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Student Handbook
Portions of the School of Architecture program bulletin which are not covered elsewhere on this website are included below.
Context, Environment, and Personal Conduct
Students are expected to abide by the regulations, policies and by-laws of Andrews University and the School of Architecture as stated in the Bulletin and Student Handbook.
The School reserves the right to ask any student to withdraw from the School of Architecture whose work fails to meet the School requirements or whose conduct does not meet the standards and expectations of Andrews University.
Class/Studio Attendance & Decorum
University policy clearly states that "whenever the number of absences exceeds 20% (10% for graduate students) of the total course appointments, the teacher may give a failing grade. Merely being absent from campus does not exempt the student from this policy. Absences recorded due to late registration, suspension, and early/late vacation leaves are not considered excused. The class work missed may be made up only if the teacher allows. Three tardies are equal to one absence. - See Undergraduate Colleges Bulletin.
The dignity and respect due each faculty member and your fellow students is evidence of underlying attitudes that are supportive of the School's Mission. Faculty should be addressed using proper names. If any shortened or colloquial version of a faculty or student name is used it should be commonly understood to promote and build up the student or faculty's presence and should be used outside of the classroom or studio setting.
We expect students to be attentive in the classroom/studio. Sleeping, lounging, talking, eating, disruptive entrance or exit, or lewd or immature behavior are inconsistent with the objectives of this school. At the discretion of individual faculty, students will be notified in memorandum form with copies to the student's file of offenses. Repeated infractions may lead to further disciplinary actions.
Students should be guided by principles of neatness, modesty, appropriateness, and cleanliness. In practice, this means that:
-Students should avoid clothing that is tight fitting or too revealing
-Students should wear clothing appropriate to their gender
-Shoes generally are to be worn in all public places
-Roller blades/skates and skateboards may not be used in public buildings
Modest walking shorts are considered acceptable campus wear. Cut-offs, short shorts and bicycle shorts are appropriate only for athletic activities. Shorts are not permitted in Pioneer Memorial Church at anytime.
Men's Attire: Slacks or jeans with shirts or sweaters are the most appropriate basic dress for campus wear. Shirts must always be worn on campus and buttoned appropriately. Tank tops and bare midriffs are not acceptable. Acceptable swim attire is boxer-style shorts.
Women's Attire: Skirts or slacks/jeans with blouses, shirts, sweaters, and/or jackets or dresses are appropriate for most occasions. Immodest and unacceptable attire for women includes sheer blouses, tube tops, tops with low or revealing necklines, tops with narrow straps such as spaghetti straps, bare midriffs or backs, and short or revealing skirts. Modest one-piece swimwear is acceptable. Make-up and nail polish, if worn, should be natural looking and inconspicuous.
Studio Environment
All students will be assigned a drawing table and a key for a designated desk. The drafting table is furnished with a lamp, stool, and a parallel ruler. At the time of desk assignment students are charged the following:
- $37 fee for drafting desk, lamp, and stool
- $145 deposit for the mayline ruler
- $15 deposit for the key
- $50 deposit for board cover
- $30 deposit for cleaning fees
- $25 deposit for furniture
(Furniture must be approved by the School prior to its placement in the studio.)
All of the above items that have been assigned to you must remain in your possession and be returned to the architecture office in good condition in order to receive a full deposit refund.
Check out from the studio desk is at the end of the spring semester. If the desk is not checked out, a $30 cleaning fee, or, if needed, a $15 fee for the key will be assessed.
Partitions and their arrangement, installation of furniture or other objects must be approved by the School before construction and/or alteration. Computers, Radios, CD players, and tape players must not be audible. The use of headphones is required.
Defacing of School property cannot be tolerated. Fines will be assessed at the minimum of $100.00 excluding labor and materials needed for repairs and could result in possible expulsion from the architecture program. Unpaid fines will result in a hold on registration.
Plagiarism, Vandalism, and Theft
We understand the importance of respect for the physical and intellectual property of another individual or entity. Physical property should not be stolen or in any way diminished by our actions, furthermore an attitude of care and nurture for the things surrounding us is to be promoted.
All intellectual property, such as quotes, ideas, inspiration, books, articles, works of art, or illustrations should be gratefully acknowledged and referenced in accord with standards of good scholarship. Further, software applications should not be copied unless expressly allowed by those who hold its rights of reproduction. Likewise, copies from books or articles should be within the bounds of legal precedent regarding type and length.
Lifestyle, Work, and Worship
At Andrews University you will find ways of conducting life that are uncommon to normative expectations of popular culture. Within the context of this Seventh-day Adventist religious community, they range from the encouraged use of a vegetarian diet, to the promotion of health in the habits of daily life, to the recognition of inner beauty rather than superficial or applied adornment to the human body, to the suspension of work in a weekly cycle of rest and worship on the Sabbath (Saturday).
As a result of these community practices and institutions the School of Architecture promotes certain practices such as closing the Architecture Building prior to sundown on Friday evening and opening it after sundown on Saturday evening. This is a means by which student, faculty, and staff are encouraged to contemplate the goodness and grace of God in their life and offers opportunity for spiritual perspective on the work which is their calling. Vegetarianism and the principle of healthful living calls for a balanced and "holistic" perspective in our relationship to the environment and humanity. We understand that architecture is labor intensive and involves many hours of compelling engagement in order to create and understand diverse and complex ideas, yet we ask all those so engaged to exercise personal judgment with the use of time and its long term effects on personal well-being and social responsibility within the framework of this cultural perspective. To promote this principle, the building will be closed for a portion of every day.
Drugs, Alcohol, and Tobacco
The policy of Andrews University and the tenants of faith which give primary support to this institution are deeply concerned with the relationship between personal health, the environment, and our duty to humanity. This is, summarily, a consideration of the "wholeness of man" as a creative act from a benevolent and caring God.
Tobacco, drugs and/or alcohol in any form diminish and alter the expectations of conduct that the sponsors of this institution hold. It is our responsibility to respect and honor these beliefs and practices. In support of this belief, the use of any of these substances is prohibited in any of the buildings and on the campus of Andrews University.
Sexual Harassment and Pornography
God has endowed every individual with dignity and honor. We uphold and promote this distinction and will actively work to disarm and discourage disrespect of anyone because of gender. Printed, drawn, audible, and electronic media that cheapen and disgrace the human body or relationships which undermine this community's sense of value with which every person has been endowed will not be tolerated. The School Dean will advise and counsel any student or staff involved in such activity in accordance with Andrews University policy. Disciplinary action will be taken by the School of Architecture and/or Andrews University.
Physical Threats and Violence
Physical threats, weapons, and/or the intent to do bodily harm are not tolerated by the School of Architecture. Visual displays, commercial graphics, "artwork", or studio work which promotes or makes common violent themes are outside commonly held values implicit in the beliefs of this community. We understand and are touched by violent acts which surround us in the places where we work, worship, and live yet we commit ourselves to promote peace, resolution, and Christian love in the midst of such acts.
Ethnic and Religious Tolerance
Even though the School of Architecture has a particular interest in its religious orientation, it encourages an open discussion of values, ethics, and world views on a comparative basis. Out of respect for the values and points of view which are normative to the sponsoring institution, the Seventh-day Adventist Church, we remind each student, staff, and faculty member to be sensitive and seek to understand the cultural context in which you are a part.
All students, staff, and faculty will be expected to respect the ethnic origin of one another. We will work to provide equal status and opportunity for all groups of people. Racial prejudice in judgments, words and actions are out of place in the School of Architecture and Andrews University. We are reminded that Christ's final prayer was centered around oneness, (John 16 and 17). We will see tolerance as a privilege for all people and will work to serve one another, to value initiative, diligence, perceptiveness, and excellence in the pursuit of knowledge and good works.
Conduct while on Extension Programs and Off-Campus Activities
Students, staff, and faculty who are participants in field trips, or extension programs related to class work are responsible in representing the values, and standards of Andrews University. Additionally, we ask that off campus social activities involving students or faculty be discreet and in keeping with University standards as they can easily be construed as being sponsored by Andrews University and/or the School of Architecture. We ask that individuals respect the interest of the University and those who sponsor it.
University and School action may result from the disregard of principles congruent with the institution's understanding of individual responsibility, cultural context, environment, and sensitivity to community values.
Ownership of Student Work
The ownership of all work produced by any student for any class at Andrews University is vested in the University. The School of Architecture requires that students' work be retained for future use as exhibitions, evidence for accreditation visits and for the School archives. The work may be returned when it is no longer needed for these reasons. Students may make copies for use in portfolios as required.
Safety Inspection Program
Purpose: These guidelines have been designed to protect the safety of students and faculty as well as to meet the National Fire Protection Agency's Life Safety Code.
Standards: The following standards will be maintained:
1. Egress
a. Each classroom must have a reasonably direct access to at least one exit. The exit pathway will be marked by tape on the floor.
b. Exit pathways must be a minimum of 24 inches wide and 80 inches high. These aisles must be kept completely clear at all times.
c. No objects (in area other than aisles) may hang lower than 90 inches from the floor.
d. Arrangement of desks must be approved by the University Loss Control and School Administrator.
2. Flammable items. Room dividers and hanging items will be constructed of non-flammable materials.
3. No open flame, such as candles or matches are allowed within the studio spaces.
Responsibility: Each student is responsible to maintain the above standards in and near his or her work area.
Inspections: Inspections will be conducted no more often than ten times per semester and will be performed by the School Dean, the University Loss Control Director or the University's insurance representative.
Student Fine
Students whose work areas are located near an impaired aisle or who fail to meet the above guidelines will receive a $25 fine per failed inspection. Students will be allowed two failed inspections per school year to serve as warnings, where a fine will not be levied.


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Pancakes, Lightened Up
by Toby Amidor in Healthy Recipes, Meal Makeovers, September 28, 2009
I love digging into fluffy pancakes. In fact, banana-chocolate chip is the house favorite. But let's face it — topping your pancakes with gobs of syrup and butter is not the healthiest way to start your day. Do a little swapping in your recipe, and you can lighten up your pancakes in no time.
Making Your Own
If you're buying pancakes in box, stop! Making your own is super easy and you probably have all the ingredients on hand — flour, eggs, baking powder, sugar, milk and butter. Check out that box mix's label; you probably can't pronounce some of the ingredients. Some mixes even contain trans fats (from hydrogenated oils). Plus, many that are branded as "healthy" include enriched and processed flour — do it yourself and you can swap in a variety of higher-fiber flours (more below).
Nutrition Facts
A three-stack of large pancakes can run you around 500 calories, and that's without the toppings. Drizzle on a few tablespoons of syrup, and the total is closer to 700 calories (plus, loads of sugar). Add some butter and that's another 100 calories per tablespoon. Your breakfast is now more like 900 calories!
Simple Swaps
Luckily, you can easily modify grandma's famous pancake recipe. First step: Trade the whole milk for 1% or fat-free. If your recipe calls for heavy cream, use whole milk instead (two tablespoon of heavy cream = 103 calories, while two tablespoon whole milk = 20 calorie.) You can also replace the eggs for egg substitutes for lower-cholesterol pancakes; go for 1/4 cup of egg substitute for each egg.
The Flour
This is main ingredient, and there are several possibilities. Add fiber by combining whole wheat flour with white flour. If you're trying whole-wheat flour for the first time, use a one-to-one ratio of white to whole wheat — this will keep your pancakes fluffy. My favorite flour to use is buckwheat; it gives the pancakes a nutty flavor and works great with bananas. Not all grocery stores carry specialty flours, but one brand to look for is Bob's Red Mill — they offer whole wheat, amaranth, buckwheat, corn, millet and quinoa. They also offer pancake mixes such as a 10-grain, cornmeal, high fiber and even gluten-free that are worth trying.
Rather than pouring on the syrup, add sweetness (not to mention more nutrients) by mixing in berries and bananas. Blueberries, strawberries, and raspberries contain an antioxidant called anthocyanins and dd minimal calories. Bananas add potassium, fiber and vitamin C. If add ins aren't your thing, opt for a few silver dollar pancakes or one mediumone and pair it with a fruit salad.
Of course, some days I just want a special treat, and I grab my dark chocolate chips. I toss around ½ cup to my mix — this usually scores me some extra hugs and kisses from the kids and hubby.
Most of the cheaper syrup brands contain high-fructose corn syrup, which you should eat sparingly. I prefer using one or two tablespoons of 100% maple syrup (about 80 calories). Sure, the real stuff costs more, but the smaller portions will make it last longer.
Butter is another popular topper, but cut it down or out entirely (I don't use any on my pancakes). Adding a small pat of butter to the griddle when you start cooking helps add buttery flavor. Using a nonstick pan or cooking spray instead of butter is another option. If you can't live without the butter, go for a teaspoon, which is one pat.
Granola and nuts are other toppers that add healthy fats and fiber, but remember cup fulls of granola or nuts will add hundreds of unneeded calories. Stick to two-tablespoon portions so you get the benefits of the fats without overdoing it.
- Recipes to try:
- Blueberry-Buckwheat Pancakes
- Chocolate Pancakes
- Heart-Shaped Whole Wheat Pancakes
- Healthy Harvest Pancakes
TELL US: What's your favorite way to make pancakes?
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Sweet potatoes are naturally good for you — here are five ways to cook them. ...Comments (
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You're very welcome. I don't remember where I got it from at this point but it was a way to sweeten whole wheat pancakes without adding a lot of sugar, as a diabetic that one appealed to me.
I either use a base mix or make from scratch. Either way I add RAW wheat germ and oat bran (from health food store – it is kept refrigerated) 1% milk. Also add frozen blueberries, mashed banana or whatever type we want that day. Nobody knows the wheat germ and oat bran are there and I use about 2 Tbsp wheat germ and @ 1/4 cup oat bran to @ 1 1/2 c. dry ingred.
I use bisquick mix with skim milk and egg beaters for the pancakes, spray the pan with spray oil and then use spray butter and sugarfree pancake syrup, Then top with fruit if you like. YUMMY!!!
I like to add a small amount of butter extract and maple extract to my pancake batter to give my pancakes extra flavor without adding any calories whatsoever. Fruits are great additions, but they add carbs & calories; even spray butter and most sugar-free syrups have calories. I prefer Walden Farms Sugar Free Calorie Free Pancake Syrup. You can even add the extracts to the syrup to give it an extra buttery flavor and/or additional maple flavor.
I like to add some sweet potato puree to add some healthiness for my toddler who refuses to eat his veggies. It also adds to the flavor. I add a little ground flax seed, vanilla extract and cinnamon too. I love the grated apple idea, I'll have to try that next time.
I cook fruit to use as syrup. The easiest is to keep frozen blueberries and raspberries on hand and throw them frozen into a little saucepan, add a little water, pure vanilla or maple extract and a couple packs of Splenda . Simmer uncovered and reduce for about 20 minutes. Pour on top of pancakes made with buckwheat/wholewheat flour, baking powder, 1 pack Splenda, egg whites and low fat buttermilk. Top with the warm fruit topping. Delicious!
I use a powdered buttermilk and blend it with the fruit I am adding to my mix.It has a long shelf life and I don't use buttermilk enough to buy it fresh.But when I have it on hand I find I make more breads and such that are so much healthier for my family than whats out there on the market shelfs
I use a whole grain box pancake (to save time) add some milled flax seed and cook them in trans fat free canola, then we top them with whole raspberry syrup or sugar free maple-just one or two with a banana and a piece of turkey bacon is a complete and guiltless breakfast <3
I have son is who allergic to dairy and eggs – so I use the Heart Healthy Biquick – I add applesauce or an egg replacer – and I do either sweet potatoes (from mashed) into it – or I add BUtternut Squash puree. Gets the veggies in and they are both sweet. I just make big batches of both and freeze them in ice cube trays and pop them into baggies and use cubes as needed. Love the grated apple idea too. Will try!

subset: commoncrawl


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Time-Saver Standards for Architectural Design Data
Michael J. Crosbie / John Hancock Callender, ?Time-Saver Standards for Architectural Design Data?
Mcgraw-Hill | ISBN: 0070685061 | 7th edition (November 1, 1997) | 1072 pages | PDF | 173 M (Full ISO)
The standard reference in architecture and building construction, this Seventh Edition has been completely rewritten and revised with new contributions by over eighty world authorities and specialists. Now in a convenient single volume, it reflects essential changes and new knowledge in the field of architecture since the last edition 15 years ago. Part I contains new reference articles on the fundamentals of architecture and design. Part II contains design data on all aspects of architectural design and building construction, including substructure, superstructure, building shell, interiors, and services, and is formatted according to the Uniformat II classification system. First published in 1946, McGraw-Hill's Time-Saver Standards is one of the world's most widely consulted and respected references on architectural design and building construction fundamentals and data.
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[Fast Download] Time-Saver Standards for Architectural Design Data
Managing the Design Process-Concept Development: An Essential Manual for the
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A Life by Design: The Art and Lives of Florence Broadhurst
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Artist Myah Sundvall explores the boundary of Art, Erotic Art, and Pornography and Alex Yarde invites readers along.
The Secret to Desire in a Long Term Relationship
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Warning: This is not a post about gender, sex, or towering rage. It's basically a piece of literary criticism. Also, some spoilers follow. So, as Charles creepily informed you, we've been reading Fifty Shades of Grey. Presently, we're actually a bit of the way into sequel Fifty Shades Darker. Once we finish the trilogy, we're going to […]
Your Humble Editors are Reading Fifty Shades of Grey.
Because of course we are. Did you think we'd let you down? Never, baby. We're gonna stick with you through the end. And we're gonna protect you, and give you expensive gifts and get all up in your business and maybe cross a few lines but only because we've never wanted someone as much as […]


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Episode Information
Good morning everyone!
Today is my last day covering the CT Film Festival, which is running in downtown Danbury. Don't be alarmed though, the Festival continues through Sunday June 7th, so if you haven't gotten a chance to stop by, you still have the whole weekend!
Today at 1:30 I interviewed Karen Hunter, of Rose Mountain Productions, on film. Her production company recently produced a CT Film Festival feature "Henry O!". I'll be working on editing Ms. Hunter's interview into a report on my time at the film festival, so look for that on the website by Monday night!
Following Ms. Hunter's interview I attended a seminar at the Interactive Conference called "Going Viral!". The workshop is led by J. Sibley Law of Saxon Mills and is aimed at informing people of the power of online media. After his talk, Mr. Law agreed to interview with me.
The interview with J. Sibley Law was live at 4:00 p.m. Watch it now OnDemand.
This afternoon I secured an interview with Michael Sibay, who directed and wrote the film "The Road to Empire". This interview was also captured on film and will be part of my edited coverage that should be up by Monday. Sal Tumino, of Video Moments Production, helped me film the piece. If you're interested in seeing Mr. Sibay's film, it is playing at the festival tonight at 8:15 pm and tomorrow at 7:30 pm, so head over to the Danbury City Center to get tickets!
View our Photostream coverage below!
Created with Admarket's flickrSLiDR.


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Award Winners
- Award Type: Creative Award
The New York Festivals International Advertising Awards celebrates the best in interactive, TV/cinema, outdoor, design, print and radio advertising. This competition draws the best and most creative work from all corners of the world and grants the winners a platform on which they can be recognized internationally by their peers. Entries are judged by senior creative directors from 67 countries. With representation in 62 countries, NYF has a vast community with which to promote the winners and their winning work.
Go back to list of all award shows
New York Festival World's Best Advertising
John F. Kennedy Library and Museum - "We Choose The Moon" - The Martin Agency
Title | "We Choose The Moon" |
Agency | The Martin Agency |
Campaign | The Moon - John F. Kennedy Library and Museum |
Advertiser | John F. Kennedy Library and Museum |
Brand | John F. Kennedy Library and Museum |
Want to see all the credits ?
Subscribe and Get Inspired.
See the world's best ads.
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| |
Business Sector | Subscribers Only |
Media Type | Interactive |
Production Company | D...ni S....os Subscribers Only |
Executive Creative Director | Jo....an H...s Subscribers Only |
Creative Director | Mr. Joe Alexander |
Creative Director | ..n Tr......ank Subscribers Only |
Art Director | B...n Wi....ms Subscribers Only |
Copywriter | Mr. Wade Alger |
Agency Producer | d...i fr....ll Subscribers Only |
Agency Producer | N...a K..e Subscribers Only |
Editor | Jim Vaile |


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Steve Lawler and Viva Music Rave Out at Soho Studios November 5
Categories: Concert Preview
OK, we joke. But the point is Lawler's an international icon with a very busy schedule.
In the 20 years since he first got hooked on pirate radio, the Birminham-born Brit has gone from DJing raves under England's M42 Motorway to owning residencies at Ibiza's Space and Cream to heading up his own Viva Music label. And still he somehow finds time to never-endingly zip around Planet Earth on the back of his signature "deep" and "sexy" sound, playing gigs like this weekend's Viva Tour show.
With backup from labelmates Leon and David Pher, expect Lawler to be locked into both host and headliner modes. Expect classic house, unknown cuts, and dark drums. But don't expect him to reveal the secrets of teleportation. The patent is still pending.
Steve Lawler with Leon and David Pher. Friday, November 5. Soho Studios, 2136 NW First Ave., Miami. Doors open at 10 p.m. and tickets cost $30 in advance via wantickets.com. Call 305-600-4785 or visit sohostudiosmiami.com.
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text: Jeremy Utley wrote: > Tom Black wrote: > >> Ok, I've gotten through to chapter 6 in the Chroot environment, >> re-adjusted the toolchain, deleted the binutils directories and was >> starting to install binutils. When I arrived at the test for pseudo >> terminals I typed >> expect -c "spawn ls" and got the following error: >> expect: command not found >> it's not in >> I've read through the faq's and searched but can not yet find a >> relevant answer. >> >> readelf -l /tools/bin/expect | grep terpr >> results in readelf: Error: Cannot stat input file /tools/bin/expect. >> echoing the $PATH shows >> /bin:/usr/bin:/sbin:/usr/sbin:/tools/bin >> >> >> I tried to reinstall expect from here (probably not all that smart) >> but ran the following command from the book: >> ./configure --prefix=/tools --with-tcl=/tools/lib --with-x=no >> >> amidst all the other stuff I get the message >> >> checking for Tcl private headers... checking for tclInt.h... no >> configure: error: Can't find Tcl private headers >> >> >> How far back do I have to go? All the way? Can I continue to work >> from within the Chroot and backup only a bit, or do I start over again? >> > You didn't leave the TCL source directory in place like you were told to > at the end of that package. You'll need to drop back that far, > reinstall TCL, and MAKE SURE you do not delete that one after it's > done. Wait till after expect to do that. > > -J- > argggh! I really dislike missing something so blatantly obvious. I reinstalled TCL and expect. the test worked fine and I'm moving forward. Now, I guess in addition to trying to learn Linux, I'm trying to learn to *follow directions* 8-) -- Thomas Black Total Linux Newbie (But trying to cure it) http://wr189.wireless111.com


text:
Bank Stocks End Mixed as Investors Look Ahead to Capital Plan Announcements
NEW YORK (TheStreet) -- Morgan Stanley (MS - Get Report) was the loser among major U.S. banks on Tuesday, with shares sliding 2.6% to close at $31.59.
The broad indices all ended with gains, as several economic releases indicated the U.S. housing market recovery was continuing, although the improvements were coming at a slower pace.
The Census Bureau on Tuesday said sales of new single-family homes in the United States declined 3.3% from January to a seasonally adjusted annual pace of 440,000 in February. Economists polled by Thomson Reuters on average had estimated the February sales pace would be 446,000 units. The pace of sales in February was down 1.1% from a year earlier.
The Case-Shiller 20-city home price index for January showed a very slight decline from January but was up 12.2% from a year earlier, following a year-over-year rise of 13.4% in December.
The Federal Housing Finance Agency -- the regulator of government sponsored mortgage entities Fannie Mae and Freddie Mac -- said its House Price Index rose 0.5% in January on a seasonally adjusted basis, and that the index had risen during 23 of the last 24 months. The only month for which the index declined over that period was November 2013. Also on Tuesday, the Conference Board said its Consumer Confidence Index rose to 82.3 in March from 78.3 in February The March reading was the highest for the index since January 2008. In his firm's economic notes on Tuesday, Deutsche Bank chief U.S. economist Joseph LaVorgna wrote that rising equity values had contributed to a significant strengthening of household finances in the U.S., with "only a small increase in household indebtedness." The KBW Bank Index (I:BKX) was up slightly to 72.66, with winners and losers roughly split. The winner among large-cap U.S. banks on Tuesday was BB&T (BBT) of Winston-Salem N.C., with shares rising 1.5% to close at $40.77. BB&T was the only bank subject to Comprehensive Capital Analysis and Review, or CCAR, to have its initial capital plan rejected last year, which the Federal Reserve said was based on "qualitative" factors. The bank's revised 2013 plan was approved by the regulator in August, but included no dividend increase of share buybacks. Looking to Wednesday for Capital PlansThe Federal Reserve completed the first part of its two-part annual stress-test process for the nation's largest banks last Thursday when it announced that 29 out of 30 tested banks "passed" the Dodd-Frank Act Stress Tests (DFAST) by showing they could remain well capitalized with minimum Tier 1 common equity ratios of at least 5% through a "severely adverse" economic scenario. But investors are much more interested in the second part of the stress tests, the CCAR, which incorporates banks plans to deploy excess capital through dividend increases, share buybacks and/or acquisitions into the same severely adverse scenario. The Fed will announce the results of CCAR Wednesday at 4 p.m. ET. Bank-stock investors will have a busy time following the Fed's announcement Wednesday, when most of the banks going through CCAR will be expected to announce their plans to return capital through the first quarter of 2015. The only bank subject to CCAR that "jumped the gun" by already announcing its capital return plans is Discover Financial Services (DFS - Get Report), which said last Thursday it had sought Federal Reserve approval to raise its quarterly dividend to 24 cents a share from 20 cents and to buy back up to $1.6 billion in common shares from the second quarter of 2014 through the first quarter of 2015. Discover passed the first round of stress tests with a very strong minimum Tier 1 common equity ratio of 13.2% and seems very likely to have its capital plan approved by the Fed. Discover is one of only two banks subject to CCAR to lower its share count by over 5% through net share buybacks in 2012 and in 2013. The other is State Street (STT) of Boston. Discover's shares were down 0.7% to $57.43, while State Street's shares were down a nickel to close at $70.16. Morgan Stanley came through the first round of stress tests with a minimum Tier 1 common equity ratio of 6.1%, which was the third lowest among the 30 banks tested. Zions Bancorporation (ZION) failed the first round of tests, with a minimum Tier 1 common equity ratio of just 3.6%. Bank of America had the lowest minimum Tier 1 common equity ratio of any bank that passed the first stress tests, at 5.9%. KBW analyst Brian Kleinhanzl estimates Morgan Stanley will be approved for up to $3.772 billion in common-share buybacks from the second quarter of 2014 through the first quarter of 2015, with net repurchases for that period coming to $2.508 billion, after factoring in stock issuance for employee awards. Kleinhanzl also estimates Morgan Stanley will raise its quarterly dividend to 7 cents a share from 5 cents.
Discover Looks Even Better Following Stress Test
Citi Sticks with Bank of America Despite Bad News
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- Updates with exact steps to take - BUY, HOLD, SELL
Trifecta Stocks
Every recommendation goes through 3 layers of intense scrutinyquantitative, fundamental and technical analysisto maximize profit potential and minimize risk.
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FREE Email Newsletter
Predictive/Preventive Maintenance Site
August 15, 2005 9:04 am | CommentsFluke, a leader in test and measurement products and services, has launched a website with tools and educational material on predictive and preventive maintenance in a wide range of environments. Information: www.fluke.com/pdm .
Connectivity of Wireless Devices and Network Infrastructures in Hospitals
August 15, 2005 8:52 am | CommentsThe Project: Replace the IEEE 802.11 frequency-hopping standard used for wireless connectivity of medical devices.
Data Matrix Decoder
August 15, 2005 8:36 am | The Value Engineering Alliance | CommentsThe PIATI_STI was developed specifically to read ECC200 Data Matrix codes lasermarked on medical/dental tools and instruments in accordance with HIBCC specifications.
Hybrid Bearings
August 15, 2005 8:36 am | CommentsHybrid ceramic ball bearings serve in large variable-speed electric motor applications and offer key performance benefits over standard steel ball bearings.
Custom Power Supplies
August 15, 2005 8:36 am | CommentsThe Xgen Series "powerKit" offers convenience, allowing system designers immediate development of custom AC/DC power supply solutions.
Medical Equipment Design and the Critical Nature of Interconnection
August 15, 2005 7:59 am | Smiths Connectors | Hypertac | CommentsMedical equipment such as patient monitors, scanners, electronic catheters, and therapeutic devices require dependable connectivity and accurate signal transmission.
Rapid Injection Molding Reduces Prototype Process Risks for Oximeter
August 12, 2005 12:47 pm | Proto Labs, Inc. | CommentsThe Project: Quickly manufacture prototypes for the outside bumpers of a new pulse oximeter. The Solution: Use rapid injection molding to evaluate three part batches for $3,000 per batch in 10 days per order.
Light Curing Silicone
August 11, 2005 10:41 am | CommentsSilicone technology cures tack free in seconds to a depth of two inches upon exposure to UV or high-power visible light. These one-part Loctite Nuva-Sil silicones are ideal for deep potting, encapsulation, environmental protection, and sealing.
Polymerized Thin Film Coatings
August 11, 2005 10:41 am | CommentsContract processing services for thin film coatings and gas plasma surface treatment offer a variety of beneficial features.
Pressure-Sensitive Adhesives
August 11, 2005 10:41 am | CommentsFrom single- and double-coated foams to films and non-wovens, pressure-sensitive adhesive tapes
Antimicrobial Hydrogels
August 11, 2005 10:41 am | CommentsFirst-aid dressings primarily protect a wound from external contamination and additionally absorb blood and wound fluids. These systems are specially designed to ensure any bacteria coming into contact with the gel or contained with the exudate are absorbed, contained, and killed.
Adhesive Film
August 11, 2005 10:41 am | CommentsARcare 90106 is a clear, double-faced film coated on both sides with a high coatweight, hybrid pressure-sensitive adhesive available in roll stock form. It is used in medical applications such as bonding in microfluidic devices or other disposable test formats.
Achieving Cost-Effective Compliance With Electronic Device History Records
August 11, 2005 10:07 am | CommentsDespite heavy investment in quality systems and personnel, the medical device industry is plagued with manufacturing waste, product recalls, and FDA violations.
August 11, 2005 8:20 am | Qosina | CommentsThe blue polyether foam head of these sponges is approximately 1-1/2 x 1-1/2 x 7/8 in. The ribbed polypropylene handle allows for a sure grip while the foam head, attached by adhesive, provides superior strength and durability. The overall length of this sponge on a stick is 6 in.
LCD Monitor
August 11, 2005 8:20 am | CommentsBuilt with the latest LCD technology, this 640 x 480 resolution amorphous silicon TFT active matrix monitor combines with a 1/2 in. high-intensity camera to provide high resolution and wider fields of view.


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DISCOGRAPHY> Live At The Ryman
Eddie Stubbs Intro
Orange Blossom Special
No Hard Times Blues
Shuckin' The Corn
The Whiskey Ain't Workin' Anymore
Mr. John Henry Intro
Mr. John Henry, The Steel Drivin' Man
Uncle John's Intro
Train 45
Josh's Joke
The Great Speckled Bird
Sure Wanna Keep My Wine
Walk Like That
Hillbilly Rock
Recorded at the historic home of country music, this vibrant, upbeat set features the veteran country performer Marty Stuart and his crack bluegrass band playing a varied set of traditional favorites such as "The Great Speckled Bird," blistering instrumentals such as "Train 45" and "Shuckin' the Corn," as well as one of Stuart's biggest hits, "The Whiskey Ain't Workin' Anymore," to an appreciative audience. Stuart is in fine voice throughout, and the high-quality performances and the warm rapport between musicians and crowd makes this Grammy-nominated album a worthy addition to the Stuart canon.
Marty Stuart: Marty Stuart (vocals, mandolin); Kenny Vaughan (guitar); Josh Graves (dobro); Charlie Cushman (banjo); Stuart Duncan (fiddle); Brian Glenn (upright bass); Harry Stinson (drums).


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» Review
Caillou Preschool
(October 2006)
Play more than 60 activities that will help get your
child ready for preschool - in English, Spanish, or French! Alphabet:
Caillou visits the park as he leads players through 26 activities that teach
letter recognition and identification. Colors and Shapes: Players spend the
day with Caillou and his artistic Grandma who leads them in activities about
shape and color recognition and association. Coloring and Creativity: Have
fun coloring pictures of Caillou and his friends. Also featuring printable
arts and crafts projects for the family.
--Play in English, Spanish, or French!
--Enhance your Alphabet skills!
--Learn your colors and shapes!
Minimum System Requirements :
Windows 95/98/2000/XP
Processor: PII 266 MHz
Free hard drive space: 50 MB
SVGA Video Card
16-bits Sound Card
Free Trial Version, 30 minutes gameplay, it's the full game, Convert to full version with no additional downloads
size: 84MB |
Action / Adventure Arcade Classic Driving Kids Puzzles / Cards & Boards Simulation Sport Strategy Web Game New Games
Security Solutions Antivirus Anti Spyware Firewall System cleaner Encryption
Audio and Video CD-DVD tools Media Converter Multimedia Media Players Music management Utilities and Plug ins
Graphics and Design Web Design Image tools Design tools Templates Screen Savers
Learn Articles E Books Business
Internet and Network tools PDF Tools Download Manager Browsers Webmaster Tools Hosting FTP Internet Network
Utilities and Tools Desktop Registry tools Recovery Editor Backup Utility
Phone Tools Free Tools


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Moelis IPO Prices Below Range
NEW YORK (TheStreet) -- Moelis & Co., the newest investment bank to hit public stock markets, priced its initial public offering below an expected range, raising less money for the Kenneth Moelis-run M&A advisory firm.
Ken Moelis Wants Your Money, Not Your Input
Moelis said late on Tuesday the company priced its IPO at $25, a dollar below the low-point of a previously announced $26-to-$29 a share range, raising $163 million for the firm and its selling shareholders. That lower-than-expected IPO pricing may reflect a sagging of investor confidence in recent weeks, as stock markets have stumbled on investors' concerns over valuation.
Instead of selling 7.3 million shares, Moelis will sell 6.5 million Class A shares. The firm will trade on the New York Stock Exchange under ticker 'MC.'
The IPO will be the first major listing of a Wall Street investment bank since prior to the financial crisis. Moelis & Co. is a boutique investment bank founded by former UBS and Donaldson Lufkin & Jenrette executive Kenneth Moelis. The firm's organizational structure will guarantee Mr. Moelis retains control of the company, given his majority holding of class B-shares that carry ten votes per Class A share. According to filings, Moelis will own around 97% control of the company's voting power, allowing him autonomy to decide upon board directors, dividends and strategy. Currently, publicly traded competitor investment banking advisory firms Evercore Partners (EVR), Lazard (LAZ) and Greehill (GHL) aren't controlled by founders or top executives. However, founders of publicly-traded private equity firms Apollo Global Management (APO), Blackstone Group (BX - Get Report), Carlyle Group (CG), and KKR & Co. (KKR) do control general partner interests in their respective firms, allowing them to decide upon most operational issues. Moelis & Co.'s IPO is a major story about how the financial sector has evolved in the years after the financial crisis. $1 Trillion In Deals As UBS and other major banks saw giant losses in 2007 and 2008, some top bankers fled Wall Street conglomerates and struck out on their own. Moelis & Co. was one of the most audacious examples. So far, the firm has been a story of disruption on Wall Street. Moelis & Co. advised over $1 trillion worth of transactions in 2013, according to its S-1 filing with the SEC, after a steady climb up Wall Street's so-called league tables. Revenue at the company has grown at a compound annual growth rate of 45% since 2007. In 2013, the company booked $411 million in revenue and net income of $70 million. The firm has over 300 bankers, including 88 managing directors, in 14 offices globally. Compensation at the firm was $265 million in 2013, a drop from the previous year that helped boost overall profitability. -- Written by Antoine Gara in New York Follow @AntoineGaraCheck Out Our Best Services for Investors
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Options Profits
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Latest news
Special about our Course
We Have Formula Based Techniques And Business Encouragement For Women.
Topics Covered As per Course Selection
Clay texture, Selection of clay, procedure for jewellery clay, baking
1. Fashion Jewellery Making.
2. Paper Jewellery Making.
3. Clay Jewellery Making.
4. Polymer clay Jewellery Making
5. Bangle Making
6. Varieties of earring making
7. Anklet making
8. Varieties of bracelet making etc…
Who should attend.
All Age Group ladies, College Girls, Kids to encourage hobbies,Diversion from daily routine And Software Professionals Etc.
Basic Interest patience and little creativity and innovative mind
What you need to bring
Materials Will Be Provided By Us.
Key Takeaways
Catalogues, Unique Picture CDs, instructions, Prepared Jewellery and Course completed Certificate.
We hold certificate from Govt of India. We do conduct workshop for kids.
Clay is a general term used to refer the materials which have traces of metal oxides and organic matter.
Terracotta is a fired clay and it's an Italian Term "baked earth". Typically unglazed and in red-brown color after kiln firing to low temperatures.
Different Type of clay
1) Natural Clay
Clay may be made up of natural materials such as minerals
2) synthetic Clay
synthetic materials such as polymer. Earthenware, stoneware and kaolin are the most frequently used types of organic clay.
Polymer clay is ideal for projects for children and beginners.
In this two-day workshop Ani will guide you through the creation of large pots. Ani will demonstrate different finishes using raw clay with different materials, she tried wide scale of researches with clay to create different methods & models to design.
Ani also share her experience and lecture about her research about pots and how it's used around the world. She also share how clay became her inspiration, both formally and conceptually.
Participants will complete a large pot of their own, Also gain the skills to create big scale.
To know more about the course ReachUs
1. Clay (Terracotta)
2. News Paper to Dry Clay
3. paper to design
4. Pencil to design before starting with clay.
5. Cutter
6. Needle
7. Thread for creating Design and to use connect Beads
8. Golden,Silver,Stones, Crystal & Clay beads
9. Earring nail & Hook
10. Hooks
11. Bangle base
12. For necklace set with jimikis if Required
13. Running chain
If you need any of the product please give a call.
Terracotta is fined red clay used in sculpture,jewellery and pottery.Terra means earth in contrast with terracotta .Terracruda is unfired clay terracruda but not terracotta can be mixed with water to make mud.
Terracotta can be quickly identified by its brownish red hue porous exterior and earthy feel.The clay thet is used to make terracotta is formed ,cast or molded into different shapes and dried,usually in a kiln to
obtain a hard surface.
you will find terra cotta is the form of roofing,sculputures,jewellery and dishes.As with any manufactures product,there are some important environment concerns to be considered.
Terracotta made from a clay found in the earth. The material used to make terracotta products is classified as an inert product. This means that the terracotta material doesn't undergo major physical, chemical or biological modification. The material itself is harmless.
The process of drying and manufacturing terracotta products can have some environmental effects, depending on which method is used. For example, often kilns are used to manufacture terracotta products. Kilns can emit smoke and gas, which will have a negative environmental impact. Natural gas can be used in the factories with lower emissions ratings than other processing methods. The use of renewable resources, such as windmills, photovoltaic means and water-powered devices to dry terracotta clay are increasing, which reduces the carbon footprint of terracotta manufacturing


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5 Things Bucks Must Improve Post All-Star Break
If the Milwaukee Bucks want to be a top-tier team in the playoffs, they must improve on these five things in the weeks after the All-Star break. Read More
5 Antetokounmpo Dunks You've Gotta See
Giannis Antetokounmpo's athleticism makes him one of the most must-see participants in the 2015 Slam Dunk Contest. But before he takes part in the event, check out some of his most impressive dunks. Read More
Midseason Grades & Analysis For Milwaukee Bucks
An improved roster and coaching staff has the Milwaukee Bucks destined for the playoffs. Here is a midseason grade for one of the most underrated teams in basketball. Read More
Pistons vs. Bucks: Game Preview, Prediction
The Detroit Pistons look to continue their winning ways as they face the Milwaukee Bucks. Read More
Larry Sanders' Career Keeps Heading South
The Milwaukee Bucks' Larry Sanders proved to be a promising young player a few seasons back, however, it has been a downward spiral ever since. Read More
Larry Sanders Suspension Won't Slow Down Bucks
The NBA announced early Friday afternoon that Milwaukee Bucks center Larry Sanders has been suspended a minimum of 10 games for violating the NBA's drug policy. Read More
Knicks vs. Bucks: Game Preview, Prediction
Previewing and predicting tomorrow afternoon's game between the New York Knicks and Milwaukee Bucks. Read More
Players Bucks Should Target Before Trade Deadline
With the NBA trade deadline looming, here are five players the Milwaukee Bucks should target. Read More
Bucks Right To Take Chance On Kenyon Martin
The Milwaukee Bucks have taken a chance on Kenyon Martin by signing the veteran to a 10-day contract. Read More
Loss vs. Suns Won't Help Bucks' Sanders
People shouldn't jump to conclusions about the absence of Milwaukee Bucks' Larry Sanders, but Monday's loss won't help matters. Read More
Making Brandon Knight's Case as an NBA All-Star
The Milwaukee Bucks may some time to rebuild, but Brandon Knight is speeding up the process. Here is why the Bucks' guard deserves an All-Star bid for all that he has done for the team this season. Read More
Bucks vs. Cavaliers: Game Preview, Prediction
Previewing and predicting Wednesday night's game between the Milwaukee Bucks and Cleveland Cavaliers. Read More


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lvgaldieri commented on the diary post Who's Afraid of 953(b)? by lvgaldieri.
I read that tale of woe (the link you cite, DWBartoo), and thanks for posting it. Those poor souls. How did things get so distorted? How did we get to this point? The usual explanation starts in the 80s, with the Reagan era. I wonder if it would be instructive to go beyond this standard [...]
lvgaldieri wrote a new diary post: Who's Afraid of 953(b)?
Insanity! That's how Thomas Sternberg, co-founder of Staples, describes Section 953(b) of the Dodd-Frank Act. "Incredibly wasteful," adds John A. Allison IV , a director of BB&T Corp., the ninth-largest U.S. bank. For the past year or so, CEOs and business lobbying groups like the Business Roundtable and the National Investor Relations Institute have been fighting "tooth and nail" [...]
lvgaldieri wrote a new diary post: Can CEOs Ever Get the Political Fix They Need?
There have recently been plenty of shareholder proposals asking companies to disclose political spending. In fact (as noted in an earlier post ), the share of proposals to the Fortune 100 focusing on political spending increased 84 percent in 2011 from the three previous years. Last week, to mark the second anniversary of the Citizens United decision (on January [...]
lvgaldieri wrote a new diary post: Same song, different verse – Bill Moyers on Woody Guthrie, Right Now
Cross-posted from my blog over at 1913massacre.com: In the most recent essay for his new "On Democracy" series, Bill Moyers picks up on the news that the George Kaiser Family Foundation has acquired the Woody Guthrie Archives for 3 million dollars. Plans to open a new center in Tulsa are already underway. Woody's papers, drawings and things will be [...]
lvgaldieri wrote a new diary post: To Prosper We Need More Than Jobs
I'm always thrown by attempts to measure prosperity purely in terms of economic growth or high employment figures. Those measures are too restrictive, and they are also disorienting. Politicians who offer jobs leave me cold, and do us all a disservice. As I've written several times, the country is, or ought to be, more than [...]
lvgaldieri commented on the diary post Why Don't These Rich Liberals Act Like the Self-Serving Bastards They Are? by lvgaldieri.
Yeah I'm glad he became a millionaire too. I wish we could all be millionaires. But I think you're deliberately misreading my post. It's his turn to prove his authenticity (which many in the media have questioned), or disprove his duplicity (of which he has been accused by the media). It was Al Gore's turn [...]
lvgaldieri commented on the diary post Why Don't These Rich Liberals Act Like the Self-Serving Bastards They Are? by lvgaldieri.
I'm "targeting" Michael Moore? That's a very strange reading of my post. No, he's not perfect. Nor do I expect him to be. As I say, it's ridiculous to demand ideological and moral purity.
lvgaldieri wrote a new diary post: Why Don't These Rich Liberals Act Like the Self-Serving Bastards They Are?
In 1998, Howie Klein was the president of Reprise Records, and had the privilege of attending a dinner Bill Clinton threw to honor Vaclav Havel. The entertainment that evening was Lou Reed. (Havel is a big fan.) Klein was seated at a table with Senator Dick Lugar, the Indiana Republican, and he remembers Lugar's reaction to Reed's [...]
lvgaldieri wrote a new diary post: Rick Santorum, Etymologist
Words are not Rick Santorum's friends. The Republican presidential candidate has the distinction of having had his own name turned against him. He pleaded — to no avail – with Google to cleanse the Internet of the "filth" associated with santorum. Now Mr. Santorum has turned to etymology. In the most recent Republican debate, he argued that [...]
lvgaldieri wrote a new diary post: Is Occupy Wall Street the Real Values Voter Summit?
If it accomplishes nothing else, Occupy Wall Street creates an extraordinary opportunity for a conversation about American values. This became clear to me yesterday morning as I was reading about the Values Voter Summit and tweeted:
#OWS 99% are value voters, too. #vvs
My thoughts had drifted from Values Voters to voters' values, from the "Premier Conservative Event [...]
lvgaldieri wrote a new diary post: What's Wrong With Howard Schultz's Proposal To Save America From Itself?
A letter from Starbucks CEO Howard Schultz has been making the rounds , asking other CEOs to join with him and "forgo all political contributions until Congress and the President return to Washington and deliver a fiscally-disciplined, long-term debt and deficit plan to the American people." The idea has gained plenty of admirers: "thousands of Americans – [...]
lvgaldieri wrote a new diary post: Machines and Monsters or Thriving Markets?
If you haven't yet read it – and I admit I am late on this, as I am on nearly everything else – have a look at John Cassidy's profile of Bridgewater hedge fund manager Ray Dalio in the July 25th issue of The New Yorker . Cassidy exerts most of his energy trying to figure out whether [...]
lvgaldieri commented on the diary post Can the UN Make Business Respect Human Rights? by lvgaldieri.
ondelette: thanks for the thoughtful comment. I'm very interested in the Anvil case, and will be following it if or as it advances. Unfortunately charters no longer have the power or traction they once had; the courts saw to this in the late 19th century, and nowadays corporations can just pick up and move if [...]
lvgaldieri wrote a new diary post: Can the UN Make Business Respect Human Rights?
Last Wednesday, the UN Human Rights Council announced its endorsement of the Guiding Principles on Business and Human Rights, developed by John Ruggie. The UN press release called it "an unprecedented step," the establishment of "the authoritative global reference point" in questions of business and human rights. Unprecedented? Only if you ignore history. In fact, the [...]
lvgaldieri wrote a new diary post: On the Heroics at Home Depot
A video making the rounds on YouTube and on progressive blogs features the American Family Association's Buddy Smith telling the story of his run-in with Home Depot Chairman and CEO Fred Blake at the annual shareholders meeting on June 2nd. Smith, whose organization also runs a site called BoycottTheHomeDepot.com , came to the shareholders meeting to present a [...]
lvgaldieri wrote a new diary post: God and Mr. Dimon
While protestors at the JP Morgan Chase annual shareholders meeting in Columbus, Ohio braved the rain and faced off with police, inside the McCoy Center there was a remarkable exchange .
"As a person of faith, my God believes you shouldn't take advantage of people when they are down," said Dawn Dannenbring, of the community group Illinois [...]
lvgaldieri wrote a new diary post: From Zero to 32.73 at Bank of America
First, a correction. In my last post about the 2011 proxy season, I wrote that shareholder resolutions requiring disclosure of grassroots political spending brought by AFSCME to Prudential and Bank of America had met with zero support. That is incorrect. ProxyMonitor reported the zero vote tally because the votes had not yet been cast. The two AFSCME [...]
lvgaldieri commented on the diary post 2011 Proxy Season: Social Investment at the Threshold by lvgaldieri.
mfar: You can get a good sense of how this all works, or is supposed to work, from a site like http://www.socialinvest.org or http://www.asyousow.org. This page is a good place to start: http://www.asyousow.org/csr/understandingvote.shtml The literature put out by social investment funds like Trillium Asset Management or Domini Social Investments would also be helpful. Shareholder resolutions [...]
lvgaldieri wrote a new diary post: 2011 Proxy Season: Social Investment at the Threshold
Ernst & Young estimates in a new publication that half of all shareholder proposals in 2011 will deal with environmental and social issues, and support for these proposals is growing. In fact, "83 percent of investors now believe environmental and social factors can have a significant impact on shareholder value over the long term." Last year, [...]
lvgaldieri wrote a new diary post: Ding Dong the Witch is Dead
The trouble is, we're not in Kansas anymore, and Kansas is no longer the place it used to be. The pursuit of Bin Laden has exhausted our treasure and killed thousands. It has transformed the state in countless ways and extended the reach of the state into our lives. So this brief note, just to [...]
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Advances in Applied Science Research
Publisher: Pelagia Research Library
Advances in Applied Science Research publishes research and review articles, rapid and short communication in entire aspects of the Applied Sciences with strong emphasis on originality and scientific quality.
Content in English.
Executive Editor:
Prof. Mohamad Ali Hassouba
Physics Department, Faculty of Science,
Benha University, Benha,
Email: firstname.lastname@example.com
Advances in Applied Science Research is available free of charge as an Open Access journal on the Internet.
Abstracts available online. Articles available in PDF format.
Current Issue: Volume 1 Issue 2 2010
Date: 17 December 2010


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Community Supports FFA Program
Hundreds turned out at Granbury High School on October 13, 2011, for the annual Granbury FFA barbecue dinner and auction. The organization raised almost $9,000 to support program activities.
A smoker and 5x10 trailer were the two grand door prizes, with numerous other auction items and prizes available. James Lewis was the lucky winner of the smoker, while Carol Howard took home the trailer. In addition, Rebecca Barnes won a fire pit.
FFA is a dynamic student-led leadership development organization for students of agricultural education. The FFA changes lives and prepares students for premier leadership, personal growth and career success. For more information about the Granbury chapter, go to www.granburyisd.org/ffa.
Pictured above are a few members of the FFA officer team at the dinner: (left to right) Nicholas Shellenberger, Ty Robertson, president Courtney Overstreet, and Ashlee Myers.
Jeff Meador, Public Information Officer
817.408.4006 Office
817.894.6741 Cell


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18 June 2010
The food security and vulnerability study for urban Ethiopia has largerly been necessiated by the new increased food insecurity stemming largely from the global economic downturn and high food prices, which has been translated to the country partly through high inflation rates. The impact of inflation has been one key element that has resulted in increased food insecurity in urban areas.
The study was conducted in 18 selected urban centres spread across the country, covering eight regions including: Addis Ababa and Dire Dawa cities; Harar townl and selected towns in Tigray, Amhara, Oromiya, Somali and Afar regions.
31 December 2009
This report reviews the Cereal prices in the country, import parity prices, the progression of inflation, market perfomance and terms of trade.
31 December 2008
This report, based on detailed literature review and discussions with selected key informants, presents a summary of current evidence and understanding of the impact of HFP (High Food Prices) in the Southern Africa region.
9 October 2008
This assessment provides information on price changes for the most commonly consumed staples and their potential
impacts on the cost of the basic food basket.
21 July 2008
This WFP Market report was conducted in Ethiopia in July 2008. The report proposes an assessment on the country' level general price index and an analysis of the price rise, particularly for food items.
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Posted: October 10, 2013
U.S. oil prices: Let the good times roll
The value of the dollar is key
Jim HardenA funny thing happened on the way to the euro. When first introduced to the global financial markets in 1999, it began to appreciate in value compared with the U.S. dollar (USD). Around this time, West Texas Intermediate crude oil was trading below $20 a barrel. As the dollar lost value, oil began to rise. Is this a coincidence?
The dollar began to devalue against the euro and other major global currencies in 2003, primarily as a result of the Iraq War costs. By year-end 2002, the dollar had weakened by nearly 20 percent and the price of crude had jumped more than 30 percent. Things got no better for the beleaguered dollar from then on.
By December 2004, it was trading at $1.35 to the euro and crude oil had risen to over $43 per barrel. This depreciation continued through the mid-2000's and as it did, our account balance widened and oil prices climbed with the euro. With the subprime mortgage crises of 2007 and 2008 as a backdrop, the malaise continued, culminating in early July of 2008 when crude reached its historic apogee of more than $146 per barrel. In that same fateful week, the euro hit its apogee of $1.604.
As further proof, the correlation coefficient (which measures the strength of the linear relationship between two variables) between the West Texas Intermediate crude price and the value of the U.S. dollar to the euro, was greater than 0.87 between October 2001 and July 2008, and even higher than 0.90 in several periods before and after the collapse of July 2008.
Drivers of Oil Price
The basic laws of supply and demand are simply stated as:
- If demand increases and supply remains unchanged, a shortage occurs, leading to a higher equilibrium price.
- If demand decreases and supply remains unchanged, a surplus occurs, leading to a lower equilibrium price.
- If demand remains unchanged and supply increases, a surplus occurs, leading to a lower equilibrium price.
- If demand remains unchanged and supply decreases, a shortage occurs, leading to a higher equilibrium price.
The major factors that drive oil prices are (1) the global economy, primarily the U.S., the European Union and China; (2) energy scarcity, including reserve accretion and depletion; and (3) purchasing power, expressed in the respective currencies of those countries, with the heaviest influence from the U.S. dollar.
Because a large majority of global oil is traded in U.S. dollars, the volatility of that currency has tremendous influence on the real price of oil. Any weakness in the value of the USD against other currencies increases the purchasing power of countries that are not USD denominated.
For example, if the value of the dollar is even with the euro, then, all things being equal (crude qualities, transportation, and supply/demand), the cost of a barrel of crude oil would be the same for parties transacting in dollars or euros. However, if the dollar strengthened, then it would require more euros to purchase a barrel of oil. The reverse situation is not only true, but has been exhibited for the past several years; whereby countries denominated in the euro pay less for a barrel of oil in dollars.
So a weakened USD is a key driver of higher oil prices. It doesn't diminish the role of supply and demand, but it is of equal importance. The question then becomes what is the dollar's outlook and what corresponding effect would it have on oil prices, and therefore revenue and profit for oil companies? Let's look at two scenarios.
Low Price Cases
In June 2013, the World Bank said that "… over the longer term, oil prices are projected to fall." Your case for lower prices would argue that the EU economy is worse than thought and that the U.S. economy strengthens more than forecasted. Also in June 2013, the European Central Bank had a dour assessment, once more revising downward their GDP outlook. According to The Economist, "The protracted weakness especially in southern Europe is inflicting social misery." [They] went so far as to proclaim that "… the most corrosive of all is loss of hope as the lost decade continues".
Jim Harden is a partner/principal and the valuation services leader at Hein & Associates, a full-service accounting and advisory firm with offices in Denver, Houston, Dallas and Orange County. With more than thirty years of experience in the energy industry, including as an independent oil and gas operator and petroleum geologist, he provides valuation, economic consulting and expert witness services to energy companies, private equity and law firms. He is a Senior Member (ASA) of the American Society of Appraisers, certified in oil and gas valuation. Jim can be reached at 713-600-7423 or at firstname.lastname@example.com.


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Creative Visualization: Use the Power of your Imagination to Create What you Wan
Creative Visualization: Use the Power of your Imagination to Create What you Want in your life
PDF | 2.3 Mb | 192 pages | New World Library, Nataraj; 25th Anniversary Edition edition (September 19, 2002) | English | ISBN: 1577312295
When it comes to creating the life you want, Shakti Gawain literally wrote the book. Now considered a classic, Creative Visualization teaches readers how to use their imaginations to manifest their deepest desires. In a straight-talking narrative, Gawain uses the first part to cover the basics, with chapters such as "How to Visualize," "Affirmations," and "Creative Visualization Only Works for the Good." Once she shows readers how visualization actually works, Gawain moves on to loftier discussions, such as "Contacting Your Higher Self," "Meeting Your Guide," "Setting Goals," and "Treasure Maps."
Fear not; this isn't a spiritual-lightweight book for people with a severe case of the "gimmes." Gawain has her priorities in the right place, and she cautions readers that creative visualization will not serve greed or shallow-minded thinking. For example, she discourages the cycle of trying to have more money, so you can do what you want in life, so you will be happier. "The way it actually works is the reverse," she explains. "You must first be who you really are, then do what you need to do, in order to have what you want." Yet she also writes an excellent chapter on letting go of the misguided guilt that inhibits readers from becoming truly prosperous. --Gail Hudson --This text refers to an out of print or unavailable edition of this title.
Gawain's self-help title has sold more than three million copies in English and another three million in the more than 30 languages into which it has been translated. According to the publisher, this revised anniversary edition contains additional "meditations, exercises, and techniques that can become part of your everyday routine." The author asserts that people can achieve an ideal existence simply through mental visualization.
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Set your phone to see if this item is compatible.
Use the Nokia phone selector.
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by: Liverpool FC
Sports - 1.13 MB
Liverpool FC 's official app is the best way to follow the world's most famous club on your Nokia smartphone. Download now for live text commentary, live score updates, club news, fixture lists, player profiles and much more.
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This weekend brought the end of the road for struggling Chelsea coach Andre Villas-Boas who was fired by Russian owner Roman Abramovich, marking the end of the eighth coach in nine years for The Blues. Villas-Boas was acquired by Chelsea for a three-year contract in June, after winning four trophies with Porto last season. His team's streak of late was enough to can him before the season's end, with only three wins in the last 12 total matches.
After incredible success with his native Porto, AVB was cast as a mini Jose Mourinho: a coach that could come in, restore a dynasty, and nab championships at will. AVB actually was as a scout for Mourinho between 2004-2007, who won five major trophies during that time.
But like Mourinho and the coaches that succeeded him, AVB came up short particularly in the Champions League, what seems to be of significant importance to Abramovich. The loss to Napoli in the first leg might have been the straw to break the camel's back. The 3-0 victory against Bolton last weekend was little to stall fate he would face after losing to West Brom on Saturday.
Manchester United coach Sir Alex Ferguson expressed his sympathy for the young Villas-Boas, noting that his experience at Porto should not be forgotten. Fergie also pointed out the tremendous pressure on young coaches to perform in a short time frame. While it might take several seasons for AVB to reach his potential, he unfortunately isn't given that time.
The larger issue at hand is probably not AVB, who will likely return to soccer in the near future given his youth in the coaching arena, but instead the dynamic of Blues owner Abramovich and the fate of all coaches to be persuaded to Stamford Bridge. With an unsteady record from season to season, Chelsea can't seem to secure the consistency to please an insatiable Abramovich.


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The Dover, Georgetown, Stanton and Wilmington campus locations will be closed on Friday, March 6 due to weather conditions. All classes and activities are canceled. The Georgetown Open House has been rescheduled.
News & Events
General & Georgetown News
December 12, 2014
Georgetown – Commercial Transportation Department Chairperson Chris Antonik and students Brandon Thompson of Delmar, and Joann Abraham of Milford, hit the road bright and early Dec. 10 as part of Wreaths Across America. They will be delivering wreaths to seven cemeteries throughout New Jersey, Pennsylvania, and Delaware. Full Story
October 21, 2014
WILMINGTON, DELAWARE – On Monday, October 20, 2014, Delaware Technical Community College celebrated its recent designation as a 2015 Military Friendly® School. The Military Friendly® School designation was awarded by Victory Media to the top 15 percent of colleges, universities and trade schools in the country that embrace military students and commit to their success. Full Story
October 8, 2014
GEORGETOWN - The annual Delaware Tech Fashion Show has always been the destination of choice for stylish local fashion, and this year it will become even more elegant with the addition of the Red Dress Collection from The Heart Truth. Full Story
September 29, 2014
GEORGETOWN– Community leaders, educators, businesspeople and elected officials will join together to raise public awareness regarding current economic issues at the 21st Annual Sussex County Today & Tomorrow Conference. The event will be hosted on Wednesday, Oct. 29, from 7:15 a.m. to 1 p.m. in the Carter Partnership Center at Delaware Technical Community College in Georgetown. Full Story
May 29, 2014
GEORGETOWN - Ralph "Butch" Lee, former custodian and bookstore clerk for Delaware Technical Community College, was inducted in the Owens Campus Hall of Fame on Friday, April 4, 2014. Full Story
Stay Connected
Cleared for takeoff!
"Delaware Tech's Freeman power plant building set to take flight" - By Glenn Rolfe - Sussex County Post. Learn more about Delaware Tech's expansion of the aviation maintenance program.


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NYC: 24 Hours, Six Ethnic Snacks
Everyone in NY knows Mamoun's. |
The Spotted Pig was too packed; we didn't get to try the gnudi. |
We were to meet our friend Albert there around 1 am. On the way, we passed a Mexican taco truck parked at Sixth Avenue and West 4th Street. I think the word "Tacos" was painted on the exterior, or else "Mexican Food" or something basic like that. The girl in the truck offered to put some cilantro mayo on the pork carnitas taco, and also some salsa and hot sauce. I said "yes yes yes." Fantastic, and gave us just the boost we needed to make it to Mamoun's.
On Saturday we had breakfast at Jacob's Pickles on the Upper West Side, drawn by the rustic brick-and-wood decor and old-timey sign on the window promising "Beer, Biscuits, & Pickles." That's a trio right up my alley, although being the morning we stuck to the biscuits -- as the bread for a sandwich with organic eggs from Alderfer's Poultry Farm, Niman Ranch bacon and aged Vermont cheddar ($11); and as the base for an eggs benedict with naturally cured ham ($14). Surprisingly, the biscuits were somewhat dry -- not even buttered! That said, there are homemade pickles, jerky, jams and some good-lookin' homestyle American comfort food. I'd give it another chance, but not for breakfast.
Next time you're in Chinatown, go to Grand Bo Ky. |
Dave H. |
Spicy ramen at Ippudo - yes! |
Then it was LaGuardia Airport and home.
Follow Short Order on Facebook and Twitter @Short_Order.
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This week on CounterSpin: Arizona's new immigration law has sparked national protests and a renewed political discussion about something usually called "comprehensive reform." What that means is unclear, but the discussion about immigration seems to have moved to the right in some fundamental ways. Gabriel Arana from the American Prospect will join us to talk about that shift, and also how media depictions of border crime and violence are related to this political shift.
Also on CounterSpin today, when Harvard African Studies professor Henry Louis Gates published a New York Times op-ed arguing against reparations for slavery, because some Africans were involved in the slave trade, many—including some right-wing radio talkshow hosts—stood up and applauded. But what do other African American scholars and activists have to say about Gates' column? We'll talk to Dr. Ron Daniels, president of the Institute of the Black World 21st Century, and founder of the Haiti Support Project, about the Times anti-reparations op-ed.
—"The Immigration Enforcement Trap," by Gabriel Aranas (American Prospect, 4/30/10)
—"Repudiating an Apologist," by Ron Daniels (NorthStarNews, 4/30/10)


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Latin Burger and taco truck is owned by Jim Heins who often cooks the food himself.
Food trucks like Latin Burger, Nacho Bizness, Rolling Stove, and Dim Ssam have been marking their territory all over South Florida. That's exactly why we wrote a feature about them. Check out these photos of four local food trucks, read our story about them, and then go out and eat, eat, eat! Click here to read more about Nacho Bizness, Latin Burger, Dim Ssam, and Rolling Stove.


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Coined by Baseball Forecaster creator Ron Shandler, LIMA stands for Low Investment Mound Aces, a strategy used to get high-quality pitchers later in a draft or for cheap dollar values. The theory behind the strategy is to look for pitchers with high K/BB and K/9, and low HR/9 ratios; these stats more accurately predict the next season's ERA than looking at the previous season's ERA. However, I will take into account a few more bits of information then the three aforementioned stats when dealing with these pitchers throughout the off-season. My nominee for the LIMA of 2007 is Dave Bush, America's third favorite Bush.
The shrubbery from Milwaukee had a mediocre 4.41 ERA last year (which in itself will likely drop him on a lot of people's draft lists) and added a good-but-not-inspiring 166 Ks. But Bush's Earned Runs Created, a sort of reverse RC/27, was 3.47 – a much more accurate indicator of his success. Not to mention his WHIP was 1.15, up with the elite of the NL. Furthermore, Bush is 27, one of the "magical ages" used to help predict breakout seasons.
Bush tied for first in the NL with a 4.31 K/BB ratio. The other names in the top ten in the NL? Oswalt. Carpenter. Smoltz. Webb. Peavy. Capuano. Harang. Maddux. He's in pretty good company. High K/BB ratio? Check.
Bush also was third in the NL last year for percent of pitches in the strike zone – his control is definitely there – and he again places third in the NL with an average of 3.49 pitches per batter, highlighting his ability to get hitters out without straining himself. But when you realize his K/9 is 7.11, he is hardly just a Maddux-esque control pitcher. High K/9? Check.
He allowed 26 HRs in 32 games last year – not spectacular, but enough to see he isn't offering them up on a silver platter.
He suffered at times from poor run support and poor defense behind him, but with emerging (and healthy) stars Rickie Weeks, Prince Fielder, and JJ Hardy, his run support should increase. Bringing in starter Jeff Suppan and coupling him with a hopefully healthy Ben Sheets (it's a stretch, I know) should result in more rest for one of MLB's worst bullpens. A full season of Francisco Cordero – who had a 1.89 ERA with the Brewers last year – and a decent bounce back from Derrick Turnbow should give the Brew Crew a pretty good eighth and ninth inning punch, holding onto a few more wins for Bush.
Fearless prediction: 3.65 ERA, 175 Ks, 1.15 WHIP, 14 Wins. Plus, you'll get him cheap!
As a hopeful MLB General Manger, Eddie is biding his time by getting an economics degree and playing fantasy baseball. You can find Eddie posting in the Cafe's forums under the name of suppasonic.
Questions or comments for Eddie? Post them in the Cafe Forums! Want to write for the Cafe? Check out the Cafe's Pencil & Paper section! |


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Bologna 'baby boom'. While Italy becomes, day by day, a 'Country for old people', paraphrasing the title of the famous movie by Coen brothers, 'No country for old men', dated 2007, Bologna increased her population thanks to new borns.
According to the Statistic Office of the municipality, in Bologna live 384.991 persons and in the first six months of 2013, under the Two Towers are born 1.477 children. So, Bologna confirms herselfa town for young people, where nobody gets scared by the future but they are looking for new perspectives. Just because it is a town that breaks with the tradition, the marriages are countertrend: during the first semester of 2013 it has been celebrated only 422 marriages, the 9,6% less than the same period, last year and seven couple on ten preferred the civil ceremony. At last, in Bologna there are less marriages but much more love. In fact, months ago, the town won a contest by a famous condom brand, as 'Loveville' of Italy. People have more confidence in the future and create new generations. It will be for this reason that a lot of people prefer to live under the Two Towers: 8.299 new residents. And the foreigner? More 1.977 than 2012: they are the 14,7% of the population of Bologna.


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Advice from CurlsNot sure how to care for your naturally curly hair? Need professional input on how to manage your bi-racial beauty's hair? Ask Curls! Use this form to subscribe to CURLS news as well. NOTE: "ASK CURLS" is for questions pertaining to caring for curly hair naturally. We are unable to answer cutting and styling questions (as doing so via email is next to impossible) recommend straightening processes, advise on heat appliances, or advise on other products; such questions will not be answered. DISCLAIMER: all pictures submitted to curls.biz for hair care advice will not be sold to any 3rd party source. however, such pictures become the property of curls.biz and may be used for marketing where appropriate. Learn How You Can Earn CURLS Points With Every Order! Event Sponsorship & Event Sample Requests CURLS Line916-712-4960 For Telephone Orders, call us Monday - Friday 9:00am - 12 Noon PST. Otherwise leave us a message and a CURLS Representative will return your call within 24-48 hours. CURLS AddressCURLS 124 Rose Lane Suite 405 Frisco, TX 75034 FAQs
Once an order is submitted, it immediately gets transferred to our Warehoue to get picked, packed and shipped. Therefore, once an order is submitted, it cannot be altered. NOTE: If an order is sent to a customer, and refused, the order (minus shipping fees + a 20% stocking fee) will be deducted from the total amount refunded. |
We at CURLS provide utmost attention to the needs and demands of our customers. Wash and go hair simply isn't an option. Regular usage of quality Curly Product range is an absolute necessity. At Curls, we want to fulfill all your needs and answer to all your queries. Our experts instruct you on the proper hair care line and hair care products you need. Click here to buy your own curly hair care product as suggested from our extensive online store. |


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Play 4 The Cure - Field Hockey and Soccer
Wednesday, October 3, 2012
4:30 p.m.
Campus Location:
Event Details:
Women's field hockey, LC vs Washington & Lee, 5 p.m.
Men's soccer, LC vs Roanoke, 7 p.m.
All proceeds from Play 4 The Cure will be donated to the Susan G. Komen Foundation. Raffles will be held and t-shirts sold ($12) during the games. Come tailgate with the Red Swarm!


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Cirque du Freak: The Vampire's Assistant
action & adventure, children & family, sci-fi & fantasy
Drawn to the magical world of the Cirque, a 16-year-old boy trades in his ordinary life to become an immortal vampire in this amazing adventure co-starring John C. Reilly and Salma Hayek.
© 2009 Universal Studios. All Rights Reserved.
John Reilly, Josh Hutcherson, Chris Massoglia, Ken Watanabe, Ray Stevenson, Patrick Fugit, Willem Dafoe, Salma Hayek, Jessica Carlson, Don McManus
common sense
Teen vampire flick is scarier, edgier than the book series.
what parents need to know
what families can talk about
movie reviews from Rotten Tomatoes®
reviews counted: 31see all Cirque du Freak: The Vampire's Assistant reviews -
Top Critic Reviews
Rotten: Tests its viewers' patience even as it strives to build their loyalty.
- A.O. Scott, New York Times, Friday, October 23, 2009
Rotten: Harry Potter needn't call time out on his Quidditch game, and Edward Cullen can stick to his beauty rest.
- Adam Graham, Detroit News, Friday, October 23, 2009
Fresh: Mixing horror and comedy while minimizing the gore, writer-director Paul Weitz serves up a witty adventure fantasy with a tasty dollop of schadenfreude.
- Andrea Gronvall, Chicago Reader, Friday, October 23, 2009
Audience Reviews
Did not hold my attention. No real shock there - me and my great love of kids movies. In all fairness, has a decent cast, and I did at least get more than halfway through it before becoming brain numbingly bored. I suppose it is okay for a kid's movie, and if you like them, you may even enjoy this. But personally, didn't do a lot for me. Anything with a stupid CG spider running around is not exactly thrilling viewing. As for those claiming it is better than Twilight... as if.
- romy861, Saturday, November 13, 2010
This wasn't a great movie but I had fun. B
- bbbbbbbbbbbbbbbbbbbb1, Saturday, November 27, 2010
It's hard to know what to make of this movie. The story moves forward, sure, but it seems to spend too much time showing you things that aren't important. Yup, here are all the freaks, each unique and laid out end-to-end. Why aren't we seeing what the main character's friend is doing all this time, if he's such a vital character to the grand scheme of things in the supernatural world? It sure as hell would have made the end make more sense.I get the feeling that everything would come together when you watch this and its inevitable sequals all together, but until those movies come out, this saga is going to feel incomplete. Granted, all the characters in the circus are cool looking and fairly engaging (I especially liked the snake boy, who's really laid back and takes to calamity rather casually), but I get the feeling that this film focus entirely on the wrong ones. Not enough time is devoted to the villains and thier motivations, and it really didn't matter to me who won in the end. But an aside: guys, do you really expect me to believe that in a fight between Dewey Cox and The Punisher, that The Punisher would lose? Cam-aaaaahn! Another thing that struck me was how dark this is for a children's film. It's full of swearing and flippant violence, and the two main characters' families get thrown away just a little too easily. I look forward to seeing this story get fleshed out and completed, but I resent being made to wait for that to happen. You're supposed to get it all done in a single film.
- MidnightMadwoman, Wednesday, July 14, 2010


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Tabita Skin Care, Cosmetic Products specifically for facial care.
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Not use hazardous materials such as MERCURY and hydroquinon which can cause skin cancer and addiction.
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Economical Package Volume Cream 15 g,
Regular Package 25 gr,
Exclusive Package 40gr
Packaging Cream
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Know what consumers buy packages.
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Economical Package 525 000 RUPIAH ( Package)
Facial Shop, Smooth Lotion, Day Cream, Night Cream
Economical Cream Unit Price:
Daily Cream ( 15 grm) 170 000 RUPIAH
Nightly Cream ( 15 grm) 170.000 RUPIAH
Facial Soap 150, 000 RUPIAH
Smooth Lotion 150, 000 RUPIAH
Regular Package 625 000 RUPIAH( Package)
Facial Shop, Smooth Lotion, Day Cream, Night Cream
Cream Regular Unit Price:
Daily cream 225.000 RUPIAH
Nightly cream 225.000 RUPIAH
Facial Soap 150, 000 RUPIAH
Smooth Lotion 150, 000 RUPIA
725 000 RUPIAH Exclusive Package ( Package)
Facial Shop, Smooth Lotion, Day Cream, Night Cream
Unit Price:
Daily cream 250, 000 RUPIAH
Nightly Cream 250, 000RUPIAH
Facial Soap 150, 000 RUPIAH
Smooth Lotion 150, 000 RUPIAH
Note: for package Exclusive package creamnya pots made of glass material that is more exclusive with a diameter slightly larger than the regular package cream pot packaging, but for Facial Soap and Lotion Smooth packaging remains the same.
Product Price Product Tabita-Other:
1. Eye cream 150, 000 RUPIAH
Shaped Gel is used around the circle under the eyelid to brighten and tighten as well as anti aging around the eye circles
2. Acne Cream 150, 000 RUPIAH
Eliminate and treat acne is stubborn and only used or applied to the acne only 1x a day after using the cream at night.
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Soften and keep skin moist 2 x daily use after every shower.
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Cleaning the dull skin and remove impurities and dirt embedded in the skin used 2x a week
5. Face Powder 190 000 RUPIAH
Powder ( loose powder) Bise used daily by first using a day cream as foundation and the protective skin from the sun
6. Matt Finishing 290 000 RUPIAH
Liquid Powder can be used for special occasions instead of powder, are to make the face look more shiny, bright, clean, supple and fresh. ( No need to use to sehari2)
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Used 2x a week instead of night cream, but is recommended for ages above 35 years as fasteners skin cream, anti aging and maintain skin moisture and suppleness.
FOR QUESTIONS AND ORDERING HUB TATHA 0857-1081-3663 / 021-8383-3860 ( esia)
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