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In 1900, farms were small, inefficient, and labor-intensive. About 41% of the workforce labored in jobs such as field hand, egg chandler, and hay baler. Food was expensive. The typical household spent 43% of its income on sustenance.1
Over the next century, tractors replaced horses; researchers developed higher-yielding grains and new irrigation and fertilization techniques; railways and highways created a national distribution network. Output soared, food prices plummeted, and labor left the farm for better opportunities. Today, the typical household spends less than 10% of its income on food, produced by less than 2% of the workforce. 2
A similar story of miraculous productivity gains and astonishing price declines reshaped just about every corner of the U.S. economy in the 20th century except one: financial services. Such is the dismal conclusion of a 2015 paper by New York University's Thomas Philippon, Has the US Finance Industry Become Less Efficient?
A price and productivity puzzle
In 1900, according to Philippon, costs in the U.S. financial services sector amounted to roughly 1.6% of "intermediated assets"—the savings, loans, and securities that underwrite investment and grease the wheels of commerce (in short, any financial asset that isn't stuffed under a mattress). More than a century later, those costs amount to . . . roughly 1.6% of assets.
"It's puzzling," Philippon writes. "Advances in information technology should lower the physical transaction costs of buying, pooling, and holding financial assets." Possible solutions to the puzzle include growth in household borrowing (households are more expensive to serve than corporate borrowers) and growth in the asset management industry, particularly as "high-fee alternative asset managers have gained market share."
I suspect that Philippon's data set, which runs from 1870 to 2012, ends too soon. That's because the asset management industry is only now beginning to realize the efficiencies generated by one of the greatest innovations of the late-20th century: the index fund.
The first unicorn
When the first index mutual fund for individual investors began operations on August 31, 1976, Jack Bogle's brainchild was a curiosity, a provocation in a largely academic debate about whether professionals could consistently outperform the market. It wasn't even all that cheap, with a sales load and expenses equal to 0.43% of assets at the end of its first fiscal year.
As its assets under management increased, however, the innovation's potential to grind down unit costs became clear. Like a Silicon Valley "unicorn," the technology was scalable. In 1976, when fund assets totaled a little more than $14 million, annual fees for a $10,000 account were about $43. At the end of 2015, with more than $219 billion under management, fees for the same-sized account were just $5, an 88% reduction in unit costs.
Vanguard 500 Index Fund: A technology that can scale
Source: Vanguard
Indexing's cost-crushing scalability reflects, in part, its relatively low labor intensity. At the end of 2015, according to Morningstar data, the average stock index fund held more than $12 billion in assets, overseen by an average of 2.2 managers. The average actively managed fund, which requires more hands to evaluate individual investments, held just $2.2 billion in assets, overseen by an average of 3 managers.
These differences in labor efficiency show up in the prices we pay. At the end of 2015, the industry's stock index funds had an asset-weighted expense ratio of 0.11%, according to the Investment Company Institute (ICI). Active strategies charged 0.84%.
Cost in the crosshairs
Indexing is now a well-established—and highly regarded—investment strategy, but it's still in the early stages of adoption. At the end of 2015, according to the ICI, index strategies accounted for about 30% of mutual fund and ETF assets, with especially strong growth since the global financial crisis.
Like Cyrus McCormick's mechanical reaper, indexing has emerged as a technology to reduce the cost of harvesting interest payments, dividends, and capital gains from the financial markets. And by putting cost at the center of the conversation, indexing seems to be having beneficial spillover effects on the higher-cost strategies that have gained market share over the past few decades, according to Philippon.
Scan the trade press, and you'll see headlines about pressure on alternatives managers to lower their fees. In the mutual fund industry, investors are voting with their feet. As my colleagues David Walker and Don Bennyhoff have noted, new cash flow is going overwhelmingly to the lowest-cost funds, index and actively managed.
The trend may not yet be visible in Philippon's data, but asset management costs are coming down, and indexing is the catalyst.
1 Robert J. Gordon, 2016. The Rise and Fall of American Growth. Princeton, N.J.: Princeton University Press.
2 Carolyn Dimitri, Anne Effland, and Neilson Conklin, 2005. The 20th century transformation of U.S. agriculture and farm policy. Washington, D.C.: U.S. Department of Agriculture. (Economic Information Bulletin Number 3.)
3 Thomas Philippon, 2015. Has the US finance industry become less efficient? American Economic Review 105(4):1408-38.


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Probe bungling of welfare funds in a month: SC panel
The National Commission for Scheduled Castes pulled up the Punjab government on Friday over embezzlement of funds meant for the poor under various welfare schemes and asked it to investigate certain identified cases of corruption in this regard within a month.chandigarh Updated: Oct 06, 2012 15:44 IST
The National Commission for Scheduled Castes pulled up the Punjab government on Friday over embezzlement of funds meant for the poor under various welfare schemes and asked it to investigate certain identified cases of corruption in this regard within a month.
"The commission will go for a CBI probe into all the identified cases of embezzlement under the Shagun, old-age pension and other welfare schemes if the state government fails to submit its report to us within a month," commission vice-chairman Raj Kumar Verka said at a press conference here.
The panel has also asked the state government to give details of all the identified cases of such embezzlements to either the crime branch of the Punjab Police or the vigilance bureau so that the guilty could be duly punished.
Verka said senior welfare department officials led by principal secretary R Venkatratnam appeared before the commission on Thursday in response to a notice served to the state, and the government acknowledged embezzlement of at least Rs 56 crore, mainly from the funds under the Shagun scheme. The officials also assured the panel that a fact-finding report would be submitted at the earliest.
"Not a single officer even at the district level has been arrested despite the expose of embezzlement of funds meant for the poor," Verka said.
The commission had, on Thursday, specifically asked officials of the state welfare and social welfare departments whether any action had been taken on the bogus claims under the Shagun scheme in Faridkot district. It had also asked them to specify the steps taken to stop the bogus claims, the action taken against the guilty officers, the recoveries made so far, the modus operandi adopted to recover the funds, the number of officials held guilty and the action taken against them and the number of FIRs lodged against the culprits, including the guilty officers and the bogus claimants, and the details of the FIRs.
Verka said the commission was not satisfied with the "incomplete" reply given by state officials in Friday's hearing and, therefore, a one-month notice had now been given to file a complete reply.
Seeks fair probe into Ranike rip-off cases
The commission also demanded a fair investigation into the two cases registered against the PA of former minister Gulzar Singh Ranike for embezzlement of funds released under the minister's discretionary grants quota. Verka said it was unfortunate that there was no major breakthrough in this matter despite the two FIRs against Ranike's close associates.
First Published: Oct 06, 2012 11:48 IST

subset: commoncrawl


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How Well Do Disinfectants Work?
|Time Required
|Short (2-5 days)
|Material Availability
|Specialty items
|Average ($40 - $80)
|Must follow general safety precautions for handling microorganisms.
AbstractGerms are everywhere! We try and clean our home with disinfectants, but do we really get rid of all the germs? Find out with this "hands-on" experiment.
In this experiment you will test several disinfectants to see which ones work best to decontaminate the surface of a cutting board.
Share your story with Science Buddies!Yes, I Did This Project! Please log in (or create a free account) to let us know how things went.
Sara Agee, Ph.D., Science Buddies
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Last edit date: 2017-07-28
When your mom tells you to wash your hands before dinner, she is thinking about all the germs you might have on your hands from touching the world around you. Germs are everywhere! Germs, or microorganisms, that cause illness and disease can grow on many surfaces called fomites. Here is a good description of fomites and how they harbor germs from the American Society for Microbiology:
"Fomites? What are fomites? This is a term for any inanimate object that can carry disease-causing organisms. Your cutting board, kitchen sink, the change in your pocket and even that pen you keep putting in your mouth are all fomites. Very few things we encounter in our everyday activities are sterile, or microbe-free, including us. At birth, microbes immediately begin colonizing our bodies as they do most every object in the world. They float around until they come in contact with a surface that offers food and shelter. You are most likely to find microbes in and on dark, moist objects that frequently come into contact with food, dirt or vegetation. Bathroom surfaces, hairbrushes, refrigerators, kitchen sinks and cutting boards often have lots of microbes on them. But doorknobs and walls have fewer because they are nutrient-poor and dry.
"Most of the microbes on our bodies and other surfaces are harmless, but some are pathogenic or disease-causing. For this reason, we want to control the number of microbes around us. The odds of becoming infected increase with the number of microbes on surrounding objects. But what can we do to affect the number of microbes on surfaces around us?
"In this activity, you will test a chosen fomite for the presence of microbes and the effects of a disinfectant by growing colonies of bacteria in a medium on petri plates. A medium has food, vitamins and salts that help microbes grow. You usually don't see bacterial colonies like those that form on petri plates on everyday surfaces. That's because there is rarely such a perfect concentration of nutrients on fomites in nature." (ASM, 2001)
An agar plate showing colonies of microorganisms that have been isolated from a deep-water sponge. (Wikipedia contributors, 2006; original source of image from NOAA Ocean Explorer)
How well do disinfectants work to clean surface bacteria? In this experiment you will use a cutting board as a fomite and test the use of different brands of disinfectants. By culturing bacteria from the surface after you have cleaned it, you will find out how well the disinfectant worked. Which disinfectants will work the best?
Terms and Concepts
To do this type of experiment you should know what the following terms mean. Have an adult help you search the internet, or take you to your local library to find out more!
- germs
- microorganisms
- bacteria
- fomite
- disinfectant
- How much bacteria can contaminate the surface of a fomite?
- Will the disinfectant work to kill the bacteria?
- Will some disinfectants work better than others?
- American Society for Microbiology (ASM). (n.d.). What is a Microbe? Microbe World. Retrieved July 3, 2014, from http://www.microbeworld.org/what-is-a-microbe
- American Society for Microbiology (ASM). (n.d.). Fun with Fomites - Experiment. Retrieved August 28, 2013, from http://www.microbeworld.org/microbeworld-experiments/fun-with-fomites
- Wikipedia contributors. (2013, April 12). Bacteria. Simple English Wikipedia. Retrieved August 28, 2013, from http://simple.wikipedia.org/wiki/Bacteria
- Wikipedia contributors. (2013, July 30). Disinfectant. Wikipedia, the Free Encyclopedia. Retrieved August 28, 2013, from https://en.wikipedia.org/w/index.php?title=Disinfectant&oldid=566424697
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Materials and Equipment
These items can be purchased from Carolina Biological Supply Company, a Science Buddies Approved Supplier:
- Forceps. Alternatively, clean tweezers may be used.
- Sterile cotton balls. Alternatively, you could use cotton balls from an unopened box.
- Ethanol, 70%, or isopropyl rubbing alcohol. Alternatively, this can be purchased in the disinfectant section of a grocery store or drug store. Note: If you are ordering this chemical through Carolina Biological Supply Company, the chemical must be ordered by a teacher and shipped to a school or business address, so plan accordingly.
- Nutrient agar plates (6)
- Sterile cotton-tipped applicators (6). Alternatively, a new, unopened box of Q-tips or other cotton-tipped applicators may be used.
- Disposable gloves. Alternatively, these can be purchased at a local drug store or pharmacy. If you are allergic to latex, use vinyl or polyethylene gloves.
You will also need to gather these items:
- Large plastic cutting board
- Permanent marker
- Slice of lunch meat, like ham, turkey, or bologna
- Small cups for holding disinfectant solutions (7)
- 5 different disinfectant solutions (some examples below) and water as a control:
- Distilled water from an unopened bottle (sterile)
- 10% bleach (mix 1 part bleach with 9 parts water)
- 70% alcohol (mix 7 parts rubbing alcohol with 3 parts water)
- Lysol
- Antibacterial soap
- Pine-Sol
- Cookie sheet
- Paper towels
- Clear tape
- Optional: A digital camera
- Lab notebook
Disclaimer: Science Buddies participates in affiliate programs with Home Science Tools, Amazon.com, Carolina Biological, and Jameco Electronics. Proceeds from the affiliate programs help support Science Buddies, a 501(c)(3) public charity, and keep our resources free for everyone. Our top priority is student learning. If you have any comments (positive or negative) related to purchases you've made for science projects from recommendations on our site, please let us know. Write to us at firstname.lastname@example.com.
How Well Do Disinfectants Work?
Experimental Procedure
For health and safety reasons, science fairs regulate what kinds of biological materials can be used in science fair projects. You should check with your science fair's Scientific Review Committee before starting this experiment to make sure your science fair project complies with all local rules. Many science fairs follow Intel® International Science and Engineering Fair (ISEF) regulations. For more information, visit these Science Buddies pages: Projects Involving Potentially Hazardous Biological Agents and Scientific Review Committee. You can also visit the webpage ISEF Rules & Guidelines directly.
- Using the permanent marker, divide the cutting board into six sections, numbering each section #1-6 like this:
- Put on your gloves and wipe the piece of lunch meat all over the surface of the cutting board. Wipe evenly over the entire surface in circular motions. Leave out overnight, gross!
- The next day you will cleanse each section of the cutting board with a different disinfectant and then culture the bacteria from each section on a nutrient agar plate.
- Prepare your disinfectant solutions by numbering six small cups #1-6 using your permanent marker. Each numbered cup will match one section of your cutting board fomite.
- Fill each cup with a different disinfectant solution and write it in a data table. You should fill the first cup with water as a negative control.
- In your lab notebook, make a data table like Table 1, to record your results in.
Number Type of Disinfectant Number of Colonies Other Observations 1 Water (control) 2 3 4 5 6
- Using the forceps or tweezers, grab a cotton ball from a NEW, unopened bag of cotton balls. Dip it into one of the solutions, and rub it on the surface of the cutting board in the matching numbered section. Be careful not to let the solution run into another section!
- After each application, throw the cotton ball into the trash and dip your forceps into an extra cup filled with full 70% ethanol or isopropyl rubbing alcohol.
- Repeat steps 7 and 8 until you have applied a different disinfectant to each square of the cutting board. Allow the board to dry completely.
- When all of the sections of the cutting board are dry, you are ready to culture bacteria from each disinfectant treatment. Prepare your nutrient agar plates by numbering the lids #1-6 to match the sections of your cutting board. Arrange the plates on a cookie sheet lined with clean paper towels. DO NOT open the lids yet or you will contaminate your cultures!
- Using the forceps or tweezers, grab a clean cotton-tipped applicator (or Q-tip) from a NEW, unopened box. Holding one end only, swipe the other end across one section of the cutting board using a circular motion. DO NOT allow the tip of the swab to contact anything else!
- With your free hand, open the lid of the matching nutrient agar plate and swipe the cotton-tipped applicator gently across the agar surface using a zig-zag motion. Immediately replace the lid of the agar plate and secure with a few pieces of clear tape. DO NOT set the lid down while you are streaking the agar because this can contaminate the lid and change your results!
- Repeat steps 11 and 12 until you have swiped each section of the cutting board onto a separate nutrient agar plate.
- Leave the nutrient agar plates on the cookie sheet in a warm place for 1-2 days, until bacterial colonies are visible.
- Count the number of colonies on each nutrient agar plate and write your results in the data table in your lab notebook, along with any other observations you have.
- Draw a picture of each plate, noting the size and color of the colonies. If you have a digital camera, you can also take a picture of each plate to put on your Science Fair Project Display Board.
- Graph your results and compare the activities of the different disinfectants. Which sections of the cutting board had the most colonies? Which had the least? Which disinfectants worked the best? The worst? Why do you think you got the results that you did?
Bacterial Safety
Bacteria are all around us in our daily lives and the vast majority of them are not harmful. However, for maximum safety, all bacterial cultures should always be treated as potential hazards. This means that proper handling, cleanup, and disposal are necessary. Below are a few important safety reminders. You can also see the Microorganisms Safety Guide for more details. Additionally, many science fairs follow ISEF Rules & Guidelines, which have specific guidelines on how bacteria and other microorganisms should be handled and disposed of.
- Keep your nose and mouth away from tubes, pipettes, or other tools that come in contact with bacterial cultures, in order to avoid ingesting or inhaling any bacteria.
- Make sure to wash your hands thoroughly after handling bacteria.
- Proper Disposal of Bacterial Cultures
- Bacterial cultures, plates, and disposables that are used to manipulate the bacteria should be soaked in a 10% bleach solution (1 part bleach to 9 parts water) for 1–2 hours.
- Use caution when handling the bleach, as it can ruin your clothes if spilled, and any disinfectant can be harmful if splashed in your eyes.
- After bleach treatment is completed, these items can be placed in your normal household garbage.
- Cleaning Your Work Area
- At the end of your experiment, use a disinfectant, such as 70% ethanol, a 10% bleach solution, or a commercial antibacterial kitchen/bath cleaning solution, to thoroughly clean any surfaces you have used.
- Be aware of the possible hazards of disinfectants and use them carefully.
Explore More!
Interested in the science behind viral outbreaks? Check out Zika Virus.
If you like this project, you might enjoy exploring these related careers:
MicrobiologistMicroorganisms (bacteria, viruses, algae, and fungi) are the most common life-forms on Earth. They help us digest nutrients; make foods like yogurt, bread, and olives; and create antibiotics. Some microbes also cause diseases. Microbiologists study the growth, structure, development, and general characteristics of microorganisms to promote health, industry, and a basic understanding of cellular functions. Read more
Industrial Health & Safety EngineerThink of all the jobs in the world that involve machinery, chemicals, toxins, radiation, loud noise, or travel to places above or below Earth's surface—all of these jobs carry an element of risk to the workers. Industrial health and safety engineers work to minimize this risk. They inspect work sites and help workers and companies understand and comply with safety laws. They use their knowledge of mechanical processes, chemistry, and human psychology and performance to anticipate hazardous conditions. Protecting workers requires excellent communication skills and a strong sense of responsibility. Read more
Biological TechnicianWhat do the sequencing of the human genome, the annual production of millions of units of life-saving vaccines, and the creation of new drought-tolerant rice varieties have in common? They were all accomplished through the hard work of biological technicians. Scientists may come up with the overarching plans, but the day-to-day labor behind biotechnology advances is often the work of skilled biological technicians. Read more
- Disinfectants work to discourage bacterial growth by killing bacteria or retarding growth processes. There are other ways to affect bacterial growth too, like putting your food in the refrigerator or cooking food to a high temperature. Try testing the growth of bacteria in different temperatures. Will they grow in your refrigerator?
- Bacterial colonies come in all shapes and sizes. This is because there are many different species of bacteria with their own characteristics. A single bacteria may be too small too see without a high powered microscope, but you can see a colony with your naked eye. Take some swipes from around your home too see how many different types of bacteria you can find. Can you use clues found by observing the colonies to tell them apart?
- When we think of bacteria we think about germs. Where do you think the most bacteria in your home are? Try swiping different areas of your home to test how much bacterial contamination is there. Test door handles, toilet seats, and trash can lids. Which places in your house have the most germs? For more information about germs, see the Science Buddies experiment Germ Invasion.
Explore More!
Interested in the science behind viral outbreaks? Check out Zika Virus.
Share your story with Science Buddies!Yes, I Did This Project! Please log in (or create a free account) to let us know how things went.
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Kristi1212 said:
2017-12-15 01:22:41
What was the most important thing you learned?
which disinfectant clean better.
What problems did you encounter?
Can you suggest any improvements or ideas?
No ,I enjoyed this project I got first place on all my 3 rd grades at my school.
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Compared to a typical science class, please tell us how much you learned doing this project.
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Accommodations in Yquelon, France
Search 37 Accommodations in Yquelon
Save more with Secret Prices
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Where to stay in Yquelon
Yquelon overviewWhatever your interests are, Yquelon has something for you. Yquelon might not have many attractions within the city, but you won't need to venture far to find places to visit like Granville Golf Club and Richard Anacreon Museum of Modern Art. In the surrounding area, you won't want to miss out on seeing Port of Granville and Notre Dame Church of Cap Lihou.
Where to stay in YquelonA welcoming city for all, Yquelon has a variety of hotels to choose from. You can shop as many as 58 deals for Yquelon accommodations on Hotels.com, some with discounts of up to 25%. We have room prices starting at 34 USD per night and here's a breakdown of hotels by star rating in Yquelon as well as in the surrounding area:
- • 2 5-star hotels from 172 USD per night
- • 14 4-star hotels from 75 USD per night
- • 41 3-star hotels from 59 USD per night
- • 19 2-star hotels from 50 USD per night
How to get to YquelonFly into Dinard (DNR-Dinard - Pleurtuit - Saint-Malo), 29.7 mi (47.8 km) from central Yquelon.
What to see around YquelonHere are some recommended places to see in the surrounding area:
- • Granville Golf Club (1.9 mi/3 km from the city center)
- • Richard Anacreon Museum of Modern Art (2.3 mi/3.7 km from the city center)
- • Port of Granville (2.3 mi/3.7 km from the city center)
- • Notre Dame Church of Cap Lihou (2.5 mi/4 km from the city center)
- • Granville Old Town Museum (2.7 mi/4.4 km from the city center)


text: (The following statement was released by the rating agency) Link to Fitch Ratings' Report: Fitch 2018 Outlook: China Homebuilding here SINGAPORE/HONG KONG, November 28 (Fitch) China's housing market is likely to continue to cool in 2018, with sales growth set to slow across most of the country and house prices likely to stay relatively flat, says Fitch Ratings. However, the authorities have considerable policy flexibility to support housing demand, which limits the risk of a market downturn. We therefore maintain a stable sector outlook for Chinese homebuilders. The Chinese government has imposed tougher rules on home purchases and minimum loan deposits in higher-tier cities since October 2016 to dampen speculation. We do not expect further tightening in 2018, except perhaps in some lower-tier cities in strong economic regions that could see price increases. Most of the existing restrictions are likely to remain in place, but policies could be adjusted to encourage homeownership for first-time homebuyers or to attract skilled labour migration in some cities where house prices have stabilised. The curbs have had a clear impact on the market, reining in house price inflation, tempering home sales growth and encouraging destocking. We expect them to limit any gains in house prices in 2018. Contracted sales growth is likely to slow for most homebuilders, and we forecast that overall housing sales will decelerate to 5%, from 10.9% yoy on a trailing 12-months contracted sales at end-October 2017. The destocking cycle could, however, begin to reverse, as some companies now only have land bank reserves for two to three years of development. A major house price correction is unlikely, given that the authorities directly control many aspects of the housing and mortgage markets. Moreover, the restrictions in higher-tier cities, which have seen the strongest price gains in recent years, have led to considerable pent-up demand that could be released if policy is relaxed. Homebuilders' EBITDA margins could begin to narrow in 2018 and 2019 as homebuilders start to work through their higher-cost inventory in a market where prices are under pressure from government controls. Leverage is likely to remain relatively stable over the next two years, with net debt/adjusted inventory averaging 40%-43% among Fitch-rated homebuilders. Cash flow generation is also likely to remain strong. We maintain a stable sector outlook on commercial property. Mall traffic in higher-tier cities is suffering from strong saturation and competition from e-commerce, with only mature malls in prime locations performing well. We believe these first-tier city malls will achieve low single-digit yoy rental growth in 2018, similar to 2017. However, malls of established operators in less-saturated lower-tier cities are seeing strong traffic growth. Grade A office space in most first-tier cities is likely to remain broadly stable, and we expect the vacancy rate to stay below 15%. However, office assets in Guangzhou and Shenzen, as well as in lower-tier cities, have higher vacancy rates and could be affected by an increase in supply in 2018. Further detailed information can be found in the "Fitch 2018 Outlook: China Homebuilding", which can be accessed through the link above, and our "China Property Watch - November 2017", available at www.fitchratings.com. Contact: Su Aik Lim Senior Director Corporates +852 2263 9914 Fitch (Hong Kong) Limited 19/F Man Yee Building 68 Des Voeux Road Central Hong Kong Dan Martin Senior Analyst Fitch Wire +65 6796 7232 Media Relations: Leslie Tan, Singapore, Tel: +65 67 96 7234, Email: firstname.lastname@example.com; Wai-Lun Wan, Hong Kong, Tel: +852 2263 9935, Email: firstname.lastname@example.com. The above article originally appeared as a post on the Fitch Wire credit market commentary page. The original article can be accessed at www.fitchratings.com. All opinions expressed are those of Fitch Ratings. ALL FITCH CREDIT RATINGS ARE SUBJECT TO CERTAIN LIMITATIONS AND DISCLAIMERS. PLEASE READ THESE LIMITATIONS AND DISCLAIMERS BY FOLLOWING THIS LINK: here. IN ADDITION, RATING DEFINITIONS AND THE TERMS OF USE OF SUCH RATINGS ARE AVAILABLE ON THE AGENCY'S PUBLIC WEB SITE AT WWW.FITCHRATINGS.COM. PUBLISHED RATINGS, CRITERIA, AND METHODOLOGIES ARE AVAILABLE FROM THIS SITE AT ALL TIMES. 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In issuing and maintaining its ratings and in making other reports (including forecast information), Fitch relies on factual information it receives from issuers and underwriters and from other sources Fitch believes to be credible. Fitch conducts a reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology, and obtains reasonable verification of that information from independent sources, to the extent such sources are available for a given security or in a given jurisdiction. The manner of Fitch's factual investigation and the scope of the third-party verification it obtains will vary depending on the nature of the rated security and its issuer, the requirements and practices in the jurisdiction in which the rated security is offered and sold and/or the issuer is located, the availability and nature of relevant public information, access to the management of the issuer and its advisers, the availability of pre-existing third-party verifications such as audit reports, agreed-upon procedures letters, appraisals, actuarial reports, engineering reports, legal opinions and other reports provided by third parties, the availability of independent and competent third- party verification sources with respect to the particular security or in the particular jurisdiction of the issuer, and a variety of other factors. Users of Fitch's ratings and reports should understand that neither an enhanced factual investigation nor any third-party verification can ensure that all of the information Fitch relies on in connection with a rating or a report will be accurate and complete. Ultimately, the issuer and its advisers are responsible for the accuracy of the information they provide to Fitch and to the market in offering documents and other reports. In issuing its ratings and its reports, Fitch must rely on the work of experts, including independent auditors with respect to financial statements and attorneys with respect to legal and tax matters. Further, ratings and forecasts of financial and other information are inherently forward-looking and embody assumptions and predictions about future events that by their nature cannot be verified as facts. 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Due to the relative efficiency of electronic publishing and distribution, Fitch research may be available to electronic subscribers up to three days earlier than to print subscribers. For Australia, New Zealand, Taiwan and South Korea only: Fitch Australia Pty Ltd holds an Australian financial services license (AFS license no. 337123) which authorizes it to provide credit ratings to wholesale clients only. Credit ratings information published by Fitch is not intended to be used by persons who are retail clients within the meaning of the Corporations Act 2001


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Bindi Irwin & Derek Hough React To His 2016 Emmy Nomination
Derek Hough is up for another Emmy for Outstanding Choreography!
The 31-year-old pro dancer and entertainer headed to Instagram, reacting to the news after the announcement came earlier this week.
WOW!!! Thank you so much to the #Emmys for the nomination! Always such an honor!! I also want to thank my beautiful partner @bindisueirwin for inspiring me and allowing me to create for her," Derek wrote. "It was a such a special season:) I want to give a HUGE shout out to the @dancingabc production team for always bringing the choreographers ideas to life."
Bindi Irwinadded on her Instagram, "Wishing @derekhough and the entire @dancingabc family the biggest congratulations for the Emmy nominations. Incredibly blessed to have been a part of the magic that is created on the show. Derek, you inspire people all over the world every day through what you create, thank you for letting me be a part of the journey last year."
Derek was nominated for three of their performances on Dancing With The Stars — their Foxtrot, Argentine Tango and Freestyle. You can watch them all below!
Posted to: 2016 Emmy Awards, Bindi Irwin, Dancing With the Stars, Derek Hough


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Statement By Brent Bozell Regarding the Attack Against Christians By NBC's
Today Show
Apology Demanded For "One Of The Most Insidious
And Bigoted Attacks Against Christians Ever Seen"
"We waited a full day before reacting to the offensive attack against Christians by NBC's
Today Show in hopes an apology would be forthcoming. Hearing none, we have no choice but to condemn the network, its producers and on-air talent for one of the most insidious and bigoted attacks against Christians ever seen.
"David Gregory's report on yesterday's show laid the blame for Matthew Shepard's murder directly at the feet of Christians. For NBC and the
Today Show to even think about airing such a report betrays the overwhelmingly anti-religious bias in the media.
"Katie Couric, David Gregory, the producers of the
Today Show, and NBC News executives owe all Christians - and all Americans for that matter - an immediate apology for this vicious attack. How dare anyone suggest the Christian message of love is responsible for the awful murder of Matthew Shepard?"
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text:
Compressed Air Systems
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text:
NVHomes Announces Grand Opening for the New Empress Model at Autumn River in Ellicott City, MD
Feb 01, 2013, 04:40 EST
ELLICOTT CITY, Md., Feb. 1, 2013 /PRNewswire/ -- NVR, Inc. (NYSE: NVR), one of the nation's largest homebuilding and mortgage banking companies, will celebrate the Grand Opening of the new Empress model home at Autumn River in Ellicott City, Maryland. The new community of luxury estate single family homes places an emphasis on nature, amenities and relaxation. Homes at Autumn River are priced from the mid $600's.
Practical design meets graceful luxury in the Empress. Walk into the open, airy foyer to find elegant waterfall stairs and beautifully appointed columns. Double doors lead into a quiet yet accessible study. The kitchen is warm and inviting, with a huge center work island and a walk-in pantry. The family room opens to the dining room and boasts plenty of light. Upstairs are 4 bedrooms, a spacious hall bath with dual vanities, and a coveted second-floor laundry. The owner's suite is an enormous retreat with dual walk-in closets. The owner's bath features a corner soaking tub, dual vanities, a separate shower with seat and compartmentalized water closet.
Autumn River is surrounded by the breathtaking Patapsco State Park. Residents can enjoy the many amenities of neighboring Taylor Village, including shopping, a fitness center, indoor and outdoor pools and more. Set in an ideal location, Autumn River is just 1 mile to Route 103, 2½ miles to Route 100 and 1½ miles to Historic Downtown Ellicott City.
Like all new NV homes, those at Autumn River are fully ENERGY STAR® Certified, yielding monthly utility bills up to 30% lower than standard homes, according to the EPA. All NV homes also carry 10-year structural warranties, and are independently verified for quality by a third-party inspection company.
For further information about the new NV homes at Autumn River, please phone (410) 747-1890 or visit NVHomes.com. You can also follow NVHomes through social media on Facebook, Google+ and Twitter.
About NVR
NVR, Inc. operates in two business segments: homebuilding and mortgage banking. The homebuilding unit sells and builds homes under the Ryan Homes, NVHomes, Fox Ridge Homes and Heartland Homes trade names, and operates in 27 metropolitan areas in 15 states and Washington, D.C. For more information about NVR, Inc. and its brands, see www.nvrinc.com, www.ryanhomes.com, www.nvhomes.com, www.foxridgehomes.com and www.heartlandcustomhomes.com.
The information in this press release is subject to change and the pricing and other features of any NVR-built homes will be established at the time of sale. ENERGY STAR is a registered trademark owned by the U.S. government.
SOURCE NVR, Inc.


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UCD is a probably the dominant design methodology in the design of interfaces and systems. First defined by D. Norman in 1998, Normal itself present an alternative to the model named Activity Centered Design.
In this presentation you will find the basic concepts of UCD: What it is? (philosophy and principles), How to use it? (methodology and basic tools) and finally, point some alternatives to UCD method as: Activity Centered Design (ACD) or Goal Directed Design developed by Alan Cooper.


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Tiles from Vauluisant monastery
2 small medieval floor tiles from fifteenth century. Abbey Vauluisant is a Cistercian monastery build in the twelfth century. Both tiles are in good condition, both still have a lot of the Original glaze, some scratches to glaze and some small chips to sides. Provenance; French collection.
Artikel nummer: MF752
Land: France
Datering: XV century
Afmeting: Size: Each tile 11 x 11 x 2.7 cm
Verzendopties: Including shipping
Interested to buy?


text: Ok so my lovely G3 iMac has done me well since I got it and is running Tiger nicely, only problem is like no disc space on the system drive, and I was trying to install Xcode to do some school work but theres not enough room. I tried everything to reduce the space and erase files I didnt need and move everything I could to the second partition, but there's still less than a gig free. From everything I've read your supposed to have the 8gb partition or it wont boot os x, but is there any way around this? or possibly I misread and my mac isn't affected by this? (its a slot loader) I tried installing without a partition once ( the installer didn't say anything about it, not sure if its supposed to or not) and it ran fine for a while, then the hard drive gave out, but it was a used hard drive and the place I got it from couldn't get it working after that either. I wasn't sure if it crashed cuz of not having the partition or if it was just a crappy hard drive, but I didn't wanna risk it again. Maybe i'm just shooting in the dark here, but does anyone have any ideas? Thanks.


text: Wee Binnian 460m hill, Mourne Mountains Ireland at MountainViews.ie Guestuser: Login or enrol? Home Main Display Find a Walk Display INTRODUCTION New New Contributions Newsletters Challenge Walks News Tracks, Walks Upload a track Find a Walk SECONDARY OPTIONS: View all tracks secondary method View your tracks secondary method Challenge Challenge Walks Calendar Challenge Walks News Community Rising Summiteers Summiteers Hall of Records Irish Munroists Recent Contributors Contributors Hall of Fame Credits Lists, Completion & Awards Lists & Logs Irish County Highpoints Local 100 Irish Highest 100 Vandeleur-Lynams Arderins Arderin Begs Arderins + Arderin Begs Irish Best rated Irish 900 up Irish Island Munros All Twenty-Four Lists & Personal Log Log Analysis My Contributions & Profile Listing Programs Simple Irish Listings Simple Irish & British Listings More Guidelines Using the Service Comments Photos Statistics Conditions of Use Resources Links Motley Views General Forum Suggestions Forum Bibliography Welcome to MountainViews If you want to use the website often please enrol (quick and free) at top right. Overview Detail Legend Zoom: ?? Overlay features legend For more map options click on any overview map area or any detail map feature. Detail Map Features Showing 16 items: Slieve Binnian 745.9m, Slieve Binnian North Top 678m, Slieve Binnian North Tor 670m, Slieve Binnian East Top 630m, Wee Binnian 460m, Slievenaglogh 445m, Tracks: 2672, 38km 3423, 25km 3381, 23km 668, 21km 3258, 20km 2001, 19km 2286, 18km 3889, 17km 2546, 16km 1272, 14km Find Suggested WalksOpen walks finder Find hill, mountain, island, coastal feature. Videos Recent Contributions 1 2 3 .. 23 Next page >> The Chronicles of Mourne Forum: General mcrtchly 5 hours ago MV members might be interested in a new four part TV programme which follows the seasons of the Mourne Mountains. The series is called the Chronicles of Mourne and charts a season in each programm... Highwayman A route 2018 Track 3962 jackill a day ago Highwayman A - 2018. This years route was slightly less than the 2017 route due to weather conditions. walk, Len: 25.1km, Climb: 580m, Area: Knockshanahullion, Knockmealdown Mountain... Just Dooish ! Track 3486 pazapas a day ago ?The walk is a simple 24.5km loop all inside Glenveagh National Park. The entrance is free of charge.The route is made walk, Len: 24.5km, Climb: 898m, Area: Donegal NW (Ireland) Crockmulroney, Doo Lough Curra Circuit Track 3961 Jim Holmes 2 days ago A simple enough route, but very rewarding - from the Cush carpark, head upwards to Lough Curra. Then it's up to the mi... walk, Len: 12.9km, Climb: 1011m, Area: Galtymore, Galty Mountains (Ireland) G Slieve Binnian: Mind how you go on a route Not Recommended Summit Comment Pepe 4 days ago Climbed this yesterday on the route leading from Brackenagh Bridge. Chose this route because I wanted to do Moolieve and the Wee Binnian on the way up. On a plus note a local farmer kindly let me ... Croghan Kinsella Track 3959 jgfitz 3 days ago This is a variation on track #3938, so I will avoid repeating the comments made there, with which I fully agree. This... walk, Len: 11.4km, Climb: 412m, Area: Croghan Kinsella, Dublin/Wicklow (Irelan An Bhinn Bhuí: A spectacular landscape Summit Comment Damian120 4 days ago It's a seldom-visited area of County Mayo yet it boasts some of the most impressive coastal architecture in the entire country. After spending five years covering and exploring the landscape of th... Buckaun - Binnaw circuit. Track 3960 simon3 4 days ago Hydro scheme at Lough Nadirkmore.The walk starts from a point high in an east facing coum of Maumtrasna. This road goes walk, Len: 5.8km, Climb: 368m, Area: Partry/Joyce Country (Ireland) THE POWER OF WORDS Forum: General Pepe 4 days ago There I was scratching around on Slieve Binnian. Up top, I bumped into a couple out hillwalking for the day. Pleasantries were exchanged – which way did you come up, fabulous views, the weather – ... Cnoc na Boirne: Murren.....a little gem. Summit Comment jsramsey1491 3 days ago Last Thursday, 18/10/2018, a few friends and I did a recce on Murren Hill and the surrounding area. We have over the past twenty years or so covered most of the county but this was the first time ... Big Collin: Permission required? Summit Comment StephenMullin 2 weeks ago Hi thereCan anybody tell me if permission is required to walk up Big Collin? If so, how does one go about obtaining this?Many thanks! Knocknalougha South Top Track 3958 Onzy 5 days ago Route to Knocknalougha South Top from Crow Hill carpark ... as outlined by melohara on the Hill Page... walk, Len: 11.7km, Climb: 430m, Area: Knocknalougha South Top, Knockmealdown Mo... Most Recent Monthly Newsletter. Conditions and Info Use of MountainViews is governed by conditions. General information about the site is here. Opinions in material here are not necessarily endorsed by MountainViews. Hillwalking is a risk sport. Information in comments, walks or shared GPS tracks may not be accurate for example as regards safety or access permission. You are responsible for your safety and your permission to walk see conditions. Credits and list definitions are listed here Credits RSS Feed for Recent Items. Visit our Facebook page. Video display Mourne Mountains Area More detail Place count in area: 59, OSI/LPS Maps: 20, 29 Highest place: Slieve Donard, 850m Maximum height for area: 850 metres, Maximum prominence for area: 822 metres, Places in area Mourne Mountains:Ben Crom 526mButter Mountain 500mCarn Mountain 585.2mCarn Mountain North Top 553.7mChimney Rock Mountain 656mCock Mountain 504mCock Mountain South-West Top 505mCove Mountain 654.8mCrenville 460mCrossone 540mCrotlieve Mountain 347mDoan 592.6mEagle Mountain 638mFinlieve 578mGruggandoo 382mHen Mountain 354mKnockchree 306mKnockiveagh 235mMillstone Mountain 460mOtt Mountain 526.8mPigeon Rock Mountain 534mPigeon Rock Mountain South Top 530mRocky Mountain 404mRocky Mountain 524mShanlieve 626mSlieve Bearnagh 739mSlieve Bearnagh North Tor 680mSlieve Beg 595.9mSlieve Binnian 745.9mSlieve Binnian East Top 630mSlieve Binnian North Top 678mSlieve Binnian North Tor 670mSlieve Commedagh 767mSlieve Corragh 640mSlieve Donard 850mSlieve Loughshannagh 617mSlieve Meelbeg 701.9mSlieve Meelmore 680mSlieve Muck 670.4mSlieveacarnane 296mSlievegarran 391mSlievelamagan 702.2mSlievemartin 485mSlievemeel 420mSlievemeen 472mSlievemoughanmore 560mSlievenaboley 324mSlievenaglogh 445mSlievenaglogh 586mSlievenaglogh East Top 575mSlievenalargy 280mSlievenamiskan 444mSlievenaslat 272mTievedockaragh 473mWee Binnian 460mWee Slievemoughan 428mSlieve Croob: Cratlieve 429mSlieve Croob 534mSlievenisky 446m Note: this list of places includes island features such as summits, but not islands as such. Centre on map. Wee Binnian Hill Broinn Bhinneáin A name in Irish (Ir. Broinn Bhinneáin [PNNI], 'breast of Binneán') Down County, in Carn List, Granite granophyre Bedrock Height: 460m OS 1:50k Mapsheet: 29 Grid Reference: J31685 22582 Place visited by 167 members. Recently by: Pepe, trostanite, seamaspeineas, Johnooh, msammon, BillSloan, PByrne, Xiom5724, Owenloughrey, atlantic73, bryanjbarry, LorraineG60, LorraineG, David-Guenot, Lauranna I have visited this place: NO (You need to be a logged-in member to change this.) More detail Longitude: -5.986045, Latitude: 54.135501 , Easting: 331685, Northing: 322582 Prominence: 45m, Isolation: 0.8km ITM: 731605 822594, GPS IDs, 6 char: WBnn, 10 char: We BinianBedrock type: Granite granophyre, (Mourne Mountains granite) Wee Binnian is the 689th highest place in Ireland. Trackback: https://mountainviews.ie/summit/583/?PHPSESSID=9bbijkb39j8f63l86obdg3kh60 Rate Gallery COMMENTS for Wee Binnian 1 of 1 Picture from group : Walkers approaching Wee Binnian by the track above Binnian Cross Roads. Picture: Walkers approaching Wee Binnian by the track above Binnian Cross Roads. A distinctive, small, craggy topped hill. Short Summary created by Harry Goodman, 23 Jul 2012 This is a top that is seldom visited by hill walkers in it's own right but rather as an additional top on an ascent of Slieve Binnian. Two approaches are suggested, the first of which, from the Silent Valley Reservoir Car Park, involves a charge, and the second from Binnian Cross roads with no charge! Route 1: From the car park walk N towards the reservoir and then take a track into the trees on the right to pick up a boundary wall J308214 A. Cross over and follow another wall going NE uphill crossing the minor summit of Moolieve en route. Continue gently down along the line of the wall before climbing up steeply to Wee Binnian's craggy top and fine views down to the reservoir and it's surrounding peaks and S across the long shoulder of Eagle Mt, Shanlieve and Finlieve to the more distant Sleve Foye. Some 4k out and back. Route 2: Park at the roadside J324212 B, taking care not to block access for traffic, and go N along a good stone track, to it's end and then over the Cross Water stream to pick up a less distinct but clear track up to a col and stone wall. Follow the wall steeply SW to the top. Apart from the short climb from the col this is a walk with a gentle ascent and is just over 4k out and back. Trackback: https://mountainviews.ie/summit/583/comment/5342/ Picture from csd : Wee Binnian (L) and Slieve Binnian (R), viewed from the track. Picture: Wee Binnian (L) and Slieve Binnian (R), viewed from the track. csd on Wee Binnian, 2009 by csd 25 Jan 2009 I approached Wee Binnian from the south, parking the car at the start of the track at J32387 21191 C. I headed north, following the track as far as J32350 22011 D, heading NW across the boggy grass to the gap between Wee Binnian and Slieve Binnian. Very straightforward navigation, and some nice views from the summit. I then followed the wall NE to the main Binnian summit area. Trackback: https://mountainviews.ie/summit/583/comment/3546/ Your Score: Very useful << >>Average Tour of the Silent Valley by hbowman 16 Aug 2010 I climbed this mountain last saturday as part of a circuit tour of the Silent Valley. Starting at the head road, we followed the Mourne wall up Slievenaglogh which offered amazing views of the Silent Valley and Ben Crom reservoir. We made our way through a pathless, heathery valley towards Miners Hole River. After crossing the river, the Silent Valley became visible again as we headed along a path toward Ben Crom river. After crossing the latter, we were virtually level with the waters of the Silent Valley. Thereafter, we climbed the steps towards Ben Crom Dam. At the top of the steps, Ben Crom reservoir appeared, as we made our way toward the Lamagan/Binnian colony. We then began the ascent of my favourite part of the walk - the back castles of Binnian. It is quite steep at the start, but it does become considerably flatter at the North Tor. For those considering doing this walk for the first time, be sure to look back through the tors towards the eastern Mournes. It is possible to see Donard sandwiched between the Back Castles. As we approached the South Tor, an amazing panorama occured. Previously, I had been advised that when the sun shines on a particular mountain, a shadow of that mountain may be cast into the nearby valley. I witnessed this phenomena as Lower Cove cast its shadow into the Annalong Valley. The shadow reached as far as the Hare's Castle. Upon reaching the South Tor, the Silent Valley became visible. The South Tor has to be one of the Mournes gems. I would be hard pushed to name another mountain which has such extensive views. Hikers can not only see most of the Mourne mountains, but also, on a clear day, the Isle of Man, Great Sugar Loaf of the Wicklow mountains and the Carlingford Hills may be identified. Thereafter, we started the descent towards Wee Binnian, keeping the wall to our left and the Silent Valley to the right. This was the trickiest part of the walk, but one which offers amazing views towards the Irish Sea. After crossing over a stile, we passed through the keyhole in Wee Binnian. At this point, the Silent Valley becomes hidden, but it is possible to see Doan. After coming through the keyhole, we continued the descent toward Moolieve. Eventually, we came to stile. Before climbing, the whole of the Silent Valley once again become visible with Slievenaglogh in the background. We continued toward a nearby forest which had a lane. The lane took us across the front of the Silent Valley - great views toward Binnian, Slievenaglogh, Doan, Ben Crom, Slieveloughshannagh. The full walk is approxiamately 10 miles, but one which I would strongly recommend as it had so many treasures - views of both reservoirs from Slievenaglogh, Ben Crom reservoir, extensive views from Binnian and through the Back Castles, Lower Cove's shadow towards Hare's Castle, the keyhole of Wee Binnian, the view of Silent Valley from Moolieve - being the most notable. This was arguably the best day walk I've ever had in the Mournes. Trackback: https://mountainviews.ie/summit/583/comment/6022/ Your Score: Very useful << >>Average Picture from wicklore : Little Wee Binnian as viewed from across the Silent Valley Reservoir Picture: Little Wee Binnian as viewed from across the Silent Valley Reservoir wicklore on Wee Binnian, 2009 by wicklore 18 Nov 2009 Wee Binnian is a little stump of a hill that sits very much in the shadow of its bigger neighbour, Slieve Binnian. It is an outcrop of granite that juts out of the southern slope of Slieve Binnian, and the Mourne Wall dutifully runs over it on its way to/from Slieve Binnian.Starting from the Silent Valley Reservoir car park (4.50 for relatively secure parking, Euro not accepted) I found a track near the duck pond which led through the trees to the start of the Mourne Wall. A stile gets you over another wall to begin the haul up alongside the main Mourne Wall. It is then a simple case of following the wall up and over Moolieve, and on to Wee Binnian. The views open up of the Silent Valley, with Slievenaglogh featuring prominently on the other side of the reservoir. Near the summit of Wee Binnian tracks skirt to the left to avoid steep mini-cliffs of granite. The summit is one large lump of granite with the usual cracks, striations and hollows of erosion. The steep slope of mighty Binnian looms immediately to the north and almost overwhelms this little lump. Further afield Doan, Carn Mountain and Slieve Muck rise in the bog to the NW. Knockchree and Slieve Foye appear out of the clouds to the SW, while to the south and east flat farmland leads to the sea. However the best views are the immediate ones - Slieve Binnian, the reservoir below and Slievenaglogh.The ramble up and down from the car park took under two hours. Even though I was so close to the busy park below no one else had ventured up so it was quite peaceful. Trackback: https://mountainviews.ie/summit/583/comment/4273/ Your Score: Very useful << >>Average Picture from paulocon : Meet the Binnians! Picture: Meet the Binnians! Forever in the shade by paulocon 7 May 2010 Despite passing by Wee Binnian now on a few occassions, I have never felt the need to climb to it's summit proper. Wee Binnian is very much in the shadow of it's bigger brother. I bypassed the summit proper while doing a round of the Mourne Wall aiming for the prominent gap to the left of the wall. Must make an effort to scale it's rocky summit when next passing by! Trackback: https://mountainviews.ie/summit/583/comment/4686/ Your Score: Very useful << >>Average Picture from BleckCra Wee little tiny wee little Ben by BleckCra 2 Nov 2017 I'm not quite sure what Wee Binnian is - although I don't expect I'll have to wait long to find out. Maybe a Marylin or a Manson or a Pike with a Triple Half Tuck. Still, labels off, it is a wee hill. That's what Scotsmen call mountains. Such a self effacing race. It comes to you courtesy of Moolieve, out of the Silent Valley and is kind of like a stone in your shoe, picked up enroute to Slieve Binnian. Moolieve - conflation of Mool and Slieve, anglicised from the Irish Meaul and Sliabh. Hill bald hill. Trust me. Sometimes confused with Mournelive but nothing quite as grand. You can sidle past it on that mission or you can clamber on to its tiny frame where a smart man proceeds via its small and awkward gully - and if not enobled, will at least be improved. It presents a tough final pull on to the little ben - seems to be tighter than from the standard Carricklittle attack - and empties you on the foot of the summit tor, a locus hillwalking clubs call "where we'll have lunch" - so the bedrock is a blend of G1 granite, Old Spice and pulverised energy bars. "You should try these Doris. They're wonderful." No they're not and they taste sh1t. Wee Binnian. Not much else to commend it other that it was the inspiration for the biggest walking club in .... somewhere or other - which can be no bad thing. "You should try these Doris" etc etc .... The gully scramble is not extreme but will kill a fool. Wee Binnian. From the Scots and the Irish. Wee little ben - Ah the lovely! Trackback: https://mountainviews.ie/summit/583/comment/19778/ Your Score: Very useful << >>Average (End of comment section for Wee Binnian.) Some mapping: Open Street Map (Various variations used.) British summit data courtesy: Database of British & Irish Hills (Creative Commons Licence) MountainViews.ie, a Hill-walking Website for the island of Ireland. 11 Million Visitors Per Year. 1300 Contributors.


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From Smart Money.....IT'S 4 IN THE MORNING and you're wide awake, tossing and turning — and not just because you overindulged in the cheese plate last night. Your mind is gnawing on questions about the future: Have I saved enough for retirement? Am I overexposed to the roller-coaster stock market? Am I going to have to downsize my living arrangements from beach house to beet farm?This year, in a demographic milestone, the first of the baby boomers are cashing Social Security checkshttp://tinyurl.com/6n7nfwBirgit
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Finding a great place to get your brows done can be hard to find. I am so excited to share where to go for an amazing eyebrow design if you are in the L.A. area. Angelina Mancinas is a master eyebrow specialist and makeup artist that I highly recommend! She offers eye brow design and even a service called eye brow extensions. Follow her on Instagram to see some of the amazing before and after pictures.
With two locations, Neihule Salon downtown and Winxed in Beverly Hills you have options of where to book. I love the downtown location, the salon is beautiful! It is an amazing treat to find someone as talented and super sweet as Angelina. You can visit her beautiful website for more information on services and location information here.


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hey kids,
for those of you that dont like the name of some kid being whispered in to your ear at random intervals as you listen to the sub par audio quality of the album i made that you got but didnt buy... this is for you!
starting today "flyentology" is out on itunes! the song, as you know, features the one and only TRENT REZNOR (evil mastermind and genius of NINE INCH NAILS fame)!!!
if you are feeling the song (and album) please jump on itunes and support. dont be afraid to write a glowing customer review, either...
hope you all enjoy...stay tuned for the flyentology video, which is in production now. its a full on animated video by the freaks at ADULT SWIM (cartoon network) and should be done very soon.
love, el


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(Actual color may vary between productions)
Now Viewing:
Product Highlights
You Pay: $151.95
The Silver Shrink Mirror from Rosco is designed to give the same appearance and reflectance of a glass mirror, which can be used in many different lighting applications. This Shrink Mirror is a lightweight alternative to a mirror, which carries the risk of being too heavy or the glass breaking during transport.
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On the Edge
The Hidden Art of Fore-Edge Book Painting
Book title: Roderick, the last of the Goths, v.2
Southey, Robert.
Roderick, the last of the Goths. 5th edition. London, Printed for Longman, Hurst, Rees, Orme, and Brown, Paternoster-Row, 1818.
2 vols., 12mo, contemporary full green straight-grain morocco, gilt, gilt edges; small stains on cover, very slightly rubbed. In a cloth slip case.
A fine example of the art of fore-edge painting, each volume bearing a double painting on the fore-edge, as follows:
Vol. 1: The Gate House, Highgate, showing a street and houses. The Tower of London, with ships at anchor in the Thames River.
Vol. 2: The Foundling Hospital, with street and carriage, etc. in the foreground. London from Highgate, with houses and field in the foreground. With the Reginald Gurney bookplate.
I. Title.
Fore-edge/fanned to the left
Cities & Towns


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[email protected]
Visual communication of all disciplines. Web and graphic design, branding and information design including typography, printing and illustration. The business of creativity and freelancing; workflow, project management and dealing with clients.
Hundreds of websites and blogs are out there hoping to satisfy this demand but some stand out as shining beacons amongst the seas of recycled claptrap and copy and paste mediocrity.


text: Little Big Town Joins Darius Rucker to Announce Final Nominees for CMA Awards Wednesday, Sept. 3 Live on Good Morning America Scott Frans August 26, 2014 Hosted for the Seventh Time by Brad Paisley and Carrie Underwood, "The 48th Annual CMA Awards" Airs Live Wednesday, Nov. 5 on the ABC Television Network NASHVILLE – Reigning CMA Vocal Group of the Year Little Big Town will join CMA Award winner Darius Rucker Wednesday, Sept. 3 in New York City for the announcement of the final nominees for "The 48th Annual CMA Awards," which airs Wednesday, Nov. 5 (8:00-11:00 PM/ET) on the ABC Television Network. "We are thrilled to be a part of the CMA Awards announcements on GMA next week," exclaimed Kimberly Schlapman of Little Big Town. "The CMA and GMA have always been huge supporters of this band so anything we can do to be involved is always fun for us. We are looking forward to unveiling all of the nominees with our buddy Darius." Country Music will take over New York City on Wednesday, Sept. 3. The day begins with Rucker performing "Homegrown Honey," the debut single from his upcoming new album to be released in early 2015. Following his performance, he will be joined by Little Big Town for the announcement of the final nominees in five CMA Awards categories live from the "Good Morning America" studios in the heart of Times Square on the ABC Television Network. The announcement will air in the 8:30 AM/ET half-hour segment of the top-rated, morning news program. Following "Good Morning America," Little Big Town and Rucker will be at the Best Buy Theater in Times Square to announce the finalists in the remaining seven categories along with the announcement of the CMA Broadcast Awards for Personality and Radio Station of the Year. There will be an additional presentation by the CMA Foundation's Keep the Music Playing music education campaign. This event will be streamed live via CMAawards.com beginning at 10:00 AM/ET. Nightfall brings the 10th anniversary celebration of the CMA Songwriters Series at the Best Buy Theater with Rucker and hit tunesmiths Rivers Rutherford and series host Bob DiPiero for an in-the-round presentation of the songs that have touched the lives of millions of music fans. Luke Laird, who received three CMA Awards nominations in 2013, including Song of the Year for "Pontoon," has been added to the show, which will be streamed live via CMASongwritersSeries.com. Tickets for the Sept. 3 (8:00 PM/ET) CMA Songwriters Series at the Best Buy Theater are $55 plus tax and applicable fees. Tickets are General Admission. Attendees must be 21 and over unless accompanied by an adult. Tickets are on sale now at the Best Buy Box Office, BestBuyTheater.com, or by calling (888) 9-AXS-TIX or (888) 929-7849, for more information please visit CMASongwritersSeries.com. Collectively, Little Big Town has earned more than 25 award nominations, including 15 CMA Awards nods and they have taken home trophies for CMA Single of the Year (2012, "Pontoon") and CMA Vocal Group of the Year (2012, 2013). They have also won a Grammy Award for Best Country Group/Duo Performance ("Pontoon") and an Emmy (Outstanding Original Song, "Good Afternoon"). Critically-acclaimed, the group consists of members Karen Fairchild, Phillip Sweet, Schlapman, and Jimi Westbrook. They first entered the music scene more than 15 years ago with hits such as "Boondocks," "Bring It On Home," "Good As Gone," and the Grammy-nominated single "Little White Church." The quartet's fifth studio album Tornado was released in September 2012 and debuted at the top of the Billboard Country Chart where it stayed in the No. 1 position for five consecutive weeks. The album has been certified Platinum with sales of more than 1 million copies and features the No. 1 hits "Pontoon" and "Tornado." Little Big Town recently completed their sixth studio album working again with producer Jay Joyce. The first single off of the new album entitled "Day Drinking" is quickly climbing the Country radio charts. The album, entitled Pain Killer, is set for release on Oct. 21. For more information on Little Big Town please visit littlebigtown.com. The CMA Awards nominees and winners are determined by more than 7,400 professional members of CMA, which was the first trade organization formed to promote an individual genre of music in 1958. Winners of "The 48th Annual CMA Awards" will be determined in a final round of voting by eligible members of CMA. CMA Awards balloting is officiated by the international accounting firm of Deloitte & Touche LLP. Tickets for "The 48th Annual CMA Awards" go on sale to the public Saturday, Sept. 6 (10:00 AM/CT). Tickets can be purchased at ticketmaster.com; by calling (800) 745-3000; or in person at the Bridgestone Arena Box Office, located at 501 Broadway (corner of Fifth Avenue and Broadway, Nashville). CMA Awards information is available at CMAawards.com. Or follow the conversation on Twitter at #CMAawards. "The 48th Annual CMA Awards" is a production of the Country Music Association. Robert Deaton is the Executive Producer and Paul Miller is the Director. The CMA Awards will be shot in high definition and broadcast in 720 Progressive (720P), ABC's selected HDTV format, with 5.1 channel surround sound. About "Good Morning America": Emmy-award winning "Good Morning America" is a two-hour, live program anchored by Robin Roberts and George Stephanopoulos, and Lara Spencer. Amy Robach is the news anchor and Ginger Zee is the weather anchor. The morning news program airs Monday-Friday (7:00-9:00 AM/ET) on the ABC Television Network. About the CMA Awards: The first "CMA Awards Banquet and Show" was held in 1967. The following year, the CMA Awards was broadcast for the first time – making it the longest running, annual music awards program on network television. The Awards have aired on ABC since 2006. ABC will be the network home of the CMA Awards and CMA's other two television properties, "CMA Music Festival: Country's Night to Rock" and "CMA Country Christmas," through 2021.


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Ready to roll up your sleeves and dig into some made-from-scratch (with lots of love) greatness? Browse our menu and see whats cooking!Browse our Menu
Ready to roll up your sleeves and dig into some made-from-scratch (with lots of love) greatness? Browse our menu and see whats cooking!Browse our Menu
You want what you want – when you want it: Which is NOW. Order online from the Web or any mobile device and skip the wait!Order Online!
Interested in being part of an environment that is fun, fast-paced and rewards performance? Contact us about your place on the team!Come Work for Us
Shortly after serving our first Buffalo Quesadilla near Midtown St. Louis in 2004, we began to suspect there was something truly special about what we had created.
What else would have been compelling these wonderful people we called customers to keep coming back time and time again? We had already ruled out the ambiance and charm of our little storefront: A single room with no air conditioning, bereft of tables or chairs and a décor that could only be described (charitably, mind you) as an indoor hot dog stand. We also had some doubts that it was our catchy name at that time – "CasaDilla" – or the sophistication of our marketing campaign, but hey: Napoleon Dynamite's Grandma and her famously broken English made for some compelling coattails to ride… and our explosion onto the social media scene was still a few years away. With all those boxes filled with "X's" we could only surmise that the frequency of return visitors must have something to do with our food – and this has driven us towards a singular focus on producing a standout product ever since.
For the avoidance of doubt: Excellent customer service has been an essential part of what we do from the very beginning, but our true competitive advantage, the "secret sauce" of Global Quesadilla if you will, is the monstrous portions of unbelievably good food we serve up like clockwork. So, we embraced and developed this strength like a proverbial one-trick-pony and the rest is, well kind of history – "our story".
Knowing where our, err, tortilla is buttered, we work constantly on building new, from-scratch recipes to amaze and delight our customers. What's more, we flat-out refuse to compromise on the quality of the ingredients in our food and have committed to producing everything humanly possible from scratch, in-house: and not only just in-house, but also in small batches. If that means we have to create and slow-simmer our Five Cheese Queso up to six times a day: So be it.
Bottom Line: Those lessons we learned back in 2004, in that little hole in the wall with the goofy name, have become the foundation of something great – and a business we get excited about every day we come to work. Now: Come on in and have yourself a a dang quesadilla!
Give the gift of great taste!
Know someone who has lost their faith in humanity? Perhaps you have wronged a person significantly and need to get back in their good graces? Or maybe you just want to make so-and-so's sun shine bright?
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Get yours today and restore your popularity with that special someone!"
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Being scared about writing your first novel? Been there, done that.
You are staring at the empty page, there's an irresistible itch to fill it, and all your ideas are squirming around in your head.
The only problem is : how do you start? How do you write a novel? You have doubts about making it through the magical 50.000 words and even then.. what about the title or even the characters and how do I get a plot that's interesting enough?
This blog will help you through these doubts and these blocking moments as I also write my way until the finish line and will help you write your novel.
10 tips for writing your first novel
1. There is no shame in how you plan your story and plot.
You may hear a lot of people telling you to always, always make an outline… don't listen to them. Just like in anything, there is no 'right way' of writing a novel. Some people may want to chose to make an outline ( I started combining outlines with just wild wild west cowboy writing and it did help ) and others just go from point A to B without thinking of C and D let alone Z. If it fits, it sits.
Yes the latter need heavier editing and yes they can be a little bit more chaotic but they can also open up new doors and surprise you in ways you could never have imagined. So just do it your way… your way or the high way!
2.Don't worry about anything at first
Just get through the first couple of words and let the clouds of ideas form in your head. The 50.000 mark is still far away so don't think about it because it will bring you down. Don't think about the title, don't think about the font, just think about the bright idea you had and but it down on paper.
3.Don't edit right away.
That is not how to write a novel the right way. One thing that can give you the worst writer's block ever is writing everything down and editing it after. Yes I get you are a perfectionist, but please do put it aside for a little amount of time because you are killing your mojo. Editing comes in later. Maybe you can build in little editing etappes? For instance, first smaller edit after 10.000 words, second after 20.000 and so on. It's the way I am doing it right now and I feel less depressed about the shit I sometimes pen down.
4.Get deadlines!
Deadlines are important when you write a novel. And no, I don't live by them vigorously, but they do help. I use Ywriter to write because it has a great tool for word counting, word goals and small daily word goals you can keep yourself to.
5. Twitter, blogs and podcasts can help you in a big way.
I have been listening to Write2bRead for instance and the interviews with writers really fire me up because " hey; I can do that as well " and " Wow, that actually is a great tip for writing!"
There are hundreds of good writing podcasts you can find online, on itunes or apps on android. Twitter has a small and good community for writers. It may be a little awkward to find good people to follow but the #amwriting tag is a good start.
6.Try to write every day.
Yes some days the letters I put on paper are just flat, stinking shit that I would delete the second I see them, but getting into the habit of writing every day is more important than getting something good on there.
7. I don't delete as much as I used to.
Almost everything can be salvaged. The shit I spray my manuscript with can be used as great manure for beautiful wordflowers to grow ( how cheesy, god…) so I tend to let it " ripe " a bit before really deleting it.
8. You're done? Great, now you can do a big editing!
Do remember not to delete but just to try and salvage and polish!
9. Don't let your friends and parents read your drafts.
They will tell you it is great and that you have a great talent for writing. You are looking for some good critiques whit which you can work. No writer ever got better by listening to how great they are.
10.The most important is : believe in yourself and in your writing.
Millions of people have started a book but the hardest part is getting through to the end. Just believe you can do it and go do it!
Let me know how you are getting on with your book! I would love to hear about your struggles, about your victories or just the ideas you are working on. I hope these tips on how to write a novel were interesting and helpful.
Happy writing!


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Zaragoza Air Base News
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QUIZ: Can You Guess These 1980s TV Shows From An Image?
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We Found Them: 19 Actresses Looking Their Best, And Worst, On-screen
Here's How To Pronounce These Difficult Star Names. You're Welcome
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Busted: 29 Shady Stars Who Cheated With Someone Not As Hot
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Fashion DON'TS: 37 Tragically Style-Challenged Stars Who Can't Dress Themselves
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Unit 10 Blue Heaven - 13705 Anna Point Lane - Lake Anna
Unit 10 Blue Heaven
View Availability
No Smoking
No Pets Allowed
Rental Length:
Rental Type:
Nightly (2 Night Min)
$150-$200 Night
$800-$1000 Weekly
Description: 2 bedroom, 2 bath Condo Unit on the second floor, comes with the use of a boat slip during your stay. Conveniently located at Anna Point Marina for easy access to Lake Anna. Complete kitchen, dining area and family room, perfect for hanging out after a long day on the lake.
Property Features
Bedrooms: 2
Bathrooms: 2
Beds: (1) Queen, (2) Singles (1) Daybed
Sleeps: 6
Square Feet: 1,200
Minimum Age Requirement: 25
Water Front: No
Water Access: Yes
Public or Private Side: Public
Dock: No
Number of Boat Slips: 1
Outdoor Amenities: Use of boat slip on Lake Anna
Indoor Amenities: Washer/Dryer, Linens
Other Amenities: Boat Launch is located within Anna Point Marina - LAUNCH FEE APPLIES!
Kitchen & Dining: Full Size Refrigerator, Oven/Stove, Microwave, Coffee Maker
Entertainment Options: Comcast TV and Internet
House Communications: Wifi
$ 200 Jul 1, 2018 - Oct 1, 2018
$ 150 Oct 1, 2018 - May 5, 2019
$ 200 May 5, 2019 - Sep 29, 2019
$ 150 Sep 29, 2019 - May 3, 2020
$ 1000 Apr 28, 2018 - Sep 29, 2018
$ 800 Sep 29, 2018 - May 4, 2019
Additional fees of $85 which includes Insurance, Processing, Cleaning, Linens and Trash (Dumpster on site)
Tax for this property is 10.3% of your total rental fee.
Availability / Online Booking
Click here to view this properties availability.
If you would like to book your rental online and securely, click here, scroll down the page to the availability calendar and select your dates to the left of the calendar and hit the "Book Now" button.
We accept these forms of credit card payments:
13705 Anna Point Lane,
Mineral, VA 23117
Neighborhood: Shaffer's Cove
County: Spotsylvania
Video Tour
Floor Plans
Reviews of This Property
Rick and Kathryn
Rating (Out of 5): 5
Would Stay Again: Yes
Date Stayed: 5/27/2016-5/30/2016
Review: Very big place, pet friendly was very helpful, towel package was excellent saved time and space. Very happy with overall stay. Thank you!
Rating (Out of 5): 5
Would Stay Again: Yes
Date Stayed: 6/10/16-6/12/16
Review: We had a wonderful time and we appreciate the opportunity to stay at the "Blue Heaven" it's a lovely condo in the perfect location for our mini-vacation...we have stayed in Lake Anna for the jet boat event for over 11 years and it was an amazing time! Sharing picture from 2011
Rating (Out of 5): 4.5
Would Stay Again: Yes
Date Stayed: 2016
Review: We have stayed at Blue Heaven several times over the past year and it\'s been great! Love the convenience of docking our boat close by and the unit(s) are very comfy!
Rating (Out of 5): 5
Would Stay Again: Yes
Date Stayed: 7/22/16-7/24/16
Review: We had a great time. all of the property management staff exceeded customer service expectations! All of you were great! I hope that everybody that works for you are as marvelous as the people that we met! I give all of you 10 stars!
Have you stayed at this property before? Review it!
Contact Us About This Vacation Rental


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At the very least, the Maestro Dobel Diamond Tequila is the most experience spirit that we have ever had in the NeuFutur offices. Retailing at anywhere between 70 and 90 dollars, the Dobel Diamond is a majestic creature. A heavy stopper keeps the top orderly, while etched glass and a metal base tie everything together. Pulling out the dense and heavy metal and rubber cork gives imbibers their first impressions about the tequila itself, which comes forth with a strong but subtle bouquet. The alcoholic content is alluded to in this bouquet, but the Agave fragrance, among others is a constant force when one first ponders the Maestro Dobel Diamond.
The tequila goes down like the finest mountain spring water; instead of a bite or a burn, what results from downing a shot is a warm infusion of spirits into the body, a life-changing experience that few (if any) spirits are able to create. Hints of nature, both flora and the earth that supports them, are the key notes that are present with each sip. Hints of sweetness soon arise after that sip, ensuring that individuals will want to experience the Dobel Diamond again and again.The elegance of the Dobel Diamond tequila makes me feel bad for even suggesting it, but getting together all the ingredients – Grand Marnier, Margarita Mix, Lime, and the Maestro – one could conceivably make the world's most decadent drink.
If you fancy yourself a fan of tequila in the least, I would whole-heartedly have to recommend the Maestro Dobel Diamond. Keep in mind that this is a Reposado; hopefully a day will come when those at Maestro Dobel decide to try their hand at a straight Anejo, rather than the "super-blend†of Reposado, Anejo and Extra-Anejo that goes into their "Diamond Reposadoâ€. Make sure to procure a bottle for yourself; the company says that quantities of the spirit are extremely limited, and are likely to go out of stock at any time.
Rating: 9.5/10
Maestro Dobel Diamond Tequila (80 Proof) / Tequila / http://www.maestrodobel.com


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VTech offers tech toys for kids
VTech will be releasing tech toys meant for kids, and these new toys are meant to provide kids with the necessary skills that they'll need later in life, regardless of whether they want to be graphic designers, always being up an about or even a storyteller when they grow up. In a nutshell, these new products from VTech will help ease the learning process by making it fun and safe at the same time, helping children learn and develop their inherent skills regardless of their interest.
KidiArt Studio: High-Tech Creation Station
This interactive art console is like a mini Photoshop for digital creation that allows kids to edit and display their work on TV. The built-in digital camera gives them the freedom to capture images of family, friends, their own art work, and even create stop motion animations. Kids can send, save, share or print their creations, because KidiArt Studio connects to a PC.
V-Motion: Wireless Motion-Activated Play
V-Motion takes educational video gaming to a new level with a motion-activated gaming system that engages both active minds and bodies. Plugging directly into the TV, it provides kids with a high-tech experience while using age-appropriate learning games like Kung Fu Panda and WALL*E, along with a motion-activated, intuitive wireless controller. Each Smartridge game encourages physical movement while giving minds a workout, as they learn basic math, reading, science, and spelling. The V-Motion includes the V.Link, a USB drive that connects kids to VTech's secure online site to unlock bonus games and track their scores against other gamers. Designed for kids ages 3-7.
V.Smile Cyber Pocket: On-The-Go Gaming
The V.Smile Cyber Pocket is a great way for young kids to have fun and tap into wireless game play. The Cyber Pocket features a compact, flip-up, high- resolution screen and touchable writing pad for educational video gaming on the go or at home. Kids can connect the handheld to the TV to play on the big screen, and then disconnect without disrupting their game. Like the V-Motion gaming system, kids can extend their play with the VTech V.Link (USB drive) online connection to unlock bonus play and track their scores. V.Smile Cyber Pocket is compatible with the current V.Smile Smartridge library and new licensed titles, including Kung Fu Panda and WALL*E.
Create-A-Story: Stories Come to Life
VTech and Disney have teamed up to inspire creativity with Create-A-Story, which enables kids to build their own story by choosing their characters, developing the storyline and watching as their creation comes to life on TV. Kids can select from their favorite Disney and Disney/Pixar characters, films and TV series, including "My Friends Tigger and Pooh," "Cars," "Finding Nemo" and "Disney Princesses." Create-A-Story helps kids improve their reading skills while giving them creative reign.
The KidiArt Studio targets kids who are 4 and above, retailing for $79.99 while the V-Motion and V-Motion Smartridge will retail for $69.99 and $24.99, respectively. As for the V.Smile Cyber Pocket, this product is meant for kids ages 5 and up, going for $69.99. Never too early to get Junior off on a good start, eh?
Related Posts
3 reviews or comments
Missy Says: September 23, 2008 at 9:43 am
I love these!! I bought the VSmile console for my nephew for Christmas last year (then 4 and just recently turned5). He loves it so much. He will even play the ones that are a little high for him even though he doesn't get a lot of it. He enjoys learning from it and using what he has learned from his Mom and school.
Emil Says: October 7, 2008 at 2:20 pm
I have bought a lot of Vtech toys and they're always the best of it's kind, great quality and this people really think like kikds. Keep on it Vtech!


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Every time Army football players enter the team's meeting room they pass a picture commemorating last year's win against Navy, a not-so-subtle reminder of the Cadets' one-game winning streak in the series. Maybe it's not the longest winning streak in the history of college football's national rivalry. But after more than a decade of losing to the Midshipmen — more than once in heartbreaking fashion — Army won't argue about the semantics.
"It's a great memory for our program," Army head coach Jeff Monken said. "It's different maybe from any other game. There is such a great sense of pride in winning this game."
It's easy to point to that win, the team's first against Navy since 2001, as the turning point for a program quickly gaining steam. After reaching a bowl game last fall, Army enters Saturday's matchup with Navy already having matched last year's eight-win total. Not since 1990 had the Cadets notched back-to-back winning seasons, and not since 1984-85 had they won as many games in a two-year span.
But the reality is that last year's win was long coming — Army was knocking on Navy's door in both 2015 and 2014, losing both games by a single possession. The narrow setbacks hurt, as rivalry losses tend to do, but they came with a message: Army was closing the gap.
"Every one of these games that I've been a part of us has been special," Monken said. "It's two teams that will battle it out as hard as they can on every snap for 60 minutes. It's truly a privilege for all of us in this game to represent the people that we do. I think that's the thing that makes this rivalry the best, not the game itself but all those it represents."
It may have seemed impossible just three seasons ago, or at best improbable — such was Navy's seemingly insurmountable edge in the rivalry. But ending its long losing streak was just the first step for Army, which under Monken's direction has turned from national has-been to annual bowl participant. And the Cadets might be only getting started.
A victory against Navy would give the Cadets four wins against bowl-eligible competition, with one, against Duke in November, coming against a member of the Power Five. A win would hand the Cadets undisputed claim to the Commander-in-Chief's Trophy, an award signifying the winner of the academies' triangular series, for the first time since 1996.
"You can't get too complacent," senior running back John Trainor said. "It's about getting better, because you can always get better at what you're doing. There's always room for improvement."
Sing Second AGAIN‼ #GoArmy #BeatNavy Sing Second - Army/Navy 2017 [4K] youtu.be/LTKWdoJClhA via @YouTube—
Anthony Noto (@anthonynoto) December 06, 2017
It might have taken a coach with Monken's background to reverse Army's nearly 20-year run among the weakest programs in the Football Bowl Subdivision, which saw the Cadets cycle through five different head coaches and nearly as many failed offensive schemes. While Army struggled, Monken was learning the option offense from the source: Beginning at Georgia Southern in 1997, he spent more than a decade as an assistant under current Georgia Tech head coach Paul Johnson — including six seasons as the running backs coach at Navy.
It took the right coach with the right offense at the right time, and more than a little bit of patience. The Cadets won just six games in Monken's first two seasons, due in no small part to an inconsistent running game, but the offense has since turned the corner: Army ranked second nationally in rushing yards per game last season and enters Saturday leading the entire FBS, one spot above Navy, and ranks fourth in yards per carry.
"We believe in our team on both sides of the ball," junior running back Darnell Woolfolk said. "We believe in our coaches. We definitely trust the process. We've got guys out here grinding every day, just working to achieve greater things every year."
In the standings, at least, the arrow is pointing up. Having already booked a spot in the Armed Forces Bowl, a matchup with San Diego State, the Cadets need to win one of their final two games to exceed last year's win total. The results are uniformly positive: Army is winning games at a clip unmatched in years.
But the next step is the hardest. Much like Navy before them, the Cadets successfully have reversed an extended stretch of mediocrity, if not worse. The Midshipmen then took the next step, earning a national ranking in 2004, notching a perception-changing win against Notre Dame in 2007 and not missing a beat when Johnson was replaced by Ken Niumatalolo a year later — Navy has won at least eight games in eight of the past nine seasons.
"Our main goal is just to win every single game," Trainor said. "Not look forward to any other game, just focus on the next week, next day, next practice, and at the end of the day just look up at the scoreboard and hopefully end up on the winning side."
Army enters Saturday knocking on the door of that next step. Having already moved into the small class of Group of Five programs capable of annual bowl appearances, the next rung on the ladder is double-digit wins and borderline top-25 contention — a strong possibility with wins against the Midshipmen and San Diego State to end the season.
"We all trust each other," Trainor said. "That's a huge thing, as a football team, to have trust in one another and trusting that we'll get the job done. I think it's helped us become the team we want to be."