text:
Zero no Tsukaima:Volume11 Chapter6
|This text is a machine translation (MTL).
Be warned that the degree of translation error may be higher than usual.
This page was created before the updated (July 19, 2015) MTL guidelines and has not been reviewed.
Chapter Six: Private Lesson[edit]
Now, in the middle of the huge uproar, Saito managed to slip away and found himself in front of a library. The library was located in a tower. At the entrance, a librarian wearing glasses sat and checked the students and teachers who went in and out. Books were heavily guarded in there because they had the components of magic potions written in them, and couldn't be handed out to a simple commoner.
A young librarian girl glanced at Saito and confirmed his mantle, then returned to reading a book.
Hm, knighthood is useful after all – thinking so, Saito entered the library.
"Wow. It's amazing."
The size of the library's bookcases was overwhelming.
Some were as much as thirty mails in height. It was an incredible height. Apparently, the library occupied the larger part of this tower. Anyways, facing such a huge amount of books, Saito hesitated.
It was somewhere around 8 PM. A whole eternity – thinking so, Saito took one book in his hands. The characters of Halkeginia's alphabet were written there.
Though he stared at them for a while, he was not able to understand any of them.
"Dang, pretty tough…"
Saito came to look at the books in order to memorize what characters mean. There is a new enemy - the king of a large country. It is absurd to only swing a sword. Being a knight, one cannot just rely on talking, but needs to write as well - he thought.
"I wonder if they have a Japanese dictionary."
Of course, there was no such thing.
But how could he talk?
When he asked Derflinger some time ago, he answered, "Though I do not understand it well, I guess it's something you gain when you pass the gate to this world."
Well, seems like magic anyhow. And thanks to this magic, everyone can communicate by speech.
Flying and jumping, putting out fires, healing injuries, making strong love potions – considering all that, Saito was not surprised by such magic.
Possibly, it may be related to Louise's "Void."
Being in charge of Louise, he did not understand what the magic exactly was, but it was not hard to assume that there was some kind of translating magic as well.
However, I want learn the characters in any case - Saito thought.
Wondering what to do, he turned his head, and at a distant table saw a familiar face.
It was the girl with short blue hair. Since the rescue, they had hardly talked. She had that atmosphere of not being easy to talk to, then there was going to Louise's family, thus it was too hectic.
However, why, after leaving her mother in Germania, did she return to the Academy of Magic again? - Saito approached Tabitha and said.
He thought he would be disregarded as usual, but this time it was different. Tabitha shut the book she was reading and looked up at Saito.
Tabitha answered looking at Saito with round, puppy-like eyes. Saito was somewhat at a loss by such a surprising attitude.
"No, that…it's not like it's my business, but are you alright...?"
"I'm alright."
"I-I see… Aah, I have something to say. Seems like Guiche, well, blurted out who you really are. You are a Gallian princess… r-right? That was stupid."
Tabitha shook her head.
"Doesn't matter. It's the truth anyway."
"I-I see. But didn't you want to hide that? You were using a false name…"
"It does not matter now. I do not mind."
Tabitha said as a matter-of-fact.
"Is your mother alright?"
To this question, Tabitha hesitated a little bit.
"Her mind is at peace in Germania."
Whether it meant what it meant, he hesitated to ask any further. Surely, Tabitha's thoughts were Tabitha's after all.
Besides that, she was a reticent girl to start with, Saito thought the flood of questions would be pitiable. Even now it may still be impossible to answer.
"I see, understood. Sorry for disturbing your reading."
He turned to leave while laughing.
"Do you read as well?"
She asked.
Because it was the first time that Tabitha asked about something, Saito was confused.
He instinctively asked back.
"Did you also come to read?"
"Aah, it's different, different. Far from reading, it would be difficult as I am not even able to read the letters of this world…"
"This world?"
When being asked back, Saito panicked.
Tabitha didn't know he wasn't a human from this world. It was Henrietta, Louise, Siesta, Cattleya, Tiffania, Osman and Colbert…who knew. That was pretty much it.
Even his colleagues from The Undine Knight Corps do not know.
"Hey, because I am a former commoner, I cannot read the characters. However, because I became a knight, I thought that I could learn a little. However…it is impossible after all. It's just gobbledygook."
Then, Tabitha abruptly stood up and left the book she was holding.
"Ah, oi."
Though he called her to stop, Tabitha flew up to the high to the bookshelf using the spell. Not being able to fly and her being about twenty mails off the ground, Saito could not stop her.
And just when he started to think that they may disturb the readers and that he should get out of the library, Tabitha suddenly landed right in front of him.
Tabitha abruptly thrust out the book to the surprised Saito.
"If it's this book - it should be easy."
Apparently, this book was for learning the letters – just the book he was searching for. However, the really surprising thing was the usually indifferent to others Tabitha. He took it while thinking what on earth was the matter with Tabitha, when she said surprising words.
"I'll teach the characters."
"If you just stare at the book you won't learn anything."
"No, well, that is right, however…is it alright? It would be pretty difficult I think. I'm not the brightest student.
"Don't care."
Then Tabitha took Saito's hand and walked him over to sit at the table.
The characters of Halkeginia were a little bit different when looking at the alphabet. Slowly, Tabitha taught him the pronunciation of the characters.
Though he heard the sounds somewhere, it was not possible to recall them well. Maybe it was because he only heard them.
Tabitha continued to point at each one of the characters, patiently teaching him the meaning.
But somehow, the words started to mysteriously turn into… "Prologue" and "August" and "I."
Once he heard them, they were converted to Japanese again.
Probably, Tabitha pronounced them in Halkeginian. However, when they reached his ears, they turned back into Japanese.
But, as Tabitha continued to teach the meaning of the words little by little, sentences that he had seen only as a random mess of characters up till now, slowly gained an understandable meaning just from his watching alone. As if they were translated inside his head.
Once he got the hang of it, it started to run more smoothly.
And after one hour, he could already read basic sentences. So Saito, using an easy book as a textbook, was able to read out.
"What does it mean?"
Not changing her usual tone, Tabitha asked.
Tabitha pointed at one sentence.
"Here, it's written 'No use crying over spilt milk.' However, you read it as 'An irreparable event happened.'"
"No, that's just the way I read. Sorry, is it a bad thing?"
Tabitha shook her head.
"No. You are not wrong. Sentences like 'No use crying over spilt milk' are idiomatic expressions. Their meaning is certainly 'An irreparable event happened.'"
Tabitha continued to speak.
"It's subtly different the way you read written sentences. But it is not wrong. It is often summarized instead, to give an expression adequate to the context. Entire sentences can be grasped by just a few words. Indeed, it is like dog or cat familiar being able to speak human language. However, the summary does not explain the reason. In such cases you cannot read like you did just now."
Tabitha looked at Saito with clear blue eyes.
In these cold-looking eyes, Saito felt a faint glimmer of curiosity. Tabitha wanted to learn the truth. Of who I am…
"That's really strange. Ah, how do I put this, well, to be honest, I'm not really reading, in a sense. I think that while the literal meanings of the individual words and phrases that Tabitha is teaching me is a clue, but what I understand directly is the underlying 'meaning' of what is written."
"I think it's because I am not a human from this world. Maybe it's because my words are different from Tabitha's and others. In other words, a word is already directly translated in my head…maybe that's why there are those subtle changes? Aah, that's how it is!"
Unnoticed to Saito, he started to shout.
"For the book – it is translated in my head at once, just like the words of this world are translated after they leave my mouth."
Just like when sentences written in Japanese are translated to English. And when that English sentence is translated back to Japanese again, there are some subtle changes from the first sentence. That's what happens when I read a book Saito thought.
Indeed, it must be so, yes, he realized, and then was asked by Tabitha.
"This world?"
Because of such turn of events, Saito had to explain the circumstances to Tabitha. Since Tabitha was sharp, he couldn't hide it from her any longer.
"So… A person from a different world."
Hearing Saito's story, Tabitha narrowed her eyes a little.
"Do you believe me?"
"You do not tell a lie."
Tabitha said, looking straight at Saito.
These words made Saito's heart beat faster. Embarrassed for some reason, Saito turned his face away from her. Being looked like this by this small young girl, his heart throbbed and it was hard to meet her eyes staring straight at him.
"Do you want to return?"
"To your home…to your mother, do you want to return?
"I want to return."
Saito said.
"Then why…"
Do you not return? That's what she was probably wondering.
Saito shook his head.
"It's because I cannot find the way to return."
"You just have to look for it."
"I don't have a clue."
"You do not seem like you are looking for it."
Tabitha said. Hearing that, Saito lowered his head.
"No…rather than not wanting to return, I cannot afford to leave."
"What do you mean?"
"There is a fellow who is aiming for Louise's power…"
"You knew?"
"I understood when I saw it."
Tabitha said calmly, leaving the other world issue behind. Indeed, it might have been useless to keep any secret from this girl who was extremely knowledgeable.
"Anyway, since I have someone to protect, I cannot leave the place. Besides…"
"I was gifted with Gandálfr's power. Having such power, I may be able to do something for this world…that's another reason."
Tabitha said with conviction. "It is unreasonable."
"Inside, you feel like you belong to this world's people and you say what you feel."
Saito was shocked. Then Tabitha whispered silently,
"…you are a hero of this land."
It was so quiet that he could not hear it well. Tabitha lowered her eyes and shook her head.
After these two questions, silence settled in. Somehow, the atmosphere became awkward.
The librarian stuck her head into the reading room, and informed them that the library would soon be closing. Saito happily stood up.
"Thank you. You helped me a lot. Now I can study alone."
Tabitha shook her head.
"I will supervise it till the end."
"There are difficult words. Runes too. It's impossible to study alone."
It might have been the way she said it. However, he thought that it would be bad to make her help him any further.
"No, I'd feel bad for hogging your reading time…"
"Don't care."
When Tabitha said so, she took yet another book out of the same bookshelf.
"Next textbook."
"Now? Isn't it already getting late?"
Showing no hesitation, Tabitha nodded.
After providing the hangout with food, Siesta and the others went back to clearing rooms and cleaning tables. When they returned and peeped into the hangout again, they could see drunken apprentice knights and students, but there was no Saito. So they never found out whether their dishes or the noble girls' were more delicious.
I wanted to ask Saito for his impression, thought Siesta while going back to her room.
"Miss Vallière?"
Siesta looked at the pink-haired girl who was Saito's master. No, the girl in there was…
"A bad imitation of Madam Butterfly?"
Louise walked towards Siesta with her hands crossed in front. For some reason she was swaying her hips with each step. Noticing Siesta, she let her arms drop to her sides - though she looked like the usual Louise, something was amiss.
"Who are you calling a bad imitation?"
"S-Sorry! But why are you dressed like that — is this some kind of costume party? But I haven't heard of one…"
"Why costume party?"
Louise stared intensely at Siesta.
"B-Because, for Miss Vallière to wear that…"
Shocked, Siesta looked at Louise's clothes. Usually Louise would wear a long, cute camisole.
Yet, what Louise wore today was a black babydoll.
Louise, with a composed expression on her face, sat down on the bed and crossed her legs.
Siesta tried hard to suppress her laughter. Louise quickly stood up and took out the riding crop from the drawer behind Siesta.
"Tell me. What are you laughing for?"
"I'm n-not laughing at all!"
Louise, as if remembering something, moved away from Siesta.
"I should not. A mature woman wouldn't be angered this easily."
"For an adult, your chest pretty much still falls behind…"
Said Siesta pointing at the chest area of the babydoll. Louise's cheek started to twitch.
But Louise shook her head and said:
"Breast size is unrelated to the charm of a lady. The important part is behavior, education, and…"
She said lazily, curling her hair with her fingers.
Hah, seems like someone convinced Louise to wear another strange outfit. Black cat, maid…and now a mature woman Siesta guessed.
"However, somehow I think it should be a much stronger atmosphere…"
After hearing what was said, Louise turned around.
"It is different. You are mistaken. Don't you know? Saito is crazy about me."
"Eh, then you don't think Saito is drawn towards the Queen? Do you know Saito so well? Can Miss Vallière reach his deepest feelings? I think it's a difficult thing to know."
Louise stopped triumphantly curling her hair.
"It's stupid — I was chosen."
"The Princess said so herself. Right now, Saito sees only me. What a bother! For me, even though it's love, it is…t-troublesome. Well, I feel sorry, so I go along with those feelings."
Louise said with glee, striking a pose in front of the mirror. Siesta coldly watched Louise.
"You look awfully happy about that, though."
"A-Anyway, I do not value it but I do not disregard it. But it would be hard to be valued when you don't dress well. It's not just big breasts and the empty head of the maid, it's different here. How about that? Does it suit me?"
Calmly, Siesta said,
After a long silence, Louise took out her wand, and started poking Siesta with it.
"What was that? What was that? What was that?"
"Because! Miss Vallière's body is far from an adult's in every respect. So, only cute clothes suit her body!"
Then Louise stood up and turned her back towards Siesta.
"Sooner or later, the atmosphere will come out."
"Come out?"
"Come out. It's what I said. Mood is important."
"B-Being an adult is nice but…as promised before, could you loan me something to wear for one day?"
"Something you like? I don't mind."
"Really? Is it alright?"
"It's alright. Can't break a promise that's made by a mature woman. I'll diligently keep the promise."
"If that's so, I'll take it then. I wonder what dress to wear. Hmm."
"If you like, I can lend you any of these clothes."
Then Siesta danced with joy and opened the closet.
"I can actually wear them, how about this dress? Hey, this!"
Louise had once worn it — it was a black dress. The neckline was pretty deep and it was sleeveless.
"You like something this plain? Hm, I have a lot that are similar to that one."
Siesta gladly put on the black dress.
"Uwa…great! And this fabric stretches too."
Siesta, wearing Louise's dress, struck a happy pose in front of the mirror.
"Uwaa, it shows the body lines well. No, it is perfect. Don't say this dress is plain♪. Bit embarrassing though… This…"
While saying so, with a smirk on her face, Siesta bent over. Certainly, the black dress emphasized the wonderful chest of Siesta that threatened to burst out at any moment, and with each movement it sunk lower.
The white valley between her breasts, stretching the opening further, seemed to emphasize her words.
Siesta displayed her arsenal to Louise.
"How about it? Do you get a mature atmosphere from this?"
"It is different. He likes tiny girls like me. Therefore, the Princess and you should not have false hopes."
"Tsk, but he sure watches cleavage with a great interest."
"Only because they are unnaturally big. Surely it's just a biological curiosity. Alright? I do not need clothes to make a mature atmosphere. I, myself, am a small lady who has a mature atmosphere around her. Moreover, that's why I am generously not getting angry. Yeah, because I am unrivaled."
"Is that so?"
"It is so."
Louise hit another pose while humming. Siesta, on the other hand, did not look convinced by Louise's performance…and when she glanced over the window, she shouted,
"Saito? The door is still closed."
"Not there, outside the window!"
Louise pushed her head out of the window.
"W-What's the meaning of this!?"
It was Saito and Tabitha, who was leading him by the hand, walking together up the moonlit stairs to Tabitha's room. In an instant, Louise dashed out of the room, stormed up the stairs, jumping two steps at once, and, with a loud Bam!, tore Tabitha's room's door open.
The small, dark figure of Tabitha sat at her desk and Saito stood beside her. They both turned around at the same time.
"What, Louise? What's the matter?"
Saito asked with a blank look on his face.
Louise was boiling with anger. However, she firmly held that anger down.
Control yourself, control yourself.
A mature woman would not be getting angry.
Besides, it's still not clear if he had an affair to begin with…
Looking around the room, Louise started curling her hair.
"Um, you. What are you doing in here?"
"Well, learning the words."
"Yep. Wouldn't it be convenient to read the words of this world?"
It seemed like Saito was learning the words from Tabitha.
Louise's cheek twitched. Why couldn't you tell me? Why didn't you ask me if you wanted to learn how to read?
However, Louise swallowed the pain.
Today I am an adult. Today I am a lady. '
Louise touched the place of her palm where she had written "lady."
In her mind, the mature Louise calmed down the raging child Louise.
Alright? Child Louise. You are a mature woman, right, so do not forget that attitude.
Pretending to be all cool and calm, Louise asked Saito,
"You didn't consider asking someone else to teach you?"
"Because Tabitha offered to teach me."
This reticent girl started a conversation by herself?
Louise stole a glance at Tabitha. However, Tabitha seemed to be expressionless as usual. No feelings could be read from her eyes. But...her holding a romantic interest in Saito still seemed impossible.
Maybe she just expressed her gratitude for the help.
Feeling relieved, confidence boiled up again.
At any rate, the current me emits a lot of charm…
Louise saw Saito averting his eyes in embarrassment.
Augh. Not good.
I just burst in here wearing nothing but underwear!
Dressed in this, I dashed wildly through the corridor and intruded into someone's room. Though she was ready to die from shame, Louise tried to endure it. And she was so close to dying.
For something trivial like learning words…
I have to appear like the mature me again.
Coming to see the room like this would have a big impact, wouldn't it?
Hmm, her mind started to work furiously.
Whatever, I'll just use this mature attraction to completely turn him into my slave forever — Louise finally decided triumphantly.
Fuun, Louise nonchalantly placed her hand against the wall and thrust her hips to the side.
To fascinate Saito, in an act that she herself thought to be sexually charming, she started to lightly suck on her finger.
"W-Wait. W-What's this. This look…"
Get it. Not get it. Stupid dog.
Do you finally notice the attractiveness of the mature me?
Caught in the moment, Louise placed her right hand behind her neck, turned her hips, and threw a tempting glance to Saito through the corner of her eyes. Louise's slender limbs created a tense atmosphere.
Saito's face reddened more and more. The expressionless face of Tabitha, sitting by his side, was not fazed at all.
"It's ridiculous. That…"
This is my power.
Hey, dog.
Do you notice, dog?
Have you noticed your mistress's unexpected charming side?
Now then, why don't you swear your eternal servitude to me?
Louise pulled out her final trump.
Guiding her right hand from her hair onto her breasts, she let her left hand slip down and slightly lift her babydoll's hem up.
"Hey, stop doing this embarrassing stuff in front of me!"
Saito finally erupted. To Louise, it sounded like a loud hymn of her triumph.
"Not picchibichi!"
Eh? Picchibichi?
"Siesta, is that Louise's dress? Do not wear it! It's not your size! I can see all your parts, all your body lines clearly, so I do not know where to place my eyes anymore! What if someone else sees that!"
I see.
Louise's triumphant song broke with a loud ugly noise.
Siesta, who stood next to Louise, tried to cover herself.
"Don't stare at me this much, it's embarrassing!"
"You are the one who is embarrassing! Hey!"
Saito blushed and turned his eyes away.
Louise asked Saito in a tiny voice.
"W-What about your mistress?"
"Ah? No, Louise, you look kind of awkward wearing this. Is this a curtain?"
Louise's shoulders began to tremble.
Tabitha politely coughed.
"Doesn't suit."
At the same time, Saito burst out laughing.
"Uwaa, Louise! What's this! Could it be a babydoll dress?! No, it hung so loosely on you that I thought it was a curtain!"
Then, Louise silently drove both of her feet into Saito's plexus with a skillful flying kick.
Once Saito hit the wall and fainted in agony, Louise aimed her wand.
"Die you, then resurrect, and then die again — you need to die at least twice for this!"
But Tabitha, with her staff readied, blocked her.
"What?! You?!"
"I won't allow you to lay your hand on this person anymore."
Though her words were purely defensive, Louise took them in a different meaning.
"So, you already laid your hands on her? No, it wasn't just hands."
"A c-child who is smaller than I, s-s-smaller than I! Smaller than I!"
Thinking that her only advantage was denied, trembling, Louise aimed and lowered the wand.
Saito covered himself.
However...nothing happened.
The sound of the explosion that he feared did not come.
Louise's surprised voice rang instead.
"What? What's wrong?"
"It doesn't work. The 'Explosion' spell doesn't work!"
"Narrow escape from death."
Saito sighed in relief, while Louise was already half-frantic.
"Eeeeeh!? How!? Why doesn't it work!?"
|Back to Chapter 5
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|Forward to Chapter 7


text:
photo of the month
from randy kato
I just returned from a wondrous journey in Turkey and Greece. And as I try to whittle down a couple thousand photos into a manageable gallery, I realized I need to select a single photo for this month.
Surely I could find one among all these.
Easier said than done. I have a plethora of lovely images from this trip and they all have stories attached to them. But I persevered and am proud to present this month's pick.
One of the places we could not miss in Turkey was Cappadocia. It's a place out of a fairy tale with otherworldly landscapes and houses (and hotels and churches and dovecotes) carved into surreal rock formations.
Adding to the fairy tale setting was being able to take flight in and around this magical land. This shot is of a few of the other hot air balloons that joined us at sunrise, floating up for an eagle's view, then dropping down into the canyons over and over. What an incredible experience...and when we landed we got medals and a champagne toast!
There are just three balloons in this shot, but we were joined by over 80 that morning. During high season they said there are usually 120+ balloons in the air each day! So imagine that in addition to this gorgeous landscape, you've got a skyscape filled with dozens of colorful floating inverted tear drops. Breathtaking.
And to top it all off, we were honored to have Turkey's very first - and still one of the only - female pilots at the controls.
Photo of the Month

subset: commoncrawl


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Health, Environment, Analytics, Resilience, & Social Group
Health Sciences and Human Services Division
Child Welfare and Education (CWE)
Location: Fairfax, VA
Job Description:
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+ Develop and maintain electronic and manual document filing systems
+ Develop and update administrative systems
+ Maintain staff lists, organizational charts, office and project policies and procedures
+ Handle sensitive information in a confidential manner
+ Assist with event planning and execution
+ Carry out administrative duties such as typing, copying, binding, scanning, occasional filing, etc.
Challenges of the Position:
+ Managing multiple, time-sensitive assignments from various managers
+ Proactive thinking to solve problems, update documentation, and manage and streamline recurring tasks
+ Working independently and with some number of remote teammates
Reporting Structure:
Supervision received:
Receives supervision from the Executive Director, Child Welfare Information Gateway.
Supervision exercised:
+ Two (2) year degree or equivalent work experience in a professional environment
+ Minimum 3 years professional experience in an office environment
+ Proficiency in MS Office (MS Excel and MS PowerPoint, in particular)
+ Familiarity with collaboration tools (ex. Slack, Microsoft Teams, MS Project)
+ Attention to detail and problem-solving skills
+ Must be a self-starter that proactively seeks solutions to ambiguous tasks.
+ Demonstrates a cooperative team approach with respect for others. Works effectively with other groups and departments.
+ Assesses and prioritizes work requirements; develops and executes plans in a timely manner and accepts advice and/or direction well.
+ Excellent time management skills and the ability to prioritize work
+ Excellent written and verbal communication skills
Preferred Skills/Experience:
+ Experience working in a consulting culture with client-facing experience
+ Experience working with Federal government projects
+ Ability to analyze and revise operating practices to improve efficiency
+ Graphic Design experience
+ Interest in Human Services or Child Welfare
Personal Qualities:
+ Ability to approach both internal and external tasks with a customer service focus
+ Proactive, self-sufficient and productive thinker
+ Ability to be flexible; to prioritize and manage multiple activities simultaneously in a fast-paced environment
+ Strong analytical, problem solving, and decision-making capabilities
+ Detail oriented with strong organizational and time management skills
Type and Amount of Client Contact:
+ Recurring interface (phone, email) with lead client and others within the client's organization: Children's Bureau, Administration for Children and Families, U.S. Department of Health and Human Services.
+ Most contact focuses on scheduling meetings and submitting reports.
Working at ICF
Working at ICF means applying a passion for meaningful work with intellectual rigor to help solve the leading issues of our day. Smart, compassionate, innovative, committed, ICF employees tackle unprecedented challenges to benefit people, businesses, and governments around the globe. We believe in collaboration, mutual respect, open communication, and opportunity for growth. If you're seeking to make a difference in the world, visit www.icf.com/careers to find your next career. ICF-together for tomorrow.
ICF is an equal opportunity employer that values diversity at all levels. (EOE - Minorities/Females/ Protected Veterans Status/Disability Status/Sexual Orientation/Gender Identity)
Reasonable Accommodations are available for disabled veterans and applicants with disabilities in all phases of the application and employment process. To request an accommodation please email email@example.com we will be happy to assist. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. Read more about non-discrimination: EEO is the law and Pay Transparency Statement.
Fairfax, VA (VA01)About ICFICF (NASDAQ:ICFI) is a global consulting and technology services provider with more than 5,000 professionals focused on making big things possible for our clients. We are business analysts, policy specialists, technologists, researchers, digital strategists, social scientists and creatives. Since 1969, government and commercial clients have worked with ICF to overcome their toughest challenges on issues that matter profoundly to their success. Come engage with us at icf.com.


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Bitcoin value prediction 2016 magi
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4 stars based on 74 reviews


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Jan. 24, 1990. May 31, 1991.
Two dates, 16 months apart. Two days that will live in infamy in Buffalo history.
Those were the days, more than 20 years ago, when federal regulators swooped in and seized Buffalo-based Empire of America and Goldome, respectively, shuttering two institutions with long histories and sending shock waves throughout the Buffalo Niagara region.
At the time, they were two of the top U.S. savings banks, with branches in several states.
But they were already teetering on the edge of failure with sharply depleted capital -- a result of a series of missteps, overly ambitious expansion, heavy losses on loans, and significant changes to the rules under which they had operated.
"It was a real heartbreaker for many, certainly for the region, to have what we had and see it come tumbling down," said John R. Koelmel, CEO of First Niagara Financial Group. "It was difficult for everyone."
Two decades later, the legacies of those failures live on, not only in stories and memories, but in the veterans of those banks who remain active in the banking and business community today.
They also survive through the successes of two of the area's biggest banks today -- M&T Bank Corp. and KeyCorp, which split the spoils of Goldome and Empire, launching their own growth locally.
Perhaps more importantly, local bankers seem to have taken to heart the lessons learned from those mega-failures during that previous crisis -- even if they did it subconsciously.
"As a general rule, one learns from one's mistakes, not one's successes," said M&T chairman and CEO Robert G. Wilmers.
So while the banking industry nationally seems to have repeated many of the same mistakes -- excessive growth out of market, improper lending, bad judgments on real estate -- Western New York's institutions have not only survived the worst recession in more than 70 years, but have thrived.
"This business isn't that complicated. We work hard to keep it simple," said Koelmel, who was lead auditor at KPMG Peat Marwick handling the Empire account. "Those of us who have a sound balance sheet, strong foundation, and good business model, you're successful and sustainable in the best as well as the worst of times."
M&T and First Niagara have since snapped up seven banks between them in Pennsylvania, Maryland, Connecticut and Delaware, taking advantage of the turmoil and their own strength to push further up the ranks of the biggest banks.
And they've done so by expanding more cautiously in adjacent markets, sticking to their knitting, holding fast to underwriting standards, and ensuring they have more than enough capital on hand to support their business by either raising it or socking it away from earnings.
"One of the lessons that's been learned over time is 'don't grow too fast,' " said David Nasca, CEO of Evans Bancorp in Hamburg, who worked at Goldome and later at First Niagara. "Goldome grew very fast. Empire grew very fast. That's not typically an industry that reacts really quickly to fast growth."
Rather, he said, companies have to first make sure they have the right infrastructure, management and controls in place to handle such expansion, Nasca said.
That's exactly what M&T and First Niagara did.
"Our success has been predicated on rebolstering our capital base and ensuring we have a strong capital position as we've gone every step of the way," Koelmel said. "You've seen us invest heavily in talent."
The dual failures 20 years ago were a massive jolt to the Buffalo psyche. The names Goldome and Empire -- or "The Big E" -- were relatively new when the institutions collapsed, but the savings banks themselves had been part of the Western New York fabric since the mid-1800s. That's when the former Buffalo Savings Bank and Erie County Savings Bank were founded in 1846 and 1854, respectively.
They grew up along with Buffalo itself, plodding along with steady growth and solid profits for most of their history. They survived financial panics, recessions and depressions, and emerged after World War II as strong but staid banks.
Indeed, not until the 1970s and early 1980s, under Empire's Paul A. Willax and Goldome's Ross B. Kenzie, did the two savings banks begin the radical transformation that would abruptly end with failure a few years later. They didn't even adopt new names until 1982.
It took only a few years for everything to change, as lawmakers and regulators loosened restrictions on the industry, banks chased loans and other business in search of profits, and a real estate bubble arose that led to inflated values, lax lending standards and loans that shouldn't have been made.
That tale may sound eerily familiar. In fact, while the specific environment in which Empire and Goldome operated was significantly different than the last few years, there were remarkable similarities as well.
"There's one word that describes what happened to the banks then and today: ego," said Lou Sidoni, who was a vice president at Goldome until 1988, before helping start Jamestown Savings Bank and Greater Buffalo Savings Bank.
Both periods saw intense competitive pressure on banks, and a need or desire to grow and boost profits. Both saw banks look far afield from their home base and traditional business, rapidly expanding across the country through acquisition and branching binges to high-flying markets with a greater potential for rapid gains.
Both periods also witnessed lenders abandoning good underwriting, focusing on fees and commissions instead. And both involved accounting gimmicks or what turned out to be shams.
"I think the lessons that they didn't learn 20 years ago was you can't take shortcuts for quarterly profits. You need to take a long view of growth and profitability," Nasca said. "The reason the banks here are doing well is the banks here didn't get caught. The bankers here largely avoided what the rest of the country sort of went after."
Of course, the origins of the two crises differ. Unlike the record low interest rates today, banks in the 1970s and early 1980s were faced with high and even inflationary rates, driven by heavy U.S. government borrowing and the oil crisis.
At the same time, they had federal caps on how much they could pay on deposits, and the lowest state cap on mortgage rates in the country. And there were other restrictions on their expansion, growth and ability to offer certain services.
"If you think about the industry in the '70s, it was largely like a utility. It had fixed rates. It was regulated. And it was pretty sleepy," Nasca said.
So banks like Empire and Goldome were struggling mightily by 1980, unable to compete with alternatives for depositors, unable to charge enough on loans to be profitable, and unable to grow as executives wanted.
"Banks were looking for ways to bring in money. It was really hard," Sidoni said.
Under pressure from the industry, federal lawmakers and regulators lifted certain key restrictions on both commercial and savings banks in the 1980s, including the ability to pay higher rates on deposits.
At the same time, savings banks aggressively pushed into commercial real estate lending in high-flying markets, hiring veteran lenders from commercial banks and pursuing loan opportunities with developers.
"Show me a thrift that went under and I'll show you a thrift that hired commercial bankers to make loans," Sidoni said. "The commercial bankers loved to get in with the savings banks, so they could make those deals."
Property values were soaring, developers were building new projects everywhere, and loans were being made with extremely lenient underwriting and terms, with little or no down payments, based on inflated appraisals. Fraud was rampant. And many savings banks expanded into other businesses they were less familiar with.
Meanwhile, Empire and Goldome decided to pursue growth outside their traditional arenas. That meant beyond Western New York, and the only way to do that at the time was to buy failed banks in other markets that the federal government was seeking to unload at minimal cost to taxpayers.
The result was that both went on acquisition binges at the behest of bank regulators from 1980 to 1986. Goldome bought three failed banks and tripled in size within 98 days, from $3 billion to $9 billion. It also bought two healthy institutions in Florida that turned out troubled. Empire bought 13 banks in five years, growing to $8.4 billion.
Together, they gained distant operations in Florida, Texas, California and Michigan.
"It was a far-flung, disparate geography. There's not a whole lot of connectivity there. They gobbled up what was available, versus what made sense," Koelmel said. "You've seen us take a much more regionalized geographically focused approach."
They also had significant accounting shortfalls on their books, because of the enormous gap between deposits and assets in the acquired banks. Regulators allowed them to count that gap as "goodwill" and record it as an asset on their books, so they would still be solvent while that was in effect.
Then, the bubble burst.
Land values tumbled, developers and other borrowers struggled and loan losses mounted. And Congress in 1989 changed the accounting rules as part of its bailout, taking away the ability of Goldome, Empire and others to count the "goodwill" toward capital, leaving a massive hole on their balance sheets.
"What really happened with those two banks was the rules changed. They did the deals with the government, and all of a sudden they had negative net worth," said Kevin Brady, director of marketing at Evans, and a former Empire banker.
The result of all of these factors were the failures of Goldome and Empire, as well as hundreds of other banks during the savings and loan crisis.
Fast-forward two decade, and it seems familiar.
"Bankers tend to repeat themselves. They're like the lemmings that follow each other," Sidoni said. "The ones that don't are the ones that survive."
In the late 1980s, major banking, insurance, and securities firms complained that Depression-era rules hindered their ability to compete globally. In 1998, Congress, under pressure from the industries, did away with regulations separating the three industries. That allowed banks to move heavily into investment banking and capital markets, including the packaging, marketing and sale of mortgage-backed securities and complex derivatives.
Meanwhile, the residential real estate market boomed over the next decade, as home prices soared across the country. Mortgage brokers and lenders, eager for more profits and growth, aggressively marketed products with lax underwriting, based on inflated property values, with no documentation and without regard to a borrower's ability to repay. Banks and Wall Street, equally eager for profits, sold the loans to investors, while pressuring the mortgage pipeline for more.
Again, in 2007 and 2008, the bubble burst. Property values plummetted, borrowers defaulted on mortgages they couldn't afford and couldn't refinance, losses mounted, and bank capital levels tumbled, leading to hundreds of bank failures over the next few years.
"If you take too much risk for not enough reward, no surprise, it's not sustainable. It doesn't work," Koelmel said. "Surprise, surprise, you end up paying the same price today that you did 20 years ago. If it didn't work then, there's a high probability it's not going to work today."
The difference this time: No banks in Western New York failed, mainly because none had strayed the way others did this time around. In part, that's a result of Western New York's own economy and housing market, which remained stable through the recent crisis. The Goldome and Empire collapses also shaped their views.
"The wisdom of experience allows us to sense opportunity, but also to avoid mistakes, in part because we might well have made them before and learned from them," Wilmers said in his annual shareholders message last year.
email: firstname.lastname@example.com


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In thirty years Calzedonia has created a worldwide sales network characterized by passionate people and continuous innovation.
Every future new market that we will explore and every new store that we will open in the world will be a great opportunity to put yourself to the test on a international context.
Young, international and fast growing: this is Calzedonia! We are looking for young people with great passion for fashion and retail, actors and not spectators!


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Golden Rule Project, together with Steffan Soule, the Golden Rule Magician, finished our February 2019 tour and this time we were able to accomplish some incredible milestones!
First milestone accomplished was that we visited Daggett County for the first time! We were able to bring the "Attention, Magic, and the Golden Rule" magic assembly to Flaming Gorge Elementary School in Dutch John, UT and Manila Elementary and Junior High School in Manila, UT as well as whoever else that lived in the area, and wanted to come see the show. We had an incredible time connecting with the community by bringing the message of the Golden Rule to them. We were lucky to be in such beautiful country, too.
We asked some of the teachers and principals right after watching the assembly their thoughts about the presentation. Here's what they have to say:
The magic assembly was performed 18 times this tour!
Most schools were along the Wasatch Front, but we are always looking to bring the assembly to more rural counties like Daggett! So please, help us out to spread the message of the Golden Rule far and wide!
The second milestone for the GRP magic assembly is that after this tour, over 100,000 students have been reminded of the Golden Rule by watching "Attention, Magic, and the Golden Rule".
We want to thank every school that has ever hosted the magic assembly since 2013!
Since 2013, the magic assembly has been in 18 counties in Utah, 2 states: Utah and Maine, has been seen by over 100,000 students!
We thank the many foundations that have supported the assembly through the years by awarding Golden Rule Project grants to make this possible! Thank you!


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Be wary of any payday loan company that is not completely up front with their interest rates and fees, as well as the timetable for repayment. If you find a company that refuses to give you this information right away, there is a high chance that it is a scam, and you can wind up with a lot of fees and charges that you were not expecting.
If you do not know much about a payday loan but are in desperate need of one, you may want to consult with a loan expert. This could even be a friend, co-worker, or family member. You want to make sure you are not getting ripped off, and that you know what you are getting into.
Many payday loan lenders will advertise that they will not reject your application due to your credit score. Many times, this is right. However, be sure to look into the amount of interest, they are charging you. The interest rates will vary according to your credit score. If your credit score is bad, get ready for a higher interest rate.
If you're looking for a cheap payday loan, try and find one that is directly from the lender. Indirect loans have really horrible fees that are impossible to pay back, they do this so they can make money.
Check with the BBB online to verify that any payday lender you have in mind is on the up-and-up. The payday loan industry has a few good players, but a lot of them are miscreants, so do your research. If you find complaints on the site, take note of the response from the lender.
Avoid taking out a payday loan unless it is really an emergency. The amount that you pay in interest is very large on these types of loans, so it is not worth it if you are getting one for an everyday reason. Get a bank loan if it is something that can wait for a while.
Always read the fine print for a payday loan. Some companies charge fees or a penalty if you pay the loan back early. Others charge a fee if you have to roll the loan over to your next pay period. These are the most common, but they may charge other hidden fees or even increase the interest rate if you do not pay on time.
Rather than walking into a store-front payday loan center, look online. If you go into a loan store, you have no other rates to compare against, and the people, there will do anything they can, not to let you leave until they sign you up for a loan. Log on to the internet and do the necessary research to find the lowest interest rate loans before you walk in. You can also find online providers that will match you with payday lenders in your area..
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As many people have often lamented, Sovereign Advance Information are a tough thing to understand and can often cause people lots of problems when they learn how high the interests' payments are. However, you can take control of your payday advances by using the advice and information provided in the article above.
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- Showing rooms from hotel
- PHOENIX SUN HOTEL, Gumbet
- Flight found
- PHOENIX SUN HOTEL, Gumbet
- edit
At a Glance
Board basis explained
Board basis explained
...means that included in the price are all main meals, most drinks, which tend to be local varieties available during bar opening hours.
...means that breakfast, lunch and evening meals, are included in the price.
...means that your breakfast and evening meal is included in the price. In some cases you can choose to receive lunch instead of breakfast - the hotel will confirm this upon arrival.
...means that breakfast is included in the price.
...means that no meals or drinks are included in the price, but you will be provided with catering facilities in your accommodation to cook light meals.
...means that no meals or drinks are included in the price.
General Information:
PHOENIX SUN HOTEL is located in Gumbet, in southwest Turkey, known for its resort lined beach, nightlife and traditional Aegean cuisine. It lies just 2km away from Bodrum centre and 300m from many public and private beaches. Bodrum City Center, Bodrum Windmills, Oasis Mall, Myndos Gate, Bardakci Beach, Bodrum Amphitheatre, Mausoleum at Halicarnassus, Bodrum Marina, Bodrum Castle, Museum of Underwater Archaeology, Bodrum Ferry Terminal, are some of the worth visiting places located within 15 minutes drive from the hotel.
Hotel Information:
This 4-star accommodation offers a wide range of facilities like free Wi-Fi, an outdoor swimming pool with 1 slide, kids pool, restaurant, bar, private beach, gym, spa and wellness centre, free parking, free breakfast, laundry service, etc. The hotel also organizes entertainment and sports activities like table tennis, tennis, water slides, daytime animation, darts, billiards, cinema, disco, bowling, children's playgrounds and mini clubs. The on-site spa and wellness centre offers various services like Turkish bath, sauna, therapeutic massages, etc. for complete relaxation and rejuvenation of body, mind and soul. There is an on-site all inclusive restaurant and bar.
PHOENIX SUN HOTEL offers the following to its guests in its all-inclusive package:
Food and Drinks:
The main restaurant serves:
· Breakfast: 08:00 - 10:00
· Late Breakfast : 10:00 – 11:00
· Snacks : 11:00 - 17:00
· Lunch : 12:30 - 14:00
· Tea time : 17:00 - 18:00
· Dinner : 19:00 - 21:00
· Night Soup : 24:00 – 01:00
· All local alcoholic and non-alcoholic drinks, soft drinks, beer, wine, etc. are served at the main bar from 10:00 - 24:00.
Entertainment and activities:
· Mini club, Animation, Turkish bath, Sauna, Fitness Center, Tennis, Table tennis, Billiards are included in all-inclusive package.
Room Information:
PHOENIX SUN HOTEL offers 221 accommodation units available as Economic, Family and Standard rooms. These rooms feature a French balcony with stunning views of the sea or garden. The bedrooms are spacious and come with a French bed or two single beds and en-suite marble bathroom with shower or bathtub, bath amenities and robes. All rooms are equipped with free Wi-Fi, air conditioning, satellite TV, phone, arm chair, work desk, coffee table, laundry, etc. Family rooms comprise of two interconnected rooms.
Help with hotel, flight or payment?
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Hotel facilities
Pool and Wellness
- Gym
- Swimming Pool - Kids
- Swimming Pool - Outdoor
- Swimming Pool - Indoor
- Sauna
- Hair salon
- Tennis on site
- Billiards or pool table
- Kids Club
Services & Shops
- Currency exchange
- Dry cleaning/laundry service
General Info
- 24-hour front desk
Room facilities
Internet, TV & Phone
- Phone
Rooms & Comfort
- Balcony
- Air conditioning
Attractions Nearby
- Bodrum Windmills 0.43 miles
- Bardakci Beach 0.48 miles
- Bardakci Bay 0.52 miles
- Myndos Gate 0.59 miles
- Oasis Mall 0.73 miles
- Bodrum Marina 0.81 miles
- Mausoleum at Halicarnassus 1.01 miles
- Bodrum Amphitheatre 1.01 miles
- Bodrum Ferry Terminal 1.09 miles
- Museum of Underwater Archaeology 1.10 miles
- French Tower 1.15 miles
- Bodrum Castle 1.15 miles
- Bodrum Maritime Museum 1.31 miles
- Bodrum Farmers' Market 1.52 miles
- Bodrum Beach 1.60 miles
- Bitez Beach 1.70 miles
- Zeki Muren Arts Museum 1.71 miles
- Pedasa Ruins 2.57 miles
- Bodrum Dedeman Aquapark 3.18 miles
- Midtown Shopping Center 3.23 miles
- at_a_glance_airport Imsik BXN
Resort Info
Gumbet, Bodrum
PHOENIX SUN HOTEL Reviews
- Customer Reviews
- TripAdvisor Reviews
Add a review
22 July 2018
Fun and fab for families in a welcome to Turkey way!!!
Heather , Glasgow, Scotland
We had a great fortnight hear and would have stayed longer! The pool is brilliant and the slide is amazing! Like mini rapids! So prepared to get hurled around. The balcony at the bar is so pretty to sit at. Looks over the whole town. Very relaxing. My family enjoyed the daily pool games, water polo and aerobics. Always brought a bit of competition and a laugh. Some night time entertainment was fun too. The team try hard with Ginger Boy (Lasha) leading the way....always energetic!!! The Turkish Bath is well worth the visit. Very good value for money compared to what you would pay in the UK. Our room was very spacious with comfortable beds. Clean too. Generally the hotel is spacious and the staff were friendly and responded well if you make the effort with them as many have limited English. Would I go back? Definitely!! However there are lots of little issues as I believe the owners are not putting the money back into what could be a 4/5 star place. More variety of drinks is needed at the bar and more stock as sometimes they ran out. They need ice machines. Little things around the apartments like broken handles, fridges that aren't cold enough. Broken sun loungers. If you can accept the 'Welcome to Turkey' ....it is what it is...and relax about such things and acknowledge the price you are paying then you will have fun here! The food is nice but very much their cuisine. Always something to eat if you are happy and willing to try different foods. Burgers and chips available from 11 till 5 at the pool. Location is excellent. Handy for shops, restaurants and the beach. WiFi in the lobby and the nearest restaurant...Shanghai is fab! Spikey meets you at the door. Makes a point of remembering your name and always makes you feel welcome. Good prices and free WiFi. Night and day manager were helpful and friendly to myself and my family. Service can be slow and sometimes some staff have a very complacent manner.
The best thing about my stay was...Having fun by the pool, relaxing on the balcony and generally feeling welcomed!
22 July 2014
Wonderful holiday
Tamas Dancs, Komárom, Hungary
I've been here for 12 days with my family (2 adults and 2 children) Upon arrival, the first time we got a double room, but five minutes later, the family room has! :-) The staff was very friendly and helpful!:-) The staff was very friendly and helpful! We were very pleased. The food was delicious. Full-day animation made sure not to get bored. The beach is a short walk away. There are many steps, but at least it was moving picked up in excess of meals! :-) However, the cleaning and the purity was not suitable for us. The pools were also very pleasant. The kids loved the slide. Overall, it was a pleasant our holiday!
The best thing about my stay was...The food and the pool
27 June 2014
I love palm gardens
Courtney , Hereford england
I've been staying in palm gardens for 6 years now, and I can honestly say it the most amazing place I've ever been, the staff there are like my family, all so friendly and always want to make your holiday special, the entertainment is basically 24hours, I couldn't ask for better, the food is very nice, depending on what you like, yes fair enough it's like a fancy 5 course meal in a posh restaurant, but it's nice, a variety of foods for all ages, the location is perfect for if you like to party, it's like a 5 min walk from bar street, but even though you're so close I couldn't hear the music! This hotel does have many steps, but also there is some ramps, but there are many steps! Apart from that this hotel is the best, I love it! It's great for teenagers, young children, but wouldn't say it's for an old couple!
The best thing about my stay was...Everything?
12 June 2014
Well worth the money
Diane U, Birmingham
The service at this hotel is exceptional, they really go out of their way to make your stay a good one. The food is amazing and our room was lovely and clean. The entertainment staff are very entertaining. All in all a really enjoyable holiday. I will be going back next year.
The best thing about my stay was...The pool area is lovely and the staff were great
11 June 2014
not safe they pinch money outof the rooms
david/england, cornwall
Do NOT trust them they have stollen money out of my room when i complained they werent concerned really think theyre in on it together. Room was overlooking a tree had no view at all. Too many steps good job i wasnt old . Lights didnt work in the night so was dangerous. Shower was cold. Near shops and bars so location was good but thats all. Looks better than what it is.
The best thing about my stay was...nightlife in the bars
11 June 2014
thieving load of b.......
ceri gough, wales
Rooms were filthhy had £300 pinched out of a locked suitcase when complained about it had a very frosty reception off the manager which basically meant i wouldnt have a cat in hells chance of getting it back x we asked for adjoining rooms with our friends and ended up in the next block. Food was very bland. If your going there please be very careful with your valuables the maids are very light fingered
The best thing about my stay was...the checking out
22 May 2012
Great value for money
Chris, Tywyn, Mid Wales
We arrived just after the restaurant was closeing but we were taken directly there and served with a smile. Room (0n same level as reception) was clean with double and single bed so ample room. When we had a problem with a leak from the basin tap it was repaired that day, as was water problems that our daughter and partner experienced in their room. Food was good, varied and plentiful. It was quiet as we arrived in the second week of May but livened up when approx 120 young Turkish students arrived for three days - this did not spoil our holiday, although queueing was alien to them. We ate out on three nights,but not because we were dissatisfied with the hotel food, just for variety. We are hoping to return.
The best thing about my stay was...The restaurant staff
09 September 2011
Horrible - DO NOT GO THERE
Mohamad and Nivine, Greve, Denmark
We stayed at this hotel from the 28.-30 aug. 2011. We had reserved a family room, but got a single with extra beds. We were 4 persons - 2 adults and two children. They had no baby cot. The bathroom was horrible. The dusch did not funktion. It was dirty and there was no shampoo? We got only two towels and two more after 4 calls. There All-inclusive is realy a joke. The worst hotel in my life - I have visited more than 200 hotels. Do`nt do it.
21 July 2010
turkey YES palm garden NO
Mrs Mair, Aberdeen
palm garden hotel is definately not a 4 star hotel some of the rooms are not even fit for a dog we had 3 room changes the first was like a dungeon room 157 my little girl was so scared to stay there that she cried. We went up the many steps to reception to ask for another room to be told the hotel is full but luckily there was one room but it was being cleaned we went to have a look and it was a little bit better not much but a little no tele no fridge but there was air con. by thursday 2 days into our holiday this room 242 didnt have electric and was told it would take about 2 hours to fix so the manager gave us another room 407 which was heaven compared to the other 2 slums. restaurant is okay only 5 cooked dishes to pick from childrens buffet only 2 to pick from the main pool well we were there for 1 week and never got a sunlouger there that is where the snack and juice bar is people set their alarms at 5.30 and put towels on loungers then go back to their bed or go on trips we went to the other pool but when you need juice and snacks you have to walk a bit to get your stuff and carry it back and steps well i hope you like steps as there is no lift at all and you have to climb loads of steps when you first arrive there a bellboy will help you down the steps but when its time to go you have to climb the steps with your luggage yourself to the top where the main reception is not many of the staff speak english so it can be quite hard to get them to understand. the only good thing about this hotel is the location it is nice and central and you go down the steps and your on to the main street with plenty of shops. the shopkeepers are very friendly and once you get to know them can do you some great deals. I would go back to gumbet but would not stay at the palm garden hotel there is definatly better hotels out there. the main part of the hotel is nice but the rooms need knocking down and rebuilt they are so horrible.
The best thing about my stay was...turkish bath in the hotel see justin
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Nordic countries support India's UNSC membership bid
Stockholm, April 18
India is a strong candidate for a permanent seat in a reformed UN Security Council, according to a joint statement issued here after the first Indo-Nordic Summit.
"The Nordic countries agree that India is a strong candidate for a permanent seat in a reformed Security Council expanded with both permanent and non-permanent members," said the statement issued late Tuesday.
The Nordic countries and India reaffirmed the need for the Council's reform, including its expansion in both permanent and non-permanent seats to make it more representative, accountable, effective and responsive to the realities of the 21st century.
"The Nordic countries welcomed India's application for membership of the Nuclear Suppliers' Group and reaffirmed their commitment to work constructively within the Group with the aim of reaching a positive outcome at the earliest opportunity," it said.
Prime Minister Narendra Modi along with his counterparts from the five Nordic countries—Sweden, Denmark, Iceland, Norway, Finland—have reaffirmed their support for the UN and the Secretary-General's reform efforts to ensure a world body fit to support member states to deliver on Agenda 2030.
India and the Nordic nations also agreed to deepen cooperation on issues related to global security, economic growth, innovation and climate change at the Summit which was attended by Modi during his visit here.
"The Summit emphasised India's strong commitment to innovation and digital initiatives as key to prosperity and sustainable development, with national flagship programmes such as Make in India, Startup India, Digital India and Clean India," said the statement.
The Prime Ministers acknowledged that terrorism and violent extremism were the major challenges for the international community.
The leaders discussed global security, including cyber security, based on their shared values of human rights, democracy and the rule of law.
They noted that women's full and meaningful participation in political, social and economic life is key to inclusive development and agreed to promote the empowerment of women.
India signed MoUs in the areas of urban development, animal husbandry and dairying, food safety and agricultural research and education with Denmark and it signed an MoU with Iceland on the establishment of an ICCR Chair for Hindi language between the Indian Council for Cultural Relations and the University of Iceland.


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Authentic Alpinestars Effortless Pique Polo Shirt Brand new with tags still attached. In perfect condition (no flaws). Size: Medium Colour: Heather Grey Material: 100%, Cotton, 200 gsm Features: Updated classic polo shirt in premium soft pique Classic 2 button placket, rib collar and cuffs Modern back yoke, and front chest high density rubber logo Internal and external labelling Actual Measurements of Shirt: Armpit to armpit laying flat: 54cm Shoulders across (laying flat): 44cm Length (back of neck to hem at bottom of shirt): 76cm Above are the exact measurements for you to compare with measurements you have taken of a shirt you own that fits you well. I will not accept returns that say it doesn't fit - you must ensure it fits using the above measurements to save us both time and money. I want to make sure you are a happy customer Check out my other items for sale - happy to combine postage for multiple items. Let me know if you would like any measurements or if you have any further questions about this amazing item! I post your item within 24 hours of receiving full payment for very quick delivery. Happy shopping!Please read descriptions carefully and see photos. All photos are taken in natural light and colors of items are described as closely as possible, please see all photos and feel free to ask any questions you might have related to measurements, colors or conditions. Thank you!
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Unifi net sales for the third quarter ended March 29, 2009 were $119.1 million, which represents a $50.7 million decrease from net sales of $169.8 million for the prior year March quarter. Net sales were negatively impacted by the cumulative effect of year-over-year declines in retail sales since October 2008 caused by the global recession. Volume was further impacted by reduced production levels throughout the textile supply chain as excess inventory was depleted.
For the March quarter, net loss was $33.0 million or 53 cents per share, which compares to net income of $12 thousand in the prior March quarter. Results for the current quarter were negatively impacted by a non-cash charge of $18.6 million to write-off the carrying value of goodwill associated with the company's acquisition of Dillon Yarns in 2007. The decrease in the current quarter was also related to the utilization of higher priced raw materials from the December quarter and the impact of unabsorbed converting costs associated with reduced production volume.
Cash-on-hand at the end of the March 2009 quarter was $23.5 million, which is an increase of $10.9 million from cash-on-hand at the end of the December 2008 quarter and is a result of aggressive working capital management both domestically and in Brazil. Total cash and cash equivalents at the end of March, including restricted cash, were $39.5 million compared to $32.4 million at the end of December. At the end of the March quarter, long-term debt was $192.0 million, and there were no borrowings under the Company's bank credit facility.
As previously announced on April 3rd, the company successfully completed the tender offer for $8.8 million aggregate principal amount of its 11.5% senior secured notes due in 2014. Additionally, on March 31, 2009, the company announced it closed on the sale and, subsequent to quarter end, received $9 million in proceeds related to its 50% ownership interest in Yihua Unifi Fibre Industry Co., Ltd., the Company's former joint venture in China with Sinopec Yizheng Chemical Fiber Co., Ltd.
"Retail sales in our primary end-use segments remained soft in the March quarter and the impact on our demand was compounded by the retail supply chain working through its excessive inventory levels," said Ron Smith, CFO for Unifi. "Accordingly, the company focused much of its efforts during the quarter on liquidity and cash generation, freeing up $25.5 million of working capital committed to inventory through decreased raw material purchases and production levels well below sales volumes. The company was also able to begin recapturing lost conversion margin from 2008, as raw material prices returned to more normalized levels."
Net sales for the first nine months of fiscal 2009 were $413.8 million compared to net sales of $523.7 million for the prior year period. Net loss for the first nine months of fiscal 2009 was $42.7 million or $0.69 per share compared to a net loss of $16.9 million or $0.28 per share for the same prior year period.
Bill Jasper, President and CEO of Unifi, said, "As anticipated, the March quarter was a challenging one, as we continued to manage through a weak market. However, by staying focused on the continuous improvement of our costs and operational efficiencies, market share growth and product mix enhancements, we have achieved fundamental improvements in our underlying business. When combined, we have realized annualized savings of more than $25 million from these initiatives, thereby substantially reducing the volume levels required to operate our business profitably, once economic conditions improve. In this difficult environment, we will continue managing our cash, and we anticipate further balance sheet improvements in the upcoming quarters. We expect this recession will be long and the recovery will be slow, but we have positioned ourselves well and are in a much better position to weather the storm than we were just a year ago. We expect to see gradual improvement in our business through the current quarter and the first half of our 2010 fiscal year. We will stay the course and remain committed as an organization to operational excellence, margin improvement, global growth and the on-going development and commercialization of new and innovative products."
(Unaudited) (In Thousands Expect Per Share Data)
For the Quarters Ended For the Nine-Months Ended
———————– ————————-
March 29, March 23, March 29, March 23,
2009 2008 2009 2008
Summary of Operations:
Net sales $119,094 $169,836 $413,830 523,741
Cost of sales 118,722 156,404 397,721 490,996
(recoveries) 293 (2,199) 293 4,638
Write down of long-
lived assets – – – 2,780
Goodwill impairment 18,580 – 18,580 –
Selling, general &
expenses 9,507 10,080 29,356 36,542
Provision for bad
debts 735 87 1,794 152
Other operating
(income) expense,
net (89) (897) (5,862) (4,087)
Non-operating (income)
Interest income (656) (651) (2,249) (2,231)
Interest expense 5,879 6,308 17,592 19,598
Equity in earnings
of unconsolidated
affiliates (825) (757) (4,469) (914)
Write down of
investment in
affiliates – – 1,483 4,505
Income (loss)
from continuing
operations before
income taxes (33,052) 1,461 (40,409) (28,238)
Provision (benefit)
from income taxes (101) 1,394 2,398 (11,294)
Income (loss)
from continuing
operations (32,951) 67 (42,807) (16,944)
Income (loss) from
operations, net of
tax (45) (55) 67 22
(loss) $(32,996) $12 $(42,740) (16,922)
Loss per common
share (basic and
Net loss –
operations $(0.53) $- $(0.69) $(0.28)
Net loss –
operations – – – –
Net loss
diluted $(0.53) $- $(0.69) (0.28)
Weighted average
basic and diluted
shares outstanding 62,057 60,589 61,740 60,560


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Win a $500 Amazon gift card, AWS DeepRacer, AWS Deeplens, + more by building an Alexa skill! Register here: https://awseducate.devpost.com
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Published: December 25, 2018 17:08:18 | Updated: December 29, 2018 21:37:52
BNP on Tuesday voiced frustration over the 'growing' incidents of violence across the country, even after the army deployment.
Speaking at a press conference at the party's Nayapaltan central office, BNP senior joint secretary general Ruhul Kabir Rizvi also said their party leaders and activists were attacked by ruling party men and police in 28 constituencies, injuring over a hundred people, including 19 candidates, on Monday.
"Yesterday (Monday) was the most violent day. Police and ruling party cadres attacked the rallies and campaigns in favour of Sheaf of Paddy at different parts of the country," he said.
The BNP leader further said, "The situation didn't improve, even after the deployment of army. We had expected that the situation would improve with their deployment...we call upon them to take steps for ensuring a peaceful election atmosphere."
He alleged that the situation has turned so worse that police have started spraying bullets on opposition leaders and activists. "Police used to charge batons in the past and hardly used ammunition, but now they are firing shots on the leaders and activists of Sheaf of Paddy' instead of charging batons."
The BNP candidates who came under attack on Monday include Moudud Ahmed in Noakhali, Shaheed Uddin Chowdhury Annie in Lakshmipur, Abdul Moyeen Khan in Narsingdi, Hafizuddin Ahmed in Bhola, Miah Nuruddin Apu in Shariatpur, Sunsila Jabrin Priyanka in Sherpur and Akhtaruzzaman and Shariful Alam in Kishoreganj, reports UNB.
Rizvi said the ruling party men are becoming desperate, and taking preparations to 'capture polling stations to rig votes' on December 30.
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text:
Four-card poker is played against the dealer, and each player is dealt five cards to make the best four-card hand possible. Play four-card poker, where the dealer is dealt six cards to choose from, with instructions from an experienced card player in this free video on poker games.
Expert: Dean Hale
Contact: www.wearehdtv.com
Bio: Dean Hale has been playing board games and card games for over three decades. Hale and his family spend a lot of quality time playing games.
Filmmaker: Christopher Rokosz
49 Likes, 46 Dislikes, 65688 Views, 14 Comments
Jim LeBoeuf Says:
Aug 21, 2019 - anyone playing 4 card poker is nuts...the odds are so stacked...find a crazy 4 poker game...the dealer only gets 5 cards instead of 6...that is a huge odds difference right there...also dealer only needs king high to qualify...another huge odds swing.
Bigga Winna Crapsa Says:
Nov 3, 2018 - Less than 3 seconds in and the guy already fucks up!! lol A new record. Hint: learn the name of the game you're teaching before posting a video on it, so that you don't come off sounding like an ignorant moron.
zakkrick Says:
Jul 30, 2018 - I only play for the bad beat,
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Feb 4, 2018 - Enjoy #4CardPoker on your mobile just like real Casino..
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dansavestheday Says:
Jan 27, 2014 - It would be better if he also show how to play the game by showing an example as he explains
carlton lau Says:
May 4, 2013 - totally bull shit talk, who doesn't know the rank of poker
njdanny1 Says:
Apr 20, 2013 - this tutorial suck
Queen Asha Noor Says:
Jan 10, 2012 - next time could you show a few games for a examples ...this wasn't helpful at all the dealer could have told anyone this !!
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