text:
at Georgetown University
Vital Statistics:
Date |
Age |
Event |
Title |
Present Age: 72 |
Born |
Eziowelle |
26 |
Ordained Priest |
Priest |
32 |
Appointed |
Coadjutor Archbishop, |
32 |
Ordained Bishop |
Coadjutor Archbishop, |
34 |
Appointed |
Archbishop, |
52 |
Resigned, Appointed |
Pro-Prefect, Interreligious Dialogue,
Roman Curia |
25 May 1985 |
52 |
Elevated to Cardinal |
27 May 1985 |
52 |
Appointed |
President of Interreligious Dialogue,
Roman Curia |
69 |
Appointed |
Prefect, Sacred Congregation of Divine Worship
and Discipline of the Sacraments, Roman Curia |
Francis Cardinal Arinze at
Francis Cardinal Arinze delivered
the commencement address at
graduation ceremonies at
Cardinal invited the graduates to:
"Allow serious religion to lead you to
lasting joy."
parents and friends surround their loved ones. With them I say: Let us thank God
for the gift of the family. The Company of Jesus, the Jesuits, initiated and
nourished this university. With them I
rejoice at the patrimony of St. Ignatius and especially that the Catholic
Church is God's gift to the world. To all I say:
"Arise, rejoice! God is calling you."
dear graduates, at this turning point in your lives, it is helpful to keep to
essentials. One of them is to locate in what happiness consists. Everyone wants
to be happy. Every human being desires lasting joy. True happiness does not
consist in the accumulation of goods: money, cars or houses. Nor is it to be
found in pleasure-seeking: eating, drinking, sex. And humans do not attain lasting joy by
power-grabbing, dominating others, or heaping up public acclaim. These three things, good in themselves when
properly sought, were not able to confer on Solomon perfect happiness. And they
will not be able to confer it on anyone else! Happiness is attained by
achieving the purpose of our earthly existence. God made me to know Him, to
love Him, to serve Him in this world and to be happy with Him forever in the
"You have made us for yourself, and our heart
is restless until it rests in you."
religion guides and helps me toward this. My Catholic faith puts me in contact
with Jesus Christ, Who is the Way, the Truth, and the Life. God's grace helps
me to live on earth in such a way as to attain the purpose of my earthly
dear graduates, allow your religion to give your life its essential and major
orientation In our lives, religion is not something marginal, peripheral,
additional, optional. My Catholic faith
gives meaning and a sense of direction to my life. It gives it unity. Without
it my life would be like an agglomeration of scattered mosaics. It is my
religion, for example, that inspires my profession that teaches me that there is more happiness
in giving than in receiving that helps me to appreciate that to reach the height
of my growth potential, I must learn to give of myself to others as I practice
my profession as lawyer, doctor, air hostess, congress member, or priest.
your religion to give life, joy, generosity, and a sense of solidarity to your
professional and social engagements. In a world of religious plurality, you
will of course learn to cooperate with people of other religious convictions.
True religion teaches not exclusion, rivalry, tension, conflict, or violence,
but rather openness, esteem, respect, and harmony. At the same time you should keep intact your
religious identity, your distinction as a witness of Jesus Christ.
"Thank God for the gift of the family. As I see joy and just pride reflected on the
faces of the parents and friends of these graduates, I think of God's goodness
in giving the gift of the family to humanity. It is God Himself who willed that
a man and a woman should come to establish a permanent bond in marriage.
Marriage gives rise to the family. In this fundamental cell of society, love
grows. There the exercise of sexuality has its correct locus. There human maturity is nurtured. There new
life utters its first cry and later smiles at the parents. There the child is
first introduced to religion. Is it any wonder that the Second
"In many parts of the world, the family is
under siege. It is opposed by an anti-life mentality as is seen in
contraception, abortion, infanticide, and euthanasia. It is scorned and
banalized by pornography, desecrated by fornication and adultery, mocked by
homosexuality, sabotaged by irregular unions, and cut in two by divorce.
"But the family has friends too. It is
nourished by mutual love, strengthened by sacrifice, and healed
by forgiveness and reconciliation.
"The family is blessed with new life, kept
united by family prayer, and given a model in the Holy Family of
"It is a joy, an honor, and a responsibility
to belong to the one, holy, catholic, and apostolic Church. This Mystical Body
of Christ, this largest of all religious families that ever existed, is the
divinely set up family for all peoples, languages and cultures. This Church has
produced saints from every state of life, men and women who, open to God's
grace, have become signs of hope. But this same Church also has sinners in her
fold. Far from discouraging and rejecting them, the Church offers them hope,
wholesome Gospel teaching, saving sacraments, and the invitation to abandon the
food of pigs, make a U-turn, and return to the refreshing joy of their Father's
house, like the prodigal son.
"This Church has inherited from Christ, the Apostles,
and her living Tradition, a non-negotiable body of doctrine on faith and
morals. The tenets of the Catholic faith do not change according to the play of
market forces, majority votes, or opinion polls:
Christ is the same today as He was yesterday and as He will be forever."
Hebrews 13:8)
"This is the Church which St. Ignatius invites
all his spiritual children to love and cherish. This is the Church to which we
have the joy to belong."
Praised he Jesus Christ!
Now and forever!
Click here to return to Section C
Click here to return to Site Map
Click here to
return to Home Page


text:
Winco SPJH-106 Description
This durable, long lasting full size steam table pan from Winco is ideal for use with steam stables. Constructed of heavy weight stainless steel this steam table pan is simple to clean and resists corrosions, dents, scratches and stain. Designed with anti-jamming construction, this steam table pan is perfect for those who want easy storage and stackablity. This heavy weight stainless steel steam pan is 6" deep to accommodate a variety of food sizes. Ideal for shrimp, vegetables, and meats this full size steam pan is an ideal addition to any restaurant with a steam table!
Standard Features:
- 6" deep
- Full size
- Anti-jamming
- Heavy weight stainless steel
Steam Table Pan, Full Size, 6 in Deep, Heavy Weight SS, Anti Jamming, NSF
Winco SPJH-106 Specifications
Manufacturer | Winco |
Category | Steam Pans & Covers |
Depth (in) | 6 |
Size | Full |
Type | Pan |
Weight | 4.10 |

subset: commoncrawl


text:
Experts and diplomats from home and abroad gathered in north China's Tianjin municipality to attend the Binhai Conference on Peace & Development in North-East Asia on Nov. 15. Chinese Assistant Foreign Minister Liu Jianchao delivered a keynote speech at the opening ceremony.
Liu Jianchao, Chinese Assistant Foreign Minister delivers a keynote speech at Binhai Conference on Peace & Development in Northeast Asia in Tianjin on Nov. 15, 2014.
Liu Jianchao said Northeast Asian countries are close neighbors, and more than any other time should these countries work together to face challenges. Liu urges all parties to uphold peace and stability in the region, enhance political trust, and further promote economic integration and cultural exchanges in the region.
Former Ambassador to Russia Liu Guchang, Chairman of China Foundation for International Studies, believes this conference will pool wisdom of all sides for better communication and cooperation of the Northeast Asian region.
Binhai Conference on Peace & Development in Northeast Asia opens in north China's Tianjin on Nov. 15, 2014.
This conference covers three sub-forums focusing on regional security, trade and economic cooperation, and people-to-people exchanges respectively. Experts and diplomats are expected to fully engage in the discussions and provide insights on peaceful development of the region.
This two-day event was organized by several organizations, including China Foundation for International Studies, Chinese People's Institute of Foreign Affairs, Tianjin People's Association for friendship with Foreign Countries, and Tianjin Public Diplomacy Association.
Initiated in 2012, the conference on Northeast Asia has been attended by academics, diplomats, and enterprise representatives from China, the United States, the Democratic People's Republic of Korea, the Republic of Korea, Russia, Japan and Mongolia. The Democratic People's Republic of Korea is absent from this year's conference.
SOURCE: english.cntv.cn


text:
To the Editor:
As members of the Senior Swimnastics exercise group, we would like to have a bit of input on how we feel about the new recreation center. Our indoor swimming pool situation in Craig is very limited. Things heard in the community seem to portray that the Moffat County High School pool is in a predicament due to needed repairs and year to year it is unsure whether there will be a pool there.
Our current facility at the old Shadow Mountain building, graciously kept running by the American Legion Post No. 62, is always in need of repair due to age. This indoor pool also is going to be closed in the near future.
For many of us, this is the only form of exercise that we can do. We are limited due to age, physical conditions and surgeries, and that makes it almost impossible for us to exercise any other way. We are not the only ones who think swimming is important. We have two high school state championship-level swimmers here in Craig. We have a wonderful competitive swimming program called the Sea Sharks. We have lap swimmers who are totally dedicated to their form of exercise.
We need an indoor facility in Craig.
We thank our county commissioners, who have been listening to a group of educators, business people, health professionals, parents and senior citizens who asked them to readdress the indoor recreation facility.
We hope we can find a way as a community to work together for this worthwhile facility. At present, the land that it would be built on has been donated (that is free) for that use. If we don't use the land for the recreation center, we lose it.
Don't lose this opportunity for such a great improvement to our community.
Lenny Crouse
Donna M. Hall
Corky Coverston
Susan Smith
Karen Cattoor
Nora Jones
Bobbie Harper
Jamie Jacobs
Alice Snowden
Kym Hazelbaker
Dorothyann Hazelbaker
Nana Beth Mead
Jill J. Grimes
Stefka White


text: 209 WWUS73 KJKL 212009 NPWJKL URGENT - WEATHER MESSAGE National Weather Service Jackson KY 409 PM EDT Tue Mar 21 2017 KYZ044-050>052-221400- /O.NEW.KJKL.FZ.W.0005.170322T0900Z-170322T1400Z/ Fleming-Montgomery-Bath-Rowan- Including the cities of Flemingsburg, Camargo, Jeffersonville, Mount Sterling, Owingsville, and Morehead 409 PM EDT Tue Mar 21 2017 ...FREEZE WARNING IN EFFECT FROM 5 AM TO 10 AM EDT WEDNESDAY... The National Weather Service in Jackson has issued a Freeze Warning, which is in effect from 5 AM to 10 AM EDT Wednesday. * Low temperatures will bottom out in the upper 20s to near 30 degrees in the Bluegrass region late tonight and Wednesday morning. * These temperatures will likely do considerable damage to fruit trees, especially those that have budded out such as apple, pear, and peach. Other plants that are ahead of schedule for the spring could also be impacted. Take necessary precautions to protect any sensitive plants from prolonged sub-freezing temperatures. Additionally, take precautions to protect livestock and pets from these low temperatures. Exposed pipes should also be insulated. PRECAUTIONARY/PREPAREDNESS ACTIONS... A Freeze Warning means sub-freezing temperatures are imminent or highly likely. These conditions will kill crops and other sensitive vegetation. && $$


text: pool player definition March 27, 2017 AZ Dictionary Link to this page noun: someone who shoots pool Related Sources Hypernym for "pool player" player View More How would you define pool player? All the definitions on AZdictionary were written by people just like you. Now's your chance to add your own! Your Full Name Your definition Post Definition


text:
I wanted to make my own version of a pretty lace covered jam jar but i wanted to use it in the kitchen and one of the must's was that i would be able to wash the lace and the jam jar..
Wednesday, 28 November 2012
Easy,pretty Lace Covered Jam Jar
I wanted to make my own version of a pretty lace covered jam jar but i wanted to use it in the kitchen and one of the must's was that i would be able to wash the lace and the jam jar..
So here is something pretty,easy and washable for you to make if you wish....
You will need.....
1. Jam Jar
2. lace or crochet doilie
3. Length of ribbon
4. Rhinestone Button
5. A Feather
I measured my doilie to make sure it would be long enough to reach the top of my jam jar before i started.
Thread your chosen ribbon evenly through the holes in the edge of the doilie...i did mine a little down from the edge so to create a stand up ruffle when finished.
Pop your jam jar in the center and pull both ends of the ribbon until it starts to tighten around the jar...you can then lift the doilie up the jam jar with your fingers until it reaches the top....
Tie the ribbon in a knot and then into a bow,Then ruffle the edge of the doilie around the top of the jam jar until it is evenly spaced and looks pretty...
Take your feather and gently feed it through the back of your chosen button until you have a stem as shown below..
Then push the stem of the feather down the back of your bow and arrange until it is sits straight..If your feather falls forward just gently feed the feather through a little more until you have a longer stem..
Then pop in your paper straws.....All done!
Once displayed you can coo over how pretty it looks knowing that once it starts to look a little tired you can undo the bow,pop the doilie and ribbon in the wash,soak the jam jar and then be ready to pop it back together again.
Pink not your colour?
you could try this with red ribbon and red straws or candy canes for Christmas!
Blue ribbon and blue striped straws and a shell instead of a rhinestone button!
You could dye your doilie any colour you wish and fill the jar with flowers!
Let me know if you have any other ideas?
Join me next time for more crafty goings on from Shingle Cottage...
Linking to feathered-nest-friday
12 comments:
Very lovely ... it would make a very pretty tealight holder too ... the light would peep through the lacy holes xxx
ReplyDeleteHi I just adore the jam jar idea I have lots of doileys and jam jars so I will certainly have a go at one of these, such a simple idea but sooooo pretty.Kind Regards Pam.
ReplyDeleteThat is so pretty! I think I will make one with two ribbons threaded through together, one red and one green, and fill it with candy canes for the season, and use one or two small bells instead of the button. It will be so easy to change it after the holidays. Love it!
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01279 460460
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This Multi-purpose Shelf - Black Is a fantastic way of displaying a number of items to potential customers. Use this shelf on a slatwall bracket or merchandising stand to create a durable and long lasting display.
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text:
Tips for Getting Higher Conversion
There's no doubt that more information provided for products leads to an increase in sales. The more consumers have the ability to see products demonstrated, and have their questions answered with product details provided, the higher consumer satisfaction is. Online retailers who use video extensively have seen conversion rates rise across the board. Here are a few statistics gathered by Econsultancy on increases in sales:
- Using video demos of items on product pages increased sales for Zappos by between 6% and 30%.
- On Ice.com, the conversion rate for shoppers viewing video on product pages increased by 400%, while return rates dropped from 12% to 9%.
- Shoeline.com improved the conversion rate by 44% for product pages containing videos.
One key takeaway to note is that the more details provided in different ways, the higher conversion rates are – websites using just one method to provide information to consumers will not be as successful as e-commerce websites with a range of features. 360 degree images on product pages is an example of this – rather than showing just static images, the ability to rotate products and see them in greater detail leads to higher conversions. 360 product views lead to a 20% rise in conversion rates versus pages without them, and lead to a drop in return rates as well.
Product videos bring the highest rate of return on investment – product pages that include videos have a 25% increase in conversion rates and even fewer returns than what a 360 image view delivers.
As Gerrard Dennis of The Simply Group, who conducted the research, notes, videos have the ability to answer questions customers may have about products, producing an experience online similar to shopping in store.
Dennis argues this can be even better than the in-store experience, "since you get the most knowledgeable member of staff each time, not just the Saturday guy."
Bringing all of these components together provides the best opportunities to increase conversion rates on e-commerce sites. To increase conversion rates and decrease product returns, you need to optimize your e-commerce strategy to answer customer questions – and that includes techniques such as:
- Live chat
- Video demonstrations of products
- Product reviews
- Clear, in-depth product information
H/T to Econsultancy


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After lots of searching, i'm surprised that I didn't find an answer. How can I run in windowed mode? ---------- Post added at 11:11 AM ---------- Previous post was at 11:07 AM ---------- Never mind- I found it. Close thread please


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Influenza A and B viruses (IAV and IBV, respectively) cause annual seasonal human respiratory disease epidemics. In addition, IAVs have been implicated in occasional pandemics with inordinate health and economic consequences. Studying influenza viruses in vitro or in vivo requires the use of laborious secondary methodologies to identify infected cells. To… (More)
Influenza A virus is a significant public health threat, but little is understood about the viral RNA structure and function. Current vaccines and therapeutic options to control influenza A virus infections are mostly protein-centric and of limited effectiveness. Here, we report using an ensemble defect approach to design mutations to misfold regions of… (More)
A 32-nucleotide (nt) RNA motif located at the 3' end of the transmissible gastroenteritis coronavirus (TGEV) genome was found to specifically interact with the host proteins glutamyl-prolyl-tRNA synthetase (EPRS) and arginyl-tRNA synthetase (RRS). This RNA motif has high homology in sequence and secondary structure with the gamma… (More)
Influenza NS1 protein is the main viral protein counteracting host innate immune responses, allowing the virus to efficiently replicate in interferon (IFN)-competent systems. In this study, we analyzed NS1 protein variability within influenza A (IAV) H3N2 viruses infecting humans during the 2012-2013 season. We also evaluated the impact of the mutations on… (More)
Influenza viruses cause annual seasonal epidemics and occasional pandemics of human respiratory disease. Influenza virus infections represent a serious public health and economic problem, which are most effectively prevented through vaccination. However, influenza viruses undergo continual antigenic variation, which requires either the annual reformulation… (More)
Influenza A viruses (IAV) cause annual seasonal human respiratory disease epidemics. In addition, IAV have been implicated in occasional pandemics with inordinate health and economic consequences. Studying IAV, in vitro or in vivo, requires the use of laborious secondary methodologies to identify virus-infected cells. To circumvent this requirement,… (More)
Influenza A virus (IAV) affects 5%-10% of the world's population every year. Through genome changes, many IAV strains develop resistance to currently available anti-influenza therapeutics. Therefore, there is an urgent need to find new targets for therapeutics against this important human respiratory pathogen. In this study, 2'-O-methyl and locked nucleic… (More)
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My tattoo was originally inspired by Susan Seddon Boulet's work of art called "Bear Women with Dream Child."
I loved the idea of a bear holding a human child and knew I had to adapt this image into something that was unique for me. The "don't mess with me, Mama Bear" lovingly carrying this human baby spoke to my heart. I love the illumination of that picture, but I knew this was only the seed of an idea that would slowly over a year of thought, grow into a personal expression......my tattoo.
There is a Greek goddess Artemis who is a huntress. Her name means bear. I wanted this reminder of power with me throughout my journey in life. I love the messages from the Wizard of Oz, (which is one of my fav all time movies!) which conveys that you have always had the power!
Imagery of a bear has many important meanings for me. For one, the image of a bear helps to awaken our potential. The image of a bear is a reminder not to let your creative energies lie dormant.
Bears also symbolize family unity, safety and protection of children. The mythological feminine symbol also represents the circle of life, death, and rebirth. She also reminds us to go within when it is time. The Mama Bear guides and protects us on our journey. Some tribes, I have read believe that this symbol has the special power of healing.
***If you are interested in reading more about the power of the bear click here. If you interested in the meaning of bears in your dreams, click here.
If you would like to follow my Mama Bear board on Pinterest, click here.
I hope the power of the bear is with you all today and everyday. Don't forget YOU have always had the power.
Love, Peace, and Sandy Feet,


text:
Unique Wedding Favors
Bridal Shower Favors
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Candle Wedding Favors
Bath & Soap Favors
Silver & Chrome Favors
Personalized Favors
Wedding Party Favors
Trendy Wedding Favors
Personalized Mint Tins
Wine Wedding Favors
Place Card Favors
Edible Wedding Favors
99 Cents & Clearance
Charity Wedding Favors
Kitchen Wedding Favors
Favor Boxes & Containers
Favor Bags
Wedding Cameras
Favor Tags & Labels
Docorations & Trimmings
Winter Wedding Favors
Garden Wedding Favors
Beach Wedding Favors
Asian Wedding Favors
Indian Wedding Favors
European Wedding Favors
Vintage & Rustic Favors
Nautical Wedding Favors
Glitter & Gold Favors
Something Blue
Fall Wedding Favors
Baby Shower Favors
Birthday Party Favors
Indian Wedding Ideas
Waiting behind crystal-clear glass surrounded by beads of bright gold is the perfect place for a favorite photo of the happiest couple you know�a thoughtful gift of appreciation your wedding guests will always treasure. Or use this Beautifully Beaded Gold Photo Frame as place holders, letting your guests save their favor for a favorite photo of their own. Add glamour and glitz to your wedding with these gold frame favors decorating the reception tables. The finely crafted, versatile, glass-and-metal frame, with its gleaming brushed-gold patina, has a velvety-black finish on the back and accommodates either horizontal or vertical photos 2 �� x 1 �� in size. This elegantly detailed photo frame measures approximately 3� x 4�.
Wedding Favors & Ideas: Beach | Unique Wedding Favors | Celebrity Style | Thank You | Jordan Almonds - Koufeta - Bonbonnier Bridal Shower Favors: Favors | Wine Tasting| Ideas Seasonal Wedding & Shower Favors: 2007 Fall Weddings | Fall Wedding | Fall Bridal Shower | Fall Favors | Themed Wedding & Shower Favors: Garden | Beach | Multicultural & Fusion | Nautical Wedding | White Wedding Wedding Trends: Top Wedding Trends | Wedding Trends for 2008 | Green Weddings
Copyright � 2004 ChicWeddingFavors.com - All Rights Reserved.


text:
- Great stuff, thanks!
Bill Loguidice, Managing Director
Armchair Arcade, Inc.
<http://www.armchairarcade.com/> http://www.armchairarcade.com
A PC Magazine Top 100 Website
Authored Books: <http://www.armchairarcade.com/books>
From: firstname.lastname@example.com [mailto:email@example.com] On Behalf
Of Cameron Kaiser
Sent: Tuesday, January 27, 2009 1:56 AM
To: email@example.com
Subject: [Tomy Tutor] finally, updates to the Little Orphan site
Finally got around to updating the Little Orphan site. You'll like it!
* Got hands on a Demo Cartridge and did a full video capture of it, uploaded
to Google Video. The Demo Cartridge mentions a TI Adapter ... read all
about that in the new Myth, Marketing, Muddle page (incorporating the
Purcell Pamphlet).
* Tomy Tutor User Club section, with two downloadable newsletters up now
in pdf format, and more to come (thanks much to James Host who got them to
me originally and I finally got off my butt and scanned some). I realized
I am missing issue #1 however.
* Reorganized cart list. Apparently there are two Battlefighters.
* Uploaded .pdf for the Centronics printer interface schematic, along with
pin assignments for the I/O port (also from James).
* Completely redid most of the photographs. They are now not only better
quality, but higher resolution.
* Rewrote the trade list.
* Other ticky things.
10 years of Tomy fandom!!
http://www.floodgap <http://www.floodgap.com/retrobits/tomy/>
------------------------------------ personal: http://www.cameronk
<http://www.cameronkaiser.com/> aiser.com/ --
Cameron Kaiser * Floodgap Systems * www.floodgap.com * ckaiser@floodgap.
<mailto:ckaiser%40floodgap.com> com
-- Faith is to be sure of what you hope for. -- The Kry, "Take My Hand"
[Non-text portions of this message have been removed]


text:
MFV Introductory Video: A pictorial overview of the recordings as self-coping tools for separations. Media Category: FamiliesKidsSoldiers
1 -0 TESTIMONIAL: Soldier Recorded with her large initially reluctant Family. play pause stop mute unmute previous next MFV-Testimonial_0.mp3 FamiliesSoldiers
Having Fun A great time is had by all! They don't know they are doing something lasting and important. Category: FamiliesKids Having a great time recording Having Fun Preserving her voice Preserving their voices at this age More fun than monkeys
More Fun Capturing and Preserving Their Voices In Time Category: FamiliesKids At vero eos et accusamus Ut enim ad minima


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Confidential Bauer College of Business Thursday, March 25, 2010 Julie Jackson / Sheila Lum / Laura DeLeon Risk Management & Insurance Targa Resources, Inc.
Confidential 2 Agenda Introductions / Background Overview of Targa's Business Overview of 'Lloyds of London' Market Onshore Property Market Offshore Property Market Break Sheila Lum / Laura DeLeon D&O Liability Market Excess Liability Market Questions
Confidential 3 Overview of Targa's Business
Confidential April 2004 Acquired Assets from ConocoPhillips ($247 MM) Formed Targa Resources April 2003 History of Growth Oct 2005 Acquired Dynegy Midstream Services ($2,452 MM) Successfully executing strategy to build a leading midstream energy company MLP IPO of North Texas Assets ($956 MM) Feb 2007 Sold ($117 MM ) Dec 2004 Aug 2005 Bridgeline Acquired ($100 MM) First Drop Down ($705 MM) Oct 2007 Drop Down of Downstream Assets ($530 MM) Sep 2009 4
Confidential 5 Overview of Targa's Business Targa is a leading provider of midstream natural gas and NGL services in the US NGL Logistics and Marketing Natural Gas Gathering and Processing
Confidential Overview of Targa Family Assets Overall Leading gas gatherer and processor Leading NGL logistics and marketing business Targa Resources, Inc. (TRI) $3.4 billion of assets $4.5 billion of revenue Targa Resources Partners LP (NGLS) $2.2 billion of assets $4.1 billion of revenue Natural Gas Gathering and Processing Division 11,000 miles of natural gas pipelines 800 miles of NGL pipelines Gathering system encompassing 21,900 square miles Own interest in or operate 22 natural gas processing plants Contracts predominantly percent of gas and liquids or percent of liquids NGL Logistics and Marketing Division Gross capacity to fractionate approximately 380 MBbl/d of NGLs through interests in 3 fractionators, with approximately 900 MBbl of above ground storage and 65 MMBbl of below ground storage Approximately 17 operating terminals, 21 pressurized NGL barges, 70 transport tractors, 100 tank trailers and 855 managed railcars Predominantly fee-based business _________________________ Note:All financial data as of December 31, 2009 6
Confidential Primarily a physical settlement business which earns a margin from purchasing and selling NGL products from producers under contract Also earn margins by purchasing and reselling NGL products in the spot and forward physical markets 2008 sales of 245 MBbl/d Refinery Services Generally retain a portion of the resale price of NGL sales or receive a fixed minimum fee per gallon Earn fees for locating and supplying NGL feedstocks to the refineries based on a percentage of the cost or a minimum fee per gallon Wholesale propane marketing Sell propane on a fixed or posted price at delivery and, in some circumstances, earn a margin on a net-back basis The Downstream Business – Majority Fee-Based Logistics Assets NGL Distribution and Marketing Wholesale Marketing 7 Fractionation Storage and Terminalling Transportation and Distribution ♦ Majority under fee-based arrangements ♦ 3 facilities with ~380 MBbl/d maximum gross capacity ♦Long-and short-term storage and terminalling services and throughput capability to affiliates and third party customers for a fee ♦Storage wells with ~65 MMBbl of capacity and 17 terminal facilities; 800 miles of pipeline support fractionation, storage and terminalling ♦Fee-based transportation services to refineries and petrochemical companies throughout the U.S. ♦Approximately 855 railcars leased and managed, 70 owned and leased transport tractors, 100 tank trailers, and 21 pressurized NGL barges
Confidential Targa Corporate Structure 100% Indirect Ownership 2.0% General Partner Interest 69.09% Limited Partner Interest Public Unitholders 47,924,750 Common Units Targa Resources GP LLC 1,387,360 General Partner Units Incentive Distribution Rights Targa Resources Investments Inc. Targa Resources, Inc. Targa Resources Partners LP ("NGLS" or "Partnership") The Downstream Business Logistics Assets NGL Distribution and Marketing Wholesale Marketing TRI (Only) Natural Gas Gathering and Processing Permian Basin of West Texas Southeast New Mexico and Louisiana Gulf Coast Natural Gas Gathering and Processing North Texas Louisiana San Angelo, Texas 8 ManagementMerrill Lynch Warburg Pincus LLC 73.6% Indirect Ownership Interest * 19.9% Indirect Ownership Interest * 6.5% Indirect Ownership Interest * 28.91% Limited Partner Interest 20,055,846 Common Units * Ownership percentages are presented on a fully-diluted basis 8
Confidential Targa Resources, Inc. Summary Highlights 9
Confidential 10 Overview of Lloyd's of London
Confidential History "From its first beginnings in Edward Lloyd's Coffee House in 1688, Lloyd's has been a pioneer in insurance. Starting with its roots in marine insurance, Lloyd's has grown over 300 years to become the world's leading market for specialist insurance."
Confidential Owned by its members and unlisted, Lloyd's is actually a marketplace rather than a company, describing itself as "a society of members which underwrite insurance (each for their own account) as members of syndicates." Syndicate comes from the French word syndicat which means trade union (syndic meaning administrator), from the Latin word syndicus which in turn comes from the Greek word σύνδικος (syndikos) which means caretaker of an issue, compare to ombudsman or representative.Frenchtrade unionLatinGreekombudsmanrepresentative A group of individuals or companies formed to transact some specific business, or to promote a common interest; a self-coordinating group.group business 12 A Market of 'Syndicates' ….
Confidential From Coffee House…to Lloyd's Present Time 1689 - Ships and goods insured by wealthy individuals acting on a personal basis. - Lloyd's Coffee House: First recorded February 1689 1800-1850s - Development of the concept of "Lloyd's member": an official title for the business man who participate in practice of selling insurance within the Lloyd's Market. 1904 – 1960s - Introduction of automobile, aircraft, and space equipment liability insurance. 1996 - Reconstruction and Renewal – Asbestos and Pollution Claims - Corporate members introduced. - Equitas reinsures liabilities from 1992 and prior years. 2001 - Lloyd's regulated by the FSA (UK Financial Services Authority ) 2002 - Governance structure amended - Lloyds Franchise Board
Confidential Interesting Insurance Policies Issued One of the most famous … the $3.2 million policy for Tina Turner's Legs… Just about ANYTHING …. can be insured by the Lloyd's Market!! Or how about the legs of David Beckham… …or the voice of Bruce Springsteen!!
Confidential Internal View of Current Lloyd's Building
Confidential The Lutine Bell The Lutine Bell, weighing 106 pounds and measuring 18 inches in diameter, is synonymous with the name of Lloyd's. Traditionally it has been rung to herald important announcements – one stroke for bad news and two for good. The Lutine Bell is currently located in the center of the Market in the Lloyd's building. Due to a crack that has developed on the main section of the bell, it is now only rung to commemorate large disasters such as the collapse of the Twin Towers and the death of Royal Family Members.
Confidential Image of the Titanic 'Slip'
Confidential In what year did the Lutine Bell ring once (for bad news) related to the Titanic? (A)1910 (B)1911 (C) 1912 (D)1914 Quick Quiz!!!
Confidential A Possible Lloyd's of New York? Want to establish International Insurance Exchange modeled on Lloyd's Initial "Study" phase Attempted ~ 30 years ago Richard Ward, Lloyd's Chief Executive comments: "It's a challenging time to be setting up an insurance entity, considering the downward pressure on rates and oversupply in the market, far too early to say if Lloyd's would participate in the ultimate project, whatever form it might take." "Lloyd's is at the center of the insurance market and London is the preeminent city for insurance. There's no other place like it. The strength of London is the "cluster effect" -- 50,000 people working in insurance around the Lloyd's building." "Lloyd's generated an investment return of £1.8 billion in 2009, but was unlikely to repeat that performance in the current climate. Further, results were bolstered by the release of reserves from prior years, he said, something that cannot be counted on in 2010". Potential Competition from Wall Street 19 Reported by: David Jolly, New York Times, Thursday, March 25, 2010
Confidential 20 Overall Market Observations
Confidential First Decade of New Millennium in Review 2000Y2K – scare Presidential election decided by "hanging Chads" Non-event for insurance market 2001 - 2002 9/11 Enron melt down IPOD is launched $22.8 billion insurance disaster US Terrorism Coverage becomes a challenge D & O market 'hardens' and highlights need for Side "A" Only coverage 2003Launch of Iraqi War Space Shuttle Columbia tragedy Rates start reducing from 2001 peaks 2004Hurricane Ivan 12/26 Tsunami strikes Indonesia Super Bowl Wardrobe Malfunction Face Book launched Martha Stewart to prison $8.1 Billion insured loss and underwriters start trying to limit OEE coverage following Named Windstorm Courtesy of R. Blades, John L. Wortham & Son, LLP
Confidential First Decade of New Millennium in Review 2005Hurricane Katrina Hurricane Rita London Transit Bombings YouTube launched ! Most expensive Insurance disaster of all time - $45.3 Billion Oil Insurance Limited (OIL) loss exceeds $1 Billion CSL limit for all members for the first time $6.2 Billion insured loss OIL exceeds $1 Billion CSL again 2006Rates up post-2005 Hurricanes Pluto no longer a planet Twitter launched US Population reaches 300 Million Underwriters earn a record profit of $31.7 Billion. Only 2 nd year of underwriting profit since 1978! Courtesy of R. Blades, John L. Wortham & Son, LLP
Confidential First Decade of New Millennium in Review 2007 Another benign year for CAT losses Baseball Steroids scandal highlighted in Mitchell report Apple Iphone launched Underwriters earned a 19.3 billion profit; however cumulative underwriting deficit from 1975 to 2008 is still $442 Billion 2008 $700 Billion US Government bailout as result of financial crises Hurricane Ike strikes Houston Michael Phelps won 8 Gold Medals Elliot Spitzer resigns as NY governor Largest insurance "Capital event" of last 20 years as surplus was impacted 16.2% at one point $12.5 Billion insured losses 2009 Fewest Atlantic/GOM hurricanes since 1997 Bernard Madoff - $50 billion ponzi scheme Miracle on Hudson - U.S. Air HIN1 - Swine Flu declared a global Pandemic US insurers net income rose to $16.2 billion through 3rd quarter 2009 Lloyds underwriters earn a record profit of $5.81 Billion Courtesy of R. Blades, John L. Wortham & Son, LLP
Confidential 24 Factors Impacting Insurance Markets – Late 2008 Excluding hurricanes, the average property claim size increased from $6.3 million in 2002 to $22.2 million in 2007. Financial storm caused significant impact on the insurance market due to loss of investment income. Underwriters' balance sheets have been negatively impacted, causing insurers to reduce available capacity. New capital was not flowing into the market in a similar fashion following other catastrophes and/or hard markets. The full effect of the government's "bail out" of AIG still being determined as senior AIG underwriters change firms and AIG endeavors to maintain market share on certain lines of coverage – branding change of name to Chartis. Underwriters who relied on investment income to offset underwriting losses strove to achieve a true profit on underwriting.
Confidential 25 Insurer Solvency Concerns – 2009 a 'key year' The decline in the financial markets impacted the country's insurance underwriters. As some of these insurance companies faced liquidity challenges (or even potential insolvency,) it was imperative that risk managers monitor and evaluate the viability of the carriers that participate in their insurance programs. Financial products – Credit Derivative Swaps / Mortgage Backed Securities Those insurers involved in these 'products' got caught up in the downward spiral AIG, Swiss Re, Hartford, XL and others – Largest Insurers AIG deemed 'Too Big to Fail' – U.S. Govt 'Bail Out' under TARP Targa Insurer minimum A.M. Best Rating: A- VII Monitor insurance programs Long-tail vs. short-tail risk programs D&O Policies Primary coverage vs. high excess coverage What are the alternatives? Cost? Coverage? Have a 'back-up' plan
Confidential Brief Market Observations - 2009 Rates increased for CAT exposures following: –Hurricane Ike in 2008 which was 4 th largest insurance event in history –Economic downturn impacting balance sheets Underwriters were concerned about replenishing capital following CAT loss Underwriters strived to obtain an underwriting profit Named Windstorm capacity severely contracted especially offshore Numerous assureds reduced or eliminated Offshore Named Windstorm limit Underwriters' profits are up: –Benign hurricane season –Investment returns improve Courtesy of R. Blades, John L. Wortham & Son, LLP
Confidential Brief Market Observations - 2010 All assureds are looking to reduce premium / cost of risk Underwriters are under pressure from management and reinsurers to "hold the line" or provide only a nominal reduction Assured and brokers are striving for significant rate reduction in order to return to pre-Hurricane IKE rates or better! Will underwriters make Offshore named windstorm coverage more attractive to assureds? What is the most advantageous time to enter the market? Surplus has increased / investments improving New Entrants "Tug of war" over the right rate, retention and Named Windstorm limit will continue! Courtesy of R. Blades, John L. Wortham & Son, LLP
Confidential 28 Loss Deterioration Over Time
Confidential 29 Energy Losses vs. Total Premium Income
34 Onshore Energy Market
Confidential 35 Targa Key Gulf Coast Facility Locations
Confidential 36 Venice Main Office Post-Katrina's Visit
Confidential 37 Venice Main Office Post-Katrina's Visit
Confidential 38 Today…. All plants along coast damaged by storms now have new Modular buildings Office, MCC, I&E, anything with instrumentation/electrical components Elevated over 17 feet above Mean Sea Level (MSL) at bottom of frame Designed to withstand 150 MPH wind speed
Confidential 39 Some Loss Statistics… Insured Catastrophe (Cat) losses in 2008 exceeded all Cat losses in 2006 and 2007 combined. In the U.S. large claim activity included: Midwest floods - $725MM Wildfires in Southern California - $500MM Various property and business interruption energy, steel and mining occurrences 1,600 tornados (through September, 2008) compared to about 1,000 annually in a normal year Hurricane Ike projected between $13 billion to $21 billion 16 named windstorms occurred in 2008 (4th highest since 1944) making it the 10th year out of the last 14 to have above normal storm activity. 2010 not looking too good 1Q10 insured Cat losses - Haitian & Chilean Earthquakes Already at $7 - $10 billion
Confidential 40 Example of 'Subscription' Market Property Program Onshore Property Program Physical Damage / Business Interruption Excludes Named Windstorm Includes $12.5MM Offshore Contingent B.I. Coverage Various Deductibles, including Wind of 2% with $1MM min. and $10MM max. A "PATCHWORK QUILT"
Confidential 41 Pro-Forma View of Renewal Structure Onshore Property Program Physical Damage / Business Interruption Excludes Named Windstorm May include $10MM Offshore Contingent B.I. Coverage With potentially 25-50% Self-Insured Various Deductibles, including Wind of 2% with $1MM min. and $10MM max. …..EVEN MORE "PATCHWORK" $10MM Per Occurrence Retention for Windstorm Potentially Un-aggregated Windstorm (Provides full coverage for Each and Every Storm) Potentially Annual Aggregate Windstorm (Any Loss Erodes Coverage Limit) Potentially self-insure
Confidential Layer K $10MM CBI Separate Limit Amlin Order 7.5% Targa Onshore Property Program - April 16, 2009-2010 $25MM $400MM Base Retentions: $1MM PD; except $10MM Named Windstorm & Storm Surge Earthquake 2% $1MM min/ $10MM max – BI 45 days All Losses (60 days for 2 nd and Subsequent Storms) Note: AEGIS $50MM xs $50MM requires 60 day waiting period for all Windstorm losses Layer A $50MM Ascot et al Order 51%(42% CBI) Layer B $50MM xs $50MM MAP Order 7.5% Layer C $50MM xs $50MM AEGIS NJ Order 20% Layer E $25MM (includes CBI for Ironshore) Amlin & Ironshore Order 15% $100M M Layer D $50MM xs $50MM Allianz/ AIG/ Validus Order 18.5% Layer G $25MM xs $50MM Ironshore Order 12.5% Layer Q $25MM xs $50MM AES Order 4.5% (Excl. NWS) Layer R $25MM xs $50MM Jubilee Order 3% Layer H $25MM xs $75MM Argenta/Glacier/AES Order 20% Layer I 100MMM Excluding Named Windstorm (Risk Only) Catlin/Omega Order 12% Layer S $100MM Lexington Bermuda Order 12% Layer M $300MM xs $100MM London Order 11.5% Layer N $300MM xs $100MM Domestic Order 71% Layer O $100MM xs $100MM Glacier Re Order 7.5% Layer P $200MM xs $200MM Brit/Jubilee Order 7.5% Layer L Swiss Re Order 10% (Including Offshore CBI) Including Windstorm to $100MM 1)Offshore CBI Sublimit of $10MM – Only 79% complete. 2)Two layers not complete as respects NWS coverage: a. Primary $10MM: 88% (Self-Insuring 12%) b. $2.5MM xs $10MM: 94.67% (Self-Insuring 5.33%) Layer F (1) $25MM xs $25MM Max Re & Montpelier Order 15% Layer F (2) $25MM xs $25MM NWS Only Catlin/Omega Order 7% Layer V $12.5MM xs $12.5MM Montpelier Order 5.333% NWS Only Layer U $15MM xs $10MM Chaucer Order 6.667% NWS Only Layer J $75MM xs $25MM Barbican Order 5% Windstorm Only Layer T $25MM xs $50MM NWS Only Advent Order 11.5% Layer W $25MM xs $75MM NWS Only Berkley Order 7% Targa's 4/09 Renewal Structure – Very Painful!!
Confidential 45m 100m 400m 75m Deductibles Layer A Primary 45m (incl Premium Protection) (45m NWS e&e) Ascot – 10%; Aegis – 5%; Apollo – 5%; Heritage – 5%; Markel – 1.50%; Cathedral – 5%; Beazley – 10%; Kiln – 2.50%; Torus – 3.50%; QBP – 1%; HCC – 5% TOTAL – 53.50% Layer F Primary 75m (75m NWS e&e) Lexington Bda – 10% (sub approval) Ironshore – 20% Hiscox – 3% (3% NWS ded) TOTAL – 33% Layer H 400m Swiss Re – 10% TOTAL – 10% Full 'Quota-Share' Layer G 325m xs 75m (pipelines s/l 75m) Aegis – 5% Argenta – 7.50% TOTAL – 12.50% Layer E 355m xs 45m (pipelines s/l 75m) Liberty – 10% TOTAL – 10% Layer C 300m xs 100m Ascot – 10% TOTAL – 10% Layer B 55m xs 45m (55m NWS e&e) MAP – 7.50%; Hardy – 3%; WRB – 3%; Ironshore – 10%; Torus – 3.50%; Montpelier Re – 7.50% TOTAL – 34.50% TOTAL – 87.50% TO GO – 12.50% TOTAL – 67% TO GO – 33% TOTAL – 42.50% TO GO – 57.50% TOTAL – 96.50% TO GO – 3.50% (100m NWS e&e) (55m NWS e&e) (25m NWS e&e) Current Renewal Structure – Much Better!! 'Risk' Only Sample View : Fewer 'Layers' – Larger % Lines by Insurers
Confidential 44 Hurricane Hardening / Elevation Loss Mitigation
Confidential 45 Offshore Energy Market
Confidential 46 Storm Severity Damage Analysis Source: Watkins Syndicate Excerpt: Willis Energy Market Review – March 2009
Confidential 47 Hurricane Losses Difficult to Predict Excerpt: Willis Energy Market Review – March 2009
Confidential 48 Some Additional Loss Statistics… A record number of 6 consecutive storms hit the U.S. in 2008 (Dolly through Ike). 9 out of 11 most expensive hurricanes have occurred since 2004 per Insurance Information Institute (III). Hurricane Ike loss amount far exceeded underwriters' forecast based on their models, which were updated post 2005 hurricanes Even though it was only a category 2 hurricane, the radius of hurricane force winds was 115 miles or 10 miles wider than Hurricane Katrina which was a category 3 at landfall, but also had category 4 surge. Risk Management Solutions (RMS) originally estimated Ike losses to be $7 billion to $12 billion, which was revised to $13 billion to $21 billion Lloyd's has updated their Realistic Disaster Scenario (RDS) for offshore Gulf of Mexico named windstorm that include extending the wind field for the "dirty side" of a hurricane Underwriters have no choice but to assume an 'Ike' type storm will hit at least every 3 out of 5 years to make a profit (some may assume annually)
Confidential 49 Offshore Market Issues Last Year – Early 2009 Reinsurance underwriters are re-evaluating how much catastrophe protection to offer to direct underwriters: Seek to differentiate between those direct underwriters who change their approach to coastal and/or offshore exposures Some Reinsurers are exiting this class of business End of the year treaty renewals are still being finalized and are expected to be up between 30% - 40% Note: Chief Executive of Munich Re promised reinsurance rates "will now rise painfully". Certain underwriters will not be able to renew their reinsurance at acceptable levels and may elect to withdraw from GOM business or write a much smaller net line. Certain onshore underwriters are contemplating the non-renewal of midstream accounts as they represent a disproportional amount of their hurricane claims. Reinsurers and direct underwriters will tighten up Operator's Extra Expense extensions of coverage (extended redrill, making well safe, resulting P&A expenses) which represent a large portion of the Ike offshore claims. Underwriters are going to require a higher 'Rate on Line' (premium to limit provided) for both offshore and coastal exposures.
Confidential 50 Targa's 2009 Offshore Property Renewal In a nutshell – IT WAS UGLY ….. VERY UGLY!!! In our face to face meetings in London, every Offshore Underwriter had the same message….. "I am saving what little capacity I have for my existing insureds for renewal." "Of my existing insureds, I am dropping those that I don't have a 'relationship' with." "If I lose money again this year, my capital will not continue to support me." "I am basically having to write my capacity on a NET basis – Reinsurance too expensive and too high of a retention." "Buy it, don't buy it – I'm indifferent." Damages from Ike offshore show that very large losses can occur $40mm+ Property Damage loss from Ike on neighboring pipeline Past losses not an indication of the future (mutually exclusive) Common sense asks …. "Where's the value over the long-term????" $12MM per Occurrence Retention -- ~ 3% of Scheduled Offshore Values ~ $7MM Annual Premium $20MM Limits Year over year….. Targa's options / decision: Purchase the commercial market insurance Consider alternative options to the commercial property insurance market Relied on other commercial options and take the risk (self-insure)
Confidential 51 2010 Offshore Property Expectations Market is 'softening' more than anybody thought even at end of 2009 Rate on Line is down to ~ 15 – 20% (vs. 25 – 30% last year) Underwriters know they need to sell their purchased Windstorm capacity Targa will consider after Onshore Property renewal completed
Confidential 52 Sheila Lum Risk Analyst
Confidential What it means to be a CPCU… "CPCU" or Chartered Property Casualty Underwriter An insurance professional who has earned the CPCU designation CPCU's are considered the 'standard setters' of the insurance industry In order to achieve this prestigious designation, insurance professionals must meet certain requirements in the following areas: Education: CPCUs pass national exams on topics including insurance law, accounting, risk management, and ethics. CPCUs continually update their base of insurance expertise by participating in technical and professional development workshops and seminars. Ethics: CPCUs promise to abide by a Code of Professional Ethics, placing their clients' needs before their own. Experience: CPCUs must meet an experience requirement of 2 years to become a CPCU and have proven insurance expertise and knowledge.
Confidential CPCU Courses The following courses are required to earn the CPCU designation: Five (5) "Foundation" courses: CPCU 510 Foundations of Risk Management, Insurance, and Professionalism CPCU 520 Insurance Operations, Regulation, and Statutory Accounting CPCU 530 The Legal Environment of Insurance CPCU 540 Finance for Risk Management and Insurance Professionals CPCU 560 Financial Services Institutions Three courses in either the "Commercial" or "Personal" concentration: Commercial Concentration CPCU 551 Commercial Property Risk Management and Insurance CPCU 552 Commercial Liability Risk Management and Insurance CPCU 553 Survey of Personal Risk Management, Insurance, and Financial Planning Personal Concentration CPCU 555 Personal Risk Management and Property-Liability Insurance CPCU 556 Personal Financial Planning CPCU 557 Survey of Commercial Risk Management and Insurance
Confidential 55 Onshore Property Offshore Property Builders Risk General Liability Excess Liability Fiduciary Liability Directors & Officers Liability Crime Terrorism Hull & Machinery Ocean Cargo Protection & Indemnity Hull War Risks P&I Non-Owned Aircraft Commercial Auto Workers' Compensation & Employers Liability Surety Bonds Types of Commercial Insurance
Confidential Insurance Coverage Descriptions Onshore Property – covers 1 st party damage to or loss of buildings, personal property, business income caused by fire, lightning, smoke, water damage and other perils not specifically excluded under the policy. Offshore Property - covers damage to offshore assets such as platforms or pipelines. Builders Risk – covers a building and labor in the course of construction, including building materials and supplies while on or away from the building site.
Confidential General Liability - covers 3 rd party liability loss exposures, including its premises, operations and products. Excess Liability - provides additional liability limits for claims that are covered by specified underlying coverage such as general liability, automobile, and professional liability policies. Fiduciary Liability – covers the fiduciaries of an employee benefit plan against liability claims alleging breach of duties or errors in judgment and other wrongful acts involving their discretionary judgment. Insurance Coverage Descriptions (cont.)
Confidential Insurance Coverage Descriptions (cont.) Directors & Officers Liability – covers a corporation's directors and officers against their alleged wrongful acts and provides reimbursement to the corporation for any sum paid to indemnify directors and officers. Can also cover the company itself if entity coverage is purchased. Crime - covers loss of property through criminal activity -- from employee dishonesty to burglary and robbery, computer fraud, and forgery. Terrorism – covers property owners for their potential losses and liabilities that might occur due to terrorists activities, domestic and/or foreign.
Confidential Hull & Machinery - covers physical damage to vessels, including their machinery and fuel, but not their cargo. Ocean Cargo – covers loss to cargo onboard vessel. Protection & Indemnity – covers shipowners against various liability claims due to operating the insured vessel. P&I War Risks – covers liability due to acts of war and war- like operations specifically described in the policy. Insurance Coverage Descriptions (cont.)
Confidential Non-Owned Aircraft – covers 3 rd party liability for bodily injury and property damage arising out of the use of a non- owned aircraft. Business Auto – covers bodily injury and property damage if an insured vehicle is involved in an accident. Workers' Compensation & Employers Liability – provides coverage for benefits the insured employer is obligated to pay under workers compensations laws and also covers the employer if an injured employee sues for negligence in protecting the worker. Insurance Coverage Descriptions (cont.)
Confidential Surety Bond- is a guaranty from one party (the Surety) that a second party (the principal) will fulfill their obligations to third party (the Obligee) Principal: the one performing the work or fulfilling the obligation Obligee: the one for whom the principal is obligated to perform Surety: the company that is making the guarantee on behalf of the principal to the Obligee Differences between Surety Bonds and Insurance Surety Bonds have three (3) parties to the contract The principal is liable to the surety for losses paid by the surety In theory, the surety should not sustain losses on surety contracts Bankruptcy of the Principal is the key risk to the Surety company The coverage period is indefinite Insurance Coverage Descriptions (cont.)
Confidential 62 Laura DeLeon Risk Analyst
Confidential Nature of Risk 63
Confidential Classes of Risk 64
Confidential Basic Risk 65
Confidential Certificate of Insurance – 'Fronted GL Policy' 66
Confidential Certificate of Insurance – 'Self-Insured' GL 67
Confidential Recent Auto Accident – Targa Truck 68
Confidential Third-Party Driver at Fault 69 Truck that caused the accident
Confidential Targa's Truck – A Total Loss 70
Confidential 71 Alternatives to Commercial Insurance
Confidential 72 'Cat' Bonds Utilizes the Capital Markets via Institutional Investors Can cover any 'Cat' perils specified Can be for 1 – 3 year term Typically set as a 'parametric trigger' Minimum wind speed trigger (e.g., Category 3 Hurricane or higher) Eye of storm must pass within a set 'box' or 'circle' to trigger payout Unlike traditional insurance, proof of damage sustained is not required Bonds can cost out at a 'rate on line' of 20%+ of limit purchased Very expensive to put together Risk to purchaser – extensive damage but bond not triggered Example: Hurricane Ike Ike's wind speed was a Category 2, although storm surge was a Category 4 Significant damage – Onshore and Offshore If Category 3 wind speed had been a required trigger – would not have paid out Would have spent probably $6MM in premium and still had ??? $$ in potentially uninsured damage and business interruption
Confidential 73 Targa Resources: Storm tracker map showing 50 mile and 100 mile radius ACE 'StormTracker' Option
Confidential 74 OIL Insurance Ltd – an Oil & Gas Property Mutual Form of 'mutualization' for Property Risks Limit purchased – up to $250MM Attachment point – minimum of $20MM Provides $750MM Aggregate to All Insureds Provides Property Damage Coverage Only Coverage very restrictive – not as broad as London markets Only covers repairs to 'mechanical completion' Does not cover 'expediting expenses' Various other restrictions
Confidential 75 Marsh – Berkshire Hathaway 'Triple C' Product Another Form of Mutualization for Property Risks Similar to OIL Insurance Company Limit purchased – up to $100MM Attachment point – minimum of $25MM 5 Year Minimum Time Horizon Provides $500MM Annual Aggregate to All Insureds 20% Retrospective Penalty Premium Up front costs to join the 'group' Key questions: Who will I be in the 'pool' with? How much of the available $500MM Annual Aggregate received if losses? Any additional 'capital contribution costs' to join? Product got 'scrapped' in mid '09 due to lack of interest
Confidential 76 Directors & Officers Liability Market
Confidential A D&O Underwriter's 'Worst Nightmare'….. 77
Confidential D&O Liability – Summary of Coverages Side – A Coverage Provides coverage for Insured Individuals IF the Organization is UNABLE to provide Indemnification Indemnity is typically provided for under the organizations By-Laws Most common trigger of Side-A is 'Bankruptcy' of the Organization Side – B Coverage Provides coverage for Insured Individuals when the Organization is ABLE to provide Indemnification Insurer reimburses the Organization for costs it expends to defend and indemnify the D's & O's Most common coverage part utilized Side – C Coverage (aka 'Entity' Coverage) For Publicly Traded Companies: Provides coverage for the Organization itself for Securities Claims Only For Private and Non-Profit Companies: Provides coverage, with some limitation, to the Organization itself 78
Confidential Key D&O Underwriting Factors – Examples… Stock Analysis Stock Chart Analysis – 2 year 'look-back' Does stock perform in line with 'peers'? Have there been any large volume 'drops' or 'jumps' in the stock over the past year? Reason? Does the company give 'earnings guidance'? Current valuation in comparison to historic and peers Price/Earnings Ratio Price to Book Value EBITDA Multiple If stock dropped, we there 'Insider Selling' before the stock drop? Financial Analysis Does company have necessary 'Cash on Hand' and 'Free Cash Flow' Meet Debt / Other Corporate Obligations over next 3 years? Cash flow – steady or volatile? Use of cash flow? Amount available - Existing Credit Facility Trending of Revenues / Gross Margins / Net Income – Outlook Corporate Governance Make-up of Board / Management Team – Independence & Quality Any related Third-Party Transactions? Management Salary in line with Competitors? CEO / CFO have prior public experience? Any recent changes to Senior Management or the Board of Directors? 79
Confidential Targa NGLS v. Peer MLP's – 2 year 'look-back' 80
Confidential 81 Targa's D&O Renewal Expectations Many insurer's Combined Ratios (losses plus expenses) are well below 100%, so still making a profit Several new 'entrants' adding capacity to the market, which drives competition and keeps rates steady AEGIS (industry mutual) provides 'primary' coverage on TRPLP tower – initially talking about increases, but expectation is to get reductions. So far still no Financial Industry (FI) impacts crossing over into Energy Book Targa expectations are minimum 10% reduction!!!
Confidential 82 Excess Liability Market
Confidential 83 Targa's Excess Liability Renewal – 2009 was Tough!! Targa's first $15mm and $100mm xs $35mm -- Industry Mutuals AEGIS Energy Insurance Mutual Significant industry liability losses in 2007/2008 CA Wildfires (through entire coverage tower of CA Utility) Significant loss of investment income – lost ~ 1/5 th of Policyholder Surplus Much of those investment losses have been recovered Some have not -- pulled out of equities and into 'safer' investments = lower recovery 2009 Renewal was very difficult in October 2009 Kept coverage with AEGIS – no General Aggregate key reason Reduced limit for 'midstream' accounts by ~60% – from $35mm to $15mm Increased retentions from $1 – 3mm to $3 – 5mm 'Per Occurrence' Propane Claim Issues (industry, not Targa specific) Annual Aggregate Limit for Wildfires Increased premium costs > 40% even with significant reduction in limits Filled in new $20mm 'gap' with Aspen Syndicate (Lloyds) - ~$800k NEW Spend Required
Confidential 84 U.S. Excess Liability Market – Then to Now… …A year ago, all the key indicators were in place that the market would continue to 'harden' into 2010…. Decline in most insurers' Policyholder Surplus Collapse in Liquidity Excess Capital Disappeared Catastrophic Investment Losses Increased Costs in Reinsurance Several reasons why this market is actually moving into a 'soft' market… Cat losses not a severe as prior years Fewer insurers experienced combined ratios > 100% Reinsurance costs did not rise as much as anticipated Many 'buyers' exposures were lower (revenues, throughput) due to economy Better than expected investment returns Additional capacity entered the market on top of an existing over-abundance of capacity Insurers want to maintain market share creates downward pressure on prices Willis Energy Market Review 2010
Confidential 85 Targa's Excess Liability Renewal – 2010 Expectations AEGIS may impose a General Aggregate on the $15mm limit – key issue Key competitors may be lower on premium Goal is to achieve 5 – 10% overall reduction A lot depends on AEGIS' position Reductions likely in upper layers (excess of $100mm)
Confidential 86
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Tina Brooks
Harold Floyd "Tina" Brooks (June 7, 1932 – August 13, 1974) was an American hard bop tenor saxophonist and composer. Harold Floyd Brooks was born in Fayetteville, North Carolina. The nickname "Tina", pronounced Teena, was a variation of "Teeny", a childhood moniker. He was the brother of
Bubba Brooks
. He studied harmony and theory with Herbert Bourne. Initially, he studied the C-melody saxophone, which he began playing shortly after he moved to New York with his family in 1944.
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Browse, compare and enquire about new caravans, motorhomes, camper trailers and RVs
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30ft. "Coolibah". 30,000kms. Luxury fitout. Wide door. Ramp access. Walkaround Q/bed. Sep shower rom. 3 way fridge, gas stove. TV. Solar. A/c. Rollout awning, full annexe. Nissan Navara. Turbo diesel. 145,000kms. Air bags. New tyres
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Tue, 20 December 2011
The Blessings were joined by Eloy Lasanta of Third Eye Games and Leif Olsen and Bill Stilson of the Denver Gamers Association. We discussed Eloy's latest game, Part-Time Gods, and the upcoming Genghis Con XXXIII, at which Eloy will be a guest. Lot's of game-name dropping in this episode, what with the holidays and all… Links:


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Stellar Winery is South Africa's largest producer of fine organic, fair trade wines.
- Alcohol: 13%
- Vintage: 2015
- Closure: Screw cap
Shiraz, Cabernet Sauvignon
Tasting notes
- Dark plum and fruitcake on the palate
Suggested food pairing: Beef fillet, herb and garlic loin chops, duck with peppercorns or dark chocolate mousse.
Please enjoy safely and responsibly. Alcohol reduces driving ability, do not drink and drive.
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Faithful to Nature is an online retail store, specialising in a wide selection of natural supplements, vitamins, superfoods and health-related products. Our green team is all about helping you unlock your full potential to live a healthy life; however we are not medical professionals. Please do consult your health care practitioner when seeking medical advice.
Very good wine!22 Apr, 2016, By Jianine
Excellent wine, we thoroughly enjoyed it. Nice to know that its an organic wine. Will definitely buy again!


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Lot 4193: TWO PERFUME BOTTLES WITH ATOMISERS
Interiors & Jewellery - Objects & Collectables
by Leonard Joel
20 October 2016
Melbourne, Australia
Live AuctionPast Lot
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Oct 04, 2013 Faith Aquino Tech & Science 0
Jet lag is a common problem among people travelling from one time zone to another. Workers on shifting schedules are also having a hard time making adjustments. Both situations impose disruptions in...Sep 14, 2013 Faith Aquino Lifestyle & Travel 0
Japan has once again become the recipient of Ig Nobel Prizes. This year, Japan won two categories: medicine and chemistry. All it took for the medicine award was making mice that went through heart...Jun 27, 2013 Faith Aquino Tech & Science 0
A group of scientists at the RIKEN BioResource Centre have successfully cloned a mouse from a drop of blood using a donour's tail. Details were then submitted to U.S. journal Biology of...Mar 11, 2013 Adam Westlake Tech & Science 0
As part of an experiment that has gone on for eight years, scientists in Japan say they have created 581 exact genetic copies of one mouse through 25 rounds of cloning. The mice have all come out...Jan 09, 2013 Ida Torres Tech & Science 0
A team of Japanese researchers have found a way to turn a normally inactive male mice into a responsible father caring for its young. This could be done by exposing the mouse to certain ultrasonic...


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'Cat People'
Scorsese showed the crew this 1942 horror film also directed by Tourneur, and associated with producer Val Lewton. "I can't tell the structure -- it's so dreamlike, the essence of mystery. . . . The dream state was what we were trying to get at, trying to reach in 'Shutter Island.' "
© 2017, The Morning Call


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Title | Houstonian 2002 |
Creator (Local) |
Place of Creation (TGN) |
Date | 2002 |
Description | This edition of the Houstonian, published in 2002, is the official yearbook of the University of Houston. |
Subject.Topical (LCSH) |
Genre (AAT) |
Language | English |
Type (DCMI) |
Original Item Location | LD2281.H745 H6 v. 69 2002 |
Original Item URL | http://library.uh.edu/record=b1158762~S11 |
Digital Collection | Houstonian Yearbook Collection |
Digital Collection URL | http://digital.lib.uh.edu/collection/yearb |
Repository | Special Collections, University of Houston Libraries |
Repository URL | http://info.lib.uh.edu/about/campus-libraries-collections/special-collections |
Use and Reproduction | This image is in the public domain and may be used freely. If publishing in print, electronically, or on a website, please cite the item using the citation button. |
File Name | index.cpd |
Title | People |
File Name | yearb_2002_124.jpg |
Transcript | Smile for the camera! Twigg, seen here on Thanksgiving, 1999, looks forward to spending time with his family when he is not at school. A native of Reno, NV, the Houston resident is now married and has a young daughter. Photo courtesy of Michael Twigg Taking a breather Between his handling Honors College courseload, being a new parent and writing his first book, Twigg doesn't have many chances to relax. After he finishes college, he plans to remain in the school environment, teaching high school honors classes. Photo courtesy of Michael Twigg "I had a really bad attitude when the accident first happened, but I began to appreciate my life a lot more. I'm a very lucky guy." - Michael Twigg liclkael Iwigg |


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He's one of the major names in the new wave of DJ's and producers that is approaching from Holland and has discerned himself with the brilliantly punchy sound of his. Representing Sander van Doorn's Doorn Records, Nicky Romero strikes yet again with the devastating force of a massive, big room piece, influenced of the meaty beats of tech which results in a vibrant mixture of progressive, Dutch and tech. With his recent smash Sliced alongside Bingo Players on the shelves, Keyword is his new landmark to fall into line in his stunning discography.
Nicky Romero – Keyword [Doorn Records] – Beatport Link


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Guzman finished his season amongst the organization's best in several categories, including home runs (14), rbi (88), and runs scored (71). Guzman had 475 at bats in 125 games while making only 2 errors from his normal spot in left field. What a finish for Garrett Guzman…will this season earn him a spot on the 40-man roster so that he stays with the organization?
After struggling for much of the season at the plate, 5-tool prospect Danny Santiesteban finished strong hitting for a .538 Average in the Snapper's four games this week. Danny also had 2 walks, 1 double, 3 runs scored and 3 rbi for a great four game finish to his season. Danny then continued his hot streak, going 2 for 4 in each of the Snappers wins in the opening round of the playoffs. Getting it done in the playoffs earns Danny a spot as this week's Co-Player of the Week.
Danny's season hasn't been what he wanted as he hit for only a .219 Average in 338 at bats with 8 home runs and 12 stolen bases in 17 attempts. Perhaps this last week and a strong performance throughout the playoffs will give him the encouragement to work hard for another winter which hopefully will bring a better 2008 for this fine young man with so much natural ability.


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The first three months of this fiscal year for Square Enix aren't the hottest as they suffer a net loss of ¥2bn, with net sales up just 1.6% year-on-year to ¥24.9bn. Last year Q1 profited ¥690m. A weak release schedule was the root of the fiscal trouble. Square reports Dragon Quest Monsters: Terry's Wonderland 3D as being one of the top earners. The rest of this fiscal is loaded. Next week Square will be releasing United Front's Sleeping Dogs which is highly anticipated after Activision dropped the Hong Kong-based action sandbox game. October brings Hitman: Absolution and early 2013 hosts Eidos' new Tomb Raider. "The company is actively making investments in a sizable pipeline of content under development," said Square Enix in a press release. There are a considerable number of unannounced titles at the publisher with Final Fantasy XIII expected to be revealed soon. "We are making every effort to achieve a substantial earnings improvement in the fiscal year ending March 31, 2013 and beyond through a range of initiatives to respond to the changes in the business environment," they continued. Sleeping Dogs releases on Xbox 360, PS3 and PC August 14th in the US, 17th in EU. |
News Story
Square Enix Q1 down ¥2bn, "sizable pipeline of content under development"
07 August 2012 | By Simon Priest
- Related Games:
- Hitman: Absolution, Tomb Raider, Sleeping Dogs


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L & R Dorsalibre T3 brown - black crpe R2824 LPP lumbar support belt
SKU 9935347 L & R Dorsalibre T3 brown-black crpe R2824 Lpp lumbar support belt
26 cm lumbar support belt. Belt with scalable support, tailored to pathology. 4 whale spring steel, removable, allow to adjust the support according to the degree of pain and/or the level of activity1. With 4 whales steel spring, Dorsalibre guarantees a good lumbar support in the daily professional work, while with flexible whales, Dorsalibre improves the efficiency/comfort ratio of less traumatic activities (office, car, recreation, sport) 1. 2 elastic restraining straps to strengthen the lumbar support by type of activity. 1
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Light and airy fabric supporting the evacuation of sweat. Facilitated by past hands crpe lock opening and closing. Boning flexible and/or rigid amovible1 contains LaTeX.
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Fake bomb at phoenix airport
02 April
All the charges have been dropped against three African refugees who were charged for putting a fake bomb through security at Phoenix's airport in a possible "dry run" for a terror attack.
U.S. District Judge Neil Wake dropped the charges against Luwiza Daman, Asa Shani and Shullu Gorado on March 13 at the request of a federal prosecutor who cited new information in the case, according to court documents obtained Thursday.
"I had a pretty sympathy and for most part factually innocent client," Seplow said. "The whole country has been changed after 9/11 case — why do you think we have to go through all types of scanners when we go through courthouses? The people in power are scared and justifiably so, because you don't want to see a plane get blown up, and that's why they do it."
Daman, Shani and Gorado had been charged with a felony count of causing what appeared to be an explosive device to go through a security checkpoint at Phoenix's Sky Harbor International Airport on August 5.
Authorities had said that Daman had a suspicious item in her bag as she went through airport security intending to board a plane to Des Moines, Iowa. They said Shani had taped the items together and gave the package to Gorado, who gave it to Daman to take on the flight.
The package turned out to be a container of a paste-like food , with a cell phone taped to it. But authorities say it looked just like an explosive device when it went through an X-ray machine, and also pointed out that cell phones can be used to trigger bombs.
Investigators said the item suggested that the group could have been testing airport security. As per online news.
Delhi Darshan
Delhi Sightseeing
Delhi Agra Bus
Bomb Scare
Travel2Abroad .. all rights reserved


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Sabra Recalls 30,000 Cases Of Hummus Due To Listeria Contamination [News]
Posted by Bryan DiSanto on Apr 9, 2015 in Diet It UP, News, Reports
Got a container of Sabra hummus in your fridge? Triple check it. And then check it two more times. Sabra has officially recalled 30,000 cases of their Classic Hummus after learning about a potential Listeria contamination.
Read More


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IRONMAN North American Championship Texas
A Few Hundred General Entry Slots Remain!
4 Days, 1 Race: IRONMAN Texas
Get your Texas tri-cation on with exploration and local eats, then cap off your stay with post-race 'R&R'.
IRONMAN Texas Returns to The Woodlands
Mark your calendars for April 22, 2017, when the IRONMAN North American Championship returns to The Woodlands.
Gallery: Texas Brings the Heat
Germans Patrick Lange and Julia Gajer battle the elements to win Memorial Hermann IRONMAN North American Championship titles.
Spotlight: Patrick Lange Hits Bullseye in Texas
German Patrick Lange nails his "first rodeo" in The Woodlands to earn himself the IRONMAN North American Championship title.
Germans Grab Titles in Texas
Patrick Lange and Julia Gajer battle the heat to become 2016 IRONMAN North American champions.
Pros Converge on IRONMAN Texas
The pro who can manage the hot, windy, and humid conditions the best will take home the championship.
Tune In for Texas Coverage
Read more for details on how to follow the 2016 Memorial Hermann IRONMAN North American Championship, Texas.
The Midnight Hour: IRONMAN Texas
The Memorial Hermann North American Championship IRONMAN Texas closed with emotion and passion.
Naeth, Hanson Rule Texas Championship
A stacked field of IRONMAN champions and world champions alike descended on the Woodlands, which didn't fail to deliver a characteristically hot and steamy day of racing.


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Is this activity accessible without advanced planning or reservations?
Is this attraction a good picnic spot?
Is this attraction good for big groups (greater than 5)?
Would this be a good sunny day activity?
Would this be a good hot day activity?
Does this attraction require above average amounts of physical activity (long walks, climbs, stairs or hikes)?
Does this attraction have good scenic or skyline views?
Does this attraction involve animals?
Does this attraction provide visitors with a taste of the local culture?
Is this attraction pet friendly?
Thanks for helping!
We visit the place with 2 dogs and a baby and a kid on 2 years old. Beautiful walk, there are some stairs, but it's possible to walk with a baby carriage and then lift it up the... read more
We visit the place with 2 dogs and a baby and a kid on 2 years old. Beautiful walk, there are some stairs, but it's possible to walk with a baby carriage and then lift it up the few stairs you meet. If you walk up on the route back, you will get a shortcut!
My wife and I were staying 7 nights at the hotel Gavina. We had been told about this walk and we were not disappointed. The path is man made and excellent for walking. The entire route hugs the coast and the scenery is amazing. Also there are wonderful houses to be viewed along the way.
This path started at our hotel Hastel de la gavina and ended at a public beach. There are beautiful rock formations and ocean views. There are numerous posters describing the geology but they were in Spanish and I could not scan them.
A wonderful day trip from Barcelona! We drove to Calella de Palafrugell and easily found parking. After a short walk through town we found multiple signs for the trail. I couldn't say which town or beach was the most picturesque because it was all amazingly beautiful. There were many fantastic choices for lunch in all of the towns and many... More
Amazing coastline with forests ending in cliffs plunging into crystalline clear blue coves. There are a ton of footpaths to explore by foot or bike. Medieval villages and various gastronomic and cultural offerings.
Do walk it.It takes almost one hour and a half. Beautiful sightseing, lovely houses, the sea, rocks, seagulls, etc. It's sheer Costa Brava.
Our apartment was near Golfet and our daily walk of about 15-20 minutes to Calella was excellent. We also ventured on to Llafranc (45 mins) which was pleasant but more modern than Calella. We ended up stopping at Tamariu having been to Pals for a quick walk around (very nice!) and I think the walk from Golfet to Tamariu would... More
Over several days tried out most of the coast path round the local bays. Relaxing, lovely plants, spring flowers, scents, blue green sea, boats, great views & opportunities to visit relaxing coves - some beaches with adjoining cafes & restaurants, some more remote with sand or pebbles (great for stone balancing, one of our favourite pastimes). The May weather was... More
Loved every minute of walking on the nice pathway without any cars! Only the sound of the ocean on rocks (or sand), with the scent of honeysuckle blooms. The path goes thru rock tunnels that are intriguing, and then past beautiful oceanfront homes. Boats can be seen in the distance on the turquoise waters.
Excellent walk along beaches and clifside tracks, wonderfull views of the coastline and you continually come across beautifl little coves and bays which demand exploration.


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Lead Generation & Data Mining (Singapore data only)
- Status Closed
- Budget $30 - $250 USD
- Total Bids 24
Project Description
There are three parts to this project:
1.) I have a list of directory websites (in the media, advertising and branding marketplace) - all Singapore companies. You will be required to sort out these data (i.e. the company name, website, address, key management [such as managing director, marketing director, CEO or MarComm head] name and contact number and email) into an Excel spreadsheet. One such directory website is: [url removed, login to view] (I will only want Singapore companies and will give you more of such websites)
Do not overlap.
2,) Provide me more comprehensive database of Asia companies in the line of advertising, media and branding like the above industries I touched on. If you can suggest to me medium-to-large enterprise key personnel contact details, this will make you stand out more. Let me know of how many leads you can produce.
3.) Database of singer-songwriters-musicians base in Asia, especially Singapore.
**Let me know of your proven track records and if your capabilities are superb (shown), I am willing to fork out more than $250 and engage you on a long term basis.
^^Do let me know how long you need to perform the above 3 parts of the project.
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Airport Staff Solution
RS 2,00,000 To 4,00,000 Guwahati, Gurgaon, Ranchi, Aizawl, Bhubaneswar, Varanasi, Kolkata
Admission Is Going On For Aviation Training Apply Soon. ***Training Criteria*** Qualification : 10+2(Graduate Preferable) Age Limit : 18-28 Years Old Communication : English And Hindi ***Training Details*** T...
Key Skills : freshers,aviation,cabin crew,flight attendant
Business Development Officer ( 1 - 4 yrs)
RS 1,25,000 To 2,50,000 Darbhanga, Muzaffarpur, Samastipur, Bhopal, Allahabad, Azamgarh, Bulandshahr, Greater Noida, Jaunpur, Lucknow, Varanasi
The primary role of the Business Development Manager is new clients acquisition.. Cold calling to arrange meetings with potential client to prospect for new business. Responsible to generate and develop the channel & channel sales. \...
Key Skills : candidates should have a good convencing power.,candidates must done graduate.,fresher and experience both can apply for this job.,...
Vacancies for B.Tech(ll branches) in various locations of UP and DELHI/NCR ( 0 - 2 yrs)
Horizon Job Consultants
RS 1,50,000 To 2,50,000 Gurgaon, Gorakhpur, Kanpur, Lucknow, Noida, Varanasi, Haridwar
1. Diploma/B.Tech is must. 2. Experience would be preferred though not necessary. 3. Freshers may also apply 4. Urgent requirement 5. Salary is negotiable 6. Vacancies in may places of UP and Delhi/NCR
Key Skills : b.tech,electrical engineer,electronics & communication engineer,electricals,electrical engineering
Site engineer for EC and Electrical B.tech and diploma ( 0 - 3 yrs)
RS 2,50,000 To 4,50,000 Allahabad, Azamgarh, Faizabad, Gorakhpur, Kanpur, Lucknow, Varanasi
Looking for B.tech and Diploma candidates for site engineer profile for 4G. Candidate who are freshers also can apply. Best salary package with accomodation + mobile + internet charges will provide. Contact for more details
Key Skills : electrical engineer,telecommunication engineer,electrical site engineer,electrical incharge,electrical maintenance...
Dietician/ Nutritionist , home Science -Food and Nutrition ( 1 - 15 yrs)
Psalm Consulting Tm
RS 1,25,000 To 2,50,000 Aligarh, Allahabad, Bareilly, Kanpur, Lucknow, Varanasi
Education Qualification : Bsc /Msc /PG in Dietetics or Food Science & Nutrition Job Description : The Nutritionist is responsible for promoting and selling nutrition programs to potential members -Counseling members and guiding them on a nutrition...
Key Skills : dietician,nutritionist,food quality officer,dietetics,nutrition & dietetics,diet counselling
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Job Oriented Hr Training and Hr Generalist Training ( 0 - 5 yrs)
ALS Staffing
RS 1,50,000 To 2,00,000 Kanpur, Lucknow, Varanasi, allahabad
Human Resource Management as a function has expanded enormously over last 10-15 years. It now expects specialists for various areas like Recruitment, Payroll Administration, Compensation and Benefits, Learning and Development, to name a few. To meet ...
Key Skills : hr executive,hr executive trainee,hr trainee,hr manager trainee
Walkins for B.tech and Diploma Candidates ( Fresher)
Purvanchal Business Solution
RS 1,25,000 To 2,00,000 Udaipur, Agra, Aligarh, Allahabad, Bareilly, Gorakhpur, Greater Noida, Lucknow, Moradabad, Varanasi, Haridwar
Branch - ME/ECE/EEE. Experience : Fresher And Experience In Quality Testing Of Electronic And Electrical Equipment Are Required. Production And Maintenance Candidates Can Also Apply For Sidcul Hardware.
Key Skills : electrical engineer,electrical engineering,electronics engineering,electrical incharge,electrical maintenance engineer,electrical site...
NGO Requires Supervisors and Block Cordinators ( 0 - 3 yrs)
Golden Orchid
RS 1,00,000 To 4,00,000 Agra, Aligarh, Allahabad, Bareilly, Ghaziabad, Kanpur, Lucknow, Meerut, Saharanpur, Sitapur, Varanasi
Graduates 10+2 10th Freshers Experienced Candidate Handsome Salary offers Good Communication Skils Fixed Salary
Key Skills : ngo executive,ngo management
Pulmonologist MD - Bareilly, Shahjahanpur, Varanasi and near ( 0 - 20 yrs)
Psalm Consulting Tm
RS 20,00,000 To 25,00,000 Aligarh, Bareilly, Lucknow, Shahjahanpur, Varanasi
Urgent Required : Pulmonologist Md / Dnb medical Collage & Hospital location ; East and Central Up (bareilly, Shahjahanpur, Varanasi & Near) salary : Best in the Industry fresher Doctors Can also Apply
Key Skills : pulmonologist,medical officer,doctor,icu registrar,ot consultant,intensive care unit registrar,medical...
marketing and bussiness developer ( 1 - 5 yrs)
RS 1,00,000 To 6,00,000 North Delhi, Bhopal, Indore, Aurangabad - Maharashtra, Nashik, Varanasi, Delhi
we are expecting berst associates for our marketing team and developed my bussiness for internationalyy for this we hired best and experienced associate
Key Skills : marketing,bussiness developement,sales
Wanted Obstetrics and Gynaecologists for Top Hospitals ( 0 - 15 yrs)
RS 5,00,000 To 50,00,000 Nellore, Rajkot, Vadodara, Gurgaon, Bangalore, Thrissur, Kochi, Indore, Varanasi, Kolkata, Delhi
We are looking for Obstetrics and Gynaecologists in india. HarNeedi.com is an ingeniously developed job site for Healthcare, Pharma/Biotech, Food/Nutrition, and other Life Science domains. Position: Obstetrics and Gynaecologists Qualifi...
Key Skills : obstetrics,gynaecologist,obstetrics and gynaecologist,gynaecology,senior obstetrics
Requirement of Official and marketing staff ( 0 - 1 yrs)
Nishba Security Services
RS 1,50,000 To 4,00,000 Aligarh, Allahabad, Bahraich, Bareilly, Gorakhpur, Kanpur, Lucknow, RaeBareli, Varanasi
We have Urgently Required Enthusiastic & Dynamic Candidates for Branch Manager, Asst. Manager, & Marketing Manager in Our Company Who Can Give Best Efforts in Favour of Company.. selection & Designation Will Be as per Qualification & Experience….....
Key Skills : hr management,office assistant,market executive
Radiologist - MD / DMRD - in East and Central UP ( 0 - 25 yrs)
Psalm Consulting Tm
RS 25,00,000 To 50,00,000 Lucknow, Varanasi
Urgent Required Radiologist - Md / Dmrd with Mbbs location - East and Central Up salary : Best in the Industry health Care Sector - Multi Specialty Hospital / Diagnostic Centre / Medical Collage fresher Can also Apply
Key Skills : radiologist,rf engineer,medical diagnostic radiographer,mri,ct scan,radio diagnosis
Hiring for F&B or Food and Beverage Director ( 4 - 8 yrs)
Snr Consultants
RS 2,50,000 To 5,00,000 Agra, Allahabad, Kanpur, Lucknow, Varanasi, Haridwar, Nainital
Job Title Hiring for F&B or Food and Beverage Director Job Description* SNR CONSULTANTS is hiringF&B or Food and Beverage Directorfor Pan India. We required all hotels staff and team for 1-5* hotel. Job Description for F&B or Food and Beverage ...
Key Skills : f&b manager,food and beverage director,hotel management,foodbeverage director
Sales Officers and Terr. Sales Incharge Onroll Job in F M C G All U P ( 1 - 3 yrs)
Globe Consultants (since 1992)
RS 1,25,000 To 2,00,000 Agra, Allahabad, Ghaziabad, Gorakhpur, Jhansi, Kanpur, Lucknow, Varanasi
We are in Urgent Need Of Sales Officer & Terr Sales Incharge For Building Material Co, Cosmetics Co. & Stationery Co You Must have Min 1 Yr Exp in any Good FMCG Co. Age Below 30 Yrs for OnRoll Job with Good Brand Co in FMCG
Key Skills : fmcg sales,fmcg marketing,channel marketing,consumer products,cosmetics,food & beverage executive,consumer durable sales,sales,business development,...
Asso. prof. - General Medicine for Medical collage and hospital ( 6 - 20 yrs)
Psalm Consulting Tm
RS 12,00,000 To 18,00,000 Ghaziabad, Kanpur, Varanasi
Associate professor - General Medicine. Minimum teaching experience 6 years. salary-associate Prof - upto 1.5 Lacs,+ Acco.
Key Skills : general medicine professor,teacher,teaching,education
Max Pro Digital Studio
RS 60,000 To 1,75,000 Faizabad, Gorakhpur, Lucknow, Varanasi
To visit different schools within Gorakhpur and Lucknow to creat maximum business with his/her marketing skils.
Key Skills : candidate should be graduate with smart personality and good communication skill.,marketing,marketing officer,marketing executive,marketing head


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Choose your location
Thu / Mar 30
Comments (3)
Oct 17, 2012 — The art of the cocktail is on the rise, as the best mixologists around the world shake, stir, and pour with everything they've got in an ongoing battle for the title of best cocktail in the world. Lucky for you, this spirited cold war has brought about some of the strongest, tastiest, and most innovative creations in the history of the mixed drink.
To keep up with the shifting trends, modern cocktail bars and lounges specialize in everything from classic standards mixed to perfection to bold new concoctions that tantalize your tastebuds. Whether you're searching for signature artisanal blends of fresh and local ingredients or want to sample a variety of top-shelf whiskeys, there's sure to be a place featuring the liquid magic you're looking for.
Stop by an exclusive lounge that's been serving up blends of absinthe since before you were born. Or check out a bustling bar offering drinks with tongue-twisting names sure to flush your face with embarrassment long before the liquor kicks in. Whatever you're in the mood for, find just the right flavor at one our favorite mixology spots from around the world.
202 Brick Lane
London E1 6SA
020 7065 6806
589 Vanderbilt Avenue
New York, NY 11238
37 Rue Saint-Sauveur
75002 Paris
01 45 08 88 09
370 North La Cienega Boulevard
Los Angeles, CA 90048
441 Jones Street
San Francisco, CA 94102
Passeig del Born, 15
93 310 37 27
Gotenstrasse 71
10829 Berlin
0175 7123173
2624 North Lincoln Avenue
Chicago, IL 60614
Reguliersdwarsstraat 74
1017 Amsterdam
31 063 404 5122
Cocktail Bar / Lounge / Restaurant
528 Commonwealth Avenue
Boston, MA 02215
Paul F.
Oct 17, 2012
My Top 10 Mixology Spots: 1. Callooh Callay (London) 2. Lovers of Today (NYC) 3. Roger Room (LA) 4. Prescription Cocktail Club (Paris) 5. The Aviary (Chicago) 6. Drink (Boston) 7. Policy (DC) 8. Gespot (Amsterdam) 9. Varnish (LA) 10. Blind Barber (NYC)
Samantha L.
Oct 17, 2012
I feel real good about that Experimental Cocktailer.
Victor H.
Oct 17, 2012
Other good spots in Los Angeles with great mixologists are Las Perlas and The Varnish which happen to be right across the street from each other.


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$ 3.72
In Stock
- Condition:
- New
- Item No.
- 505812
- Mfg Part No.
- 13882
Product Information for Dixon Ticonderoga Wood-Case Pencil
Highlights for Dixon Ticonderoga Wood-Case Pencil
- Product Type:Wood Pencil
- Pencil Type:Soft
- Pencil Grade:#2
Marketing Information
Ticonderoga pencils offer a satin smooth finish to enhance writing comfort. Exclusive graphite core formula gives you extra smooth performance crafted from reforested California cedar. Top quality eraser provides easy, clean corrections. PMA certified nontoxic.
General Information
Physical Characteristics
NoRecycled Content
0%Assembly Required
NoGreen Compliance Certificate/Authority
PMAGreen Compliance
YesCertifications & Standards
Product Information


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Qualified Buyers
Information regarding this ship is available only to qualified buyers. If you are interested in obtaining complete specifications, please provide us with your company name and full contact information.
The owner of this vessel requires we obtain financial information regarding the perspective buyer prior to releasing any specific information concerning this ship. A qualified buyer is a company/individual that can financially qualify to purchase a ship in this price range.
Ships Specifications – Stock No.: S2388
Normal Passenger Capacity: 1994
Maximum Passenger Capacity: 2393
Passenger Cabins: 997
Outside Cabins:
Inside Cabins:
Cabins with Balconies: 22 %
Normal Crew Capacity: 770
Year Built: 1996
LOA: 279 m
Beam: 36 m
Draft: 7.82 m
Gross Tons: 73,817 GT
Service Speed (Knots): 22.4
Type of Ship: Cruise Ship / Open Ocean
Accommodation Rating: 4*
Last Refurbishment: 2012
Location of Ship: United States
Available for Sale: Yes – To Qualified Buyer
Available for Charter: No
Estimated Price: US$300,000,000
Capt. Ken Caine
Director of Commercial Vessel Sales - QPS Marine Ships
Email: email@example.com
Mobile Phone: +1-516-647-5129 (Preferred Contact Phone)
Office Phone: +1-954-842-4108
Fax: +1-954-926-5249
QPS Marine Ships
Nautical Ventures Group Building
50 S. Bryan Road
Dania Beach, FL 33004 USA
50 South Bryan Rd.
Dania Beach, FL 33004
United States


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