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Inside the Citi Bailout
Guess what? Citi isn't just raising their credit card interest rates. They're also cashing in on a substantial bailout. For those that are curious, I just ran across an interesting article that answers some questions about the bailout. Here's a synopsis…
1. What is Citi getting?
Specifically, the government will back a $306 billion pool of troubled loans and securities… After Citi absorbs the first $29 billion in losses on these securities, the government… will step in and bear 90% of any further losses. In return, the government gets up to $7 billion in preferred Citi stock and the right to buy more shares at $10.61… On top of that, $20 billion from the Treasury's Troubled Asset Relief Program (TARP) will be injected into the company in exchange for preferred shares that come with an 8% dividend.
Yikes. That leaves the government on the hook for roughly $249 billion in troubled loans. In return, they're getting $7 billion in preferred stock and the right to buy more shares at nearly double the current market value.
2. Didn't the government already rescue Citigroup?
On Oct. 13, [the] Treasury told Citi and eight other large banks that it would be buying billions of dollars worth of stock in their institutions… Citi got $25 billion in exchange for preferred shares on which it is to pay 5% interest for five years and then 9%.
But last week, events took a turn for the worse. Negative reports on consumer default rates and troubling statistics on commercial loans unnerved investors… On Nov. 18, the company announced that it would be laying off about 50,000 of its employees, or 20% of its global workforce…
Citi stock plummeted, dropping 60% over the course of the week… Bankruptcy rumors circulated, and fears grew that people doing business with Citi — including its retail banking customers — would pull their money. At that point, regulators felt they had no other option but to step in.
Okay, we've saved them twice now. Is that enough to get them over the hump? This is actually the subject of question #4, below.
3. Why save Citi when other banks are going under?
Citigroup, with $160 billion in revenue last year, more than 300,000 employees and tendrils in every corner of finance, both domestically and abroad, is the poster child for an institution that is allegedly "too big to fail." A much smaller financial institution, Lehman Brothers, was allowed to go down — and shock waves hit corners of the financial world, like money-market mutual funds, that no one had anticipated. The fear is not only of pain inflicted but also of unpredictability.
Citi is not the first bank to hit the wall. When Washington Mutual, which had a balance sheet less than a third the size of Citi's, went down, the FDIC immediately flipped the company to JPMorgan Chase. But marrying off Citi was not a viable option. "There isn't anyone to hand Citi to," says Roy Smith, a professor of finance at New York University's Stern School. "This is the King Kong of banks."
Hmmm… Seems like that "too big to fail" moniker is kinda dangerous. Going forward, it seems like companies that fall into this category will be all the more willing to take risks, as we now know that the government will step in and protect them. Privatize the profits and socialize the losses, right?
4. What are the chances we'll have to save Citi yet again?
There are still plenty of questions about Citi's long-term health. The government's rescue addresses $306 billion worth of troubled assets from Citi's $2 trillion balance sheet. The bank, though, has roughly another trillion dollars in assets that aren't on its balance sheet but kept in entities somewhat removed from the company. These assets could be problematic if the economy grows worse… Put simply, there's room for more to go wrong.
Lovely. So this be just the tip of the proverbial iceberg.
5. Does this rescue mean Citi's stock is a buy?
With the government injecting a total of $27 billion into Citi and getting warrants to buy more shares, existing shareholders will be diluted… On the upside, the government's involvement has already sent the stock on a mini tear, to $5.95 at Friday's close, up from last week's low of $3.77…
One other immediate effect: common stockholders can say goodbye to their dividend, which was 16 cents last quarter… [T]he deal prohibits Citi from paying dividends of more than a penny per share for three years without [government] approval…
So there you have it. Everything you wanted to know about the Citi bailout, but were afraid to ask.
Source: Time.com
Comments (scroll down to add your own):
Thats just great…Billions of our taxpayer dollars to bail out Citi and they just raised my rates..I thanked them by going to Capitol One..Comment by Gerard — Jan 16th 2009 @ 1:04 pm
Here's an interesting tidbit. Citibank hourly employees (customer service, collections, phone reps, etc) were notified that they would not be receiving their annual raises or bonuses this year. This is understandable since they are doing so bad. The managers & bigwigs are also not receiving annual raises, HOWEVER they will still be receiving their bonuses. I know as a phone rep my annual bonus would have been approximately $500.00,and I am pretty sure that is not the going bonus for the big-wigs. Seems funny that the people who are "leading" Citi into another multi-billion dollar quarterly loss are still getting their bonuses for a job well done. Wonder which bailout provided these bonuses.Comment by Citi Employee JJ — Mar 6th 2009 @ 10:05 am
Citi needs to be made to help the people that have maintained their accounts in good standing. Instead, they have raised the interest rate up so high that you can't even pay the interest much less the principle. My husband has been lated off from a job he had for more than 20 years. Our income has been cut 72%. I have contacted every department head that will speak to you on the phone and they refused to help us after our elected official bailed them out of their dept…Where do you go from concerning our financial problem when you can afford to get a debt concealer because they require you to put the money into an account monthly until an agreement is made between them and Citi. We are unable to borrow our way out because of my husbands unemployment and if we could how would we pay it back. I have begged for the client resolution department to help just until he gets another job. I am on my Disability and what I draw can't keep food on our table. My income dropped $1200.00 when I became disable….Do we just throw 28 years of hard work to the Credit card company's like Citi that could care less about any tax payer or do we kill ourselves so our spouse can give them what little we have left off of our life insurance from our burial policy. ALL PEOPLE LIKE OURSELVES THAT HAVE PAID OUR BILLS AND NEVER WROTE A BAD CHECK GO DOWN THE DRAIN AND LIVE OFF THE STREET. WELCOME TO THE MIDDLE CLASS LIFE….I HOPE CITI GOES COMPLETELY UNDER AND IF ANY OF THE ELECTED OFFICIAL HELP THEM OUT THEY WILL LOSE THEIR NEXT ELECTIONComment by Bonnie Headley — Apr 12th 2010 @ 6:03 pm
?היי יש לי לקוחות חדשים בשבילך יכל לעניין אותךComment by GALbodia — May 24th 2019 @ 8:38 pm


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More and more people are maximizing their profits by incorporating cloud system into their lives. If you have decided to make this shift, there are a few factors that you need to consider.
Time is one of the reasons why people switch to cloud computing. Discuss all the issues with the IT head and come up with a plan that facilitates the use of cloud computing.
Disaster Recovery
It is important to have a strategy in case of disaster recovery. One of the best ways to go about is to get in touch with the IT team and raise the following concerns:
- What is our team supposed to do if the cloud system faces a downtime?
- How will the team manage when it come to disaster recovery?
In order to make sure that there are no problems, it is important that all your clients' and managers have access to the company's files and data. Other than this, you need to know what counts as an outage and when you should be applying the fiscal penalties.
Cloud systems are available at extremely low prices, but some of the providers offer limited customization options. In order to get access to a number of expensive packages, you might need to purchase an expensive package. You need to assess your needs with your team and find out about the kind of customization that your business requires.
Make sure that you set a limit when it comes to security issues, errors from the vendor, and power outages. Your transition to cloud computing system needs to be smooth, so keep a check on the cloud services that are being offered to you.
Before you move to cloud you need to do the following things:
- Focus on cloud strategy
- Work on components like technology, storage, cost of entire feature, and how scalable the application will be.
- See if your existing software and cloud is compatible because that will ensure that the transitions happen smoothly.
Data Location
You need to know where all your data will be. Pick a place for the data that won't be contractually bound. The reason why this is recommended is that once you will lose the data, you will not have any chances of recovering it. Pick a station that will help you to move quickly and will give you a chance to track your progress.
Privacy and Security
Privacy and security are one of the most important concerns of people who are making the transition. In order to be absolutely sure, you need to choose a verified cloud service provider. A verified provider will make sure that you can control your intellectual property to someone whom you can rely on. Take your companies security concerns into account before making the change, in order to be absolutely sure that your company's data is safe.
For more information on how Percento can help your organization achieve success in the Cloud, visit HERE or call 800.614.7886

subset: commoncrawl


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Where did we go in 2016? Mostly Southeast Asia. And then Switzerland and France, with a little Spain and England thrown in. And we had plenty of adventures along the way, from kayaking on the UNESCO World Heritage site of Halong Bay to visiting an orphanage in Vung Tau to taking surf lessons in Bali!!
Mountain Biking Moab: Can Reality Fill the Dream?
I have long dreamed of visiting Moab, Utah, ever since I saw an article on mountain biking there in Outside magazine over 15 years ago. I would glare at the images of bikers negotiating huge slickrocks and confidently riding the tops of 50-foot arches.
Grand Canyon: Daring to Hike the Big One
Throughout Grand Canyon National Park, messages strictly warn against hiking from the canyon's rim down to the Colorado River and back in a single day. They all scream: Don't Do It!
The Winter Wonderland of Vallée de Joux
What I love about Switzerland in winter is its easy access to an array of winter sports. No matter where you are, within a relatively short drive up a mountain, you can find a regional playground that hosts all the cross-country-skiing, snowshoeing, sledding and even downhill skiing you can handle.
Elephant Camp in Chiang Mai, Thailand
Want to ride your own elephant… and feed it and bathe it in the river and have it go for romp with you in the jungle? That's what our son got to do at this Mahout.


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Wilson, who began the day with a one-shot lead, carded a closing 71 at Doha Golf Club for a share of second place.LINK
Oliver Wilson will take a one shot lead into the final round of the Commercial Bank Qatar Masters as he seeks the second great comeback of his European Tour career.LINK
#45 - Oliver Wilson - Don't Fight The Human Experience Live It.LINK
Keep up to date with all the latest news and follow Oli's progress in training and on tour.BLOG
Oliver Wilson can look forward to making a sixth Open appearance next year after booking one of the three places on offer at the South African Open having finished in a tie for third place.LINK
Oliver Wilson claimed his second European Challenge Tour title of the season, winning the Monaghan Irish Challenge by two shots at Concra Wood GC.LINK
Oliver Wilson overcame Joachim B. Hansen in a dramatic two-hole play-off to win the Swedish Challenge hosted by Robert Karlsson after the pair were tied on 13 under par after 72 holes at Katrineholms Golfklubb.LINK
From beating Phil Mickelson in the Ryder Cup to limping around the Challenge Tour missing cuts, Oliver Wilson's journey from Valhalla to Carnoustie has been an arduous one.LINK
From Ryder Cup team to World No. 1998.LINK
Former Ryder Cup player Oli Wilson is back with us, this time from inside the ropes as he prepares for the Open at Carnoustie, the toughest of Championship venues.LINK
Keep up to date with all the latest news and follow Oli's progress in training and on tour.BLOG
If Oliver Wilson hadn't won the 2014 Alfred Dunhill Links Championship on the back of an invite, there's a chance he wouldn't be playing professional golf today.LINK
Having spent the past 3 weeks in the US working on my game (apart from a few days in Mexico with my American family) I'm excited to get my 2017 season going this week in Perth.BLOG
The winter off season is going great for me, it's been fun getting out and trying some new things, spending time with friends and family but most of all escaping from golf for 6 weeks.BLOG
National Club Golfer speak to European Tour star Oliver Wilson.
Oliver Wilson is hoping to take inspiration from the home crowds during the British Masters at The Grove this weekend.LINK
Half of Darren Clarke's team are playing for the first time - so Betfair met Oliver Wilson to ask what it's like to be a rookie in the Ryder Cup.LINK
Oliver Wilson looks back to being a Ryder Cup rookie at Valhalla in 2008 and offers some advice to this year's first-timers.LINK
It's nice to have the season mapped out at an early stage, but you have to be prepared to switch things around to take advantage of a good run of form.LINK
Oliver Wilson hopes a return to Scotland can help provide the inspiration to start climbing the leaderboards again.LINK
People talk about the 36-hole cut a lot, and obviously it is important for a tour pro. But if you're playing well, it doesn't really exist.LINK
Golf Monthly is delighted to announce that 2014 Dunhill Links champion & 2008 Ryder Cupper, Oliver Wilson, will be writing a regular magazine column in 2016.LINK
So I'm currently in South Africa for the start of the 2016 season. I'm excited but unsure of what's around the corner other than one of the most majestic places on Earth, Leopard Creek.BLOG
Oliver Wilson dropped in to the Game Changers studio to talk about his experiences on the European Tour and the Ryder Cup before taking on the Mega Putt Challenge.LINK
During the Callaway Kings of Distance day at The London Club, Oliver taught a group of amateurs a simple chipping technique to help them get up-and-down more often.
Oliver explains the keys to his fairway bunker technique and offers some simple lessons to make your action more consistent.
Oliver Wilson talks about his hopes for 2015.
Anna Whiteley walks the course with 2014 comeback king, Oliver Wilson, at this year's Commercial Bank Qatar Masters.
Oliver speaks about how he believes more youngsters can be encouraged to take up the game.
A glittering collection of the world's greatest sports stars have been nominated for the 2015 Laureus World Sports Awards, following a ballot by the world's media.LINK


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I was scrolling my Facebook feed the other day and saw this adorable method to baking cupcakes inside a hallowed out eggshell. I couldn't help but think how perfect this would be for Easter; however all of the research I did on these just piped a little frosting on the top of the egg and called it good. Not my idea of the perfect dessert tablescape. I thought it would be adorable to dip each egg in white chocolate; but I knew that would be entirely too sweet so I thought about making something tart to fill the eggs. Y'all, I had a complete Martha Stewart "Aha" moment. (Yes I know Oprah coined the phrase but I guarantee Martha Stewart has these Aha moments in her kitchen too!) Lemon curd filling completed this amazing dessert and I couldn't be happier with how beautiful it turned out, it actually looked like an egg when I opened it up!
For the Cake Eggs:
- 12 Large Eggs
- 1 Box prepared favorite cake mix, or favorite cake batter
- Cooking Spray
- 12 Ounces White Chocolate
- Sprinkles and decorations of your Choice
For the Lemon Curd:
- Zest of 1-2 Lemons
- 1 Egg
- 1/3 Cup Sugar
- 3 Tablespoons Melted Butter
- 1/3 Cup Fresh Lemon Juice
For the Cake Eggs:
Step 1: Let your eggs come to room temperature. Take a cork screw and gently poke a hole in the top of the egg (the smallest point on the egg). Using a circular motion hollow out a hole the size of a dime. Tip your egg upside down and let the yolk and egg white drain. You may have to use the cork screw to break up the yolk.
Step 2: Rinse your eggs thoroughly with warm water. Soak in warm salt water for 30 minutes. Let the eggs air dry for about an hour. I found it easiest to place the eggs upside down in the egg crate and let the excess water drain.
Step 3: Make a little nest of aluminum foil in each cupcake tin, this will hold each egg upright to make sure it bakes properly.
Step 4: Using a generous amount of cooking spray, spray the inside of the eggs and the top of the eggs.
Step 5: I used a box cake mix and mixed it according to the directions on the box. Use a piping bag and pipe the cake mix into each egg until it is about ¾ full. If you overfill the eggs, the excess will bake out of the top, and it's not a big deal as you can just shave it off with a paring knife.
Step 6: Bake at 350 degrees for about 20 minutes, check the cake by poking a toothpick in the egg and if it comes out clean, it is finished baking.
Step 7: Allow the eggs to cool for about 15 minutes, just when they are cool enough to handle, I found that the warmer the better. Peel your eggs like you would if you were peeling hard-boiled eggs. Set aside the cake-eggs
For the Lemon Curd:
Step 1: Using a micro plane, zest 1-2 lemons, depending on how strong you want your lemon flavor.
Step 2: Add sugar, melted butter, egg and fresh squeezed lemon juice (about 2 lemons depending on the size and how much juice they produce.)
Step 3: Whisk your ingredients together until nice and frothy.
Step 4: Microwave for 1 minute increments, stirring after each 60 seconds interval. Repeat 5 times. Cover with plastic wrap and let chill in freezer for 15 minutes or one hour in your refrigerator.
Note: If you prefer to stay away from microwaves you can always whisk ingredients together in a medium saucepan over a medium-medium high heat until it begins to boil, reduce the heat then stir until it begins to thicken, then allow to cool.
Assembling the eggs:
Step 1: Using a meat injector (you could also pipe into the cake as well, but I didn't want to create a very large hole in the top of the cake) inject about 1 teaspoon of the lemon curd filling into the center of the egg. Be careful not to overfill, as it will be difficult to cover with white chocolate.
Step 2: In the same cupcake tins, take the foil nests and make into a little ball, you may have to add a little extra foil, then take a toothpick and push into the foil. After doing this I would also recommend adding a square of wax paper or parchment paper over the top of the toothpick to keep the chocolate from sticking to the foil. I had a little difficulty picking the foil off of the bottom.
Step 3: Melt white chocolate in a double boiler, or in the microwave (being careful not to burn your chocolate). Use a large slotted spoon and dip each egg in the melted white chocolate. Set the egg on each toothpick, then spoon over a little extra white chocolate to make sure your eggs look smooth. The excess white chocolate will drip down.
Step 4: Decorate with sprinkles; I was happily surprised at these adorable sugar bows I found in the Easter section of my grocery store. Let the eggs set up, about 15-30 minutes depending on how cool your room is. Serve in these adorable Scolloped Treat Container Set from Pottery Barn Kids!
Shop the Shoot: Glitter Happy Easter Banner
Photography by Kara Smith at Cloverleaf Photography
Check out more of this recipe on Pottery Barn Kids Building Blocks Blog!
How did your Cakelets turn out? Share your photos with us on Instagram!


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Requests should be made as early as possible, no later than four weeks before the material is needed. Production and digitization processes can take a significant amount of time, including a review of compliance with copyright and accessibility policies, and coordination with on and off campus service providers. Late requests will be processed on a "best effort" basis.
To request digital materials for instruction, please provide the following information in the help request form:
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[ Allen Ginsberg - photo by Michele Corleone]
If the event of Allen's pubic hair was the big story this week ("Daniel Radcliffe told not to trim his pubic hair for latest Allen Ginsberg role") that would say much about movie-making and fatuousness. It was the big story (but a few other things, mercifully, happened). Philip Glass celebrated his 75th birthday (and premiered at Carnegie Hall, to an enraptured response, his 9th Symphony), William Burroughs' second collection of letters, "Rub Out The Words: The Letters of William S Burroughs 1959-1974" (edited by Bill Morgan) made an early appearance (official pub. date is Tuesday), Neal Cassady got a belated diploma (the third annual "Neal Cassady birthday bash" is on tonight). Meanwhile, OTR (On The Road) news - Rick Dale over at The Daily Beat has just published an interview with Al Hinkle, 85-year-old Al Hinkle, the Ed Dunkel of "On The Road", (that'd be Danny Morgan, playing him as a young man in the upcoming movie version). Countdown to Cannes. "Buzz" about the film remains strong. Everyone's pretty excited.
Michele Corleone got in touch with us and reminded us about his remarkable photos - his remarkable "Beat Generation portfolio". That's Allen in 1996 setting off the "Round-Up" this week. Other images of Ferlinghetti, McClure, Sanders, Marty Matz (sic), John Giorno, Judith Malina, Diane di Prima and Anne Waldman.
Diane DiPrima, incidentally, is recovering from oral surgery (that took place this past Monday) - "All manner of light, good thoughts, vibes, rituals, get-well notes, prayers, wish-paths, aspirations, mantras, lit candles of any persuasion, mailed by postal service or sent or projected on the physical, cyber, astral, or other planes - the Hindu, Zen, or Tibetan Mind-Realms, and blessings from unknown depths of space, will be gratefully received", she sweetly reminds us.
We began with Daniel Radcliffe, so let's close with Daniel Radcliffe. Here's his early thoughts on the Ginsberg role (from a recently-conducted interview, with Ben Moore, for Screenrant):
"What's been wonderful so far is doing all the research. I've been looking into his (Ginsberg's) childhood and his life and I'm reading the journals at the moment. I'm about to read the biography [Barry Miles? Michael Schumacher? Ed Sanders? Bill Morgan, we wonder]. It's fantastic. He's obviously an extremely interesting character... What's interesting about him - the more I learn about him in his life, he was more or less the most placatory person you could ever have met. He was all about trying to keep peace and keep any situation calm. His mother had a deep personality disorder, so he was at home a lot of times as a kid just watching - just trying to make sure everything was ok...Which is why it's intriguing that he was so confrontational in his poetry. It was like that side could never come out in any kind of actual social interaction. I'm mainly (looking forward to) working with the director. It's his first film. He's a young guy called John Krokidas. I think he's going to make a fantastic, fantastic movie. He's co-written it as well. He's just really super-smart."


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Moss Balls
DIY Moss Balls for cheap!!!
These little gems are super easy and very inexpensive!! They add just the right touch to any area that's a little blah! So my genius friend Micha taught me this little trick! Ready...you'll be kicking yourself for spending so much on those dang styrofoam balls!!!
Packing Tape
Hot Glue Gun
Hot Glue Gun Sticks
I got my moss from Hobby Lobby and I used two bags on 5 balls that are various sizes.
Take your newspaper and form a ball. Keep adding newspaper until you've got it to the size you want.
Next you'll wrap it with packing tape.
Start putting hot glue all over the ball and pushing the moss into the ball/glue. Work like this until the ball is covered! So so easy! You can spray the balls with rust-oleum spray to minimize the moss flaking, but I did not do this step.
Now get to work!!
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Welcome to Clover
Lane!! We are Cassie & Sadie and this is
our fun little creative outlet. We are sisters and we seriously live to eat, and love to
laugh and craft! We
are so glad you have joined us!
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June 2019
Western Realty--Our real estate agents are the top in their field and are committed to our Buyers and Sellers. We cover real estate in Southeastern Idaho including Blackfoot Real Estate, Idaho Falls Real Estate, Pocatello Real Estate, Driggs Real Estate, and specialize in residential, commercial, and investment properties.


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Inflation took an unexpected turn for the worse, while retail sales slumped again in September, complicating the Federal Reserve's interest rate policy in the coming months.
The Producer Price Index, which measures inflation at the wholesale level, fell 0.4 in September, after a 0.9 percent decline in August. Wall Street economists were expecting a decline of 0.4 percent.
More importantly, though, on a core level, minus food and energy, the PPI came in at 0.4, higher than the 0.2 percent consensus forecast of economists. That means a 4.0 percent annual rate. The core rate rose 0.2 percent in August.
Retail sales were dreadful.
Sales fell 1.2 percent in September, much worse than the 0.7 percent consensus, while estimates for previous months were revised down. August's decline was put at 0.4%, vs. the original 0.3%. July's decline went from 0.5 percent to 0.6 percent.
Excluding autos, sales were down 0.6 percent in September, with economists expecting a decline 0.2 percent. August's original 0.7 percent decline was revised down to a 0.9 percent one. July's initial 0.3 gain was reduced to a 0.1 percent gain.
Second Thoughts About Inflation
The improving inflation picture in recent months—driven by a sharp decline in crude oil and other commodities—is among the reasons the Federal Reserve was able to cut interest rates last week for the first time since April. The Fed is widely expected to cut its federal funds rate —now at 1.50 percent—again at its policy meeting at the end of the month, but the latest data may give it pause.
The surprise in the core PPI is "not good news but it is not going stand in the way of any easings in policy," says economist Robert Brusca of FAO Economics.
At the same time, high energy prices have been depressing auto sales for much of the year, discouraging consumers from making new commitments.
Elsewhere on the economic front, the New York State Empire manufacturing index posted it slowest reading in history.
With the economic slowdown taking a turn for the worse in recent months, economists have been forecasting a quarterly decline in consumer spending for the first time in almost 20 years. Many economists now say the economy actually contracted in the third quarter. The first reading on quartely gross domestic product is out Oct. 30.
Spending may slow even more amid rising unemployment and declining consumer confidence, particular as the financial crisis seeps deeper into the broader economy. The outlook for the holiday shopping season is the worst in five years.
They'll be more on the inflation front Thursday, when the government reports consumer price data for September. The next snapshot of the consumer comes Oct. 28, when the Conference Board releases its monthly consumer confidence index.
"I think the consumer has actually finally hit the wall and we're going to see it as we get near Christmas," says Art Cashin, director of floor operations at UBS Financial.


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Tyler Shields photography
Tyler Shields is US based provocative photograph. He got his start directing music videos then began photography. Tyler is known for his work with Video portraits and his photography work in the art and celebrity form. He is currently working on his new book The Dirty Side of Glamor.


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Keeping abreast of conversion optimization trends and technologies can be tiring. Even more so when the terms/keywords used by conversion experts are going over your head.
This post aims to help you by bringing all popular CRO terms — basic as well as advanced — at one place.
To make the list comprehensive, the terms have been compiled from a wide range of conversion optimization disciplines such as A/B testing, Website Design, Online Ads, SEO, and more.
(Note: The following terms have been defined in context of CRO)
You can click one of the letters below to directly reach the letter you want.
A/B TESTING (SPLIT TESTING): It is an experiment where two versions of a web page are compared to see which one produces more conversions.
Here is a complete guide that tells you all about 'Why to A/B test?' and 'What to A/B test?'
ABOVE THE FOLD: It is the portion of a web page that is visible without scrolling.
It is advisable to display a website's offering and differentiators above the fold.
Related Post: This is how a website leveraged above-the-fold space to boost customer engagement.
AFFILIATE: It is a website that promotes another company's products or services on its space, and earns commission from it.
This practice is known as Affiliate Marketing.
ALT TEXT: It is an HTML tag, where description of an image (or any other multimedia) can be inserted.
For instance, when a visitor chooses 'don't display images' for a website, the alt-text of an image is shown in place of the image.
ANCHOR TEXT: It is the clickable text on a hyperlink.
Best practices for SEO advise that anchor text should be closely related to the web page it links to.
AUTHORITY SITE: The websites that search engines consider to be of high-quality, are called authority sites.
AOV: It is an acronym for Average Order Value. As the name suggests, it is the average value (typically in dollars) of all orders processed by an eCommerce store.
BACKLINK: It is also known as an inbound link. Suppose website A contains a hyperlink that directs to website B. For website B, that hyperlink is a backlink.
A website having backlinks from authority sites will rank better in search engine results.
BANNERS: They are rectangular segments (of various dimensions) on a website that are generally used to display ads.
These are some of the typical banner sizes used across the web:
BANNER BLINDNESS: It is a phenomenon where website visitors consciously or subconsciously ignore banner ads or any other banner-like graphic on a website.
BASELINE: Baseline conversion rate is the existing conversion rate of a website, which an A/B test attempts to improve.
BAYESIAN: Bayesian is a probability concept which interprets probability as a degree of belief.
In A/B testing, bayesian probability offers an absolute level of a test result's validity.
BEHAVIORAL TARGETING: It is an advertising strategy where websites present their visitors with ads that are specifically related to their interests and preferences.
Websites do this by tracking a visitor's shopping and browsing history.
BELOW THE FOLD: It is the portion of a website that is not above the fold.
BOUNCE: When a visitor arrives on a website and leaves without viewing other pages on the website, it is called a bounce.
BOUNCE RATE: It is the percentage of visitors that end up bouncing from a website.
It is often used as a measure to check a website's effectiveness.
A website's higher bounce rate reflects its lack of ability to engage visitors.
BREADCRUMB NAVIGATION: It is a set of navigation links on a web page that tells the exact location of the web page in a website.
This is how Flipkart, an eCommerce store, uses breadcrumb navigation on its website.
CALL TO ACTION (CTA): A Call to Action is an instruction given to website visitors that provokes an immediate response.
Any action that a website wants its visitors to perform is carried out using a CTA button.
And hence, it is one of the hottest website elements that is A/B tested.
Related Post: Read this interesting case study about an A/B test involving CTA variations.
CANONICAL URL: If there are multiple URLs through which a web page can be reached (like https://example.com/ and http://www.example.com/index.html), search engine picks up the preferred URL defined by the webmaster.
This preferred URL is know as a canonical URL.
Want to read more on it? You can start with this fine article on canonicalization from Moz.
CART ABANDONMENT: Cart abandonment occurs when eCommerce website visitors initiate the purchase process of a product but don't buy it at the end.
It is one of the biggest pain areas for eCommerce players.
However, cart abandonment can be alleviated using certain onsite practices.
One of those practices is 'Website Checkout Optimization'. This infographic illustrates how to do it.
CHURN RATE (ATTRITION RATE): It is the percentage of customers of a service that discontinue to use the service in a specific interval of time.
A high churn rate often indicates that a company's services are not satisfactory.
CLICKBAIT: It refers to the sensationalized low-quality content on the internet, whose main purpose is to attract visitors and generate revenue from ad clicks.
Below is an example of clickbait content.
CLICK TO CALL: It is a CTA button on a mobile website/application that allows visitors to directly call a phone number.
CLICKMAP: Clickmap shows the number of clicks for each link on a website.
CLICKSTREAM: It is the list of links that a visitor clicked on, during their stay on a website.
Clickstream is used to determine the interests and site preferences of a visitor.
CLICKTHROUGH RATE (CTR): It is the percentage of clicks on a button or a link, out of the total number of visitors who saw it.
CTR is used to determine the success rate of a campaign or a web page.
CLICKTHROUGH PAGE: It is a web page that is placed before a website's main action-page (like a shopping cart page for an eCommerce website).
Its purpose is to prepare visitors for a conversion on the next page.
CLOAKING: Content cloaking is the act of showing different content to search engine bots and actual human visitors.
CONFIDENCE LEVEL: It is the probability that a variation in an A/B test won not because of chance.
CONFIDENCE INTERVAL: The range in which the result of an A/B test lies is known as confidence level.
CONTENT MANAGEMENT SYSTEM: It is a web-based application that allows people to easily (without any coding involved) add/update text and multimedia content on a website.
CONTENT MARKETING: It's the practice of creating and popularizing text and multimedia content for a business to attract and retain customers.
CONTROL PAGE: It is the website's existing page that is pitted against its variation(s) in an A/B test.
CONVERSION: It is the action that marketers want a website visitor to take.
Newsletter signups, account registrations, and product enquiries are generally considered as micro-conversions.
A monetary transaction is generally considered as a macro-conversion.
CONVERSION RATE: It is the percentage of visitors who have completed a conversion.
CONVERSION RATE OPTIMIZATION (CRO): It is the practice of continually improving a website's ability to effect conversions.
COOKIES: Cookies are small files that are stored within a web browser of a computer. Cookies have information related to a user's visit to specific websites.
Cookies are used to track users' browsing history and site preferences.
COST PER ACQUISITION: It is the total cost of converting a website visitor into a paying customer.
COST PER CLICK (CPC): It is a payment model for online ad campaigns.
CPC is the amount that an ad owner pays every time when a visitor clicks on their ad.
CPM: It can be extended to Cost per Thousand Impressions. CPM is the amount that an ad owner pays when the ad is displayed for a thousand times.
CRAWLERS (SPIDERS): A web crawler is an internet bot that browses the entire world wide web and indexes websites into a directory.
CRM System: CRM is an acronym for Customer Relationship Management.
A CRM System is an enterprise software that contains the history of company's interaction with all its customers via multiple channels.
CROSS-SELL: It is the act of selling complementary products to existing customers.
It is a popular practice among marketers because selling to an existing customer is a lot easier than selling to a new prospect.
Related Post: Learn how Upselling and Cross-selling can boost eCommerce revenue.
DIRECTIONAL CUES: Visual elements of a website that are used to direct visitors' attention to a specific area on the website (a CTA or an information box) are known as directional cues.
Related Post: By optimizing directional cues towards its CTA button, a company achieved 8% increase in conversions.
DYNAMIC CONTENT: When a website serves distinct content to different visitors (based on their demographic attributes), the content is referred to as dynamic content.
EMAIL MARKETING: It is a practice where businesses use email as a medium to nurture their leads and retain their customers.
Sending personalized and value-packed emails help push conversions.
EXIT POPUP: It is a popup that well, pops up on the screens of website visitors as soon as they show an intent to leave the website.
Exit popups generally carry some sort of incentive for visitors, encouraging them to engage more with the website.
This is an exit popup that VWO used for one of its campaign:
EXIT SURVEY: It is a small set of questions that ask visitors about their website experience, when they try to leave the website.
EYE FLOW: It is the study of visitors' eye movement while browsing a website.
Eye flow helps to track areas that visitors view or discard the most.
FORM TESTING: When forms on a website are A/B tested, it is referred to as form testing.
FRICTION: Friction is caused by elements of a website that confuse or distract visitors, resulting in a loss of conversions.
Friction-causing website elements can be complex navigation links, cluttered boxes, CTAs with lack of visual contrast, etc.
FUNNEL: Conversion funnel is a marketing model that illustrates all steps taken by a customer towards purchasing a product from a website.
FUNNEL TESTING: Funnel testing involves executing A/B tests across all web pages of a website funnel.
Related Resource: Find out how VWO lets you do funnel testing with ease.
GAMIFICATION: It is the practice of introducing game-style offers to potential/existent customers.
The idea is to encourage them to complete more transactions — in a fun and engaging way.
For example, Loyalty programs is a gamification strategy.
GEO-FENCING: It is the practice of targeting users based on their location.
It involves using GPS/map technology to create a virtual boundary around a physical location, and sending targeted messages to users when they enter the area.
GROWTH HACKING: It is the use of low-cost and innovative marketing techniques combined with search engine optimization, website analytics, content marketing, and A/B testing to increase a business' popularity and conversions.
HEATMAP: Heatmap is a graphical representation of most-clicked areas of a website.
A typical heatmap looks like this:
Related Resource: Create your own website's heatmap, using VWO's heatmap tool.
HERO IMAGE: It is the most prominent banner or image present on a website.
Hero image is usually the first visual of a website that visitors encounter.
IMPRESSIONS: The number of times an ad is displayed to online visitors is counted as impressions.
INTERRUPTION: It is a practice of providing attention-grabbing content to website visitors that purposely breaks their usual website navigation experience.
Exit popups can be considered as a form of interruption.
LANDING PAGE: It is the web page that visitors are directed to when they click on an ad (or a link from a campaign).
A landing page can be a lead generation page or a clickthrough page.
The possibility of a conversion depends heavily on the quality of a landing page.
Related Resource: Use this free tool by VWO to test the effectiveness of your landing page.
LATENT CONVERSION: When visitors complete a conversion on their follow-up visit to a webpage (and not on the first visit itself), it is known as a latent conversion.
LEADS: They are potential customers for a business who have already shown interest by providing their contact information — permitting the company to contact them.
LIFETIME VALUE: It is the total profit that a business is expected to earn from a customer over their entire future relationship with the company.
LINK BUILDING: It the process of earning more backlinks to a website.
LIVE CHAT: It is a real-time chat-based customer support service that websites provide to their visitors.
LONG TAIL KEYWORDS: These are search phrases that usually include more than three words. Long tail keywords describe a search query comprehensively.
META TAG: It is an HTML tag that allows webmasters to insert text description of a web page.
The meta description for web pages appear with their links in search engine results.
The image below illustrates how meta description of a link is included in search engine results:
MICROSITE: It is a small website — usually different from a company's main website — that has succinct content and is related to a specific campaign.
MULTIVARIATE TESTING: When multiple variations of a webpage are tested — for more than one element — to determine the version offering the highest conversions, it is known as multivariate testing.
Related Post: This case study demonstrates how multivariate testing can result in higher conversions.
NULL HYPOTHESIS: The hypothesis that an A/B test tries to disprove is called null hypothesis.
The null hypothesis states that the conversion rates of control and variation(s) are the same.
ORGANIC: The traffic coming to a website through non-paid search engines results is called organic traffic.
OUTBOUND LINKS: The hyperlinks that a website uses to direct visitors to other websites, are called outbound links.
PERSONALIZATION: It is the practice of customizing web pages (or any other digital content) to individual visitors' interests or preferences.
PROXIMITY: It is a web designing practice that directs a webmaster to group similar or related website elements together, and place unrelated or dissimilar elements apart.
RESPONSIVE WEBSITE DESIGN (RWD): A website with responsive design adapts its layout to that of the viewing environment (mobile, desktop or tablet) to provide an optimum viewing experience to visitors.
Below is a basic graphical representation of a responsive website.
RETARGETING: When website visitors are shown ads/banners about the things they earlier browsed but didn't convert, it is known as retargeting.
Retargeting is used to push those visitors for a conversion who have already shown some interest in the website.
REVENUE PER VISITOR (RPV): It is the average revenue that a website earns from each of its visitors.
RPV is considered as the most appropriate metric that is used to measure an eCommerce store's performance. Find out why.
SAMPLE SIZE: Sample size in A/B testing is the set of visitors that determine the conversion rate of different variations of a website.
SCARCITY: It is a psychological tactic that marketers use to push visitors towards a conversion. Scarcity takes advantage of the human fear of 'shortage'.
"Only 5 items left" and "Sale only till 8 PM" are some instances where scarcity marketing is used.
SERPs: It is an acronym for Search engine Result Pages.
The ultimate goal of SEO strategies is to make websites appear on the top of a SERP.
Below is an example of an SERP:
SITEMAP: It is a list of all web pages within a website, displayed in a hierarchical manner.
SOCIAL PROOF: Customer testimonials, product reviews and trust badges make up the social proof of a website.
A few social proof elements have been highlighted in the screenshot below:
Visitors trust a website more when they are presented with social proof.
Related Post: Find out how a website performed better with social proof elements.
SPLIT TESTING: It is an umbrella term that covers both A/B testing and Split URL testing.
Related Resource: Know how Split testing improves your website's performance.
SPLIT-URL TESTING: It involves testing multiple versions of a webpage that are hosted on different URLs.
Split URL testing is best suited when there are major design changes on the web page.
STANDARD ERROR: The degree to which the result of an A/B test can be apart from the actual figure is called standard error.
STATISTICAL SIGNIFICANCE: Statistical significance determines the validity of an A/B test.
Related Resource: Find out the significance of your A/B test results, using VWO's free statistical significance calculator.
TEST HYPOTHESIS: It is a tentative assumption that changing a specific element(s) of a website will lead to higher number of conversions.
Establishing a test hypothesis is the first step towards executing an A/B test.
TITLE TAG: It is an HTML tag — a part of meta tags — that defines the title of a web page.
A web page's title tag is displayed above its meta description in SERPs.
TRUST BADGES: Trust badges are small logos or icons that convince visitors about the safety and credibility of the website.
These are a few popular trust badges across the internet:
Related Post: Check out how adding trust badges improved conversions for a website.
TEST DURATION: It is the specific time period over which an A/B test is run.
It is imperative to determine the minimum test duration of an A/B test for reaching a conclusive result.
Related Resource: Unsure about how long to run your A/B test? Use this free tool by VWO.
UNIQUE VISITORS: It is the number of distinct visitors of a website out of its total traffic.
Unique visitors are tracked using cookies.
UPSELL: It is a practice of offering a higher value (and usually more expensive) product/service to an existing customer.
USABILITY: It refers to the ease of use of a website.
The usability of a website can be tested by hired experts, who thoroughly analyze the website and provide suggestions for improvement.
Related Post: Check out the detailed usability review of CharmingCharlie.com.
USER GENERATED CONTENT (UGC): It is content in the form of text, images and videos that is submitted by users to a website as a part of some campaign.
This was one of the UGC campaigns run by Universal:
Here is an interesting post on 10 effective UGC campaigns by Hubspot.
USER INTENT: It is the end goal that a user wants to fulfill through submitting queries on search engines.
Understanding the user intent is imperative for ranking well in search engines.
This is how the focus in SEO is changing from keywords to user intent.
USER TESTING: When the usability of a website is tested with the help of real people, it is called user testing.
User testing can be done in the following ways:
- By inviting potential users to use your website, and observing the problem areas in usability.
- By evaluating a website based on the behavior of real visitors — using tools like clickmaps and heatmaps. (The users are not aware that their website usage is being tracked for analysis.)
VARIABLE (VARIATION): In A/B testing, variable is the challenger web page that is pitted against the control.
WEBMASTER: The person who is responsible for maintaining a website is called a webmaster.
WHITESPACE: It is a design strategy which involves using blank spaces for directing attention towards a valuable website element such as a CTA.
What can be a better example of the use of whitespace design than this:
WIDGETS: They are small application boxes that typically fit in one of the side banner areas of a website.
The use of widgets vary in a range of functions like providing navigation links, submission of forms, and more.
In fact, you can see widgets on the right side of your desktop screen right now.
Use this glossary to move one step closer towards becoming a CRO expert. If you have any other terms to add to the list, please post it on the comments section below.


text:
Florida Panthers (4-11-4) at Minnesota Wild (11-4-4)
|Date & Time
|Friday November 15, 2013, 8:00 PM (EST)
|The Line
The Line: Minnesota Wild -205 / Florida Panthers +186 --- Over/Under: 5.5
|TV Channel
The Minnesota Wild looks to build off their shootout win over the Maple Leafs on Wednesday as they host the hapless Florida Panthers on Friday night.
The Panthers have been what many people expected them to be this season and that is a very young team in transition that will likely once again compete for a top three draft choice in April. Florida is two years removed from a division title and playoff berth but last season was a disaster and as such they laid claim to the second overall draft pick in which they selected talented Finnish forward Aleksander Barkov. Barkov, along with Jonathan Huberdeau will make up the nucleus of a very young squad moving forward but they'll need a couple more top end picks and some free agent acquisitions before they can return to relevance which will likely take a few years. Nonetheless, the Panthers head into Minnesota to lock horns with the Wild who have been very impressive this season. Tim Thomas gets the call as he matches up against Josh Harding.
The Wild have been gaining momentum in a big way over the last couple of weeks as they're 8-1-1 in their last 10 games and sit just two points back of the Colorado Avalanche for top spot in the Central division. While Minnesota needs to work on their road game they have been virtually unbeatable at home this season sporting an impressive 8-1-1 mark at the Xcel Energy Center which is among the best marks in the league. Minnesota has been delighted by the play of Josh Harding so far this season as the reigning Masterson trophy winner for perseverance is really making a claim to be a number one netminder in this league. Minnesota is a very solid team and they're hosting a very poor Panthers club and as such the line in this one is all sorts of crazy. Florida has been better of late but this is a nightmare for them here.


text:
Get a cheap start into the game and a feeling for Godslayer! This one is recommended for all those that would like to try it out without spending too much money on it! You get a Warlord and a Unit but you miss the Character model of the Starter Boxes and the Stretch Goals.
Set in a rich and detailed fantasy universe named Calydorn, GODSLAYER is a fast and tactically challenging tabletop skirmish game, influenced by mythological aspects.
GODSLAYER is played with HIGHLY DETAILED METAL MINIATURES in a true 32mm scale.
This is how a typical sculpt looks like:
The final metal miniatures look like this (note, that this is the RAW quality!):
THE GAME is designed for two or more players and offers a totally new gaming experience with several aspects never before seen.
The game places YOU in the role of a warlord, allowing you to create your own individual warband based on a versatile system of model and item selection.
Great care was taken to ensure that the rules system offers a new level of realistic miniature behavior. A unique system of action and resource management allows fast and logical game-play, while retaining core rules which are simple and memorable, allowing you to learn them rapidly.
DOWNLOAD THE FREE QUICK-START RULES and check for the faction profile cards downloads below to get your game of GODSLAYER started TODAY!
To start playing GODSLAYER, all you really need is a starter box of one of the six factions:
Banebrood are the twisted, slavering horror lurking just beyond sight; the putrid, corrupt carriers of plagues; the armies of uncompromising brutality which crash upon the walls of civilization. Their grotesque forms are diverse, ranging from hideously mutated mortals to man-beast obscenities. All are deranged, vicious creatures hellbent on hacking down the rotten tree that is civilized society. What unites these barbarous breeds as a species is an innate subconscious link to the cosmic force of feral fury known as the Urghast. No race on Calydorn has inflicted as much mayhem as the Banebrood, and no race has been spared their rage.
Mighty, magnificent, and sophisticated, the Halodyne culture has been the most influential in recorded history; carried across four continents by the navies of triremes and the armies of bronze-clad hoplites. Their Pantheistic worship is so intrinsic to the culture that Halodyne society could be likened to the weave of cloth; for through the political might of the secular city-states is woven the religious power of the twelve temple-cults. The Halodynes believe themselves a superior, noble race chosen by the gods to lead mankind. Over the centuries, this immense pride has fermented to hubris.
The Mortan Empire is the mightiest nation on Ghorn; magnificent and morbid,
enlightened and superstitious. Guarded by the praetorian legions, the 13 Lichelord Emperors seek to liberate humanity, but the empire's sinister use of assassination, alchemical weapons, necromancy and military might undermines its image as compassionate liberator. The empire is a multi-faceted, sprawling edifice of amoral decadence, defying black-and-white classifications. Vast, arched forums, aqueducts, coliseums and mausoleums are constructed in lands conquered by the crimson-clad legions to imprint the stamp of Mortan culture.
Far to the north, where lands are draped in snow, there stands between the glacial heights the adamant kingdom of Nordgaard. This nation is an alloy populated by Dwarves and the mortal Skannfyrd tribes. Upon the barren tundra and in forests of pine; atop snowy peaks and in grim mountain halls; Nordgaard is a land where echoes of the Old Gods may still be heard. In frontier trade-posts and damp whaling villages, aboard Seawolf longships and in cities of Dwarven stone the Vættir pantheon is preeminent. The nation stands at the gates of an arctic hell and is the bulwark upon which the demon hordes of Frostmark smash themselves annually.
Shadow is the 5th element, the great balancer, guardian of the cosmic scales, and its unforgiving forces, dedicated to exterminating mankind, are the Troglodytes. The brutal and disciplined armies of hulking Trolloth form feudal societies, building vast fortresses and marching to war in thick armor of iron, while diminutive Gnolls swarm out of labyrinthine warrens excelling in sneaky tactics. Imperious and magical, the Shadow Trolls use their ethereal forms to move as fleeting shadows and penetrate all defenses. Savage and frenzied, the Feral Trolls are primal beasts lurking in the wilderness.
Beyond the borders of civilizations, among the forests, fens, swamps and highlands dwells the mortal race known as the Wyldfolk, a people marked by their kinship with nature. Dressed in colorful clan tartans, they march to stirring bagpipes, while preceding their armies like a stalking shadow are countless camouflaged scouts, rangers and hunters, as invisible as the wind. Fully a quarter of the Wyldfolk turned their backs even on the druids and the gods altogether, embracing instead worship of nature and the anima of The Goddess Dhannya, in an epic bid to resurrect the shattered god-soul of the mother of the cosmos.
MEGALITH GAMES LTD. is a UK registered company founded in December 2008 by a core of two fanatical tabletop game experts, which would be us - David and André. We invest tremendous amounts of care in our products because first and foremost, WE ARE GAMERS, and we want them to be perfect for our gaming, be they models, rulebooks or other accessories.
With this project we would like to raise the necessary money for translating and producing all the GODSLAYER products in German! With the money we raise here, we will be able to pay the translators and get the printing process started! Money we earn in excess to the project goal of 25K will further help us to finance GODSLAYER. Actually we already financed all the releases of the first wave (for the English version), but with this extra money we will have a much better basis which allows us to speed up the whole process and begin wave 2 earlier than planned!
All rewards are available in ENGLISH and GERMAN! For those rewards that require a choice to be made such as the English or German version of the game, or your T-Shirt size, a survey will allow you to confirm your option selections after the project is funded.
[approx. 1.6 $ / 1,2 €] - This pledge level is for all of you that want to support the project by only pledging for OPTIONAL STUFF. What it does is to allow you to become a backer for 1£ which means that you can from now on pledge any amount of additional money to obtain optionals.
[approx. 19 $ / 14 €] - Get your own exclusive GODSLAYER T-SHIRT and a printed copy of the QUICK-START RULES. Once the project is funded, you will be asked for your T-Shirt size. As an indication see the following table:
(Size - Length of T-Shirt - Width of T-Shirt - Length of Sleeve)
- S - 69cm - 50cm - 20cm
- M - 72cm - 53cm - 20cm
- L - 74cm - 56cm - 20cm
- XL - 76cm - 59cm - 21cm
- 2XL - 78cm - 62cm - 21cm
- 3XL - 81cm - 65cm - 21cm
[approx. 31 $ / 23 €] - Get a cheap start into the game and a feeling for Godslayer! This one is recommended for all those that would like to try it out without spending too much money on it! You get a Warlord and a Unit but you miss the Character model of the Starter Boxes and the Stretch Goals..
[approx. 39 $ / 29 €] - You will get the complete RULEBOOK BOX set containing two separated books and the QUICK-START RULES:
The RULEBOOK has 240 pages containing the complete GODSLAYER rules with dozens of examples, diagrams, illustrations and photographs. It deals with all the possible game situations in detail. The main part of the book consists of the model descriptions.
The BACKGROUND BOOK covers the complete mythology, history and faction backgrounds within 176 richly illustrated pages!
>> Preview the Rulebook
>> Preview the Background Book
[approx. 47 $ / 35 €] - Get your STARTER BOX! Starter Boxes are an ideal way to begin playing GODSLAYER! They include enough miniatures to play small games of 160 points using 5-8 models and they also contain the QUICK-START RULES which enable you to start playing immediately, as well as PROFILE CARDS and lots of TOKENS.
[approx. 71 $ / 52 €] - You can choose from expanding your warband with a CHARACTER MODEL and a CREATURE/WAR-MACHINE plus either a unit with up to 2 additional TROOPER BOXES OR a FELDHERR MINIATURES CASE if you didn´t get one already!
[approx. 71 $ / 52 €] - Expand your warband with NEW UNITS and even make a different one with a NEW WARLORD! You will get 1 new warlord as well as 2 new units.
[approx. 79 $ / 58,5 €] - Get your hands on the RULEBOOK BOX as well as on one of the immediately playable STARTER BOXES! You will have everything you need to start playing small games with the QUICK-START RULES, but also have the option to start playing with the complete rules and get to know about all the dangers that await you in the world of GODSLAYER!
[approx. 94.5 $ / 70 €] - Receive your RULEBOOK BOX and STARTER BOX and be completely prepared for your first battles in the GODSLAYER universe and show that by wearing an exclusive GODSLAYER T-SHIRT!
[approx. 118 $ / 88 €] - You will be able to field warbands of TWO STARTER BOXES and march them into battle by your own or pass one over to a friend. The RULEBOOK BOX provides everything you need to know to play and enjoy lots of GODSLAYER games!
[approx. 157 $ / 117 €] - As with the previous reward, this one will give you the chance to field warbands of TWO STARTER BOXES, lay your hands on a RULEBOOK BOX, dress up with a GODSLAYER T-SHIRT, and in addition you will be able to store them in your own FELDHERR MINIATURES CASE!
[approx. 172 $ / 127 €] - You get ONE so called WARBAND of one of the six factions plus the RULEBOOK BOX. Check out the rewards images to see what exactly is in there.
[approx. 196 $ / 144 €] - Get everything from the CENTURIA COMMANDER reward plus a T-SHIRT and a FELDHERR MINIATURES CASE as well!
[approx. 236 $ / 175,5 €] - You get two RULEBOOK BOXES, two STARTER BOXES, two T-SHIRTS, and two FELDHERR MINIATURES CASES.
[approx. 250 $ / 185 €] - Pick any TWO of the WARBAND DEALS you can see in the CENTURIA COMMANDER reward!
[approx. 274 $ / 202 €] - In addition to TWO of the WARBANDS you can see in the CENTURIA COMMANDER reward, you get a T-SHIRT and your own FELDHERR MINIATURES CASE.
[approx. 379 $ / 290 €] - THE HAIRY PAINTER offered to paint ONE whole warband! If you take his offer, you get the CENTURIA COMMANDER reward, plus a T-SHIRT, plus all miniatures of the chosen warband painted! This offer is limited to only one!
[approx. 557 $ / 417 €] - Get everything from the WARHOST KING reward plus 1 ADDITIONAL WARBAND and 3 times the ELITE VETERAN reward!
[approx. 774 $ / 579 €] - Get 2 times the WARHOST KING reward plus 4 times the ELITE VETERAN reward. This is ideal for 2 greedy players or a gaming club!
[approx. 1,084 $ / 812 €] - You will receive 2 times the WARHOST KING plus 2 ADDITIONAL WARBANDS plus 6 times the ELITE VETERAN reward! Perfect for two even more greedy players or a gaming club!
[approx. 2,360 $ / 1.754 €] - If an artwork of yourself as one of the GODSLAYER characters is not enough, then empty your pockets and go for this one! Choose your faction and become its ultimate warlord! You will be able to design a WARLORD CHARACTER of the faction of your choice, and we will get you a black and white ARTWORK drawn that you will receive as a DIGITAL COPY as well as a MINIATURE looking like your designed warlord! This can of course have YOUR LOOK and your complete own ideas, as long as they fit into the style of the faction. Now that seems a little bit expensive, doesn´t it? Well, in addition to that you will get ALL RELEASES OF WAVE 1 of your chosen faction! All of them MAXED OUT to the maximum DPL and unit size! Of course this includes FREE SHIPPING throughout! Ah, we nearly forgot the RULEBOOK BOX, the T-SHIRT, and the FELDHERR MINIATURES CASE of course! :) This offer is limited to only one per faction, so think about it and be quick!
Banebrood (1/1) | Halodynes (1/1) | Mortans (1/1)
Nordgaard (1/1) | Troglodytes (1/1) | Wyldfolk of Annyr (1/1)
[approx. 4,720 $ / 3.508 €] - All right, this is it. The ultimate pledge for all of you that are totally crazy about GODSLAYER and who recently robbed a bank or won a lottery! :) You will get ALL RELEASES OF WAVE 1 FOR ALL FACTIONS! And all of it will be MAXED OUT completely! Of course, the RULEBOOK BOX, the T-SHIRT and the FELDHERR MINIATURES CASE is also part of this ultimate special.
Now it gets even better: you will be able to VISIT US at our play-testing center in Mainz, Germany for up to THREE DAYS and attend our BETA PLAY-TESTING for wave 2! You will meet us in person and all of our test-gamers and hopefully have a fun time! This allows you to get an exclusive sneak preview of the models for the second wave, plus you will be able to influence the rules and game-play of these models! Unfortunately the flight and the hotel is not included in this package, so you will need to take care of this on your own, as well as figuring out how to get to Mainz, Germany (of course we will help you with that!). The good news is that we will most likely to be able to pay your food bills since the money should be enough for some fast food in between the gaming sessions! :) The beta play-testing will start approximately in April 2013 and end by August 2013.
Besides the normal rewards, you can also purchase lots of optionals such as single WARLORDS, CHARACTERS or UNIT MODELS.
NOTE: Check our WEBSITE to see more DETAILS and 360° VIEWS of the models and check for their MAXIMUM UNIT SIZE and DEPLOYMENT LIMIT in a warband.
Stretch goals are little bonuses that will be unlocked when reaching a specific total pledge level.
I think it is time for some GODSLAYER DICE! They will come for FREE for all reward levels beginning with the CENTURIA COMMANDER reward and also as an optional.
Beginning from the reward level WARMONGER, everyone will get FREE PLASTIC TEMPLATES!
The GODSLAYER DICE will be upgraded to GODSLAYER FACTION DICE!
We will create NEW ALTERNATIVE TROOPER MODELS for the units included in each of the Starter Boxes. Every reward level beginning from the WARMONGER reward will profit from that.
We will produce HIGH QUALITY METAL ACTION TOKENS to keep track of your actions! Backer from the CENTURIA COMMANDER reward and up get them for free, others can get them as optionals.
The FELDHERR MINIATURES CASE will be upgraded to a LIMITED GODSLAYER MINIATURES CASE made of dark-gray TOBRUK CANVAS and a STITCHED RED GODSLAYER LOGO. Everyone that has a Feldherr miniatures case in his reward will be able to exchange it to this special limited GODSLAYER miniatures case, but if you like the normal Feldherr miniatures case better, well then that´s what you get!
Risks and challenges
Actually we can say in all honesty that we could suffer only some minor delays. Since we have been already developing and producing Godslayer for 5 years, we already have a deep understanding of the development and manufacturing process, and we also have all facilities currently in place from excellent artists and sculptors to professional layout, printing and expert miniatures casting. So there are actually very little risks since Megalith Games is already a well-financed and solvent company. In the worst case an artwork needs to be re-done or a miniature needs to be resculpted or a new mold needs to be made. These are all regular challenges that we meet in our daily business producing the English version of Godslayer.
If any issues do occur (we hope not), we will inform you about them and do our best to minimize the delays. We already experienced a few such issues in the past and know how to resolve them in the most efficient way.Learn about accountability on Kickstarter
Funding period
- (30 days)


text: Avondale Estates Expert HVAC Services for Avondale Estates are Just Minutes Away Here in Avondale Estates we have a reputation for quality that lets you know who to count on. Having furnace and duct issues can be a real inconvenience, don't let working with a technician be another one. At Peachtree Service Experts Heating & Air Conditioning we want to be the place you trust for all of your HVAC needs. You can count on our experienced technicians to know to be there for you and to know exactly how to solve your problems. There's no question about why our technicians' reputation is one of quality service and technical ability in Avondale Estates. The Avondale Estates temperatures can be so unpredictable, there's no telling when you'll find yourself in an HVAC dilemma. No need to look at your furnace in dismay or start collecting the kindling for your fireplace. Give our local experts a call and we guarantee they'll have the ability to take care of your furnace and AC needs. You can trust our technicians to be professional, there's a reason we offer a 100% Satisfaction Guarantee*. We'll work with you, let you know your options, and help you come up with a plan of action for any emergency HVAC repair or service. If you find yourself in need of a more energy efficient air conditioner, you don't have to break out the popsicles and dig out old fans from the basement to stay comfy. Or if your heating sputters in the dead of winter, no need to start stoking the fireplace. Our technicians have lots of knowledge, and they're happy to help you sort out any issue you have. Their reliability are sure to prove to you why we have such an outstanding reputation in Avondale Estates. No matter what your problem, you can rely on Peachtree Service Experts in Avondale Estates to meet your needs. We pride ourselves on excellent customer service and reliability for everyone that we come into contact with. When you have concerns, our experts are there to help. Comfortable living isn't just about having a working heater and AC system, it's also about knowing who you can count on when things require work.The last thing that you want if you need an experienced technician is someone unreliable. Luckily, you've got a team of experts by your side that are perfectly qualified to help out. There's no question why Avondale Estates knows who to call. If you find yourself in a bind, don't hesitate to reach out. You can give us a call at 678-235-9699 or schedule an appointment online. One of our technicians will soon be there to work with you. Our Precision Tune-Up Tune-ups for heating and AC are like tune-ups on a car, they are required each year. See what our Precision Tune-Up includes. Learn More About Our Precision Tune-Up


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Don't protect tainted politicians, says Jamaat-e-Islami
New Delhi, Oct 1: The Jamaat-e-Islami Hind on Tuesday urged political parties not to protect tainted politicians.
The criminalization of politics and involvement of tainted people in governance have proved devastating for India, Jamaat's secretary general Nusrat Ali said.
"It is unfortunate that even 65 years after independence, we as a nation cannot produce people of high moral values to run the country," Ali said in a statement.
"Our country is facing such a serious situation that not a single political party seems able to maintain its existence without the support of corrupt and criminal people," he added.
"This is dangerous not just for the political system but is against the larger interests of the society and country."
Ali urged political parties to take "hard decisions ... to get rid of the filth" so that the country gets good people as legislators.


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Editor's Note: Recently, MoneyWise revealed its list of the 40 most frugal and friendly places to retire. In a bid to provide an idea of what housing inventory is available in these cities and towns, we're taking a look at listings in each of the cities on the list.
Not everyone can spend $1 million or more on a second home, even if it's with the idea that eventually you'll retire there. So when MoneyWise's list of 40 places to retire that are more budget-friendly came out, we were curious — what kind of homes could you find in these towns?
Last week, we looked at the 36th city on the list — Augusta, Georgia. This week, we look at Metairie, Louisiana, and found some great options from anywhere around $50,000 all the way to $549,000.
"Despite having less than 150,000 residents, Metairie is a very diverse place," MoneyWise said. "This town offers a robust nightlife and a very low cost of living. The median household income is around $52,000. Locals consider this town to be a good compromise between big-city and suburban living."
"Metairie is located just a 15-minute drive from New Orleans, so you can get a taste of the city any time you want," the entry adds. "There is one healthcare center in Metairie, but access to New Orleans gives you a wide variety of healthcare providers."
Price: $50,000
Our first example of what you can find in Metairie if you're really, really wanting to be frugal. And surprisingly, we found that being on a budget doesn't have to mean borderline livable. (more…)


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Museum Management Certificate
|Program Director:
|Dr. Mark Doyle
Peck Hall 273
|The certificate program seeks to provide an opportunity for students to pursue advanced
study for careers in museum management and in-depth professional training for graduate
students seeking employment in public and private institutions at the national, state,
and local levels. This certificate in Museum Management also provides a transitional
bridge to the Ph.D. program in Public History.
The certificate of advanced study in Museum Management offers an opportunity for students to take relevant graduate courses outside the History Department to meet their specific needs and interests.
For the most current information about the program, department policies, and admission standards, please visit the department website.
Admission Requirements:
To be admitted to the Certificate in Museum Management program, a student must submit the following to the College of Graduate Studies:
- Online application and appropriate application fee
- Official transcript of all colleges, universities (including business and technical schools). If the transcripts are issued from an international (non-US) institution, a course-by course analysis is required. Original non-US transcripts should be submitted directly to the evaluation service.
- Official Test Scores of the Graduate Record Examination (GRE)
- Applicant must have earned a master's degree from an accredited university or college or be currently enrolled in a master's degree program.
Submit Application Materials to:
College of Graduate Studies
|Test Codes for Middle Tennessee State University:


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Look Beyond Your Rooms to Drive Ancillary Revenue in 2017
There are many strategies to boosting revenue, but one area most hotels are neglecting. It's called ancillary revenue; looking beyond your rooms, to other products or services that can generate revenue. Airlines and cruise lines have built a very healthy profit margin from ancillary services. It's time for hotels to do the same.
Clever Ideas to Make Your Hotel Website Stand Out
Check out these six hotel websites to draw inspiration from. Can you "borrow" any of these ideas to make your own website stand out to travel shoppers?
8 Ways To Drive Traffic To Your Hotel Website (Part 2)
Part 2 of our two-part series on how to drive quality traffic to your hotel website. Learn how to make your website discoverable and keep visitors engaged.
Best Practices for Displaying Special Offers on Your Website
Special offers play a major role in your hotel website's overall complexion to help drive direct bookings. Here's how you do it properly.


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Technavio's latest report on the global superabsorbent polymer (SAP) market provides an analysis on the most important trends expected to impact the market outlook from 2016-2020. Technavio defines an emerging trend as a factor that has the potential to significantly impact the market and contribute to its growth or decline.
Swapnil Tejveer Sharma, a lead analyst from Technavio, specializing in research on plastics, polymers, and elastomers sector, says, "The global SAP market is increasingly gaining popularity in many application areas, such as agriculture, flood control, waste disposal, personal care, construction materials, and food packaging. Conventionally, SAPs were used only in baby diapers, feminine hygiene products, and adult incontinence products. This shift in trend is expected to be a major boost to the global SAP market."
In comparison with other SAPs, such as polyacrylamide and sodium polyacrylate, sodium polyacrylate retains the moisture more efficiently in the gel form, making its use ideal in hygiene products, such as diapers and incontinence products. Apart from hygiene products, SAPs are used for agricultural applications that improve soil's water retention capacities, and positively affect crop yield in agricultural lands. Industry-grade sodium polyacrylate is also used in sandbags, waterproof tape, and ointments.
Request a sample report: http://www.technavio.com/request-a-sample?report=55244
Technavio's sample reports are free of charge and contain multiple sections of the report including the market size and forecast, drivers, challenges, trends, and more.
The top four emerging trends driving the global SAP market according to Technavio chemicals and materials research analysts are:
• Rise in demand for bio-based polymers
• Instances of early puberty among females
• Government initiative: Improvement of women's health
• Increasing use of SAP in other applications
Rise in demand for bio-based polymers
Well-developed self-sufficient integrated bio-refineries are the only way forward for a sustainable future. Efficient use of biomass is looking toward a positive future that is practically anticipated to build a bio-based economy.
"Informed consumers insist on eco-friendly products. This trend is increasingly gaining popularity as sustainable alternatives. Bioproduction of feedstocks, such as propylene, and acrylic acid, will be the most likely viable option in the future," according to Swapnil.
Instances of early puberty among females
Apart from factors, such as obesity and hormonal fluctuations, early menarche is also associated with various environmental and hereditary factors. The process starts early and progresses through growth spurts and bone maturation. Pre-adolescent weight gain is also attributed to lowering the age for menarche.
This appalling scenario has resulted in numerous females to start on feminine hygiene products at an age earlier than a decade ago. The range of age group using feminine hygiene products has increased and is aiding the global SAP market in the feminine hygiene products sector.
Government initiative: Improvement of women's health
A large majority of the female population in developing countries, still do not have access to basic healthcare facilities and live in households that lack toilets. Public health challenges are posed in the absence of proper sanitation that greatly affects the general health of women.
Government bodies in association with many non-governmental organizations are trying to reach out to women on the importance of feminine hygiene products, which helps prevent reproductive tract and urinary tract infections. Many self-governing and semi-funded organizations are providing sustainable solutions to improve women's health in rural parts of the country.
Increasing use of SAP in agricultural sector
In the agriculture sector, SAPs help improve the quality of soil, preserve water, and resist drought, thus ensuring a better environment for seeds to sprout and develop. They are pollution-free and have superior water absorbing and water preserving abilities. SAPs can be applied along with fertilizers, pesticides, microelements, eradication powder, and other related products. They help in the slow release of these products, thereby increasing the effects of fertilization and pesticides, protecting underground water, and decreasing the loss of soil nutrients. SAPs also reduce water depletion, water runoff, and soil erosion.
The key vendors are as follows:
• Evonik Industries
• LG Chem
• Nippon Shokubai
• Sanyo Chemical Industries
Browse Related Reports:
• Global Lyocell Fiber Market 2016-2020
• Global Diaper Market 2016-2020
• Baby Diaper Market in the Middle East and Africa 2016-2020
Become a Technavio Insights member and access all three of these reports for a fraction of their original cost. As a Technavio Insights member, you will have immediate access to new reports as they're published in addition to all 6,000+ existing reports covering segments like glass and ceramics, industrial gases, and olefins. This subscription nets you thousands in savings, while staying connected to Technavio's constant transforming research library, helping you make informed business decisions more efficiently.
About Technavio
Technavio is a leading global technology research and advisory company. The company develops over 2000 pieces of research every year, covering more than 500 technologies across 80 countries. Technavio has about 300 analysts globally who specialize in customized consulting and business research assignments across the latest leading edge technologies.
Technavio analysts employ primary as well as secondary research techniques to ascertain the size and vendor landscape in a range of markets. Analysts obtain information using a combination of bottom-up and top-down approaches, besides using in-house market modeling tools and proprietary databases. They corroborate this data with the data obtained from various market participants and stakeholders across the value chain, including vendors, service providers, distributors, re-sellers, and end-users.
If you are interested in more information, please contact our media team at firstname.lastname@example.com.
Technavio Research
Jesse Maida
Media & Marketing Executive
Source: businesswire.com


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All contents & images on this website is protected by copyright laws and may not be reproduced, distributed, displayed, transmitted & broadcasted in any way without written consent from E.TAN PHOTOGRAPHY, unless otherwise stated.
The theme is designed by On and has been edited by E.TAN PHOTOGRAPHY.


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The arts-integrated, arts-centered, or arts-infused educational experiment that took place nationally under the auspices of the Annenberg Foundation, an effort that included Detroit from 1996 – 2002, resulted in a wide range of effective curricular units that employed the arts to teach the core curriculum. The arts-centered approach was especially successful in engaging students' multiple ways of learning, particularly at-risk and second language children. The program also gave some exposure to the arts to students unlucky enough to attend school when Detroit's once heralded arts curriculum had become badly curtailed.
Soon after the program ended, three of the original community organizations involved in arts-infused education program approached Marygrove College about establishing an Institute for Arts-Infused Education. After a significant planning period, that Institute was founded in 2006 and has been delivering programs in partnership with several organizations in schools ever since.


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Florida A&M University Band Director Julian White, who was fired this week after the death of a drum major, wants to keep his job.
Authorities are investigating possible hazing in the death of Robert Champion, 26, on Nov. 19. And the Associated Press is reporting that Champion's family plans to sue the school.
University President James H. Ammons said White's dismissal would be effective Dec. 22. He specifically cited "alleged misconduct and/or incompetence involving confirmed reports and allegations of hazing within the Department of Music and the "Marching 100" as cause for dismissal," according to an email sent to the Times-Union from the office of White's attorney, Charles E. "Chuck" Hobbs II.
Hobbs responded to Ammons on Friday, sending a copy of the letter and backup materials to the Times-Union, and detailing White's zero-tolerance stance on hazing.
Related: Hobbs' letter to FAMU
No one answered the phone in Ammons' office Friday afternoon. And Hobbs couldn't be reached for additional comment.
White has been at FAMU for five decades and has served as band director for 13 years. The Jacksonville native was band director at Raines High and Northwestern Junior/Senior High in the 1960s.
Champion, of Atlanta, was found on a bus in Orlando after FAMU's football team played Bethune-Cookman, according to the Associated Press. It also reported that preliminary autopsy results were inconclusive as to the cause of Champion's death, and it could be three months before the cause is known.
Hobbs, in his letter, said White repeatedly tried to stop hazing at FAMU.
He said the documents he provided to university officials "will overwhelmingly show that Dr. White has been at the vanguard of implementing measures to eliminate hazing within the Marching 100 over the past 22 years."
Examples of how White tried to stop hazing included workshops about hazing, the establishment of a task force on reforms, suspension of students accused of hazing, an anti-hazing directive, and providing students with anonymous forms that allowed them to report hazing without fear of reprisal.
"While Dr. White has vigorously suspended band members for hazing, these incidents have not always been met with suspensions from the University or actions by law enforcement," Hobbs wrote.
For instance, White sent a letter dated Nov. 8 to band members about a hazing investigation surrounding the university's October homecoming, Hobbs said. He said White gave copies of the letter to his supervisors, including Ammons, and university police.
"As the record shows, during his 13-year tenure as Director of Bands, Dr. White has shown visionary leadership with respect to hazing and has taken swift and decisive actions to ameliorate the same," Hobbs wrote.
firstname.lastname@example.com, (904) 359-4104


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If you haven't tried Olive and Sinclair's chocolate yet here in Nashville you really should. Over the last two years we have had to do a lot of "product research" as we worked on creating packaging befitting such an awesome local product.
Here are a few shots of the process:
Early sketches as we worked on creating the original wrapper designs – Since eating chocolate is pretty fun we tried to convey that same feeling in the artwork.
Possibly the first incarnation of the design
Working out the details
Early color version
One of the final team effort production versions based on our art
A few shots of the hand printed boxes we helped design for O & S to use as both packaging and display. In the spirit of multiple reuses - the boxes will soon feature prints on the bottom of the boxes to keep after all the chocolate has been sold.
More to see soon! Check out the O&S website and blog here


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Another Way
Mark Harlow
As a church we always have much to pray for. We are aware of our situation and our circumstance - the ways in which we are in need of God's love and compassion. But our call to prayer must always go beyond ourselves. In our calling as Christians we are to pray for the city, the nation and this world.
This week I feel more conscious than normal that our city, our nation and this world needs prayer and to know the reality of God's love and mercy. Like many, I was shocked by another mass shooting this time in Orlando on June 12th, one that adds to an increasing list. Then, on June 16th, I heard about MP Jo Cox, shot, stabbed and murdered outside Birstall Library, just 7.5 miles from St George's. I was shocked - but part of me has not been surprised.
There has been a climate of fear that has been growing aided by events and debate around extremism, migration, economic instability and politics across the world. Some of the most prevalent of which has been in our media surrounding the Presidential campaigns in the USA and the debate on the EU Referendum. These debates can quickly lead to not just sharp disagreement but growing hatred which, in these instances, has led to needless violence.
I was struck by the response of Jo Cox's husband, Brendan just hours after her tragic death:
"Jo would have wanted two things above all else to happen now, one that our precious children are bathed in love and two, that we all unite to fight the hatred that killed her. Hate doesn't have a creed, race or religion it is poisonous."
It is a response that, in the midst of loss, heartache, pain and tragedy does not find its way to enmity and hatred. Instead it seeks another way - LOVE. As I prepare next week's sermon, Luke 6:27-28 says:
Jesus calls us to another way, one that seeks the best for others despite disagreement or hostility. He ultimately, calls us further into prayer not just for those that we care about but for those that disagree with us and may seek to harm us.
So as Thursday approaches, I urge you to pray:
- in preparation for the vote
- for this city in the midst of mourning an MP and campaigner for justice
- for the family of Jo Cox as they love one another and begin to grieve Jo's death
- for the nation as it decides and lives with it's decision; that disagreement would not turn to hatred
- for Orlando and the LGBT community as they grieve and mourn
- for the world as a whole that in the midst of instability the peace of Jesus Christ would be revealed
If you haven't already listened to Jonathan's thoughts on the EU Referendum from the 18:30 Service on 12th June - I would encourage you to do so. Click here
Read more on the EU Referendum and Jo Cox from the Bishop of Leeds on Nick Baine's blog - https://nickbaines.wordpress.com
If you are able to vote, then please vote - not from a place of fear but from a place of love (even of enemies), seeking the best for others. Vote from a place of hope based on Christian principles and from a place of unity, being willing to play your part in the debate. Listen to all sides and stand as neighbours with those whose opinions differ from your own. After the vote, join us at the Church Prayer Gathering to pray together as a church.
Our Next Church Prayer Gathering:
Tues 28 June | 7.30 - 9pm | St George's Centre


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Toyota is taking to the New York Auto Show with one of its most intriguing vehicles in recent memory, the FT-4X Concept.
Although the vehicle won't reach the production line and has been created simply to explore new ideas, it is fully functional and aims to attract the interest of millennials.
Underpinning the FT-4X is the carmaker's TNGA platform, already in use with the 2018 Camry and CH-R crossover. The FT-4X is also very similar in size to the CH-R, measuring 167.3 inches longer, 71.7 inches wide and stands at 63.9 inches tall. As there is no intent on building the FT-4X, Toyota simply says that it could employ a compact four-cylinder engine coupled with a continuously variable transmission but has installed the concept with all-wheel drive and a low-range transfer case.
The concept came to life at Toyota's Calty design facility in California and has rather retro and boxy styling. Toyota itself mentions that it has "a charming ubiquitous tactility of grips, handles, and controls," and perhaps of most interest, incorporates a so-called 'Multi Hatch'. In Outdoor mode, the hatch opens vertically and in Urban mode, the hatch splits in two vertical half-doors.
Other customizable design elements include a removable "picture window" incorporated into the C-pillar which can be replaced by a tinted glass panel. The FT-4X even includes a GoPro integrated into the driver's side mirror.
The cabin meanwhile includes a sleeping bag that stows between the front seats and acts as an arm rest, a host of color-coded storage bins and a removable radio that can double as a boom box.