text:
The 2012/13 Championship campaign gets underway with Cardiff versus Huddersfield on Friday night and if it's anywhere near as good as last season, then we are in for a treat.
The magnificent spectacle that was the London 2012 Olympics has meant a change in structure for the new season, with both the Football League and Premier League kicking off on the same weekend.
This year's Championship promises to be a close-run thing, with a host of promotion contenders vying for a shot at the big time.
Wolves, Blackburn and Bolton all dropped down to the second tier last term and they will be looking to bounce back at the first time of asking. Charlton, Sheffield Wednesday and Huddersfield have joined the ranks hoping to first stay up, then push towards the top-half of the table.
Bolton are the early favourites to clinch the Championship title, with boss Owen Coyle assembling a young squad, mixed with some experienced heads, as he tries to bring success to the Reebok Stadium. Matt Mills is a quality player at this level and the addition of Keith Andrews will bring energy to the midfield.
Like Bolton, Blackburn will be targeting promotion and Rovers are heavily fancied thanks to their summer recruitment drive. Steve Kean will be hoping veteran frontman Nuno Gomes can still get goals at this level, while Danny Murphy arrives with bags of ability and experience.
Birmingham could have an outside chance of breaking into the top two after making some shrewd signings. Peter Lovenkrands, Hayden Mullins and Darren Ambrose have all made the move to St Andrew's.
While the battle at the top of the table looks set to be as competitive as ever, so does the scrap to avoid the drop. Barnsley only just stayed up last season, finishing 21st, and Keith Hill has a lack of options up top after losing new signing Mido for three months due to injury.
Bristol City, Peterborough and Crystal Palace are other possible relegation candidates. Palace have a thin squad and have lost key players in Ambrose, Nathaniel Clyne and Sean Scannell. Posh boss Darren Ferguson did well last year on a tight budget, but they will do well to replicate those efforts this season. Bristol City boss Derek McInnes managed to keep the Robins up last term but, with limited additions made this summer, they could have another battle on their hands.
Manager: Keith Hill
Position last season: 21st
Nickname: The Tykes
Ground: Oakwell
Capacity: 23,009
Players in: Lee Collins (Port Vale, undisclosed), Kelvin Etuhu (Portsmouth, free), Jacob Mellis (Chelsea, free), Mido (Zamalek, free), Ben Alnwick (Tottenham, free), Toni Silva (Liverpool, free), Tomasz Cywka (Reading, free), Marlon Harewood (free)
Players out: David Cotterill (Doncaster, free), Jay McEveley (Swindon, free), Jacob Butterfield (Norwich, undisclosed), Nathan Doyle (Bradford, free), Alistair Taylor, David Preece and Andy Gray (all released)
Key man: Luke Steele
Chances: More wheeling and dealing in the transfer market for manager Keith Hill, but the Tykes are set for another tough season.
Manager: Lee Clark
Position last season: 4th
Nickname: Blues
Ground: St Andrew's
Capacity: 30,009
Players in: Peter Lovenkrands (Newcastle, free), David Lucas (Rochdale, free), Hayden Mullins (Portsmouth, undisclosed), Darren Ambrose (Crystal Palace, undisclosed), Ravel Morrison (West Ham, season-long loan), Ben Gordon (Chelsea, loan)
Players out: Jordon Mutch (Cardiff, undisclosed), Ben Foster (West Brom, undisclosed), Luke Hubbins (AFC Telford, free), Caleb Folan, Enric Valles, Cian Hughton and Ashley Sammons (released)
Key man: Curtis Davies
Chances: Birmingham will be hoping they can improve on last season's play-off semi-final defeat with new manager Clark at the helm. Clark has added Lovenkrands, Ambrose and Morrison to his already talented squad to aid the promotion push.
Manager: Steve Kean
Position last season: 19th in Premier League
Nickname: Rovers
Ground: Ewood Park
Capacity: 31,154
Players in: Danny Murphy (Fulham, free), Leon Best (Newcastle, £3million), Nuno Gomes (Braga, free), Fabio Nunes (Portimonense, undisclosed), Paulo Jorge (FC Porto B, undisclosed), Edinho (Olhanense, £500,000), Dickson Etuhu (Fulham, £1million), Colin Kazim-Richards (Galatasaray, loan)
Players out: Ayegbeni Yakubu (Guangzhou R&F, undisclosed), Ryan Edwards (Rochdale, six-month youth loan), Junior Hoilett (QPR, free), Matthew Pearson (Rochdale, free), Jackson Ramm (Colchester, free), Michel Salgado, Vince Grella, Zac Aley, Jamie Maclaren and Herold Goulon (all released), Myles Anderson (Aldershot, loan), Nick Blackman (Sheffield United, undisclosed), Jordan Slew (Oldham, loan)
Key man: Danny Murphy
Chances: Following turmoil on and off the pitch as Rovers were relegated from the Premier League last season, Kean has enjoyed the backing of owners Venky's in the transfer market. Promotion is the expectation but a serious pre-season injury to Best could be a significant blow.
Manager: Ian Holloway
Position last season: 5th
Nickname: The Seasiders, the Tangerines
Ground: Bloomfield Road
Capacity: 16,220 (under development)
Players in: Jake Caprice (Crystal Palace, free), Isaiah Osbourne (Hibernian, undisclosed), Scott Robertson (Dundee United, free), Tiago Gomes (free), Adda Djeziri (free), Alberto Noguera (free), James Caton (free)
Players out: Lomana LuaLua (Karabukspor, free), Brett Ormerod (Wrexham, free), Daniel Bogdanovic and Stephen Husband (released), Matt Hill (Sheffield United, free)
Key man: Tom Ince
Chances: Ian Holloway's side are expected to be in contention once again following play-off heartache against West Ham, having kept hold of livewire wingers Ince and Matt Phillips.
Manager: Owen Coyle
Position last season: 18th in Premier League
Nickname: The Trotters
Ground: Reebok Stadium
Capacity: 28,723
Players in: Keith Andrews (West Brom, free), Matt Mills (Leicester, undisclosed), Joe McKee (free) Andy Lonergan (Leeds, undisclosed), Benik Afobe (Arsenal, season-long loan)
Players out: Jussi Jaaskelainen (West Ham, free), Robbie Blake (Doncaster, free), Rhys Bennett (Rochdale, free), Tope Obadeyi (Rio Ave, free), Mark Connolly (Crawley, free), Ivan Klasnic, Gretar Steinsson, Paul Robinson, Sean Davis, Ricardo Gardner and Dino Fazlic (released), Tom Eckersley (Accrington, free), Fabrice Muamba (retired)
Key man: Martin Petrov
Chances: Many people's favourites for promotion having retained most of a youthful Premier League squad from last term, while Mills and Andrews are shrewd additions at Championship level.
Manager: Gus Poyet
Position last season: 10th
Nickname: The Seagulls
Ground: American Express Community Stadium
Capacity: 22,374
Players in: Tomasz Kuszczak (Manchester United, free), Bruno Saltor (Valencia, free), Wayne Bridge (Manchester City, loan), Andrew Crofts (Norwich, undisclosed)
Players out: Alan Navarro (Swindon, free), Michael Poke (Torquay, free), David Gonzalez and Leon Redwood (both released)
Key man: Vicente
Chances: Having sorted his goalkeeping problems by bringing in Kuszczak and keeping hold of talented Spanish playmaker Vicente, Poyet has a side capable of reaching the play-offs at least.Sky Bet odds: 16/1
Manager: Derek McInnes
Position last season: 20th
Nickname: The Robins
Ground: Ashton Gate
Capacity: 21,497
Players in: Jody Morris (St Johnstone, free), Paul Anderson (Nottingham Forest, free), Tom Heaton (Cardiff, free),
Players out: Jamal Campbell-Ryce (Notts County, free), Jamie McAllister (Yeovil, free), David James, David Clarkson, Christian Ribeiro, Marlon Jackson, Danny Ball and Henry Muggeridge (all released)
Key man: Albert Adomah
Chances: McInnes is regarded as one of the most highly-rated managers in Britain and enjoyed instant success at Ashton Gate as he steered the Robins clear of relegation last season. He will be hoping for a higher finish in his first full campaign in charge.
Manager: Eddie Howe
Position last season: 13th
Nickname: The Clarets
Ground: Turf Moor
Capacity: 22,546
Players in: Luke O'Neill (Mansfield, undisclosed), George Porter (Leyton Orient, free), Jason Shackell (Derby, undisclosed), Joseph Mills (Reading, season-long loan), Sam Vokes (Wolves, undisclosed), Brian Stock (Doncaster, undisclosed)
Players out: Jay Rodriguez (Southampton, undisclosed), Andre Amougou, Clarke Carlisle, Brian
Easton, Alex-Ray Harvey, Joe McKee, Dominic Knowles, Neil Yadolahi, David Lynch and Ross Wilson (all released), Joe Jackson and Tom Anderson (both AFC Barrow, loan).
Key man: Charlie Austin
Chances: Howe's youthful squad will strive for greater consistency and are outsiders for a play-off push, although the pressure will be on Austin to fill the void in attack left by Rodriguez's move to Southampton.
Manager: Malky Mackay
Position last season: 6th
Nickname: The Bluebirds
Ground: Cardiff City Stadium
Capacity: 26,828
Players in: Joe Lewis (Peterborough, free), Jordon Mutch (Birmingham, undisclosed), Kim Bokyung (Cerezo Osaka, undisclosed), Heidar Helguson (QPR, undisclosed), Craig Bellamy (Liverpool, free)
Players out: Aaron Wildig (Shrewsbury, free), Tom Heaton, Lee Naylor, Paul Quinn, Jon Meades, Alex Evans and Jordan Santiago (all released), Anthony Gerrard (Huddersfield, £350,000)
Key man: Peter Whittingham
Chances: After missing out on promotion to the Premier League yet again, manager Mackay will be hoping to finally be the man to lead the club into the top flight. The Bluebirds have ditched their famous blue kit in favour of red - could that be their lucky charm?
Manager: Chris Powell
Position last season: 1st in League One
Nickname: The Addicks
Ground: The Valley
Capacity: 27,111
Players in: Lawrie Wilson (Stevenage, undisclosed), Jordan Cook (Sunderland, free), Slaim Kerkar (Rangers, free)
Players out: Gary Doherty (Wycombe, free), Freddie Warren (Barnet, free), Jason Euell, Mikel Alonso and Tosan Popo (all released)
Key man: Johnnie Jackson
Chances: A quiet summer down at The Valley following last year's overhaul, but boss Powell believes his League One champions can make the step up, and he should be proved right.
Manager: Dougie Freedman
Position last season: 17th
Nickname: The Eagles
Ground: Selhurst Park
Capacity: 26,309
Players in: Joel Ward (Portsmouth, £400,000), Aaron Martin (Southampton, season-long loan), Aaron Wilbraham (Norwich, free), Peter Ramage (free)
Players out: Anthony Gardner (Sheffield Wednesday, free), Sean Scannell (Huddersfield, undisclosed), Darren Ambrose (Birmingham, undisclosed), Lee Hills (Stevenage, free), Calvin Andrew, Nathaniel Pinney, Jake Caprice and Charlie Holness (all released), Nathaniel Clyne (Southampton, undisclosed)
Key man: Wilfried Zaha
Chances: Losing Ambrose and Clyne would be a blow to any club in the Championship but Palace's squad looks worryingly thin, although there are plenty of youngsters hoping to follow in Zaha's footsteps.
Manager: Nigel Clough
Position last season: 12th
Nickname: The Rams
Ground: Pride Park
Capacity: 33,597
Players in: Michael Jacobs (Northampton, undisclosed compensation), Paul Coutts (Preston, undisclosed), Richard Keogh (Coventry, undisclosed), James O'Connor (Doncaster, undisclosed), Michael Hoganson (Newcastle, released)
Players out: Paul Green (Leeds, free), James Severn (Scunthorpe, free), Chris Maguire (Sheffield Wednesday, free), Lee Croft (Oldham, season-long loan), Miles Addison (Bournemouth, undisclosed), Jason Shackell (Burnley, undisclosed), Callum Ball (Coventry, season-long loan)
Key man: Jamie Ward
Chances: Progression under Nigel Clough continued last season and after strengthening his defensive options this summer, the Rams boss will be looking for his side to break into the top 10.
Manager: Simon Grayson
Position last season: 4th
Nickname: The Terriers
Ground: Galpharm Stadium
Capacity: 24,500
Players in: Sean Scannell (Crystal Palace, undisclosed), Paul Dixon (free, Dundee United), Oliver Norwood (Manchester United, free), Adam Clayton (Leeds, undisclosed), Joel Lynch (Nottingham Forest, free), Anthony Gerrard (Cardiff, £350,000)
Players out: Danny Cadamarteri (Carlisle, free), Tommy Miller (Swindon, free), Gary Roberts (Swindon, free), Nathan Clarke (Leyton Orient, free), Aidan Chippendale (Accrington, free), Gary Naysmith, Greg Pearson and Simon Thomas (all released), Anthony Kay (MK Dons, free)
Key man: Jordan Rhodes
Chances: Back in the second tier for first time since 2001 and strengthened enough to stay out of trouble.
Manager: Steve Bruce
Position last season: 8th
Nickname: The Tigers
Ground: KC Stadium
Capacity: 25,586
Players in: Eldin Jakupovic (Aris, released), Ben Amos (Manchester United, season-long loan), Nick Proschwitz (SC Paderborn, £2.5million), Abdoulaye Faye (West Ham, free), Sone Aluko (Rangers, free), Alex Bruce (Leeds, free)
Players out: Will Atkinson (Bradford, free), Kevin Kilbane (Coventry, free), Mark Cullen (Bury, loan)
Key man: Robert Koren
Chances: The Allam family who own the club have backed new boss Bruce and expect a play-off finish at least.
Manager: Paul Jewell
Position last season: 15th
Nickname: The Tractor Boys
Ground: Portman Road
Capacity: 30,311
Players in: Elliott Hewitt (Macclesfield, undisclosed), Luke Chambers (Nottingham Forest, free), Scott
Loach (Watford, undisclosed)
Players out: Grant Leadbitter (Middlesbrough, free), Richard Wright (Preston, free), Lee Bowyer, Ibrahima Sonko and Cody Cropper (all released), Mark Kennedy (retired)
Key man: Tommy Smith
Chances: Jewell will be looking for his Ipswich squad to improve on the two mid-table finishes he has overseen so far. Having only brought three new players to Portman Road, he will need a good start to target a top-half place.
Manager: Neil Warnock
Position last season: 14th
Nickname: The Whites
Ground: Elland Road
Capacity: 37,697
Players in: Jason Pearce (Portsmouth, £500,000), Adam Drury (Norwich, free), Paul Green (Derby, free), Paddy Kenny (QPR, £500,000), Andy Gray (Barnsley, free), Jamie Ashdown (Portsmouth, free), Luke Varney (Portsmouth, free), David Norris (Portsmouth, free), Lee Peltier (Leicester, undisclosed), Rodolph Austin (SK Brann, free), El Hadji Diouf (free)
Players out: Maik Taylor (Millwall, free), Lloyd Sam, Mikael Forssell and Danny Webber (all released), Adam Clayton (Huddersfield, undisclosed), Andy Lonergan (Bolton, undisclosed), Robert Snodgrass (Norwich, £3million), Alex Bruce (Hull, free), Billy Paynter (Doncaster, undisclosed)
Key man: Ross McCormack
Chances: Despite the loss of captain Snodgrass to Norwich, manager Warnock has made a number of shrewd signings as he aims to get Leeds back into the top flight. They will be among the promotion contenders.
Manager: Nigel Pearson
Position last season: 9th
Nickname: The Foxes
Ground: King Power Stadium
Capacity: 32,262
Players in: Ritchie de Laet and Matty James (Manchester United, undisclosed), Jamie Vardy (Fleetwood, £1million), Marko Futacs (Portsmouth, undisclosed compensation), Zak Whitbread (Norwich, free), Anthony Knockaert (Guingamp, undisclosed)
Players out: Sol Bamba (Trabzonspor, undisclosed), Oliver Norburn (Bristol Rovers, free), John Pantsil, Steve Howard, Elliott Chamberlain, Matt Oakley, Aleksandar Tunchev, Darius Vassell and Franck Moussa (all released), Matt Mills (Bolton, undisclosed), Chris Weale (Shrewsbury, free), Lee Peltier (Leeds, undisclosed)
Key man: Neil Danns
Chances: Narrowly missed out on the play-offs last season. Will finish in the top six at least this time around and should challenge for an automatic promotion place.
Manager: Tony Mowbray
Position last season: 7th
Nickname: Boro
Ground: Riverside Stadium
Capacity: 34,988
Players in: Grant Leadbitter (Ipswich, free), Stuart Parnaby (unattached), Emanuel Ledesma (Walsall, free), George Friend (Doncaster, undisclosed), Christian Burgess (Arsenal, free), Jonathan Woodgate (Stoke, free), Mustapha Carayol (Bristol Rovers, undisclosed), Jayson Leutwiler (free)
Players out: Barry Robson (Vancouver Whitecaps, free), Jonathan Franks (Hartlepool, free), Jonathan Grounds (Oldham, free), Tony McMahon (Sheffield United, free)
Key man: Marvin Emnes
Chances: Middlesbrough missed out on a place in last season's play-offs by five points having long been contenders. Mowbray's side will be hoping for better fortunes at home having won just eight of their 23 games at the Riverside Stadium last term. Another promotion-chasing season beckons, though.
Manager: Kenny Jackett
Position last season: 16th
Nickname: The Lions
Ground: The Den
Capacity: 20,146
Players in: Maik Taylor (Leeds, free), Scott Malone (Bournemouth, player exchange), Chris Taylor (Oldham, free), Karleigh Osborne (Brentford, free), Danny Shittu (free)
Players out: Chris Hackett (Northampton, free), Tony Craig (Brentford, undisclosed), Ryan Allsop (Leyton Orient, free), Josh McQuoid (Bournemouth, player exchange) Hamer Bouazza, Jordan Stewart, Jake Gallagher and Conor McLaren (all released)
Key man: Andy Keogh
Chances: Millwall struggled with their home form last season and manager Jackett will be hoping for better down at The Den. Too good to go down but the play-offs remain well out of reach.
Manager: Sean O'Driscoll
Position last season: 19th
Nickname: The Reds
Ground: City Ground
Capacity: 30,603
Players in: Adlene Guedioura (Wolves, undisclosed), Danny Collins (Stoke, free), Greg Halford (Portsmouth, free), Dan Harding (Southampton, free), Simon Gillett (free agent), Daniel Ayala (Norwich, season-long loan), Simon Cox (West Brom, undisclosed
Players out: Garath McCleary (Reading, undisclosed), Luke Chambers (Ipswich, free), Joel Lynch (Huddersfield, free), Chris Gunter (Reading, undisclosed)
Key man: Lewis McGugan
Chances: The 2011/12 season was a tough one both on and off the pitch. The Al Hasawi takeover looks to have stabilised the club and, although several key players have left the City Ground this summer, the replacements new manager O'Driscoll has brought in could see Forest return to mount a challenge for the play-offs.
Manager: Darren Ferguson
Position last season: 18th
Nickname: The Posh
Ground: London Road
Capacity: 15,315
Players in: Tyrone Barnett (Crawley, £1.2million), Shaun Brisley (Macclesfield, undisclosed), Nathanial Knight-Percival (Wrexham, free), Danny Swanson (Dundee United, free), Robert Olejnik (Torquay, undisclosed), Nathaniel Mendez-Laing (Wolves, undisclosed), Michael Bostwick (Stevenage, undisclosed), Jonson Clarke-Harris (Coventry, free)
Players out: Joe Lewis (Cardiff, free), Paul Jones (Crawley, free), Nathan Ralph (Yeovil, free), David Ball (Fleetwood, undisclosed)
Key man: Lee Tomlin
Chances: Just held their own last season on their return to the second tier. Posh will be aiming for a mid-table finish but it could be another nervy conclusion to the campaign.
Manager: Dave Jones
Position last season: 2nd in League One
Nickname: The Owls
Ground: Hillsborough
Capacity: 39,812
Players in: Chris Kirkland (Wigan, free), Kieran Lee (Oldham, free), Joe Mattock (West Brom, free), Anthony Gardner (Crystal Palace, free), Chris Maguire (Derby, undisclosed), Diogo Amado (Uniao Leiria, free), Nejc Pecnik (CD Nacional, free), Rhys McCabe (Rangers, free), Michael Antonio (Reading, undisclosed)
Players out: Richard O'Donnell (Chesterfield, free), Clinton Morrison (Colchester, free), Chris Sedgwick, Jon Otsemobor, Sean Cuff and Vadaine Oliver (all released), Liam Palmer (Tranmere, loan), Ryan Lowe (MK Dons, undisclosed)
Key man: Jose Semedo
Chances: Owls boss Dave Jones will expect his side to make an instant impression as he aims for a top-half finish.
Manager: Gianfranco Zola
Position last season: 11th
Nickname: The Hornets
Ground: Vicarage Road
Capacity: 17,477
Players in: Manuel Almunia (Arsenal, free), Fitz Hall (QPR, free), Almen Abdi, Matej Vydra, Steve Leo Beleck (all Udinese, free), Daniel Pudil, Ikechi Anya (both Granada, season-long loans), Alex Geijo (Udinese, loan)
Players out: Adrian Mariappa (Reading, undisclosed), Rene Gilmartin (Plymouth, free), Josh Walker (Scunthorpe, free), Scott Loach (Ipswich, undisclosed), Tom James, Chez Isaac and Michael Bryan (all released)
Key man: Matej Vydra
Chances: Winds of change have blown through Vicarage Road this summer as the Italy-based Pozzo family took control of Watford. The new owners replaced manager Sean Dyche with Zola as they eye up a promotion push in their first year.
Manager: Stale Solbakken
Position last season: 20th in Premier League
Nickname: Wolves
Ground: Molineux
Capacity: 27,828 (under development)
Players in: Bjorn Bergmann Sigurdarson (Lillestrom, undisclosed), Frank Nouble (West Ham, free), Jamie Tank (Walsall, undisclosed), Tongo Doumbia (Rennes, season-long loan), Slawo Peszko (Cologne, loan)
Players out: Louis Harris (AFC Wimbledon, free), Ashley Hemmings (Walsall, free), Jody Craddock, James Spray (released), Sam Vokes (Burnley, undisclosed), Jake Cassidy (Tranmere, six-month loan)
Key man: Matt Jarvis
Chances: Wolves are among the favourites for an immediate return to the Premier League following last season's disappointing campaign. Norwegian Solbakken manages the side, hoping they will be able to keep hold of striker Steven Fletcher to lead the promotion charge.


text:
[[caption-width-right:300:Running Silent in my sleep]]
''Silent Running'' is an environmentally-themed [[ScienceFictionFilms Science Fiction Movie]] from 1972 directed by Douglas Trumbull and starring Bruce Dern.
In the future, the environment of Earth has been destroyed, with the only plant and animal life left being preserved in domed forests aboard American Airlines space freighters in orbit around Saturn. Freeman Lowell, a botanist and apparently the only remaining environmentalist in the world, tends to the forests religiously and hopes that they can one day be returned to Earth and used to restore it to its natural state. When the decision to reassign the freighters and destroy the domes is made, Freeman becomes obsessed with protecting them. He kills his crewmates and escapes with the last dome, assisted by three robot drones he names [[ComicBook/DisneyDucksComicUniverse Huey, Dewey, and Louie]]. He must then escape discovery and survive a collision with Saturn's rings.
A well-known favourite of BBC film critic Creator/MarkKermode, who [[http://www.youtube.com/watch?v=dUsV5LP30rU thinks it's a better movie]] than ''Film/TwoThousandOneASpaceOdyssey''.
Not to be confused with the ''Mike And The Mechanics'' song of the same name, nor the trope SilentRunningMode.
!!This film provides examples of:
* ArtisticLicenseBiology: Put simply, humanity cannot survive without the environment. The scenario of the film is blatantly impossible; if we wiped out the entire environment, we'd go with it.
* ChromosomeCasting: There aren't ANY women in this film.
* CuteMachines: Huey, Dewey, and Louie.
** Which ironically were played by double amputees.
* BittersweetEnding: [[spoiler:Freeman dies, and the last dome is lost in space. Though the last drone is tending to it, and the forest within is alive.]]
* ExplosionsInSpace: A relatively accurate depiction -- nuclear explosions in space are just silent circular flashes that fade away.
* GreenAesop: Somewhat {{Anvilicious}}; but (especially at the time the film was made) SomeAnvilsNeedToBeDropped.
* IdiotBall: Lowell has been taking care of the plants for years, then near the end of the film when he's on the wrong side of Saturn, comes to suddenly realize the reason they're dying is they need sunlight.
* LatexSpaceSuit
* MohsScaleOfScienceFictionHardness: For the most part, falls under Mohs/OneBigLie--or rather, One Small Fib. The softest part of the movie is the unremarked-upon ArtificialGravity.
* ProductPlacement: American Airlines will last for centuries apparently.
* TerraDeforming: The government policy that leads to the events of the film.
* WhatCouldHaveBeen: In the original version of the story, Freeman was an old man who rebelled not to save the forests but because he didn't want to be sent back to Earth. Also, he attempts to make FirstContact with aliens.

subset: commoncrawl


text:
Women's Studies: Films and Videos
Sacrifice (The Story of Child Prostitutes from Burma)
50 min., Film Library, 1998.- Each year thousands of girls are recruited from rural Burmese villages to work in brothels in Thailand where they are held for years in debt bondage. This film, through interviews with the girls, examines the social, cultural and economic forces at work in the trafficking of these Burmese girls. HQ232.7.A5 S22 1998. VIDEO
Saint Louis Blues
16 mm., Blackhawk Films, 1929 - the only film in which the singer Bessie Smith ever appeared. Shows her in a short dramatic role-one written around the songs she sings. Bessie's rich, powerful voice projects the magic that made her Queen of the Blues. FILM
Saints and Spirits
25 min., Icarus Films, 1978 - Moroccan women relate three Islamic worship experiences - 1. Marrakech festival experience; 2. a pilgrimage to a "moussem" in the mountains; 3. a veneration of a new saint's shrine in a small plains village. BP 189.33 .S34 1980. VIDEO
Salt of the Earth
94 min., Home Video, 1954 - 94 min., MacMillan Films, 1953 - recreates an actual year-long strike by Mexican- American zinc miners in New Mexico and the crucial role women played during this struggle against U.S. mining interests. Many of the people who put this film together were blacklisted during the McCarthy era, and the people who play in it were non-professional actors and actresses. PN1997. S14 1954b. VIDEO
Salt of the Earth
94 min., MacMillan Films, 1953 - recreates an actual year-long strike by Mexican-American zinc miners in New Mexico and the crucial role women played during this struggle against U.S. mining interests. Many of the people who put this film together were blacklisted during the McCarthy era, and the people who played in it were non-professional actors and actresses. FILM
Satya, a Prayer for the Enemy
28 min., Film Library, 1993. Focuses on personal testimonies of Tibetan Buddhist nuns who have taken the lead in resisting Chinese occupation in Tibet.. BQ855 S27 1993. VIDEO
Señorita Extraviada
76 min., Distributed by Women Make Movies, 2001 - Over 250 young women were kidnapped, raped and murdered from the city of Juárez, Mexico. The perpetuators of these crimes have not been apprehended, even though these crimes have been occurring regularly since 1993. HV6535.M63 C58 2001. VIDEO
Senso Daughters: Daughters of War
54 min., First Run/Icarus Films, 1990. The story of Japanese and Korean women brought to Papua New Guinea by Japan as "military commodities" from 1942-1945. HQ271.5.A5 S46 1990. VIDEO
Sex and the Sandinistas
25 min., Women Make Movies, 1991 - in this documentary, Nicaraguan lesbians and gay men speak for the first time about their revolutionary struggles with and within the Sandinista-led state. Also explores gay and lesbian life in Managua and looks at sexuality within the FSLN and lesbian and gay rights within socialism. F1525.3 S63 S48 1991. VIDEO
Sexism in Language
Films for the Humanities, 1991 - Presents closely analyzed examples that show how sexism and anti-sexism may be contained in language use - in song lyrics, everyday conversation, news reports, written conventions, and satire. P120.S48 S475 1991. VIDEO
Sexual Harassment
19 min., Philip Associates, 1981 -examines the financial implications of suits files against businesses and give instructions for establishing policies and procedures. HD6060.3 .S48 1981. VIDEO
Sexual Harassment from 9 to 5
27 min., Films for the Humanities & Sciences - Discusses the changing laws regarding sexual harassment in the workplace and how companies are responding. HD 6060.5 U5 S484 1986. VIDEO
Sexual Harassment on the Job
Phil Donahue Show, 28 min., "Susan Meyer of Working Women's Institute explores how women get themselves into difficult situations and how to handle harassment." HD 6095 .S495 1987. VIDEO
Sexual Stereotypes in Media: Superman and the Bride
Films for the Humanities, 1993 - about sexual stereotypes in the media and with marriage. P96.S5 S495 1993. VIDEO
She Don't Fade
24 min., Dancing Girl Productions, 1991 - Shae Clark, played by director Dunye, is a black lesbian who is gossipy about her sexuality and her new approach to women. PN1997 .D87 S53 1991. VIDEO
She's Nobody's Baby, a History of American Women in the 20th Century
60 min., MS. Foundation for Education and Communications, 1981 - examines the conflicting advice U.S. Culture has offered women over the last 80 years, studying how it has shaped women in the ways they have accepted, rejected or reacted. FILM
Shoulder to Shoulder
58 min., PBS Video, 1988 - tells the story of British Suffragists: Pankurst Family, Annie Keeney, and Lady Constance. JS3212 .S56 1988. VIDEO
Sigmund Freud's Dora
Jane Weinstock, 29 min., uses excerpts from on of Sigmund Freud's case studies in a series of vignettes and these are interspersed with T.V. commercials which contain subliminal messages which are then made explicit. Begins a deconstructionist critique of Freudian psychoanalysis , sexuality, incest and gender relations as they relate to this case. FILM
Simone de Beauvoir
53 min. Films for the Humanities and Sciences, 1999. This presentation uses dramatization from fiction and readings from Simone de Beauvoir's memoirs to explore her views on the world and on the role of the intellectual. HQ 1154 S55 1999. VIDEO
Simone de Beauvoir: Un Film
110 min. Simone de Beauvoir recalls the events and ideas of her life in conversations with Jean-Paul Sartre and Claude. French dialogue, English subtitles. PQ2603 E362 Z87 1982. VIDEO
Simplemente Jenny
33 min., International Women's Film Project, 1977 - interviews 60 min., The history of the founding of the role played by the Women's Air Force Service pilots in World War II. UG633 S54 1980. VIDEO women in Latin America in a discussion of culture, gender roles and relationships. FILM
Sink or Swim
40 min., Drift, 1990 - account of an immutable and highly charged relationship between a father and a daughter. This film presents a young girl's 26 short stories which recount memories of a father she both fears and admires. FILM
Sisterhood: Hyping the Female Market
24 min., Paper Tiger Television, 1993 - this video takes a critical and humorous stab at the recent plethora of "pro-feminist" advertising. HF5822.S57 1993. VIDEO
Sisters and Daughters Betrayed: The Trafficking of Women and Girls and the Fight to End It
20 min., University of California Extension Center for Media and Independent Learning, 1995 - a report on the practice of selling women into virtual slavery across national borders, from Africa, Asia, Latin America, and Eastern Europe. HQ411.A4.S57. VIDEO
Slaying the Dragon
CrossCurrant Media, 1987 - about Asian women in motion pictures and the racism that occurs. PN1995.9.A78 S583 1987. VIDEO
Slim Hopes
Media Education Foundation, 1995 - Explores the manner in which women are portrayed by advertising with a focus on thinness. Discusses the impact this portrayal has on the self image of women and girls. BF697 .5.B63 S64 1995. VIDEO
Small Happiness, Women in a Chinese Village
58 min., New Day Films, 1984 - presents a powerful exploration of sexual politics as Chinese women speak frankly about footbinding, birth control, work, love and marriage. FILM
Sojourner Truth
23 min., Sylvestre Watkins Co., 1986 - Syl Watkins uses the issuance of the U.S. commemorative stamp of this African American woman as a start in point for discussing her roles in the early women's rights and anti-slavery movements. VCT 153. VIDEO
Some Women of Marrakech
60 min., Granada Television International, 1981 - looks at women in "purdah" or "hijab" (seclusion) in Morocco by showing their lives, interests and the part religion plays in their lifestyles. HQ 1170 S6. VIDEO
A Song of Ceylon
51 min., Women Make Movies, 1985 - Accompanied by slow-moving images, a narrator recounts the exorcism of a young Sri Lankan woman. PN1997 .S56853 1985 VIDEO
The Sorrow of Gin
60 min., A tale of life in suburban America centers on an eight-year-old girl's search for a sense of family amid the sophisticated and detached whirl of her parent's lives. PS 3505 H6428 S6 1981. VIDEO
Speaking of Nairobi
56 min., Indiana University, 1986 - 17,000 women gathered in Nairobi, Kenya in July 1985 for the official conference concluding the United Nations' Decade for Women and the unofficial conference, Forum '85. Follows some of the discussions and interviews Kenyan women to provide an insightful look at women's critiques of their societies. FILM
A Special Lady
24 min., Jerry Burke, Inc., 1980 - actors portray a situation in which a couple arrange a contract with a surrogate mother, working out the adoption through a lawyer specializing in the process. HQ 759.5 .S63 1980z. VIDEO
A Spy in the House That Ruth Built
By Vanalyne Green, 1989, 29 min., Dist. by Women Make Movies - "Appropriates the all-male arena of professional baseball to create a visual essay about family, loss, and sexuality." GV706.4 .S69 1989. VIDEO
Stale Rolls and Tight Buns
O.A.S.I.S., 1988 - looks at the stereotyped images of men in advertising, especially in magazine and newspaper ads. HF5822 .S72 1988. VIDEO
Step by Step: Building a Feminist Movement
56 min., Step by Step, 1998. Traces the gradual emergence of contemporary feminism through the life stories of 8 women who helped make it happen from 1941-1977. HQ1410.S74 1998. VIDEO
Still Killing Us Softly
58 min., Cambridge Documentary Films, 1987 - updated version of Killing Us Softly, which examines the continuing roles of men and women in advertising. Documents an increase in not only sexist images, but also of the rise of violence and the sexualization of children. FILM/D-14,149
Stop Era Video
32 min., Eagle Forum, c1984- Subject: Equal Rights Amendment, Schlafly, Phillis, Gay Rights. A video produced to dissuade Maine voters from passing the ERA (Equal Rights Amendment). Schlafly links feminism and the ERA movement with abortion rights and gay and lesbian rights issue and makes the case that the ERA will threaten traditional values and undermine American society. HQ1236.5.U6 S33 1984
String Bean
17 min., CRM/McGraw-Hill, 1965 - a story about an older women and her love for a potted string bean plant, telling about her plans for its incorporation into the Jardin de Tuleries. No Narration. FILM
37 Stories about Leaving Home
52 min., San Francisco, CA: Distributed by NAATA Distribution, c1996- Subject:Japan, Mothers, Daughters. This documentary examines the relationships among grandmothers, mothers and daughters in Japan through interviews. Interwoven throughout is a Japanese folk tale. HQ7162.A15 1996
Summer of Aviya
96 min., Ergo Media, 1996 - An autobiographical film about a Holocaust survivor who immigrates with her daughter to the newly founded Israeli state. Aviya is a spunky 10 year old who, like her mother, is a survivor in the face of persecution. PN1997 K378 1996. VIDEO
Susan B. Anthony Slept Here
Films for the Humanities, 1995 - film about the lives of Bessie Smith, C. J. Walker, Christa McAuliffe, Susan B. Anthony, Babe Didrickson Zaharias, Annie Oakley, Georgia O'Keefe. HQ1412 .S87 1995. VIDEO.
By Susana Munoz, Women Make Movies, 25 min., An autobiographical portrait of a women who leaves her home in Argentina to get away from the structures of Latin America cultural and family pressures. An effective film "for discussion on the juncture of racism, sexism and homophobia both in the U.S. and Latin America. HQ 75.4 B44 1988. VIDEO
Sweet Honey in the Rock
60 min., Syl Watkins, 1980 - 60 min., Syl Watkins, 1980 - this African American women's quartet presents an hour of folk, gospel, and African American songs. M2198 .S94 1980
Sylvia Pankhurst
58 min., PBS Video, 1988 - shows the story of women's suffrage in England and this suffragette's contributions. JS3212 .S56 1988 pt.6. VIDEO
Last modified: July 28, 2015


text:
Are you just fed up trying to look for the best super cheap auto car insurance?
Your morgage and other bills have been slowly racking up over the past several months and you need a way to save money.And you figured the one place you can easily save money at is through your insurance company. But you know that this is not going to be easy at all.
And now those fender benders in the past are haunting you because you just cannot seem to get decent super cheap auto car insurance rates. Countless hours have been spent buried online just trying to look for a descent cheap full coverage car insurance deal out there.
Accidents occur in life that you might have never had a chance to avoid, but now your auto insurance company is not showing any remourse just because.Do not ever be content with the treatment you are currently getting.
Now is the time that you should stand up and fight back by looking elsewhere for a better insurance company that will give you the better super cheap auto car insurance that you deserve. You have to realize that you can save a lot more money on your current car insurance rate at this christmas and enjoy white christmas tree celebrations at some where else as it is time for christmas festival.
It might be interesting for you to know more about loss assessor
I am sure you would rather spend your hard earned dollars elsewhere instead of over paying on your car insurance. In order to make this a reality for you need to start searching for the lowest super cheap auto car insurance at the right places. It does not take long to start saving money and to find the best lowest auto insurance rates on your auto insurnace.
Find more information on car hire california here
See just how much you can save on your insurance with the best place for super cheap auto car insurance here.
When you want to get the cheapest car insurance quotes, there are many people that make the same mistakes and think they are getting the lowest rate quotes. The first thing that many people will do is call the same agent that their parents or friends use. That is likely to get you a long-winded story about something you don't want to hear about from your childhood or a wreck your friend had and a high quote that you accept as a good deal because you think the agent has your best interests at heart.
In answer to the question, "How Do You Know You've Got The Cheapest Car Insurance Quote?It's a sure thing that you not if there are not 6 or 7 sharp local agents fighting for you policy. Just because you call them on the phone doesn't mean they will give you the cheapest car insurance quote because they don't really know you are serious or that you might be calling anybody else. The other thing to keep in mind is that they will usually quote the highest rates first and work their way down to lower quotes, once they know they are competing against other top agents in the area.
Of course, there are always those that go online and can find cheaper quotes than what they might get over the phone from local agents. Its impossible to get a cheapest quote online because its not in there system to give, only real agents can give a cheaper quote.
There is only one way to get that cheapest quote-you have to get the local agents to compete for your business and this means you have to do it in the way to get the lowest quotes. Since they tend to be competitive and don't like to lose, the best way to get the cheapest insurance quotes is to send 1 quote request to 5 or 6 of the sharpest local agents in your area and wait for the responses. As soon as they know there competing against there rivals they will get there pencils out to give you that cheap quote – agents don't like to lose to there buddies.
The key thought is you that auto insurance agents don't like to lose business to there buddy down the street and will pull out all the stops if they know your getting quotes from them also. Making up a quote request and addressing the same letter to these top agents, where they can see the other agent's names can often bring great results and give them something to brag about at the next insurance conference or get-together meeting. Using the right tactics to get competitive quotes is just part of what you can learn, when you get expert insider advice on the insurance industry.
If you want to know how to get the cheapest car insurance quotes, you need to use the right tactics to show you are serious and comparing rates. This is especially helpful when you are dealing with top agents that know the best car insurance quotes are saved for those that know how to get them in a competitive mode.
Visit us for expert advice that saves you money on your car insurance . That One Click Could Save You A Bundle.
Related Blogs
- Related Blogs on Cheapest
- What is the cheapest dtv converter box out on the market now …
- Related Blogs on Insurance
- How To Change Auto Insurance Companies | Insurance Claims
- The Gavel » Blog Archive » HHS Puts Insurance Industry on Notice …
- Related Blogs on Know
- Related Blogs on Quote
- SNYRangersBlog.com – Quote: Dubinsky On Standing Up For Gabby
- Related Blogs on You've
- Weasel Zippers » Blog Archive » Obama to Wall Street: "I Think You …
The truth about cheap car insurance for women is that on average, women drivers pay less for car insurance as compared to men. The stereotype that men are automatically better drivers is an old illusion; recent statistics show otherwise, which is why it is easier to find cheap car insurance for women than it is for men
However, that doesn't mean men drivers have to around with bruised egos. It means instead that men drivers need to face up to some facts:
* Women drivers tend to act less aggressively on the road as compared to male drivers
* Women drivers are less likely to have accidents.
* Women drivers switch lanes and tailgate less often than their male counterparts.
* Female drivers typically drive more cautiously than male drivers (this is more so in drivers under age 25).
In short, male drivers have proved to be higher risks when it comes to car insurance and car insurance companies will naturally assess higher premiums for drivers that statistically show a greater chance of getting into a collision. This is one of the main reasons why it is easier to find cheap car insurance for women than it is to find cheap car insurance for men.
Naturally this overall statistic doesn't mean that any individual male driver is worse than any individual female driving. Car insurance premiums hinge on the driving history of the covered drivers, as well as the amount of coverage purchased. So if Aunt Tilly, whose eyesight is failing, has more fender-benders in her Nissan than her teen-aged nephew Ralph, it's likely that Aunt Tilley's Nissan insurance will cost more.
At the same time, Ralph's mother Wanda is a good driver, but her Nissan insurance costs more than Aunt Tilly's. That's because Wanda carries more options on her Nissan insurance, such as 24-hour roadside assistance or getting a rental car in the event of a collision requiring car repairs.
So what's a male driver to do? Don't fret; there are many ways to pay less for car insurance. Consider some of these alternatives recommended by top nationwide insurance companies:
1. Compare car insurance by getting quotes from several companies via an insurance aggregator website. Using a comprehensive website means you only have to fill out one form, one time, to get multiple insurance quotes sent straight to your email.
2. Check out discounts, such as:
Being a member of an "affinity" group, such as civic groups, professional organizations or the AARP that qualifies you for discounts.
Military personnel or federal employee discounts.
Safety related discounts, such as always using seatbelts or having an anti-theft device installed in your car.
3. Be a good driver and you can get some major savings. Most companies require drivers to go five years without an accident and three years without a ticket.
Whether you are looking for Nissan insurance like Wanda or you just want to lower your car insurance rates, check out the discounts and other service options available to you. If you haven't shopped around for car insurance in several years, you'll be surprised at the discounts now available for Nissan insurance as well as insurance on other cars.
While it is easier to get cheap car insurance for women, that doesn't mean that men drivers are completely shut out of cheap car insurance. If you have a Nissan, get several free Nissan insurance quotes today from Cheaper Care Insurance and see what you've been missing.
The most influencing factor determining a customer's wish to buy a car insurance policy is the average car insurance rates. Though, it is considered mandatory by the Federal law of the United States of America for vehicle owners to buy a car insurance policy, a lot of consideration goes into comparing between many car insurance policies before the customer buys one.
What are factors impacting average car insurance rates?
* The age of the vehicle driver – Generally, the insurance rates and the premiums are on the higher side with increase in age. The car insurance rates form a bell curve pattern with peaks observed with rates offered to the teenagers and senior citizens.
* The coverage of car insurance policy – Most car insurance policies cover driver insurance, collision insurance as a part of their policy. Depending upon the vehicle in possession, vehicle owners may intentionally decide to drop one of the covers. Though, people feel it is a cost-cutting measure, vehicle owners do this knowing their vehicle and the driving conditions well.
* The driving conditions and the usage of the car – One of the questions most insurance companies ask is the usage of the car. If the vehicle is going to be used as a sports car driving up and down on hilly terrains, chances are that the premiums would be priced high. One can expect to pay a lower premium on their vehicle's insurance policy if it will be used for an up-down travel on a safe highway.
* State of residence in the United States of America – Depending on the state of residence in the United States of America, the average car insurance rates may vary. One can access the comparison charts for car insurance rates by contacting the State Department of Insurance.
The average car insurance rates have fallen from $933 in 2003 to $867 in 2006. If the same trend continues one can expect the insurance rates to breach below the $800 mark. This obviously indicates that car insurance covers are no longer considered as an expensive option for vehicle owners.
http://car-insurance-choices.com is a website devoted to giving you the best information regarding car insurance. Whether your searching for free online car insurance quotes, or antique auto insurance for your classic, we've got you covered!
If you are looking for car insurance, and need it without the hassles of an annual quote, temporary car insurance is just right for you. What is temporary car insurance and what are the things you should look out for when you are opting for it?
Temporary insurance defined
Temporary car insurance is a type of short term car insurance. It ensures that you receive cover for a period ranging between 1 and28 days.
You can use the temporary cover for a variety of purposes. For instance, if you were driving a new car to its destination, and cannot afford auto insurance just yet, temporary car insurance would be just right for you.
What are the advantages of temporary car insurance?
Well, for one, you get instant cover for your vehicle. You can receive an instant online quote from any of the sites and buy a policy. If you are getting your car repaired, and need covers for an additional car just now, temporary car insurance is what you need. You can even get additional covers for multiple drivers. So, next time your friend or relative asks you for your car, insurance will not stop you from lending it to him! This is also a great way of claiming a no claims discount on your existing policy. Temporary car insurance on an additional car will not make a dent in your existing policy, even if you do make a claim.
What covers are offered under temporary car insurance?
There are a number of cover options. You can choose any of these depending on your conditions. For instance, you can choose a cover when you are
Test driving a new car Driving a new car home Renting a car Moving and carrying furniture Insure yourself while travelling on another persons' car
Am I eligible for temporary car insurance?
Anyone with a driving license that has been effective for at least a year is eligible for temporary car insurance.
There are other preconditions which may vary. Some providers may insist on you having a certain amount of points on your driving license and not being disqualified in the last few years. There may also be a minimum value clause for the car you are insuring. You may also have to agree to a maximum amount that the provider will pay you in case of damage.
How to pay less for your temporary car insurance
Cash in on any no claims discounts you may have received elsewhere. This will prove that you are less of a risk, and therefore help you in paying lower premiums. A clean driving record always helps you get better coverage terms Go strong on the security of the vehicle. More security results in lower premiums Always compare rates while buying temporary car insurance. An insurance provider with a reputation is always better than a dubious car rental service.
Get more understanding on how you can obtain temporary car insurance by visiting www.yourdailylinks.com. With in-depth tips and guidelines, you and your vehicle will be offered the protection needed at a low premium rate.
Paying car insurance for any car that you own and drive is a necessity of life as a driver. Without auto insurance you are not only breaking the law you are also putting yourself at risk of having to buy a new car should yours get written off in an accident. In addition there are not many people who could afford costly repairs after an accident or robbery from their vehicle as these can amount to thousands.
Whilst a lot of car insurance might be quite expensive it pays in the long run to compare car insurance quotes from different insurers. Getting quotes should not cost you a penny as all insurers should provide you with a free quote for car insurance if you enquire with them. So how do you get the maximum number of free car insurance quotes for your motor insurance?
One excellent way to find as many free car insurance quotes as you can is to go online and compare them. It is so easy to get a car insurance quote online that you will be wondering why you have not done it before. The best and fastest way to get a quote from a number of insurers is to complete an online form on an insurance comparison site. Once you have done this the site will run your details through their insurers and compile a list of free car insurance quotes from them.
As soon as the list is complete you can look through it at the free car insurance quotes and make your selection. If any interest you it is possible to go to the insurer's website and find out more information. Here you might want to switch your type of insurance from say third party to comprehensive or to third party, fire & theft – the choice is yours.
Getting a range of free car insurance quotes online will not only save you money when you are looking for cover it will also save you time. By using the internet when you are searching for free car insurance quotes you are able to get an instant car insurance quote from a variety of insurers. This means you can say goodbye to having to telephone each insurer separately and go through your needs with each one. Doing this could take forever and many people would just settle on one of the first insurance companies they spoke to. Unfortunately doing this meant that it was easy to miss out on a great low cost quote.
Anyone who is looking for free car insurance quotes should certainly look online to help with their search. It is not only quick and very easy to do this it can mean obtaining a quote that is perfect and fits into a person's price range with no problems. Don't pay more than you should for your car insurance the next time you need it. Go online and get free car insurance quotes and then make up your mind when you choose your policy.
Get a free car insurance quote online to save money. A car insurance comparison online is a great way to get the cheapest car insurance! Submitted by Samantha Stevens
It is very important to research all of the many car insurance companies available to make sure that you get the best rates and best coverage. Car insurance is critical to keeping you and your family protected against injuries and accidents. In fact, now you can buy car insurance online.
There are many independent websites that can assist you in choosing the right coverage at an affordable rate. By using one of these companies, you know that you will get unbiased results because they do not partner with specific companies.
There are quite of few great websites on the web that give the user a friendly visit. They offer features such as compared rates to other insurance companies that can help you make your decision based on the lowest rates. They also will allow you the feature to purchasing them online
Others, you can submit a claim online, and they have a program that can help you quickly repair the damaged vehicle. With this program, you will be driving your car again in no time. By choosing one of their mechanic shops, they can speed up the repair time.
There are so many different companies that you can use to buy car insurance online. By receiving free quotes from several of these companies, you can do some easy comparison shopping to choose the company that is right for you. Comparison shopping is critical to finding a good reliable company.
The most important thing for a driver is to be insured. By insuring yourself, you protect you, your financial health, and those family and friends that are riding with you.
Getting car insurance has never been so much easier. Being able to buy car insurance online gives you the control of comparing all insurance companies and finding one best for you. Here at http://www.Auto-Insurance-101.info, a popular guide to auto insurance, find all the information you need to from selecting car insurance agents to lowest rates car insurance.
Budget car insurance for teens is a risky venture for car insurance companies. To find the best car insurance for busy teens, compare your options and savings between car insurance companies. Taking the time to find the best car insurance for your teen can get your teen traveling so you can get a break from daily chauffeuring without having to worry about financial protection for your teen.
The best car insurance policies for teens takes advantage of all the allowable discounts for teen drivers while providing the highest possible coverage at a price that fits your budget. There are a number of conditions and considerations that go into determining a car insurance policy for teens. Finding the best car insurance for teens will require the time and effort to seek quotes, ask questions, and review deductibles, policies and payment plans. With today's instantaneous access to information over the Internet, the process can be done in a day, but spending a little more time to evaluate the car insurance plans that are best for your budget can result in substantial savings.
To get the best car insurance for teens, make sure your teen is listed as an occassional secondary driver, rather than a primary driver of a separate car. If your teen has their own car, add on the teen's car as a second car, rather than buying a separate car insurance policy. Many insurance companies offer cheaper rates for older cars, so if you have a choice of cars to insure your teen under, choose the cheapest one. Keep in mind that there are insurance savings for airbags and anti-lock brakes, as well as other safety features. Older cars do not have some of these safety features, and comparing the savings from being insured under an older car with little or no safety features against a new car with safety features might find you a more favorable a budget car insurance policy.
Teen-friendly car insurance policies will offer discounts for good grades and completion of a driver's education course. While you are analyzing your deductibles and searching for the best car insurance policy, keep in mind that a teen driven to drive is likely to experience a minor fender-bender. Your preference to pay a higher deductible or lower premium should be weighed with your budget and the value of your teen's car in order to determine the best car insurance policy for your teen.
Finding the best car insurance for teens that fits within your budget can give you the confidence to let your teen take over driving to all the school, job and social events that you have been chauffeuring for more than a few years. You might even find that your teen is willing to do some household errands just so they have the chance to drive. Shop around for the best car insurance and be confident that your teen's entry onto the highways of the adult world will be a protected journey no matter where your teen is driven to drive.
Are you just fed up trying to look for a decent rate for your auto car insurance? You are not even remotely satisfied with your auto car insurance company because you refuse to settle for less than the best.
Your mortgage and other bills have been slowly racking up over the past several months and you need a way to save money. And one of the first places you can start to save money at is with your auto car insurance company. You now realized that you guessed wrong and now you cannot figure out a way to save a dime on your insurance policy.
And now those fender benders in the past are haunting you because you just cannot seem to get a decent rate on your auto car insurance. Countless hours have been spent buried online just trying to look for a descent deal out there.
Accidents occur in life that you might have never had a chance to avoid, but now your auto insurance company is not showing any remorse just because. There is no need for you to sit there and deal with this type of treatment from your auto insurance company.
Now is the time that you should stand up and fight back by looking elsewhere for a better auto car insurance company that will give you the better rates that you deserve. As a loyal customer to your insurance company you have to right to get the best rates possible and getting those rates begins by shopping online for quotes.
I am sure you can imagine just how much money you will be able to save on your insurance once you find the right auto car insurance company that gives you the rates you deserve. In order to make this a reality for you need to start searching for auto car insurance quotes at the right places. By just doing a few minutes of work on your part you can easily afford to take your family out to eat again.
There's no reason you should be stuck paying high premiums for your auto insurance. Click here to get the information you need to get the best auto car insurance with the lowest rates possible.
Previously, it was difficult to find a budget car insurance policy. However, that problem is easily solved today with the improvements made by insurance companies. Virtually all primary insurers utilize the internet to provide their available premiums and discounts.
The inability to find a wide range of insurance products is no longer complicated, by way of advancements promoted by the insurance companies to meet the needs of a mass of consumers. The insurers are using the internet to achieve this advancement with the use of web sites and databese.
As a consumer, you can visit several different websites that offer free quotes to find budget car insurance. To get a quote, you enter a few simple details about your car and demographic data. When you enter the info and submit the form, you will arrive at a quote page, this will show the competitive rates you can expect to pay. You may choose to add additional coverage as well on this secondary page.
When you have found a budget car insurance quote that will meet your needs, you can pay for the policy immediately. Once purchased, you have the option to download your policy and print it out, as well as a copy of your insurance card.
The convenience and speed with which these companies operate make choosing and finding budget car insurance a wise choice. This convenience eliminates having to visit your traditional agent to get insurance coverage. You can easily perform the task of finding a budget car insurance policy conveniently at home any time of day or night.
Every insurer must be licensed to do business in your state, and since companies want to do business online, most insurers have obtained a license in every state, this allows you to enjoy a larger assortment of comparable rates. When you enter your zip code on the free quote form, only quotes from providers permitted to conduct business in your state will be available to you.
Virtually every insurance company you can think of has a web presence and offers free quotes. You can easily check more than one website to find the most competitive rate. The once daunting tasks of finding budget car insurance is now minimized by the insurance companies desire to provide a consumer-friendly and simple method for purchasing automobile insurance.
Learn more about Budget Car Insurance as well as more about car insurance in general.


text:
In Episode 55 hosts Andrew Eisen and E. Zachary Knight talk about the latest GamePolitics poll, a video game researcher's testimony at a mass murder trial, the Xbox One, the Ouya, and some discussion on the upcoming E3 press conferences. Download Episode 55 now: SuperPAC Episode 55 (1 hour, 37 minutes) 89.5 MB.
As always, you can subscribe to the show on iTunes and use our RSS Feed to add the show to your favorite news reader. You can also find us on Facebook, on Twitter @SuperPACPodcast and Google +. You can send us feedback on the show by dropping a note to firstname.lastname@example.com.


text:
I have read and understand the disclaimer.
Chat now
Have questions? Call (800) 615-3055 to speak to a cancer information specialist.Or we can call you.
Hematological malignancies are cancers that affect the blood and lymph system. The cancer may begin in blood-forming tissue (e.g., bone marrow), or in the cells of the immune system.
Some types of hematologic malignancies include:
For more information about hematologic malignancies, including common symptoms and treatment options, see blood cancers.
View our patient survival rates, along with quality of life, patient loyalty and speed of care results.
See our treatment results
Learn about what to expect from your initial consultation through treatment at CTCA.
Discover what makes our hospitals different
At CTCA, you will be cared for by a team of experienced oncologists and other cancer experts.
Meet our doctors
Fill out all of the form below and we will connect you to someone to assist you.
First Name:
Last Name:
Email Address
Who are you seeking cancer care for?
What type of insurance do you have?


text:
Retirement by Design
510 Commerce Street
Shreveport, LA 71101
Phone: 1-318-470-0211
E-mail: firstname.lastname@example.com
Or use our contact form.
Call us!
Discover the advantages of designing your retirement! Learn more.
Social Security can potentially be one of your most valuable sources of retirement income.
Yet, many retirees (and those nearing retirement) do not understand how their Social Security benefits really work or realize the many options available to them or even that the IRS can tax benefits.
More surprisingly, often financial advisors do not understand Social Security either; leaving clients without the guidance they need to make sound decisions.
John Wingo is Founder & Director of Retirement By Design and is an accomplished business consultant and financial advisor who started in the estate planning business over 32 years ago. As the owner/operator of multiple successful and varied businesses, John has gained a wealth of knowledge and formed relationships with important contacts in the financial, insurance & business world that have proven to be an invaluable resource to him and his clients. As a Certified Preferred Counselor of Planmybenefits.com, John specializes in the strategic distribution of social security and retirement benefits to maximize payouts and he enjoys educating others on the ins and outs of how it all works and the many options that are available to them. Working closely with an estate planning attorney, John is able to cover all aspects of retirement and estate planning, from accumulation to preservation and distribution.
The focus of John's practice is unique in that, although he covers all phases of retirement planning,
he specializes in the withdrawal phase of retirement and the strategic structuring of this very important distribution phase. John is an expert in the use of life insurance as a retirement
tool to create tax-free retirement income and is uniquely qualified to provide this very creative tool to clients.
John lives in Shreveport with his wife, Catherine. They have five children and four grandchildren.


text:
garden.com > Patio Furniture > Outdoor Furniture Accessories > Patio Umbrellas > Item # G30395
promotional discount applied. Cart total will reflect savings.
Buy 2 or more, each at $332.99
Quantity discount will reflect in cart.
Customer Service will contact you with Freight Quote
Sometimes, manufacturers require that products be advertised only at their suggested prices.
When we choose to sell these items for less, we display the sale price only in the cart. To see the price, click Add to Cart.
One-time delivery
Deliver Every:
2 Weeks
3 Weeks
4 Weeks
5 Weeks
6 Weeks
7 Weeks
8 Weeks
1 Month
2 Months
3 Months
6 Months
Product Summary:
Item Specifications:
· Heavy duty aluminum frame
· 1.5" aluminum legs
· 4 position height adjustment
· Designed for commercial applications
Fabric Details:
· 600 x 600D polyester fabric
· Fire retardant CPAI-84 Rated
· Stakes & Carry Bag Included
Item Dimensions:
10' x 10'
Product Reviews by Customers
This item is not eligible for Canadian shipping.
Some items everyday price is so low we can't discount or we have marked down the item to a final sale price. These select items will not be included in your order total when determining if your order qualifies for a promotional event.
Ads by Google


text:
|13 posts found
SWTOR keeps making my computer crash and corrupting boot files on my windows for some reason..... I want a sandbox havent played one since eve and was wondering if a vet would give me some tips. Im aware of the DF 2.0 or unholy wars is coming out and this will probably be wiped out of existence, but i'll just play and if I like it ill probably just pick up DF:UO when it comes.
Any help or tips would be great and si there a free trial?
Login or Register to never see this panel
Apprentice Member
Joined: 6/30/12
Long Term MMORPG'er. 1999-2012.
Remember if you bought Darkfall 1.0 you won't have to buy Darkfall Unholy Wars, you just pay for the subscription to get access to the newly remade game. Darkfall Unholy Wars is suppose to come out November 20th I believe. I wouldn't play right now because everything is going to be wiped fresh.
There is a free trial if you wanna mess around, but nothing you do will be saved. If you don't have an existing game account then you will have to buy the new game once it comes back on the website.
Originally posted by Gamefun
I dont mind just subbing and having to buy the new one. I know nothing will be saved it will atleast just get me use to the mechanics. That way ill be able to know better as to what needs to be done with a new toon in DF2.0. I dont mind having to restart toons.
Apprentice Member
Joined: 6/30/12
Long Term MMORPG'er. 1999-2012.
Originally posted by Zecktorin
I would recommend playing it, to at least get familiar with some of the things that will still make it into 2.0. It's still worth playing for fun, but I just personally feel like it's a waste of money and time invested until Unholy Wars releases in two plus months.
Originally posted by Gamefun
See tho I view it as two plus months of fun which is more than I can say for a lot of games.
Novice Member
Joined: 9/28/12
So their wiping everybodys character back to the beginning? how do the people who have been playing for years feel about this?
Last time i played DF the grind was pretty intense, and having to do that all over again would definately suck.
Hard Core Member
Joined: 12/25/03
wipe or no wipe, it's a new game so the characters wont transfer.
professional web programming and design.
Advanced Member
Joined: 2/10/07
Awesome I have 3 DarkFall accounts ;)
Novice Member
Joined: 10/10/09
Originally posted by Gamefun
u should really stop saying this..
Reason is, they said u would not have to buy a NEW game when this was suppose to be a ADDON to the current game ....since then it has changed to this being a completly diff game and they have said in the blogs since that this will have 0 to do with current darkfall game and will be its own game .as it is still just a new verison , and i agree ...but everything (litteraly ) has changed about this game since the info about not having to buy the game again .
they COULD let everyone have the game for free , but i do NOT see this happening ..i have been playing since the day this game came out and AV has a trck record of not doing what they said and chainging details without warning .. So please no one hold on to the fact they said u would get the Xpack for free because that info came when it was suppose to be a major update to the current game not an entire seperate game .
i realize there will still be people saying "its free for current players" and i can not stop this ...just trying to toss in my .02
EDIT: man ur post is so full of details that are not true even with the OLD OLD info . im not saying this to be mean or rude in any way . i keep up with the info they put out , and the info u are providing is taken from two diffrent time frames about two very difrent ways this game/xpack was going to come out (and some of ur info is just down right incorrect ..i.e ..u just have to pay the sub to play the new game ..that was JUST a promo till darkfall 2.0 started ) ---- and as i said above will clear up the part about the game for free
Advanced Member
Joined: 2/14/10
if you have never played DF then by all means give it a go. it's actually a very fun game with very solid mechanics and good server stability.
because you'll be starting as a new character you probably will never be able to be competitive in pvp in the current DF. so just keep that in mind and just play it as a pve game that has "world bosses" (veteran players) that come arround from time to time and 2 shot you.
the pve in DF is actually pretty fun. not the questing it'self but fighting npcs is actually pretty entertaining as DF has some of the best AI arround.
you can explore and get familiar with the map. also the UI (god i hope they improve this in UW) and most of the other game machanics like crafting, gathering, boating, etc. You can also familiarize yourself with the current clans and the political landscape that it will surely be transported to UW.
+ since you will buy DF you wont have to buy UW....win/win.
Help or tips, hmm okay...
Be prepared for the fact that the population is going to be low, and that the players that are there are vets.
Ignore forumfall and the occasional guy who corpse camps you. Yes every Tom, Dick and Harry will take a swipe at your character if they get the chance but most will not take all your stuff (if you are a noob) and most are actually qite nice and willing to help (on EU at least).
Don't carry loads of shit in your backpack, you will lose it. Find a hunting place near enough to a bank but away from the main noob goblin spawns and bank ALL the time. Dedicated PKers don't randomly walk about, they cycle through mob spawns near noob towns and other player hotspots. Don't be in them long unless you can fight back.
When you get a mount, don't leave it out, even in a city. Someone will take it.
If you really get sick of even the threat of getting killed, spend your time moving to a quiter racial zone (hey dwarves, looking at you) and grind there.
Always look around you, always use the terrain to your advantage and don't just follow roads.
Greatsword and bow until you get magic schools up are nice.
Organise stuff into bags in your bank.
You could max out skills really fast if you went through a methodical process but at this point it probably is not worth it. Maybe just get a sword and go and explore the world and get used to the feeling of a massive, open world in which player encounters actually have an edge to them. Once you get used to that it is hard to go back to other mmos.
Novice Member
Joined: 7/16/12
I also just started up yesterday and played for 8 hours straight (haven't done that since Anarchy Online)....the game seems awesome, love the freedom I have. I've never been a big pvp'er, but I guess I will learn fast :P....don't mind the pvp though...the sandbox is SOOO big that Im just having a blast exploring.
When I go out to hunt/gather Ill leave everything but what I need in the bank....Ill do the hunting/gathering for maybe an hour, go back and put all that in the bank (or sell)....rinse and repeat. Haven't ran across a hostile yet, but Im sure I will in due time.....can't wait for Unholy Wars...and to see the rest of the map!
Originally posted by bunnyhopper
Again you act like this will be my first sandbox. Most of these tips apply to eve online as well. but i do thank you for the tips.


text:
Disciplinary Actions and Sanctions for Division of Real Estate
Grange, Steve S.
Mortgage Officer
Description of Licensing Actions or Disciplinary Sanction:
In a November 4, 2009 stipulation and order, Mr. Grange agreed to pay a civil penalty of $2,500.00. In violation of Utah Code Ann. § 61-2c-301(1), Mr. Grange referred three loans to a mortgage company with which he was not employed and accepted a percentage of the commissions from the loan closings as a referral fee. Case number MG 46930.


text:
VIEWS: 1 PAGES: 25 POSTED ON: 9/22/2012 Public Domain
Basel III Proposals: Issues for Community Banks August 8, 2012 www.ober.com // www.mdbankers.com Introduction The OCC, FRB, and FDIC jointly issued 3 Notices of Proposed Rulemaking (NPRs) that would revise and replace the agencies' current capital rules Basel III NPR (Capital) Standardized Approach NPR (Risk-weighted assets) Advanced Approaches NPR Applicability: Basel III and Standardized Approach NPRs most relevant to community banks; apply to all banks, savings associations, SLHCs, and U.S. BHCs with greater than $500 million in total assets Comment Period Ends September 7, 2012 1 www.ober.com Basel III NPR - Summary 1. Revises definitions of regulatory capital components and changes eligibility criteria of certain capital instruments 2. Changes minimum capital requirements and adds a new Common Equity Tier 1 Risk-based Capital Ratio (fully phased-in: 4.5%) 3. Revises the Prompt Corrective Action (PCA) rules to incorporate changes 4. New Capital Conservation Buffer that may restrict capital distributions and executive bonuses 5. Establishes transition periods 2 www.ober.com Standardized Approach NPR - Summary 1. Proposed modification to the calculation of risk-weighted assets (i.e., the calculation of the denominator of a bank's risk-based capital ratios) 2. Modification of risk weights for 11 asset classes, including residential mortgage exposures, high volatility commercial loans, past due assets, and other assets 3. Proposed effective date of January 1, 2015 3 www.ober.com Prompt Corrective Action (PCA) Categories Measure Well Adequately Undercapitalized Significantly Critically Capitalized Capitalized Undercapitalized Undercapitalized Total Risk Based ≥10% ≥8% <8% <6% Tangible Equity1 to Capital (RBC) Total Assets ≤ 2% Tier 1 RBC ≥6% | ≥8% ≥4% | ≥6% <4% | <6% <3% | <4% Tangible Equity1 to (Current | Proposed) Total Assets ≤ 2% Common Equity ≥6.5% ≥4.5% <4.5% <3% Tangible Equity1 to Tier 1 RBC Total Assets ≤ 2% (Proposed) Leverage Measure ≥5% ≥4%2 <4% <3% Tangible Equity1 to Total Assets ≤ 2% PCA Requirement None May limit Limits on asset Limits sub-debt Generally receivership activities and growth, dividends; payments or conservatorship limits brokered requires a capital w/in 90 days deposits plan 1 Tangible equity is defined as tier 1 capital + non-tier 1 perpetual preferred stock. 2 The minimum leverage ratio for 1-rated institutions that are not experiencing significant growth is currently 3%. 4 www.ober.com Capital Conservation Buffer Capital conservation buffer (as a % of Maximum payout ratio (as a % of total risk-weighted assets) eligible retained income) Greater than 2.5% No payout limitation applies Less than or equal to 2.5%, and greater than 60% 1.875% Less than or equal to 1.875%, and greater 40% than 1.25% Less than or equal to 1.25%, and greater than 20% 0.625% Less than 0.625% 0% 1. Phases in from 1/1/2016 – 1/1/2019. 2. The maximum payout ratio limits capital distributions and discretionary bonus payments to executive officers as the conservation buffer falls to 0%. The conservation buffer would be equal to the smallest cushion that a bank has in one of three capital ratios: its common equity tier 1 capital ratio, its tier 1 capital ratio, or its total capital ratio. If the Bank maintains its ratios at or near minimum levels, its maximum payout would be zero. 5 www.ober.com Basel III NPR – Capital Components Total Capital = Common Equity Tier 1 Capital Tier 1 + Additional Tier 1 Capital Capital + Tier 2 Capital 6 www.ober.com Common Equity Tier 1 Capital Common Equity Tier 1 Capital is the sum of the following: 1. Common equity tier 1 capital instruments and related surplus (net of treasury stock), plus 2. Retained earnings, plus 3. Accumulated other comprehensive income (AOCI), plus 4. Minority interests in common equity tier 1 instruments in unconsolidated financial institutions Minus Regulatory adjustments and deductions 7 www.ober.com Common Equity Tier 1 Capital Instruments Common Equity Capital Instruments must have the following characteristics, among others: 1. Be paid in, issued directly by the bank, and represent the most subordinated claim in a receivership, insolvency, or liquidation. 2. Must have no maturity date and be redeemable only with regulatory approval through discretionary repurchases. 3. Cash dividends are discretionary, paid out of net income and retained earnings, and are not subject to a limit imposed by the instrument's contractual terms. 4. Holders bear losses as they occur equally with the holders of all other common stock instruments before any losses are borne by holders with senior claims. 5. The paid-in amount is classified as equity under GAAP. 6. The instrument is not secured or covered by a guarantee of the bank or a bank affiliate, and is not subject to any other arrangement that legally or economically enhances its seniority. 7. The instrument is reported on the bank's regulatory financial statements separately from other capital instruments. 8 www.ober.com Accumulated Other Comprehensive Income (AOCI) 1. Under the proposal, net unrealized gains and losses on available-for-sale (AFS) debt and equity securities would be included in Common Equity Tier 1. 2. Under the current rules, AFS equity securities losses are included in Tier 1 and a portion of AFS equity securities gains are included in Tier 2. 3. The new requirement that bank's adjust their capital ratios based upon movements in the value of AFS capital instruments, including as a result of changes in interest rates, is expected to add significant volatility and an additional regulatory burden. 9 www.ober.com Regulatory Adjustments and Deductions 1. General Deductions a. Goodwill b. Deferred Tax Assets (NOLs & carryforwards) c. Other intangibles (excluding mortgage servicing assets (MSAs)) d. Gain on sale of securitization exposure e. Deductions for non-significant investments subject to 10% threshold 2. Threshold Deductions (>10% individually and >15% in the aggregate) a. MSAs b. DTAs (relating to temporary timing differences) c. Significant investments in another financial institution's common stock 10 www.ober.com Additional Tier 1 Capital 1. Non-cumulative perpetual preferred, SBLF and TARP 2. Does not include TruPS or cumulative preferred instruments, subject to a phase-out 3. 14 criteria, including: a. Must be subordinated to depositors, general creditors and the bank's subordinated debt holders; b. Must not be secured or guaranteed by the bank or any bank affiliate; c. Must be perpetual, without maturity date or incentive to redeem; d. Be callable only with regulatory approval after at least five years; e. The bank may cancel distributions at any time; f. If classified as liabilities, have principal loss absorption through conversion to common shares. 11 www.ober.com Tier 2 Capital Tier 2 Capital is the sum of the following: 1. Tier 2 capital instruments and related surplus, plus 2. total capital minority interests not included in a bank's tier 1 capital, plus 3. Limited amounts of ALLL Minus Regulatory adjustments and deductions 12 www.ober.com Transition Rules Item 2013 2014 2015 2016 2017 2018 2019 Phase-in of certain 20% 40% 60% 80% 100% deductions from Common Equity Tier 1 Minimum Common 3.5% 4.0% 4.5% Equity Tier 1 Minimum Tier 1 4.5% 5.5% 6.0% Minimum Total 8.0% Capital Conservation Buffer 0.625% 1.25% 1.875% 2.50% The phase –out of capital instruments that no longer qualify as additional tier 1 and tier 2 will be accomplished over a 10-year period beginning in 2013. 13 www.ober.com Standardized Approach NPR Modifications to Risk-weighting for certain assets, consistent with Dodd-Frank Section 939A, including: 1. Residential mortgage exposures 2. High volatility commercial real estate 3. Past due assets 4. Securitization exposures 5. Other Assets Proposed Effective Date is January 1, 2015 14 www.ober.com Residential Mortgage Loans – Category 1 Category 1 1. Term: ≤ 30 years 2. Regular periodic payments 3. No increases in principal, deferments, or balloons 4. Underwriting and repayment ability based on: (i) Principal, interest, taxes, insurance, and assessments; (ii) Maximum interest rate that may apply in first 5 years; (iii) Maximum exposure over the life of the mortgage loan; (iv) Documented and verified income; (v) No loans over 90 days past due 5. Annual interest rate may increase no more than 2% per 12-month period and 6% over the life of the loan 6. 1st lien HELOCS: maximum contractual exposure under terms of HELOC 7. If a bank holds a 1st mortgage lien and junior mortgage lien on the same residential property: a. no other party may hold an intervening position b. each residential mortgage exposure must have the characteristics of a category 1 mortgage loan 15 www.ober.com Residential Mortgage Loans – Category 2 Category 2 1. Any residential mortgage exposure that does not fall into category 1 2. Junior liens 3. If a bank holds two or more mortgage loans on the same residential property and one of the loans is category 2, then the bank would treat all the loans on the property as category 2 4. Nontraditional mortgage products generally 16 www.ober.com Residential Mortgage Loans – Risk Weighting LTV Ratio Risk Weight for Risk Weight for Category 1 Loans Category 2 Loans ≤ 60% 35% 100% 60% - 80% 50% 100% >80% - 90% 75% 150% >90% 100% 200% • LTV Ratio = loan amount/value of the property. • "Loan amount" for a 1st lien transaction would be the maximum contractual principal amount of the loan. For a junior lien loan, the loan amount would be the maximum contractual principal amount of the loan plus the maximum contractual principal amount of all more senior loans secured by the same residential property. • "Value of the property" is the lesser of the acquisition cost (for a purchase transaction) or the estimate of the property's value at the origination of the loan or restructuring. • PMI is ignored for purposes of calculating the LTV ratio • For commitments, the unfunded portion of the loan amount would be subject to a credit conversion factor of 20% or 50% depending on original maturity. 17 www.ober.com Residential Mortgage Loans – Additional Notes 1-4 family loans Current Risk Weight Proposal 50% if 1st lien, prudentially Category 1: 35%, 50%, 75%, underwritten, owner-occupied 100% depending on LTV or rented, current or <90 days past due Category 2: 100%, 150%, or 100% otherwise 200% depending on LTV • FHA and VA loans would continue to receive zero percent risk weight due to their unconditional government guarantee. Residential mortgage exposures that are conditionally guaranteed by the U.S. government or a U.S. agency would continue to receive a 20 percent risk weight. • Restructured and modified mortgages would be assigned risk weights based on their LTVs and classification as category 1 or category 2 residential mortgage exposures based on the modified contractual terms. • Some confusion whether loans modified or restructured under the Treasury's HAMP program would be considered modified or restructured for the purposes of the proposal. 18 www.ober.com High Volatility Commercial Real Estate Loans New category: High Volatility Commercial Real Estate Loans (HVCRE) An HVCRE exposure is a credit facility that finances or has financed the acquisition, development, or construction (ADC) of real property, unless the facility finances: One- to four-family residential properties; or Commercial real estate projects in which: The LTV ratio is ≤ the applicable maximum supervisory LTV ratio; Borrower has contributed at least 15 % of the real estate's appraised "as completed" value; and Borrower contributed such amount before the bank advances funds under the credit facility, and the capital contributed by the borrower, or internally generated by the project, is contractually required to remain in the project throughout the life of the project (i.e., only when the credit facility is converted to permanent financing or is sold or paid in full.) HVCRE exposures carry a 150% risk weight 19 www.ober.com Residential Construction Loans Loan Type Current Risk Weight Proposal Presold residential 50% if the loan meets all 50% if the loan meets all construction loans criteria in the regulation; criteria in the regulation; 1 100% if cancelled; 100% if cancelled; 100% otherwise. 100% otherwise. Multifamily loans 50% if the loan meets all 50% if the loan meets all criteria in the regulation; criteria in the regulation; 2 100% otherwise. 100% otherwise. 1 Generally, (i) the loan is prudently underwritten; (ii) the purchaser: (a) is an individual(s) that intends to occupy the residence; (b) has entered into a legally binding written sales contract; (c) has a firm written commitment for permanent financing; and (d) has made an earnest money deposit ≥3%; (iii) the builder must incur at least the first 10% of the direct costs of construction; (iv) the loan ≤80% of the sales price; and (v) the loan is not more than 90 days past due, or on nonaccrual. 2 Generally, (i) the loan is prudently underwritten; (ii) the LTV does not exceed 80% (or 75% if the interest rate is variable); (iii) all p+i payments on the loan must have been made on time for at least 1 year prior to applying the 50% risk weight; (iv) amortization of p+i on the loan ≤ 30 years and the minimum original maturity for repayment of principal >7 years; (v) annual NOI (before debt service) generated by the property during its most recent fiscal year ≥120% of the loan's current annual debt service (or 115% if interest rate is variable); and (vi) the loan is not >90 days past due, or on nonaccrual. 20 www.ober.com Past Due Exposures Current Risk Weight Proposal Revenue Bonds, Generally the risk weight 150% for the portion that is Multifamily Loans, does not change when the not guaranteed or secured Consumer Loans, loan is past due Commercial and Industrial, Non-Farm Residential, Except, 1-4 family loans Does not apply to 1-4 Agricultural that are past due 90 days family residential mortgage or more are given a 100% exposures or HVCRE risk weight 21 www.ober.com Structured Securities Category Current Risk Weight Proposal MBS, ABS, and Structured 20%:AAA&AA; Deduction for the after-tax gain- Securities (including TruPS) 50%:A-rated on-sale of a securitization; 100%:BBB 200%:BB-rated 1,250% risk weight for a CEIO and 100% for interest-only MBS Gross-up Approach that are not credit-enhancing. For other securitization exposures, a choice among: (i) Existing gross-up approach; (ii) SSFA; or (iii) 1,250% There would be no change to the existing treatment for securitization exposures guaranteed by the U.S. Government or GSEs; i.e. Ginnie Mae securities receive a 0% risk-weight to the extent they are unconditionally guaranteed; Fannie Mae and Freddie Mac guaranteed securities receive a 20% risk weight; and Fannie Mae and Freddie Mac non-credit enhancing IO securities receive a 100% risk weight. 22 www.ober.com Other Assets Exposures not otherwise assigned to a specific risk weight category, which are generally consistent with the risk weights in the general risk-based capital rules: 0% - cash owned and held in a bank's offices or in transit; gold bullion; exposures from the settlement of certain cash transactions with a central counterparty; 20% - cash items in the process of collection; 100% - deferred tax assets (DTAs) arising from temporary differences that the bank could realize through net operating loss carrybacks; 250% - mortgage servicing assets and DTAs arising from temporary differences that the bank could not realize through net operating loss carrybacks that are not deducted from common equity tier 1 capital; and 100% - all assets not specifically assigned a different risk weight (e.g., consumer loans and credit cards). 23 www.ober.com Conclusions and Questions 24 www.ober.com
Pages to are hidden for
"as of total risk weighted assets"Please download to view full document


text:
The General Assembly of the International Astronomical Union, held every three years, kicks off this week in Honolulu, Hawaii. The National Academy of Sciences and its U.S. National Committee for the IAU, which operates under the auspices of the Board on International Scientific Organizations, serve as America's liaison to the IAU and helped the American Astronomical Society bring the meeting to the United States.
A 2014 PGA report that recommended higher pay and other reforms to benefit postdoctoral researchers is noted in a Nature article about a proposed regulation to extend overtime pay to many more American workers.
Applications for the 2016 session of the Christine Mirzayan Science & Technology Policy Graduate Fellowship Program are now available. The program gives early-career individuals the opportunity to spend 12 weeks in Washington, D.C., learning about science and technology policy.
The University Industry Demonstration Partnership (UIDP), formerly a project of GUIRR, is now a free-standing organization. GUIRR and UIDP have signed a memorandum of understanding to enable ongoing collaboration.


text:
The board approved a memoranda of understanding between the district and Kent State University, Mount Union College and Stark State College to allow high school students to earn high school and post-secondary credits for designated courses.
KEY ACTION The board approved a memoranda of understanding between the district and Kent State University, Mount Union College and Stark State College to allow high school students to earn high school and post-secondary credits for designated courses.
DISCUSSION Superintendent Al Osler said students are able to take dual-credit and post-secondary classes earning them high school and college credits.
At the high school, a physics and English course is offered as dual-credit courses for Stark State.
Osler said the courses are taught by high school teachers who are adjunct professors.
Students also can attend classes on college campuses for post-secondary credits, he said.
Last year, about 30 students participated in the program, and Osler anticipates the number to remain between 20 to 30 students this year.
Osler said the district pays a reduced-rate for the college courses but warned parents that students who fail the courses may be required to pay for the class. He said last year a few students failed and were required to pay.
Melissa Marconi, high school principal, told board members guidelines have been put in place to more closely monitor students enrolled in the classes.
All students will be required to submit their class schedule prior to the start of school and will be required to participate in a mid-term progress report at which time the school can contact parents regarding how the student is doing, she said.
- Set lunch prices for the 2013-14 school year as $2 for pre-K to fourth-grade lunch; $2.25 for fifth to eighth-grade lunch, $2.50 for grades 9 to 12 lunch; $3 for an adult lunch and $1.25 for pre-K to fourth grade breakfast. The prices did not increase from last year.
- Accepted donations of $300 from Forty Corners Church of God for the volleyball team, $12,000 from the elementary school PTO for laptops and iPads and $2,000 from the Booster Club for renovations at the middle school gym.
- Approved the resignations of Paula Ali, an elementary school cook, and freshman cheerleading adviser Stacey Reiber.
- Approved one-year contracts for Ryan Reed and Monica Sigler, middle school Title I tutors; Tig Held, elementary classroom aide for visually impaired; Briana Gallagher and Kim Rink, freshman cheerleading advisers; Lindsey Brown, high school yearbook adviser; Nate Held, varsity boys track coach; Shelby Combs, assistant freshman football coach and assistant varsity boys track coach; Janeen Parfitt, five days extended service; and Lauren Dickerhoof, elementary musical; Amy Greer, adapted physical education teacher; Melissa Esper, pre-school aide and Kathy Hershey, library training.
- Approved a Science/Environmental Education Agreement with The Wilderness Center at a cost of 75 cents per student or $1,071 for the 2013-14 school year for students to attend educational programs at the center at a reduced rate.
Page 2 of 2 -
- Approved a contract with CompManagement at a rate of $1,200 to handle workers' compensation claim services.
Comments are currently unavailable on this article
Location, ST | website.com