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MIDDLE EAST ECONOMIC SURVEY …a weekly review of regional Energy, Finance & Politics. The Impact Of The Credit Crunch On Energy Project Finance By Melanie Lovatt, Finance Editor, Middle East Economic Survey. The Credit Crisis.
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…a weekly review of regional Energy, Finance & Politics
The Impact Of The Credit Crunch On Energy Project Finance
By Melanie Lovatt, Finance Editor,
Middle East Economic Survey
It's impact on all bank lending, and even on energy project finance, is profound.
But why can dodgy US home loans impact an energy project in, for example, Saudi Arabia?
Especially if some of the failed institutions were not big project finance providers in MENA?
Global interbank lending ground to a halt driving up interbank offered rates (Libor, etc). This cut complex links between chains of banks.
Banks became reticent to lend because they faced losses or feared their fellow banks would fail
Customers took deposits out of banks, further reducing the amount they are able to loan – laws govern percent of deposits that can be loaned.
These banks (mostly European and Japanese, with a few notable US players like Citibank) have provided the bulk of energy project finance over the last decade…
…Awash with liquidity (2004-early 07), they were aggressively competing for business
As bankers were eager to take on Gulf risk due to the climbing oil prices and strong economic outlook for the region
Margins were so thin that some bankers were shunning deals citing low returns that even undercut corporate financings (which have shorter pay back period).
They also complained about reduction in covenants (completion guarantees, etc).
And the 'commoditization' of deals – sign the term sheet, turn it around, onto the next one…
…but the old axiom – to be careful what you wishes for – is applicable here.
Higher margins were on the horizon, but so was the credit crunch.
But in late summer 07-early 08 Gulf project finance appeared shielded as financings proceeded in orderly manner:
Oman – Sohar/ORC $1.37bn from banks
Saudi – NCP petchem project $1.8bn, $10bn Kayan petchem project was closed.
Qatar – Qafco 5 fertilizer project $1.6bn
And Emirates Aluminum, Fujairah 2 IWPP were funded
But there were hopes that with high crude prices, energy project sponsors would continue to attract funding
With Bear Stearns' (founded 1923) collapse and fire sale to JP Morgan.
But deals continued to get done, Yemen LNG secured funding, QP completed financing for Ras Laffan C power project at (100-160 bps), also Nakilat LNG ships (110-125 bps).
Margins had edged up and 'Clubs' were favored over underwrite/syndicate.
Anyone who had thought energy companies would ride out the 'hiccup' had to admit that the impact would be far-reaching and ALL COMPANIES looking for a loans would be impacted by crisis, which was now stifling global economic growth.
Abu Dhabi Water & Electricity Co (ADWEA) $2bn Shuweihat S2 underwriting morphed into 20-plus year loan to a 10-month $1bn bridge loan.
Hasdrubal (gas – Tunisia) using Afr. Devel Bank, local banks, international bank component reduced
Market events led to material adverse change clause (MAC) and market disruption clause (MDC) discussions.
For short term loans, banks are servicing regular customers, but taking on little new business
With capital injections around world, Libor rates (and Gulf interbank rates) had eased slightly from record highs seen in Sept.
But changes this month to the Bush Administration's plan to buy distressed assets caused more nervousness, and rates had stopped declining.
Depends on how much more money banks lose, success of bailouts and capital injections. And the impact this has on confidence.
Confidence may be helped if Hasdrubal, Shuweihat, get their financings completed.
But there will be some important changes…
A smaller bank group will emerge, with increased government ownership, strategy may be different.
ECAs & multilaterals will be increasing providers of PF (ie JBIC can provide up to $3bn on Ras Azur IWPP, provided $2.5bn to PetroRabigh)
Local banks, Islamic banks relatively unaffected (exceptions GIB, ABC) but they are small compared to internationals
Margins higher, tenors shorter, fine print scrutinized
Sponsors will need to increase equity investment
Capital market funding, when markets reopen, will increase
Aforementioned Hasdrubal, Shuweihat S2 delayed, also:
Bids for Saudi IWPPs (SEC Rabigh, Marafiq Yanbu)
Bids for multi-billion ($15bn) Saudi oil refineries (JVs Saudi Aramco, ConocoPhillips and Total)
Where possible sponsors are deferring projects, and refinancings. Although regional gas project – Dolphin must refinance $3.5bn bridge loan in 09
66% world's crude oil, only produces 37%
46% of natural gas, only produces 17%, and was counting on new projects.
For 2009-13 MENA proposed energy capital investment is $650mn. Partly due to credit crunch projects in progress are now 80% of this ($520bn), according to APICORP.
Saudi was proposing ($163bn) but 13% have been shelved mostly in the petchem sector
Iran needs $96bn but 30% postponed due to sanctions
Qatar was expected to need $76bn, but due to moratorium on North Field shelved projects (ie GTL) are now up to 37%
Oil investment will be:
Upstream $79bn, midstream $11bn, downstream $153bn
Gas investment will be:
Upstream $62bn, midstream $24bn, downstream $79bn
Power generation $112bn
Source: APICORP
This investment could fall dramatically:
If banks restrict lending over a long period
If the economic downturn is severe and lengthy (affecting oil consumption)
If oil prices continue downwards, and stay low for a protracted period
…Prices of raw materials used to construct these projects, such as steel, copper, concrete have fallen dramatically.
Project sponsors are already haggling with contractors for a reduction in price, and this could have a big impact on viability and help to counterbalance rising bank costs.
The interplay between the bank crisis, volatile crude oil price (which dropped by over half since it hit $147/B in July) and the shift in construction materials prices makes it very difficult to assess the outlook for energy projects in the years ahead.
There have been calls to hike infrastructure spending to reinvigorate economies, and have them better poised when they emerge from crisis, but it remains to be seen if GCC governments take on board this advice.


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S/O to the homie Oktane. He's had a huge 2014 on the media scene. I love the way he grinds. I'm posting his end of the year gift to RVA: No Ink Vol. 2.
Oktane didn't just rest with the mixtape. He then called the majority of the artists together to live cypher over "Seen it All" at Charged Up Studios.
The mixtape is a collection of RVA artists that are doing major work right now: AGM's Michael Millions and Radio B, Control Ent's Godlin and Bigal Harrison, Charged Up Ent's YANKEE, Chance Fischer, Dutch Deville, J. Bizz, and many more. Check it out. #Salute #WESEEIT
Follow Oktane over at HipHopVA.com & BestofBothOffices.com

subset: commoncrawl


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The Chester Grosvenor
An impressive black and white timbered Grade II listed building in the centre of the historic city of Chester contains a stylish, contemporary hotel dedicated to excellence. With an outstanding Michelin-starred restaurant, a vibrant Parisian-style bistro, an ultra-chic spa and modern, bespoke meeting rooms, this is the ideal city sanctuary. Gorgeous antique oil paintings and a vast chandelier meet up-to-the-minute style and luxury. Be sure to dine at the highly acclaimed gourmet restaurant Simon Radley at The Chester Grosvenor which has retained its Michelin star since 1990 and has over 1,000 bins in its extensive wine cellars. There are exceptional award winning attractions within easy reach of Chester including Chester Zoo and the Blue Planet Aquarium. Chester is renowned for its ancient two tier rows which house wonderful boutiques and unique shopping in the heart of the city, the hotel can is adjacent to Eastgate clock within the Roman Walls. The McArthur Glen Designer outlet village, Europe s largest outlet centre is within 15 minutes drive of the city. Car parking is avalible in the public car park at the rear of the Hotel and is charged at the discounted rate of £8.50 for 24 hours. Advance reservations are essential for restaurant and spa reservations in order to avoid disappointment. Please be advised that a pre authorisation on your credit or debit card will be required at the time of check in for your accommodation rate plus £200.00 for any extras you may incur during your stay. Please note pre authorisation cannot be taken on Mastercard Debit cards, Maestro or Visa Electron.
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Sayonara Zetsubou Sensei Jo: Zetsubou Shoujo Senshuu
Type Special
Airing Status Finished Airing
Duration 1 hr. 1 min.
Air Date Jan 1, 2008
Season winter 2008
Producers Shaft

A special summary episode of the first season of Sayonara Zetsubou Sensei, focusing on seven of the girls: Komori Kiri, Matoi Tsunetsuki, Kobushi Abiru, Kimura Kaere, Kitsu Chiri, Sekiuchi "Maria" Tarou and Hitou Nami.

 Note: This entry also includes the 24 minute version which aired on BS11.

Recent EpisodesAll Episodes
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|Property type
Property details
Holiday homes, Parchowo
Offered at your accommodation
holiday home/type 1
2 buildings, 2 residential units.
holiday houses, cosily and comfortably furnished. across 2 floors. Open kitchen. 4 induction fields, oven, refrigerator with freezer, dishwasher, microwave, coffee machine, kettle, toaster. shower, toilet. separate toilet. cable/satellite TV, radio, CD player. fireplace, fireplace. washing machine. covered terrace, outdoor seating, BBQ area. outdoor furniture, BBQ, loungers. parking space.
holiday house. living / dining room, (1 double sleeper couch). 3 bedrooms on the upper floor, (1 single bed + 1 trundle bed), (1 double bed), (2 single beds).bedroom on the ground floor, (1 double trundle bed).
shopping 3.5 km, restaurant 4 km, bathing 150 m, sea, sandy beach 77 km, lake 150 m, river 500 m, Bytow 17 km, Gdansk 77 km.
Extensive baby equipment
non-smoking accommodation. (Youth) groups not permitted.Towels are not provided.
playground, swing, sandbox, trampoline, juvenile bicycle, child bicycle seat. baby crib (included in maximum occupancy), highchair, baby gate, safety guard for electrical outlet, please reserve.
Recreation / Sports
rowing boat, kayak, life jackets.
fishing 150 m, bicycle rental 6 km, horseback riding 6 km, adventure pool 17 km
Paying per credit card incurs fees in the amount of 0.7% of the sum due, rounded up to full euro amount.
*Plus compulsory or optional charges based on actual occupancy or consumption. The payment has to be made in the currency offered by the property manager, before use of conversion tool. Payments in other currencies have to be negotiated beforehand with the property manager. The currency conversion tool is provided for your convenience only and is non-binding.


text: Seller: indcollection (1,553) 98.9%, Location: DELHI, DELHI, Ships to: Worldwide, Item: 282260978343 4 Pcs Indian Handmade Beautiful Animal Printed Ceramic Door Knobs for Kitchen Pictures sell! Auctiva Free Image Hosting.Show off your items with Auctiva's Listing Templates Auctiva, THE simple solution for eBay sellers. Condition: Handmade Item, Custom Label: CDL34, Country Of Manufacture: India, Color: Blue Floral Print on White, Material: Ceramic


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Mondo's head of design Hugo Cornejo on designing a digital bank
Mondo is one of a growing group of fintech startups aiming to transform the way we bank. We talk to head of design Hugo Cornejo about working with customers and developers to create a digital banking service to rival existing apps
In October last year, a survey by the UK's Competition and Markets Authority revealed that over half of banking customers in Britain had been with the same current account provider for ten years. In the same study, over a third said they had been with their bank for twenty. Many of these people are happy customers with little reason to change – but there are others who stay either because switching is too much hassle or because the competition doesn't seem all that different.
A new group of banking startups is attempting to rival legacy banks with mobile services that make it easier to manage your money online. Atom, backed by Spanish bank BBVA, became the first mobile-only bank to receive a licence from the Bank of England last summer, followed by Tandem a few months later and now, Mondo is hoping to follow in its competitors' footsteps.
Mondo was founded by digital entrepreneur Tom Blomfield and a handful of former colleagues from banking startup Starling. Mondo is still awaiting its banking licence but currently offers a prepaid Mastercard debit card and an app allowing you to view transactions and send and receive payments. The app is still in beta but has over 20,000 users and a waiting list of over 150,000.
What's most surprising about Mondo is how easy it is to get setup and track your spending online. There's none of the usual faff associated with opening a bank account – just subscribe to the waiting list and, when your card is ready, you'll be asked to transfer £100 to your account to receive it. Mondo verifies each customer's identity by asking them to record a short video clip and take a photograph of their passport or driving license from within the app, meaning no paperwork or proof of address is required.
Payments show up almost instantly – buy a coffee in the morning and you'll receive a push notification showing what you've spent, complete with a coffee cup emoji (see above). Your available balance is updated immediately and transactions are clearly displayed with the name of the company and its logo. Sending money to other users is equally straightforward – tap 'send money', select a name from your phonebook and funds will be instantly added to their account. If your card is lost or stolen, you can freeze it from within the app and defrost it if you find it again, or order a new one.
All of this may sound fairly unremarkable – features that should be commonplace in mobile banking apps. But they're not. In most apps offered by legacy banks, payments won't show up for two or three days and when they do, they appear as a complicated transaction number, making it difficult to remember what the payment was for, when it took place and how much money is left in your account. Doing anything other than viewing a balance or paying a bill usually requires logging in to a computer or making a call to a helpline.
Hugo Cornejo, who heads up Mondo's design team (made up of Cornejo, graphic designer Samuel Michael and product designer Zander Brade), says its app aims to deliver the same level of service customers are used to seeing from the likes of Netflix or Amazon. "The most important thing, for me, is that it works like any other world class service you use. If I need to send someone something I use Dropbox or WeTransfer and it just works. If I want to call a car on Uber or upload a picture on Instagram I tap a button and it works. That's what Mondo should do," he says. Cornejo says the company does "a huge amount of work behind-the-scenes" to make it easier for customers to see what they're spending and where – something that legacy banks, with their outdated storage systems and technology, are struggling to do.
In its visual identity and tone of voice, Mondo takes a very different approach from brick-and-mortar banks. Its colourful logo is designed with iPhone home screens in mind, its cards are fluorescent orange and customer messages feature cheerful emoji and exclamation marks. The app has a simple layout but features some lovely animations – a running card character appears alongside a short message when your card is on the way, adding some humour and visual interest to what would otherwise be a dull holding page.
"I think we are quite good at separating the architecture and interior design of things," says Cornejo. "We have a very functional building – the app is very fast, it's easy to use and you can find your way around easily, but there are rooms and corridors where you have to wait. That's where you can have animations and where you can delight, when there is no immediate action to perform, because people are in the mood for that. A legacy bank will probably tell you 'Your request has been accepted' and talk like a robot but we show you a lovely little guy running with your card to tell you it's on its way. Both things mean the same, but those little details show we care, they're more human," he says.
Mondo's focus on transparency and offering a human touch has been key to its success so far. The company posts regular articles on its blog about what the team is working on and has a community forum where beta users can offer feedback – from complaints and concerns to suggestions for new features. Everyone at Mondo is asked to work on customer support from time to time, chatting with customers and answering their questions within the app, and the company regularly invites users in to hear what they think of the service so far. On the community forum, members of the team respond to users in detail, asking them questions about their comments and in some cases, updating or tweaking the app in response to their suggestions.
"Sometimes there are things that aren't perfect but we listen to customers and we say sorry and we fix them. I think there's tonnes of value in that, in seeing the people behind this – it's not so common in banking," says Cornejo.
For the design team, this has proved an invaluable experience. "I wasn't particularly sold on the idea in the beginning because as a designer, if you're working on something and it's not finished, but you want to see what people think of it, you need to adjust your own expectations and perfectionism. But the feedback has been great," he adds. "A lot of people will ask about features we've already thought of … but sometimes they will tell us things we didn't know – like an Apple update that can help make the app more secure."
Mondo has also opened up its API, allowing developers to use its software to create apps and widgets that are compatible with Mondo. It regularly runs hackathons to see what coders can create using its technology and has a developer forum where coders can share what they've done.
"It means that anyone can go and build apps for themselves using Mondo," explains Cornejo. "For example, we don't have a Windows app currently, but if you have a Windows phone, you can go and build your own," adds Cornejo. "We get good insights from what people are trying to build, whether it's things related to notifications or things that connect Mondo to other apps," he says. Recent ideas to come out of a hackathon include the ability to connect Mondo with other services such as Citymapper, allowing the app to suggest cheaper routes or times to travel to customers, and a desktop widget allowing you to view your balance on a Mac.
As well as providing Mondo with ideas for future development, working closely with customers and developers has helped the company understand what does and doesn't work in its service and what needs to be improved on while the app is still in beta.
"It's totally pragmatic. If we rolled out an app and no-one liked it and it doesn't work, we'd have wasted a lot of money … you're basically building a trap for yourself. You could get away with it and everyone could love your product, but it could go the other way. We haven't made any big mistakes yet but with small mistakes, you can fix things easily and you learn and make things better. If you do everything behind the scenes, you might not see a problem until it's too late."
"I think it's really important in finance as well," he continues. "People manage their money in very different ways … and you can't simulate that, you need to speak to many people and start identifying patterns and then you learn tonnes of valuable stuff."
Cornejo admits that Mondo's customer base is currently made up of early adopters – mostly, affluent males with a keen interest in tech. "It used to just be people around Old Street and that's not longer the case but we still have a huge bias," he says. The app is unlikely to appeal to those who prefer to do their banking in person but once it receives its licence, and can offer full current accounts, Cornejo hopes it will attract anyone who already uses mobile apps to shop, chat or manage their life and is frustrated with some of the inefficiencies that exist in digital banking.
"People always say it's just millennials but it's not, it's anyone who lives their life on their phone, to a certain degree, and trusts their phone and expects good services out of it," he says. "If it doesn't bother you that banks aren't very good at giving information in real time, or that they aren't very transparent, then you're not going to see the value in us probably, but if you're that person who started using Amazon or Deliveroo and thought, 'this is amazing'…. That mentality is growing," he adds. With its customer base mainly growing by word of mouth, Cornejo says the team must now figure out how to reach people who aren't friends or fans of Mondo and convince them of its benefits. Key to that, he says, is making a service that "just works".
When designing a banking experience, one of the biggest challenges is creating something that feels new and different but is sensitive to customers' expectations. There are certain things people expect from a bank, whether in terms of security or printed communications – for example, a welcome letter with your card or a pin number delivered in the post. Mondo sends pins via text, recommending users update them immediately – a move that has been questioned by users concerned over security on its forum.
"That's such a difficult problem because many of those expectations are built on things that are not real anymore – for example, every time you pay there's this concept of pending transactions," he says. "Basically, you buy a coffee in the morning, open your app and the coffee's not there – it's going to take two days to show up, because in those two days, technically the transaction is pending, so it can settle or it can not. In 99.999% of cases it does settle, so we removed that obstruction. If it doesn't settle, we'll remove [the payment] but the default is that it will show up instantly. Some people had problems with that because they're so used to the classic way of doing things – they almost miss it to a certain degree. I think for things that don't happen so often, you can have a more old school approach, so you can push a bit harder with the things that happen everyday and hopefully raise people's expectations," he adds.
With its current accounts, Mondo hopes to allow customers to set up overdrafts, direct debits and standing orders. Eventually, it plans to create "a financial hub" for customers – a service that can connect with other apps to help customers manage their money more efficiently and even secure mortgages by allowing Mondo to share data with providers and compile a list of competitive offers.
Whether Mondo can retain its personal touch as it grows bigger remains to be seen, but with its user-centred approach to design and a small and nimble creative team, it has a clear advantage over traditional high street banks when it comes to innovation.
"Traditional banks are packed with really smart and talented people – I've worked for banks in Spain and they have some of the best designers, in beautiful massive offices in the city … but the problem is their organisations aren't ready to be innovative. They built their systems in the sixties and seventies, so there's usually room somewhere that's still running software that is really old, and you have teams building things that are never going to be released. We built our technology a year-and-a-half ago, so it's state of the art, and when we build things, they show up in the app three or four days later. It's a very small and lean time and a very quick turnaround – a designer, that's amazing," he says.
For startups like Mondo – and Atom, Starling and Tandem – this ability to innovate quickly and deliver a more user-friendly service is their biggest selling point. Without the heritage of a legacy bank, or a reassuring physical presence on the high street, their success lies in putting customers' needs first to deliver a service that people both enjoy using and come to trust. "We try to make common sense business decisions of course but all of our decisions are focused on making a better product, something that people will love and I think the whole company is based on that," says Cornejo.
As Cornejo points out, many legacy banks aren't quite so interested in putting customer's needs at the heart of their service. Banks have a vested interest in a customer's balance falling below zero – most of them charge a fee for doing so – so it's little surprise they're not rushing to help people track their spending and avoid being overdrawn. But with rival companies like Mondo, Atom, Starlight and Tandem attracting hundreds of thousands of users, it's clear these banks will have to up their game – and provide a more efficient and transparent service – if they want to keep hold of those long-standing customers.


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Jerusalem crowned Anglo League champions 2011/12
Two goals from Jerusalem's star striker Moshe Lewis sealed a gritty 2-2 draw against Jaffa to secure the Anglo title in one of the tightest finishes on record.
Going into the final encounter of a long season, Jerusalem knew a win or or draw would secure the title. A victory for Jaffa meanwhile, would hand top spot to England, last year's runaway winners.
Jaffa also had plenty to play for besides pride with third place up for grabs for the boys in orange.
Lewis set off in typically rampant fashion. Hitting the bar within a minute of kick-off and then grabbing the lead after dispossessing the Jaffa keeper.
Jaffa responded with two quickfire goals. The first was a fine left-footed free-kick from Rani Madmon and the second a terrific flick up and headed finish from Esi Bildosola.
With Tel Aviv now in the box seat for the title, Lewis stepped up again with a surging run down the right and near post finish to put Jerusalem back to the top of the table.
The first half ebbed and flowed with Jaffa dominating possession but Jerusalem left back Yoel Finchas missed a golden chanced to regain the lead just before the break.
Whilst nervy, the second half was devoid of many clear cut chances as both teams tired on a hot summer's night. Jerusalem played on the break and were superbly marshalled at the back by Dan Kosky and Danny Newman.
Relief was palpable on the Jerusalem bench as the final whistle went to secure a well deserved league title. An open top bus tour is planned in Jerusalem for after the three weeks.
Jerusalem's title winning captain Dan Kosky said: "We got our just rewards for a great season. We've managed to blend some excellent young players with experienced old heads to produce some quality performances. At times, we've played some outstanding football. But we've also got a real belief and determination in the team and we've really battled for points when needed.
"We'll allow ourselves to have a bit of a celebration, but we'll soon be turning our attention to defending our title next season."
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text:
- ^ Latham, Jackie E. M. The Bradleys of Birmingham: The Unorthodox family of Michael Field (History workshop journal, issue 55).
- ^ Sturgeon, 1922, pp. 14-17.
- ^ White, Chris (1992), "'Poets and Lovers Evermore': The poetry and journals of Michael Field", in Bristow, Joseph, Sexual Sameness: Textual Differences in Lesbian and Gay Writing, Routledge, ISBN 0-415-06937-8
- ^ Premièred by the Independent Theatre Society, 27 October 1893
This content is from Wikipedia. GradeSaver is providing this content as a courtesy until we can offer a professionally written study guide by one of our staff editors. We do not consider this content professional or citable. Please use your discretion when relying on it.


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Rex Ryan: His 10 Most Outrageous MomentsDecember 22, 2010
Rex Ryan: His 10 Most Outrageous Moments
Rex Ryan has stolen the spotlight once again.
The New York Jets head coach is the topic of conversation in the sports world after a foot fetish video reportedly featuring Ryan and his wife Michelle has hit the Internet.
Deadspin.com originally posted the video, which features a woman who bears a striking resemblance to Michelle Ryan having a sexually-charged conversation about her feet with a man who is off camera.
Oddly enough, the camera man sounds pretty familiar--like Rex Ryan in fact--and it is reportedly the Ryans in that video.
There has been no confirmation that it is indeed Ryan and his wife in the video, but this story is sure to stick around for a while.
That being said, I thought it would be appropriate to take a look at some of Ryan's wackiest moments from his coaching career.
After all, the guy has a ton of 'em.
10. Rex Ryan Anoints The Jets The Super Bowl Favorites
In the 2009-10 season, the Jets sneaked into the playoffs and were the underdogs in their Wild Card game against the Cincinnati Bengals.
Well, Rex Ryan was at first surprised the Bengals were the favorites and later offered his take on the situation.
"I wasn't aware of that," Ryan said. "But to me, I think we should be favorites."
But Ryan wasn't talking just about that Bengals game.
"I mean in the whole tournament," Ryan added.
Gotta love the confidence from Ryan here, even if it wasn't true.
9. The Shake Weight
This would be No. 1 if it wasn't so short, but I couldn't leave it off this list.
I know you have seen the commercial for "The Shake Weight," which is sort of like "The Snuggie."
You don't want to buy it, but you really want to see what this thing's all about.
Well, on this season of Hard Knocks, the Jets purchased 100 "Shake Weights," and Rex Ryan tried it out for a few seconds.
Hilarity ensued.
8. Rex Ryan Attempts To Take Off His Flyers Jersey
At a hockey game in Raleigh, North Carolina between the Carolina Hurricanes and the Florida Panthers, Rex Ryan decided it would be a good idea to wear a Philadelphia Flyers jersey.
I guess that's fine given his connection to the city, especially considering there was no real problem until Ryan attempted to remove his Flyers jersey in favor of a Hurricanes one.
Two hot Hurricanes employees gave the jersey to Ryan, who had a little trouble removing his orginial jersey.
As he took the shirt off, Ryan revealed a big belly that I can only imagine was filled with nachos, beer, hot dogs and M&Ms.
He actually laughed it off, but so did an arena full of people and everybody who saw this game (or the highlights) on TV.
7. Rex Ryan Vs. Channing Crowder
It was June of 2009, roughly two months before the NFL regular season kicked off, but that didn't stop Rex Ryan from making the Jets rivalry with the Miami Dolphins a little more interesting.
When a reporter asked Ryan about Channing Crowder, Ryan acted as if he had never heard of the Dolphins linebacker.
"I don't know this Channing Crowder. All I know is that he's all tatted up, so I guess I ought to be nervous about him. If I was younger, I'd probably handle him myself."
After some more verbal battles between the two, Ryan concluded his war of words with these final lines: "Let's see if he can top this one. I've walked over tougher guys going to a fight."
Ryan added, "He can send himself and his father after me."
I'd pay some good money to see those two go at it, even if their trash talking is something you'd see between 12 year olds on a playground.
6. Impersonating His Twin Brother, Rob Ryan
When the Jets played the Cleveland Browns earlier in the season, most of the focus wasn't on the actual game.
Rather, it was on the battle of brotherly love between Rex Ryan and Browns defensive coordinator Rob Ryan, who just so happens to be Rex's twin brother.
Rex traded his Jets clothes in for some Browns attire, before portraying Rob at a Jets conference prior to the game.
Only in the NFL can we see a head coach don a wig and the wardrobe of the opposing team.
And I gotta say, I could hardly tell the two apart.
5. Rex Ryan On The NFL's Uniform Policy
I remember watching this episode of Hard Knocks and cracking up at Rex Ryan's take on the NFL's uniform policy.
You would think Ryan might spend at least 30 seconds discussing it, but nope.
Ryan breaks down the policy in one simple phrase: "Wear your uniform."
There's something to be said for getting straight to the point. Haha.
That was classic.
Tom Brady's married to one of the hottest women on the planet, Gisele Bundchen.
But does Rex Ryan also have himself a hottie for a wife?
Well, prior to the Jets recent Monday Night Football game against the New England Patriots, Ryan made the case that he and Brady aren't that different.
"I never realized how similar that I am to Tom Brady," Ryan said during a press conference. "I mean, the obvious physical appearance would be the first thing. The fact that he's married to a supermodel? Hello?"
Ryan then held up an issue of InStyle Magazine, which features his wife, Michelle, in an ad for NFLShop.com.
"Yeah," Ryan said, "I'm also married to a supermodel."
Something tells me he slept on the couch after that sarcastic remark.
3. My Brother Released You
In the 2010 preseason, Rex Ryan was caught on camera jawing with Washington Redskins cornerback DeAngelo Hall.
And the result is just phenomenal.
Ryan looks at Hall and says, "Hey, you ain't gonna tackle nobody. What are you talking about? That's why my brother got rid of your ass."
For those that are wondering, Rob Ryan was the defensive coordinator in Oakland when Hall was brought to the Raiders and released shortly therafter.
Blood is thicker than water, guys.
2. The Snack Speech
On an episode HBO's hit show Hard Knocks, Rex Ryan delivered a passionate speech to the entire Jets team during training camp.
As is customary of the coach, the speech was filled with a ton of expletives, but it was incredible to watch.
You could see the fire in his eyes and hear it in his voice.
But one sentence turned it from "passionate speech" to "why did he say that?"
At the conclusion of his talk, Ryan finished with the angry line, "Let's go eat a goddamn snack."
I haven't been that pissed off about snack time since I discovered they discontinued Dunkaroos when I was in third grade.
1. The Foot Fetish Video
Rex Ryan apparently has a foot fetish.
That definitely isn't my cup of tea, but OK. Whatever floats your boat, dude.
But you're the head coach of the New York Jets, so maybe you should be a little more discreet about stuff like this.
And you certainly shouldn't ask to smell your wife's feet (if that is indeed you in the video).
I mean, aren't there more enjoyable things in life than this?
Go win a Super Bowl or something.


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Get a true taste of Mexico in Manchester.
This Tex-Mex eatery is all about the food and drinks, amigos. Chiquito is bursting with Latin-American music, delicious Mexican food, ice cold margaritas and the finest Tequila in the north – it's the biggest fiesta in the city. And, it's your chance to take a shot at whipping up a batch of Cuban daiquiris, or fruity South-American Pisco's.
Your professional mixologist will demonstrate the tricks of the trade, and you'll make and drink three cocktails per person. There'll even be a welcome shot on arrival to loosen up and get your creative juices flowing. And, you'll also tuck into three mouthwatering three street food dishes to share. Olé.
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Monrovia Travel Blog› entry 6 of 7 › view all entries
After Joy and Jillian dropped me off my mumтАЩs house in Glendale, I charged up my laptop, my phone and digi camera battery. I repacked my luggage. I had a a bunch of stuff that I did not bring home. Geez I think i am taking more stuff home. I hope Melissa doesnтАЩt kill me.
I took a nap before she picked me up. She picked me up at 4pm. we were getting gas then I txted Jillian and Jenn that we are on our way. Then Jillian replied with тАЬhere?тАЭ, which means joyтАЩs house. I replied with a тАЬGOOD GOD I WISH!!!.тАЭ I got to thinking. I waited until Melissa finish pumping gas.
I asked her if she wanted to stop by to say hi and bye. It was on the way too. She was hesitant to do it, cuz she knows we will end up staying for hours.
I txted Jillian where are they. They were still at the same Mexican spot. I asked her to give me JoyтАЩs addy. Add it to the GPS, it was a 15mins drive to JoyтАЩs Melissa was so scared we were going to stay until 7pm or something.
They finally arrived, it was Will, Tracy, Jillian, Julz, and Joy in one car and Erin and Giovanni in her car. We all went inside to hang out for a bit. GOOD GOD TOOK MORE PHOTOS on JoyтАЩs camera.
They all decided to have ice cream. I was like damn I wanted ice cream yesterday. Erin and Giovanni had to go. He still has his car in Marina Del Ray and Erin went to visit her parents. We all said our GOOD BYES for the 3rd time. we all jumped in the car.
Then Melissa was making a u-turn.
We followed them. I told her not to close. They might suspect. We were laughing and giggling. After 10mins no txt no calls. HAHAHA they donтАЩt know. We followed them all the way through to baskin robbins.
As soon as we parked, I jumped out тАЬHEY GUYSтАЭ. I scared the bejesus out of them. We all hung out and had ice cream. Melissa and I shared a NO SUGAR ADDED CARAMEL TURTLE in a cup. FINALLY!!!!! JILLIAN AND I HAD OUR ICE CREAM.
Melissa says they were addicting to hang out with. HAHAHA I told her the LA TBs are the best. Love them muchly.
After an hour of laughs and licking each otherтАЩs ice cream and more photos. HAHAHAHA. Melissa and I had to go. She had fresh produce in the car. We clocked our arrival in vegas at 9:30pm we left at 6pm.
WE FINALLY SAID OUR тАЬGOOD BYESтАЭ AND WE REALLY MEAN IT THIS TIME. WE WONтАЩT LOOK BACKтАжтАж..


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Good evening,
Does anyone have any experience of Seatskinz as a product?
They claim to be able to make tailored leather effect seat covers which go over the existing seat upholstery so neatly that it looks like factory fitted.
Leather look seats made to order for the A2 would cost about £500 so it's a bit steep for glorified seat covers but you do get to choose colours and style.
Has anyone used their products?
Sent from my iPhone using Tapatalk


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Furniture Made for Future Path Classroom at Mother Givers School, plus Map and White Ceiling
Posted: Thu, September 15, 2016 | By: Buhanga
We have got the Furniture for Future Path Class Made, they have been made well with paint.
He has so far made all 50 stools and 20 tables, he is remaining to make 5 tables.
He says the remaining 5 tables will be complete this week.
Attached are photos at the bottom.
Above the furniture below, Meredith sent us a world map through the post office indicating where she lives, we are reading the map and we congratulate her.
And at the top of the other photos, there is a photo of the beautiful white ceiling in the Future Path Classroom.
Thank you Meredith!
Kabugho Victorina
Chair Person - Buhanga Thulibaghuma Women's Group


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Expert Indy is the leading roofing company in the Indianapolis Area. With over 25 years of experience. We know how to get the job done right. We among the industry leaders in up to date roofing techniques to make your roof last for years to come. We know you will be 100% satisfied with our service.Here are some of the services we offer:Free Estimates24 hour emergencyUp To Lifetime Warranty (Transferable Warranties Available)Commercial Industrial and ResidentialSiding and Window InstallationTear Off Re-roof, Wood Shake Shingles, Flat roofs, EPDM Rubber, Torch DownRoof maintenance programs availableHome additions and all phases of home improvement and repairsGeneral home remodeling servicesWe are licensed, bonded and insured. Locally owned and operated. All major credit cards accepted and we offer financing.Payment Options: Visa, Master Card, Personal Checks
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Liam Gallagher Almost Killed By a Blue M&M
Oasis frontman reveals nearly meeting his maker after grabbing a bite of his favorite candy.
Out of all the ways to bite the big one, death by an M&M certainly isn't among the classy ones, especially for such rock star as ex-Oasis Liam Gallagher of Beady Eye. But it turns out that the tiny candy almost had the frontman pushing the daisies after a last month's incident.
The singer has recently revealed getting caught up in a life threatening situation when least expecting it - during a hotel stay on holiday, The Sun reports.
"I've done some stuff over the years but never, never did I think a f--king blue M&M would be the thing that could have killed me," Gallagher started. "I was in a hotel on holiday and got in about the mini bar. I was bored and hungry, so it's what you do, man. I've always liked M&Ms so I got into them. I had a blue one."
And that's when the things got tricky, with the allergic reaction kicking in within mere seconds, sending the singer into an anaphylactic shock. "My mouth started to swell up and I could feel it tightening my throat, man. I had to go to the docs and get it checked out straight away. It happened again a couple of weeks after and now I've got to carry a syringe about with me in case of emergencies. Proper Pete Doherty gear."
In another recent story, Gallagher went on a rant regarding the music fans not too fond of his singing, which he went on to call "f--king idiots."
"I'm sick of f--king idiots saying I can't sing, you know what I mean? So I thought f--k this, no effects, none of that double tracking as much," the vocalist said. "Let's get in there bare, this is how I sound, man. This is how my voice sounds so hopefully people will like it and get off my f--king back ... It's how I sound round the f--king house or on the back of a camel or whatever."


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XYIENCE, Reasor's Foods Bring Mixed Martial Arts Superstar Jon "Bones" Jones to Jenks, Okla. Location on June 1, 2012
LAS VEGAS (May 29, 2012) XYIENCE Xenergy—the official energy drink of the UFC®—and Reasor's Foods will host an autograph signing with XYIENCE team athlete Jon "Bones" Jones, the UFC light heavyweight champion. The event is Friday, June 1, 2012 from 2 to 3 p.m. at the Reasor's Foods located at 446 S. Elm Street in Jenks, Okla. Samples of the sugar-free, zero-calorie energy drink will be available during the event.
Jones (16-1-0) is one of the most celebrated athletes in the sport of mixed martial arts (MMA). Fighting professionally since 2008, Jones defeated Mauricio "Shogun" Rua in 2011 to become the youngest champion in the history of the UFC and is currently the four-time defending champion. He's slated to defend his title again on Saturday, September 1 in Las Vegas, when he faces Dan Henderson at UFC® 151: Jones vs. Henderson.
Earlier this month, XYIENCE announced that it had secured full coverage in the state of Oklahoma as a result of a partnership agreement with Love Bottling Company.
"XYIENCE Xenergy is experiencing tremendous success in Oklahoma, so it's a thrill for us to be able to bring Jon Jones to Jenks where there is clearly a huge appreciation for MMA and the UFC," says Reuben Rios, XYIENCE's vice president of sales in the U.S. "We're looking forward to a successful event and a bright future for Xenergy in Oklahoma."
About Reasor's Foods
Reasor's was founded over 48 years ago in Tahlequah, Oklahoma. It was family owned until 2007, when Reasor's became an employee owned company. Today, Reasor's has 15 locations and two convenience stores with an additional two locations planned for 2012. The company employs nearly 3,000 people in Northeastern Oklahoma.
About XYIENCE (pronounced zy-ince)
Headquartered in Las Vegas, XYIENCE products are designed to support an active and healthy lifestyle.
Xenergy (pronounced zen-er-gy)
The official energy drink of the Ultimate Fighting Championship® (UFC®), Xenergy is one of the fastest growing brands in its category. The first energy drink created by a nutrition company, Xenergy is a sugar-free, zero-calorie beverage that is made with all-natural flavors and colors. Xenergy Premium flavors include Mango Guava, Cherry Lime, Cran Razz and Blu Pomegranate. Xenergy Xtreme flavors include Frostberry Blast and Fruit Punch. Xenergy is available throughout the United States and Canada.
For more information, please www.xyience.com. Or connect with XYIENCE on Facebook, Twitter and YouTube.


text: Hello everyone! Although the pupils in this video are quite young I think that you will be surprised as to how good their finished models are! Please visit my school's blog site (not you tube as school can't access this) and add a comment; I know that the children would be thrilled to hear what octopus experts have to say about their work (there is also a tonmo.com link added at the end of the video to let everyone know what a great place this is!) Thank you! Lee Ashton Headteacher, Lower Kersal Community Primary School, UK http://lowerkersal.edublogs.org


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Today Brook Hill begins an Equal Justice Works fellowship with the WLC—effectively his fourth promotion in less than three years. We think he's phenomenal, and are thrilled that he's starting his career as a lawyer with us.
Maurice Alexander's life is about helping other people. Nearly 70 years old, he is a certified paralegal, nursing assistant, and home health aide. He stands up for what's right. For over 15 years, Mr. Alexander has worked as an advocate for changes in the criminal justice system. He goes to extraordinary lengths for his family, especially his young son. Mr. Alexander even used his home health aide certificate to care for elderly family members.
But, like all of us, to do his job and care for his family Mr. Alexander needs a home. Yet, after three separate subsidized properties wrongly rejected his housing application, he found himself homeless. In contravention of federal law, the DC Human Rights Act, and the properties' own tenant selection policies, he was denied housing because of either a 7-year-old, non-violent, non-drug related misdemeanor conviction or a later-overturned 1991 conviction.
Almost fifteen years after the U.S. military invasion of Afghanistan, the impact of American involvement in the Middle East continues to unfold. One effect seldom discussed is the enormous toll the Afghan and Iraq wars have had on migrant laborers recruited by U.S. military contractors to provide support services for ongoing reconstruction efforts (e.g., security, catering, janitorial, laundry).
One of these workers was Gunaraj Dahal. In 2009, Mr. Dahal worked for Supreme Food, a catering company that provides meals to the military in Afghanistan. One day while he was working a refrigeration unit crushed Mr. Dahal's leg, permanently injuring him and rendering him unable to work. His employer merely put him on a plane back to Nepal, hoping to never hear from him again.
WASHINGTON, DC- As plans move forward to redevelop Brookland Manor, a group of long-standing resident families, along with community-based organization ONE DC, have filed a class action lawsuit today challenging the discriminatory redevelopment by developer Mid-City Financial Corporation and its affiliates.
If allowed to go forward as planned, the redevelopment would eliminate many apartments with three bedrooms and all apartments of more than three bedrooms, and displace up to one hundred and fifty families. Defendant Mid-City Financial Corporation has "justified" this discrimination on the basis that large families are "not consistent with the creation of a vibrant new community."
BATON ROUGE, La. – On August 16th, the Advocacy Center, Proskauer Rose LLP and the Washington Lawyers' Committee filed a class action lawsuit on behalf of a class of probationers and parolees who are deaf or hard of hearing against the Louisiana Department of Public Safety and Corrections ("LDPSC") and its Secretary, James LeBlanc, alleging violations of Title II of the Americans with Disabilities Act and Section 504 of the Rehabilitation Act.


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GraphicRiver Boutique Brand 8238077
Photoshop \ Logo Template \ Crests
Boutique \ Design \ Vector \ Scalable \ Transparent \ Illustrator \ Please
Logo Template - Boutique Brand 8238077 by LayerSky @ GraphicRiver
Photoshop \ Logo Template \ Crests
This logo design for all creative business. Consulting, Excellent logo,simple and unique concept.
Logo Template Features
- PSD ( Adobe Photoshop File )
- AI and EPS (Illustrator 10 EPS ) 300PPI
- Transparent PNG File
- 100% Scalable Vector Files
- Easy to edit color / text
- Ready to print
Font information at the help file
If you buy and like this logo, please remember to rate it. Thanks!
Layered: No; Graphics Files Included: Photoshop PSD, Vector EPS, AI Illustrator; Resolution: Resizable; Minimum Adobe CS Version: CS.
Digital Wing; Lion Security; Creative Brain; Best Speed B Letter Logo; Happy Dental; Rocket Design; Dragon Crests.
Keywords: boutique, boutique hotel, branding, cafe, crest, custom, design, elegant, emblem, flourish, logo, luxury, menu, monogram, overlay, premade, reliability, restaurant, retro, security, tradition, victorian, vintage.


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Stock Graphic >> Icon - Sport Icons 219123 by Swedish Points @ CreativeMarket
File Size: 3.9 MB; Vector: Yes.
Icon collection of the most common summer and winter sports. The download includes EPS files (Illustrator 8.0) that can be opened in all the common vector editors, or in Photoshop if you want to create raster images (like PNG or JPG for instance) in the size you prefer. If there's a sport missing in the collection that you would have needed, please leave a comment or send me a message. Your feedback is highly appreciated!
Included files.
- One EPS file with all icons in it.
- Separate EPS files for each icon, with black icons on transparent background.
- Separate EPS files for each icon, with white icons on transparent background.
Summer sports: Archery, badminton, baseball, basketball, boxing, canoe slalom, canoe sprint, cycling bmx, cycling mountainbike, cycling road, cycling track, discus throw, diving, equestrian, fencing, golf, gymnastics artistic, gymnastic rhytmic, hammer throw, handball, high jump, hurdles, javelin throw, judo, land hockey, long jump, pistol, pole vault, rifle, rowing, running, sailing, shotput, soccer, softball, swimming, synchronized swimming, table tennis, taekwondo, tennis, trampoline, triathlon, triple jump, water polo, weightlifting, windsurfing, volleyball, wrestling
Winter sports: Biathlon, bobsleigh, cross country skiing, curling, figure skating, freestyle, ice hockey, luge, nordic combined, skating longtrack, skating shorttrack, skeleton, ski jump, slalom, snowboard, super giant slalom
Keywords: sport, olympic, winter, summer, game, icon, symbol, vector, set, collection, baseball, basketball, hockey, icehockey, tennis, golf, cycling.


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You can also make a booking over the telephone. Please call us on 0131 557 5754.
Please note we are closed all day every Monday. We regret that we are unable to accommodate children under the age of five years. As we are a small restaurant, please note that we do not have bar waiting area where you can wait for your table if you arrive earlier.


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Natural Beekeeping DV... LBF-6628
We get so many calls from people concerned about the plight of the bees. Here is something you can do anywhere.grow pesticide-free nectar and pollen plants for them. Happy in the ground or in a pot. Great project for kids, too.
The 3 hour video, by Ross conrad, presents a comprehensive survey of natural beekeeping methods and challenges, including segments filmed in the field. It offers practical information that every aspiring beekeeper needs to know-everything from basic hive equipment to working with your bees to harvesting and processing honey.


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Powered by GolfNow
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Central Tee Times
Below you'll find tee times for courses in Central area, including courses from cities like Midlothian, Irvington, Tappahannock, Montpelier, Williamsburg, Glen Allen, Moseley, Staunton, New Kent, Petersburg, Ashland, Newport News, Louisa, Chesterfield, Farmville. Top tee times deals and savings are listed first, then you can find all the Central-area courses we offer tee times for. Prices and savings are highlighted in the list, but you can always set your own criteria using our search function (below).
All Tee Times for Courses in VA - Central area
Map here


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Song Battle Championship 2017 - GRAND FINAL Featured
- font size decrease font size increase font size
It's back for 2017... 64 songs, 2 weeks with hundreds of votes, and only one ultimate champion for the year.
At 5pm when voting closed in the final round, it was a draw(!!!!!), so Anne from Auckland was our one call to decide it all, and she picked:
Click here to see the full tournament results.
Thanks heaps for the votes! See you for the next Song Battle Tournament in 2018!


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Loyola Marymount Defeats La Sierra 100-83 - Recap
Loyola Marymount earned a 100-83 victory over La Sierra on Saturday, getting 24 points from Evan Payne at Gersten Pavilion.
Loyola Marymount got 21 points from Anthony Ireland and another 20 points from Alex Osborne. Chase Flint contributed 8 assists, while Alex Osborne cleaned the glass with 17 rebounds.
La Sierra got 24 points from Wolfgang Wood in a losing cause and another 19 points from C.J. Goldsmith. Daveon Woods contributed 7 assists for them, while Wolfgang Wood had 7 rebounds.
First-half bettors who backed Loyola Marymount were victorious, as the score was 54-37 at the break.
Loyola Marymount had a 51-25 advantage in the rebounding department as they won the battle in the paint.


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Did Lloyd's conceal the nature and scale of liabilities arising from asbestos claims, and thereby mislead the market?
Evidence culled from the reports of US law firms combined with insiders' information and Lloyd's own statistics suggest this may be the case, say some lawyers.
If this were proved the disastrous consequences for Lloyd's would be as unquantifiable as the continuing market losses arising from long-tail US asbestosis litigation. Lawyers say if grounds were found to suspect fraud, further cases for legal action by Names and reinsurers denying liabilities could be expected.
This week, Parliament's Treasury and Civil Service Select Committee is likely to turn up the heat when it publishes its latest report into financial services regulation by renewing the call for a "wide investigation" into Lloyd's events of 1970-1980. The committee's first call came last March. But, together with a demand for a fully-independent regulator to replace the Department of Trade and Industry (DTI), it was rejected by the Government.
The select committee's report will bring back into focus some of the issues alluded to by two protagonists: John Donner, the retired senior Lloyd's underwriter, and the Names Defence Association (NDA).
Donner's calls for an independent inquiry have been twice rejected by Lloyd's – in 1990 by a Lloyd's internal inquiry and in a report this year by Freshfields, acting for
Lloyd's, which said his 50-page report, made in March, brought no hard evidence to bear.
But Donner is refusing to go away, despite the fact that Lloyd's has twice concluded that he "has failed to produce any material to substantiate or support his allegations or theories".
Already a war of words is building up between Freshfields and London solicitors Memery Crystal, which delivered a strong rebuttal of Freshfields' report.
A study of Lloyd's statistics and US law firm reports by the NDA and Memery Crystal is claimed to show "possibly fraudulent" under-reserving of long-tail US liabilities and "stair-stepping of reserves" to allegedly conceal losses on syndicates with the effect of defrauding Names lumbered with growing risks.
Donner, in a report by his solicitors Memery Crystal to Lloyd's, alleges information was withheld about the scale of potential losses for asbestos claims. Such information was collated by the Asbestos Working Party (AWP) set up in 1980 by the then Committee of Lloyd's.
This information was contained in reports by US law firms such as LeBoeuf, Lamb, Greene & MacRae, Lloyd's US counsel, and Mendes & Mount Lord Bissell & Brook, which reported to Lloyd's and US insurance clients on the type, size and volume of asbestosis awards and predicted claims.
Donner's submission includes examples of information withheld – Lloyd's allegedly not telling the market of reports predicting "bankruptcy" for reinsurers or that average US settlements had risen from $75,000, a figure Lloyd's syndicates used to calculate reserves, to $170,000.
Lloyd's panel auditors anticipated asbestosis claims totalling $2 billion.
But the US government-sponsored Selikoff report, which predicted 200,000 deaths from asbestosis by the end of the century and total claims of around $170 billion, was also kept quiet by Lloyd's, says Donner.
He claims Leboeufs partner Charles Havens III sent copies of the Selikoff report to the AWP and the Lloyd's Underwriters Non-Marine Association in 1982. The report warned that Lloyd's insurers faced $544 billion potential liability from 3,200,000 possible claimants; Lloyd's underwriting capacity in 1982 was just $4,756 billion.
Meanwhile, accountants Neville Russell, a member of the Lloyd's panel of auditors, voiced its concern to the audit department of Lloyd's in February 1982 over the adequacy of syndicates' reserves for asbestos-related claims. It could not sign off reinsurance contracts and close syndicates' 1979 year of account because of an unknowable volume of claims coming through, which could bankrupt the market.
Donner also claims Lloyd's went on a massive drive to recruit Names to "dilute the impending costs" to the market. Names increased from 7,710 in 1975 to 18,506 in 1980, a more than four-fold increase unjustified by any growth in Lloyd's business. The withholding of information led to "thousands" of Names joining high-risk syndicates, some of which were also reinsuring other high-risk syndicates. He also claims some of this reinsuring was done by those who had access to information warning of potentially huge losses.
Donner's report is also critical of the DTI. He says it "was or should have been aware" that certain syndicates were "grossly under-reserving" but took no action and failed to consider the long-term US liability losses despite having "details that such claims would be massive, unquantifiable and inevitable". As such, claims Donner, the department was "reckless or negligent".
Lloyd's response to these and other alleged failings has been to reject the Donner report and on 6 September it said no independent inquiry would take place. Donner, it said, had "failed to produce any material to substantiate or support his allegations and theories" and had "misquoted or misconstrued…many of the documents".
Freshfields had interviewed the 1990 internal review committee of four "nominated members" and delivered a "comprehensive response" to each allegation.
Lloyd's also accepts that Freshfields "were not instructed to further review the work done by them, to second guess their conclusions, or to search for evidence not put forward".
Freshfields and Lloyd's are now scrutinising Memery Crystal's rebuttal of Freshfields' statement. In it, Memery Crystal criticised Freshfields' response to Donner as "selective and incomplete".
Memery Crystal also argues Freshfields does not answer Donner's underlying point, that the extent to which Lloyd's knew of asbestos losses and its alleged attempt to conceal this knowledge will only be revealed by an independent inquiry.
In its statement, Lloyds added that the submission by Donner referred to and relied on many sources as evidence of alleged wrongdoing.
"On analysis, however, none of these sources support the allegations which have been made and many of the documents have been either misconstrued or misquoted. Some documents simply do not support the assertions which are being made about them, while others are relied upon to support matters to which the document itself makes no reference whatsoever," it claimed.
It added that Freshfields had produced a "comprehensive response to each and every allegation in the submission".
And the statement added that press reports that the Council of Lloyds had decided that an inquiry into asbestosis was unnecessary were, in fact, incorrect.
Lloyds "remains willing to investigate fully any material which may be provided to it from any source. If the material warrants an inquiry or disciplinary action into alleged malpractice or improper conduct at Lloyd's, including matters relating to asbestosis, such action would follow," the statement said.


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Discussion in 'Introduce Yourself Here' started by yngwhtgrl, Dec 12, 2014.
20 yr old 5'1" 128lb thick butt and legs,wanting to try big bbc
Its nice to meet you!
Welcome to the community baby girl. Love to help make your Christmas a BBC Christmas! Where are you located?
Come to Los angeles and will please that tender body!
so have you had some white dick yet? once you get a BBC you will be spoiled
I bet you blonde butt is nice and tight and wiggle ...
Separate names with a comma.


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It wasn't long ago that most phishing emails were from a supposed Nigerian General Matumbi Mabumboo Watumboo. And you and I were flattered that we were the chosen ones to help the general transfer 35 million out of the country, because the Nigerian government was a bunch of jerks and wouldn't let him keep the inheritance his wife had inherited from her deceased uncle Bamboo.
I distinctly remember getting a Nigerian phishing email in 1994-ish, back when I had an AOL account, and actually calling my bank and asking them what their thoughts were and what I should do. I mean 10% of $35 million, which the scammer offered in exchange for my help transferring the funds, was quite a fee for nominal work. All I had to do was front 10 grand in a wire transfer to make it all happen. My bank thought my Nigerian general and I were both nuts, and really didn't know what I should do.
We didn't have a lot of data on 419 scams or affinity fraud back then, or at least we didn't have reliable access to that data, so I relied on what my mom told me early on: if it sounds too good to be true, it's probably isn't. So I deleted the email. Then I began to see more and more emails from others in the same quandary as the general.
Times have changed dramatically.
Today, with low cost delivery of email, billions of fraudulent emails are sent out every year. Any sales person knows it's a numbers game. With billions of emails, you'll eventually get someone to buy in.
Not too long ago, most spam emails came from a few legitimate servers. Once the government cracked down with the Can Spam Act, spam went underground. Most of today's phishing emails originate from botnets. But what hasn't changed much is the fraud victims' sophistication, or lack thereof. The scammers are smarter, but the victims, not so much.
While phishing emails keep pouring in, their methods are changing rapidly. Posing as a Nigerian prince is still common, but not as effective. Even posing as a known bank or Paypal, asking to update an account for various reasons and requesting a potential victim's user name and password is not as effective as it used to be.
Much of the phishing that occurs today is targeted "spear phishing," in which the spammers are after a localized target. Recently, the usernames and passwords for 700 Comcast customers were posted on a document-sharing website, possibly as a result of a phishing attack. A Comcast employee with access to this type of data could easily have been tricked by a phisher posing as Comcast's own IT staff, and foolishly released the customer information.
Going after a CEO is called "whaling." Who better to take down than the biggest phish of them all? Most corporate websites offer plenty of data on the company officers and administrative contacts, which makes it relatively easy to create a sucker list. If scammers send an email blast to the entire company, eventually someone is likely to cough up enough data to allow the scammers to tap into the company's intranet. Once the scammers have accessed the intranet, all further phishing emails will appear to be coming from a trusted, internal source.
Phishers even follow a similar editorial calendar as newspaper and magazine editors, coordinating their attacks around holidays and the change in seasons. They capitalize on significant events and natural disasters, such as Hurricane Katrina and most recently, swine flu. Since the swine flu outbreak, as much as 2% of all spamhas the words "swine flu" in the subject line. Numerous websites referencing swine flu in the address have also been registered.
Perhaps the most insidious type of phishing occurs when a recipient clicks a link, either in the body of an email or on the spoofed website linked in the email, and a download begins. That download is almost always a virus with a remote control component , which gives the phisher full access to the user's data, including usernames and passwords, credit cards details, banking and Social Security numbers. Often, that same virus makes the victim's PC part of a botnet.
How to avoid becoming a victim? Delete.
And of course update McAfee anti-virus and makes sure your PCs operating system has the latest critical security patches.
Robert Siciliano, identity theft speaker, discusses scam-baiters.
ROBERT SICILIANO, CEO of IDTheftSecurity.com is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds. His "tell it like it is" style is sought after by major media outlets, executives in the C-Suite of leading corporations, meeting planners, and community leaders to get the straight talk they need to stay safe in a world in which physical and virtual crime is commonplace. Siciliano is accessible, real, professional, and ready to weigh in and comment at a moment's notice on breaking news.
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Robert Siciliano Identity Theft Expert Hotmail, Earthlink, Google, Yahoo, Comcast and other web-based email users have been giving up al their login details to phishers and current estimates are as many as 1 million accounts may have been compromised. News of the scam broke when technology blog neowin.net reported an anonymous user had published confidential details on pastebin.com.
- Phisher Use Olympic Lottery Scams For Summer Games
Fishing, of course, is the sport of tossing a baited hook into the water and then patiently waiting for a fish to bite. Phishing is similar. The cybercrook sends out spam email and waits for a victim to take the bait. A phisher can send thousands of phishing emails a day, and eventually some people will
- Top 10 Identity Theft Scams
There are no shortage of ways identity thieves have to scam you out of your credit, cash and identity. Here are 10 more ways criminals pounce on their victims: Mailbox raiding. Moments after the postal carrier drops off your mail, a crackhead comes by and steals it. Dumpster diving. You know that mortgage company that you did
- Criminal Hackers Clean Out Bank Accounts Using Spear Phishing
Robert Siciliano Identity Theft Expert It wasn't long ago that most phishing emails were from a supposed Nigerian General Matumbi Mabumboo Watumboo. And you and I were flattered that we were the chosen ones to help the general transfer 35 million out of the country, because the Nigerian government was a bunch of jerks and wouldn't let
- Ode to the Nigerian Scammer
Most of us would never fall for a Nigerian email scam. The obvious "scammer grammar" and outlandish requests would tip us off, as would the supposed Nigerian origin of the message, since we're probably familiar with the typical claims about Nigerian royalty. So you might wonder why these scammers persist in such an obvious ruse,
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Identity Theft Expert Speaker Protection Prevention Resource Blog » Debit Cards at Risk for Identity Theft
[…] you have been living in a cave, you've probably received a phishing email at some point. Criminal hackers, assisted by teams of psychologists and sociologists, are designing […]
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"He trained well. I think he is available for the the game against Stoke, said the Italian".
Conte is now locked in contract talks with the Blues, and while he is expected to sign a new deal this summer, he is thought to have requested more of a say regarding transfers after two poor windows. But that will be put to one side as the Blues bid to open a 13-point gap at the top of the Premier League table, 24 hours before nearest challengers Spurs and Manchester City are in action.
Referring to Monday's game against United, he added: 'It's important to underline that I spoke about the situation, about Eden Hazard.
With the west London club in such good form, it may seem odd to look ahead to the summer transfer window and pick out some of the players Chelsea should be targeting. "I repeat I'm very happy to be Chelsea's coach". We have a target (to win the League and FA Cup) and it's important we concentrate on trying to reach that target.
Stoke are without Glen Johnson but welcome back Marko Arnautovic, Xherdan Shaqiri and Wilfried Bony.
He said: 'Hazard is a type of player who is very hard to stop.
Okla. State Senator Hit With Child Prostitution Charges
The messages, which were found on the teenager's Kindle Fire tablet, later led to the charges against the Oklahoma senator. Senate officials said Shortey will still receive his $38,400 annual salary as a senator and will be allowed to vote.
Trump budget goes big on border wall, short on agents
Funding for the government runs out in late April. "And so now Donald Trump wants the American taxpayers to pay for it". Building a wall - and having Mexico pay for it - was a regularly repeated campaign pledge of Trump's.
England are not done yet...we want to make history - Eddie Jones
England manager Eddie Jones has claimed that his side will not lose to Ireland when the two sides meet in Dublin on Saturday. Asked if Ireland's players will channel their energies into ending England's winning run, Furlong replied: "No".
Midfielder N'Golo Kante, who joined from Leicester City last year, has had a stellar debut campaign at Chelsea and is being touted to win the player of the year award.
Kick off is at 15:00 on 18 March 2017. Here's all the info you need about the ground.
"They play in a slightly different way than Manchester City do with three at the back, as opposed to four, so we will do a bit of work on that", he told reporters.
This match is not televised in the UK.
Chelsea have won 18 of their last 21 matches (Premier League).
KC area unemployment rose in January as metro-area job hunters increased
The number of initial claims for unemployment insurance, a measure of new layoffs, rose by 5,801, or 151.7 percent, to 9.624. The number of unemployed increased by 797 to 4,500, while the number of employed individuals increased by 387 to 58,856.
CHELTENHAM RACING TIPS: Bank on River for Gold Cup glory
She added: "I've never had a runner in the race before so to train the victor - I don't know when I'll come down to earth". Grade One victor as a novice at Kempton last season, when Native River was third.
Fans Flock to Theatre To Watch Beauty & The Beast
Alan Menken, who wrote the original songs with Howard Ashman, provided the score and wrote three new songs with Tim Rice. But with Beauty and the Beast coming out today, it seems kids prefer another princess.
Guardiola to stay on the attack for Liverpool test
Atletico Madrid won the first leg 4-2 away to Bayer Leverkusen, so their passage to the quarter-finals was never really in doubt. Bottom club City produced spirited resistance but Rush finished them off after a length-of-the-pitch counter-attack.
Emily Blunt to star with husband for first time
But both loved the script for A Quiet Place so much, they made a decision to go ahead and make it together . Paramount and Platinum Dunes are handling production, and Michael Bay is among the producers.
Secretary of State Tillerson used e-mail alias as Exxon CEO
Use of the email alias was seized upon by environmentalists on Tuesday, who said it revealed a pattern of deception. New York Attorney General Eric Schneiderman says that while U.S.
Penn West Petroleum Ltd (PWE) Upgraded to Buy at TD Securities
Movements above 70 are interpreted as indicating overbought conditions; conversely moves underneath 30 notify oversold conditions. The stock stands almost $2.01 off versus the 52-week high of $7.3 and $1.59 above the 52-week low of $3.7.
Trump sending massive USA attack force to OBLITERATE ISIS terror capital Raqqa
Turkey has declared the YPG a terrorist organization and considers it to be linked to its own home-grown Kurdish insurgency. SDF fighters have been on the offensive in the Raqqa area since November and have closed major supply roads used by IS.
UCL Match Report: Monaco v Manchester City 15 March 2017
Tiemoue Bakayoko scored the deciding goal 13 minutes from time with a delicious header, beating Willy Caballero at the front post. We have to admit that the German side didn't have any luck because they had several situations where they missed.
Post-Fed trades fade as United States stocks, bonds retreat
The dollar fell 0.5 percent against a basket of key currencies, adding to Wednesday's steep slide after the Fed's decision. Gold futures was up 2% at $1225 per ounce, before Federal Reserve's statement was announced on Wednesday.
Review of EPA fuel standards sets up battle with California
President Trump will sign an order Wednesday to formally evaluate the Obama administration's landmark greenhouse gas emissions standards for cars.
Tillerson shuns all but conservative website on Asia tour
Last week, the State Department officially offered McPike an opportunity to cover the secretary's upcoming trip to Asia. Either circumstances will remain the same, and the press will still have limited access to Tillerson when he travels.
Moises Henriques hopeful Pat Cummins is ready for Test return in India
I'm not going to hold a banner saying "don't speak ill about me". "Criticism or praise are totally detached from me". However Kohli don't believe pitch to be the sole reason for such low totals and dearth of big innings.
Worst Year Yet For Children In Syria's Civil War
After six years of war, almost six million children now depend on humanitarian assistance, a twelve-fold increase from 2012. UNICEF noted that it can not assess the "full scale of children's suffering" due to limited access to parts of Syria.
Russian security officers charged in Yahoo hack
They allegedly targeted Yahoo accounts of Russian and USA government officials, as well as Russian journalists. Belan escaped arrest in Europe by fleeing to Russian Federation before he could extradited, the report says.


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It's almost 2013! I've got tons of stuff in the works tor this new year. I tried so hard to make this my 200th post for the year but my t-shirt shop wouldn't let me, so it's post number 194:)
I am looking for someone to possibly collaborate with on a new header for concept vehicles and possibly concept robots as well. It will be fully credited to the artist and will be kept up for an entire year. I've got some ideas on some simple loops we could make with new or existing art. Hit me up.
Thanks for supporting my ongoing concept art gallery experiment! I am really trying to make a header #100 with this blog. Please help me get there! Also, let's connect on LinkedIN! Look for a new header January 1st and let's have a productive 2013!
Check out this amazing animated Flash loop done by Andrey Pervukhin and Angel Alonso for the new concept tanks header. Super nice! Thanks guys!
Keywords: quarterly rant on concept ships post number 901 nine hundred and one collaboration animated flash loop animation composite project between Andrey Pervukhin Angel Alonso and Igor Tkac header graphic for concept tanks blogazine
Sunday, December 30, 2012
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KTD speaker selected
WORTHINGTON -- Over the more than 70 years since its founding, King Turkey Day has served as a stage for an impressive list of speakers, including presidents to be, ambassadors, governors and military generals.
In recent years, however, the focus has been less political, and in keeping with that trend, the King Turkey Day Board of Directors has chosen a television personality with local roots to address the crowd.
Liz Collin, a reporter-anchor with WCCO-TV in the Twin Cities, will take the podium at 1 p.m. September 17 as the featured speaker for King Turkey Day 2011.
"She's a hometown girl, and we're all very proud of what she's accomplished," said KTD President Pete Suby. "We think she will make a great addition to our list of featured speakers."
Collin, the daughter of Bill and Jane Collin of Worthington, is a 2000 graduate of Worthington High School. Her first job in the news business was at age 15, working at Worthington's KWOA radio station.
She furthered her education in the broadcast program at the Art Institute in Fort Lauderdale, Fla.
Collin's first on-air job was at KDLT in Sioux Falls, S.D., where she spent two years and helped to launch the station's morning show. She further honed her reporting and anchor skills at stations in Wichita, Kan., and Harrisburg, Pa., before landing the post at WCCO, which is in the 15th-rated TV market in the nation.
In addition to reporting on a wide variety of stories that impact Minnesotans and regularly taking a seat at the WCCO anchor desk, Collin has reported live for the "CBS Evening News" and "The Early Show."
"I've loved being able to be back home in Minnesota these last few years and work at WCCO," said Collin. "I've heard from a lot of folks with Worthington ties since I started, and I'd say they are the best in the state. The support has been so nice."
Although she has a face and voice that is familiar to people all across the Upper Midwest, Collin admits that she was initially a bit overwhelmed by the invitation to speak at King Turkey Day.
"At first I thought it was just politicians who would take the podium, so I'm still thinking about which office I will announce my candidacy for," she joked.
But Collin is already putting her thoughts together about what she wants to tell the hometown crowd on Sept. 17.
"I've been working on my speech, and I look forward to sharing a few stories about growing up and my work as a television reporter," she shared. "I couldn't be from a better place."
Following her speech, Collin will serve as an official for the first heat of the Great Gobbler Gallop, with Worthington's racing turkey Paycheck taking on Ruby Begonia from Cuero, Texas, in the 38th running of the annual race to determine which city can claim to be Turkey Capital of the World.
According to Collin's WCCO bio, she and husband Joe live in Minneapolis with their Westie, Andy.


text: What if someone took the initiative to make new home ownership much easier? More affordable? Less paperwork? Better home loan options: even if you've only got a small deposit? Faster? Easier to understand? Basically, just less hassle all round? A plan to make it easier for more Australians to realise their dream of building their own home. A home to love and cherish for years. Sounds good, right? Well, someone did. We did. Metricon, Australia's leading home builder, brings you HomeSolution - "The Australian Home Ownership Initiative". We make buying your own home and land package easy. So you can stop renting and start living! Browse our HomeSolution Home Designs and Home and Land Packages. Download PDF


text: andybazooka 130 Report post Posted September 1, 2014 (edited) Greetings people, I would like to share some exciting news with you all that a demo for our Contra-like game, Super Untitled Game, just got released! Check out our first gameplay video here. We are super excited to see what people think so give our demo a try and give us your brutally honest feedback! Super Untitled Game has changed shape. The fighter has become a soldier of the future. The setting is now a grim future in the year 2017, where alien invaders have laid waste to our planet and our population is decreasing rapidly. The invaders steal our dead and mutate them into synthetic beings who will stop at nothing to eliminate us all. But all is not lost! Through advanced AI and robotics, combined with the minds of the worlds bravest soldiers, scientists have created a new breed of warriors; the VIKINGs. These titanium warriors are the worlds last hope, their strength, speed and willpower will all be put to the test. Will you face the challenge and save humanity? Do you like our demo? Support us by visiting our IndieDB page and leave a review or comment! Edited September 2, 2014 by andybazooka 0 Share this post Link to post Share on other sites


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- Joanna Glade on validation
- María Fdez de Prada on do you need a digital sabbath? (published at youthspecialties.com)
- andrew burden on shuffle challenge, day 3
- Anonymous on back in the saddle
- Anonymous on back in the saddle
Tag Archives: respect
Posted on 02.18.2010 by andrew burden
What do you do with the kid who's different? The boy who wears eye makeup and has black fingernails, the girl who goes through five shades of hair color every two weeks, the bookworm amidst athletic kids, the student who … Continue reading →


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The London Sangerstevne: London Sangerstevne 2017 - Concert 2 at Cadogan Hall
A selection of youth and adult choirs perform in this international choir festival. Appearing in this concert are Kings Langley Community Choir (Herts, England), Klaipeda Vyduno Children's Choir (Lithuania), Lloyd's Choir (London, England), London Humanist Choir (London, England), Music'All 'Pret A Chanter' (London, England), Roane State Celebration Singers (Tennessee USA) and RockavoX (Norfolk, England).
Venue Details & Map
Cadogan Hall
- Address
Cadogan Hall
5 Sloane TerraceLondonSW1X 9DQ
- Telephone:
- +44 (0)20 7730 4500
- Public transport:
- Sloane Square


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"Don't carry a grudge. While you're carrying a grudge, the other guy's out dancing."
– Buddy Hackett
I really enjoyed painting this one. I rarely work in Acrylics, but I am planning a Lake Eufaula series, for a Eufaula Area Arts Council show at the Main Street Gallery. It's a members only show and I think a series like this will be a fun one to do.


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Excellent laptop with nice look and amazing features. Completely satisfied with this product.Read More
Bought from an asus showroom. The laptop has stunning looks and a great keyboard and touchpad the finishing is really good. The laptop has a 2 cell battery which I was confused at first but theRead More
Awesome productRead More
Hello friends here is the answer for RAM spec for people who had confusion regarding RAM.
The A555LF doesn't have a removable battery but you do get an access panel for swapping out the RAM.
This turned out to be great purchase. I3, 8gb Ram, sleek built, 2 g b Graphics. And built in win 10, with some free goodies, is a excellent package, . Should go long way as an overall
Best at this price... I bought it for 37,000...Only problem there is no light in the button's and the quality of button's is Ok...Read More
Awesome laptop. Go for it.this laptop is very good for hard gameing like GTA 5,call of duty,far cry 3,watch dogs 2 and many other high graphic games.I play this games on this laptop daily and the bestRead More
Not much expensive, good feature special the ram . overai for a student......Read More
Excellent budget laptop.I bought this laptop from an ASUS showroom.It cost me the same.
Design-10/10(Slim light laptop)
Touchpad-8/10(Sometimes it does not
Wonderful laptop go for it....Read More


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Polish Foreign Minister Witold Waszczykowski met General Michael Flynn, chosen by US President-elect Donald Trump as his national security adviser, in New York on January 10.
As reported by Radio Poland online, Waszczykowski said he received assurance that possible closer ties between Washington and Moscow will not be forged at Warsaw's expense. He also said the new US administration treats Poland as a loyal ally.
During his visit to New York, Waszczykowski also met political veteran Henry Kissinger, an informal adviser to Trump on international affairs.
"They treat us as a reliable ally, as a country which spends appropriate sums on defence and also serves the interests of the United States," said Waszczykowski.
He also said he was confident that the new US administration will respect the decisions of a Nato Warsaw summit in July, when the military alliance decided to bolster its eastern flank. Nato decided (amid fears of Russian aggression) to deploy four rotating multinational battalions of some 1,000 soldiers each to the military alliance's eastern borders, including Poland.