text: ___________________ COMBINED FEDERAL CAMPAIGN COMMUNICATIONS KIT Success Stories America's Charities Success Story Former Teen Smoker Takes Lead on Anti-Tobacco Youth Movement Former smoker Raymond Lader, 17, lost his father and several family friends to tobacco-related illness. His losses turned him into a leader among anti-tobacco youth advocates, and the CAMPAIGN FOR TOBACCO-FREE KIDS has named him National Youth Advocate of the Year for 2000. Ray was honored along with five regional winners at a May 12 gala at the Ronald Reagan Building in Washington, D.C. Now in its fifth year, the Youth Advocates of the Year Awards recognize the powerful role young leaders play in solving the national epidemic of youth tobacco use. The senior at Charlotte High School in Punta Gorda, FL, will be busy representing the CAMPAIGN this year at youth summits and advocacy training efforts nationwide. This summer, he"ll start helping to develop a new youth section on the CAMPAIGN web site. Ray has lobbied at the Florida capitol in Tallahassee for tobacco settlement funds for tobacco prevention, and served as president of his high school"s chapter of SWAT (Students Working Against Tobacco). He has convinced local restaurants to go smoke-free, raised more than $3,300 for the American Cancer Society Relay for Life and performed anti-tobacco puppet shows for more than 2,600 students. "…When I return to the schools the next year, I have kids run up to me and say they remembered me and that they were offered a cigarette and said no because of what I had told them about it," said Ray. "I may have only touched one kid, but that is one the tobacco companies cannot get." Animal Charities of America Success Story Story Contributed by ACA Member Marine Mammal Center Artemis (Eumetopias jubatus) A rare Steller sea lion pup just a few weeks old, Artemis was observed and then admitted to The Marine Mammal Center's hospital when her mother failed to return after two days. The Steller sea lion population has suffered an 80% decline since 1965 and is on the U.S. Endangered Species List-this fragile pup is one of only about 500 Stellers left in waters off California. Rescuing Artemis was her only chance for survival. The Marine Mammal Center rescues stranded marine mammals like Artemis that are injured, sick or orphaned, and rehabilitates them back to the wild. Feeding Artemis initially posed a challenge since she did not have an adequate suckling response. Nine months of intensive rehabilitation by dedicated staff and volunteers lead to her graduation from round-the-clock bottle feeding to learning to eat fish. Artemis was then successfully released back to her ocean home. Outfitted with a satellite transmitter, we learned that Artemis was diving and foraging just like a wild-raised Steller. Monitoring released animals helps determine the efficacy of our rehabilitation efforts. Visit our website at www.tmmc.org to see photos of Artemis, and learn more about these amazing creatures of the sea. Children's Charities of America Success Story Story contributed by CCA member BOOKS for the BARRIOS A public schoolteacher in a remote rainforest of the Philippines evaluates our book donation project: "Our existing school libraries have only a few shabby old books, mostly donated and mostly informational! With your beautiful books now available we can entice our children to love books and therefore develop their reading habit at an early age. The pupils flock to the library during off-hours just to see the books out of curiosity, and many are actually spending time to read them. What a magical experience! By putting up this library, you have not only made education in our school effective, but also attractive and enjoyable. I know what I am talking about because I grew up in a barrio. I can still remember how happy I was when I received my first picture book, a textbook actually, and how I loved the stories it contained, and how I would look and look at the pictures and savor their colors and import. Bringing joy to children in the classroom, what better service can one give? The angels watching these children must have been smiling all day seeing their wards excitedly feasting with their minds and hearts on these beautiful materials." Christian Charities USA Success Story Testimonials contributed by CCUSA member Bible Believers Fellowship's "Through Bible Believers Fellowship's abundant generosity of inspirational booklets, pamphlets and newsletters, it has had a definite positive impact on the inmate population, and we appreciate their faithful, dependable, God-loving charitable hearts." - Chaplain Bill Lindsey, Wm. Donaldson Facility (Bessemer, AL) "I want to say that my studies through the Spanish ministry of Bible Believers Fellowship has been an exciting and fulfilling time in my life... The personal guidance and devotion by the staff has turned many rainy days of depression into days filled with sunshine through their constant beams of hope and encouragement. Praise the Lord!" - Nidia Vargas, inmate at Orleans Parish Prison (New Orleans, LA) "Bible Believers Fellowship has been there to supply any request we have for ministry tools, whether tracts, books, videos. Any church, organization, or individual will be blessed by the Lord greatly if you support this ministry..." - Chaplain Robert Watkins, Huttonsville Correctional Center (Huttonsville, WV) "With Bible Believers Fellowship's help, I have received the badly needed material that a young Christian behind bars needs to grow in the Faith. I and all of this ministry thank you for all your help in our time of need. Thank you again and may the Lord bless your ministry for ever." - Omar Arias, inmate at Hamilton Correctional Institution Annex (Jasper, FL) Christian Service Charities Success Story The Pain Is in the Details Thursday, April 18, 2002 Marquita Lindsay is surprisingly optimistic for a 16-year-old growing up in a tough American inner city. She has a winning smile and enviable people skills. She loves children and they regularly gravitate to her loving, nurturing personality. In fact, she dreams of someday becoming a pediatric nurse. But Marquita is not naive to the dangers of inner-city living. She has seen friends succumb to the temptations of alcohol, drugs, and sexual immorality. And she has seen many more teens overrun by feelings of hopelessness and uncertainty. Marquita is only one of 14 million at-risk American children who witness daily the emotional and physical effects of poverty. But as a budding poet, she is extra sensitive to its devastation. In a recent poem, Marquita offers an honest look at poverty's teenage victims: I sit and watch my brothers and sisters get wasted away. And for what? For a quick sensation. And when it leaves, you feel the way you felt before you used it. I look around and see my sisters no older than 17 throw their lives away just because they feel a need to be loved. They turn to a boy or a man, and in the end there is a child. I sit and watch my brothers give their lives over to the streets because they feel that there is no other way to go. They put their lives in danger for wanting to be popular, have money. And they think that makes them grown. But it don't ... The kids Marquita writes about are not halfway around the world. They are in our own backyard. They are in our cities, on Native American reservations, and in poor rural communities. They are easy to overlook, but they are precious to God, and He is calling us to take action on their behalf. Community Health Charities Success Story Tyrell's Miracle Time Local Chapter of National Easter Seals of Washington, D.C. Charity that helped: Easter Seals Two-and-a half year old Tyrell is a vibrant young boy. But there was a time when Tyrell struggled for life. Tyrell suffered an in utero stroke. His doctors are not sure if the stroke happened while he was in his mother's womb, or when he passed through the birth canal. Worse, doctors didn't detect Tyrell's medical problems immediately. It took four months to discover the extent of the damage. Tyrell's family knew something was wrong. His parents had sought medical care often because he simply was not doing the things that a newborn normally did. The stroke had left him without the ability to do anything but lie still. His parents were advised that some children develop slower than others do. They were ensured time and again that their son was health and that they should not compare his progress with that of his older sister Tyra. At the age of four months, Tyrell had his fist seizure. A CAT scan revealed brain damage and epilepsy. The stroke had also left Tyrell with paralysis on the left side of his body. His family was devastated. Tyrell's parents were advised that they should focus on getting his seizures under control with medication, and that they should face the fact that their son would be disabled for the rest of his life. Theodore, Tyrell's father, a Combat Engineer in the United States Army, was advised to take his son to Walter Reed Hospital in Washington, DC for a second opinion. Treatment got Tyrell's seizures under control. At eight months Tyrell began receiving therapy through a local program, but he needed additional care. Two months later Tyrell's therapy was enhanced by in- home and Center-based therapy offered through the Easter Seals Child Development Center. Tyrell began to make steady progress. At the age of two Tryell was enrolled in a local preschool program. His mother began taking him to therapy, then picking him up on her lunch break and returning him to school. It was difficult. His family decided to remove him from the preschool program and enroll him in the Easter seals Child Development Center program full time. Receiving early education therapy services in one place "was so much easier" said his mother, Angel. Tyrell has been receiving services from Easter Seals for two years now. At the beginning he was not able to do anything for himself. He could not sit up, could not drink from a bottle, could not hold anything. He could not swallow – it was believed he was wheelchair bound. Today, Tyrell has transformed in to a happy boisterous child who is loving and affectionate. He took his fist steps without the aid of a walker in late May 2001 and has been running ever since. "My son has begun walking and is learning sign language to communicate. His verbal skills are improving as well; he said "bye' today for the first time. It is all so amazing, "says Angel. Tyrell's future is brighter, thanks to the perseverance of his family, and the services he received from Easter Seals. "Today, when Tyrell and I went to pick up Tyra at school, we saw an assistant who works at the Easter Seals Center. I put my son down, braced him the way the physical therapist suggested, and he walked to his friend. She was excited. We were both crying. It was fantastic! Conservation & Preservation Charities of America Success Story Story contributed by CPCA member Appalachian Trail Conference When the going gets tough, the tough get going! After Mother Nature closed the Appalachian Trail in Virginia, volunteers from the Natural Bridge Appalachian Trail Club (NBATC) organized a massive effort to reopen the Trail for spring hikers. When a winter ice storm left much of the NBATC's 90-mile section of the A.T. impassable, club president Bill Foot organized maintenance parties each weekend for a month to clear the Trail of debris. The normal Wednesday maintenance crews were also enlarged. NBATC volunteers cleared the 90 miles in just a month, often hiking in through deep snow to reach the affected sections of Trail. The NBATC is an affiliate member of the Appalachian Trail Conference, the nonprofit organization that manages, maintains and protects the Appalachian National Scenic Trail. Affiliates are each assigned a section of the Trail to maintain, with volunteers performing virtually all of the maintenance chores along the 2,160-mile long A.T. Do Unto Others: America's Emergency Relief, Development and Humanitarian Outreach Charities Success Story Story contributed by DUO member Global Action International Blankets for the Barrios of Mexico The San Diego Union Tribune headline read "OVER 200 DEAD IN COLD WEATHER." We at GLOBAL ACTION knew that we had to take action to save the children that suffer and die in the hills of Mexico every year when cold weather blows in to that region. We set about to acquire over 3000 blankets and then moved into barrios outside of Tijuana to take the life saving blankets to the families who live in the cardboard shanties that dot the hillsides. There is no electricty or running water. The only warmth comes from the blankets that our partners provide. As we drove up the dirt roads, families would run towards the van hoping to receive a life saving blanket. With tears running down their faces they would hug us and whisper "mucho gracias" in our ears. GLOBAL ACTION TOOK ACTION and we believe many lives of children were saved because people like you cared. School Supplies and Soccer Balls in Uganda We had the privilege of taking a supply of Educational materials to Uganda. The schools had pretty well been depleted under the previous political leaders. We were able to supply many items that they so desperately needed. We linked up with Peace Corps volunteers that were working to improve the school system. I noticed that for recreation they would make soccer balls out of banana peels. We made arrangements with the Peace Corps that when we came back to the United States we would send some "real" sports equipment. With the help of our partners, GLOBAL ACTION was able to send soccer balls to Uganda. The Peace Corps volunteers set up a special contest in the schools, and the winners would receive a ball. This is something we take for granted here in the States, but the volunteer said it was the greatest competition in the schools that he had seen. He sent us a picture of the class who had won the "real" soccer ball and I wish you could see the joy on their faces. Something so simple, yet making a big difference in the lives of children who could never dream of having a "real" soccer ball. What a thrill to bring joy like this to children who have suffered so much. Earth Share Success Story Your gift to Earth Share can help: * establish community parks and gardens, and trails for hiking and biking; * protect the public from pollution and toxic substances that affect our health; *save endangered species, like the California condor and giant panda and their habitats, including wetlands, rainforests, canyonlands, and coral reefs; * plant trees and preserve forests that help clean our air, reduce topsoil erosion, and provide homes for wildlife; * clean up thousands of miles of coastlines, rivers and lakes; * educate children and adults about the critical nature of our natural heritage. $1 per pay period can remove 60 pounds of trash from a beach, catalogue it and identify who put it there; $2 per pay period can save 18 feet of rail trail for bicycling, horseback riding, running or hiking; $4 per pay period can protect three square meters of coral reef, home to hundreds of species of marine plants and animals; $5 per pay period can plant five trees in an urban area; $10 per pay period can safeguard U.S. drinking water by supporting Citizen's Right To Know programs reporting on contaminants in drinking water; $20 per pay period can purchase one spotting scope for monitoring released California condors, Aplomado falcons, Hawaiian songbirds and Harpy eagles. Educate America! The Education, School Support and Scholarship Funds Coalition Success Story Story contributed by EA member Dollars for Scholars EDUCATION WAS THE ONLY WAY OUT From young drop-outs with babies to college students, two sisters have beaten the odds and are working toward degrees in radiology. "Our family did seasonal work in the fields and I knew that was my future if I didn't return to school." said Sara Diaz. Her sister, Xochitl Hernandez, likewise learned that to have a good economic future, she had to continue her education and go on to college. Because of the Dollars for Scholars program in Toppenish, WA (and a special Dollars for Scholars partnership project with Heritage College), Sara and Xochitl have both graduated from Toppenish High School and have received services and financial assistance to enable them to attend college to pursue their plans to become radiologists. Health & Medical Research Charities of America Success Story Story contributed by HMR member Cancer Survivors Coalition From Ana Pedreira-Marcinik of Puerto Rico. Dear NCCS: Thank you very much for calling me at home and giving me such valuable information on all the cancer help organizations available. I'm convinced you are an angel acting like a helpful human. God bless you for being so caring and concerned. We are all going through my dad's cancer for a reason. I believe I will be able to help others in need, thanks to all the information I received from you. I have already been able to help a person last week. I made her happy because there is hope, that made me happy. My dad - Papi as I call him - started receiving treatment yesterday. Although it might not be pancreatic/liver cure, we hope it will give him relief from pain so he could enjoy life a little better and longer. I enjoyed all the literature you sent. Your motto "From the time of discovery and for the balance of life, an individual diagnosed with cancer is a survivor" is one of the most beautiful and encouraging thoughts I have ever read. Thank you for your time once again. Take care. You provide an excellent service. Sincerely, Ana Pedreira-Marcinik Isla Verde, Puerto Rico Hispanic United Fund Success Story Story contributed by HUF member ESPERANCA Harry Owens, Jr., M.D., served as a volunteer physician at the Esperanca Clinica dos Pobres (Clinic of the Poor) from 1972 to 1978. During that time, Dr. Owens treated thousands of poor remote villagers throughout a 1,000 mile radius of the central Amazon and its tributaries. During a trip to a very remote river village, Dr. Owens came upon a mother in a very difficult labor, unable to deliver her child (who was breached). Dr. Owens was able to assist in the delivery. Mother and child survived, and in gratitude the mother named the boy 'Haroldo d'Esperanca' in honor of Dr. Harry Owens. Upon a return visit to the Amazon 12 years later, Dr. Owens had the privilege of again meeting Haroldo d'Esperanca, who had traveled by canoe to the Esperanca Clinic for needed dental work. It was a tearful, happy reunion with the grateful mother, child and doctor. Human and Civil Rights Organizations of America Success Story Story contributed by HCROA member Blind Federation of America The Blind Federation of America seeks to help blind persons become a part of the productive mainstream of the nation. Some have special stories to tell. As a young man Carlos Servan joined the special military forces in his native Peru and worked in counter-terrorist operations. In a terrorist attack, Carlos lost his eyesight and one hand. He came to the United States several years ago to receive sophisticated medical treatment in order to make something of the rest of his life. Speaking not a word of English, he quickly learned it. He also learned our kind of freedom. And he found the Blind Federation of America. Carlos won on merit the top scholarship we awarded in 1992 and began preparing for a productive career. He is a man of character and determination for whom the Blind Federation of America provided a boost through supporters like you. Human Service Charities of America Success Story It has been heart wrenching for Danelle"s family to watch her everyday knowing she has a life threatening disease. To them, its unfathomable that, in today"s age, there is nothing the doctors can do. Her cancer is spreading and there is nothing clinically proven to help. Miracle Flights for Kids successfully transported Danelle from Montana to Maryland to participate in a National Cancer Institute clinical trial that may prove beneficial in stopping Danelle"s cancer. Independent Charities of America Success Story Story contributed by ICA member Results Educational Fund Nurjahan is a borrower of the Grameen Bank in Bangladesh, an institution that makes loans to very poor people, enabling them to better care for their families. RESULTS Educational Fund advocates on behalf of Grameen and many other similar institutions. Abandoned by her parents at three months of age and raised by a neighbor, Nurujan was married at twelve--only to be abandoned by her husband a year later, while three months pregnant. She then returned to the family who had raised her, cooking for them while raising her son. Before joining the bank, Nurjahan had never earned more than $37.50 in a year and owned no land. By 1995, after five years as a borrower, her average annual income was US$250 (just above the national average) and she owned two goats, one pregnant cow, ten hens, and two-thirds of an acre of land. The land cost US$1,000, more than four times the average annual income. Seasonally, she employs two farmhands to assist with her rice crop. In a country where only 46 percent of the children reach grade five, Nurjahan's son is now in the eighth grade. International Service Agencies Success Story For José Herrera, an elementary school administrator in El Salvador, the availability of running water -- the result of an ISA charity sanitation project -- "has completely changed school life," says Herrera. Students no longer need to walk long distances carrying their own water supply, and the high absenteeism rate caused by unsanitary conditions is no longer a problem. Herrera's teachers now spend quality time teaching healthier students. Even on days when she rises at 2:00 a.m. to go to work, Ms. Teresita Cabactulan from the Philippines is grateful to the ISA charity that helped her start a business. Although it's a small bakery, employing just 12 people, it's part of a larger community project to improve peace in the area for both Christian and Muslim families. The bakery thrives as a symbol of community cooperation. For Blandina Bumbo in Uganda, one pregnant cow given to her by an ISA charity changed dozens of lives. The milk, and money she eventually earned from selling the cow's calves, allowed her to feed her children, take in two orphans, start a small nursery and hire a teacher. Today, 30 children get an education and a daily hot meal as a result. Thanks to a team of doctors sponsored by an ISA charity, Monika Mlcakova from the Slovak Republic, is a little less blue -- literally. Born with a complicated heart condition, Monika was blue from the lack of oxygen in her blood. In addition to helping Monika, this medical team also trained a group of local pediatricians. Approximately 350 infants a year now survive to celebrate their first birthdays because of this outstanding project. Medical Research Agencies of America Success Story Brain Tumor Foundation of America Helped to Save the Life of My Son By Colleen Rimer February 22, 1987, was just another Sunday afternoon at our home when we received a telephone call from the emergency room; he had just had a grand mal seizure and was scared. Craig had no history of seizures and our family had no inkling of what was to come. After three Computerized Tomography (CT) scans and one Magnetic Resonance Image (MRI), we were informed that Craig had a brain tumor in the left frontal lobe that required immediate removal. Following surgery, he was referred to a local university medical center to continue his treatment. We immediately began gathering information about brain tumors, which led us to the Brain Tumor Foundation of America. The Foundation gave us current information on Craig's tumor, which allowed us to make informed decisions regarding his options. With this information, Craig entered an experimental chemotherapy program while simultaneously receiving radiation treatment. Within six weeks of surgery, Craig returned to college, where he was a music major, and performed in a concert. He was overjoyed to participate, knowing that the surgery and treatment had not robbed him of his memory or coordination. We continued our search for information about brain tumors and the side effects of treatment. Also, the Brain Tumor Foundation of America's volunteer Support Network helped link us with other families willing to share information and support. This year, more than 100,000 people will be diagnosed with a primary brain tumor and 14,000 people will die from this disease. Brain tumors are the second leading cancer killer of children under the age of 19. The Brain Tumor Foundation of America provided us with a wide variety of free service and programs. It also funds innovative research into the cause, treatment, and the cure of brain tumor disease. Thirteen years later, Craig is still involved in music as a performer and teaching private lessons. Most importantly, his yearly MRI continues to show no tumor recurrence. We believe the donations made to Brain Tumor Foundation of America helped save our son's life. Military, Veterans & Patriotic Service Organizations of America Success Story Story contributed by MVP member Airmen Memorial Foundation Her young husband was 6,000 miles away in Korea on assignment with the Air Force while she remained behind in the expensive Washington, D.C. metropolitan suburbs with their two handicapped children. Suddenly, without advance warning, the Social Security Administration notified this young mother that her SSI (Supplemental Income) entitlement had been cancelled due to her husband being out of the country and "no longer resident in the home." Behind in her car payments, rent and other bills and under severe stress from being the only adult responsible for two children requiring constant care, her own mental and physical health suffered dramatically. In desperation she turned to her local base Family Support Center who provided immediate aid but it was insufficient to cover all of her arrears. Still facing loss of her critically needed automobile used to transport her children for therapy and with little funds for food, the Family Support Center put her in contact with the Airmen Memorial Foundation for consideration of a humanitarian grant. Quickly, the AMF responded with sufficient funds to cover her outstanding bills and permitted her to provide sufficient food for the family until the SSI decision was reversed and funding restored. National Alliance for Choice in Giving Success Story From Boston to Los Angeles, from Atlanta to Seattle and dozens of cities in between, NACG members received close to $1 million from CFC donors in 2000. These dollars are building and strengthening locally-controlled initiatives to win social justice and a safe environment for all people. National Black United Federation of Charities Success Story In the 10 year history of the NBUFC Federation, member organizations through the continued support of federal workers have put forth great programs. AHEAD INC. is one example. AHEAD Inc., an all volunteer organization provides direct hands-on, people-to- people assistance to underserved communities in Africa and the United States. AHEAD has achieved a reputation for implementing successful grassroots programs that combine problem-solving approaches to medical treatment, public health, nutrition, agriculture and education. AHEAD has achieved a 95.5% immunization rate among children five and under in AHEAD target villages in Tanzania. USO (United Service Organizations) Success Story The USO has opened "cyber cafes" in many of its centers around the world, allowing deployed service members to send email to friends and family, surf the Internet, play games, or shop at online stores. The Konnect Kafe, which recently opened in USO Centers in Okinawa, boasts the best computers and fastest Internet connections on the island, at lower prices than similar facilities elsewhere on Okinawa. In addition, these Internet services are offered in clean, wholesome, smoke- and alcohol-free environment United Way of America Success Story Sharon thought of herself as a typical young wife and mother who dreamt of a future filled with birthday parties and graduation celebrations for her baby daughter Ashley. But when her marriage ended and she found herself struggling to balance work while trying to find affordable daycare, she almost lost hope in that future filled with joy. Sharon had heard about the daycare program at the local YMCA but since she was only earning $7 per hour she couldn't pay the $76 a week and still afford her rent. Hearing about her dilemma, the Director of the local YMCA pulled Shaton aside one day and offered her a "scholarship/grant" that would reduce daycare costs so Sharon could return to college and also feel confident about Ashley's care. "I always felt comfortable leaving her at the Y. Knowing she was in good hands make it much easier to head off to school and work." Today, Sharon has completed her degree and both she and Ashely still come to the Y to help out painting the daycare rooms and veen raising money for the new Y in their hometown. Contributions to the United Way help to open doors to brighter futures for everyone. Because of programs like the scholarship/grant at the YMCA, people like Sharon can look ahead to a positive and happy celebration of their own achievements and lead the way for others. Women, Children and Family Service Charities of America Success Story Story contributed by WCFS member Family Violence Prevention Fund In 1992, Stephen McCandless' sister Betsy was murdered by her abusive ex- husband. This is despite the fact that she got a restraining order, had filed criminal charges, and had stood in front of a judge describing the beatings from her husband and his threats to kill her. Apparently seeing no risk and disregarding the danger to Betsy, the judge let the abuser go free without bail. In May, l 995, Stephen told Betsy's story at a press conference announcing the FUND's development of an interactive CD-ROM program for judges handling domestic violence cases which allows judges to receive instructions about domestic violence in the privacy of their own chambers. "My sister's suffering is over," Stephen stated at the conference, "But her story will not fade and must not fade away. Across the country, every day, women and their families are injured or killed by domestic violence. My sister wanted to help others avoid an ordeal like hers. The projects of the Family Violence Prevention Fund work toward that goal. I applaud their work in training of judges and I hope that the CD-ROM project showcased today will save the lives of women who find themselves in the same danger as my sister."


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BOK Financial Reports Quarterly Earnings Of $77 Million
BOK Financial Corporation reported net income of $76.6 million or $1.11 per diluted share for the first quarter of 2014. Net income was $73.0 million or $1.06 per diluted share for the fourth quarter of 2013 and $88.0 million or $1.28 per diluted share for the first quarter of 2013.
Steven G. Bradshaw, Chief Executive Officer, stated, "We are executing well on our strategic objectives, and as a result the first quarter was solid for BOK Financial Corporation. Sustained loan growth, sequential revenue growth from key fee-generating lines of business, and careful expense controls led to a strong bottom line. Credit quality remains pristine with net recoveries in the quarter, and our capital base remains at industry-leading levels."
Bradshaw added, "We also closed on our acquisition of GTRUST Financial Corporation, and announced the acquisition of MBM Advisors during the quarter. Each of these acquisitions strengthens our presence in an important growth market while bringing a new wealth management product line that can be delivered across the footprint."
Highlights of first quarter of 2014 included:
- Net interest revenue totaled $162.6 million for the first quarter of 2014 compared to $166.2 million for the fourth quarter of 2013. Net interest margin was 2.71% for the first quarter of 2014 and 2.74% for the fourth quarter of 2013.
- Fees and commissions revenue totaled $140.9 million for the first quarter of 2014 compared to $142.4 million for the fourth quarter of 2013.
- Operating expenses were $185.1 million for the first quarter, a decrease of $30.3 million compared to the previous quarter. Personnel expense decreased $21.2 million. The Company reversed $15.5 million accrued in 2011 through 2013 for amounts payable to certain executive officers under the 2011 True-Up Plan. Non-personnel expense decreased $9.1 million.
- No provision for credit losses was recorded in the first quarter of 2014 compared to an $11.4 million negative provision for credit losses in the fourth quarter of 2013. BOK Financial had a net recovery of $2.5 million for the first quarter of 2014 compared to a net recovery of $3.0 million in the previous quarter.
- The combined allowance for credit losses totaled $190 million or 1.45% of outstanding loans at March 31, 2014 compared to $187 million or 1.47% of outstanding loans at December 31, 2013. Nonperforming assets that are not guaranteed by U.S. government agencies totaled $153 million or 1.18% of outstanding loans and repossessed assets (excluding those guaranteed by U.S. government agencies) at March 31, 2014 and $155 million or 1.23% of outstanding loans and repossessed assets (excluding those guaranteed by U.S. government agencies) at December 31, 2013.
- Average loans increased by $486 million over the previous quarter due primarily to growth in commercial loans. Average commercial loans were up $234 million and average commercial real estate loans increased $252 million. Period-end outstanding loan balances were $13.1 billion at March 31, 2014, a $286 million increase over December 31, 2013. Commercial loan balances increased $108 million and commercial real estate loans increased $216 million.
- Average deposits increased $360 million over the previous quarter. Growth in interest-bearing transaction accounts was partially offset by a decrease in demand and time deposit balances. Period-end deposits were $20.4 billion at March 31, 2014, a $120 million increase over December 31, 2013, primarily due to growth in demand deposit balances.
- The Company's Tier 1 common equity ratio, as defined by banking regulations, was 13.59% at both March 31, 2014 and December 31, 2013. The Company and its subsidiary bank continue to exceed the regulatory definition of well capitalized. The Company's Tier 1 capital ratio was 13.77% at both March 31, 2014 and December 31, 2013. Total capital ratio was 15.55% at March 31, 2014 and 15.56% at December 31, 2013. The Company's leverage ratio was 10.17% at March 31, 2014 and 10.05% at December 31, 2013.
- The Company paid a regular quarterly cash dividend of $28 million or $0.40 per common share during the first quarter of 2014. On April 29, 2014, the board of directors approved a quarterly cash dividend of $0.40 per common share payable on or about May 30, 2014 to shareholders of record as of May 16, 2014.
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TrackBack URL: http://www.artsjournal.com/mt4/mt-tb.cgi/15823
This page contains a single entry by About Last Night published on July 31, 2011 4:24 PM.
New Blog on the Block was the previous entry in this blog.
For your listening pleasure is the next entry in this blog.
Find recent content on the main index or look in the archives to find all content.


text:
Precinct 2 County Commissioner Cheryl Williams was sworn into office Monday by Plano Mayor Phil Dyer. Williams won the office in the November election after defeating long-time commissioner Jerry Hoagland in the March 2010 Republican primary.
Williams holds a degree from Southern Methodist University in finance and economics and previously served on the Plano City Council. She is a resident of the Canyon Creek area of Richardson.


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Slightly overpriced, but good food and atmosphere.. nice place to hang out.with friends.. burgers and pizzas are worth trying.. draft beers are well maintained but limited.choice..
The oil used for frying makes the fries etc not very American tasting. Ok if just going for a drink.
Overpriced and small portions. The service is poor with young staff serving and not really interested in the customers. A good place to watch sports on tv and to play pool. But not worth eating here.
There are a number of outlets and we were at the Rail Mall. Ordered chilli con carn, corn chips with dip, ceasar salad, roast beef sandwich, beefburger the latter come with chips (not fries).
The burger did not leave a indelible memory unlike the beef burger at the Handburger joint (as a benchmarker). The roast beef was bland and it...
We had a couple of Saturday night meals here in Mar 2013. The food is not great but the pork ribs are passable and not the worst I've had in Singapore. On Saturday nights it's not about the food but about the live televised Premier League football matches and of course the beer. The girls are friendly and service excellent...
Expensive and not brilliant food, beers expensive too for this out of the way resturant.Situated next to the Science park in Singapore, it kind of has the monopoly in the area. I wouldn't go back again, as two bus stops away ther are some great places to eat which are a lot more cost effective.
The last few reviews have been less than stellar but I kinda like this restaurant and here's why:
1. Dog-friendly. This is a dog-friendly place. I was not aware of this till my wife brought my two pups there. The staff was great to my pups, so as far as service is concerned - I love it! There is no...
Very little to recommend it. Way too expensive. Almost empty any time I've seen it. Toilet really bad (small and smelly).
Guys, you have a large catchment area with almost no competition. Could there be another way to go instead of trying to screw every customer out of every last dollar, and instead of cutting every corner to minimize outgoings?...
Visited the outlet in Siglap. For a place like this, they are very expensive! Beer alone cost us $30 a jug. Place was tiny. Toilet was dirty and disgusting and it is was unisex. Considering that it is situated in the middle of nowhere, so so atmosphere and unattractive pricing, don't think we will return.
I was at Blooie's Roadhouse on a Thursday evening - I was staying on Campus at NUS, and it's nearby. Being nearby is about the best thing it had going for it.
At one point, I was 33% of the clientèle inside the cavernous restaurant. That became 20% for a while - but the other guests didn't stay long. I...
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Whoah, you're at our level cap. Good job, you rock! Here, have some cake.
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Topic: Kongregate Multiplayer Games /
[The Grinns Tale] refined equipment.
dunno for the 3. but the 1. it's true, it's said by villagers with "?"
Topic: Chronicles of Blood /
Selling Blood Diamonds 4k per piece (sold out for now, until there is donate stuff I want)
if you have any BD left i would like to buy 100 of them for 400k =) IGN : Jeneith
Topic: Clash of the Dragons /
Immolation bug
just look at the log on the right of the screen, you should do 1+3(stst)2(bonus pyrelord) = 6 damage minus enemies shield his stats, i'm a pyro never had a problem with it
Topic: Technical Support /
Big Fish for 100 Kreds
Originally posted by Reaper_Of_Soulz:It shouldn't be expired. . . People who "HAVE" The codes should still be able to redeem them. I bought the game 5 days ago and it took bigfishgames 5 days to respond to me. I only bought this game for the kreds any way >.> I havn't even played it yet lol! (: But yea…so when is this thing coming back or is it at all. .
It shouldn't be expired. . . People who "HAVE" The codes should still be able to redeem them. I bought the game 5 days ago and it took bigfishgames 5 days to respond to me. I only bought this game for the kreds any way >.> I havn't even played it yet lol! (: But yea…so when is this thing coming back or is it at all. .
yeah people who "have" already the codes must be able to redeem them, but i didnt have the time to even buy the game =( let's hope they'll put all the promotion up again i would really liked to get a new mini-game (though without the kreds doesnt worth that much)
so here i am again >.< though i saw it was working again i didnt had time to buy the game at that moment, and now it says the promotion is expired, it's still a bug or the promotion is expired permanently? ç_ç damn what a bad luck
is working again thanks _
Originally posted by Zshadow:
Please check your spam folder on the e-mail address you used to register your BigFishgames account. If still nothing, please e-mail us at email@example.com.
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sorry do you know if the offer is avaiable anymore? as I said it says that the coupon code is expired
i tried to do the offer but when i write the coupon code it says that it is expired, isnt the offer avaiable anymore?
Topic: Chronicles of Herenvale /
Is it me or...
rofl i think you could not worry about doing less damage to get more exp since you can do every book 4 times (one for every quest level) and i bet you can easily reach max lvl before completing all books to legend
Topic: Chronicles of Herenvale /
Bugs in the Game. (Put all of them here)
In-game name's Jeneith, but i've already spent those stamina >.< i waited almost two days so more or less that was the amount i would have got anyway, if it happens again i will send an email as you suggested thanks
Sorry for double posting but i would be glad if i could get a response as soon as possible because i cant use my stamina at the moment to not abuse the bug =(
In the last two days something really strange is happening, i wake up in the mornig with like 5 times the energy/stam i should have, for example now i have 743/149 stamina and 149 is my MAX stamina, also i dont know how i got something like ~800 energy night time (7-8 hours) i dont know how it happened but if you see that i have a huge amount of energy/stamina i'm not hacking >.<
Topic: Chronicles of Herenvale /
Luck is changing...
or even better "if you get once a very bad item, the next could be even worse -" luck is just like it is, luck. You can get all good items just like you can get all bad items, nevertheless usually i don't rely on luck when i choose my play-style =)
Topic: Chronicles of Herenvale /
so who else hates these pay to play games
I agree with peckham, even though i think this game is a little boring (forgive me but all you have to do is to click a small button many times and then go back in some hours, maybe it could use some more interaction from players); i think that this game is great afterall, all i have to do is to play the game a few minutes once or twice per day (it gets better as you level up and you level up VERY FAST in this game) and then come back the day after, of course if you sit all the time watching your energy refilling up you'll get tired very soon of this game but this is not how the game is meant for, if you want a more interactive and continuous play you should look somewhere else but do not blame the game and the developer if you don't like this kind of game, as I said this game is very good afterall.
Topic: TDP4 Team Battle /
I agree
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text:
2000 W. Commerical Boulevard, Fort Lauderdale
Tel: (954)492-5353
689 students
Private not-for-profit
Private not-for-profit
Get admissions information on City College-Fort Lauderdale and online degrees at CampusExplorer.com.
City College provides students with services in financial aid, tutoring, career advising, and job placement. At City College, we are committed to your success and believe in your potential to grow academically, personally, and professionally. Education is the key to success. The mission of City College is to educate and train students in their chosen major for employment in specific career fields. The College awards Diplomas, Associate of Science or Bachelor of Science degrees based on the student's successful completion of required coursework.
School Highlights:
City College-Fort Lauderdale serves 689 students (51% of students are full-time).
Minority enrollment is 87% of the student body (majority Black), which is more than the state average of 48%.
School Overview
The teacher population of - teachers has declined by 100% over five years.
|City College-Fort Lauderdale
|Community College Avg.
|Institution Level
|Four or more years
|At least 2 but less than 4 years
|Institution Control
|Private not-for-profit
|Total Enrollment
689 students
|1,303 students
|# Full-Time Students
349 students
|834 students
|# Part-Time Students
|340 students
|1,040 students
|% American Indian/Alaskan
|% Asian
|% Hawaiian
|% Hispanic
|% Black
|% White
|% Two or more races
|Diversity ScoreThe chance that two students selected at random would be members of a different ethnic group. Scored from 0 to 1, a diversity score closer to 1 indicates a more diverse student body.
|In-State Tuition Fees
|Out-State Tuition Fees
School Notes:
City College is a not for profit private college currently operating 3 campuses in Florida. City College's campuses are located in Fort Lauderdale, Gainesville and Miami. City College was originally established as Draughon's College of Business, a branch of Draughon's Junior College of Business founded in 1896, in Paducah, Kentucky. In 1986, the College changed its name to CareerCom College of Business. In 1987, the College was purchased by Career City College, Inc., and became known as Career City College. In May, 1988, Career City College, Inc. established a branch campus in Gainesville, Florida. The College revised its name to City College in January, 1994. In June, 1997, City College expanded its educational facilities to include a branch in South Miami, Florida. The College is located at 2000 W. Commercial Boulevard. The classrooms, labs, and administrative offices occupy 28,500 square feet of an air-conditioned building. Parking is available to students. Classrooms are intentionally designed to limit the number of students per room so that maximum personal attention can be given to each student. Fort Lauderdale is world-renowned for the beauty in its beaches and in its people. Its varied business sites, along with those in Miami, offer the student numerous opportunities in the working world. City College offers a Bachelor's of Science degree in Business Administration, as well as Associate of Science degrees programs in Accounting, Broadcasting, Management, Computer Applications, Hospitality, Private Investigation, Electronics, Computer Engineering, Medical Assistant, Medical Office Administration, Emergency Medical Services, Paramedic, and Legal Assistant/Paralegal. City College is a Senior College accredited by the Accrediting Council for Independent Colleges and Schools (ACICS) to award Diplomas, Associate of Science and the Bachelor of Science degrees.
Get admissions information on City College-Fort Lauderdale and online degrees at CampusExplorer.com.
Nearby Schools:
- College Loaction Mi. Students
Fort Lauderdale Keiser University-Ft Lauderdale
1500 NW 49th St.
Fort Lauderdale , FL , 33309
(954)776-4476 0.4 Mi | 17175 students
Fort Lauderdale ATI Career Training Center-Fort Lauderdale
2890 Northwest 62nd Street
Fort Lauderdale , FL , 33309
(954)973-4760 1.3 Mi | 253 students
Oakland Park ATI Career Training Center-Oakland Park
3501 Northwest 9th Avenue
Oakland Park , FL , 33309
(954)563-5899 1.6 Mi | 320 students
Lauderdale Lakes Medvance Institute-Fort Lauderdale
4850 W. Oakland Park Blvd., Suite 200
Lauderdale Lakes , FL , 33313
3.3 Mi | 331 students
Fort Lauderdale Broward College
225 E las Olas Blvd
Fort Lauderdale , FL , 33301
(954)201-7400 5.1 Mi | 42273 students
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On a clear day…
Tuesday, March 4th, 2014
4 Responses to "A View"
It looks like one of those once in a lifetime waiting to be taken photographs…
A really awesome picture!!! B-)
You captured the perfect moment!
Ah John, you have done it again! Love it!
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Betroka District, Anosy Region (Fort Dauphin Region), Tuléar Province (Toliara), Madagascar
© K.E.Larsen
|From the greek for 'abundant' for its many crystal forms.
A variety of Spinel
An intermediate variety of the Hercynite-Spinel Series,
= iron-rich spinel or magnesium-rich hercynite.
Visit gemdat.org for gemological information about Pleonaste. Currently in public beta-test.
An intermediate variety of the Hercynite-Spinel Series,
= iron-rich spinel or magnesium-rich hercynite.
Visit gemdat.org for gemological information about Pleonaste. Currently in public beta-test.
Classification of Pleonaste
|IMA status:
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Please feel free to link to this page.
Other Names for Pleonaste
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Other Information
|Health Warning:
|No information on health risks for this material has been entered into the database. You should always treat mineral specimens with care.
References for Pleonaste
|Reference List:
- +
Haüy (1801).
Palache, Charles, Harry Berman & Clifford Frondel (1944), The System of Mineralogy of James Dwight Dana and Edward Salisbury Dana Yale University 1837-1892, Volume I: Elements, Sulfides, Sulfosalts, Oxides. John Wiley and Sons, Inc., New York. 7th edition, revised and enlarged: 689.
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New Locality Added: Charcas meteorite, Charcas, Mun. de Charcas, San Luis Potosí, MexicoFrom Lon Clay Hill, 19th Dec 2014 03:15:19


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Violence in the Central African Republic has uprooted nearly a million people - a fifth of the population - and hampered aid efforts in the capital Bangui, according to the UN refugee agency (UNHCR).
A flare-up in violence between Muslim fighters and Christian militias has displaced more than 200,000 people in the past few weeks alone, leaving a total of 935,000 homeless, UNHCR said on Friday.
The number of people sheltering at a makeshift camp at the international airport has doubled in the past week to 100,000, but while the site lacks proper access to food and water, fierce fighting in nearby neighbourhoods has restricted aid access.
"Insecurity and chaos around the site... prevents us from doing any distribution," UNHCR spokesman Babar Baloch told a news conference in Geneva.
"It's a horrible situation. We have heard a lot about revenge attacks happening inside health centres, where armed elements have gone and attacked patients."
A Muslim rebel group, the Seleka, unleashed a wave of killing and looting after seizing power in March. The deployment of 1,600 French and nearly 4,000 African Union peacekeepers has done little to contain the tit-for-tat violence between religious communities.
Cutting services
In the riverside capital alone, more than 510,000 people have been displaced - equivalent to more than half the city's population, UNHCR said.
Medical charity Doctors Without Borders said it was cutting services to a minimum at its airport clinic after stray bullets killed three children and injured 40 people this week.
"We are not going to continue to put the lives of our personnel at risk," Lindis Hurum, its coordinator at the site, told the Reuters news agency. "A team composed of five of our 16 doctors will be left in place for cases of extreme emergency."
Many of the displaced and injured inside the airport camp said they feared they were being abandoned.
"I owe my life today, like hundreds of others here, to MSF [Doctors Without Borders]. But with this suspension of their activities, it will be a massacre," said resident Saint Cyr Lamaka.
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Research & Commentary: Transaction Taxes
Research & Commentary: Innovation in Biopharmaceuticals Must Be Protected
Research & Commentary: SunRail Will Produce Few Benefits and Cost Millions
As Florida policymakers take up the SunRail passenger rail proposal, the performance of existing passenger rail systems across the country should be part of their deliberations.
Research & Commentary: Property Mitigation
Research & Commentary: Internet Sales Taxes
Research & Commentary: Why the U.S. Should Cut its Corporate Tax Rate
What the U.S. economy needs more than another pork-filled stimulus plan or massive new spending proposal is a cut in the corporate tax rate.
Research & Commentary: Illinois' Alcohol Tax Is Helping Neighbor States
Illinois' alcohol tax increases, which the legislature pushed through to fund a $31 billion capital works plan, are beginning to have their troubling consequences.
Research & Commentary: First Time Home Buyers Tax Credit
Research & Commentary: President Barack Obama's Cap-and-Trade Plan
Research & Commentary: Illinois' Pension Problem and How to Fix it
The Chicago Sun-Times recently reported some very alarming facts about Illinois' public pension system, among them:
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Yeah a single iap would be much better, but hey i often only play 5 minutes a time... For now i have to say its quite fair for a free to play game hope this doesn't change later in game!
If some people would change their mind In paying for games, the world will be a better place for premium games!
I'm playing this right now. the game is beautiful, truly the Trials you'de wish to see on a mobile device; short sessions, lots of tracks.
but when it's out in the US, you'll see that it's a game made by satan himself. timers everywhere, and difficulty spikes from hell and you can't really get past them by grinding ! I'm at a point in the game where you have to get parts for a 3rd bike, wich is required to play the next tracks. the last part needed is kept by a "miniboss" that you can't beat even if you got SKILLS, even by upgrading you 2nd bike a lot, you still can't. the devs are clearly thinking that at this point, most player will be like "dang, guess I'll pay a little something to get past that boss !" but I'm absolutely sure that there is a lot of those pay walls like this one. oh still, you get things all the times, like when you "level up" you get a refill of gas, a little money and that's it. it gives you the feeling that you are actually getting somewhere but the truth is, you are constantly pushed toward the currency shop, and by the most vile manner; it doesn't give you the ORDER to do so, no you get the feeling that with a little cash investment you'll get fine till the end of the game.
so IMO, it's not worth the wait. you'll get to try it until you realise it's a robbery. it's the kind of game that won't be forgiven by petty arguments like "it's free, stop complaining !"
I went to see what is said on redlynx's forums and it's a laugh. people have excellent arguments against most game mechanics, but the answers are laughable, like "any change will break the game and we want to provide the best experience blabalbal-BS."
No problems here...i have the fourth bike now, Gold on Many Tracks and Yeah... I have Fun too!
Ok, My free given diamonds are reduced a Lot in this Wheel of Fortune thing, but the effort is Not so Bad!
What Pisses me of a Little, is the fact that the later Tracks Need two fuel tanks to Drive...
Trials was ever and will hopefully ever be, a Game of skill! Sometimes it's hard, but that's the Fun!
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Advancing Warriors Program
Advancing Warriors program is designed for students who:
- are juniors and seniors (OR have completed Emerging Warriors & Developing Warriors programs)
- want to take their leadership skills and knowledge to the next level
- learn best practices in leadership
The program is based on the Student Leadership Challenge in which students will complete an online inventory that enables them to take a look at their current leadership skills and to build upon their immense potential to make a real difference in society. Focusing on the 5 Practices of Exemplary Leaders, the Student Leadership Challenge offers students the opportunity to measure their current leadership strengths and weaknesses, to make a plan for improvement, and to commit to growing as a leader.
In addition to the valuable information you will learn, all participants will get to put their new leadership skills into practice by participating in an outdoor excursion with WSU's Outdoor Education & Recreation Center during the 2-day Advancing Warriors retreat. You will not want to miss this opportunity!
This program is offered both Fall and Spring semester and there is no cost to participate.
Advancing Warriors Program Requirements
In order to participate in the Advancing Warriors Program, you must:
- Register for the program by Wednesday, September 17
- Participate in the Warriors Leadership Retreat January 24, 2015
- Complete a campus service/improvement group project
- Attend and participate in ALL the following sessions:
- Monday, September 23: Introduction & Inventory (3:30-5pm, Kryzsko Commons Purple Room 246)
- Friday, October 3: Advancing Warriors Retreat (4-8pm, Kryzsko Commons Location TBA)
- Saturday, October 4: Advancing Warriors Retreat & Outdoor Excursion (9am-5pm, Kryzsko Commons Location TBA)
- Monday, October 13: Reflection & Follow-up (3:30-5pm, Kryzsko Commons Purple Room 246)
- Monday, November 3: Project presentations & Wrap-up Celebration (3:30-5pm, Kryzsko Commons Purple Room 246)
Upon completion of all the requirements, students will receive a certificate of completion and become a member of the Advancing Warriors Society.


text:
Valid: 01 January 2014 – 31 December 2014
|Castleton (1 – 8 guests)
|6 Suites
|R 72 000 per night
|Castleton (9 – 12 guests)
|6 Suites
|R 9 000 per adult per night /
R4 500 per child per night
|Day Use Rate
|R54 000 per day
|Tourism Levy
|R55 per person per night
DOWNLOAD THE 2014 RATE SHEET HERE: Singita Sabi Sand
DOWNLOAD THE 2015 RATE SHEET HERE: Singita Sabi Sand Rates 2015 (Rack)
Rates are
- Quoted in Rand (ZAR), subject to change and inclusive of Value Added Tax (VAT) at 14%
- Exclusive of the Tourism Levy of R55 per person per night
Accommodation at Singita Castleton includes:
- All meals and beverages (including premium wines, spirits and liqueurs, but excluding French Champagne)
- Private guide, house host, chef and house staff
- Game drives in private open Land Rover (one vehicle for up to 8 guests, 2nd vehicle at an additional charge; two vehicles for 9-12 guests ), walking safaris, mountain biking safaris (accompanied by experienced guides and trackers), private tennis court
- Return road transfers between the Singita airstrip and the lodge
- Laundry service
- Please note that guests wishing to check in before 14h00 and/or checking out after 11h00 are required to book an additional night at the Day Use Rate.
- Tourism levy at ZAR 55 per person per night
- Telephone calls
- Purchases from the Singita Boutique & Gallery
- French Champagne
- Spa treatments
- Transport to and from Singita Sabi Sand. Please see our flights & access documentation.
Single Supplement
- A single supplement only applies if three or more single rooms are booked in a reservation. A supplement of 25% of the adult rate will be added from the third single room onwards.
- Singita Castleton may be accessed by private air charter directly to the lodge or on the scheduled air services on Federal Air. Flights to the lodge can only be operated during daylight hours. Restrictions apply.
- Federal Air transfer tariffs are valid 01 January – 31 December 2014 and are subject to change. All flight tariffs are nett and non-commissionable
- PLEASE NOTE: Due to the increasing fuel cost, Federal Air may increase their fuel surcharge during the year, in which case the incremental cost must be borne by the client. Singita will not be accountable for any such fluctuations beyond its control
View flight schedules and rates for 2014 here: Federal Air Flight Schedule & Rates – 2014
View flight schedules and rates for 2015 here: Federal Air Flight Schedule & Rates – 2015


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E-mail this story
Fantasy Fix: What to do with 3 falling stars
A first-round pick in fantasy football is always expected to pay big dividends. This year a few marquee players are flat-out failing. If you have Ray Rice, Trent Richardson or Matt Ryan, you are probably scratching your head and asking yourself what should you do.
By Dan Richman
November 13, 2013


text:
|I hope they come up with a sweatshirt...but for now, I'm contemplating one of the mugs. The journal is pretty interesting too!
Follow-Up Postings:
|Hi. I haven't seen this yet. Interesting..... not sure how I feel about it right now. However, I did think about making my own GW Tee shirt, but then I thought what if other members see me wearing it when I am out and about and start asking my GW name and stuff! There goes my alias....lol!
|I STILL want a Winter Sowing sweatshirt, Tshirt, and mug...but this will help me spread at least part of the word for now. It is nice to be able to sponser the website that introduced me to WSing and other forums on GW where I've learned so much.
|Sweatshirts -- get 'em while they're hot! We just added them to the store.
Also, some things that we'd really like to do would be to add some sayings or anything else that might be pertinent to Winter Sowers - or any of the other popular forums here. So, we'd have very specific merchandise that would be a great way to link you all together. Any ideas -- post them here or shoot them my way!
Here is a link that might be useful: Email me
There is a link on the first page of most (if not all) forums.
I started a thread over at Suggestions and Comments...maybe we could give them lots of our good ideas...
Here is a link that might be useful: Store suggestion thread
|excuse me...I didn't see Tamara's post b4 mine...
Sue...a very slow typist
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Monday, August 10, 2009
The High-Tech Camera Bag
Balancing protection for your valuable gear with functionality requires innovative high-tech solutions
Manufacturers understand that photographers' needs are constantly changing as their camera arsenals evolve. With a modular system, multiple smaller bags can be combined together into a belt-pack system (the fanny-pack style of camera bag that takes the weight from the shoulders and moves it to the hips) or added on to backpack systems. Tamrac's M.A.S. (Modular Accessory System) can be utilized in addition to a traditional backpack or shoulder bag, or it can form the foundation of an entire modular belt-pack system. The best thing about modular setups? They can hold as much or as little as you'd like, depending on the needs of the job.
As for the sling packs mentioned, ever notice how high-school kids throw a backpack over one shoulder for convenience and comfort? Well, many photographers do the same thing. Bag designers took note and invented the sling bag. Much like a backpack, sling bags like the Tamrac Velocity series hold gear safely in a backpack form, but with custom-fitted straps that don't require wearing the pack over both shoulders. The bag is worn much as a shoulder bag would be, but instead of resting at your side, it rides on your back—like a backpack.
This versatility is common to many of the latest designs. Not only are ergonomics factored in (with angled buckles that position straps appropriately, or nonslip grip materials and extra-cushioned shoulder pads, even harness straps and belts that help distribute the load), but so are the many uses a photographer may need from a single bag. It's clear that today's shooters require more flexible camera bags.
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Charles Wright, Ph.D.
Adjunct Associate Professor
Department Otolaryngology
Dr. Wright is an Associate Professor in the Department of Otolaryngology-Head and Neck Surgery at UT Southwestern Medical Center . He is a graduate of Oklahoma University and completed doctoral studies in neuroscience at Indiana University. He subsequently received postdoctoral training at the Kresge Hearing Research Institute, University of Michigan before joining the UT Dallas faculty in 1976.Dr. Wright has been with the Department of Otolaryngology-HNS since 1983.
Dr. Wright's research activities are focused on anatomy and pathology of the external, middle and inner ear. He has worked extensively in studies related to the microstructure and developmental morphology of the inner ear. Dr. Wright is also actively involved in research on external and middle ear disease, particularly in relation to drugs used for the treatment of middle ear infection. A major emphasis of his current work is on morphological defects of the inner ear resulting from genetic abnormalities that cause hearing loss and balance disturbance in laboratory animals and human patients.
|University of Oklahoma Norman Campus (1966)
|Graduate School
|Indiana University Bloomington (1970)
Research Interest
- Auditory and Vestibular Abnormalities Associated with Genetic Defects
- Human Temporal Bone Anatomy and Pathology
- Inner Ear Morphology
Featured Publications
- Cochlear implant electrode insertion: the round window revisited
- Roland PS, Wright CG, Isaacson B Laryngoscope 2007 117 1397-1402
- Progression of inner ear pathology in Ames waltzer mice and the role of protocadherin 15 in hair cell development
- Pawlowski KS, Kikkawa YS, Wright CG, Alagramam KN Journal of the Association for Research in Otolaryngolgy 2006 7 83-94
- Temporal bone microdissection for anatomic study of cochlear implant electrodes
- Wright CG, Roland PS Cochlear Implants International 2005 6 159-168
- Spectrum of middle and inner ear abnormalities in infants with congenital heart defects
- Ulualp SO, Wright CG, Roland PS Otolaryngology - Head and Neck Surgery 2005 133 260-268
- Advanced Bionics Thin Lateral and Helix II Electrodes: a temporal bone study
- Wright CG, Roland PS, Kuzma J Laryngoscope 2005 115 2041-2045
- Characterization of vestibular dysfunction in the mouse model for Usher syndrome 1F
- Alagramam KN, Stahl JS, Jones SM, Pawlowski KS, Wright CG Journal of the Association for Research in Otolaryngolgy 2005 6 106-118
Honors & Awards
- Member Phi Beta Kappa
Inducted Oklahoma University (1965)
Professional Associations/Affiliations
- Associate Member, American Otological Society


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Tallgrass Trail Blazers by khamm - 6 months ago
"The picture is the 2014 Tallgrass Trail Blazer Camp kids - ages Kdgn through 2nd grade in some of our area churches. The camp is located about 50 miles south of Topeka, Kansas. Working with Custo..." view full details
Kansas Tough Mudder - Pre-game prep by Going In Dry - about 1 year ago
"Kansas Tough Mudder - 2013 Topeka, KS 9/21/13 We designed and custom ordered our shirts to help us keep track of each other while covered in mud. Thankfully the shirts washed really well afterw..." view full details
The Baker Bunch by Stacy Baker - over 1 year ago
"We had one of the biggest teams at the Topeka Walk MS on April 13, 2013. After being diagnosed with MS on March 16, 2012, my friends and family came out for the second year in a row to support me i..." view full details
NAMI Walk 2010 by SWaugh - over 4 years ago
"Team Waugh got together again for this year's NAMI Walk in Topeka, KS. NAMI (National Alliance for Mental Illness) is an organization that provides programs for those affected by mental illness. W..." view full details
Aldermania 2008 by Judges - over 6 years ago
"Aldermania 2008 was the first annual scavenger hunt for the staff members at Aldersgate Village, a continuing care community for the elderly. We had 33 teams of 10, each team a different color shi..." view full details


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Summer fruits, cool desserts, and portable sweets all make this collection of baking ideas for your 4th of July celebration. You can find more recipe ideas in Bake or Break's Recipe Index.
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Stourhead: the wrong kind of history?
Stourhead is one of the finest examples of an English landscape garden. Inspired by politics, travel, literature and painting, the eighteenth century English landscape movement introduced a radical new style of naturalistic garden … Continue reading
Preserving Seaton Delaval Hall
There are a plethora of possible treatments available for historic properties. Experts talk about preservation, conservation, safeguarding, protection, restoration, adaptive re-use, repair, stabilisation, maintenance, rehabilitation, reconstruction. It can seem baffling. … Continue reading
Historic restoration as mille-feuille
It may be the only time that historic garden conservation has been compared to a flaky French pastry. But use of the term mille-feuille was not the only unusual thing … Continue reading
A million first steps
As you might expect, the British Library has an extraordinary wealth of archive material, including much that is essential study for the serious landscape historian. Its strap line, with some … Continue reading
Restoring decadence
Decadence is defined as moral or cultural decline as characterised by excessive indulgence in pleasure or luxury. In terms of Mughal design, Safdarjung's Tomb in Delhi is a fine example … Continue reading
Plant Hunting in Kashmir
I am delighted this month to have co-authored an article in Soiled and Seeded, a splendid on-line garden magazine that aims to provide "a rich and eclectic source of ideas, learned practices, history and … Continue reading
400 years of Le Nôtre
This year marks the 400th anniversary of the birth of André Le Nôtre, and the great designer is being honoured with an exhibition at the Tuileries in Paris and at … Continue reading
The Shakespeare of gardening
The year 2016 will mark three hundred years since the birth of Lancelot 'Capability' Brown, and plans are being put in place to celebrate this greatest of England's landscape designers. … Continue reading
Mughal gardens, Kashmir
One of the best and most beautiful expressions of Mughal culture is its gardens. Sadly, few examples survive, but among the finest are the terraced gardens in the Kashmir valley. … Continue reading
Gardens of Power and Passion
I wrote here about the fascinating experience of working on a television history of French gardens, presented by Monty Don. The programme, called Gardens of Power and Passion, will air this … Continue reading
The Unexpected Joys of Quarrying
One of the pleasures of landscape history is the often surprising places where information can be found. Trainspotters' model drawings, last wills and testaments, records from a convent, romantic novels, … Continue reading
Monty Don's French Gardens
One of my more exciting projects over the past few months has been providing consultancy advice to a forthcoming BBC TV programme on the history of French gardens, presented by … Continue reading
Flowers or gravel?
How flowery were 17th century French parterres? That was the question put to me last week by the head gardener in charge of one of Le Nôtre's most beautiful designs. … Continue reading
A mysterious French designer…
Search the internet for Elie Lainé and you'll readily find that he was a once-celebrated nineteenth century French landscape designer. You'll learn that he worked on big projects in at … Continue reading
Early Mughal myths
Ask a garden-lover what they know about Mughal gardens and the likelihood is that, pretty soon, they will say something about them being paradise gardens, a foretaste of the celestial … Continue reading
Fake Brown?
Recent discussions on this blog about the merits or otherwise of historical restoration reminded me of an interview I conducted a couple of years ago with noted British designer Kim … Continue reading
Ruined love…
… or why we should(n't) put the nose back on the Sphinx. The merits – or otherwise – of historical conservation was the subject of a splendid debate last week … Continue reading
Lutyens' Mughal Gardens
Today we visited the sumptuous Mughal Gardens that lie behind the President's Palace (Rashtrapati Bhavan) in New Delhi. Normally private, the gardens are opened free of charge to the public … Continue reading


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Egypt is to kick off on Saturday the local Premier League one year after it was suspended over deadly riots, state-run television reported on its website.
The fixtures are to be at army stadiums without fans, added the report, reflecting fears about new violence.
The previous season was suspended in February last year after 74 people were killed in riots at a stadium in the coastal city of Port Said, following a match between the home team and Cairo's al-Ahly.
Egyptian authorities had suspended the new season of the competition several times after street protests from die-hard fans, known as the ultras, who demanded that those responsible for the Port Said deaths be punished.
A court last week sentenced 21 Port Said supporters to death for their role in the riot. The ruling sparked violent protests in the coastal city, which killed 38 people.
The first match is to pit title holders al-Ahly against Ghazl al-Mahla of the Delta industrial city of al-Mahla at a military stadium near Cairo.
The competition is divided into two groups, each comprising nine teams.
Keywords: Egypt football riots, Port Said


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How Well Do You Know A Charlie Brown Christmas?
Take our quiz!
How Well Do You Know 2014's Biggest Pop Song Lyrics?
Take our quiz!
10 Reasons Why Charli XCX Is The Most Exciting New Pop Star Of 2014
Count 'em!
We Award The Biggest And Best Music Videos Of 2014!
Who made the list?
February 25th, 2013
The VJ Search is back! You can begin creating your profile today for the brand new VJ Search! In your profile you will be able to tell us about yourself by answering our fun questions, uploading a video outlining all your amazing skills, and provide links to your social media world.
Think you've got the stuff to be MUCH's newest VJ? Then we want to hear from you! Submit your profile today and start rating the amazing submissions here! We wanna see your personality, so make sure you show us your passion, knowledge, style, sense of humour and more! Today we take a look at VJ hopefuls Reid Valmestad, Xavier De Guzman, David Thompson and Nolan McAllister and their hilarious submission video.
Check out more profiles from VJ hopefuls here and start rating!
Tags: vj search
Posted on Monday, February 25th, 2013 at 5:24 pm by Allison and is filed under Blog.Tweet


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Fire damages Waterbury home
WATERBURY – A bedroom fire caused heavy smoke damage to a house at 64 Hickory Hill Drive Wednesday morning.
Fire Chief David Martin said the fire, which may have started in a closet light fixture, was reported shortly after 7 a.m. Wednesday and was under control about 15 minutes later.
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Use code HA9MWXdetails >* To Save 10% on orders $249 or more. Use promotion code HA9MWX during checkout. Discount does not apply to shipping charges, delivery surcharges, duties or customs fees and cannot be combined with any other offer. Promotion cannot be used on previous orders. This promotional offer may be modified or terminated at any time. Offer expires 12/27/2014 at 11:59pm ET.
Wave a ray of sunshine when you wear a pair of Yellow School color Short Gloves!
Use Yellow School Color Short Gloves to brighten up the stands during sporting events. Each pair of Yellow School Spirit Gloves measure 12 inches long x 5 inches wide and is made of 100 percent polyester. Spot clean only and hang to dry. Sold individually.


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Our Facebook Quiz Will Shortly Have Its 300th Film Guessed!
UPDATE: The 300th film has been guessed! Competitor James Waters recognized Ghost Dog: Way of the Samurai. Way back when Twitch had its own separate forum, the most-trafficked topic used to be the screenshot quiz. The rules were simple:... More »
By Ard Vijn


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Location: Japan > Kanto > Ibaraki Prefecture > Kitaibaraki
Price Range (Based on Average Rates): $$
Number of rooms: 73
- Reservation Options:
- TripAdvisor is proud to partner with JAPANiCAN so you can book your Daikanso reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Daikanso Japan/Kitaibaraki, Ibaraki


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Wholesale prices rise at slowest pace in 10 months
Find a Conversation
|Tue, 06-14-2011 - 12:37pm
Wholesale prices rose at the slowest pace in 10 months in May, as food costs fell and gas prices rose by the smallest amount in eight months. The figures suggest U.S. consumers could see some relief from rising prices soon.
AP Economics Writer
Wholesale prices rose at the slowest pace in 10 months in May, as food costs fell and gas prices rose by the smallest amount in eight months. The figures suggest U.S. consumers could see some relief from rising prices soon.
The Producer Price Index, which measures price changes before they reach the consumer, increased 0.2 percent in May, the Labor Department said Tuesday. That's down sharply from a 0.8 percent rise in April and a 0.7 percent increase in March.
Over the past 12 months, the index has risen 7.3 percent. That's the largest such increase since the 12-month period that ended in September 2008.
Excluding volatile food and energy, the so-called "core" index also increased 0.2 percent. The gain was driven by higher prices for plastics, clothing and new cars. The core index has risen 2.1 percent in the past year.
Rapid increases in food and energy prices have driven up inflation since last fall. That has slowed the economy as consumers have had to spend more on those items and less on other goods.
Retail sales fell for the first time in nearly a year last month as consumers bought fewer cars, according to a separate report Tuesday from the Commerce Department. Auto sales dropped 2.9 percent last month, pulling down overall retail sales 0.2 percent. That was the first drop after 10 straight increases.
Supply disruptions stemming from Japan's March 11 earthquake have reduced the number of cars on dealer lots, and dealers are using fewer sales incentives. That pushed up car prices 0.5 percent in May, the wholesale price report said.
Wholesale food costs dropped 1.4 percent in May, the steepest drop in almost a year. Fruit and vegetable prices led the declines. Tomatoes plummeted 47.2 percent, the most since last June, while spinach prices dropped 48.4 percent and watermelons fell 73.7 percent, the most on record.
Gas prices, meanwhile, increased 2.7 percent in May, but that was the smallest rise since last September.
Gas prices have fallen further since last month, after nearly reaching $4 a gallon ($1.05 a liter) in late April. The nationwide average price dipped to just under $3.70 per gallon Tuesday, according to AAA. Still, that's up $1 from a year earlier.
Oil prices, meanwhile, fell to $97 a barrel Tuesday due to concerns that a slowing global economy will lower demand. A drop in Greece's credit rating has intensified concerns about a weakening of Europe's economy. And job creation fell sharply in the U.S. last month, the latest in a string of negative economic data.
|Tue, 06-14-2011 - 8:33pm
Can you tell me why this indicates that things are "a whole lot worse"?
Isn't under control inflation, a good thing?
Retail sales drop is troubling, but the Japanese earthquake did impact car and electronic sales.
|Tue, 06-14-2011 - 2:02pm
Oil Prices: Headed Up or Down?
Are oil prices headed up or down? If Saudi Arabia has anything to say about it, quite possibly down. Over the past several months, the kingdom has been clandestinely raising production levels. It's been undertaking this in advance of Wednesday's OPEC meeting.
It's attempting to placate American, Chinese, and European oil consumers. According to an article in the Financial Times, the Saudis want to bring crude prices down to more "comfortable levels," i.e. $80 to $90 per barrel.
The FT says Saudi Arabia raised its May output by 200,000 bpd, and has plans to raise it another 200,000 to 300,000 bpd this month.
That would peg its overall output above 9 million bpd for the first time since 2008. With global refinery demand for oil on the rise, especially from China, the increase couldn't come at a better time.
Why is the demand from refineries increasing? It's the end of their annual spring refinery maintenance shutdown period, when refinery outputs are traditionally at their lowest points of the year. During outages, demand for oil lessens. Just the opposite happens when they restart operations.
But part of the rise is due to the Saudi's own power requirements. It's hot in the desert, and air conditioning loads go up dramatically during the summer months.
Nine million bpd is about 1 million bpd more than the low point (8 million bpd) reached when the Saudis cut demand in response to the worldwide recession back in February of 2009. More info. at link above.


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1-8 of 8 properties for sale found
£215,000 Offers in Region of
Offers in Region of £215,000
3 bedroom detached bungalow for sale Havelock Villas East Sleekburn Bedlington
***THREE BEDROOM DETACHED BUNGALOW - GOOD SIZED CORNER PLOT - GARAGE & OFF-STREET PARKING***Situated in Havelock Villas in the Semi-Rural Village of East Sleekburn on the Outskirts of Bedlington. This Well Presented Detached Bungalow Comprises: Entrance, Breakfasting Kitchen, Lounge/Diner with More details ›
£212,000 Offers Over
Offers Over £212,000
3 bedroom bungalow for sale Havelock Villas, East Sleekburn, NE22
Pattinson Estate Agents proudly welcome to the market this well presented, three bedroom detached bungalow situated in the semi-rural village of East Sleekburn on the outskirts of Bedlington. This property briefly comprises; Entrance, Breakfasting kitchen, lounge/dining area, hallway, three well More details ›
2 bedroom bungalow for sale , Havelock Villas, NE22
Pattinsons introduce to the market for sale this deceptively spacious stone built two bedroom cottage in the picturesque village of East Sleekburn. This property MUST be viewed to appreciate the beautiful garden to the rear, and how well appointed this lovely home is. The property has the benefit More details ›
2 bedroom bungalow for sale Havelock Villas, East Sleekburn, Bedlington
***DECEPTIVELY SPACIOUS STONE BUILT BUNGALOW - SOUGHT AFTER LOCATION - TWO DOUBLE BEDROOMS - EXTENSIVE GARDENS - NO UPPER CHAIN***Situated in the quiet village of East Sleekburn just on the outskirts of Bedlington, this beautifully presented spacious bungalow comprises; entrance hallway,... More details ›
2 bedroom semi-detached bungalow for sale Havelock Villas, East Sleekburn
An improved, double fronted semi-detached bungalow with conservatory, extra length attached garage and good gardens. The well laid out accommodation has Entrance porch and hallway, through lounge/dining room, re-fitted kitchen, two double bedrooms both with fitted wardrobes and an attractive ref... More details ›
Added on 18/09/2014 by Rickard Chartered Surveyors & Estate Agents, Ashington. Call: 01670 630052 Local call rate
£164,950 Offers in Region of
- Photos: 12
- Floorplans: 0
Offers in Region of £164,950
2 bedroom bungalow for sale Havelock Villas, East Sleekburn, Bedlington, NE22 7BB
Located in the pretty village of East Sleekburn, we welcome to the market this semi detached bungalow which briefly comprises; entrance porch, reception hall, through lounge diner, kitchen, conservatory, two bedrooms and bathroom. The property benefits an extra length garage and gardens to the fr... More details ›
Reduced on 19/11/2014 by Reece Lloyd Craig ltd, Blyth. Call: 01670 630047 Local call rate
3 bedroom semi-detached house for sale South View, East Sleekburn, NE22
Pattinson Estate Agents proudly welcome to the market this newly refurbished three bedroom semi-detached property situated in the popular semi-rural location of East sleekburn on the out skirts Of Bedlington. This property has been finished to a high standard and briefly comprises; Entrance porch More details ›
£19,950 Guide Price*
Guide Price* £19,950
5 bedroom property for sale Wilson Avenue, East Sleekburn, NE22
TO BE SOLD AT AUCTION on 23rd December 2014. Auction to be held at Kingston Park Rugby Ground at 5pm. Property sold under unconditional auction terms and conditions. We offer for sale this pair of flats which will be sold as seen. The upper flat has three bedrooms and two bedrooms to the lower f More details ›
- 1
Thank you.
Your information has been sent to 0 out of 5 agents who have property to sell in the area you specified.
*Guide Price: An indication of a seller's minimum expectation at auction and given as a Guide Price or a range of Guide Prices. This is not necessarily the figure a property will sell for and is subject to change prior to the auction.
Reserve Price: Each auction property will be subject to a Reserve Price below which the property cannot be sold at auction. Normally the Reserve Price will be set within the range of Guide Prices or no more than 10% above a single Guide Price.


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i like loud music and building stuff.
snapchat/instagram: YRGONGETIT
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