text:
Sequence signatures involved in targeting the male-specific lethal complex to X-chromosomal genes in
We have extensively examined X chromosome sequence variation within five types of gene features (promoters, 5' UTRs, coding sequences, introns, 3' UTRs) and intergenic sequences, and assessed its potential involvement in dosage compensation. Presented results show that: the X chromosome has a distinct sequence composition within its gene features; some of the detected variation correlates with genes targeted by the MSL-complex; the insulator protein BEAF-32 preferentially binds upstream of MSL-bound genes; BEAF-32 and MOF co-localizes in promoters; and that bound genes have a distinct sequence composition that shows a 3' bias within coding sequence.
Although, many strongly bound genes are close to a high affinity site neither our promoter motif nor our coding sequence signatures show any correlation to HAS. Based on the results presented here, we believe that there are sequences in the promoters and coding sequences of targeted genes that have the potential to direct the secondary spreading of the MSL-complex to nearby genes.
The amount of transcripts from the single X chromosome of male
The binding pattern of MSL proteins on the X chromosome has been identified in diverse cell lines, embryos and third instar larvae using various genome-wide techniques such as chromatin immunoprecipitation coupled with microarray technology (ChIP-on-chip) or deep sequencing (ChIP-seq)
Two main models have been proposed to explain the distribution of MSL complexes along the X chromosome. One suggests that the complex initially targets a relatively small number of X chromosome-specific primary recruitment or chromosomal "entry" sites (CES) then "spreads" along the chromosome from these sites in cis
Here we present an extensive analysis of X chromosome sequence variation, and its potential involvement in dosage compensation, in which we used multivariate modeling and previously published data to explore relationships between MSL complex distributions, transcription patterns and five gene features -- promoters, 5' UTRs, coding sequences (CDS), introns, 3' UTRs -- and intergenic sequences (hereafter also classed as gene features, for convenience). Our results show that: the X chromosome has a distinct sequence composition within all six types of features examined; some of this variation correlates with genes targeted by the MSL-complex; the insulator protein BEAF-32 binds preferentially upstream of MSL-bound genes; BEAF-32 and MOF co-localizes in promoters; and bound genes have a distinct sequence composition that shows a 3' bias within coding sequence.
In a previous analysis of sequence variation between the
To examine the sequence variation of the X chromosome systematically we divided the
Figure 1
PCA of
PCA of
Additional file 1
Gene feature AT-contents. AT contents of indicated gene features in Dm chromosomes. Table cells colored according to chromosome AT content (low - red to high - green).
Click here for file
To study sequence variation that is not directly correlated to AT-content we applied the following simple normalization. The frequency of each sequence word was divided by its expected frequency in each observation, see
In the fifth Principal Component of the gene feature PCA, all X-chromosomal gene feature sequences are shifted away from the autosomal sequences (Figure
Additional file 2
Sequence words from PCA models. Sorted lists of sequence words with corresponding loadings from all PCA multivariate models.
Click here for file
Additional file 3
Summary of fits for all multivariate models. Summary of fits for all multivariate models.
Click here for file
Additional file 4
PCA of individual gene features. Results of PCA of frequencies of sequence words within individual gene features in
Click here for file
Gene features of expressed genes strongly bound by MSL have distinct sequence signatures
We next explored whether any of the sequence signatures in the gene features correlated to binding of the Male-Specific Lethal (MSL) complex. For this purpose we used the data from
Additional file 5
Correlation of gene-binding values from different data sets. Spearman correlations of gene-binding values for MOF, MSL-1 and MSL-3 proteins from different data sets. All correlations are significant (
Click here for file
After AT-normalization (see Additional file
Additional file 6
Gene feature AT-contents grouped by MSL binding and expression status. AT contents of indicated gene features in expressed genes strongly and weakly bound by the MSL complex, and all expressed and unexpressed genes. Table cells colored according to the gene features' AT contents (low - red to high - green).
Click here for file
Figure 2
PCA of gene features grouped by MSL binding and expression status
PCA of gene features grouped by MSL binding and expression status. Results of PCA of gene feature sequences of genes that are expressed/unexpressed and strongly/weakly bound by MSL. Chromosomes colour-coded, and gene features indicated by symbols as follows: green = X, magenta = 3R, brown = 2R, blue = 3L, yellow = 2L; O = all genes, Δ = expressed genes (EXP), ∇ = unexpressed genes (UN-EXP), + = MSL strongly bound genes (MSL-SB), × = MSL weakly bound genes (MSL-WB), Δ = expressed MSL strongly bound genes (EXP-MSL-SB), ∇ = expressed MSL weakly bound genes (EXP-MSL-WB). (A), (B), (C), (D), (E) and (F) show 1st vs 2nd component score plots (R2cum = 0.657, 0.517, 0.732, 0.872, 0.577 and 0.761, respectively) of the AT-normalized 2-6 mer promoter, 5' UTR, coding sequence, intron, 3' UTR and intergenic sequence analyses, respectively.
Promoters and coding sequences are potentially involved in MSL-complex spreading along X chromosomes
We next wanted to see whether it was possible to identify sequences or motifs that could be used to predict the MSL-binding status of individual genes. For this, we applied the supervised multivariate method Orthogonal Partial Least Squares Discriminant Analysis (OPLS-DA)
Additional file 7
Sequence words from OPLS-DA models. Sorted lists of sequence words with corresponding loadings from all OPLS-DA multivariate models.
Click here for file
Additional file 8
Correlation between OPLS-DA models and AT-content as well as expression. Results from OPLS-DA models of frequencies of sequence words in features of expressed MSL strongly bound (green, O) vs MSL weakly bound genes (magenta, O) of chromosome X. (A), (B), (C) and (D): scatter plots of first component scores versus AT contents of promoters, coding sequences, introns and 3' UTRs, respectively. (E), (F), G) and (H): scatter plots of promoter, coding sequence, intron and 3' UTR first component scores versus gene expression levels, respectively.
Click here for file
Insulator protein BEAF-32 is enriched in promoters of genes strongly bound by MSL
Encouraged by the promoter sequence modeling results, we wanted to know whether the presence of MSL is associated with any specific DNA motifs. We therefore developed an iterative algorithm that aligns the predictive sequence words from a model into motifs. The most predictive sequence words are given stronger weighting during the motif construction, and the algorithm assures that the predictive power of the evolving motif is maintained or increased (see Methods). Using this algorithm we extracted the motif shown in Figure
Figure 3
Results from promoters of MSL-bound genes
Results from promoters of MSL-bound genes. Results based on OPLS-DA of promoter sequences of genes expressed and strongly or weakly bound by MSL complex on chromosome X. (A) Promoter motif built from top sequences words. (B) Fraction of genes strongly and weakly bound by MSL as well as expressed genes on chromosome 2L with the promoter motif and BEAF-32 binding within 500 bp of the TSS. (C) Fraction of all expressed genes on the X-chromosome with the promoter motif (red) or BEAF-32 binding (green) within 500 bp of TSS grouped by average MSL enrichment (average of MSL-1, MSL-3 and MOF gene binding values). Note that a weakly bound gene in the initial model was a gene that had gene binding values for all the three proteins lower than 0.5. 90% of these genes fall into the classes with average MSL enrichment less than 0.4. The average MSL enrichment for the weakly bound class is 0.24
Our OPLS-DA model was based on two-thirds of the 167 strongest bound genes on the X-chromosome and previous studies have indicated that 534-773 genes are bound by the complex
Additional file 9
Heatmap summarizing our promoter and CDS results on chromosome X. A heatmap of expressed genes on chromosome X sorted with respect to average MSL enrichment. In the heatmap, presence of BEAF-32 within 500 bp of transcription start site (TSS) (column 2), promoter motif presence within 500 bp of TSS (column 3), OPLS-DA Y Prediction scores of three equally sized parts of CDS (columns 4-6) and high affinity site distance to genes (column 7) are shown.
Click here for file
Additional file 10
Insulator protein-TSS distances. Average distances from transcription start sites (TSS) of expressed MSL-bound (magenta) and - unbound (green) genes to BEAF-32, CP190, CTCF and SU(HW) binding sites.
Click here for file
It is known that MOF, but not the other components of the MSL-complex, targets the promoters of MSL-complex bound genes
Figure 4
Comparison of MOF and BEAF-32 binding sites
Comparison of MOF and BEAF-32 binding sites. (A) MOF (red) and BEAF-32 (blue) log2 enrichment profiles in a typical region of chr2L. Scale bar show the genomic positions in Kb. Genes expressed from left to right are shown above the horizontal line and the genes expressed in the opposite direction are shown below the line. (B) The average MOF enrichment values in 100 bp bins surrounding promoter peaks of BEAF-32 in autosomes. Promoters where aligned so that the TSS will always be to the right of the BEAF-32 peak in the figure.
The High Affinity Sites (HAS) that are thought to be responsible for the initial recruitment of the MSL-complex to the X-chromosome, was defined by being the strongest MSL-sites along the X chromosome
Sequence signatures in coding sequence of genes strongly bound by MSL have a 3' bias
Using our modeling approach we found sequence variations in coding sequence that are strongly predictive of MSL-bound, expressed genes. However, our sequence word aligner failed to extract any complex motifs from the coding sequence model (for either strongly bound or weakly bound genes). We concluded that, as expected, there are no long, complex MSL-targeting motifs in coding sequences, but when we calculated the frequencies of sequence words in the analyses described above we merged the scores for the forward and reverse complements of each word. Thus, we scored both strands of each sequence region. Therefore, for completion we examined the possibility that predictive sequence words for genes strongly bound by MSL may be preferentially located on only one strand and/or preferentially in-frame. Models based on sequence word frequencies in the transcribed strand only, or only in-frame, did not perform as well as the original model for predicting the excluded third of the dataset (Additional file
Figure 5
Results from CDS of MSL-bound genes
Results from CDS of MSL-bound genes. Results based on OPLS-DA of CDS of genes that are expressed and strongly or weakly bound by MSL complex on chromosome X. (A) OPLS-DA Y Prediction scores of three equally sized parts of CDS from all expressed genes on chromosome X compared to average MSL enrichment (average of MSL-1, MSL-3 and MOF binding values). OPLS-DA model based on CDS of MSL complex strongly and weakly bound genes. Note that the weakly bound genes in the model have an average binding value for the three proteins of 0.24 and 90% fall into the first two binding classes (< 0.2 and 0.2-0.4). Weakly bound genes were selected as genes that had gene binding values for all the three proteins lower than 0.5. (B) OPLS-DA Y Prediction scores of three equally sized parts of CDS from all expressed genes compared to average MSL enrichment. OPLS-DA model based on CDS of MSL complex strongly and weakly bound genes 5 Kb away from any HAS.
Since the number of genes in the initial model is relatively low (around 200-300 observations) we wanted to test how likely it is that a model based on similar numbers of randomly selected genes produces a significant OPLS-DA model. We randomly selected seven non-overlapping groups consisting of coding sequence from 100 expressed genes from chromosome 2L. Using OPLS-DA we modelled all pair wise combinations of these seven groups (21 combinations). All pair wise combinations produced models with negative Q2 values (predictive power). Six models had a strong correlation to AT-content (Spearman R > 0.4). Normalizing for AT-content did not improve the models. Next, we repeated this process with coding sequence from seven randomly selected groups of intermediately bound genes (100 genes/group) on the X-chromosome. Intermediately bound genes where defined as expressed genes on the X chromosome not belonging to the previously defined strongly and weakly MSL-bound genes. 20 pair wise combinations produced models with a negative Q2 and one combination produced a very weak model with a Q2 of 0.03 (to be compared to a Q2 of 0.27 in the strongly versus weakly MSL-bound model). Three models had a strong AT-correlation, but normalizing for nucleotide content did not improve the models. We conclude that randomly selected groups of sequences are unlikely to produce a significant model with predictive power.
We have thoroughly investigated X chromosome sequence variation in
Sequence variation between gene features
Different gene features are known to vary in sequence composition, but in our opinion their variation is not normally taken into account in attempts to discover new sequence motifs. We here show the extent of this sequence variation, and that coding sequences have the most distinct sequence composition followed by 5' UTRs, 3' UTRs and promoters. This has important implications for studies of sequence variation and motif discovery; when groups of sequences are compared it is important to take gene features into account (
The X chromosome has a distinct sequence composition
Our separate analyses of the six gene features clearly show that the sequence composition of those in the X chromosome differs from the composition of corresponding features in all other chromosomes (Additional file
Genes strongly bound by MSL have a distinct sequence composition
The genome distribution of the MSL-complex has been mapped in several studies
Promoters and coding sequences are potentially involved in MSL-complex spreading along X chromosomes
Using OPLS-DA we explored differences between features of individual genes that are strongly MSL-bound and expressed versus weakly MSL-bound and expressed, extracted sequence words with the highest predictive power, and attempted to combine them into more complex motifs using the algorithm described herein. Interestingly, both coding sequence and promoter models yielded sequence words that could be used to predict the MSL-binding status of genes excluded from the modeling. Neither nucleotide content nor expression level significantly influence these promoter and coding sequence models and the top sequence words we identified are only weakly overrepresented on the X-chromosome. We conclude that promoters and coding sequences contain sequence signatures that are potentially involved in the spreading of the MSL-complex from high affinity sites. In principle, there may be motifs in unbound, expressed genes that block the binding of the MSL-complex, but we obtained no evidence for such motifs.
Insulator protein BEAF-32 preferentially binds to promoters of MSL-bound genes
From the promoter model we extracted the motif in Figure
Sequence signatures in coding sequences of MSL-bound genes have a 3' bias
The finding of sequence patterns that are predictive of MSL-binding genes within coding sequences is intriguing, although it has been previously reported
The MSL-complex binds to genes with a preference for exons
The MSL-complex evidently targets a limited number of High Affinity Sites along the X-chromosome. Although, many strongly bound genes are close to a HAS neither our promoter motif nor our coding sequence signatures show any correlation to HAS. Based on the results presented here, we believe that there are sequences in the promoters and coding sequences of targeted genes that have the potential to direct the secondary spreading of the complex to nearby genes. However, a number of genes are dosage-compensated by MSL-independent mechanisms
Genome annotations and sequences
We obtained
Oligonucleotide scoring
For each gene feature we constructed two-dimensional data matrices with full-length chromosomes or gene-specific regions as objects (rows) and frequencies of all possible di-(16), tri-(64), tetra-(256), penta-(1024) and hexa-mers (4096) in the gene feature sequences as variables (columns). To calculate frequencies of oligonucleotides (sequence words) we counted every word in each target sequence sliding one nucleotide at a time and divided the count by the length of the target sequence. Both forward and reverse complements of each sequence word were scored and treated as one.
Determining expression and MSL-binding of genes
To explore the relationship between sequence variation in X chromosome gene features and targeting of the MSL complex to X chromosomes we used the SL-2 cell ChIP-chip and gene expression array data presented by
Additional file 11
Plot of gene-binding values of MOF, MSL-1 and MSL-3 proteins. Enrichment of MOF, MSL-1 and MSL-3 within autosomal and X-linked genes in SL-2 cells (to the left and right, respectively) is shown by blue, red and green lines, respectively.
Click here for file
Additional file 12
Gene-binding values of MOF, MSL-1 and MSL-3 proteins. Gene-binding values for all genes in the genome.
Click here for file
Gene expression levels in EGFP control SL-2 cells relative to
Additional file 13
Expression of X-linked genes in control and in RNAi knockdown of
Click here for file
Determining insulator proteins binding sites
Insulator proteins (BEAF-32, CP190, CTCF and Su(Hw)) S2 cell-line ChIP-chip data from modENCODE (BEAF-HB.S2, BEAF-70.S2, CP190-VC.S2, CP190-HB.S2, CTCF-VC.S2, CTCF.S2 and SU(HW)-HB.S2, Su(Hw)-VC.S2) were preprocessed as described above. To identify bound regions, and their peak positions, binding ratios exceeding the genomic average by at least three standard deviations were extracted. Bound regions were then defined by stretches of array probes (passing the three standard deviation cut-off) at least 360 bp in length and a region was extended as long as there was a value within 360 bp of the previous value. Regions with fewer than five probes were excluded. The value for each detected region was set to the average of the highest six consecutive probe values (ratios). The center of each peak was set to the mid-position of the six highest consecutive probe values. Only binding regions detected in both datasets (obtained using two different antibodies for each insulator protein) were used. For each protein, distances to transcription start sites were calculated as the distances from each TSS to the nearest peak center of each protein.
Statistical analysis
All multivariate analysis and visualization described below was performed using Evince (Umbio, Sweden), except OPLS analysis, for which we used SIMCA (Umetrics, Sweden). AT normalization was applied by dividing each word frequency by the expected frequency based on the nucleotide composition of the word and the target sequence assuming random distribution of nucleotides
All univariate statistical analysis and visualization were performed using Statistica software (Statsoft, USA).
Sequence word alignment and motif scoring
We developed an iterative algorithm to identify complex motifs with significant predictive values for MSL complex binding, based on the top sequence words obtained from OPLS-DA models designed to detect sequence differences between genes strongly bound and weakly bound by the complex. A flowchart for the algorithm is presented in Additional file
Additional file 14
Sequence word aligner algorithm. A flowchart for the iterative algorithm to identify complex motifs with significant predictive values for protein binding, based on the top sequence words obtained from OPLS-DA models designed to detect sequence differences between genes bound and not bound by the protein.
Click here for file
We defined a cut-off score for the promoter motif using the highest scores of the motif in each of the promoters of expressed genes strongly and weakly bound by MSL, such that the motif would be present in only 5% of the expressed, weakly bound genes. This cutoff was used to find promoter motif sites across the X chromosome.
All custom software and scripts are available upon request.
Competing interests
The authors declare that they have no competing interests.
Authors' contributions
All authors participated in the design of the study. PP and FP carried out the implementation and the analysis. PP and PS wrote the manuscript. All authors read and approved the final manuscript.
We thank Jan Larsson and Yuri Schwartz for critical reading of the manuscript. We also thank members of the Computational Life Science Cluster (CLiC) for sharing their expertise in statistics and multivariate modeling. This work was supported by grants from the Carl Tryggers, Erik Philip-Sörensens and Åke Wiberg Foundations (PS).
Dosage compensation, the origin and the afterlife of sex chromosomes
The W, X, Y and Z of sex-chromosome dosage compensation
Buffering and the evolution of chromosome-wide gene regulation
Progress and prospects toward our understanding of the evolution of dosage compensation
Global analysis of X-chromosome dosage compensation
Dosage compensation of the active X chromosome in mammals
On the mode of gene-dosage compensation in
Male-specific lethal mutations of
Maleless, a recessive autosomal mutant of
Complex formation by the
Ordered assembly of
Nuclear pore components are involved in the transcriptional regulation of dosage compensation in
MSL1 plays a central role in assembly of the MSL complex, essential for dosage compensation in
High-resolution ChIP-chip analysis reveals that the
A sequence motif within chromatin entry sites directs MSL establishment on the
Chromosome-wide gene-specific targeting of the
Genome-wide analysis reveals MOF as a key regulator of dosage compensation and gene expression in
X-chromosome-wide profiling of MSL-1 distribution and dosage compensation in
The chromosomal high-affinity binding sites for the
Coordinated regulation of heterochromatic genes in
Global regulation of X chromosomal genes by the MSL complex in
Expression in aneuploid
X chromosome dosage compensation via enhanced transcriptional elongation in
Epigenetic spreading of the
Local spreading of MSL complexes from
Targeting determinants of dosage compensation in
X chromosome sites autonomously recruit the dosage compensation complex in
(dC-dA)n.(dG-dT)n sequences have evolutionarily conserved chromosomal locations in
Nonrandom distribution of long mono- and dinucleotide repeats in
Global patterns of sequence evolution in
Sequence signature analysis of chromosome identity in three
Cumulative contributions of weak DNA determinants to targeting the
A sequence motif enriched in regions bound by the
MSL complex is attracted to genes marked by H3K36 trimethylation using a sequence-independent mechanism
Othogonal projections to latent structures (O-PLS)
OPLS discriminant analysis: combining the strengths of PLS-DA and SIMCA classification
Quantifying similarity between motifs
Identification of functional elements and regulatory circuits by
Genome-wide mapping of boundary element-associated factor (BEAF) binding sites in
X-linked genes evolve higher codon bias in
The scs' boundary element: characterization of boundary element-associated factors
Three subclasses of a
A comprehensive map of insulator elements for the
Characterization of BEAF mutations isolated by homologous recombination in
Abnormal Dosage Compensation of Reporter Genes Driven by the
Chromatin organization marks exon-intron structure
Buffering of segmental and chromosomal aneuploidies in
FlyBase: enhancing
The Integrated Genome Browser: free software for distribution and exploration of genome-scale datasets
Exploration, normalization, and summaries of high density oligonucleotide array probe level data
affy-analysis of Affymetrix GeneChip data at the probe level


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subset: commoncrawl


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December 9, 2009 by USA Post
Norway, WASHINGTON — President Barack Obama keeps his focus on economic issues Wednesday before an evening departure for Europe.
The president meets with a bipartisan group of congressional leaders in the morning. They'll discuss Obama's proposal for a jolt of federal spending aimed at reducing the nation's double-digit unemployment rate.
In the afternoon, the president will make an announcement regarding his economic stimulus program and community health centers.
Later, climate change enters the discussion as the president meets with business and environmental leaders ahead of his attendance at the U.N. climate conference under way in Copenhagen.
The president and his wife, Michelle, leave Wednesday night for Oslo, Norway, where he'll accept the 2009 Nobel Peace Prize on Thursday.
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There are no hard and fast rules regarding bandage after mole removal on the face. The easiest thing to do is to call the office where it was performed and confirm their preferred aftercare. The most important thing to do is to clean it 1-2 times daily and to keep it moist with an ointment like vaseline, aquaphor, or polysporin (often doctors have their own preference).
How long do I leave a band-aid on after Mole Removal on my face??
Doctor Answers 3
Bandage after mole removal on the face
Aftercare for Mole Removal
It would depend. I would ask your Dr. Silicone based scar gels with growth factors would be beneficial to use at this time. Also protect your face from the sun and use skin protection. Best, Dr. Emer
Learn more: https://www.youtube.com/channel/UCa6C2fuS-AgOnvBjr6_VSQg
How long to leave a bandage on after mole removal
Depending on where a mole is and how it is removed, I sometimes recommend a bandage, and other times I don't. Keeping the wound slightly moist is the most important thing to do, as well as not picking the scab, and making sure it doesn't get infected (e.g. don't touch with dirty hands). Generally on the face I do not have my patients wear a bandage. When I do, it is for 1 week.
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These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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calendar watch
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By Wendy Ruopp [2], August 6, 2012 - 12:18pm
When I stay up past my bedtime (ahem, fall asleep on the couch) it reminds me of being a kid and thinking, "When I grow up, I'll stay up as late as I want—and I'll eat ice cream for dinner!" Turns out being a grownup isn't all it's cracked up to be. But at least in summertime there are opportunities for the rules and restrictions that often bind us to loosen, and the EatingWell Test Kitchen is ready with easy, no-cook sandwiches and salads (if not ice cream) for some more-free-time suppers.
Don't Miss: Our Top 50 Recipes for Summer [8]
One recipe I like to make for a cool supper on a hot night is our updated Waldorf salad—something I grew up on—now with chicken and more fruit (and less mayo) than Mom used to add. You'll also find links for 4 more easy summer suppers: a wonderfully Continental composed salad that I wouldn't have eaten in my youth but now seems the epitome of adult taste with its beets and hard-boiled eggs and smoked tofu; a lemon-lashed crab roll that takes you right to vacation by the ocean; for northern-lake cottagers there's smoked trout for dinner on the dock; and there's a turkey wrap that everyone in the family will enjoy.
[9]Composed Salad with Pickled Beets & Smoked Tofu [9]
This composed salad is an artful arrangement of greens, hard-boiled egg, smoked tofu, beets and snap peas drizzled with a cool, creamy dill dressing. It's as pleasing to the eye as it is to the palate. We like smoked tofu, but any flavored baked tofu would work well in this recipe. Serve with iced tea.
[10]Crab Roll [10]
This healthier take on a lobster roll uses crab because it's usually easier (and less expensive) to buy. But by all means use lobster if you prefer. Serve with coleslaw and an ice-cold beer.
[11]Smoked Trout Spread [11]
Creamy smoked trout spread on thin whole-grain crackers is a delicious appetizer, but serve it with an array of artfully arranged nibbles—ripe tomatoes, crunchy cucumber slices and red onion—and you have an easy summer dinner. Pack it up and take it outdoors for a weeknight picnic. Serve with a baby arugula salad tossed with olive oil, lemon juice, Parmesan cheese and a generous grinding of pepper.
[12]Turkey, Corn & Sun-Dried Tomato Wraps [12]
Fresh corn kernels, tomatoes and lettuce fill these hearty turkey wraps. This wrap is great for picnics or when you need to have dinner on the run. Add some crumbled feta or shredded Cheddar for another layer of flavor. Serve with carrot sticks, sliced bell pepper or other crunchy vegetables plus your favorite creamy dressing.
[13]Chicken Waldorf Salad [13]
Leftover cooked chicken makes this chicken Waldorf salad, loaded with apples, grapes, celery and walnuts, a snap to assemble. If you use rotisserie chicken, keep in mind that it's salty and omit the salt in the dressing. Serve over watercress, with a chunk of whole-grain baguette.
What do you like to have for dinner on nights it's too hot to cook? Tell us what you think below.
TAGS: Wendy Ruopp [2], Food Blog [14], Dinner [15], Family meals [16], Quick meals [17]
Wendy Ruopp has been the managing editor of EatingWell for most of her adult life. Although she edits all the recipes for the magazine, her husband does the cooking at home.
[1] http://www.eatingwell.com/eatingwell_rss_feeds
[2] http://www.eatingwell.com/blogs/wendy-ruopp
[3] http://www.facebook.com/sharer.php
[4] http://www.eatingwell.com/blogs/food_blog/chicken_waldorf_salad_4_more_no_cook_dinner_recipes
[5] http://www.eatingwell.com/blogs/food_blog/chicken_waldorf_salad_4_more_no_cook_dinner_recipes?section=comments#tabs
[6] http://bed56888308e93972c04-0dfc23b7b97881dee012a129d9518bae.r34.cf1.rackcdn.com/sites/default/files/MP7684_2.jpg
[7] http://www.eatingwell.com/video/6894/whole-wheat-bread-vs-wraps-which-is-healthier/
[8] http://www.eatingwell.com/recipes_menus/recipe_slideshows/our_top_50_recipes_for_summer
[9] http://www.eatingwell.com/recipes/composed_salad.html
[10] http://www.eatingwell.com/recipes/crab_roll.html
[11] http://www.eatingwell.com/recipes/trout_spread.html
[12] http://www.eatingwell.com/recipes/turkey_corn_wrap.html
[13] http://www.eatingwell.com/recipes/chicken_waldorf_salad.html
[14] http://www.eatingwell.com/category/blog_topics/food_blog
[15] http://www.eatingwell.com/category/blog_tags/dinner
[16] http://www.eatingwell.com/category/blog_tags/family_meals
[17] http://www.eatingwell.com/category/blog_tags/quick_meals
[18] http://www.eatingwell.com/nutrition_health/nutrition_news_information/8_healthy_summer_foods_to_add_to_your_diet
[19] http://www.eatingwell.com/recipes_menus/recipe_slideshows/no_cook_healthy_lunch_recipes
[20] http://www.eatingwell.com/healthy_cooking/quick_healthy_cooking/secrets_to_making_power_salads
[21] http://www.eatingwell.com/recipes_menus/recipe_slideshows/frozen_desserts
[22] http://www.eatingwell.com/free_downloads/no_cook_dinner_recipes_cookbook
[23] http://www.eatingwell.com/blogs/food_blog/5_fathers_day_gift_ideas_for_food_loving_dads_everywhere
[24] http://www.eatingwell.com/node/290363?section=comments#tabs
[25] http://www.eatingwell.com/blogs/health_blog/bobbi_browns_top_10_superfoods_for_beauty_and_the_fun_way_she_eats_them
[26] http://www.eatingwell.com/node/290323?section=comments#tabs
[27] http://www.eatingwell.com/blogs/food_blog/the_easy_frozen_yogurt_dessert_youll_be_eating_all_summer_long
[28] http://www.eatingwell.com/node/290309?section=comments#tabs
[29] http://www.eatingwell.com/blogs/food_blog/4_foolproof_tips_to_make_healthy_veggie_chips_at_home
[30] http://www.eatingwell.com/node/290312?section=comments#tabs
[31] http://www.eatingwell.com/blogs/food_blog/these_coconut_fruit_bowls_are_trending_on_pinterest_and_were_obsessed
[32] http://www.eatingwell.com/node/290301?section=comments#tabs
[33] http://www.eatingwell.com/user
[34] http://www.eatingwell.com/print/115440
[35] http://www.addtoany.com/share_save?linkurl=/node/


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No food or caloric drinks until 5 PM. For your sustenance, meditate on 1 Corinthians 12.
Friday Fast
June 22, 2012 by Ragan Sutterfield Leave a Comment
Filed Under: Fast Leave a Comment
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About Ragan Sutterfield
Ragan Sutterfield is a writer and Episcopal seminarian sojourning from his native Arkansas in Alexandria, Virginia. He is the author of This is My Body: From Obesity to Ironman, My Journey Into the True Meaning of Flesh, Spirit, and Deeper Faith (Convergent/Random House 2015).


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Yep! Impakt Music presents highlife veteran, Sunny Neji as he dishes out to thrilling high life records titled "Money No Get Enemy" & "My Baby".
This is a good come back and also a perfect way to wrap up the year.
Enjoy below and share your thoughts.
DOWNLOAD Sunny Neji – "Money No Get Enemy"
DOWNLOAD Sunny Neji – "My Baby"
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2 total comments on this postSubmit yours
What a delivering,he left and came back his spot still remains what a legend I twale for u sir……
Dope song dear…i expect more of this


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The newly reimagined Del Amo Fashion Center in Torrance, California uses light, glass and elevation to create distinctive, responsive retail spaces that invite exploration. Like a museum's galleries, Del Amo's open, sophisticated design highlights the display character of retail in expansive storefronts and creates a welcoming public realm.
Across 2.2 million square feet, Del Amo blurs the lines between the inside and outside as a way to naturally express South Bay's beach lifestyle and its connection to the outdoors. A living wall infuses the food court with planted green foliage while open-air terraces, glass-topped atriums and luxuriant greenery reinforce this connection throughout the project.
5+design Team:
Tim Magill, Mark Welz, Jeffrey Kleeger, Anadelia Robles, Alice Leung, Shanon Binger, Calvin Huang, Manish Sharma, Daniel Gray, Susan Long, Aga Bachelder, Josh Hanley, Kelsey Dampier, Sean Anderson, Daniel Penick, Mayura Dhume, Rob Nickell, Stacey Thomas, Laura Lehman, Manabu Leventhal, Sean Oh, Tim Do, Jeremy Quinn, Carl Horner, Mark Commentz, Warren Riggs
Simon Property Group
Completed 2016
Project Type:
Retail, restaurant, entertainment
Site Area:
120 acres
Building Area:
2,230,000 square feet


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Independent people naturally tend to be a little more confident on handling issues affecting their lives. This is mainly because they are more prepared to take actions and do things without having to wait for support or permission from someone else. Being independent therefore means that you will be more likely to try out new things that you want, rather than what or how you are expected to. This also means that you will have more experience than a less independent individual.
Once we've attained growth in our respective fields, all we require is to zero fear to move ahead and make our marks. One should decide early in life, the ways to live independent, so as to swim in the depth of your dreams. You need to have faith in yourself and moreover, the belief that you can achieve what you've aimed for, in the technicality of things, never lose yourself and the fact that you've all you got, that is exactly why I'll be talking about ways how to be independent, with my 13 pointer list,
How to Be Live Independent
1. Voicing your opinion
From an early age, attain the habit of voicing out your views. Do not meekly surrender to rules, life is a tough deal and you need to understand its ways and mold yourself into an individual that is well informed and have strong opinions about the bitter reality of our society. Stand up for things you believe is wrong, begin to change your household and surroundings first, you'd help a lot of people, I can assure you.
2. Working hard
You have a goal, your aim is real high, but dreams are just dreams until you work upon them. If you wish to be independent in life, you need to achieve your goals, so that people believe in you, and also praise you for being a strong willed person. Once you put in all you've got, you'd never lose and that is a promise.
3. Set clear boundaries
Set clear boundaries that prioritize your own needs. For example, set boundaries with regards to as how much time you spend with someone, or the kinds of criticisms you are not willing to hear. Be sure you have other things going on in your life outside of any romantic relationship, whether it is school, work, friends, a fitness routine, or your family. Set clear boundaries with the individual and communicate to this person your need to be your own independent person. Once the boundaries have been discussed, stick to them.
4. Take on responsibilities
Being Independent needs you to take on responsibilities that you'd earlier lay on others, all through out. You need to be involve with your duties and make your share to the society. Try and invest in the well being of your fovourite ones. Don't you think, it is necessary to be independent?
5. Doing your own chores
Before you want all the freedom and liberty, stop asking your mom to cook for you, or your friends to do your work, start doing your own chores, have a routine, follow a target plan, learn how to drive. It is important that you know how to do stuff on your own, so that you never need anybody to come in and help you out for minimal needs.
6. Loving the right way
We all love our partners, our parents, but love is an emotion and being independent does not come with being too emotional in your life, you love everybody that is dear to you. But you need to stop depending on your partners and figure out your way of life, decide what you want for your life to be and enjoy your preferences. Ask them for advices, sure but never let go of your dreams.
7. Being proud of who you are
It is very important that you realize, that your own individual self is the best that you could be, and never be ashamed of yourself, be proud of who you are, and let everyone know. Show confident and sparkle all throughout life. Always aim to be better than yesterday, but do not let negative criticism grill you.
8. Less reliance on others
Less independent individuals tend to rely so much on others. This may be because they do not want to have to make choices for themselves or they feel too shy to go through challenges in their life without somebody by their side. This character makes you appear overly needy. Being a little more independent will be much appreciated by people and they will be willing to come to you for help. Being needed or relied upon is what many crave for; this will add some value on you and make you feel important.
9. To marry or not to marry
Do not ever let anyone tell you, that marriage defines you, you define yourself and marriage should be on the cards. when you feel good about it, have a choice to marry or not, it's totally cool, for you need to be with a person, not others. Do what makes you happy.
10. Learning to travel alone
Don't fear to travel alone, the biggest task in turning into a self-dependent individual is to figure out a way to travel alone, without any support and having confidence to deal or tackle any problems. Explore different places.
11. Better decision making
Being independent makes decision making an easy task; this is because you have proven to yourself that you are the only person that will be really affected by the decisions you make. On the other hand, being dependent on other people for emotional or financial support makes it difficult to make clear and appropriate decisions; this is because you will always have to stop to think about how the other person will be affected, and how they will react to your decisions. Whereas it is a good idea to consider other people while making decisions, being scared to make choices in fear of upsetting others can greatly hold you back.
12. Living on your own
By this, I mean, get out of the nested environment, by living alone, you'll learn about the responsibilities one has in his life. You will know more about, how to pay bills, manage money, and yourself, which also gives you confidence.
13. Earning/ having a job
Necessary, most important. All of us have talents, earn, tap on to your talents and get a job, be financially independent, you'll definitely understand how to manage money and not waste it, you'll realize the value of money, get to manage your account yourself. Make sure you save and never ask for support. Be capable of supporting yourself
Now, that you know, how to be independent, always remember, you need to know how to take care of yourself. Life is not a bed of roses and it tricks you into its charm a lot. But by being self-dependent, you'd never lose faith and will never fail to satisfy. At the end of the day, you'll be proud of your choices and would always be secure, for you have the potential. You know you can and so it is necessary to get up on your feet and make the most of the time you have to build yourself up. Your parents are going to be there for you, but you too, have a duty towards the society and yourself, so make sure you fulfill your goals and give your life a definition.
See Also: Why Being Sad Helps Us Remember the Good Things


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Delicious Rice Dishes
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I love rice to serve rice dishes to my family , especially jasmine rice. Here are some delicious rice recipes from Just A pinch cooks.
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A decade later, Patrick Huard and Colm Feore may or may not be wiser but they are naturally older looking in the bilingual comedy-drama Bon Cop Bad Cop 2. The first film set a Canadian box office record of more than $12.7 million by exploiting the rift between a strait-laced anglophone investigator and a rebellious francophone detective.
This time around, Feore's Martin Ward is attached to the Royal Canadian Mounted Police while Huard's David Bouchard still bends rules as an undercover agent for the Sûreté du Québec.
They meet again when Ward's RCMP unit busts a car theft ring that Bouchard has infiltrated. Together, the odd-couple cops decide to join forces. Their goal is to expose what might be a burgeoning terrorist plot linked to the stolen vehicles.
Huard, who also wrote the screenplay, and Feore, offer their considered opinions during an interview in Montreal where the sequel was filmed.
On the second time around:
"There is more humour and more real emotion and not just the perception of two different solitudes," Huard says. "And this time we tell a story about friendship.
"I also tried to write something that was more intricate in terms of cultural humour, and push the envelope everywhere."
On being invited back to the bilingual cinema party:
"Gratitude would be the first thing I thought of," says Feore. "Patrick wrote a really good part for me."
On reprising the chemistry:
"Of course, when you know your partner so well you can throw curve balls and you know he will throw them back at you," Huard says.
"I know Patrick is specific, and he takes such great time to prepare the script, and he was constantly refining it," says Feore.
On a less combative tone between the cops:
Huard says that the alteration reflects a changing dynamic in Canada. "It's not political, it's sociological and a different way of looking at things. As Colm says, 'It's like two decks of cards and you shuffle together.'"
On repeating the interplay magic:
"There was a new pressure to get things right," Feore says. "But (filming) was a delight from day one to day 40, or however many days we had."
On bonding on and off camera:
"The truth is we have a lot in common," says Feore. "We've had highs and lows in our careers. We have beautiful, smart and powerful daughters and we have smart and artistically engaged wives…"
On taking satirical aim at Americans in the sequel:
"So many times I've watched American shows making fun of Canadians," Huard says. "I said, 'I'm going to turn the tables.'"
Adds Feore, "We are fundamentally different, so this exaggeration of our neighbours to the south is revenge for years of Americans not knowing what they are talking about when it comes to Canadians."
On a sequence which enters the looney zone:
At one point, Huard's Bouchard is being held at a small-town Maine police station because they don't believe he's a police officer.
That has some of the local cops speculating about his nationality. One of them decides Huard's character might be Swedish because he speaks fractured English just like the Swedish chef on Seasame Street.
Absurd? Maybe not. During meetings in the U.S., Huard says he's been mistaken for a Swede, a Belgian and even an Australian.
"I had so much fun writing it," he says of the scene. "I was laughing to myself when I wrote it. A lot of people told me I was pushing too much, but I like it."
On the sequel being lost in box-office translation:
Huard's been told the film will have a tough time attracting customers in the U.S. because American moviegoers don't enjoy movies with subtitles, while the French might be put off "because it's pretty harsh French."
"But I didn't do it to conquer the world," Huard says. "I did it for the Canadians and the Quebecois. It was always my goal and my purpose."
Was he ever tempted to compromise? No way.
"I said, 'That's it, that's all.'"


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Page 141 - Here lies our Sovereign Lord the King, Whose word no man relies on ; Who never said a foolish thing, And never did a wise one.
Page 158 - A good man out of the good treasure of the heart bringeth forth good things: and an evil man out of the evil treasure bringeth forth evil things.
Page 567 - And ye know that he was manifested to take away our sins; and in him is no sin. Whosoever abideth in him sinneth not. Whosoever sinneth hath not seen him, neither known him.
Page 548 - THE Art which we profess has beauty for its object; this it is our business to discover and to express; but the beauty of which we are in quest is general and intellectual ; it is an idea that subsists only in the mind; the sight never beheld it, nor has the hand expressed it: it is an idea residing in the breast of the artist, which he is always labouring to impart, and which he dies at last without imparting...
Page 436 - The wind goeth toward the south, and turneth about unto the north; it whirleth about continually, and the wind returneth again according to his circuits.
Page 283 - Ye men of Israel, why marvel ye at this? or why look ye so earnestly on us, as though by our own power or holiness we had made this man to walk?
Page 487 - ... understanding. In the discovery of, and assent to these truths, there is no use of the discursive faculty, no need of reasoning, but they are known by a superior and higher degree of evidence. And such, if I may guess at things unknown, I am apt to think that angels have now, and the spirits of just men made perfect shall have, in a future state, of thousands of things, which...
Page 540 - An idle poet, here and there, Looks round him; but, for all the rest, The world, unfathomably fair, Is duller than a witling's jest. Love wakes men, once a lifetime each; They lift their heavy lids, and look; And, lo, what one sweet page can teach, They read with joy, then shut the book. And some give thanks, and some blaspheme, And most forget; but, either way, That and the Child's unheeded dream Is all the light of all their day.
Page 25 - A patriot, sir ! Why, patriots spring up like mushrooms ! I could raise fifty of them within the four-and-twenty hours. I have raised many of them in one night. It is but refusing to gratify an unreasonable or an insolent demand, and up starts a patriot.
Page 545 - Thou Primal Love, who grantest wings And voices to the woodland birds, Grant me the power of saying things Too simple and too sweet for words ! II.


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Notre Dame players held their first practice session in Florida on a training field normally used by the Miami Dolphins, as they get ready for Monday's BCS championship.
|Raw: Notre Dame Practices for BCS Championship
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|Document Type:
|All Authors / Contributors:
Arnold Oberschelp; Karl Potthoff; G H Müller; International Summer Institute and Logic Colloquium.
|0387075348 9780387075341 3540075348 9783540075349
|OCLC Number:
|iv, 651 p. ; 25 cm.
|An observation on the product of Silver's forcing.- Recursively unsolvable algorithmic problems and related questions reexamined.- Lectures on large cardinal axioms.- Indescribability properties and small large cardinals.- Marginalia to a theorem of Silver.- Computation theories: An axiomatic approach to recursion on general structures.- Closed models and hulls of theories.- Axioms of choice in Morse-Kelley class theory.- First-order logic and its extensions.- Set theory in infinitary languages.- Sur la methode en histoire de la logioue.- The model theory of local fields.- Quantifier elimination.- Intensional semantics for natural language.- On extendability of models of ZF set theory to the models of Kelley-Morse theory of classes.- Many-valued algorithmic logic.- The least ? 2 1 and ? 2 1 reflecting ordinals.- Data types as lattices.
|Series Title:
|Lecture notes in mathematics (Springer-Verlag), 499.
|Other Titles:
|Logic Conference.
|edited by G.H. Müller, A. Oberschelp, K. Potthoff.
User-contributed reviews


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USER EDITORbeowulf579
Edward Lytener escapes from Stryker's Island and becomes Luminus. He hopes to render Superman powerless by hijacking a number of satellites so that they permit only red light to filter through from the sun.moreless
Livewire manages to escape from prison and tries to get her own back on Superman, but once again, she underestimates his skills. So, she convinces an unlikely ally - the Parasite - to help her in taking Superman out for good.moreless
Superman must repeatedly deal with Mr. Mxyzptlk a strange and powerful being from the fifth dimension.
Someone has it in for Lois and tries to kill her. It's up to her and Superman to find out who the mysterious aggressor is.
Superman encounters Bizarro, an imperfect genetic double of The Man of Steel, who tries to take Superman's place as Metropolis' hero.
Superman and the Flash stage a charity race to find out "Who is the Fastest Man Alive." But the villainous Weather Wizard plans to use the hero's power to his own advantage in order to become rich, even if it means the destruction of Metropolis.moreless
A giant humanoid creature with incredible strength and heat-sapping abilities, falls to Earth and now threatens the planet. Superman has to halt the creature's advance and send it back into outer space.
Superman and Professor Hamilton start building a new Phantom Zone projector to balance the odds. However Jax-Ur and Mala manage to send Superman into the Phantom Zone, and then destroy the Projector. As their decimating attacks begin, it's up to Lois and Professor Hamilton to rescue the Man of Steel in time.moreless
Superman decides to release Mala, a Kryptonian criminal, from the Phantom Zone, but when Mala proves too power-hungry for this world, Superman tries to send her back. Mala escapes with the Phantom Zone Projector and releases Krypton's most notorious traitor, Jax-Ur.moreless
When embittered scientist Earl Garver goes into a coma before revealing the location of a ticking bomb, Superman risks enlisting the Parasite to drain the information from Garver's mind.
Bruno Mannheim's Intergang terrorizes Metropolis with hi-tech weapons from Darkseid, while SCU Inspector Dan Turpin goes on a personal hunt for answers.
Clark's childhood sweetheart Lana Lang comes to Metropolis, and puts her own life in danger by trying to spy on Lex Luthor for Superman.
Superman and Lobo team up to escape the Preserver and a vile band of competing bounty hunters with their own vendetta against the "Main Man."
Intergalactic bounty hunter Lobo is employed to capture the Man of Steel, but thanks to a double-cross by the rare-species-collecting Preserver, both Superman and Lobo end up trapped in the Preserver's personal zoo.moreless
Brainiac, once Krypton's all-knowing planetary computer, comes to Earth as part of his information-gathering trek across the galaxy. But, as Superman discovers, Brainiac's intent after gathering the world's knowledge is to destroy the Earth.moreless
Thanks to the orchestrations of Lex Luthor, terrorist John Corben becomes Metallo, a skin-covered cyborg with a Kryptonite heart. Luthor then sets the supervillain on a quest to kill Superman.
After toxic chemicals transform janitor Rudy Jones into the energy-draining Parasite, he imprisons Superman, intent on keeping the Man of Steel as his own personal power source.
Lex Luthor discovers Superman's vulnerability to Kryptonite, and attempts to exploit this weakness to rid himself once and for all of the Man of Steel.
Superman rescues Metropolis thug Bruno Mannheim and Lois from the vengeful Toyman.
Superman thwarts a plot by Lex Luthor to sell the LEXO-SKEL SUIT 5000 to Kaznian terrorists, via their agent John Corben.
Young Clark Kent discovers his true identity; and as an adult presents himself to Metropolis as Superman.
Jor-El, a Kryptonian scientist and Council Member, rescues his son Kal-El from the dying planet by launching the baby to Earth.
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Fall Tree
This wedding cake was for a friend of mine from college. It is the biggest cake I have ever made! This thing fed over 200 people--and fought me all the way. Everything that could have gone wrong-seemed to. I had to mask lots of fondant cracks since the 2 hour car drive did a little trauma to it. I think it turned out alright in the end, though! She wanted a cake with lots of color and a tree on it since they got engaged under a big tree. The bottom on third tier are chocolate and the top and second are pumpkin spice pound cake--all with creamcheese filling. The tree is chocolate buttercream and the leaves are royal icing. Thanks so much for all the ideas and support!!
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Safeway Kicks Off Prostate Cancer Research Campaign
Safeway Inc., Pleasanton, Calif., kicked off its annual prostate cancer fundraising and awareness campaign yesterday, making this year the ninth consecutive year that the grocer has dedicated an entire month to supporting prostate cancer research.
Safeway Inc., Pleasanton, Calif., kicked off its annual prostate cancer fundraising and awareness campaign yesterday, making this year the ninth consecutive year that the grocer has dedicated an entire month to supporting prostate cancer research.
Since the effort began, the company has raised nearly $42 million to fund research at some of North America's top cancer centers, including the Prostate Cancer Foundation (PCF), to identify research projects and institutes for grants.
"We are committed to funding research and making a meaningful impact in the quest for new treatments and, ultimately, a cure," said Safeway chairman, president and CEO Steve Burd. "Our company-wide public service campaign will raise money and spread the word about the importance of early detection and treatment to the millions of consumers that we are fortunate to reach each day."
Safeway will reach consumers through a series of radio, print and in-store advertisements that will run during the month of June. In addition, more prostate cancer facts will be available on Safeway's Web site (www.safeway.com).
Each June, Safeway's U.S. and Canadian stores give customers the chance to make donations at the checkstand when shopping at their local Safeway, Dominick's, Randalls, Tom Thumb, Genuardi's, Vons, Pavilions, Carrs, or Pak n' Save stores. Past recipients of grants include the following teaching and research hospitals in North America:
• Fred Hutchinson Cancer Center, Seattle
• Johns Hopkins University, Baltimore
• The University of California, San Francisco
• M.D. Anderson Cancer Center, Houston
• The University of British Columbia
• Translational Genomics, Phoenix
"The Safeway program supporting prostate cancer research is one of the nation's most successful consumer retail programs, having raised nearly $42 million for discovery in prostate cancer in just eight years," said Jonathan Simons, MD, president and CEO of the Prostate Cancer Foundation. "So much of the progress we have made is directly attributable to the annual Safeway campaign and we are extremely grateful for their ongoing efforts."
Safeway's support of PCF research programs is also helping to make important advances in other areas. Two examples are immunotherapy (the science of stimulating a patient's own immune system to destroy cancer cells) and new blood- and urine-based diagnostic tools. These "liquid biopsies," that are cancer-specific and can also help measure patient response to treatment, are now on the horizon.
While Safeway is one of the largest corporate supporters of cancer causes, having raised more than $100 million for breast and prostate cancer research and treatment since 2001, cancer research is just one of the many causes that the company supports each year. Safeway contributes to a broad range of charitable and community programs and in 2008 donated more than $248 million to education, hunger relief, health and human services, and programs focused on assisting people with disabilities.
Safeway operates 1,739 stores in the United States and western Canada and had annual sales of $44.1 billion in 2008.


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Arab states' petrodollars are burning fast and that's bad news for emerging markets, real estate and, above all, Asian securities.
Gulf Cooperation Council countries have to refinance $94 billion of debt over the next two years, as reported by Bloomberg News on Sunday. As the price of oil drops, so do the foreign-exchange reserves of those nation's central banks. That's an indication that sovereign wealth funds built with petrodollars aren't investing much lately. In fact, they're selling.
Such sovereign wealth funds are, naturally, key buyers of sukuk, or Islamic bonds. No surprise then that 2015 was the slowest for issuance of Islamic debt since 2011, and offerings last month were the least for any January in six years, according to data compiled by Bloomberg.
It goes way beyond Sharia-compliant securities, however. Middle Eastern investors, especially the sovereign wealth funds and banks, are big backers of infrastructure around Asia and important buyers of bonds, in particular those from Indian companies, as noted recently by Ken Hu, Invesco's chief investment officer for Asia-Pacific fixed income.
Investors from Arab states bought about a quarter of the $650 million of notes sold by India's Adani Ports in July, while 42 percent of the $500 million of debentures issued by Mumbai-based ICICI Bank in August were placed in Europe and the Middle East.
Institutions from the Middle East are usually a mandatory stop for any Asian company seeking infrastructure investors because their Islamic mandate doesn't allow them to profit from interest unless it results from real earnings. The same reason draws them to real estate -- in 2008, Abu Dhabi's sovereign wealth fund bought the iconic Chrysler building in New York. They also like to invest in financial institutions and often take up bonds from banks and insurance companies. (In case anyone forgot, they were instrumental in helping U.S. financial institutions recapitalize following the 2008 financial crisis.)
After decades of buying, sovereign wealth funds globally hold more than $3 trillion of stocks. According to a report released earlier this month by the Las Vegas-based Sovereign Wealth Fund Institute, some $404.3 billion of that may be withdrawn this year if crude stays between $30 to $40 a barrel.
That figure doesn't include bonds or real estate. As Gulf state sovereign wealth funds try to keep purchasing power steady at home, they're likely to unload a little bit of everything they own. Buying into new bond offerings is hardly going to be top of their agenda. That's especially bad news for countries like India and Indonesia, which are planning to outlay hundreds of billions of dollars to upgrade infrastructure.
If they were hoping for the support of Middle Eastern investors, it'll have to wait. Meantime, those money managers who hold the sorts of securities favored by investors from the region had better start marking down their value.
This column does not necessarily reflect the opinion of Bloomberg LP and its owners.
To contact the author of this story:
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To contact the editor responsible for this story:
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US: GM delays 2006 results announcement
General Motors has said it will make a net profit in the fourth quarter but will delay reporting 2006 financial results because of accounting errors and other issues.
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About the Book
Venice Carnival is a vibrant festival and this book captures the costumes and masks which are the essence of the celebration.
The Journey So Far is a photography partnership of Anthony & Catherine Cash.
Features & Details
Small Square, 7×7 in, 18×18 cm
58 Pages
- Publish Date Oct 25, 2009
- Tags Venice Carnival, Anthony Cash, Catherine Cash, Venice, Carnival, Mask, Costumes, Italy, Cash, Nikon
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New Delhi: Finance minister Pranab Mukherjee today met financial sector regulators, including Reserve Bank of India (RBI) governor D Subbarao and Securities and Exchange Board of India (SEBI) chairman C B Bhave, to work out a framework for the Financial Stability and Development Council (FSDC) - a body which will deal with inter-regulatory issues, reports PTI.
"They (finance ministry) have asked for reactions from all the regulators which we have given in writing earlier. Today the finance minster held a meeting to discuss our reaction on the discussion paper," RBI governor D Subbarao told reporters after the meeting.
The RBI is believed to have expressed reservations on the proposal saying that the council, which will be akin to a super-regulator, might dilute its autonomy.
Besides Mr Subbarao and Mr Bhave, the meeting was attended by Insurance Regulatory and Development Authority (IRDA) chairman J Hari Narayan and Pension Fund Regulatory and Development Authority (PFRDA) chairman Yogesh Agarwal. Finance secretary Ashok Chawla was also present.
In the Union budget, Mr Mukherjee had proposed to set up FSDC with the explicit intention of strengthening and institutionalising the mechanism for maintaining financial stability.
The minister recently at New York had said, "Without prejudice to the autonomy of regulators, the council would undertake macro prudential supervision of the economy, including functioning of large financial conglomerates, and address inter-regulatory coordination issues. It will also focus on financial literacy and financial inclusion."
Today's meeting, according to Mr Subbarao, "was very constructive. We gave our suggestion. He (the minister) said he will consider them and the finance ministry will respond."
New Delhi: The Insurance Regulatory and Development Authority (IRDA) today said the guidelines for insurance companies to tap the capital market for funds were awaiting the Securities and Exchange Board of India's (SEBI) nod and would be out soon, reports PTI.
"Initial public offer (IPO) guidelines for insurance companies will be out soon.
It has been approved by the joint committee of SEBI and has to be approved by the SEBI (board)," IRDA chairman J Hari Narayan told reporters here.
Last month the regulator had said that the proposed IPO guidelines for non-life insurance firms were in the process of finalisation.
The guideline for IPO of life insurance companies has already been approved by SCADA, a body constituted by SEBI, and is awaiting final nod from the market regulator.
Currently, most of the 22 private life insurers and 17 non-life players have foreign partners. The Insurance Act caps foreign direct investment at 26%.
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IRDA had already notified the disclosure norms, necessary for providing details about the operations and balance sheets on quarterly and yearly basis. The IPO guidelines will deal with norms that a company must fulfil before hitting the capital markets.
The general insurance sector has 21 players, which include four state-owned companies.
Several private sector insurers, including Reliance Life and HDFC Standard Life, have already shown interest in tapping the capital market to augment their resource base.
The private players are waiting to tap the primary markets to augment their resource base.
This high-profile microfinance company has sacked its CEO, under a shroud of secrecy. The bigger question is whether these aggressive, for-profit organisations should be allowed to play havoc with the finances of the rural poor
A week after SKS Microfinance shocked the corporate world by sacking its CEO, the company's image as the messiah of India's rural poor is suffering from a steady erosion. One of the main reasons for SKS's damaged public image is that the company's board of directors and the glittering list of SKS shareholders have chosen to maintain a stunning silence over the way the CEO was sacked and also the swirling rumours regarding how the company was run.
The Securities and Exchange Board of India (SEBI) has done well this time to react quickly and publicly in asking the company to explain its action. It has also done well to let it be known (through media leaks) that it is not satisfied with the answer. We learn that one reason for SEBI's quick response could be the fact that before the IPO (Initial Public Offering), some of its shareholders had complained about a preferential offer to a select group, which was later dropped.
The silence of SKS Microfinance presents an interesting case study about perceptions of governance and accountability at the board level. While there is no indication of a financial scam like Satyam, here is another case, where neither a glittering list of internationally renowned corporate achievers (Vinod Khosla, NR Narayana Murthy) and top funds such as Sequoia as shareholders nor a board packed by representatives of private-equity funds, has been able to prevent controversial and confrontationist action without explanation.
Surely the board realises that unceremoniously sacking a CEO without explanation, is a different cup of tea from maintaining a dignified distance from Vikram Akula's messy divorce and prolonged custody battle, details of which are splashed all over the Web. And if they were convinced that the CEO needed to be sacked within months of an IPO, they need to explain to the retail shareholders who are not as privileged. When asked, Mr NR Narayana Murthy sent me this text reply, "since the issue is in court, I would not like to comment on this. I am also not aware of what exactly happened for this result".
On whether he was consulted before this controversial decision he said, "It is not proper to comment," at this stage when the issue is still sub-judice. It may be recalled that Mr Narayana Murthy's venture capital company acquired a substantial stake in SKS Microfinance just before the IPO at Rs300 a share. This investment certainly enhanced the premium that the company could command and also increased retail interest in the issue significantly. We contacted the two public relations agencies that handle SKS's media relations - Adfactors and Sampark - and both were doubtful if the company would speak. Interestingly, it is not clear how the issue remains sub-judice when the court has decided the issue, ordered Gurumani to remain on the board and asked the company to seek general body approval for its action of sacking the CEO.
Since the company and its big shareholders are keeping mum, here are a few details we have pieced together about the sudden sacking of Suresh Gurumani. It is generally agreed and believed that the central issue was a personality clash between Vikram Akula, who wanted to take charge of the company once again, after winning the protracted custody battle for his son. Meanwhile, Suresh Gurumani, who had powered the growth of SKS Microfinance over the past two years, ensured a successful IPO, helped bring major shareholders on board and was even becoming the face of Indian microfinance (due to Akula's long absences from India), wasn't quite willing to give up. The flashpoint allegedly was Akula's objection to Gurumani trying to centralise processes. Whether centralised processes are the better thing to do will be evident in the coming years, especially when microfinance companies are chasing India's rural poor in exactly the same manner as they and private banks had chased the urban poor with expensive personal loans and credit cards.
It appears that Gurumani was all set to resign quietly. There was an understanding on his severance deal, including a three- to six-month gardening leave (when he cannot join a rival firm), 1.25 lakh stock options and payment of his salary for a year (a stunning Rs2 crore a year in a microfinance company). This was apparently negotiated by directors PH Ravikumar, Sumit Chhada, Paresh Patel and Vikram Akula. However, we learn that the lawyers who drafted the severance deal inserted so many onerous conditions that Gurumani decided to reject it. He was then threatened with sacking and told that it could lead to forfeiture of his options.
Source say that Gurumani's employment terms specified that if he was terminated 'with cause', he would lose all his stock options, but if the company couldn't come up with reasons to sack him, he not only walks away with his stock options (valued at around Rs300 crore at today's prices). Given this deal, we learn that the company tired to find a 'cause' for sacking Gurumani. For a while, they toyed with the idea of questioning his frequent visits to Mumbai, where his family continued to live.
Amazing as it may seem, the high-profile SKS Microfinance was headed by two people who spent very little time in Hyderabad. Akula was in the US almost every alternative week for his divorce and custody battles; in between he even found time to romance a well-known actress. We learn that some sensible voices at the board rejected the idea of investigating Gurumani's Mumbai trips too much, because there could be equal questions about Akula's US visits.
As things stand, some dirty linen is bound to be washed at the general body meeting. But, it is unlikely that Gurumani will find the numbers to back his continuance at SKS Microfinance as CEO. Gurumani also has no option but to fight, since SKS's action in sacking him has already made his employability an issue and he will want the best exit deal. His short stint at SKS Microfinance leaves him a very rich man who has little to lose. On the other hand SKS Microfinance and the microfinance industry itself has a lot more to lose. The fracas is just the trigger that was probably needed for many of us to question whether microfinance companies need to be reigned in and investigated before they create a moral hazard among India's rural poor by plying them with onerous loans that they cannot repay.
Maybe it is time the Reserve Bank of India woke up to what Mohammed Yunus, the father of microfinance, has been saying about aggressive, for-profit microfinance companies and their operations.


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