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Electronic copy available at: http://ssrn.com/abstract=1472751
Institutional Analysis to explain the Success of
Moroccan Microfinance Institutions
Virginie Allaire (Master's student at Burgundy School of Business)
Arvind Ashta (Professor, Burgundy School of Business, CEREN) [corresponding author]
Laurence Attuel-Mendes (Professor, Burgundy School of Business, CEREN)
Karuna Krishnaswamy (Consultant – Microfinance)
Presented at The First European Research Conference on Microfinance, Brussels, 2-4 June 2009
This paper looks at whether Morocco meets the usual criteria of a country where MFIs can succeed and
what distinguishes Morocco from its North African neighbors (Algeria, Tunisia, Libya and Egypt) where a
priori the culture is similar even though institutions may be different. The paper uses the similarities and
differences of these five countries to identify cultural, institutional, economic and geographic factors
which explain why Microfinance in particular and development in general arrives sooner in some
environments than in others. The objective of the research is to identify controllable institutional factors
which can be introduced in regulation to enable Microfinance to succeed in a country. We used a case
study approach combined with a little bit of correlation analysis. The case study approach is the most
adapted to studying small samples in more detail. The success of Microfinance is linked to population
density, smallness of a country's geographical size and its poverty as well as the amount of international
donor funds it has received. The availability of oil exports as revenues may lead to a delay in developing
microfinance. Establishing a specific legal framework for Microfinance, such as in Morocco, may help
foster the growth of Microfinance. The existence of Apex organizations for centralizing international aid
and redistributing funds may in fact lead to lower donor participation since their choices are reduced and
an extra level of bureaucratic costs is imposed. The results also indicate the need for a better quality
database than that currently provided by the MIX. Biases may come in from the small sample size as well
as from the lack of data on Libya. Future research may focus on correlation with violence, corruption,
women's rights, political risk and economic sanctions. The findings would lead microfinance institutions
to lobby for specific laws, more initial direct donor funding, less government apex distribution and better
information databases. This kind of comparative institutional analysis has not been performed, at least for
this region.
Key Words: Institutional analysis, regulation, microfinance, North Africa
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Electronic copy available at: http://ssrn.com/abstract=1472751
The ranking of the top fifty Microfinance Institutions (MFIs) by Forbes brought a surprise.
Four of the top fifty institutions were from Morocco. While we are used to seeing the large
institutions from Bangladesh in this ranking, and we imagine that institutions from densely
populated areas would make it into this list, Morocco was a surprise. A relatively small
country in North Africa, with considerable amounts of desert, does not a priori make one
think of microfinance penetration. Nevertheless, half of the microfinance beneficiaries in the
Mediterranean region are found in Morocco. The Forbes study was based on the
Microfinance Information Exchange (MIX) database of over 1000 microfinance institutions
out of an estimated population of over 10,000 worldwide. However, the MIX database is not
representative. It looks at only formal MFIs such as banks, NGOs, NBFI and semi-formal
institutions such as co-operatives. It excludes the proliferation of informal MFIs such as self-
help groups and trade finance. Therefore, we should nuance the success of Morocco and
indicate that it has successfully developed a sector of formal and semi-formal MFIs. A
second problem with the MIX database is that the data is purely self-reported and voluntary.
Nevertheless, it is a database which is publicly available and we can imagine that in terms of
number of customers reached, the MIX data base probably represents a vast majority of the
total MFIs in the world.
What is more surprising in the Forbes study is the relative absence of MFIs from the rest of
North Africa. Out of the other North African countries, one Egyptian MFI and one Tunisian
MFI appear in the Forbes 2007 ranking. Algeria and Libya are absent. A first explanation
might be in connection with the fact that it may be particularly difficult to get data about these
two latter countries. Another explanation may be that there are a number of MFIs which just
missed the top 50 rankings of Forbes but which are located in these other North African
countries. Therefore, we looked at the entire MIX collection. There are 49 MFIs listed in the
North Africa and Middle East region. Of these, 22 are in North Africa. The break-down of
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these MFIs is given in Annex 1. The analysis confirms the Forbes sample. Moroccan MFIs
constitute 85% of gross loan portfolio and 70% of total number of borrowers in North Africa.
This is notwithstanding the fact that there are more Egyptian MFIs (11) in the database than
Moroccan (10), with the last being Tunisian. The high outreach of Morocco is because
Morocco has many well-developed MFIs, followed by Egypt and Tunisia. Once more, there is
a complete absence of Algerian and Libyan MFIs in the database. It is possible, a priori, that
MFIs in Algeria and Libya are of the semi-formal or informal type. Even if there is under-
reporting to the MIX from Algeria and Libya, it does appear that there is considerably less
microfinance penetration in these 2 countries. But without data, it is not possible to confirm
All this explains why it is interesting to examine why some countries succeed in establishing
formal MFIs and others do not. A priori, these North African countries share some common
physical and human geographical traits. They are all Mediterranean countries, with large
tracts of deserts of different types. They have a similar historical background steeped in
Islamic traditions. This means that many elements of human geography and some soft
institutions are shared.
The paper would like to use the similarities and differences of these five countries to identify
cultural, institutional, economic and perhaps geographic factors which explain why formal
microfinance arrives sooner in some environments than in others.
The paper conducts a literature review to list factors which are commonly considered to be
relevant factors, based on individual country longitudinal studies or multi-country cross-
sectional studies. These factors are then analyzed for these five countries. Based on this, we
can report whether correlations confirm or negate expected roles attributed to these factors.
After that we go into a deeper institutional analysis of these countries. For this, we first
compare the broad political, economic and legal environment and the financial institutional
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framework in the five countries and then we look at the historical evolution of Microfinance
Institutions in these countries.
Preliminary Statistical Analysis
A recent paper by Vanroose (2008) is based on a multi-country survey of over 115 countries.
Three of the six propositions she tested were not validated: no significance has been found.
Two were validated. In one she found the inverse of what she expected. Her research has
been a starting point in order to test other factors for explaining microfinance growth.
Our study, based on different data, tests her results for our five country sample. We also
consider other factors which may explain the success of one country rather than another.
Although a small sample size limits the statistical validity of the research, it permits a deeper
analysis and appreciation of qualitative factors, yielding different results.
The preliminary analysis is based on four or five countries, depending on whether we were
able to find information on Libya. Information for the other four countries was usually
available from mixmarket.org, from the World Bank World Development Indicator and Global
Our results for the different hypothesis are presented in Annex 2. Conclusions about this
preliminary statistical analysis can be dispatched into two categories: economical matters
and political choices.
The proposition according to which microfinance is more present in poorer countries among
developing countries seems to corroborate the mainstream argument (and reverses the
finding of Vanroose (2008)) that richer countries (GNI per capital) have less Microfinance, at
least in the sample of four countries for which we have information. It could be argued that
among developing or middle income countries, microfinance takes root as a poverty
mitigation tool and is therefore more prevalent in poorer countries (Westley, 2005). However,
the correlation is significant only at 89% confidence level. We went a step further and used
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GDP corrected by purchasing power parity. Not only the negative correlation got confirmed,
but now the results became significant.
For the relationship between inflation and microfinance, we find low correlation, confirming
Vanroose (2008) results (Jacquier, 1999).
As regards the proposition that microfinance could be spurred by donors (Imboden, 2005),
we find a modest positive correlation between microfinance and aid to GNI ratio.
We have tested for the proposition that larger countries should logically have more
microfinance. The size of the country has been based on three variables: GNI, population
and geographical area. Our proposition on large size of the country affecting Microfinance
provides curious results. There is rather low correlation with respect to both GNI and to total
population. However, there is a strong correlation to geographical size, but ironically it is
negative. This may be due to the fact that most of the large size is desert and that in fact the
large size is related to lower population density. For population density, the four country
survey conforms to conventional wisdom (Hulme and Moore, 2005). There is a high
correlation between Microfinance outreach and the population density of the country.
While Vanroose (2008) finds an insignificant relationship to level of industrialization, we find a
high but, again, non-significant correlation to manufacturing value added figures.
We also looked at economic growth. The hypothesis would be that growing countries would
need more financing or more financing would lead to faster growth (Crabb, 2008 Rhyne,
2001). In either case, we would expect a positive correlation. For the relationship between
growth rate and microfinance, we had found a high correlation with the 2006 growth rate in
GNI. However, growth rates fluctuate. So, we took the average growth rate over the eight
year period 1999-2006. Our analysis does not show a high coefficient of correlation.
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Also, since we had data for the cost of setting up business easily, we tested the proposition
that lower set up costs encourages enterprise which should increase the demand for
Other fields have been explored; they are all connected with political or institutional factors.
It is possible that set up costs to create enterprises discourages enterprise and reduces the
need for micro-financing. However, low enterprise registration costs as a function of GDP per
capita also did not show any correlation.
Another explanatory factor could be competition by other sources of microfinance. We find a
strong and significant negative correlation to the rank between percent of population served
by postal accounts. This new channel of financing could replace traditional banks where
microborrowers are excluded from classical banking system.
The correlation to public infrastructure as a determinant of MFI expansion was tested by
looking at the percent of roads that were paved as an indicator for ease of reach. There was
no correlation.
We had expected, in line with the Vanroose (2008) literature review, that the development of
microfinance would be influenced by literacy levels. However, we find a high negative,
significant, correlation with male adult literacy, suggesting that microfinance could be co-
related to low literacy levels which is in turn correlated to lower income levels in those
Having looked at the different explanatory variables, we find that the only high correlation
factors with significance to explain the success of Morocco seems to be population density,
poverty, low literacy rates, extent of industrialization, small geographical size and absence of
postal services.
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Are these factors sufficient or do we need to go deeper into an institutional analysis?
According to Zuberi et al. (2003) even phenomena like fertility rates and death rates could
have structural effects on society, with a two-way relationship. Therefore, we need to look at
specific institutional factors. This will be the focus of the next section.
Institutional Analysis of North African Microfinance
We look at the institutional analysis from five different perspectives. We look at the political
history of these countries, their economic environment, the legal and institutional framework,
the history of the growth of microfinance in these countries, and the characteristics of some
of the more successful MFIs of this region.
Political History. As a brief history of the five countries, we can say that four of the Maghreb
countries (with the exception of Morocco) were part of the Ottoman Empire till the late 19th,
early 20th centuries. Europeans (French, Italian and British) started their occupation of the
Arab countries during the 19th century: the conquest of Algeria, Morocco and Tunisia by
France; the British invasion in Egypt, the Italian colonisation of Libya. Morocco, Tunisia and
Egypt benefited from a protectorate status but Algeria and Libya experienced colonisation
movements. The independence of the five states of North Africa was realized between 1951
and 1962. The results of our historical analysis are in table 1 below.
Table 1: Political comparison of the five North African Countries
Morocco Egypt Tunisia Algeria Libya
Beginning of European
1832 1882 1881 1830 1912
Date of independence 1956 1952 1956 1962 1951
Length of colonization (in
124 70 75 132 39
Colonial form
Colonial country
Great Britain
socialism, then
Political influence Liberalism Liberalism Socialism Socialism
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Political government Constitutional monarchy Republic
official pluralist
parties system
usually backed
by military
Republic, but
considered as a
military dictator
Religion Islam Islam Islam Islam Islam
From table 1, we can see that all the countries share a past with high influence of
imperialism, having gained independence at different dates in the 1950s and 1960s.
Therefore, the fact of imperial presence does not seem to matter, nor does the number of
years since independence have any correlation with the rank in microfinance, nor the number
of years of colonial presence. The latter correlation coefficient increases but does not
become significant if we can increase the number of years of imperial influence of Egypt to
154 years if we add the first attempt in 1798 with the Bonaparte's Campaign of Egypt.
However, whereas Morocco and Tunisia had protectorate status, Algeria was a colony of
France. Therefore, perhaps, the depth of imperialistic influence in the past may have a
correlation with the extent and persistence of nationalistic post-independence influence. This
nationalistic sentiment, in Algeria – where French colonization lasted over 132 years – and in
Libya, may have been responsible for a politically isolationist attitude, thus cutting off
international aid, vital for the development of microfinance. Moreover, the same nationalism
may also have led to a closed mind to try out ideas like microfinance which succeeded
An alternative explanation could be that Libya and Algeria chose a socialist model, aligning
with the USSR, and as such they received little international aid, and hence microfinance did
not develop.
Libya is considered to have a dictator, Morocco is a monarchy, and Algeria, Tunisia and
Egypt are democracies. Therefore, as far as formal institutions are concerned, Morocco
would be closer to Libya and Algeria would be closer to Tunisia and Egypt. However, a
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deeper examination would look at the de facto working of the political party systems to
examine if there is real democracy or one-party domination backed by a military regime in
Algeria (Bouandel 2004)1
Moreover, all the countries share a similar religious Maghreb Islamic culture. Thus, the
influence of this aspect of religion and culture cannot be analyzed.
, for example and whether Morocco is not in fact a constitutional
Monarchy such as UK. These aspects and their role in Microfinance are left for further
Ultimately, our analysis of the political history would indicate that the isolationist and
dictatorial regimes may have had an influence in the retard in the development of
Microfinance in Algeria and Libya.
Future research needs to treat this issue further. As indicated by Zuberi et al. (2003),
colonization and the redefinition of borders in large tracts of Africa creates heterogeneous
societies with conflicts and violence, less inducive for economic development. This issue
needs to be more deeply examined for North Africa specifically to check if borders have
really been shifting and whether it is as affected by migration as sub-Saharan Africa.
Economy. Our comparative economic analysis of these countries suggested additional
possible explanations. Table 2 provides a brief description of these economic indicators
(other than those already analyzed in Annex 2). From this, analysis, we note that Libya and
Algeria are major oil exporters while Morocco and Tunisia are not. We find a significant
negative high correlation between the level of economy dependent on oil exports and
microfinance. Oil rich countries may have other mechanisms of looking after the poor:
therefore, financing micro-entrepreneurs may not be necessary. We find that all the five
countries also import oil. It is possible that they export one variety of oil and import a different
variety. The correlation with microfinance development is even stronger and positive and
1 Except in the 2004 Presidential election of President Abdelaziz Bouteflika, all other presidential elections,
including the first term of Bouteflika were supported by the military or were military coup d'Etats (Bouandel,
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significant. The reasoning is inversely similar. If we take net oil exports (indicated in the table
2 below), we again get the same high negative correlation as for gross exports and about the
same high level of significance.
Table 2: Comparative Economic Indicators
Morocco Egypt Tunisia Algeria Libya
Unemployment 15% 10,1% 13,9%
Reducing (25%
to 15%)
Most important economic
Farming (rural) then tourism
Suez Channel
then tourism
Tourism Hydrocarbons Petroleum
Oil county (Net exports /
imports barrels per day)
-168 140,00 64 700,00 -15 340,00 1 830 890,00 1 454 425,00
We can also observe that countries in the first ranks are touristic countries, perhaps because
politically they are more open. This may be an explanation as far as it can contribute in
developing microfinance. Indeed, in these countries we can find craft shops where owners
may need a small amount of money to begin their business. In this line, we can add that in
socialist countries, contrary to countries with influence of liberalism, entrepreneurship is not
encouraged. This can be an explanation of the poor ranks of Algeria and Libya.
Statistics for unemployment in less developed countries are not reliable since disguised
unemployment plays a significant role, especially in rural economics. However, a correlation
test based on table 2 figures using 20% unemployment for Algeria (the mid-point) indicates a
strong negative and significant correlation. However, the causal relationship is more likely
that microfinance reduces unemployment rather than employment encourages microfinance.
Legal and institutional framework. We have compared the financial and institutional
framework of these countries. In Annex 3, we present the comparison of the financial
legislative framework in which MFIs are operating, and further developments will show the
legal ownership of the MFIs, the supervisory bodies, the funding and financing sources and
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the authorized activities of the MFIs. We do not have sufficient information for Libya and we
therefore compare only the other four countries.
The table given in annex 3 provides details of the legislation in the financial sector, including
banks, non-banking financial institutions, development agencies, cooperatives / credit unions
and NGOs. Whereas Morocco and Tunisia have a spefic law for microfinance institutions
(Reille and Lyman 2005), Egyptian and Algerian NGOs are governed by the law on NGOs in
Based on these legislations, the following table 3 summarizes the institutional framework of
financial institutions.
Table 3: Comparative legal governance of financial institutions
Type of institutions
Morocco Egypt Tunisia Algeria
Commercial banks State-owned
Mostly state-owned banks
while NBD is the sole private
sector bank
State owned
Six State-owned banks
represent 90% of banking
Non-Bank Financial
na Na na
State owned, or joint-stock
Post State-owned State-owned State owned State owned corporation
Development agencies SFD is quasi-governmental State owned
Unions State owned
Cooperatives have to form a
banking subsidiary to
provide banking services
Associations. No legal
path for NBFI
Not-for-profit associations,
foundations. No legal path for
NBFI transformation
Theoretical transformation to
corporation is possible but
practically unfeasible
State owned + founding
members. No restriction on
legal status
In all the Maghreb countries, the State seems to play a major part in the banking and postal
systems. This therefore does not allow us to comment on the reasons why Morocco would
fare better than the others in Microfinance.
Although it is expected that the ability of NGO-MFIs to be able to transform to a NBFI
enables them to attract more funds and grow, it is paradoxical that while the first three
countries do not have a legal path for "transformation", Algeria which has the most enabling
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environment in this regard is the worst performer. The MFIs in the four countries are
predominantly NGO-MFIs or state owned.
It should be noted that an overall well-developed financial system may provide the basis for a
better microfinance sector. To this end, Morocco is seen to have a well developed financial
system by regional standards. The table 4 below provides the governance provided by
institutional bodies.
Table 4: Financial Oversight institutions in North African coutnries
Type of institutions
Morocco Egypt Tunisia Algeria
Commercial banks
Credit and Savings National
Committee + Credit
Establishments Committee +
Bank Al-Maghrib
The Central Bank of
Egypt (CBE)
The Central Bank of
Tunisia (BCT), the
Minister of Finance
Bank of Algeria
Non-Bank Financial
na Na na Bank of Algeria
Post State tutorship
Ministry of
Communication end
Computer Technologies
Ministry in charge of
postal services
Ministry in charge of postal services.
SFD for Microfinance
coordination and
Head of Government; Minister
responsible for employment; and
Ministry of Labor and Social Security.
Set up ANSEJ, CNAC and ANGEM
Office of Cooperation
Ministry of Finance +
Federation of Microcredit
Associations + Bank Al-Maghrib
Ministry of Social
Solidarity (MSS)
The Ministry of
Finance, The Ministry
of Social Solidarity
(for ENDA)
Ministry of the Interior
In all the countries studied, as expected, banking oversight is provided by the Central Bank.
For NGOs related to microfinance, oversight is provided by a Ministry. In Morocco and
Tunisia, where there is a specific Microfinance law, oversight is provided by the Ministry of
Finance. In Egypt, Microfinance is treated as a solidarity issue and the Ministry of Social
Solidarity provides oversight on the NGOs. Strangely, in Algeria, associations seem to be
"policed" by the Ministry of Interior (CGAP report 2006). Perhaps, this provides a negative
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Funding/ Financing
MFIs often need exemption of taxes or subsidies in the beginning to stabilize and a sustained
source of financing for subsequent growth. Morocco and Tunisia have a high degree of
subsidy. Morocco also has a high degree of foreign funding. As regards ability to raise
financing on an ongoing basis, Egypt and Tunisia MFIs face hurdles in raising further
commercial loans and other sources of funds.
Table 5: Financial Governance of financial institutions in North Africa
Type of institutions
Morocco Egypt Tunisia Algeria
Commercial banks
None. Private entities may
own shares in state-owned
Government, Donors,
ODA (40% foreign
funding as of 2003).
Heavily subsidized
Mainly USAID, KfW and
UNCDF; Very hard to borrow
commercially as MFIs are not
allowed to pledge their assets,
restricted fund raising ability
Tunisian bank of Solidarity
(TBS) funds NGOs at zero
interest rates. Highly
subsidized, but attracting
other sources of funds is a
No collection of funds is
authorized except through
appeals to the public,
member contributions,
grants, and possible subsidies
Specific Microfinance
institutions: Apex
funding/ non-funding
The FNAM (Fédération
Nationale des
Associations de
MicroCrédit) establishes
ethical codes/ but not
The SFD is in charge of
planning and coordination of
microfinance and does the
liaison with international
donors (EU) for developing
Tunisian bank of Solidarity
(TBS) allocates credits to
the NGOs
SDA / ANGEM provide funds
to commercial banks.
Restrictive anti-money
laundering, legal and tax
requirements in loan
Table 5 suggests that perhaps, some restrictive regulations matter may have dissuaded
MFIs to invest in Algeria (Fournier 2002). Indeed, anti-money laundering laws (AML), and
legal and tax laws relating to loan agreements have been enacted there. However, even if
we haven't yet found information about similar regulation in other countries, we can guess
that antiterrorist financing legislations probably exist in all the countries of the sample, which
might attenuate this conclusion.
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In Tunisia and Algeria, foreign aid seems to be controlled and centralized through Apex
bodies like the Tunisian Bank of Solidarity or the ANGEM, who then redistribute the funds. In
Morocco, at the other extreme, individual MFIs seem to be able to receive funds directly from
international donors. This may therefore suggest that donor aid prefers to reach the final
recipient as directly as possible, eliminating national tentatives to centralize and control,
which are seen as additional layers of bureaucracy, thus reducing the final amount available
to the ultimate beneficiary.
Authorized activities
The authorized activities of the different financial institutions are compared in Table 6. As can
be seen, all the countries seem to allow banks to offer all financial products except
insurance. Therefore, this factor is not a key success factor.
Table 6: Comparative licensing and authorized activities
Type of institutions
Morocco Egypt Tunisia Algeria
Commercial banks
Traditional financial
services including
Deposits, credits and investments.
Some microfinance programs, like
the National Bank for Development
(NBD), provide life insurance to
their clients to cover part of the
amount lent in case of default due
to death
Deposits from the public
but limited , granting of
loans, foreign exchange
All banking transactions,
including taking deposits,
granting loans (including pawn
broking, leasing and signature
loans) and managing means of
Non-Bank Financial
na na na
All services except taking
deposits and managing means
of payment
Post Office
offers deposits,
payments, insurance,
micro-pension, mutual
funds. No loans
National Postal Authority offers
savings. Recently authorised to
start credit and remittances
Savings and postal
checking accounts only.
No microlending
Saving and checking accounts
and cards only. Has
partnerships for loans
SFD provides credit, technical
assistance, skills, and technological
Social and Economic activities
+ granting interest-free loans
and subsidizing bank interest
Economic and social
services. No deposits
Loans only, No deposits or
Cooperatives no longer
allowed to do banking
operations: have to start a
banking subsidairy. Credit
union may collect and raise
funds and grant loans
exclusively to its members
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No deposits. Loans
only. Interest rate caps
exist but not enforced
in practice (maximum
rate in 2008 : 45%)
No deposits or insurance. Loans
only. Interest rate cap exists at 4%
in law
BTS associations: loans
only. No deposits. Interest
rate capped at 5%.
ENDA offers loans + Non-
financial services (training,
marketing assistance,
etc.). No deposits. Interest
rate cap not enforced on
The nonprofit pooling of
knowledge and resources to
promote professional and
social activities. No savings.
Interest rate caps have been
eliminated since 1995
Also, MFIs are not permitted to take deposits in any of these countries. This is normal to
protect small savers. The four countries offer savings and remittances through the post
office. Morocco anecdotally offers the most number of products though its coverage is low at
10% of the adult population. As we have seen earlier, there is a strong negative correlation
between the ranking and the prevalence of postal accounts, indicating perhaps that countries
which provide microfinance facilities through post do not need to have an informal
microfinance sector.
As regards interest rates, all the countries except Algeria have interest rate ceilings, but it is
more in letter than in practice in the case of Morocco. It is perhaps a factor in its ability to
raise funds. However the ceilings do impact the profitability and ability to raise funds in Egypt
and Tunisia.
In Annex 4, we describe some features of the history of microfinance in the four countries.
We have not found information for microfinance for Libya. Perhaps no Microfinance activity
exists in Libya probably because of the high petroleum activity which makes Libya a rich
country. In the absence of information, it is difficult to say. The main limitation is that
historical information for the four countries is rarely available in a uniform manner. Based on
this we can make some broad comparisons, summarized in Table 7.
The first is that microfinance in North Africa is more recent than in countries like Bangladesh,
where it started in the early 1970s. Tunisia was the first North African country to start
microfinance in the 1980s.


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Schroeder Body ShopRead MoreIn family hands since 1967, Schroeder?s Body Shop & RV Repair employs technicians to restore a clean sheen to scuffed-up vehicles and attends to all manner of RV needs. Automotive wash-downs ($130 value) bring customer vehicles to the able hands of Schroeder?s car-wash technicians, who spend one hour to two hours hand-washing and drying the buggy and ensuring it won't gradually turn into a pumpkin. After a thorough chassis sluicing, window blasting, and wheel washing, technicians dress tires to the nines and cover the vehicle in wax to prevent the shine from escaping back into nearby jewelry stores.623 McCarthy StHowell, MI US

subset: commoncrawl


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Marmot Women's Sassy Jacket
The Women's Sassy Jacket by Marmot. Designed with the modern traveler in mind, this jacket is long enough to cover a blazer and versatile enough to wear over practically any outfit. 2-layer MemBrain fabric ensures amazing waterproof/breathable performance that curbs chills. The handy hood zips off for blue-sky days.
DECENT FEATURES of the Marmot Women's Sassy Jacket
- Marmot MemBrain 2 Layer Waterproof/ Breathable Fabric
- 100% Seam Taped
- Zip-Off Hood
- Zippered Hand Pockets
- Zip Cuff Closure
- Interior Zippered Pocket
- Interior Airline Ticket Pocket
- Interior Hood Pocket
- DriClime Lined Collar and Chin Guard
The SPECS of the Marmot Women's Sassy Jacket
- Weight: 1 lb 6.4 oz / 635 g
- MemBrain 2L 82% Nylon
- 18% Polyester Dobby 4.5 oz/yd
- Center Back Length: 30.5"
- Fit: Regular
custy reviews
for the Marmot Women's Sassy Jacket
Average Custy Rating:
(based on 1 reviews)
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The pockets are ample and zippered. The color is great. Waterproof should help in our rainy weather. A zip out interior would be great. Happy with the selection I made.


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Property Details
7 bedrooms, 3 bathrooms, sleeps 14 persons
Casa Britto is an elegant residence situated on a hillside with spectacular views of the Central Valley, a 15 minute drive from the center of San José, the capital city. Escazú has developed from a traditional colonial town to the most fashionable suburb to San José, offering a great selection of shopping, restaurants and night life. One of the Property Managers, Alex or Evelyn will receive you and manage the check in. The Property Managers are available on standby to assist you throughout the rental period. Maria, the Maid, and Pablo, the Gardener, work Monday to Friday. The maximum capacity of Casa Britto is 14 guests. For larger groups we can co-ordinate with Hotel Casa Cristal, www.casacristalcr.com, a top ranked boutique hotel, situated 200 meters from Casa Britto.
Casa Britto is a fully equipped and staffed property rented on a self-catering basis including a daily maids' service during weekdays. Our concierge services range from travel and restaurant tips to full scale vacation planning, to help you realize your dream vacation in Costa Rica. Food and beverage options such as breakfast, grocery shopping, fine wine delivery and in-house private chef are designed to your specifications. The tours and transfers program includes airport transfer, daily minibus rental and a selection of the best Costa Rican tours by leading tour operators. In house massage and other spa treatments are also available for your relaxation. Casa Britto also provides a selection of event services including venue, staff and event planner.
The minimalistic architecture integrates with the natural slope of the landscaped garden surrounding the house, taking full advantage of the spectacular views and natural illumination. Two large terraces provide shade to the façade permitting natural ventilation to keep the house cool during the warmest of days. Floor to ceiling windows allow the greenery from the garden to come inside and enhance the panoramic views. Casa Britto has been furnished with great care combining antique and vintage pieces with top level design to create an exclusive and homely character. The property features a large number of spacious social areas, each with its own atmosphere and style. All these areas are easily accessed from the kitchen, which is the heart of the house. Next to the heated pool there is a large wooden deck, a small rancho and a grill area with a gazebo for shade. The gardens have been designed with a great variety of flowers, plants and trees embracing the property in a cascade of colors and scents attracting butterflies and birds. Winding paths lead to the upper garden passing colorful flowers and fruit trees to a larger rancho with breathtaking views.
Recent Review
Beautiful home with great views
About the Owner
We are a professional couple, Antonio, 49 (Swedish) CEO of Swevet, a distributor of products for veterinarians and animal hospitals and Marta, 41 (Costa Rican), Architect and Master of Real Estate Finance who works for the Swedish National Property Board. We have a five year old son, Eduardo, who goes to an international day care center and speaks English, Spanish and Swedish. We live in Stockholm, Sweden and manage our property in Costa Rica as a vacation rental. Marta's mother Dra Evelyn Williams, who was previously the Deputy Head of the Laboratory of the Largest Hospital in Costa Rica is helping us manage the property.
23 Reviews
5 based on 23 traveler reviews
Beautiful home with great views
Million Dollar View
Amazing getaway
wonderful vacation home
A dream House for the perfect week in Costa Rica
Casa Britto- elegance in the San Jose foothills
The simple elegance, its ambience, and spaciousness, enabled us the enjoyment of each other, and quiet solitary escape when peace and quiet were desired. And trust me … there were times I felt I needed it.
Evelyn … what an asset to our stay. Both Evelyn and Alex enhanced the experience by providing support, direction and additional use of staff, for the banquet dinner we held during our stay. And to the enthusiast that holds dinner parties, it's a rare feat to find a home adequately equipped for small dinner parties. Your home provided the ideal setting, and allowed us to create the perfect impression. The amenities, and your kitchen so adequately suited our needs, negating our need to rent or hire additional dinner settings or equipment.
We had family from all ages of the spectrum from pre-teen, teenagers, young folk in there 20's, parents, aunts, uncles & grandparents. And still each of us were able to find our own piece paradise & escape.
The pool was sensational, and heated to a perfect temperature, with water fountains & well tended lawns and gardens, a perfect enhancement to the picture. A slight flaw was the lack of flow to the waterfall in the pool, but such a minor detail did not detract from the experience. I'd have loved to have experienced its fall whilst sitting beneath it (and still … it was but a mere flaw). But there you go … we're pool builders, this is what we do, so I was always going to notice it.
This luxurious home, is well maintained, lovely and clean. It is well situated and in close proximity to everything. There was something nearby for everyone … the shop-a-holic (a magnificent shopping plaza near by), restaurants, fitness gyms, golf courses, & the Nationa Stadium. We found it easy enough to get about, not knowing the language, with most everything at our finger tips. Beautification played an important role for us ladies, and this too was met with ease.
The experience of staying at your home has left us with a want to both return to Costa Ricca, and particularly to the Casa Britta. Congratulations on such a beautiful home, and on providing us with a most enjoyable experience.
Folks … … it is rare to find luxury and joy at this level. To experience ... is to know! You will not regret the stay.
From the Owner
"CASA BRITTO VISION AND SERVICE OFFERING • Casa Britto aims to offer the most exclusive and personalized vacation rental in San José • Elegant vacation home with unique character, great location and spectacular views • Secure and private property with parking for up to 10 cars inside the gates • Spacious and well-designed inside and outside social areas • Heated pool with waterfall and Jacuzzi in the master bathroom • Landscaped tropical gardens offer colorful backdrop and attract butterflies and birds • Concierge services ranging from travel and restaurant tips to full scale vacation planning • Very close to San José and Escazú city centers - great selection of shopping, restaurants and night life • Most key attractions in Costa Rica are within reach through day trips from Casa Britto"
Activity and Interests
Casa Britto is strategically placed just 20 minutes from Juan Santamaría airport with three main routes of access. Escazú city center with its small town local flavor is just 5 minutes away, the bustling Multiplaza mall is 10 minutes' drive and many smaller malls are closer by. There are numerous excellent restaurants, great shopping, several good gyms and two golf courses within a 3 km radius. San José center is about 15 minutes away. Day trips from Casa Britto include: the Irazú and Poas volcanoes and several botanical gardens within an hour's drive, the Pacific Coast, Puntarenas, Hotel Punta Leona, Mariott Hotel Los Sueños and Guayabo National Park in Cartago within an hour and a half, Limón, Manuel Antonio, El Arenal volcano and Liberia within three hours.
Rental rates
|Rate Period
|Weekend Night
|Monthly *
My Standard Rate
3 night minimum stay
* Approximate monthly rate. Actual rate will depend on the days of the month you stay.
Payment is usually accepted in the quoted currency (USD) unless the currency and the amount is specifically agreed in advance with the owner / advertiser.
Additional information about rental rates
- Refundable damage deposit $1,000.00
- Move out cleaning fee $200.00
50% of the rental fees is required to secure the reservation. Full payment of rental and move out cleaning fees are due one month prior to the start of the rental period. The damage deposit can be paid either when making the balance deposit by bank transfer or in cash upon arrival to the property manager.
Large groups (>14 guests) Co-ordinated with Hotel Casa Cristal 200m from Casa Britto
BASE RENTAL RATES (7 bedroom occupancy)
3-4 nights (Fri, Sat & Sun) $850/night
3-4 nights (week nights) $800/night
5-6 nights $750/night
7 nights $700/night
14 nights $650/night
21 nights $600/night
1 month $500/night
6-7 bedrooms $200
4-5 bedrooms $175
1-3 bedrooms $150
Depending on the no of bedrooms occupied
4-5 bedrooms 10% discount
1-3 bedrooms 20% discount
- 12
- Available
- 12
- Unavailable
- 12
- Today
From the Owner
"CASA BRITTO EXTRA SERVICES Large Groups (>14 Guests) can be coordinated with Casa Cristal (www.casacristalcr.com) 200 meters from Casa Britto Food & Beverage: Breakfast, Grocery Shopping, Wine and Liquor Delivery, Private Chef, Waiter, Bartender Tours & Transfers: Airport Transfer, Minibus with Driver, Tour Guide, Tours with Leading Tour Operators Spa Services: Massage and other Spa Treatments Other Services: Weekend Maid Service, Laundry, Guard Event Services: Venue, Event Staff, Event Planner"
Property Type
- house
- Family
- Romantic
- Alarm System
- Clothes Dryer
- Filtered Water
- Fireplace
- Intercom System
- Internet
- Iron & Board
- Laundry Soap
- Linens Provided
- Living Area
- Living Room
- Parking
- Secure Parking
- Security System
- Study Room
- Telephone
- Toilet Paper
- Towels Provided
- Washing Machine
- Water Cooler
- Water Tank
- Wireless Internet
- 4 Ring Stove
- Coffee Maker
- Cooking Utensils
- Dishes & Utensils
- Dishwasher
- Freezer
- Grill
- Ice Maker
- Kitchen
- Microwave
- Oven
- Pantry Items
- Refrigerator
- Stove
- Toaster
- Child's Highchair
- Dining
- Dining Room
- Books
- Books for Adults
- Books for Kids
- Satellite / Cable
- Stereo
- Television
- Toys
Pool / Spa
- Heated Pool
- Indoor Hot Tub
- Jacuzzi
Onsite Services
- Daily Maid Service
- Staff
- Long-term Renters Welcome
- children welcome
- non smoking only
- pets not allowed
- wheelchair inaccessible
Location Type
- Downtown
- Mountain
- Mountain View
- Town
- Village
- botanical garden
- cinemas
- forests
- library
- playground
- recreation center
- restaurants
- theme parks
- volcano
Leisure Activities
- bird watching
- eco tourism
- gambling casinos
- horseback riding
- outlet shopping
- scenic drives
- walking
Local Services & Businesses
- ATM/bank
- Babysitter
- fitness center
- groceries
- hospital
- medical services
Sports & Adventure Activities
- cycling
- fishing
- golf
- hiking
- mountain biking
- tennis
Floor Area
- 530 m²
- 3 Bathrooms
- Bathroom 1 - toilet, shower, jetted tub, Serves master bedroom and bedroom 7
- Bathroom 2 - toilet, shower, Serves bedrooms 2, 3 and 6
- Bathroom 3 - toilet, shower, Serves bedrooms 4 and 5
- Bathrooms were refurbished some ten years ago, refreshed in 2012 and are in good working order
- 7 Bedrooms, Sleeps 14
- Bedroom 2 - 1 queen
- Bedroom 3 - 1 queen
- Bedroom 4 - 1 queen, 1 child bed, 1 baby crib, Child bed or baby crib added on request
- Bedroom 5 - 2 twin/ single, King size or two single beds
- Bedroom 6 - 2 sleep sofa /futon, Queen size sleep sofa
- Bedroom 7 - 1 baby crib, 1 sleep sofa /futon, Queen size sleep sofa in room next to Master Bedroom
- Bedroom 1 - 1 king, 1 child bed, 1 baby crib, Child bed or baby crib added on request
- The master bedroom is on the second floor and has its own bathroom with shower and jacuzzi which also serves beedroom 7 with queen size sleep sofa ideal for children. Bedrooms 2, 3 and 6 are on the second floor and share a bathroom with shower. Bedrooms 4 and 5 are on the first floor and share a bathroom close to bedroom 5, on the other side of the floor from bedroom 4. Each bedroom sleeps a maximum of two adults. The master bedroom and bedroom 4 has space for a cot and/or an extra bed for children.
- Balcony
- Beach Chairs
- Beach Towels
- Binoculars
- Deck / Patio
- Fully Fenced Property
- Lanai / Gazebo
- Lawn / Garden
- Outdoor Entertainment Area
- Outdoor Grill
- Patio
- Terrace
- Wood Deck
- 12 garden chairs
- Guests provide their own meals
- AREAS - Total house area with balconies 530 m2 - Total area pool, deck, BBQ & rancho 250 m2 - Total area 780 m2 FURNITURE AND EQUIPMENT - 1st floor terrace: Large table seating 14 with chairs and sofas, Side tables for serving, Cushion boxes. - 2nd floor terrace: Two deck chairs with cushions, Small sitting group with table for 5. - Lower garden: Three garden sofas seating 7 - BBQ Area: Two tables seating 12 with chairs, Cushion box, Weber charcoal grill, Spice garden - Pool Area: Six deck chairs with side tables, Two parasols, Benches seating 8, Seating group for 8 with cushions and low table - Rancho Fixed sofa seating 6, Grill, Open Fireplace, Tap water, Possibility to move garden furniture from other areas


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Prior to her performance at the Henry Strater Theatre on Wednesday, March 19, Eilen Jewell will appear live in the KSUT studios at 2 p.m. that same day. Tune in to catch what will surely be a great KSUT/Henry Strater Theatre production later that night! Tickets are available at henrystratertheatre.com and cost $15 in advance and $18 day of show.
©KSUT Public Radio 2015


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Mon-Fri: 7am-1am EST / Sat-Sun: 7am-11pm EST
ApplianceGeneral Electric Range
Level of DifficultyEasy
Time to do repair15 - 30 mins
Age of ApplianceMore than 10 years
NutdriverScrew drivers
1 out of 1 people found this instruction helpful
TURN OFF CIRCUIT BREAKER before doing anything even if oven is not turned on! If I hadn't checked voltage with tester before starting I would have made a shocking discovery.1) unscrewed shield cover to get get at the element screws.2) unscrewed element screws and removed old element - pulling connecting wires out about 3 inches3)attached new element to connecting wires (2 screws)4) pushed new element into place and reattached element connector plate to wall of oven5) reattached shield cover to wall of oven
Help other customers find the most helpful instructions.
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Part Number: PS249466
All brand logos are trademarks of their respective owners.
The PartSelect logo is a Registered Trademark of Atlantic Laundry Centres, Ltd.
Copyright © 1999-2015 , Eldis Group Partnership. All rights reserved.


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By Luis Rueda Diez
Open the Mac App Store to buy and download apps.
ICMPUtil is a tool to monitor multiple Hosts network connectivity using ICMP echo requests.
ICMPUtil helps network troubleshooting by graphically displaying response time of multiple hosts simultaneously.
Monitored hosts can be established using IP Network/range discovery or manually specifying IP Addresses or DNS names. Hosts lists can also be saved or loaded from files.
What's New in Version 1.2.1
- Full support for Retina
- Bug fixes
View in Mac App Store
- $6.99
- Category: Utilities
- Updated: Apr 22, 2015
- Version: 1.2.1
- Size: 2.8 MB
- Language: English
- Seller: Luis Rueda Diez
- © 2015 ermitacode
Compatibility: OS X 10.8 or later, 64-bit processor


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This workout helps strengthen the lower back
Place a barbell on the upper back.
Keep your head up and back straight.
Keep your feet firmly planted on the ground at shoulder width.
Bend forward till the upper back is almost parallel to the floor.
Push your hips backwards.
This facilitates a forward movement.
Return to the starting position.
Inhale down and exhale up.
Locking the knees while standing.
Swinging motion.
Rounding the back.
Pressing the barbell on neck or trapezius.
Extremely heavy weights.
Dropping your head down while bending forward
Targeted muscles
It trains the Erector spinae (lower back), Gluteus maximus (buttocks) and the Hamstrings
Who it helps
It strengthens the lower back; helps weightlifters, powerlifters, runners, gymnasts and wrestlers


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The Feria Para Aprender (The Learning Fair) will take place on Saturday, Aug. 14, from 1 to 5 p.m. at the Borchard Regional Fairgrounds in Robstown. The event is free and open to the public.
Feria Para Aprender is defined as a "mobilization event" with a three-tiered methodology focused year-round on a region's nonprofit educational alignment, parental navigation and economic development.
The program culminates with a Feria where Hispanic and Spanish language communities are shown how to navigate the U.S. education system from cradle to career through a systematic design around pre-K, primary and secondary education, college and careers.
"We're very excited to bring the Feria Para Aprender to our area. We will be the second Texas market to hold this event before others launch across Texas within the year," said Dr. Janet Cunningham, executive director of the Coastal Bend Partners for College & Career Readiness, the area's Texas Higher Education Coordinating Board P-16 Council.
"The Feria is not just about one day but rather a long-term plan to train nonprofits and education groups in a region to scale with the demographic shifts and to better engage the fast-growing Hispanic population in a region."
The day will include the following:
• An educational pathway from pre-K to college
• Five career zones focused on the critical workforce development areas for the region: Education, Healthcare, Energy, Tourism and Construction
• Reading gardens and theatrical story-reading with 1,000 books given away
• Photo visualization area (every child will get a photo in cap and gown or professional attire)
• Mock bilingual education and dual language classrooms
• Hands-on science and technology activities such as robotics and medical demonstrations
• A Commitment Zone where parents and students illustrate their aspirations on a mural
• Back-to-school supplies giveaway


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Commuters get crash course in winter driving | News
Drivers were surprised Tuesday to find several inches of snow had fallen overnight and through the morning, making their commute just a little bit more treacherous.
Out on rural roads, the conditions were miserable, as to be expected, and on the South Hill the road conditions on certain streets, like Freya, was also miserable. In one crash, a driver left the road near the intersection of 17th and Perry and hit a home as he tried to avoid hitting cars that were backed up on the road. Minor damage was done to the home.
Renee Schafer recently moved back to Spokane from California and was busy Tuesday morning dropping her oldest daughter off at preschool and then running errands with her youngest.
"We went down 29th and it was pretty fine, I just drove slower," she said.
Drivers were quick to point out the shortcomings of their fellow drivers on the first morning with snow on the ground this fall.
"Braking sooner and just breaking," Schafer said. "Some people forget to just brake a little earlier or just pull out a little slower, but I notice some people are just cruising on, you know, just driving normally like it is not a big deal."
"Yes the freeways are scary, people forget that it is icy," Debbie Eric Daines said.
"Tailgating would probably be the one thing to watch out for," Steve Helberg said. "You need a lot more space to slow down."
Helberg lives up in the hills above Freeman High School. He noticed a couple of slide-offs but didn't really have any trouble himself, though it might not have everything to do with how he drives as much as what he drives.
"I have a Subaru, so I didn't really notice the snow much," he laughed.
So how miserable were the roads Tuesday? The Washington State Patrol reports its troopers responded to 70 accidents and collisions in our area Tuesday.


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Our scribes go off deep end while assessing NHL's early-season losers
Editor's note: Our weekly "Faceoff" returns this season as ESPN.com NHL writers Scott Burnside (based in Atlanta) and Pierre LeBrun (based in Toronto) duke it out over any given hockey topic. Let the games begin!
This week's topic: Assessing some of the NHL's bottom-feeders at the quarter mark. Can they rebound and reach the postseason?
Scott Burnside: Pierre! C'as vas? I know you're in Montreal for Patrick Roy's big sweater-raising, so I thought I'd trot out my French for you. ...
Read full story
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• The quotes: The NHL doesn't have a Terrell Owens, but there are times when the words do start flying. Here are some memorable quotes and story lines so far. Damien Cox
• The teams: At the quarter mark, we're taking stock of all 30 clubs. Some earned top grades, while others have some serious work to do before the All-Star break. Scott Burnside
• The awards: Before the season's start, Sidney Crosby and Alex Ovechkin were picked by many to win MVP. Will those picks hold up? Right now, we're not so sure. Awards race
• Malkin's run: After a lowly finish to last season, Evgeni Malkin is proving he has no Cup finals hangover. Scott Burnside checks in with the league's best player so far. Story
• The rookie race: It looks nothing like what the preseason pundits predicted. And for the first time since the lockout, it's a wide-open race without a big-name attraction. LeBrun
• The coaches: What to make of all the coaches so far this season? Terry Frei is back again for his bench-boss rankings, looking at where they stand at the quarter mark. Story
MORE COVERAGE• Watch: Watch: Matthew Barnaby on why Crosby is still the best
• Faceoff: Our scribes go off deep end while assessing NHL's early-season losers
• Blog: Your quarterly picks? Boston (surprise) and Dallas (bust)
• Fantasy: Winners, losers and players that are still on the fence
• Rank 'em: Your MVP picks at the quarter mark


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Consider the function:
The average rate of change of a function over an interval is given as:
The average rate of change over the interval is
The average rate of change over the interval is
Chegg is one of the leading providers of homework help for college and high school students. Get homework help and answers to your toughest questions in math, calculus, algebra, physics, chemistry, science, accounting, English and more. Master your homework assignments with our step-by-step solutions to more than 3000 textbooks. If we don't support your textbook, don't worry! You can ask a homework question and get an answer in as little as two hours. With Chegg, homework help is just a few clicks away.


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EPA hears from gas drillers, angry Pa. residents
Advancements in horizontal drilling and hydraulic fracturing technology over the past decade have significantly increased the yield and economic viability of shale gas wells. The combination also is demanding larger amounts of water used in each well. Shale drilling is viewed as so lucrative that international exploration companies are investing billions of dollars in the pursuit.
James Erb, of the American Petroleum Institute, which represents major oil and gas producers, told the EPA that the sound application of fracking causes no significant risk to human health, drinking water sources or the environment.
Lou D'Amico, president of the Pennsylvania Independent Oil & Gas Association, made up of hundreds of businesses, said that no example exists of fracking having polluted ground water and that the EPA study should include a review of complaints lodged to state-level agencies and how they were investigated.
"The controversy is one based on media-generated public hysteria and perception, not science, fact or evidence," he said.
Canonsburg is at the heart of hundreds of Marcellus Shale wells that began to be drilled in earnest in 2008. Some geologists say the vast Marcellus Shale region could become the nation's largest natural gas field.
Already, about 1,500 Marcellus Shale wells have been drilled in Pennsylvania in barely two years, and thousands more are expected, transforming areas of the state. Numerous landowners are getting paid to lease their land for drilling or are receiving royalty checks from producing wells. Meanwhile, many industries such as steel pipe makers and haulers are seeing huge new demand from drilling companies.
But many landowners are coming forward to tell stories about spoiled well water.
The EPA's $1.9 million study is expected to yield preliminary results by the end of 2012, Fred Hauchman, director of the EPA's Office of Science Policy, told attendees at the outset.
Hauchman promised to reach out to experts and study a wide variety of water sources, and he said an advisory board of scientists has told the agency to focus on the impact on water quality and quantity.
The Associated Press


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Quick Chicken Curry
30 Nov 2009
This quick chicken curry is a creamy and savory curry made with cream of coconut to it. Prepared with cubed chicken or turkey, the chicken curry is skillet cooked with chicken bouillon and lemon juice to flavor. With milk for a smooth texture and added garlic for taste, the chicken curry can be served with rice and a fresh salad.
|Cubed cooked chicken/Turkey
|3 Cup (48 tbs)
|1 Cup (16 tbs), chopped
|1 Clove (5 gm), finely chopped
|1⁄4 Cup (4 tbs)
|Unsifted flour
|1⁄4 Cup (4 tbs)
|2 1⁄2 Cup (40 tbs)
|Coconut cream
|3⁄4 Cup (12 tbs)
|Curry powder
|1 Tablespoon
|Chicken instant bouillon/3 chicken flavor bouillon cubes
|1 Tablespoon
|Lemon juice concentrate
|1⁄4 Cup (4 tbs)
|Hot cooked rice
|1 Cup (16 tbs)
In large skillet, cook onion and garlic in margarine until tender; stir in flour.
Gradually add milk; stir until smooth.
Add cream of coconut, curry and bouillon.
Over medium heat, cook and stir until thickened.
Add juice reduce heat and simmer 10 minutes.
Add chicken.
Cook 10 minutes longer.
Rate It
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Quick Chicken Curry Recipe


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angiebilbo's Mom Answers Activity
How can we make bath time less traumatic for our baby?
Most recent answer (05/16/2015):
My baby loves bath time and he starts crying when I take him out from the water. I sing to him and slowly put water on him and also put s...posted by a BabyCenter Member


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David Ferrer
Rafael Nadal wins French Open title for 8th timeComment
It's Nadal's 12th Grand Slam title, which moves him into a tie for third place with Roy Emerson behind Roger Federer's 17 and Pete Sampras' 14.
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ABC7 News at 4 Now Weekdays!ABC7 is giving you MORE news in your afternoons with an extra hour, an hour earlier! Join ABC7's Leon Harris and Alison Starling for what's trending in your community and world. Every weekday afternoon at 4pm right after back to back "Hot Bench" shows at 3pm on ABC7.


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In honor of the opening of the Olympics today, I've picked out three of my favorite images of Nike from the ancient Mediterranean. I've always been amused by the iconography of the Goddess Nike – flying off in a flurry or racing away, arms and legs shown mid-stride.
Classical Greek Nike from the Ancient Agora in Athens
The well-known Nike pediment from Ephesus – Roman 2nd century AD
Very small partial bronze figure of Nike from the Athens Archaeological Museum. Given her hairstyle this is likely Archaic Greek (ca. 580-500 BC)
All photos by Daydream Tourist.
NBC just did a wonderful piece of the Goddess of Victory for the Olympics.
Very cool, I'm sorry I missed it. Hopefully the piece will be online!
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>Sonora / Tuolumne News, Sports, & Weather, Angels Camp, Twain Harte, Jamestown | Union Democrat
By SCOTT PESZNECKER
New homes going up in Copperopolis may be tagged with a one-time fee to help pay for road repairs and other growth-related projects.
County Public Works Director Bob Kawasaki on Monday will ask county supervisors to approve the formation of the Reed's Turnpike Benefit Basin. Anyone wanting to build a home within the basin which spans most of Copperopolis would have to pay a fee estimated at about $1,172.
A public hearing on the fee is set for 10:30 a.m. during the supervisors' meeting.
Kawasaki said the fee would generate about $6.7 million over 20 years.
About $879,000 of the basin fees would pay for the new intersection of Highway 4 and Little John Road, which is now under construction.
Future projects to use basin fees include reconstructing Reed's Turnpike from Little John Road to O'Brynes Ferry Road, widening O'Brynes Ferry Road from Copper Cove Drive to the Tuolumne County line, and improving the intersections on O'Brynes Ferry Road with Reed's Turnpike and Copper Cove Drive.
Those projects are at least five years out maybe 10 years or more Kawasaki said.
The proposed benefit basin first came before county supervisors on Aug. 5.
A Los Angeles law firm representing Oak Canyon Ranch a proposed 3,251-acre housing project in Copperopolis said approval of the benefit assessment district "may affect (Oak Canyon's) rights," in a letter to supervisors dated Aug. 5.
Oak Canyon Ranch is planned to be built on both sides of the new Little John Road extension. Developers of the project have given the right-of-way of the road to the county, Kawasaki said, and have asked for a "credit" toward future basin fees in return.
"Nowhere have we had any agreements at this point that any credits would be given," said Kawasaki, adding that a credit could be worked out at a later date.
view all The Union Democrat print publications »
The Union Democrat is now online in a Replica E-edition form and publishes Tuesday through Saturday. E-Edition or Print Plus subscribers have full access.
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Available on the App Store, this retrospective on Hitman Absolution features an intriguing look at the early ideas and concepts behind the development of the game.
Views: 26,796 | Posted: 09/11/2013
A skilled assassin uses every tool at his disposal to gain an edge in the field. Check out the added benefits waiting for you in the Hitman: Absolution companion app on Android and iOS.
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Deus Ex invades Agent 47's territory as the new DLC pack unlocks a new set of disguises and weapons for Contracts Mode from the fellow Ubisoft franchise.
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See three different ways to enter the Terminus Hotel in Hitman Absolution.
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Get through the courthouse level by going absolutely crazy in Hitman Absolution.
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One way through the courthouse is to dole out some justice in Hitman Absolution.
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Two different ways to get from the ground floor to the top floor in Hitman Absolution.
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When bad guys attack you can stealth your way to victory in Hitman Absolution.
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Even if shooting isn't your thing you can still access some serious firepower in Hitman Absolution.
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A guide through the fog-filled rooftop of the Blackwater building in Hitman Absolution.
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The APhA Election includes elections for the APhA Board of Trustees -- President-elect and two Trustees -- and for the leadership of the APhA Academy of Pharmacy Practice and Management (APhA-APPM) and the APhA Academy of Pharmaceutical Research and Science (APhA-APRS). The APhA Honorary President is also determined during this election.
The 2015 Election voting period will be open March 27 -- May 25, 2015. Each eligible* member will receive an individualized email from Election Services Corporation (ESC) with candidate and ballot information, including a customized ballot access code. Online voting is highly encouraged. If a paper ballot is preferred, contact ESC at email@example.com, as paper ballots will only be sent upon request.
The results of the election for the Board of Trustees and for the leadership of APhA-APPM and APhA-APRS are certified by the Committee of Canvassers, which is appointed by the APhA President.
Slating and Introduction of Candidates
Candidates for the Board of Trustees are slated by the APhA Committee on Nominations in early December and are introduced to Annual Meeting attendees at the First Session of the APhA House of Delegates. Annual Meeting attendees also have the opportunity to interact with these candidates at two "Meet the Candidates" sessions.
The APhA-APPM Committee on Nominations is composed of the APhA-APPM President, who serves as the Chair of the Committee, and the four Immediate Past Presidents of the Academy. During years when there is a President-elect of the Academy, the President-elect will serve as an Ex-officio member of the Committee. The APhA-APRS Committee on Nominations is composed of the APhA-APRS President, who serves as Chair of the Committee, and the three APhA-APRS Section Chairs. The election slates for these two Academies are finalized in December. Annual Meeting attendees have the opportunity to interact with APhA-APPM and APhA-APRS candidates at two "Meet the Candidates" sessions.
All individuals interested in applying to serve on the APhA Board of Trustees are required to review the APhA Conflict of Interest Statement and submit a corresponding Disclosure and Confidentiality Statement to APhA's Legal Counsel.
Other APhA Elections
The leadership of the APhA Academy of Student Pharmacists (APhA-ASP) -- President-elect, Speaker of the House, and Members-at-Large -- are elected at the Final Session of the APhA-ASP House of Delegates, held during the APhA Annual Meeting.
The Speaker-elect of the APhA House of Delegates is elected every even year by the APhA House of Delegates. The Speaker-elect serves until the end of the Annual Meeting following his/her election, at which time he/she is installed as Speaker and serves for two additional years.
*With the exception of those members appointed to serve in the APhA House of Delegates, student pharmacists are not eligible to vote in the APhA Election. Per election guidelines, the list of eligible voters is finalized 30 days prior to the opening of the official voting period. Individuals who join APhA within 30 days of the opening of the official voting period are not eligible to vote in the current election.
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New Movies: 'Non-Stop,' 'Son of God'
Two very different features hit theaters this weekend. The first is an action-thriller with Liam Neeson (seems like all he ever does is action-thrillers these days, doesn't it?). The second tells the story of Jesus Christ. So yeah, pretty different.
New Movies: 'The Monuments Men,' 'The LEGO Movie,' 'Vampire Academy'
After a somewhat slow start to the moviegoing year, this weekend features three big-time pictures hitting theaters, with something for all ages.
Candice Swanepool and Her Bikinis Make Us Want to Go to Brazil Right Away
Candice Swanepool was recently in Brazil, and while she was there she wore a pretty purple bikini. And a pink one, and a multicolored one, and more!
New Movies: 'Devil's Due,' 'Jack Ryan: Shadow Recruit,' 'The Nut Job,' 'Ride Along'
Oscar nominations came out Thursday morning, with films like 'American Hustle' and '12 Years a Slave' leading the way. You can probably bet that none of this weekend's new releases will figure into next year's Oscars, but that doesn't mean there won't be something you like. The four films opening wide on Friday cover a wide range of genres and styles, a little something for everyone.
Two Students Injured in New Mexico Middle School Shooting [UPDATED]
Shots were fired at Berrendo Middle School in Roswell, New Mexico, Tuesday morning.
New Movies: 'Paranormal Activity — The Marked Ones'
The holiday movie season is in full swing already, leaving precious few screens available for anything new. This weekend we only get one big film opening. If you like the previous installments in this franchise, you should probably get a kick out of this one as well.
Ship Carrying 74 People Trapped in Antarctica Set to Be Rescued
On Christmas Eve in Antarctica, a blizzard descended upon the Russian ship MV Akademik Shokalskiy, surrounding it in ice and immobilizing it. Seventy-four people, including tourists, scientists and crew members, are onboard. But help is on the way.
This Eagles Cheerleader Also Does Army Intelligence in Afghanistan
Last month Rachel Washburn returned home from Afghanistan, following her second tour as a first lieutenant in Army intelligence. She was honored Sunday night at halftime of the Bears-Eagles game in Philadelphia, where she was a cheerleader for three years.
10 Great Ideas for Donations to Your Local Food Bank
This time of year, food banks are working extra hard to keep their shelves stocked. If you're in a charitable mood, you might be wondering what exactly these charities are looking for in the way of donations. A recent thread on Reddit explored just that. Numerous commenters with experience either working at or patronizing food banks offered their thoughts on the best items to donate—and it's not just food, either.
Chuck Norris Outdoes Jean Claude Van Damme's Epic Split With Airplanes + More
On the Internet, Chuck Norris always wins.
Florida English Teacher Fired for Bikini Photos Poses in Hustler
The 'Bikini Teacher' who was fired from her job at a South Florida high school last spring will hit newsstands on Christmas Eve in a 14-page spread for Hustler magazine.


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New London - At the Second Congregational Church's first Sunday worship of the month and the second-to-last in its longtime home at 45 Broad St., deacon JoAnn Barrows, breezy in a blue Hawaiian shirt, reassured the parishioners that it would be a short service on this hot day.
The congregation will see its last Sunday worship here next weekend, ending 178 years of calling New London home. The congregation has called this church home since fire destroyed its original building in 1868.
In May, the congregation voted to transfer ownership of the building at Broad and Hempstead streets to the Miracle Temple Church of New London; and last month, to share the space of Crossroads Presbyterian Church in Waterford.
The church's other tenants will stay at least through the end of the lease, which runs through next year, and the Clarke Memorial AME Zion Church will continue to meet there.
The decision to leave came after waning membership and a long financial struggle left the congregation with little choice, and after a failed merger attempt with the First Congregational Church just a few blocks away at State and Union streets.
Over the humming of the little white fans perched in the sills of the thrown-open stained glass windows, the church's choir director and organist Allyn Donath led the couple dozen parishioners scattered among the pews in the first-Sunday tradition - singing "Best wishes, God bless you" to the tune of "Happy Birthday" to those with a July birthday.
Mamie Rutherford stood with three other women to be serenaded.
Rutherford came to New London by way of Georgia and Arkansas 45 years ago when her husband accepted a job as an economics professor at the Coast Guard Academy. They looked at four different area churches before settling here, where all four of their children would be baptized.
"We came here and didn't look anymore," she said. "We said, 'This is it.'"
As worship began Sunday with Psalm 23 - "The Lord is my shepherd, I shall not want" - the brave faces here abounded, including Donath's. Like her mother, she was born and raised in New London, and has been a member of the church for 54 years.
"I look at it as a new opportunity," she said.
Barrows, who led the service with several other deacons in the absence of Rev. Matt McCaffrey, who will return from vacation for his congregation's final worship here, said it was a difficult decision to make, but a necessary one.
"I think we're all sad that we're leaving," she said. "But we're looking forward to a new home with new friends."
Barrows' husband, Winston - who was baptized and went to Sunday school here, and who tells a story of the church kicking out his great-grandfather for failing to pay his pew dues - said one thing he will not miss is the building's many maintenance woes, including what he called "eternal leaks."
"Our faith is our faith wherever we practice it," he said.
Another plus: the new building will have air conditioning.
Wearing an elegant white church hat, Church Council Co-Chairwoman Diantha McMorrow said that the building's history will remain in the care of the Miracle Temple, which will preserve the parishioners' beloved memorial plaques.
McMorrow echoed the Barrows' optimism.
"It's time for a change, and we're pleased about it," she said. "It's a new beginning and it's exciting."
Henry Curtis, a parishioner here for 65 years, remembers when the pews were packed to the brim in the sanctuary that can hold 500. As the Sunday school superintendent, he said he once oversaw a student body of 400. Now, you can count the Sunday school children on two hands.
Curtis came to New London in 1956 after getting out of the Navy. He and his wife joined the church a couple of years later. His three small children went to Sunday school while he and his wife worshiped on Sunday mornings.
He's not happy about the move, he said - it just won't be the same. But there was simply no choice.
"When the inevitable comes," he said, "you have to accept it."
The church's last service in the Broad Street building will be held Sunday at 10 a.m., followed by a car caravan to its new home at Crossroads Presbyterian Church. The first service there will be Sunday, July 21, at 11 a.m.
Area fire departments battle blaze at Thread Mill building in Pawcatuck
East Lyme man accused of stealing more than $40,000 from his neighbors
The Elms Hotel in Niantic demolished to make way for private homes
New London police seek public's help to identify shooting suspects
Affordable housing units slated for former St. Mary Star of the Sea School building in New London
H.S. softball roundup: No. 7 Bears reach the semifinals in ECC tournament
H.S. baseball roundup: No. 1 Montville leads advance in ECC quarters
Obama talks about New London, references Hanafin's and The Bulkeley House
Questions surround Andrew Maynard's return to the state Senate
Finizio orders Police Chief Ackley to return to work Tuesday
State jobs up in April, but southeastern Connecticut loses 500


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See his correspondence tr. by E. Kylie (1966).
Boniface (b. 1244 or 1245 – mortally wounded on battlefield in 1263) was Count of Savoy from 1253 to 1263, succeeding his father Amadeus IV. He never married and thus left no heir. He is not to be confused with his uncle Boniface of Savoy, Archbishop of Canterbury.


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Russia Bans US Use of Its Rocket Engines For Military Launches 522
from the escalating-the-situation-by-not-allowing-escalation dept.
How does one suspend GPS? Russia doesn't control outer space above their country.
ps - Elon Musk must be chuckling.
All HTTP connections to US websites will be redirected to a youtube video of Putin striking manly poses while riding on top of a grizzly bear.
Shouldn't we lie down, put a paper bag over our head or something?
What they told us to do in the event of a nearby nuclear strike was to hold our AK in front of us in outstretched arms.
When asked what that was supposed to accomplish, our "initial military training" (yes, it's a real thing that they teach in schools [themoscowtimes.com]) teacher told us that it is so that melting steel won't drip on the government-issued boots, increasing the chances that they might serve another recruit in defense of the Motherland.
Don't hit the keys so hard, it hurts.


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Photo Galleries
< MyNorthwest
Friday in Photos
Gerrit enjoys the hot weather on his wakeboard at a lake in Duisburg, Germany, Indian Muslims offer prayers at a mosque on the last Friday of the Muslim holy month of Ramadan, Russian paratroopers march along the Red Square.
1 of 17
Russia's Ekaterina Prokovyeva, right, looks to block the throw of Barbara Bujka from Hungary during their women's water polo bronze medal match at the FINA Swimming World Championships in Barcelona, Spain, Friday, Aug. 2, 2013. (AP Photo/Michael Sohn)
Photo by Michael Sohn
Photo by Michael Sohn
1 of 17
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Week in photos
This week in photos from around the world.
John Kerry visits Seattle
U.S. Secretary of State John Kerry greets employees at the Seattle Passport Agency on May 18. The location is one of 29 domestic passport agencies that the State Department runs. Kerry returned to the United States following a three-day trip to China and South Korea.
Witnesses recount devastation after Mount St. Helens eruption
It was a quiet Sunday morning, at 8:32 a.m., 35 years ago when Mount St. Helens blew its top, sending tons of ash into the sky.
Popular Pierce County lake may remain closed through the summer
With a lack of winter snowpack, Lake Tapps in Pierce County may not open this summer and will not open for Memorial Day.
Mayor, chief praise police response to violent May Day protest in Seattle
Seattle's mayor and police chief praised the police officers for the way they handled May Day protests that erupted in violence Friday night.
Baltimore Orioles, Chicago White Sox play to empty stadium
The Chicago White Sox and Baltimore Orioles play a baseball game, Wednesday, April 29, 2015, in Baltimore. The game was played in an empty Oriole Park at Camden Yards amid unrest in Baltimore over the death of Freddie Gray at the hands of police.


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PORTLAND -- A jogger was attacked by an unidentified man in Mt. Tabor Park Sunday afternoon, police said, and the suspect remains on the loose.
The woman was jogging along Reservoir 1 just before 4 p.m. when a man pulled her shorts down and grabbed her from behind, then ran away, according to Portland Police Lt. Robert King.
The victim said she had noticed that the man was following her before the attack. He was described as a Hispanic male in his late 20s, wearing a black hooded sweatshirt, white hat, red shoes and blue jeans.
A lot of people go to parks to get away from everybody and, yeah, you hear there's some guy running around doing all this perverted stuff, it's just not cool, said another park visitor, Wilson Gernert.
Police told KGW they were looking into the possibility that the Mt. Tabor attacker could be linked to two previous attacks - one in Salem last March and another in Sherwood in early May. The same suspect was arrested for both of those cases.
Suspect Mario Arredondo-Sosa is currently out of jail on bail.
Background: Salem man arrested in 2 recent jogger attacks
Arredondo-Sosa does not have a criminal history. When questioned at his home after his release from jail, he told KGW he did not want to talk.
Mt.Tabor a popular attraction for hikers, joggers & cyclists
Mt. Tabor is a popular hub for jogging, hiking, and dog-walking.
Mary Jo Anderson and her dog visit all the time. I haven't had any problems coming up here, she said. I come up here several times a week with my dog and we have a great time. It feels really safe.
She does recommend the buddy system, though. Since I'm here with my dog, I rely on having her around to sort of be my buddy. She's growling now at somebody so even though she's small she's pretty fierce.
Park visitor Rich Brown said everyone should take this assault to heart. It's more than just an individual being violated, it's a security violation for anyone who wants to come here, he said.
If caught, Brown would like the suspect to go to jail. I'd be willing to lock him up, he said.
Anyone with information about the incident or the suspect was encouraged to call Portland Police.


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Sometimes, we forget just how pretty local can be. Top Gear set out to find the best 250 miles of English roads in a huge lap of the country - and ended up doing 2200+ miles. On B-roads. In three days. We were supposed to do it in something economical, and sensible. So we took our 450bhp Audi RS4 Avant. Obviously.
It's the sprit of having a domestic adventure. But we missed too many roads to count. And we want you to tell us the highlights we passed over. A 20-mile blast or a section of three corners that just fit perfectly - tell us what you think!


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Garland, TX, USA < change city >
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Newsflash world: if you're a lady you don't need to pay for sex, ever.
Newsflash world: if you're a lady you don't need to pay for sex, ever.
If your current girlfriend is the spitting image of a dungeon troll complete with mold growing behind her ears and the personality to match, you're in luck.
Today marks the day that I learned I'm officially working in the wrong line of business if I want to spend my days laying around being rich as fuck.
Who could've guessed that an escort would be a big pain in the ass.
No judgement, but that's kind of a lot.
An all new Hook-Up Heroes for your enjoyment.
Well, this is one way to spend your time when you're not "entertaining" clients.
I've never sniffed a law school classroom, obviously, but we're either looking at the strangest interpretation of "nighttime theft" ever, or the worst prosecution team since the O.
If a prostitute works as a prostitute, isn't he or she allowed to note that on LinkedIn.
I come to you live from the airport as I prepare to travel to England for my annual Christmas vacation to see my mother's side of the family.
Back in July and August, it seemed like every other post we did was about the Olympics.
How much does a New York City prostitute charge for sex.


text:
Originally written on Pro Sports Daily | Last updated 11/15/14
Tampa Bay Rays' star lefthander David Price won the American League Cy Young Award on Wednesday, narrowly edging out runner-up and last year's Cy Young winner, Detroit's Justin Verlander, by a razor-thin margin of just four points. Verlander received 14 of 28 first place votes, while Verlander received 13 first place votes. It was one of the closest vote totals ever by members of the Baseball Writers' Association of America. Price, 27, compiled a 20-5 record to tie Jered Weaver for the A.L. lead in both wins and winning percentage. He also led the league with a 2.56 ERA and recorded 205 strikeouts, good for sixth in the league. Much like Verlander was this year, Price was runner-up for the coveted award that honors the best pitcher in the league in 2010.
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Canadian Industry Minister Tony Clement introduced a bill on May 25, the Safeguarding Canadian's Personal Information Act (C-29), which would amend Canada's national privacy legislation, the Personal Information and Electronic Documents Act of 1998 ("PIPEDA"). C-29 would introduce a security breach disclosure (also called "notification" in the United States) requirement in PIPEDA. Canada does not yet have such a law, contrary to the United States where the majority of states have enacted data breach notification statutes.
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Sreen freezes when I use the NVidia driver
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Join Date: Aug 2003
Posts: 3
I recently got an old TNT2 working in one linux box, so I took the (even older) PCI TNT out and put it in my server (just so it's fast enough to watch the odd movie on....).
Now X locks up sporadically on the server..... Quite frustrating really. Thankfully the server keeps operating perfectly (web server, email, samba, internet routing is all fine). But slower since X is sucking up CPU ( I have to ssh in and kill X).
So far from the thread I have seen it might help to fiddle with NVAGP settings (Not applicable to a PCI tnt), or disable AGPGART (something that *may* help me), or turn renderaccel off.
Does anyone have a definitive cause? Does Renderaccell make much difference in speed? (I really need Xv extensions working to make my video watchable).
I'll try these couple of things when I get home, and see what happens...
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Radio Tycoon
50,000 - 100,000 downloadsAdd this app to your lists
+ By Lagardere Active
Facebook account is required to play full Radio Tycoon game.
No Facebook account is required to play DEMO!
Radio Tycoon lets you manage the station, play music, hire new stars and, most importantly, become insanely rich. You play Radio Tycoon in real time, which means that your radio keeps broadcasting and making money even while you are not using the app. The game works via your Facebook account, so feel free to invite your friends to join you, or to compete with you.
- Choose the music you want to play
- Buy new cool equipment.
- Design the interior of your station according to your taste and style.
- Attract the most listeners and make more money from advertising.
- Send your friend a message to remind him to water his cactus
Visit us at http://www.radiotycoongame.com
See coverage map, top radios, listet to your real radio stream at http://apps.facebook.com/radiotycoon
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Achievements feature added. Now you can collect various badges and check your friend's ones. Collected badges are listed in Statistics dialog. For each badge you also get a message, which you may share directly to your Facebook wall.
XHDPI phones with highest resolution are now supported (e.g. Galaxy Nexus).
Small bug fixes.
(35 stars)
Don't listen to Chaz C. Douchebag. He's an idiot.
(35 stars)
I actually enjoy this game and recommend it to anyone who likes to check in on their games every couple of hours. Pros: Not time consuming, Not complicated, Decent music, Cons: Hard to progress, Spelling errors, Creepy avatars, Not enough upgrades I give it a 4.5 out of 5 but I can't give it half a star so 5/5
(35 stars)
It's a bad idea to make people use Facebook to play. What worse it won't let me type to log in to Facebook.
(35 stars)
The music played for ten minutes and now it won't and it won't let me buy anything just tells me to refresh and
(35 stars)
This App is great i can manage my station everywhere, i didn't get any crash in my HTC Desire.
(35 stars)
Such a waste of time
(35 stars)
I wish you make this app freely (no Wi-Fi needed) and make some UPDATES to improve this game


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Tampa Bay is one of the hottest teams in the league with a four game winning streak, and the Falcons squeaked past the woeful Cardinals 23-19 after losing their first game of the year the week before. I think Atlanta is feeling a little shaky and Tampa could close the division gap to two games with a home win.
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