text:
The hon. Gentleman has had his chance. Nearly all our debate has been Opposition Members making speeches and interventions. I am trying to correct—and, given my role, I believe that I have every right to do so—the balance of the comments of the Opposition spokesperson on education. I wish to balance what she described as a national crisis, in which schools would fall to pieces tomorrow, with the fact that that is a relatively minor problem. I accept that it is serious problem, but I am trying to put it in perspective.
In conclusion, I was trying to talk about the partnership that makes education work. It is a partnership in which the media have responsibilities. I picked out the "Today" programme but, generally, we have a very good and highly responsible educational press in this country. It joins the argument and, more often than not, raises the level of debate and discussion. However, even when the broadsheets get into the education field, too often we see a different aspect.
I have to say at least one uncomfortable thing to my own Front Bench, just to balance the fact that I have been rather kind on the question of whether or not this is a crisis. Some of us who represent English constituencies will increasingly question the ability and resources of three parts of the United Kingdom but especially one in the news at the moment—Scotland. We shall ask how Scotland can spend a great deal more money on education than England apparently can. I have the figures from the Library. Per capita, £814 a year is spent on education in Scotland. In England, that figure is £636; in Northern Ireland, it is £896; and in Wales, it is £645. Thus England is at the bottom.
Many of us who remember the original balance of resources that flowed from the Exchequer to different parts of the United Kingdom question very much the generosity of the Barnett formula, which gives Scotland the ability and resources to afford that sort of expenditure per head. English Members of Parliament—including some on the Front Bench, I am told—will increasingly question the Barnett formula and the flow of resources to Scotland, compared with the flow of resources to other parts of England.
If one speaks to people in the private sector and reads the Nuffield report, one sees that teachers like working in the private sector because more emphasis is placed there on the ability to teach than on keeping discipline. No Opposition Member commented on the disgraceful intervention made by the hon. Member for Buckingham (Mr. Bercow), who said that the role of teachers in most state schools was to provide crowd control. That is a gross travesty. We should consider the damage that one such Back-Bench remark can do when it is reported in the press and teachers read it. [Interruption.] Opposition Members do not know the hon. Member for Buckingham as well as Labour Members; we understand exactly where he is coming from. It is damaging that an hon. Member can make such comments with no reprimand.
I want to provide some balance. Of course there is a problem with discipline in some schools and we must get to the roots of it. In my first education speech in the House, I suggested that it was about time that we gave kids with less academic ability something constructive to do. The number of experiments on getting kids into more work-related activities—such experiments have so far been conducted in 21 schools, where they apply to children at the age of 14—should be increased. Furthermore, we still underrate the value of information technology training for that sector of pupils. The standard of information training in Britain is still well below that in many of our European competitor countries. I want this country to become the information and learning society of Europe and to be determined to use every resource to be the most successful country in achieving that.
My experience in schools suggests that giving less academically able children the opportunity to gain IT skills early on allows them to contribute, makes them feel valued and gives them self esteem Research also shows that that is the case. I hope that the Government listen to that message, as such opportunities make life in the classroom so much easier and better. Where they are available, the whole school will benefit from all the children feeling valued and having value.


text:
Emryn Wealth offers various services including life assurance, small business advice, tax, retirement, investments, bond finance and more.
Emryn Wealth Feature Part 5:
Ryan McCracken joins us in studio to discuss life cover.
Emryn Wealth Feature Part 4:
Ryan McCracken joins us in studio to discuss life insurance.
Emryn Wealth Feature Part 3:
For our weekly financial wellness feature, we're joined by Director at CJB Insurance, Saul Chiat focusing on short term insurance with Ryan Mc Cracken
Emryn Wealth Feature Part 2: Discussing Medical Aid
In studio Ryan Mc Cracken - Director: Emryn Wealth.
Part 1: Introduction to financial wellness
The best disruptors are focused on customers, not products; they use technology rather than fear it; they create new opportunities often where...
Social Entrepreneurship is a growing movement in South Africa as a way of connecting business and 'doing good'. Knowledge-sharing about this sector...
The Nedbank Business Accelerator Campaign celebrates entrepreneurs who build the businesses that South Africa needs.
In this series Business growth...

domain: finance


Local Live Music Gets Texan Twist
Carolyn Martin is a recent addition to the local music community. Born in Texas, Carolyn lived in Nashville for many years before relocating to Fort Wayne in 2016. Before moving to Indiana, Carolyn was best known as a Western swing singer–a style of music similar to big band swing, but with fiddle and steel guitar instead of trumpets and saxes.
Martin is a member of the Western Swing Hall of Fame and the Texas Western Swing Hall of Fame, and has been honored as the Western Swing Singer of the year by organizations including: the Western Music Association, the Academy of Western Artists and the Ameripolitan Music Awards.
Martin has been described as one of the finest Western swing singers in the business.”I have grown increasingly in awe of Carolyn’s talent: her taste, her musical sensibility, the thoughtfulness and care she brings to every line of every song she sings,” said Ranger Doug of band Riders In the Sky.
And Vince Gill simply said, “Carolyn Martin is a great swing singer.”
From her early days playing Texas dance halls and honky-tonks through the 11 years she spent as a member of the Grammy-nominated Time Jumpers to her current tours with Carolyn Martin’s Swing Band, Martin’s live shows have always aimed to deliver.
Martin performs at Don Hall’s Guesthouse, 1313 West Washington Center Road, Wednesdays 7-10 p.m. and is usually accompanied by her husband, bassist Dave Martin. “We don’t limit ourselves to playing only swing music at the Guest House, because there are so many great songs out there. When our trio plays, we’ll usually play more songs from the Great American Songbook. But if we’re playing at a local bar with a five piece band, or at a street festival, we may play a lot more classic R&B or country music,” said Martin. “We love it all.”


text:
Watch it now
Critic Reviews for Inbred
For a feature debut, co-writer/director Alex Chandon seems to be trying to accomplish too much... As seen here, the result is a confused and bloody mess.
Inbredhad such fun with the kills, that the film practically rolls around in all of that blood itself.
Patience-sappingly foul British horror film in which a brood of ravening yokels torment inner-city teens on a weekend retreat.
Audience Reviews for Inbred
A gorier, less entertaining version of Royston Vasey.
Severence meets The Hills Have Eyes in this extremely gory and very un-politically correct horror film concerning a group of troubled teens and their two counsellors who take a trip into a hick village somewhere in Yorkshire to do some vague maintenance/community projects, and find themselves in a community of very odd looking and strangely behaved people, who inevitably turn violent. As with something like the Final Destination films, the dubious pleasure of this film is in the variously gross/ingenious/stupid deaths (which here include sexual assault by vegetable and death-by-proxy of a ferret). The pastiche aspects are less successful although there occasionally some funny lines (which tend to be prior to the bloodshed), but it's the gore-effects that mark the film out.
There are no approved quotes yet for this movie.

domain: entertainment


text:
The Limestone Coast South Australia
I wonder if you are like me. I read about a place or see a television programme about a tourist destination and I want to go there. Sometimes it is because I have never been there and it looks so inviting and so beautiful or interesting.
The Limestone Coast of SE South Australia
Sometimes it is because I have been there already and the story brings back very pleasant memories. That happened this morning when I was reading the travel section of The Advertiser, the daily morning paper in South Australia. The article covered the area known here as the Limestone Coast. The south east part of South Australia is dominated by limestone, hence the name.
A few years ago my wife and I had a wonderfully relaxing holiday in this part of our state. We stayed in a cabin in one of the caravan parks of the town of Robe. From our cabin we had a beautiful view out over the bay and along the beach. This beach is one of the few that you are able to drive on. It is also perfect for walking on, or just plain sitting there watching the waves gently roll in on to the sand. There are times in the lives of each one of us where one just has to sit on a beach – and do nothing – except watch the waves come in.
The birding around Robe and along the Limestone Coast is quite good too. We went for several drives along the coast south from Robe, calling in several Conservation and National Parks along the way. All of them are good birdwatching spots. There are also some good camping and picnic areas as well. Even near to the town itself there are several places for great birding.

domain: travel


Over the Rainbow
The shawl was knit using two strands of yarn throughout. For this sample I used a mix of Holst Garn yarns and by holding the same grey alpaca throughout, it gives the stripes a very soft contrast. Of course, the shawl could also be knit holding only one strand of either Fingering or Sport weight yarn.
The triangular body of the shawl is knit first from the bottom up, in soothing garter stitch and the border is knit sideways (knitted-on border).
This is the ultimate relaxing project (especially if you forgo the border!) and the result will keep you cozy in every season!
You will need: Approximately 975 metres / 1066 yards of Holst Garn Titicaca (Silver Grey) (MC1)
Approx 700 metres / 766 yards of Holst Garn Coast (MC2 – Putty)
Approx 12 metres / 13 yards of Holst Garn Supersoft (CC1 – Opal)
Approx 63 metres / 69 yards of Holst Garn Supersoft (CC2 – Maize)
Approx 109 metres / 119 yards of Holst Garn Supersoft (CC3 – Sweet Pea)
Approx 122 metres / 138 yards of Holst Garn Tides (CC4 – Sea Lavender)
A 3.75 mm / US 5 circular needle
178 cm / 70 inches (wide) and 84 cm / 33 inches (deep) including the border after blocking (i.e. washing and drying)
19 sts and 36 rows = 10 cm / 4” in garter stitch with a 3.75 mm / US 5 needle (after blocking) (the gauge isn’t crucial but it could affect the size of your shawl)


Two women are asking that a judge order a New Jersey police department to release patrol car dash-cam video that allegedly shows officers assaulting them. The alleged assaults occurred at one of the police department’s DWI checkpoints.
The two Clifton residents were riding in a car that was stopped at DWI checkpoint on Route 46. They were given sobriety tests by police working at the site.
One of the women produced her Blackberry and began recording the events before being told to stop the recording by a Ridgefield Police captain at the checkpoint. When she refused, the officer reached into the car and tried to forcibly remove the phone from her. She was able to thwart the officer’s attempt and tossed the phone to her friend sitting in the back seat of the car.
The police captain became angry, dragging the woman from the car and forced her onto the ground before placing handcuffs on her wrists. Officers also arrested the other woman riding in the car and both were taken to a holding cell at the police station. They were charged with obstruction and resisting arrest.
The women say that police entered the cell where they were being detained to tighten their handcuffs. After being released, the women went to a hospital emergency room for treatment.
The driver of the car in which the women were passengers had a blood alcohol level of 0.15 percent. The legal limit is set at 0.08 percent. Police arrested him for DWI.
An attorney for the women requested a video from the police dash-cam showing the incident. A police official said that there was no video of the DWI checkpoint incident. He added that there were video recordings of the police lobby, holding cells and areas where officers congregate.
Source: North Jersey.com “Women seek recordings they say show cops assaulting them,” KIBRET MARKOS, Sept. 15, 2011


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41st annual Shriner's Circus returns to Johnson City
JOHNSON CITY, Tenn. - Tigers, flying trapezes artists, and more; the Shriner's Circus is back in Johnson City. This year marks 41-years of circus fun with over 25 different acts. The circus is an annual fundraiser for the Jericho Shriners fraternity chapter. That money goes back into the community through organization donations and events.
"We like doing it for the children, the circus is mostly for children, parents can bring their kids out and have a day at the circus," says vice president of the Jericho Shriners Michael Ponder.
"It's something that we come out for every year. This is my daughter Addison, and it's something that she really enjoys, and we also like to support the Shriners," says Barbara Greene of Abingdon, Virginia.
The circus will have one more show on Saturday, that's at 7:30 P.M., and two shows on Sunday.


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b&h mod apk（MOD (Unlimited Money) v2.6.260）
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2、108 Monsters Mod 108 Monsters v1.01.02 (MOD, Infinite HP) Features:MOD, Infinite HP108 Monsters (MOD, Infinite HP) - Collect your invincible and fearless squad and fight with the most terrible bosses and leaders. Travel the vast and large open world and attack the enemies, defeating them you will get a reward that will help you in passing. The game has a good 3D graphics and excellent management, the game takes you into a very beautiful and incredibly interesting world in which violence reigns. And the outcome of each battle depends only on the speed of the movements of your fingers.Super bunny2(Unlock level)
3、
Equestriad World Tour is a recently released sports game from GoGallop Studios that sees players both looking after horses and taking part in various competitions with them. It's available now for both iOS and Android as a free-to-play title.

Players will be able to both nurture and train their horse to become a champion performer. There will be several different breeds to choose from and multiple competitions to compete in. This will include the likes of dressage, cross-country and jumping events all over the world.

There will also be a great deal of customisation on offer too. Players will be able to create their own character and adorn their horse with various items that can be purchased from the Tack Shop. There are over 100 of them for players to buy and select between so there will likely be something for everyone on offer.

To bring a greater sense of authenticity to the game, Equestriad World Tour has launched with more than a dozen riders with their likenesses all recreated in-game. The licensed characters available include the following:

4、VR Classic Cars Show Mod VR Classic Cars Show Mod (paid) 1.4 Features:Paid for freeVR Classic Cars Show Mod (paid) 1.4 APK MOD is published on 2019-10-38. Download and install VR Classic Cars Show Mod (paid) 1.4 APK file (43.68 MB). Over 40 users have download this mod. They rate a 3.6 of 5 about this Mod. To install VR Classic Cars Show Mod (paid) 1.4 APK file. Your android device version should be at least 2.3 and up and the device is not need root. VR Classic Cars Show Mod (paid) 1.4 APK works very well on 42 users's device. The size about VR Classic Cars Show Mod (paid) 1.4 APK is 43.68 MB. You can download VR Classic Cars Show Mod (paid) 1.4 APK to get unlimited money and win easily.
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Worry no more Android fans – Fortnite, arguably the biggest game in the world right now, is hitting your platform sometime this summer.

There's not much more information than that right now, sadly, but Epic did outline a number of other changes coming to the game in its recent State of Mobile blog post.

Be sure to check out our ultimate guide to Fortnite to help you grab those Victory Royale's no matter where you are.Chief among them is the ability to customise your HUD, allowing you to put your various buttons and joysticks wherever you like on screen if the default setup isn't working for you.

- "Like my lad Davy at home," said Anne. "He wants tales that reek with gore."
- Additionally, if you find your fights challenging and think it hard to win the battles, then we are here for your help with Wrestling Empire Mod APK. In this Mod Apk, you will get many premium benefits free without even paying a single penny. In the premium version, you get VIP access, unlock skills, unlock the character, and many more things that you will goona explore all in the further article.!
FUTBIN 22 Database & Draft Mod FUTBIN 21 Database & Draft Mod APK 8.14 Features:PlatinumStart exploring FIFA Ultimate Team 17 Database with FUTBIN app: • Get up to date player prices.• Watch the price trend of a player using an historical price graph.• Automatic FUT 17 Tax calculator which will calculate the EA Tax and your Net price.• Consumables prices including contracts, fitness, position and chemistry.• Detailed player Stats.• Player info and T&S(Traits and Specialities).• Team Of The Week (TOTW) List.The Boy Hunting Locusts
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- Enter the game.

domain: hobby


text:
An increasing number of scientists working to raise agricultural productivity see the potential in the roots and the soil adjacent to them, together with a wealth of micro-organisms. The first mechanisms activated in the plant during any abiotic or biotic stress concern changes in the oxidative status of the plant. With this in mind, for the first time, an attempt was made to check whether the inoculation of seedlings of the model plant Medicago truncatula with rhizobacteria belonging to the genus Pseudomonas (P. brassicacearum KK5, P. corrugata KK7), Paenibacillus borealis KK4 and a symbiotic strain Sinorhizobium meliloti KK13 would change the oxidative status in the days following inoculation. Initially, an increase in H2O2 synthesis was observed, which led to an increase in the activity of antioxidant enzymes responsible for regulating hydrogen peroxide levels. The main enzyme involved in the reduction of H2O2 content in the roots was catalase. The observed changes indicate the possibility of using the applied rhizobacteria to induce processes related to plant resistance and thus to ensure protection against environmental stress factors. In the next stages, it seems reasonable to check whether the initial changes in the oxidative state affect the activation of other pathways related to plant immunity.
|Data udostępnienia||1 sie 2023, 13:38:30|
|Data mod.||1 sie 2023, 13:38:30|

domain: agronomy


Measurement & Analytics
Products, solutions and services for the mining industry
To operate any process efficiently, it is essential to measure, actuate, record and control. In selecting ABB you are choosing a partner who is offering the best measurement and analytical solution for your needs, enabling maximum return on your investment. When investing in ABB’s measurement and analytical solutions you are receiving the best technology, reliability and service in the business.
ABB’s Measurement & Analytics Division is among the world’s leading manufacturers and suppliers of instrumentation and analyzers, providing comprehensive measurement and analytical solutions serving the mining industry including flow, pressure, temperature, level, thickness, flatness and tension measurement, valve automation, liquid and gas analyzers.
With the significant challenges that miners face with the availability of water, increasing regulation and harsh process conditions the need for robust and dependable analysis is crucial to ensuring optimum process efficiency and environmental compliance.
Dedicated to optimizing productivity and performance, ABB’s certified services enable improved utilization and performance of automation equipment, processes and personnel. ABB provides support from the planning phase through to commissioning and full lifecycle servicing, according to international industry standards, enabling utmost safety and environmental protection.
For all this, ABB is your best partner for the Mining Industry
Panamá, México & Argentina


text:
Scan day: 02 February 2014 UTC
Virus safety - good
Description: Find answers to steam heating problems by posting questions for experts or reading excerpts from books about heating.
Get answers in our discussion forum, How To Get The Most From Those Older Hot-Water Heating Systems Our friends at OESP are sponsoring this one. In this all-technical three-hour ... In this all-technical three-hour seminar, Dan Holohan will give you a Liberal ...
Size: 263 chars
|Page title:||Heating Help - Heating Systems|
|Keywords:||heating help, heating systems|
|Description:||HeatingHelp.com is the place to go for information about Heating Systems - both old and new. Visit our discussion board to ask questions and get answers right away! Open 24/7.|
Name Server: NS.RACKSPACE.COM
Name Server: NS2.RACKSPACE.COM
Creation Date: 15-jul-1999
Expiration Date: 15-jul-2016

domain: library


text:
To celebrate the 30th anniversary of the Velvet Revolution, Prague’s Petřín Tower – which was modeled after, and strongly resembles, the Eiffel Tower – will lit up in blue, white, and red.
November 17th is a very important day for Czechs for two reasons.
The original event that 17 November commemorated was the resistance of student demonstrators in 1939 to the Nazi occupation of Czechoslovakia. Initially, a student named Jan Opletal was shot in a protest and died on 11 November.
His funeral, attended by thousands of students, turned into another anti-Nazi demonstration.
One witness to those events said that the Gestapo and German soldiers had swept into student dorms in Prague, Brno, and Příbram, and dragged students off to Ruzyně prison. Nine student leaders were murdered by the Nazis and more than 1,000 sent to concentration camps.
As a result of these tragedies, in 1941, the 17th of November was marked as International Students’ Day.
Fifty years after such oppression, in 1989, Czech students organized a demonstration to commemorate the student martyr Jan Opletal and the International Students Day. It started off as an officially-sanctioned march but turned quickly into demonstration demanding the resignation of the country’s communist government. Students were brutally beaten by riot police.
This demonstration, which took place on November 17, 1989, is believed to have sparked the Velvet Revolution which eventually led to the freedom of the Czech people.
The special lighting was not a first-time event. On public holidays and other important dates, the tower has also been lit up in red, white, and blue after the Czech Republic flag.
Petřín Tower was built as part of the Jubilee Exhibition in 1891 as a loose copy inspired by the Eiffel Tower (at a ratio of 1:5). It is 63.5 metres high, and 299 steps lead to its peak, which is at the same altitude as the real Eiffel Tower.

domain: sociology


text:
Final Revision: Editors Comments
I spent about the last three weeks doing a very deep slow edit of my collection. Addressing the editor’s comments and adding my own. This was the hardest job of editing I’ve ever done. Eleven of the fourteen stories needed the most work. I was amazed at the things I and the editor had missed in prior revisions.
1.Dialogue attributes: the editor added numerous attributes throughout the MS like: whined, ordered, notified, and called. Most were deleted, to others I added character actions.
2.Logistics: the flow of scenes and characters among the scenes. Because some scenes were deleted, moved or revised this was an area I took a hard look at. The short story by its nature is dynamic. Depending on the change the entire dynamic of the story can change.
3.New scenes and dialogue.
4.Cleaning up wordiness, passive sentences and overused words like that, just, really, etc.
5.Endings. Two of the stories had new endings as a result of the movement of scenes or new scenes.
6. Inconsistencies throughout the MS.
I used both the Grammarly and ProWrite programs as part of the editorial process.

domain: artistic


text:
A thriller set two hundred years in the future following the case of a missing young woman who brings a hardened detective and a rogue ship's captain together in a race across the solar system to expose the greatest conspiracy in human history.Watch The Expanse online
|Genres:||Drama, Sci-Fi & Fantasy, Sci-Fi & Fantasy, Sci-Fi & Fantasy, Mystery|
|Number Of Seasons:||3, 4|
|Created By:||James S. A. Corey|
|User Score (votes):||7.5 / 10 (589,619,632,638)|
Writers often seen in this show:
Embed quotes on your blog or websiteEmbed quotes
The Expanse Characters
About the author
This page was created by our editorial team. Each page is manually curated, researched, collected, and issued by our staff writers. Quotes contained on this page have been double checked for their citations, their accuracy and the impact it will have on our readers.
Kelly Peacock is an accomplished poet and social media expert based in Brooklyn, New York. Kelly has a Bachelor's degree in creative writing from Farieligh Dickinson University and has contributed to many literary and cultural publications. Kelly assists on a wide variety of quote inputting and social media functions for Quote Catalog. Visit her personal website here.
Kendra Syrdal is a writer, editor, partner, and senior publisher for The Thought & Expression Company. Over the last few years she has been personally responsible for writing, editing, and producing over 30+ million pageviews on Thought Catalog.

domain: literature


text:
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domain: game


text:
About a dozen lenders, including some of the large state-owned entities, such as Rural Electrification Corporation and Power Finance Corporation, would be approached for equity participation in the bad bank — being positioned as a national ARC.
Mumbai: Banks will transfer sticky loans to the proposed ‘bad bank’ that have been fully provided for in their books. This will be done after lenders with at least 75% exposure agree on a deal — the norm that will distinguish the new institution from existing asset reconstruction companies (ARCs) in the country.
About a dozen lenders, including some of the large state-owned entities, such as Rural Electrification Corporation andPower Finance CorporationNSE -2.13 %, would be approached for equity participation in the bad bank — being positioned as a national ARC.
The broad contours of the ARC, which would focus on acquiring loans above ₹500 crore, were discussed at a recent meeting between CEOs of some of the large banks and senior finance ministry officials, two persons privy to the talks told ET.
Since ‘security receipts’ (SRs) issued by the national ARC will be partly backed by the government, the Reserve Bank of India may consider new regulations for it. Current RBI rules require banks to auction any sale of loans to ARCs towards deriving the maximum realisable value from the asset and the collaterals.
ARC-Bank Deals in Slow Lane
In a loan sale transaction, an ARC has to pay the bank at least 15% of the agreed amount in cash and the balance as SRs which are like seven-year bonds. The ARC is expected to focus on recovering the loan through negotiations and legal means to service the interest on SRs and redeem the instruments while the bank (holding SRs) pay an annual fee to the ARC. Thus, SRs are similar to ‘junk bonds’ with less than 30% receipts, according to industry estimates, having been redeemed by ARCs till now.
However, SRs even with a partial backing of the government will be comparable to quasi-sovereign securities. Understandably, an ARC issuing such government-backed SRs would be preferred by a bank while selling loans. “The guarantee, we believe, would be for a finite period, may be the first few years, and not for the full tenure of SRs. A full guarantee by the government carries a moral hazard,” said a senior banker.
Asset’s Realisable Value
Deals between banks and ARCs have slowed down in the past few years due to disagreement over the realisable value of an asset. State-owned banks are unwilling to sell loans below the amount net of provisioning.
Consider, a loan of Rs 100 crore that is categorised as non-performing asset (NPA), attracting, as per RBI’s prudential regulations, a provisioning of Rs 30 crore — the amount that has been reduced from the bank’s profit and loss account in a particular year. Here, the bank would be reluctant to sell the loan below Rs 70 crore because a sale below that price, say at Rs 50 crore, would mean an additional hit of Rs 20 crore.
So, while the bank may peg the realisable value of the loan (after exercising all legal options) at not less than Rs 70 crore, the ARC may believe that the real market value of the loan would be Rs 50 crore or even lower. Thus, bankers terrified of being pulled up later by the government agencies for selling loans below ‘realisable value’ have held on to NPAs.
Less to Fear
However, banks may be more willing to part with loans on which 100% provisioning has already been booked. Besides, there would be less inhibition and fear in selling loans to an entity like the national ARC which is partially backed by the government. NPAs that are partly provided can be sold to other existing ARCs.


text:
About the Author
Dan Metcalf is a writer and author of children’s books such as The Lottie Lipton Adventures and Codebusters. He works a great deal with schools, libraries and festivals to promote reading and creative writing. He lives in Mid Devon with his wife and two sons and describes himself as a ‘Professional Daydreamer’. He enjoys books, films, comics and making up stories. He has so far absolutely refused to grow up.


text:
GO-TO SPOT – MENORCA
The lesser known sister of Ibiza and Majorca but still a beauty in every way, this tiny Balearic island has a tranquility that can’t quite be found on the other two isles.
Things to do:
Take a boat ride along the south coast of Menorca and enjoy the sights of virgin beaches and fine sand while you’re sipping on sangria and eating paella (which you get to make yourself).
Get a taste of wine and learn how it’s made at the Binifadet Winery. Price? On the house, baby! A walk around Plaçad’es Born is an absolute must. Hundreds of years of history, art, and culture is preserved within the island’s town square.
Where to stay:
Since Menorca will be quite an expensive trip, cut your hotel budget by staying at Hotel Balear that have rates that dip as low as RM90 per night.
TOWNSCAP E LOOKING THE TRANQUIL
ISE STRETC WATERS
KNOW N RCAIS MENO SUNSE
TS FOR ITS

domain: geography


As the season begins to grow into summer, the farmers market in Scotts Valley is back on the front burner. This time the farmers market is open on the same day as the Scotts Valley Farmers Market, which is in a different location. This allows for easy access to the farmers market and also allows for the Scotts Valley Farmers Market to be more accessible to the Scotts Valley business community.
While the Scotts Valley Farmers Market is open, you can get your hands on some goodies to help you get through the summer. The Farmers Market sells a variety of organic foods, including fresh produce and berries, meats, seafood, and baked goods. In addition, the Scotts Valley Farmers Market also carries a variety of arts and crafts for sale, including jewelry, pottery, and furniture.
When I first began farming in the valley, I was one of the only people to learn how to farm on the farm. However, when I got a job in a manufacturing facility, it became clear that it was also the job of a farm worker. By the time I got a job in the factory, I still lived all of my life in the valley.
I was one of only a few people in the valley who knew what an “outdoor” was, and that it was the most obvious thing to do with food. So when the Scotts Valley Farmers Market opened in 2011, I thought it was a good way to get to know people in the area. While it’s a little different than other markets, I’ve found it to be a great place to buy fresh food and get a piece of the local art and culture.
This is the title of a new episode of the new series called ‘Business with pleasure’. It’s called ‘the business with pleasure’ and it’s a great way for people to get to know your local farmers. You can get to know your local farmers by visiting the farming web site www.grantfarm.
The main character’s house is in the middle of a valley, so you can’t really see it there. But the valley is a beautiful place to live by the water, so it’s a great place to come up to the farm, and to walk around the farm. It’s a great place to get to know your local farmers, as well as to learn what they do for a living.
The main characters are a pair of farmers who share the same farm. When Colt and Arkane visit the farm, they’re actually the same pair, and they seem to be in a very similar mood. The farmers are all happy and happy people with their crops. The farmers don’t get mad when they visit the farm, but they get a little bit pissed and go wild, while the farmers are happy and happy again.
This is a great place to get to know your local farmers, as well as to learn what they do for a living. The main characters are a pair of farmers who share the same farm. When Colt and Arkane visit the farm, theyre actually the same pair, and they seem to be in a very similar mood. The farmers are all happy and happy people with their crops.
A couple of good stories have just been posted on the web regarding the two farmer-friends who have been in a relationship with Colt for a few months. The story is mostly about them, but it also has three characters that are related to each other. The first character is a farmer who lives in a valley and the first character is a farmer who is a farmer who has been living on the farm for a while.


Talented young footballer Ben Heal has joined West Ham United's academy from Cambridge City after being signed to a two-year deal by the Premier League club.
Heal played for Cambridge City under-14s and was particularly impressive last season.
City under-14s manager Mark Pleasants got in touch with West Ham to get them to have a look at the youngster in action, and they were suitably impressed, offering him a trial at the club straight away.
Another impressive display resulted in him being offered the place at the academy.
"As soon as Ben joined from Bluntisham he fitted straight in with the lads, worked very hard and gave 110 per cent effort in training and games," said Pleasants.
"What immediately stood out to me was when the going got tough Ben got tougher.
"Off the pitch Ben is a very polite, happy-go-lucky lad, on the pitch he is a 'mean machine'.
"It became obvious he had the potential to keep moving forward.
"Ben has been a real pleasure to manage and I wish him every bit of luck in his future football and growing into a fine young man."


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BioWare, the developer behind EA’s Dragon Age and Mass Effect franchises, has released a new trailer for its next Mass Effect game and it teases a connection to the original trilogy and the Andromeda sequel, and maybe even a new protagonist. Since yesterday was November 7, known as N7 Day in the Mass Effect community as a reference to the N7 Systems Alliance military in the series, BioWare launched a countdown on a special Mass Effect “Epsilon” web page.
A decoded message says the following on the site now:
/////ACCESS CODE: EPSILON
/////ACCESS CODE ACCEPTED
/////SECONDARY ENCRYPTION DETECTED
/////ANDROMEDA DISTRESS SIGNAL DETECTED
/////YEAR SENT: [REDACTED]
/////AUDIO TRANSCRIPT: ALTHOUGH THEY SHOULD KNOW BY NOW NOT TO UNDERESTIMATE HUMAN [REDACTED]
As you can see, this transcription mentions a distress signal from the Andromeda galaxy, which was the setting of the fourth Mass Effect game that took place more than 600 years after the events of the original Mass Effect trilogy. Then, following this teaser, BioWare released a new 30-second trailer that hints at a connection to those original games.
Watch the N7 Day 2023 teaser trailer for yourself below:
As you can see in the trailer above, the person in it is clearly wearing something with the N7 insignia, harkening back to the first three Mass Effect games. And, while we don’t yet know who this character is, given the way BioWare is hyping them up, we wouldn’t be surprised if they were the next Mass Effect protagonist. Here’s a better look at them, from BioWare’s official Twitter account:
BioWare revealed its next Mass Effect game during The Game Awards 2020, with a teaser that featured the original trilogy character, Liara, and a broken relay message. We got another hint in 2021 with a special N7 Day image, and another clip of the game the following N7 Day in 2022 that featured a hidden audio message to decode. Yesterday’s N7 Day tease marks the third year in a row we’ve learned just a little more about BioWare’s next Mass Effect.
This tease follows news from August that BioWare was laying off 50 employees, many longtime veterans of the studio, as part of a studio restructure.
What do you want out of BioWare’s next Mass Effect game? Let us know in the comments below!
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text: D-Line mice present impaired motor coordination. The number of slips by male and female D-Line mice compared to non-transgenic littermates were measured with the challenging beam walk test in 6 (A), 9 (B) and 12 (C) months old individuals. Graphs show mean ± SEM; t-test. When analyzed by one way or two way ANOVA followed by Bonferroni’s post hoc test, factor transgene, no significant changes were observed. (A-C) D-Line male: n = 6; D-Line female: n = 6; wt male: n = 6; wt female: n = 6. (D) Pooled data of either sex on nest building behavior of D-Line mice compared to non-transgenic littermates in 9 months old individuals. Graph represents the mean nest building score (scoring from 1–5). D-Line (n = 8); ntg (n = 6). Graph shows mean ± SEM; Mann–Whitney U-test. * p < 0.05; ** p < 0.01.

domain: biology


Buy 4x2 mixer truck at Alibaba.com and start mixing right away while saving money and time. Find 4x2 mixer truck that can serve a variety of needs and stay prepared.
Dec 17, 2019 · Skip Type concrete batching plant is a kind of concrete batching plant, It has the advantages of small footprint and short installation time. Different from the belt type concrete batching plant, the skip type concrete batching plant use the electric brake to hoist the skip (bucket) for loading the mixture with bottom shutter. The following figure is the design drawing of HZS25 skip type
Low Cost 25m3/h HZS25 Hopper Concrete Mixing Plant. jianxin brand hopper lifting type concrete batching plant 25 m3/h concrete batching plant hopper type hzs 25 Hzs25 Hopper Lift 25m3 /h Plc Mini Concretelow noise js750 concrete mixer machine construction equipment. small construction site use concrete batching plant in india spare parts.
HZS35 Concrete Batching Plant. Yicheng HZS25-75 Bucket Batching Plant makes the maximum productivity 25-75 cubic meter per hour. The batching plant adopts a modular structure that can be assembled and disassembled rapidly using common hardware. This makes it convenient to move. Hopper Lifting Concrete Batching Plant HZS-35 - Hopper Lift
HZS75 Concrete Batching Plant. Yicheng HZS25-75 Bucket Batching Plant makes the maximum productivity 25-75 cubic meter per hour. The batching plant adopts a modular structure that can be assembled and disassembled rapidly using common hardware. …
MB-K140 model is the best choice for mass concrete production on any work sites. Combining the durability, capacity and aggregate bin storage of stationary concrete batching plants with the flexibility of the compact design it becomes an unmatched solution for every professional seeking manufacturing big amounts of concrete within short period of time.
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50 50m3/H Types Of Concrete Batching Plants. 25-75 M3/H Bucket Type Concrete Batching Plant Factory China concrete batching plant manufacturer & factory list, 25-180 m3/h concrete batching plant,concrete batching plant in China.Good quality machines for China Hzs 25 35 50 60 About 88% of these are concrete batching plant, 1% are Buying plant manufacturer / supplier in china We can supply
MITNIK MTSL Spiral Type Twin Shaft Concrete Mixer is a high efficiency concrete mixing machine,which developed on the basis of advanced technology both home and abroad.It's widely used in construction,highway,railway and concrete batching plant out of its large capacity,short mixing time,low operation and maintenance cost.. MITNIK twin shaft concrete mixer from 1 m3 to 6 m3, and accepted …
Rhd/lhd 4x2 /4x4 Dongfeng Rich Pickup Truck In Gasoline/diesel Engine Delivery Immediately, Find Complete Details about Rhd/lhd 4x2 /4x4 Dongfeng Rich Pickup Truck In Gasoline/diesel Engine Delivery Immediately,Rhd Pickup,4x2 Pickup Trucks,Kiaa Pickup Trucks from New Cars Supplier or Manufacturer-Zhengzhou Dongfeng Mid-South Enterprise Co., Ltd.
It is simple in installation, compact in structure, place saving and high automation. It is mainly used for bridge, building, water conservancy project, power and other infrastructure projects. Parameters of FOCUS Lift Hopper concrete batching plant: Model HZS25 HZS35 HZS50 HZS75. Theoretical output (m³/h) 25 35 50 75.
Technical Specification. FULL BAG CONCRETE MIXER Cap: - 10/7 cft C.I. DRUM (Without Hopper) Manual feeder Full Bag concrete mixer machine (Cap: - 10/7 cft) and 4 Nos. 500-19 heavy duty Pneumatic wheels with roller bearing. Base Chassis is 100 x 50 x 5 mm & Frame is 75 x 40 x 5 mm. M. S Yoke heavy type with buses and bearing. Drum cone with 4 mm
used mobile batching plant for sale in turkey . plastic baking mixing bowls . batching plant in karachi . 25-75 Cbmh Bucket Hoist Type Compact Concrete Batching Plant . Contact. Add: No. 4529, Kangxin Highway, Pudong New District, Shanghai China. Email: [email protected] Product.
c. But skip hoist concrete plant has small land occupation, actually, their productivity is almost the same, if your construction site is limited, your ideal choice will be skip hoist concrete plant. We have skip hoist concrete plant of AJ-25, AJ-35, AJ-50 and AJ-75, belt conveyor batching plant of AJ-60, AJ-90, AJ-120 and AJ-180, you can have
MB-100W/WS HIGHLIGHTS. Heavy and stable main chassis allows extreme durability, safe transportation, continuous long-life operation and sensitive weighing by minimizing the vibrations to the scales. These models are the only ones in the range of stationary concrete batch plants that can be configured with all 3 types of MEKA concrete mixers.
There are two kinds of material conveying ways, including belt and skip hoist. Therefore, we have belt type concrete batch mix plant in Kenya and bucket type concrete plant equipment. In general, mobile concrete batcher usually is belt type and stationary on site concrete batching plant is skip hoist feeding.
The skip hoist concrete plant adopt hopper feeding way. It has characteristics of lower cost, small occupation areas and simple structure. However, its feeding speed is not as fast as the belt, which has lower efficiency. Generally, AJ25/35/50/75 type concrete batch plant for sale use this feeding way. Skip Hoist Concrete Plant.
It can produce various kinds of concrete including quaking concrete and hard concrete, with high produce efficiency, 4. The overall structure is compact and fashionable, the layout is reasonable. 5. T he operation is safe and reliable, its more easy to maintain. Type spectrum. Bucket type. HZS-25. HZS-35.


text: We did a mid-week stay and it was perfect! Accomodations were wonderful! The sheets soft and the bed cozy. No noise what-so-ever and yet the hotel was near capacity. What a great view out over the sound and the market! All the nearby restaurants were great both in food and service. The market in the morning is a perfect place to visit. The staff at the hotel helped in every way from valet parking to the restaurant reservations. What a great place!


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At Montessori Private Academy our mission is to enlighten young people by nurturing their interests and independence, inspiring them to reach their full potential and lead extraordinary lives in our global community.
- Children and the Dangers of Social Media The CEO of Apple won't let his nephew on social media. Sean Parker, one of the earliest investors in Facebook said in an interview late last year that Facebook "...literally changes your relationship with ... Read More >>
- What Time Should Your Kids Be in Bed?We all know how important a good night's rest is, particularly for children. But sometimes schedules get out of whack, time gets away from us, or children simply do not want to go to sleep. For ... Read More >>

domain: news


This card is number P.5120, an Autochrom card of the Peacock Brand, produced by the Pictorial Stationary Co. Ltd., of London. This example was posted on 15th January 1905 and dates from around that time. The caption is "Ipswich - Cardinal Wolsey's birthplace", which location is actually thought to have been in Silent Street, the road on the right. The tram is standing in St. Peter's Street and is heading towards the Felixstowe Road route having come from the railway station.
The tram shown is car 28, built by Brush in 1904 with Brush AA trucks and Westinghouse controllers and motors (2 x 25HP). The Ipswich tram bodies were an unusually narrow width of 5 foot 9 inches. The trams had seats for 24 inside on longitudinal bench seats and 26 on top on "garden" seats. Ipswich had 36 such trams built in 1903/4. The gauge was 3ft 6in. The livery was green and cream.
The Ipswich tramways began life as a small privately owned horse tramway which opened on 13th October 1880. In 1900 the Corporation took over this tramway, closing it on 6th June 1903 so that the lines could be re-laid and electrified. The new electric tramway opened for service on 23rd November 1903, at the same time extending the system to a total of 10.82 miles on four routes. The depot and power station were in Constantine Road. The routes radiated from the area of Cornhill and served the main railway station, Bramford Road, Whitton, Lattice Barn, Derby Road station, Felixstowe Road and Bourne Bridge.
After trials with three single-deck "Railless" vehicles with "Short" bodies, the system was replaced by trolleybuses in stages and enlarged. The final tram ran on 26th July 1926. Seven trams were then sold to Scarborough and one to the Felixstowe Pier railway. The body of car 33 survived, has been restored and is in the Ipswich Transport Museum. Parts of the body of car 35 are also stored. Motor buses did not appear until 1950 and the last trolleybus ran on 23rd August 1963.
Go to Postcard Of The Month Index


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Sulforaphane is a naturally-occurring compound in broccoli that possesses antioxidant activity, was identified in 1992 by scientists at Johns Hopkins University School of Medicine.
This isothiocyanate appeared to be responsible for the apparent correlation between diets rich in cruciferous vegetables and a lower incidence of cancer. Scientists subsequently determined that the compound present in the broccoli plant is the glucosinolate precursor of sulforaphane, known as “glucoraphanin” or “SGS.”
Since 1992, SGS has been studied extensively at Johns Hopkins and other prestigious medical institutions around the globe, resulting in more than 400 published studies that support this natural phytochemical’s potential to achieve early protection against cell
Silica supplements for stronger skin and joints
Silica exists in a variety of forms in nature and its component, silicon is the second most prevalent element after oxygen. Orthosilicic acid, (H4SiO4) a water-soluble form of silicic acid found in very dilute concentration in the earth’s waters, is the form humans predominantly absorb and is found in the serum fraction of blood.
Compelling data supports the many health benefits of adequate silica in the body. This is due to silica’s ability to activate the body’s synthesis of collagen which constitutes one-third of
the body’s protein. According to Xymogen, a study demonstrated a 12.5% increase in collagen in the dermis with supplementation that stimulates collagen type-synthesis in osteoblasts, enhances osteoblast differentiation, increases calcium uptake and is a major determinant in bone mineral density in men and premenopausal women.
In addition to collagen, silica has a role in the synthesis of two other “beauty proteins” – elastin and keratin. Silica deficiency may cause bone and joint deformities and disrupt mineral balance.
- Far infrared sauna therapies weekly or more
- Visit a chiropractor to balance parasympathetic nervous system
- Acupuncture to jumpstart the body’s energy system
- Soaking in an Epsom Salt bath weekly with hot water, maybe using essential oils for extra relaxation
- Dry brushing helps stimulate detoxification by offering a gentle internal massage. Using a firm, bath brush, brush your skin in the direction of your lymph. Be sure to always go toward the heart. See the diagram to the right.
Curious to learn more about the secrets to skin care and prevention? Join us on October 14 at 3:00 p.m. for our free Skin Detox Seminar.
Learn more today!

domain: chemistry


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From i-D Magazine:
Photographer Ryan James Caruthers loves a man in heels. In his minimalist images (you can usually count the colors on one hand), he captures the softness of queer masculinity. "My aesthetic is very much about subtlety," he says. "Even if the work isn't directly discussing queerness, these ideas always end up presenting themselves as hints." He began experimenting with analog photography at 14, taking self-portraits in the woods near his childhood home and posting the images on Flickr. "I admired the ability to interact with people who were similar to me even if it was purely on a visual level." One of his standout images is of a young, fresh-faced male model flexing his muscles like a WWE wrestler while wearing a crushed velvet dress. Masculinity and femininity is not an either/or decision, the photo appears to suggest; they exist within each other. And in a world where queer males are frequently forced to choose between top or bottom, femme or masc, that's a poignant statement.


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Zillow has 2 744 homes for sale in indianapolis in. The snowboard shop at the house outdoor gear helps you find the snowboard gear you need.
Our selection of snowboard boots here at the house outdoor gear provides you the best snowboard boots for sale on the web.
House snowboard. From boa snowboard boots to traditional lacing and speed lace our snowboard shop carries a variety of snow boots that will fit anyone s. We carry the top brands including burton rome sds salomon capita k2 and many more. Our men s snowboard boot selection includes the top snowboard boot brands including burton dc thirty two k2 vans and many others.
2020 snowboards for men from the house are the perfect place to start browsing for your new board this winter. The perfect day. Perfect north slopes is a ski area in southeast indiana offering skiing snowboarding and snow tubing.
View listing photos review sales history and use our detailed real estate filters to find the perfect place. Save 60 on snowboards snowboard boots bindings clothing jackets and pants. Learn more about the indiana real estate market and housing market.
Ships within 24 hours. We offer ski and snowboard lessons equipment rental delicious food options and a ski lodge where you can swap stories about your day on the snow. The effective edge is always shorter than the length of the snowboard.
Snowboards have metal edges that bite into snow to provide control and steering. These 2020 snowboards offer the latest in technology and design allowing for the best performance and making them fun to ride. A snowboard s effective edge measured in centimeters is the edge section that actually touches the snow or ice throughout your descent.
All your snowboard needs in one place. See reviews photos directions phone numbers and more for the best snowboards in franklin ma. Our snowboard shop has the best selection of boards that cover a wide variety of versatile snowboard designs.


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Benefits Of Grapes: Grapes are incredibly nutritious and delicious fruits. They have been cultivated for thousands of years. They are among the most versatile fruits and serve as one of the healthiest snacks.
Grapes are rich in nutrients and antioxidants that help to boost your energy levels. Furthermore, they are low in calories and are virtually fat-free.
Grapes are filled with potassium, proteins, carbohydrates, calcium, vitamin A, iron, and many other nutrients that help you stay healthy and active. If you start eating grapes every day, you will be pleased to see the results that will occur in your body within a month.
Here are a few reasons that explain why you should include grapes in your daily routine.
1. Grapes Keep Your Heart Healthy
Eating grapes ensures a healthier functioning of the heart. Antioxidants and polyphenols present in the grapes help in reducing the risks of cardiovascular diseases.
Grapes function to reduce blood pressure, improve circulation, curb blood clotting, and lower inflammation. All these activities make your heart healthier and stronger, reducing the risk of developing heart diseases.
So, to prevent your heart from harmful diseases, start eating grapes regularly.
2. Grapes Improve Bone Health
Grapes contain many nutrients that are essentially good for your bones. For example, grapes are rich in calcium, magnesium, potassium, manganese, phosphorus, and vitamin K, which are the nutrients needed to keep your bones strong.
Especially if we talk about vitamin K, it plays a significant role in maintaining calcium inside your bones.
Furthermore, vitamin K also increases the effectiveness of osteocalcin. Osteocalcin is a protein that is suitable for bone mineralization and promotes optimum calcium balance in the body.
3. Grapes are Good for Your Eyes
Grapes are the best fruit for eye health. Regular consumption of grapes may help protect against retina deterioration.
Grapes are rich in two major antioxidants called ‘lutein’ and ‘zeaxanthin,’ which protect the retina and eye lens. They also increase the visual range, enhance visual contrast, lessen discomfort from glare, and reduce the time the eyes recover from the stress of bright lights.
Furthermore, these antioxidants also help in lowering the risk of macular degeneration and cataracts, which are two common eye disorders.
4. Grapes are Anti-Aging Fruit
Grapes are known to be the best anti-aging fruit. They may slow down the aging process and promote long-lasting life by bringing about a positive change in your physical appearance and internal health.
A compound named ‘Resveratrol’ is present in grapes and has been shown to lengthen the lifespan in various animal species.
5. Grapes Aid in Digestion
The fluid and fiber content of grapes helps support bowel regularity, whereas the polyphenols help to transform ‘gut bacteria in ways that are beneficial for your health.
The fiber present in grapes is mostly insoluble fiber. It remains intact as it passes through your intestine. Resultantly, your bowels stay healthy.
The water in the grapes plays a crucial role in promoting the digestion process keeping your digestive system healthy.
6. Grapes Make Your Kidneys Healthier
Grapes contain two powerful antioxidants named ‘anthocyanin’ and ‘resveratrol’ that make your kidneys healthier. These antioxidants fight against free radicals and do not allow them to enter the kidneys. That’s how your kidneys get saved from diseases and infections.
Furthermore, these antioxidants play a significant role in flushing out waste products like uric acid. Nutritionists highly recommend grapes to patients who are suffering from kidney problems.
7. Grapes Reduce the Risk of Cancer
The antioxidants present in grapes are considered to be the best anti-cancer agents. These agents can help in preventing breast, colon, and prostate cancers.
Resveratrol is a powerful antioxidant that inhibits the growth of breast cancer cells. Hence, to avoid the growth of cancer cells, you must eat grapes.
Grapes are rich in several nutrients that are beneficial for your health. They have a low glycemic index and do not raise blood sugar levels.
They help in fighting against several diseases such as cancer, heart diseases, and diabetes.
So, add grapes to your daily diet and start living a healthy life.

domain: medical


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(Tucson, AZ, Mar 18, 2013) Long Realty Company is pleased to announce the opening of its new office in Casa Grande with Long Realty Partners. The office is scheduled to open its doors on March 28, 2013, filling Long Realty’s quest for a strategic location in Pinal County.
"We have a strong roster of superior Casa Grande agents who are excited to have a new office in town”, said veteran Casa Grande REALTOR® and Casa Grande Branch Manager Kindar Ashford. “This new location will help our agents continue their business growth. Long Realty’s focus on a superior customer experience and its strong brand history in Arizona truly enhance our goals of becoming one of the premier real estate companies in the Casa Grande Valley.”
“We are excited to bring the Long Realty brand to Casa Grande, connecting our substantial presence in the Phoenix and Tucson markets”, said Long Companies CEO Rosey Koberlein. “Long Realty has been working towards a presence in Casa Grande and the timing of this new location is perfect given the rebound in the local housing market. I have the utmost confidence in Long Realty Partners to represent the Long Realty brand and the mission to serve the real estate needs of the community at the highest standards.”
The new office is located at 251 E. Cottonwood Lane, approximately 2 blocks west of Trekell. Long Realty Partners Casa Grande will serve the entire Casa Grande Valley including Arizona City, Coolidge, Florence, Maricopa with additional business in the far southern portions of Chandler, Sun Lakes and other Southeastern Maricopa County communities.
For more information about Long Realty Casa Grande, visit LongRealty.com.


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Original mixed media illustration”Well look at that”seagull,seagulls,birds,original artwork,bird painting,bright colours,seaside,funny
1 in stock
Two seagulls and their emotions on this original watercolour illustration on 200gsm paper.
Size: 30×40 cm (unframed) / 29× 39 cm (actual image size)
Signed on the front and back and has white borders.
It will be carefully packed into reinforced envelope.
Please note colours in real life may vary from your monitor.
Copyright remains with the artist


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Posted by News Express | 27 April 2017 | 1,733 times
•Delta Commissioner for Commerce and Industry, Barr. Mrs. Mary Iyasere.
Delta State Commissioner for Commerce and Industry, Barr. Mrs. Mary Iyasere, has inaugurated the Project Implementation and Strategy Sub-committee of the State Committee on Export Promotion.
The ceremony took place today at Conference Room in the office of the commissioner during a meeting of the state Committee on Export Promotion.
Barr. Iyasere said that the inauguration of the sub-committee has become expedient due to the inability of producers in the state to export their products.
She charged members of the sub-committee to work towards the provision of suitable platforms for farmers in the state to export their products.
The Chairman of the committee, who is also the Permanent Secretary in the Ministry of Commerce and Industry, Mr. Arthur-Prest Umukoro, thanked the Commissioner for giving members of the sub-committee the opportunity to contribute their quota in the export promotion drive of the state.
During the meeting of the committee, two possible products for exportation, palm oil and cassava, were penciled down, while more investigations will be carried out to find out the comparative advantage of each product over others.
This is in line with the one-state-one-product programme initiative of the Federal Government aimed at boosting export.


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Adjudicator: Gary Ryan
No budding young guitarist should pass up this opportunity to play for and receive advice from one of the world's finest classical guitarists, whose teaching ability and sense of fun are almost as legendary as his playing!
There will be 33 different categories for junior guitarists to choose from, suiting every grade of performer from beginners to grade VIII.
The syllabus and entry form will be published shortly on our web site: www.westsussexguitar.org/festival
They will also be available from Ackerman Music, 42 West Street, Chichester.


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North Carolina Repossession Services
We have repossessors located in the following cities:
Charlotte, North Carolina
Our drivers will travel up to 250 miles. If you need a repo in a city not listed, we have a driver that will cover it.
Click below to order a repossession.
North Carolina Counties covered - Alamance County, Alexander County, Alleghany County, Anson County, Ashe County, Avery County, Beaufort County, Bertie County, Bladen County, Brunswick County, Buncombe County, Burke County, Cabarrus County, Caldwell County, Camden County, Carteret County, Caswell County, Catawba County, Chatham County , Cherokee County, Chowan County, Clay County, Columbus County, Craven County, Cumberland County, Currituck County , Dare County, Davidson County, Davie County, Duplin County, Durham County, Edgecombe County, Forsyth County, Franklin County, Gaston County, Gates County, Graham County, Granville County, Greene County, Guilford County, Halifax County, Harnett County, Haywood County, Henderson County, Hertford County, Hoke County, Hyde County, Iredell County, Jackson County, Johnston County, Jones County, Lee County, Lenoir County, Lincoln County, Macon County, Madison County, Martin County, McDowell County, Mecklenburg County, Mitchell County, Montgomery County, Moore County, Nash County, New Hanover County, Northampton County, Onslow County, Orange County, Pamlico County, Pasquotank County, Pender County, Perquimans County, Person County, Pitt County, Polk County, Randolph County, Richmond County, Robeson County, Rockingham County, Rowan County, Rutherford County, Sampson County, Scotland County, Stanly County, Stokes County, Surry County, Swain County, Transylvania County, Tyrrell County, Union County, Vance County, Wake County, Warren County, Washington County, Watauga County, Wayne County, Wilkes County, Wilson County, Yadkin County, Yancey County
North Carolina Cities covered - Aberdeen Advance
Ahoskie Albemarle Angier Apex Arden Asheboro Asheville Atlantic Beach Ayden
Banner Elk Beaufort Belmont Benson Bessemer City Black Mountain Blowing Rock
Bolivia Boone Brevard Bryson City Burgaw Burlington Burnsville Candler Canton
Carolina Beach Carrboro Carthage Cary Cashiers Chapel Hill Charlotte Cherokee
Cherryville China Grove Claremont Clayton Clemmons Clinton Clyde Columbus
Concord Connellys Springs Conover Cornelius Creedmoor Dallas Davidson Denton
Denver Dobson Dunn Durham Eden Edenton Elizabeth City Elizabethtown Elkin
Farmville Fayetteville Fletcher Forest City Franklin Fuquay Varina Garner
Gastonia Goldsboro Graham Granite Falls Greensboro Greenville Hamlet Hampstead
Harrisburg Havelock Hayesville Henderson Hendersonville Hertford Hickory High
Point Highlands Hillsborough Holly Ridge Hope Mills Hudson Huntersville Indian
Trail Jacksonville Jamestown Kannapolis Kernersville Kill Devil Hills King Kings
Mountain Kinston Kitty Hawk Knightdale La Grange Laurinburg Leland Lenoir
Lewisville Lexington Liberty Lillington Lincolnton Louisburg Lumberton Madison
Maiden Manteo Marion Matthews Maxton Mebane Mocksville Monroe Mooresville
Morehead City Morganton Morrisville Mount Airy Mount Holly Mount Olive Murphy
Nags Head Nashville New Bern Newland Newport Newton North Wilkesboro Oak Island
Oxford Pembroke Pinehurst Pineville Pittsboro Plymouth Raeford Raleigh Ramseur
Randleman Red Springs Reidsville Roanoke Rapids Robbinsville Rockingham Rocky
Mount Roxboro Rutherfordton Saint Pauls Salisbury Sanford Selma Shallotte Shelby
Siler City Smithfield Snow Hill Southern Pines Southport Sparta Spring Lake
Spruce Pine Stanley Statesville Summerfield Sunset Beach Supply Swansboro Sylva
Tabor City Tarboro Taylorsville Thomasville Trinity Troy Tryon Valdese Vale
Wadesboro Wake Forest Wallace Warrenton Warsaw Washington Waxhaw Waynesville
Weaverville Wendell West End West Jefferson Whiteville Wilkesboro Williamston
Wilmington Wilson Windsor Winston Salem Winterville Wrightsville Beach
North Carolina title, and repossession requirements:
Title State: License and Registration information refer to: North Carolina Division of Motor Vehicles, Vehicles Registration, 1100 New Bern Avenue, Raleigh, North Carolina 27696
Recording: Filed with the clerk of the Superior Court in the county where mortgagor or buyer resides; if a non-resident, recorded where the property is located. Liens on motor vehicles must be recorded on certificate of title. Uniform Commercial Code adopted June, 1967.
Recovery: Peaceful repossession permitted.
Redemption: No right of redemption after foreclosure and sale.
Deficiency: Judgment notes are invalid and deficiency is permitted only if debt is not for the purchase price.
Special Motor Vehicle Provisions: Certificate of lien is sent to Department of Motor Vehicles. Effective against third parties and need not be otherwise recorded -- liens recorded on title and sent to first lien holder.
Documents Required to Transfer Ownership of Motor Vehicles: Title in debtor's (or lien holder's) name, affidavit of repossession.
PLATES: Remain with the owner.


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No fewer than four suspected cultists
It was gathered that the fight took place on the main road of the area leaving bodies scattered all over the ground.
According to a reliable source, two suspects were arrested by operatives from Police Area J Command, Ajah over the killings.
The source also added that the cult groups had been at loggerheads over supremacy in the Sangotedo area of Ajah in recent times.
According to reports, the suspected cultists used cutlasses to hack themselves.
“The police recovered the four dead bodies and deposited them at the public mortuary. Three cutlasses were recovered from the suspects.
“Security has been beefed up in the area, with more patrol policemen deployed. The area is calm now,” the source said.
It was also reported that policemen have been combing the bushes along the road between Ogonbo community and Abraham Adesanya Estate for more victims.


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RED LIST Biotope Expert Team
bottoms in the aphotic zone with at least 90 % coverage of coarse sediment.
Coarse sediment has less than 20 % of mud/silt/clay fraction (<63 µm), and
the proportion of gravel and pebbles (grain size 2–63 mm) exceeds 30 % of the
combined gravel and sand fraction
range: All; Exposure range: All; Depth range: Below photic zone ‑ more common
in the shallow.
Whole Baltic Sea
2.4.1 Aphotic zone
A5 Sublittoral sediment
A5.1 Sublittoral coarse sediment
A5.11 Infralittoral coarse sediment in low or reduced salinity
A5.114 : Baltic gravel bottoms of the aphotic zone
Click here to go back to HUB classification


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Document Type : Systematic Review and Meta-analysis
Department of Medical Laboratory Science, Faculty of Health Sciences and Technology, Nnamdi Azikiwe University, Nnewi Campus, Anambra State, Nigeria.
Medbury Medical Services, Warri, Nigeria.
Oncological and Radiological Sciences Cluster, Advanced Medical and Dental Institute, Universiti Sains Malaysia, Pulau Pinang Malaysia.
Department of Medical Laboratory Science, Faculty of Health Sciences, Ebonyi State University, Abakaliki, Ebonyi State, Nigeria.
Deworm the World Initiative, Evidence Action, Abuja, Nigeria.
Background/Objective: Cervical Cancer is the 6th most common and 3rd most deadly cancer among women. Despite the fact that the majority of the countries in Asia and Africa have a similar economy and low life expectancy, the mean age-standardized incidence rate (ASIR) of cervical cancer is substantially higher in Africa than in Asia. This study identified the correlates of the higher ASIR rates in Africa relative to Asia against two timelines; 2004-2009 and 2010-2017. Methods: Peer-reviewed articles published between 2004 and 2017 were selected using the PRISMA standard. Sources of articles included Google Scholar, Scopus, PubMed Central, and EMBASE. Search keywords included: HPV genotypes, cervical cancer, HPV vaccine, and multiple infections in Africa and Asia. Result: Twenty-nine and seventeen full-length articles were selected from Africa and Asia, respectively. The pooled prevalence of HPV infection up to 2017 was higher in Africa (41.8%; 95% CI: 35.9, 47.7) than in Asia (24.2%; 95% CI: 16.22, 32.2) at p< 0.001. Between 2004-2009 and 2010-2017 timelines, the pooled prevalence of HPV infection decreased from 49.1% to 36.7% (OR’: 1.66, 95% CI: 1.51-1.80) in Africa and increased from 16.9% to 20.5% (OR’: 0.79, 95% CI: 0.71-0.86) in Asia. However, the pooled prevalence of multiple HPV infections and non-vaccine high-risk HPV infections were higher among African women diagnosed with cancer (30.9% and 5.2%) than their Asian counterparts (21.0% and 2.0%, respectively) at p< 0.001. Additionally, the pooled prevalence of the five most prevalent high-risk HPV types in Africa were HPV16 (35.3%), HPV52 (14.2%), HPV35 (12.4%), HPV18 (10.4%), and HPV58 (10.0%), while that of Asia were HPV16 (37.3%), HPV52 (16.2%), HPV58 (14.7%), HPV33 (7.4%) and HPV18 (7.2%). Conclusion: This study suggests that the higher prevalence of HPV, multiple HPV and non-vaccine HPV infections could be responsible for the higher ASIR in Africa than in Asia.


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It was just in time.
When the Northeastern Pulp Truckers Association refused to deliver wood to the Point Tupper mill May 6, there was only about a week’s supply of softwood logs to keep the mill making paper.
“By the end of it, we were pretty well convinced that they were willing to run out of paper,” association president Claude Bourgeois said Monday morning.
“We didn’t start delivering wood again for Ron Stern in Vancouver. We decided that the mill running out of wood wouldn’t be good for the harvesters, the community or anybody.”
The association resumed service based upon a promise by mill manager Marc Dube to continue talks.
According to Bourgeois, dozens of small, independent trucking contractors don’t yet have a pricing formula that allows them to operate in the black.
“If all your equipment is paid for, you might be able to make a small profit,” said Bourgeois.
“But that’s very few operators. If you have long-term debt, you’re operating at a loss. So we’re delivering wood again, and our equipment is getting worn out.”
Stern is the owner of Pacific West Commercial Corp., which purchased the bankrupt former NewPage Port Hawkesbury Corp. mill last year. The new management has refused to negotiate pricing formulas with the truckers association, as previous operators have. Instead, it has been attempting to broker individual contracts with truckers.
Dube said Monday that the refusal to deliver wood to the mill was an illegal move.
“We have competitive rates,” he said. “We’ve compared them to other businesses that purchase wood in Atlantic Canada. What we want to do is try to figure out why rates that work elsewhere do not work here.”
Dube said mill staff will sit down with contractors on an individual basis to find solutions. However, it will not negotiate with the association.
He said that the mill’s previous owners negotiated contracts that resulted in them going bankrupt.
“We’ve learned what was done in the past will not necessarily work in the future,” said Dube.
“People often struggle with change. While some of the changes we’ve implemented have not gone well, many that we have implemented have gone very well. … We’ve put in place a business plan, and we are doing all the things we said we would do in that plan to make this a sustainable operation going forward.”

domain: economics


MUMBAI: Larsen and Toubro (L&T), along with Japan's Sojitz Corporation, won an order worth Rs3,799 crore from the Dedicated Freight Corridor Corporation of India Limited(DFCCIL), the engineering company said. The project of Indian Railway sis ... The Gulf Today, 6 days ago
Larsen & Toubro lands major rail contract in India - Construction Index, 1 week ago
L&T wins INR 3,799 cr railway contract - Trans Reporter, 1 week ago
on your WebpageAdd Widget >Get your members hooked!


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City Of London Inv Management reported 162,984 shares. Citigroup Inc now has $203.01B valuation. The average 1 year target price among brokers that have issued ratings on the stock in the last year is $58.08. About 274,250 shares traded. (NASDAQ:DFBG) has declined 46.15% since January 9, 2017 and is downtrending. It has outperformed by 3.62% the S&P500. Understanding how Silicon Motion Technology performed requires a benchmark rather than trying to assess a standalone number at one point in time.
Silicon Motion Technology Corporation is a fabless semiconductor company. Teachers Advisors LLC now owns 787,674 shares of the semiconductor producer's stock valued at $37,990,000 after acquiring an additional 171,989 shares in the last quarter.
Silicon Motion Technology Corp. had a return on equity of 26.18% and a net margin of 19.25%. The stock increased 0.88% or $0.45 during the last trading session, reaching $51.7. 750,817 shares of the company's stock traded hands, compared to its average volume of 772,252.
Silicon Motion Technology (NASDAQ:SIMO) last announced its earnings results on Friday, October 27th. It has outperformed by 4.76% the S&P500.
Among 18 analysts covering Mohawk (NYSE:MHK), 15 have Buy rating, 0 Sell and 3 Hold. (NYSE:C), 19 have Buy rating, 3 Sell and 16 Hold.
A number of analysts have weighed in on SIMO shares. The firm has "Buy" rating by RBC Capital Markets given on Wednesday, September 6. Finally, Northland Securities reiterated a "buy" rating and issued a $60.00 target price on shares of Silicon Motion Technology in a research note on Sunday, October 29th. The company was reinitiated on Wednesday, January 11 by UBS. The firm earned "Overweight" rating on Tuesday, January 3 by Pacific Crest. The stock of Citigroup Inc. The firm has "Buy" rating by Craig Hallum given on Friday, January 29.
Since August 4, 2017, it had 0 insider purchases, and 2 sales for $3.05 million activity. $2.70 million worth of Citigroup Inc.
Would You Drink Raw Water?
The fact that people are voluntarily forgoing treated water was met with concern, horror and shock on social media. Hello, my name is Vibrio cholerae and you, my drinker, are in for a really crappy time .
Analysts await Citigroup Inc.
I prefer to use the "latest twelve-month" data, which annualizes the latest 6-month earnings release, or some times, the latest annual report is already the most recent financial data. During the same quarter a year ago, the firm posted $1.07 earnings per share. The stock has a market cap of $2,000.00, a P/E ratio of 22.07 and a beta of 0.66. ARGA Investment Management LP now owns 1,732,879 shares of the semiconductor producer's stock worth $83,577,000 after buying an additional 546,487 shares during the last quarter.
Investors sentiment increased to 1.35 in 2017 Q3. Its down 0.07, from 0.95 in 2017Q2. It worsened, as 4 investors sold PHD shares while 18 reduced holdings. 28 funds opened positions while 21 raised stakes. The North Carolina-based Bank Of America Corp De has invested 0% in the stock. (NYSE:C). Three Corner Lp holds 9.43% or 462,200 shares in its portfolio. (NYSE:MHK) for 882 shares. 8,650 are owned by Broadview Advsrs Ltd Llc. FBR Capital downgraded State National Companies, Inc. (NYSE:MHK). Bahl And Gaynor holds 0% of its portfolio in Mohawk Industries, Inc. Barclays Plc, a United Kingdom-based fund reported 202 shares. Teacher Retirement Systems Of Texas invested in 0% or 856 shares. JACOBS M CHRISTINE had sold 1,083 shares worth $157,500 on Monday, August 21. Gsa Cap Ptnrs Llp stated it has 7,735 shares or 0.08% of all its holdings. (NYSE:MHK). Fenimore Asset invested 1.41% of its portfolio in Mohawk Industries, Inc. (NYSE:C). Adell Harriman And Carpenter Incorporated accumulated 17,148 shares.
According to Zacks, analysts expect that Silicon Motion Technology will report full year earnings of $2.60 per share for the current year, with EPS estimates ranging from $2.59 to $2.63. The rating was upgraded by Standpoint Research on Friday, October 28 to "Buy". The company was downgraded on Tuesday, March 15 by JP Morgan. Silicon Motion Technology has an average rating of "Buy" and a consensus price target of $57.23. The firm earned "Sell" rating on Tuesday, June 6 by Standpoint Research. The stock has "Buy" rating by Roth Capital on Monday, July 10.
WARNING: "ValuEngine Upgrades Silicon Motion Technology (NASDAQ:SIMO) to Buy" was posted by The Lincolnian Online and is owned by of The Lincolnian Online. Roth Capital has "Buy" rating and $60.0 target.
Analysts expect Silicon Motion Technology Corporation (NASDAQ:SIMO) to report $0.48 EPS on January, 22.They anticipate $0.31 EPS change or 39.24% from last quarter's $0.79 EPS. The highest EPS estimate is $0.65 and the lowest is $0.61. DFBG's profit will be $666,522 for 5.75 P/E if the $0.05 EPS becomes a reality. After $0.49 actual EPS reported by Silicon Motion Technology Corporation for the previous quarter, Wall Street now forecasts -2.04% negative EPS growth.
Receive News & Ratings Via Email - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings with our daily email newsletter.
Salesforce.com, inc. (NYSE:CRM) has a market cap of $77.8 billion and over the last 12 months, CRM has risen by 47.58%. Landstar System, Inc. provides integrated transportation management solutions in the United States and internationally.
The California-based Bingham Osborn Scarborough Limited Co has invested 0.05% in Ross Stores , Inc. (NYSE:VZ) for 136,228 shares. The stock has "Mixed" rating by OTR Global on Monday, September 19. (NYSE:CAT) on Tuesday, February 7 to "Overweight" rating.
Jensen Investment Management Inc.'s holdings in Colgate-Palmolive were worth $8,935,000 as of its most recent filing with the SEC. Weybosset Research & Management LLC boosted its position in shares of Colgate-Palmolive Company by 2.8% in the second quarter.
Comerica Bank decreased its stake in Amphenol Corp Cl A (APH) by 5.59% based on its latest 2017Q3 regulatory filing with the SEC. Prudential Public Ltd Company, Illinois-based fund reported 25,100 shares. 156,700 are owned by Virginia Retirement Sys Et Al.
A series of wildfires in Northern California became the state's deadliest late past year , killing more than 40 people. Firefighter Cory Iverson, 32, died due to thermal injuries and smoke inhalation, according to the medical examiner.
While we'll take any excuse to replay Dark Souls for the umpteenth time, we're not entirely sure why this remaster exists. In a Japanese retailer listing, it was first leaked that Dark Souls will get a remaster for the PS4.
Veere Di Wedding is produced jointly by Ekta and Rhea Kapoor, and stars Sonam, Kareena, Shikha Talsania and Swara Bhaskar . The suggested reason for the delay can be due to the dry box office performance during the IPL season.
WISN 12 News spotted officers pulling a backpack from the bus and searching it along the side of the interstate. A person on the Greyhound bus made threats to harm passengers according to public safety radio transmissions.
He told MSPs the SPA met behind closed doors on November 7 to agree that Mr Gormley could return to work on November 10. He initially stayed on in his post, but that year after a further allegation was made, and has remained off work while.
Other entrepreneurs including Mary Lou Jepsen and Jason Calacanis have also denied any explicit activity at the party. Biggar and Chang differ in their takes of the night, with the former saying that he had not seen "any sex or drugs".
It is called Advantage Assam and they have invited ministers not only from the ASEAN region but also from neighbouring countries. The event is being held in Assam because the Northeast acts as a bridge between India and the ASEAN, the Secretary said.
Evercore ISI Initiates Coverage on Becton Dickinson and (BDX)
The stock's 50-day average volume has been 1,321,566 shares, with an average of 75% of medium term indicators pointing toward Buy. Ferguson Wellman Capital Management Inc increased Becton Dickinson & Co ( BDX ) stake by 1075.28% reported in 2017Q3 SEC filing.
Intel launches smallest VR-capable system ever
The Radeon RX Vega graphics processor can operate from 1,063MHz to 1,190MHz and is "unlocked and VR-capable". Intel's performance claim on this one is that it can reach GeForce GTX 1050 performance levels.
Carr lifts Penn State over Nebraska in overtime
Nebraska entered the Bryce Jordan Center shooting just 43 percent from the floor and 36 percent from 3-point range for the season. But trailing by as many as 16 points in the second half, the Huskers were able to rally back and send the game into overtime.
Teens Wanted in Texas Murder Arrested in Ansonia
Briguglio is charged with murder with a $250,000 bond and Musante is charged with murder with a $100,000 bond, police said. January 1 and found 22-year-old James Outlaw II, 22, of Missouri City, Texas, dead in a breezeway at the complex.
Before quashing FIR, HC wants to see Padmavat
The High Court had earlier ordered a stay on the FIR, directing the police not to take any further action in the matter. Gujarat CM Vijay Rupani on Friday said, "We banned the film based on inputs on the law and order situation".
Hot Stock to Watch: The Blackstone Group LP (NYSE:BX)
Crispin Odey decreased its stake in Blackstone Group LP (BX) by 46.66% based on its latest 2017Q3 regulatory filing with the SEC. Since the beginning of the calendar year, the stock is 7.84%. 12,202 are held by Employees Retirement Association Of Colorado.
Wolves win seventh straight at home, 118-108 over Knicks
He wasn't matched up with Porzingis one-on-one very often, but he was able to largely dominate Enes Kanter and Kyle O'Quinn . The Clippers would've also needed to create another roster spot for the hypothetical incoming third Timberwolves player.
DR Horton Inc. (DHI), Continental Resources, Inc. (CLR)
Moreover, Zwj Investment Counsel Inc has 0.1% invested in Intel Corporation (NASDAQ:INTC). (NYSE:DHI) for 295,000 shares. Following the transaction, the director now directly owns 6,000 shares in the company, valued at approximately $287,160.
IPL 2018: Retention Policy explained
Meanwhile, There has been no confirmation about Gautam Gambhir's retention by Kolkata Knight Riders . During the TNPL, CSK director George John had said about Dhoni, "That's an obvious one".


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In 2007, as the Great Recession loomed, the financial picture at Cincinnati-based Fifth Third Bank began to worsen, along with nearly every other bank in the nation. More than 26,000 participants in Fifth Third’s retirement plan anxiously watched as the value of company stock in their portfolios nosedived.
From July 2007 to September 2009, Fifth Third stock dropped nearly 75 percent, from roughly $40 to $10 a share. Employees say that cost them tens of millions of dollars in retirement savings.
The employees filed a class-action lawsuit in 2008 in federal court in Cincinnati, claiming Fifth Third knew its stock had become unacceptably risky, yet continued to invest. They accused bank executives in a lawsuit of hiding behind overly optimistic public reports while knowing that the bank had switched from being a conservative lender to a risky subprime lender.
Now, six long years later, the U.S. Supreme Court will decide the fate of that lawsuit, Fifth Third v. John Dudenhoeffer.
The nation’s court of last resort will hear arguments in the case on April 2. This lawsuit is being watched by the AFL-CIO, the U.S. Chamber of Commerce, the AARP and many businesses.
It could have enormous implications for hundreds of companies that offer similar retirement plans populated with company stock and will determine when employees have a right to sue over stock losses.
“When we talk about people’s retirement accounts, that’s a big deal, especially with the graying of America,” said Lisa McElroy, a Supreme Court scholar and law professor at Drexel University.
She described this as a “sleeper case.” It isn’t among the handful of cases that have gotten national attention this year but it is very important, particularly for retirees and older workers, she said.
Fifth Third CEO Kevin Kabat and other executives were named as defendants. The bank, which has recovered stock value since then, argues that as long as a company is viable, it should be protected from lawsuits over stock fluctuations because federal law encourages employer stock funds. Fifth Third declined to comment on the case.
“This is a huge case,” said Mark Stiebel, a partner at Graf Stiebel & Coyne in Cincinnati and a specialist in Employee Retirement Income Security Act (ERISA) cases and employee stock ownership plans (ESOPs).
“ESOPs are still very popular. They provide a way for employees to share in their company’s growth,” he said.
But if the Supreme Court sides with Fifth Third employees and makes it easier for workers to sue, it could have a chilling effect on the future of these profit-sharing plans.
“Then you have to ask yourself if it is really worth it to maintain an ESOP,” he said.
The case is important because it could determine how many future cases are filed and how much companies are forced to pay to defend themselves against unhappy employee investors.
Big businesses support Fifth Third
KeyCorp, Delta Air Lines, the U.S. Chamber of Commerce, the Securities Industry and Financial Markets Association, among others, have filed briefs supporting Fifth Third.
“Fifth Third’s petition presents an important opportunity for this court to make it plain to companies ... that they can continue to allow their employees to invest in company stock without facing constant and undue risk of liability as the company’s stock price inevitably rises and falls over time,” wrote lawyers for Cleveland-based KeyCorp in their brief.
The U.S. Department of Labor, the AFL-CIO and the AARP filed briefs supporting Fifth Third employees. The AARP said workers at large companies often have sizable portions of the retirement plan invested in company stock.
“Significant declines in the value of employer stock thus can create dire consequences for those workers and retirees who hold employer stock in their retirement plans,” AARP lawyers wrote in the brief. “Countless employees, especially those over age 45, have been compelled to postpone retirement and return to work (frequently at lower pay), or have had to radically adjust their lifestyles after their nest eggs have suddenly vanished.”
The key issue that the Supreme Court must decide is simple – what standard workers must prove in order to sue over company stock losses.
Fifth Third employees claim the bank violated federal law by investing 401(k) contributions into company stock that was too risky. Under the plan, the bank matched employees’ contributions up to 4 percent of their salaries into the company stock plan, which employees could later move to a different fund.
Fifth Third’s master profit-sharing plan, which includes a 401(k), has $1.3 billion in assets, more than 25,500 participants and an average balance of $58,000, according to BrightScope data.
In January 2009, Fifth Third stock dropped to $2.85 a share but rebounded to more than $10 by September. In order to take their case to trial, employees argued that they must only prove that a plan trustee acted imprudently.
Fifth Third argues a much higher standard applies, and a company must be in dire circumstances before it can be sued in these cases.
“In other words, not just that the company stock dropped, but that it went down and it’s not coming back up,” said Jim Schuck, an ERISA lawyer at Bricker & Eckler LLP in Columbus.
“Otherwise, if the fiduciary of a plan pulls out of the stock, and the stock rebounds, then you can get sued for that. You’re almost damned if you do, and damned if you don’t,” he said.
Case beat incredible odds
The case didn’t get very far in federal district court in Cincinnati before a judge dismissed it in 2008, ruling that employees failed to state a plausible claim. It never went to trial.
Employees appealed the ruling in 2012 to the 6th Circuit Court of Appeals in Cincinnati, which reversed the lower court’s decision.
Then Fifth Third’s attorney, Jim Burke, of Keating Muething & Klekamp, appealed to the Supreme Court, writing that the bank could not have known “that the greatest financial catastrophe since the Great Depression was coming, should have predicted its ultimate impact and should have completely sold off all Fifth Third stock in the Plan.”
“Fifth Third’s financial health remained strong and its stock rebounded substantially,” Burke wrote.
Against the odds, the court agreed to hear the case. Each year 10,000 losing parties ask the Supreme Court to review their cases. It selects 75 to 80 cases.
“Ninety-nine percent are denied with no opinion whatsoever,” McElroy said. “It’s a huge, huge deal.”
When choosing a case, justices look for a pressing issue that has percolated for a while at the appeals court level. They also target issues that have yielded different opinions from the 13 judicial circuits, she said.
In this case, by siding with Fifth Third employees, the 6th Circuit Court of Appeals issued a ruling very different from other judicial circuits, lawyers said. Other circuits have forced employees to meet a higher burden of proof before they can sue for stock losses.
Usually the appealing party, in this case Fifth Third, is more likely to succeed in the Supreme Court. That’s because four of the nine justices must decide to hear a case.
“Seventy-five percent of the time, the Supreme Court reverses the lower court’s ruling,” McElroy said. “Otherwise, why would they take the case?”
A decision from the high court is expected by June.


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I worked a full month on my 3, but I had help. It'd be pretty studly to be along side a lot of cool MegaMan fans. Still, it must be a huge honor to be invited for something like this. All I know is after this I never wanna draw Kaiser Sigma again XD
Can't wait to see the final piece, lookin' very rad :3
so you didnt submit...you were spcially invited!? cool...I hope i make it in so i could get a copy for free...if not im planning to get one especially because your art is on the book! I mean ive been a fan of rours since i saw the wily shorts back in 2002!


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