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Best Tips for Choosing Windows
Choosing windows, whether they are replacement windows or windows for new construction, take research. Window salespeople have great pitches, some of which can seem hard to refuse. How can you judge for yourself whether or not they are offering you the right windows for your house? Go into the meeting with information "in your pocket." Know about R-values, grades of windows, window frames, and the true energy-saving potential of replacement windows.
Here is a list of Networx articles that will give you the information you need:
What is builder grade?: Know the difference between builder grade windows and higher-end windows, so that you can get the best investment from your window purchase.
Translucent, but not transparent, glass: From glass block windows to frosted glass, some rooms can benefit from translucent, rather than transparent, windows.
Storm window guide: Why and how to buy storm windows. Get the most bang for your buck when you buy storm windows.
Comparing energy efficiency of windows: How can you know which R-value you need? A window expert dispels R-value myths.
Energy-efficient window frames: Did you know that window frames are as important, if not more important, for energy efficiency than window panes? Maybe it's not the panes, but the frames, of your windows that need replacement. Carpentry advice.
For energy-efficiency, replace your windows last: Understand the way that insulation relates to windows and window frames. A window salesperson might tell you that windows can cure all of your home energy issues. Not so fast. Written by an Atlanta contractor and green building expert.
Chaya Kurtz writes for Networx.com.
Looking for a Pro? Call us(866) 441-6648

subset: commoncrawl


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See what I did there? Injected a gun-related reference into the headline—just in case you thought that the suspension of a reality TV star for insisting that a vagina is better than an anus for sexual congress (and gays are sinners) has nothing to do with guns. As I stated from the git-go, the Robertson clan is inexorably linked to duck hunting and thus guns in the public mind. So Phil's reinstatement (A&E press release after the jump) tells The People of the Gun . . . something. As for anti-gunners who already see gun owners as dumb, ignorant, racist, homophobic rednecks, no change. Now aren't we glad we went through all that? . . .
As a global media content company, A+E Networks' core values are centered around creativity, inclusion and mutual respect. We believe it is a privilege for our brands to be invited into people's homes, and we operate with a strong sense of integrity and deep commitment to these principles.
That is why we reacted so quickly and strongly to a recent interview with Phil Robertson. While Phil's comments made in the interview reflect his personal views based on his own beliefs and his own personal journey, he and his family have publicly stated they regret the "coarse language" he used and the misinterpretation of his core beliefs based only on the article. He also made it clear he would "never incite or encourage hate." We at A+E Networks expressed our disappointment with his statements in the article and reiterate that they are not views we hold.
But Duck Dynasty is not a show about one man's views. It resonates with a large audience because it is a show about family … a family that America has come to love. As you might have seen in many episodes, they come together to reflect and pray for unity, tolerance and forgiveness. These are three values that we at A+E Networks also feel strongly about.
So after discussions with the Robertson family, as well as consulting with numerous advocacy groups, A&E has decided to resume filming Duck Dynasty later this spring with the entire Robertson family.
We will also use this moment to launch a national public service campaign (PSA) promoting unity, tolerance and acceptance among all people, a message that supports our core values as a company and the values found in Duck Dynasty. These PSAs will air across our entire portfolio.


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Aquarium Dumping Linked To Giant Tahoe Goldfish
You're going to need a bigger fishbowl.
Scientists searching for invasive species in Lake Tahoe scooped up a bright orange goldfish measuring nearly a foot and a half long and weighing more than 4 pounds, according to the website Live Science. (You can see it here.)
Environmental scientist Sudeep Chandra says a survey has uncovered a "nice corner" of the lake where about 15 other giant goldfish were living, apparently after being dumped there by aquarium owners.
Finding that many domestic goldfish (scientific name Carassius auratus) in one place is "an indication that they were schooling and spawning," Chandra tells Live Science.
"It's unclear whether the giant fish were introduced as fully grown adults, or while they were still small, Chandra said. But even a small creature can have a big impact, if there are enough of them.
"The goldfish are just one of several species of invasive warm-water fishes in Lake Tahoe. 'The invasion is resulting in the consumption of native species,' Chandra said. What's more, the invasive fish excrete nutrients that cause algal blooms, which threaten to muddy Tahoe's clear waters."
The story goes on to explain that aquarium dumping has become "a common practice in the United States and elsewhere, and it's taking a toll on native wildlife."
Sue Williams, a professor at the University of California, Davis, Bodega Marine Laboratory, co-authored a study that found the aquarium trade has contributed to one-third of the world's worst aquatic and invasive species problems.


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Learn how to upgrade your phone to 5G phone and how to access AT&T's 5g network with a 5G phone plan.
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Get help with your wireless phone, plans, orders, and voicemails. Learn how to fix common issues or contact us.
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Our trade-in offers for new and existing customers can bring the phone price down to free or $0. Be sure to check back often for the newest deals on popular phones in Bayport.
AT&T has a variety of cell phone deals for everyone. Trade-in deals for the newest iPhone & Samsung phones can help lower the price. Other phones deals don't need a trade-in at all, making it easy to save.
Yes, and with Unlimited Your Way, you can pick a plan for each line on your account. All plans include unlimited talk, text & data, AT&T 5G, and AT&T ActiveArmorSM security. Plan choices for each line differ based on price and included features like hotspot data, 4K UHD, and HBO Max so you can get a perfect match for each family member.
The best AT&T cell phone plan will depend on your personal needs and budget. The AT&T Unlimited Elite® plan provides unlimited talk, text, & high-speed data that can't slow down based on how much you use, as well as access to 4K UHD streaming, and 5G access on eligible phones. 5G not available everywhere. Go to att.com/5Gforyou for details.


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Diabetes and Heart Disease
You've probably heard that people with diabetes are at risk for multiple health complications, including cardiovascular disease. As it turns out, cardiovascular disease is especially common among people with diabetes: The majority of people with type 2 diabetes will eventually develop it.
Although most people have heard of cardiovascular disease, few understand exactly what it involves. Healthcare providers use the term "cardiovascular disease" to describe many conditions that affect blood circulation in the body:
Heart disease happens when blood circulating to the heart is slowed or stopped because of a blocked artery. Heart disease can result in chest pain, a heart attack, or even sudden death.
Heart failure happens when the heart loses its ability to pump blood as it should. Heart failure can be caused by a number of factors. These include damage to the heart or blocked arteries.
Stroke happens when blood flow to the brain is blocked. This is the most common type often because of a blood clot or blockages within arteries.
Peripheral arterial disease consists of blockages in the arteries to the legs and feet.
What causes cardiovascular disease?
Most people think of obesity when they think of cardiovascular disease, but another strong risk factor is age. Your risk of developing cardiovascular disease goes up at age 40, but is highest after age 70.
People with diabetes are 2 to 4 times more likely than others to develop cardiovascular disease. Because this risk is so high, cardiovascular disease remains the most common cause of death in people with diabetes.
Warning signs
Seek medical attention if:
You have chest discomfort when you walk or exercise.
You have chest pain along with tiredness (fatigue) or shortness of breath.
Your resting heart rate is usually faster than 100 beats per minute.
You are a young man with erectile dysfunction.
How is cardiovascular disease detected?
If your healthcare providers suspect cardiovascular disease, they will first look to your family health history for more information. Did your mother, father, brothers, or sisters have heart trouble? Your risk of developing cardiovascular disease is higher if you have family members with the disease. Other risk factors include bad cholesterol, obesity, and diabetes.
Healthcare providers use a variety of tests to detect cardiovascular disease. A routine blood test can show whether you have high levels of c-reactive protein. This is a marker that you're at higher risk. An electrocardiogram (ECG) will show whether your heart's electrical activity is normal. If it's not, a stress test on a treadmill, for example, will give more information that may lead to diagnosis. If you are not able to walk on a treadmill, your healthcare provider may "stress" your heart by injecting medicine through an IV. This medicine can cause the heart to beat fast and imitate the stress of exercise. Some people will be asked to have an echocardiogram. This makes pictures of the heart to show how well the muscles of the heart can squeeze and pump blood.
Protect your heart!
If your risk of developing cardiovascular disease is high, now is the time for action. You can reduce your risk, starting today, by making the following lifestyle changes.
Ask your healthcare provider to help you:
Quit smoking
Lose weight
Eat a healthy, balanced diet
Control your blood pressure
Improve your cholesterol
Find out if using aspirin therapy would help you
Set an appropriate HbA1C goal with your healthcare provider and work toward that goal


text: This seems to work on another forum i'm on, so maybe it will here. What are you listening to? New purchases, or old gems... I've been reminded of stuff i own by seeing other folks listening to it. All the other threads in here seem to be about great bands that deserve their own thread. Currently i've got Malcolm Middleton's 'A Brighter Beat' on the turntable. It gets better everytime i play it. (which isn't often enough),


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Have you got a sports facility that you want to install a multi-use games area at? Well, Canopies Shelters are the company for you!
Our experienced team has a variety of external products, including a MUGA pitch canopy that can cover differing sports pitch layouts. The sports canopy is made to provide protection and all-year-round weather protection for outside spaces to keep away rain or bright sunshine, in addition to incorporating a decorative appearance.
As a team, we have also fitted numerous canopies and sunshades for primary schools, local authorities, existing playing areas around the United Kingdom. By carrying out an array of installations, our team has loads of practical experience to ensure you get the right products and services to fit your budget.
Materials like timber, hard metal and polycarbonate are all offered to you when considering the specifications of your court to ensure that you have a wide variety of choices available to you. By offering many choices, we aim to ensure that your final product is made specifically to your demands regarding size, shape, colour, and purpose.
If you would like any more information, please feel free to get in touch with our specialist team who will be able to respond as soon as possible with all of the necessary answers you require.
MUGA covers are an excellent facility with aesthetic beauty that allows for a number of different sports to be played on one surface, normally installed at sports centres. The canopies we offer are therefore excellent for providing cover for many different sports participants as they offer protection for harsh sun and rain during their breaks from the sport. These MUGA canopies also supply airflow as they are simply shelters that are covering existing areas.
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Our incredible team can provide free quotations, early consultation with drawing files, project management, as well as full site surveys. Having an early technical involvement can often improve design and potential architects drawings, and other wide-span applications.
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There are various benefits of installing covers to your sports facilities, one of which being that you are able to have air flow through the covered MUGA areas all year round as it is only the shelter covering that protects from bad weather. The stale air is able to pass out of the sports centres, allowing areas inside to remain dry and have fresh air.
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To achieve our aim of offering the best covered MUGA pitch canopy solutions to suit the requirements of your business, we have created a broad variety of highly attractive and inexpensive MUGA pitch canopy products.
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Bug reporting guidelines
Opening (and closing) bug reports on the Arch Linux Bugtracker is one of many possible ways to help the community. However, poorly-formed bug reports can be counter-productive. When bugs are incorrectly reported, developers waste time investigating and closing invalid reports. This document will guide anyone wanting to help the community by efficiently reporting and hunting bugs.
See also: How to Report Bugs Effectively by Simon Tatham
Before reporting
Preparing a detailed and well-formed bug report is not difficult, but requires an effort on behalf of the reporter. The work done before reporting a bug is arguably the most useful part of the job. Unfortunately, few people take the time to do this work properly.
The following steps will guide you in preparing your bug report or feature request.
Search for duplicates
If you encounter a problem or desire a new feature, there is a high probability that someone else already had this problem or idea. If so, an appropriate bug report may already exist. In this case, please do not create a duplicate report; see #Following up on bugs instead.
Search thoroughly for existing information, including:
- Arch Linux Forums: The forums are often the first stop for users looking for help or sharing ideas. While a solution may not yet exist, additional background information and discussion can steer you in the right direction.
- Arch Linux Bugtracker: Your problem may have already been reported to Arch Linux developers. Duplicate bug reports are unhelpful and promptly closed. Search both closed bugs as well as open reports by choosing 'All Statuses' under Advanced. Remember to mark 'search details' and/or 'search comments' under Advanced, the bug title may not contain the text you are searching for.
- Google or your favorite search engine: Search using the program's name, version, and a relevant part of the error message, if any.
- Upstream forum, mailing list and bug tracker: If Arch Linux is not responsible for a bug, it should be reported upstream rather than the Arch Linux Bugtracker. Search both recently closed bugs as well as open reports. Bugs may have already been fixed in the program's development version.
- Other distribution forums: The free software community is vast; Archers are not the only users with ideas! Consider searching the Gentoo Forums, FedoraForum.org, and Ubuntu Forums, for example.
Upstream or Arch?
Arch Linux is a GNU/Linux distribution. Arch developers and Trusted Users are responsible for compiling, packaging, and distributing software from a wide range of sources. Upstream refers to these sources – the original authors or maintainers of software that is distributed in Arch Linux. For example, the popular Firefox web browser is developed by the Mozilla Project.
If Arch is not responsible for a bug, the problem will not be solved by reporting the bug to Arch developers. Responsibility for a bug is said to lie upstream when it is not caused through the distribution's porting and integration efforts.
By reporting bugs upstream, you will not only help Archers and Arch developers, but you will also help other people in the free software community as the solution will trickle down to all distributions.
Once you have reported a bug upstream or have found other relevant information from upstream, it might be helpful to post this in the Arch bug tracker, so both Arch developers and users are made aware of it.
So what is Arch Linux responsible for?
- Arch Linux Projects: pacman, AUR, mkinitcpio, Arch Websites. If you have a doubt about if the project belongs to Arch or not, display the package information (
pacman -Qi package_name
or using the website) and look at the upstream URL. - Packaging: Packaging basically consists of fetching the source code from upstream, compiling it with relevant options, making sure that it will be correctly installed on an Arch system, and checking that the main functionality works. Packaging at Arch does not consist of adding new functionality or patches for existing bugs; this is the job of the upstream developer.
If a bug/feature is not under Arch's responsibility, report it upstream. See also #Reasons for not being a bug.
Bug or feature?
- bug
- something that should work but does not work, contrary to the developer's intentions.
- feature
- something which software does or would do if somebody coded it.
Reasons for not being a bug
- Something you would like a piece of software to do, which is not implemented by the upstream developers. In short: a new feature.
- A bug already reported upstream.
- A bug already fixed upstream but not in Arch because the package is not up-to-date.
- A package which is not-up-to-date. Use the Flag Package Out-of-Date feature on Arch's packages website.
- A package which does not use Fedora, Ubuntu or some other community patch. Patches should be submitted upstream.
- A package where non essential function X or function Y is not activated. This is a feature request.
- A package which does not include a .desktop file or icons or other freedesktop stuff. This is not a bug if such files are not included in the source tarball, and this must be requested as a feature request upstream. If such files are provided by upstream but not used in the package then this is a bug.
Reasons for not being a feature
- When it is a bug...
- When it is not under Arch responsibility to implement the feature, i.e. an upstream feature.
- A package is not up-to-date. Use the Flag Package Out-of-Date feature on Arch's packages website.
- A package which does not use Fedora, Ubuntu or some other community patch. Patches should be submitted upstream.
Gather useful information
Here is a list of useful information that should be mentioned in your bug report:
- Version of the package being used. Always specify package version. Saying "the latest", "todays", or "the package in extra" have absolutely no meaning. Especially if the bug is not about to get fixed right away.
- Version of the main libraries used by the package (available in the depends variable in the PKGBUILD), when they are involved in the problem. If you do not know exactly what information to provide then wait for a bug hunter to ask you for it...
- Version of the kernel used if you are having hardware related problems.
- Indicate whether or not the functionality worked at one time or not. If so, indicate since when it stopped working.
- Indicate your hardware brand when you are having hardware related problems
- Add relevant log information when any is available. This can be obtained in the following places depending on the problem:
- The systemd journal. If using syslog-ng,
contains logs related to kernel and hardware related issues. ~/.local/share/xorg/Xorg.0.log
or any Xorg like log files if video related problems (nvidia, ati, xorg...)- Run your program in a console and use verbose and/or debug mode if available (see your program documentation), and copy the output in a file. When running an application in a terminal make sure relevant information will be displayed in English so that many people can understand it. This can be done by using
export LC_ALL=C
. Example with a software named foobar from which you would like to have relevant information at runtime and provided that foobar has a option: This will affect only the current terminal and will stop taking effect when the terminal is closed.
- The systemd journal. If using syslog-ng,
If you have to paste a lot of text, like the output of dmesg, or an Xorg log, is it preferred to save it as a file on your computer and attach it to your bug report. Attaching a file rather than using a pastebin to present relevant information is preferable in general due to the fact that pastebined content may suffer by expired links or any other potential problems. Attaching a file guarantees the provided information will always be available.
- Indicate how to reproduce the bug. This is very important, it will help people test the bug and potential patches on their own computer.
- The stack trace. It is a list of calls made by the program during its execution, and helps in finding part of the program where the bug is located, especially if bug involves the program crashing. You can obtain a stack trace using (The GNU Debugger) as explained in Debugging/Getting traces#Getting the trace.
Opening a bug
When you are sure it is a bug or a feature and you gathered all useful information, then you are ready to open a bug report or feature request.
Creating an account
You have to create an account on Arch's bug tracker system. This is as easy as creating an account on a wiki or a forum and there is nothing particular to mention here.
Once you have determined your feature or bug is related to Arch and not an upstream issue, you will need to file your problem in the correct project. Select the project in the drop down list to the left of the "Switch" button in the top left corner of the bug report creation page (not to the right of "Category"). There are five projects:
- Arch Linux - for packages in testing, core, or extra. It is also a place for documentation, websites (except AUR), and security issues.
- AUR web interface - for the AUR website code and server issues. This does not include third party applications used to access the AUR or packages in unsupported.
- Community Packages - for packages in community. It is not a place for packages in unsupported.
- Pacman - for pacman and the official scripts and tools associated with it. This includes things like makepkg and abs. It does not include community developed packages such as AUR helpers.
- Release Engineering - intended for all release related issues (isos, installer, etc)
There is no place for reporting problems with packages in unsupported. The AUR provides a way to add comments to a package in unsupported. You should use this to report bugs to the package maintainer.
Please write a concise and descriptive Summary.
Here is a list of recommendations:
- Do not name your report "pkgname is broken after the last update" - it is non-descriptive and "after last update" has no meaning in Arch.
- Start the Summary with package name enclosed in square brackets, e.g. "[pkgname] 3.0.5-1 breaks copy-paste feature". By naming reports this way you make it much easier for developers to sort reports by package names.
- Do not write too much text in the Summary. Excessive text will not be visible in reports list.
(e.g. links to mailing list archives) as email address links and fail miserably. To post such URLs, make sure to URL-encode @
as %40
Choosing a critical severity will not help to solve the bug faster. It will only make truly critical problems less visible and probably make the developer assigned to your bug a bit less open to fixing it.
Here is a general usage of severities:
- Critical - System crash, severe boot failure that is likely to affect more than just you, or an exploitable security issue in either a core or outward-facing service package.
- High - The main functionality of the application does not work, less critical security issues, etc.
- Medium - A non-essential functionality does not work, UNIX standards not respected, etc.
- Low - An optional functionality (plugin or compilation activated) does not work.
- Very Low - Translation or documentation mistake. Something that really does not matter much but should be noticed for a future release.
Including relevant information
This is maybe one of the most difficult parts of bug reporting. You have to choose from the section #Gather useful information which information you will add to your bug report. This will depend on which your problem is. If you do not know what the relevant pieces of information are, do not be shy: it is better to give more information than needed than not enough.
A good tutorial on reporting bugs can be found at https://www.chiark.greenend.org.uk/~sgtatham/bugs.html.
However, developers or bug hunters will ask you for more information if needed. Fortunately after a few bug reports you will know what information should be given.
Short information can be inlined in your bug report, whereas long information (logs, screenshots...) should be attached.
Following up on bugs
Do not think the work is done once you have reported a bug!
Developers or other users will probably ask you for more details and give you some potential fixes to try. Without continued feedback, bugs cannot be closed and the end result is both angry users and developers.
Voting and Watching
You can vote for your favourite bugs. The number of votes indicates to the developers how many people are impacted by the bug. However, this is not a very effective way of getting the bug solved. Much more important would be posting any additional information you know about the bug if you were not the original reporter.
Watching a bug is important: you will receive an email when new comments are added or the bug status has changed. If you opened a bug, verify that the "Notify me whenever this task changes" checkbox is activated in order to receive such emails.
Answering additional information requests
People will take the time to look at your bug report and will try to help you. You need to continue to help them resolve your bug. Not answering to their questions will keep your bug unresolved and likely hamper enthusiasm to fix it.
Please take the time to give people more information if requested and try the solutions proposed.
Developers or bug hunters will close your bug if you do not answer questions after a few weeks or a month.
Updating the bug report when a new package version is out
Sometimes, a bug is only present in certain version(s) of a given package, and the bug is fixed in a new version of the package. If this is the case, say so in the bug report comments, and request that the bug be closed.
Closing when solved
Sometimes people report a bug but do not notify when they have solved it on their own, leaving people searching for a solution that has already been found. Please request a closure if you found a solution, and give the solution in the bug report comments.
Bug status
During its life, a bug may go through several states:
- Unconfirmed - This is the default state. You have just reported it and nobody managed to reproduce the problem or confirmed that it is actually a bug.
- New - The bug is confirmed but it has not been assigned to the developer responsible for the related software. It is usually the case when more investigation is needed to determine which software is responsible for the bug.
- Assigned - The bug has been assigned to a developer responsible for the software involved in the bug. It does not mean that the developer will be the one who will fix the bug. It does not even mean that the developer will work on a solution. It just means that the developer will take care of the life cycle of the bug, including reviewing patches if any, releasing a fix and closing the bug when required. It is unwise to contact a developer directly and to ask them to fix it more quickly; they will certainly not like this.
- Researching - Somebody is looking for a solution. This status is rarely used at Arch, for good reason. The researching status could make people believe they do not need to get interested in the bug report. But usually we need more than one person to fix a bug: having several experienced people on a bug helps a lot.
- Waiting on Response and Requires testing - The one who reported a bug has been asked to provide more information or to try a proposed solution, but they did not reply yet. These statuses are rarely used at Arch, but should be used more often. Still, it is important that you watch the bug (see #Voting and Watching), as developers or bug hunters usually ask questions in the comments.
- A task closure has been requested - This is not exactly a status, but you may find some bug reports with such a notification. This indicates that somebody requested a closure for the bug. A reason is added to the request most of the time. It is upon the assignee developer to decide whether they will accept the closure or not.
- Closed - Either this is not a valid bug (see #Reasons for not being a bug) or a solution has been found and released.
Some people (e.g. developers, TUs) are responsible for dispatching bugs and setting their status.


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American Lung Association
55 West Wacker Drive
Suite 1150
Chicago, IL 60601
This is a website covering all kinds of information about diseases and conditions of the lungs, including various types of pneumonia. Information on how to quit smoking, and lots of data and statistics are available. You can also link into your local American Lung Association's website and can get information on activities and programs occurring all over the nation. Research programs are discussed, and links to a variety of relevant websites are also available.
Centers for Disease Control and Prevention
1600 Clifton Road
Atlanta GA 30329-4027
This site provides information on many types of pneumonia, prevention guidelines, data, and statistics. You can also get information on how to stay healthy while traveling to different countries, as well as a huge amount of other information pertaining to public health, tracking disease trends globally, and international health initiatives.
National Heart, Lung, and Blood Institute
PO Box 30105
Bethesda, Maryland, 20824-0105
This website has detailed information about various heart, lung, and blood disorders, including information on various types of pneumonia. Information is available for patients, the general public, and healthcare providers. News and press releases about recent research findings are available. There are details on research projects seeking volunteers if you are interested in participating in a clinical trial. Numerous links to other pertinent sites are also available.


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Got this data from NOAA via the spectacular Data.gov. It tracks 56 years of tornado paths along with a host of attribute information. Here, the tracks are categorized by their F-Scale (which isn't the latest and greatest means but good enough for a hack like me), where brighter strokes represent more violent storms.
Animations and Stuff
Check out the interactive version here.
Check this tornado tracks map broken out by F-Scale here.
Check this tornado tracks map broken out by seasonality here.
Check this tornado tracks as a print, available here.
Animated by month or by year.
Here is a more recent breakout of tornadoes by the direction they traveled.
Here is an updated version of the Tornado Tracks map with newer data, including the horrible 2011 season. Thanks to NOAA's http://www.spc.noaa.gov/wcm/ for the historical csv coordinate dataset and Adam Hill for development. Interestingly ('excitedly' if you are a supernerd), while the original was a manual creation, this update is based on a raw export from Visual Fusion. Export your own from the interactive version, here.
Other Sort-Of Related Maps
If this map is interesting to you, you might be amenable to plunging down the rabbit hole of related visualizations...


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Cat5e Red Ethernet Patch Cable, Snagless/Molded Boot, 150 foot - 10X6-071150
Product DescriptionCat5e Ethernet cables of the 150 foot length have a variety of uses. These cables will provide a greater reach for those situations that require more serious distances. These Ethernet Cables are great for the home office or any other environment.
This particular cable is a red UTP (Unshielded Twisted Pair) patch cable with molded boots (snagless installation) and extra protection for the RJ45 connector and clip. The connectors are wired to the T568B standard. The individual conductors are 24 AWG (American wire gauge) stranded pure copper. Cat5e patch cables are stranded to improve flexibility. Pure copper conductors provide the best signal possible. The RJ45 plug features gold connectors to prevent corrosion thus ensuring a longer cable life. Our Cat5e Ethernet patch cables exceed the EIA/TIA-568-C standard.


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Outdoor Art Pros Shipping Information
Orders received by Outdoor Art Pros are typically sent either by UPS, FedEx, U.S. Postal Service, or freight carrier. Please refer to the individual product you are purchasing for shipping times. Standard Shipping typically takes between 4 - 7 business days depending on your location.
**If you would like faster delivery times please contact a customer service representative at Outdoor Art Pros and they will try to accommodate your request.
Free Shipping Offer
All of our products are eligible for free shipping, as long as the shipping address is located within the continental United States. This applies to ground shipping only; Expedited shipping charges can be obtained by calling our customer service line.
Customers Outside the Continental U.S.
Many of our products can ship internationally, but the customer is responsible for shipping charges. If you wish to ship something outside the continental U.S., please contact Outdoor Art Pros for a shipping quote. Please have the product name you wish to purchase as well as a full shipping address ready when you call or e-mail. This will speed up the process to give you a quote. The customer is responsible for any duties, fees or taxes imposed by the receiving country.
*Additional charges may apply for products over 150 lbs. requiring truck or freight delivery. See the Truck Delivery section for details.
Truck Delivery
- Due to the weight and size of many large or heavy items they must be sent via independent freight carriers. Here are a few things to note.
- On the delivery for fountains with large bases, a forklift is required for delivery as the base will be too big for lift-gate service. You must arrange this prior to fountain delivery. NOTE: Although most fountains DO NOT require a forklift because they can fit on a lift gate, If you are unsure whether or not your fountain needs one please contact us before the arrival of your fountain.
- The trucking service will contact you typically 1-2 days before delivery to schedule the delivery time. If you make an appointment with the trucking company, please make sure you are there for arrival. Failure to be there to accept delivery could result in redelivery fee charged by the trucking company. This is not the responsibility of Outdoor Art Pros.
- It is also important you are there to accept delivery to be able to inspect your purchase for potential damages. Signing for your product is necessary for your protection.
- The delivery driver will deliver your items curbside of your home. They are not responsible for taking the product onto your driveway or into your home. Therefore, moving the item from curbside may require your assistance. You can always ask the driver to assist you however they are not required to do so. Special services are the responsibility of the customer. We do not pay for any storage fees that the trucking company may charge if you do not take immediate delivery of your item. White Glove service may be available in some areas by some trucking companies. Please contact us prior to delivery to see if this service is available. If White Glove service is arranged it is the responsibility of the customer. Any recon signing (changing of original shipping address) of shipments is not the responsibility of Outdoor Art Pros and any fees are the responsibility of the customer.
- Very heavy items will require a forklift to move them from the curbside to their permanent location. You can contact a local contractor or landscaper to help you with this.
- Please be aware that if you suspect any damage upon delivery please mark the bill of laden - SUBJECT TO INSPECTION, so any issues may be corrected or parts replaced. Please contact Outdoor Art Pros immediately to report any damages or issues.
Expedited Shipping Policy
Any additional charges for Expedited Shipping will NOT be refunded on shipments that are delayed due to causes beyond UPS's control, including but not limited to the following:
- The nature of the shipment, defect, or inherent vice of the product;
- Failure of the Shipper or Consignee to observe any term contained in these Air Freight Terms, including but not limited to improper or insufficient packaging, securing, addressing or marking of any shipment, including omission of, or provision of, an incorrect Consignee address or ZIP code on the Air Waybill, providing insufficient information, or the Shipper's failure to follow any term related to shipments that are not acceptable for transport.
- Acts of God, weather conditions, environmental or hazardous goods incidents, perils of the air, public enemies, public authorities acting with actual or apparent authority, acts or omissions of customs officials or similar authorities, the application of security regulations imposed by the government or otherwise applicable to the shipment, authority of law, quarantine, riots, strikes or other labor disputes or disturbances, civil commotions or hazards incident to a state of war, local or national disruptions in ground or air transportation networks or systems due to events beyond our control, disruption or failure of communication and information systems, disruption or failure of utilities, or other circumstances beyond our control (hereinafter referred to collectively as "Force Majeure Events").
- Compliance with laws, government regulations, orders or requirements, or any cause beyond our control.


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23860 Real Estate Listings
Search condos for sale in Hopewell through our MLS powered real estate search. Find and compare homes, condos, and land for sale in Hopewell. Visit open houses or schedule a tour online with one of our partner agents. When you're ready to make an offer on a Hopewell home, you'll receive a 50% commission credit when you submit your offer online with OfferDash®.


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Kids > Shoes > Sneakers > New Balance > New Balance - Unisex-Baby Hook And Loop 888 Shoes
Having the right fit is essential to performing your best, no matter what your activity. That's why New Balance offers the majority of our shoes in multiple widths, from narrow (2A) to extra-extra-wide (6E). New Balance is the only manufacturer to offer so many width options, ensuring you the best possible fit.
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Union Carbide Nuclear Division, which started out as Carbide and Carbon Chemicals Co., operated the Atomic Energy Commission/Energy Research and Development Administration/Department of Energy sites in Oak Ridge, Paducah, Ky., and Portsmouth, Ohio, until 1984, some 40 years. The report this series of articles are documenting covered only the first 20 years. I am working on documenting the second 20 years of UCND's accomplishments, as well. Bill Wilcox, retired technical director of both Y-12 and K-25, as well as the official Oak Ridge city historian, is helping with that effort.
The articles in this series are taken from a publication produced by Union Carbide Nuclear Division in the early 1960s, which provides some insights into technological advances and substantial manufacturing accomplishments that were being made in Oak Ridge just 20 years after the Manhattan Project came to East Tennessee. The publication was provided to me by Tim Gawne of Oak Ridge National Laboratory after he found a copy in the ORNL Library archives.
This section covers the Gaseous Diffusion Plants:
Process improvements
"The process development program supporting fissionable materials production is one of the most rewarding activities carried on by the Commission. Major reductions in cost of fissionable materials have resulted from these efforts. The program is conducted by contractors operating the major fissionable materials production facilities, and is analogous to the development and improvement programs pursued by progressive private industries.
"All components of the gaseous diffusion process, such as barriers, gas compressors, gas coolers, and coolant, have been under study since the K-25 plant at Oak Ridge was put into operation in 1945. As a result of these studies, intensified when the expansion program started, improvements have been made in every part of this process. Net results of the improvements over the years are that the capital costs for diffusion plants built since 1946 have been several billion dollars less than if the plants had been built utilizing the same types of equipment as in the original K-25 plant. In addition to the savings in capital investment, these improvements also have resulted in annual operating costs which are several hundred million dollars less than plants of the K-25 type.
"A large-scale operation"
The gaseous diffusion process is huge. Through the cooling towers at the K-25 plant and at Paducah, Ky., more than 400 million gallons of water are circulated every 24 hours. This is enough to serve a city of two million people.
"Other statistics are equally staggering. The AEC capital investment in Oak Ridge and Paducah diffusions plants is $1,644,000,000. This is equivalent to more than $300,000 capital investment per employee, and about 10 times the average per worker in the chemical industry. The diffusion process buildings at Oak Ridge and Paducah cover about 420 acres. Electrical power consumption for these two plants is about twice that of New York City. In February 1962, the plants completed shipments of more than one million pounds of uranium hexafluoride for AEC's Civilian Applications Program. This uranium will be used in power reactors all over the world.
"Shown above (photo not included) is a portion of the largest fluorine plant in the free world located at Paducah. Fluorine is used to manufacture uranium hexafluoride feed for the cascade. From the time Carbide agreed to operate the diffusion plant, its personnel have had an active interest in the manufacture of diffusion barrier and uranium hexafluoride feed. Carbide carried out successful development programs to improve the manufacture of both vital materials. The success resulted in construction of the feed plants in Oak Ridge and Paducah.
Milestones in gaseous diffusion
1939 — U.S. Vanadium developed a process for preparing uranium concentrate as a byproduct from their vanadium operations. Union Carbide's Linde Research Laboratory developed a process for preparation of pure sodium diuranate from the concentrate.
1940 — Scientists at Columbia University became interested in the large-scale separation of uranium isotopes. This work was sponsored by Naval Research Laboratory, and later by the Office of Scientific Research and Development.
July 1, 1941 — An OSRD contract was signed with Columbia University which specifically called for diffusion research. The contract was followed by others with OSRD, and later with the Manhattan District, and led to the organization of the SAM (Substitute Alloy Materials) Laboratories at Columbia. This organization had the primary responsibility for gaseous diffusion research and development.
Oct. 31, 1941 — Leo Szilard requested eight pounds of uranium oxide from Union Carbide for analysis by the National Bureau of Standards.
Aug. 1, 1942 — Union Carbide received an order for 2,000 pounds of uranium oxide for experimental purposes. It was shipped from stock the next day.
Oct. 20, 1942 — The U. S. Engineers Office ordered 80,000 pounds of uranium oxide, the first order under Contract W-7401 eng-15.
Dec. 14, 1942 — The Manhattan District signed a contract with the Kellex Corp., a subsidiary of M.W. Kellogg Co., to serve as architect-engineers for construction of a gaseous diffusion plant.
Jan. 18, 1943 — J. A. Rafferty, president of Carbide & Carbon Chemicals Co., accepted a letter contract to operate a gaseous diffusion plant, and to perform certain research and development and consulting services on the project. Lt. Col. K.D. Nichols signed for Manhattan Engineer District.
May 18, 1943 — J.A. Jones Construction Co. signed contracts to build the K-25 powerhouse, cascade buildings and administration area at Clinton Engineer Works.
June 1943 — Ground was broken for the powerhouse at the gaseous diffusion plant.
July 9, 1943 — A contract was signed by Ford, Bacon and Davis Inc. for construction of the conditioning area.
September 1943 — Ground was broken for the K-25 building.
April 1944 — Carbide assumed overall management of the gaseous diffusion barrier develop and production program. George T. Felbeck had primary responsibility for the program.
January 1945 — The first cascade equipment was operated with uranium hexafluoride.
Feb. 1, 1945 — Carbide took over responsibility for management of SAM Laboratories from Columbia.
March 19, 1945 — The first enriched uranium was shipped from K-25 to Y-12.
Aug. 15, 1945 — The K-25 cascade was in full operation.
December 1945 — The K-27 building was in full operation.
December 1946 — The electromagnetic separation facility at Y-12 was shut down.
December 1947 — Barrier plant and uranium hexafluoride feed plant started operation in Oak Ridge.
August 1949-January 1951 — Construction of K-29 plant at oak Ridge.
November 1949-December 1951 — Construction of K-31 plant at Oak Ridge.
December 1950 — Construction started on Paducah Gaseous Diffusion Plant.
April 1, 1951 — The first Carbide payroll at the Paducah site was established.
July 10, 1952 — Plans were announced for expansion of Oak Ridge and Paducah plants, and for construction of a new gaseous diffusion plant at Portsmouth, Ohio.
Sept. 18, 1952 — Goodyear Atomic Corp. a subsidiary of Goodyear Tire and Rubber Co., was announced as operating contractor for Portsmouth Gaseous Diffusion.
Nov. 7, 1952 — Interplant operations were started between Oak Ridge and Paducah diffusion plants.
February 1953 — The C-31 plant at Paducah was on stream.
July 1951-Oct. 1953 — Construction of C-33 plant at Paducah.
August 1952-November 1954 — Construction of K-33 plant at Oak Ridge.
August 1952-April 1954 — Construction of C-35 plant at Paducah.
Sept. 1952-Dec. 1954 — Construction of C-37 plant at Paducah.
July 1953 — Uranium Fluoride feed plant at Paducah in operation.
August 1955 — An improvement program started in Oak Ridge and Paducah plants.
August 1956 — Feed plant expansion at Paducah in operation.
Sept. 17, 1956 – First shipment of enriched uranium hexafluoride made under AEC's Civilian Applications Program.
Dec. 1956 — Initial operation of the uranium metals plant at Paducah.
November 1960 — Electronic Data Processing building housing the IBM 7090 computer was competed. Construction started in October 1959.
December 1961 — The new Development Laboratory for Chemistry and Physics departments of Technical Division was completed. Construction started November 1960.
February 1962 — Gaseous diffusion plants ship their millionth pound of uranium hexafluoride for use in the Civilian Applications Program.


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From: Anonymous
I am a licensed insurance professional and variable product salesperson. I am writing to you concerning the suitability standard and principal review requirements pertaining to the sale of variable annuities contained in NASD proposed Rule 2821. Although the latest NASD proposal includes several amendments made to earlier versions of the proposal, the proposed rule's requirements are redundant, unnecessary, will provide no meaningful additional protection to consumers and will adversely impact my business. I urge the SEC to disapprove the proposal. It is important to enforce the rules as written but those rules should not require unnecessary requirements upon agents and their clients. I firmly believe people who engage in misleading sales practices should be aggressively prosecuted and subject to appropriate sanctions. The NASD, however, has failed to adequately justify the need for the proposed rule. To the contrary, the available data does not support the NASD's claims that the level of sales problems in the variable annuity marketplace calls for the adoption of the proposed rule. Unsuitable variable annuity sales made up less than .50 percent of the NASD's disciplinary actions over the last five years, and complaints about mutual funds and individual securities far outnumber those concerning variable annuities. Furthermore, the vast majority of the comments received by the NASD and SEC regarding the proposal opposed the new rule, and the NASD has not adequately responded to the concerns raised by the vast majority of commentators. Furthermore, proposed Rule 2821 duplicates current supervision and suitability requirements that are already in place. NASD rules (including Rule 2310) already contain suitability requirements that apply to all sales of securities, including variable annuities. If regulators really want to protect consumers, appropriate enforcement of the existing suitability rule rather than adopting a new rule is the answer. In addition, the requirement for review by a principal found in the proposed rule deviates in several significant ways from the general supervision requirements found in Rule 3010. This requirement appears to present a bias against these products, and will lead to constant second guessing of my advice and recommendations (based upon less first hand information than was available to me). The NASD proposal is a solution in search of a problem that could ultimately harm consumers by making these products less available to people who could benefit from them. For these reasons, I urge the SEC to disapprove NASD proposed Rule 2821. Thank you for your consideration of my views on this matter. |


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Tennis Court Contractors are experts in the field of tennis courts colour spraying. So if you are looking to transfer a facility and enhance its surrounding area, then you have come to the right place.
For outdoor sports surfaces, tennis court colour spraying in Neath Port Talbot SA12 6 can enhance performance qualities and appearance. As specialist contractors, we can create designs and carry out works to apply slip resistance coloured paint to the porous macadam tennis court and polymeric hard court surface.
The porous macadam tennis courts surface is great in all weather as the rain will soak through the surface, allowing you to play all year round. This surface has slip resistance properties and can be colour coated with water based acrylic paint. Giving the tennis courts surfaces a professional finish.
We work nationwide in the UK with schools, colleges, sports clubs and individuals to create bespoke colour spray specifications that suit each project's requirements. The facilities we install can be designed to meet various dimensions and playing qualities for both recreational and professional use.
If you'd like to speak to Tennis Courts Contractors about the different types of paints we use and the costs for applying coloured coatings for tennis courts and other multi use games areas, please make sure you complete our enquiry form so we may get back to you with the information you need.
Colour spraying is the application process which can transform a facility and enhance its surrounding areas.
If your tennis court surface is looking old and worn, we can carry out the necessary maintenance and colour spraying to improve the area.
If you're looking at upgrading your sports surfaces, applying a colour spray may attract more people to get involved.
Get in touch with us today if you're interested in finding out more information and speak to one of our professionals.
It's important to give players the best possible experience when training and competing on your sports surfaces; we may apply LTA standard anti-slip coating with clear and accurate line-markings.
We often carry out a thorough clean and repainting process in Neath Port Talbot instead of a full sport court resurfacing project which is a lot more cost-effective for clients https://tenniscourtcontractors.co.uk/maintenance/tennis-court-resurfacing/neath-port-talbot
There are two types of paints that we use for colour coating depending on the facility's surface type; these are acrylic paint and polyurethane paint. Our installers will apply a professional TRRL slip resistance coating in a coloured design of your choice.
We supply specialist paints in various colours including purple, blue, red and green, with high quality line markings in contrasting designs for a clear game playing area.
You can choose a design which best fits any existing school or team logos to ensure a bespoke and unique finish to the tennis surface.
Over time, if not looked after with regular maintenance, existing tennis surfaces can fall into disrepair and be unsafe for players.
We are specialist contractors and can apply sports coatings to bring back the tennis facility's original playing qualities.
It's always important to complete a thorough clean of the surfacing before applying a new coloured coat. This will ensure that the coating is even and that the non-slip paint sticks properly to the porous macadam tennis courts or polymeric surfaces. We may also apply a chemical treatment to remove moss and algae and prevent further damage from flooding and contaminations on the facility.
It's vital to choose sports facility contractors with relevant professional experience and specialist accreditations to be confident that the final result is a safe and high quality tennis surface. Depending upon the specification of your facility in Neath Port Talbot SA12 6 we may apply either acrylic paint or polyurethane court paint to ensure you get the perfect finish.http://tenniscourtcontractors.co.uk/surfaces/polyurethane-coating-surfaces/neath-port-talbot.
If you're interested in finding out how to colour spray a sports facility, we would recommend having a look at the process that our contractors follow:
Clean the surfacing using a light jet wash
Remove and prevent contamination by applying moss and algae treatment.
Install a polyurethane binder coat to help stick the paint onto the surfacing better
Spray the surfacing with anti-slip colour coating
Apply line markings to the colour coated court
When completing an application of sports coatings to a tennis facility, we use an expert system with two layers of coloured paint for a longer-lasting and more durable finish. Carrying out regular maintenance and cleaning of the surface with the help of a specialist contractor will extend its life expectancy and reduce the need for repairs or resurfacing in the future - http://tenniscourtcontractors.co.uk/maintenance/tennis-court-cleaning/neath-port-talbot
Please feel free to contact us if you have any questions about prices and costs of sport surface painting for your facility. Our expert staff will be happy to assist you with designs and specifications for the colour spray, so don't hesitate to fill in our contact form with your inquiry's details.
Tennis Court Line Marking Paint in Neath Port Talbot - https://tenniscourtcontractors.co.uk/applications/tennis-court-line-marking/neath-port-talbot
Non-Slip Acrylic Painting Colour Coating in Neath Port Talbot - https://tenniscourtcontractors.co.uk/applications/tennis-court-acrylic-marking/neath-port-talbot
Polyurethane Spraying Colour Anti Slip Paint in Neath Port Talbot - https://tenniscourtcontractors.co.uk/applications/tennis-court-polyurethane-painting/neath-port-talbot
Acrylic Colour Coating Anti-Slip Paint in Neath Port Talbot - https://tenniscourtcontractors.co.uk/applications/tennis-court-colour-coating/neath-port-talbot
Tennis Court Construction Builders in Neath Port Talbot - https://tenniscourtcontractors.co.uk/applications/tennis-court-builders/neath-port-talbot
A lot of our clients require more information on the application process before placing an order. We can talk you through the steps we follow and why we carry out these steps before sending you a quotation if required.
We can also discuss the different colour options and design specifications available to you.
If you would like to speak to our staff regarding our high quality tennis court colour spray in Neath Port Talbot SA12 6 or are interested in a quotation for our services, please fill in the contact box, and we shall get back to you at the earliest convenience.
We cover Neath Port Talbot


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The appeal of Asia has seldom been stronger for corporate and investment banks. Supported by financial systems that proved resilient during the recent financial crisis, the region continues to enjoy rates of economic growth superior to those of more developed Western markets. And the prospects for new revenues for most banking businesses look enticing over the next two to three years.
As of 2009, Asia accounted for 36 percent of global corporate banking revenues and 21 percent of global capital market and investment-banking revenues. McKinsey's global research, which identified opportunities worth $200 billion to $220 billion over the next five years, suggests these proportions may be set to rise (exhibit). We estimate, for example, that 45 percent of all new growth in global wholesale banking revenues up to 2014 will take place in the region, and that emerging Asia1 will grow about three times faster than developed Asia.2
Asian wholesale banking offers a slate of opportunities.
All the major global firms have established beachheads or are evaluating multiple options for doing so. Some are opting to grow organically; for example, Morgan Stanley set up a joint venture with Mitsubishi UFJ Financial Group. Others are taking the acquisition route—Merrill Lynch, for instance, took over its local partner in India.
The big battalions see Asia as an important battleground in the struggle for global supremacy in wholesale banking. But ambitious local players, no longer content to settle for the relatively low-margin commodity-lending business, are also looking for an increased share of the more glamorous capital market and investment-banking action, with competition intensifying on all sides.
Based on our work with leading institutions, as well as our proprietary research, we believe future opportunities will most likely be captured by institutions that can:
- Position themselves as the primary bank for midcorporates that are currently underserved, notably in lending, transaction banking, and simple fixed-income, currency, and commodities products
- Develop the skills to earn fees from activities like treasury and capital markets
- Target Asian companies expanding beyond their domestic bases, initially through financing and trade-related services
- Adapt their organization to opportunities and segments rather than product and client "silos," and develop an employee "proposition" that provides more than just financial compensation
Winning the primaries
Banks in Asia invariably have dedicated units for large and very large businesses, but not always for midcorporates. Midsize customers are often served peripherally by the corporate bank, or worse still by the consumer arm. Relationship managers of corporate banks with a mixed portfolio of large and midsize clients tend in our experience to earn just 10 percent to 15 percent of their revenues from the latter.
This is a missed opportunity. Revenues from midcorporate clients across Asia could amount to as much as $185 billion by 2014, according to our estimates. But the pie is not divided evenly. There is a significant difference between the return on equity (ROE) and share of wallet of the primary bank and that of other banks serving the midcorporate segment.
Take Hong Kong, for example, where the share of wallet of the primary bank is 40 percent and ROE is 33 percent; for secondary banks, share of wallet is 20 percent and ROE is 24 percent, while for the tertiary banks that only rarely serve the client, share of wallet is 6 percent and ROE is 16 percent. The winners would appear to take most, if not all.
To move into pole position will require challengers to analyze how the client interacts with different levels of the bank's organization and possibly rebuild the relationship model; challengers must also find ways to efficiently offer nonlending products, work out how best to customize credit, and ensure that they overcome organizational friction to capture accompanying private banking opportunities.
Relationship management
Midcorporates typically rely on bank credit to finance their growth, since most are not large enough to obtain capital market financing. The relationship-cum-credit manager of the bank therefore plays a pivotal role in interactions with its midcorporate clients. However, the approach needed is quite different from, and in some ways more demanding than, that used to serve large corporates: for example, relationship managers in the midcorporate segment will most likely differentiate themselves from rivals by the amount of "touch time" they devote to customers, as well as by the ideas and solutions they can proactively bring forward to help solve client problems. That's different from the approach to serving large companies that many banks use, in which the relationship manager is often a mere gatekeeper for the product specialists.
A more appropriate credit model
Plain-vanilla credit is no longer enough to satisfy most midsize customers; banks must develop new custom products and services and get away from the all-too-common one-size-fits-all product basket. This requires balancing centralized decision making, which is essential to manage the complexity of products, with the sort of local inputs appropriate for firms that may not yet be national champions but aspire to be so. Successful banking players have developed a variety of tools and approaches, including a qualitative credit assessment to help the front line screen applications for final authorization by central committees, clear sector-based guidelines to save time and provide minimum lending standards, and innovative policies such as inviting frontline managers to join select meetings of the central credit committee.
Nonlending products
While midcorporate clients rely on bank credit for their core needs, they increasingly need other services such as capital market and treasury products. Given the low volumes, however, the bank's product specialists are often disinclined to work on nonlending propositions; if their incentive is to maximize revenue, they are naturally likely to devote their energies and time to larger clients.
There are several ways to resolve the issue: some institutions might even consider building a mid-cap-focused investment bank to meet the capital market financing needs of clients—but others can find organizational mechanisms to encourage product units to focus on this opportunity. The key is to emphasize the potential of these revenue sources rather than the immediate—and not necessarily very appealing—prize.
Don't forget the private bank
Targeting senior executives with sizable private portfolios might seem obvious, but in practice, banks often struggle to capture these synergies. Internal organizational issues include incentive conflicts among relationship managers and disputes over "named credit" allocations (for example, should the individual who arranged the corporate credit also be recognized and rewarded for any business from a senior executive in his or her individual capacity?). There are two main ways to tackle the problem: institutions should weigh the merits of a more integrated organization structure against simple referral and incentive schemes. Our experience of working with two banks that got this integrated approach right in the Association of Southeast Asian Nations (ASEAN) region was that the prize is significant—an increase of at least 4 percent to 5 percent in ROE.
Playing in the premier fees league
Across Asian markets, foreign players tend to dominate the high-ROE fee-income pools in treasury and capital markets, while local players focus more on providing low-margin credit and payments products. Throughout most of the ASEAN region, excluding Singapore, and in India, local banks claim just 10 percent to 15 percent of the available investment-banking revenues (against 85 percent to 90 percent of lending revenues).
As a consequence, the ROE of the locals' mid-corporate portfolio is just 10 percent to 15 percent, compared with the 20 percent to 30 percent that foreign players earn from their Asian wholesale banking activities. Local players should start to leverage their strong balance sheets and extensive relationships to boost their share of fee-income revenues. They can do this by instituting more systematic account planning, taking account of the skills needed for specific product markets, and improving their negotiating capabilities.
Systematic account planning
Banks that are serious about this opportunity must set targets and budgets across the banking product range—not just on lending and deposit advances. They should analyze clients' needs so as to assess their likely demand for these financial products. The process starts with a current client-product map that shows product usage by client, identifies those banks that provide each product at the moment, and indicates their respective share of the customer's wallet—the total that the customer spends on banking products and services. The second step pinpoints the key client executives responsible for product decisions and the people at the bank charged with maintaining the relationship. Next, banks take a view of the client's future needs, based on any knowledge of, say, the company's expansion plans, M&A ambitions, and operational changes—perhaps a new factory that has put pressure on working capital. The final step is to draw up an action plan and product-specific budgets for the client account, complete with clear accountabilities and timelines. In our experience, the entire process takes one to two weeks and involves analysis, client discussions, and one joint session of relationship managers and product specialists.
New capabilities for product markets
Successful local players have used a combination of internal resources and external support to build competitive positions in niches (for instance, transaction banking, derivatives, and project advisory). One leading state-owned bank in India, for example, partnered with a European bank to provide foreign-exchange derivatives solutions to clients: the local player focused on client acquisition and servicing, and the foreign bank provided a "white labeled," back-to-back product arrangement that enabled the local bank to capture a share of the derivatives wallet it could not get on its own. The foreign player was happy because it was able to sell derivatives in the Indian market, something that had not been possible earlier because it did not have the requisite client relationships.
New capabilities for selling and negotiating
Developing negotiating and selling skills is critical if a bank is to price fee products accurately and bundle them with its lending offering. The relationship managers of local players frequently bundle products for a given customer so as to capture a larger share of his or her business—but in so doing, they give up too much upside to the client. This happens for a number of reasons: an inadequate understanding of each product's ROE, an inability to understand the local market and the bank's pricing power, and a failure to use the influence of hierarchy in negotiations. Relationship managers need to understand the full economics of the overall customer relationship and leverage this knowledge to extract the best deals from the bank's perspective.
Targeting the globally ambitious
Domestic Asian companies readying themselves for international expansion represent another lucrative customer for investment banks. Our research suggests that by 2015, Asia will have up to 30 percent of the world's 100 largest companies and up to 40 percent of the world's 500 largest. The financial opportunities they offer include trade finance, foreign exchange, international capital raising, M&A, remittance flows, and foreign-country banking.
The Asian globalizers will no doubt be courted by local institutions eager to play on their domestic banking relationships and by foreign players positioned to leverage their global network. Local institutions can capture their share of the pie by carefully identifying their strategic approach and choosing the appropriate implementation and organization model.
Pick the most realistic strategy
Banks will have to decide whether to pursue a "follow the customer" strategy, targeting select countries outside of the region with bilateral trade relationships and strong cultural links, or create regional "hub and spoke" models for adjacent countries. State Bank of India's thrust into geographies where Indian entrepreneurs are expanding, Banco Santander's focus on Spain and Latin America, and Malaysia-based CIMB Group's regional model for ASEAN markets illustrate the different approaches. Banks will be influenced by their own distinctive capabilities and the risk-return profile of the chosen approach.
Define the international business model
The business model for operating in foreign countries is likely to be different from the domestic model for a range of issues: products, credit, service proposition, account coverage, financing and funding of the balance sheet, and delivery capabilities. Should there, for example, be a single lead relationship manager for each major country, or should there be multiple relationship managers? Should credit assessment be localized or centralized? Should credit pricing be based on home-country risk norms or adjusted for local-country conditions? How much emphasis should be put on building a local-country balance sheet? Or should the emphasis be on alternative structures, such as lines of credit, in addition to swaps and offshore financing?
Each of these choices involves legitimate and critical trade-offs that will reflect the bank's specific context and its stage of evolution. It might seem expedient to choose more conservative home-country risk norms, for example, but not if international market conditions drive pricing.
Identify international implications for the organization
Local players typically either move home-country talent to foreign locations or hire local personnel to manage the new foreign operations. Without relationships and networks, however, home-country talent is usually ineffective, while newly hired locals lack oversight and struggle to adapt to the organization's culture. A combination of local and foreign talent is often the best bet, enabling the bank to retain its core institutional culture.
One local ASEAN player has struck a good balance—in foreign locations, the CEO is always a home-country person, and the COO is a local hire. The rest of the staff varies, depending on the specific needs and requirements. In this way, the bank has preserved its home culture and mode of working, simultaneously ensuring that it is able to adapt to and embrace the foreign banking environment.
Adapting the organization
The new opportunities in wholesale banking will require local banks to organize themselves in some respects around opportunities and segments rather than using traditional structures. New ways of attracting and retaining talent must also be considered.
New structures
Several of the new markets are complex and cut across clients, geographies, and products. As a result, the traditional wholesale structures of product groups and client teams, used by both global banks and local players, will be inadequate to capture future revenue opportunities. More integrated structures, however, can mitigate the risks.
Several Indian power companies, for instance, buy coal from Indonesian mines using "take or pay" structures. The coal is transported to India, and the power produced is sold through fixed contracts or the trading markets. This chain generates several opportunities for financial institutions: on the Indonesian side, coal financing structures, forward rate agreements for shipping, and treasury products; on the Indian side, project financing, working-capital management, liability insurance, transaction banking, power contracts, and possibly even private-equity investment in the power plants.
Traditionally, different business units would have focused on each of these opportunities in isolation, capturing some and missing out on others. An integrated understanding of the value chain and consequent adjustments to the organization can increase share of wallet, improve pricing, and mitigate risk.
Institutions will want to evaluate several organizational options, including "virtual opportunity organizations" (a group of individuals pooled together from different parts of the bank, for example, treasury, debt servicing, and custody services, to tap a specific opportunity, such as bullion flows into Asia), a redefinition of profit and loss centers around specific opportunities (say, end-to-end commodity chains), and "thematic verticals" extending across clients, products, and geographies. One example might be an infrastructure vertical, organized around offerings in debt finance, equity funds management, and fund-raising.
Changing opportunities also call for changes in the talent-management model. The existing model at most banks, focused primarily on compensation, is insufficient for the new competitive environment. Many of the new opportunities are long term in nature, and shrewd institutions are starting to realize that an exclusive P&L focus that ignores franchise building is shortsighted.
The compensation philosophy in wholesale banking has shifted from an "eat what you kill" approach to a system based on the team and the institution. Bonuses linked to annual performance are giving way to a long-term wealth-creation philosophy.
Institutions building new franchises must also balance recruiting and developing local talent with the former approach of hiring laterally, including experienced international bankers.
Finally, senior management must devote time to mentoring next-generation leaders and creating personal career-development plans that include international exposure, cross-product rotation, and an improved understanding of compliance.
Competition will intensify in Asian wholesale banking as global and local players alike seek to raise their game in the coming era of high stakes and lucrative opportunities. Several revenue pools of more than $100 billion are up for grabs; the winners will be those that position themselves as a primary bank for midcorporates, develop new capital market skills, successfully target Asian companies expanding beyond their domestic base, and adapt more flexible organizational structures.


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In Illinois, you can face a prison term of one to three years if you use a weapon unlawfully. But you might serve only half that time, or you could get probation or even boot camp.
Chicago alone saw more than 500 murders last year, most by gunfire. Mayor Rahm Emanuel says the current law is not what's needed to fight gun violence in the city.
"In fact, I would like to ... note that the same minimum penalty we have for a gun law is what we have for shoplifting," Emanuel has said.
A bill backed by the mayor would raise the sentence for unlawful use of a firearm to a three-year mandatory minimum, and require anyone found guilty to serve 85 percent of that time. It's a proposal that Cleopatra Pendleton supports.
"In my community, carrying an illegal gun is not a big deal, but it needs to be a big deal," Pendleton says.
The death of her 15-year-old daughter, Hadiya, made national headlines when she was killed in a park not far from President Obama's Chicago home shortly after her high school band performed in inaugural festivities. Pendleton says when she learned the man charged with her daughter's murder had served time for another gun crime, it felt like salt being poured in a wound.
"I wonder if a larger, mandatory minimum had been in place, if the person who allegedly shot and killed my daughter would have been in jail and Hadiya would still be alive," she says.
Chicago Police Superintendent Garry McCarthy says there are at least 108 examples of shootings or murders in 2013 alone that would not have occurred if this bill was already in law.
The University of Chicago Crime Lab analyzed the bill. It says people on parole arrested for illegally carrying a firearm are four times more likely than other convicted felons on parole to be arrested for murder, and nine times more likely for a nonlethal shooting. The Crime Lab also says a growing body of research suggests the threat of swift sanctions can deter crime and therefore could hold true for gun violence.
Not everyone buys that analysis. John Maki, the head of the nonpartisan John Howard Association, a prison watchdog group, says it is the same old story.
"This is how the United States has gone from a prison population of around 250,000 people in the early 1970s to about 2.3 million right now," Maki says. "It's always on the back of these really horrible tragedies."
Maki says he thinks people and legislators feel that they have to do something, so prison is held out as some magical solution to the problem.
The Illinois Department of Corrections also has a warning. It says the cost of the proposal would be $1 billion over 10 years, with nearly 4,000 inmates added to a prison system already bursting at the seams. But the University of Chicago crime lab says the deterrent effect of the sentencing proposal could actually mean substantially less cost with fewer people going to prison.
Daniel Nagin, a criminologist at Carnegie Mellon University, thinks otherwise. He says people often engaged in gun crimes are not thinking about the length of a prison sentence as they act in the heat of the moment. The real deterrent, he says, is the certainty of getting caught, which has a lot to do with a much more tangible and visible police presence.
"Nothing can be done to bring back the people who have died because of gun violence," Nagin says. "What needs to be done is to look to the future to try to identify the most effective and proven strategies which might reduce their numbers. It's clear that the evidence suggest there are alternatives that are better [and] that will be more effective in that regard than mandatory minimums."
As sponsors of the legislation push for a vote, negotiations with gun rights advocates like the NRA continue. They argue that under the proposed legislation, law-abiding citizens who make one mistake could face prison time.
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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Sharon Lee Giganti, a former Miss San Diego County and runner-up to Miss California, left Hollywood at the height of her success (guest-starring in over 20 top television shows and co-starring in several films) to pursue a "Higher Purpose". Believing that she had found the true way to serve God through a channeled spirit named, Abraham and the New Age "bible" known as, A Course in Miracles, she had intended to teach "a new and more enlightened way to be loving" with these popular Law of Attraction and New Thought philosophies.
But by 1999, disillusioned with the devastation these teachings so often produced, she realized they were deceptive and lacked the real presence of Jesus Christ. Thankfully, Sharon's diligent search for Truth began to lead her home; to authentic Christianity, and when tragedy struck her family in the year 2000– she walked away from the world of "New Thought" for good.
During a time of incredible loss, (the murder of her infant nephew and subsequent life sentencing of her brother, the suicide of one of her New Thought students, and the mental collapse of another; resulting in her being committed to a psychiatric ward) Sharon says she saw clearly, as if for the first time, the very real consequences of sin and the true teachings of the Bible playing out right before her eyes amid the tragic events surrounding her. With courageous honesty, she reveals how her "New Age" influence may have unwittingly played a part in these tragedies – and how God's Saving Word brought her out of that spiritual darkness and into the Light of Truth!
In 2003, as a frequent guest on live radio with such well respected hosts as Jeff Cavins and Teresa Tomeo, Sharon began warning others of the dangers of counter-Christian secular influence and false New Age doctrine – the very same ideologies that are now being heavily promoted by Oprah Winfrey, in teachings such as: A Course in Miracles, The Secret, the "Law of Attraction" philosophy of "Abraham-Hicks", and Author, Eckhart Tolle's A New Earth. Sharon has also been a guest speaker for many Church organizations and gatherings, including three chapters of the international "Magnificat" ministry for Catholic Women.
Now a certified Catholic catechist, a novice with the Holy Family Institute, and a regular guest on Catholic Answers Live Radio, Sharon's powerful message is currently heard world-wide via their global broadcast through EWTN. Using stories drawn from her own personal experiences, and those of her former students, (she was a dedicated Course in Miracles devotee, and became known as an "Abraham Ambassador" teaching "Law of Attraction" workshops) Sharon gives an eye-witness account of the devastation that often follows when the New Thought Movement's most poisonous principles are applied in every day life.
In 2008, Catholic Answers recorded her 3 hour interview with renowned apologist, Jimmy Akin, entitled, "Oprah: Televangelist of New Age Deception" to help spread the word.
Her message is very timely as these infectious ideologies are spreading rapidly and contaminating much of our culture's worldview. Sharon warns that, if they are not countered, corruption and misery on a massive scale will surely follow.
With her testimony, Sharon seeks to avert this tragedy while offering the only sure remedy; knowledge of the One, True God, His real Son, Jesus Christ, and the authentic revelation of His Word.
Sharon says, "When people ask me how I managed to recover from "The Devil's Influence-za" I tell them, "The only antidote was GOD'S TRUTH SERUM – I re-learned what our culture couldn't tell me and the New Age didn't know: the Saving Truths of our Catholic Faith!"