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Sites and collections from this organization are listed below. Narrow your results at left, or enter a search query below to find a collection, site, specific URL or to search the text of archived webpages.
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This collection is composed of agencies and commissions that have authority over more than one county but generally are not state wide. Most of these are either regional planning commissions or water authorities. There are also efforts that cross state lines,such as the Southern Growth Policies Board, the Southern States Energy Board, and the Tennessee-Tombigbee Waterway Authority.
Subject: Government - US States, Government - Counties, Government - Cities, Economic development - Alabama, Alabama - Government, Alabama - Tourism, Alabama - Industrial development, Infrastucture - Alabama
Creator: Alabama Department of Archives and History
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Charles Schwab Corp. (A)
F. Warren McFarlan, Nicole Tempest
Revision Date:Mar 30, 2001Publication Date:Sep 09, 1999Discipline:Information TechnologySource:Harvard Business School |
Product number:300024-HCB-ENG Length:19p |
English Hardcopy Black & White
Also Available in:
English Hardcopy Black & White | $ 6.93
A look at the industrial restructuring in the brokerage industry made possible by e-commerce. Focuses the student's attention on the decision alternatives facing Charles Schwab, one of the industry leaders in January 1998. In a word, the challenge is "Do they slash prices to meet competition from companies like E-Trade or do they stand still?"
learning objective:
To sharpen student insight on implementation of e-commerce concepts.
subjects covered:
Competition; Information technology; Marketing management; Pricing
- Geographic: California
- Industry: E-commerce
- Industry: Securities & investment banking
- Company Revenue: $2.2 billion revenues
- Event Year Begin: 1998
- Event Year End: 1998

subset: commoncrawl


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Letters to the Editor - Jan. 22, 2013
Tuesday, January 22, 2013 Same rights
To the editor: The First Amendment protects the freedom of religion, speech, the press, assembly and petitions. It's important because the people should have the right to express themselves. People should have the right to worship who they want or no one at all. If we didn't have the freedom of speech it might be like China. Bright idea
Thank you
Hopefully those that received the additional groceries were able to have a better holiday. Gun free?
President Obama and many rich "elites" send their children to schools with armed guards. But they force the children of the rest of us into school "gun free zones" which they know are a dangerous invitation to wannabe mass killers. |


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This product has not been rated
The Mahlkonig K 30 Twin Espresso Grinder is an award winning design featured as an official grinder of the World Barista Championship and is a great choice for a busy coffee shop or restaurant. With its stylish and quite twin grinding stations you can be set up for rapid delivery of many different coffee drink grinds, and at 2 seconds per single shot of espresso we do mean rapid! It is a precise performer that relieves you of any worries about grind consistency. The programmable controls...
This product has not been rated
Operating and adjusting the grind fineness of the Mahlkonig EK 43 is quite simple. Press on the handle of the bag holder and slide an open bag onto the spout. Release the handle to hold the bag in place. Use the large rotary knob on the front of the grinder to select desired grind fineness, and then switch on the grinder! Voila! It will grind a pound of coffee in less than a minute. It is a great choice for a retail bulk coffee sales operation.
This product has not been rated
The Mahlkonig K 30 Vario Espresso Grinder is a great choice for a commercial coffee service needing to brew 2 to 3 double shots of espresso per minute. It will maintain a consistent grind over thousands of operations and is easy to setup and maintain. You can grind 5000 shots before it needs cleaning. And 100,000 before the burrs need replacing. A simple locking knob and slider on the top of the casing allows for infinitely variable grind fineness. The 65mm steel grinding discs are belt...
Mon-Thu: | 9am-8pm EST |
Friday: | 9am-6pm EST |
Sat & Sun: | 10am-3pm EST |


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Media centre
For media queries please email firstname.lastname@example.com or call 020 7820 6256. For urgent queries outside of normal office hours please call 07887 626 224.
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If you are a journalist who is interested in our work, please email firstname.lastname@example.com to be added to our media list. Please note that this service is intended only for journalists who wish to be added to our media database and receive press releases - others who wish to keep up-to-date with our work should sign up for email updates.
Find out more about the National Literacy Trust.
Media releases
21Nov2013Simon Mayo supports drive to get boys writing
New National Literacy Trust research shows boys' are half as likely to enjoy writing as girls. Simon Mayo joins the charity's campaign encouraging boys to write.
04Oct2013The Duchess of Cornwall launches search for Literacy Heroes
New research reveals more children are embarrassed to be seen reading.
03Oct2013Top results for Oxfordshire Reading Campaign
The Oxfordshire Reading Campaign has ended its first year on a high, with county schools exceeding Key Stage 1 teacher assessment targets.
31Jul2013Research finds mealtime chat supports kids' learning - but 1 in 4 missing out
New research by the National Literacy Trust shows that 26% of children don't speak to their families at mealtimes.
23Jul2013Tottenham Hotspur Foundation hosts event to kick-start children's reading
The Tottenham Hotspur Foundation has partnered with the National Literacy Trust to promote reading.
15Jul2013Government must act on literacy to break poverty cycle, says charity coalition
A new report from the National Literacy Trust calls for a radical change in the Government's thinking on literacy policy.
10Jun2013Lauren Child hosts school library makeover
Pupils at St John the Baptist Primary School in Hackney met bestselling children's author Lauren Child at a National Literacy Trust event today (Monday 10 June).
29May2013Joanna Trollope is appointed as a trustee of the National Literacy Trust
Joanna Trollope OBE has been appointed as a trustee of the National Literacy Trust. The renowned author has been supportive of the charity for several years and recently become an author ambassador for its 20th anniversary.
16May2013Children's on-screen reading overtakes reading in print
Research finds those who read daily only on-screen are much less likely to be above average readers than those who read in print.
07May2013Michael Gove supports Premier League literacy programme that is boosting children's love of reading
Our Premier League Reading Stars programme is found to be having a dramatic impact on children's reading.


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Join a Donor Club
Enjoy exclusive members-only benefits of these donor clubs:
- Norman Vincent Peale Fellowship
- Positive Thinkers Club
- Guideposts & Peale Partners
- The Bible Club
- Prayer Power Club
- PLUS, The Power of Faith
Honor a Loved One
Commemorate a life, honor someone, or celebrate a special occasion with a tribute gift.
Consider a Planned Gift
Learn of the various ways to make a planned gift. Some provide income to the donor throughout their lifetime. Others come from estate assets.
The Blessing of Tithing
To anyone who hasn't experienced this overflowing abundance of joy tithing can bring, I would say: What are you waiting for? Try it! Your life can be so much more than you ever dreamed, not just financially but in every way. God Himself has promised us this.
Watch this video with Harry Donovan's message tithing.
Or, click here to download this booklet.


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The Master's Seminary is glad to help churches find a graduate to lead or serve your church. Please feel free to browse the available online Resumes and Philosophy of Ministry listing from our Current Students and Recent Graduates.
Desired position: Senior Pastor Associate Pastor - Youth Associate Pastor - Worship Associate Pastor - Other


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quote:anybody got an opinion?
quote:my sister has been blowing me
quote:So we are all just going to let this one go?
quote:I have never read anything negative about the overall series. Most people love it. It takes some odd twists and some people (myself included) did not like the finale, but it is well worth the ride.
quote: gave it a shot, but every time they say "frack" I can't stand it, it annoyed me bc they force it into every episode


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quote:Everyone knew - still hilarious that some douches on here still try to defend those lies. Some a-hole keeps posting the same lame links (and even points out how many times he's posted it!) trying to defend it. Just damn
quote:That would be decatur....a once respected poster that has reduced himself/herself to a complete and total hack.
quote:That Benghazi attack was linked to terrorists. According to CNN
quote:People shouldn't jump to conclusions. We need to let all the facts come in. Let's quit playing politics, 4 Americans are dead. After all Obama said the next day it was a terrorist attack. Way before he said we needed to wait and see and way before Ms. Rice made a complete fool of herself. Obama and Crowley set the record straight the night of the debate, remember?
quote:If Obama would have used the word terrorist activity more would it have made the GOP happier? To what end. Makes no sense.
quote:Obama via Clinton would have given the embassy more security instead of ignoring them, and we have 4 Americans alive, instead of dead, then I would be happy. But keep covering for your boy, you are just 1/8th of an inch from fully gagging


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Sending the same ornament to different places? If you order more than one of an item and want them shipped to different addresses, please order them individually. We will ask you for the individual shipping addresses later in the ordering process.
Mug of Beer Christmas Ornaments
Personalized Christmas Ornament
Ancient beer had much more nutritional value than bread at that time, and was often safer to drink than the water.
Material: Glass - Old World Christmas
Ornaments shown on our site are personalized, as examples only, so you can see where we put the words/names you give us. Some ornaments allow you to select hair or uniform color. If there is no color choice, it is not available on that particular ornament. We will do everything possible to catch any mistakes in spelling, etc., but are not responsible if we do as you request, and it is then not correct. The ornament you see above is the way it will look when you get it, except for the personalizing instructions you give us and any optional attributes you select.


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Performance golf ball fitting focuses on finding the best ball for your game and lowering your score.
Titleist offers the most precise club fitting experience in the game.
Need to customize headwear, gloves, bags, or golf balls?
Track your stats. Get video tips. Set goals for your golf game.
At my course. They often pair up the 2-somes if the times are that close together.
Have met many great folks, over the years, being paired up with them on golf courses. Used to travel quite a bit and play new courses. I would actually ask to wait and be paired with someone rather than play as a single.
We have a regular group at our home course. Any where from 3 to 8 can show up. If we have more than 5, we break into a couple of groups. It is not unusual for us to invite new players to join us. We do appreciate the game as more social than serious.
One issue is a course putting out singles or twos by themselves on weekends. We have the first tee time on weekends and play quickly.... 3 hours or under for 18 holes. Now and then a single in a cart will begin to catch us. In most cases, he/she can wait. There is no justification in slowing us down to allow a single through when we are already playing fast.
A poster has mentioned a course should not allow a single or a two to make a tee time if they will be expected to pair up. There can be "local" rules at any course and the requirement to pair up may be just that. It would be nice if every course would ask, "I have you down for the 9:30 tee time. How many will be in your group?" When you reply there is just one or two, the course should state you may well be paired up. If you "fib" and tell the course you have a four and show up as a single, you should either be billed for an extra tee time or barred from booking future times. It's a revenue issue and a pace of play issue... both. If a single is allowed to book a prime time and not accept being paired up, the course loses revenue. If a single is allowed to book a prime time and play alone, he will be pushing those in front of him/her.
An interesting issue, with no good resolution unless the courses take charge and enforce pairing up during prime time.
I do agree that it's a bad thing to book a 4 if you don't plan to play as a 4. I also agree that when you play during prime time you have no business complaining about slow play (which I have never done by the way). It sounds like some people game the system a little bit, which I can totally imagine is frustrating for course staff. I just want to advocate for legitimate single/pair golfers :) I'm not there to deliberately make things difficult, I just want to play golf the way that I enjoy playing golf. I don't complain about anything, I keep to myself, I like to give other people space to play the way they want to play, but I'd like that courtesy extended to me too.
When I call the course, and I book a 1 or 2, to me that is an agreed upon service that I pay an agreed upon price for, it's essentially a contract. They're not doing me a favor by "letting me play", they are delivering the service that I paid for. If it's a problem to play a 1 or 2 then don't sell that service, or be clear up front about a pairing policy. I would have no problem if I call the course to book a 2 on a Saturday morning, and the pro says "I'm going to try to get 2 more guys to pair up with you", as long as it's all done in a civilized and friendly manner (which trust me is definitely not always the case).
At the same time, if that's the course policy, they should then be consistent, and ALWAYS maximize the revenue. I've asked, I've called courses and asked about a 3 that they could pair me up with, and the answer is always no can't do that to the 3. I don't understand how a single should always accept being paired up, but it's not fair to put a single with an already booked 3. There's definitely a double standard there.
Though golf is not a team game in normal situations, it was set up to be social the number of players of four was randomely chosen since that would allow players to play at a moderate pace. Not slow, not rushing. Singles and 2-somes are not conducive to this pace. The privelige of playing through is given only if the the course ahead is open. I am a social player and I play better with others (if I make a good shot I want someone to see it). You need witnesses for a hole-n-one.
People are so self-concious about their golf game and get really nervous and rush their shots when they don't have to. So they would rather play by themselves. People also do not like to be shown up. That and being in groups can take a lot longer.
andrew f People are so self-concious about their golf game and get really nervous and rush their shots when they don't have to. So they would rather play by themselves. People also do not like to be shown up. That and being in groups can take a lot longer.
I still get nervous on the first tee, but I remember something my grandpa said, "even the pros embarrass themselves from time to time, and this is their job". Golf is about fun, and since we're paying to play we minus well enjoy the company and be thankful we get to play this great game
I know that everyone cant play during the week. Maybe they could consider playing later in the day instead of morning primetime week-end.
I will go a long way with you about 1's or 2's complaining about pace of play. My first reaction would also be "well what do you expect on a Saturday morning", and I totally agree that 1's or 2's have no leg to stand on as long as groups are keeping up with the ones in front of them. However, if a 4 has 10 minute search parties on every hole, or they all take turns plumbobbing 50 foot army-golf putts, things do get backed up, and you see huge gaps in front of slow groups like that. In that case I think it is not unreasonable to expect the ranger to take action. Whether the affected group is a 1, 2, 3 or 4 again has nothing to do with the actual problem.
Whether you play as a 1, 2, 3 or 4, you always play ready golf as much as possible, and if the group ahead is slower, you adjust your pace accordingly. Sometimes we play an extra ball, or practice bunker shots, or putt out from different places on the green while they are teeing off. To me it's about being outside, catching up with a friend, doing something that takes my mind off everything else. As long as everything moves along at whatever the pace may be that day, there is nothing to complain about. Even if it turns out to be a 5 or 6 hour round, I am having a great time. This is how I approach golf whether I play as a 1, 2, 3 or 4.
The only time that this turns into a problem is when the group ahead of me is relatively slow, and the group behind me catches up (which can happen whether you play as a 1, 2, 3 or 4). At first you can pick up the pace a little, not play the extra ball, not make an extra putt, but at some point you are taking your shots as quickly as you can, but you can't go any faster because of the group ahead of you. Now all of a sudden you have the guys behind playing shots into you, so you hustle to get out of their way, and the guys in front of you are agitated because you are "pushing them". More often than not this will have the exact opposite effect, and they will deliberately take MORE time just to get even.
From the perspective of the guys ahead of me it does look like you are pushing them, so they will call the ranger. Ranger then comes to us and tells us to back off. While the ranger is talking to us, the guys behind stop hitting into us, so the ranger doesn't see that this is going on. Ranger then goes to the group behind, and they talk about the "loser single/pair" screwing up the whole golf experience for everyone. All the while the only thing that actually caused the problem is the difference between the pace of the group ahead and the group behind. The size of the group that I am playing in simply has NOTHING to do with the actual problem. If I had been in a 4, you would have had 2 4's with the same complaints, only you would not have the single to point a finger at.
To me this "problem" is simply not caused by whether 1's or 2's are playing. I'm sure that there's lots of 1's and 2's out there that are not so nice to have on the course, but there are just as many obnoxious 4's. Believe me there is a lot of unwarranted negativity and outright aggression against 1's and 2's. We could have discussions about what causes pace of play issues all day long, but I do not agree that 1's or 2's are the cause at all.
Mitch747I know that everyone cant play during the week. Maybe they could consider playing later in the day instead of morning primetime week-end.
During hot summer days, when it's barely bearable high 80s in the morning and stifling hot 100s in the afternoon, I am not going to play the afternoon just because the starter doesn't approve that I like playing by myself or that I can only find one other person to play golf with that day.


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Live Now: CTV News Channel
© 2015 All rights reserved.
People of all faiths throw coloured powder and water at each other during Holi, India's joyful and colorful celebration of the arrival of spring.
It was a frighting moment for Delta Airlines Flight 1086 passengers when the flight from Atlanta landed at LaGuardia and skidded into a fence.
Ever wondered how a Saudi prince lives when he's in the U.S.? A luxurious New York apartment spanning 10,500 square feet and reportedly the property of Saudi royalty is on the market for $48.5 million.
Some of the auto industry's most exotic cars are being unveiled in Geneva at the 85th annual Motor Show. CTVNews.ca's Matthew Talbot takes a first look at some of the fastest and most luxurious (and expensive) cars set to be revealed this year.
More than 70 years after it was sunk by Allied bombs and torpedoes, a research team has captured detailed images of what they believe to be one of the largest battleships in history.
Trading downtown postal codes for back country roads, CTVNews.ca's Shannon Maguire takes a look at rural properties currently on the market across Canada.
A look at some of the phones unveiled at the Mobile World Congress, the world's largest mobile phone trade show held in Barcelona, Spain.
The awards for the Academy of Canadian Cinema and Television were presented Sunday night at a gala at the Four Seasons Centre for the Performing Arts in Toronto.
Thousands marched in Moscow to mourn politician Boris Nemtsov, carrying flowers, portraits and white signs that said 'I am not afraid.'
Thousands of people participated in the Lathmar Holi festival in Nandgaon, India.
CTV's Jenn Chan photographs landmarks in the City of Glass under the cover of darkness. Her stunning portraits of the mountains, water and downtown core capture the unique beauty of the West Coast city.
At the Salthaven Wildlife Rehabilitation & Education Centre west of London they're working hard to help animals in need.
Image released by the Toronto Police Service shows inside and outside the mysterious underground bunker located near one of the Pan Am Games venues.
Once a showpiece for Ukraine, the Donetsk International Airport is now a bitter battleground and a grim work site for Ukrainian prisoners of war.
Sinkholes have been responsible for swallowing roads, cars, homes and even entire intersections. CTVNews.ca looks at the destruction they've caused around the world.
Using slings, earth-movers and a fire department ladder truck, 19 manatees were rescued from a storm drain in Satellite Beach, Fla. on Monday.
A commuter train crashed into a truck and derailed, leaving dozens of people injured in California. Debris and wreckage surround the scene as crews investigate.
A visit from a Hollywood superhero can make any kid's day. Check out these masked crusaders who step up to make a difference in a young fan's life.
While most of Canada is still covered in ice and snow the Toronto Blue Jays are in Dunedin, Fla. to prepare for the upcoming MLB season.
Activists from Russia's Anti-Maidan movement gather together waving various patriotic flags at a rally outside the Kremlin in Russia.
Rapidly increasing ice cover is making shipping on the Great Lakes difficult, and will likely bring it to a full stop soon.
Crowds at the Yelahanka air base in Bangalore were treated to stunning displays of aerial acrobatics in this five-day event put on by aviation companies from all over the world.
Extreme cold temperatures have frozen a portion of the falls on the Canadian-New York border.
U.S. Vice President Joe Biden may have redefined the term hands-on politics. After being seen cozying up to the incoming Defense Secretary's wife Stephanie Carter, many took to Twitter to ask questions about Biden's touchy-feely approach. CTVNews.ca looks at some close encounters with the Veep.
Chinese communities around the world celebrate the Lunar New Year Feb. 19. Celebrations kick off the Year of the Sheep with colour, revelry and prayer.
While the premiere of 'Cinderella' brought a chillingly gorgeous dress to the red carpet, some stars warmed things up with a bit of colour. CTVNews.ca has this weeks red carpet looks.
He played one of the most beloved characters in the history of television as Spock on the original 'Star Trek' TV series. CTVNews.ca looks back on his amazing life as an actor, artist, and sci-fi icon.
Stars arrive on the red carpet for the 2015 Oscars in Los Angeles.
From the big award winners to the entertaining performances, take a look at the highlights from the 2015 Oscars.
Stars walk the red carpet of the 30th annual Film Independent Spirit Awards in Santa Monica, California.
Current cast members and alumni from days past walk the red carpet at Rockefeller Plaza in New York ahead of Saturday Night Live's 40th Anniversary Special.
The kings and queens of music didn't miss a beat on the red carpet for the 57th annual Grammy Awards. It wasn't all about the bass either; stars went above and beyond to outshine one another.. Kanye West brought the swagger and a dash of sizzle by showing some PDA. Of course, what's a red carpet without a dress made out of orange plastic fencing? CTVNews.ca reveals some head-turning looks from the Grammys.
Which singer was pitch perfect and who fell flat? Stars step onto the red carpet at the 57th annual Grammy Awards.
The countdown to Hollywood's biggest night is on. A-listers gave out their best smiles and showed off the latest fashions as they graced tinsel town ahead of the 87th annual Academy Awards. CTVNews.ca takes a look at this week's red carpet fashion before Oscar's big night.
Some of Hollywood's biggest winners let their hair down with comfy, casual looks with a bohemian feel at the Sundance Film Festival. From the chic to the shabby, CTVNews.ca has this weeks red carpet looks.
Updated: Stars of the screen hit the red carpet at the Shrine Auditorium in L.A. for the 21st-annual Screen Actors Guild Awards.
Miss Canada's eccentric outfit has stood out amongst dazzling outfits from around the world during the national costume show at the 63rd annual Miss Universe pageant.
Stars step out in wispy winter colours, from stark whites and sparkling greys, to warm and vibrant blues. The frosty fashion cools down the red carpet as award season in Hollywood heats up at the People's Choice Awards. CTVNews.ca takes a look at this week's red carpet fashion in tinsel town.
Hollywood's award season officially started as tinsel town's elite stepped out on the red carpet at the Golden Globe awards. Big screen stars wore an array of colours proving there is gold at the end of a rainbow. CTVNews.ca takes a look at some award-worthy fashion.
The celebration continued on after the awards show with celebs stepping out at parties around Beverly Hills.
On the Red Carpet at The Golden Globes, some stars chose muted colours for their fashion statements and looked like they had walked out of a watercolour painting.
The award season kicks off with a bang as Hollywood's A-list gathers in Beverly Hills for the 72nd annual Gold Globe Awards.
Leather made a prominent appearance on a number of red carpet events as the stars of 'Girls' stepped out for the premiere of the show's fourth season. CTVNews.ca takes a look at all of the latest Hollywood fashion statements.


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Relax in this peaceful, open-water, bird and wildlife sanctuary with
private views of the State Park. From your living room sofa, only 9
feet from water's edge, you can watch fish swim and birds fly, or if
you prefer, you may simply sit and enjoy the ebb and flow of the tide.
In these environmentally friendly surroundings, you can observe, in a
way you never have, marine life and native birds in unobstructed
waters. Just off the property you can find nature trails leading to
quiet beaches. The patio offers views of a back yard aquarium and the
spectacular beauty of the Florida Keys. Launch our canoe or kayaks
into this ecological paradise and paddle your way along
easy-to-follow, marked mangrove trails. *
You will be very comfortable is these extremely clean and well-appointed surroundings. iPad 2, wireless internet access, two plasma flat-screen TV's with all premium movie channels and NFL Sunday Ticket, new Sealy Posturepedic beds, new furnishings and linens, Saltillo tile floors inside and out, new kitchen with stainless steel appliances and granite counter tops. In the picnic area there is a tiki hut,
barbecue, patio furniture, picnic table and hammock. All wildlife and scenic photos were taken off back patio.
*Includes canoe, kayaks and binoculars
We are 30 minutes from Key Largo, only 1-1/2 hours from the Miami
International Airport, and an hour's drive to Key West, which makes
this a centrally located vacation destination.
Activities include: fish and bird watching, reading and relaxing, wild
life photography, canoeing, kayaking, beach combing, snorkeling, scuba
diving, fly fishing, deep sea fishing, sailing, power boating, hiking
and exploring nature trails in the State Park.
You can take day trips to the Everglades National Park, visit The
Turtle Hospital and Museum, Dolphin Research Center, John Pennekamp
Coral Reef State Park, The Theater of The Sea, Bird and Wildlife
Nature Center, World Wide Sportsman, art galleries, enjoy fantastic
seafood and watch the sunsets.


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Roll Over Image to Zoom
Boys' Fan Decks
No longer available
- Overview
Favorite heroes, villains, vehicles and more are explained in detail in these deluxe-sized Fandex, comprised of 75 die-cut full-color cards. Perfect for young fans as well as parents who are trying to learn the terminology.
- 11" wide x 4" deep x 1" high
- 75 die-cut cards.
- Artwork is from the original comics.
- Star Wars includes Darth Vader, Obi-Wan Kenobi, Luke Skywalker, Han Solo and Chewbacca, Emperor Palpatine, Padmé Amidala, Darth Sidious, Boba Fett, Qui-Gon Jinn and, of course, Yoda, C-3PO, R2-D2 and Jabba the Hutt.
- Super Heroes includes Batman, Robin, Superman, Wonder Woman, Aquaman, the Green Lantern, Captain Marvel, Justice League of America, the Flash, the Joker, Catwoman, Mr. Freeze, Lex Luthor, Cheetah, Brainiac, Poison Ivy and Deathstroke.
- Dimensions & Care
- Dust with a soft, dry cloth.
- Shipping Info
Please allow 5-7 business days for delivery. Delivery estimate includes monogrammed and gift-wrapped items.


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One part fluke, one part soft stickbait, the Zoom Fluke Stick gives anglers two highly effective baits rolled into one appetizing package. Whether you fish it weightless, on a dropshot, or Texas-rigged, the Zoom Fluke Stick has a seductive gliding motion on the drop that is perfect for pitching around docks and tree overhangs. On the retrieve, the Zoom Fluke Stick can be worked with a series of twitches to give it an erratic darting action that's similar to that of its cousin, the Zoom Salty Super Fluke. The ribbed profile of the Zoom Fluke Stick is also heavily salted, so it casts incredibly well, even without a weight. A favorite among professional anglers, like Gerald Swindle, the Zoom Fluke Stick will have your covered in a wide range of scenarios.
Zoom | Length | Quantity |
Fluke Stick Jr | 5" | 10 |
Fluke Stick | 6.25" | 10 |
No customer feedback has been added yet! Be the first to write something about this product.
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Before commenting, read the how to comment guide.
why is her horn see through?
zader said:
why is her horn see through?
Hasbro has confirmed via a series of short teaser videos that season 5 of My Little Pony: Friendship is Magic is due to begin sometime in "Spring 2015." This means that any time between March and June.
So far the rumours are scarce, but from what we've learned episodes will include:
- At least one concerning the aftermath of Season 4's finale
- "Princess Luna has a nightmare"
- An episode centred around the Pie Family
- A special 100th Episode that will be a "22 Short Films about Sprinfield"-style focus on background and fan-favourite characters.
In the meantime, check out these official teasers for season 5:
why is her horn see through?
zader said:
why is her horn see through?


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That's all for today - thanks everyone for reading. We'll be back tomorrow morning at 9am.
Here's the evening wrap of today's session.
Mining powerhouse Rio Tinto has reported a net loss of $US2.99 billion - the first in its history - dragged down by well-flagged impairments against its aluminium and Mozambique coal assets.
After one-offs, Rio's underlying earnings exceeded expectations, reporting underlying earnings of $US9.3 billion in 2012, above the consensus of analyst estimates of $US9.1 billion.
Here's what you need2know this Thursday evening:
- The ASX200 jumped to its highest close since September 2008, finishing at 5036.9
- The dollar inched up to $US1.0352
- The Nikkei is up 0.44%, Kospi is up 0.2%, Chinese markets closed
- Spot gold relatively flat at $US1645.80, while WTI oil was lower at $US97.12
- Wall Street futures minimally flat, while FTSE100 is also pointing to a flat open
- Rio Tinto posts first-ever net loss
- Coles fuels Wesfarmers growth
- Predatory behaviour? Investigation at Coles
- DJs turns off music as sales slip
- Downer gets thumbs up from investors
- Widening margins good news for Westpac
- US retail sales
- France GDP
- German GDP
- ANZ quarterly update
- DUET earnings report
- Sims Group earnings report
Rio Tinto is set to post second-half earnings in 30 minutes. The miner is expected to report a 49 per cent plunge in second-half profit to $US3.93 billion.
Excluding big writedowns, though that would still leave full-year profit at $US9.08 billion. Iron ore is expected to make up close to 90 per cent of earnings, with losses expected in aluminium and diamonds.
Rio shares rallied 2.3 per cent in anticipation of a good result.
And here are the best and worst performers for the day on the ASX200:
Among the sectors, materials surged 1.9 per cent, energy gained 1.2 per cent and consumer staples added 0.5 per cent. Health finished down 1 per cent and gold miners lost 1.1 per cent.
The market has closed higher, fuelled by strong results from Wesfarmers and a healthy boost from the mining sector. The S&P/ASX200 had its highest close since September 2008, jumping 33 points, or 0.7 per cent, to 5036.9, while the broader All Ords rose 32.7 points, or 0.7 per cent, to 5057.2.
BusinessDay's Paddy Manning has gathered together some extra information on CITIC's purchase of a 15 per cent stake in Alumina.
Deutsche Bank's head of mining research Paul Young said the deal was ''mildly value dilutive,'' reducing Deutsche's valuation of the company by about 3c per share to $1.39, but would add to earnings, cutting Alumina's interest expense by $US30 million a year.
While Deutsche welcomed the deal and reiterated its ''buy'' recommendation on Alumina, Mr Young said alumina fundamentals were improving ''rapidly'' and noted: ''existing shareholders were not given the opportunity to participate in the deal''.
''Furthermore, spot alumina prices are now only just starting to rise and debt covenants had been cleared out to 2015, so the placement may be slightly premature''.
Mr Young said both bauxite and alumina prices were likely to rise further as Chinese demand improved.
PhillipsCapital analyst Lawrence Grech said CITIC's deal with Alumina ''just goes to show you how much money they really needed. Alumina was in need of capital and they've got it. That's a positive. Does it change the underlying (profit) margins of its business? The answer is, not in the short term.''
Queensland coal explorer Cuesta Coal says it has received approval to explore tenements in which it has a joint stake with a company controlled by Gina Rinehart's Hancock Prospecting.
QCI (Galilee), a wholly owned subsidiary of Hancock Prospecting, will be able to earn up to a 51 per cent interest in the Snake Creek Joint Venture for its two-stage, $3 million investment.
Cuesta Coal has a portfolio of thermal and coking coal exploration prospects within the Bowen, Surat and Galilee basins in Queensland.
The company's core projects are on 11,000 square kilometres of exploration ground.
Cuesta shares are flat at 13 cents.
This one from BusinessDay's Michael Pascoe went up quite late yesterday, but it's definitely still worth a read.
Consumer sentiment jumps, there's a surge in advertising for get-rich-quick spruikers, the newsletter peddlers are turning from fear to greed – with the surge in bull, it really might be a bull market.
The February Westpac-Melbourne Institute consumer sentiment index published today is up a sharp 7.7 points to a healthy 108.3, its highest level in 26 months.
Maybe this rise is a little too sharp to mean as the demographic breakdown of the survey shows the biggest impetus came from those aged 18 to 24 (up 32 per cent), sales/clerical staff (also up 32 per cent) and those with a household income of between $20,000 and $40,000 (up 9.6 per cent). So poor, young shop assistants might be feeling chipper with the January sales behind them.
The Institute's trend measurement smooths out the spike to show a more modest 1.4 per cent rise for a still-reasonable score of 104.5, up 6.5 per cent on this time last year. Fewer scary headlines about North Atlantic economic crises, lower interest rates, a rising stock market and some firmer housing prices seem to be doing their trick.
And there's another harder-to-manage indicator of an outbreak of optimism: the get-rich-quick spruikers seem to be on the rise again and the tone of investment newsletter peddlers is changing from selling fear ("The market is about the crash and the economy is cactus") to greed (10 top stocks to make you money").
BusinessDay's Mal Maiden has put together a nice analysis of the ACCC's investigation into the supermarket duopoly.
Australian Competition and Consumer Commission chairman Rod Sims' disclosure that the competition regulator has escalated an investigation into the two big supermarket chains over possible anti-competitive behaviour towards suppliers is a watershed moment.
The competition regulator can demand that information be supplied to it in the formal investigation it is now running, so allegations that the supermarket misuse their power in their dealings with suppliers will finally be thoroughly examined. It it may in time come to be seen as the point at which the enormous power of the two retailing giants finally began to be reined in.
When Sims says that the Australian Competition and Consumer Commission is now investigating whether the "major supermarkets" breached competition law in their dealings with suppliers he is talking about Woolworths and Wesfarmers-owned Coles, the two chains that dominate grocery retailing in Australia.
The Bank of Japan kept monetary policy steady and raised its assessment of the economy on Thursday, as the yen's recent declines and budding signs of recovery in global demand offer some relief to the export-reliant economy.
"Japan's economy appears to be bottoming out," the central bank said in a statement announcing its policy decision.
BOJ board member Ryuzo Miyao proposed continuing the BOJ's policy of keeping interest rates virtually at zero until the central bank's target of 2 per cent inflation is in sight. His proposal was voted down 8-1.
Wesfarmers has confirmed that an internal investigation is underway that will examine whether the nation's second-biggest supermarket chain is engaging in improper predatory and anti-competitive behaviour.
Managing director Richard Goyder confirmed the internal investigtation during a press conference for Wesfarmers half year results, after the head of the competition watchdog launched a blistering attack on the supermarket industry last night.
''We are doing our own investigations and obviously the ACCC is doing its and we will just let it all unfold,'' Mr Goyder said
After being up as much as 17 per cent earlier today, shares in Alumina are currently up 9.6 per cent to $1.32. As reported earlier, this has been caused by China's Citic Resources Holdings purchasing a 15 per cent stake in the aluminium producer.
Well it looks like the carbon and mining taxes haven't treated shares badly, says Stephen Korkoulas.
Australians getting wealthier by the day it seems. ASX up 0.5%; now up over 22.5% since carbon/mining tax or $271 billion, plus dividends
— Stephen Koukoulas (@TheKouk) February 14, 2013
Valentine's Day hasn't rubbed off (sorry) on the share price of Ansell, the condom to gloves maker, with the shares down another 27 cents, or 1.7 per cent, to $15.76, but off its low of $15.64, following its sharp sell-off yesterday on disappointing December half earnings.
Earnings a share for the half fell to 42 cents from 49.3 cents hit by squeezed margins which has raised questions about the company's growth profile. The poor numbers drove yesterday's 97-cent sell-off.
With plenty of cash on the balance sheet, it has flagged a buy-back of up to three million shares over the next 12 months.
But since shares usually continue falling for several weeks at least in response to poor numbers, the company just may bide its time before stepping in to soak up excess scrip on the market.
The shares had won favour earlier on the back of acquisitions, which boosted hopes of strong growth, which have now been dashed.
Westpac is tipped to benefit most from the widening in profit margins from mortgage lending that underpinned the Commonwealth Bank's latest $3.78 billion earnings result.
As investors await the next big bank profit when ANZ Bank updates its quarterly earnings report on Friday, market analysts say the CommBank's bumper result on Wednesday suggests other lenders are also reaping the benefits of their home loan pricing decisions.
Westpac has a particularly heavy weighting towards domestic retail banking. Its share of the home loan market, at 23.5 per cent, is second only to CBA's.
Westpac shares are up 0.4 per cent to $28.58.
With the story of the day, thus far, being Wesfarmers and it's strong earnings report, we thought we'd show you this nice graphic of its performance over the last 12 months.
Optus' result includes a $30 million one-off charge from restructuring during the quarter, the company's parent SingTel said.
The restructure included 305 job cuts in the three months to December, trimming Optus' workforce to 8,764.
The company has cut its workforce by 962, or 9.9 per cent, in the last 12 months, company accounts show.
Excluding the impact of restructure costs, Optus made an underlying net profit of $181 million in the three months to December, up from $177 million in the prior corresponding period.
Revenue fell 5.7 per cent from the previous corresponding period to $2.28 billion, and that followed a 4.2 per cent revenue decline in the second quarter.
The federal Treasury expects the economy to grow around trend during the next two years, but warns risks remain from a fragile global economy.
A Senate estimates hearing in Canberra today was told that as resource investment peaks over the next year, strong growth in commodity exports, continued growth in household consumption and some pick-up in dwelling construction and non-mining investment were expected.
However, nominal growth - the dollar value of gross domestic product (GDP) - will be below trend because of a decline in the terms of trade and as domestic price pressures remain subdued.
SingTel, Optus' parent company, has expressed interest to obtain a telecom license in Myanmar, but the outcome is still unclear, chief executive Chua Sock Koong said today.
She told a news conference that Myanmar has indicated that there are two more licenses to be given.
The resources division at Wesfarmers was the one black spot in the earnings report, hurt by the strong dollar and weak coal prices, notwithstanding a steep decline in costs, down 20 per cent.
Revenue of the division slid by a quarter to $826 million, with earnings before interest and tax slumping to just $93 million in the December half from $250 million a year earlier.
In turn, this sliced the return on capital to a still respectable 19.4 per cent from 25.4 per cent a year earlier.
It flagged continued soft export prices along with an ongoing focus to squeeze costs, so a quick rebound doesn't appear to be in the script.
Needless to say, investors aren't too worried about the resources division, as the shares hit their highest since December 2007, rallying as much as 2.7 per cent.
Wesfarmers' insurance division recorded earnings of $104 million, $87 million above the prior corresponding period, while its chemicals, energy and fertilisers division posted earnings of $104 million, up 5.1 per cent. Industrial safety operations netted $88 million in earnings, down 9.3 per cent, mainly due to lower sales and increased margin pressure, particularly from customers in the resources industry.
The half-year result was inline with analyst expectations of a half-year profit of around $1.2 billion although the interim dividend was slightly ahead of some estimates with some analysts tipping a dividend of 75 cents per share.
Wesfarmer shares are now up 2 per cent to $39.21.
Ahead of Rio Tinto reporting after the market closes today, the major miners are giving the ASX a nice boost.
Rio is up 2.3 per cent to $72.07, BHP has added 1.6 per cent to $38.53 and Fortescue has risen 4.4 per cent to $5.40.
More on Wesfarmers, the company said its hardware business Bunnings had interim pre-tax earnings of $518 million, up 6.8 per cent for the half. Earnings at Kmart rose 24.9 per cent to $246 million but its stablemate Target continued to suffer in the current trading environment, with its earnings falling 20.4 per cent to $148 million.
Earnings at Wesfarmers resources division, which sells coal, fell 62.8 per cent to $93 million as that business was hurt by lower coal prices and a strong Australian dollar.
Wesfarmers has posted its first-half results and they look pretty good. Shares are rising on the report, after being down earlier. Here are the highlights:
- Operating revenue of $30.6 billion, up 3.2%
- Earnings before interest & tax of $2,043 million, up 5.5%
- Finance costs of $229 million, down 13.3%
- Net profit after tax (NPAT) of $1,285 million, up 9.3%
- Earnings per share of $1.11, up 9.2%
- Net capital expenditure of $1,120 million, down 11.3%
- Fully franked interim dividend of $0.77 declared, up 10.0%
Japanese stocks are down after data showed the country's economy unexpectedly contracted ahead of a Bank of Japan policy decision today.
The Topix, Japan's broadest equity gauge, fell 0.5 per cent, erasing gains of as much as 0.2 per cent.
''Investors may take a wait-and-see approach ahead of the G-20 and the Bank of Japan's meeting,'' says Mitsushige Akino, Tokyo-based chief fund officer at Ichiyoshi Asset Management Co.
The boards of AMR Corp and US Airways Group separately met overnight in the US to approve a merger that would value the combined company at around $11 billion, people familiar with the matter said.
The deal, which will be announced early on Thursday, comes after the parent of American Airlines filed for bankruptcy in November 2011, and would mark the last combination of legacy US carriers, following the Delta-Northwest and United-Continental mergers.
The board approval came after AMR's unsecured creditors committee, which includes all three of AMR's major unions, met earlier in the day to approve a proposed merger agreement, the people said.
The all-stock merger would give AMR creditors 72 per cent of ownership in the merged entity and US Airways shareholders the rest, the people said.
Here's a nice break from all the earnings talk from our small business team:
Even the best workplaces contain one or two colleagues whose behaviour leaves the rest of us wondering. If you want to be able to distinguish between the The Motormouth, the One-Upper, the Loud Talker and the rest, and know how to deal with them have a look here: Field Guide to Office Jerks.
It is unusual for a small cap - and with a market cap of $220 million you could argue the toss whether it is a microcap - to win analyst coverage from an institutional broker, but this week Credit Suisse slapped an outperform rating on Mayne Pharma.
Usually the attraction for a big broker in following a tiddler stock is advisory work on future deals, and Mayne has concluded two deals in a matter of months - buying Metrics in the US for up to $US120 million and following that up with the purchase of a pain relief drug from SmithKline for $14 million.
Credit Suisse has put a target price of 45c on Mayne Pharma shares, which may be of some comfort for shareholders who missed out on its popular 29.5c a share issue which closed oversubscribed last week, resulting in investors receiving only around half of the shares they sought.
And the broker reckons its target price could be conservative, with investors yet to factor in the growth potential of the Metrics business.
Equally, with a lack of clarity about the whether Mayne Pharma's management can pull off its growth ambitions, and how long the senior management of the US acquisition will hang around, coupled with the uncertainty over how long it will take for promising products to emerge from the research pipeline, investor caution may be justified.
Mayne shares were steady at 39c after flirting with 40c earlier in the week.
Just as Wesfarmers prepares to report, the ACCC has had a swing at the big supermarkets.
The head of the competition watchdog says Coles and Woolworths may have misused their market power by demanding additional payments from suppliers to their supermarkets, and imposing unfair penalties, and discriminating against suppliers in favour of their own in-house brands.
He also said the commission was close to finalising an investigation into the petrol discounts offered by the large supermarkets. Chairman Rod Sims made the comments to the Senate economics estimates committee in Canberra on Wednesday night.
He confirmed 50 business that supply the supermarket giants had spoken to the ACCC in the past year and it was still investigating their claims.
We'll have a full story up soon.
Rod Sims . Chairman ACCC Photo: Jim Rice
Commercial property editor Carolyn Cummins writes that Mirvac's new chief executive Susan Lloyd-Hurwitz has canvassed the idea of a series of new ''club'' funds.
They will comprised of key assets in which a range of super funds and local and overseas-based investors all have a stake. The plan, still being completed, was aired at the group's half year result where a net profit of $194.2 million was reported, down 4 per cent and after an impairment of $273 million.
And just recapping some of the other property news today, for the full year to December 31, 2012, GPT has more than doubled its net profit and believes further earnings growth is on the way, albeit at a slower pace.
GPT's net profit for the year to December 31 rose to $594.5 million, from $246.2 in 2011, from a a rise in the value of its property portfolio. Dexus unvieled a net profit for the half of $267 million or 5.65¢ per security, an increase of $121.3 million from the prior corresponding period (2011: $145.7 million). The gains came from asset sales and property revaluations.
Shares in SAI Global have slumped after the company reported revenues were up 6.5 per cent for the half year, but profits were down 14.9 per cent. The company's shares have lost 15.7 per cent to be the worst performed stock on the ASX200. Here are the other major sliders:
- Perseus: -5.68%
- GUD Holdings: -5.52%
- Alacer Gold: -5.24%
- Regis Resources: -4.56%
- Myer: -3.36%
Japan's economy shrank 0.1 per cent in October-December from the previous quarter, falling for a third straight quarter, government data showed on Thursday, in a sign the nation is struggling to escape from a mild recession.
The decline compared with a 0.1 per cent expansion that was forecast by economists, and followed a revised 1.0 per cent contraction in July-September.
Japan's gross domestic product (GDP) figure translated into an annualised decline of 0.4 per cent, compared with a median forecast from economists of a 0.5 per cent rise and a 0.1 per cent fall in the United States in the same quarter.
"Japan's economy may show some weakness for the time being. But it is likely to resume a moderate recovery thereafter due to the Bank of Japan's monetary easing, the effect of an emergency economic package, as well as an expected moderate recovery in the global economy," Economics Minister Akira Amari said in a statement.
Financial services reporter Eric Johnston writes that Westpac Bank is seen as receiving the biggest boost from Commonwealth Bank's bumper $3.78 billion first half profit result.
As Nomura's Victor German points out, CBA's retail banking business, which represents around 40 per cent of group earnings, was among the standout performers helped by a rebound in margins on mortgage pricing.
"In the short term, these trends are favourable to retail overweight banks and we expect Westpac to benefit," German says. Remember CBA has the biggest market share in mortgages on 25.1%, followed by Westpac (23.5%), National Australia Bank (15.1%) and ANZ (13.7%).
However, German points out in a "low growth" environment the longer term outlook for the banking sector remains challenging. At 1100 AEST shares in CBA shares are down 31 cents at $66.80, Westpac is off 2 cents at $28.31, ANZ is down 12 cents at $27.69, NAB is down 34 cents at $28.95.
Gail Kelly at the 2012 Westpac AGM at the Westpac building in Sydney. Photo: Nic Walker
CommSec analyst Juliana Roadley said several key companies were still to report today, including Wesfarmers and Rio Tinto, and investors were remaining cautious.
''People are just waiting on those big numbers to drop, as well as the fact that there's a reaction to the CBA share price and also the CBA result yesterday,'' she said.
''Everyone's looking internally, trying to pick where the next growth is going to be and whether our market has run up too hard ahead of itself,'' Ms Roadley said.
''We need to see a bit more confidence building on the back of these gains to be able to hold on to and I think that's what's really weighing on investors' minds at the moment.''
Ahead of the release of its full year results, Rio Tinto was up $1.25, or 1.77 per cent, at $71.71.
Quick recap on some of this morning's companies news:
- Downer EDI: H1 net profit $94m million, up from $84.9, +11%
- Mirvac: H1 profit $55.2 million, down from $176.6, -69%
- GPT: H1 profit $594.5 million, up from $246.2
- Dexus Property Group: H1 net profit $267 million, +83%
- David Jones: 1.4% drop in Q2 sales to $590.1 million
With the Chinese new year in full swing, and the nation enjoying a holiday, here's an interesting stat, and one that might bring a different sort of tear to James Packer's eye:
#Macau welcomed almost 478,000 visitors from Sunday until Tuesday, an increase of 21.8% from last year. #CNY ow.ly/2uRqE8
— Chester Tulloch (@ChesterTulloch) February 13, 2013
And now for the banks:
- CBA is 0.37% lower to $66.86
- ANZ is 0.43% lower to $27.69
- NAB is 1.09% lower to $28.97
- Westpac is 0.25% lower to $28.26
The big miners are having a positive start to the day. In fact they're well ahead of most other sectors, including the banks which have given back some of yesterday's gain:
- BHP is 0.87%% higher to $38.25
- Rio is 1.66% higher to $71.63
- Fortescue is 2.71% higher to $5.31
A quick look now at the sector-by-sector performance of the ASX200:
- Materials: +0.67%
- Energy: +0.48%
- Industrials: +0.37%
- Telecoms: +0.16%
- Finance: +0.21%
Other than Downer EDI and Alumina, which are leading the market, here are the other strong performers on the ASX200 in early trade:
- Paladin: +3.93%
- Skilled Group: +3.82%
- Transfield: +3.78%
- Iluka: +2.92%
- Caltex: +2.62%
Alumina shares have also jumped following the announcement of a deal with Chinese financial company CITIC, which has paid $452 million for a major stake in aluminium producer Alumina.
Its shares have added 12.5 per cent, or 14 cents, to $1.34.
Downer EDI shares are 14 per cent higher after reporting a net profit after tax of $94 million for the six months to December, a 9.6 per cent increase from the previous corresponding period.
David Jones shares,on the other hand, are 1.4 per cent lower after a disappointing second quarter sales result.
For all the lovers out there... Going back to 1983, the All Ords/#XJO has finished #ValentinesDay higher on 59.09% of occasions #ausbiz — David Scutt (@David_Scutt) February 13, 2013
Both the All Ords and the ASX200 are holding above 5000 in opening trade.
The All Ordinaries index is 4 points higher, or 0.1 per cent, to 5028.5, while the benchmark S&P/ASX200 is 3.5 points higher, or 0.1 per cent, to 5007.2.
On the ASX 24, the March share price index futures contract was up eight points at 4,964, with 6,076 contracts traded.
Just a reminder - for all the news from earnings season, check out the BusinessDay earnings page. That's where you'll find a stockpile of this seasons results.
Australia's number two telco, Optus, has posted a 9.2 per cent fall in third quarter net profit amid flat mobile subscriber growth.
Its parent company Singapore Telecommunications (SingTel) on Thursday said Optus' net profit for the three months to December 31 was $A160 million, down from $A177 million in the prior corresponding period.
At December 31, 2012, Optus had 9.565 million mobile subscribers, compared with 9.544 million at September 30, SingTel said in a statement.
On the DJs numbers:
David Jones sales still sliding, don't expect miracles from Myer either. Looking forward to Target's numbers out today #ausbiz
— Peter Esho (@PeterEsho) February 13, 2013
More on David Jones. Sales revenue for the six months to December was down 0.7 per cent to $1 million from the previous corresponding period.
David Jones' chief executive and managing director Paul Zahra said the results for the quarter, which included in the Christmas period, reflected growth in high-margin categories such as womenswear, beauty and accessories.
But he said that the company's sales performance was "adversely impacted" by products in the home categories such as electronics.
"Our focus is on improving the profitability of sales. We are exiting the low-performing categories of DVDs, music and games.
"We also continue to reduce the depth and breadth of our promotional discounting events and continue to work on changing our category mix to increase focus on higher margin categories."
David Jones. Photo: Michael Clayton-Jones
David Jones has reported a 1.4 per cent drop in total sales revenue to $590.1 million for the second quarter of the 2013 financial year.
BusinessDay's Malcolm Maiden has a word of advice on yesterday's milestone:
Think of the 5000-point index mark that was topped yesterday for the first time since April 2010 the same way you think about birthdays. They are basically just another dot on a long line, but you break out the candles anyway, because they are sentimental milestones.
Just like birthdays, however, milestones like the one the sharemarket reached on Wednesday provide next to no guidance about what's going to happen. You might get hit by a bus with the birthday cake in your hand - and since the global financial crisis began the market has been at these levels and then been hit by a bus three times.
Following yesterday's blockbuster CBA result ...
Retail banking is back. Analysts say in wake of bumper $3.8bln CBA 1H profit, banks overweight in retail - such as Westpac - to benefit.
— Eric Johnston (@ejohnno) February 13, 2013
Diversified property group GPT has more than doubled its full year net profit and believes further earnings growth is on the way, albeit at a slower pace.
GPT's net profit for the year to December 31 rose to $594.5 million, from $246.2 in 2011, thanks to a rise in the value of its property portfolio. Revenue rose to $587.4 million from $573.8 million, while earnings per share (EPS) rose eight per cent.GPT, which owns shopping centres, office properties and business parks across Australia, forecast earnings per share growth of at least five per cent this financial year.
Chief executive Michael Cameron said the result was driven by a $221.3 million increase in the value of the group's property assets, which offset a $40.4 million loss on derivatives.
''The outlook for 2013 is cautiously optimistic, with portfolio growth supported by high levels of structured rental increases and high occupancy,'' he said in a statement.
So, where is the market headed today? Up, up and away, or will we see Aussie stocks consolidating recent gains, or handing them back?
Evan Lucas at IG Markets is calling the ASX200 down 6 points at the open to 4998 ''as investors and analysts alike digest whether the ASX is truly valued at 5000 points''.
Watch for broker downgrades in CBA today; while they are unlikely to have a major effect as CBA goes ex-dividend on Monday, post the dividend will be interesting.
Today, however, our attention will turn to London, with Rio reporting its full-year 2012 results after market. Analysts are expecting approximately $9 billion in underlying earnings with 80% of that coming from the iron ore division (the division news-installed CEO Sam Walsh has controlled for years).
Dexus Property Group has reported a net profit of $267 million for the six months to December, an 83 per cent increase from the previous corresponding period.
The company declared an interim dividend of 2.89 cents per share.
"The group made solid progress on achieving its vision of being globally recognised as Australia's leading real estate company combined with its objective of being the leading owner and manager of Australian office, through the sale of offshore properties and numerous off market acquisitions," Dexus chief executive Darren Steinberg said.
"the US portfolio sale considerably improves the quality of the group's earnings profile as the proceeds are reallocated into the Australian market."
Here's a quick look at the reporting calendar for today. We'll publish all the news, analysis and sharemarket reactions as it breaks:
- The following companies report first-half results: ASX Ltd, Goodman Fielder, Whitehaven Coal, Wesfarmers, Forge Group, Perseus Mining, Paladin Energy, Mineral Resources, Adelaide Brighton, Aurizon Holding
- GrainCorp full-year update and guidance call
- Rio Tinto full-year results - late tonight AEDT
- David Jones Q2 sales results
Some analyst rating changes for today:
- Commonwealth Bank cut to underperform at CIMB
- OZ Minerals cut to sell at Deutsche Bank
- Domino's Pizza cut to neutral t JPMorgan
- Carsales.com.au cut to underperform at CIMB
- Skilled Group raised to buy at Moelis & Company
- Commonwealth Property cut to underweight at JPMorgan
Chinese financial company CITIC has paid $452 million for a major stake in aluminium producer Alumina.
CITIC will buy more than 366 million new Alumina shares, which will equate to just over 13 per cent of Alumina's total share base, under a deal announced on Thursday.
The new shares will be bought for $1.235 each, raising $452 million for the Alumina.Alumina said CITIC would be a strategically aligned and financially strong long-term investor.
''CITIC's investment demonstrates their confidence in the alumina industry and their understanding of Alumina Ltd's unique position in the global market,'' Alumina chief executive John Bevan said in a statement.
The funds raised by the new share placement would be used to pay down debt, Alumina said.
Could an already unpopular government be about to become even less so? Federal Treasurer Wayne Swan has refused to rule out income tax increases as a way of offsetting revenue shortfalls in his budget.
Mr Swan, speaking to ABC Radio this morning, was asked four times whether he would increase income taxes in the May 14 budget as claimed by the opposition.
''I'll leave the speculation for everybody else,'' he said.
''There'll be hundreds, hundreds of stories between now and budget day and most of those stories will be wrong.''
When asked whether he could guarantee Australians there would be no increase to income taxes, the treasurer said:
"I don't in the lead-up to any budget ... go into that rule-in-rule out routine."
This blogger would have thought raising taxes was something you did in the first budget after winning an election. Just months out from a poll, raising taxes would be a courageous decision, to borrow a phrase from Yes Minister.
Property group Mirvac's first half profit has dropped 69 per cent because of a massive writedown on its development projects.
Mirvac made a net profit of $55.2 million in the six months to December 31, down from $176.6 million in the previous corresponding period.
The company last week announced it would write down the value of developments in Queensland and Western Australia by $273 million and that has impacted its net profit for the first half of the 2012/13 financial year.
Chief executive Susan Lloyd-Hurwitz said Mirvac's underlying performance was in line with expectations, and the company was on track to deliver its previously forecast full year operating earnings of about 10.7 cents per security.
The company declared an unfranked distribution of 4.2 cents per security, and expects to pay distributions of between 8.5 cents and and 8.7 cents in the full year.
If the US earnings season is anything to go by, we're in for a bumper February.
According to the latest Thomson Reuters data, of the 364 companies in the S&P 500 that have reported results, 70.3 per cent have exceeded analysts' expectations, above a 62 per cent average since 1994 and 65 per cent over the past four quarters.
Downer EDI has reported a net profit after tax of $94 million for the six months to December, a 9.6 per cent increase from the previous corresponding period.
The train manufacturer and engineering firm declared a 70 per cent franked interim dividend of 10 cents per share.
Total revenue for the company rose 20 per cent to $4.7 billion.
"The business has performed very well over the past six months," Downer chief executive Grant Fenn said.
"Each of our three divisions achieved substantial revenue growth, underlying EBIT has grown over 12 per cent and our cash performance was strong once again. We have continued to build momentum in our operational and financial performance."
The company reported an underlying net profit of $105.5 million, a 24 per cent increase from the same period the year before, which took into account a settlement over a Singapore tunnel contract.
Aussie stocks are poised for a flat start, which is broadly in line with the performance of Wall Street overnight, but a bit behind Europe.
Most US stocks rose, sending the Standard & Poor's 500 Index to the highest level since October 2007, as investors weighed economic reports and President Barack Obama's State of the Union address.
Four stocks gained for every three that fell on U.S. exchanges as of 4 p.m. in New York. The S&P 500 rose 0.1 percent to 1,520.29. The Dow Jones Industrial Average lost 36.33 points, or 0.3 percent, to 13,982.37.
''It's the classic battle between fear and greed,'' said Wayne Lin, fund manager at Baltimore-based Legg Mason Inc. in a phone interview.
''The fear is that equities have extended beyond what the fundamentals are. People are taking a wait-and-see attitude to see if the economic data is supporting a fundamentally cyclical recovery.''
For a comprehensive look at this morning's business news, check today's need2know. Here are this morning's key markets numbers:
- SPI futures are 2 points higher at 4958
- The $A is higher at $US1.0343
- In recent trade in New York, the S&P500 was 0.16% lower at 1517.02
- In Europe, the FTSE100 added 0.33% to 6359.11
- China iron ore was unchanged at $US155.10 as China remains on holiday
- Gold fell $US4.50 to $US1,645.10
- WTI crude oil fell 4 US cents to $US97.47 a barrel
- Reuters/Jefferies CRB index was flat at 300.57
Hi everyone. Welcome to the Markets Live blog for Thursday.
Contributors: Thomas Hunter, Jens Meyer, Max Mason
This blog is not intended as investment advice
BusinessDay with agencies


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Drug Notes
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A male genital sore is any sore or lesion that appears on the penis, scrotum, or male urethra.
Sores - male genitals; Ulcers - male genitals
A common cause of male genital sores are infections that are spread through sexual contact, such as:
Other types of male genital soress may be caused by rashes such as psoriasis, molluscum contagiosum, allergic reactions, and non-sexually transmitted infections.
For some of these problems, a sore may also be found other places on the body, such as in the mouth and throat.
Call your health care provider if:
The health care provider will perform a physical exam. The exam will include the genitals, pelvis, skin, lymph nodes, mouth, and throat.
The health care provider will ask questions such as:
Different tests may be done depending on the possible cause. These may include blood tests, cultures, or biopsies
Treatment will depend on the cause. Your health care provider may ask you to avoid sexual activity or use a condom for a while.
Link RE. Cutaneous diseases of the external genitalia. In: Wein AJ, Kavoussi LR, Novick AC, Partin AW, Peters CA, eds. Campbell-Walsh Urology. 10th ed. Philadelphia, Pa: Saunders Elsevier; 2012:chap 15.
Workowski KA, Berman S; Centers for Disease Control and Prevention (CDC). Sexually transmitted diseases treatment guidelines, 2010. MMWR Recomm Rep. 2010;59:1-110.
Linda J. Vorvick, MD, Medical Director and Director of Didactic Curriculum, MEDEX Northwest Division of Physician Assistant Studies, Department of Family Medicine, UW Medicine, School of Medicine, University of Washington. Also reviewed by David Zieve, MD, MHA, Bethanne Black, and the A.D.A.M. Editorial team.
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f. Z-�1I .VOL. xxuu^JP ::ra dl Mfe BRYN MAWR arid WAYNE, PA., WEDNESDAY, . *T satitflk " ����� � '� :1 mm � ,*ft� Copyright, TruiUei of ;,.arnfin'^y!B,\ff�WW' -194a 5' " PRICE 10:�ENTS .�, t Per Host, R.N.A.F. Lectures, Shows Norwegian Films Continuation of Norway's War Effort Described In Movies ______ * Goodhart Hall, Tuesday, Decem- ber 1.�Per Host, famed Norwe- gian zoologist who is now in the Royal Norwegian Air Force, spoke tonight on the gallant war effort of his country, both on the home front and in the Armed Forces. Mr. Host also showed two reels of films, one dealing with the inva- sion of Norway, the other with the activities of the R. N. A. F. in Canada. The surprise invasion of Nor- way of April 9, 1940, was as treach- erous an attack as Pearl Harbor, Continued on Page Three Haverford and B. M. Will Give Barry Play Hotel Universe, a play in three acts, by Philip Barry, will be given on Friday and Saturday, December 4 and 5, at 8.30 in Goodhart Hall, by the Bryn Mawr Varsity Play- ers, and Haverford Cap and Bells Clubs. The play takes place on the terrace of a house in the south of France near Toulon. This fantasy is Philip Barry's favorite play. The cast is as follows: Ann Field.......Doris Benn, '43 Pat Farley......John Marsh,''43 Lily Malone Mariam Kreiselman, '44 Tom Ames ...... Ted Irving, '44 Hope Ames Mary Lynn Haden, '43 Norman Rose Walter Hollander, '44 Alice Kendall ----- Kate Rand, '45 Felix......James Sutterland, '43 Mr. Field ___ David Mallory, '45 Rehearsals Forecasts Climaxes, Subtte Music, Voices Out ofaSudfynLull, But No Horizon j'i�i By Mary Virginia'More, '45 "Tonight we work on climaxes," Mr. Nusbaum has said, putting the cast of Hotel Universe through its paces. So we notice the sequence and motives. Everyone is on the terrace. Black is the stage when the curtain goes up (and Parsival swells through the air). I'm off for Africa, he said, standing up on a rock in the blaz- ing sun. He laughed up at her from the water, (the way his teeth gleamed from the water). Did he have unusually white teeth? He brushed them twice a day � oh damn you! (the way his teeth gleamed from the water). Hopeless .... Hopeless .... Hopeless .... And then her half-mad father .... (holding of suspense . . . the height which precedes the plunge) . . a voice out of the sud- den lull. I saw him, you know. Lord, you can be a louse. You bet I can! (Boom, says Mr. Nus- baum). More coffee, anyone? (there doesn't seem Jjt be any horizon . . the sea meeflr the sky without a Mrs. Manning to Talk On Various W ar Aims The Alliance will hold a meeting Tuesday, December 8, in the Com- mon Room. Mrs. Manning and Mrs. Cameron will both speak on the general topic of a "Year at War," dividing the subject between them. It is to be a survey of our various war aims and ideals, and the changes which they may have undergone during the past year. Mrs. Cameron's talk will also con- cern parties in the conquered coun- tries. The speeches will be fol- lowed by an open discussion. Rare Book Room Displays Valuable Folios, Collection of Books From Old Aldine Press (Extract from Miss Terrien's ar- � tide iti the December "Alumnae Bulletin.") Valuable examples of the Aldine Press are now on display in the Rare Book Room. Five rare Greek folios have been presented to Bryn Mawr by Mrs. John Dozier Gordan (Phyllis Goodhart, 1935), and Mr. Howard L. Goodhart. The gifts, important in the history of 16th century typography, are examples of the editiones principes of Greek authors, which according to San- dys, make up almost one quarter of the output of the Aldine Press be- tween 1502 and 1516. They should provide a splendid nucleus for a 16th century collection. Our exhibition begins with the Jtilius Pollux which was printed and edited by the master printer and scholar in Venice in 1502. The clear black type set between gen- erous margins makes a beautifully balanced page and the spotless condition of the whole tome is at- tonishing when one considers that it is over 4001 years old. The ab- sence of the original covers is to be deplored but at the same time the gold-tooled levant binding, the work of C. Kalthoeber, is a delight. The Thucydides, also edited and Erratum The Nuts and Bolts in last week's News was not written by Jessie Stone, but by Nan- cy Evarts. printed by Aldus in 1502, is bound in old calf and differs from the other gifts in having illuminated initials. The Rhetores Graeci of 1508 is an Aldine which has now become exceedingly rare. It be- longed at one time to the British Museum which has retained a du- plicate. The Hesychius, printed in 1514 and edited by Aldus and Mar- cus Musurus, was once the proper- ty of the Academy Library in Lei- den. It is bound in blind stamped vellum and has rough leaves throughout. Finally, there is the Deipnosophistae or Banquet of the Learned, of Athenaeus. Printed in 1514 and edited by Aldus and Mu- surus and bound in sprinkled calf, it has the most ingenious title page of all the volumes. It bears the author's name in Latin and below this is a short description of the work in Greek which is typograph- ically arranged in the form of a goblet. In addition to the folios men- tioned above there are two owned by this library. The Theophrastus is the fourth volume of the famous five volume set of Aristoteles, which was printed by Aldus in 1495-98. It was given to Bryn Mawr by Mr. Wayne MacVeagh in November 1886. We do not own the other volumes of this set. An- other folio, the De Deo of Marcus Antonius Natta, has been given to us by Mr. Howard L. Gray. It was printed in 1559 and was a product Continued on Tafe Two "A line to mark it). But then ever since she came her sense of time ,has been confined to music. Felix is telling the time every half hour. But stop . . . music ... La Valse! (who-oops, \*hoo-ops, who- oops). The letter he is holding brings a thought. What was it? "I'll tell you that the day before I die. It sounds ominous (volunteers one of the characters). While she �she is willing to exchange her public for another's heart. When the Polka begins, it is time for an act within the act (and a clever one, too). Good morning, Mr. Rose, good morning, good morning. (What is ear-marked gold). He's hung up, the sly bluf- fer. Silly�they are so silly, (coming back to the act proper). It could- n't be any whrse than it is. Hopeless . . . . hopeless (What??). Hopeless! But then it's not possible to ex- pect too much from life. (Is it?). Why are people disappointed in it? Nothing matters a damn any- way! (chemistry is chemistry). B. M. Defense Group Formulates Aims for Victory and Peace Geology Lecture Room, Novem- ber Si. � The American Defense, Bryn Mawr College Group, ap- proved a new set of principles and elected officers in its last meeting. The exact function of the group was also discussed. The principles adopted were as follows: 1. The war is an international war against international fascism. 2. The immediate task of the United States is the total organi- zation of its resources in order to achieve victory. 3. Successful prosecution of the war and the establishment of peace requires the full cooperation of all the United Nations. 4. It is important to create a betters-understanding of our allies, particularly of Great Britain, Rus- sia and China. We must resist all attempts to cause misunderstand- ing among us. 5. Protection of the political freedom and economic security of all our citizens is an essential part of the democracy we are defending. 6. We accept the aim of the At- lantic Charter to respect the right of all peoples to self-government, and to give them access on equal terms to the trade and raw mate- Continued on Pace Three Conciffdmg Fre^^n Plays Good; .But Merion Cometh Wins Award Presentation by Pern West \ Difficult Job of Fantasy Reveals Clever Directing By Anne Denny, '43 Shipley Gymnasium, Friday, No- vember Jt7.�The second group of Freshman plays was presented by the two Pembrokes and Denbigh. The high standards of talent and energy of last week's performances were sustained. Smoothly, Coherently Handled By Alison Merrill, '45 Merion Hall this year was awarded the Freshmen Play Com- petition Plaque for its production of The Princess Marries the Page, directed by Betty Dallam, '45. Hon- orable mention went to Pembroke West's The Constant Lover. A The Constant '-Lover, cleverly faculty group of judges, made up presented by Pern West, proved to be an interesting but difficult play to produce in such an experimental manner. Pat Franck, as Eveline Rivers, showed a good deal of promise . as an actress, and Pat Stevens, as Cecil Harburton, clev- erly carried off the comedy. Lynn Haden's direction was excellent and with an unfortunately limited number of rehearsals achieved a masterpiece of timing. The success of the Pern East play, The Trysting Place, by Booth Tarkington, lay more in the comic situation which the author created, than in the players' ability. Al- of Mrs. Chadwick-Collins, Miss Ward, Miss Henderson, and Mr. Sprague, announced their decision following the presentation of the second group of plays on Novem- ber 27. Continued cr Page Three Gay Weekend Planned With Play and france The College Dance, which will follow the presentation of Hotel Universe, promises some diversion for quizz-weary undergraduates. i It will contribute to a festive week- though the technique was not fin-jend for ali and morale will no ished, their spontaneity produced doubt shoot sky high. The dance Bryn Mawr's largest an amusing piece. Ruth Lester as Lancelot Briggs had the largest part and did the most toward set- Continued on Page Three Novel Spirit Prevails At Pem East Dance Pern East brought its Thanks- giving to a dynamic end with the Hall Dance that had started as a Date Bureau. Penn, Haverford, and Swarthmore were well repre- sented, while three of the Prince- tonians arrived wholly by mis- chance to ask the way back to Princeton. Invitations were issued on the unique theory of introduc- ing everyone to some man and as many of his friends as possible. The presiding chaperone contingent included Mr. Patterson, Mr. Wat- son and Mr. Oxtoby. itself, Bryn Mawr's largest fall function, will take place in the gymnasium amidst Christmas dec- orations and a blithe atmosphere of Noel. A local college orchestra, led by Tom O'Conner, of Penn's Sigma Chi Fraternity, will provide the music. Admission is two dollars for couples and one dollar for stags. Miss McBride, Miss Ward, Miss Grant, Mrs. Chadwick-Collins, Sal- ly Matteson, and Graham Hobson will be patronesses. Mr. and Mrs. Broughton, Mr. and Mrs. Latti- more, and Mr. and Mrs. Miller will be chaperones. From eleven o'clock until two o'clock, music, laughter and the swish of formal attire will float from the Gym, and woe unto poor unfortunates grinding out papers in blue-jeaned solitude! British Navy Takes Umpire's Breath Away, Thinks Fouls Are "Funny," Prefers Lacrosse Calendar Friday, December 4 Varsity Players* Club and Haverford Cap and Bells. Hotel Universe, Goodhart, 8.30. Refreshments after per- formance, Common Room. Saturday, December 5 Tea dance, Rhoads, 4.00. Varsity Players' Club and Haverford Cap and Bells. Hotel Universe, Goodhart, 8.30. College dance, Gymnasium, 11.00-2.00. Sunday, December 6 The Reverend David Braun, Music Room, 7.30. Tuesday, December 8 Revue of first year of war, Mrs. Manning, Mrs. Cam- eron. Common Room, 7.30. By Jacqueline Ballard, '43 . Bryn Mawr Hockey Field, Sat- urday, November 28.�Bedecked in checkered shirts, blousy shorts, and high socks, officers of the Royal Navy, Royal Naval Reserve, and a lone Royal Marines captain en- The British daringly stopped the ball with their hands and feet�a custom apparently well established in English hockey law. The officers' unfamiliarity with and total disregard of American rules caused the umpires to stop gaged in the most regal hockey i wasting breath on whistle-blowing, game we have seen. These British i The British had no conception of fighting forces were also equipped | dangerous hitting. One officer with the most gigantically danger- ous-look:ng cleats on their football shoes. Two teams, the Greens and the Yellows, generously divided up the sea-farers and sprinkled a few Var- making a supremely dangerous hit was grounded by the force of his effort. When the shriek of the whistle interrupted play, he won- deringly exclaimed, "These Ameri- cans are funny. This is the first to sity players and athletic novices at time I've had a foul called on me Bryn Mawr hockey in the line-up. f0r sitting down!" Before the Greens could catch their breaths, the Yellow forward line had sent two goals to their mark. | The British officers had all play-; ed hockey before, but it had been English hockey, a brand which, if indulged in here, would send eleven players of a team per game to the hospital. Even the most perverted Nazi cannot say that the British don't fight, and we cannot say that they don't prefer to mix their hock- ey with a strong flavor of lacrosse. The ball whizzed knee and ear- high from one end of the field to the other, while the less hardy fe- male members of each team were occupied in frantic ducking games. Engagements Celia Moskovitz, '43, Julius Hastings. Marie Ann Smith, .'43, to Raul A. Vasquez. Nathalie Bell, '43, to Sam- uel Brown. Marriages Anita McCarter, '43, to Lt. Carl Wilbur, "tiTs. w.-tfr Class Baby . A daughter was born to Jean Wilkinson Wright, '42, on November 30.
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text: I am a criminal justice student at Ivy Tech and so far am getting all A's. I really want to become a police officer but came to this decision a little late. I am fully dedicated to this decision and know that is the life I want for myself and my family. The basic requirements of graduating highschool and no felonies or domestic violence. In 2005 though I made a stupid decision and was arrested and convicted of misdameanor fleeing and misdameanor criminal wrecklessness. Also from 2003 to 2005 I built a healthy driving record. I have not had any tickets nor infractions or violations of any kind since 2005. My driving record has cleared the points. Is there any time gap that will make my misdameanors more likely to be overlooked and how much would an associates degree help my application even with those infractions? When I finsh my degree the convictions will be seven years old.


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Sette Signature 3/4 Glove
The Sette Signature 3/4 glove provides a ton of features at an affordable price.
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Drug Notes
UPMC Patient Education Materials
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Osler-Weber-Rendu syndrome is an inherited disorder of the blood vessels that can cause excessive bleeding.
Hereditary hemorrhagic telangiectasia; HHT
Osler-Weber-Rendu syndrome is a condition passed down through families. It results from a problem in one of several genes. Scientists have identified some of the genes involved. They do not know exactly how the gene defects lead to problems seen in persons with this syndrome, but it involves proper development of blood vessels.
People with Osler-Weber-Rendu syndrome can develop abnormal blood vessels called arteriovenous malformations (AVMs) in several areas of the body.
If they are on the skin, they are called telangiectasias. The abnormal blood vessels can also develop in the brain, lungs, liver, intestines, or other areas.
Symptoms of this syndrome include:
An experienced health care provider can detect telangiectases during a physical examination. There is often a family history of hereditary hemorrhagic telangiectasia .
Signs include:
Tests include:
Genetic testing is available to look for changes in genes associated with this syndrome.
Treatments may include:
Some patients respond to estrogen therapy, which can reduce bleeding episodes. Avoid taking blood-thinning medications. Iron may also be given if there is a lot of blood loss leading to anemia. Some drugs that affect blood vessel development are being studied as possible future treatments.
Some patients may need to take antibiotics before having dental work or surgery. Ask your doctor what precautions you should take.
HHT Foundation International -- www.hht.org
People with this syndrome can live a completely normal lifespan, depending on the parts of the body where the AVMs are located.
Call your health care provider if you or your child has frequent nose bleeds or other signs of this disease.
Genetic counseling is recommended for couples who want to have children and who have a family history of hereditary hemorrhagic telangiectasia. Medical treatments can prevent certain types of strokes and heart failure.
McDonald J, Bayrak-Toydemir P, Pyeritz RE. Hereditary hemorrhagic telangiectasia: an overview of diagnosis, management, and pathogenesis. Genet Med. 2011 Jul;13(7):607-16.
Chad Haldeman-Englert, MD, FACMG, Wake Forest School of Medicine, Department of Pediatrics, Section on Medical Genetics, Winston-Salem, NC. Review provided by VeriMed Healthcare Network. Also reviewed by David Zieve, MD, MHA, Bethanne Black, and the A.D.A.M. Editorial team.
For help in finding a doctor or health service that suits your needs, call the UPMC Referral Service at 412-647-UPMC (8762) or 1-800-533-UPMC (8762). Select option 1.
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