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Dream it! Own it! Instant Credit. Special Financing Available. No Annual Fee. (see financing details)
SUMMARY OF KAY JEWELERS and KAY JEWELERS OUTLET CHARGE ACCOUNT TERMS
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)" in all states except MN and NM; we use a method called "average daily balance (excluding new purchases)" in MN and NM. See the Retail Installment Credit Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Retail Installment Credit Agreement.
In this Kay Jewelers and Kay Jewelers Outlet Retail Installment Credit Agreement ("Agreement"), the words "you" and "your" refer to any person who signs the Application for this Account or this Agreement, or has requested and is issued a Kay Jewelers and Kay Jewelers Outlet credit card. "We" "us" and "our" refer to Sterling Jewelers Inc., d/b/a Kay Jewelers and Kay Jewelers Outlet, P.O. Box 3680, Akron, OH 44309-3680, its subsidiaries and affiliates, and any person to whom this Agreement, your Account, and/or any amount due on your Account may be assigned. "Account" means your Kay Jewelers and Kay Jewelers Outlet Account, which will be governed by this Agreement. "Authorized User" means any person you permit to use your Account or who has apparent authority to do so. "Card" means any access device or method by which the Account may be accessed, including the Account number. "APR" means Annual Percentage Rate. "Interest" and "Interest Charges" mean the periodic finance charges that are calculated pursuant to Paragraph 5.
You promise to pay us for all credit extended on this Account and all other amounts owed to us under the terms of this Agreement. You are responsible for any transactions you make or otherwise incur and any transactions incurred by anyone else you have authorized to use this Account. You are also responsible for the use of each Card issued on this Account. You may request additional Cards on this Account for yourself or others, and you may permit an Authorized User to have access to the Card or Account number. However, if you do so, you must pay us for all charges made by those persons. See Paragraph 23 for details. When you sign the Application for this Account, you will be agreeing to everything written here. Therefore, before you sign the Application, you should read this entire Agreement. The information you provide on the Application that identifies you is incorporated in this Agreement by reference. This Agreement will not be effective unless and until we approve your Application.
Each transaction or group of transactions subject to the same terms (such as the applicable APR and duration) shall be considered part of the same balance. The balance subject to the Regular APR and the other regular terms set forth in this Agreement is your Account's regular balance. We calculate your total regular balance each billing cycle by taking the regular balance for the prior billing cycle, adding any regular purchases, fees, Interest Charges, other finance charges, and other debits, and subtracting any payments or other credits, as of the closing date for that billing cycle. Balances subject to promotional terms are promotional balances. We calculate the total of any promotional balance by adding the promotional purchase for that balance and subtracting any payments allocated to that promotional balance or other credits. You authorize us to allocate any payment or credit among your regular, promotional, and other balances in any manner, including in a manner that may be beneficial to us, except where otherwise prohibited by applicable law. The total of your regular balance and any promotional or other balances is the "New Balance" shown on your statement.
If Interest Charges (which are FINANCE CHARGES) are assessed during a billing cycle, we will use the following Annual Percentage Rate (the "Regular APR") and corresponding monthly periodic rate, subject to any promotional terms:
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest in any billing cycle in which payments received (and if required by law, credits issued) by the due date equal or exceed the "Balance Payable To Avoid Further Interest" shown on your billing statement. The "Balance Payable To Avoid Further Interest Charges" shown on your billing statement is your New Balance less any portion of a promotional balance for which payment is not required to avoid the imposition of Interest in a billing cycle.
In all states except MN and NM, we calculate Interest Charges using the average daily balance method (including current transactions). In MN and NM, we calculate Interest Charges using the average daily balance method (excluding current transactions). We calculate interest separately for each balance on your Account subject to different terms (including APR and duration). We figure the Interest Charges by applying the applicable monthly periodic rate to the "average daily balance" for that balance. To get the average daily balance for a balance, we take the beginning balance each day, add any new transactions (except we do not add in any new transactions in MN and NM); subtract any payments or credits and any Late Payment Fees, any Returned Payment Fees, and/or unpaid Interest Charges; and make other adjustments. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. Any negative daily balance will be treated as zero. If Interest Charges are imposed and the total Interest that results from application of the above calculation to each balance is less than $1.00, we will impose a minimum Interest Charge of $1.00 (which is a FINANCE CHARGE); except in MI, MO, NY, TN, and TX, where we will impose a minimum Interest Charge of $0.70 (which is a FINANCE CHARGE); and in AL, AZ, CO, IN, LA, ME, MA, MN, MS, MT, NJ, OK, PA, SC, SD, VT, WV, and WY, where we will impose a minimum Interest Charge of $0.50 (which is a FINANCE CHARGE). Furthermore, there is no minimum Interest Charge in AR, DC, HI, IA, MD, NE, NM, NC, and RI. You authorize us to round any calculation used to determine Interest Charges, including rounding that may cause minor variations in our favor. The applicable monthly periodic rate for a balance is the applicable Annual Percentage Rate divided by twelve (12), and rounded to the fourth decimal place.
You agree to pay at least the "Minimum Payment" shown on your billing statement on or before its due date. Your total Minimum Payment is the sum of any minimum payment for your regular balance, for any promotional balance, and for any other balance. We base your minimum payment for your regular balance on the highest "Regular Balance" (the New Balance less any balance with a separate minimum payment) on your Account since the Regular Balance was last reduced to zero (the "Highest Regular Balance"). Your balance is considered to be zero when opened or when there is a credit balance. We will recalculate the minimum payment if a subsequent return is made, and the Regular Balance is below the Highest Regular Balance. The minimum payment for your regular balance will be calculated as follows, except any minimum payment in excess of $25.00 will be rounded up to the nearest $5.00 increment, and the minimum payment for your regular balance will never exceed the Regular Balance:
If your billing statement shows a promotional balance (such as a "No Interest" balance, a "Reduced Interest Rate" balance, and/or an "Eighteen (18) Month" balance), the minimum payment for this balance shall be calculated as specified in Paragraph 7. There shall be no separate, additional minimum payment component for a non-regular, non-promotional balance unless we provide you notice of such a requirement.
At our sole discretion, we may offer you promotional terms for a new purchase or for an existing balance. Any promotion will be subject to the terms of the promotional offer and this Agreement. Below is a description of some of the promotional terms that we may offer in our sole discretion from time to time.
No Interest Plans. If any single purchase is designated as purchased under a no interest plan, you will pay no interest if the promotional purchase is paid in full in the designated promotional time period (which may be 6 months, 12 months, or another period specified in the promotion). If the promotional purchase balance is not paid in full by the end of the designated promotional period, or if we do not receive a required minimum payment within 60 days of its due date, interest will be charged to your account at the Regular APR from the promotional purchase date. Unless the promotion states that there is no separate promotional minimum payment, the required minimum payment for the promotional balance will be the amount of the promotional purchase divided by the promotional period, rounded up to the nearest $5.00 increment. However, if the promotion specifies a minimum purchase amount, in no case will the minimum payment be less than the minimum purchase amount divided by the promotional period, which may shorten your repayment period in certain instances. The minimum payment will never be more than the remaining promotional purchase balance. If the promotion states that there is no separate promotional minimum payment, then the amount of the promotional balance will be included in your regular balance for the purpose of calculating your minimum payment.
Reduced Rate Plans. If any single purchase is designated as purchased under a reduced rate plan, we will calculate the Interest for the promotional balance by using an APR that is less than your Regular APR (the "Promotional APR"), in lieu of the Regular APR during the specified promotional period (which may be 6 months, 12 months, or some other period specified by us). The Promotional APR will return to your Regular APR at the expiration of the promotional period or if we do not receive a required minimum payment within 60 days of its due date. See Paragraph 3 for details. Unless the promotion states that there is no separate promotional minimum payment, the required minimum payment for the promotional balance will be the amount of the promotional purchase divided by the promotional period, rounded up to the nearest $5.00 increment. However, if the promotion specifies a minimum purchase amount, in no case will the minimum payment be less than the minimum purchase amount divided by the promotional period, which may shorten your repayment period in certain instances. The minimum payment will never be more than the remaining promotional purchase balance. If the promotion states that there is no separate promotional minimum payment, then the amount of the promotional balance will be included in your regular balance for the purpose of calculating your minimum payment.
Eighteen (18) Month Plan. If any single purchase is designated as purchased under the "Eighteen Month Plan", no Interest will be imposed on the promotional purchase for the first twelve (12) months if you make all required minimum payments by the end of the 12th month. If we do not receive all required minimum payments by the end of the 12th month, or if we do not receive a required minimum payment within 60 days of its due date, Interest will be charged to your account at the Regular APR from the promotional purchase date. After the first twelve (12) months, we will use the specified reduced APR (the "Promotional APR"), in lieu of the Regular APR, to calculate Interest for the next six (6) months. The Promotional APR will return to your Regular APR at the expiration of the six month period or if we do not receive a required minimum payment within 60 days of its due date. See Paragraph 3 for details. The required minimum payment for the promotional balance will be 1/18th of the promotional purchase multiplied by 1.030 and rounded up to the nearest $5.00, but not less than $150.00 or not less than $250.00, based on the terms of the offer.
All payments must be mailed or delivered to us at the address shown on the front of the billing statement and accompanied by the payment slip. You must pay us in U.S. dollars drawn on funds on deposit in the United States using a check or similar instrument that will be processed and honored by your bank. Do not send cash payments. We can accept late or partial payments, as well as payments that reflect "paid in full" or other restrictive endorsements, without losing any of our rights under this Agreement. We credit your payments in accordance with our payment instructions on the billing statement.
All notices relating to legal actions, including bankruptcy notices, must be sent to us at P.O. Box 1799, Akron, OH 44309-1799. Legal notices sent to any other addresses will not satisfy any legal requirement that you provide notice to us.
This paragraph describes how all Claims (as defined in subparagraph A below) will be arbitrated, at the election of you or us, on an individual (non-class, non-representative) basis instead of litigated in court.
A. The term "Claim" means any claim, dispute, or controversy between you and us arising from or relating to your Card, your Account, or this Agreement as well as any related or prior agreement that you may have had with us or the relationships resulting from this Agreement, including the validity, enforceability or scope of this arbitration provision or the Agreement. Claims arising in the past, present, or future, including Claims arising before the opening of your Account, are subject to arbitration. "Claim" includes, without limitation, claims that arise from or relate to any application for your Account or any advertistements, promotions, or statements related to your Account or goods or services that may be financed in connection with your Account. For purposes of this arbitration provision, "you" and "us" also includes any corporate affiliates, any licensees, predecessors, successors, assigns, any purchaser of any accounts, all agents, employees, directors and representatives of any of the foregoing, and other persons referred to below in the definition of "Claims". "Claim" includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims, third-party claims, and claims based upon contract, tort, fraud, and other intentional torts, statutes, regulations, common law, and equity. Claims and remedies sought as part of a class action, private attorney general action, or other representative action are subject to arbitration on an individual (non-class, non-representative) basis, and the arbitrator may award relief only on an individual (non-class, non-representative) basis. "Claim" also includes claims by or against any third party relating to or arising from your Card, your Account, or this Agreement. The term "Claim" is to be given the broadest possible meaning that will be enforced. "Administrator" means the American Arbitration Association, 335 Madison Avenue, New York, NY 10017, www.adr.org, (800) 778-7879; or JAMS, 1920 Main St., Suite 300, Irvine, CA 92614, www.jamsadr.com, (949) 224-1810.
B. We OR you have the right to require that each Claim be resolved by arbitration on an individual (non-class, non-representative) basis. A Claim will be arbitrated if (1) both we and you or (2) only one or the other of we or you, exercise the right to require that the Claim be arbitrated. If, for example, we exercise our right to require that the Claim be resolved by arbitration but you do not also exercise your right to require that the Claim be arbitrated, the Claim will be resolved by arbitration. If neither we nor you request arbitration, the Claim will not be resolved by arbitration and instead will be litigated in court. We will not elect arbitration for any Claim you file in small claims court, so long as the Claim is individual and pending only in that court. The arbitrator's authority to resolve Claims is limited to Claims between you and us alone, and the arbitrator's authority to make awards or decisions is limited to you and us alone. Furthermore, Claims between you and us may not be joined or consolidated in arbitration with Claims brought by or against someone other than you, unless otherwise agreed to in writing by all parties. However, applicants, co-applicants, authorized users on a single Account, or corporate affiliates are considered one person for the purposes of this paragraph. No arbitration award will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the arbitration. This arbitration provision is made pursuant to a transaction involving interstate commerce and will be governed by the Federal Arbitration Act ("FAA") (9 U.S.C. §1, et seq.).
C. If we or you request arbitration of a Claim, we and you will not have the right to litigate the Claim in court. This means (1) there will be no jury trial on the Claim, (2) there will be no pre-arbitration discovery except as the Administrator's rules permit, and (3) no Claim may be arbitrated on a class-action, private attorney general, or other representative basis, and neither we nor you will have the right to participate as a representative or member of any class or group of claimants pertaining to any Claim subject to arbitration. We or you may elect to arbitrate any Claim at any time unless it has been filed in court and trial has begun or final judgment has been entered.
D. The party initiating an arbitration shall select an Administrator from the organizations listed above. If none of the Administrators listed above will accept the arbitration, the arbitration will be administered by an administrator, or adjudicated by an arbitrator, upon which you and we agree in writing. The arbitration shall be governed by the procedures and rules of the Administrator and this Agreement, which need not apply federal, state or local rules of procedure and evidence. The Administrator's procedures and rules may limit the discovery available to you or us. You can obtain a copy of an Administrator's procedures and rules by contacting the Administrator. A single, neutral arbitrator will resolve Claims. The arbitrator will be either a lawyer with at least ten years experience or a retired or former judge, selected in accordance with the rules of the Administrator. In the event of any conflict or inconsistency between this arbitration provision and the Administrator's rules or other provisions of this Agreement, this arbitration provision will govern. The arbitrator will take reasonable steps to protect customer account information and other confidential information if requested to do so by you or us. Arbitration hearings for Claims by or against you will take place in the federal judicial district in which you reside. If you make a request to us in writing, we will temporarily advance to you the filing, administrative, and hearing fees for the arbitration of your Claim against us (but not if the Claim is against you) in excess of any filing fee you would have been required to pay to file the Claim in a state or federal court (whichever is less) in the judicial district in which you reside. At the end of the arbitration, the arbitrator will decide if you have to repay the advance (and if you do have to repay, you agree to do so). Unless applicable law requires otherwise, we will pay our, and you will pay your, lawyers', experts', and witnesses' fees. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, will honor claims of privilege recognized at law, and will have the power to award to a party any damages or other relief provided for under applicable law. The arbitrator will make any award in writing and, if requested by you or us, will provide a brief statement of the reasons for the award.
E. Judgment upon the arbitrator's award may be entered in any court with jurisdiction. The arbitrator's decision regarding any claims will be final and binding, except for any appeal right under FAA. The appealing party will pay the appeal costs. This agreement to arbitrate shall survive any suspension, termination, revocation or closure of the Agreement or your Account, and any bankruptcy to the extent consistent with applicable bankruptcy law.
F. If any part of this arbitration provision cannot be enforced, the rest of the arbitration provision will continue to apply. However, an arbitrator cannot enlarge his or her authority over the adjudication of Claims beyond that provided by this arbitration provision by enforcing only part of this arbitration provision. If an arbitrator determines that applicable law requires this arbitration provision to be enforced in a way that would result in greater authority over Claims than otherwise allowed, such as the adjudication of claims on a class or representative basis, then the arbitrator must decline to hear the dispute and shall refer the parties to a court or other body with sufficient authority. In the event of any conflict or inconsistency between this arbitration provision and the Administrator's rules or other provisions of this Agreement, this arbitration provision will govern.
A. Returned Payment Fee: If any check, instrument, or electronic authorization used to pay us is not honored upon first presentment, (for residents of MD, second presentment), even if the check, instrument or electronic authorization is later honored, we may charge you a Returned Payment Fee. Except as set forth for specified states below, this fee is up to $30.00. The fee charged generally will be the highest amount permitted by law, subject to the specified maximum. This means that the fee generally will not exceed the amount of the required minimum payment due immediately prior to the date on which the payment is returned. In addition, the first time you make a payment that is returned, the fee will not exceed $25.00. If you make another payment that is returned during the next six billing cycles, the fee will not exceed $30.00.
We will add any Returned Payment Fee to your Account's regular balance.
B. Late Payment Fee: If we do not receive your minimum payment by its due date (or within seven (7) days in VA; within ten (10) days in AL, AZ, CO, DC, FL, GA, HI, ID, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OK, SC, WV, and WY; within fifteen (15) days in CA, ME, and MA; within twenty-one (21) days in TX; within thirty (30) days in NC; and within forty (40) days in RI), we will impose a Late Payment Fee. The maximum fee is set forth below. The fee charged generally will be the highest amount permitted by law. This means that the fee generally will not exceed the amount of the required minimum payment due immediately prior to the assessment of the fee. In addition, the first time you pay late, the fee will not exceed $25.00. If you pay late again during the next six billing cycles, the fee will not exceed $35.00.
We will add any Late Payment Fee to your Account's regular balance.
You grant us a purchase money security interest in each item of merchandise purchased on your Account to secure its unpaid purchase price (except in CT, MO (on any purchase under $150.00), and NY (on any purchase under $200.00)) until such item of merchandise is paid for in full (in NY, not to exceed five (5) years from date the purchase is posted to your Account). Solely for the purpose of determining the extent of our purchase money security interest in each such item of merchandise, your payments will be allocated first to any unpaid insurance premium, next to any unpaid Late Payment Fees, any unpaid Returned Payment Fees, any unpaid Interest, and any other unpaid fees or charges, then to pay off each purchase in the order in which the purchase was made.
If you fail to pay any minimum payment when due, or if the prospect of payment, performance, or realization of collateral is significantly impaired, to the extent permitted by applicable law it will be a default, and, subject to any right you may have under state law to receive notice of and to cure such default, we may declare the entire unpaid balance on the Account due and payable (except in WI you will not be in default until you fail to make a minimum payment on two occasions within a twelve (12) month period). We also may repossess any article of merchandise in which we still retain a security interest, but we will do so only in the manner and to the extent permitted by applicable law. If the Account is referred to an attorney who is not our salaried employee and we bring a suit against you to collect the amount you owe, in addition to the full amount owed and any court costs, you agree to pay our reasonable attorney's fees of 15% of the total amount due (10% of any amount due in AR, 10% of any amount due over $500.00 in NJ, and 10% of any amount due of $3,800.00 or less in OK), or such lesser amount as may be permitted by applicable law. No attorney's fees will be imposed in AL (when the unpaid balance is under $300.00), DC, IA, KS, ME, NE, OH, SD, WV, and WI, or in any state, or in any amount, where not permitted by law. In the states of CA, CT, DE, NH, and PA, we will pay your reasonable attorney's fees if you prevail in a suit we bring against you or if you prevail in a suit you bring against us under this Agreement. Notice to New Hampshire Residents: If you successfully assert a partial defense or counterclaim, the court may withhold part or all of any attorney's fees to which we may be entitled.
You have the right to close your Account at any time, for any reason. You will still be liable for any balances owed. We may limit or terminate the use of your Account and/or raise or lower your credit limit at any time and for any reason without advance notice to you. Some purchases will require our prior authorization, in which case you may be asked to provide identification. If our authorization system is not working, we may not be able to authorize a transaction, even if you have sufficient available credit. We will not be liable to you if this happens. We are not responsible for the refusal of anyone to accept or honor a Card associated with this Account. All Cards we issue remain our property and, if requested, you agree to return any Card issued to you. Your credit limit with us may be reduced by the amount of credit purchases you make at other retail jewelers that are affiliated with us. We may, at our discretion, permit you to make a purchase in excess of your stated credit limit. If we do so, this will not permanently increase your credit limit. To request the names of the other retail jewelers that are affiliated with us, please call our Credit Customer Service Department at 1-800-877-3616 or 1-330-668-5000, Ext. 6867.
To the extent permitted by law, we may change any term of this Agreement, including any Annual Percentage Rate or fee, as well as add and/or subtract terms. We will furnish you notice of the change to the extent required by law. If permitted by applicable law, any new terms may at our option be applied to any balance existing on the Account at the time of change, as well as to any subsequent transactions.
You authorize us to investigate your credit history by obtaining consumer reports and by making direct inquiries of businesses where you have accounts and where you work. We may request a consumer report from consumer reporting agencies in considering your application for this Account or any other account you have with us and later in connection with an update, renewal, extension of credit or collection of the Account or any other account you have with us. Upon your request we will disclose whether a consumer report was requested and the name and address of any consumer reporting agency that furnished the report. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected on your credit report. If you believe that we have reported inaccurate information to a consumer reporting agency, write to us at the Customer Service address listed on your billing statement and we will investigate the matter.
We may, without notice to you, delay or refrain from enforcing our rights under this Agreement without losing them (e.g., we may extend the time to make some payments without extending the time to make other payments, accept late or partial payments without waiving our right to have future payments made when they are due, and/or waive any charge or fee without losing our right to impose that charge or fee when it is due under this Agreement).
You agree that your calls with us may be monitored and/or recorded and that we (or anyone acting on our behalf) may contact you from time to time regarding your Account (including for collections purposes). You further agree that all of our contacts with you may be made via text message or with an automated dialing and announcing or similar device and/or an artificial voice or prerecorded message. You also agree that we may contact you at any telephone number you provide to us, whether a residential or business number, even if that number is a wireless, cellular or mobile number; is converted to a mobile/wireless number; or connects to any type of mobile/wireless device. You agree that you have an established business relationship with us, that all of our contacts with you are not unsolicited, and that we may contact you at the telephone number you provide in this application, in any of the ways described above, with advertisements and telemarketing messages regarding products and services that we believe may be of interest to you. You understand that your consent to telemarketing contacts is not a condition of purchasing any property, goods, or services. To opt out of these contacts, please call Customer Service at 1-800-877-3616 or 1-330-668-5000, Ext. 6867.
This Agreement and your Account and any claim, dispute, or controversy arising from or relating to this Agreement or your Account are governed, to the extent applicable, by U.S. federal law and the law of the state of your billing address when this Account was opened or, for non-U.S. residents, the law of the state where the Account was opened (without regard to conflicts of laws principles), unless we receive written notice that you have moved to another U.S. state pursuant to Paragraph 20. If we receive notice of a change in your billing address, except for any Annual Percentage Rate (and corresponding monthly periodic rate) applicable to any outstanding balance, the terms applicable to the state of your new billing address will apply to all balances on your Account after we receive written notice of your new address. Any Annual Percentage Rate (and corresponding monthly periodic rate) applicable to a balance outstanding prior to notification of a change in billing address will continue to apply to such balance until it is paid off.
You agree to notify us promptly in writing of any changes to your billing address, phone number, email address, and other contact information. Until we receive written notice of your new billing address or email address, if you have elected to receive notices electronically, we will continue to send billing statements and other notices to the address we have on file for your Account. Subject to Paragraph 19, we deem you to reside at the billing address we have on file for the purpose of applying terms that vary with your state of residence.
We may sell, transfer, or assign our rights or obligations under this Agreement without prior notice to you. You may not sell, transfer, or assign your rights or obligations under this Agreement or your Account.
You agree to notify us promptly if your Card is lost or stolen, or of the unauthorized use of your Card, by writing to us at Kay Jewelers, P.O. Box 3680, Akron, OH 44309-3680 or by calling us at 1-800-877-3616. If you orally give us notice, you agree to confirm in writing. You may be liable for unauthorized use of your Card prior to your notification of us. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or unauthorized use and, in any case, your liability will not exceed $50.00.
You may request additional Cards on your Account, and you may permit an Authorized User to have access to a Card. However, if you do, you are responsible for all charges made by the Authorized User, including charges for which you may not have intended to be responsible. You must notify us to revoke an Authorized User's permission to use your Account. If you do so, we may close the Account and issue a new Card or Cards with a different Account number.
Notice to District of Columbia Residents: A financial benefit inures to the seller by way of commission or rebate resulting from your purchase of Credit Insurance coverage on this Account.
Notice to Florida Residents: The Annual Percentage Rates shown above are authorized by Chapter 655 of the Florida Statutes.
Notice to Maryland Residents: This Account is governed by Subtitle 9, Title 12 of the Maryland Commercial Law Article.
Notice to Texas Residents: The Regular APR shown above is authorized by the Market Competitive Rate ceiling that is in effect under Tex. Fin. Code Ann. § 303.009. To contact Kay Jewelers and Kay Jewelers Outlet about this Account, call 1-800-877-3616. This contract is subject in whole or in part to Texas law which is enforced by the Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207, Phone 1-512-936-7600 or 1-800-538-1579. Contact the Commissioner relative to any inquiries or complaints.
Your Billing Rights: Keep this Document for Future Use
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at:
In your letter, give us the following information:
You must contact us:
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
What Will Happen After We Receive Your Letter
When we receive your letter, we must do two things:
While we investigate whether or not there has been an error:
After we finish our investigation, one of two things will happen:
If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address listed above.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
• Social Security number and account balances
• payment history and transaction history
• credit history and credit scores


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Louise: What makes you think my familiar is something other than a simple human commoner?There are many Zero no Tsukaima fics where Louise summons a different person at the beginning of the story, providing dynamics parallel to or wildly disparate from those in canon. In very few of those stories, though, is the summoned being an unstoppable, betentacled monstrosity fresh from (literally) chewing his way through most of the U.S. Marine Corps.Started in the wake of The Hill of Swords on the SpaceBattles Fanfiction Forum, Unfamiliar, by Cpl_Facehugger, is a crossover between Zero no Tsukaima and Prototype, where Louise summons Alex. It's actually less unfair than the premise sounds (no Mercer Attacks Everyone Dies, for example).Yes, seriously.See Prototype and Zero no Tsukaima for the tropes of those respective universes. Dead Fic.
Kirche: When he put his hands on your shoulders, I saw his face change.
Louise: Who wouldn't want to make faces at a shameless woman like you?
Kirche: This is serious, Valli�re. You remember that sound it made? I know you heard it because you looked up. Your familiar's face changed. It started wearing your face.
Unfamiliar provides examples of the following tropes:

subset: commoncrawl


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Memory Disorder Center to Offer Free Memory Screenings
Deerfield Beach, FL - In observance of National Memory Screening Day on Tuesday, November 16, Broward Health North Broward Medical Center will offer free memory screenings in the Memory Disorder Center. Screenings will be offered by appointment only at 201 East Sample Road, Deerfield Beach, FL 33064, from 9:30am to 4:00pm. For additional information, or to schedule an appointment, please call 954-786-7392.
Memory loss can have many causes including thyroid imbalance, Alzheimer's disease, nutritional or metabolic disorders, stroke or other neurological conditions. Warning signs include forgetfulness about names and events, asking repetitive questions, loss of verbal or written skills, confusion, and erratic mood swings. Anyone concerned about changes in memory or other intellectual functions should get screened.
"Being proactive is the best strategy when it comes to a person's memory. Everyone needs to learn about lifestyle choices that go hand-in-hand with successful aging. Individuals whose screening indicates a potential problem need to find out about next steps. There is help available," said Dr. H. Murray Todd, Medical Director of the Memory Disorder Center at North Broward Medical Center.
National Memory Screening Day is an annual event involving hundreds of sites nationwide that provide free memory screenings and education about the disease, successful aging and local resources.
The Memory Disorder Center at North Broward Medical Center is an outpatient diagnostic facility offering a multidisciplinary approach to determine the cause of memory impairment. A team of specialists including neurologists, neuropsychologists, geriatric psychiatrist, social workers and nurses, provide a comprehensive diagnostic evaluation. Upon the completion of the diagnostic process, the patient and their caregivers meet with the neurologist and members of the multidisciplinary team to discuss diagnosis, planning for the future and available resources.
North Broward Medical Center was the first hospital in the nation to attain Joint Commission Certification for Alzheimer's Disease Program which validates that the Memory Disorder Center consistently follows the national standards that lead to the best care of Alzheimer's patients.
The Memory Disorder Center is part of Florida's Alzheimer's disease initiative, and is partially funded by the Florida Department of Elder Affairs. The Center is part of the Neurological Institute at North Broward Medical Center, which also consists of a Dizziness and Balance Rehabilitation Center, Audiology and Hearing Aid Center, Sleep Disorder Center and Comprehensive Stroke Center. It is staffed by a team of specialists including neurologists, neuropsychologists, geriatric psychiatrists, social workers and nurses. The staff focuses on refining diagnosis, treatment and continuing care for a full range of neurological disorders.
Broward Health, providing service for more than 50 years, is a nationally recognized system offering world class health care services to our neighbors in South Florida. One of the 10 largest public health systems in the nation, Broward Health includes Broward General Medical Center, North Broward Medical Center, Imperial Point Medical Center, Coral Springs Medical Center, Chris Evert Children's Hospital, Broward Health Weston and more than 30 facilities of the Community Health Services and Broward Health Physician Group. For more information visit www.browardhealth.org.


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You can also pay your fine by mailing a check payable to the Traffic Violation Bureau to P.O. Box 219381 Kansas City, MO 64121-9381. Please write your ticket number in the memo field of your check.
The court also accepts payments at the Traffic Violations Bureau on the first floor of the courthouse located at 1101 Locust Kansas City, MO 64106, between the hours of 8:00 am - 5:00 pm M-F.


text:
Hanford Watchdogs: Sending Tank Waste To New Mexico Won't Work
By Anna King
RICHLAND, Wash. – A plan to ship some radioactive waste from the Hanford Nuclear Reservation to New Mexico for storage won't work. That's the message today from three environmental watchdog groups. They're asking the Obama Administration's nominee for Secretary of Energy to drop the idea.
Earlier this month, Governor Jay Inslee announced the federal government's preferred storage site for about 3-million-gallons of tank waste is salt caves in New Mexico. That's out of 56-million-gallons total stored at Hanford. Now, environmental watchdog groups call this a waste of time.
In a letter to Energy Secretary Steven Chu, they argue the waste would have to be legally redefined and a new plant would be required to dry-down or bind-up the waste in grout. Tom Carpenter heads the group Hanford Challenge and calls the New Mexico option a "bar napkin plan."
Tom Carpenter: "It's years and years away. And it's a distraction. So I think that its something that the government ought to drop, New Mexico doesn't want it. And instead focus our efforts on building those new tanks."
The Natural Resources Defense Council based in Washington, D.C., the Southwest Research and Information Center out of Albuquerque, New Mexico and the Seattle-based group Hanford Challenge penned the letter to Secretary Chu.
The Department of Energy did not respond for comment.
Copyright 2013 Northwest Public Radio


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- High School Sports Schedule: Thursday, September 18th 8:05am
- High School Sports Scores: Wednesday, September 17th 6:00am Sep 17
- Wainwright Shuts Out Brewers 2-0 10:25pm
- High School Sports Scores: Tuesday, September 16th 6:50am Sep 16
- Brewers win in extra innings 11:22pm
- High School Sports Schedule: Tuesday, September 16th 8:16am
posted on Sep 15th
Justin Hull and David Bakhtiari with guest Richard Rodgers.
posted on Sep 8th
Justin Hull and T.J. Lang with guest Corey Linsley
posted on Sep 1st
Justin Hull and David Bakhtiari
posted on Aug 25th
Reporters Show with Justin Hull, Marques Pfaff and Wes Hodkiewicz.
posted on Oct 14th
Justin Hull and David Bakhtiari with guest Eddie Lacy
"Peyton Manning (cropped)" by Jeffrey Beall - Cropped from File:Peyton Manning - Broncos.jpg. Licensed under CC BY-SA 3.0 via Wikimedia…
posted by Justin Hull 1 day ago
"Brad Keselowski, 2013 STP Gas Booster 500" by chayes_2014 - Flickr: Brad Keselowski drives down pit road. (2). Licensed under…
posted by Justin Hull 2 days ago
A four-way tie after week 1 of our picks with Justin Felder, Ryan Rodig, Benjamin Worgull, and Paul Imig posting…
posted by Justin Hull 7 days ago


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If you swim,bike,run this is the triathlon t-shirt design for you! SBR into transition with this sweet triathlon tee shirt.
Design ID: 10157845
sunglasses_mustache3 Other Designed by surreal197
love to train Designed by skill11
Wicked strong Designed by 3087565
The Official Save the Ta-tas® Logo Other Designed by SAVETHETATAS
A mustache with a gift ribbon Other Designed by namo
Two owls Other Designed by SumuLee
Sloth Love Hug iPhone 4/4S Case Designed by carlhuber
segelschiff_o_3c Bags Designed by Judith-M83
This durable kids' t-shirt has double stitched sleeves and hems and it is sure to hold up against the toughest play. The fabric is made from 100% pre-shrunk cotton and has a fabric weight of 6.1 oz
still to fill


text: The first comprehensive exploration of the environmental movement, this empowering documentary spans 50 years of grassroots and global activism. Narrated by Robert Redford, Ashley Judd, Van Jones, Isabel Allende, and Meryl Streep, the film has won acclaim at festivals around the world, including Sundance. It brings to light the vital stories of people who fought against enormous odds – from halting dams in the Grand Canyon to fighting toxic waste at Love Canal; from Greenpeace to climate change; to those fighting for their homes, their lives, the future.


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ISI tracks citations from various sources. The bulk come from the 6650 Source Journals covered in Science Citation Index-Expanded. (You can browse and search a list of Source Journals by following the link next to the Cited Work search box.) In 2009 ISI added citation data from its Conference Proceedings Citation Indexes, which increased overall citation numbers.
If a citation to one of your papers is in a publication not covered by ISI, that citation will not be represented. Examples of citations not covered are those in: books, dissertations, patents, web pages, etc. On the other hand, it does not matter where the cited document appeared -- only where the citing paper was.
Why stop here? If you do choose to finish the search, don't use the SELECT ALL option -- this will eliminate "duplicates" and will also result in a lower count.
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Dr. Lewis Somberg Recipient of VICU Performance Excellence Award for February 2011
Dr. Somberg was nominated by the Bellin ACD & VICU Teams for his outstanding care of a gravely ill Bellin patient. Dr. Somberg's proactivity, sound communication with the Bedside Team and commitment to quality care delivery resulted in the patient's successful resuscitation and discharge.
Congratulations Dr. Somberg and thank you for your outstanding efforts!


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- Sam Ash Gift Guides
- Hot Deals
- Guitars
- Bass
- Accessories
- Live Sound
- Keyboards
- Microphones & Wireless
- Recording
- DJ & Lighting
- Drums
- Books/DVDs
- Band/Orchestra
To automatically re-order this item before you run out, select the recurring order option during checkout.
Buy Extended Service Plan ( What This? )
An eye-catching direct-drive turntable that's great for battles or beat mixing!Based on the Stanton Best Selling Favorite, the T.60, the T.62 is an easy to operate, direct drive turntable perfect for DJs of any style or experience level. The T.62 features a powerful motor with strong torque and a straight tone arm, which provides superior tracking capability for scratch DJs. The T.62 also comes equipped with the legendary Stanton 500.v3 cartridge and a high quality slipmat for added control... offering the perfect set-up for optimum performance.
T62B Direct-Drive Turntable
Through Stanton's authorized dealers around the World, Stanton, or one of Stanton's authorized distributors outside the U.S., will, without charge, repair or replace, at the sole discretion of the entity responsible for making the repair or providing the replacement, any Stanton merchandise proved defective in material or workmanship for a period of one (1) year following the date of original purchase. Exceptions to this warranty are as noted: The warranty for mechanical parts which are subject to wear and tear are limited to the earlier to occur of thirty (30) days following the date of original purchase or the following number of cycles: Faders - 15,000; Rotary potentiometers - 10,000; and Switches - 10,000. Stanton will warrant all replacement parts and repairs for ninety (90) days from the date of original shipment. Repairs made necessary by reason of misuse, alteration, normal wear, or accident are not covered under this warranty.


text:
Local News
Latest News Headlines
• Anderson, Pruismann elected as NEH school board president and vice president.
• Webster City Airport Commission to meet Tuesday afternoon.
• North Central Correctional Facility investigation
• Webster City Community School Board to meet Monday evening.
• Hamilton County Conservation Board to discuss Gordon's Marsh Tuesday.
Current Conditions


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Terms & Conditions.
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This print by Pop Chart Lab maps 100 years of baseball lore at two iconic parks that stood at East 161st Street and River Avenue in the Bronx. The exploits of all-stars like the Babe, the Captain, Scooter and Donnie Baseball are depicted on a map of this hallowed ground.
Printed on 100lb archival recycled stock certified by The Forest Stewardship Council. Each print is signed and numbered by the artists. Open edition. Unframed. Signed.
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Honda Motorcycles
Honda has been a leading provider of automobiles since the Japanese Industries boomed. Their motorcycles, as any bike enthusiast will tell you, are a pleasure to ride, and among the best motorcycle brands if you were to count a few on your fingers!
The many moods of Honda bikes!
Honda has provided the world with all kinds of two wheelers, apart from their cars of course. They gave us some serious heavy machines in the seventies and eighties, and still make some of the best racing motorcycles in the 500cc and plus categories. On the other hand, the enterprising company that Honda is, they have also captured a good share of the world mini scooter market. What with gear-less scooters getting really popular in the Eighties, thanks to Honda motorcycles, we saw many more women riding scooters than ever before! The one touch self starters, fine suspension and easy handling made the Honda scooters a hit with many a family – everyone could ride one with ease! During the eighties, Honda collaborated with India's 'Kinetic', to produce the grand success story of the 'Kinetic Honda', a scooter that became an overnight dream come true for women all across India, and a pleasure own. Remember, this was a time in India when all that you could get in terms of two wheelers was focused totally on the needs and preferences of the male rider. The introduction of the Kinetic Honda provided a welcome change to the modern Indian women of the eighties! As long as we are talking India, Honda motorcycles later collaborated with the "Hero" group, to bring out the Hero Honda, arguably the most sought after honda motorcycle for sale in India, to date – thanks to its mileage, something like eighty kilometers to the liter on its four stroke engine. Today Honda has its own independent showrooms across the whole world, without collaboration – the Honda Active scooter is the current talk of the town here…
Honda motorcycle identityHarley Davidson fans associate an attitude with the brand…while it's not the same with Honda motorcycles– everyone from a sixteen year old to a sixty year old could find something with Honda! It is surprising to see the success that Honda motorcycles has had in every department of motor vehicle, with every type. Especially the Honda Goldwing Motorcylces are extremely famous and very close with fans attitude and brand. You could literally start out with a mini scooter at 16 yrs of age, graduate to a hundred cc at 17, and work your way up to the powerful mean machines along the years – once you get hooked to Honda motorcycles, you probably won't want another brand.
As any Honda rider would tell you, their vehicles give them years and years of riding pleasure, and rarely break down at all – be it a mini scooter or a 100cc or a 500cc.


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Separate from Butler's university-wide Honors Program (which, to
clarify, is the only route through which students can earn
University/Latin Honors), Departmental Honors can be obtained by
students for their primary and/or secondary majors -- in this case
the Modern Languages department.
Note: Students receiving Cum
Laude/University Honors cannot also receive base-level
Departmental Honors.
(Base level)
A 3.6 or above GPA in the academic major.
A 3.7 or above GPA in the academic major AND successful
completion of a portfolio project
(guidelines below) in Modern Languages ... OR of a thesis approved by the Modern Languages
department AND the university-wide Honors Program.
Also available ...
(Requires participation in University-wide Honors Program)
A 3.800 GPA academic major and successful completion of a portfolio project (guidelines
below) in Modern Languages ... AND of a thesis approved by the Modern Languages
department AND the university-wide Honors Program.
For High Departmental and Highest Honors, students must
successfully complete a Modern Languages department portfolio
project and/or write a thesis. Below are the expectations for
the portfolio project which evaluates skills in speaking, reading,
writing, listening and culture developed over the undergraduate
academic career.
Student honors portfolio projects are expected to be a
collection of material and experiential written narrative
descriptions of important moments and stages in development
throughout the years of language study at Butler University. These
"artifacts" and syntheses (in the
target language) will serve to demonstrate a clear line of
growth and improvement in key components of language study as well
as a careful reflection on the student's own educational
development in general. Length of the project is flexible but the
content should guarantee a comprehensive overview of the student's
undergraduate experience. In addition to this written portfolio
narrative collection, students will be expected to present their
project to the department in a twenty minute oral forum during the
spring semester of the student's senior year.
The portfolio will contain five sections of written narratives
and "artifact" collections based upon the following criteria and
Students should, through their presentation and examples
provided, offer evidence of the ability to conduct a sophisticated
oral argument on abstract and concrete topics in the target
Students should show evidence of ability to read extensive and
authentic texts with a high degree of understanding.
Students should be able to structure coherent and sophisticated
arguments in the target language. Writing should display sound
acquisition of grammatical structures and vocabulary with competent
linguistic accuracy.
Students should demonstrate ability to comprehend spoken
utterances of native speakers with little difficulty.
Student should demonstrate knowledge of formal and informal
aspects of international cultures as well as the ability to think
effectively about social, political, ethical, and moral issues.
Students are asked here to synthesize their experiences and
comment on their own intellectual growth during their studies. Here
are some sample questions to which you may choose to respond.
How has your study of language, literature, and culture enhanced
your life and your global appreciation?
In the film Dances with
Wolves, the Kevin Costner figure experiences a gradual
transformation from understanding virtually nothing of the language
and the culture of the Indians, to slowly understanding some
things, and finally becoming culturally and linguistically fluent.
Would you describe your experience with your language of study in
these terms, or would you propose a different analogy which better
fits your "transformation"?
Have you had experiences throughout this language learning
process which you would describe as emblematic (symbolic?
metaphoric?) for your development? Why?
What were some of your motivations in learning this foreign
language? Did these change over time? Which things helped you most
along the way, which impeded your progress? Were there things you
would have done differently, if you were to go through the program
again? Why?
This portfolio project requires active organization and
collection of materials throughout your academic studies at Butler
University. Keep this project in mind as you complete courses and
move on to others.
Do Not Throw Everything
Meet with your advisor in your foreign language during the first
semester of your senior year to begin coordinating completion
schedules and due dates for the project.
© Butler University•4600 Sunset Ave., Indianapolis, IN 46208•Phone: (800) 368-6852•CONTACT US


text:
- This article is about the (original) killer whale Shamu. For other uses, see Shamu (disambiguation) or Shamu (SeaWorld show)
Shamu was the first orca to survive more than 13 months in captivity and was the star of a very popular killer whale show at SeaWorld San Diego in the mid–late 1960s. She was the fourth killer whale (orca) ever captured (the second female).[1] After her death in 1971, the name Shamu continued to be used in SeaWorld "Shamu" orca shows for different killer whales in different SeaWorld parks.
Shamu represents the first intentional live capture of a healthy orca. The three previous orca captures ("Wanda," Moby Doll and Namu) had been more opportunistic.[2] The very young, 14 foot (4.25m), 2000 lb (900 kg) Southern Resident orca was captured by Ted Griffin in Puget Sound in October 1965 to be a companion for the orca Namu at Griffin's Seattle public aquarium.[3][4][5] But the new orca was soon leased to and then purchased by SeaWorld in San Diego in December 1965.[3] Her name is presumably a portmanteau of "she" and "Namu."[citation needed] She was retired from performing after an incident in which she grabbed and refused to release the leg of a female SeaWorld employee who was riding her as part of a filmed publicity event.[6]
- ^ "A listing of dolphin/whale captures..." at pbs.org
- ^ "Stories of Captive Killer Whales," PBS link
- ^ a b "SeaWorld Investigation: Secrets Below the Surface". KGTV San Diego. Retrieved 2008-05-05.
- ^ "The Killer in the Pool", Zimmermann, Tim, Outside Magazine, 2010 July Retrieved 2010 July 12
- ^ "Granny's Struggle: A black and white gold rush is on", Lyke, M. L., Seattle Post-Intelligencer 2006 October 11 Retrieved 2010 July 12
- ^ Eckis v. Sea World Corp. [Civ. No. 14458. Court of Appeals of California, Fourth Appellate District, Division One. November 19, 1976.] [64 Cal. App. 3d 1] (justia.com link)


text:
Fewer officers died in the line of duty nationwide this year, but Georgia had the second highest number of police deaths.
According to The National Law Enforcement Officers Memorial Fund, 127 officers have died on the job this year.
That's down from 165 last year and 154 in 2010.
One Dougherty County H.E.A.T Officer says traffic stops are one of the most dangerous parts of a cop's job and drivers should be more aware of officers on the road.
"Slow down, get off the cell phone, stop texting, no internet operations on the phone, pay attention to your driving. I assure you being in a hurry is not worth killing somebody or yourself over," said Officer Reggie French.
Last year, Albany Police Officer Terry Lewis-Flemming died in a patrol car crash.
In 2010, Dougherty County Police Lieutenant Cliff Rouse was shot by an armed robbery suspect.
Texas had the highest number of deaths this year at 10, followed by Georgia with 8.
Copyright 2012 WALB. All rights reserved.
P.O. Box 3130
Albany, GA 31706
(229) 446-1010
FCC Public File
(229) 446-4005
EEO Report
Closed Captioning


text:
NSW Sustainable Renting Guide
NCC has put together the NSW Sustainable Renting Guide, with the assistance of the NRMA Insurance Community Grants Program, to provide you with a guide on how you can live sustainably when renting.
The Guide begins by looking at the law governing residential tenancies. In Chapter 2 we provide suggestions as to what to look for when reviewing properties and what minor alterations that you could make with your landlord's approval once you have moved in.
At the end of the chapter there is even a Checklist for you to take with you when viewing potential properties. The guide also provides tips on actions that you could take regarding food, transport, waste, chemicals and community action.
Although we don't claim to have all the answers, we hope we have given the tenants of NSW a comprehensive guide to living sustainably when renting.
Simply download the attachment for your copy of the NSW Sustainable Renting Guide today.
|COMMUNITY RENTER'S CHALLENGE-lores.pdf


text:
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Member Since: July 2009
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text:
State legislatures around the nation have spent time and tax dollars debating official state foods.
CLICK HERE to see the slideshow
David Gray/Reuters
Legendary Olympic swimmer Michael Phelps, the most decorated Olympian of all time, was arrested early Tuesday in Maryland on a DUI charge, according to the Maryland Transportation Authority.
Phelps, known as the "Baltimore Bullet" and winner of 18 Oly...
U.S. Secret Service Director Julia Pierson called an incident in which a man scaled a fence and entered the White House "unacceptable" and told a congressional committee Tuesday that she takes "full responsibility."
Omar Gonzalez, a 42-year-old knife-...
REUTERS/Phil McCarten
Walmart's response Monday to a lawsuit filed by Tracy Morgan over the car crash that left him in critical condition elicited a response of its own on Tuesday from the recovering comedian -- and it doesn't sound like he's laughing.
"I can't believe Wa...
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text:
108 Eastman Street, Cranford, New Jersey, 07016 Tel 908.276.2418 Fax 908.276.2419 email@example.com www.calvarycranford.com
Calvary Nursery School & Child Care (CNSCC) is located at 108 Eastman Street in Cranford. The school offers a morning Nursery School Program, full-day Child Care Program & a Kindergarten Wrap-Around Afternoon Program for Cranford public school students.
CNSCC is proud to begin their 18th year of providing the best in early childhood education and care to the community, as part of the ministry of Calvary Lutheran Church. The play-based, year round program is licensed by the State of New Jersey and serves children age 2 ½-6 years.
For further information contact:
Stacy Nick, Director 908-272-3962 or firstname.lastname@example.com
Nursery School Office 908-272-3962


text:
Oval Amethyst and White Topaz Earrings in 14K White Gold
Item #: 45927 |Model #: AE1181-AMWT | (1) |
Purple is the color of royalty and nobility so feel like a queen in these beautiful amethyst earrings!
Set in 14K white gold, these amethyst and white topaz earrings add the perfect amount of color to any outfit.
- 14K white gold
- High polish finish
- Prong setting
- 2 total 7x5 oval amethyst center stones
- 36 total 1mm round-cut white topaz accent stones
- Friction back closures
Assembled Country
Component Country
Ask & Answer
Shipping InformationShipping Included
Warranty InformationThis product is covered by the Sam's Club Member Satisfaction Guarantee.
There is no additional information available for this item.


text:
Top Stories
Pleasant Township discusses problems
Butler hosts annual President's Donor Dinner
Andover Middle School teacher accused of sexual misconduct resigns his position
Butler County Rescue Squad hosts heavy vehicle rescue training
Leon Harvest Home Festival: True sign of autumn
Pleasant Township discusses problems
Butler hosts annual President's Donor Dinner
Butler County Rescue Squad hosts heavy vehicle rescue training
Leon Harvest Home Festival: True sign of autumn
City of El Dorado receives two awards from state
Court News
Trustees move ahead with roofing project
El Dorado BOE approves change to allow maintenance fund
Augusta BOE receives cost figures on storm damage
Family, friends of accident victim donate to BCC scholarship fund
El Dorado Rotary hears Jared Estes' story
Police & Fire
Andover Middle School teacher accused of sexual misconduct resigns his position
Lions Club makes donation to Dept. of Safety
Tales of Butler County part 3: Murderess receives life sentence
Tales of Butler County: Confession in 1939 murder reveals motive Part 2
Tarrant pleads not guilty to stabbing roommate
State News
Top Stories
Last second FG lifts Andover past Ark City
Rockets rally for win over Wildcats
Bullpups outpace Augusta 32-20
Crusaders dominate Circle
Central goes on the road to beat Goddard 28-7
High School
Last second FG lifts Andover past Ark City
Rockets rally for win over Wildcats
Bullpups outpace Augusta 32-20
Crusaders dominate Circle
Central goes on the road to beat Goddard 28-7
Top Stories
Stephen Shupe's summer movie picks
Movie review: �Tusk� - he is the walrus, goo goo g�joob
Costello: With release of Destiny, I finally broke down and bought a PS4
Ben Kingsley double dips in animated �Boxtrolls�
Elle Fanning likes animated feistiness
Book Notes: Tavis Smiley looks at MLK�s last year
Augusta library expands movies
A change of venue: Boston crime author Dennis Lehane�s first movie script set in Brooklyn
Book Notes: How much does reader need to be told?
Celebrity News
Stephen Shupe's summer movie picks
Movie review: �Tusk� - he is the walrus, goo goo g�joob
Costello: With release of Destiny, I finally broke down and bought a PS4
Ben Kingsley double dips in animated �Boxtrolls�
Elle Fanning likes animated feistiness
The Farr Side: Will �The Voice� ever produce a star?
Peter Chianca: The review from the cheap seats
The Farr Side: Crossover stardom for Taylor Swift
Sweet Adelines to perform at Andover Central High School
Talent Shows
TV Guide
Top Stories
Health Watch: Tips to get the recommended amount of fruit in your daily diet
C.A.R.D.S. brings joy to families of deployed troops
Berner, Schuman exchange vows
Wagners celebrate 65th anniversary
First Christian Church to host chicken noodle dinner
C.A.R.D.S. brings joy to families of deployed troops
First Christian Church to host chicken noodle dinner
Micheal Harmon: The best in life
Berner, Schuman exchange vows
Wagners celebrate 65th anniversary
Dr. Elaine Heffner: Parents and teachers
Family Time: Keep kids out of your medicine
Greens celebrate 60th anniversary
Kitchen Call: Easy cooking with a broken foot
Food for Thought: Swap ingredients for healthier fare
Kitchen Call: Pretty vegetables yes, but practical?
Food for Thought: Foods for better moods
Kitchen Call: An end-of-summer potpourri
Health Watch: Tips to get the recommended amount of fruit in your daily diet
Dr. Murray Feingold: We have a major mental health crisis
Health Watch: A half-hour will do
Health Watch: Personalizing health goals
Dr. Murray Feingold: We all suffer from the �Sunday night blues�
Home & Garden
Indulge all your senses with affordable home luxuries
Dear Monty: 10 great tips to start your home search
Home Help: Home makeover in a weekend
How to remove summer stains from outdoor furniture
Dear Monty: 7 items to check about a home�s condition
Peter Chianca: Above and beyond the call of doggies
Top Stories
Erin Fox: The days to come
Kent Bush: Goldfish are orange, attorneys see red
Matthew T. Mangino: Federal government complicit in militarization of police
El Dorado City Commission applauded for taking public input
Viewpoints 9-18
Erin Fox: The days to come
Kent Bush: Goldfish are orange, attorneys see red
Matthew T. Mangino: Federal government complicit in militarization of police
Micheal Harmon: The best in life
Charita Goshay: Nothing hip about bloodshed at Kent State
El Dorado City Commission applauded for taking public input
Editorial: Another 9-11 spent trying to keep war from our shores
Viewpoints 9-18
Letter to the editor - School funding
Viewpoints 9-16
Viewpoints 9-13-14
Viewpoints 9-11-14
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Book Review: BBC Doctor Who - The Dalek Generation
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Recent Posts
Theater Review: Hair Live at the Hollywood Bowl #HAIRatthebowl
Aug. 3, 2014 5:20 a.m.
#fantasiafest Fantasia International Film Festival Reviewed! - @WOLFCOPTheMovie , @Patchtown
Aug. 1, 2014 12:01 a.m.
Sketch Comedy: Hot Ice Cream
Aug. 1, 2014 5:20 p.m.
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July 30, 2014 12:01 a.m.
@fantasiafest Fantasia International Film Festival Reviewed! - The Man in the Orange Jacket, @cybernaturalmov!
July 29, 2014 12:01 a.m.
March 26, 2013 5:25 p.m.
Review by Eliot Hochberg
Books are different from TV. I know, this is self-evident and probably makes me sound like some post-modern wanna-be douche. But go with me, I'm going to try to make a point.
In TV, emotions and thoughts of characters are generally communicated by their facial expressions and actions. Sure, sometimes characters just spell everything out, but not everything is (insert joke about what you, the reader, think is a badly written TV show here). The viewer is given some of the heavy lifting in TV, because it is left to us to decide what that long look the actor, director, and editor chose actually means. Jealousy? Anger? Hunger? Having edited a bunch of stuff, let me tell you: a surprising number of "waiting for the camera to roll" facial expressions make it into an actual edit.
On the other hand, books are all about the thoughts and emotions of a character. They are literally (literally literally) spelled out. "John felt this, Mary thought that." Sure, a good writer can craft a very complete description that a good reader can interpret. I know this to be true, for say, J.R.R. Tolkein, since I've never met Peter Jackson, and yet somehow he got 90% of all the people, creatures and locations exactly right, at least to my eye. I don't mean plausibly. I mean
the way I pictured them when I was a teenager. And I'm not trying to imply that I'm some kind of wizard at reading. I give the credit to Tolkein for being so good at description.
Still, even with all that great description of what someone looks like, and all of those very accurate descriptions of feelings and thoughts, the writer still must depend on the reader to visualize how the character will look while having those thoughts.
Now I come to my point: books like BBC's
Doctor Who - The Dalek Generation
have an interesting challenge. Doctor Who has, for most people, only been a TV show. Thus, most of us have never actually heard the Doctor's thoughts or feelings. When he stares at the camera and then suddenly decides it's time to RUN! or mess with the bad guys, or use the sonic screwdriver, we don't really know what he's thinking. He could be seeing all of time right in front of his eyes, or wondering why he is still doing this after aeons have passed, or trying to remember a particularly keen crumpet recipe. It's really up to us as the viewers to interpret. Sure, we get clues based on things he's said to various characters, but we don't
This struck me as I first started reading
The Dalek Generation
. The author,
Nicholas Briggs
, who has a lot of Doctor Who bona fides, including numerous previous books (although who interestingly never wrote a Doctor Who episode), clearly has a good idea of where The Doctor's thoughts come from. Still, my first instinct was "I know The Doctor's thoughts? Am I supposed to know these?" Fortunately, Briggs does an excellent job of showing us just enough of what The Doctor is thinking without showing us everything. He also, however, paints a picture of a Doctor Who who, while certainly clever and able to anticipate his opponent's next move, also runs into a lot of
not knowing what's going on
. Which runs counter to my impression from the TV series that he was just
those around him that he didn't know. I kind of always assumed he just said that to put people off guard.
As for the story, I don't want to spoil it, but it definitely covers the equivalent of a 2-3 episode arc of the TV series. Obviously, the Daleks are involved, and they are acting uncharacteristically nicely. I found this a good twist, and of the appropriate order of magnitude of a Doctor Who adventure. There are also three young children who become The Doctor's companions for this tale, and they are fun to visualize. This story also has some sadness, some emotional conflict, and a good dash of bravado. I had a moment after I finished it of "wait, is that a plot hole?" Fortunately, a reread of the final chapter convinced me it all made sense. Otherwise, I found it to be satisfying in its ability to evoke the experience I get from the typical Doctor Who story. The author also does a good job of taking advantage of the medium by creating at least one race of characters that a TV production team would probably say "we can't do that, that would take the whole season's budget". Well done, there.
To be sure, this is light reading. There are some undertones of "what has a soft society come to?", and you could even cast the Daleks as a proxy for the government or corporations if you really tried. There are only a few passages that I could find that suggested this might actually be the author's intent. Meaning it's in there, if you want it to be, but it's not heavy handed. I read it on a 90-minute-each-way train ride, and it was perfect for that. Engrossing, not particularly challenging, but nothing that made me think "that's not what The Doctor would do".
What if you're not familiar with Doctor Who? It's really hard for me to say, as my knowledge of The Doctor makes it hard to fit in those shoes. Still, I believe the author does a reasonable job of limiting inside jokes and references, and explaining the characters that non-viewers won't be familiar with (The Doctor, the Daleks, the TARDIS) without becoming tedious for fans.
And for those fans wondering - this book (along with two more, which I'll be reviewing in short order) takes place apparently between the events of season 7, episodes 7 and 8, the latter of which will air on BBC America March 30, 2013.
For me, then, as a Doctor Who fan of probably the fifth order (I've never dressed up as The Doctor; I can't quote much except maybe "Run!", or "Exterminate!", or "Timey wimey" [which I actually kind of hate]; but I do insist on capitalizing the "The" in "The Doctor"), I found it to be worth the time and quite enjoyable. Should you spend the $10? I'll put it this way: it's a better way to spend 3 hours than most feature films that cost twice as much to see. Especially if you like the TV show.
Doctor Who: The Dalek Generation
by Nicholas Briggs
Published by Broadway Paperbacks
$9.99 cover price
Kindle/iTunes/Google est. April 2, 2013.
8 out of 10 Kaleds.
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Finding brochureBrochure Printing | EASY TUTORIAL. Read more ... » templates can save you plenty of time when you decide to make and print your own brochures. You should always check your word processing program to see if it already has built-in templates. Many of the higher-end programs will already have a template or two you can use. Even if it does not, checking also allows you to determine exactly what program you have, so you can effectively search for templates that will be compatible with your program.
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Why Bill Ackman's Key Argument Is Flawed
Shweta is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Herbalife's (NYSE: HLF) saga is becoming more interesting day by day. The battle lines are drawn and the players have big money/goodwill at stake. On the bullish side are a bunch of hedge fund managers including activists Carl Icahn, Dan Loeb, Robert Chapman; tiger cubs Patrick McCormack, Philippe Laffont; and Stephen Mandel. On the bearish side there is one man army of Bill Ackman. His friend/fellow short seller David Einhorn has publicly distanced himself from the dispute saying "When you look at the range of outcomes, it's so wide that it's not clear to me that I want to be long or that I want be short." His other friend, Whitney Tilson, has actually reported a long position in the call options of the company (It may be just to hedge any short position he has, but it does show Tilson's lack of conviction). Nevertheless, Ackman's $1 billion short position (out of which he hasn't covered anything yet) shows his high level of conviction in the bet.
For every stock, there are always two sides of investment argument. For Herbalife, I am sure readers will be familiar with both bullish and bearish side of the story. So, I won't rehash them again here. Instead, I will directly address why Ackman's key argument is flawed.
Distributing rewards > Retail profit does not imply organization is a pyramid scheme
Ackman's key argument is "if participants make more money from recruiting rewards rather than retail sales, the organization is deemed to be a pyramid scheme". He devoted the first half of his 334 slide presentation just to prove that Herbalife's distributors make more money from recruiting rewards rather than retail sales. More recently in Harbors Conference, he said that an organization in which participants makes more money by recruiting other distributors as compared to retail sales is deemed to collapse as eventually the organization would run out of interested distributors.
In this article, I will be showing why this argument is flawed with the help of an example.
Consider an MLM Company which produces and sells product X through its distributors. The average cost of production of X is $15. The company sells this product at $30 to distributors who in turn sell this product at $35 to Retail clients. For simplicity, let us assume 100% of sales are outside the network and there is zero self-consumption among distributors. Also, for this example let's assume recruiting rewards are limited only to the one level directly hired by the participant. (You may of course assume multiple levels of recruiting or upline rewards, but that would unnecessarily complicate things. Hence, I am avoiding it to keep things simple in this illustration).
Here are the incentives for distributors:
- $5 profits for retail sales
- $10 reward for hiring a new distributors
Other important conditions:
- Zero self-consumption
- Zero upfront cost for participation
- At least 1 sale to be classified as distributor
- No commission on sales made by down line distributors (for simplicity)
Suppose the MLM organization develops in a symmetric way where each distributor does two retail sales and hires two new distributors, until the final level "n" when the organization runs out of prospective distributors. In final level, since there are no willing new hires for distributors, existing distributors will do just a single retail sale each to qualify as distributor and will not hire anyone. The following diagram illustrates this MLM scheme when there are just four levels of distributors. (Please note that I have to assume organization develops in a symmetrical way to avoid unnecessary complication in developing model. In reality, it may be a different, more complicated structure but the outcome will be the same.)
Let's see how much do the participants in above scheme earn from retail sales and recruiting rewards if the scheme goes up to four levels.
At Level 1, Distributor D1 earns $20 for hiring D2 and D3 (recruiting reward) and $10 for two retail sales to R1 and R2.
At Level 2, Distributor D2 and D3 earns $20 each as recruiting rewards and $10 each for retails sales.
At Level 3, Distributors D4, D5, D6 and D7 earns $20 each as recruiting rewards and $10 each for retail sales.
At Level 4 or the final level, Distributors D8, D9, D10, D11, D12, D13, D14, D15 earns $5 each for retail sales and nothing for recruiting rewards.
The following table summarizes above outcome
Clearly, Recruiting rewards for this scheme are greater than retail rewards. In the above example, I have gone till four levels only. However, for any number of levels >1, the outcome will always be recruiting rewards greater than retail earnings. Does this makes above MLM company a ponzi or pyramid scheme causing great harm to its participants? The answer is No.
All participants gained in the above scheme. Participant at Level 1, 2 and 3 made $30 each. Participants at Level 4 made $5 each. Although participants at Level 4 didn't make as much as other levels, they did made money as there was no exorbitant fees to join the MLM.
The MLM company made 22 retail sales of $35 each or $770 in revenues. It gave $250 in recruiting and retail rewards, incurred $330 in product costs and netted $190 in profit before tax.
The MLM Company mentioned above is a 100% legitimate business with genuine customer base. So, clearly Bill Ackman's argument that if recruiting rewards are greater than retail sales than the MLM company is a pyramid scheme is flawed. This is not a sufficient condition to conclude that an organization is a pyramid scheme. (In fact this is not even a necessary condition for a pyramid organization. I can give examples to show that, leave your contact details/email in comments below in case you are interested).
The issue of internal consumption
One of the assumptions I have taken in the above case is that 100% of sales are outside the network. Will internal consumption change anything?
The issue of internal consumption is an interesting one and there have been a lot of debate going on it. Tupperware (NYSE: TUP), which is another MLM company, has put a detailed white paper on its website which describes two kind of MLM organizations "Sell and Earn" and "Save and Consume".
"Sell and Earn"
An organization in which participant's main aim is to sell the product and earn commissions.
"Save and Consume"
An organization in which participant's main aim is to obtain discount on the products which they are buying.
"Sell and Earn" is primarily suited for organizations which sells relatively high ticket items with less repeat purchase potential. For eg, Kitchenwares from Tupperware.
"Save and Consume" is usually good for organizations which retail items with low ticket sizes and have a good chance of repeat consumption like nutritional supplements or beauty lotions etc. This makes sense because if I am buying an item which I know I will be repeatedly purchasing, it makes sense for me to join the organization to get a discounted price.
Tupperware's CEO recently has praised his organization's "Sell and Earn" model. However one should understand that it has more to do with the type of product they sell: Kitchenwares requiring less repeat purchases. Tupperware has failed miserably when they tried to apply the same model to their beauty product offerings. North American sales of their beauty products have been on a decline for last several years and I believe it has more to do with their "Sell and Earn" model than anything else.
Thus, "Save and Consume" model is not inferior to "Sell and Earn" model. In fact, the type of model a company is using or should use is much more dependent on the type of products they are selling and whether their products require repeat purchases. As long as internal consumption is not just incidental to participation in a scheme, it is as good as external retail sales and it won't change anything in my example above. In fact FTC's 2004 advisory clearly states that "the amount of internal consumption in any multi-level compensation business does not determine whether or not the FTC will consider the plan a pyramid scheme."
To sum up, Bill Ackman's argument that Herbalife is a pyramid scheme because its distributors make more money from recruiting others rather than retail sales is utterly flawed and misleading. Also, Herbalife's "Save and Consume" model/ internal consumption cannot be held against it when compared to companies like Tupperware.
I am sure you must be wondering if recruiting rewards versus retail profit argument is clearly flawed why is it getting so much attention off late and is even seen in some of the FTC letters. Here's the answer:
Many organizations charge high joining fees and use a part of the fees from new joiners to pay older ones as recruitment reward. The rest goes to the promoters of organizations as profit. These structures where recruitment rewards and organization profits are not having retail basis are clear examples of pyramid schemes. The key here is high joining fee which makes a sizable amount of organization/ older distributor's profit share. If the contribution of joining fees to organizations total profit is not material, it is unlikely that the organization will turn out to be a pyramid scheme and attract FTC action.
ShwetaDubey has no position in any stocks mentioned. The Motley Fool owns shares of Tupperware Brands and has the following options: Long Jan 2014 $50 Calls on Herbalife Ltd.. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Is this post wrong? Click here. Think you can do better? Join us and write your own!


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La Quinta Inn Birmingham / Cahaba Park South
513 Cahaba Park Circle
Birmingham, AL 35242
Phone: 1-205-995-9990
Fax: 1-205-995-0563
From I-20/59: to I-459 north to Exit #19 east to U.S. 280, east one mile to Cahaba Park Circle. The hotel is located behind Burger King.
Detailed Map and Driving Directions:
Directions from Local Airport(s):
Birmingham Intl Airport
Head Southeast on Long Term Parking. Turn hard left onto Messer Airport Hwy. Bear right on ramp to I-20 W (I-59 S). Continue on I-20 W (I-59 S) for 3 miles. Bear right onto off-ramp at exit 126A. Take US-31 S (US-280 E, AL-3 S, Elton B Stephens Expwy, Red Mountain Expwy)Ramp and continue on US-31 S (US-280 E, AL-3 S, Elton B Stephens Expwy, Red Mountain Expwy) for 2.5 miles. Bear right onto off-ramp to US-280 E (AL-38 E). Continue onto US-280 E (AL-38 E) for 6 miles. Turn left onto Cahaba Park Circle. Arrive at La Quinta Inn Birmingham.


text:
Art Direction: Activity 1
Creating the Look
Art direction is a broad concept encompassing many visual elements of film production—set design and construction, locations, décor, props and costumes. Over the decades, the nature of art direction has changed considerably. The first film sets were devised by pioneer French filmmaker Georges Méliès at the turn of the 20th century. With their painted backdrops, Méliès' sets resembled traditional theater scenery—immovable and two-dimensional. In 1916, D. W. Griffith's silent epic Intolerance made cinema history, in part because of its full-scale sets. Unlike his predecessors, set builder Frank Wortman considered Griffith's moving camera when designing for Intolerance, devising a completely integrated, three-dimensional space.
William Cameron Menzies, designer on such classics as Gone with the Wind (1939), is considered the father of modern production design. Menzies' sweeping cinematic vision and distinctive personal style helped elevate the art director's position in the Hollywood hierarchy. In the 1950s, as film production became more costly and complex, the scope of art direction expanded. Studios recognized the need for full-blown production designers—artists who would be responsible for the overall look of a film—not just the sets.
Production designers collaborate closely with the director and cinematographer to visualize the screenplay. Together they determine how visual components can best be combined to tell the screen story. As award-winning production designer Patrizia von Brandenstein notes, "The most beautiful ballroom on earth means nothing unless it helps the context of the story." When devising sets or considering locations, production designers must first determine the volume, or overall size and shape of a space. Does the scene call for a large, rectangular space, such as the Xanadu mansion in Citizen Kane (1941), or a claustrophobic enclosed space, such as the submarine in U-571 (2000)?
Just like painters, production designers exploit perspective to direct the viewer's eye toward a particular spot in a set or to create a sense of depth. Scale can be used to evoke feelings about a space. The stairway in Scarlett O'Hara's Atlanta mansion in Gone with the Wind, for example, is outsized. Its large size suggests Rhett's excesses and his power over Scarlett. This sense of power becomes especially obvious when Rhett forcefully carries Scarlett up the stairs to the bedroom. Although architectural elements apply most significantly to sets, they can also be used in location filming. The mental institution in One Flew over the Cuckoo's Nest was a real place, but its chain-link fences and barbed wire were manipulated to emphasize the inmates' feelings of oppression.
Ultimately, what separates production designers from their theater equivalents is the camera. Every set or location must accommodate the camera's changing three-dimensional view. Whether the camera itself is moving, or the framing is changing, the set should facilitate the movement. A good designer will consider how the set or location will look from various angles and distances, and in different lighting conditions, as demanded by the script.
Encourage your students to "see" the architectural components of production design by studying photos or paintings by artists like Vermeer and Giotto and point out examples of the defined architectural terms. Then have them focus on one scene in a selected film and discuss how camera movement and lighting work with the basic set design.
Supplementary Activity:
Have students videotape a short scene in various locations around school, including at least one outdoor setting. Screen the tapes and discuss how the architectural elements in each setting affected the scene. Alternatively, have students photograph or draw various locations around school and discuss how a scene could be set in each setting..
PDF Downloads
Complete Art Direction Activities Guide (PDF)
Activity 1: Creating the Look
Activity 2: Setting the Stage
Activity 3: Color and Texture
Activity 4: Learning from the Best


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Anteks Home Furnishings
Location1135 Dragon St.
Dallas, TX 75207 | Get Directions
214-528-5567 (phone)
Official Website
Official Website
NeighborhoodDesign District
CategoryFurniture and Accessories
Price$$$ (Expensive)
After a 20-year stint on Lovers Lane, Jason Lenox decided to make the move to the Design District a little more than a year ago. Now situated in an 8,000-square-foot showroom, Anteks maintains its reputation for "sophisticated rustic" furniture. Lenox also enjoys combining unlikely elements. "I like upholstering pieces of furniture in different types of materials—old rugs, old blankets—and I like taking classic rustic frames and upholstering them in modern fabrics like mohair, things you wouldn't expect," he says.
What's Nearby
- Bleu Artichoke Cafe New American 0.1 miles away
- Bridge Bistro Cajun 0.2 miles away
- Shooters Casual 0.5 miles away
- Luna de Noche Mexican 0.5 miles away
- Kenichi Japanese 0.5 miles away
- Community Beer Co. Breweries 0.2 miles away
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MANCHESTER, New Hampshire — As voters here head to the polls today to help decide who will be the GOP's presidential nominee, some voters are turning away from front-runner Mitt Romney because of his ties to Wall Street and history at Bain Capital. Speaking outside campaign events and polling places, voters told ThinkProgress they worry Romney is a "corporate raider," who wants to "turn the government into a corporation," and who says he wants to create jobs in the U.S. but has outsourced them to other countries. Watch our video report:
VIDEO: New Hampshire Voters Worry Romney May Be A 'Corporate Raider'
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