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Terms & Conditions
Bookings can be made on our website by telephone or safely and securely online through our website. All bookings require either a deposit or full payment at the time of booking to hold the date and time requested. You are advised which type of payment at the time of booking.
On receipt of the required payment and final availability check, you will receive confirmation of your booking and a receipt for your payment, which will have full venue contact details and any other relevant information. Please use the postcode provided to generate your own map online using Google Maps or use in a SatNav. If you do not receive theses details on your receipt contact us immediately. If you fail to do this and subsequently cannot find the venue you must accept full responsibility. We can be contacted by phone seven days a week. Please view our booking office hours on this website. Please have full details of your booked event to hand.
PAYMENTS - Deposits & Outstanding Balances
In most cases events that are booked outside of 31 days prior to the event date can be secured with a small deposit. Outstanding balances will be due 31 days prior to the event date to complete the payment for the booked experience. These will be automatically collected when due. Reminder emails are sent out prior to the outstanding balance being collected.
Covid-19, SARS-Cov-2 or any mutation of these.Cancellation by you or any member of your group due to having or being effected by illness, including these listed above, will still follow the below cancellation terms.
Your booking usually prevents others from booking at a specific time on a specific date and is therefore subject to a recognised cancellation policy for sporting activity bookings, which is in line with Regulation Part 3, section 28 within the Distance Selling Regulations issued by the Office of Fair Trading. This means that, once the booking is in place, your right to cancel without penalty ends:
Booking taken:- Loss of deposit
More than 31 days prior to booked date:- Full refund less deposit.
31 days or less prior to booked date:- No refund.
Our accepted date of cancellation is when your written cancellation is acknowledged in writing by us. Email: firstname.lastname@example.com, or post to address below. If catering or any other supply is included in the package, this may also be subject to cancellation charges.The 31day rule includes weekends and bank holidays.Any reduction in numbers must also in writing and acknowledged in writing by us to be considered valid. Any changes in participant numbers are subject to the same cancellation charges as stated above. Verbal changes and cancellations are not accepted in any circumstances.
Sky Diving, Hot Air Ballooning, Flights
The activities listed above are heavily dependent on weather conditions. Once booked, they are non refundable and non transferable.
If the activity is cancelled due to unsafe weather conditions, this may be last minute at the instructors discretion. Should this occur, then your experience will be put on hold and can be booked in for a convenient future date.
In the event of a flight being cancelled due to adverse weather conditions, or for any other reason, the current range of alternative dates will be available on enquiry to the booking office or on the company website(s). Please note that there are no refunds available.
Customers can select the Flexi Date option at the time of booking. Flexi Date allows the booker the option to reschedule their current booked event date to a new future date, if they can no longer attend the original day.
You will have up until 2 weeks prior to the event date to notify us in writing to reschedule, and provide the new date. Rescheduled events will be required to remain at the same location that was originally selected and the future date will be subject to availability for that newly selected date and time. No refund will be provided if your newly requested date and time are not available, new dates will need to be provided.
A booking can only be rescheduled once with a Flexi Date payment. Bookings can not be rescheduled within the 2 weeks (14 day) period prior to the original event date.
If Flexi-Date has not been selected at checkout and you are requesting to reschedule a date:
This can only be considered up until 14 days prior to the event date and will need confirming with instructors.
If the reschedule is possible, this will incur a date rescheduling fee of GBP 40.00
In the case of a booking for sphering (zorbing), rally driving or any event that includes driving any type of high performance car, full payment is required on booking and no refunds are given. In the case of high performance cars, you may re-schedule your date, subject to availability, up to 21 days prior to the event. The admin fee to do this is £30 per booking.
We operate under UKPSF guidelines, which state:
Paintball players 13 years or younger must have a responsible adult playing with them throughout the session. Players between the ages of 14 and 16years must have a responsible adult on the paintball site at all times during the session. In addition the site must be in possession of a signed parental consent form before these age groups can take part. These forms are available to every participant during the booking process. Age restrictions are clearly stated on our website. Participants who do not meet the minimum requirement will be turned away from the site.
For gokarting and quad biking no driving licence is required, however, when taking part in 4x4 or a supercar / rally driving experience, you must have held a full UK licence for at least one year (F1 driving experience 3 years). You must also take your licence for inspection on the day. Failure to produce a licence for this type of activity will result in you not taking part in the activity and this will be deemed as a cancellation.
If an activity is cancelled due to bad weather or any other unavoidable circumstances by the venue, including government restrictions, your booking will be rescheduled to a mutually convenient date for you and the venue. You can chose a date up to three months after the original booked date. Bookings for a venue where the supplier is still able to and prepared to run the session, will not be eligible for re-scheduling. In these circumstances, a customer's decision not to take part it is deemed that the booking has been cancelled and charges as stated will apply. Refunds are not applicable.
In the event that your booking is placed On Hold by the instructors, due to unavoidable circumstances or under special request. On hold bookings will expire after 6 months. In the event that the On Hold booking is not rescheduled back in within the 6 month time frame the event will be cancelled. Refunds are not applicable
Bookings can only be placed on hold by the instructors request under extenuating circumstances, or by special request, which will need the authorisation from the instructors.
Discounted bookings for large groups are priced on the number of participants. Any reduction in group size will result in re-pricing.If the reduction causes your group numbers to fall below the minimum requirement, the price for the minimum number will be charged regardless of attendees. In addition to the re-pricing, cancellation charges apply to each person that is cancelled in a group booking. A group that does not qualify for a discount at the time of booking, cannot acquire a discounted status by the addition of extra participants at a later date. A booked 'team' classified event can add further teams to their booking subject to availability but team sizes cannot be increased at a later date. If a reduction in a group size results in the venue cancelling your event you will still be subject to cancellation charges.
You must be ready to take part in your booked activity 30 minutes prior to a designated "start-time" to enable a full safety briefing to take place, unless advised otherwise on your booking confirmation. The time stated on your confirmation is the start time *not* arrival time. Some venues ask for an even earlier arrival - so please check on your confirmation. No participant may take part in any activity without first attending a pre-session safety briefing as designated by the individual activity provider. The booking will normally be treated as a cancellation in the event of late arrival with the loss of all monies and the activity provider will turn you away, particularly if they have a busy schedule to meet. This is their right to do so. Your acceptance of this proviso forms part of any booking.
Please take arrival times seriously allowing for any possible delays on route to the venue.
The activity provider has the right, at all times, to refuse participants access to the booked activity at any stage of the booking and remove them from their venue if in their opinion the participants are under the permitted age; are the incorrect height or weight; are unfit to take part in the activity because of physical or mental impairment; be under the influence of alcohol or drugs; have arrived too late to take part in the pre-activity briefing; consider them to be a danger to themselves, other participants or members of staff ; or are displaying aggressive and abusive behaviour (verbal or physical). If any of these occurrences apply, the booking will have been deemed to have been cancelled and cancellation charges will apply. There are no exceptions.
Whilst all our activities are as safe as they can be given their inherent physical dangers, it MUST be understood that all safety instructions, directions, warnings and all other instructions must be followed at all times during your time at the venue. You must listen carefully to all safety instructions and ensure you are wearing any safety equipment or clothing properly. If in any doubt you must seek further guidance and help from the activity provider immediately. You must not attempt to go beyond your capabilities or engage in risky or daring behaviour other than what is involved in the activity itself. It is a given that you undertake the activity with the full understanding of the risks involved and accept responsibility for your own safety together with that of any minors for whom you have responsibility. You will be asked to sign a disclaimer before taking part in many activities to say you are mentally and medically fit and well. If you are in any doubt about the suitability of the activity for you, you must check with your GP prior to making any booking. If you refuse to sign a disclaimer at the venue you will not be able to take part and such an action will be treated as a cancellation.
All the activities are described in as much detail as possible and are correct at the time each booking is made. All timings for activities are the total time for the sessions and not an indication of a per person allocation. From time to time activities do change both in price, type and duration. Our Booking Advisors will make every effort to provide additional information and clarification about any of our featured activities, however customers are deemed to have thoroughly familiarised themselves with the activity description, all restrictions, including height, weight and age restriction as detailed on our websites before booking the activity. No responsibility can be accepted by us for an inappropriate booking if you do not familiarise yourself with all aspects of the activity in question at the venue chosen either on our website or through your own enquiries before placing a booking.
In the event that an activity does not show a weight or a height restriction, this is due to the experience not generally having a fixed one in place. However, if your individual circumstances regarding weight or height have historically prohibited you or a member of your party from participating in an experience or could bring in to question the suitability of the experience, more specifically if the participant is over 6ft4 in height and over 20stone in weight, please bring this to our attention prior to making your booking.
If you are dissatisfied with your activity in any respect, or you have any other complaint about the activity provider or any other matter in relation to the venue or it's performance, then you must speak to the activity provider on the day and come to an agreement about how you can resolve the situation. It will not be considered reasonable if you have not brought your dissatisfaction to the attention of the activity provider at the time and then complain later. If you take part in an activity, either the booked activity or a replacement offered by the activity provider on the day, it is deemed that you consider that the activity of which you took part is entirely acceptable to you and that a complaint at a later date is unlikely to be considered. Should you have a complaint about the actual booking process, please email: firstname.lastname@example.com. All communications with Customer Services must be in writing, as this ensures that all aspects of the communication between us are clear and unambiguous. Once received, we will investigate and discuss the matter with the relevant parties. When we have gathered all the necessary information, we will get back to you.
Should you be deemed eligible for a refund the absolute maximum amount this will be is the monies you have paid to us and will not extend to consequential loss or claimed inconvenience or stress howsoever caused. No exceptions are made in this regard. If you have taken part in any activity during the booked event in question, regardless of the circumstances or conditions under which you took part, then this will negate any refund claim.
The Company complies with the principles of the Data Protection Act 1998 and is registered. Those principles require that data be:
- Fairly and lawfully processed
- Processed for limited purposes
- Adequate, relevant and not excessive
- Accurate
- Not kept longer than necessary
- Processed in accordance with the data subject's rights
- Secure
All our brands are well known within the UK and have acquired both registered and unregistered rights in our trademarks, domain names and our logos. No one may use our names, trademarks, domain names or logos for any purpose without our express written permission. Any unlawful use of our brands will be dealt with by law.
All bookings will be subject to these same terms and conditions without exception. All customers will have deemed to have made themselves aware of these Terms & Conditions and will have accepted them in their entirety and without exception as part of their booking with us. No verbal or other communication overrides these terms and conditions in any respect whatsoever.
All of the provisions, clauses and paragraphs in these Terms and Conditions should be read and construed independently of each other. If any provision, clause or paragraph in these Terms of Business is held to be invalid or unenforceable such provision, clause or paragraph will be struck out and the remaining provisions, clauses and paragraphs will remain in force.
Your statutory rights are not affected.
These Terms and Conditions are subject to the laws of England, Scotland and Wales and you agree to submit to the jurisdiction of the courts in area in which you are domiciled.
If the Company is unable to perform any of its obligations under this Agreement by reason of any circumstances, cause or event outside its control including (without limitation of the generality of this Clause) any governmental restrictions, adverse weather, riot, commotion, acts of God, industrial action, breakdown of plant or any failure of gas, water service, electricity etc., the Company shall be entitled to be relived of its obligations hereunder to the extent to which performance of the obligations is prevented, frustrated or suspended. The Company will use its best endeavours to reschedule the event as soon as practicably possible after such occurrence as listed In the event that it is not possible to reschedule for any reason the circumstances of non-performance if the obligations of the Company hereunder shall not entitle the Client to claim damages of any kind whatsoever whether direct, indirect or consequential.
Where the company is unable to perform any of its obligations relating to your booking as a result of pandemic closures or restrictions (including but not limited to closures as a direct or indirect result of mandate, government advice or instruction, industry shutdown, health advice and guidance, supply chain disruption or any other restrictions that impact upon the company's ability to deliver the booking) the company will use its best endeavours to reschedule the booking once the closure or restriction has been lifted. In the event that the booking cannot be rescheduled, for any reason whatsoever, a credit voucher for a value not exceeding the amount paid by the Client will be issued. This credit voucher will be valid for six months from the date of issue. Failure to deliver upon the original booking will not entitle the client to a refund or to claim for damages of any kind whether direct, indirect or consequential.
Failure by this Company to enforce any of its rights under these Terms of Business is not to be regarded as a waiver of those rights unless the waiver is confirmed in writing. If this Company decides to waive any of its rights under these Terms of Business, this will not inhibit this Company from enforcing those rights at any or all times in the future.
We are a booking agency for the activity providers and venues featured on our websites.
Geronigo, Hammerain House, Hookstone Avenue, Harrogate, HG2 8ER, UK
For specific terms and conditions relating to voucher purchase, click here


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Hope Home Furnishings and Flooring is full service furniture and flooring store, serving Central Nebraska and beyond with a commitment to treating the customer with good old fashioned hometown service. Stop by and see why so many friends have made us their stop for home furnishings for over 50 years or browse the website for all the furniture and accessories we display on our showroom floor.
1024 13th St
Aurora, NE 68818
Mondays thru Fridays
8:00 am – 5:00 pm
9:00 am -- 2:00 pm

subset: commoncrawl


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On each national day of inauguration since 1789, the people have renewed their sense of dedication to the United States.
In Washington's day, the task of the people was to create and weld together a nation.
In Lincoln's day, the task of the people was to preserve that Nation from disruption from within.
In this day, the task of the people is to save that Nation and its institutions from disruption from without.
To us, there has come a time, in the midst of swift happenings, to pause for a moment and take stock to recall what our place in history has been and to rediscover what we are and what we may be. If we do not, we risk the real peril of inaction.
The lives of nations are determined not by the count of years but by the lifetime of the human spirit. The life of a man is three-score years and ten: a little more, a little less. The life of a nation is the fullness of the measure of its will to live.
There are men who doubt this. There are men who believe that democracy, as a form of Government and a frame of life, is limited or measured by a kind of mystical and artificial fate that, for some unexplained reason, tyranny and slavery have become the surging wave of the future and that freedom is an ebbing tide.
But we Americans know that this is not true.
Eight years ago, when the life of this Republic seemed frozen by a fatalistic terror, we proved that this is not true. We were in the midst of shock, but we acted. We acted quickly, boldly, decisively.
These later years have been living years fruitful years for the people of this democracy. For they have brought to us greater security and, I hope, a better understanding that life's ideals are to be measured in other than material things.
Most vital to our present and our future is this experience of a democracy that successfully survived a crisis at home, put away many evil things, built new structures on enduring lines, and, through it all, maintained the fact of its democracy.
For action has been taken within the three-way framework of the Constitution of the United States. The coordinate branches of the Government continue freely to function. The Bill of Rights remains inviolate. The freedom of elections is wholly maintained. Prophets of the downfall of American democracy have seen their dire predictions come to naught.
Democracy is not dying.
We know it because we have seen it revive and grow.
We know it cannot die because it is built on the unhampered initiative of individual men and women joined together in a common enterprise, an enterprise undertaken and carried through by the free expression of a free majority.
We know it because democracy alone, of all forms of government, enlists the full force of men's enlightened will.
We know it because democracy alone has constructed an unlimited civilization capable of infinite progress in the improvement of human life.
We know it because, if we look below the surface, we sense it still spreading on every continent, for it is the most humane, the most advanced, and, in the end, the most unconquerable of all forms of human society.
A nation, like a person, has a body, a body that must be fed and clothed and housed, invigorated and rested, in a manner that measures up to the objectives of our time.
A nation, like a person, has a mind, a mind that must be kept informed and alert, that must know itself, that understands the hopes and the needs of its neighbors, all the other nations that live within the narrowing circle of the world.
And a nation, like a person, has something deeper, something more permanent, something larger than the sum of all its parts. It is that something which matters most to its future which calls forth the most sacred guarding of its present.
It is a thing for which we find it difficult, even impossible, to hit upon a single, simple word.
And yet we all understand what it is: the spirit, the faith of America. It is the product of centuries. It was born in the multitudes of those who came from many lands, some of high degree, but mostly plain people, who sought here, early and late, to find freedom more freely.
The democratic aspiration is no mere recent phase in human history. It is human history. It permeated the ancient life of early peoples. It blazed anew in the Middle Ages. It was written in Magna Charta.
In the Americas, its impact has been irresistible. America has been the New World in all tongues, to all peoples, not because this continent was a new-found land, but because all those who came here believed they could create upon this continent a new life, a life that should be new in freedom.
Its vitality was written into our own Mayflower Compact, into the Declaration of Independence, into the Constitution of the United States, into the Gettysburg Address.
Those who first came here to carry out the longings of their spirit, the millions who followed, and the stock that sprang from them all have moved forward constantly and consistently toward an ideal that in itself has gained stature and clarity with each generation.
The hopes of the Republic cannot forever tolerate either undeserved poverty or self-serving wealth.
We know that we still have far to go, that we must more greatly build the security and the opportunity and the knowledge of every citizen, in the measure justified by the resources and the capacity of the land.
But it is not enough to achieve these purposes alone. It is not enough to clothe and feed the body of this Nation and instruct and inform its mind, for there is also the spirit. And of the three, the greatest is the spirit.
Without the body and the mind, as all men know, the Nation could not live.
But if the spirit of America were killed, even though the Nation's body and mind, constricted in an alien world, lived on, the America we know would have perished.
That spirit of faith speaks to us in our daily lives in ways often unnoticed because they seem so obvious. It speaks to us here in the Capital of the Nation. It speaks to us through the processes of governing in the sovereignties of 48 States. It speaks to us in our counties, in our cities, in our towns, and in our villages. It speaks to us from the other nations of the hemisphere and from those across the seas, the enslaved as well as the free. Sometimes, we fail to hear or heed these voices of freedom because, to us, the privilege of our freedom is such an old, old story.
The destiny of America was proclaimed in words of prophecy spoken by our first President in his first inaugural in 1789, words almost directed, it would seem, to this year of 1941: "The preservation of the sacred fire of liberty and the destiny of the republican model of government are justly considered ... deeply, ... finally, staked on the experiment intrusted to the hands of the American people."
If we lose that sacred fire, if we let it be smothered with doubt and fear, then we shall reject the destiny which Washington strove so valiantly and so triumphantly to establish. The preservation of the spirit and faith of the Nation does, and will, furnish the highest justification for every sacrifice that we may make in the cause of national defense.
In the face of great perils never before encountered, our strong purpose is to protect and perpetuate the integrity of democracy.
For this, we muster the spirit of America and the faith of America.
We do not retreat. We are not content to stand still. As Americans, we go forward in the service of our country by the will of God.
<- Return to President Franklin Roosevelt Timeline


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Please fill out the form below for and get a quote for part number 413-00049 by Other Company Llc, please include required quantity along with expected turn around time. Our knowledgeable account manager will reply you shortly. Also check for the related parts for part number 413-00049. ASAP Aerospace distributes nose to tail NSN components, sub-assemblies, and assemblies for the aerospace and aviation industry.
We are open for 7 days a week, 24 hours to provide you best assistance. All bill of materials (BOM) can be sent via email to firstname.lastname@example.com in an excel format. Please feel free to call us at +1 (714) 705-4780.


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Bang & Olufsen Schwerin
Contact Info
Friedrichstr. 15
19055 Schwerin
+49 385 5815031
Opening hours
09:30 - 18:00 09:30 - 18:00 09:30 - 18:00 09:30 - 18:00 09:30 - 18:00 10:00 - 13:00Closed Today
Store Hours:
|Day of the Week
|09:30 - 18:00
|09:30 - 18:00
|09:30 - 18:00
|09:30 - 18:00
|09:30 - 18:00
|10:00 - 13:00
|Day of the Week
|09:30 - 18:00
|09:30 - 18:00
|09:30 - 18:00
|09:30 - 18:00
|09:30 - 18:00
|10:00 - 13:00
About us
In Bang & Olufsen Schwerin we offer you the chance to explore all core Bang & Olufsen products.
As your local Bang & Olufsen retailer, we specialize in providing a welcoming, helpful and relaxed experience, whether you want pointers on how to enhance your experience, are looking to buy a Bang & Olufsen product, or want to browse our fine assortment of loudspeakers, TVs, sound systems and more.
The latest news and highlights in our store
- Make every movie an unmissable cinematic event
- Beolab 28 - Stereo excellence. In tune with you.
Experience In-Store
Your new TV or speakers need to fit perfectly in your home. We can help you make the right choice.
Services we offer
Bang & Olufsen Showroom
Visit Bang & Olufsen Schwerin to experience Bang & Olufsen products - including televisions, stereo speakers, multiroom speakers, portable speakers, headphones and earphones - in our showroom. Listen to the sound, feel the craftmanship, and see the design first-hand. We can offer you the chance to explore all core Bang & Olufsen products.
Our experienced personnel are able to help you achieve the perfect marriage of placement, tonality and décor in very little time. The placement of your new speakers in your living room will have quite a large effect on its performance. Share your home specifications with us and we will guide you to the perfect custom setup. Our certified installers are able to hide all cables and use only the finest materials, creating a setup that works seamlessly and is flawlessly integrated in your home.
Our experts are standing by to install the perfect, custom tailored Bang & Olufsen experience in your home. We will help you with everything from initial consultancy to final implementation. Seamless convenience with one touch of your Bang & Olufsen remote is our goal. When you buy a Bang & Olufsen product in our store, our competent in-store personnel will do their utmost to provide you with the best service possible. We review the work and knowledge of our service engineers and installers regularly to ensure that the quality of the work they perform is of the highest standard. All are certified by Bang & Olufsen.
Buying a Bang & Olufsen product is a solid and durable investment. But naturally, all new store-bought Bang & Olufsen products come with a two year minimum warranty, and all store-bought refurbished products have a custom warranty, tailored to the product. Don't hesitate to contact us if you have a question regarding the warranty on your product, new or refurbished.
If you experience problems with your product, simply contact us, and we'll arrange a swift and thorough repair. You can find contact information at the top of the page. Tell us the nature of your problem or let us know of any questions regarding repair, and we'll conduct the necessary arrangements.


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Licensed Professional Counselors (LPC), Licensed Clinical Social Workers (LCSW), Licensed Marriage and Family Therapists (LMFT), Psychologists, and Licensed Mental Health Counselors (LMHC) are provided with the opportunity to operate as a private practice with no doors and no overhead. Work from the comfort of your home on your own schedule, interact with your patients via a private online message board, live chat, phone and video conferencing. BetterHelp provides the marketing, the technology, and the additional income. You provide the professionalism, clinical experience, and care.Candidates are required to be licensed by a State Board to provide counseling (e.G., LCSW, LMFT, LPC, PsyD or similar credentials).NOTE: Unfortunately, if you are an intern or if you require supervision to provide counseling services, you cannot be a provider at BetterHelp at this time. Also, we are unable to accept substance abuse counselors, school counselors, registered nurses, career counselors... Christian counselors and business/life coaches (unless they have an additional license as a mental health counselor).Benefits for CounselorsCounselors Focus on Clinical Work: Your focus is 100% on counseling. You do not need to worry about acquiring clients, billing, support, or operations. We handle it all!Flexibility: BetterHelp can be your major source of income (" Full time") or a supplement to your current work. You choose your caseload size, and you are in control of your schedule and appointment times.Zero Overhead: No fees are collected from the counselor, ever.When you take a full caseload with BetterHelp, we help cover health, dental, and vision benefits! This benefit is dispersed as a stipend and we partner with a broker to help you acquire your health plan.Who Should ApplyLicensed Professional Counselors (LPC), Licensed Clinical Social Workers (LCSW), Licensed Marriage and Family Therapists (LMFT), Psychologists, and Licensed Mental Health Counselors (LMHC) are all encouraged to apply!Counselors looking for an easy, all-in-one technology platform for telehealth.Counselors looking for a variety of ways to engage for example, through the 3 types of live sessions available (video, phone, and live chat), through the asynchronous messaging component, through worksheets, through shared journal entries, through audio and video messages, and more.Counselors who are looking for a strong and accessible peer community, directly through the platform. With over 8,000 therapists on the BetterHelp platform, you'll have a forum to ask and answer any questions you might have!RequirementsCounselors must be licensed by a State Board to provide counseling (e.G., LCSW, LMFT, LPC, PsyD or similar credentials).Experience counseling adults, couples, and/or teensReliable Internet connectionCurrently residing in the USMore About BetterHelpBetterHelp's secure online platform and broad network of licensed therapists help those facing life's challenges by providing easy, affordable, and private access to professional counseling.BetterHelp has facilitated millions of voice calls, live chats, and messages that let people get the help they need using their computer, tablet, or smartphone anytime, anywhere.In 2015 we expanded our resources and expertise by joining Teladoc Health (NYSE:TDOC), the nation's first and world's largest telehealth organization, helping to make BetterHelp the world's largest and most reputable e-counseling platform
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The Illuminati were amateurs. The second huge financial scandal of the year reveals the real international conspiracy: There's no price the big banks can't fix
by Matt Taibbi at Rolling Stone
Conspiracy theorists of the world, believers in the hidden hands of the Rothschilds and the Masons and the Illuminati, we skeptics owe you an apology. You were right. The players may be a little different, but your basic premise is correct: The world is a rigged game. We found this out in recent months, when a series of related corruption stories spilled out of the financial sector, suggesting the world's largest banks may be fixing the prices of, well, just about everything.
You may have heard of the Libor scandal, in which at least three – and perhaps as many as 16 – of the name-brand too-big-to-fail banks have been manipulating global interest rates, in the process messing around with the prices of upward of $500 trillion (that's trillion, with a "t") worth of financial instruments. When that sprawling con burst into public view last year, it was easily the biggest financial scandal in history – MIT professor Andrew Lo even said it "dwarfs by orders of magnitude any financial scam in the history of markets."
That was bad enough, but now Libor may have a twin brother. Word has leaked out that the London-based firm ICAP, the world's largest broker of interest-rate swaps, is being investigated by American authorities for behavior that sounds eerily reminiscent of the Libor mess. Regulators are looking into whether or not a small group of brokers at ICAP may have worked with up to 15 of the world's largest banks to manipulate ISDAfix, a benchmark number used around the world to calculate the prices of interest-rate swaps.
Interest-rate swaps are a tool used by big cities, major corporations and sovereign governments to manage their debt, and the scale of their use is almost unimaginably massive. It's about a $379 trillion market, meaning that any manipulation would affect a pile of assets about 100 times the size of the United States federal budget.
It should surprise no one that among the players implicated in this scheme to fix the prices of interest-rate swaps are the same megabanks – including Barclays, UBS, Bank of America, JPMorgan Chase and the Royal Bank of Scotland – that serve on the Libor panel that sets global interest rates. In fact, in recent years many of these banks have already paid multimillion-dollar settlements for anti-competitive manipulation of one form or another (in addition to Libor, some were caught up in an anti-competitive scheme, detailed in Rolling Stone last year, to rig municipal-debt service auctions). Though the jumble of financial acronyms sounds like gibberish to the layperson, the fact that there may now be price-fixing scandals involving both Libor and ISDAfix suggests a single, giant mushrooming conspiracy of collusion and price-fixing hovering under the ostensibly competitive veneer of Wall Street culture.
The Scam Wall Street Learned From the Mafia
Why? Because Libor already affects the prices of interest-rate swaps, making this a manipulation-on-manipulation situation. If the allegations prove to be right, that will mean that swap customers have been paying for two different layers of price-fixing corruption. If you can imagine paying 20 bucks for a crappy PB&J because some evil cabal of agribusiness companies colluded to fix the prices of both peanuts and peanut butter, you come close to grasping the lunacy of financial markets where both interest rates and interest-rate swaps are being manipulated at the same time, often by the same banks.
"It's a double conspiracy," says an amazed Michael Greenberger, a former director of the trading and markets division at the Commodity Futures Trading Commission and now a professor at the University of Maryland. "It's the height of criminality."
The bad news didn't stop with swaps and interest rates. In March, it also came out that two regulators – the CFTC here in the U.S. and the Madrid-based International Organization of Securities Commissions – were spurred by the Libor revelations to investigate the possibility of collusive manipulation of gold and silver prices. "Given the clubby manipulation efforts we saw in Libor benchmarks, I assume other benchmarks – many other benchmarks – are legit areas of inquiry," CFTC Commissioner Bart Chilton said.
But the biggest shock came out of a federal courtroom at the end of March – though if you follow these matters closely, it may not have been so shocking at all – when a landmark class-action civil lawsuit against the banks for Libor-related offenses was dismissed. In that case, a federal judge accepted the banker-defendants' incredible argument: If cities and towns and other investors lost money because of Libor manipulation, that was their own fault for ever thinking the banks were competing in the first place.
"A farce," was one antitrust lawyer's response to the eyebrow-raising dismissal.
"Incredible," says Sylvia Sokol, an attorney for Constantine Cannon, a firm that specializes in antitrust cases.
All of these stories collectively pointed to the same thing: These banks, which already possess enormous power just by virtue of their financial holdings – in the United States, the top six banks, many of them the same names you see on the Libor and ISDAfix panels, own assets equivalent to 60 percent of the nation's GDP – are beginning to realize the awesome possibilities for increased profit and political might that would come with colluding instead of competing. Moreover, it's increasingly clear that both the criminal justice system and the civil courts may be impotent to stop them, even when they do get caught working together to game the system.
If true, that would leave us living in an era of undisguised, real-world conspiracy, in which the prices of currencies, commodities like gold and silver, even interest rates and the value of money itself, can be and may already have been dictated from above. And those who are doing it can get away with it. Forget the Illuminati – this is the real thing, and it's no secret. You can stare right at it, anytime you want.
The banks found a loophole, a basic flaw in the machine. Across the financial system, there are places where prices or official indices are set based upon unverified data sent in by private banks and financial companies. In other words, we gave the players with incentives to game the system institutional roles in the economic infrastructure.
Libor, which measures the prices banks charge one another to borrow money, is a perfect example, not only of this basic flaw in the price-setting system but of the weakness in the regulatory framework supposedly policing it. Couple a voluntary reporting scheme with too-big-to-fail status and a revolving-door legal system, and what you get is unstoppable corruption.
Every morning, 18 of the world's biggest banks submit data to an office in London about how much they believe they would have to pay to borrow from other banks. The 18 banks together are called the "Libor panel," and when all of these data from all 18 panelist banks are collected, the numbers are averaged out. What emerges, every morning at 11:30 London time, are the daily Libor figures.
Banks submit numbers about borrowing in 10 different currencies across 15 different time periods, e.g., loans as short as one day and as long as one year. This mountain of bank-submitted data is used every day to create benchmark rates that affect the prices of everything from credit cards to mortgages to currencies to commercial loans (both short- and long-term) to swaps.
Gangster Bankers Broke Every Law in the Book
Dating back perhaps as far as the early Nineties, traders and others inside these banks were sometimes calling up the company geeks responsible for submitting the daily Libor numbers (the "Libor submitters") and asking them to fudge the numbers. Usually, the gimmick was the trader had made a bet on something – a swap, currencies, something – and he wanted the Libor submitter to make the numbers look lower (or, occasionally, higher) to help his bet pay off.
Famously, one Barclays trader monkeyed with Libor submissions in exchange for a bottle of Bollinger champagne, but in some cases, it was even lamer than that. This is from an exchange between a trader and a Libor submitter at the Royal Bank of Scotland:SWISS FRANC TRADER: can u put 6m swiss libor in low pls?...Screwing around with world interest rates that affect billions of people in exchange for day-old sushi – it's hard to imagine an image that better captures the moral insanity of the modern financial-services sector.
PRIMARY SUBMITTER: Whats it worth
SWSISS FRANC TRADER: ive got some sushi rolls from yesterday?...
PRIMARY SUBMITTER: ok low 6m, just for u
SWISS FRANC TRADER: wooooooohooooooo. . . thatd be awesome
Hundreds of similar exchanges were uncovered when regulators like Britain's Financial Services Authority and the U.S. Justice Department started burrowing into the befouled entrails of Libor. The documentary evidence of anti-competitive manipulation they found was so overwhelming that, to read it, one almost becomes embarrassed for the banks. "It's just amazing how Libor fixing can make you that much money," chirped one yen trader. "Pure manipulation going on," wrote another.
Yet despite so many instances of at least attempted manipulation, the banks mostly skated. Barclays got off with a relatively minor fine in the $450 million range, UBS was stuck with $1.5 billion in penalties, and RBS was forced to give up $615 million. Apart from a few low-level flunkies overseas, no individual involved in this scam that impacted nearly everyone in the industrialized world was even threatened with criminal prosecution.
Two of America's top law-enforcement officials, Attorney General Eric Holder and former Justice Department Criminal Division chief Lanny Breuer, confessed that it's dangerous to prosecute offending banks because they are simply too big. Making arrests, they say, might lead to "collateral consequences" in the economy.
The relatively small sums of money extracted in these settlements did not go toward reparations for the cities, towns and other victims who lost money due to Libor manipulation. Instead, it flowed mindlessly into government coffers. So it was left to towns and cities like Baltimore (which lost money due to fluctuations in their municipal investments caused by Libor movements), pensions like the New Britain, Connecticut, Firefighters' and Police Benefit Fund, and other foundations – and even individuals (billionaire real-estate developer Sheldon Solow, who filed his own suit in February, claims that his company lost $450 million because of Libor manipulation) – to sue the banks for damages.
One of the biggest Libor suits was proceeding on schedule when, early in March, an army of superstar lawyers working on behalf of the banks descended upon federal judge Naomi Buchwald in the Southern District of New York to argue an extraordinary motion to dismiss. The banks' legal dream team drew from heavyweight Beltway-connected firms like Boies Schiller (you remember David Boies represented Al Gore), Davis Polk (home of top ex-regulators like former SEC enforcement chief Linda Thomsen) and Covington & Burling, the onetime private-practice home of both Holder and Breuer.
The presence of Covington & Burling in the suit – representing, of all companies, Citigroup, the former employer of current Treasury Secretary Jack Lew – was particularly galling. Right as the Libor case was being dismissed, the firm had hired none other than Lanny Breuer, the same Lanny Breuer who, just a few months before, was the assistant attorney general who had balked at criminally prosecuting UBS over Libor because, he said, "Our goal here is not to destroy a major financial institution."
In any case, this all-star squad of white-shoe lawyers came before Buchwald and made the mother of all audacious arguments. Robert Wise of Davis Polk, representing Bank of America, told Buchwald that the banks could not possibly be guilty of anti- competitive collusion because nobody ever said that the creation of Libor was competitive. "It is essential to our argument that this is not a competitive process," he said. "The banks do not compete with one another in the submission of Libor."
If you squint incredibly hard and look at the issue through a mirror, maybe while standing on your head, you can sort of see what Wise is saying. In a very theoretical, technical sense, the actual process by which banks submit Libor data – 18 geeks sending numbers to the British Bankers' Association offices in London once every morning – is not competitive per se.
But these numbers are supposed to reflect interbank-loan prices derived in a real, competitive market. Saying the Libor submission process is not competitive is sort of like pointing out that bank robbers obeyed the speed limit on the way to the heist. It's the silliest kind of legal sophistry.
But Wise eventually outdid even that argument, essentially saying that while the banks may have lied to or cheated their customers, they weren't guilty of the particular crime of antitrust collusion. This is like the old joke about the lawyer who gets up in court and claims his client had to be innocent, because his client was committing a crime in a different state at the time of the offense.
"The plaintiffs, I believe, are confusing a claim of being perhaps deceived," he said, "with a claim for harm to competition."
Judge Buchwald swallowed this lunatic argument whole and dismissed most of the case. Libor, she said, was a "cooperative endeavor" that was "never intended to be competitive." Her decision "does not reflect the reality of this business, where all of these banks were acting as competitors throughout the process," said the antitrust lawyer Sokol. Buchwald made this ruling despite the fact that both the U.S. and British governments had already settled with three banks for billions of dollars for improper manipulation, manipulation that these companies admitted to in their settlements.
Michael Hausfeld of Hausfeld LLP, one of the lead lawyers for the plaintiffs in this Libor suit, declined to comment specifically on the dismissal. But he did talk about the significance of the Libor case and other manipulation cases now in the pipeline.
"It's now evident that there is a ubiquitous culture among the banks to collude and cheat their customers as many times as they can in as many forms as they can conceive," he said. "And that's not just surmising. This is just based upon what they've been caught at."
Greenberger says the lack of serious consequences for the Libor scandal has only made other kinds of manipulation more inevitable. "There's no therapy like sending those who are used to wearing Gucci shoes to jail," he says. "But when the attorney general says, 'I don't want to indict people,' it's the Wild West. There's no law."
The problem is, a number of markets feature the same infrastructural weakness that failed in the Libor mess. In the case of interest-rate swaps and the ISDAfix benchmark, the system is very similar to Libor, although the investigation into these markets reportedly focuses on some different types of improprieties.
Though interest-rate swaps are not widely understood outside the finance world, the root concept actually isn't that hard. If you can imagine taking out a variable-rate mortgage and then paying a bank to make your loan payments fixed, you've got the basic idea of an interest-rate swap.
In practice, it might be a country like Greece or a regional government like Jefferson County, Alabama, that borrows money at a variable rate of interest, then later goes to a bank to "swap" that loan to a more predictable fixed rate. In its simplest form, the customer in a swap deal is usually paying a premium for the safety and security of fixed interest rates, while the firm selling the swap is usually betting that it knows more about future movements in interest rates than its customers.
Prices for interest-rate swaps are often based on ISDAfix, which, like Libor, is yet another of these privately calculated benchmarks. ISDAfix's U.S. dollar rates are published every day, at 11:30 a.m. and 3:30 p.m., after a gang of the same usual-suspect megabanks (Bank of America, RBS, Deutsche, JPMorgan Chase, Barclays, etc.) submits information about bids and offers for swaps.
And here's what we know so far: The CFTC has sent subpoenas to ICAP and to as many as 15 of those member banks, and plans to interview about a dozen ICAP employees from the company's office in Jersey City, New Jersey. Moreover, the International Swaps and Derivatives Association, or ISDA, which works together with ICAP (for U.S. dollar transactions) and Thomson Reuters to compute the ISDAfix benchmark, has hired the consulting firm Oliver Wyman to review the process by which ISDAfix is calculated. Oliver Wyman is the same company that the British Bankers' Association hired to review the Libor submission process after that scandal broke last year. The upshot of all of this is that it looks very much like ISDAfix could be Libor all over again.
"It's obviously reminiscent of the Libor manipulation issue," Darrell Duffie, a finance professor at Stanford University, told reporters. "People may have been naive that simply reporting these rates was enough to avoid manipulation."
And just like in Libor, the potential losers in an interest-rate-swap manipulation scandal would be the same sad-sack collection of cities, towns, companies and other nonbank entities that have no way of knowing if they're paying the real price for swaps or a price being manipulated by bank insiders for profit. Moreover, ISDAfix is not only used to calculate prices for interest-rate swaps, it's also used to set values for about $550 billion worth of bonds tied to commercial real estate, and also affects the payouts on some state-pension annuities.
So although it's not quite as widespread as Libor, ISDAfix is sufficiently power-jammed into the world financial infrastructure that any manipulation of the rate would be catastrophic – and a huge class of victims that could include everyone from state pensioners to big cities to wealthy investors in structured notes would have no idea they were being robbed.
"How is some municipality in Cleveland or wherever going to know if it's getting ripped off?" asks Michael Masters of Masters Capital Management, a fund manager who has long been an advocate of greater transparency in the derivatives world. "The answer is, they won't know."
Worse still, the CFTC investigation apparently isn't limited to possible manipulation of swap prices by monkeying around with ISDAfix. According to reports, the commission is also looking at whether or not employees at ICAP may have intentionally delayed publication of swap prices, which in theory could give someone (bankers, cough, cough) a chance to trade ahead of the information.
Swap prices are published when ICAP employees manually enter the data on a computer screen called "19901." Some 6,000 customers subscribe to a service that allows them to access the data appearing on the 19901 screen.
The key here is that unlike a more transparent, regulated market like the New York Stock Exchange, where the results of stock trades are computed more or less instantly and everyone in theory can immediately see the impact of trading on the prices of stocks, in the swap market the whole world is dependent upon a handful of brokers quickly and honestly entering data about trades by hand into a computer terminal.
Any delay in entering price data would provide the banks involved in the transactions with a rare opportunity to trade ahead of the information. One way to imagine it would be to picture a racetrack where a giant curtain is pulled over the track as the horses come down the stretch – and the gallery is only told two minutes later which horse actually won. Anyone on the right side of the curtain could make a lot of smart bets before the audience saw the results of the race.
At ICAP, the interest-rate swap desk, and the 19901 screen, were reportedly controlled by a small group of 20 or so brokers, some of whom were making millions of dollars. These brokers made so much money for themselves the unit was nicknamed "Treasure Island."
Already, there are some reports that brokers of Treasure Island did create such intentional delays. Bloomberg interviewed a former broker who claims that he watched ICAP brokers delay the reporting of swap prices. "That allows dealers to tell the brokers to delay putting trades into the system instead of in real time," Bloomberg wrote, noting the former broker had "witnessed such activity firsthand." An ICAP spokesman has no comment on the story, though the company has released a statement saying that it is "cooperating" with the CFTC's inquiry and that it "maintains policies that prohibit" the improper behavior alleged in news reports.
The idea that prices in a $379 trillion market could be dependent on a desk of about 20 guys in New Jersey should tell you a lot about the absurdity of our financial infrastructure. The whole thing, in fact, has a darkly comic element to it. "It's almost hilarious in the irony," says David Frenk, director of research for Better Markets, a financial-reform advocacy group, "that they called it ISDAfix."
After scandals involving libor and, perhaps, ISDAfix, the question that should have everyone freaked out is this: What other markets out there carry the same potential for manipulation? The answer to that question is far from reassuring, because the potential is almost everywhere. From gold to gas to swaps to interest rates, prices all over the world are dependent upon little private cabals of cigar-chomping insiders we're forced to trust.
"In all the over-the-counter markets, you don't really have pricing except by a bunch of guys getting together," Masters notes glumly.
That includes the markets for gold (where prices are set by five banks in a Libor-ish teleconferencing process that, ironically, was created in part by N M Rothschild & Sons) and silver (whose price is set by just three banks), as well as benchmark rates in numerous other commodities – jet fuel, diesel, electric power, coal, you name it. The problem in each of these markets is the same: We all have to rely upon the honesty of companies like Barclays (already caught and fined $453 million for rigging Libor) or JPMorgan Chase (paid a $228 million settlement for rigging municipal-bond auctions) or UBS (fined a collective $1.66 billion for both muni-bond rigging and Libor manipulation) to faithfully report the real prices of things like interest rates, swaps, currencies and commodities.
All of these benchmarks based on voluntary reporting are now being looked at by regulators around the world, and God knows what they'll find. The European Federation of Financial Services Users wrote in an official EU survey last summer that all of these systems are ripe targets for manipulation. "In general," it wrote, "those markets which are based on non-attested, voluntary submission of data from agents whose benefits depend on such benchmarks are especially vulnerable of market abuse and distortion."
Translation: When prices are set by companies that can profit by manipulating them, we're fucked.
"You name it," says Frenk. "Any of these benchmarks is a possibility for corruption."
The only reason this problem has not received the attention it deserves is because the scale of it is so enormous that ordinary people simply cannot see it. It's not just stealing by reaching a hand into your pocket and taking out money, but stealing in which banks can hit a few keystrokes and magically make whatever's in your pocket worth less. This is corruption at the molecular level of the economy, Space Age stealing – and it's only just coming into view.
This story is from the May 9th, 2013 issue of Rolling Stone.


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It is safe for high blood pressure patients and diabetics. This diet pill contains chromium, as well as other essential vitamins, which are vital for healthy blood pressure and healthy weight. It is also great for weight loss. Many people have had positive results with the diet pill. If you are ready to start a weight loss plan, it can help you lose unwanted fat and keep your body in shape.
Java Burn's formula is made up of many ingredients. It contains a proprietary blend that includes amino acids and other ingredients proven to increase energy levels. The product is made for people who have trouble losing weight naturally. It contains a proprietary blend of ingredients that helps burn fat and boost energy levels. These ingredients are all natural, and are easy to find in food. In addition, it has been clinically tested on over 3,000 people. Although the supplement is recommended for people who are overweight, results could vary.
The main ingredients in Java Burn are green tea leaf and green coffee bean extracts, which have proven scientific benefits. The supplement also contains L-theanine and chromium, which are essential for proper metabolism. These ingredients can increase your metabolism naturally. The higher your metabolism, the more fat you burn. Java Heat claims that the formula is safe with no side effects. The only problem with this diet pill is the price.
Although the supplement is made of all natural ingredients, it is still a good idea to consult with a doctor first. If you are allergic to some ingredients, it may be too harsh. While it does not have any taste, it will be effective in boosting your metabolic rate and improving your health. It is compatible with all types and amounts of caffeine. So, the product is very safe to use. The product can be mixed into coffee or added to coffee.


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Cast iron UCFL housing unit for 1 1/4 inch shaftTechnical information
Felstrom's UCFL206-20 is a robust cast iron housing unit for 1 1/4 inch shafts (d1). The housing unit consists of bearing housing FL206 and insert bearing UC206-20. Due to their great application flexibility, Felstrom cast iron housing units are our most popular variant. These cast iron housing units are often used in open applications providing space for lubrication as well as fitting and removal.
Felstrom housing units are characterised by their consistent quality and neat finish. All our housing units are available in cast iron, stainless steel (indicated by SS) and plastic (indicated by PSS). Our affordable housing units are individually packaged and available from our resellers.


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Posted on Sunday, October 27th, 2013 at 11:18 pm and is filed under .
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Economy Transmission for Fast And Convenient Hummer Repair Services
Repair and maintenance for all Hummer make and models including:
- Hummer EV
- Hummer H3
- Hummer H2 SUT
Economy Transmission is the top-rated shop for Hummer auto repairs and maintenance in Bristol. Our team of technicians can answer any questions you have related to Hummer maintenance schedules and they standby ready to diagnose and repair your Hummer. At Economy Transmission we are experts on Hummers and understand the brand's strong engineering origins.
Originally, General Motors owned Hummer, and designed it for wartime military service. Today, the Hummer brand combines a rugged exterior with reliability and interior creature comforts.
Hummer is a brand that takes power, off road capabilities and reliability seriously. Economy Transmission highly recommends regular general maintenance to avoid high-cost repairs that can arise in some models and from aggressive driving applications. Common problems involve the engine, transmission, and the rear suspension. Bring your Hummer to Economy Transmission for repairs on which you can depend.
Economy Transmission is here for every Hummer driver who does not want to be sidelined by auto repairs. We get you back on the road as quickly as possible at an affordable price. Economy Transmission understands that Hummer owners need fast affordable and convenient service. Our staff is ready to service all your Hummer vehicles. Give us a call at 860-589-1255 or stop by our service center at 201 Terryville Rd in Bristol, CT, 06010.