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McGraw-Hill Companies Inc. (MHFI) Barclay's Americas Select Franchise Conference May 22, 2013 10:00 AM ET
John F. Callahan - Chief Financial Officer and Executive Vice President
Manav Patnaik - Barclays Capital, Research Division
Manav Patnaik - Barclays Capital, Research Division
All right. Good afternoon, everybody. Thank you for being here. I guess it's the last one in this room, so we have the homestretch. I'm Manav Patnaik again, Barclays' information services analyst. I cover McGraw Hill Financial, I guess, ticker MHFI now. I'd like to thank Jack and Chip as well, he's back there, for coming to the conference.
As a brief introduction, Jack Callahan is the EVP and CFO of McGraw Hill Financial. He joined in December 2010. He has a solid background in financials ranging from Dean Foods to PepsiCo to GE, McKinsey. He's got a pretty solid background there. And also, for those of you who don't know Chip Merritt, who's sitting way at the back there, he's the Head of Investor Relations, and he recently joined as well. But he's been very helpful in the outreach.
So with that, I'll just let Jack run through his presentation and then we'll have some time for Q&A later.
John F. Callahan
Thank you, Manav. Good afternoon. It's a pleasure to be with you today and have the chance to talk about McGraw Hill Financial. And as Manav mentioned, if you don't know Chip, please use this as an opportunity to get to know him.
Before I get going, I do want to remind you that as we go through this, there are some historical information that we have adjusted. What we've done is we had significant onetime costs as it related to the separation of McGraw-Hill Education from McGraw Hill Financial. So they've been excluded from these numbers, and they're very well detailed in all our filings. And as always, I do need to remind you that I'm likely to have 1 or 2 forward-looking statements, and I do caution you on that.
Today, I was reflecting on getting ready for this, and it was -- today is a little bit of a landmark event in going to speak to investors, at least at a conference like this. This is the first time we're actually going as McGraw Hill Financial. Shareholders approved the change in name just 3 weeks ago at our annual meeting. But I hope, as I go through this, you realize that more is changing than just -- we divested Education, and we have a name change. There's a lot underway. I think we're already starting to see some benefits of a more focused, more streamlined portfolio, I think benefits we'll see further in the future. We believe there's a number of great trends out there that are going to continue to propel our future growth.
And I do want to address the fact that we are addressing a fair amount of cash and give you some sense of how we're thinking about what we're doing to both grow the business and, at the same time, return some to shareholders. And as I go through this, give you a brief overview of the great portfolio that we've had.
In the last few years, there have been a lot of work. And Manav mentioned I joined in late 2010. It's been a busy time. We've worked a lot to sort of realign our portfolio. So in 2011, we sold our Broadcasting business to Scripps, a much better strategic owner for the business. And more recently, we completed the sale of McGraw-Hill Education to private equity earlier this year.
The asset sales certainly have strengthened our balance sheet, have supported a step-up in cash that we've returned to shareholders. But most importantly, the McGraw Hill Financial portfolio is now focused and well positioned to sustain growth. Our strong start in 2013 is consistent with these recent trends and gives us great confidence on our full year guidance of high-single-digit growth. And I would just comment on this case that the numbers here underneath -- of McGraw Hill Financial are restated just to exclude the impact of Education.
Now that separation is complete, we are now intent on delivering on the promise of McGraw Hill Financial based on our vision of building the leading brands and ratings, benchmarks and analytics. We are introducing a common brand architecture that links together our portfolio of compelling brands. And last week, we had an opportunity to visit the New York Stock Exchange to mark the transition to a new stock ticker, MHFI. Our previous ticker was MHP, McGraw-Hill Publishing. Publishing is certainly part of the rich heritage of this company, 125 years old, but it's not part of our future.
We have a broad portfolio of terrific businesses. Clearly, S&P is the anchor, but we are much more than just a ratings business. S&P Dow Jones Indices, S&P Capital IQ and our Commodities & Commercial businesses are all valuable franchises with great growth potential. And increasingly, we are leveraging synergies across these businesses in areas such as data management, technology, talent management and administrative functions.
Perhaps one of the greatest synergies across the business is the ongoing build out of our global network. Today, about 40% of McGraw Hill Financial is outside of North America, and it is our intent to accelerate that growth. To that end, last year, every single one of the acquisitions we completed last year was outside of the United States. All of our businesses tend to be colocated in common locations around the globe. As we build out this global network of offices, the businesses are increasingly leveraging each other to understand specific market needs, enhance local reputations and work with leading customers.
And now, as we extend our global reach, there are multiple secular trends that we believe will sustain our growth well into the future. Let me give you just a few examples. In Ratings, we believe we're very well positioned given the amount of debt that has to be refinanced in the coming years at a time when the constraints on the banks' balance sheets are going up. Platts is benefiting as commodities shift ever increasingly towards an investable asset class. And given volatility, customers are increasingly shifting to longer-term contracts to daily -- to mechanisms based on daily price assessments, another way to kind of manage their longer-term volatility and commodity costs. Indices benefits from passive investing aided by the growth of exchange-traded funds; and S&P Cap IQ provides data and analytical insights to ever more sophisticated investors.
But we're not only focused on growth. We have made productivity a company-wide initiative. In the fall of 2011, we announced -- as part of the announcement to separate McGraw-Hill Education and McGraw Hill Financial, we targeted at least $100 million in cost reductions, and we've exceeded that goal. McGraw Hill Financial's share of these cost reductions contributed to the ongoing margin enhancement that we saw last year and continues into this year. And going forward, we intend to continue this focus on costs and relentlessly look for cost synergies around the globe.
Strong top line growth combined with margin enhancement has delivered strong earnings per share growth, which we expect to continue into this year. On a restated basis, which only includes McGraw Hill Financial, earnings per share grew 20% on a compounded basis between 2010 to 2012. The midpoint of our 2013 guidance implies mid-teens growth. We also generate strong cash flows. The onetime cash cost of separation has impacted free cash flow a bit last year and into this year. But going forward, we anticipate annual free cash flows approaching $1 billion.
With this level of cash generation, one of the most frequently asked questions by investors, "What are you going to do with it?" Our first priority for cash after repayment -- after the payment of our regular dividend, is selectively adding to our great portfolio of brands. Over the last 2 years, we have invested close to $400 million in tuck-in acquisitions that added capability across the portfolio. In addition, last year, we also formed an exciting joint venture with CME, combining the S&P and Dow Jones Indices, and I'll speak a bit more about a little just a bit. We continue to look for opportunities to build out the portfolio like we have.
We also have a clear commitment to returning capital. This company has a commitment to its regular dividend. We have increased it every year for the last 40 years. More recently, we have stepped up cash returned to shareholders, with close to $3.6 billion returned to shareholders since the start of 2011 to now. So far, just in 2013, we have increased our regular dividend by approximately 10% and entered into an accelerated share repurchase program for $500 million. Going forward, we will pace the return capital to shareholders with compelling acquisitions.
Now let me turn to provide you a bit more of an update on the performance of the businesses that constitute the portfolio. Let me start by recapping Q1 consolidated results. We're off to a good start. The first year is off to a really wonderful top line result, with the top line growing 14%. This strong top line performance combined with the cost initiatives that we've put in place, have allowed us to expand margins maybe even a little ahead of our expectations, of up close to 4 points in Q1. Taken in total, earnings per share were $0.80 in Q1, up 29%.
Let me talk about the major driver of these results in Q1, and that's the Ratings business. Ratings generates 45% of the revenue of McGraw Hill Financial and over half the profits. Furthermore, it also provides high value-added ratings information that is further monetized by our S&P Capital IQ business. As I mentioned earlier, we are very well positioned to continue to grow this business given the secular trends in capital markets around the globe. There's a lot of debt that has to be refinanced. The deleveraging of the banks continues. There's the development of more sophisticated public debt markets.
As the anchor of the McGraw Hill Financial portfolio, the results of S&P Ratings have been compelling. Revenues ended 2012 over $2 billion, and the first quarter of 2013 was very strong with 20% growth, largely due to strong corporate and high-yield issuance and a steady recovery in structured finance. Currently, the market does remain robust. But as a reminder, the back half of the year overlaps do become more challenging than what we see in the first part of the year.
Margins recovered in 2012 versus 2011 as top line leverage stepped up and the growth rate in compliance costs moderated. And we're very pleased with the solid margin improvement in the first quarter of 2013. All in all, a great start to the year.
One issue I do want to briefly comment on is the ongoing litigation with regards to the Ratings business. While many legal issues facing this business have been addressed, we continue to aggressively manage the United States Department of Justice complaint. The government reply to our request to dismiss was filed earlier this week, and we look forward to having the opportunity to present our position to the court in July. Today, I just want to reiterate that we will vigorously defend the company against such meritless litigation, and I would refer you to our website dedicated to this issue for more detail and ongoing updates.
With regards to other legal issues, we continue to work to remove most existing U.S. state actions to federal court in an effort to consolidate the proceedings, and we continue to address the remaining issues with 32 cases now dismissed outright. And across all the remaining cases, there are no trial dates set. Overall, we will continue to diligently address these litigation issues. In the meantime, as we just reviewed, the Ratings business is doing just fine.
Let me turn now to S&P Dow Jones Indices. As a reminder, this is a joint venture that was formed in the middle of last year with CME, creating the world's leading provider of index-related benchmarks. McGraw Hill Financial has a 73% ownership. The integration of the 2 businesses is now largely complete, delivering some cost synergies but, more importantly, combining 2 great franchises to drive future innovation.
One example of ongoing innovation is the S&P Low Volatility Index that was launched just 2 years ago and already has over $5 billion under management. The addition of Dow Jones has added considerable scale to this business, while the base S&P business continues to deliver solid growth. In the first quarter of 2013, the base S&P business grew 9%. Reported growth with the addition of the Dow Jones business was 45%. Margins, admittedly quite attractive, are benefiting from cost synergies of the combination, but the key will be the ongoing innovation to drive future growth.
And as I mentioned earlier, one great place to innovate is in creating new exchange-traded funds. The growth in EFT assets under management the last 5 years is exciting, and that trend continued into the first quarter, with S&P and Dow Jones-related EFT assets under management now well over $500 billion. This is a great business, and we're all excited about the future prospects of this combination in 2013, its first full year of operation.
Now let's turn to S&P Capital IQ, a leading provider of high value-added data and analytical tools. This is a broad portfolio unto itself. The integrated desktop platform was initially based on the legacy Capital IQ platform, which provides rich company-specific data and analytics. And now we are investing to build new capability. Enterprise Solutions provides important real-time data feeds. S&P Capital IQ, as I mentioned earlier, is the commercial arm for the Ratings business, providing ratings-related information in both the desktop and direct feed. And there's also a modestly sized research arm in this business.
In aggregate, this business has delivered double-digit growth over the last few years, with margins around 20%. In 2013, we currently expect mid-single-digit growth given the challenging conditions across the financial industry. But we are investing for the future, building a stronger portfolio of analytical tools and extending our real-time market information offering, in part leveraging the acquisitions made last year in R2 and QuantHouse. Profits in the first quarter of 2013 were a bit below a year ago, but we do expect to return to profit growth in the second half of the year.
Finally, let me review Platts and our commercial businesses. Platts provides commodity-related industry insights and price assessments. The historical base for this business is oil and petrochemicals, which continues to grow quite nicely. But we also are making investments and targeted acquisitions in iron ore and steel, natural gas and sugar to deepen our coverage and enhance our longer-term growth opportunities. The commercial businesses are headlined by J.D. Power, another great brand. J.D. Power last year had its best year ever as the business is benefiting from the global recovery in the automobile industry. Today, about 30% of J.D. Power's revenue is sourced across the Asia Pacific region, with growth -- led by strong growth in China, the world's largest automobile market.
Over the past few years, Platts has been the primary growth driver, aided in part with acquisitions like BENTEK, Steel Business Briefing and Kingsman. The business is off to a good start in 2013 with 10% growth in the first quarter. Growth in the commercial businesses has been relatively modest as strength in J.D. Power has been offset by a decline in our construction information business. However, the prospects for construction are improving as overall market conditions are stabilizing. The commercial business in total were off to a slow start in 2013, but we do anticipate improvement over the balance of the year. Margins have taken a big step up in this business. It's been driven by the sustained growth in Platts, which is a relatively higher-margin business, and some specific cost initiatives have -- and together raised margins to 27% last year. First quarter margins in 2013 were very much in line with that at 26%.
So that was a quick review of the businesses. It's a great portfolio. Individually, they're exciting businesses in their own right. And collectively, it gives us a wonderful platform for global growth. I'd also want to add that we have a great balance sheet, which has been further strengthened this year with the sale of the Education business. We have paid down 1/3 of our debt. And going forward, we have limited CapEx and working capital requirements. We'll generate these strong cash flows, and we'll use that to both build on the portfolio with targeted acquisitions and selectively continuing returning cash to shareholders.
So in closing, it's been a pleasure, I guess, to represent this new company, McGraw Hill Financial. We're 125 years old, but there's a lot that has changed. There's a lot that will continue to change. And I think you should sort of view where we are today as McGraw Hill Financial as the early pages of the next chapter of where the company is going. We have demonstrated that we know how to grow businesses. Most of our businesses started organically. And we expect 2013 is going to be another good year. It's certainly off to a strong start.
So with that, thank you for joining, and I open it up for questions.
Question-and-Answer Session
Manav Patnaik - Barclays Capital, Research Division
Thank you, Jack. Keeley [ph], that was 4 companies in 20 minutes, so good job there. I'm sure there's many, many questions. Let me just start off by the 2 that are in the spotlight nowadays. The first one, you mentioned briefly the DOJ case. I guess the DOJ filed their response to your response yesterday. Can you maybe give us just a quick snapshot of what was in that response? And then procedurally, I guess you guys have to respond? And then when -- what the arguments are?
John F. Callahan
Yes. Well, I mean, I'm not the legal expert on the government's response. Let me say this. In terms of what the government responded with, just like I think in the initial complaint, there were no surprises. So I think all is [ph] generally anticipated. From here now, we have an opportunity to file our response to their response. That will happen in early June. I believe it's by June 3. And then in early July, I believe it's July 8, we have the opportunity to argue. Both sides have the opportunity to argue the merits of the case on July 8. But I wouldn't point to July 8 as any magical date. Most likely, the judges listens. Because often -- and starts to form a point of view. So going back to the overall position of this, this is obviously an issue we take very, very seriously, and we'll be very, very aggressive in protecting our position. But from an investor point of view, we've been candid. I think this is going to be with us for a while in terms of -- as we kind of work through this stage by stage.
Manav Patnaik - Barclays Capital, Research Division
Okay. And I'm sure there'll be more follow-ups there. But if you can maybe briefly just touch -- I've been in Europe for the last week now, and you can't turn around the globe without hearing about the EC investigation into Platts. I guess you're involved, but mainly into your customers providing. Can you maybe just help clear up like what's going on there? Is it impacting Platts' business? And what I guess your leaders there are talking about?
John F. Callahan
Yes. Well, first, let me start. There's been no impact on the business, for example, the daily functioning of the market on close process that's really important in the price assessment. That delivery in the oil market has not been impacted in any way, shape or form. So that's the functioning, fine. We are cooperating with the investigation. It's still, I'll be honest, not necessarily clear what everyone is looking for at this point in time. So I'd -- and we're just going to kind of continue to cooperate. But not necessarily clear at this point in time what the real focus is for us right now.
Manav Patnaik - Barclays Capital, Research Division
Okay. Anybody...
Unknown Analyst
I have a big question.
Manav Patnaik - Barclays Capital, Research Division
Okay. All right. Well, I guess one right there.
Unknown Analyst
Yes. Just coming maybe to your margins, especially Ratings side, we hear from your peers that clearly, the business, because of the changes that have happened on the regulatory front and the compliance front, operating a ratings business now is much more labor-intensive on the compliance and regulatory front than it was. Does that mean -- obviously, you've shown great margin improvement in the last couple of quarters. On an adjusted basis, you were up 46%. Do you think that upward trajectory will remain in place? Or is it not fair to look at what you were achieving pre-crisis? Do you think -- as you continue to grow, will the -- basically, the economies of scale, which are inherent in the business, will they offset the higher fixed costs you now have on the regulatory compliance? That's basically what I'm trying to get at.
John F. Callahan
Yes. I have -- right now, we're still in the medium term. I wouldn't suggest margins are going to revert to pre-crisis sort of levels right now. That all being said, you have seen -- I think we'll continue to see some steady improvements in our margins. We are very pleased with the Q1 results. I'm not sure I'd continue to step up from Q1. I mean, I think Q1 could end up perhaps being one of the high water points of this year, but I think that will set up a margin improvement for the full year, and I think we can continue to grow off that moving forward. In terms of the compliance cost build out, a lot of that is behind us, where we are putting incremental compliance costs in the fairly targeted and manageable in the overall -- of the overall P&L. There's -- we already have a fair amount of legal expense built into the P&L. We haven't seen any big increase in that at this point in time. The one thing I would just caution you on -- and probably this is a topic that we'll come back to in future investor presentations -- there are some differences if you're trying to compare our margins to some other rating agencies. For instance, we have a business called CRISIL. That's about 10% of that business. If you want information on it, it's a publicly traded company in India. And that -- the fact that we have that business alone is probably worth over a point of margin delta between the 2 businesses. So there also are some differences also that we need to perhaps let everyone understand a bit better.
Unknown Analyst
Actually, on that note, do you mind commenting on CRISIL maybe, and some more details? How do you see the future there?
John F. Callahan
Well, it's been one of the best investments the company has ever made. So we have a wonderful relationship. We have 53% ownership. It's a great business. It's probably not growing as robustly this year as it has in the past, in part driven by some of the challenges, and more locally in the India economy. But its had some nice growth, and about half of their business is actually sourced outside of India as they provide a lot of services to global banks, their acquisition of Coalition last year. So in many ways, it's a little bit of a portfolio unto itself but a very interesting business and provides a lot of analytical support and leverage to our Ratings business around the world.
Unknown Analyst
And maybe lastly, if you don't mind, to the extent you can, could you comment on the Franken Amendment roundtable discussions from last week? And...
John F. Callahan
I was glad we had the opportunity to participate. And I think, led by Doug Peterson, I think -- I hope everyone had the view that we're very open-minded in trying to look for pragmatic solutions where there may be an issue. I think the one point that I think started to happen, I hope it continues, is there seems to be a lot of dialogues between rating agencies and governments, and it'd be nice if the investors would listen, too. Because at the end of the day, investors have a role in this, too; what information they need to rely on. Sometimes, I'm not quite sure that it's given the same focus that some of the other -- we'll see.
Manav Patnaik - Barclays Capital, Research Division
Okay. You talked about, in your presentation, that there's a lot of work left to be done. You're early stages in MHFI. Can you help maybe just elaborate, in terms of near term, medium term, long term, what that work entails? Like is the near term more around just sort of putting all these assets together, working with each other? And also, getting to the obvious question everyone tends to ask long term, is there more rationalizing of the portfolio coming? Like was Education the end of it there? More coming? And if not, is there more sort of -- outside of tuck-ins, anything more sizeable that you would want to fill in?
John F. Callahan
Well, I think you're -- the way I think about it -- short term, medium term, long term is the way I'm thinking about it, maybe to take a step back on the short term. We moved real fast the last 18 months to separate these businesses. We've outsourced a lot of activities across finance, IT, HR. Some of those activities are still underway. For example, our rollout of a new payroll -- global payroll provider is still, while approaching completion, is not done. So I would say, Phase 1 is we just have to complete all the initiatives we started to put in place last year. And so -- and then the organization then needs a bit of time to streamline existing processes and dealing with a new way of doing business. So we changed a lot last year, and I think 2013 is a year bit of stabilization and realization and simplification for us. As we start to get deeper into McGraw Hill Financial, and we already have started working as we have formed a couple integrating mechanisms, we are looking at common issues across the corporation. One will be technology and data, another one is compliance and government affairs, another one is customer market development. And we're starting to leverage these integrating mechanism, these committees to develop a company-wide view on how we manage and deal with the issues, the opportunities across the portfolio. And I think as we push forward on these mechanisms, that will then form further iteration of those sort of functional areas to kind of give us more precise and targeted support of the businesses long term and a bit more of an integrated manner versus where we've been in the past. But there's more to come on that. We're still -- I would say, we're 9 months into doing work in that area. And then lastly, as it relates to the portfolio, look, I think a lot of the heavy lifting on the portfolio is done. There's always going to be some fine tuning. There's some small little businesses in the portfolio we're looking at currently. So there's always going to be some fine tuning. I'd say, for right now, what we need to do is just kind of stabilize the business. We've been through a lot of change. And I do think, as we start to realize more of the potential of McGraw Hill Financial, I think that creates an opportunity for us to think about some other corporate development actions. But I think that's further down the line.
Unknown Analyst
You've mentioned that you've got sort of 4 businesses growing [indiscernible] sales basis at about 10%, it looks like at the moment, but also different profit margins. I'm just trying to understand what your mix shift is over time at the margin level and whether you've got any discretion on how you control that.
John F. Callahan
The second part, I have to think about. But I don't think there's any -- what's nice is some of our faster-growing businesses are some of our highest-margin businesses. So Ratings, Platts, the Indices businesses, those are our highest-margin businesses. They currently have the highest growth rates. So therefore, as it relates to S&P Capital IQ, our commercial businesses, as we work forward on those, it's important for us that not only do we work the top line, we're also trying to work the costs side. We've had some good success on the commercial businesses doing that, and I think you'll see some benefits of that as we get into 2014 as it relates to S&P Capital IQ. So I think, if anything, if there is a mix shift in the margin composition of the company right now, say, at least over the medium term, it feels positive, not negative.
Unknown Analyst
[indiscernible] prioritize the growth of the indices or ratings at the expense of Capital IQ, particularly given it's the best market for them at the moment?
John F. Callahan
But we're not really constrained. Why not do both? Right? I mean, we're not -- our capital -- our internal capital investment requirements are actually quite modest. This year, we could spend around $125 million in reinvestment in the business. So it's really -- we're not constrained. So as long as we can grow the business, each project, that we're getting an adequate return for shareholders, we're not going to -- we don't feel we're in the position to starve one business at the expense of others right now.
Manav Patnaik - Barclays Capital, Research Division
I feel like this is somewhat a back question but one I have to ask in the sense that you obviously paid a $700 million special dividend in December, you upped your regular dividend by 10% and you've done a $500 million ASR, but you're still sitting on $2 billion of cash and only $800 million of debt. So I guess what are the plans on -- clearly, I think you can be more aggressive, but how do you guys internally think about use of that cash? Prioritization? Should we expect more share buybacks to begin happening, et cetera?
John F. Callahan
Let me step back first. We've done a lot the last few months. So I mean, the special dividend was announced in December, and we just did the ASR. So that's $1.2 billion. So we haven't been sitting on it. So we have taken some actions. And in many ways, if you were to add together the special dividend combined with the share repurchase, in many ways, that represents a fair amount of the domestic net cash proceeds form the Education sale. That all being said, look, we recognize. Not only do we have a lot of cash, we generate a lot of cash. And going forward, we really kind of see it as a balance between -- if we have a smart acquisition that we think is going to build capability in one of these businesses, we're gonna chase it. We feel we've had reasonable success the last few years. But at the same time, if -- we also expect to deliver some share -- deliver -- buying back some shares. So we'll see what happens in the back half of 2013. We haven't made any firm decisions on that one way or the other. Totally understand that's a question that's high in your minds, and will certainly back to address that as we go through the year. The one caution I would just -- a reminder I'd put to everyone is while I do have around $1.9 billion -- honestly, maybe $2 billion sort of cash on the balance sheet, about half of that is offshore. So -- and for share repurchase, for dividend payments, for tax payments, I need domestic cash. So I think there is a little bit of balancing act on that. I don't see us, though, over the near term at least, doing anything -- any radical financial-only restructuring of levering up a significant amount to buyback more shares. I don't feel the need to even consider that right now just given how -- where we are right now in our cash position. Somewhere down the line, that's a conversation for a different day.
Manav Patnaik - Barclays Capital, Research Division
One more.
Unknown Analyst
If I can just -- a quick follow-up on the structured credit side in Europe in particular. It's obviously been extremely weak. Do you see any tentative signs of that turning around? And if not, do you expect to see them in the coming quarters? And just on that note as well, with CRA 3 likely to be implemented some time in the second half of the year -- I mean, do you -- as far as I understand, the mandated rotation of issuers on the structured product side, do you see that market as just less attractive then as a result? Or do you think it's -- when it does come back, even with the mandated rotation, it'll be fine and it would essentially be musical chairs between yourselves, Moody's and Fitch largely? And...
John F. Callahan
[indiscernible] that second issue first. I mean, my understanding of the regulation is it's not mandatory rotation across all elements of structured finance. It's not even RMBS or CMBS. It's only when you put a security that sits on top of it that's collateralized by those assets. So the asset class that you're talking about is fairly narrow. So you have a small piece of a business that isn't that big right now. So will it have some impact? Yes. Is it -- how much of an impact it really has on the overall business? It's not clear right now. But it feels -- at least it's been fairly focused where that impact is, and we'll work our way through that. Back to your broader question about structured financing in Europe, it -- broadly stated, it feels like, and if I would include the broader view of Europe including corporates, it feels like Europe is a bit better than maybe it was. But it's still -- the pace of activity is certainly not what we've seen either in Asia or in the United States. So it's steady. You'd like to believe you're seeing early signs, but I wouldn't be too aggressive at this point in time.
Manav Patnaik - Barclays Capital, Research Division
All right. So we'll be outside if anything. And thank you, Jack, again. And thank you, everyone, for being here.
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Fastway Couriers Wellington is set for success, thanks to the appointment of new Regional Franchisee, Nathan Court. Nathan's latest acquisition in Wellington follows the success of his Fastway Manawatu business, which he purchased in November 2014. ... More >>
New Chairman Announced at Fastway Couriers
Friday, 28 November 2014, 12:19 pm | Fastway Couriers
Fastway Couriers Ltd is pleased to announce the appointment of Brem Ellingham as Chairman of Fastway Couriers, effective immediately. Bill McGowan has retired as Chairman, however he will continue in the role of Non-Executive Director. Brem has ... More >>
Fastway Couriers leverages Gen-i services for global success
Tuesday, 15 October 2013, 12:11 pm | Fastway Couriers
NAPIER, 15 October 2013 - Fastway Couriers has extended its 15 year relationship with Gen-i to support the Napier-based delivery company's continued success and expansion into international markets. More >>
Fastway Couriers Makes Key FSO Appointments
Tuesday, 17 September 2013, 12:03 pm | Fastway Couriers
Fastway Couriers has announced the appointment of five new specialists at its Napier Franchise Support Office (FSO). The appointments follow Austin Mortimer's promotion to CEO of Fastway Couriers (NZ) and forms a key part of Austin's "new vision" ... More >>
Fastway Couriers announces New Zealand CEO and new direction
Monday, 26 August 2013, 1:20 pm | Fastway Couriers
Today, Fastway Couriers announces Austin Mortimer's appointment as CEO of Fastway Couriers (NZ) and the implementation of a new vision for the 30 year old New Zealand-owned and founded courier franchise business. More >>
Fastway Couriers recognises highway hero
Wednesday, 21 August 2013, 3:01 pm | Fastway Couriers
Fastway Couriers contractor, Dylan Pay, has been recognised for his role in preventing serious injuries during a four car pile-up on the Hawke's Bay Expressway on 2 July, 2013. More >>
Fastway Wellington 2IC goes the extra mile for Oxfam
Thursday, 28 March 2013, 4:21 pm | Fastway Couriers
Carl Simons, Business Development Manager at Fastway Couriers Wellington , is preparing to set a blistering time in this year's Oxfam Trailwalker and play his part in raising over $10,000 for charity in the process. More >>
Fastway Grows Indicating Precursor to GDP
Tuesday, 18 December 2012, 12:57 pm | Fastway Couriers
MEDIA RELEASE - 18 DECEMBER 2012 Fastway Grows Indicating Precursor to GDP Fastway Couriers New Zealand today announced another positive sales result for the September quarter with year to date sales up by almost 10%. Jason Windhager, Executive Director ... More >>
Fastway Couriers meet 'Urgent' demand in Christchurch
Thursday, 10 May 2012, 3:54 pm | Fastway Couriers
Businesses moving goods within Christchurch's city limits and immediate outskirts will benefit thanks to a new, franchise-first, Urgent Delivery Service, launched by Fastway Couriers Christchurch. More >>
Fastway Courier saves a young life
Thursday, 1 March 2012, 3:31 pm | Fastway Couriers
One of Fastway Couriers' Transport Linehaul contractors, Dennis Roderick, was involved in an outstanding act of bravery, saving the life of a toddler who wandered into the middle of the State Highway 1 near Plimmerton yesterday morning. More >>
Fastway rounds up 9 tonnes of currency for Heads Up for Kids
Wednesday, 21 December 2011, 4:38 pm | Fastway Couriers
Fastway Couriers has partnered with the Lions Club of New Zealand to collect and deliver over 9 tonnes of old and foreign currency during the last 18 months, all in the name of helping Kiwi kids learn and grow. More >>
New marketing manager takes the wheel at Fastway
Tuesday, 29 November 2011, 9:55 am | Fastway Couriers
Australia's largest courier franchise network, Fastway Couriers, has announced the appointment of Christine Guy as the company's new Marketing Manager. Guy brings to Fastway more than 15 years of experience as a Marketing Manager across a broad ... More >>
Fastway Couriers unveils nationwide brand refresh
Thursday, 24 November 2011, 11:19 am | Fastway Couriers
Fastway Couriers is poised to target the nation's burgeoning online retail industry with the phased nationwide rollout of bold, new branding. With the original logo penned almost thirty years ago, Fastway New Zealand Chief Executive, Bruce Speers, ... More >>

subset: commoncrawl


text:
Ambient advertisment created by Arnold, Netherlands for Arnold, within the category: Agency Self-Promo.
Advertising Agency: http://www.arnoldbike.com">Arnold Amsterdam. Amsterdam, The Netherlands
Creative Director: http://adsoftheworld.com/creative/sean_thompson">Sean Thompson
Creatives: http://adsoftheworld.com/creative/ben_holder">Ben Holder, http://adsoftheworld.com/creative/bob_haarmans">Bob Haarmans
Associate Designer: http://adsoftheworld.com/creative/juri_zaech">Juri Zaech
Production: Design Bending
Highest Rated
It was done couple of years back ago as illustrations by the same guy:
love this bike! seen something similiar as an illustration. great idea and just perfect for amsterdam!
wished they've showed what they've done online and more reactions on the street in the video.
It was done couple of years back ago as illustrations by the same guy:
Saw this bike in Cannes as well. It's just clever, but it kinda begs for some tag-on.
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text:
General enquiries
+44 (0) 20 7079 4399
Call HCA from 8am-8pm Mon-Fri and 9am-5pm Sat
HCA Healthcare UK
World-Class Care
Outstanding expertise
Dr Michael J Michell
MB BChir (Cantab) DMRD FRCR
Breast cancers
Breast imaging
Dr Michael Michell qualified in medicine from Cambridge University and was appointed Consultant Radiologist at King's College Hospital, London in 1986. He has been Clinical Director of the Breast Screening Programme at King's College Hospital and National Training Centre since 1998. The Screening Service carries out routine mammography examinations on over 35,000 women per annum and the National Training Centre provides specialist training in all aspects of breast radiology for radiologists, radiographers and other professionals involved in the service.Dr Michell has been involved in the development of the Quality Assurance Programme for the National Breast Screening Programme, has been Chairman of the National Breast Screening Radiology Quality Assurance Committee and is currently the Lead Radiologist for Screening Quality Assurance for London Region. He has been a member of the Department of Health Advisory Committee for Breast Cancer Screening and is currently serving on the Cancer Services Reform Group. He has lectured extensively in North America, Europe, the Far East and Australia and is an acknowledged expert on all aspects of screening and diagnosis of breast disease.
To Make an appointment, call HCA on +44(0)20 7079 4399
or click here
© copyright 2008 - 2017 HCA Healthcare UK.
Registered Name: HCA International Limited; The part of the UK in which it is registered: England and Wales;
Registered Number: 03020522; Registered Office Address: 242 Marylebone Road London NW1 6JL.
£500m has been invested by HCA International in the latest medical technologies and facilities over the last 10 years.
Your hospital will be one of our world-class private hospitals: HCA's world-class hospitals are accredited by The CHKS Accreditation Unit, a leading provider of healthcare intelligence and quality improvement services. The accreditation is a measure of the overall quality of a hospital and hospitals with CHKS accreditation have been shown to provide a better quality of service.
Your safety will be protected because we have more critical care beds than any other private hospital group: HCA hospitals achieved 100% compliance with all Care Quality Commission inspected outcomes of care in 2011.
Your treatment will be undertaken using the most advanced diagnostic and treatment facilities: Oliver Wyman, Corporate Accounts: Driving quality and value, January 2012.


text:
Fantastic Mushrooms Au Gratin
Recipe by Kittencalrecipezazz
This is one of my family's all time favorite mushroom recipes, you can double the recipe, I have left the garlic as optional if you are a garlic lover I suggest to add in and you may adjust the amount to taste --- you will love this! :)
Top Review by Bayou Mama
What a disappointment this dish turned out to be. We love mushrooms and cheese, but this was not a keeper for us. The sour cream mixture did not elevate the flavor of the mushrooms. I used king oyster mushrooms, button mushrooms, and beech mushrooms and would have preferred them simply sauteed in butter and garlic.
See Discussion:46 Reviews 3 Tweaks
Ingredients Nutrition
- 1⁄4 cup butter (4 tablespoons)
- 2 lbs fresh mushrooms, sliced
- 3 garlic cloves, minced (optional or adjust to taste, I most always add in)
- 2⁄3 cup sour cream
- salt and pepper (I use seasoned salt)
- 2 tablespoons all-purpose flour
- 1⁄4 cup chopped fresh parsley
- 1 cup shredded mozzarella cheese (or to taste, Swiss also works well)
Directions See How It's Made
- Preheat oven to 400 degrees F.
- Grease a shallow baking dish.
- In a medium skillet saute the sliced mushrooms with butter over medium-high heat (if using garlic add in with the mushrooms).
- In a small bowl, blend together sour cream, salt, pepper and flour.
- Add to the mushrooms in the pan.
- Heat until JUST beginning to boil.
- Transfer to a baking dish.
- Sprinkle with chopped parsley and cheese.
- Bake for about 10-15 minutes.


text:
Question about 1990 Jeep Wrangler
Can't figure it out is there a tensioner pulley really doesn't make sense 4.0L straight 6 (91 jeep wrangler YJ)
Posted by mmac1403 on
(1 Jeep Wrangler, Islander package. Alternator is solid mounted, had to loosen power steering pump to get on new belt. Has about 60 miles on new one and it is squeaking....any suggestions?
SOURCE: I have freestanding Series 8 dishwasher. Lately during the filling cycle water hammer is occurring. How can this be resolved
a 6ya expert can help you resolve that issue over the phone in a minute or two.
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the service is completely free and covers almost anything you can think of (from cars to computers, handyman, and even drones).
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Posted on Jan 02, 2017
Tips for a great answer:
Oct 18, 2011 | 1992 Subaru SVX
Sep 21, 2011 | 2003 Chevrolet Impala
Park the Pontiac in a safe work area and open the hood.
Inspect the top of the black plastic cover that surrounds the fan for the serpentine belt routing diagram. This diagram has the instructions for installing the new serpentine belt around the accessory pulleys.
Inspect the front of the engine and locate the automatic belt tensioner. The tensioner on the 1999 Pontiac model vehicles is located between the alternator and the crankshaft pulley. The tensioner has a pulley on one end with a bolt head in the center of the pulley. Use the bolt head to rotate the tensioner.
Turn the tensioner counterclockwise with the breaker bar and a metric socket. Pull the belt out from under the tensioner pulley with your other hand. Then, slowly let the tensioner retract until it stops.
Pull the belt out of the other remaining pulleys. Then, pull the belt out of the engine bay and lay it on the ground.
Route the new belt around the crankshaft pulley. Then, route the new belt around the other remaining pullleys by using the serpentine belt routing diagram for instructions.
Rotate the tensioner pulley counterclockwise with the breaker bar and socket. Then, slide the new belt under the tensioner pulley. Slowly let the tensioner retract until it stops. The tensioner pulls all of the slack out of the belt and brings the new belt to the proper tension. Remove the breaker bar and socket from the tensioner pulley.
Inspect the new belt to ensure that it is seated inside of all the accessory pulleys as directed by the diagram. Then, crank the engine and allow it to run for about 15 seconds. Turn the engine off. Inspect the belt again once more to ensure that
the belt is still around each pulley. Close the hood.
May 22, 2011 | 1999 Pontiac Grand Prix
Nov 20, 2010 | 1987 Pontiac 6000
Aug 26, 2010 | 2006 Toyota Sienna
Aug 12, 2010 | 2001 Volvo S60
May 29, 2010 | 2003 Ford Expedition
Feb 17, 2010 | 2003 Nissan Altima
Jul 09, 2009 | 2000 Buick Park Avenue
Mar 07, 2009 | 2001 Audi A6
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text:
Nicole Scherzinger admits she battled with Acne
8 October 2014
Sheâs reportedly engaged to F1 star Lewis Hamilton, enjoyed huge success with one of the worldâs most popular girl bands and even has her own clothing line â but even Nicole Scherzinger fell victim to having the dreaded zits when she was a teenager.
Nicknamed âpizza faceâ, itâs hard to believe that as one of the industryâs most beautiful women, Scherzinger had her own skin struggles.
âWhen I was 14 I started to get breakouts on my face â one or two monster spots at a time. I was even called pizza face,â she explained. âIâd try to dry out the blemishes with toothpaste and cover them up with concealer. The spots followed me into womanhood.â
However, Nicole wasnât alone in her battle with Acne, revealing how her sister Keala also suffers from breakouts. But the former Pussycat Dolls singer has managed to keep both her skin â as well as her figure â under control by following a healthy eating and exercise regime.
âIâll snack on carrots, celery and almonds, lunch might be a big green salad with tuna or chicken or a sandwich, while dinner will be pasta or chicken with veggies or sushi,â she said. âI love soft boiled eggs, so if Iâm working out in the morning Iâll have those on brown toast with smoked salmon.â
Well would you believe it â even someone as stunning as Scherzinger can fall foul of Acne! Did you ever suffer from Acne? If so, what remedies did you find relieved your skin condition? Tell us on Twitter!
Landmarkmedia / Shutterstock.com


text:
Just When You Thought Jerry Couldn't Get Any Stupider,........
We're fu*cked! ┬ĀWe are just pure "D" fu*cked!!! ┬ĀWe had a good team with depth Rob brought in during the pre-season. ┬ĀJerry summarily cut every single one of them. ┬ĀEnding up bringing them back with the rash of INJ's. ┬ĀNow, he put's it on Rob? ┬ĀLast I checked. ┬ĀThe Defense don't throw INT's or call plays on the Offense.
I'm so sick of the dummy. ┬ĀI don't know what to do. ┬ĀHow in the hell we get stuck with this chump? ┬ĀThe only one out there that's keeping the few real Cowboys fans, that's left with any kind of hope. ┬ĀAnd this Dumbass,...... fires him? ┬Ā
Fuc*ked!!!!!,....... ┬ĀNo other way to put it. ┬ĀEvery Cowboys coach out there on the field has the look of fear on their face except for Rob. ┬ĀTony Romo, a scared little _____,...... ┬ĀThe Defense makes up for his mistakes and the coach get's canned. ┬ĀLet me say this in my mad voice,.......uh hem,........DAMN, DAMN, DAMN, DAMN, DAMN,...........
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text:
Boss TU3
Credit provided subject to age and status. Learn more.
Discount coupons not valid for finance purchases.
The pedalboard must-have that is the Boss TU3, combined with what you need to get your other pedals powered quickly and easily!
- Great value bundle!
- 1 x Boss PCS20A 8-pin Parallel Cable for Boss Pedals (274894)
- 1 x Boss TU3 Tuner (078435)
- 1 x Boss PSA230 Regulated 9V DC Power Supply (135524)
- 21-segment LED meter with brightness control
- High-Brightness mode enhances meter visibility outdoors
- Accu-Pitch Sign function provides visual verification when tuning is complete
- Chromatic and Guitar/Bass mode (tune by string number, with support for 7-string guitars and 6-string basses)
- Flat tuning is supported with Guitar Flat mode, which allows for "drop" tunings up to six semitones below standard pitch
- Tuner automatically mutes when the tuner is on
- Supplies power for up to 7 BOSS compact effect pedals
The world's top-selling stage tuner, the BOSS TU-2, evolves and improves with the TU-3. Housed in a tank-tough BOSS stompbox body, the TU-3 features a smooth 21-segment LED meter with a High-Brightness mode that cuts through the harshest outdoor glare. Choose between Chromatic or Guitar/Bass tuning modes, and enjoy visual pinpoint tuning verification with the Accu-Pitch Sign function. The TU-3 incorporates a convenient Note Name Indicator that can display notes of 7-string guitars and 6-string basses, while the Flat-Tuning mode can support up to six half-steps. It's the new-standard tuner that no guitarist or bass player should be without!
Please note that these videos are dynamically generated by means of a Youtube search for the phrase "Boss TU3" to save you time searching Youtube yourself. As such, the views expressed may not be those of Red Dog Music Limited, any product features or specifications quoted should be confirmed with Red Dog Music staff prior to ordering, and the content may not always be relevant to the product shown on this page.
The Korg Pitchblack Mini is a feature-packed floor tuner in an ultra-compact housing, leaving you more room for effects!
- Compact size for pedal-board
- Large hi-visibility display for easy readibility on stage
- Powered by battery or 9V external power source
- High accuracy tuning of +/-0.1 cent in strobe mode
- True bypass
- Adjustable calibration to various concert pitches
- 3 modes of operation: Regular, strobe and half-strobe.
If you're going to play, play in tune: something that's easy with the D'Addario Chromatic Pedal Tuner!
- Guitar tuning pedal
- 32-bit processor for fast response
- True-bypass wiring
- 0.5 cent tuning accuracy
- Calibration range 415-475Hz
- Full-colour vertical display
- Slim, lightweight design
- 9v Battery included (can be used with 9 Volt power supply (not included)
The pedalboard must-have that is the Boss TU3, combined with what you need to get your other pedals powered quickly and easily!
- Great value bundle!
- 1 x Boss PCS20A 8-pin Parallel Cable for Boss Pedals (274894)
- 1 x Boss TU3 Tuner (078435)
- 1 x Boss PSA230 Regulated 9V DC Power Supply (135524)
£65.00 inc VAT
In stock
This item is currently in stock and available to order online.
If you wish to collect, please make sure to call your local Red Dog Music branch to confirm availability before travelling.
- 14-day money-back guarantee
For all items ordered online or over the phone, we offer the statutory 14 day "cooling off period". This means that if you are unhappy with the goods for whatever reason, you can return them for a full refund within this period.
Please note, however, that certain items are exempt from this – see our Terms and Conditions for more info.
- 5 year warranty
This product comes with a 5 year warranty as standard.
Please note that you will need to register your product with the manufacturer to qualify for any warranty beyond 12 months.


text:
Retired couple would have been saved if grill door was open 'a few millimetres'
A retired couple accidentally poisoned by gas cooker fumes would have survived if the grill door had been opened by a few millimetres, an inquest has heard.
John 'Francie' and Frances 'Nan' O'Reilly were found dead in January in the living room of the static caravan they had lived in for 30 years in the seaside town of Newcastle, Co Down, in Northern Ireland.
Belfast Coroner's Court heard they owned a gas cooker which had been the subject of a number of safety warnings about the serious risks of carbon monoxide build-up associated with operating the grill with the door closed.
When the couple, both aged in their mid-70s, were found the grill was turned on and the door was closed.
Principal inspector with the Health and Safety Executive NI, Jim King, told coroner John Leckey that even having the door slightly ajar would have enabled enough air to get to the flame to keep it alight and prevent the gas build up.
"The difference is a few millimetres," he said.
"That would probably have saved their lives. We are looking at a terrible tragedy - a few millimetres would have made the difference."
Mr Leckey said the case demonstrated the often "fine line between life and death".
Mr King told the court the O'Reillys' cooker - a New World Vision 50WLM - was among 17 models from four brands owned by manufacturer Beko that had been subject to product warnings.
The cookers are used in all types of kitchens, not just caravans.
He said the cookers complied with EU regulations and were "perfectly safe" to use with the grill door open, but he said they had a specific flaw that, if operated against guidelines with the door closed, could cause a large volume of carbon monoxide to build up.
The inspector said he was aware of six other deaths in the British Isles - three in England and Wales, two in the Republic and one in Northern Ireland - caused by operating one of the cookers with the door closed, between 2008 and 2009.
He said Beko had issued a number of product warnings, which offered advice on how to get the cookers modified.
Mr O'Reilly was a gardener and his wife a retired shopkeeper. They did not have any children.
Their nephew Vincent Marks told Mr Leckey they were "set in their ways".
"New appliances - they wouldn't have been up to date with them," he said.
"They wouldn't have been up to date people."
The couple lived full time on a plot in Bonny's caravan park.
In August 2010, two teenagers were killed by carbon monoxide poisoning in Northern Ireland.
Neil McFerran and Aaron Davidson died after a gas leak in a holiday apartment in Castlerock, County Londonderry.
The 18-year-olds had been staying at the apartment near Coleraine with a third friend, Matthew Gaw, who survived. The three men were found by relatives.
The law surrounding carbon monoxide alarms was tightened as a result and the warning devices are a legal requirement in all new homes.


text:
Doctor insights on:
Gas Pains And Feeling Bloated During Pregnancy
I haven't had my period for 2 months i took 2 home pregnancy tests and both came back negative headaches, gas, bloated type of feeling, restlessness, change in hunger.
Pregnant?: You need to see your primary care MD or and OB/GYN ASAP! You need to be sure. ...Read moreSee 1 more doctor answer
Pregnancy (Definition)
When your due date arrives, you will be more than ready to have your baby! Most women deliver the baby somewhere between 37 and 42 weeks. According to the American College of Obstetricians and Gynecologists, only 5% of babies arrive on the exact due date. Approximately 7% of babies are not delivered by 42 weeks, and when that happens, it is referred to ...Read more
Pass gas and bloated during pregnancy?
Normal: The growing uterus is putting pressure on your intestinal tract causing the bloating and subsequent gas passage. ...Read more
Can you feel bloated and pass gas a lot during pregnancy?
Pregnancy: Yes. Due to the elevated Progesterone levels in pregnancy, you may feel bloated, constipated, or experience more gas. ...Read more
I had an etopic pregnancy and had like gas pains in the tops of my shoulders im pregnant again and I have pains in the side of my shoulders ?
Hmmm: I would recommend an evaluation to assess pregnancy location. An unruptured ectopic pregnancy is not likely to cause those symptoms. ...Read more
Gas pains, or fetal movement? Negative pregnancy tests
Gas pains more: Likely. It is not feasible to have fetal movement and have a negative pregnancy test. ...Read more
I have a week with belly pain and my belly is bloated
i took a pregnancy test and it was negative it feels like gas but there not
You : You should see your doctor for an abdominal pain work up. In many cases this type of pain is indicative of a urinary tract infection (uti), gastroenteritis (stomach flu), or even secondary to certain foods (i.e. Dairy or fatty foods). Regardless a more detailed history, and a medical evaluation including diagnostic testing is in order. Take care. ...Read more
I'm 10 days late for my period.... I'm bloated to the max with gas & my pregnancy test are negative.... Should i see a doctor?
Yes: If you have had unexplained symptoms for 10 days, it would be prudent to see your doctor. ...Read more
Pregnant? I was spossed to start my period on dec 18th. I did not, then on the 29th i strated spotting i only spotted for 2 days. I took a pregnancy test, it came negitive, but im having a whole bunch of gas feel bloated and breast hurt.
You : You may wish to repeat the pregnancy test. ...Read more
Been experiencing gas, stomach pain, constipation, bloated, hot ears, frequent urination, fatigue. Had unprotected sex. Could this be from pregnancy?
That is possible if: You have missed your period. Take a home pregnancy test to know one way or another. Take care. ...Read more
Have normal period, 3 negative pregnancy tests (each taken a month apart), no pregnancy symptoms other than bloat and bubbly gas; could i be pregnant?
Not likely: You are having normal periods and preg tests are negative you can not be pregnant. ...Read more
Gas (Definition)
In a medical context, "having gas" refers to having too much gas in the bowels. This causes burping, cramps in the belly, ...Read more
- Talk to a doctor live online for free
- Extreme gas pains during pregnancy
- Feeling bloated and stomach pains
- Gas pains during pregnancy first trimester
- Ask a doctor a question free online
- Feeling bloated during ovulation
- Gas pains during period
- What do gas pains feel like during pregnancy?
- Feeling bloated early sign of pregnancy
- Talk to a obstetrician and gynecologist online


text:
CyberTeachers Live by Berlitz is a web-based online platform that provides you with customized language instruction around the clock.
The e-Lessons are individually developed and adapted very specifically to your personal daily routine.
CyberTeachers Live provides:
- A wide range of training media like e-mail, videos, mobile phone applications, podcasts, and more.
- 20 language tools, such as Speech Trainer, Speed Memorization, dictionary, translator, writing assistants, situation cards, etc.
- Monitoring tools that continuously analyse your performance and individually adapt the level of difficulty of each lesson.
- Personalized teaching content.
- Feedback reports after every lesson and opportunities to compare your learning progress with that of the other course participants.
In addition, CyberTeachers Live provides you with unlimited access to a Live Coach 5 days a week, 24 hours a day. At the click of a button, contact a Live Coach who will appear on your screen and answer your questions, or take part in a virtual conversation course in a Live Classroom.
Your benefits, in brief:
- Time savings
- Flexibility
- Cost savings
- Fast learning pace
- Free course consultation and placement:
- We will be happy to answer all your questions about CyberTeachers Live in a personal consultation. The language training is suitable for every level - whether you're a beginner, intermediate or advanced. With us, a free assessment test is a given.
- Languages offered: English


text:
Sunpan Catalan Concrete End Table
- $1,249.00SKU: CZ0610490Dimensions: 49"L x 28.5"W x 16"HAdditional Product Details >
- view full cart detail >
- Subtotal
- Name: Catalan Concrete End Table
- Collection: Catalan
- Vendor: Sunpan
- Comment: Price may vary based on option(s) selected.
- Dimensions: 21.75"L x 21.75"W x 22.5"H
- Construction: Tops: Concrete
Legs/Base: Welded steel
- Finish: Concrete/Brushed Steel
- Origin: Made in Vietnam
- Recommended Care: Stone: Dust with a soft, dry cloth. Immediately
dab wet spills with a dry cloth.
Jordan's Furniture recommends purchasing our Furniture Protection Program.
- Warranty: 1 yr from all factory defects


text:
16 December 2009,
London, South Kensington
Price realised GBP 13,125
Mary Fedden, R.A. (b. 1915)
Still life
signed and dated 'Fedden 1949' (lower left)
oil on canvas
20 x 16 in. (50.8 x 40.7 cm.)
New York +1 212 636 2000
London +44 (0)20 7839 9060
Hong Kong +852 2760 1766
Shanghai +86 21 6355 1766
Johanna Baring
+44 (0)20 7752 3217
In 1947 Fedden held her first exhibition at the Mansard Gallery in Heal's Department Store, where she showed still life and flower paintings. Following this she was commissioned to paint covers for Woman magazine, of which the present work is an example.
Special Notice
No VAT will be charged on the hammer price, but VAT at 15% will be added to the buyer's premium which is invoiced on a VAT inclusive basis.Artist's Resale Right ("Droit de Suite"). Artist's Resale Right Regulations 2006 apply to this lot, the buyer agrees to pay us an amount equal to the resale royalty provided for in those Regulations, and we undertake to the buyer to pay such amount to the artist's collection agent.
Gifted by the artist to her sister and by descent to the present owner.
From Yves Saint Laurent in Paris to David Hockney in New York, the must-see shows for the second half of 2017
Christie's to offer collectors the opportunity to acquire personal items treasured by the film and fashion legend


text:
Magma ExpressBox 3600 Supports New NVIDIA K80 Dual-GPU Accelerators
Posted on: November 7, 2014
Magma ExpressBox 3600 Supports New NVIDIA K80 Dual-GPU Accelerators
High performance computing system, ExpressBox 3600, tested and ready for use
with new GPU accelerators
San Diego, Calif. (November 17, 2014) – Magma today announced full support for the new NVIDIA® Tesla® K80 dual-GPU accelerator within the ExpressBox 3600 (EB3600) High Performance Computing expansion system. Each Tesla K80 contains two GPUs per board, with a total of 4,992 cores and 24 Gbytes of ultra-fast GDDR5 memory. The EB3600 holds up to nine Tesla K80 accelerators, for a total of 18 GPUs (44,928 cores) and 216 Gbytes of DRAM.
Magma worked closely with NVIDIA to complete system certifications, which includes thermal and bandwidth tests. The certification of the EB3600 ensures the NVIDIA Tesla K80 dual-GPU accelerators will perform as expected and be protected within the appropriate cooling environment for peak performance. The specialized environment inside the EB3600 chassis supports the newly enhanced NVIDIA GPU Boost™ technology, which dynamically converts power headroom into the optimal performance boost for each individual application. The EB3600 provides high speed non-blocking Gen 3 x16 PCIe switching at between all GPU accelerators (for inter-card GPUDirect operation) and one, two, or four Gen 3 x16 connections to the host server or workstation.
"Supporting the K80 is a wonderful opportunity to showcase the mission critical, performance, power, and cooling capabilities of the EB3600," said Tim Miller, president of Magma. "Magma is pleased to be in lock step with NVIDIA in being able to delivery system solutions that support the Tesla K80 dual-GPU accelerator, on the day that it is announced."
Magma worked with numerous server OEMs to verify compatibility of the EB3600 GPU expansion systems. The EB3600 is designed specifically for a wide variety of high performance computing configurations. Demanding computing applications such as oil and gas exploration, computational finance, defense, aerospace and medical will see up to 2X performance improvement in computational throughput with the Tesla K80 dual-GPU accelerator compared to the Tesla K40 accelerator.
Customers looking to build high performance computing systems should contact their Magma sales representative to receive assistance in architecting an ideal solution with recommendations based upon their application requirements.
"Tesla K80 is the world's fastest accelerator ever built, and Magma's advanced expansion system will enable virtually any server to take advantage of its computational capabilities," said Roy Kim, group manager of Accelerated Computing at NVIDIA. "Working with Magma and our vast ecosystem of supporting partners and technologies, we look forward to bringing the game-changing capabilities of GPU-accelerated computing to new markets and customers."


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From New World Encyclopedia
Marble is a metamorphic rock, composed mainly of crystalline calcium carbonate or calcium magnesium carbonate. Used extensively for sculpture and as an architectural material, it has become an icon for refined taste and culture. In addition, white marble is taken to symbolize purity and immortality. Powdered marble is used as an ingredient in paints, toothpaste, and plastics, or it may be added to cement or synthetic resins to produce "cultured marble."
The word "marble" derives from the Greek marmaros, meaning "shining stone." This stem is also the basis for the English adjective "marmoreal," which refers to something that is like marble, or someone who is aloof like a marble statue. In addtion, the word marble is colloquially used to refer to many other stones that are capable of taking a high polish.
Cultural associations
As the favorite medium for Greek and Roman sculptors and architects, marble has become a cultural symbol of tradition and refined taste. In folklore, marble is associated with the astrological sign of Gemini. Pure white marble is a symbol of purity and immortality. It is also considered an ensurer of success in education.
The extremely varied and colorful patterns of marble make it a favorite decorative material. These patterns are often imitated, such as in "paper marbling," a technique for producing colorful swirls on paper. "Faux marble" (or faux marbling) is a wall-painting technique that imitates the color patterns of real marble. Marble patterns are also evident in backgrounds for computer displays.
Marble is a metamorphic rock, resulting from the metamorphism (transformation) of sedimentary carbonate rocks—either limestone (composed mainly of the [[mineral calcite) or dolomite rock (composed mainly of the mineral dolomite). The metamorphic process, which takes place at high temperatures and pressures, causes a complete recrystallization of the original rock into an interlocking mosaic of calcite or dolomite crystals. Calcite consists of calcium carbonate (CaCO3), and dolomite, of calcium magnesium carbonate (CaMg(CO3)2). The temperatures and pressures necessary to form marble usually destroy any fossils and sedimentary textures present in the original rock.
Pure white marble is the result of metamorphism of very pure limestone. The characteristic swirls and veins of many colored marble varieties are usually due to the presence of minor amounts of other minerals such as clay, silt, sand, iron oxides, or chert, which were originally present as grains or layers in the limestone. These various mineral "impurities" were mobilized and recrystallized by the intense pressure and heat of the metamorphic process.
Kinds of marble
Some historically important kinds of marble, named after the locations of their quarries, include:
- Paros and Penteli from Greece
- Carrara from Italy
- Proconnesus from Turkey
- Macael from Spain
- Makrana from India
- Danby from Vermont, United States
- Yule from Colorado, United States
White marbles, like Carrara, have been prized for sculpture since classical times. This preference has to do with its softness, homogeneity, and a relative resistance to shattering. Also, based on the low index of refraction of calcite, light can penetrate several millimeters into the stone before being scattered out, resulting in the characteristic waxy look that gives "life" to marble sculptures of the human body.
Places named after the stone include Marble Hill in Manhattan, New York; the Sea of Marmara; India's Marble Rocks; the towns of Marble in Minnesota and Colorado; and Marble Arch in London. The Elgin Marbles are marble sculptures from the Parthenon (ancient Greek temple) that are on display in the British Museum.
Sculptural uses
Sculpture is among the oldest of the arts, and sculptures rank among the greatest of human achievements. Marble sculpture is the art of creating three-dimensional forms from marble.
Among the commonly available stones, only marble has a slight surface translucency that is comparable to that of the human skin. This translucency gives a marble sculpture a visual depth beyond its surface, evoking a certain realism when used for figurative works. Marble also has the advantage that when first quarried it is relatively soft and easy to work, refine, and polish. As the finished marble ages, it becomes harder and more durable.
Limestone is cheaper but less translucent than marble. In addition, the fineness of marble's grain enables the sculptor to render minute detail in a manner not always possible with limestone. Also, marble is more weather resistant than limestone.
The finest marbles for sculpture have few or no stains. The skillful sculptor, however, can incorporate some stains into the sculpture.
Marble does not bear handling well, as it will absorb skin oils when touched, producing stains ranging from yellow to brown. While more resistant than limestone, marble is susceptible to attack by weak acids and performs poorly in outdoor environments subject to acid rain. For severe environments, granite is a more lasting material but one that is far more difficult to work and less suitable for refined works. Compared to metals such as bronze, marble lacks ductility and strength, requiring special structural considerations when planning a sculpture.
Industrial and commercial uses
Colorless marbles are a very pure source of calcium carbonate, which is used in a wide range of industries. Finely ground marble powder is a component in paints, toothpaste, and plastics. In addition, marble dust can be combined with cement or synthetic resins to make reconstituted or "cultured marble"—a less expensive alternative to natural marble.
When calcium carbonate is reduced under high heat, it produces calcium oxide, also known as "lime." Lime is a primary component of most cements and has many other applications.
Construction marble
In the construction trade, the term "marble" is used for any massive, crystalline, calcitic rock (and some non-calcitic rocks) useful as building stone. For example, Tennessee Marble is really a massive, fossil-rich dolomite rock of the Ordovician era. Its color ranges from gray to pink to maroon, and it is called the Holston formation by geologists.
See also
External links
- Tips for cleaning marble Retrieved July 22, 2007.
- How to engrave marble with laser Retrieved July 22, 2007.
- Marble Institute of America A trade organization. Retrieved July 22, 2007.
- Learning to carve by Marc Levoy. Retrieved July 22, 2007.
Initial content was copied from the following Wikipedia articles:
- Marble (Aug 20, 2006) history
- Marble_sculpture (Aug 20, 2006) history


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Disney Animated Review
Learn the secrets of animation from the master in Disney Animated for iPad
Just as they have brought countless still images to life on the silver screen, Disney has now sprinkled their magic over this comprehensive guide to animation. Designed exclusively for the iPad, Disney Animated uses hours of video clips, interactive features and practical exercises to take you through every step of producing a cartoon classic. Drawing on the filmmaker's iconic collection, the app's many behind-the-scenes features will also appeal to fans of the House of Mouse.
Framed as a breezy guide to animation, Disney Animated includes overviews of Walt Disney's approach to everything from developing a story to visual effects and adding a film score. The language used is broad rather than technical, so consider this Animation 101 rather than a step-by-step guide to making the next Cinderella or WALL-E.
However, there are also a bunch of practical activities to test your animating skills: make a ball bounce, adjust the face of a horse to convey expressions and create your own animated sequence. The latter is a simplified version of real Disney Studios software and involves both adjusting the joints of a CGI model to make them assume positions and recording it and editing the order of frames to produce a short film.
The guides themselves are illustrated with hand-drawn sketches, work-in-progress computer-generated scenes and rotating artefacts from the locked vaults of The Walt Disney Animation Research Library. Tapping on objects can trigger video cut-scenes or allow you to pinch-zoom in on images and view additional annotations. These details give the app mass appeal beyond wannabe future animators to all film lovers.
Perhaps the biggest fan service in the app is the timeline of all 53 Disney animated movies ranging from Snow White and the Seven Dwarfs back in 1937 right up to 2013's Frozen.
Each entry includes a plot synopsis, 'did-you-know' factoids, video clips for all major characters, cinema trailers and extracts from the musical score. The Timeline also includes key moments both in Disney's business history, ranging from the opening of Disneyland in 1955 to the purchase of Lucasfilm last year, as well as offering wider historical context, such as the Great Depression and the invention of the World Wide Web.
Each film also includes a Color Map, a unique way of viewing entire movies from beginning to end, highlighting the tones and hues that dominate each scene. Hold your finger over the multi-coloured lines to view individual frames from each film. There is also a shortcut on the main menu to view the colour map for every film at once. Again, this is a feature aimed at those interested in learning the secrets behind Disney's magic, and is a great way of spotting style trends. For example, why was the colour palette of Disney's movies darker between 1980 and 2000?
All in all, this app is packed with hours of entertainment with guides divided up into chapters so that you can easily dip in and out of them. While the make-your-own-animation Workshop feature will keep bringing users back time and time again as their skills improve, so will the hunt for interactive Easter eggs.
Produced by Disney in collaboration with Touch Press, who has developed many other popular interactive books (Barefoot World Atlas, The Orchestra and March of the Dinosaurs), Disney Animated raises the bar in terms of interactivity levels. It seems like every object on the screen has an additional function, whether it is a tappable image caption or a video clip. However, perhaps the animated text is a bit too much. While being able to drag every item on screen is fun, having the text move as well every time your finger strokes the touchpad can be very distracting when you're trying to read, annoying even, after the fourth or fifth time it happens.
A word of caution to parents, while the App Store lists this Disney product as suitable for ages four and over because it contains no objectionable material, it may be that it is a little too complicated for children under ten-years-old without supervision. Users should also be aware that all those video clips and interactive features will eat up 1.78GB of your storage – not unusual for an interactive book, but still more than your average download. Despite that, this is a brilliant app that will likely appeal to everyone on some level.
Inside knowledge from the iconic film studio, completed with great interactivity.
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Home > Agent Directory > Iowa
Cheap Car Insurance in New Sharon, Iowa
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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.
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If you are a piccolo teacher wishing to offer your piccolo lessons in Southminster or anywhere else across the UK, please register with First Tutors: Music or find out more about us here. Becoming a Southminster piccolo tutor is a brilliant way to improve your own knowledge through giving piccolo tuition while assisting others, all in your local Southminster area!


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I will never turn away when I can help and am fiercely loyal. I never walk when I can run. I favor variety. Life is too short to miss anything!!
Movies: Braveheart, Steel Magnolias, Dances with wolves, Forrest Gump, The Lord of the Rings Trilogy, Harry Potter Movies, Star Wars, Sixteen Candles, Breakfast Club (John Hughes stuff), After Hours, Brazil, anything Monty Python, The Hangover, The Princess Bride, Young Frankenstein, Silver Streak, Spinal Tap, Something about Mary, Planes, Trains and Automobiles, Beverly Hills Cop, Blues Brothers, David Lynch stuff, Repo Man, Kevin Smith stuff, Harold and Maude, Koyaanisquatsi, Delicatessen, Amelie, Mic Macs, anything Fellini, Crouching Tiger Hidden Dragon, Pan's Labyrinth, Butiful, Volver, Ran, spirited Away, Triplets of Belleville, Jean de Florette, Manon of the Spring, Life is Beautiful, Slumdog Millionaire, Monsoon Wedding, Bollywood movies, Neverending Story, Crystal Cave, The Lobster, Captain Fantastic and many, many more.
TV Shows: Went three years without watching much TV but have liked things like Mash, early Saturday Night Live, Carol Burnett, Cosby Show, Bugs Bunny, Abbott and Costello, Golden Girls, Fawlty Towers, Monty Python, Sopranos, Sex and the City, Breaking Bad, Justified, Walking Dead, Louie, Modern Family, Dexter, Outlander, Younger, Game of Thrones, Better Call Saul, The Daily Show, The Colbert Report, comedy of Bobcat Goldthwaite, Eddie Murphy, Richard Pryor, Bill Cosby, Robin Williams, Johnathon Winters, Judy Tenuta, Steve Martin, nature stuff and documentaries
Music: Love almost all types of music with the exception of hip hop and only like some rap, especially fond of rock, alternative rock, folk, blues, blue grass, classical guitar- i like kid rock,
Clapton, Bonamassa, Tedeschi and Trucks, Amy Winehouse, Adele, Jack White, Audra Mae, The Black Keys, Civil Wars, Patti Griffin, Shaun Colvin, three Girls and their Buddy, Brandi Carlisle, Jimmy Page, Whitesnake, Nickelback, Cage the Elephant, Paper Tongues, Gorillaz, Ryan Adams, White Stripes, Roach, Linkin Park, Godsmack, Rob Zombie, Pink Martini, KT Tunstall, Gomez, Santana, Prince, Genesis, Yes, Seether, Wheezer, Bob Marley, Marilyn Manson, Johnny Lang, Los Lonely Boys, System of a Down, Death Cab for Cutie, Vampire Weekend, Bastille, Smith, Katy Perry , U2, Audioslve,Chris Cornell, The Police, Sting, Lou Gramm, Foreigner, Kansas, Feist, JJ Cale, Robbie Robertson, Theory of a Deadman, Iron and Wine, Milo Green, Matt Nathanson, Bedouin Soundclash, Paul Simon, Peter Gabriel, Mark Knopfler, Dire Straits, Beck, The Horse Flies, Bob Seger, John Mayer, Jason mraz, Modest mouse, Rusted Root, John Butler Trio, Buckcherry, Pavarotti, Ottmar Liebert, Paco de Lucia, Allison Krauss, Jerry Douglas, sade, Teddy Thompson, Robert Plant, Bruce Hornsby, Melissa Etheridge, John Waite, Babys, Zebra, Thunder, Giant, Buena Vista Social Club, Everclear, etc, etc
There is very little food I do not like and I have been known to plan vacations around certain places to eat… LOL Love to try new restaurants and going places like Chicago is awesome- so many choices, so little time (chuckle). New and different are awesome- always gotta be willing to try something at least once
2. Good food
3. Books
4. Music and Movies
5. The Sun
6. Traveling/exploring
(I know, I cheated and that's 7 things....)


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Giant/Martin's Customers Give to 'Bag Hunger' Campaign
$550K donated to local food banks
During Hunger Action Month in September, Giant Food Stores and Martin's Food Markets donated $550,998 at checkout through the Ahold USA banners' in-store Bag Hunger campaign, which supports area food banks. Running from Aug. 31 through Sept. 13, the campaign was the second in-store hunger relief effort conducted by Giant/Martin's this year.
"Hunger has become a reality for far too many, and our regional food banks continue to report unprecedented demand and increasing pressure to secure funding and donations year-round," noted Giant/Martin's President Tom Lenkevich.
Among the major recipients of the donation were Blue Ridge Area Food Bank, in Virginia ($16,900); Central Pennsylvania Food Bank ($43,382); FeedMore-Central Virginia Food Bank ($15,489); Greater Berks County Food Bank ($10,266); Maryland Food Bank, Western Branch ($10,566); Philabundance ($52,866); Second Harvest Food Bank of Lehigh Valley ($17,609); and Water Street Rescue Mission, in Lancaster, Pa. ($13,127).
Throughout September, Giant/Martin's teamed with CPG giant Unilever to help food-insecure folks by collaborating with the Olivet Boys and Girls Clubs and the Greater Berks Food Bank on a Healthy Kids Summit in Reading, Pa. At the event, Giant Food Stores Nutritionist Sarah Glunz took part in a panel whose child members were asked questions about healthy eating. Later, a group exercise session took place and a wholesome dinner prepared by a Knorr chef was served. Giant and Unilever also held a Stuff-a-Truck event at the grocery chain's Havertown, Pa., store.
"Our partnership with Giant/Martin's has had a meaningful impact on the local community, and we continue to collaborate with Giant/Martin's and Feeding America in support of hunger relief initiatives," said Rob Gelbach, team lead at Englewood Cliffs, N.J.-based Unilever. "Food insecurity is growing among American families, so it is important to Unilever that we support the people struggling with hunger in our own communities. By partnering with organizations like Feeding America and its member food banks, we are able to improve the health and well-being of local families."
Commitment to Hunger Relief
Further, three Martin's stores participated in a Stuff-a-Truck event to aid the Blue Ridge Area Food Bank, collecting 14,900 pounds of food and $1,655 for local anti-hunger efforts. The grocer also supported the Junior Advisory Council at the Central Pennsylvania Food Bank, where students serving on the council received a $500 scholarship.
In 2013, hunger relief efforts and donations to regional food banks accounted for about 40 percent of Giant/Martin's community giving, with around 100 regional food banks and local pantries receiving $10 million in product and customer, vendor and corporate donations.
For its prodigious achievements in the area of corporate responsibility, Ahold USA was chosen as Progressive Grocer's Retailer of the Year.
Based in Carlisle, Pa., Giant/Martin's operates almost 200 grocery stores in Pennsylvania, Maryland, Virginia and West Virginia.


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Transfiguration of Our Lord and Saviour Jesus Christ
A wonderfully accessible and profoundly mystical exploration of the Transfiguration: the manifestation of God's glory in Christ
In the sumptuously illustrated book Transfiguration of Our Lord and Saviour Jesus Christ, Archbishop Joseph Raya explores the meaning of this great Biblical event as a sign of God's glory, a manifestation of the Holy Trinity, and a revelation of Christ as a Divine Person. He also explores Old Testament manifestations of God to Moses, Solomon, and Elijah; Gospel notions of divinity including light, whiteness, and glory; and the transformative effect of the Transfiguration on the Apostles, particularly Peter and John. Above all, he helps you see the Transfiguration as a glorious celebration — of God in Christ and of the renewal of your own heart by His grace.
Most importantly, Archbishop Joseph shows how the Transfiguration provides a mystical pattern for your Christian life, foreshadowing the divinization that awaits every Christian: as a great early saint put it, "God became man so that man might become God." He details the spirituality of the Transfiguration in four steps: purification, prayer, contemplation, and illumination, culminating in a breathtaking summation of the mystical meaning of the Transfiguration.
Making frequent reference to Scripture and to the writings of the great saints and Fathers of the Church, Transfiguration is grand appreciation of the event that Archbishop Joseph sums up as a call to each of us "to love and forgive as God Himself loves and forgives. It is to be perfect as our Father in heaven is perfect."
About the author Archbishop Joseph Raya120 pages — Trade Paperback, 6″ x 9″ — Madonna House Publications — ISBN 978-0-921440-29-1
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Dragonair is the evolved form of Dratini and is a dragon-type Pokemon. Dragonair evolves into Dragonite, its third and final form, at level 55. Dragonair has one of the latest evolution levels of all Pokemon and as such can be extremely frustrating to train. Thankfully there are ways to get Dragonair to evolve that do not involve spending hours fighting hundreds of battles.
Pokemon Day Care
The Pokemon Day Care made its debut in "Pokemon: Red Version" and "Pokemon: Blue Version," and it is the most effortless way to level your Dragonair. Simply drop Dragonair off at the Day Care (locations vary by game) and leave. For every one step you take, Dragonair will gain one experience point. This may not sound like a lot, but over time it can add up. One drawback to the Day Care is that you must pay for its services.
Rare Candies
A rare candy gives your Pokemon the amount of experience points needed for its next level up. For example, if Dragonair needs 300 experience points to level up to level 41, then a rare candy used would be worth only 300 experience points. A drawback of rare candies is that they tend to be hard to find.
Many players only trade Pokemon to get them to evolve, but once traded, a Pokemon actually levels faster than a Pokemon that hasn't been traded. Pokemon trading can be done in all Pokemon games and requires a link cable for the Game Boy Color and Game Boy Advance, and a Wi-Fi connection for the Nintendo DS. Once traded, a Pokemon gains experience points with a 1.5 multiplier. This nearly cuts in half the amount of training you need to do, and it is good for leveling Pokemon with high levels of evolution like Dragonair.
Fighting the Elite 4
The Elite 4 appear in every Pokemon game and are the game's strongest trainers. Despite the name, the Elite 4 is made up of more than four members. It usually consists of four "main trainers" and one or two "champions." Fighting a trained Pokemon gives more experience points than fighting a wild one, and the members of the Elite 4 have the highest levels of trained Pokemon in every game.
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Nora Ephron's Bacon Hash
Recipe by linguinelisa
This recipe is from writer/director (Julie and Julia, Sleepless in Seattle) , who put this recipe for bacon hash in her book Heartburn. It's a simple and comforting dish, good any time of the day.
Top Review by twissis
Made for the Cooking Tag Mania Special because Icelanders view potatoes w/every meal as a near religious imperative. This was easy-to-fix & flavorful. I added diced red onion & let it caramelize while the potatoes browned. A sprinkle of shredded cheese is also often used & then a mound of the hash is topped w/fried eggs. My DH & BIL were well-fed & happy campers. Thx for sharing this recipe w/us.
See Discussion:7 Reviews
Directions See How It's Made
- Cut bacon into small pieces, then cook over low flame in skillet.
- Meanwhile, dice up the cooked potato and, after some fat is rendered from the bacon, add to the skillet. Cook until the potatos are crusty brown. season with salt and pepper.
- Eat with an egg, if you like.