text:
A bankruptcy case commences when a bankruptcy petition is filed with the bankruptcy court. Fed. R. Bankr. P. 1002. A petition may be a voluntary petition, which is filed by the debtor, or it may be an involuntary petition, which is filed by creditors that meet certain requirements.11 U.S.C. §§ 301, 303. A voluntary petition should adhere to the format of Form 1 of the Official Forms prescribed by the Judicial Conference of the United States. The Official Forms may be purchased at legal stationery stores. The voluntary petition will include standard information concerning the debtor's name(s), social security number ortax identification number, residence, location of principal assets (ifa business), the debtor's plan or intention to file a plan, and a request for relief under the appropriate chapter of the Bankruptcy Code. In addition, the voluntary petition will indicate whether the debtor qualifies as a small business as defined in 11 U.S.C. § 101(51C)and whether the debtor elects to be considered a small business under11 U.S.C. § 1121(e).
Upon the filing of a voluntary petition for relief under chapter 11 or, in an involuntary case, the entry of an order for such relief, the debtor automatically assumes anadditional identity as the "debtor in possession." 11 U.S.C. § 1101.The term refers to a debtor that keeps possession and control of its assets while undergoing a reorganization under chapter 11, without the appointment of a case trustee. A debtor will remain a debtor in possession until the debtor's plan of reorganization is confirmed, the debtor's case is dismissed or converted to chapter 7, or a chapter 11trustee is appointed. The appointment or election of a trustee occursonly in a small number of cases. Generally, the debtor, as "debtor inpossession," operates the business and performs many of the functions that a trustee performs in cases under other chapters. 11 U.S.C. §1107(a).
A written disclosure statement and a plan of reorganization must be filed with the court. 11 U.S.C. § 1121. The disclosure statement is a document that must contain information concerning the assets, liabilities, and business affairs of the debtor sufficient to enable a creditor to make an informed judgment about the debtor's plan of reorganization. 11 U.S.C. § 1125. The information required is governed by judicial discretion and the circumstances of the case. The contents of the plan must include a classification of claims and must specify how each class of claims will be treated under the plan. 11 U.S.C. § 1123. Creditors whose claims are "impaired,"i.e., those whose contractual rights are to be modified or who will be paid less than the full value of their claims under the plan vote on the plan by ballot. 11 U.S.C. § 1126. After the disclosure statement is approved and the ballots are collected and tallied, the bankruptcy court will conduct a confirmation hearing to determine whether to confirm the plan. 11 U.S.C. § 1128.
While individuals are not precluded from using chapter 11, it is more typically used to reorganize a business, which may be a corporation, sole proprietorship, or partnership. A corporation exists separate and apart from its owners, the stockholders. The chapter 11 bankruptcy case of a corporation (corporation as debtor) does not put the personal assets of the stockholders at risk other than the value of their investment in the company's stock. A sole proprietorship (owner as debtor), on the other hand, does not have an identity separate and distinct from its owner(s); accordingly, a bankruptcy case involving a sole proprietorship includes both the business and personal assets of the owners-debtors. Like a corporation, a partnership exists separateand apart from its partners. In a partnership bankruptcy case (partnership as debtor), however, the partners' personal assets may, in some cases, be used to pay creditors in the bankruptcy case or the partners may, themselves, be forced to file for bankruptcy protection.
Section1107 of the Code places the debtor in possession in the position of a fiduciary, with the rights and powers of a chapter 11 trustee, and requires the performance of all but the investigative functions andduties of a trustee. These duties are set forth in the Bankruptcy Code and Federal Rules of Bankruptcy Procedure. 11 U.S.C. §§ 1106, 1107;Fed. R. Bankr. P. 2015(a). Such powers and duties include accounting for property, examining and objecting to claims, and filing informational reports as required by the court and the United States trustee, such as monthly operating reports. The debtor in possession also has many of the other powers and duties of a trustee including the right, with the court's approval, to employ attorneys, accountants, appraisers, auctioneers, or other professional persons to assist the debtor during its bankruptcy case. Other responsibilities include filing tax returns and filing such reports as are necessary or as the court orders after confirmation, such as a final accounting. The United States trustee is responsible for monitoring the compliance of the debtor in possession with the reporting requirements.
It should be noted that railroad reorganizations have specific requirements under subsection IV of chapter 11 which will not be addressed here and that stock and commodity brokers are prohibited from filing under chapter 11 and are restricted to chapter 7. 11 U.S.C. §109(d).
A small business debtor is defined by the Bankruptcy Code as a person engaged in commercial or business activities (not including a person that primarily owns or operates real property) that has aggregate noncontingent liquidated secured and unsecured debts that do not exceed $2,000,000. 11 U.S.C. § 101(51C). If a debtor qualifies and elects to be considered a small business under 11 U.S.C. § 1121(e), the case is put on a "fast track" and treated differently than a regular chapter 11 case under the Code. For example, the appointment of a creditors' committee and a separate hearing to approve the disclosure statement are not mandatory in a small business case. 11 U.S.C. § 1102(a)(3). A small business case proceeds faster than a regular chapter 11 case because the court may conditionally approve a disclosure statement, subject to final approval after notice and a hearing and solicitation of votes for acceptance or rejection of the plan. Thereafter, the disclosure statement hearing may be combined with the confirmation hearing. 11 U.S.C. § 1125(f). In addition, the debtor has a shortened period of time (100 days from the date of the order for relief) within which only the debtor may file a plan. After the 100-day period expires, any party in interest may file a plan; however, all plans must be filed within 160 days from the date of the order for relief. 11U.S.C. § 1121(e).
Another type of debtor that has special provisions under the Bankruptcy Code is a single asset real estate debtor. The term "single asset real estate" is defined as "a single property or project, other than residential real property with fewer than four residential units, which generates substantially all of the gross income of a debtor and on which no substantial business is being conducted by a debtor" other than operating the real property and which has aggregate noncontingent liquidated secured debts of no more than $4,000,000. 11 U.S.C. §101(51B). The Bankruptcy Code provides circumstances under which creditors of a single asset real estate debtor may obtain relief from the automatic stay which are not available to creditors in ordinary bankruptcy cases. 11 U.S.C. § 362(d). On request of a creditor with aclaim secured by the single asset real estate and after notice and a hearing, the court will grant relief from the automatic stay to the creditor unless the debtor files a feasible plan of reorganization or begins making interest payments to the creditor within 90 days from the date of the order for relief. The interest payments must be equal to the current fair market interest rate on the value of the creditor's interest in the real estate. 11 U.S.C. § 362(d)(3).
The automatic stay provides for a period of time in which all judgments, collection activities, foreclosures, and repossessions of property are suspended and may not be pursued by the creditors on any debt or claim that arose before the filing of the bankruptcy petition. As with cases under other chapters of the Bankruptcy Code, a stay of creditor actions against the debtor automatically goes into effect when the bankruptcy petition is filed. 11 U.S.C. § 362(a). The filing of a petition, however, does not operate as a stay for certain types of actions listed under 11 U.S.C. § 362(b). The stay provides a breathing spell for the debtor, during which negotiations can take place to try to resolve the difficulties in the debtor's financial situation.
Under specific circumstances, the secured creditor can obtain an order from the court granting relief from the automatic stay. For example, when the debtor has no equity in the property and that property is not necessary for an effective reorganization, the secured creditor can seek an order of the court lifting the stay to permit the creditor to foreclose on the property, sell it, and apply the proceeds to the debt.11 U.S.C. § 362(d).
It should be noted that, although creditors are stayed from action against the debtor unless relief is granted by the court, section 331 of the Bankruptcy Code permits applications for fees to be made by certain professionals during the case. Thus, a trustee, a debtor's attorney, or any professional person appointed by the court may apply to the court at intervals of 120 days for interim compensation and reimbursement payments. In very large cases with extensive legal work the court may permit more frequent applications. Although professional fees may be paid pursuant to authorization by the court, the debtor cannot make payments to professional creditors on prepetition obligations, i.e., obligations which arose before the filing of the bankruptcy petition. The ordinary expenses of the ongoing business, however, continue to be paid.
Creditors'committees can play a major role in chapter 11 cases. The United States trustee, a federal employee to be distinguished from a private case trustee or panel trustee, appoints the committee, which ordinarily consists of unsecured creditors who hold the seven largest unsecured claims against the debtor. 11 U.S.C. § 1102. The committee may consult with the debtor in possession on the administration of the case, investigate the conduct of the debtor and the operation of the business, and participate in the formulation of a plan. 11 U.S.C. §1103. A creditors' committee may, with the court's approval, hire an attorney or other professionals to assist in the performance of the committee's duties. A creditors' committee can be an important safeguard to the proper management of the business by the debtor inpossession.
Thereis no specific statutory time limit set for the filing of a plan; however, the debtor (unless a "small business" debtor, as set out above) has a 120-day period during which it has an exclusive right to file a plan. 11 U.S.C. § 1121(b). The debtor's exclusive period in which to file a plan may be extended or reduced by the court. After the exclusive period has expired, a creditor or the case trustee may file a competing plan. The United States trustee may not file a plan. 11U.S.C. § 307.
A chapter 11 case may continue for many years unless the court, the United States trustee, the committee, or another party in interest acts to ensure the case's timely resolution. The creditors' right to file a competing plan provides incentive for the debtor to file a plan within the exclusive period and acts as a check on excessive delay in the case.
The debtor in possession or the trustee, as the case may be, has what are called "avoiding" powers. Such powers may be used to undo a transfer of money or property made during a certain period of time prior to the filing of the bankruptcy petition. By avoiding a particular transfer of property, the debtor in possession can cancel the transaction and force the return or "disgorgement" of the payments or property, which then are available to pay all creditors. Generally, the power to avoid transfers is effective against transfers made within 90 days prior to the filing of the petition. However, transfers to insiders (i.e.,relatives, general partners, and directors or officers of the debtor) made up to a year prior to filing can be avoided. 11 U.S.C. §§ 101(31),101(54), 547, 548. In addition, under 11 U.S.C. § 544, the trustee is given the authority to avoid transfers under applicable state law, which often provides for longer time periods. Avoiding powers are used, for example, to prevent unfair prepetition payments to one creditor at the expense of all other creditors.
Although the preparation, confirmation, and implementation of a plan of reorganization is at the heart of a chapter 11 case, other issues may arise which must be addressed by the debtor in possession. The debtor in possession may use, sell, or lease property of the estate in the ordinary course of its business, without prior approval, unless the court orders otherwise. 11 U.S.C. § 363(c). If the intended sale or use is outside the ordinary course of its business, the debtor must obtain permission from the court. A debtor in possession may not use "cash collateral," i.e., collections of accounts subject to security interests or proceeds from the sale of pledged inventory or equipment, without the consent of the secured party or authorization by the courtwhich must first examine whether the interest of the secured party is adequately protected. 11 U.S.C. § 363.
When "cash collateral" is used (spent), the secured creditors are entitled to receive additional protection under section 363 of the Bankruptcy Code.Section 363 defines "cash collateral" as cash, negotiable instruments, documents of title, securities, deposit accounts, or other cash equivalents, whenever acquired, in which the estate and an entity other than the estate have an interest. It includes the proceeds, products, offspring, rents, or profits of property and the fees, charges, accounts or payments for the use or occupancy of rooms and other public facilities in hotels, motels, or other lodging properties subject to a creditor's security interest. The debtor in possession must file a motion requesting an order from the court authorizing the use of the cash collateral. Pending consent of the secured creditor or court authorization for the debtor in possession's use of cash collateral, the debtor in possession must segregate and account for all cash collateral in its possession. 11 U.S.C. § 363(c)(4). A party with an interest in property being used by the debtor may request that the court prohibit or condition this use to the extent necessary to provide"adequate protection" to the creditor.
Adequate protection may be required to protect the value of the creditor's interest in the property being used by the debtor in possession. This is especially important when there is a decrease in value of the property. The debtor may make periodic or lump sum cash payments, or provide an additional or replacement lien that will result in the creditor's property interest being adequately protected. 11 U.S.C. §361.
When a chapter 11 debtor needs operating capital, it may be able to obtain it from a lender by giving the lender a court-approved "superpriority" over other unsecured creditors or a lien on property of the estate. 11 U.S.C. § 364.
Although the appointment of a case trustee is a rarity in a chapter 11 case, a party in interest or the United States trustee can request the appointment of a case trustee or examiner at any time prior to confirmation in a chapter 11 case. The court, on motion by a party in interest or the United States trustee and after notice and hearing, shall order the appointment of a case trustee for cause, including fraud, dishonesty, incompetence, or gross mismanagement, or if such an appointment is in the interest of creditors, any equity security holders, and other interests of the estate. 11 U.S.C. § 1104(a). The trustee is appointed by the United States trustee, after consultation with parties in interest and subject to the court's approval. Fed. R.Bankr. P. 2007.1. Alternatively, a trustee in a case may be elected if a party in interest requests the election of a trustee within 30 days after the court orders the appointment of a trustee. In that instance, the United States trustee convenes a meeting of creditors for the purpose of electing a person to serve as trustee in the case. 11 U.S.C.§ 1104(b).
The case trustee is responsible for management of the property of the estate, operation of the debtor's business, and, if appropriate, the filing of a plan of reorganization. Section 1106 of the Code requires the trustee to file a plan "as soon as practicable" or, alternatively, to file a report explaining why a plan will not be filed or to recommend that the case be converted to another chapter or dismissed. 11 U.S.C. § 1106(a)(5).
The court, after notice and hearing, may, at any time before confirmation, upon the request of a party in interest or the United States trustee, terminate the trustee's appointment and restore the debtor to possession and management of the property of the estate and of the operation of the debtor's business. 11 U.S.C. § 1105.
The appointment of an examiner in a chapter 11 case is rare. The role of an examiner is generally more limited than that of a trustee. The examiner is authorized to perform the investigatory functions of the trustee and is required to file a statement of any investigation conducted. If ordered to do so by the court, however, an examiner may carry out any other duties of a trustee that the court orders the debtor inpossession not to perform. 11 U.S.C. § 1106. Each court has the authority to determine the duties of an examiner in each particular case. In some cases, the examiner may file a plan of reorganization, negotiate or help the parties negotiate, or review the debtor's schedules to determine whether some of the claims are improperly categorized. Sometimes, the examiner may be directed to determine if objections to any proofs of claim should be filed or whether causes of action have sufficient merit so that further legal action should be taken. An examiner may not serve as a trustee. 11 U.S.C. § 321.
In addition to the case trustee or examiner and the creditors' committee, the United States trustee plays a major role in monitoring the progressof a chapter 11 case and supervising its administration. The UnitedStates trustee is responsible for monitoring the debtor in possession's operation of the business, and the submission of operating reports andfees. Additionally, the U.S. Trustee monitors applications for compensation and reimbursement by professionals, plans and disclosure statements filed with the court, and creditors' committees. The UnitedStates trustee conducts a meeting of the creditors, often referred to as the "section 341 meeting," in a chapter 11 case. 11 U.S.C. § 341.
The United States trustee and creditors may question the debtor or thedebtor's corporate representative under oath at the section 341 meeting concerning the debtor's acts, conduct, property, and the administration of the case. The United States trustee also imposes certain requirements on the debtor in possession concerning matters such as reporting its monthly income and operating expenses, the establishment of new bank accounts, and the payment of current employee withholding and other taxes. By law, the debtor in possession must pay a quarterly fee to the United States trustee for each quarter of a year until the case is converted or dismissed. 28 U.S.C. § 1930(a)(6). The amount of the fee, which may range from $250 to $10,000, depends upon the amount of the debtor's disbursements during each quarter. Should a debtor inpossession fail to comply with the reporting requirements of the United States trustee or orders of the bankruptcy court or fail to take the appropriate steps to bring the case to confirmation, the United Statestrustee may file a motion with the court to have the debtor's chapter 11 case converted to a case under another chapter of the Code or to have the case dismissed.
It should be noted that inNorth Carolina and Alabama, bankruptcy administrators perform similar functions that United States trustees perform in the remaining forty-eight states. The bankruptcy administrator program is administered by the Administrative Office of the United States Courts, while the United States trustee program is administered by the Department of Justice. For purposes of this fact sheet, references to United States trustees are also applicable to bankruptcy administrators.
Prior to confirmation of a plan, there are several activities that may take place in a chapter 11 case. The continued operation of the debtor's business may lead to the filing of a number of contested motions. The most common are those seeking relief from the automatic stay, the use of cash collateral, or to obtain credit. There may also be litigation over executory (i.e., unfulfilled) contracts and unexpired leases and the assumption or rejection of those executory contracts and unexpired leases by the debtor in possession. 11 U.S.C. § 365. Delays informulating, filing, and obtaining confirmation of a plan often cause creditors to file motions for relief from stay or motions to convert the case to a chapter 7 or to dismiss the case altogether.
Frequently, the debtor in possession will institute a lawsuit, known as an adversary proceeding, to recover money or property for the estate. Adversary proceedings may take the form of lien avoidance actions, actions to avoid preferences, actions to avoid fraudulent transfers, or actions to avoid post petition transfers. Such proceedings are governedby Part VII of the Federal Rules of Bankruptcy Procedure. At times, a creditors' committee may be authorized by the bankruptcy court to pursue these actions against insiders of the debtor if the plan provides for the committee to do so or if the debtor has refused a demand to do so. Creditors may also initiate adversary proceedings by filing complaints to determine the validity or priority of a lien, to revoke an order confirming a plan, to determine the dischargeability of a debt, to obtain an injunction, or to subordinate a claim of another creditor.
A claim is a right to payment or a right to an equitable remedy for a failure of performance if the breach gives rise to a right to payment.11 U.S.C. § 101(5). In some instances, a creditor must file a proof of claim form along with documentation evidencing the validity and amount of the claim. When proofs of claim are required to be filed, creditors must file the proofs of claim with the bankruptcy clerk in the district where the case is pending. The clerk is required to keep a list of claims filed in a case when it appears that there will be a distribution to unsecured creditors. Fed. R. Bankr. P. 5003(b). Most creditors whose claims are scheduled (i.e., claims listed by the debt or on the debtor's schedules), but not listed as disputed, contingent, or unliquidated, need not file claims because the schedule of liabilitiesis deemed to constitute evidence of the validity and amount of those claims. 11 U.S.C. § 1111. Any creditor whose claim is not scheduled, or is scheduled as disputed, contingent, or unliquidated, must file a proof of claim in order to be treated as a creditor for purposes of voting on the plan and distribution under it. Fed. R. Bankr. P.3003(c)(2). If a scheduled creditor chooses to file a claim, a properly filed proof of claim supersedes any scheduling of that claim. Fed. R.Bankr. P. 3003(c)(4). It is the responsibility of the creditor to determine whether the claim is accurately listed. The debtor must provide notification to those creditors whose names are added and whose claims are listed as a result of an amendment to the schedules. The notification also should advise such creditors of their right to file proofs of claim and that their failure to do so may prevent them from voting upon the debtor's plan of reorganization or participating in any distribution under that plan. When a debtor amends the schedule of liabilities to add a creditor or change the status of any claims to disputed, contingent, or unliquidated claims, the debtor must provide notice of the amendment to any entity affected. Fed. R. Bankr. P.1009(a).
An equity security holder is a holder of an equity security of the debtor. Examples of an equity security are a share in a corporation, an interest of a limited partner in a limited partnership, or a right to purchase, sell, or subscribe to a share, security, or interest of a share in a corporation or an interest in a limited partnership. 11U.S.C §§ 101(16) , (17). An equity security holder may vote on the plan of reorganization and may file a proof of interest, rather than a proof of claim. A proof of interest is deemed filed for any interest that appears in the debtor's schedules, unless it is scheduled as disputed, contingent, or unliquidated. 11 U.S.C. § 1111. An equity security holder whose interest is not scheduled or scheduled as disputed, contingent, or unliquidated must file a proof of interest in order to be treated as a creditor for purposes of voting on the plan and distribution under it. Fed. R. Bankr. P. 3003(c)(2). A properly filed proof of interest supersedes any scheduling of that interest. Fed. R.Bankr. P. 3003(c)(4). Generally, most of the provisions that apply to proofs of claim, as discussed above, are also applicable to proofs of interest.
A debtor in a case under chapter 11 has a one-time absolute right to convert the chapter 11 case to a case under chapter 7 unless (1) the debtor is not a debtor in possession, (2) the case originally was commenced as an involuntary case under chapter 11, or (3) the case was converted to a case under chapter 11 other than at the debtor'srequest. 11 U.S.C. § 1112(a). A debtor in a chapter 11 case does not have an absolute right to have the case dismissed upon request.
Generally, upon the request of a party in interest in the case or the United States trustee, after notice and hearing and "for cause," the court may convert a chapter 11 case to a case under chapter 7 or dismiss the case, whichever is in the best interest of creditors and the estate. 11U.S.C. § 1112(b). The court may convert or dismiss a case "for cause" when there is a continuing loss to the estate, an inability to effectuate a plan, unreasonable delay that is prejudicial to creditors, denial or revocation of confirmation, or inability to consummate a confirmed plan.
There are important exceptions to the conversion process in a chapter 11 case. One exception is that, unless the debtor requests the conversion, section 1112(c) of the Code prohibits the court from converting a case involving a farmer or charitable institution to a liquidation case under chapter 7.
The filing of a written disclosure statement is preliminary to the voting on a plan of reorganization, and the disclosure statement must provide "adequate information" concerning the affairs of the debtor to enable the holder of a claim or interest to make an informed judgment about the plan. 11 U.S.C. § 1125. After the disclosure statement is filed, the court must hold a hearing to determine whether the disclosure statement should be approved. Acceptance or rejection of a plan cannot be solicited without prior court approval of the written disclosure statement. 11 U.S.C. § 1125(b). After the disclosure statement has beenapproved, the debtor or proponent of a plan can begin to solicit acceptances of the plan, and creditors may also solicit rejections of the plan. Fed. R. Bankr. P. 3017(d) requires that, upon approval of a disclosure statement, the following must be mailed to the United States trustee and all creditors and equity security holders: (1) the plan, or a court approved summary of the plan; (2) the disclosure statement approved by the court; (3) notice of the time within which acceptances and rejections of the plan may be filed; and (4) such other information as the court may direct, including any opinion of the court approving the disclosure statement or a court-approved summary of the opinion. Fed. R. Bankr. P. 3017(d). In addition, the debtor must mail to the creditors and equity security holders entitled to vote on the plan or plans (1) notice of the time fixed for filing objections; (2) notice of the date and time for the hearing on confirmation of the plan; and (3)a ballot for accepting or rejecting the plan and, if appropriate, a designation for the creditors to identify their preference among competing plans. Id. However, in a small business case, the court may conditionally approve a disclosure statement subject to final approval after notice and a combined disclosure statement/plan confirmation hearing. 11 U.S.C. § 1125(F).
As noted earlier, during the first 120- day period after the filing of the voluntary bankruptcy petition, which filing also acts as the order of relief, only the debtor in possession may file a plan of reorganization. The debtor in possession has 180 days after the filing of the voluntary petition (or in a case commenced by an involuntary petition, after the order for relief) to obtain acceptances of the plan. 11 U.S.C. § 1121. For cause, the court may extend or reduce this exclusive period. 11 U.S.C. § 1121(d). The exclusive right of the debtor in possession to file a plan is lost and any party in interest, including the debtor, may file a plan if and only if (1) a trustee has been appointed in the case, (2) the debtor has not filed a plan within the 120-day exclusive period or any extension granted by the court, or(3) the debtor has not filed a plan which has been accepted by each class of claims or interests that is impaired under the plan within the180-day period or any extensions granted by the court. 11 U.S.C. §1121.
If the exclusive period expires before thedebtor has filed and obtained acceptance of a plan, other parties ininterest in a case, such as the creditors' committee or a creditor, mayfile a plan. Such a plan may compete with a plan filed by another partyin interest or by the debtor. If a trustee is appointed, the trustee isresponsible for filing a plan, a report of why the trustee will notfile a plan, or a recommendation for the conversion or dismissal of thecase. 11 U.S.C. § 1106(a)(5). A proponent of a plan is subject to thesame requirements as the debtor with respect to disclosure andsolicitation.
It should be noted that, in a chapter 11case, a liquidating plan is permissible. Such a plan often allows thedebtor in possession to liquidate the business under more economicallyadvantageous circumstances than a chapter 7 liquidation. It alsopermits the creditors to take a more active role in fashioning theliquidation of the assets and the distribution of the proceeds than ina chapter 7 case.
Section 1123(a) of the BankruptcyCode lists the mandatory provisions of a chapter 11 plan and section1123(b) lists the discretionary provisions. Section 1123(a)(1) providesthat a chapter 11 plan shall designate classes of claims and interestsfor treatment under the reorganization. Generally, a plan will classifyclaim holders as secured creditors, unsecured creditors entitled topriority, general unsecured creditors, and equity security holders.
Undersection 1126(c) of the Code, an entire class of claims accepts a planif the plan is accepted by creditors that hold at least two-thirds inamount and more than one-half in number of the allowed claims in theclass. Under section 1129(a)(10), if there are impaired classes ofclaims, the court cannot confirm a plan unless the plan has beenaccepted by at least one class of noninsiders who hold impaired claims."Impaired" claims are claims that are not going to be paid completelyor in which some legal, equitable, or contractual right is altered.Moreover, under section 1126(f), holders of unimpaired claims aredeemed to have accepted the plan.
Under section1127(a) of the Bankruptcy Code, the proponent may modify the plan atany time before confirmation, but the plan as modified must meet allthe requirements of chapter 11. Federal Rule of Bankruptcy Procedure3019 provides that, when there is a proposed modification afterballoting has been conducted and the court finds after a hearing thatthe proposed modification does not adversely affect the treatment ofany creditor who has not accepted the modification in writing, themodification shall be deemed to have been accepted by all creditors whopreviously accepted the plan. If it is determined that the proposedmodification does have an adverse effect on the claims of nonconsentingcreditors, then another balloting must take place.
Becausemore than one plan may be submitted to the creditors for approval,Federal Rule of Bankruptcy Procedure 3016(a) requires that everyproposed plan and modification be dated and identified with the name ofthe entity or entities submitting such plan or modification. Whencompeting plans are presented and meet the requirements forconfirmation, the court must consider the preferences of the creditorsand equity security holders in determining which plan to confirm.
Anyparty in interest may file an objection to confirmation of a plan. TheBankruptcy Code requires the court, after notice, to hold a hearing onthe confirmation of a plan. If no objection to confirmation has beentimely filed, the Code allows the court to determine that the plan hasbeen proposed in good faith and according to law. Fed. R. Bankr. P.3020(b)(2). Before confirmation can be granted, the court must besatisfied that there has been compliance with all the otherrequirements of confirmation set forth in section 1129 of the Code,even in the absence of any objections. In order to confirm the plan,the court must find that (1) the plan is feasible, (2) it is proposedin good faith, and (3) the plan and the proponent of the plan are incompliance with the Code. In addition, the court must find thatconfirmation of the plan is not likely to be followed by liquidation orthe need for further financial reorganization.
Whilesome courts have a practice of issuing a discharge order in a caseinvolving an individual, a separate order of discharge is usually notentered in a chapter 11 case. Section 1141(d)(1) specifies that theconfirmation of a plan discharges the debtor from any debt that arosebefore the date of confirmation. After the plan is confirmed, thedebtor is required to make plan payments and is bound by the provisionsof the plan of reorganization. The confirmed plan creates newcontractual rights, replacing or superseding pre-bankruptcy contracts.
Thereare, of course, exceptions to the general rule that an order confirminga plan operates as a discharge. Confirmation of a plan ofreorganization will discharge any type of debtor—corporation,partnership, or individual—from most types of prepetition debts. Itdoes not, however, discharge an individual debtor from any debt madenondischargeable by section 523 of the Bankruptcy Code. Confirmationdoes not discharge the debtor if the plan is a liquidation plan, asopposed to one of reorganization, and the debtor is not an individual.When the debtor is an individual, confirmation of a liquidation planwill effect a discharge unless grounds would exist for denying thedebtor a discharge if the case were proceeding under chapter 7 insteadof chapter 11. 11 U.S.C. §§ 1141(d)(2), 727(a).
Atany time after confirmation and before "substantial consummation" of aplan, the proponent of a plan may modify a plan if the modified planwould meet certain Bankruptcy Code requirements. 11 U.S.C. § 1127(b).This should be distinguished from preconfirmation modification of theplan. A modified postconfirmation plan does not automatically becomethe plan. A modified postconfirmation plan in a chapter 11 case becomesthe plan only "if circumstances warrant such modification" and thecourt, after notice and hearing, confirms the plan as modified pursuantto chapter 11 of the Code.
FederalRule of Bankruptcy Procedure 3020(d) provides that, "[n]otwithstandingthe entry of the order of confirmation, the court may issue any otherorder necessary to administer the estate." This authority would includethe postconfirmation determination of objections to claims or adversaryproceedings which must be resolved before a plan can be fullyconsummated. Sections 1106(a)(7) and 1107(a) of the Bankruptcy Coderequire a debtor in possession or a trustee to report on the progressmade in implementing a plan after confirmation. A chapter 11 trustee ordebtor in possession has a number of responsibilities to perform afterconfirmation, including consummating the plan, reporting on the statusof consummation, and applying for a final decree.
Arevocation of the confirmation order is an undoing or cancellation ofthe confirmation of a plan. A request for revocation of confirmation,if made at all, must be made by a party in interest within 180 days ofconfirmation. The court, after notice and hearing, may revoke aconfirmation order "if and only if [the confirmation] order wasprocured by fraud." 11 U.S.C. § 1144.
Afinal decree closing the case must be entered after the estate has been"fully administered." Fed. R. Bankr. P. 3022. Local bankruptcy courtpolicies may determine when the final decree should be entered and thecase closed.


text: You in the mood for some throwback rave sounds? Chase & Status have you covered with their new single, "Lost & Not Found." It's hard to believe that it's been over two years since No More Idols was released, but it's not like C&S were sleeping. DAD just wasn't expecting them to come back with this vibe, but given that Emalkay just dropped his blend of "Crusader" and "Break and Enter," it feels like everything's coming full circle. You need to inject those classic vibes into today's sound anyways, so it makes more than enough sense. The only word on this single's release is the "coming soon" on the artwork, so wait with baited breath.

subset: commoncrawl


text:
In recent time the demand for online courses and services areveryhighand thisismainly because ofthe courses and professional learning centersthat are spread all around the internet world. The Spanish tutoring online enables any user or learner to getaccustomed to Spanishcourses and subjects within short instance of time, professionalguide and expertstrain the learner to start speaking the language. The onlineschedules are easy to access and the student can find teachers online all day long which makes it easy enough for learning process and thedoubts can also be cleared at thatmoment from such portals instantly.
Learning can be fun and filled with enjoyment when the technique or the tools used forlearning is designed in a certain way which engages the learner. The Spanish tutoring online is one such platform that makes learning easyandcomfortable for individual who are eager to opt for Spanish languages. Withonline portals the learner can select their own languages and checkoutdifferentmodels. Based on their learningabilities they canalways seek the help of professional guides and individuals who are available for any doubt. The website is designed with new tools and enjoyable items making it really attractive so that learners can find enough interest with the website.
The Spanish tutoring online has been presented with so many online tools and items which are all accessible for userswho are eagerto learn new languages or subjects easily sittingback at home or office. Online study and learning was ever such easier, but with time it isbecoming much more comfortable and designed with new facilities making it suitable enough for professional courses. However not onlySpanishlanguages the online portals are open for various other courseswhich areallowed for learners andthat too within affordable rates. This all make thewebsitereputedand favored amongst learners who opt to learn and this online learning opportunity is helping them to save time as well as get experienced guidance just sitting in front ofcomputer and following foe few hours.
The Spanish tutoring online has also been featured with free online quizzes and exam schedules that will help the learners to get thorough with the subjectand also realize how the learning process is going. The test allows every individual to get their present stand and also realize how efficient theyare with the language. The papers are set by tutors and have been fed into the website accordingly. Initially the user can get free access and learn all courses with the website andthen can take up the quiz to realize theefficiency level after certain period of time.
The Spanish tutoring online and its tabs are all featured with new audio as well as video messages and picturesthatallows the learner to get a abroad ideaand get accustomed with it thoroughly. This all helps thesure to get betterunderstandingand idea about the language without wasting any time and selecting from flexible schedules.
Garcinia Cambogia extract is a supplement that comes from the fruit called Garcinia Cambogia. It is a small pumpkin shaped fruit. The color will range from green to light yellow. This fruit has been there for a long time and been used in preparing some traditional medicines. This fruit is having so many health benefits. Modern medicine discovered this fruit and it's benefits recently. Then started using in preparing capsules of diet supplements. LiveTru Nutrition company manufactured one product called LiveTru Garcinia Cambogia using this fruit extract. So, this product is natural and safe.
People who use this product enjoy weight loss naturally without the need to do any exercises and dieting. Exercise is a big task for the people in this busy life. So, this LiveTru Garcinia Cambogia is a great boon for them. It acts as a blocking agent of fat and helps to accumulate the necessary fat and inhibits the unnecessary fat in the body naturally. It improves blood levels in healthier way and maintains cholesterol levels by balancing good and bad cholesterol. The fruit extract contained in this product suppresses the appetite for food naturally.
This aids in promoting natural state of health and reduces anxiety, depression or stress by increasing serotonin levels in the body which diminishes excessive eating. The LiveTru Garcinia Cambogia does not contain any additives or fillers. So, it is 100% natural and safe remedy for losing weight. It reduces craving for food naturally, enhances mental health and flushes out impurities naturally. The anti-oxidants present in the fruit extract helps to reduce aging related problems. This product contains more than 60% of HCA Hydroxycitric acid in it. This is proved clinically that the HCA substance present in it can be able to suppress the appetite.
Without stimulating the central nervous system, it improves the reduction of weight. LiveTru Garcinia Cambogia slows down the fat converting enzyme called Citrate Lyase. People who want to purchase this product can order it through online in the company's website. They ship the product in the same day after receiving the order. This product is made in USA. Even though the native of this Garcinia Cambogia fruit is Indonesia, it also grows in India, west and central Africa, South East Asia. Many people use this fruit as a preservation for fish. In some of the areas of Malaysia this fruit extract is used in preparing soups. This gives the filling feeling. It improves sleeping patterns also.
The plant and fruit is safe to use. So, the drug LiveTru Garcinia Cambogia which is prepared from this fruit extract is also safe and pure. If a person is diabetic, taking this drug may make the blood sugar levels drop. So, it is recommended to talk to the doctor before taking this medicine. Similarly pregnant women and breast feeding women also should not take this drug. The people who are taking medicine for cholesterol controlling and Alzheimer's, also should take this with caution. Because, there is a risk of worsening the disease and harmful side effects like muscle degradation.
When you see women getting more beneficial programs from the government, you would often wonder why. Though in the developed countries, women have equal rights as men, these had been into practice only for a few decades. To make women equal as men and to compensate the years of struggle, the government offers many programs for them. One such is the programs for single mothers. There are loads of reasons why single mothers need grants from the government. Most of the single mothers we see today were just taking care of chores at home and managed family. But, when they are left behind with kids by their spouses, it is not an easy task to continue to do the same.Especially, when the woman has no idea of pursuing a career, grants and assistance become inevitable. When the single mothers need to provide education, food and other basic needs to their kids, they need decent income, in lack of which the government supports them with various grants like college grants for single mothers and apartment help for single mothers.
Single mothers can find rent assistance not only from the government, but also many other private organizations have soft corner for the single mothers. The first place where apartment help for single mothers should be sought is the HUD. The website of HUD has all information regarding the sites that tell you all about rent assistance for single mothers. This is a very user-friendly site. The home page itself offers lot of information and how to browse through the site. You can find every detail related to buying a home, avoiding foreclosure, apply for the grants for housing, and talk to a counselor regarding the various grants and options available for single mothers. You can find a specific link called "Find Rental Assistance", which is where you need to start looking for.
You can find any other organizations helping in the area of apartment help for single mothers. Salvation Army has its branches spread across all the states, and strives to get rental assistance to the single mothers. It also helps in offering temporary roofs for single mothers, who need shelters immediately. You can also avail rental funds from this organization for up to 2 years. Apart from rental and apartment assistance, the organization helps in skill development, character building and lot other areas, which can help single mothers attain self-sufficiency.
Another option single mothers have is the Catholic Charities. This organization offers help in finding suitable grants, and offers temporary houses for single moms. Finding apartment help for single mothers becomes easy when such organizations are involved. Most of these organizations understand that helping single moms to be self-sufficient can actually uplift their life and career prospects. If you do not get federal help for paying your rent or finding an apartment, do not lose hope. You can find many organizations like YWCA, CoAbode and many more help you face the situation in the best way.
It is obvious that everyone might have tried one weight loss program or the other to stay fit and slim. Though the end results are not much appreciated we still dwell to follow those. So what would be the right weight loss plan that suits everyone? To get the answer continue reading this article.
Here I would like to say about customized fat loss review since the program got applause from many. The CFL program was designed by Kyle Leon, a nutrition specialist, to fulfil the dreams of getting slim. The CFL program is one suite plan that suits for all ages, height and weight. If you know about your body type then go ahead and register to get instructions and tricks for burning fat. Even if you are not aware about your body type still go to CFL program registration because Kyle doesn't leave you just like that. He clearly explained the step by step procedure which must be followed to know about your body type.
This customized fat loss review also put forth another important information to be noted. The regular diet plan insist on crash diet but CFL supports its users to have anti-diet. Now do you actually know the difference between these? In crash diet, people usually will not eat food or eat insufficiently. Though they may sound energetic at the beginning, gradually they undergo negative energy issues. Moreover they started to starve and eat plenty immediately after stopping diet. This gives zero dieting results. But Kyle says to eat the food that you prefer but it is essential to eat based on your age.
Many CFL users, in their customized fat loss review said about the benefits they got via the program. The users did not starve at any point of dieting time. They felt more energetic than ever. Moreover the CFL is not about taking up pills or powder, it is the combo of diet plan and workout tricks which must be followed for 12 weeks. At the end of 12 weeks, nearly 24 to 25 pounds of weight is reduced. All you need to do to reduce 24 pounds is to wait patiently and follow the guidelines exactly as such. Via CFL you can get the 5 veggies that must be eaten to reduce stomach fat.
Furthermore Kyle reveals 3 odd tips that helps people to reduce stomach fat easily. He also reveals the actual theory behind customized fat loss program. People give away their diet ideas easily since it is difficult to follow. Hence he decided that CFL must be simple and motivating. Instead of cutting of foods, he goes with procedures that helps in leaning body muscles. In turn CFL users get slim as their body metabolism is stipulated.
The bottom-line of this customized fat loss review is that Kyle teaches to people about calorie burning process and macro nutrition turbo changing technique which are responsible for repairing damaged body tissues and make it regular as before. So if you want to become slim, this CFL program is highly recommended.
Do you have amazing business plans or promotional video or services and products? Are you looking for ways to get observed by maximum customers? You should consider buying YouTube views and you would be helped by these in achieving desired notice from the customers. Receiving maximum notice of most of the customers is the primal problem that most of the folks are dealing with. Therefore, it is essential to have such a medium through which your customers and fans would be able to find you conveniently. It could be achieved by receiving numerous views on YouTube. The rating of your promotional video would be increased by the growing number of views. There are numerous companies offering their services in achieving a tremendous ranking in YouTube and in other famous search engine. The outstanding services of these companies help you to learn how to get more views on YouTube. They push their clients towards YouTube stardom by their excellent services. When you are successful in choosing the best company, you would be likely to receive more and more views on YouTube. It would be possible by putting your videos on the varied social networking as well as marketing website. In this way, the chance of getting numerous views increases. The best services of the best company would help you in getting up to ten lakh views for your advertizing video. Credit systems are provided by the reputed companies as most of the companies do not have any idea why one needs more reviews. You would be enabled in controlling your YouTube views by this system and it could be sent to the type of video you require. However, before finalizing any company, it has to be ensured that the company is reliable enough to increase the number of views on YouTube. Several ways are mentioned here by which you could increase the number of views for your video on YouTube. Firstly, it has to be kept in mind that there must be a good production value. Promotional videos need to be short but straightforward in presenting the whole functioning of the product. Secondly, a number of free blogs need to be set up by which you would be allowed to install video in. It is vital to write a post by which related phrases and keywords are contained in the video you have. Finally, you need to pay for a specific service from where you would be able to receive thousands of comments, likes and views. To summarize, it is important to mention the ways on how to get more views on YouTube should be followed. The more you follow all these methods the more be your YouTube views. However, it is essential to invest in authentic or original YouTube views. The reputation of your business could be decreased if you take help from fake companies. Be very careful about your advertizing video before posting it on YouTube. It has to be innovative as well as fantastic so that more and more customers get attracted to it. So, start your planning on how to utilize social sites for making your business a successful one.
Getting more and better views on YouTube effectively enhances the visibility of your work. Thus, if you want to promote your work, then nothing could be a better platform than YouTube. In fact, your work is likely to be more popularized and viable if you get it to be promoted via YouTube. There are some of the most innovative tips by which you could jolly well enjoy the maximum number of views in your YouTube page. In fact, your popularity expedites considerably and you would get to enjoy the best from your works simultaneously. Read on, if you wish to know how to get more views on YouTube. Well, the first thing which you have to do here is get hold of a new and absolutely unique channel of your own. Well, yes, you could jolly well get video views even without your own channel. However, having an absolutely new channel of your own effectively expedites the chances of getting more YouTube views. You need to be sure about the channel you chose thereby making it absolutely innovative and intriguing for the ones who view it. In fact, only then it would turn out to be innately popular. After this, comment on popular videos which have innumerable number of likes and views. Commenting on popular videos would also effectively enhance the proximity of your video or your channel of being liked by people. In fact, only when you comment on these popular videos, people get to check your channel and view it accordingly. You could also request the fellow viewers of a popular video to view your channel. Try to keep the comments smart and absolutely relevant which in turn would increase the chances of others viewing your video simply in a jiffy. Click and keep yourself updated about the popular channels which have greater number of views. This would also effectively enhance the chances of your video getting greater views. If you visit and browse along popular channels then it is pretty likely that your channel would be viewed by fellow commentators who in turn would popularize your video or channel if it is viable. You would also have to make sure that your video is popularized in popular social networking channels. Try to promote your video within social platforms if you really want to enjoy the best from it. There are also certain agencies which let you buy the views in a jiffy. Simply consult with these channels if you want to enhance and expedite the views on your YouTube channel in a jiffy. You need to be extremely sure and adept about the channels you choose and the mode of popularization you choose in order to enjoy the best from your videos. You have to make sure that the agencies you choose for the job are popular enough to help you with the job in a jiffy. Check the popular agencies in order to enjoy the best from your YouTube channel and also in order to grasp an insight on how to get more views on YouTube.
Having a state-of-the-art advertising medium and communication mode is essential in these rapidly expanding years of the internet. Today, YouTube has become one of the most recognized video sharing website throughout the entire world. Most of the folks are taking advantage of this website for advertising and promoting their business, services and products. Therefore, YouTube has become the best medium for meeting all these purposes. It is a true fact that no other means could be as convenient and effective as the implementation of videos. Following this inevitable fact, YouTube has emerged in the market of business today. The basic medium of webcasting someone's business over the World Wide Web is the YouTube views. Therefore, it is imperative to buy YouTube views while intending to develop your business. If you want to become successful and prosperous over the internet, you should go for adapting this relevant option now. Most importantly, YouTube offers the advantage of reaching uncountable customers at a time and for this you have to pay a reasonable or affordable cost. The success or prosperity of this tremendously effective marketing method depends on the number of YouTube views received by your advertizing video. Its rank would be higher in a well-known search engine or in YouTube by getting more and more viewers. By acquiring higher rank, it would be able to receive more exposure as well as views. Are you a business person? If yes, then some techniques ought to be adapted by which you will be helped in making a great web presence. Small amount of investment would be required only to buy YouTube views. Your promotional videos would be made popular with this initial investment. In fact, more viewership would be generated by this investment from a planned market. The number of viewers could be enhanced by this step and also it would help you in increasing customers for the business as well. In this way, you could be assisted in promoting and advertising your business online. Choosing the right professionals or an organization is vital who would be able to assist you better. Proper services as well as guidance should be provided by them. You would not find any difficulty in locating the companies that would provide you with YouTube views. While searching for companies providing YouTube views, you could come across with numerous small and big companies. However, it is always a good option to choose small companies with outstanding workforce. Finding a good company offering good deals and desired services would not be difficult at all. Many experts are employed by these companies providing excellent services at a reasonable price. Success in this competitive world cannot be guaranteed by posting only a video. Several innovative steps have to be taken for increasing the YouTube views for your promotional video. Your advertizing video would be made recognized with the accomplishment of this step. Moreover, it would help you in receiving lots of ratings, comments and subscribers.
Do you want to post a video in video? Well, in that case it goes without saying that Youtube is a remarkable business tool that you have at your end. But then, with millions of videos being posted every day, it could also be said that a promotional video might get disregarded easily. In case this occurs, it would turn out to be a sheer waste of money as well as effort. The secret to a successful promotional strategy in Youtube is after determining the hits that a video gets. No sooner than the views increase, so does the ranking of your video improve in the search engines. Hence, it is of utmost importance that your video gets a good ranking and in the process gets access to a good mileage as well. This is indeed important when it comes to promoting your products as well as services. In order to make this a true success you should buy Youtube views. This is an ideal way through which you can lure the attention of many people. When you buy YouTube views, you would find that it permits your promotional video to be all the more accessible and that too to your target audience. You could attain this by getting more viewers than your customers. You should also be assured of the fact that you are buying views from real people and not from any unauthentic sources which may freeze gradually. Rather, you should always aim for a real buzz in order to promote your video. Traffic bots might be simply detected by YouTube and this could remove the video from the website. Now the question is how do you define a successful promotional video? Well, to begin with, a successful video is defined by the number of views as well as the number of comments as well as ratings that it gets from the viewers. These ratings and comments are generally what make a promotional video popular online. Believe it or not, but then YouTube is an influential marketing tools that you could adhere to. The promotion that is done using this platform has to be pretty subtle and not obvious. Make sure the video you upload contains accurate information that is relevant to your niche. If you were promoting your site, make sure to include the URL of your site at the end of the video. Another thing that you need to take into consideration is the number of views that you get on Youtube. As a business professional, your primary objective is to make your business known to a wide group of audience. This can turn out to be sheer success if you promote your products and services through Youtube. More the people would view your site; more are the chances of making additional profit. In fact, with some investments on your part you could also buy YouTube views which would help you carve a niche for your own self. So, make sure to implement the right strategies and see the difference for your own self.
In this modern era, when technology has taken a new turn, you are sure to get an additional edge by posting your promotional video in YouTube. Believe it or not, but then, this is considered to be a far better option when compared to the conventional marketing medium. YouTube is noted for reaching a wide group of clients and that too without having to invest too much of money. But then, the most viable thing that would help you reach out to and make an online presence for your own self is by resorting to the option of buy Youtube views. The real success being the promotional technique would largely depend on the Youtube views that your marketing video would get. The additional views you get, the greater are its chances of getting a higher rank in Google and Youtube. This isn't all, the higher rank it gets, it goes without saying about the additional views it is likely to get. So, why do you think that increasing YouTube views would add to the popularity of your video? Well, this is directly proportional to how well your video would be ranked. Hence, in order to make this a real success you need to buy Youtube views. We know that this calls for an investment, but then the initial investment you make is sure to add to the popularity of your marketing video and would make sure that you get more viewership on the whole. As a marketer, your sole objective should be to make your video visible on the search results as well as on the lists of most viewed videos. If this occurs, an increasing number of people would be watching your video, which implies that you would get an increasing number of clients for your organization. But then, your job doesn't come to an end after you buy Youtube views and post the desired video online. Rather, your objective should be to improve Youtube views so that it turns out to be a popular source for many and you as a result get too many comments, ratings and subscribers for the posted videos. Once you are successful in taking up this step, you are sure to make additional profit for your business. Similar to the other marketing strategies, here too you would find that you could measure the success of your video by considering the number of views your video has received. As the views increases, you run at a higher risk of increasing your profit as well. Your much awaited dream of turning a Youtube start could turn out to be a sheer reality if you buy Youtube views. If you buy Youtube views then it would help your video get a good rank. You very well know how great it feels when you see your video getting million views. This is indeed an exciting experience and you know that your effort of making a video has reaped in the benefits. So, make sure to get ahead with this idea and in return it's you who would experience the wonderful difference!


text:
I cant figure this one out. put a new stereo in so i did all the upgrades you should do. big 3, yellow top optima battery, 200amp alternator upgrade from 70amp, the whole deal.
when i push the gas pedal ever so slightly my instrument panel will dim a bit, down to around 12.6v from 14.2v, even if nothing is on, no stereo no headlight no ac. let off the gas goes back up to 14v. but only seems to do it at lower rpms, 3000 and above seems to be fine. if i have my ac on the problem goes away no matter what rpm, always stays at 14.2 like it should, turn the ac off, it goes back to 12.6 when pedal pushed.
also, it only seems to do it after a couple minutes of the car being on. turn the car on, stays right where it should, but after a couple minutes the problem surfaces and stays. i went to advanced auto, did the check up, battery and alternator came up as running perfect. checked all my ground wires everything is tight, checked the fuse box, white wire where the eld goes was tight. took the eld wire out of the fuse box, still does it. put it back in still does it.
alternator is only two weeks old, so i cant imagine it being that. but who knows, might be a lemon. i do still have the original one just in case, problem is i need the higher amp for the stereo so i dont want to stick the old one back in. (and it's a pain to take out since it's slightly larger, have to take off the axle and the oil filter just to fit it.)
one of my problems is, when i stuck the new stereo in, i hadn't done any upgrades yet, and would get the loud volume, bass heavy dim, so that's when i started upgrading everything. problem is, been a few weeks through the process so i cant' remember whether i had the no load dimming issues before or not. if i did never noticed it, it's all just kinda blended into one. so i don't remember if it did it with the old alternator or not.
any ideas?


text:
Who do you think looks best today? (5 photos)
The best street style from London Fashion Week: http://ow.ly/p48HS via @StyleCaster
This Apple & Bee ($94; applebee-usa.com) weekender tote can double as a market bag. Plus, its whimsical dandelion print adds a charming touch, similar to Amanda Seyfried's playful carryall.Read MoreLess


text:
Important Information >>
I can't get to the website. Is this company still in business? Help!!!
The site is good but the link is bad. Its hard to notice but there is a space between .com and the slash /
Click the link and backspace the address until just the .com is left and hit enter. It will work.


text:
Latest Nominations |
Thailand's 5,000 Baht Note , Kuwait's 10 Dinar Note and Cape Verde's 1000 Escudos note Send your nomination to Banknote of the Year Co-Ordinator. |
IBNS Journal 53-4 |
is now available to download and will be posted to Members soon. Articles cover topics about India, Burma, ANZAC Banknotes, Mozambique, Maps and Printers. Login to download your copy. |
Read more... |
IBNS Membership Directory |
The PDF edition of the 2014 IBNS Members Directory is now available from the Members Area. |
Read more... |
Belize $10 1st July 1983 QEII Lost or Stolen in Mail |
A Belize $10 banknote, 1st July 1983, QEII Serial No. P/4 775259 has gone missing in the mail. It was mailed from the main post office in St. Petersburg, Florida on May 27, 2014 by regular international air mail and sent to Dammam, Eastern, Saudi Arabia. If you are offered this banknote with the serial numbers given above, please contact email@example.com. |
The IBNS Banknote of the Year award is an initiative of the IBNS to recognize an exceptional banknote issued each year.
IBNS Members can nominate a Banknote for the award by contacting the Banknote of the Year Co-Ordinator (firstname.lastname@example.com). Banknotes nominated must have been issued to the public (specimens and non-circulating currencies are inelligble) for the first time during the year of the award, and must have artistic merit and/or innovative security features. When nominating a note, please provide your reasons for nomination, and if possible, a scan of the front and back of the note. Nominations for the award will be accepted up to the 31st January of the following year. For full terms & conditions of the award, please see here.
Once nominations have closed, the winner will be decided by a vote of the IBNS, who will consider the artistic merit, design, use of colour, contrast, balance, and security features of each nomination. The winner will be announced at the the first IBNS Board meeting of the year.
Cape Verde's 1000 Escudos note
Do you know of a banknote issued to the public in 2014 that should be nominated for the Banknote of 2014?
If you do, please send your nominations to the Banknote of the Year Co-Ordinator (firstname.lastname@example.com).
View the Banknote of 2014 Nominations
KAZAKHSTAN THREE-PEATS AS BEST BANKNOTE In 2013
The International Bank Note Society (IBNS) announces that its voting membership has again selected the National Bank of Kazakhstan to receive its prestigious "Bank Note of the Year" Award for 2013. Facing stiff competition as always from the nearly 50 newly designed banknotes released worldwide in 2013, the 1000 Tenge denomination Kazakhstan note was followed in the closest voting ever by the Canada 10 Dollar and Fiji 5 Dollar currency bills. READ MORE
IBNS Banknote of 2013
Kazakhstan 1,000 Tenge Note


text:
Two Women Charged With Helping al-Qaida-Linked Group
The women are accused of funneling money to the al-Qaida-linked extremist group al-Shabab in Somalia
Man Arrested Near Canadian Border, Accused Of Plot To Join al-Qaida
Federal prosecutors say a 20-year-old California man has been arrested near the Canadian border in Washington state and charged with trying to provide support to al-Qaida's efforts in Syria.
Father Of Ore. Terror Suspect: FBI 'Brainwashed' Son
The father of an Oregon terrorism suspect testified Monday that his then-teenage son was suffering from an identity crisis and enduring a troubled home life when the FBI brainwashed him.
Ore. Bomb-Plot Defense Questions FBI Report's Accuracy
An attorney for an Oregon terrorism suspect on Wednesday tried to draw into question the accuracy and selectiveness of the written records made by an FBI agent who headed up the undercover investigation into her client.
Feds Won't Appeal Sentence In Millennium Bomb Plot
A 37-year prison sentence will stand for an Algerian man convicted of plotting to bomb Los Angeles International Airport at the turn of the millennium.


text:
login / sign up / content filter is: on
Cars > eulixx's Garage
F –34 Anchorage, AlaskaUnited States
eulixx is www.eulixx.com — updated 4 years ago
Permanent Link to eulixx's Garage:
No car information available.
— Profile last updated: Mar 7, 2010
Talk about products & methods of detailing your ride. What to use and what not to use, tricks of the trade and your personal expert opinions. Whether your a pro or novice.
New Jersey, United States
previous groups next groups view more
eulixx is not a member of any club groups
eulixx is not a member of any business groups
Log in to post comments.
previous comments next comments view more
eulixx has no bikes.
eulixx has no boats.
eulixx has no planes.
eulixx has no car garage videos.
Print your passion at Motortopia.com (http://www.motortopia.com)


text:
Ordered it on the 5th... came on the 9th. That was including the fact they where out of one product and had to substitute it for another. OMG, if you...Read More ->
MJM has always provided me with great products, service, and fast FREE shipping! Thanks MJM, TravisRead More ->


text:
Select () or exclude () categories to narrow your recipe search.
As you select categories, the number of matching recipes will update.
Find exactly what you're looking for with the web's most powerful recipe filtering tool.
I'm the mother of 2 and grandmother of 3 and also a home-based medical transcriptionist. I love baking and am a fanatic cookie recipe collector. Each Christmas season gives me the opportunity to make plenty of cookies, which my family all wait for their favorites when I do bake.
Chocolate, cookies, yeast breads.


text:
Physician Offers Presentation on "Low Back Pain in Adults: Diagnosis and Indications for Treatment"
October 03, 2012
Hudson, FL - Orthopedic Surgeon, Kirill Ilalov, M.D. is the featured speaker for an upcoming lecture on "Low Back Pain in Adults: Diagnosis and Indications for Treatment".
Back pain is the second most common symptom-related reason for physician visits in the United States. Up to 84 percent of adults have low back pain at some time in their lives.
Getting the right treatment requires getting the right diagnosis. As part of the diagnosis process, you may be asked by your doctor to take various tests. Each of these procedures helps your doctor find out how your back pain has progressed. Dr. Ilalov's discussion will focus on the rationale and indications for performing diagnostic testing in the evaluation of patients with low back pain and current treatment options.
This presentation is sponsored by Regional Medical Center Bayonet Point and will take place at Regional Medical Center Bayonet Point, Conference Center, 14000 Fivay Road, in Hudson, on Thursday, October 18 at 3:00PM.
This event is free to the public. Refreshments will be served. Due to limited seating, reservations are required, and can be made by calling (727) 869-5498 or 1-888-741-5119.
Marketing & Public Relations Contact:
Kurt Conover
(727) 861-5141


text:
Rock: Arc Angels bring back memories at House of Blues
09:57 AM CDT on Sunday, July 8, 2007
By MIKE DANIEL / The Dallas Morning News
E-mail email@example.com
Many lived a dream in the House of Blues on Saturday. Or, more precisely, a memory.
An abominably short but cloyingly sweet memory, at least in terms of a music career. It lasted one album of 12 songs � four of them singles � and 37 months, barely 12 of those in the national spotlight. Its sudden formation was spurred by the permanent loss of a musical legend, and its premature demise was spurred by the temporary loss of a musical soul.
Arc Angels, arguably the greatest post-Stevie Ray Vaughan meeting of Texas blues-rock minds, performed just its second concert in Dallas since incinerating itself in October 1993. And blessed be, it looks like we'll be seeing more of it.
One had to be paying attention to notice co-frontman Charlie Sexton's offhand introduction of a new song, especially since the band � himself and his counterpart, guitarist-singer Doyle Bramhall II, along with Double Trouble back-liners Tommy Shannon and Chris Layton � had just beforehand run through a sparse and almost ballad-like version of one of its iconic hits, "Sent By Angels."
But the presentation of "Crave and Wonder," which contains the same standardized, pop-friendly Texas blues underpinnings as most of Arc Angels' creations on its solitary 1992 release, validated a long-standing hope that the cogs of this act would bury their collective hatchets someday and make wondrous new music together.
That the sold-out House of Blues Music Hall show was being filmed by at least three on-stage camera operators provided another clue that Arc Angels' gigs here and in its Austin home since May are more than a way to artistically pass time. Particularly for Mr. Sexton and Mr. Bramhall, who both have active solo careers and constant requests for studio and road work (Mr. Bramhall supported Eric Clapton on stage during his world tour last year), a future Arc Angels DVD release can mean only one thing: reunification.
And that's so freaking cool. Arc Angels formed barely a month after Stevie Ray Vaughan perished; the reverence and vitality in Mr. Shannon and Mr. Layton can be readily heard through their playing on Arc Angels' lone self-titled album. And what better way to build upon the legacy of Texas' greatest rock guitarist than with a band with them in it as well as two Vaughan prot�g�s, each of which approached blues-rock guitar slinging from different planets?
It worked, but just for a while. Arc Angels' songs were pure songs and not flashy, trashy solo vehicles, and Mr. Sexton's considered demeanor and songwriting ambitions flew in the face of Mr. Bramhall's then-rampant orneriness and heroin use. Thus, the band collapsed.
But their friendship was rekindled several years later, and Arc Angels eventually began performing sporadically in 2002.
Now, this: a subdued, mature and extremely taut 90-minute set sprinkled with trivial oddities (Mr. Bramhall's guitar-strap issues, Mr. Sexton's fetish for switching guitars, Mr. Shannon's total lack of animation) and some soaring high points, such as the psychedelia-primed cover of Johnny "Guitar" Watson's "I Want To Ta Ta You Baby" and the strung-out string striking that capped off "Shape I'm In."
During that piece, the syrupy Mr. Sexton and hyper-angular Mr. Bramhall jammed the beat out in a jagged five-minute solo mashup that came within a high-E string of collapse numerous times, but improbably held together via a glue of ego, key and ultra-sensitized aural observation.
It was as if two incompatible down-in-the-dumps life forms got drunk and decided to try to get it on through a sorrowful, yet hopeful, alien love dance.
Yeah, I know: something straight from a dream.
This text is invisible on the page, but this text is affected by the invisible item's flow. This text is invisible on the page, but this text is affected by the invisible item's flow.
Click here to view the attachment


text:
Please login to get more out of this site
You are currently not logged in, do so now to add comments, like articles as well as photos, submit to competitions, translate articles and gain access to unlimited photo upload! If you are not registered yet, go here to find out more about Lomography and join now! If you just want a limited account for now you can use Twitter or Facebook. We would love to have you as a member here!
24 people like this photo
Liking photos helps us to present the best ones to you and others. 24 people like this photo. 24 people like this photo: dopa, mikahsupageek, mephisto19, moochie_lomo, lomo_bernis, leela_dark, fabyen, renaishashin, ecchymoses, satomi, vinz-satori, shasta44, missthayes, casiopeia, johnnyfun, emilyrachel, bccbarbosa, bkspicture, sssil, emkei, nicolas_noir, lene_, ohoska, and charisaemily.


text:
November 7 - November 23, 2014
Entertaining features, documentaries, and shorts from around the globe.
A Vacation from Ordinary Film.
The Film Society has a year-round staff that works on projects such as Cinema Paradiso, Outreach, theatre rentals, Emerging Cinemas and a multitude of programs.
Management Staff
Gregory von Hausch, President & CEO firstname.lastname@example.com
Bonnie Leigh Adams, Senior Program Director firstname.lastname@example.com
Michelle Filippi, Operations Director firstname.lastname@example.com
Senior Staff
Alissa Allen, Associate Director of Programming & Development firstname.lastname@example.com
Lennie Wong, Sr. Technical Director firstname.lastname@example.com
Irwin Levenstein, Membership Director & Official FLIFF Photographer email@example.com
John Campbell, Accountant email@example.com
Janet Schwartz, Volunteer Coordinator email@example.com
Erin Fontes, Filmmaker Liaison, firstname.lastname@example.com
Support Staff
Craig Hill, Head Projectionist firstname.lastname@example.com
Jeanne O'Grady, Concession Staff email@example.com
Steven Greenberg, Parking
Tech Team
Rudrick Dawes firstname.lastname@example.com
Chad Moulder firstname.lastname@example.com
Dorjan Williams firstname.lastname@example.com


text:
Tuesday, Jan. 8, 2013
Cork Factory Hotel 480 New Holland Avenue #3000 Lancaster, PA 17602 Directions
Marcus Sheffer with 7Group, will present the Living Building Challenge. It is a philosophy, advocacy tool, and certification program that addresses development at all scales. The program is comprised of seven performance areas: Site, Water, Energy, Health, Materials, Equity, and Beauty. It also fosters opportunities for ongoing dialogue and education about restorative principles in design, construction, and building operation. Join us to learn about this ground-breaking certification program. Join us to learn about this ground-breaking certification program over breakfast.
Historic Restorations
Event Price: $15.00 Member Price: $10.00
Event Website: http://www.centralpennsylvaniapreservationsociety.org/?page_id=220 Online Registration Available: Yes
Information Session
Danielle Keperling email@example.com Phone: (717) 291-4688


text:
Cake Toppers
Manufacturer: Montana Silversmiths 3 Results
Just Hitched Western Cake Topper
Just Hitched Cake Topper is a small silver colored resin sculpture of a farmer and his bride riding off into the sunset in his tractor.
Cherished Western Cake Topper
Montana Silversmith's Paul Cameron resin sculpture caketop featuring a cowboy giving his girl a rose. 5.5" L x 5.5" W x 7" H
Two Trails Become One Road Cake Topper
Hand in hand, this cowboy and cowgirl are uniting their pasts to create one beautiful future together. Our artists have captured a romantic moment in time with this romantic western collection, Two Trails Become One Road, by Montana Lifestyles.


text:
Blog | Comments |
WoW | 5 Comments |
Recent Comments:
Patch 3.0.8 bug roundup {WoW}
Jan 21st 2009 12:36AM Wow, just confirmed that bug. Can't sit down when teleport is out. Weird.. Hopefully blizz know about this one. And also, they make it sound like theres a cooldown on our new summoning spell. Its still the old spell, with a cooldown. Nothing new about it.
Scouting around with the Crashin' Thrashin' Racer {WoW}
Jan 5th 2009 7:42PM I don't stand on sandcastles.. I just build a better one than theres :) No.. Seriously though, what if a toy that everyone got for free allowed you to port anywhere you wanted, or allowed you to unlock boxes or doors, or even to sap / stun enemies.
I'm just saying, its something that Warlocks have always had, that no one used, and now everyone is finding uses for it, when its always been there if anyone cared to ask a warlock what they can do...
Bah. .spose I'm just bitter cuz we kinda suck at the moment :P
Scouting around with the Crashin' Thrashin' Racer {WoW}
Jan 5th 2009 5:47PM This is bad, Warlocks don't have many unique abilities, and Eye of Killrogg is one of them, this takes this skill away from us, and gives it to everyone.
I always used it for things like this, whereas most players don't even know it exists (apart from warlocks). Maybe if its such a good tactic, get a warlock in your group, and ask them to scout for you.
[UPDATED] Invincible vengeance no more {WoW}
Nov 1st 2008 3:02AM Ok, I've only ever been a warlock. But I'm affliction and everyone else is whinging. I have pretty good gear, and have about 7000 health hen I have an imp that gives me stamina.
We can't cast any spells if people are not in front of us, and if we are stunned we get interupted, only 2 of our spells are instant cast that cause DPS (Curse of Agony and Corruption). I am constantly stunned and then dead in about 3 or 4 seconds. If not , the other classes run in circles around me, and i cant cast any spells at them.
Ret Pally's are crying , but I can't do anything to them, because they heal themselves for 7000+ health, with hardly any mana, and lock's cant' heal.
WTF.. Someone told me Locks are OP, but I dont understand it, maybe in PvE, i go awesome, but in PvP.. I think we suck ?? Comments? (This is my first time ever playing Wow and have just reached lvl 70, so I am still pretty n00b :P)
Enter to celebrate patch 3.0.2 with a Paper Airplane from WoW Insider {WoW}
Oct 14th 2008 12:22PM Was just about to say I finished downloading final patch and got the final patch notes, but saw you have added a post with that in it too. hahhaa quick :) Anyway.. still hours to go before server comes up, but first thing I'm going to do is respec my lock and try out some Metamorphosis. See if we can finally find a way to get away when we get ganked by the overwhelming number of Horde rogues ;)


text:
The Game
Recaps: Nothing Was the Game
Clip (01/28/2015)
Highlights: Tasha's New Struggle
Highlights: Hungry? Why Wait?
Sneak Peek: New Team Captain
It's A Mann's World
Recaps: New School vs. Old School
Highlights: Just in Time for the...
Highlights: Mann to Mann
The Real
Highlights: Mike Colter's Many...
Wendy Williams
Big Sean's Complex Breakup
Stephen Bishop's Real Talk
Holly Robinson Peete Talks Football
Sneak Peek: Malik's Bag of Money
Real Husbands Of Hollywood
Season 3, Episode 12
One in a Bazillion
Full Episode (01/28/2015)
Breaking and Entering
In Sea Girt, NJ With Tawny Cypress
Highlights: Will Kevin Renege?
Clip (01/27/2015)
Highlights: Kevin Gets...
Recaps: One in a Bazillion
Being Mary Jane
Get a Glimpse of Season 2's Drama
Dennis Haysbert Falls Into Good...
Clip (01/26/2015)


text:
« Saturday, March 23
12:00 am - Backyard Chickens 101 @ Snowdrift Farm
Backyard Chickens 101 at Snowdrift Farm
Bring the whole family and learn the basics of raising your own small flock! The workshop will cover coop design, basic health care, holistic feeding methods, care of eggs and much more. Take home delicious eggs or chicks to start your own flock!
Space is limited, so please register today!
$20 per person
$30 per family
Location: Snowdrift Farm 1566 W. 10250 S. Victor, Idaho
Register by paying through Paypal below or by contacting us
2 people
this event


text:
Jo is a highly skilled Osteopath qualifying with a first class honours degree in Osteopathic Medicine. She has worked in practices for a number of years in London and Bristol and has now returned to Totnes, the place where she grew up.
Following her degree, Jo qualified as a Cranial Osteopath at postgraduate level at the prestigious Sutherland Cranial Collage. She is also an experienced Paediatric Osteopath having worked at the Bristol Children's Clinic as part of a team dedicated to treating mothers, infants and babies. As a mother herself she has plenty of expertise and is happy to see children of all ages.
Jo also has a degree in Sport and Exercise Science and is a certified Personal Trainer and Sports Therapist. This enables her to advise on lifestyle, ergonomics exercise rehabilitation and dietary issues.
She is registered with the General Osteopathic Council (GOSC) and is a member of the British Osteopathic Association (BOA).
Jo treats a wide range of conditions using a structural and cranial approach to treatments.


text:
Why I voted for the guy and will do it again.
This is a discussion on TX GOVERNOR says Let CHL holders carry everywhere within the Concealed Carry Issues & Discussions forums, part of the Defensive Carry Discussions category; Why I voted for the guy and will do it again....
Why I voted for the guy and will do it again.
"The only purpose for a pistol is to fight your way back to the rifle you should have never laid down". -unknown
I've always said that Rick Perry should keep his mouth shut and do what he does best -- stay out of the way and let the state continue to prosper. He pleasantly surprised me today by opening his mouth. He has a bad habit of opening his mouth at inopportune times and complicating what should be a simple issue. I've voted for him for years, but primarily because he lets the Legislature do it's thing (and it usually does the right thing) without him mucking it up.
One Riot, One Ranger. Long live the Republic of Texas.
"It is madness for sheep to talk peace with a wolf." -- Thomas Fuller
Governor tells Tea Party gathering he's in favor of it. So long as the legislature agrees and acts, that'll be great ... depending on what they define "everywhere" to mean.
Your best weapon is your brain. Don't leave home without it.
Thoughts: Justifiable self defense (A.O.J.).
Explain: How does disarming victims reduce the number of victims?
Reason over Force: The Gun is Civilization (Marko Kloos).
I'm feeling more than just a little state pride right now! Remember Goliad! Remember the Alamo!
Look im all about having guns but if a teacher is willing to have sex with our kids what makes you think diffent. We trust these people like we trust anyone else till we cant trust them no more. This aint what we need. Just my 2 cent.
I live directly across the street from an elementary school facing the school playground. All my kids went there, and my last just went off to middle school last year. I know most of the teachers and the administrators there. When I left the house today for lunch, six and seven year olds were out running, laughing, and didn't have a care in the world. It broke my heart to think that there are monsters out there that are capable of hurting these kids. Then I got angry. The recommendations that politicians are making can NOT stop this kind of attack, plain and simple. Look at the scenario: 4 foot chain-link fences separating the playground from the street 5 feet away, open gates every 30 feet or so. Metal detectors would not help - there are too many ways to get into the school, and how do you enclose a playground, build bulletproof walls around it? Banning the sale of ANY weapons would not help - these animals don't go announce their intentions or thier mental issues. Help for the mentally ill may not make a difference, either - all it takes is one to slip through the cracks. The only thing that would have an IMMEDIATE effect on the safety of those children is an armed, COMPETENT guardian overseeing them. And not just one, because the school has so much real estate. I would guess four to be effective. I just don't know how you could protect these kids otherwise...
Come on down! Did anyone mention no state income tax?
I moved down here from the Peoples Republic of Maryland at the end of 2006 and let me tell you, It is wonderful here! I have travelled all over the country and it has always been, "nice place to visit but wouldn't want to live there." Came to Texas for a wedding and called my wife and told her " I could live here." Nine months later closed on the house.
I am so glad that Gov. Perry dropped out of the race when he did. I think he can do more for me and mine in Austin than he could in Washington.
This has been his position on CHL holders for years. I can't imagine ever hearing anything close to this from anyone in Annapolis
Infowars- Proving David Hannum right on a daily basis
Perry has his moments as do most people. He has been pretty good for the state. I just wonder if he or the legislature set the fee on CHL. By the time you get done its right at 300 bucks.
Doing away with gun free zones is a great idea. I think the average of 3% carriers would be true in them as well. Those teachers inclined to carry would take advantage. I know two at my daughters high school that are permitted. I have invited one of them to my brothers range for some actual training instead of hole punching. This is a guy I would feel confident would TCB in an active shooter situation.
We have different gifts,according to the grace given to each of us.
I like it, needs to spread, really doubt it will. Look what happened in an Oregon mall.
The stupidity of some people NEVER ceases to amaze me.
Glad I live in Texas too, should give me sometime to panic buy in January because I'm all locked up for Christmas.
I heard about this and am glad he not only said that but also said that "One thing I hope I dont see is knee-jerk reaction from Washington, where they come in and think they know the answers."
I'll be testing this soon, I am scheduled to go to Austin tonight and tomorrow and want to take the kids to see the Capital.
"Don't hit a man if you can possibly avoid it; but if you do hit him, put him to sleep." - Theodore Roosevelt
Not that it's any surprise, but it's interesting to see the stark contrast between the responses to this here vs. the comments posted at the bottom of the article.


text:
January 2015 | New and in time to make 2015 Shot Show debut, the Nightstick® TAC-302B green-LED polymer tactical flashlight produces a 150 lumen green beam with a run-time of 3.5 hours on a pair of CR-123 lithium batteries.
Read MoreJanuary 2015 | Selected Nightstick® flashlights are now available with significantly higher brightness due to an internal upgrade to a new series of CREE® LED emitters.
Read MoreOctober 2014 | Bayco Products, Inc. triples the choices in its handy Nightstick® Mini-TAC MT-100 LED Penlight series by adding red and blue color choices to the original black.
Read MoreOctober 2014 | Featuring Nightstick's exclusive Dual-LightTM technology, Bayco Products, Inc. has announced the newest addition to its Nightstick line-up of professional lighting products.
Read MoreOctober 2014 | Bayco Products, Inc. announces a new rechargeable wand-style LED work light to its Nightstick brand of professional lighting tools that feature several smart innovations making it convenient and easy to get work done.
Read MoreOctober 2014 | Bayco Products, Inc. debuts two remarkable small and economical lights that offer true UV (ultraviolet) illumination at 365 nanometers (nm) and run from standard alkaline AA or AAA cells.
Read MoreSeptember 2014 | Bayco Products, Inc. announces three new Nightstick® LED flashlight offerings optimized and accessorized for mounting onto the accessory rails of long-guns.
Read MoreSeptember 2014 | Dependable lighting is the hallmark of Nightstick®, the Bayco Products, Inc. brand of professional product lines, and the latest additions to the Xtreme Lumens (XL) family are no exception.
Read MoreSeptember 2014 | Bayco Products, Inc., the maker of the Nightstick® brand of lighting solutions, and the only brand to offer Dual-LightTM technology, unveiled its latest product line today: the NSP-1400 Series Multi-Purpose Dual-Switch Dual-Lights.
Read MoreSeptember 2014 | Bayco Products, Inc. is proud to announce their newest Nightstick® Xtreme Lumens (XL) family member, the TAC-560XL Metal Multi-Function Rechargeable Tactical Flashlight.
Read More


text:
Download Fresh RAM 3.3.0
Click to download: http://www.reohix.com/Software/Fresh%20RAM.msi
Fresh RAM is a very powerful memory optimization solution. Your system may experience crashes, memory leaks, and slow applications that run out of resources. While using your computer, currently executed applications need a slice of your memory in order operate properly, thus this will slow down your equipment.


text:
In response to these risks, Durkin said some are looking at policies that would allow growers be protected from risks that cannot be controlled by the producer, including food recalls by competitors.
Federal crop insurance provides against low crop yields or declines in price or both. Durkin said some lawmakers are interested in greater options for producers.
Durkin said there is language floating around Capitol Hill that would direct the Risk Management Agency to conduct a feasibility study related to food safety events. Lawmakers seek to determine whether or not producers who are not at fault can insure themselves against losses from food safety events, he said.
The challenge to expanding crop insurance options for specialty crops is the trend to reduce federal budget expenditures. Another probability is that any insurance product would not likely include processors. Other difficulties include the uncertainties of measuring the risks of specialty crops. Yet another problem is defining the "trigger" where an insurance product would begin to apply, Durkin said.
"If you are a tomato producer and some (other) tomato producer has a recall and the bottom drops out of the tomato market, if people just stop buying tomatoes — can that be a definable event for insurance purchases for insurance purposes, a loss that could trigger coverage?" he said.
Though likely beset with limitations, USDA getting food safety insurance on the books has the potential to be one of the most effective drivers of Good Agricultural Practice compliance among growers of any size. I can't imagine the USDA offering the one without demanding the other.


text:
PROVIDENCE, R.I. — Colder air moves into the region this week, and more snow is on the way Wednesday, according to the National Weather Service.
"A strong cold front crosses the region tonight, bringing progressively colder conditions through next weekend," the Weather Service says in its forecast discussion. "Mainly dry conditions will be in place as large high pressure moves across. One exception will be for the risk of accumulating snowfall for Wednesday as low pressure develops well south of New England."
"Wednesday brings "a low to moderate risk of a few fluffy inches of snow, with highest risk over Southeast Mass.," the Weather Service says.
As for today, it's 32 degrees shortly before 7 a.m. in Providence, and the high will reach just 35 degrees, the Weather Service says. Expect mostly sunny skies and a northwest wind of 8 to 16 mph with gusts up to 30 mph.
The temperature will drop into the teens to night and work back up to 30 degrees Tuesday as clouds build.
"Another low may bring some snowfall next weekend," the Weather Service says.
For more weather and updates, see providencejournal.com/weather.