text:
Toronto–Dominion Bank
|TD Bank Group
|Traded as
S&P/TSX 60 component
|Financial services
Bank of Toronto
The Dominion Bank
Toronto-Dominion Centre
Toronto, Ontario, Canada
Key people
Bharat Masrani,
|$36.1 billion CAD (F2017)[1]
|$10.5 billion CAD (F2017)[1]
|Total assets
|$1.2 trillion CAD (F2017)[2]
Number of employees
|TD Canada Trust
TD Securities
TD Waterhouse
TD Bank, N.A.
TD Asset Management
The Toronto–Dominion Bank (French: Banque Toronto–Dominion) is a Canadian multinational banking and financial services corporation headquartered in Toronto, Ontario. Commonly known as TD and operating as TD Bank Group (French: Groupe Banque TD), the bank was created on February 1, 1955 through the merger of the Bank of Toronto and The Dominion Bank, which were founded in 1855 and 1869, respectively. TD's Institution Number (or bank number) is 004. They have the highest mortgage prime rate in the market, higher than most other banks in Canada.[4][5]
TD Bank Group is the largest bank in Canada by total assets, second largest by market capitalization, and a top-10 bank in North America. Globally, it ranks as the 26th largest bank in the world, according to Standard & Poor's.[6]
The bank and its subsidiaries have over 85,000 employees and over 22 million clients worldwide.[7] In Canada, the bank operates as TD Canada Trust and serves more than 11 million customers at over 1,150 branches. In the United States, the company operates as TD Bank (the initials are used officially for all U.S. operations). The U.S. subsidiary was created through the merger of TD Banknorth and Commerce Bank, and serves more than 6.5 million customers with a network of more than 1,300 branches in the eastern United States.[8]
The company is ranked at number 66 on the Forbes Global 2000 2015 listing.[9] In October 2008, the company was named in the listings of Canada's Top 100 Employers in Maclean's and Greater Toronto's Top Employers by the Toronto Star.[10] Furthermore, in 2008, 2011, 2013, and 2014 it was named one of Canada's top 10 employers by the Financial Post.[11]
The origins of the Toronto–Dominion Bank lie in the efforts of a group of businessmen in the Province of Canada West (as Ontario was called between 1840 and 1867), involved in the buying, milling and marketing of grain. They were determined to create a financial institution to meet their specific needs in banking, insurance, and commodities exchange. The group submitted its first petition for the incorporation of the Millers, Merchants and Farmers Bank of Canada West in 1854 to the legislature of the province of Canada, which rejected the request. However, on March 18, 1855, their application for a charter for the Bank of Toronto, with an authorized capital of £500,000, was granted.
In July 1856, the Bank of Toronto opened its offices at 78 Church Street, Toronto, with a staff of three and immediately began development of a provincial network of branches. In 1860, it opened its first branch outside of Ontario, in Montreal, Quebec.
The Bank of Toronto established itself as an efficient, profitable, but essentially conservative bank through the 19th century under the directorship of Thomas Clarkson, who had helped establish the bank and the Toronto Board of Trade.[12] It maintained a very high reserve against its capital and enjoyed the highest share price of any bank in Canada. Growth was very slow and deliberate with a few new branches opened in emerging regional centres. Core customers remained farmers, merchants, and processors of farm products, produce, and grain (including millers, brewers, distillers).
In 1871, a group of entrepreneurs and professionals under the leadership of James Austin launched the Dominion Bank to join the Bank of Toronto in the Ontario market. They were dedicated to creating a new institution "conducive to the general prosperity of that section of the country." Like the Bank of Toronto, the Dominion Bank was a cautious institution, "selecting its customers carefully, serving them well, and duly prospering with them" (in the words of the official history). It also created a network of branches, and in 1872 became the first Canadian bank to have two branches in one city–Toronto.
With the maturing of the Canadian economy and the opening of northern Ontario and the West in the 1880s and 1890s, the banks became more aggressive in loans to resource industries, utilities, and manufacturing. In 1897, the Dominion Bank opened its first western branch in Winnipeg and two years later the Bank of Toronto opened a branch in the British Columbia mining town of Rossland. In the first decade of the twentieth century, the banks rapidly expanded their branch networks in central Canada and across the west.
To mark their rise as significant national institutions, the Dominion Bank moved into a large new head office building at the corner of King and Yonge Streets in Toronto in 1879 and the Toronto Bank followed with another landmark head office at King and Bay Street in 1913.[13][14]
World War I brought new challenges for the two banks when they were called upon to finance war expenditures and to support the innovation of war bonds marketed to the general public. Half the staff of the two banks served in the armed forces.
Except for some contraction in the western provinces due to drought, the decade following the war was one of expansion and increasing profitability due to resource development and industrial expansion. Both banks weathered the storm of depression in the 1930s without great difficulty, despite a decline in earnings. Like all Canadian banks, they endured criticism of their credit policies and resisted the creation of a central bank to control the money supply and advise on fiscal policy. Ultimately the Bank of Canada was established in 1934 and by 1949, private banks were ordered to remove their currency from circulation.[15]
The coming of World War II involved the banks, once again, in the marketing of war bonds and in participation in the control of foreign exchange, rationing, and other financial war measures. Approximately 500 staff, or almost half the total, entered the armed forces.
The Bank of Toronto and Dominion Bank emerged from the war in 1945 stronger than ever, with assets more than doubled since 1939. With the post-war boom they became more active in business lending and in the penetration of new markets. However, they quickly realized that the costs of expansion and competition with much larger rivals made their objectives difficult to realize. Neither bank had engaged in acquisitions or mergers in order to grow, but both determined that a union with a bank of equal size would place them in a much stronger position to take advantage of the opportunities of the post-war economy.
In 1954, negotiations began between the Bank of Toronto and the Dominion Bank, and by the end of the year an amalgamation agreement was reached. In their brief to the Minister of Finance the banks stated: "It is more burdensome for a small bank to keep pace with the development of our country than for a large bank, with the result that the effective growth and comparative influence of smaller banks will probably in the future decline in comparison with that of the larger banks."[citation needed]
Canada's Minister of Finance announced November 1, 1954, that he would accept the amalgamation, and shareholders were asked for their approval. This was forthcoming in December and on February 1, 1955, the Bank of Toronto and the Dominion Bank became the Toronto–Dominion Bank.
The first years of the new bank were dedicated to the demands of amalgamating the two predecessors, institutions of roughly equal size, but with different strengths and unique corporate cultures. The new institution combined head office functions, consolidated branches, and established a new regional organization. An aggressive program of branch modernization and expansion extended TD's presence in its traditional markets and took it into new territory in the Maritime provinces and on the natural resource frontier. The new bank established its identity through an active public relations campaign focused on customer service – "The Best in Banking Service", the bank's first slogan evolved into the highly successful "The Bank Where People Make the Difference".
The competitive banking environment, and the need for effective integration of two administrations, led the bank to re-assess and modernize business practices and methods through the second half of the 1950s. Management streamlined procedures, introduced new technology, and emphasized the human resources function as the bank placed increased weight on customer service and product knowledge.
The bank's emergence as a forward-looking institution was highlighted by the announcement in 1962 that it would have a new and very high-profile head office in downtown Toronto. The Toronto–Dominion Centre, designed by Mies van der Rohe, the leading architect of the day, would include the tallest building in Canada. It would revolutionize both the skyline of Toronto and the public perception of TD.
By the 1960s, the bank solidified its domestic base and established its credentials as a major institution. It began to look beyond its traditional spheres of operation and to explore the international scene and opportunities, domestic and foreign, for large-scale project financing. It developed a network of U.S. representative offices, partnerships with global merchant banks and venture capital operations. Heralding a new commitment to independent and syndicated project financing, in 1967 the bank undertook the financing of the massive Anvil lead-zinc-silver mining operation in Yukon, the construction of the Rainbow crude oil pipeline in Alberta, and resource development ventures in Ireland.
The bank offered the first debentures in Canadian banking history on May 29, 1967. The Bank Act of 1967 ushered in a period of enormous change on the Canadian financial scene.[16] For the first time, banks were permitted to charge more than six-percent interest on loans, encouraging a new emphasis on personal and specialized consumer loans. More significantly, banks could now make mortgage loans on real estate and the mortgage loan portfolio quickly gained enormous significance.
By the close of the 1960s, the bank's customer base had become more diverse and new products and services were launched almost daily. The Visa card made its appearance (as Chargex) and mutual funds were marketed for the first time. In addition, the options for product and service delivery were greatly expanded thanks to computer and communications technology. An "On-Line Savings" system was introduced in Toronto in 1967 and ten years later the Green Machine appeared as the first "full-service" automatic teller machine (ATM) or ABM (automatic banking machine – the general term within Canadian banking), greatly enhancing the customer service capabilities of the bank.
In 1969, the corporation introduced a new logo and adopted an official "TD green." In the same period, television, and radio advertising were utilized for the first time in order to promote the new range of products.
The bank kept in step with the times on other fronts as well. It encouraged women to move into management roles and appointed the first female bank manager in 1968. A decade later, more than 40% of all management trainees were women.
International operations became a major focus of the bank after 1970. It launched new subsidiaries in the United Kingdom, United States, and the Middle East. In 1970, TD became first Canadian bank to make a substantial investment in commercial banking in Hong Kong, and by the end of the decade TD's role in international lending and money market trading was supported by operations in almost every corner of the globe.
Following upon the success of the Toronto TD Centre, the bank was active in financing retail and commercial real estate projects across Canada. It was a partner in the Toronto Eaton Centre, and participated in such major developments as the Pacific Centre in Vancouver, Edmonton Centre, TD Square in Calgary, and the TD Tower in Halifax.
The bank weathered the economic downturn of the early 1980s, showing consistent revenue increases from 1980 to 1984. By the late 1980s, however, the bank was caught up in the debt crisis in the developing world caused by the recession and the dramatic rise in interest rates. Significant loan losses were reported in 1987 and, while the bank participated actively in debt restructuring initiatives, it also committed itself to more conservative lending practices.
Despite the difficult economic conditions and the negative impact on earnings, the 1980s and early 1990s saw many positive developments. Deregulation began to eliminate the barriers between the various elements of the financial sector, particularly with the Bank Act of 1987. The bank moved into the discount brokerage business in 1984 with the introduction of Green Line Investor Services and less than a decade later launched its full service brokerage, TD Evergreen. In 1987, the company established Toronto Dominion Securities Inc. to provide corporate, treasury and investment banking services to corporate clients. In 1992, the Bank acquired the assets of a major trust company, Central Guaranty Trust and began the operation of TD Bank and Trust.
The 1990s saw TD responding swiftly to the challenges of the Internet and leading the way in e-banking. In 1996, the bank created its web site and launched TD Access: PC, North America's first fully integrated banking and brokerage PC package. In 1998, TD introduced Web Access and within a year made e-banking services available to a growing number of customers internationally. By the 21st century, the bank had positioned itself as a multi-channel e-commerce company.
Also in 1998, the Toronto–Dominion Bank proposed to merge with the Canadian Imperial Bank of Commerce, at the same time as the Bank of Montreal proposed to amalgamate with the Royal Bank of Canada. After examination of both mergers by the Competition Bureau of Canada, Paul Martin, then Finance Minister, ultimately rejected them.
The need to build TD into a major player in world financial markets prompted the Bank to acquire Waterhouse Investor Services, Inc. in 1996 (and in a stroke more than double its size as a discount broker). TD completed the $8 billion purchase of Canada Trust in 1999 and the merger took effect in February 2000.
Founded by local businessmen in London, Ontario in 1864 as the Huron & Erie Loan and Savings Company[17] Canada Trust could trace an ancestry, through mergers, to 1855 and the establishment of the Canada Permanent Mortgage Corporation by many of the same individuals who established the Bank of Toronto. It also had direct ties to Toronto General Trusts, Canada's first trust company, incorporated in 1872. These institutions were instrumental in providing a pioneering farming community and residents of the growing towns across Canada with mortgage funds and other financial services.
Huron & Erie/Canada Trust established itself as a dynamic mortgage and trust company, first in Ontario, then across Canada through the late 19th and early 20th centuries. It was consistently aggressive in building its business and marketing its services and became an innovator in customer service. Following its merger with Canada Permanent in 1989, Canada Trust became the country's sixth largest financial institution.
The Canada Trust acquisition gave the bank new momentum, significantly expanded the breadth and depth of the bank's branch coverage, and enhanced TD's customer service commitment. Some have incorrectly referred to the new corporation as TD Canada Trust, though the latter only makes up the largest division. Toronto–Dominion Bank has now been operating under the brand Toronto–Dominion Bank Financial Group (TDBFG).
With the merger of Toronto–Dominion Bank and Canada Trust, the Competition Bureau required the group to sell either its MasterCard or Visa business. Citibank Canada bought TD Canada Trust's MasterCard business and clients. TD began advertising its Visa cards under the corporate brand TD Visa.
In the 1990s, TD acquired U.S. discount brokerage Waterhouse, renaming it "TD Waterhouse." In Canada, TD's own "Green Line" discount brokerage adopted the TD Waterhouse name.
In June 1999, TD sold 42 million shares or 12.4 percent of TD Waterhouse in an initial public offering, with shares priced at C$35.28 or US$24 per share, earning US$1.01 billion. In 2001, with the burst of the Dot-com bubble and lower trade volumes that decreased Waterhouse's share price, TD repurchased that minority stake at US$9 per share for only US$378 million, earning a profit on the privatization. The acquisition was conditional on TD owning at least 90 per cent of Waterhouse's outstanding common shares, and it owned almost 89 percent when the privatization was announced.[18][19]
In 2003, TD held talks with E-Trade about a merger of its TD Waterhouse component, but negotiations stalled over issues of control.[20] On August 26, 2004, the bank announced a definitive agreement to acquire a 51 per cent interest in Banknorth Group, Inc. (now TD Banknorth), a bank in the U.S. northeast. In 2005, TD announced an agreement to sell seventy-percent of TD Waterhouse (USA) to Ameritrade; TD would retain the remaining thirty percent in the newly created TD Ameritrade.
In late September 2009 and early October 2009, significant technical problems related to the integration of computer systems with the previously purchased Commerce Bank caused chaos for many customers as funds for scheduled direct deposits were not available and account balances were reported incorrectly. The bank's telephone lines experienced extremely high call volume and branches were crowded with customers looking for information.
In April 2010, TD Bank acquired three failed banks in the United States. It acquired certain assets and liabilities of Riverside National Bank of Florida, First Federal Bank of North Florida and AmericanFirst Bank from the Federal Deposit Insurance Corporation (FDIC).[21]
Toronto-Dominion and Bank of America announced an agreement on August 16, 2011, for Toronto-Dominion to acquire MBNA Canada′s credit card business for $8.5 billion.[22]
In June 2012, TD Canada Trust introduced a new enhanced Access Card with the new Visa Debit /Interac Flash Access Card which will allow customers to use it via phone/online and internationally through the Visa network.[23]
The bank's headquarters is at the Toronto-Dominion Centre at King Street and Bay Street in Toronto, Ontario. The black skyscrapers were designed by the firm of Ludwig Mies van der Rohe and were the first of their kind in the city. Opened in 1967, the TD Centre was the inspiration of Al Lambert (1911–2002), the former president and chairman of the bank's board.
The subsidiaries of TD Bank Group (formerly TD Bank Financial Group) include:
- TD Asset Management – institutional investment management
- TD Auto Finance – new and used vehicle financing
- TD Bank, N.A. – U.S. personal and commercial banking (merged entity of Commerce Bancorp, TD Banknorth and TD Bank USA)
- TD Canada Trust – Canadian personal and commercial banking
- TD Commercial Banking – global commercial banking
- TD Insurance Meloche Monnex – insurance products and services, including a division that specializes in Alumni/Professional group rates
- TD Merchant Services – a wholly owned subsidiary providing credit card processing services for merchants such as retailers
- TD Securities – investment banking and capital markets
- TD Wealth – wealth management
- MBNA Canada – co-branded and affinity credit card services
- Symcor – transaction processing (joint venture with Royal Bank of Canada and Bank of Montreal)[24]
- TD Direct Investing - investing and trading
Wealth Management offers investors an array of investment products and services. Wealth Management comprises a number of advisory, distribution and asset management businesses, including TD Mutual Funds.
TD Securities is the investment banking arm of TD Bank Group. It is an underwriter of debt and equity securities and strategic advisor to corporations, governments, and institutions worldwide. A key business segment is the trading of fixed income and equity products, currencies, commodities and derivatives in major financial markets around the world. It has offices in 18 cities worldwide with over 3,000 employees. TD Securities is a leading investment dealer in North America, has a strong presence in Europe, and is active in Asia.
Partners in Outsourcing[edit]
G4S Cash Solutions[edit]
In 1992 G4S Cash Solutions, a subsidiary of British security services company G4S plc, began a pilot project with Toronto–Dominion Bank in metro Toronto that developed into a nationwide partnership in 1997. G4S Cash Solutions secured the contract to transport cash and provide first line maintenance for the bank's automated teller machines (ATMs) – both cash dispensing and deposit pick up units." By 2010, G4S Cash Solutions operated 2,577 ATMs, 1,093 branch night deposits, 95 weekly balanced cash dispensers as well as eight cash dispensers for branch tellers and 100 across the pavement services and hosted a discussion on the introduction of polymer banknotes in 2011 with leading Canadian financial institutions.[25]
Multinational firm, iGate Corp provides support services for TD Bank, as well as Pratt and Whitney Canada among other international clients.[26][27]
Toronto–Dominion Bank formed a partnership with Bank of Montreal (BMO) and Royal Bank of Canada (RBC) in 1996, to create Symcor, a private entity that offers transaction services such as item processing, statement processing and cash-management services to major banks and retail and telecommunications companies in Canada. As of 2011 Symcor produces close to 675 million statements and more than two billion pages of customer statements, and processes three billion cheques annually.[24][28]
Affiliated Computer Services, a subsidiary of Xerox, acquired Symcor's U.S. operations in October 2014.[29]
Mergers and acquisitions[edit]
- Bank of Toronto and the Dominion Bank – 1955
- Standard Chartered Bank of Canada Commercial branch – 1990s
- Central Guaranty Trust (acquisition of assets and branches) – 1992
- Waterhouse Investor Services – 1996
- Toronto–Dominion Bank and Canadian Imperial Bank of Commerce announced merger; however Paul Martin, then Finance Minister, declared the merger void as not in the best interest of Canadians[16]
- Newcrest Capital 2000 for $224 million (75% stock and 25% cash)[30]
- Canada Trust – 2000
- Stafford Trading and Letco Trading – 2002
- Laurentian Bank retail branches (Ontario-BC) – 2003
- Banknorth NA – 2005
- Commerce Bancorp – 2007 (this created TD Bank, N.A. due to naming issues)
- Riverside National Bank of Fort Pierce, Florida – 2010
- The South Financial Group Inc. – 2010 (full transition completed in June 2011)
- Chrysler Financial – April 2011[31]
- MBNA Canada's credit card business – 1 December 2011[32]
Corporate governance[edit]
- Bharat Masrani - President and CEO 2014–present
- John M. Thompson - Non-executive chairman 2003–present
- Frank McKenna - Deputy chairman 2006–present
Current members of the board of directors[33] of the company are: William Bennett, Hugh J. Bolton, John Bragg, Amy W. Brinkley, W. Edmund Clark, Colleen Goggins, Henry Ketcham, Brian M. Levitt, Harold MacKay, Karen E. Maidment, Irene R. Miller, Nadir H. Mohamed, Wilbur Prezzano, Helen Sinclair, and John Thompson.
Edmund Clark retired October 31, 2014, and was replaced by Bharat Masrani, who was previously President of TD U.S. Masrani will transition as TD Bank Group COO in 2013 and assume role as CEO when Clark retires.[34]
The title of Toronto–Dominion Bank's top executive has changed over the years. Initially it was styled as chairman. Later, it became chief executive officer and one often carried additional responsibilities as chairman of the board, while the second-in-command was the President. After the merger of the Toronto–Dominion Bank and Canada Trust, while Charles Baillie was chairman and chief executive officer of the combined entity, Clark was appointed President and chief operating officer which solidified him as the eventual successor to Baillie. Upon Baillie's retirement, Clark became the President and chief executive officer, as the bank decided to appoint John M. Thompson as non-executive chairman.
Past presidents:
- A. C. Ashforth, 1955–1960
- Allen T. Lambert, 1960–1972
- Richard M. Thomson, 1972–1978
- Allan J. Boyle, 1978–1981
- Robert W. Korthals, 1981–1995
- A. Charles Baillie, 1995–2000
- W. Edmund Clark, 2000–2014
Past Chairmen
- Byron S. Vanstone, 1955–1956
- A. C. Ashforth, 1956–1961
- Allen T. Lambert, 1961–1978
- Richard M. Thomson, 1978–1998
- A. Charles Baillie, 1998–2003
Past top executives:
- Herbert S. White, Executive Chairman (1960s–1970s)[35]
- Allen T. Lambert (1960–1972), Chairman and President
- Richard M. Thomson (1972–1978), Chairman and CEO
- Robert W. Korthals (????–1995)
- A. Charles Baillie (1995–2002), Chairman and CEO
- W. Edmund Clark, President and COO (2000–2002)
TDBFG is a member of the Canadian Bankers Association (CBA) and registered member with the Canada Deposit Insurance Corporation (CDIC), a Government of Canada agency insuring deposits at all of Canada's chartered banks. It is also a member of:
- Interac
- NYCE ATM network
- Plus Network for VISA cards
- VISA International
- Canadian Investor Protection Fund
The Toronto–Dominion Bank and its subsidiaries own the naming rights to the following venues:
- TD Ameritrade Park Omaha in Omaha, Nebraska, United States
- TD Arena in Charleston, South Carolina, United States
- TD Bank Arts Centre in Gloucester County, New Jersey, United States
- TD Bank Ballpark in Bridgewater, New Jersey, United States
- TD Bank Sports Center in Hamden, Connecticut, United States
- TD Garden in Boston, Massachusetts, United States
- TD Place Arena in Ottawa, Ontario, Canada
- TD Place Stadium in Ottawa, Ontario, Canada
- TD Stadium in London, Ontario, Canada
Credit agency ratings[edit]
After Moody's Investor Service downgraded the credit worthiness of Royal Bank of Canada to Aa1 on December 13, 2010, TD was the only of Canada's Big Five banks with a top Aaa credit rating (at the time CIBC was Aa2, Scotiabank Aa1 and Bank of Montreal was Aa2).[36] It is also ranked number 1 in the Top 1000 2012 listing.[37]
News outlets reported the bank's policy regarding ordinary Iranian-Canadian citizens, July 10, 2012.[38] Some one hundred personal bank accounts had been closed to this date, citing the recent ambiguous Special Economic Measure Regulation of the Canadian government. A family in Vancouver was forced to refinance a $250,000 house mortgage in 60 days to avoid foreclosure.[38]
A TD Bank document became the focus of a 2012 contempt hearing in Miami federal court. In a civil lawsuit against TD Bank, a jury found the bank liable for aiding alleged Ponzi schemer Scott Rothstein's $1.4 billion fraud.[39]
In 2015, the Canadian news website the Halifax Examiner reported that a Political action committee (PAC) established by TD Bank had donated over $50,000 to the campaigns of anti-LGBT rights politicians in the United States.[40] The article suggested that this was problematic given TD Bank's status as a sponsor of 41 LGBT Pride events across North America; TD Bank made no comment. In response to this article, on October 6, 2015 a motion was brought at the Annual General Meeting of Halifax Pride to sever ties with TD Bank if it did not provide a satisfactory response to the concerns; the motion was ultimately defeated.[41]
On March 10, 2017, the Canadian Broadcasting Corporation's (CBC) news programme Go Public reported that TD Bank employees had admitted that, under pressure to achieve sale's targets, they had increased customers' lines of credit, overdraft amounts, and Visa credit limits without advising them which is against the law. One TD financial adviser says she "invested clients' savings into funds which were not suitable, because of the SR [sales revenue] pressure". Another admitted downplaying the risk of products saying: "I was forced to lie to customers, just to meet the sales revenue targets." In an internal letter to employees, Andy Pilkington, executive vice-president of branch banking, wrote: "We don't believe the [CBC] story is an accurate portrayal of our culture," but the report provided an opportunity "to pause, reflect and ask ourselves ... how we can do better for our people and our customers."[42] The bank's stock lost 5.55% of its value on March 10, declining by $3.88 (Cdn) per share to close at $66.00 (Cdn).[43]
Branch locations[edit]
As of January 2014, TD operates the sixth largest branch network in North America with 1,100 TD Canada Trust offices and 1,300 TD Bank (U.S.) offices. While its network extends across Canada and the U.S. Atlantic coast, customers of either the Canadian and U.S. component are not able to perform a full range of transactions at a branch of the other component. It does allow an expanded range of transactions to customers who register their accounts for its Cross-Border Banking program.[44]
TD operates 2,800 ATMs in Canada and 1,900 in the U.S. for a total of 4,700,[45] and allows customers of either component to withdraw funds in the U.S. or Canada without Plus Network or Presto! transaction surcharges.
- All provinces
- Northwest Territories
- Yukon
United States
- Connecticut
- Delaware
- Florida
- Maine
- Maryland
- Massachusetts
- New Jersey
- New Hampshire
- New York
- North Carolina
- Pennsylvania
- Rhode Island
- South Carolina
- Vermont
- Virginia
- Washington, D.C.
- ^ a b "2014 Financial Statements and Notes" (PDF). TD Bank. 4 December 2013. Retrieved 2014-04-24.
- ^ "Corporate Information". TD Bank Financial Group. Retrieved 18 October 2017.
- ^ "TD Bank: Company Information". The Globe and Mail. Toronto. Retrieved 2014-04-24.
- ^ "TD Bank raises mortgage prime rate to 2.85%". CBC News. November 1, 2016. Retrieved April 9, 2018.
- ^ "TD raises prime rate for variable-rate mortgages amid federal rule changes". Toronto Star. The Canadian Press. November 1, 2016.
- ^ Mehmood, JahanZaib (11 April 2017). "The world's 100 largest banks". S&P Global. Retrieved April 9, 2018.
- ^ "Corporate Information". TD Bank. Retrieved 2015-08-07.
- ^ "About Us". TD Bank. Retrieved 2013-03-21.
- ^ "The Global 2000". Forbes. 21 April 2010. Retrieved 2013-03-21.
- ^ Yerema, Richard; Leung, Kristina (9 October 2012). "TD Bank Financial Group Chosen as one of Canada's Top 100 Employers, Ten Best Companies to Work For and Greater Toronto's Top Employers for 2013". Eluta.ca. Retrieved 2013-03-21.
- ^ "Ten Best Companies to Work For (2016)". Canada's Top 100 Employers. Mediacorp Canada Inc. Retrieved September 5, 2017.
- ^ Armstrong, Fredrick H. (1972). "Clarkson, Thomas". Dictionary of Canadian Biography, vol. 10. University of Toronto/Université Laval. Retrieved May 19, 2018.
- ^ "Historical Timeline—1871". TD.com. Retrieved 2013-03-21.
- ^ "Historical Timeline—1913". TD Bank. Retrieved 2013-03-21.
- ^ "Bank Note Series". Bank of Canada. Retrieved 2013-03-20.
- ^ a b Pound, Richard W. (2006). Fitzhenry and Whiteside Book of Canadian Facts and Dates. Fitzhenry and Whiteside. ISBN 978-1554550098.
- ^ "Statement of Significance for 762 Dundas Street" (PDF). City of London. 10 February 2011. Retrieved 2013-11-18.
- ^ "TD Waterhouse IPO proves popular". CBC News. 10 November 2000. Archived from the original on 4 June 2010. Retrieved 2013-03-21.
- ^ "TD Bank to take TD Waterhouse private". CBC News. 10 October 2001. Archived from the original on 1 April 2010. Retrieved 2013-03-21.
- ^ "E-Trade, TD Waterhouse Call Off Merger Talks". Los Angeles Times. Associated Press. 21 January 2004. Retrieved 2013-03-21.
- ^ Sidel, Robin (16 April 2010). "Canada Firm Acquires Three Failed U.S. Banks; Others Shut". The Wall Street Journal. (Subscription required (help)).
- ^ "TD Bank Group Acquires Bank of America Canadian Credit Card Portfolio". banknerd.ca. 16 August 2011. Archived from the original on 26 September 2011. Retrieved 2013-03-21.
- ^ "Your New Access Card". TD Canada Trust. Retrieved 2013-03-21.
- ^ a b "Who We Are". Symcor. Retrieved 2013-03-21.
- ^ Stemman, Roy, ed. (November 2010). "Nationwide cash service for world's second largest country". Value Solutions. Essex, UK: G4S. Archived from the original on 2015-05-07.
- ^ Mehta, Diana (8 April 2013). "RBC hiring practices under fire". The Chronicle Herald. Halifax, Nova Scotia. The Canadian Press.
- ^ Narendran S; Chandan Agarwala (2012). "Success Stories" (PDF). Tech Connect (4/5). iGate. Archived from the original (PDF) on 2013-06-25. Retrieved 2013-04-10.
- ^ Critchley, Barry (4 April 2011). "Bank-owned Symcor misses on timing". National Post.
- ^ "Who We Are". Xerox. October 4, 2012. Archived from the original on January 16, 2014. Retrieved 2014-01-14.
- ^ "TD Securities buys Newcrest Capital". CBC News. 7 November 2000.
- ^ Blumenthal, Jeff (1 April 2011). "TD Bank Financial completes purchase of Chrysler Financial". Philadelphia Business Journal. Retrieved 2013-03-21.
- ^ "TD buys MBNA's Canadian credit card business". CBC News. 15 August 2011. Retrieved 2013-03-21.
- ^ "TD Board of Directors". TD Bank. Retrieved 2013-03-21.
- ^ Paddon, David (3 April 2013). "TD Bank CEO Ed Clark to retire in November 2014, Bharat Masrani named successor". Yahoo!. The Canadian Press. Archived from the original on 9 April 2013. Retrieved 2013-04-03.
- ^ "International Credit on Capital Markets Now and in the Future". The Empire Club of Canada. 11 March 1971. Retrieved 2013-03-21.
- ^ Robertson, Grant; Perkins, Tara (13 December 2010). "RBC, Manulife hit by ratings downgrades". The Globe and Mail. Toronto.
- ^ "Top 1000 list". Report on Business. 28 June 2012. Retrieved 2013-03-21.
- ^ a b Kane, Laura (12 July 2012). "Iranian-Canadians furious over closure of TD Bank accounts". Toronto Star. Retrieved 2015-10-07.
- ^ "Controversial TD Bank form was clear on flagging fraud". South Florida Business Journal. 25 May 2012. Retrieved 2014-01-13.
- ^ Ward, Jesse (24 July 2014). "TD Bank: sponsoring Pride and politicians who are against marriage equality". Halifax Examiner. Retrieved 2015-10-07. (Subscription required (help)).
- ^ "Halifax Pride 2015 AGM Summary". Halifax Pride. 6 October 2015. Retrieved 2015-10-07.
- ^ Johnson, Erica (March 10, 2017). "'We do it because our jobs are at stake': TD bank employees admit to breaking the law for fear of being fired". CBC News. Retrieved April 9, 2018.
- ^ "Toronto Dominion Bank". The Globe and Mail. Retrieved March 10, 2017.
- ^ "Cross-Border Banking (US & Canada)". TD Bank. 14 January 2014. Retrieved 2014-01-14.
- ^ "Green Machine ATM". TD Bank. January 14, 2014. Retrieved 2014-01-14.
- Schull, Joseph, 100 years of banking in Canada: a history of the Toronto-Dominion Bank illustrated by Brad Smith. Vancouver: Copp Clark, c1958. ix, 222 p.: ill.; 24 cm.
External links[edit]
|Wikimedia Commons has media related to TD Canada Trust.
- Official websites
- TD stock profiles and quotes
- General
- S&P/TSX 60 Index
- Toronto–Dominion Bank
- Companies listed on the Toronto Stock Exchange
- Companies listed on the New York Stock Exchange
- Banks of Canada
- Canadian brands
- Companies based in Toronto
- Banks established in 1955
- 1955 establishments in Ontario
- Companies formerly listed on the London Stock Exchange
- Business process outsourcing
- Outsourcing
- Outsourcing in India
- Companies formerly listed on the Tokyo Stock Exchange
- Mortgage lenders of Canada
- Outsourcing in Canada
- Companies formed by merger


text:
Shane (1953) DVDr NTSC iso PTN classic iso net
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Name:Shane (1953) DVDr NTSC iso PTN classic iso net
Total Size: 4.03 GB
Magnet: Magnet Link
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Stream: Watch Full Movie @ Movie4u
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Shane.(1953) DVDr.NTSC.iso.PTN-classic.iso (Size: 4.03 GB) (Files: 1)
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text:
Caffeine & Conquer RPG podcast, ep. 15: Communication
Good morning, fellow adventurers!
Shadow of the Demon Lord on Bundle of Holding https://bundleofholding.com/presents/DemonLord
New edition of Warhammer Fantasy announced; Mike Mearls's home initiative system
Kickstarter/Community Spotlight:
Tall Pines: https://www.kickstarter.com/projects/1503244936/tall-pines-a-surreal-murder-mystery-roleplaying-ga?ref=user_menu
Side Quests: https://www.kickstarter.com/projects/sidequests/sidequests-easy-adventure-modules-for-5th-edition?ref=tag
Main Topic: Communication
Comic Strip AP: Tower Street Jazz
Contact us:
Twitter: Matthew - @AlwaysNevers
Nicholas - @NoChart_FGC
The Show - @CaffeineCast
email: firstname.lastname@example.com
Music for the Show:
"Cold Funk", "Impact Moderato"
Kevin MacLeod (incompetech.com)
Licensed under Creative Commons: By Attribution 3.0
"Blue Day" Free Stock Music


text:
Speaker:Mark Bornstein, VP Content Marketing, ON24, Inc.Moderator:Selma Avdic, American Marketing Association
You want your webinars to be the best — but what really goes into the best webinars? We looked at over 12,000 webinars to find out, and the results were surprising.
On Wednesday, September 6, 2017 at 11:00am PT, we're going to reveal ON24's "Webinar Benchmarks Report 2017." In this live, interactive webinar, we'll cover best practices and key industry benchmarks.
To measure success, you have to know what success looks like. Register now and learn the best practices for successful webinars.
130 E. Randolph St.,
22nd Floor,
Chicago, IL 60601
Tel:(800)AMA-1150 or
Back to Top
Copyright 2017 American Marketing Association. This site content may not be copied, reproduced, or redistributed without the prior written permission of the American Marketing Association or its affiliates.


text:
Dee Martin is a partner with PRG with 15 years of experience in government relations. She guides corporations, industry coalitions, trade associations and nonprofit organizations through the legislative, regulatory and public affairs aspects of government advocacy campaigns. Dee represents clients on a variety of issues, including energy, the environment, financial services and national security.
Her work includes regular advocacy and negotiations with the United States Congress and departments and agencies of the Executive Branch of the federal government. As an attorney, she assists clients in responding to agency inquiries and prepares and guides clients through Congressional investigations. She also testifies on her clients' behalf, prepares them for testimony before Congress and government agencies and provides policy-based support for organizations facing high-profile litigation.
Dee was named a "Top 40 under 40 Lobbyist" by Washingtonian magazine in 2011. She has also received national media attention as a co-founder of Minute Mentoring®, a women's leadership program.
Prior to joining the firm, Dee worked for a major nonprofit organization, focusing her advocacy efforts on women's equality issues. She was honored with the Ms. Foundation Women of Vision Award in 1997. At that time she was the youngest recipient ever to receive the award. Other recipients of this award have included Hillary Rodham Clinton and Gloria Steinem.
J.D., University of Virginia School of Law, 2001
B.S., University of Central Arkansas, 1994
"Top Lobbyist" list, The Hill, 2017
Champion of PR award, PRWeek, 2017
Women Who Mean Business Honoree, Washington Business Journal, 2011
Top 40 under 40 Lobbyist, Washingtonian Magazine, 2011
Legal PR Awards, Minute Mentoring, PR News, 2011
Women of Vision Award, Ms. Foundation, 1997
"Washington Political Update and Outlook," FBI Agents Association Annual Conference, Orlando, FL, July 2011.
"Mentoring and Women's Leadership," Minute Mentoring, New York, NY, April 2011.
"Women, Money, and Power USA: Women and Leadership," Feminist Majority and YWCA, Women Money Power Summit, Washington, DC, April 2011.
"The Importance of Mentoring in Today's Fast-Paced World," Minute Mentoring, Washington, DC, November 2009.
"Federal Funding for Women's Programs," Feminist Majority and YWCA, Women Money Power Summit, Washington, DC, April 2009.
Co-author, "President Signs Emergency Economic Stabilization Act of 2008," Bracewell & Giuliani Legal Advisory, October 2008.
"Legislative and Public Policy Priorities of the 110th Congress," FBI Agents Association Annual Conference, Scottsdale, AZ, July 2007.
"The Special Committee on Homeland Security: 2004 Annual Report," Environment, Energy, and Resources Law: The Year in Review, 2004.
Co-author, "Foundations, Sources, and Priorities of Homeland Security Law," Chapter 2, Homeland Security Law Handbook, Government Institutes, 2003.


text:
In ISA Server 2004 and 2006 there was a difference in the behavior of configuration changes between Standard Edition and Enterprise Edition.
In Standard Edition, the configuration change operation was synchronous. This means that applying the configuration completed after the new configuration was stored and loaded by the ISA Server computer (which was always the same computer).
In Enterprise Edition, the configuration change operation was asynchronous. This means that applying the configuration completed after the new configuration was stored to the configuration storage server (CSS). However, for the configuration to take effect the array members still had to read the new configuration from the CSS and load it.
In order to check if the configuration reload was completed, the administrator needed to check the configuration status tab in the ISA Server console, as in the screenshot below (taken from a Forefront TMG computer):
Making configuration changes synchronous
In Forefront TMG 2010 configuration change is by default asynchronous for both Standard Edition and Enterprise Edition.
Some people have asked to be able to change the behavior to synchronous, so that the administrator will know the configuration has been loaded by the TMG computers when the Save Configuration Changes completes.
In order to change the behavior, create a text file with the following information and import it into the registry on the computer where you are making the configuration changes (i.e. where the management console is):
Windows Registry Editor Version 5.00
Next time you apply a configuration change, a new step will be added to the progress bar in the Save Configuration Changes dialog:
This will make the dialog wait until the configuration has been loaded by all the TMG servers and only then finish:
Please note that by default, the dialog box will only wait for 90 seconds for the Forefront TMG servers to reload the configuration. This period can be configured by creating and setting a WAIT_FOR_RELOAD_SEVER_TIMEOUT_IN_SECONDS registry key in the same location -[HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\RAT\Stingray\Debug\UI].
Author: Ori Yosefi


text: In our foundation we have a great commitment with the new technologies. We consider them to be a vehicle necessary to reach groups of population that of another form we would not reach. To establish links further than physical space, to make the communication and especially the formation possible as much as possible are tasks which are within our reach and which we want to put into practice by means of Internet.


text:
Yesterday, a rumor surfaced indicating that Samsung was gearing up to announce the Galaxy S IV at Mobile World Congress and release it in March of next year. Today, Samsung took to Twitter to dispel that rumor leaving the Galaxy S IV launch completely up in the air.
Samsung took to its Samsung Tomorrow Twitter account and shot down the Galaxy S IV rumors before they spread any further. The company's message, which was posted in Korean, essentially states that the speculation surrounding the device is not true and that it's purely rumor.
The fact that Samsung took the time to dispel the rumor on an official social media page means that a launch in February and a release in March is unlikely.
This shouldn't come as too much of a shock as the Galaxy S III is still selling well. It also launched in July which means that a launch in March would be way ahead of a yearly cycle. In addition, Samsung now uses its own events to launch its devices and an announcement at MWC just didn't fit that mold.
So, now it looks like we'll likely have to wait until summer for the Galaxy S IV which is probably what many were expecting to begin with.
The rumored Galaxy S IV specifications may not be too far-fetched though. They stated that the device would feature a gigantic 5-inch display and come with 4G LTE speeds and some version of Android, likely Android 4.1 Jelly Bean, Google's latest.
All of those are certainly possible especially the 4G LTE and Jelly Bean. The Galaxy S III boasts a 4.8-inch display and it's possible that Samsung will boost the screen size of it with the next-generation model.
So, it now appears that those thinking about picking up the Galaxy S III can now do so without worrying about a fairly imminent launch of its successor.


text:
Five Things Your Emergency Plan Should Address
For most of us, one day does not look much different from the next. We wake up at the same time. We take the same route to work. Maybe we take a coffee break around 10 a.m., followed by lunch at noon.
At the end of the day, we take the same route home, only to do it all over the next day.
But what if something interrupts our routine? Not a traffic jam or a flat tire, mind you. Think bigger.
Fires, tornados, power outages and other emergencies can put your employees at risk and derail your business. In fact, about 40 percent of small businesses do not reopen after an emergency, according to the American Red Cross.
Texas Mutual encourages its policyholders to plan for tomorrow's emergency today. Emergency preparedness plans vary by industry, but they should all address these five things.
Assigning accountability
Strong leadership is critical during emergencies. Form a team of voluntary first responders (VFRs) that includes employees from across the company.
Team responsibilities can include helping create the emergency preparedness plan, continuously improving the plan, conducting hazard assessments, leading evacuations, delivering first aid and CPR, and using fire extinguishers.
To succeed, your VFRs need management's support. Give them the training and equipment necessary to do their jobs.
Texas Mutual VFRs are armed with bullhorns, emergency radios and vests identifying them as first responders. They also receive regularly scheduled training on infection control, CPR and first aid.
In 1911, a fire erupted at the Triangle Shirtwaist Factory in New York City. When the factory's only escape route collapsed, workers were trapped inside. Nearly 150 of them did not make it out.
Evacuation plans sometimes get derailed during emergencies. The Triangle Shirtwaist Factory accident speaks volumes about the importance of planning and clearly marking multiple evacuation routes.
Many businesses use alarms to alert employees they should evacuate. Your VFRs can facilitate the evacuation. Charge them with leading everyone, including employees with special needs, out of the building and to a predetermined location. Take a head count to ensure everyone got out safely.
During a natural disaster or an episode of workplace violence, you may not be able to evacuate. Make sure your employees know the procedures for sheltering in place.
Getting medical attention for victims
A high school basketball player collapses in the middle of the gym after a game. A school official goes in search of an emergency defibrillator, a device that delivers electric pulses in an effort to revive the heart. The official finds the defibrillator in a pile of unused athletic supplies, but the batteries are dead. The player does not survive.
Getting medical attention for victims is a priority during emergencies. Your VFRs might have to deliver first aid while you wait for the ambulance to arrive. It is crucial that first aid kits, defibrillators and fire extinguishers be clearly marked, easy to get to and in good condition.
Reporting emergencies
Seems simple enough, right? You pick up the phone and dial 9-1-1. During an emergency, however, we tend to panic. When we panic, we might have trouble doing everyday tasks.
If you stay calm when you call 9-1-1, your chances of getting prompt support increase.
Be ready to tell the operator the address where the emergency happened, provide directions if necessary and describe the emergency. Let the operator guide the conversation, and stay on the line until he or she tells you it is okay to hang up.
Getting back to business
Your employees' safety should be your priority during an emergency. Afterward, work toward recovering and returning to business as soon as possible. Here are some action items to consider:
- Form a business continuity team with representatives from across the company.
- Decide which functions must continue during the emergency and its aftermath.
- Identify employees who perform those functions, and make sure they know their responsibilities. Think about how they will do their work and where they will do it if you cannot immediately move back into the facility.
- Back up computer systems and data necessary to perform critical functions. Some companies choose to store critical data offsite.
- Develop manual workarounds for automated processes.
- Create a plan for communicating with critical vendors.
- Conduct emergency readiness drills.
Get more information
The federal government launched an emergency preparedness website at ready.gov. The site includes information on preparing your home and your business for an emergency.
Policyholders can also visit the safety resource center at texasmutual.com for an online video titled, "Disaster Readiness." The video is available in English and Spanish.
About 40 percent of small businesses do not reopen after an emergency.


text: Sequel to the popular thrillers 'Wild Things' and 'Wild Things 2'. Things get steamy in Blue Bay, Florida when Marie (Sarah Laine), a 17-year-old beauty, gets caught in a tangle of deceit and double-crossing after meeting the promiscuous Elena (Sandra McCoy), the 'new girl' at school. Elena is nothing but trouble, she teases Marie about her wealth and relentlessly flirts with Marie's stepfather, Jay (Brad Johnson). When Elena accuses Jay of rape with the intent of extorting money, she peaks the investigative interest of Kristen (Dina Meyer), a local, who campaigns for rape awareness in schools. Elena successfully extorts priceless diamonds that belong to Jay, but instead of freeing him from prison she proceeds with her rape charge. We learn that Elena, Marie and a local police officer, Chad (Ron Melendez), have been in on the scam from the get go. Will they get away with the perfect crime or is someone else behind this scheme?


text:
Just because wire photographers think Obama's speech from last night was the most serious thing ever doesn't mean that you can't have a little bit of fun at the photographers' expense. (Oh, and our congratulations to Brad Thor, whom is apparently an oft-read favorite over at West Point.)
A U.S. Army cadet shows off a book that he is reading entitled "Kill Bin Laden" as he waits with other cadets for U.S. President Barack Obama to deliver an address on the U.S. policy in the war in Afghanistan at the U.S. Military Academy in West Point, New York December 1, 2009. Obama is expected to announce a plan to send 30,000 more U.S. troops to Afghanistan over six months in a bid to beat back the Taliban and bring a quicker end to a costly and unpopular eight-year war. REUTERS/Shannon Stapleton (UNITED STATES POLITICS CONFLICT)
Tags: REUTERS shannon stapleton #DailyFodder
The photos I saw in the regular true media made it out that the reader of the Kill Bin Laden book just happened to be reading it BEFORE The One graced their presence and dictated their lives for ever more.
No simple coincidence.


text:
Play Full NH10 in HD FormatNow you can download full NH10 in high definition format with duration 115 Min and was published in 2015-03-13 and MPAA rating is 5.
- Original Title : NH10
- Movie title in your country : NH10
- Year of movie : 2015
- Genres of movie : Crime, Drama, Mystery,
- Status of movie : Released
- Release date of movie : 2015-03-13
- Companies of movie : Eros International, Phantom Films,
- Countries of movie : India,
- Language of movie : Español, हिन्दी,
- Durationof movie : 115 Min
- Average vote of movie : 4.4
- Youtube ID of movie : A9icNqWlylw
- Translation of movie : EN,DE,ES,FR,
- Actors of movie :Neil Bhoopalam (Arjun), Ravi Jhankal (Fauji), Darshan Kumaar (Satbir), Deepti Naval (Ammaji), Anushka Sharma (Meera)
Movie plot of NH10 :
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text:
The training wheels are off for Bud Dupree. Finally.
The Pittsburgh Steelers linebacker and former University of Kentucky star heads into Sunday's game against the New York Giants without any limitations, ending a patience-testing stretch in which the 2015 first-round pick missed training camp then underwent sports hernia surgery before beginning the arduous process of getting back into what coach Mike Tomlin calls "football shape."
The initial step came against Cleveland two weeks ago, when Dupree made it on the field for a single snap. The next came on Thanksgiving in Indianapolis, where Dupree picked up his first two tackles in nearly 11 months in a 28-7 victory. Dupree was in the huddle for 20 plays against the Colts, enough to unleash weeks of pent up adrenaline. And almost enough for Dupree to start lobbying defensive coordinator Keith Butler and outside linebackers coach Joey Porter for more playing time.
"I will but I try not to because I don't want to get on their nerves," Dupree said with a laugh. "Some people do it. Some people don't. I just don't get into it. I'm right beside (the coaches). If they put me in, they put me in."
And they're most certainly going to put Dupree in against the surging Giants (8-3), who have only surrendered 13 sacks all season. Pittsburgh needs to make Eli Manning uncomfortable if it wants to end New York's six-game winning streak, something the Steelers have struggled to do against good teams this season. Only nine of Pittsburgh's 24 sacks have come against teams with winning records.
"We want to get to the quarterback," Dupree said.
Dupree's return should help. He finished with four sacks as a rookie last fall, though all of them came over the first half of the season. He trimmed 20 pounds off his 6-foot-4 frame last spring and while he believes the hernia wasn't a result of trying to cut weight, he admits he was diagnosed after "working out too much."
Whatever the cause, Dupree insists it's behind him and in a way, he's relieved. Doctors told him the injury was bound to happen at some point. By taking care of it now, he's optimistic it won't come back to haunt him in the future. Either way, he's encouraged with the added explosiveness. He's not the only one.
"He's moving good," Butler said. "Is he moving faster? How fast you are only matters when you're playing on the field. So how fast does he play? He played at a pretty good pace the other night. So we'll see if he continues to get better."
Tomlin saw enough to lock Dupree into the four-man rotation at outside linebacker alongside seemingly ageless James Harrison, leaving Jarvis Jones, Anthony Chickillo or Arthur Moats as the odd man out.
"As Bud gets up to speed, somebody's going to win, somebody's going to lose," Tomlin said. "I don't care who wins. I think we all win if we play the hot hand and those are our intentions."
It's a spot Dupree is thankful to be in after being placed on injured reserve at the end of training camp and enduring a setback early in his rehab that threatened his entire season. It was the first time in his football life he'd been forced to sit and watch for an extended period of time. And it wasn't fun.
"I just tried to stay positive," he said. "But was it easy? No, it wasn't."
Dupree buried himself in the film room, and Butler believes the mental reps have allowed Dupree to quickly rise back up the depth chart. The goal now is to stay there. The way the Steelers move guys in and out of the lineup, he doesn't need to be ready for 60 snaps. If he's fresh for 40 or so, he thinks that will be enough to make an impact. He's not as big as he was a year ago. That's not necessarily a bad thing.
"It's not about that," Dupree said. "It's about being flexible, being bendable, being loose. I just want to go out there and ball."


text:
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Where to stay in NovajWhether you're planning to stay for a night or for the week, the area around Novaj has accommodations to fit every need. Search for hotels in Novaj with Hotels.com by checking our online map. Our maps display the areas and neighborhoods around all Novaj hotels so you can see how close you are from landmarks and attractions, and then refine your search within the larger area. The best Novaj hotel deals are here with our lowest price guarantee.
What to see around NovajSome recommended attractions include:
- • Matyo Museum
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- October-December: 7.95 inches


text: Eagle represents the bridge between heaven and earth. He is asking you to reconnect to your spiritual path. Turquoise is considered to be a bridge between Heaven/Sky and Earth, grounding us while still remaining open to Spirit. Many Native American cultures believe Turquoise helps to connect the mind to the infinite possibilities of the Universe.


text:
First aired as an ABC Movie of the week in March, 1973, Trilogy of Terror is an object lesson in the strengths and weaknesses of its format. It was intended partly as a showcase for Karen Black, who stars in each segment as a different character. If you don't know who Karen Black is, this is who she is. She's the one in the foreground. Twice. The guy in the background is, well - more later.
|Karen Black in 'Five Easy Pieces', 1970 - she was nominated for a Best Supporting Actress Oscar
The first story, 'Julie', begins with Chad, a ghastly college student. Chad (Robert Burton, who acts like a barn door with a Beach Boys haircut) makes a bet with his equally ghastly and plastic pal that he can seduce their dowdy English lecturer. Karen Black plays dowdy yet sexy rather well, but Chad is so appalling that it unbalances the story a little. You can almost smell the sweaty nylon, he's so Seventies in all the worst ways. Anyhow Chad 'seduces' Julie by drugging her at the drive in, then taking lots of candid shots of her in a cheap motel room. Did I mention Chad is vile? But there's a twist, of course. Trouble is it's kind of obvious, and the ending seems rushed, almost perfunctory.
But oh dear me, the second story, 'Millicent and Therese' depends entirely on a twist ending that is so bad, so obvious, that it should never have been taken off the page. In a short story it might just work. On screen it's ludicrous. In brief, Karen Black puts on a different dowdy costume to play Millicent, the pious twin sister of Therese the brassy blonde trollop. Things reach a climax and the big reveal is, well, feeble. As with the first story, this was adapted by William F. Nolan, so we can't blame Matheson for the actual script.
Nor can we blame him entirely for the ludicrous third segment, 'Amelia'. Adapted by the author from his story 'Prey' it begins well as a one-hander with Karen Black in an apartment. She talks on the phone to her mother and, later, the emergency operator, but no other actors take part. Amelia has only recently moved out and started to live alone, and has acquired a boyfriend. She buys him a gift - a doll of a tribal warrior. The doll, she reads in the handy leaflet, has a gold chain around it to stop the soul of the warrior animating it.
Oh dear, there seems to have been a mishap and the doll is running around trying to stab poor Karen. The doll manages to be laughable and rather racist at the same time while Karen's response to a two foot high would-be assassin is not exactly Sigourney Weaver. She overacts the screaming, panicky female idiot. So racism and sexism and sheer idiocy do somewhat mar the tale. Mind you, the final scene is worth sitting through the entire film for. Trust me. The whole thing is on YouTube.


text:
Information included on employment contract examples include wages, non-compete clauses, confidentiality agreements, benefits and whether the employee will be handling any of the company's social media accounts. Contracts should also include job duties, whether the employee works full-time or part-time and the hours they are expected to work.Continue Reading
Specifics involving employee wages include whether the employee receives a fixed sum, a specific dollar amount per hour or day, or if they will receive commission. It's possible to pay the employee with a combination of all three.
Companies that would rather not have employees work for their competitors for a limited amount of time if those employees quit might include a non-compete clause in their employee contracts. This clause might be tied to a confidentially agreement, which is intended to protect the employer's intellectual property. Such agreements should include the type of information employees need to keep to themselves, such as company secrets, inventions, products, discounts and future plans.
Employers who want to retain ownership of likes, followers, views and anything else resulting from social media accounts should make note of it on employee contracts. In addition to traditional benefits, such as health, dental and vision, employees should also note special company perks on employee contracts, such as day care, on-site dry cleaning and vacation days.Learn more about Applying & Interviewing


text:
Welcome to Search engine information service, we present various solutions and best experience, how to place website on the first page of Google, Search engine is the main entrance, because internet users can no longer memorize millions of websites, and as their gabel search results from Google, Yahoo !, Bing, and other search engines, There are various tips and tricks that we have presented for you on this simple website.
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You should also know that search engines generally do not seek direct benefits from organic search results. Their business revenues are derived from ads shown on the top or side of the organic search results. Companies that are less successful in implementing SEO strategies so that their website address is not in the top position in organic search results can still get visitors by advertising on the search engine. Without Advertising on Google, of course you have to work hard by studying the steps of optimization of your site at this time.
Thank you for visiting our site, With all the shortcomings of our site, of course we will receive various inputs and suggestions, so that the website that we manage now remains the best in reviewing and reviewing search engine articles, We are trying to collect various information tips and tricks seo with the best sources and of course we will share for you who have visited on this site.


text:
Maria Calvillo, 38, is charged with two counts of felony improper relationship with a student. According to court documents, she was a nurse's aide at Alief Taylor High School in Alief Independent School District when she had a sexual relationship with a senior.
The affidavit states Calvillo sent sexually explicit text messages and Facebook messages to the 12th grader, which were discovered by the student's mother in October 2012.
In an initial interview in October, Calvillo reportedly told investigators with Alief ISD police that her conversations with the student, which she held under a fake name on Facebook, started as simple conversation and turned into "somewhat sexual kind of discussions," court documents state.
She initially denied having sex with the student, but officials say she later provided additional details about their relationship, including physical contact on two occasions. They reportedly had sex early in the morning at the school, the affidavit states.
The student was interviewed and confirmed the relationship, according to court documents.
Calvillo was in jail with bond set at $10,000 for each count. She appeard in court Tuesday morning.
It's unclear whether Calvillo is still employeed by Alief ISD. Please stay with Eyewitness News and abc13.com for the latest on this story.
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text:
Pretty Ricky Tickets
Pretty Ricky is a R&B/Hip-Pop group from Miami, Florida. Band members include
Diamond Blue "Baby Blue" Smith, Spectacular Blue Smith, Corey "Slick'em" Mathis and Marcus
"Pleasure" Cooper.
Pretty Ricky's debut album, Bluestars, was released in May 2005 and featured the hit U.S. top ten single, "Grind With Me". Other singles from the album included "Your Body", "Nothing But A Number" and "Juicy". In 2005, Pretty Ricky joined other acts including Bow Wow and Omarion on the Scream Tour. Once again in 2006, Pretty Ricky joined the Scream Tour roster along with headliners Ne-Yo and Omarion. They also released their first single from their sophomore album Late Night Special (2007) entitled "On the Hotline". Order your Pretty Ricky Tickets online today!
Pretty Ricky Tickets available now! ShowTime Ticket Services specializes in tickets for all tour venues.


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Technical equipment of the Department
Our laboratories are equipped to support synthetic chemical experiments as well as engineering experiments. In addition to laboratories suitable for synthetic (organic) chemistry and even reactions under inert conditions the institute has several fume cupboards for pilot plants.
Special processes with toxic or explosive media or high-pressure techniques are examined in an autoclav rooms. The appliances are equipped with computerized data acquisition and are hooked to the computer network of the institute. Some reactors can be fully automatically operated continuously for long-term tests. In addition to the online analysis the institute has the ability to perform many types of analysis with offline-devices, e.g. DTA, CHNSO elemental analysis of solids/liquids, SN elemental analysis of liquids, GC/FID, GC/MS.
Each laboratory is equipped with automatic gas detectors for CO and the ignitable gases hydrogen and methane (natural gas) with central and local monitoring. The autoclav area is additionally monitored by surveillance cameras.


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Singer-turned-TV personality Kelly Osbourne was hospitalized on Saturday night (05Nov11) after suffering a head injury.
Ozzy and Sharon Osbourne's daughter had been partying in Miami, Florida over the weekend, but her night was cut short when she took a hit to her skull in a mystery incident.
In a post on her Twitter.com page on Sunday (06Nov11), she writes, "I just want 2 (sic) thank all the incredible doctors and nurses @ Mercy hospital in Miami 4 (sic) taking such good care of me u (sic) guys really are amazing!"
Kelly has refused to go into detail about the accident and has instead instructed fans to tune into her mom's. chat show The Talk on Monday (07Nov11) to hear all about it.
She continues, "Long story short I cracked my head open then kept passing out I have the all clear my mom came 2 get me 4 full story watch the talk tomorrow".
But that's not Osbourne's only health woe - she was recently diagnosed with bronchitis after coming down with a sore throat shortly before her 27th birthday on 27 October (11).
She recently tweeted, "The antibiotics im (sic) on are kicking my a** i feel like im walking around with weights on my ankles & wrists!
"I tried all natural i hate taking antibiotics but according to my DR (doctor) i almost gave myself pneumonia! i have really really bad bronchitis!"


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Mark Lipczynski My last name is pronounced, "Lip-chin-ski."
Arizona-based photographer Mark Lipczynski makes delicious-looking food photographs, both in his personal work and for the magazine he co-created, Bite. Lipczynski draws inspiration from "the parallels of art and life," and likes to look for the hidden details that can be found in ordinary scenes.
Lipczynski's personal photographs and work for Bite reflect how food photography can do more than just showcase a delicious meal. Lipczynski's background in photojournalism helped him learn how to tell stories with his pictures. One of his signature methods is to pair images. He tells PDN via email, "sometimes two pictures together tell a more complete story better than one stand-alone image." His diptychs all share a common element, whether it's a similar color palette, tonality, mood or style of food. Lipczynski works with a consultant, Peter Dennen of Pedro+Jackie Photo Consultants, to edit his work and pair the images.
The photography in Bite combines Lipczynski's passion for food and storytelling. He and his partner, Michelle Jacoby, work together to educate readers on the emerging food scene in Arizona. Their food magazine is the first of its kind in Arizona and highlights many new and reinvented bars and restaurants.
– See more at: http://potd.pdnonline.com/2014/07/27751#sthash.NjWHSeFM.dpuf


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Few emerging technologies have grown as fast as unmanned aerial techniques — that's quadcopters and drones, needless to say. Due to this, more people now possess one of the RC automobiles than in the past. Beyond a drone skill to become a remote controlled toy for grown-ups, its future value lies using its possibility to get movie and beautiful photographs. Several customers have bought versions equipped with onboard cameras or camera (or Go-Pro) supports.
But only because your drone may shoot movies and pictures don't suggest you'll be Quentin Tarantino or another Ansel Adams. There's method behind choosing the right-angle, mounting a picture that is good, as you whiz along overhead and panning across a landscape.
Understanding that, we chose to the job of laying the principles for drone lovers who should maximize any aerial blast out. Past the fundamentals — understanding the best way to correctly repair articles in postproduction, and studying the book of instructions added to that fresh UAV — we'll demonstrate that there's more to nipping 2 or a great picture than playing with a few joysticks. Below is our guidebook on the best way to correctly make use of quadcopter or a drone to get movie and photos. Study it. Understand it. In the end, you must keep that fresh battery occupied while getting anyway?
Be one with your drone
This could be a primer about the way that is best to make use of a drone for picture taking, but the point that is starting strongly related anybody who possesses an aircraft that is un-manned. As you unpack your recently acquired, remote-controlled pal that is, completely see the documentation to entirely understand the ins plus outs of that which it will and what it's. As an example, is it true that your drone possess a pre-set collection of moves? Does it have a "follow way is "ed by me? Does its enclosed digicam (or camera mount) mechanically support each photo and correct for large wind? Till you completely comprehend what it may do, movie or any planned photos is not going to prove how you would like.
Also, it's shrewd to sign a long time just flying you're — possibly where you intend to take or in a place that is open — to reach an increased consciousness of your plane. Operate it with its whole set of motions, get a notion of the length of time the battery lasts, and exercise by hand fixing the cam's message if accessible. At traveling the craft, the greater you get, the greater you'll record a movie or be in regards period to click pictures. Basically.
If capturing pictures and movie is priority number one on your drone, you wish to ensure it's decked-out with all the add-ons that are needed to get the task completed. Right from the start, this signifies discovering a drone that possibly comes standard by having an onboard camera or comes with an attached "gimbal" (a rotating mount) effective at taking a Go-Pro, a small digital SLR, or a different offer. It's additionally crucial that you seek out an airplane that features a realtime movie feast upon its control or via a smartphone that is compatible. This permits one to see to enable you to put in place photographs with better simplicity, precisely what your drone recognizes.


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Is this any way to treat a $7,500 handbag?
We bring you an incident from the parking garage at the Bal Harbour Shops - where after a dispute over a parking space a woman whacked another with an orange Hermes Birkin bag.
Did we mention there is a waiting list for these bags?
The three-page police report details the parking lot squabble.
The victim was trying to pull into a parking space when a white BMW cut her off and nabbed the spot.
The woman got out to talk to the space stealer.
That's when a woman - possibly with a Russian accent - hit her across the face with the Birkin bag and exclaimed "I can do whatever I want, b----, I'm beautiful.''
A man carrying a large Louis Vuitton bag accompanied with the woman (who wore a black dress, black scarf and dark sunglasses).
After the two suspects went inside Neiman Marcus, where they were caught on security camera, making a purchase at the Louis Vuitton counter.
Police are still looking for the duo, and want to charge the woman with simple battery.
Thanks to editor Gail Epstein for the tip.


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Are you a 'wood type' and nothing is more nicer to you than being busy with brittling woodblocks or do you prefer the ease of a hole in the wall gas fire?
And what kind of model or shape will you choose? Also as far as the style and size there are many possibilities: from stylish classic up to modern industrial, from Extra Small to XXL. The Heater Selector offers a solution.
Webdesign and Internetbureau Omines Eindhoven


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Lil Boosie Released Early From Jail After 5 Years
It's time to celebrate — but not too hard — for Lil Boosie. The 31-year-old rapper was released from prison on March 5 after serving for five years!
Lil Boosie, whose real name is Torrence Hatch, was reportedly released from a Louisiana State Penitentiary, where he has been since 2009, after he was charged with third degree possession of Marijuana. While the rapper was set to be behind bars for another four years, he was released on March 5, and will be on parole until 2018.
Lil Boosie Free — Released Early From Jail
We're not sure what it is, but Lil Boosie must have been doing something right! According to TMZ, the rapper caught a major break!
Lil Boosie Released From Jail: Fans Show Major Love For Him On Twitter
Boosie is no stranger to legal battles. After his initial arrest in 2009, he was allegedly caught trying to smuggle drugs into jail, which upped his time behind bars from four years to 13. However, his team was ready to fight the charges, claiming that a drug ring had set him up.
In 2010, he was accused of murdering Terry Boyd, but he plead not-guilty and in 2012, was found innocent.
After years of back and fourth, it was reported that he would be free in August 2014, but that his brother (who is also his manager) was pushing for February 2014. Well, it didn't work for February, but what's a few more days into March?
Lil Boosie: Daughter Raps About Dad Being Home — Watch
Boosie Has Written '500 Songs' In Prison
In 2013, Boosie spoke with Spin magazine (they sent him questions and he responded via mail) about his time in prison, and how when he got out, his music would be better than ever.
"I've coped by knowing in my heart that I'm someone special who many people love," he told the mag. "If you lose hope in yourself, you'll make your time hard. I always felt that my mission wasn't complete. I feel I haven't reached the star power that was destined for me. That makes me keep writing and thinking of ways to better myself as a man and artist. When it feels like the world is on my shoulders, I look at my pictures from when I was free and it gives hope and determination to pushing."
One of the thing he hopes — that his music helps the younger audience, since he has three kids of his own.
"The state painted my music wrong," Boosie said. "My music is violent, but not all of it. I have songs about God, my kids, and telling other people's kids to chill out and go to school and do right. My violent music helps most kids avoid that street life because it scares them. My fans aren't blind to the consequences."
And now that he's a free man, we can expect new music very soon!
"I have about 500 songs at the moment. I'm ready to get in the studio with the best producers. I feel that I'm making the best music I've ever made," he said. "The more I go through in life the better my music gets and it's been crazy the last three years. I keep my music heartfelt and stick to making real music. I wouldn't even say it's hip-hop music. My music is 'reality rap.' Hip-hop music can make you dance and bob your head, but it can't make you cry or touch your heart like reality rap."
Are you happy that Lil Boosie is a free man HollywoodLifers? Are you excited to hear his new music? Let us know!
— Emily Longeretta


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Powers International LLC owns a patented end-to-end chain of custody solution called the Powers Secured® System
The Powers Secured® Chain-of-Custody Patent (US 7,154,390 B2) and Its International Application of the Authorize Person in Security and Trade Facilitation
Since 9/11, the movement to secure the global supply chain has been increasing, not just in the United States but also around the world. Consistent with all these international and U.S. movements in looking at security from stuffing the container at origin by verifying its contents and monitoring its environment to destination, Powers International developed a patent now issued in 36 countries that incorporates the Authorized Person and its related electronic function by embodying it into the new "chain-of-custody" process for securing the international supply chain: the Powers Secured® System (PSS)Chain- of-Custody Patent (US 7,154,390 B2).
Consistent with all these international and U.S. movements in looking at security from stuffing the container at origin by verifying its contents and monitoring its environment to destination, Powers International developed a patent now issued in 36 countries that incorporates the Authorized Person and its related electronic function by embodying it into the new "chain-of-custody" process for securing the international supply chain: the Powers Secured® System (PSS)Chain- of-Custody Patent (US 7,154,390 B2).
Significant Patent Features
Its significance is that it is a utility or process patent which incorporates the following elements as among its 35 claims.
There are other features allowing the inclusion and carriage within the container's container security device (CSD) logistics data describing the cargo. In addition to benefit of knowing the identity of the actual person who verified the contents of the shipment, the Powers Secured® patent also provides information on the shipment, itself. The data key, whether a card, cell phone, or electronic key designed by the shipper for use in global or domestic shipping can have data corresponding to the shipment contents which are entered into the CSD within the container or trailer at the same time the identity of the authorized person enters his or her identity via the data key system used. Though this activation code the container, itself, carries these logistics data on the shipment and its intended movement. This allows the authorized person at destination to also know electronically what was actually shipped from origin regardless of any paper documentation used for Customs or other purposes.
To communicate data corresponding to the contents of the container, a configured activation/data key can show in addition to the cargo and quantity, the transport container number of the container carrying the cargo, the cargo's manifest, the name of the vessel, the nationality of the vessel, the port of loading, estimated time of departure, and even voyage number. Analogous data can be compiled for other types of transport containers, such as trailers, railcars, transport containers traveling via air, etc.
In summary, the patent through its Claims 9, 15, 16, 18, 34, 35 provides for the use of data corresponding to the contents of the container and manifest, booking, or other data connected to the shipping container's identity and voyage. The patent makes it clear that these data are able to be communicated and received at origin, destination, or during its voyage to destination.
What This Patent Becomes and Solves
World Wide Compliant with Regional Customs Programs such as
Compliant with International Standards
a) Automated Manifest System (AMS)
b) Automated Broker Interface (ABI)
c) Automated Export System (AES)
d) Automated Commercial System (ACS)
PSS Legal Benefits as a Chain-of-Custody Managed Global Supply Chain
Containers equipped with the Powers Secured® System provide the electronic equivalent of a receipt showing evidence of contents and evidence of shipping. The evidence is provided through the use of any one of many specialized electronic entry techniques usable only by a designated authorized agent at the point of origin. Similar to the law enforcement officer collecting evidence, that authorized agent of the shipper who verifies cargo and quantity and arms and seals the container is electronically officially identified as the Authorized Person becoming the first link in the chain. At the time the electronic data device, with or without biometric information, is activated at stuffing, there is a data transfer of logistics and booking information agreed upon by the shipper and consignee, to include information for CBP and other authorities as necessary into the smart container's hardware. Within seconds of the insertion, the activation of the system takes place. The identity of the accountable person verifying the cargo's accuracy, and any logistical data agreed upon, will automatically be sent transferred from the container by satellite or cellular communications. From that point on, the container will be treated as evidence in a crime scene. It will be monitored as to is location throughout the voyage, its access, even its internal environment if so equipped, all the way to destination where another Authorized Person opens, verifies and removes cargo. Any deviation from any form of monitored control will be reported by the container's security device (CSD) to a control center where it will be stored and available as Electronically Stored Information (ESI), now discoverable as evidence for both civil and criminal law enforcement action. Thus, the PSS provides:
Its Financial Benefits
Perhaps one of the most significant attributes of the Powers Secured® patent is its value in increasing the private sector's bottom line benefits. It is not an expense. It is an investment. The benefits of expedited shipments, alone, vary from $600 to $700 per container per move (Bearing Point Study, 2003); and $1150 per move (AT Kearney Report, 2006). Therefore, if a smart container costs you an additional $100 from origin to destination, and you save $1000 on the expedited treatment, what was the cost? Costs are associated with the loss or delay of cargo; diversions; increased insurance premiums; supply chain disruptions; increased labor to reship or replace the cargo; business downtime; loss of seasonal promotions; or the costs of the sale. Benefits include minimizing financial risks, reduced inventory carrying costs, protection against counterfeiting; reduced or eliminate diversion costs, reduced out of stock, and reduced insurance costs.
A Stanford University recent study revealed that quantifiable benefits of security controls and technology included:
Other sources offer different, but compelling, benefits to using smart container technology to include the U.S. Congressional Budget Office, in March 2006. In the 2006 A.T. Kearney Report, respondents stated that "…they need real-time data for accurate visibility into their supply chains." Since accurate data may not exist within the current logistics industry, smart boxes can provide accurate and sometimes missing data deemed important to shippers. The report further revealed that the U.S. Department of Defense is now utilizing smart, but not the smartest containers have "…reduced overall losses (military supplies) to less than 8 percent." There is a favorable bottom line to using smart boxes based on speed alone. The A.T. Kearney, Bearing Point, Stanford, and Congressional Budget Office all, in one way or another acknowledged that control and speed through the supply chain, and especially through ports, pay off.
A Summary of Some Technical Applications, Features, Attributes and Offerings of the Powers Secured® System Depending Upon CSD Design, Capabilities, and Capacities
Barchi Peleg-Gillae, Gauri Bhat, and Lesley Sept, Innovators in Supply Chain Security The Manufacturing Institute, Stanford University, July 2006, p. 4.
Smart Boxes, A.T. Kearney, July 28, 2006, p. 1.
Smart Boxes, A.T. Kearney, p. 2.
PSS Benefits to the Shipper
PSS Benefits to Consignee
PSS Benefits to the Carrier
PSS Benefits to CBP


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Willy Vandeperre lenses a stunning new season campaign starring an actress, the city of Milan and a vanguard new collection
Inspired by the art of holiday packing - it is a resort collection after all - Prada's Resort 2017 campaign sees Jessica Chastain wandering the stately streets of Milan and its most iconic landmarks including via Daniele Manin and Fondazione Prada.
Stripping back the whimsical, hyper-colour collection of the runway to its most elegant bones, the campaign is arguably one of Chastain's most cinematic roles yet.


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LONDON — Britain announced plans Tuesday to finance a new generation of nuclear power plants and renewable energy facilities in a move that illustrates divergent energy policies within the European Union as it grapples with the challenge of reconciling economic and environmental objectives.
While Germany intends to phase out nuclear power and France's new president, François Hollande, aims to reduce his country's reliance on it, the British government appears to be moving in the opposite direction with its proposals, aimed at luring investment of £110 billion, or $175 billion, to build new reactors and renewable energy plants.
The 27-member European Union sets climate change targets and co-ordinates efforts to reduce energy dependency, but decisions on energy sources remain with national governments.
Britain's proposals appear to be drafted to sidestep E.U. restrictions on state aid that might prevent direct subsidies for the construction of new nuclear power plants. Instead the plans, announced in draft legislation by the Department of Energy and Climate Change, would guarantee prices for low-carbon electricity and pay producers for backup supplies when renewable sources like wind power fail to meet demand.
Britain hopes that this guaranteed price, to be paid by businesses and consumers, will secure the financial commitment from energy utilities to construct nuclear reactors and clean-power projects needed to meet European targets and reduce Britain's reliance on natural gas plants.Continue reading the main story
Recent developments suggest that could be a tough battle. In March, Britain's nuclear program suffered a serious setback when two German companies, RWE and E.On, announced that they would not proceed with a £15 billion joint venture in Gloucester. The energy giants balked at the huge capital costs involved, blaming the economic crisis and arguing that the German government's plan to phase out nuclear power had put additional pressure on their balance sheets.
According to British news reports, Centrica has threatened to pull out of a project to build a new nuclear power plant at Hinkley Point in Somerset in a joint venture with EDF Energy, the British subsidiary of the French giant EDF.
To add to the difficulties, the main architect of Britain's energy policy, Chris Huhne, quit the government in February to fight charges that he perverted the course of justice over a speeding offense in 2003.
His successor, Edward Davey, said Tuesday that new plans were in the national interest and would support as many as 250,000 jobs.
"By reforming the market, we can ensure security of supply for the long-term, reduce the volatility of energy bills by reducing our reliance on imported gas and oil, and meet our climate change goals by largely decarbonizing the power sector during the 2030s," Mr. Davey said in a statement.
That formulation hinted at a less ambitious timetable for reducing carbon emissions than that proposed by the British government's independent advisory body, the Committee on Climate Change.
The proposals have intensified debate over the cost and safety of nuclear power after the Fukushima disaster in Japan and the decisions by Germany and by Switzerland, which is not in the European Union, to phase out nuclear reactors.
During the recent presidential election campaign, Mr. Hollande suggested reducing France's dependence on nuclear power from around 75 percent to around 50 percent and shutting 24 of France's 58 reactors by 2025.
Critics attacked Britain's determination to renew its nuclear capacity. "This proposal has distorted policy in order to try to disguise the massive subsidies nuclear will need, but they remain so huge that the policy will fail anyway," said Tom Burke, a former environmental campaigner and visiting professor at Imperial and University Colleges, London,
Industry reaction was far from euphoric. In a statement, Volker Beckers, chief executive of RWE Npower, said the investment required would add up to around £8,000 for every household in Britain.
"For Britain to remain an attractive market for investors, energy policy must be given adequate priority and resource across government," he said.
"I remain concerned by the amount of change being implemented in the energy sector and the time it is taking," Mr. Beckers added. "I applaud government's appetite for reform, but pulling so many levers at once in such a complex area risks losing sight of your original objectives. What the energy sector needs now is simplicity and clarity."
Nuclear power stations currently produce around a third of the electricity and 15 percent of the energy consumed in the European Union, according to the bloc's executive, the European Commission.
In Britain, 16 reactors in nine nuclear power stations provided around 16 percent of electricity in 2010. But the government says that all but one of the existing nuclear power stations will have to be shut by 2023.
Within the European Union, there are 147 nuclear power reactors, according to unofficial data collated by European officials. A new unit is under construction in Finland and France, and two each in Romania and Slovakia. A further seven have been approved by the national authorities, with five or six planned but not yet approved.Continue reading the main story