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So now we have our video and audio embedded in a page using HTML5 and we've provided multiple versions of the source so that all HTML5 browsers can play back the media. The next step is to provide a playback method for browsers and devices that don't support HTML5 media. This can be any browser below the versions you see here, which include IE version 6, 7, and 8. This could be as much as 50% of your audience, so it's going to be important to account for them. Now there are many different options for possible fallback technologies including Flash, Silverlight, QuickTime, and Java. I'm going to go with Flash because it's the most widely supported and most widely used plug-in for web video.
Still, many of these instructions will apply to other fallback options as well. So what we need is a Flash Player embed code. If you already have a Flash Player for your website, you can feel free to use that. I'm going to be using the Flash Media Playback Player, which is a free and hosted Flash video player by Adobe that's easy to configure. I'm going to go ahead and do that for our podcast. Our file is going to be hosted at explorecalifornia.org. And it has to be hosted online.
It can't be hosted on your computer. Because this player is hosted on another web site, you can't refer to your source as if it's on your web site. So our source is in the video assets folder and we're going to use the podcast.mp4 source, because MP4 is the version that will play in Flash. All right let's configure the rest of these options. Using HTTP Streaming? No, we're not. The width of our video is 480 pixels and the height is 300. Control Bar Position, need to be Docked or Floating.
I'm just going to leave it Docked. Autohide. That's fine. For the poster, we have a poster. I'm going to use the same URL for my source, but the file is podcast-poster.jpg. Include button overlay? That's the big play button in the middle. We'll leave that. Autoloop, no. Autoplay, no. We don't want either of those. We configure it and go down to Preview and click that and we can see it's built our Flash Player for us. (Music playing) And it works how we want it to.
So great, that was easy. Now what we can do is take this object embed code and copy it and bring it over to our code. Now if you're following along, in the exercise files, we're now in the 3-01 folder in the video.htm file. And up into this point we have had just a simple paragraph that says, Your browser does not support HTML5 video. But we can use this error for any type of fallback and so this is where we're going to put our Flash Player. We can just paste that in the place of our paragraph. So I'm going to save that and now I'm going to go view this in a version of Opera that's prior to the version of Opera that supported HTML5 video so we can actually see what happens when the browser falls back to Flash.
If you have a PC and Internet Explorer 6, 7 or 8, you can do the same thing with either of those browsers. So I'll go to Opera. I haven't reloaded the page yet so we can see what it looks like when it falls back with just the paragraph. So you can see here it says, Your browser does not support HTML5 video. Now if we reload the page, we can see it fallback to Flash, and it's worked and we can... (Music playing) Play and it works as expected. All right, so that's how you use a Flash video player as your fallback for HTML5 video.
If you're working with HTML5 audio, you will add your Flash audio player's embed code in exact same way we did for video. We don't have a Flash audio player yet. I would suggest the WordPress Audio Player, which you can see here. It's a nice compact player and it sounds like it's just for WordPress, you can actually download a standalone version that will work for any site. You can find that under the Standalone version link. If you're interested in learning more about Flash video players or Flash media playback, there's another great lynda tutorial called Publishing Video with the Flash Platform you should check out.
What we just covered should do the job of a Flash fallback for you, so you can deliver a video to all your users that don't support HTML5 video and audio.
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Access exercise files from a button right under the course name.
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The power of the sound is like I expected. I bought this amplifier because I'd like to use it with my TV. I'd like to transfer all the TV sounds to external ceiling speakers. But it's impossible to do this because the only way to increase and decrease the volume is using the master volume button. I thought ... Read more
It is Small, powerfull, with clear sound. allows to control bass and tremble and you can plug a USB reader. in the images it would seem bigger than it is. so it's smaller, more or less the size of half a 3.5" Hard Disc. the remote control wasn't exactly as in the instructions, but very easy to use so ... Read more

subset: commoncrawl


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Bad side of Bluetec technology
edited March 20 in Mercedes-Benz
Bluetec has a serious problem with gasoline. Even if you fill a small amount can cost you arm and leg to get rid of it, and if you run the car with gas then get ready for $6000-$ 8000 or even bigger bill. This just happened with my bluetec GL. without even starting the car costing roughly $800 to get the gas out of the car. I do not have a final figure on damages but keep watching I will update after car gets fix. Just wanted to let everybody know the bad side of this technology. Mercedes won't help with this to get the mistake fix in cheaper way.
This is not a negligence and I realize when I was fueling (by the way I was on diesel pump and other hose was gas and I picked up the wrong hose) and stop did not fill up the tank. Lot of people got pumped gas in full service station, when other people are driving gas vehicle and by chance they picked up the diesel and has to fill up and made a mistake. Point here is even after realizing the mistake it cost enormous amount of money to the fix the tiny mistake. If some one drove the vehicle forget it they will commit a grave mistake of there life.
This discussion has been closed.


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- The Gentlewoman Issue Nº7
- Posted 24 months ago by Jack owe · culture · 7858 Views
As if past issues haven't flown off the shelves fast enough, The Gentlewoman have decided feature pop Goddess Beyoncé as their cover star of issue nº7. That alone would be enough for the magazine to sell out worldwide, but the excellent content continues with features on other "accomplished, dynamic and inspiring women" such as Parisian fashion designer Isabel Marant, outspoken actress Susan Sarandon, and enterprising herb farmer Jekka McVicar. Offering advice for springtime glamour, there's a selection seasonal bags, watches, clothing, and shoes, as well as a feature on manners to make sure you have the personality to match the look.
The Gentlewoman Issue Nº7 is available now from our online store.
- Video: In Bed With Cara - A Valentine's Day Treat
- 24 months ago · culture · 7 Comments · 11277 Views
- Alone tonight? Oh well, luckily for you British model Cara Delevingne - a woman who is impossible to avoid at the moment - has teamed up with LOVE magazine and Swarovski to create a tongue-in-cheek 2 minute video of her seductively...
- Video: Justin Timberlake - Suit & Tie ft. JAY Z
- 24 months ago · music · 4 Comments · 11446 Views
- Justin Timberlake is keeping in the news this week with the release of the official video for comeback track "Suit & Tie" featuring Jay-Z. Rather surprisingly, the visuals were created by famous film director David Fincher, who...
- Video: Lana Del Rey - Burning Desire
- 24 months ago · music · 2 Comments · 7893 Views
- Lana Del Rey has released the visuals for track "Burning Desire," just in time for all the hopeless romantics out there. The video was produced in collaboration with the car manufacturer Jaguar - who currently have Del Rey as the face of the brand - and as such features their 2014...
- Diet Coke Unveil Marc Jacobs Can Designs
- 24 months ago · Art & Design · 0 Comments · 13305 Views
- Diet Coke has given us a first look at the new can designs created under the supervision of their new creative director Marc Jacobs. Three different can designs have been presented, each featuring a stylised illustration of a woman and an all-over print (bow ties, birds, and red...
- The World's First 3D Printed House
- 24 months ago · Art & Design · 1 Comment · 8299 Views
- With all the hype currently surrounding 3D printing and it's seemingly endless capabilities, the race has started to build the world's first 3D printed house. London architecture company Softkill Design joined that race the other day by announcing plans for a plastic dwelling that...
- Band of Outsiders Women's Autumn/Winter 2013 Collection
- 24 months ago · style · 1 Comment · 4877 Views
- Designer Scott Sternberg recently unveiled his latest women's collection for his label Band of Outsiders. Inspired by 1940's glamour and jazz musicians like Billie Holiday, the collection features lots of strong silhouettes,...
- Norse Projects & Tricker's Collaboration
- 24 months ago · style · 2 Comments · 6018 Views
- Continuing to collaborate with interested brands, Danish label Norse Projects have teamed up with popular bespoke footwear manufacturer Tricker's for the release of a capsule collection. The collaboration sees the traditional Blucher silhouette released in two colourways (black and...
- A.P.C.'s New Redchurch Street Store
- 24 months ago · style · 0 Comments · 7339 Views
- Following from the closure of their Dover Street store in London, Parisian label A.P.C. have pushed forward with their east London location on the up-and-coming Redchurch Street. In collaboration with architect Laurent Deroo, A.P.C. have fitted the new and improved store in their...


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Dear Dish-it: We're Always Fighting
confused asks: "I've liked this boy since the beginning of Grade 7 and I heard he liked me, too. We aren't going out and we're already fighting like we're a couple. We yell, hit and kick each other just so one of us can speak. I like him with all my heart , but i don't wanna fight all the time with him. I know that yelling and hurting each other is immature, but it's something we always do and have done." Back to Article
give him a stunner lol
really what and stop sayin my last name llol
yea EXACTLY WAT IM SAYIN YOU CANT GET MAD BEACAUSE I SAY THT JANYIA COLLINS YOU REALLY CANT
im mad because u keep sayin kkkkkkkk omg tht makes me mad
really ur my bestfriend wernt u the one who said u had not best friend...right
me my bestie fight alll the time her name is nevaeh fight then we are friends again well today she is makin me mad because everytime i txt her she is always sayin k like she does;nt want to talk to me she does it on purpose wow
im a fighter i stay fightin lol XD
I fight all the time with people compared to this though my fights are more....intense
You shuold ask him if you make better friends than couples. If he said friends then just be friends . If he said couples than sit down, have a talk,and try again
Fight for wat u love I wuld just dnt end up in an abusive relationship or nun like dat buht ppl argue wit each other its normal or just craxii luv lolx
thts jus away too..tlk to each other yea it might be dumb but its the truth
it's like an old married couple...lolz XD


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Pastrami Porn: New School vs. Old School
Mile End proprietor Noah Bernamoff gripes about Katz's while an old-school deli sticks to its guns.
Skip to content, or skip to search.
Skip to content, or skip to search.
Mile End proprietor Noah Bernamoff gripes about Katz's while an old-school deli sticks to its guns.
Plus: swine flu is treyf, and DOC wines get boxed, all in our morning news roundup.
Plus, Les Halles hit with a lawsuit and a potential new food reality show, all in our morning news roundup.
Plus: Financial woes for Gordon Ramsay and the Cheyenne Diner gets stripped, all in our morning news roundup.
A new vegetarian option in Murray Hill.
Legal problems at a meat-processing plant cut the national supply of kosher meat, but you can still find plenty in Borough Park.
The 'Top Chef' winner is planning a new restaurant in spring.
The United Kosher Supervision has approved its buttercream-frosted cupcakes and other heart-exploding treats.
A cat that really likes oatmeal, a new food site from 'National Geographic,' and more from our glance at the morning headlines.
The big-box gourmet store comes to Midwood.
Gelato for Windsor Terrace, black bass for your grill, and a bagel for Benoit.
French-Japanese fusion on the way to Charlton Street, kosher workers need protection, and more, in our daily news roundup.
The five steps to becoming a locavore, a preview of the 'Food & Wine' Classic in Aspen, and more, in our morning digest of news and gossip.
Secret Service agents are inspecting the Pope's food and 'Gossip Girl' returns to New York restaurants in our daily food-news roundup.
TONY awards the Mermaid Inn the best place to be seen, inflation is going crazy, and Richman can't take the crowd at Terroir.
The world's leaders are more concerned with feeding their people than resolving the economic crisis, a car accident damaged a Subway location, and Domino's and Pizza Hut are facing hard times.
Pies-N-Thighs is ready for a June (or July) opening, Perilla has a mean duck burger, and La Creperie goes down for the count.


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This is a great concealer.covers all the blemishes,scars red marks and under eye circles.i recommend this to everyone.
Meh not really a fan of this stuff. I usually wear Physicians Formular Concealer RX which is fabolous...I couldn't find it where I've recently moved to so I looked online to find the next best thing. Hard Candy Glamoflauge is raved about so I thought I would give it a try, also that its apparently a tattoo coverup made me more intrigued. People were advising that the colours were really light and had to buy two and mix the light and medium colours together so I went with the medium light. (which is a new shade) Used it under my eyes and I found that it gave me more defined lines and creases rather than covering them up?! On some of my blemishes the product worked well but it was just OK, nothing special. It just doesn't compare to the Physicians Formula at all. I also found it to be a little oily and liquidy and not as thick as I had hoped for. I think maybe I should have gotten the light colour and it may have worked better?! Also I tried to cover up my wrist tattoo and the results weren't too good. Had to put on at least 5 layers and still you could see my tattoo....Im sticking to what I know from now on, you do get what you pay for though as this was $6 but my Physicians Formula is only $9 and its the BOMB.COM!!!
1 out of 1 people found this review helpful. Did you? Yes No
More reviews by sadielovesmakeup06
This is a great industrial strength concealer!!! it is awesome! covers great, and really blends well with the skin. I heard about this from my fav beauty gurus on utube, and glad i got it. it saves my undereye area, stays in place all day, and comes off with a mu remover towellette. it feels a bit like costume makeup to the touch, but give it the chance to do its purpose, I guarantee you will not be disappointed. it does seem to contain some oil, so be sure to wash it off at night, or you may break out, i have not as I wash my face every nite, but that has been my experience with oily concealers in the past. pkging keeps product safe from touching the mass of it, reducing contamination, and easy to get the perfect amout you need withuot wasting product :) go out and gettchu some!!
I never thought a FULL COVERAGE concealer with instructions on the packaging on "how to cover a tattoo" could look so natural. For $6, the tube is HUGE!!!! Especially considering an amount the size of a pencil eraser can cover your entire face (under eyes, nose and surrounding area, blemishes, etc)
Bravo Hard Candy....Bravo!
would HIGHLY recommend to anyone! don't think i'll need to repurchase for years since you get so much in a tube but would absolutely repurchase. My search for the perfect concealer has come to an end :)
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More reviews by SweetCoralOfTheSea
This is my HG concealer for problem areas. I cant live without this stuff. I remember I lost it one day at the movies and I bought it the next day, my foundation doesnt look as flawless without it. It has super heavy coverage, alittle goes a Loooong way, this stuff last forever! You use it for months and its still full. I love to use the pencil To shape around the lips, when I wear Red Lips, or any lips, I dont have to dig in into any concealer with a brush, I just draw around the colored lips with the concealer pencil and its as easy as that!
2 out of 2 people found this review helpful. Did you? Yes No
I use this concealer every day, and it covers better than any other concealer I've owned. I usually use this to cover any discolorations or red marks, then powder and it stays concealed for the day. I live in Canada and this is found from Walmart, and it seems others love it because sometimes when I go to buy it, it's all gone! I have the pencil too but find I don't use it very much, but it has nice pigmentation regardless. I bought it in light, but even with foundation and powder over it, it makes me appear more pale than I already am. That's pretty much the only thing I don't like about it, but it won't stop me from repurchasing in the future in a darker color.
More reviews by scarletwoundsmile
this stuff will cover up anything. my only problem is that it doesn't dry.... especially on my nose. :/
overall, I do like it, it's good for days when I need more coverage/feel like spending more time on my makeup.
More reviews by shoeboxoftrees
When I first opened the tube, a greasy liquid came out first, then the product. The concealer itself has a weird consistency and looks greasy when I squeeze it out. I immediately regretted my $6 purchase. However, I decided to try it out around my jawline in case it broke me out. Once on the skin, it does not look greasy at all. The "ultra light" color matches my pale skin really well. This concealer covers like an absolute dream and stays put once it sets with powder. I am still weirded out by the texture and seemingly greasiness, but I will deal with it.
Another comparable nicely full coverage concealer I've tried is the MUFE full cover, but not only is that $32, it doesn't come in light enough shades to match my skin. It only works on the undereye area because it is pink-toned. The MUFE has a much wider shade selection though, so if you can't find your shade in the hard candy and don't mind shelling out $32 for a concealer, try that one. The consistency is slightly different from the hard candy as well.
The only real CON of this product besides the lack of shade selection is that it is only sold at Walmart. I had to try 3 different Walmarts before I could find the "ultra light" color. What a pain in the butt.
UPDATE: After using this in the morning and leaving it on for 8 hours, my forehead was a greasy mess. If you have oily skin, or an oily t-zone, perhaps this is not the product for you. It still worked great on my cheeks though.
2 out of 3 people found this review helpful. Did you? Yes No
I enjoy this concealer! I don't recommend anyone use this for the under eye area... Because it will set into lines and crease. This heavy duty concealer works great for any discoloration, acne scars, redness, anything! Love it :)
More reviews by KeepFlyyingGirlie
This definitely has some serious pigmentation. I used to use this under my eyes, but now I just use this to cover any sort of dark marks that may arise on my face. I use the pencil included with it on my waterline if I feel like my rims are really red compared to the rest of my skin. Also, the amount of product you get for your money is amazing.
1 out of 1 people found this review helpful. Did you? Yes No


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Blog Watch: Etsy Headquarters in NYC
Posted: Updated:
I had the pleasure to meet two Etsy folks, Randy J Hunt and Dave Brown, for lunch today. Even though Etsy's headquarter is only two blocks away from swissmiss studio, I never had a chance to stop by. That changed today! Dave gave me a big tour and needless to say, I was quite impressed. Not only do they have a fulltime chef (!), they also bought all their furniture and decoration off Etsy. What struck me is that their office is a 100% true to their brand. The office maintains the handmade feel of the products they carry. Impressive.


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Sat, Apr 13, 13 at 8:51
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|Our son and girlfriend are going on a Nature walk this morning, and it's only 45, gonna be chilly for them.
|Fixing to board plane for flight from Guilin to Shanghai!
- Posted by jodi_in_so_calif (My Page) on Sat, Apr 13, 13 at 13:11
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Muslim Scholars' statements about the Caliphate
This is a discussion on Muslim Scholars' statements about the Caliphate within the Islam in General forums, part of the Main Topics category; I am neither with the Hizb or support all there views, but the video has a purpose we can unite ...
- 9th July 2011 #1
Muslim Scholars' statements about the Caliphate
I am neither with the Hizb or support all there views, but the video has a purpose we can unite upon.
- The Following 2 Users Say Thank You to Abdullah11 For This Useful Post:
Abu Yusuf 74 (12th July 2011), Layth (12th July 2011)
- 9th July 2011 #2
- Join Date
- Jun 2006
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- 1,870
Re: Muslim Scholars' statements about the Caliphate
good and motivating.
we are so used to the sell outs and apolitical salafi leaders in the west like yasir qadhi, suhaib webb and many others that we forget that this is actually 'normal' mainstream islam
not the watered down understandings they always try to give in the west.
- The Following User Says Thank You to Intoodeep For This Useful Post:
al-suyuufi (9th July 2011)
- 12th July 2011 #3
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Re: Muslim Scholars' statements about the Caliphate
JAZAKALLAH khair this is really inspirational and informative for all of us if any one of us want to pay attention on such videos too. May ALLAH forgive us and bless us all.
- 12th July 2011 #4
Re: Muslim Scholars' statements about the Caliphate
Jazaak Allahu khayr for posting.
Noticed that it is mostly Egyptian 'Ulemaa who are engaged in this da'wah.أَوَمَن كَانَ مَيْتًا فَأَحْيَيْنَاهُ وَجَعَلْنَا لَهُ نُورًا يَمْشِي بِهِ فِي النَّاسِ كَمَن مَّثَلُهُ فِي الظُّلُمَاتِ لَيْسَ بِخَارِجٍ مِّنْهَا كَذَٰلِكَ زُيِّنَ لِلْكَافِرِينَ مَا كَانُوا يَعْمَلُونَ
{"And is one who was dead and We gave him life and made for him light by which to walk among the people like one who is in darkness, never to emerge therefrom? Thus it has been made pleasing to the disbelievers that which they were doing.'"}
Al-An'aam 122
- 14th July 2011 #5
- Join Date
- Jun 2007
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Re: Muslim Scholars' statements about the Caliphate
Jazak Allahu Khair. Btw they made a mistake in the vid cause shaikh abdullah nahari is moroccan not egyptian.
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main index
In a World where children dream of growing up to become adventurers, their needs are catered to by a set of academies dedicated to providing guidance and teaching for the budding explorers. As a student of Particus Academy, you will learn the ups and downs of dungeon spelunking, with each quest solved and monster slain a step towards graduation.It is with this premise that developer Zerodiv (and localizer Atlus) introduces to us Class of Heroes for the PSP. The game is a throwback to the old days of Dungeon Crawling and is heavily based on Wizardry. Two sequels have been released in Japan with class, balance, and interface tweaks. Three years after its initial release, the first sequel is slated to come to the US care of Monkey Paw Games, whose prior achievements mostly involve getting Japanese titles and a few English-language cult classics released on the Playstation Network.
This series provides examples of:


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By Journal Staff
October 29, 2012
Mari Taylor from the Lake Stevens School Board has been elected as the 2013 president-elect of the Washington State School Directors' Association Board of Directors.
The new vice president will be Chris Nieuwenhuis of the Riverside School Board.
School directors from the state's 295 school districts cast ballots in September in an on-line election. The election process was conducted by a third-party, independent firm to ensure fairness and accuracy.
The association's current president-elect, Debra Long, of the Central Valley School District, was elected last year and will take over as president of the association.
Long, Taylor and Nieuwenhuis will assume their new positions at the conclusion of the association's annual conference in November.
The association's board also includes its past president, which will be current President Mary Fertakis of the Tukwila School Board. The rest of the board includes 12 representatives from director areas in the state. One third of those representatives are elected each year at the annual conference. The representatives are elected to three-year terms.
The association provides professional development, advocacy, policy, informational and other services to the state's school boards and 1,477 elected school directors. The WSSDA board oversees and guides the work of the association.
This year's election was the first to be held online by the association. In the past, the election was held in person during the three-day, November annual conference. The new officers will be introduced and sworn into office at the conference general session November 17.
For more information on WSSDA and its services, visit http://www.wssda.org.
Lake Stevens Journal | P.O. Box 896, Lake Stevens, WA 98258
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Stora Enso Shares Converted
HELSINKI, Finland, Dec. 16, 2013 (GLOBE NEWSWIRE) -- STORA ENSO OYJ STOCK EXCHANGE RELEASE 16 December 2013 at 10.00 EET During the 1- 29 November 2013 conversion period there were three conversions and a total of 49 568 A shares were converted into R shares. The shares were recorded in the Finnish trade register today, 16 December 2013, and trading in the new R shares will start on 17 December 2013. Breakdown of shares after conversion:
|A shares
|177 096 204
|R shares
|611 523 783
|788 619 987
Each A share and each ten R shares carry one vote. The total amount of votes after conversion is 238 248 582. For further information, please contact: Ulla Paajanen-Sainio, SVP, Investor Relations, tel. +358 2046 21242 www.storaenso.com www.storaenso.com/investors Stora Enso is the global rethinker of the paper, biomaterials, wood products and packaging industry. We always rethink the old and expand to the new to offer our customers innovative solutions based on renewable materials. Stora Enso employs some 28 000 people worldwide, and our sales in 2012 amounted to EUR 10.8 billion. Stora Enso shares are listed on NASDAQ OMX Helsinki (STEAV, STERV) and Stockholm (STE A, STE R). In addition, the shares are traded in the USA as ADRs (SEOAY) in the International OTCQX over-the-counter market. STORA ENSO OYJ
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Easy-to-follow video tutorials help you learn software, creative, and business skills.Become a member
Everyone who takes photos professionally or personally, is involved in an unprecedented sea change, the mass transition to digital photography. That shift has changed not only the way we shoot photos and videos but just as importantly, the production tasks that we photographers now face after a shoot. With the advent of digital, we now need intuitive, quick-to-use controls for processing our photos in our computers. We need an efficient digital asset management system to organize our large and growing volume of digital photos and videos.
And we need ways to easily share our photographic work online as well as in print. Lightroom was designed to do all that for photographers, to help us with photo management, with processing and with sharing, and depending on which of those kinds of tasks you're doing, you'll work in the corresponding module or work area in Lightroom. The modules are listed in the module Picker which is at the top of Lightroom's interface in every module. The order of these modules roughly corresponds to a typical photo production workflow, so you just move through them from left to right.
Now, let's dig a little deeper into how Lightroom fits into a typical photo work flow so you can understand what you can accomplish in Lightroom. Typically after a shoot, you'll start in a library module where you'll import photos from your camera's memory card into Lightroom's catalog system. You can also import and organize your existing photos from your computer or from any external drives on which you store them. After you import photos into your computer, you're probably be eager to review those photos in the Library module, evaluating and marking your picks and rejects from a shoot.
It's a good idea to also apply keywords and organize photos and videos into collections right after a shoot so that those management tasks don't become so big that they're daunting. After you perform some management tasks, you'll process your pictures from a shoot in the next module, the Develop module. Here, you can crop and straighten photos. You'll adjust color and tonal values globally, and you'll fine-tune some of your photos with selective corrections to local area. You'll often finish processing with Lightroom's powerful noise reduction and sharpening controls.
Now that you finished organizing and processing photos, all that's left to do is to output them in ways that showcase your work in the best possible light. Lightroom offers lots of choices for presenting and sharing your work. You can use maps to display your work by location, you can make photo books that you order as professionally printed books or that you save as PDF's for display online. You can create a slideshow or a Web gallery and you can share to social media sites and by e-mail directly from Lightroom.
That gives you a sense of the many things you can do with your photos and videos in Lightroom 4. In the movies to come will be diving into many of these capabilities in more depth so stay tuned.
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DEI Ex-Dividend Reminder - 6/26/13
Looking at the universe of stocks we cover at Dividend Channel, on 6/26/13, Douglas Emmett Inc (DEI) will trade ex-dividend, for its quarterly dividend of $0.18, payable on 7/15/13. As a percentage of DEI's recent stock price of $23.41, this dividend works out to approximately 0.77%, so look for shares of Douglas Emmett Inc to trade 0.77% lower — all else being equal — when DEI shares open for trading on 6/26/13.
Click here to learn which 25 S.A.F.E. dividend stocks should be on your radar screen »
Below is a dividend history chart for DEI, showing historical dividends prior to the most recent $0.18 declared by Douglas Emmett Inc:
In general, dividends are not always predictable; but looking at the history above can help in judging whether the most recent dividend from DEI is likely to continue, and whether the current estimated yield of 3.08% on annualized basis is a reasonable expectation of annual yield going forward. The chart below shows the one year performance of DEI shares, versus its 200 day moving average:Looking at the chart above, DEI's low point in its 52 week range is $21.55 per share, with $28.59 as the 52 week high point — that compares with a last trade of $23.41.
According to the ETF Finder at ETF Channel, DEI makes up 3.62% of the iShares FTSE NAREIT Industrial/Office Capped Index Fund ETF (FNIO) which is trading lower by about 1.3% on the day Monday. In Monday trading, Douglas Emmett Inc shares are currently off about 2.8% on the day.
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Friday, May 25, 2012 - 6:44am
Art and science don't have to be enemies all the time. The Federation of American Societies for Experimental Biology (or FASEB, which is pronounced just like you think it is) asked a bunch of researchers funded by the National Institutes of Health to submit "captivating, high resolution images that represent the cutting edge of 21st century biomedical research." FASEB chose ten winners, which we've got for you in a seizure-inducingly colorful gallery below.


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In 1962, the Nobel Prize was awarded to three scientists, James Watson, Francis Crick, and Maurice Wilkins, for their work in discovering the fundamental structure of DNA: the double helix. Today, Watson, Crick, and Wilkins maintain international prestige for their findings.
But few realize that much of what we understand about DNA's composition is, in fact, owed to the work of just one scientist. A woman. Her name was Rosalind Franklin, and it was her X-ray images of DNA that paved the way for Watson, Crick, and Wilkins' discovery.
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On Where We Live, our panel of guests talks about the challenges women face in pursuing STEM careers. We also hear from Vivek Wadhwa, who covered gender bias in Silicon Valley. What impact is this having there? And how do we close the gender gap?
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Counterparties: Passing Abenomics
Welcome to the Counterparties email. The sign-up page is here, it's just a matter of checking a box if you're already registered on the Reuters website. Send suggestions, story tips and complaints to firstname.lastname@example.com.
The world is questioning the effectiveness of Abenomics — the economic policies advocated by Shinz≈ç Abe, the prime minister of Japan. Abe'Äôs plan to revitalize the country'Äôs sluggish economy seemed to be working, as reflected in the Nikkei which soared to around 15,100 in May from 10,395 in December. That has changed: the Nikkei fell 7% yesterday and is down 20% since its May high, closing at 12,445 Thursday. Swiss hedge fund manager Felix Zulauf said Japan would ¬Ý'Äúcause the next big global crisis'Äù.
The reality is it is probably too soon to tell whether Abenomics is working. The prime minister's three-pronged plan is certainly ambitious. In order to do "whatever it takes" to hit a 2% inflation target, the Bank of Japan is flooding the markets with money and the government has implemented major fiscal stimulus. Last week, Abe proposed a growth strategy that includes a target to lift per-person income by 40% over 10 years and "a series of deregulated and lightly taxed zones around the country". Abe has said this is the most important of the three prongs, but The Economist notes that the announcement "left many disappointed by its timidity".
As far as growth goes, David Keohane points out that "it's hard to escape the effects of demographic determinism." Japan has an aging population, a very low fertility rate, and Abe has not yet proposed a great solution to fix this.
What Japan does have going for it is low unemployment, although as Noah Smith has pointed out, a lot of that has to do with falling real wages and¬Ýwomen opting out of the labor force. But Joseph Stiglitz is still bullish on Japan, noting that 'Äúwe see that even after two decades of 'Äòmalaise,'Äô Japan'Äôs performance is far superior to that of the United States'Äù ¬Ý– if you consider a broader range of factors like inequality and life expectancy. The Nikkei is still up almost 20% since the beginning of the year. ¬Ý– Shane Ferro
On to today's links:
The Fed
Ben Bernanke would very much like you to stop overreacting to what Ben Bernanke says – Jon Hilsenrath
With 3 unemployed workers for every job opening, "the labor market is still pretty much murder" – The Atlantic
New Normal
The biggest economic mystery of 2013: What's up with inflation? – Matthew O'ÄôBrien
Everyone gets a college degree! (sort of) – NYT
Junk bonds and treasuries: negatively correlated no more – Sober Look
How the music industry explains American inequality – Alan Krueger
The problem of investing in the US Postal Service – WSJ
Rival hedge funds are pretty excited about SAC's problems – Reuters
Big Brother Inc.
Washington's double standard: "Secrets are sacrosanct until officials find political expediency in leaking them" – Jack Shafer
The secrecy industrial complex – David Rohde
Josh Barro takes down CAP's recommendations for the economy – Josh Barro
The geography of hunger in America – Atlantic Cities
Fiscalists vs market monetarists, a bloggy taxonomy – Cardiff Garcia
CEO's aren't that excited about the US economy – Business Roundtable
And, of course, there are many more links at Counterparties.


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28 December 2014
Book Reviews
CW Games
Fantasy Cricket
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Stats Spider
Sid Barnes - The Turnstile Hurdler and Other Stories ......
Martin Chandler | 6:35am gmt 06 Jan 2012
The Turnstile Hurdler, ready for twelfth man duties.
Sid Barnes' father did not live to see his younger son born, let alone witness any of his achievements on the cricket field, and doubtless that contributed to the man that he became. He was therefore brought up by his mother, clearly a formidable lady who must have been a huge influence on his personality. If losing her husband were not enough, shortly after Sid's birth in 1916 Jane Barnes was diagnosed with breast cancer and made what must have been the extraordinarily difficult decision, given the state of medical science at the time, to have a double mastectomy. That it was the right decision cannot be doubted - she lived another 60 years.
The lady was also a shrewd businesswoman. After her husband's death she moved the family into the city of Sydney and used the proceeds of his estate to purchase a number of properties, the family income being the rents from those, and the profits from a taxi business that was built up over the years. The son clearly, like his English namesake from an earlier time, knew his own worth, and acquired an entrepreneurial flair from the mother. Barnes was not keen on playing cricket as an amateur and his Test career suffered as a result. He was happy to come to England, where commercial opportunities aplenty were to be found, but he rejected the 450 pounds on offer to tour South Africa in 1949/50 as insufficent, and even when England toured Australia in 1950/51 he chose to accept a lucrative contract to spend the series in the press box, rather than make himself available for selection. On a smaller scale, but perhaps a better way of illustrating the point, in 1948 a UK tobacco company paid each of the Invincibles five pounds to appear in a brochure. Only Barnes was missing, the company baulking at the fifty pounds he demanded.
Not that Barnes was motivated solely by the acquisition of money. He raised substantial amounts for charitable causes by, with the assistance of Bill O'Reilly, showing films that he had taken during his career. On a more personal level after the war he sent food parcels to friends in London, and when New South Wales teammate Bill Alley suffered three bereavements in rapid succession a couple of years later Barnes helped him with the funeral and other expenses.
Barnes also had a sense of humour, albeit an unpredictable one, and as a couple of tales illustrate he was also wont to take things too far on occasion. In England in 1948 when the Invincibles played Leicestershire umpire Alec Skelding would not give them anything. Barnes chuntered away at the umpire who, himself something of a comedian, wrote Barnes a note later explaining he had left his guide dog outside the ground. When the two met again at the Oval later on the tour a small terrier that ran on to the outfield gave Barnes an opportunity he could not resist. He picked the animal up and ran over to Skelding with it. Apparently Barnes did not know that Skelding was terrified of dogs, and much amusement resulted from the sight of an umpire in a First Class match running hard for the pavilion being chased by a fielder with a small dog in his arms.
The second incident was, effectively, the last act of Barnes' Sheffield Shield career and came in a game for New South Wales against South Australia in November 1952 in which he did not even play. He had been hoping to get back in the Test side and, having made runs against the touring South Africans immediately followed by a big hundred against Victoria, he thought he had done enough, as indeed did everyone else bar the selectors. Once he was left out, and knowing his chance was gone, Barnes asked to be twelfth man for the South Australia game and, having gained permission from the umpires, his final on-field joke came during a drinks interval. Barnes emerged in a lounge suit and sunglasses carrying a basket of drinks in one hand and a radio in the other. He offered cigars to the players, a quick style make-over to Keith Miller, and a spray of scent to any fielder who wanted one. The crowd enjoyed the joke initially, but Barnes theatrics went on too long and the spectators began to jeer him. Any residual goodwill towards him vanished when, his concentration obviously broken Dean Trowse, a promising young South Australian batsman, was dismissed immediately after the eight minute interval.
To return to his cricket Barnes is one of the great "What ifs" of the game. Many cricketers lost their best years to the Second World War, and many amateurs found the call of business too loud to ignore, but add to those factors the controversies that deprived Barnes of even more opportunities and one is left with a man who played just 13 Tests. His record in those remains an impessive one. He averaged more than 60 and, in the nine Tests he played against England, north of 70. For all his high jinks Sid Barnes was a fine batsmen and at his best as close as anyone in his era got to Bradman. In the last Australian summer before the war he scored six centuries and averaged 75 in just eight matches. In the first season afterwards it was seven matches, five centuries and an average of 88.
In his earliest days Barnes was an aggressive stroke player and although he was never dull he did, with experience, cut out some of the shots that he felt presented unnecessary risks. He was a great admirer of Bradman and the key to his success was described in a 1948 pre-tour brochure as
Barnes gets further behind the flight of the ball than any Australian batsmen except Bradman, and times his strokes to the split second
. Whilst doubtless disapproving strongly of some of his antics, Bradman in turn had a great deal of respect for Barnes. As well as his batting Barnes was a good enough wicketkeeper to take a share of those duties on the 1938 tour and was a very fine, and totally fearless, close fielder particulariy at silly mid-on. If that were not sufficient his wrist spin repertoire, which included an excellent top-spinner, would doubtless have brought him many more than 57 First Class wickets at 32 had he had more time to devote to it.
After just one full season of Shield cricket Barnes came to England with Bradman's 1938 side although, thanks to a broken wrist sustained on the voyage over, the tour was half over by the time he was fit enough to play. He made the Test side only for the final match at the Oval, where Hutton scored his 364 and England won by the small matter of an innings and 579. Australia, missing Bradman and Fingleton through injury, could make no impression on England's massive 903-7 (Hammond finally declared only when assured Bradman was not fit to bat), but Barnes scored 41 and 33 and emerged from the wreckage with credit.
The next clash between England and Australia was eight years later in 1946/47 and Barnes was a certain starter and, apart from the fourth Test when an attack of fibrositis kept him out, he played throughout the series and averaged 73. At Sydney in the second Test he shared a fifth wicket stand of 405 with Bradman and went on to score 234, exactly the same score as the great man. He maintained he did so deliberately out of respect for his captain, although many doubted it were as simple as that. Rather more accepted that while Barnes might well have engineered his own dismissal, the reason would not so much have been his respect for Bradman as the commercial possibilities he saw in the situation.
It was the third Test of the series where the infamous turnstile incident occurred. It is utterly trivial in itself, but came back to life with a vengeance five years later. There are various versions of the story. Barnes own account was that he had met friends outside the ground to give to them the two complimentary tickets that he, as a player, was entitled to. He was not out overnight but, because he had forgotten his own pass into the ground, the turnstile attendant would not allow him into the ground nor would he send for anyone to vouch for his identity. Eventually Barnes took matters into his own hands and vaulted the turnstile and made his way to the dressing room. As he was padding up a member of the NSW Board told him he should apologise to the Chairman of the MCG. He refused, pointing out the absurdity of the alternative scenario of his being stuck outside the ground as the innings resumed. That, officially at least, was that for the next five years.
It has been said that in fact Barnes had sold not only his complimentary tickets but his own. On the other hand one of his teammates was adamant that in a spontaneous gesture of goodwill Barnes had given his own ticket to a frail old lady who was desperate to get into the match. Another variation has the attendant more than willing to let Barnes in, but just wanting him to provide a signature and Barnes not wishing to wait while a pen and paper were located. In any event what actually happens matters little - the dressing room snub was undoubtedly, to the extent that there was one, the key part of the incident.
The 1946/47 series over Barnes secured employment with a wine and whisky firm which involved travelling to England to promote their products. As his journey started Barnes heard that soap was in short supply in England. In keeping with his reputation as he left he sourced and took with him several hundred bars - they proved a useful investment. On arrival he also signed a lucrative contract to play as Burnley's professional in the Lancashire League. To get his eye in before travelling north shortly after he arrived in England Barnes did ask the MCC for facilities to have a net at Lord's - they declined - a snub that, as we shall see, Barnes did not forget.
Although Barnes did well at Burnley he retained the right to give a week's notice to terminate the contract, a step he took part way through the season once he found that the club's midweek games deprived him of a number of valuable business opportunities.
Professional contracts in English league and/or county cricket had spelt the end of any international career for the likes of George Tribe, Bruce Dooland, and Cec Pepper. Barnes must have expected problems in getting his Test place back particularly as he had also brought his wife and family to England with him and in addition that factor would potentially, conflict with the Board's strict "no wives on tour" policy.
That Barnes Test career did not end in 1947 was largely as a result of Bradman's decision to accept the captaincy for 1948. The effect of this was twofold. The first factor was that for Barnes there was the attraction of playing with his hero, and his willingness to make sacrifices to achieve that. Secondly, and equally importantly, was Bradman's desire to go through the tour unbeaten and the consequent importance to him of having available the man who, after himself, was Australia's best batsman.
Having made the decision to travel home alone Barnes did not arrive in Australia in time to reclaim his place for the start of the series against the touring Indians in 1947/48, but he was back for the third Test and did enough to ensure, given Bradman's influence and his own promises about his family remaining in Scotland throughout the 1948 tour, to get on the boat to England with the Invincibles.
That Barnes was not entirely popular in England is clear. The normally effusive Neville Cardus felt the need to say of him in a pre-tour publication;
Here is a cricketer of challenging character. He can be very annoying. His enemies - and he makes them indiscriminately - maintain that he is an exhibitionist.
In the first Test Barnes needled some as, following his scoring what he believed were the winning runs, he charged off the pitch, stumps gathered as souvenirs, only to find another run still needed. At Lord's in the second Test he had his revenge after the snub from the previous year. Having backed himself to the tune of eight pounds at odds of 15-1 to do so he spent more than four hours in the second innings grinding out a century. Having got there he then took less than twenty minutes to add another 41 before being dismissed. Contemporary reports describe vividly the fire in his eyes as he looked towards the committee rooms as he reached three figures.
In the third Test Barnes had the headlines again albeit for different reasons. Having heard Denis Compton counsel his batting partner, Lancashire pace bowler Dick Pollard, to defend at all costs, Barnes was in his usual position as Ian Johnson tossed his off breaks up in an effort to tempt the man known affectionately as "t'owd chain horse". Pollard disobeyed Compton and struck one delivery with such ferocity and timing that, had Barnes ribs not got in the way, it would surely have ended up out of the Old Trafford ground. As it is history leaves us with an image of Barnes being carried from the pitch, clearly in great pain, by four burly Police Officers. However great his pain was it did not prevent Barnes checking almost immediately with Bill Brown that he had captured the whole incident on film. His reputation in Cardus country was not helped by his then choosing to bat next day, and retiring hurt and being carried off again after scoring just a single. He missed the fourth Test as a result of the injury but was back for Bradman's finale at the Oval, and he ended up averaging 82 for the series. He did not play Test cricket again, but his story has a few twists yet.
As noted Barnes gave Australia's next two series a miss and indeed one Testimonial match for Bradman apart, he did not play in a First Class match for the next three years. By 1951/52 though his appetite had returned and he wanted to play for Australia in their upcoming series against the West Indians, who had carried all before them in England in 1950. In the first two Tests Ken Archer opened the batting with Arthur Morris but did not do well. Barnes and Morris then posted an opening partnership of 210 in a Sheffield Shield game just before the selectors announced the side for the third Test and, his old captain Bradman amongst that committee, Barnes was named in the squad. The Board however vetoed the selection for reasons that, at the time, were identified as merely
other than cricket ability
Barnes was met with a wall of silence as he tried to find out more until, in late April 1952, a letter appeared in the Sydney Daily Mirror. The paper had earlier published a piece strongly critical of the Board and then published a letter from a member of the public that, effectively, asserted that the Board would not have acted as they did without good reason and that Barnes ought to be grateful that they had not disclosed why they had done so. The author of the letter received a libel writ. He of course pleaded that his words were true and, as the law permitted him to do in light of his defence, subpeonaed the Board members to give evidence and the truth came out.
There were three reasons eventually teased out of the witnesses. The first was the turnstile incident that I have already dealt with. The other two both came from the 1948 tour. One was Barnes having taken photographs at Lord's in the match between the tourists and Middlesex when the teams were presented to King George VI and Queen Elizabeth. Barnes had been told afterwards by the secretary of the MCC that he should not have taken the photographs as the club had sold all the ground's filming rights to an agency. Barnes did not know that, and had earlier asked for and been granted permission by the club President, who clearly did not know either.
The second incident involved a game of tennis Barnes had had with teammate Toshack during play in the tour match at Northampton, the issue being that Toshack was supposedly twelfth man at the time. Four years on whether Toshack was in fact carrying out those duties whilst playing in the impromptu game was a moot point, but the issue hadn't been raised when it occurred, and it was never established exactly what happened. But what the Board could not dispute was that at the end of the tour Barnes received his good conduct bonus in full and his behaviour on tour was reported as being exemplary. Not surprisingly the Defendant's case fell apart and he settled on the basis that he agreed to pay Barnes' costs, and his counsel made what amounted to a valedictory speech on Barnes' behalf.
Unsurprisingly there is a good deal of material available on this case almost all of which seems to suggest it was a genuine piece of litigation. Sixty years on and from the other side of the world, with absolutely no new evidence to look at, I am not really in a position to comment, but surely the case bears all the hallmarks of a sham? The Defendant, Jacob Raith, was a past President of Barnes' club, Petersham, and although he and Barnes both suggested otherwise they must surely therefore have been known to each other? Why was the Sydney Daily Mirror not joined as Second Defendant? Why was a proper attempt not made to accomodate the convenience of Bradman, uniquely selector and Board Member, to enable him to attend to give evidence? I wonder if Raith ever paid Barnes' costs, or if they were picked up by the newspaper, or Wm Kimber and Co, who published Barnes autobiography the following year, or perhaps by Barnes himself? Indeed did Mr Raith ever pay his own costs? or were they paid by someone else? Perhaps, having practised law for many years, I am too cynical, but the whole thing seems like a put up job to me, although from what I have read the only man who had a real handle on what was going on was, perhaps inevitably, Sir Donald Bradman.
By the time the case came on for trial, by today's standards indecently rapidly just under four months after Raith's letter originally appeared, the West Indies series was over but, his eyes on the first South African visit for twenty years, and another Ashes trip immediately afterwards, Barnes had not given up hope of a last hurrah. He did all he realistically could to make it happen but, once it became clear he was wasting his time, his career finally ended shortly after the twelfth man in a lounge suit incident took place, when he started for New South Wales for the last time on New Year's Day 1953 against South Africa, a game remembered for the full flowering of the precocious genius of Ian Craig, another man who never came close to fulfilling his potential.
That is not to say that Barnes was not in England in 1953 as he was, lampooning and lambasting in his own inimitable way through his newspaper column , and publishing a hard hitting account of the series after the tour . Barnes took no prisoners with his writing and declared that, had it not been for visits to nightclubs, the Australians would have won three of the Tests. He accused the team of socialising too much and being rude and disrespectful to their hosts. He was particulary harsh on his old friend Miller, who he said shirked his duties whenever there was a race meeting that he wanted to attend, and of malingering in order to be at Epsom for the Derby. The team also, according to Barnes, neglected net practice in order to prioritise business opportunities.
Barnes picked up much criticism for the content of his book and newspaper writings, and ruffled more feathers with his autobiography when that was published later in 1953. A further book on the 1954/55 series was more of the same. His writing and other business interests brought Barnes financial security but he seems never to have found real happiness. He suffered from severe depression and took medication and also underwent Electric Shock Treatment. Life in the Barnes household was later described by his daughter as "sheer hell" and his wife took refuge in the bottle. Finally in 1973 Barnes took an overdose of prescription drugs and died, aged 57, one of the not inconsiderable band of Test cricketers to have taken their own lives.
To stir Cardus to comment in the manner he did Barnes must have been a difficult man to like, but I believe that that was for reasons that were more a reflection of the prevailing English attitudes of the time in which he lived rather than any inherent character defects. I doubt he would have been such an
enfant terrible
were he playing today, and suspect that the best summary of him comes from a man who was the closest thing Australia produced to a kindred spirit to Cardus, Ray Robinson, who wrote in 1951;
In all the criticism of Barnes for flagrant showmanship and cross-grained behaviour, the most severe comments come from those who knew him from afar, the least from cricketers who have played with and against him.
I delivered some drinks to Alan McGilvray's house back in the early 1990's & being a mad cricket fan I loved talking with him. In regard to the 234 innings equalling Bradman's on the same day, Alan said that Sid had a bet that he would equal the Don's score that day & that was why he threw his wicket away, has anyone else heard this version?
Comment by Barry Joseph | 4:14am gmt 20 Jun 2012
Hi guys, nice to read some more about my grandfather (he died when I was one). My mum still tells me stories and his son, Sid Jnr, my uncle, is coming to see me tomorrow. Keep the stories coming!
Comment by Kirsty Sleep | 9:09am gmt 09 Feb 2012
My father, a quiet, unasssuming man and very competent cricketer, always told me that Sid Barnes was the best batsman he ever saw.
Thanks for a great summary of Sid Barnes\' life.
Comment by Tim | 2:19am gmt 26 Jan 2012
It didn't mention one Sid story though. Early on in the Invincibles tour Aus almost lost a low scoring match against Yorkshire. Bradman responded by saying 'Either Sid or I will have to play every match'. And that pretty much happened (They both didn't play in the Uni and minor county matches)
Comment by Spikey | 12:29pm gmt 06 Jan 2012
Yet another gem Fred. :-)
Still the second highest average of anyone with more than 1,000 Test runs. Pleased that Spikey mentioned that quote from Bradman - a great compliment, and one of the finest indicators of Sid's ability.
Ernie Toshack said that Barnes was the best batsman he ever bowled to - and while Toshack never bowled to Bradman, it's worth noting that he did bowl to Hammond (albeit past his best), Hutton and Compton, so this was high praise indeed.
Another for the "what might have been" files. :(
Comment by The Sean | 12:53pm gmt 06 Jan 2012
The other great Barnes story was on the boat over in 48. The team did thousands of autograph cards on the voyage but Barnes CBF so he paid a cabin boy to sign for him.
Trouble was the lad spelt his name wrong so a batch of about 500 had to go overboard.
Comment by Burgey | 1:05pm gmt 06 Jan 2012
A great read. Always thought he was harshly treated by the powers that be.
They really thought of ridiculous reasons to exclude blokes back then. Bit like John Benaud and the rubber soled shoes in the late 60s-early 70s.
Comment by Burgey | 12:22pm gmt 06 Jan 2012
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Overview of Nursing License Requirements
Nurses work under the supervision of physicians in healthcare facilities, such as community health centers and hospitals. Nurses are often responsible for helping treat, diagnose and educate patients about their health. All nurses are required to take the National Council Licensure Examination (NCLEX) and become licensed in order to work in the United States.
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A nurse cannot apply for his or her license unless he or she has attained the proper education and has a degree from an accredited school. Aspiring registered nurses (RNs) may earn their associate's- or bachelor's-level nursing degree at a junior college or university, respectively. The school should be accredited by the National League for Nursing Accrediting Commission (NLNAC).
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The NCLEX-RN is a multiple choice test that can last up to six hours. The exam is administered by computer. Results are available one month after the testing has been completed, and scores are mailed out to test-takers through their state boards of nursing. Assuming all of the necessary application materials have been submitted, a passing score qualifies a candidate to become licensed as an RN in his or her state.
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Jail theft, vandalism
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|13 For you said to yourself, 'I will ascend to heaven and set my throne above God's stars. I will preside on the mountain of the gods far away in the north.
|13 You said in your heart, "I will ascend to heaven; I will raise my throne above the stars of God; I will sit enthroned on the mount of assembly, on the utmost heights of the sacred mountain.
|Scripture quotations marked NLT are taken from the Holy Bible, New Living Translation, copyright 1996. Used by permission of Tyndale House Publishers, Inc., Wheaton, Illinois 60189. All rights reserved. (New Living Translation - The Bible Online)
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(Updates with quote in the fourth paragraph.)
July 4 (Bloomberg) -- South Korean regulators will begin assessing the financial condition of savings banks this month to determine whether they are sound enough to receive government aid or should be sold.
The government will review 85 of the 98 savings banks operating now and announce the results of the inspection by late September, the Financial Services Commission said in an e-mailed statement today.
South Korea is tightening supervision of small lenders after construction loans soured following a real-estate market slump. The National Assembly on June 1 agreed to conduct a probe of savings banks amid growing speculation that regulators overlooked illicit activity at the lenders.
"Unless there are excessive deposit withdrawals causing a liquidity crunch, we won't suspend any savings banks because of financial weakness until late September when we announce the results of the review," the FSC said in the statement.
Lenders with a capital-adequacy ratio higher than 5 percent under Bank for International Settlements criteria will be able to receive state funds if they want, the regulator said. The government may sell bonds to help fund the recapitalization, it said, without elaborating.
Swift Sales
State guarantor Korea Deposit Insurance Corp. will seek swift sales of non-viable savings banks after the review, according to today's statement. Banks with a BIS capital ratio below 5 percent may be shuttered unless their financials improve within six to 12 months.
Regulators suspended eight savings banks earlier this year because of bad loans. The government has ordered the sale of seven of those lenders, while Woori Finance Holdings Co. took over some assets of Samhwa Mutual Savings Bank in March.
Combined assets at the country's savings banks dropped 2 percent to 74 trillion won ($70 billion) at the end of March from three months earlier, and deposits fell 2.8 percent to 64.4 trillion won, today's statement showed.
The banks had combined losses of 48.7 billion won for the nine months ended March, compared with 333.3 billion won of losses posted in the year ended June 2010, the FSC said today. Some 68 percent of the lenders posted profits.
--Editors: Russell Ward, James Gunsalus
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Home About IFAC Publications & Resources Mejoras a las NICSP 2011
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