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The Story So Far: Sex, Star Trek and wire tapsHello and welcome to The Story So Far for Tuesday Feb. 5. Click on the grey icon below to hear the stories we're following for you today. And remember, you can listen to us on iTunes at http://tinyurl.
Gazette Midday: Average Canadian has 12 sex partners: studyHello and welcome to montrealgazette.com and welcome to Midday. Here's the rundown on some of the stories we're following for you at the moment. Presuming the respondents were telling the truth, a survey


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10 posts tagged with hair and longhair.
Displaying 1 through 10 of 10. Subscribe:
Product recommendations for long hair
Product recommendations for long hair [more inside]
What's a good but still long-ish hairstyle for a guy seeking a job in London?
What's a good, long-ish haircut for a guy in London going back into office work after a long period away? [more inside]
Late '90s called, wants hair back
I haven't had a haircut this century. I think it's time. Help me decide on the way forward. [more inside]
How do I grow long hair, as a guy?
I'm a guy, and I'm growing my hair long - what do I need to know? [more inside]
Everyday styles for long, thick hair
Long-haired MeFites, please tell me what I can do with my hair besides put it up in a ponytail or tear it out. [more inside]
Keeping my laundry hair-free?
Do you have tricks or tips for keeping hair off your clean laundry? [more inside]
What are some masculine styles for long hair?
I'm a guy with fairly long hair (halfway down my back long). Currently I have two styles: Tied back in a ponytail and not tied back. What else can I do with my hair that won't be too feminine-looking? I'm looking for short-term things, not long term things like dreadlocks.
A Human Shedding Hair Like a Cat
I'm a male, and have had long hair for about three years now. Right now, it's shoulder-length. However, I seem to shed an awful lot of hair. It breaks and it gets all over, especially on my clothes. What can I do to strengthen my hair and reduce how much I shed, short of cutting it off?
How to create a skullcap of hair
I've just started regularly attending Brazilian jujitsu. Please help me find the perfect hairstyle so my locks of love don't become locks of I-am-totally-going-to-choke-you-to-death-with-your-own-braid! [more inside]
How do I keep my hair out of my face without hurting my scalp?
Hairfilter. I've been growing out my hair for a few years but have generally lived with it quite short. Now I have trouble keeping it out of my face, food, etc., comfortably. [more inside] [more inside]
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subset: commoncrawl


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Hotel Slovan - Brno
Lidicka 23 - Brno1-877-662-6988
Welcome to Hotel Slovan!
This 3-star Brno hotel offers a hair salon. You can find massage/treatment rooms and a fitness center on site so you will be able to take some time out to relax. Outfitted with a bar/lounge, you'll find the perfect place to have a drink. Multilingual staff are available at the front desk 24 hours-a-day and can provide tour/ticket assistance.
Free high-speed (wired) Internet access is available. Planning a meeting? This hotel has 5 meeting rooms. Other amenities include gift shops/newsstands, dry cleaning/laundry, an elevator (lift), laundry facilities and shopping on site.
One day, I argued with one receptionist and the manager of this hotel because I wa...Venere Guest, Luxembourg
These reviews have been left by customers who actually stayed at this hotel
Check Availability at Hotel Slovan
Facilities at Hotel Slovan
- Dogs allowed
- Laundry service
- Lift/elevator
- Room service - limited hour
- Laundry room
- Hairdresser
- Gift shop
- Shops in the hotel
- Pets accepted
- Bar
- Restaurant/Dining
- Massages
- Luggage room
- Personal newspapers
- Multilingual staff
- City tour
- Front desk - 24 hour
- Gym
- Billiards / Snooker
- Internet/Email services
- Night club
Know before you go
Check-in: after noon.
Check-out: before noon.
PolicyExtra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
City tax and/or any other fees charged by the hotel
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Self parking fee: CZK 220 per night
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.
National ratingHotelstars Union assigns an official star rating in Czech Republic. This property is rated 3 stars and is displayed on this page as 3 stars.
Hotel Slovan is also known as
Hotel Slovan
Slovan Hotel Brno
Hotel Slovan reviews
- September 2009
- Venere Guest
- Single traveller
- Luxembourg
One day, I argued with one receptionist and the manager of this hotel because I wanted them only to wash my clothes, but they washed it and ironed too, also they ironed my underpants and socks, for a total price of 42 euros ! so I was angry. On this hotel, it is not possible to do only a wash machine, but you have also to pay for ironing all what you washed, and it is expensive !
- May 2008
- Venere Guest
- Single traveller
- Italy
too much expansive during exhibitions time for the service offered
- March 2006
- Venere Guest
- Couple
- United Kingdom
The hotel was really good for the price. The only thing that let it down in my eyes was that there was no kettle or tea/coffee facilities in the room. We had to go out and buy a kettle as there was no way that I could survive 5 days without having a cup of tea in the room!! On the other hand there was a fridge in the room if you need to keep your beer cool. The staff were friendly and extremely helpful.
- September 2008
- Venere Guest
- Single traveller
- Australia
- January 2008
- Venere Guest
- Couple
- Italy
- August 2007
- Venere Guest
- Couple
- Norway
Loading reviews in other languages...
- June 2009
- Venere Guest
- Group
- Germany
Hotel Slovan reviews by TripAdvisor
Room Details
Book your pet-friendly accommodation at Hotel Slovan, offering 83 guest rooms with climate control. Televisions in each room offer entertainment at the end of a long day. Corporate travelers will benefit from free wireless high-speed Internet access as well as complimentary newspapers, safes and phones during their Brno visit. Bathrooms are outfitted with hair dryers.
Accommodation Services
- Telephone
- Extra beds
- Hairdryer in each room
- Safe
- Individually controlled air conditioning
- Wireless Internet access
Distances from Hotel SlovanLuzanky Park - 0.4 km / 0.3 mi
Masaryk University - 0.5 km / 0.3 mi
Brno National Theatre - 0.8 km / 0.5 mi
Villa Tugendhat - 0.9 km / 0.5 mi
Spilberk Castle - 1.1 km / 0.7 mi
Cathedral of St. Peter and St. Paul - 1.3 km / 0.8 mi
Brno Trade and Fair Centre - 2.2 km / 1.3 mi
University of Technology Brno - 3.3 km / 2 mi
Brno Circuit - 11.3 km / 7 mi
Golf Club Austerlitz - 19.9 km / 12.4 mi
Slavkov Castle - 20.1 km / 12.5 mi
Vyskov Zoo Park - 29.3 km / 18.2 mi
Vyskov Regional Museum - 29.5 km / 18.3 mi
Vyskov Brewery - 29.6 km / 18.4 mi
Vyskov Aquapark - 29.7 km / 18.4 mi
The preferred airport for Hotel Slovan is Brno (BRQ-Turany) - 8.1 km / 5 mi.
Distances are calculated in a straight line from the property's location to the point of interest or airport and may not reflect actual travel distance.
Distances are displayed to the nearest 0.1 km and mile.
We have the accommodation you need, all over the world
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Cheap SRQ to Camp Springs flights
Popular Flights from Sarasota, Florida
Top Sarasota Flights to US Destinations
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Route information for flights from Sarasota Bradenton Intl. to Andrews Air Force Base.
854.13 miles
SRQ - Sarasota Bradenton Intl. Airlines
Browse the most popular airlines servicing the Sarasota (SRQ) airport. Visit their flights pages to learn more about the most popular routes these carriers fly.


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Audi "coup" by Thjnk
Rating: 5.0
By Sarah Shearman, marketingmagazine.co.uk, Thursday, 27 October 2011 10:51AM
The Kimberley-Clark owned brand has launched Kleenex Balsam Coldline, a dedicated hotline for cold and flu sufferers.
The Coldline will offer words of sympathy and comfort from some of the nation's most soothing voices – including Audrey Hepburn, Cheryl Cole, Ruby Wax, Lorraine Kelly and Jennifer Saunders – voiced by Ancona.
The campaign is being supported with a microsite and will be promoted via social media, handled by We Are Social.
The Coldline has been launched in response to research, which revealed that 47% of people don't feel they get enough sympathy when feeling under the weather.
Ancona said: "When I get a cold I want sympathy, which is often sadly lacking from friends and family. I'm not the only one, evidently nearly half of us feel neglected when under the weather and would like some TLC."
In May this year, Kleenex rolled out a social media campaign, to provide hayfever sufferers with expert medical advice via Facebook and Twitter.
Follow Sarah Shearman on Twitter @shearmans
This article was first published on marketingmagazine.co.uk
Before commenting please read our rules for commenting on articles.
If you see a comment you find offensive, you can flag it as inappropriate. In the top right-hand corner of an individual comment, you will see 'flag as inappropriate'. Clicking this prompts us to review the comment. For further information see our rules for commenting on articles.
Rating: 5.0
Rating: 5.0


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This is familiar territory for writer-director Nancy Meyers, Hollywood's queen of the chick flick. Her latest has charming moments and a hopeful message for despondent singles, but it lacks the emotional resonance of Meyers' "Something's Gotta Give" and the zaniness of "What Women Want." show more
If you're willing to embrace a bit of corniness for the sake of some incisive humor, a few poignant moments and enjoyable scenarios, make time for The Holiday. show more
In what was clearly designed to be a chick flick, the on-screen chicks work hard at being endearing, while Jude Law, as Amanda's more than conversational partner, charms everyone effortlessly and gets the best lines. show more
May 25, 2012 patdancer2
Report This User
Hello and Good Evening, I thought this movie, \"The Holiday\" was fantastic! Not only did it make me laugh and smile, it completely overwelmed me in a good way. So much that I watch it over and bought the DVD. It helped me when I was down and needed a little verve and vitality that lets face it a lot of us need. All of the all star cast was outstanding and the characters were all believable and realistic. Thank you for allowing a movie to transcend and surpass the everyday lifestyle of two bright, successful, strong and funny women who embraced the chance to change their latitude and longitude and find exactly what they were looking for. Finding new friends, companions, cultures, and what better,... themselves. Thank you again. Brava.
December 26, 2011 anuwish
Report This User
Loved it!
November 02, 2010 Echerry2012
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Ideal to watch at Christmas time. Cuddle up with a blanket,a warm beverage, and the television set to play 'The Holiday'. Enjoy. :)


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8 Most Popular JavaScript Image Cropping Scripts
UvumiTools Crop
UvumiTools Crop is a simple yet sophisticated Mootool plugin for image cropping. It comes with a lot of advanced features like real time preview of the cropped image, lock aspect ratio, minimum size preset, on the fly image change and more. However one of the best thing with this script is that if your image is resized to fit it a document using <img>'s width and height, it will automatically detect the resized image and adjust its cropping control accordingly. This is extremely useful for larger images in your web page. Finally, the author of this tool provides 2 sample PHP cropping scripts that can be called directly from the JavaScript objects. These will allow you to either generate a direct download or save a copy to your web server.
Javascript Image Cropper UI
Image crop – DHTML user interface
This script gives you an Image crop/resize DHTML user interface. It has been developped by DHTMLGoodies, one of the best DHTML providers on the Net. This script has all the basic features required for a perfect image cropping solution. It works by dragging a rectangle around the area you want to crop. Once selected, click the "Crop" button and let Ajax send crop data to the server and the cropped image back to you. PHP uses ImageMagick on the server to crop and convert the image.
Rectangular Marquee Tool
Kroppr is intended to help webmasters allow their users to manipulate the images available on the site. This script can also rotate, zoom in/out and resize the image. Kroppr is undoubtebly the easiest to install and configure image cropper, however, it is a commercial scripts on sales at $40. The Kroppr scripts are encoded and your server needs to support Ioncube Loader and any GD image processing library.
Lasso.Crop Image Cropping Tool
Lasso.Crop is yet another Mootool based cropping script. It is a simple and extremely easy to use script which works on all modern browsers. Several options like aspect ration, mininum and maximum dimensions, mask color and opacity and boundary box can be configured. Lasso.Crop comes with some preset options to help with usability and provide visual clue to communitate that an image can be cropped. The script works in Firefox, Safari and Internet Explorer 6 and 7.
AJAX image cropper with YUI and PHP
The Yahoo! User Interface Library (YUI), has a lot of utilities and controls written in JavaScript for manipulating images. Their ImageCropper control, which is still in beta is stable enough to be used in your projects. It provides an interactive interface for getting the dimensions to crop an image. HTMLBlog.net has an in-depth tutorial to show you how to build an AJAX crop image tool using the image cropper control from YUI library and PHP.
Jcrop is a quick and easy way to add image cropping functionality to your web application. It combines the ease-of-use of a typical jQuery plugin with a powerful cross-platform DHTML cropping engine that is faithful to familiar desktop graphics applications. It attaches unobtrusively to any image and includes API features to create additional interactions.
6 Responses to "8 Most Popular JavaScript Image Cropping Scripts"
Anton Says:
May 15th, 2009 at 2:16 am
My favorite is the "AJAX image cropper with YUI and PHP". I was looking for a good one and came across this one, it worked directly.
Art2code Says:
May 21st, 2009 at 2:44 am
very useful scripts!
Elemental Web and Mobile Solutions Says:
July 3rd, 2009 at 10:50 pm
Excellent post, thanks so much, this is definitely something that is going to assist with image uploads and manipulation.
Thanks again much appreciated!
Very Cool Says:
July 12th, 2009 at 10:34 am
Can anybody code it as wordpress plug-in?
Ahmad Permessur Says:
July 12th, 2009 at 2:52 pm
There are a few image cropping WordPress plugins:
WP Vivtiger Image Resize: http://wordpress.org/extend/pl.....e-resizer/
Scissors: http://wordpress.org/extend/plugins/scissors/
SmartImageResizer – http://averagecoder.net/smarti.....esizer.htm
Cool Says:
December 5th, 2009 at 1:08 am
long age search this script php+JavaScript croper . thx!


text:
Pronunciation: Michael Vermeulen
Added on: 2012-12-10 Listened: 118 timesin: person name, name - Afrikaans
Pronunciation in Afrikaans [af]
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Structuring Payment to Medical Homes After the Affordable Care Act
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The Patient-Centered Medical Home (PCMH) is a leading model of primary care reform, a critical element of which is payment reform for primary care services. With the passage of the Affordable Care Act, the Accountable Care Organization (ACO) has emerged as a model of delivery system reform, and while there is theoretical alignment between the PCMH and ACOs, the discussion of physician payment within each model has remained distinct. Here we compare payment for medical homes with that for accountable care organizations, consider opportunities for integration, and discuss implications for policy makers and payers considering ACO models. The PCMH and ACO are complementary approaches to reformed care delivery: the PCMH ultimately requires strong integration with specialists and hospitals as seen under ACOs, and ACOs likely will require a high functioning primary care system as embodied by the PCMH. Aligning payment incentives within the ACO will be critical to achieving this integration and enhancing the care coordination role of primary care in these settings.
Article MetricsCitations
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- Stange, KC, Nutting, PA, Miller, WL (2010) Defining and measuring the patient-centered medical home. J Gen Intern Med 25: pp. 601-612 CrossRef
- Berenson, RA, Rich, EC (2010) How to buy a medical home? Policy options and practical questions. J Gen Intern Med 25: pp. 619-624 CrossRef
- Berenson, RA, Rich, EC (2010) US approaches to physician payment: the deconstruction of primary care. J Gen Intern Med 25: pp. 613-618 CrossRef
- Bitton, A, Martin, C, Landon, BE (2010) A nationwide survey of patient centered medical home demonstration projects. J Gen Intern Med 25: pp. 584-592 CrossRef
- Merrell, K, Berenson, RA (2010) Structuring payment for medical homes. Health Aff (Millwood) 29: pp. 852-858 CrossRef
- Fisher, ES, McClellan, MB, Bertko, J (2009) Fostering accountable health care: moving forward in Medicare. Health Aff (Millwood) 28: pp. w219-w231 CrossRef
- McClellan, M, McKethan, AN, Lewis, JL, Roski, J, Fisher, ES (2010) A national strategy to put accountable care into practice. Health Aff (Millwood) 29: pp. 982-990 CrossRef
- Landon, BE (2012) Keeping score under a global payment system. N Engl J Med 366: pp. 393-395 CrossRef
- Fisher, ES, Shortell, SM, Kreindler, SA, Citters, AD, Larson, BK (2012) A framework for evaluating the formation, implementation, and performance of accountable care organizations. Health Aff (Millwood) 31: pp. 2368-2378 CrossRef
- McWilliams JM, Chernew ME, Zaslavsky AM, Hamed P, Landon BE. Delivery system integration and health care spending and quality for Medicare beneficiaries. JAMA Intern Med. 2013;1–9. doi:10.1001/jamainternmed.2013.6886.
- Harbrecht, MG, Latts, LM (2012) Colorado's Patient-Centered Medical Home Pilot met numerous obstacles, yet saw results such as reduced hospital admissions. Health Aff (Millwood). 31: pp. 2010-2017 CrossRef
- Reid, RJ, Fishman, PA, Yu, O (2009) Patient-centered medical home demonstration: a prospective, quasi-experimental, before and after evaluation. Am J Manag Care 15: pp. e71-e87
- Rittenhouse, DR, Shortell, SM, Fisher, ES (2009) Primary care and accountable care–two essential elements of delivery-system reform. N Engl J Med 361: pp. 2301-2303 CrossRef
- Goroll, AH, Schoenbaum, SC (2012) Payment reform for primary care within the accountable care organization: a critical issue for health system reform. JAMA 308: pp. 577-578 CrossRef
- Larson BK, Van Citters AD, Kreindler SA, et al. Insights from transformations under way at four Brookings-Dartmouth accountable care organization pilot sites. Health Aff (Millwood). 2012;31(11):2395–406. doi:10.1377/hlthaff.2011.1219.
- Steiner, BD, Denham, AC, Ashkin, E, Newton, WP, Wroth, T, Dobson, LA (2008) Community care of North Carolina: improving care through community health networks. Ann Fam Med 6: pp. 361-367 CrossRef
- Steele, GD, Haynes, JA, Davis, DE (2010) How Geisinger's Advanced Medical Home Model argues the case for rapid-cycle innovation. Health Aff (Millwood). 29: pp. 2047-2053 CrossRef
- Reid, RJ, Coleman, K, Johnson, EA (2010) The Group Health medical home at year two: cost savings, higher patient satisfaction, and less burnout for providers. Health Aff (Millwood) 29: pp. 835-843 CrossRef
- Bielaszka-DuVernay, C (2011) Vermont's Blueprint for medical homes, community health teams, and better health at lower cost. Health Aff (Millwood) 30: pp. 383-386 CrossRef
- Takach, M (2012) About half of the States are implementing patient-centered medical homes for their medicaid populations. Health Aff (Millwood) 31: pp. 2432-2440 CrossRef
- Mechanic, R, Zinner, DE (2012) Many large medical groups will need to acquire new skills and tools to be ready for payment reform. Health Aff (Millwood) 31: pp. 1984-1992 CrossRef
- Weissman, JS, Bailit, M, D'Andrea, G, Rosenthal, MB (2012) The design and application of shared savings programs: lessons from early adopters. Health Aff (Millwood) 31: pp. 1959-1968 CrossRef
- Friedberg, MW, Buendia, AM, Lauderdale, KE, Hussey, PS (2013) Option pricing: a flexible tool to disseminate shared savings contracts. Am J Manag Care 19: pp. e285-e292
- Lee, TH, Bothe, A, Steele, GD (2012) How Geisinger structures its physicians' compensation to support improvements in quality, efficiency, and volume. Health Aff (Millwood) 31: pp. 2068-2073 CrossRef
- Chen, AH, Murphy, EJ, Yee, HF (2013) eReferral—a new model for integrated care. N Engl J Med 368: pp. 2450-2453 CrossRef
- Title
- Structuring Payment to Medical Homes After the Affordable Care Act
- Journal
Journal of General Internal Medicine
Volume 29, Issue 10 , pp 1410-1413
- Cover Date
- 2014-10-01
- 10.1007/s11606-014-2848-3
- Print ISSN
- 0884-8734
- Online ISSN
- 1525-1497
- Publisher
- Springer US
- Additional Links
- Topics
- Industry Sectors
- Authors
- Samuel T. Edwards MD (1) (2) (3)
- Melinda K. Abrams MS (4)
- Richard J. Baron MD (5)
- Robert A. Berenson MD (6)
- Eugene C. Rich MD (7)
- Gary E. Rosenthal MD (8) (9)
- Meredith B. Rosenthal Ph.D. (10)
- Bruce E. Landon MD, MBA (11) (12)
- Author Affiliations
- 1. Section of General Internal Medicine, Veterans Affairs (VA) Boston Healthcare System, Boston, MA, USA
- 2. Massachusetts Veteran's Epidemiology Research and Information Center, VA Boston Healthcare System, Boston, MA, USA
- 3. Harvard Medical School, Boston, MA, USA
- 4. The Commonwealth Fund, New York, NY, USA
- 5. American Board of Internal Medicine, Philadelphia, PA, USA
- 6. The Urban Institute, Washington, DC, USA
- 7. Mathematica Policy Research, Washington, DC, USA
- 8. University of Iowa Carver College of Medicine, Iowa City, IA, USA
- 9. Iowa City VA Health Care System, Iowa City, IA, USA
- 10. Department of Health Policy and Management, Harvard School of Public Health, Boston, MA, USA
- 11. Division of General Medicine and Primary Care, Beth Israel Deaconess Medical Center, Boston, MA, USA
- 12. Department of Health Care Policy, Harvard Medical School, 180 Longwood Avenue, Boston, MA, 02115-5899, USA


text:
A system and method for quantifying the working capital benefit of pooling a number of separate cash accounts. The average (mean) cash balance of the pooled account is determined to be the sum of the means of each of the individual accounts. Similarly, the standard deviation of the pooled account is determined to be the square root of the sum of the squares of the standard deviations of the individual accounts. Accordingly, the minimum cash level of the pooled account is 2.3 times the square root of the sum of the squares of the standard deviations of the individual accounts. In order to determine the benefit of pooling, the present invention determines the difference between the minimum aggregate cash required by the separate companies and the minimum cash required in the pooled account. If pooling is to be beneficial, from a working capital perspective, the minimum cash required in the pooled account will be significantly less than the aggregate cash required by the separate companies.
1. A method for determining a benefit of pooling separate cash accounts into a single pooled account, the method comprising:
determining separate minimum cash balances required in the separate cash accounts;
aggregating the separate minimum cash balances into an aggregated minimum cash balance;
determining a pooled minimum cash balance required in the single pooled account; and
determining a difference between the aggregated minimum cash balance and the pooled minimum cash balance, wherein the difference is a benefit of pooling.
2. The method as recited in
multiplying a standard deviation of a cash balance in each of the separate cash accounts by 2.3.
3. The method as recited in
4. The method as recited in
pooling the separate cash accounts into the single pooled account if the pooled minimum cash balance is less than the aggregated minimum cash balance.
5. The method as recited in
receiving the number of separate cash accounts to be pooled;
receiving daily balance data for each of the separate cash accounts;
receiving an identification of a currency of the separate cash accounts; and
receiving interest spreads for each of the separate cash accounts.
6. The method as recited in
7. The method as recited in
8. The method as recited in
9. A system for determining a benefit of pooling separate cash accounts into a single pooled account, the system comprising:
a communication network;
at least one user terminal coupled to the communication network; and
an information processor coupled to the communication network, wherein the information processor is operable to:
determine separate minimum cash balances required in the separate cash accounts,
aggregate the separate minimum cash balances into an aggregated minimum cash balance,
determine a pooled minimum cash balance required in the single pooled account, and
determine a difference between the aggregated minimum cash balance and the pooled minimum cash balance, wherein the difference is a benefit of pooling.
10. The system as recited in
11. The system as recited in
12. The system as recited in
issue an instruction to pool the separate cash accounts into the single pooled account if the pooled minimum cash balance is less than the aggregated minimum cash balance.
13. The system as recited in
an input interface, the input interface operable to:
receive the number of separate cash accounts to be pooled,
receive daily balance data for each of the separate cash accounts,
receive an identification of a currency of the separate cash accounts, and
receive interest spreads for each of the separate cash accounts.
14. The system as recited in
15. The system as recited in
16. The system as recited in
[0001] The present invention generally relates to systems and methods for pooling financial accounts and more particularly to a system and method for measuring the benefits accrued from pooling.
[0002] This application is related to and claims priority to U.S. provisional patent application Serial No. 60/272,546, filed Mar. 1, 2001, entitled SYSTEM AND METHOD FOR MEASURING AND UTILIZING POOLING ANALYTICS. BACKGROUND OF THE INVENTION
[0003] Pooling is a financial method in which several different accounts of a customer are combined, "pooled" into a single account in order to obtain certain benefits. Some of these benefits include the ability to earn greater interested in the pooled account and decreased costs in maintaining the several accounts. For an example, a large corporation with several divisions or subsidiaries might consider pooling the cash accounts of the several divisions or subsidiaries to achieve interest and cost benefits.
[0004] Corporations will frequently hold multiple bank accounts with the same bank in the same currency. Often these accounts are held by individual subsidiaries or divisions of the corporation for the sole use of that business or legal entity. At any one time one or several of these accounts could be in deficit (overdraft) and pay debit interest to the bank, whilst at the same time other accounts could be in surplus (credit) and be earning credit interest. Given that credit interest is lower than debit interest, the corporation overall will forgo the 'spread' between the credit and debit interest on any offsetting long and short positions.
[0005] Historically, banks have been asked by their clients to calculate the various benefits of implementing a pooling structure for their organization. Typically, this process began by the client supplying historical data of the daily cash position for each of the individual entities it was intending to pool. For the analysis to be in any way representative, at least 3 months data, ideally more, was required. If the company was subject to seasonal variations, such as a manufacturer of ski equipment, account data representing anything less than a 12 month period would possibly be questionable. The financial data for each entity (e.g., division) within the company would need to be collected over the same period With this historical financial data in hand, the bank would then calculate the interest earnings and costs that each of these entities would have earned or incurred acting as stand-alone entities with their stand-alone cash positions over that historic period. The bank then calculated the interest earnings and costs that would be realized if the separate accounts had been pooled over this same period of time. The calculated interests and costs of the non-pooled accounts would then be compared to the interest earnings and costs which would have been earned or incurred had the accounts of these entities been pooled together over that historic period. The (presumably) increase in bank interest and decrease in associated costs would be said to be the pooling benefit.
[0006] There are a number of drawbacks with this traditional prior art approach for measuring the benefits of pooling. The traditional analysis is conducted on historic data which will inevitably contain one-time irregularities that will distort the data. The traditional analysis measures best case versus a do-nothing strategy. In practice, in the absence of any other liquidity structure, most treasurers would at least be taking some ad-hoc measures to share liquidity across the group using, for example, intercompany term loans. This oversight in the prior art techniques tends to diminish the validity of this analysis in the eyes of any but the most naive of treasurers. Finally, the prior art analysis will only show a pooling benefit if some of the entities have a cash deficit coincident with a surplus cash position in other entities.
[0007] The present invention solves the problems of the prior art as described above by recognizing that the prior art's biggest drawback is that the traditional approach determines the benefits of pooling only by measuring the direct interest gain and direct cost saving. In contrast to the prior art, the system and method of the present invention incorporates and analyzes the beneficial impact pooling can have in areas such as: reduced volatility of cash balance; cash forecasting; the ability to reduce the overall cash required to run the business; and the positive impact all of the above can have on earnings and the balance sheet.
[0008] The system and method of the present invention quantifies the working capital benefit of pooling using standard statistical techniques, and at the same time overcomes many of the difficulties inherent in the traditional pooling benefit measurements. The present system and method requires less data as the analysis relies on understanding the volatility of the cashflow in a given entity. These cashflow data tend to be reasonably constant over time so shorter data periods can be analyzed (i.e., less data). While still conducted using historical data, the method of the present invention is a much more accurate predictor of future periods. The method works even if the historic cash balances are unrepresentative of the steady state. A pooling benefit will be evident even if all entities have a long cash position all of the time. The pooling benefit determined by the present invention is similar whether the group has a do-nothing policy with regard to cash management, or has a very active cash management strategy which attempts to manage the individual entity's cash positions using intercompany loans.
[0009] One significant aspect of the present invention is its recognition of the fact that although a company's cash balance fluctuates on a daily basis, over time the distribution of the balance conforms to a Normal distribution. The pattern of a Normal distribution is followed both for the cash flow of individual companies without pooling, and the cash flow of a consolidated (pooled) cash account.
[0010] Given that the cash balances follow a Normal distribution, a company's cash flow is bounded by the mean of the distribution plus or minus the standard deviation multiplied by 2.3. This implies that the company must keep at least 2.3 times the standard deviation to ensure having enough cash to fund the company's operations. For n companies (e.g., n subsidiaries of a larger corporation) the minimum aggregate cash required is therefore 2.3 times the sum of the respective standard deviations of the separate companies.
[0011] In its pooling analysis, the present invention determines that the average (mean) cash balance of the pooled account is the sum of the means of each of the individual accounts. Similarly, the standard deviation of the pooled account is the square root of the sum of the squares of the standard deviations of the individual accounts. Accordingly, the present invention determines the minimum cash level of the pooled account to be 2.3 times the square root of the sum of the squares of the standard deviations of the individual accounts.
[0012] In order to determine the benefit of pooling the present invention determines the difference between the minimum aggregate cash required by the separate companies and the minimum cash required in the pooled account. If pooling is to be beneficial, from a working capital perspective, the minimum cash required in the pooled account will be significantly less than the aggregate cash required by the separate companies.
[0013] For the purposes of illustrating the invention, there is shown in the drawings a form which is presently preferred, it being understood however, that the invention is not limited to the precise form shown by the drawing in which:
[0014]FIG. 1 illustrates an example of historical cash balances for a hypothetical sales company over a calendar quarter;
[0015]FIG. 2 depicts the right the historical data of FIG. 1, plotted as a statistical distribution;
[0016]FIG. 3 illustrates a Normal distribution, including an indication of the standard deviations; and
[0017]FIG. 4 is a system in accordance with the present invention.
[0018] In a preferred embodiment of the method of the present invention, it is assumed that the volatility of cashflows in an entity follow a Normal distribution. That is, statistical analysis of short term cash flows will show that they approximate to a standard bell curve. FIG. 1 illustrates the historical cash balances 100 for a hypothetical sales company over the third quarter of a calendar year. In FIG. 2, the historical data from FIG. 1 has been plotted as a statistical distribution 200. A Normal distribution 210 is superimposed on this distribution 200. The Normal distribution 210 has the same statistical characteristics, (the same mean and standard deviation) as the statistical distribution 200.
[0019] As can be seen from FIG. 2, the historical data for the company's cash balance approximates to the Normal distribution 210, but in this case it is slightly skewed because the particular hypothetical company was building cash over this period. In the steady state, most companies show an even better fit to the Normal distribution than is illustrated in FIG. 2.
[0020] Where a company's cash levels can be represented by a Normal distribution, some reasoned assumptions about their cash levels can be made based on the characteristics of this distribution. One of the key assumptions concerns the width of a normal distribution. FIG. 3 illustrates a Normal distribution 300. Ninety nine percent of the area of the Normal distribution 300 lies within 2.3 standard deviations 320, 330 of the mean 310. In other words, 99% of measurements in a Normal distribution are within the areas bounded by the mean 310 plus or minus 2.3 standard deviations 320, 330. In the example above the mean (average) 310 cash level is zero, and the standard deviation is S 320, 330.
[0021] When the Normal distribution 300 represents the cash balance of a company, this means that the company will need to plan to have a cash balance each day of 2.3 times their standard deviation 320 in order to be sure of having enough cash to fund the operational uncertainties of the corporation.
[0022] In the present invention, it is assumed that there exists a group of related companies (e.g., divisions, subdivisions . . . ) each with their own accounts. Assuming there are 'n' different affiliates, the cashflows in each of the n accounts approximate to a Normal Distribution.
[0023] One of the first steps undertaken in the method of the present invention is to determine the minimum cash balances required by the n separate companies, prior to pooling. The cash balances of each of the n affiliates is different, and has different characteristics. These characteristics are be represented as follows:
Average (Mean) cash balance=A(x)
Standard Deviation=S(x)
Number of entities=n
[0024] On any given day the minimum cash with which the company can operate is:
[0026] The next step in the process is to determine the minimum cash balance required in the pooled account. Once this same group of n companies engaged in some sort of pooling mechanism, the balances would be consolidated each day. In this case the characteristics of the consolidated cashflows would still approximate to a Normal distribution with the following characteristics:
Average (Mean) cash balance={A(1)+A(2)+ - - - +A(n)}
[0028] The minimum cash level required to fund the operation of the n companies using the single pooled account each day are now given by:
Minimum cash level=2.3�{square root}Σ{S(x)^ 2}
[0029] And the reduction in minimum cash level from the n separate accounts and the single pooled account is given by:
Reduction in min. cash level=2.3�[{Σ{S(n)}−{square root}Σ{S(x)^ 2}]
[0030] This reduction in the minimum required operational cash is a benefit of pooling that has been completely overlooked by the prior art. Very few treasurers would regard cash as being working capital. Indeed many financial institutions, when analyzing company balance sheets, deliberately exclude cash from the working capital equation. What the present invention clearly shows however, is that there is a minimum cash level for every company, determined by the volatility (standard deviation) of it's cashflow, below which a company must not allow it's cash to fall. Treasurers and cash managers instinctively know what this level is, and will always plan each day to have this much cash in case of uncertainties. As shown above, though, this 'seat of the pants'method of operation will mean on average, however that too much cash is 'tied up'in the business. Multiplied across all the entities of a group this amounts to:
Minimum cash level (without pooling)=2.3�Σ{S(n)}
[0031] However when a company pools the individual balances of the entities together the minimum cash level reduces to:
Minimum cash level (with pooling)=2.3�{square root}Σ{S(x)^ 2}
[0032] It is useful to note that this reduction in the cash required is in no way related to the average cash balances of the companies involved and is not affected by their cash being positive or negative. Also, this method does not negate the interest savings which would be measured using the traditional pooling benefit determination. The working capital benefit can be considered as additional to the interest gains.
[0033] A simple example of the benefit of the method of the present invention will serve to show just how much value (cash being released from the business) has been created by pooling.
[0034] To keep the determinations simple, let us assume we have a corporation which consists of ten individual affiliates. Each of these affiliates has an average cash balance of $10 million. As described above though, day to day, the cash balances are subject to uncertainty (volatility, standard dev.=$1 million).
[0035] Therefore, without pooling, the ten entities combined must hold cash balances of $23 million.
[0036] If the entities are pooled then the distribution would again approximate to a normal distribution as described above where:
[0037] Therefore, the method of the present invention clearly shows that the minimum planning level of cash required to keep the business liquid is reduced from $23 million to $7.27 million as a result of pooling. A release of cash, or a reduction of working capital of $15.7 million. As a consequence of pooling, volatility and uncertainty is reduced overall, with the average standard deviation moving down from +/−10 million to just +/−3.16 million. This reduction has benefits in terms of both cash forecasting and planning. Neither of these benefits were taken into consideration with the traditional pooling benefit analysis of the prior at.
[0038] Furthermore, in conjunction with the prior art methods, it can be shown how the interest expense of the pooled account is reduced, while at the same time we showing how the working capital required to run the business is also reduced. This action affects both the denominator and numerator of the Return on Assets equation by increasing profit and reducing assets. By using the method of the present invention of measuring the pooling benefit alongside the traditional method it can be demonstrated and quantified that pooling has a double multiplier effect on this key profitability ratio. FIG. 4 illustrates a system 400 according to the present invention. Users (typically clients of a bank) who are interested in performing the method of the present invention can use their user terminals 410 to access information processor 440 through a network. In a preferred embodiment, the user terminals 410 are personal computers, the network 420 is the Internet and the information processor 430 is a server hosting a website for performing the method of the present invention (note, the term website will be used interchangeably with the information processor 430).
[0039] Users log onto the website 400 using name and password. New users register their logon details and be assigned a password. Input of data by the users is a two stage process. The first stage is to identify the name, currency and number of balance records for each of the accounts, and the second stage is to input the daily balance data for each of the accounts the user is intending to pool. Input is preferably typed directly into a familiar spreadsheet format, but can be copy/pasted from another spreadsheet or Electronic Banking system. Data input by the user is stored in database 440.
[0040] The data required to be input by the users includes: the number of accounts to be pooled (n); a time series of consecutive daily balance data for each of these accounts for a representative period (up to 3 months); the currency of each data set; interest spreads for each individual account; and the pooling interest spread.
[0041] Once the data has been input by the user, the information processor 430 executes the above described method in order to determine: the stand deviation of each data set (s); the mean of each data set (m); the 'R-squared' of each data set versus the best fit distribution. The processor 430 then determines whether the number of data elements (sample size) in each data set is statistically significant. Finally, the processor determines the reduction in volatility (ΔS) which, as described above is the square root (sum of squares of std deviations) less the sum of std deviations.
[0042] Optionally, the information processor 430 can perform the calculation of the spread saving in accordance with the traditional pooling benefit analysis.
[0043] As an output, the processor 430 produces a graphical representation of each data set (as seen in FIG. 1 above) and graphical representations of the statistical distribution of each data set overlaid with the best-fit distribution (as seen in FIG. 2 above). In addition to the presentation of the graphical representations, processor 430 also outputs a textual summary of the characteristics of each data set (s, m, Best-fit distribution, R squared) in original currency and in euros if desired. Finally, processor 430 textually provides a summary of the pooling benefit including the liquidity benefit, the interest benefit (optional) and an estimate of the accuracy (applicability) of the technique.
[0044] Although the present invention has been described in relation to particular embodiments thereof, many other variations and modifications and other uses will become apparent to those skilled in the art. It is preferred, therefore, that the present invention be limited not by the specific disclosure herein, but only by the appended claims.
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Tom Clancy's Splinter Cell Walkthrough :
This walkthrough for Tom Clancy's Splinter Cell [X-BOX] has been posted at 05 Apr 2010 by BLOODY KILLER # 2 and is called "FAQ/Walkthrough". If walkthrough is usable don't forgot thumbs up BLOODY KILLER # 2 and share this with your freinds. And most important we have 5 other walkthroughs for Tom Clancy's Splinter Cell, read them all!
Walkthrough - FAQ/Walkthrough
______ __ ' || ' _ _ _ /|\| | _ _ _ , _ || / \ | | | || | '_| | | / ` \/ (_` || \_/ | | | \|/| | (_| | | \_. _/ ._) ________ ________ _ _ __ _ _________ _______ ________ / ____ \| ____ \| | | || \ | ||___ ___|| _____|| ____ \ | (____'-'| | ___) || | | || . \ | | | | | |____ | | ___) | \______ \| ||_____/| | | || |\ \| | | | | ____| | ||___ / .-.____) || | | |____ | || | \ ' | | | | |_____ | | \ \ \________/|_| |______||_||_| \__| |_| |_______||_| |_| _________ __ ______ __ __ ,' ________| | ||______| | | | | | / | |______ | | | | | | | ______| | | | | | \________ | |_______ | |_______ | |_______ `._________| |__________| |__________||__________| _______________________________________________________________________________ +-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-% Tom Clancy's: Splinter Cell FAQ/Walkthrough By: DarkTyranitar18 firstname.lastname@example.com Version 1.0 -- 02.22.06 Copyright (c)2006 DarkTyranitar18 +-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-%-+-% ������������������������������������������������������������������������������� Search Navagation ----------------- To quickly find a section you are looking for, hold the CTRL key and press the F key to bring up a search string and type in any key words in the Table of Contents (listed below). For Mac users, use the command key in place of the control key. It should help you navigate your way through this huge guide a lot quicker. ------------------------------------------------------------------------------- @--- Table Of Contents ---@ >-----------------------------------------------------< 01. Introduction.................................(0100) 02. Version History..............................(0200) 03. Basics.......................................(0300) 3.01~ Controls.............................(0301) 3.02~ Basic Tips...........................(0302) 04. Walkthrough..................................(0400) 4.01~ Mission 1............................(0401) 4.02~ Mission 2............................(0402) 4.03~ Mission 3............................(0403) 4.04~ Mission 4............................(0404) 4.05~ Mission 5............................(0405) 4.06~ Mission 6............................(0406) 4.07~ Mission 7............................(0407) 4.08~ Mission 8............................(0408) 4.09~ Mission 9............................(0409) 05. Weapons and Gadgets..........................(0500) 06. Items and Goggles............................(0600) 07. FAQ..........................................(1600) 08. Conclusion...................................(1700) 8.01~ Credits..............................(1701) 8.02~ Copyright............................(1702) ------------------------------------------------------------------------------- _______________________________________________________________________________ --------------------------------------------------------------------------- 01. Introduction (0100) --------------------------------------------------------------------------- ������������������������������������������������������������������������������� You are Sam Fisher, activated operative of top-secret government organization Third Echelon. CIA agents Blaustein and Madison have gone missing in the Georgian capital of T'Bilisi, and your job is find the missing agents and assess the situation. You are to leave no trace of your existence on the physical or political map. If you are found, your existence is denied. You are a Splinter Cell. Splinter Cell is one of the year's most anticipated titles and with good reason. Its revolutionary lighting system, in-depth story, and detailed gameplay puts Splinter Cell in the upper (excuse the pun) echelon of stealth-based action games. One of the things to note about this game is that every obstacle you come across can be approached in a different manner. The walkthrough found in this guide proposes only one of many different ways to tackle a situation. There is no right way to play this game so try every approach you can think of - You may be surprised at what works! Get ready to play through one of the best games of the year. Remember to move silently, stay in the shadows, and don't forget to hide those bodies! Realism is the key here, so think like a Splinter Cell and do your country proud. _______________________________________________________________________________ --------------------------------------------------------------------------- 02. Version History (0200) --------------------------------------------------------------------------- ������������������������������������������������������������������������������� Version - 1.0 [February 22st, 2006] ----------------------------------- The first complete version of this FAQ. Submitted with the whole walkthrough complete along with the list at the end of the guide. Enjoy it. 144 KB ------------------------------------------------------------------------------- _______________________________________________________________________________ --------------------------------------------------------------------------- 03. Basics (0300) --------------------------------------------------------------------------- ������������������������������������������������������������������������������� This section covers all the very basic things about playing Splinter Cell. It includes the basic controls and bsic tips for people who need some and are having some difficulty. O=============================================================================O | 3.01~ Controls (0301) | O=============================================================================O (L) = Left (R) = Right (C) = Click Down (Yx2) = Double Tap Y .-----------------------.-----------------------------------------------------. | o Left Thumbstick | Moves Character, Move Cursor and Control Fire (C) | |-----------------------+-----------------------------------------------------| | o Right Thumbstick | Move the Camera | |-----------------------+-----------------------------------------------------| | o D Pad | Activate Night Vision Goggles(L)/Thermal Vision (R) | |-----------------------+-----------------------------------------------------| | o A Button | Confirms selection/Action button | |-----------------------+-----------------------------------------------------| | o B Button | Crouch, Roll, Soft Landing and Raise Legs on Pipe | |-----------------------+-----------------------------------------------------| | o X Button | Use Weapon | |-----------------------+-----------------------------------------------------| | o Y Button | Jump or Split Jump (Yx2) | |-----------------------+-----------------------------------------------------| | o L Trigger | Hold breath when Snipering and use Secondary Fire | |-----------------------+-----------------------------------------------------| | o R Trigger | Close Attack, Fire Weapon and to use an Item | |-----------------------+-----------------------------------------------------| | o Start | Access OPSAT | |-----------------------+-----------------------------------------------------| | o Back | Control Map | |-----------------------+-----------------------------------------------------| | o Black Button | Access to Inventory | |-----------------------+-----------------------------------------------------| | o White Button | Reload a Weapon or Lean Against a Wall | '-----------------------'-----------------------------------------------------' O=============================================================================O | 3.02~ Basic Tips (0302) | O=============================================================================O We will cover tactics for individual missions in the walkthrough section of this guide. However, here are some rudimentary tips that will help keep you safe right off the bat: � Always crouch when moving around. You still move pretty quickly, and you never know when there is an enemy around to hear you moving those sexy legs of yours. � Spare your ammo. Additional ammo is hard to come by, so only shoot the lights and enemies that you have to. It really sucks to get close to the end of a level with zero bullets left, only to find out that you have to shoot out some lights. � Always hide bodies! This is very important in this game. Not only can bodies in the open be found, but if unconscious bodies are woken up, you'll have that many more enemies to deal with. If you can't find a dark place to put the body, try shooting out some lights to create shadows. � Your items and weapons don't carry over between missions so don't be afraid to use them. � Use the camera to look around corners and other hard to see places. You'll be surprised how much you can see just by rotating the camera around. � Get familiar with the different sounds in the game. Knowing when a security camera or gun turret is near is crucial to your success. � There are a lot of cans and bottles lying around that you can use as distractions, but if you come to situation where you need a distraction but there aren't any bottles or cans around, most of the time you can just jump up in the air and it will create enough noise to lure a guard. � Utilize all three save spots you have available, continuously cycling through them each time you save. There are some situations where you might want to start from an earlier point and the only way to do that is to use another save spot. � Be patient! There are many times where you will have to sit in a spot doing nothing, or other situations where you will fail consistently, but don't lose your cool. You'll only want to get through it quicker the next time and end up doing a sloppier job. Patience is key. _______________________________________________________________________________ --------------------------------------------------------------------------- 04. Walkthrough (0400) --------------------------------------------------------------------------- ������������������������������������������������������������������������������� NOTE - This walkthrough (and FAQ) is made for the Xbox version of the game, Splinter Cell. There is not much difference in gameplay though. I just wanted to let you know ;) O=============================================================================O | 4.01~ Mission 1 (0401) | O=============================================================================O Tutorial Level -------------- Go through the training. It will help you. If you can't make it past this level, there is no hope for you for the rest of the game. Learn your moves and learn them well. ------------------------------------------------------------------------------- Mission 1 � T'Bilisi Old Town � T'Bilisi, Georgia � October 16th, 2004 � 20:01 Hours As soon as you appear in the courtyard, head over to your right and up the steps to the porch. Right in front of you should be a ladder. Jump up and climb the ladder to the roof. Ahead of you, near the brick wall is a trap door. Open it and jump down into the hole. Crouch down and work your way through the passageway, and then climb up the ladder in the corner of the room. You'll end up on a platform in between two buildings. See that zipline headed for the burning building? Yes, that's right, you're gonna have to grab that and slide down into the building. Once you land in the room, head over to the right and open the door. Step into the room straight ahead of you to set off the pre-scripted scene, and then make your way down the hallway. Enter the room on your left to make your way past the fire, and head for the stairwell. When you reach the bottom, enter the doorway that leads to the hallway with the burning floor. What do you do whenever you see a burning floor? You jump up and grab the pipe above you of course! After shimmying your way over the busted floor, head to your left to the doorway. In the upper left-hand corner of the room is a doorway you can go through. Go through this door, as well as the one immediately to your right. You should be at another stairwell. Head up the stairs and out the door into the hallway. Go through the door on the left side and talk to the dying contact lying by the fire. After you're done, open the door to your right and equip your gun. Shoot out the skylight in the room directly across from you to let all the smoke out of the room. After the smoke has cleared, open the door on the right wall and save your game. Open the door and head over to the break in the fence. You can shoot out the light in the ceiling to keep things dark, but it's not necessary. Remember, whenever you are running around, always try to be crouching. It really helps cut down on the noise you make. Anyways, as I was saying, once you get to the break in the fence, jump over to the balcony right across from you and start moving to your right, towards the plant-covered fence. There's a guy on the other side of this fence so be bewy, bewy qwiet. Duck down and shoot the guy who was talking on his phone. Shoot him in the head for a quick kill. Right after you take him out, aim for the door of the house. Someone will open the door and come out to investigate. Stay in your position and try to kill this guard as soon as he opens the door. You could try and knock out the cell phone guy, but the other guard will always come out and see you, so just kill them. Also, you can shoot out the lights in front of the house if you want, but as long as you take him out quickly, there's really no point. Head into the house and interact with the computer immediately to your left. You will pick up a data stick with an email on it. Make your way through the house and stop by the bathroom to pick up the med kit. Next, head to the messy room in the back and interact with painting on the same wall as the doorway. Use the computer to pick up another data stick. After the pre- scripted conversation is over, head over to the keypad by the closed door. The code is 091772. Head out the door and look to your left. See that zipline above your head. You know what to do whenever you see one of those, right? Crawl onto the balcony ledge so you can get enough height when you jump to reach line. After you've made it to the roof, open the door that's on your left and look at the wire holding the elevator. Jump forward to grab it and then slide all the way down to top of the elevator. Under you is a trapdoor you must open. After opening it, hop down and walk into the next room. Since you are the master of unlocking, walk over to the door and use your lock pick to get the door open. After you've unlocked the door, shoot out the light directly above the doorway, and the one on the wall around the corner. The light around the corner is really bright, so finding the bulb may be a little difficult. If you look closely, you can see a small fixture where the bulb is attached. Use this as a guide for finding the light bulb. Now slowly head down the stairs and find a can on the right side of staircase. Pick it up and throw it down the staircase to attract one of the two guards to the staircase under the colored lights. Move behind the tree then sneak up behind him and knock him out with a quick elbow to the head. Grab another can (there are two besides the stairs) and do the same for the next guard. Make sure you move the first body away from the staircase before attempting to lure the second guard. If the second guard sees it, he'll call for help. After you've taken out the two guards interrogating the man in the chair, there is another guard to worry about. If you look at the balcony wall ahead of you, there is another guard on watch. To take care of him, first shoot out the light above the guy sitting in the chair, then head down the stairs under the colored lights. Underneath the staircase is a glass bottle. Grab it then head back up the stairs. Throw the bottle against the wall to make the guard come investigate. When he does, knock him out. Alternatively, you can shoot out the lights around the corner, which will also lure the guard down and also make it easier to knock him out since it will be darker. Head down the alley and up the stairs that are on your left side. You'll find a doorway looking into a courtyard-like opening. In the far corner ahead of you, beneath the balcony of the building is a group of bushes. Behind them is a small tunnel you can go through. On the other side, pick up the two med kits on the walls, and then use the computer to pick up another data stick. Head back through the tunnel, but be careful of the guard waiting in the courtyard. Either avoid him or wait until his back is turned and then knock him out. You'll notice the gate next to the bushes is now open. Head through the gate and slow down as you approach the edge of the wall on your right side. When you get close enough, a man will walk around the corner so stay in the shadows and knock him out when he walks past you. Head down the alley on the left and when you come up to the right turn, wait in the shadows for the patrolling guard to walk by. As he does, knock him out and interact with his satchel. You'll receive another data stick. Continue to head down the alley until you see another open gate on your right side. Be careful and stay in the shadows because another guard will walk around the corner and through the gate. After he passes, the guard the will be waiting around the corner looking in your direction. Since you're not going to get anywhere by going that way, climb up the pole on the right that leads to the top of the wooden fence structure. Creep your way across the roof and when you get to the edge, line yourself up so that when you jump down you'll squash him like a little Goomba. Now go hide his body somewhere that's dark and spooky. After you've hidden the body, head straight towards the dumpster where the big star is on the brick wall. Climb on top of the dumpster, and then do a wall jump to reach the top of the wall. Save your game, unless you're feeling especially daring. After you've saved your game, follow the wall on your left and head for the stairs. At the bottom will be a door with a keypad. Luckily, you picked up that last data stick. If you take a look at it, it will tell you that the keycode is 5929. Punch it into the keypad and open the door. There will be a guard patrolling the hallway, so be quiet. Find a place between two cells where you can pull off a split jump, and then wait in position as the guard comes back through the hallway. When he's under you, drop down and take him out. Then pick up his body and head for the door on the left side of the wall. It will open automatically, so don't worry about dropping the body to open it. Once inside, dump the body and interact with the computer. Once you've got the data stick from the computer, head out the door and down the hallway. There's a door on your left side, but don't open it. Use your optic cable if you want to see what's inside. Follow the wall on the side with the glass so the person inside doesn't see you. You are crouching, right? When you come up to the automatic sliding glass door on your left, go inside and maneuver yourself around the room to the door on the other side, making sure the lab guy doesn't see you. Before going into the door, interact with the computer near the door to pick up another data stick, and then head for door. Hear that whirring noise? That's the security camera in the upper left corner of the room. Shoot it out and move towards the bodies. If you're out of bullets, you'll have to do some fancy running around to trigger the next objective without being seen by the camera. Just try and get as close to the bodies without being seen. After you get your next objective, pick up the medkit on the wall and head out the way you came in, avoiding the lab guy one more time. Take a left when you get out to the hallway and go through the door and up the stairs. Save your game. Open the door at the top of the stairs and wait until you hear the two people start talking. Then hug the wall to your right and follow it around the room. Skip the first door and keep hugging the wall until you reach an automatic door. When it opens, go inside and head up the stairs. Save your game again. Now hug the wall to your right and sneak past the two guards sitting at their desks looking bored. Open the second door on your right and go in. Nice shadow, don?t you think? Don't be afraid of it. Just quietly go through the curtains and knock out the guard from behind. Search his satchel to get another data stick then interact with the computer. After you get your next objective, head out the way you came in past the guards at their desks, down the stairs, and through the automatic door. Once you're back in the lobby, stay close to the wall on your left and make your way up to the door at the front of the lobby. Open it and walk towards the chicken van. That's it! O=============================================================================O | 4.02~ Mission 2 (0402) | O=============================================================================O Mission 2 � Georgian Defense � Ministry, T'Bilisi, Georgia � October 16th, 2004 � 23:01 Hours You start out this level on a rooftop. While listening to your next objective, why don't you take a look at the beautiful clouds slowing moving through the sky. Nice, isn't it? After Lambert is done talking, walk up to the little metal chimney pipe and interact with it to start rappelling down the wall. When you reach the window, press Y to hop inside the building. It might be a little dark here, so why don't you put on your night vision goggles. Slowly walk up to the edge of the bookshelf and wait as the guard heads your way. He'll look for a book on the shelf then make his way back to his desk. After he's sitting back down, sneak up behind him and grab him. Drag him over to the shadows and then knock him out. After you've done that, pull out your gun. There's a camera on the right wall that you'll want to shoot out before doing anything else. Walk up to computer and use it to get another data stick. Once you've got the data stick, switch off the light and open the door. Remember, why shoot out a light when you can save a bullet by using the switch. Anyways, once you've opened the door, position the camera so you that you can see the two guards on the other side. While the one patrolling is walking the other way, head over to the door on the left wall and go inside. Head up the stairs first to pick up a medkit. After you've filled your pockets with all the goodies, head back down the stairs to the entrance. This time, head down the stairs. When you hear the whir of a camera, make your way slowly around the corners until you see the camera. Shoot it out while you are still one staircase above it. Do the same with the next camera. At the bottom of the stairwell you'll see a door. Head towards it and save your game. As soon as you open the door, shoot out the camera on the right wall. After you've done that, head left and hug wall on your left side. Stay in the shadows and make your way all the way around the parking garage. It's kinda dark here so use your goggles if necessary. When you reach the area where the cars are at, you'll hear/see another camera. It can't see you if you're in the shadows so save your bullets and leave it alone. When you reach the car with its lights on, turn the corner and you'll find the driver in the shadows relieving himself of all that Gatorade he drank during dinner. Be sure to have your night vision goggles on, or you won't be able to see him in the dark. Sneak up behind him and interrogate him. After he's done talking, knock him over the head with the butt of your gun. Backtrack to the door where you entered the parking garage. Be sure to stay in the shadows because there will be a guard waiting at the door. Sneak up behind him then knock him out. Head back up the stairs to the door where you first entered the stairwell. Open the door and use the camera to view the guard on the other side of the door. Slowly sneak up behind him and drag him to the shadows so you can knock him out. Head down the hallway to the door on the right. Open the door but don't walk in. Instead, look straight up to see a camera. Shoot it out before heading in. Once in the room, use both computers and pick up the data sticks. While doing so, take a look at the nice graphical detail in the room. There's the moving fan, the smoking cigarette, and the piece of paper on the desk reacting to the blowing fan. Very nice. After you're done looking around, head over to the door and use your lock pick to open it. Save your game. See that window that just opened? That's where you want to go. Head out the door onto the balcony, then turn left. Climb onto the balcony railing then face the wall. Jump up to grab the pipe, then shimmy yourself to the right until you reach the open window. Press jump to hop in. Pick up one of the bottles on the table to your right, then wait for the conversation to end. Once the guard leaves, throw the bottle into the doorway on your left to lure the cooks away. Once the cooks move towards the freezer, head for the door and go through it. A guard will come patrolling by and try to turn on the light switch. Knock him out quickly while staying to the shadows. Leave the cafeteria and then take a right towards the stairs. Very quietly walk down the stairs and sneak up behind the guard between the pillars so you can knock him out. After doing so, head slowly down the stairs on the left side. Once you reach the bottom, make a quick left around the staircase and sneak up behind the guard at the computer. Grab him, then drag him over to the shadows before knocking him out. After taking out the guard, use the computer to deactivate the laser grid. Head back into the shadows and wait for the colonel to sit down at the computer. When he does, sneak up behind him and grab him so you can drag him over to the retinal scanner on the wall behind you. If the guard ahead of you sees you, just make sure the colonel is in front of you. As long as the colonel is blocking the guards shot, he won't shoot and will eventually go back to his position like nothing happened. Dumb guards. Alternatively, you could take him out after knocking out the guard by the computer, but before using the computer. After you've used the colonel to open the door, knock him out and search his satchel to receive another medkit. Open the door and save your game. As soon as you open the door, head towards the wall in front of you. Around the corner will be camera, so use your camera to see when it is looking the other way. When the security camera is facing left, run over the right side of the camera and shoot it out. Equip your laser mic and open the door to see the two men enter the glass elevator. Aim your laser mic at the elevator and follow it as it makes its way to the top of the building. A red square means you're getting a good signal. After you're done listening in on the conversation, head to the right and follow the wall until you reach the wooden fence material attached to the wall. While making your way to the fence, be sure to avoid the three guards that are patrolling the courtyard. Jump up to grab it, then start climbing up and to the left towards the open window. Climb into it and drop down. Save your game. As soon as you finish saving your game, someone will start coming down the elevator. Quickly head through the door to the left of the elevator to hide from the guards coming down. Inside the closet, pick up the disposable lock pick and use your optic cable to see the patrolling guards. When they pass by, open the door and quickly make your way into the elevator. Access the controls and press the up button. On your way up, make sure to turn up the volume so you can soak in the relaxing elevator music. Once you reach the top, save your game. Right after the elevator door opens, take a left and stay close to the left wall. There is a security camera on the other side of the coke machine and it wouldn't be too good if it saw you. Equip a disposable pick and open the first door on your left. Inside the office, use the computer to receive another data stick, then jump on top of the desk. Face the clock on the wall and then jump up to grab edge of the duct opening. Climb into it and drop down into the hallway on the other side. As soon as you drop down, look towards the far wall and you'll see a security camera. Take out your gun and do the usual. After turning the camera into a toaster, head into the very first door on your left. Go ahead and be a rebel by turning on the light. Inside you'll find a medkit and some more ammo. After grabbing the goods, head up the ladder and open the trap door to reach the roof. Head between the two skylights towards the metal stovepipe and save your game. Interact with the stovepipe to rappel down the side of the building. While above the glass window, make sure the guard inside the room has his back to you before pulling out your pistol and shooting him in the back. After shooting him, your bullet should also break the glass so you'll automatically hop into the office. Run up to the dead solider and search is satchel for a frag grenade, then use the computer on the far end of the room by the wall. After using the computer, use the other computer closer to the window. After using it, three guards will start heading for the room. Slowly walk out the broken window so that you grab the edge and hang. Keep hanging off the edge while the three guards search the room. After they've left, climb back into the office and use the computer again to finish transferring the files. Listen to the dialogue and head out the door. Save your game. After saving your game, take a left outside the door and go through the open door on the left. Head down the stairs, picking up the medkit at the bottom. Go through the door and then run across the roof to the elevator shaft on the other side. Jump into shaft to grab the pipe in the center and slide all the way down. When you can't slide down any further, jump down and head left through the parking garage. Talk to Junior to end the mission. O=============================================================================O | 4.03~ Mission 3 (0403) | O=============================================================================O Mission 3 � GFO Oil Rig, Georgian � Waters, Caspian Sea � October 27th, 2004 � 09:38 Hours As soon as you start the mission, climb up the ladder to the very top and walk to the top right area where the pipes are. Head straight until you cannot go any further, then jump up and grab the pipe overhead. Press the crouch button to bring your legs up and make your way over the barrier. On the other side there will be a large wall blocking your path. To get past it, slowly walk off the right side of the pipe you're standing on and grab onto the edge so you can shimmy your across the pipe, past the wall. Climb back up onto the pipe and duck under the low wall. On your right, you should see a small platform. Walk onto it and then look up at the zipline above you. You remember what to do right? Jump up and take a ride down to the next platform. On your way down, there'll be a big explosion. Don't worry about it. Just enjoy the pretty lights on the way down. Sam will fall off the line and grab the edge of the platform. Pull yourself up and duck under the pipe to the left. Climb up the pipe you and watch as Sam shows you what great upper-body strength he has. He doesn't even need to use his feet! What a man. Step off onto the big red pipe and look at the hole where all the oil is flowing. You know what this means don't you? Even though you just took a nice, hot shower, you still have to jump down into the black stuff and get yourself a little dirty. It's ok though - some girls like that sort of thing. Once you've made it to the end, look at the pretty load screen and save your game. The first thing you want to do now is climb up the ladder and open the trap door. Once out, head towards the ladder on the right and climb all the way to the top. Step off onto the catwalk, turn around, and head to the big box where the sparks are flying. Climb onto the box and jump up to grab the pipe overhead. Bring up your legs and make your way all the way to the other end, then wait for the guard to walk under you. When he does, drop down on top and of him and squish him like the little bug he is. Head down the catwalk up the stairs, but make sure not to run all the way up. There will be guard who will turn around and look towards the stairs before continuing on his path. After the coast is clear, slowly head up the stairs and wait for a guard to come running in from the left. When he comes out, take him out with your gun, and then head down the hallway the guard appeared from. Don't walk too fast because you'll run into the people you're following. Take your time and save your game when it asks you to. Now around the corner will be some guards watching the door. Interact with the big water tank to your right to lure the guards over to your position. Run back around the previous corner and wait for the guards to appear. When they do, take them out. Now head over by the door they were watching and crouch under the window. Just wait until the technician and guards walk past, then head around the corner by the flames on the right side. Save your game. Stay to the left to avoid the flames and soon there will be a big explosion. After Lambert is done talking to you, jump onto the big box on your right side. If you look up, there will be a pipe that you can use to shimmy your way into the building through the busted window. Once in, watch the short cutscene and then drop down on the side of the shelf that the guard is not on. While he's busy shooting the computers, run up behind him and knock him out. Head out the door and up the stairs. There will be another cutscene before you take control again. Slowly head towards the top of the stairs and look up on your left side. There will a soldier on a raised platform. Shoot the barrel next to him to take of him, then wait as another guard will appear in front of you at the top of the stairs. Put a few pieces of lead into him, then head straight ahead and to the right. Head down the stairs to your left, but wait when the stairs turn around. There will be a guard running back and forth that you need to kill. When he pauses, take him out. Go down the rest of the stairs and go through the door on your left. Save your game. Walk towards the next door and wait for the explosion. The door ahead is locked, so pull out your lock pick and do your magic. Once through the door, there will be a very short hallway and another door. Open it, then follow the hallway until you see the ceiling ahead cave in, forcing you to go right. Once you turn the corner, you'll see the technician running away like Chris Carle does whenever he sees a pretty


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The disparity in American spending on AIDS and the big child killers -- pneumonia and diarrhoea -- remains stark. Experts agree there is tremendous potential to lower child deaths from diarrhoea and pneumonia substantially. All the attention has gone to more glamorous diseases, but this basic thing has been left behind, says the chief of health at UNICEF.
Diarrhoea kills 1.5 million young children a year in developing countries -- more than AIDS, malaria and measles combined -- but only four in 10 of those who need the oral rehydration solution that can prevent death for pennies get it.
"All the attention has gone to more glamorous diseases, but this basic thing has been left behind," said Mickey Chopra, chief of health at UNICEF, which is trying to put diarrhoea back on the global health agenda. "It's a forgotten disease."
His observation lies at the heart of a wider debate over whether the United States and other rich nations spend too much on AIDS, which requires lifelong medications, compared with diarrhoea and the other leading killer of children, pneumonia, both of which can be treated inexpensively.
The debate is flaring at a time of great opportunity and risk. Recent data has documented remarkable progress in reducing child mortality and treating people with AIDS. Foreign assistance, which has often delivered disappointing results, is helping save millions of lives, the new figures show.
But as the United States and other rich nations hit by the global financial crisis face their own daunting challenges, there is heightened competition for foreign assistance. President Barack Obama has proposed a 2 per cent increase in HIV/AIDS spending for 2010 and a 6 per cent rise for maternal and child health, according to the Global Health Council, but the disparity in American spending on AIDS and the big child killers remains stark.
In Africa's two most populous nations, Nigeria and Ethiopia, the number of people who died of AIDS in 2007 -- 237,000 -- was less than half the 540,000 children under 5 who died of pneumonia and diarrhoea. But this year, the $750 million the United States is spending on HIV/AIDS in the two countries not only dwarfs the $35 million it is spending there on maternal and child health, but is also more than the $646 million it is spending on maternal and child health in all the world's countries combined.
"AIDS is still underfunded, no question," said Jeremy Shiffman, a political scientist at Syracuse University who has documented global health spending patterns. "But maternal, newborn and child mortality is a tremendous tragedy and gets peanuts."
Dr. Ezekiel J. Emanuel -- a bioethicist, White House official and brother of Rahm Emanuel, Mr. Obama's chief of staff -- has contended that international aid for health is limited and would save more lives if increases focused on maternal health and the "mundane but deadly diseases" that kill young children. Such choices are necessary, he and a co-author wrote in the Journal of the American Medical Association in April, "if the United States is going to shoulder the burden of choosing which lives to save in the developing world."
Wrong-headed idea
Jeffrey D. Sachs, the Columbia University economist, countered that wealthy donors still spent far too little on global health and rejected what he called the wrong-headed idea that "we need to make a terrible and tragic choice between AIDS or pneumonia." The United States has invested heavily in the fight against AIDS, and other wealthy nations should pick up more of the cost of other global health priorities, he said. "Rather than tearing down what's working, we should continue to invest in what's needed," he said.
Mr. Obama has promised to put greater focus on child and maternal health and proposed a 53 percent increase next year in money to fight malaria, a major killer of African children, the Global Health Council estimated. But he has also committed to major increases in money to fight AIDS in coming years that, if enacted, would ensure AIDS remained America's global health priority, constituting over 70 per cent of its global health spending, he said.
International commitments to combat HIV and AIDS rose at an average annual rate of 48 per cent from 1998 to 2007, reaching $7.4 billion and making up almost half of donor financing for global health, according to Prof. Shiffman's analysis of data from the Organization for Economic Cooperation and Development.
Still, more than half the people with the disease who need drug treatment still are not getting it. Two million died in 2007, according to the Joint United Nations Programme on HIV/AIDS.
The toll of women and children who die of easily preventable or curable conditions is even higher. Pneumonia alone killed two million children under age 5, and diarrhoea 1.5 million more, out of the almost nine million young children who died last year.
Dr. Olivier Fontaine, who described himself as the only person at WHO working full time on childhood diarrhoeal diseases, said health ministry managers in poor countries know diarrhoea is a crucial cause of child mortality, but focus on other diseases that have gotten more attention and financing from abroad.
Two days after her month-old son's bout of diarrhea began, Marcia Mankense, 23, took him to a hospital here in Johannesburg where a doctor administered fluids through an intravenous line threaded into his scalp. Before his birth, she said, no one told her she should give him oral rehydration salts — known as ORS -- as soon as he got diarrhea, though she was counselled on the need to get tested for HIV. Nor did anyone give her a packet of the salts to take home.
"He's my firstborn and I know nothing about kids," she said, exhausted next to his crib after days of vigil. "I just feel like I need to be here for him. What if he's crying?"
Public health experts agree there is tremendous potential to lower child deaths from diarrhoea and pneumonia substantially. New methods of distributing rehydration salts and cheap zinc tablets, also recommended for diarrhoea, are being tested, including giving them away during national campaigns to hand out antimalarial bed nets and to vaccinate children against measles.
Popularise ORS
"Everyone should have ORS at home like we have Band-aids," Fontaine said.
For an extra $3 billion to $4 billion in coming years, children in poor countries could be inoculated against pneumonia and the rotavirus that causes about a third of diarrhoea deaths, according to the GAVI Alliance, a broad group of donors.
On the diarrhoea ward at the hospital in Johannesburg, most of the babies and young children had mothers patiently sitting next to their cribs, comforting them. But one little boy, 2 months old, was alone. His mother, a 10th grader, was at school. He had come in dehydrated, with sunken eyes, too enervated to even cry. But after being given fluids intravenously, life flowed back into him.
When he howled, a nurse or one of the mothers would look into his eyes. He would fall quiet, his cries muting to soft mewling, his eyes widening curiously.
"He wasn't even crying when he got here," Mankense said happily. "Now we can hear his voice. He's naughty!" — © 2009 The New York Times News Service


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WALLA WALLA — Vendors of handcrafted items are being sought by First Congregational Church for its annual Community Crafters Bazaar, which will be from 9 a.m.-5 p.m. Dec. 1 in the Fellowship Hall, 73 S. Palouse St.
There is space for 15 vendors. Table fees will be donated to the church's general fund to be used for programs. Nov. 11 is the deadline to reserve a space. For more information, call 509-876-7569.
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VIEWS: 7 PAGES: 2 CATEGORY: Press Releases POSTED ON: 2/28/2011 Public Domain
HAMILTON, Bermuda--(EON: Enhanced Online News)--(in English) ARGO GROUP ESTABLISHES BRANCH IN PARIS WITH APPOINTMENT OF MANAGING DIRECTOR BRUNO RITCHIE (in French) Le groupe Argo s'implante à Paris et nomme Bruno Ritchie Directeur Général. img border='0' title='Add to Google'
Argo Group Establishes Branch in Paris with Appointment of Managing Director Bruno Ritchie February 27, 2011 11:03 PM Eastern Time HAMILTON, Bermuda--(EON: Enhanced Online News)--Argo Group International Holdings, Ltd. (NasdaqGS: AGII), an international underwriter of specialty insurance and reinsurance products, announced today that Bruno Ritchie has joined the company to lead Argo Assurances, Argo Group's new Paris-based underwriting platform for large specialty risks. Argo Assurances will initially focus on insurance solutions for space and aviation clients worldwide. "We continue to expand our international footprint and underwriting business in specialties such as space and aviation," said Argo Group Chief Underwriting Officer Andrew Carrier. "We're very pleased to have Bruno join us to lead our growth in Europe from our new underwriting platform in Paris." Mr. Ritchie brings more than 16 years of experience in the fields of aerospace underwriting, business development and large risk underwriting strategy. As managing director of Argo Assurances, Mr. Ritchie will be charged with the creation of an underwriting platform based in Paris that will develop a portfolio of specialty risks for clients based in Continental Europe and throughout the world for certain specialty classes of business. The initial focus will be on insurance solutions for space and aviation clients, for which Mr. Ritchie will have group-wide responsibility. Argo Group added aviation to its international portfolio in October 2010 with the hiring of Richard Bayman as class underwriter in its Lloyd's operation. Mr. Ritchie's addition is further evidence of Argo Group's commitment to this specialist sector as aviation underwriting will now occur in both London and Paris. "We see significant advantage in having access to both the London and Paris markets as market cycle-related opportunities present themselves in the future," said Mr. Carrier. Most recently, Mr. Ritchie was the underwriting director of Hiscox's Global Risks European office in Paris. Prior to this position, Mr. Ritchie was a divisional underwriter with Hiscox Lloyd's Syndicate 33 in London, managing a portfolio of aerospace risks and professional indemnity risks for technology, media and telecom clients. Before that, he was head of aerospace underwriting with AGF, a unit of Allianz group, also in Paris. Mr. Ritchie has an MBA from HEC (école des Hautes Etudes Commerciales) school of management in Paris, a mechanical engineering degree from UTC (Universite de Technologie de Compiegne) and is a graduate of the CHEA (Centre des Hautes Etudes d'Assurances) in Paris. Mr. Ritchie can be reached in Paris at +331 5652 9479 or at email@example.com. ABOUT ARGO GROUP INTERNATIONAL HOLDINGS, LTD. Argo Group International Holdings, Ltd. (NasdaqGS: AGII) is an international underwriter of specialty insurance and reinsurance products in the property and casualty market. Argo Group offers a full line of high-quality products and services designed to meet the unique coverage and claims handling needs of businesses in four primary segments: Excess & Surplus Lines, Commercial Specialty, Reinsurance, and International Specialty. Argo's insurance subsidiaries are A. M. Best-rated 'A' (Excellent) (third highest rating out of 16 rating classifications) with a stable outlook, and Argo's U.S. insurance subsidiaries are Standard and Poor's-rated 'A-' (Strong) with a stable outlook. More information on Argo Group and its subsidiaries is available at www.argolimited.com. FORWARD-LOOKING STATEMENTS This press release contains certain statements that are "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, as amended. Such statements are qualified by the inherent risks and uncertainties surrounding future expectations generally and also may differ materially from actual future experience involving any one or more of such statements. For a more detailed discussion of such risks and uncertainties, see Argo Group's filings with the SEC. The inclusion of a forward-looking statement herein should not be regarded as a representation by Argo Group that Argo Group's objectives will be achieved. Argo Group undertakes no obligation to publicly update forward-looking statements, whether as a result of new information, future events or otherwise. Contacts Argo Group International Holdings, Ltd. Lisa Scannell, 617-478-5206 Corporate Communications email@example.com Permalink: http://eon.businesswire.com/news/eon/20110227005049/en
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ApplianceMaytag Dishwasher
Level of DifficultyEasy
Time to do repair15 - 30 mins
Age of Appliance5 - 10 years
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