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September 2013
BNY Mellon Asset Servicing
The financial crisis which commenced in 2007 has been widely acknowledged as the major catalyst to an unprecedented period of change in the Fund Management Industry.
Since then, many unqualified assumptions and urban myths have circulated around the industry relating to the impact of the financial crisis. Certainly the credit crunch, the collapse of Lehman's and the sharp fall in global equity markets triggered structural change in fund management, but there is no clear understanding or consensus as to what those changes have been. Through our work with EY we hope to bring some clarity to the real changes which have taken place across the European Funds landscape over the last six years.
In these last six years we have seen significant change in both Institutional and Retail Investor behaviour; step changes in cost/income ratios, new approaches to fund distribution and accelerated product innovation. One thing which is clear to all is the scale of new regulation emanating from Brussels, which has further fueled the magnitude of change in the industry.
As a partner to many of the world's financial institutions it is important for BNY Mellon to understand the changes which have resulted from the aforementioned events, and to reflect upon the likely ramifications to our partners. To this end, our work with EY leverages new data analysis and some existing survey results to answer some of these questions:
In the following paper, we provide an overview of our analysis, the answers to the above questions and draw some conclusions from our findings. We believe that these findings will serve as a catalyst for further study and debate as global financial institutions look to navigate through today's rapidly evolving investment landscape.
Daron Pearce
Head of Global Financial Institutions (EMEA)
Fund management is a highly regulated, complex and resource intensive business where success is richly rewarded, and margins can be high for organizations able to deliver long-term outperformance. Because of this, new entrants to the space are numerous and competition is fierce.
Most recently the fund management industry has been experiencing downward pressure on product revenues from a number of areas, including competitive factors, regulation and a shift to a more passive product mix. At the same time the industry is facing rising pressure to increase costs, due predominantly to new regulation. This paper seeks to combine industry surveys, data and our own insights to explore the reasons for and impacts of these threatening trends focusing on what fund managers should be doing now to mitigate the effect on future profitability.
Using data from Watson Wyatt, we began by comparing the structure of the fund management industry in the decade preceding 2012, and how assets under management are now distributed amongst the main industry players (top 20 fund managers by ownership). We found evolution rather than revolution in the make-up of the largest industry players.
The single biggest driver of costs across the industry is the requirement to comply with an abundance of new regulations. EY estimates the costs of compliance will lie within a range of $0.3bn-$0.5bn over the coming three years, exclusive of headcount. This translates into a significant increase in cost-income ratios over the next 3-5 years; we ask if these cumulative costs of regulation will undermine the assumed drive towards low cost fund management.
Firms will need to discover and implement new, innovative ideas to protect their margins in the future. Leveraging the EY 2012 survey on Innovation, we comment upon how different sized firms currently innovate and how they will need to create a more structured framework to encourage a culture of innovation in a highly regulated, risk-adverse environment.
Finally, the paper focusses on some of the initiatives that fund managers could be considering to protect future profitability, highlighting four recommendations that will impact both sides of the cost/income equation.
A comparison of the global fund management industry since pre credit crunch (see Figure 1) shows that AUM have recovered, there are more independent fund managers, and the top 20 is U.S. dominated in terms of ownership. We expect banks will continue to sell their fund management businesses and it is likely that large independents will continue to acquire them. Recent examples that demonstrate these trends are Blackrock / BGI and Aberdeen Asset Management / Credit Suisse Asset Management.
The rate of consolidation has remained constant between 2001 and 2011; however Q1 2013 saw a rise in the number of fund management transactions (Freeman and Co 2013 Asset Management transaction survey). This single quarter rise in number of transactions may become a trend if the valuation gap between buyers and sellers continues to narrow further. Increasing barriers to entry surrounding the regulatory and accountability framework, specifically in relation to the cost of implementation have started to deter start-ups and force consolidation at the bottom end of the market.
There is an increased dominance within the funds industry from top U.S. managers, with BlackRock's acquisition of BGI being a major factor, particularly noticeable in certain asset styles including passive funds and ETFs; passive managers grew at double the market rate over the past ten years. As quoted in the August 26th edition of FTfm, BlackRock, State Street and Vanguard control the ETF market, holding just over 80% of the ETF assets held in the US ($1.26 trillion), thus creating a significant barrier to other entrants. Further, the top 8 largest firms have consolidated their positions. The share of AUM for the "top 8" firms has consolidated at a rate of 1% per annum on average — from 17% in 2007 to 22% of total global AUM by 2011. With regards to the product mix of the top 20 firms, there has been a shift towards passive / ETF's and margins have fallen as a result, particularly for passive funds, but should we expect the same rate of margin contraction on active funds?
Fees for both active and passive funds are falling (see Figure 2) in the range of c1% in TER/annum. Case studies conducted by the Investment Companies Institute and Lipper in 2012 show that it would take over two decades (if at all) for these TERs to converge fully if likely increases in regulation charges come to fruition as expected (see Figure 2).
Despite this relatively slow decline in active TERs, the focus on the transparency and governance agenda (from both regulators and investors) will inevitably put downward pressure on fees. This will apply particularly to the ETF segment, where average European fee levels are similar to those of passive funds and falling at an average rate of 1% per annum depending on the instrument.
Expense ratios are useful "catch all" indicators of financial and operational efficiency in any industry, with lower expense ratios equating to lower costs for the end investor. Expense ratios have fallen in the European fund industry over the past decade (see Figure 3). These are almost certain to fall further in the short term, given the concerted impact on costs from regulations, changes to tax regimes, systems upgrade, and development of database technologies required to deliver greater investment transparency.
So, we know product mix and competitive pressures have pushed revenues down; combined with a risk adverse, highly regulated atmosphere with regulators encouraging investors towards more plain vanilla, transparent products all of which drive towards a reduced fee environment. However the dichotomy is that at the same time, regulation, the single biggest expense facing the industry, one still yet to be fully accounted for, is likely to put equal pressure on costs. So revenues are being driven down whilst costs are being driven up!
Complying with multiple regulatory measures is singularly the biggest driver of cost across the industry. To bring much needed consumer confidence back to the industry, Governments, regulators and investors are demanding greater transparency and accountability.
EY estimates that the cumulative additional costs of the regulations directly applicable to European fund managers lie within a range of $0.3-0.5bn per annum in terms of extra expenses incurred over the coming three years. This could translate into a conservative 3% + increase in cost/income ratios over the next 3-5 years, correlated with approximately 2% + uplift in TERs over the period (assuming profit pools remain at current levels), which will counter the rate of TER decay highlighted above. However, the desired delivery of low cost fund management models will not necessarily be undermined by the cost of regulatory compliance, when one considers that not all of the expenditure can be passed on to the underlying funds. Against this backdrop, each firm will be challenged to find diverse methods of delivering its regulatory programmes.
The industry's approach to delivering multi regulation compliance through single regulation siloed projects is unsustainable. Firms need to take a holistic view of their 3-5 year regulatory compliance plans. Medium-sized entities (AuM in the range $600bn As we have seen, this comes against the backdrop of average fees reducing due to changes in the product mix. Fund managers need to reverse these trends to protect profitability. However, future regulations are likely to take them down the same low margin path as they favor transparent, vanilla investing, which generates lower margins. When adding these rising cost trends to the downward revenue trends in section 2, it is clear that profit margins within the industry are facing a pincer attack. Figure 3 demonstrates the margin squeeze effect. Most firms initiated a regime of cost reduction programmes in response to the credit crunch. Schroders for example increased operating margin from 27% in 2009 to 36% in 2011, mostly from cost savings as opposed to acquisition benefits. While this scale of cost compression is impressive, further reductions within business models will be harder to find, with extended lead times. Consequently, it is essential that firms think outside the box to identify, and deliver, new margin enhancing initiatives through creativity and innovation. The post credit crunch era has brought higher barriers to entry to the industry and increased complexity of reporting; a state of flux still exists and much is still to be defined and implemented. Industry profitability is under threat as regulators and investors push for transparency and less complex fund structures. Firms that put in place frameworks to encourage creative solutioning to solve this conundrum, along with robust implementation programmes will be better placed to enjoy future revenue and cost benefits. EY 2012 Innovation Survey of 36 firms gives insight into how firms currently innovate. The survey found that all firms, regardless of size had similar catalysts of innovation; namely end clients, regulations and technology, (see Figure 4). Small fund managers tend to be particularly focussed on product innovation whilst larger firms also leverage their scale, infrastructure and broad product offerings to develop new and distinct revenue streams such as their solutions, wealth businesses and financial planning services as delivered by HSBC. Interestingly, some larger fund managers have embraced regulation and see it as a catalyst to stimulate innovation; probably they are more able to do this as a result of their greater discretionary budgets and lobbying power. To support this activity, these firms have invested in strengthening their product development teams. Smaller firms are considerably more dependent on the CIO function to drive innovation with very little support from Product Development. To extend their reach they may be more likely to put a greater emphasis on working with academia to generate ideas. Fund managers should embed a framework in order to identify different ways to realize cost/income benefits. The traditional innovation drivers within an organization may have to collaborate more readily with areas such as sales and marketing to ensure well rounded initiatives are delivered. Embedding such a framework will probably reflect a cultural change for the industry. However, mitigating the threat of margin compression will only be accomplished by focusing the innovation effort on margin enhancing products, services and cost reduction programmes. As we have seen, it has become ever more important for firms to closely manage their cost / income and total expense ratios, and look for more innovative ways to do this. On costs, a complete review of strategic direction and a continuous evaluation of operating model options should be assessed (see Figure 5) such as: 1) "Be Cruel to Be Kind" — Constantly re-appraise product ranges and manufacturing capabilities. Firms should review their product portfolios and develop more sophisticated mechanisms for splitting the middle ground into "products to kill" vs. "products to invest in". Recently, there have been cases of fund managers shutting funds, or share classes — BlackRock reported as ready to close 250 funds on 25th June 2013, and Deutsche Wealth & Asset Management closing 18 struggling ETFs and 18 struggling ETCs on 5th July 2013 being two recent examples. Threadneedle Asset Management has embarked on a fund rationalization programme and claim the European fund management community will enter an 18-24 month period of rationalizations, as cost pressures signal the beginning of the end for oversized product ranges. 2) "There are Shared Solutions to Common Problems" — Deepen outsourcing/off-shoring routes to improve future flexibility, especially in the middle-office. Fund managers historically looked to defer future cost increases by outsourcing back office functions such as settlements, confirmations, custody and transfer agency. Now the reasons are more subtle, as outsourcing becomes recognized as the means to improve risk management and regulatory compliance, and realize flexibility and scalability globally. Regulators appreciate and are focussed on this continual shift, and are demanding transparent, well governed, strategic partnerships be in place between the fund manager and the service providers. This is evidenced in the recent FCA (UK Financial Control Authority) "Dear CEO" letter relating to outsourcing that acknowledged that while services and functions may well be outsourced, responsibility for these provisions remains firmly with the fund manager; the FCA recommends that fund managers plan how they would mitigate against a failure of such a strategic relationship. Dependency of fund managers on their servicing partners is on the rise. Those firms that already run outsourced models are contemplating outsourcing middle office disciplines such as stock lending, FX hedging and collateral management to their asset servicing partners. Fund managers, who in the past have been slow to consider outsourcing components of their business model, will find it necessary to reconsider their decisions, and even extend their thinking to include some automated front office activities offered by global custodian banks, for example market connectivity/FIX, CSA administration, research management, agency brokerage and market/reference data solutions. The middle-office of the medium-sized firms could be one of the domains of highest impact and therefore greatest opportunity for cost containment. 3) "Think Outside the Box of Traditional Cost-cutting" — Explore innovative cost reduction programmes. Many large and medium-sized fund managers took advantage to reduce their cost bases tactically after the Financial Crisis of 2007 by rationalizing their products and reducing the number of service provider relationships. To maintain this momentum, fund managers are already looking at other areas for cost savings through a top-to-bottom review of product ranges and fund rationalization (as noted above), and a shift towards more indirectly held funds. Other areas such as procurement, where non-financial services industries have made tax and smart buying efficiencies, are now transferring to financial services to bolster cost reduction programmes. 4) "Leave no stone unturned" — Rapid identification of cost reduction initiatives in less traditional areas such as communications. Strong and speedy decision making around other initiatives will be vital in areas such as technology joint ventures and other alliances involving distribution channels and social networking to improve interaction with the wider community. Businesses will be required to communicate more with their third party service providers and investors, refining data strategies to satisfy an unprecedented sprint for transparency whilst reducing cost / income ratios. This will encourage fund managers and service providers to work more closely to agree key performance indicators, management information and model options for each new investment or product type. After all in the future, if it can't be measured, it won't be managed. Figure 5 sets out the potential cumulative impact on cost / income ratios through implementing further cost reducing initiatives over the short, medium and long term. The savings curve is illustrative as total benefits will depend on style of firm, current operating model structure, existing current product range and implementation success. Similar to costs, we have also identified four revenue initiatives. Many are predicting that the economic bounce back has begun. In the UK for example, the economy grew by 0.6% in the three months to June 2013 according to the Office for National Statistics (ONS). For some fund managers, it will mean they are developing growth strategies for the first time in eight years and need to invest wisely. Managers will need to raise their game to improve revenues and develop their thinking beyond their traditional "buy and hold" models. 1) "Comply and Explain" — Regular, razor sharp focus on the strategic direction of the fund range. Whilst rationalization of fund ranges will deliver cost benefits, material revenue benefits will also be realized. Managers should be able to explain the strategic rationale behind their suite of funds as clearly as they do their investment process and provide evidence of the value-add to investors and regulators alike. Firms should therefore define their investment methodologies and reconcile the need for each fund into the overarching product strategy. Greater clarity around the business objectives will be welcomed by investors and regulators and enable sales and marketing teams to deliver a more cohesive message to the market. In the medium term, social media will become an increasingly important channel to articulate a firm's product strategy, so the development of a sophisticated programme is essential to ensure success in this area. 2) "Think Big; Start Small; Scale Fast" — To avoid start-up costs and unnecessary risk, acquire going concerns that complement the strategic product range as well as deliver value. Fund managers continue to buy going concerns that fit both their strategic aspirations and enhance short term shareholder value. 2013 has seen an increase in M&A activity as US managers power up for expansion once again and the valuation gap between buyers and sellers narrows. However it is still premature to call a major consolidation in the fund management industry. Given the regulatory and operational costs associated with running boutiques, buying going concerns (as opposed to niche start-ups) will be the way forward for most firms. 3) "Don't keep digging up the road" — Adopt a structured approach to product innovation well in advance of regulations to avoid cost increases later. Digging up the road over and over again to fulfil the requirements of every regulatory measure is not an effective or realistic option for many small and medium-sized firms, particularly as an estimated 20-40% of this future cost will arise from duplications involving client on boarding, booking models, transaction reporting and record retention. However, despite this fact, many firms choose to single-thread one or two regulatory measures each year, partly in view of resource contentions (e.g. managing demands from investors) and partly in view of the need to make remediation in response to local thematic concerns. Firms should weigh product innovation against the future regulatory maintenance required to service particular investor segments, and optimise their revenue projections accordingly. 4) "Max'imise the Profitability of the Possible" — Ensure that fund manager CEOs/CIOs interface more closely with their asset servicing opposite numbers much earlier in product cycles. Stronger, more effective dialogue between the C-suite and their opposite number will enable fund managers to better communicate their business strategies to their asset servicing partners. Global outsourcing arrangements are strategic partnerships and asset servicers are (and will continue to be) ever more integral to the success of fund management businesses. However, many outsourcing decisions are still driven by looking through the cost and risk lenses of Operations, Finance and Risk professionals as opposed to being driven by the CIO with a view on future profitability. The better the asset servicer understands the business, fund or operating model strategy, the more value the fund manager can derive from the relationship. Whilst we are now back to record levels of Global AUM within the fund management industry, profitability is under threat and fund managers need to act now to ensure their future business is not undermined. The structure of the industry has remained broadly consistent, however at the top the very biggest managers are getting bigger and scale is becoming an increasing differentiator. Crucially both investors and regulators, have a growing thirst for passive funds with a consequence that these funds are growing at twice the rate of active funds. The result of this is margin compression. Exacerbating the revenue threat is the rising costs associated with the "tsunami" of new regulations to come and the need to provide more transparency and disclosure. Regulations are the single biggest cost facing the industry with an estimated $0.3bn – $0.5bn over the next 3-5 years for European firms. This will significantly raise barriers to entry into the market and may force consolidation at the smaller end. Conversely, new regulations will generally favor larger fund managers who can lobby, resort to multi-asset styles and have the risk infrastructures in place to cope. In general, costs have been managed well since the credit crunch, rendering further reduction initiatives harder to identify and implement. Consequently, firms will have to be creative to manage revenue up, and costs continuously down; constantly challenging their business models and looking for short term opportunities to aggressively restructure their funds ranges. Those firms (more prolific within larger companies) who can create a framework where innovative ideas are encouraged will be better placed to take the advantage, providing their infrastructure does not get in the way of their ability to implement. There are a multitude of initiatives that fund managers could consider in the face of falling profitability and rising cost / income ratios to prevent the increasing likelihood of becoming an acquisition target. These include reconsidering the opportunities afforded by long term restructuring and building partnerships with third party service providers to outsource various middle and front office functions. CEOs and CIOs need to interface more strategically with service providers to examine "The Profitability of the Possible". Where successfully implemented firms will narrow, and possibly reverse, the threat to profit margins over the long term. However, fund managers will need to go through operational and cultural change in the short and medium term to achieve this. The stakes are very high; winners will lead fund management into a profitable new era, whilst the losers, those that fail to act now to protect their profitability, will face failure or, at best, be acquired. FTfm September 26th edition 'Big three hog US ETF Market' Watson Wyatt 2012 Investment Company Institute and Lipper 2012 EY 2013 EY: What's new? Innovation survey for Asset Management November 2012 EY 2013 Office for National Statistics 2013 bnymellon.com Products and services may be provided under various brand names and in various countries by subsidiaries, affiliates, and joint ventures of The Bank of New York Mellon Corporation where authorized and regulated as required within each jurisdiction, and may include The Bank of New York Mellon, One Wall Street, New York, New York 10286, a banking corporation organized and existing pursuant to the laws of the State of New York and operating in England through its branch at One Canada Square, London E14 5AL, England. Registered in England and Wales with FC005522 and BR000818. Supervised and regulated by the New York State Department of Financial Services and the Federal Reserve. Authorized by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority of the United Kingdom (and any successor regulatory entity). The Bank of New York Mellon also operates in Europe through its subsidiary The Bank of New York Mellon SA/NV, Rue Montoyerstraat,46, B-1000 Brussels, Belgium, a Belgian public limited liability company, authorized and regulated as a credit institution by the National Bank of Belgium (NBB). Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Not all products and services are offered at all locations. Material contained within this document is intended for information purposes only. It is not intended to provide legal, tax, accounting, investment, financial or other professional advice on any matter, and is not to be used as such. You should contact your independent financial advisor prior to acting on any information mentioned in the document. This is not a financial promotion. No statement or expression is an offer or solicitation to buy or sell any products or services mentioned. The contents may not be comprehensive or up-to-date, and BNY Mellon will not be responsible for updating any information contained within this document. To the extent this document may be deemed to be a financial promotion under non-US jurisdictions, they are provided for use by professional investors only and not for onward distribution to, or to be relied upon by, retail investors. No statement or expression is an offer or solicitation to buy or sell any products or services mentioned. This document is not intended for distribution to, or use by, any person or entity in any jurisdiction or country in which such distribution or use would be contrary to local law or regulation. Similarly, this document may not be distributed or used for the purpose of offers or solicitations in any jurisdiction or in any circumstances in which such offers or solicitations are unlawful or not authorised, or where there would be, by virtue of such distribution, new or additional registration requirements. The contents may not be comprehensive or up-to-date, and BNY Mellon will not be responsible for updating any information contained within this document. BNY Mellon assumes no liability whatsoever (direct or consequential or any other form of liability) for any action taken in reliance on the information contained in this document. Any unauthorized use of material contained in this document is at the user's own risk. The views expressed herein are those of the speaker(s) only and not those of BNY Mellon or any of its subsidiaries or affiliates. They reflect conditions as of the date of the document and are subject to change. Trademarks, service marks and logos belong to their respective owners. 09/2013Firms Will Have to Work Differently to Create Frameworks that Encourage and Support an Innovative Environment
Figure 4 // Comparison of the drivers of innovation with internal function drivers within firms
Fund Managers Must Re-Examine Their Ideas for Mitigating Costs
There Are Still Opportunities For Revenue Growth
What Conclusions Can We Draw?
Acknowledgments And Accreditations
Freeman and Co 2013 Asset Management transaction survey
BNY Mellon is the corporate brand of The Bank of New York Mellon Corporation and may also be used as a generic term to reference the Corporation as a whole or its various subsidiaries generally.


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- Filed Under
It is part of this newspaper's lore: In the 1970s and 1980s, our librarian Barbara Fisher used to go on tears and toss out reams of photos and old stories. She said she didn't have room to store everything.
Fisher, a wonderful poet and writer who died in 1995, had a point. We had only a modest-sized room to store all the articles, photographs and books that newspapers used to accumulate on a daily basis. But such purging destroyed a lot of history.
So comes now the good news: The state archives saved a bunch of that history. And it's going on display. ...

subset: commoncrawl


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Relevant offers
OPINION: You know the storyline by now. There are 1 million United States-dollar millionaires in China. ("To get rich is glorious," said former leader Deng Xiao- ping.) Seventy per cent of the homes in China are bought for cash. China's total trade - the sum of imports and exports - is now bigger than that of the US.
"They're going to eat our lunch," whimper the faint-hearted in the West.
It's not just the Chinese who are coming. The Indians and the Brazilians are coming, too, with economic growth rates far higher than in the old industrialised countries, but it doesn't even stop there. There are also Mexico, Turkey, Indonesia and half a dozen other big countries in what used to be called the Third World that have discovered the secret of high-speed growth. The power shift is happening even faster than the pundits predicted.
As recently as 2009, the "Brics" (Brazil, Russia, India and China) accounted for less than one-tenth of total global consumption. The European Union consumed twice as much, and so did the US. But by 2020, the Brics will be producing and consuming just as much as either of the older economic zones, and by 2025 considerably more.
In fact, the Brics and all the other fast-growing economies of the ex-Third World, in just a dozen years' time, will account for around 40 per cent of world consumption. As a rule, with wealth comes power, so they will increasingly be calling the tune that the West must dance to. Or at least that is the Doomsday scenario that haunts the strategists and economists of the West. It's nonsense, for at least three reasons.
First of all, a shift in the world's centre of economic gravity does not necessarily spell doom for those whose relative influence has dwindled. The last time the centre shifted, when the US overtook the nations of Europe in the late 19th and early 20th centuries, it did not dent Europe's prosperity at all.
It's true that by the latter half of the 20th century there were American troops all over Western Europe, but that would not have happened if Europe had not come close to destroying itself in the two world wars (which can be seen as a European civil war in two parts). In any case, the US troops have mostly gone, and Europeans live at least as well as Americans.
Secondly, the new centre of gravity this time, while mostly located in Asia, is not a single country with a coherent foreign policy like the US. The Brics will never become a strategic or economic bloc. They are more likely to split into rival blocs, although one hopes not. And the Mexicos and Turkeys and Indonesias of this new world will have their own fish to fry.
So it will be a more complicated world with many major players, and the centre of economic gravity will be in Asia, but there's nothing particularly strange about this. More than half of the human race lives in Asia, so where else should the centre of gravity be? Asia is very far from monolithic, and there is no logical reason to suppose that its economic rise spells economic decline for the West.
Thirdly, descriptions of the future that are simply extrapolations of the present, like the ones at the start of this article, are almost always wrong. If the widely believed forecasts of the 1980s had been right, Japan would now bestride the world like an economic colossus. The one certain thing about the future is surprises - but some surprises are a little less surprising than others.
Take climate change, for example. The scientific evidence strongly suggests that the tropical and sub-tropical parts of the world, home to almost all of the emerging economic powers, will be much harder hit by global warming than the temperate parts of the globe, farther away from the equator, where the older industrialised countries all live.
There is already much anger about this in the new economic powers. Eighty per cent of the greenhouse gases of human origin in the atmosphere were put there by the old-rich countries, who got rich by burning fossil fuels for the past two centuries, and yet they get off lightly while the (relatively) innocent suffer. But even if the newly rich wanted revenge, they are too disunited - and will be too busy coping with the warming - to do much about it.
The centre of gravity of the world economy is undoubtedly leaving the old "Atlantic" world of Europe and North America and moving towards Asia, but how far and how fast this process goes remains to be seen. And there is no reason to believe that it will leave the countries of the West poor or helpless.
True, economists in the West often ask the question: "What will we sell the emerging countries in the future that they cannot produce for themselves?" In the runaway global warming scenario, the answer would be "food", but the real answer is sure to be more complex than that. Never mind. They'll think of something, because they'll have to. Gwynne Dyer is a journalist based in London and his articles appear in more than 40 countries.
- Taranaki Daily News
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Roach and How Many Battens?
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racing, I'd go with 2+2
Id also include 2, maybe 3, sets of battens for the varied conditions that are on the Ches:
First set would be tapered 'soft' battens for light winds so that the max. draft occurs at about mid cord, especially for the top panels --- to power-up the head (shoulder) sections during the 'doldrum' conditions of July/August on the Ches.
Second set would be for spring fall sailing, a bit stiffer and tapered so that the draft sets a little more forward of the 'light' battens.
Optional Third set is for running off to New England ... stiff battens to depower the top/head/shoulder when sailing in the strong afternoon 'sea breezes' along the NJ/NE coast ... and for better sailing when deep reefed.
Other & Again, especially targeting offshore sailing - an over-the-top leech line system so that you can control the leech tension from the base of the mast, etc. but you'll have to go back to the 'other' thread for the other recommendations --- boltrope additions, etc. if you want a LONG-life sail, etc.
Cross-cut is fine - you can 'follow' the 'stretch', etc. better by set/shaping adjustments as the sail ages; not as 'heavy' as a radial, etc.
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Welcome to The Naughty Gift Store . Your online guide to find the best naughty, sexy gifts online, and resource blog to help you find the best lingerie and sex toys available on the internet. You may have noticed we've re-vamped and made things look sparkly and new here and we're ready for you to find the best sexy lingerie and adult products online. Just as well really, as Christmas is just around the corner. You may think you have plenty of … [Read More...]
Part 4: Stuff your Stocking.. With a Bijoux Indiscrets Twenty One Diamond Vibrator
It's nearly getting to that point when we'll be putting up the Christmas tree in the office and at home. I mean, it's been a few weeks since all the stores and shopping centres have put up theirs, it only usually takes them a day after Halloween … [Read More...]
Lovehoney Voucher Code : £10 off a £50 spend +FREE delivery!
Love Honey we've been fans of for a long time now due to amazing stock choice and unbeatable prices. When shopping for your naughty and sexy gifts or personal sex toys and lingerie online, make sure you visit Lovehoney as you'll be able to get a lot … [Read More...]
Part 3 – Stocking Filler Gifts at Lovehoney
I'm back this week with some Sexy Christmas Offers with great savings and fab freebies since it's really ramping up to Christmas time, I cannot believe that it'll nearly be December soon and I usually start my Christmas shopping and planning, around … [Read More...]
Christmas Gifts Part 2: Vintage Lingerie
I'm back this week, week number 2 if you're counting, of The Naughty Gift Stores weekly guide to the best Christmas presents from around the web. Each week, as we said last week, we'll show you some great gift ideas we think will make an utterly … [Read More...]
Christmas Gifts Part 1: Top 3 Body Wands
No, it's not too early to start thinking about Christmas! Let us remind you it's a mere (at time of writing) 6 weeks away. That's 6 stress free weeks to plan and get your partner something special but totally naughty. We're talking about males and … [Read More...]
New Latex Lingerie at Coco De Mer
You would have probably noticed that I've been singing the praises of one of my newer rediscoveries recently, and if you haven't then let me tell you, that I have been prattling on about Coco De Mer for the last couple of blog posts! Whether that's … [Read More...]
Discover I.D. Sarrieri at Coco de Mer
I've been recently delving into the depths of luxury lingerie and alternative lingerie brands online, to explore items I've never seen before or stores I haven't bought from before. Unfortunately, I haven't been buying as many of the items I've seen … [Read More...]
Winter Swim Ideas
Agent Provocateur Swimwear is Statement Swimwear and is probably the most unique on the market right now. We absolutely love their lingerie ranges, but in recent years Agent Provocateur has really excelled in the swimwear space too. We simply love it because it's like no other. If you want to be the baddest on the beach then DO check out Agent Provocateur bikinis and one pieces. We're not too … Continue Reading...
Brand Focus – Agent Provocateur
SexToys.co.uk is a pretty impressive adult boutique with oodles of great products and promotions and they're doing something right since they have been trading for over twelve years and with more than a million satisfied customers! SexToys.co.uk offer a huge range of quality adult toys from vibrators to dildos, anal toys to rabbit vibrators, male toys to strap-on dildos, with many up to 75% off the recommended retail price (RRP), so that means competitive prices that you will not find anywhere cheaper. Every UK order … Continue Reading...
Bedroom Pleasures – LoveHoney
Sex Toys, Erotic Toys, Sexy Gifts - name them what you wish, but over the past 2 decades these adult toys have soared in sales. Globally, the sex toy industry is valued at USD 15 billion, with a growth rate of 30%. Did you know that 70% of sex toys are manufactured in China? We can most likely thank media streams for the rise in popularity - TV Shows & films for example - who remembers the … Continue Reading...
Designer Lingerie Tips
Lingerie has always fascinated us. It's like a glove in any woman's life - you need it for starters, but there are no boundary or limitations to what you can wear or buy, depending on your tastes. The mind boggles at the 1000's of different styles and eras you can wear , new styles and colours are put together and retro styles re invented every season. Lingerie design is a never ending … Continue Reading...
Recommended Christmas Gifts
Vintage Sex Appeal at What Katy Did…
What Katie Did is the world's leading brand of vintage inspired lingerie. We're really pleased to feature this brand on the pages of The Naughty Gift Store. What Katy Did, admittedly may not cater to everyone's tastes, but it's really interesting that there has been a huge rise in the demand for retro, burlesque and vintage inspired lingerie pieces in the past decade and What Katy Did sets the competition aside from the rest. A bit about the … Click here to read more
Best Sex Toys and Gifts
Passion8 specialises in adding that Oomph into intimate moments, Passion8 have specialised in Erotic Lingerie, Sex toys, sexy gifts and pleasure products for over 20 years. Always striving to be different we carefully select products for quality, value and satisfaction. With regular mentions in top selling magazines and newspapers, Passion8's tasteful approach is loved by women, men and couples alike, who want to shop for intimate items, but … Continue Reading...
Lelo – Luxury Sex Toys
Lelo has been a keen favourite supplier of Sex toys for of ours for some time now. Probably because of the fascinating design, shapes, sizes and colour of their products and also because of the quality, overall feel and look of them and the somewhat upper luxury air they give off. You would agree when holding a Lelo vibrator sex toy, that they are an individual piece of artwork. Sex Toys needn't be garish big rubber phalluses and Lelo prove that … Continue Reading...
Coco De Mer
Coco de Mer is London's leading luxury erotic emporium that styles itself only with its sights on tasteful high end products which are without a doubt the finest range of luxury lingerie and artistic sex toys brands online, mixing exquisite designer lingerie collections and hand-crafted erotic gifts from artisans across the UK and also farther afield ,some something not only erotic but exotic too. Coco de Mer is a somewhat pioneering concept … Continue Reading...
Ann Summers – A Golden Favourite
Ann Summers has peaked to be UK's most popular sexy lingerie and online sex toy seller over the past couple of decades. As you well know, you'll be able to find a 'local' Ann Summers shop on the high street in your area, be able book and host an Ann Summers party for fun with the girls, or shop until you can't shop any more at Ann Summers online. Ann Summers is now easily accessible and it's never been easier to buy something naughty, a little … Continue Reading...


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Helpdesk FYIBy Richard Sanzone, Manager of the CITC HelpdeskThis article marks the beginning, we hope, of a new monthly feature from the CITC Helpdesk. Each month they will tackle a topic that has been of particular interest to callers/visitors to the Helpdesk. -- Ed. Having trouble connecting to the Eaglenet wireless system?Are you having trouble connecting to
the Eaglenet wireless system? If so, check the Eaglenet information
website at
http://www.unt.edu/wireless for configuration guides and other


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Monthly Deals and Promotions
Each Month we will be featuring a special promotion availble through our website and Facebook page. This month's (Janurary 2012) promotions are featured below. Feel free to download and print them out or share them with a friend. (Valid through December 2012) (Valid …
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Mr. William O'BrienTo ask the Secretary of State for Northern Ireland how many budget-holding practices there are in Northern Ireland; and what percentage this is of the total number of GP practices.
§ Mr. AncramThere are 43 GP fundholding groups in Northern Ireland, comprising 61 GP practices. This represents 17 per cent. of the total number of practices.


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Answers Home
» The Dogster Website
» Contests and Fun
- Cast your vote for which answer you think is best!
Once you vote for a picture, it's final. However, you *can* vote for all of the pictures you run across as it's actually just rating the photos at the moment. Later on, you'll have to pick one out of a group of finalists.
Gray Dawn Treader answered on 10/22/10. Helpful? / 1


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30 Inspiring Posters To Jazz Up Any Classroom
They're an inexpensive and easy way to make boring standard-issue walls way more inviting, and would also make awesome gifts for a teacher.
11. Or Fleetwood Mac.
Ugh please just listen to this right now, you'll feel phenomenal. Available here.
21. Try an alternative to posters (whether because of a lack of wall space or because you live on the edge) with these simple yet inspiring blocks.
Get it here.
28. It's never too early to learn that states have flags too.
Kindergarten minds BLOWN.
29. If you're into making one yourself, you can always invest in a signage kit.
It's filled with hall passes, calendars, and basically anything else you'd possibly need to display in a classroom.


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Use John Deere MachineFinder to search for a used swing machine. Search MachineFinder's database for all makes and models of used forestry machines from John Deere dealers.
Equipment Wanted: Log In or Register to submit an Equipment Wanted Request. Sign in or register now to use these features. When you register and sign in to MachineFinder, you can:


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1790 Inn & Restaurant
Hidden within the city's Spanish moss draped majestic oaks, and other natural treasures lies 17 Hundred 90, Savannah's oldest inn. 17 Hundred 90, is Savannah's only inn with a full service restaurant and lounge, and is consistently in food magazines as one of Savannah's finest restaurants. 17 Hundred 90 has been a gourmet tradition in Savannah for over a century and has been acclaimed as "the most elegant restaurant in Savannah" by Gourmet Magazine.
Info & Amenities
Hours of Operation
Sunday: 11:00AM - 11:30PM
Monday: 11:00AM - 11:30PM
Tuesday: 11:00AM - 11:30PM
Wednesday: 11:00AM - 11:30PM
Thursday: 11:00AM - 11:30PM
Friday: 11:00AM - 11:30PM
Saturday: 11:00AM - 11:30PM
Average Entree Price
$20 and up
Average Nightly Rate
Call for Rates
Cuisine Served
American, Continental, French & Country French, Seafood, Vegetarian
Facility Amenities
Bar/Lounge, Free Parking, Full Bar, Restaurant on Site
Internet Connectivity
Free Wi-Fi, Wi-Fi In-Room
Meals Served
Brunch, Dinner, Lunch
Near Interstate Highway
Historic District: 1
Payment Options
American Express, Discover, Mastercard, Visa
Room Amenities
Fireplaces, Hair Dryer, In-Room Coffee Maker, Iron/Ironing Board
Room Type
1-Bedroom Units
Setting & Style
Historic & Charming, Romantic
Nearby Attractions
See Savannah Walking Tours
Wright Square at Bull & York Streets 124 Bull StreetSavannah, GA 31401 View Listing
Savannah Haunted History Ghost Tour/ Cobblestone Tours
201 E. Oglethorpe AvenueSavannah, GA 31401 View Listing
Colonial Park Cemetery Tour/ Cobblestone Tours
201 E. Oglethorpe AvenueSavannah, GA 31401 View Listing
Colonial Park Cemetery
201 East Oglethorpe Street Oglethorpe & Abercorn StreetsSavannah, GA 31401 View Listing
Personalized Tours of Savannah - Harriet Meyerhoff
425 East President StreetSavannah, GA 31401 View Listing
Birthplace of Juliette Gordon Low, National Historic Landmark
10 East Oglethorpe Avenue (Corner of Bull Street and Oglethorpe Avenue)Savannah, GA 31401 View Listing
Segway of Savannah
Downtown Savannah 234 Martin Luther King, Jr. BlvdSavannah, GA 31401 View Listing
Civil War Savannah Walk: Secrets, Intrique and Generals
110 Bull StreetSavannah, GA 31401 View Listing


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FDA Approves Vimizim to Treat Rare Congenital Enzyme Disorder »
"The U.S. Food and Drug Administration today approved Vimizim (elosulfase alfa), the first FDA-approved treatment for Mucopolysaccharidosis Type IVA (Morquio A syndrome). Morquio A syndrome is a rare, autosomal recessive lysosomal storage disease "...
Read the FDA Approves Vimizim to Treat Rare Congenital Enzyme Disorder article »
There is no information on overdoses of MALARONE substantially higher than the doses recommended for treatment.
There is no known antidote for atovaquone, and it is currently unknown if atovaquone is dialyzable. Overdoses up to 31,500 mg of atovaquone have been reported. In one such patient who also took an unspecified dose of dapsone, methemoglobinemia occurred. Rash has also been reported after overdose.
Overdoses of proguanil hydrochloride as large as 1,500 mg have been followed by complete recovery, and doses as high as 700 mg twice daily have been taken for over 2 weeks without serious toxicity. Adverse experiences occasionally associated with proguanil hydrochloride doses of 100 to 200 mg/day, such as epigastric discomfort and vomiting, would be likely to occur with overdose. There are also reports of reversible hair loss and scaling of the skin on the palms and/or soles, reversible aphthous ulceration, and hematologic side effects.
MALARONE is contraindicated in individuals with known hypersensitivity reactions (e.g., anaphylaxis, erythema multiforme or Stevens-Johnson syndrome, angioedema, vasculitis) to atovaquone or proguanil hydrochloride or any component of the formulation.
Severe Renal Impairment
MALARONE is contraindicated for prophylaxis of P. falciparum malaria in patients with severe renal impairment (creatinine clearance < 30 mL/min) because of pancytopenia in patients with severe renal impairment treated with proguanil [see Use In Specific Populations, and CLINICAL PHARMACOLOGY].
Last reviewed on RxList: 3/19/2013
This monograph has been modified to include the generic and brand name in many instances.
Malarone FDA Prescribing Information
Additional Malarone Information
Malarone - User Reviews
Report Problems to the Food and Drug Administration
You are encouraged to report negative side effects of prescription drugs to the FDA. Visit the FDA MedWatch website or call 1-800-FDA-1088.
Women's Health
Find out what women really need.


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Finally PRed!!!
Hi everyone!
hill: Nice easy 5 this morning. Glad you felt good after the RD.
Scott: I have not run anywhere I couldn't find satellites at all, have had trouble staying on them around tall buildings like in NYC. Hope you enjoyed the RD and got a lot done.
marco: Nice 7.5. Glad the outside running has felt good.
jojo: Where I was living in Maine almost none of the races were chip-timed. In more populated areas more of them were, but not around me where the bigger races usually drew a couple hundred runners.So the kind of timing you describe was not unusual there. It wouldn't have bothered me unless I thought there was a problem with my time, but I never had any discrepancy. Hope you had a nice run.
Julia: Nice 6! Sounds like you'll be ready for the race Sunday.
Docket: Hope you had a nice 5. And I hope Trixie's next test comes back okay.
SIAR: Hope you feel better soon.
RVD: Hope you were able to use the track and hope the run was good.
B.S.: That sounds pretty stressful. Glad you had a nice time at the concert.
Pressing: Sorry the run was so tough, but 18 is still good. Like you said you have some other long runs still to come.
I didn't run today, did my upper-body weights and core. I stayed and drank beer longer than planned last night after the run--going to have to watch that if I want to lose weight! There are a few 20-something guys at those runs (which start from a bar) plus some of the Wednesday runs at the store who I seem to have somewhat bonded with. Sort of interesting. MTA: It is pretty awesome that they don't charge us for the beers and food (just apps, last night it was chips and some spinach dip which was pretty good). I keep thinking they will start, though, at some point, at least a nominal charge or something.
Hope everyone has a great start to their weekend!
PRs: 5K: 22:09, 10K:44:55, 15K: 1:10:35, HM: 1:42:49, M: 3:32:09
JoJo, Maybe they were upset that they didn't know ahead of time? I like Pressing's the idea of having a sign up sheet for people to sign. I've also done a race where before the race we were told to look at the clock when we finished because as soon as you crossed, someone would hand us a piece of paper to put our name and time. I think they used that as a double-check for the official times.
I don't know Julia... Maybe... They just seemed like they didn't think I knew how to time a race.
This is how we are doing it:
- Bibs are color coded.
- Volunteers at the end are handing out cards numbered 1-350 for the 5K, and 1-150 for the 10K.
- On the back of the card, you put your name and bib number, if you see the time, put the time, otherwise no big deal
- Cards are returned to volunteers where they put them in order
- Once the race is done, I look at the cards/bib numbers/names, and match them with a spread sheet. i then do the tally.
- Clock shuts off at 9:15.
Half: 1:48 (March 3rd, 2013)
Full: 4:05:40 (March 17th, 2013)
2013/2014 Goals:
Sub-4:00 hour Marathon
Sub- 125 poundsSub- 1:45 hour half.
Bad Ass
Sounds like a good idea, Jojo. Good luck with the naysayers.
Damaris, Marathon Maniac, Ultra Runner, INKnBURN Ambassador
"The most powerful weapon on earth is the human soul on fire."


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"Technical Support Manager"
"I am a software engineer for Sirca."
"EMEA Community Marketing Manager for DataStax"
"This is DataStax HQ"
About us…
The Apache Cassandra Project develops a highly scalable second-generation distributed database, bringing together Dynamo's fully distributed design and Bigtable's ColumnFamily-based data model. The Sydney Apache Cassandra User Group is a highly awesome meetup group, bringing together cool people distributed across Sydney to talk about our favorite NoSQL implementation, Apache Cassandra.
Supporting the group with food, beverage, SWAG, venues and speakers.
Venue, Food, Beverage, Speakers, Hosting
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BKK to Singapore Flights
Other Popular Flights from Bangkok
Top Bangkok Flights to UK Destinations
Bangkok to Manchester (BKK - MAN)
Bangkok to London (BKK - LGW)
Bangkok to London (BKK - STN)
Bangkok to Edinburgh (BKK - EDI)
Bangkok to Birmingham (BKK - BHX)
Bangkok to Bristol (BKK - BRS)
Bangkok to London (BKK - LTN)
Bangkok to Glasgow (BKK - GLA)
Bangkok to East Midlands (BKK - EMA)
Top Bangkok International Destinations
Bangkok to Amsterdam (BKK - AMS)
Bangkok to Paris (BKK - CDG)
Bangkok to Dubai (BKK - DXB)
Bangkok to Barcelona (BKK - BCN)
Bangkok to Hong Kong (BKK - HKG)
Bangkok to London (BKK - LHR)
Bangkok to Singapore (BKK - SIN)
Bangkok to Las Vegas (BKK - LAS)
Bangkok to Rome (BKK - FCO)
Other Popular Flights from Singapore
Top Singapore Flights to UK Destinations
Singapore to Manchester (SIN - MAN)
Singapore to London (SIN - LGW)
Singapore to London (SIN - STN)
Singapore to Edinburgh (SIN - EDI)
Singapore to Birmingham (SIN - BHX)
Singapore to Bristol (SIN - BRS)
Singapore to London (SIN - LTN)
Singapore to Glasgow (SIN - GLA)
Singapore to East Midlands (SIN - EMA)
Top Singapore International Destinations
Singapore to Amsterdam (SIN - AMS)
Singapore to Paris (SIN - CDG)
Singapore to Dubai (SIN - DXB)
Singapore to Bangkok (SIN - BKK)
Singapore to Barcelona (SIN - BCN)
Singapore to Hong Kong (SIN - HKG)
Singapore to London (SIN - LHR)
Singapore to Las Vegas (SIN - LAS)
Singapore to Rome (SIN - FCO)
BKK to SIN Route Map
Bangkok to Singapore Stats, Flights and Airplanes
Airline carriers and airplanes used on flights from Suvarnabhumi Intl. Airport to Changi Airport
Airline carriers and aircraft used on those flights by: Air India Limited, Air Madagascar, Cathay Pacific, Scandinavian Airlines, Singapore Airlines
Air India Limited
Air Madagascar
Cathay Pacific
Scandinavian Airlines
Singapore Airlines
Singapore Airlines
Boeing 777-200 pax
Boeing 777 all pax models
Boeing 777-300 pax
Airbus A330-300
Airbus A330-300
Boeing 777-200 pax
Suvarnabhumi Intl. Airport Airlines
Browse the the most popular airlines servicing the Bangkok (BKK) airport. Visit their flights pages to learn more about the most popular routes these carriers fly.
Changi Airport International Airlines
Browse the most popular airlines servicing the Singapore (SIN) airport. Visit their flights pages to learn more about the most popular routes these carriers fly.


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Software Map
Tag cloud | Project Tree | Project List | ADMS.SW meta-data
Project tree
Now limiting view to projects in the following categories:
Topic :: Debian :: Packaging [Remove This Filter]
Topic :: Software Development :: Interpreters [Remove This Filter]
Operating System :: POSIX [Remove This Filter]
License > OSI Approved > GNU General Public License \(GPL\) |
Browse By: |
1 project in result set.
0. Ruby Packaging Bits for Debian - Ruby Packaging Bits for Debian.
This includes the build files and patches that Debian applies against the upstream ruby versions. | |
Registered: 2003-08-05 06:13 |


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Troubleshooting & Repairing the Nissan Xterra Air Conditioning
Member-Contributed Guide
An awesome member of our community made this guide. It is not managed by iFixit staff.
Air Conditioning cools sometimes but the compressor turns off and cooling stops.
- Author: Doug Layne
- Time required: 60 minutes
- Difficulty: Moderate
The 2000 Xterra's Air Conditioning is sometimes cool but may not work other times. The Air Conditioning System will get cold when the Compressor Clutch is engaged but the clutch quickly quits and just blows semi cool to warm air.
One possible cause of this symptom is that the Thermistor may be defective. Here is how to troubleshoot and replace the thermistor.
The Thermistor connector is located below the glove box. You can see the white connector hanging out from under the dash.
The purpose of the Thermistor is to keep the Evaporator from freezing. It does this by measuring the temperature and turning off the Compressor when the Evaporator gets below approx. 40 degrees F allowing the Evaporator to defrost.
Locate your Air Conditioning Compressor. The clutch is the center area. If the clutch is engaged the center area will be turning. It will be turned off by the Thermistor to prevent the Evaporator from Freezing.
Here are the tools that you'll need to complete this guide.
Test the thermistor by turning the Engine ON and the Air Conditioner ON.
Using a Voltmeter (set to DC Volts), the Green/Orange wire will have battery voltage (around 13.5vdc) from fuse #29 in the under hood fuse box.
The Blue wire will have battery ground from the AC control assembly.
The most important wire is the Blue/Black wire. The Voltmeter will show less than .5 volts with the thermistor on (temperature above 45 degrees F). It will show a nominal 4-5 volts with the thermistor off (temperature below 40 degrees F).
During inital operation, the temperature at the evaporator will be above 45 degrees and the Voltmeter should read less than .5 volts. When the temperature of the evaporator is below 40 degrees F, the Voltmeter will read 4-5 volts which turns the Air Conditioner Compressor OFF. This keeps the Evaporator from freezing.
If your Thermistor is reading 4-5 volts when you first turn the AC on then your Thermistor is defective and needs to be replaced.
Replacing the Thermistor requires removal of the glove box.
Remove the four upper screws and the two lower screws as indicated.
Using a philips screwdriver, remove three screws. (as indicated by the orange circles)
Using a 10mm socket, remove four bolts (as indicated by the blue squares) The two on the right are easy to see but the two on the left are difficult to see and are behind structure.
Here's were it can get tricky. Of course the correct way to replace this is to completely evacuate the system and remove the evaporator but with a little ingenuity you can have it replaced in 10 minutes.
Open the evaporate shell by splitting the halves. I used a spring clamp, backwards, to help me hold the halves open.
Using a long pair of needle nose pliers, gently work the Thermistor out of the evaporate fins.
I purchased a new Thermistor for $52 at the dealership. Install the new thermistor by using the Long Needle Nose Pliers to insert into the evaporator fins.
Removing the connector from the bracket was difficult and I broke the bracket. I was happy to see that a new a mounting bracket came with the new thermistor. You will need a small sheet metal screw to attach the mounting bracket in a hole next to the existing mounting bracket. They provided a hole for you to mount the new bracket. ( I guess they al
Comments Comments are onturn off
Excellent information. My 2003 Xterra was acting up with the AC compressor kicking off and on when the vehicle got up to temperature. One mechanic told me the compressor was knocking and ready to fail. I found out that it was simply overcharged with Freon after a high pressure AC hose replacement. It has worked fine for two years now after getting the Freon right.
Article by Doug Layne was the answer to my 2000 Nissan Frontier Crew Cab. The Thermo Amplifier was the cause of my problem. A/C works like new. Also make sure you clean inside the unit. I have no idea how so much dirt got into the unit. Must be poor design.
Thanks Doug from another Doug
Doug Wacha, · Reply
In step 6, part of the sentence is cut off, what should it say: "They provided a hole for you to mount the new bracket. ( I guess they al"
This info was awesome! I was having the same problem ( cold air and when you shut the car off it might not come back for 10 - 15 min after restart. got an ac thermistor amplifier and did the install as shown ( great pictures and info ) and problem is fixed. Thanks for sharing . Wife drives the xterra and is very happy :) :)
What if you don't pick up any volts from the blue/black wire?
Eddie luna , · Reply


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Hi M and P ... yes .. did u say something about being in hospital last year because of gel drinks?????
you can see the sort of stuff I usually drink .... sounds nasty?
*runs into thread screaming*
I'm in the GNR!!!!!!!!!!!!!!!!!!!!!!!!
*runs out again panicking*
Thanks Andrew.I'll need al the luck i can get *wibble*
*wanders off muttering things to herself*
aw well done EB!!!! me and Em didnt get in but we trying for general ballot and we can both do it through work if worse comes to worse coz our company always has loads of places in it! sp we'll all be there trembling on the start line!!
set a sponsorship page up hun so we can all donate!
naomi - i'll sponsor you for def but erm mind if i wait till payday? im now having to buy boots lunches with points to try and scrimp and save!!
it's friday everyone!!!!!!!!!!!
I went for a brisk walk last night, 2.5 miles (according to fetch route planner) in 35 minutes. As next week is the run/walk phase I decided that at the next lamppost I would run, at least until the lamppost after, I managed 4 and then was at home but felt good, apart from my man boobs bouncing. My main worry is the way I look while running, good job it was dark
Other good news is the fact I have lost 6 pounds in the 2 weeks I've been doing this
Well done EB like godders83 I didnt make it so it's the general ballot for me.
If that dosent work then it will have to be a charity place if there are any going.
you go Andrew that's fab progress we all have to start somewhere god i remember when i first started and i thought i'm never going to be able to this running malarky but look at me now Well done on the weight loss too.You could always try a sports bra for your man boobs
G and Em you better be there and good luck Kevin Does anyone know if shawnus has got in?
hehe i'm sure the next ballot will be fine. be a shame to finally apply for a race and not get in!!
Garmin is bril, used it last night...i just wished it played music as well then I wouldnt need my mp3 anymore!! maybe on the forerunner 306??
I've run twice this week, tuesday lunchtime, in London, with someone else! that was...different. Welcome distraction even if it did slow me down a bit
What garmin did you get shawn? Get sporttracks, the garmin training centre is awful.
EB, well done! Hopefully godders and the rest will get in oh and speaking of sponsorship
305, on ebay woot. Although if anyone wants one I found a website that sells them at an ok price
I dont know what charity my workplace is supporting this year... maybe i should change companies...
me and Em will be there - we both work for deloitte and they have loads of places in chairities if we dont get in via the general ballot! so dont worry EB - we all still racing round together!!
ooh skel im so jealous of ur garmin!! i want one sob!!!!
shall sponsor you as well mart when pay comes!!
Skellie so does that mean i'm still on to whoop your ass I have an internal mp3 player it's cool always plays the songs i want it to I'm just not even going to comment about that other thingymajiggy gizzmoy whatchacallit you've got
Thanks Mart will sponsor you when pennies allow me this 'after christmas' has hit me hard this year
G me you and Em will wallop skellie NO PROBLEMO!!!! i'm actually starting to look forward to this now How is Em doing haven't heard from her for ages.
Thanks Naomi as well will sponsor you too same as Mart.
Think i may have a look at smartcoach for a training programme see dedication already
woohoo for EB - no excuses now girl, so good to see you getting excited about running againBoohoo for you others - you'll all get in one way or another though I'm not even entering the ballot - here's why ----------> kwala's poorly ankleLots of techie lingo in there, but the long and short of it is NO RUNNING for a LOOOOOOOOONG timeDitto for me re the sponsorship - I get paid early in December, so January is a very long month, remind me at the end of the month and I'll sponsor everyone!


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I have a Giant Anthem X, it has 3 inches of travel. I really enjoy fast flowy trail. I know I will not be blasting rock gardens or doing huge drops. Would it be worth my time and money to ride the bike park on this bike?
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The annual Albuquerque Balloon Fiesta takes place October 6-14, and we want to see your photos and videos from the event!
Upload your photos and videos to the Balloon Fiesta category to appear in the slideshow above. Please include a brief description of the photo or video. Your upload may be used on-air!
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Next Level Hoof Fluid
This page contains information on Next Level Hoof Fluid for veterinary use.The information provided typically includes the following:
- Next Level Hoof Fluid Indications
- Warnings and cautions for Next Level Hoof Fluid
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Next Level Hoof Fluid
This treatment applies to the following species:Biotin - Methionine - Lysine - Zinc - Msm
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Active Ingredients Per Ounce
Methionine |
2000 mg |
Lysine |
2000 mg |
Methylsulfonylmethane (MSM) |
1000 mg |
Zinc |
53 mg |
Biotin |
20 mg |
Copper |
18 mg |
Inactive Ingredients
Artificial flavoring, cane molasses, corn syrup, guar gum, potassium sorbate, sodium saccharin, and water.
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If animal's condition worsens or does not improve, stop product administration and consult your veterinarian.
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text:
May 22, 2009
Summer Crown
Evidence of Summer Abound
when she knits her summer crown
Weave of petal, stem, and leaf
Magical land of make believe
Queen for a minute, an hour, a day
Letting the day unfold as it may
In sunflower castles, she rules her land
creating more lovelies with her hands
And when the crown does wilt away
She'll knit again, another day.
Get inspired for summer and check out the porch swings at Hooked on Houses with the amazingly creative Juila!
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Analysis, Restoration and Preservation of the Japanese Sword - Course of Specialisation, Florence, 18 - July 23 rd 2005
CONSERVATIVE RESTORATION OF THE JAPANESE SWORD. Introduction to the exploitation of the techniques for the conservation and restoration. Promoted and patronised by the Romualdo Del Bianco Foundation in co-operation with the Stibbert Museum Florence and the Centre of Studies and Research of the University of Tokyo in Florence.


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List price $13.91
You save $3.20 23% off
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- Publisher: Oxford University Press
- Format: Paperback | 288 pages
- Dimensions: 127mm x 191mm x 15mm | 181g
- Publication date: 15 July 2008
- Publication City/Country: Oxford
- Edition statement: Reissue
- Sales rank: 115,581
Product description
On Obligations (De officiis) was written by Cicero in late 44 BC after the assassination of Julius Caesar to provide principles of behaviour for aspiring politicians. It explores the apparent tensions between honourable conduct and expediency in public life, and the right and wrong ways of attaining political leadership. The principles of honourable behaviour are based on the Stoic virtues of wisdom, justice, magnanimity, and propriety; in Cicero's view the intrinsically useful is always identical with the honourable. Cicero's famous treatise has played a seminal role in the formation of ethical values in western Christendom. Adopted by the fourth-century Christian humanists, it beame transmuted into the moral code of the high Middle Ages. Thereafter, in the Renaissance from the time of Petrarch, and in the Age of Enlightenment that followed, it was given central prominence in discussion of the government of states. Today, when corruption and conflict in political life are the focus of so much public attention, On Obligations is still the foremost guide to good conduct. ABOUT THE SERIES: For over 100 years Oxford World's Classics has made available the widest range of literature from around the globe. Each affordable volume reflects Oxford's commitment to scholarship, providing the most accurate text plus a wealth of other valuable features, including expert introductions by leading authorities, helpful notes to clarify the text, up-to-date bibliographies for further study, and much more.
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P. G. Walsh has translated four previous classical works for OWC: Apuleius, The Golden Ass; Petronius, Satyricon; Boethius, The Consolation of Philosophy; and Cicero, The Nature of the Gods


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Reality check
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Reality check
Hey everyone! I've been lurking here for a few years and I figured it was about time for a reality check as I find myself getting more and more enticed by the liveaboard lifestyle.
I've been sailing since I was a kid and absolutely love traveling. I'm 21 now, going into my 4th year of Uni. I'm doing a visiting researcher/study abroad program in Japan and will be here through the end of 2011. After that I'll be returning to Florida for a few more classes and then graduating. I really like the idea of living aboard and having the complete freedom to travel and would like to do this before I get tied down in a serious job.
I have 30k in savings from working through college and have been looking at prospective boats on yachtworld to see what's available. I think something in the 8-10m (28-32ft) range and around 10k best suits my needs. I'd be buying during the off-peak season with lots of haggling. The O'day strikes me as a good prospective, but I am slightly concerned over its blue water seaworthiness. Are boats in this size category suitable for Atlantic/Pacific crossings? I'd be starting off in the Gulf/Caribbean for a while, but eventually want to make my way over to Europe and Asia (and anywhere else I might get a job offer). I'm an engineer, so I'm not too worried about fixing up and making improvements to the boat as long as it has a solid hull. What are some other boats I should be looking at?
As far as my budget goes, after allocating for the initial boat cost and upgrades I'm planning for ~$1000/month of expenses with an additional emergency reserve fund. I'm going to try and do a rotation work cycle where I work for 3 months, take 3 months off etc.. so I should have effectively a zero net income for however long I decide to do this.
I often read on these forums that you guys wish you had started doing this at a younger age and I'm trying to take that advice
Thank you all for the help and let me know if you need any more information!
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« Ghostlimb releasing 'Infrastructure' (new song premiere) | Davila 666 releasing 'Tan Bajo' -- MP3 & lots of tour dates »
photos by Amanda Hatfield
"Guitar innovators" Kaki King and Pedro da Silva each played a 30 minute set at the Museum of Modern Art last night, 2/23...
Organized in conjunction with the exhibition Picasso: Guitars 1912-1914, this program highlights the work of artists as innovative and singular in their approach to the sound of their instrument as Pablo Picasso was to the shape of his radical cardboard and sheet-metal guitars.For Kaki it was the first of many dates scheduled throughout February, March and April. She heads to Mexico before California this weekend, and she plays two more NYC shows at City Winery in April. More pictures from MoMA, below...
Pedro Da Silva
Kaki King...
Comments (17)
My copy of "Everybody Loves You" oxidized!!! And I paid 10 bucks, and Kaki sold it to me----Kaki!
Posted by Anonymous | February 24, 2011 5:00 PM
anon 5:00 don't email that guy, it's a trap. He's a Nigerian Prince!
Posted by Anonymous | February 24, 2011 6:09 PM
big tits? looks like she might have big tits. if so, think she takes big loads on them like a filthy slut?
Posted by Anonymous | February 24, 2011 11:16 PM
i got a weak spot for them carbon Ovations from back in the day. it's a wierd fetish.
not that her guitar is that old.
but still, just thought i'd share my O fixation with ya'll.
also, I believe James Iha played one of those Harp geetars on the Tonite Tonite video.
that is all.
Posted by the jim | February 25, 2011 10:35 AM
Man I wanted to go to this sooo bad, but I'm glad to see Brooklyn Vegan is once again there for me
Posted by Dinosaur Master | February 26, 2011 4:15 PM
"It looks like she went full retard."
See an optometrist.
Posted by Anonymous | February 26, 2011 6:06 PM
That weird guitar is called a harp guitar which came into the popular market by the amazaing michael hedges. Kaki sucks at playig it check out some really good harp guitar players like Michael Hedges, Andy Mckee, Don Alder,Stephen Bennett and theres a lot more.
Posted by haveahoot | December 13, 2012 2:46 AM
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Zwei Sonaten
Instruments: | Oboe Violin Cello Viola Double Bass B-Flat Trumpet Piano and Keyboard | Genres: | Classical |
Zwei Sonaten (C-Dur und D-Dur). By Daniel Purcell. Edited by Frank Nagel. For trumpet (oboe), strings and basso continuo (5 violin I, 5 violin II, 3 violas, 5 cellos/double basses). This edition: CON 117-70. Orchestra Music. Concertino (Chamber Orchestra). Grade 3. Set of parts. 44 pages. Duration 7 minutes. Published by Schott Music (SD.49001709).
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Sheet Music Plus offers one of the world's largest selection of sheet music. Their collection includes music books, music sheets, songbooks, music scores, choral sheet music in many genres.
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Calls for Resignation, Recall in Fullerton over Kelly Thomas Beating
Ed Carrasco |
That death has sparked investigations from both the Orange County District Attorney's office as well as the U.S. Justice Department. But based on comments at Tuesday's meeting, plenty of Fullerton residents are ready and eager to draw their own conclusions.
Ed Carrasco |
Ron Thomas, father of the late Kelly Thomas, addresses the Fullerton City Council |
From denunciations of former Police Chief Pat McKinley (who helmed Fulllerton's PD from 1993 to 2009, before his election to Fullerton's City Council in 2010) to calls for current Police Chief Michael Sellers to resign, the tenor of the three-and-an-hour-half public-comment portion of the council meeting was tense, to say the least.
Ed Carrasco |
Chief Michael Sellers looking out at the crowd during public comment |
The announcement at the beginning of the meeting that all six
officers involved in Thomas' apprehension have been put on
administrative leave did little to dull residents' ire.
Ed Carrasco |
Mayor Pro Tem Don Bankhead (left), Mayor Dick Jones and Councilwoman Sharon Quirk-Silva |
Some 70 people were allowed to speak for three minutes each during
the public comments. Mayor Dick Jones
announced around 9 p.m. that public comments would be suspended at 10
p.m., in order for the city to deal with business that didn't involve
employees allegedly beating to death an unarmed, mentally ill person. (I'm paraphrasing that last part.)
Ed Carrasco |
Tony Bushala takes to the podium to threaten three councilmembers with a recall petition |
After a great deal of venting of community anger, a bit of news emerged near the end of public comments. Tony Bushala, who runs the Friends for Fullerton's Future blog, announced that, within 72 hours, he would circulate a petition asking for the recall of Don Bankhead, Jones and McKinley, the three Fullerton council members who have not gone on record demanding that a city-owned surveillance tape of the area where Thomas died be released to the public.
UPDATE, AUG. 3, 5:35 P.M.: In addition to taking photos, writer/photographer Ed Carrasco gathered these reactions from Fullerton residents in the crowd after the meeting:
"The council was stonewalling and bullshitting [tonight]. If they don't do what we want, we will remove them! We will do everything we can to get this recall through. If not, rest assured that Bankhead, Jones and McKinley will not be re-elected when their terms are up." -- Andy Anderson
"The people here tonight are angry. [Chief] Seller is as corrupt as the officers he oversees. It starts from the top." -- Erin Lewis
"I apologize as a Fullerton resident [for the abuse by the six police officers]. I am thankful that the audience tonight understand that the city has graceful and understanding people, not like the six sadistic cops.... If I were a police officer, I would be angry that these officers weren't taken out of the force soon." -- Courtney Long
The Weekly's previous coverage of Thomas' death:
• "Justice for Kelly" Chanted at Vigil for Fullerton Police Brutality Victim
• Hundreds Protest Fullerton Police Brutality After Disgraceful Kelly Thomas Killing
• Protest Fullerton Police Brutality Today: Victim's Vigil Tonight
• Fullerton Cops Involved in Death of Kelly Thomas Back On Duty
• Kelly Thomas' Officer-Involved Death Was Videotaped; Councilman Calls for Release to Public
• Kelly Thomas' Retired-Deputy Father Blasts Fullerton Police for 'Killing My Son'
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UPDATE: So much for all that. Now general manager Neal Huntington has announced that Rodriguez will make the Opening Day roster after all.
Prior to the Rule 5 draft in December the Pirates talked about not being particularly excited about their options with the No. 1 pick and then made a selection that was widely panned, taking infielder Josh Rodriguez from the Indians.
In recapping the draft, Baseball America described Rodriguez as an "offensive-minded utility type" and "bench fodder, not a potential regular."
Four months later Dejan Kovacevic of the Pittsburgh Post Gazette writes that Rodriguez "probably will not make the 25-man roster out of spring training" and the Pirates must offer him back to the Indians if he doesn't remain on the major-league roster all season.
That may seem like a misstep by the Pirates, particularly since everyone is so used to their making missteps over the years, but ultimately the Rule 5 draft is a crapshoot where the success stories are few and far between and even teams with the No. 1 pick rarely strike gold. In fact, the No. 1 pick in the Rule 5 draft failed to stick in the majors all season in 2010 (Jamie Hoffman), 2009 (Terrell Young), 2008 (Tim Lahey), and 2007 (Ryan Goleski).
There have been plenty of worthwhile Rule 5 selections during that time, including stars like Josh Hamilton and Joakim Soria, but it looks like the No. 1 pick will fail to stick for the fifth straight season.
- jstrizzle - Mar 24, 2011 at 11:03 AM
Johan Santana was also a Rule 5 draft pick for the Twins.
- nps6724 - Mar 24, 2011 at 11:40 AM
As was Dan Uggla.
- dodger88 - Mar 24, 2011 at 11:46 AM
Roberto Clemente was arguably the best rule 5 pick up ever; unfortunately the Pirates took him from the Dodgers.
- sportsdrenched - Mar 24, 2011 at 12:35 PM
Being a Royals Fan I know more about the Rule 5 draft than I should. Soria was a good pick-up. However, the Rule 5 guys usually come up, do OK for a few weeks and then fall back to obscurity.
The Royals pick this year Nate Adcock has had a nice spring. Will probably make the club. But it's still anyones guess if he's still around in July.
- spudchukar - Mar 24, 2011 at 12:56 PM
Checking out the Royals boxscore yesterday, I noticed Adcock's name. Is he any relation to the Braves former 1Bman, Joe?
- dodger88 - Mar 24, 2011 at 1:08 PM
No relation as far as I can tell.
- Brian Murphy - Mar 24, 2011 at 2:08 PM
But who will fill the nation's "J-Rod" void????


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abbyjoe1's Mom Answers Activity
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My mother showers with my baby. Isn't that odd?
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I know that it is really hard to shower and watch a baby at the same time though...
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More flight details regarding the new service can be found in the "new route launches" section on the right hand side.
Wednesday, March 11, 2009
Lufthansa to Split
Soon in Split
Lufthansa, the national carrier of Germany and the largest national carrier in Europe will be commencing services to the Croatian city of Split, located in the South of the country. This will be the first time Lufthansa has flown to the coastal city. Lufthansa will commence the new service from Munich on March 29. Flights will operate twice per week. The reason Lufthansa will commence flights to Split is because of its immense popularity amongst German tourists. During the tourist season last year, over 9.000 German tourists visited the area.2 comments:
- AnonymousMarch 11, 2009 at 11:04 AM
is this a completely new route, or does another airline (eg OU) already fly the route?
if so, what frequency are flights already at?
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PharmaHandbook: BRIC (Brazil, Russia, India, China) 2013 Edition
- Language: English
- 152 Pages
- Published: July 2013
- Region: Brazil, BRIC, China, India, Russia
SOURCE SELECT is China's premier newswire, research tool, and customizable product tracking system dedicated to the pharmaceutical and biotechnology industry. This online and email alert service includes searchable access to more than 5,500 news briefs, 100+ special reports covering key aspects of the industry, a raw news database with comprising 130,000+ original articles and access to more than 45 interviews with top industry leaders.
GBI analysts monitor over 550 Chinese language news services and produce daily briefs covering industry developments. Briefs are categorized by theme, companies mentioned, and products. Alerts are customizable to track the products of your choice from registrations and pipeline movements to the latest news briefs and national policy releases.
Included with SOURCE SELECT is access to all back issues of the CPB Review (more than 3 years of searchable content), as well as monthly delivery of new issue of the CPB Review. Also included is full audio and transcriptions for exclusive interviews with industry leaders, as well as special reports covering key aspects of China's pharmaceutical industry.
SOURCE SELECT is an ideal news and research


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recipe reviews for:
"A creamy filling of chicken, sour cream, and cheese gets an added "kick" stirred into it with Pace® Picante Sauce. Rolled up in tortillas and baked until bubbly, these enchiladas couldn't be easier, or any more delicious."
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This one-pot Mexican classic is easy and packed with flavor.
This dish is delicious, and so easy with Campbell's® Cream of Mushroom Soup.
See how to make juicy roasted turkey with a savory gravy.


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Lava Heated Blocks (Minecraft)
January 17th, 2013I very recently begun making modifications to Minecraft. The very first thing I came up with was to make lava heat up blocks next to it. This went over well with people on Reddit, so much so that a YouTuber made a Spotlight about it. This makes me very happy.


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GQ's recent piece about Gary Johnson is a pretty long article and I sat and read all of it straight through-- it's absolutely fascinating reading about "the most compulsively honest Republican in the race." Read it all at GQ.com.
Wes Messamore,
Editor in Chief, THL
Articles | Author's Page
Friday, September 23, 2011
GQ Article: Is Gary Johnson the Sanest Man Running for President?
W. E. Messamore
2012|By: W. E. Messamore|Commentary|Conservative|Electoral Politics|Libertarian|Politics|The U.S. Republican Party|The US Executive|
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Our tractor has come and gone. We spent two blissful days digging and filling holes and transporting landscaping materials around our yard. Then Geoff noted a fly in the ointment. The swing cylinder of the backhoe was digging as well...into the rear tire. Panic ensued: did we have a lemon? Would our happy farming days slip through our hands? Could the tire be overinflated? Reading the manual we encountered the illustration of a man thrown from the explosion of an overinflated tire...more panic! Geoff tested the tire pressure and found it to be at 4 times the recommended amount. This may account for the poor fit between the cylinder and the tire, but we are leaving the resolution of this crisis to the mechanics.
Soon we will post delightful anecdotes about the merits of adopting a tractor and all the joys and conveniences it provides. In the meantime we have only our memories, and our daydreams...the hard packed soil of our pasture broken and compliant, sitting high in the saddle and looking out across the acres. The dust swirls, the sun beats down and a vision takes form: plowed fields, fertile and expectant, and an orchard of guava, avocados, blood oranges and apple trees. The pond sparkles like an azure gem. The grapevines twine their supple tendrils, like a mother's embrace, around the fence posts and stringers. The chickens are laying, the goat is content, and the cats sleep, grinning in the shade. The children flourish. The tractor is good.
Friday, May 24, 2002
American Dream,
El Rancho,
What I Think
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Nancy Grace Settles Emotional Distress Case, Keeps Distressing Us
Nancy Grace and CNN have settled with the family of a 21-year-old mother of a missing toddler who killed herself after an aggressive Grace interview. Grace herself, of course, can keep inflicting her warped brand of victim-advocacy on the public.
More And More Judges Banning The Word "Rape" At Sexual Assault Trials
Tory Bowen, now 21, was roofied as a Nebraska college student, and when she awoke, according to the Kansas City Star, she was being raped. Sounds pretty straightforward, but a judge in Lincoln prohibited Bowen from using the word "rape" during her testimony. The term "sexual assault" was also verboten. The judge…