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Monday, July 22, 2019
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Buried treasure poses Holocaust puzzle for Hungary museum
An archaeologist, Hungarian Ferenc Redo examines a metal coin of a Holocaust victim's collection in the Balatoni Museum in the town of Keszthely, 200 km west of Budapest on May 22, 2019. A collection of thousands of antique coins found buried in a house that was part of a war-time ghetto in Hungary for Jews has posed a riddle for historians. ATTILA KISBENEDEK / AFP.
A vast and "unique" trove of antique and Roman-era coins, unearthed in what was one of Hungary's wartime Jewish ghettos, is proving a conundrum for historians. Thrilled with the chance discovery of the 2,800 gold and silver coins spanning decades and continents, researchers are in the dark however about who collected and then hid them. That the coins were buried under a house whose one-time owner, the likely collector, is presumed to have been murdered in the Holocaust deepens the mystery. According to a Hungarian Jewish organisation, the hoard also exposes how gaps remain in what is known about Hungary's Jews during World War II. The current owners of the house in the town of Keszthely, 190 kilometres (120 miles) southwest of the capital Budapest, stumbled across the coins in February during work on the cellar. They were likely hidden by a Jewish owner who was later deported to a Nazi German death camp in 1944, said Balint Havasi, director of Keszthely's Balatoni Museum where the ite ...
The Best Photos of the Day
The National Maritime Museum opens the major exhibition The Moon
Tate acquires art archive of Ithell Colquhoun, transferred by the National Trust
Sotheby's Space Exploration auction skyrockets to $5.5 million
Camera carried on board the Columbia command module, Apollo 11 © Photo by Eric F. Long, Smithsonian National Air and Space Museum.
To celebrate 50 years since NASAs Apollo 11 mission landed the first humans on the Moon, the
National Maritime Museum
is staging The Moon, the UKs biggest exhibition dedicated to Earths nearest celestial neighbour. Featuring over 180 objects from national and international museums and private collections, the exhibition presents a cultural and scientific story of our relationship with the Moon over time and across civilisations. Through artefacts, artworks and interactive moments, the exhibition enables visitors to reconnect with the wonders of the Moon and discover how it has captivated and inspired us. The exhibition explores how humans have used, understood and observed the Moon from Earth. Visitors will get the chance to relive the momentous events of the Space Race and the Moon landings ...
Work by Ithell Colquhoun (1906-1988), watercolour and gouache on paper, from the uncatalogued archive recently transferred to Tate from the National Trust 2019. © Tate.
has acquired a significant body of archives and artworks by British surrealist artist, Ithell Colquhoun, gifted by the National Trust. The collection of approximately 5,000 sketches, drawings and commercial artwork covering Colquhouns career from the 1930s-1980s, which she bequeathed to the National Trust, reunites her work with the bequest of occult and other papers she left to Tate in 1989. The drawings in the archive in ink, graphite and some with gouache and watercolour wash, vary from small jottings and sketchbooks to highly worked drawings, prints and designs. They include architectural drawings, life paintings, portraits, abstract works and surrealist paintings, and pieces which reflect Colquhouns interest in the occult and mythology. In recent years ...
Saturn V Rocket Model. Courtesy Sotheby's.
On the 50th anniversary of the Apollo 11 lunar landing,
auction dedicated to Space Exploration totaled $5.5 million in New York, surpassing its high estimate by $1 million and with an exceptional 93% of all lots sold. The sale featured a wide variety of material from the Mercury, Gemini, and Apollo missions, including direct consignments from astronauts, an impressive collection of flown mission artifacts and hardware, the finest single owner collection of flown Robbins medallions, early contractors models, spacesuits, maps, charts and more. Cassandra Hatton, Vice President & Senior Specialist of Sothebys Books & Manuscripts Department in New York commented: Fifty years ago, we achieved the worlds greatest human accomplishment. Today, space exploration continues to capture the hearts and imagination of people around the world. This universal fascination was reflected in todays stellar sal ...
Four seasons reunited: Mauritshuis acquires three paintings by Nicolaes Berchem
Exhibition allows visitors to travel back in time 600 million years
Hauser & Wirth exhibits works from the Ursula Hauser Collection
The four paintings show the seasons and were made around 1670 to decorate an Amsterdam canal house.
The Mauritshuis
has acquired three allegorical paintings by Nicolaes Berchem. Together with Allegory of Summer which has been at the Mauritshuis since 1992 - they form an exceptional ensemble. The four paintings show the seasons and were made around 1670 to decorate an Amsterdam canal house. The series was broken up in the late nineteenth century, but has now been reunited. Emilie Gordenker, Mauritshuis Director: It was a golden opportunity to be able to bring Berchems series of the seasons together again. The series was originally made to be displayed above doors and this is how the works will eventually be seen in the museum too. This acquisition would not have been possible without the support of the BankGiro Loterij and the Vereninging Rembrandt. In each painting, a medallion with the personification of the season seated on a chariot appears, pulled along in a procession by a pair of animals. Spr ...
Reconstruction of the predatory penis worm, Cricocosmia jinningensis, which burrowed in the Cambrian sea floor sediments and used its fearsome toothed proboscis to capture prey. Photo: Mighty Fossils.
A fascinating new exhibition at
Oxford University Museum of Natural History
- First Animals and the Origin of Oceanic Ecosystems - challenges its visitors to question What is an animal? The visitor journey begins by travelling back in time 600 million years, to when the very origins of all animals including humans began to develop in the worlds oceans. In an extraordinary evolutionary event, which has never been repeated since, the Earth then experienced a huge increase in new life forms, many of which laid the foundations for the body plans of all subsequent animal life. This occurrence, termed the Cambrian Explosion, took place over a period of just 20 million years a mere blink of the eye in geological terms and First Animals reveals how amazing fossil evidence from this epoch is being uncovered and investigated ...
Ursula Hauser in her New York home, 2018. Background: Martin Creed, Work No. 2197, 2015 © Martin Creed. All Rights Reserved, DACS 2019. Photo: Axel Dupeux.
Hauser & Wirth
Somerset is presenting Unconscious Landscape. Works from the Ursula Hauser Collection, an exhibition focused entirely on female artists. Over the course of four decades Ursula Hauser has assembled a deeply personal collection of works that brings together a remarkable overview of late 20th century modern masters in dialogue with contemporary artists. The exhibition, which is curated by Ursula Hausers daughter Manuela Wirth, together with Laura Bechter, Curator of the Ursula Hauser Collection, spans all five galleries in Somerset, presenting 65 works by female artists and artists estates including Louise Bourgeois, Heidi Bucher, Sonia Gomes, Eva Hesse, Sheila Hicks, Maria Lassnig, Lee Lozano, Meret Oppenheim, Carol Rama, Sylvia Sleigh and Alina Szapocznikow. This presentation follows a series of Hauser & Wirth exhibitions ...
The Robin Rice Gallery opens its annual photography exhibit Summertime Salon
'Holy Grail' item of Scottish silver comes to market at August sale
Tate appoints Victoria Cheetham as Chief Operating Officer
Leonardo Pucci, MIlano 00:07AM.
The Robin Rice Gallery
announces Summertime Salon 2019, an annual photography exhibit featuring gallery artists as well as a few newcomers. The show will be on view until September 22, 2019. Rice has brought together the works of 60 gallery artists and nearly a hundred photographs for this salon-style exhibition. From floor to ceiling, the walls of the gallery are a mosaic of various sized photographs in sepia, color and black & white, expertly hung to fit together like pieces of a puzzle. This is my favorite exhibition even though it takes months to curate and a week to install, says Rice. I love the moment when a viewer is first drawn to an image. Sometimes its indefinable; a moment when the viewer not only shares but reconnects to an experience remembered. Each year, the Summertime Salon matures and Rices annual masterpiece is revealed to showca ...
The cup has been given an estimate of £6,000-£8,000
An exceptionally rare solid silver tumbler cup made in a small town in Scotland nearly 340 years ago is expected to be one of the star lots at
Jewellery, Silver & Watches Sale in Cambridge on Thursday 01 August 2019. Made during the reign of Charles II and bearing the marks of the assay office in Banff, a town in Aberdeenshire on the north east coast of Scotland, the cup is in remarkable condition for its age. Historically, there were nearly 30 assay offices in Scotland, testing and hallmarking precious metal items before sale. Now there is only one, in Edinburgh, and items marked from closed assay offices have become extremely collectable. Banff had one of the smallest assay offices, with the result that only a small number of items were ever marked there and in the past ten years there does not seem to have been any other sizeable items ...
Victoria Cheetham brings a wealth of experience to Tate, having been a member of the Southbank Centre Executive Team since 2010.
announced the appointment of Victoria Cheetham as Chief Operating Officer. She will take up her role in autumn 2019. She is currently Executive Director, Arts at Southbank Centre, Europe's largest arts centre, where she leads strategy and delivery of the artistic programme across multiple art forms and sites in London, the UK and globally. Victoria Cheetham brings a wealth of experience to Tate, having been a member of the Southbank Centre Executive Team since 2010. In her time there she has been responsible for areas including visitor experience, ticketing, operations and delivery of over 4,000 artistic events a year. She has also overseen the successful transformation of business processes across arts administration at the institution. Previously she ...
Kayne Griffin Corcoran exhibits new paintings on paper and wood panels by Monique Mouton
Crystal Bridges announces the opening date for the Momentary and unveils 2020 exhibition lineup
"Cool Clay" acquisitions highlight experimental nature of ceramics
Monique Mouton, Walk, 2019. Watercolor and soft pastel on paper, 75 1/8 x 62 1/2 x 2 3/4 inches framed (190.8 x 158.8 x 7 centimeters) Courtesy the artist and Kayne Griffin Corcoran. Photo: Flying Studio, Los Angeles.
Kayne Griffin Corcoran
is presenting Scene, Monique Moutons first solo exhibition in Los Angeles. The exhibition includes new paintings on paper and wood panels. Scene features a group work that is saturated in both color and composition. This body of work pushes Moutons interest in the marginal areas of the paintings. The artist draws attention to transitional spaces such as that between the paper and the frame by playing her irregular cuts off of the crisp structures that house them. The paintings elaborate softer signals as Mouton makes a case for gradual reception. In one painting a rainbow appears through a wash of a purple hue. Anothers subtly arced perimeter comes into clarity slowly, one edge a ...
Rendering of the Momentary.
Crystal Bridges Museum of American Art
announced the 2020 temporary exhibition schedule which includes surveys of popular artists such as Hank Willis Thomas: All Things Being Equal and Ansel Adams: In Our Time, an examination of the craft movement in Craft, and two exhibitions that will be featured at the Momentary during its inaugural season. The Momentary is a satellite to Crystal Bridges and a new contemporary art space that is set to open to the public on February 22, 2020 with State of the Art II, and will be followed by Nick Cave: Until in the summer. We are excited to begin this new decade exploring art at Crystal Bridges and the soon-to-be opened Momentary, said Rod Bigelow, Crystal Bridges executive director & chief diversity and inclusion officer. Whether the artists are familiar to our visitors or completely unknown, these exhibitions look at history, our natural landscape, ...
Zemer Peled (Israeli, born 1983), Untitled 1, 2016. Ceramic, 22 x 19 x 19 in. Crocker Art Museum purchase, Becky B. Krisik Fund and Marcy and Mort Friedman Acquisition Fund, 2018.47.
From raw textures to meticulous details, to glazes bursting with color, the
Crocker Art Museum
acquisitions featured in the exhibition "Cool Clay" provide insight into the experimental nature of the medium, and the diversity that will define its future. While the Crocker collection already includes one of the nations premier ceramics collections, this exhibition of approximately 40 works features gifts that strengthen the scope and variation of the Museums holdings. Pieces in the exhibition span six decades of studio practice and highlight ground-breaking achievements by 20th-century artists known for pioneering aesthetics and techniques. Erika Sanada (Japanese, born 1987) is one of many artists represented in the Crockers collection for the first time. While her work is often ...
Painting is not merely the gratification of sight.
Sir Joshua Reynolds
More News
Galerie Ora-Ora opens Nina Pryde's solo exhibition 'Infinity'
Galerie Ora-Ora
is presenting Hong Kong-based artist Nina Prydes third main exhibition with the gallery. Infinity on view from July 16 through August 17. Infinity features a career-defining collection of landscape and semi-abstract landscape ink works, focusing on the versatility of Nina Prydes art-making as painter, calligrapher, collage artist, and photographer. Pryde is a modern artist, and a thoroughly modern Hong Kong artist at that. Although she works primarily in ink, her newer mixed-media works now incorporate increasing colour and veer towards the semi-abstract, infusing elements that draw from Western influences such as expressionism, impressionism, and abstraction. As the title suggests, nothing is out of range: the exhibition explores the infinite possibilities of not only her various talents and positive approach, but celebrates her coming ...
Exhibition at Watts Gallery explores the life, art and travels of John Frederick Lewis
John Frederick Lewis: Facing Fame - on view at
Watts Gallery
is the first exhibition in more than 40 years to explore the life, art and travels of this leading British Orientalist painter. Including many self-portraits and hidden likenesses, this exhibition explores Lewiss sustained and complex relationship with his own success over a long and distinguished career. John Frederick Lewis RWS RA (1804 1876) became a leading figure in the British art establishment, famed for his detailed depictions of the Mediterranean and Middle East. John Frederick Lewis: Facing Fame examines the ways in which Lewiss life and travels informed how he chose to present himself at different points in his career: from the young Regency dandy to the languid Lotus-eater living in Cairo; a leader of the London art establishment to an eccentric recluse ...
SHOP Taka Ishii opens a group exhibition of contemporary ceramics by 8 Japanese and American artists
SHOP Taka Ishii Gallery
is presenting ±8, an exhibition featuring eight Japanese and American artists who work with ceramics. Curated by Kentaro Kawabata, a Japanese ceramist of the emerging generation, this group exhibition introduces up to date development of ceramic as sculptural medium from an artists perspective, a position that is closest to the current of representation. Although ±8 may appear like a simple symbol, it can in fact be interpreted in various ways. For example, when slightly shifted, ± can look like the Kanji character 土 which stands for earth or soil. When artists each engage in producing work, I believe that those who create through means of addition is able to convey their distinct characteristic the moment they subtract something or another, and conversely, the distinct characteristic of those who create ...
Rochechouart Museum of Contemporary Art opens Laëtitia Badaut Haussmann show
Rochechouart Museum of Contemporary Art
is presenting the first exhibition of work in a museum by French artist Laëtitia Badaut Haussmann. Le sentiment, la pensée, lintuition * is palimpsest-like in its layers of rewritings, connections, poetic or psychological associations linked to the theme of interiors and spaces for living that constantly reverberate from room to room or between pieces. Extending through all eight of the museums second floor galleries, the exhibition builds up a sensitive vision of fictional domestic environments. Laëtitia Badaut Haussmanns exhibition offers visitors a world loosely inspired by the film The Man who fell to Earth (1976) by British film maker Nicolas Roeg. References abound to film and literature as she lithely slips ...
Three marvellous Morgans for sale with H&H Classics
For the Morgan enthusiast the next
H&H Classics
Sale at Buxton on July 24 will be a rare treat with three classic Morgans to choose from, each with a story to tell. The first is this British racing green 1957 MORGAN PLUS 4 racecar seen above and in action below. Built in RHD but supplied new to America and raced there by its first and subsequent owners, it has competition history in the US at Laguna Seca and other tracks. It is estimated to sell for £18,000 to £22,000. On returning to the UK it competed at the 1999 Goodwood Revival in West Sussex. It comes with Dunlop racing tyres on steel wheels, a stainless steel fuel tank, TR3 Axle with LSD and tie rods and all steel bodywork. The wooden ash frame is described as excellent. It has its original chassis, body and engine and comes with complete original leather interior, hood, side screens, tonneau, ...
Bank of England notes its 325 years with trip back in time
Some of the earliest surviving banknotes and a Cold War nuclear radiation calculator are among 325 historic objects unearthed by the Bank of England to celebrate its 325th anniversary. Britain's central bank is the second oldest in the world after that of Sweden, and its trip back through time means returning to the days when its banknotes were written by hand. Among the exhibits are a £40 note dating from 1702 -- a huge sum at the time, worth more than £9,000 ($11,000, 10,000 euros) nowadays. There is also a forged banknote, which first appeared in 1858 when a customer tried to exchange it for gold. It was stamped as counterfeit and handed back, but then reappeared in 1898 after being presented again, with someone having painstakingly managed to erase the stamp. This time the bank kept it. "It's a very intriguing story on how ...
Brazil's new performing arts chief in anti-left 'crusade'
Creating a "cultural war machine" in Brazil's performing arts is renowned theater director Roberto Alvim's mission as he seeks to eradicate progressive ideas from the stage. Recently handpicked by President Jair Bolsonaro to head the performing arts center at the National Arts Foundation, Alvim's appointment is the latest salvo against artists since Bolsonaro took power in January. One of Alvim's first acts has been a call to arms on social media to likeminded professionals in the sector to stop the spread of "cultural Marxism." "I did not invent the cultural war. It has been brutally waged by the left for at least 30 years," Alvim, 46, told AFP. "Any artist that is not aligned with the left is boycotted, defamed and prevented from working -- like what happened to me." Now, Alvim wants to "balance the game." His weapons will be "fostering ...
The Chimney presents a group exhibition in the historic William Ulmer Brewery
The Chimney
is presenting The Chimney x Ulmer Arts a group exhibition curated by Clara Darrason & Jennifer Houdrouge and organized in collaboration with Ulmer Arts and Tungsten Partners. The exhibition is held in the historic William Ulmer Brewery located in Bushwick. The William Ulmer Brewery is an adaptive reuse project located at 81 Beaver Street, on the corner of Belvidere and Beaver Streets in Bushwick, Brooklyn. The 60,000 square foot structure was constructed in 1872 as one of Brooklyns oldest breweries in the Rundbogenstil Romanesque revival style by architect Theobald Engelhardt. This historic building symbolizes an era of Brooklyns history that defined and helped to develop the neighborhood of Bushwick. The former Ulmer Brewery has been reimagined and historically renovated to house an ecosystem ...
Lois Lambert Gallery opens an exhibition of works by Edel Bordón
Edel Bordóns Crowds and a Touch of Distinction series is defined by the need to understand and express ones individual identity within the context of a clamoring society. This recent series oscillates between the individuals experience and how those individuals amass into a collective, which acts as a different entity altogether. The Crowd, as Edel refers to it, demonstrates how a group of people can shed their individual perspectives and become easily manipulated by the persuasion of a group, a mentality prominent in the polarized world today. Edels portraits capture the human form and their detachment from reality. The Crowd is characterized by simple outlines of people compressed together with a single element with which to interact. These elements create a dialogue with The Crowd about the risks, difficulties and uncertainties ...
Roberson Museum and Science Center opens biennial exhibition of scientific, natural and cultural history
Focus on Nature XV, a nature-based artwork exhibition featuring 87 illustrations by 69 artists, is on display at the
Roberson Museum and Science Center
in Binghamton, NY from July 21, 2019 January 20, 2020. The exhibition, which is organized by the New York State Museum, celebrates natural and cultural history illustration and the talented artists who create a connection between science and art. Focus on Nature is a biennial exhibition of scientific, natural and cultural history. Since its inception in 1990, the exhibition has reflected the standards, materials, and skills of contemporary natural and cultural history illustrators. It has increased awareness of a genre that requires scientific accuracy for publications, interpretive nature centers, as well as many research and educational purposes. A five-member jury of artists and scientists select ...
Passion | Expertise | Results: Profile of Ana Wroblaski
On a day like today, American painter Edward Hopper was born
August 22, 1882
. Edward Hopper (July 22, 1882 - May 15, 1967) was a prominent American realist painter and printmaker. While he was most popularly known for his oil paintings, he was equally proficient as a watercolorist and printmaker in etching. Both in his urban and rural scenes, his spare and finely calculated renderings reflected his personal vision of modern American life. In this image: A woman looks at the painting "South Carolina Morning" by American artist Edward Hopper during a press conference in Hamburg, Germany, on Thursday, May 7, 2009.
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Gaiscioch Hall of Warlords
Leadership is the foundation of our family. Some rise to the challenge, some do not. Our leaders begin as a warrior in our family just as all do. They achieve victories in combat through leading events and progress towards becoming one of the Warlords honored in these halls. All of the names below have earned more than 500 victory points by leading our family to victories over foes, beasts, and any who stand against us. They are the members who actively lead adventures, schedule activities, and do not waver under pressure. If your looking for something to do these members will be your contact point. It is with this that we honor our warlords for their outstanding victories in combat.
Information for members of the Gaiscioch & Tuatha.

subset: commoncrawl


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1. In considering whether the district court erred in its summary judgment ruling, an appellate court applies the same standards as the district court is required to apply in considering the summary judgment motion.
2. The interpretation of an insurance contract is a question of law for the court.
3. When facts are not disputed, it is for the court to determine the legal significance of the undisputed facts.
4. An auto liability insurer may exclude underinsured motorist coverage under K.S.A. 40-284(e)(1) for injuries sustained by an insured while riding an underinsured motorcycle which is provided for the insured's regular use.
5. Under the facts presented, a motorcycle was provided for the regular use of a wife who rode on her husband's motorcycle as a passenger two or three times a month.
Appeal from Reno District Court; TIMOTHY J. CHAMBERS, judge. Opinion filed October 6, 2006. Affirmed.
Matthew L. Bretz, of Bretz Law Offices, of Hutchinson, for appellant.
Craig Kennedy, of Johnson, Kennedy, Dahl & Willis, of Wichita, for appellee.
Before McANANY, P.J., ELLIOTT and GREEN, JJ.
McANANY, J.: This is the first case heard to test our court's new procedure for expediting appeals from orders granting summary judgment in civil cases. This new procedure is designed to reduce the time and expense in briefing appeals by relying primarily on the facts and arguments asserted by the parties in their summary judgment motions and briefs before the district court and not requiring the parties to rebrief for us those same facts and arguments.
Jay and Jonell Davis, husband and wife, owned a 1995 Ford truck and a 2002 Ford Mustang which were insured by Allstate Insurance Company under a policy that provided liability coverage of $100,000 per person and $300,000 per accident. The policy also provided underinsured motorist (UIM) coverage. Jay also owned a 1993 Honda motorcycle which was insured by American Modern Home Insurance Company under a policy with a liability limit of $25,000 per person.
Jay and Jonell rode together on the motorcycle two or three times a month during good weather, with Jay driving and Jonell riding behind him. In the spring of 2003, Jay and Jonell were involved in an accident in Grand Teton National Park, Wyoming, when Jay's motorcycle struck an elk. Jay was driving and Jonell was his passenger. Both were thrown from the motorcycle and both suffered serious personal injuries. American Modern Home tendered, and Jonell accepted, $25,000 under Jay's liability policy. In consideration of this payment, she released Jay from further liability but reserved her claim against Allstate for UIM coverage under the auto liability policy on the other two vehicles which provided a higher coverage limit.
Jonell then demanded $75,000 from Allstate under the UIM provisions of the auto policy, $75,000 being the difference between the $25,000 available under the motorcycle policy and the $100,000 liability limit of the Allstate policy. When Allstate denied coverage for Jonell's UIM claim, she commenced this action for breach of the contract of insurance. The parties filed competing summary judgment motions. At the close of discovery the court denied Jonell's motion and entered summary judgment in favor of Allstate. Jonell appeals these adverse rulings.
Jonell argues two points of error. First, she claims the court erred in relying upon an exclusion in the Allstate policy which was broader than allowed by K.S.A. 40-284(e)(1). Second, she claims the court erred in entering summary judgment in favor of Allstate on the theory that the policy did not cover damages sustained while she was riding on Jay's motorcycle since it was provided for her regular use. She argues that she and Jay testified by deposition and submitted affidavits that the motorcycle was not provided for her regular use and she had never driven it.
The standards the district court must apply in considering a motion for summary judgment are well known to the parties and will not be repeated here. On appeal, we apply these same standards to determine whether the district court erred in its rulings. See State ex rel. Stovall v. Reliance Ins. Co., 278 Kan. 777, 788, 107 P.3d 1219 (2005).
1. The Breadth of the Allstate Exclusion
K.S.A. 40-284(e)(1) states: "Any insurer may provide for the exclusion or limitation of coverage: (1) When the insured is occupying or struck by an uninsured automobile or trailer owned or provided for the insured's regular use."
The Allstate policy provided, inter alia:
"Allstate will not pay any damages an insured person is legally entitled to recover because of . . . bodily injury sustained while in, on, getting into or out of or when struck by an uninsured or underinsured motor vehicle which is owned by you or a resident relative or provided for the insured person's regular use."
Jonell contends the addition of the exclusion to include a vehicle owned by a "resident relative" voids this entire provision in the policy. Without dwelling on the various reasons this is not so, it suffices to note that Allstate did not argue, and the district court did not rule, that the fact that Jonell's husband owned the motorcycle excluded her from coverage. The policy provision Jonell challenges was immaterial to the court's ruling. The court entered summary judgment in favor of Allstate based upon the conclusion that the motorcycle was provided for Jonell's regular use. This leads to Jonell's second issue: whether the court erred in its determination that the motorcycle was provided for Jonell's regular use so as to bar her UIM claim.
2. Whether the Motorcycle was Provided for Jonell's Regular Use so as to Bar Her UIM Claim
Jonell's second point of error requires a two-step analysis. First, we must determine whether there was a fact dispute over Jonell's use that would preclude the district court from entering judgment summarily. Second, if there was no issue of fact that required a trial, we must determine whether Allstate was entitled to judgment as a matter of law based upon its policy exclusion.
Regarding the first step, Jonell argues that the district court violated the requirement that the court view the facts in the light most favoring her on this issue. She points to the deposition testimony and affidavits she and Jay provided in which they asserted that the motorcycle was not provided to her for her regular use. From this she concludes that there remained a disputed issue of material fact requiring a trial for resolution.
Jonell rode on the motorcycle with her husband two or three times a month. This is not a disputed fact. The question is whether this fact leads to the conclusion that the motorcycle was provided to Jonell for her regular use so as to bar her UIM claim. This is an issue of law for the court. The interpretation of an insurance contract is a question of law. Exploration Place, Inc. v. Midwest Drywall Co., 277 Kan. 898, 901, 89 P.3d 536 (2004).
Had we been confronted with competing affidavits, one saying that Jonell regularly rode the motorcycle with her husband and another saying she was never on the motorcycle, there would be a fact issue which, if meeting the test of materiality, would preclude summary judgment. But that is not the case. The underlying facts are not disputed. The issue then becomes the legal significance of the undisputed facts, i.e., whether Jonell riding with her husband has the legal effect of making the motorcycle a vehicle that was provided to her for her regular use. This is an issue of law for the court which, if the underlying facts are not disputed, the court may resolve summarily. See Roy v. Young, 278 Kan. 244, 247, 93 P.3d 712 (2004). The issue was ripe for summary disposition, and the district court did not err in the manner in which it considered the affidavits and deposition testimony of Jonell and Jay.
This leads to the second step: whether, given the undisputed facts, Allstate was entitled to summary judgment based upon its policy exclusion.
This issue has previously been addressed by our Supreme Court in the context of an uninsured motorist (UM) claim in Ball v. Midwestern Ins. Co., 250 Kan. 738, 829 P.2d 897 (1992). The UM/UIM distinction is immaterial for the purpose of our analysis. In Ball, plaintiff Ashley Ball was the infant daughter of Joseph and Stephanie Ball. Joseph and Stephanie had two automobiles: a Chevrolet Chevette which was uninsured and a Chevrolet Nova which was insured by Midwestern. Stephanie usually drove the insured Nova but occasionally drove the uninsured Chevette. On the day of the accident, the Nova had mechanical problems so Stephanie used the uninsured Chevette to drive Ashley to the babysitter. In the course of that trip the accident occurred and Ashley was injured. Ashley (through her father) made claim for UM benefits from Midwestern on the Nova policy. Relying on K.S.A. 40-284(e)(1), Midwestern denied coverage because the uninsured Chevette in which Ashley was riding at the time of the accident was provided for her regular use.
Construing K.S.A. 40-284(e)(1), the Supreme Court stated:
"We hold K.S.A. 40-284(e)(1) authorizes the exclusions enumerated in Midwestern's policy with regard to uninsured motorist coverage. The question then presented is whether Ashley Ball falls within the exclusion. Much is made of whether the Chevette was furnished or available for the regular use of any family member. Obviously it was, as is illustrated by Ashley and her mother using it on the day of the accident. It was owned by Joseph and Stephanie Ball for family use when needed. Whether or not it was used regularly is immaterial; it was available for regular use. . . .
"We are compelled by the clear, unambiguous language of the statute and the insurance policy to conclude that Ashley Ball is excluded from uninsured motorist coverage under the insurance policy on the Nova. To hold otherwise would not only violate the clear meaning of the statute but also, as a matter of public policy, encourage the public to insure only one vehicle." Ball, 250 Kan. at 745-46.
Ball controls. Jay's motorcycle, covered by a policy with lower liability limits, was provided for Jonell's regular use as a passenger. Riding around with her spouse on nice days was certainly a regular, and not extraordinary, use for the motorcycle. Thus, the Allstate automobile policy, which provides higher liability limits, does not provide UIM coverage for Jonell's injuries suffered while riding the motorcycle with lower liability limits when the motorcycle was provided for her regular use as a passenger riding with her husband.
The district court did not err in granting summary judgment to Allstate on Jonell's UIM claim.


text:
The European Union is the world's second egg producer, second to China, and a net exporter of eggs and egg products.
There are almost 400 million laying hens in the EU. About 53%, of them are kept in enriched cages, 27% in barn systems, 15% in free range and 5% are in organic holdings. The laying hens produce more than 7.5 million tonnes of eggs each year, whereof seven Member States account for 75% of the production. Those major producers are France, Germany, Italy, Spain, the United Kingdom, the Netherlands and Poland. About 10% of the production consists of hatching eggs.
The EU has a self-sufficiency of about 105%, and exports eggs and egg products for a value of more than €200 million each year historically, although this amount has decreased recently. The main importers of EU eggs are Japan and Switzerland. Imports of eggs and egg products have increased during last years, main sellers being the US and Ukraine.
Policy instruments for the egg sector
The objectives of the EU policy instruments are to structure and safeguard the stability of market prices in the sector, to facilitate the marketing of products and to establish the rules in the trade with third countries, providing stability for the European producers and processors.
Egg production has never been subject to coupled payments nor production quota. The egg sector is however part of the common market organisation (CMO/EU regulation 1308/2013), governing agricultural markets in the European Union. As such, the egg sector is concerned by rules on trade, marketing standards and information such as prices of eggs and number of laying hens.
Trade – Import duties/tariff quotas/licences
Egg imports from third countries are subject to import duties. Within the framework of international and bilateral trade agreements, the EU operates a system of import quotas with specific country allocations or open for all (erga omnes).
Import of eggs for consumption from third countries is allowed under specific conditions regarding animal health and food safety.
Marketing standards
Marketing standards applicable to the egg sector are designed to improve the quality of the products, to protect the consumer and to harmonise the internal market.
Commission Regulation (EC) No 589/2008 lays down detailed rules in order to apply the basic requirements of the CMO regulation that eggs must satisfy to be marketed in the EU. It fixes general rules for:
- marking of eggs and packs,
- quality and weight grading,
- work of packing stations,
- packaging, storage, transport and,
- presentation for retail sale of eggs.
Price reporting system
Under Commission Implementing Regulation (EU) 2017/1185 of 20 April 2017 each Member State must submit to the Commission, no later than 12.00 noon (Brussels time) each Wednesday, the wholesale price for Class A eggs from caged hens (average of large and medium sized eggs (L and M)), expressed per 100 kg. Prices shall be notified for products in packing stations. Where the production in cages is no longer representative, the Member State concerned shall notify the wholesale price of Class A eggs, produced by laying hens kept in barn systems, expressed per 100 kg.
The price reporting system is an important tool that reflects market developments and allows general trends in the egg sector to be assessed. It plays an important role in triggering the market support measures and providing quality-based payment to suppliers of eggs while maintaining price transparency.


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House Speaker John Boehner (R-Ohio) said today that if Republicans can't reach a deal with President Barack Obama to avert the fiscal cliff, his "plan B" is to have the House vote on a bill to allow tax rates to go up only for families earning more than $1 million. Sure, it's a negotiating and public relations gambit. And yes, the White House, Democrats and even some of his own Conservative members immediately trash-talked this back-up plan. But in asserting that millionaires should be taxed differently than the almost rich, Boehner at least has history on his side.
During the first 60 years of the nearly 100-year-old income tax, the top marginal tax rate was never imposed on couples earning less than $1 million in 2011 dollars, calculations by the Tax Foundation show. The original top rate of 7% in 1913 applied only to income over $500,000---more than $11 million in today's dollars. Most famously, points out historian Joseph J. Thorndike, Franklin Roosevelt pushed through a top marginal rate on income over $5 million (more than $80 million today) ---a cut-off so high that it applied to just one taxpayer. "They had plenty of (rich) people to hate. They didn't need to pick on John D. Rockefeller all by himself," says Thorndike, whose book, Their Fair Share: Taxing the Rich in the Age of FDR, is due out next month.
Boehner has some strange contemporary bedfellows too; plenty of liberals think millionaires, to say nothing of the 400 richest Americans, should be taxed differently than those getting by on just $250,000 or $500,000 a year (which is still five to ten times the median family income). New York imposes its top state income tax rate of 8.82% only on income above $2 million. California voters last month approved a referendum backed by Democratic Governor Jerry Brown that raised the state's state top income marginal rate to 13.3% on income in excess of $1 million.
In a recent New York Times op-ed, billionaire Berkshire Hathaway Chairman Warren Buffett called for a special 30% minimum tax on income between $1 million and $10 million, and a 35% minimum tax on income above $10 million. (In that piece he wrote, "I support President Obama's proposal to eliminate the Bush tax cuts for high-income taxpayers. However, I prefer a cutoff point somewhat above $250,000 — maybe $500,000 or so." ) Obama himself has embraced the idea of a minimum "Buffett Rule" tax for millionaires---although as introduced by Senate Democrats, it phased in between $1 million and $2 million.
In fact, it wasn't until the 1970s, when Congress happily allowed taxes to rise through "bracket creep" that the top marginal rate was imposed on incomes of less than $1 million in today's dollars. From 1965 through 1976, the top 70% rate applied to taxable income above $200,000 per couple. Translated to 2011 dollars, a $1.4 million income cutoff in 1965 was allowed to fall below $800,000 by 1976. In subsequent years, Congress made some small inflation adjustments, but the effective income level for the 70% rate continued to slide, to a low of $531,698 (in 2011 dollars) in 1981. After that, President Ronald Reagan's first big tax cut kicked in.
Boehner has history on his side in another way too. The last two times rates went up, so too did the cut-off for those top rates. Reagan's Tax Reform Act of 1986 slashed the top rate from 50% to 28%, while reducing the income cut-off for the top bracket from $175,250 to $29,750--a figure that was then adjusted for inflation going forward. When President George H.W. Bush signed into law an increase in the top rate to 31%, the cut off for the top rate was raised from $32,450 per couple to $82,150. And when President Bill Clinton signed the 1993 law creating two new, higher rates, the income cut-offs for the top rates were set higher still---a 36% rate was imposed on income above $140,000 per couple and a 39.6% rate above $250,000. Those cut-offs didn't change, however, when the Bush tax cuts reduced the 39.6% rate to 35% and the 36% rate to 33%. With automatic adjustments for inflation, in 2012 the 33% rate kicks in at $217,450 in taxable income per couple and the 35% rate at $388,350. In Obama's latest reported offer to Republicans, rates would only rise for those with income over $400,000---in other words, about where the top rate begins today.
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JERUSALEM (AP) — Prime Minister Benjamin Netanyahu said Sunday he holds the Palestinian Authority responsible for a suspected Palestinian militant attack on a young Israeli girl.
Netanyahu told his Cabinet that the Palestinian government was to blame for what he called the continuing "incitement" in official Palestinian media. He did not elaborate.
Relatives of the 9-year-old girl said she was shot by a Palestinian gunman in the West Bank settlement of Psagot Saturday night. By Sunday, doctors described her wounds as light.
There was no claim of responsibility on the attack, but militants in the Gaza Strip praised the attack.
"We salute and congratulate our people in the West Bank for heroic resistance operations that target Israeli soldiers and Zionist settlers as a response to all acts of violence, oppression and terrorism practiced by the Israeli occupation against our people," said Fawzi Barhoum, a spokesman for the ruling Hamas movement in Gaza.
Settler leader Israel Ganz said security forces spent the night searching for the perpetrator, and that officials believe the attacker escaped.
Also Sunday, Israeli police said they had arrested a group of 14 Israeli minors suspected of coordinating attacks on Palestinians in Jerusalem over the last few weeks.
Police spokesman Micky Rosenfeld said the minors are between the ages of 13 and 16 and study at various religious seminaries across Israel. He said they worked together to attack Palestinians and their private property to avenge past Palestinian attacks on Israelis. He said no Palestinians had been injured in the attacks.


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New: Save the California Public Records Act from State Senate Attack (Comment)
I consider the attack on California's Public Records Act a stealth attack on a hard-won citizen right, as is the threat of amending the state constitution to weaken a citizen's ability to obtain public records in an easily accessible format and in a reasonable timeliness. I am an involved citizen who depends on the news media and on access to government records to make informed decisions.
The issue of who pays for the release of public records, the state or the locality, should be resolved in a public debate not by a political back room maneuver. The same goes for any effort to weaken the CA Public Records Act provisions in the state constitution.
The overly optimistic statement made by Senate President Pro Tem Darrell Steinberg about local government compliance without this mandate does not reflect a knowledge of how cleverly evasive local governments can be and how much legal expense they are willing to incur when they do not want to comply with the existing CA Public Records Act , The First Amendment Coalition v. Santa Clara Cty. or Sierra Club v. Orange Cty. being just two recent examples.
I want this trailer removed from the state budget bill immediately; and, as well, I want California's state senators to cease efforts to eviscerate constitutional protections to citizen access CA public records.


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UC Books to Prisoners is an Urbana Illinois based project providing books to Illinois inmates at no cost by mail as well as through two county jail libraries which we operate.
We are a community-powered volunteer organization with a number of easy ways for you to get involved. No experience is required and whether you have an hour a month or would like to volunteer more often, you are invited to to work with us.
Our volunteers interact with inmates by reading their letters, selecting books from our collection of donated materials and sending books to inmates in response to their requests.
We also staff the two lending libraries located in the Champaign, IL County jails. If you would prefer to work behind the scenes, we can also utilize your unique skills managing volunteers, coordinating book donations and fund raising, as well as many other education & outreach as well as technical tasks.
Day of Service
Monday, January 21 from 1-3 PM
Join us in honoring the legacy ofDr. Martin Luther King Jr.
Urbana-Champaign Books to Prisoners
will hold an open public volunteer session.
Come learn about what's involved in getting books to the incarcerated
and take a turn answering some book requests!
Learn More about this local opportunity
More information about MLK Day of Service (mlkday.gov)
Department of Corrections Director Blames Illinois Lawmakers For Lack Of Spending On Prison Books
Click here to read this story on ILLINOIS NEWSROOM
Image source: Travis Stansel/Illinois Public Media
Benefit Show at Brass Rail
We are very happy to promote a benefit show!!
Many thanks to Chris Wassom,
whose band is performing
in Brass Rail, Champaign.
12/8 Saturday at 8 PM
FREE ENTRY, donations go to Books to Prisoners!
Pages for Pennies
Fall Book Sale
Saturday, November 3, 10 AM - 5 PM
Independent Media Center
202 S. Broadway Ave Urbana
Hardcovers $2.00, Paperbacks $0.50,
Children's books $0.25 - $1.00
To RSVP and to help us promote the sale,
please check out, invite your friends/family and share our event page on Facebook!
Trivia Night Fundraiser at Rafters
Monday, September 10 from 6-9 PM
We are hosting our second
Trivia Night Fundraiser!
Join us for five rounds of trivia
and help us raise funds!
To RSVP and for more information, go to our Facebook event page
Click here to read this story on ILLINOIS NEWSROOM
Image source: Lee V. Gaines/Illinois Newsroom
Pages for Pennies
Spring Book Sale
Saturday April 14, 2018
Independent Media Center
202 S. Broadway Ave Urbana
Saturday 10am - 5pm
One Day Only!
Hardcovers $2.00, Paperbacks $0.50,
Children's books $0.25 - $1.00
Trivia Night Fundraiser at Pizza M
Thursday, February 22 from 7-10 PM
We are hosting our first
Trivia Night Fundraiser!
Join us for five rounds of trivia
and help us raise funds!
Day of Service
Monday, January 15 from 1-3 PM
Urbana-Champaign Books to Prisoners
will hold an open public volunteer session.
Join us in honoring
the legacy
of Dr. Martin Luther King Jr.
Learn More about this local opportunity
Pages for Pennies
Fall Book Sale
Saturday October 21, 2017
202 S. Broadway Ave Urbana IL
Saturday 10am - 5pm
One Day Only!
hardcovers $2.00, $0.50 paperback,
children's books $0.25 - $1.00
BTP Selects Rachel Rasmussen
as Volunteer Coordinator
Rachel Rasmussen brings to Books to Prisoners considerable experience in managing large groups of volunteers in the very demanding environment of an Illinois State Prison.
For five years, Rachel designed and managed processes that supported the work of many volunteers providing education services in the prison. She also has experience maintaining important community relationships for organizations.
Rachel will begin early in July and will overlap with our outgoing Volunteer Coordinator during the transition. Please join us in welcoming her.
Dear Supporter,
What is the best book you read this year? Have you ever contemplated what your life would be like if you didn't have access to a good library or favorite bookstore? For thousands of men and women incarcerated in Illinois prisons, access to books is highly restricted, if available at all. Here at Urbana-Champaign Books to Prisoners we have a steady stream of volunteers, a community happy to share their used books, and the opportunity to pass those books along to readers incarcerated in the state. All we need from you is a little financial support to help pay for the postage.
At Books to Prisoners, we see books as the dynamite that can open minds, trigger a love of learning, and transform lives.
In addition to shipping books to inmates throughout Illinois, Books to Prisoners (an all-volunteer program) also runs a library in both Champaign County jails, providing the only consistent access to reading material those incarcerated in Champaign County have.Requests from prisoners are pouring in faster than ever, and we need your support to keep up!
Help us trigger the kinds of explosions that send folks home impassioned to learn and lead new lives. Your tax-deductible donation of $25 will purchase 6 dictionaries -- $100 will ship books from donation bins to the cells of 30 grateful readers.
Help Books to Prisoners put the power of books to work for a better future. Please help be a part of the solution! Click here to donate today.
Jay Schubert
Volunteer Coordinator
LAS Council BTP Fundraiser
On October 19, 2016 LAS Council
held a
Donut and Coffee sale fundraiser
to raise money for Books to Prisoners.
The funds raised will help us pay for
the shipping of books to people who
otherwise would not have access.
LAS Council offers undergraduates in the
college opportunities to discuss and gain
insight into campus and college issues,
and attail leadership experiences.
Common Ground Food Co-Op
Round Up Month for BTP
October 2016
During the month of October 2016
BTP is the
recipient of the
Common Ground
Food Co-op
Round Up Program.
Support both organizations by
shopping at
Common Ground
adding a few dollars
or cents
to your purchase to benefit BTP.
Common Ground Food Co-op
APO Volunteers
APO students share their
Urban Champaign
Books to Prisoners
Day of Service
Monday, January 18 from 1-3 PM
Urbana-Champaign Books to Prisoners
will hold an open public volunteer session.
Join us in honoring
the legacy
of Dr. Martin Luther King Jr.
Learn More about this local opportunity
Featured in Illinois Library
Associations Magazine
Our sister project, The Three R's, which supplies books
to prison libraries from closeby their 24 locations in Illinois,
is proud to report on a significant article written by a Carbondale
chapter member, Diana Brawley Sussman,
the regional librarian for the public library in
Carbondale. You can see it and read it here
This article has alerted Illinois librarians to the 3Rs project, and allowed them to offer their services to prison libraries.
Learn more about the 3R's Project on their website
10 Years & 100,000 Books Celebration
Saturday September 20, 2014 5-7pm
Please join us to celebrate 10 years and 100,000 books.
We could not have reached this milestone without all of our volunteers past and present and we want to celebrate with you. A light dinner will be provided, founding BTP members will be telling origins tales, music will be provided by BTP volunteer librarian Frances Harris' band Don't Ask, and book related prizes will be raffled off.
Don't miss this chance to celebrate with friends old and new..
Books to Prisoners Volunteer from UI-7 News on Vimeo.
Phi Beta Lambda Volunteering with BTP
Members of the Phi Beta Lambda visited Books to Prisoners this month.
Contact us to learn about hosting a group from your church or community organization.
International Book Giving Day
Friday, Feb 14 8am - 5pm
Celebrate International Book Giving day on Friday, Feb 14 by giving a book to a Prisoner.
Below is a list of popular books we can't keep in stock. We invite you to check your book shelves
(or your friends' shelves) for these books or consider purchasing and donating them to our organization.
Please bring donations to the Urbana-Champaign Independent Media Center at 202 S. Broadway, Urbana, IL. next to Lincoln Square Mall. When volunteers are not present to receive your donation, books can be placed in the donation bin in our lobby between 8am-5pm on 2/14/14.
Thank you for your continued to support
New Covenant Fellowship Youth Group Volunteering with BTP
Members of the New Covenant Fellowship Youth Group visited Books to Prisoners and learned about prisons while responding to some letters from inmates. Contact us to learn about hosting a group from your church or community organization.


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Port Vale v Walsall preview
Team news for Saturday's League One clash between Port Vale and Walsall at Vale Park.
Last Updated: 08/08/14 12:54pm
Team news for Saturday's League One clash between Port Vale and Walsall at Vale Park.
A handful of Port Vale players are expected to shake off minor knocks in time for the opening game of the season at home to Walsall.
Richard Duffy, Michael Brown and Colin Daniel were all rested for Vale's final pre-season friendly against West Brom on Tuesday night while Tom Pope came off at half-time in that game because of a groin strain. However, manager Micky Adams is confident all four will be fit for Saturday.
Carl Dickinson will lead out the team after being given the armband by Adams. The 27-year-old defender, who signed a new two-year contract over the summer, replaces Doug Loft, following the midfielder's departure to Gillingham.
"There were a few contenders for the decision and I had to think long and hard about it," said Adams. "However, I've given it to Carl not only because of his attitude to the games, but also because of the way he conducts himself in and around the place and what he does on the training pitch."
Walsall will be looking to bounce back from a disappointing end to last season when they travel to Vale Park.
The Saddlers picked up just two points from their final six fixtures to finish 13th.
Dean Smith has brought in Tom Bradshaw from Shrewsbury, Jordan Cook from Charlton, Derby's James O'Connor, Craig MacGillivray from Harrogate and Bury's Ashley Grimes to help strengthen his squad.
Sam Mantom managed to return from injury in this week's warm-up clash with Aston Villa and Smith said: "I'm comfortable with where we're at in terms of the squad."


text:
Sync the hottest Nightclubs, Bars, and Events to smartphone!
Add Your Nightclub and Bar Reviews, Ratings, Check-Ins, Live Pictures, and more!
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All iPad Pro models, iPad (6th generation), iPad (5th generation), iPad Air 2, iPad mini 4 and iPad mini 3 models with Wi-Fi + Cellular can use either the Apple SIM card or a carrier-supported nano-SIM card. The 12.9-inch iPad Pro (2nd generation), 10.5-inch iPad Pro and 9.7-inch iPad Pro include an embedded Apple SIM card. iPad Air, iPad mini 2 and iPad mini models with Wi-Fi + Cellular use the nano-SIM card.
More information on iPad support for 4G LTE networks by carrier and country or region


text: So that guy is charging £1.999 each in quantity 10. At Farnell the price is £1.71 each in quantity 10:http://uk.farnell.com/atmel/atmega328p-pu/mcu-8bit-avr-32k-flash-28pdip/dp/1715487And that's the first place I checked. Perhaps other distributors will have even lower prices. And you might find an office near you where you can buy them over the counter.


text:
If you have an idea of what we should include on the website, or something is difficult to read or navigate, etc... please let us know.
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major macro economic indicators
|2018 (e)
|2019 (f)
|GDP growth (%)
|Inflation (yearly average, %)
|Budget balance (% GDP)
|Current account balance (% GDP)
|Public debt (% GDP)
(e): Estimate. (f): Forecast.
- Sovereign risk contained as public debt remains mainly domestic and denominated in local currency
- Reduced risk of external over-indebtedness thanks to the high level of foreign exchange reserves
- Gradual move up global value-chains as part of China 2025
- Dynamic services sector, led by e-commerce trends
- Good level of infrastructure
- High corporate indebtedness to impact growth potential
- Current account surplus expected to narrow and eventually turn into deficit
- Exposure of banks to rising corporate debt levels
- Government strategy is ambiguous on arbitrating between reform and growth
- Ageing population; gradual depletion of cheap labour pool
- Environmental issues
- Weight of SOEs in the economy
Risk assessment
Gradual deceleration in 2019
China's economic growth is set to slow to around 6.5% in 2018. This moderation will likely continue into 2019. This weaker activity has been brought about by policies aimed at curbing both financial vulnerabilities and asset bubble risks. Corporate indebtedness remains the main risk in the Chinese economy. Adding to these headwinds, an escalation of trade tensions between the United States and China is expected to start to affect growth in 2019. Tariffs on USD 250 billion worth of Chinese exports were implemented in 2018, and it is possible that more will come in 2019. Moreover, the effects of a cooling property sector are expected to impact the real economy in 2019. Household consumption, which accounts for two-thirds of GDP, has remained on target, supported by relatively low inflation and rising wages. Signs are less positive on the private investment front, as it is set to slow as a result of lower business sentiment and lower earnings – however, this decline will be offset by higher public spending. Fiscal policy will turn expansionary in 2019 to buffer the economy from external risks. The People's Bank of China (PBOC) maintains a "prudent" stance. Monetary policy will arbitrate between accommodation and tightening in 2019, with the goal to manage the gradual slowdown and trade war impact.
Current account surplus to deteriorate
Exports in CNY terms increased by 7.9% year-on-year in the first nine months of 2018, compared to an expansion of 10.8% year-on-year in 2017. This is consistent with a softening in global trade. Slower external demand is set to continue in 2019. US tariffs will likely add to existing pressures. For these reasons, exports will likely expand at a slower rate going forwards. Although the yuan's significant depreciation in 2018 helped to improve China's terms of trade, it also led to a decline in foreign exchange reserves. Policymakers will likely intervene in forex markets to avoid overshooting depreciation expectations, as these could trigger outflows once again; even if capital controls remain firmly in place. While the current account returned to a surplus in the second quarter of 2018, lower export and faster import growth will likely result in a narrowing of China's current account, which shall nevertheless remain in surplus. FDI increased, but will likely decline once headwinds to growth begin to blow.
Overall indebtedness in the Chinese economy remains extremely elevated (more than 260% of GDP). Most of the debt is owed by corporations, a large proportion of which are State-Owned Enterprises (SOEs). Many of these are "zombie" enterprises: those that are struggling with high levels of debt and overcapacity, but are kept afloat because they generate employment and output. In addition, corporate debt is difficult to assess due to the expansion of shadow banking. Moody's estimates that shadow banking assets peaked at 87% of GDP in 2016, although they fell to 73% at the end of June 2018. The figure could be higher when taking into account other types of financial intermediation by banks, including Wealth Management Products (WMPs). The government has been trying to curb this type of lending, leading to overall higher levels of loans on bank's balance sheets. This is positive from a macro-prudential standpoint. However, curbing shadow banking activities has had a negative impact on the financial conditions of SMEs. Finally, public debt may be higher than reported if the surge in local government financing through local government financing vehicles (LGFVs) is factored into the calculation.
Entering unchartered territory
During the 19th National Congress of the Communist Party of China (CPC) in October 2017, all members of the Politburo Standing Committee – excluding President Xi Jinping and the Premier Li Keqiang – retired. The new line-up includes Li Zhanshu, Wang Yang, Wang Huning, Zhao Leji and Han Zheng. Xi Jinping did not announce a successor – he instead abolished presidential limits, paving the way for an extended tenure, and consolidating even more power under a series of executive bodies directly under his supervision. "Xi Jinping Thought", a political theory, was also written into the constitution, setting a clear departure from previous party consensus, which favored decentralisation of power. On the foreign policy front, fears of a fully-fledged US-China trade war have materialised. This is expected to have an impact equivalent to at least 0.5% of GDP, although this could be as much as 1% if the United States forges ahead with 25% tariffs on all Chinese imports. External threats are sizeable enough to justify an appropriate policy response. This raises questions as to what direction policy will take following the annual plenary sessions of the People's Congress and the Chinese People's Political Consultative Conference in March 2019.
Last update : February 2019
Cash payment is usually used for face-to-face domestic retail transactions. Due to tight capital controls imposed by the authority, an indidival can only purchase up to USD 50,000 each year. Furthermore, when a Chinese company makes an international payment in a foreign currency, the company must submit a foreign currency payment application with the local bank, along with suporting documents like sales contracts and invoices. The whole process can be quite lengthy and it is possible that the bank will reject the transaction.
Commercial Acceptance Drafts (CAD) and Bank Acceptance Drafts (BAD) are both common methods of payment for Chinese companies. These are two negotiable instruments: whereas CAD is issued by companies to entrust the payer to unconditionally pay the specified amount to the beneficiary on the date, BAD is issued by the acceptance applicant, entrusting the acceptance bank to make unconditional payment of a certain amount of money to the payee or bearer on the designated date. In pratice, BAD is regarded as safer and therefore more accepted than CAD.
Letter of credit and cheques are also used, but are less popular in China. The use of letters of credit is typically confined to big companies; and cheques are used infrequently by both individuals and companies.
SWIFT bank transfers are also among the most popular means of payment as they are rapid, secure, and supported by a developed banking network, both internationally and domestically.
Debt Collection
Amicable phase
The creditor makes phone calls and sends letters of collection to chase the debtor for payment. If debtor is responsive and acknowlegdes the debt, the two parties will negotiate payment plans to try to have payment settled. In the existence of a dispute, both parties need to come to an agreement or offer discount on debt amount.
Legal proceedings
The Chinese court system is complex. It is divided into multiple tribunals at different levels. The basic People's Courts are at the lowest level with the County People's Courts or Municipal People's Courts. The basic People's Courts have jurisdictions over most cases of first instance. Intermediate People's Courts handle certain cases in first instance, such as major foreign-related cases, as well as appeal proceedings brought against decisions rendered by the basic People's Courts. At the Higher level, the High People's Courts decide on major cases in first instance. The Supreme People's Court is at the highest level, which handles interpretation issues, and has jurisdiction over cases which have a major impact nationwide.
Fast-Track Procedure
If the debt is purely monetary, there are no other debt disputes between the creditor and the debtor, and the repayment order can be served on the debtor, the creditor can apply for a repayment order against debtor with the court. The debtor has 15 days to repay the debt after the order is issued; otherwise, he must submit a defence before the payment deadline. If debtor fails to do either, the creditor can apply for enforcement. However, if debtor's written defence or objection is approved by the court and the ruling for terminating the debt payment order is issued, the debt payment order will be invalidated and the creditor can choose to pursue legal action. In practice, creditors do not usually use the fast-track procedure and will immediately initiate legal proceedings when the amicable phase fails.
Ordinary Procedure
Legal proceedings commence with the creditor lodging the case and submitting statement of claims with the court with corresponding jurisdiction. Once the case is accepted, court summons will be delivered to parties involved. Usually within one month, the first hearing will be arranged and the court will make a final attempt to reach a payment agreement between creditor and debtor via mediation. If no agreement can be reached, the litigation continues with several rounds of hearings, before a judgement is rendered by the court.
In theory, a first instance ruling could be rendered within six months after the case's acceptance, but in practice, proceedings can last longer as the complexity of the case increases (for example, when there is more than one creditor, or when a foreign party is involved). In some cases, the whole process can last to one to two years. Furthermore, appeal proceedings must be terminated within three months after appeal acceptance.
Enforcement of a Legal Decision
Domestic judgments, once obtained, can be executed by, for example, seizing the debtor's bank accounts, property, or by a transfer of rights. The creditor can apply for enforcement with the People's Court or with an enforcement officer.
For foreign judgments, the recognition and enforcement is based on the provisions of an international treaty concluded or acceded to by both China and the foreign country or under the principle of reciprocity. In practice, enforcing foreign arbitral awards is easier than enforcing foreign court decisions in China, because over 150 countries including China have signed and ratified the United Nations Convention on the Recognition and Enforcement of Foreign Arbitral Awards (New York, June 10, 1958).
Another method of enforcement is the "Arrangement on Reciprocal Recognition and Enforcement of judgments in Civil and Commercial Matters" (REJA) between China and Hong Kong. There are similar arrangements between mainland China and Macao, as well as between mainland China and Taiwan. It provides a legal basis for Chinese courts to enforcement judgments from Hong Kong, Macao, and Taiwan. It allows creditors to use courts from Hong Kong, Macao, and Taiwan for cases in mainland China.
Insolvency Proceedings
Parties may agree debt restructuring arrangements without going to court. However, such arrangements must not jeopardize the interests of any other creditors – otherwise, they may subsequently be declared invalid in any court bankruptcy proceedings.
The 2007 Chinese enterprise bankruptcy law sets out three types of formal bankruptcy proceedings: bankruptcy, reorganization and reconciliation.
Restructuring proceedings
This can prevent a company with plentiful assets while experiencing cash flow difficulties from entering bankrptcy. Either debtor or creditor can apply with the court for Restructuring, which allows debtor to manage its properties under an administrator's supervision. A restructuring plan should be approved by a majority of creditors in each voting class (secured, creditors, employees…) at creditor's meetings, then sent to the court for approval within ten days from the date of adoption.
After the implementation of the restructuring plan, the administrator will supervise and submit report on debtor's performance with the court. The administrator or debtor must file an application to the court for approval within ten days from the date of adoption.
This procedure allows the company to settle its liabilities with its creditor prior to the court declaration of debtor' s bankruptcy. The debtor directly submits a payment proposal to the court and upon receiving court's approval on compromise payment proposal, the debtor will recover its properties and business from the administrators. The administrator will supervise debtor's performance and report to the court. If the debtor fails to implement the compromise proposal, the court will terminate this procedure and declare debtor bankrupt as requested by the creditors.
The procedure has the purpose to liquidate an insolvent company and distribute its assets to its creditors. The bankruptcy request should be applied with the court and the request can be sent both in the name of debtor and a creditor. Once accepting the bankruptcy petition, the court will appoint an administrator from the liquidation committee and debtor will be notified within five days and is required to submit financial statement to court within 15 days. The administrator will verify the claims and distribute the assets to creditors. After the final distribution is completed, the court will receive administrator's report and decide whether to conclude the proceedings within 15 days.


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I cannot use BiometricCaptureOptions.Stream because an exception is raised. The exception StackTrace is:
StackTrace = " at Neurotec.NResult.RaiseError(Int32 error)\r\n at Neurotec.NResult.Check(Int32 result)\r\n at Neurotec.NAsyncOperation.get_Result()\r\n at Neurotec.NAsyncOperation`1.get_Result()\r\n at Neurotec.NAsyncResult.End[T](IAsyncResult asyncResult)\r\n...
I can use Manual value only.
When I try to use BiometricClient ForceStart method, the exceptions is raised too.
The SimpleFacesSampleCS examples work fine in the same computer !!
I appreciate your help
(sorry for my english)


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How to book Ciampino Airport– Rome
How to book Ciampino Airport– Rome
1 Complete the booking engine
Enter all the requested information about your trip: your Departure/Arrival, Dates, Number of passengers and click Book Now.
2 Choose your bus
Select the exact time of your shuttle bus.
Tickets to the airport: Please choose a transfer so as to arrive at the airport at least 2 hours prior to your scheduled departure to allow time for check-in and all formalities related to the flight. Terravision is not liable for circumstances beyond its reasonable control such as heavy traffic or traffic accidents. If you do not comply with the deadlines indicated and choose a transfer that does not allow enough time for boarding, you will not be entitled to any compensation.
3 Proceed to booking
Enter your personal data or log in with a Facebook account. Your account will be automatically created. If you are already a registered user, please enter your login and password
4 Proceed to payment
You can pay either using your credit card (visa, mastercard)
5 Manage your booking
You can log in at any time to manage your booking: you will be able to check your bookings, modify your tickets if needed or contact us. For any concern regarding your booking, please contact us through your log-in page using the "new request" system.
6 Show your ticket to the staff and have a nice journey!
Show your ticket to the staff (we accept e-tickets) prior to boarding.
Tickets cannot be booked online less than 2h before the departure.
If you need a bus transfer within the next 2h, you can buy your tickets directly at the following locations: Terravision airport desk, Terravision bus stops.
Please print outbound and inbound journey. Both pages must be presented to the driver on your outbound journey, who will then exchange them for your return ticket


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GS News - Metal Gear Solid movie will star Solid Snake
Hideo Kojima confirms role as supervisor on film project from Spider-Man producer; Hugh Jackman considered for lead, then dropped.
Hideo Kojima confirms role as supervisor on film project from Spider-Man producer; Hugh Jackman considered for lead, then dropped.
The mind behind Metal Gear Solid, Hideo Kojima, speaks about how his interest in movies and novels affected the way he approaches game design and about making game systems, story ...
E3 2012: Metal Gear Solid HD Collection heads to stores on June 12, 2012.
Check out some of the highlights from the Konami Press Conference, including a Metal Gear Rising: Revengeance clip!
We get a demo for Metal Gear Solid HD Collection for the PlayStation Vita.
We continue our video game history month marathon series with a little bit of tactical espionage action and revisit the Metal Gear series!
Remember your CQC Snake! It might just save your life.
Snake, do you read me? There's something different about the tanker; it's all shiny and HD.
SNAKE! Do you even know the meaning of stealth?
Raiden, do you read me? Loud and clear, Colonel. Good, you suck!
This is Snake, I mean Boss, I mean Boss Snake.
Snake, what the hell happened to your face? It's all blocky and stuff.
This is Snake. I'm back in this damn jungle again! What gives Major!?
GameSpot AU community manager James Kozanecki tells you what games are coming out in Australia in the week beginning February 6, 2012!
On this week's Super Duper Start/Select, Jane and Danny check out the first bumper release weekend of the year and investigate Final Fantasy XIII-2's interesting DLC offering. And as promised, ...
Check out the launch trailer for the Metal Gear Solid HD Collection available now!
We've got demos of Uncharted 3, Metal Gear Solid HD Collection, Serious Sam: The Random Encounter, Need for Speed: The Run, and more!
Mindscape is Konami's distributor in Australia, so James Kozanecki takes a look at what it's showing the public at the EB Games Expo 2011, including details on the local release ...
We check in on the show floor at E3 2011 with a Konami Booth tour with Homer Rabara.
Hideo Kojima gives you the info regarding the super secret coolness that is transfarring and the MGS and Zone of the Enders HD Collections coming to the Xbox 360 and ...
Use your keyboard!
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Mikhail Likhachev, Russia coach
"We didn't play well. The team made a lot of mistakes, especially in defence, but we're proud of making it through to the final. El Salvador are a fantastic team with some really good players, but now we can sit back and wait and see who wins the other semi. No matter who we face in the final it's sure to be a great game."
Rudis Gonzalez, El Salvador coach
"We knew it was going to be tough. Russia are an exceptionally well-organised team, but in the end it was their focus that made the difference. We need to get some of our mental energy back for tomorrow because we're going to need it. We could have got right back into the game in the second period but they did a very good job of holding off our attacks. Maybe we could have worked as a team a little bit more, but we've learned a very important lesson here, one we'll put to good use in the match for third place. That's a game we're definitely going to be up for."


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Neighborhoods with Community Pool in Greer
The links below are neighborhoods and subdivisions in Greer, SC with current homes for sale that may meet your real estate needs. Browse through the subdivisions in Greer with community pool below:
Did you find what you are looking for? Check out other Subdivisions with Community Pool in greater Greenville.
If you are not interested in a subdivision with a community pool in Greer but are looking for homes for sale with a private swimming pool, check out all Greenville, SC Homes for Sale with Swimming Pool.
Anna Catron made the home buying process painless and incredibly easy. We couldn't have handled being first time buyers without her expertise and kindness. We would recommend her to anyone looking for a new home.
Joshua Paul IrishBuyer
We began working with Donald in early July, 2016. Today, on 10/24/16 we closed on our home in Greer. Donald kept us current on market trends here, even though we were living in Florida during most of the property search. Donald was never too busy to return our calls or emails and he met us several times at the home we were buying in order for us to get estimates for future work to be done. He guided us through the entire process with his calm, focused demeanor. He has been a pleasure to work …
Lynda MilesBuyer
Reviewing the market from Columbus Ohio, I was contacted by Anna Catron with an invitation to provide support based on my schedule and needs. Over the course of 6 months, we periodically touched base. There was no pressure or commitment, just a desire to provide support and knowledge of the area. Anna was a resource beyond purchasing a home, as we decided to rent for 6-10 months. (she provided some names of contacts to reach out to for rental properties). Her "no pressure" approach was…
David HamlinBuyer
Anna Catron and Chelsea Jackson from the J. Michael Manley team of Keller Williams were awesome to work with. They were both extremely willing to work around our needs, and introduced us to a house that was perfect for us. If you're looking for a new home, I'm fully convinced there is no better team of agents to work with.
Jake Hennet
Anna Catron did a great job helping us find and buy our new home. She's a pro and saved us money!
Gordon R. ParryBuyer
I would highly recommend the J. Michael Manley team for any and all real estate referrals in the Greenville area. As a fellow agent referring very close friends of mine, I wanted to make sure they'd be taken care of well, and J. Michael Manley assured me they would receive his team's very best service. He did not disappoint. My friends were delighted when they found the home of their dreams, which was new construction, and J. Michael Manley was able to negotiate the price down plus add in so…
AJ Barrett(Agent)Charleston, SC
My husband and I met with Michael in mid-December, our house went on the market January 16th and was under contract January 19th. Michael and his team are amazing at what they do and did everything could to help us. We were out of our old house and in to the new one within a month of our house going under contract. I would highly recommend using the J. Michael Manley team for buying and/or selling. They made the hassle or buying and selling so easy and everything was very smooth.
Brittany and Brandon Kessler(Seller/Buyer)
I worked with Jon Lyles and he was so helpful! He explained things so I could understand and did all he could to make the buying process easier.
Sarah KeyesBuyer


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There is no universally agreed-upon definition of "gang" in the United States. Gang, youth gang and street gang are terms widely and often interchangeably used in mainstream coverage. Reference to gangs often implies youth gangs. In some cases, youth gangs are distinguished from other types of gangs; how youth is defined may vary as well.
Motorcycle gangs, prison gangs, hate groups, adult organized crime groups, terrorist organizations and other types of security threat groups are frequently but not always treated separately from gangs in both practice and research.
Federal definition. The federal definition of gang as used by the Department of Justice and the Department of Homeland Security's Immigration and Customs Enforcement (ICE), is
Both the Department of Justice and ICE have distinct definitions for transnational organized crime and gangs. The federal definition of gangs excludes drug trafficking organizations, terrorist organizations, traditional organized crime groups, such as La Cosa Nostra, and groups that fall within the Department of Justice's definition of transnational organized crime.
State definition. A number of states use the following definition of gang, often with minor modifications (this definition was originally devised by the California legislature):
"criminal street gang' means any ongoing organization, association or group of three or more persons, whether formal or informal, having as one of its primary activities the commission of one or more of the criminal acts [...], having a common name or common identifying sign or symbol, and whose members individually or collectively engage in or have engaged in a pattern of criminal gang activity."[2]
The National Gang Center (which is cosponsored by the Bureau of Justice Assistance and the Office of Juvenile Justice and Delinquency Prevention) conducts the
National Youth Gang Survey. The survey reports solely on youth gangs, which the National Gang Center describes as "a group of youths or young adults [the responding agency is] willing to identify as a 'gang.'"[3]
When they report to the National Youth Gang Survey, law enforcement agencies indicate that group criminality is of greatest importance in how they define a gang. The presence of leadership is of least importance.[4]Read more about defining gangs based on analysis in the National Youth Gang Survey.
Much of the research literature about gangs focuses primarily on youth gangs, as opposed to adult gangs. Researchers accept the following criteria for classifying groups as gangs:[5]
The National Gang Intelligence Center and the National Drug Intelligence Center collaborated to produce the
National Gang Threat Assessment in 2009. The book discusses street gangs, prison gangs and outlaw motorcycle gangs. Each gang type merits its own definition and discussion of the characteristics that differ at national, regional and local levels.
Localities interested in pursuing anti-gang policies, strategies and programs face the challenge of developing operational definitions for the terms "gang," "gang member" and "gang crime" (or "gang-related offense"). Many criminal justice policymakers and practitioners operate under practical definitions unique to their locality and its explicit gang-related challenges.
Some localities fail to address the need for definition or to consider elements of definitions already in use. Failing to define the terms "gang" and "gang crime" as the terms are commonly used in a community undermines the community's ability to reliably measure progress and outcomes related to gangs and gang activity.
California and other states and localities have instituted various criteria and threshold levels an offender must meet to be classified as a gang member. Multiple criteria may need to be documented. For example, 1) a reliable source must identify the offender as a gang member, and 2) the offender must display gang symbols or use hand signs and display gang tattoos.[6]
Learn more about the role of gangs in prosecution.
Read more about defining "gang," "gang member" and "gang crime" from the National Gang Center.
[note 1]About Violent Gangs, Criminal Division, U.S. Department of Justice accessed July 25, 2011.
[note 2] California Street Terrorism Enforcement and Prevention Act. California Penal Code, section 186.22(f).
[note 3] National Gang Center,
National Youth Gang Survey Analysis. Retrieved December 2, 2010, from
[note 4] National Gang Center,
National Youth Gang Survey Analysis. Retrieved December 2, 2010, from
[note 5] This list adapted from National Gang Center,
What is a gang?. Retrieved December 2, 2010, from
[note 6] Tita, George, and Andrew Papachristos, "The Evolution of Gang Policy: Balancing Suppression and Intervention," in Robert Chaskin, ed.,
Youth Gangs and Community Intervention: Research, Practice, and Evidence, New York: Columbia University Press, 2009
National Institute of Justice, 810 Seventh Street, NW, Washington, DC 20531


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I'll start things off, I guess. These aren't necessarily my favorite quotes of all time, just what I have on the computer for some reason or another.
Jonathan Safran Foer, Extremely Loud and Incredibly Close wrote:Our fathers came out of the house and stood at the door, on of them asked, "What are we going to do?" I knew that our time together was almost over, I asked her if she liked sports, she asked me if I liked chess, I asked her if she liked fallen trees, she went home with her father, the center of me followed her, but I was left with the shell of me, I needed to see her again, I couldn't explain my need to myself, and that's why it was such a beautiful need, there's nothing wrong with not understanding yourself.
John Green, Looking for Alaska wrote:"Then she said, 'Let's play Truth or Dare' and then you fucked her."
"Wait, you fucked her? In front of the Colonel?"
"I didn't fuck her."
"Calm down, guys. It's a euphemism."
"For what?"
"Hold on. I just did some calculations, and I've been able to determine that you're full of shit."
^this is with "he said" and other narration removed but that passage is pretty much all dialog anyway.
Markus Zusak, The Book Thief wrote:It's just a small story really, about, among other things: a girl, some words, an accordionist, some fanatical Germans, a Jewish fist fighter, and quite a lot of thievery....
A last note from your narrator: I am haunted by humans.
John Knowles, A Separate Peace wrote:"I'm important, bastard."
Yeah, I really didn't care about this book too much, but it's a damn good line. <3 Leper.
And because it's timely..
JK Rowling, Harry Potter and the Deathly Hallows wrote:"NOT MY DAUGHTER, YOU BITCH!"
And I have tons more, but the books aren't on hand and I'm lazy.
Poll -- I was curious because normally I despise writing in books, but on a rare occasion I'll underline a line I love. But there are conditions.. it can't be a huge paragraph, the book has to be a paperback, and the line has to be really damn freaking good. (er, I tried to be varied with the poll options but I guess if I missed something that someone wants added, could a mod add it?)
So.. post your favorite meaningful bits or the best one liners or whatever.


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Current Weather for Townsend, GA
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Want more detail? Get the Complete 7 Day and Night Detailed Forecast!
Current U.S. National Radar--Current
The Current National Weather Radar is shown below with a UTC Time (subtract 5 hours from UTC to get Eastern Time).
National Weather Forecast--Current
The Current National Weather Forecast and National Weather Map are shown below.
National Weather Forecast for Tomorrow
Tomorrow National Weather Forecast and Tomorrow National Weather Map are show below.
North America Water Vapor (Moisture)
This map shows recent moisture content over North America. Bright and colored areas show high moisture (ie, clouds ); brown indicates very little moisture present; black indicates no moisture.
Amazing Weather Videos (updated daily)
Amazing pics and movies of weather, mother nature, mother earth and people with cameras in the right place at the right time.
Weather Topic: What are Fractus Clouds?
Home - Education - Cloud Types - Fractus Clouds
Next Topic: Hole Punch Clouds
A fractus cloud (scud) is a fragmented, tattered cloud which has likely been sheared off of another cloud. They are accessory clouds, meaning they develop from parent clouds, and are named in a way which describes the original cloud which contained them.
Fractus clouds which have originated from cumulus clouds are referred to as cumulus fractus, while fractus clouds which have originated from stratus clouds are referred to as stratus fractus. Under certain conditions a fractus cloud might merge with another cloud, or develop into a cumulus cloud, but usually a fractus cloud seen by itself will dissipate rapidly.
They are often observed on the leading and trailing edges of storm clouds, and are a display of wind activity.
Next Topic: Hole Punch Clouds
Weather Topic: What are Mammatus Clouds?
Home - Education - Cloud Types - Mammatus Clouds
Next Topic: Shelf Clouds
A mammatus cloud is a cloud with a unique feature which resembles a web of pouches hanging along the base of the cloud.
In the United States, mammatus clouds tend to form in the warmer months, commonly in the Midwest and eastern regions.
While they usually form at the bottom of a cumulonimbis cloud, they can also form under altostratus, altocumulus, stratocumulus, and cirrus clouds. Mammatus clouds warn that severe weather is close.
Next Topic: Shelf Clouds


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> Q1FY2013 Banking earnings review
Divergence between the performances of private banks and public banks continues
- Earnings growth in line: During Q1FY2013, Sharekhan's banking universe reported an earnings growth of 24% year on year (YoY; ex State Bank of India [SBI]), which was in line with our estimate. However, the net interest income (NII) growth slowed to 17.6% YoY (from 22% in Q4FY2012 and 17.1% YoY in Q3FY2012) due to a decline in the net interest margin (NIM) and a slower business growth.
- Pressure on margins to continue: The NIM on an average declined by 15 basis points QoQ in Q1FY2013 (Bank of India [BoI] and SBI posted the highest decline) led by a rise in the cost of funds, a decline in the yields and a reversal of interest on slippages. Going ahead, the reduction in the lending rates (in the retail, small and medium enterprises [SME] segments) and the relatively higher deposit rates will continue to put pressure on the margins which will affect the NII growth.
- Asset quality weakens though divergence continues (PSBs vs private banks): The slippages rose sharply for the public sector banks (PSBs; especially SBI, Punjab National Bank [PNB] and Union Bank of India [UBI]) leading to a rise in the non-performing assets (NPAs). The restructured assets also expanded across PSBs. However, the private banks largely maintained their asset quality at healthy levels.
- Top picks: ICICI Bank, Federal Bank and SBI: The Q1FY2013 results clearly reflect the impact of the worsening macro environment on the performance of banks. The gross domestic product (GDP) growth estimates are being revised downwards while the inflation estimates are being raised (due to a deficit rainfall, high fuel prices) which could increase the challenges for the banking sector in terms of business growth, NIMs and asset quality. This could ultimately affect the earnings growth of the sector. Going ahead, the slippages and restructuring will continue albeit at a lower pace for the PSBs and that is partly reflected in the valuations of banks. The private banks are likely to outperform the PSBs and maintain a decent earnings growth and asset quality. We prefer ICICI Bank (which sustained the improvement in its earnings and asset quality) and Federal Bank (whose valuations are attractive) among the private banks. Among the PSBs we prefer SBI (due to its strong core performance and attractive valuations after the correction in stock price.