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A joint investigation by iWatch News and CBS News
A deputy sheriff in Olathe, Kan., ticketed race car driver Scott Tucker late one night in October 2008 after clocking Tucker's Mercedes-Benz CLS63 going 86 mph in a stretch of Interstate 35 posted at 60 mph.
Two days later, Tucker's wife, brother and sister-in-law as well as several businesses with ties to the payday loan mogul suddenly donated a total of $4,000 to the campaign of a candidate for local district attorney — the office that prosecutes traffic tickets.
Among the businesses that donated $1,000 to the campaign were two payday loan companies that the Miami Tribe of Oklahoma claims to own.
Weeks later, the ticket was reduced to improper parking, to the surprise of the deputy who ticketed Tucker. The change kept Tucker's driving record clean.
Whether or not the contributions played a role in ticket being reduced, the episode shows a strange commingling of the interests of Tucker and the Indian tribe. Regulators in Colorado and California are investigating whether Tucker is merely using the tribes to circumvent state laws.
Tucker started a controversial online payday lending business that several states have tried to shut down. Tucker now says Indian tribes own the business and he is just an employee. That arrangement gives the payday lending business the cloak of sovereign immunity and has stymied the efforts of state regulators to stop the company from making illegal loans in their states.
Yet an iWatch News investigation found that Tucker is living the life of luxury and spending a fortune on his racing hobby, while the tribes may only be getting a small piece of the revenue from the business.
The tactic of affiliating with Indian tribes has been widely copied among online payday lenders, frustrating state regulators and drawing the condemnation of payday lending's storefront brethren.
Storefront lenders generally don't do business in 18 states that restrict payday lending. And those that have ventured into the online market usually get licensed and obey state laws, said Jean Ann Fox of the nonprofit Consumer Federation of America.
The head of the payday lending trade group Community Financial Services Association of America, D. Lynn DeVault, said that using tribes to avoid state laws violates the association's standards "and would lead to the automatic expulsion of a company in violation."
Critics call the tactic "rent-a-tribe."
Tucker acknowledged Friday for the first time that he works for AMG Services, the paydaylending business that the Miami Tribe of Oklahoma says it owns and operates. He says a confidentiality agreement prevents him from talking about it.
The chief of the Miami tribe, Thomas E. Gamble, defended the business, saying the tribe owns and operates it. Gamble says the business obeys tribal and federal laws but he didn't say whether it obeys state laws. At least five states have tried through legal proceedings to shut down the business for violating state laws. Several other states have either instructed the business to stop making loans or warned consumers about it.
Tucker, who lives in the upscale Kansas City suburb of Leawood, told a judge that he no longer controls the payday lending business. But iWatch News found evidence in court and public records that Tucker still pulls the strings on the business he founded. The evidence includes:
Among the companies that gave $500 campaign donations to the prosecutor on the same day as several of Tucker's relatives were two tribal businesses, AMG Services and MNE Services.
AMG Services operates out of an office complex in Overland Park, the same office that Tucker lists as his own in Securities and Exchange Commission filings. AMG Services pays the property tax on Tucker's $8 million vacation retreat in Aspen, Colo., according to county records.
One of AMG Services biggest vendors said in a lawsuit that Scott Tucker in 2009 was the owner and chief officer of AMG Services.
Most revealing of all, bank records show Tucker and his brother Blaine were the only the two people able to sign for four payday lending businesses of one tribe. The tribes may only receive a sliver of the revenue from the payday lending business.
Rags to riches story Scott Tucker's life is both a rags-to-riches and get-rich-quick story. He grew up in the Kansas City area, graduating from a Jesuit high school and attending Kansas State University for two years, where he studied business administration. Tucker has a criminal past. In April 1988, at the age of 26, he borrowed $50,000 from American Bank of Kansas City, offering a new Porsche as collateral. Court records show that Tucker lied on the application; he had sold the sports car months earlier.
A year later, Tucker wrote a bad check for $1,200 to a moving company hired to transfer two loads of used furniture for a business, according to court records.
In the meantime, Tucker participated in a bogus loan scheme to bilk money out of businesses, court records reveal. While a partner in Oregon ran newspaper and magazine ads throughout the country offering commercial loans, Tucker posed as the president of a seemingly high-powered investment bank in Overland Park called Chase, Morgan, Stearns & Lloyd. The operation was a fraud, collecting more than $100,000 in "advance fees" from at least 15 borrowers without providing any loans.
Tucker ultimately pleaded guilty in federal court to two felony charges of mail fraud and making a false statement to a bank. A Missouri state judge found him guilty of a felony charge of passing a bad check. He was sentenced for all three crimes to serve a year in Leavenworth federal penitentiary, followed by three years of probation. He got out of prison on June 8, 1992.
Then Tucker went into the short-term lending business. In 1997, he met Philadelphia businessman Charles Hallinan, who offered the following account in a lawsuit he would eventually bring against Tucker.
Hallinan was already in the payday lending business. The two hit it off. Hallinan viewed Tucker as a protégé and decided to bankroll another payday lending company with him, making Tucker president of the company and letting him run it from Overland Park. Tucker agreed in writing not to open any competing businesses.
On Sept. 19, 1997, Hallinan agreed to loan Tucker $500,000. Tucker signed the revolving loan note.
A month later, Tucker filed for Chapter 7 bankruptcy. In the bankruptcy records, Tucker did not disclose his new business as president of a payday lending company. Tucker listed a total debt of $583,000, including more than $220,000 owed to the IRS.
The court cleared Tucker of his debts. Though Tucker had promised Hallinan he would not open any competing businesses, Tucker started a new company in 2001 called CLK Management, listing himself as the owner. Soon, Tucker was setting up dummy companies in Carson City, Nev., using them as mail drops for payday lenders he called Cash Advance, Preferred Cash Loans and UnitedCashLoans.
Starting in 2004, Tucker registered new trade names for payday lenders, including AmeriIoan, UnitedCashLoans, US FastCash, 500Fastcash and OneClickCash. Court documents show that by 2005, Tucker had teamed up with Indian tribes, continuing to run the payday lenders out of Overland Park.
CLK Management was becoming a major business. By 2006, it took up two floors of an office complex in Overland Park, and eventually employed as many as 400 workers, according to former employees and court records. One of its web sites claimed that it was making thousands of loans each day.
One former employee who worked there at the time swore in a court statement that the business was using addresses on tribal land for "protection." William James said no one was allowed to reveal where the company was actually located and that his boss once said, "They don't touch us on Indian reservations."
Borrowers complained to state regulators about the loans' high interest rates and the lenders' aggressive collection tactics. Regulators in California suffered a major setback when an appeals court ruled that because of the tribal affiliation, the lenders had sovereign immunity. With the corporate shell games and the tribes' involvement, states were finding it difficult to even prove who was doing the lending.
Some companies locate off shore to try to hide from authorities. With scant effort, Tucker was able to hide CLK Management at an office park in suburban Kansas City.
Colorado AG's seven-year chase The Colorado attorney general, John Suthers, had been trying to stop Tucker's lending businesses since 2004. At first, consumers complained about a lender called Cash Advance based in Carson City. But in a surprise move, two Indian tribes—the Miami and Santee Sioux—appeared in court to claim that they were the true owners of the payday lenders. The tribes said the lending business had no connection to Carson City, though there is irrefutable evidence that Tucker set up those shell companies.
By the end of 2007, the investigation in Colorado was continuing to unfold, where complaints about new online payday lenders poured in. Investigators suspected Tucker was behind these new lenders. The Colorado attorney general subpoenaed CLK Management and Tucker.
CLK's lawyer responded with defiance. He argued derisively that Colorado's subpoenas had no power in the state of Kansas.
"I can only conclude in your zeal to pursue CLK you believe there are no limitations on your power," CLK lawyer Thomas Bath wrote back. "We will continue to ignore subpoenas and orders improperly and unlawfully obtained."
The attorney general wasn't giving up. In March 2008, his office asked a Denver judge to cite Tucker for contempt of court. Tucker himself didn't respond in court, but oddly attorneys for the tribes did. This puzzled Denver District Judge Morris Hoffman because the tribes had never mentioned any connection to Tucker or anyone else.
"Are you representing Mr. Tucker?" Hoffman asked tribal attorney Conly Schulte.
"No, your honor," Schulte replied.
"Is Mr. Tucker part of the tribal entities, or connected to them in any way?" the judge asked.
Schulte stumbled a bit for words, arguing that because any questions challenged the tribes' sovereign immunity, "I feel obligated to my client to respectfully decline to answer that."
Hoffman cited Tucker for contempt and two months later ordered a warrant for Tucker's arrest. In the meantime, the tribes finally acknowledged in a court filing, without ever elaborating on the details, that they had a relationship with CLK.
Because Tucker was cited on a civil—not criminal—contempt charge, he can only be arrested if he sets foot in Colorado. Three weeks later, he did just that. Tucker, who by now was starting his racing career, set a track record in a Ferrari 360 at the La Junta Raceway in Colorado.
The state, not paying attention to Tucker's racing schedule, missed its chance to arrest him.
With CLK Management now in Colorado's crosshairs, Tucker would make the situation even more confusing. He filed corporate papers in Kansas claiming that CLK no longer existed, that it had merged with a new company owned by the Indian tribes. The new company was called AMG Services. Tucker said he had no control over the company's books.
Based on Tucker's word alone, a Kansas judge ruled that CLK merged with AMG on June 24, 2008. The target of Colorado's investigation—first Cash Advance, then CLK Management—kept moving.
Partner turns on Tucker By then, state authorities were not the only ones accusing Tucker of breaking the law. His own business partner, the man who had bankrolled him, accused Tucker of being a thief.
Charles Hallinan had put up the cash for Tucker to run the payday lending business. For years, Tucker had called Hallinan each Saturday at his home in Boca Raton, Fla., to give an update on their company called National Money Service.
According to a lawsuit Hallinan later filed in Las Vegas, Tucker acknowledged to Hallinan that he had created a new company in Overland Park called CLK Management and that Indian tribes were involved. But Hallinan said Tucker led him to believe that CLK Management was just part of their company and that, in truth, they still owned the payday lending business.
By 2006, the weekly calls were replaced by sporadic emails. Hallinan had become suspicious and sent an accountant in May 2008 to look at the books of their company. According to Hallinan's lawsuit, the accountant discovered the company "had essentially been ransacked and substantially all of its assets, cash and profits diverted."
Hallinan accused Tucker of stealing the business by moving everything over to CLK Management. Now, it looked as though Tucker might be moving the business again to a new company, Hallinan alleged.
The lawsuit revealed interesting details about Tucker's relationship with the tribes. Hallinan alleged that Tucker held "significant influence" over the Indian tribes. He released a letter from Tucker that showed that on July 31, 2008, Tucker had completed new "management" and "power of attorney" agreements with the tribes.
What's more, Tucker's letter revealed a proposal, as part of a settlement, to share with Hallinan all money from the tribal accounts after an undisclosed amount was paid to the tribes. The lawsuit was settled.
Two companies working for the Modoc tribe recently revealed what the tribe gets paid from the payday lending business. Answering questions in a class-action lawsuit from borrowers in California, the companies said the tribe received between 1 percent and 2 percent of revenues from the loans, even though borrowers pay nearly 800 percent in interest.
But no one from the tribe is even able to sign for several of the tribe's bank accounts used for payday lending. In the same suit, US Bank disclosed the only two people able to sign checks on four tribal accounts were Scott Tucker and his brother Blaine Tucker. Scott Tucker identifies himself on the accounts as the "treasurer" of the Modoc tribe's corporation. An attorney for the tribe said recently that Tucker is no longer the company's treasurer.
The Miami and Santee Sioux tribes are still fighting in a separate class-action lawsuit to keep their financial details secret.
Tucker's biggest break came from the Colorado Supreme Court last November. The court made it easy for anyone to conspire with an Indian tribe to break state law.
The justices may have had no idea who Scott Tucker was. His name never came up during the hearing. One of the justices asked what the tribes' connection was to Cash Advance of Carson City, Nev., the name and address given on the original loan documents. But the tribes' attorney, Conly Schulte, said the confusion was a case of mistaken identity.
"We submit that there is no connection other than the fact that the Nevada corporations used the same unregistered trade names," Schulte told the justices. "Quite frankly, the name 'Cash Advance' is quite common in this industry."
The attorney for Colorado knew that there was a connection. It was Scott Tucker, who had at first made the loans through a shell company in Carson City to hide his ownership. When that didn't work, he cut a deal with the tribes. The lawyer from the attorney general's office didn't mention Tucker in court because his role wasn't yet identified in the court record.
At the hearing, the justices described their feelings of being hemmed in by federal law. On Nov. 30, the court announced its decision. The court put the burden on the state to prove whether a business claiming to be an arm of a tribe was lying. State attorneys general read the ruling as a major defeat.
In a partial lone dissent, Justice Nathan Coats argued that the decision opens the door for "criminally unscrupulous predators, especially in the current technological environment," and makes it "virtually impossible for the state to protect its own citizens against even the most blatant acts of fraud."
Despite the Colorado Supreme Court ruling, the attorney general there is still trying to shut down Tucker's operation in his state. And it found new evidence from a lawsuit filed in Las Vegas.
Though Tucker says he has no control over AMG Services, Tucker went to a company that sells leads to online payday lenders in the summer of 2009 and complained that someone was stealing AMG Services' leads. The owner of the lead company identified Tucker in a lawsuit as the owner and chief officer of AMG Services. In 2008, AMG Services paid the vender $80 million for its leads.
Colorado is continuing to investigate Tucker. While the tribes can claim sovereign immunity, Tucker himself cannot. Since 2008, the state of Colorado has been trying to enforce a subpoena ordering Tucker to appear in a Denver court.
The biggest obstacle has been a local judge in Kansas. Tucker went to Johnson County District Judge Charles Droege to block Colorado's subpoena. The judge agreed to do it without even asking the Colorado attorney general for a response.
But when the attorney general showed up in Droege's court, the judge changed his mind. He would enforce the subpoena, but only after giving Tucker six months to go to Denver and resolve the matter in court there. Tucker chose not to go to the Denver court, which had already cited him for contempt and issued an arrest warrant.
After the six months were up, Tucker's attorneys continued to plead with Droege that Colorado's subpoena had no power in Kansas. In a stunning reversal of his earlier reversal, Droege agreed and ruled that the attorney general of Colorado had no jurisdiction to issue a subpoena in Kansas. He ordered Colorado to stop trying to enforce the subpoena or to take any action that would cause any "further annoyance, embarrassment, oppression or undue burden" on Tucker.
The judge also blocked an order by the Denver judge that instructs Tucker to stop making loans in Colorado.
States band together Colorado appealed the decision. Last month the attorneys general of 22 states, led by Kansas, filed a brief in the Kansas appeals court blasting Droege's decision. They pointed out that the U.S. Constitution requires states to honor the laws and court decisions of every other state.
The states argued that unless Droege's decision is overturned, "Businesses will be able to commit unlawful acts in [other states] with impunity, as long as all condemning evidence is kept elsewhere.'' That, the brief said, "renders states incapable of enforcing laws meant to protect their citizens."
Tucker's story exposes a myriad of challenges for state regulators and the courts in trying to enforce laws against companies operating over the Internet and hiding behind shell companies.
The simple act of setting up shell companies can delay enforcement actions for months. And merely changing a company's name can make settlement agreements or court orders moot.
Kansas was the first state to go after Scott Tucker. But Danny Vopat, the lead attorney in the case for the Kansas Bank Commissioner, says he never knew that Tucker, living and working in the same state, was actually behind the payday lenders he battled for more than two years. Vopat settled with one of Tucker's shell companies in Nevada, a shell that no longer exists. Tucker quickly abandoned the trade name Cash Advance. For those reasons, Vopat says it's unclear that Tucker would violate the settlement agreement if he started lending in Kansas again.
Now with the tribal immunity shield, some states say they don't have the resources or legal expertise to fight people like Tucker. Deborah Bortner of the Washington Department of Financial Institutions said she consulted with attorneys about tribal payday lenders, who told her "we really don't have a leg to stand on."
There is hope of federal action. Tribal immunity cannot stop federal regulators, who have the right to investigate and take action against tribes. And in the financial reform act passed last year, Congress gave the new Consumer Financial Protection Bureau the explicit power to regulate payday loans.
Without a confirmed director, the new consumer agency is limited in its powers. Still, the agency is expected to make oversight of payday loans a top priority. Consumer lawyers who've talked to the bureau officials say that the agency is especially concerned about lenders who flout the law, including payday lenders who claim to be affiliated with tribes.
The bureau can't enforce state laws. But it can subpoena tribal records and then share those documents with state regulators.
Yet industry analysts say that Indian tribes are now clamoring to get involved in payday lending. Frank Cotton, an industry analyst in Atlanta, estimates at least 30 payday lenders are affiliated with Indian tribes. He said the number may even be as high as 60.
Meanwhile, Tucker has a heavy schedule of racing ahead. He recently made the unusual and costly decision to switch in mid-season to a new custom-built vehicle for the Le Mans series.
His publicity machine continues to promote Tucker as the next superstar of the racing world, recently describing him as "a real-life action figure [who] can be found working his magic at racetracks all over the world."
"With all of his recent success, fans of the three-time champion may have a hard time picturing Tucker in anything other than a driver's suit, but he was a successful businessman long before he was a race car driver," Tucker's publicist said in a press release in July. "Give that man a cape."
CORRECTION: The original story incorrectly quoted Frank Cotton about estimates of tribal/payday connections. The sentence now reads, "Frank Cotton, an industry analyst in Atlanta, estimates at least 30 payday lenders are affiliated with Indian tribes. He said the number may even be as high as 60."
Payday lending bankrolls auto racer's fortune
A joint investigation of iWatch News and CBS News
Scott Tucker used stealth to become a millionaire. Now the mysterious businessman from Kansas is spending his fortune to become a famous auto racer.
Though Tucker has not won any premier races outright, his publicity machine already compares him to NASCAR superstar Jimmie Johnson. It produced a slick documentary of his team's third-place finish at a Daytona race which played at film festivals and aired on the Discovery Channel. A glowing Wall Street Journal profile last year dubbed Tucker as "Racing's One-in-a-Million Story."
Tucker competes mostly in a special class for wealthy owners, taking turns behind the wheel with hired professional drivers. But he burst through obscurity last year to become – at age 48 – rookie of the year in endurance racing's American Le Mans Series.
Tucker's quest for fame in sports contrasts sharply with his secrecy in business. He describes himself simply as the CEO of Westfund, which is a fledgling private-equity firm with no visible marketing and a mail drop as a corporate office.
What Tucker doesn't publicize: he is an ex-convict who runs a controversial business that regulators in at least five states have tried to shut down for violating their laws. Hiding behind a labyrinth of shell companies and operating from the ether of the Internet, Tucker's businesses make payday loans over the Web even in states where they are outlawed. He offers quick cash to people desperate enough to borrow money from a faceless Web site, even signing over access to their bank account to total strangers. And he charges nearly 800 percent interest on loans that take months to pay off.
iWatch News found that some of Tucker's tactics are common among businesses operating on the fringes of the law. By setting up a confusing array of shell companies and selling over the Internet, businesses are often able to frustrate state investigators trying to figure out simply who's who.
But Tucker's most innovative tactic has given businesses a new, powerful tool for eluding state authorities. The tactic has survived major court challenges, but the practice is so questionable that even storefront payday lenders – hardly known as paragons of business probity – denounce it as unethical.
Tucker has partnered with a number of small Indian tribes to provide his payday lending business with the cloak of tribal sovereign immunity. Under federal law, tribes are equal to states as sovereign powers. So they are immune from being sued in state court.
Tucker says his payday lending businesses are now owned by the Miami and Modoc tribes of Oklahoma as well as the Santee Sioux of Nebraska. However, iWatch News found evidence in court and public records showing that Tucker secretly runs the payday lending business from his offices in Overland Park, Kan.
Lawyers in the Colorado attorney general's office described Tucker's tactics as a "web of deceit." Others refer to it as "rent-a-tribe."
In a written statement Friday, the chief of the Miami tribe, Tom Gamble, said the payday lending business was "100 percent tribally owned and operated." For the first time, he acknowledged Tucker is an employee of the tribe's payday lending business but did not elaborate on his role. The Modoc and Santee Sioux declined to comment.
Tucker himself said, "Due to a confidentiality agreement, I am not permitted to discuss the business of my employer."
Tucker has eluded the grasp of several state authorities. Colorado Attorney General John Suthers has been trying to stop Tucker for seven years. He convinced a Denver judge to order Tucker and his company to stop making payday loans in Colorado. He even has a warrant for Tucker's arrest for violating a court order. Yet Tucker is so contemptuous of the warrant that, after it was issued, he bought an $8 million vacation home in Aspen, Colo., through a limited partnership in his wife's name, and he now flies to Colorado undetected on his private Learjet that retails for $13 million.
The contrast between Tucker's lifestyle and those of the tribes that claim to own the lucrative business is stark.
Tucker flashes his wealth on the race track. He is reported to have a fleet of 15 race cars, including custom-built prototypes that can cost more than $500,000. He employs a team that includes accomplished drivers, among them the 1993 Le Mans winner Christophe Bouchut of France. He travels constantly, even shipping his cars overseas for races. In France last June, his team finished tenth in the grueling and legendary 24 Hours of Le Mans.
Meanwhile, the Miami tribe, whose business offices adjoin farm land and rundown properties, cautioned its members last year that it was struggling through tough financial times after losing partial ownership of a casino in a small Oklahoma town. The tribe won't talk about the presumably lucrative payday lending business it claims to have owned since at least 2005. But the chief said in the tribal newsletter last year that hard times were forcing the tribe to consider layoffs and other budget cutting measures.
The Miami and Santee Sioux tribes have tried to obscure their connection to Tucker in court despite an irrefutable paper trail. Despite this effort, the Colorado Supreme Court last November handed the tribes and Tucker's businesses a major victory. The court ruled that businesses claiming to be part of a tribe have sovereign immunity, too. That protection even covers business done off the reservation.
The justices also ruled that the state has to prove a business is not an arm of an Indian tribe before it can take court action or issue subpoenas. That puts authorities in a Catch 22 – having to prove a company is lying without the power to compel the company to answer questions.
Tangled web frustrates states Some states have given up trying to stop illegal online payday lenders claiming tribal affiliations. Regulators in Washington state and North Carolina concluded that the effort would be too costly and difficult. Yet industry analysts say Indian tribes are now clamoring to get involved in payday lending. Frank Cotton, an industry analyst in Atlanta, estimates at least 30 payday lenders and possibly double that number are affiliated with Indian tribes.
Still, states are banding together against Tucker in one court battle. In 2009, Tucker's lawyers convinced a local Kansas judge to block Colorado court orders, arguing that Colorado courts have no power in Kansas. But last July, attorneys general from 22 states joined forces to argue in a Kansas appeals court that unless it reverses this judge's decision, any culprit could violate a state's consumer laws simply by operating out of another state.
Meanwhile, the business of online payday lending is sizzling. In 2010, revenue was up 32 percent, with online payday lenders making $10.8 billion in loans in the United States, according to Stephens Inc., an investment firm that tracks the industry. That equates to more than 30 million loans, with Stephens estimating that the loans racked up interest and fees of $2.7 billion. In contrast, revenues for storefront payday lenders are fizzling.
Tucker's operations are likely only a sliver of that business. While exact figures on how much his operations make are unavailable, one court document revealed that Tucker's business paid $80 million in 2008 just for sales leads. That suggests he could be making millions of online payday loans a year.
Many of Tucker's borrowers complain about being harassed. Melissa Rush of Vancouver, Wash., tears up about the never-ending phone calls from online payday lenders to her cell phone, her friends and her co-workers.
In January 2009, the former mortgage loan officer borrowed $300 from US FastCash, one of Tucker's brands. She couldn't keep up with the payments, which totaled $1,200, and ended up borrowing more to try to pay off existing loans. That only buried her deeper.
Now the calls are constant. In fact, US FastCash called while an iWatch News reporter interviewed her. As a reporter listened in, Rush asked 31 times for the company's address. She wanted to write a letter telling them to stop calling her. After repeatedly ignoring her request, the debt collector finally said he didn't have to give her an address.
Rush, who ironically is a debt collector herself, has researched the company but says she can't figure out who's really behind it. She had never heard of Scott Tucker.
The Miami tribe's chief acknowledged that there are complaints from borrowers who don't pay off their loans. But he defended the business, saying that it "provides a vital service to many Americans who would otherwise be without access to short-term financial assistance. For many of our customers, the alternative to an online loan would be, at best, simply to write a bad check, or, at worst, the prospect of bankruptcy and the loss of their home, or worse yet, pressure toward more desperate and unproductive behaviors."
In the past five years, the Better Business Bureau of eastern Oklahoma has received more than 2,000 complaints about payday lenders tied to Tucker and the tribes. The bureau's chief officer, Rick Brinkley, has gone to the tribes' offices to investigate without any success.
"Most people think that loan sharking is illegal," said Brinkley, who is also a Republican state senator in Oklahoma. "The reality is that in this particular case if you can become affiliated with a tribe and be able to avert local and state laws then, in my opinion, apparently loan sharking is legal."
The beginning of the legal fight An epic legal saga in Colorado began on Nov. 3, 2004, when a woman sent two brief letters complaining to the attorney general.
Desperate for cash, the woman had found a pair of payday lenders online willing to deposit a total of $550 directly into her bank account. What she hadn't given much thought to, or didn't understand, was that the two loans came with an interest rate of nearly 800 percent. In interest alone, the five-month loans would cost the cash-starved woman $1,575.
The woman, whose name the state won't reveal, said she had discovered that the loans were illegal. They violated Colorado's payday loan laws. On top of that, neither lender – Cash Advance and Preferred Cash Loans – was licensed to make loans in the state.
The two lenders seemed connected, each operating exactly the same way. Even more telling, they shared a common address at a strip mall in Carson City, Nev. But investigators couldn't tell who was behind these lenders.
The Colorado attorney general dashed off letters, ordering Cash Advance and Preferred Cash Loans to stop making illegal payday loans in the state. Cash Advance ignored the order. Curiously, Preferred Cash Loans sent back a brief, unsigned note, saying it had forgiven its loan to the woman. But there was no promise to stop lending in Colorado.
The legal wrangling quickly escalated. Still, both Cash Advance and Preferred Cash Loans kept ignoring court orders. By June 2005, the attorney general asked a Colorado judge to cite the lenders for contempt.
At that point, the case took an unexpected twist that left the state of Colorado's top law enforcement official stumped to this day.
On July 20, 2005, out of nowhere, two Indian tribes — the Santee Sioux of Nebraska and the Miami of Oklahoma — swooped into court and proclaimed that they were the true owners of Preferred Cash Loans and Cash Advance. The next day, the company based at the mysterious Carson City address said in court documents that it had nothing to do with Preferred Cash Loans or Cash Advance.
It seemed almost comical. After all, the woman's contracts had the address in big, bold letters: 2533 N. Carson St., Carson City, Nev. Yet the tribes swore that they had no offices there.
How could that be? One of the lenders had already forgiven the loan. Besides, the attorney general asked, how did the tribes even know about this petty legal tussle? Why were they getting involved when they faced no legal sanctions themselves? Why would they defend total strangers?
As absurd is it seemed, the tribes' involvement erected a powerful legal shield: Tribes cannot be sued in state court.
As a result, the case has been bogged down in court for seven years now. The complicated legal issues have also stymied efforts by other states to halt the lending abuses. Amid the confusion, a controversial industry keeps thriving.
At the same time in the neighboring state of Kansas, the bank commissioner had been trying to stop the online payday lender Cash Advance from making illegal loans for more than two years. By 2005, the Colorado and Kansas cases against Cash Advance were on parallel tracks. But paradoxically, Cash Advance was making claims in a Kansas court that contradicted statements it was making in a Colorado court.
In Kansas, Cash Advance decided to settle. But the company officer who signed the settlement papers for Cash Advance was from a Carson City company called C.B. Services. Only two months earlier in Colorado, C.B. Services claimed it had no connection to Cash Advance. The discrepancy is irreconcilable.
And while the Miami tribe had already claimed in Colorado that it was the true owner of Cash Advance, the tribe made no such claim in Kansas.
Something wasn't right.
Enter the shell player James Fontano of Carson City was the answer to the riddle. In Kansas, Fontano swore in an affidavit that he was the president of Cash Advance. But in Colorado, Fontano swore in an affidavit that he had no connection to Cash Advance.
It would take perplexed attorneys in Colorado another two years to finally confront Fontano face-to-face for a day of closed-doors interrogation.
Fontano revealed that his true trade was being an imposter. For a small fee, Fontano would create a shell company and pose as its chief executive officer. It was a way, Fontano acknowledged, that "clients could conceal themselves from public view." He did this for hundreds of companies.
Setting up shell companies and posing as officers is a legal and thriving business in Nevada, although in 2006 Fontano landed in federal prison after pleading guilty to charges that he and others provided clients with a tax evasion scheme. Today, the IRS claims that Fontano, who now works at a Utah gift shop, still owes it $3.5 million.
Fontano was not the mastermind behind the payday lenders. In fact, he was only one layer of a multilayered façade.
While Fontano listed himself as the officer of a shell company called C.B. Services, the payday loans were offered on the Internet with trade names such as Cash Advance. In addition, the address in Carson City on the loan documents was only a mail drop.
When asked who really ran the payday lenders, both Fontano and the company managing the mail drop pointed to the same man: Scott Tucker. All mail was being forwarded to Tucker's business in Overland Park, Kan.
The layers of deception were so thick that Fontano knew nothing about the Indian tribes and very little about Tucker, whom he never recalls meeting. "I did not have a lot of knowledge of what he was doing," Fontano said.
The two affidavits were different for a simple reason. Fontano said attorneys paid by Tucker—though listed in court as representing Fontano—wrote the affidavit in Colorado, where Fontano claimed ignorance of Cash Advance. Fontano said he signed it, assuming it was true.
As for the affidavit in Kansas where Fontano claimed he was president of Cash Advance? Fontano said he never signed it. He called it a forgery.
iWatch News asked a handwriting expert at Applied Forensics to compare the signature to samples of Fontano's signature. Dennis Ryan, a former forensic supervisor for the Nassau County Police in New York, concluded "with a reasonable degree of certainty" that Fontano's signature on the Kansas affidavit was forged.
Ryan also compared the affidavit signature with documents signed by Tucker. Although he couldn't be certain, Ryan said that Tucker "probably" signed the affidavit. Ryan said he had only 11 samples of Tucker's signature, too few comparisons under forensic standards to be certain.
The Kansas affidavit was submitted by the same Kansas City law firm that submitted the one in Colorado. Fontano said those attorneys also never told him that he had been subpoenaed and cited for contempt by a Colorado court, which made him upset when he learned the truth.
In June 2006, Tucker's company sent an email to Fontano: "Please forward any and all records for corporations organized by Mr. Scott Tucker."
Fontano said that he complied, not knowing that the Colorado Attorney General had issued subpoenas to obtain those same records and that he might be breaking the law. But a search of Fontano's computer turned up the records, which Fontano gave to the attorney general's office.
For his cooperation, Fontano was off the hook. The state of Colorado turned its attention to Scott Tucker.
CORRECTION: The payday/tribal connection attributed to Frank Cotton was incorrect in the original story. The correct sentence reads, "Frank Cotton, an industry analyst in Atlanta, estimates at least 30 payday lenders and possibly double that number are affiliated with Indian tribes."
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Fact 1: Guam is located about 3,300 miles West of Hawaii
Fact 2: Guam is a shoppers dream with it's great "duty free" status.
Fact 3: Guam is one of the most desirable scuba diving destinations on this planet!


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Looking for restaurants open on Christmas or New Year's Eve restaurants?
Sonic Drive-In
120 Southeast 29th Street
Oklahoma City, OK 73129
View more Oklahoma City restaurants
(405) 635-8501
Cuisine: Fast Food Restaurants
View more restaurants at exit 124a on I-35.
price range:Less than $10
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Sonic Drive-In Reviews
Add your review for Sonic Drive-In.
this sonic is so incredibly slow. don't waste your time coming here even if you have time to just SIT HERE FOR 15 MINUTES AND WAIT.
by Brea C.
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Restaurants similar to Sonic Drive-In
Church's Fried Chicken
543 Southwest 29th Street
9020 South Western Avenue
Sonic Drive-In
3000 South I 35 Service Road
Taco Bell
2608 South I 35 Service Road
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2500 South Robinson Avenue
La Riviera Restaurant
2604 S Harvey Ave


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The NMK has communities on Facebook, LinkedIn and Twitter. You may join us in these spaces for sharing information and ideas about the digital media and creative industries.more
The BBC Innovation Labs have been much heralded by NMK, but what do we actually know about what happens if you?re lucky enough to go and what happens if your idea gets chosen? Kathryn Corrick spent time at the London Labs and spoke to Paola Kathuria and Frank Wales of Limitless Innovations to find out more.more
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No doubt about it, the Boston Red Sox are rebuilding. The 2004 and 2007 Champions have all but hit rock bottom after finishing dead-last in the AL East in 2012 during one of the worst seasons in their history. Surely, 2013 is all about proving to Red Sox ...
View the full article
Page 1 of 1
Boston Red Sox Predictions: 5 Storylines That Will Determine Success in 2013
Posted 25 January 2013 - 02:32 AM
Page 1 of 1


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Well this kitchen drawer was that thing for me.
But remember I said it took 15 minutes? Well it was so easy and gratifying a job I moved on to the drawer underneath and did the same.
Smart ideas! And I just love your house :)ReplyDelete
I need to do the same with my drawers. Yours looks great! Love seeing more of your kitchen and love that bench!ReplyDelete
Ok so funny my mom was just here yesterday looking at my drawer over flowing with spoons and whisks telling me I needed to organize it! Job well done!ReplyDelete
great work with your organization! i need to do this too, especially in our pantry. i love your kitchen! i can't wait to get new white cabinets.
-- jackiejade.blogspot.com
Oh, you only have 1 (or 2) drawers that look like that? Lucky you. :) Great job, and your kitchen is bright and beautiful!ReplyDelete
Ummm I have a kitchen full of drawers that look like that, plus a pantry. We unloaded boxes 3 years ago with the intention of organizing everything at a later date….still hasn't happened. Kitchen organization is on my 2013 goal list though. I love the boxwood wreath on your door and all the natural light your kitchen gets.
Hi, thanks! The boxwood was originally a Christmas decoration but I like it so much I've decided to leave it up. Without the gold bow it looks much less Christmasy :)Delete
You know this is totally my jam. And PS, I LOVE Your kitchen!ReplyDelete
Many of my kithcen drawers look like that, too. Recently, my pantry is looking just as bad....I must take the 15 minutes, or hour, it would take to fix it!
Love your upholstered bench, the colors, patterns, and finishes in that picture are perfect!
Loved the tour of your pretty kitchen, (and organized drawers!) your upholstered bench looks great, that fabric is a favorite!ReplyDelete
I love how one 15 minute project is all is takes to kick start the start of something! Great changes and I love your kitchen tile. It looks amazing with the white cabinets.ReplyDelete
Thanks, Sarah! The backsplash is tumbled marble and I LOVE it. One of my favorite parts of our kitchen :)Delete
I love hearing from you! Thanks for taking the time to leave me a note. If your e-mail address is visible I'll reply to you by e-mail. if not, I'll leave follow up comments here in the comments section.


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Classic Squares LG is a set of seven Nestabilities die templates. This set coordinates with S4-128 Classic Squares SM, S4-127 Classic Scalloped Squares LG and S4-196 Classic Inverted Scalloped Squares LG and Decorative Elements.For added versatility and 20% savings, purchase the Nesties™ Classic Squares Nestabilities Set, Nest-02.The difference between die template sizes within a Nestabilities set is ½″, which becomes a ¼″ border when layering. The difference between LG and SM Nestabilities sets is ¼″. Combining both the LG and SM sets of Nestabilities will allow for ⅛″ borders when layering.
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French Is a Major World Language!
French has long been the language of international politics and is currently spoken in more than 30 countries around the world. Because it is spoken so widely, French is an excellent language for travel as well as for international business.
"Une personne qui parle deux langues vaut deux personnes."
(A person who speaks two languages is worth two people)
French is fun and easy to learn!
Our English language has been strongly influenced by French. As a result, many French words have identical or nearly identical counterparts in English. As an example, compare the names of these musical instruments:
une batterie
une guitare
un piano
un saxophone
une trompette
un vilon
The similarities between French and English are almost endless!
Learning French has many rewards!
You can open many doors by learning French. Traveling abroad will be more enjoyable. You will have the opportunity to acquaint yourself with a rich culture, beautiful art and incredible cuisine. And finally, you will possess a valuable skill, which can be marketed both in the United States and abroad.
French degree/certificate programs:
- Associate in Arts degree designed to transfer to other colleges and universities
- Certificate of Achievement in French
To view French course descriptions, click here.
Learn more about studying French here.
For more information, contact:
TCC International Language Center
Tulsa Community College
Metro Campus: 909 South Boston Avenue Tulsa, Oklahoma 74119
Northeast Campus: 3727 East Apache Street Tulsa, Oklahoma 74115
Southeast Campus: 10300 East 81st Street Tulsa, Oklahoma 74133
West Campus: 7505 W 41st Street South Tulsa, Oklahoma 74107
Conference Center: 6111 East Skelly Drive Tulsa, Oklahoma 74135


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Jupiter Jack
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Now you'll enjoy the clear robust sound that only your car speakers can provide so you can safely talk and drive at the same time.
Jupiter Jack As Seen On TV turns your car radio into a speaker phone. Simply plug the compact Jupiter Jack unit into any cell phone headphone jack, tune your car radio to 99.3 FM and start talking. Enjoy crisp, clear conversation as the sound is transmitted through your car speakers while keeping your hands on the wheel. Jupiter Jack is an inexpensive alternative to costly blue tooth systems. Fits any cell phone headphone jack. Adapters for all cellphones included. Order your Jupiter Jack Hands Free cell phone device from AsSeenOnTVGuys.com today.
Copyright As Seen On TV Guys, Inc,
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Browse Top3 Lists
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- Banff (Canada) vacation blog Sites
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- Compare Travel Websites
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- How to find the best travel insurance in Idaho Websites
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- How to find a hotel in Minneapolis Websites
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Latest Top3 Lists
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- How to get a payday loan in Texas Websites
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- How to find a date in Austin Websites
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- How to find a summer job in Kansas Websites
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- How to get a payday loan in Kansas City Websites
- How to get a cab in New Jersey Websites
- How to find an attorney in Austin Websites
- How to find an accountant in Alaska Websites
Are you Listed —–>
Great! We have a special badge that you can add to your Website!Top3 in the Category:
This badge can only be used by Featured websites. The badge will give your site more trust and it will also help you to get more visitors from Trendlists.com :-)
Canadian Travel Sites
GD Star Rating
Top3 Canadian Travel Sites
Hi, my name is Mads Polsen and this is a 100% unbiased and handpicked Top3-list of the top Canadian Travel Sites. First of all, my editors do a lot of research and pull together a massive list of the top100 Canadian Travel Sites.
When thats done they try to narrow it down to only three sites which will be included in the Top3-list. This is not the easiest thing but they look for quality factors, user value, and of course also diversity when selecting the best Canadian Travel Sites.
Top3 Trusted Canadian Travel Sites
The Canadian Travel Sites listed below are hand picked by our editors and they are all trusted and very good Canadian Travel Sites.Canada is a very big and a very beautiful country. And since its huge there is just so many things to do there. You can basically try all the activities that you can think of, from sports, to visiting museums and landmarks, and so on and so forth. The three best Canadian Travel websites listed are your best travel guides plus the sites can also give you other information.
|1. Canadatravel.ca
"You will really be able to explore Canada with the travel plans that this website presents, really awesome."
"The site has this long list of things-to-do and you will really be amazed by the amount of things that you can do."
"They also have a list of the top destinations, so when in Canada you will not be wasting your time since you know where to go next."
|2. Canadiantravel.com
"This site helps you in all of your travel plans."
"This site makes travel planning really very efficient and systematic."
"Everything is very easy, you just need to key in some information and then you can already look forward to a wonderful vacation."
|3. Canada.travel
"This site is the official travel site of Canada, so ths is the only place you need to go whe you have travel plans."
"Very comprehensive and they have everything that you need."
"The first thing that the site will ask you is from where you are so that the site can adjust and change the language, very client-centered."
Popular Tags
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If your site is listed above we have special badges for you! The badges will make your listing at Trendlists more popular and also increase the amount of visitors to your site! Click here to see all our badges.
- Canadatravel.ca - URL: http://www.canadatravel.ca/
- Canadiantravel.com - URL: http://www.canadiantravel.com/
- Canada.travel - URL: http://www.canada.travel/
What do you think about this Top3 Trend-List?
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One Comment
the travel itch is an irresistible on-line read and the next best thing to
experiencing Canada and the world firsthand. It offers fresh Canadian
perspectives on travel that entertain and inform while agitating the itch
to go. We are hunting for original travel articles from blossoming and
bloomed Canadian writers about their travel experiences at home or abroad.
We're also seeking gripping travel images and film, book and restaurant
thetravelitch.comGD Star Rating
Post your own top3 and/or leave comments
If you feel that our list needs to be updated you can help us! Please post your suggestions below and add your own top3 list with comments. List up to three sites related to Canadian Travel Sites. Your top3 list + comments will be published if we think that it ads value and can help our visitors to find better websites.
Please don't spam! //Mads


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During the academic semester, this hour on WEFT is a broadcast of the lecture (and Q&A as time permit) from the previous Friday Forum lecture at the University YMCA's Latzer Hall. During university breaks and summer, this hour is Alternative Radio.
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The Welcome letter you received when you moved in will show the contact information for the Property Manager for your home. Usually that is either Rental Home KC or the owner of the house. If it is Rental Home KC, please contact us as shown below. If not, please contact the property manager. If in doubt, or if it is an emergency, please contact us as shown below..
Rental Home KC Property Manager (repair calls only please)
913-220-0302 firstname.lastname@example.com
If the situation is urgent and you dont get an answer at the Property Manager number above, call our general office number 913-475-7141


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|2014 Lessons/Tours
You must RSVP to the Extension Office 217-877-6042
1 week before the lesson starts to have a place in class.
|January 16, 2014
|UFO Class - (Unfinished Objects Class) 1-4pm, Sharon Middleton - Extension Office, Illini Room
Please notify at time of RSVP what project/projects you will be bringing.
|February 5, 2014
|Macon County Health Department Tour, Presented by Brandi Brinkley - 9:30am-11:00am
Please meet at the Macon County Health Department, 1221 E. Condit Steet in Decatur
Please enter the conference room using the East Entrance.
|March 12, 2014
|Lesson -"Healthy Heart Living" Presented by Dr. Kairouz, 11:00am, Extension Office, Clover Room
Click on Flyer below.
|April 10, 2014
|Lesson - Richland Culinary Department Tour at Richland Community College, 9:30-10:30am
Please meet at the Shilling Door entrance in the N.W. corner of the complex.
|April 24, 2014
|Tri-County Trip to Galesburg, IL - Additional Information to Come
|May 15, 2014
|Lesson - ADM Research Kitchen Tour, 9:30am-11:00am, Presented by ADM
Located at the ADM Research Kitchen. Please meet at the ADM Research Kitchen main entrance.
Originally the old Lakeview High School on Brush College Road.
|June 10, 2014
|Lesson - "Outdoor Grilling" Presented by Caitlin Huth, 9:30am-11am - Extension Office - Clover Room
|July 8, 2014
|Lesson - "Home & Decorating Trends, Presented by Haines & Essicks, 10am-12pm
Located at Haines & Essicks, 150 E. William Street, Decatur
|August 6, 2014
|Lesson - "Creating Recipes from your Garden", 9:30am-11:00am, Extension Office - Clover Room
Presented by Mindy Peterson and Jennifer Nelson
|September 9, 2014
|Lesson - "Trees, They are All Around Us" Presented by Carol Ropp, 9:30am-11am
Located at the Elwin Tree Farm, 3620 South Taylor Road, Decatur
|October 14, 2014
|Lesson - Jo-Ann Fabric Store Tour, 10am-11am
Meet at Jo-Ann Fabric, 4298 N. Prospect Dr, Decatur, Ill
Lunch on your own or with group, 11am-12:45pm
Lesson - Agri-Tourism in Central Park, 1:30pm-2:30pm - Presented by Doug Gucker
|October 15, 2014
|Lesson - Tour thru St. Mary's Hospital,
9:30am-11am, Presented by St. Mary's Hospital
Please meet at St. Mary's Hospital, Main Entrance
HCE Week Luncheon - BBQ, 11:45am-12:30pm, $5.00 per person, Be sure to RSVP
Lesson - Cookie & Candy Exchange, 1pm, Contact Karen Cahill or Barb Reed
|October 16, 2014
|Lesson - Make it Take it Craft Morning, 9:30am-12pm, Presented by Sharon Middleton
Lunch 12pm - Pizza, &5.00 per person - Please RSVP for lunch when calling in reservations
Lesson - Basket Making-Create a Candy Corn Basket, 1pm-4pm
Cost $18.00 per person. Includes all materials for the basket.
|October 17, 2014
|Tour - Tanners Apple Orchard, Leave Macon Ext. Office at 9am
Lunch will be paid by individual member. Cost of trip TBA.
|November 7, 2014
|Fabulous Friday:
9:30am - Macon County Honor Guard
10:30am - "Truly, A Man's Best Friend", Presented by Jim Hoffert
12:00pm - Pizza Lunch, $5.00 per person. (RSVP)
12:30pm - "Honey, The Sticky Details, Presented by Darryl Coates
You must RSVP to the Extension Office 217-877-6042
1 week before the lesson starts to have a place in class.


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DVD Features
Reel Advice: Tooth and Nail
By Steve Anderson May 28, 2008, 18:44 GMT
A small group of survivors in a post-apocalyptic world take refuge in an empty hospital with plans on rebuilding society. They resc ue a young girl who is the victim of a brutal attack but soon discover that they were followed by a savage band of cannibals known as Rovers. The Rovers begin to kill them one by one and the trapped survivors must find a way to outwit their ...more
Now, I'll confess openly that I was looking forward to "Tooth and Nail" only slightly less than the last film in the rotation. I am, and longtime readers will be able to back me up on this, terribly, terribly fond of dystopian fare, because I believe it's pretty much just a matter of time until we're actually IN a scenario like this so it pays to have some idea of what to do.
And "Tooth and Nail" is dystopian with a capital D-Y-S, so I was ready.
Indeed, in "Tooth and Nail", the world has just gone all post-Apocalyptic-y, and that's given rise to warlords and downtrodden folk and all sorts of unpleasantness. If the opening montage is any indication of what went wrong, it's almost certainly energy-related. Lots of footage of traffic jams and oil derricks and such in here--they'll even tell at the end that what did it was, plain and simple, we just ran out of gas.
Which doesn't exactly make a lot of SENSE as the impetus for a global slaughterfest, but okay, I'll allow it. In fact, they make a pretty decent case for it, so I don't feel like I'm allowing anything intolerable.
And of course, they'll bludgeon you with the symbolism--just about everybody in the movie, or at least the good guys, was named after a car.
There aren't a whole lot of shocks or scares in "Tooth and Nail", and frankly, that's all right. It watches a lot more like an action movie with horrific elements than an actual horror movie, and that lends it a lot of good old fashioned heart-pumping adrenaline.
Perhaps the most interesting part about "Tooth and Nail" is how, in the time leading up until the climax and ending, it'll pretty much be the ladies responsible for the defense against the evil warlordish types. That's abundantly clever, and right out of left field. Top marks.
The ending will have a couple nice twists leading up to it, including the ever-popular "acid to the face".
The special features include Miss Horrorfest contest webisodes, audio options, and English and Spanish subtitles.
All in all, a spectacularly clever addition to the 2007 After Dark Horrorfest. I'm very pleased with how this one turned out, and the extra twists made things all the more exciting. "Tooth and Nail" is an insane, gut-wrenching blast of horror.
Tooth and Nail is now available at Amazon. As of yet, there is not a release date for the UK. Visit the DVD database for more information.
Check out the Video Store Guy on his own ever-lovin' website. Featuring never before seen pieces exclusive to Reel Advice! (reel.panel2panel.com)
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For Our Students
Aspect Ratio
- This article briefly discusses aspect ratio, what it is and how to use it.
Chain Weave Names and Aliases
- The names that I use for the various chains are in
, and aliases that I am aware of are in normal type. I generally use the first name that I knew for the chain, or what I think is the most common name. In some cases, e.g. names like "This is not Food" or "Rhinos Snorting Drano", I use a name that is easier to explain to customers.
Class Exercises
- These are some of the chain making instruction sheets we have developed for use in our classes:
2-in-2 Chain
3-in-3 Chain
3-in-3 Chain with Orbitals
Acute Helm
Alligator Back
Alligator River
Basic Addition
Beez to Butterflies
Byzantine Chain
Cable Chain
Celtic Star
Celtic Visions
Celtic Wings
Celtic Zigzag
Conundrum Chain
Crazy Eights Chain
Crisscross Chain
Cross Chain
Cross-Linked Chain
Crow Chain
DNA Chain
Dos Equis Chain
Double Captive Orbital Chain
Double Cross Linked Chain
Double Infinity Chain
Double Lace Chain (aka Jellybeans on Parade)
Double Not DNA Chain
Double Vision Chain (aka Barrel Chain)
Dragon Tail
European 4-in-1 Ribbon
European 4-in-1 Rubber Ribbon
European 4-in-1 Sheet
European 6-in-1 Ribbon
Flat Box Chain
Flat Chain (aka Half Persian 3 in 1)
Flower Chain
Flower Chain, Double
Garter Belt Chain
GSG (aka Great Southern Gathering)
Half Byzantine Plus One
Japanese 4-in-1 Chain Maille
Japanese 12-in-2 Chain Maille
Japanese 12-in-2 Variant Chain Maille
Japanese 18-in-2 Chain Maille
Japanese Daisy Chain Maille
Japanese Hodo Chain Maille
Japanese Path Chain Maille
Jens Pind's 4
Jens Pind's Linkage
Knot Chain
Lacey Chain (aka Rhinos Snorting Drano)
Ladder Hybrid Chain
Layered Chains
Mobius Ball
Not DNA Chain
Not Double Lace Chain
Not Tao 3
Not Tao 4
Not Tao 5
Not Tao 6
Olympus Chain
Open Round Chain Maille
Orbital Vipera Berus Chain
Parallel Chain (aka Helm Chain)
Rope Chain, 1 thru 2
Rope Chain, 1 thru 3
Rope Chain, Double 1 thru 2
Round Chain (aka Full Persian)
Segmented Byzantine Chain
Shuttle Chain
Snake Chain (aka Half Persian 4 in 1)
Square Chain
Sweet Pea Chain
This Is Not Water
Turkish Roundmaille
Viper Basket
Vipera Berus
Vipera Berus Doubled
Wiggly Chain
Jump Ring Estimate Tools
- These tools can be used to estimate the number of jump rings that can be cut from one foot of wire, including the maximum length of wire that will fit on a mandrel, or the minimum inches of wire needed to cut X jump rings.
Number of jump rings that can be cut from one foot of wire
Inches of wire needed for X jump rings
Making Large Jump Rings
- This article describes how to construct a coil holder for cutting large diameter (3/4 inch and larger) jump rings.
Polishing chains
- This article describes how to polish chains using a tumbler.
Reference Sheets
- Here are some of the reference sheets we have developed for use in our classes:
Approximate Number of Jump rings per Inch for various weaves
Jump Ring Aspect Ratios - Round Wire - B&S (AWG) gauge
Jump Ring Aspect Ratios - Round Wire - SWG gauge
Jump Ring Aspect Ratios - Round Wire - W&M gauge
Jump Rings per Foot of Wire - Round Wire
Maximum Length of Wire per 3 Inch Mandrel - Round Wire
Wire Gauge, Drill Size, Tap and Die Reference Sheet
Tools for a Chain Studio
- A brief look at tools that are useful in a chain studio.
Add a Handle to the Koil Holder for a Koil Kutter
Holding Non-Round Wire to Make Jump Rings
Winding Coils with Non-round Wire
- This article describes how to construct a simple tool to assist in winding coils of non-round wire for making into jump rings.
Working with Jump Rings
A summary sheet of
tips for working with jump rings
us if we may be of assistance to you.


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Update, April 16, 0900 PDT: Reuters moved this story this morning about EADS options dwindling away. DOD Buzz has this analysis on why EADS needs a partner. Original Post: Reuters just moved this report that L-3 is probably… Read More
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Editors' Top PicksSee All
Sony PlayStation 3 Super Slim (250GB) Uncharted 3 Limited Edition Bundlestars
It's smallest and lightest PS3 ever made. But is it worth upgrading?
Microsoft Xbox 360 Estars
What's likely to be the last version of the Xbox 360 omits some connections and doesn't...
Nintendo 3DS XLstars
While it's no surprise Nintendo is super-sizing its 3D portable system, we're shocked...
Nintendo 2DSstars
At $130, the 2DS is a reasonable entry-level portable console for the young gamer.
Shin Megami Tensei: Persona 3 Portable is the third iteration of the highly popular PlayStation 2 role-playing game, Persona 3. It's just as enjoyable but now includes a female protagonist for a fresh perspective, along with new story aspects. It's also been successfully streamlined for greater convenience, finally allowing you to assume direct control of party members. Barring a degree of repetitiveness, P3P is a robust adventure that is especially well suited for series newcomers.
Summon a great variety of customisable persona to demolish your foes. (Credit: Atlus)
The macabre, rich story begins by unveiling the Dark Hour, which is when a towering dungeon called Tartarus appears and releases vile shadow monsters. You're cast as a high school student fighting alongside friends to destroy the shadow menace, relying on the power of personae — ancient beings that represent the many facets of the soul. In addition to offering the original male character, P3P introduces a new female lead that implements eight new friendship bonds called social links. Social links are interesting side stories, often surprising you with exciting twists that add to the main plot's intensity. The new social links alter your dating options and let you learn more intriguing details about the males in the main cast, which should appeal to P3 veterans. Deepening your friendship bonds — perhaps even falling in love — increases your ability to summon stronger personae, giving you a decisive edge.
Dungeon exploration suffers from an outdated maze mechanic and excessive backtracking. Tartarus is segmented into blocks, each containing numerous floors that operate as random mazes littered with shadows. You're given little to break up the monotonous exploration aside from the occasional boss and a change in textures. New rescue missions attempt to spice up the labyrinth, but they're overly simplistic, involving little more than searching a set range of floors to locate a missing person. Quests are somewhat challenging but repetitive, often requiring that you backtrack through previous floors to find items or defeat specific foes. Fortunately, you can now use the main entrance to continue exploring from the floor you left off of, so you won't have to teleport to a previously completed block and work your way back up to where you were —a long-awaited adjustment.
The sheer volume of personae and unique abilities keep the combat interesting. While your teammates are limited to summoning a single persona, you're able to carry up to 12 simultaneously. Each persona and enemy specialises in an attack type, such as fire or slash, while also harbouring weaknesses. The goal is to exploit an enemy's weakness, knocking it off balance so your team can perform a devastating group attack, which encourages strategic planning. A helpful "analyse" ability lets you determine a foe's weakness without entering the menu system, which speeds up battles. The new cooperative techniques enable you and an ally to perform a powerful critical attack that knocks a sole standing enemy off-balance, making it much easier to trigger group attacks.
Finally: a game that rewards you for hanging out with people you marginally dislike. (Credit: Atlus)


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Authors are requested to submit their papers in
electronic form by using our EasyChair submission page
(at the bottom of this page).
Before you submit your paper, please read the instructions given below.
Submissions must be received by May 17, 2012 (this page is open as long as it is May 17, 2012 somewhere in the world).
Notification of acceptance or rejection will be (e)mailed to the first (or designated) author by July 8, 2012.
Format. The submitted paper should be no longer than 15 pages in the standard format for Springer-Verlag's Lecture Notes in Artificial Intelligence series (see: LNCS Proceedings and Other Multiauthor Volumes - Using LaTeX2e). The 15 page limit includes title, authors, abstract, acknowledgments, references, illustrations and any other parts of the paper; appendixes bypassing the page limit are not allowed.
If a paper is (co-)authored by a student and you would like this paper to be considered as a candidate for the E.M. Gold Award don't forget to mark it as a student's submission.
Policy. Each submitted paper will be reviewed by the members of the program committee and be judged on clarity, significance, and originality. Joint submissions to other conferences with published proceedings are not allowed. Papers that have appeared in journals or other conferences are not appropriate for ALT 2012.
Proceedings. All accepted papers will be published as a volume in the Lecture Notes in Artificial Intelligence, Springer-Verlag, and will be available at the conference. Selected papers of ALT 2012 will be invited to a special issue of the journal Theoretical Computer Science.
Please continue to our submission page.


text: There's more to these clean designs than first meets the eye. Polish design duo, Homework, have been printing up some very punchy movie posters for the last few years, promoting film fests around the country. Here we bring you a sampling of their work, featuring some of their best examples of creatively combined visuals. See more of their extensive catalogue at homework.com.pl [Read more…]


text:
Is there a rumor you'd like tracked down? Geoff Bruce answers some of the mysteries of life in Brookfield and Elm Grove and helps solve everyday problems.
Is there any news for the vacant parts of Plaza 173 on Bluemound Road?
Answer: There are some preliminary plans in the works for Plaza 173.
HSA Commercial, Inc. based out of Chicago, is planning on expanding Plaza 173, located at 17300 W. Bluemound Road, by over 16,000 square feet as part of their hopes of developing a new, organic grocery store at the site.
The project was reviewed by the City of Brookfield's Plan Commission at its June 9 meeting and commissioners voted unanimously to set a public information meeting and a public hearing for the project.
The expansion of the structure would see its size increased from 95,730 square feet to 112,530 square feet.
Commissioners, while allowing the information meeting and hearing to be set, did express some concerns with the project.
The project's plan for stormwater; a heavy screen proposed to divide between the building and the residential units to the north; traffic; and architectural enhancement were the four concerns raised by the plan commission.
As of July 29, City of Brookfield Director of Community Development Dan Ertl says that no plans addressing those concerns have been submitted.
The building's expansion would require a portion of land to the north to be rezoned from residential to commercial.
The public information meeting for the project is set for Aug. 13 while the public hearing will precede the City of Brookfield's Common Council meeting on Aug. 19.
Email your questions to Geoff Bruce at firstname.lastname@example.com.
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text:
(3 star hotel)
from the airport
customer rating
Prices so low you forget it's at an airport
The Travelodge at Gatwick (formerly the Mercure hotel Gatwick) is not only large enough to allow for last-minute bookings, but also affordable enough for even the most restricted of budgets. It's one of the cheapest hotels at Gatwick airport and the restaurant and bar are extremely well-priced. There are also rooms spacious enough to accommodate four adults comfortably.
The Travelodge is a good choice if you're travelling to Gatwick airport by car. It's just a few minutes from junction 10 of the M23 and has an undercover on-site car park where you can park overnight. If you need parking while you're away, you can book your car into one of the Long Stay car parks at Gatwick airport, or into Airparks, a secured car park just outside the airport.
If youre coming by public transport, Gatwick airport train station is an easy bus ride away and connected to London by regular trains. In the morning, the hotel shuttle bus will take you back to the airport. You need bus G23, which leaves from outside reception and takes 15 minutes to reach the North terminal, and 20 to reach the South terminal.
The Travelodge has a bar and restaurant with a simple, classic pub grub-style menu, which is served from 6.30pm to 10pm. Theres also free wifi in the bar and restaurant.
We recommend the Travelodge for:
We booked the travelodge at Gatwick and were very upset when we were told that their overnight car park was pay and display costing £5.00. The parking arrangements for the week at Summer Special were fine.Mr Knight, 20 Sep 2009
We found the experience with both hotel and car park really good. Hotel room good size for a family of 4. Breakfast really good, and parking the car stress free . We would definitely use again.Mrs Frank, 06 Nov 2008
This service took out all the hassle of worrying where to park the car etc. On our return, the car was ready for us only a few yards from the office. The car park numbering system made life very easy. Thank you.Mr Lingings, 27 May 2008
The service was excellent as expected, I have used holiday extras many times in the past and never had a problem. Thanks for making it so easy to go on holiday and not having to worry about my car parking.Mr Smith, 29 May 2007
venue was convenient, the facilities were basic but satisfactory, though the second 'pull down' bed in the room was not very comfortable.Dr Rowlands, 07 Jul 2007
Good quality accommodation, excellent service at hotel and Summer Special car park. Will be booking again in the futureMr Staples, 15 Apr 2008
The Travel Lodge was very basic particularly in the bar are with uncomfortable chairs at the tables rather like a works canteen. The room was far too warm and with no way of getting cooler air.Rev King, 19 Nov 2007
We thought that some consideration could have been made to make the restaurant area a little more user-friendly but on the whole we felt our stay in your hotel was good. thank youMrs Meredith, 18 Nov 2007
I was a little apprehensive about how we would get on and was pleasantly surprised that everything was trouble free. The staff were helpful and the parking arrangements were superb and worked like clock-work.Mr Hislop, 29 Sep 2007
See more Gatwick Travelodge customer reviews
Overall rating: % based on 183 Ratings
Families - The Travelodges family rooms are very spacious, and can actually accommodate four adults, so older children will be more than comfortable. Children are also allowed in the bar at any time.
Drinks - The lively bar offers a drinks promotion each month, making the Travelodge one of the most affordable places to start your holiday with a glass of something tasty.
Value - Not only are the rooms great value, the Travelodge also offers an affordable food menu and free wifi in the bar.
Groups - You wont find many hotels willing to let four adults share one room, and at the Travelodge youll still get a comfortable nights sleep if you do decide to share.
You can check in from 3pm; you must check out by noon.
Travelodge Gatwick, Church Road, Lowfield Heath, Crawley, West Sussex, RH11 0PQTop