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Prospect Bank has been a part of the fabric of central Illinois since 1873. We provide one-on-one financial attention to our customers and support to the towns we serve. We're not just committed to providing a convenient, modern banking experience. We want to help build financial strength for individuals and for communities.OUR MISSION
Before you sign up for Online Banking you must read and accept the following agreement. To accept, read the agreement and then click the Accept button.
This Agreement is entered into between Prospect Bank (the "Bank") and any customer of the Bank who subscribes to retail Internet Banking ("Online Banking"). The customer is referred to in this Agreement as "you" or "your." The Bank is referred to in this Agreement as "Bank," "us," and/or "our." The internet banking service is referred to as "Online Banking". You should carefully read this Agreement, the Bank's instructions on the use of Online Banking and Bill Pay, as they may exist and as may be amended from time to time ("Instructions). If you use Online Banking or permit another to use Online Banking on your behalf, you agree to the terms and conditions stated in this Agreement. You must follow all of our instructions and procedures applicable to the services covered by this Agreement.
1. Other Accounts, Loan Agreements and Services These terms and conditions are in addition to those that apply to any accounts you may have with us, loan or credit agreements, or any other services you obtain from us, including your signature card, the account and depositing disclosures, agreements, and fee schedules, the terms and conditions of any loan or credit agreements, the accompanying schedules and disclosures, and any change of terms notices. If you have more than one account or other relationship with us, you may "link" the relationships together as we permit. Accounts that are linked under Online Banking must have one common owner and signer. Any signer, acting alone, must be authorized to access a linked account (see section 16).
2. Electronic Fund Transfer Act and Regulation E The Electronic Fund Transfer Act (EFTA) and its implementing regulation, Regulation E ("REG E"), govern some of the transactions permitted through Online Banking. Some of the terms and conditions of this Agreement are disclosures required by REG E.
3. Computer Requirements
You will be required to assure any computer and browser software used for accessing Online Banking meets the minimum requirements. (In this Agreement, your computer and the related equipment are referred to together as your "Computer"). You must have a computer and an internet browser that will support 128 bit encryption. You will also need internet access through an Internet Service Provider (ISP) and access to a printer and/or other storage medium such as a hard drive for downloading information or printing disclosures and statements. You are responsible for the installation, maintenance, and operation of your Computer and your software. The risk of error, failure, or nonperformance is your risk and includes the risk that you do not operate your Computer or your software correctly. The Bank is not responsible for any errors or failures from any malfunction of your Computer or your software. The Bank is not responsible for any Computer virus related problems that may be associated with the use of the Online Banking system. The Bank shall have no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your Computer or your software. THE BANK MAKES NO WARRANTY TO YOU REGARDING YOUR COMPUTER OR YOUR SOFTWARE, INCLUDING ANY WARRANTY OF MERCHANTIBILITY OR FITNESS FOR A PARTICULAR PURPOSE.
4. Access Code When you enroll in Online Banking you will create a User ID and a Password (the User ID and Password collectively are referred to as the "Access Codes"). You will need the Access Codes to gain access to Online Banking. Use of the Access Codes is the agreed security procedure between you and the Bank. Keep your Access Codes confidential in order to prevent unauthorized use and possible loss to your accounts. Anyone to whom you give or disclose your Access Codes will have full access to your accounts, even if you attempt to limit that person's authority. There is no charge if you change your Access Codes for security reasons. If you forget your Access Codes you must contact the Bank to have new temporary Access Codes issued to you. It may take several days before you receive these Access Codes. Under no circumstances should a Bank employee request your Access Codes (including your Password) through Online Banking, over the Internet, or through other contact. Do not respond to any such request, even if the person claims to represent the Bank.
5. Security The Bank is committed to the security of its customers' accounts and account information. Similarly, you must take every precaution to ensure the safety, security, and integrity of your accounts and transactions with Online Banking. The Access Codes are the Access Devices to your accounts and other services provided herein; providing the Access Devices to another person effectively constitutes a grant of authority to access your accounts under REG E. The following guidelines should assist you in these efforts: Do not give or disclose any part of your Access Codes to anyone, including any Bank employee, particularly while on the telephone or online or while using the Internet. Do not leave your account information out in an open area accessible by others, including your Computer screen. Do not send your Access Codes or privileged account information over any public or general e-mail system. Do not leave your Computer unattended while you are connected to Online Banking. Please observe these guidelines. Remember, you may be held liable for the unauthorized use of your Access Codes (see section 15.1).
6. Online Banking Services To subscribe to Online Banking, you must have at least one account with the Bank. Your Online Banking subscription includes a Basic Service Package free of charge, and additional Products and Services, for which service fees may be charged.
Basic Service Package includes:
Additional Products and Services include:
These lists are not exhaustive and the Bank may offer additional services in the future. This Agreement is intended to cover all services offered by Online Banking, including future services. In most cases you may use Online Banking to gain access to deposit accounts in which you have an unrestricted right to withdraw funds and line of credit accounts in which you have an unrestricted right to borrow money. However, the Bank, as it may determine at any time and from time to time in its sole discretion, may deny Online Banking account access, restrict Online Banking account transactions, or place limits on the specific dollar amount of funds that may be withdrawn or transferred from any account.
7. Description of Online Banking Functions/Services Depending on your particular Online Banking subscription, you may perform some or all of the following transactions: 7.1 Banking Functions If you subscribe to this service, you, or someone you have authorized by giving them your Access Codes, may use Online Banking to: (a) transfer funds between your accounts, (b) obtain account balances and transaction information for your accounts, (c) review the history of transactions, and (d) send electronic mail (e-mail) to Customer Service Representatives at the Bank. These features of Online Banking are limited by and subject to the terms and conditions described below: Your ability to transfer funds between certain accounts is limited by federal law, as stated in the Deposit Agreements. For example, you can make no more than six (6) transfers from a savings or money market savings account during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks, to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction or by check, draft, debit card, or similar order made by you and payable to third parties. A "preauthorized transfer" includes any arrangements by us to pay a third party from your account upon written or oral instruction (including an order received through an automated clearing house (ACH) or any arrangement by us to pay a third party from your account at a predetermined time or on a fixed schedule). Transfers made using both Online Banking and other transfer methods described in the Deposit Agreements are counted against the permissible number of transfers. Instructions to transfer funds between deposit accounts must be sent by 4:00 p.m. Central Time to be processed the SAME business day. Transfers received after 4:00 p.m. Central Time will be processed ONE business day later. Each transfer made from a loan account (e.g., an overdraft checking account) is treated as a cash advance from that account and is subject to terms of any loan or other applicable agreement you may have with the Bank. The Bank will not immediately receive e-mail that you send. Therefore, you should not rely on e-mail if you need to communicate to the Bank immediately. For example, if you need to stop payment on a check, to report a lost or stolen card, or to report an unauthorized transaction from one of your accounts, you should contact the Bank immediately by calling our Online CSR (see section 12). The Bank will not take actions based on your e-mail requests until the Bank actually receives your message and has a reasonable opportunity to act. Transaction information for your accounts will be available from Online Banking for a period of no more than 60 days prior to the date of the inquiry. The Bank reserves the right to limit the frequency and dollar amount of transactions from your accounts for security or credit reasons, as the Bank may determine at any time and from time to time in its sole discretion. 7.2 Bill Payment Service The Bill Payment service is an electronic payment system that permits you to initiate and authorize payments from your accounts to payees that you have selected in advance to receive payments by means of this service. (A "payee" is a person or business you are paying.) You have the option of setting up a payee as one of two bill payment types: (1) scheduled payments, which are payments of a fixed amount that are paid at a regular time interval, such as monthly (e.g., rent, mortgage, etc.); and (2) on demand payments, which are payments that vary in amount and/or date (e.g., utility, credit card, etc.). After you have established a scheduled or on demand payment authorization, the Bank will automatically execute bill payments according to your instructions until you have properly notified the Bank, in accordance with the Bank's procedures in effect at that time, of any cancellation of or change to your instructions. To subscribe to Bill Payment ("ePay"), you must have at least one checking account with the Bank. If you subscribe to this service, you may use ePay to make payments from one checking account, designated by you as your Primary Account. An account that requires two or more signatures to make withdrawals may not be designated as a Primary Account. To pay bills using ePay, you must use your Computer and the software to authorize a payment from your Primary Account. After your instruction is received, payment will be made electronically or by preparing a paper check to the payee via first class mail. You must set the payment date to at least ten (10) business days for checks and three (3) days for electronic prior to the date you wish the payment to reach the merchant. Our cut-off for payments is 8 pm CST; but, this cut-off time is not universal since some companies have their own cut-off. You may use ePay to authorize automated recurring payments in order to pay recurring bills. These payments must be for the same amount each month and they will be sent on the same calendar day of each month, or on the following business day if the regular payment day falls on a Saturday, Sunday, or Federal Banking Holiday. When you have entered and transmitted a payment instruction, you authorize the Bank to reduce the Primary Account accordingly. Funds for payments are deducted from your account on the day specified by you for electronic payments. If paid by check, the funds will come out of your account on the day that the check clears the bank. If there are insufficient funds in the Primary Account to make payments you have authorized, The Bank may either refuse to pay the item or it may make the payment and thereby overdraw the Primary Account. In either event, you are responsible for any non-sufficient funds ("NSF") or overdraft charges the Bank may impose, as stated in the Deposit Agreements. Your ePay account may be suspended if payments are returned for any reason. The Bank reserves the right to refuse to honor payment requests that reasonably appear to the Bank to be fraudulent, incomplete, erroneous, or if you do not follow the Bank's instructions for ePay. In addition, the Bank will not be able to execute any bill payment if the payee cannot or will not accept such payment. Using ePay, you can only pay payees with United States addresses. While most payments can be made using ePay, the Bank reserves the right to refuse to pay certain payees. The Bank also reserves the right to terminate your use of the Bill Payment service (see section 15 for additional Customer Responsibilities). Enrollment in this service is optional. You will also be bound by the additional Terms and Conditions of ePay that will be provided upon enrollment.
7.3 eProducts
In addition to ePay, described above, the Bank provides the following eProducts within Online Banking:
7.4 External Transfers
The Bank offers External Transfer services by means of electronic transfers. These services include both one-time and recurring transfers. A one-time external transfer transaction is an electronic transfer request that is a single transaction without instructions to repeat at a future date. Recurring transfers are for transfers arranged in advance to be paid on two or more future dates. The External Transfer service allows for both inbound and outbound transfers. Inbound transfers are initiated through this service and deposited to an account held at the Bank from an account at another institution. Outbound transfers are initiated through this service to send funds from an account held at the Bank to an account at another institution. You must be the owner of the account at the Bank and the account at the other institution. You agree that you will only attempt to register accounts for which you have the authority to transfer funds. You will be required to complete the verification process for each account held outside the Bank that will be utilized with the External Transfer service. There is no fee to initiate inbound external funds transfers. There is a $.50 per transfer charge for outbound external funds transfers. The minimum transfer amount is $10.00.
The following transaction limits apply to the External Transfer Service:
Transaction Limit
Daily Limit
Monthly Limit
Standard Inbound
Standard Outbound
Next Day Inbound
Next Day Outbound
You will periodically receive messages to your primary e-mail address during the external funds transfer process. These messages will provide information pertaining to the trial deposit process, confirm account linkages, and contain status updates for transfers in progress. Your primary e-mail address is defined in Online Banking and you are responsible for updating the address should it change.
The Bank reserves the right to refuse to complete transfer requests using External Transfer. The Bank also reserves the right to terminate the use of the External Transfer service. You must have sufficient funds in the designated account for the requested External Transfer at the time of the withdrawal. If sufficient funds are not available to complete the External Transfer, the transfer request will not be fulfilled and the External Transfer service may be suspended or terminated.
8. Third Party Software; Virus Protection The Bank makes no representations or warranties regarding the accuracy, functionality, or performance of any third party software that may be used in connection with Online Banking (e.g., Quicken, Microsoft Money). The Bank is not responsible for any electronic virus or viruses that you may encounter. We encourage you to routinely scan your Computer, diskettes, and software using a reliable virus product to detect and remove any viruses found. Undetected or unrepaired viruses may alter, corrupt, damage, or destroy your programs, files, and even your Computer. Additionally, you may unintentionally transmit the virus to other computers, diskettes, and software.
9. Fees Access to Online Banking is provided at no charge. Depending on which services within Online Banking you subscribe to, you may be charged the applicable fee. The Online Banking Fee Schedule is provided below. The Bank may change or add any fees for Online Banking by the following procedures outlined in Section 26 for amending this Agreement. In addition to the fees noted here, the service charges and fees provided for in the Deposit and Line of Credit agreements, if applicable, will continue to apply. You authorize the Bank to deduct all applicable Fees from the Primary Account you have specified. The Bank is not responsible for any telephone and Internet Service fees you incur in connection with your use of Online Banking.
FEE SCHEDULE Account Access: No fee ePay (Bill Payment) Access: No Fee
Popmoney Transfers (within ePay): $.50 per transfer
External Transfers (Standard and Next Day) Outbound: $.50 per transfer
External Transfers (Standard and Next Day) Inbound: No fee
10. Right to Stop Payment Under the EFTA you have certain stop-payment rights and obligations for "preauthorized electronic fund transfers". A PEFT is an electronic fund transfer that is authorized in advance and is scheduled to recur on a periodic basis. One-time transfers authorized in advance, however, are not PEFTs and are instead governed by section 10.2. 10.1 Preauthorized Electronic Fund Transfer. You can stop any PEFT by calling or writing to us (see Section 12 for telephone number and address) at least three (3) business days before the payment is scheduled to be made. If you stop payment by telephone, we may also require you to send us your request in writing within fourteen (14) days after you call. 10.2 Electronic Fund Transfer Authorized in Advance. You may have an opportunity to stop a one-time transfer authorized in advance by calling or writing to us (see Section 12 for telephone number and address) at least three (3) business days before the payment is scheduled to be made. The EFTA, however, does not obligate us to honor this request, and we do not guarantee that such a stop-payment will be made on time. Furthermore, you should realize that a one-time electronic fund transfer is irrevocable and cannot be stopped if it is scheduled to be made within three business days of our receiving of the note. 10.3 Fees for Stop-Payment. We will charge you $25.00 for each stop-payment order you give.
11. Overdrafts: Order of Payments, Transfers, and Other Withdrawals If funds are withdrawn from any of your accounts by means of electronic funds transfers, other than through Online Banking on the same business day as an Online Banking transaction, and if the account contains insufficient funds to enable both the electronic funds transfer and the Online Banking transfer or bill payment to be made, then the electronic funds transfer will have priority and the Online Banking transfer or bill payment will be refused or will result in an overdraft on your account. This is at the Bank's discretion.
12. Reporting Unauthorized Transactions or Theft or Loss of Access Codes If you believe that an unauthorized transaction has been made from your account, or if your Access Device has been lost or stolen, alert the Bank immediately by calling Online Support at: 877-465-4154 or write the Bank at: Electronic Banking Department Address: PO BOX 400 Paris, IL 61944 Hours: Monday-Friday 8:00 a.m. to 4:00 p.m. (holidays excluded) Telephone: 877-465-4154 Fax: 217-463-9014 Quickly telephoning us is the best way of reducing your potential losses, or you can e-mail the Bank contact at email@example.com. Please do not include or send any personal or confindential information in an email.
13. Periodic Statements Your Online Banking payments and transfers will be indicated on monthly statements we provide or make accessible by mail or delivery service. We may also provide or make accessible to you statement information electronically or by some other means. You agree to notify us promptly if you change your address or if you believe there are errors or unauthorized transactions in any statement, or statement information.
14. Business Days and Hours of Operation The Online Banking service is generally available twenty-four (24) hours a day, seven (7) days a week. However, we only process transactions and update information on business days. Our business days are Monday through Friday. Saturday, Sunday, and Federal Banking Holidays are not included. Any transaction(s), including scheduled payments, to be made on a day that is not a business day will be credited, completed, or made on the next business day.
15. Customer's Responsibility You must have enough available money or credit in any account from which you instruct us to make a payment or transfer, or for you to engage in any other transaction involving the payment or transfer of funds. You are responsible for all transactions and bill payments you authorize or make using Online Banking, including any transactions or bill payments that you may unintentionally or inadvertently authorize or make, and any losses, charges, or penalties incurred as a result. If you permit other persons to use Online Banking or your Access Device, you are responsible for any transactions they authorize from your deposit and credit accounts, including any losses, charges, or penalties incurred as a result. In regard to ePay, you are responsible for providing us with the proper payee (i.e., merchant) identification information, including the payee's address, telephone number, and your identification or account number with the payee. If you instruct us to make an electronic fund transfer to a particular payee and fail to give us the correct identification information, we are not responsible or liable for such a transfer. You should take the matter up with the payee receiving the funds in correcting such a transaction. It is your responsibility to authorize your bill payments in such a manner that your bills may be paid on time. You are responsible for any late payment or finance charges that may be imposed as a result of your failure to do this. 15.1 Customer Liability. You should notify the Bank immediately if you believe any of your accounts have been accessed or your Access Codes have been used without your permission. Contacting the bank immediately, especially by telephone, will help you reduce your potential losses. If someone used your Access Device without your permission, you can lose no more than $50.00 if you notify the Bank within two (2) business days of discovering any unauthorized use of your Access Device. However, you can lose as much as $500.00 if you do not notify the Bank within two (2) business days of discovering the unauthorized use and the Bank can prove that it could have prevented the unauthorized use had it been notified. If you do not report unauthorized transactions that appear on any of your periodic statements within sixty (60) days after such statements are mailed to you, you risk unlimited losses on transactions made after the (60) day period has past if the Bank can show that it could have prevented the unauthorized use had it been notified within this sixty (60) day period. At the Bank's sole discretion, we may extend the time periods. You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any other deposit account(s) you have with us to the extent permissible by the applicable law and the terms of any other relevant agreements.
16. Joint Accounts The provisions of this section apply if any of your accounts with us is a joint account. As a holder of a joint account, you are jointly and severally liable under this Agreement. Each of you acting alone may perform transactions, obtain information, stop or change payments or transfers, terminate this Agreement or otherwise transact business, take actions or perform under this Agreement. We are not required to obtain the consent of, or notify any other of you. However, each of you will only be permitted to access accounts for which you are an owner or authorized user; therefore you must each have an individual sign on. Each of you individually releases us from any liability and agrees not to make a claim or bring any action against us for honoring or allowing any actions or transactions where the person performing the action or transaction is one of you or is otherwise authorized to use your Online Banking account. Each of you agrees to indemnify us and hold us harmless from any and all liability (including, but not limited to, reasonable attorney's fees) arising from any such claims or actions.
17. Bank's Responsibility The Bank is responsible for completing transfers and bill payments on time according to your properly entered and transmitted instructions. However, the Bank will not be liable for completing transfers and bill payments: If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, if the account has been closed, frozen, or is not in good standing, or if we reverse payment or transfer because of insufficient funds; If any payment or transfer exceeds the credit limit of any account or under the Instructions of this Agreement; If you have not properly followed software or Online Banking instructions on how to make a transfer, bill payment, or other transaction; If you have not given the Bank complete, correct, and current instructions, account numbers, Access Codes, or other identifying information so that the Bank can properly credit your account or otherwise complete the transaction; If you do not authorize a bill payment soon enough for your payment to be made to the payee by the time it is due; If the Bank makes a timely bill payment but the merchant nevertheless does not credit your payment promptly after receipt; If you receive notice from a merchant or other institution that any payment or transfer you have made remains unpaid or has not been completed, and you fail to notify us promptly of that fact; If withdrawals from any of your linked accounts have been prohibited by a court order such as a garnishment or other legal process; If your Computer, your software, or Online Banking was not working properly and this problem should have been apparent to you when you attempted to authorize a transfer or bill payment; If you, or anyone you allow, commits fraud or violates any law or regulation; If circumstances beyond the Bank's control prevent making a transfer or payment, despite reasonable precautions that the Bank has taken. Such circumstances include telecommunications outages, postal strikes, delays caused by payees, fires, and floods. There may be other exceptions to the Bank's liability as stated in the deposit, line of credit, credit card, and other Bank agreements. In addition, the Bank will not be liable for indirect, special, consequential, economic, or other damages arising out of the installation, use or maintenance of Online Banking and/or its related equipment, software, or online services.
18. Disclosure of Account Information To Others To the extent necessary to carry out the Online Banking functions, the Bank may disclose information about your accounts to third parties in the following instances: Where it is necessary for completing transfers and bill payments; In order to verify the existence and condition of a Payment Account, such as a credit bureau, merchant, or for a payee or holder of a check issued by Online Banking; In order to comply with laws, government agency rules or orders, court orders, subpoenas or other legal process, or in order to give information to any government agency or official having legal authority to request such information; To protect and enforce our rights; If, in the Bank's judgment, a third party, including affiliates of the Bank, has a legitimate business purpose for obtaining such information, including offering you products or services; and if you give us your written permission (which may be by electronic or telecommunications transmission as well as on paper).
19. Notices and Communications Except as otherwise provided in this Agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records or when we make such notices available to you through our Online Banking service or at the last known e-mail address that we have for you in our records. Notices from you will be effective when received by mail at the address specified in the Agreement.
20. E-mail Communications You should realize that e-mail transmissions are not secure. Therefore, do not send us or ask us for confidential or sensitive information, such as your Access Codes (including your PIN), account numbers, or financial information over any general or public e-mail system.
21. Error Resolution This section applies only to electronic funds transfers governed by the EFTA and REG E. In case of errors or questions about your Online Banking transactions, please telephone Online Support (see Section 12). If you think your statement is wrong or if you need more information about a transaction listed on the statement, the Bank must hear from you no later than sixty (60) days after it sends or delivers to you the FIRST statement on which the problem or error appeared. If you requested more information about a problem or error, the Bank must hear from you within sixty (60) days after it sends or delivers that information to you. Tell us your name and account number(s). Tell us the type, time, and date of the transaction and the dollar amount of the suspected error. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. For a bill payment, tell us the checking account number used to pay the bill, payee name, date the payment was sent, payment amount, check number, and payee account number for the payment in question. If you tell the Bank orally, it may require that you send in your complaint or question in writing within ten (10) business days after we hear from you and will then in good faith attempt to correct any error promptly. If the Bank needs more time, however, it may take up to forty-five (45) days to investigate your complaint or question, in which case, the Bank will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes the Bank to complete its investigation. If the Bank asks you to put your complaint or question in writing and does not receive it within ten (10) business days, the Bank may not re-credit your account. If the Bank decides that there was no error, it will send you a written explanation within three (3) business days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation.
22. Information Authorization You agree that the Bank reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Bank reserves the right to obtain financial information regarding your account(s) from a merchant or other institution to resolve payment posting problems.
23. Data Recording When you contact Online Banking to conduct transactions, the information and e-mail messages you enter will be recorded. By using Online Banking, you consent to such recording.
24. Tape Recording You agree that we may tape record any telephone conversations you have with us regarding the services covered by the Agreement. However, we are not obligated to do so and may choose not to in our sole discretion.
25. No Signature Required When using Online Banking to pay bills, you agree that the Bank, without prior notice to you, may debit any payment account(s) to pay checks that you have not signed by hand or by legally acceptable form of electronic signature (e.g., digital signature). When using Online Banking to make transfers from credit accounts, you agree that the Bank, without prior notice to you, may take any action required to obtain cash advances on your behalf, including charging your linked credit account at the Bank without your handwritten or legally acceptable electronic signature.
26. Amendment of this Agreement Where the EFTA and REG E apply, the Bank may amend this Agreement at any time by sending notice to you by mail or, to the extent permitted by law, by e-mail or electronic communication through Online Banking, at least twenty-one (21) days before the effective date of the amendment. Where the EFTA and REG E apply, notice is always required if the change would result in: Increased fees for the customer; Increased liability for the customer; Fewer types of available electronic fund transfers; or
Stricter limitations on the frequency of dollar amount of transfers. If the EFTA and REG E apply, we are not required to give notice if an immediate change in terms or conditions is necessary to maintain or restore the security of an account or an electronic fund transfer system. However, if such a change is permanent, and disclosure would not jeopardize security, we will notify you in writing on or with the next regularly scheduled periodic statement or within thirty (30) days of making the change permanent. If the EFTA and REG E do not apply to a particular transaction, and other state or federal laws do not specify any notice or other requirements for an amendment, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. Your continued use of Online Banking is your agreement to any amendment(s) of the Agreement, including the Instructions as may be amended from time to time.
27. Assignment The Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the Bank or to any other party.
28. Termination Either you or the Bank may terminate this Agreement and your Online Banking subscription at any time upon giving written notice of the termination to the other party. If you terminate Online Banking, you authorize the Bank to continue making transfers and bill payments you have previously authorized and continue to charge monthly fees until such time as the Bank has had a reasonable opportunity to act upon your termination notice. Once the Bank has acted upon your termination notice, the Bank will make no further transfers or payments from your accounts, including any transfers or payments you have previously authorized. If the Bank terminates your use of Online Banking, the Bank reserves the right to make no further transfers or payments from your accounts, including any transactions you have previously authorized.
29. No Waiver The Bank shall not be deemed to have waived any of its rights or remedies unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank in exercising its rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
30. Captions The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
31. Governing Law Regardless of where you live or work or where you access Online Banking, this Agreement will be governed by, and construed in accordance with, the laws of the State of Illinois and the federal laws of the United States of America. [The law governing any deposit account subject to this Agreement will be that of the state in which the deposit account is located.]
32. Enforcement In the event either party brings legal action to enforce the Agreement or collect overdrawn funds on accounts accessed under the Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of it's reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. If there is a lawsuit, you agree that it may be filed and heard in the State of Illinois, if allowed by applicable law.
33. Severability Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law as nearly as possible to reflect the original intent of the Agreement, and the remaining portions shall remain in full force and effect.


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Used 2018 Honda Civic in Calgary, AB
- Price
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Location: Calgary
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|10,357 Km
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|Intercooled Turbo Premium Unleaded I-4 2.0 L/122
|6-Speed Manual w/OD
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Used 2018 Honda Civic
Odometer: 10,357 km
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subset: commoncrawl


text:
Is there room for Witticism in there?
Is there room for Witticism in there?
Signatures are like a box of chocolates. You never know what you're going to get.
Cricket Web Red
263 Matches. 1830 Runs @ 7.66. HS: 57*. 92 Ducks. 170 Catches
1107 Wickets @ 26.91 . BB 7/38
First CW player to reach 500, 600, 700, 800, 900, 1000, 1100 FC wickets
Yes. See Luckyeddie Petulengro's Horoscopes
Nigel Clough's Black and White Army, beating Forest away with 10 men
Sorry but..uh...uh...absolutely have to.....
yaaaawwwwnn........feel better already
Once the game is over, the king and the pawn go back in the same box
Thanks for the info LuckyE, always interesting...
I dont think I was talking abour Existentialism. I knew the meaning of Empiricism. Also, I think I confused Locke, he was an empiricist, who tried to find universal rules (Empirical formulas) from observation. And the other movement (actually school of thoguht might be a better word as I dont think it was a movement), was originated by Descartes, who did not want to find the 'truth' from observation as he thought this universe could be an illusion, a dream created by someone, and hence the 'I think therefore I am". Maybe they were called "Idealists", or maybe they werent called anything, and Im just wasting everyone's time But I would try to look it up somewhere.
I found that word LE, Descartes, Spinoza and Kant were rationalists.
Good find, Roy.
I think Descartes was a headcase myself, with a not-very-good grasp of unreality.
Is there a pun in there somewhereI think Descartes was a headcase
Yes, but not where you are looking.
Look at the few words which follow the ones you highlighted.
a question for you science folk...
lots of people say that writing on your skin with pen is really bad for you, is this just a misconception or is it true? i wonder because most people dont take much notice if it is true.
life's a gift thats why they call it the present
Simple answer - very bad.
Certain chemicals present in fibre-tip and ball-point ink are definitely not good for you.
Benzene and phenol can be absorbed subcutaneously (through the skin) - writing on the skin is almost as bad for you as putting the pen in your mouth (and that's either end - the plasticisers in the little bung at the back end can also be toxic).
Chew on a pencil instead. The paint is non-toxic, the wood will do you no harm (apart from the methanol which could cause blindness) and the carbon in the 'lead' (graphite) will do you the world of good.
ah crap... i have heaps of little notes all over my hand...
nooooooooooooooooooooo... i'm going to die
my friend wrote on my arm in black, and it came off blue... i think the pen company has tricked me- the black is just a very dark blue.
reminds me of the movie memento? anyone wtch that movie?
thats one of the best movies ive seen
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I taught ESL to Japanese for many years. I lived in Japan for 6 years. A book I found "very" useful in teaching pronunciation is called PD's It is full of drills using minimal pair exercises. It has chapters for each language group. There is a chapter on native speakers of Japanese. They give you specific exercises to use with Japanese speakers of English to help them with their pronunciation.
Good luck!


text:
WASHINGTON, DC, October 15, 2008 (ENS) - Increased water volume and pollutants from stormwater have degraded water quality and habitats in virtually every urban stream system in the United States, says a new report from the National Research Council.
The committee of experts that wrote the report says, "Radical changes to the U.S. Environmental Protection Agency's stormwater program are necessary to reverse degradation of fresh water resources and ensure progress toward the Clean Water Act's goal of 'fishable and swimmable' waters."
"EPA's current approach is not likely to produce an accurate picture of the extent of the problem, nor is it likely to control stormwater's contribution to impairing water quality," wrote the 14 member committee, chaired by Claire Welty, professor of civil and environmental engineering, and director of the Center for Urban Environmental Research and Education at the University of Maryland.
The EPA itself requested this assessment of its stormwater permitting program. and the committee's report was sponsored by the agency.
In 1987, Congress brought stormwater control into the Clean Water Act and placed it under EPA supervision. The agency now oversees stormwater discharged by cities, industries, and construction sites.
Currently, stormwater and wastewater regulations require separate permits; within stormwater regulations, different types of permits exist for municipalities, industries, and construction sites.
The current regulatory framework for stormwater, which was originally designed to address sewage and industrial wastes, has suffered from poor accountability and uncertainty about its effectiveness at improving water quality, said the committee in its report.
Following rain or snow in urban areas, large quantities of water flow over impervious surfaces, such as streets, parking lots, and rooftops, picking up garbage, asphalt sealants, motor fuels, and other chemicals.
This polluted stormwater is then collected by natural channels and artificial drainage systems and routed to nearby streams, rivers, lakes, the Gulf of Mexico and the Atlantic and Pacific oceans.
The committee recommended that the EPA adopt a permitting system based on watersheds that would encompass all discharges - stormwater and wastewater - which could impact waterways in a particular drainage basin, rather than having many individual permits.
Responsibility and authority for implementing watershed permits should be centralized with a lead municipality that would work in partnership with other municipalities, the committee suggested. The lead municipalities would receive enhanced funding to compensate for increased responsibility,
Even if the EPA decides not to adopt watershed-based permitting, adjustments could be made to the stormwater program, such as bringing construction and industrial sites under the jurisdiction of their associated municipalities, referred to as "integration" by the committee.
Federal and state permitting authorities do not have and could not expect to have enough personnel to inspect and enforce stormwater regulations on more than 100,000 point source facilities discharging stormwater.
A better structure would allow operators of municipal storm sewer systems to act as the first tier of control, the committee suggested, adding that the EPA's successful treatment program for municipal and industrial wastewater sources could serve as a model for integration.
The committee recommended that the federal government provide more financial support to state and local efforts to regulate stormwater. Funds for the wastewater program greatly outnumber the stormwater program, even though there are five times more stormwater permit holders than wastewater permit holders.
Because the area being appropriated for urban land use is growing faster than the population, stormwater management will be ineffective without also considering land use management, the report says.
Future land development and its potential increases in stormwater must be considered and addressed in the EPA's stormwater regulatory program.
Permit programs could be based on "rigorous projections of future growth and changes in impervious cover," the committee said, "or regulators could be encouraged to use incentives to lessen the impact of land development."
Additionally, the committee recommended that the stormwater program focus less on chemical pollutants and more on the increased volume of water.
In urban areas, stormwater flows rapidly across the land surfaces and arrives at streams in short, concentrated bursts of high water discharges, which in turn increases streambank erosion and accompanying sediment pollution of surface water. But the volume of discharges is not regulated at all by the EPA.
Also, little account is taken of the cumulative contributions of multiple sources and pollutants in the same watershed, because most discharges are regulated on an individual basis.
The committee also addressed conserving natural areas, reducing hard surface cover such as roads and parking lots that channel stormwater into waterways, and retrofitting urban areas with features that hold and treat stormwater.
{Photo: Stormwater pours into a tributary of the Potomac River in Maryland. (Photo courtesy Potomac Conservancy)}
Copyright Environment News Service (ENS) 2008. All rights reserved.


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BIRMINGHAM, Ala.—Led by sophomore Larry Thomas with 31 points on 12-16 shooting, the No. 12 Birmingham-Southern men's basketball team defeated in-state rival Huntingdon College, 90-80, Saturday evening in Bill Battle Coliseum in the final game of the 2012 Black Tie Classic.
BSC moves to 2-0, while the Hawks fall to 0-2 after losing to Emory on Friday. Emory and University of the Ozarks also faced off earlier today, with Emory winning 90-80.
Besides Thomas' strong performance from the outside, hitting 7-9 from three-point range, 56 of the Panthers' points were in the paint, with senior Zac Richards scoring 23 of those on 11-15 shooting.
BSC opened the game with a 4-0 lead and the Hawks tied it up 4-4 before the Panthers pulled ahead for good. BSC increased its lead to 14-7 by the 14:21 mark and then 21-13 at the 10:03 mark, after which the Hawks made an 8-2 run to cut it to 23-21 with 7:15 left in the half. But that was the closest they would come as the Panthers increased their lead steadily for the remainder of the half, going up by as much as 18, 46-28, before taking a 49-35 lead into the halftime break.
The Panthers kept their lead for the duration of the game, although Huntingdon stayed just a couple of steps behind BSC the whole way, cutting the lead to seven several times. BSC kept scoring, though, and led 90-76 with 1:25 left in the game before winning by 10.
Thomas led all players with his 31 points, followed by Richards with 23. Richards also led on the boards with eight rebounds, and Thomas grabbed seven steals. Senior Blaise White led with six assists and also had four steals.
Jeremiah Thomas led Huntingdon with 22 points, followed by Ryan Petty with 20 and Jason Varney with 10. Thomas also led with seven rebounds.
BSC shot well in the game, hitting 38-64 (.594) from the field and 10-22 (.455) from long range. The Panthers were 4-7 (.571) at the free throw line. The Hawks shot 29-61 (.475) overall, 8-23 (.348) from three, and 14-18 (.778) from the line.
Rebounds were nearly even with the Panthers pulling down 32 to the Hawks' 31. Huntingdon turned the ball over 19 times to BSC's 17.
The Panthers are on the road for the next month, beginning with a road game against LaGrange this Tuesday, Nov. 20, at 8 p.m. Eastern. BSC returns home on Monday, Dec. 17, against Rust College at 7 p.m. Central.


text:
Photographed by Michael Nason
William H. Wilkinson, b. abt. 10 Jun 1797 in South Berwick, Maine
son of William Wilkinson and Mercy Nason
d. 17 May 1882 in Rochester
m. first on 8 Feb 1820 in Berwick, Maine to
Joanna Varney, b. 1795
daughter of David Varney and Martha Goodwin
d. 16 Jul 1837 in Rochester
m. second on 8 Apr 1838 in Somersworth, New Hampshire to
Mary Lord b. abt. 1 Apr. 1809 in Berwick, Maine
daughter of Jeremiah Lord and Mary Frost
d. 1 Jun 1886 in Rochester
Copyright 2010, Heather Wilkinson Rojo


text:
War is hell on your ears. The thuds of artillery, choppers overhead, screams, constant gunfire—it's a sensory nightmare. So how do you get ready for this sonic brutality? Desensitize yourself in this extremely sophisticated audio war simulator. Kaboom.
The soundstage, created by and located at the Missouri University of Science and Technology, uses 64 surround speakers to subject recruits to an audio pummeling: tanks, guns, helicopters—all moving around you as if you were actually there (although limited to a federally-capped 100 decibels). It's safe for up to two hours, during which soldiers drill in full gear. The hope is that once they arrive in a real battlefield, they'll have some idea of what to expect. But of course, there's nothing like the real thing. [Danger Room]


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0 items
0 items
Show: All ManufacturersBrookSmallCab
Brand new 220V/110V arcade cabinet power supply.
5V and 12V power supply for arcade terminal.
Use with all small JAMMA-format PCBs that do not require -5V or high amperage on the + 5V (Ex: Slot MVS, PCB Xin1)
Bring new gaming comfort to your NEOGEO !!
With this Brook converter you can use your joypad or arcade stick (wired or wireless) from your PS3 / PS4 directly on your Neo Geo!
To you the retro gaming installed comfortably in your sofa
Cable Scart male / male shielded, gold plated and fully wired.
You can connect your Supergun (or other device) to a TV with a SCART connector.
Clip-on voltmeter 5/12V.
This map allows you to change the position of the image from a JAMMA PCB (horizontal / vertical) on your TV screen.
Jamma longer connector, to allow you to gain some cm
for a better use, for example, of superguns).
Kick harness CPS1 Supergun SmallCab (from version 1.6 with a DB9 connector).
This allows you to harness kick simply and easily manage the buttons 4, 5 and 6 of your card CPS2 / 3.
Kick harness CPS2/CPS3 Supergun SmallCab (from version 1.6 with a DB9 connector).
This allows you to harness kick simply and easily manage the buttons 4, 5 and 6 of your card CPS2 / 3.
Mini voltmeter from 3 to 20V.
Perfectly adapted for your electronic assemblies.
It will allow you to measure your 5V or 12V voltages of your terminals (to be connected as close as possible to your PCBs to avoid losses).
Replacement cable for Neo Geo joystick in DB15 format.
This cable is also suitable for the modification of an arcade stick to a Neo Geo stick.
Neo Geo controller extension cable.
Use your PSX joypad, Dualshock (PSX 1), or Dualshock 2 (PSX 2) on your NEO-GEO or on your Supergun.
2 levels of Turbo Fire on A ,B, C and D buttons.
This supergun (v1.6) allow you to use JAMMA PCB directly on your TV equipped with SCART.
The Supergun SmallCab Deluxe (v2.2) will allow you to use JAMMA-style arcade cards directly on your TV equipped with a scart socket.
This supergun light (v1.6) allow you to use the cards JAMMA arcade format directly on your TV equipped with SCART.
Protection kit for Supergun SmallCab v1.6, does not fit on version 1.2 / 1.3 / 1.4 and 1.5.


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EXCLUSIVE: Model & Presidential Granddaughter Lauren Bush Applauds First Lady Michelle Obama's Style!
Even though their families may not agree when it comes to politics they both share the same views on style!
Michelle Obama's outfits get as much attention as the First Lady herself, so before viewing the spring/summer 2011 Carolina Herrera collection sponsored by EFFEN vodka at Lincoln Center during Mercedes-Benz Fashion Week on Sept. 13, we got the chance to chat with former presidents George H.W. Bush's granddaughter and George W. Bush's niece, model Lauren Bush, where she weighed in on the First Lady's fashionable choices!
"I think [her sense of style] is great, I think it's wonderful that she's supporting young designers I think thats very cool," she said.
While she loves the way the First Lady is bringing exposure to emerging designers and is expanding the general public's knowledge of the fashion world, at the end of the day she commends her for staying true to her personal taste. "I think each woman should wear what they feel comfortable in and what reflects their own personal style."
While their families may have different views, Lauren, who says her style is definitely "more classic," seems to have found a unifying factor! And as for the show, I wouldn't be surprised if Michelle slipped into some of Herrera's cocktail dresses — they were very classic and chic, just the way the First Lady likes to look.


text:
'Don't corrupt our food!', said the T-shirts worn by Greenpeace India activists protesting against the Biotechnology Regulatory Authority of India (BRAI) bill, outside Parliament. The activists were arrested and released later.
Watch what happened outside Parliament:
BRAI, the proposed body will become the sole and unquestioned approver of genetically modified crops in our country.
1 - 12 of 2564 results.
Follow @greenpeaceindia


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VIDEO: Sneak Peek - ANNIE'S SEARCH FOR SANDY on NBC
ANNIE's SEARCH FOR SANDY, a 30-minute television special about the nationwide search to find the canine star of Broadway's new production of the Tony Award-winning classic musical, Annie, will air on Saturday, October 27 and Sunday, October 28 on NBC stations around the country, including the 10 NBC-owned stations serving the following markets: New York, Los Angeles, Chicago, Philadelphia, San Francisco Bay Area, Dallas-Ft. Worth, Washington, D.C., San Diego and Connecticut, as well as the NBC affiliate in Nashville. "Annie's Search for Sandy," hosted by Al Roker, has been produced by Al Roker Entertainment and Annie The Musical LLC, in partnership with PEDIGREE Food for Dogs. Get a sneak peek below!
In this reality show, Bill Berloni, a Tony Award honoree for his work as Broadway's preeminent animal trainer, searches shelters across the country to find just the right dog to become Broadway's newest Sandy. Berloni discovered Broadway's first Sandy at a shelter in 1977 and has since been committed to finding all of his Broadway stars in local shelters. With the help of PEDIGREE, who share the belief that every dog deserves a loving home, Bill searches the country to find just the right rescue dog to become a star and Annie's beloved best friend.
Berloni eventually discovers Sunny, a two-year-old terrier mix from the BARC Municipal Shelter in Houston, only 24 hours before she was scheduled to be put to sleep as an unwanted shelter dog. In "ANNIE's Search for Sandy," find out how Sunny got the job as Broadway's newest four legged star; watch how Bill Berloni works with Broadway's Annie, Lilla Crawford, on preparing Sunny for the stage debut; and learn some valuable training tips on how to make your dog a star in your own home.
Air schedule and markets follow:
Saturday, October 27
6:00-6:30 PM Chicago: WMAQ
6:30-7:00 PM San Diego: KNSD
Dallas: KXAS
Nashville: WSMV
7:00-7:30 PM New York: WNBC
Los Angeles: KNBC
Philadelphia: WCAU
Miami: WTVJ
Hartford: WVIT
7:30-8:00 PM San Francisco: KNTV
Sunday, October 28
12:00-12:30 PM Washington, D.C.: WRC
ANNIE, the new production of the Tony Award-winning musical, is now in previews and opens Thursday, November 8 at the Palace Theatre (Broadway at 47th Street). Annie features a book by Thomas Meehan, music by Charles Strouse and lyrics by Martin Charnin, with all three authors receiving 1977 Tony Awards for their work. Annie is directed by Pulitzer Prize and three-time Tony Award-winner James Lapine and choreographed by Tony Award-winner Andy Blankenbuehler.
ANNIE stars two-time Tony Award winner Katie Finneran as Miss Hannigan, Australian star Anthony Warlow making his Broadway debut as Daddy Warbucks and 11-year-old Lilla Crawford as Annie, with Brynn O'Malley as Grace Farrell, Clarke Thorell as Rooster Hannigan, and J. Elaine Marcos as Lily St. Regis. The Orphans are Madi Rae DiPietro as July, Georgi James as Pepper, Junah Jang as Tessie, Tyrah Skye Odoms as Kate, Taylor Richardson as Duffy, Emily Rosenfeld as Molly and Jaidyn Young as standby for the roles of Annie, Pepper, Duffy and July. The production also features Ashley Blanchet, Jane Blass, Jeremy Davis, Fred Inkley, Merwin Foard, Joel Hatch, Amanda Lea LaVergne, Gavin Lodge, Liz McCartney, Desi Oakley, Keven Quillon, David Rossetti, Sarah Solie, Dennis Stowe and Ryan VanDenBoom.Buy Tickets to Annie - click here.


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Police Use HIPAA To Justify Charging Citizen For Recording Them
from the well-that's-just-bullshit deptAt some point, some national group is going to have to get the memo out to local law enforcement agencies within the United States that it is perfectly legal to record them while they operate in public. We've seen case after case after case of citizens having their property taken away or being charged with trumped up crimes all because they pointed a recording device at the police. Hell, some states have tried to enact unconstitutional laws to back up their ill-conceived and unwarranted positions.
All that being said, you just have to hand it to a police force up in Minnesota for the sheer cajones it took to do what they did. It started as other stories have, with a citizen, Andrew Henderson, recording police as they frisked a bloodied man before he was loaded into an ambulance and then having an officer take his recording device away.
The deputy, Jacqueline Muellner, approached him and snatched the camera from his hand, Henderson said.
"We'll just take this for evidence," Muellner said. Their voices were recorded on Henderson's cellphone as they spoke, and Henderson provided a copy of the audio file to the Pioneer Press. "If I end up on YouTube, I'm gonna be upset."We've seen this kind of thing before, of course. Police use the excuse of evidence collecting to take away recording devices, which is really the only thing they're interested in. It's wrong. We get that. Usually some kind of internal review of the incident is triggered, asses are officially covered, and then the recording device is returned, sometimes after having been wiped. It's a bad enough story as it stands.
And that scenario is almost exactly what happened here, as the spokesman for Ramsey County acknowledged in a quote that citizens have the right to record police. But everyday abusive practices aren't enough for Ramsey County officers, apparently. The only thing that will satisfy them appears to be a new level of bullshit hitherto unseen, because a week later, when Henderson went to retrieve the camera, the police charged him with disorderly conduct and obstruction, with the citation noting that this was due to a "Data privacy HIPAA violation." In case you aren't clear on this, in the blogging industry, we refer to this as a massive amount of bullshit (piles and piles of it).
The allegation that his recording of the incident violated HIPAA, or the federal Health Insurance Portability and Accountability Act, is nonsense, said Jennifer Granick, a specialist on privacy issues at Stanford University Law School. The rule deals with how health care providers handle consumers' health information.
"There's nothing in HIPAA that prevents someone who's not subject to HIPAA from taking photographs on the public streets," Granick said. "HIPAA has absolutely nothing to say about that."The kicker? The deputy who had taken the camera for "evidence" purposes erased all the footage. The exchange in which she took that camera was audio recorded by Henderson separately on his cell phone, a recording which he still has. I would suggest that if the police do not immediately rescind their trumped up charges against him, Henderson should insist that we take the deputy at her word, assume she collected the camera and its footage as evidence, and then we can all begin discussing how much prison time the deputy should be doing for destruction of evidence and obstruction of justice.
That's no more crazy than anything the police have done in this story.
Filed Under: hipaa, overreaction, police, ramsey county, recording


text:
John Wayne's Mansion for $3.95 Million
John Wayne's former Newport Beach home lists for $3.95 million; the former French Riviera home of cosmetics queen Estée Lauder has listed for $13.01 million; an 118-acre estate in Jackson Hole, Wyo. that listed for $37 million is going to auction; a San Francisco mansion asks $11 million. Candace Jackson has this week's Private Properties.
This transcript has been automatically generated and may not be 100% accurate.
... I ... ay ay ay ay ... in your your your first you now have the chance to buy the ... former home of actor John Wayne that is if you have three point nine five million status Texas high ... when he got five copies report ... just out which on a new start a job ... yet but settle easily ... it's a bit but it's it's and it's a big when it's forty five minutes graffiti in a gated community in ... California ... and I'm I'm sorry Newport Beach Calif new one and this is the place he owned in the seventies is making a lot of amazing council passed in nineteen seventy nine in courts that ... this is this was his house its tenth early remodeled by the current owner is hurting relations idea yet this isn't to ... deal with the style right I mean what's the use of winging it or not that's not nice because the field John Lane hasn't been the standout lead inside but it's you know it was his housemates an amazing piece of payment ... history I can email fireplaces and sizes from limestone usage understand yet it is marble and lines when stone fireplaces which are new and brand new ... kind of everything cabinetry way there's a wood paneled library ... you know ... that they redid everything David everything yet on Wayne isn't for you we do you found something on the French Riviera ... yes it looks ... for something more ... French aviary ... I'm ... a female star it says Anthony mutters former mansion on the former home of the French Riviera and on and it's the third to about thirty million thirteen point one million dollars in fact I can get the three level forty eight hundred square foot the bill last ... and it was built in the early nineteen hundreds so big that is not Q what you're paying for here's the location ... yet you're paying for the location and it's very well done right time and she bought this property in nineteen sixty one and use it for her summer holiday it's safe to live in John Wayne's comic of living that's a lot of former home was good for Wyoming a state that were really setting up nicely here for your portfolio in cash I'm so yet you can get this Wyoming a state which has been on the market for a while I believe in was reduced to thirty two point nine five million at the end of February ... well now it's hitting the auction block so ... you can probably get a pre good feeling a lot of property with it ... yes it's a huge property of the Eastern Roman hundred acres ... on it's apparently very well located right near Jackson hole Airport in the ski resort in ... downtown Jackson Wyoming but the devil but water up their house on fire but maybe I'll look like everything ... fined one hundred and eighteen acre lambing property ... I would want that was to be a that I think the quintessential quintessential Jackson Hole Clifford can stick out in Wyoming and I ... have to go even for the West San Francisco if you guys found ... well if you want them in sentences go this places on the market for eleven million dollars and what's interesting here is that the current owners bought it in nineteen eighty and peed nine hundred and seventy five thousand dollars for ... the second area allow ... selling us but they put a channel for content based on about five years are not willing to look at the time to sign her ... it and stick is almost ten thousand square feet at twenty five hundred square feet and Presidio Heights with by better second half after new here you know that's not the same Illinois does a lot of money that he was happy to see increases to real state prices ... this isn't even like ... the right here right to have the poets in the city ... are you not to cover something else for starting to say that that's not bad for change at hearing that are still out of my pre strange but a good deal for someone to do for someone Daiei Candace Jackson s Private Properties


text:
World Entertainment News Network
Actor Corey Feldman says he is living in fear after the publication of his new autobiography, Coreyography, because he's convinced the Hollywood executives and stars who preyed on him and other child stars, like late pal Corey Haim, in the 1980s are out to silence him.
The Lost Boys star opens up about the sex abuse he was subjected to as a teen by big name Tinseltown players, who are still active in the industry today.
Feldman doesn't name names in the book, insisting it's not his job to incriminate people – but there is one former talent manager he has identified, convicted child molester Martin Weiss, who pleaded no contest to abusing a young artist in 2011. He was sentenced to a year in jail but released the same day after it was agreed he had already served the time in the run-up to the case.
Appearing on Access Hollywood Live on Thursday, Feldman said, "I know a lot of these monsters are definitely still working in the industry … Marty Weiss … is out there. If he wants to put a hit on me, hey, I believe God protects me from evil like that … (but) I am very scared.
"As much as I go out there with bravery and confidence and I talk like I'm positive, I still have my moments where I question it … Last night, I was sitting there going, 'Oh my God, a whole nother (sic) day of interviews. Am I doing the right thing? God, please give me guidance.'"
And Feldman admits he's not getting a lot of support from his family and friends as he opens up about his troubled past in the revealing new book.
He adds, "My mom doesn't support this. … All these people are coming out, trying to say that I'm a liar for telling my story … I didn't even wanna tell my story, I was scared to tell my story, but I just knew somewhere in my heart this has to be done."
In Coreyography, Feldman also opens up about the physical abuse he experienced at the hands of his mother, who battled drug abuse when he was younger. She has denied the allegations while her son claims she "blocked it out purposefully".


text:
CONAKRY (Reuters) - The number of deaths caused by Ebola has slowed dramatically in Guinea and the outbreak is nearly under control, the country's health ministry said on Tuesday.
The spread of Ebola from a remote corner of Guinea to the capital and into neighboring Liberia has killed about 130 people and spread panic across West African nations struggling with weak healthcare systems and porous borders.
While Guinea claimed progress in containing the virus, U.S. experts opened a lab for testing for Ebola in Liberia and Gambia stepped up travel restrictions, banning in-bound flights from collecting passengers in Guinea, Liberia and Sierra Leone.
"The number of new cases have fallen rapidly," said Rafi Diallo, a spokesman for Guinea's health ministry, who gave the latest toll of 106 dead in Guinea from 159 confirmed and suspected cases of Ebola since the outbreak began in February.
Diallo said the new cases being monitored were all people who had been in contact with those who had fallen ill but were not themselves unwell.
"Once we no longer have any new cases ... we can say that it is totally under control," he added.
The World Health Organisation (WHO) said earlier this month that it would take two to four months to contain the Ebola outbreak, which is said had been one of the most challenging it had ever faced.
There is no vaccine or cure for Ebola, a hemorrhagic fever with a fatality rate of up to 90 percent.
However, Diallo said Guinea had recorded 37 cases of people recovering from the disease.
The WHO has said that just under 400 people were still being observed after being identified as potential Ebola contacts. Tracing potential cases in Conakry, the sprawling capital that is home to 2 million people, was tricky, it says.
Meanwhile, the U.S. Department of Defense on Monday opened a laboratory on the outskirts of Monrovia to test the rising number of samples of suspected cases in Liberia. It will eliminate the need to send samples overland into Guinea's remote southeast, where the disease was first confirmed and tests from Liberia are now being carried out, officials said.
Liberia's health ministry has recorded at least 13 deaths from 26 confirmed and suspected cases of Ebola. At least two of the dead were health workers, highlighting the need for experts to advise local staff on how to operate in the crisis.
Ebola cases in Liberia were first found near the border with Guinea but have been nearing the capital, Monrovia.
Samples tested in Mali, Ghana and Sierra Leone have been negative so far. But they have imposed restrictions ranging from basic health checks at airports to Dakar's completely shutting the land border between Senegal and Guinea.
Gambia on April 10 banned Banjul-bound aircraft from picking up passengers in Guinea, Liberia and Sierra Leone, according to a letter from the transport ministry seen by Reuters.
Additional reporting by Clair MacDougall in Monrovia and Umaru Fofana in Freetown; Writing by David Lewis; Editing by Larry King


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|OpenBSD Packages and Ports Installation and upgrading of packages and ports on OpenBSD.
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Much thanks.. - I will report any I find..
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Nothing to report..
Everything upgraded without incident.
I didn't cvs update ports, instead I just pulled ports.tar.gz down.
Had to run make update on:
- freeze
- urar
- unarj
--- clamav-0.93 ------------------- You should also check /etc/clamd.conf (which was modified) You should also check /etc/freshclam.conf (which was modified) You should also run rm -fr /var/db/clamav/* You should also run rm -fr /var/spool/clamav/* You should also run rm -fr /var/clamav/* Edit /etc/clamd.conf and /etc/freshclam.conf to use ClamAV.
# rm -fr /var/db/clamav/* # rm -fr /var/spool/clamav/* # run rm -fr /var/clamav/* # chown -R _clamav:_clamav /var/amavisd # freshclam
for both packages.
root@reflux/usr/ports/net#pkg_add -ui nagios Not updating .libs-gettext-0.16.1, remember to clean it Candidates for updating nagios-3.0.2-chroot -> nagios-3.0.3-chroot Candidates for updating glib2-2.16.1 -> glib2-2.16.4 Candidates for updating nagios-plugins-1.4.11 -> nagios-plugins-1.4.11 Candidates for updating pcre-7.7 -> pcre-7.7p0 Looking for updates: complete Running the equivalent of pkg_add -r nagios-3.0.3-chroot glib2-2.16.4 nagios-plugins-1.4.11 pcre-7.7p0 New package nagios-3.0.3-chroot contains potentially unsafe operations @exec ln -s /var/www/etc/nagios /etc @exec ln -s /var/www/var/log/nagios /var/log @exec ln -s /var/www/var/nagios /var proceed with update anyways? [y/N/a] y Old package nagios-3.0.2-chroot contains potentially unsafe operations @unexec rm /etc/nagios @unexec rm /var/log/nagios @unexec rm /var/nagios proceed with update anyways? [y/N/a] y Forward dependency of nagios-web-3.0.2-chroot on nagios-3.0.2-chroot doesn't match nagios-3.0.3-chroot, proceed with update anyways? [y/N/a] y pcre-7.7p0 (extracting): complete pcre-7.7 (deleting): complete pcre-7.7p0 (installing): complete glib2-2.16.4 (extracting): complete glib2-2.16.1 (deleting): complete glib2-2.16.4 (installing): complete nagios-plugins-1.4.11 (extracting): complete nagios-plugins-1.4.11 (deleting): complete nagios-plugins-1.4.11 (installing): complete nagios-3.0.3-chroot (extracting): complete nagios-3.0.2-chroot (deleting): complete nagios-3.0.3-chroot (installing): complete Clean shared items: complete --- nagios-3.0.2-chroot ------------------- You should also check /var/www/etc/nagios/cgi.cfg (which was modified) You should also check /var/www/etc/nagios/nagios.cfg (which was modified) You should also check /var/www/etc/nagios/objects/commands.cfg (which was modified) You should also check /var/www/etc/nagios/objects/contacts.cfg (which was modified) You should also check /var/www/etc/nagios/objects/localhost.cfg (which was modified) You should also check /var/www/etc/nagios/objects/templates.cfg (which was modified) Remember to update /var/www/var/log/nagios/nagios.log Remember to update /var/www/var/nagios/objects.cache Remember to update /var/www/var/nagios/retention.dat Remember to update /var/www/var/nagios/status.dat Remember to update /var/www/var/nagios/rw/nagios.cmd You should also run rm -f /var/www/etc/nagios/* You should also run rm -f /var/www/var/log/nagios/archives/* --- nagios-3.0.3-chroot ------------------- Sample configuration files and web server configuration can be found in /usr/local/share/examples/nagios. Beware that Nagios might or might not work correctly on 64bit machines. To start nagios automatically, add these lines to /etc/rc.local if [ -x /usr/local/sbin/nagios ]; then install -d -o _nagios /var/run/nagios echo -n ' nagios'; /usr/local/sbin/nagios -d /etc/nagios/nagios.cfg fi --- nagios-plugins-1.4.11 ------------------- The check_dhcp and check_icmp plugins need to run with superuser privileges. For security reasons they are not installed suid root by default. If you want to use them, you have to either change their mode manually or use systrace's privilege elevation feature. For further details see /usr/local/share/doc/nagios-plugins/README.OpenBSD.
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Integrated fuels, lubricants and engineering services.
WP Group - Choose your industry - Tailored industry solutions.
ExxonMobil's Strategic Lubricants Distributor
As an official UK Mobil distributor, WP offer the complete range of industry specific lubricants. Specialising in the very latest synthetic technology, Mobil's bespoke range of products are scientifically proven to deliver energy savings, reduce fuel consumption and decrease waste.
WP Group - Fuel Distribution
With a fleet of over 50 tankers and a network of approved delivery partners, WP provide emergency level response throughout the UK.
WP Group supplies high quality fuels including Road Diesel, Red Diesel (Gas Oil) and Kerosene (home heating oil). Our fuels are specially formulated to exceed the exacting requirements of the UK market, with Advanced formulas available to improve fuel efficiency and prolong equipment life.
With 50 years' experience in the fuel industry with a team of specialist engineers, WP Group is challenging traditional fuel management techniques to find better, smarter and more effective ways to ensure fuel quality and guarantee uptime. With a team dedicated to standby power and critical services, WP Group is an industry leader in Uninterrupted Power Management.
Sustainable Solutions
Combining world-class application expertise with a range of innovative products and equipment, WP work alongside key customers to drive down total operating expense. The programme focusses on three key objectives;
1. Extend asset life, prevent reactive maintenance & protect against downtime
2. Increase efficiency, reduce consumption and minimise waste
3. Ensure compliance and reduce HSE risks
WP is committed to developing a sustainability culture throughout the company and will promote this with its business partners, key suppliers and customers. This is achieved by behaving ethically, valuing our people, working with local communities and setting the example in the protection of our environment.
WP Group - Industry certifications and accreditation's


text:
Cheltenham degu care with Social Paws
Bespoke pet care in and around Cheltenham ... specialising in one to one dog walking, pet sitting and animal behaviour.
Managed by Helen Eade Social Paws Cheltenham is an independent business offering piece of mind for all of you animal lovers out there.
With over 18 years experience and a BSc (Hons) degree in Animal Behaviour, Helen at Social Paws is proud to offer a bespoke pet care plan catered for you and your pets needs.


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Anyone who fretted that the hard drive industry, having been whittled down to three remaining players, had seen the last of technology surprises got a lift when HGST, now a part of Western Digital, unveiled the first-ever helium-filled hard drives.
By replacing the air inside the drives with helium, it is possible to decrease the space between platters, leading to a significant boost in capacity without a massive investment in new technology.
And, lingering illusions that tape is dead got shattered with the late 2012 release of LTO-6 tape drives and cartridges, which provide up to 6.25 TB of compressed data per cartridge and a compressed data transfer speed of up to 400 MB per second.
The release showed that the consortium of LTO tape technology developers remain on track on a road map stretching years into the future, and it let businesses know tape remains the low-cost way to archive data despite the cloud's often-false promise to reduce archiving costs.


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Susannah York, perhaps best known for her Oscar-nominated role in the 1969 film "They Shoot Horses Don't They?" passed away from a fight with cancer. She was 72.
Reuters reports that York was one of the mainstays of 1960's cinema, having roles in such films as "Tom Jones," and "A Man For All Seasons." The actress starred across from notable names like Elizabeth Taylor, Marlon Brando, and Peter O'Toole.
"She was an absolutely fantastic mother," said her actor son Orlando Wells, to the British newspaper, the Sunday Telegraph. "She loved nothing more than cooking a good Sunday roast and sitting around a fire of a winter's evening. In some sense, she was quite a home girl."
U.S. & World
Selected Reading: Reuters


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When I was out grocery shopping yesterday, I ran across a sale on raspberries. A 6 oz. container was $.99!! I bought 12 of them. Yes, I said 12. 😉
I pondered what to do with all of these. I love raspberries fresh. I love them on cereal, yogurt, salad, ice cream, waffles, etc. However, we all know they don't last long once they have been picked. I kept 2 containers out & froze the rest. I considered jam/preserves for about 30 seconds. I Googled the procedure and once I learned that I would have to buy all kinds of canning/jarring equipment, that idea was out the window. LOL!!
I Googled how to freeze the berries and it was super simple. I figure now I can use them for baking, smoothies, ice cream, cereal, pancakes, etc. I washed the berries first by dipping them in cold water in a colander.
Then I spread them out over a few dishtowels to dry.
Then I spread over a few cookie sheets in a single layer and placed in the freezer. They need to stay like that for 24 hours and then they can be placed in a bag or Tupperware container.
I just transferred the berries to their new homes, a Ziplock bag and snagged a few frozen ones to chomp on. YUM!! I could used these as ice cubes in seltzer, too!
I may even go back & buy more this week. 🙂 As I always say, best thing about fresh fruit & veggies are that they are naturally gluten-free!
Filed under: Family, Gluten-Free, Gluten-Free Recipes | 17 Comments »


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A man in Florida is arrested after scaring moviegoers by pacing and yelling at a showing of "The Dark Knight Rises." WTVJ's Ari Odzer reports.
A Miami Beach man is in custody after he caused a panic in a theater during a showing of "The Dark Knight Rises," police said Tuesday.
According to a Miami Beach Police arrest affidavit, 44-year-old David Martin Escamillo was at the Regal Movie Theater late Monday night when he got into an altercation with another moviegoer, left the theater and returned wearing black gloves and screamed "This is it!" from the back of the theater.
Escamillo's actions sent a hundred moviegoers fleeing for the exits, the affidavit said.
When officers responded to the theater to a call of shots fired, they found three moviegoers detaining Escamillo, who was screaming, "I didn't shoot anybody," the affidavit said.
James Butler said he and his brother were two of them. They waited outside the theater and chased Escamillo down and held him until police arrived.
"My instincts kicked in, and I was like, let's get this guy. He was screaming, 'I never shot anyone, I never hurt anyone,'" Butler said.
Escamillo, who sounded irrational and had a strong smell of alcohol on his breath, was taken into custody, the affidavit noted.
"We were able to determine there was never any weapon, it was just this individual with the two black gloves saying, 'This is it,'" Miami Beach Police Sgt. Bobby Hernandez said.
Witnesses said Escamillo had left his seat during the movie and was going up and down the stairway several times, according to the affidavit.
The witnesses also said no shots were fired and no shell casings were found, the affidavit said.
When officers searched the theater, they found several sandals that were left behind by moviegoers who fled the scene.
Escamillo is facing disorderly conduct and affray charges in the incident and has a warrant for battery, jail records showed. He was being held on $8,000 bond and it was unknown whether he has an attorney.
The theater declined to comment Tuesday.
The incident comes just days after 12 people were killed and dozens injured in a shooting in an Aurora, Colo., theater during a showing of "The Dark Knight Rises."
Police said they responded with massive force here because of what happened in Colorado.
"We can't take any chances, and we also understand the sensitivity of that, everybody's thinking Colorado, it's on everybody's mind," Hernandez said.
He added, "Had that incident not happened in Colorado maybe none of this would've happened, maybe people would've just thought, here's another nut and let's just keep watching our movie."
While some may be thinking about the scare, other ticketholders say they aren't going to let it affect them.
"If we focus on the negative energy, we're giving more power to them, so I try to avoid that," moviegoer Jose Salaicez said.
More content from NBCNews.com:
- Give us a break from ethanol, drought-hit livestock producers ask EPA
- Prop 8 backers ask Supreme Court to review gay marriage ban
- Bedbugs, energy 'audits' among new top consumer headaches
- Man shoots at police officer in dash-cam video
- Sergeant faces 30 days, demotion over soldier's suicide
Follow US News from NBCNews.com on Twitter and Facebook


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That funny taste in my mouth
August 23, 2012 § 19 Comments
In the same week that Lance Armstrong's challenge to USADA got tossed out of court, Bicycling Magazine released an in-depth interview with Jonathan Vaughters about his doping past. The irony was exquisite.
On the one hand, Armstrong is in the final throes of being ground down by a long, tortuous process that punishes drug cheats. On the other, Vaughters has escaped all punishment, been rewarded as a hero and spokesman for clean cycling, and continues to make a comfortable living at the pinnacle of the sport whose rules he once abused with abandon.
Is it justice? Or is it Memorex?
To be sure, Armstrong still has a few cards left to play, but they're certainly not face cards from a strong suit. At this point, however, it's hard to imagine his athletic career and sporting legacy ever reviving. You just don't come back from a lifetime ban unless you're a zombie.
There is, in the anti-Armstrong camp, a sense of jubilation, or grim satisfaction, or plain relief that the doors of the doping jail are closing shut. What there isn't, and what there shouldn't be, is a sense of justice having been done.
Vaughters proves it.
Unlike Hamilton, or Landis, or Basso, or Ullrich, or Pantani, or Virenque, or Millar, or any of the numerous riders sanctioned for cheating, Vaughters walked. The same system that has zeroed in on Armstrong and made sure that he gets punished for cheating has turned a blind eye to Vaughters. It has done more than turn a blind eye: It has anointed him.
How can this possibly be fair, even in the weird world of pro cycling? The sops at Bicycling can barely even raise the question, let alone pursue it with the rigor of a journalist.
Lips moving? He's lying.
In the interview, Vaughters contradicts himself with previous statements so quickly that it's as if he doesn't believe in the Internet. Here's Vaughters, a scant ten days ago in the NYT:
If the message I was given had been different, but more important, if the reality of sport then had been different, perhaps I could have lived my dream without killing my soul. Without cheating.
Here he is today:
Obviously, I'm not a victim. The decision (to dope) was mine and mine alone.
Which of these two versions would he like to have for dinner? They're mutually exclusive. If a rotten system forced him to choose between cheating and quitting, he was a victim. If, on the other hand, the decision to dope was his and his alone, he's not a victim, but rather a douchey cheat. Sound confusing? It is, even to Vaughters. That's what happens when you're a habitual liar: You can't keep your bullshit straight even in the same article.
Immediately after telling us that the decision to dope was his and his alone, he describes the process through which his team director, a devout and principled man, told him that henceforth he would be put on EPO. Vaughters:
I quickly figured out he was talking about EPO. As much as I should've said no, and as much as I was intelligent and should have said, 'Wait, this is bullshit,' in my mind he'd just spelled out that I wasn't going to dope; we'd just make my hematocrit what it would have been had I not been riding my bike so damn much.
In this scenario, Vaughters was either forced into it by his team boss, ergo victim, or he knew what he was doing and did it anyway, ergo douchey cheat.
Let the ends justify the means
Vaughters flips back and forth between "I'm not a victim" and "The system made me do it" over and over, and he does so with good reason. Not only is the interviewer, Joe Lindsey, a patsy, but these mutually exclusive explanations are the only way out of the dense forest of logic and morality that has him hemmed in on all sides.
To be a victim is untenable because no one would believe him. To have done everything of his own free will strips him of the moral high ground he's so desperately seeking to gain in the eyes of the cycling public.
Vaughters plays his readers for fools, and his interviewer for a buffoon, by talking about what a difference doping can make. Here, in the NYT:
How much does that last 2 percent really matter? In elite athletics, 2 percent of time or power or strength is an eternity.
Then, a few days later, he patronizingly lectures his audience that the true evil of blood vector doping is that it gives certain users massive advantages that are far more than marginal:
"He [Vaughters] goes on to explain that the largest gains in oxygen transport occur in the lower hematocrit ranges—a 50 percent increase in RBC count is not a linear 50 percent increase in oxygen transport capability. The rider with the lower hematocrit is actually extremely efficient at scavenging oxygen from what little hemoglobin that he has, comparatively. So when you boost his red-cell count, he goes a lot faster."
Vaughters's point for Bicycling is not that dopers dope for an extra two percent, but that they do it for potentially massive gains depending on their physiology. Which is it? Two percent? Or the logarithmic increase depending on your body's natural capacity for scouring oxygen?
Does it even matter?
Not really
In the context of pushing for cleaner pro competitions, we can and should excuse this mumbo-jumbo that's easier for Vaughters to say than, "I'm a lying douchey cheat, thanks for all the money." But in the context of fairness, he shouldn't get off so easily.
Or, since he has, maybe we should take a minute and deflate for a minute now that Judge Sparks has sent the Armstrong legal team packing. If Lance gets hung out to dry, and Vaughters is deified as the admitted madman running the asylum, was justice done?
Are we good with calling one douchey cheat a douchey cheat, and calling another douchey cheat a role model and hero?
Doesn't that stick in your throat?
Just a little?
Sure does in mine.
§ 19 Responses to That funny taste in my mouth
I believe there are shades of grey.
That said, cycling is a sport where you're supposed to kick in their teeth and then raise your arms as you cross the line. Show no mercy. That's why when someone says they doped "just to keep up" and ends up breaking records while soloing a mountaintop finishes, it just doesn't resonate with me. So tell me that you doped so you could maintain your superiority complex, not that you did it to avoid being blown out the back. I do not accept the victim excuse.
Brother, you're making a big deal out of nothing. Yes, his two, statements "I am not a victim, it was my choice alone," and "there were lots of people and circumstances convincing me to do it" are mutually exclusive.
They are also completely normal, and a simple sign of a man attempting to take responsibility for what he did. Yes, there are endless reasons to dope, but Vaughters seems to feel like he should have been strong enough to resist. He is telling the details of what happened, and how it happened, but emphasizing that he doesn't blame anyone more than himself.
Everyone can say the same about a bad choice they made, going into their thought process at the time, and all the circumstances that, if had been different, would have changed the outcome, but the right thing for a man to do is take responsibility for his own choices.
Vaughters has now been a powerful force in anti-doping for years. He never made it to super celebrity and fabulous wealth through his cheating. I love the sport, and I don't think he should be removed from it.
I couldn't agree with you more on this tale of hypocrisy!


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Everything about a cruise provides incentive to take a cruise: fabulous destinations, comfortable accommodations, sumptuous dining and much more. Still, cruise lines are sweetening the pot for travelers by offering a variety of incentives that add even more value to a cruise vacation.
When Cruise Holidays recently asked its cruise experts which incentives are most attractive to their clients, onboard credits were the top choice. Essentially, onboard credits are "free money" to spend as you like on the ship. You can use the credits to pay for optional "extras" usually not included in the base price of a cruise, such as beverages, spa treatments, shore excursions or merchandise from onboard shops. Depending on the cruise line, ship and itinerary, onboard credits can range from $25 to thousands of dollars per stateroom. Your Cruise Holidays personal cruise expert can help you find out if you qualify for any onboard credit offers.
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Create an Account - Increase your productivity, customize your experience, and engage in information you care about.
A Christmas Holiday Concert will be presented by the Huntsville Public Library on Monday, December 21 from 10:30 a.m. to 12:00 p.m. in the Library's Community Room. Local musician Jan Cole will be performing on the keyboard and says she welcomes requests of holiday favorites. Whether you prefer to sing along or just sit back and listen, come prepared to enjoy yourself. Refreshments will be served.
Registration is not required for this free program. For more information, call Mary Kokot (936) 291-5471 or visit our website at www.myhuntsvillelibrary.com.