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Concrete Top Table
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Concrete Top Table was posted at February 19, 2019 at 7:47 pm. It is published at the Table category. Concrete Top Table is labelled with Concrete Top Table, Concrete, Top, Table..
Concretecon•crete (kon′krēt, kong′-, kon krēt′, kong- for 1–10, 11, 14, 15; kon krēt′, kong- for 12, 13),USA pronunciation adj., n., v., -cret•ed, -cret•ing.
- constituting an actual thing or instance;
real: a concrete proof of his sincerity.
- pertaining to or concerned with realities or actual instances rather than abstractions;
particular (opposed to general): concrete ideas.
- representing or applied to an actual substance or thing, as opposed to an abstract quality: The words "cat,'' "water,'' and "teacher'' are concrete, whereas the words "truth,'' "excellence,'' and "adulthood'' are abstract.
- made of concrete: a concrete pavement.
- formed by coalescence of separate particles into a mass;
united in a coagulated, condensed, or solid mass or state.
- an artificial, stonelike material used for various structural purposes, made by mixing cement and various aggregates, as sand, pebbles, gravel, or shale, with water and allowing the mixture to harden. Cf. reinforced concrete.
- any of various other artificial building or paving materials, as those containing tar.
- a concrete idea or term;
a word or notion having an actual or existent thing or instance as its referent.
- a mass formed by coalescence or concretion of particles of matter.
- set or cast in concrete, to put (something) in final form;
finalize so as to prevent change or reversal: The basic agreement sets in concrete certain policies.
- to treat or lay with concrete: to concrete a sidewalk.
- to form into a mass by coalescence of particles;
render solid.
- to make real, tangible, or particular.
con•crete′ly, adv.
- to coalesce into a mass;
become solid;
- to use or apply concrete.
con•crete′ness, n.
con•cre′tive, adj.
con•cre′tive•ly, adv.
Toptop1 (top),USA pronunciation n., adj., v., topped, top•ping.
- the highest or loftiest point or part of anything;
- the uppermost or upper part, surface, etc., of anything.
- the higher end of anything on a slope.
- [Brit.]
- a part considered as higher: the top of the street.
- high gear of an automobile.
- tops,
- the part of a plant that grows above ground, esp. of an edible root.
- one of the tender tips of the branches or shoots of plants.
- the part of anything that is first or foremost;
beginning: Let's go over it from the top again.
- the highest or leading place, position, rank, etc.: at the top of the class.
- the highest point, pitch, or degree: to talk at the top of one's voice.
- a person or thing that occupies the highest or leading position.
- the best or choicest part: the top of all creation.
- a covering or lid, as of a container or vehicle.
- the head.
- any of various outer garments for the upper body, as a blouse, shirt, or sweater: a sale on cotton tops and shorts.
- [Naut.]a platform surrounding the head of a lower mast on a ship, and serving as a foothold, a means of extending the upper rigging, etc.
- [Chem.]the part of a mixture under distillation that volatilizes first.
- [Bridge.]
- the best card of a suit in a player's hand.
- (in duplicate bridge) the best score on a hand.
- [Sports.]
- a stroke that hits the ball above its center.
- the forward spin given to the ball by such a stroke.
- [Baseball.]
- the first half of an inning.
- the first three batters in the batting order.
- [Textiles.]
- a cluster of textile fibers, esp. tow, put on a distaff.
- a strand of the long wool fibers in sliver form, separated from noil by combing and wound into a large ball.
- a similar strand of rayon.
- [Jewelry.]crown (def. 27).
- blow one's top, [Informal.]
- to become enraged;
lose one's temper.
- to go mad;
become insane: He must have blown his top to make such a fool of himself.
- off the top of one's head, [Informal.]See head (def. 56).
- on top, successful;
dominant: to stay on top.
- on top of:
- over or upon.
- in addition to;
over and above.
- close upon;
following upon: Gale winds came on top of the floods.
- in complete control: on top of the problem.
- on top of the world:
- successful.
- elated: The success made her feel on top of the world.
- over the top:
- [Mil.]over the top of the parapet before a trench, as in issuing to charge against the enemy.
- surpassing a goal, quota, or limit.
- the tops, [Informal.]the most outstanding person or thing in ability, favor, etc.: As a friend, she's the tops.
- pertaining to, situated at, or forming the top;
upper: the top shelf.
- highest in degree;
greatest: to pay top prices.
- foremost, chief, or principal: to win top honors in a competition.
- to furnish with a top;
put a top on.
- to be at or constitute the top of.
- to reach the top of.
- to rise above: The sun had topped the horizon.
- to exceed in height, amount, number, etc.
- to surpass, excel, or outdo: That tops everything.
- [Theat.](in spoken dialogue) to reply in a voice of greater volume or higher pitch: King Henry must top the crowd noises in his St. Crispin's Day speech.
- to surmount with something specified: to top a sundae with whipped cream.
- to remove the top of;
prune: to top a tall tree.
- to get or leap over the top of (a fence, barrier, etc.).
- [Chem.]to distill off only the most volatile part of (a mixture).
- [Sports.]
- to strike (the ball) above its center, giving it a forward spin.
- to make (a stroke) by hitting the ball in this manner.
- to top-dress (land).
- [Obs.]to have coitus with (a woman).
- to rise aloft.
- top off:
- to climax or complete, esp. in an exceptional manner;
finish: They topped off the evening with a ferryboat ride at midnight.
- to fill (a partly full container) completely: to top off a gas tank.
- top oneself, [Chiefly Brit.]to kill oneself.
- top out:
- to finish the top of (a structure).
- to reach the highest level.
Tableta•ble (tā′bəl),USA pronunciation n., v., -bled, -bling, adj.
- an article of furniture consisting of a flat, slablike top supported on one or more legs or other supports: a kitchen table; an operating table; a pool table.
- such a piece of furniture specifically used for serving food to those seated at it.
- the food placed on a table to be eaten: She sets a good table.
- a group of persons at a table, as for a meal, game, or business transaction.
- a gaming table.
- a flat or plane surface;
a level area.
- a tableland or plateau.
- a concise list or guide: a table of contents.
- an arrangement of words, numbers, or signs, or combinations of them, as in parallel columns, to exhibit a set of facts or relations in a definite, compact, and comprehensive form;
a synopsis or scheme.
- (cap.) the constellation Mensa.
- a flat and relatively thin piece of wood, stone, metal, or other hard substance, esp. one artificially shaped for a particular purpose.
- a course or band, esp. of masonry, having a distinctive form or position.
- a distinctively treated surface on a wall.
- a smooth, flat board or slab on which inscriptions may be put.
- tables:
- the tablets on which certain collections of laws were anciently inscribed: the tables of the Decalogue.
- the laws themselves.
- the inner or outer hard layer or any of the flat bones of the skull.
- a sounding board.
- [Jewelry.]
- the upper horizontal surface of a faceted gem.
- a gem with such a surface.
- on the table, [Parl. Proc.]
- [U.S.]postponed.
- [Brit.]submitted for consideration.
- turn the tables, to cause a reversal of an existing situation, esp. with regard to gaining the upper hand over a competitor, rival, antagonist, etc.: Fortune turned the tables and we won. We turned the tables on them and undersold them by 50 percent.
- under the table:
- drunk.
- as a bribe;
secretly: She gave money under the table to get the apartment.
- wait (on) table, to work as a waiter or waitress: He worked his way through college by waiting table.Also, wait tables.
- to place (a card, money, etc.) on a table.
- to enter in or form into a table or list.
- [Parl. Proc.]
- [Chiefly U.S.]to lay aside (a proposal, resolution, etc.) for future discussion, usually with a view to postponing or shelving the matter indefinitely.
- to present (a proposal, resolution, etc.) for discussion.
ta′ble•less, adj.
- of, pertaining to, or for use on a table: a table lamp.
- suitable for serving at a table or for eating or drinking: table grapes.
Obviously, within the Concrete Top Table could enjoy a significant role. Because of the sculpture, as well as lovely, the garden also appears personality, unique, and more creative. So, to be able to define the sculpture deft such issues, the terms of that which you are considering? It's surely very important to observe. As such, the statue not only sitting in the backyard. Here are some issues you have to consider to place Concrete Top Table such as for instance.
Notice the positioning statue using the style / concept Areas. With positioning, the statue appears more tuned for the playground. Not different having a garden from oneanother. In case your yard with principle that is minimalist, make use of the same type sculpture. Example barrel-molded statue ornaments or minimal designs. Or, work with a pitcher sculpture digging nan nominal deviation. Another example, if your garden in style that is conventional, spot the sculpture can be a traditional style. Like Javanese puppet figurines. The exotic gardens also should Balinese statue Balinese design.
Assessment of Superior Note Sculpture by Size space. The reason is still the same with the next point: someone to become in considering the sculpture more adaptable. In this case, the gap between the room's statue, ascertain sculpture that is superior is limited by the maximum. For instance, if the length involving the statue with a rooftop only 3 meters away, an attempt so that a maximum of only 1 meter-high sculpture.
Alter the size of the keeping the sculpture by Location. A little statue can be located to the fringe of the footpath yard or in between your plants. Meanwhile, sculptures that were bigger may be put in the park's heart or the spot
With carvings like the sculpture is an ingredient that could form the classic-style outside and inside the step Concrete Top Table is abundant, is no exception to garden. The place of sculpture inside the park was initially emblematic and is generally only made-of rock. But along with modern sculpture's development, then your works of sculpture becomes progressively diverse, both the materials and the appearance utilized in point together with the advancement of technology and advent of new supplies, for example white cement.
Note the Gap Between Your bedroom with sculpture. The best, a specific length is case patio between your statue of the area where the sculpture looked-for. Thus, the statue is considered from the bedroom easily. If the mileage of the statue with the space also near or distant, the mobility of watch is obviously tough to acquire. Simply for illustration, the length between your area with the statue ought to be substantial enough.
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Summer season automotive shows and cruise nights are nicely underway for 2014. By studying most online purchasing developments and auction websites, you'll find that books and DVDs are probably the bestsellers, but the chance to make a lot of money by means of these is virtually not possible. The consumers more hints get these things to promote on-line cheaper than they would available in the market, but the drawback is that there are no assurances in regards to the high quality and the state of the item in query. Journey reservations, automotive bookings, airline tickets and lodge reservations comprised 21% of this whole. The most apparent distinction notable in BMW and Audi vehicles is the automotive grill.
Susie Morton, who was deemed his heir, was in possession of a few of Ball's memorabilia, together with jewelry, love letters, awards and other private gadgets, and determined in 2010 to public sale it off. Incensed, Lucie Arnaz Luckinbill, Ball's daughter with first husband Desi Arnaz, claimed the objects headed for the public sale block had been rightfullyLuckinbill won on a authorized basis, but Los Angeles Superior Courtroom Decide Robert 'Brien agreed to block the sale provided that she might put up a $250,000 bond. This domination displays the entire rare car marketplace. This provides a wicked distinctive type to your already distinctive car.
The ring is the place the car is parked throughout the actual auction. There is no assure that a automobile will obtain a bid at an public sale. The corporate performing the auction continues to be out to make cash and can charge a payment to any vendor published here whose car doesn't receive a bid above absolutely the low or a car that receives no bids at all. A recon car at a automobile auction is one which has been reconditioned. Reconditioning means the car has acquired mechanical or cosmetic repair previous to the public sale to get it ready to promote.
This Power Wheels Cadillac Escalade youngsters' journey on motor car takes two 3 to 5 12 months outdated girls and boys for a double-the-enjoyable journey-especially should you've siblings who want each flip at the wheel to be 'their flip.' I'm talking from expertise, right here. Despite this Mini Cooper motor car not being a Power wheels mannequin, it has nice scores for a great many parents. Some brave souls (that would be us parents) have even taken a test-drive spin in this automotive.
This Power Wheels Cadillac Escalade kids' trip on motor automobile takes two three to 5 year previous boys and girls for a double-the-fun journey-particularly when you've siblings who want every flip on the wheel to be 'their flip.' I'm speaking from experience, here. Despite this Mini Cooper motor automobile not being a Energy wheels mannequin, it has great scores for a very good many mother and father. Some brave souls (that may be us mother and father) have even taken a test-drive spin in this automotive.
This group seems to have frolicked reviewing a handful of websites, and rated them in accordance with relevant criteria, like auction coverage, costs, auction steering…etc top article. You also get extra how-to data and tips on what to do and what to watch out for to maximise your savings, once you sign-up to their free auction course.
Todd's Automobile Auctions co-owner Lisa Withington says its loads more durable to auction vehicles notably because of the rise in online sale sites, comparable to Commerce Me, as well as individuals in Southland utilizing social media sites comparable to Fb to buy and sell automobiles. The northeast is a hotbed for the collector automotive business, and we finally settled on Harrisburg. We picked the best why not try these out spot as a result of they're here, and so they're not just right here from Pennsylvania, they're here from everywhere in the northeast," Mecum Auctions CEO Dave Magers stated. The most effective traditional automotive auctions are the job tons that pass by means of Anglian Car Auctions on a Saturday just about every month. Search for the automobile on-line in a government database.
Everyone seems to be eligible to bid You can simply search the car you must bid on and the positioning will information you although the remainder of the procedure. In case you are trying to purchase a automotive in auction for a really low price ¡VIn fact 80% to ninety% off!-This site might help you a lot and information you through the whole process from searching the car you want to driving it in actual. Many automobile auctions are what are often called an absolute auction. Sellers set a worth that's the least amount they are prepared to let the automotive go for, called an absolute low, and the bidding begins.
Chances are you'll be tempted to spend fairly a bit extra on the automotive in entrance of you than what it is truly price. Don't buy any automobile at the public sale unless the title is there and prepared for you. A whole lot of specialty, classic and collector autos will roll throughout the auction block Wednesday by means of Saturday at the Kay Bailey Hutchison Convention Heart. We anticipate that this auction might be a terrific success as it constantly has been since its inception 4 are speaking years in the past…" said Dana Mecum, founder and president of Mecum Auctions. Although purchasing a automobile out of state is similar to automobile procuring in your own state, there are nonetheless certain variations that it's good to be prepared for. A automobile and most different stuff, look super cool on the Internet, but beware, because not all that glitters is gold. Get all the details about the automotive from the dealer.
GM led the best way with these new compacts introducing the Buick Particular, Oldsmobile F-85 and Pontiac Tempest These car have been about 6 inches longer than the 1960 compacts.There was also a increase in aluminum engines, a pattern that lasted only a few years earlier than fading away. American Motors got here out with a newly redesigned Rambler American, a plain Jane however practical and reliable automotive. Massive automobile redesigns have this website been lead by Lincoln with its clear and chrome clear model that was 15 inches shorter than the massive Lincolns of 1958-1960. On that note, here are a number of ideas for you on automotive life expectancy. Rust and put on and tear of the automotive physique, which takes place in the middle of time. The MTBF is a time span between failures of the system of a automotive.
If you really are all for a car and the pictures online aren't sufficient to know what the automobile really is like, that is completely understandable. Auctions can have 1000′s of vehicles, and entering into unprepared could overwhelm you. The public sale will arm you with inspection reviews, however you'll need to run different checks yourself. Resolve on the utmost value you may pay earlier than the public sale starts – and then stick to it. Bear in mind to factor in hidden costs into your max: most auction homes levy a 5% buyers fee and the bidding price usually excludes VAT. Systematize registration of buyers prior to the auction. The Internet is an affordable and easy way to have patrons pre-register for the auction. Create a registration verification team that double-checks all patrons the day of the auction. A automotive like it is a rare find.
The superior technology, nice appears and computerized transmission add to the merits of this automotive. Other than making the car look luxurious and unique, there isn't any compromise on the security issue which makes it a very good purchase. Earlier than you try an online car public sale , it is best to have an thought of what you'd like, much prev like walking on to any lot when looking for a new automotive. When you're set on buying a minivan as a result of that is the family car you want, do not change plans simply because an affordable sports activities automotive captured your consideration as a substitute. Resolve in case you can have registration on the day of the public sale.
The exterior photos should present all 4 sides of the automotive; that is, the driving force's side, the rear, the passenger side, and the entrance. The reality is, there are numerous automotive auctions open to the general public just about in any city. Car auctions that are open to the public are generally universal click to read in nature. It does not cost anything to view automobiles at an auto public sale. Admission to those auto auctions is mostly free and would counsel finding another auction if it's important to pay to even attend. Some auctions even allow the viewers to start out the automobile and check below the hood.
Peter Mullin advised me, "When I saw my first customized-built French automobile about 30 years ago, a Delahaye, and for the primary time realized that engineering masterpieces is also 'sculptural rolling artwork,' I was hooked from then on, and I've passionately pursued these Art-Deco creations." A go to to the Mullin Automotive Museum is necessary for anybody who appreciates tremendous cars, wonderful artwork, the better and more refined issues in life. Kern turns into the newest in several recent online virginity auctions which have ended in a fiasco, and she says she has learned from her expertise.
Used vehicle public sale encompasses high value vehicles which are accepted and checked by mechanical professionals who double-check their presentation and efficiency. One lengthy period buying into, these public sale automobiles are finest in their functionalities. Japanese used automobile public sale shouldn't be anything but reselling of used automobiles at excessive costs. The 2010 Veyron Grand Sport, the fastest production car on this planet, clocked at 268 miles per hour.
The company's first public sale was a charity fundraiser referred to as "Fiesta de los Autos Elegante." The corporate is now well-established, and runs a number of massive "fiestas" per year, though they're no longer called fiestas. The 2011 January public home sale might be held at Westworld of Scottsdale, Arizona. The weekly Wednesday morning public sale sells each working and non-working vehicles. Yes, you possibly can preview vehicles earlier than the public sale begins.
I got here for the service, I'll come again due to the experience" I bought my dream automotive from John Justice on their opening weekend and today I met the true salesman, his identify is Nate. The Automotive was nothing much less however good and all of the paper work was in place by you to make my journey over the Canadian Border easy. Dream Makers is the very best place to take your automobile for detailing, window tinting, and service within the space. The car sold from the Maranello Rosso Assortment and stamped with chassis number '3851 GT' was the nineteenth go to the website 250 GTO Berlinetta made by Ferrari and accomplished on Sept. The eight-by-thirteen-foot painting titled "Silver Automobile Crash (Double Disaster)" depicts a twisted physique sprawled throughout a car's mangled interior. Sotheby's, which carried out the public sale Wednesday, did not immediately establish the client. The previous Warhol public sale report was set in 2007 when "Green Car Crash (Green Burning Car I)" bought for $seventy one.7 million. There are tens of millions of cars online.

subset: commoncrawl


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Samsung will launch its flagship smartphone Galaxy Note 10 in India on August 7. A dedicated page has also been created on this e-commerce website …


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Are You Looking For A Premium WoW Mythic Dungeon Boost?Well, then look no further than Leprestore's BFA mythic+ dungeons boost services! We know just how grueling and painstaking the process of finding a decent group for Mythic+ Dungeons is and that's why we decided to make things easier for you by offering our unique Mythic Plus Carry. If you're curious about the brand new Battle for Azeroth dungeons, but you don't have the time or motivation to spend a good chunk of your time searching for a group, then our Mythic Plus Boost is exactly what you need. Instead of spending many hours on end looking for a group, only to end up in a PUG group that wipes all the time and eventually disbands, you now have the one-of-a-kind chance to experience the amazing BFA endgame content in an effortless and fun way. Besides, if you're not a fan of instances, then you probably wouldn't want to bother doing the mythic dungeons yourself. This is where Leprestore's exclusive Mythic Plus Boost services come into play, as we can do the entire the entire service on our own so that you don't have to do anything but enjoy all the fat Mythic+ rewards and achievements that your character will be getting.
What Are The Benefits Of Using Our Mythic Plus Boost?Here are the main reasons why you might want to take advantage of our Mythic+ Carry Services:
- Gain access to the latest end-game content
- Your character will receive heaps cool achievements and rewards
- Save tons of time and nerves as you won't have to LFG
- Choose to use our keystone if you don't want to use yours
- The chance to reap all the benefits of Mythic+ instances, without doing all the hard work yourself
- An ideal way to prepare yourself and your character for raids
- No bots or third-party software is ever used in our services
- Highly-customizable, fast and 100% secure boost service
What Is Included In Our Mythic+ Dungeons Boost?Not only will you be getting endgame item level gear for your character, while we do all the hard work so that you don't have to, but our mythic+ carry also includes:
- You'll be getting five awesome achievements – Battle for Azeroth Keymaster, Keystone Initiate, Keystone Challenger, Keystone Conqueror, Keystone Master
- Authentic mythic+ instance runs on the selected difficulty
- Your character will receive loads of endgame gear from mythic +10 boost and mythic weekly chests
- There'll be lots of Azerite up for grabs to empower your Heart of Azeroth
- You'll receive a random number of items from the personal loot mode as well as at least 1 (up to 3) items from the weekly chest
- The item level of the drops depends on the keystone level, such as:
What Mythic+ Dungeons Are Available On Leprestore?With the official release of Battle for Azeroth, Blizzard immediately introduced 10 brand new dungeons that all players can try, spread throughout the two new continents Kul Tiras and Zandalar. Luckily for everyone that loves doing instances, Leprestore offers Mythic+ Dungeon Carry for all of the new instances, which are:
- Atal'Dazar
- Freehold
- King's Rest
- Shrine of the Storm
- Siege of Boralus
- Temple of Sethraliss
- The MOTHERLODE!!
- The Underrot
- Tol Dagor
- Waycrest Manor
Atal'Dazar CarryThis thematic instance is situated in Zuldazar and there are a total of 4 bosses inside. Once we clear Atal'Dazar for you, your character will earn the Mythic: Atal'Dazar achievement.
Freehold CarryFreehold is a dungeon located in Tiragarde Sound, where the capital city of Boralus is. There are 3 bosses in this instance and after we're done with the boosting service, your char will get a new achievement – Mythic: Freehold. You might also end up with a brand new mount called the Sharkbait's Favorite Crackers if you had enough luck on the final boss.
King's Rest RunKing's Rest can be found in Zuldazar, it has 4 bosses and players need to be attuned in order to enter. For Alliance, you have to finish the Blood in the Water chapter from the Alliance War Campaign, while Horde players have to complete the Zandalar Forever! achievement. And there's also a chance for the Mummified Raptor Skull mount to drop, although it's guaranteed that you'll be getting the King's Rest achievement.
Shrine of the Storm CarryThis dungeon is located in Stormsong Valley and it includes 4 bosses. Our authentic Shrine of the Storm boost will grant you the Mythic: Shrine of the Storm achievement and a chance to get the neat transmog set Ensemble: Vestments of the Tidesages that only drops in Mythic mode.
Siege of Boralus BoostSiege of Boralus is situated in Tiragarde Sound and it requires a particular attunement. For Alliance, The Pride of Kul Tiras has to be completed, while Horde players need to finish At the Bottom of the Sea, which is the 5th part of the Horde War Campaign. There are a total of 5 bosses inside and your character will receive the Siege of Boralus achievement when we're done with the boost.
Temple of Sethraliss RunThis dungeon location is Vol'dun and it includes a total of 4 bosses. Now, apart from getting the Mythic: Temple of Sethraliss achievement, you'll also have the chance to get the Spawn of Merektha pet that hatches from a Viable Cobra Egg, which drops from Merektha only in Mythic mode.
The MOTHERLODE!! BoostThe MOTHERLODE!! is an instance located in Kezan, although its entrance is in Zuldazar. There are 4 bosses to be killed inside and you'll not only be grabbing the Mythic: The MOTHERLODE!! achievement, but you'll also have a chance to get a special recipe called Schematic: Mecha-Mogul Mk2 that drops only in Mythic difficulty.
The Underrot CarryThis dungeon can be found in the Nazmir zone and it has 4 bosses. Using our boost services you'll have the chance to acquire the rare drop Underrot Crawg Harness epic mount that only drops in Mythic mode and your character will receive the Mythic: Underrot achievement as well.
Tol Dagor CarryTol Dagor's situated in Tiragarde Sound and there are 4 bosses in it. Apart from obtaining the Mythic: Tol Dagor achievement, if you're lucky enough you might end up getting the Filthy Slime pet from the Filthy Bucket item.
Waycrest Manor RunThis one can be found in Drustvar and there are 5 bosses in total inside this dungeon. Once we're done with running your character through Waycrest Manor, you'll receive the thematic Mythic: Waycrest Manor achievement.
What Is Required To Use Our Exclusive BFA mythic+ dungeons boost?We don't need anything particularly fancy or special from you – this is all that's required if you'd like to benefit from Leprestore's premium WoW Mythic Dungeons Boost:
- A level 120 character (we can help you to level up your character if you still don't have 120 level)
- No special gear is required (but in case you want better iLvL you can purchase BFA gearing)
- We might require small amounts of gold for consumables (flasks, food, repairs etc.) for the high-level keys
- 345 item level (or higher) if you'd like to use the Mythic+ 10 Carry (if your item level is less, you can tick the relevant option above)
What Are The Conditions Related To Our Mythic+ Carry Services?We always put our clients first and we want to offer you the best possible BFA boosting services. That's why we don't compromise on the quality of our Mythic+ Boost Services by relying on our tested and proven conditions, as we guarantee the following things:
- We will provide you with professional boosters for the duration of the service, who also have a flexible schedule for your convenience
- We are going to restore your original keybindings once we're delivered the desired service
- We won't touch any of the loot, gold or anything that your character has received during the run – everything that's dropped during our service is all yours
- We keep all of our services 100% safe and secure via VPN that matches your current location
- We never ever use any bots or third-party software
- We can livestream the service if you'd like to watch the actual boosting process (simply ask us about the current availability)
When Will The Mythic+ Boost Service Start?Regardless when you place you buy Mythic+ Service through our site, you can rest assured that we'll do our best to initiate the carry service and get it done for you as soon as we can.
- The estimated time for starting the service within 1-36 hours
It's Time To Take Advantage Of The Most Exclusive And Premium Mythic+ Boost Services!We at Leprestore take pride in offering what we believe is the best possible carry services related not only to mythic+ dungeons but to anything associated with Battle for Azeroth in general. While there might be a sea of seemingly similar BFA boost services on the internet, we put our clients first as we always strive to deliver exceptional and premium services that are:
- 100% genuine (no bots, 3rd party-software etc.)
- Completely secure
- Convenient
- Affordable


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The scarlet eye colour gene of the tephritid fruit fly: Bactrocera tryoni and the nature of two eye colour mutations.
Journal Article
A homologue of the Drosophila melanogaster eye-colour gene, scarlet (st), has been isolated from the genome of the tephritid fruit fly, Bactrocera tryoni. The comparison of the B. tryoni and D. melanogaster scarlet gene shows 71.2% and 79.3% sequence identity at the DNA and the derived amino acid level, respectively. Two allelic eye-colour mutations of B. tryoni, orange-eyes and lemon-eyes, have been recovered and found to be colocalized with the st gene. The st gene sequence in the two mutant strains has been examined for DNA sequence changes and expression levels.
Full Text
Duke Authors
Cited Authors
- Zhao, JT; Bennett, CL; Stewart, GJ; Frommer, M; Raphael, KA
Published Date
- June 2003
Published In
Volume / Issue
- 12 / 3
Start / End Page
- 263 - 269
PubMed ID
- 12752660
Pubmed Central ID
- 12752660
International Standard Serial Number (ISSN)
- 0962-1075
- eng
Conference Location
- England


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I had a medical abortion four days ago.I had a medical abortion four days ago. I've decided to share my story because when I was waiting for the appointment I began reading about other people's experiences and I found that most of those shared online were quite frightening and often very negative. In the event, I had a relatively positive experience, so I hope someone waiting for their appointment will read this and feel a little less anxious about the process. What probably helped was that I was 5 weeks pregnant, so it was pretty early, and also I didn't feel any doubt about the decision – I won't go into the details, but basically my husband and I were in complete agreement and knew it was our only real option. I took the first pill on Saturday and felt fine all day. On the Sunday I went out for lunch and had a glass of wine. When I came back I had a slight headache, which I put down to the wine, and then a little diarrhoea, but nothing major. Around 4pm, I felt a rush of liquid and so went to the loo – I was bleeding and I passed some large clots. It didn't hurt at all, just like a normal period but with more blood. The next day I went to take the second lot of pills. I told them I thought I may have passed the pregnancy the previous day, but we decided to go ahead anyway. I inserted the pills and was able to go home immediately. My husband took the day off work so he could look after me. We sat waiting for the cramps to start, but nothing happened, I just kept bleeding and passing small clots without any pain. In the end, I did a few things around the house and my husband had a nap. Four days later, I'm still bleeding heavily which is a bit inconvenient but not painful or frightening at all. Overall, the experience wasn't easy emotionally – we still feel sad about it, and the waiting period was awful – but physically the actual termination was fairly easy and not scary. In fact it was much less traumatic than I was expecting.
Editor's CommentThe experience that women have during a medical abortion varies enormously. Some find it extremely painful and traumatic, while others like you anticipate a painful experience and find it relatively easy. There don't seem to be any hard and fast rules. It sounds as though you were settled on your decision from the start and having the medical abortion at 5 weeks probably helped. I hope that you are able to process some of your painful emotions, but please call the national helpline if you need any help or support.You can call the national helpline 0300 4000 999, log on to Online advisor, or follow the link to find a centre for post abortion support in your area.
This story was sent in on 22/06/2012


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The former footballer played both for Ajax and Real Madrid, and he spoke before they are set to face off in the UEFA Champions League.
Ajax and Real Madrid will play in the UEFA Champions League Round of 16.
And for former footballer Clarence Seedorf, Los Blancos had always had a very special relationship with the competition.
"Real Madrid is the favorite because they are the defending champions and they have significant experience in the Champions League," he told Marca.
"Now this doesn't mean that they will 100% win, but Real Madrid in the Champions League are always special."
"When I lifted my first Champions League as a 19-year-old it was amazing," he explained.
"After the match, I was with my idol from when I was little, Frank Rijkaard, doing interviews with him as he was finishing his career and I was just starting mine."
"Then there were all the celebrations, with millions of people waiting for us back in Amsterdam. I didn't sleep for the whole week," he remembered after winning the European trophy with Ajax.
"The Champions League with Real Madrid was also incredible, we were a group of hungry players who had incredible motivation."
Florentino Perez believes Ramos will continue playing for a long time
"After 32 years we brought the Champions League back to Madrid," he told the Spanish media outlet.
"Everything is possible. It will be very difficult, but yes, Real Madrid can always do it."
"I'm proud and honored to have played such an important role for Real Madrid, a moment which represented the turning point for the return of the club in Europe after so many years without success," he continued.
"It's especially important when you look at what happened next with so many victories and trophies. It's a special feeling and a very rewarding one."
"The club has strengthened a lot in those years since I was there, it has become a giant off the pitch too, and I've been very happy to see that growth," he concluded.
🐲 Watch @GarethBale11's BEST @RealMadrid goals! He's scored 💯… and some of them were absolute GOLAZOS!
📺 WATCH: https://t.co/gwgadfgqVU#HalaMadrid pic.twitter.com/98IomE1UBG
— Real Madrid C.F. 🇬🇧🇺🇸 (@realmadriden) February 11, 2019


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Wirefly helps you save on cell phones and plans by offering innovative comparison tools so consumers can make educated choices. Start saving today with Wirefly!
Wirefly helps you save on Internet service by offering innovative comparison tools to compare Internet providers in your area.
Test your current internet connection with our speed test and see what services your provider can handle. Find out your download speed, upload speed, latency, and more.
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Are you planning to move? Moving homes or offices in Vinton, LA can be a big decision with a lot of moving parts (pun intended). That's where Wirefly comes in. We make it easy for you to find and compare the best moving companies in Vinton, LA, including home movers, office movers, long distance movers, international movers, and auto transport companies to make your move as simple and pain free as possible.
An "intrastate" move is a move that happens within the same state, according to moving companies, whether you're moving from one side of Vinton, LA to another or moving from one side of the state to another. When planning and negotiating your intrastate move with your moving company, remember this tip to keep your move local. If the moving company crosses a state line for any reason, whether this is planned or accidental, then your move falls under the guidelines for long distance moving.
Even though your move isn't technically long distance, you'll still have to plan for the same kinds of logistical issues as if you were moving to a new state. In either case, you'll still want to do thorough research in order to reassure yourself that you're choosing a dependable moving company with a solid reputation that will offer you the best moving services for your money. Some of these logistics concerns include: Does your moving budget cover the costs for everything that will be involved in your move? Have you compared quotes from different moving services companies located in the Vinton, LA area? Is the moving service you're hiring fully insured and licensed in your state? Which size moving truck (or trucks) will you need? Will you be packing your own belongings or hiring the moving service to do this? Will you need to rent a storage facility to temporarily store your belongings in your new location? Wirefly can help you answer all of the questions on your checklist. If you work with Wirefly, then you know your moving company will be fully licensed and insured.
Unfortunately, even crossing one state line qualifies your move as a long-distance move. This even includes moving within your state but crossing the state line for a shorter route option. It's important that you communicate with your movers that you refuse to pass over your state line since they can use this as a tactic to charge you higher service charges.
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Although Wirefly only works with responsible professional movers who are properly licensed and insured, we always instruct our customers to do plenty of research before they undergo the hiring process. No matter what type of documentation they provide, it's important to look up their records that contain complaint and accident reports through the USDOT site.
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Even if a moving company offers a great quote, they may not have the best reviews, which makes it important to get a number of referrals from every company you contact. Plus, some companies in Vinton, LA may generally not be the best fit your needs. For example: If you need help packing your belongings, certain moving companies will charge you more for their services. Since this is common practice, you should always ask for a binding moving estimate. This way, there will be no extra cost to you when moving.
It's never easy for consumers to uproot their lives and relocate to an entirely new country. While there are many difficulties involved, the biggest is finding a way to get their belongings moved internationally. Just finding a reputable international moving company in Vinton, LA that can handle every aspect of the move is a hurdle in and of itself. But Wirefly makes the process much simpler for consumers who need to move across a border or overseas.
If a moving company is based outside the United States, it needs to be in good standing with FIDI, which is the largest global alliance that covers the international moving and relocation industry. This is so FIDI will have that moving company under its banner as an Accredited International Mover. While a moving company that is accredited by FIDI is a good sign, consumers should also check companies out on other sites, including the Better Business Bureau, the American Moving & Storage Association, and the Household Goods Forwarder Association. People in need of international moving quotes can get them through Wirefly.
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Moving corporate offices are unique and challenging since businesses do not take many breaks to complete a relocation. Since moving is considered a great disruption to businesses or organizations, movers should be able to move around the office without disturbing the workers, clients, and vendors. Since companies also do not have time to unload and unpack at their leisure, the moving companies can get everything unpacked in as little as one day, so the business doesn't have to stop working.
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Although perhaps not the most intimidating part of moving, getting your car to your new destination is definitely the scariest part. Trusting a moving company to transport the one thing that gets you to and from every important part of your life is a hard thing to do. Wirefly guarantees to help you find reliable and reputable companies in Vinton, LA to ship your car at a good rate.
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The Pew Environment Group released today the results of a public opinion survey conducted with voters in Maine and Massachusetts, which showed that voters overwhelmingly support a new management system for the groundfish (cod, flounder, haddock) that have been a cornerstone of New Englands economy for centuries.
The poll, conducted by City Square Associates, addressed voter attitudes toward overfishing as well as major changes the New England Fishery Management Council is considering that will improve sustainable management of these important fish populations. The council will vote on these changes during its meeting in Portland, Maine, June 22-25, 2009. The key findings make a strong case for the publics desire for change in this storied fishery.
1. Voters overwhelmingly support a new management system 66 percent of voters in Maine and Massachusetts favor "a new management system . . . that sets specific annual catch limits . . . based on what the best available science says is necessary to restore fish populations."
2. Voters know and care about New Englands shrinking fish stocks Over three-quarters of those polled were aware of overfishing problems in New England, and of those, nine out of ten think something needs to be done to solve it.
3. People want fish for their children and grandchildren Voters support a new management system principally as a function of their desire that future generations be able "to enjoy delicious and healthful native wild fish."
4. Wastefulness of current management system changes minds The fact that fishermen in New England are forced by current regulations to throw hundreds of pounds of fish overboard dead each year instead of bringing them to market moves public opinion: 44 percent of opposed and undecided voters said learning this made them more supportive of the new approach to fisheries management.
5. Voters embrace the ideas of community-based cooperatives and basic fairness The flexibility that sectors (community-based, fishermen-run cooperatives) offer resonates strongly with voters. A majority of those polled say that the latitude given to the cooperatives by the new plan makes them more inclined to favor it. And they agree that what is fair is fair: both sector and non-sector vessels should have the same basic rules apply.
"It is clear that, when it comes to this issue, people are motivated by a deeply-held concern about their families and the future," said Chris Schiavone, president of City Square Associates. "Voters are convinced that, by rebuilding the populations of threatened species, it will be possible for future generations to enjoy delicious and healthful native wild fish." The Fishery Management Council will also be considering various alternatives that will endeavor to hold those vessels not in sectors to the same standards as sectors a concept a majority of voters embraced as basic fairness." Universal standards for firm catch limits and monitoring for the entire fleet are the only way to create a fair fishery and ensure that sectors succeed," added Peter Baker, New England Fisheries Campaign Manager for Pew Environment Group.
Click here for an executive summary of the CSA study.
As reported in the New York Times, the venerable PBS icon, The NewsHour with Jim Lehrer is about to undergo a makeover, in the interest of expanding its audience and ensuring the availability of its unique brand of high quality journalism to future generations. City Square is proud to report that it has been The NewsHour's strategic audience research partner in the year leading up to this announcement, having designed and analyzed a major portion of the consumer and local station research that helped MacNeil-Lehrer Productions set the brand's course for the future.
"We have been conducting news audience research for a range of commercial and public media clients over the past several years," CSA President Chris Schiavone explains, "so I'd like to think we were able to bring a solid longitudinal perspective to the questions The NewsHour was asking. Particularly with the growth in cable television and the availability of news-related content on new media platforms, all news organizations have to adapt in order to stay relevant. The great thing here is that it looks like The NewsHour isn't just planning to adapt; they plan to lead."
One element of the makeover involves merging on-air and online operations into one entity in a way that reinforces its core mission. In a press release coinciding with the annual PBS Showcase in Baltimore earlier this month, The NewsHour announced that, "through the integration of its reporting teams, PBS NewsHour will provide news content best suited to specific platforms. There will also be a new player on the team, an online correspondent, who will represent the link between the online news operation and the nightly broadcast. This person will post four-to-five-minute video news summaries online throughout the day and also anchor the news summary on the nightly PBS NewsHour broadcast."
"We're thrilled to be working with PBS and MLP as they proceed with these changes," said Schiavone. "Solid audience insight can't replace the good judgment of executives. But judgments made with solid information about what Web users and TV viewers are actually doing and looking for are more likely to be sound."
Research conducted by City Square Associates on behalf of The Bridgespan Group, a consulting organization serving the nonprofit sector, was prominently featured in the Wall Street Journal and the Chronicle of Philanthropy.
CSA custom-designed this study for Bridgespan, who wanted to obtain an accurate measurement of the management hiring practices of US 501(c)(3) organizations. "This was an incredibly challenging study to design," commented Chris Schiavone, CSA President. "There were no truly representative lists of American nonprofits available to us, so we had to build the sample from scratch. On top of that, the individuals in the best position to answer our questions were Executive Directors and CEOs--a notoriously difficult cohort for research." By using a phone-to-email methodology, CSA was able to obtain by telephone cooperation from prospective respondents and then follow-up with a Web survey that was ultimately completed by 430 individuals at the top executive level nationwide.
Among the findings of the study are the fact that--in spite of a sluggish economy--the demand for senior managers in US nonprofits appears to be growing and will probably outstrip supply within the next 5-10 years. Although non-profit organizations appear already to be making extensive use of "bridgers" (i.e., individuals who are moving from the for-profit to nonprofit sector), more bridgers will most likely be needed to fill the expected gap. A concern about the "cultural fit" may be getting in the way, as success in the nonprofit world demands a strong commitment to an organization's mission and values. (An executive summary of the findings and a link to a PDF of the report can be found at (Click here for downloadable PDF of the report.)
"We were delighted to have the opportunity to collaborate with Bridgespan on this project," says Schiavone. "Bringing the best practices of business into living contact with the mission and altruism of the nonprofit sector has always been part of the CSA vision, and this project shows what can happen when the two pieces come together."


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Nearly 80 elementary, middle school and high school students with special needs participated in the 28th annual Tournament of Champions at McDaniel College as part of McDaniel's weeklong NCAA Division III week celebration. The children with orthopedic, visual and behavioral needs participated in adapted athletic events alongside McDaniel student buddies, who are primarily student-athletes and Exercise Science and Physical Education majors at the College.
TJ McGuire, a freshman from Blue Point, N.Y., with Vivvy Cooper of Hampstead Elementary School
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Securitization of loans as a tool to attract "long money" in the banking sector of the Russian economy
Comparative analysis of models of traditional and synthetic models of securitization. Advantages of the model of securitization of mortgage loans, used in most European countries. The current structure of the securitization market in Europe and America.
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Securitization of loans as a tool to attract "long money" in the banking sector of the Russian economy
Nekrasova I.V.1, Nikitenko A.S.2
1 PhD in Economics, associate professor,
2 4th year bachelor of economics, Southern Federal University
securitization mortgage loans market
Секьюритизация кредитов как инструмент привлечения «длинных денег» в банковский сектор экономики России
Некрасова И.В.1, Никитенко А.С.2
1 Кандидат экономических наук, доцент
2 Студентка 4 курса бакалавриата экономического факультета Южного федерального университета
В статье представлен сравнительный анализ моделей традиционной и синтетической моделей секьюритизации, раскрываются основные преимущества модели секьюритизации ипотечных кредитов, применяющейся в большинстве европейских стран, и анализируется современная структура рынка секьюритизации в Европе и Америке.
Авторы обосновывают актуальность секьюритизации кредитов малому и среднему бизнесу (МСБ). В статье осуществлена периодизация развития российского рынка секьюритизации и сделаны рекомендации по улучшению его функционирования.
Ключевые слова: рынок секьюритизации, специально созданное юридическое лицо, ипотечные кредиты, кредиты малому и среднему бизнесу, Агентство ипотечного кредитования, традиционная модель секьюритизации, пул финансовых активов, оргинатор.
Nekrasova I.V.1, Nikitenko A.S.2
1 PhD in Economics, associate professor, 2 4th year bachelor of economics, Southern Federal University
Securitization of loans as a tool to attract "long money" in the banking sector of the Russian economy
The article presents a comparative analysis of true-sale securitization and synthetic securitization models, reveals the main advantages of the model of securitization of mortgage loans, which is common in most European countries and analyzes current structure of the securitization market in Europe and America.
The authors substantiate the actuality of lending to small and medium-sized enterprises (SMEs) in the form of securitization debts in Russia.
The article presents the periods of development of the Russian securitization market and recommendations for its improvement.
Keywords: securitization market, Special Purpose Vehicle, mortgage loans, Small and Medium Enterprises Loans, Agency for Mortgage Lending, true-sale securitization, pool of financial assets, originator.
Russian economy reached the peak of its recession in June 2015. Following the results of this year analysts expect GDP to decrease at an annual rate of 3.6%. Noticeable slowdown on the lending market reflects current currency crisis and slowdown of economic activity of business and population. For the first four months of 2015 past-due debt rate in retail lending made 6.5%, whose increase at a quarter rate of 0.9% became a record since the beginning of past-due debt monitoring in 2010. Mortgage portfolio is also a subject of considerable problems: by May 2015 Russian banks reduced mortgage lending 33.45%. Following the results of first five months of the year, past-due debt rate in mortgage lending made 13.1%, which is five times higher than in 2014. [1]
At present, the Russian banking system is going through a massive and dangerous transformation: transition of major depositors and corporate clients to the state banks, lack of reserves for future credit activity.
The reason of such situation is widely known: on the Russian financial market there is no cheap and "long-term" liquidity in spite of permanent download additional liquidity by the central bank to the bank system.
However, this liquidity is obtained by a few dozen financial institutions only. In such situation, bank may rely only on its own strength and use the tools of funding. Securitization of loans is one of such tools for the Russian market.
The scope of securitization transactions in 2012 amounted to 68 billion rubles, or about 6.7% of all issued mortgage loans. In 2013, this amount was overcome in the first nine months of the year. Total year-end securitization accounted to 11% of all issued mortgage loans; approximately 144 billion rubles of loans were refinanced. In 2014 the scope of securitization amounted to 252.8 billion rubles with 14.5% of mortgage loans being refinanced. Securitization forecast for 2015 is 250 billion rubles; such decrease can be connected with current reduction on mortgage lending market. [2]
In the first quarter of 2015 on the Russian mortgage market took place six issues and six placements of mortgage-backed bonds. Among the latest (November 2015) news is approval of a bill, which is going to simplify procedure for issue of mortgage securities, reduce terms of issue from 40 to 5 weeks and lower the cost of the attracted resources. Therefore, the securitization of loans in Russia is very actual theme.
The classical scheme of mortgage assets securitization consists of the following steps.
1. The Bank (originator) gives loans to borrowers, and receives mortgage loans, as collateral. Rights of requirements of mortgage loans are sold by the bank to the special purpose vehicle (SPV).
2. SPV issues securities (mortgage bonds) which are collateralized by the right of claim on mortgage loans. Investors buy these securities and pay fund to SPV for them.
3. SPV pays cash, received from investors after issuing securities, to originator, thus paying for acquired right to claim.
4. Originator is serviced the securitized assets and if it necessary, provides a collection of debts through the court. Functions related to servicing of debts could also be carried out other person, which called servicer.
5. Cash generated by the originator from the borrowers is transferred to the SPV for investors.
6. SPV within the prescribed period shall pay investors interest on mortgage bonds and the principal amount. The realization of the securitization of assets through the special purpose vehicle (SPV) allows separating the assets, which provide payments on securities purchased by investors for risk diversification. [3,41]
This model of securitization originated and became most prevalent in countries with Anglo-Saxon type of economy, that's why this model is called American (or real) securitization model.
It should be noted that under classical securitization, bank transfers the credit claims from its balance sheet to the balance of SPV, transfers all credit risk to others entity, which allows him to avoid of Central Bank restriction.
According to the synthetic securitization all risk is transferred step by step, as the sale of securities.
Securitization, presupposing real sale of assets, became successful on international financial markets. However in some countries, there are legislative and legal difficulties or limitations which do not allow banks to use that method of financing. European countries are among those, who face with this problem.
Synthetic securitization assets appeared in the 1990s. The main reasons of emerging of synthetic securitization assets are not only restrictions which do not allow to use the American (or real) securitization model, but also the active development of the credit derivatives market.
During synthetic securitization assets remain on the balance sheet of the originator - the bank or enterprise. So they become a means to ensure of securities.
Thus, synthetic securitization was formed as a result of the usage of transaction credit derivatives and became an innovative technique in financial markets.
Credit derivatives are financial instruments on which the protection seller makes a payment to the protection buyer in the case of a risk event. The most popular credit derivatives, which are used in the structure of the transaction of synthetic securitization, are credit note, credit default swap, swap on the comprehensive income and others.
The basis of the synthetic securitization is a mechanism by which securitized asset is not sold, but remains on the bank's balance sheet, while the risks associated with this assets are transferred to the market.
Securitization opens access to almost all the resources of domestic and international financial markets for businesses and banks and solves the task of reducing the cost of borrowing. For investors, securitization means development of new instruments, which provide access to a high level of market relations, fundamentally new possibilities risk management. [4,17]
American mortgage crisis and the subsequent financial the crisis of liquidity have increased the practicians' and scientists' interest in practical application of securitization.
It is important to consider the main advantages of the German mortgage securitization model. This model is generally accepted in most European countries. Among its' advantages are:
· system openness - all mortgage lending institutions may participate in the securitization on an equal basis;
· risks and performing of service functions belong to the mortgage credit institutions;
· principle of equilibrium in the Danish mode, according to which mortgage is financed through the issuance of standardized bonds, producing a large-scale and liquid market (in contrast to the asymmetric model of the American mortgage system).
Securitization allows the homeowner to repay the mortgage loan not only due to money, but also by bonds with the same nominal value at market prices.
As the cost of housing and associated with it mortgage bonds usually change in the same direction, homeowners don't face with negative difference between the collateral and the market value of their property. In other words, if the housing prices fall, then the sum which the homeowner should spend on mortgage payments is reduced, because the homeowner can repay it by purchasing bonds at a lower price.
With a share of mortgages of 1% in GDP Russia lags behind not only developed countries but also the countries of Eastern Europe, Baltic States and Kazakhstan, which focus on the European model of securitization.
Mortgage financing in Russia is carried out mainly by means of the banking system. In our opinion it is ineffective, giving mortgage low capitalization and limiting access to long-term financial resources.
Securitization of mortgages in Russia was introduced by the Mortgage Securities Federal Law based on the American model of securitization.
In Russia, as well as in the United States scheme of securitization consists of two levels. On the first level loan is given to the borrower in a mortgage bank and pools of mortgage loans are formed. On the second level specialized mortgage companies issue securities into circulation on the stock market. [5, 26]
In the United States these specialized companies are represented by Federal National Mortgage Association Fannie Mae (FNMA); Government National Mortgage Association Ginnie Mae (GNMA); Federal Home Loan Mortgage Corporation Freddie Mac (FHLMC). Russian equivalent of the American Mortgage Association Ginnie Mae is the Housing Mortgage Lending Agency (HMLA).
HMLA buys back mortgage, secured by loan from the bank that issued a mortgage loan. After the sale of the mortgage, its owner becomes a regional operator of HMLA (servicer) and the bank has no relation to this mortgage and its service. Regional operator collects and services the purchased loans from the HMLA. Funds that the agency sends to the regional operators for the redemption of mortgage come from the issuance of corporate bonds HMLA and also from its share capital. All payoffs on agencies corporate bonds are guaranteed by the Russian Finance Ministry. Risks are fully covered by the state budget.
Today, the growth of the securitization market in Russia is caused by the following reasons.
First of all, banks issuing mortgages began to pay more attention to the securitization market as a potential source of borrowing.
Secondly, today the regulation is constructed in such a way that if mortgage loan portfolio is transformed into the mortgage-backed security, bank leverage is reduced. Besides, bank may redeem mortgage bonds instead of the loan portfolio to use it in repos with the Bank of Russia.
This mechanism is actively used abroad. Last year, about half of the transactions on the issue of European mortgage-backed securities were made in order to refinance in the European Central Bank. We apply this scheme to a lesser extent; it is available only to credit institutions of the Top-30.
The analysis showed that the Russian securitization market passed the following stages of development.
1. Pre-crisis period (2006-2007 years), period of euphoria when these securities were bought mostly by foreign investors.
2. Crisis period (2008-2009), the securitization market was almost "dead".
3. Post-crisis period (2010-2012), securitization market gradually began to recover. The mortgage-backed securities were placed with difficulty. HMLA was basically single on the market. And large proportion of mortgage-backed securities redeemed by the Bank for Foreign Economic Development (VEB), who is manger of the funded part of the pension fund.
4. Fourth period, from 2013 to the present. The specificity of this period is that foreigners almost do not buy mortgage-backed securities in Russia. On the contrary, Russian investors and non-state pension funds have become more active. In 2014 the share of HMLA in issue of mortgage-backed securities was 10%, in comparison the share in 2013 was about 40% and more than 60%in 2012. Thus the tendency in HMLA's share decrease is obvious and it can be considered as a positive trend.
Major prerequisite for the development of the securitization market in Russia was adoption of the Law № 379-FZ "On Amendments to Certain Legislative Acts of the Russian Federation" ("Securitization law"). It came into force on 1 July 2014, but for its application in practice, it is necessary for the Central Bank to adopt a number of by-laws. [2]
New law allows securitizing portfolio of any homogeneous assets: consumer loans to small and medium-sized businesses, auto-loans. But there raises the problem of assessing the homogeneity of the portfolio and future cash flows, as well as risks associated with work in this segment. Another point is that with the creation of Russian Special Purpose Vehicle (SPV) appeared an opportunity for implementation of internal securitization transactions.
Now the securitization of mortgage assets is held mainly through foreign SPVs (SPVs are special companies, in favor of which the banks write off assets from the balance sheets; then these companies issue of mortgage-backed securities).
Today it is difficult to determine whether Russian equivalent of the foreign SPVs will be needed and work efficiently during securitization.
The modern structure of the securitization market objects in Europe and America is represented by mortgage and asset securities - ABS (Asset Backed Security).
Broadly speaking ABS is a security backed by any financial assets, such as loans, lease payments, secured and unsecured requirements, mortgages and financial obligations to repay debt in several payments.
We can distinguish the following main types of ABS.
1. Mortgage Securities (MS) - the general name of securities backed by mortgages. They are divided into the following subtypes:
- Mortgage covered bonds (Mortgage Bond, Covered Bonds) - are bonds secured as collateral mortgage loans or mortgages on the balance sheet of the issuer. To protect investors, the value of collateral is regularly checked and updated if necessary, so that it is enough to pay the face value and current interest on the bonds.
Interest payments on mortgage bonds are paid semi-annually and the face value is repaid at the end of maturity. The dates of redemption and interest payment of such bonds are known in advance.
- Mortgage Backed Securities, MBS - are securities, which payments match with the cash flows from a pool of mortgage loans, subtract service commission and guarantees for them. The most important feature of the MBS is that after its issue a pool of mortgage loans "leaves" the issuer's balance sheet.
Mortgage Backed Securities may be issued following the market participants:
· Directly by the bank based on its portfolio of mortgage loans with the participation of "Ginnie Mae" as a state organization providing government guarantees of the United States. The securities, guaranteed by «Ginnie Mae», are assessed as a risk-free (in terms of credit risk).
· Specialized Mortgage Funds on the basis of mortgage loans, purchased from the creditor banks, with the participation of such organizations as "Fannie Mae" or "Freddie Mac" that provide their own MBS warranties. Securities guaranteed by "Fannie Mae" and "Freddie Mac" are called Agency securities (or Agency Pass-Throughs).
Agency securities differ from the mortgage bonds. For example, the exact period to maturity of Agency securities isn't known in advance, because the borrower has the possibility of early repayment of the loan at any time and any parts. Thus, the final investor takes the prepayment risk of mortgage loans.
Prepayment risk is the risk of reducing the profitability of investments due to the fact that part or fully invested amount will be paid before the deadline.
In Russia MBS is issued by HMLA, which is similar to American "Ginnie Mae."
- Mortgage participation certificates (or Mortgage Pass-Through Certificate) - is registered securities certifying the owner's share of the possession of a pool of mortgage loans. Mortgage participation certificate has no face value. Mortgage Pass-Through Certificate on the securities market may not be used for the issue of derivative securities. Unlike mortgage bonds for which the face value is redeemed at maturity, mortgage participation certificates are paid monthly as interest and amortization payments on the principal amount (excluding service fee pool).
In Russia, mortgage participation certificates in recent years become very popular among institutional investors, among which are management companies of mutual funds.
2. Residential Mortgage Backed Securities (RMBS) - are securities backed by mortgages, which are mainly issued in Netherlands and the UK.
In Russia RMBS are being issued since 2006, when the first cross-border transactions were held. Term "cross-border issues" is used for foreign issuers of Residential Mortgage Backed Securities.
3. Commercial Mortgage Backed Securities (CMBS) - this securities are provided by commercial real estate. Since these mortgage-backed securities are not standardized there are many details associated with their use which makes their value difficult to assess.
Commercial Mortgage Backed Securities are less subject to prepayment risk, as commercial mortgages are usually mounted on a certain date.
4. ABS in the narrow sense of the word - are securities backed by auto loans and Small and Medium Enterprises Loans (SMEs).
In Europe segment of securities backed by SMEs loans are greatly supported by public policies in countries such as Spain and Germany.
This segment of securitization market is very relevant for Russia as well as refinancing of small and medium-sized businesses is vital to the economy of any country in the period of macroeconomic instability.
Therefore, Russia needs to develop special government programs to encourage the issue of securities backed by SMEs loans.
Securitization of SME loans allows us to supplement the existing direct lending by the two-level scheme and it has the following advantages:
· Allows to turn illiquid portfolio of loans for small and medium-sized businesses in the bank's balance sheet into liquid securities with a high rating, with low-risk that fulfill the criteria to be included in the Lombard List of the Central Bank of the Russian Federation;
· Allows to bring in SME lending investors' funds, not related with SMEs and with lending in general (pension funds, insurance companies, management companies of mutual funds and private investment);
· Allows partner banks to release capital through the sale of the loan portfolio to SPV - issuer of covered bonds, whereby the bank may increase the volume of lending to SMEs.
Thus, it is necessary to develop standards for lending of small and medium-sized businesses in Russia. These standards will help banks to form portfolios of homogeneous loans for subsequent securitization, make loans cheaper and attract long-term money.
1. Official site of National Bureau of Credit History //www.nbki.ru
2. Official Site AHML // www.ahml.ru
3. Baer Kh.P. Asset Securitization: securitization of financial assets - innovative technology financing banks / Translation from German. M.: Wolters Kluwer. - 2007. - P. 624.
4. Kharitonchik A.I. Synthetic securitization as an innovative method of credit risk management // Problems and prospects of Economics and Management: materials of the International Scientific Conference (St. Petersburg, April 2012 г.). - SPb.: Renome. - 2012. - P. 115-117.
5. Kozak S., Teplova O. Securitization as a tool of liquidity and stability management in financial institutions in the period of crisis: the case of Germany and Russia // Scientiarum Polonorum ACTA, Oeconomia 9 (3) 2010. -P. 181-195.
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