text:
Right bus; Wrong seat Mastering the hiring equation Not too long ago, I was lamenting to my amazingly clever spouse that one of our employees seemed to need more assistance than the others. Her inability to grasp the big picture was creating difficulties getting the details right. It was frustrating for her and for me.…Read more
Change Where have you been? What are your plans for 2017? For many of us, the holidays are a time of celebration and the new year is a time of reflection – I'm no different. Thanksgiving was a fun-filled time of laughter and antics. The month of December promises to bring more of the same.…Read more

subset: commoncrawl


text:
December 22, 2011
September 22, 2011
It is so warm and humid out in NYC it almost feels like Florida today. So much for tomorrow being the first day of fall! The citrus palette in this feature by Debbie of Sugar Plum Designs fits perfectly with the weather. { Read More }


text:
Experience aquaculture at your fingertips. Grow fish, crabs, shrimps and seashells together with your money.
The seeds of mudcrabs are in danger of depletion. This is due to the abuse of catching seeds in the wild. The supply of crablets is still the current gap in the industry. Brox Fish Farm is bound to solve this problem. While production of polycultured mudcrabs, tiger prawns and milkfish are going on, research for seeds production will be conducted.
There are many ways to contribute in the development of Brox Fish Farm.
The easiest way is investing with bitcoin by buying Brox Fish Farm Coin in Waves DEX platform. While the IT infrestructure is still under development, Brox Fish Farm Coin can be bought in waveswallet.io in a pre-ICO price of 0.000005 BTC. The pre-ICO sale ends when the five million BXF is reached. Please contribute by purchasing Brox Fish Farm Coin in the Waves DEX platform.
You may also invest through PayPal if Waves DEX wallet seems too difficult. We would just create the Waves wallet containing the equivalent coins of the invested amount. The created wallet secret seed will just be sent through email.
Our mission is to responsibly improve the aquaculture industry and to close the gap
between the global supply and demand by using innovation and modern technology. We are taking responsibility in the restoration and preservation of nature in every reached territory.
It is our vision to ensure that food is on every family's dining table through increased aquaculture production and getting everyone involved in the aquafarming industry.
We believe that honesty leads to prosperity. It is the only value the organization and the world needs the most. As we grow, more values will be realized but this value will still be the the most important. At the end of the day, since the investors are our customer, honesty is our final product.
The farm is located just beside the town proper of Prieto-Diaz, Sorsogon.
Brox Fish Farm National HW, Maningcay de Oro, Prieto-Diaz, Sorsogon, Philippines
Monday - Friday: 9am - 5pm
Saturday: By appointment
Sunday: Closed


text:
Broadlands Academy from Keynsham among England's best as they prepare for
national schools' football final
· Broadlands Academy to contest national final as part of PlayStation® Schools' Cup Festival at Reading's Madejski Stadium
· Team competing for Under 15 Small Schools' Trophy on Tuesday 19th May
· Festival is the season finale of the PlayStation Schools' Cup, which is the largest collection of schools' football tournaments in England
Broadlands Academy from Keynsham will take to the hallowed turf of Reading FC's Madejski Stadium as they bid to win the countrywide English Schools' FA (ESFA) PlayStation® Under 15 Small Schools' Trophy.
Broadlands Academy U15s will be part of the three-day PlayStation Schools' Cup Festival, which runs from Monday 18th to Wednesday 20th May. They will face Blacon High School from Chester on Tuesday 19th May, with the opportunity to be crowned the Under 15 Small Schools' Trophy champions.
It is the second consecutive year that the Madejski Stadium has played host to the PlayStation Schools' Cup Festival, which last year saw over 5,000 spectators attend and watch this feast of schools' football. Hopes are high that this impressive figure can be surpassed this year and that even more friends, family and fellow pupils look to sample the carnival atmosphere with 15 schools' finals being contested across the three days.
Before their match, all of the competing finalists will get the chance to use either the home or away dressing room at the Championship side's state-of-the-art stadium as part of an authentic match-day experience.
Pupils from Broadlands Academy have been invited along to the event to support their friends and enjoy a number of activities including PlayStation®4 gaming experiences, free giveaways, half-time entertainment for spectators and live commentary for each game.
After being formed in September 2013, the partnership between PlayStation and the ESFA is now in its second season and has provided a boost to grassroots football and helped increase the engagement in competitive football for secondary school age categories.
A total of 19 PlayStation Schools' Cup competitions have been staged in the 2014/15 season and have involved nearly 2,000 schools and 100,000 participants from Under 12 to Under 15 secondary school age categories. Since its inception, each new school involved in the competitions have received a PlayStation Kit Bag, featuring a match day football, training bibs and supporters' flags to support their sports department.
Schools, players and parents can find out more about the project by logging on to the website: www.playstationschoolscup.com or www.facebook.com/playstationschoolscup
Broadlands Academy road to the final:
Round 1 - Bye
Round 2 – Somervale School 0-9 Broadlands Academy
Round 3 – Bridgwater College Academy 0-4 Broadlands Academy
Round 4 – Church Stretton School 1-3 Broadlands Academy
Quarter final – Broadlands Academy 6-0 Wolverhampton Grammar School
Semi-final – Broadlands Academy 3-1 Debenham CE High School
News > Latest Announcements >


text:
Summary: Sometimes things don't go the way they were meant to be... After a year of living in Florida with her Mom and Phil, Bella and her family decide to visit Charlie in Forks. While there Bella has dreams of what could have happened...and with the answers she wants, things are bound to change...
Chapter 1: Trust Me
"Bella? Are you all right?"
"I'm fine."
"Be careful."
"That's what I thought."
"How in the…" "How did you get over here so fast?"
"I was standing right next to you, Bella," "Just stay put for now."
"But it's cold," "You were over there," "You were by your car."
"No I wasn't."
"I saw you."
"Bella, I was standing with you, and I pulled you out of the way."
"Please, Bella."
"Trust Me."
As I got up from my bed I could still hear his voice… I had so many questions unanswered from all these dreams I had been having for the past week. Who was he? Where did he come from? Why was I having these strange dreams? It's a shame I could only hear his voice and not see him...
After I got dressed I decided to go downstairs. Usually I wasn't up this early on a Saturday, especially in the summer, but because of all the dreams I've been having sleeping in wasn't really going to work out well. Charlie had tried to take the day off but I told him not to worry and that since last Saturday he's taken many days off already to spend time with Phil, Renee, and I. So I decided that I would make him breakfast.
"Hey Bells, why are you up so early?" Charlie asked, while putting on his jacket.
"Uh…well, I thought I could make you breakfast…"
"Oh, no it's okay. But thanks, anyways. I'm just heading down to the station early, one of the guys said he'd pick up breakfast. So I'll see you tonight Bella!" Charlie said, while shutting the door.
After an hour of getting changed and a shower I decided to go for a walk. I Figured that I might as well get to know Forks more considering I was to spend three more weeks here. Though I was happy for Charlie and Phil…because they got to know each other more, and they both spent multiple hours fishing together with Billy Black. Meanwhile Renee would either go up to Seattle where they were staying in a hotel or mingle with some friends in La Push…who ever knew she had friends there?
I was just walking down a small street when I noticed a very tiny bookstore at the end of it…hmm… Maybe I'll just check it out for a sec… After all, I did need a new book. Once in the bookstore I went straight to the Romance section. They didn't have that big of a selection…then that's when I caught a glimpse of my most favorite books of all time, Wuthering Heights. I picked it up and debated weather I should get it or not. But then I decided no, because eventually I would need to try a new book soon. So instead I decided to linger around the Young Adult section. I picked up a few books that I might be interested in. But some of them didn't really catch my attention so I kept looking. Finally after thirty minutes of looking I found a book that seemed interesting enough to hold me over for about the next week or so.
While walking to the cashier I noticed a boy somewhere around my age staring at me. He had wonderful hazel…maybe even golden eyes, and tousled caramel like hair that your hands could practically swim in. His skin was the color of pearls being lit be the sun on a summer's day. Why would a guy like that want to stare at a girl like myself…maybe he's just confused. I mean if anyone should be staring that should be me! Oh! Wait, I am staring! Oh boy… I quickly walked the rest of the way to the cashier feeling a blazing blush making it's way onto my cheeks. While handing the Cashier the money I caught a quick glance at the boy and noticed that he was smiling at me. Oh…he had the most gorgeous smile ever…pearly white teeth and the edges of his lips shaping themselves into a crooked like way showing the way his teeth gleamed in the light. Ahhh……
Wha- OH!
"Oh! Sorry!" I said to the cashier crabbing the bag with the book in it and my change.
"Would you like your receipt?"
"Uh, no thank you." I said, tumbling my way to the door of the store. As I exited the store I could of sworn that I heard laughter coming from the inside but maybe it was just my imagination. Since I wasn't' planning on going home I thought about going to the park for a while. That sounded nice…I would finally get to relax, and even read my new book! On my way to the park, I noticed a car go by. It was a shimmering Volvo…Urg…I wish I had a car…I have to walk like three miles just to get to the park! The next thing I knew I tripped out from underneath myself and began falling down the pavement stairs.
"What the…oh…" I had just noticed that I had been walking down the stairs of another very small park…well more of a garden considering all you could do here was sit or walk around.
"Are you ok, miss?"
"Wha-" And there he was, the same beautiful boy-no god-that had entered my life no longer than five or ten minutes ago… He's just so gorgeous…I still wondered how I could resist the urge to touch him. Soon enough I found that I couldn't breathe. My breath was being sucked away by the breathing of the god that was now beside me. Then I saw that his palm was faced up and outstretched towards me, and I gulped. How long had I been positioned like this? It seemed like forever…then again I could melt away in those eyes for eternity…
"A-Are you ok? Are you hurt?" He asked with urgency.
"Oh! Uh…no I-I don't think so." I replied, blushing.
Suddenly he was looking at me amazed as if I had performed some kind of magic trick. Right when I was about to take his hand I noticed him flinch. Unsure, I moved my hand back slightly, thinking something was wrong.
"I-…Sorry." He said while taking my hand into his, and kissing it gently.
I felt myself blush even more ferociously from the gesture.
"My name is Edward, Edward Cullen." He said, entirely in a charming voice which sounded inhumanly soft…like laying on top of a velvet blanket with pillows, everywhere, surrounding you.
"Um…B-Bella Swan." I said, knowing he'd be all over me in a second about my last name, and on how he'd better get me home before the chief takes him out with his gun.
He smiled, "Bella…It's a pleasure to meet you."
What? Do I need to repeat my name again or something? But that smile… Caught up in the moment I sighed, and caught myself staring again as he helped me up.
"Do you need a lift?" Edward asked, still smiling that adorable crooked smile of his.
"Huh.… No I think I'll manage, thank you." I replied, starting to feel a little uncomfortable.
"Are you positive?" He asked, a little worried.
"Yes, I'm sure. I just fell… I mean, I do it all the time practically…" I said, whispering the last part.
"Ok, So I'll see you around." He said, turning towards his car.
Finally, I took in a breath, relived. Once I took a step forward there was a searing pain in my left ankle. I sucked in a short breath as I yet again fell to the gravel beneath me. All of a sudden Edward was by my side again when I could of swore he'd just got in his car.
"Bella, I think you twisted your ankle… Please. Let me take you to hospital." Edward Said, about to pick me up.
"But how did you?" I asked, stunned.
"How did I what?" He asked.
"You-You were just in your car…how did you-"
"Bella, I was still within three feet away from you." He said, staring blankly at me.
"No- I could have sworn that you had gotten in your car." I replied, annoyed.
"Bella, you fell pretty hard. I should probably get you to the hospital now." Edward said, while lifting me up and placing me in his car… Which happened to be the same exact silver Volvo that passed me about twenty-five minutes ago.
"Bella, trust me."


text:
News & Announcements for French and Italian
News & Announcements for French and Italian
- Jessica Nicholas (Ph.D., 2018) gives invited talk on language services and immigrant advocacy
- Deadline for application to graduate studies in French and Italian 3/14/18Deadline for application to graduate studies in French and Italian extended until March 14, 2018. For more information, click here: http://www.frit.illinois.edu/graduate/french/apply/
- Professor François Proulx and graduate students enrolled in the seminar "French 578: Marcel Proust" collaborated on the online exhibition Proust and the Great War (Part 2) on the website of the Rare Book and Manuscript Library.
- Students from Lyons Township High School get immersion in FrenchStudents from Lyons Township High School in La Grange, Ill., were special guests of the Department of French and Italian on Oct. 30. The busload of approximately 50 students was initially divided into groups to complete a scavenger hunt en français, under the supervision of Prof. Clay and Prof. Maroun. The scavenger hunt consisted of simple, but fun tasks using the campus environment, such as 'interview a French-speaking person', 'take a photo with some art work', 'take a photo with your French instructor' at UIUC, and so on. From there, the students were divided into three groups and in one-hour shifts participated in the following activities: * Tour of the UI library, guided by Paula Carns * Attended a French course at the entry point of the major (intro to grammar, cultural analysis, or oral expression) with one of the department's graduate teaching assistants; * While attending lunch catered for the occasion by Bevier Café, viewed a presentation on the French major and minor by Prof. Mroz, listened to the testimony of several senior or graduate French majors (Ashton Carter, Christine Pallon, Emilee McArdle, Marshall Janevicius), and discovered the myriad of employment opportunities that are available, post-graduation. Winners of the scavenger hunt received a copy of "M. Ibrahim et les fleurs du Coran," an award-winning novel by Éric-Emmanuel Schmitt, originally published in French, in 2001.
- U of I helping to digitize collection of Proust letters[Editor's note: This is an adapted story from AFP (Agence France-Presse), a wire service] The nearly 6,000 letters to and from the author of "In Search of Lost Time," one of the great masterpieces of western literature, are drawn mainly from the work of Philip Kolb, a University of Illinois professor. Kolb, who died in 1992, assembled and published all of Proust's surviving correspondence -- about 5,300 letters -- in 21 volumes between 1970 and 1993. Several hundred more letters have since been identified. Kolb estimated the size of Proust's correspondence at some 20,000 documents, but most were lost or destroyed over the years. Illinois joins French partners to digitize the collection, with collaboration from the University of Grenoble Alpes and the Institute of Texts and Modern Manuscripts. The project will first focus on 200 letters that Proust wrote related to World War I, with the goal of having them online by November 11, 2018, to coincide with the 100th anniversary of the end of the Great War. "That will allow us to have a first display, with a coherent set," said Francois Proulx, Assistant Professor French and Italian at Illinois. "We were not convinced that the letters from his youth were especially the most interesting to start out with," said Caroline Szylowicz, Associate Professor of French and Italian and the Kolb & Proust Librarian in charge of the U of I's Proust collection. Proust, who was frail and of poor health, did not fight during World War I. However, his younger brother Robert served as a doctor in the French Army, and the two exchanged letters during the conflict. The handwritten letters posted online will include a printed transcript of the document. "It helps decipher Marcel Proust's writing, which is not always easy to read," said Proulx. The website will also offer various links, including press articles of the time that Proust refers to him the letters. The goal is to eventually post all of Proust's correspondence online. Under Kolb's leadership, the U of I has acquired some 1,200 letters. Letters written by the French author are known to fetch tens of thousands of euros at auction. The university will continue to buy Proust letters, budget permitting, Proulx said.


text:
The Cambodian DancerSophany's Gift of Hope
|Daryn Reicherter
|Daryn Reicherter
**Winner of the Moonbeam Children's Book Award Silver Medal for Non-Fiction —Picture Book**
This beautifully illustrated children's book tells the story of a little Cambodian girl forced to leave her old world behind and find a new home in America.
In clear but simple language and vivid illustrations, this Cambodian children's story communicates a sense of the joy, sadness, injustice and triumph that lives on in young Cambodian Americans. It shows that it is possible to overcome great hardship, and that a single decision can do much to heal one's self and others.
The Cambodian Dancer is the true story of a Cambodian refugee—a dancer and teacher—who built a life in the US after fleeing the Khmer Rouge. She became a counselor to other Cambodian refugees and created a school of dance for children. Her gift of hope was to teach children in the Cambodian community the traditional dances of Cambodia so that young people growing up far away from the land of their ancestors would know about their culture.


text: indyspirits 46 Posted October 12, 2017 Backstory: On site we have a 2500 liter steam-jacketed mash cooker with wedge-wire bottom. Two drains -- one is a manifold style (a series of twelve 3/4" drains in a circular pattern to prevent wort from channeling through the grainbed) and the other a centrally positioned 3" triclamp drain for grain-in cooks. Agitator is top mounted to facilitate removal of WW false bottom. Facility has 2,500 gallon water/glycol reservoir chilled to 7° C ( 45° F). Our challenge is cooling. Currently we have a home-rolled "fold-back liebig" -- basically a tube in tube -- 2" copper over 1" copper. Total cost about $350 for just shy of 6 sq ft of cooling surface. It's neither fast nor the least bit convenient. My idea: TIG weld vertically oriented sections of 13/16" x 1-5/8" 304 stainless strut channels spaced approx 18" on the inside wall of the mash tun. Use stainless strut pipe clamps to hold 1 1/4" CSST gas pipe (plastic jacket removed). Terminate CSST with a MIP adapter for connected to glycol loop. Pump glycol through CSST to cool contents of mash cooker. The ID of the mashtun is about 5' 4" so circumference of 16.5 ft. I can pickup a 300' CSST roll for $1,050 which will get me 18 (ish) loops in the tun. If the tubing was smooth-walled that would be just shy of 100 sq ft of cooling surface area. Perhaps an increase of 25% due to corrugation?? Total cost will be around $2,000. What haven't I considered?? Backpressure? Cleaning issues? Interested in everyone's thought on this. Share this post Link to post Share on other sites


text:
Building on concepts learned in Restaurant Revenue Management, this course further explores the correlation between meal duration, occupancy levels and revenue. Learn how to create an optimal table mix and increase revenue by using formulas to balance occupation, reservations and meal duration.
Position your business for greater profitability by using formulaic approaches and time-tested methods to quantify demand and manipulate table mix.


text: Estrogen side effects because the body aromatises the steroid, Gynecomastia is a constant concern especially when the dosage is high. Water retention can also create a problem by causing the muscle mass to lose definition because of accumulated water and fat. This can be countered by taking an anti-estrogen with the steroid. Methandienone (Dianabol) can have androgenic effects such as oily skin, acne and abnormal hair growth. On the other hand, it has been known to accelerate the process of hair loss and balding. In women, it can create significant masculine effects such as the deepening of the voice and a growth on the face. People prone to these effects should seek a milder alternative such as Deca-Durabolin.


text:
Here's a link to some of Fred's photos that won't be used so you can view them here instead: http://frobbi.org/slides/lv1970/index.html .
Doug, who passed away on May 16th of 2012 was himself nominated for a Grammy in 1988 for his album "Hearetbreak Hotel", an album that was produced by his brother Rodney Dillard.
MORE ABOUT DOUGLAS FLINT DILLARD: http://dougdillard.net/bio/


text:
More Headlines
"Look, I don't want the west to come and save us. I'm not asking for the west to come invade Israel. I'm just asking it to stop supporting our oppression."↩ The Guardian
Restaurants are in charge of their own service. Either they know how long it takes them to serve a full meal or they don't.↩ The Guardian
See More From TMN


text:
- This event has passed.
IPA BLIND Taste Test with Prizes ALL LOCATIONS
April 21 @ 4:00 pm - 7:00 pm
We invited 4 Breweries to submit their finest IPA, and YOU are the big winner! Name the Beers in the Flight!! Blind taste test… guess which beer is which win a FREE Pint Glass and be entered into a Grand Prize Beer Basket drawing


text:
About Us
Our business model is based on offering a strong portfolio of our own brands and a versatile range of international partner brands as well as providing customers services, which utilize our production, packaging and logistics capacity.
In addition to the production, export and import of alcoholic beverages, our business operations include industrial products and services.
Our head office is located in Helsinki, Finland. We have a distillery in Koskenkorva village in Western Finland, an aquavit distillery in Sundsvall, Sweden, bottling plants in Rajamäki village in South Finland and Tabasalu municipality in Estonia, as well as warehouse facilities and offices in our home markets. We are also a notable cognac house with production and aging cellars in Cognac, France.
Our most significant clients are the Nordic alcohol retail monopolies, international alcoholic beverage companies, alcoholic beverage wholesalers, travel retailers, grocery stores, importers operating in export markets as well as domestic industrial clients.
We export alcoholic beverages to nearly 30 countries, most of which are in Europe, Asia and North America.


text:
Congressional candidate Ted Deutch is holding campaign events in Broward on Friday.
He'll appear in downtown Fort Lauderdale at the Democratic Professionals Council. Info here.
Staff Writer Linda Trischitta reports:
He will also hold a campaign breakfast Friday at Century Village in Deerfield Beach.
Deutch is seeking the seat that U.S. Rep. Robert Wexler will step down from in January.
The bagels and coffee are free at the event that is open to folks with any political affiliation, said Ashley Mushnick, deputy campaign manager for Deutch. Joining Deutch will be Florida Sen. Jeremy Ring, D-Margate.
Details: 10 a.m. to noon at the Century Village Activity Center, 3501 West Drive, at the Powerline Road entrance. For questions call Deutch?s campaign staff at 561-451-1115.


text:
wedding fayre at great barr hotel.
Victoria exhibited at another fantastic wedding fayre at the Great Barr Hotel hosted by Sparkling Day Events.
Another lovely day meeting lots of gorgeous brides and grooms to be with so many different wedding themes and styles! Victoria is looking forward to hearing from you all soon!
Happy wedding planning!


text:
THE England v Wales World Cup qualifier at Old Trafford on October 9 is a game football fans from all over the country will want to see.
The Premiership programme will be shut down for that day, of course. So too is the top division of The Football League, the Championship.
But the teams in Leagues 1 and 2 will be expected to play on as normal.
It's unfair on the clubs that will be staging matches on a day when there is a compelling counter attraction on TV, and it's unfair on the supporters of those teams who face the dilemma of whether to follow club or country for the day.
Fans of clubs like Tranmere Rovers are entitled to feel that football's governing bodies are telling them: "You don't matter. You're off our radar."
The shutdown of the Championship for the international weekend is a new step in the right direction but I can't understand why The Football League has left the programme for Leagues 1 and 2 in place.
Why choose Saturday when that is the established time for domestic club football and deliberately plan a clash of fixtures?
Supporters of Premiership and Championship clubs will be able to sit back and enjoy the England vs Wales game but the rest will be forced to make a difficult choice.
For me there is only one choice. I love watching England and enjoyed going to Lisbon for Euro 2004.
But there is no contest - if the choice is between Tranmere Rovers and England, I will want to see Tranmere play every time.
On the day of the England Wales game Tranmere have a League 1 fixture at Bristol City.
It may yet have to be postponed because we have international players who could be involved in games for their own countries on that day: Gareth Roberts for Wales, Ian Goodison and Theodore Whitmore for Jamaica, Iain Hume for Canada and Jason McAteer for the Republic of Ireland.
Clubs losing three or more players to international commitments are entitled to request a postponement and our home game against Oldham, scheduled for Friday September 3, has been called off for this reason and moved to Tuesday September 14. We won't have a game on Saturday September 4 when England play their next World Cup qualifier in Austria (7.30 pm kick off) but lots of other clubs in Leagues 1 and 2 have a usual Saturday fixture and travelling supporters will be forced to choose between watching club or country.
Tranmere and Wrexham illustrate that it is no longer so unusual for clubs from the lower Leagues to boast international players. This season at Tranmere we have international players from an ever expanding range of countries.
The game has never been more popular around the world and players are attracted to The Football League from Africa, Asia, the Americas and the expanded EU by the fact that they will be well paid to play in our domestic competitions.
I believe this strengthens the case for shutting down the entire League programme when there is a clash with international ties.
Ryan's touching moment>
CLUB chairmen rarely receive the affection of their supporters. I'm sure David Moores and Bill Kenwright know how lonely it can be at times.
Even Stephen Vaughan, whose investments in Chester City enabled the club to regain League status last May, recently became a target of the boo boys at the Deva Stadium. John Ryan has done a similar job in reviving the fortunes of Doncaster Rovers.
Before Doncaster's game with Tranmere last Saturday John was busy making presentations on the pitch.
Then the public address announcer informed the crowd that John had just got married and he and his new bride were attending the game as man and wife for the first time.
The couple stood up to a round of generous and warm applause that came from all around the ground.
It was a lovely family moment in the most unlikely of circumstances and I can't imagine it happening at many other clubs.
Community pays price>
BRADFORD CITY have now reached an agreement with creditors that should see them move out of administration. They are the last of the clubs to wriggle clear from the threat of going out of business over the past couple of years.
Like Oldham, Ipswich, Leicester, Wimbledon, Darlington, Notts County, Luton and others they somehow survived the crisis sparked by the collapse of ITV Digital at a time when some boards were paying out too much to players and agents.
But before anyone celebrates the resilience of those clubs, just think of those who paid a high price for it.
The non-playing staff who lost their jobs. The caterers, match programme printers and other suppliers who may have got 10p in the pound of what they were owed. Or nothing at all.
Oh yes, the football creditors were all protected and the players' wages could be deferred. But people in the communities around the clubs were not protected. They're footing the bill for the over-reaching ambition in the boardroom.


text:
If your mailing address has changed recently,
please submit the Property Owner Information Change Request
to the Bear Valley Springs Association as soon as possible.
Email the form to email@example.com, mail to our address listed below,
fax to 661-821-5406, or drop it off at the office.
CLICK HERE for the Property Owner Information Change Request.
Bear Valley Springs Association
29541 Rolling Oak Drive
Tehachapi, CA 93561
For more information, please contact
Kathi Chattin at 661-821-5537, extension 231
or email email@example.com.


text:
Miles in 2013: 744.61 miles
I really debated about running this morning, but the easy shake out run at sunrise was totally worth it. No music, all by myself with the moon and palm trees.
Very peaceful until I got home and became the hungriest human alive. I seriously had to stop myself from ordering 2 or 3 bagels post run. Three large beverages, a bagel, and fruit kept me satisfied until about 10ish. Marathon munchies, man. I am just going to go with it.
Now I just need to rest up for our 16 miles bright and early tomorrow morning. Happy Friday!


text:
Mealey's (October 4, 2016, 12:44 PM EDT) -- DALLAS — A Texas federal judge on Oct. 3 denied a motion by five plaintiffs in a DePuy Pinnacle hip trial to find the Texas punitive damages cap unconstitutional and to reinstate their $360 million exemplary damages award (In Re: DePuy Orthopaedics, Inc. Pinnacle Hip Implant Products Liability Litigation, MDL Docket No. 2244, No. 11-md-2244, Margaret Aoki v. Johnson & Johnson Services, Inc., et al., No. 13-1071, Jacqueline Christopher v. Johnson & Johnson Services, Inc., et al., No. 14-194, Donald Greer v. Johnson & Johnson Services,...
Reducing Punitives In Pinnacle Hip MDL Trial Isn't Unconstitutional, Judge Says
To view the full article, register now.
Try for FREE for fourteen days
Already a subscriber? Click here to login


text:
Main Menu
Our Reviews
Web Links
Privacy Policy
Hosted Sites
Downey Games
There are 141 unregistered users and 0 registered users on-line.
You can
log-in or register for a user account here
Other Stories
2017 Drag Racing Available
(Aug 01, 2018)
2018 World Cup Available
(Jul 17, 2018)
2018 College Baseball and Softball Released
(Jun 20, 2018)
2018 Ultra Quick Wrestling Released
(Apr 24, 2018)
RLB Classic 2018 NBA Released
(Apr 19, 2018)
POTG Basketball 2018 NBA Available
(Apr 19, 2018)
UQ Basketball 2018 NBA Available
(Apr 19, 2018)
UQ Hockey 2018 NHL Available
(Apr 11, 2018)
Final Score Hockey 2017-18 Universe Released
(Apr 11, 2018)
Downey Games 2018 Easter Sale Begins
(Mar 26, 2018)
Are the downloads gone for good
20. Aug
DK TV Pro Wrestling Federation
Derek Kraft
17. Aug
1971 Apba Golf
Derek Kraft
16. Aug
1972-73 Philadelphia 76ers with POTG Basketball
Jeff Nicholson
16. Aug
RLB 1976-77 - Random Game Results
01. Aug
2017 Drag Racing Available
Downey Games
01. Aug
More sad news
24. Jul
2018 World Cup Available
Downey Games
17. Jul
Downey Games
14. Jul
Final Score College Soccer & Final Score Socce...
Downey Games
14. Jul
[Access Forum]
Posted by: Downey Games on Aug 01, 2018 - 03:00 AM
2017 Drag Racing Available
Downey Games is proud to announce the release of the 2017 Top Fuel Dragster, Funny Car, Pro Stock and Pro Stock Motorcycle Year Books for Championship Drag Racing.
The 2017 sets include every driver to make a successful qualifying pass, all of the tracks rated by lane, a driver card to put yourself into the action, and a new optional shutdown set of charts that was created by Giorgio Salvadego.
The E-Book versions are available here: http://www.downeygames.com/catalog/index.php?main_page=index&cPath=5_15_123
The printed sets, which include die-cut driver cards, are available here: http://www.downeygames.com/catalog/index.php?main_page=index&cPath=1_16_122
Posted by: Downey Games on Jul 17, 2018 - 03:04 PM
2018 World Cup Available
Downey Games is proud to announce the release of Downey's Final Score Soccer 2018 World Cup Year Book.
As the name implies, this quick play game provides you with a final score for a soccer match. Allowing you to rapidly play matches and watch standings unfold before your eyes. However, there is more to the game than just generating scores. There is plenty of excitement and drama along the way, keeping the game play exciting and compelling. You will have late in the match goals, equalizers and fantastic saves.
Each team is rated individually for Offense, Defense, and Pressure situations at home and on visiting turf. This is not just a home adjustment. Each team is literally rated individually for home and away. This gives you a very accurate portrayal of the squad's true abilities. And while there will surely be some surprises along the way, since this is a game, the accuracy of the game will astound you.
The 2018 World Cup set features a schedule for the Cup, as well as every team that played a group qualifying match. That is correct, over 200 National teams are rated and will perform realistically. You are not limited to just playing the World Cup matches, you can play out the qualifiers if you wish. Perhaps you can change history!
The E-Books are available here: http://www.downeygames.com/catalog/index.php?main_page=product_free_shipping_info&cPath=5_76_173&products_id=4248
The Printed Year Books are available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=1_77_171&products_id=4247
Each version comes with everything you need to play. There are no game parts to buy.
Posted by: Downey Games on Jun 20, 2018 - 11:49 PM
2018 College Baseball and Softball Released
Downey Games is proud to announce the release of the 2018 College Baseball and Softball Year Books for Ultra Quick Baseball.
The E-Books are available here: http://www.downeygames.com/catalog/index.php?main_page=index&cPath=5_59_154
The Printed Year Books are available here: http://www.downeygames.com/catalog/index.php?main_page=index&cPath=1_58_153
Both year books contain every team in Divisions I, II and III,the NAIA, all the divisions of the National Junior College, and the CCCAA. The year books also include a strength of schedule system so that you can accurately match up any team across seasons or divisions.
Each team is accurately rated for their hitting, pitching and defense as well as how they perform when playing at home and how they handle pressure situations. The combination of these ratings gives you a very accurate picture of each team. In addition to the team ratings, we also provide you with a quick and simple method for normalizing teams across eras, as well as a strength of schedule system. So, you can effortlessly determine the best team of all time if you choose, without worrying about any biases.
As the name implies, the games play out Ultra Quick!
Posted by: Downey Games on Apr 24, 2018 - 02:54 PM
2018 Ultra Quick Wrestling Released
Downey Games is proud to announce the release of the 2018 Wrestling Universe for Ultra Quick Wrestling
The E-Book is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=5_12_108&products_id=4238
The Printed Year Book is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=1_3_104&products_id=4237
The 2018 Year Book contains 271 wrestlers (213 Men and 58 Women) , 51 Tag Teams, 6 Manager Cards & 12 Specialty Matches. With the 2018 year book, we have rated wrestlers from the WWE, NXT, Impact, ROH, and NJPW. Added to this Year Book is a list of venues for each organization to give your cards even more flavor.
A new feature for the 2018 Year Book is a new Tag-Team system that utilizes combined tag team cards. Not to worry, there is still a system in place to form your own tag teams using singles wrester cards.
Also added in this set is an all new "Flow" system to better represent how a wrestler controls a match. And don't worry, there are instructions to add the "Flow" system to all previous Ultra Quick Wrestling sets.
Posted by: Downey Games on Apr 19, 2018 - 09:57 PM
RLB Classic 2018 NBA Released
Downey Games is proud to announce the release of the 2018 NBA season for Real Life Basketball Classic.
Every player that appeared in an NBA game during the 2018 season is rated.
The Printed version comes in three different formats, a Team Rating sheet, cardstock cards and die-cut player cards.
The E-Book version is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=5_11_161&products_id=4236
The printed version is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=1_7_162&products_id=4235
Posted by: Downey Games on Apr 19, 2018 - 08:17 PM
POTG Basketball 2018 NBA Available
Downey Games is proud to announce the release of the 2018 NBA Season for Player of the Game Basketball.
The E-Book is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=5_11_117&products_id=4234
The Printed Year Book is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=1_7_114&products_id=4233
Re-live all of the excitement of the 2017-18 NBA season with Player of the Game Basketball, the quick play game that gives you individual player stats.
The yearbook includes ratings for the 2017-18 NBA season, a full schedule with real-life results and complete standings.
Also included with the 2018 Year Book is a quarter-by-quarter method of play. You get complete instructions for the new method, as well as a new game chart and new score sheet.
Posted by: Downey Games on Apr 19, 2018 - 01:42 PM
UQ Basketball 2018 NBA Available
Downey Games is proud to announce the release of the 2018 NBA E-Book for Ultra Quick Pro Basketball.
The E-Books are available here: http://www.downeygames.com/catalog/index.php?main_page=index&cPath=5_11_152
The ratings are offered as an E-Book, since they comprise of one printed sheet and the shipping cost for one sheet doesn't make a lot of sense. If you need a printed sheet, drop me an email, and we will work something out.
Ultra Quick Pro Basketball is really two games in one.
We offer you the familiar method employed in Ultra Quick College Hoops, which resolves a game in two rolls of the dice, and a quarter-by-quarter method, which closely resembles the method employed in Ultra Quick Hockey. The Quarter-by-Quarter method has provisions for "Big Games" as well as "Bad Games" and features a very unique and simple season normalization process.
We added the quarter-by quarter method as it provides a little more drama as the game unfolds, and only adds a slight bit of gaming time. The quarter-by-quarter method also allows you to play cross-era match-ups efficiently and accurately, with our season normalization ratings, so you can easily match-up teams from yesterday and today and get unbiased results.
Both methods are accurate and as the name implies, both methods play ultra-quick!
Each season has ratings for both methods of play.
Posted by: Downey Games on Apr 11, 2018 - 02:37 PM
UQ Hockey 2018 NHL Available
Downey Games is proud to announce the release of the 2018 NHL Year Book for Ultra Quick Hockey.
The E-Book is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=5_25_63&products_id=4231
The Printed Year Book is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=1_24_69&products_id=4230
Replay the 2017-2018 National Hockey Season with UQ Hockey.
The 2018 set includes 31 team ratings. The team "cards" include Offensive, Defensive, Home Ice advantage, Overtime, and Shoot Out Ratings. They also include every player to score a point in the past season. Individual goalies are also rated for their impact on the game.
With UQ Hockey, you'll be able to track not only Team wins and losses, but league leaders for Goals scored, assists and GAA.
Ultra Quick Hockey is a dual layered game. The first layer allows you to quickly resolve a contest between two NHL teams providing you with a final score. The second layer adds individual stats for goals and assists, without bogging down the game. As with many of our other Ultra Quick games you can easily play out a team's full schedule in a single sitting.
Posted by: Downey Games on Apr 11, 2018 - 12:11 AM
Final Score Hockey 2017-18 Universe Released
Downey Games is proud to announce the release of the 2018 Hockey Universe for Downey's Final Score Hockey.
The E-Book is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=5_25_178&products_id=4227
The Printed Game is available here: http://www.downeygames.com/catalog/index.php?main_page=product_info&cPath=1_24_177&products_id=4226
This set includes the following 38 Hockey Leagues for 2017-18:
NHL, AHL, ECHL, Federal Hockey League, SPHL, Alps Hockey League, Austrian Hockey League, British Elite, Ice Hockey League, Czech Republic League, Denmark Hockey League, Deutsche Eishockey League, Finland SM-liiga, Finland - Mestis League, Kontinental Hockey League, Slovakian Extraleague, Swedish Hockey League, Switzerland National League A, Swiss League, DEL-2, Sweden 1st Division, OHL, QMJHL, WHL, Alberta Junior Hockey League, British Columbia Hockey League, Central Canada Hockey League, Manitoba Junior Hockey League, Ontario Junior Hockey League, Northern Ontario Junior Hockey, Saskatchewan Junior Hockey League, Superior International Jr. Hockey League, NAHL, USHL, USPHL, French Hockey League, EHL, LNAH, National Women's Hockey League
Posted by: Downey Games on Mar 26, 2018 - 11:56 PM
Downey Games 2018 Easter Sale Begins
The Annual Easter Sale at www.downeygames.com begins today. Every order that enters the coupon code will recieve a 20% discount.
Simply enter the code "EASTER" (all caps with no quotes) in the coupon code box at checkout, and your 20% discount will be applied.
<< 1
User name
Log in Problems?
New User?
Sign Up!
Help Out Tabletop-sports.com
Help Out Tabletop-sports.com
Latest Reviews
Ultra Quick Wrestli...
Reviewed by: Edward R. Meek
World Cup Ski-ing
Reviewed by: Dave Arlington
World of Motor Raci...
Reviewed by: Dave Arlington
APBA Hockey
Reviewed by: Ron Nesbitt
SI Baseball
Reviewed by: Randy Cox
Fast Action Horse R...
Reviewed by: Bill Hild
4SS Football
Reviewed by: Clinton Paris
Latest Links
Spooky's Hobby Shop
Statis Pro Baseball Advanced Forum
The Baseball Games Forum
Crash Tackle - Rugby Union Sports Board Game
Retro Wrestling Games
Replay Baseball
Paydirt Utilities
Yardbird Games
TM Sports Games
The Gurus Famous Baseball Game
Past Articles
Wednesday, March 14
RLB 2018 NCAA Tournament Year Book Available
Monday, March 12
Player of the Game 2018 NCAA Year Book Available
2018 NCAA Available for UQ College Basketball
Sunday, March 11
Final Score College Basketball 2018 Available
Saturday, March 10
Two New Sets for Ultra Quick Baseball
Friday, February 09
4 Canadian Football Seasons Released
Thursday, February 01
NASCAR and IndyCar Year Books Released for Fast Action
Tuesday, January 30
POTG Golf 2017 Champions Tour Released
POTG Golf 2017 European Tour Released
Wednesday, January 24
Men's Legends released for UQ Tennis
Older articles
All logos and trademarks in this site are property of their respective owner. The comments are property of their posters, all the rest (c) 1998-2012 by Jeff Downey and Tabletop-sports.com
theme © by narodniki.com


text:
Picking up a hobby can make every day a little more interesting. Have you ever considered trying something new and turning it into a hobby? The tips below will be a huge help! If not, read this article anyway. It just might change your mind!
Reading can be considered an excellent hobby that many of us have taken up. What makes reading great is that it brings you into another universe. You are also able to read in any place you happen to be, so long as there's nothing too distracting. The endless types of books available make it certain that you will always have something you love close at hand.
Making music is a lot of fun. You will have to determine which instrument you love best. Just find a partner to train along with you, or find books and videos to help you learn. Take it slowly, practice when possible and you will be amazed by the results.
If your job leaves you feeling stressed and anxious, working at a hobby you enjoy can relieve some of that stress. Understand that hobbies do not have to be taken seriously like your job. As long as it is something you love to do, and does not harm others, it is a great thing to do.
If work stress has you down, hobbies can make all the difference. Considering that a hobby doesn't require you to have special skills, or really produce anything but enjoyment, your choices are virtually unlimited.
If you would like to relax, you should take up fishing. Find a spot to fish and get some fishing supplies. Make certain you have proper licenses or permits before fishing, though. Fishing can get you a little peace from the day.
For anyone looking to turn a hobby into a money-making business, first you will need a name. When you name your company, it is the start of the brand of products you will be marketing. It should be memorable, unique and pertinent to the business you wish to establish.
Hiking can be a great way to get some exercise and get outside. Find various paths near your home and discover what Mother Nature can offer. Take your best friend along with you, and maybe even take a picnic basket along with you and then hike to your favorite spot to sit down and enjoy that picnic lunch.
If you enjoy water sports, then surfing may be the perfect hobby for you. Used surfboards can be purchased at a huge discount, and lessons are also not too expensive. Surfing is also a great way to strengthen muscles and gain endurance.
Fishing can be a great hobby. Fishing is a hobby that never gets old. It has been practiced for many centuries. There needs to be patience involved, but it is very rewarding when you catch something. You can either keep the fish or release it back into the water.
Riding horses is a fun hobby that can take you into the great outdoors. While on horseback, you could explore the wilderness, find hidden trails and discover new animals. You can make a friend out of your horse, building a bond with nature that might be new to you.
You can enjoy surfing if you like to swim and love the ocean. A used board is cheap, as are most lessons. If you want to build your leg muscles, this is the way to do it!
Going to garage sales or estate sales can become quite an addictive hobby. There are many cool things to buy at these sales. You can find art, kitchen stuff, and general household stuff that still has some worth. It is exciting to make great new discoveries at these sales.
Have a couple of different hobbies. In this way, you can develop a number of skills and become a well rounded person. You might even choose different hobbies for different times, such as swimming for summer and skiing for the winter months.
Hobbies can be rewarding when you involve other people. It's the little random things about people that make life so special. Your hobby gives you a perfect opportunity to enjoy the company of others. Let others look at what you're collecting, making, or follow you. Let the world see everything that you are doing in your life. You will meet new people and possibly learn some things you didn't know.
Many people enjoy playing games online. It's easy to get away from reality if you get online with some games. If you need something to distract you for a bit of time each day, look into gaming.
Try gardening as a hobby. While it may seem like work to some people, others really enjoy doing it. Plant seeds during the spring, help them grow in the summer, and them enjoy the results in the fall. You can even save money on produce.
Calligraphy is a fun and fancy hobby. It does not require a lot to start, and it can be relaxing sliding your pen across paper. You could enroll in classes or try to teach yourself. Either way, you will learn to appreciate being able to change your handwriting.
Take up calligraphy and improve your handwriting. You do not need a lot of supplies, and the art form is quite relaxing. You can take a class or learn online. No matter what you choose, it is a fun hobby.
Start a collection if you want an easy way to begin a hobby. You can find lots of information online about the different sorts of collections you may want to consider. Check out online shopping sites, such as eBay, whenever you decide to sell your items and sell them to the person who bids the most.
For those who travel often, collecting mementos from your trips can be a great hobby. You could collect spoons, local pottery, postcards, wine bottles, etc. No matter what you choose to bring back, the collection will have a sentimental value that will bring back memories for years to come.
If you enjoy reading but your home has been taken over by books, it is time to go sell some to the used book store. You can sell used books to acquire more space and then buy some more. Reading is one of the most wonderful hobbies you can have.
Avoid guilt about your hobbies, if you are scheduling time for them and not shirking your other responsibilities. Hobbies build your skills, give you stress relief and balance out your life. Both of these are important in life, so take part fully in your pastime when you have leisure time for it.
If you have a lot of fun with a particular hobby, ask someone you know to participate along with you from time to time. This makes it so you feel obligated to participate in your hobby. It will also help you bond with your buddy.
Try to find a hobby that you can enjoy with your family members. A cooking class is a great way to learn a new skill. Neither of you need to be great at cooking to learn a lot from a cooking course. Build your relationship while you build your skills in the kitchen. Look for local cooking classes online.
You may decide to become a sports fan. Know a bit of information about a sport and specific teams, for most enjoyment. You also will need to like watching your sport. As they progress, you can keep tabs on their success.
Stargazing is a great hobby to get involved with. Checking out the stars allows you to view the world in a completely different light, which is extremely cool. It can make you appreciate your life a little more. You just need a telescope in dark surroundings to help you see everything.
If you have a love for cooking, make sure you take care in the kitchen. If your clothes fit too loosely, they might ignite near the stove. Keep your hair out of the way and be sure to use an apron. Safety has to be first in the kitchen.
If you have too many books, take them to a second-hand store. This gives your home some space and you some credit towards new books. Reading is a hobby that many enjoy, and continuing to find new books is one way to continue with your love for reading.
Think about creating your own blog. There are many people who utilize blogs for different reasons. Some use them to promote their businesses; however, others simply use them as a journal. Your blog might provide you with a place to release frustrations as the day ends, and it might even gain you a following too. You might also make some money if you apply good SEO techniques to your blog.
Why would you think about a hobby? It is known that hobbies help people enjoy themselves and feel pleasure by participating. It gives life a sense of worth as it pertains to being "worth living." Beloved hobbies boost the mood and also reduce stress.
Parents can bond with their kids through their hobbies. As soon as your child shows interest in your hobby, find ways to let them help you. Many hobbies are good for all ages, just find things kids can do, too.
Think about taking up a fitness routine as a hobby. You can include many activities into your hobby. Become a member of a local gym and join a sports team. Visit your local swimming pool for an excellent workout. Pursuing fitness is part of living healthily.
If you enjoy it, you could make that hobby your career. If you believe yourself to be an expert at a given activity, such as swimming, it might be possible to gain employment as a coach. If you can make music or do crafts, then you can do these things and make a little bit of money off of it.
Being a fan is a hobby, too! It will be more fun if you familiarize yourself with the rules of the game and team rosters and stats. You also want to actually have fun when you watch the sport. This is a great way to spend time during the season, and it is also a great way to make friends with other fans.
Do not be afraid to turn your hobby into something that earns money for your family. If it's something you love doing, you will work even harder to make sure that it is fun and successful. You will make money doing something you love. Always be on the lookout for ways to sell yourself through your hobby in order to allow you to spend a greater amount of time doing what you love.
If cooking is your hobby, be careful. Loose fitting clothes are dangerous because they are a fire hazard. Tie hair back, and wear tight clothes and an apron. Safety is first in the kitchen.
Purchase a sketchpad along with charcoal pencils, and get to doing some drawing. Learn techniques or doodle whatever you like. It can reduce stress and facilitate artistic expression. It can also be seen as a hobby you can do wherever you are.
Do you have the supplies needed for your hobby? If you don't, you may have a hard time doing things or you may put your safety in jeopardy. Research what you need and slowly get what you need for your hobby.
Do you really like music? A great hobby to take up is learning how to play different musical instruments. When you do this, you can play along with your favorite songs on the radio. Why not start a garage band with your mates? You may find that you have more talent than you ever imagined.
Have you come across some new hobbies you would like to try? Brighten up your day and enjoy life more in your free time. Get started today, and tomorrow, you may have accomplished something that you never thought you would be able to.
Boating can be a ton of fun. It allows you to enjoy the outdoors, go fishing and relax. Many marinas offer boat rentals if you do not own a boat.


text:
Watch for the next set of assay results from Galileo Resources PLC (LON:GLR).
The company recently updated on drilling progress at its 51%-owned Star zinc project in Zambia, and the highlights included initial findings from hand-held readings of up to 52% zinc in core.
READ: Galileo Resources unearths high grade mineralisation at Star Zinc project
The hand-held assay device, known as an XRF machine, is a relatively new development in exploration, and results from it are not considered of a degree of accuracy and reliability to be used in any of the official resource categorisation methods used in the industry.
Nevertheless, as a guide, the XRF is a useful tool.
So when Galileo says it's encountered high grade intersections averaging between 15% and 28% zinc close to surface, it's worth taking note.
To be sure, it's early days. The assays are not in and this is a small drilling campaign at just 1,500 metres, with current data based on the first 750 metres of that.
But the XRF readings aren't all that investors have to go on, as Galileo's chairman Colin Bird explains.
When Anglo American worked this ground, he says, they estimated that it contained between 250,000 and 300,000 tonnes of ore. Back then, silicate deposits of this nature were less desirable while major sulphide deposits were still on offer. But most are gone now, and processing technology has well and truly caught up.
But more than that, Bird is optimistic that the geological implications of the recent drill are favourable.
"The drill programme has shown we could get stacks more. It goes up to around 50% zinc. And there's lots of 28%."
READ: Offtake Heads-of-Terms signed by phosphate subsidiary of Galileo Resources
For zinc projects, these are rich grades indeed, and with the zinc price riding along at multi-year highs, it all adds up to an enticing prospect.
If, reckons Bird, the company could prove up 60,000 tonnes of contained zinc, then it would justify the setting up of a small-scale operation.
But if, he adds, the drilling could boost the resource exponentially, say, to five million tonnes, then Star would become the type of project that a company could sell on.
So plenty to play for at this stage. The initial assay results are due back in mid-March, even as drilling continues.
"My initial target is to put an envelope around the resource," says Bird.
"But having said that we're still trying to find the source. Inevitably there'll be a big feeder. And there are those who say it's a bit like Tsumeb."
For those not in the know, Tsumeb is one of southern Africa's foremost base metals projects, enough of an undertaking to put a smelter on site there in Namibia, and a benchmark for many a project in the region.
But how the geology all works remains unclear. Chartered Consolidated did some work at Star in the early 1960s, but Bird says he now wants to bring "more science to it."
"The geophysics is old," he says. "This latest work has now destroyed the Chartered Consolidated model.
READ: Galileo Resources steps up activity on zinc and phosphate interests
That leaves room for a new, Galileo Resources model. The upcoming assays may not deliver quite that, but they may well be step towards it.
"Already we're getting better than the historic numbers," says Bird. "On grade, I'm personally hopeful will be better."
The early signs are good, but in the meantime new interest is being generated in South Africa at the Glenover project, which Galileo was founded on, but which went into something of a hiatus on weak commodity prices.
It's come alive again though, reworked as a phosphate project rather than the rare earths mine that was originally envisaged. In this new form it's attracted interest from a major phosphate producer in the form of an off-take agreement.
The advantages of this new structure are clear.
"We have high grade phosphate," says Bird.
"We have stockpiles of three million tonnes. We haven't got to go mining for six or seven years, and the capital cost will be just US$7mln-US$8mln. What's more, the tailings are full of rare earths."
It all adds up to a nice internal rate of return, and a doubling of the upside for Galileo investors.


text:
Tuesday, July 17, 2012
Ben Barba
8 comments:
Hi Jabez, I love!!! your movie about Ben Babra, I find it very amazing keep it upReplyDelete
Hi Jabez,ReplyDelete
Your Ben Barba Highlights are really cool. Did you get it from youtube?. It was awesome, Keep up the good work.
Hi jabez I like the video about Ben babra it was cool can't wait till your next blog postReplyDelete
Hey BroReplyDelete
I really enjoyed watching the Ben Barba video, I really hope to enjoy other players tributes and cant wait to see the next blog post.
Shayne (:
I like your movie Jabez because I like rugby. Ben Barba His the best. I enjoyed watching your movie it cool.ReplyDelete
that was a good rugby game but what is the meaning of this post?..ReplyDelete
hey Jabez it me Auri I like your move because of Ben Barbara was the bes all and that is rite because he is my be man in the bulldogs.ReplyDelete
Hey JABEZ I know that Ben Babar is one of the famous rugby player and he's really good at tackling and kicking and how high can he kick the ball. It's really good to hear your story about Ben Babar. Hope to see your next blog next time I come on.ReplyDelete
From Timoteo


text:
07929 274 679
A Bristol based company with over 14 years experience in the Electrical, Automotive and Audio/Visual industry, We take great pride in our work and you can rest assured that your installation will be carried out to the highest standard.
There are many things that set 'All Angles CCTV' apart from the competition but one thing in pacticular is the simplicity of all the systems we use. We only use top quality products that ensure reliability to keep your property protected all year round when you need them most.
There are many security systems on the market and many of them can be over complicated and difficult to use.
Over the last couple of years Domestic CCTV systems have become very popular and with the help of Remote viewing from your Mobile phone or Tablet they are invaluable for many of our customers. You can now protect your property and record and view your cameras in Full HD quality at an affordable price. Click HERE to view our CCTV packages.
We Hope you find the website informal and find the answers you are looking for, please feel free to contact us with any queries you may have , we aim to get back to you the same day. Mode Chaussures de sport Femme PUMA Match Basic Puma Blanc/Ultra


text:
If the leaves are actually absolutely prolonged, the highest is lifted and afterwards dropped into put. The desk peak stays the identical. The development requires excellent accuracy and talent over the Component of the craftsman. There are also additional difficult sorts of extension tables with runners enabling the legs and also the leaves being drawn out; further leaves can then be inserted.
number of however photos on film, projected in quick succession on to a screen through gentle. As a result of optical phenomenon known as persistence of eyesight, This offers the illusion of actual,...
…showed a variety of artwork furniture inside the Moorish or Arab style, the vast majority of it staying mild and chic in kind and moderate in selling price. The importation of Mushrebiyeh lattice-get the job done from Egypt has in all probability induced Messrs Liberty & Co to turn this exceedingly inventive content to functional account: they may have accordingly in their Kharan chairs produced incredibly tasteful use of the intriguing creative solution of Mohammedan Egypt, and Arabic cabinets, Mushrebiyeh screens, camphor or sandalwood tables, punkahs, traciered lamps, and Arabic stained glass Home windows of gorgeous flowing patterns and splendid colour are applied to supply an Oriental impact.
An Unquestionably breathtaking and one of a kind Dutch colonial very major storage upper body, on all 6 sides crafted from solitary planks of uncommon Cuban mahogany. It incorporates both Mughal and Dutch influences....
The antique molding at the time decorated a big French armoire and has been Forged from bronze and decorated using an antique gold patina. It features an ornate structure with vintage scallop and acanthus leaf motifs.
Carving became widespread while in the Chippendale and Revival variations in the 19th century. Just about every area displays its particular carving attributes plus the hand on the cabinetmaker. Specific areas most popular exuberant carving, Many others most popular restrained variations.
Among the earliest things of furniture that can be absolutely documented had been two stools, determined by historical Egyptian prototypes, each known as the 'Thebes' and registered in 1884. 1, a 4-legged stool, generally made in walnut and also in mahogany, with turning over the decrease legs and also a leather seat hooked up for the body with thonging, has the Patent Business Layout registration No. 16673. It had been hardly an primary layout, as The traditional Egyptian prototype had now motivated quite a few artists and designers before during the century. A drawing of an identical Egyptian stool by J.G. Grace, dated 1853, is now during the RIBA, and Ford Madox Brown built a comparable Egyptian design and style chair for Holman Hunt in 1857.
A lower, square, upholstered sort of chair might be found in engravings of interiors of affluent Dutch houses by Abraham Bosse, a French artist, and in paintings through the Dutch artists Johannes Vermeer and Gerard Terborch. Despite the fact that this type of chair is likewise located in nations around the world where by Dutch styles of interior decoration and Dutch furniture won favour, It isn't particular that the form really originated within the Netherlands.
In 1866 George Howard Patented something which would secure his family members's business a location in record, he patented the 'Elastic Seat'. His patent fully re-intended the inside workings of standard upholstery, producing the exceptional seat, is whatever they at the moment are commonly recognised just for.
Rooms and enormous halls were not heated right up until the appearance of modern central heating techniques. The open hearth was replaced over the late Center Ages through the fireplace, and that is basically an architectonic method of framing the burning logs. In the period when it had been significant to be a source of heat, the fireplace grew to become the article of style operate by sizeable artists.
When persons discovered to farm and lived in everlasting settlements they started to make furniture. In Europe some of the earliest identified furniture arises from a stone age a village at Sara Brae during the Orkney Islands in Scotland about 2,000 BC.
Usually, check here tables could be divided into fastened and mechanical varieties. The fixed table, consisting of the sq. or round major supported by one or more legs, would be the the very least challenging in the viewpoint of craftsmanship. It's really a kind that needs wood of thick dimensions so as to make the joints by which the best is fastened for the legs powerful ample to resist lateral force. Old Spanish or Italian tables tend to be constructed with sloping stretchers to counteract this stress.
The possibilities of metal for furniture had been explored in Germany in the nineteen twenties, notably by architects related to the Bauhaus, wherever architects, designers, and artists experimented with modern day products. Experiments have been built with metal springs and chromiumplated steel tubing.
Round charms adorn the graceful swell of this classy stone drum stool. An encircled bat symbolizes happiness and joy, whilst a phoenix represents the spiritual union of yin and yang....
19th century furniture - An Overview
If the leaves are actually absolutely prolonged, the highest is lifted and afterwards dropped into put. The desk peak stays the identical. The development requires excellent accuracy and talent over the Component of the craftsman. There are also additional difficult sorts of extension tables with runners enabling the legs and also the leaves being drawn out; further leaves can then be inserted.


text: Check out our most popular flowers! Orland Park Flower Shop has a huge assortment of all types of flowers such as roses, plants, popular summer and spring flowers, and modern flowers. Or get ideas of popular wedding, get well, anniversary and thank you flowers! We can deliver any bouquet you choose to Orland Park, IL and beyond!


text:
Enter your email address and we'll send you a link to reset your password.
Update Name
New Phone Number
New Email Address
Old Password
New Password
3 Bed, 2.00 Bath (2 Full Bath), 1,401 sqft
Courtesy of: Sara Boling, CENTURY 21 Boling & Associates, Inc.
1400 S Ocean Blvd #405 Ocean Escape e the 1st to own a new condo on the Blvd! Reserve your unit today! 2 & 3 Bedrooms.
Listing Source - ListHub
Copyright © 2018 CENTURY 21. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.


text:
By popular demand, new releases will include add-ons for Maitreya and SLink feet.
Updates to past releases have begun and will continue as time permits.
Shoe styles that include add-ons will be easily identified by the Maitreya and SLink logos on the store posters and vendor images.
Styles below include add-ons.


text:
Fox Picks Up John Stamos and Grinder Series
As well as Rosewood and The Guide to Surviving Life.
If you've been sifting your way through our upfronts updates, you might be wondering about Fox. Well, the network just picked up that John Stamos show and another show about a dating app. (Kidding.) The network just picked up that John Stamos show and that other show where Rob Lowe and Fred Savage are supposed to be brothers. (Not kidding.) There will also be a series about a private pathologist in Miami, as well as one that sounds like another batch of millennials entering the real world. Here are Fox's four new shows for next season:
Grandfathered: This is the Stamos show, which will also feature Josh Peck, Paget Brewster, Christina Milian, Kelly Jenrette, and Ravi Patel. It's called Grandfathered, because "a longtime bachelor," presumably the mystical Stamos, has his life "upended when he discovers he's a father — and a grandfather." Whoops! It's a single-cam comedy, from Danny Chun, with, yes, the Josh from Drake & Josh.
The Grinder: Lowe's single-cam comedy has the actor starring as a TV lawyer, better known as "The Grinder," because what else would you ever want to be known as? (Keep your answers to yourself.) Yes, Fred Savage really does play Lowe's brother, known as Stewart, because his badass nickname is still a work in progress. Lowe's character is going to bump into a crossroads when his TV law show comes to an end, and Grindy thinks he should move back to his family's small hometown and take over their law firm. (Hopefully, this is significantly less depressing than The Judge.) Mary Elizabeth Ellis, William Devane, and Hana Hayes round out the cast.
In #TheGrinder I play TV star Dean Sanderson. He's devastated his hit lawyer show is ending. This was its billboard. pic.twitter.com/aQtRei8UF2— Rob Lowe (@RobLowe) May 8, 2015
The Guide to Surviving Life: Fox has called dibs on half a dozen episodes of this single-cam comedy, about the mishaps that happen in the postcollege years, before settling down. Jay Lacopo is the man behind the pen, and Jack Cutmore-Scott, Meaghan Rath, James Earl, Charlie Saxton, Justin Bartha, and Maureen Sebastian will star as the cast of what sounds a lot like Girls with fewer girls.
Rosewood: Morris Chestnut toplines this series as the titular, Über-optimistic Beaumont Rosewood Jr., a private pathologist with a fantastic name. Rosewood spends a lot of his time studying bodies and death (fun!), and he's also gonna hang out with and help this super-cynical detective, played by Jaina Lee Ortiz. Really, it sounds like someone put House, Dexter, and Backstrom in a NutriBullet and then just went smoothie crazy. (For what it's worth, other character names include Pippy, TMI, and Bella — yes, they are crushing the name game.)


text:
October is my favorite month. And not just because my Birthday is on the 8th. 😉 There's also Halloween, Fall leaves, pumpkin pie, carving pumpkins, pumpkin spice lattes, PUMPKIN EVERYTHING! I don't know what the deal is, but seems like Mother Nature hasn't quite got the memo about October. It's been in the 70's all week. Which means we have to go to beach (which is awesome) BUT I want brisk air, sweaters and boots, apple cider! Come on Fall. I'm ready for you. That's why I made this Apple Torte. It tastes very Fall-y with all that caramelized cinnamon sugar, warm apples, and sweet cake. It's just too good! Then again, my boyfriend texted me this morning saying it was 19 degrees this morning in my good ol' home town. I don't think I would trade places with him for the sake of getting to wear scarves. But I do think he should come here and eat pumpkin everything and the apple torte (with ice cream) and sit at the beach. Cold weather or not, it's October and I LOVE October.
RECIPE (Adapted from Living Vintage)
– 1 cup granulated sugar
– 1/2 cup buter, room temperature
– 1 cup all-purpose flour
– 1 tsp baking soda
– 1/4 tsp salt
– 2 eggs
– 5-6 granny smith apples, peeled and sliced
– juice of 1 lemon
– 1/4 cup flour
– 1/2 cup brown sugar, packed
– 1/2 tsp cinnamon
– 2 T butter
Preheat oven to 325 F. Grease a spring form pan.
In a medium sized bowl, cream together butter and sugar. Sift in flour, baking soda, and salt. Combine. Add eggs one at a time and mix together until combined. Pour batter into spring form pan.
Coat the apples in lemon. Make a layer of apples spiraling around the cake batter.
Combine flour, brown sugar, and cinnamon. Sprinkle evenly on top of the apples. Break the butter into small pieces and place evenly around on top.
Bake until golden brown and a knife comes out clean. (The time will depend on the size of pan your using. If you use a 9 inch spring form pan it will take about an hour, but I used a bigger size that took about 40 minutes. Keep an eye on it! It will smell amazing too.)
Allow to cool 5-10 minute. Remove sides of pan and serve! With vanilla bean ice cream! Yum. I should've done that. Enjoy 😉


text:
Exactly this, another month old, another month wise. Little Miss Lennox is turning into Little Miss Smarty Pants! The way she reacts to situations, her responses to questions/statements … sometimes she just amazes us. How does someone who two years ago, couldn't even sit up on their own, now know what she wants, how to tell us, how to respond, etc. It's amazing to watch!
Lennox MUST be going through a growth spurt right now. She has been eating more than normal and sleeping longer hours. Today she didn't wake up until after 8am, then at 1130 she asked to take a nap. She got her blanket and just walked herself upstairs to lay down, saying she was tired! That's my girl!
We have also noticed that since getting back from vacation she has been acting less like her "terrible two's" self! She has more patient, expresses what she wants/needs more and happy almost all the time! Hopefully this sticks around!
Our little girl is getting bigger and bigger by the day!


text:
Community Early-years Childcare (CEYC) offer high quality Mobile and Centre
based Education and Care, which is responsive, flexible and innovative. Our Qualified Educators are supported to
obtain best practise in education curriculum and research. Our team of Qualified Educators embrace the
National Quality Framework (NQF), Early Years Learning Framework (EYLF) and Victorian Early Years Learning & Development
Framework (VEYLDF).
Community Early-years Childcare actively supports children, families
and communities in a diverse range of Early Childhood Education and Care
services, including Mobile, Funded Kindergarten program and Long Day Care.
All our venues Education and Care Programs are play based. Play is the creative process that lays the
foundation for early literacy, creativity and numeracy skills. Play is the perfect tool for developing life
skills, such as imagination, inventiveness and persistence. All these are vital for the development of resilience in children.
At Community Early-years Childcare each child has the opportunity to
participate in planned activities that focus on individual strengths, interest
and challenges. We actively participate in the Education of your children, it
is these formative years that pave the way for future learning.
Our team of Qualified Educators have a broad range of skills,
experience and knowledge, are passionate about Education and supporting each
child's "Belonging, Being and Becoming".
Click here for:
New Childcare Package - 2 July 2018
2018 Term 2 - Operation Schedule
Enrolment Form - Kindergarten
Enrolment Form - All Services
Parent Information Handbook - All Services


text:
Sundays are lazy and are for relaxing. Mondays are strictly for work. There goes SUNDAYMONDAY, a concept chair which flips between the two, literally!
Year: 2012
Just flip it over and SUNDAYMONDAY converts from a work chair into a lounge chair. Made of lightweight and durable urethane, SUNDAYMONDAY has the unique ability of appearing different in different environments.
With property costs in metropolitan cities always rising, people are moving into smaller and smaller apartments. There is a need for multi utility furniture in such homes.
Made of urethane, the chair can be produced in a number of cheerful colours that set your mood.


text:
Hurry over to get snag a FREE 1 Year subscription to Latina Magazine. No credit card information required! There will be other offers you can subscribe to or skip if you are not interested.
Hurry over to get snag a FREE 1 Year subscription to Latina Magazine. No credit card information required! There will be other offers you can subscribe to or skip if you are not interested.
Do you Like to shop at Ann Taylor? Then fill in the entry form for a chance to win a $1000 !!! shopping spree at Ann Taylor. No purchase or payment of any kind is necessary to enter or win.
Good luck winning ladies!
P.S. right now you can score extra 40% all sale items wink
Answer few short questions and request a FREE sample of Finish Power and dishwashing tabs.
Today only score 40% OFF your entire purchase at Childrensplace.com when you enter promo code BIGSALE3 at checkout. Pay $5 flate rate shipping or spend $75+ and get your order shipped for free.
Here are some items I liked:
Girl's Graphic tees on sale for $5.99. Only $3.59 after a discount.
Girl's Jeggings on sale for $9.99. Only $5.99 after a discount.
Bath & Body Works has some amazing deals going on right now. With a $40 purchase you can get a GETAWAY V.I.P. TOTE for only $20 (over a $100 value!) which includes:
Besides that they have great deals on new hand soaps and Wallflowers fragrance refills.
New Hand Soaps are 5 for $18 or 7 for $24 for a limited time only.
Wallflowers Fragrance Refills are $3 for a limited time only.
Hurry over to get a FREE Crest 3D White Luxe Supreme FlexFit Whitestrips sample + a $10 coupon for a full box, redeemable at your nearest store. Enter code 9K2P and submit! Can't wait for mine to come in!
This one is for you, Target shoppers! Use a new Cartweel offer to get $10 OFF Bath tissue and/or paper towels purchase or $25 or more. For coupon delivered to your smartphone, text BATH2 to TARGET (827438).
Today is the last day to snag 101 FREE photo prints from Shutterfly.com when you enter promo code LOVE101 at checkout. Note that shipping charges are $7.99 per order. BUT… order 99 prints with the same promo code and your shipping charges drop to $5.99. That makes one print only 0.o6 cents. Nice!
Hurry over to Mrs. Dash Facebook Page to receive a FREE Seasoning Mix Packet! New flavors available every Monday for the first 8,500 visitors. Also you will be entered in a weekly prize pack which includes: 10 salt-free Seasoning Mix Packets, Clip N' Dip Platter and Dipper Bowl, and $150 Visa Card.
If you didn't get it yet, head on over here and get a FREE 7 Day Dial Moisturizing Lotion Sample! Allow 6-8 weeks for delivery.


text:
When I run a report on a pop up field, it works half of the time and crashes the app the other half of the time. Help? Also is their anyway to create non-chart report of the distribution totals of the pop up selections in a table format?
Sent from my GT-N8013 using Tapatalk


text:
Full House (1987)
9 mistakes in season 5
Starring: Candace Cameron Bure, Dave Coulier, Jodie Sweetin, John Stamos
Spellbound - S5-E17
Continuity mistake: D.J. writes "Michelle" on the chalkboard, and Michelle says "That's my name, Michelle." Then in the next scene, Michelle's name is not in the same writing, especially the last 'e'.
Add timeBowling255
Nicky and/or Alexander - S5-E11
Continuity mistake: When DJ and Stephanie are done playing with the twins and Jesse comes in, he takes the booties off their feet, thinking that they still had their hospital bracelets on. While he is still in the kitchen, you can see that the booties are on the table between the twins. These keep changing positions in between shots, even when Jesse goes in the living room leaving the twins unattended.
Add timeJuliaD
Continuity mistake: Jesse is bouncing a baby on his knee and humming the theme to Bonanza, but in another episode (the one where Jesse graduates), he states that he hates that song because his dentist used to hum it while he drilled his teeth, so when he hears it his teeth hurt. When he hums it in this episode his teeth don't seem to hurt.
Add time
Spellbound - S5-E17
Continuity mistake: When D.J. is explaining about vowels, the pattern on Michelle's dress keeps changing. At times, there are flowers over her right shoulder and other times, they are more towards the left. In addition to this, her hair also keeps changing. At times the end of her ponytail is curved outwards and other times, it's straight.
Add time
Visible crew/equipment: A boom mike is visible just before Stephanie opens the door and Uncle Joey scares her.
Add timeBowling255
The Devil Made Me Do It - S5-E19
Continuity mistake: When Jesse throws Michelle's blue suitcase on the bed when they return home, it lands with the handle facing the camera. When Michelle goes to unpack it at the end of the scene, it's now on the other side of the bed with the handle and zip facing her.
Add time
Oh Where, Oh Where Has My Little Girl Gone? - S5-E4
Continuity mistake: When Danny is cleaning the bottles in the first scene, the yellow bottle keeps changing position between shots.
Add time
Spellbound - S5-E17
Continuity mistake: When Jesse writes the word 'AT' on the chalkboard, the way it is written changes between shots.
Add time
Take My Sister, Please - S5-E3
Continuity mistake: When DJ is giving her presentation to the guys about letting her have her own room, she brings up a point that Stephanie and Michelle are now the same age as DJ and Stephanie were when they started sharing a room. But Stephanie was 5 and DJ was 10 when the show started and they began sharing a room. In this episode, Stephanie was about 9 and Michelle hadn't turned 5 quite yet.
Add timeLauren Stone
Join the mailing list
Addresses are not passed on to any third party, and are used solely for direct communication from this site. You can unsubscribe at any time.


text:
Although the industry's track record when it comes to Dodd-Frank implementation is hardly noteworthy, its war-game to test regulators' new powers to seize and dismantle a megabank is not only fascinating, it's exemplary.
The Clearing House Association, a trade group comprised of the 18 largest banks, spent 10 months and $2 million to plan a simulation of a large bank failure, a bold and massive undertaking.
"Had this not gone well, it would have complicated the debate immensely," says Paul Saltzman, the president of the group.
That may be the understatement of 2012.
Whether Dodd-Frank's Title II ends Too Big to Fail will affect how rules that bring the reform law to life are written. If regulators do not trust Orderly Liquidation Authority the process regulators will use to resolve a failing megabank will work, then rules governing capital to corporate governance and everything in between will need to be a whole lot tougher.
"Demonstrating to policymakers that there is an effective resolution framework is a critical part of the regulatory dialogue now," Saltzman says. "It will inform all of the macro-prudential rules and regulations that are being put in place to prevent a future failure."
Industry critics will never be convinced; they view The Clearing House's simulation as self-serving.
But it's hard to deny the industry some credit for trying to test how the government might take down a large bank without causing a full-blown crisis followed by an expensive bailout.
Was the simulation perfect? No, but that's the wrong yardstick. It's enough to say the simulation was constructive. And it provides perhaps the single most visible example of the industry proactively participating in Dodd-Frank's implementation, which is so much more effective than whining, or worse, undermining from the sidelines.
The simulation took place in Hurricane Sandy's wake in early November at the Dorral Arrowwood in Rye Brook, N.Y. The 180 participants, including 150 bankers from 23 institutions, split into 11 teams to play a variety of roles. The simulation focused on the failure of a $1.9 trillion-asset U.S.-based bank, but included two others: another U.S.-based bank with $850 billion of assets and a U.K.-based bank with $2.5 trillion of assets.
The eight other teams covered the roles played by the Federal Deposit Insurance Corp., other U.S. regulators, U.K. regulators, Congress, buy-side investors, market utilities, the media and finally a "command central" that oversaw the simulation.
Each of the 11 groups had a distinct briefing book, with a list of tasks and objectives. Each had its own room, equipped with a TV that provided a media feed, which included a variety of rumors designed to inject some chaos and make the simulation more real. "Reporters" on the media team were instructed to seek out information and participants were allowed to call the media to plant stories and try to influence events.
The Clearing House hired Ernst & Young as the project manager as well as Promontory Financial and a who's who of law firms including Davis Polk and Cleary Gottlieb.
The simulation was divided into four phases and assumed that Dodd-Frank had already been implemented. In other words, any limits proposed but not yet adopted by federal regulators were assumed to apply.
The "crisis" began with the news that Bank A had suffered a $6 billion loss in its U.K. broker-dealer on a Friday morning. That afternoon the company's U.S. commercial bank was hit with a $50 billion loss. Runs followed; confidence faded and Bank A's holding company faced a big debt repayment that it could not meet. It became clear the government had to step in or risk systemic contagion.
Dodd-Frank bars regulators from bailing out any individual bank so Bank A could not simply turn to the Federal Reserve Board for financial help. Under Dodd-Frank, the FDIC must decide that a bank's failure could create a crisis that would threaten the entire financial system and then convince other policymakers to go along.
FDIC Chairman Marty Gruenberg has said the agency's preferred approach to these types of resolutions will be a "single point of entry" where the holding company is seized and operating subsidiaries continue to function, so that's what the Clearing House tested.
In the simulation, the FDIC wiped out shareholders, fired the CEO (played by Greg Baer of JPMorgan Chase) and converted holding company creditors to owners of the new bridge bank.
To cover the bank's losses, the FDIC arranged an $80 billion line of credit that was funded by institutional investors and guaranteed by the Orderly Liquidation Fund, which was mandated in Dodd-Frank. The law requires other large banks to repay this money. (The people playing FDIC officials, led by Mike Krimminger of Cleary Gottlieb, asked for $200 billion but the folks playing Treasury Department officials, led by Michael Helfer of Citigroup, only approved $80 billion; in the end only $40 billion was tapped.)
There's more, but that's the basic set up.
The Clearing House is still compiling its final report, which it plans to take on the road and share with regulators here in the U.S. and abroad early next year. But interviews with various participants yielded a long list of recommendations.
Among the biggest more cooperation among U.S. and foreign regulators has already seen significant progress with the FDIC-Bank of England agreement.
The industry also wants the FDIC to work more closely with individual institutions as banks crafts their resolution plans.
Currently, large banks submit "living wills" to the FDIC, showing how they think they could be unwound in the event of a failure. The FDIC writes a separate resolution plan, laying out how it thinks a failure would be resolved. This is not a public document and only bits of the living wills are public so it's impossible to know how far apart these two plans are for any particular institution.
The Clearing House thinks resolutions would go more smoothly if the FDIC worked with individual banks to craft a joint plan.
The FDIC declined my request to interview Jim Wigand, who as director of the agency's office of complex financial institutions, is leading the charge on Orderly Liquidation Authority.
So I turned to Krimminger, who before joining Cleary Gottlieb this year was the FDIC's general counsel and worked at the agency for two decades.
Krimminger expects the FDIC will eventually decide to work with the large banks.
"There is no way, in isolation, you can develop a resolution plan for a huge institution without involving the institution because they are always going to know where the issues are that will cause you problems," he says. "I think they need to sit down, institution by institution, and say, 'Okay, this is what we are thinking about with you. This is what our strategy would be. What are the problems with it?'
"They haven't gotten to the point where they are ready to do that. I think they will."
The Clearing House also wants the FDIC to spell out in more detail just how it sees one of these resolutions unfolding. The term of art for this is "presumptive path" and it's something the industry is pushing hard on. Ideally, banks want the FDIC to spell out in a policy statement how it plans to use its bridge-bank authority.
The FDIC wants to preserve as much discretion as it can because every resolution will be different. But there is a trade-off between flexibility and clarity. In the simulation, when investors or counterparties were confused, they didn't wait for more information, they dumped assets.
"The more certainty and clarity market participants can get about what the FDIC's plan is, the better," Krimminger said.
To ensure markets that function effectively, the government needs to convince investors that Dodd-Frank really did end Too Big to Fail.
"Regulators want to maximize flexibility, but if nobody is certain what you are going to do, then you have a problem because the market may react in ways you don't anticipate," Krimminger says.
For example, if all short-term debt holders are left behind in the receivership, as the simulation assumed, then creditors may stop lending to other large banks. However, protecting short-term creditors could increase moral hazard and eliminate market discipline.
The Clearing House didn't reach a firm conclusion on this question, but it's high on its list of policy questions that the FDIC needs to answer.
Bankers also want, and expect, the Fed to issue a rule or guidance setting a minimum amount of long-term unsecured debt at the holding company. It's necessary because, in a resolution, this debt would be converted into equity of the bridge bank.
While the industry wants some guidance, it's also worried the Fed will come out with some sort of one-size-fits-all approach that, well, won't fit some banks. There also may need to be a limit on how much of this debt may be held by other large banks to reduce knock-on effects.
And that brings us to the single counterparty credit limits that the Fed has proposed. These were required by Dodd-Frank as a way to cut down on the interconnections among the large banks.
The simulation assumed these limits were adopted as written and that prevented the two other banks from buying any of the failed bank's assets they were already too exposed to that bank.
"Many Dodd-Frank reforms intended to be stabilizing actually hindered the resolution process and amplified contagion risk," Saltzman says.
In addition to the counterparty limits, other policies that complicated resolution included Dodd-Frank's derivatives push-out provisions and the regulators' unofficial ban on dealmaking by any of the large institutions.
There are plenty of other issues to consider and it's likely the industry will attempt another simulation, perhaps in conjunction with the FDIC.
"We have briefings for regulators scheduled in early January, and look forward to finding ways to get them more engaged in any future simulations," Saltzman says.
The FDIC has, rather quietly, been doing a series of more narrowly focused tabletop exercises, and did do a broader simulation to learn more about the decision-making process needed to pull off one of these large-bank resolutions.
It, too, was conducted in December and it sounds like the Fed participated but all I could get was a description of the simulation from the FDIC. It "involved evaluating the required steps and possible alternatives when making the decision to potentially implement a Title-II resolution for a failing SIFI (systemically important financial institution)," the FDIC said. "The simulation tested the intra- and inter-agency decision making process leading up to Title-II resolution, identified issues and resolution alternatives, and improved interagency communication and coordination in the context of Title-II."
Sounds interesting. But the more detail regulators and the industry can provide on these and other simulations, the more we may finally begin to believe that Too Big to Fail is over.
Register or login for access to this item and much more
All Bank Investment Consultant content is archived after seven days.
Community members receive:
- All recent and archived articles
- Conference offers and updates
- A full menu of enewsletter options
- Web seminars, white papers, ebooks
Already have an account? Log In
Don't have an account? Register for Free Unlimited Access


text:
OakTown_Queen ব্যক্ত …
Happy Birthday 🎁🎊🎉🎈🎂 পোষ্ট হয়েছে এক মাস 1 আগে
|আরো নিকোলে সোয়ারজেনেগার মতামত >>
|আরো নিকোলে সোয়ারজেনেগার উত্তর >>
Nicole Scherzinger was named the 70th ranked Sexiest Woman Alive দ্বারা Smartasses.Net on Saturday, March 17th 2012, when Smartasses Online Magazine revealed their ever-popular "who's who" of the hottest women on the planet via Twitter. 2012 marked the seventh annual বছর for Smartasses শীর্ষ 100 Sexiest Women List, which comes out every St. Patrick's Day. For Scherzinger, it was her fifth বছর on the list. In 2011 she was ranked 56th. For আরো visit her bio page on the Smartasses Network at link
New X Factor judge Nicole Scherzinger has revealed that she "absolutely loves" being able to splash the cash because she grew up with very little. The Pussycat পুতুল তারকা ব্যক্ত that her family struggled when she was younger and that she would try to get jobs in commercials to pay for her অভিনয় and dance lessons. She told UK newspaper, the Daily Mail: "I absolutely প্রণয় having money, because I grew up without it. "I came from a very working-class family, and money for me and my sister Ke'ala was very tight. Our clothes came from sales shops, and for me to have dance অথবা অভিনয় lessons was a very...
Former Pussycat পুতুল bandmates Nicole Scherzinger and Kimberly Wyatt are still not speaking. The pair used to be in the hit US band together but Kim, who is part of new band Her Majesty and the Wolves, ব্যক্ত she is আরো proud of her other bandmate, Popstar to Operastar contestant Melody Thornton. She ব্যক্ত to UK newspaper Daily Mirror: "I haven't spoken to Nicole at all, so I've no idea what is going on with her and X Factor. "But I have been seeing a lot of Melody lately. I've been going to see her in rehearsals and give her some support. Will I go and see Nicole? I doubt it."
Nicole Scherzinger ব্যক্ত she's 'fascinated' দ্বারা the 'Paula And Simon Show' on The X Factor. The 32-year-old singer is a judge on the hit US version of the talent প্রদর্শনী along with Simon Cowell, Paula Abdul and সঙ্গীত producer LA Reid. Asked how she finds working with Cowell and Abdul, she ব্যক্ত to UK's Now magazine: "I'm not there to get in between them - I get a front row ticket to the 'Paula And Simon Show' every week. "I'm fascinated watching them because they've been working together for over 10 years. "It's such an honour for me to be part of the panel as an artist in today's music...
Nicole Scherzinger was named the 56th ranked Sexiest Woman Alive দ্বারা Smartasses.Net on Thursday, March 17th 2011, when the online men's magazine revealed their everpopular who's who of the hottest women on the planet. 2011 marked the sixth annual বছর for the increasingly জনপ্রিয় Smartasses শীর্ষ 100 Sexiest Women List, which comes out every St. Patrick's Day, to coincide with March Madness. For Scherzinger, it was her fourth বছর on the list. Last বছর she was ranked 84th. For more, visit Smartasses.Net.
|একটি প্রবন্ধ দিন >>
Nicole Scherzinger and James Maslow pose for a ছবি while attending the 2015 Just Jared Summer Bash presented দ্বারা SweeTARTS Chewy Sours on Saturday (July 18) at a private residence in Los Angeles.
Nicole Scherzinger is ravishing in red while performing at the A Capitol Fourth 2015 Independence দিন সঙ্গীতানুষ্ঠান dress rehearsals on Friday (July 3) in Washington, D.C.
Nicole Scherzinger flashes a smile in a black jumpsuit as she steps out of her hotel on Thursday (July 2) in New York City.
|আরো নিকোলে সোয়ারজেনেগার লিঙ্ক >>