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Caveat investor, home country rule, moral hazard, etc, etc.
What were the prudential banking regulators doing, the central banks of Iceland, UK and the Netherlands? Not enough, we see in retrospect.
Retail investors need to be protected, when they make conservative invesments and deposits, not when they make speculative bets far off-shore, as in the tulip and South Sea manias, remember those? Re-reading Kindleberger might be useful.
And the Investor and Depositor protection cannot be absolute and unlimited, otherwise there is no incentive to select good investments, with risk/return distorted.
Foolish creditors/investors invoking anti-terrorism rules is the XXI century version of "warships in the harbour" taking over the customs collections.
So what else is NOT new?
Regardless of whether UK and Dutch depositors were in fact mostly repaid, or whether it is a victory or a sham, one thing is clear:
People, and countries, will now view EU rulings as being optional, with no force of law. A slippery slope indeed for the EU.
Now that Icesave is in the bag, Britain should appologize to the Icelandic nation as a whole, I do not think Icelanders want more thann that, from a nation that is going down the drain financially
Now that the EU has rewritten its deposit insurance rules for banks in the union, in the future, it must be the taxpayers´ task to pay for the extravagance or whatever made the respective banks go bust. Now that is a very bad message for the banking system. The message from the new set of rules is: Do what you want, steal as much as you like, be it through bonuses or other ways, the public (taxpayers) will always pay, if things get out of hand. As for the Icesave case: There seems to be no loss for the governments of the Netherlands and the UK, unless they expected fat interest rates on the loans they volounteered to create. One could go on: Is it healthy to insure deposits so extensively as the new set of rulings depicts, since that could mean, that if other banksters (yes, the owners and managers of the Icelandic banking system were gangsters) decide to promise fat interest rates in exchange for peoples´ money, pocket the deposits and send the bill to the taxpayers, the EU banking union will shoulder the bill? What kind of a message is that? It is also worth mentioning, that the UK government refused to extradite one of the Icelandic banksters (Sigurdur Einarsson) from London for questioning by Icelandic prosecuters. And the money stolen by Icelandic banksters is probably mostly placed in London today, after a round trip through various tax heavens, some under the British crown.
A few years back a British bank in Hong Kong,if I remember correctly, collapsed and the bank's depositors lost all their money.
The British government did not compensate the depositors.
Why, if this is even a questions of ethics?
'if I remember correctly'
You don't. Barings was bought by ING for £1 who took on all its debts. However this is irrelevant to Icesave as Barings was an investment bank - only the general public receive a government guarantee, not the shareholders or bondholders.
Iceland guaranteed all account holders of Landesbanki in Europe. They failed on that guarantee. That is all the market will take from this new bit of legalistic insanity from continental Europe.
CityBound, Iceland did not guarantee all account holders of Landsbanki. The Icelandic government was responsible for setting up a deposit insurance scheme, which it did. I suspect that many people who are baffled by the court's judgement, including the journalist at The Economist, have not read it. For those who would like to educate themselves on the matter: http://www.eftacourt.int/images/uploads/16_11_Judgment.pdf
Yes of course it did, via the EU passporting scheme all public accounts holders were offered the same government guarantee.
Iceland's membership of the scheme was the only reason under EU law that it was allowed to accept account holders in NL and the UK at all.
They should have all been treated the same, and they weren't - Iceland made an promise that it was impossible to keep (via the incomptence of its regulator).
This is why the courts judgement is so ridiculous - it is in blatant contradiction to EEA agreements at the time.
There were basically two matters under dispute. The first was whether Iceland's obligation extended beyond setting up a deposit insurance scheme.
Directive 94/19 is quite clear on this and I have never understood how a case against Iceland would be made. I did not see anything in the document you posted that suggests a government guarantee that extends beyond the insurance fund. Following is directive 94/19: http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:31994L0019:E...
The second matter has to do with discrimination and that is a more complicated one. Had the funds of the deposit insurance fund been diverted to Icelandic depositors at the expense of other depositors it would be clear cut, but no such thing took place. I will concede that this part of the dispute was in question, but to say that Iceland guaranteed all account holders in Europe is incorrect.
Wrong. Iceland was required to set up an adequate deposit insurance scheme. Directive 94/19/EC says that member states are not "liable in respect of depositors if they have ensured that one or more schemes guaranteeing deposits.....and ensuring the compensation or protection of depositors under the conditions prescribed in this directive have been introduced". It is hard to argue that a deposit insurance scheme that had a standing fund of only about 1% of banks' deposits could be considered adequate for a country with essentially just three banks - unless the government accepted that it would back the deposit insurance scheme. Anyway, Iceland never denied the frequently published view (eg by rating agencies) that it would not stand behind its deposit insurance scheme.
Wrong? Not according to the court. If you take the text from the directive to mean that a deposit insurance scheme is only adequate in case it is able to cover all insured deposits in the worst case scenario, then we are simply talking about a full government guarantee and there would be no point in setting up a deposit insurance fund. The fact is that the regulatory environment was, and is, flawed.
Perhaps the Icelandic government should have made it clear that it was not responsible for the banks, but you will rarely hear government officials say things that might cause a run on banks.
The Icelandic case has shown the folly of highly leveraged banks being backstopped by the government. Without the perception of a government guarantee, the Icelandic banks would never have grown so large and everyone would have been better off as a result. That is not a message that suits a financial center, such as London. The emperor does not like to be exposed.
It depends what you mean by deposit insurance "fund" and government "guarantee". If you mean the standing fund of about 1% of deposits, then yes it was plainly inadequate, because it could not have covered the failure of one of Iceland's significant banks from its own resources, so you could argue that there was no point having one. But most deposit insurance schemes would expect to borrow to make the insurance payments, and the government guarantee becomes a matter of making a loan to the scheme (the US FDIC says something like it is backed by the "credit" of the US government). In general, the expectation is that the deposit insurance scheme makes the insurance payment almost immediately (the "paybox" function - see paragraph 4 of http://reservedplace.blogspot.co.uk/2010/03/on-thin-ice.html ), by borrowing and then recovers the outlay over time both from the liquidation of the bank concerned and the insurance premiums paid by the surviving banks. Obviously, the initial outlay was a lot of money for Iceland to borrow in international capital markets, which is why the British and Netherlands offered a loan. Unfortunately, the Icelandic voters were poorly informed, saw the headline number, assumed that they would have to pay it all themselves and voted no.
I suspect the truth is that Iceland just copied a European-style ex post funded deposit insurance scheme without really understanding what was involved. As the report for the Icelandic parliament explains, the Icelandic deposit insurance scheme was managed part-time by one central bank official, who did not have the time to attend all of the European discussion meetings at which such policy questions were discussed. Basically, Iceland is just too small a country to have experts in every service provided by a full-sized country, and deposit insurance was a service that they were unable to do properly. In my view, whatever the EFTA court said, Icelanders should admit that Icesave was the kind of hazard naturally faced by such a small country trying to go it alone, and should accept a moral obligation to repay British and Dutch taxpayers.
Anybody with more access to the facts please correct me - however, I understood what was happening as follows;
Firstly, the EFTA Ruling appears to have no "practical" consequence for iceland case, as Landesbanki(icesave owner) estate apparently had enough assets to repay the UK/NL government in the end, or to a high percentage. The British press has been very coy about details. So in the end, it was not a question of Iceland or its taxpayers need to pay for the deposit insurance sheme. One notable, but not debated point, it is now more than 4 years, a long time, till a solution was found.
Secondly, in 2008 the UK/NL gov's mainly wanted to avoid "contaigon" and "bought" the receivables of the savers. Again, no reporting about these repayments and "final" losses borne by the respective taxpayers........
What appears to have faild (amazingly, but positively) for the first time since 2007, is the unquestioned tranfers of liablities from private corporations onto taxpayers - upheld before a EU court, nonetheless. So judges have suceeded, where politicans failed........
Which has serveral ramifications, in part unrelated to the topic. Firstly, these are very bad news for the banking union, joint deposit sheme fans. Apparently, somewhere in the deep plumbing of international (EU) law there seem to be rules which "can" be used to upheld property rights, which makes "pass the parcel" much more difficult, unless everybody colludes. Mr. Draghi, are you listening? Any of the core governments - Angie please listen intently - to agree override these principles and putting more burden on their own populace - would be stupid, very stupid indeed.
Furthermore, the whole thingy becomes every more interesting from a game theory point of view - because the first to repudiate to "hold the bag" has a huge first mover advantage. Should be noted by everyone.
And finally, a related aspect. The current surge of the euro is partly due to everybody else threatening to print more than Draghi, and the (invalid?) assumptions of the market as to whether the core is willing/capable to "hold the bag" - thus being a very important sign for the stability of the Euro. Has anybody else noted the assorted dilemma for this hapless bunch of "saviours of the euro". If they allow the euro to surge and stay high, they faciliate the destruction of the euro (because exports will become ever more impossible for the periphery, the deflationary spiral will increase... as they will become ever more unable to compete globally) - if the euro is devalued, thus making it ever more expensive to import oil and thus stroking inflation (side effect - capital will flow from the periph, testing the willingness of the core to hold the bag (or not) to become ever more likely) - the euro will rip apart, although for other reasons.
Dammed if they do, dammed if they don't - loose loose, if you ask me....
You are correct. The assets in the Icesave bank, were enough to pay minimum deposit insurance. We (Icelandic taxpayers) were never in risk of having to pay for this part. However: We were offered loans from the governments of UK and NL. These loans carried interest. We will now not have to pay for this. But some of it will be paid anyway, by the Icesave bank (Landsbanki). So I think the governments of NL/UK will not loose any money.
We could have finished this whole case in 2009, but politics is politics, on both sides :) People in that business have to "show off" for their local voters. If this had been a problem between two big companies... well it would most likely have taken some 2-3 months to solve.
Britain and the Netherlands should not have had to rely on the Landsbanki estate for the share of the deposit insurance that should have come from Iceland - that should have been paid very soon after the deposits were declared "unavailable", and then Iceland should have joined Britain and the Netherlands in the ranks of the ordinary unsecured creditors. And had Iceland not cheated Landsbanki non-deposit creditors by giving depositors preference by passing an ex post facto law on the eve of the Landsbanki bankruptcy, the depositors and their guarantee scheme representatives from Iceland, Britain and the Netherlands, probably would have sustained substantial losses.
For the facts from a British point of view, see this blog post written around the time the Icesave dispute started: http://reservedplace.blogspot.co.uk/2010/03/on-thin-ice.html
I do think that the British authorities could and should have done more to make their case to the Icelandic people on this issue. As it was, the referendum debates seemed to be based more on emotion than fact.
The following is a recital from the verdict:
200. Moreover, as regards the second plea, the defendant argues that there has been no
discrimination whatsoever in the manner in which the deposit-guarantee fund
itself has operated. The two groups compared by ESA, depositors with domestic
branches and depositors with foreign branches of Landsbanki, have been treated
equally. None has received any payments under the guarantee scheme.
More a question - as far as I remember, Brown deceided to compensate UK icesave customers over and above the amount guaranteed by the Icelandic/(or British?) system?
So let's assume a generic customer of icesave had a GBP 100k saving, and got GBP 100k from the UK government, whereas he would have got GBP 20k under the islandic scheme and GBP 35k under FAS regime? (not sure the figures are correct, just to describe the situation).
So which amount has now been repaid by the estate of Landesbanki, the 100 plus interest for 4 yrs, or the 20 without any interest - or something inbetween? Which was it? How big was the UK gov loss on the 20k assumption, and how big overall?
Guessing based on what I read between the lines, the local icelandic customers were treated as preferred and paid by the estate, whereas UK/NL customers were treated as unsecured? Assuming there is some legalese around the transfer of obligations from Landesbanki upon declaring the deposits "lost" to the deposit scheme, how does it work?
In effect, the UK government decided to increase the "top-up" component of the deposit insurance from £35,000 to cover the full amount of retail deposits - £100,000 in your example. But this makes no difference to how much Britain claims from Iceland (€20,887) or the Landsbanki estate (since the British government is simply subrogated to the claims that would have been made for the amount of deposits over £35,000 that would have been claimed by British depositors. The British government should not have been at any risk of loss for the €20,887, because that was supposed to be Iceland's responsibility (see paragraphs 4 to 8 here: http://reservedplace.blogspot.co.uk/2010/03/on-thin-ice.html ). As it is, the British government will probably get all of their deposit insurance outlay back from the Landsbanki estate - ie £100,000 in your example - but without interest, whereas they should have received €20,887 of that almost immediately from Iceland. So it will not cost the British and Dutch much in the end. But only because Iceland is cheating the non-deposit creditors of Landsbanki, which I mention in some other comments here.
Iceland (the country; its taxpayers) didn't cheat anyone. It was not and is not the responsibility of Iceland to pay anything, ever. It was Iceland's responsibility to have the banks create the deposit fund between them, according to European rules. Which it did.
When the banks failed, the deposit fund was not big enough to cover all losses and subsequently paid no one. Neither foreign, nor Icelandic account holders. Make sure you understand that. The deposit fund has, to this day, not paid out a single krona.
The Icelandic government introduced emergency laws, creating government-owned banks, to keep a monetary system going, since there was no longer one.
Icelandic account holders were moved to these new government-owned banks, which did not compensate any account holders for loss of value of their savings.
In the meantime, foreign account holders are being paid out of the bankrupt estate of the bank, near to or completely the amount they were owed. Not just private account holders, but also institutions, local governments, etc.
What was the verdict of the EFTA Court: 1. Iceland (the country, the taxpayers) are not responsible for the private debt of the banks. 2. Depositors with domestic branches and depositors with foreign branches of Landsbanki have been treated equally. None has received any payments under the guarantee scheme.
The British and Dutch governments were free to implement their own emergency laws to facilitate payback of funds, but the perceived obligation they created for Iceland was just that: perceived. And that is all there is to it.
I agree that European law was not clear that states have any responsibility to make insurance payments, but Directive 94/19/EC does say that countries are only not "liable in respect of depositors if they have ensured that one or more schemes guaranteeing deposits.....and ensuring the compensation or protection of depositors under the conditions prescribed in this directive have been introduced". Iceland can hardly claim to have introduced such a scheme, since without government backing, the fund could never have compensated depositors of any of the three key banks in Iceland. But I think that was more of a matter of incompetence than cheating.
Where I think Iceland is cheating is when it comes to their use of the Emergency Law. Domestic depositors lost none of their deposits and never had to claim on Iceland's deposit insurance scheme because they were transferred to a new state-owned bank before the Icelandic bank regulators had formally declared Landsbanki deposits unavailable on October 27, 2008. However, as the EFTA Court acknowledged, Landsbanki collapsed on October 7 and the decision to transfer domestic deposits was made on the October 9, under an "Emergency Act" passed by the Icelandic parliament on the October 6, by which time the failure of Landsbanki was inevitable. In legal terms, the transfer of deposits was made ex post facto. This would be rather like a life assurance company that cancelled your cover when you had a terminal illness and then refused to pay when the policyholder actually died, on the grounds that they were not insured at the time of death. Whatever the EFTA court (comprising judges from Liechtenstein, Iceland and Norway) ruled, Icelanders can surely see the moral case against them here? The emergency law also gave priority to the depositors in the Landsbanki liquidation, again ex post facto. Note that this cheats bondholders who bought senior Landsbanki bonds on the understanding that in law, they ranked pari passu with the depositors (and were therefore unlikely to sustain losses in bankruptcy - like the recent nationalisation of SNS Reaal in the Netherlands), only to find the law changed to their disadvantage when bankruptcy became inevitable.
Incompetence, certainly. It is ubiquitous.
However, the court confirmed Iceland in its decision to create emergency laws as it saw fit.
The Icelandic government decided to protect its taxpayers, instead of the bondholders. Considering who voted the government into power, I would say that their loyalty is in the right place. Not to mention that there really was no other option in order to keep a monetary system in place. You quote that Icelanders' deposits were safe, except against massive inflation of the currency. Something that the foreign account holders did not suffer, since they are getting their deposits back equivalent to the value in pounds and euros.
Ubiquitous, yes, but I would suggest more likely in a country that tries to cover too many activities for the number of people in the country - Iceland's deposit protection scheme was run part-time by an employee of its central bank (note, from the public sector, not the private sector, as Iceland would like to present its deposit insurance scheme), who did not have the time to attend many of the European meetings at which deposit insurance policy was discussed. In my view, Icelanders should accept occasionally having to pay for such incompetence as a cost of their independence as a small nation.
Icelanders who kept their deposits in domestic currency presumably benefitted from higher interest rates representing a kind of insurance premium against such inflation - which is of course why so many Icelanders chose to borrow in Swiss francs and yen (which, according to the FT - http://www.ft.com/cms/s/0/6e9d69ea-6a06-11e2-a80c-00144feab49a.html#axzz... - were declared illegal when they turned against Icelanders - ie more cheating).
Given Icelanders' present whining, evasive attitude to their moral responsibilities, it is a joke that, in 2005, at the height of their boom, President Olafur Ragnar Grimsson declared that Iceland's "style of entrepreneurship breeds leaders who know they are responsible....they don't hide behind an army of lawyers..." ( http://www.forseti.is/media/files/05.05.03.Walbrook.Club.pdf ).
We have landed in the realm of opinions and assumptions. You are entitled to yours, of course. I do not share them. In this case, Iceland was judged according to facts and was judged favorably. That really is all there is to it, whether you agree or not.
No, I am mostly offering facts above. If the court's judgment was supposed to be based upon such facts, it is a travesty, but what can you expect of a court comprising judges from the defendant, and even smaller and more financially-dependent microstate, and a country with close ties to the defendant. It would be like a court from Britain, Spain and Germany ruling on Iceland's mackerel quota. Sadly though, since there appears to be no mechanism for Britain and the Netherlands to challenge the ruling, that is all there is to it.
1. For what it's worth, Karel Lannoo, Chief Executive at the Center of European Policy Studies, believes an EU court would have come to the same conlclusion as the EFTA court. See http://www.vb.is/frettir/80659/
2. The Icelandic Central Bank and Icelandic pension funds where the 2nd and 3rd largest non deposit creditors, who lost out on the Emergencgy Law. This may not be much consolation to other non deposit creditors, but shows that Icelanders made sacrifices to make this deposit priority possible, not only for them, but for UK and Dutch deposit holders as well.
The alternative to "bleeding" the non-deposit creditors is to sacrify the deposit holders. The latter were essetial for the economy as a whole, and were therefore given priority. To take your "death bed" analogy, it was a case of choosing who to let live... when the resources were not sufficient to save every one. The choice made has not been contested by the UK and Dutch.
UK and Dutch taxpayerws and governements will also be glad about this result, should they ever face systemic crises.
3. If the Directive's intention was to have state guratnee on depostis... why did it not say so explicitely?
Iceland mugged Britain and Netherlands and got away with it for now. This will not be forgotten though by these EU voting governments.
No, Iceland did not go away with anything, EU, UK and the Dutch tried to blackmail Icelanders to bail out these private banks, but the did not go away with that and lost the case 100% in EFTA court.
Who got mugged by whom? The thieves were Icelandic gangsters, that is true. Why they got away? You should ask the British authorities, since most of the Icelandic banksters now recide in London, save from the short arm of Icelandic law enforcers. And in spite of everything, most of the deposits will be returned to their rightful owners by the left overs of the bank gone bust. One question: If people decide to deposit money in some scheme which promises higher returns on their capital than normal, the rule of thumb says that people seeking the highest possible promised returns should know, that the higher promised returns come with a catch: They are not as secure as a normal bank deposit would be. This is atleast the message people should be getting. I am not familiar with, whether the new set of rules for deposit insurance in the EU, totally rids depositors of their own responsibility for their actions. Should that be the case, then a grave mistake has been made, which might cost taxpayers in the EU a lot in the future. The TE should address the dangers posed by the EU´s new set of rules concerning deposits´ guarantees. I look forward to seeing the TE´s article on that last mentioned topic, since I normally hold TE´s views in high regard.
Rubbish. The British and Dutch did not want the banks bailed out; they wanted, on behalf of their taxpayers, the part of the deposit guarantee that should have been paid by the Icelandic deposit insurance scheme. This has nothing to do with bailing out private banks; it is about whether the Icelandic taxpayer is going to compensate British and Dutch taxpayers for some of the deposit insurance that they have already paid out to cover a failure by a branch of an Icelandic bank.
Greece walked the line, and there are riots in the streets. It is falling apart adhering to obligations that it simply can't support, regardless of deals made by people who didn't give a sh*t what happened to the country.
Iceland has been praised for their handling of the situation by economists, and I'd say it's for reasons glossed over in this article.
For anyone who thinks this sham is a victory, think again. Icelandic banks are not going to be able to do business in the UK, or Holland or the rest of Europe or the US for that matter unless they can prove that this wont happen again (by fully capitalised subsidaries for example). Icelandic banks will be treated like Agrentinians trying to sell you a bond.
Short term victory, long term pain, well done for shooting yourselves in the foot for those stupid enough to vote down the second referendum.
You do realize the Icelandic banks, now owned by the gov't, have repaid 90% of what was owed? They are making money again and Iceland's finances have improved dramatically. Your comparison is not very accurate.
While you're right to point out that the defunct bank has already repaid 90%, this bank isn't actually owned by the Icelandic government, although it's thanks to the Icelandic government's action that depositors were given priority.
No you are wrong, Iceland is doing better than most EU country's today. you should take a better look at EU banks that can behave like as holes knowing that taxpayers bail them out. A bankrupt banks should go bankrupt.
voting down the second referendum is not a problem for Icelanders and not for savers. The savers get there saving from the Landsbanki assets, according to law.
To bail out bankrupt banks like EU is doing is shooting yourself in the foot.
I agree that bankrupt banks should be allowed to go under. However, their shareholders and non admin employees should suffer while their depositors need protection.
Everything you just said is correct but nonetheless this judgement is wrong.
I wonder if, after Lemann Brothers, American banks can do business in Europe? The financial losses feel the same, whether they were orchestrated by Icelandic or American banksters. And the Icelandic banks were a mixture of deposit taking banks and investment banks, a toxic mixture, which should not be allowed.
The Emergency Law that gives depositors priority was passed on the eve of Landsbanki's bankruptcy in the knowledge of what was about to happen, so it must be liable to challenge as an ex post facto law.
The Icelandic government did not leave the Uk depositors in the cold, even if it could not secure immediate access to their deposits. It granted deposit priority to the bankruptcy estate. This secures the UK tresaury/UK deposit guarantee system MORE refunds, and a better deal overall, than the EU Directive (without deposit priority) would have provided.
It discriminated against savers on the basis of nationality. This was after seizing assets in the UK and Netherlands that had been purchased using money belonging to UK/Dutch savers. We trusted Iceland to treat us all the same! Just means Iceland will never join the EU even if one day it wants to in order to get more of our money.
According to the judgment, Iceland did not discriminate against savers on the basis of nationality. Have you actually read the judgment? There is very little interest in joining the EU in Iceland at the moment, but if the Icelanders for some reason change their minds and decide to join, I don't think this issue will be a hindrance at all. The Icesave claims will be paid out in full by the actual debtor, the estate of the failed Landsbanki.
The UK deposit guarnatee system was always going to be liable for amounts between the 20 000 Euros and 50 000 pounds, since Landsbanki was had bought into the UK top-up guarantee.
The deposit priority, granted by the Icelandic governemnt, is securing the UK Deposit Guarantee Fund 100% of that money back, instead of just about 50% (roughly) had the deposit priority not been granted.
I can assure you that Icelanders have no intention of joining the EU in the future. Certainly the Icelandic government was wrong in discriminating against depositors by way of nationality. But all dopositors in this privately owned Icelandic bank´s Ponzy scheme should have known, that when seeking the highest possible returns, people can expect to get burnt. That is the rule of tumb in the capitalist system. We are talking about an incident happening within that system, aren´t we? The banksters are now leading protected lives, in London and Barcelona with the courtesy of the governments of the UK and Spain.
'The UK deposit guarnatee system was always going to be liable for amounts between the 20 000 Euros and 50 000 pounds,'
No it wasn't. The accounts were under Icelandic guarantee, not the UK and under the EEA passporting scheme were given the same cover as accounts in Iceland.
Iceland gave a gaurantee then reneged on it.
You write as if the Icelandic government gave the British and Dutch something, whereas they were actually cheating the non-deposit Landsbanki creditors - eg who bought bonds in good faith that Icelandic law made them rank pari passu with depositors in any Landsbanki bankruptcy liquidation. The Emergency Law that gives depositors priority was passed on the eve of Landsbanki's bankruptcy in the knowledge of what was about to happen, so it must be liable to challenge as an ex post facto law.
This is good news, a victory for people and producers over the debt propagators.
Nothing odd about this ruling going in Icelands favour. Just shows the bias the English media, including Economist, but excluding FT, have shown in this matter. Classic imperial behaviour. But Iceland has won England yet again with justice on its side (remember the cod wars).
Banks have no guarantee for being bailed out when in trouble, and in financial crisis countries don't have to bail out the rest of European bankers like Ireland did.
England should be sued for compensation by Iceland for its typical bullying imperial tactics in the Icesave saga.
How can this ruling (which legalises Icelands theft of money from UK and Dutch Savers to bail out their own economy) be considered in any way a victory?
What do you mean by "Iceland's theft"? The UK and Dutch governments compensated the savers immediately and acquired a claim on the Icelandic bank, which is paying back the entire debt. Such a good result for the UK and the Netherlands would not have happened but for the Icelandic government's intervention to give depositors priority.
The only theft is when UK did freeze the assets of the Central Bank of Iceland. And the big case is how EU, UK and Dutch government did try to blackmail Icelanders to pay for this illegal claims.
EFTA is 100% in favor of the Icelandic arguments = Victory.
@Omricon: So you think if someone makes a bad investment decision and is not bailed out by the public that is theft? I always though that's what capitalism was all about! Well, I guess what I've been taught about capitalism is only valid as long as those doing the teaching are on the winning side, if they loose they prefer socialism. Clever!
Well put!
The court, and hence its ruling, is a joke. Its judges are drawn from Liechtenstein, Iceland and Norway. Since you mention the cod wars, the situation is like having a court drawn from Spain, Britain and Germany ruling on Iceland's fishing limits.
Lesson: Borrow from foreign banks in your country, but keep your deposits in domestic banks
Banks have to fail in order to fix the economy. Hurray for Iceland refusing to knuckle under to the corporate bankers in government
Except thats not what happened!! They only refused to knuckle under when it came to UK/Dutch savers. The Iceland savers were fully protected.
You are wrong, there is no discrimination between savers, as ruled by the EFTA court.
A recital to the verdict:
"200 Moreover, as regards the second plea, the defendant argues that there has been no
discrimination whatsoever in the manner in which the deposit-guarantee fund
itself has operated. The two groups compared by ESA, depositors with domestic
branches and depositors with foreign branches of Landsbanki, have been treated
equally. None has received any payments under the guarantee scheme."
That ruling is a joke. The court argued that because the transfer of domestic deposits to a new state-owned bank had been made before the Icelandic bank regulators had formally declared Landsbanki deposits unavailable on October 27, 2008, the domestic depositors had never been in a position to need deposit insurance. This was despite the fact that the court acknowledged that Landsbanki collapsed on October 7 and the decision to transfer domestic deposits was made on the October 9, under an "Emergency Act" passed by the Icelandic parliament on the October 6, by which time the failure of Landsbanki was inevitable, meaning that the deposit transfers were plainly ex post facto.
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Basic InformationName: Montblanc Noland
Nickname: King of liars
Gender: Male
Age: 29
Clan: N/A
Looks: Noland is a brown haired man whose most distinct feature is a large chestnut on his head. He is well built man who often wore a high-collared black coat, closed by a belt, and an orange scarf(on times when he's not in his classic Iwa ninja attire, that is).
Personality: Noland is a honest and fine man who's brave and cares about people, despite what people say about him. He is happy-go-lucky, has a strong determination and is friendly. His only flaw seems to have been acting without consulting people on things however he only did what he thought was best for people. Something else which deserves recognition from him, is of course, his laziness.
Village Info.Village of Birth: IwagakureYour ninjutsu:
Village of Alliance: Iwagakure
Rank//Chakra Info.
Ninja Rank: Sage(post count)
Specialty: N/A
Elements: C-rank
Earth Release
Background Info.History: Montblanc Noland has been a ninja for some time, though not much has come of him, in anyway and that can easily be credited to his laziness. He passed from the ninja academy quite long ago, and does not remember much of it, not that he had anything good to remember. At first, he couldn't find a Sensei and after a period of two months of searching he found Keotsu, who taught him Doton. Having not much time to train, Keotsu then set the reins of training to his Senpai, Light.. who now teaches Montblanc Noland. Among his uneventful ninja life, there is little else worth mention.
Theme Song and Background Music:
Won: N/A
Lost: N/A
~Approved~ I'm pretty sure that chestnut is just his hair >.>

subset: commoncrawl


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Harley Davidson Sportster 883
If you have rented from us before, please log in to see your discount rates.
Bike Description
Elegant Harley styling in a nice small package. This classic American bike is at home cruising Highway 1 or the local downtown strip.
Rental Rate (Per Day)
- 1-2 Days
$99 - 3-9 Days
-10% - 10+ Days
Your Rental Rate (Per Day)
- 1-2 Days
$89.10 - 3-9 Days
-10% - 10+ Days
Winter Rates (November‑March)
- 1-2 Days
-15% - 3-9 Days
-25% - 10+ Days
Rental Rates Include
- Liability Insurance
- Unlimited Free Miles
- 24 hour Emergency Road Service
- Additional lock
- Touring Suggestions and Map
- Luggage Storage
Bike Specs
- Displacement
- 883 cc
- Horsepower
- 52 hp
- Weight
- 563 lbs
- Seat Height
- 27.3 in
- Tank
- 2.1 gal
- Saddlebags
- yes
- Windshield
- avail
- Luggage Rack
- no
- Top Case
- no
Add-on Accessories (Price per day)
- $6
- Helmet
- Inc.
- Side Cases
- $5
- Tankbag
- $15
- BMG Jacket or Pants
- $25
- Combination of Jacket, Pants and Helmet
Please note: the price we show is the actual price. An 8.75% San Francisco sales tax and a $39 cleaning fee for rentals 3 days or longer is all we add.
We do not surprise you with mandatory insurance charges, hazardous waste fees, rally/event surcharges, booking fees, VIP memberships, or ACA tariffs.
One Way Rentals Available
Please call for details.
Rental Special
Save 10% on Your Next Rental!
Repeat customers get 10% off all future rentals. Log in to see your discount rental pricing.
Additional Coverage Options (per day)
- $25.00/day
- CDWI - Collision Damage Waiver I Lowers Renter's Liability for physical damage to the motorcycle to $2500. — Includes tire and labor for flat tire repair.
- $29.00/day
- CDWII - Collision Damage Waiver II Lowers Renter's Liability for physical damage to the motorcycle to $1500 — It includes tire and labor for flat tire repair and up to $150 in tow fees. (Not available on BMW R1200RT or Ducati Multistrada)
- $9.00/day
- SLI - Supplement Liability Insurance is additional Liability Insurance above CA requirements and up to $300,000.
- $9.00/day
- Theft protection is available in combination with CDW I or II. The same deductible applies.
Motorcycle Rental Details
Reservation: Advance reservation is required, see our reservation form. One or two day rentals can only be confirmed three days prior to pick up time. Three day or longer rentals will be confirmed after we have received your completed reservation form.
Drop-off hours: Monday through Saturday from 9 a.m. to 5:30 p.m. A drop off outside of our regular business hours can be arranged and an additional charge will apply.
Cleaning fee: of $39 will be charged on motorcycle rentals of three days or longer.
Requirements and deposit: Our insurance requires that motorcycle renters be at least 25 years old, have a valid motorcycle license and at least two years experience riding motorcycles 450cc or larger. A refundable $2500 deposit, made on a credit card, is required when signing for the motorcycle. By accepting the CDW II, this deposit is lowered to $1500.
All passengers need to sign a Release of Liability before they are allowed on the motorcycle.
Rates are quoted in US dollars. Rates do not include current San Francisco sales tax. Subject to change without notice.
Deposit and Rental Policies
RESERVATION DEPOSIT: A Reservation deposit is required to reserve the motorcycle. Accepting this deposit agreement, authorizes Dubbelju to charge your credit card $50 (for 1-2 day rentals) or $300 (for 3+ day rentals), PLUS all one-way charges if applicable for the reservation of the motorcycle indicated above.
DAMAGE DEPOSIT: A $2500 security damage deposit on a credit card is required to cover the cost of damages to the motorcycle and must be deposited at the rental center when signing for the rental motorcycle. Motorcycle renter must be the cardholder. The deposit can be reduced to $1500 by accepting the CDWII and is returned in full when no accident occurred and the undamaged motorcycle is returned.
CANCELLATION and REFUNDS: I/We understand that deposits for any reservation of motorcycles for which DUBBELJU receives notice of cancellation at least 31 days before pick up date of the motorcycle will be subject to a fee of 10% of the rental price, but not less than $150, as liquidated damages. Deposit balance may be put towards future rentals (we do not give refunds). If a cancellation is received 30 days or less prior to rental date, 50% of the rental price, but not less than $300 will be forfeited; if received on day of departure or no-show, 100% of the rental price will be forfeited as liquidated damages. 1-2 day rental cancellation fee is $50 unless it is the same day (no show) in which it is the cost of the rental. Modifications to reservation are subject to a $25 handling fee.


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John Linder on TechnologyRepublican Representative (GA-7) |
Proponent's argument to vote Yes:Rep. RICK BOUCHER (D, VA-9): Fully 6.5 million households are totally unprepared for the transition on February 17; these 6.5 million households will lose all of their television service, and that number represents about 5.7% of the total American television viewing public. If almost 6%of the nation's households lose all of their television service, I think that most people would declare that the digital television transition has been a failure. In recognition of that reality, this legislation would delay the transition until June 12.
Opponent's argument to vote No:Rep. JOE LINUS BARTON (R, TX-6): The majority is trying to fix a problem that I do not think really exists. We have sent out 33 million coupons: 22 million of those coupons have been redeemed, and 11 million coupons are outstanding. The outstanding coupons are being redeemed, I think, by about 500,000 a week, something like that. In my opinion, you could keep the hard date and not have a problem, but if you think there is a problem, it is not from lack of money. We have appropriated $1.3 billion. About half of that is still in the Treasury, so the redemption rate is only about 52%. Even though we are delaying this until June 12 if this bill becomes law, according to the acting chairman of the FCC, 61% of the television stations in America are going to go ahead and convert to digital. 143 television stations already have converted, and in those areas where they have converted, I am not aware that there has been a huge problem.
Veto message from President Bush:
This bill lacks fiscal discipline. I fully support funding for water resources projects that will yield high economic and environmental returns. Each year my budget has proposed reasonable and responsible funding, including $4.9 billion for 2008, to support the Army Corps of Engineers' main missions. However, this authorization bill costs over $23 billion. This is not fiscally responsible, particularly when local communities have been waiting for funding for projects already in the pipeline. The bill's excessive authorization for over 900 projects and programs exacerbates the massive backlog of ongoing Corps construction projects, which will require an additional $38 billion in future appropriations to complete. This bill does not set priorities. I urge the Congress to send me a fiscally responsible bill that sets priorities.
A bill to prevent the Federal Communications Commission from repromulgating the fairness doctrine. Amends the Communications Act of 1934 to prohibit the Federal Communications Commission (FCC), notwithstanding any other provision of any Act, from having the authority to require broadcasters to present opposing viewpoints on controversial issues of public importance, commonly referred to as the Fairness Doctrine.
| ||||
2010 Governor, House and Senate candidates on Technology: | John Linder on other issues: | |||
GA Gubernatorial: Sonny Perdue GA Senatorial: Johnny Isakson Mike Thurmond Saxby Chambliss Special elections in 111th Congress: GA-9:Deal(R) Jun.2010:Graves(R) PA-12:Murtha(D) May 2010:Critz(D) HI-1:Abercrombie(D) May 2010:Djou(R) FL-19:Wexler(D) Apr.2010:Deutch(D) CA-10:Tauscher(D) Nov.2009:Garamendi(D) NY-20:McHugh(R) Nov.2009:Owens(D) CA-32:Solis(D) Jul.2009:Chu(D) IL-5:Emanuel(D) Apr.2009:Quigley(D) NY-20:Gillibrand(D) Mar.2009:Murphy(D) |
Senate races in 2010: AK:Miller(R) vs.McAdams(D) AL:Shelby(R) vs.Barnes(D) AR:Lincoln(D) vs.Boozman(R) AZ:McCain(R) vs.Glassman(D) CA:Boxer(D) vs.Fiorina(R) vs.Lightfoot(L) CO:Bennet(D) vs.Buck(R) CT:Blumenthal(D) vs.McMahon(R) DE:Coons(D) vs.Castle(R) vs.O`Donnell(R) FL:Rubio(R) vs.Crist(I) vs.Meek(D) vs.DeCastro(C) vs.Snitker(L) vs.Bradley(V) GA:Isakson(R) vs.Thurmond(D) HI:Inouye(D) vs.Cavasso(R) IA:Grassley(R) vs.Conlin(D) ID:Crapo(R) vs.Sullivan(D) IL:Giannoulias(D) vs.Kirk(R) IN:Ellsworth(D) vs.Coats(R) KS:Johnston(D) vs.Moran(R) KY:Conway(D) vs.Paul(R) LA:Vitter(R) vs.Melancon(D) MO:Carnahan(R) vs.Blunt(D) MD:Mikulski(D) vs.Wargotz(R) NC:Burr(R) vs.Marshall(D) ND:Potter(D) vs.Hoeven(R) NH:Alciere(R) vs.Ayotte(R) vs.Hodes(D) NV:Reid(D) vs.Angle(R) NY6:Schumer(D) vs.Townsend(R) NY2:Gillibrand(D) vs.DioGuardi(R) OH:Fisher(R) vs.Portman(D) vs.Deaton(C) OK:Coburn(R) vs.Myles( OR:Wyden(D) vs.Huffman(R) PA:Toomey(R) vs.Sestak(D) SC:DeMint(R) vs.Greene(D) SD:Thune(R) vs.Berry(D) UT:Lee(R) vs.Granato(D) VT:Leahy(D) vs.Freilich(D) WA:Murray(D) vs.Rossi(R) WI:Feingold(D) vs.Johnson(D) WV:Manchin(D) vs.Raese(R) |
Budget/Economy Civil Rights Corporations Crime Drugs Education Energy/Oil Environment Families/Children Foreign Policy Free Trade Govt. Reform Gun Control Health Care Homeland Security Immigration Infrastructure/Technology Jobs Principles/Values Social Security Tax Reform War/Iraq/Mideast Welfare/Poverty Main Page Profile GA politicians |


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The spine is the vertebral column, or the series of bones in the back that allows for stiffness and movement in the body. These bones provide connection points for other muscles and bones. Most importantly, the spine encloses the spinal cord, which contains the nerves that carry messages between the brain and body.
The spinal column is divided into several segments:
Virtua's Spine Program offers a wide range or surgical and non-surgical treatment options for neck and back conditions. This includes everything from minimally invasive surgery to physical rehabilitation.
Virtua's Spine Program was the first program to be accredited in the Northeast region by the prestigious Joint Commission. The Joint Commission accreditation is recognized nationwide as a symbol of quality that reflects an organization's commitment to meeting certain performance standards. Virtua's Spine Program is led by a dedicated spine panel comprised of Virtua surgeons who set standards, monitor quality and provide excellent outcomes for patients.
Virtua Memorial Hospital has been designated an Aetna Institute of Quality (IOQ) for its spine surgery program. Designated IOQ facilities demonstrate excellence in care, a commitment to continuous improvement and represent an exceptional value to its members. The goal of Aetna's IOQ is to assist members in choosing facilities that provide consistently high-quality and high-value care.
Virtua offers advanced care for acute and chronic back, neck and spine diseases, disorders and injuries including:
Virtua surgeons perform more than 1,000 spine procedures each year. Virtua also emphasizes education for patients and families about rehabilitation and recovery.
Virtua locations specializing in Spine
Questions? Call 1-888-VIRTUA-3 (847-8823)


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How can I configure proxy with authentication ?
I have tried "phoronix-test-suite network-setup" - it says proxy setup failed.
My proxy server needs authentication, where can i specify them?
Michael Larabel
Yes i have tried. But i don't find any xml tags for user name and password.
Can you confirm are they any tags for authentication.


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Ree_Giuffre Sheree Giuffre
Follow Ree_Giuffre28-year-old Female living in Lovely Banks, Victoria Australia
(26) Travelling with Scottie (27) We love to stay fit & healthy and enjoy exploring the world ! Always up for a good time :) This will be our first Contiki adventure and we look forward to making a bunch of new friends. Feel free to add me on instagram ~ ree_giuffre xx
Level 1 Traveler
1 tour
0 countries


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Herzing University's business program prepares you for today's challenges and tomorrow's opportunities. We work with industry leaders to ensure that our program is relevant to the changing needs of businesses. Each degree is designed to give you the management skills, practical knowledge, and organizational competencies necessary to succeed in today's competitive marketplace.
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text: Your Shopping CartYou have just added Carrier Ethernet Service & Technology Trends & Issues: Europe to your cart.This page shows the items you have in your cart. You may update quantities, or add a promotional code by typing in the boxes provided and clicking the Update button. If you are ready to pay for your order, click the Proceed to Checkout button. If you wish to continue shopping, please click the Continue Shopping link below. Click Here to Continue Shopping |


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text:
Rebecca McMillen, M.F.A., Ph.D. candidate
What programs do you teach in?
Traditional undergraduate courses:
- Art Appreciation
- History of Western Art I
- History of Western Art II
- Art and Religion
- World Art
- Exhibition & Gallery Design
- Museum Studies
- Modern & Contemporary Art
- Introduction to Art Industry
- Art Industry Entrepreneurship
- Project in Art
- Internship in Art
Degree completion courses:
- Art Appreciation
- Art Around the World
Scholarly Interests
My current research focuses on art museum education, in particular, museum accessibility for people with disabilities. I am also interested in the social role of the museum in fostering social inclusion. I have written several articles on these topics in addition to co-authored articles with my husband, on topics such as the legal aspects of sport sculpture, sport celebrity portraits, and the art of sport law.
Professional and Service Experience
I have been an instructor in higher education for the past 8 years and have been the director of the art program at Fresno Pacific University for 5 years. During this time, I wrote the proposal for the new art major which has been approved and for the first time, students at FPU can now major or minor in art. Along with administering the program, I also teach a number of courses for undergraduate art students along with advising and teaching students completing the individualized masters degree in art.
I have developed and taught several online art history courses at previous universities and am currently teaching an online version of Art Appreciation for FPU degree completion students. I use web-centric platforms, such as Moodle, in my traditional undergraduate courses and I have began to teach some online courses for FPU traditional undergraduate students.
I have been a guest lecturer for FPU freshman JCC courses where I presented the topic, "Images of Christ" and discussed the changing and varied imaged of Christ through history. I was also a JCC mentor for freshman students. In addition, I have guest lectured at Azusa Pacific's Sierra Semester at Bass Lake Campus where I taught classes on art of the Baroque, Rococo and Romantic eras.
I have written several articles and presented "The Art of Sport Law" at the 2004 Sport & Recreation Law Association conference where I discussed the history of sport art. I am also currently working on completing my doctorate dissertation.
Honors and Awards
Artists and Author's Award, Bowling Green State University: recognized for outstanding achievement of research for "Artists and Athletes: Balancing the First Amendment and the Right of Publicity in Sport Celebrity Portraits," with J.D. McMillen, in Journal of Legal Aspects of Sport, Summer 2004
Professional Affiliations
- College Art Association
- Museum Education Roundtable
- Program Council for Continuing Education
- Museums Australia
Personal Experiences
During my first semester as faculty member and director of the art program, I juried the FPU Fall 2007 student art exhibit.
In the Spring of 2010, along with McClain High School staff, I helped co-ordinate the exhibition "Whispers from the Streets," an art exhibition which tells the story of homelessness. The exhibition was recognized in the local press and media for its aid in promoting homelessness awareness. This exhibition has helped build strong relations with McClain high school and other local high schools.
Other local art collaborations I have been involved with include the introduction of student internships and volunteer work at the Fresno Art Museum (FAM) along with the design of some FPU art classes with strong FAM involvement.
I have also helped in securing student participation in scholarship applications through the Fresno Fiber Guild, helping bring about awareness of the FPU's art program and further student interest in fiber art.
Art Hop is a local art event run by the Fresno Art Council and in 2010 I have been active in establishing FPU as an official Art Hop site for the regular exhibition of art by students, staff and local artists.
Publications and Presentations
- "The Inclusive Art Museum: Determining Disability Access," with R. McMillen, in The International Journal of the Inclusive Museum, 2012
- "Diverse Audiences: Disability Access and the Art Museum," with R. McMillen, in Fresno Pacific Journal, 2011
- "Sport Marketing and Trademark Law: Are the Dallas Cowboys Really 'America's Team?'" with J.D. McMillen in Sport Marketing Quarterly, 2009
- "Control of university sponsored sporting events - the conflict between sport artist's freedom of expression and university owned trademarks," with L.M. Benedict and J.D. McMillen in Journal of Legal Aspects of Sport, Summer 2007
- "The Legal Aspects of Sport Sculpture," with J.D. McMillen, in Willamette Sports Law Journal, Spring 2005
- "Artists and Athletes: Balancing the First Amendment and the Right of Publicity in Sport Celebrity Portraits," with J.D. McMillen, in Journal of Legal Aspects of Sport, Summer 2004
- "The Art of Sport Law," with J.D. McMillen, in Sport & Recreation Law Association Newsletter, March 2004
- "The Bedroom," a Student and Teacher Programs brochure published by the Department of Museum Education, Art Institute of Chicago, September 2001
- "Word," in Artwrite Magazine, June 1999 (under maiden name, Atkinson, R.S.)
Recommended Resources
- The Story of Art by E.H. Gombrich, published by Phaidon Press Ltd, London, 1995
- How Art Made the World: A Journey to the Origins of Human Creativity by N. Spivey, published by Basic Books, New York, 2005
To find out more and to get involved in the Fresno Arts community, check out:
- FPU Art Department's Facebook page: Fresno Pacific University Art Department
- http://my.fresnoarts.net/
Other Information
My thoughts on art:
- Art challenges us to think outside the box, to explore alternative avenues than those normally travelled, to express ourselves creatively. Art is very much a part of our everyday lives, whether expressed in a painting on a wall, a three-dimensional sculpture, a website design, an architectural plan for a house or the design of a football team logo. All these things begin with a design and creative plan carried out by the skills which bring them into fruition. It is through artistic expression that we can face the challenges life throws at us in finding creative answers and solutions.
- Regardless of the career path that FPU students choose, being able to tap into and utilize one's creativity will serve students well for implementing all skills and areas of interest and expertise.


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On Tap Today: The 12/12/12 edition
Some say today -- the date is 12/12/12 -- could mark the end of the world.
No word yet on fate of Michelle Shocked show at Madison bar
Michelle Shocked's May 4 show in Madison - the last remaining gig on her tour, after anti-gay comments at a concert over the weekend led the rest of the venues to cancel the alt-folk singer's shows - is still on, at least for now.
The Capitol Times in Madison reports that the Harmony Bar in Madison is waiting to make a final decision on the show until the bar's owner, Keith Daniels, returns from an out-of-town vacation late next week. »Read Full Article


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Where do you need a Ventriloquist?
Ashburn Leesburg Herndon Reston Germantown Fairfax Gaithersburg Rockville Manassas BurkeSelect your location to browse and book the best available Ventriloquists near you.
Select your event location in Rowan County North Carolina:
Why book Ventriloquists
Who do you think you're callin' a dummy? Oh… you're just looking to hire a ventriloquist and their dummies for your next event? What a good choice! You'll be amazed at how these ventriloquists can manipulate their voices without even moving their mouth! And they are a perfect entertainment choice for basically any type of event. Kiddos will love a family friendly and even educational ventriloquist for their next birthday party, and you and your friends can enjoy a ventriloquist with more adult comedy at your next private or corporate event.
Click here to get quotes from Ventriloquists near you!
About Booking Ventriloquists
Hiring a ventriloquist is a great way to liven up your next holiday party, corporate event, picnic, festival, fair, or banquet. Comedic style ventriloquism first began in the late 19th century, and since that time, ventriloquists have amazed audiences with their voice manipulations and comedic puppet and dummy humor. Whether you want a clean comedy ventriloquist act for your child's party or a well-experienced ventriloquist that will add humor and inspiration to your next company event, GigSalad will connect you with ventriloquists in your area to help make your next event a success.
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Top Definition
Is usually a man/woman who is your superior and is in charge of managing you while you are employed at a company. This person is responsible for making you work for minimal pay and keeps spoon feeding you a small pay check to keep you in line and preventing you from having the courage to finally quit your job, thus ensuring you stay imprisoned in a zombie like state coming into the prison that is your work everyday. After your boss's boss sees how much productivity he/she can get out of his/her employees by minimizing pay and maximizing work, he/she will be given more money, none of which you should expect to see.
Your boss called, he wants you to work overtime on Saturdays.
The Good Employee tarafından
8 Temmuz 2009, Çarşamba
1 more definition
Is an asshole
your boss is also self-explanatory
your best idiot tarafından
5 Nisan 2010, Pazartesi


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Kohler K-1158-HB-47 Almond Bancroft Collection 65-7/8" Drop In Jetted Whirlpool Bath Tub with Reversible Drain
Contact us for best available pricing on all Kohler!
We want to help make your remodel easy and affordable! Please call or chat during business hours using the links at the top of our site to take advantage of this special offer.
Offer Ends 5/8/2015
Technical Specs
Specification Sheet | |
Installation Guide | |
Rough-In Guide | |
ADA | No |
Amperage | 11 |
Apron | No |
Apron Front | No |
Basin Length | 30 |
Basin Width | 46 |
Blower | No |
Capacity (Gallons) | 95 |
Controls | Electronic |
Country Of Origin | USA |
Depth | 16 |
Drain Placement | Left, Reversible, Right |
Heater Included | Yes |
Height | 22 |
Horsepower | 1.5 |
Installation Type | Drop In |
Length | 66 |
Lighting | No |
Made in America | Yes |
Material | Acrylic |
Number Of Bathers | 2 |
Number of Jets | 8 |
Overflow Height | 16 |
Pump Placement | Left, Right |
Speeds | Variable |
Theme | Traditional |
Top Area | 57 x 34 |
Tub Shape | Rectangular |
Tub Size | Over 60 Inches |
UL Listed | No |
Voltage | 240 |
Width | 42 |
This product has additional required/recommended options. To configure, add to your cart.
Trim Kit Required
Product Features:
- Kohler tubs are fully covered under warranty for up to a year after installation
- All jets are fully adjustable for water intensity and direction of flow
- Jets can be turned off completely
- Finger pads on outer ring for easy adjustment
- Shallow recess for ease of cleaning
- Tub is constructed from an Acrylic material making it strong and flex resistant
- Whirlpool hydrotherapy tub - provides one of the most relaxing and invigorating bath experiences available
- The relaxing experience provided by Bancroft helps to center your mind and release tension in your muscles
- Bancroft draws its simple elegance from early 1900's American architecture
- Variable-speed whirlpool with 8 fully adjustable color matched jets offers optimum performance and value
- Hydro-massage flow and direction that can be controlled at each jet
- Installs in a drop-in configuration
- A built-in heater keeps the water at the desired temperature as the user enjoys a long soak without the water getting cold
- Product Meets or Exceeds the Following Codes/Standards: ASME, UL, CSA, ASTM
- This tub coordinates seamlessly with other products from the Bancroft Collection
Product Technologies and Benefits:
- Acrylic Material - A strong, flex resistant material with a smooth finish that resists chipping and cracking, as well as being easy to clean.
- Whirlpool Tubs - Kohler Whirlpool tubs are designed to deliver powerful jets of water and air that are fully adjustable in direction and massage intensity, thus allowing your own personal massage.
- Built-In Heater - A Built-In Heater works to keep the water warm as it recirculates throughout the intake and whirlpool jets where the water would typically bleed off heat.
Product Specifications:
- Overall Height: 22" (measured from the top of tub rim to the bottom of basin)
- Overall Width: 41-3/4" (measured from back most to front most point on outer rim)
- Overall Length: 65-7/8" (measured from left most to right most point on outer rim)
- Basin Width (Bottom): 30" (back to front measurement of the bottom of basin walls)
- Basin Length (Bottom): 46" (right to left measurement of the bottom of basin walls)
- Basin Width (Top): 34" (back to front measurement of the top of basin walls)
- Basin Length (Top): 57" (left to right measurement of top of basin walls)
- Water Depth: 16" (depth of water at tub's maximum capacity)
- Maximum Water Capacity: 95-gallons
- Drain Location: Reversible (right or left)
- Pump Voltage: 240V
- Heater Voltage: 240V
Gracious living is characterized by qualities of charm, good taste, generosity of spirit and the enhancement of nature. It is Kohler's mission that you can improve your sense of gracious living with every experience you have with a Kohler product or service.
With everything that Kohler does it lives on the leading edge of design and technology, while maintaining a constant level of quality regardless of price. Kohler sets the standard of excellence in its field, and yet is constantly striving to improve.
From sustainable products in the kitchen and bath, to engines for lawn tractors and generators, to power systems that protect data centers and urban landscapes all over the world; this is what the Kohler Company is all about.
Additional Kohler Links
- View Manufacturer Warranty
- Shop All Kohler Products
- Shop All Kohler Bancroft Collection Products
- Buy Replacement Parts For Kohler K-1158-HB
Our SKU: K-1158-HB
This product is listed under the following manufacturer number(s):
- Almond
K-1158-HB-47 - Biscuit
K-1158-HB-96 - Black
K-1158-HB-7 - Cashmere
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K-1158-HB-NY - Ice Grey
K-1158-HB-95 - Innocent Blush
K-1158-HB-55 - Mexican Sand
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K-1158-HB-52 - Sandbar
K-1158-HB-G9 - Seafoam Green
K-1158-HB-71 - Skylight
K-1158-HB-6 - Sunlight
K-1158-HB-Y2 - Thunder Grey
K-1158-HB-58 - Timberline
K-1158-HB-97 - White
K-1158-HB-0 - Wild Rose
*Denotes a finish or option that has been discontinued
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A large or Smallmouth bass weighing over 5 pounds in weight. Mostly reffered in the south as a Fence Panda
I was fishing lilipads at a nearby lake yesterday and caught a fence panda, you should have seen the size of this fish.
Por Yellow Thunder 21X
20 de julio de 2011


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Spanish clothing giant Inditex, which operates the Zara fashion chain, has booked a 27% jump in profit in the first nine months of its financial year, helped by international expansion.
SPAIN: Profits rise 27% at Zara owner Inditex
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love your blog with my morning coffee each day. how do you find the energy to write (well and coherently) at the end of such a fun-filled day?! love, w
Vulcan on the volcan?
Trip Start
Apr 08, 2012
Trip End
Apr 13, 2012
Where I stayed
The volcano is an active composite volcano (built up over time with layers), which has spewed ash and gas during large eruptions in the 1950s. Now it has releases steam and gases on a regular basis. It is 8,860 feet above sea level. You can visit two calderas, which are depressions at the top of the volcano. One is active, the other has a lagoon and is surrounded by forest. It is like going from a moonscape to a landscape!
Our travels began on a local bus to Alajuela, which we caught just across the highway from our hotel. Poor Emily, who speaks Spanish best, always gets pushed forward to pay the bus driver or ask for directions. She has been a great guide so far! Alajuela is quite the bustling city, with a very busy bus station. We met a retired teacher and her husband who live outside of Cambridge, England when they are not globe-trotting for months at a time. The bus up to the National Park winds its way up the side of the mountain on a rather narrow road for two-way traffic. The views of the Central Valley are breath-taking. The homes at the beginning of the journey are close together, have metal grates over the windows and gates around the parking areas as well. Businesses have rolls of barbed wire around the edges of their property. Most of the roofs are metal, and many of the homes are colorful. As the altitude increases, the defenses around the homes decreases, but most homes still have some kind of gate/grate arrangement.
The land itself changes to agricultural as you ascend - coffee plantations, cattle farms, flower plantations, and strawberry growers are all visible as the bus chugs and swerves towards the top. Often, there are eroded banks along the road, and towards the top a smattering of tourist shops. There was definately something to see out the window at all times! The bus driver only seemed to know the English phrases he needed to communicate at each important point in the process. He actually made a volcano by putting his index fingers into a mountain shape while saying "Volcan" to let us know we had the right bus. If you ever take the bus, I'd suggest sitting in a window seat on the side which is not directly behind the driver, making sure to be in a spot where the open window will be in your space - good for the breeze and for photo opportunities out the window! We had a stop on the way up at a souvenir shop/fruit stand where we bought fresas fresca (fresh strawberries)l met a friendly dog, and watched the neighbor across the street lead his cow on a rope.
The day was picture-perfect: sunny and breezy. The walk to the volcano is paved, and lined with tropical plants, the most notable being the huge-leafed "Poor man's umbrella" plant. The forest of the park are protected. There are 4 main habitats: cloud forest, rainforest, stunted forest and areas with scarce vegetation around the crater. The gases released from the volcano are very acidic - you can smell the sulfer at the edge of the crater- and act to kill vegetation or stunt its growth just as concentrated acid rain would.
Our first view of the active caldera was amazing - although it often gets obscured by clouds combined with its own steamy emissions, it was totally clear and in the sun. The landscape inside the crater is without vegetation, but the colors and textures are varied. There are reds, dark greys, touches of yellow, white and red. The pool of water is a unique turquoise blue, and the steam coming from its side is snowy white. Textures range from the puffy steam cloud and smooth water surface to eroded areas that look like the sand tray experiments in our classroom. It is as amazing a piece of earth as I have ever seen!
We climbed the steep, concrete path up to the lagoon, passing through our first bit of trail through a forested area. Here we began to see epiphytes - plants that grow on other plants, taking advantage of sunny spots. There is lots of moss, and all kinds of ferns and delicate plants. It actually gets quite dark on the trail in spots where the non-leafy branches of the trees close in over you.
The lagoon itself is a bit of a tease - after a hot walk up the trail, it looks like such an inviting place to swim, but, of course, is off limits. Instead we found a spot for a picnic lunch (who knew how much the kids like corn tortillas?), where some very persistent and pesky squirrels got bolder the longer our food seemed to be available. At one point, when Bob was trying to shoo the squirrel with his foot, he actually kicked it by mistake and sent it scrambling through the air straight at Emily. With that, we packed up our lunch prematurely! Tourists in national parks who feed wildlife the world over create pests!!!
We saw some interesting birds (none cooperative enough to pose for my camera) including hummingbirds along the loop trail back to the visitor's center. I fell in love with individual trees and small patches of vegetation which would be the envy of many a gardener. I really did take too many pictures to post here, but I will upload some. I'm a bit sad about the ones of epiphyte-laden trees that appeared wherever there was an opening in the forest - the tropical sun was just too bright for my camera.
Speaking of the sun, we were happy to notice that even the sun tells us that we are not at home. Since we are much closer to the equator here, the sun is just about directly overhead at noon. We took some photos of our very small shadows to show what it is like where the sun is closer to a 90 degree angle in the sky.
Today is the 85th birthday of a very special man. I'm pretty sure your day wasn't as spectacular as ours, Dad, but we're glad to have seen you so close to your special day.
Tomorrow? Off to the rainforest, this time in a taxi-bus-taxi travel extravaganza!
It is my devoted reader that keeps me going! Actually, the sun sets at 6 and we don't partake of the night life, so.....
Last night while I was writing, Bob and Emily met a woman who paints murals in hotels around the world for airfare and room/board. She was painting in this hotel, which is quite decorated!


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Goodwill opening Brookfield store on Blue Mound Road
A Goodwill store will be opening in Brookfield, the first such store for that community.
Goodwill Industries of Southeastern Wisconsin Inc.'s plan for the store and donation drop-off center, at 18605 W. Blue Mound Road, was approved by the Plan Commission at its Monday night meeting. The Common Council will review the proposal at its Dec. 18 meeting.
Goodwill is buying the 21,000-square-foot building from a Chicago-area real estate investment group, with the purchase to close by the end of December, said Cheryl Lightholder, the nonprofit group's communications manager. »Read Full Blog Post(11)
Jennings steps up with 26 points
New York - Brandon Jennings loves to play in New York, whether it's a pickup game on the asphalt or a pro basketball game.
So the Milwaukee Bucks point guard lit up Sunday when he had a chance to play for the first time at the Barclays Center, the sparkling new digs of the Brooklyn Nets.
Jennings' stellar performance helped the Bucks build a 29-point lead, and they held off a frantic fourth-quarter rally by the Nets to grab a 97-88 victory before 16,390 fans. »Read Full Article(19)
Storm hits central and northern Wisconsin
A winter storm dropped several inches of snow across central and northern Wisconsin on Sunday, dampening Green Bay Packers fans at Lambeau Field and making roads slick.
The National Weather Service in Green Bay issued a winter weather advisory until late Sunday. Snowfall totals as of 10 p.m. included 3 inches in West Bend, 3.4 inches in Madison, 2.5 inches in Hartford and 2 inches in Jackson and Juneau, according to the weather service.
The state Department of Transportation reported several major highways covered with snow and slippery Sunday afternoon. Those roads included I-43 from Sheboygan to Green Bay; U.S. Highway 41 from Fond du Lac to Green Bay and farther north; and U.S. 45 from Fond du Lac to Appleton. »Read Full Article(4)
State purchase would protect 8,600 acres of forest
State officials are poised to complete two big land transactions in northern Wisconsin that will protect more than 8,600 acres of forest land.
The deals in Burnett and Douglas counties will add more acreage to the state's inventory of public land, which is open for fishing, hunting and other recreational uses and sustainable forestry.
The Douglas County land complements a blockbuster deal announced in March where the state is adding more than 67,000 acres to its inventory of protected land. »Read Full Article(18)
Bucks build big lead, hold off Nets' comeback
New York – The Bucks built a 29-point second-half lead and had to fend off a furious comeback by Brooklyn to grab a 97-88 victory on Sunday at the Barclays Center.
Brandon Jennings finished with 26 points and Monta Ellis added 24 for the Bucks (10-9), who won their second straight game.
Jennings added seven assists, six rebounds and five steals while playing 41 minutes.
The Nets pulled within 85-79 with 3:03 left but Ellis answered with a key basket on a drive and Marquis Daniels sank a three moments later to give the Bucks a 92-82 lead.
Gerald Wallace sparked the Nets (11-8) with 16 points and 16 rebounds and Deron Williams had 18 points and eight assists.
Daniels had 13 points and seven rebounds and Ersan Ilyasova added 10 ponts for Milwaukee.
"They're a great team and we knew they weren't going to go down easy," Daniels said. "That's a good win for us. We kept our composure. We could have easily dropped our heads and went down the other road.
"We battled the wave and we came out with the victory."
Jennings admitted he was up for the challenge of going against, Williams, the Olympian and all-star point guard.
"Playing one of the best point guards in the NBA, you can't let him get in his comfort zone," Jennings said. "My job tonight was just to pressure him as much as I can, try not to give him easy penetration or easy shots. And also make him work on the defensive end."
The Bucks also did a good defensive job against shooting guard Joe Johnson, who did not hit a shot until the fourth quarter and finished with six points on 2-of-8 shooting.
It was the Bucks' 12th consecutive victory over the Nets, their longest winning streak against any NBA team. And it came in their first appearance in Brooklyn at the spanking new Barclays Center.
The Nets dropped their third straight home game and fell to 5-1 at home against Eastern Conference teams.
Get complete coverage of the game later tonight at JSOnline.com and in tomorrow's Milwaukee Journal Sentinel. (11)
Payday lenders back in business with looser regulations
Madison - Payday lenders have wriggled out of state regulations that lawmakers put in place 2½ years ago, in part because Republicans last year loosened some of those restrictions.
Many of the lenders have shifted from payday loans that were good for as little as two weeks to what they call installment loans - high-interest loans that don't fall under payday lending regulations. Installment loans can have annual interest rates of 500% or more.
"This is an industry that just kind of morphs depending on the law to regulate them," said Stacia Conneely, a lawyer with Legal Action of Wisconsin who helps people who get behind on high-interest loans. »Read Full Article(198)
Apparent homicide victim in Janesville is identified
Janesville - Police have identified the victim of what they call an apparent homicide.
Traci Moyer, 46, was found dead in a house in Janesville early Saturday after she failed to return home as expected. Police say her estranged husband was taken to Mercy Hospital with unspecified medical issues.
The Janesville Gazette reported he was in fair condition Sunday after being listed in critical condition Saturday night.
Police have not said whether he's considered a suspect, but Deputy Chief Danny Davis said Saturday that there was no danger to the public.
Effort to replace Fox Point footbridge starts new phase
Fans of Fox Point's roughly 90-year-old footbridge begin the public phase this week of an effort that will help determine whether the now-closed 300-foot span will be replaced or perhaps simply allowed to decay and die.
After a monthslong effort, the nonprofit Footbridge Friends will launch a fundraising drive Wednesday aimed at collecting $625,000 toward the cost of replacing the Bridge Lane Ravine Footbridge.
A meeting by several longtime village residents that is expected to draw a crowd of 75 to 100 people who live closest to the bridge will be the first step in what will become a wider outreach to the village and the North Shore to save what supporters say is more a local treasure and public meeting place than an expanse over a ravine. »Read Full Article(16)
$11 million surplus projected for Milwaukee County
Milwaukee County is on track to finish the year with a surplus of up to $11 million, due in part to lower-than-expected employee health costs and a major reduction in transit rides for older people and people with disabilities, according to a comptroller's report.
The projected departmental surplus as of Sept. 30 was $8.7 million, according to a report by Comptroller Scott Manske. A revised calculation also showed the county's budgeted pension contribution for the year was now $2.5 million more than required.
Together, that comes to an $11.2 million surplus. »Read Full Article(57)
Alvarez: Next UW football coach will have to tell him if another program comes calling
Wisconsin athletic director Barry Alvarez said he plans to put a clause in the contract of the next UW football coach that requires the coach to inform Wisconsin if another school contacts him for a job.
Alvarez does not want to go through again what happened in the case of Bret Bielema. Alvarez said he was shocked when Bielema told him at noon on Tuesday in New York he had taken the job at Arkansas.
All of the UW assistant coaches have told Alvarez they will be with the team through the Rose Bowl, Alvarez said. »Read Full Blog Post(52)
Gas prices dropping nationally and in Milwaukee
Gasoline prices have dropped dramatically around the country over the past two months, according to the Lundberg Survey, and Milwaukee-area motorists are seeing lower prices as well.
Nationally, gas prices have dropped 46 cents a gallon over the past two months, according to Lundberg.
In Milwaukee, the average price of a gallon of gas on Nov. 21 was $3.42 a gallon. The current average price is $3.27, 15 cents lower, according to www.milwaukeegasprices.com
The same site reports one West Allis gas station selling gas for $3.17 a gallon. (11)
Packers fans: Are you suited for reality TV?
Reality TV fans may be getting a dose of Wisconsin culture soon with a show focused on Wisconsin's faithful football fans. Apparently producers from the Style Network were in Green Bay on Friday looking for the most vivacious Cheeseheads to cast for a pilot to be filmed by the end of the year.
Packers wives are currently featured in "The Better Half" on WLUK-TV (Channel 11) in five Wisconsin TV markets, but the NBCUniversal-owned Style Network would bring Packer pride to a cable TV audience on the heels of shows like "Jerseylicious" and "Big Rich Texas."
Boston Camerata recreates 'A Medieval Christmas' for Early Music Now
History has left us very few clues about what Christmas celebrations looked and sounded like in the Middle Ages.
For the musicians of the Boston Camerata, presented by Early Music Now at the St. Joseph Chapel Saturday, the lack of information inspired a melding of musicology and creativity in the creation of "A Medieval Christmas."
Using what little music and what few written descriptions of medieval European Christmas celebrations have survived, the group applied its deep understanding of life and music of the Middle Ages to reconstruction or reinvent music that has long been silent. »Read Full Article
Greinke gets his big pay day
Now you see why Zack Greinke wanted to test the free agent market.
Back in early July, when the Brewers were trying to keep Greinke from leaving as a free agent, they talked to his agent, Casey Close, about parameters of an extension. General manager Doug Melvin indicated the offer was for more than $100 million over five years but less than the five-year, $112.5 million extension the Giants gave Matt Cain in the spring.
Greinke and Close said no thanks and that was the beginning of the end of the pitcher's time in Milwaukee. Later in the month, the Brewers traded him to the Angels for three prospects to assure getting something back rather than one draft pick (if they made a $13.3 million qualifying offer). »Read Full Blog Post(97)
Two pedestrians struck by hit-run vehicle in West Allis
West Allis police are looking for the driver of a black or silver truck who struck two pedestrians early Sunday in the 7500 block of W. Becher St. and fled.
One of the two victims was taken to a hospital for treatment of what was described as nonlife-threatening injuries. The second victim declined medical treatment.
Police said the driver of the truck, believed to be a Ford or Dodge vehicle, was driving eastbound at 2:26 a.m. on W. Becher St. The driver hit the two while they were crossing the street. »Read Full Article(2)
PolitiFact: Testing County Board chair on worker health care costs
New today from PolitiFact Wisconsin:
Milwaukee County Board Chairwoman Marina Dimitrijevic says Milwaukee County employees are paying "much more" for health care than City of Milwaukee and state government workers.
We examine her claim. (1)
Milwaukee police investigating two overnight shootings
Milwaukee police are investigating two shootings that occurred Saturday night.
A 16-year-old Milwaukee girl suffered nonlife-threatening injuries after being shot at 9 p.m. in the 7900 block of W. Leon Terrace. Police are seeking two teenage suspects.
A 22-year-old Milwaukee woman suffered nonlife-threatening injuries after being shot in the 2200 block of W. Wright St. Police are seeking two teenage suspects.


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When your getting your all-up-ons with a slu at a club or party and you completely defile her in front of a large crowd. In most cases involves vomit or other bodily fluids.
"Buddy just puked on that chick!"
"Oh man, that bitch got dambro'd!"
de Lucien Montgomery
25 Martie 2009


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1987-12-16 Char-Koosta News |
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aposta fA news publication of the Saiish and "Kootenai Tribes of the Flathead Indian Reservation Chief Charlo of the Salish VOLUME 16, NUMBER 31 THE TRAPPING MONTH Chief Koostatah of the Kootenai DECEMBER 16, 1987 Three of five incumbents apparently lose re-election bids Ten of 12 general election candidates are resting easy now, more or less, because they know for sure whether or not they won in the Dec. 12 Tribal Council election. The other two, though — Louie Adams and Hank Baylor — get a few extra days of wondering because their final vote totals are so close that it's too soon to tell who really won that race until the contested and absentee ballots are counted Dec. 16. A little over 900 Tribal members showed up at the polls last Saturday to vote for who they thought should lead the Tribes over the next two years. They apparently chose not to return to office three of five incumbents, according to the still-to-be canvassed results released Dec. 13. With around 125 ballots to be counted yet, vice-chairman Ron Therriault finished 59 votes behind former Council member Joe "Dog" Felsman in the St. Ignatius contest. Four-termer Vic Stinger of Pablo finished behind challenger Lloyd Irvine. And Louie Adams' total is just 16 votes behind newcomer (Concludes on page four) 10 10 00 * o 10 N < °> News from the enforcement branches The Tribes' Law and Order Dept. has installed a toll-free number to allow easy access to those wishing to report emergencies. The number, 1-800-634-0690, can be used by any member of the general public to report any emergency situation, or any crime, or fish and game violation that has been committed or is in the process of being committed. * The Tribes' Fish and Game Conservation Dept. has relocated (late this summer, actually) from the Burland Building to the former PATCoR offices immediately east of Char-Koosta News and Printing (see map below). P TRIBAL COMPLEX 9 o °
Object Description
Rating | |
Title | 1987-12-16 Char-Koosta News |
Creator | Confederated Salish and Kootenai Tribes of the Flathead Reservation. |
Subject | Salish Indians --Newspapers.; Kutenai Indians --Newspapers.; Pablo (Montana) --Newspapers.; Kootenai Indians |
Description | Three of five incumbents apparently lose re-election bids; News from the enforcement branches; There's more to an election than candidates and speeches; Election judges for 1987; Instructions to election judges; 'Designer genes' delights Mission students; Elders' meeting has special visitor; Thomas competes in national rodeo; Graduation and baby news; Delores John is school princess; New enrollees; College receives rehabilitation grant; A request for Jocko war veterans; Obituary: Hank Heaton. |
Publisher | Confederated Salish and Kootenai Tribes of the Flathead Indian Nation |
Date Original | 1987-12-16 |
Date Digital | 2007-07-15 |
Type | text |
Format | image/tiff |
Resource Identifier | Y54000459 |
Rights Management | Copyright (c) Salish and Kootenai Federated Tribes, all rights reserved. |
Contributing Institution | Salish Kootenai College |
Contributor | D'Arcy McNickle Library |
Source | CSKT PN 4883.J6 C4 |
Language | en |
Relation | Vol. 16; No. 31 |
Digitization Specifications | Digitized at the University of Montana Maureen and Mike Mansfield Library; Scanned as master TIFF using Bookeye 3 scanner at 400 ppi, 8 bit grayscale; Optical Character Recognition with Abbyy FineReader Corporate Edition; Derivatives created using Photoshop CS |
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The Miracle Woman (1931)
A minister's daughter finds fame as an evangelist but struggles with her own lack of faith in Frank Capra's impassioned drama. Inspired by the true story of Aimee Semple McPherson, the film follows the rise to prominence of Florence Fallon (Barbara Stanwyck). Disillusioned by the mistreatment of her dying father by his church, Florence grows cynical about religion. She nevertheless retains an intimate knowledge of the Bible and natural flair for preaching, talents put to use by promoter Bob Hornsby (Sam Hardy) in a series of phony revival meetings, complete with staged healings and other stunts. Florence plays along, but she soon comes to take her religious mission more seriously, especially after a blind songwriter John Carson (David Manners) claims that her preaching saved his life. Guilt-ridden Florence decides to go straight, but Hornsby sets out to stop her, seeing her new-found morality -- and her budding romance with John -- as a threat to his lucrative business. Foreshadowing many of his better-known classics, Capra addresses issues about the manipulation of the public and the importance of truth while also presenting an unlikely romance. The film's treatment of religion was considered controversial on its initial release; it now seems justifiably complex but far from critical. The film's most notable element is the intense lead performance from Stanwyck, whose combination of fiery charisma and vulnerability is magnetic and convincing, providing Capra's ambitious drama with a gripping emotional core.~ Judd Blaise, All Movie Guide
Cast: Barbara Stanwyck, David Manners, Sam Hardy, Russell Hopton, Beryl Mercer
Produced by:
Directed by: Frank Capra
Written by: John Meehan, Dorothy Howell
Running time:
1hr 30min
Opens: Jul 20, 2031 Limited
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