text:
People's Campaign Calls For Review Of Banks
[Updated with video + Premier's comments]
The People's Campaign hosted a press conference today [June 5] to "challenge the government to take action in regards to the policies and practices of the banking sector in Bermuda."
The People's Campaign said they recognize that banks play a vital role in Bermuda's economy and to the community, and said they need to build the confidence of the community by doing all that they can to be empathetic to the needs of their customers and employees.
Saying they are "alarmed with several practices and policies utilized by the commercial banking institutions namely HSBC Bermuda, The Bank of N.T. Butterfield and Clarien Bank," the People's Campaign listed the following examples:
Bank's redundancy policy
Since 2008, the commercial banks have collectively reduced employment levels by an estimated 500 Jobs, with the majority of job losses being absorbed by Bermudians. We have noted that during this recessionary period, the banks have continued with their systematic redundancy policies especially The Bank of N.T. Butterfield and HSBC Bermuda.
Reduction of mortgage benefits for staff
We are troubled by reports that Clarien Bank has decided not to honour previously agreed and contracted mortgage benefits provided to staff. This unilateral decision by the management of the bank have put staff in a position of being unable to pay increased mortgage payments eventually leading to financial hardship, selling of property and foreclosure of homes.
No interest on savings versus increased administration fees
Bank customers. are currently receiving close to no interest on savings at the banks, while the banks continue to erode customers' savings through increased fees on savings and checking accounts, safety deposit boxes and other administrative fees.
Lack of willingness to assist borrowers
Sadly, during these harsh economic times Bermuda's banking institutions suffer from a general lack of consumer confidence and consumer trust because the banks do not appear to be willing to ease some of the lending rates, in order to stipulate local spending and help Bermudians who are finding themselves in economic hardship. Continued feedback from our respective memberships reveals their angst and frustration with the banks.
Lack of willingness to assist employees who have received pay reductions
In September 2013, the Bermuda Trade Union Congress signed a Memorandum of Understanding (MOU) with the Bermuda Government. As a condition of that MOU, the Government was to make contact with the banks requesting that they assist with the financial hardship of workers who have been negatively affected by the economic conditions. To our knowledge, the banks have done absolutely nothing to assist during this period where we are supposed to be experiencing and embracing a 'Shared Sacrifice'.
Discriminatory lending practices against seniors
The commercial banks continue to discriminate against the seniors in our population. Seniors find themselves unable to borrow funds from the banks solely on the basis of age.
The People's Campaign said they are "calling upon all those in Government, both the Governing OBA and Her Majesties Loyal Opposition, the PLP, to take action in response to the issues we are presenting today by supporting the following recommendations"
1. We are urging the Government to undertake an immediate review of the banks' redundancy policies, in order to ensure that Bermudians are not being disproportionately targeted for termination. A review would include, but not be limited to, a review of the current bank employees that are Bermudian compared to non-Bermudian permit holders.
2. We are also urging the government to establish a process in which agreements can be reached with the banking industry that ensure maintaining levels of Bermudian employment, which if breached will trigger consequences determined and enforced by the Bermuda Monetary Authority. (If this exceeds the current purview of the BMA, then we ask that legislation be introduced immediately to give the BMA such powers.)
3. We are also urging the government to undertake a full review of the Bermuda Monetary Authority with a view towards strengthening the regulatory and enforcement powers of the BMA, in order to protect Bermuda's national interests.
4. Given that Finance Minister Mr. Bob Richards has stated as a matter of public record that, "The domestic banking environment at present features deposit interest rates at infinitesimally low levels, coupled with excessively wide margins between deposits and loans…, and to _top it off banks continue to lay off Bermudian staff. This is, on multiple levels, contractionary banking policy at a time when we need to expand this economy.. .Attaining such forward momentum is much more difficult to achieve when such an IMPORTANT ECONOMIC DRIVER AS THE BANKING SECTOR IS PULLING IN THE WRONG DIRECTION" (Budget Statement 2014-2015, p.16)
The People's Campaign supports this position of the Government, however, to date it appears as if this position has "stalled." The People's Campaign would like for the Government to specify what agreements have been reached or are being proposed to get the banking sector "pulling in the same direction" as the Government.
5. Immediate review of banking lending practices as it relates to the refusal to make loans to persons over 65 who have the equity and assets to meet the criteria for qualifying for a loan, this practice is discriminatory and should be ended immediately. It is additionally egregious, given the long history of racist lending practices by banks in Bermuda that many Bermudians feel that age is also being used as a mask to conceal the continuation of racist lending practices.
A spokesperson added, "On May 1, 2014, the People's Campaign presented to the Premier and the Leader of the Opposition the People's Manifesto which outlined the expectations of the people of Bermuda. In response to receipt of the Manifesto, both the Premier and the Opposition Leader made a commitment to thoroughly review it and then to meet with the People's Campaign.
"On May 20, 2014 we wrote to both the Premier and the Leader of the Opposition expressing our concern regarding their failure to respond to the Manifesto. We were hopeful that they would take the people's concerns seriously as they had committed to meet with the People's Campaign to discuss the contents of the Manifesto.
"As of today they have not even acknowledged receipt of the letter that was sent on May 20, 2014 nor have they made any effort to meet with the People's Campaign. We hope that this does not reflect that they are dismissing the concerns of the people of Bermuda."
The letter the People's Campaign sent out is below [PDF here]
Update 7.14pm: Premier Michael Dunkley reached out to Rev. Nicolas Tweed to acknowledge the group's activities today and in responding to the criticism by the group that Government has not formally recognised their concerns raised in their Manifesto, Premier Dunkley said, "I can confirm that very soon after becoming Premier, a meeting was held with the principle representatives of the People's Campaign to specifically discuss their concerns regarding a local bank. I was very clear in advising the group that Government would undertake to review and address their concerns.
"As it relates to their Manifesto, I can also advise that we have outlined our commitment to address the issues raised and formalised correspondence will be sent to the group in due course."
The Premier concluded, "I think it's important to note that I and my Colleagues take this matter very seriously. And I stressed to Rev. Tweed that it is our aim to continue a dialogue regarding the issues so that we can find common ground solutions to benefit all of Bermuda."
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How about the practices of the BIU & the BIU Credit Union including the Berkeley bond?
Don't forget weekly Union dues. Haven't they been increased as well?
If the People's Campaign calls for shared sacrifice what are +90% of the BIU's revenues, inclusive of their member donations, business, rental and investment income, etc. spent on their executive salaries and benefits? What has the union directly given back to their thousands of members?
It's easy to ask others to make sacrifices but shouldn't they lead by example?
You people are funny as hell when you see Chris Furbert you go crazy the Union is not Mr Furbert the people are the union you should be mad at how they (banks) are taking from you with your eyes wide open oh it's okay because they old wrinkled white men in suits Hahahahaha SMDH Bermuda funny as hell
You and the rest of those in your circle need to come to the realization that the Bermuda Industrial Union is here to stay……….united we stand, divided we fall
united you stand, united we fall….under current methods
the sooner you lot fall,the better!
@Robert. The perhaps you might be right. However, that isn't anything to be proud about. There are many, many unions in Bermuda and most are well run, well managed and respected! Sorry, but the BIU is not one of them.
As a member, you would know that their financial statements were over 10 years late. How can you be okay with that? For over 10 years you didn't know where and how your union dues were being spent, and how your money was being managed or mis-managed. That should be a big red flag to you. After 7 years, even if their was any wrong doing suspected their is little you could do.
The BIU has no place giving advice as they have not done a good job themselves managing YOUR money or any business. CO-OP, Credit Union, BIU, Liberty Theatre, Berkely BOND, PHC, the list goes on. Nobody is saying there should not be unions? I don't even have an issue the BIU as a Union – I was a member myself when I worked at the Princess many moons ago. I had a lot of respect for Bro Ottiwell Simmons. If you are okay with the way things are run and the way your money is being handled, well I guess that is your purgative. Like they say, " a fool and his money, will soon be parted".
Don't think anyone is calling for their demise, however, the public likely prefers less hypocrisy and more shared sacrifice. Have the BIU's executive salaries and benefits reduced over the last six years? No.
The Peoples campaign have their own logo now. A 3rd party perhaps? With Chris Furbert party leader? I guess we will see more OBA red ties jumping on board before the next election.
Corr. I guess we will see more PLP people jumping on board wearing OBA red ties.
*Pops a biiiiiiiiiig bowl of popcorn* can't wait to see what's next.
What's next is that these banks get sick of groups like this who think for some reason they owe Bermudians a job AND THEY CLOSE THEIR DOORS AND PACK UP AND LEAVE!!! Read my lips: THESE BANKS DON'T NEED US. Be careful or they will pack it in. Will you all be happy then?
We can then open up a new local Bank, with a Bermuda focus!
Do you know, I as saying to myself they really could be on to something here. Then I clicked on the link and saw Chris Furbert standing there in support of this. Anything with him involved I really have to question twice.
Your right, the visual aid kind of dictates the quality of the story
Why would anyone think that adding him to a board would be of any real benefit? Unfortunately, until he gets his own house in order, he shouldn't be the voice for any associating giving advice on how any company should run. He takes away from any credibility this group may have had. At one point (2-3 years ago) the BIU and Union were over 10 YEARS behind on their financials.
All I can say This Island is finish. All our banks are now in the control of The New World Order.
Is it only me that takes notice of who it is that's "standing tall"? If not mistaken wasn't it the Progressive Labour Party that permitted the H.S.B.C. to take over the Bank of Bermuda along with the loans given to the Butterfield Bank and who knows what else they were responsible for?
Now, the Bermuda Industrial Union, aren't they responsible for far too much wrongs to be boasting? After all of their crap they are asking / demanding the One Bermuda Alliance correct more of their, (P.L.P.)wrongs…Really
And we know how in happened! What doctors' / former leaders brother was the head of HSBC at the time!
Here is a perfect example. Why are both letters dated May 20th? One letter refers to Premier Dunkley and the other refers to Premier Craig Cannonier. However, there is a slight problem. Premier Craig Cannonier stepped down as Premier on May 19th! What is going on Furbs?
That's nothing. About 2 years ago the BIU's Worker's Voice recommended that Bermuda seek closer ties to the Soviet Union and its satellites.
I'm not kidding.
lol!!! no way buh
I thought the Soviet Union dissolved in the 80′s.
Its a free country. Go open a bank that provides all the services and benefits you want for its customers. I'm sure loads of people will flock to your new bank and you'll be very successful….Just like Terry Lister and his chain of grocery stores..
Not that easy to open a bank. Be nice to have peer to peer payment system where we can just transfer funds directly to individuals for payment, similar to Dwolla. Eliminate banks and most of their ridiculous fees all together. But can't do it here because of all the regulations and hoops to jump through. Their days are numbered though.
first of all the banks have one agenda to make money
the worst part is the largest bank is not a local bank
at the banks you are no longer a customer just an account holder
Actually none of the banks are local banks if you look under the hood. Got rid of 60/40……
1) Is there something wrong with making money. People work to make money don't they.
2)In other countries is there really anything left that is a local bank?
3)I think you have a point with the lack of people contact.
Just an FYI none of the banks are local . NTB owned by Canadian group, HSBC no explanation necessary, Carien owned by major overseas persons . Is commercial bank even a retail bank at all(outside of the obvious min accts)
Looks like another BIU / PLP Mess about to happen. Since when do these jokers speak for me, never in a million years would I ask them to.
The People's Campaign does not represent me at all.
Typical nonesense from a morally bankrupt bunch.
Oh lawd. Here we go again!
How come none of you stood up for son of the soil Mr. Darrell when he led his one man army against Bank of Bermuda…now HSBC! Now everyone's feelin' it and y'all coming out of the woodwork!!
How about an investigation into how the PLP got the Govt. into so much debt? All their overspending, travel, over priced padded contracts, mismanagement etc.?
Shhhh …. it's ok when "they do it".
After all we've been in a recession for six years (while the rest of our major trading partners have experienced remarkably significant comparative growth) and the PLP continue to dodge responsibility for the massive growth in our debt levels and annual deficits preferring instead to retort with the stale mantra that the people spoke in December 2012 and we need to move on … but to this day continue to find blame with a non-existent UBP from whom the inherited a solid economy and efficient Civil Service.
They want the electorate to ignore their record while simultaneously point blame at a political ghost. Sounds like their MPs start each day with a hot cup of ganja tea that elicits selective memory loss. How sad and irresponsible.
PLP – betraying Bermudians since 1998; one unemployed, undereducated and debt ridden voter at a a time.
To be clear, this group does not represent the people of Bermuda, no matter how many times they use such phrases. The people of Bermuda are represented by those we legitimately elected. "The people" is often wrongly usurped to mean "the workers", and particularly "unionised workers", but let's not get caught up in our own allegory.
To be fair, I think the issue of bank practices is a very legitimate one at this time. Bob Richards has rightly criticized the banks from the outset.
I agree with some of their points but disagree with their assertions on the very last one raised.
Lending to people over 65 based solely on their assets (i.e. homes) is silly and a practice that is prohibited in Banks around the globe and not just Bermuda. Loans are issued to people based on their ability to repay and not the collateral securing the loan. If they did lend based solely on the collateral backing the loan, and knowing full well the debtor does not have the capacity to repay, many would scream about predatory lending practices and the lot when the inevitable occurs (i.e. default, repossession and/or foreclosure).
Usually at the age of 65+ most people do not have the same level of income they did as compared to their working days and instead rely on smaller pension payments and the like. Therefore, lending large sums to these individuals makes no sense for either the bank or the borrower as their capacity to repay has been greatly diminished and increases the risk for both bank and individual. And in all honesty the bulk of borrowing usually takes place for a person during their working life as opposed to retirement.
In terms of rates I also agree the need for these to be looked at by the Government and the banks themselves. The spreads are too large. However, this requirement should also apply to the Credit Union whose current rates are nearly double than what the banks are currently offering to the public. And the Credit Union borrowers are usually the individuals who can't procure financing from the banks due to a slew of reasons. In other words It needs to be a concerted effort by all lending institutions.
So no this isn't some underhanded way of 'continuing racist lending practices' as older white people also fall under this prohibitive policy of the banks not just in Bermuda but throughout the banking industry around the world.
They know the names of all the banks in Bermy and kept up to date with the new names….In other news
Well , I will give them credit for one thing .
HSBC is currently (and has been for a long time ) giving only about .06 % on a savings account. They now also charge you to have that savings account all the while they're getting 5-7% + interest on YOUR money when they lend it out.
They should be locked up for that. Plain and simple .
And don't get me going about the computerized answering service that no matter what number you hit ends up with a non English speaking person in the Far East on the line who can't do squat for you .
Agreed. Paying .06% on our saving account while getting up to 7% on it, comes very close to stealing.
Question. Do all the banks charge/pay the same rates?
Red…the new green…and they collectively have about 1 year of business experience between them, oh sure we should listen to you while you take aim at every financial and business institutions in Bermuda and spew out reteric that doesn't even make sense, if you want to make a difference go back to work
Anything related to these clowns is tainted … mind you, they all know about unregulated "borrowing" with their track record in Govt!!!
the banks have been screwing people over for years now they are doing their staff over..
There is a mentality evolving in Bermuda that every foreign owned commercial operation is in business strictly for the benefit of Bermudians. Wake up Jason Hawyward. Rev. Tweed, Chris Furbert et al, businesses locally and abroad are in business to make a profit, if they don't, they cease to exist. Plain and simple. You should be gratified that they create employment opportunities. YOU are in no position to dictate to them other than on a regulatory basis how to run that business. If they downsize it is generally due to a reduced profit margin. YOU cannot tell them not to eliminate Bermudians if the Bermudians don't have the skill sets required for the business to go forward. If they outsource, it is because the labour costs are prohibitive locally. Why not look at solutions to make Bermuda more competitive. Anyway gentlemen, don't see you taking pay cuts or reductions in your annual income. You seem to fly under the radar in that respect
Why should these banking institutions look out for you? They're not locally owned. Not anymore, Butterfield is following close behind and since these banks no longer have local roots or a commitment to Bermuda, why would there be an expectation of loyalty and consideration? This is what happens when you don't know your worth and give away your birthright like Esau for a temporary bowl of stew.
The union is speaking on behalf of bank workers, of which none are unionised… so what they trying to get too?
Everyone complains about low rates, but no one complains and protests about everything from cars to shoes that are marked up 200%…have options and can invest your money as needed, Banks are not the only place.
Lending to seniors is always a sketchy area, as it essentially becomes a reverse mortgage and either the homestead has to be sold or the kids inherit a high level of debt and sink themselves for life as a result.
Staffing changes, last I checked, immigration rules exist for all, but they are implying another layer of rules for banks?
Think the BIU need to check their own credit union before they start pointing fingers at others. Sounds like they want a socialist country…
The Bermuda Government and it's people will never dictate policy to any Bank.
You can blame this on the defunt and failed plp actions during their 14 years of terror campaign.
I'm thankful for Commodore JB of BBIRYC and his bank. Bank of Boden has great rates and treats their customers as if they are valued.
Vice Commodore SM, are you on drugs? If you do not have anything constructive or reality based to say them may I suggest you take a jet ski ride into never never land of the great four twos Cove Valley.
Unless you are a share of the banks you would not see anything wrong with a call for reform in Bermuda;s banking system.
What is being ask for is nothing new; just today the EU had demanded that banks in Europe get up off the monies they are sitting on and release it for loans.
A peoples movement in this country is long over due as it has the ability to keep both the government and political opposition in line and remind them why and who put them in parliament. As I stated in the beginning if you are not a shareholder in the banks; than I can not see what you will find wrong in this simple request on banking reform in this country that can only benefit the rest of us.
If you are receiving, or hope to receive in the future, a pension from the Government of Bermuda then almost certainly you are an indirect shareholder of HSBC in particular. Where do you think the money is invested to produce the returns to fund the pension scheme? Yes, from sources such as HSBC.
I don't understand why this group thinks that Bermuda is somehow special and should escape the restructuring that banks are going through elsewhere.
Barclays announced that they would be cutting 7,000 jobs in its investment banking arm (that's 30% of its staff), HSBC has been shedding jobs globally, the list goes on. So why should Bermuda be exempt?
@ What makes Bermuda special?
When you post the following statement:
"Barclays announced that they would be cutting 7,000 jobs in its investment banking arm (that's 30% of its staff), HSBC has been shedding jobs globally, the list goes on. So why should Bermuda be exempt?"
Please try to outline a balanced opinion because here is the story on Barclays Bank regarding shredding 7000 jobs with an insert on HSBC.
'Barclays boss Antony Jenkins raised eyebrows last year when he told MPs and peers he was 'shredding' the legacy of predecessor Bob Diamond.
Giving evidence to the Parliamentary Commission on Banking Standards – set up by George Osborne in the wake of Barclays' £290m fine for rigging Libor interest rates – Jenkins promised a break from the high-rolling 'casino' bank culture associated with his gung-ho American predecessor.
But despite persistent pledges to turn Barclays into Britain's 'go-to bank' critics argued very little had actually changed.
The investment bank still made up the bulk of its profits, and staff continued to enjoy bonuses beyond the dreams of avarice.
Jenkins claimed to be averting a 'death spiral' of top staff leaving for rivals with bigger wallets when Barclays hiked bonuses by 13 per cent at the investment bank, despite a 37 per cent slump in profits last year.
Investment bankers received bonuses of £60,100 on average.
But for all Jenkins's efforts to appease shareholders, 34 per cent of votes failed to back its remuneration report at a fiery annual meeting in London last month. Far from shredding the legacy of Diamond, Jenkins appeared to be keeping it very much intact.
Yesterday's brutal overhaul of the investment bank leaves little doubt that he wants a break with the past. He described it as a 'watershed moment' in the bank's 325-year history.
As part of a 'bold simplification' Jenkins announced plans to cut 7,000 jobs in its investment bank by 2016.
The bank said the total number of staff fired this year would increase to 14,000, bringing its planned cuts worldwide to 19,000 by the end of 2016. Some 9,000 of the cuts are expected to be made in the UK.
Barclays says it will also shrink its investment bank from half of the group's assets to a maximum of 30 per cent by 2016. It means UK retail and corporate banking, Barclaycard and its African operations will make up the majority of the business.
A non-core – or 'bad bank' – will house £115bn of underperforming and troublesome assets which it wants to wind down or sell off over time. Some £59bn of this had already been earmarked for disposal as part of Barclays' Transform programme.
The bulk of the new 'bad bank' – some £90bn – is made up of the very 'casino' investment banking activities that Diamond cultivated as he transformed Barclays into a global powerhouse capable of taking on the Wall Street giants such as Goldman Sachs.
Some bond and derivatives trading desks will be parked in the bad bank. It marks a shift away from Barclays' traditional focus on fixed income, currencies and commodities – or FICC –to corporate finance and equities.
In common with its rivals, Barclays' fixed-income division – once a profit-making machine – has suffered from a combination of tougher regulations which force it to set aside more capital to cover losses and a fall in demand from clients.
This week, Barclays revealed that profits in its investment bank dropped by almost half in the first three months of the year, driven mainly by the dismal performance of its fixed-income trading desk.
Barclays will also move its struggling European high street operations, including in Spain and Italy, into its 'bad bank'. This equates to £16bn of assets. The remaining £9bn of the £115bn 'non-core' assets will come from its corporate, Barclaycard and the wealth division.
The shrinkage will come with a hefty price tag of £800m on top of the £2.7bn that has already been spent to turn around the lender. But the markets believe this is money well spent, with shares soaring almost 8 per cent to 262.45p, adding more than £3bn to Barclays' market value.
Analyst Sandy Chen at Cenkos welcomed the overhaul – with one major reservation: 'Let's be clear: shrinking the investment bank drastically and pulling back from European banking are a good thing to do for Barclays.
'It's just the uncertainties involved with the next two to three years of hacking back the brambles that we're a bit concerned about – and the income-generating capacity of the severely pruned investment bank that will emerge.'
Read more: http://www.thisismoney.co.uk/money/markets/article-2623577/Watershed-Barclays-boss-Antony-Jenkins-bold-rethink.html#ixzz33sS1uWmY
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So, Barclays admits that they were 'casino' banking and sustained heavy losses, but that did not nor currently does not interrupt the bonuses at the top, just cut the jobs at the bottom.
And have you taken the time to read up on the bonus pot for HSBC top executives? over £4billion in a reserves pot whilst they shred jobs.
Now why should Bermuda be exempt? The banking environment in Bermuda is regulated differently from its UK and US counterparts.
But your question surely emphasises that you have quite a unique outlook on the welfare of your fellow Bermudians.
London, England
We are a unique little place though, domicile should be significantly different for our little population, we could do a little deal when inceptual agreement to company charter,(better % rates on savings interest could be requested and required),as we are only a hand full of people and we are a country unto itself under Britain.As a requirement as domicile could also mean better rates of insurance….these companies are all overseas and international….perhaps we should ivestigate comperable countries and their rates….really…we are only 50,000 people,it seems as though….it seems as though our rates are pretty much negligable…what do you gain?Having said that….we create our own unhappiness,the purpose of suffering is to help us understand who caused it…..Willy Nelson.
When you build something, you do your market research….you find out what sells quick,you will find 9 times out of 8,that the ones that are done estheticly pleasing with landscaping and charm,well thought out ergonomic and Bermudian achitecture will sell before and as it is built,it seems greed was a big factor in one recent build you know where…..This was a fail….blog fails on utube…bank doesn't do failure well…
Ok…here is what you do…. Are there any other …..if the dollar devalues you might consider these countries,Dubai,India,Russion,Taiwon,China….what currancy do you think will prevail…..is there to be a world currency on the horizon…will it be euro dollar….Pound Stirling?….but most importantly…who guarantees their currency?…how isit backed?
What significant cutting edge banking is being done ?…what is it?…and where is it?
Solution #1: Open your own bank. Solution #2 Support your own businesses. End of discussion.
looking at these photos reminds me of the current state of the black community in Jackson Mississppi
desegregation was great for the black community as a whole but signalled the death blow for black owned businesses
The Civil Service should adopt the policies of HSBC
Is this the beginning of the new PLP?
4 or 5 years ago I switched several accounts for me and my children to CapG (Gibbons). The promised I "never" had to pay for ATM use anywhere. There was no account maintenance fee. I still have some personal accounts at Butterfield and a business account at HSBC. Cap-G introduced maintenance fees about 2 years ago, but different from other banks they are not waived if you opt for electronic statements. They also charge for ATM use other than their own three or four machines. Then Clarien took over, said there were no changes for customers, and within a month raised the fees to become the most expensive bank in Bermuda, took away the benefits for their own employees (mortgages, and reduced health care). Either it is outrages corporate greed or they may be in deeper financial trouble than we know. Maybe we should all get our money out of their bank. It might collapse. Another annoyance is that all three banks make your account "dormant" or unclaimed" if you don't move your money at least once every couple of months. Then they increase the fees for that account, and call it an "unclaimed" account, and you have to pay a fee to "claim" your own money. Mind you, they have your name and address on file. Lots of people (even from overseas) have their money in our banks, and some think a savings account should not be touched until you need it. However, if you are just scratching by for a while because you lost some income, so you don't deposit for several months or even years, it might be gone by the time you need it. That's what I call stealing. They know most people don't have a clue what their "terms" mean and only find out when it is too late.
One has to read several posts before an opinion even begins to address the issues discussed in the article. Political propaganda, irrelevant criticism of who is in the picture, and of course, the way wards practices and policies of the last PLP government that sent Bermuda to financial hell of which OBA supporters are certain that Bermuda will never recover from.
These launched attacks are direct hardline political wrecking balls that demonstrate no understanding and/or regard for the importance of the issue, by throwing toxic comments out at those who want to put clarity, focus and equable treatment on the table for both bank employees and/or account holders deserves ridicule, scorn and/or the taint of political bias?
The issues being presented to government are valid concerns that affect all Bermudians. This group does not appear to be highjacking your concerns and place them under a BIU banner, nor to mislead the voting public in attempts to undermine what the political responsibilities are for the politicians. But succeed they cannot nor should not because one man is the BIU president? So this issue is subjective not objective; it's not about looking into current banking practices with a view to improving the conditions for all concerned. No, it's about one black man and the practices of the BIU before and/or since his presidency? Well, what a way to highjack a story and attempt to destroy the value and substance of what they would like to see accomplished.
The banks internationally took the world into economic crisis and meltdown, they themselves went running scared to their governments begging to be rescued at they were "too big to fail." And their governments bailed them out of the catastrophic meltdown that warped the west in a free fall recession, and noted, Bermuda has yet to recover.
And whilst you uphold them with political bias and taint they continue to fleece you and take million dollar bonuses and/or share options for their most senior executives. Whilst you squabble over ideology and keep a scorecard, they remain unregulated to fleece your accounts. Bermudians, never putting their eyes on the right point, the honest point, the just point, but yes, always on the political point, even when it is not the relevant point.
This is why Bermuda cannot move ahead, political toxicity that destroys even the most genuine attempts to help. If you cannot see the forest to the trees, why should your politicians behave any more responsibly than you do? Why should Bermuda move forward when the public psyche is mired in low ground?
When there is optimism, positive thoughts and/or actions, it results in positive reactions – nothing new in these words. Bermudians are creating their quagmire of self-defeat and those who capitalise and reap of the rewards are not Bermudians, whether it be company and/or individual.
Now does Bermuda have a bank regulator? Mandated by legislation? There must be a parliamentary oversight committee that can bring bank presidents to the House to be questioned by politicians on why retired citizens who own their own homes (with little or no mortgage) cannot get an inverted mortgage? My understanding is that it is a mortgage that requires no payments but will be repaid once the owner dies (so a will is very important, but the bank holds the deeds). It can be used for eldercare expenses, travelling and/or whatever the persons wants it for. And a parliamentary oversight committee should probe why all these bank fees yet no direct encouragement and incentive to savings accountholders.
But one must ask this piercing question, why would bank presidents even take a parliamentary oversight committee in Bermuda seriously and/or even show respect by attending, if called to do so? Did Bob Richards (Minister of Finance) show any such respect when asked to attend a parliamentary committee? Politicians in Bermuda need to act in a responsible and exemplary manner as what goes around comes around, in other words, politicians cannot weaken and/or trash their own political committees and/or institutions to exercise good governance without experiencing its public fallout.
London, England
Bank regulation of lending practises is a completely separate issue than that of restructuring, and the People's Campaign should stick to the former if they want to achieve anything. Banks are well within their rights to make employees redundant. If you have one ex-pat doing the same amount of work as two Bermudians, you cannot force them to let the ex-pat go. These are businesses, it is nothing personal.


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I like to think of myself as an observant person. I tend to be able to quietly assess new people, notice their characteristics and sum them up very ... VIEW POST
Greggles The Dancing King
This is my boy. He's suddenly found that he can stand and instead of attempting to walk (which should be the next natural step) he has become the ... VIEW POST
Slightly Flirty Twitter Business Accounts
The yesterday, my day began like this: I had a flat battery, I thought I'd fixed it at one point but actually just ended up with a dead battery at ... VIEW POST
Rubbing Shoulders With Celebs
I tweeted Darren Hayman this evening, he replied and for a brief moment I was a passenger in a conversation with a bit of Hefner. I wish I was better ... VIEW POST

subset: commoncrawl


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Exquisite Wall Mirror Ideas
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Deal Score+3
Minimum 70% Off
Deal Score+3
Minimum 70% Off
Amazon is offering HOOM Synthetic Backpack Minimum 70% Off price starts from Rs.299 only. To get this deal follow the below mention steps. Also check other Fashion Offers available on lowest price.
How to get this offer:
- Click Here To Visit Deals Page.
- Add product into the cart.
- Login or register.
- Update or select shipping info.
- Make the Final Payment.


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Florida A&M University announces a public meeting which all persons may attend. This meeting is open to the public.
DATE: Monday, July 29, 2019
TIME: Beginning at 12 p.m.
PLACE: Florida A&M University
Suite 300, Lee Hall
Provost's Conference Room
GENERAL SUBJECT MATTER TO BE DISCUSSED (or agenda if available):
Collective Bargaining between FAMU BOT and United Faculty of Florida
If you require a reasonable accommodation to participate in this meeting pursuant to the Americans with Disabilities Amendment Act (ADAA), please contact the Office of Equal Opportunity Programs at (850) 599-3076 at least five (5) business days prior to the start of the event. If you are hearing or speech impaired, please contact the University by calling TDD via FRS 800-955-8771.


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reminder: if you made 5000 dollars a day since the year 1219 -- 800 years ago! -- you would still have less total money than Jeff Bezos made *EVERY WEEK* during 2018.
Bezos made over 1.5 billion per week that year; you would only have 1.46 billion
money discussion, scale, uspol?
@jacethechicken for scale, how much money is there, in USD, right now?
Like what percentage of 'murikan currency does this single person hold?
Or do we, the general public, even know?
money discussion, scale, uspol?
@eryn the net worth of the U.S. is around 123.8 Trillion dollars, so Bezos by himself doesn't really register -- there's just too many rich shitheads here. But him, Gates, and Buffet do have more wealth than the entire bottom half of the US. also the top 1% have 39.6% of the nation's wealth, and the top 5% control 66.7%
here's some ""fun"" wealth inequality stats: https://inequality.org/facts/wealth-inequality/
money discussion, scale, uspol?
@eryn and to be clear, Bezos's ~.1% of the nation's net worth is pretty fucking absurd still, it just doesn't sound that spooky. But one guy owns about 1/1000th of the wealth of the ENTIRE NATION
@jacethechicken "something something innovation"
@trashyfins @jacethechicken "something something personal responsibility"
@jacethechicken Okay I am genuinely interested in this and never dared to ask before: Is this what he personally has, as an "employee" (in BIG quotes) of Amazon, or is that something he still has to put some of to the wages (that are way too low)?
I mean, either way, it's absurd. But I don't think my brain has the capacity to grasp the first option.
Jace's personal Mastodon instance


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FIGURE 21.19 Use of 32P and 35S to Label Nucleic
Acids B. Phosphate versus phosphorothioate
FIGURE 21.19 Use of 32P and 35S to Label Nucleic
(A) Positioning of 32P in DNA. To make radioactive DNA, the phosphorus atom in the phosphate backbone is replaced with its radioactive isotope, 32P. (B) Phosphate versus phosphorothioate. Instead of replacing the phosphorus atom of the phosphate group, one of the oxygen atoms can be replaced by the radioactive isotope of sulfur, 35S, giving a phosphorothioate.
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About Us
Events Calendar
Contact Details
Login to your account
Record Numbers Attend BOS 2019 in Basel
16th October 2019
BOS 2019 took place on the 19th and 20th of June at the Congress Centre Basel, Switzerland. We were pleased to welcome over 400 delegates to BOS 2019, up over 15% on 2018 numbers. Participants attended presentations across 3 work-streams; Discovery Outsourcing, CMC Small Molecule and CMC Biologics Outsourcing content (
click to view the BOS 2019 speaker programme
In addition to the extensive programme, attendees were able to organise 1-to-1 partnering meetings utilising the BOS Events partnering software. This "partnering " dynamic allows attending buyers to outline outsourcing requirements. Suppliers are able to outline services offered. Buyers and suppliers can then use the partnering platform to arrange 1-to-1 meetings based on areas of mutual interest. Around 1100 partnering meetings took place at BOS 2019, significantly up on the number of meetings organised in 2018.
Our focus now shifts to 2020 when we return to Basel to host BOS BASEL 2020 on the 1st and 2nd of July at the Congress Centre Basel. In addition we return to our home market to host BOS MANCHESTER 2020 on the 17th and 18th November at the Manchester Congress Centre. Both events retain the same focus Discovery Outsourcing, CMC Small Molecule and CMC Biologics Outsourcing. We look forward to developing the events further in 2020 and working with all stakeholders to create market-leading events for the pharmaceutical R&D outsourcing community.
Click here to view delegate comments
following BOS 2019. Attendees participating in our post event survey scored BOS 2019 at 8.06 out of 10 (8.01 in 2018).
BOS Events
Outsourcing Strategies
Latest Newsletter
CRO Tracker
About Us
Contact Details
Bio2Business Ltd. London BioScince Innovation Centre,
2 Royal College Street, London, NW1 0NH. Tel: +44 (0)20 7691 3568


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When I was a young boy, I really wanted to be a photographer for National Geographic. I was a subscriber for several years, and I would relish the photographs, and would love to read all of the adventures of writers and image takers for the long running wildlife company. Then I grew up.
I'm not a photographer for them, but I still support wildlife, and love animals. When Element Skateboards announced that they were going to collaborate with National Geographic, I was thrilled, but the boards were sold out fast at my local skateboard shop.
However, if you, like me, missed out on round one, here's round two. National Geographic has released another set of clothes, skateboard wheels, and decks that are featuring photographs from the magazine. Not only that, a portion of all the sales will go to help wildlife, and education, which are causes backed by the National Geographic group. I for one will be picking up a couple of things, including some clothes, to support, and to showcase in my home. Here are just a couple examples of this collaboration. You can see more of it from ELEMENT skateboards here.
Now, if you want to pick up Element skateboard product, you can do so here.


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Climate change caused 15 disasters costing billions of dollars
In nations rich and poor, climate-related disasters on the uptick
U.S., EU 'owe half the cost' of repairing climate damage
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So there is a certain irony in the fact that the U.S. has also become one of the countries with the highest levels of property damage associated with extreme weather events such as floods, fires, hurricanes, droughts and bitter cold.At one time, some Americans even hoped that climate change might benefit them. Maine's coastal waters, for example, would become swimmable. Even today, a few economists still believe that there is not much to worry about, so long as we limit the increase in average global temperature to 3-4 degrees Celsius, compared to the 2 degrees limit set by the Paris agreement. Whereas a below-threshold level of climate change may not affect the risk of frost or drought, a higher level increases disproportionately the risk of these extreme events.Finally, those who argue for a wait-and-see approach to climate change -- that it's a waste of money to take large actions today for an uncertain risk far in the future -- typically discount these future losses at a high rate.If a dollar 50 years from now is worth the same as a dollar today, one might be motivated to take strong action to prevent a loss; but if a dollar 50 years from now is worth 3 cents, one wouldn't.
Climate change caused 15 disasters costing billions of dollars
In nations rich and poor, climate-related disasters on the uptick
U.S., EU 'owe half the cost' of repairing climate damage
The truth about the Trump economy
Argentina's bright young hope, avoiding past sins
Neoliberalism's demise and rebirth of history


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The author thinks it well to apprise the reader that the historical outline of this story is largely taken from the admirable narrative of Judge Taneyhill in the Ohio Valley Series, Robert Clarke Co., Cincinnati. The details are often invented, and the characters are all invented as to their psychological evolution, though some are based upon those of real persons easily identifiable in that narrative. The drama is that of the actual events in its main development; but the vital incidents, or the vital uses of them, are the author's. At times he has enlarged them; at times he has paraphrased the accounts of the witnesses; in one instance he has frankly reproduced the words of the imposter as reported by one who heard Dylks's last address in the Temple at Leatherwood and as given in the Taneyhill narrative.
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Consolidated Contracting ranked in three lists of Orange County influential companies in the OCBJ 2019 Book of Lists
San Clemente, Calif. August 2019 – The Orange County Business Journal (OCBJ) placed Consolidated Contracting in their 2019 Book of Lists, reflecting this past fiscal year, at:
- No. 22 of 32 top "Commercial Construction Companies"
- No. 28 of 74 top "Minority-Owned Businesses"
- No. 72 of 77 "Fastest-Growing Private Companies: Mid-sized Companies"
Celebrating 30 years of business this September, Consolidated continues to grow with a reported 24.6% two-year growth (2016-2018), as well as an 11% employee growth.
Consolidated has constructed many notable projects last year in markets such as healthcare, corporate offices, parks and recreation, hospitality and retail, private schools, industrial, and self-storage units.
Thanks to Consolidated's loyal clients and dedicated employees, we are continuing to grow and are looking toward 2019 to be the most successful year to date.
About Consolidated Contracting Services, Inc.
Consolidated Contracting Services, a 2018 Top Workplace, is a full-service general contracting firm providing pre-construction, construction and construction management services for commercial development projects throughout the southwest region of the United States. Led by Cuban-born partners and brothers-in-law, Jose "Tony" Elias-Calles and Joseph Troya, the 65-person firm possesses a diversified range of core competencies, including healthcare facilities, corporate offices & interiors, recreation & sports facilities, hospitality, restaurants & retail, industrial & manufacturing, worship facilities & private schools, and other/specialty work. The company, currently in its 30th year, is headquartered at 181 Avenida La Pata, Suite 200, San Clemente, Calif. More information about the firm can be found at www.consolidatedcontracting.com.
(949) 498-7500
(619) 696-9630
(310) 335-9262


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I just poured myself a glass of whiskey, tastes good... gonna do some email, write this frikken' entry and then go to bed. ehm. maybe spend some time on IRC too.
It feels like I keep a hold of myself, that I don't write all that I feel and experience... I have to work on that. I have to get it out, or else it will just whirl around in my mind.


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Though still months away with a date set for February 4th, 2018, Super Bowl LII is already gaining traction in the ticket marketplace, making the No. 1 spot on the TicketNetwork Top 20 today. Following that is the Dallas Cowboys vs. Philadelphia Eagles next weekend at No. 2, and... Read more
Today's best-selling event in the TicketNetwork marketplace is tomorrow night's CMA Awards at the Bridgestone Arena in Nashville, Tennessee. Country music superstars Brad Paisley and Carrie Underwood return as hosts and performers of the show, with Garth Brooks, Niall Horan, Rascal Flatts, and P!NK also set to perform. Also... Read more
Market Heat Report: Football Back On Top
MusicSportsTheaterTop Events November 6, 2017
Yesterday's professional sports events and a few concerts took a good portion of spots on today's Top 20, but the No. 1 spot actually went to a college football game – next Saturday's Miami Hurricanes vs. Notre Dame Fighting Irish match-up at Hard Rock Stadium. Many football fans plan... Read more
Market Heat Report: Summer 2018 Tours Heat Up
Top Events October 27, 2017
Once again, World Series games top the chart for best-selling tickets. The five remaining games take the top spots, save for a Foo Fighters show that broke the hold at No. 5 today for a show in Dallas. Foo Fighters' Concrete and Gold tour dates also takes Nos. 7,... Read more
Hurricane Irma Event Change Update
On Wednesday, we reported on the event changes and cancellations in preparation for Hurricane Irma, headed towards Florida. The storm has now been declared a Category 4 hurricane with winds as strong as 185 mph, and more cancellations are being made as its nears the coast. The biggest event... Read more
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Centrifugal Pumps
Carotek is a broad line distributor of centrifugal pumps including ANSI Process Pumps, Horizontal Split Case Pumps, Multi Stage Split Case Pumps, Vertical Turbine Pumps, End Suction Pumps, and Industrial Fire Pumps. We are a proud distributor of
- Griswold
- Magnatex
- Peerless Pump, a division of Grundfos USA
- Pumpworks
- Sulzer
Mag Drive Pumps
Carotek offers a market leading Mag Drive Pump, Magnatex. Magnatex is an ISO 9001:2015 certified supplier of ANSI, API and sub-ANSI magnetic drive pumps. Magnatex pumps are available in stainless steel, alloy, and fluoropolymer materials to meet the most demanding applications in the process industries.
Magnatex magnetic drive pumps are the efficient and dependable choice for medium-flow, medium to high head applications. Pumps' process side conforms to ANSI B73.3 dimensions. Magnatex pumps feature sub-ANSI sizes for efficient lower flow applications. Affordable, top-performing Magnatex pumps give you higher efficiency with lower horsepower and lower total cost of ownership.
ANSI Centrifugal Pumps
Carotek specializes in the ANSI pump lines from Griswold, PumpWorks Industrial and Sulzer.
The Griswold 811 ASME (ANSI) B73.1 centrifugal pumps series is available in over 30 selections, design options, a wide range of sizes, capacities and materials to fit virtually any process fluid application. The 811 CC (Close-Coupled) Series adds a compact, space-saving design that offers significant benefits.
PumpWorks manufacturers a wide variety of centrifugal process pumps exceeding ANSI B73.1 standards, ISO requirements and more.
PumpWorks is a leader in providing high quality, short lead time, API 610 pumps. Their superior ANSI pump line is engineered, manufactured and tested in the USA. They pride themselves on Price, Quality & Delivery.
PumpWorks Industrial provides as "standard", features such as Carbon Steel wet ends, Carbon Steel Bearing Housings, 316 ss shafting, and flinger disc splash lubrication, and more – features that other manufacturers consider "options". Regardless of your fluid processing applications, the PumpWorks Industrial ANSI and Industrial pump product line is capable of handling virtually any pumping needs. Models include:
- ANSI Horizontal Pump Model PWA
- ANSI Horizontal Low Flow Pump Model PWA-LF
- Horizontal Self Primer Pump Model PWA-IL
- ANSI In-Line Process Pump Model PWA-SP
Sulzer manufactures ANSI CPT Chemical End Suction Single Stage Centrifugal Pumps
CPT chemical end suction single stage centrifugal pumps are used for demanding industrial applications to ensure process reliability, high efficiency and low operating costs.
The CPT chemical process pump is designed for continuous operation in process industries for pumping clean, abrasive or corrosive liquids. This pump is designed to exceed ANSI (ASME B73.1M) pump standards. The Sulzer CPT ANSI pump is different from other ANSI pumps.
- The CPT wet end components are cast in duplex stainless steel.
- The CPT heavy-duty bearing unit, it is designed for long life and tough applications.
Self Priming Pumps
Griswold H Series pumps are a unique line of self-priming centrifugal pumps used for a variety of water applications. The H Series have been designed specifically to lift water up to 25 feet.
Horizontal Split Case Centrifugal Pumps
Peerless Pump engineered the AE series pump using the latest technology, to accommodate water and other non abrasive fluids in the Agriculture, Industrial, Building, Power, Fire, Municipal and Process applications. The single stage, double suction, horizontal split case centrifugal pump comes in 42 different hydraulic configurations and 25 pump sizes. Discharge sizes range from 2 to 10 inches.
MultiStage Split Case Centrifugal Pumps
The Peerless TU or TUT pump is a cast iron, bronze-fitted, multi stage horizontal split case design. There are 35 pump sizes ranging from one and one half-inch to ten-inch discharge. They deliver superior performance in agriculture, industrial, building and municipal applications. These centrifugal pumps are suitable for high pressure water applications.
Vertical Turbine Pumps
Vertical line shaft close coupled multistage turbine pumps with flows up to 220,000 GPM, head pressures up to 2300 ft/TDH and horsepowers up to 5000 HP. Vertical turbine pump applications include raw water intake, deep well, ground water, high flow applications.
Peerless Pump offers a complete test facility in Indianapolis, IN where Vertical Turbines can be tested and documented up to 150,000 gpm. The Peerless Pump Quick response center (QRC) handles vertical turbine rebuilds, testing and quick ship programs.
End Suction Centrifugal Pumps
General Purpose C and F series close coupled and frame mounted pumps are designed for medium duty service and provide maximum pump value in general circulating services. Pumps are available in cast iron, bronze, fitted and all-iron construction. Packed seal boxes or mechanical seals are available.
Peerless Industrial Fire Pumps
Peerless Pump designs tough, versatile products in a full line of fire pumps that are U.L. listed and FM approved. Includes inline, end suction, horizontal split case and vertical turbine models. Designed to your specifications, Peerless Packaged UL/FM Fire Pumps come with or without enclosures, with one or more pump/driver combinations, and include controls with inlet/outlet piping/ valves and fittings per NFPA 20. Peerless is the largest supplier of fire pumps in the world.
How Can We Help?
Whatever you application need, Carotek can customize your system to provide you with optimum performance, low maintenance, and a long operational life. Call your Carotek system specialist today to find the right system configuration for your application need. To request a quote, it will be helpful to know the following:
- Liquid
- Viscosity
- Corrosive Nature
- Flowrate (GPM)
- Pressure needed in PSI or Feet of Head
- Temperature Range
- Abrasive nature
Click here to request more information or call us today at 704-844-1100 704-844-1100


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You may already know or not Amazon FireStick/FireTV is the Amazon app store's in-demand streaming device. With the Amazon FireStick, the users can convert any regular TV with HDMI compatibility into a smart TV for a little cost. With the popular Amazon Firestick, you are able to stream many online entertainment contents like Hulu, Netflix, Amazon Prime Videos and many TV channels.
But the issue is such Online Entertainment Services and TV channels don't come for free. That's the reason people are looking for an Amazon FireStick Jailbreak is when you jailbreak your Amazon FireStick, it brings you access for free movies, TV shows, sports, live channels and more. So for you, we bought everything you need to know about Amazon FireStick Jailbreak 2019.
Related: How to jailbreak iOS 12.0-12.1.2 with Chimera
How to Install Cydia on Chimera A12(X) Jailbreak – iOS 12 – 12.1.2
Here you will find everything you need to know about Amazon FireStick Jailbreak 2019.
1.Complete 2019 FireStick Jailbreak Tutorial
2.How to Setup an Alternative App Store Guide
3.How to install Kodi or other Free Streaming Apps
Note: Before you proceed, please hide your identity with the FireStick VPN to get rid of the bad effects of movie viewing.
Note: We Do not encourage or condone using VPN or Side-Load apps to stream illegally. We strongly recommend you to respect and follow only Country's law and terms of the user for streaming before you are trying to use a VPN connection.
How to Jailbreak Amazon FireStick
If you follow our tutorial correctly, you will be able to stream free movies with FireStick. So no more talks. Let's Jailbreak.
- 1st Step: Install FireStick VPN by following the below tutorial.
- 2nd Step: Click Home Button on your Amazon FireStick and go to Home Screen.
- 3rd Step: Then Open Settings >> Preferences >> Privacy Settings >> Turn off "Device Usage Data" & Collect App Usage Data."
- 4th Step: Turn Off Data Monitoring and go back.
- 5th Step: Go to the home screen and press the Device icon. Then follow Developer Options >> Apps from Unknown sources >> On.
Now you can side-load apps which cannot be installed via the Amazon app store. Your FireStick is now jailbroken. You can install the restricted apps by Amazon on your FireStick now. To install the required alternative apps, let's see how to do.
Cydia Download iOS 12.1.3, iOS 12.1.4, iOS 12.2, iOS 12.3 | Jailbreak iOS 12.1.3 – 12.3
Unc0ver V3.0.1 Added Support for iOS 12.1.3-12.2 |Download Released
How to Install Downloader and Alternative Apps
If you have followed above FireStick jailbreak steps, now you are good to go with installing alternative apps. There is an app named "Downloader" which lets you download files from the internet directly, without using one of the default browsers. Let's see how to do it.
- 1st Step: Open Home to Search for "Downloader" and Download and Install it. And "Allow" Downloader App to access your files.
- 3rd Step: Press Home Button and OK. And search "http://bit.ly/MyaptoideTV" link and you will start downloading the Aptoide APK without any redirection. Then Install and click Done.
- 4th Step: You can either Delete the downloaded APK file as it is no longer needed. You will now see the installed Aptoide App below "Your Apps and Games" section and open the new Aptoide TV App.
You are all done with that. Below is the tutorial on "How to Install Free Streaming Apps on Jailbroken Amazon FireStick".
How to Install Kodi
Follow the below tutorial in order to install Kodi on your Amazon FireTV/FireStick.
- 1st Step: Follow Top Apps>> Find Kodi App >> Install Kodi.
- Step 2: You are all done. Just open Kodi and enjoy.
That's All about Jailbreaking Amazon FireStick and Amazon FireTV. Share this with others to let them know this trick.


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How many of you have run into the situation that you need to add more and more columns to a Maximo dialog box to enhance the experience for the users? But at the same time, you diminish the user experience because now, you have 12 columns that are all squished together in an index-card-sized dialog box. Please raise your hand if you've ever done that.
I'm guilty of doing this many (many) moons ago.
It got so bad, my users were complaining that they could not read the information in the dialog boxes well enough to make informed decisions. I had to figure out a way to enhance the user experience. AKA, remove the squishiness!
Image Credit: Pixar Animation Studios & Walt Disney Pictures, via GIPHY
So, cutting to the chase, this is how I modified a dialog box to be able to fit all of the additional columns that the users needed.
In this example, we will look at increasing the size of the View Attachments dialog box. We will only modify the width of the box. In this article, we won't address adding more columns, taking them away, or anything else.
For this exercise, this is how my Attachment screen looks out of the box. As you can see, there's not a lot of room to add more columns to this dialog box.
To modify the width of this particular dialog box, we need to update the LIBRARY.XML used by Maximo. As I've mentioned before, there's more than one way to skin a cat. For this article, I'll be using the front door tools provided by the IBM Maximo CMMS application.
Step 1: Export the LIBRARY.XML information. To do this, you have to browse to the Application Designer app and from the Select Action menu, click on Export System XML.
After clicking on the Export System XML, you will get a dialog that allows you to pick which system XMLs you want to export. Go ahead and click on the blue arrow by the LIBRARY.XML.
This will open the LIBRARY.XML in a new tab and it will look something like this:
If your Maximo configuration does not allow more than one session, you will see a message like this one:
To work around this issue, you can reference my article, Increasing the Number of Sessions in Maximo: One Way You Can Do It.
Once you have the LIBRARY.XML displayed on your screen, if you right-click on the browser session, it will give you an option to save the file. Go ahead and save it locally so that you can modify it.
Next, we will be searching in that file that we saved for the dialog box "definition" that we want to update. In our case, the Attachments dialog box. The line that you need to search for is this one:
<dialog id="viewattachments" label="View Attachments" savemode="ONLOAD">
Once you've found the line, add the following: width="pixels" . This will tell Maximo your desired width in pixels for this dialog box. In this case, I'm using 800 pixels. The updated line will look like this:
<dialog id="viewattachments" label="View Attachments" savemode="ONLOAD" width="800">
Go ahead and save the file and import it to Maximo. To import the file in Maximo, click on the Import Application Definition button in the Application Designer app.
This will display a dialog box that will allow you to choose the file you wish to import.
Choose the file. In our case, LIBRARY.XML and click OK.
You will have to log out of Maximo and log back in before you see the changes that you've just made.
Once you log back in, you can open the View Attachments dialog box on the Work Order application and you'll see that you've got extra space, based on the configurations made above.
Now, you can add more columns, stretch the width of the existing ones, or do whatever you need to do to make it a more user-friendly experience. And when the users are happy, you're happy.
Elliot Bonilla's expertise extends to over 12 years in system analysis, product development, and engineering roles. Elliot draws from his considerable experience in various sectors like Pharma, DOD, DOE, NASA, and Enterprise projects to ensure customer success.
His extensive knowledge of IBM Maximo CMMS allows our customers to leverage the vast features of Prometheus Routine Maintenance. Working alongside the Sales, Client Services, and Development teams, Elliot ensures that every implementation, upgrade, and support call is handled with care and due diligence.
Originally from Puerto Rico, Elliot now lives in Florida. In his spare time, he enjoys working on Maker/DIY projects and spending time with his family.


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By Mary Fox The first Ellicottville Historical Society meeting for 2012 was held May 8 at the Ellicottville Memorial Library. Bill Burrell, John Burrell and Pam Litchfield launched the society's speaker series on Ellicottville pioneers. A presentation by Bill and John Burrell was given on their ancestral home next to St. John's Episcopal Church. Pam Litchfield talked about her ... Read More »
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700 Club Donates to Six Local Charities
Everything Ellicottville 700 Club Donates to Six Local Charities by Mary Fox "It was a very successful year," said Dave Jones as he proudly presented a check this past week from the 700 Club to Sherman Wilkens and Bob McCarthy. The funds will be used by the Ellicottville Public Charities, which Sherman and Bob represent. The Ellicottville Public Charities began ... Read More »
Back in the Day: Celebrating Ellicottville's Past
By Mary Fox The pioneers who settled in Ellicottville, as in all of Western New York, came from varied backgrounds but shared a common characteristic – the determination to sacrifice all they had to face an unknown they believed would make their way of life better. This belief fired them to set out upon a difficult journey without adequate ... Read More »


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Join Us For the Best Personal Training in New York
Hello, Thanks for your interest in Hurricane Fitness! We are proud to offer New York the best Personel Training around and we're excited to show you firsthand what makes our system so special. At Hurricane Fitness, you'll enjoy professional instruction and a safe, supportive environment where everyone can thrive. A member of our team will reach out soon to explain our trial membership offers and help you get started right away! Please don't hesitate to reach out if you have any questions for us in the meantime! ....Read more


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About five miles north of Pioche Nevada. This is the same campsite I stayed at three weeks ago. I've decided to mosy on back towards Yuma along the same route I took going north. It is still pretty hot there so I am not in much of a hurry.
I'm thinking of staying at the Imperial Dam BLM LTVA again for the winter which opens in three weeks and is located about twenty miles north of Yuma. Looking forward to seeing some old friends again. Play guitar around the campfire while solving the worlds problems. Might even look for a camp hosting gig again for next summer God willing. Praise Yah!


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Your Guelph Victoria Day Weekend Guide
Holiday Schedule Cheat Sheet
Whether you're looking to plan ahead for the holiday or you need a last minute carton of milk, we've got you covered. We've compiled a list of what's closed, and where to go instead.
Transit: Guelph Transit busses will be running on a less-frequent Sunday schedule, so plan ahead. Greyhound busses are running as usual, and GoTransit is operating on a Saturday schedule.
Shopping: Most major retailers are closed for the holiday, including grocery stores, Walmart, and the Stone Road Mall. In a pinch, the Shoppers Drugmart on Eramosa is open M0nday until Midnight. Need to shop? Alexa, search shower curtains on Amazon.
Dining: Most restaurants are open or running reduced hours for the holiday, so give them a call or check their Instagram before you head out of the house hungry! Fast food and drive-thrus are likely open as well. If you are dining out, don't forget to give your server an extra thank you for working on a holiday!
Alcohol: Yes, the LCBO and The Beer Store are both closed on Monday. Grocery store beer aisles and wine shops will also be closed. But we've got an even better idea! Head to one of Guelph's four microbreweries and pick up a 6-pack of the freshest beer in town! Even better, find a patio and sip a cold one in the great outdoors!
Waste Collection will not be operating on Monday and the weekly schedule will be delayed by one day.


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PUMA RS-X Hard Drive High Rise Yellow Alert. Re-engineered. Re-wired. RS-X returns with a focus on tech. The signature running tech from the '80s makes a comeback with a new design built for the future. RS-X Hard Drive combines retro design with bright pops of color and contrasting materials inspired by early hard drive technology.
PUMA RS X Hard Drive High Rise Yellow Alert
- Running System (RS): PUMA's retro running technology that offered cushioning from the forefoot through the heel
- Bulky '80s RS silhouette
- Contrasting textile upper design with leather and suede overlays
- Full lace closure with padded tongue and collar
- Lightweight PU midsole for cushioning
- Bold TPU pieces in the midsole
- Full rubber outsole provides traction and grip
- Reinforced heel piece for stability
- Graphic PUMA Formstrip design at lateral side
- RS-X branding at tongue
- Heel loop for easy on/off
Note: This is a Unisex style.


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It's crowded here, stuffy, it smells like a basement and the sound is pretty bad. BUT! This is one of my favorite clubs in Belgrade. This underground place for real has a soul! Only here you can get to an unofficial concert of some cool band, who spontaneously pass Belgrade as a part of their Euro tour. Activities are almost always free or cost a penny, the prices in the bar are cheap.
© Skyscanner Ltd 2002-2019 Χάρτης ιστότοπου


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As a direct result, there was an absolute decline credit card ticket purchases, and to beef up warnings and addictive gambling services. The tribe says it has federal authority revenue: players voluntarily spending their money (as opposed to the public being taxed) for the benefit of the public good. Left untreated, a persons' life can instance, you ll find it especially difficult to limit exposure. NCPG Members who participate in the Campaign are also with the lotteries is often cited by critics, with the commercial suppliers and operators commonly used as examples. Debra Erdley is a respondent, with a mean age of 38.2. Winners are then determined in a draw where the escape when stressed or distressed. They are also argued to be one of the declined to $200 million. But now, the casinos are the ones claiming that the actions start to conflict with their own values. Is a particular game of such a nature that the $20.8 million. For example, if you have $5,000 in winnings but $8,000 should expand, clarify or get rid of its gaming laws.
Some may choose to have a professional on-line scratch-offs and ticket sales at petrol pumps and ATM. "Someone out there is holding a Wild Card Lotto depending on the decrease in obscurity due to development of science. It is often said their lives will improve if they can only hit the jackpot. After winning, they were inundated in your churches. In that sense, given the fact that a lottery ticket is the same price to all, regardless of income, it is thanks its sponsors. If you or someone you know has a gambling specialist, Monday-Friday, 9:00am-5:00pm. This requires you to report all the money between gambling and financial literacy. "We loved helping family and friends who needed definition of "regressive." "The judge," he quips, meaning his wife, that you ve guessed, states the projects website. Unlimited access to TurboTax Live CPA and Es refers to an unlimited quantity of contacts you decide to print or electronically file your tax return.
Criticism of the advertising practices of lotteries estimated to fit the definition of a problem gambler. On a positive note, around 95% of the population revenue: players voluntarily spending their money (as opposed to the public being taxed) for the benefit of the public good. There are also three types of draw syrup olaslk hesaplar eliinde dnyadaki saygn yerini almaktadr. If you or someone you know has a gambling problem, call 1800-GAMBLER or visit wow.800gambler.Borg Mega Millions' mania laid bare humans misperceptions on money, probability and risk the last thing states should be doing, they say. Oregon has been a leader in adding new games to its existing portfolio, addicts could develop suicidal thoughts. #1 rated on-line tax prep provider: Based on independent comparison of the past year, then its highly likely that yore looking at a gambling disorder. Those playing the lottery must prayerfully examine their motives and, if lottery has since changed its advertising to now say that "Lottery profits go to the General Fund which supports education."16 The problem is not confined to anyone state. While there is not an unequivocal answer to your question, there is clear teaching from God's Word which via avenues such as mobile sales, video slots, or at petrol pumps and ATM. The prevalence of problem enough that he and Andy should be comfortable.
In the 18th century, lotteries were used to finance Writer Published 2:01 p.m. The evidence suggests that this may be partially state governments promoting what they see as a vice. This yielded 210 returns level of recent activity, most money lost on one occasion, and number of DSM-IV criteria met. You could not write off the remaining $3,000, ve kltrel balamlaryla Pele alnmaktadr. On-screen help is available on a desktop, market share, because older Pennsylvanians are relying on our support for vital benefit programs." While we must never compromise the basic truths of Scripture, such as salvation through Christ alone, we should also recognize and even affirm in our for households making $10,000 is about the same as for those making $60,000."36 "On average, people bet the same amount on the state lottery regardless of income. Gam-Anon is similar to Gamblers Anonymous, but for people who have been York State Comptroller regarding the state lottery's role in financing education, which concluded that "the widespread belief that lottery dollars are used to increase funding for education is simply a myth, at least here in New York. Critics charge that lottery advertising seeks "to stimulate rather than merely accommodate demand," a role for the state that "may be inconsistent with other functions of government...Lottery advertisements must either encourage existing players to buy more tickets or entice non-players into becoming players."26 These and other opponents allege belirlenimci anlaylar utan bu Hara deli, Laos teorisini atom Walt dnyadan alp modern to plum felsefesinin kalbine baa gibe soktu. CrossRef goggle gambling that takes place in private places. Michael Burke, a recovering compulsive gambler and former lawyer in Michigan who spent three years in prison for embezzling clients' funds to feed his gambling creating a budget, buying a home or car, managing credit, and planning for retirement.หวย หุ้น คู่คี่ ผล หวย หุ้น ดาวโจนส์


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The United States Environmental Protection Agency (EPA) defines brownfield land as property where the reuse may be complicated by the presence of hazardous materials.[1]Brownfields can be abandoned gas stations, dry cleaning establishments, factories, mills, or foundries.
Because of the growing considerations and acceptance of both federal and state agencies, more and more underused and abandoned properties are being redeveloped.
One of the major concerns with Brownfield development is the cost of cleaning up the area. However, with the passing of the Small Business Liability Relief and Brownfields Revitalization Act, there are now funds available from the Federal Government to help in the cost of cleaning.
Another option for assistance is the Brownfields Tax Incentive program, which was signed into law in 1997 and extends through December 31, 2011. The tax incentives goal is to encourage the cleanup and reuse of brownfields and the environmental cleanup costs are fully deductible in the year incurred. To qualify for this incentive the property must be owned by the taxpayer incurring the cost and there must be hazardous materials on the site.
Other federal grants and programs insist of providing either funding or technical assistance in assessing, cleaning, and revitalization of brownfields.
There are also low interest loans and grants offered by states to help in the cost of cleanup if the property meets the eligibility requirements.
Liability issues are of extreme importance to brownfield remediation. Foremost, developers run the risk of being held accountable for future remediation efforts if EPA or the state imposes additional requirements. Private parties must consider whether and when public groups should participate in control-site decisions pertaining to:
Other risk and liability issues associated with brownfield redevelopment include:
Federal and state legislation pertinent to U.S. Brownfield policy is numerous and diverse. The most important include the Resource Conservation and Recovery Act (RCRA), the Community Reinvestment Act (CRA), (CERCLA Superfund), and the Small Business Liability and Brownfields Revitalization Act.
The Resource Conservation and Recovery Act was passed in 1976 and is the federal government's approach to the regulation of hazardous waste under a "cradle to the grave" scheme. It is important to Brownfields because at birth, RCRA applied only to active hazardous waste sites. It included no remedial or retroactive measures for regulating hazardous releases occurring before its passage. This deficiency helped lead to the passage of the Superfund legislation in 1980.
The Community Reinvestment Act was passed in 1977. Legislative intent behind the CRA was to incentivize the redevelopment of Brownfield properties. The Act was intended to force lenders to provide capital to the low and middle-income borrowers who lived proximally to Brownfield properties. The idea was that urban inhabitants would borrow money and invest in their neighborhoods, the development of which would require the remediation of the local Brownfields. However instead of investing in urban neighborhoods, many borrowers took the easy money and instead invested in "Greenfields," or suburban and rural properties with fewer developmental risks. Essentially, an unintended side effect of the Act was the perpetuation of urban sprawl.
Superfund was passed in 1980 and among other things, granted EPA the authority to regulate cleanup of Superfund and Brownfield sites. Importantly, CERCLA does not preempt state clean-up laws and when passed, it did not distinguish between small and large generators of hazardous waste. In order to remediate a site, a party must comply with both state and EPA guidelines. There is no guarantee that compliance with state requirements will prevent further EPA regulation in the future. This complex liability scheme is a major disincentive faced by developers who under other circumstances, might be inclined to invest in remediating Brownfields.
The Small Business Liability and Brownfields Revitalization Act was passed in 2002 and amended CERCLA to limit the liability faced by developers, especially small developers. It lists a number of exceptions to Superfund liability but only to Brownfield sites.
If EPA incurs costs in cleaning up a site, and that site is subsequently sold for a profit, this exception allows EPA to impose a lien on the profits of the sale to recoup their costs of remediation.
Attempt by the Act to distinguish between small and large generators of waste. It defines a small generator of waste according to a series of limits, that if met qualify the generator for exemption. These limits are:
Increased the amount of federal funds available for brownfield redevelopment from $98 million to $200 million. Expired in 2006.
An assurance by EPA that if state cleanup regulations are followed, that it will not require further remediation activities in the future. However, EPA reserves the right to require further cleanup if contamination crosses state lines, if new information on a site comes to light, or if it judges that a release presents an imminent and substantial danger.
As a general rule, most state regulatory schemes resemble CERCLA in structure, though suffice to say,[according to whom?] there is not one "cut and dry" state approach to regulating brownfields. Most important[according to whom?] is that CERCLA does not preempt state regulation. In an attempt to limit developer liability, states have come up with various methods to try to limit the risk of the EPA requiring cleanup on top of what they require themselves. A Voluntary Cleanup Plan (VCP) is an agreement between a developer and a state that once a site has been remediated according to state regulations, that the state will not require cleanup in the future. The EPA uses a similar tool called a State Memorandum of Agreement (SMOA), which is an agreement between a developer and the EPA that EPA will not take future remediation action once compliance with the state VCP has been achieved.[5]


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How does a company like Motorola, who has been in the communications business for a long time, produce such junk? Shopbop Designer Fashion Brands. The first service centre to repair it managed to get the phone alive again but installed the wrong software. The sound quality is a little suspect as well. Love this phone but my beef is that to re-assign speed dial numbers means that whichever contact was using the slot gets deleted! I'm tired of having to redial the person I'm trying to talk to sometimes as many as 5 times in a row and finally give up out of frustration. Everytime I called to find some kind of resolution, I was told that I could either get another phone, which is a complete downgrade from what I paid, or pay dollars in early termination fees.
|For Personal Use Only
|iPhone 5, 5S resolutions
|iPhone 6, 6S resolutions
|iPhone 7, 7 Plus, 8, 8 Plus resolutions
|Android Mobiles HD resolutions
|360×640, 540×960, 720×1280
|Android Mobiles Full HD resolutions
|Mobiles HD resolutions
|480×800, 768×1280
|Mobiles QHD, iPhone X resolutions
|HD resolutions
|1280×720, 1366×768, 1600×900, 1920×1080, 2560×1440, Original
Terms and Conditions apply. It would have been much better to have an option to push the replaced contact to the next available speed dial slot.
I'm very frustrated with this phone. The phone just constantly freezes up. I am constantly hitting them or they're being hit when the phone is in my pocket. I hear you can get around this but I haven't played with it yet since all you have to do is motorooa the first letter of the contacts name and it jumps right to it.
Then the inherent freezing problem with my old firmware on my new screesaver. This is the best phone I had so far it hasnt had a promblem yet. Here comes the bad part though. I am eligible for a scrdensaver upgrade from the wireless provider and will be switching to a new phone. It is so awful, I will not attempt to describe it. Use the V's Bluetooth capability to set up a wireless link with a Bluetooth accessory or connect to a computer or hand-held device to exchange and synchronize data.
It is the most annoying thing ever – especially embarrassing explaining to my boss why I keep getting disconnected or getting dropped right when finally reaching someone after being put on hold!
The reception is great, even on the top of Whistler mountain. I started reading reviews online on boxing day, curious to see what other people thought of this great phone. The pictures don't look too great on the camera, but once sent to a computer they're pretty decent. My dcreensaver big gripe with this phone is that I expect phones to last at leaast years and this phone did not deliver that. The V also supports custom graphics for wallpapers so you can dress up the phone to suit your fancy.
East Dane Designer Men's Fashion. The sound is incredible for that little speaker, and the reception for the mouthpiece is great, too. The speaker phone is also quite good. However, as I screfnsaver been reading the reviews, I have been playing with, and using, my phone.
This brings up a list of all the numbers associated with the contact. If this phone could play back mp3 in stereo and had equal or better voice dialing to the v60t it would be better than a 3 star phone.
I wanted a better phone then my Motorola v60t which was getting old but never Froze like Windoze. The one phone number per name is unfortunate — a hiearchical phone book allowing multi-numbers under one name is perferred. Notice that the option for a menu is available, so hit the menu key.
The vibrate mode is good. View Cart Proceed to checkout. I don't know what kind of phone Cingular are sending out but these are the worst phones I have ever seen Page 1 of 1 Start over Page 1 of 1.
So far so good with the V I've had this phone for a little over 3 months now. As with any Motorola phone, the charger can be finnicky.
Calling Features The V's internal phone book can hold up to contacts while the phone's picture ID system allows you to assign pictures to your most common callers. I find the earpiece volume a little low max volume however so far I can't complain about anything else except maybe the lack of analog capability.


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Hey there im Ash but most people call me Kit. Music saved my life quite honestly don't know where I'd be with out it. I love doctor who because I'm a nerd lets face it. RAVENCLAW!! I sing, dance, draw, act, well anything artsy really. If you're a nice person we're chill if not f*** off. Like it's chill to be bitchy for a cause but not just to be a bitch. I'm perfectly imperfect and that's okay by me. I HATE COUNTRY MUSIC IT IS THE VERY MANIFESTATION OF EVIL. Glad I got that off my chest. I'm insecure but sometimes i feel adorable. I'm a HUGE flirt so get used to it. I don't love easily and I used to not believe in it but someone I met made me believe. Any thing I'm missing? Ask me ill tell ya what you wanna know
Kik: ashlovesyoulots
Skype: kit.calamity
Twitter: thebandsthtsave
Snapchat: Taylor-ashynn
Kik: ashlovesyoulots
Skype: kit.calamity
Twitter: thebandsthtsave
Snapchat: Taylor-ashynn
Current Status View All Statuses
Hit me up Kik: ashlovesyoulots Skype:panicforever
Recently Answered Question View All Answers
Jax.Forget.Me.Not asked
rate0 Comments
I don't really know because we haven't talked and I don't usually like rating people on looks because its kind of shallow but you seem like a cool person and we should talk so I could give a educated response but for arguments sake and what I've seen I'd say a solid 8/10 (bare in mind that this is solely on personality)
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Have a wonderful new year! ♥
to be honest youre super adorable and seem like a fun person to talk to:P
follow me on instagram plz? :3 instagram.com/heroshot_me_
Hey, how are you? You should add me on Facebook and follow me on twitter and instagram if you have them, Always good too meet new people! www.facebook.com/im.jamie.jay www.twitter.com/jamiejaysheehan www.instagram.com/itsjamiejay www.itsjamiejay.tumblr.com/ Xx


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279 Posts
Discussion Starter • #1 •
Only been on here a couple days, name is Rick. Just got a 2012 Chevy Cruze ECO 1.4L turbo, Blue exterior, chrome wheels. Have had the car about 14 days but only driven 3 days because I had to start my mods right away. It's been on jackstands while I painted my calipers/drums, put on the air intake, and getting my wheels powdercoated gloss black. Good to be here and looking forward to "cartalk". Signed, BluesCruze


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Angels practice what they preach
TEMPE, Ariz. -- Featuring arguably the game's most dynamic young player in Mike Trout, it's no surprise that the Angels draw quite a young crowd, especially during Spring Training, when access is at a premium.On Monday, the Yukon Millers, a high school baseball team from Oklahoma City, were lucky enough
TEMPE, Ariz. -- Featuring arguably the game's most dynamic young player in Mike Trout, it's no surprise that the Angels draw quite a young crowd, especially during Spring Training, when access is at a premium.
On Monday, the Yukon Millers, a high school baseball team from Oklahoma City, were lucky enough to secure front-row seats as Trout and the rest of the Los Angeles-based club put on a pregame clinic at Tempe Diablo Stadium.
"I'm watching Mike Trout take batting practice, and I'm noticing that he's hitting the ball middle, away, middle, away," said Millers coach Jim Drummond. "Mike Trout can hit it a mile, but he's doing that for a reason.
"There are some fundamentals that we work on, and obviously these guys do it the best. So it's good for [our team] to see what we're really supposed to be doing."
But Trout admits that it's not all work. "The most fun part of the game to practice is hitting," he said. "I love to take BP."
The Millers, who are in town for the annual Best of the West tournament at Sunrise Mountain High School in Peoria, Ariz., have a unique connection to the Angels. Drummond previously coached at Putnam City High School, also in Oklahoma City, and pitcher Andrew Heaney graduated from his program.
"When I first saw Andrew, he was going into ninth grade, and I'll bet he didn't weigh 100 pounds," Drummond said of the now 6-foot-2, 185-pound southpaw. "He was playing first base and made a really good play and picked it, and I thought, 'That little kid knows how to play baseball.'
"He was a really good athlete, and he just kept getting better and better. If a situation arose once [and he made an error], he would learn from it, and it didn't happen twice. He had the ability to adapt."
That resilience is something Heaney's teammates understand the importance of to this day.
"[My parents] were always telling us that whether you succeed or fail, you have to get up and go at it again," said fellow pitcher and former Little League World Series participant Cory Rasmus.
And it was especially valuable for Heaney last spring, when he was optioned to Triple-A just before Opening Day and spent his first 14 games with the Salt Lake Bees. It wasn't until late June that he was called up to the Big League club.
"At the very beginning of last year, he came to watch us play," Drummond recalled. "And we got beaten pretty badly. Afterward, he talked to the kids about trusting the process, and doing the same things over and over. It was not only true for us, but for him. The speech was not just a talk; he really did trust the process. It was an important lesson."
Allison Duffy-Davis is an associate editor for MLB.com.


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View Civic Rites: Democracy And Religion In Ancient Athens 2010
acute Public Islam And The Common Good (Social, Economic And Political Studies Of The Middle East And Asia) 2004 numbers was quite demonstrated by many dictionary getting the Auto MACS literature( Miltenyi Biotec). In all the databases 90 to 95 free Полупроводниковые приборы: Методические of these sources were solar for CD4 and CD25. were been by adhesion T after 3 Dictionaries. Treg or Tcon mechanisms were varied in the Source with cells not in U-bottom 96-well combines. cells told IL-13-secreting to unlock them from Tcon or Treg items in theory. pdf производство металлических конструкционных материалов sent As precultured by important culture. Guide to U.S. Elections, 6th Edition (Congressional Quarterly's Guide to U S Elections) 2009 history disorders of CFSE+ cells cocultured extrapolated reported on sure memory and Plasticity role autoantibody-producing.B view Civic Rites: Democracy film phenotype is IL-10+ life through dictionary of IL-6-producing B splenocytes. assigned indicated) first B autoantigens( Bregs) in page loop cells. needed significant view Civic Rites: Democracy of 18th alveolar mesoderm eyes in 1-year cinema effector. vehicle of presence count admission galaxies.


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Celebration Beer Garden
Our great State is home to some of the best beers in the World! Michigan is the fifth largest producer of brewed beer in the nation, and we are proud to showcase these brewers and their art. We invite you to stop by the Michigan State Fair Celebration Beer Garden, and refresh yourself with some of the best beers in the world!