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Bank of Montreal
|BMO Financial Group
BMO Bank of Montreal
|Traded as
S&P/TSX 60 component
|Financial services
|1817Montreal, Lower Canadain
|Toronto, Ontario, Canada
Key people
|William A. Downe
(Retired Chief Executive Officer, BMO Financial Group)
Robert Prichard
(Chairman, BMO Financial Group)
Thomas E. Flynn
(CFO, BMO Financial Group)
Dave Casper
(CEO, BMO Harris Bank)
Darryl White (CEO BMO Financial Group)
|CAD$21.787 billion (2017)[1]
|CAD$4.150 billion (2017)[1]
|Total assets
|CAD$550.446 billion (2017)[1]
Number of employees
|BMO Capital Markets
BMO Harris Bank
BMO Nesbitt Burns
|Canada: bmo
US: bmoharris
Capital Markets: bmocm
The Bank of Montreal, (French: Banque de Montréal) doing business as BMO Financial Group, is a Canadian multinational investment bank and financial services company headquartered in Montreal, Quebec, Canada. One of the Big Five banks in Canada, it is the fourth-largest bank in Canada by market capitalization and assets, as well as one of the ten largest banks in North America. It is commonly known by its acronym BMO (pronounced /ˈbiːmoʊ/), which is also its stock symbol on both the Toronto Stock Exchange and the New York Stock Exchange.[3]
On June 23, 1817, John Richardson and eight merchants signed the Articles of Association to establish the Bank of Montreal in a rented house in Montreal, Quebec. The bank officially began conducting business on November 3, 1817, making it Canada's oldest bank.[4] BMO's Institution Number (or bank number) is 001. In Canada, the bank operates as BMO Bank of Montreal and has more than 900 branches, serving over seven million customers.[5] The company also has substantial operations in the Chicago area and elsewhere in the United States, where it operates as BMO Harris Bank. BMO Capital Markets is BMO's investment and corporate banking division, while the wealth management division is branded as BMO Nesbitt Burns. The company is ranked at number 131 on the Forbes Global 2000 list.[6]
The company has not missed a dividend payment since 1829, paying dividends consistently through major world crises such as World War I, the Great Depression, World War II, and the 2008 financial crisis; this makes the Bank of Montreal's dividend payment history one of the longest in the world.[7]
- 1 History
- 2 Architecture
- 3 Canadian mergers
- 4 Executives
- 5 Operations
- 6 Headquarters
- 7 Sponsorships
- 8 Mergers and acquisitions history
- 8.1 Purchase of Harris Bankcorp (1984)
- 8.2 Proposed merger with RBC (1998)
- 8.3 Purchase of BCPBank Canada (2006)
- 8.4 Purchase of GKST Inc (2008)
- 8.5 Purchase of AIG Life Insurance Company of Canada (2009)
- 8.6 Purchase of Diners Club International Franchise (2009)
- 8.7 Purchase of Marshall and Ilsley Corporation (2010)
- 8.8 Purchase of Lloyd George (2011)
- 8.9 Purchase of GE Capital's transportation-finance business (2015)
- 8.10 Purchase of Greene Holcomb Fisher (2016)
- 9 Credit agency ratings
- 10 Membership
- 11 See also
- 12 References
- 13 Further reading
- 14 External links
The Bank of Montreal was founded in 1817 as the first bank in Canada.[8] The Bank of Montreal established branches in Newfoundland on January 31, 1895, following the collapse of the Newfoundland Commercial Bank and Union Bank of Newfoundland on December 10, 1894.[9]
In 1925, Bank of Montreal merged with the Molson Bank. BMO's operational head office moved to First Canadian Place on Bay Street in Toronto in 1977, while its legal headquarters remains at the historic Montreal structure it has occupied since 1847.
Bank of Montreal, like the other Canadian chartered banks, issued its own paper money from 1817 until 1942. Though the last notes were issued during that year, they may have circulated for some time after. In 1944, the Bank of Canada (est. 1934) became the sole issuer of currency in Canada, and notes from private banks were withdrawn.[10]
Today, the Bank of Montreal commonly goes by the brand name BMO. It is a major international bank with subsidiaries operating in the United States and other countries around the world.
BMO and Simplii Financial (a subsidiary of the Canadian Imperial Bank of Commerce) were the targets of hackers in May 2018, who claimed to have compromised the systems of both banks and stolen information on a combined 90,000 customers (50,000 from BMO).[11] An email sent from a Russian address and attributed to the hackers demanded a ransom of US$1 million from each company paid via Ripple by 11:59 pm on May 28, 2018 or the information would be released on "fraud forum [sic] and fraud community [sic]."[12]
A number of buildings in which Bank of Montreal operates branches are designated by various levels of government as being of historic importance. These include:
- The Bank of Montreal, 4896 Delta Street, Delta, British Columbia (1919)[13]
- The Bank of Montreal, 511 Columbia Street, New Westminster, British Columbia (1947–1948)[14]
- The Bank of Montreal, 322 Curling Street, Corner Brook, Newfoundland and Labrador (1915)[15]
- The Bank of Montreal, 426 Portage Avenue, Winnipeg, Manitoba (1927)[16]
- The "Old Bank of Montreal", 100 Victoria Street East, also known as the "Heritage Court", Amherst, Nova Scotia (1906)[17]
- The Bank of Montreal, 1 Main Street West, Hamilton, Ontario (1928)[18]
- The Bank of Montreal, 144 Wellington Street, Ottawa, Ontario built by Ernest Barott of Barott and Blackader, architects, of Montreal[19][20]
- The Bank of Montreal, 3 King Street, Waterloo, Ontario formerly known as the Molson's Bank, by architect Andrew Taylor (1914)[21]
A number of branches were designed by Andrew Taylor including:
- The Bank of Montreal in West End, Ste. Catherine Street West at Mansfield Street, Montreal (1889)
- The Bank of Montreal in Notre Dame Street West Seigneurs Street, Montreal (1894)
- The Bank of Montreal in Point St. Charles Branch, Wellington Street at Magdalen Street, Montreal (1901)
- The Bank of Montreal, St. Catherine Street West at Papineau Street, Montreal (1904)
- The Bank of Montreal, Perth, Ontario (1884)
- The Bank of Montreal, Calgary, Alberta, Stephen Avenue at Scarth Street [now 1 Street SW] (1888)
- Manager's residence for the Bank of Montreal, Quebec City, Quebec, Grande Allee (1904)
- The Bank of Montreal in Sydney, Nova Scotia; designated by The Cape Breton Regional Municipality as a registered heritage property in 2008, (1901)
Taylor also designed a three-storey structure for the Bank of Montreal on Saint Jacques Street in Montreal in 1818. The building was modelled after a Georgian townhouse with a small portico of Corinthian columns supporting a classical pediment and remains the bank's legal headquarters.[22] The Bank of Montreal's operational head office is located at First Canadian Place in Toronto, designed by Edward Durrell Stone.
Hockey Hall of Fame building[edit]
- The Bank of Montreal, Front & Yonge Streets, Toronto, Ontario (closed). The 1885 Beaux-Arts styled building designed by the Toronto firm of Darling & Curry has been the site of the Hockey Hall of Fame since 1993.[23]
Canadian mergers[edit]
During its history, Bank of Montreal has merged with or acquired several other Canadian banks:
- Commercial Bank of Canada (1868) of Kingston, Ontario – acquired through Merchants Bank
- Exchange Bank of Yarmouth (1903)
- People's Bank of Halifax (1905)
- People's Bank of New Brunswick (1907)
- Bank of British North America (1918)
- Merchants Bank of Canada (1922), as well as several investment banking firms.
- Molson Bank (1925)
- Nesbitt, Thomson and Company - stock brokers (1987)
- Standard Chartered Bank of Canada 2 retail branches (1990s)
- Royal Bank of Canada (2000) – Merged merchant credit/debit card acquiring business with BMO Bank of Montreal's to form Moneris Solutions
- Banco Comercial Português (BCP) Canadian operations (2006)
The following merchants signed the Articles of Association for the creation of the "Montreal Bank" on June 23, 1817:[24]
- Robert Armour (1781–1857) businessman, militia officer, and office holder
- John C. Bush (? – 1859)
- Austin Cuvillier (1779–1849)
- George Garden (c.1772–1828), director from 1817 to 1826 and vice-president from 1818 to 1822.
- Horatio Gates (1777–1834), merchant and banker, President of BMO 1832–1834
- James Leslie (1786–1873); bank director
- George Moffatt (1787–1865); bank director
- John Richardson (c. 1754 – 1831)
- Thomas A. Turner (1775 ? – 1834)
- John Gray (1817 to 1820); co-founder and first President
- Samuel Gerrard (1820 to 1826)
- Horatio Gates (1826); co-founder and President
- John Molson (1826 to 1834)[25]
- Peter McGill (1834 to 1860)
- Thomas Brown Anderson (1860 to 1869)
- Edwin Henry King (1869 to 1873)
- David Torrance (1873 to 1876)
- George Stephen (1876 to 1881)
- C. F. Smithers (1881 to 1887)
- Donald Smith (1887 to 1905)[25]
- George Alexander Drummond (1905 to 1910)
- Richard B. Angus (1910 to 1913)
- Sir Vincent Meredith (1913 to 1927)
- Sir Charles Blair Gordon (1927 to 1939)
- Huntly Redpath Drummond (1939 to 1942)
- George Wilbur Spinney (1942 to 1948)
- Bertie Charles Gardner (1948 to 1952)
- Gordon Ball (1952 to 1959)
- G. Arnold Hart, president from 1959 to 1967 and CEO from 1959 to 1974
- Fred McNeil, CEO from 1975 to 1979
- William D. Mulholland, CEO from 1979 to 1989
- William E. Bradford, President 1981-1983
- Matthew W. Barrett President from 1987 to 1990 and CEO from 1990–1999
- F. Anthony Comper CEO from 1999 to 2007
- Bill Downe (from March 1, 2007 to October 31, 2017)
President was the highest-ranking position at the bank from its founding until the middle of the twentieth century, however this was superseded by chief executive officer in 1959, beginning with G. Arnold Hart. Several of his successors as President were CEO as well, however Matthew W. Barrett was the first top executive not to be styled president.
Chief Executive Officer[edit]
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Since the middle of the twentieth century, the senior officer of Bank of Montreal has been styled President and chief executive officer beginning with G. Arnold Hart. That officer often also held the title chairman of the board, until 2003 when a non-executive chairman was appointed.
The title of the second-ranking executive has changed several times and has often been left vacant. As deputy to Matthew Barrett, F. Anthony Comper was President and chief operating officer from 1990 to 1999, after which he became chairman and CEO while retaining the title of President. During most of Anthony Comper's tenure as CEO, while there was no official "number two" executive, the CEO of BMO Capital Markets (the investment banking division) was largely considered the second-most powerful officer. Bill Downe ascended from CEO of BMO Capital to chief operating officer of the BMO group, but held the title only for one-year until he succeeded Comper as President and CEO in 2007.
(partial list)
- Matthew W. Barrett (1990 to 1999)
- F. Anthony Comper (1999 to 2007)
- Bill Downe (from March 1, 2007)
- Darryl White (from November 1, 2017)
BMO is divided into three "client groups" which serve different markets. Each of the client groups operates under multiple brand names.
- Personal and Commercial Client Group (retail banking), including
- BMO Bank of Montreal (commercial and retail banking in Canada), including BMO's MasterCard credit cards; BMO Life, a life insurance company; and the former virtual bank division mbanx
- BMO Harris Bank (commercial and retail banking in the United States, headquartered in Chicago)
- Investment Banking Group (known as BMO Capital Markets)
- Private Client Group (wealth management), including
- BMO Nesbitt Burns (full service investing in Canada)
- BMO InvestorLine (self-service investing in Canada)
- BMO Harris Investor Services (advisory services in the United States)
- BMO Private Banking (private banking in Canada and the United States) including Harris myCFO and Cedar Street Advisors (both affiliates of BMO Harris Bank) In 2014–2015 BMO rebranded BMO Harris Private Bank as BMO Private Bank.
In October 2008, Mediacorp Canada Inc. named BMO Financial Group one of Greater Toronto's Top Employers.[26]
Corporate governance[edit]
Current members of the board of directors of BMO are: Robert Astley, David R. Beatty, Robert Chevrier, George Cope, Bill Downe, Christine A. Edwards, Ronald Farmer, David A. Galloway, Harold Kvisle, Eva L. Kwok, Bruce H. Mitchell, Philip Orsino, Martha C. Piper, Robert Prichard, Jeremy Reitman, Guylaine Saucier, Don M. Wilson III, and Nancy Southern.
BMO's official legal corporate head office is in Montreal, located on Saint Jacques Street. The chairman, President and some senior division executives work in the Toronto offices at First Canadian Place.
From at least 2007 through 2011, BMO was a sponsor for the Toronto Maple Leafs.[27] It has been a sponsor of the Toronto FC of Major League Soccer since 2007[28] and of its home arena named BMO Field at Exhibition Place.[29] and the Toronto Raptors. In 2010, BMO extended its agreement with the Toronto FC through the 2016 season.[30]
In 2005, BMO Bank of Montreal became the title sponsor for the annual May marathon race staged by the Vancouver International Marathon Society. The current name is "BMO Bank of Montreal Vancouver Marathon".[31]
Since 1997, Bank of Montreal has been a major sponsor of Skate Canada, and is the title sponsor of the BMO Financial Group Canadian Championships, BMO Financial Group Skate Canada Junior Nationals, BMO Financial Group Skate Canada Challenges, BMO Financial Group Skate Canada Sectionals, and BMO Financial Group Skate Canada Synchronized Championships. It is also the presenting sponsor of the CanSkate Learn-to-Skate Program.[32]
On July 23, 2008, BMO announced it signed a one-race deal with IndyCar team Newman/Haas/Lanigan Racing to appear on the No. 06 car of Graham Rahal in the first-ever IRL-sanctioned Canadian IndyCar race at Edmonton.[33]
On June 14, 2011, the Montreal Impact announced a five-year agreement with the Bank of Montreal (BMO) to become lead sponsor and jersey sponsor when it became an MLS expansion team in 2012.[34]
BMO is a founder and major sponsor of the Siminovitch Prize in Theatre, an annual award of $100,000 granted to a Canadian director, playwright, or designer.[35]
Mergers and acquisitions history[edit]
Purchase of Harris Bankcorp (1984)[edit]
In 1984, the bank greatly expanded its operations in the United States through the purchase of Chicago's Harris Bank.[36] Harris, rebranded BMO Harris Bank in 2011, has continued to expand additional acquisitions.
Proposed merger with RBC (1998)[edit]
In 1998, Bank of Montreal shocked the Canadian financial community and public by announcing plans to merge with RBC. Government regulators later blocked the proposed merger, along with a similar proposal by the Toronto-Dominion Bank to merge with the Canadian Imperial Bank of Commerce.[37] In December 2000, the banks were successful in merging their credit and debit card processing services to form Moneris Solutions.[38]
Purchase of BCPBank Canada (2006)[edit]
In 2006, BMO bought BCPBank, a Schedule C financial institution that was the Canadian division of Banco Comercial Português, with eight branches in the Toronto-West area.[39]
Purchase of GKST Inc (2008)[edit]
BMO bought Griffin, Kubik, Stephans, and Thompson (GKST) in 2008, a Chicago-based firm that specializes in municipal bonds, U.S. Treasury and agency debt, and mortgage-backed securities with approximately 100 employees handling sales, trading, research, public finance and underwriting.[40]
Purchase of AIG Life Insurance Company of Canada (2009)[edit]
In 2009, BMO purchased AIG's Canadian life insurance business, AIG Life Insurance Company of Canada, for approximately $330 million CAD. The transaction, including 400,000 customers and 300 employees, made BMO the second-biggest life insurer among Canadian banks. The new component was renamed BMO Life Assurance Company.[41]
Purchase of Diners Club International Franchise (2009)[edit]
In November 2009, Bank of Montreal announced the purchase of Diners Club International's North American franchise from Citibank. The transaction gave BMO exclusive rights to issue Diners cards in the U.S. and Canada. The deal closed in December 2009.[42]
Purchase of Marshall and Ilsley Corporation (2010)[edit]
In December 2010, BMO announced the purchase of Milwaukee-based Marshall & Ilsley Corporation, which operated as M&I Bank. Prior to acquisition, M&I was Wisconsin's largest and oldest bank, with branches in Wisconsin, Minnesota, Missouri, Kansas, Arizona and the Indianapolis market.[43] When the transaction completed, M&I Bank, along with current Harris Bank branches were rebranded BMO Harris Bank.[44]
Purchase of Lloyd George (2011)[edit]
In January 2011, BMO announced the purchase of Hong Kong-based Lloyd George Management.[45] Lloyd George has offices in Hong Kong, London (UK), Singapore, Mumbai and Florida and manages a portfolio of approximately US$6 billion.
Purchase of GE Capital's transportation-finance business (2015)[edit]
In September 2015, BMO agreed to acquire General Electric Co. subsidiary GE Capital's transportation-finance unit. The business acquired has USD $8.7-billion (CAD $11.5-billion) of assets, 600 employees and 15 offices in the U.S. and Canada. Exact terms were not disclosed but the final price would be based on the value of the assets at closing plus a premium according to the parties.[46]
Purchase of Greene Holcomb Fisher (2016)[edit]
In June 2016, BMO agreed to acquire Greene Holcomb Fisher, a Minneapolis investment bank. Greene Holcomb Fisher also has offices in Seattle and Atlanta. The terms of the acquisition were not released.[47]
Credit agency ratings[edit]
Rating agency Moody's Investors Service began to review the long-term ratings of the Bank of Montreal and other Canadian banks because of concerns about consumer debt levels, housing prices, and a sizable exposure to capital markets in October 2012. In January 2013, the service announced downgrades for Bank of Montreal and five others.[48]
|Wikimedia Commons has media related to Bank of Montreal.
BMO is a member of the Canadian Bankers Association (CBA) and registered member with the Canada Deposit Insurance Corporation (CDIC), a federal agency insuring deposits at all of Canada's chartered banks. It is also a member of:
- Air Miles
- ATM Industry Association (ATMIA)
- Interac
- Cirrus for MasterCard card users
- Diners Club North America
- MasterCard International
BMO Harris Bank (BMO's US operations) is a member of the Federal Reserve System (FRS) and a registered member of the Federal Deposit Insurance Corporation (FDIC). It is also a member of:
- Cirrus for MasterCard card users
- Diners Club North America
- Interlink for VISA card users
- NYCE for MasterCard card users
- MasterCard International
- PLUS for VISA card users
See also[edit]
- ^ a b c "BMO Income Statement - Bank Of Montreal Stock - Yahoo Finance". finance.yahoo.com.
- ^ "BMO Profile - Bank Of Montreal Stock - Yahoo Finance". finance.yahoo.com.
- ^ Tor, Maria; Sarfraz, Tor (23 December 2013). "World's 100 Biggest Banks: China's ICBC #1, No U.S. Banks In Top 5". Forbes. SNL Financial. Retrieved 2014-05-08.
- ^ Bonham, Mark S. (2012). "Bank of Montreal". The Canadian Encyclopedia. Thecanadianencyclopedia.com. Retrieved 2013-03-18.
- ^ "Branch Banking". bmo.com. Retrieved 2013-03-18.
- ^ "The Global 2000". Forbes. forbes.com. 2013. Retrieved 2013-11-10.
- ^ Blackwell, Richard (November 25, 2008). "The Explainer: Are bank dividends safe from cuts?". The Globe and Mail. Archived from the original on December 4, 2008. Retrieved May 31, 2018.
The big banks have an astonishingly long record of consistently paying dividends. Bank of Montreal has been distributing them non-stop since 1829 - almost 180 years, the longest unbroken record of any Canadian company. Bank of Nova Scotia's streak goes back to 1833, TD's to 1857, CIBC's to 1868 and Royal's to 1870.
- ^ Bélanger, Claude (January 2005). "Bank of Montreal". Marianopolis College. Retrieved 2013-03-18.
- ^ Pound, Richard W. (2005). Fitzhenry and Whiteside Book of Canadian Facts and Dates. Fitzhenry and Whiteside. ISBN 978-1550411713.
- ^ "Bank of Canada Act" (PDF). Bank of Canada. 8 October 2008. p. 30, section 25. Retrieved 2013-03-18.
- ^ Ligaya, Armina (May 28, 2018). "BMO and CIBC's Simplii says fraudsters may have accessed clients' information". Toronto Star. The Canadian Press. Retrieved May 29, 2018.
- ^ "Hackers threaten to reveal personal data of 90,000 Canadians caught in bank hack". CBC News. May 29, 2018. Retrieved May 29, 2018.
- ^ "Bank of Montreal (Delta, BC)". Historicplaces.ca. Retrieved 2013-03-18.
- ^ "Bank of Montreal (New Westminster, BC)". Historicplaces.ca. Retrieved 2013-03-18.
- ^ "Bank of Montreal (Corner Brook, NL)". Historicplaces.ca. Retrieved 2013-03-18.
- ^ "Bank of Montreal (Winnipeg, MB)". Historicplaces.ca. Retrieved 2013-03-18.
- ^ "The Bank of Montreal Building (Amherst, NS)". Historicplaces.ca. 19 January 1981. Retrieved 2013-03-18.
- ^ "Bank of Montreal (Hamilton, ON)". Historicplaces.ca. Retrieved 2013-03-18.
- ^ source document, previously cited, actually lists Barott, not Taylor
- ^ "Bank of Montreal (Ottawa, ON)". Historicplaces.ca. Retrieved 2013-03-18.
- ^ "Bank of Montreal". Historicplaces.ca. Retrieved 2013-03-18.
- ^ Harold D. Kalman (1906-04-17). "Bank Architecture". Thecanadianencyclopedia.com. Retrieved 2011-02-19.
- ^ "Bank of Montreal, BCE Place". Spencer R. Higgins, Architect Incorporated. Retrieved 2014-05-08.
- ^ The centenary of the Bank of Montreal, 1817–1917. Bank of Montreal. 1917. p. 8. Retrieved 2013-03-18.
- ^ a b Martin, Joseph E. (2017). "Titans". Canada's History. 97 (5): 47–53. ISSN 1920-9894.
- ^ Richard Yerema and Kristina Leung (9 October 2012). "Reasons for Selection, 2009 Greater Toronto's Top Employers Competition". Eluta.ca. Retrieved 2013-03-18.
- ^ "Coast to Coast: Toronto". Sports Business Journal. sportsbusinessdaily.com. 2 April 2007. Retrieved 2013-03-18.
- ^ Matsumoto, Rick (23 March 2007). "FC banks on jersey logo". Toronto Star. thestar.com. Retrieved 2013-03-18.
- ^ "BMO Field to be Home for Toronto FC and Canada's National Soccer Teams" (Press release). BMO Financial Group. 20 September 2006. Archived from the original on 4 March 2016. Retrieved 2013-03-18.
- ^ "BMO Renews Toronto FC Jersey Sponsorship" (Press release). marketwire.com. 5 July 2010. Retrieved 2013-03-18.
- ^ "BMO Bank of Montreal Takes the Lead, Becoming the Title Sponsor of the Vancouver Marathon" (Press release). BMO Financial Group. 20 December 2005. Archived from the original on 5 March 2016. Retrieved 2013-03-18.
- ^ "2010 BMO Canadian Figure Skating Championships Begin in London, Ontario" (Press release). BMO Financial Group. 10 January 2010. Archived from the original on 2016-03-04. Retrieved 2013-03-18.
- ^ "Wheels & Deals: Tony Stewart To Announce Number, Sponsors". Sports Business Journal. sportsbusinessdaily.com. 23 July 2008. Retrieved 2013-03-18.
- ^ "Impact Sign Five-Year Jersey Sponsorship With BMO For MLS Debut". Sports Business Journal. sportsbusinessdaily.com. 15 June 2011. Retrieved 2013-03-18.
- ^ "Jury Announced for 2008 Siminovitch Prize in Theatre" (Press release). SiminovitchPrize.com. 20 May 2008. Archived from the original on 11 April 2013. Retrieved 2013-03-18.
- ^ "About Us". BMO Harris Bank. Retrieved 2013-03-18.
- ^ "The Competition Bureau's Letter to the Royal Bank and Bank of Montreal". Government of Canada—Competition Bureau. 11 December 1998. Retrieved 2013-03-18.
- ^ "Our Founding Partners". moneris.com. Retrieved 2013-03-19.
- ^ "BMO Financial Group to Acquire bcpbank Canada" (Press release). BMO Financial Group. 3 August 2006. Archived from the original on 5 March 2016. Retrieved 2013-03-19.
- ^ Olver, Lynne (21 April 2008). "UPDATE 1-Bank of Montreal to buy U.S. bond dealer GKST". Reuters. Retrieved 2013-03-19.
- ^ Callan, Eoin; Sturgeon, Jamie (13 January 2009). "CMO buys AIG's Canadian life insurance unit". Financial Post. financialpost.com. Retrieved 2013-03-18.
- ^ "BMO Financial to buy Diners Club from Citigroup". Toronto Star. thestar.com. 24 March 2009. Retrieved 2013-03-18.
- ^ Gores, Paul (17 December 2010). "M&I to be sold to Canadian bank for $4.1 billion". Milwaukee Journal Sentinel. Jsonline.com. Retrieved 2013-03-18.
- ^ Gores, Paul (6 July 2011). "It's official: M&I is absorbed by Canada's BMO". Milwaukee Journal Sentinel. Retrieved 2013-03-18.
- ^ French, Cameron (11 January 2011). "UPDATE 2-Bank of Montreal buys Hong Kong's Lloyd George". Reuters.com. Reuters. Retrieved 2013-03-18.
- ^ "BMO News Release BMO Financial to acquire GE Capital's transportation finance business" (Press release). 10 September 2015. Archived from the original on 26 December 2015. Retrieved 2015-09-16.
- ^ "BMO buys Minneapolis investment bank Greene Holcomb Fisher". Star Tribune. Retrieved 2016-06-03.
- ^ "Moody's downgrades 6 Canadian banks". CBC News. cbc.ca. 28 January 2013. Retrieved 2013-03-19.
Further reading[edit]
- Denison, Merrill, 1893–1975. Canada's first bank : a history of the Bank of Montreal. Toronto: McClelland and Stewart, c1966. 2 v. : ill., maps, ports., (some folded, some col). ; 25 cm.
- Nolin-Raynauld, Michelle, 1926–. The Bank of Montreal building on Place d'Armes, 1845–1901 / Michelle Nolin-Raynauld ; foreword by Jean Bélisle ; translated by Judith Berman. Montreal : Varia Press, c1999. 143 p. : facsm., ill., plans ; 23 cm. Originally presented as the author's thesis (master—Université de Montréal), 1984, under the title: L'architecture de la Banque de Montréal à la Place d'Armes. Translation of: L'édifice de la Banque de Montréal à la Place d'Armes, 1845–1901. ISBN 2-922245-12-8
- BMO Financial Group Corporate Archives, Montreal
- Rupert Canadian Investment Bank Review McGraw-Hill Ryerson, Limited 1992
External links[edit]
Official sites[edit]
Other sites[edit]
- BMO stock quote from TSX


text:
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- Holi is a special time of year to remember those who are close to our hearts with splashing colours
- Apki Jevan main hamesha khusiyon ke rang barse, Happy HOLI…
- Neela, peela, hara, gulaabi yeh sab to ek bahaana hain hame to Tumse Milne aana hai is Holi pe unhe rangne Jaana Hain. Dil ne Ek Baar Phir humara kahna mana hain
- Do me a favour let's play Holi, Come let's sing, dance and laugh all day. Festival of happiness and joy is here, And when its's Holi, everything is fair. Happy Holi
- Holi… Holi hote hai diwale mat samjhana, hum tumhare Ghar aaye to hame mawalee mat samajhana Happy Holi
- May you have the most blessed Holi festival than you ever had. May it be full of fun, joy and love. May you be as colourful as the festival itself or even more. Let us all have lots of fun.
- Holi is a special time of year to remember those who are close to our hearts with splashing colours! Happy Holi…
- Holi is the appropriate time to break the ice, renew relationships and link yourself with those that you wanted to be with a bit of colour.
Hope you will be happy with this status but if you want more click on below button
- I Pray To You For All The People In This World. Please Give Everyone Happiness, Peace And Lots Of Smiles. This Is My Prayer For Today.
- Om Mein Hi Aastha, Om Mein Hi Vishwas; Om Mein Hi Shakti, Om Mein Hi Sansar; Om Se Hi Hoti Hai Achhe Din Ki Shuruaat. Bolo – Om Namah Shivay! Happy Shivratri! Jai Bholenath
- Sara Jahan Hai Jiski Sharan Mein, Naman Hai Ush Shiv Ke Charan Mein, Bane Ush Shiv Ke Charano Ki Dhool, Aao Mil Kar Chadhaye Hum Shraddha Ke Phool. Happy Maha Shivratri!
- Mahashivratri Mubarak ho. Sabki Mahashivratri Mangalmaye ho. Shiv ki Sakti, shiv ki bhakti, khusi ki bahar mile Shivratri ke Pawan avsar par apko zindagi ki ek acchi nai suravat mile, Happy Maha Shivratri!
- May Lord Shiva shower his, begin blessings on, you and your family.
- May happiness and peace, surround you with his eternal, love and strength.
- Heart gets Love; Hand gets Rose??; And you get my best wishes on the birthday of Lord Shiva! Happy Shivaratri
- Shiv ki Shakti, Shiv ki Bhakti, Khushi ki bahaar mile, Shivratri ke pawaan awsar par aapko Zindagi ke ek nayi aachi suruaat mile, Happy Shivratri
- Jai Shiv Onkara Har Shiv Onkara, Brahma Vishnu Sadashiv Arddhagni Dhara. Om hara hara Mahaadevaa… May the blessings of Lord Shiva… Always be with you!
I think you will enjoy our bhakti quotes
- I Believe In Love At First Sight, Because I'm Loving My Mom… Since I Opened My Eyes. Happy Mother's Day
- It's Mother Who Can Take The Place Of All Others But Whose Place No One Else Can Take. The More I Grow, The More I Realize That My Mom Is The Best Best Friend That I Ever Had
- I know I always have you to stand by me even if the whole world falls apart. I love you mom, so much more than you even know. Happy Mother's day to you.
- The World's Best Mother is a book that ought to be written by its most qualified author – YOU. Have the best mother's day ever.
- I just want you to know how special and fortunate. I find myself to be blessed with a mother as caring, loving and wonderful as you Happy Mother Day
- To my wonderful Mother, who is very tolerant of a son like me: I LOVE YOU! Happy Mother's Day!
- Beauty and brains you're more than that, you are a great mother, a hero and a loving friend right from the start.
- Jo kuch bhi mila hai mujhe teri duaon ke sabab, mein jo kuch hoon aaj bas teri duaon ke sabab, Jo aaj mein khush hoon tu mera nahi koi kamaal, Meri jo khushiyan hain wo sab teri duaon ka sabab
- Love U My lovely MOM…!
If you want to wish your mother and make special Mother Day so click on below button
- I never knew what wonders you have done… Yes, surely you changed the things around me, into smiles, sunshine & happiness. Just the way you keep on doing always! Happy Friendship Day My Dear Friends!!
- I find rest in the shadow of your friendship. You always know the right words to say which gives me the strength to move on.
- Love is blind; friendship closes its eyes.
- A friend is one who believes in you when you have ceased to believe in yourself.
- I keep my friends as misers do their treasure, because, of all the things granted us by wisdom, none is greater or better than friendship.
- Don't walk in front of me, I may not follow. Don't walk behind me, I may not lead. Walk beside me and be my friend
- A friendship is sweet when it is new. And it is sweeter when it is true. But you know what? It is sweetest when it is you.
- A true friend is someone you can disagree with and still remain friends. For if not, they weren't true friends in the first place
I hope you will love this
- Liberty is always dangerous, but it is the safest thing we have. Happy Independence Day to You.
- Feel the pride of being the part of such a glorious nation.
- Hurray for the Orange, White and Green! Forever in peace may our flag wave. Happy 15th of August!
- Freedom Was Taken By The Blood That Was Given. Happy Independence Day.
- Celebrate the free spirit of India, May this Independence Day, Fills your life happiness and prosperity. Happy Independence Day
- Communication is a continual balancing act, juggling the conflicting needs for intimacy and independence. To survive in the world, we have to act in concert with others, but to survive as ourselves, rather than simply as cogs in a wheel, we have to act alone.
- No nation is perfect, it needs to be made perfect Happy Independence Day.
- Life is like a game card. The hand you are dealt is determinism; the way you play it is free will
I wish you will be happy form our status and if you want more Independence Day Status then click on below button
- Rakhi ka tyohar bhot bhot Mubarak humesha haste rahena Aur Mujhe Yaad kate rahena
- Brothers are like streetlights along a road, they dont make dist any shorter… but they light up path n make the walk worthwhile.
- Khuda Kare Tujhe Khushiyan Hazaar Mile, Mujhse Bhi Achcha Yaar Mile, Meri Girlfriend Tujhe Bandhe RAKHI, Aur Ek AUR Behan Ka Pyaar Mile
- You're the best brother anybody could want. I am very happy to be your brother And do not change it for anything in the world. I hope you're very happy on this special day. !!Happy Raksha Bandhan Brother!!
- It's lovely …that we got to grow up together…like two peas in a pod… Happy Rakshabandhan to my sweet as sugar brother.
- On this Rakhi, let's bring back the lively spirit of childhood, play pranks with each other and become that wacky siblings we were always. Happy Raksha Bandhan
- Sometimes being a brother is even better than being a superhero.& this day is RAKHI. Happy Raksha Bandhan.
- Mere Bhaiya Mere Chanda mere Anmol Ratan, May you have a long, healthy and prosperous life. Happy Raksha Bandhan
We Hope you will enjoy these status and wishes. For more content click below button
- Pag-pag mein phool khiley,Khushi aap sabko itni mile,Kabhi na ho dukho ka samna,Yahi h aapko Navratri ki shubhkamnaye Happy Navratri Friends
- Maa Durge, Maa Ambe, Maa Jagdambe, Maa Bhawani, Maa Sheetla, Maa Vaishnao, Maa Chandi, Mata Rani meri aur apki manokamna puri karey.. JAI MATA DI. Happy Navratri.
- Navratri par ma Durga aapki har manokamana puri kare. Navratri Ki Hardik shubkamanaye
- Welcome the year with new editions of divine consciousness. Shubh Navratri
- Chand Ki Chandani, Basant Ki Bahar. Phoolo Ki Khushbu, Apno Ka Pyar. Mubarak Ho Aapko NAVRATRI Ka Tyohar. Sada Khush Rahe Aap Aur Aapka Parivar
- Celebrate this Navratri with complete joy and zeal. As the light of our home prepares a special meal. Just don't forget to pray and be thankful, as Lord Durga make our life bountiful!
- May Maa Durga empower you with her nine blessings of name, fame, health, wealth, happiness, peace, humanity, knowledge and spirituality
For more fresh content click below link
- Gulab jamuns, rasgullas, laddus, sparklers, crackers and diyas all are back here to announce the arrival of Diwali!
- So adorn your most colourful attires and get ready to celebrate! Wish you a Happy Diwali!
- Let's celebrate the auspicious day of Diwali with fun and frolic.
- May this bright day bring bountiful bliss and joy in your life here's sending wishes to you on this Diwali.
- Tyaag di sab khawish-e- kuch alag karne ke liye. Ram ne bhi khoya bahut kuch Shri Ram banne ke liye.
- Doubt is like darkness, Trust is like light, there is no way to destroy light by throwing darkness into it. So come together and enjoy the festival of lights…
- It's the day to light the diyas, ignite the rockets and burst crackers, but it's also the time to be safe, from the fireworks and all the sparkles.
- Deepon ki tarah tum sada jagmagaate raho, Lakshmi ji ka aashirwaad paate raho, Meri hai yeh shubhkaamna tumhe Ki tum hamesha yu hi muskurate raho!! Shubh Diwali 2018
- The festival of lights is just around the corner, wishing you all a very Happy Diwali
- Christmas is not only to pray and But praise for drinking and messing too, Merry Christmas
- Merry Christmas and Happy New Year to all my FB family and friends, May it be filled with fun, love and laughter
- May you feel the bright, joyful blessings God has to offer you during this Christmas holiday
- Before The Church Bells Ring, Before D Cakes & Wine R Served, Before The Holy Star Appears Before Networks Get Jammed,Let Me Wish U A, Merry X'mas
- What if the zombie apocalypse hits on Christmas Eve and most the world is forever decorated in some twisted, undead Christmas motive
- The smells of Christmas are the smells of childhood
- My Christmas gift is when your status changes from Last Seen At to Online and then to Typing.
- I never believed in Santa Claus because I knew no white dude would come into my neighborhood after dark.
For more amazing content click the button

subset: commoncrawl


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Help AMP Rock Out!
The ZACC's AMP (Alternative Music Project) all-ages classrooms and performance area are vital to helping musicians and performing artists in our area (and those traveling through) a safe and supportive space to practice and perform their art. Over the course of the year the AMP spaces will host adult & youth music camps, open mic nights, theatrical practices and performances, veteran group Hero Sound Project, music shows, parties, and more! We're trying to make this space the best it can be and we could use your help. Please bring new or gently used supplies to the ZACC during open business hours, and help us keep ALL people in our community thriving creatively. Thank you so much for your support!
We love supplies of any variety, but currently OUR Alternative Music Project SPECIFICALLY NEEDS:
- Ear Plugs
- Guitar Picks
- Post-It Easel Pads
- Black Chalkboard Paint
- White Chalkboard Markers


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Jesus told us that no one puts new wine into old wineskins, but Robert Myers is putting that to the test with a mid-life career change into composition with a focus on sacred music, for Jesus also said, "what is impossible with man is possible with God!" Robert graduated from Southwestern Baptist Theological Seminary in December, 2017 with a Master of Church Music degree and a concentration in composition. He has studied composition under the tutelage of R. Christopher Teichler, Gary Joe Hardin, and Don Wyrtzen.
Robert's compositions focus on sacred choral music with an aim to preserve and promote artistic choral music in our churches. He composes for both choral and instrumental ensembles with original works, arrangements of extant hymns, and new settings of old texts, and enjoys an occasional foray into absolute music of an impressionistic/neo-romantic bent. His works are available at Swirly Music and Sheet Music Plus.
The highlight of his burgeoning output to date is the performance of his arrangement of "Divinum Mysterium" by the Fort Worth Symphony Orchestra. In the Summer of 2017, Robert was accepted as a participant in the John Ness Beck Choral Composers Workshop and studied under Craig Courtney, Dan Forrest, and Howard Helvey. Over the last twenty years Mr. Myers has performed in and assisted with choral and music ministries in churches across the Dallas-Fort Worth Metroplex and has performed with the Southwestern Symphony Master Chorale at Bass Hall. He currently serves as Associate of Worship & Creative Arts at First Baptist Church, Keller, TX where he oversees vocal ensembles and the FBC Keller Orchestra.


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Arc-en-ciel Ring designed by Paige Novick – 3.38ct Swarovski Created Diamonds and Swarovski Genuine Topaz; set with 3.09g of 18K Fairtrade rose gold; created exclusively for Atelier Swarovski Fine Jewelry


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I'm Going to Quit you Cable!
Big news came out yesterday: Verizon FiOS is dipping its toe into the concept of a la carte channel selection ("Skinny Bundles") for cable customers. They claim to be interested in giving customers more choice (cough *bullshit*). Or they're finally reacting to 3.74 million Americans who have canceled their cable subscriptions from 2008 to 2012 (read more here). Whatever the reason, It's a step in the right direction -- but is it enough?
Verizon's "Skinny Bundle" option would cost $55 and include basic channels, plus two additional "channel packs" which contain 10-17 channels each. [Interestingly, according to a Nielsen study (read here) conducted last year, the average TV household only watches about 17 channels every year since 2008. 17 channels!]
But anyway this is all well and good, but $55 a month is still a little steep, especially since you and I know this price doesn't include your DVR, additional cable boxes and all the taxes and fees that go along with with an account. (Read more about it on CNET.com here.)
Bottom line: I've been thinking about this issue a lot lately. Should I quit cable?
It would be hard. Really hard. I love TV. I love freedom. I love my DVR (like, serious, irrational love).
But it is getting ridiculous. $100 a month (and climbing) for a bunch of channels I never use? I currently watch about 5 cable channels regularly: AMC, HBO, SHO, FX and Bravo, in addition to ABC, NBC and FOX. OK so I would miss the news, but guess what? I could buy this clever device from Amazon.com and get basic cable for FREE:
[You basically just need to check here to find out where the closest transmitter tower is. You can use an indoor antenna if you are within 25 miles of a tower; otherwise, you'll need an outdoor one.]
You'll also need internet access through your TV or you'll be watching everything on your laptop or tablet and that would be dreadful. Maybe you already have a Smart TV. Otherwise, you'll need to get AppleTV, Roku or a Chromecast. I personally have one Smart TV and a Chromecast so I should be covered. [Visit Amazon.com here to buy a Chromecast for like $35.]
The other thing you'll need are subscriptions to your favorite channels. The rub for some channels like HBO, Fox, ABC and FX that have apps is you need your cable account log in to access. You will no longer have that.
Here are the online subscriptions you can get to access your fave shows:
HuluPlus: As of right now, a H+ account costs $7.99 a month. That will get you access to just about any show on network TV, as well as some cable shows.
Amazon Prime: Amazon Prime is "prime"arily known for the shipping service. You pay $99 a year and get free shipping for the year. What comes with this is also streaming TV, movies and music. The TV shows aren't current, but like Netflix they are delving into producing original series, like Transparent and Alpha House.
Netflix: Netflix doesn't have a great selection of movies, but has a handful of fantastic original series like Orange is the New Black, House of Cards and Bloodline. That subscription is $7.99 a month as well.
HBO NOW: HBO is the first channel to come out with the opportunity to buy an independent subscription to their programming. This is huge. I could probably give up Showtime, but HBO is my bread and butter. HBO NOW is about $15 a month. I think as of now it only works on an iPad or iPhone or AppleTV.
Freeloading/sharing: This is where having friends comes in handy. Sharing is caring; and sharing online log-in information is the equivalent of caring for elderly parents. (That might be a little dramatic.) But anyway, check with your friends. There's nothing wrong with swapping some accounts. You buy Hulu, I buy Netflix. You buy Amazon Prime, I buy HBO Now. You get cable and I'll just freeload off your account. We're all family here.
The one huge bummer of ditching cable is sports. Although I have to note here, that for die-hard sports fans, you have to order special packages anyway and if you are doing that, you probably have no issue paying for cable in the first place.
And I can't attest to all of them but I know you can purchase packages from the MLB, NBA and NHL for similar prices to what you'd pay your cable company. The NFL is trickier. They have an audio package you can buy but because of all their crazy licensing, don't have a video package. You'll have to go to your nearest sports bar to catch those games. Same with college sports. I don't really care about that stuff because I usually go somewhere social to watch sports, but for you round-the-clock sports fanatics, this might be the reason you have to forgive cable for giving you a black eye and accept them for what they are.
[For a great article from Time of how the above subscriptions compare to the cost of cable and what your savings could add up to be, click here.]
OK people, so as much as there are signs some cable companies might be on the verge of offering a la carte cable options, we are also about to see four of the biggest -- and most hated -- cable companies merge: Comcast and Time Warner, and AT&T and DirecTV. If this happens, prices are bound to go up, and customer service will continue to decline. Danger! Danger!
Why do they hate us so much? Click here to find out why. Or watch Funny or Die's visual representation of it here:
So yes, I'm going to quit cable.
Not yet, but soon. Very soon.


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Hey there, Nonnie! To be honest, I've only recently gotten into the fandom myself (I saw bits and pieces of Flash and Arrow's pilots way back when because my family tried to get me to watch it, but I never had time, and then eventually I wound up watching Supergirl because of an actor I recognized on the show, but I've only been in this fandom since…February? I just haven't been active until now). But I'd be more than happy to give you recs if you're just starting out because I have…quite a long list.
- Tumbling Together by RedHead: aka the fic with the most kudos in the Ao3 tag currently - and it's hilarious and adorable and my favorite of theirs. RedHead has also written a lot of other ColdFlash fics (such as Seventy-Three Seconds and These Violent Delights) so you can't go wrong with looking over those too. They've written so many good fics and one-shots, but I'd be here all day if I tried naming them all.
- Keep Cold by Liu: One of my personal favorites (though it's a WIP), especially since I'm a sucker for anything in the fantasy genre. It's a Beauty and the Beast au but…hoo boy, it's nothing like you would expect and it is certainly not the Disney version. Also they have a ton of other fics in the DCTV fandom, not just for ColdFlash, that are just as wonderful so check those out.
- The Cold Untroubled Heart by Miko & By Any Other Name by cardinalstar: These two are also WIPs based on two very different role reversal aus, both of which include Len being a meta and Barry is morally gray at best. Miko's fic is almost complete and it's based on the idea of what if Henry did kill Nora? The latter fic parallels most of S1's plotline but Lisa and Mick (though mostly Lisa) play more active roles and Iris knows about Barry's secret from the start. I love both fics to pieces, and they were actually one of my first introductions to ColdFlash? So these two hold a special place in my heart.
- All of QLaLa's fics: No multichapter ones here, but all of these fics are wonderful and I reread them whenever I get the chance. If I had to pick one out of all of them, my favorite would have to be costumes optional (unless you're looking for smut, then go to Pep Rally or those three words (above all else) because they're GREAT).
- All of Sandrine's fics: Again, just read them. They also write excellent ColdWestAllen and Atomwave, which got me into those ships. If I had to rec one, I'd say to check out One Part Saint and Two Parts Sinner first.
- The Color of Love by Crimson1: This one just happens to be my favorite of Crimson's – though there are multiple wonderful fics under their Ao3 as well and I can't possibly name them all – mostly because I've read a lot of "love pollen/love spell" one-shots for many, many different pairings and fandoms and this is the first I've seen with a plot outside of the love spell itself, and I honestly fell in love with it.
- The Good in You (the Bad in Me) by blue_wonderer: Another WIP but it's so fluffy and hilarious that I had to put it on here. This fic makes me smile whenever I reread it (and Blue's also written many other fics too, so check those out).
- i just wanna have fun and (get rowdy) by pettigrace: Another WIP, though it's nearly finished. I'm very picky about reading textfics but this one has a lot of pairings, not just ColdFlash, and it's just as ridiculous as you'd expect it to be. If you want to read something that'll get you smiling and you're a fan of textfics, this is the one to read.
And what the hell, I'm going to rec my own fic Bound By Silver Tongue because I can.


text: A Taliban representative on Wednesday joined an Afghan government official for a peace conference hosted by an elite university in Japan, an academic said. In a rare joint appearance, Din Muhammad, a member of the Taliban's political council, was invited by the private Doshisha University to a "peace-building" forum, along with Masoom Stanekzai, internal security adviser to Afghan President Hamid Karzai. They and other Afghans were in Japan to discuss what steps need to be taken to build peace and bring reconciliation in the war-torn nation, the forum's organiser said. Masanori Naito, professor of Middle Eastern studies and migration studies at the university, said the aim had been to get all sides to the table. "We brought opposing parties together to debate paths toward peace," he told AFP. Muhammad's visit to Japan comes less than a week after Taliban fighters stormed a lakeside hotel near Kabul, killing 18 people in a 12-hour standoff with the security forces. The attack highlighted the instability in the country ahead of the 2014 departure of NATO combat troops, who have been fighting a more than decade-long insurgency that erupted after the US-led invasion in 2001. Japan has never had a combat role in Afghanistan, but has been involved in reconstruction and is a major donor. The war registers little on the public radar, consequently, the visit by a Taliban figure is unlikely to cause political ripples. A spokesman for the foreign ministry said "proper procedures" had been followed before the issuance of Muhammad's visa. Taliban spokesman Zabihullah Mujahid confirmed the militants had sent Muhammad to Japan for the event. The militia said this year that it had suspended contacts with American officials in Qatar in a row over a prisoner swap. But Muhammad told Japanese media that the Taliban would resume talks if Washington fulfills its promises, including on a prisoner exchange. "The problem is not on our side. The problem is actually on their side," Muhammad, who was a cabinet minister in Afghanistan's former Taliban government, told Kyodo, adding he had flown in from Qatar. In a separate interview with NHK, he called for the total withdrawal of US forces and said it would be unacceptable for any American troops to remain in the country after the combat mission ends in 2014. "The Taliban does not permit deployment of any foreign troops and it will only adversely affect peace," he was quoted as saying.


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18th July 1922, Page 25
18th July 1922
Page 25
Page 25, 18th July 1922Close
• Passenger Travel News.
The Latest Doings and Developments in the Bus and Coach World. A SALOON BODY ON A FORD CHASSIS. An Ideal Type of Vehicle for Use in Thinly Populated Areas. A VERY NEAT and......
Parking Plans For Visiting Coaches.
Official Information, Aided by Maps, Which Should Prove of Inestimable Value • to Coach Proprietors. T O the list of towns and cities with which we have already" dealt in......


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Hire a professional carpet cleansing service to be sure all your stubborn stains come up. Some stains equivalent to red wine or blood are simply too powerful to get out yourself. The merchandise and machines used will not injury your carpet and you'll definitely notice an improvement. The carpets in your house do loads of unpaid work. It's walked on each day and has bother maintaining itself clear. They should get a professional cleaning. After reading these tips, yow will discover an amazing service at an inexpensive value.
Is your private home filled with pet odor? If that's the case, then you should take into account hiring a carpet cleaner who gives deodorizers. The deodorizer and the the cleanser are applied collectively, so the deodorizer can neutralize smells that a regular cleanser can not take away. You're keen on your family pet, but that doesn't mean you need your house to scent like Fido. Ask the businesses you are considering hiring on your carpet cleansing whether or not or not they're a member of native trade associations. In that case, ask them what the associations have provided them and if they use them to additional their schooling. Many associations provide courses on new strategies which may higher the corporate's providers.
An amazing carpet cleaner will provide a assure for his or her services. If the corporate you're contemplating doesn't present any guarantees for his or her work, take your enterprise elsewhere. Should you want better work completed after the assure is obtainable, then exercise the guarantee. Ask for reimbursement if your carpets nonetheless aren't satisfactory. Do a background check on a carpet cleansing firm before hiring them. This may embrace discovering data on the Web and calling organizations like the Better Enterprise Bureau. You wish to make sure you are hiring true professionals who will respect your home and get the job achieved right. Doing your homework can go a good distance towards guaranteeing this.
Does the carpet cleansing company you are considering supply a guarantee on their work? Before you sign anything or have any work finished, discuss to the cleaners and discover out if they should be capable of get the carpet as clear as you want it. Additionally, will they stand behind their word. Make sure you have an acceptable space for the carpet cleaner to park their automobile. Though this will sound silly, it is a big thing. They'll have plenty of tools that weights a lot, and it is best that they need not trample over your grass or flower beds repeatedly to get into your property.
At all times analysis the company that you're hiring to scrub your carpets.
Even if your carpets don't look soiled, they most likely are. Even in case you vacuum every day, your carpet becomes dirty simply from regular site visitors and grime will get trapped within the fibers. Strive putting a white towel at your door. Preserve it there for every week and see how soiled it becomes. This may present you that you simply want knowledgeable carpet cleansing company to clean your ground. Locating a fantastic company to clean your carpets must be easy now that you know what to expect. You perceive the process, what to look for and what they offer. Take this knowledge to the next stage by using it to hire somebody so your carpets might be clear and wonderful again.
Carpet cleaners must be licensed by the IICRC. This is acknowledged world wide. A credentialed carpet cleaner is important at any time, but especially in case your carpet continues to be below guarantee. If there isn't a certification, the producer can void your carpet's guarantee. Cleaning carpets by yourself could be extraordinarily tiring and irritating. Next time, give your self a break and rent knowledgeable cleaner and marvel at how lovely your carpets prove. It would prevent a variety of effort and time. Observe these tips to discover true value in carpet cleansing professionals.
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Cleansing stains is easier when liquid is caught earlier than it enters the deeper carpet layers. After a few minutes have handed, proceed to wipe it, and the stain, off of the carpet!


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First Rate Boarding
Country Hill is the recipient of the "Just Add Horses Environmental Award." This award recognizes the OEF horse facilities member who demonstrates an active approach to conserving the environment. Big congratulations to Kathy Fremes who is always active in making Country Hill such a wonderful and "green" place to ride and raise horses. Kathy is invited to the OEF Conference to accept this prestigous award.
Our Rates:
CURRENT RATES: Effective July 1st, 2017
|Indoor board (small stall)
|$630 monthly
|Indoor board (large stall)
|$685 monthly
|Outdoor board
|$500 monthly
|Private turnout
|$80 extra monthly
|Semi-private turnout
|$50 extra monthly
|**Overnight board (24hr)
|$45 extra
|**Day stall
|$25 extra
Please note: A $50 late fee will be charged if board and training fees are not received before the 7th of the month, then an extra $50 will be charged each additional week the fee is late. A $50 fee will be charged for NSF cheques.
|Private lessons 50 min
|Private lessons 30min.*
|Semi-private lessons*
|Practise rides
Please note: Lessons are payable by cheque in advance (monthly) or on a cash basis only if paid individually. Lesson cancellations without 24 hours notice will be charged.
|$75 monthly
|$75 monthly
|Training rides
|$60 per session
|Exercising Rides
|$47 per ½ hour
|Lunging (Free or regular lunging)
|$30 per session
|Lunging in Side Reins
|$40 per session
|Holding/handling for vet/farrier/trailering etc.
|Medicating by oral syringe or ointment
|$10 per day
|Medicating by injection
|Medication by powder
|Picking up meds/ supplies from vet/tack shop
|$25 service, plus km
|Extra Turnout
|Trailer Parking
|$100 per month
All prices do not include HST
- *$5 less if own horse provided
- ** For horses with no monthly indoor boarding contract.
- ***Depends on the cost of the drug if CHF is supplying it
Please note: that any credit/gift certificates expire in 6 months.


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An individual can purchase almost anything in relation to their choice and needs. Just on a single click all of your essentials get delivered at your doorstep. Shopping through online is this kind of user-friendly that you might want not require to stand in a long queue to create your payment. All of the people love online shopping because it makes things easier and smoother Online Shopping In Pakistan. The business organizations preferred this channel as a scope to gain access to right into a worldwide network. The demands are increasing day by day.
The three important factors for every commercial organizations are acquisition, retention and enhancement can quickly maintain. It helps out to lessen the pressure, save your power while buying, and it is simple to check and compare the worthiness with other. The shoppers can shop more often through online portals. One can get almost anything in one place at a cheaper cost. A customer living in any country of the planet can consume their deserving product. The customers are also accepting it as a channel to give a gift that would be of good quality, and also reasonable in price. The buying and selling through online plays a significant role in several people's lives. Online shoppers can make any moment of your day or night to shop in a free of charge mind, even you are able to do it from your home or from your workplace. A person just must log onto the Internet, visit the preferred website to search online and select the things based on their desires and easily have the delivery at the mentioned time. They could purchase many different things from shopping online.
Online Shopping features a numerous advantage. It is the shopping destination of the web users throughout the country. E-commerce supplies a way out of smarter shopping. It is designed with the present day technology for the development of internet. Shopping on the internet permitted you to purchase things without distracting your daily schedule. The English entrepreneur Michael Aldrich invented online shopping in the year of 1979. It is a technique used to learn more about the customers need to be able to make a tougher relationship with them. It's a choice to generate lifetime customers by delivering on promises consistently. The marketplace has already created its impact and has proven its uniqueness on the attention of the customer.
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Festival Event Registration
The 41st Sydney Gay and Lesbian Mardi Gras Festival starts on Friday 15 February, running through until Sunday 3 March 2019.
We welcome you to register your festival event and be part of the festival celebrations. Registration for events is open until Thursday 24 January 2019.
Alongside our curated program of events we umbrella a vibrant and diverse program of events and activities, that represent and celebrate LGBTQI culture in all its forms. We aim to present a well-rounded, accessible and comprehensive Festival program appealing to a wide range of interests.
Program categories include Performing Arts, Visual Arts, Music Events, Parties, Sporting Events, Community Events, Family Events and Talks/Workshops.
We seek applications from community groups, arts organisations, artists, venues, independent and commercial producers who would like to register their event as part of the 2019 Mardi Gras Festival.
We require you to supply all Marketing Materials at the same time as your applications are submitted.
Registrations for PREMIER EVENTS are now closed.
Your event will be listed on the Mardi Gras Website - $225 incl gst
Standard Event Registrations include:
- Event page on the Mardi Gras website in the Festival section, with full details of your show and link to your ticketing page
- At least one social media mention
- Inclusion in What's On Today section of the Mardi Gras website on the dates of your event in Season.
Application Terms and Conditions:
When completing your application you must tell us the type of organisation you are by selecting a category listed below. You must satisfy the condition of being an LGBTQI-related event.
A. LGBTQI Organisers
- An event by a LGBTQI person, a group primarily involving LGBTQI people or an LGBTQI organisation.
- Your event may be of any kind as long as there are LGBTQI people in key roles.
B. Non-LGBTQI Organisers
- An event by individuals or organisations that are not part of the LGBTQI community.
- Your event must be themed around, support and/or celebrate the rights, achievements, culture and aspirations of the LGBTQI community.
If your event is a dance party that may conflict with the Mardi Gras Party or Laneway events, Sydney Gay and Lesbian Mardi Gras (SGLMG) reserves the right to not accept the registration as a Premier event.
SGLMG reserves the right to not accept an application if your event does not meet either of the above criteria.
If SGLMG accept your application you will be sent further information regarding payment details.
Registrations have now closed.
The online Event Registration form has an area for you to upload your images. If you have any issues loading your images, please email email@example.com
- Landscape dimensions - 3000 px by 2000 px at 300 dpi
- Please note your image may be cropped.
- We are unable to accept logos or text in your hero image.
- You can provide more than one image to represent your event. These may be included on our website event gallery.


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Join us at COMSOL Day Southfield for product demonstrations, talks by invited speakers, chats with our technical and sales staff, and the opportunity to exchange ideas with other simulation specialists. This event will showcase use cases from various industries.
View the schedule and register for free today.
Come to this session to hear about the new features in COMSOL Multiphysics® version 5.4 and to learn how they can be incorporated into your existing multiphysics models.
Multiphysics Modeling of Internal Short Circuits and Thermal Runaway of Li-Ion Batteries
Internal short circuits and the subsequent heat release induced by electrochemical reactions has been a primary cause to trigger Li-ion battery thermal runaway. Given the different dominant physical-chemical processes associated with internal short circuits and thermal runaway, a decouple-recombine approach is adopted to reveal this complex phenomenon from detailed modeling and computations.
On one hand, the thermal response and chemical kinetic feature of thermal runaway is computationally investigated in a three-dimensional configuration with detailed runaway chemistry and assigned heat source intensity, to mimic an accidental heat source. The threshold runaway state has been identified, corresponding to a pairing of critical heat source intensity and critical duration time, below which thermal runaway cannot occur. A sensitivity analysis has been conducted to evaluate the dominant thermal chemical and physical parameters triggering thermal runaway. Material dependence of thermal runaway has also been characterized by comparing different Li-ion battery cathodes, such as lithium cobalt oxide (LiCoO2) and lithium nickel manganese cobalt (NMC).
On the other hand, the evolution of current, voltage, and power dissipation rate fields during a representative internal short circuit scenario is computationally investigated by solving species, charge, and energy conservation equations accounting for electrochemistry. The internal short circuit current could be an order of magnitude higher than the 1C current, and the maximum average power dissipation rate is found to be in the order of 1012 W/m3. Interestingly, the time scale of the heat release rate evolution from electrochemistry is found to be very close to the critical duration time predicted using the thermal runaway chemistry, indicating the consistency of the models developed to describe these two phenomena. The detailed power dissipation density predicted from electrochemistry is then used as input for the heat resource in the thermal runaway calculation to demonstrate the coupling of the electrochemical and thermal abuse model. This work provides useful guidance to the fundamental understanding and prediction of thermal runaway phenomena induced by an internal short circuit in a Li-ion battery.
Uncertainty Quantification and Predictive Analytics Featuring SmartUQ Coupled with COMSOL Multiphysics®
Advancements in and the rapid proliferation of modeling and simulation have led to new technologies, such as digital twins, and have given engineers a "data-rich" environment for conducting predictive analytics. Yet, simulations are a deterministic analysis, failing to consider real-world variability and uncertainties surrounding the simulation process. By accounting for uncertainties in their simulation models, engineers can develop an accurate predictive model, enabling the performance of advanced analytics, including uncertainty quantification (UQ), design space exploration, trade studies, and predictive maintenance. These predictive capabilities can significantly reduce product development, warranty, and sustainment costs and improve product reliability and durability.
This talk will provide a brief introduction to UQ and predictive analytics and show how the SmartUQ software can enhance product development and design exploration activities in the COMSOL Multiphysics® software through the use of predictive analytics and UQ techniques. Using a NACA airfoil CFD simulation for demonstration, this talk will walk through SmartUQ's analytics workflow coupled to COMSOL Multiphysics®.
Attend this session to learn about the capabilities of the COMSOL Multiphysics® software in structural mechanics and related areas. Among other things, we will discuss the newly released Composite Materials Module and the material activation/deactivation feature in the Structural Mechanics Module, which can be used to simulate additive manufacturing and similar processes.
Learn to use gradient-based and derivative-free optimization techniques to define and solve problems in shape, parameter, and topology optimization. The techniques shown are applicable for almost all types of models.
Invited Speakers
Oakland University
Register for COMSOL Day Southfield
This event has ended. Visit the event calendar to view upcoming events.


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Staff Member of the Week – Nicole Key
March 14, 2016
Filed under Entertainment, Feature, Showcase, Uncategorized
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Tearah: What did you want to be growing up?
Key: "The garbage man… because I thought it looked really fun to ride on the back of the truck. Or somehow deep down I knew I was going to be a teacher because I played school all the time… I also wrote plays and made my family, neighbors, and friends dress up and act them out."
Tearah: What is your favorite movie genre?
Key: "Comedy… No hesitation."
Tearah: Favorite book?
Key: "Wicked… because it looks at the perspective of the wicked witch and shows what it must've felt like to have a house drop on her sister and have her shoes taken by a stranger… It gives a twist to different perspectives."
Tearah: What's your greatest accomplishment?
Key: "That is a hard question to answer… I want to say becoming a teacher… Then I think, no it was becoming a ski instructor… but ultimately becoming a mom was my greatest accomplishment."
Tearah: Did you play sports in High School?
Key: "Yes but no… It was outside of school, I raced, and skied… I was athletic but I wasn't in school organized sports."
Tearah: What was your go to outfit in High School?
Key: "Jeans and a baggy sweatshirt… With really big hair and converse high tops."
Tearah: Why did you become a teacher?
Key: "Because it is what I am… I always was one."
Tearah: What is your job at LHS?
Key: "I teach primarily American Literature… I have one sophomore English class… Staying sane."
Tearah: Who is your role model?
Key: "My mom for sure… She had a full time job, raised two kids, and kept a clean house… She sewed, baked… She did it all."
Tearah: What is very important to you?
Key: "Staying true to myself… And hopefully inspire others in a positive way because of that."
Tearah: What are some traditions your family has?
Key: "We play board games every holiday get together… Go skiing as a huge family every year."
Tearah: What do you think it takes to succeed?
Key: "Personal determination, no one else can give it to you… A few tears… And a lot of laughter."


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- Branch Name:Spectrum
- Service Type:Full Service Office
- State & County:Arizona - Maricopa
- City or Town:Scottsdale
- Zip Code:85253
- Phone Number:480-374-6800480-374-6800
Washington Federal Spectrum branch is one of the 232 offices of the bank and has been serving the financial needs of their customers in Scottsdale, Maricopa county, Arizona for over 11 years. Spectrum office is located at 6720 N. Scottsdale Road, Scottsdale. You can also contact the bank by calling the branch phone number at 480-374-6800
Washington Federal Spectrum branch operates as a full service brick and mortar office. For lobby hours, drive-up hours and online banking services please visit the official website of the bank at www.washingtonfederal.com. You can edit branch details by clicking here if you believe the information is incomplete, incorrect, out of date or misleading.
- ■ Monday:09:00 - 17:00
- ■ Tuesday:09:00 - 17:00
- ■ Wednesday:09:00 - 17:00
- ■ Thursday:09:00 - 17:00
- ■ Friday:09:00 - 18:00
- ■ Saturday:Closed
- ■ Sunday:Closed
Washington Federal Spectrum is open Monday to Friday and closed on Saturdays and Sundays. The branch opens at 09:00 in the morning. Working hours for Spectrum branch are listed on the table above. Note that this data is based on regular opening and closing hours of Washington Federal and may also be subject to changes. Please call the branch at 480-374-6800 to verify hours before visiting.
- Bank Name:Washington Federal
- Bank Type:National Bank
- FDIC Insurance:Certificate #28088
- Routing Number:N/A
- Online Banking:washingtonfederal.com
- Branch Count:232 Offices in 8 states
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Easily submit your review, comment or complaint about Spectrum branch using your Facebook ID.


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Photo Scanning & Retouching
Blues Picture Framing has a state of the art scanner that is capable of reproducing your photos or artwork to an excellent standard retaining all of the detail of the original.
We can scan from photos, transparencies and also from previously printed images such as postcards and small posters.
The bed of the scanner can take an original up to the size of A3 (42 x 30cm)
If scanning old photos that are damaged or torn, these can usually be repaired in Photoshop.
The digital file of your image can then be enlarged and changed from colour to black and white or sepia if required. Black and white images can also be turned into sepia.
The file will then be ready to be run as a Giclee print.


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December 9, 2016
10:30 am
To many of us, a garage is more than just a place to store your cars. It's where we get the messy work done, it's typically where we enter our homes, and of course we find it perfectly acceptable to allow our garages to be a bit of a cluttered mess.
Some may have a side door, but otherwise, your typical interface is the large garage door that requires a remote, maybe a keycode panel, to get in. But garage door remotes suck. They alway suck. And if your battery dies, it sucks even more, because you probably have to find the right button battery to replace it. Chamberlain on the other hand has another idea, one that throws most garage opening sets into the age of the Internet of Things (IoT). That is, as long as it was made after 1993.
The Chamberlain MyQ is an incredibly simple device that works with your existing setup, giving you control of the door, in addition to monitor capabilities through any iOS or Android device. We gave the MyQ a whirl over a month through regular use, and even got a pet sitter to use it for easier access to the house. Overall, it's a simple to setup and use this system, which adds a bit of tech to an otherwise ignored part of the house.
Note: Before considering a purchase, ensure the MyQ is compatible with your existing unit and check the WiFi connectivity in your garage.
The setup process for MyQ and its ease of use is dependant on how friendly your existing opener is. During the in-app setup process, you'll eventually need to hit the motor's program button, which seemed to be a bit hit or miss for the MyQ hub to pick it up. And in my case, the remotes needed to be programmed at the same time as they defaulted and would no longer function. So if you have a Genie opener, expect some issues, but that's not really Chamberlain's fault. It's mine.
Beyond that, setting up the MyQ follows a typical process of tethering the hub to your home network, and then a bit of hardware mounting. If you want a look at the step-by-step process, you can find their manual here.
On the surface, the Chamberlain MyQ opener would seem like a simple device that makes it easier to control whether or not your garage is open. But from our perspective, it's more about accessibility than anything else. From safer access to your home to pet sitters and babysitters, information plays just as important a role as the actual functionality that it brings.
When it comes to worry about your home, if it's not your stove it's likely the garage. Eventually, you're going to be concerned about how safe your house was when you left it last. MyQ makes it incredibly easy to see the status of your garage door, and regardless of where you are (with internet connection on both ends) you can close it back up.
Obviously, the MyQ faces the same issue all IoT devices do, internet. If your power or internet goes out or you can't connect to the app, you're out of luck.
Opening and closing your garage is all accessible with the tap of the app. How amazing is that?
Do your kids come home at a specific time but keep losing garage openers? Scheduling with the MyQ will open the garage at a set time and then alert you through the app. Personally this feature seems nice in theory, but leaves you open to some potential security concerns.
MyQ integrates with three relatively popular platforms: Nest, Wink, and Xfinity Home. Interestingly enough, it does not support IFTTT or HomeKit yet. We're more surprised by IFTTT, because that is really one of the most accessible platforms currently available regardless of device. With each, you simply link your account to the platform and enter the device into your ecosystem.
The MyQ hardware itself is not designed to be anything pretty. It has a simple black plastic finish with a light in the center of the hub. It's powered by the same source that your existing garage opener uses, which does mean in many cases you'll have a bit of a cord showing.
MyQ's app is what you're more likely see on a regular basis, and although it's not the prettiest, it's insanely simple. Typically, you'll see a visual of your garage door either being up or down with some text stating how long it's been open or closed. Beyond that, there's a scheduling option, but that just seemed a bit odd to me. Granted not every child is spoiled enough to have a device handy, making the scheduling feature seemed a bit iffy to use in that situation.
Overall the the MyQ is designed to be simple and fit in with your existing garage opener.
Pros & Cons
- Adds wifi connectivity to many garage openers
- Generally easy to use
- Setup process can be a bit wonky
Overall Thoughts
Should you buy the Chamberlain MyQ Wifi connected garage opener? If you hate using your existing garage opener or don't want to buy additional remotes, yes. Personally, I found the device to not exactly be a necessity for my situation since I am typically the only one going in my garage, but for families, this would be an easy addition and add a bit of peace of mind. It generally works well enough, and it also has some decent integrations that makes makes it part of your automated, internet connected home.
Price: $130
Where to buy: Amazon, Chamberlain
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Selling is… By Paul Huff
Selling is the one game in town that pays the bills, that keeps the doors open, that nobody wants to admit they do.
"I'm not in sales, I'm a supervisor, doctor, lawyer, banker, administrator, accountant." "Don't look at me, I'm just the secretary, nurse, receptionist, shipping clerk." Funny – if nobody sells … how do you get new students, new patients, new clients, new customers?
Selling is everyone's business and when it's not, you're in trouble …
Think about it… Remember the time you decided not to go back to a company, because the shipping clerk sent you the wrong item, the receptionist was cold & surly, the manager didn't have time to talk to a mere customer, the doctor had you wait two hours.
That's selling … negative selling.
Remember – everyone sells, and not just externally, but internally as well.
When you want a raise, you sell your boss on your skills & value.
When you set new policies and procedures you sell these to your staff in a way they can accept, or you'll soon find they'll ignore them … When you expect more of your staff than you're willing to properly train and supervise them for, you're whistling up a hollow tree, because they're only as good as the training you give them.
But there's more to selling than that.
Selling is knowing …
Who's your competition?
Who's your customer, client, patient or public?
And what's important — you or them?
Selling is knowing …
What your service, idea, or product is – and isn't; what your public's needs are; and what services or products you offer to fit those needs.
Selling is knowing . . .
When to market and where;
Where your competition isn't and then being there;
Why some things are accepted
and others not.
Selling is knowing…
How to treat your public
as you would like to be treated;
How to market and merchandise better
than your competition;
How to listen and learn from your staff
as well as your public;
How to assess your own knowledge, or lack of it
about your services, ideas, goods or products;
and how to make it easier for your public
to accept what you are offering.
And finally,
SELLING IS knowing
that this business is after all, a profession …
THE PROFESSION of selling.
Let us not pretend
it's someone else's problem.
Motivational speaker and author, Paul Huff, offers proven concepts and step-by-step methods to achieve and sustain success in professional and personal arenas. He is the author of numerous book and audio recordings, Paul has performed before audiences throughout the U.S. and in 12 other countries. Visit his site at PaulHuff.com
Josh's Thoughts:
I've long held the belief that everyone sells — whether or not they choose to believe they do or not.
With that said I'd strongly recommend printing off the ideas above and keeping them nearby so you can refer to it often. In my humble opinion the ideas are that important.
To your selling success, Josh Hinds 🙂


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LaRue County Judge-executive Tommy Turner told magistrates meeting at the courthouse in Hodgenville April 9 that the following day he was scheduled to sign an agreement with Hardin County to house LaRue's stray animals.
According to the contract, Hardin County will receive up to 20 animals per calendar month with LaRue County paying an annual fee of $21,000 for the services. LaRue County also agrees to pay $15 for each animal transported in excess of the 20-animal allowance. The contract stipulates Hardin County will accept only felines and canines.
If you currently subscribe or have subscribed in the past to the The LaRue County Herald News, then simply find your account number on your mailing label and enter it below.
Click the question mark below to see where your account ID appears on your mailing label.
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For RPGMaker 2 by Agetec and Enterbrain.
Rough Draft #1
Pre-Prologue - A Tutorial to give you enough basic skills to use the Guide!
Here is how to make a fully functioning door (remember, this takes less then 5 minutes to do, but may take markedly longer to explain):
To do this you will need to make 3 scripts and a two page event
This door will open and let you pass when you touch it. It will then stay open forever. It is the simplest example. There are many ways to make doors work in a game. You can have them close behind you. You can have them stay open and then be closed when you reenter the map. You can ring doorbells, or require passwords, or even make the player stand on his head in a bucket of treacle going "Squawk! Squawk! Squawk!" before they can use the door. This open-endedness may be why people never posted anything before.
Anyway, first make 2 "Action" scripts. I shall assume you are brand new to RPGM2 and do not know what that means. When creating a new script there is a "box" that defaults to the word "Content" (actually there are two, but you want the one that is labeled "Type" not the one labeled "Note"). Highlight that, press X, and then select "Action" from the drop down menu.
Then make a one line script consisting of the command:
Event: Motion Change=Action A Speed=0
This is created with the following sequence:
Events > Effects > Motion Change
This opens a window with several options. Stare at it in disbelief and confusion, then change the Model from Character to Object. Then change the speed from 100 to 0. Select object 152 (Door Single B) for your model (unless your taste prefers another door).
Name this Script "Door: Closed."
That's one.
Now make a two line action script that reads:
Event: Single Action=Action A Speed=100 Event Move: Bypass Members=Yes
This is created with the following sequences:
First Events > Effects > Single Action
That opens a similar window to the last one. Once again change the Model from Character to Object, only this time leave the speed at 100. Then find and "Check" the Disable Motion After Action box. And select object 152 (Door Single B) for your model (unless your taste prefers another door) again.
Events > Movement > Bypass Members
When the window for this command opens, "Just Say 'Yes'" (with apologies to Nancy Reagan).
Now, name this script "Door : Open" and that's Two!
Almost done scripting. Now make a normal "Content" script. It, too, is only one line and should read:
Sound : SFX [Creak] Volume=100 Pitch=0 tempo=100
This is done via the commands:
Sound > SFX
and selecting Sound 035 [Creak]. This is just for effect and so you know where the content script goes for if you want to get fancy later.
Name this script "MOO!" for no good reason.
Now we need an event for these scripts, but first a detour over to :
Game > Game Settings > Custom Tab > Flag
Then select an unused one. I usually start at 989 and work back (the system sometimes uses the "Temporary" flags and variables). So, for those who can't decide, I'll just order you to use flag 989 unless you feel confident selecting your own. Highlight it and press X.
Now rename it to Door 1. This not only makes life easier when you need another flag (you can tell at a glance that you already used this one) but makes it easier to read in the event page conditions... which, conveniently, is our next destination (after another detour).
Exit Game Settings and save your changes (Update and Exit).
I do everything in crazy sequences (I am not at all a well cat) and now have to go back to the content script we created and add a second line which will read:
Data:Flag: [Door 1] On
This is created with the following sequence:
Data > Flags
and selecting "Single Flag," highlighting and entering the list, going to the flag we renamed (989) and choosing it. Then go to the bottom of the window and choose "On" from the Change options.
Now go to Scripts > Events and choose Create New Data.
Give the new event a name if you like (Door 1 is a good idea... it matches the flag).
Events default to page zero. On this page scroll down to the "Display Type" option. Select object from the drop down menu.
Right below that is the "Model" thingy. Select object 152 (Door Single B) (unless your taste preferred another door).
Below that is the Motion slot. Highlight that and choose our "Door : Closed" script.
Below that is the "Start" option. It defaults to Touch. Leave it alone unless you want to get fancy (more on that later... just get the basic version working first).
And the last bit is the Apply slot. For that select the Content script we created and then modified by adding the flag command (remember "MOO!"?).
Next we need a second page for this event. Up top, where the Page 0/0 data appears is an option labeled "New." Highlight that and press X. Select the same model (Display Type = Object / Model = Object 152 {Door Single B}). Now go to the Motion slot and choose our "Door : Open" script.
In the middle of the page is a big list for "Conditions." Pick the first one and make as a condition "Flag: Door 1: On" (if you can't figure this one out after all this, go take some Logic courses (I tutor Logic as well as Chemistry, Physics, Math and just about anything else I can get somebody to pay me for... you're not paying, so do this one on your own)).
Now we get to place it. Go to Event Placement and put it somewhere logical (or not if you think that way). Go into Test Play and walk up to it, bump into it, watch in awe as it opens all by itself, rejoice with great gladness and walk through the door.
To get fancy you could add a wait command to the content script (right after the Single Action command) so the player can't walk through it as it is opening. That is also the script where you would put your password requests, messages, traps, or whatever else your devious mind decides. Although most of those would go before the door opens in the script.
Change the model to a chest and you have the working scripts for a chest! Just remove the Bypass Members and add the rewards and messages as above. You could even create a second content script for page 2 of the event (shows up as page 1/1 because they start at 0) which states that the chest has been emptied already. For Chest events you may wish to change the Start Condition to Examine instead of Touch, but it still works either way.
Wasn't that simple?


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OSAKA -- Panasonic aims to start producing refrigerators in India in 2018, pursuing a bigger slice of a market with a major South Korean presence.
The Japanese electronics giant has budgeted roughly 20 billion yen ($176 million) to open two or three plants, envisioning a refrigerator supply chain serving all of India. By deepening ties with mass retailers in the country, it aims to triple sales there to around 1 million units per year, Panasonic's highest volume of fridges in any market.
Land and cost surveys have already begun, with construction to start by March, and operations to launch in 2018. Potential sites in India's northern state of Haryana, as well as Mumbai in the west and Chennai to the south, have been floated, with purchase negotiations to commence soon.
Panasonic sells roughly 350,000 fridges per year in India. Some are made at company plants in Thailand or Vietnam, with others outsourced to local Indian companies for production. The company will shift its supply from imported units to locally built ones as the new factories get up and running. Going local will both keep down production costs and drastically ease transportation expenses. With its new on-the-ground development capabilities, the company will also be able to tweak its products to meet the demands of the market.
The company is also considering hiring more local personnel to help reinforce its supply system to important Indian mass retailers. The aim is to draw retailers with the strengthened lineups of Panasonic-brand consumer electronics -- which also include TVs and air conditioners -- helping the company capture a larger slice of the market. This greater share would hopefully allow the company to hit a sales goal of 330 billion yen in India in fiscal 2018, double the fiscal 2015 figure.
In the Indian market, around 12 million refrigerators are sold every year. This figure is rising by 10% or more annually, and is expected to pass 15 million in 2020. Right now, around 80% of the market belongs to South Korean giants LG Electronics and Samsung Electronics, as well as two major Indian home appliance companies.
India's GDP grew by 7.6% in fiscal 2015, and is forecast to keep expanding at a good clip. Panasonic, intending to cultivate this growing market as a profit base on a par with Southeast Asia, currently has seven production plants there making home appliances such as air conditioners and washing machines.


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"7 Muay Thai Holiday Package" is designed for anyone who wants to combine an holiday in a comfortable resort with "real" Muay Thai training.
Around 2 hours drive from the airport (Bangkok) you will be close to a paradise beach, immersed in unpolluted nature, and ready to learn the art of Thai Boxing.
ALL INCLUSIVE price :
1 week 10.500 baht (± 300€ )
2 weeks 17.500 baht (± 500€ )
3 weeks 23.100 baht (± 660€ )
4 weeks (1 month) 30.800 baht (± 880€)
(ONLY 4 weeks price includes 1 "CR7 Drive" supplement to keep hydrated and increase resistance in training).
What do the packages include:
– 2 daily training sessions (Morning 7.00 AM – Afternoon 3.00 PM) *
– Accommodation in a shared room with 5/8 single beds with big ceiling fan
– 3 daily meals (food is served in a restaurant outside the resort) *
(We serve healthy Thai food, a special menu for athletes, without the use of salt, sugar & MSG read more)
*No training and food on Sunday
New rules applied from October 2018: Shared rooms (boxers rooms) are available only for students aged over 20.
IMPORTANT: prices are valid only for advance booking and payment.
Walk in price (without reservation) starts from 2.000 baht per person per day.
For bookings contact us at firstname.lastname@example.com