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Passengers arrive sick and vomiting at LAX from Fiji, southbound I-15 planned closure will cause LA headaches, Carnival Cruise Lines plans to use natural gas as fuel for ships in port
Sunday musings: Limits on personalized license plates, Mobile wallet drivers license, LA taxis vs. Uber
State rules on personalized license plates California and many other states have very strict rules about what can be put on vanity license plates. Some of the denied plates are surprising. Others are easy to understand. Some plates requested read differently when turned upside down and others have cryptic meanings to police and gangs. Who […]
What is the future of the new American Airline's hubs?
The suit by the Department of Justice and various states to block the merger of US Airways and American Airlines has been settled. It's highly unlikely the merger can be derailed. Ned Levi examines the potential future of the new American Airlines' hubs and their chances of survival as hubs.
6 carry-on flight essentials for comfort, delays and problems
After encountering an aborted take-off recently, requiring a rebooked fight and a long delay, Ned Levi talked with fellow frequent fliers about what essentials they take into the cabin in their carry-ons for in-flight comfort and to counter delays and problems. Ned discusses those six essentials in this week's column.
Off the beaten path Los Angeles: The Watts Towers
Often when we travel to cities, there are wonderful locations and sights to visit not on the "top attraction" lists. Ned Levi has a recommendation for one of those sights in Los Angeles, the Watts Towers, an often overlooked location despite it being on the US National Register of Historic Places, and a National Historic Landmark.
What we're reading: United 787 international service, drunk women on BA, Avis buys Zipcar
United starts 787 international service, BA flight diverted by drunk women, Avis to buy Zipcar
What we're reading: Apps for Las Vegas, AA and pilots to continue talks, Vegas to LA train in works
New apps for Las Vegas visitors, AA and pilots to continue mediated talks, Vegas to LA train in works for new high-speed rail line
What we're reading: TSA sings at LAX, Typo blamed on Emirates' botched takeoff, where germs lurk on planes
100 ton typo blamed on Emirates' botched takeoff, where germs lurk on planes, TSA choir sings at LAX
What we're reading: thousands of security breaches, California-Las Vegas train gets environment ok, carmageddon in Los Angeles
Figures show thousands of security breaches at U.S. airports Citing information it received from the TSA, a House committee said that the nation's airports "have suffered more than 25,000 security breaches since November 2001." The breaches — amounting to about seven a day, or about five per year at every airport — include everything from […]
Easiest airport to miss a flight in the U.S.? Dulles and other contenders
It's the call no travel agent wants to get, and no traveler wants to make — "I'm going to miss my flight, what's the next one." Sometimes agents get the happy task of informing travelers that the flight is also late; more often, it's a scramble for alternatives.


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SV45-2 Class 2 Fire Retardant Mesh Breakaway Vest
Radians SV45-2 Economy Class 2 Self-Extinguishing breakaway vest with 3 Pockets. Garment is made from polyester treated to be self-extinguishing as defined by ASTM D6413 (<2.0s flameout / <6" char length). This garment should never be used where an arc flash or flash fire hazard is present. Typical applications would be Ship Building, Steel Erection, Bridge Building, Fabrication, Asphalt Paving, and other applications involving FR hazards that result from errant sparks rather than open circuit electricity or a potentially explosive atmosphere.
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Climbing Seeds & Plants
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In this impressive range of plants and seeds you'll find all manner of climbers from old favourites to more unusual varieties. They're perfect for covering walls, fences and sheds and many of them will fill your garden with a delightful scent.
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Flame Nasturtium, Flame Flower, Flame CreeperMore info
Tropaeolum peregrinum
Canary Creeper, Tropaeolum canariensePretty climber with lots of yellow flowers in summer, soon covers fences etc. if given some strings to cling to. Nice for the greenhouse too. Flowers summer. Climber More info
Tropaeolum speciosum
Flame Nasturtium, Flame Flower, Flame CreeperMore info
Clematis 'Tie Dye'
Old Man's BeardThis chance seedling of Clematis 'Jackmanii' has an eye catching, hand painted appearance to each and every bloom. Clematis 'Tie Dye' is a vigorous cultivar that flowers prolifically from June to September. There's no need for fiddly pruning either - simply cut all the stems to just above ground level in spring. The perfect low maintenance climber for brightening up walls and fences. Height: 400cm (13'). Spread: 120cm (4').Pruning group: 3.
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Romans 6:6New King James Version (NKJV)
6 knowing this, that our old man was crucified with Him, that the body of sin might be done away with, that we should no longer be slaves of sin.
New King James Version (NKJV)
Scripture taken from the New King James Version®. Copyright © 1982 by Thomas Nelson. Used by permission. All rights reserved.
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EtonDigital was founded in 2005 and soon made waves with our work. We rapidly expanded and now have a team of over 50 Drupal and Symfony developers, all of which are top class professionals, a truly phenomenal team. We have a sales, marketing and management presence in Berkshire in the UK and two offices in Serbia. We employ rapid development techniques that deliver even complex websites speedily. We keep abreast of the latest trends and developments in web technologies and bring these to market in packages that create beautiful and effective websites.


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Click any word in a definition or example to find the entry for that word
90% of the time, speakers of English use just 7,500 words in speech and writing. These words appear in red, and are graded with stars. One-star words are frequent, two-star words are more frequent, and three-star words are the most frequent.
... at around £70 a pair, barefoot skins are certainly not cheap, which may explain why a secondary wave of runners is keen to extol the "virginal" barefoot experience, using nothing but the skin on their feet as protection.
a small electronic device which is taken into shops and links individual customers to advertisements …BuzzWord Article
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the act or practice of telling the future using random items such as playing cardsadd a word
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Haute Hairstyles That Ruled the Streets During New York Fashion Week view
21 Brooklyn Beauties Give Us This Week's Hairstyle Inspiration view
Hair Street Style: Top Styles From The Basquiat and Contemporary Queer Art Show view
Trendy tresses we caught in the crowd at The Roots Picnic in Philadelphia.
Tia Beverly attends the 6th Annual Roots Picnic in Philadelphia, PA.
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Re: Amex and business use
One of the companies I do work for has all their top employees use their Starwood personal Amex cards to run business expenses and reimburses them monthly as a bonus, they get to keep all the points. They run about 40k a month doing that to the top 50 people in the business Amex frowns upon it but they'll still allow it.
total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
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The first thing you will notice about us is that we care – we care about our customers and we care about great print.
From our base in central Tunbridge Wells we produce a wide variety of printed items working with many different organisations – from large corporations to sole traders.
We work together with our clients and wish to promote prosperous long term relationships.
We blend this with creative thinking to produce effective communications that will work for your business.
Using digital and litho print technology, no job is considered too small. All of our clients receive the very best service – from same day urgent production to management projects often combining several different elements.
We have a friendly, experienced in-house team combined with an excellent network of suppliers for specialist production services to fulfil your needs and achieve your expectations.
Offering high quality print and design we treat all projects as bespoke and tailored to your particular demands.
From concept to completion we can design newsletters, postcards, flyers.View More
Short run, proofs, variable data to tight deadlines. Varied paper stocks available.View More
Management for your complete print requirements.View More
From first concept to final completion – of a simple postcard to a brochure, business stationery to whatever you need Image Digital is happy to help with design.
We will work with you to bring your ideas to fruition, brainstorming, planning, creating, producing and finishing.
Ideas can be PDF proofed to you or run on the required stock using our digital press.
You can either come and see us at our office or we can arrange to come and meet you to discuss your requirements.
At Image Digital no job is too small. We stock a wide range of materials, so if your job is urgent, we can have it printed, and if your local, you could have it in a matter of hours. For customers who are further away, we can send your print via our couriers for next day delivery.
Our Xerox DC8080 uses 'Low Gloss' dry ink that produces prints with a high quality matt finish that gives you a look similar to offset, but because it is 'digital' technology we can do very short runs even down to one.
Our press is colour profiled for every job, so you can be assured of consistency and colour accuracy.
Printing on a range of paper from 90 to 400 g/m2, in uncoated, silk or gloss. We can also run specialist stocks, created for the digital market. This includes pre die-cut stocks for pop out business cards, appointment cards, pre-perfed cards, durable and NeverTear Stock.
The majority of the paper stocks we use carry the FSC logo.
If you want longer runs, we can also help. We can provide offset jobs to your specification.
Here, we can also offer a range of stocks, including FSC and recycled.
We would be happy to talk to you and advise you on the best route to take for your particular job.
In an ever more complex multi-media world, it can often be confusing for customers to know exactly how to get the best from their print and communications. This is where working with a print management partner can help. Image Digital can do this for you and take away some of the time, worry and cost.
We provide a print management service where we sit down with you and look at your printing needs in the longer term. We drill down into your business and see how we can help to make it easier, more cost effective, and more efficient.
We can look at all your printing needs, whether that is business stationery or personalised direct mailings, posters or point of sale, catalogues or brochures.
We will take the problems of sourcing print from you and work as your partner to achieve the best for you.
Just let us know if we can help!
Finishing is the part of the production process that really adds value to your documents. Here, we can help to make your print better.
We offer a range of finishing services including lamination, spot UV, embossing, die cutting, kiss cutting and more.
We can also help you with your binding needs producing booklets and saddlestitched documents, wiro bound and comb bound books.
We also have access to special finishing applications, so please let us know if there is a particular finishing application that you need, and we will be happy to help.
Xerox 8080 Digital Press
Printing 4 colour up to 400gsm.
Max sheet size 488mm
Kasfold Booklet Maker
Duplo Booklet Maker
Morgana Auto Creaser
3 Heidelberg Cylinders
Max Sheet Size from 520 x 720mm – 560 x 770mm
Die cutting, perforating, creasing & kiss cutting
1 EBA Guillotine Max size 570mm
1 Polar Guillotine Max size 1060mm
1 Wohlenberg Guillotine Max size 760mm
1 MBO T54 Folder with Continuous Feeder and 6/4/1
For multifolds inc roll fold & concertina plus closed gatefold
1 MBO T52 Folder with pile feed and 4/4/1
1 Muller Martini Saddlestitcher with 4 stations plus cover unit
Max size 320 x 300mm with endorse fold unit
Up to 32pp plus cover A4 and 64pp plus cover A5/A6
2 Moll Folder Gluers
For Non capacity folders & wallets with 1 or 2 pockets & 1 or 2 glueings
2 Drilling machines up to 4 holes
Shrink Wrapping Up to A3
2 Wirobinding Machines
1 Comb-binding Machine
Handwork including collating, padding & make up
Image Digital offer a high quality yet competitively priced digital print and management facility from our base in Tunbridge Wells.
We pride ourselves on our flexibility and extremely rapid turn round of projects, utilising our Xerox 8080 press coupled with full in house finishing equipment we are able to produce quickly any number of items for our strong, yet diverse, client base delivering across the UK.
We can also assist with the design aspect and produce anything from brochures and leaflets to newsletters, business forms, conference materials, invitations and wire bound manuals.
We are able to print on a variety of paper stocks up to 350gsm in 4 colours and are used to printing to tight deadlines.
Below are some of the products we produce.
To discuss about your next project or request a quote, please use the contact form, and we will get back to you.36 Chapman Way, Tunbridge Wells, Kent, TN2 3EF


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Le Cerisier, Charming Bed & Breakfast
From $67 / night
Description from the owner
Description from the owner
Bedrooms: 5/
Bathrooms: 5/
Sleeps: 2/
Type: Bed and Breakfast
Why Le Cerisier?
Le Cerisier is an old vignerons house, which has been completely lovingly renovated. We offer lovely, comfortable rooms, fabulous food and a warm welcome. We are situated in the pretty authentic sleepy french village of St Genies de Fontedit.
Le Cerisier has 4 guest rooms, 3 doubles and 1 twin, each with en-suite shower room, Each bedroom has tea and coffee making facilites, bathrobes, hairdryer and complimentary shower products. In the summer the rooms are cool and airy, but fans are available if needed. For the winter months, each room has its own heating which is controlled by you.
A continental breakfast is included ...Read more
About the owner
About the owner
Lisa C.
Lisa C.
- Response rate : 90%
- Response time: A few hours
- Calendar updated: 4 months ago
Overall rating:
Additional Location Information
St Genies de Fontedit is situated 13 km north of Beziers in the Herault Department. With a backdrop of beautiful hills, the sleepy village of St Genies de Fontedit is surrounded by vineyards, which change colour with the seasons, neighbouring villages can be seen in the near distance, it really is a stunning area.
More About This Location
Rural retreats
Getting There
Nearest train station: Beziers, 8 miles
Nearest airport: Beziers, 10 miles
Nearest ferry port: Sete, 40 miles
Car is essential


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LUSH Curly Wurly
100 reviews
63% would repurchase
Package Quality: 3.6
Price: $$$
Package Quality: 3.6
Price: $$$
INGREDIENTSAmmonium Lauryl Sulfate , Dessicated Coconut (Cocos nucifera) , Cetearyl Alcohol , Propylene Glycol , Water (Aqua) , Fresh Organic Lemon Juice (Citrus limonum) , Glycerl Stearate
Age: 25-29
Skin: Acne-prone, Fair, Warm
Hair: Brunette, Curly, Medium
Eyes: Green
I have very mixed feelings about this shampoo. If not for the coconut bits I could probably like it. But they are just ridiculous. I cannot comment on the shampoo itself as the coconut bits just spoiled it all for me. I couldn't get them out of my hair and why add such a thing to a shampoo????surely you could just put this shampoo through a blender and it might work better then. It is packed full of conditioning ingredients and probably is very moisturizing, but I will never know as I followed it with my usual shampoo as i didn't feel that this one has made my hair clean.
I am used to fiddly bits in lush products and while I can tolerate them on my face, I will not put them in my hair ever again. On the positive side it smells very nice and I will probably try to use it as a body wash instead.
Age: 30-35
Skin: Combination, Tan, Warm
Hair: Black, Wavy, Medium
Eyes: Brown
Curly wurly it's a very nice shampoo, smells amazing and works perfect with my medium length curly hair. It lasts ages, a little bit goes a long way. I pair this shampoo with American cream conditioner.
Age: 30-35
Skin: Combination, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Hazel
I love this sampoo! Feels great! Smells heavenly and CLEANS! I wish it were a bit cheaper though. Love it.
Age: 25-29
Skin: Combination, Medium, Cool
Hair: Black, Straight, Medium
Eyes: Brown
"Great concept, but terrible execution" is how I would describe this product. It smells great (hence the 1 lippie), but after I wash my hair, there was such much coconut residue left in my hair that it looked like I had dandruff! I tried to comb it off, but they just won't come off. I washed my hair with a clarifying shampoo the next day, still didn't come off completely. I had to wash my hair again the day after (again with a clarifying shampoo) to finally wash it all off. By the time it came all out, it clogged the drain in my tub. A nightmare shampoo, that's all this is.
Age: 25-29
Skin: Oily, Fair-Medium, Not Sure
Hair: Blond, Other, Other
Eyes: Blue
Oh, how I love this shampoo. I think it may have reached holy grail status for me. It's very different from other shampoos most people are used to using, so it does take a bit to get used to. It's very thick, it's actually a solid in the tub it comes in, and it's loaded with shreds of coconut. You scoop out a bit (surprisingly a little goes a long way for me), emulsify it up a bit between your fingers or under the warm water for a second, then you really have to work it into your roots/hair as it is a low lather shampoo. The low lather is from it being very low SLS and silicone free, so you aren't going to get the bubbles and that slip that you get with normal shampoos and conditioner. So, it's odd to use at first , but if you can get over feeling like you are washing your hair with food you just may love it. It's smells SO delicious (like coconut obviously) and really helps moisturize my hair. It even seems to help my frizz. It is a bit pricey, but the tub that you get will really last a long time. I haven't had problems with getting the coconut bits out of my hair, but then my hair isn't super coarse or thick. I would think they would come out after you combed out your conditioner any way. If you are unsure about the product, I highly recommend getting a sample from your Lush store or with a purchase online, the sales associates are usually very generous with samples if you are nice to them :)
Age: 25-29
Skin: Normal, Fair, Not Sure
Hair: Blond, Kinky, Fine
Eyes: Blue
This is very moisturising and has given my hair no end of shine. It's a bit difficult to use; my method is to soften it with water between my hands and then rub it all over my hair, then I scrub as normal and rinse out. After that I apply conditioner and comb out the bits of coconut there and then, leave the conditioner on for the rest of the shower and rinse at the end. It does take a bit of time but I must say that I have experienced no breakage of hair, if anything my hair is stronger from this so don't worry about brushing when wet (as long as you have conditioner in). My hair doesn't tangle ever any more and it is sooooo shiny! A little on the pricey side for the amount you get though.
Age: 19-24
Skin: Combination, Fair-Medium, Neutral
Hair: Brunette, Other, Medium
Eyes: Brown
I'm in love with this stuff. The first time I used it, I figured I would hate it because it is a bit tricky to deposit throughout your hair because of the pasty texture. Once I used it more and got used to the texture, I started realizing that it was making my hair so smooth and soft. I no longer had poofy, frizzy hair, after washing it. This has been a miracle worker for my hair! Love it. Recommend to those girls who have hard to handle hair (frizz, curls, tangles, poofyness, etc) This stuff also smells AMAZING. It can leave little bits of coconut in your hair but all I do is comb and shake my hair out a bit and it comes out. :)
Age: 19-24
Skin: Combination, Other, Warm
Hair: Other, Other, Other
Eyes: Brown
Curly Wurly kinda makes me want to eat my own hair. Seriously.
In terms of packaging, LUSH's iconical tub actually excels - this shampoo is incredibly thick and lumpy. Having said that, my hair loves this stuff and my curls are always really happy to get a slathering. I'd buy it again and don't mind rinsing my hair with a little apple cider vinegar (and water) every once in a while just because it's so well, lush that it sometimes creates build up in your hair.
As for the coconut bits, yes it's a bit of a bother but really having them in there helps to create those first bubbles of lather you need to get going. Conditioning definitely helps to smooth it all out so the bits come out better. But if I don't condition, which you might get away with for this product, I put a fine tooth comb in the shower and run it through to get rid of them.
One thing I found was that this shampoo lathers (and sort of just is) better in cooler temperatures (ie. non heat wave temperatures). Any temperature over around 30c and this shampoo gets a little sad - I'd pop it in the fridge like half an hour before using it.
Other than that, I do love the smell and love what it gives my often dry curls - soft and frizz free gorgeousness.
EDIT May/2011: My NEW favourite way to use this is to combine this with LUSH's BIG Shampoo. It makes my hair soft, moisturised and gorgeous in these colder months (I am an antipodean if you hadn't noticed). The way I use it is by grabbing a bit of both shampoos and mixing them in my hands with just enough water and working the mix little by little into really wet hair. Works like a dream.
Age: 19-24
Skin: Combination, Medium, Warm
Hair: Brunette, Straight, Fine
Eyes: Green
I got this as a sample at lush for my newly permed hair ... i found the smell to be AMAZING ( if you like fresh coconut smell). It doesn't lather at all so it's hard to actually wash your hair with it. Also the coconut pieces are kind of a pain to get out of your hair !!! I have thin hair and it's still a pain in the you know what. So after all that jazz i figured the results would be amazing and worth it .... WRONG !!! it did nothing ... i would even say it kind of dried out my hair and made it a bit stringy ... which is the opposite of what it claims to do. I am glad i got this as a sample and didn't buy the $22 tub of it. That's another thing that is a pain having to scoop it out with your fingers from a tub. All around i wouldn't ever buy this.
Age: 30-35
Skin: Dry, Fair, Not Sure
Hair: Brown, Other, Other
Eyes: Blue
I love love love this shampoo. Yes the bits of coconut are a bit weird, but I've got very curly hair, and I don't have any difficulty washing them out. It makes my hair soft, shiny and bouncy, and it smells absolutely fab.
If you've got curly hair and struggle with it, give this shampoo a try.
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August 13, 2014
Ron Bailey
We have more, via his dad Reggie, on why Class of 2015 G'Town commit Marcus Derrickson has departed Paul VI (VA) for Brewster Academy (NH). ...More... To continue reading this article you must be a member. Sign Up Now!
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Pronunciation: /ˈtrøːstṇ/
Translation of trösten in English:
transitives Verb
- sie wollte sich nicht trösten lassenshe was not to be or refused to be comfortedshe was inconsolabletröstende Wortewords of comfortcomforting wordströstend den Arm um jemanden legenput one's arm around somebody to comfort him/heretwas tröstet jemandensomething is a comfort to somebodyder Gedanke konnte ihn nicht tröstenthe thought was no comfort to himIn Other Dictionaries
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- 55Promote
Art Print
ABC / Abstract Butterfly Collection / 1by Klara Acel
Collect your choice of gallery quality Giclée, or fine art prints custom trimmed by hand in a variety of sizes with a white border for framing.
Wow - wonderful Klara!
Wonderful, love this one, one of my favorite ! :)))
Im really liking this one as well. good job Klara!
many thanks Doris, Chris, Francoise, Robin :))))
thank you, Jazz :)
Wonderful colours and texture!!
thanks a lot, Ordiraptus :)
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thanks a lot, Peter :)
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thanks a lot Wayne :)
Groovy cool earth tone fractal!
thank you so much, Phil :)
Wonderful piece! :)
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Sophisticated and distinctive, this classy evening dress from Theia 881331 is perfect for your next special event. A chic portrait neckline leads into a uniquely styled bodice. Shimmering floral fabric is banded at the sides to create an hourglass look and enhance your curves. The mermaid skirt flairs at the knee, finishing this stylish look off with a flourish.
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El Salvador Prefers Mini Hydro Stations
The concept is part of the "Master Plan for the development of renewable energies" which sets out a strategy in power generation for the next 15years.
Wednesday, May 9, 2012
A study by the National Energy Council (CNE) in conjunction with the Japanese International Cooperation Agency (JICA) outlines a strategy for the next 15 years in the development of technologies using renewable resources.
Source: laprensagrafica.com
Gas Plants in Puerto La Union Accepted
May 2012
The new mayor will maintain the ban on power plants using coal or bunker fuel, but accepted those running on clean energy.
Panama Increases Electricity Imports
July 2014
In the first five months of the year the country bought nineteen times more energy than the in the whole of 2012 and in 2015 it is projected that 200 MW will be purchased abroad.
Support for Mini Hydropower in Guatemala
August 2012
The government of Guatemala has promised to support power projects promoted by cooperatives in rural areas.
Honduras Brings Back Up Renewable Energy Projects
July 2009
There are new conversations between the Honduran Association of Small Producers of Renewable Energy and the National Electricity Company.
- Daily Update
- Government Purchases
- Classified Ads
- Companies
- Indexes & Statistics
- Press Releases
- Events Calendar


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Main menu:
Welcome To The 202 Squadron Association Website
Are you a serving or ex Squadron member?
Has an immediate family member served on 202?
If so, then we would love to hear from you.
Do have a look around our site. We hope you enjoy your stay and will sign our guest book. But, whatever you do; please, come back again.
While you are here and you match the criteria, why not join the Association? The rates are reasonable; -
Membership is open to all regardless of age, rank or trade specialization. There only two criteria, a link with the Squadron and a desire to, hopefully, meet old mates and definitely make new ones.
Our thanks to all the online aviation enthusiasts who have given permission to take images and information from their sites to enhance this one. Please take time to have a look at them.
The Committee
Please note: all photographs on this site are the copyright of the owners and may not be published without their express permission or acknowledgement of ownership
Please Note; In some instances Copyright of some photographs are unknown. If you have any information these items copyright please contact the webmaster
New Honourary Member
Fellow Members, we have another Honorary Life Member. Wing Commander John Parker was Officer Commanding No 275 Squadron, flying Sycamores in the search and rescue (SAR) role, on 1 September 1959, when the Squadron renumbered to No 228 Squadron. Five years later on 1 September 1964 , No 228 Squadron became No 202 Sqn. There is no No 275 Squadron Association. Mike Lakey met John in connection with the RAF Club SAR Artwork project and suggested that we ask John to join our Association. Your Committee discussed the matter and I wrote to John offering him an Honorary Life Membership. I am delighted to say that John has accepted. See John's letter here He hopes to attend both the unveiling of the RAF SAR artwork (date not yet announced) and our Association events. Please welcome John when you meet him.
Charity Motorcycle Ride
With the end of RAF Search and Rescue in sight, to commemorate the many years of RAF Search and Rescue and to raise money for worthy charities, Donna and I are riding round the UK visiting every RAF Search and Rescue (past and present.)
We will be riding our classic Honda Goldwing (GL1100) and the total mileage of 2202 miles will be completed in 6 days.
Full Details of the route and updates on the event can be found in the files tab of this Facebook Page.
Motorcycle tour of RAF Search and Rescue Units
To donate to either RAFA or Guide Dogs, view routes and other additional information etc. please click the entries below.
Donations : The Ride ; Stations ; Routes
Jules Rutt
Centenary Year
2014 is the centenary year of the formation of the Squadron. In 1914 the Squadron was initially formed as Number 2 Squadron Royal Naval Air Service at Eastleigh. It is intended to mark the centenary with a meeting at RAF Duxford on the 17th October 2014. Watch this space for further information
Membership of 202 Squadron Association for SKIOS personnel
As agreed at the AGM on 26 April, the Association Chair has sent a formal letter inviting SKIOS (Sea King Integrated Operational Support) personnel who directly support 202 Squadron to join the Association.
The letter can be viewed here
David Averillo Foster
A little girls hunt to find information about her Great Grandad service during the first world war.
See the photo's and read about Mia here
Interesting Video
You may enjoy this video, made by a lady in Australia. It is about her Grandfather who served on the Squadron and flew Catalina's out of Gibralter and Northern Ireland. Her grandfather was John Pitt Kennedy. The film was completed 6 months prior to Johns death
Johns' Catalina
Wish you were a member, it's easy and only takes a few minutes. You can sign up here
A number of members have requested the ability to download reunion photographs. Up to now this has not been possible due to the format used withing the website. However, now by clicking on the button below, you will be taken to an external photo album where you can access and download reunions photos as you wish.


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GPLv3 Gray Hoodie
A warm hooded sweatshirt in gray, the GPLv3 logo in maroon on the front and a v3 logo in maroon on the back. Features a front pocket and a sturdy draw string with metal eyelets. Show your support for free software in style. $60 for XXL, $55 for all other sizes.Price:
Questions about your order? Check the FAQ or email us at email@example.com.
Copyright © 2004-2015 Free Software Foundation, Inc.


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Synonyms of sinner in English:
1 on a mission to rescue these sinners from the darkness
wrongdoer, evildoer, transgressor, miscreant, offender, criminal
archaic trespasser
Definition of sinner in:
- British & World English dictionary
- US English dictionary
- English synonyms
What do you find interesting about this word or phrase?
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Inquirers Class
If you wish to be confirmed or received in the Episcopal Church, this class is your preparation. If you are new to the Episcopal Church and you just want to know more, this class is for you, too. And many long-time Episcopalians find this class an interesting and helpful refresher course. Find out more about what it means to be confirmed, received, and reaffirmed here.
If you are a young person who is considering confirmation, you will prepare with others your age. Please be in touch with Michael Sweeney to learn more about youth confirmation at St. Stephen's.
Adult Inquirers Classes are held three times each year, in fall, winter and spring. Dates for 2015-16 will be announced later this summer.
Please contact Janet Allen to sign up: phone 804.288.2867, ext. 305; or email.
The Inquirers Class is a class based on questions:
+ What do I have to believe to be a Christian?
+ What does it mean to be "saved"?
+ Who gets to go to heaven?
+ What about people who are from different religious traditions or who are atheists?
+ What do Episcopalians believe about the Bible?
+ What is Baptism all about?
+ Do I have to believe everything in the creeds?
+ Was Jesus really God, or was he just a great and inspired teacher?
+ Do Episcopalians believe that Christ is really present in Communion, or is Communion just a symbol?
+ How does prayer work? Does it really make sense to ask God for things to happen a certain way?
+ Why do some people cross themselves, and when do they do it?
+ Why do the ministers wear the robes they do during services? Is all of that fuss really in the spirit of Christ?
These are just some of the questions that make for fascinating discussion. Any question is fair game, and dealing with our real questions is an important part of arriving at a real faith. The history behind some of the answers will surprise you, and your own capacity to handle these questions with integrity and faith might well inspire you. Join the clergy for this seven-week course on the basics of Christianity and the richness of Anglicanism and the Episcopal Church.


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Tell Arizona To Let Communities Decide If They Want To Ban Toys In Unhealthy Kids' Meals
Some Arizona lawmakers are determined to ensure that nobody messes with the toys in unhealthy fast food meals for kids. Last week the state's House Commerce Committee voted to block local governments from imposing any restrictions on giveaways offered by restaurants, which includes everything from toys and games in fast food meals to coupons for seniors.
While there are currently no proposed bans in Arizona, the Arizona Restaurant Association, which helped draft the bill, is clearly shaken by the hard-won fast food toy ban for meals high in fat, sugar and salt that recently passed in San Francisco, as well as those underway in Nebraska and other states. But the preemptive legislation restricts the rights of local municipalities that may wish to encourage more nutritious options for children and curb the predatory marketing tactics that fast food restaurants use to lure kids to unhealthy fare. The bill, HB 2490, was approved 6 to 2, and is now is now headed for a full vote in the House.
As fast food marketing tactics aimed at children have grown increasingly more aggressive and childhood obesity levels continue to rise, cities and counties should be allowed to enact legislation that protects our most vulnerable eaters. Considering Arizona was recently rated as one of the top ten states with the deadliest eating habits – a concerning statistic largely attributed to fast food consumption – the state's lawmakers should be looking for ways to support healthy eating initiatives, not block them.
Please urge Arizona to put an end to HB 2490, and let communities decide if they want to ban toys in unhealthy kids' meals.
Photo credit: Colin Grey
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Exclusively Savannah See everything the hostess city has to offer
Great Escapes View audio slideshows from the beautiful scenery Savannah and surrounding areas have to offer.
Savannah art museums and galleries Get address, phone numbers and more information on local galleries and museums
Jepson Center for the Arts Take a virtual tour of the Jepson.
Data Central Search databases regarding Chatham, Bryan and Effingham counties


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Peyton Manning is glad he doesn't have to face Denver's dizzying defense. Tom Brady wasn't so lucky.
The Broncos bashed Brady throughout a 20-18 dethroning of the New England Patriots in the AFC championship Sunday that sent Denver to a record-tying eighth Super Bowl.
Von Miller's monster performance led the way for a dominant defense that hit Brady 23 times and forced him into 29 incompletions, two fourth-down flops and two costly interceptions, one of them on a failed 2-point try that would have tied it with 12 seconds left.
"Von played phenomenal today," safety T.J. Ward said. "I have never seen a performance like that from one player."


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FAIRBANKS — In October 1970, a young man landed in Fairbanks on a 24-hour layover between his old life and a life that would come to touch countless people throughout Alaska.
That man was Scott Fisher, known to most now as "Father Scott" of St. Matthew's Episcopal Church, the century-old log church on the banks of the Chena River in downtown Fairbanks.
FAIRBANKS — Every great artist has his or her preferred medium. Whether it be watercolors, a chisel and hammer, oil paints or clay on a turning wheel.
For Ty Keltner, a man who grew up in Fairbanks, it's Lego bricks.
ALLAKAKET — It was a cool, overcast day in the Koyokuk River village of Allakaket and Evelyn Esmailka was running errands in one of the community's handful of pickup trucks.
She had mail to drop off, visitors to shuttle from the school to the tribal hall, a gift to drop off at a friend's home and a giant bag of plastic bottles and aluminum cans to drop off at the village's recycling center.
FAIRBANKS — The University of Alaska Fairbanks's Davis Concert Hall has been home to some of the most talented pianists younger than 32 in the world over the last few weeks as they competed in the Alaska International Piano-e-Competition.
And on Saturday night, thanks to the high tech self-playing Yamaha Disklavier piano that can record every touch of a key or press of a pedal, those award-winning performances filled the hall once again, showcasing the award-winning performances of the last 10 days.
FAIRBANKS — One of Fairbanks' top music aficionados, a guy who runs a radio station, promotes bands, hosts touring musicians at his house and has music playing during all waking hours, has zero interest in picking up an instrument.
Brady Gross, a 30-year-old full-time University of Alaska Fairbanks student, is general manager of the the student-run radio station at UAF, a position that has allowed him to promote, share and listen to music he loves.
FAIRBANKS — In front of a room of eagerly watching eyes, instructor Jeannette Scott flipped her mock assailant off her with a shove of her hips.
"The trick is to tuck your feet in as close to your rear-end as possible and push with your hips," she said, half the room's width separating her from the assailant who had been pinning her a moment before.
Moments later, the dozen women attending the first Women's Safety Symposium also were bucking off would-be attackers and exclaiming about how surprisingly easy it was.
FAIRBANKS — She was surrounded by loud engine revving, stripped-down and spray-painted cars, trying to keep her nerves in check while she watched, waiting for the OK to hit the gas pedal.
It was the first race for 25-year-old Laurel Gangloff in the Dollar Stock league at the Mitchell Raceway's dirt oval track, and like so many other racers who have buckled up behind the wheel of a car on a race track, it wouldn't be her last.
FAIRBANKS — With a few pops, bangs and a loud rumble, a 1906 Pope-Toledo Type XII seven-passenger touring car rolled onto Fairbanks' streets for the first time in 90 years on Tuesday.
The Pope-Toledo, a green windshield-less car with brightly polished brass fixtures, a wood interior and a hand-crank starter, is nearly identical to the first car to arrive in Fairbanks in 1908 and is the newest addition to the Fountainhead Antique Auto Museum.
FAIRBANKS — Alaska's tribal courts have fought for years to establish themselves in the eyes of the federal and state governments. They've made progress with a legacy of lawsuits, but there's still more work to be done.
The tribal court system was the focus of a three-day Alaska Tribal Court Development Conference held last week in Fairbanks by the Tanana Chiefs Conference that covered everything from the history of the courts to the current issues facing them.
FAIRBANKS — More peppers, beans and berries than usual and even a lone watermelon made an appearance at the Tanana Valley State Fair's Kiwanis Agricultural Hall on Tuesday for the adult section of the vegetable and fruit competition.
Thanks to a warmer than usual summer, the fair's growing competition has been host to a wide array of not-so-common vegetables and fruits grown in the Interior.
The hot weather gave Elwin Lawler enough of a bumper crop to bring produce to the fair for the first time in 47 years of attending the fair.
Juneau Empire ©2016. All Rights Reserved.


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Professional makeup artist Rebecca Swift uses make-up, wigs and colored contact lenses to recreate movie characters and famous celebrities features to post them online for Continue reading
Tag Archives: Makeup Effects
This 'double vision' makeup tutorial is perfect for Halloween. Talented makeup artist Tamang Phan shows you how to create a double vision special effects makeup Continue reading
Talented makeup artist Ilana Kolihnov is teacher at the Yarin Shahaf beauty school in Tel Aviv, Israel, demonstrates how to create a realistic Siberian Husky face, using Continue reading
Legacy Effects recently posted a video that features the process of designing and creating the animatronic Apatosaurus for Jurassic World. Go behind the scenes with the Continue reading
British artist Mike Hill is known for creating an amazing collection of hyper realistic silicone sculpture based on famous Hollywood actors and movie monsters. YouTube channel Tested paid a Continue reading
Chinese women travel to South Korea seeking skilled plastic surgeons are undergoing extreme transformation that they are now struggling to get past airport security on their way Continue reading
Filipino TV host Paolo Ballesteros, 31, uses make-up, wigs and colored contact lenses to painstakingly recreate famous female features before posting them online for his Continue reading
Five ordinary men agreed to put make-up and to be transformed into beautiful women. BuzzFeed asked a professional makeup artist to use half of the Continue reading


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Promoting, Protecting and Expanding the e-PTW market
A Single Voice for the Alternative Powered Two Wheeler Sector
A Single Voice for the Alternative Powered Two Wheeler Sector
A Single Voice for the Alternative Powered Two Wheeler Sector
About eMCI
Working Groups
Members Directory
Join Us
Press and Resources
eMCI News
Press Releases
The Motorcycle Industry Association (MCI) is a trade association representing companies from the wholesale side of motorcycling. Its remit is to protect and promote the motorcycle industry and expand the motorcycle market for the benefit of members.
With the evolution transportation towards alternative power sources, the MCI has established the eMCI to similarly represent those with an interest in accelerating the adoption of electric and alternative Powered Two Wheelers in the UK.
Widespread interest in the formation of the eMCI has been received from stakeholders with varying interests in the development of the Sector. Major motorcycle manufacturers are strongly supporting the development of eMCI, which is a natural complement to the MCI's activities - a trade association which has been at the forefront of representing motorcycling technological development for over a century.
Tour news from Harley-Davidson electric prototype
4th June 2015
Harley-Davidson's electric motorcycle prototype, billed as 'Project LiveWire' is currently in the middle of its European 'insight gathering' tour. 1000 ordinary riders across the UK and mainland Europe won their chance to ride the prototype via a competition. Their feedback will be added to information collected on a similar tour, which took place across the US last year. One of the first riders to try the bike in the UK gives his first impressions here. …
New generation of motorcycle set to be developed in the UK
3rd June 2015
The merger of former eMCI member Agility Global with electric vehicle engineering specialists Agni Motors, is set to yield a new breed of electric motorcycle. The newly formed Saietta Group will specialise in the design, engineering and manufacture of electric drivetrains across multiple sectors, including motorcycles. The Group recently revealed a teaser image of what it describes as a 'ground-breaking, high performance electric motorbike that's set to spearhead a new era for riders'. Saietta Group co-founder Lawrence Marazzi added that the bike "would demonstrate core …
Join Us
eMCI membership is open to all with an interest in developing the alternative and ePowered Two Wheeler (ePTW) sector e.g. manufacturers, finance and insurance companies, power providers etc.
You can read more about the benefits of membership and how to join here.
The eMCI will become stronger as membership grows and the range in stakeholder interest, experience and activity expands. It needs to develop quickly to ensure that the foundations are set today, for tomorrow's opportunity. If you are interested in the development of this Sector and in contributing towards its growth, please
join us
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Dreamscape Design Ltd


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Remember nights crying, praying to him, Jesus why
He talked back to me, told me you gon' be the best
And I believe him cause I never heard my Jesus lie
I say Amen, got me Meek Mill'n
Lyric Meaning
- It is pretty notable that Jag is a Christian referring to his lyrics. Christians pray to the Lord Jesus.
- So Jag was praying to Jesus one night that he could make it in the rap game, and he told him he would make it. And Jag knew it was going to happen because of all the guidance he has gotten in the past from Jesus.
- Amen is uttered at the end of a prayer.
- Amen is also a well-known song by Meek Mill.
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5 After these things I looked, and 3behold, pthe 4temple of the tabernacle of the testimony in heaven was opened. 6 And out of the 5temple came the seven angels having the seven plagues, qclothed in pure bright linen, and having their chests girded with golden bands. 7 rThen one of the four living creatures gave to the seven angels seven golden bowls full of the wrath of God swho lives forever and ever. 8 tThe temple was filled with smoke ufrom the glory of God and from His power, and no one was able to enter the temple till the seven plagues of the seven angels were completed.
Read More:
7 Days on Jesus' Birth
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Invest in a collection of Bible reference works (including commentaries and dictionaries) and you'll be able to use your library wherever you are—on your Windows or Mac computer, here at Biblia.com, or with our Bible! mobile app.
Use the same username and password for Biblia.com, the mobile apps, and desktop software. You can choose whatever combination of tools works best for you, and everything synchronizes automatically!


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America led the world to victory in the Cold War. We remain the world's lone superpower, dominant in ways the British empire never was. But as war loomed, we no longer led the world, for the world refused to follow. In Asia, Europe and Latin American, tens of millions now see us as a rogue superpower. Why?
The New World Order of George H.W. Bush's vision, where the United States would work through the United Nations to police the world, as free trade spread and democratization deepened, can now never be realized by his son. The Clinton vision, where America would nurture the institutions of World Government that would grow in power to constrain the sovereignty of nations to create world peace, is also dead.
What is America's vision now? What is our president's vision of our place and our role in the world now?
Interventionism appears to have bred the very isolation that the interventionists most feared. Yet, once Saddam is dead or gone and Iraq is disarmed, the Bush Doctrine -- "We will not let the world's worst leaders threaten us with the world's worst weapons" -- seems to require new ultimatums to Iran and North Korea.
Who will be with us in these wars? Will Tony Blair, after his near-death experience, be up for fighting another war? Where does the last superpower go after Baghdad? Those questions are ahead of this nation and this president.
But today's imperative is that the United States win this war we are in with as little bloodshed as is consistent with swift and certain victory, and make good on our commitment to liberate the Iraqis. The time for debate will come again. It is not now. Now, we should pray for our brave men and women, and commander in chief. God bless and keep America.
Rush Limbaugh defends Rubio's debate answer: He's absolutely right that Obama knows what he's doing | Allahpundit
Time for Team Hillary to break out the gender card for young liberal women who prefer Sanders | Allahpundit


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Picture: Scott Glenn 2011 Tribeca Film Festival Vanity Fair party at the State Supreme Courthouse - Arrivals New York City, USA - 28.04.11
SILENCE OF THE LAMBS star Scott Glenn is fighting to save his controversial war comedy BUFFALO SOLDIERS from obscurity.
The Miramax movie about a corrupt soldier, played by Joaquin Phoenix, and his efforts to sell off weapons and gear to terrorist groups has been blasted in America for being insensitive.
A victim of the country's hard-line patriotism following the September 11 terrorist attacks and the Iraqi conflict, the film has made a paltry $30,977 (GBP19,360) in two weeks.
Movie bosses are planning to expand the film so that it appears in more cinemas - and Glenn, who plays a hard-nosed SERGEANT ROBERT E. LEE in the project, is on the warpath.
He says, "What surprises me is that a number of people who have a hard time with this film haven't seen it. We're really not talking about a movie at all."
And, as for people who question his patriotism for taking part in the film, Glenn adds, "1958907 - my serial number in the United States Marine Corps."
Meanwhile ROBERT O'CONNOR, the writer of the book on which the film is based, has revealed his step-daughter was among the victims of the September 11 terrorist attacks on America in 2001, which ironically took place the day after he first saw the finished print of the film at the TORONTO FILM FESTIVAL in Canada.04/08/2003 17:46


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The figures could well form the backdrop to discussions later between U.S. Treasury Secretary Jacob Lew and German Finance Minister Wolfgang Schaeuble. Lew has voiced his opinion that Germany should be looking to get its current account more into balance as a means of shoring up the eurozone's stragglers.
Wednesday's figures from the Federal Statistical Office showed Germany posting a surplus in November of 17.8 billion euros ($24.2 billion), up from a downwardly revised 16.7 billion the previous month. A more detailed look showed exports rose 0.3 percent compared with the previous month to 93.2 billion euros when adjusted for seasonal and calendar factors, while imports declined 1.1 percent to 75.4 billion euros.
Germany, Europe's biggest economy, has for a while been criticized of relying too heavily on its exports and not importing enough to boost other economies in what is now the 18-country eurozone following Latvia's adoption of the single currency at the start of the year.
The United States, for one, has urged Germany to spend more while the International Monetary Fund has said a smaller surplus is the only way to even out the imbalances that plague the eurozone.
Speaking in Paris on Tuesday, Lew didn't specifically mention Germany but his message seemed aimed at Berlin as he pushed for European countries to help consumers and companies spend.
"Short-term demand has to be part of the agenda in terms of keeping growth moving in the right direction," he said.
Chris Williamson, chief economist at Markit, cautioned that a German move to emphasize exports less may not have the positive effect on the eurozone that some think.
"The widening surplus is likely to put increasing political pressure on Germany to rebalance its economy away from export-oriented growth towards domestic consumption," he said. "However, the flip-side is that stronger German export gains, especially to non-euro countries, helps boost business activity at companies within the euro area that are suppliers to German firms."


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Operator: Good day and welcome to the CNA Financial Corporation's First Quarter 2013 Earnings Conference Call. Today's conference is being recorded. At this time, I would like to turn the conference over to James Anderson, Senior Vice President of Investor Relations. Please go ahead, sir.
James Anderson - IR: Thank you, Jessica. Good morning, everyone and welcome to CNA's discussion of our 2013 first quarter financial results. By now hopefully all of you have seen our earnings release, financial supplement and presentation slides which we're providing for the first time, if not, you may access these documents on our website www.cna.com under the Investor Relations menu. Keeping with our expanding disclosures over the past few years, the slides are intended to provide further insight and transparency into our efforts to improve underwriting margins, enhance our financial strength and increase shareholder value.
With us on this morning's call are Tom Motamed, our Chairman and Chief Executive Officer and Craig Mense, our Chief Financial Officer. Following Tom's and Craig's remarks about our quarterly results, we will open it up for your questions.
Before turning it over to Tom, I would like to advise everyone that during the call there may be forward-looking statements made and references to non-GAAP financial measures. Any forward-looking statements involve risks and uncertainties that may cause actual results to differ materially from the statements made during the call. Information concerning those risks is contained in the earnings release in CNA's most recent 10-K on file with the SEC.
In addition, the forward-looking statements speak only as of today, Monday, April 29, 2013. CNA expressly disclaims any obligation to update or revise any forward-looking statements made during this call. Regarding non-GAAP measures, reconciliations to the most comparable GAAP measures have also been provided in our most recent 10-K, as well as in the financial supplement. This call is being recorded and webcast. During the next week, the call may be accessed on CNA's website.
With that, I'll turn the call over to CNA's Chairman and CEO, Tom Motamed.
Thomas F. Motamed - Chairman and CEO: Thank you, James. Good morning, everyone, and thank you for joining us today. CNA's first quarter net operating income of $231 million and net income of $250 million were strong financial results and consistent with last year's first quarter. We're especially pleased with the premium growth, accelerating rate increases and stable retentions reflected in this quarter's results. We still have work to do on the loss ratio, but we believe our strategies are coming together.
Investment results were good and our capital position continued to improve. CNA's book value per share excluding other comprehensive income increased 2% from year-end 2012. Our core Property & Casualty Operations produced net written premium growth of 10% in the first quarter, largely driven by rate increases across the portfolio. Hardy contributed 3 points of this growth. In addition, as shown on Slide 13, our target customer segments continue to represent an increasing share of total new business.
The first quarter combined ratio was 101.5, excluding the impact of catastrophes and prior year development, the ratio was 101, which was approximately 1 point better than both first quarter last year and full year 2012. Overall rates increased 8% in the first quarter extending a trade of rate increases that began in early 2011, our Specialty business continued to deliver solid underwriting results with a first quarter combined ratio of 95, more than 2 points better than last year's first quarter.
The loss ratio before catastrophes and development improved nearly a point from last year's first quarter to 67. We are pleased by Specialty's 5% growth, rate increases in Specialty rose to 7% with professional liability leading the way at 9%. Retention remains steady at 86%.
In Commercial, our first quarter combined ratio was 106.8 as compared with 106.2 in the first quarter of 2012. Commercial's combined ratio, excluding catastrophes and development was 103.7. This was 1.7 points better than last year's first quarter due to improvement in the non-cat accident year loss ratio. Commercial's underwriting margin improved approximately half a point over full year 2012 in spite of some sizable non-catastrophe weather-related losses during the quarter.
Commercial's net written premiums grew 9%. Rates also increased 9%, while retention improved one point from the prior year quarter to 78. We had double-digit rate increases in small business and middle market, which represent approximately 64% of the total Commercial book.
Hardy reported a net operating loss of $8 million in the first quarter on net written premiums of $55 million and a combined ratio of 105.5. Excluding catastrophes and development the ratio was 104.1 as compared with 105.8 in last year's fourth quarter. Hardy's first quarter loss ratios ex-cats and development was 47.3, 4.1 points better than last year's fourth quarter.
With that, I will turn it over Craig.
D. Craig Mense - EVP and CFO: Thanks Tom. Good morning everyone. First quarter net operating income was $231 million and operating return on equity of 8%. Operating income available to common shareholders was $0.86 per share. Our overall financial results were solid, driven by strong investment income and improved margins across all our businesses, including our Life & Group run-off business. We are encouraged by the first quarter rate increases and margin improvement, as well as continued net written premium growth in our core P&C business. We continue to emphasize growth in targeted segments, where we have specialized expertise in underwriting claim and risk control. Our core P&C operations produce first quarter net operating income of $257 million on a par with some of our best recent quarters.
Rate increases, steady retention and disciplined expense management were the key drivers of margin improvement in our Specialty and Commercial segments. The presentation slide, we posted on our website for the first time, provides some additional perspective on our rate and retention trends.
In Specialty, we are driving rate increases across the portfolio. As you can see on Slide 8 of that additional information not only are the increases improving over time, but our most aggressive rate actions are in lines where loss trends have pressured our margins such as private company management liability and lawyers professional liability.
As for Commercial, Slide 10 shows rate and retention trends that reflect our disciplined risk selection. As Tom mentioned, small business and middle market reached double-digit rate increases in the current quarter. Our underwriting expense ratio improvement from year-end reflects the growth in earned premium coupled with a lower level of spend after adjusting for the addition of Hardy. Sustaining this improvement will be a major focus for us this year. Beyond a very active approach to managing the portfolio, the first quarter results of our core P&C businesses continue to reflect our sustained disciplined reserving practices. We had a modest amount of favorable prior year loss development on a par with last year's first quarter.
In our non-core Life & Group segment improved results were attributable to favorable experience in our long term care business, driven by improved morbidity and persistency. We did benefit from favorable mortality results this quarter across all the Life & Group businesses. While the results were welcome, we do not think they reflect a longer-term trend at this time. We continue to actively manage our run-up business for improved operational effectiveness. In addition, we continue to evaluate the pricing on our long-term care business and seek rate increases where appropriate.
Our Corporate segment, which primarily includes corporate expenses, reported a $26 million first-quarter net operating loss, consistent with the prior year's first quarter. We believe our first quarter results reflect our progress as well as our potential to further improve our earnings power. Meanwhile, we continue to build on our balance sheet's financial strength and stability. All our capital adequacy metrics remain at or above our target levels and our liquidity profile remains very strong.
Book value per common share at the end of the first quarter was $46, a modest increase from year-end 2012, driven by earnings but, partially offset by a small decrease in our investment portfolio's net unrealized gain. Our pretax, unrealized gain position at quarter end was approximately $4.3 billion. Our common shareholder's equity excluding other comprehensive income was $11.7 billion or $43.30 per common share at quarter end, a 2% increase over year-end 2012.
Our statutory surplus at quarter end was essentially unchanged from year-end 2012 at approximately $10 billion. This is after a $100 million dividend paid to the holding company during the quarter. We continue to maintain significant dividend capacity at the insurance operating company level. Cash and short term investments at the holding company level were approximately $460 million at quarter-end. We continue to target cash at the holding company equal to about one year of our annual net corporate allegations.
Operating cash flow excluding trading activity during the quarter was approximately $240 million, including approximately $125 million in Sandy paid losses. Cash principal repayments through pay downs, bond calls and maturity were approximately $870 million in the first quarter.
Net investment income was $633 million pretax in the first quarter as compared to $648 million in the prior year. Our LP investments performed very well in the first quarter 2013, delivering pretax income of $131 million which was consistent with last year's first quarter. The first quarter rate of return in 2013 was 5.4%.
In Slide 17, you can see historical data on the performance of our LP investments, which on a 10-year annualized basis have outperformed the S&P 500, by approximately 160 basis points with less volatility.
Debt investment income from mixed maturity securities was $499 million pretax, a $17 million decrease from the prior year period. The effective investing at lower yields was partially offset by the year-over-year increase in invested assets. We made relatively minor changes to our investment portfolio sector allocation this quarter.
The investment grade corporate bond sector continues to represent a largest component of our invested assets. The average credit quality of our fixed maturity portfolio remained at A. The fixed income assets that support our long-duration life-like liabilities had an effective duration of 11.1 years at quarter-end, a slight decrease from 11.3 years at year-end 2012, and in line with portfolio targets. Effective duration of the fixed income assets that support our traditional P&C liabilities was 4.1 years at quarter-end, a slight increase from 3.9 years at year-end 2012. Our investment portfolio remains well diversified, liquid, high-quality and in line with our business objectives. One last point, we declared a quarterly dividend of $0.20 per share.
Now, we'll be happy to take your questions.
Operator: Amit Kumar, Macquarie.
Amit Kumar - Macquarie Research: Using Slide 13 as a backdrop, how would you quantify what percent of your P&C book is focus versus non-focus?
D. Craig Mense - EVP and CFO: You are saying that segments?
Amit Kumar - Macquarie Research: No, just as an overall percent. What would you say is your focus – just looking at the P&C portion, not looking for exact numbers, I'm just looking for a percentage.
D. Craig Mense - EVP and CFO: Right now, Amit, I would say in terms of what's written about two-thirds is in focus segments.
Amit Kumar - Macquarie Research: I guess related to that would be what would be the loss ratio bands if you will for the focus versus non-focus portion?
Thomas F. Motamed - Chairman and CEO: The loss ratio has been improving. It's roughly – I'd say let's say, this year, it's roughly equivalent has (been equivalent). Over past years there had been about a 5 to 10 point loss ratio disadvantage from the non-focus segments, but as we've shrunk the segments that the non-focus segments, as well as re-price those non-focus there's not a big loss ratio differential.
Amit Kumar - Macquarie Research: Eventually, does that keep on diminishing or as you take underwriting actions as you just said, that the loss ratio is equivalent, does the non-focus end up becoming focus over time?
Thomas F. Motamed - Chairman and CEO: No, we would drive more growth as we said and that's really been our strategy, it has been to specialize, remember, as we've said in the past, and write so that we sell outward through producers and two customers that fit our specialized appetite, so we would expect the percentage of focused business meaning where we think we have the expertise, the price and we can deliver a distinctive solution beyond just price in terms of risk control and claims to become a larger and larger portion of our business and that's what we would expect to drive the growth and to drive improved profitability in the business.
Amit Kumar - Macquarie Research: The second question is, you've talked about in the press release, non-rate underwriting actions for 2013 and 2014. I know we spent a lot of time talking about this in the past, what other specific actions do you foresee for 2013 and 2014?
Thomas F. Motamed - Chairman and CEO: Well I think what we talk is managing the mix so we are looking at problematic lines in Commercial like auto and workers comp and addressing those we address them by line, we address them by geography. We have told you on prior calls that we've had a bit of temperature and lawyers professional liabilities. So, we're kind of reevaluating how we're approaching that not only from our pricing standpoint, but risk selection. So, I think going back to Craig's earlier comments, we're focused on customer segments which we believe over time will be profitable for CNA and within those segments managing the mix from a line of business perspective, we believe will improve our returns over time.
Amit Kumar - Macquarie Research: And the final question and I will re-queue. This is a broader question on excess and surplus lines marketplace there has been a lot of chatter about a team moving from the leading surplus lines writer to another company. If you look at sort of the broader excess and surplus lines and I think you're the seventh or eighth largest writer, how do you expect this to play out and how could this possibly impact your business going forward?
Thomas F. Motamed - Chairman and CEO: Yeah, I think first of all we have some funny business in the E&S business that you quoted us being eighth we have some cell phone warranty business and some other things and also we have malpractice would be in there. But from our standpoint what you are talking about that type of business is pretty small for us, what we call CNA select it's pretty small, been a weak performer over time we're re-underwriting the book. We've gotten out of habitational property, we've told you that in the past. We've gotten out of transportation. So, it's very, very small to us. So, we don't think this has any impact. Now, I would tell you this, we are getting rate increases in the low-teens in our surplus lines business, what I call the casualty business that you're reading about. So, I think for us we're trying to improve that. We like our medical malpractice business, that's a good business so, but that's not what they're talking about that you're describing. So, I think that's probably the story.
Amit Kumar - Macquarie Research: Then what is the large account business as a percent of your surplus lines?
Thomas F. Motamed - Chairman and CEO: I don't know surplus lines. Of the other – if you look at the other number on the slide, its 17% of the other premium, it is about $50 million I think.
Operator: Jay Cohen, Bank of America Merrill Lynch.
Jay Cohen - Bank of America Merrill Lynch: A couple questions. I guess starting with Hardy. We don't have a great history with the numbers obviously. I guess in a quarter, where there is no major catastrophes, I found it a little disappointing to see that number, the combined ratio comfortably over a 100, what's going on there, what would be your expectations for business like that over the course of a year?
Thomas F. Motamed - Chairman and CEO: I think remember, Jay, we said, we are still relatively early in and mostly integration effort and expenses will be reflected in 2013. So, you do have some integration expense and still P-GAAP amortization expense running through there and recall that given the year of account underwriting and we're taking 100% of the 2000 year of account, you really just start to earn that premium and that increase, kind of slowly over the course of the year. So, what we've said in the past is don't expect the material either positive or negative for the majority of this year, but we'd expect that to improve pretty considerably late in '13 and we'd expect Hardy to make a meaningful contribution to both growth and earnings starting in '14. I think what we had also said to you is that, the loss ratio that you're seeing there is a reasonable expectation and that we thought the expense ratio would come down about 10 points over the course of the time as we finish the integration, if that helps you.
Jay Cohen - Bank of America Merrill Lynch: Numbers question. The investment income from P&C operations, do you have a break out between limited partnerships and fixed income, you used to break that out separately. I don't see that in the supplement. Do you happen to have that data?
Thomas F. Motamed - Chairman and CEO: Well, I would tell you that all of the limited partnership income is attributed to the P&C, and I think you ought to be able to see – I would think you'd be able to see in the P&Ls that are in the supplement in the press release and we can go back and find for you Jay, exactly what the pretax investment income. As I recall, the pretax investment income in Life & Group is a little over $200 million, like $204 million. So, if we had 490 something almost 500, the remainder would be in P&C and Corporate.
Jay Cohen - Bank of America Merrill Lynch: Now you breakout the investment income for P&C and Corporate, we just modeled just the P&C and I was wondering the breakdown between that number, which you do give that number between limited partnerships and other, but I can work offline on that one, that's not a big deal. And I think you had mentioned in one of the segments in the call you has said that non-cat weather was a little elevated, I just -- I didn't catch where you were talking about?
Thomas F. Motamed - Chairman and CEO: There were a couple of storms in the Southeast that didn't qualify for the ISO definition of cat, but they were weather-related. They added about just over a point to the loss ratio.
D. Craig Mense - EVP and CFO: That will be the Commercial lines.
Jay Cohen - Bank of America Merrill Lynch: The overall loss ratio...
Thomas F. Motamed - Chairman and CEO: Commercial lines.
Jay Cohen - Bank of America Merrill Lynch: Commercial lines loss ratio got it. And then lastly overall claims trends, can you talk about what you are seeing and if there are any changes in what you're seeing?
Thomas F. Motamed - Chairman and CEO: No, I'd say that general claim trends have been pretty steady, elevated a little bit in auto which I think we mentioned before. But if you're looking for your claim trend percentages, we think in Specialty line something around 3% or 3.5% the general inflation trend and in Commercial lines somewhere between 3.5% to maybe 4% as a general claim inflation trend. But relative to frequency no particular upticks or changes in frequency from what we've seen past.
Thomas F. Motamed - Chairman and CEO: I think that the point to, Jay, when you look at loss trends, in Commercial earned rate is clearly exceedingly loss trends. The same thing is happening in Specialty and if that's kind of what we would call improvement on the margin, really didn't start until the second half of 2012, but is now picking up. So, pretty good differential between earned rate and loss trend. So, we're pleased with that, but that's going to take a little time to kick in.
Operator: Ron Bobman, Capital Returns.
Ron Bobman - Capital Returns: I want to follow-up on Jay's question about Hardy. I'm looking at the Slide -- Page 11, the $3 million of the pretax development items the impact, is that $3 million favorable?
D. Craig Mense - EVP and CFO: No, that was unfavorable.
Ron Bobman - Capital Returns: Then my – just so I understand your comments Craig, 10 points of improvement, I think you were sort of saying on the expense ratio from here or from some earlier point in time, as far as the expense ratio. So I mean I think have 10 points lower than 57?
D. Craig Mense - EVP and CFO: From here.
Ron Bobman - Capital Returns: So, obviously, I take 10 points off of 104, it's a 94, we had no cats, thankfully, but we had some adverse development. But did you really – is the target really for Hardy over the cycle, over the course of the year to be at 94, when my base has got no cats in it, it just seems surprisingly high for what I believe is a severity rater.
D. Craig Mense - EVP and CFO: No, and we would consider that to be with cat loaded in Ron, in terms of what we'd expect.
Ron Bobman - Capital Returns: So you expect – okay, with some cat load at 94 but that – okay, I'm surprised the target isn't lower.
D. Craig Mense - EVP and CFO: Well, I think that maybe you're thinking of – Hardy is not a heavy – they are a Lloyd's participant but they are not a heavy cat writer. They wrote a small amount of property treaty and they are heavy first party writers, so they do have cat related exposures to the property business, but we're not talking about a property cat reinsurer here. That's a very small component of their book of business.
Ron Bobman - Capital Returns: My understanding was it was definitely a specialty writer, but it was sort of severity minded, whether it was writing marine and other lines. Thanks for the additional description.
Operator: (Kevin Shields, Pine River Capital.)
Kevin Shields - Pine River Capital: I had a couple of questions. Could you give us anything that was unusual in the paid losses this quarter and give us the paid losses for cat this quarter and last?
Thomas F. Motamed - Chairman and CEO: First of all, Superstorm or Hurricane Sandy, that's why you're seeing the paid to incurred being higher in commercial. It's clearly related we're paying those points now. So, that would be the answer.
Kevin Shields - Pine River Capital: You have a re-estimated Sandy loss estimate and the percentage that's been paid at this point?
Thomas F. Motamed - Chairman and CEO: We do not have. We have not re-estimated or we haven't changed our estimate I should say of Sandy. And what I said in my remarks as we paid about $125 million of claims over the course of this quarter.
Operator: Amit Kumar, Macquarie Research.
Amit Kumar - Macquarie Research: Few follow-ups. Just going back I guess Slide 8 and Slide 10, regarding the new business production. Can you talk about, which segments is that going into for -- I guess which sub-segment is it going into for those two segments, is that in some specific segment, just remind us or refresh us, where that is coming from?
Thomas F. Motamed - Chairman and CEO: Amit, just so we understand the question. Are you looking for…
Amit Kumar - Macquarie Research: The distribution of new business amongst the sub-segments?
D. Craig Mense - EVP and CFO: Between HealthPro, management liability and international surety?
Amit Kumar - Macquarie Research: Yes.
D. Craig Mense - EVP and CFO: Well, we have not provided that disclosure, I don't think I have this right here with us to give you. But we did share with you on the later slide what percentage we're going in -- what percentage of that we're going into identified customers segments, which would include small business. So, I don't have a breakdown of new business by each of those sub-segments here today.
Amit Kumar - Macquarie Research: Maybe I can follow-up offline on that. The second question is the prior discussion on, I guess professional liability and maybe I missed this, was there any adverse development in this quarter, which was more than offset by prior period reserve releases?
D. Craig Mense - EVP and CFO: Quarter in professional liability…?
Amit Kumar - Macquarie Research: Yeah, or any other segments specifically, which was more than maybe adverse development in the recent years more than often by prior period reserve releases?
D. Craig Mense - EVP and CFO: I'd tell you that in general both the 11 and 12 years, we looked at them relatively unchanged. We did have a small amount of prior development, most of that in commercial was general liability lines, but those are '02 and prior years, and then professional liability, I should say in Specialty, the favorable development was really driven by Med-Mal and that's more prior years, current years, that's been a little worse than prior, but this kind of things bump around, I don't think anything that's significant – wouldn't point anything significant trend wise. Some of the Specialty businesses we write, the property casualty covers alongside in a couple of those segments, particularly Aging Services in some of the HealthPro segments and we had some positive development our of Health, really out of the property related businesses in HealthPro. So, those were where the favorable development was, but I don't know if that's exactly your question there. There's always going to be a little moving here and there, but nothing significant.
Amit Kumar - Macquarie Research: So, that's what I was looking for, if anything had changed, just based on I guess commentary coming out one other company, the last question I had was on the run-off segment, you said in your opening remarks you're evaluating pricing and I guess, seeking rate increases where appropriate. Can you just expand on that and maybe give a specific example?
D. Craig Mense - EVP and CFO: Well, we have been, as you know, most of that older generation business you've heard it from other writers has been underpriced and as those products have come off rate guarantees, we have looked at those products performance and we've filed for rate increases where they've been appropriate, and where we've so far I'd say, we've been generally successful with regulators at getting those or at least getting a portion of those, the only real – maybe the most meaningful contribution you could look at is you can look at the net written premium in that non-core health segment which is about 151 million both this quarter and last. So really, that's about $6 million of rate increase in this year's quarter, which is the reason it's flat despite the fact that we've had lapses in debt that come from past. So we're continuing to push additional rate increases through the book and we think that should make a more meaningful contribution going forward but it's a little early to count that.
Operator: Vinay Misquith, Evercore.
Vinay Misquith - Evercore: Question on the ROE, this quarter we saw an 8% ROE for the Company. What do you think would be a reasonable ROE for the Company given the low interest rate environment, given the competitive landscape right now?
Thomas F. Motamed - Chairman and CEO: Is that a target or where are we today?
Vinay Misquith - Evercore: What would be your target and when do you think you can get there?
Thomas F. Motamed - Chairman and CEO: Well, I think what we've said in the past was that we thought the run rate in the last quarter I said the run rate was about 6. I would tell you that we're trending more closer to 7 at the moment and we believe we could even in this low interest rate environment and with the drag get close to 10. I don't think we've given exactly a time period for that, but over the next several years.
Operator: And it appears that there are no more questions at this time. I'd like to turn the conference back over to today's speakers for any closing or additional remarks.
James Anderson - IR: Thank you.
Operator: This does conclude today's conference. Thank you for your participation.


text:
Dangling by a Thread by LuckyebbieWatch
©2013-2016 Luckyebbie
I can't pinpoint why, but there's something really compelling about this. Seeing only the limbs and not the body gives it a very creepy feel (in a good way). Makes me think of spiders.
Good colours, interesting idea. Right foot looks ouch...


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