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Want to Make Your Firm's M&A a Success? Prioritize IT
The financial services sector continues a transformation that began in the late 2000s, riding an accelerating wave of merger and acquisition activity that reached record highs in 2015. Those seeking to fast-track growth or cut costs see M&A deals as their best bet for achieving those objectives.
But these transactions don't come without significant IT challenges. Harvard Business Review experts estimate that 70 percent to 90 percent of all transactions fail. A study by KPMG, meanwhile, finds that 83 percent of such undertakings never deliver predicted returns on shareholder investments. Despite these figures, financial firms remain extremely active in mergers and acquisitions.
Why? A meticulously planned and executed deal between parties with the right synergies and resources can deliver tremendous returns. There's no single formula for guaranteeing payoff, but for the firms that get it right, the rewards are well worth the risks.
IT at the Table on Day 1
Firms that succeed in M&As make IT a priority. Neglected IT issues are responsible for one-third of acquisition failures, according to a study by global management consulting firm A.T. Kearney. Why are they neglected? Deal-makers don't invite CIOs to be part of the transaction process, providing them with details only after they've signed contracts.
In fact, according to public accounting firm Ernst & Young, only about half of IT managers are included in the transaction process. This is a huge mistake, as IT services delivery drives every department and function of a business. CIOs should be included in the M&A process from the first day, so they can work with other departments to understand a deal's objectives and the links between business functions and IT systems.
A 2015 report by Boston Consulting Group cites communications as the weakest link in all M&A phases. The more layers that project directives have to penetrate, the less accurate they'll be. Only when they're part of the entire transaction can CIOs get and provide feedback on IT systems, deliverables, time frame and costs, and then communicate tasks to various IT teams to carry out.
Without this big-picture understanding, CIOs can't set or manage business expectations for the IT work needed for success. Too often, transaction executives make overly optimistic cost and timeline projections, setting IT departments up to fail when they begin post-merger work.
This work includes:
Integrating people and cultures: It's difficult to ensure that employees from two different cultures will mesh. Without equal opportunity to work with key department heads, IT staff will operate in the dark about their role in integrating users across both organizations.
Unifying business processes: Though much depends on how unified the two parties will be — whether it's a full-fledged merger or a deal in which an acquired party continues to operate with some independence — an IT team has to work with other business leaders to document existing processes. They determine which processes best serve the new entity so they can unify workflows and which may need to be completely re-engineered.
Cataloguing resources: To develop a new services portfolio, IT staff will review the technology services of both organizations, determine what they'll offer the organization going forward and develop a new catalog of resources that details what's needed to deliver each service.
Dive Deeper
Considering a merger or acquisition? Download the free white paper, "How Financial Institutions Can Ease IT Transitions," to learn more about:
- building an M&A roadmap
- the challenges that IT teams face furing M&A transactions
- how the cloud fits in
You'll also receive instant access to BizTech's entire library of free technology white papers by signing up just once.


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research: in the field : Heavy weather
Scientists from New Zealand, Australia, Canada and Japan have
gathered in the South Island of New Zealand in search of bad weather. They are
part of a huge field experiment to measure how mountains influence weather and
climate. The project involves the CSIRO research aircraft, weather radar,
meteorological balloons and a network of automatic weather stations. The
three-week SALPEX (Southern Alps) experiment will conclude on 3 November. Data
collected will be used for several purposes from improving predictions of rain
and snowfall for the New Zealand hydroelectricity industry to testing computer
models of the impact of mountain systems on weather.

subset: commoncrawl


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The decision to move back was hard. Hard because Melbourne is in my opinion truly one of the best cities in the world to live in and harder because during the two years I lived in Melbourne I have been lucky enough to make some irreplaceable friends that I am very sorry to leave and I hope will be part of my life for years and years to come.
|Domain Chandon winery, Yarra Valley
|Spring Racing Carnival, Melbourne
|A windy trip down the Great Ocean Road
|Sydney Harbour Bridge
|Whitehaven beach, Hamilton Island
You get excited by the idea of doing pretty much anything purely because it's new and you won't get to do it at home.
Yes you miss home, but home will always be there and so will true friends.
It's kind of strange to think I arrived in Melbourne for the first time in February 2012 having never been bothered with the idea of even visiting Australia, and I've left in May 2014 with the hope it won't be too long before I'm back.
|Jacon's Creek winery, Barossa Valley


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Printable Planispheres
A map of the constellations for kids to label, cut out, assemble, and use as a constellation calendar.
A Flat Celestial Sphere
A globe of the world is a useful visual summary of all of the lands and seas across the surface of our world, and can be a beautiful addition to a library or a school. But globes aren't easy to fold or carry around, and they aren't useful for detailed study of nations. For some purposes, flat maps are better than globes. In the same way, a celestial sphere or constellation globe is a useful visual summary of the arrangement of everything in outer space around our world. A celestial sphere is our map of all outer space. But it isn't very practical for detailed study of constellations, or for predicting which stars will be up and which will be down at any given time. For some purposes, flat celestial maps are better than celestial globes.
What if we wanted a flat version of a celestial sphere, for some reason? What if we wanted a celestial equivalent of a flat 'world map'? One way to make a flat 'world map of stars' would be to cut the celestial sphere into two halves, the Northern Hemisphere of Stars, and the Southern Hemisphere of Stars, press both hemispheres flat, and print the two hemispheres on opposite sides of a disk. You would then have your whole celestial sphere in the shape of a flat planar double-sided disk — a planisphere—, with the North Star (effectively marking the 'North Pole of Stars') at the center on one side, and the South Celestial Pole (the 'South Pole of Stars') at the center of the other side.
Note that if we were to cut the celestial sphere in half exactly at the celestial equator, we would have to cut Orion in half at the waist, among other problems. Instead, it is usually helpful to extend both sides of the map a little into the opposite hemisphere, creating an overlap region. This is what I have done in the examples above. The Equator of Stars is not the perimeter around each star map, but the dashed line inset from the edges.
A Celestial Calendar
What if we want to make a celestial clock or calendar? What if we want to show, not just a 'world map of stars', but also which stars are actually up in our sky and which are down, and where in the sky to look for them? To do this, we have to cover one half of our celestial sphere, to hide the hemisphere of stars that are down, and we have to be able to cover different parts at different times. In other words, we need to spin the celestial sphere behind the cover, in a way that represents the tilted spinning motion of the celestial sphere in the sky above us, and thus show stars setting below the 'horizon', and emerging from behind it as they rise.
If we have a flat celestial planisphere, we could make a partial sleeve or slipcover to cover half of the disk and hide the half of the stars that are down. The top edge of the cover cutting across the disk would represent the horizon cutting off our view of the stars, and we could turn the disk to represent the spinning motion of the stars. As we spin the disk, it would show stars rising above the horizon on one side, and setting on the other.
But exactly what shape should the top of the slipcover be? If we live in northern mid-latitudes, we need to leave the center of the northern side exposed. There are stars close to the North Star, like the Guardians and the Big Dipper (depending on your exact latitude), which turn forever in counter-clockwise circles in the northern sky, never setting below the horizon. (These are the 'North Circumpolar Stars'.) Our cover for the northern hemisphere of stars needs to leave the central portion of stars exposed, no matter which way we turn the disk. On the other hand, the cover for the southern side needs to always hide the central portion of stars (the 'South Circumpolar Stars') which never rise above the southern horizon.
Thus if we draw a concave bowl-shaped curve on the northern side of our 'horizon sleeve', and then turn the wheel counterclockwise behind this cover, this will represent the daily motion of the stars in the north. The stars in the center will never be covered no matter which way we turn the disk, and the stars farther away will rise in the east, arc counterclockwise across the sky (since you are facing north), and set in the west. If we flip the disk over and draw the opposite horizon, a convex hill-shaped curve covering the center of the wheel, and turn the wheel clockwise, this will represent the daily motion of the southern hemisphere of stars. We will never get to see the stars closest to the center, because they never rise, and constellations like Scorpius and Sagittarius that are farther away from the center will rise in the east, make a low clockwise arc across the southern sky, and set in the west.
Now we have, in the 'window' above the northern horizon of the sleeve, a picture of what the northern sky looks like, and above the horizon of the southern side of the cover, we have a picture of what the southern sky looks like. The only thing that remains, if we wish to show what our sky will look like at any particular time, is to figure out which way to turn the disk to represent that particular time. For this, we need to notice where the sun is among the stars, and where the sun is above or below our horizon, and match the one to the other. We can list the months in a circle around the outside edge of our celestial hemispheres, naming where the sun is among the stars during those months, and we can list the times of day around the perimeter of the horizon cover, showing where the sun is in our sky (or rather, below our horizon) at those times. With these labels in place, all we have to do is match the date and time we desire, and then the portion of the planisphere revealed above the cover will show us what the sky looks like at that date and time.
Practical vs Educational Planispheres
A common astronomy toy sold by science education companies and available in many museum gift shops is a 'planisphere', or 'star wheel', similar to mine. These planispheres are not good for detailed study of constellations — a constellation atlas is better for that — but they are great for giving you a quick overview of the what the sky will look like tonight after sunset or tomorrow morning before sunrise. When I first started teaching astronomy many years ago, there were a number of options available, but many of them were single-sided. They were intended for viewers in the northern hemisphere, and showed only the northern hemisphere of stars (plus an overlap region, depending on latitude), and covered this disk with an oval window. These single-sided planispheres tried to represent the entire dome of the sky within one oval on the map and had several drawbacks. For one thing, trying to hold the map upside-down over your head, with the correct corner facing North, and trying to match up the drawn constellations with the real ones while your head is in this position was inconvenient. For another thing, the constellations along the outer edge of the dial, the ones near the 'southern horizon', were highly stretched and distorted. This is an unavoidable consequence of trying to draw a flat picture of a round thing, but it was especially bad in these single-sided planispheres that tried to include too many southern constellations on a northern map. As an example, compare the appearance of Scorpius and Sagittarius in reality with their appearance on an old planisphere:
However, in the last decade or so, these inferior single-sided planispheres have apparently disappeared in favor of David Chandler's Night Sky. Whenever I visit a museum gift shop or search online, this is the planisphere that I usually find. It's a double-sided planisphere, like mine, and instead of trying to show the entire sky at once, it shows the northern sky and the southern sky separately on reverse sides. Instead of awkwardly holding it straight over your head, you hold up the northern side in front of you and face north, or hold up the southern side and face south. The northern side of the double-sided planisphere is much like a single-sided planisphere with the outer edges trimmed back, and because it doesn't try to reach so far into the southern sky, the constellations near the edge are less distorted. The southern side of the double-sided planisphere gives you views of the southern sky in a far more natural, far less distorted, and far more comfortable way than the single-sided planisphere can.
If I wanted a planisphere for practical outdoor use, I would probably buy one of David Chandler's dials. But as a teacher I wanted to make a blank version that I could print out onto card stock with a computer printer, and then have students label and assemble on their own. I wanted students to become more familiar with identifying stars and using planispheres by making their own personalized planispheres. One day I stumbled across a wonderful design by Toshimi Taki and decided to make my own version of it. Toshimi Taki's original design is here, and my design is available in the downloads section.
This design, with the 'celestial sphere' and slipcover as separate pieces, may not be the best for practical outdoor use by astronomers, but I think it is wonderful for teaching purposes. The removable double-sided disk provides a nice model of the celestial sphere, and if you want to take out the star disk and doodle your own labels on it, you can. Unlike single-sided versions, this one includes all stars and constellations. (David Chandler's double-sided version does also, you just have to lift up the cover and look underneath to see the hidden ones.) The slip cover nicely models the earth, or rather the horizon of any particular latitude on earth. The time-of-year markings on the star wheel measure the passage of the sun through the stars, and the time-of-day markings on the horizon cover measure the passage of the sun around the horizon. Being able to make it yourself and to draw on it yourself can be a fun educational project. Being able to write your own time markings on the cover also means that, if you are unfortunate to live somewhere where clock time and solar time are very different, you can just shift all your time labels to whatever you need them to be. And if you move to a different city, all you have to do is replace the slipcover with one representing your new latitude.
Making the Double-Sided Paper Planisphere
In the downloads section you will find a series of designs for double-sided planispheres, for latitudes ranging from the equator to 60°. If you live in the southern hemisphere, choose the version for your numerical latitude, but reverse the north and south covers. In other words, label everything as I describe, but swap the shapes and use the bowl-shaped cover as the southern cover, and use the hill-shaped cover as the northern cover. You might also notice that the dials are identical in every version. The celestial sphere is always the same, and the only thing that changes with your latitude is the horizon cover.
In the download versions, I have included the 'celestial equator' as a dashed line, and I have included the circle of the 'ecliptic' as a faint dotted line. The celestial equator appears in the sky as a half-circle that touches the horizon at due west and due east, and tilts towards the south (if you live in the northern hemisphere), and is marked by the daily path of the sun near the equinoxes. The ecliptic you can describe variously (depending on your audience) as the line upon which the sun travels through the stars, a line marking the middle of the zodiac, or the 'planet highway' along which the sun, moon, and planets travel.
Printing the templates
Start by choosing the latitude closest to you, and printing the corresponding PDF file onto card stock. I tried to align the two celestial hemispheres within the rectangular page so that you could use the 'double-sided' option of modern printers to print them automatically on opposite sides of the same page, but I find that sometimes printers have tiny asymmetric gutters that cause the two sides to not line up well. You can try double-sided printing, but you may prefer to print the celestial hemispheres separately, and after you've labeled them, line them up back-to-back manually. The two pages containing the slipcover must be printed separately of course, because they are separate pieces.
Drawing the constellations (Northern Viewers)
It may be fun to print off several copies of the dial and have kids start by making up their own constellations, and it may be fun to consult a star atlas and try to find as many constellations as you can on the star map. (I recommend
The Stars and
Find The Constellations, by H.A. Rey, the same author who wrote Curious George.) But if your map is to be a useful sky guide, I recommend simply highlighting the brightest stars and constellations, the ones that make the useful visual landmarks in the sky. In the northern hemisphere of stars: The Big Dipper, Cassiopeia, The Summer Triangle, The Great Square of Pegasus, Capella and the Kids. Students should also familiarize themselves with the relationships between certain stars and constellations, especially the 'Pointers' in the Big Dipper, which point to the North Star. Arcturus and Spica are two stars off by themselves, with only faint surrounding constellations, and I teach my kids to identify them using the handle of the Big Dipper: "Arc to Arcturus, then speed on to Spica." The Winter Triangle and the Winter Hexagon are also important things to recognize — bright landmarks, easy to find.
The months around the edge of the dial are to indicate where the sun is during that month of the year. I have also included marks dividing each month into four weeks, for those who may want slightly more precision in their dial. For elementary students, you may wish to try ignoring the months altogether and instead label the outer rim with the four seasons, or maybe even with pictures representing the four seasons. I had all of my students label the rim with months, but the younger students were basically following instructions without understanding the reasons, which is something I try to avoid as much as possible. I have also labeled the constellations of the zodiac in the following pictures, but you may want to ignore that unless you have an advanced group of students.
Assuming you live in northern latitudes, you will never see the stars in the middle of the southern hemisphere of stars. The two most important constellations on the southern side are Sagittarius (commonly identified as a teapot) and Scorpius, which are to be found low in the Southern Sky on summer evenings. Notice that the constellations overlying the equator on the northern disk are also present near the equator on the southern disk, although the reversed distortion makes them look a little different.
Filling out the covers
The following instructions are for viewers in the northern hemisphere. If you live in the southern hemisphere, follow the same instructions, but reverse the north and south cover plates, i.e. use the concave cover plate as the south side, and the convex cover plate as the north side.
Assuming you live in the northern hemisphere, the cover plate with the dip in the middle is the one for covering over the northern stars. The concavity in the middle reveals the stars in the center of the wheel: the North Star which is directly in the middle of the wheel and all of the 'circumpolar stars' around it that spin forever above the horizon in the North. When you are facing north, west will be on your left, and east on your right, so the horizon should be labeled that way: W, N, E. The precise points for West and East are marked by the dashed circle (i.e. where the celestial equator intersects the horizon).
The times are marked according to where the sun is relative to the horizon at that time. Sunrise corresponds to the right side of the horizon (east), noon to the top (high above the horizon), sunset to the left side (west), and midnight to the bottom (below the horizon). For an elementary version of this, you could try just ignoring the tick marks and write in 'morning', etc.
If you live in the northern hemisphere, the southern cover is the convex one, the one with the hump. The hump permanently covers the stars near the center of the star disk, just as the real southern horizon permanently covers stars near the south celestial pole. As you look south, east is on your left and west on your right, so the horizon hump needs to be labeled that way: E, S, W.
As with the northern cover, the time markings are to indicate where the sun is at that time. In this case, morning is on the left (east), and evening is on the right (west), which is the reverse of the northern cover.
Assembling the pieces
Once the pieces are labeled, you will need to cut them out and tape or glue the opposites together. If you have put a lot of effort into your planisphere and you wish to laminate it in one way or another, remember that the disk needs to fit within the assembled sleeve, and you need to be able to see through the windows in the sleeve. When you tape or glue your two star disks back-to-back, it isn't absolutely necessary to rotate them to match up the edges with each other, but it is better if you do. If the front and back halves are properly matched to each other, then once you set your planisphere to a certain date and time on one side, it will automatically be set for the same time on the other side, and you won't have to change anything to switch from viewing northern stars to southern stars. To align the two disks properly back-to-back, look for Orion, the Summer Triangle, and all of the months — everything around the edges, in fact — and spin one side until everything matches up with itself on the reverse side.
To create the horizon sleeve, cut out both pieces, remove the windows with a scissors and/or a hole punch and/or a hobby knife, and tape the two covers back-to-back. Bear in mind that the outer rim of months on the star disk needs to coincide with the calendar windows in the sleeve. I laminated the two halves of the sleeve separately, then cut them out and joined them by wrapping the outer rim — the margin between the outside edge and the window — with pieces of scotch tape, and this worked very nicely. The tape prevented the edges of the disk from slipping too far inside the sleeve and held the disk very nicely in exactly the proper place within the sleeve. You could also try gluing the two halves together–just keep all of the glue along the outermost rim, outside the radius of the windows.
Once the disk and the sleeve are prepared, all you have to do it slide the star wheel into the sleeve. Remember, however, that both pieces have a north and south side, and that it is possible to put the disk in backwards. The northern side of the star map — the one with the Big Dipper, Cassiopeia, and Polaris — needs to go behind the northern side of the horizon. The southern side of the star map — the one with Scorpius, Sagittarius, and a bunch of unfamiliar stars in the center — needs to go behind the southern side of the horizon.
Using the planisphere
Spinning the star disk within the horizon sleeve represents the spinning of the celestial sphere around us, apparent to us as the circling of stars through the sky. To make the planisphere represent the sky at a specific date and time, turn it until the desired month on the wheel lines up with the desired time of day on the cover, at which point it will show the arrangement of stars in the sky at that time. All of the stars above the northern horizon at that month and time will be above the "N" on the cover plate, all of the stars above the eastern horizon will be above the "E"s on the cover plate, and so on. For viewers in mid-northern latitudes, the stars directly overhead will be roughly in the center of the exposed window of the northern cover. When trying to match up constellations on the dial with constellations in the sky, bear in mind that the dial is small and the sky is huge. Pictures and distances on the planisphere can appear deceptively small, and you may have to turn sideways or bend backwards surprisingly far to find what you are looking for.
A Few Random Practice Questions:
- What does the sky look like right now?
- What will it look like after sunset tonight?
- What will it look like before sunrise tomorrow morning?
- If you want to see Orion high in the south in the evenings, you will have to wait until which month?
- In March, at what time will Cassiopeia be to the left of the North Star, and the Big Dipper to the right?
- In March, at what time will the Big Dipper be to the left of the North Star, and Cassiopeia to the right?
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A Keylogger is a program that when running records keystrokes. The Keylogger download below contains a Keylogger that is easy to use. WARNING using this software on other people without permission is illegal WARNING. W If you were to use the program to steal information and such the program will still urn after you press the close button on the window, it will only stop once it is stopped by the Task Manager. You can set this program to run on startup so that you don't have to configure it every time.
Keylogger Download - Windows
When prompted for password just hit ENTER


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GFAD?!?Monday, June 16th, 2008
A colleague recently told me to 'G-F-A-D'…huh?!? I know I heard this one before, but managed to forget it. Luckily there is Urban Dictionary.com…indeed, GFAD means Go Fuck A Duck!
Hehe, I normally use FADATTF…Fuck A Duck And Try To Fly! 😉 (unknown in the Urban Dictionary btw.)
Oh, my colleague was just joking, so he survived…;)


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Since my juice cleanse in January, a lot has happened. My husband bought me a masticating juicer, and we've been experimenting with all kinds of fruits and veggies and nuts and what not. Truth be told, it's more me than him. I do a cleanse once a month (to hit the reset button on my body), and I'm a huge fan of ginger shots.
Well, hubby decided that he wanted to do a cleanse for a day, so I put together three of my favorite basic recipes.


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Now Available – Attracted to Her from Ellora's Cave
Now Available!
Ellora's Cave | Nook | Kobo | ARe | Apple iTunes
Amazon Kindle: US | AU | UK | CA | IT | DE | FR | BR | ES | MX | JP | IN
Millionaire sex-toy creator Aniston is on a mission. She's going to crack the icy exterior of her best customer's assistant Madilyn and melt her heart, if it's the last thing she does. Her tempting strategy includes her glass chateau in the Colorado Rockies, a bit of bondage, toys she's whipped up especially for Madilyn and lots of erotic pleasure.
Relationship-shy Madilyn has kept her intense attraction to Aniston hidden behind her cool exterior. After a disastrous breakup with her first—and only—girlfriend, she's not interested in risking her heart again, no matter how sexy the other woman is.
When she discovers Aniston skinny-dipping in her luxurious swimming pool, Madilyn is faced with a decision—to jump into a relationship all the way, or leave without knowing if the sizzling chemistry between them could lead to much more.
Inside scoop: These passionate women experiment with many sensual treats, including a little light bondage.
Author Note: Madilyn also appears in "Attracted to Him"
jan, nursing a cold ugh!


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Summer is just around the corner. It brings with it the smell of saltwater, or chlorine, the sound of flip-flops hitting the floor, and the taste of your summer favorites like an ice-cold popsicle or a slice of ripe watermelon. To be honest, summer usually sneaks up on me as a busy school year comes to an end. And just as quickly as it comes, it's over in the blink of an eye.
So, to preserve the summer and try to make the most of it, I've been creating a list of things I MUST do before the leaves start to turn and fall arrives. What's on my list? Pool parties? Camping? A cruise? Amusement park? After reviewing my list, I began to feel unsettled.
The truth is I'd rather spend time on our patio or in my garden than go for a swim at a crowded pool where a thin layer of sunscreen is likely floating on the surface. I'd choose a walk on the beach at sunrise over a pricey cruise. And rollercoasters at an amusement park? I'd pick a seat on the sofa next to my hubby that doesn't require a seatbelt.
The problem with my list? I'd fallen into the trap of thinking I need to be like everyone else. My list became more about the things I see everyone else doing than about the things that make me happy. Sure, I know some of you may choose the second option too, but in the moment it feels like everyone else is more fun and exciting than me.
Rather than continuing to create a list that's more fitting for someone else, I had to give myself permission to be exactly who God made me to be.
Sure, the items on my list seem like small choices, but if I don't honor who God made me to be in the little things, then how will I respond to the bigger ones? In my friendships. With my husband. With my son. At work. How I spend my money. Where I serve.
It's easy for us to wrestle with ourselves trying so hard to be something or someone else. We try to fulfill an endless list of qualities and capabilities that we think will make us feel better, loved, or happy. It's exhausting and before I know it, I'm like a beach ball being tossed about in the crowded pool…ultimately being hit over the fence and landing far away from the once still water.
It was a gift to look back at my list and admit that it wasn't MY list, despite how much I wanted it to be. I'm empathetic and persistent, a hugger and I definitely have type A personality. I like stories and good food and need quiet time to recharge. After all, I am exactly who He created me to be.
I was reminded of this simple yet powerful verse in Job 37:5-6:
God's voice thunders in marvelous ways; he does great things beyond our understanding. He says to the snow, 'Fall on the earth,' and to the rain shower, 'Be a mighty downpour.'
Essentially, God tells the snow to do it's job…simply fall to the earth. He wants the rain to not just fall, but to be a mighty downpour. He wants the same from us — to be exactly what He made us to be. To do mighty things with the qualities He gave us.
So I leave you with this: What is God asking you do to? What is the thing God created you to be?
When you tap into His plan for your life you will find peace and comfort.
So, on this sunny afternoon as I write this, I'm at one of my favorite spots – our living room. I'm snuggled next to my husband. I have my laptop and sitting beside me is an ice-cold sparkling water (I gave up soda so it's just water these days). The guys are laughing out loud as they watch one of their favorite TV shows. And, me, well I'm perfectly happy, because this is definitely better than a rollercoaster.


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Superhuman Trivia
Why were Clark Kent's glasses so thick? (Hint: He wasn't nearsighted.) And who is Gorilla Grodd? The DC Comics Superheroes and Villains: Fandex Deluxe reveals secrets of 75 cartoon personalities, famous and obscure.
The colorful reference cards are hinged at the bottom, so you won't lose a single hero or evildoer.


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|Top companies of the Philippines
|Top banks in Indonesia
|Top banks in Taiwan
|Top banks in South Africa
|Top banks in Hong Kong
|Top companies of Nigeria
|Top companies of Afghanistan
|Top banks in Japan
|Top banks in India
|Top banks in Bangladesh
|London, United Kingdom
|Area served
|Key people
|John W. Peace
(Chairman of the Board)
Peter A. Sands
|Financial Services
|▲ £12.926 billion (2009)[1]
|Operating income
|▲ £5.151 billion (2009)[1]
|Net income
|▲ £3.279 billion (2009)[1]
|Total assets
|▲ £435.068 billion (2009)
|Total equity
|▲ £23.447 billion (2009)
|73,800 (2008)
|StandardChartered.com or SC.com
Standard Chartered Bank (LSE: STAN, SEHK: 2888,OTCBB: SCBFF) is a British bank headquartered in London with operations in more than seventy countries. It operates a network of over 1,700 branches and outlets (including subsidiaries, associates and joint ventures) and employs 73,000 people.
Despite its British base, it has few customers in the United Kingdom and 90% of its profits come from Asia, Africa, and the Middle East. Because the bank's history is entwined with the development of the British Empire, its operations lie predominantly in former British colonies, though over the past two decades it has expanded into countries that have historically had little British influence. It aims to provide a safe regulatory bridge between these developing economies.
It now focuses on consumer, corporate, and institutional banking, and on the provision of treasury services—areas in which the Group had particular strength and expertise.
Standard Chartered is listed on the London Stock Exchange and the Hong Kong Stock Exchange and is a constituent of the FTSE 100 Index. Its largest shareholder is Temasek Holdings.[2].
The name Standard Chartered comes from the two original banks from which it was founded and which merged in 1969 — The Chartered Bank of India, Australia and China, and The Standard Bank of British South Africa.[3]
The Chartered Bank was founded by Scotsman James Wilson following the grant of a Royal Charter by Queen Victoria in 1853,[3] while The Standard Bank was founded in the Cape Province of South Africa in 1862 by another Scotsman John Paterson.[3] Both companies were keen to capitalise on the huge expansion of trade and to earn the handsome profits to be made from financing the movement of goods from Europe to the East and to Africa.
In those early years, both banks prospered. Standard Chartered Bank has a major branch in Kolkata.[4] Chartered opened its first branches in Bombay, Kolkata and Shanghai in 1858, followed by Hong Kong and Singapore in 1859.[3] With the opening of the Suez Canal in 1869 and the extension of the telegraph to China in 1871, Chartered was well placed to expand and develop its business.[3]
In South Africa, Standard, having established a considerable number of branches, was prominent in financing the development of the diamond fields of Kimberley from 1867 and later extended its network further north to the new town of Johannesburg when gold was discovered there in 1885.[3] Half the output of the second largest gold field in the world passed through The Standard Bank on its way to London.
Both banks – at that time still quite separate companies – survived the First World War and the Depression, but were directly affected by the wider conflict of the Second World War in terms of loss of business and closure of branches. There were also longer term effects for both banks as countries in Asia and Africa gained their independence in the '50s and '60s.
Each had acquired other small banks along the way and spread their networks further. In 1969, the banks decided to merge,[3] and to counterbalance their existing network by expanding in Europe and the United States, while continuing their expansion in their traditional markets in Asia and Africa.
In 1986 Lloyds Bank of the United Kingdom made a hostile takeover bid for the Group.[5]. The bid was defeated however it spurred Standard Chartered into a period of change, including a series of divestments notably in the United States and South Africa.
In 2000, Standard Chartered acquired Grindlays Bank from ANZ Bank, increasing its presence in private banking and further expanding its operations in India and Pakistan.[6] Standard Chartered retained Grindlays' private banking operations in London and Luxembourg and the subsidiary in Jersey, all of which it integrated into its own private bank. This now serves high net worth customers in Hong Kong, Dubai, and Johannesburg under the name Standard Chartered Grindlays Offshore Financial Services. In India, Standard Chartered integrated most of Grindlays' operations, making Standard Chartered the largest foreign bank in the country.
On 15 April 2005, the bank acquired Korea First Bank, beating HSBC in the bid.[7] Since then the bank has rebranded the branches as SC First Bank.
Standard Chartered completed the integration of its Bangkok branch and Standard Chartered Nakornthon Bank in October, renaming the new entity Standard Chartered Bank (Thailand).[8] Standard Chartered also formed strategic alliances with Fleming Family & Partners to expand private wealth management in Asia and the Middle East, and acquired stakes in ACB Vietnam, Travelex, American Express Bank in Bangladesh and Bohai Bank in China.
On 9 August 2006 Standard Chartered announced that it had acquired an 81% shareholding in the Union Bank of Pakistan in a deal ultimately worth $511 million.[9] This deal represented the first acquisition by a foreign firm of a Pakistani bank and the merged bank, Standard Chartered Bank (Pakistan), is now Pakistan's sixth largest bank.
On 22 October, 2006 Standard Chartered announced that it had received tenders for more than 51 per cent of the issued share capital of Hsinchu International Bank ("Hsinchu"), established in 1948 in Hsinchu province in Taiwan.[10] Standard Chartered, which had first entered Taiwan in 1985, acquired majority ownership of the bank, Taiwan's seventh largest private sector bank by loans and deposits as at 30 June, 2006. Standard Chartered merged its existing three branches with Hsinchu's 83, and then delisted Hsinchu International Bank, changing the bank's name to Standard Chartered Bank (Taiwan) Limited). Prior to the merger, Hsinchu had suffered extensive losses on defaulted credit card debt.
In 2007, Standard Chartered opened its Private Banking global headquarters in Singapore.[11]
On 23 August, 2007 Standard Chartered entered into an agreement to buy a 49 percent of an Indian brokerage firm (UTI Securities) for $36 million in cash from Securities Trading Corporation of India Ltd., with the option to raise its stake to 75 percent in 2008 and, if both partners agree, to 100 percent by 2010.[12] UTI Securities offers broking, wealth management and investment banking services across 60 Indian cities.
On 29 February 2008, Standard Chartered PLC announced it has received all the required approvals leading to the completion of its acquisition of American Express Bank Ltd (AEB) from the American Express Company (AXP). The total cash consideration for the acquisition is US$823 million.[13]
On 12 September 2009, The Times newspaper in the United Kingdom reported that Standard Chartered had signed a record equaling £20million a season sponsorship deal with Liverpool FC to commence at the start of the 2010/2011 English Premier League season and last for four years[14], in a deal equally the record amount set by Manchester United's sponsorship deal with insurance giant Aon. Liverpool football club announced on the club's official website on 14 September 2009 that Standard Chartered bank will be the new shirt sponsor starting from 2010 to 2014.
On 27 November 2009, Dow Jones Financial News reported the city of Dubai will restructure its largest corporate entity. Amongst international banks, Standard Chartered has one of the largest loan portfolios in the Dubai market and the UAE as a whole, estimated to be $7.77bn in total. This amounts to 4.2% of Standard Chartered's total loans outstanding. Other impacted banks included HSBC, Barclays, and RBS. However, Standard Chartered said that any impairment arising from this exposure would not be material [15].
Peter Sands is the chief executive of Standard Chartered Bank. His total annual compensation is $4,142,000. This consists of a $1,516,000 salary and $2,626,000 bonus.[16]


text:
Installation documentation - participants, two fish in tank, one snail in jar, four video cameras, two desk lamps, two carts, motion tracking software, custom sound generators
Inter-spaces is a interactive, generative sound sculpture installation. Two fish in a small tank are motion tracked, their horizontal position dictating the pitch of custom synth generators. A snail in a small jar is also motion tracked, its vertical position dictating the pitch of another synth generator. A fourth camera captures the view of the entire installation room, using viewer movements to trigger field recordings.
The fish and snail controlled sounds emitted from their specific tank's locations, the field samples played from speakers at the top corners of the room, creating an immersive sonic space.
Inter-spaces uses the Gestural Music Sequencer, written by John Keston.


text:
Guest of the Week (2/12/16)
John Wolpert, Global Blockchain Offering Director, IBM
John Wolpert stopped by theCUBE at the Block Chain Conference, in San Francisco, CA, to talk with Jeff Frick about IBM's interest in Block Chain and the next wave of adoption.
Congratulations John! You are theCUBE Guest of the Week. Be sure to follow John on twitter @jwolpert and check out all of our coverage from Block Chain Conference 2016.


text:
True witness, absurd violence
Pope Francis's response last month to the killing of a French Catholic priest by Islamic terrorists caused consternation inside and outside the Catholic Church. Critics were dismayed that Francis refused to place the brutal murder of Father Jacques Hamel into a narrative of religious or civilizational conflict. "If I speak of Islamic violence, I must speak of Catholic violence," he said. And in condemning the murder, the pope avoided the term martyr, calling the killing an act of "absurd violence."
Francis's use of the word absurd was puzzling to some. The pope seemed to be willfully or naively ignoring what—to others—was the obvious meaning of the deed. One observer declared that the murder was a "purposeful act of war on Judeo-Christian civilization." New York Times columnist Ross Douthat concluded that the pope is so attached to the progressive ideology of religious tolerance that he cannot grasp the threatening realities of our time, which "promises something more complicated and more dangerous than the liberal imagination, secular and Catholic, envisioned 50 years ago."
But Francis was not indulging in wishful thinking, and his statement did something even more significant than resist lumping all Muslims with terrorists. To recognize a murder as absurd requires a special kind of theological courage, the courage that comes from faith in a God who transcends the narratives by which humans so eagerly seek to endow violence with meaning.
In doing so, Francis was reminding Christians of the true nature of Christian witness. Many people are devoted enough to a cause that they are willing to die for it; Christians are not unique in that respect. What marks a true witness to Christ is that their suffering imitates Christ's passion by absorbing violence rather than exciting it or provoking more of it. Christ's suffering and death was not meant to be avenged or to be the basis for more—and even more "meaningful"—violence; it was meant rather to show the emptiness of such killing and spell the end of such sacrifices.
Islamic terrorists dream of a messianic struggle that will transform the world. But for Christians, as Francis understands, the world has already been transformed by the sacrifice of Christ, and so they are called to resist such dreams and counter-dreams. That's what Francis is doing, and his witness helps us better understand the witness of Father Hamel.


text: Roads, Housing and Urban Development Research Center (BHRC), affiliated with the Ministry of Roads and Urban Development, on Saturday signed an agreement with Korea Institute of Civil Engineering and Building Technology (KICT) to expand collaborations in the field of construction technology. According to MRUD's news service, the two think tanks will cooperate in research areas and specifically on eco-friendly construction technology and development of roads. The agreement requires parties to prepare the grounds for starting researcher exchange programs and establishing joint research and development offices. BHRC and KICT also agreed to organize joint events and training courses. The agreement is valid for three years, which might be extended. Established in 1971, BHRC works closely with the Ministry of Roads and Urban Development to address issues related to transportation, construction and housing.


text:
Enhance Your Comfort and Health With a Dehumidifier
Just like your Heater produces dryness for which it is helpful to have a humidifier, your Air Conditioner produces humidity. This too can be a problematic result of a comfortable temperature in your household. If this is the case in your house hold our Ultimate HVAC professionals can install an Air Dehumidifier. An Air Dehumidifier can solve the problems that too much humidity causes in your house hold such as
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Provide a comfortable indoor environment by optimizing humidity levels
Trust Ultimate HVAC For Your Home Comfort
We strive to provide 5 star service every single time we visit. Contact us today for expert service from certified technicians.Schedule Service


text:
The Read It, Watch It club will be reviewing the book You Were Never Really Here by Jonathan Ames. and the 2018 version (starring Joaquin Phoenix) of the movie. Meet from 5:30-8PM in the first floor Louis Room to watch the film and compare/contrast it with the written work. Rated: R, 94 minutes.
Available books are near the first floor Circulation Desk approximately one month prior to the program.
This Book/Movie Discussion Group does not meet in December.
Age group
Event type
Book Discussions


text: The problem I'm having is I can not find links to my existing websites at yola. I've logged in and looked all over in yola's website and all I can find are links to build new websites. I used to be able to log into yola and my websites were all listed as links and I could go to any one of them and edit them. It seems that yola's website has changed sense I last visited it and I can not find my way around. Can anyone help me find my way too link to my sites or where I go to find them? I'm beginning to think that perhaps my sites are no longer on yola's website. Although I can go view them if I Google them. How is that possible?


text:
LowPoly Horse E Dark Bay Low-poly 3D model
This low poly horse was made in Blender 2.71 and rendered by Cycles. The light rig/HDRI is not included with the file.
Texture: 2048x2048 (PNG)
DISCOUNT AVIALABLE! You can buy this 3D model with discount. To do this just click on my nickname and look for collection containing this model. If you will not find so collection, it means that I did not upload it yet, I will do it a bit later, be patient please. Also you can buy my other 3D models with discount buy this way.
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text:
Programme Manager, Bonizella Biagini, presented the collaborative approach of the multi-country UNDP project "Climate Information for Resilient Development and Adaptation to Climate Change (CIRDA)," while highlighting its role on facilitating access to reliable data and technology transfer; data interpretation and processing; identification of end users; integration of data into adaptation planning and actions. A key innovative aspect of the CIRDA approach will be helping countries to identify climate information end users and working with the private sector to facilitate data access.
Through its presentation, UNESCO highlighted its use of crowdsourcing in Mathare slums (Nairobi) to collect data, underscoring that social media has become a trusted source of information for many people. Furthermore, WMO showcased its experience in implementing tools such as mobile weather alerts in Lake Victoria. The role of communications between information providers and users was underscored by the BBC, stressing that language needs to be adapted to the target audience. As a result of the roundtable, opportunities for engaging in cooperating with other agencies and met services such as Kenya Met through South-South cooperation will be forthcoming.
The Roundtable was hosted by UNDP-GEF, UNEP Department of Early Warning and Assessment (DEWA), and the UK Meteorological Office. Chairs to the sessions included Elena Manaenkova, WMO Assistant Secretary General; Jacqueline McGlade, UNEP Chief Scientist ; Xu Tang ,WMO Director weather and Disasters Services, among other noted participants.
For more information on the developments of the roundtable, including presentations go to the CIRDA Webpage www.undp-alm.org/projects/cirda.


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One of the things that keeps me going to the various blogs and websites I do is the regular features. For example, every Wednesday, I have to read Bruce Grossman's "Bullets, Broads, Blackmails, and Bombs" weekly entry, all grouped by a theme (here is last week's entry). It's to the point now, on Wednesday's, where I'll grab that cup of java and read his column first.
And, I got to thinking, why not me?
So, I'm introducing some regular features to this blog, based on the day of the week. I will post a book review every Tuesday. Mainly these books will be a catalog of my ongoing self-education into crime fiction and pulp fiction but I'll leave myself open to other works as well. I'll start that tomorrow.
First up will be Movie/Music Mondays. It'll likely be whatever I recently watched or what I am currently listening to. Unlike the book reviews, these will probably be all over the place. And I jumped the gun by posting my Dark Knight review this past weekend. Guess I should have waited.
But content is the key and I'll continue posting chapters of my current novel, Justice in H-Town, over at my other blog, Texas Pulp Writer. And, I'll likely start posting some material from my first award-winning manuscript, Treason at Hanford: A Harry Truman Mystery. My critique group meets on Wednesday nights and they almost always have good suggestions for me to do. As such, Thursdays will be my Chapter Posting Day. I'll also give tips I have learned on writing and things I learned in the critique group.
I have not figured out what Wednesdays and Fridays will be about. I'll leave them open for now. And I'll still post whenever I feel like it on the topics of crime fiction or whatever else.
I hope that some of you will enjoy the items I write and come back regularly.


text:
I've been posting my weekly sermons on here for a while. I don't know if any of my readers are actually listening to them. If you are, here's an added twist: full video! Enjoy:
Wednesday, May 13, 2009
Put on the Full Armor of God
So back during Lent, I was given the incredible privilege of preaching a sermon series at Concordia University in St. Paul. It's a Lenten series I've done twice before, based around the full armor of God described in Ephesians 6:10-20. The sermons were videotaped and I finally found them on YouTube.
Labels: on-line video, religion, sermon
1 comment:
- Shannon McNear said...
I am *really* enjoying these ... thanks for posting them!!
- May 18, 2009 9:59 PM
Subscribe to: Post Comments (Atom)


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Free and open office productivity software have been developed to be on par with their proprietary cousins. The functionality and user interface are even similar. Free and open source programs for word processing, spreadsheets, presentations and other types of office applications basically have their foundation in OpenOffice.org, a project spearheaded by Sun Microsystems. IBM and Google are also involved in this project to build a more solid standard for the associated programs.
Sun is the primary contributor of code for OpenOffice.org. It all began when Sun bought over German outfit Star Division, the original developer of the StarOffice desktop program, which was later turned into an open source project.
Meanwhile, IBM is making its presence felt in the free office productivity software market with Lotus Symphony, which originated from the company's SmartSuite office productivity software that did not quite stir up competition in the commercial world. It is now offering its open source versions developed under the OpenOffice.org consortium.
As for Google, it is offering open source desktop productivity programs as part of its Google Pack software. It supports the same document formats in its online word processor and spreadsheet service.
Besides the three main players, OpenOffice.org has support from Novell, RedHat, RedFlag CH2000 and over 450,000 people worldwide. With industry players and communities working together, the reliability issue of OpenOffice.org applications no longer arises.
Read the complete article by Chandra Devi in The New Straits Times.


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The Patriots and their fanbase will forever be linked with Jimmy Garoppolo aka 'the one that got away.' Jimmy G is beginning his first full season as a starting quarterback, now with the San Francisco 49ers who acquired Jimmy from the Pats during the trade deadline last season. It's also his first professional season out from under the shadow of the GOAT, Tom Brady.
Joon Lee of Bleacher Report wrote a very insightful profile Jimmy and Tom's relationship in their 3 and a half years together in Foxboro, and how sometimes the two wildly intense competitors 'rubbed each other the wrong way.' Lee joined Mike Petraglia of CLNS Media on the Patriots Beat Podcast to talk more about that dynamic.
"Jimmy really looked up to Tom both on and off the field as a role model," Lee told Petraglia. "But when you're competing with someone, there's always going to be some hard times. And you're going to say things or do things that rub each other off in the wrong way."
Lee's in-depth look at Garoppolo's rise in the NFL focused largely on his competitive spirit, and the many similarities he shared with Brady that made it one of the league's most complicated love/hate relationships.
"I think that Jimmy really pushed Tom to be the best version [of himself that he could be], and I don't think it's a coincidence that Tom's best three year stretch of his career came with Jimmy as his backup," Lee told Petraglia.
Brady's fiercely competitive personality is well known, but Garropolo's less so. Hearing about it gives fans a greater understanding of what Bill Belichick saw when he drafted the Eastern Illinois product in the second round in 2015. He saw someone who reminded him very much of Brady, turns out, Jimmy's more like Brady than most people ever really knew.
"He [Garoppolo] really doesn't have a life outside of football. It's really just going to the facility, spending all his time training, working out, watching film, and trying to mentally prepare himself to be the best quarterback possible. He doesn't even have food at home, and he doesn't have a lot of clothes at home. Most of his stuff is at the facility, and as much of a cliché as it is, he really does live and breathe football and lives and breathes at the facility. This is a really intense guy, and he's preparing himself to be a starting quarterback. He wants to be the best, and he thinks that he can get there."


text: LifeNRA 23 Report post Posted July 30, 2018 First one, Muddy Boss XL Hang-on and Muddy Ascender Climbing Sticks, Paid $230, asking $180. This is brand new never used, fully assembled with a safety harness. I have this I used last year, very solid stand. Was so pleased I bought a second one. Second one, Summit Ledge Hang-on and a Summit Swiftree 2-22 Foot Climbing Sticks, also paid $230, asking $180. This is also brand new never used, fully assembled, with a safety harness. I prefer that they be sold together as a set. Thanks! If you live within 20 miles I can deliver! I can no longer use these due to losing the hunting land I was on. Quote Share this post Link to post Share on other sites


text:
A 2019 Darkside Snowboards best seller returns for the 2020 season. The Burton Step On system is snowboarding's next evolution. Secure and ready for the entire mountain, the Step On boot-to-binding connection offers unprecedented convenience and performance in an incredibly simple and secure system.
Size chart:M binding fits: 6.5-8.5 bootL bindings fits: 9-11 boot
© 1989 - 2020 Darkside Snowboards. All rights reserved.
Powered by X-Cart


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- ★★
- ★★
- ★★
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- ★★
Smashed Berry & Balsamic Kale Grilled Cheese
from @noshandnourish's first cookbook, Superfoods at Every Meal
2 teaspoons coconut oil
1 cup finely diced, de-stemmed kale
2 teaspoons balsamic vinegar
2 teaspoons basil paste or 10 fresh basil leaves
1 cup organic blueberries
½ cup organic blackberries
12 ounces fontina cheese, sliced
8 slices sourdough bread
Preheat the oven to 375°F. In a medium-sized skillet over medium heat, melt the coconut oil. Add the kale and sauté for approximately 5 minutes, until softened, and then add the balsamic vinegar and basil paste and stir to combine. Remove from the heat.
Smash the berries in a medium-size bowl. (I use the bottom of a cup to smash mine.)
For each sandwich, place a slice of sourdough bread, a layer of the kale mixture, a layer of sliced fontina cheese, and a layer of smashed berries, and then top with the second slice of bread. Set the sandwiches on a cookie sheet and bake in the oven for 10 minutes, or until the cheese is thoroughly melted. Serve hot.


text:
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text:
Document Type
Conference Paper
This item is available under a Creative Commons License for non-commercial use only
Applied mathematics
Publication Details
AIP Conference Proceedings (forthcoming)
Using the dressing Zakharov-Shabat method we re-derive the effects of the two-soliton interactions for the MNLS equations related to the BD.I-type symmetric spaces. Next we generalize this analysis for the Heisenberg ferromagnet type equations, gauge equivalent to MNLS.
Recommended Citation
Vladimir Gerdjikov, Georgi Grahovski, Two soliton interactions of BD.I multicomponent NLS equations and their gauge equivalent, Second Conference of the Euro-American Consortium for Promoting the Application of Mathematics in Technical and Natural Sciences, June 21 - 26 2010, Sozopol (Bulgaria), AIP Conference Proc. (to appear)


text:
[SPA THINKS] Why do you like winter?
Jenny Ries, The Rubicon
December 16, 2019
Winter brings a bunch of joy and beautiful scenery inside and outside the halls of St. Paul Academy and Summit School, but also a bunch of hassle.
[PHOTO GALLERY] SMB Wolfpack battles for a win in the snow
Zekiah Juliusson, RubicOnline
October 14, 2019
SMB Wolfpack won the seventh game of the season.
Later start times would be a dream come true
Lara Cayci, Staff Writer
March 17, 2019
Late starts caused by snow days reveals beneficial sleep time.
Stop canceling after-school activities for snow
Charlie Johnson, Staff Writer
March 14, 2019
After school practices are time to have fun and prepare for upcoming events, don't take that away for a little snow.
Cold students look for a warm solution
Zekiah Juliusson, Staff Writer
March 13, 2019
A warm walkway would help students learn, prevent illness and feel comfortable in their school.
Living in a Winter Wonderland is magical. (Really)
Anna Perleberg
February 23, 2019
All of this winter snow is making Minnesota active and beautiful.
Winter Carnival provides opportunity to enjoy the (very cold) outdoors
Claire Hallaway, The Rubicon Editor
January 24, 2019
The Saint Paul Winter Carnival runs from Jan. 24-Feb. 3 at locations across the city.
Snow cancels all after school activities
Tristan Hitchens-Brookins, Staff Writer
April 3, 2018
The head of school sent out an email that canceled all after school affiliated activities on Apr. 3 due to the snow.
Winter weather prompts cancellation of after school events
January 22, 2018
Evening activities are cancelled and the school will monitor weather closely tonight.


text:
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text:
Who can you trust online? When it comes to Twitter, that question can be answered with Klout, an independent service that takes into account a number of account factors to determine which Twitter users are most authentic, most influential and most worth following.
The specific algorithms used to determine Klout aren't explicitly known. The impact of a higher Klout score is still being developed as well, but I expect these scores will increasingly be used by a variety of search and sort tools (including Google) to increase visibility of tweets from users with high Klout scores.
Therefore, the higher your score, the wider reach and influence you have beyond your direct followers.
You can learn your current Klout score via their site or third-party tools such as HootSuite. To improve your Klout score, I recommend the following 10 tips.
Create content worth sharing
This may sound obvious, but it's all too easy to focus on content that you alone care about. Who are your followers, what are they interested in, and what are they likely to read, engage with and share with their own networks?
Start discussions and ask questions
All social networks thrive on conversations. Start some. Ask questions to not just learn yourself, but to find out what a group of like-minded people think. Ask about things in the news, for feedback on a particular product or service. Ask questions that you know others need answers to as well, which will spark the discussion and generate retweets.
Respond and participate
Go out of your way to help others on Twitter. Help those who ask questions, offer unsolicited advice to those who are struggling with something. If you're ambitious, do a search for keywords you're particularly knowledgeable about and respond to new people you don't yet know. Great way to get new followers and increase the measured reach and influence you have across the network.
Register with Klout (and connect Facebook)
No cost, takes three minutes. Make sure Klout knows who you are. They'll even give you direct, personalized stats and recommendations for how to improve your score. If you're active on Facebook, connect your account so that Klout gives you credit for influence on other networks as well.
Host a Twitter chat
Pick a topic, a time and a hashtag. Get friends, colleagues or like-minded followers to go online at a specified time and start talking. By initiating the chat, your account will be that the center of dozens if not hundreds of tweets. You'll also meet and be exposed to a bunch of new people.
Show appreciation and thank people publicly
If someone retweets your stuff, thank them. Individually. It will mean a lot that you did it, and Klout likes etiquette.
Make time for Twitter
You don't have to be on Twitter all day. But set a few pockets of 5-10 minutes each day to go on, be active, and engage. Even that short amount of focused time can go a long way.
Be careful who you follow
Don't automatically follow anybody who follows you. Make sure those you follow are relevant and interesting to you. Set the bar wherever you want based on that definition, just avoid spammers.
Keep it short
Leave plenty of room for retweets. I try to leave at least 25 characters at the end of a tweet.
Use hashtags (sometimes, and only when relevant)
Klout likes tweets that don't have a bunch of hashtags. If you include 3-4 hashtags in each post, it looks like you're trying to bait people into finding your stuff. If you're at a conference or event with a hashtag, by all means join the community. But be careful about using hashtags too often, or tagging generic words throughout your tweets just to get them noticed.
If you're already using Klout actively, what else have you found that's working? And are there tactics you've tried that have actually reduced your Klout score?


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An investigation for investors who hold NYSE:GNC shares was announced over potential breaches of fiduciary duties by certain officers and directors at GNC Holdings Inc.
Investors who purchased shares of GNC Holdings Inc (NYSE:GNC) and currently hold any of those NYSE:GNC shares have certain options and should contact the Shareholders Foundation at firstname.lastname@example.com or call +1(858) 779 – 1554.
The investigation by a law firm concerns whether certain GNC Holdings directors breached their fiduciary duties and caused damage to the company and its shareholders.
On October 22, 2015, the State of Oregon sued GNC Holdings Inc, claiming that the company's nutritional and dietary supplements are laced with unapproved drugs, including picamilon and BMPEA.
According to the complaint GNC Holdings Inc violated the Oregon Unlawful Trade Practices ACT ("UTPA") by misrepresenting some of its products as lawful dietary supplements. The complaint alleges that certain products that were misrepresented are unapproved drugs that may not be lawfully sold in the United States as a dietary supplement. In addition, the complaint alleged that GNC Holdings Inc sold products labeled containing botanical acacia rigidula that were added with unlabeled BMPEA and that GNC Holdings Inc allegedly sold thousands of units of products containing picamilon or BMPEA that were falsely labeled as a dietary supplement.
On the same day, GNC Holdings Inc responded to the claims made by theOregonAttorney General and issued a statement saying that the claims made by the Oregon Attorney General are without merit andGNC Holdings Inc intends to vigorously defend against these allegations.
GNC Holdings Inc also said that in response to FDAstatements regarding the regulatory status of BMPEA and picamilon, GNC Holdings Inc promptly took action to remove from sale all products containing those ingredients.
On October 29, 2015 a lawsuit was filed against GNC Holdings Inc over alleged securities laws violations. The plaintiff claims that the defendants issued materially false and misleading statements to investors and/or failed to disclose that GNC Holdings unlawfully sold thousands of units of products in Oregon that contained picamilon, that GNC Holdings unlawfully sold thousands of units of products in Oregon that contained BMPEA, and that as a result of the foregoing, GNC Holdings' public statements were materially false and misleading at all relevant times.
Those who purchased NYSE:GNC shares have certain options and should contact the Shareholders Foundation.
Shareholders Foundation, Inc.
Michael Daniels
3111 Camino Del Rio North – Suite 423
92108 San Diego
Phone: +1-(858)-779-1554
Fax: +1-(858)-605-5739


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Check out this awesome YouTube video of student-made Rube Goldberg machines in the "Simple Machines" seminar.
Sam Russell, a junior Cinema & Photography major, described some of the difficulties of working on the machine – "The Rube Goldberg machine was…..intense. Pretty frustrating. Getting every single step to work without fail was very difficult and we were up very late trying to finish it!"
Matt Kempner, a sophomore TVR major, agreed that the project was time-consuming, but fun and worth it in the end. "It ended up taking a lot more time than we initially thought it would but it was more fun than work so it didn't seem too bad at all."
Some of the problems that teams ran into had to be worked through on the spot, Elena Haskins, a freshman Film, Photography & Visual Arts major, said. "Some of the challengers were making sure everything continued to work properly, after we had moved onto another step. Several times a step that had been working would randomly stop and we would have to fix it again. Overall, it was a very fun challenge that pushed us to think outside the box."
Despite some of the quirks and difficulties, Alex Wilks, a sophomore Biology major said that seeing the finished product was definitely worth it. "The best part was when we got the whole class in the room and we had yet to successfully run the whole thing at once. We triggered the machine to start and it went through all the steps perfectly and my whole group was really excited. It was just awesome!"


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Founded in the media center at the San Francisco campus of California College Arts.
My name's Kevin, the founder of the CCA radio station. I currently work in the Media Center at California College of the Arts. My background is in music recording, sound design, and playing in bands. Reverb is one of my favorite effect if that gives you any ideas! My goal for the station is create for a platform to share content in a safe and supportive environment.If you have any show ideas, want to get involved or just want to talk, drop me a line. email@example.com


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Becoming adult is a process that lasts from the onset of puberty until the end of the teen years, and affects all girls and boys physically, emotionally, intellectually and socially. Maturity, however, is an on-going process of change that continues throughout an individual's life.
At puberty particular hormones, oestrogen in girls and testosterone in boys, cause their bodies to develop until each one comes to full physical and sexual maturity. Puberty is an event marked by menstruation in a girl, showing that she is capable of conceiving a baby, and wet dreams (ejaculation) in a boy showing he is capable of fathering a baby.
Growth spurts vary within the sexes, as well as between the sexes. 'Late maturers' often feel embarrassed as do 'early maturers', causing both girls and boys to feel awkward about their appearance.
The obvious changes that take place in girls are enlarged breast and hips, public hair and underarm hair; the vagina, uterus & oviducts grow, menstruation occurs, and there is vagina; moisture leading up to ovulation.
The obvious changes for boys include increased muscles in the upper body, greater strength, the voice breaks, facial, underarm and pubic hair, the penis and testicles grow, and an erection can occur when sexually aroused or during sleep (wet dreams).
Emotional turmoil usually accompanies these physical changes. Adjustment to these changes is made easier for those adolescents who feel secure in a family who listens and encourages discussion on sexuality and issues of concern. At the same time, an adolescent is becoming increasingly independent of parents. This appears obvious by choice of dress, music and increasing peer involvement. Young people need space to work out their own values which though not apparent at first, usually follow the foundation set by parents in early childhood.
The peer group can be both a source of information and emotional support, as well as provide misinformation about sex and exert pressure that may conflict with the adolescent's own value system. Peer acceptance is important to a young person but they will discover that self-esteem is not dependent on what others think about them. Ridicule can be hurtful. However a person is usually respected for standing by her or his own values.
Relationships are an important part of becoming adult, as they provide the opportunity to grow in learning more about oneself and how to love another and prepare for a life-long relationship. Feelings can be confusing enough without the media, societal values and peer pressure adding to the difficulties by promoting the macho image of the male, who must indulge his sex drive, whenever he wants and the accommodating girlfriend who is expected to respond to his needs, irrespective of her own. The myth is perpetual that girls are free to do what they want. Yet the reality is, that girls are still programmed to conform to their stereotyped image and are often left literally 'holding the baby'.
Respecting the wishes of a friend is essential in a relationship and consent is an important issue, for to coerce or pressure a person is sexual abuse or rape. Such an experience can have devastating effect on future relationships. Everyone has the right to say "NO" and needs to know what they are saying no to. Setting boundaries in a relationship will help two people develop trust and self-confidence without the pressure to conform to other expectations.
Teenagers often do not realise that the consequences of sexual behaviour can be a pregnancy if intercourse occurs during the fertile time of the girl's menstrual cycle. It is important for young people to learn about their own fertility and that of the opposite sex, so they can behave respectfully and responsibly towards each other, rather than exploit or treat the other person as a sex object for their own selfish satisfaction.
Teenagers who have casual sexual relationships with a number of different people are often open to
- exploitation and to exploiting others,
- impregnation and impregnating others,
- acquiring sexually transmitted infections
- (STI's) and AIDS and giving these to others,
- having feelings of insecurity and worthlessness
- and causing these feelings in others,
- remaining emotionally immature and inhibiting
- the maturity of others
Sexual Responsibility means that both male and female sexuality is understood and that neither partner is exploited or treated as a sex object by the other. Young people can refuse to have sex before marriage and have the right to expect that their choice will be respected by their friends and that they will not be 'pressured' into having sexual intercourse before they are ready to do so.
The pressure by young men on women for intercourse can be intense, and a girl may think that if she refuses, the boy will think she does not love him. Yet so often a young man will dump a girl after he gets what he wants from her. The young men themselves often feel pressured by peers into having sexual relations, because their friends do, or to conform to the traditional masculine image of aggressive genital gratification, regardless of the consequences.
Boys discuss sex in terms of performance, rather than emotions, often behind a façade of confidence. Boys need to know that having and expressing certain feelings are signs of being caring and adult rather than signs of weakness.
Accurate knowledge about sex, and honesty about one's own feelings, combined with a deep respect for other people, will help teenagers develop realistic attitudes that will determine their decision making and consequent behaviour.
Young people of fertile age are the healthiest age group in society. They have survived childhood illnesses and have not yet developed the chronic or degenerative diseases that afflict the elderly. Yet young people through experimentation, peer pressure and pop music are more exposed to reproductive health damage. They may regret such behaviour later in life.
Reproductive Health is promoted through the media as the ability to use one's reproductive organs without getting pregnant or contracting sexually transmitted infections. Unfortunately the media does not present the failure rate of contraceptives and condoms or show the number of young lives that have been emotionally destroyed through one or multiple one night stands.
Young people need to discover that reproductive health is in their hands. They have the right to protect themselves from emotional distress, unwanted pregnancies and sexually transmitted infections. They need to rediscover that the fullness of sex can only be realised in a permanent committed relationship, such as marriage. In a committed monogamous relationship, a couple's reproductive health will not be affected by sexually transmitted infections. Likewise the spouses can choose when to conceive their children by understanding and heeding their patterns of combined fertility and infertility


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Declining Trust in Politics : what can be done about it?
This Social Sciences Week event is presented by the Research School of Social Sciences (RSSS) and the School of Politics and International Relations at the Australian National University.
There has been a dramatic decline in the Australian public's trust in politics and politicians for more than a decade. While the public's disaffection with politics has not declined to the level of some other countries, restoring faith in politics has to be a major priority. Declining public trust and its potential threat for democracy has many drivers, but can be directly related to the quality and performance of a country's leaders and elected representatives. Democratic innovations and greater public engagement within traditional representative democracy are therefore presented as potential solutions, together with more radical alternatives.
This presentation outlines the empirical evidence for declining trust in politics, using the ANU's Australian Election Study surveys conducted since 1987.
The presentation will then consider possible ways in which public trust could be restored, ranging from the introduction of voting advice applications to changes in political institutions.


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You are invited to participate in an on-line exhibition, open to all artists.
the objective of this exhibition is to provide artwork that aligns to the theme
Our Juror BROOKE CHRISTY
Brooke currently lives in San Diego and received her education at SVA School of Visual Arts, New York City and San Diego State University. Brookes' love for arts has been steady since a young age, creating her own clothing, fashion accessories, art, sculpture, music and dance. The colors and chemistry of ceramic glazes fascinated her in youth and continued to stay her focus for many years while working with Potters and Ceramic Sculptors in Colorado and California. Studying Arts and Design at San Diego State University, Brooke enjoyed working in other design fields including silversmithing, wood furniture design, and textiles. Today she continues work Assisting Sculptors and Muralists and seeks future projects in public art and community enhancement.
Entry Deadline
June 20, 2011
Accepted Entries
Will appear at www.zhibit.org/sdwcajuriedshow
Exhibition Awards
Best in Show -
Most representing the theme: to be the featured artist for 2 months on TWO websites, WCA San Diego Chapter site and our online juried show site.
• 1st Place - $100
• 2nd Place - $50
• 3rd Place - $25
Questions E-mail firstname.lastname@example.com
Future Themes
Telling Stories – Deadline August 20, 2011; Bursting Out – Deadline October 20, 2011 and
Open Theme (anything goes) –Deadline December 20, 2011
Laura Thompson
Watch my Public Access TV Show
Community Artist Connection
Thursdays 9:30 pm, Cox Cable Channel 23 in San Diego and 18 in North County
Member of
San Diego County Community Coalition
Women's Caucus for Art/San Diego
La Casa de Arte Galleria
YOUtopia INstitute
Please note: this page has moved to www.wcaphiladelphia.org. The WCA is a national organization whose mission is to create community through art, education, and social activism, while recognizing the contribution of women in the arts. The Philadelphia Chapter provides a support network for women artists in Philadelphia and surrounding communities. We meet at member studios to network, learn, discuss art and plan shows. All are welcome! Contact us at firstname.lastname@example.com.
Monday, May 23, 2011
Call for Artists: WCA San Diego Chapter
Posted by Bonnie MacAllister
Bonnie MacAllister is a multimedia performance artist. She has performed at the New York Foundation of Arts and the Cat Cat Club in Paris, and her plays have been staged at the Shubin Theatre, Adrienne Theatre, and the Philadelphia Fringe Festival. Her artwork has been exhibited internationally including in Galeria 6 in Mexico, the Utopia Library in Italy, and the Delaware Art Museum. She curates the multimedia label Certain Circuits Media (www.certaincircuits.org) which is currently accepting submissions. Her twitter: @BonnieMacArt
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text:
Funding Opportunity
The Alaskan Coastal Marine Institute (CMI), established
by cooperative agreement among the University of Alaska, the State of
Alaska and the Minerals Management Service (MMS), is pleased to announce a
funding opportunity for Federal Fiscal Year 1999. The purpose of the CMI is
to provide matching MMS funding for research in Alaska on coastal, marine
and human environmental issues pertaining to offshore minerals exploration
and extraction. Up to one million dollars per year are available as
matching (co-funding) for projects. Researchers must secure at least one
dollar of non-federal matching funds for every dollar from the CMI.
Acceptable non- federal match includes funding from university, municipal,
state or private sources. The match may also be in-kind, such as needed
services. No limit is set on the dollar amount for each project, but the
intent of the CMI is to fund several smaller projects rather than fewer
large ones. Projects may be up to three years in duration.
Projects should address one or more of the Framework Issues focus on an
area of current interest to MMS (currently the Beaufort Sea and Cook
Inlet/Shelikof Strait), or be generally applicable regardless of geographic
area (e.g., laboratory studies). At least one researcher on each project
must be associated with the University of Alaska. However, the University
researcher is not required to be the scientific lead PI. Please contact CMI
if you need help in making this linkage.
Framework Issues
Studies for better understanding marine, coastal or
human environments affected or potentially affected by offshore oil and gas
or other mineral exploration and extraction on the outer continental shelf;
Modeling studies of environmental, social, economic, or cultural
processes for better predictive capabilities and for defining information
Experimental studies for better understanding of environmental processes,
or the causes and effects of OCS activities;
Projects which design or establish mechanisms or protocols for sharing
data or information regarding marine or coastal resources, or human
activities to support prudent management of oil, gas and marine mineral
resources; and
Synthesis studies of background information.
In general, studies that will help managers and regulators make better
decisions about persistent issues relating to offshore oil and gas and
other marine minerals are desirable. Examples of specific MMS information
needs are detailed in the MMS Alaska OCS Region's Environmental Studies
Strategic Plan (ESSP) and be viewed at the Alaska Region web site
(http://www.mms.gov/omm/alaska/ess/esshome.html). Hard copy of the ESSP can
be viewed at the CMI office in Fairbanks and at the MMS office in
Anchorage. Offerers are encouraged to review this plan, especially Part B.
"Descriptions of Proposed Studies" for general and specific examples of
needed information. However, proposals are not limited to the needs
described in the ESSP. If you have research interests that fall outside
these specific areas but still believe the CMI program may want to fund
your work, please contact CMI before proceeding. Such work will have a
lower priority and will be considered on a case by case basis.
Inclusion of graduate or undergraduate students is encouraged as is
involvement of local residents and communication of results with the
general public. Projects may include continuing education of academic and
regulatory communities on topics relating to the Framework Issues through
development of short courses, workshops and seminars. Graduate students may
propose projects through the sponsorship of a faculty member.
Evaluation Preproposals will be evaluated on the quality and clarity of the
formulated question, the adequacy of the execution, and the overall
relevance of the project to CMI framework issues. Applicants will be
notified in early November 1998; full proposals will be due in early
December 1998. Final decisions will be made on proposals in February 1999,
and funds should be available by May 1999.
Preproposal Content Each preproposal should include the following sections;
the sections identified with an asterisk (*) should total no more than 5
pages of single spaced text.
1. Cover page (institutional, signed)
2. *Abstract
3. *Background and Relevance to at least one specific Framework Issue
4. *Objectives/Hypotheses
5. *Methods/Analyses
6. *Logistics
7. References
8. Budget
9. Time-line, including Deliverables
10. CV (maximum of 2 pages) for each PI and co-PI.
Using references will help keep the preproposal short. Referencing or
otherwise identifying ongoing or previous projects that bear on the
proposed work is recommended. Please pay attention to the Framework Issues
and other factors listed as important to the selection process. Failure to
do so may waste your time and jeopardize an otherwise acceptable project.
Deliverables and logistics, including quarterly (beginning of January,
April, July, and October), annual (due in late May) and final reports
should be shown on the timeline. A timeline template is available on
request via email or hardcopy from the CMI. Please note that a draft final
report will be due approximately three months before submission of the
final report for editorial and scientific review.
The logistics section should briefly describe fieldwork, lab analysis,
travel, report development, etc. that are planned for the life of the
project. Greater project and budget detail will be required if your project
is selected to be developed as a full proposal.
The preproposal budget should be a relatively accurate estimate of
expected project costs in each of the following general categories. It is
understood that the final dollar amount may change with final proposal
Personnel: All personnel involved in the project, by name or job title, and
time commitment for each.
Travel: Number of trips to each destination and number of people traveling.
If you are not located in Fairbanks, please include travel for one day to a
winter Technical Steering Committee meeting in Fairbanks (Feb) where you
will be expected to present a status report on your project.
Services: Major categories. Subcontracts will show up as a line item here.
A separate budget page is required for each subcontractor. Contact the CMI
for details.
Supplies: Major categories, under $2500. ? Equipment: Number of individual
items and cost per item. MMS prefers that equipment be purchased or
provided as a part of the required match; otherwise it may become MMS
Tuition: Total.
Indirect cost: Calculate at current rate. Subcontracts will be assessed
indirect costs on the first $25K. All CMI funds that leave UA should be
subcontracts. This area can be complex; please contact CMI or the SFOS
Proposal Officer for assistance.
Budget justification: Labeled and explain items in the text or with the
If you are not sure how to interpret the above budget items, please contact
the SFOS Proposal Officer at 907/474-7707, or the SFOS Fiscal Officer at
907/474-7928 for clarification. An example preproposal budget page is
available via email or hardcopy from the CMI.
Unless a major revision is recommended during review, increases in the
final budget for the project over that presented with the preproposal will
require a detailed explanation. Substantial budget increases from
preproposal to full proposal may jeopardize project acceptance.
Non-federal matching funds must be clearly identifiable and auditable.
Please check with the SFOS Proposal Officer on all intended match to be
sure it meets requirements. When in doubt, please inquire.
Please submit letters of intent to: University of Alaska Coastal Marine
Institute School of Fisheries and Ocean Sciences University of Alaska
Fairbanks Fairbanks AK 99775-7220
Mailed submissions must be postmarked by 2 October 1998; manual submissions
must be received by 5:00 PM 2 October 1998.
For additional information, assistance, or timeline and budget templates,
please contact:
Sue Hills 907/474-5106 Fax 907/474-5571
Internet firstname.lastname@example.com
Dave Nebert 907/474-7833 Fax 907/474-5815
Internet email@example.com


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Attractions in Aliceville, Alabama
Shark Tooth Creek Outdoor Adventures 205-373-2605
24114 Highway 14 East, Aliceville, AL 35442
Hunt for shark teeth and fossils in famous Shark Tooth Creek. All visits are by appointment only. Camping, picnicking, canoeing, fishing, and swimming can also be... more info
Libraries & Research Centers
Aliceville Public Library 205-373-6691
416 3rd Avenue, Aliceville, AL 35442
Located in the Aliceville Civic Center Building
The Aliceville Public Library is normally open on Mondays, Tuesdays, Wednesdays and Fridays from 10:00 a.m. to 11:30 a.m. and 12:30 p.m. to 5:00 p.m. and 1:00 p.m. to... more info
Museums & Galleries
Aliceville Museum 205-373-2363
104 Broad Street, Aliceville, AL 35442
Located in Downtown Aliceville
The Aliceville Prisoner of War camp was home to over 6,000 German prisoners of war (POWs) between June 1943, when the first train carrying German prisoners arrived at... more info
|Print - Attractions


text:
MOSCOW, August 2. /TASS/. The Bank of Russia withdrew on August 2, the license for banking operations of the Krasnodar joint-stock commercial Bank "Krylovsky", which is the participant of system of insurance of contributions. According to statements by total assets of a credit institution on 1 July 2017 360 took place in the Russian banking system, the regulator reported.
According to the Central Bank, in 2017, the Bank pursued an aggressive policy of attracting monetary funds of individuals. the Controller repeatedly applied to the krylovskoe measures of Supervisory response, including twice imposed restrictions and once – a ban on attracting deposits of the population. In the course of Central Bank on July 26, the audit offices of a number of units found a large shortage.
The formation of the necessary reserves for possible losses on assets actually absent revealed complete loss of the Bank's own capital, the report said.
As the regulator, the management and owners of "Krylov" has not taken effective measures to normalize its activities. Moreover, their actions showed signs of dishonest behavior expressed in a submission to the regulator false statements, withdrawal of assets to the detriment of the interests of creditors and depositors.
CB will send this information to law enforcement agencies. In accordance with the order of the Bank of Russia, "Krylov" introduced a temporary administration. It will run until the appointment of a bankruptcy Trustee or liquidator. The powers of the Executive bodies of the credit institution are suspended.
The Bank's financial condition
Bank "Krylovskiy" was founded in 1999. Apart from parent in Krasnodar, has additional offices in the village of Kushchevskaya, where he also worked with operating cash, additional offices either in the village Krylovskaya, the cities of Sochi and Novorossiysk, branch office in Moscow and branches in the Moscow region.
According to IFRS for the year 2016, at the end of the year, the Bank had 3.7 billion rubles of clients ' funds, including 2.3 billion of individuals. In the beginning of this year, the Bank had one customer with balances of more than 20 million rubles.
The Bank had 182 of the borrower with total outstanding amount of the credits granted 871 million rubles last year, the Bank received a net loss of 44.7 million RUB compared to sales profit of 50.5 million RUB, the company informed. The Bank participates in the system of mandatory insurance of deposits of individuals in banks of the Russian Federation.
Shareholders krylovskoe are nine physical and three legal entities, a major shareholder at the end of the year was living in Moscow, Mikhail Ruzin (66,48%), LTD, which solely owns Ruzin, owns 6.25% in the Bank.
Payments to depositors
According to the Agency for Deposit insurance payments to depositors of "Krylov" will begin no later than August 16. The agent banks, which will pay compensation, will be selected on a competitive basis no later than August 8th.
The application for payout of insurance indemnity, the investors may apply for the entire period of liquidation of the Bank.
The work of the offices
As reported TASS, the operators of the branches of the Bank in the Krasnodar region, the head and additional offices of the Bank "Krylovskiy" stopped customer service.
"Bank employees in the workplace, but account operations of legal entities do not exercise. About the time of reception of statements from physical persons for compensation of contributions will be announced later," – said TASS managing the additional office of Bank "Krylovskiy" in the village Krylovskaya Elena Krupchenko.
The closure of the offices of TASS confirmed in the Bank's units in Sochi and the village of Kushchevskaya. At the head office in Krasnodar in the morning, the operators on the phone line confirmed that the Bank is not working. To review the management of JSCB "Krylovskiy" have not yet succeeded.