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VIEWS: 7 PAGES: 11 CATEGORY: Prospectus POSTED ON: 2/20/2013
Free Writing Prospectus Filed Pursuant to Rule 433 (To the Prospectus, the Prospectus Supplement, and the Product Prospectus Registration No. 333-171806 Supplement, each dated January 28, 2011) February 20, 2013 $ Buffered Return Notes due February 25, 2015 Linked to the S&P 500 ® Index Royal Bank of Canada Senior Global Medium-Term Notes, Series E General The Notes are designed for investors who seek a return equal to 100% the appreciation of the S&P 500 ® Index, up to a maximum return on the Notes at maturity. Investors should be willing to forgo interest and dividend payments and, if the Index declines by more than 10%, be willing to lose some or all of their principal. Senior unsecured obligations of Royal Bank of Canada maturing February 25, 2015. (a) Minimum denominations of $10,000 and integral multiples of $1,000 in excess thereof. The Notes are expected to price on or about February 20, 2013 (b) (the "pricing date") and are expected to issue on or about February 25, 2013 (b) (the "issue date"). Key Terms Terms used in this free writing prospectus, but not defined herein, shall have the meanings ascribed to them in the product prospectus supplement. Issuer: Royal Bank of Canada Reference Asset: S&P 500 ® Index (the "Index"; Bloomberg ticker symbol "SPX <Index>") Leverage Factor: 1 Maximum Return: The actual maximum return on the Notes will be set on the pricing date, and will not be less than 55.00%. Payment at Maturity: If the Percentage Change is greater than 0%, you will receive a cash payment that provides you with a return per $1,000 in principal amount of the Notes equal to the Percentage Change multiplied by the Leverage Factor, subject to the maximum return on the Notes. Accordingly, if the Percentage Change is positive, your payment per $1,000 in principal amount of the Notes will be calculated as follows, subject to the maximum return: $1,000 + [$1,000 x (Percentage Change x 1)] If the Percentage Change is equal to or less than 0% and greater than or equal to -10%, you will receive the principal amount of your Notes at maturity. If the Percentage Change is less than -10%, you will lose 1.1111% of the principal amount of your Notes for every 1% that the Final Level declines from the Initial Level by more than 10%. Accordingly, your payment per $1,000 in principal amount of the Notes will be calculated as follows: $1,000 + [$1,000 x (Percentage Change + 10%) x 1.1111] If the Final Level declines from the Initial Level by more than 10%, you will lose 1.1111% of the principal amount of your Notes for every 1% that the Percentage Change is less than -10%. Any payment on the Notes, including any repayment of principal, is subject to the creditworthiness of the Issuer and is not guaranteed by any third party. For a description of risks with respect to the ability of Royal Bank of Canada to satisfy its obligations as they come due, see "Selected Risk Considerations—Credit of Issuer" in this free writing prospectus. Buffer Percentage: 10% Downside Multiplier: 1.1111 Percentage Change: The performance of the Index from the Initial Level to the Final Level, calculated as follows: Final Level – Initial Level Initial Level Initial Level: [ ], the closing level of the Index on the pricing date. Final Level: The closing level of the Index on the valuation date. Valuation Date: February 20, 2015 (b) Maturity Date: February 25, 2015 (b) Calculation Agent: RBC Capital Markets, LLC CUSIP/ISIN: 78008SZW9/US78008SZW96 (a) Subject to postponement if a market disruption event occurs, as described under "General Terms of the Notes—Market Disruption Events" in the product prospectus supplement. (b) Expected. In the event we make any change to the expected pricing date and issue date, the final valuation date and the maturity date will be changed so that the stated term of the Notes remains the same. Investing in the Notes involves a number of risks. See "Additional Risk Factors Specific to the Notes" beginning on page PS-4 of the product prospectus supplement, "Risk Factors" beginning on page 1 of the prospectus supplement and the prospectus and "Selected Risk Considerations" beginning on page FWP-4 of this free writing prospectus. The Notes will not be listed on any U.S. securities exchange or quotation system. Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined that this free writing prospectus is truthful or complete. Any representation to the contrary is a criminal offense. The Notes will not constitute deposits insured by the Canada Deposit Insurance Corporation, the U.S. Federal Deposit Insurance Corporation or any other Canadian or U.S. government agency or instrumentality. Price to Public Underwriting Commission Proceeds to Royal Bank of Canada Per Note 100% 1.50% 98.50% Total $ $ $ RBC Capital Markets, LLC JPMorgan Placement Agent Royal Bank of Canada has filed a registration statement (including a product prospectus supplement, a prospectus supplement, and a prospectus) with the SEC for the offering to which this free writing prospectus relates. Before you invest, you should read those documents and the other documents relating to this offering that we have filed with the SEC for more complete information about us and this offering. You may obtain these documents without cost by visiting EDGAR on the SEC Website at www.sec.gov. Alternatively, Royal Bank of Canada, any agent or any dealer participating in this offering will arrange to send you the product prospectus supplement, the prospectus supplement and the prospectus if you so request by calling toll-free at 1-866-609-6009. You may revoke your offer to purchase the Notes at any time prior to the pricing as described on the cover of this free writing prospectus. We reserve the right to change the terms of, or reject any offer to purchase the Notes prior to their issuance. In the event of any changes to the terms of the Notes, we will notify you and you will be asked to accept such changes in connection with your purchase. You may also choose to reject such changes, in which case we may reject your offer to purchase. ADDITIONAL TERMS OF THE NOTES You should read this free writing prospectus together with the prospectus dated January 28, 2011, as supplemented by the prospectus supplement dated January 28, 2011 and the product prospectus supplement dated January 28, 2011, relating to our Senior Global Medium-Term Notes, Series E, of which these Notes are a part. Capitalized terms used but not defined in this free writing prospectus will have the meanings given to them in the product prospectus supplement. In the event of any conflict, this free writing prospectus will control. You should read this free writing prospectus carefully. This free writing prospectus, together with the documents listed below, contains the terms of the Notes and supersedes all prior or contemporaneous oral statements as well as any other written materials including preliminary or indicative pricing terms, correspondence, trade ideas, structures for implementation, sample structures, brochures or other educational materials of ours. You should carefully consider, among other things, the matters set forth in "Risk Factors" in the prospectus supplement dated January 28, 2011 and "Additional Risk Factors Specific to the Notes" in the product prospectus supplement dated January 28, 2011, as the Notes involve risks not associated with conventional debt securities. We urge you to consult your investment, legal, tax, accounting and other advisors before you invest in the Notes. You may access these documents on the Securities and Exchange Commission (the "SEC") website at www.sec.gov as follows (or if that address has changed, by reviewing our filings for the relevant date on the SEC website): Prospectus dated January 28, 2011: http://www.sec.gov/Archives/edgar/data/1000275/000121465911000309/f127115424b3.htm Prospectus Supplement dated January 28, 2011: http://www.sec.gov/Archives/edgar/data/1000275/000121465911000311/m127114424b3.htm Product Prospectus Supplement ERN-EI-1 dated January 28, 2011: http://www.sec.gov/Archives/edgar/data/1000275/000121465911000380/m22111424b5.htm Our Central Index Key, or CIK, on the SEC website is 1000275. As used in this free writing prospectus, the "Company," "Royal Bank", "we," "us," or "our" refers to Royal Bank of Canada. FWP-1 What is the Total Return on the Notes at Maturity Assuming a Range of Performance for the Index? The following table illustrates the hypothetical total return at maturity on the Notes. The "total return," as used in this free writing prospectus, is the number, expressed as a percentage, that results from comparing the payment at maturity per $1,000 in principal amount of the Notes to $1,000. The hypothetical total returns and examples set forth below assume an Initial Level of 1,500.00, a maximum return on the Notes of 55.00%, and the Final Levels as set forth below. The actual Initial Level and the actual maximum return will be determined on the pricing date, and the actual Final Level will be determined based on the closing level of the Index on the valuation date. The hypothetical total returns and examples set forth below are for illustrative purposes only and may not be the actual total returns applicable to a purchaser of the Notes. The numbers appearing in the following table and examples have been rounded for ease of analysis. The examples below do not take into account any tax consequences from investing in the Notes. Total Return on the Final Level Percentage Change Payment at Maturity Notes 2,550.00 70.00% $1,550.00 55.00% 2,400.00 60.00% $1,550.00 55.00% 2,325.00 55.00% $1,550.00 55.00% 2,100.00 40.00% $1,400.00 40.00% 1,950.00 30.00% $1,300.00 30.00% 1,800.00 20.00% $1,200.00 20.00% 1,725.00 15.00% $1,150.00 15.00% 1,650.00 10.00% $1,100.00 10.00% 1,500.00 0.00% $1,000.00 0.00% 1,425.00 -5.00% $1,000.00 0.00% 1,350.00 -10.00% $1,000.00 0.00% 1,275.00 -15.00% $944.45 -5.56% 1,200.00 -20.00% $888.89 -11.11% 1,050.00 -30.00% $777.78 -22.22% 900.00 -40.00% $666.67 -33.33% 750.00 -50.00% $555.56 -44.44% 600.00 -60.00% $444.45 -55.56% 450.00 -70.00% $333.34 -66.67% 300.00 -80.00% $222.23 -77.78% 150.00 -90.00% $111.12 -88.89% 0.00 -100.00% $0.00 -100.00% Hypothetical Examples of Amounts Payable at Maturity The following examples illustrate how the total returns set forth in the table above are calculated. Example 1: The level of the Index increases from an Initial Level of 1,500.00 to a Final Level of 2,400.00, resulting in a Percentage Change of 60.00%. Because the Percentage Change of 60.00% exceeds the maximum return of 55.00%, the investor receives a payment at maturity of $1,550.00 per $1,000 in principal amount of the Notes, which is the maximum payment on the Notes. Example 2: The level of the Index increases from an Initial Level of 1,500.00 to a Final Level of 1,650.00, resulting in a Percentage Change of 10.00%. Because the Percentage Change is greater than 0% and when multiplied by the upside leverage factor does not exceed the maximum return of 55.00%, the investor receives a payment at maturity of $1,100.00 per $1,000 in principal amount of the Notes, calculated as follows: $1,000 + [$1,000 x (10.00% x 1)] = $1,100.00 FWP-2 Example 3: The level of the Index decreases from the Initial Level of 1,400.00 to a Final Level of 1,425.00, resulting in a Percentage Change of -5.00%. Because the Percentage Change is equal to or less than 0% and greater than or equal to -10%, the investor will receive a payment at maturity of $1,000 per $1,000 in principal amount of the Notes. Example 4: The level of the Index decreases from the Initial Level of 1,400.00 to a Final Level of 1,050.00, resulting in a Percentage Change of -30.00%. Because the Percentage Change is less than -10%, the investor will receive a payment at maturity of $777.78 per $1,000 in principal amount of the Notes, calculated as follows: $1,000 + [$1,000 x (-30% + 10%) x 1.1111] = $777.78 FWP-3 Selected Purchase Considerations Appreciation Potential —The Notes provide the opportunity to receive a return determined by multiplying a positive Percentage Change by the leverage factor, up to the maximum return on the Notes. The actual maximum return on the Notes will be set on the pricing date and will not be less than 55.00%. Limited Protection Against Loss —Payment at maturity of the principal amount of the Notes is protected against a decline in the Final Level, as compared to the initial level, of up to 10%. If the Final Level declines from the Initial Level by more than 10%, you will lose an amount equal to 1.1111% of the principal amount of your Notes for every 1% that the Percentage Change is less than -10%. Because the Notes are our senior unsecured obligations, payment of any amount at maturity is subject to our ability to pay our obligations as they become due and is not guaranteed by any third party. For a description of the risks with respect to the credit of Royal Bank of Canada, see "Selected Risk Considerations—Credit of Issuer" in this free writing prospectus. Selected Risk Considerations An investment in the Notes involves significant risks. Investing in the Notes is not equivalent to investing directly in the Index. These risks are explained in more detail in the section "Additional Risk Factors Specific to the Notes," beginning on page PS-4 of the product prospectus supplement. In addition to the risks described in the prospectus supplement and the product prospectus supplement, you should consider the following: Principal at Risk – Investors in the Notes could lose a substantial portion of their principal amount if there is a decline in the level of the Index. You will lose 1.1111% of the principal amount of your Notes for each 1% that the Final Level is less than the Initial Level by more than 10%. The Notes Do Not Pay Interest and Your Return May Be Lower than the Return on a Conventional Debt Security of Comparable Maturity – There will be no periodic interest payments on the Notes as there would be on a conventional fixed-rate or floating-rate debt security having the same maturity. The return that you will receive on the Notes, which could be negative, may be less than the return you could earn on other investments. Even if your return is positive, your return may be less than the return you would earn if you bought a conventional senior interest bearing debt security of Royal Bank. Your Potential Payment at Maturity Is Limited – The Notes will provide less opportunity to participate in the appreciation of the Index than an investment in a security linked to the Index providing full participation in the appreciation, because the payment at maturity will not exceed the maximum payment amount. Accordingly, your return on the Notes may be less than your return would be if you made an investment in a security directly linked to the positive performance of the Index. Credit of Issuer – The Notes are Royal Bank's senior unsecured debt securities. As a result, your receipt of the amount due on the maturity date is dependent upon Royal Bank's ability to repay its obligations at that time. This will be the case even if the level of the Index increases after the pricing date. No assurance can be given as to what our financial condition will be at the maturity of the Notes. There May Not Be an Active Trading Market for the Notes—Sales in the Secondary Market May Result in Significant Losses – There may be little or no secondary market for the Notes. The Notes will not be listed on any securities exchange. RBCCM and other affiliates of Royal Bank may make a market for the Notes; however, they are not required to do so. RBCCM or any other affiliate of Royal Bank may stop any market-making activities at any time. Even if a secondary market for the Notes develops, it may not provide significant liquidity or trade at prices advantageous to you. We expect that transaction costs in any secondary market would be high. As a result, the difference between bid and asked prices for your Notes in any secondary market could be substantial. You Will Not Have Any Rights to the Securities Included in the Index – As a holder of the Notes, you will not have voting rights or rights to receive cash dividends or other distributions or other rights that holders of securities included in the Index would have. FWP-4 The Inclusion in the Purchase Price of the Notes of the underwriting discount and of Royal Bank's Cost of Hedging its Market Risk under the Notes Will Adversely Affect the Value of the Notes Prior to Maturity – The price at which you purchase of the Notes includes the underwriting discount (including a broker's commission), as well as the costs that Royal Bank (or one of its affiliates) expects to incur in the hedging of its market risk under the Notes. Such hedging costs include the expected cost of undertaking this hedge, as well as the profit that Royal Bank (or its affiliates) expects to realize in consideration for assuming the risks inherent in providing such hedge. As a result, assuming no change in market conditions or any other relevant factors, the price, if any, at which you may be able to sell your Notes prior to maturity may be less than the principal amount. The Notes are not designed to be short-term trading instruments. Accordingly, you should be able and willing to hold your Notes to maturity. Market Disruption Events and Adjustments – The payment at maturity and the valuation date are subject to adjustment as described in the product prospectus supplement. For a description of what constitutes a market disruption event as well as the consequences of that market disruption event, see "General Terms of the Notes—Market Disruption Events" in the product prospectus supplement. FWP-5 Historical Information The following graph sets forth the historical performance of the Index based on the daily closing levels from January 2, 2002 through February 19, 2013. The closing level of the Index on February 19, 2013 was 1,530.94. We obtained the Index closing levels below from Bloomberg L.P. We have not independently verified the accuracy or completeness of the information obtained from Bloomberg L.P. The historical levels of the Index should not be taken as an indication of future performance, and no assurance can be given as to the Final Level on the valuation date. We cannot give you assurance that the performance of the Index will result in the return of any of your initial investment. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. All disclosures contained in this free writing prospectus regarding the Index, including, without limitation, its make-up, method of calculation, and changes in its components, have been derived from publicly available sources. The information reflects the policies of, and is subject to change by, S&P Dow Jones Indices LLC ("S&P"). S&P, which owns the copyright and all other rights to the Index, has no obligation to continue to publish, and may discontinue publication of, the Index. The consequences of S&P discontinuing publication of the Index are discussed in the section of the product prospectus supplement entitled "General Terms of the Notes—Unavailability of the Level of the Index on a Valuation Date." Neither we nor RBCCM accepts any responsibility for the calculation, maintenance or publication of the Index or any successor index. The Index is intended to provide an indication of the pattern of common stock price movement. The calculation of the level of the Index is based on the relative value of the aggregate market value of the common stocks of 500 companies as of a particular time compared to the aggregate average market value of the common stocks of 500 similar companies during the base period of the years 1941 through 1943. On February 19, 2013, the average market capitalization of the companies included in the Index was $27.37 billion. As of that date, the largest component of the Index had a market capitalization of $432.71 billion, and the smallest component of the Index had a market capitalization of $1.71 billion. S&P chooses companies for inclusion in the Index with the aim of achieving a distribution by broad industry groupings that approximates the distribution of these groupings in the common stock population of its Stock Guide Database of over 10,000 companies, which S&P uses as an assumed model for the composition of the total market. Relevant criteria employed by S&P include the viability of the particular company, the extent to which that company represents the industry group to which it is assigned, the extent to which the market price of that company's common stock generally is responsive to changes in the affairs of the respective industry, and the market value and trading activity of the common stock of that company. Ten main groups of companies comprise the Index, with the approximate percentage of the market capitalization of the Index included in each group as of February 19, 2013, indicated in parentheses: Consumer Discretionary (11.47%); Consumer Staples (10.74%); Energy (11.19%); Financials (15.96%); Health Care (12.21%); Industrials (10.29%); Information Technology (18.32%); Materials (3.50%); Telecommunication Services (2.93%); and Utilities (3.37%). S&P from time to time, in its sole discretion, may add companies to, or delete companies from, the Index to achieve the objectives stated above. FWP-6 S&P calculates the Index by reference to the prices of the constituent stocks of the Index without taking account of the value of dividends paid on those stocks. As a result, the return on the Notes will not reflect the return you would realize if you actually owned the Index constituent stocks and received the dividends paid on those stocks. Computation of the Index While S&P currently employs the following methodology to calculate the Index, no assurance can be given that S&P will not modify or change this methodology in a manner that may affect the Payment at Maturity. Historically, the market value of any component stock of the Index was calculated as the product of the market price per share and the number of then outstanding shares of such component stock. In March 2005, S&P began shifting the Index halfway from a market capitalization weighted formula to a float-adjusted formula, before moving the Index to full float adjustment on September 16, 2005. S&P's criteria for selecting stocks for the Index did not change with the shift to float adjustment. However, the adjustment affects each company's weight in the Index. Under float adjustment, the share counts used in calculating the Index reflect only those shares that are available to investors, not all of a company's outstanding shares. Float adjustment excludes shares that are closely held by control groups, other publicly traded companies or government agencies. In September 2012, all shareholdings representing more than 5% of a stock's outstanding shares, other than holdings by "block owners," were removed from the float for purposes of calculating the Index. Generally, these "control holders" will include officers and directors, private equity, venture capital and special equity firms, other publicly traded companies that hold shares for control, strategic partners, holders of restricted shares, ESOPs, employee and family trusts, foundations associated with the company, holders of unlisted share classes of stock, government entities at all levels (other than government retirement/pension funds) and any individual person who controls a 5% or greater stake in a company as reported in regulatory filings. However, holdings by block owners, such as depositary banks, pension funds, mutual funds and ETF providers, 401(k) plans of the company, government retirement/pension funds, investment funds of insurance companies, asset managers and investment funds, independent foundations and savings and investment plans, will ordinarily be considered part of the float. Treasury stock, stock options, restricted shares, equity participation units, warrants, preferred stock, convertible stock, and rights are not part of the float. Shares held in a trust to allow investors in countries outside the country of domicile, such as depositary shares and Canadian exchangeable shares are normally part of the float unless those shares form a control block. If a company has multiple classes of stock outstanding, shares in an unlisted or non-traded class are treated as a control block. For each stock, an investable weight factor ("IWF") is calculated by dividing the available float shares by the total shares outstanding. As of September 21, 2012, available float shares are defined as the total shares outstanding less shares held by control holders. This calculation is subject to a 5% minimum threshold for control blocks. For example, if a company's officers and directors hold 3% of the company's shares, and no other control group holds 5% of the company's shares, S&P would assign that company an IWF of 1.00, as no control group meets the 5% threshold. However, if a company's officers and directors hold 3% of the company's shares and another control group holds 20% of the company's shares, S&P would assign an IWF of 0.77, reflecting the fact that 23% of the company's outstanding shares are considered to be held for control. For companies with multiple classes of stock, S&P calculates the weighted average IWF for each stock using the proportion of the total company market capitalization of each share class as weights. The Index is calculated using a base-weighted aggregate methodology. The level of the Index reflects the total market value of all 500 component stocks relative to the base period of the years 1941 through 1943. An indexed number is used to represent the results of this calculation in order to make the level easier to use and track over time. The actual total market value of the component stocks during the base period of the years 1941 through 1943 has been set to an indexed level of 10. This is often indicated by the notation 1941-43 = 10. In practice, the daily calculation of the Index is computed by dividing the total market value of the component stocks by the "index divisor." By itself, the index divisor is an arbitrary number. However, in the context of the calculation of the Index, it serves as a link to the original base period level of the Index. The index divisor keeps the Index comparable over time and is the manipulation point for all adjustments to the Index, which is index maintenance. FWP-7 Index Maintenance Index maintenance includes monitoring and completing the adjustments for company additions and deletions, share changes, stock splits, stock dividends, and stock price adjustments due to company restructuring or spinoffs. Some corporate actions, such as stock splits and stock dividends, require changes in the common shares outstanding and the stock prices of the companies in the Index, and do not require index divisor adjustments. To prevent the level of the Index from changing due to corporate actions, corporate actions which affect the total market value of the Index require an index divisor adjustment. By adjusting the index divisor for the change in market value, the level of the Index remains constant and does not reflect the corporate actions of individual companies in the Index. Index divisor adjustments are made after the close of trading and after the calculation of the Index closing level. Changes in a company's shares outstanding of 5.00% or more due to mergers, acquisitions, public offerings, tender offers, Dutch auctions, or exchange offers are made as soon as reasonably possible. All other changes of 5.00% or more (due to, for example, company stock repurchases, private placements, redemptions, exercise of options, warrants, conversion of preferred stock, notes, debt, equity participation units, at the market offerings, or other recapitalizations) are made weekly and are announced on Wednesdays for implementation after the close of trading on the following Wednesday. Changes of less than 5.00% due to a company's acquisition of another company in the Index are made as soon as reasonably possible. All other changes of less than 5.00% are accumulated and made quarterly on the third Friday of March, June, September, and December, and are usually announced two to five days prior. Changes in IWFs of more than five percentage points caused by corporate actions (such as merger and acquisition activity, restructurings, or spinoffs) will be made as soon as reasonably possible. Other changes in IWFs will be made annually when IWFs are reviewed. License Agreement S&P ® is a registered trademark of Standard & Poor's Financial Services LLC and Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). These trademarks have been licensed for use by S&P Dow Jones Indices LLC. "Standard & Poor's ® ", "S&P 500 ® " and "S&P ® " are trademarks of Standard & Poor's Financial Services LLC. These trademarks have been sublicensed for certain purposes by us. The Index is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by us. The Notes are not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, Standard & Poor's Financial Services LLC or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices make no representation or warranty, express or implied, to the holders of the Notes or any member of the public regarding the advisability of investing in securities generally or in the Notes particularly or the ability of the Index to track general market performance. S&P Dow Jones Indices' only relationship to us with respect to the Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its third party licensors. The Index is determined, composed and calculated by S&P Dow Jones Indices without regard to us or the Notes. S&P Dow Jones Indices have no obligation to take our needs or the needs of holders of the Notes into consideration in determining, composing or calculating the Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the Notes or the timing of the issuance or sale of the Notes or in the determination or calculation of the equation by which the Notes are to be converted into cash. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the Notes. There is no assurance that investment products based on the Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC and its subsidiaries are not investment advisors. Inclusion of a security or futures contract within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security or futures contract, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to the Notes currently being issued by us, but which may be similar to and competitive with the Notes. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the Index. It is possible that this trading activity will affect the value of the Notes. FWP-8 S&P DOW JONES INDICES DO NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY US, HOLDERS OF THE NOTES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND US, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES. FWP-9 Supplemental Plan of Distribution J.P. Morgan Securities LLC will act as placement agent for the Notes and will receive a fee from us or one of our affiliates of $15 per $1,000 in principal amount of the Notes. J.P. Morgan Securities LLC may act on behalf of an affiliate and may reallow all or a portion of fees received in connection with the distribution of the Notes to such affiliate. We expect that delivery of the Notes will be made against payment for the Notes on or about February 25, 2013, which is the third business day following the pricing date (this settlement cycle being referred to as "T+3"). In addition, RBCCM or another of its affiliates or agents may use this document in market-making transactions after the initial sale of the Notes, but is under no obligation to do so and may discontinue any market-making activities at any time without notice. U.S. Federal Tax Consequences By purchasing a Note, each holder agrees (in the absence of a change in law, an administrative determination or a judicial ruling to the contrary) to treat the Note as a pre-paid cash-settled derivative contract for U.S. federal income tax purposes. However, the U.S. federal income tax consequences of your investment in the Notes are uncertain and the Internal Revenue Service could assert that the Notes should be taxed in a manner that is different from that described in the preceding sentence. Please see the discussion (including the opinion of our counsel Morrison & Foerster LLP) in the product prospectus supplement dated January 28, 2011 under "Supplemental Discussion of U.S. Federal Income Tax Consequences," which applies to the Notes and is further supplemented by the following summary. A "dividend equivalent" payment is treated as a dividend from sources within the U.S. and such payments generally would be subject to a 30% U.S. withholding tax if paid to a non-U.S. holder (as defined in the product prospectus supplement). Under proposed U.S. Treasury Department regulations, certain payments that are contingent upon or determined by reference to U.S. source dividends, including payments reflecting adjustments for extraordinary dividends, with respect to equity-linked instruments, including the Notes, may be treated as dividend equivalents. If enacted in their current form, the regulations will impose a withholding tax on payments made on the Notes on or after January 1, 2014 that are treated as dividend equivalents. In that case, we (or the applicable paying agent) would be entitled to withhold taxes without being required to pay any additional amounts with respect to amounts so withheld. Further, non-U.S. holders may be required to provide certifications prior to, or upon the sale, redemption or maturity of the Notes in order to minimize or avoid U.S. withholding taxes. The Internal Revenue Service has issued notices and the Treasury Department has issued final regulations affecting the legislation enacted on March 18, 2010 and discussed in the product prospectus supplement under "Supplemental Discussion of U.S. Federal Income Tax Consequences — Supplemental U.S. Tax Considerations—Legislation Affecting Taxation of Notes Held By or Through Foreign Entities." Pursuant to the final regulations, withholding requirements with respect to payments made on the Notes will generally begin no earlier than January 1, 2014, and the withholding tax will not be imposed on payments pursuant to obligations outstanding on January 1, 2014. Account holders subject to information reporting requirements pursuant to the legislation may include holders of the Notes. Holders are urged to consult their own tax advisors regarding the implications of this legislation and subsequent guidance on their investment in the Notes. FWP-10
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Winnipeg Free Press - PRINT EDITION
Manitoba public schools infected by cost disease
William Baumol, professor emeritus of economics at Princeton University, is the author of The Cost Disease, a book all policy-makers should study.
Building on 40 years of research, Baumol argues the cost of social services, health care and education is "condemned" to increase faster than inflation because the number of people providing and using the services cannot be reduced easily. Unfortunately, they can be expanded easily.
In public services, administrators are normally expected to spend all the money they receive and then try to get more money for an unlimited list of projects that will supposedly enhance the quality of citizens' lives.
The table at right presents evidence for Manitoba public schools from 1999 to 2010. Over this 11-year period, public school enrolment in Manitoba fell by almost 10 per cent to 177,679 students from 197,067, but the number of educators increased by 10 per cent to 14,433 from 13,114.
Meanwhile, the cost of educating students in these schools increased by a whopping 60 per cent to $2.26 billion from $1.41 billion while the consumer price index (CPI) increased by a modest 25 per cent. The increase in cost per student is even more dramatic, increasing by almost 78 per cent to $12,704 from $7,155, three times the increase in CPI.
The cost disease has seen increasingly more resources flow into half-empty schools, fewer students in classrooms, expanded bureaucracies and higher salaries for administrators and teachers. If the cost of educating students had been held to the increase in CPI, there would be a savings of more than $661 million in 2010-11 alone, which is much more than all the school taxes paid by provincial property owners.
School division administrators claim students have benefited from lower student-teacher ratios, better facilities, more divisional administrators and teachers with higher salaries.
But, they have not provided evidence to support their claim.
Rethinking the way education is funded (and administered) in Manitoba is overdue. There is a pressing need to lower taxes and improve students' educational achievement so Manitoba can compete successfully with Saskatchewan and Alberta.
For starters, Manitoba should stop using municipal taxes to fund public schools. Most provinces have already stopped raising money from property taxes.
After that, Manitoba should tie spending directly to demand by using vouchers so parents could send their children to any public or independent school.
Higher enrolments would automatically mean larger budgets for schools, and lower enrolments would mean smaller budgets.
These two policies would constrain spending in the face of declining enrolments.
They would also eliminate the unfair double burden placed on the increasing number of parents who are sending their children to alternative schools.
At present, these parents effectively pay twice -- first, when they pay private school fees and then when they pay both provincial and municipal taxes supporting public schools that do not meet their children's needs.
Consumer-controlled funding would also eliminate a large swath of public-school bureaucracy that has absorbed considerable resources. They would turn schools away from maximizing spending on peripherals and force them to focus on objective, measurable outputs, those that are essential for creating informed, enlightened and employable citizens.
As a result, we would get a much slimmer provincial education department and more cost-efficient school boards that focus on teaching and learning.
Of course, students would be tested and the results would be published so excellent schools attract more students and low-performing schools wither and close. Schools would be free to experiment with different teaching strategies, but they would need to deal with the consequences, positive or negative.
These changes would save considerable money, making schools much more responsible to the needs of students, parents and taxpayers. Manitoba's cost disease in public education cannot continue.
Rodney A. Clifton is a senior fellow at the Frontier Centre for Public Policy and a professor emeritus at St. John's College, University of Manitoba.
Republished from the Winnipeg Free Press print edition October 3, 2013 A15
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15 Reasons Game Of Thrones Is Basically About Your Dad
At the end of the day, the men of Westeros and Essos are just allegoric representations of your average family man, just trying to raise kids, put dinner on the table and conquer new kingdoms in the bloodiest way possible.
1. Your education is his top priority.
2. He settles up when it's his turn to buy beer.
3. He totally believes you were home by curfew last night.
4. Sometimes he questions parenthood.
He's only human.
5. He's a smart guy, but he occasionally states the obvious.
6. … more than occasionally.
(DAD. We get it.)
7. And more often than not, the technology he loves turns on him.
8. The dude does know the number one way to Mom's heart: painting his chest.
Number two? Getting her a horse to match her hair.
9. He wants you to feel good about yourself.
And not scared of him. At all.
10. And he cares about your feelings, especially your body image issues.
11. He's just being honest.
Read the love in between the lines.
12. And he can THROW DOWN for the good of the family.
13. So keep your cool, and don't let him see you make this face.
You'll be FINE.
14. Because he's not big on corporal punishment - except OMG, JOFFREY.
I think we'd all make an exception.
15. But in all seriousness, the dude is wise beyond his years.
Soak it up. That's why we love him.
Now that we've proved that your dad is basically a king in a parallel medieval world, go ahead and send him a free card with the Cleverbug app. All you need to do is download, register, personalize the card and send - wherever Dad is in the world - Westeros to Essos - all from the palm of your hand.
This post was created by a user and has not been vetted or endorsed by BuzzFeed's editorial staff. It is also not paid advertising. BuzzFeed Community is a place where anyone can post awesome lists and creations. Learn more or post your buzz!


text:
Improving Fairness in Wireless Mesh Networks
Free registration required
Executive Summary
Wireless Mesh Networks (WMNs) are networks that aim to establish hybrid wireless communications in areas with little or no telecommunication infrastructure available. The main motivation of these networks in Brazil and other developing countries, particularly in remote areas, is providing Internet access in places without commercial infrastructure and where the telecom operators have no economic interest due to its low demand. The idea is that a user in the network can forward the packets of distant users to the wired network connection point. Currently, wireless mesh networks use the IEEE 802.11 (WLAN) protocol due its availability and lowcost.
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Visit create.airbnb.com »
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community, and it doesn't go unnoticed!
Outgoing, social, globetrotter, foodie, fond of culture in a very broad sense (music, film, art...).
Motto: live your dreams, explore the world!
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Все понравилось. Хорошее расположение ( 10 минут на трамвае от главного вокзала), уютно. Шане спасибо!
Shana is a very kind host, who's very easy-going and makes you feel at home right away. Her place has an ideal location, just outside the center of Antwerp. You can use the metro, which is literally across her house, and in 10 minutes you can find yourself at Antwerp Central Station.
We had a lovely time visiting Antwerp! Thank you Shana for letting us stay at your place.
Me and my girlfriend spent the weekend at Shana and I must say that our host has been perfect! She is very gentle and makes you feel at home. Shana gave us plenty of suggestions for visiting the city and place for eating. The city centre is just 6-7 minutes by bus and the bus station is right in front of the house. Shana's place is also very close to the Sportpaleis. We were there for a concert and it took really short to go back (we decided to go back by walk). I do recommend Shana's and I thank her for having made our stay really comfortable.
Great host and nice room.
Shana was a very welcoming host with many stories to tell about her traveling. She made my experience in Antwerp very pleasant, and had all the information I needed about the city. To her I say thank you for the great stay in Antwerp!
Also the location is quite good, just maybe 10 minutes by train to the center of the city. Also, there is a supermarket very close by (maybe 200m) and the apartment/room are in excellent condition.
Shana and her partner were extremely nice and welcoming and although due my itinerary and work on their end we didn't cross paths much. The apartment is clean, beautifully decorated and easy to find.
Shana is een heel gastvrij, het was fijn om in haar huis te verblijven. De kamer is niet zo groot, maar ruim genoeg om met twee personen te overnachten, en alle voorzieningen zijn beschikbaar. De buurt is heel rustig en goed te bereiken met zowel de auto als de tram.
Shana was really nice and the place was very clean. The location was very convenient with frequent trams and the tram stop is just 30 seconds away from her place! Thanks Shana! :)
I had a good stay with Shana and her partner. It's easy and free to park near her flat on the street, and it's a 10 min journey into the centre by tram. A ticket from shop below costs 10 euros for 10 journeys.
Shana was zeer behulpzaam, en na elke vraag per mail kwam zeer snel antwoord, als je weg wilde was de tramhalte op, nog geen 100 meter van de deur, ook de auto kon je er zeer goed parkeren, alles zeer schoon en netjes en natuurlijk heerlijk geslapen, inderdaad de pantoffels met de flesjes shampoo stonden al klaar, ja als alles mee zit volgende keer weer zeker boeken bij Shana,
Shana stayed with us for one night. Communication was smooth and she was very pleasant company. She left the room clean. We highly recommend hosting Shana. She would be very welcome at our place, should she come back to Aalborg.
Shana no llegó a hospedarse en casa por motivos laborales, pero mis conversaciones con ella me hicieron ver que era una persona muy amable y correcta, gracias Shana!
Shana and friend are very polite and they respect and took very good care of the studio. 100% reccomended
Shana, was a very nice guest, leaving everything cleaned and on its place. It was a pleasure to host them as our guests in Alegria Center Apartments and Studios. They will be always welcomed
Shana was a great guest, she is very friendly, tidy and considerate of the place. We definitely recommend her as a guest.


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NEW YORK (AP) — Spray-painted at night on a Lower East Side handball court, the "Howard the Duck" mural showed the comic book character peeking from behind a trash can with the words: "Graffiti is a art, And if art is a crime, Let God forgive all."
Graffiti art highlighted in NYC exhibition
That 1978 work helped propel the illicit graffiti art movement out of the subway and into the mainstream. So it's only fitting that a canvas recreation of that mural (the original was painted over around 1988) is a part of a major exhibition on graffiti art opening Tuesday at the Museum of the City of New York.
"It was the shot heard around the world," said its creator Lee Quinones, also known by his tag LEE. "This was a movement that needed a visual manifesto. . I wanted to bring that conversation that was so elusive in the subways above ground, to a context almost similar to a museum."
Only 18 at the time, Quinones became known among his generation for covering a 10-car subway train. He and an artist named Fab 5 Freddy were among the first to earn gallery recognition with a 1979 exhibition in Rome.
What makes the New York "City as Canvas" exhibition unique is that it focuses only on works from the city that were collected over the years by East Village artist Martin Wong, who befriended and mentored many of the graffiti artists, including Quinones, and promoted their once-renegade art form. Wong's collection of more than 300 such works was donated to the Museum of the City of New York before his death in 1999.
About 150 are in the exhibition, which runs through Aug. 24. In addition to the "Howard the Duck" oil canvas, which Quinones made for Wong, other highlights include a compilation of ink-drawn tags collected by Wicked Gary, founder of the first graffiti writing club, the Ex-Vandals, and a member of a collective of writers called the United Graffiti Artists who were the first to exhibit their work in a gallery setting.
Continue reading this story on the...


text:
Liars Announce New Album Release Date
As-of-yet-untitled work out June 5
Liars have announced that the follow-up to their 2010 album Sisterworld will see release on June 5 via Mute. The news follows a series of clips which the band recently uploaded to their Tumblr account. According to a press release the still untitled new album "saw the band working more collaboratively than on previous recordings, and began when Angus Andrew and Aaron Hemphill moved into an isolated cabin in the mountains to begin writing." Recorded in LA, and self-produced by the band with additional production by Daniel Miller, Andrews says "If we aren't confusing people, it's not us. If we aren't confusing Ourselves with what we do, then we've failed."
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text:
Abstract available in
Claims available in
Description (OCR text may contain errors)
June 21, 1927'. 1,633,417
D. w. PERRY EYEGLASS (MSE HOLDING AND PROTECTING DEVICE' Filed Dec. 2) 1926 2 Sheets-Shut I INVENTOR DYER PV. P5221 ATTORNEY Patented June 21, 1927.
Application filed December This invention relates to devices adapted to be arrangedwithin an eyeglass or spectacle case, which obviates scratching of the lenses of the eyeglassor spectacle, which ob viates possible breaking of the lenses, which retains a cleaning cloth in flat condition protected from grit or other foreign matter apt to cause scratches on the eyeglass or spectacle'lenses in the cleaning operation, which provides for personal identification, and which affords space for an optometrists prescription.
More specifically, an object of the invention, is to provide a device in the form of a folder, adapted to'be inserted in an eyeglass or spectacle case, and having means for effecting the attachment of the folder, and means having a highly polished or glazed surface adapted to be contacted by the lenses of the eyeglass or spectacles to obviate scratching of the lenses, and including a flap beneath which may be arranged a cleaning cloth, which with said flap acts as a cushion for the lenses of the eyeglass and thus prevents possible breakage of the lenses when subjected to jolts or jars.
The nature of the invention and its distinguishing features and advantages will appear when the following specification is read in connection with the accompanying drawing, in which Figure 1 is an elevation of an open eyeglass case with a portion thereof broken away, and showing the device of the present invention, arranged therein;
Fig. 2 is a transverse sectional view through the closed eyeglass case, also the device of the present invention, and illustrating the manner in which an eyeglass may be arranged in a protected condition. Fig. 3 is an elevation of the folder, the flaps being disposed innon-folded condition. Fig. at is a view similar to Fig. 3, but showing the opposite side of the folder.
The device 10 illustrated in the drawings, is by way of example only of the several features of the present invention, and may advantageously be in the form of a folder to fit any size eyeglass or spectacle case inside of which it will be arranged. In Figs. 1 and 2 of the drawing there is shown the usual type of eyeglass or spectacle case 11 having a receptacle section 12, and a spring actuated section 13 which serves as a cover for the section 12. This type of case is lined with velvet or similar material. It
2, 1929. Serial No. 152,198.
jar as the result of being dropped, for instance, the lenses break.
The device 10 overcomes the disadvantages mentioned and affords other advan tages which will appear. The device 10, in the present instance, is made from foldable material such as stout paper, or cardboard,
or any other preferred material. material is out and formed to provide holes 14. for apurpose to appear, and flaps 15 and 16. The flap 16 is smaller in width, than the width of the flap 15 but is of the same length, and is adapted to be folded over the flap 15 on the fold line indicated at 17. Pads or disks of felt 18 are provided. Each of the pads 18 is impregnatedwith an adhesive substance having a pleasant odor. One pad 18 is associated with each of the holes 1 1. Each pad 18 is pressed in sticking contact with the back side of the flap 15 and a portion thereof enters the related hole 14. The pads 18 are thus carried by the flap 15 by moistening the pads, and by virtue of the adhesive substance embodied thereby, the folder may be attached to the inside of the receptacle section 12 of the case.- The folder will be positioned as shown in Fig. 1, with the flap 16 uppermost.
In order to provide means which presents a smooth or highly polished surface to obviate scratching of the lenses of the eye glass or spectacle to be arranged in the case, there is provided in the present instance a celluloid strip 19. The strip 19v is arranged over the upper face of the flap 16 and is secured thereto by suitable fasteners 20, there being one at one end of the strip 19. The strip 19 is as long as the flap 16 but is of less width. The lenses of the eyeglass or spectacle indicated at 21 are adapted to rest in contact with the strip 19, as shown most clearly in Fig. 2, and this obviates detrimental scratching of the lenses. It will at once be obvious that clear vision through the lenses of the, eyeglass will always be preserved. I
The flap 16 is adapted to be moved with respect to the flap 15. I The fold portion 22 The serves as a hinge and allows the flap 16 to be moved toward and over the flap 15, and to be moved away from the flap 15. Under such provision, it is possible to arrange a cleaning cloth such as the one indicated at 23 between the flaps lo and 16. r The cleaning cloth will be held nicely folded in a flat or non-wrinkled condition, thus preserving the natural condition of the cleaner to the end that the cleaner will not present any harsh surfaces apt to scratch or mar the lenses in the cleaning operation. It is also to he understood that the cleaner 23 as held beneath the flap 16 will serve as a cushioning means to effectually prevent possible breakage of the lenses of the eyeglass.
he device 10 will embody owners identification through and by virtue of suitable indicia indicated at 24 which will be printed on one face of the flap 16. The flap may also have printed thereon other instructive information, or an advertisement which will appear beneath the strip 19, the latter'being transparent in such case and will serve to protect the indicia against obliteration, The opposite side of the device may also contain any desired printed matter such as an optometrists or doctors prescription; indices appropriate for such information, being indicated at 25.
From the foregoing it will be apparent that there has been described a device adapted to be inserted in an eyeglass or spectacle case which obviates scratching and breaking of the lenses of the eyeglass, which provides means for adequately holding a cleaning cloth in proper condition and conveniently accessible, and which embodies means for easily attaching a device within thevcase also having the character of exuding pleasant-- 3. A device for an eyeglass case, including means for effecting the attachment of the device to the inside of the case, and a movable glazed lens supporting/flap connected with said means.
tvAfldevice for an eyeglass case, includpads impregnated with adhesive matter at ipted to be moistened for effecting the attachment of thedevice to the inside of the case, and a movable glazed lens supporting flap connected with said pads.
A folder for aneyeglass case comprising two flaps on a longitudinal fold portion, one flap of less width thanthe other and movable with respect thereto, means on one flap foretfecting the attachment of the folder, and glazed means on the outside of the other flap.
nrnn' W. PERRY.
Referenced by
Original Image


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The People Manifesto: Why Talent Will Determine the Success or Failure of Every Business
Article |
Never have so many forces of change buffeted so many markets from so many different directions. And with so much change, it's easy to be distracted by the new technologies, new business models or the latest disruptors in your market. That ... Read more


text:
Lead prioritization is extremely important in ensuring the success of a company's lead nurturing program.
Business is pretty simple. We make products that people want to buy and we sell them for a profit.
However, to get to this point there's often many more details that we need to factor in.
One of these important factors is segmenting (or tagging) incoming leads so that you can focus on the leads that are hot and ready to buy now and community with those leads who are not hot in other ways.
Too often marketing managers put all their leads in one "bucket" and assign them the same priority. This results in sales reps (or whoever is responsible for lead follow-up and sales - even if that is the business owner) giving the same time and energy to each lead. This not only wastes the time of the person who is following up, but it also wastes the time of the prospect.
As leads come into your sales funnel, be it through an online form, fish bowl, raffle, or other means, ensure you assign the proper tag and ranking to each lead.
This tag (or ranking) will be based on a few key questions you must ask the prospective customer.
For example, if you sell dog toys and accessories to large dogs, you might want to ask.
These types of questions, in this example, will serve to be a quick guide of the type of prospect who just landed into your funnel and expressed some sort of interest in dog toys!
If a prospective customer indicates yes to question four - this means your sales team has permission to immediately call them and follow up. This call would be to confirm who they are and quickly sell them on one of your premium accessories for dogs.
Let's say a prospect selected that they owned a dog but not a large dog. This would be an opportunity to not have anyone call them but to send them information, through an automated campaign, about how to better care for their dog with premium dog accessories. You can educate them and nurture them so that when they are ready to buy, they'll buy from you.
Do you see why lead prioritization is so important now? You can have your CRM system automatically nurture and educate leads who might not be ready to buy from you. Those who express that they're ready to buy from you can receive a phone call or other communication that enables them to "buy now."
Your CRM system is not just for storing contact information. It's a powerful tool to allow you to segment leads so you can respond to them in an appropriate way to drive more sales for your business.
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text:
Pop Culture
Downton Abbey Portrays Reality of Interfaith RelationshipsBy Gerri Miller
Go inside Season 5 Episode 9 where the story line of Atticus and Rose's interfaith relationship comes to a head.Go To Pop Culture
Bed Time
Lori Palatnik recommended that I start saying the Shema with my son in the morning and in the evening before bed.
After nursing my son, I would sing to him this song I learned in a play group (to the tune of Twinkle Twinkle Litter Star):
High up in the Shemayim (sky)
When we say the Shema today, everything will be ok
When we say the the Shema tonight, everything will be alright.
Then I sing the Shema. My son is too young to understand, but I am hoping somewhere in his soul, these words will soothe him. I say my own prayers for my son's welfare and I daven (pray) for those needing prayers of health.
As my son gets older and has a better understanding, I am hoping that bed time will become a nice time to talk to G-d.
What do you do for bed time ritual?
Note: All comments on InterfaithFamily are moderated. Any comment that is offensive or inappropriate will be removed.
Leave a Reply


text:
Atlantis Software
|Computer and video games
|Michael Cole, Rodger Coghill
|London, England
|Computer games
Atlantis Software was a London-based[1] UK computer games publisher that published a number of games during the 1980s[2] and early 1990s.[3][4]
The company was set up by Michael Cole and Rodger Coghill in January 1984 with the first four games released in May of that year.[5] The philosophy of the company was to sell high volume at low 'pocket-money' prices - at first all games were £1.99.[5] The Atlantis Gold label was launched the following year at £2.99 (the 'Gold' tag was soon dropped with games at both prices being released under the Atlantis logo but with the suggested price on the cover).
Their primary focus remained on the low-cost cassette-based games for 8-bit machines for £1.99[2][6] and £2.99[7][8] (commonly known as "budget" games) that formed a significant part of the UK 8-bit software market during the 1980s.
However, they later published games for the 16-bit disk-based Atari ST and Commodore Amiga formats.[4]
Formats covered included the ZX Spectrum[9] on which they published several games reviewed by the UK gaming press.
Select titles[edit]
- Master Mariner, 1984 (ZX Spectrum)
- Monster Munch, 1984 (Commodore 64)
- Cops 'n' Robbers, 1985 (Commodore VIC-20, C64, Commodore 16, Acorn Electron, BBC Micro, Atari 8-bit)
- Death Race, 1985 (VIC-20, C64, C16, Atari 8-bit)
- League Challenge, 1986 (Spectrum, C64, C16, Electron, BBC, Atari 8-bit, Amstrad CPC, Amiga, Atari ST)
- Survivors, 1986 (Spectrum, C64, C16, Electron, BBC, Atari 8-bit, CPC, MSX)
- Panik!, 1986 (C16, Electron, BBC, Atari 8-bit)
- Gunfighter, 1988 (Spectrum, C64, Electron, BBC, Atari 8-bit, CPC)
- Crack-Up!, 1989 (Spectrum, C64, Electron, BBC, Atari 8-bit, CPC)
- Cavemania, 1990 (Spectrum, C64, CPC, Amiga, ST)
- Hobgoblin, 1990 (Spectrum, C64, Electron, BBC, CPC)
- Apache Flight, 1992 (Amiga, ST)
Dates shown are for the first version. In many cases, ports to other machines were released over a number of years (e.g. League Challenge wasn't ported to Amiga until 1991).
Atlantis also re-released games that had been published at a higher price by publishers such as Computasolve and Audiogenic at the same budget price as their new titles. Examples of this are Mrs Mopp, 3D Glooper, Omega Orb, Last Of The Free and Psycastria 2.
- ^ http://www.atarimania.com/zoom_frame.php?TYPE_IMG=I&ID=1531&MENU=8&NUM_IMAGE=1
- ^ a b http://www.ysrnry.co.uk/articles/progolf.htm
- ^ http://www.ysrnry.co.uk/articles/atlantisfourpacki.htm
- ^ a b http://www.gamefaqs.com/features/company/74150.html
- ^ a b http://www.worldofspectrum.org/showmag.cgi?mag=Crash/Issue10/Pages/Crash1000132.jpg
- ^ http://www.atarimania.com/zoom_frame.php?TYPE_IMG=K7&ID=1535&MENU=8&NUM_IMAGE=0
- ^ http://www.atarimania.com/zoom_frame.php?TYPE_IMG=K7&ID=4140&MENU=8&NUM_IMAGE=0
- ^ http://www.ysrnry.co.uk/articles/hobgoblin.htm
- ^ http://www.ysrnry.co.uk/bycompany/Atlantis.htm


text:
Black White & Blue
Bitcoin Drama
DEA agents investigating Silk Road were allegedly posing as a hitmen, while working as thieves
"I am a person demanding that I be treated as such. All I want is a revolution."
Life post-Fappening
You must read this graphic novel about a future without the Internet
Did Zayn just pull a Timberlake instead of a Ginger and drop his first solo track?
Wrong to Refuse
Helpful website shows 18 other groups Indiana can now legally discriminate against
Legal losses
Ellen Pao just lost her historic Silicon Valley gender discrimination trial
Thank you President Obama
With Trevor Noah as the new host of 'The Daily Show,' Comedy Central will have a non-white late night lineup
A lil' Fusion infusion to your newsfeed. You'll be glad you did.


text:
More money, tech in preview centers Champions 2015: Tom Jernstedt New commish, expansion greet AFL season Youth lacrosse tourney inspired by LLWS Comcast stakes claim at SunTrust Park Will Cowherd be the new Maher? The NHL and the Canadian dollar IMG College deepens ties with NCAA Toyota, iHeartRadio play Rock 'n' Roll Univision to produce weekly NBA shows
Top Stories
McDonald's close to TOP extension
McDonald's is close to finalizing an eight-year extension of its worldwide Olympic sponsorship, ensuring that the restaurant chain will continue serving Olympic athletes for four more Games. The deal, which sources familiar with the negotiations said would be announced in the coming weeks, is valued at $180 million to $200 million total. It extends McDonald's membership of the International Olympic Committee's The Olympic Partnership (TOP) program and gives the company worldwide marketing rights to more than 200 national Olympic teams as well as the Sochi 2014 Winter Olympics, the Rio 2016 Summer Games, and both the 2018 and 2020 Olympics, whose host cities have yet to be selected.
NFL plans to start venture capital fund
The NFL is planning to form a more than $32 million venture capital fund to invest in startup media, technology and entertainment businesses that tie into football. Owners were briefed on the concept last week at their meeting in Houston. The subject is expected to come up for a vote at the owners' next gathering, possibly in December.
How best to use the bait?
MLB clubs adjusted their game-day promotions strategies this season by shifting much of their distribution of bobbleheads back to weeknights, increasing the number of weekend festivals and concerts, and giving away more traditional items. Club officials and vendors said the changes were done to help boost attendance throughout the week and maximize exposure for a sponsor base that has become increasingly involved in the promotions and giveaway process.
ESPN to offer X Games sponsors the world
Six months after announcing plans to turn the X Games into an integrated, six-stop global property, ESPN is preparing to go to market with an exclusive, worldwide sponsorship package that covers all of its action sports events. The deals will give sponsors a suite of assets that includes TV, digital and print advertising elements as well as the potential for branded content development. The sales effort will begin in late October, and executives at ESPN are still determining sponsorship prices.
A sweet dream for licensing biz
Sports merchandisers are excited again, as the sports-licensed Pillow Pets, a new plush offering, are this season's "it" item. Like so many licensing hits, Pillow Pets is a deceptively simple idea that has become a rage.


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Touching A Bloody Scab Afraid I Have HIV
Here's a taste of what TheBody.com has to offer on this topic:
Get the Facts
What Are the Symptoms of HIV and AIDS?...drenched in a cold sweat. In short, your mind can convince you that you have HIV when you don't. This can happen for any number of reasons, including guilt, stress or obsessive-compulsiveness. The key is to realize when your fears about HIV are legitimate and when they're not. Keep in mind that, if you're worried that something you did put you at risk for HIV, no matter how "out there" you might think your action was, it's pretty much...
Ask the Experts
fear of transmission to my childrenHi Dr Bob,Have been regularly viewing your forums for along time and hope you can help.You are an inspiration .I am a heterosexual 46 year old diagnosed pos in june 2008 after a single exposure in may 2008.My cd4 currently 444 with vl of 30,000.I...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...absolutely agree with the advice you were given by your doctor. You have not placed your sons at risk of acquiring HIV. Your fears are unwarranted. You ask: "Is this just irrational anxiety?" Yep! I'm glad you are getting some counseling at a... Read more »
HIV+ blood on two day old cutHello.I am a Police Officer who came into contact with HIV+ blood on duty. Long story short is that I was searching a person who had a cut on their hand. Their cut was at least 1hr old but was still oozing and was not dry. During this process I...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...dilute any infectious agent. Also, HIV does not live very long outside the body. The chance you got enough fresh HIV-tainted blood into your 1.5-day-old partially scabbed cut from a blood/water/soap mixture washing across the healing wound is... Read more »
question from europedear dr. Frascino,i am sorry to bother you, but in my country, we dont have such forums and i dont have opportunity to discuss my questions. i have one problem with risk of hiv and i really need help and this is the best site i have found... i was...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...Questioner from Europe,I do not think you are "stupid," nor do I feel this is a "made-up situation." I fully realize you are scared. However, your fears are totally unwarranted. You state, ". . . I don't have HIV anxiety . . ." yet you clearly... Read more »
Dr. Bob - I am extremely frightenedFirst, let me explain that I have generalized anxiety disorder for which I am undergoing therapy. My wife and I lost our son about nine months ago in an auto accident and as a result her depression has left her unwilling to be intimate. Being...
Response from Robert J. Frascino, M.D.
The Robert James Frascino AIDS Foundation...Hello,Your HIV-acquisition risk is completely nonexistent. Your fears about serum from a new tattoo getting into your picked cuticles are irrational. Equally unwarranted are your fears of contracting Read more »
Women and HIV/AIDS...including: Limited access to health care due to lack of insurance and/or transportation Unstable housing Fear of partner (domestic) violence Other responsibilities such as child care or caring for a sick partner ... Read more »
Lactic Acidosis and HIV/AIDS...careprovider. Although lactic acidosis is life-threatening, it is very rare. The point oflearning about lactic acidosis is not to scare you. It's to help you be awareof what's going on in your body. That way, if you recognize any symptoms... Read more »
Complete Blood Count (CBC)... The Complete Blood Count (CBC) Red Blood Cell Tests White Blood Cell Tests The Complete Blood Count (CBC) The most common laboratory test Read more »
HIV/AIDS Among Hispanics/Latinos...affect the risk of HIV infection. Some Hispanics/Latinos may avoid seeking testing, counseling, or treatment if infected out of fear of discrimination. The stigma around homosexuality adds to prevention challenges (e.g., traditional gender roles... Read more »
Connect With Others
worried of getting stabbed with hiv in my foot
Posted by worried1234, 3 Replies...was kind of like sand grinding on my foot,i was wearing slippers,I checked my feet to see if there were any puncture wounds or blood,i didnt see any blood,so i tried to ignore this,but then 20 minutes later i started to become paranoid and i went... Read more »
scared what if driving me nuts...
Posted by sadman, 3 Replies...can't stop thinking what if...Please help. Here are my three what ifs: During sex I didn't cum so I removed the condom and she touched me until I came. However, during intercourse the condom rolled up slightly for a second maybe an inch from... Read more »
Blood Contact - PLEASE HELP!!
Posted by Anonymous, 4 Replies...wasn't a lot of blood, just a slightly noticeable amount and I didn't have any open wounds on my shoulder, but I am still so afraid. Any response will be soooo helpful - THANK YOU! Read more »
my brother is HIV positive...i have some questions
Posted by Anonymous, 4 Replies...still not sure if it really did sink in for him yet. i can't imagine trying to cope with something like that. I am just so scared that with him having HIV that somehow I could catch it. I know that you can only catch it if you have sexual... Read more »
Resource Centers
Guides for People With HIV


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The Easton Mako Torq baseball bat is a one-of-a-kind bat whose handle actually
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Length/Weight (-3): 31"-28 oz 32"-29 oz 33"-30
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*Note: MINUS (-) DROP: Refers to the differential between the length and weight
of a bat. As an example a (-)10 bat would be a 29" length 19 oz weight bat.


text:
Narrow down the 150 results:Map View
We have a range of budget places to stay in Frankfurt from as low as £11 per night
Based on previous Frankfurt accommodation searches, the average starting price is £70
Want to splurge? At the top end in Frankfurt, we have 45 places to stay with prices starting at £139
x The average starting price for a place to stay in Frankfurt is £70 per night.
Baseler Strae 17 60329 Frankfurt MainExcellent 92%
maop We stayed at the hotel for 3 days and we were pleased with the stay. The internet was free and there was a TV with different channels in our room. The breakfast was also varied and good, something for each and everyone with plenty of time to eat. If I go to Frankfurt again I won't hesitate to stay there again.
The Squaire Am FlughafenExcellent 90%
savvy_traveller Easy check-in process, only be aware that Amex and 500 Euro bills are not accepted as payment. Very clean and comfortable, although bathroom facility is tight but it is adequate. Dinner served at bistro with limited menu -- pizza, pasta and sandwiches. So if you are hoping for more expanded fare, make alternate arrangements for dinner. Shuttle service from airport to hotel is good, but check ahead of time where to catch it. 3 Euro charge on return from hotel to airport shuttle service -- friendly and accommodating drivers. Location is convenient to airport, but if you want to venture into the city, a bit inconvenient. Overall, good value for the money and pleasant stay.
Wilhelm-Leuschner-Str. 6Excellent 90%
peter.teo The close proximity of the hotel to the main train station is probably its best asset. That it is located off the main road is also a plus point, although there is a music bar just a few metres away whose noise can be bothersome if your room happens to face the bar, as mine did. The standard of cleanliness is high and facililites in general are good. Staff are helpful and cordial, but without the personal friendliness of some guest houses or B&Bs I've stayed in.
Konrad-Adenauer-Str. 7Excellent 90%
Create your own travel plan including Frankfurt as one of your stops. You can use it to store all your research (even hotels found on other websites!)
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text:
GW2 Twitter
Yesterday, 09:10 AM
29Posted By: Tijgertje.7461
Mar 2015
Jade Quarry is currently seeking guilds and players in select time zones.
What we can offer you:
· Non-stop action fighting BG and TC. Regardless of the time you play, there will always be fights to be had, whether they be small havoc, or large open field battles.
· A growing GvG community. Many guilds across all timezones have been bit by the GvG bug & are always looking to test their skills.
· An active and co-operative community, made up of both seasoned veterans and fresh new players with renewed interest in WvW.
· Guilds that know how to have fun and enjoy themselves, yet can also turn up the heat when they want bags!
· Little to no queue times. We know T1 has a reputation of having non-stop 24/7 queues, but we assure you that it's simply not true. JQ might experience queues during NA, as does all of T1, but mostly during reset. All other timezones are free from queues.
· Community-run events, with prizes.
· Server website and forums – http://jadequarry.com/page/index.html
· Dedicated public teamspeak server, open for all JQ members to use.
· A deep love and appreciation for our militia, known affectionately as Quarrians. Our milita are perhaps the most skilled in T1 and many of our guilds welcome the opportunity to have these on pin. JQ would not be where it is today without this very important part of our player base.
· A positive and healthy outlook on your time spent in game. We love WvW, we love bags and we love winning! But we also believe in fighting consistently week in, week out, not in bursts.
Interested? Here's how to contact us.
NA contacts:
· Domcheezy – Garros.6897
· Daisybell – DaisyBell.5089
· Morb – Morbidi.9728
EU contacts:
· Zudo – Zjuu.5431
OCX contacts:
· Jallah Jennkins – Jallah.8725
· Mezcapp – Capp.8205
SEA contacts:
· Darius – Darius.2049
· Wai Yu Hai Ding – Hugestick.7681
or open a thread on our forums: http://jadequarry.co...pen-discussion/
We'd love to talk with you, and arrange a meeting.
Mar 28 2015 12:53 PM
28Posted By: Gav.1425
Mar 2015
Been gone for a while (grad school) and I need to server transfer home. Are you guys still actively recruiting?
Mar 24 2015 05:11 PM
24Posted By: stonewall.9467
Mar 2015
Here some RP video that a guildie talked me into filming xD hahahah enjoy JQ <3
Recent Topics
Request resident accessAccess Requests Today, 02:41 PM
Full topic ›
Resident Access RequestAccess Requests Today, 04:28 AM
Full topic ›
Looking for Jade Quary Recruitment Information? Updated 2...Open Discussion Yesterday, 09:10 AM
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Request Resident accessAccess Requests Yesterday, 04:59 AM
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Resident Access RequestAccess Requests 28 Mar 2015
Full topic ›


text:
Industry News
Rise in Fireworks-Related Injuries Nothing To Celebrate
June 27 2014 3:59 PM EDT
Despite the worrisome statistics, illegal displays are often touted as tradition.
What's The Deal With World Cup Fever?
June 26 2014 12:17 PM EDT
Americans are watching the World Cup in record numbers. Here's why.
Merger Critic Blasts AT&T's 'Spotty' Record At Antitrust Hearing
June 24 2014 5:48 PM EDT
CEOs for AT&T and DirecTV made their case to antitrust policymakers on Capitol Hill Tuesday.
USA-Portugal Match A Record For ESPN
June 24 2014 11:18 AM EDT
Sunday's 2-2 game may be the most-watched soccer match ever on American television.
Honda Tells Narcolepsy Sufferers They 'Shouldn't Be Driving'
June 23 2014 11:51 AM EDT
Commercial featuring a narcolepsy joke has been set to "private" on YouTube following complaints by people with the condition.
The New LinkedIn Feature That's Driving Users Nuts
June 20 2014 5:35 PM EDT
The social network is expanding its long-form publishing tool, but not everyone wants to know when their connections use it.
New York Times Killed 'The Gun Report' Rather Than Give Me A Raise, Says Writer
June 20 2014 5:16 PM EDT
The New York Times canceled Joe Nocera's popular "The Gun Report" blog last week, days after his assistant filed a salary grievance.
TV Mines Its Own Past -- Again
June 20 2014 1:24 PM EDT
Lifetime's upcoming TV movie will chronicle the backstage drama of a 1990s favorite.
TMZ Writes Big Checks For Big Scoops
June 19 2014 5:35 PM EDT
The trashy gossip site is known for breaking scandals, but part of its secret sauce is checkbook clickbait.
Indie Music Artists Brace For YouTube Banishment
June 19 2014 12:40 PM EDT
The Google-owned video giant denies doomsday reports of mass video deletions, but blocking of some content is still likely.
Viral Ad Campaign Gave Voice To Anti-Redskins Fight
June 18 2014 4:25 PM EDT
The "Change the Mascot" campaign didn't directly call for the cancellation of the Redskins trademark, but advocated against the use of the slur.
When Altering Photos Is A Federal Violation
June 16 2014 4:40 PM EDT
U.S. House bill would seek to create regulatory framework for Photoshopped images in advertising.
Cancer Scare At New York Times
June 16 2014 10:19 AM EDT
Dean Baquet, who recently replaced Jill Abramson as the executive editor of the New York Times, is currently recovering from a malignant tumor that was removed from his kidney over the weekend, the Times reported on Monday.
Facebook Nurses Wounds In War On Nipples
June 13 2014 6:22 PM EDT
Revising a controversial policy, the social network now allows images of breastfeeding mothers, even if breasts are exposed.
Storm Over Facebook Filtering Gains Strength
June 13 2014 1:09 PM EDT
The National Hurricane Center joins a chorus of critics who say Facebook's is becoming useless for real-time news.
Smile, Farmers: The Skies Are Watching
June 12 2014 5:48 PM EDT
An environmental journalist wants to use aerial drones to sniff out illegal activity on factory farms.
Former NYT Editor Jill Abramson To Teach At Harvard This Fall
June 12 2014 1:33 PM EDT
Jill Abramson, the ousted former executive editor of the New York Times, will begin teaching at Harvard University this fall.
Tracy Morgan Fans Vow To Boycott TMZ Over Crash Video
June 12 2014 11:17 AM EDT
Following pleas from Louis C.K. and Judd Apatow, Twitter users vow to go after site's advertisers.
Newspaper Guild Fears For Future Of Philly Inquirer
June 11 2014 4:10 PM EDT
Following the death of Lewis Katz, philanthropist H.F. Lenfest is poised to become sole owner.
Meteorologists To Facebook: Stop Raining On Our Parade
June 11 2014 2:28 PM EDT
As Facebook throttles the reach of non-advertising sites on its social network, weather forecasters say users are missing critical storm updates.


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lol... nice one
I was cramped for space most of the game, I was fortunate to get a bit of space in the endgame. I was also way down on time.
Thanks for sharing that one. It looked like fun.
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Cadence – A Music Puzzle With Built-in Synthesisers|Interview
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Tahira: Echoes of the Astral Empire — Sci-Fi Mixes With Medieval Fantasy in This New Story-Driven Adventure
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Kingdom Come: Deliverance – New Details on the Open World Medieval RPG from Warhorse Studios
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Rebel Galaxy – All New Details on the Space Action Simulator Coming to PS4, Xbox One and PC in 2015
In the first part, we met the two-man team behind the upcoming swashbuckling space adventure, Rebel Galaxy. Now, it's time for more on the game itself. In lots of games
Meet the Team and Learn the Story Behind the Development of, Rebel Galaxy
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text:
The combined professional experience of ACE experts and affiliates represents deep technical knowledge covering all stages of the aluminium manufacturing process. This knowledge was acquired through decades of plant operations experience coupled with execution of medium to large technology transfer projects across the world.
Aluminium Consulting Engineers is looking for Experts and affiliates to add to our teams of experts in particular we can use the following:
- Business Development, Financial Feasibility Studies, and Financing Documents. Financial Planning and Control
- Cold and Hot Rolling Mill Operation, Engineering & Maintenance including Coating and Tension Leveling Line
India approves allocation of bauxite block to Odisha Mining
Thomson Reuters - March 17th, 2015
India has approved a proposal from Odisha to allocate a bauxite deposit with reserves of over 150 million tonnes to the state mining company, a move likely to help companies like Sesa Sterlite Ltd (SESA.NS) that are banking on the raw material to fire their aluminium smelters in the state...