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Retirees Honored for Campus Service
MAY 12, 2006--Nineteen faculty and staff members from the University of Wisconsin-River Falls were honored and given best wishes for their retirement endeavors at the annual All-Campus Service and Retirement Reception May 8.
"These wonderful members of the UW-River Falls community have provided a total of 400 years of exemplary service to our students," said Chancellor Don Betz at the reception. "They represent the spirit that has personified this institution for 132 years. We salute and thank them."
Among the retirees were:
Roger Ballou
Roger Ballou is a familiar name to most students who attended UW-River Falls in the 1990s. Ballou was instrumental in reorganizing the student affairs division to provide more efficient service to students. He was also recognized by a number of internal and external organizations for his efforts in fostering diversity and tolerance on campus. Coming to UW-RF in 1992 after being dean of students at Southwestern University near Austin, Texas, Ballou holds a Ph.D. in counseling from Purdue University and an M.Ed. in counseling from the College of William and Mary. Ballou is pursuing a new career as Adlerian Program Director and a faculty member at the Adler Graduate School in Minneapolis. In addition, he is a licensed family and marriage therapist with his private practice, Family Life Services, in River Falls.
Arlyn Brackemyer
Arlyn Brackemyer of facilities management began working at UW-River Falls in 1982. His training and experience with steamboats on the Great Lakes prepared him well for his many years in the campus heating plant as a power plant operator. In 1967, Brackemyer served with the Military Sea Transportation Service, carrying troops and supplies to Viet Nam. He attended school for a marine engineer license in Toledo, Ohio, and served for 10 years on steamboats shipping steel in the Great Lakes. Among his memorable accomplishments at UW-RF has been keeping vintage turbine steam pumps operating long after their typical "life span." In retirement, Brackemyer plans a motorcycle trip to Alaska.
Myrna Brantmeier
Myrna Brantmeier recalls spending an entire summer on campus learning Volkswriter, a software program for the computer that replaced her IBM Electronic typewriter. Joining UW-River Falls in 1975 as a limited term employee, Brantmeier, who retired from the Outreach and Graduate Students Office as an Office Operations Associate, says that the office technology was one of the biggest changes she noticed during her more than 30 years on campus. She took many classes over the years to keep abreast of technology changes. Brantmeier was a co-initiator and a charter member of the Employee Development Committee Some of her fondest memories include working with West Central Wisconsin Consortium, the Pigeon Lake Field Station and the National Student Exchange as well as in the earliest days of the Wisconsin and Scotland program. She also enjoyed being a host family since 1981 for students in the International Student Host Family Program. A resident of Durand, Brantmeier says as the campus grew larger, the notion of community also changed. "I would like to thank UW-RF for providing me with a great place to work. I met many fine co-workers and students throughout my years on campus."
Perry Clark
Perry Clark notes that the most significant change during his tenure on campus has been the number of women enrolled in the animal and dairy science programs. Coming to campus in 1982, Clark holds a B.S. in broad area agriculture from UW-River Falls, a M.S. and Ph.D. in dairy cattle/animal husbandry from the University of Missouri at Columbia. Prior to UW-RF, he was a State Extension Dairy Specialist in Kentucky. He received many accolades for his tenure at UW-River Falls as a professor of animal science including Outstanding Club Advisor for the UW-RF Dairy Club, the Outstanding Teaching Award in the College of Agriculture, Food and Environmental Sciences, the Distinguished Teaching Award, the University's highest award bestowed upon teaching faculty. He also coached the 1995 winning collegiate dairy club at the World Dairy Expo in Madison. Clark plans to embark on a second career in the animal and dairy science industry upon his "retirement." He his most proud of his "contributions in a small way to the successful careers of hundreds of UW-RF graduates in animal and dairy science."
Rhoda Foley
Rhoda Foley is known for her sense of humor in dealing with students and staff. She arrived on campus in 1973 and worked in many situations, including secretary for the Ames Laboratory School and Elementary Education Department as well as program assistant with the Teacher Education Department and Office of Field Experiences and finally her current position as dean's assistant in the College of Education and Professional Studies. A resident of Beldenville, Foley says that helping students and staff was the most satisfying aspects of her work. "I feel I've been a consistent and stable source of in formation for students and have provided consistent tand stable assistance to faculty staff in an every-changing campus ... all with a touch of humor so as not to get too serious." She is looking forward to retirement days filled with reading, outdoor work, volunteer work and more time with her grandchildren.
Clarke Garry
Clarke Garry's work is nearly synonymous with the Kinnickinnic River. He's known far and wide for his comprehensive inventory of insect and crustacean life on the Kinni, which he's worked on for the past decade. Many students and community volunteers recall the Kinni as a living classroom, thanks to Garry. "I'm pleased to have been able to be active in ongoing research while continuing to maintain and improve course quality ... [which] grew into my own ecological 'million-piece puzzle.'" Garry came to the biology department at UW-RF in 1976 after having earned a B.A. in zoology and M.S. in entomology at the University of Missouri at Columbia, and a Ph.D. in entomology at the University of Wisconsin-Madison. Garry notes that other career highlights include the 1993 and 2004 College of Arts and Sciences Outstanding Faculty Member of the Year. He also received a National Geographic Society grant in collaboration with North Dakota State University to travel to Alaska and Canada in search of paleo-environmentally significant beetles. "I've particularly enjoyed the process of trying to make technical biological concepts understandable." A River Falls resident, Garry will pursue more educational endeavors, including teaching workshops as well as writing about, working with and learning more about the Kinni.
Judith George
Thanks to Judy George, many students avoided getting rained out during commencement; she modified and streamlined the commencement ceremonies for the indoor-only ceremony that is currently used. George was instrumental in supervising the transition to the Degree Audit Reporting System, which was implemented on campus in 1993 and the eSIS system, implemented to streamline student data records. Joining UW-RF in 1978 as assistant registrar, George retired in 2005 as registrar. A resident of River Falls, she holds a B.A. and an elementary education teaching certificate from California State University at Fresno. She had taken numerous courses toward a master's degree at UW-RF. The biggest change she noted during her time on campus is the transition to online records and information sharing.
Paul Hayden
As chair of the communicative disorders department for 15 years and involved in the speech and hearing clinic on campus, Paul Hayden has helped countless children and community members. In addition, he's helped numerous graduate students conduct research, and nearly two dozen have presented at the national conventions of the American Speech, Language and Hearing Association. Joining UW-RF in 1975, Professor Hayden says that he especially "enjoyed seeing students gain confidence and grow professionally." One of the biggest changes he has noted is the increasing influence that outside accreditation organizations have on curriculum within the university. A resident of Ellsworth, Hayden holds a B.A. and M.S. from Moorhead State College, where he graduated Summa Cum Laude, and a Ph.D. from Purdue University. He has also taken mediation training from St. Olaf College, is included in Who's Who in America, is a member of Phi Kappa Phi, and has had many articles published in peer-reviewed journals.
Paul Jantz
Paul Jantz began working on campus in 1981, and spent 17 years working in the heating plant as a power plant operator 3. He then moved to the building maintenance area as a maintenance mechanic 3. Jantz enjoyed the opportunity to work with a wide range of people. He noted the growth and development of facilities as a significant campus change. He also commented on the changes he has seen in students over the years, describing current students as more mature and perhaps more conservative than their predecessors. He's often worked in Kleinpell Fine Arts Building, and appreciates the "amazing talent" of UW-RF art, music and theater students. Jantz is looking forward to spending more time with his family and enjoying hunting and fishing up north.
Larry Kasten
Larry Kasten is well known for leading UW-RF's nationally recognized horse science program, the only one of its kind in a public university in the Upper Midwest. He's probably a "horse whisperer" but he'll never tell. Kasten holds a B.S. from the University of Minnesota and M.S. from Kansas Sate University, both in animal science, and has has taken doctoral courses at Texas A & M University. Since arriving at UW-RF in 1973, he has taught many courses including genetics, equine evaluation and nutrition, horse production, advanced horsemanship and colts in training. As well known in the industry as he is in academia, Kasten is an approved American Quarter Horse Association and National Reining Horse Association judge. In addition, he has been an NRHA futurity finalist three times and placed second twice. Born and raised in Minnesota, Kasten credits his father for his love of horses and teaching. As a faculty member and mentor, he says he has taken great pleasure in witnessing the success of many students.
He plans on continuing his love of training, riding, buying and selling horses at his family-run 70-stall facility in River Falls. He plans to spend winters in Texas with his wife, Dianne.
John Laird
A UW-Eau Claire graduate, John Laird first joined UW-River Falls as a graduate student in 1974. In l978, Laird was appointed assistant director of financial aid and served as director in 1985-86. The majority of Laird's career has been spent in the Chalmer Davee Library, first as a student assistant, as an LTE, and then as a permanent employee. He has been a familiar face to many students at the reserve desk. In reflecting on the University, John commented that students at UW-River Falls are from varied backgrounds --rural areas, small towns, and large cities--reflecting a broad socio-economic range. Laird has helped many students stay in school in his roles as a library resource person and also during his work in financial aid. Over the years the pace and activity level on campus has changed Laird saidL- the number of staff has grown, people are busier, and the activity and involvement of students has increased. In retirement, Lair will continue as president of the Laird Youth Leadership Foundation and also plans to do some consulting.
Stephen Ridley
For the past three decades, Steve Ridley has been integral to the College of Agriculture, Food and Environmental Sciences at UW-River Falls. Since coming to UW-RF in 1974, Ridley has served as professor of food science, chair of the department and assistant and associate dean of the college. As dean of the college, Ridley held that position until retirement in December 2005. A Hudson resident, Ridley holds a Ph.D. from the University of Maine and an honorary FFA degree and is a past chair of the Minnesota Section of the Institute of Food Technologists. In the late 1970s and early 1980s, he was instrumental in the planning and design of the food science addition and has been continually involved with the international Food Microbiology Symposium since its inception on campus more than 25 years ago. He has also been involved in the food microbiology courses from 1974 to 2001. Ridley says some of his fondest memories are participating in international research, service and teaching initiatives such as the East Central European Scholarship Program. "There's more to being a successful teacher than just teaching," says Ridley. "Scholarly activities need to be continuously encouraged, and this is happening." Ridley also says the campus grounds have been beautified since his arrival in 1974. "Enormous credit should go to those in administration and physical plant who make the campus look great."
June Schubert
Employers around the area know her well. June Schubert came to the Placement Office at UW-River Falls in 1982 and has served the Career Services department ever since. She retired as a recruitment coordinator and career advisor and had a long involvement with the annual career fair on campus. A River Falls resident, Schubert holds a B.S. from Skidmore College and an M.F.A. from the Rochester Institute of Technology. She says the use of technology and computers is the biggest change on campus over the years and her most memorable experiences were building relationships with hiring representatives in the region as well as helping to create the biannual Student Teacher Professional Day. She received the 2003 Chancellor's Award of Excellence for Academic Staff, the 2000 President's Award from the Wisconsin Association of Colleges and Employers as well as lifetime membership in WI-ACE. She looks forward to traveling during retirement, having taken a trip to Italy in March.
James Senft
While internationally noted as a Stirling engine expert, a Fulbright scholar, visiting research professor and author, mathematics Professor James Senft is probably remembered by many students for demystifying mathematics. A model of a "teaching scholar," he has been noted by award nominators that he always willing to share his research and knowledge. As the recipient of the 2005 Outstanding Research, Scholarly and Creative Activities Award (division of science and mathematics) from the College of Arts and Sciences, Senft is recognized as a leading expert in the area of the mathematical analysis of heat engines. He's been a visiting research professor at the Argonne National Laboratory, the University of Washington Joint Center for Graduate Study, the University of Rome, the University of Zagreb, and a visiting fellow at the Australian National University Institute of Advanced Study. Senft has had numerous research grants from the NSF and the Lindberg Foundation among others. He is continuously consulted by people from around the world on his work to share his insight and expertise. He has involved many students with his research over the years and served to further their interests in mathematics and research.
Lillian Tan
Generosity and enthusiasm are the hallmarks of music Professor Lillian Tan, who has taught music at UW-River Falls since 1966. A River Falls resident and pianist, Tan holds a B.M. from Gustavus Adolphus College and an M.M from Indiana University. Tan says that her most memorable experiences linked UW-River Falls with the world; in 1981 she was a soloist with the Taipei Century Symphony at Sun Yat Sen Hall. She taught in Taipei in 1981 and in Taichung at the Summer Institute in 1988, She was chair of the music department from 1986 to 1991, and in 2001 she received a teaching award from River Falls High School for her involvement in training music educators. Tan says while teaching and playing piano are her first love, she also enjoyed her campus activities from fundraising to serving on or chairing numerous committees over the years.
David Woodward
Dave Woodward oversaw the progression of the Financial Aid Office on campus from a "paper" operation when he arrived in 1988 to a computerized system integrated with ESIS and Peoplesoft upon his retirement in 2005. He was instrumental in moving the office to an automated stand-alone local area network in 1989-90 to the integrated campus system as a member of the ESIS and Peoplesoft implementation teams in the early 2000s. On campus, he has been a financial aid counselor, associate director, assistant director, acting director and finally as director of financial aid in 1996. "My greatest accomplishment was working with a great staff," says Woodward. "They were the people who were there when I came on board and the people who were hired while I was there." Woodward holds a B.A. from Baldwin Wallace College and a M.A. from the University of Minnesota. He was president of the Wisconsin Association of Student Financial Aid Administrators, having received its Distinguished Service Award in 1998 and a Special Achievement Award in 1996. He is still active in the Midwest Association of Student Financial Aid Administrators, where he developed and continues to teach at a special summer institute to train financial aid professionals in a nine-state region. Currently he is working with Education Finance Partners, where he can set his own schedule and travel around the Upper Midwest at his own pace. A resident of North Hudson, he says his favorite retirement activity is golf, and he is particularly fond of the valley's St. Croix National Golf Course.
Last updated:
Thursday, 22-Apr-2010 16:07:25 Central Daylight Time
University of Wisconsin - River Falls


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Staff Correspondent
BELGAUM: Member of the Karnataka State Third Finance Commission Mahendra S. Kanthi on Tuesday drove to "Gandhi Ghar" in Devagiri village to meet Sadashiva Appasaheb Bhonsle and see how a small section of people have adopted Gandhian values in their lives.
Dr. Kanthi, a professor of international economics and son of the former Chief Minister the late S.R. Kanthi, said that his visit had been meaningful as he had seen in Mr. Bhonsle's life and activities the need for implementing Gandhian value systems in villages to make them self-reliant and healthy. Incidentally, the Union Government observed "Panchayat Diwas" on Tuesday.
Mr. Bhonsle, who had represented the Bagewadi Legislative Assembly constituency from 1946 to 1955 in the erstwhile Bombay State, said that after being witness to development and progress and the subsequent decline in moral values in society in the post-Independence era, his faith in Gandhian values had been strengthened further. He said he was convinced that villages could achieve the goal of Gram Swaraj only through Gandhian values.
He said that the Gandhi Ghar was playing the role of a catalyst for change in this direction. Regular meetings with villagers and training programmes for youth and women were being conducted to motivate them not only to practise Gandhism but also to inspire many others. He said it could be noticed that barring a few stray cases, Devagiri was now free from social evils such as alcoholism, gambling, crime, family disputes, land disputes, and juvenile delinquency.
Swadeshi agriculture
Mr. Bhonsle said he had been practising "swadeshi" agriculture for over 25years, whereby organic manure and purely indigenous liquids were used in the fields, rather than chemicals, fertilizers or pesticides, to fight against pests and diseases in crops.
He said many other farmers too had adopted organic farming practices in and around the village and were reaping a good yield.
Most families too were using toilets and showing a greater awareness of hygiene and environmental issues.

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Prospects and challenges in banking industry.
An overview of banking sector
The commercial banking sector in Pakistan has come of age and is now well equipped in terms of technology, skills and financial resources to play an effective role in financial intermediation. A few words on the financial sector's scope and scale:
Financial assets grew by 70 percent over the past five years and in CY05 reached Rs. 5.1 trillion ($ & 1billion), equivalent to 80 percent of GDP.
The banking sector grew at a faster pace relative to non-bank sectors and accounts for 71 percent of the financial industry assets.
Banks have aggressively increased their lending portfolios in the recent years with their gross advance percent i.e. from Rs 1.63 trillion in FY04 to Rs 2.05 trillion during FY05. The share of consumer financing in the overall credit portfolio stood at Rs. 213.8 billion during CY05: from Rs. 122.4 billion recorded during CY04, depicting a quantum jump of 75 percent.
Total deposits of all commercial banks stood at Rs. 2.83 trillion at he end of CY05 as against Rs. 2.39 trillion during CY04 i.e. an increase of over 18 percent.
Banking sector profit (after tax) of Rs. 63.3 billion in 2005 is at an all time high surpassing the profit of Rs. 34.7 billion in 2004. Resultantly return on assets increased appreciably to 1.9 percent from 1.2 percent in CY2004, which is comfortably above the relevant international benchmark.
Capital adequacy ratio (CAR) improved to 11.3 percent in 2005 from 10.5 percent in 2004 showing strengthening of the system.
Non-performing loans declined by Rs. 22 billion resulting into a decline in NPLs to loans and, net NPLs to net loans ratios to 8 percent and 2.1 percent respectively, indicating receding threat to the financial soundness of the system.
M2 (broad money) has touched the figure of Rs. 3.41 trillion as on June 30, 2006 showing an increase of 14.54 percent over Rs. 2.96 trillion as on June 30, 2005. This represents additional liquidity of almost Rs. 451 billion available with the banks. Out of total M2 growth of Rs.451 billion, over 88 percent or Rs. 399 billion was contributed by the increase in the Net Domestic Assets (NDA) of the banking system. Net Foreign Assets (NFA) on the other hand increased by Rs. 52 billion approximately as the payment for imports kept the money supply from foreign inflow (remittances and privatization proceeds) in check.
Eighty percent of banking has now come under private management and the already competitive environment has become even more intense. Benefiting from the continuing consolidation process in large banks and the cautious stance of foreign banks, medium-sized private banks have managed to expand their operations vigorously. This has largely been due to continuing improvement in service quality and the expanding geographical outreach.
As at the end of CY05 the banking sector provided employment to 85,469 people (CY04: 81,759) and operated a network of 6,858 branches (CY04: 6,584). In other words, as many as 274 additional branches were opened and 3,710 more jobs were created by the banking sector during CY05.
With advancement in the IT infrastructure of banks, electronic banking also witnessed a considerable growth. Number of on-line branches increased to 3,265 during CY05 as compared to 2,897 during CY04. Similarly, 7.94 million AT transactions were carried out at1, 217ATM's during CY05 involving an aggregate sum of Rs. 46.7 billion.
With declining spreads in corporate finance, banks are increasing their focus on other segments, principally the SME sector and consumer finance. While this shift is expected to preserve declining margins, it also exposes the banks to higher levels of risk. The increase in risk appetite would obviously require more stringent risk management systems for preserving asset quality. While there is a general improvement in risk management systems across the banking sector, there is less than adequate sensitivity about ensuring that the risk appetite remains consistent with the capacity of individual banks to manage it.
Regulatory reforms in the banking sector
In this regard, the role of the regulators (SBP) has been critical. In recent years, SBP has demonstrated its commitment and capacity not only at ensuring consolidation and orderly growth in the banking sector, but also introduction of effective risk management policies. Under the active supervision of the SBP, the financial soundness indicators of the financial system have strengthened substantially which include robust profits, strengthening of capital base and declining overhang of non-performing loans. In order to further consolidate these achievements the SBP has rolled out a Strategic Plan 2005-2010. For this purpose the following measures and developments are underway:
Adoption of Basel II: One of the objectives of these reforms and guidelines is to build up internal capacity of the banks for Basel II Accord, which the central bank intends to implement by January 2008. In line with this, the SBP is proposing changes to the applicable regime of minimum capital requirement--the Capital Adequacy Ratio--to include capital change for market risk, which comprises interest rate, equities investment position and foreign exchange risks. The market risk capital requirement would be calculated separately.
Variable Capital Adequacy Ratio (CAR): It will be based on the rating assigned by the Institutional Risk Assessment Framework (IRAF) to each bank depending upon its financial condition. This implies introduction of a more sophisticated risk-based approach.
Strengthening of Capital Base: All banks ate required to gradually raise their minimum capital to Rs 6 billion by 2009. This would help promote consolidation in the banking system through mergers, as weaker banks would find it difficult to survive in the emerging scenario.
Strengthening of Risk Management Framework: The State Bank has also issued detailed risk management guidelines, which elaborate procedures for identifying, measuring, monitoring and managing credit, market, liquidity, country and operational risks. The SBP, being cognizant of the importance of a properly designed and implemented internal control system for an adequate risk management framework, has issued guidelines on internal controls. These guidelines elaborate upon the different elements of an internal control system and provide guidance for its implementation, evaluation and reporting. Responsibilities of key players are also highlighted, particularly with regard to the responsibility of Board of Directors for ensuring efficient internal control system. For an adequate risk management framework has guideline elaborate upon the different elements of an internal control system and provide guidance for its implementations, evaluation and reporting. Responsibilities of key players are also highlighted, particularly with regard to the responsibility of Board of Directors for ensuring efficient internal control system. Banks are required to submit half-yearly progress reports regarding the status of compliance with the guidelines.
Stress Testing: Financial system is normally exposed to different types of risks like credit, market, interest rate risks. Stress testing is one of the most widely used techniques to determine the likely situations of financial distress. SBP has addressed this issue and has done stress testing, taking various scenarios in its study. The analysis suggests that the banking system could withstand shocks resulting from the losses accumulated without deteriorating the capital of the banks.
Transparency and Disclosure Requirements: These have been made further stringent to keep the stakeholders fully abreast with the financial profile and developing risks within the financial system. The risk management systems within banks have improved significantly. The greater disclosure requirements and strengthened corporate governance structure have helped promote transparency, which is expected to prevent banks from committing serious mistakes. Moreover, the latest amendments to the Prudential Regulations with regard to the classification and provisioning of NPLs have allowed more transparent reporting of infected portfolios by the banking sector.
Revamping of Credit Information Bureau (CIB): The CIB has gone online and minimum limit of Rs. 0.5 million for data reporting has been removed. This will help the banks to examine the credit profile of those customers, which remained outside the ambit of CIB. This will help capture the risks originating in the consumer and SMEs sectors, which have absorbed significant funds from banks in recent times.
Amendments in Prudential Regulations: The prudential regulations were mainly aimed at corporate and business financing. A new set of regulations has now been developed which caters to the specific needs of corporate, consumer and SME financing. During the year, prudential regulations for agricultural financing have also been developed, besides bringing some refinements in the already issued prudential guidelines.
Challenges Despite the above-mentioned qualitative changes in the operations of the banking system, the sector is still faced with a number of key issues and challenges. Some of them are:
(i) Pakistan's financial sector is still not diversified enough, as a major portion of the economy is still not monetized.
(ii) Anumber of players in the market are undercapitalized and may face serious difficulties in timely compliance of SBPs recent requirement of increase in paid-up capital to Rs. 6 billion by December 31, 2009 failing which the bank will be converted into a non-scheduled bank with restricted activities or merged with other bank.
(iii) Despite all the fanfare and media' blitz, agriculture, SME's and housing sectors are still underserved and have limited access to credit.
(iv) The retail-banking model, which is in fashion these days, demands a comprehensive branch net work. Apart from raising depos its at lower costs, the key issue in the future banking model would be the distribution of retail product
(v) Liquidity hang over is still persisting compounded with scarcity of lucrative money deployment opportunities.
(vi) Additionally, the management of potential investment/portfolio losses is also likely to be a key factor affecting the performance of the banking sector in the short to medium term.
(vi) Low credit penetration ratios.
(vii)Inadequate human resources.
Prospects Going forward, performance prospects of individual banks would continue to remain a function of a number of bank-specific variables. The as set size of the bank, its geographical outreach, the financial standing and credibility of bank sponsors, the quality of human resource and technological base are all key elements, which would impact on performance prospects.
The relatively smaller banks, which might not have succeeded in developing specific market niches, would continue to fight for survival and might well become candidates for acquisition by or merger with larger banks. The medium size banks have already come out successfully in the fast evolving competitive environment, and seem well placed for sustaining their performance and asset quality. However, they continue to face the threat of greater competition from the privatized large public sector banks like HBL and UBL. There is, thus an increasing awareness that in order to maintain their historic performance, they have to remain committed to continuous improvement in service quality as well as product innovation. These factors would inevitably lead to greater efficiency in financial intermediation and provide a wider range of choice to banking customers.
As recently stated by the SBP Governor at a speech delivered at the Adam Smith Institute at Thun, Switzerland, on June 27, 2006, Pakistan is now embarking on the next phase of financial sector reforms which would focus on:
* Further consolidation and restructuring of the banking sect
* Strengthened risk management;
* Developing capacities to cater for unmet requirements of special segments of the economy and diverse needs;
* Diversification of the financial sector by further development of the securities and debt markets, which while fairly vibrant, need to play a more significant role in meeting the country's financing requirements; and
* Promoting financial product in novatio
Although banking sector has witnessed tremendous growth in profitability in the recent years owing to growth in advances, increasing net interest income and reduced tax rates, among others, yet banks have to customize, their operations to remain competitive, especially in the light of growth expected in the mutual funds industry. There is increased competition for market share especially, in the wake of Government's recent decision to allow the Directorate of National Savings to also accept corporate deposits and SBPs latest increase in the cumulative SLR & CRR requirements from 20 percent to 25 percent.
Moreover, expanding business activities of the private banks, reentry of foreign banks, strict regulatory and disclosure requirements, increased minimum paid up capital requirements, implementation of Basel II, modernization of core banking systems, increased automation and up gradation of IT and development of new products shall have a significant impact on banks resources. Only efficient banks with competent management, a reasonably large network and with agriculture and consumer/SME focus should excel in the future banking industry scene.
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A movie starring Tobey Maguire and Kirsten Dunst directed by Sam Raimi< read all 14 reviews
Sam Rami needs to be congratulated on making a film that totally outdoes its predecessor. Tobey McGuire is great and is one of the most likeable characters (re: Peter Parker) that I have seen in a film in a long time. Alfred Molina is great as one of the more charismatic villains that have ever been portrayed on the screen. I found myself cheering several times throughout the movie.
Peter Parker can't seem to hold a job (he's killing a pizza business that promises on-time delivery or it's free), his grades are stumbling (his extra-curricular activities as Spiderman keep him from being prepared for Dr. Connors class) and he keeps disappointing the woman he loves (he can't even show up to her Broadway performance). He lives in a squalid one-room apartment and the landlord is constantly screaming at him for his rent while the landlord's daughter keeps staring longingly at him. Everything comes to a head when Mary Jane announces that she is getting married to J. Jonah Jameson's son.
Peter starts blaming Spiderman for all his woes and as a result his powers seem to slowly ebb from him. He makes a decision to go against the promise he made to his dead Uncle Ben and decides to toss out his Spiderman suit and try to lead a normal life.
He seems to be doing better in school and during a very hilarious sequence he struts around to the tune of Raindrops Keep Falling on My Head (reminiscent of a famous old movie).
Meanwhile, Dr. Octavius has been turned into a supervillain (thanks to some computer controlled mechanical arms that have attached themselves to him and taken over his mind because of an accident during a scientific experiment). Octavius, now Dr. Octopus, is on a crime wave to get the materials he needs to crate a nuclear reactor that could wipe out the city.
A heart-to-heart talk with Aunt May and an attack by Dr. Octopus on the woman he loves, makes Peter realize that he must honor his motto (with great power, comes great responsibility) and become Spiderman once more.
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Disableing esa by installing new shocks, preloadadjuster?
Here is the thing.
ive a esa bike, and now im about to order hyperpro shocks without esa.
Do i need a preload adjuster with that? a search here on the forum got me to a thread saying you can swap your oem bmw preloader to the hyperpro shock, but i dont have a proloader on my esa shocks (i think)
Does anyone know what the lenght adjuster is for and if i need it? that is also an option.
thank you.
I think just about everyone thinks about replacing ESA with standard shocks when it is time to shell out the big bucks for a new set. IMO, you have to have a way to adjust preload. Maybe you are referring to a remote pre-load adjuster??? I know HyperPro shocks have the remotes as an option on most of their shocks and I would sure have it, at least on the rear. This is more guesswork than actual facts. Personally I would go for HyperPro's or Wilbers rebuildable ESA replacements. I love to adjust my ESA on the fly and at least with the Wilbers you don't have to sell the house to buy them.
I just want to be able to adjust it, how is not a factor.
i dont want to end up with a shock that i cant adjust:lol3
I think you are right.
The ESA factory shocks are replacable with Hyperpro ESA shocks, which they just move the BMW adjusters over to the Hyperpro shocks.
Alternatively, there are replacement shocks without a remote preload adjuster. These have preload adjustability, but it is awkward to get at and requires a spanner wrench.
A Remote preload adjustable shock will have a knob that is connected to the shock by a length of hose to adjust the preload much more easily.
See the preload adjuster on the frame?
Jim :brow
(Like Jim said...)
You will be able to adjust your new shocks pre-load as it comes from the factory - that has been available on most shocks since the 50's.
What you may have to do it stop the bike and get out a pre-load ajuster wrench to do it and work around under the bike - OR as noted by TH - if you have a hydraulic (remote) pre-load adjuster you can do it while sitting on the bike or not by simply turning a knob - very easy.
I looked at Hyperpros site and cannot find a hydraulic preload adjuster on any of there products - they do have a simple and light adjuster ring that you insert a small rod - to spin the ring and adjust the preload.
so you are set - unless you want it fancy with remote and knob... your call but your shock will be able to be adjusted unless it came from a pre-war bike... ;-)
the prealoader, is that something that will make the shock break more easaly?
its only for the rear shock? seems weird that you dont have to adjust the front:norton
im just trying to make a good assesment of what to buy, they aint come cheap so i better get it right the first time.
I like esa, but the motors wear out after some time, and if you want to replace them, you cant just buy the motor unit to go with aftermarcket schoks, you have to buy a whole new module.
I want a solution that makes the suspention predictibel in costs for the future.
anyways: i could not resist myself and bought a set for 1700 euro, progressive springs, purple color, preset for 350kg. :D
The preloader "can" make it less reliable, but I have almost never heard of one failing. Hell, anything can fail.
Mostly you set the front shock where you need it and never again, no need for a remote preload adjuster on the front. Even if you did want to adjust it, it is easier than the rear because of easy access.
Aftermarket shocks are much more rebuildable, and cheaper to rebuild, than factory shocks.
Jim :brow
Cant wait for them to be delivered.
May not apply because I don't know the 1200 but on an 1150GS, if you don't have the remote preload adjuster you have to remove the shock to adjust preload. I'm a poor SOB but I scraped together the extra $ for the remote adjuster when I ordered my Hyperpro rear. I don't fiddle with it much now but I sure did when I first installed it and was getting it dialed in.
It's a lovely bit of kit BTW.
I have the Hyperpro rear suspension with the remote hydraulic preload adjuster.
However, even when completely backed off its still too stiff.
Can I adjust the rings/nuts at the top of the spring on this model shock?
Ive heard that with shocks that have remote hydraulic preloaders, you cannot make that adjustment.
The real issue is that I probably have too stiff of a spring.
It may be that your compression damping is set to high, this will make the suspension feel stiff. To see if you have the right spring rate you need to check the sag. The shock probably came with instructions on how to check sag.
That being said..do you KNOW the spring rate is to high? MOST likely, you have too little rebound damping...this makes suspension feel harsh and hard..Increase your rebound damping all the way..see if it feels better..(If you have something that says Fast/Slow..you want slow..if it says Hard/Soft..go for soft..it should almost get bouncy..go back towards firm..until the bounce just goes away..
Compression damping (Low Speed) has VERY LITTLE to do with ride..it makes resistance to bottoming..(High speed compression damping CAN effect ride as well as ride height)
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text: The K125146 Red Tinsel Fir Tree is a faux tree featuring red tinsel construction. It's pre-lit with 250 red, incandescent bulbs and has 525 tips, perfect to brighten up the holiday season. It comes with a metal stand included and a convenient foot pedal switch to turn the lights on and off.


text:
Grey Cat
Grey Tie
Maybe it will be fifty shades of grey on Halloween or maybe even fifty-one. We can't list all the ways you can use a neck tie but we can say this is the perfect addition to many costumes whether you wear it or use it in some other fashion.
Grey Hooves
The details make the difference in any costume. Make your costume completely convincing when you add these adult's gray Hooves; they are designed to be worn over shoes.
Grey Pirate Beard
You'll have everyone saying Shiver me timbers! The Grey Pirate Beard will complete your pirate look, this grey beard and mustache will take you from being just another pirate to captain of the ship.
Grey Hair Extension
You can't be a wicked old witch without a Grey Hair Extension! If you're going for the warty witch look, a flash of grey won't hurt your evilly ugly appearance!
Grey Elephant Toddler Costume
Your toddler will be a gentle giant in the Grey Elephant Toddler Costume. This grey, spotted jumpsuit and hood features flappy elephant ears, a winding trunk, two white tusks and a tail with black tasseled hairs.
Grey Wolf Helmet
Whether you want to be a big bad wolf or a lovable direwolf from Game of Thrones the Grey Wolf Helmet will fit all your wolfish desires. This helmet has realistic fangs, startling blue eyes and a furry texture for the ears and head.
Grey Wizard Hat
Every great wizard needs a great hat. The Grey Wizard Hat will take you on many adventure, no matter how big or small. Features a plush grey hat.
Skull Coachman Grey Hat
Throw on this Skull Coachman Grey Hat while giving out candy, taking the kids trick or treating, or at a Halloween party for some spooky fun. This grey suede hat has the face of a skull embedded in the front and has the shape of a traditional top hat.
Grey Monster Hands
Make sure you grip on Halloween is solid when you wear the Grey Monster Hands. This spooky pair of grey monster gloves feature nasty black fingernails.
Grey Mouse Wig
Feeling a bit mousey? Create or complete your costume using the Grey Mouse Wig. This grey, synthetic fiber wig features tiny mouse ears and super wavy locks.
Redneck Beard Grey
Complete your hill billy or outdoorsman costume when you decide to add this Redneck Beard Grey to your outfit. Grey beard fits comfortably on face and makes for one great accessory!
Grey Lycan Adult Costume
Take a bite out of Halloween when you wear the amazing and realistic Grey Lycan Adult Costume. This grey werewolf costume comes complete with an awesome animotion mask, plaid shirt with fur arms and chest, and a pair of character hands.
Fur Trimmed Grey Cape
Keep yourself concealed from the elements, or maybe from something more sinister in the Fur Trimmed Grey Cape. Features a floor length grey cape with a fur lined hood and front opening.
Schoolgirl Grey Skirt
Wear this Schoolgirl Grey Skirt to complete your sexy student look. Gray, red, black and white plaid pleated skirt goes well with a white button down and tie so you'll look like a sexy rebel skater girl.
Grey Eye Mask
Sleep tight or just pretend to be asleep - you won't want to sleep a wink on Halloween anyway. Create or complete your costume with this authentic looking gray eye mask.
Gramma Grey Adult Wig
Get it on Granny style in this gorgeous gray wig! This classic character wig features shiny gray locks tied back tightly in a bun, sure to add ages onto any old lady costume. Perfect for wizened old women's costumes and funny old men's costumes alike!
Grey Killer Wolf Gloves
The details make the difference between a good costume and a great one. Make yours complete with these incredibly realistic gray Killer Wolf gloves - they are lightweight and designed for dexterity yet feature frightful latex claws and plush faux fur.
Dead Guy Grey Makeup
Want to make dead look good? You need the "dead guy" makeup kit.
Grey Mice10 Pack
Eeek! I hates mices to pieces! Creep out friends and family with this realistic gray mouse.
Cat Tight
These creepy Cat Tights will scare people almost as much as dressing up as a scary vampire or villain. Features half black, half white tights with cat face on the knee caps.
Zombie Cat
When the dead walk the Earth, not even your pets are safe! This Zombie Cat decoration is a prime example of what zombies can do to your favorite feline friend. Beware!
School Girl Grey Plaid Tie
This School Girl Grey Plaid Tie will totally tie your sexy outfit together! Just add a button down shirt, matching skirt and maybe even a pair of glasses to complete your school girl costume!
Grey Evil Ninja Child Costume
Stay hidden on Halloween and attack at precisely the right moment when you wear this Grey Evil Ninja Child Costume. Jumpsuit features an attached foam padded tunic and attached apron, complete with a hood and detachable mouth piece.
Grey Wolf Mask with Hands
Who's afraid of the big, bad wolf? Pretty much everyone! Scare them off in this Gray Wolf mask with matching wolf hands - act like a werewolf or go with Little Red Riding Hood - either way this is a fun and easy costume!


text:
Budapest Walking Tour
Published by Travel On The Dollar at Smashwords
Copyrights © 2012, TravelOnTheDollar.com
All rights Reserved.
This is copyrighted material and should not be distributed without the owner's consent or permission. Information is available for reading and entertainment purpose and the travel plans, bookings & itineraries should be at the sole discretion of the user. The author or website does not guarantee any correct information in this book.
Tour overview:
Points of Interest:
Hungarian State Opera House, Drechsler House, New Theatre, Café Művész, Budapest Operetta, Thália, Fashion House, House of Terror, Franz Liszt Memorial Museum, Budapest Puppet Theatre, Academy of Fine Arts, Lukács café, Kodály körönd, Ferenc Hopp Museum of East Asian Art, György Ráth Museum, Heroes' Square, Millenary Monument, Museum of Fine Arts, Palace of Art


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Description: A building with an attached clock tower stands on the campus of the Stout Institute (now the University of Wisconsin-Stout). Trees and shrubbery stand on...
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Description: Keshena Indian School, an Indian Government School building.
Description: View from bottom of snowy hill looking up towards the Wisconsin & Northern Railroad engine #3, which was purchased from the Grand Rapids & Indiana Railway.
Date: 1974
Description: This map is a 9 part map detailing various parts of Menominee County, Wisconsin. Page 1 of the map shows federal aid control in the county and was used by...
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Description: Elevated winter scene of snow-covered road through Keshena, Wisconsin. There are horse-drawn vehicles and pedestrians, and a church is in the background.
Date: 1947
Description: Shows lot and block numbers, 28 points of interest in the upper left that correspond to numbers on the map, and landownership with acreages. "Erickson Brot...
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Date: 1919-05-21
Description: Elevated view of street entertainment, with crowds, dancing and band concert to welcome home Wisconsin National Guard, 3d Regiment, Company H, after servic...
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Description: U.S. Department of the Indian agency building on the Menominee Indian Reservation.
Date: 1900 ca.
Description: A woman stands near the bank of the Red Cedar River in Riverside Park.
Date: 1905
Description: Aerial view of rooftops during the flood.
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Date: 1935-08
Description: William Cowan, the white pine blister rust control foreman on the Menominee Reservation, with his two assistants, Joseph Dodge and Leo Waukechom (right).
Date: 1898
Description: Interior of the Knapp, Stout & Co. lumber mill office with posed members of the staff. On the desk in the center of the room is a device with an earpiece h...
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text:
Hello everyone here! I hope you be ok. I have a question. what is the difference between wordpress and HTML templates because i'm seeing that wordpress themes take prices starting from 25$ and for HTML templates they starting from 10$. Is there difference in style design between them ? I don't know.
And i'm seeing that there is wordpress versions, what are these version because i have no any background about these classes. Is there differences between these versions in design style ? I don't know !
I hope you learn me all this informations.
And last, Thanks for your patience and respect. Thanks, Morad.
wordpress is different from html because wordpress is a blogging platform. Read about it here http://wordpress.org/
HTML is just basic code that is static. You can use google to find out all your answers.
WordPress template are designed to work with WordPress only, which is a blogging platform that can be used as a content management system as well.
HTML and Wordpress templates are priced differently because WordPress templates are more complex and take more time to create.
While you can use a HTML template straight from the box so to say, to use a WordPress template you need to install WordPress first.
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text:
Drew & Derwin
from Skyzoo (Ft. Raheem DeVaughn) – Drew & Derwin Lyrics on Genius
Derwin Davis is a character from the BET TV series "The Game", a rookie professional Wide Receiver who begins to gain fame and is asked to work with R&B singer and actress Drew Sidora. While working together, Derwin & Drew notice an attraction to each other and end up having a one night stand.
To help improve the quality of the lyrics, visit Skyzoo (Ft. Raheem DeVaughn) – Drew & Derwin Lyrics and leave a suggestion at the bottom of the page


text:
Prehistoric Bones Unearthed in Everglades
CLEWISTON, Fla. (AP) – Prehistoric bones believed to belong to ancient sloths have been discovered by construction crews working on the massive Everglades restoration project.
The bones were found April 1 by workers with the South Florida Water Management District constructing a 2,000-acre storm water treatment area about 50 miles northwest of Miami, district spokesman Roberto Fabricio said Monday.
The plant-eating animals the size of elephants became extinct at least 4,000 years ago.
Scientists from the Florida Museum of Natural History in Gainesville planned to begin excavating the site and collecting the bones on Tuesday.
"It's always possible that something new or a better representation of something rare will show up in these sites," said Russell McCarty, a senior museum paleontologist. "We're always interested to see."
Just one piece of a jaw bone measures 2 feet long, Fabricio said.
"We take extreme care to protect Indian artifacts and archaeological finds," he said, noting that the discovery "adds a little more mystique to the Everglades."
The Everglades project is attempting to restore natural water flows to the environmentally sensitive wetlands.


text: Mobile Apple's surprising new intern: iPhone hacker Comex August 26, 2011 7:18 AM Devindra Hardawar 0 Enterprise companies tackle mobile marketing automation slightly differently—and that's why they're on top. Register today for this free VB Insight webinar with AEG's VP of Social and Marketing on May 28th. The notorious iPhone jailbreak hacker Comex has been snapped up by Apple as an intern, he announced on his Twitter account last night. Comex, who was outed by Forbes as Nicholas Allegra, has gained a reputation as someone who can find obscure security holes in Apple's iOS software. Last summer, he and his team made jailbreaking the iPhone as simple as visiting the website Jailbreak.me. "It's been really, really fun, but it's also been a while and I've been getting bored… So, the week after next I will be starting an internship with Apple," Comex wrote on Twitter. According to the Forbes report, Allegra has been looking for an internship since leaving Brown University last year. It's a smart move by Apple to offer him a job, albeit a lowly internship, since it means he'll be using his talents to make iOS more secure. And by working for Apple, Allegra likely won't continue his hacking work. In June, Apple also hired jailbreak app developer Peter Hajas, developer of MobileNotifier, which fixed the terrible notification system in iOS. Hiring hackers isn't new in the tech world, but it's a fairly recent development for Apple, which has usually tried to squash hackers by more traditional means. Via MacRumors


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Thursday 27 August 2009
A village savings and loans association meeting in Katine. Photograph: Martin Godwin
In the wake of the global financial crisis, the priority for all sub-Saharan African countries must be to contain the negative impact of the crisis on economic growth and poverty – and that means access to financial services for the poorest households, argues Lauren Hendricks
Tuesday 25 August 2009
Katine drug store. Photograph: Dan Chung
During the last fortnight we published two pieces from the Guardian's health editor on drug supply in Katine and Africa – but we did not allow readers to leave comments. Here's your chance
Women and children at the Katine village health centre. Photograph: Dan Chung
Public services, especially for health, are being hit as the economic crisis takes hold in Uganda, says Milly Katana
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text:
Results 1 to 30 of 37
Thread: Whimsnicole's Sketchbook
June 12th, 2012 #1
Whimsnicole's Sketchbook
Hey guys. After a couple years of lurking around the site, I finally decided to make myself a sketchbook. My name's Nicole, I'm 17, I'm going to an art school next year, and I'm looking for some advice to improve. So yes, without further ado...art!
EDIT: Oh, well I'm 18 now, and in art school, yay. Still looking to improve and hopefully become an illustrator one day. c:
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Last edited by Whimsnicole; August 23rd, 2013 at 09:33 PM.
Hide this ad by registering as a memberJune 12th, 2012 #2
Here are some studies that I've been doing in the past week to kick things off. c:
Er, yea, I couldn't get my scanner working today so these are just really bad pictures.
June 13th, 2012 #3
Here are some studies that I did yesterday and this morning. c:
It seems like Loomis studies are popular here, haha.
I'm completely confused on how to draw environments properly ugh.
June 14th, 2012 #4
Wow, I'm actually updating daily. Given how lazy I am, this is a miracle haha.
I'm just gonna quickly upload some studies from yesterday/this morning before I leave for my graduation ceremony. Note that the Leyendecker piece...well that was the most frustrating thing to draw, and I still couldn't get the features quite right.
Tips and advice would be greatly appreciated. c:
June 14th, 2012 #5
Your last portrait painting looks amazing! keep going
June 14th, 2012 #6Registered User
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Yeah Loomis is tha shit. You should also have a look at Hogarth and Bridgeman as well.
Anyway, good stuff! Keep it up
June 16th, 2012 #7
that figure study is like whoa. Awesome stuff, keep at it! great colours on the portrait, maybe try going photorealistic?
June 22nd, 2012 #8
Thanks for your comments. c: I'll keep it all in mind.
Some perspective things for Dile_'s study group/mentor thing and some figures.
I'm pretty sure I'm getting worse at gestures/figures.
December 17th, 2012 #9
Oh boy, it's been a while. I was super busy with my school assignments, but I've finally finished my first semester at art school! Now that it's winter break, I thought I'd use this free time to draw some more and spend time here. c:
Here're some loomis studies I did today and a wip of some personal art, yay. Oh, and it was my birthday yesterday so I'm 18 now ahhhh where did the time go.
December 18th, 2012 #10
I'm gonna try to update daily during winterbreak. c:
Some gestures and a study from Skyfall. Ben Whishaw~
December 20th, 2012 #11
Submission for the day.
Decided to add some quick landscape/color studies to the mix. And a quick doodle/wip.
December 25th, 2012 #12
A few measly sketches. A lil busy with the holidays to draw anything substantial.
Ugh I really need someone to push me to update/study more.
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December 26th, 2012 #13Registered User
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cmon u gotta make it to pixar with me xD
December 26th, 2012 #14
Your last color/landscape study looked good. I could almost feel the atmosphere in the second study with the lake. Great work on the Skyfall portrait study as well. Keep posting!
December 26th, 2012 #15
December 26th, 2012 #16
I really like the environments and pencil drawings. Study hard !
Free for commissioned work
December 26th, 2012 #17
Just entering Art school huh? watch out from spending too much time with the wannabe artist who smoke way too much weed and don't do anything at all haha. Your line quality is really sharp and smooth which is.. really awesome. Your figures are looking good and your portraits are as well for the most part, but I would recommend you flipping the canvas more often. Your colors are looking great! Something that I know I have to work at ;] Keep working hard! and keep updating
My Blog
Contact me at firstname.lastname@example.com
December 26th, 2012 #18
Eep, just some arms/legs studies and a random doodle to test out a new pen.
Omg comments yay.
@roogoo Haha, thanks for the push. Heh, that's the plan!
@Woolichooks Thank youu~
@Arteast Thanks! I don't know about being confident, but sure, we gotta push each other to be better. Oh, I'm a freshman at RISD. c:
@MeteorCat Thanks~ Will do.
@Erikly Haha, I won't fall into that category if I can help it. Art school's too expensive to just fool around in. Thanks for the advice and for dropping by~
December 27th, 2012 #19
Thanks for stopping by my sketchbook!
I really dig your digital pieces, especially the landscapes (nice colors!) and your portraits are also pretty kickin!
All the figure studies are looking good. Keep on drawing!
Sketchbook is HERE
December 27th, 2012 #20
Thanks for stopping by my sketchbook!
I really dig your digital pieces, especially the landscapes (nice colors!) and your portraits are also pretty kickin!
All the figure studies are looking good. Keep on drawing!
Sketchbook is HERE
December 27th, 2012 #21
The portrait in #12 is niceeee
On your digital paintings, I think it'd be good if you tried starting with some bigger more opaque brushes, and then gradually go smaller as the painting progresses. Try that and see if the result is any different! Also do more things from imagination! haha
December 27th, 2012 #22
I like the drawings. And yes. Try painting big to small brushes and opaque to transparent.
August 23rd, 2013 #23
Phew it's been a while hasn't it? My first year at art school's over (as well as most of my summer, whoops)
Time for a big update!
I did Noah Bradley's Art Camp over the summer and here are some of the works I did for that class. Some imaginative speed painting, some material studies, one of my master studies, and a creature design for a basilisk. More to come soon!
Attachment 1818350
August 24th, 2013 #24
you're doing all the right things! keep it up.
Sketchbook: ()()()()()()
Blog: http://mael-strm.tumblr.com/
August 24th, 2013 #25
hey wishing you a great time at art school and also some unforgettable days of improving! by the way will check out ur SB right now! I'm excited.
August 25th, 2013 #26
@JakehC Thank you!
@T-Eight Heh, thanks! c:
Another batch of imaginative stuff as well as a new personal piece I'm working on.
August 29th, 2013 #27
Another update! Some more quick speedpaintings to get some ideas out and another wip of a personal piece.
August 30th, 2013 #28Registered User
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your environments are looking good, and i really love how you painted that metal helmet.. so shiny!
please check out my sketchbook!
August 31st, 2013 #29
your stuff is pretty cool! I really enjoy your paintings, your contour gestures are pretty good too! perhaps maybe you should give construction oriented gestures a go I think it's will perhaps help you out with some of your proportions a little more! keep posting!
CHECK OUT MY FRIEND'S SB OVAH HERE >> deer's sketchbook
August 31st, 2013 #30
Lovely start to your sketchbook. You show great promise!
My Sketchbook: http://conceptart.org/forums/showthr...Miki-Wiki-Piki
My website: www.crisimikiwiki.com
Facebook Crisi Miki Wiki Piki page: https://www.facebook.com/crisimikiwikipiki
Members who have read this thread: 1


text:
During the 19th and most of the 20th century, this corner lot had
a variety of buildings used for stores and for a
time, the Village Fire House. By the turn of the
Millennium, part of the area was a parking lot, and
part empty space. Working together Village Board
members, Village Staff, members of the Interlaken
Community Action Group and other organizations created the Interlaken Memorial Garden.


text:
While the Congress battles anti-incumbency in Haryana, the front led by it in Kerala is slightly better placed
In a State where electoral politics, in recent years, has alternated between the Congress and the Indian National Lok Dal-BJP alliance, this time the scene is muddled with a different set of alliances.
For the first time, the BJP is contesting as a senior partner with the relatively new Haryana Janhit Congress as its regional face. The INLD failing to stitch an alliance with the BJP is going it alone and the buoyant Aam Aadmi Party, post its Delhi debut, has emerged as the fourth strand in the State's caste ridden politics.
The Congress goes to the polls on April 10 facing double anti-incumbency. The Bhupinder Singh Hooda government will end a 10-year rule in October; nearly coinciding with the United Progressive Alliance's run at the Centre. A desire for change is the all-pervasive sentiment. The present elections are being seen as a "semi final for the Assembly elections."
This explains the reluctance of some of its sitting MPs to contest even though the Congress won nine out of the 10 constituencies in 2009.
Its MP from Ambala and Union Minister Kumari Selja made an adroit move to the Rajya Sabha just days before elections were announced. Rao Inderjeet Singh, the stalwart from Gurgaon, left the party and is now the BJP's candidate. From Sonepat, MP Jagbir Malik refused to contest and the party was forced to nominate someone else.
The BJP, that is contesting eight out of the 10 seats, leaving only two for its partner the HJC, was hoping to ride the 'Modi wave' to emerge out of the shadow of its regional partners, past and present, to have a major say in any future State government.Misstep
It faltered however, in giving tickets to four Congress turncoats. The party has also miscalculated in not giving sufficient tickets to Jat candidates, at a time when Jats are tilting, perhaps for the first time, towards the BJP.
In the past, the party has represented urban non-Jats of the State and depended on the INLD to bring in the rural Jat votes. But by allying with the HJC, that shares the same non-Jat base as its own, the caste calculation has gone somewhat awry.
However, even though the BJP chose not to ally with the INLD, the latter has still declared that it will support Narendra Modi's bid for prime ministership. The INLD is contesting alone on all 10 seats and hopes to cash in on the anti-incumbency wave against the Congress to bounce back. The BJP-INLD-HJC conundrum, however, became muddled when NDA constituent, the Akali Dal from Punjab, began campaigning for the Chautalas in Haryana.
It has triggered speculation that the BJP could ditch the HJC (depending on how well the latter does in the polls) and join hands with the INLD post polls.
The HJC's Kuldeep Bishnoi, contesting from Hisar, is the alliance's chief ministerial candidate, but faultlines have appeared in the partnership of late.
Since the party does not bring crucial Jat votes into the NDA kitty unlike what the INLD, it is widely perceived as dispensable in the Assembly. The Jat vote bank, about 25 per cent of the population, is disillusioned with the Hooda government, and the visible alternative is the INLD.
All this raises the stakes for the regional players this time, as the outcome will have a bearing on their fortunes in the Assembly polls.
Keywords: Lok Sabha elections 2014, Haryana elections


text:
New Oregon St. Football Helmet Online?
A couple weeks ago, we told you about the new Oregon State logo that was possibly leaked online.
Well Beaver fans that didn't like the new possible look should brace themselves because an accompanying new helmet has popped up on the internet that is, well, bold. The Corvallis Gazette-Times recently wrote about both circulating the web and interviewed head coach Mike Riley about it.
Riley didn't confirm whether the fan-designed helmet is close to the real thing but said he has worked with Nike for the last three or four years for an updated look that apparently will debut this fall.
"This new thing is exciting and I'm looking forward to it," Riley told the Gazette-Times. "Some players are involved and they are excited. We'll maintain some of tradition at Oregon State, but we'll branch out to something new and different for us."
Judging by the comments on the Times website, the possible new look isn't going over well in Corvallis:
• "Well I give Nike credit for trying, but the helmet logo looks like a parrot, not a beaver."
• "So Ugly…the fool who created this has to be a University of Oregon Graduate..only someone from UofO would create something so ugly and get the Athletic Department to drink the Kool-Aid and think this is a good look…."
• "I HATE, HATE, HATE it. It looks like the outline of a—dare I say it—duck's wing!"
• "The Oregon State Naked Mole Rats (at least that's what the logo looks like)"
It looks like Oregon State fans might have another reason to hate Nike founder and Oregon super booster Phil Knight.
Current Helmet
New Helmet?


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Patrón? Fresh Juice? Yup... Chipotle Introduces Premium Margaritas
Courtesy Chipotle
Did you even know that Chipotle serves margaritas? I didn't. But apparently they do, made with Sauza and sour mix.
But, as Nation's Restaurant News reported last week, they'll soon be serving a premium margarita, made with Patrón and fresh juice. At $6.50 to $8 (depending on location -- my guess is L.A. will be on the upper end of that scale), that's not a bad price for a Patrón margarita made with fresh juice.
The regular Sauza margarita will still be available as well, though they're nixing the mix and going with fresh juice for the lower-priced Sauza option as well.
The new margaritas will be in most Chipotle locations by April 29. Look for a taste test here on Squid Ink once they roll out.
See also:
- Best Margarita, 2012: Border Grill
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3/11 Rescuers in Japan Disasters Overcome Fears, Shock
March 11 (Bloomberg) -- Flight engineer Tsutomu Kimura had his first look into the smoking ruins of the No. 3 reactor building when his helicopter buzzed over the Fukushima Dai-Ichi atomic plant three days after it exploded.
It was March 17, 2011, and Kimura's job was to push the button to dump 7,500 liters (1,979 gallons) of seawater onto the yellow steel dome of the overheating nuclear containment vessel. The blown-out five-story structure bore little resemblance to pre-March 11 pictures he saw before take-off.
"What if another explosion occurs? What will happen to my family?" Kimura thought at the time, he said in an interview last month at the Ground Self-Defense Force's Camp Kisarazu in Chiba prefecture, near Tokyo.
One year after the March 11 earthquake and tsunami left more than 19,000 people dead or missing and caused the meltdown of three nuclear reactor cores, soldiers and firemen recalled in interviews of saving lives and burying bodies. More than 100,000 members of Japan's Self-Defense Forces poured into northeast Japan in the country's biggest military mobilization since the forces were set up in 1954.
The troops marched into a natural disaster along 400 kilometers (248 miles) of the coast caused by the biggest recorded earthquake to hit Japan. It threw up a tsunami as high as 39 meters that wiped out towns, tossed 400-ton trawlers kilometers inland and drowned thousands.
The Japanese forces were joined by more than 24,500 U.S. troops in what was named Operation Tomodachi, the Japanese word for friend. Firefighters from all 47 prefectures in Japan joined search and rescue efforts.
Deploying Troops
The SDF's Colonel Minoru Tomii at Camp Sendai was responsible to deploy soldiers in the Tohoku region at the center of the disaster, including Fukushima.
While the army had contingency plans for natural disasters, they weren't adequate for the scale of devastation. "We didn't have enough troops," the 54-year-old officer said in an interview at Camp Ogori in Fukuoka prefecture, where he is now a major general.
The physical strain and psychological pressure to find survivors were compounded by communication delays. The SDF set up its first combined army, navy and air-force task force, which then had communication glitches because their customized radios used different frequencies.
Saving Lives
"SDF troops came from all over Japan to save people," said Tomii's superior officer Eiji Kimizuka. "As time passed, that changed to recovering dead bodies," said Kimizuka, who is now the GSDF's Chief of Staff, at a press conference on March 8.
Japan's Self-Defense Forces rescued 19,286 people or 70 percent of the total number of survivors, and recovered 9,505 bodies, according to the Ministry of Defense.
Tomoharu Watanabe, a firefighter in Futaba county where the Fukushima atomic plant is located, said his first tasks were search and rescue. The nuclear disaster exposed him to more dangerous work.
As the Fukushima reactors began failing, Futaba Fire Chief Kazuo Abe told his men that they needed to deliver water to the plant on March 13 to cool nuclear reactors. The firefighters were to enter the atomic station a day after the first hydrogen explosion blew up a reactor building.
"Some of them thought they might die," Abe, 57, said in an interview at the fire department's temporary headquarters in Kawauchi. "It was tough on the men."
'Suicide Missions'
Watanabe was one of 21 men who went into the Fukushima plant on March 16.
"I heard about Chernobyl, where some firefighters had to go on suicide missions," the 36-year-old said in an interview at the fire station. "I thought I may get a dose of radiation, but I knew I wouldn't die if I used my equipment and knowledge correctly."
About 1,740 kilometers southwest of Fukushima at the Kadena Air Base in Okinawa, Major Parkin Bryson, a helicopter pilot with the U.S. Air Force's 33rd Rescue Squadron, was working in his office on March 11 when a colleague burst in to tell him of the unfolding disaster.
Before dawn the following morning, Bryson was at Yokota Air Base in western Tokyo. Over the next month, he and the HH-60G helicopter's three crew members would fly almost daily missions up the coast.
During one stop in freezing temperatures about 14 kilometers north of the city of Ishinomaki, he found about 50 people sheltering in a community center with no heating. His helicopter and two others carried the group to a heated shelter 40 kilometers away.
"The best part is just that you're able to get them where they need to go," Bryson, 33, said in an interview at Kadena.
Cigarettes and Whiskey
Another search and rescue team member, Senior Airman Nicholas Robillard, said his crewmates spotted a few people in a wrecked town and landed to see if they needed anything.
"The only thing they asked for was cigarettes and whiskey and gasoline," Robillard, 24, said in an interview. The crew was able to scrounge together a pack and a half of smokes, but "no whiskey," he said.
The relief effort was joined by the Air Force's Okinawa-based 353rd Special Operations Group, which is trained to deliver supplies and humanitarian aid to no-go zones, such as bombed-out airstrips.
For Lieutenant Colonel Eric Zimmerman, the challenge was to get supplies into the city of Sendai, where the airport's runways were littered with wrecked cars and trucks.
Zimmerman wanted to fly a crew to a military airfield in Matsushima, about 30 kilometers north of Sendai. They would then travel overland to the commercial airport.
Shorter Runway
"We were like, 'Well, if we get a couple guys on the ground, they can look at that runway and mark off a piece that's usable and we can start flying airplanes into there," Zimmerman said in an interview at Kadena.
His team used MC-130 aircraft that can land on 3,000 feet of runway, compared with 12,000 feet for a Boeing Co. 747.
Before that mission could be undertaken, U.S. military commanders had to convince Japanese authorities, Zimmerman said.
"They considered Sendai to be a complete loss, and they weren't going to have airplanes landing there for six months to a year," Zimmerman said. "We were anxious to demonstrate what we could do. We were anxious to help."
Five days after the quake, Zimmerman got the go-ahead for the mission. Concerns on the U.S. side about radiation fallout may have contributed to the delay, he said.
Son of Sendai
A team of 19 special operations airmen landed in Matsushima on March 16 at 5:50 a.m. About half of the team carried on to Sendai airport in a Humvee and a van. Japanese construction workers helped them clear the airstrips.
By 2:30 p.m. the same day, Major Brian Helton landed the first plane at Sendai airport since the quake.
"It looked like a parking lot of destroyed cars," said Helton, who also flew the first Air Force MC-130 into Port-au-Prince's airport after Haiti's magnitude 7 quake in January 2010. For that landing, Helton got the nickname "Hero of Haiti," said Major Jeremy Bergin, who commanded some of the flights to northeast Japan.
Now Helton has another nickname: "Son of Sendai."
To contact the reporters on this story: Jacob Adelman in Tokyo at firstname.lastname@example.com; Chisaki Watanabe in Tokyo at email@example.com; Yuji Okada in Tokyo at email@example.com
To contact the editor responsible for this story: Peter Langan at firstname.lastname@example.com


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McAuliffe OKs extradition request for murder suspect with Loudoun ties
McAuliffe spokesman Brian Coy said Friday that the governor had approved a requisition warrant for Charles Severance.
The 53-year-old Severance was charged with an unrelated firearms charge in Loudoun County and arrested in Wheeling, W.Va., last week. A judge there set a $100,000 bond for Severance on Wednesday.
Alexandria police have said they want to talk to Severance about three killings that date back to 2003.He's a longtime city resident and twice a fringe candidate for mayor.
Top / Public Safety /
Can we extradite Terry to… Russia?


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Aussies win annual Empire State Building climb
Thursday - 2/7/2013, 1:52am EST
Associated Press
NEW YORK (AP) -- A pair of Australians won a race to the top -- or to the 86th floor, anyway.
Aussies captured the top spots in the men's and women's races in the annual Empire State Building Run-up on Wednesday night.
Mark Bourne won for the first time with a time of 10 minutes, 12 seconds. Fellow Aussie Suzy Walsham won the women's division in 12:05. It's the fourth time she's won the race, tying the record for most wins by a woman.
"I'm so thrilled that I won," Walsham said, adding that in comparison to previous years, "I feel surprisingly good" at the finish. She's run the race a total of six times.
Bourne was doing the climb for the second time.
It's "a great feeling to come out on top," he said.
Australians took both second-place slots as well, with Darren Wilson finishing in 10:45 seconds and Brooke Logan finishing in 12:48.
The previous men's champion, Thomas Dold of Germany, did not race for what could have been his eighth consecutive title.
About 700 people from around the world did take part -- up 86 flights of stairs at the Empire State Building. That's a total of 1,576 steps, starting at the lobby and finishing at the observation deck.
The run-up used to be held during the day before being switched to evening hours last year to allow more participation. The event is put on by the New York Road Runners, which also puts on the annual New York City Marathon.
The race "is a real challenge," said Mary Wittenberg, president and CEO of NYRR. "This is not something you do any day of the week."
She added, "It's a -- pun intended -- high."
The Empire State Building race is among the more high-profile tower climbs in the world. Participants are coming from around the United States, as well as countries including Belgium, Japan and Papua New Guinea.
Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Skylight Music Theatre's 'Sound of Music' debuts Friday
How do you solve a problem like Maria? The Skylight Music Theatre begins working out that dilemma Friday, when it opens "The Sound of Music" at the Broadway Theatre Center.
After "The Music Man" was a big hit last season in the holiday slot, the Skylight turned to this popular Rodgers-Hammerstein musical, which is shaping up as its biggest show ever, in two different ways. It's already been extended to a total run of eight weeks, with 42 performances, and it features a cast of 63 performers, with some children's roles double-cast a la First Stage Children's Theater productions. »Read Full Article
Tame Impala anything but at Turner Hall show
Kevin Parker's perfectionist tendencies went into overdrive on last year's "Lonerism," psychedelic band Tame Impala's sophomore full-length album. Besides insisting on playing nearly all the instruments in the studio, Parker mixed the album two times, flying from his native Australia to New York on both occasions, to get the details just to his liking.
Tame Impala didn't have the luxury of do-overs and fine tuning in its sold-out, 85-minute Turner Hall Ballroom set Sunday. And if Parker attempted to bring that obsessive craftsmanship to a live setting, he would run the risk of sabotaging the set's potential for spontaneity. »Read Full Article(1)
'Rep Lab' cooks up mixed batch of one-acts
In her curtain speech before Saturday night's sold-out performance of "Rep Lab," Sandy Ernst - who oversees the Milwaukee Repertory Theater's justly acclaimed intern program - made clear that the Rep simply couldn't stage its shows without each year's crop of two dozen interns.
But even as we routinely note these interns' presence - in smaller roles, as extras and in program credits, where they are listed as understudies and assistants - we rarely get to really see what they can do. Now in its third year, "Rep Lab" - short plays showcasing intern actors, directors, choreographers and designers - lets us appreciate how good they can be. »Read Full Article
Report: Fallon to replace Leno
Reports have surfaced that late-night host Jimmy Fallon will replace Jay Leno as host of "The Tonight Show" show next year.
NBC, which just finished fifth behind Univision in the February ratings, has denied the report. »Read Full Blog Post(6)


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Equine Watchlist
At Risk
|New Forest Pony
|Hackney horse & pony
Other native breeds: Shetland pony and Welsh pony
Most of Britain's native equine breeds were traditionally used as working animals. Heavy breeds, such as the Suffolk Punch and Clydesdale, ploughed the rich lowlands, while both the large and small pony breeds provided agricultural power on upland farms. Highlands are well known as stalking ponies bringing the deer down from the hills and were extensively used on crofts. In the island crofting communities the Eriskay carried panniers of seaweed from the shore and peat from the moor and, in addition to its agricultural role, the sturdy Dales was used to transport loads of lead from mines in the high Pennines to the coast. The tireless Exmoor could carry a shepherd all day as could the fast-trotting Fell, which was also a popular mount for postmen. As well as working on the hill farms Dartmoors were used to transport prisoners across the moor and the Welsh Mountain pony was used extensively in mining.
Mechanised power has overtaken horsepower in most of these activities, and many of the breeds which were once common are now endangered. Others have already become extinct such as the Cushendale, Goonhilly, Tiree and Longmynd pony.
Most breeds that remain owe their survival in a great part to the leisure industry; adaptation was the rule for most breeds. All of the pony breeds make excellent family ponies, many are quite capable of carrying an adult, and they regularly compete in all ridden activities, make excellent driving ponies and adapt well to riding and driving for the disabled. The heavy breeds, especially the Shire, found a temporary respite hauling drays for brewery companies whilst hunting, show-jumping and eventing provided a more secure role for other breeds such as the Irish Draught and the Cleveland Bay which is also well known as a carriage horse. The Hackney Horse and pony are, of course, best known for their driven activities.
The Trust understands the need for breeds to adapt and change to meet new challenges, but it recognises the dangers of genetic loss where the changes are too great, and especially where introgression is part of the process of change. In some cases, such as Fell and Exmoor Ponies, semi-feral herds have been maintained in their original native habitat, but this is rare. Many of the pony breeds make excellent conservation grazers, conserving themselves as well as their environment. Although competitive sporting events are likely to continue to be a significant factor in the future use of most breeds, the Trust is concerned to re-establish utility values of native breeds outside the leisure industry, and is exploring their use in activities such as forestry and farming. Dales Ponies, Suffolk Punch and Clydesdale heavy horses have all demonstrated their worth in forestry work, and a proven efficient function is the best safeguard for the future security of rare breeds.
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Watch What Happens When a Compliment Backfires [Video]
Doug Brannson walked into the control room earlier and announced as I was whistling that I whistled like Ethel Merman sang. Ouch!
Doug Brannson walked into the control room earlier and announced as I was whistling that I whistled like Ethel Merman sang. Ouch!
Thanks to modern technology, more and more citizens are filming police officers and their actions. Now, Texas Representative Jason Villalba wants that made illegal and yes, as it's currently worded, you could be arrested for it.
Officials at the University of Texas, in Austin, are trying to figure out how 100 brains went missing from the psychology lab. My guess is Zombies.
Do Texas Tech students pay attention to politics? PoliTech set out to answer that question. You might not like the answer.
Oh happy day!!! It's time for the South Plains Fair - which means it's time for my favorite food of all time!!! FAIR FOOD!
Oh, the joys of being married! No, really -- there are joys to being married! There are also ridiculous arguments that between married couples – such as how to properly install a new roll of toilet paper. (The end piece goes over, NOT under – duh!)
Dear Parents – now that school is back in session, here are a few reminders on how one should behave when dropping off and picking up children from school.
It's no secret to many of you that I am a very active person with my son's high school football program at Lubbock Coronado...but now it's breaking my heart.
I know, I know - it's Monday. The day you drag your butt out of bed, get ready for the day and then drive to work looking through only one eye because it's just too difficult to open both eyes.
Believe me - I get it
Standing in line at the grocery store I saw the June edition of PEOPLE Country that listed Country's Sexiest Men for 2014.
In my iTunes account I have a little over 200 songs, however when I listen to my music, I just listen to the different playlists that I've made – neglecting some of the other songs.
Last night, as usual, I put my ear buds in as I went to bed and instead of just choosing a playlist – I shuffled the entire music library – and ended up staying up most of the night listening to all of the songs I had forgotten I downloaded
Lately I've had a HORRIBLE time with insomnia! 50% of the time my eyes pop open between 3-4am. It's so frustrating!


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Telephone Reverse Lookup: Identity Search Services Provider Rolls Out Low Cost Lookups
QuickReverseCell.com, an emerging web-based reverse telephone number search provider, has announced a new service to search identities of individuals using cell phone numbers.
Tempe, AZ (PRWEB) January 08, 2013
QuickReverseCell.com, a web-based service that has recently carved its niche in providing reverse phone lookups as an online service, has announced the rollout of a cool product intended to search identities using cellular phone numbers as their lookup key. In an announcement made earlier today, the provider further released an option for their customers to carry out unlimited searches both from the Internet as well as from their mobile devices at a flat rate of $1. With an improved identity database federated across the multiple identity services offered by the company, the company expects a hit ratio in excess of 98% on a per-search success rate basis.
"We are pleased to announce that we have finally completed the much-awaited integration of our identity provision services with the high demand reverse cellphone lookup service". "The new service harnesses our existing identity databases and also federates with some other major players in the space of identity management. Reverse cell phone search was one of our most-demanded features from our existing customers. With an industry leading price point of $1 for unlimited mobile and online searches for both our B2C and C2C customers, we now boast of pricing plans that are more competitive than any other player in this space. Add our excellence in customer service, and our service becomes one of the most delightful ones to be around."
Key Benefits of a Reverse Mobile Phone Number Tracker:
Find a phone number owner's name and address
Trace a suspicious number
Find out who your kids are calling
Stop unwanted prank calls
Find out who keeps calling your partner
Verify your phone bill
View satellite images of a phone owners last known address
Get free criminal background checks on the caller
Get a Free Preliminary Lookup Here
The announcement comes at a time when the economic climate is in a crisis, and a lot of companies in the identity management space have found it difficult to attract and sustain clients. The company feels that the pricing structure will convert a number of potential customers into actual buyers, as well as help make repeat buying simpler and financially more viable. Also, the addition of the federated identity databases will improve the reverse phone search quality very much. The hit ratio, which refers to the number of successful lookups given a number of search activities, has been more than 98% in the trial periods and beta tests performed by the provider.
"We are confident in the quality of our database, and believe that we shall be able to maintain a hit ratio of more than 98% for both the B2C and C2C segments in the longer run". The total volume increase of business for the company, including existing customers signing up for this new service as well as the new service attracting new customers, will lead to a bottom line enhancement of more than 50%. Industry analysts have also greeted the entry of QuickreverseCell.com into the space of reverse cellphone lookup service on a positive note, viewing this as a smart cross-sale move by the marketing department of the organization, as reported by the company spokesperson.
QuickReverseCell.com is an U.S. affiliate of PhoneRegistry.com and provides one of the few openly accessible search databases online which incorporate unpublished, cellular and residential telephone numbers. This particular innovative application is facilitating more individuals to find ownership details of telephone numbers online. This non-consumer reporting agency gives public data information that's obtained from a number of sources. The information is consistently updated allowing searchers of U.S. phone numbers to get the most up-to-date and precise information that is available today.
For the original version on PRWeb visit: http://www.prweb.com/releases/prweb2013/1/prweb10288886.htm