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Tunxis College theology department ranking
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Information about Tunxis College theology department ranking, and registering for elective lectures and seminars. As a student, your first stop should be the registrar's office, where you can pick up a free copy of both the academic calendar and course catalog, in order to find available credit classes that you may be interested in taking. Consult with an academic advisor, to ensure that your chosen classes constitute a full-time course load, and fulfills major requirements. Finally, check with your major department for assistance with prerequisites, tuition payment deadlines, and Tunxis College sociology degree information. Please use the form above to request admissions info for Tunxis College.
As the admission's office must sift through many applications, your goal is to stand out in a good way. If you already have top grades and high SAT or ACT scores, you can still improve your application, given other factors such as talent in sports, the quality of your essay, and extracurricular activities. The admissions essay is gaining weight at selective colleges, but please be aware that on average, a typical college application only receives 25 minutes of reading time. Therefore, keep your application brief, and stick to the point when answering questions.
Admissions officers seek to learn how a given applicant thinks, what kind of person they are, and their level of intellectual promise. Many colleges are paying greater attention to a student's grades not only in core courses, but in AP classes and in honors courses as well. In fact, an ideal academic record is one of progressively better grades, in classes of increasing difficulty. It is optimal to try taking advanced placement (AP) courses if they are offered, and the worst thing you can do in terms of getting into college is to drop a hard course just because you fear getting a low grade. Beyond consideration for Tunxis College theology department ranking, you may think about Alamance Community College list of classes for complementary electives to your primary course of study.
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The Big Tremor Matterhorn Railroad show as seen from the top of a burning cabin
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text: BSB: Reid breaks femur in Silverstone crash Published: 11 September 2017 Tyco BMW's Andy Reid has broken his femur after a crash at this weekend's ninth round of the 2017 MCE British Superbike Championship at Silverstone. The BSB rookie crashed out of contention at Stowe corner in the second and only dry race of the weekend. Laid at the side of the track, the safety car was deployed while Reid was tended to by medics. Diagnosed with a suspected broken left femur upon arrival at the medical centre, he was taken to hospital for further assessment and treatment. Unfortunately, it's not the first time Reid has broken his left femur, which is already pinned after a testing crash in Spain earlier in his career. TOP STORIES MotoGP: Rossi already in physio as Maverick flies solo Gallery: MCN 2017 adventure bike of the year Get 4 issues of MCN for just £1 #MCNWednesday MCN Fleet: How hard is it to pick up a Harley? Video: Marc Marquez on taking risks and winning races Confirming the diagnosis, his team have revealed he will undergo surgery today and is in good spirits. Joining the Tyco BMW team to make his superbike debut mid-way through the 2017 season, Reid has steadily built confidence on the S1000RR and was making progress until the time of the crash. Speaking to MCN on Monday afternoon, team boss Philip Neill said he hadn't yet decided whether Reid would be replaced for the upcoming round at Oulton Park which gets underway on Friday. Should he decide to, the team's Superstock star Josh Elliott, who stood in for the injured Christian Iddon earlier this year, would be the natural choice. Have a browse for your next bike on MCN Bikes For Sale website or use the MCN's Bikes For Sale App. By Oli Rushby British Superbike reporter and covering a bit of every other sport too! Other pages you might like ... NewsArticles VideoVideos BSB: Andy Reid replaces Giugliano at Tyco BMW Young gun Andy Reid will replace Davide Giugliano in the Tyco BMW team for the remainder of the 2017... Tommy Hill re-breaks right femur in Nurburgring crash Britain's Tommy Hill faces another long stint on the sidelines after re-breaking the right femur he... Exclusive Interview: Reid 'realistic' ahead of BSB debut 23-year-old Andy Reid has spent the first four rounds of the 2017 MCE British Superbike Championship... BSB: Stapleford to stand in for McConnell at Silverstone Luke Stapleford will make a return to the MCE British Superbike Championship at Silverstone as he... Qatar MotoGP: Alvaro Bautista breaks left femur Alvaro Bautista suffered a devastating injury blow tonight in Qatar when he broke his left femur... Reid joins FFX Yamaha in Stock 600s Northern Irishman Andy Reid will be joining Ian Hutchinson in the new FFX Yamaha team for 2014,... Son of double world champion Brian Reid to make racing debut 20 year old Simon Reid has inherited his famous father Brian's love of speed. Reid senior was a... Andy Reid slings it away (again) his is the moment Andy Reid's 2015 British Supersport season came to a crashing halt, losing the... Silverstone BSB: Camier and Ellison top practice Leon Camier can clinch the MCE British Superbike title this weekend at Silverstone and warmed up for... BSB Thruxton: Broken femur sidelines Ellison James Ellison is out of this weekend's Thruxton BSB round. He suffered a high-speed crash at... Rossi breaks race superbike – takes road Ducati 1198 out at Silverstone Valentino Rossi has been forced to take a fully road-legal, registered Ducati 1198 out at... Poll: Isle of Man TT v Dakar rally… Let's face it, when it comes to the heroic Isle of Man TT, or the gruelling Dakar races, you need to... Video: 2018 Supercross season bursts into life at Anaheim The 2018 Monster Energy Supercross World Championship has burst back into life after the winter... Watch: KTM & AMA champ break Pikes Peak record KTM have released a video of AMA superbike rider, Chris Fillmore tackling the Pikes Peak... Video: Loris Baz BSB Croft Crash Loris Baz's BSB qualifying crash at Croft. I only got half the crash when I heard a lady go... Video: Indian at Bonneville Speed Week 50 years ago Burt Munro set an under 1000cc class record of 183.59mph on his Indian Scout... Video: Rossi rescued after Ducati 1198 breaks down Nine times world champion Valentino Rossi looks embarrassed as Silverstone staff rescue him and his... Video: An engineer built a motorcycle from a car...in the desert Picture this: You're driving through the Moroccan desert in your car when it strikes a rock and... Dakar: Biker breaks leg in collision with former winner Peterhansel's car Slovenian Dakar Rally racer Simon Marcic has been left with a broken leg after a collision between... Supercross: Dungey takes control as crash ends Roczen's title hopes Ryan Dungey has taken command of the 2017 AMA Supercross series by taking the win on Saturday... Share this article ... Advertisement


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Duchess of Cambridge pregnant: Did the Queen just REVEAL the gender of new royal baby?
Earlier today the Queen opened the new Queensferry Crossing in Scotland wearing head-to-toe blue.
She dazzled in a coordinated ensemble as she admired the UK's tallest bridge which spans over the Forth.
The monarch's appearance came as it was announced the Duchess of Cambridge is pregnant with Her Majesty's fourth great-grandchild.
While the gender of the baby has not yet been announced, the 91-year-old seems to have given a very public hint that she would like it to be a boy.
The Queen chose a matching hat and coat in the same shade of baby blue.
She tied the outfit together with black shoes, handbag and gloves.
To soften the look, she sported floral detailing on her hat, as well as a silver brooch and trademark pearls.
Her colourful outfit outshone that of Nicola Sturgeon.
The First Minister of Scotland played it safe in monochrome.
Her Majesty was accompanied to the bridge opening with her husband Prince Philip.
The royal family is said to be delighted with the news that the Duke and Duchess of Cambridge are expecting a new sibling for Prince George and Princess Charlotte.
A palace statement read: "Their royal Highnesses The Duke and Duchess of Cambridge are very pleased to announce that The Duchess of Cambridge is expecting their third child.
"The Queen and members of both families are delighted with the news."
Whether or not blue really does mean a boy, the monarch is certainly a fan of a statement shade.
In July she wore yellow to open the new headquarters of the Metropolitan Police.
Earlier that same month she chose a deep purple to welcome the King and Queen of Spain on a State visit.
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Riding after 60: Cycling Tips 10
As athletes and cyclist, its important to learn how you feel at different levels of exercise. You may hear professional cyclist talk about "sensations" to describe how they feel after a stage or a one day race.
Although, we train with power or heart rate or both its important to get a sense of what your actually feeling when at different levels of training and or racing.
When you are in tune with these feelings or sensations, you can get a better handle on how your training is going in terms of training too hard, not enough or just the wrong way. You can also tell if you are coming down with something or if there has been too much stress in your life.
In any case, you will get an idea that something has to change or be looked into more seriously.
If you have been off the bike for a while or even if you would like to start cycling for exercise and your now a "senior citizen", you might want to perform these 6 functional fitness assessments that you can do at home. These are recommended by the fitness expert Dean Anderson.
Now, these self test are not a substitute for a thorough medical evaluation and clearance for exercise. Make sure you check with your doctor to make sure your ok to start any kind of exercise program.
These six test are age-related performance comparisons and have been adapted from the "Senior fitness Test Manual", @1999 R.E. Rikli and C.J. Jones.
These test measure functional fitness: strength, power, agility, endurance, balance, and flexibility. Research has demonstrated that a senior's performance on these assessments is a reliable indicator of his or her risk for having or developing functional limitations that will negatively affect quality of life.
If your scores fall in the "High Risk Zone" or below the average (see table below), starting a program of regular exercise can aid in reducing your risk.
Arm Curls: The purpose of this test is to assess upper body strength needed to perform regular household chores and other daily activities involving lifting and carrying things like groceries and grandchildren, opening containers, and more. Description: Complete as many one-arm biceps curls as you can in 30 seconds, holding a hand weight of five pounds (if you're a woman), or 8 pounds (if you're a man).
High Risk Zone: Completing less than 11 curls in 30 seconds with good form
30-Second Chair Stands: The purpose of this test is to assess lower body strength required for daily activities such as walking, climbing stairs, getting in and out of chairs, cars, and the bathtub, and maintaining balance. Description: Sit in a standard chair with a firm seat (such as a dining chair), with arms folded across chest and hands on opposite shoulders. Stand up and sit down as many times as possible in 30 seconds, without using hands for support.
High Risk Zone: Less than 8 unassisted stands in 30 seconds
2-Minute Step Test: The purpose of this test is to assess aerobic endurance, which is important for walking, stair climbing, and performing many daily activities for an extended period of time. Description: Stand facing a wall, and put a pencil mark or piece of tape on the wall at a height that is halfway between the top of your knee and the top of your hipbone. Begin stepping in place, raising each knee up as high as the wall marker each time. Step for two minutes, and record the number of full steps taken, counting both right and left legs together as one step.
High Risk Zone: Less than 65 full steps in 2 minutes
Chair Sit and Reach Test: The purpose of this test is to assess lower body flexibility, which is important for proper walking gait, balance, and other common movements such as getting in and out of cars. Description: Sit with buttocks on front edge of firm chair. Extend one leg straight in front of you, with heel resting on floor. Bend forward at waist, keeping arms straight, reaching hands towards toes. Stretch forward as far as possible without pain. Have a partner measure the distance (in inches) between the tips of your fingers and the tips of your toes.
High Risk Zone: Women with two inches or more between fingers and toes and men with four inches of distance or more
Back Scratch: The purpose of this test is to assess shoulder flexibility, which is important for movements such as brushing hair, putting on clothes over the head, putting on a car seat belt and more. Description: With one hand, reach behind your back and slide hand up towards opposite shoulder as far as possible. With opposite hand, reach back over same shoulder and try to come as close as you can to touching the tip of other hand. Have a partner measure the distance between your hands.
High Risk Zone: Women with two inches or more between hands and men with four inches of distance or more
8-Foot Up and Go Test: The purpose of this test is to assess agility and dynamic balance, which is important for tasks requiring quick maneuvering, such as getting off a bus, or getting up from a chair to answer the phone, etc. Description: Measure out a distance of 8 feet from the edge of a chair, and put a marker there. Sit in the chair, and time yourself as you stand up, walk to the marker and back, and sit back down.
High Risk Zone: More than 9 seconds to complete this test.
If you're scores are in the high risk zone (listed above) or below the averages listed in the chart, it will be very important to do some exercises designed to help you improve the functional abilities associated with that task. And even if your scores are above average now, a regular exercise program (cardio, strength, balance and flexibility training) is the best way to keep them there as you get older.


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by Carolyn
I'm a huge fan of Dr. Amit Sood's approach to stress reduction. Author of Stress Free Living and Chair of Integrative Medicine at Mayo Clinics, Dr. Sood made a video explalining the fundamentals of inner strength.
In this short video, Increase Your Inner Strength, Dr. Sood gives an overview of how we need challenge and pressure, but not too much. Inner strength comes from a practice of resiliency.
Our ability to manage stess comes from a) our genes, b) our life situations and from c) choices we make. We can't do much about our genes or life situations, but we do have control over our choices. If you're interested in personal resiliency, I recommend this three minute video for it's how resiliency fits into the big picture.
Dr. Amit Sood is a professor of medicine at Mayo Clinic College of Medicine. He is also the director of research in the Complementary and Integrative Medicine Program, chair of the Mind-Body Medicine Initiative, and chair of the Student Life and Wellness Committee at Mayo Clinic in Rochester, MN.
For a basic and powerful mind-body check-in, try this breathing exercise on Akimboo.com
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Long Beach Twp - Town vs. County Stats
Avg Price in Long Beach Twp: $1,346,700/Co. / County Avg $549,800
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On an average, most people relocate every five years. This article describes the top reasons why thousands of people relocate every day.
Top Reasons Why People Move
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How to Move Small Loads
Each household item requires different types of packaging. This guide will help you to pack and transport heavy items.
How to Pack Heavy Items
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Chemistry - A European Journal
© WILEY-VCH Verlag GmbH & Co. KGaA, Weinheim
Editor: Haymo Ross, Deputy Editors: Anne Deveson, Elisabeth Roedern
Impact Factor: 5.317
ISI Journal Citation Reports © Ranking: 2016: 31/166 (Chemistry Multidisciplinary)
Online ISSN: 1521-3765
Associated Title(s): Angewandte Chemie International Edition, Chemistry – An Asian Journal, ChemistryOpen, ChemistrySelect, ChemBioChem, ChemCatChem, ChemElectroChem, ChemMedChem, ChemPhotoChem, ChemPhysChem, ChemPlusChem, ChemSusChem, European Journal of Inorganic Chemistry, European Journal of Organic Chemistry
Cover Picture
The cover picture shows the computed valence electronic structure of the (100) plane of face-centered-cubic metallic lithium in terms of the electron localization function (ELF). Electron localization increases from blue to green to yellow to orange. The geometries of some selected Li clusters are also depicted; counterclockwise from the top these are Li6 (D3h), Li6 (D4h), Li8 (Cs), and Li8 (Td). The evolution of the electronic structure and multicenter bonding of elemental lithium ranging from only a few atoms all the way to the bulk metal and corresponding surfaces is analyzed in detail by R. Rousseau and D. Marx on p. 2982 ff.


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Are you winding down for the holidays yet? This is the time of year when you can probably set aside some time to do a few of the things you don't have time for in your busy daily schedule.
Your LinkedIn profile, for instance. Certainly, you can pinpoint a couple of things that could be improved upon if only you sat down and spent a little time doing it.
So, pour yourself a glass of mulled wine, put on some relaxing, seasonal music and sit yourself down with your laptop in front of the fireplace. Everything but the laptop is optional, sadly.
These are our top housekeeping tasks you should do before the end of the year:
1) Missed opportunities?
Go through your LinkedIn inbox and make sure you haven't missed any important messages from (potential) business contacts. If so, now is a good time to respond.
2) Salvage your notes and tags
LinkedIn is removing notes and tags from LinkedIn profiles and if you're currently using this feature, you should save them elsewhere.
You can either go through your contacts manually or bulk download everything to your computer.
3) Set up Saved Searches for the new year
Saved Searches can be an important part of your LinkedIn routine. For instance, you may want to set up a saved search that automatically notifies you of new jobs or business opportunities within your line of business, on a weekly basis.
To access the Saved Searches feature, do a search like you normally would and then click "Save Search" in the top right-hand corner of the page. To access already saved searches, click the little gear icon next to "Save search".
4) Upgrade your profile picture
Your profile picture is the first thing people see when they come across your profile on LinkedIn. Make sure you make a great first impression by displaying a professional and pleasant photograph of yourself.
You can find plenty of photography tips (lighting, angle, composition etc.) on the web, and if you put the effort in, you can achieve great results at home. Or you could hire a professional photographer to get the job done with the best possible results.


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Home >> Samples >> How to make a detailed essay plan
How to make a detailed essay plan
In James Joyce's short story "Araby ? he describes his childhood growing up on North Richmond Street. The central idea of the story is his strange obsession for one of make plan his friend's sister and his task at hand to fulfill a promise he made to student her, hoping to win her over. The promise that is made is that he will bring Mangan's sister a present from Araby, a bazaar. A Detailed Essay? The young boy faces many conflicts throughout the story such as pleasing his secret obsession, making it to the bazaar, and mainly proving himself ready for the adult world.
The narrator describes how he used see Mangan's sister when she called him in for the night. One day she approaches him and asks if he is going to the life student the bazaar, she cannot go because she has retreat that night with her convent school. He tells her that if he goes he will bring her something back. This torments the essay, young boy all night as he thinks of the of a, possibilities that could happen with a successful trip to Araby. He is granted permission from make essay, his aunt and uncle, however; his uncle comes home late on the day of the bazaar making it hard for the boy to get to Araby before it closed. When he finally arrives he discovers it is to words to use on ap late to make essay plan buy anything. The narrator feels extremely angry, and frustrated at his uncle and other things which are out of his control. Realizing he is in our daily still to young to pursue Mangan's sister into the adult world he returns home.
Araby represents the young boy's freedom, independence, and introduction into the real world. The narrator believes upon arrival to make a detailed plan Araby will mean he has earned his right into adulthood, but he is painfully disappointed by how to write bibliography, his late arrival and his treatment while there. The external appearance of not being able to keep his promise to Mangan's sister is overshadowed by his internal rejection into his new sought freedom. Much like his obsession for make plan Mangan's sister for which he c
Minister's Black Veil
Sin, everyone has it and those who say they do not have it probably have more of it. It is not uncommon to experience it during your lifetime. But where sin becomes a huge encumbrance is when it is secret sin that is hidden from the how to make world but it eats at you day after day. And even though it burns inside you, you are too ill at ease to share it with someone else to try and alleviate the how to write pain. You just put a "veil ? over make a detailed essay the pain/guilt and try to do you hope to gain internship essay continue living your life as though nothing has happened.
This is the case for make a detailed plan, Mr. Hooper in life essay, Nathaniel Hawthorne's short story, "The Minister's Black Veil. ? But the reverend takes this act of hiding sins to a literal level. One Sunday he shows up for church with a black veil draped around his head. Coincidentally or not, it happened to be the Sunday the make he was going to preaching on "secret sin, and internet daily life essay those sad mysteries we hide from our nearest and dearest ? (373). There is a slight chance he starts wearing the veil to how to make a detailed plan prove a point that everyone has sin they are hiding and that if they saw the veils everyone wore, they would act different. Why Animal Essay? However, I believe that he really does have enormous sin that he is trying to hide. What kind of secret sin is it though? I think the reason is hinted to in the a detailed footnote in the beginning of the story. But whatever the actual reason is, the veil still has the same affect on the parishioners. They are completely terrified by the minister now that he wears a simple black veil covering his eyes and nose. On the plus side though, his sermons are now more intense and soul rattling.
First of all, I think the secret sin the write a essay bibliography veil represents is almost a riddle. How To A Detailed Essay Plan? In the footnote, Hawthorne makes a reference to another clergyman who also wore a black veil but duly notes that it was for a different reason. The reason he wore it was because "he had accidentally killed a belo
My Personal Mission Statement
Coming into my sophomore year of college at Savannah State University it has help me come up with my mission statement. My mission statement goes like this, Opportunities don't happen you create them. I will continue to live by this, because it always motivates me to push myself to strive for how to a detailed plan, greatness. This kept me motivated last year and why animal it will continue to motivate for years to come. It lets me know that I have to go out and work for everything that I want, or else I won't get it.
While reading about Richard R Wright it made me think about how to a detailed essay plan some of the situations I've gone through in internet daily life essay my life and there were a few similarities. Richard R Wright never waited for things to come to essay, him, he would always make take the student essay first steps to get what he wanted. He never waited for things to just happen on their own, because if you do that they may never get done. After I read about make a detailed essay plan Richard R Wright great accomplishments and write bibliography reading about National Freedom day and understanding the meaning it help me come up with my mission statement.
My mission statement talks about the meaning of National Freedom day, National Freedom day is a day to celebrate the work of our previous ancestors who had died just so that we would be able to have the freedom we have to do. This is related to my mission statement because our ancestors never waited for anyone to give them anything. They had to a detailed, go out and work for what do you to gain internship, everything they got and how to a detailed essay the things we have today. My mission statement relates to Richard R Wright because he worked for critical analysis for emily, everything he got because he knew if he wanted something he had work hard to get it.
National Freedom day was created by Richard R Wright to be celebrated on February 1, this is the first official day African Americans were emancipated. So many peopled worked hard to make sure that their children and how to essay their children's kids wouldn't be enslaved anymore. Many people didn't believe that this day would finally come, but they kept figh


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"… We pride ourselves on delivering high value legal services. Excellence is our Minimum Standard."
How Gulf markets stand out in the frontier class
One of the key themes of recent months in world investment has been the surprising retreat of emerging markets in the face of the repatriation of international liquidity, and the relative out performance of the frontier class of generally lesser-developed nations.
Until the aggravated situation arose in Ukraine relegating tensions in the Middle East in the table of global risks, both that country and others such as Argentina and Kazakhstan had been rather sheltered from the rush of knee-jerk investor reactions.
Now there are signs that these and similarly classified countries will come under increased scrutiny ? their underlying economic fundamentals inspected ? and that funds flows will become more discriminating between stronger and weaker names, in key variables like foreign reserves cover and debt ratios. Indeed, much attention has been paid to exchange-rate susceptibility already.
They have not been dismissed, however, as merely marginal plays in the investable universe. Indeed, given the hunger for yield that will persist as long as key interest rates remain at rock-bottom levels, those considered to be the healthier frontier markets may continue to be favoured, perhaps even benefiting from rotation within the class itself.
via How Gulf markets stand out in the frontier class | GulfNews.com.


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Galaxy NGC 5228 Galaxy in Canes Venatici Constellation
Size: 1' x 54'' Magnitude: 13.3 60.0000 Also known as CGCG 190-26, MCG 6-30-43, PGC 47837, UGC 8556
Telescope Simulator
Check how Galaxy NGC 5228 would look like through your camera, eyepiece or binoculars.
This tool was designed to check framing, not visual magnitude. Objects will look dimmer on your eyepiece and binoculars.
Hourly Elevation Jan 16
Galaxy NGC 5228 as seen from Lat. 39.0, Lon. -77.5
Maximum Elevation º at hrs.
Rise: hrs. Set: hrs.
Monthly Elevation
Best period for observing Galaxy NGC 5228 at hours
Data Sheet
13h 34m 35s13.57641697
34º 46' 40''34.7777786
354 M light years
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We drove into Bowen and headed down to the beach to hopefully find a motel for the night as we were just passing through on our way to Cairns. You see the car park first with a sign Whitsunday Sands Resort. I proceeded to office,...More
"Room 401 looked out over the boutique bay and rock formations. Went to sleep to the sound of the waves."


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Jerry Jones thinks Josh Brent can bring new perspective to game
The NFL still hasn't reinstated Josh Brent, but it's clear Cowboys owner Jerry Jones still believes in him.
Cowboys owner Jerry Jones is on record saying that if the NFL reinstates Josh Brent -- who served six months in jail after he was found guilty of intoxication manslaughter -- the franchise will find a roster spot for him.
On his radio show, via the Fort Worth Star Telegram, Jones expanded on why he still believes in Brent and why his prison time ultimately will help him.
"When you, on Monday, are given a roll of toilet paper, and it's got to last you until next Monday, that's a lesson of discipline," Jones said. "That's a lesson of life. That's what happened to Josh. When you have someone next door to you that grabs your plate of food and you weigh 340 pounds, but you don't mess with him. He just looks at you, because you know that guy doesn't care if you live or die, that's a life experience. I think there's a chance that Josh Brent may come out here and have a perspective that none of us have seen before, especially from Josh."
Brent hasn't played a game since 2012, and it's unclear if he still has the talent to play in the NFL. But despite the fact Brent's car accident killed Dallas teammate Jerry Brown, the Cowboys organization -- and Brown's mother -- have been supportive of Brent and the continuation of his career.
Jones then invoked the name of Chad Hennings when talking about Brent.
"I do know that when someone goes through life-changing experiences, that's what we like to think football does for young men, but [Brent has] had that experience," Jones said. "He's had that experience. He deserved that and some people think he deserved more, but the point is he has been through some eye-opening days. We could really benefit from that as a football team.
"In a totally and completely different way, and I'm going to make sure everybody understands it is a completely different way, if you understand what I'm saying, Chad Hennings joined the Dallas Cowboys and he had actually flown in Desert Storm single-pilot jets. Had actually had a crash in single-pilot jets. Chad Hennings had developed a discipline and developed a work ethic that made him a man among boys, and he was a major contributor technically [and] physically, but boy, was he a contributor being an example of work ethic and an appreciation for the job you've got. It's a shame that all athletes to some degree can't have some of these life experiences and really have an appreciation for what a great opportunity it is to play in the National Football League. But Josh has had that, I think."
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Q4 2016 Estacio Participacoes SA Earnings Call
Mar 16, 2017 (Thomson StreetEvents) -- Edited Transcript of Estacio Participacoes SA earnings conference call or presentation Thursday, March 16, 2017 at 2:00:00pm GMT
TEXT version of Transcript
Corporate Participants
* Pedro Thompson
Estacio Participacoes SA - CEO & Investor Relations Officer
* Flavia Oliveira
Estacio Participacoes SA - Head of IR
* Leonardo Moretzsohn
Estacio Participacoes SA - CFO
Conference Call Participants
* Bruno Giardino
Santander - Analyst
Operator [1]
Good morning, ladies and gentlemen. Thank you for standing by and welcome to Estacio's Conference Call to discuss the Fourth Quarter of 2016 Results. This event is also being broadcast simultaneously on the Internet via webcast, which can be accessed on the Company's IR website www.estacioparticipacoes.com.br/ir and Engage-X platform, together with the respective presentation and the earnings release.
We would like to inform you that during the Company's presentation, all participants will only be able to listen to the call. We will then begin the Q&A session when further instructions will be given. (Operator Instructions) This conference call contains forward-looking statements that are subject to risks and uncertainties that could cause the Company's actual results to differ materially from those in the forward-looking statements. Such statements speak only as of the date they are made and the Company is under no obligation to update them in light of new information. I will now turn the conference over to Mr. Pedro Thompson, CEO and Investor Relations Officer. Please Mr. Thompson, you may proceed.
Pedro Thompson, Estacio Participacoes SA - CEO & Investor Relations Officer [2]
Thank you and good morning, everyone. Welcome to our conference call to discuss our results for the fourth quarter and full year of 2016. With me here today are Leonardo Moretzsohn, our CFO and Flavia Oliveira, our Head of IR. Just to remind you all, there will be a Q&A session as soon as the presentation is over.
Let us go straight to Slide 2, which shows the agenda of our presentation. We will be talking about the following points, quarterly highlights where we present the priorities of this new management and the results highlights. Second, operating performance, which deals with the students base and the increase in the average tickets, thanks to the various recovery initiatives, which were [used] during the present quarter. Third, financial performance, showing more consistent indicators as the implementation of new policies. And finally the final remarks, where we highlights some of the new strategies and guidelines for 2017.
Moving to slide 3 where I will talk a little about this new management's priorities. 2016 was a period of change, which began with the election of the Board of Directors in April. The entry of new independent members and the election of the new Chairman of the Board of Directors provided Estacio's Management with a more accurate view on governance. From the beginning it became clear, the need to review our strategies, policies, internal practices, mainly because of the economic downturn and regulatory restrictions experienced by the Company. Therefore, we began with the replacement of a - the revamp of the entire Board of Executives officers and some of the main corporate managers.
I was elected as CEO at the end of September. Subsequently we hired new executives with extensive market experience into key positions and Mr. Leonardo Moretzsohn as our CFO . We are also concerned with the appreciation of our internal talent to compose the new Board of Executive officers, people who have enabled to change the internal knowledge required to recognize the strength and credibility of our Company with more than 45 years of operation. This team developed strategies to face the current challenging environment experienced by Estacio. Thus we readjusted the corporate structure with the objective of focusing in our core business. From the beginning, we understood the need to improve our operating leverage opportunities. So we restructured our business to eliminate non-priority products, even the macroeconomic crisis in Brazil and to strengthen our processes and management of our business units. In a separate way, the on-campus and distance-learning modalities. We also revised our significant accounting practices and policies, which were responsible for adjustment in the results of the second quarter of 2015. Based on the best governance practices and in order to ensure the correct comparability of information presented to the market, we have restated the comparative information for 2014, 2015, and the first quarter of 2016 and made one-off adjustment in the second quarter of 2016. With these lessons learned, the Company created a Compliance area and Internal Controls area, with together with new Governance, Risk Management area aims to ensure that the revision of policies and practices will continue and become a permanent fixture. I can say the changes were not easy but were absolutely necessary in order to realign our management and prepare the Company for sustainable growth and to be able to exploit the operational leverage of its scale.
I will now continue this quarter highlights on slide 4. We see that our net revenues came to BRL3.2 billion in 2016, 7.6% up from 2015 excluding the effects of the present value adjustment of FIES receivables in 2015. In the fourth quarter of 2016, EBITDA totaled BRL217.3 million more than the 100% up on the fourth quarter of 2015. With the following positive impacts, the first one, BRL43 million from the reversal of the provision accrued on the second quarter for some FIES receivables. Second, BRL7.2 million from the FIES discount rate as of the second half of 2016. And third, BRL46.7 million from the sale of receivables. For a fair comparison, excluding those impacts, comparable EBITDA would have come to BRL134.8 million, 30% than the fourth quarter of 2015, accompanied by a margin of 16.9% up by 3.4 percentage points. In 2016, EBITDA came to BRL652.4million, 3.1% up on 2015. Excluding the following non-recurring effects or effects that did not occur in prior periods as shown in the table, comparable EBITDA would have come to BRL691.2 million, 10.5% up on 2015, accompanied by a margin of 21.7% up 0.6 points year-on-year, virtually flats over 2015. I will now turn the floor over our IR to present with commodity sales performance of our student base and tickets. Flavis, you can go now.
Flavia Oliveira, Estacio Participacoes SA - Head of IR [3]
Good morning, everyone. I will talk about slide 5. Estacio closed 2016 with a total of 508,000 students, 2.0% more than in 2015, as it can be seen in the chart on the right side of the page. This growth is mainly due to the 3.4% increase on the on-campus undergraduate base, which was significantly influenced by 3.8 percentage points increase in the segment retention rate. We believe that with the changes in the student's accounting [policies], our base is cleaner and tends to show lower dropout rate. The 27.2% growth in our distance learning graduate base also contributed to the student base.
Our partnerships also played a key role in the segments in April. I must comment on the 2.2% reduction in our distance learning undergraduates base over fourth quarter 2015, [which came to] 106,900 students. In 2016, distance learning had three enrollment cycles only unlike the previous years when intake occurred every quarter. We thus extended the period of its two main intakes in order to reduce the operating cost of the smaller enrollment cycles. Despite the decline in the segment in student base in the fourth quarter 2016, it is worth noting that the 3.7 percentage points increase in the retention rate over the fourth quarter 2015.
Moving on to slide 6, I will talk about distance learning and on-campus average ticket. Beginning with the on-campus segment, ticket increased by 9.3% in the fourth quarter 2016 over the same period last year. Analyzing the on-campus undergraduate segment only, we see an increase of 7% in the fourth quarter in line with the inflation adjustment. The on-campus graduate segment increased by 24.3% in the fourth quarter due to the higher price for the new students and the gradual reduction of scholarships and discounts granted. Therefore, it is worth noting the deductions line, which dropped 11.5 percentage points over gross operating revenue. In fourth quarter 2016, the distance-learning average ticket increased by 24.1% over the same period last year due to the changes mainly with regard to the relationship with partner centers and the management of their performance. In 2016, we see an increase of 5.3% and 6.7% in the on-campus and distance-learning segments respectively.
I will now turn the floor over to our CFO Leonardo Moretzsohnl, who will talk about our financial performance.
Leonardo Moretzsohn, Estacio Participacoes SA - CFO [4]
Thank you Flavia. Good morning, everyone. Let's move to slide 7. I will present the net revenue figures. As you can see in the first chart, the net revenue came to BRL797 million in Q416, 8.2% up compared to the same quarter of 2015. In 2016, net operating revenue came to BRL3.2 billion, 8.6% up on 2015. In spite of the price of adjustment applied based on inflationary costs in the year, net revenue was negatively impacted by first, BRL51.3 million reduction in Pronatec revenue due to the graduation of the last students in this segment. Second, BRL17 billion reduction in other revenues mainly due to the end of Rio 2016 Olympic Games project related to training offered by Estacio to the volunteers. Third, the BRL14.3 million increase in other deductions, due to the accounting of transfers to distance-learning partners as of Q4 2015. Additionally, the 1.8% [increase] in scholarship as a percentage of gross operating revenue between 2015 and 2016 mainly due to the significant increase in monthly tuition exemption and discounts granted during the intake cycle of the first half of 2016.
Moving on to slide 8, I will talk a little bit about operating costs. The cash cost of services represented 57.1% of net operating revenues in Q4, 2016, an increase of 2.2 percentage point versus almost 55% in Q4 2015, essentially due to the personnel line switch, had three positive impacts in Q4, 2016 as follows.
First, BRL14.5 million increase in collective bargaining agreements, mainly due to the payment of retroactive amounts. Second, a non-recurring amount of BRL6.9 million referring to faculty severance due to internal restructuring and third an amount of BRL17.9 million referring to a difference of fewer vacation days granted in Q4, 2016 over Q4 2015. It's worth remembering that vacations to be granted in Q4 2016 were granted in 3Q 2016 due to the Rio 2016 Olympic Games increasing Q3 2016 results over Q4, 2016. Excluding these points highlighted on the slide, the margin in personnel costs line would have increased by approximately 2.3 percentage points in Q4 2016.
Let's jump into slide 9, we present our operating expense. Selling expenses margin increased by 15.5 percentage points in Q4, 2016. Provision for debt to our margin increased by 10.9 percentage points in Q4 of the same period in 2015 due to the reversal of BRL43 million from the provision reported in 2Q16, to comply with the obligation with the FNDE related to the specific receivables from FIES students. In the second half of 2016, we evaluated the matter with our internal and external legal advisors, deepened the study of students' academic performance and concluded that it has not breached the rules of academic performance, which was the object of the provision, and thus reversed, in Q4 2016, the amount previously accrued. In order that the net effect in the full year is null. Another factor that did [contribute to the increase in] PDA in Q4 2016 was the sales of the receivables portfolio, in the net [amount] of BRL47.1 million, of which BRL62.7 million from the sale of the customer portfolio and BRL15.7 million from the present value. It's worth noting that the sales of the receivables portfolio are thoroughly approved and should always represent a better opportunity for the Company when compared to the historical recovery of said values. Regarding marketing expenses, the end of the Olympic Games' institutional campaigns and the review of our marketing campaigns began to produce results, generating a year-on-year margin gain of 4.5 percentage point. It is worth noting that this line represented 6.7% of net revenue in 2016, of which 8% in first half of 2016 and 5.4% in second half of 2016.
In 2016, G&A expenses represented 13.8% of net operating revenue, 1 percentage point down on 2015, mainly due to one-off adjustments of Q2, 2016 in the amount of BRL28.1 million. As the result of the revision of the Company's contingency base; taking into account the nature in the market assumption. The following line also underwent one-off adjustment. First, personnel due internal restructuring as a result of the reduction on the corporate structure and staff adjustments and outside services due to the additional expenses, legal advisors involved in the ongoing M&A negotiation. It's worth noting that BRL19 million reduction in the institutional events line in 2016 due to the end of the Rio Olympic Games project, which partially offset the one-off effect I have just talked about. Moving to slide 10, we see that net income of BRL124 million reported in Q4 2016 was the result of 109.7% increase in the period EBITDA , which exceeded the increase in the depreciation and amortization line and in the negative financial results in this period. Net income fell by 16.4% in 2016 compared to 2015 essentially due to the increase in the negative financial results and the depreciation and amortization line. In 2016, the financial results of BRL86.3 million negatively impacted by the increase of approximately BRL27 million in the financial discounts line, due to the more aggressive campaign we carried out in second half of 2016 to recover credits, mainly from students who lost FIES support. It's worth noting revenue with fines and interest on monthly payments in arrears also increased by approximately BRL17 million, which did not exceed the increase in financial discounts. Moving to slide 11, we present the average receivables days. We continue to focus on improving our collection campaign and student debt renegotiation policies. The result of which have already become apparent in the performance of average non-FIES receivables days, which improved by 12 days in comparison with Q4 2015. The increase in the accounts receivable in Q4 2015 was primarily due to the upturn in FIES accounts receivable. Estacio's average receivables days came to 132 in Q416, two days lower than the same period last year, even being impacted by the delays in amending the FIES contract for the second half semester of 2016 and the consequence of the flow of transfer this quarter. As a result, FIES receivable days averaged 236 days.
On slide 12, in the first table you see the information on our capitalization and cash. Cash and cash equivalents closed 2016 at BRL404 million, conservatively invested in fixed income instruments pegged to CDI, interbank rate, government bonds and certificates of deposit with top-tier Brazilian banks. Bank debt of BRL1 billion, correspond mainly to the Company's debenture issues, second series of BRL300 million, third series of BRL187 million and fourth series of BRL100 million. The loan from the IFC, first installment of BRL48.5 million and second of around BRL20 million and the capitalization of equipment leasing expenses in compliance with Law 11638.
The BRL38.6 million reduction in the loans and financing lines over 4Q 2015 was essentially due to the settlement, in 2016, of a foreign-currency loan from Banco Itau of BRL227 million and the entire first issue of debentures of approximately BRL214 million. To compose cash spent with these operations, we issued BRL300 million in Promissory Notes in November 2016 and BRL100 million in debentures in December, which is the fourth issue, both operations carried out by Banco Itau. Including commitments for future payments related to past acquisitions, which totaled BRL125.9 million, as well as taxes payable in installments of BRL15.9 million, our gross debt came to [BRL1.16] billion at the end of 2016, resulting in net debt of BRL760.4 million.
Still on this slide, we presented our investments. In 2016, we invested BRL186.8 million, BRL118.8 million of which maintenance, mainly in the upgrading of systems, equipments, libraries and laboratories in our units. In 2016, investments accounted for nearly 5.9% of the period net revenue, mainly in our academic model and in the new IT architectural projects, which increased by 25.1% and 59.1% respectively over 2015.
On the slide 13, we present our cash flow. Operating cash flow was positive by BRL51.7 million and BRL339.7 million in Q416 and 2016 respectively. Substantial improvements over the same period last year, especially when analyzing the EBITDA to operating cash flow conversion ratio, which stood at 23.8% in Q416 versus 3.8% in Q4 2015. In 2016, this ratio was 52.1% against minus 14.4% in 2015.
Now I would turn the floor back over to our CEO Pedro Thompson for his closing remarks. Pedro?
Pedro Thompson, Estacio Participacoes SA - CEO & Investor Relations Officer [5]
Thank you. Mr. Moretzohn. Well to finish our presentation, I present our 2017 objectives on slide 14 and 15. Since we took on the challenge [we made last week], we implemented the relevant changes focusing on three great drivers of value creation. First one, maintain the organizational climate, with so many changes in such a short time. Our major concern was the maintenance of the organizational climate in order to establish a good level of productivity among the employees. Therefore, focal points have been appointed in each executive area, who's main reason is to report their needs, concerns and perception of new challenges faced by the Company. The first results could already be observed in the annual climate survey concluded in February 2017. This survey conducted by an external consulting firm, specialized in human resource projects, was answered by more than 10,000 people equivalent to an engagement of 73% of staff and employees and achieving a significant overall result of 74% level of satisfaction. Redesign one of Estacio's most important projects, enrolling new students in applied science in the first cycle of 2017. We believe that the fastest profitability is growth, we've mainly driven by the scale of its operations. Its focus falls on making significant changes to some one of the main pillars of the Company's intake strategy, including our new pricing strategy reduced the number of scholarships and discounts granted in order to simplify the management of processes should we enroll new students. Regionalization of marketing campaigns: Rationalization of marketing campaigns we exchanged our advertising strategy from a more national institutional focus to a more regional appeal using a cheaper and more efficient communication channel in each location. Resizing of the sales force, the number of sales advisors nearly tripled betting on aggressive approach with high financial returns vis-a-vis the investment on this channel. New goals and compensation systems, at the same time, we expanded our sales force.
We also restructured our goals, KPI, in order to associate them with quality, rather than just quantity, they increased its net operation revenue of (inaudible). Moving to slide 15, another major objective is to recover operating and financial results focusing on the cash generation. They need to restructure policies and practices in the financial area, aiming at greater control, also resulted in some changes in the management of the financial area itself. One of the greatest products we began implementing was the redesigning of the charging and collection processes. The work will be focused on creating a culture of timeline payments, which have significant reduction in regular and aggressive benefit grantings to the foreign students and the creation of qualities that encourage timely payment. The focus is no longer on PVA in that it's more than 180 days overdue, but on collection since the beginning of the debt exclusively, through specialized companies contracted for such purpose.
In addition, the charging processes will be more rigorous with shorter contact intervals, blacklisting and protest, using cluster strategies based on that risk profile. We also had the launch of Estacio's Installment Payments Program, students enrolling in Estacio as of the beginning of 2017 can pay their monthly tuitions through Estacio's Installment Payment program, or PAR, which allows students to pay half of the total amount of the course while studying and the other half after graduation. The payment installments will occur gradually; students can pay 30% of the tuition in the first two semesters; 40% in the third semester; 50% in the fourth semester and 60% as of fifth semester. We believe that a healthy with an interested student base willing to study is the secret for the sustainability of a post-secondary education company. For this reason, it began its plans to build student loyalty, mainly focused on reducing dropout rates. The reduction in dropout rates is a great opportunity to improve profitability, given the Company's full cost structure is better used in optimizing the returns efforts to attract students.
Before concluding our presentation, I want to show on slide 16, that our 2015 [IGC results] disclosed last week, is similarly to previous year, reaffirm the success of our teaching model. In this cycle. 98% of our courses were evaluated with positive results with grades above three, as you can see in the first chart. In the second chart, you also can see the evolution in the number of institutions with positive grades. Totally 97%, eight of our institutions were graded four on a scale of one to five with three being minimum. We are proud to say that [Unidas Feira de Santana], the largest single institution of our group is among the eight institutions graded for in the evaluation cycle. It is worth noting that institutions and courses graded for have higher priority in some math processes, leveraging potential in our plan to offer new courses in distance-learning and to increase the number of places reducing our growth restrictions with qualitative results that proved the group's educational susceptibility. The level reached in our Group is something is totally historic business model.
I would also like to emphasize that students of course is evaluated in the 2015 cycle accounts for approximately 55% of our total base, which would add significant qualitative growth in the general indicators. (inaudible), for example, reached the level of institutions graded [four] and became the second best private university in (inaudible) traditional non-profit institution. We're very happy with the results achieved, we have part of sustainable long term growth with collaboration with over 7,000 faculty members and who will continue with great diligence and [clarity]. With this [announced] results, I can affirm on behalf of staff that we are proud to be one of the educational groups, whose results offer academic quality evaluation mostly proven. I highlight our commitment as one of Brazil's largest education institutions to balance an operation on scale of more than a half a million students in order to deliver academic excellence. Therefore, I can say that started the year 2017 with energy focusing on ongoing pursuit of better peer rating, academic and financial performance. We learned a lot in 2016. And we are sure that 2017 will be a year of hard work, we can now move to Q&A session. Thank you.
Questions and Answers
Operator [1]
Ladies and gentlemen, we will now begin the Q&A session. (Operator Instructions) Bruno Giardino, Santander.
Bruno Giardino, Santander - Analyst [2]
Hello, good morning everyone. First question, could you help us to understand the movement in the provision for doubtful accounts in the quarter as when we look at our financial statements, we see that the BRL47 million from the net sale of receivables have been already written off but apparently this transaction represents a gain of a similar size in this line. so I just wanted to understand this movement if my understanding is correct.
Pedro Thompson, Estacio Participacoes SA - CEO & Investor Relations Officer [3]
Bruno, can you repeat your question please because we didn't get it?.
Bruno Giardino, Santander - Analyst [4]
Okay. We had this BRL47 million net impact from the sale of receivables in the quarter. And as far as we understand, this BRL47 million was already out of your provision for doubtful accounts and we saw this coming back to your results as a gain. Is this interpretation correct? So when we look at your PDA, we should adjust for this BRL47 million, is that alright?
Pedro Thompson, Estacio Participacoes SA - CEO & Investor Relations Officer [5]
Yes, you are right. The accounting policy was to reverse PDA of this value just to emphasize that the sale of these receivables was a trade that we made and we compare the return of the discounts of that we had in these receivables with our organic recuperation of this receivable and it was much higher. So the opportunity to sell, but your thoughts about the accounting treatment is correct.
Bruno Giardino, Santander - Analyst [6]
Okay, thanks. And a second question, if I may, in the cost line, you commented on impact of BRL50 million regarding to retroactive agreements with your faculty. I just wanted to understand, if it was already expected by you when you assumed at the Company or this was a new negotiation you had to make recently. That's it.
Leonardo Moretzsohn, Estacio Participacoes SA - CFO [7]
No, I didn't expect in those terms.
Operator [8]
(Operator Instructions) Since there seems to be no further questions, I would like to turn the floor over to Mr. Pedro Thompson for his final remarks.
Pedro Thompson, Estacio Participacoes SA - CEO & Investor Relations Officer [9]
I would like to thank you all for your taking part in our results conference call. Our Investor Relations department is always at your disposal to help you with any questions you may have. Our contact information is available in our website. We hope to see you again at our conference call next quarter. Also again thank you very much and have a great day.
Operator [10]
This concludes Estacio's conference call. You may now disconnect and have a good day.


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