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The ITS Help Desk is your point of contact for all information technology issues. The ITS Help Desk provides technical support to UWF students, faculty, and staff on a variety of university technology services.
Check back often to view our technology spotlights.
The University of West Florida Information Technology Services (ITS) is now providing Microsoft Office 365 ProPlus to UWF students at no cost via the Microsoft Student Advantage program. The software includes Microsoft Word, Excel, Access, PowerPoint, and more. Students may install the software on their personal computers and mobile devices. For more information on Office 365 and step-by-step instructions on installation, click here.
Atomic Learning is a video-based technology training tool. Students can find video instructions on everything from Microsoft Word, Excel, Access, eLearning, Adobe, programming, web design, and much much more. You can also find video instructions on APA, MLA, and Chicago research styles; avoiding plagiarism; and Career Skills. The Atomic Learning app is available now by searching in MyUWF. For more information and step-by-step directions on Atomic Learning, click here.
Run eLearning's System Check to make sure your computer meets the eLearning requirements.
Answering your UWF technology questions.
Call: (850) 474-2075
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Friday: 8:00 A.M. - 5:00 P.M.
Email: email@example.com
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The admitted murderer of Clay County Sheriff J. Matt Sizemore in 1969 entered a not guilty plea Monday in Clay Circuit Court.
The former owners of two Manchester pharmacies, Charles Terry Tehnet and Melissa L. Tenhet, have been indicted by a federal grand jury for allegedly distributing oxycodone from March 2011 through September 11, 2012.
Mark Hoskins, one of three newly-elected members of the Clay County School Board, was selected to be that body's new chair Monday night. Roy Glenn Allen, also a new member, was selected vice-chair.
Three more people have been added to the list of defendants the federal government says conspired to distribute oxycodone in Clay County.
Editor's Note: Readers of the Enterprise periodically inquire about the status of criminal and civil cases that have occurred over the years. Many of the cases have been resolved in the courts, and some have not. This article is the latest in a series that will occasionally appear about such cases.
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subset: commoncrawl


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Cert Verification
When you see a listing of a PSA item for sale, you can verify the grade and authenticity of the item by simply entering the certification number below. With the PSA certification number, you can verify the authenticity and quality of the certified items you see for sale online as items actually evaluated by PSA experts. After you receive the item, it should have the same PSA certification number, grade, and description.
Just enter the certification below to verify any PSA-graded card:
According to the PSA Certification Database, the requested certification number is defined as the following:
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The PSA Financial Guarantee of Grade & Authenticity is fundamental to PSA's concept of third-party grading. The cash-back policy ensures the accuracy of the grade assigned to any PSA-graded card as long as the card remains in its tamper-evident holder.
PSA guarantees that all cards submitted to it shall be graded in accordance with PSA grading standards and under the procedures of PSA.
Click here for an important note about the PSA Holder.


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Smalto Adviser is at your disposal at
+33 (0)1 .220.127.116.11
Contact us: by phone 0 811 480 420 (9:30 – 6:00, M-F, excluding holidays) or by mail: email@example.com
V-necked cotton pulloverS9-K2-CE0013
This cotton sweater is easy to wear and will always retain its Smalto elegance. The finish of the vee-neck offers a touch of refinement. You can wear it with a pair of our jeans for relaxed chic.
Collar : V neck
Sleeve : long
Composition : 100% cotton
Do not dry your sweater in the dryer. Gently wring it to avoid tearing the cotton and place it flat to dry naturally
Express delivery to France – 15€ : Your parcel will be carefully delivered in hand and signed-for, through an Express 24hr to 48hr service to France, as soon as your items are available to ship. If you are not present when delivery is attempted, your parcel will be available for pickup at the post office closest to your home.
Same day delivery to France – 25€ : Your order placed before midday will be delivered in the evening between 5.00pm and 9.00pm, at the destination of your choice in Paris, Levallois-Perret and Neuilly-sur-Seine, by courier driving an electric vehicle.
Delivery to the euro zone – 15€ : Your parcel will be delivered in hand signed-for within 5 days, as soon as your items are available to ship. A note will be left in your letterbox and a second delivery will be attempted if you are not present the first time, in order to ensure the good reception of your goods. Deliveries are carried out Monday to Friday.
Return conditions : You may return any Smalto item that does not suit you, within 7 days of receiving your order by request by email to the customer service. Items must be returned in their original packaging and unworn.
Packaging : Your Smalto suits and outerwear pieces will be delivered in a suit cover, individually packed in a giftbox baring the colours of the House of Smalto.


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Main Content
Hoodies are a staple in your wardrobe, but you always need to find the perfect one. Complete any cute look with this Together Again hoodie from Billabong. The sleeves feature a discharge-printed tribal pattern while the front pocket displays an embroidered canvas brand applique. You'll be super comfortable with the sweatshirt's tri-blend, brushed back fleece fabric that is super soft.
- 56% Recycled cotton/ 35% Polyester/9% Rayon
- Discharge printed graphics
- Embroidered canvas patch
- Full length zipper
- Hood with drawstring
- Imported
- Two front pockets
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Forty-seven of your favorite gemstone give this royal emblem added elegance. Chain is approximately 16 inches in length. Choose your gems and metals. See Details
Gemvara jewelry is truly personal: you design it, choosing gems and metals to celebrate your story, and we craft it just for you. We'd love to help you find your perfect piece! (more)What quality are your gemstones?
They are all-natural and hand selected fine quality. (more)


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Have you finished your Christmas shopping yet?? Me neither! But when you're all done and ready to start wrapping, make sure you have cute and festive gift tags to complete the package. We've rounded up some fun, FREE gift tags that you can print yourself:
Visit each website to download and print out your tags. And remember- these are for your personal use only. Happy wrapping!
{Related Posts}
DIY: Make Your Own Gift Card Snow Globe
Frugal Christmas Gift: DIY Hand Stamped Coasters
Frugal Christmas Gift: DIY Hand Painted Artisan Earrings


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A pair of one-day races in France (GP d'Isbergues-Pas de Calais) and Belgium (Omloop van het Houtland-Lichtervelde) lie ahead Sunday and Wednesday, respectively, for the BMC Racing Team.
House's Top 10 Finish
With several members of the BMC Racing Team headed to the world championships, the team will look to Alessandro Ballan and Danilo Wyss at GP d'Isbergues, Directeur Sportif John Lelangue said. "We know those two will be more efficient in a sprint if only 20 or so riders are left at the end," Lelangue said. Wednesday's race might suit Cole House, who finished ninth in Friday's Kampioenschap van Vlaanderen. "We'll try to be on the offensive with all our riders because they're all capable of being aggressive," Lelangue said.
GP d'Isbergues-Pas de Calais Roster (Sept. 19):
Alessandro Ballan (ITA), Martin Kohler (SUI), Karsten Kroon (NED), Steve Morabito (SUI), Mauro Santambrogio (ITA), Michael Schär (SUI), Danilo Wyss (SUI), Simon Zahner (SUI).
Omloop van het Houtland-Lichtervelde Roster (Sept. 22):
Alessandro Ballan (ITA), Chad Beyer (USA), Cole House (USA), Mauro Santambrogio (ITA), Michael Schär (SUI), Danilo Wyss (SUI), Simon Zahner (SUI).
Sport Director:
Fabio Baldato (ITA)
Doctor: Giovanni Ruffini (ITA). Mechanics: Ronald Ruymen (BEL), Nick Vandecauter (BEL). Soigneurs: Graeme McCallum (RSA), Eddy De Groote (BEL), Chris De Vos (BEL). Bus Driver: Francis Bur (FRA).


text: I inherited a bow. It is a Martin Magnum Jaguar. All of the arrows I shoot are about 6 feet too high. I put the sight at its highest point and the pin on the sight at its highest point and even at 10 yards the arrows are jumping above it. From the research I have done it seems like the timing might be off on the cams. Then i looked at the Martin website and noticed that this bow was made with a single cam system, and yet mine has a double cam. I tried to figure out how it has a double cam and can't seem to find any manufacture marks on the cams. The pro shop thought that the timing was off because of two holes that weren't matching with the limbs. I circled the holes in the photos. Anyone have any ideas? the pro shop guys said the knock and arrow rest were in the right positions.2012-02-13 20.08.59 - Copy.jpg2012-02-13 20.09.29 - Copy.jpg2012-02-13 20.09.59.jpgmartin panther bow.JPG


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Not So Plain Jane Birdcage
For mummies who love the shape and design of the Yummy Mummy but want to avoid the calories of a fairy cake motif, help is at hand with the Not-so-plain-Jane a pared down and grown up take on the best selling Yummy Mummy bag. This bag features the Birdcage print and with no fairy cake on the front or embellishment the bag is more refined but certainly not plain! On the exterior of the bag there is a zip pocket for essentials and two elasticated side pouches perfect for drink bottles or snacks. The bag comes with an adjustable shoulder strap that is long enough to fit over any pram/buggy handle bars. Internal Features: 2x insulated bottle holders, 2x nappy pockets, pen holder, key fob, mirror, phone pocket, small zip pocket, padded changing mat and wet zip bag.
38(L) x 14(W) x 28(H) cm
Wipe-clean with a damp cloth and some mild detergent, however, this will not eliminate all stains that may occur.
Main fabric -100% cotton canvas laminated with EVA coating (excluding trims). Lining - 100% nylon
Free Mainland UK standard delivery for orders over £50 (excluding Northern & Southern Ireland, Chanel Islands, Isle of Man, Scottish Islands and Scilly Isles)
For orders £50 and under delivery is £4.95. Next Day Delivery charge is £7.50 for orders placed before 12pm Monday-Thursday
Europe, Northern and Republic of Ireland standard delivery charge - £14.50
Rest of the World - £25.00 depending on country
Standard delivery: Providing your items are in stock we will aim to deliver your order within 2-3 working days, please note during our sale and peak periods you should allow up to 7-10 working days
Next day delivery: Providing your items are in stock and your order is received before midday we will be able to deliver your goods the next working day.
N.B Orders must be placed before midday for next day delivery. Orders placed on Friday before midday will be delivered the following Monday. Orders placed after midday on Friday or on Saturday or Sunday will not be delivered until the following Tuesday.
Pink Lining consider Saturday, Sunday and all Bank Holidays as non working days.
Feefo Reviews - Average 99% (321 reviews)
Product : I love their products! Have 2 changing bags and now a personalised nursery bag for my son. Brilliant quality and looks lovely.
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Product : I purchased this product as a gift for my niece and her new baby daughter as I knew she loved your products, I can honestly say she is absolutely thrilled with it and so am I. It really is beautiful and so practical. Thank You!


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So, I built a spaceship simulator for my son. I hope that it inspires him to have a life-long love for science and wonder. Enjoy! also AMA (imgur.com)
submitted 1 year ago by Its4ForScience
view the rest of the comments →
[–]daniekp 1 point2 points3 points 1 year ago (1 child)
Big ups for being an awesome dad.
[–]Its4ForScience[S] 0 points1 point2 points 1 year ago (0 children)
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"Wow - Koontz Cranks out another Hit"
Odd Interlude was released after Odd Apocalypse by six months. However, Odd Interlude takes place one day after Odd Hours ends and before Odd Apocalypse begins. For listening fans, this may be a little confusing at first if you've already listened to Odd Apocalypse because the timing is inconsistent with the character story arc. I went back and verified that the release dates were indeed out of sequence. No matter, Odd Interlude is a great story. One of the pleasant parts of this novel is the addition of a two kindred spirits: JoLeigh and Ed. I won't spill the beans on who they are and the roles they play in the story; but, I will comment that Koontz does a nice job in allowing them to fold effortlessly into this tale.
I really like the narration of David Aaron Baker. He has been the voice of Odd since the very beginning and his performance is excellent. He does a great job differentiating characters and imbuing them the emotion of the story.
If you are a fan of the series, you will like the story. Although this story does not rely on the supernatural as much as the others, it is a fun listen and I believe is much more filled with humor than the darker Odd Apocalypse. If you are not a series reader, you can read this novel first. It will leave a lot of open questions and spoil the first Odd Thomas novel and Odd Hours, but that will be the extent of the spoiling.
I continue to be a fan of the series. I hope to continue to see Oddy pick up some friends. I give a big thumbs up recommendation.
"A Woven thriller -- the series continues to rock"
In Personal Demon we finally see the see a lot more of Carl Marsden. Till this novel, he has been a rather minor character even in the novel he was introduced. We are also introduced to a new type of supernatural -- Hope Adam, again i minor character from an earlier series. Paige and Lucas are back and we see some kicking of butt in the Cabals. One of the things I like about Armstrong is she doesn't recycle plots. She always has some original, something thrilling. Romance is a background for her story, binding the plot points together instead of being the itself.
In this novel, there were two narrators which worked okay. I think is prefer one and Merlington gets my vote. If you read the series, this is a definite good read, it may stand on its own but you are missing a great deal. Give it a read.
"The Series Gets Richer and Ricer in intrigue"
In order to appreciate this novel you have to start at the beginning. In Origin, the DoD takes the stage front and center. I will not say more about this; but what is outstanding is the way Armentrout continues to widen the the plot. In the first novel, you get lulled into thinking this is a trite YA romance about aliens, and by this book she has widened the scope and brought many serious issues to bear. She masterfully brings up relevant issues that affect us in society today. If you look beyond her story for her message, I think you'll be impressed with the questions she raises and her opinions she has offered so far.
In this book, Eyre reads from Kat's POV and Shapiro from for Daemons's. This narration is especially potent in the audio book, I am not sure it would be as good if you were reading it. The author's ability to use dialog to move the story forward is excellent as is her character development. I highly recommend the book and I can't wait for the final outcome. If the last four books are any indication, it should be a hit. I hope so, because book three of Divergent and Hunger Games were such a disappointment. That said, on to book 5.
"An excellent turn into suspense and thrill"
At the beginning of the series, you might be lured into thinking this is a YA teen romance. Well it is and it is very much not. In the second novel, much more Divergent esq., Armentrout does a fabulous job broadening the focus of the novel with surprising turns. Daemon and Kat are back and they stop the petty fighting and unite on a common goal -- can they overcome the DoD, who can the trust?
Okay, Eyre does a great job narrating. If you are are a fan of hunger games, divergent, steelheart, etc. You will love the series and book 2. Give it a read.
"Supernatural Teens Series Looks Promising"
ET meets Twilight in this teen novel. Daemon is an alien alright. Katy is the heroine and is really is a great counterpoint to Daemon. What you will really like the unfolding of the mystery of the story. They are many parallels to Twilight if you swap out vampires for aliens and roll everyone back to high school.
The narrator's voice at the beginning is very annoying. But after a while, it settles in okay. It's hard to describe why it is not great; but it Eyre's voice doesn't detract too much from the story; so I'm not going to ding it. This is a good teen novel for all ages.
I recommend it for a nice end of summer beach read.
"Hilarious and a Direct Hit - Must Listen"
Okay, I didn't know what to expect. Within 20 minutes I was hooked. I was listening while BBQ'ing outside.When I came in my wife said, "you look crazy out there laughing to yourself while your flipping our burgers. Good thing I know you." It's not that this book is so side splitting, it's that Alkon can turn a phase and pick a perfect analogy. MacDuffie does a fabulous job on the narration.
If you want to know how to handle you pesky neighbors, get those people at work to stop asking when you are getting engaged, or just how to say 'no,' then this book is for you. This is definitely for a person who does not mind strong language and suggestive analogies -- so if these things bother you, you should avoid this book. That said, Alkon goes on to be funny without being vulgar -- a neat trick. She also backs up her advice with reference to the latest psychology ; but, that part of the book is very scant so don''t get too nervous.
I recommend that you listen to this -- it is well worth you time. I bought a print copy for my daughter to read -- she is going to love it.
"Familiar Story-line - Few Twists"
I think that this work has a pedestrian plot-line, damaged woman with trust issues given up hoping -- in comes hero. Mayberry does a good job with prose. I would have given this book three stars overall if it weren't for Zackman's strong performance. I didn't think this book rose to the level of complexity that I would like to see in this genre. I want more complexity and backstory -- Mayberry fails here. Depth is lacking.
Give this book a listen if you are at the beach. It certainly is a feel good book and if you are in the mood for a happy ending without a great deal of drama -- go for it.
"Intricate tale of motherhood and redemption"
Little Earthquakes is a novel that follows the lives of three women from shortly before their first born through their next nine months. The fourth woman is the main character, Leeia, and is a woman who recently lost her son Caleb. Weiner does an interesting job of weaving four plot lines with at least the premises together in a story that works. You really feel the joys, the sorrows and the emotions pour through in her work. I like very much that she chose the right level of drama.
This is a novel that will appeal to those who have had children and are they are more grown -- perhaps teens or older. I would expect for those couples going through it, they might say it was too tidy of a story because they are in the soup . What I like most was Weiner's ability to get you to connect with women's problems in a way that made them understandable, likable and realistic.
Johanna Parker is fabulous. Don't expect everything to wrap up like a fairy tale, I'm not saying it does or doesn't. I am just saying, don't have expectations. Let the story wrap you up. I highly recommend reading this excellent novel.
"Excellent new spin in the Egyptology genre"
The premise is the tomb of the pharaoh that united upper and lower Egypt was never found -- Narmer. His tomb contains something of incalculable value -- of coarse.
The central plot-line is interesting and a new slant on the same-old tired 'let's find a new pharaoh tomb' with new and varied challenges. All of that is good stuff. The subplots were pretty thin and mixed with mysticism that Child just really didn't pull off. I look for change of some sort in the main character -- they should have a pivotal moment of truth and start or stop doing something. The main character didn't -- he was static during the novel and didn't add much in the way of tension or illumination.
I think Child should scrap the characters, keep the plot and try again; make me connect with the characters and care about them. There wasn't one character that I really want to know what happens to after the story is over. I also felt trial and tension points of the hero's evolution were weak. Instead of Child pushing you up a mountainside of conflict and reversals, it was more like a bumpy road of problems and resolutions with clumsy foreshadowing. Child is a great author and McClain did a good job of narration.
So if I am so negative, why am I recommending reading it? Well it is written by Lincoln Child and I am a fan. Plus I return to the idea that the plot is interesting. Give it a listen it won't blow you away; but it does have entertainment value.
"Weak: Undead Series Loses its Way"
The first half of this book is a wandering series of sentences with no plot or theme. It is absolutely dreadful. You are four hours into listening and you are thinking, "what the hell is this story about -- literally?" The second half of the book at least has a plot (of sorts). I am tempted to think that Davidson mailed this one in, she had half a novel -- the end -- and no way of getting to it, so she just rambled with retreaded early book one-liners till she had enough pages.
That being said, the second half of the novel was plausible if not disagreeable. Hated the ending, hated the premise of the ending, though Davidson had twisted the characters and motives in a way that well outside the bounds of the story-line well beyond a writers license to twist.
I have no idea how, if ever, she will recover from the disaster which is book 12. This is a train wreck and I would suggest you avoid it even if you read the whole series. Wait for book 13 if there is one and read them back to back with the hope that 13 will be a resurrection of sorts. I am not holding my breath.
"Eloquent Fabulous Historical - Grand Continuation"
The long anticipated book 8 of this epic did not disappoint. Its been a long time since I read her last and I have to say I missed her flowing prose and description. First the plot: in this book she opens and many plot lines as she closes down. One thing I am very satisfied with is her ability to eventually get around to bringing clarity and closure to early open questions. For example, she closes a question raised in book three -- this kind of attention to detail is commendable in a writer and Gabaldon certainly demonstrates her mastery in this work.
She introduces more characters and lines in this book than I though necessary and I would have liked a little more focus on Roger and Brie and Jamie and Claire shifting some of the attention from Lord John and William -- after all they have their own series. That being said, she still crafts characters that I love and she does it with such grace and art. Got to love Jenny and Rachel and Ean and Dottie. The dialog of plain English was exceptionally well done.
This book is something to be savored, I though Galbaldon showed more of the human side to Jamie and Claire (certainly how they are ageing) and I very much like they way she did. I've read some criticism about her history and timelines and only say to those critics it is historic romantic F-I-C-T-I-O-N and a great one at that.
Must listen to book eight. Must listen to the series. Her blog says she hasn't started on book 9 and hints that book 9 might be the last. It will be torture to wait another two years but it will be worth the wait. Davina Porter rocks it out of the park -- who else can do Claire?
Love the ending -- that all I'll say! Please listen to this series.
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Medical Bracelets for Men: Boy, Have They Changed!
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"A balanced and pretty wine with blueberry and hints of vanilla. Full body, with fine tannins and a delicious finish. Try in 2015."
90 Points
James Suckling
(saint eh-meel-YOHN)
Medieval Village, Modern Wine
A region named after the charming, quaint historical town in Bordeaux, St-Émilion is situated on the right bank of Bordeaux. It's grapes of choice are Merlot and Cabernet Franc (called Bouchet on the right bank). The region has its own classification system, updated and revised every few years. Two of the hottest chateaux...Read More About St-Emilion
Bordeaux Blends The Fab Five With so much history under its belt, it's no wonder that Bordeaux has figured out the recipe to produce amazing wines. Centuries of making (and drinking) wine led to the blend that has become synonomous with Bordeaux. Winemakers in the New World replicate this formula to create successful blends in their respective regions - you may see Bordeaux blends...Read More About Bordeaux Red Blends
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text: Channel Master 4220MHD Mid-range outdoor rooftop HDTV antenna with mount Zoom Front Mounting options Photos Videos Item #: 6594220MHD Review Summary 6 people say DISCONTINUED This item is no longer available to purchase. Contact us for other options Call Email Original price $59.99 Shop all TV Antennas Shop all TV Antennas x By buying this product you'll earn up to 60 Rewards points. When you sign up for a Crutchfield account, you'll be enrolled in Crutchfield Rewards. You'll earn one point for every dollar you spend on gear from us. You can turn your points into Rewards Cards that you can use toward future purchases. You can sign up for an account now, or after you complete your purchase (you'll get credit for the points either way). Sign up for a Crutchfield account Overview Details Customer Reviews Q&A Articles & Videos Accessories Our take on the Channel Master 4220MHD by Steve Kindig The Channel Master 4220MHD antenna can receive digital and analog over-the-air TV signals in the UHF band only (most digital TV signals are in the UHF band). The 4220MHD is optimized for reception of digital TV. It comes with an easy-to-install satellite dish-style swivel mount, which can be attached to a rooftop, eave or exterior wall. The 4220MHD is classified as a Medium-sized Directional antenna. For tips on selecting an antenna, and links to websites that help you locate HDTV signals in your area, check out our article on choosing and installing an antenna for HDTV. See more info on this item Highlights:receives digital & analog UHF TV signals (channels 14-51)range: 30 miles2-bay bowtie dipole designantenna size: 24-1/2"W x 14-1/4"H x 5-1/2"D12" turning radius (if used with an antenna rotor)universal satellite-style swivel mount (includes arm, bracket and hardware)accommodates 1-1/4" mastwarranty: 3 yearsOur 60-day money-back guaranteeRG-6 cable is recommended Hands-on research from the Crutchfield Labs (what are the Labs?) What's in the box? | In-depth notes Product Research What's in the box? Download owner's manual Antenna assembly 20" Angled mast (1-3/4" Diameter) Mast mounting bracket Two-piece antenna mounting bracket Twist-on threaded F-connector Weather boot 1 U-bolt 2 Nuts 2 Flat washers Two M6x13mm Carriage bolts One M6x60mm Machine screw Three 6mm Flange nuts Four 2" Lag screws Installation instructions (English/Spanish) Electrical wire danger warning sticker Our Product Research Team At Crutchfield, you'll get detailed, accurate information that's hard to find elsewhere. That's because we have our own in-house Product Research team — they open the box, verify contents, check the owner's manual, and record dimensions, features and specs. We stay on top of new products and technologies to help people make informed choices. Features Overview: The Channel Master 4220MHD antenna is designed for UHF frequencies only (channels 14-69), both digital and analog. Mast Mounting: The antenna can be mounted using the included standard satellite mast; or it can be mounted to a traditional (straight) antenna mast. The included mast can be mounted on a roof, under an eave, or on a wall. Mounting Brackets: The antenna mounting brackets and the U-bolt are used to mount the antenna to a mast. The outer diameter of the mast should be at least 1-1/4 inches. Turning Radius: If using a rotor on the antenna mast, make sure a 12" turning radius around the antenna is clear of obstruction (the 12" turning radius assumes the antenna is mounted to a straight mast). Grounding: The antenna and mast should be properly grounded. Grounding provides lightning protection for the antenna and your TV set. Note: No grounding hardware is provided with the antenna. Connections: The balun is built-in (attached at the factory) and has a female F-type connector. The included waterproof rubber weather boot should be installed over the cable connection to guard against corrosion. A twist-on threaded F-connector is also included. Note: Coax cable is not provided, RG-6 is recommended. Operating Range: The rated range of the 4220MHD is 30 miles, but the distance is approximate, actual performance depends on too many variables to predict accurately. Gain: The average gain across the UHF frequency range is 8.2 dB. Review this product Submit a review and then enter to win a $500 rewards card Channel Master 4220MHD Reviews Average Customer Review: 6 people say: Review this product: Thanks for taking the time to share your experiences about this product. Please be sure to focus your comments on the product itself. Read our Review Guidelines for more information. Review title * Email Your email won't be visible. Please use the email address that is associated with your order. Display name (e.g., JohnD) Your review will be signed using the display name and location * Your location (e.g., Charlottesville, VA) * Your rating Click on a star to rate the overall product on a scale of 1-5 1500 characters left * Your review Attach a YouTube Review Crutchfield Video Review Guidelines Only submit videos that you made or are authorized to use. Do not submit videos that contain music, video or visuals that are copyrighted and belong to someone else. Please see our Review Guidelines for more information. Submit the URL of your YouTube™ video review or product demonstration. e.g., "http://www.youtube.com/v/o79TWHh598U" 500 characters left Pros 500 characters left Cons * Agree to Terms By checking this box you agree your review becomes the property of Crutchfield, that you are over 18 years of age, that you own or have owned this product, and that you are located within the United States or its territories. Please see our Review Guidelines for more information. We reserve the right (but are not obligated to) review all submissions and edit or remove any review in any manner which we deem necessary. Your review should be posted within seven days. Filter by rating: 5 Star: (0) 4 Star: (0) 3 Star: (0) 2 Star: (0) 1 Star: (0) 5 out of 5 Clarity, finally! Written By PeterC, Chapel Hill NC on Wednesday, March 27, 2013 Crutchfield Customer Review (What's this?) After struggling with amplified indoor antennas to bring in our favorite channel from only 9 miles away, I had this antenna installed on the roof. Measured signal strength went up substantially, and we now have clear reception not only of our favorite channel, but of many located farther away. The installation was straightforward. 1 out of 1 people found this helpful Was this review helpful? Yes | No 5 out of 5 Good Reception Written By RichR, Kenosha, WI on Tuesday, April 03, 2012 Crutchfield Customer Review (What's this?) Overall, good reception. Was using a smaller table top antenna manufactured by another company and could receive half as many channels as I can with the Channel Master. I was hesitant to purchase a larger, more expensive model because I did not know how it was going to work. Now that I have this one, I am now wondering if I would be receiving more channels with a better model. Pros: Worth the money 2 out of 2 people found this helpful Was this review helpful? Yes | No 5 out of 5 Great Reception! Written By RichG, Middleton, WI on Thursday, March 29, 2012 Crutchfield Customer Review (What's this?) Did a lot of research on antennas so we could lose the rabbit ears on all of our TV sets. Crutchfield had the best quality, best pricing, and quick, no-cost delivery time. After assembling and installing the antenna on the roof, we get 100% crystal clear reception on all channels in our area. Pros: Excellent service and product, free shipping, great support (though I didn't need it) 1 out of 1 people found this helpful Was this review helpful? Yes | No 3 out of 5 Very good city reception, but only fair hardware & assembly Written By 1GRN1, Canton, MI on Saturday, October 02, 2010 Crutchfield Customer Review (What's this?) Purchased from Crutchfield because their website provides a wealth of information to allow an informed purchase decision AND their pricing was competitive AND they offered free shipping on this item. As for the antenna, it works great in our area. We edited out some of the 20 OTA HD and non-HD channels and the 2 analog channels from Canada. We'd have more channels with a rotator, but we already get lots of free channels via the internet. We ditched cable TV and are saving about $87/month. The antenna's already paid for itself! My only complaints about this antenna are 1) the weather boot is IMPOSSIBLE to stretch over the F connector on the coax cable. This should be a piece of heat shrink tubing or be made from an elastomeric compound having more stretch. 2) Since the antenna is mounted on our apartment balcony, the ends of the mast attachment U-bolts are a safety hazard. No plastic caps were provided to cover the threaded ends. The U-bolts are also several inches longer than they need to be! 3) The fasteners don't appear to be corrosion resistant. The serrated faces of the nuts scratch the mast paint and will probably cause it to rust. I'd give it 5 stars for city reception but only 1 star because of personal injury hazard and inadequate attention to weather boot material selection and potential corrosion/appearance issues, so overall, only 3 stars 5 out of 8 people found this helpful Was this review helpful? Yes | No 4 out of 5 Channel Master 4220MHD Written By Art, Tucson AZ on Monday, September 13, 2010 Crutchfield Customer Review (What's this?) It does the job, should include basic grounding kit. Otherwise was easy to assemble and setup. Well worth the price. 1 out of 2 people found this helpful Was this review helpful? Yes | No 5 out of 5 Great product Written By David, North West of Boston on Sunday, April 12, 2009 After a long winter I finally got this antenna hooked up. I was shocked at the clarity it produces and the amount of channels it pulls in, all crystal clear. I am about 25 miles from the Wellesley Hills antenna farm on Rt 128. I have a 4-output RF distribution amplifier in line and a digital converter box. The antenna is about 8 feet above my chimney and we are on a large hill. I used 2 pole extension antenna masts and the chimney clamp plus a big spool of RF cable. I ordered all the parts from Crutchfield, great customer service. 24 out of 25 people found this helpful Was this review helpful? Yes | No 1 question already asked I live in southern Utah and I'm wondering if this antenna system will be a good one for this area. Home is located near some mountains to the north and a fairly open area to the east and west. Television transmitters are located on the mountains to the west and the east and I think we will have a fairly open line of sight in those directions. Would this be a good antenna to use in our area? Thank you for your response. John [ John Dec 03, 2013 ] 2 answers Go to TV Fool for details on reception in your area. Ray. [ RAY P Dec 17, 2013 ] I bought this unit for my daughter in Durango co. similar area moountains to the north open to the south. It brings in 12 channels that they could not get or pay cable 80.00 per month. We are very pleased with the unit..duane b [ DUANE Dec 03, 2013 ] Add accessories for the Channel Master 4220MHD Add Accessories See all categories & accessories Coaxial RF (F-type) Cables RF Splitters/Combiners In-wall RF Cables Bulk RG-6 Cable Don't miss out on digital recording convenience because you don't subscribe to cable or satellite. You can record free over-the-air broadcasts with a DVR. Digital Video Recorders (DVRs) Satellite TV Accessories A range of accessories you may need to complete your installation. Antenna Accessories Monster Video® 2 Coaxial Cable Single RF cable with F-type connectors (2 meters, 6.6 ft.) Options 1 meter (3.3 ft.)-$19.95 2 meters (6.6 ft.)-$29.95 Single RF cable with F-type connectors (1 meter, 3.3 ft.) Single RF cable with F-type connectors (2 meters, 6.6 ft.) 4 people say Your Price: $29.95 Add to Cart On-Q Coaxial Cable with F-type connectors (24-inch) Options 18-inch-$13.49 24-inch-$15.49 with F-type connectors (18-inch) with F-type connectors (24-inch) Your Price: $15.49 Add to Cart Channel Master 3211 Double Female F-type Coaxial Coupler Increase cable length without splicing 2 people say Your Price: $2.49 Add to Cart Monster Cable SV-RG6 RG-6 cable Double-shielded, in-wall-rated coaxial cable (500-ft. spool) Your Price: $199.99 Add to Cart Monster Video® Quad-shield RG-6 cable Bulk in-wall-rated coaxial cable (Sold per foot) 4 people say Your Price: $0.74 Add to Cart Channel Master Bulk Coaxial RG-6 Cable (500 feet, black) Your Price: $99.99 Add to Cart Channel Master CM-7500TB1 DVR+ Dual-tuner DVR with 1TB hard drive, records over-the-air TV broadcasts 15 people say Your Price: $399.00 Add to Cart Channel Master Coaxial Grounding Block 1 person says Your Price: $2.99 Add to Cart Channel Master 1805 5-foot galvanized antenna mast 4 people say Your Price: $14.99 Add to Cart Channel Master 3414 4-output RF distribution amplifier 17 people say Your Price: $39.99 Add to Cart Channel Master 3410 Single-output RF distribution amplifier 11 people say Your Price: $34.99 Add to Cart Channel Master 7777 High-gain mast-mount UHF/VHF TV antenna preamplifier 46 people say Your Price: $69.99 Add to Cart Channel Master 9521A Remote control antenna rotor 13 people say Your Price: $139.99 Add to Cart Why choose SquareTrade? The #1-Rated Protection Plan Thousands of people have reviewed SquareTrade Protection Plans — and made us #1. 5-Day Service Guarantee & Free Shipping We'll repair or replace your item in five business days or less after we've received it, or your plan is free. And, as always, we pay for all shipping. Protection from Normal, Everyday Use Repairing your average mechanical or electrical failure can cost as much as buying a new device. With SquareTrade, you're covered — including parts and labor. For a more in-depth review and enhanced detailed information on the Channel Master 4220MHD, please visit the Crutchfield website product page (/ISEO-rccbcspd/p_6594220MHD/Channel-Master-4220MHD.html ). x Sorry, the Channel Master 4220MHD is no longer available for purchase. Looking for a similar item? Shop TV Antennas Or, you can still... Write a review Purchase product accessories Download product manual Go × Front Mounting options


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Dodge Charger R/T
- Stock #
- 132166
- Body Style
- Hardtop
- Engine
- Exterior Color
- Sublime
- Interior Color
- Black
- Miles
- 97519
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Did You Know ?
1970 marked the first time in the four-year history of the Camaro that a convertible option was not offered.
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- Fully restored
- Original A833 4-speed manual transmission
- Correct black interior
- Correct Sub-Lime Green exterior paint
- Super Track Pak rear end with 4.10 gears
- Factory broadcast sheet included with the sale
- Bored and stroked 440 V8 that's complete with a Six Pack set up
- Chrome Magnum 500 wheels
Wow! A Sub-Lime Charger R/T! I've never seen one before, and I'm guessing you haven't, either. More commonly painted "grown up" colors like dark green, black, or even bright red, seeing a day-glo Charger is really an eye-opener. Even parking a bright Hemi Orange Charger decked out in full "Dukes of Hazzard" regalia would not approach this car's searing eyeball appeal. You can't stop looking at it, can you? Totally cool.
And yes, it's a real 440/4-speed/FJ5 Sub-Lime green car, which is clearly indicated on both the fender tag and the remains of the original Chrysler Corporation Broadcast Sheet. Don't believe me? Here it is, see for yourself:
- Dodge Charger
- Special, R/T
- 2 Door Hardtop
- 1970
- Newark, DE, USA
- 177371: Sequence number
- E86: 440 cubic inch 4-barrel V8 (High Performance) 375hp
- D21: 4-Speed Manual Transmission
- FJ5: Sublime / Lime Light Exterior Color
- C6X1: Trim – Charger, Vinyl Bucket Seats, Unknown Color
- TX9: Black / Black Velvet Int. Door Frames
- C16: Build Date: December 16
- 099471: Order number
- V1X: Full Vinyl Top, Black
- A34: Super Track Pak w/4.10 ratio
- B51: Power Brakes
- C55: Bucket Seats
- G31: OS RH Manual Standard Mirror
- J25: 3-Speed Wipers
- J45: Hood Tie Down Pins
- M21: Roof drip rail moldings
- M31: Belt Moldings
- M91: Luggage Rack
- N85: Tachometer
- R11: Radio Solid State AM (2 Watts)
- V21: Performance Hood Treatment
- V6X: Longitudinal Stripes, Black
- 26: 26in Radiator
- END: End of Sales Codes
So in addition to the screaming paint job, this one is also dressed for battle on the streets with a built and stroked 440 (now displacing 492 cubic inches), the original, numbers-matching 4-speed, and a Super Track Pak with 4.10 gears. It has also been treated to a Six Pack induction setup, which not only adds a bunch of horsepower, but looks menacing as hell under the hood.
The paint job on this car is super slick, and the 2-stage paint makes that day-glo color even more appealing with its miles-deep finish. Where the old paint tended to get chalky with age, the paint on this car will look this good practically forever with just moderate maintenance. It was applied over some pretty darned good bodywork, too, with only a few patches on the quarters, but no panel replacements. Look at the panel gaps and you'll see that someone spent a lot of time getting everything lined up, which is not so easy to do on these bigger cars. Those long quarter panels look even larger thanks to a black pinstripe that stretches forward to the scoop on the leading edge of the door, and if you want to pull that off successfully, you need some straight metal. From the rear ¾ angle, you can clearly see how smoothly everything lines up, with that pinstripe forming an unbroken curve practically from one end of the car to the other. Nice work!
Detailing is excellent. I'm not a fan of luggage racks on the trunks of cars, but there's one on the back of this one that looks like it could have been original equipment. With that in mind, I'd definitely leave it on there, especially since it's such an unusual feature. Bumpers are beautifully restored, including the wrap-around hoop that makes up the front of the 1970 Chargers. All the correct R/T badges have been installed, and the race-style flip-up gas cap is in great shape. All the lights, including the single wide taillight lens, are either excellent originals or fresh reproduction items that look exactly right. The vinyl top was expertly installed and does help to break up all that green paint, and is separated by brilliantly polished stainless steel trim. Up front, the performance hood treatment adds a similar contrast and gives the guy you're about to pass something to think about as you stuff this Charger into his rear-view mirror.
And you'll have no problems passing people with this Charger, thanks to the built 440 under the hood. The date code suggests that perhaps it was a warranty replacement block, but it now displaces 492 cubic inches. In addition to the stroker crank, it features H-beam rods, and dished pistons for friendly street manners on pump gas. It has been nestled into a highly correct engine bay. From the Hemi Orange paint on the block, to the aforementioned Six Pack induction system, to the absolutely beautiful exhaust manifolds, the engine looks better than new. The restorers went the extra mile on this one, and added correct hoses and clamps throughout, a proper ballast resistor on the firewall, and a correct red-cap battery in the tray. No demerits here for upgrading the carburetors, because everything was done the way the factory would have done it, leaving you with a car that you will be proud to show off and that runs way better than any muscle that was built in 1970. It's beautifully detailed, and the Sub-Lime paint makes for an excellent background that really makes the little stuff pop.
The chassis is just as well detailed, and probably excessively so. The floors have been painted body color, emphasizing the Hemi Orange oil pan underneath, the powder coated satin black and gray suspension components, and the bright, shiny exhaust system. Metal work is good, with well-done patches in the footwells, and the only panel that was replaced entirely was the trunk pan. Everything remains mostly stock underneath, with the original, matching-numbers A833 4-speed manual driving a stout Dana 60 packing 4.10 gears. The suspension has been rebuilt, and a properly sorted Charger is one nice handling car. There are power disc brakes up front, along with new torsion bars, bushings, and shocks. That shiny exhaust system is fresh, and terminates in the correct tips under the rear bumper. Stainless steel lines and hoses are, of course, brand new, as is the gas tank. Rolling stock is composed of gorgeous Magnum 500 wheels and reproduction F70-14 Goodyear Polyglas tires.
The all-black interior is the right choice for Sub-Lime (can you imagine a white interior—talk about sensory overload!), and has been fully restored with the rest of the car. The black high-back buckets feature new foams and covers that exactly match the originals—I'm impressed, because most reproduction covers don't show this much detail. New carpets on the floor are protected by matching floor mats with the Charger logo embroidered onto their faces. The woodgrain dash is in excellent condition, and there's a Pistol Grip shifter for the transmission. The gauges have been rebuilt, and are all functional including the Tic-Toc-Tach. Like the seats, the door panels are excellent reproductions, and the headliner has been expertly installed, making it taut and wrinkle-free. The trunk is finished to factory specs, with a new mat and a matching spare tire.
Documentation includes a full selection of reproduction decals and tags, extensive receipts for the parts and restoration work, as well as that tattered Chrysler Corporation Broadcast Sheet I mentioned earlier.
If you're looking for attention, I can't think of many better ways of getting it than a Sub-Lime Charger. That's a big, powerful, fast car, and in that color, you'll be impossible to miss. I can't say exactly how rare the color combination is, but there can't be more than a handful of these original FJ5 cars in existence. Add in the potent stroker motor and 4-speed, and this car is a lot of fun on the street or at a show. I'm betting most guys are like me and have never seen an FJ5 Charger before, and also like me, they'll probably want to spend a long time examining and inspecting this one. Having looked this one over, I'm certain they won't be disappointed—this is a seriously nice car. If you're kind of an extrovert, we have your car. Call now!
- Year
- 1970
- Make
- Dodge
- Secondary Make
- n/a
- Model Name
- Charger
- Secondary Model
- Vehicle Type
- Passenger Car
- Hobby Segment
- Muscle Car
- Mileage
- 97519
Engine / Transmission
- Engine Type
- Gasoline
- Engine Size
- Engine Number
- n/a
- Heads
- n/a
- Fuel Specification
- n/a
- Fuel Delivery System Type
- Six Pack
- Transmission Type
- 4 Speed Manual
- Transmission Spec
- Transmission Number
- n/a
- Entertainment System Type
- n/a
- Battery Location
- n/a
- Battery Shut Off
- n/a
- Battery Charger
- n/a
- Power Steering
- No
- Air Conditioning
- No
- Interior Color
- Black
- Seating Type
- Bucket
- Seat Material
- Vinyl
- Shifter Type
- Floor
- Center Console
- No
- Body Style
- Hardtop
- Doors
- 2
- Safe Body Color
- Sublime
- Paint Type
- n/a
- Stripes
- Yes
- Front Suspension Type
- n/a
- Rear Suspension Type
- n/a
- Axle Specification
- Dana 60 3.54 Posi
- Front Wheel Specification
- n/a
- Rear Wheel Specification
- n/a
- Front Tire Specification
- n/a
- Rear Tire Specification
- n/a
- Front Brakes Specification
- n/a
- Rear Brakes Specification
- n/a
- Spare
- n/a
- Exhaust Type
- n/a
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Deloitte's transfer pricing professionals assist clients with all aspects of defending their transfer prices before the tax authorities and with local audit teams. If an audit results in a transfer pricing adjustment, Deloitte helps obtain double tax relief through the tax treaty competent authority process. Deloitte also helps clients negotiate Advance Pricing Agreements (APAs) to obtain prospective transfer pricing certainty.
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Fabian Freeway: High Road to Socialism in the U.S.A. -Digital Book
Rose Martin Updated 3/13/2013Digital Book Both prophetic and illuminating, Fabian Freeway documents the rise and progress of socialism in Britain and the United States and tells the story of the many early triumphs of the philosophy of socialist incrementalism known as Fa...


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Kell Kelly, activist banker
Oklahoma banker is ready and able to go toe-to-toe on banks' behalf
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- Written by Bill Streeter
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- Comments: DISQUS_COMMENTS
Abraham Lincoln fired five chief generals (one twice) before he found Ulysses S. Grant—a general who would fight. Lincoln wouldn't have fired Albert C. Kelly, Jr., if the banker had been one of his generals, because Kelly fights. In Kelly, who goes by the nickname of "Kell," bankers have a leader who knows you can make a difference if you believe you can, and if you work at it.
That premise has governed his whole life, and will govern his term as the next ABA chairman. After hearing Kelly speak at a conference or in a meeting, no one will ask "Can anything be done?"
Kelly, President & CEO of SpiritBank, Bristow, Okla., was raised on hard work and the ethic that life is for doing, not complaining. If you think something isn't right and ought to be changed, or something is worthwhile and should be done, then make it happen, even if it takes years to accomplish.
As he sees it, banks right now are at a crossroads—community banks in particular. They can either stand by and be slowly marginalized out of existence by an onslaught of unnecessary regulations and bad policy decisions, or they can push back and take charge of their own future. His view is that if banks are marginalized, the country will be, too, because banks are integral to economic growth of communities of all sizes.
Further, he believes that if the industry marshals its considerable resources in support of a worthy and worthwhile cause, it will help demonstrate by action that bankers are good citizens and help counteract some of the negative impressions people have about the industry.
Lesson of the matches
The son of an Oklahoma community banker, businessman, and rancher, Kelly sums up his father's approach to raising him this way: "A hard-raised pup makes a good dog." The young man spent many days stacking hay bales and building fences. His father, also named Albert, was the oldest of five Kelly brothers. He saw submarine duty in the Pacific during W.W.II, was a Harvard graduate, and was Deputy Administrator of the Small Business Administration under Eisenhower. Albert Sr. returned to Oklahoma and helped run Kelly Bros., the family business of ranching, banking, and various other interests along with his four brothers up until his death in an automobile accident when Kell was 21. (The family controls two banks. One, American National Bank of Bristow, later was renamed SpiritBank.)
Even in the 1960s there was a frontier quality to life in the oil and ranch country around Bristow, just south of Tulsa. Once, Kell's father posted him overnight at a gate to a remote pasture on their property where a stripper oil well operated, to make sure that the oil well equipment wasn't removed by a man who wrongly claimed rights to it. His father then left. The next morning the man showed up with a crew to remove the equipment. Twelve-year-old Kell, being more afraid of his father than the thief, stopped the man from entering. Not knowing what to do next, he was saved by his father roaring up in a car and taking charge. After a tense moment, the other man had second thoughts and left.
"My father was a tough guy," recalls Kelly.
Kell has his own set of attributes. At 56, he has the physical strength that comes from years of ranch work, which he still does on his 900 acres almost every day when he's not traveling. More pertinent to his role as industry leader is the mental toughness of an assistant district attorney (a job he held before joining the family bank), an abundance of energy, and a streak of what could be called prairie independence.
He draws inspiration from his remarkable family. His grandmother, who could rope and ride, came to Bristow as a nurse to set up the town's first hospital. She later became Republican National Committee Woman for Oklahoma.
Kelly remembers as a young boy his grandmother giving him a matchstick and telling him to break it, and then giving him five matchsticks bound together to break. He could break one but not the five bound together. It was a lesson on the importance of unity, and he took it to heart, applying it not only within the family business and the bank, but within the banking industry, as well.
His family also instilled another ethic into Kelly, touched on earlier: "Make a difference." He has dutifully lived by that creed as well by being actively engaged in his community and state. People who know him say he is the most influential non-politician in the state of Oklahoma. Not all of this involvement is banking related. He's also very active in education and transportation issues. Reflecting on this, Kelly says, "I don't want to just wander through life."
He encourages others to be active in government and has set up a program within the bank to help them. (See "Ambassadors at large.")
Roger Beverage, president and CEO of the Oklahoma Bankers Association, says Kelly—who was OBA chairman in 2003-04—is not a man accustomed to accepting the status quo. "Say to him, 'There's nothing we can do about it,' says Beverage, "and Kell's response is basically, 'Bull!'"
That attitude drives him to find ways to get things done, whether it be raising capital to satisfy regulators, dealing with the effects of a drought at his ranch, or keeping traditional banks in place in their communities.
Growth and then a wall
Kell Kelly is an advocate for growth. Growth brings opportunity. That's one reason he has served on the board (and currently is chairman) of the Oklahoma Turnpike Authority. Kelly believes in infrastructure and can hold forth on the subject with almost as much passion as he does with banking.
Growth has been a hallmark of his tenure as CEO of SpiritBank. Six years ago, when he was chairman of ABA's Community Bankers Council, SpiritBank was $496 million in assets. Now it is $1.3 billion. Most of that growth has been organic, with the bank expanding from its original home in Bristow into Tulsa, Oklahoma City, and elsewhere—14 locations overall.
As befitting a man whose family has long been engaged in multiple ventures, Kelly has been keen to diversify the bank's revenue stream to not be so heavily reliant on traditional banking, subject as it is to economic trends and regulatory fiat. Some sidelines have come and gone, but the bank's residential mortgage business has been a major earnings driver in recent years.
This business has two components, the largest of which is American Southwest Mortgage, a wholesale/correspondent operation reaching from Texas to Minnesota. The wholly owned subsidiary provides mortgage purchasing and warehouse lines to about 900 community banks and brokers to finance traditional first mortgages.
"For a community bank, it's an unusual and very successful business," notes Kansas banker Earl McVicker, a long-time friend of Kelly's.
The mortgages American Southwest buys are on SpiritBank's books for about 35 days, says Kelly. The average cumulative balance has grown from $20 million to in excess of $200 million, although business has slowed the past couple of years.
Spirit Mortgage, a retail originator, is the other mortgage business. Kelly says it has also become a substantial profit contributor.
Despite this success, Kelly is not optimistic about the mortgage business for banks. "We could not sustain [a mortgage operation] very long if we had to retain 5% of everything that passes through our hands or that we originate," he says referring to the Dodd-Frank Act's still undefined "skin in the game" provision. Preserving bank-originated residential mortgages is an important policy issue for Kelly and for ABA.
SpiritBank has also had success with insurance brokerage and a modified factoring program.
But the bank's traditional business, normally a growth engine, has stalled due to the economic downturn and the regulatory reaction to the downturn and to the financial crisis that preceded it. Kelly would call this an overreaction. Dealing with it will be one of his top priorities while he is ABA chairman.
We need flexibility
Like many community banks, SpiritBank had a large commercial real estate portfolio. The recession caused some previously solid borrowers to become delinquent and the bank had to build up reserves substantially. Last year it chose to aggressively write down many of these loans, taking a loss as a result.
Kelly concedes that some underwriting mistakes were made and that adjustments were required, but he maintains that SpiritBank, like many other banks around the country, has had to tighten far beyond what is necessary.
"We've had to institute such a rigid credit culture that it's challenging to get a loan from us now," he says. When looked at across the industry, this trend is hindering the nation's economic recovery and development, Kelly believes.
Today, with fair lending and other regulatory standards in place, it is virtually impossible for banks not to face some criticism of loans, he says.
Kelly likes to quote his uncle, Tracy Kelly, SpiritBank's chairman, who often says, "The West was won on bad bank loans."
"That means that while there were a number of loans that didn't pay," Kelly explains, "the ones that did are what created our economy, created wealth, created capital. This required taking risk and believing in the character of the individual.
"Banks are not going to be perfect in everything they do," he says, "but they should still be able to take a chance on the local entrepreneur without expecting that he's going to make money in year one, and being classified because he doesn't. People say, 'That's venture capital.' It's not," Kelly responds. "It's developing your local economy. It's building America."
The fallacy of more capital
A big problem banks now face is that "well capitalized" is not defined by statute. There are regulatory minimums, says Kelly, but "well capitalized" is defined "by what the regulator in your bank wants it to be—seven, eight, nine, ten, twelve percent, whatever." Like most community banks, SpiritBank is a private company (majority owned by the Kelly family), which means, says Kelly, "you either get capital out of your pocket, you decide you're going to sell out, or you shrink." Banks can also grow capital from retained earnings, but with earnings squeezed by reduced lending, prolonged low interest rates, and the regulatory restrictions on debit interchange and overdraft fees, that it is a slow option for many. In his own case, Kelly and his board decided to shrink SpiritBank to exceed the required capital ratio. (The bank is at 9% currently.)
Mandating higher capital levels is counterproductive, says Kelly, and creates a severe hardship on non-public community banks.
Further, he points out, "it's a fallacy to think higher capital is going to cushion a downturn. When a bank raises additional capital, the regulators won't let you use that cushion if you run into trouble; they'll ask you to add more."
The reality, he says, is that most banks don't fail because of a capital shortfall; they fail because their liquidity options get shut off by regulators, among them CDARS (the proprietary deposit aggregation service endorsed by ABA), brokered deposits, and online deposits. Banks are told to get "traditional money, " but the only way to get it, he says, is to pay up for it, which reduces revenue and is much more negative for the banks than the other options.
"Our rules and system are completely backwards on this," Kelly concludes.
More and more compliance requirements are another drag, he adds, adding time and cost burdens. Community banks, Kelly contends, are reaching a tipping point where they can't function under the onslaught of new regulations.
"Bankers tell me, 'We used to meet people's dreams. We could make a difference. Now I'm running my bank for the regulators. If I can just get book, I'm getting out'."
If nothing changes, says Kelly, the industry likely will shrink by half in five or six years. "That's not healthy for our country."
What is required
Given the urgency of the situation, Kelly says that as ABA chairman he will urge "a more offensive—respectfully offensive—approach to legislation and regulation. "We will say to those in Washington, 'You need to understand that by taking the worst-case view on accounting, capital, and regulatory interpretation you are driving traditional banks from the business and destroying the very fabric of the American economy'."
"We've got to take a strong stand on these things," says Kelly. This could include drafting bills to try and get due process rights for banks in regulatory matters.
"There's been an enormous effort by ABA on many fronts already," says Kelly, and some notable successes, such as forestalling unworkable accounting rules. "But I just feel like we're at a point where we have to save the traditional banks out there."
Kelly is not anti-regulator. He recognizes both the need for regulations and the many experienced field examiners, but he believes that what is coming out of Washington is overly severe. His hope is that in time all the players will recognize the importance of banking to the country and work to preserve charters, preserve capital, and support small businesses and small communities.
"That's a very reachable goal," says the incoming ABA chairman.
A call to action
Bankers cannot simply hope that this goal will be reached, however. "We are the stewards of all things that have been banking and we are the stewards of whatever it will become," says Kelly. "It's critical that we be champions for the industry and have the industry be a champion of itself. We have to engage not just CEOs but all employees, not just small banks but all banks. Each banker must believe they can make a difference."
ABA's grassroots lobbying capabilities will be a key part of this effort. Those capabilities have increased substantially in recent years and Kelly will continue to emphasize them, because, he says, they are so critical.
"We need to stand up together," Kelly sums up. "Individually we're only as good as the last decision we made. Together we're strong."
Just like the unbreakable bundle of matches.
Ambassadors at large
Not everyone thinks they are cut out for political involvement. But once they have tried it, gained a little confidence, and seen how they can make a difference, it can be hard to let it go. Witness the former SpiritBank employee who had been active in the bank's lobbying efforts and went to work for another bank that didn't have such a program. He emailed his former employer to say how much he missed it.
Kell Kelly, SpiritBank's CEO, does everything he can to encourage employees to be active in government affairs. For the past eight years the $1.3 billion-assets community bank has engaged a lobbyist, but Kelly wanted to broaden the involvement. So about five years ago, he created a program to train employees as lobbyists.
Kelly always keeps employees informed about industry issues, encouraging them to respond to requests to support OBA and ABA initiatives. But he felt that to have them actually call on a political leader and present a view for or against some measure, they needed training. The result was the bank's Ambassador Program.
The program is voluntary and is open to any employee. This year 20 people signed up, the most ever. The bank now has a cadre of more than 65 trained employees, according to Katie Segner, marketing director, who runs the Ambassador program.
New volunteers attend a one-day training session where they hear about the program's mission from Kelly and learn how to write letters and speak with government officials. Each spring, the bank holds a two-day Leadership Conference in the state capital at which, typically, the Governor, state Treasurer, and other officials meet with the Ambassadors. They also call on all their state senators and representatives.
When employees first join the program, Kelly tells them: "If you believe that you cannot make a difference, you will be right. Because you'll never try. But if you try, you'll see that you can make a difference." He says it's typical that after a little while in the program, people say, "Darn, this works!" The bank weighs in on a variety of issues, many not banking related. It has supported transportation bills, and opposed an immigration bill it thought was unfair.
"We always want to stand for the dignity of the individual, first," says Kelly, "and then look at measures that are pro-business and that will help make Oklahoma a place where people want to be and where it's easy to live."
Kelly's hope is that the Ambassadors will pass the word to family, friends, and customers that everyone has the power to help shape good government, if they get involved.
Tagged under ABA,


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Bell Lot
1714 Bell St., Houston, TX 77002
Sat, Nov 1, 2014 7:30am to 10:30am
Amenities Included:
After purchase, please enter your license plate number. Upon arrival, please park in an available space. Your parking will be validated, per your license plate number, by a roaming attendant. You may print your pass and place it on your dash, if you choose to. Failure to input correct vehicle license plate number will result in vehicle being booted.
37 People Recommend Parking Here
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This is a full block surface lot right behind the Toyota Center. This lot is well lit and has over 6 handicap spots.
Managed by LAZ Parking (Houston). This location is a commercial parking lot.
Nearby destinations: Toyota Center, George R Brown Convention Center.
This lot is located South east side of Bell and Jackson. This lot is surrounded by Jackson,Bell,Chenvertt, and Leeland. This lot is directly behind (SE) the Toyota Center. Look for the white LAZ Parking sign with red lettering on the SE corner of the Bell and Jackson intersection.


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It doesn't say anything about my address already having Comcast services.Fake addresses don't lead to Comcast/Xfinity offers.I put the address in for a house down the road that has been vacant for over three years. I got the same offers as before, 29 bundles to be exact.
When i say fake address i dont mean a house down the street. Like in my case i am 132 and no house on my street is 138. I used 138 and it gave me all kinds of promo offerings. Look if you dont believe me just put in 132 reservoir rd 18951 than put in 138 reservoir rd 18951. You can clearly see how its supposed to work. But again the information given to resellers is very limited and resellers dont keep the sites updated. 138 isnt even a address. Put in as many of the addresses you want and you can clearly see how they have information on what services the computer thinks you have. The official comcast site works the same way. Basically you are NOT entitled to promos on services you already have. Dont forget to use the drop down window and go to digital video. To see where the computer says i already appear to have comcast video. If i go to bundles i get 22 bundles available. If i go to just viideo which i subscribe to i only get offered a hd add on for 10 bucks a month. Better yet substitute them addresses with 175 reservoir rd and you can see the computer even says the house already subscribes to the highest tier video comcast offers and they get no promos offered for video. Do them three addresses and you will see you are beating a dead horse. Since i and the OP are both in the freedom region i assume the web site works the same for him as me. The site doesnt go by ip address it has limited access to comcasts computers and making a informed decision the OP needs to understand that.
Ok, does Comcast need to come by your house for self install kit.They told me I have to "receive equopment."Not sure I have 4 hours to just stay home all day for some guy to come by.
In the freedom region if the house is already active at the tap they can mail you the equipment. Only comcast will know if that is or is not so in your case. When did you move into the house and have you ever had comcast there? I can probably make a assumption that you recently moved into the house based on what that web site says. But if you answer we can probably make a better suggestion. I am a little confused as your tag seems to indicate ool and i didnt think ool overlapped comcast anywhere? At present my assumption would be you recently moved into the house and thats why the web site thought you had service. If that is the case you could have it mailed or you could pick it up. If its not active you are going to need a tech. If you have a modem you could plug it in and see if it locks but thats about it without more info. Your going to have to go thru comcast if you want it mailed to you. Doubt a reseller can mail it to you without any services active. Best buy Kiosks were able to do it but last i heard they were having so much problems with fraud thru them comcast was pulling out of that arrangement.