with the transferred asset that exceeds a pro rata share of that savings association's claim on the asset, whether through subordination provisions or other credit enhancement techniques.
(2) Residual interests generally include credit-enhancing interest-only strips, spread accounts, cash collateral accounts, retained subordinated interests (and other forms of overcollateralization), and similar assets that function as a credit enhancement.
(3) Residual interests further include those exposures that, in substance, cause the savings association to retain the credit risk of an asset or exposure that had qualified as a residual interest before it was sold.
(4) Residual interests generally do not include assets purchased from a third party. However, a credit-enhancing interest-only strip that is acquired in any asset transfer is a residual interest.
Risk participation. The term risk participation means a participation in which the originating party remains liable to the beneficiary for the full amount of an obligation (e.g., a direct credit substitute), notwithstanding that another party has acquired a participation in that obligation.
Risk-weighted assets. The term risk-weighted assets means the sum total of risk-weighted on-balance sheet assets and the total of risk-weighted off-balance sheet credit equivalent amounts. These assets are calculated in accordance with § 567.6 of this part.
Securitization. The term securitization means the pooling and repackaging by a special purpose entity of assets or other credit exposures that can be sold to investors. Securitization includes transactions that create stratified credit risk positions whose performance is dependent upon an underlying pool of credit exposures, including loans and commitments.
Servicer cash advance. The term servicer cash advance means funds that a residential mortgage servicer advances to ensure an uninterrupted flow of payments, including advances made to cover foreclosure costs or other expenses to facilitate the timely collection of the loan. A servicer cash advance is not a recourse obligation or a direct credit substitute if:
(1) The servicer is entitled to full reimbursement and this right is not subordinated to other claims on the cash flows from the underlying asset pool; or
(2) For any one loan, the servicer's obligation to make nonreimbursable advances is contractually limited to an insignificant amount of the outstanding principal amount on that loan.
State. The term State means any one of the several states of the United States of America, the District of Columbia, Puerto Rico, and the territories and possessions of the United States.
Structured financing program. The term structured financing program means a program where receivable interests and asset-or mortgage-backed securities issued by multiple participants are purchased by a special purpose entity that repackages those exposures into securities that can be sold to investors. Structured financing programs allocate credit risk, generally, between the participants and credit enhancement provided to the program.
Subsidiary. The term subsidiary means any corporation, partnership, business trust, joint venture, association or similar organization in which a savings association directly or indirectly holds an ownership interest and the assets of which are consolidated with those of the savings association for purposes of reporting under Generally Accepted Accounting Principles (GAAP). Generally, these are majority-owned subsidiaries. 1 This definition does not include ownership interests that were taken in satisfaction of debts previously contracted, provided that the reporting association has not held the interest for more than five years or a longer period approved by the OTS.
1 The OTS reserves the right to review a savings association's investment in a subsidiary on a case-by-case basis. If the OTS determines that such investment is more appropriately treated as an equity security or an ownership interest in a subsidiary, it will make such determination regardless of the percentage of ownership held by the savings association.
Supervisory goodwill. The term supervisory goodwill means goodwill 2 resulting from the acquisition, merger, consolidation, purchase of assets, or other business combination (if such transaction occurred on or before April 12, 1989) of
2 Goodwill that has been written off of an association's balance sheet for its GAAP financial statements or Thrift Financial Report cannot be counted as supervisory goodwill.
(1) A savings association where the fair market value of assets was less than the fair market value of liabilities at the acquisition date; or
(2) A problem institution.
Tier 1 capital. The term Tier 1 capital means core capital as computed in accordance with § 567.5(a) of this part.
Tier 2 capital. The term Tier 2 capital means supplementary capital as computed in accordance with § 567.5 of this part.
Total assets. The term total assets means total assets as would be required to be reported for consolidated entities on period-end reports filed with the Office in accordance with generally accepted accounting principles.
Traded position. The term traded position means a position retained, assumed, or issued in connection with a securitization that is rated by a NRSRO, where there is a reasonable expectation that, in the near future, the rating will be relied upon by:
(1) Unaffiliated investors to purchase the security; or
(2) An unaffiliated third party to enter into a transaction involving the position, such as a purchase, loan, or repurchase agreement.
Unconditionally cancelable. The term unconditionally cancelable means, with respect to a commitment-type lending arrangement, that the savings association may, at any time, with or without cause, refuse to advance funds or extend credit under the facility. In the case of home equity lines of credit, the savings association is deemed able to unconditionally cancel the commitment if it can, at its option, prohibit additional extensions of credit, reduce the line, and terminate the commitment to the full extent permitted by relevant Federal law.
United States Government or its agencies. The term United States Government or its agencies means an instrumentality of the U.S. Government whose debt obligations are fully and explicitly guaranteed as to the timely payment of principal and interest by the full faith and credit of the United States Government.
United States Government-sponsored agency or corporation. The term United States Government-sponsored agency or corporation means an agency or corporation originally established or chartered to serve public purposes specified by the United States Congress but whose obligations are not explicitly guaranteed by the full faith and credit of the United States Government.
- 12 CFR 567.1 — Definitions.
- 12 CFR 567.12 — Purchased Credit Card Relationships, Servicing Assets, Intangible Assets (Other Than Purchased Credit Card Relationships and Servicing Assets), Credit-Enhancing Interest-Only Strips, and Deferred Tax Assets.
- 12 CFR 567.6 — Risk-Based Capital Credit Risk-Weight Categories.
- 12 CFR 565.2 — Definitions.
- 12 CFR 567.9 — Tangible Capital Requirement.
- 12 CFR 567.5 — Components of Capital.


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Fanjeaux, Aude, Southern France
Welcome to our house and garden
The house is on the edge of the hill-top village of Fanjeaux, which is designated as a village of historic importance.
We bought the house, not only for its charm, but also because it has wonderful views as far as the eye can see towards the Montagne Noir. The view is of farmland scattered with a couple of pretty villages. The land is worked and a way of life for many locals; crops can include sunflowers, wheat, maize and vines. It is an ever changing scene and with wonderful evening light.
House and Apartment
The house is our home and we want to rent it out in the spirit of staying in a friend's house. Use what is there but replace anything that runs-out, please.
The accommodation is made of the main house and the apartment, which is attached to the house, but it can be used as separate accommodation, if required. The house and the apartment are never rented out separately.
The house has a large sitting room/dining room, kitchen, downstairs lavatory and 3 double bedrooms with 3 bathrooms. (See floor plan.)
The apartment has a sitting/dining room, kitchen, double bedroom and bathroom.
Although the whole property sleeps 8, generally we rent to a maximum of 6, with a free choice of bedrooms occupied. However occupancy of 8 is negotiable.
The house is our second home and was bought as such, not as a commercial enterprise, so it is very comfortably furnished and fully equipped. We live in it about 4 months a year.
Sheets and towels provided. (The towels are for house use only, not for the beach.) All linen is changed every week.
The house is cleaned before you come and after you go. This service is included in the price, unless excessive cleaning is needed.
In Winter, heating costs are to be met by the client, as people's need for warmth vary so much.
For photos of the house and view click here.
There is a large level garden area with BBQ next to the house and overlooking the view. The rest of the garden is made up of planted terraces and a sloping meadow. The terracing and meadow areas make the garden unsuitable for children under 6 years old.
There is free-to-air UK television, a DVD player and Wi-Fi internet access.
There is no swimming pool, but there are local public ones.
Being on the edge of the village, the shops and other amenities are a few minutes walk away, down through the village. The return to the house is up-hill, but the view of the Pyrenees gives a good excuse to stop and admire. Of course, you can always take your car as parking is easily available.
The village is very safe and the people friendly and polite. In Summer they play boule 200 yards from the house, which can be fun to watch.
For photos of the village click here.
The village and local area is full of interesting sights and activites, our recommendations can be found here.
Floor PlansFloor plans are available here.
Photos of the house and village are available.
Client Reviews
Reviews are available in the review section of the property page on flipkey.com.
Prices and AvailabilityFor prices and availability please see the following sites:
- ownersdirect.co.uk
- flipkey.com by trip-advisor
- 4u2-rent.co.uk - Villas, apartments, gites, farmhouses, chalets and chateaux - rentals in France
- Carcassonne holiday lets - Pomme Rose
The nearest airports are Carcassonne (20 minutes) and Toulouse (1 hour.)
Further Information
Please contact us by email, if you wish to know anything else.


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Kinloss Estate is positioned centrally in Fife, making it an ideal location for the Fife Show, which it
has hosted since 2003.
The Estate is located on the outskirts of the market town of Cupar, just 10 miles from St Andrews, 13 miles from Dundee, 16 miles from Anstruther in the East Neuk, 22 miles from Perth,
30 miles from Dunfermline, and 44 miles from Edinburgh.
This central location makes Garden Cottage, a holiday cottage on the Estate, a perfect choice of self catering accommodation for a family
holiday based in Fife.
For golfers, there are numerous golf courses available within a short drive, including three with world-class reputations: Carnoustie, Kingsbarns and the Old Course in St Andrews.
We also have a number of longer term rental properties in the area. Please contact us
for further details and availability.
Use the controls to zoom in and out. You can move the map by clicking and dragging it with your mouse. Zoom in fully for best accuracy.


text:
How do we get to Holy?
Lord, may the words of my mouth and the mediation of all our hearts and our actions be acceptable to you, our strength and our redeemer. Amen
When I was I kid we played a lot of sports after school.
Not organized sports like the way it is done now, and really it might be more appropriate to say that we played a lot of games
We played a little bit of baseball
A lot of touch football
But mostly we played a lot of road hockey
When we played road hockey, would often pretended we were our favorite NHL stars
I was generally one of three people
I was Borja Salming if I was on defense
Darrel Sittler on offense
And if I came up with a last minute dramatic goal saving glove save
I was Mike Palmater in net
Once a Leaf fan always a Leaf fan…
As a kid dreaming of playing in the NHL (the road hockey - NHL) we knew that we were just pretending
But there were some times when all the right moves came together and for a moment - just a moment - you could actually feel like you were that star
That notion of pretending or dressing up, in some ways never really leaves you
We all have costumes or clothing that we wear that presents a certain persona
When I was a teenager I went through a couple of years where I dressed like a punk rocker
I wore army fatigues and t-shirts with punk rock bands on them
I didn't share the message and lifestyle of the music
but I liked the energy of the music and I think I liked the rebellious nature of it as well – I was a teenager after all - so I dressed the part
In my first job in sales, when all I had behind me was school, I dressed up in a suit
I didn't really know what I was doing, but I looked the part
While understanding this notion that the outward appearance sets the perspective, imagine yourself in this situation
Consider yourself part of a religious group - might not be that hard to do
You are part of a group that even though there are people all around that have different beliefs and different gods - you believe that your God is one true God
You consider yourselves part of deep rooted group
In fact you hold a great deal of pride and honour to connect your group to the original founders of your religion
You were part of politically shaping revolt based on religious beliefs
Most importantly, you believe that you are following the teachings of your sacred books
In fact you are known for your zeal for them and the way you follow all ceremonial instructions
You teach a message that believers in your God are called to be separate from the rest of the world - To be a visible representatives
Your zeal for things done right is transparent in what you wear and what you eat, in all aspects of your life – you stand apart, because of your beliefs
There are other divisions of your religion that worship the same God
- there are those that have long influential connections, and money, and to you they seem a little too worldly
- Yet others are fanatical and want to bring the reign of your superior God by any means possible, including force in opposing other religious groups
You see yourselves as a corrective alternative for the destiny of your people
Since you are not born into the temple roles - you have developed places of worship and teaching through-out the land
I am speaking of the Pharisees of 2000 years ago
But I think you can see the parallels to us possibly as well
We have the one true God
Believe that our independence as stepping out, to represent our faith
We are also historically connected to many other churches – seeing our roots connected all the way back through the Roman Catholic Church, all the way to the first apostles
Yet also part of the corrective movement - of Protestism
We hold the Bible as the Revelation of God
Have formal worship practices - liturgies
And, possibly, we have reasons to think that other denominations each got it slightly wrong
I think that many mainline traditional churches, such as Farringdon and Pharisees have a lot in common.
We both certainly like to maintain, support and encourage the traditions
So do you think - as I do - and in some way see yourself as a Pharisee on some level?
One view of the Pharisees is from scriptures and generally it is a pretty negative view.
We see them as the main opponents that were after Jesus
And we see Jesus responding by challenging them verbally more then any other group
We have it today in our Gospel passage where Jesus tells the parable of the Tenants in the Vineyard,
Which is a continuation from Gospel reading of last week of 'the parable of the two brothers' – and the religious leaders are revealed to be those they make a good show of saying 'yes' but in the end get nothing done
Generally speaking - We love parables. They are such wonderful stories.
We teach them to our children in Sunday school, create stained-glass windows and other artwork based on the parables, and sing hymns and songs about them.
But the truth is—and in their original setting—parables, and the telling thereof—could actually prove to be fatal.
That certainly was the case for Jesus. Tell enough parables, it seems, and you can wind up dead!
This parable in Matthew 21 is not the last parable Jesus tells in Matthew,
But it was sufficiently inflammatory to those who heard it that it was surely the beginning of the end for Jesus in that final week of his life.
Eugene Peterson, writer of the Bible paraphrase 'The Message', has famously said that parables are narrative time bombs.
These are stealthy stories that steal into people's hearts, confusing them initially, throwing them off balance for a while.
But at some later point the "Ah-ha!" moment may arrive as the real meaning of the story suddenly explodes in people's minds like a time-bomb.
The parables were meant to blast people into new awareness, new understandings, new ideas.
In this case, it did not take very long at all before this parable blew up in the faces of those listening to Jesus.
In the end we are told that the Pharisees and other religious leaders in Jerusalem that day knew at once that "Jesus was speaking against them."
It made them furious and they were ready, right then and there, to arrest him and be done with this Jesus once and for all. [1]
The Pharisees, maybe the most threatened of all the Hebrew religious leaders, by the teachings of Jesus
There are, however, positive perspectives - other sources, like Josephus, a significant historical writer – who presents them in the most positive light
And the after the destruction of the temple in 70 AD - it was the Pharisaic movement - that alone survived - when all other Jewish sects died out
They are the religious forerunners for our modern day Jewish brothers and sisters
The view you have of the Pharisees is connected to how much you relate to them
The Pharisees were known and respected as the most zealous keepers of the law
And in fact their zealousness took a step beyond and were zealous for the "tradition of the elders"
- Which was the teachings that 'built on' or 'added to' the law.
They had become so focused on the teaching of traditions apart from the scriptures that they lost sight of their true role that God had called them for
And that is the point in which we connect with the Pharisees today in our Gospel passage from Matthew
42Jesus said to them, "Have you never read in the scriptures: 'The stone that the builders rejected has become the cornerstone; this was the Lord's doing, and it is amazing in our eyes'? 43Therefore I tell you, the kingdom of God will be taken away from you and given to a people that produces the fruits of the kingdom. 44The one who falls on this stone will be broken to pieces; and it will crush anyone on whom it falls." (Matthew 21:42-44)
broken to pieces… crush anyone - these are indeed threatening words for the Pharisees
Elsewhere in the Gospels Jesus calls them hypocrites
Its meaning from the Greek is something like "actors" or "pretenders"
Jesus is saying that they are dressing up for the role - looking the part
Doing the things that on the outside look righteous
They are teaching the traditionally right things
But they are not owning the part in their hearts
I think that this can be a challenge for us too at times - we who might identify with the Pharisees – and we might need to be confronted by this
I think we need to think about what we say we do - with what we actually do
We need to question why we do things
As much as what we do
I remember a time when I was interning at The Meeting House, a church that meets in a movie theatres, when we were to serve communion
And I was explaining some of the Holy Hardware that is used in more traditional churches
I was very aware of feeling like the "teacher of traditions" - the right way
Feeling like a Pharisee
When the more important fact, was that we were going to celebrate in the Lord supper – going to share in the Grace of our Lord
I know that I have found myself feeling like a Pharisee too often these days as well
In the face of dealing with our time of transition at Farringdon, where people say things from a huge variety of perspectives, based unfortunately often on half-truths and sometimes out and out lies
I find myself defending the church and the choices of the church
And I need to always be alert, to always approach each situation with the presumption of Grace first… and look to welcome the Holy Spirit into the situation
I am often thinking about my responses, when I need to strive for the kingdom of God first – regardless of whether what is being said is fair or not
We Christians - especially those that that have been willing to boldly represent themselves as Christians - need to live in accordance with our appearances
There is a joke about the women that is drives in hurry to work, changing lanes fast, honking her horn at those that are in her way - and making middle digit gestures at those that don't drive to her liking
She gets pulled over by the police and put in prison
After waiting some time she is released with no charges - in anger she asks why she was pulled over and put in prison
To which the officer responds that he thought her Car was stolen because he saw the fish icon (the symbol of Christianity) on the back
She wasn't acting the part that she was professing
Appearances or even unspoken reputations…
What we represent does send a message of who you are and that is the part of today's scripture - both the New Testament Reading and the Gospel
In the letter the Philippians, we hear St. Paul responding to those that were known as the Super Judizers
People who claimed a high Jewish pedigree – too which St. Paul counters with his own
If anyone else has reason to be confident in the flesh, I have more: 5circumcised on the eighth day, a member of the people of Israel, of the tribe of Benjamin, a Hebrew born of Hebrews; as to the law, a Pharisee; 6as to zeal, a persecutor of the church; as to righteousness under the law, blameless. (Philippians 3:4c-6)
But appearances and pedigrees aside – St. Paul continues by saying
7Yet whatever gains I had, these I have come to regard as loss because of Christ. 8More than that, I regard everything as loss because of the surpassing value of knowing Christ Jesus my Lord. For his sake I have suffered the loss of all things, and I regard them as rubbish, in order that I may gain Christ (Philippians 3:7,8)
St Paul is asking them to see things for what they truly are
It is a call to action in faith - a call to ministry of faithfulness beyond the interpreted traditions
An age old quest for those with religious inklings has always been – "How do we get to Holy"
The answer has been approached by as many methods as there are people on the earth
And our Lord through scripture appears to be giving us examples and teaching on different ways
One way, is to create rules and establish a system of justice, penalties for those that breach and rewards for those that stay within
Some people look for and need the structure of such rules and by keeping them develop an inner sense of Holy
We might look to our first reading from Old Testament today – with the Ten Commandments and see this as a method towards Holy
This is I believe the foundation for the Pharisees of Jesus' day
And even more than that, they built on the foundation of scripture and added layers of tradition beyond
Yet, if we truly examine our hearts deeply and honestly, as we examine our thoughts, words, and deeds – we know that it is an impossible task to perfectly achieve holiness or righteousness this way
And Jesus in the time bomb of the parable today explodes the Pharisees presumptuous ways
Their pretending everything is something… that it ultimately could never be
Instead, the answer to Holiness is found more in our reading from Philippians
Where at first St. Paul builds up a straw man, only to burn it down and reveal something profoundly more important
Not that I have already obtained this or have already reached the goal; but I press on to make it my own, because Christ Jesus has made me his own. (Philippians 3:12)
We strive for the image of God that we are made in – strive… for that is the work of Righteousness or Holiness
Yet the Gospel, the good news, is that …First - Christ Jesus has made us His own
The error of the Pharisees was not that Holiness was bad goal
The error was thinking that it was achievable by their efforts alone
How we get to Holy – is by accepting the Holy that Christ freely gives to us and has done for us…
As we prepare ourselves alongside Christians through-out the world today, this "World Communion Sunday" – let's keep our eyes on Jesus
Let us celebrate the great heavenly banquet rehearsal knowing that it is not us and what we do and the way that we do it that makes us Holy
It is Grace … it is the saving Grace of Jesus Christ the Lord
Thanks be to God - Amen


text:
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We provide complete deliveries of machine parts.
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text:
Minstermen land winger Puri
York have completed the capture of Estonia international Sander Puri.
Last Updated: 14/06/13 2:36pm
York have completed the capture of Estonia international Sander Puri.
The versatile winger agreed to join the Minstermen on June 1 and, having been away with his country, has now put pen to paper on his two-year deal.
Puri, 25, joined Scottish club St Mirren in March on a deal until the end of the season but made just two appearances
Speaking earlier this month, York boss Nigel Worthington said: "He's a wide player who can play on the right or left.
"I remember him playing against us when I was manager of Northern Ireland and, being in the same group, we obviously watched Estonia several times and I've looked back at my reports from then.
"He's 5ft 9in tall and, when I was talking about our need for tall players not preventing us from signing a good, small one, he falls into that category."


text:
Crisis: Austerity measures having serious impact on Portuguese health
The Spring Report 2012 of the Portuguese Observatory on Health Systems says the increased pressure on reducing expenses has affected the quality of the healthcare on offer in Portugal.
As strict cost-cutting measures imposed by the austerity packages condition behaviours and limit expenses, the crisis is having a serious impact on the country's healthcare system and harming the health of the Portuguese, says a report released on Thursday by the Portuguese Observatory on Health Systems in collaboration with the European Observatory on Health Systems and Policies.
The Spring Report 2012 called "Crisis & Health – A country in pain" assesses the impact of the crisis on Portuguese health and reveals that the increased pressure on reducing expenses has affected the quality of the healthcare on offer.
The effects due to the intensification of the crisis and the resulting pressure to reduce expenses are creating a climate among healthcare services that drives them not to offer patients what is best for their health", says the report quoted by newspaper i.
The report describes the experience of several people who had to interrupt treatment when showing the first signs of improvement because they did not have enough money to pay for it. It also finds the correlation between some exams results and specific treatments is no longer linear as services attempt to save money.
The Observatory on Health Systems and Policies acknowledges that national authorities made a "considerable effort to receive a positive rating" during the troika's regular assessments about limiting Government's expenses.
Since last year, Portugal has been living under an international bailout provided by the so called troika made up of the European Union, the European Central Bank and the International Monetary Fund and the country must meet some financial goals in order to receive its bailout tranches.
The report is somewhat critical of the Memorandum of Understanding signed between Portugal and the troika and argues it lacks an analysis of the crisis impacts on health as unemployment and impoverishment see a surge in depression, suicide as well as the risk of alcoholism and drug addiction.
The national observatory asked the Ministry of Health if these impacts were being monitored but no answer was received. Nonetheless, the report concludes the crisis can intensify mental diseases and addiction, along with infectious diseases.
Reacting to the report, the Government said in a statement that "most of the critics (…) match the execution of the Troika's programme" and it criticises the report for not distinguishing between the memorandum's undesirable measures and the measures which are necessary and urgent.


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Ali Wise Tells a Different Tale
So much for that report in the Daily News yesterday that fallen publicist/socialite Ali Wise has signed on to appear in Tinsley Mortimer's upcoming reality show, Empire State. A publicist for Wise—yes, even publicists have their own publicists from time to time—says that Wise has not (yet?) agreed to appear on the CW show.
The Daily News has since revised its original story based on Wise's denial, although what remains doesn't make a whole lot of sense. According to the new version of events, Wise did appear on camera when the Tinz's crew filmed a party for Stacey Bendet's new Alice + Olivia pop-up shop last week. But she supposedly hasn't signed a release allowing the CW to air the footage. And while Wise's flacks insist she hasn't agreed to cooperate with the show, the paper's source says she "will continue to be shot for Empire State while she's out and about in NYC—at least up until her next NYC court date, on Jan. 14."
So either Wise really doesn't have anything to do with the show and her name was tossed out to the Daily News in an effort to generate yet more press for Tinsley's troubled show. (And she's been known to do some silly things to stir up attention, clearly.) Or Wise is taking part—or at least thinking about it—but isn't ready to announce her participation yet.
Take your pick. And take an aspirin if this whole saga is beginning to make your head hurt.
All Ali Wise coverage [Cityfile]
All Tinsley Mortimer coverage [Cityfile]


text:
In what appears to be a major event for application developer Slide, Top Friends, the third largest application by daily active users and installs, has disappeared from the Facebook Platform.
As of 12:01am Pacific Time:
- Going to the Top Friends app page redirects to the Facebook home page
- Searching the application directory for "Top Friends" yields nothing
- The Top Friends box is missing from all profile pages
While Platform performance is expected to be intermittent from time to time, this is either a pretty big accident or significant action taken by Facebook. We'll have more soon.
Update: Facebook has just confirmed that this is an intentional suspension. Facebook says,
We have suspended the Top Friends application while we investigate violations of our Terms of Service. We recognize this is a popular application and don't take this action lightly.
Apparently, Top Friends was allowing access to non-friends' personal information in a way that violated the TOS. This is a pretty siginificant disciplinary action by Facebook. As of 9:00am, Top Friends is still not available.


text:
Continuum: Lifelong Learning in Neurology®, the AAN's premier CME journal, provides up-to-date subspecialty reviews from the front lines of neurology and gives physicians the opportunity to earn CME credits. Before an issue is published, neurologists—both topic experts and non-experts—are needed to serve as peer reviewers and provide comments on the clarity and correctness of the text. Reviewers are desired in all subspecialties, as well as general neurologists.
If you are interested in serving as a peer reviewer for Continuum, please contact Amanda Doering Tourville at email@example.com. All reviewers receive a complimentary copy of the issue they review upon publication.


text: On Mon, Sep 27, 1999 at 05:16:28PM +1000, Brian May wrote: > apt, for starters is broken: Whats worse: 1. Complaining about a problem and not having it fixed. 2. Complaining about a problem, and subsequently finding it already has been fixed. ???? Well, in my case, the problems I encountered with apt been fixed in the latest potato version. ;-) apt-get works perfectly, and I haven't had any problems yet that I can blame on it. -- Brian May <email@example.com>


text:
|Physical activity and cognitive function in multiple sclerosis.
MedLine Citation:
|PMID: 21984644 Owner: NLM Status: In-Data-Review
|Cognitive impairment is prevalent, disabling, and poorly managed in persons with multiple sclerosis (MS). This cross-sectional study examined the associations among physical activity, cognitive processing speed, and learning and memory in 33 persons with MS who underwent neuropsychological assessments and wore a physical activity monitor for 7 days. Cognitive impairment was greatest in cognitive processing speed. Physical activity was significantly correlated with cognitive processing speed (pr = .35), but not learning and memory (pr = .20), after controlling for sex, age, and education. Researchers should examine exercise training and physical activity effects on cognitive performance, particularly processing speed, in MS.
|Robert W Motl; Eduard Gappmaier; Kathryn Nelson; Ralph H B Benedict
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Publication Detail:
|Type: Journal Article
Journal Detail:
|Title: Journal of sport & exercise psychology Volume: 33 ISSN: 1543-2904 ISO Abbreviation: J Sport Exerc Psychol Publication Date: 2011 Oct
Date Detail:
|Created Date: 2011-10-10 Completed Date: - Revised Date: -
Medline Journal Info:
|Nlm Unique ID: 8809258 Medline TA: J Sport Exerc Psychol Country: United States
Other Details:
|Languages: eng Pagination: 734-41 Citation Subset: IM
|Department of Kinesiology and Community Health, University of Illinois at Urbana-Champaign, Urbana, IL.
Export Citation:
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|MeSH Terms
From MEDLINE®/PubMed®, a database of the U.S. National Library of Medicine
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Perfect for social media campaigns and blogs. Web photos (up to .5 MP). 1 Seat.
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wooden, surface, Clear, printed, glass, beer, brown, german, shoot, tastes, local, pub, commercial, building, public house, alcohol, plant part, food, sprout, taste, beverage, preference, brew, liking, saloon, tavern
A local, German pub, commercial shoot. Several tastes of beer.


text:
If you love the bubbly, quirky Ellie Kemper in the Netflix show Unbreakable Kimmy Schmidt, then you will love her in Buick's new digital ad campaign for the 2016 Buick Cascada and other great Buick vehicles.
For the ads, Buick and Ellie Kemper join together to show off the fun and imaginative sides of the Buick vehicles. In the ads, Kemper shows off her vivacious personality as she imagines herself getting to know the Buick lineup.
"Our Ellie Kemper series invites viewers to join her in discovering the new Cascada and today's modern, approachable Buick brand," said Duncan Aldred, U.S. Vice President of Buick and GMC Sales, Service and Marketing, in a statement. "This innovative digital-only campaign is another example of how Buick surprises consumers and reach audiences in exciting new ways."
Watch the full three-minute ad below.
You can also see other spots with Kemper that highlight some great Buick Cascada features like the heated steering wheel and automatic convertible roof on Buick's YouTube channel.
What do you think of this new series of Buick digital ads? Tell Ewing Buick GMC in Plano, TX below.


text:
Podcast: Play in new window | Download (Duration: 1:01:59 — 56.7MB)
Hostess Maria Auxiliadora Viloria and Raquel Anderson interview Jill Pettit and Kristin Sayler both students from IU that came to talk about Autism, causes, cure and symptoms. Also "un Cafecito con…" with Israel Herrera and his guests Banda Amigos Field. Sport with Colin Airriess and the events of the week.


text:
About Caroline Starr RoseSee more books from this Author
As unforgiving as the western Kansas prairies, this extraordinary verse novel—Rose's debut—paints a gritty picture of late-19th-century frontier life from the perspective of a 12-year-old dyslexic girl named Mavis Elizabeth Betterly… May B. for short.Dec 27 2011 | Read Full Review of May B.
Set on the Kansas prairie in the 19th century, this debut novel in verse presents a harrowing portrait of pioneer life through the perspective of 12-year-old Mavis Elizabeth Betterly, called May B.Dec 05 2011 | Read Full Review of May B.
May's perseverance, not just in surviving but also in following her dreams and struggling to accept herself, makes her a character readers will love to root for.Jan 10 2012 | Read Full Review of May B.
Twelve-year-old Mavis Elizabeth Betterly (May B.) is a Kansas prairie pioneer girl, whose parents send her to a neighboring homestead to help out – "Just until Christmas," her father promises.| Read Full Review of May B.
(Middle schools, high schools, small libraries, all libraries, etc.) Elementary and public libraries.Feb 15 2012 | Read Full Review of May B.
We read the words as she reads them, and we can identify how the words are jumping around and she's not slow or stupid like her mean Teacher had said.Jan 07 2012 | Read Full Review of May B.
An aggregated and normalized score based on 60 user ratings from iDreamBooks & iTunes


text:
Originally posted on Busted Coverage | Last updated 2/4/13
That's Johnny Manziel at a Super Bowl party holding what looks to be a cold beer. The young lady on the right is CBS 42 (Birmingham) reporter Alex Corddry ( @ACorddry). She ran into Scooby in New Orleans on Saturday at what looks to be the HDNet party where Manziel was hanging with Justin Timberlake and Jessica Biel. Before anyone gets crazy over Scoob hitting a cold one at Mark Cuban's party, let's take a look at Louisiana drinking laws for the under-21 crowd. One can enter most bars at 18 years of age but must be 21 years old to purchase or consume alcohol. Also, it is legal in the state of Louisiana for a legal parent or guardian to purchase alcoholic beverages for their underaged child. In other words, Manziel in New Orleans is a worst-case scenario for Texas A&M's push to make Manziel a more responsible Heisman winner. You might remember the conversation school officials had with Scooby and his parents after winning the trophy. A&M athletic director Eric Hyman said in January: "It's (about) education, and we've got to help the family and Johnny with the transition into being a Heisman award winner," Hyman said. "There are things you have to learn, and we have to help him with that." • Never have your beer bottle in a photo at a Super Bowl party • Never allow someone to snap a photo of you fanning cash at a casino • Never hold a styrofoam cup on a French Quarter balcony with the Duck Dynasty crew. • Never stand on a Bourbon Street balcony There's obviously much more training that needs to be done by the A&M front office. Luckily for us, the chat went in one ear and out the other. We love watching this guy party at the Super Bowl or wherever. He's a pageviews machine. A&M fans will ultimately think BC is picking on Johnny Cold One. That couldn't be further from the truth. Yes, you've told us his family is loaded. His parents can buy him beers. He can gamble. We love it all. Please don't stop being Johnny Football. (That's Father Manziel, far left) Filed under: Football
PLAYERS: Mark Cuban, Justin Timberlake, Jessica Biel
TEAMS: Dallas Mavericks
TEAMS: Dallas Mavericks
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