text:
Distressed securities
|It has been suggested that this article be merged with distressed securities fund. (Discuss) Proposed since September 2014.
Distressed securities are securities of companies or government entities that are experiencing financial or operational distress, default, or are under bankruptcy.[1] As far as debt securities, this is called distressed debt. Purchasing or holding such distressed-debt creates significant risk due to the possibility that bankruptcy may render such securities worthless (zero recovery).[2] Distressed securities tend to trade at substantial discounts to their intrinsic or par value[1] and are therefore considered to be below investment grade.[1] This usually limits the number of potential investors to "large institutional investors—such as hedge funds, private equity firms and investment banks."[2] In 2012 Edward Altman, a leading expert on bankruptcy theory, estimated that there were "more than 200 financial institutions investing between $350-400 billion in the distressed debt market in the U.S. and a substantial number and amount operating in Europe and in other markets."[3]
- 1 Distressed securities in the 1990s
- 2 Distressed securities investment strategy
- 3 Risk management
- 4 Key players
- 5 Sovereign states debt instruments
- 6 Sovereign debt in Africa
- 7 Sovereign debt in Latin America
- 8 See also
- 9 Notes
- 10 Citations
- 11 References
- 12 Further reading
- 13 External links
Distressed securities in the 1990s[edit]
An active market developed for distressed securities as the number of large public companies in financial distress increased in the 1980s and early 1990s.[4] In 1992 Altman, who developed the Altman Z-score formula for predicting bankruptcy in 1968, estimated "the market value of the debt securities" of distressed firms as "approximately $20.5 billion, a $42.6 billion in face value." [5][6] By 1993 the investment community had become increasingly interested in the potential market for distressed firms' debt.[6] At that time distressed securities "yielded a minimum ten percent over comparable maturity of U.S. Treasury bonds. For example, 16.6% or above are estimated to amount to $71 billion in par value (with several issuers and 600 issues) and about $37 billion in market value. Adding private debt with public registration rights allows private bank debt and trade claims of defaulted and distressed companies to bring the total book value of defaulted and distressed securities to $284 billion, a market value of $177 billion."[7][6] By 2012
Distressed securities investment strategy[edit]
The distressed securities investment strategy exploits the fact that only a few investors are able to enter into the "long low investment grade credit" by holding securities that are below investment grade.[1]
Some investors have deliberately used distressed-debt as an alternative investment, where they buy the debt at a deep discount and aim to realize a high return if the company or country does not go bankrupt or experience defaults. The major buyers of distressed securities are typically large institutional investors, who have access to sophisticated risk management resources such as hedge funds, private equity firms and units of investment banks.[2][8] Firms that specialize in investing in distressed debt are often referred to as vulture funds.[9][10][11][12]
Investors in distressed securities often try to influence the process by which the issuer restructures its debt, narrows its focus, or implements a plan to turn around its operations. Investors may also invest new capital into a distressed company in the form of debt or equity.[2] According to a 2006 report by Edward Altman, a professor of finance at the Leonard N. Stern School of Business, distressed debt investments earned well above average returns in 2006 and there were more than 170 institutional distressed debt investors.[13] These institutions used "very strong and varied strategies including the traditional passive buy-and-hold and arbitrage plays, direct lending to distressed companies, active-control elements, foreign investing, emerging equity purchases and equity plays during the reorganization of a firm in bankruptcy."[13] The most common distressed securities are bonds and bank debt.
While there is no precise definition, fixed income instruments with a yield to maturity in excess of 1000 basis points over the risk-free rate of return (e.g. Treasuries) are commonly thought of as being distressed.[2] Distressed securities often carry ratings of CCC or below from agencies such as Standard & Poor's, Moody's and Fitch.[2]
Risk management[edit]
By 2006, the increased popularity in distressed debt hedge funds led to an increase in the number of benchmark performance indexes.[13] Highly specialized risk analysts and experts in credit are key to the success of alternative investments such as distressed debt investment. They depend on accurate market data from institutions such as CDX High Yield Index and India-based Gravitas. Gravitas for example, combines risk management software with sophisticated risk analysis using advanced analytics and modeling. They produce customized scenarios that assess the risk impact of market events. Gravitas uses IBM Risk Analytics technology (formerly Algorithmics), which is also used by major banks, to help hedge funds meet regulatory requirements and optimize investment decisions.[14]
When companies enter a period of financial distress, the original holders often sell the debt or equity securities of the issuer to a new set of buyers. Private investment partnerships such as hedge funds have been the largest buyers of distressed securities.[2] By 2006, hedge funds have purchased more than 25% of the high-yield market's supply to supplement their more traditional defaulted debt purchases.[13] By 2006, "new issues rated CCC to CCC- were at an all time high of $20.1 billion."[15] Other buyers include brokerage firms, mutual funds, private equity firms and specialized debt funds such as collateralized loan obligations.
The United States has the most developed market for distressed securities. The international market, especially in Europe, has become more active in recent years as the amount of leveraged lending has increased, capital standards for banks have become more stringent, the accounting treatment of non-performing loans has been standardized, and insolvency laws have been modernized.[when?]
Typically, the investors in distressed securities must make an assessment not only of the issuer's ability to improve its operations, but also whether or not the restructuring process (which frequently requires court supervision) will benefit one class of securities more than another. See Business valuation: Option pricing approaches.
Key players[edit]
In June 2013, Goldman Sachs's Special Situations Group, the proprietary investment unit of the investment bank, purchased Brisbane-based Suncorp Group Limited's loan portfolio for US$863 million.[8] The finance, insurance, and banking corporation is one of Australia's largest banks (by combined lending and deposits) and its largest general insurance group.[16] In the summer of 2013, when European lenders were divesting their loan portfolios, hedge funds and investment banks were buying them in Australia.[8] In 2013, distressed-debt investors seeking investment opportunities in Asia, particularly in Australia, acquired discounted bonds or bank loans of companies facing distressed debt, with the potential of profitable returns if the companies' performance or their debt-linked assets improved. In 2013, Australia was one of the biggest markets for distressed-debt investors in Asia.[8]
According to The Guardian, the principal investment strategy used by Paul Singer's hedge fund Elliott Management Corporation, "is buying distressed debt cheaply and selling it at a profit or suing for full payment."[11] Singer founded his Elliott Associates L.P. in 1977.[17] Elliott Management Corporation oversees Elliott Associates and Elliott International Limited, which together have more than $21 billion in assets under management.[18] Singer has been active in Debt Advisory International (DAI), DC Capital Management, Select Capital Limited and Emerging Market Select Asset Fund Limited. He is associated with e-Century Capital Partners as founder and/or manager, and is described by DAI as a "specialist in structuring debt related transactions in emerging market countries and in supervising debt recovery and work out operations on behalf of corporate and sovereign creditors."[19]
Sovereign states debt instruments[edit]
In 2003 Seveq observed that the emergence of the secondary debt market led to a "modern sovereign debt litigation" and the creation of an industry of "professional suers of foreign states."[20][9]
In a 2010 article, Blackman and Mukhi examined a series of litigations employed by distressed funds investors in their lawsuits against defaulted sovereign states.[9] The business plan involved buying the sovereign debt instruments at a very deep discount based on a very high risk, and then attempting through litigation to enforce the full claim. The strategy is most effective when the sovereign state lacks bankruptcy protection. These investors however are constrained by "the sovereign-immunity rules that national legislatures have enacted and national courts have elaborated" to protect the vulnerable nation states from litigation.[9]
While private debtors have the resource of bankruptcy protection, sovereign states do not.[21] There have been "sporadic calls for a bankruptcy analogue for sovereign states" similar to the bankruptcy process for private debtors, however these calls have lacked momentum.[Notes 1][22][23][24]
Sovereign debt in Africa[edit]
According to the African Development Bank Group, at least twenty heavily indebted poor African countries have been threatened with or subjected to legal actions by commercial creditors and hedge funds since 1999. Examples include Sierra Leone by Greganti Secondo and ARCADE, and Côte d'Ivoire and Burkina Faso by Industrie Biscoti. Other RMCs that have been targeted include Angola, Cameroon, Congo, Democratic Republic of the Congo, Ethiopia, Liberia, Madagascar, Mozambique, Niger, Sao Tome and Principe, Tanzania and Uganda.[25]
In 1999, Donegal International purchased $40 million worth of Zambia debt owed to Romania for the "discounted purchase price" of $3.2 million. In 2007, a British high court granted the company "permission to enforce a claim for tens of millions of dollars against the Government of Zambia." OXFAM, the World Bank and Jubilee USA, to name a few aid and development organizations, have spoken out against Donegal's purchase of the Zambian debt. Noted by Brian Finlay in July 2007, "Such egregious practices should be prevented. But more often than not, these cases are the exception rather than the rule."[26]
In 2009, a British court awarded $20 million to hedge funds suing Liberia. Before the hedge funds could collect their money, the Debt Relief (Developing Countries) Act 2010[27] was passed in the UK parliament in 2010 after Liberian president and 2011 Nobel Peace Prize winner Ellen Johnson Sirleaf appeared on the BBC Newsnight program for the hedge funds to "have a conscience and give this country a break".[28]
That act caps what the hedge funds can collect, they had to settle with Liberia for just over $1 million, and effectively prevents them suing for exorbitant amounts of money in United Kingdom courts. Nick Dearden of the Jubilee Debt Campaign said of the change, "It will mean the poorest countries in the world can no longer be attacked by these reprehensible investment funds who grow fat from the misery of others." The law was made permanent in 2011 but there are still havens for this activity, such as the Channel Islands and The British Virgin Isles.[29]
Another hedge fund, FG Hemisphere of Brooklyn, sued Democratic Republic of Congo for a debt from Yugoslavia in the 1970s which it had picked up for just over $3 million. FG sued in Hong Kong, Australia, and Jersey which was not covered by the UK law against hedge funds involved in sovereign debt. The Chinese government blocked the attempt to sue in Hong Kong but the Jersey court awarded $100 million to FG. FG's owner Peter Grossman was doorstepped by freelance reporter Greg Palast and asked whether he thought it was fair to take $100 million for a debt he had paid $3 million for. He said "Yeah I do actually…I'm not beating up the Congo. I'm collecting on a legitimate claim". A series of attempts were then made in Britain and the United States by organizations such as Jubilee USA Network, Oxfam and the Jubilee Debt Campaign to change the laws so that hedge funds would not be able to collect on their awards. The Jubilee Debt Coalition is now calling on the Jersey government to ban hedge funds collecting there too and Jersey is consulting on making that change. Jubilee's Tim Jones went to Jersey in November 2011 to ask the government to ban hedge funds involved in sovereign debt. He told The Guardian that the Democratic Republic of Congo "desperately needs to be able to use its rich resources to alleviate poverty, not squander them on paying unjust debts".[30]
Hedge Fund FG Hemisphere run by financier Peter Grossman is attempting to enforce an ICC arbitration award for $116 million owed by the Democratic Republic of Congo. The award was originally issued by an arbitral panel of the International Chamber of Commerce (ICC) in favor of Energoinvest DD of Bosnia in the amount of $39 million and then sold to FG Hemisphere.[31] The award was issued by the ICC in respect of unpaid construction contracts pursuant to which Energoinvest supervised construction of high-tension power lines for transmission of power from the Inga–Shaba dam in Congo; the power lines are still in service. Sales of assets by Energoinvest have been criticized by opposition parties in Bosnia as having been "an abuse of power" by the management who defend themselves on the basis that the company had to sell assets in order to pay salaries after it was impoverished and broken up in the break up of the former Yugoslavia.
Sovereign debt in Latin America[edit]
In 1983, Peru was in economic distress and had large amounts of external debt. In 1996, the nation restructured its debts. Original loans were exchanged for Brady Bonds, tradable bonds issued in the original amount of the loans.
Elliott Associates, a New York-based hedge fund owned by Paul Singer, purchased $20.7 million worth of defaulted loans made to Peru for a discounted price of $11.4 million. Elliott Associates, holding the only portion of Peru's debt remaining outside the restructure, sued Peru and won a $58 million settlement, a 400% return.
Peru, unable to pay the $58 million, continued to repay creditors that held Brady Bonds. Elliot filed an injunction to prevent Peru from paying off its restructured debt without also paying Elliott. It was argued that Peru violated the "pari passu" clause, which states that no creditor can be given preferential treatment.
In 2001, Argentina defaulted on roughly $81 billion. NML Capital, LTD., a hedge fund that is a subsidiary of Elliott Management Corporation, purchased Argentine debt on a secondary market for a price lower than the original amount. Ninety-two percent of creditors restructured in 2005 and 2010 for roughly $.30 on the dollar.[32] NML Capital rejected the proposal and sued Argentina for the full amount in New York State courts.
The main argument that NML Capital has been using in court is a "pari passu" clause that was in the original contractual agreement.[33] Pari passu is Latin for "on equal footing", which means that if Argentina pays back one creditor, they have to pay back all of the creditors, including those that did not restructure. Since Argentina has already begun to repay the creditors that restructured, Elliot argued that they should be paid back.
In June 2012, Elliot Management supported legislation in New York State Senate and Assembly which would have allowed the fund to pursue post-court judgment. Two poverty alleviation organizations, Jubilee USA Network and American Jewish World Service, came out against the legislation citing the negative impacts that hedge funds have on struggling countries.[34] The legislation did not make it to a vote when the New York State Senate and Assembly ended their session.
On October 2, 2012, NML Capital Ltd., a vulture fund based in the Cayman Islands, which held Argentine debt not included in Argentine debt restructuring,[35] impounded the Libertad, an Argentine Navy training ship in Tema, Ghana. The court in Ghana held that Argentina had waived sovereign immunity when it contracted the sovereign debt being enforced.[36]
Elliot made the pari passu argument and in November 2012, the New York State court ruled in favor of the holdout creditors based on the clause and ordered Argentina to pay $1.3 billion on December 15, the same date they were to pay the creditors that restructured. The appeals court heard oral arguments on February 27. In June 2014, the U.S. Supreme Court rejected Argentina's appeal of the ruling.[37]
The Center for Economic and Policy Research reported on the special meeting of Organization of American States foreign ministry officials, which was held July 3, 2014 in Washington, D.C. to discuss the situation with Argentina and the hedge funds. The meeting passed a resolution expressing:
1. Its support to the Argentine Republic so that it can continue to meet its obligations, pay its debt, honor its financial commitments and through dialogue arrive at a fair, equitable and legal arrangement with 100% of its creditors.
2. That it is essential for the stability and predictability of the international financial architecture to ensure that agreements reached between debtors and creditors in the context of sovereign debt-restructuring processes are respected by allowing that payment flows are distributed to cooperative creditors in accordance with the agreement reached with them in the process of consensual readjusting of the debt.3. Its full support to achieving a solution that seeks to facilitate the broad Argentine sovereign debt-process.
All OAS member states supported the resolution with the exception of the U.S. and Canada.[38]
In July 2014 a U.S. federal judge ruled in favor of NML Capital Ltd., a unit of Michael Sheehan's Elliott Management, against Argentina. The country now owes its creditors more than $1.3 billion.[39] According to Mark Weidemaier, a law professor at the University of North Carolina, the ruling was one of "the most significant litigation victories that a holdout creditor has ever achieved" in the realm of sovereign debt.[39] In a Wall Street Journal article from July 2014 by Georgetown University Law Center Law Professor, Adam J. Levitin, argued that the relationship between distressed securities investors and the U.S. court system should be revisited. He claimed that while these distressed debt investment funds can choose to "play the game" and "put their head in the mouth of the Leviathan," the US courts should not choose to.[40] Levitin concludes with the limits on what the US law can do.
By humoring the NML litigation, U.S. courts have gotten themselves into a high-stakes game of chicken with a sovereign state. This is a game the U.S. courts cannot and should not win. It's a basic prudential principle that courts abstain from cases where they lack the ability to administer an appropriate remedy. In this case, the courts cannot administer an appropriate remedy. The U.S. courts may be able to prevent, or at least impede, Argentina's other bondholders from being paid, but they cannot force Argentina to pay NML on its defaulted bonds.—Levitin 2014
See also[edit]
- Credit risk
- Default (finance)
- High-yield debt
- Private equity
- Special situation
- Traditional investments
- Vulture fund
- ^ "When it becomes necessary for a state to declare itself bankrupt, in the same manner as when it becomes necessary for an individual to do so, a fair, open, and avowed bankruptcy is always the measure which is both the least dishonourable to the debtor, and least hurtful to the creditor.| Adam Smith (1776).
- ^ a b c d Ineichen 2002, p. 270.
- ^ a b c d e f g Barclay Hedge 2013.
- ^ Altman 2012.
- ^ Hotchkiss & Mooradian 1997.
- ^ Altman 2000.
- ^ a b c John 1993.
- ^ Altman 1992.
- ^ a b c d Steger 2013.
- ^ a b c d Blackman, Mukhi & 2010 49.
- ^ Moore 2014.
- ^ a b The Guardian 2011.
- ^ Seager 2007.
- ^ a b c d Altman & Swanson 2006.
- ^ Groenfeldt 2013.
- ^ Altman & Swanson 2006, p. 17.
- ^ Suncorp 2014.
- ^ Celarier 2012.
- ^ Forbes 2012.
- ^ Debt Advisory International (DAI) nd.
- ^ Seveg 2003.
- ^ Blackman, Mukhi & 2010 48.
- ^ Blackman & Mukhi 2010.
- ^ Smith 1776.
- ^ Krueger 2002.
- ^ "Vulture Funds in the Sovereign Debt Context". African Development Bank Group. Retrieved 28 July 2014.
- ^ Finlay, Brian (July 2, 2007). "Taming The Vulture: Turning Distressed-Debt Investors Into Agents Of Social Change". Stimson. Retrieved 25 July 2014.
- ^ "Debt Relief (Developing Countries) Act 2010" (PDF). Retrieved 2014-07-28.
- ^ Jones, Meirion (2010-04-08). "Newsnight - UK stops 'vulture funds' picking on poor". BBC News. Retrieved 2013-10-15.
- ^ "Vulture funds – how do they work? | Global development". London: The Guardian. 15 November 2011. Retrieved 2013-10-15.
- ^ Palast, Greg; O'Kane, Maggie; Madlena, Chavala (15 November 2011). "Vulture funds await Jersey decision on poor countries' debts | Global development". The Guardian (London). Retrieved 2013-10-15.
- ^ STEWART, HEATHER (8 August 2009). "Vulture fund swoops on Congo over $100m debt". THE GUARDIAN. Retrieved 5 March 2013.
- ^ Moffett, Mathew (April 16, 2010). "Argentina Releases Debt-Swap Details". Wall Street Journal. Retrieved 5 March 2013.
- ^ "The pari passu clause and the Argentine case". Overy andAllen Global Law Intelligence Unit. Web. Retrieved 5 March 2013.
- ^ "Argentina Takes on Vulture Funds in "Debt Trial of the Century"". Yes!. 22 April 2013. Retrieved 18 December 2013.
- ^ "Republic of Argentina v. NML Capital". Royal Courts of Justice. April 2, 2010. Retrieved October 19, 2012.
- ^ Emily Schmall (October 19, 2012). "Seizure of Ship From Argentina Forces Shake-Up". New York Times. Retrieved October 19, 2012.
- ^ Argentina makes debt case in US newspapers AFP wire, June 23, 2014
- ^ Main, Alexander, U.S. on Its Own, Once Again, at OAS Meeting on Argentinean Sovereign Debt, CEPR website, July 9, 2014
- ^ a b Slater 2014.
- ^ Levitin 2014.
- Altman, Edward I. (April 1990), The Altman-Foothill Report on Investing in Distressed Securities: The Anatomy of Defaulted Debt and Equities, Foothill Corporation This report was the basis so Altman's 1991 publication entitled Distressed Securities.
- Altman, Edward I. (October 1992), The Market for Distressed Securities and Bank Loans (PDF), Foothill Corporation (Los Angeles), retrieved 29 July 2014 Altman was commissioned by The Foothill Group to prepare a series of "White Papers" on Distressed Debt Markets in 1990 and 1992.
- Altman, Edward I. (July 2000). "Predicting Financial Distress of Companies" (PDF). pp. 15–22. Retrieved 28 July 2014.
- Altman, Edward I. (2002), The Market for Distressed Securities and Bank Loans, the Altman-Foothill Report II, Los Angeles
- Altman, Edward I.; Swanson, Jeffrey (February 2007) (PDF). The Investment Performance and Market Size of Defaulted Bonds and Bank Loans: 2006 Review and 2007 Outlook (Report). Special Report. New York: New York University Salomon Center, Leonard N. Stern School of Business. http://pages.stern.nyu.edu/~ealtman/2006%20InvestPerf.pdf.
- Altman, Edward I. (17 October 2012), Testimony before the ABI Chapter 11 Reform Commission (PDF), retrieved 28 July 2014
- Altman, Edward I. (3 December 2013), The Role of Distressed Debt Markets, Hedge Funds and Recent Trends in Bankruptcy on the Outcomes of Chapter 11 Reorganizations (PDF), retrieved 31 July 2013
- Blackman, Jonathan I.; Mukhi, Rahul (2010). "The Evolution of Modern Sovereign Debt Litigation: Vultures, Alter Egos, and Other Legal Fauna". Law and Contemporary Problems 73: 47–61. Retrieved 30 July 2014.
- "Understanding Distressed Securities". Barclay Hedge. 2013. Retrieved 28 July 2014.
- Celarier, Michelle (26 March 2012), Mitt Romney's hedge fund kingmaker, CNN Money
- Executive team, Debt Advisory International (DAI), nd, retrieved 29 July 2014
- Hotchkiss, Edith; Mooradian, Robert (1997), Vulture investors and the market for control of distressed firms (PDF), Journal of Financial Economics 43: 401–443 This article investigated the role of vulture investors in a sample of 288 US firms that defaulted on their public debt from 1980-1993.
- John, Kose (22 September 1993), Managing Financial Distress and Valuing Distressed Securities: A Survey and a Research Agenda, Financial Management via HighBeam Research, retrieved 29 July 2014
- Krueger, Anne O. (April 2002), A New Approach to Sovereign Debt Restructuring, International Monetary Fund (Washington, D.C.)
- Ineichen, Alexander M. (2002). Absolute Returns: the risks and opportunities of hedge fund investing. John Wiley & Sons. p. 528. ISBN 0-471-25120-8.
- "Paul Singer". Forbes. 18 April 2012. Retrieved 28 July 2014.
- Groenfeldt, Tom (24 June 2013). "Distressed Debt Fund Monitors And Hedges Its Risks For Low Volatility". Forbes. Retrieved 8 August 2013.
- Ineichen, Alexander M. (2002). Absolute Returns: the risks and opportunities of hedge fund investing. John Wiley & Sons. p. 528. ISBN 0-471-25120-8.
- Levitin, Adam (29 July 2014), Adam Levitin on Argentina and Distressed Investors, Wall Street Journal, The Examiners, retrieved 30 July 2014
- Moore, Jina (22 March 2014), The end of vulture funds: Businessmen call them 'distressed debt' investments. Critics say they exploit poor countries, Lusaka, Zambia, retrieved 29 July 2014
- "Vulture funds – the key players". The Guardian (London, UK). 15 November 2011. Retrieved 10 June 2012.
- Seager, Ashley (25 April 2007), Court cuts vulture fund's claim: Zambia's debt repayment reduced by $40m; Judge says much of firm's evidence was dishonest, The Guardian, retrieved 29 July 2014
- Seveg, Alon (2003), Investment: When Countries go Bust: Proposals for Debtor and Creditor Resolution, International Business and Trade, Asper Review 25
- Slater, Joanna (8 July 2014). "Paul Singer's determined stance". Globe Advisor. Retrieved 28 July 2014.
- Smith, Adam (1776), Wealth of Nations
- Steger, Isabella (7 August 2013). "Distressed-Debt Investors Eye Asia". Wall Street Journal. Retrieved 8 August 2013.
- "Group Overview". Suncorp.
Further reading[edit]
- Altman, Edward I. (1991), Distressed Securities, Chicago: Probus Publishing
- Owsley, Henry F.; Kaufman, Peter S. (2005). Distressed Investment Banking: To the Abyss and Back. Beard Books. ISBN 1-587-98267-6.
- Moyer, Stephen G. (2004). Distressed Debt Analysis: Strategies for Speculative Investors. J. Ross Publishing. ISBN 1-932-15918-5.
- Whitman, Martin J.; Diz, Fernando (2009). Distress Investing: Principles and Technique. John Wiley & Sons. ISBN 978-0-470-48865-2.
- Rosenberg, H. (1992), The Vulture Investor, New York: Wiley and Sons Inc.
External links[edit]
- Altman, Edward I.; Swanson, Jeffrey (February 2007) (PDF). The Investment Performance and Market Size of Defaulted Bonds and Bank Loans: 2006 Review and 2007 Outlook (Report). Special Report. New York University Salomon Center, Leonard N. Stern School of Business. http://pages.stern.nyu.edu/~ealtman/2006%20InvestPerf.pdf.
- Understanding Distressed Securities
- Distressed Debt Articles from VCExperts.com


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|Heisman hopeful leads Missouri into Kansas showdown
|Written by Admin
|Monday, 19 November 2007 15:36
While getting some ice cream during a recruiting visit to Missouri, fans told him if he could just beat Kansas four times his career with the Tigers would be a success.
``They said, 'Beat KU all four years and we'll love you,''' Daniel said.
For once, beating KU means a lot more than bragging rights and a bass drum trophy. The winner of this unlikely marquee matchup at Arrowhead Stadium in Kansas City on Saturday night stays in the national championship picture and advances to the Big 12 championship game.
Even Daniel, Missouri's Heisman Trophy hopeful, is amazed at the progress both schools have made. Neither has ever won the Big 12 North, and now they're playing in one of the biggest games of the season.
``It's a big game because we made it a big game,'' Daniel added. ``Kansas made it a big game.''
Missouri (10-1) has 10 regular-season victories for the first time in school history, the No. 3 ranking is its best since the 1960 team was No. 1 for a week and the No. 4 ranking in the BCS is a high-water mark.
Headed into the 116th renewal of the nation's second-longest rivalry, Kansas (11-0) has achieved even more with a No. 2 ranking in both the AP poll and the BCS that are both bests in school history. The Jayhawks, picked to finish a typical fourth in the Big 12 North, are second in the nation with a 45.8-point average and second in scoring defense at 14.2 points per game.
``Everybody's going to remember the 2007 Missouri-Kansas game, I guarantee you that,'' Missouri coach Gary Pinkel said. ``Forever.''
Daniel has a lot to do with the Tigers getting to this point, leading an offense that is in the top 10 in the NCAA in virtually all meaningful categories. Missouri is sixth in the nation with a 42-point average, fifth with an average of 334 yards per game and Daniel has 30 touchdown passes with only nine interceptions.
The Tigers broke the previous school record for points two weeks ago and are the only school in the country to score at least 30 points in every game, with Daniel using a host of options. Jeremy Maclin broke the freshman record for all-purpose yards last week, tight ends Martin Rucker and Chase Coffman are both NFL prospects, and Tony Temple has run for eight touchdowns.
``That's the hardest thing about my job,'' Daniel said. ``I also have the best job in America because I get to distribute the ball to these playmakers, and they're making the plays.''
His Kansas counterpart, sophomore Todd Reesing, has a similar pedigree with a school-record 205 passes without an interception. Reesing hit 19 of his first 20 passes for four touchdowns in last week's 45-7 trouncing of Iowa State, and could also merit Heisman attention.
``I don't see why he's not up there,'' Iowa State quarterback Bret Meyer said. ``I'd say the only reason he's not up there is because he doesn't go to one of the glamour schools.''
Kansas coach Mark Mangino is not openly campaigning for Reesing, who was not the starter until he ousted incumbent Kerry Meier in August.
``You have to really study the Heisman and who's being considered to understand it, and I haven't,'' Mangino said. ``Here's the best compliment I can pay to Todd: I wouldn't trade him for anybody else. I wouldn't trade him for any other player who's being mentioned for that.''
Missouri coach Gary Pinkel has often said the same thing, and last week the Tigers unveiled ChaseTheHeisman.com, detailing Daniel's exploits. One of the junior's best assets has been an unflappable nature, and the last two victories are examples.
M twice cut its deficit to five points in the second half before Daniel led a putaway surge, and Missouri stretched a three-point lead to 24 on Saturday at Kansas State before the Wildcats got a late touchdown in a 49-32 victory that was the Tigers' first in Manhattan, Kan., since 1989.
``I think it's just me staying calm and our offense staying calm, and remembering what Coach Pinkel says about winning the game in the fourth quarter,'' Daniel said. ``We've been in this position before, and we know how to react to it this time.''
Daniel is a big football fan as well as one of the top quarterbacks in the country, so he's well aware of the Heisman talk. He also knows it's about what you've done lately.
``You just can't focus on it,'' Daniel said. ``It would be wise for us to concentrate on preparing as well as we can and if I'm supposed to win an award, I will.''

subset: commoncrawl


text:
|22 Oct 2009
Windows 7
If you Preordered from Dell...
Well spoke with Dell yesterday about my upgrade preorder after noticing a shipping error and aparently they blew it big time and shipped out the copies early (this effected many customers). Which they had to intercept. According to dell I'll have to reorder the upgrade myself as all they can do is credit my account for their mistake. When I asked them about why I was not notified all they could state was everyone effected was sent an email which I had never received (sounded fishy to me as I have ordered many thousands of dollars of equipment in the past from them and never had comunication problems). Just passing this along for those that ordered early from dell my want to double check thier orders. Even after speaking with a manager niether of them offered to resubmit my order while they had me on the phone which I thought was poor customer service, time to take my business elsewhere.
|My System Specs
|22 Oct 2009
Windows 7 Ultimate x64 SP1
Ouch sounds like someone didn't enter the info correctly and they are just passing the problem off to a system error. To me this is Dell's standard play book every time something big comes threw and they are not ready its a system or processing order and their phone staff is told to tell the customer to resubmit the order.
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Nab your copy of the official CBS Watch! NCIS Collector's Edition magazine
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You may know Sarah Shahi as the badass assassin Shaw from Person of Interest. (Or from The L Word, Alias, Fairly Legal or maybe even as Sly Stallone's daughter in Bullet to the Head.) What you may not know is that the 34-year-old Texas native is also a motorcycle enthusiast and the proud owner of […]


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Are you a fashion designer with big dreams? ALIVE Magazine might have a spot for your creations at St. Louis Fashion Week. The magazine is looking for an exclusive group of elite, emerging designers to fill this year's event, which will show at St. Louis' revitalized Union Station for the first tim ... More >>
Eleven months ago the RFT published "Broken Lives On Waterford Crystal Drive" about the Internet backlash directed at Lori Drew, the now-infamous woman who allegedly drove Megan Meier, her teenage neighbor, to suicide by sending her messages from a fake MySpace account.
Brio Tuscan Grille
Plaza Frontenac


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The Internet Show Australia
- Date:
- 11/20/2012 to 11/21/2012
- Time:
- 3:00PM to 9:30PM
- Price:
- $1567.5
- Venue:
- Sydney Convention and Exhibition Centre, Sydney NSW Australia
- Map:
View Larger Map
- Contact:
- Chua Yee Ling
- Phone:
- 02 9021 8885
- Email:
- Event Contact
- Web:
- Event Website
The Internet Show Australia expo and conference is Australia's largest internet business event. It brings together businesses hungry to profit from internet related solutions. Featuring 7 conferences covering advertising, content management, videos, mobile applications to enterprise mobility, there is something for everyone. With so much content on offer, bring your team along! Visit the exhibition to find out the latest products, services and technologies. Attend the free exhibition seminar to learn from world class solution providers.The Internet Show is co-located with The Mobile Show.Exclusive 10% discount for subscribers. Call +61 2 9021 8807 to register at exclusive rates.


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Mashantucket, CT 06338-3777 1.866.MGM.0050 1.800.FOXWOODS When it comes to meetings, Foxwoods Resort Casino® and MGM Grand at Foxwoods®, conveniently located between Boston and New York, offer amenities to suit every need and budget. Meeting spaces are myriad, with more than 150,000 square feet flexible meeting space available in a variety of configurations. The 50,000-square-foot Premier Ballroom is the largest column-free space in the Northeast, boasting a capacity of 6,000, while ...
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Payton Taylor
Nashville, TN
Saturday, July 27th, 2013 at 9:00pm
All Ages
Break out the Cowboy Hats and Boots! It's the 2nd COUNTRY NIGHT at LAZY LANIGANS PUBLICK HOUSE, featuring LIVE music from South Jersey's own, Payton Taylor! as part of her 2013 HOMECOMING TOUR! Lazy Lanigans is one of the BEST Irish Pub's in South Jersey, so, come on out and get ready to "Kick Up Some Dust"! http://lazylaniganspublickhouse.com
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|American Life League
PO Box 1350
Stafford, VA 22555
|(540) 659-7900
|(540) 659-2586
2009 NPLTW Hidden Task H1
You have found a hidden task!
Periodically there will be hidden tasks that are linked to from various websites and blogs. For example, we may post a link on Facebook so make sure you are a part of the NTPLW Facebook group. We may mention it in our Pro-Life Today newsletter. Another day, we may post a link to Rock for Life's blog... Hidden tasks have a higher point value because you have to be in the right place a the right time to even know about them. If you find one, you can feel free to spread the location around, but it may work against you!
Although the ability to load your photos is not ready yet, here are a handful of tasks that you can complete today so that you are ready to load your photos when the registration system opens!
All tasks require you to be wearing a pro-life t-shirt, preferably the official 2009 NTPLW shirt.
|Task #
|Task Description
|Taking a bite out of a hamburger. (Yes, a veggie burger counts too!)
Points are awarded simply as a way of measuring how much activity you have done for this contest. Points have no monetary or other value.


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This week in Cheap Laughs, we have nautical sketches, a marathon of jokes from a city comedy institution, Norwegians, coders, bullwhips, bullshits, and a drinking game that may reinvent theater itself. We're well worth your time. Here's our rundown of the best in independently produced New York come ... More >>
This week in Cheap Laughs, we have fancy special tapings, a late night TV staff doing improv, nerdy comics, swag comics, a royal baby pig, a tight five on autism, and dick jokes sold with love in the world's most important gay bar. It's a hot week. Here's our rundown of the best in independently pro ... More >>
"Why do you have to be so dirty?" a voice called from the darkness. "The show's called Cartoon Violence, but it's not about cartoons. There should've been a warning!" Michael Che paused. He was onstage in August 2013 during his second show at Scotland's annual Edinburgh Festival Fringe. It's true, ... More >>
This week in Cheap Laughs, we have daytime talk show legends, charitable causes, lots of gays, lots of pizza, and Jar Jar Binks doing his best Ed McMahon impression. Confused? Don't be. All will be revealed in our rundown of the best in independently produced New York comedy this week.
By all accounts, Imagine Dragons are having a very, very good week. They began it with their performance with Kendrick Lamar at the Grammys last Sunday, which was one of the most lauded of the evening. They took home the statuette--or the Blue Ivy Sippy Cup, as it's now known--for Best Rock Performa ... More >>
It's a lot, shouldering the pressure of hosting Saturday Night Live and taking its oft-unforgiving stage as its musical guest. Miley Cyrus, Lady Gaga, Bruno Mars, and Justin Timberlake have all excelled at this, and Saturday night, Drake trounced all of them as one of the most effortlessly enjoyable ... More >>
Need more Tyrion Lannister this morning? Game of Thrones star Peter Dinklage made a guest appearance on Saturday Night Live to chat about tax season on Weekend Update with Seth Meyers and Bobby Moynihan's "Drunk Uncle" character. "Drunklage," as he was affectionately dubbed by Moynihan, lamented ove ... More >>
Seth Meyers discusses his life's top stories
Forget the cast of Gossip Girl, Miss Piggy, Kermit the Frog, and Lady Gaga. Mayor Mike Bloomberg brought in some serious entertainment power to really spice up his press conference this afternoon: Saturday Night Live. Well actually, it was just Seth Meyers. But he got to use the whole stage of S ... More >>
Have you ever wondered what Alex Rodriguez's favorite works of art in the Metropolitan Museum of Art are? Would you have guessed they include a Manet, a Thomas Eakins, a 10th-11th century Sicán funerary mask and a Rauschenberg among others? Well, that's what the museum's newest ad campaign with the ... More >>
Seth Meyers wants to _____ you
The Secret Policeman's Ball: Coldplay, Mumford & Sons, Russell Brand, Eddie Izzard, and many others Radio City Music Hall Sunday, March 4 Better than: Watching the Lohan Saturday Night Live on DVR. Going to a live show that's actually meant to be broadcast on television can be a deadly propositio ... More >>
Jokes this good have to be written
This past Saturday, Drake was the featured musical guest on Saturday Night Live, and he not only got a chance to perform a couple of tracks off Take Care (Cash Money), out November 15, he also showed off the acting chops he developed while toiling away in the Canadian TV salt mines. Clips gal ... More >>
Nicki Minaj performs at Yves Saint Laurent tonight. Let's be honest: Shopping isn't really the main attraction of Fashion's Night Out. Who has time to sift through sales racks when there are so many parties to go to? Some eventsDrake's DJ set at Versace, Neon Indian's invite-only gig a ... More >>
Back in 2009 when Fashion's Night Out launched, Anna Wintour, the brainchild behind the event, aimed to celebrate the fashion industry and its consumers with an all-night party at shops and department stores throughout the city, in an attempt to spruce up retail sales in the wake of the marke ... More >>
Last night at the White House Correspondents' Dinner, President Obama absolutely eviscerated Donald Trump, who sat there stone-faced, his melon-colored hair glinting obscenely as the president leveled zinger after zinger at him. In short, it was awesome. Obama also laid into Michele Bachmann, Tim ... More >>
Bloomberg View, the forthcoming editorial page at Bloomberg News -- under the umbrella of the media and data company Bloomberg L.P., founded and owned by Michael Bloomberg, New York City's three-term billionaire mayor -- has finally released its list of high-powered editorial board members and co ... More >>
You've seen it kill kids, get banned, and be reproduced at home. This past weekend, the much-maligned caffeinated cocktail Four Loko, a/k/a "Blackout in a Can," was featured on Weekend Update With Seth Meyers. Co-founder Chris Hunter (portrayed by Jason Sudeikis), isn't the only one defending the ... More >>
At only 15, Little Minnie -- the main character of Phoebe Gloeckner's graphic novel The Diary of a Teenage Girl -- is growing up way too fast. She's failing school, hanging out with the wrong crowd, and has begun an affair with her alcoholic mother's boyfriend. Yikes! Marielle Heller, who stars ... More >>
Skip 30 Rock and head downtown
Harkavy Plans are moving apace to purposely set up a "toxic bank" full of poisonous assets to further bail out those banks that had greedily and recklessly accumulated them. Call it Shitibank. And give it the naming rights to the new baseball stadium for the New York Mets, taking the moniker awa ... More >>
'Saturday Night Live' in the post-Tina Fey, YouTube unknown
Hofstra's Slick Young Coach Takes a Small School to the Big Time


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There isn't a dog on the planet who doesn't lobby for extra goodies now and then. But dogs who persistently beg for food or steal it when no one is looking aren't merely being greedy -- they have something to tell you.
"I'm hungry." It's hard to believe that a dog who tucks into one or two good meals a day will devote so much energy to mooching. But every dog needs different amounts of food, and it's possible that your dog is merely hungry. You may want to try moving the usual dinner hour forward an hour or two. Or you can divide her usual amount of food into three or four servings and dish it out more often. Dogs will often feel more satisfied when they get several small meals instead of one big one.
"Pay attention to me." Dogs, like people, sometimes develop a strange relationship with food. In their mind it's the symbol of love and companionship, and they'll beg for food when what they really want is attention. "Never give your dog food from the table," Thomas says. "You don't want her to learn that pestering you while you're eating will result in her getting a morsel or two. Rewarding such behavior can be the start of an annoying habit."
There's a simple technique that will discourage dogs from staking out the dining table. Choose a single spot where you want your dog to stay when you're eating. It could be in a corner of the dining room or in another room. Just be sure that you can see her while you're eating. Put her on a long lead, lead her to the "place," and give her a treat. If you do this every day, she'll learn that the easiest way to get food is to go to this spot on her own, Thomas says.
"Once your dog consistently goes to her place on command, teach her to lie down and stay in that place," Thomas says. The "down" command can be tricky at first, but here's an easy way to teach it: Hold a treat level with her eyes, then draw it downward and along the ground away from her. She will follow the treat with her eyes and automatically lie down. Give her the treat, tell her to stay, then sit down and enjoy your dinner.
At first you'll want to get up a few times to reward her for staying put. Once she understands that food comes to her, she'll be perfectly content to stay in her place and will be less likely to hit you up for food while you're eating.
"I'm bored with my diet." Most dogs happily feast on the same food every day, but some get tired of having the same old thing, especially when there are more interesting food aromas to check out.
There's nothing wrong with periodically giving dogs new foods, but to avoid dietary upsets, do it gradually by adding the new food or flavor to the current one in progressively greater proportions over a period of about one week. Try mixing some wet food in with the dry. Or add water to your dog's dry food to make a gravy. Even warming food slightly can stimulate a dog's tastebuds. Warm food releases more smells, and it's the smell of food more than the taste than gets dogs excited.
- Aggression
- Barking
- Begging for Attention
- Begging for Food
- Climbing on the Furniture
- Destructive Behavior
- Greeting Disorders
- House Soiling
- Ignoring Commands
- Pulling on the Leash
Visit these message boards for more training advice:


text: Poll: Majority of NFL Players Disapprove of Commissioner Print article Send a Tip by Breitbart Sports 29 Jan 2013 post a comment In a poll conducted over nearly a month, USA Today found a majority of NFL players do not approve of Commissioner Roger Goodell's performance. USA Today polled 300 "active" players, some of whom the organization conceded were on practice squads, from Dec. 19 to Jan. 12. The poll has a margin of error of plus-minus 5%. USA Today also granted players "anonymity because they were concerned about fallout or reaction to their vote going public." The poll found 61% disapproved of Goodell and 39% approved of his performance, citing Goodell has made the NFL the country's "most popular sport." Participating in a Reddit.com AMA (Ask Me Anything) session on Monday, Goodell was asked about the poll, and he said he tries to "focus on issues that benefit the NFL in the long term, including, and most especially, our players." "I truly respect our players and get tremendous feedback from them," he said. "They help us make better decisions. I look forward to working more closely with them in the future." NFL spokesman Greg Aiello said Goodell "has tremendous respect for NFL players and always seeks their views on a wide range of issues." "He values their input tremendously in working to make the game better," Aiello said. "Roger broke into the league 30 years ago working closely with players, and he hasn't changed that approach" Pittsburgh Steelers linebacker James Harrison, whom Goodell has fined more than $100,000 for various tackles deemed to have been illegal, told USA Today that Goodell is "not totally for the safety of players" and that he "obviously disapproves" of Goodell. "A lot of stuff they've done, [such as] fining guys crazy amounts of money for helmet-to-helmet hits and all that and saying you're doing this for the safety of players," Harrison said. "But yet you want to add extra games to the regular season."


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Melissa And Doug Alphabet Express Floor Puzzle
product code: 138028
see more in this range by Melissa & Doug
- Standard UK home delivery within 7 working days - £2.95
- Click and collect in any store - FREE
product information
Great for introducing your little one to the alphabet, this Melissa And Doug floor puzzle is over 10 feet long when built and features a train of friendly animals. Made with 27 extra thick cardboard pieces, this puzzle had been designed to last, ensuring your little one can have fun building it time and time again.
Quick Facts:
Puzzle measures 6.5 x 120 inches
Comes with 27 pieces
Suitable from 36 months
How does this help my child ?
Problem solvingProblem solving
These toys teach your child to work things out for themselves.
- Weight: 1.13 kg
- Height: 30.48 cm
- Width: 24.13 cm
- Depth: 7.62 cm
Sorry, no one has written a review for this product just yet.
delivery & returns
This product is available for:
Standard Delivery
Normally delivered within 7 working days (exclusions apply including postcode restrictions and extended timescales)
Express Delivery
Delivery within 2 working days to UK mainland addresses. Regrettably this service is unavailable for deliveries to Northern Ireland.
Click and Collect Delivery
Collect from your local store. This service is available in the UK only.Please be advised that we will hold your order for a maximum of 7 days, after which time your order will be returned to our warehouse
UK returns
ELC are happy to refund or exchange any unused merchandise returned within 28 days of purchase upon production of your receipt, as long as they are returned in an unused condition and in their original packaging. Please see Terms and Conditions for details. This does not affect your rights if the product is faulty or mis-described.


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can some body tell me all the open source operating system names
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can some body tell me all the open source operating system names
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All the open source operating system mostly based on UNIX.There are a bunch of open source operating systems.Even you might not heared any of them because it can be configure for some specific systems. Important thing is most of the open based source operating system use kernel of UNIX OS. Famous Example: LINUX
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Also worth pointing your eyes at tonight: Lightfields and BBC1 Pompeii documentary
Since Terry first said he had the disease in 2007 I had always wanted to meet him and he, apparently, was keen to see me
Appropriate Adult was the big winner at last night's BAFTA TV Awards - but who else picked up gongs?
Yvonne Colgan says we need to change rules towards assisted suicide
The Discworld author, 63, met the starlings as he warned Britain's wildlife was in serious decline
Terminally ill people should be allowed to end their lives at home with the help of their doctor, a report has said.
The ban on helping terminally ill patients to die must be lifted, a panel of experts demanded in a controversial report published today.
You can check the solution for today's cryptic crossword by calling 0901 562 8767 (RoI 1550 927 614).
Sir Terry Pratchett has defended his controversial documentary on assisted suicide that aired last night, telling BBC Breakfast that he "was appalled at the current situation".
THE widow of a millionaire hotelier whose assisted suicide will be broadcast by the BBC tonight says her husband "very much felt he needed to go".
By coincidence, the BBC has scheduled its controversial documentary about assisted suicide at the same time as a strikingly similar storyline is movingly played out on ITV's Emmerdale.
THE BBC plans to court controversy by showing a man dying on screen for the second time in weeks.
Celebrities were getting a sneak preview of this year's Chelsea Flower Show today, ahead of the event opening to the public tomorrow.
RIGHT-to-die campaigner Debbie Purdy has put on hold her plans to end her life.
SCENES showing a terminally ill man dying at an assisted suicide clinic will be screened in a BBC documentary presented by Sir Terry Pratchett.
Someone gets dementia every five minutes in the UK.
The Pope's trip to Britain today suffered a fresh blow after a senior aide was dropped from the tour following an anti-UK rant.
Andrew Sachs has admitted he'd never read a Terry Pratchett book before taking on a role in the TV adaptation of Going Postal.
"You say"
Best-selling Discworld author Terry Pratchett was "flabbergasted" by his knighthood.
More and more of us are going to suffer the tragedy of Alzheimer's because we'll be living longer - but there are ways to cut your chances of getting the disease.
DEL Boy actor David Jason is coming back to TV screens as a wizard.
THE prize for quirkiest release of the year must go to Terry Pratchett's Hogfather.
AUTHOR JK Rowling has been named Britain's greatest living writer.
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We're sorry... This job has expired or been removed. It may have been filled or removed for some other reason. For your reference the original listing is shown at the bottom of this page.
IT Helpdesk Support Technician
Operation Smile • Virginia Beach, VA
Job #108221289
General Description: The Helpdesk Support Technician is a member of the Operation Smile technology team who assists with installation, maintenance, and support of PC/Desktop related issues as well as interfaces with end users on a variety of technical issues. This person is the first responder to helpdesk tickets, telephone calls, email, and personnel requests for technical support. Working directly with the end user, the Technician documents, researches, tracks and monitors various problems to ensure a timely resolution. Essential Functions: Interview end users, in person or remotely, to collect information about various technical problems and successfully guide them through diagnostic procedures to determine the source of the issue. Open, log, and track helpdesk tickets. Successfully recognize routine technical issues, research, isolate, resolve, and follow-up with the end user. Troubleshot core services including: file, e-mail, print, web, portal and network/transport. Perform basic installation, configuration, and deployment of desktop/laptop computers and peripherals. Troubleshoot basic issues where necessary. Tests software and hardware to evaluate usability and application for specific end user tasks. Writes or revises user training manuals and procedures. Trains end users on successful use of software and hardware. Experience Required (education/work): 2 to 4 Years job experience in IT helpdesk function using a helpdesk ticket system. Basic to advanced troubleshooting skills in Windows environment. Strong knowledge of Microsoft Windows 8, 7, and Microsoft Office 365 and below. Mac OS a plus, IP phones also a plus. Basic understanding of AV equipment such as smart boards, Polycom and projectors. Mobile device support such as IPad ,IPhone and Android devices. Experience installing and troubleshooting computer hardware Virus and Malware remediation skills and PC imaging. Certification: A+, N+, MCP or other base certification necessary. Advanced certifications a plus. Characteristics/Skills Required: A knack for troubleshooting basic IT issues Strong written and verbal skills Strong customer service skills Attention to detail and completeness Effective planning and organizing skills Effective problem solving techniques Excellent time management skills


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Chandra's Phoenix Chandra, Pyromaster and Pyromancer's Gauntlet. These cards are begging to be used together and it looks like a fun thing to try and pull off and it cures out so nicely! Turn 3, 4 and 5!
This is my first attempt at this deck. I decided that a tempo build would be best to get these cards working.
The idea of the deck is to disrupt my opponent turn 1-3 then drop a walker turn 4 and begin to pressure my opponent with Chandra's Phoenix Chandra, Pyromaster and Ral Zarek.
Comments and suggestions are always welcome.
Jace, Architect of Thought is there to dig for the Pyromancer's Gauntlet and to provide me with card draw throughout the game. I was thinking about removing him but Im not sure what I would replace him with.
|Date added
|1 year
|Last updated
|1 year
This deck is Standard legal.
|Avg. CMC


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GAO explain how, "Better Information Planning Would Strengthen CPSC's Oversight of Imported Products." CPSC staff give a presentation on actions being taken to implement the recommendations in the GAO Report. CPSC staff also discuss the status of substantial hazard listings on drawstrings and hair dryers and the status of product registration cards.
Live Webcasts
Six-part workshop on measurement methods for detection and characterization for the release of multi-wall carbon nano tubes from polymer matricies.
Aprenda sobre la importancia de instalar alarmas detectoras de humo y de monóxido de carbono en su hogar. Estas pueden salvar su vida y las vidas de sus seres queridos.
Chairman Inez Tenenbaum delivered the keynote speech on Feb. 17, 2010, to the International Consumer Product Health and Safety Organization. In the speech, Chairman Tenenbaum addressed crib safety.
Este video demuestra los peligros asociados a los fuegos artificiales y las consecuencias terribles que pueden ocurrir cuando se juega con estos
Este video muestra cuales fueron los coches de la marca Graco retirados del mercado, los peligros asociados a éstos y lo que necesitan hacer los padres inmediatamente para obtener una cubierta para repararlos.
CPSC's small business ombudsman discusses children's product safety rules as they apply to manufacturers of cloth diapers.
In this month's Consumer Product Safety Commission Recall Round-Up: Dunecraft Water Balz, DynoCube high-powered magnets, and Enesco's Shelly's Diner collectibles.
CPSC staff presents two items to the CPSC Commission: the draft proposed rule for amendments to certificates of compliance, also known as the 1110 rule, and the the fiscal year 2013 Operating Plan.
CHAP members present and discuss recent findings about the effects of Phthalates to children's health.
The link you selected is for a destination outside of the Federal Government. CPSC does not control this external site or its privacy policy and cannot attest to the accuracy of the information it contains. You may wish to review the privacy policy of the external site as its information collection practices may differ from ours. Linking to this external site does not constitute an endorsement of the site or the information it contains by CPSC or any of its employees.
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10 results for "jed lowrie"
Lowrie (shoulder) placed on DLSteven Krasner
BOSTON -- Jed Lowrie was placed on the disabled list Friday because of a sore left shoulder, the result of a collision the Sox shortstop had with outfielder Carl Crawford in Detroit on May 29. Lowrie had an MRI on Friday, and while the exam did no...Blog | June 17, 2011
Lowrie held out Monday with sore shoulderSteven Krasner
BOSTON -- Shortstop Jed Lowrie is being held out of the Red Sox starting lineup Monday night against the White Sox because of a sore and stiff left shoulder. Lowrie suffered a bruised shoulder when he collided with left fielder Carl Crawford durin...Blog | May 30, 2011
The Boston Red Sox paid for their decision to rest Daniel Bard ag...Steven Krasner
The Red Sox stuck to their decision to rest Daniel Bard, and it cost them.Story | Conversation | May 21, 2011
Notes: Running Jays keep Sox on toesSteven Krasner
BOSTON -- The Blue Jays, who have been aggressive on the basepaths all series, pulled off a successful double steal in the second inning, scoring a run that put Toronto on top 1-0. Boston manager Terry Francona said the Sox were expecting the...Blog | April 17, 2011
Rapid reaction: Sox 8, Jays 1Steven Krasner
BOSTON -- Pitching is the key to winning games. That's no secret. "You can have inconsistent hitting and still win, but if you pitch [well], you give yourself a chance to win every night," Red Sox manager Terry Francona said Sunday morning. ...Blog | April 17, 2011
Lineup: Lowrie back in there at shortstopSteven Krasner
BOSTON -- Here is today's Red Sox lineup for their game against the Blue Jays (1:30 p.m.). Jed Lowrie (hitting .500) is back in today at shortstop instead of Marco Scutaro. Carl Crawford is also back in there after a day off. 1. Carl Crawford, L...Blog | April 17, 2011
Sox lineup: Crawford out; Lowrie leading offSteven Krasner
BOSTON -- The 2-10 Red Sox are shaking things up a bit for today's matinee against the Blue Jays (1 p.m.), sitting J.D. Drew and the struggling Carl Crawford against lefty Jo-Jo-Reyes. Jed Lowrie will also get the start at shortstop and hit leadoff f...Blog | April 16, 2011
Boston Red Sox sit Carl Crawford; hopes to get back 'focus'Steven Krasner
Manager Terry Francona scratched Carl Crawford from the Red Sox's lineup for Saturday's game.Story | Conversation | April 16, 2011
Lowrie makes case for more timeSteven Krasner
BOSTON -- Jed Lowrie is forcing his way into the lineup. Despite sporadic playing time early this season, Lowrie has gone 7-for-16 (.438), including a pair of doubles in Tuesday night's 3-2 loss to the Tampa Bay Rays. One of Lowrie's doubles,...Blog | April 13, 2011
Lowrie, Hall to get some work at first baseSteven Krasner
BOSTON -- Jed Lowrie and even Bill Hall will get more work at first base, emphasizing the Red Sox's versatility. Mike Lowell is the primary first baseman, but manager Terry Francona doesn't want to run the veteran infielder into the ground, so h...Blog | August 22, 2010


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Click here to print the obituary below
Velda (Whitacre) Cassel
Velda A. (Whitacre) Cassel, age 77, of New Oxford, and formerly of Mechanicsburg, passed away Monday, June 9, 2014 at Cross Keys Village.
Born October 3, 1936 in Cumberland, MD, she was preceded in death by her parents, Rev. Howard A. and O. Marie (Bennett) Whitacre and three grandchildren.
Velda was a member of Mechanicsburg Church of the Brethren, retired from Harrisburg Hospital and volunteered at Cross Keys Village.
Surviving is her husband, Paul H. Cassel, Jr.; her daughters, Susan Ballhorst, husband William of Wellsville, Patricia Wegrzynowicz, husband Gary of VA, Penny Ohrum of New Cumberland, Lorrita Keller, husband Michael of Manheim, Diane Zeltwanger widow of Steven of Gettysburg, and Paula Baer, husband James of Gettysburg; her son, Steven Cassel and wife Phyllis (Rupp) of Halifax; as well as 22 grandchildren and 9 great-grandchildren.
Funeral services will be held at 10:30 AM Friday, June 13 at Mechanicsburg Church of the Brethren, 301 Gale Street, Mechanicsburg. There will be a viewing from 6:00 to 8:00 PM Thursday, June 12 at Malpezzi Funeral Home, 8 Market Plaza Way, Mechanicsburg. Interment will be private in Mechanicsburg Cemetery.
Memorial contributions may be made to Cross Keys Village, 2990 Carlisle Pike, New Oxford, PA 17350
To sign the online guest book, please visit
Funeral Home
Malpezzi Funeral Home
8 Market Plaza Way
Mechanicsburg, PA 17055
(717) 697-4696
Published in Patriot-News on June 10, 2014


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Photos: Samsung hard drives at WinHEC
Summary: The South Korean company shows off its hybrid hard drive, plus a solid state hard drive, at the Microsoft confab.
2 of 2Image
Hybrid hard driveMicrosoft plans to introduce a set of performance-enhancing features called Windows ReadyDrive in Windows Vista. ReadyDrive promises to take advantage of hybrid hard disk technology to improve a computer's overall performance.
Hybrid hard disks incorporate a nonvolatile cache in a traditional mechanical design. The photo here shows the mechanical part and the cache part separated out.
The cache (also called flash memory) ranges from 128MB to 1GB or more. It's used by the SuperFetch feature of Windows Vista to store frequently accessed data, providing faster access speed. It also provides lower power consumption, as the mechanical part of the hard drive remains at rest, while Windows Vista accesses only the cache area of the drive.
The majority of hybrid hard drives will come in a 2.5-inch form factor with an ATA interface and capacity of up to 100GB. The first vendor to showcase a .
Solid-state hard drive
Also at WinHEC, Samsung introduced its first solid-state hard drives. In these devices, the entire hard drive is nonvolatile cache without any moving parts. (It's almost like using a USB thumbdrive as the main hard drive for the notebook.) The device aims to significantly reduce the boot time of a PC, as well as improve performance. However, the price per gigabyte of a solid-state hard drive is currently about 30 times higher than that of a traditional hard drive, and capacity is limited to about 30GB.
Kick off your day with ZDNet's daily email newsletter. It's the freshest tech news and opinion, served hot. Get it.


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public domain image via Florida Guy 128 on wikimedia commons.Hallandale Beach at SunsetThe image above is of the sleepy-looking beachside town called Hallandale, Florida and gives no indication of the city's Black musical history. But the Palms in Hallandale, just north of Miami, otherwise known ... More >>
"Don't fight it, we gona feel it tonight, ya understand." And with these words Sam Cooke launched into "Feel It" on what would become his "Live At The Harlem Square Club, 1963" album, though it wasn't released until 1985, well after his death. Jerry Wexler, the man who coined the term ... More >>


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Professor Rob Natelson of the University of Montana School of Law is an expert on the framing and adoption of the United States Constitution. He was recently interviewed by Dori Monson on NewsTalk 97.3 FM in Seattle – it's definitely worth the listen.
The interview runs just under 18 minutes, and you can load the audio by clicking the play button below:
Here's a few recent articles that Professor Natelson has contributed to the Tenth Amendment Center:
Rob Natelson is Professor of Law and David Mason scholar at the University of Montana, where he teaches constitutional law and constitutional history. He is currently seeking a publisher for his latest book, The Original Constitution.
Michael Boldin
Latest posts by Michael Boldin (see all)
- Will Utah Succeed Where the USA Freedom Act Failed? - November 20, 2014
- Ten Steps to Support the 10th Amendment Today - November 19, 2014
- The State-Level Plan to Stop Obamacare - November 13, 2014


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Can taking metoprolol and Benicar for high blood pressure make a person not feel well?
- Q: I have high blood pressure. I take metoprolol 20 mg and Benicar 40 mg a day, and I don't feel well. I am a 72 year old woman in good health.
- A: Hypertension or high blood pressure often has no known cause. This is known as essential hypertension. It also may have no symptoms. But, people with hypertension are at risk for complications, such as heart attack and stroke. Hypertension can also cause kidney damage and vision loss. So, it is important to treat hypertension and get blood pressure under control. This will likely involve a combination of medications and lifestyle changes, including eating a healthy diet, maintaining a healthy weight, quitting tobacco use, and reducing stress and salt use. As with all medications, high blood pressure medications can have side effects in some people. If you are experiencing side effects from your medications, talk to your doctor. The goal of any medication therapy is to find the most effective drug with the least amount of side effects possible. Your doctor is best able to properly evaluate your medical condition and make recommendations based on your specific circumstances. Consult your doctor for specific treatment recommendations. Sarah Lewis, PharmD
Related Questions
- Q: Can Benicar, amlodipine, and a diuretic cause abnormal saliva or burning tongue symptoms?
- Q: Is it safe to take Levsin with BPH and high blood pressure?
- Q: Should I stop taking blood pressure medication if my blood pressure is not high?
- Q: Do metoprolol and lisinopril cause dehydration?
- Q: Can any of these medications (metoprolol, amlodipine, omeprazole, simvastatin, vitamin D) cause nightmares?
If this answer isn't what you were looking for, then ask a question of your own:
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Don Pepin Black Edition Toro 1950 6x52 (In Store Only)
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Each $105.00(Reg:$142.95)
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Type: Cigars
Country: Nicaragua
Wrapper: Nicaraguan
The Cuban Classic or Black Label from master cigar maker Jose Pepin Garcia is compiled of all Nicaraguan tobaccos that come from higher priming's which give this cigar its robust flavors. Covered with a premium Habano Rosado wrapper and topped off with a traditional Cuban triple cap the cigar produces spice and wood notes that collaborate with flavors of cocoa and coffee to fill your palate. The finish is long and strong, imitating what a great Cuban cigar should be like.
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Sarah Summers is Ultra Hot in Pinupesque Pictorial
June 20, 2014 | Playboy Cybergirls, Sarah Summers | 1 Comment
Playboy Cybergirl of the Month Sarah Summers is a sensuous temptation in this modern take on a pinup girl. Her platinum blonde waves and vintage black lace panties give her such a temptingly old fashioned look that it is an incredible turn-on.
She is reminiscent of other blonde beauties from the golden age and your heart swells with desire and appreciation as she moves her legs gracefully, giving you the opportunity to enjoy every inch of her incredible perfection. Sarah Summers is one of those babes that captivates all the attention in the room and with a smile like hers, she makes your heart skip a beat.
Enjoy more nude pics of Sarah Summers inside Playboy Plus
Leanna Decker Looks Tasty in Kandy Magazine
June 20, 2014 | Leanna Decker, Playboy Cybergirls | 3 Comments
Sexy and beautiful redhead Playboy Cybergirl Leanna Decker is letting the world know a little secret that we Playboy fans have known for a long time – she is one hot commodity. Showing off her incredible body in a non-nude pictorial for Kandy Magazine, the gorgeous vixen is looking amazing. Her sweet face and outstanding curves show off well, along with a few quotes that let us know just a bit more about what this tantalizing seductress is really like behind the camera.
It's no wonder that Leanna Decker is the woman so many of us are completely smitten with. She's smart, drop-dead beautiful, and her body is enough to keep you fantasizing for weeks on end. This Playboy Cybergirl is a dream come true and she is definitely our favorite eye kandy – sweet, sensuous, and incredibly delicious!
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Cosmo Strips Off Everything But Her Thigh Highs
June 19, 2014 | Cosmo, Playboy International Models | 3 Comments
Beautiful Playboy International Model Cosmo has a special fondness for sexy lingerie. One of her favorite things to wear are thigh high stockings. She loves the way they hug her legs in sensuous delight, showing off every supple curve and making her feel incredibly classy, no matter what else she might be wearing.
Even when she strips every other stitch of clothing off, the vixen likes to keep her nylons on. When you see her luxuriating in the bed, wearing nothing but beads and stockings, you'll see just how exquisite she is and you'll never want her to take those stockings off again!
Cosmo Bio
Measurements: 33-23-35
Height: 5′ 5″
Weight: 115 lbs
Birthdate: May 18, 1991
Birthplace: Budapest Hungary
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Luna Sauvage Takes Off Her Bra and Panties
June 19, 2014 | Luna Sauvage, Playboy International Models | 2 Comments
Playboy International Model Luna Sauvage is an Italian goddess with long, dark hair, delicate facial features, and a sleek, slender body designed to be stared at with mouth agape. This tantalizing vixen looks at you so directly, with no pretense or guile.
She is completely comfortable inside herself, and when she slips off her clothing, her nudity is so natural and effortless, it can almost be a little intimidating. But a woman like Luna Sauvage is well worth any challenge she might present to those who are weaker. Only men who are also strong and comfortable inside of themselves need apply.
Enjoy more nude pics of Luna Sauvage inside Playboy Plus
Nasia Jansen Ditches Her Bikini to Skinny Dip
June 18, 2014 | Nasia Jansen, Playboy International Models | 1 Comment
Beautiful German-born Playboy International Model Nasia Jansen is so breathtaking as she luxuriates in the water. With long, dark hair and intoxicating ice blue eyes, this stunning siren is pure magic. She has a way about her that completely captivates your imagination and from her gorgeous face to her tantalizing curves, she is a star.
Large breasts and a firm, succulent body are simply two of the many gifts she brings to the table, but once you see them, you will find them permanently fixated in your mind like a siren song that entrances and enriches your soul. Jump in for a swim with Nasia Jansen as she loses her tight bikini to get all wet!
Nasia Jansen Bio
Measurements: 32-24-36
Height: 5′ 5″
Weight: 108 lbs
Birthdate: March 06, 1992
Birthplace: Berlin, Germany
Enjoy more nude pics of Nasia Jansen inside Playboy Plus
Barbra Lee Lifts Top Exposing Underboobage
June 18, 2014 | Barbra Lee, Playboy International Models | 1 Comment
Sweet and tantalizing, Playboy International Model Barbra Lee shows you that she is a bit of an old-fashioned girl, even as she takes off her clothing to reveal sexy lingerie and sensuous curves. Her white blonde hair and strawberries and cream complexion make her appear extra tasty, and as she reveals her nude skin, you see her lovely tan lines.
This tells you that this seductive vixen got her color the old-fashioned way – by laying out in the sun. It also lets you know that she doesn't just lay out naked when she tans – making her nudity feel just a little more personal.
Barbra Lee Bio
Birthdate: October 26, 1991
Birthplace: Calgary Alberta Canada
Enjoy more nude pics of Barbra Lee inside Playboy Plus
Kamila Hermanova Slips Off Her Sexy Jeweled Bra
June 17, 2014 | Kamila Hermanova, Playboy International Playmates | 3 Comments
With her gorgeous cap of silky red hair and a face that is as sweet as can be, Kamila Hermanova is one incredibly captivating Playboy International Playmate from the Czech Republic. She poses in lacy white bra and g-string panties, her breasts full and her bottom lush. Her skin is the color of cream touched with rose petals and as she slowly strips, you can see that every inch of her is silky smooth and absolutely flawless.
She looks into the camera with eyes that sparkle with the same mischief you can see in her stunning smile. She loves knowing that she has your full attention as you drink in every breathtaking inch of her beauty. Memorize her lines so that you can remember her as you lay in bed at night. Kamila Hermanova wants to keep you awake, dreaming delicious dreams of her!
Enjoy more nude pics of Kamila Hermanova inside Playboy Plus
Join Kamila Hermanova at Playboy
Jamie Michelle Slithers Out of Snake Skin Bra
June 17, 2014 | Jamie Michelle, Playboy Cybergirls | 1 Comment
Slender and sensual, Jamie Michelle waits for you in her bedroom wearing a pair of black panties and a silver and black bra. She kneels on the bed, bestowing a big smile upon you, and she looks so happy to see you that you can't resist her. This Playboy Cybergirl loves it when you look at her. She tosses her dark blonde hair and slowly slips off her bra. Her large, full breasts are intoxicating to look at and as she sits topless, her long legs stretched out in front of her, she looks so beautiful you just want to sigh and smile.
The temptress teasingly runs her hands over her own body, knowing how much you wish her hands were yours. Her skin is smooth and soft, and she loves the sensations. She slips off her panties and relaxes, totally naked and happy. Jamie Michelle loves to be the girl you desire.
Jamie Michelle Bio
Height: 5′ 6″
Weight: 103 lbs
Birthdate: April 21, 1983
Birthplace: Los Angeles California USA
Enjoy more nude pics of Jamie Michelle inside Playboy Plus
Join Jamie Michelle at Playboy
Elizabeth Marxs and Ali Rose Strip Down Nude in the Garage
June 16, 2014 | Ali Rose, Elizabeth Marxs, Playboy Cybergirls | 4 Comments
When hot and gorgeous brunette Playboy Cybergirls Elizabeth Marxs and Ali Rose get together in the garage, you can hear the power tools start running almost immediately. These talented vixens are always happy to create something wonderful, and when they are naked, things get even better.
It might not be the safest thing, running power tools when they are bare to the world, but these smart and talented minxes always put on their safety glasses when it matters the most. Their stunning perfection will have you anxious to run out to the garage to see what you can cook up with your new found inspiration!
Enjoy more nude pics of Elizabeth Marxs and Ali Rose inside Playboy Plus
Join Elizabeth Marxs and Ali Rose at Playboy
Vannessa Jay Slides Hands Into Striped Panties
June 15, 2014 | Playboy Coeds, Vannessa Jay | 3 Comments
In a sexy black shirt and striped panties, Playboy Coed Vannessa Jay is one hot woman. Her long brown hair and beautiful face will captivate you all the way. She has a look of serious intelligence that is almost intimidating, and a body that is built for sin. She lowers her shirt and bares her breasts while playing with her panties. She loves to tease and torment you before she starts removing clothing, and when she does, the panties come off first.
Her amazing body is completely alluring and as she stands, nearly naked, she gazes out the window with a wistful look. This Playboy Coed is dreaming of you. Vannessa Jay wants a man like you in her life. This stunning beauty knows exactly how to capture your attention – and how to keep it!
Enjoy more nude pics of Vannessa Jay inside Playboy Plus
Jessica Ashley Relaxes Nude on the Couch
June 14, 2014 | Jessica Ashley, Playboy Playmates | 10 Comments
Beautiful brunette Jessica Ashley is the ultimate temptation when she smiles at you, showing off those adorable dimples. This sexy and sultry Playboy Playmate makes you want to run out and buy flowers and a fine wine just to impress her before asking her out to dinner. But this down to earth babe is happy to invite you into her home to relax and get comfortable.
Her idea of comfortable, though, is to get naked and natural, kicking back and enjoying some flirtation and conversation. The sexy girl next door will have your head spinning with her natural ability to seduce!
Enjoy more nude pics of Jessica Ashley inside the Playboy Cyberclub
Join Jessica Ashley at Playboy
Sarah Summers Slides Out of Tiny Denim Shorts
June 13, 2014 | Cybergirl of the Month, Playboy Cybergirls, Sarah Summers | 2 Comments
Playboy Cybergirl Sarah Summers is simply divine. Her light blonde hair glows with light and her sweet face is stunningly beautiful. Her dark eyes seem to look right through you as she gazes into the camera and her body is non-stop deliciousness, with ample curves on her slender form.
This luscious beauty relaxes on an outdoor sofa in the sunlight, soaking up the day as the gentle breezes caress her tender skin. Spending the afternoon in her company would be the perfect way to enjoy the day! Just remember, Sarah Summers loves to drive her men crazy, but you'll enjoy the trip!
Enjoy more nude pics of Sarah Summers inside Playboy Plus
Kimberly Kisselovich on UK Big Brother Considers Sex in the House
June 12, 2014 | Kimberly Kisselovich, Playboy Cybergirls | 4 Comments
The latest housemate to take part in Big Brother 2014 UK is Playboy Cybergirl of the Month for June 2013 Kimberly Kisselovich. The sultry brunette has titillated us with her plentiful curves and drop-dead good looks, and now she'll show off her brains and sense of cunning. The model sports a law degree – a fact that has made people compare the former cheerleader to Elle Woods from "Legally Blonde". The bombshell she dropped in a pre-show interview is that she's already considered sleeping with a housemate if she happens to hit it off with any of them. Kimberly Kisselovich is certain to keep them all on their toes, making us all wish we were fellow housemates!
For those of us that don't have the UK based Channel 5 and can't watch the show, we'll have to enjoy revisiting Kimberly Kisselovich doing her morning routine of nude yoga. Once you've had your fill of her stretching and bending, check out all of her videos at Playboy Tubes – they've made Kimberly their featured babe of the week!
Enjoy more nude pics of Kimberly Kisselovich inside the Playboy Cyberclub
Join Kimberly Kisselovich at Playboy
Nicolette Shea Gets Soaked in the Shower
June 12, 2014 | Nicolette Shea, Playboy Cybergirls | 2 Comments
Playboy Cybergirl Nicolette Shea is so stunning, if you were to run into her at a bar you might be nervous to talk to her. She has a gorgeous face and beautiful eyes, with full pouty lips that make you dream of kissing her in a thousand ways. Her hair is long, blonde, and hangs in sensuous waves. Her body is sheer magnificence – her breasts alone are so full and large and firm that you have to remind yourself not to stare. This beauty is pure seduction – but with a sense of fun that is not to be missed.
There's something about seeing this siren soaked in the shower that will bring out anything but clean thoughts. Her ample curves with droplets of water cascading down that silken skin – it's as if you can taste her purity.
Enjoy more nude pics of Nicolette Shea inside the Playboy Cyberclub
Join Nicolette Shea at Playboy
Jessica Ashley Shows Her Perfect Breasts
June 10, 2014 | Jessica Ashley, Playboy Playmates | 11 Comments
Jessica Ashley is one stunning beauty. Her long brown hair falls around her shoulders in sensuous waves, touched by the light of the sun. Her skin is softly tanned and her large brown eyes glimmer with strength. The beautiful Playboy Playmate surrounds herself with color, showing off the vibrancy of her personality with many bright hues around her.
She dazzles the eyes as she strips and poses, even laying down and arching her back. She is so captivating and alluring that it doesn't really matter if she has clothing on or not – you are helpless to look away from this enchanting woman.
Enjoy more nude pics of Jessica Ashley inside the Playboy Cyberclub


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Monday Sector Laggards: Services, Consumer Products
Looking at the sectors faring worst as of midday Monday, shares of Services companies are underperforming other sectors, showing a 0.5% loss. Within that group, H & R Block (NYSE: HRB) and Kohl's (NYSE: KSS) are two large stocks that are lagging, showing a loss of 5.0% and 2.8%, respectively. Among the largest ETFs, one ETF closely following read »Joel Kornblau, Contributor


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Metals and Mining
Company Overview of Newmont Gold Company
BOARD MEMBERS AFFILIATED WITH Wayne W. Murdy B.Sc. (Business Administration), C.P.A.*
Former Chairman and Member of Manufacturing Council
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|David A. Crawford
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To contact Newmont Gold Company, please visit . Company data is provided by Capital IQ. Please use this form to report any data issues.
Our data partners will research the update request and update the information on this page if necessary. Research and follow-up could take several weeks. If you have questions, you can contact them at firstname.lastname@example.com.


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Peace Joy Love Holiday Photo Card
What more fitting holiday sentiment to share with family and friends this season. Just add your favorite photo and signature, and send along your best wishes for the year ahead!
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Save 35% on Personalized Holiday Cards - ends Monday, December 1!
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- Summary: The fourth round of the Celebrity edition of The Apprentice features Gary Busey, Jose Canseco, David Cassidy, Hope Dworaczyk, Richard Hatch, La Toya Jackson, Star Jones, Lil Jon, NeNe Leakes, Marlee Matlin, Mark McGrath, Meat Loaf, John Rich, Lisa Rinna, Niki Taylor, and Dionne Warwick.
- Genre(s): Reality, Game Show
- Show Type: In Season
- Season 11 premiere date: Mar 6, 2011
- Episode Length: 120
- Air Time: 08:00 PM
- More Details and Credits »
Score distribution:
Positive: 2 out of 4
Mixed: 2 out of 4
Negative: 0 out of 4
You can always count on Gary Busey to bring the crazy, whether he's playing himself on "Entourage" or stumbling through "Celebrity Rehab With Dr. Drew." The man is a treasure. Casting Busey is so easy it's practically cheating.
What really matters on Apprentice, though, are the celebs: This season's B- and (let's face it) C-listers are a good, volatile mix. [14 Mar 2011, p.42]
Celebrity Apprentice is pretty much in its typical form, which is to say, craziness involving mostly D-list celebrities, including NeNe Leakes, Star Jones, Lisa Rinna, Gary Busey, Mark McGrath and "Survivor" winner Richard Hatch.
As entertaining as the crazy can be, there's an undercurrent of pathos in Celebrity Apprentice, hidden in the way these people bow to "Mr. Trump" and submit to the contrived challenges as if they're in rehab cleaning toilets.
Score distribution:
Positive: 3 out of 3
Mixed: 0 out of 3
Negative: 0 out of 3
Mar 13, 2011This season should be called Celebrity Apprentice: Plastic-Surgery Edition. So many of them look like haunted marionettes.
I have never been a huge fan of this show but I admit I caught the first episode and I may just be hooked. There are so many characters in this season but more ego and of course Gary Busey. Right there he is the one reason to watch for sure as everything that comes out of his mouth just makes no sense. You have to watch just to see how funny and insane he truly is and you will be hooked for sure.… Collapse
Mar 15, 2011This season of The Apprentice is more of the same. Silliness, celebrity egos, bickering and firing. If you like it, you will love this season. If you hate it, this won't change your mind.… Expand
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Published: July 27, 2010Reality competition shows have become a fixture of primetime television over the past decade. Our reality TV expert selects some of the best and worst examples of the genre from the past 10 years.
- By user score


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Tax Refund Options
File Online
What's Trending
Receiving correspondence from the Internal Revenue Service is enough to incite anxiety and panic in most Americans, and now a group of unknown individuals is using this fear to trick people out of
When it comes to end-of-year tax planning, most people focus on the deductions and credits that could put them in a better position and allow them to reduce their taxable income or secure larger re
Many people switch jobs multiple times over the course of their lives, oftentimes leaving behind employer-sponsored 401(k) accounts. Determining what to do with these retirement funds can be tricky
In today's economy, many Americans are happy to have a job and therefore may pay little attention to how their employer classifies them on federal forms. While it is an employer's responsib
Employees who are enrolled in a flexible spending account may have more leeway and discretion when it comes to using the money they have contributed to the tax-advantaged fund.
The U.S. Depar
Most people have heard of end-of-year tax planning, but there is still a large percentage of Americans who wait until the last minute each filing season to start gathering their forms and setting u


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A South Bend man found guilty of a deadly stabbing was sentenced Wednesday to 70 years behind bars.
In April, Lamont Barr was convicted of killing 44-year-old Adrian Ivey last October.
Ivey died after Barr stabbed him on North Lawndale Avenue, on South Bend's northwest side.
Police say the pair got into a fight over cigarettes in Ivey's truck shortly before the stabbing.
After that, Barr ran off and Ivey started driving.
Ivey was found after he crashed his truck into a tree in the 900 block of Lawndale. He was pronounced dead at the hospital.
Barr will be sentenced Wednesday.


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Photo Sharing
Home update ushers in photo sharing, BUZZ, Ghostbusters
As of today, Home users will be able to share user created content in the way of photo sharing. Picture frames are to be made available in the Mall where you can then upload photos from your hard drive or select various default pictures, and then display them in your little PS3 apartments. You can […]6


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Kitchen cabinets, levingroom sets, bedroom sets, children's room sets, upholstered furniture, portmanteau, office and hotel furniture by a catalog or according to your ideas!
Manifacturing, delivery, installment of furniture made individualy for every client, featuring home,office, hotel furniture.
Raydor Company specializes in designing, manufacturing and installing interior and exterior doors of MDF. The products are widely used in both public and private buildings.


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15 Ways to Wear Short Curly Hair
Its a fine line between rocking flirty spirals and looking like Little Orphan Annie. Heres how to do it right.
By Jennifer Conrad
Lupita Nyong'o
This year's breakout star only needs a little hair to look hugely stylish. "Short hair comes with personality," says Morgan Willhite, creative director for the curl-centric brand Ouidad. "It takes confidence to pull off a curly, short 'do."
Getty Images


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Select () or exclude () categories to narrow your recipe search.
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Find exactly what you're looking for with the web's most powerful recipe filtering tool.
1/4 Photos of Empanadas (Appetizer)
Prep Time:
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20 mins
20 mins
Put these babies on your next Mexican menu. You won't be disappointed. Cook time does not include browning the beef.
Units: US | Metric
Serving Size: 1 (623 g)
Servings Per Recipe: 1
Every recipe, menu, tip and how-to is right here, at your service.


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Simplifies and centralizes multiple transmitter setups.
The Audio-Technica MCB4 Antenna Combiner is designed to combine the signals from up to 4 Audio-Technica M3 Wireless In-Ear Monitor stereo transmitters onto a single transmitting antenna. The result: reduced clutter in your rack and increased savings for you.
The Audio-Technica MCB4 antenna combiner's wide-band unit operates over the 440-865MHz range. Though it is designed to complement Audio-Technica M3 Wireless In-Ear Monitor Systems, the M84 active antenna combiner is also suitable for many other in-ear wireless systems (with external BNC antenna connections) operating within the 440 to 865 MHz range. Audio-Technica equips the MCB4 1 antenna combiner with 1 output and 4 isolated transmitter inputs. All RF connectors are BNC-type.
Four jacks on the rear panel (controlled by the M84 unit's power switch) provide 12V DC (center positive) to power as many as 4 wireless microphne transmitters operating on 12 volts at up to 600mA each. Included with the Audio-Technica M84 antenna combiner are 4 DC cables appropriate for use with M3T (or like-powered) wireless transmitters. Audio-Technica built short-circuit protection into the 12-volt transmitter's power supplies. The Audio-Technica MCB4 active antenna combiner's all-metal construction contributes to extreme durability and protection from radio frequency interference.


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Site Search
Industrial and Commercial Bank of China (ICBC)
Industrial and Commercial Bank of China (ICBC) is one of the largest banks in the world. In 2012, the Bank ranked number one on Forbes Global 2000 list of worlds biggest public companies. ICBC provides corporate and personal banking, treasury operations, investment banking, asset management, trust, financial leasing and other financial services. Total assets: approx. US$ 2,764 billion (as of September 30, 2012). Market capitalization: US$ 236.4 billion (as of December 31, 2012).
These ads are not affiliated with Industrial and Commercial Bank of China (ICBC)
ID: 779. Updated: 01.05.2014
Disclaimer: Banks' information published on this site may not be true or accurate at all times. Always contact your bank to verify the correct bank parameters before using in a payment transaction. The directory of banks is published solely as a courtesy. We assume no responsibility or liability for the accuracy or completeness of the listings in directory. The data contained in this directory has been compiled from a number of sources.
2007-2014 Banking Directory | Press Release Distribution Service


text: Tesla vs. the NY Times Follow Up by John Sexton Feb 14, 2013 1:16 PM PT Tuesday I wrote about the public spat between Tesla's co-founder Elon Musk and John Broder, a writer for the NY Times. Broder wrote a negative story about Tesla's $100k electric sports car (the Model S) and Musk responded by accusing him of faking the events in the story. Musk claimed that data logged during the test drive proved Broder hadn't been honest in his account.Yesterday, Musk did publish a response on Tesla's website including several graphs based on data taken during the test drive. It turns out that some of the claims Broder made are not true. Specifically, in his initial response to Musk he claims "I drove more than 100 miles below 55 on cruise control to conserve power." Not so according to the logs which show a roughly 100 mile stretch driving an average of 60mph.Continue reading Share This: Read more