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XI - Public Debt Management Developments During 2000-01 Central Government State Governments Institutional Measures Introduction 11.1 The Reserve Bank manages the public debt of the Central and the State Governments and also acts as a banker to them under the provisions of the Reserve Bank of India Act, 1934. While these functions become obligatory in the case of the Central Government (under the Sections 20 and 21), the Reserve Bank undertakes similar functions for the State Governments by agreement with the Government of the respective State (under Section 21 A). 11.2 All State Governments, with the exception of Jammu a nd Kashmir and Sikkim, had entered into agreements with the Reserve Bank for the purpose of both the aforesaid functions. These two States have agreements only for the limited purpose of the management of their public debt. Consequent upon the reorganisation of three States, viz., Bihar, Madhya Pradesh and Uttar Pradesh, the new States, viz., Jharkhand, Chattisgarh and Uttaranchal have also entered into agreements with the Reserve Bank, entrusting it the twin functions of public debt management and banking. Simultaneously, the ways and means advances (WMA) limits, the minimum balances which the States are required to keep with the Reserve Bank and the outstanding debt have been apportioned amongst the reorganised States as per the provisions of the respective State Reorganisation Acts. 11.3 The Central Government entered into an agreement with the Reserve Bank in 1994 to phase out the system of automatic monetisation of budget deficit through creation of ad hoc Treasury Bills within a period of three years. Accordingly, the system of deficit financing through the creation of ad hocs was abolished with effect from April 1, 1997. Under a new arrangement, a WMA scheme was introduced to facilitate bridging of temporary mismatches in the Central Government's cash flows. The growing market orientation of debt management policy has, in turn, placed increased emphasis on the timing, speed of response to market developments and in general, greater skills in active debt management. The objective of debt management policy is clearly emerging in terms of raising resources from the market at the minimum cost while containing the refinance risk and its consistency with the monetary policy objectives. The introduction of Primary Dealers (PDs) in 1996, with a view to developing the Government securities market is another important institutional development in the area of public debt management. Recognising the fact that liquidity in the Government securities market would narrow the bid-ask spreads and reduce the cost of borrowing, initiatives have been undertaken in recent years to consolidate loans and develop benchmark securities. Reissuance of existing loans has, over the past few years, facilitated the emergence of benchmark securities as also improved market liquidity for government paper. In order to reduce the refinancing risk, greater emphasis has been placed on managing the maturity structure of Government loans. 11.4 The WMA limits for the State governments, made effective from March 1, 1999 based on the recommendations of the Informal Advisory Committee on Ways and Means Advances constituted by the Reserve Bank (Chairman: Shri B.P.R. Vithal), were revised under the WMA Scheme 2001, effective February 1, 2001. The State Governments have adopted the auction system for raising a part of their market borrowings since January 1999. 11.5 Public debt management continues to be constrained by the large and growing borrowing programme of the Government, which exerts pressure on the absorptive capacity of the market. During 2000-01, the Reserve Bank continued its policy of combining auctions, private placements and open market operations with a view to minimising the cost of public debt, as also to contain volatility in interest rates, reducing the monetary impact of the Governme nt borrowing programme and supporting the monetary policy stance for a softer interest rate environment. The Reserve Bank had to moderate the pressure of the Government borrowing programme as well as the impact of the brief reversal of the monetary stance warranted by foreign exchange market volatility on interest rates. This was achieved by combining devolvements/private placements when money market conditions were tight followed by net open market sales when liquidity conditions improved. 11.6 Developments in public debt management during 2000-01, which are covered in the following sub-section, encompass movements in the WMA to the Central and State governments, issuance of treasury bills and movements in their yields along with improvements in operating procedures, issuance of dated securities and the strategy of passive consolidation through reissuances, the consequent impact on yields and maturity structure of debt. The sub- section on institutional measures, which follows, deals with the separation of function of debt management and monetary policy, the implications of the Fiscal Responsibility Bill for public debt management, changes in ways and means advances for States, prudential norms in respect of investments in State Government guaranteed securities, changes envisaged in the legal framework, the work of various groups in the area of public debt management and a medium- term perspective. DEVELOPMENTS DURING 2000-01 Central Government Ways and Means Advances 11.7 The arrangements in respect of the WMA to the Central Government and its rate of interest and the minimum balance required to be maintained with the Reserve Bank for the fiscal year 2000-01 remained the same as in the previous year. These were: (i) limits of Rs.11,000 crore for the first half of the year (April to September) and Rs.7,000 crore for the second half of the year (October to March), with the Reserve Bank authorised to trigger fresh floatation of market loans when 75 per cent of the WMA limit is utilised by the Government; (ii) the interest rate on the WMA at the Bank Rate and on overdraft at the Bank Rate plus two percentage points; (iii) the minimum balance maintained by the Government with the Reserve Bank at Rs.100 crore on Fridays and Rs.10 crore on other days; and (iv) limiting of overdrafts to ten consecutive working days. For 2001-02, the WMA limits have been scaled down to Rs.10,000 crore during the first half of the year and Rs.6,000 crore during the second half of the year. 11.8 The outstanding WMA availed by the Centre from the Reserve Bank, at Rs.5,395 crore, as at end-March 2001 was higher than Rs.982 crore, as at end-March 2000. The Central Government took recourse to WMA for the major part of the year except for a few days between August-September 2000 and December 2000 - March 2001. The surplus recorded was automatically invested by the Reserve Bank in dated securities from its own portfolio. The Government resorted to overdrafts (ODs) on seven occasions in the first half and on four occasions in the second half for periods ranging from 1 to 6 days (Charts XI.1, XI.2 and Table 11.1). During 2001-02 (up to August 8, 2001), the Central Government resorted to overdrafts on 8 occasions for periods ranging from 1 to 10 days. Treasury Bills 11.9 During 2000-01, the day of payment in respect of 14-day and 91-day Treasury Bills was changed from Saturday to the next working day. The notified amount for the fortnightly auctions for the sale of 364-day Treasury Bills was hiked from Rs.500 crore per auction to Rs.750 crore per auction from the auction on December 13, 2000 to gain the advantage similar to a floating rate loan, improve the volumes in the treasury bill market and facilitate the emergence of a benchmark rate. Table 11.1 : Overdraft (OD) Position of the Central Governme nt (Amount in Rupees crore) Month No. of Occasions No. of days in OD Amount (range) 1 2 3 4 2000 April 2 6,5 712-5,107 May 3 2,3,1 38-2,312 June Nil Nil Nil July 1 4 1,126-1,718 August 1 3 1,103-2,479 September Nil Nil Nil October 1 1 115 November 2 5,1 863-2,432 December 1 5 67-242 2001 January Nil Nil Nil February Nil Nil Nil March Nil Nil Nil April 1 10 556-14,193 May 2 3,5 199-5,346 June 1 10 303-2,173 July 4 5,1,8,2 30-7,165 11.10 As a sequel to the Monetary and Credit Policy announcement for 2001-02, effective May 14, 2001, the auctions of 14-day and 182-day Treasury Bills were discontinued and the notified amount for the 91-day Treasury Bill auctions was raised to Rs.250 crore from Rs.100 crore. Furthermore, the issue days of the 91-day Treasury Bill auctions have been synchronised in such a way that they become fungible with 364-day Treasury Bills. 11.11 The gross amount mobilised during 2000-01 through 14-day auction Treasury Bills (at Rs.10,480 crore inclusive of non-competitive bids, with a notified amount of Rs.100 crore per auction) and aggregate non-competitive bids (Rs.5,280 crore) were lower than in 1999-2000. The net amount was also lower, especially due to large redemptions. The Reserve Bank's subscription, at 7 per cent of the total issues, was about the same (percentage-wise) as in the preceding year. In the case of 91-day Treasury Bills, with a notified amount of Rs.100 crore per auction and aggregate non-competitive bids amounting to Rs.2,055 crore during 2000-01, the net issues were higher although the gross mobilisation at Rs.7,255 crore was lower as compared with 1999-2000. The Reserve Bank's subscription, at 12 per cent of the total issues, was lower than 19 per cent during 1999-2000. The gross mobilisation through issuance of 182-day Treasury Bills (at Rs.2,600 crore, with a notified amount retained at Rs.100 crore per auction) as well as net issuance were lower during 2000-01 as compared with 1999-2000. The subscription by the Reserve Bank at about 10 per cent (Rs.251 crore) of the total issues was lower than 22 per cent in 1999-2000. The gross mobilisation through issuance of 364-day Treasury Bills at Rs.15,000 crore was higher as compared with 1999-2000, reflecting the increase in the notified amount. The net issues were, however, lower than that in 1999-2000. The subscription by the Reserve Bank was lower at 12.0 per cent (Rs.1,827 crore) of the total issues in 2000-01, as compared to 17 per cent in the previous year. The aggregate net amount raised through all the treasury bills at Rs.2,085 crore during 2000-01 was lower as compared with Rs.4,245 crore during 1999-2000. The average cut-off yields of all treasury bills, except those of 14-day maturity, softened during 2000-01 relative to 1999-2000 (Table 11.2). The trend towards softening in cut-off yields of treasury bills continued during 2001-02 (up to August 10, 2001). 11.12 The system of minimum bidding commitment by the PDs, which covers more than 100 per cent of the notified amounts at treasury bill auctions, reduces the possibility of devolvement on the Reserve Bank. The Reserve Bank, however, continues to take devolvement, if necessary, to provide appropriate signals in terms of the cut-off yield and deflect short-term pressures to enable orderly market conditions. Dated Securities 11.13 Under the market borrowing programme, comprising dated securities and 364-day Treasury Bills, the Central Government mobilised Rs.73,787 crore (net) and Rs.1,15,183 crore (gross), respectively, during 2000-01. The actual borrowing remained within the budgeted limit in contrast to the increase in gross and net terms o f about 19.0 per cent and 27.0 per cent, respectively, in 1999-2000 and of about 18.0 per cent, and 30.0 per cent, respectively, in 1998-99 over the budgeted level (Chart XI.3). Table 11.2 : Issuance of Treasury Bills – Summary Statistics Auction (Amount in Rupees crore) Treasury Average cut-off Gross amount Net amount Outstanding amount Bill yield (per cent) 2001 2000 1999 2001 2000 1999 2001 2000 1999 2001 2000 1999 02* -01 2000 -02* -01 -2000 -02* -01 2000 -02* -01 -2000 1 2 3 4 5 6 7 8 9 10 11 12 13 14-day $ 7.41 8.23 8.23 1,100 10,480 16,453 -100 -225 125 Nil 100 325 91-day 7.51 8.98 9.03 6,665 7,255 8,155 3,670 310 20 5,500 1,830 1,520 182-day $ 8.44 9.43 9.68 300 2,600 2,900 -700 0 1,300 700 1,300 1,300 364-day 8.03 9.76 10.09 7,500 15,000 13,000 2,500 2,000 2,800 17,500 15,000 13,000 * Up to August 10, 2001. $ Effective May 14, 2001, the auctions of 14-day and 182-day Treasury Bills were discontinued. 11.14 Dated securities aggregating Rs.1,00,183 crore were issued during 2000-01 as against Rs.86,630 crore in 1999-2000. About two-thirds of the issuance took place during the first half of the year when there was seasonal slackening in credit demand from the no n- government sector. As the limited absorptive capacity of the market acts as a constraint on the amount that could be issued at any point of time, the Government had to enter the market on a number of occasions keeping in view the liquidity conditions and the Government's cash flows/ WMA position. A total of 31 loans (comprising 18 reissues and 13 fresh loans) were floated on 26 occasions (including private placement of 5 loans with the Reserve Bank) in 2000-01, as against 30 loans on 21 occasions (with private placement of 8 loans) in the previous year. The gross and net amounts raised through issue of Government of India dated securities during 2001-02 (up to August 10 2001) were Rs.70,000 crore and Rs. 56 ,025 crore , respectively. This included private placements of five loans for Rs.21,000 crore with the Reserve Bank. 11.15 In order to deepen liquidity in the Government securities market by building up large volumes in key benchmark securities, the Reserve Bank continued its strategy of passive consolidation through reissuance of the existing securities . Alignment of coupon payment dates enabled by reissuance of existing loans will also facilitate development of Separate Trading of Registered Interest and Principal Securities (STRIPS) in future ( Box XI.1).With a view to containing the refinancing risk new issuances also became necessary when the outstanding amount in any loan could not be increased beyond a limit. Box XI.1 STRIPS in the Government Securities Market STRIPS is an acronym fo r Separate Trad ing of Registered Interest and Principal Securit ies and stripping is a process of separating a standard coupon-bearing bond into the principal component and individual coupons. To illustrate, a 5-year coupon-bearing bond can be stripped into a principal co mponent and a set of 10 individual coupons (assuming half yearly coupon payments) which can be traded separately. The stripped securities, which act as zero-coupon bonds, represent the direct obligations of the Govern ment in an official STRIPS market. The stripping process impacts neither the direct cost nor the timing/quantum of the underlying cash flow and only facilitates transferring of the ownership right of individual cash flo ws. By the creation of securities of va ried maturities fro m a single coupon-bearing instrument, STRIPS cater to diverse investor groups with myriad risk profiles and investment horizons and facilitates an efficient debt management strategy (especially evening out the short-term concentration of redemption pattern) of reducing the refinancing risk. It also offers much greater leverage to hedge funds. The current system of pricing of bonds on a yield-to-maturity (YTM) basis discounts the entire series of cash flows at the same single rate although they accrue at different points of time. The imp licit assumption of investors holding the bond till maturity and the reinvestments of the intermediate cash flows at the same YTM may not often hold in reality. The conventional yield curve, thus, plots the YTMs of a series of coupon bearing bonds against their terms to maturity with any point on it indicating the single rate at which all the cash flows pertaining to a security are discounted. In fact, if the forward curve is sharply upward sloping, the YTM of a low coupon security should be more than a high coupon security of identical tenor. Th is coupon effect, as it is known, is totally missed if the decisions are based on YTM. On the other hand, the pricing of STRIPS is based on a zero -coupon curve where any point indicates the rate at which a single separate cash flow should be discounted. An important factor contributing to the efficiency of STRIPS pricing is the liquid ity in the underly ing bond issues and the align ment of coupon payment dates across a number of bonds. In the Indian case, with the domination by captive investors like banks, insurance companies and provident funds in the Govern ment securities market and with a shift in banks' investment behaviour based on considerations other than SLR, such as capital adequacy, income recognition and provisioning norms as well as asset liability management (ALM ) requirements, STRIPS are expected to provide the requisite flexib ility to the debt managers and address the asset-liability mis matches of the banking sector so far as their government securities investment portfolios are concerned. The extant policy stance of reissuance of existing loans and align ment of coupon payment dates across loans facilitating creation of volu mes in certain benchmark securities is creating an environ ment for STRIPS. Requisite provisions were made in the draft Government Securit ies Act, which is expected to replace the existing Public Debt Act, 1944 to facilitate the introduction of STRIPS. Table 11.3 : Weighted Average Yield and Maturity for Market Loans of Central Government. (Per cent/year) Year Ranges of YTMs at Primary Issues Weighted Range of Weighted Under 5 5-10 years Over 10 Average Maturity of Average years years Yield Loans Maturity 1 2 3 4 5 6 7 1995-96 13.25-13.73 13.25-14.00 - 13.75 2-10 5.7 1996-97 13.40-13.72 13.55-13.85 - 13.69 2-10 5.5 1997-98 10.85-12.14 11.15-13.05 - 12.01 3-10 6.6 1998-99 11.40-11.68 11.10-12.25 12.25-12.60 11.86 2-20 7.7 1999-2000 - 10.73-11.99 10.77-12.45 11.77 5.26-19.61 12.6 2000-01 9.47-10.95 9.88-11.69 10.47-11.70 10.95 2.89-20 10.6 2001-02 - 9.22-9.81 9.36-11.00 10.00 7.37-20 13.5 (up to August 10, 2001) - Not applicable. 11.16 Along with the development of the financial markets, interest rates on Government securities have provided the benchmark for the spectrum of interest rates in the system. Accordingly, during 2000-01, the Reserve Bank continued with the policy of combining the absorption of loans in the primary issuance market, either through private placements or by taking devolvements at the auctions coupled with timely open market operations in order to contain the pressure on interest rates in the economy in general, to reduce the cost of borrowing to the Government and to minimise the monetary impact of debt management. During the year, the initial subscription by the Reserve Bank to the total primary issuance of dated securities, at around 31 per cent of the total issues (Rs.31,151 crore), was similar to that resorted to during 1999-2000. The weighted average cost of primary issuance during the year was lower at 10.95 per cent as against 11.77 per cent during the previous year (Table 11.3). 11.17 The Reserve Bank has pursued a strategy of elongating the maturity pattern of the outstanding Government debt through the issuance of long-term paper to reduce the refinancing risk (Chart XI.4, Tables 11.4 and 11.5). The weighted average maturity of debt issued during the year through dated securities increased from 6.6 years in 1997-98 to 7.7 years in 1998-99 and to 12.6 years in 1999-2000. Uncertainties in the financial markets during the first half of 2000-01 as also the need to meet investor preference for lower market risk necessitated issuance of shorter- term securities. As a consequence, the weighted average maturity of new issuances during 2000- 01 dipped to 10.6 years. Further, the range of maturities of loans iss ued was 2.89 years to 20 years during 2000-01 as against 5.26 years to 19.61 years during 1999-2000. Despite the elongation of maturities, interest rates on government securities have softened in recent years. Table 11.4 : Maturity Profile of Market Loans of Central Government. (Per cent) Outstanding at end of Year Raised during the Year Year Under 5 5-10 years Over 10 Under 5 5-10 years Over 10 years years years years 1 2 3 4 5 6 7 1995-96 38 30 31 42 58 0 1996-97 45 29 26 50 50 0 1997-98 41 41 18 18 82 0 1998-99 41 42 16 18 68 14 1999-00 37 39 24 0 35 65 2000-01 27 47 26 6 41 53 Table 11.5 : Repayment Schedule for Market Loans of Central Governme nt(as at end- March 2001) P (Rupees crore) End-March Amount of Repayment 1 2 2001-2002 26,499 2002-2003 27,420 2003-2004 32,909 2004-2005 34,316 2005-2006 32,631 2006-2007 34,894 2007-2008 34,151 2008-2009 36,223 2009-2010 34,195 2010-2011 38,609 2011-2012 19,610 2012-2013 11,255 2013-2014 15,691 2014-2015 18,588 2015-2016 18,857 2016-2017 13,130 2017-2018 0 2018-2019 12,632 2019-2020 0 2020-2021 7,000 P Provisional. State Governme nts Ways and Means Advances 11.18 The aggregate outstanding WMA of all States as on Marc h 31, 2001 amounted to Rs.6,811 crore (including the overdraft of Rs.3,060 crore) as compared with Rs.7,519 crore (including the overdraft of Rs.4,093 crore) as at end-March 2000 (Table 11.6). Table 11.6 : WMA, Special WMA and Overdraft of States (Rupees crore) Weekly Average Month Normal WMA Special WMA Overdraft Investment in Treasury Bills 2001 2000 1999- 2001 2000 1999- 2001 2000 1999 2001 2000 1999 -02 -01 2000 -02 -01 2000 -02 -01 2000 -02 -01 -2000 1 2 3 4 5 6 7 8 9 10 11 12 13 April 3,925 2,288 1,175 666 767 176 1,863 2,392 1,420 2,832 1,481 6,322 May 2,638 1,610 1,091 345 496 155 681 469 174 3,483 1,610 6,560 June 2,223 1,464 1,198 331 478 333 508 467 183 4,664 2,550 6,761 July 2,875 2,376 1,663 491 879 429 863 546 397 4,219 1,486 5,619 August 1,775 1,377 344 333 368 316 3,170 6,110 September 1,791 1,215 535 135 460 286 3,190 6,644 October 2,554 1,742 681 516 935 518 1,645 5,485 November 2,770 2,087 602 758 983 784 1,244 3,398 December 2,387 2,055 806 723 921 895 2,066 2,630 January 2,862 2,456 927 945 1,058 1,053 1,808 1,571 February 3,398 2,458 583 810 765 1,003 2,678 1,690 March 3,481 2,366 704 853 2,109 1,863 2,726 1,319 11.19 An analysis of the WMA and overdraft position of State Governments reveals considerable pressure on liquidity management of States during 2000-01. Three States could not clear their overdrafts with the Reserve Bank within the stipulated time limit and consequently the Reserve Bank had to stop payments on their behalf. 11.20 The States' holding of 14-day intermediate Treasury Bills at end-March 2001 amounted to Rs.3,852 crore as compared with Rs.2,292 crore as at end-March 2000. The State Governments are also allowed to submit non-competitive bids in the treasury bill auctions conducted by the Reserve Bank. Table 11.7 : Market Borrowings of State Governments, 2000-01 (Rupees crore) Net Gross State 2 3 1 1,399.2 1,399.2 1. Andhra Pradesh 16.22 16.22 2. Arunachal Pradesh 362 379.9 3. Assam 603.28 638.62 4. Bihar 188.68 194.92 5. Chhattisgarh 80 80 6. Goa 521.99 559.22 7. Gujarat 468.3 488.38 8. Haryana 233.09 233.09 9. Himachal Pradesh 238.61 238.61 10. Jammu and Kashmir 204.21 216.17 11. Jharkhand 825.58 825.58 12. Karnataka 540 577.42 13. Kerala 514.83 532.04 14. Madhya Pradesh 770.15 809.15 15. Maharashtra 21.3 25.2 16. Manipur 70 70 17. Meghalaya 34.97 34.97 18. Mizoram 100 104.95 19. Nagaland 689.71 689.71 20. Orissa 345 361.7 21. Punjab 1,119.37 1,182.07 22. Rajasthan 25 25 23. Sikkim @ 1050 1,092.48 24. Tamil Nadu 75.55 79.95 25. Tripura 1,489.55 1,489.55 26. Uttar Pradesh 78.89 78.89 27. Uttaranchal 814.66 877.36 28. West Bengal 12,880.14 13,300.35 Total Memo Item Total (2001-02) (up to August13, 2001)6,777 @ Allocation mentioned at the level actually raised. Dated Securities 11.21 The gross and net borrowings of State Governments amounted to Rs. 13,300 crore and Rs. 12,880 crore, respectively, during 2000-01. The States were initially allocated a net market borrowing limit of Rs.11,230 crore (Rs.11,650 crore, gross) for 2000-01 (Table 11.7). After this was completed by January 2001, an additional allocation of Rs.1,650 crore was made to 10 State Governments. As a part of the policy to move towards the system of auctioning of State loans, the State Governments were allowed the option of raising 5 to 35 per cent of the allocated borrowings through auctions along with the flexibility to decide the timing since 1999. The States which opted for such auctions during 2000-01 raised an aggregate amount of Rs.1,670 crore at cut-off rates ranging between 11.57 per cent and 11.80 per cent (Table 11.8). During 2001 -02 (up to August 13), the States raised an amount of Rs.6,777 crore , including the amount of Rs.1,470 crore raised through auctions by five States. Table 11.8: Summary of Auction Results: Market Borrowings of States State Date of Amount Cut-off GoI10-year* Auction of issue yield (approx.) (Rupees (Per cent) Secondary crore) Market yield (Per cent) 1 2 3 4 5 1. West Bengal 08.08.2000 250 11.80 11.43 2. Maharashtra 08.08.2000 280 11.70 11.43 3. Andhra Pradesh 08.08.2000 400 11.80 11.43 4. Tamil Nadu 08.08.2000 290 11.70 11.43 5. Kerala 29.08.2000 200 11.75 11.42 6. Karnataka 05.12.2000 250 11.57 11.32 7. Kerala 17.04.2001 200 10.53 10.25 8. Gujarat 20.07.2001 190 9.50 9.35 9. Gujarat 06.08.2001 250 9.40 9.10 $ 10. Andhra Pradesh 13.08.2001 475 9.53 9.25 11. Madhya Pradesh 13.08.2001 105 9.55 9.25 12. West Bengal 13.08.2001 250 9.72 9.25 * Traded security having residual maturity nearest to 10- year. $ For about 8 years maturity. 11.22 The weighted average cost of borrowing of the State government dated securities declined significantly during 2000-01 in line with the trend during the second half of the 1990s (Table 11.9). Table 11.9 : Weighted Average Yield of State Governme nt Loans (Per cent per annum) State Government Securities Year Range Weighted Average 1 2 3 1995-96 14.00 14.00 1996-97 13.75 - 13.85 13.83 1997-98 12.30 - 13.05 12.82 1998-99 12.15 - 12.50 12.35 1999-2000 11.00 - 12.25 11.89 2000-01 10.50 - 12.00 10.99 2001-02 (up to August 13) 9.40 - 10.53 10.20 11.23 The State-wise maturity profile of loans as well as the repayment schedule are presented in Table 11.10 and Table 11.11, respectively. Table 11.10 : Maturity Profile of State Government Loans (end-March 2001)P (Rupees crore) State 0-5 years 6-10 years Over 10 years Total 1 2 3 4 5 1. Andhra Pradesh 1,739 7,057 339 9,135 2. Arunachal Pradesh 14 55 5 74 3. Assam 493 1,750 38 2,281 4. Bihar 1,666 4,322 389 6,377 5. Chhattisgarh 0 70 0 70 6. Goa 41 317 10 368 7. Gujarat 728 3,007 98 3,833 8. Haryana 397 1,300 67 1,764 9. Himachal Pradesh 130 779 26 935 10. Jammu and Kashmir 208 714 37 959 11. Jharkhand 0 123 0 123 12. Karnataka 795 3,538 158 4,491 13. Kerala 1,053 3,253 193 4,499 14. Madhya Pradesh 1,036 3,698 164 4,898 15. Maharashtra 1,173 3,841 189 5,203 16. Manipur 60 172 12 244 17. Meghalaya 65 301 13 379 18. Mizoram 30 135 0 165 19. Nagaland 105 457 16 578 20. Orissa 1,203 3,487 247 4,937 21. Punjab 545 2,009 41 2,595 22. Rajasthan 1,183 5,079 204 6,466 23. Sikkim 34 170 7 211 24. Tamil Nadu 1,371 4,214 233 5,818 25. Tripura 73 332 17 422 26. Uttar Pradesh 3,277 10,226 576 14,079 27. Uttaranchal 0 16 0 16 28. West Bengal 1,360 4,216 271 5,847 P Provisional. Table 11.11: Repayment Schedule for Market Loans of State Governments (as at end - March 2001) P (Rupees crore) End-March Amount of Repayment 1 2 2001-2002 1,446 2002-2003 1,789 2003-2004 4,145 2004-2005 5,123 2005-2006 6,274 2006-2007 6,551 2007-2008 11,554 2008-2009 14,400 2009-2010 16,261 2010-2011 15,870 2011-2012 3,349 P Provisional. Consolidated Sinking Fund (CSF) 11.24 The Consolidated Sinking Fund (CSF) was set up in 1999-2000 to meet redemption of market loans of State Governments. Each State Government has to co ntribute 1 to 3 per cent of its outstanding market loans each year to the Fund. The accretions to the Fund are invested in Government of India securities. The Fund is administered by Central Accounts Section (CAS), Nagpur of the Reserve Bank. As on June 30, 2001, 10 States had subscribed to the CSF and the face value of securities purchased by them amounted to about Rs.671 crore. INSTITUTIONAL MEASURES 11.25 The separation of the functions of debt management and monetary management is regarded as a desirable medium- term objective, conditional upon development of the government securities market, durable fiscal correction and an enabling legislative framework. The separation of the two functions is expected to have significant effects on the functioning of the government securities market. The Working Group on Separation of Debt Management from Monetary Management, which submitted its report to the Reserve Bank in December 1997, recommended, inter alia, the separation of the two functions and establishment o f a company under the Indian Companies Act to take over the debt management function. The Union Budget, 2000-01 expressed the need to accord greater operational flexibility to the Reserve Bank for the conduct of monetary policy and regulation of the financ ial system. The existing Public Debt Act is sought to be repealed and replaced by a new Government Securities Act. The new Act will simplify the procedures for transactions in Government securities, allow lien marking/pledging of securities as also electronic transfer in a dematerialised form. The new Act has been passed by the Legislatures of most of the States. Attendant legislative changes are envisaged under the Fiscal Responsibility Bill and the Reserve Bank of India Act to enable greater flexibility and operational effectiveness in the conduct of monetary policy in the new environment. The Reserve Bank has proposed amendments to the Reserve Bank of India Act, 1934 which would take away the mandatory nature of management of public debt by the Reserve Bank and vest the discretion with the Central Government to undertake the management of the public debt either by itself or to assign it to some other independent body, if it so desires. The amendments to various legal acts are also expected to bring about greater compatibility with innovations taking place in banking operations. 11.26 During 2000-01, significant progress has been made in the development and integration of financial markets, introduction of new instruments and participants, strengthening of the institutional infrastructure and greater clarity in the regulatory structure. During 2000-01, amendments to the Securities Contracts (Regulation) Act, 1956 demarcated the regulatory roles of the Reserve Bank and the SEBI in the financial markets and established the regulatory jurisdiction of the Reserve Bank over money and government securities markets. 11.27 The recent monetary and credit policy statements of the Reserve Bank stressed that the major constraint in the evolution of an independent debt management function is the continuing fiscal dominance over financial markets. The durable solution for more efficient conduct of these policies is a substantial and enduring fiscal correction. The proposed Fiscal Responsibility Bill is expected to bring in reasonable control over the fiscal deficit. Apart from the elimination of the revenue deficit and the reduction of the fiscal deficit to 2.0 per cent of GDP by March 31, 2006, the proposed Bill envisages prohibition of direct borrowing by the Central Government from the Reserve Bank after three years except by way of advances to meet temporary cash needs. 11.28 In line with the recommendations of the Group of State Finance Secretaries, the Reserve Bank announced the following measures under the State Governments' 'WMA Scheme 2001', effective from February 1, 2001 : (i) the total normal WMA limits fixed at Rs.5,283 crore as per the Vithal Committee formula based on revenue receipts and capital expenditure for the three years ended 1999-2000; (ii) the special WMA continued to be linked to the State Governments' investments in Government of India securities; (iii) States allowed to run overdrafts for 12 consecutive working days instead of 10 days under the earlier scheme; (iv) five working days' notice period instead of the existing notice period of three working days to the States to bring down the overdraft amount within the level of 100 per cent of the normal WMA limit; (v) the other provisions of the scheme remain the same as per the earlier scheme; and (vi) the above scheme subject to review at the end of two years. 11.29 Consequent upon the creation of three new States, i.e., Chhattisgarh, Jharkhand and Uttaranchal, the minimum balance and WMA limits were apportioned between the old and new States on the basis of the revenue sharing formula adopted by the Central Government. There was a uniform 30 per cent hike in WMA limits for all the six states involved, to take care of mismatches that may arise consequent to the division. Besides, overdraft regulations were partially relaxed in respect of these States. This was the position before the introduction of the WMA Scheme 2001. 11.30 During February 2001, it was decided that: (i) the existing normal WMA limit would continue for the reorganised States and the Reserve Bank would review the position in September 2001 when provisional accounts data become available; (ii) the relaxation of the five days' limit for the reorganised States would be extended up to March 31, 2002; (iii) loan-wise bifurcation, repayment schedule and coupon payments together with the months of such payments would be forwarded to the respective States by the Reserve Bank; (iv) for the determination of the limits on special WMA, the holdings or balances as on December 30, 2000 would be bifurcated between the respective States (investment made by States after the appointed date would be included in the holdings of the respective States); and (v) the outstanding State Development loans would continue in the name of the successor States (old states) and the servicing costs (interest payments and repayment of maturing loans) in respect of these outstanding loans would be met from the successor States' reconstituted cash accounts with the Reserve Bank, with the Reserve Bank arranging to transfer specified portions (as per the ratio of population) of these servicing charges from the new States. This is in consonance with the provisions of the respective Reorganisation Acts, 2000 of the States. 11.31 In pursuance of the recommendations of the Committee on State Government Guarantees in February 1999, the Reserve Bank advised banks that with effect from 2000-01, investments in State Government guaranteed securities outside the market borrowing programme would attract risk weight of 20 per cent. In case of default, such investments are to be treated as NPAs and 100 per cent risk weight is to be attached with adequate provisioning. The States which have not been honouring guarantees and have arrears in payment of interest/principal in guaranteed bonds ha ve been sensitised to the need to make prompt payment in order that response to the market borrowing of the State is not jeopardised. Some of the States have requested the Reserve Bank to earmark a portion of fresh issuance towards arrears in servicing guaranteed bonds. Whereas Gujarat (1963), Karnataka (1999), Sikkim (2000) and West Bengal (2001) have introduced statutory ceilings on guarantees, Rajasthan (1999) and Assam (2000) have imposed administrative ceilings. Tamil Nadu has taken the decision to charge the guarantee commission on outstanding guaranteed amount. 11.32 With the issue of fiscal transparency coming to the fore, the Core Group for implementing the recommendations of the Committee on Voluntary Disclosure Norms for State Governments (January 2001) suggested that the States which have already started publishing "Budget at a Glance", should be encouraged to disseminate more information on a time series basis, especially data on major fiscal indicators, viz., revenue deficit, primary deficit, tax revenue, interest payments, subsidies, contingent liabilities including guarantees etc. The Group also recommended that the other States should be persuaded to initiate necessary steps towards publishing "Budget at a Glance" and also time series data on some fiscal indicators. In the medium term, the States are encouraged to move towards publishing a detailed 'Budget Summary' under the supervision and periodic review by the State Finance Secretaries Forum. 11.33 The sixth conference of the State Finance Secretaries was held in April 2000. Issues deliberated upon were the need for a system of on- line reporting of transations to facilitate better funds management, auction systems for market borrowings of States, measures to deal with managing the interest burden, State guarantees and envisaged legislative changes. In the seventh conference in November 2000, issues discussed included the system of WMA and market borrowings for States, debt servicing, ceiling on guarantees, the Calamity Relief Fund and the macroeconomic implications of public accounts. In the eighth conference in May 2001, the issues discussed included market borrowing of states, state guarantees and guarantee redemption fund, interest burden on States and finances of local bodies. 11.34 The active stance of the debt management policy pursued in the recent years would be continued in 2001-02. The market borrowing programme of the Centre for the year has been placed at Rs.1,18,852 crore (net Rs.77,353 crore) and that of the States provisionally at Rs.12,648 crore (net, Rs.11,201 crore). Easy liquidity conditions have enabled the smooth issuance of the borrowing programmes of the Centre and States. While the ideal situation for the debt manager is one in which the market absorbs the entire debt issuances, the Reserve Bank subscribes to primary market loans in view of the large market borrowing requirements of the Government and the need to ensure orderly market conditions. The operational framework of debt management policy would, therefore, continue to combine private placement/ devolvements with open market operations so as to ensure absorption of the public debt without undue pressure on the conduct of monetary policy or on the cost of the debt. Lengthening of the maturity structure would also be continued along with reissuances and price-based auctions to smoothen the yield curve. As in the recent past, the debt management operations will have to be carefully timed with market liquidity conditions and expectations so that there are no undue pressures on the monetary policy preference for a softer interest rate environment.
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Post in 'The Inglenook' started by Swedishchef, Dec 24, 2013.

subset: commoncrawl


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PetMD.com says that certain species of small sharks make excellent pets. The most popular are the epaulette, the bamboo and the wobbegong. Like all sharks they are carnivorous sea dwellers and therefore need to be kept in a large saltwater tank and fed fresh seafood.Know More
Baby nurse sharks are sometimes sold as pets, although some experts say this is not a good idea. Nurse sharks will outgrow even a very large aquarium in less than a year. Most species of shark are much too large to keep in a home aquarium even as babies. For example, baby great white sharks are 5 feet long at birth.Learn more about Aquatic Pets
Pet sharks are available in the United States from aquarium specialty stores or online retailers. Aquarium specialty stores like Aquarium & Pets Emporium in Florida are most likely to carry sharks; pet store chains such as Petco and PetSmart do not.Full Answer >
Mystery snails may be kept in the same tank as other fish, according to PetSmart. However, larger species such as gouramis and skunk loaches may eat or disturb smaller snails. Shy and peaceful fish are the most compatible tank mates for the mystery snail.Full Answer >
According to The Goldfish Tank, goldfish in the right environment can live for many years in spite of their reputation for not having a long lifespan. Goldfish-as-Pets.com explains that the leading cause of death in goldfish is poor water quality, which is often caused by overfeeding that results in the build-up of uneaten food.Full Answer >
High levels of ammonia, nitrate, nitrite or pH concentrations are common reasons why cory catfish die, according to veterinary doctors Foster and Smith. Other common causes of death include unregulated aquarium water temperature, infrequent cleaning and the eating of spoiled food as a result of overfeeding.Full Answer >


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New Sportsbook.ag customers: Make your 1st bet, get your 2nd bet free, 100%, winnings paid in cash.Join Now
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BUFFALO, N.Y. (AP) - The Buffalo Sabres have demoted defenseman Mark Pysyk to AHL Rochester, which will allow the rookie to play during the NHL's Olympic break.
Pysyk had missed Buffalo's past two games with an undisclosed injury. He has a goal and five assists in 42 games this season.
To fill his spot, the Sabres recalled defenseman Chad Ruhwedel from Rochester.
Buffalo (13-29-7) plays at Columbus (26-20-4) on Saturday.
Copyright 2015The Associated PressAll Rights Reserved


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34 year old woman | Union City, GA, USA | Seeking men 29-50 within 50 miles
I'm ready ....... are you ??
I'm single and ready to find that special someone. I'm looking for that man of my dreams. I need him to sweep me right off my feet. Somone that knows what he want and needs out of life im well educated and very happy where i am in my life right. I ready for a change and willing to grow with that special someone.Looking for someone that puts GOD first in their lives, and goes to church, and have a good relationship with his mother!! Thats a must. Someone who can love and want me for me and nothin more nothing lessssss. Some one who have the same interest that I have. A MAN A reAl Man. i'm looking for 100% in a relationship not 50/50. I feel that you have to put your all in this to make it happen the right way...smile
Book club , Coffee and conversation , Business networking , Cooking , Dining out , Hobbies and crafts , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Playing cards , Shopping/Antiques , Volunteering , Watching sports , Wine tasting
Bowling, Dancing, Other types of exercise, Running, Tennis / Racquet sports, VolleyBall, Weights / Machines, Yoga
I exercise 3-4 times per week.
I like Fish
I've tried a few dinner spots downtown and I love vanquish. I've also been to a few lounges that are very nice and laid back Baileys is really nice they have live band and pool tables . I'm open to trying new things.
I enjoy RB music, it helps me relax and keep me mellow. I like some rap and hip hop. For TV comedy is my favorite, anything that make me laugh..Food will sometimes try anything ? it depends...
I enjoy going to parks walking and having a nice conversation while doing so. I also like to go out to dinners,movies etc. like to have a good time, and just looking for that someone that wants the same.
It ws a book about Melinda Doolittle. I like reading different stories about have people made it through when the saw no way .... Success stories !!
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What she is looking for
|5'4" (162cms)
|5'8" (172cms) to 6'11" (210cms)
|Body type:
|Slender, About average, Athletic and toned
|No preference
|Dark brown
|Black, Dark brown
|No Way
|No Way, Occasionally, Cigar aficionado, Yes, but trying to quit
|Social Drinker
|Social Drinker, Moderately
|Executive / Management
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|Never Married
|Never Married, Divorced
|Have kids:
|Yes, and they live at home (3)
|Yes, and they sometimes live at home, Yes, and they live away from home, Yes, and they live at home
|Wants kids:
|Definitely, Someday
|Black / African descent
|No preference
|Christian / Other
|Christian / Catholic, Christian / LDS, Spiritual but not religious, Christian / Other
|English, French, Spanish
|Some college
|High school, Some college, Associates degree, Bachelors degree, Graduate degree, PhD / Post Doctoral


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We believe data can be the most powerful tool in understanding your customers and how to differentiate and optimize your omnichannel marketing mix. The more data that is collected, the more data that can be mined, segmented for preferences, and used to create compelling and relevant consumer offers through multiple touch points. Simply, your data is the key to your sales success.
Let us guide you through an omnichannel marketing journey geared toward conversions and revenue generation.
We believe strongly in what we do, and we believe that we do it well. Our services are therefore generally performance based, as opposed to guaranteed fee based – we only share in the success of our efforts. Compensation is structured based on the channel of engagement, size of the campaign, and level of discounts, promotions and incentives, if any, required for success in each channel.
We help our clients achieve the best return possible from their DTC marketing campaigns by improving response rates, nurturing and building customer relationships, and increasing profitable wine sales across all DTC channels.
"Connecting" with your existing customers and prospects is a function of time, place and relevancy. Consumers vary in their preferences around how they like to be communicated with: phone, web, email, text, social, mail, in person.Learn More
"Collecting" data is oftentimes viewed as an added burden to wineries and their employees who are challenged with the task of acquiring names, emails, phones numbers, and other personal data from the guests who visit their tasting roomsLearn More
"Converting" is the holy grail of DTC marketing. It pays the bills. Turning prospects into customers, selling more to existing customers, and creating purchasing annuities from both is the result of engaging and targeting your audience.Learn More
One of the challenges facing winery owners and management is the availability of reliable and understandable data that accurately tracks performance in the various sales and marketing channels, and that can provide insights into how best to allocate marketing resourcesLearn More
No one understands your customer like you do, but we try to come close. Your brand story is a valuable asset, and our mission is to help tell your story, and to tell it well. Our relationship-based telesales professionals serve as an extension of your winery brand to engage customers by phone to support wine campaigns, seasonal releases, promotional offers, wine club enrollment, and other sales promotional activities. While specializing in outbound sales efforts, we also can provide inbound services to support direct mail, events, seasonal overflow, or other specific winery needs.
"We couldn't work as successfully without our 'Boxter" and her adroit skills in communicating with our customers. The Boxters we've worked with exude profound professionalism and an uplifting demeanor when reaching out to our customers. Many of our faithful customers look forward to their calls; they add personality to our image. My wine hat is off to them."
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31 year old man | Farmington Hills, MI, USA | Seeking women 22-35 within 75 miles
Active within 24 hours
Looking for the right one...Let me know if you're out there!
Hello! I recently moved back to Michigan where I'm originally from. I had been living in California for the past 5 years. I liked it out west but am excited to possibly meet someone back home! Overall, I'm a very goal-oriented and career driven person but I definitely make time to let loose and have fun. I really enjoy meeting new people but always have time for my family and friends. I'm a big sports fan (college football, Tigers, Red Wings), like to cook, take every opportunity to be outdoors, and just want to experience the best life has to offer! I also like to travel as much as I can. I'm excited to get back home and enjoy the great Michigan summertime and fall season, winter not so much! haha. I also love northern Michigan in the summertime. My friends would say that I am easy going, spontaneous, honest, loyal, and trustworthy. I would prefer to meet someone who shares the same values and qualities as me and by that I mean "GO BLUE!!!" Just joking haha. State ladies are welcome also!
Camping , Business networking , Cooking , Dining out , Fishing/Hunting , Gardening/Landscaping , Movies/Videos , Museums and art , Music and concerts , Exploring new areas , Nightclubs/Dancing , Performing arts , Playing sports , Travel/Sightseeing , Watching sports , Wine tasting
Baseball, Basketball, Bowling, Football, Golf, Hockey, Other types of exercise, Running, Skiing, Swimming, Tennis / Racquet sports, VolleyBall, Walking / Hiking, Weights / Machines
I exercise 5 or more times per week.
Don't display my sign
I like Dogs
Chicago, San Diego, Hawaii, Vegas, Washington D.C., northern Michigan
Hillsdale College, Hillsdale, MI
I like all types of music and definitely country also. I like to cook in my free time. When I mean cook, that basically means using the grill and that's about all I know! I really enjoy Italian, seafood, and sushi.
When not working, I like to stay active with outdoor sports (golf, hiking, playing on my work's softball team). I also like to travel as much as I can even if it's just a quick weekend getaway to Chicago or up north.
Grad school Accounting textbooks and an occasional golf magazine, boring I know!
Z{{Cta}} {{#if HasMoreInfo}} ?{{CtaSecondary}} {{/if}}
|What he is looking for
|6'4" (193cms)
|5'4" (162cms) to 6'2" (187cms)
|Body type:
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|Slender, About average, Athletic and toned
|No preference
|Light brown
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|$100,001 to $150,000
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|Never Married
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|White / Caucasian
|White / Caucasian
|Christian / Catholic
|Christian / Catholic, Christian / Other
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|Bachelors degree
|Bachelors degree, Graduate degree, PhD / Post Doctoral
I'm starting my Master's in Accounting this fall.


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Notes from a Second-Class Citizen
By C. W. Oberleitner
November 11, 2008
You may be asking yourself why this weeks column is once again political in nature, especially in view of the fact that Proposition 8 passed and same-sex couples no longer have the right to marry in California. The phrase no longer have the right is the reason. I just dont feel like writing about theme parks and cartoons while I and millions of my fellow tax paying brothers and sisters are denied a basic human right.Chuck
Read the full story here >>


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Play against a friend or the computer, and enjoy the 3D graphics.
Sounds have just been added, and can be disabled in the options.
If the game force close, try unchecking "VBOs" in the options. Please send me an email if the game don't work.
What's New
Nature's Jewel
Nature's Jewel is a match-3 game similar to the likes of Bejeweled game.So simple, try to match 3 or more jewel to get your score but extremely addictive gameplay. There's 3 mode with 3 funny gameplay diffirent (Classic, Time race & Quest).
•Classic mode: with a basic gameplay, you'll try to fill up progress bar to complete a level.
•Time race: you must match the jewels quickly before the progress bar is empty, you can control you time depend on your skill and try to get highness-score that you can.
•Quest mode: finish your task to pass a level !
•Auto-save whenever you quit game.
•Move and score even when another jewels is scoring.
•3 awesome power-ups to get big score.
•Pretty graphic and impressed sound effect.
•Load game very fast.
Jewels n Jewels Ads Free
Touch, swipe and match them in this puzzle game with three CHALLENGING MODES unlike other Jewels collection games. Addictive features like bubble pop as you blast the jewels.
If you like addictive Brain & Puzzle games, Bubble blast and Match-3 games and specially Jewels collection games then Jewels n Jewels is the right Game for you.
Unique Puzzles combined with action and arcade modes. The ultimate quest for Jewels, gems & diamonds comes to android
* Blitz Mode--------The classic Blitz Challenge, Get special Jewels and play as much as you can to score more.
* Endless Mode------ Enjoy the Match-3 to collect Different Jewels & Gems.
* Arcade Mode------ Collect two or more same type of Gems to pop like bubbles
* Challenge Mode---- Make combinations to collect the Gems with time challenged levels.
Make more and more Collection of Gems & Diamonds as you can and share your score globally with your papaya friends online.
Jewels 2 Pro Version
Get your match-3 fix now with this brand new Pro version of Jewels! With a lot of special power-ups and awesome visual effects, you can expect the ultimate in jewels collecting and explosive fun!
By playing this game you may find yourself hopelessly addicted to swapping the glorious jewels. It is a simple but extremely fun match-3 game.
How to Play:
- Swap jewels to match 3 or more identical jewels to eliminate them
- To activate a special power-up, match jewels that are the same color as the power-up you want to activate twice in a row
- Three Game Modes: Normal, Time, Arcade, Infinite
- Outstanding graphics and music
- Easy-to-play interface with save function
- Each jewel has its own special power up effects
Jewels Miner!
Tap on two or more adjacent jewels with the same color and tap again to destroy them.
The more jewels you pop once a time, the more score you will get.
How to Play:
- Just tap two or more adjacent jewels of the same color and tap again to destroy them.
- There is no time limit, but each stage has target points to proceed to the next stage.
Highlighted features:
- Well-designed maps, to make the game more enjoyable and addictive.
- New items to make the game more exciting and interesting.
Come on! Let's begin the journey of treasure hunting – Jewels Miner, the latest FREE game from Ezjoy Network, makers of Bubble Pop Plus and Jewels Maze.
If you like this game, please rate it and recommend to your friends.
Thanks for playing!
Bejeweled is a sparkling adventure with dozens crystals, diamonds, rubies and ancient rocks to discover! They hold a magical power - and you must match three or more to collect them! See how many points you can earn before the time runs out!
You have stumbled across the tomb of a Pharaoh, packed full of precious jewels. Watch out: it's rigged with a bomb... so collect as many as you can, before your time runs out!
Race against the clock, and don't waste a single second as time slips you by! Can you collect a record number of jewels before the time runs out? Swipe and switch jewels to match three or more - and watch as they disappear!
See how many points you can earn and beat your highscore - battle your way through the levels, and see if you can master them all - do you have what it takes to become a Jewel master?
Jewels - capture the crystals and have fun in this match-3 game for Android!
✔ Match three (or more) crystals in a row to collect them!
✔ Earn as many points as possible before the time runs out!
✔ Beat all of the levels and improve your highscore!
✔ The classic match-3 game, re-imagined for Android!
Jewels Temple Deluxe
This casual game can make boredom go away. It has addicting graphics and awesome game play. It is a fun classic game brought to the Android world with new pretty jewels.
If you like this kind of jewels game (like Bejeweled or Jewels Deluxe) or matching games in general, then you will love our version of Jewels game. It is the best match-3 game.
This free jewels game comes with 3 game modes: Classic jewels, Endless jewels and the very cool jewels time attack! We challenge you to reach level 20 in jewels time attack. We even have motivational achievements for you to win! We also challenge you to reach our greatest achievement, the jewels star.
What you can play:
- Classic Jewels
- Time attack Jewels
- Endless Jewels
Other jewels games lack what this free game has to offer, things like thunders, bombs, achievements, Open Feint integration, levels and really cool looking graphics. Puzzle games don't get any better than this.
What is special:
- Bomb jewels
- Thunder jewels
- Awesome achievements
- Addictive graphics
- Flawless game play
- Global high scores with Open Feint
We are constantly working constantly to improve our games and any feedback is good. Please don't forget to rate if you feel like giving the game five stars. We intend to add new game modes like jewels maze or a map level system so you can live the story of a jewels hunter. If enough users request these features we can even implement other game modes like jewels shoot or jewels pop.
What we want to do next:
- More puzzle game modes
- Jewels hunter mode with maps
- More magic jewels
Permissions in Temple Jewels are needed for Open Feint to work and the permissions are used only if you want to use Open Feint.
Temple jewels is the best jewels game, the best matching game and the most popular color game. It is similar to Bejeweled and Jewels Deluxe,
Give it a try, better than Bejeweled and Jewels Deluxe!
Jewels Maze!
If you loved diamend or jewels style games, Jewels Maze is the one that you must have. It is similar to bejeweled but also brings a completely refreshing feeling to the increasingly irksome gameplay, adding a sense of exhilaration and intensity not found before.
Highlighted features:
- Nice, clean graphics and smooth gameplay.
- Support muliti-touch, so you are able to play the game together with your friends.
- Well-designed maps, to make the game more enjoyable and addictive.
- Match 4 and more to get hidden awards.
- More hidden items to make the game more exciting and interesting.
Come on! Let's begin the journey of treasure hunting – Jewels Maze, the latest FREE game from Ezjoy Network, makers of Bubble Pop Plus and Marble Blast.
If you like this game, please rate it and recommend to your friends.
Thanks for playing!
Ezjoy is the name behind Marble Blast, Jewels Maze, Empire VS Orcs, Bird Blast, Bubble Pop, Devil Hunter, Ice Breaker, Jewels Miner and many other top popular games.
Jungle Jewels Deluxe
These are some of the amazing features you get in Jungle Jewels:
★ 4 compelling game modes: Classic, Relaxation, Endless, and Score Attack
★ Hours of match three puzzle fun
★ Beautifully illustrated artwork
★ Exciting gameplay
★ Great dynamic soundtrack
Can you collect all parts of the mask?
If you have a question, concern or suggestion, please contact our support team by visiting: https://gameduell.zendesk.com/hc/en-us/sections/200314966-Jungle-Jewels-on-Mobile. We'd love to hear from you!
Hello Kitty Jewel Town!
Swap any jewels with an adjacent one to form a chain of 3 or more jewels that look exactly alike! Get points for each matching set of jewels made – longer the combo, better the score. Special boosters are a great asset to solve impossible puzzles! They are the perfect companion for score fiends!
You will have a chance to draw from a machine after every quest. There are over hundreds of unique collectibles up for grab. Dress up your room with these fabulous collectibles today and make your friends jealous when they visit!
** Please note that while the app is free, please be aware that it contains paid content for real money that can be purchased upon users' wish to enhance their gaming experience.You may control in-app purchases made within this app using password protection which can be enabled from the setting page of the Google Play Store app. **
***** This game supports Facebook Connect but game progress is still saved locally, it is *not* saved in the cloud. Reinstalling the app will cause you to lose all game progress. *****
Jewel Blast Match 3 Game
▲If you're searching for new jewel quest mysteries to solve or activate your brain by playing match games, you're on the right spot. Nowhere else will you find a more addictive puzzle game, more spectacular graphics, sound effects or funnier characters. "Jewel Blast Thief Quest" will take you to a jeweled world of challenging obstacles, exciting missions and powerful boosters where you'll become part of a major thief quest for lost jewels, gems and diamonds in various places. Get one of the best matching games free from the market and make sure this jewel saga has a happy ending. This is a first rate match three game you wouldn't want to miss! Hurry up, the jewel fever is just about to begin!▲
HOW TO PLAY ▼Jewel Blast "Match 3" Game▼
➤Matching 3 jewels in a row eliminates all 3 and other elements fall down to fill the space left.
➤Matching 4 jewels in a row gives a striped jewel of the same color.
➤Making a 5 element combination in a T or L shape gives you an exploding jewel.
➤Making a 5 element combination in a row gives a diamond.
1. Score Cap
Score enough points in a limited number of moves or time.
2. Remove metal blocks
Remove metal blocks underneath the jewels in a limited number of moves or time.
3. Collect
Collect a certain amount of diamonds in a limited number of moves or time.
4. Bring Down
Bring the given key down to the bottom of the board in a limited number of moves or time.
❤‿❤ Match crazy jewels of the same shape and color and clear all obstacles in front of you.
❤‿❤ Take a tour around six places with twenty levels: mansion, bank, jewelry store, casino, castle, pirate ship.
❤‿❤ Have fun solving numerous puzzle games and activate amazing blast effects.
❤‿❤ Fulfill every mission, collect all diamonds, gems and jewels and make sure the thief's quest ends successfully.
❤‿❤ Enjoy playing any time and see how sharp and animated visuals bring this jewels saga deluxe to life.
❤‿❤ Discover the jewels legend and become a master in popular "match 3 games".
❤‿❤ Jewels with friends will be your next favorite time killer!
▲Download one of the most terrific "jewel games" for kids and adults and see for yourself what makes it one of a kind. If you've already played other similar candy games or fruit mania games, now's a perfect time to try out Jewel Blast saga. You're about to find out it's one of the most fantastic jewel crush games you could play and have so much fun at the same time. Train your mind on a daily basis with best brain games free such as this one and enjoy the role of a legendary jewel hunter and diamond digger. Embark on the most exciting gems journey ever!▲
▲Wrapped up in a totally free app for Android, ▼ "Jewel Blast" Thief Quest▼ has everything a puzzle player could want in a typical gem swap game. Diamond games such as this one are a very suitable pastime for adults and extremely thrilling matching games for kids, so don't waste your time any longer – download one of the top trending games on the market and it will bring fun for everyone. Let's start this "jewel mania" now! Match three or more sweets, crush jewels and experience ultimate fun in one of the best candy puzzles ever! Matching with friends has never been more interesting!
Galaxy Jewels Quest
The newest Match-3 game:Galaxy Jewels Quest now available on Google Play for free.
Fun and addictive game:Jewels Quest,is a game can be played by anyone,and you can expect the ultimate in explosive fun with jewels collecting!Your goals is to match the jewels until the board transparency.
If you love Jewels games,Jewels Quest is the perfect game for you!Try to get all stars in each level.Once you start,with satisfying and awesome visual effects,you can't stop!
What's the difference with our other Jewel Quest games:The gems can fall from the oblique direction in this game.
Tips:Eliminate the jewels quickly can earn one blitz bonus,this will help you complete the levels quickly.
★★★★★How to play?
Touch the adjacent jewels to swap them.Make 3 or more with the same types together to eliminate them.Eliminate 4 or more jewels to gather special jewel. Match the jewels until the board transparency to pass the level.Try to get all stars in each level.Can you be the Jewels Star?
★★★★★App Advice review:
Cool music, beautiful graphics and effects, soothing and transcends above stress! Excellent!Best of all jewel games I have played!! Excellent graphics, makes you plan your strategy before you make the next move.
1.lovely graphics,sweet sounds.
2.Well-designed maps, to make the game more enjoyable and addictive.
3.Share with your friends.
4.Eliminate the jewels quickly can earn one more blitz bonus.
5.Eliminate 4 or more candies to gather special jewels.
We try our best to design the most interesting games,but there must be some place not good enough.If you have any suggestions please tell us.Your 5-star reviews or comments or suggestions of improved, is the best support for us.Thank you!
Jewels 2015
- Nice, clean graphics and smooth game play
- Three game modes: Classic, Time Attack, New Model
Hope you enjoy it.
Freeze Jewels Legend
Get ready for an epic puzzle matching adventure in the frozen kingdom.
Pass the levels and try to get all stars in each level.
How to play:
Match 3 or more identical frozen jewels.
Freeze Jewels Legend features:
- Complete adventurous levels and unlock treats
- Easy and fun to play, challenging to master
- Hundreds of mysterious levels in the frozen kingdom
- More than 140 levels and multiple pretty scenes in the game.
- Match 4 jewels can win lighting jewel.
- Match 5 jewels in cross pattern to generate a bom jewel and cursh around.
- Match 5 jewels horizontally or vertically can win frozen jeweled.
- Swap two advance jewels to create special effects.
- Leaderboards to watch your friends and competitors!
Jewel Quest 4
With about 1100 Levels,the sequel to the smash hit phenomenon that took the world by storm!One New Jewel Quest Game Now is Published.
Compare to Jewel Quest 2 and 3,Now get more of the exhilarating hitting,swapping,exploding and exciting in Jewel Quest 4. It will provide you a very funny and challenging time.Also you can share your score with your friends.
Tips:In Classic Mode,Eliminate the jewels quickly can earn one blitz bonus,This will help you win the level.
★★★★★Two Game Mode:
PUZZLE Mode:
Complete the goals showed in the game.
CLASSIC Mode:
Match the jewels,destroy the backplanes until the board transparency.
★★★★★How to play?
Touch the adjacent gems to swap them.Make 3 or more with the same types together to eliminate them.Eliminate 4 or more gems to gather energy.The backplane will be destroyed when jewels on top of it was eliminated.Win a lot of goals in limited moves or time.Goals are enough score and enough backplanes.DO YOUR BEST!!
★★★★★App Advice review:
It's no walk in the park! But you keep after it til you eventually make the level. Makes you think!A lot of fun if you have the time. Very addictive.Amazing!!
★★★★★What users say?
-"Great game with smooth graphics and an musical talent that keeps you coming back."
-"Needs more levels, don't know what to play now that I have passed every level."
1.Stone can be broken by bursting jewels around it.
2.Ice and Chain can be broken by bursting jewel inside it.
3.Slime can change one of jewels next to it int itself,but it can be broken by bursting jewels around it.
We try our best to design the most interesting games,but there must be some place not good enough.If you have any suggestions please tell us.Your 5-star reviews or comments or suggestions of improved, is the best support for us.Very Thank you!
Jungle Jewels Free
Please note: This is the free version and it has ads in it. If you want to play without any ads, please download Jungle Jewels Deluxe.
These are some of the amazing features you get in Jungle Jewels:
★ 4 compelling game modes: Classic, Relaxation, Endless, and Score Attack
★ Hours of match three puzzle fun
★ Beautifully illustrated artwork
★ Exciting gameplay
★ Great dynamic soundtrack
Can you collect all parts of the mask?
If you have a question, concern or suggestion, please contact our support team by visiting: https://gameduell.zendesk.com/hc/en-us/sections/200314966-Jungle-Jewels-on-Mobile. We'd love to hear from you!
Jewel Quest 2
Do you remember our last Jewels games:Jewel Quest?This is our new version about gems.It plays just like Jewel Quest,but has a big update you will find in the game.
★★★★★App Advice review:
A challenging game that will definitely make you think twice about how easy it is to move a simple marker.
★★★★★What users say
-"Absolutely love this game can't stop playing please add more levels :)"
-"I love playing this game it keeps me very very very busy"
★★★★★How to play?
Touch the adjacent gems to swap them.Make 3 or more with the same types together to eliminate them.Collect all of the coins to win the level.Eliminate 4 or more gems to gather energy.
★★★★★Game props:
-Hammer:Touch the hammer, then touch any gem,the gem will be broken.
-Bomb:Touch the bomb,then touch any gem,four corners of the gem and the gem will be broken.
-Energy Bomb:When the energy is full,touch this bomb,then touch any gem,the gems with the same color will be broken.
-Time Clock:This tool can give you more 30 seconds to win the game.
-Stone:Can't be eliminated,but can drop.
-Ice:The gems below the ice can't drop but can be eliminated.
-Chain:This tool can drop with the gems.
We try our best to design the most interesting games,but there must be some place not good enough.If you have any suggestions please tell us.Your 5-star reviews or comments or suggestions of improved, is the best support for us.Very Thank you!


text:
Stock Photo:
An example of Islamic design cast in concrete on Amber Fort, India
- Image ID: 82300408
- Copyright: szefei
High quality images curated from over 150 countries.
Over 50 million photos, vectors, illustrations, and more.
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Video: Tags: activism
A tag is a word or phrase that helps you find video clips with similar content. View all tags »
FRONTLINE | Mohammed and Sally: An Unlikely Friendship | PBS
When they met, he was of the Muslim Brotherhood and she a leftist Coptic Christian. 01:38
FRONTLINE | "We Are a Post-Ideological Party" | PBS
Islam Lotfi, a former member of the Muslim Brotherhood's youth movement, on his new party. 00:45
FRONTLINE | "There Is No Justice" | PBS
Police brutality, a main cause of the revolution, remains unaddressed, says Gigi Ibrahim. 02:16
FRONTLINE | Muslim Brotherhood Leader: We Need Some Time | PBS
Essam El-Erian says his party is looking for the "long-term cure" to Egypt's problems. 00:45
FRONTLINE | Challenging the Idea of a Facebook Revolution | PBS
"The decision-makers in the streets can't be gauged by Facebook," says Ahmed Maher. 01:23
FRONTLINE | Hope, Even in Egypt's "Period of Imbalance" | PBS
Ahmed Maher tells FRONTLINE the revolution "will surely succeed, however long it takes." 00:40
PBS Newshour | Inside Syria, Electricity and Internet Are Lifeblood for Activists | PBS (#10128)
Turkey's foreign minister met with Syrian President Bashar Al-Assad on Monday to express his concern about the Syrian offensive, but Assad defied outside appeals to stop the deadly crackdown.... 11:55
The Open Mind | The Campaign for Educational Equity | PBS
Full Program: Michael A. Rebell, Esq. discusses the Campaign for Educational Equity. 28:30
PBS NewsHour | News Wrap: Eurozone, IMF Agree to Second Greek Bailout of $155B | PBS (#10115)
News Wrap: Eurozone, IMF Agree to Second Greek Bailout of $155B 03:52
PBS NewsHour | News Wrap: Syrian Forces Fire on Funeral Procession, Killing at Least 10 | PBS (#10113)
News Wrap: Syrian Forces Fire on Funeral Procession, Killing at Least 10 02:12
POV | Good Fortune | Wangari Maathai Talks About Development | PBS (#2305)
Maathai points out that aid organizations cannot expect communities to change overnight. 09:04
Need To Know | Carrot Mobs: The Anti-Boycott | PBS (#161)
Getting companies to do good. 06:25
American Experience | Day 10: Charles Reed Jr. | PBS (#2311)
Charles Reed Jr. discusses his thoughts at the end of the 2011 Student Freedom Ride. 03:00
American Experience | Freedom Riders | Alicia Skeeter: James Farmer Quotes | PBS (#2311)
Alicia Skeeter talks with her peers about the words of civil rights leader James Farmer. 01:42
American Experience | Freedom Riders | Reconciliation in Anniston | PBS (#2311)
Erica Shekell's video of reconciliation in Anniston, Alabama. 02:55


text:
Sweet Garden
Plant happiness in your lives.
This is only for Android !! You never see iPhone !!
◎ First, Watch what is Sweet Garden
★ Sweet Garden?
It's a completely new style of simulation game where you can raise "Ppu",
the Sweet Garden plant pet, through a widget in real-time.
★ You've never seen anything like this!
- "Ppu", the pet in Sweet Garden, moves in the widget as if it were alive.
Just watching it will make you very happy.
▣ Sweet Garden's Unique Features
1. Sweet Garden's widget allows you to turn the battery widget on and off,
based on the fact that it is operated by the widget.
2. "Ppu" talks to the user and each characteristic of "Ppu" is different.
▣ How to Install and Play
1. Download the game and install.
2. Open the game and connect the Sweet Garden server for information linkage.
3. Add the Sweet Garden widget through the menu in the background.
4. Plant a new Ppu or the ones in your Storage.
5. The Ppu will be planted in the background.
6. Touch the Ppu to view the menu for its management.
7. By touching the slate under the Ppu, you can access the menu where you can see the Storage or plant new Ppu.
- For Android devices, the widget must be installed within the internal memory to properly function.
▣ Golden Seeds & Silver Seeds
- By taking care of a fully grown Ppu, you can collect Golden and Silver Seeds.
1. By going to Sunshine Page with a fully grown Ppu, you have a high chance of earning Golden Seeds.
2. The fully-grown Ppu needs only half the amount of water as usual, so you can collect seeds with without giving much water.
3. A fully-grown Ppu will be resistant to diseases, which means it'll get sick less often.
Water Combo? – Earn tons of seeds with this combo system.
When you perform a water combo, you get a grade of SUCCESS or PERFECT and can collect additional Silver Seeds.
★ Free download and installation of Sweet Garden but, in some cases, items can be purchased for a fee.
* Feed and take care of Pou, and watch it grow!
* Play Games in the Game Room and collect Coins!
* Experiment with Potions at the Lab!
* Customize Pou's appearance!
* Try out new Outfits, Hats and Eyeglasses!
* Customize each room's Wallpaper!
* Unlock Achievements and Special items!
* Visit and play with your friends!
* Talk to Pou and listen back!
We're always listening to your suggestions to improve Pou and add new stuff! If you have any issue with the game, just contact us and we will help you! (we can't reply to comments)
http://help.pou.me! :)
Pou is available in English, French, Spanish, Catalan, Portuguese, Italian, German, Dutch, Danish, Polish, Hungarian, Romanian, Czech, Slovak, Russian, Japanese, Korean, Chinese, Persian and Arabic.
"Just between you and me, dragon parks are pretty rad." ~ TouchArcade.com
Hatched a dragon lately? Play DragonVale and raise, feed and breed your own lovable dragons.
PLEASE NOTE! DragonVale is completely free to play, but some game items can also be purchased for real money. If you don't want to use this feature, you may control in-app purchases made within this app using the password settings explained in the Google Play help center. DragonVale requires an internet connection to play (3G or WiFi).
ALSO NOTE! By playing DragonVale you may find yourself hopelessly addicted to hatching and caring for adorable dragons. You may find yourself feeding them treats, watching them grow, building and decorating their habitats, and inviting others in to view them in their floating island home. You may even find yourself choosing pairs for breeding, or racing dragons to compete for awesome prizes.
DragonVale is an enticing social experience from Backflip Studios that is sure to keep you entertained. You get:
★ Dozens of adorable dragons to raise
★ A magical island you build in the sky
★ Custom habitats where dragons graze
★ Dragon races where you win great prizes
★ Paths and decorations to delight your visitors
★ Farms to grow dragon treats
★ Full-color visuals and sparkling animations
★ An original Renaissance music soundtrack
★ Support for Facebook to visit other parks and trade gifts
Don't just take our word for it. Here's what the press has to say about DragonVale:
"This new title has a depth and higher quality of art that's reminiscent of the work that went into early console games." ~ VentureBeat.com
"Jurassic Park was cool, but really it doesn't have anything on DragonVale." ~ Gamezebo.com
"It builds up nicely, the art is colorful and fun." ~ TUAW.com
And to think it all started with an egg.
➤ Install DragonVale today. It's free!
DragonVale is brought to you by Backflip Studios, makers of absurdly fun mobile games like Paper Toss, NinJump, Ragdoll Blaster, Strike Knight, Army of Darkness, Shape Shift and Graffiti Ball. Search for "Backflip Studios" to see all our apps.
Follow @BackflipStudios on Twitter for free game announcements and other updates.
Thanks for playing!
Nail Salon Makeover
First you get to choose from different colored hands to manicure. Then, pick the nail spa and wash your customer's hand, put lotion on it, clip their nails and file their nails. Don't forget to use nail polish remover and remove the old nail paint! Now you are ready to do some serious nail art design! Create a nail design fit for any princess! From nail polishes, nail sets, nail stickers, gems, rings and even bracelets, there are literally millions of different combinations and styles you can create!
* Over 25 Nail Sets
* 15 Unique Nail Shapes
* 25 Rings to Make Your Fingers Shine
* 10 Beautiful Wrist Bracelets
* 20 Amazing Backgrounds to Make Your Nail Art Stand Out
* Over 60 Nail Polish Paints
* Sparkling Gems to Add Some Bling To Nails
* Over Three Dozen Nail Stickers
* Ability To Customize Each Finger Nail!
Don't Wait, Download Now and Start Nail Styling!
Please Note: Nail Salon Makeover is free to play. However, some items can also be purchased with real money. If you do not want to use this feature, please setup password protection for purchases in the settings of your Google Play Store app.
About TapBlaze
Our vision is to build an enduring franchise that gamers will still be excited about decades from now. At TapBlaze, we strive to develop high-quality, creative games that people of all ages will find entertaining, educational, fun, and useful. We believe our attention to detail, commitment to player satisfaction, and expertise in the mobile space will make our games stand out.
For the Latest Updates and Learn More About Us, Follow Us On:
Facebook: https://www.facebook.com/tapblaze
Twitter: https://twitter.com/TapBlaze
Instagram: http://instagram.com/tapblaze
YouTube: https://www.youtube.com/user/TapBlazeGames
Website: http://www.tapblaze.com/about/
Moy 2 - Virtual Pet Game
Moy 2 is packed with loads of new ways to take care of and love your very own virtual pet, Moy 2 is fun for both adult and kids. The game is packed with cool animations and playful graphics!
- GARDEN, grow your own plants in the cute pocket garden!
- CUSTOMIZE Moy and dress him in many different looks!
- CURE, be Moy's doctor and treat him from all kinds of diseases
- WASH, wash Moy's dirty clothes in the funny washing machine!
- SLEEP, do not forget that Moy gets sleepy!
- FEED, whenever Moy is Hungry, feed him!
- SING, Moy can sing and talk!
- PLAY, play awesome mini games to earn coins!
- SHARE, share your own Moy with friends and family on facebook and other social medias!
Garden Mania 2
In Garden Mania 2, you need to switch and match three or more adorable crops to collect them and target the levels. But more type of crops and animals, more interesting game modes, more and more new things are introduced. You will get a totally fresh new experience. Come on, let's continue the fantastic journey and get the most fun out of the adventure!
Garden Mania 2 Features:
★ Hundreds of well-designed levels - each one is unique and full of fun and amazing challenges!
★ EASY TO LEARN - hard to master! Can you score high enough to earn 3 stars on every level?
★ Gather all kinds of cute crops to target the level before you run out of moves!
★ Rechargeable boosters, extra moves and special power-ups to help with those challenging levels!
★ Facebook Connect - sync your progresses and beat your friends' scores!
★ Fresh and beautiful style, bright and vibrant graphics & effects!
FREE to play with FREE updates including new levels, obstacles, boosters, and more!
Become a fan of Ezjoy on Facebook:
Baby Hospital
The nurse has to send the babies out after making them happy by using various babies
supplies(diaper, powdered milk, injection).
You will earn points by assigning the newborn baby with your mouse and by solving the complaints. Take good care of the babies within the time limit.
Garden Mania
Garden Mania Features:
★ 100+ Well-designed levels - each one is unique and full of fun and amazing challenges!
★ EASY TO LEARN - hard to master! Can you score high enough to earn 3 stars on every level?
★ Gather all kinds of cute crops to target the level before you run out of moves!
★ Rechargeable boosters, extra moves and special power-ups to help with those challenging levels!
★ Fresh and beautiful style, bright and vibrant graphics & effects!
★ FREE to play with FREE updates including new levels, obstacles, boosters, and more!
Littlest Pet Shop
Help BLYTHE and her friends Minka, Penny, Pepper, Russell, Sunil, Vinnie and Zoe to adopt, take care of and entertain cute little pets!
* 150 pets to collect! Dogs, cats, bears and more!
* Wash them, feed them and play with them in fun mini-games.
* Build houses and play areas to welcome and entertain even more pets.
You can download and play this game for free. Please be informed that it also allows you to play using virtual currency, which can be acquired as you progress through the game, or by paying with real money. Purchases of virtual currency using real money are performed using a credit card, or other form of payment associated with your account, and are activated when you input your Google Play account password, without the need to re-enter your credit card number or PIN.
In-app purchases can be restricted by adjusting the authentication settings within your Play Store settings (Google Play Store Home > Settings > Require authentication for purchases) and setting up a password for each purchase / Every 30 minutes or Never.
Disabling password protection may result in unauthorized purchases. We strongly encourage you to keep password protection turned on if you have children or if others could have access to your device.
Certain aspects of this game will require the player to connect to the Internet.
Visit our official site at http://www.gameloft.com
Follow us on Twitter at http://glft.co/GameloftonTwitter or like us on Facebook at http://facebook.com/Gameloft to get more info about all our upcoming titles.
Privacy Policy : http://www.gameloft.com/privacy-notice/
Terms of Use : http://www.gameloft.com/conditions/
End User License Agreement : http://www.gameloft.com/eula/
Kids Glow - Doodle with Stars!
Don't limit the imagination of a young mind, you can paint and draw with everything, including the twinkling stars.. Try to make a glistening painting with Kids Glow, using only your finger. Applause with your heart on the kids' works, save them into your album, and enjoy the amazing collection with your family and friends.
Start to doodle like a child!
Millions of people love Kids Glow:
★★★★★"This game is so fun, I really like it. it is awesome. Play it NOW"★★★★★
★★★★★"AWESOME Its really cool! I luv how the little shapes are and colors!!! 5stars!!! :)"★★★★★
★★★★★"Unique Amazing app. Really popular with all ages especially kids. Bright,colourful and addictive. Lovely, awesome and amazingly fantastic"★★★★★
It's such a sweet moment with your family:
★★★★★"Cool My son loves this app. I end up with like 100 pictures that he has made me."★★★★★
★★★★★"Great drawing app. My grandkids love this game. They spend hours playing, causing my battery to deplete! I need another phone so they both can play! Great fun time."★★★★★
★★★★★"Fun with son I have a great time doodling with my 3 year old boy on this."★★★★★
★★★★★"Awesome I can't wait to show my son&my granddaughter they r going to love it as much as I do,I prob will not get my phone back lol. Thank u for this app keep them coming."★★★★★
★★★★★"A wonderful app for any age. This is another app that both my 4 y.o. granddaughter and I enjoy. She draws on her tablet, I draw on mine, then we trade to view each other's."★★★★★
And even it's not only for kids... probably you just find back the kid in your heart:
★★★★★"Downloaded for my granddaughter, but I love it. It's fun and relaxing for me."★★★★★
★★★★★"Kids Glow Not just for kids! I love doodling on it! Gives me something to do and usually turns out pretty awesome!"★★★★★
★★★★★"Lots of fun... And I'm 28 years old. Mt 4 year loves it as much as I do. Must have for those who like to doodle. Save the paper and save your little ones creations forever."★★★★★
With Kids Glow, you can:
* Use brushes of 11 different styles, to make your glow paintings.
* Load your own pictures as background.
* Select your favorite from the particles and the candy colors, or... just see what Kids Glow can bring you!
* Adjust the size and life cycle.
* Save the paintings to the album and share with your family!
* Undo any stroke if you don't like it, or just shake the phone to clear all.
* Make a colorful note with the 2D brush and particles.
**We also have iPhone/iPad version now!!
Search for "Kids Glow" in App Store~
My Talking Tom - Virtual Pet
Dress him up any way you like and pick from a wide selection of fur colors and other accessories. Decorate his home and check out how others decorated their My Talking Tom homes. Play games with your Tom and watch as he becomes a part of your everyday life.
- Play over 10 mini-games: Happy Connect, Bubble Shooter, Planet Hop and more! Earn gold coins and have fun!
- Record & watch videos: Record and share your own My Talking Tom videos and watch other videos too. (Only available on select devices running Android 4.1+, see the list at http://tinyurl.com/listmtt)
- Nurture your very own Tom: Play games with him, feed him his favorite foods, tuck him into bed.
- Visit your friends & other players' Talking Toms: Check out the apartments and look of other Toms, find treasure chests and get coins!
- Enjoy life-like emotions: Tom can be happy, hungry, sleepy, bored... his emotions change according to how you play with him.
- Unleash your creativity: Create your very own Tom by choosing from 1000's of combinations of furs, clothing and furniture.
- Get rewards as you progress: Help Tom grow through 9 different stages and 999 levels unlocking new items and coins as you go!
- Interact with Tom: Talk and Tom still repeats everything you say. Poke, stroke and tickle him, and watch how he responds.
This app is PRIVO certified. The PRIVO safe harbor seal indicates Outfit7 has established COPPA compliant privacy practices to protect your child's personal information. Our apps do not allow younger children to share their information.
This app contains:
- Promotion of Outfit7's products and contextual advertising
- Links that direct customers to our websites and other Outfit7 apps
- Personalization of content to entice users to play the app again
- The possibility to connect with friends via social networks
- Watching videos of Outfit7's animated characters via You Tube integration
- The option to make in-app purchases
- Items are available for different prices in virtual currency, depending on the current level reached by the player
- Alternative options to access all functionalities of the app without making any in-app purchases using real money
Terms of use: http://outfit7.com/eula-android/
Privacy policy: http://outfit7.com/privacy-policy/
Hidden Object - Garden Wedding
This brand new game has all the twists and tricks you love from your favorite games: it has Hidden Object sessions, quick Match 3 games and lots of other fun activities! Come, help Mary make her dreams come true!
Game Features:
- Story Mode: Help Mary restore her garden! Hold jumble sale to make money which you can spend to buy a variety of Garden stuff to make it the perfect wedding location!
- GORGEOUS Hidden Object scenes (Now with animations)
- ALL NEW interesting customers
- UP TO 75 decor items around Wedding theme
- Upload your own couple photo to the game and share it with your loved ones!
- Player Level system: gain experience from actions and unlock new features
- FUN FACTS: Learn Wedding facts as you play!
- Game Modes: There are more than 15 different game modes!
- Daily Spin: Get back to the game everyday to earn free bonus coin!
- Unlimited Game: Unlimited levels which span around 15 gorgeous scenes!
Happy Garden Story
★ An addictive match-3 adventure challenged with funny fruits from farm
★ Eye-catching graphics and colorful gameplay.
★ Friendly and fascinating characters.
★ Spectacular boosters and bonus rewards to help with those challenging levels.
Enjoy your farm mania experience.
Come on, let's continue the fantastic journey and get the most fun out of the adventure!
Tamagotchi Classic
++ Game Introduction ++
- Now you can play the original Tamagotchi on your smartphone! -
Give them food, flush their droppings, and all the other fun things you can do to care for your Tamagotchi. Respond to your Tamagotchi's calls diligently and raise them well.
- Two fun modes to raise your Tamagotchi! -
There's a Toy Mode which recreates the original Tamagotchi devices from back when they first hit the scene, and a fully colored, touch screen enabled App Mode that you can switch between whenever you want! App Mode on this app is the only place in the world you can experience and raise Tamagotchi with special colors!
- Collect Your Tamagotchi in the Gallery -
Put all of the Tamagotchi you raise into a collection in your Gallery, and save pictures of them on your camera roll!
You can even get special backgrounds or shells for use in the game once you've raised a bunch of Tamagotchi!
Start raising your Tamagotchi today!
This application is distributed under the official rights from the license holder.
[Terms of Service]
[Recommended OS version]
Android 2.3 or later
(1) Operation is not supported for the models and OS versions other than those recommended.
(2) Depending on your usage, there may be cases where operation is unstable even with the recommended models.
(3) Regarding recommended OS versions, although it says [AndroidXXX or later] this does not guarantee that it will support the latest version.
[Latest recommended models and other inquiries]
*English support only
For any inquiries:
BANDAI NAMCO Entertainment Inc. Website:
On April 1st, 2015, our company changed its name from "BANDAI NAMCO Games Inc." to "BANDAI NAMCO Entertainment Inc."
Hidden Object - Summer Garden
Summer Garden features 25 scenes full of fantastic flora and artfully hidden items.
Three different modes of play:
NORMAL Mode - Timed, limited hints and exciting bonus rounds.
CASUAL Mode - A nice and relaxing experience.
CHALLENGE Mode - An extra challenge for those willing to accept it!
Four ways to find items:
Find by PICTURE - discover the items with a list of pictures.
Find by SILHOUETTE - find the items using only their silhouettes.
Find by WORD - a list of words is what you get to find each item in the scene.
Find by RANDOM - A random selection of the above modes for an extra challenge!
Images are in beautiful HD with a zoom feature. A training mode and hints are also included.
Have some fun in the (virtual) summer sun!
수장룡 키우기 공룡게임-아기 공룡 코코 공룡탐험 시리즈
어린이를 위한 공룡탐험 시리즈 - 공룡게임, 공룡놀이
"수장룡의 세계"
1. 재미있는 수장룡 세계 - 공룡게임
공룡시대 바닷속에서 펼쳐지는 수장룡의 세계
수장룡이 바닷속을 돌아다니며 먹이 사냥을 하고, 먹이를 먹을 수 록 몸집이 커지는 액션 게임
아이들이 좋아하는 공룡시대 공룡게임
어린이들이 좋아할 수 있는 공룡캐릭터 액션 놀이
무시무시한 수장룡들이 펼치는 바닷속 공룡게임
재미있는 효과음이 게임의 흥미를 더욱 불러 일으킵니다.
2. 공룡들을 재미있게 알아가는 수장룡 스티커 놀이
수장룡을 재미있에 알아 볼 수 있는 수장룡 스티커 놀이
스티커를 완성할 수 록 공룡에 대한 정보를 알 수 있어요.
수장룡 도감을 통해 수장룡들의 크기를 비교하며 재미있게 공룡공부를 할 수 있습니다.
3. 수장룡의 세계 - 스토리
공룡시대 바다에는 무시무시한 거인들이 돌아 다녔어요. 육지에는 공룡이 있다면 바다에는 그 보다 더 거대한 수장룡이 있었어요.
수장룡들은 몸집에 비해 입과 이빨리 과도하게 컸어요. 그래서 자신보다도 더 큰 먹이를 사냥할 수 있었어요. 그런데 아기 공룡 코코는 익룡과 공룡세계를 탐험하다 그만 바닷속에 빠져버렸어요. 바닷속에 코코가 빠져 버리자 수장룡들이 코코를 잡아먹기 위해 달려들었어요. 그러나 코코는 운좋게 수장룡들을 피해 커다란 소라껍질 속으로 숨어버렸어요.
코코는 위기를 벗어났지만 바닷속의 온갖 수장룡들이 가득한 것을 보고 놀라지 않을 수 없었어요.
4. 공룡게임 특징
아기 수장룡인 모사사우루를 공룡사냥을 통해 성장을 시키는 공룡키우기 게임
새끼 모사사우루스가 공룡사냥을 할때 마다 재미있는 효과음이 나타납니다.
또한 공룡사냥을 통해 먹이를 먹을 수 록 수장룡이 점점 더 커지는 재미있는 공룡키우기 놀이입니다.
공룡시대의 바닷속에 살았던 온갖 수장룡이 등장합니다. 공룡키우기 게임을 통해 아이들에게 교육적인 요소를 심어 줄 수 있습니다.
공룡사냥하는 과정을 재미있는 방법으로 묘사하여 어린이들이 좋아합니다.
게임단계를 클리어 할 수 록 더욱 난이도가 높아지고 공룡사냥의 재미가 점점 높아집니다.
5. 아기 공룡 코코의 공룡탐험 시리즈
1편에서는 아기 공룡 코코의 탄생의 비밀과 왜 모험을 떠나는지 이유를 알 수 있습니다.
2편은 본격적인 모험이 펼쳐집니다.
3편은 공룡키우기 게임으로 본격적인 공룡게임 놀이를 할 수 있습니다.
출시예정인 4편에서는 육식공룡 티라노사우스의 성장과정을 볼 수 있는 공룡키우기 게임 2편을 볼 수 있습니다.
개발자 연락처 :
전화번호 : 070-8959-1690
이메일 : firstname.lastname@example.com
팩스 : 031-8039-4690
Moy 3 - Virtual Pet Game
- Aquarium, take care of cute fish in your own pocket aquarium!
- Customize Moy and dress him in many different looks!
- Travel, visit other Moys around the world and find hidden presents!
- Wash, wash Moy's dirty clothes in the funny washing machine!
- Clean, clean the room with the funny vacuum cleaner whenever it is dirty!
- Sleep, do not forget that Moy gets sleepy!
- Cooking, be Moys chef and cook him all kinds of food whenever he is hungry!
- Talk, now you can talk with moy!
- Play, play awesome mini games to earn coins!
- Share, share your own Moy with friends and family on facebook, twitter and other social medias!
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전부다 자신의 개성을 뚜렷히 가지고 있습니다.
몬스터들 끼리의 연속기를 즐겨보세요!!
몬스터들과 대화하면서 게임을 즐겨보세요!!
몬스터들을 항상 보면서 길러주세요!! (위젯 게임 특허)
개발자 연락처 :


text:
This weekend is Open Aircraft Days at March Field Museum, in Moreno Valley: http://www.marchfield.org/
If you're an airplane afecionado, or WWII enthusiast, you really should try to make it to the museum. The have a great collection of aircraft, from 1920's biplanes to SR-71's to MIG's and everything in between.
During Open Aircraft Days, you are allowed to explore selected airplanes in the collection!
Lots of fun for not a big price: $7 adults, $3 for kids.


text:
10:30 PM ET, November 17, 2007
McKale Center, Tucson, Arizona
Top Performers
Virginia: S. Singletary 24 Pts, 4 Reb, 8 Ast, 1 Stl
Arizona: J. Bayless 21 Pts, 4 Reb, 4 Ast, 1 Stl
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