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Washington, D.C. 20549
QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
(Exact name of registrant as specified in its charter)
4055 Technology Forest Blvd., Suite 210
The Woodlands, Texas 77381
(936) 230-5899
(Address, including zip code, and telephone
number, including area code, of registrant's
principal executive offices)
3295 College Street
Beaumont, Texas 77701
(Former name, former address and former
fiscal year, if changed since last report)
Indicate by check mark whether the registrant (l) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes x No ¨
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See definition of "accelerated filer and large accelerated filer" in Rule 12b-2 of the Exchange Act. (Check One):
(Do not check if a smaller reporting company)
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).
Yes ¨ No x
Indicate the number of shares outstanding of each of the issuer's classes of common stock, as of August 31, 2012:
(in thousands, except share data)
See notes to consolidated financial statements.
(in thousands, except per share amounts)
See notes to consolidated financial statements.
(in thousands)
See notes to consolidated financial statements.
Six Months Ended July 31, 2012 and 2011
(in thousands)
See notes to consolidated financial statements.
(in thousands)
See notes to consolidated financial statements.
Basis of Presentation. The accompanying unaudited consolidated financial statements of Conn's, Inc. and subsidiaries (the "Company") have been prepared in accordance with accounting principles generally accepted in the United States ("GAAP") for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. The accompanying financial statements reflect all adjustments that are, in the opinion of management, necessary for a fair presentation of the results for the interim periods presented. All such adjustments are of a normal recurring nature, except as otherwise described herein. The Company's business is somewhat seasonal, with a higher portion of sales and operating profit realized during the quarter that ends January 31, due primarily to the holiday selling season. Operating results for the six-month period ended July 31, 2012 are not necessarily indicative of the results that may be expected for the fiscal year ending January 31, 2013. The financial statements should be read in conjunction with the Company's audited consolidated financial statements and the notes thereto included in the Company's Annual Report on Form 10-K for the year ended January 31, 2012, filed with the Securities and Exchange Commission on April 12, 2012.
The Company's balance sheet at January 31, 2012, has been derived from the audited financial statements at that date, but does not include all of the information and footnotes required by GAAP for a complete financial presentation. Please review the Company's Annual Report on Form 10-K for a complete presentation of the audited financial statements for the fiscal year ended January 31, 2012, together with all required footnotes, and for a complete presentation and explanation of the components and presentations of the financial statements.
Principles of Consolidation. The consolidated financial statements include the accounts of Conn's, Inc. and its wholly-owned subsidiaries, including a bankruptcy-remote, variable-interest entity ("VIE") further discussed below. Conn's, Inc. is a holding company with no independent assets or operations other than its investments in its subsidiaries. All material intercompany transactions and balances have been eliminated in consolidation.
In April of 2012, the Company transferred certain customer receivables to a VIE in connection with a securitization. The VIE issued debt secured by the customer receivables that were transferred to it, which are included in customer accounts receivable and long-term portion of customer accounts receivable on the consolidated balance sheet.
The Company determined that the VIE should be consolidated within its financial statements due to the fact that it qualified as the primary beneficiary of the VIE based on the following considerations:
The investors and the securitization trustee have no recourse to the Company's other assets for failure of the VIE to repay the amounts due to them. Additionally, the Company has no recourse to the VIE's assets to satisfy its obligations. The Company's interests are subordinate to the investors' interests, and will not be paid if the VIE is unable to repay the amounts due. The ultimate realization of the Company's interest is subject to credit, prepayment, and interest rate risks on the transferred financial assets.
Use of Estimates. The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the financial statements and accompanying notes. Actual results could differ from those estimates.
Earnings per Share. Basic earnings per share is calculated by dividing net income by the weighted average number of common shares outstanding. Diluted earnings per share include the dilutive effects of any stock options and restricted stock units granted, to the extent not anti-dilutive, which is calculated using the treasury-stock method. The following table sets forth the shares outstanding for the earnings per share calculations:
The weighted average number of stock options and restricted stock units not included in the calculation due to their anti-dilutive effect was 1.0 million and 2.3 million for each of the three months ended July 31, 2012 and 2011, respectively, and 1.2 million and 2.4 million for each of the six months ended July 31, 2012 and 2011, respectively.
Fair Value of Financial Instruments. The fair value of cash and cash equivalents and accounts payable approximate their carrying amounts because of the short maturity of these instruments. The fair value of customer accounts receivables, determined using a discounted cash flow analysis, approximates their carrying amount. The fair value of the Company's debt approximates carrying value due to the recent date of issuance on the VIE's asset-backed notes and the anticipated rate at which the Company could obtain comparable financing to its current asset-based revolving credit facility. The Company's interest rate cap options are presented on the balance sheet at fair value. Fair value of these instruments were determined using Level 2 inputs of the GAAP hierarchy, which are defined as inputs not quoted in active markets, but are either directly or indirectly observable.
The Company recorded the following charges during the first six months of fiscal years 2013 and 2012:
Fiscal year 2013:
Second quarter:
First quarter:
Fiscal year 2012:
Second quarter:
First quarter:
Customer accounts receivable are originated at the time of sale and delivery of the various products and services. The Company records the amount of principal and accrued interest on customer receivables that is expected to be collected within the next twelve months, based on contractual terms, in current assets on its consolidated balance sheet. Those amounts expected to be collected after twelve months, based on contractual terms, are included in long-term assets. Typically, customer receivables are considered delinquent if a payment has not been received on the scheduled due date.
As part of its efforts in mitigating losses on its accounts receivable, the Company may make loan modifications to a borrower experiencing financial difficulty that are intended to maximize the net cash flow after expenses, and avoid the need for repossession of collateral. The Company may extend the loan term, refinance or otherwise re-age an account. In the quarter ended October 31, 2011, the Company adopted new accounting guidance that provides clarification on whether a debtor is experiencing financial difficulties and whether a concession has been granted to the debtor for purposes of determining if a loan modification constitutes a Troubled Debt Restructuring ("TDR"). The adoption was applied retrospectively to its loan restructurings after January 31, 2011. The Company defines TDR accounts that originated subsequent to January 31, 2011 as accounts that have been re-aged cumulatively in excess of three months or refinanced. For accounts originating prior to January 31, 2011, if the cumulative re-aging exceeds three months and the accounts were re-aged subsequent to January 31, 2011, the account is considered a TDR.
The Company monitors the performance of customer accounts receivable and from time-to-time modifies its policies to improve the long-term portfolio performance. During the quarter ended July 31, 2011, the Company implemented a policy which limited the number of months that an account can be re-aged to a maximum of 18 months and further modified the policy to a maximum of 12 months in the third quarter of fiscal 2012. As of July 31, 2011, the Company modified its charge-off policy so that an account that is delinquent more than 209 days as of the end of a month is charged-off against the allowance for doubtful accounts and interest accrued subsequent to the last payment is reversed and charged against the allowance for uncollectible interest. Prior to July 31, 2011, the Company charged off all accounts for which no payment had been received in the past seven months, if the account was also delinquent more than 120 days.
The Company segregates the population of accounts within its receivables portfolio into two classes – those with origination credit scores less than 575 and those with origination scores equal to or greater than 575. The Company uses credit scoring criteria to differentiate underwriting requirements, potentially requiring differing down payment and initial application and documentation criteria. The following tables present quantitative information about the receivables portfolio managed by the Company, segregated by class:
Following is the activity in the Company's balance in the allowance for doubtful accounts and uncollectible interest for customer receivables for the six months ended July 31, 2012 and 2011:
The Company records an allowance for doubtful accounts, including estimated uncollectible interest, for its customer accounts receivable, based on its historical cash collections and net loss experience and expectations for future cash collections and losses. In addition to pre-charge-off cash collections and charge-off information, estimates of post-charge-off recoveries, including cash payments, amounts realized from the repossession of the products financed and, at times, payments received under credit insurance policies are also considered.
The Company determines reserves for those accounts that are TDRs based on the present value of cash flows expected to be collected over the life of those accounts. The excess of the carrying amount over the discounted cash flow amount is recorded as a reserve for loss on those accounts. The Company estimates its allowance for bad debts by evaluating the credit portfolio based on the number of months re-aged, if any.
The Company typically only places accounts in non-accrual status when legally required to do so. Interest accrual is resumed on those accounts once a legally-mandated settlement arrangement is reached or other payment arrangements are made with the customer. The amount of customer receivables carried on the Company's balance sheet that were in non-accrual status was $8.2 million and $9.8 million at July 31, 2012 and January 31, 2012, respectively. The amount of customer receivables carried on the Company's consolidated balance sheet that were past due 90 days or more and still accruing interest was $36.0 million and $39.5 million at July 31, 2012 and January 31, 2012, respectively.
The following is a summary of the classification of the amounts included as finance charges and other for the three and six months ended July 31, 2012 and 2011:
The amount included in interest income and fees on customer receivables related to TDR accounts was $1.0 million for each of the three–month periods ended July 31, 2012 and 2011, and $2.2 million and $1.4 million for each of the six-month periods ended July 31, 2012 and 2011, respectively. The Company recognizes interest income on TDR accounts using the interest income method, which requires reporting interest income equal to the increase in the net carrying amount of the loan attributable to the passage of time. Cash proceeds and other adjustments are applied to the net carrying amount such that it always equals the present value of expected future cash flows.
During the fiscal year ended January 31, 2012, the Company closed 11 retail locations that did not perform at the level the Company expects for mature store locations. As a result of the closure of eight stores with unexpired leases, the Company recorded an accrual in fiscal 2012 for the present value of remaining lease obligations and anticipated ancillary occupancy costs, net of estimated sublease income. Revisions to these projections for changes in estimated marketing times or sublease rates will be made to the obligation as further information related to the actual terms and costs become available. The estimate was calculated using Level 2 fair value inputs as defined by the GAAP fair value hierarchy. The changes in the liability recorded for store closures for the six months ended July 31, 2012 were as follows:
The change in estimate results from the favorable impact of the termination of a lease and is partially offset by changes in sublet assumptions for certain locations and accretion of the present value of the expected future rental payments. The cash payments include payments made for facility rent and related costs.
The Company's long-term debt consisted of the following at the period ended:
The Company's asset-based revolving credit facility, as amended, provides for funding of up to $450 million based on a borrowing base calculation that includes customer accounts receivable and inventory. The credit facility bears interest at LIBOR plus a spread ranging from 350 basis points to 400 basis points, based on a leverage ratio (defined as total liabilities to tangible net worth). In addition to the leverage ratio, the revolving credit facility includes a fixed charge coverage requirement, a minimum customer receivables cash recovery percentage requirement and a net capital expenditures limit. Additionally, the agreement contains cross-default provisions, such that, any default under another of the Company's credit facilities would result in a default under this agreement, and any default under this agreement would result in a default under those agreements.
On April 30, 2012, the Company's VIE issued $103.7 million of asset-backed notes which bear interest at 4.0% and were sold at a discount to deliver a 5.21% yield, before considering transaction costs. The principal balance of the notes, which are secured by certain customer receivables, is reduced on a monthly basis by collections on the underlying customer receivables after the payment of interest and other expenses of the VIE. While the final maturity for the notes is April 2016, the Company currently expects to repay any outstanding note balance in April 2013 and, therefore, has classified the outstanding principal within the current portion of long-term debt. Additionally, the notes include a prepayment incentive fee whereby if the notes are not repaid by the expected final principal payment date of April 15, 2013, the VIE will be required to pay, in addition to accrued interest on the notes, a monthly fee equal to an annual rate of 8.5% times the outstanding principal balance. The VIE's borrowing agreement contains certain covenants, including the maintenance of a minimum net worth for the VIE. The VIE's debt is secured by the customer accounts receivable that were transferred to it, which are included in customer accounts receivable and long-term portion of customer accounts receivable on the consolidated balance sheet. At July 31, 2012, the VIE held cash of $8.3 million from collections on underlying customer receivables which is classified within prepaid expenses and other assets on the consolidated balance sheet. The investors and the securitization trustee have no recourse to the Company's other assets for failure of the VIE to pay the notes when due or any other of its obligations. Additionally, the VIE's assets are not available to satisfy the Company's obligations. The Company's interests in the VIE are subordinate to the investors' interests, and would not be paid if the VIE is unable to repay the amounts due. The ultimate realization of the Company's interest is subject to credit, prepayment, and interest rate risks on the transferred financial assets. Net proceeds from the offering were used to repay borrowings under the Company's asset-based revolving credit facility.
The Company was in compliance with its debt covenants at July 31, 2012.
As of July 31, 2012, the Company had immediately available borrowing capacity of approximately $135.7 million under its asset-based revolving credit facility, net of standby letters of credit issued, for general corporate purposes. The Company also had $78.6 million that may become available under its asset-based revolving credit facility if it grows the balance of eligible customer receivables and its total eligible inventory balances.
The Company's asset-based revolving credit facility provides it the ability to utilize letters of credit to secure its deductibles under the Company's property and casualty insurance programs and its obligations to remit payments collected as servicer of the VIE's receivables, among other acceptable uses. At July 31, 2012, the Company had outstanding letters of credit of $4.3 million under this facility. The maximum potential amount of future payments under these letter of credit facilities is considered to be the aggregate face amount of each letter of credit commitment, which totals $4.3 million as of July 31, 2012.
The Company is involved in routine litigation and claims incidental to its business from time to time, and, as required, has accrued its estimate of the probable costs for the resolution of these matters, which are not expected to be material. These estimates have been developed in consultation with counsel and are based upon an analysis of potential results, assuming a combination of litigation and settlement strategies. The Company has been included in various patent infringement claims and litigation, the outcomes of which are difficult to predict at this time. Due to the timing of these matters, the Company has determined that no reasonable estimates of probable costs for resolution can be ascertained at this time, and it is possible, however, that future results of operations for any particular period could be materially affected by changes in the Company's assumptions or the effectiveness of its strategies related to these proceedings. However, the results of these proceedings cannot be predicted with certainty, and changes in facts and circumstances could impact the Company's estimate of reserves for litigation.
Financial information by segment is presented in the following tables for the three and six months ended July 31, 2012 and 2011:
Forward-Looking Statements
This report contains forward-looking statements that involve risks and uncertainties. Such forward-looking statements include information concerning our future financial performance, business strategy, plans, goals and objectives. Statements containing the words "anticipate," "believe," "could," "estimate," "expect," "intend," "may," "plan," "project," "should," or the negative of such terms or other similar expressions are generally forward-looking in nature and not historical facts. Although we believe that the expectations, opinions, projections, and comments reflected in these forward-looking statements are reasonable, we can give no assurance that such statements will prove to be correct. A wide variety of potential risks, uncertainties, and other factors could materially affect our ability to achieve the results either expressed or implied by our forward-looking statements including, but not limited to: general economic conditions impacting our customers or potential customers; our ability to continue existing or offer new customer financing programs; changes in the delinquency status of our credit portfolio; higher than anticipated net charge-offs in the credit portfolio; the success of our planned opening of new stores and the update of existing stores; technological and market developments, and sales trends for our major product offerings; our ability to fund our operations, capital expenditures, debt repayment and expansion from cash flows from operations, borrowings from our revolving credit facility, and proceeds from accessing debt or equity markets; and the other risks detailed from time-to-time in our United States Securities and Exchange Commission ("SEC") reports, including but not limited to, our Annual Report on Form 10-K for our fiscal year ended January 31, 2012. You are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this report. Except as required by law, we are not obligated to publicly release any revisions to these forward-looking statements to reflect events or circumstances after the date of this report or to reflect the occurrence of unanticipated events.
We are a specialty retailer of durable consumer products, and we also provide credit to support our customers' purchases of the products that we offer. We derive our revenue from two primary sources: retail sales and delivery of consumer goods, including sales of third-party repair service agreements; and our in-house customer credit program, including sales of credit insurance products. We operate a highly integrated and scalable business through our retail stores and our website, providing our customers with a broad range of brand name products, in-house and third-party financing options, next day delivery capabilities, and product repair service through well-trained and knowledgeable sales, credit and service personnel.
We currently operate 65 retail locations in Texas, Louisiana and Oklahoma. The Company's primary product categories include:
Additionally, we offer a variety of products on a seasonal basis, including lawn and garden equipment, and continue to introduce additional product categories for the home to respond to customers product needs and to increase same store sales. We require our sales associates to be knowledgeable of all of our products.
Our business is moderately seasonal, with a greater share of our revenues, operating and net income historically realized during the quarter ending January 31, due primarily to the holiday selling season.
Unlike many of our competitors, we provide flexible in-house credit options for our customers. In the last three years, we financed, on average, approximately 61% of our retail sales through our internal credit programs. We offer our customers an interest-bearing installment financing program and, at times, we offer promotional credit programs to certain of our customers that provide for "same as cash" or deferred interest interest-free periods of varying terms, generally three, six and 12 months, and require monthly payments beginning in the month after the sale. In addition to our own credit programs, we use third-party financing programs, including a Conn's-branded revolving charge card and non-interest bearing financing with terms greater than 12 months, for purchases made by our customers. We also use a third-party provider to offer a rent-to-own payment option to our customers.
The following tables present, for comparison purposes, information about our credit portfolios (dollars in thousands, except average outstanding customer balance).
Historical Static Loss Table
The following static loss analysis calculates the cumulative percentage of balances charged off, based on the year the credit account was originated and the period the balance was charged off. The percentage computed below is calculated by dividing the cumulative net amount charged off since origination by the total balance of accounts originated during the applicable fiscal year. The net charge-off was determined by estimating, on a pro rata basis, the amount of the recoveries received during a period that were allocable to the applicable origination period.
Segment Overview
This narrative provides an overview of our segment operations for the three and six months ended July 31, 2012. A detailed explanation of the changes in our operations for the comparative periods is included under Results of Operations.
Retail Segment Review
Credit Segment Review
Operational changes and outlook
We have implemented, continued to focus on or modified operating initiatives that we believe should positively impact future results, including:
While we have benefited from our operations being concentrated in the Texas, Louisiana and Oklahoma region in the past, continued weakness in the national and state economies, including instability in the financial markets and the volatility of oil and natural gas prices, have and will present significant challenges to our operations in the coming quarters.
Results of Operations
The following table sets forth certain statement of operations information as a percentage of total revenues for the periods indicated:


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All over Myanmar, but especially in the cities, young people are hard at work trying to rebuild social networks and give those networks purpose in a country where 50 years of dictatorship means they are starting from scratch: The military trashed the education system, banned independent unions and professional organizations, reined in charity groups, and ruled a fractured society with an iron fist.
For example, in a classroom at the British Council (the British government's cultural arm), the English Conversation Club that meets each Sunday afternoon is an exercise in consciousness raising as much as a lesson in vocabulary and grammar.
On a recent Sunday, volunteer teacher Khin Soe Min led a discussion of a simple fictional story the group had read about a tree in danger of being cut down to make way for a mall, threatening the birds, insects, and squirrels that had made their homes in its branches.
Demonstrations, letters to the mayor, and an appeal to the courts blocked the building of the mall and saved the tree. "If you stay silent, nothing happens. If you want something, you have to do something," Mr. Khin Soe Min said. But that was only part of the message he had hoped to get across. The value of trees, and the importance of the natural environment, was another key element, he explained. "I don't just want people to protest. I want them to understand why they are demonstrating, because they have knowledge."
Knowledge is in desperately short supply in Myanmar, where schools are poorly staffed, universities have been repeatedly closed to choke off student unrest, many educated Burmese have gone into exile, and international isolation has starved students of learning material.
But since cyclone Nargis killed 130,000 people and ravaged the Irrawaddy Delta in 2008, prompting a wave of volunteers to help with relief efforts, a plethora of nongovernmental organizations has sprung up to provide the sort of welfare and social services the government should provide but does not. Gradually, some of them have expanded their activities into the political realm of civic education.

subset: commoncrawl


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To find the parts that fit your machine, click on the link below and select your make, year and model.
Only the products that fit your machine will be shown in the product list
Click Here to Add Your Machine! >>
Maxima Scooter Gear Oil is designed from 80w90 mineral based gear oil for scooters and is specifically formulated for both 2T and 4T applications. Use where 90w Gear Oil or 30wt Motor Oil is recommended. API GL-5. Made in the U.S.A.
Specifications and Options


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My girlfriend is going to get her first carry gun. She has it narrowed down to the Kahr CW9, PM9 or the Springfield EMP. I know that these are two different style guns, but she likes both very much. She will not be able to rent the EMP and hasn't shot the Kahr yet so she is having a tough time deciding. I like the EMP for her because of SA 1911. She can handle the DA of Kahr (she has shot Glocks).
What do you guys think? She will be carrying on the hip and sometimes in a pocket book. She is leaning slightly towards the Kahr CW. Is this one reliable. I thought I read the PM series is best for Kahr? Any advice?


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Reform body to review security for costs orders
PUBLISHED: 13 May 2011 07:45:03 | UPDATED: 13 May 2011 07:45:03PUBLISHED: 13 May 2011 PRINT EDITION: 13 May 2011Security for costs orders, used to protect successful defendants' recovery of legal costs in litigation, will be reviewed by the NSW Law Reform Commission.
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How does the League of Legends interact with Valoran? I have a lot of questions regarding how the League of Legends interacts in the world it exists in, based off published Riot lore, and hopefully I can get some help. It's pretty basic knowledge that the League was created to resolve political disputes because the Rune Wars were tearing the world apart. The League draws champions from basically every avenue available, even going so far as to summon champions from other worlds (Taric, Kayle, Malphite), imprison deadly beings (Nocturne, Brand, Cho'Gath, Renekton), foster terrorists, assassins and other beings that cannot exist in polite society (Syndra, Talon, Malzahar), and negotiate with champions to provide a mutually beneficial relationship the League provides a service, usually magical, for the champion (Ahri, Maokai, Morgana). Champions join the League in order to gain influence, cash, skills for either personal means (Caitlyn, Sivir, Ashe, Evelynn, Miss Fortune) or for secret missions that require access to the Institute of War (Xerath, Nautilus, Vayne). Most other champions fight for (or against) their city-state or cause of choice. We also know that the League is ubiquitous in the world. Orianna Reveck dreamed of becoming a champion as a young woman, going so far as to participate in training courses. It's noted that it was the champions of the League that fascinated her, not the prestige or the concept. Orianna's father was a 'famed inventor' (Orianna teaser image), a craftsman of some sort, but he wasn't a noble yet he was able to enrol his daughter in a training course with an approximation of a Summoner's Rift lane and tower. When Nautilus climbed onto the shores of Bilgewater, sailors pointed him towards the Institute of War. When Lulu found herself unwelcome in Bandle City, she was able to find the League quite easily. We also know that champions (and other notable figures) in Valoran are watched and cheered on by the populace. When Lux was working as a stealth agent for Demacia, her exploits were cheered on by the Demacian populace, and she earned goodwill with Noxians and Ionians alike. Katarina and Darius are both cited as symbols of Noxian pride and strength. As mentioned earlier, Orianna Reveck was fascinated by the champions of the League of Legends. Champions are public figures. People also, obviously, watch matches for political reasons. So how do people watch these matches? Do they go to arenas and crowd into the stands? That seems unlikely when each of the stages take place in one, unchanging spot. Are there screens displaying what's happening basically, television technology? Is the answer basically a wizard did it - summoners are opening visual portals or something similar? Wouldn't that go against the whole restriction of magic thing that the League was created to prevent? Or are people reading the results of these matches? If so, who's distributing this information? Summoners are literate (the existence of the Journal of Justice). We know that at Demacians are educated enough at the very least enough to be fully literate. (They were both quotes from The Measured Tread, the handbook that any self-respecting Demacian could recite on command. [...] reciting the Justice Pledge along her fellow recruits. -Lux's Champion Judgement) We also know that wherever Orianna died, that was news reported in a newspaper. It's also fair to assume that Yordles are educated far beyond the norm compared to other city-states (Rumble, Heimerdinger, Ziggs are all scientific masterminds). But would a Noxian be literate? Noxus is home to some pretty brutal slums, where Talon, Darius and Draven all grew up when you're focused on eating and finding some way to earn money to survive (the military for Darius, assassinations for Talon), how educated are you? Do you even know what's going on in the League, except that it exists? Like, would you be able to go Oh yeah Noxus was kicked out of the southern provinces of Ionia by a League match. off the top of your head? Thanks for reading this and hopefully I can puzzle this out.
Dirge Farum
Senior Member
Journal of Justice, Volume 1, Issue 5 "Vaskervon Coliseum.The League of Legends Visiopathic Service is showing a key battle arena fight between Zaun and Ionia, and no true Zaunite would even dream of missing it." There are areas in each city where the people can go and watch a live stream of the matches. A lot of League Champions are considered stars (like Janna) and have their own fans. "Most city-states would send a champion back for a second Judgment if they heard such nonsense, but in Zaun a cacophonous cheer erupts from the fans instead – a cheer that the Zaun faithful hope can be heard by all of the "peaceniks" back in Ionia. There will certainly be no love lost between the two city-states after the game, as League rules for this particular match dictates that the loser will cede control of a resource rich portion of their shared maritime border to the winner. Such a loss would be an unacceptable blemish on the relatively long reign of Chairman Magnus Dunderson, Zaun's Chief Executive. No Zaunite with a beating heart could tolerate such a failure from their leadership." Especially considering how these matches can affect the city-states. Also, I think minor acts of magic are allowed and common practice (mages have to practice and some League Champions may even use their powers outside the League) but the League was mainly to stop the widespread warfare of the Rune Wars. The small and local acts of magic and sealed/regulated magic the League are nothing compared to the regiments of mages launching spells like hails of arrows during the wars.
Thanks for the answers


text: Swezey's space to get makeover By: Michael H. Samuels January 21, 2009 2 Comments Tritec Real Estate is set to unveil Thursday a mixed-use redevelopment plan for the property that once housed Swezey's department store in Patchogue. The plan will include 240 apartments, 67 of which would be affordable housing, 20,000 square feet of new retail space and a 106-room hotel, said Robert Loscalzo, the chief operating officer of Tritec. ... Subscribe Login Email Address: Password: Already a paid subscriber but not registered for online access yet? For instructions on how to get premium web access, click here.Forgot your password? Print, Digital & Mobile1 Year$129 Digital & Mobile Only1 Month Intro Rate$2.99----------1 Year$99 Digital & Mobile Only1 Month Intro Rate$2.99----------1 Year$99 Print, Digital & Mobile1 Year$129 Print, Digital & Mobile1 Year$129----------Digital & Mobile Only1 Month Intro Rate$2.99----------1 Year$99 Share this:EmailPrintFacebookTwitterGoogle +1 LIA Patchogue Steve Levy Tom Suozzi 2:30 pm Wed, January 21, 2009 Long Island Business News Michael H. Samuels


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2756 Tasting Notes
Sipdown! 832. Thanks to Indigobloom for this one.
I found this to be a fairly decent black, but nothing super special. There were some cocoa notes (yum!) and it was smooth and malty, but it's pretty tough for anything to beat Laoshan Black and Premium Taiwanese Assam, so although it was definitely good quality, it's not a tea I'd pick up myself.
Thanks to Sil for passing on some of this from last year's Christmas swap! I found it to be quite enjoyable – lavender EGs on their own are a bit potent, but mixed with the EGC? Delicious! Not overly floral, but flavourful and different. I'm not catching a great deal of bergamot, but I am guessing that neither of the two teas involved in the blend were particularly bergamot-heavy. A tasty treat!
Yum – I still like this one! A nice short infusion results in quite a tasty cup. I can't really taste all the flavours individually, but get hints of fruitiness, maple, and caramel depending on the sip. A great selection for tonight.
Yum. Drank some of this a looooooong while ago. It was good, but I don't find a great deal of difference between most black currant/cream blacks. Still have some left, so I'll write in more detail when I drink it again (although I assume I have another note on this somewhere)…
Surprisingly, I really enjoyed this one. Not enough to stock up, but I expected it would be one I'd dump out, so that's good! I can't recall how long I steeped it for (probably 2-3 minutes to keep the hibiscus in check), and it tasted marvellously like tart raspberries, in a good way. I think it did lean towards being a touch too tart, but I expect it would make a fantastic iced tea (possibly requiring sugar, but perhaps not!) Also, no guayusa flavour, which is a plus for me as I don't seem to be terribly fond of it.
Sipdown! 833 (or thereabouts).
Tasty enough; not a super favourite but as I mentioned, everything tastes great right now, so I'm quite enjoying it. Fruity chocolate is pretty much what I'm getting this time, although this is the second infusion (the first was way oversteeped, so I had to dose it with sugar, which made it quite delicious as well).
Sipdown! Finally I can get back to tea logging! I successfully defend my Masters thesis last Friday, and have submitted it, so I'm officially done! So awesome. I have a bunch of backlogs to write at some point, if I remember… but odds are good I'll miss a bunch.
Anyhow! Was poking through random bags of tea tonight (yes, there will be stash pix, since I finally have time to organize, which I'm super stoked about!), and picked out this one as I wasn't super sure what I wanted. I've been so tea-deprived lately, that everything tastes great, and I am thoroughly enjoying all of the tea I brewed up. Yum. A hint of ginger, light tea base, peachy-fruity flavour. Definite like. (No licoricey flavour this time, yay!)
Ohhhhh tea. How I've missed you. I keep noticing that the longer I don't have tea, the better it tastes when I get back to it, haha.
Anyhow, this is super delicious right now, and I have a few things to log, and can't wait to get back to writing regular notes (and sending out some owed swaps!)
Cold-brewed this a few days ago, and yep! It's a winner! Deliciousness. I think 170g maybe was a bit overkill to be honest, but I'm glad to have a good supply of this one.


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Category Archives: Fiber Preparation
Carding My Green Leftovers Together
When I have a lot of little bits I like to card them together. First I pull them all into small lengths. This pictures make the wool look very blue. I think maybe because the table is very yellow. I … Continue reading
Posted in Fiber Preparation, Uncategorized, Wool
Tagged blending, carding, mixing colours, wool
12 Comments
From Raw Fleece to Carded Batts of Wool
Our guest author/artist today is Zara Tuulikki Rooke. She generously offered to take us through the process of preparing fibers from her own sheep to use for felting. As I enjoy felting, I feel very fortunate to also be able … Continue reading
Posted in Fiber Preparation, Guest Writer, natural wools, Sheep Farming, Wool
Tagged Asen, Batts, drum carding, fiber preparation, Finull, fleece, gotland, locks, Rya, shearing, sheep, wet felting, wool
21 Comments
Carding Batts
This last weekend I did some carding. I was making Monet batts. First my daughter and I pulled apart small bits of wool and mixed it up. Then onto the table and spread out ready for a trip through the … Continue reading
Posted in Design, Dyeing, Fiber Preparation, Inspiration, Wool
Tagged Batt, Batts, carding, Monet
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A Day in the Life of a Fiber Mill
Last Friday, Cathy (Luvswool) and I took a lovely drive out to Belvidere, Illinois to tour the Illinois Wool and Fiber Mill. Nestled in the midst of farmland, we were surprised to turn into a homestead driveway. I guess we … Continue reading
Posted in Fiber Preparation
Tagged Batts, blending, carding, dyeing, fleeece, Illinois Wool and Fiber Mill, picking, pin drafting, roving, spinning, washing fiber, wool, wool processing, yarn
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Using A Drum Carder
Recently on the Felting and Fiber Forum, Leonor was asking those of us who'd recently bought drum carders what we thought of them. I said I really liked mine from the Classic Carder company and didn't tend to get fibre … Continue reading
Posted in Fiber Preparation
Tagged blending wool, carding wool, making batts, using a drum carder
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Very Pink
My sister got me some wool tops for Christmas. Even before I'd seen the colours, I'd decided I'd make her a book cover from whatever she chose, thinking she'd probably choose her favourites. She chose a selection of pinks, not … Continue reading
What I am working on
I was sitting here wondering what the post would be today when I realised it was my turn to post. So you might guess I am running a little behind. It has turned cold her so I thought better make … Continue reading
Posted in Design, Felted Hats, Fiber Preparation, Uncategorized, Wet Felting
Tagged carding, design, felt, felt hat, felting, fiber, hand stitching, merino wool, stitching, wet felting, wool
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Mouser named by power specialist Ohmite
Mouser Electronics has been recognised for its sales success and inventory levels by Ohmite Manufacturing.
According to the power resistor and heatsink supplier, the distributor was measured against its competitors in a number different sales and supply criteria.
These included support for new product introductions, sales growth and the level of inventory held by the distributor.
"The partnerships we form as a company are of paramount importance to Ohmite's continued success," said Greg Pace, v-p sales and marketing at Ohmite Manufacturing.
"Our collaboration with Mouser Electronics has greatly exceeded our expectations," added Pace.


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Manufacturer's Part Number: 176680RDG
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Tow Strap Material: Polyester
Length (ft): 30.00 ft.
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text:
Martin Allen is looking forward to Gillingham's fanbase growing as his side continue to sit at the top of the League Two table.
Gills are currently five points clear and on Saturday had a near full house of 8,500 at Priestfield.
With his team flying, Allen can only see more and more fans flooding in.
"We have a massive catchment area and the atmosphere when you are in here, in that technical area, is brilliant," Allen told the Kent Messenger.
"You can imagine what it's going to be like over the next few months when we get closer and closer to the special line. It's going to take off and it's going to be great.
"The supporters are the sales people if the players and our squad do our stuff week in, week out.
"They are the people in your shirt. And then they go to work. They tell the people at work and might go to the pub and tell them and on Sunday mornings the kids might tell their mates and at school they can be proud to be a Gillingham supporter."


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Burma sanctions should be model for Cuba embargo
(Read article summary)The byzantine Cuba embargo in many ways ties the US's hands, says guest blogger Anya Landau French, so maybe it's time to apply the Burma sanctions model – defend it or lose it – to Cuba.
Alfredo Sosa/The Christian Science Monitor
As a Cuba policy analyst, I've given a surprising amount of thought to our policy toward the politically isolated, resource-rich nation of Burma (Myanmar) half a world away.
That's because I used to work for Senator Max Baucus, who in 2003, working with Senators Mitch McConnell, Dianne Feinstein, and Chuck Grassley, helped pass smart sanctions against the Burmese Regime. At the time, Congressional supporters of Aung San Suu Kyi wanted to punish the regime for its crackdown on Suu Kyi and her supporters, but Mr. Baucus and Mr. Grassley made sure that the sanctions would not be open-ended. With this new sanctions model, Congress would continue to exercise real oversight over the impact of the sanctions and of the Executive's efforts to bring other nations on board. (Here's what Baucus had to say when the sanctions were renewed in 2007.)
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This product has been discontinued
First off, I got this mascara because TheMakeupChair on YouTube said it was her favorite, and I have to say, I do love this mascara! Especially the little brush thing because it gets every lash. For me, one coat is enough for a natural, but defining look. It really does volumize and kind of lengthens for my short lashes. It doesn't flake or clump! I would recommend to anyone!
At first I immediately fell in love with this mascara - it was lengthening and volumizing for the most part, and it didn't flake or smudge. The formula was wet enough that it didn't clump my lashes, but it wasn't sticky or gross. I am now reviewing this about a month later after I bought it, and I hate it now. The formula dried out so much that there is no even application, it flakes and smudges right away, my eyelashes are clumpy, and it is making my eyelashes fall out! Thankfully it wasn't too expensive, so I don't have to feel too guilty about throwing it out. I am so disappointed.
1 out of 1 people found this review helpful. Did you? Yes No
More reviews by rosethornrosevine
This mascara doesn't add curl or very much volume with one coat. After a few more coats there is a bit of curl and some volume, but it does start to clump.
However, if you curl your lashes, it's a different story.
If you use an eyelash curler and lass than 3 coats, this mascara looks amazing.
Side note: The packaging was of good quality, but after about two uses, the label on the tube completely rubbed away.
More reviews by SparklyMissSunshine
This is a pretty good mascara. The brush is completely unique, and I like the formula, though it's similar to that of other maybelline mascaras. This mascara gives great volume, and the length is substantial. However, after two coats it starts to clump immediately, which, while I expected this to happen, since the mascara claims to de-clump lashes, I don't completely agree with the packaging claims.
More reviews by Makeuploverxo10
I absolutely love this mascara!!!!! It gives such a natural finish :),i love this and it just lenghtens your lashes so much.Also for the price you cannot complain❤
Not a bad mascara but I just couldn't get over the smell. I had better luck with all the other Maybelline mascaras like the falsies.
Not too clumpy after a few coats
Brush is easy to work with (not too big)
Can't get over the smell
Doesn't really add volume
Not too wet but doesn't hold curl (non waterproof formula)
Smudges a bit but not too horribly
I bought the waterproof version, sadly it did not stay on for very long time. I really like how this mascara applies and looks on the eyelashes, it doesn't clump, and it leaves eyelashes thin and long. But, the reason why I am giving this product only two ratings out of 5 is because after several hours the mascara was sliding off and onto my under eyes making me look like a raccoon. Couple hours after whipping clean the blackness off of my under eyes, It happened again. Throughout the day I cleaned it off 4 times, i don't understand why it is happening with a waterproof mascara, because i've never had this problem with regular mascara.
I really like this mascara, this is the first one I ever purchased that didn't have the traditional brush. It took some adjustment to get used to the new applicator, but now I am fine with it. I have repurchased this several times, I have the 'brownish-black' shade. I use this on my upper lashes only, I use Clinique Lash Power on my bottom lashes. The reason for this is-- I like the 'pop' of the Maybelline on the uppers, while the staying power of Clinique doesn't smudge off on the bottom ones. An extra step I know, but my makeup has to last all day, and this works for me. Also, the Maybelline is a great value!
More reviews by makeuplover007
This is my favourite mascara! My mom gave it to me and I forgot about it, and then tried it on one day, and later on purchased a new tube. The packaging is super attractive, and the brush is amazing. It gives me super length, colour, and amazing eyelashes! It looks super natural with 1-2 coats and I applied 5 coats at a party one night, and it didn't even clump, flake, run or smudge then. Ultimate go to mascara! Great price and quality. And I also didn't notice a smell...


text: Food & Drink Sunday, May 4 Calcotada Apparently, in Catalonia, everybody freaks out about calcots—mild, spring onions grilled till a bit blackened, served up scraped into romesco sauce. Sounds nice, really, and apparently it was quite a feat for Viridian Farms to get hold of the appropriate seeds. Well, Foster's Craft Cooking and Viridian are having a party with oysters and Basque cakes and calcots ... More


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Monday night car break-in starts fire
Three teenagers admitted to breaking into nine vehicles and starting one on fire in and around the 8700 block of Ironwood Avenue in Cottage Grove Monday night, according to police.
The teens, all 16-year-olds entering their junior year at Park High School, said they tried to steal a radio from one of the vehicles, causing sparks to come from the wires, which then caused the car to start on fire, said Cottage Grove Police Capt. Pete Koerner.


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I love the fruit trees. It's the chestnut trees that annoy me, especially this time of year. The squirrels can't gather the nuts fast enough so I'm rollerskating down the sidewalk on chestnuts.
Best Answer
Planted 3 Saskatoon trees this year actually
Best Answer
Yes, as long as there are fruit bats to go with them!
Best Answer
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overwhelmed w/ electrical
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Re: overwhelmed w/ electrical
Originally Posted by
Great picture of the anchors Maine hanging in the splice
It's a great picture. You can do the same with a plastic tie wrap. Who wants to lay down and take a nice long nap under them? Nah. Me neither.
Originally Posted by
A lot of electrical equipment comes new with a short run of wire for example VHF. mascerator pump, diaphram pump etc usually has a 4 ft length of wire so you have a choice if your run is 15 ft to the back of the panel. You can properly butt splice the two wires which came with the unit meaning heating shrink as well or you can take all the wires off and run 2 continuous wires to the panel, except you have get to put the inline fuse and splice the positive side anyway.
Properly done as you said its just as good an install. I dont go out of my way to use them, but there are times when it only makes logical sense,
Totally agree. Just don't do a butt splice and then bundle thirty wires around it and then wrap it all up with electrical tape. Ten years later some poor schmoe who has no idea why he has intermittent power flickers will have no idea where to look.
I'm tapping out. It's crazy to continue arguing over butt splices of all things, so I'll stop. I am obviously in the minority here.
My whole intention of my original post was to warn a non-electrical Original Poster about the dangers of using butt splices. I stand by that. If nobody agrees then I'll just admit to being a crazy old coot. I'll just shake my cane at people who use them and say, "You'll be sorry, sonny! Maybe not today, or next week, but you'll be sorrrrrryyyyy!!!!"
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A subscription gives you:
Fertilizer Week is the one-stop source for all your fertilizer prices and related fertilizer market information needs.
Essential reading for Producers, Traders, Analysts, Consumers, Banks and Government Agencies, Fertilizer Week delivers breaking fertilizer news and daily round-ups on swaps, market movements, the people, projects and political shifts affecting global fertilizer prices and weekly price movements too. Along with energy prices, agricultural demand and freight rates, Fertilizer Week gives you all your essential information needs in one, easy-to-use place, the ultimate fertilizer market analysis tool to have.
Here's some detail of what the online service provides:
AS standard bulk FOB US Southern Plains granular Spot Urea granular bulk FOB China Spot Sulphur North Africa quarterly bulk CFR Contract
As well as the above, you can choose to customize your homepage, and choose which emails you receive from the service, as well nutrient specific and breaking news alerts you can also choose from:
New CRU fertilizer price and crop price indices
In February this year, we launched the first set of Fertilizer Week indices, bringing together an index for N, P, K and S prices and crop prices. CRU has published fertilizer price and crop price indices for some years but these are now being shared more widely for the first time.
The CRU price indices are based on CRU's price assessment expertise in the global fertilizer industry, coupled with a CRU view of the aggregate of crop prices. Prices are weighted by volume and presented on a nominal basis (not taking into account inflation).
CRU's price assessment, published every week as part of the Fertilizer Week online service, is based on transactions and information received from market participants active in the fertilizer market. We cover a wide range of the market, including producers, consumers and traders. The crop price index is based on wheat, corn, soyabeans and rice
NoteIndices are calculated based on weekly prices for each crop and each fertilizer product (see below) weighted by trade through the main price points. The overall fertilizer index and overall crop index are similarly trade-weighted.
Main price points:
For more information on our new online platform or for details on how to get the latest comodity market reports, please email email@example.com
The Ammonia Market Outlook provides extensive insight into the ammonia industry covering latest developments, price movements and current state of the global market.
Tampa Marriott Waterside Hotel, FL, USA


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Distance Within City Within 1 mile Within 2 miles Within 5 miles Within 10 miles Within 20 miles Sort by highest rated first most reviewed first best match closest first alphabetical order
"This place is fun and great atmosphere. It has outdoor porch to eat on in the summer, warm and cozy in the winter. Large wrap around bar with ..."
"When we stayed at Okemo Mountain, we were looking for a place to get pizza and Goodman's American Pie couldn't have been more convenient. Located right in the ..."
"Elegant dining, in a ski country atmosphere. The food is unbeatable. Don't miss this place."
"This Inn is tucked away, yet close to town. The atmosphere is quiet, romantic and lovely view. Close to a large lake in the summer, Okemo Mt ski ..."
"Apparently this is where the entire town congregates for a great breakfast. You know it is good, when everyone is there. They all know each other and talk ..."
"The lady who waited on me was very nice. She gave me a free cookie."
"If you want chicken, this is the place to go. They serve chicken in every possible way... Buffalo, Parmigiana, Fried, Roasted, Soup, Salad... A must go-to for the ..."
"Don't let the exterior fool you! The food is amazing at this little restaurant in the heart of Weston. Fresh breads, great salads and soup to die for. ..."
"Father's Restaurant is more like a family diner. They serve home cooked meals in hearty servings at really low prices. Everything is fresh. Most people are local to ..."
"Wicked Good is "wicked good" after a long day of skiing at Okemo. They offer a relaxed atmosphere for apres-ski and their pizza hits the spot after a ..."


text:
Shared Tutorials
Tutorials Shared by the Internet Community
Top Tutorials | New Tutorials | Submit | Login | Register |
Tutorial Basic Detail
Retrieving variables from application object
When you have used Application Object, all ASP pages can store and retrieve information.http://www.devtutorials.info/article/6_Storing_and_retrieving_variables_from__application_object.asp
Total Hits: 17923
Total Votes: 148 votes
Average Rating: 3.82 out of 5
Category: ASP/Cookies and Sessions
In this tutorial, we will take a look at Application Object. When you've used Application Object, all ASP pages can store and retrieve information. The information in Application Object stored in server and all ASP pages can access the information. The main diffrences between Session Object and Application Object is Application Object stores information in server memory.Example:
Let's store some information:
Application("SiteName") = "Developer Tutorials"
Let's retrieve information from object :
SiteName = Application("SiteName")
When we need to use Application Object:
Common usage of Application Object is to share information in all sessions. As we have examined in our sample code,
we put our site name in an oapplication object named as SiteName and shared it all pages calling our SiteName object.
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What does BRDH mean in Internet?
This page is about the meanings of the acronym/abbreviation/shorthand BRDH in the field in general and in the Internet terminology in particular.
Find a translation for BRDH in other languages:
Select another language:
Discuss this BRDH abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"BRDH." Abbreviations.com. STANDS4 LLC, 2015. Web. 5 Mar. 2015. <http://www.abbreviations.com/term/372223>.
BRDH also stands for:
- Back River Dandy Haven
- Bar Restaurant Du Havre
- Bellinger River District Hospital
- Blog Ruhunu Diriltme Hareketi
... see them all »
Nearby & related abbreviations:
Alternative search:
- Search Business Ready Dedicated Hosting on Amazon
- Search Business Ready Dedicated Hosting on Google


text:
Researchers from the University of Michigan Comprehensive Cancer Center have identified new proteins that control the function of critical immune cell subsets called T-cells, which are responsible for a serious and often deadly side effect of lifesaving bone marrow transplants.
News Archive
Date: 10/31/2013
Date: 10/23/2013
Eric Fearon among 3 U-M faculty members in this year's class.
Date: 10/15/2013
Adrenal cancer researchers at the University of Michigan Comprehensive Cancer Center are seeing the results of their laboratory studies translate to a clinical trial to test a potential new therapy in patients.
Date: 10/10/2013
Net proceeds from 20th annual "FFANY Shoes on Sale" charitable shoe sale to support breast cancer research, education nationwide.
Date: 10/08/2013
Ann Arbor-area residents have one last opportunity to join the movement to create a world with less cancer and more birthdays by participating in Cancer Prevention Study-3 (CPS-3), a historic study that has the potential to change the face of cancer for future generations.
Date: 10/07/2013
About a quarter of women experience moderate to severe pain for many years after their treatment ends. In many cases, it's a type of pain that is challenging to treat, with few or no effective options.
Date: 10/02/2013
Wolverines and Detroiters walk the runway Oct. 18 to support breast cancer research at the University of Michigan.
Date: 10/02/2013
A microfluidic chip developed at the University of Michigan is among the best at capturing elusive circulating tumor cells from blood -- and it can support the cells' growth for further analysis.
Date: 09/25/2013
The University of Michigan Health System has begun offering a new urine test called Mi-Prostate Score to improve on PSA screening for prostate cancer. The test incorporates three specific markers that could indicate cancer and studies have shown that the combination is far more accurate than PSA alone.
Date: 09/23/2013
Recent studies have suggested that an informed patient will be less likely to choose a more-extensive treatment than what the doctor recommends but a recent study by University of Michigan Comprehensive Cancer Cetner researchers have found that's not necessarily the case.


text: Founded at Hiltrup, Germany, in 1899, by Reverend Hubert Linckens, to assist the Missionaries of the Sacred Heart in their special field of labor, the South Sea Islands. Later, their activities became more numerous and varied. The Congregation in the United States is recognized under the official title, "Mission Workers of the Sacred Heart." The order has 85 houses, including schools, hospitals, homes for aged, correction bomes, orphanages, and other institutions, in the United States, Germany, Oceania, Africa, and Australia. The mother-house is at Reading, Pennsylvania.New Catholic Dictionary


text:
Wealth and Inequality: Asset Development and Poverty Reduction Policies in the U.S.
URPL-GP.4622, 2 points.
Semester: Fall
Financial assets underpin the economic fabric of the U.S. Households' ability to accumulate wealth is a function of income, private financial products and services, and public policy. This course will examine how the accumulation of such assets - namely land, homes, investments - is stimulated and shaped by government intervention. From tax and policy to banking regulation, poverty alleviation programs to discrimination laws, the U.S. government has historically played a critical role in promoting wealth among some groups and excluding others from such privilege.
The course will review new strategies supported by foundations, community practitioners, financial institutions and policymakers for expanding this country's successful wealth-formation vehicles - such as individual development accounts and
life-long savings accounts. At the same time, the course will consider how effective public policy must understand the limitations of such innovations, considering factors undermining asset formation such as predatory lending, consumer psychology and financial product availability. The course, which is designed to be participatory and interactive, will conclude with students conceptualizing their own assets policies.
CORE-GP 1022 or URPL-GP 1603
Semester | Instructor | Syllabus Link |
Fall 2011 | Caitlyn T Brazill | Syllabus |
Semester | Instructor | Evaluation Link |
Fall 2011 | Brazill, Caitlyn | Evaluation |


text:
CW12 Directory ResourceListing Details
Title: | Graphic Design Company India, Graphics India, Brochure Catalogue Logo Banner Poster Design India |
URL: | http://www.outsourcewebdesign.net/graphic-design-india.html |
Category: | Computers & Internet: Desktop Customization |
Description: | The company offers corporate identity design services (logo, brochures, catalogs, banner, poster, etc), affordable offshore website design and development, web solution services, e-commerce web design and software development along with friendly customer service at great rates. |
Meta Keywords: | Graphic Design Company India, Website Development India, India Website Development, Web Designer India, Website Design Company, Web Development Company India. |
Meta Description: | Outsource web design is a leading graphic designer India who also offers website development, flash director multimedia solutions, 2d/3d animation, customised software development, print advertisment, educational cd devlopment, application developmen |
Link Owner: | Stalone |
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Pagerank: | N/A |