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PEARLS is a financial performance monitoring system designed to offer management guidance for credit unions and other savings institutions. PEARLS is also a supervisory tool for regulators. PEARLS can be used to compare and rank institutions and can provide comparisons among peer institutions in one country or across countries.
PEARLS is a set of financial ratios or indicators that help standardize terminology between institutions. In total, there are 44 quantitative financial indicators that facilitate an integral analysis of the financial condition of any financial institution. The purpose for including a myriad of indicators is to illustrate how change in one ratio has ramifications for numerous other indicators.
Each indicator has a prudential norm or associated goal. The target goal, or standard of excellence for each indicator is put forth by World Council of Credit Unions based on its field experience with strengthening and modernizing credit unions and promoting savings-based growth. Depositors can have confidence that savings institutions that meet the standards of excellence are safe and sound.
PEARLS, primarily a management tool for institutions, can also be used as a supervisory tool by regulators. As a management tool, PEARLS signals problems to managers before the problems become detrimental. For boards of directors, PEARLS provides a tool to monitor management's progress toward financial goals. For regulators, PEARLS offers indicators and standards to supervise the performance of savings institutions.Top
In partnership with credit unions, World Council created PEARLS in the late 1980s. World Council has refined and adjusted PEARLS over the past decades. World Council uses PEARLS with all credit unions participating in its technical assistance programs around the world. In addition to individual credit unions and credit union national federations and associations (including many World Council members), the Bolivian Superintendency of Banks uses PEARLS to supervise regulated credit unions in Bolivia.
The primary goal of evaluating the protection indicators, as the heading implies, is to ensure that the financial institution provides depositors a safe place to save their money. Provisions for loan losses are the first line of defense against unexpected losses to the institution. Allowances for loan losses are essential, since delinquency signals that loans are at risk; thus, the institution must set aside earnings to cover those possible losses so that member-client savings remain protected.
When financial intermediaries do not recognize loan losses:
The most critical ratio under protection is P1. The goal of P1 is to have 100% provisions for loan losses from loans that are greater than 12 months delinquent. Accurate measurement of delinquency (total outstanding balance of portfolio-at-risk at 30 days), indicator A1, is integrally linked to the creation of adequate allowances for loan losses.
The protection section considers loan write-offs on a quarterly basis for loans delinquent more than 12 months. The practice of writing off loans is important because after a loan is delinquent for one year, it is unlikely the institution will receive repayment of that loan. The institution uses the provisions it has set aside of 100% of the value of that loan to write off the delinquent loan. As a result of the write-off, the balance sheet will accurately state the value of the institution's assets.
To write off a loan does not mean the institution stops seeking to collect payment on the loan. For this reason, protection indicators also consider amounts recovered from written-off loans.
The last indicator under the protection heading is solvency. This indicator measures the relative worth of one dollar in member-client savings after adjusting for known and probable losses.
The formula for calculating this ratio is:
[(Total Assets + Total Allowances) - (100% of Loans Delinquent > 12 Months + 35% of Loans Delinquent from 1–12 Months + Total Liabilities + Problem Assets) - Deposits] / Total Shares and Total Deposits
|P - Protection
|Goals (Excellence)
|1. Loan Losses Allowances / Delinq. >12 Mo.
|2. Net Loan Loss Allowances / World Council Allowance Required for Delinq. 1-12 Mo.
|3. Complete Loan Charge-off of Delinq. > 12 Mo.
|4. Annual Loan Charge-offs / Average Loan Portfolio
|5. Accum. Charge-offs Recovered / Accum. Charge-offs
|> 75%
|6. Solvency (Net Value of Assets/Total Shares & Deposits)
|≥ 111%
ffective Financial Structure
The financial structure is the most important variable that affects growth, profitability and efficiency. Credit unions that maintain most (70–80%) of their total assets in the loan portfolio have the greatest opportunity to maximize returns on these productive assets while providing their member-clients with the credit services they seek. Similarly, institutions that fund their assets primarily (70–80%) with member-client deposits are independent from the fluctuating price of external funds.
Financial structure is always changing and requires careful management, especially in cases of rapid growth.
The effective financial structure area of PEARLS focuses on an institution's sources of funds (savings, shares, external credit and institutional capital) and its uses of funds (loans, liquid investments, financial investments and non-earning assets). The PEARLS system provides information over time; therefore, managers, directors and regulators can observe the structural evolution of both the sources of funds and the uses of funds.
An institution has an effective financial structure when assets, financed by savings deposits, generate sufficient income to pay market rates on savings, cover operating costs and maintain capital adequacy.
Institutional capital, all legal reserves and surplus created either from the accumulation of net income or from capital donations, is the second line of defense to absorb unexpected losses. Institutional capital can be invested to expand products and services. It also can be used to pay for the high costs of technology and building construction.
Net Institutional Capital, ratio E9, is Reserves, Retained Earning and Provisions net of 100% of delinquent loans greater than 12 months and net of 35% of delinquent loans between 30–364 days overdue divided by Total Assets.
|E - Effective Financial Structure
|Goals (Excellence)
|1. Net Loans / Total Assets
|2. Liquid Investments / Total Assets
|≤ 16%
|3. Financial Investments / Total Assets
|≤ 2%
|4. Non-financial Investments / Total Assets
|5. Savings Deposits / Total Assets
|6. External Credit / Total Assets
|7. Member Share Capital / Total Assets
|≤ 20%
|8. Institutional Capital / Total Assets
|≥ 10%
|9. Net Institutional Capital / Total Assets
|≥ 10%
sset Quality
Asset Quality is the main variable that affects institutional profitability. An excess of defaulted or delayed repayment of loans and high percentages of other non-earning assets have negative effects on credit union earnings because these assets are not earning income. As mentioned in the Protection discussion, it is essential that delinquency be measured correctly and minimized. Delinquency, commonly referred to as portfolio-at-risk, is the total outstanding balance of loans delinquent greater than 30 days. This ratio is a measurement of institutional weakness because if delinquency is high, then other key areas of credit union operations could be weak; e.g. loan loss provisions, institutional capital and net income.
In addition to controlling delinquency, institutions also must monitor the ratio of non-earning assets to total assets and ensure that these non-earning assets are not financed by savings deposits, external credit or member shares (in the case of a credit union or other user-owned financial cooperative). Sources of funds that have a financial cost such as savings deposits need to be invested in productive assets that will earn a return greater than the cost of funds. The only way to have non-earning assets, such as fixed assets, without negatively affecting earnings is to finance those assets with no-cost capital such as institutional capital or reserves.
|A - Asset Quality
|Goals (Excellence)
|1. Total Loan Delinquency / Gross Loan Portfolio
|≤ 5%
|2. Non-earning Assets / Total Assets
|≤ 5%
|3. Net Zero Cost Funds / Non-earning Assets
|≥ 200%
ates of Return and Costs
The Rates of Return and Costs indicators monitor the return earned on each type of asset (use of funds) and the cost of each type of liability (source of funds). On the assets side, one can determine what types of assets earn the highest returns. On the liability side, one can determine what are the least and most expensive sources of funds.
Yields and costs directly affect the growth rates of an institution. The intent is for an institution to: pay real rates of return on savings and shares, charge rates on loans that recover all costs and pay competitive salaries for employees.
The goal of R1, Net Loan Income divided by the Average Net Loan Portfolio, is for loan prices to be set at Òentrepreneurial rates.Ó The entrepreneurial rate needs to cover the cost of funds, the cost of operations and administration, the cost of provisions and the cost of contributions to increase capital.
The income ratios identify income from net loans, liquid assets, financial investments and non-financial investments. Financial cost ratios look at the costs of savings deposits, external credit and dividends on shares. Operating cost ratios (R9, R10) separate out operating costs and provisions for risk assets.
|R - Rates of Return and Costs
|Goals (Excellence)
|1. Net Loan Income / Average Net Loan Portfolio
|Entrepreneurial Rate
|2. Liquid Inv. Income / Avg. Liquid Investments
|Market Rates
|3. Fin. Investment Income / Avg. Fin. Investments
|Market Rates
|4. Non-fin. Inv. Income / Avg. Non-fin. Investments
|5. Fin. Costs: Savings Deposits / Avg. Savings Deposits
|Market Rates > Inflation
|6. Fin. Costs: External Credit / Avg. External Credit
|Market Rates
|7. Fin. Costs: Member Shares / Avg. Member Shares
|Market Rates, > R5
|8. Gross Margin / Average Assets
|9. Operating Expenses / Average Assets
|≤ 5%
|10. Provisions for Risk Assets / Average Assets
|11. Other Income or Expense / Average Assets
|12. Net Income / Average Assets (ROA)
Managing liquidity is an essential component of administering a savings institution.
The goal of L1, 15% of short-term investments minus liquid assets minus short-term payables over total savings deposits, serves to maintain short-term investment liquidity to respond to member-client withdrawal and disbursement demands. The goal of indicator L3, to maintain the ratio of costly non-earning liquid assets to less than 1% of total assets, is to minimize non-earning cash to most daily opeational needs.
|L - Liquidity
|Goals (Excellence)
|1. Liquid Assets - ST Payables / Total Deposits
|2. Liquidity Reserves / Total Savings Deposits
|3. Non-earning Liquid Assets / Total Assets
|< 1%
igns of Growth
Signs of Growth reflect member-client satisfaction, appropriateness of product offerings and financial strength. Growth directly affects an institution's financial structure and requires close monitoring to maintain balance; for example, growth in savings (S5) drives growth in total assets (S11), but if loans (S1) are not growing as quickly as savings, then the institution will have high liquidity (L1) and low earnings (R12). Similarly, as savings are growing, it is important to watch that institutional capital (S8) is increasing at a similar pace so that there will be a buffer to protect those savings against unexpected losses. The growth indicators of PEARLS can help managers maintain a balanced and effective financial structure.
Growth in Total Assets is a critical indicator since 16 of the other PEARLS performance indicators are linked to it.
An institution needs to maintain accurate macroeconomic information, particularly the annualized inflation rate, in order to attain positive real growth.
|S - Signs of Growth (Annualized Rates)
|Goals (Excellence)
|1. Net Loans
|2. Liquid Investments
|3. Financial Investments
|4. Non-financial Investments
|5. Savings Deposits
|6. External Credit
|7. Member Shares
|8. Institutional Capital
|9. Net Institutional Capital
|10. Membership
|≥ 15%
|11. Total Assets
|> Inflation + 10%
There are three primary differences between the PEARLS and the CAMEL (Capital Adequacy, Asset Quality, Management, Earnings, Liquidity) monitoring systems:


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It was first caught as a Turtwig after battling Ash and his Pikachu. Turtwig has battled many opponents before: Paul's Chimchar, Roark's Rampardos, Gardenia's Turtwig, and Crasher Wake's Quagsire. While battling Paul's Honchkrow in DP100, it evolved into Grotle, but lost due to its lowered Speed. But after learning how to cope with its defense from Paul's Torterra when it fought Gliscor, Ash managed to make Grotle stronger and learned Rock Climb. Since evolution, Grotle managed to defeat foes like Candice's Sneasel.
After being used in a gym battle against Volkner, which got postponed, Ash's Grotle evolved during a battle with Team Rocket. With its new size and strengths, it now knows more powerful moves such as Leaf Storm in addition to the moves Energy Ball, Rock Climb and Synthesis. Despite its size and power, it has been defeated in several battles against Pokémon it should have an advantage over: Volkner's Electivire, Bertha's Hippowdon and Paul's Drapion (however although Torterra was part Ground type he did not know any Ground type moves and his Grass type charactiristics made him more vulnerable to Drapion than most Ground types, not to mention its new size made him a easy target for more speedy foes with moves he is vulnerable against). Ash decided to leave Torterra at Professor Oak's Lab when he made a fresh start for Unova. It currently resides at Professor Oak's Lab.
It will reappear along with all of Ash's Pokemon in an upcoming episode of Best Wishes Season 2.
Known Moves
|Gettin' Twiggy With It!
|Razor Leaf
|Gettin' Twiggy With It!
|Gettin' Twiggy With It!
|Synthesis +
|Gettin' Twiggy With It!
|Energy Ball +
|Tanks for the Memories!
|Rock Climb +
|The Lonely Snover
|Leaf Storm +
|The Fleeing Tower of Sunyshore!
|+ indicates this Pokémon used this move recently.*
- indicates this Pokémon normally can't use this move.
- When it was a Turtwig, it had it's own way of showing affection by biting on someone's head.
- Torterra is the only Pokémon in Ash's Sinnoh team that has never defeated any of Paul's Pokémon.
- As a Turtwig, it was more active and very quick, but when it evolved into a Grotle it lost it's speed and became less active.
- Throughout it's evolution, Torterra has relied on specific stats to battle. As a Turtwig it relied on speed, accuracy and evasiveness, as a Grotle it relied on defense, patience and precise attacks, and as a Torterra it relied on attack power, strength and healing.
- After evolving from Grotle to Torterra, its was the first time Ash had 2 fully-evolved starter Pokemon from the same region.
- Torterra has not learn a Ground-type move, despite its evolution into a Ground-type Pokemon.

subset: commoncrawl


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Set in 240 acres of stunning parkland, Coworth Park is part of the luxury Dorchester Collection, sister to The Dorchester in London. The hotel offers luxurious guest rooms and suites, polo grounds, st...More about Coworth Park
Spend the night at Premier Inn Maidenhead Town Centre and you're at the heart of everything this Berkshire town has to offer. Update your wardrobe in The Nicholson Centre or leave the high street behi...More about Premier Inn Maidenhead Town Centre
This impressive Victorian mansion, close to Ascot Racecourse, offers executive bedrooms that are spacious, comfortable and particularly well equipped. Public rooms include a cosy bar and an elegant re...More about Macdonald Berystede Hotel & Spa
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January 11, 2013
Josh Helmholdt
Rivals.com Football Recruiting
The recruiting process started late for Madison (Wis.) Memorial three-star wide receiver Jester Weah, but with less than a month until he signs his letter of intent activity is starting to pick up. He will take his next official visit of the process to Pittsburgh the weekend of Jan. 18. ...More... To continue reading this article you must be a member. Sign Up Now!
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Former Joint Chiefs of Staff Chair Shares Story of Rise to the Top
Contact: Patrick Verel
(212) 636-7790
Admiral Michael G. Mullen
Photo by Patrick Verel
Admiral Michael G. Mullen, 17th chairman of the Joint Chiefs of Staff, advocated for a more robust use of diplomatic power in a wide-ranging talk at Fordham's Rose Hill campus.
In "Reflections from the Top," which he delivered on March 25 to a capacity crowd in Tognino Hall, Mullen, who held the highest rank in the U.S. armed forces from October 2007 to September 2011, cited his 27 visits to Pakistan during his tenure as an example of one way to build diplomacy with the head of the Pakistani Army.
The diplomatic tactic took center stage when Mullen had to speak with the Pakistani general following the killing of Osama Bin Laden, he said.
"It was a great night for us but [it] wasn't his best night," he said, noting how having already built a strong relationship beforehand made diplomacy in a delicate international incident much more possible.
"The requirements for us to engage and have relationships, particularly among militaries all over the world, are going to continue to grow."
Mullen noted that the central theme of a course he's currently teaching at Princeton University, U.S. Diplomatic Power and U.S Military Power: Achieving the Right Balance, is that the United States has become too militarized.
"It's become too easy to use the military. I can't tell you the number of meetings I've been to in Washington, D.C., where everybody in the room is a military expert, and I'm the only one in the room that's sitting in a uniform," Mullen said.
He embraced a "three legged stool" model of counterinsurgency strategy promoted by General David Petraeus in Afghanistan that emphasizes simultaneous improvements in development, security and governance.
"It provides security, yes, but it is also supports good governance. It's the good governance piece and the development piece, and if you don't get that moving, then the security piece isn't going to make a difference," he said.
In spite of his achievements, Mullen noted that his was not a smooth ascension through the military. He loved figuring out how to hold himself accountable for the ships he commanded in the 1970s, but he also found it challenging. He also admitted that there were times when he "failed miserably."
"That issue of accountability, leadership, and responsibility for your mission and your people had an extraordinary impact on me," he said. "I learned so much more when I failed than when I succeeded, and it was less about the incident or the situation in which I failed, and a whole lot more about what I did after. Did I give up? What did I learn? Was I a better person because of that?
"Those lessons have stuck with me to this day."
Mullen said his three biggest concerns for the country are the national debt, education and political paralysis.
Photo by Patrick Verel
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Date(s) - 11/12/2014
10:00-am - 11:30-am
Library Auditorium
Learn how to navigate around Windows 7 and use all the features. This class also covers basic care and maintenance of your computer. You will learn about free software you can download to protect your computer from viruses, detect and delete malware, and defragment your hard drive. We will also discuss options for backing up and recovering files, as well as other ways to keep your computer healthy.
This event is fully booked.


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Electric Lady Janelle Monáe delivers
By Junauda Petrus
Contributing Writer
Janelle Monáe's concert on Tuesday, October 22 at the Skyway Theater, like her music, referenced a legacy of soul that young audiences were eager to witness. The music from her latest contribution, The Electric Lady, like her past works, is thought-provoking and critical, yet funky and cutting edge. Monáe's music is bringing Afro-futurism to modern-day realities with cleverness, freshness and fun in a musical climate that is in desperate need of her fearless, funky soul. The show was a dynamic unforgettable experience that made it clear she has all of the makings of a musical icon. Monáe is a genius at making music that is complex and entertaining – an impressive pairing in a musical era in which mainstream content is often saturated with lyrics that seem allergic to any real depth or social reflection. Continue Reading →
The re-rebirth of soul
Electric Lady Janelle Monáe delivers


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Learn all about what makes up a desert and how life has adapted to life in the desert.
Come up with questions about a topic and learn new vocabulary words to determine answers using an Ask, Answer, Learn table.
Enormous dust storms from a thunderstorm collapse can strike dusty, arid regions.
The hottest temperature ever recorded at a meteorological stations is not the hottest temperature Earth's surface has known.


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There's something new in the Children's Room at the Central Library! No, it's not a puppy…or any other type of pet.
Instead, it's a new display of books that just might interest you this summer! The display is called STAFF PICKS and it is located just outside the door to the Children's office, on top of the series shelves. These books have been hiding in the fiction collection for a while, and just decided among themselves that they wanted to "get out where kids would see them."
So, the next time you are in the Children's Room at Central, and want a good story to read, check out the Staff Picks display. We'll do our best to keep it stocked with stories that will make you laugh out loud, or maybe cry. You'll find something there that you can identify with! Then, you can write your own review of the book so that other kids will be tempted to read the same book.
Everybody can sign up for Summer Reading Games to win prizes, have fun, and keep those reading skills sharp over the summer! There are so many new books and so much new content available electronically that you really could find something new every day of the summer. In addition to some great prizes you'll earn by reading 20, 40, and 60 days, you'll receive a bead (sticker for children birth to entering kindergarten) every time you visit any KPL location and check in with your Summer Reading Gamecard. How many beads will you collect this summer?
Here are some events to kick off Summer Reading Games at KPL!
Some of the events are special prize draw events which means you could be a winner - but you've got to come to the program to win.
You don't have to play Summer Reading Games to attend these programs, but why wouldn't you with all the great prizes you can earn. Sign up for Summer Reading Games beginning June 15!
Looking for Princess books based on popular Disney animated and live action features old and new? How about Ariel and all her friends under the sea? How about books based on Hannah Montana or Pirates of the Caribbean? Of course, your library has these features on DVD, but now you can watch/read Disney tie in ebooks via Overdrive – with no waiting! Even if you're not a Disney fan, you may be interested in ebooks based on various Disney properties via your home computer or on one of the blazin' fast newly upgraded library computers.
You can view nearly 700 Disney titles based on the Disney properties Cinderella, Aladdin, The Little Mermaid, 101 Dalmations, and much, much more. They're always available for streaming, not downloading, to your computer, and they are compatible to play on Windows and Mac computers. Just add the title to your bookbag like any other ebook on Overdrive, proceed to check out, select the lending period, click Confirm Checkout, and then click Launch and you're off to the races with Ariel and all the rest! Many of these eBooks have built in trivia games and other added enhancements, too. Enjoy!
Give Me the Princess - with No Waiting!
It's time for Singalong Storytime! An evening storytime with music, movement, great picture books, puppets, and a special musical guest. This time we'll meet the violin and our special friend who plays it. Don't miss it! Singalong Storytime is Tuesday, May 17, at 6:30 pm.
Coming up on Tuesday, May 24th, at 6:30 pm is a special interactive drawing workshop about how to stand up for others. Illustrator Kim Shaw bases a unique art program on her book, The Juice Box Bully, written by Bob Sornson and Maria Dismondy. Kim's program features a book reading, time for questions and answers, and an interactive drawing workshp, all designed to empower kids to stand up for others. This program is best for children ages 5 - 11 years old, caregivers and teachers.
There are so many wonderfully fun stories about monsters that we had to have a singalong storytime all about them. We read Go Away Big Green Monster, Thelonius Monster's Sky-High Fly Pie, and considered the merits of The Monster at the End of this Book along with When a Monster is Born. Our very special guest was Mr. Steve who brought along Honey the Bear to sing along with Octy and all of us. Then we had a monster parade over to the craft tables and made big green monsters. Join us for our next Singalong Storytime on May 17 where we'll have more music games and singalong songs along with favorite stories, puppets, a special guest, and a craft.
Stories, songs, puppets, movement, musical instruments, a special guest, and a special craft - it's Singalong Storytime! I hope you'll join us as we celebrate almost spring time with fun stories and a special craft about monsters (the fun kind, not the scary kind). This month's special guest is... a surprise! You'll have to come to find out who it is. We'll ask our special guest to sing along with us and Octy the Octopus who, as you know, speaks with musical notes, not with words as you and I do.
Join us for a fun almost-springtime evening of fun at the library!
What a great time was had by all when Jim Gill came to the Van Deusen Auditorium! Jim performed audience favorites while children and families clapped, danced, and sang along. When he presented his new picture book, A Soup Opera, the whole audience had the chance to be opera singers complete with sound effects and a musical score.
Jim Gill leaves people feeling like they attended something more than a concert. With wordplay and movement opportunities, Jim leads families in playing together with music and movement. He has a unique ability to get everyone in the room participating in songs and musical movement games.
Take a look at upcoming events for children and families at the KPL children's program calendar.
The Eastwood Branch Library is currently hosting an exciting program called "Reading With Bailey" every Thursday in January from 3:30 to 5:30 pm. Children (and their parents) can sign up for a fifteen minute session to read to Bailey the lovable and easy going Schnoodle (Schnauzer Poodle mix) dog. Bailey is certified through Therapy Dogs International. His credentials even include the Canine Good Citizen Award! Nine-year-old Bailey and his owner, Anita Lawson, have been involved with this successful program at KPL for three years. Thanks to a generous donation in support of Reading with Bailey, as of mid-2010 the library even has a special collection of dog books with Bailey's name on them!
Reading out loud to therapy dogs has been recognized as an effective and positive way to improve reading /literacy skills in a unique, fun and non- threatening way. While it is especially helpful with children who struggle with reading and possibly low self-esteem, reading to a therapy dog like Bailey is a wonderful way to spend time at the library for all children. Reading Education Assistance Dogs, or R.E.A.D., promotes Reading with Dogs programs.
Call the Eastwood Branch Library at 269-553-7811 to Read with Bailey!
It's become a holiday tradition. Aerial Angels, Kalamazoo's own high-flying female circus artists, will perform at the Central Library on Wednesday, December 29th, at 11 am. Performing feats of grace, strength, and beauty suspended between floors of the library rotunda, the troupe presents a new show in which pirates invade the library. If you've yet to see an Aerial Angels performance you will be amazed at the artistry, athleticism, and just plain fun that these experienced performers bring to your library in a program with the highest "thrill" factor around.
Children and families can enjoy a special circus themed storytime in the Central Library Children's Room immediately following the Aerial Angels' performance.


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St. Louis, MO (KSDK) - A federal grand jury indicted a 39-year-old Wildwood man Thursday for allegedly submitted false income tax returns and producing altered records when subpoenaed, US Attorney Richard Callahan said.
According to the indictment, Frank "Tiger" Zerjav Jr. submitted false tax returns for the years 2001 through 2004, and submitted false accounting records to evade paying taxes totaling $182,000. Zerjav is also accused of interfering with the grand jury investigation by forging Quickbooks accounting documents of an entity identified as Advisory Group-West, Inc.
Frank Zerjav Jr. was charged with four counts of tax evasion one count of obstruction of justice.
If convicted, Zerjav faces up to five years imprisonment and a $250,000 fine on each count.


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I haven't fought a duel with deadly weapons (OK, there was this time when I was a senior in high school and a nut pulled an art scalpel on me) nor sent or accepted a challenge to fight a duel (again asterisk here – do you count marriage?). I'm a legal citizen of the United States, uphold the liberty of states and swear my allegiance to the community of The Oldham Era as its publisher for 2011.
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October 30, 2013
Josh Helmholdt
Rivals.com Football Recruiting
Dorian Baker ended a long drought of Midwest commitments when he pledged to Kentucky. Who will be next prospect to commit? ...More... To continue reading this article you must be a member. Sign Up Now!
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Design your own t-shirts and apparel with Silhouette Heat Transfer Material. Print any design directly onto the transfer sheet using an inkjet printer, and then iron them onto clothes and other fabrics for a professional, custom look.
Choose Heat Transfer Material for light or dark fabrics, both sold in a package of five
Note — This material can be used with the Silhouette Electronic Cutting Tools (sold separately), or can be cut with scissors for less intricate designs.
® Silhouette is a registered trademark.


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Sacrilege versus civility: Muslim perspectives on the Satanic Verses affair
Islamic Foundation, Jan 1, 1991 - Literary Criticism - 383 pages
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text:
Coghlan's Magnetic Bear Bell with Silencer
The Coghlan's Magnetic Bear Bell is one way to be noticed on the trail without slamming into mountain enthusiasts. It provides a steady warning of your presence to any animal - or person - in the area.
Don't need the constant ding of the bell? Use the provided strap to silence the little bugger for a quiet ride back home.
Nice bell. It does the job. I've seen several bears on my rides. The last thing I wasn't to do is run into a momma black bear and her cubs. With the bear population on the rise in Florida, this is becoming a real necessity. The constant jingling can get annoying, however. I silence it when i can see for a good distance ahead. The silencer works well as long as you don't jar it loose. It is a little bigger than I thought it would be.
I really like this bell. The velcro is strong and has never come loose. The magnetic flap does a good job of quieting the bell. This is a great thing to have on crowded trails so that other users know you are approaching.
Simple product getting a simple review, it does what it needs to, the magnet rocks on bumps, it doesn't completely silence it but it does muffle the jingling. the only thing that threw me off was the size, this is a rather large bell. about 1 1/4". but simple cheap and works great.


text: Belgium rider and eventual Joyride winner Thomas Genon double whips the course's hip jump. His first run was smooth and clean, and featured enough flips, tailwhips and 360s to secure the relatively unknown rider a surprise victory. Genon had few sponsors before the contest, but it's a safe bet that he will be inking some lucrative deals in the coming months.


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Regeneration potion
this wiki
|"Are you a wizard or not?"
The title of this article is conjectural. Although it is based on canonical information, the actual name is conjecture and may be supplanted at any time by additional information released from canonical sources. If this occurs, please move this page to the appropriate title.
- "- it is an old piece of dark magic, the potion that revived me tonight -"
- —Lord Voldemort's description of the Regeneration Potion[src]
The regeneration potion is a Dark potion that restores a wizard whose body has become maimed and disfigured to their true and whole bodily form. The potion requires a cauldron large enough for a grown man to sit in as well as three crucial ingredients: bone unknowingly taken from the Dark Wizard's father, flesh willingly sacrificed from one of his servants, and the blood forcibly extracted from one of his foes. The remainder of the ingredients, if any besides water are needed, remain unknown.
- "Bone of the father, unknowingly given, you will renew your son! Flesh of the servant, willingly sacrificed, you will revive your master. Blood of the enemy, forcibly taken, you will resurrect your foe."
- —Peter Pettigrew reciting the incantation for the potion's creation.[src]
Voldemort's rebirth
In 1994, Lord Voldemort had Wormtail prepare the potion, save for its most crucial ingredients, for his rebirth. While Voldemort had the flesh at hand due to Wormtail's presence and could easily gain access to his father's bone from his grave, he wanted Harry Potter's blood to rise "greater and more terrible" than when he fell. Through a complex plan, one of Voldemort's loyal servants, Barty Crouch Jr., managed to send Harry to him. With the three ingredients, Voldemort was able to regain his new body.
The use of Harry's blood in the potion, however, would come to be a mistake as it prevented Voldemort from killing Harry because the blood passed Lily Potter's protection to Voldemort and anchored Harry to the living world through him, ensuring the Dark Lord's defeat three years later. Voldemort believed, out of his lack of understanding love, that by using Harry's blood, it would allow him to bypass Lily's protection, when in fact it actually strengthened it.
Behind the scenes
- In LEGO Harry Potter: Years 1-4, Peter Pettigrew used Harry's glasses and cranial bone, most likely to avoid violence. Instead of using a knife, Peter Pettigrew simply takes his hand off. When Voldemort is returning he wears Harry's glasses. Also, Voldemort is sucking a dummy as a baby and lies in a pram. Also, Voldemort rises from the cauldron, but already has his cloak on.
- In the book Voldemort rises from the cauldron. In the movie, the cauldron catches fire and melts as Voldemort's body regenerates in mid-air and the cauldron gets Transfigured into a cloak.
- Harry Potter and the Goblet of Fire (First appearance)
- Harry Potter and the Goblet of Fire (film)
- Harry Potter and the Deathly Hallows (Mentioned only)
- LEGO Harry Potter: Years 1-4


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Martha Stewart Weddings Editorial Director Darcy Miller believes, "With the state of the planet on so many people's minds, it is natural that brides and grooms want to incorporate a green aspect to their wedding. The offering of the carbon calculator on a couple's wedding website is a great way to educate the couple and their guests about offsetting their carbon footprint and throwing an eco-savvy event."
After reducing one's carbon footprint, carbon offsetting is the only way to become carbon neutral. "We are excited to have worked with WeddingWire in conveying our global warming message and integrating our carbon calculator on WeddingWire's wedding websites, said Eric Carlson, President of Carbonfund.org. "This helps couples and their guests take responsibility for and offset their carbon footprint by supporting innovative carbon reduction projects."
Carbonfund.org's carbon emissions reduction projects are in the areas of renewable energy, energy efficiency, and reforestation in the U.S. and abroad. All of Carbonfund.org's projects are independently verified to the highest certification standards. The nonprofit organization provides an array of individual and business offsetting options.
In addition to the carbon calculator, WeddingWire helps engaged couples reduce their carbon footprint by providing referrals on its site to local vendors in the couple's vicinity for wedding needs. Using local vendors helps minimize CO2 emissions from transporting goods. Over 100,000 vendors nationwide are part of WeddingWire's network, providing everything from wedding venues to wedding cakes.
"We are always looking for new ways to leverage our technology to better serve our users," says Timothy Chi, Chief Executive Officer of WeddingWire. "This partnership with Carbonfund.org will be incredibly beneficial for the countless number of couples looking to be environmentally conscious. With the integration of Carbonfund.org's carbon calculator, couples can ensure their personalized wedding website serves as the central place for wedding guests to become informed on the importance of a sustainable future, access event details, gift registry information, submit online RSVPs, and find local area information."
For more information, please visit http://www.carbonfund.org/weddings.
About WeddingWire
WeddingWire is the nation's leading wedding technology company enabling engaged couples to search, compare and book over 100,000 local vendors, and offering an interactive online community and cutting-edge planning tools at no cost. For wedding vendors, WeddingWire provides free online management tools, creating the only market opportunity that gives businesses control over their clients, reviews, leads and performance. In addition, WeddingWire has partnered with Martha Stewart Living Omnimedia, Inc. (NYSE: MSO) to provide its network of local vendors and online wedding-planning tools athttp://www.marthastewartweddings.com. For information on WeddingWire, visithttp://www.weddingwire.com.
About Carbonfund.org
Carbonfund.org is the country's leading nonprofit climate solutions organization, making it easy and affordable for individuals, businesses and organizations to reduce their climate impact. Carbonfund.org supports education, reduction and offset projects, and outreach activities to reduce carbon dioxide emissions globally, create green jobs and investment and reduce our reliance on foreign energy sources. Carbonfund.org has over 450,000 individual supporters and works with over 1,300 corporate and nonprofit partners including Volkswagen, Motorola, JetBlue, Hyundai, and Staples. Visithttp://www.carbonfund.org.


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We found a TicketWeb account that might belong to you.
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Saturday, May 19, 2012 8:00 PM CDT (7:00 PM Doors)
- Saturday, May 19, 2012 10:00 PM CDT
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21 years and over
Chicago's Favorite and longest running male revue show for women. Join us in our 10th year of entertaining bachelorettes, birthday girls and all of their friends!
Check out the Chicago Strippers Website for more information : MEN the Show


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A 59-year-old man has been charged with two counts of assault following an argument on Dec. 1.
Shortly before noon, Brandon police responded to a 911 call from a residence on Magnacca Crescent.
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49 U.S. Code § 45302 - Fees involving aircraft not providing air transportation
prev | next
(b) General Authority and Maximum Fees.— The Administrator of the Federal Aviation Administration may impose fees to pay for the costs of issuing airman certificates to pilots and certificates of registration of aircraft and processing forms for major repairs and alterations of fuel tanks and fuel systems of aircraft. The following fees may not be more than the amounts specified:
(c) Adjustments.— The Administrator shall adjust the maximum fees established by subsection (b) of this section for changes in the Consumer Price Index of All Urban Consumers published by the Secretary of Labor.
(d) Credit to Account and Availability.— Money collected from fees imposed under this section shall be credited to the account in the Treasury from which the Administrator incurs expenses in carrying out chapter 441 and sections 44701–44716 of this title (except sections 44701 (c), 44703 (f)(2), [1] and 44713 (d)(2)). The money is available to the Administrator to pay expenses for which the fees are collected.
(e) Effective Date.—
(1) In general.— A fee may not be imposed under this section before the date on which the regulations prescribed under sections 44111 (d), 44703 (f)(2), [1] and 44713 (d)(2) of this title take effect.
[1] See References in Text note below.
Source(Pub. L. 103–272, § 1(e),July 5, 1994, 108 Stat. 1225; Pub. L. 103–429, § 6(59),Oct. 31, 1994, 108 Stat. 4385; Pub. L. 112–95, title I, § 122(c),Feb. 14, 2012, 126 Stat. 20.)
|Revised Section
|Source (U.S. Code)
|Source (Statutes at Large)
|49 App.:1303 (note).
|Nov. 18, 1988, Pub. L. 100–690, § 7214, 102 Stat. 4434.
|45302(b), (c)
|49 App.:1354(f)(1)–(3).
|Aug. 23, 1958, Pub. L. 85–726, 72 Stat. 731, § 313(f); added Nov. 18, 1988, Pub. L. 100–690, § 7207(c)(1), 102 Stat. 4427.
|49 App.:1354(f)(4).
In subsection (b), before clause (1), the text of 49 App.:1354(f)(3) is omitted as obsolete because the final regulations are effective. The word "impose" is substituted for "establish and collect" for consistency.
In subsection (d), the words "Money collected from fees imposed" are substituted for "The amount of fees collected" for clarity and consistency.
Pub. L. 103–429
This amends 49:45302 because the final regulations are not yet effective.
References in Text
Section 44703 (f)(2) of this title, referred to in subsecs. (d) and (e)(1), was redesignated section 44703 (g)(2) by Pub. L. 106–181, title VII, § 715(1),Apr. 5, 2000, 114 Stat. 162.
2012—Subsec. (e). Pub. L. 112–95designated existing provisions as par. (1), inserted heading, and added par. (2).
1994—Subsec. (e). Pub. L. 103–429added subsec. (e).
Effective Date of 1994 Amendment
Amendment by Pub. L. 103–429effective July 5, 1994, see section 9 ofPub. L. 103–429, set out as a note under section 321 of this title.
Inspector General Audit
Pub. L. 100–690, title VII, § 7207(c)(4),Nov. 18, 1988, 102 Stat. 4428, as amended by Pub. L. 104–66, title II, § 2041,Dec. 21, 1995, 109 Stat. 728, provided that: "During the 5-year period beginning after the date on which fees are first collected under section 313(f) of the Federal Aviation Act of 1958 [see subsec. (b) of this section], the Department of Transportation Inspector General shall conduct an annual audit of the collection and use of such fees for the purpose of ensuring that such fees do not exceed the costs for which they are collected and submit to Congress a report on the results of such audit."
[For termination, effective May 15, 2000, of provisions of law requiring submittal to Congress of any annual, semiannual, or other regular periodic report listed in House Document No. 103–7 (in which the 30th item on page 4 identifies a reporting provision which, as subsequently amended, is contained in section 7207(c)(4) ofPub. L. 100–690, set out as a note above), see section 3003 ofPub. L. 104–66, as amended, set out as a note under section 1113 of Title 31, Money and Finance.]
LII has no control over and does not endorse any external Internet site that contains links to or references LII.


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The Dr of the NFL's Fearless Forecast
AFC Championship Game-New England @ Denver
Is there some sort of immutable law that states that if, in the pre-season, you pick a team to go to the Super Bowl, that you are not allowed to pick against them in the championship game? If so, I'm in a difficult spot. Before the year began, my prognostication was a Patriots-Seahawks Super Bowl, more on Seattle shortly, but I'm leaning against Brady and company today. Here's why. Too much is being made about last week when New England ran over Indianapolis. As we pointed out, Indy couldn't stop the run all year, so let's make LeGarrett Blount out to be Jim Brown just yet. The Broncos run defense has been stout all year [ranked 7th in NFL] and they will provide much more resistance than the Colts did. Look for Brady to come out throwing in this game vs. a porous Broncos secondary that just lost its' best corner in Chris Harris and is without their best pass rusher in Von Miller. I fully expect the Pats to consistently move the ball and Brady to amass at least 350 yards passing.
Bill Bellichick has a conundrum in this match up vs. Peyton, if he stacks his chips to stop Denver's running game, Manning will devour his secondary, and if he stays in a cover 2 to prevent the big play, Peyton will audible into a run and Knowshon Moreno and company will run up and down the field on a terrible Patriot run defense [ranked 30th in NFL]. People forget that because the Colts couldn't take advantage of it because they were a poor running team, Denver will.
In what promises to be a high scoring shootout, TD's over FG's will be the difference. Which team will convert in the Red Zone? Peyton completed 72% of his Red Zone passes and threw 37 red zone TD's with zero INT's during the regular season, look for that trend to continue. In addition, New England will be playing a road playoff game for the first time in 7 years. The Patriots are 1-5 vs. the spread in their last 6 road contests, and are 0-5 vs the number in their last 5 games played on glass. Broncos advance to the Super Bowl.
Denver 37 New England 30.
NFC Championship Game-San Francisco @ Seattle
I've been going back and forth on this one all week. Seattle's been the best team all year but the 49ers are red hot and playing better right now. Home field is huge in this one but the 49ers front 7 vs. Seattle's erratic O-line can quiet things down. Russell Wilson concerns me, he's not played well the last 4 or 5 games and he'll be without Percy Harvin. But Colin Kaepernick has been awful in both games he's played in this building.
As good as Seattle's defense is, you can run it occasionally on them. The 49ers ran for 163 yards in week 14 win against Seattle, can Gore and company repeat this on the road? This is the key to the game, if Gore is producing, the 49ers can sneak out with a win, if not, Seattle will pressure Kaepernick, contain his rushing lanes, and force him into mistakes. Much has been made of the 49ers resurgence on offense since the return of Michael Crabtree, but Richard Sherman will effectively eliminate him and Vernon Davis will have his hands full with Kam Chancellor and Earl Thomas who are the best Safety tandem in the league.
I think San Francisco must get off to a healthy start to take the crowd out of it, otherwise things could snowball. Kaepernick completes just 54% of his passes when he's trailing. Their offense is built for long drives, not short ones. This is why Gore is the key to the game, by establishing the run and sending a physical message, it could set the 49ers up for the upset. We all know that Seattle is near invincible at home but San Francisco is better equipped than any other team to pull this off.
So who wins? In a game that promises to be a tight, low scoring affair, I think it's Seattle's year. I trust Russell Wilson more in this spot not to make a critical error than I do Kaepernick. If both teams struggle to run it, which I expect, it gets to which QB will avoid the big mistake. No defense is better than Seattle's at stopping the opposing QB, with the combination of pass rush and coverage ability. Look for Seattle's secondary to get the best of Kaepernick and with the homefield to back them, Seattle returns to the Super Bowl.
Seattle 19 San Francisco 13


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Events Calendar
Women's Basketball vs. Bard (Senior Night & Sage's WBCA Kay Yow Cancer Fund Contest)
Come honor Sage's senior women's basketball players in conjunction with Senior Night in the Kahl Center. In addition, Sage will wear pink for their participation in the WBCA Kay Yow Cancer Fund drive.
Date: Wednesday, February 16th, 2011
Time: 6:00 pm
Duration: 2 hours
Location: Kahl Center
Sponsored by: Athletics
Contact: kinga2, Athletics


text:
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|Quick links:
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Member Services
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|College Teams
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Averin Collier #27
The Latest: Preseason Top 120 Countdown: Nos. 85-81 — 6/24/2010
This is a vital season for Ron Zook at Illinois. Five assistants from last year's staff are gone, and Zook hopes the changes will result in a revived program. See where the Illini are ranked as our Preseason Top 120 Countdown continues with teams 85-81.[details]


text:
I didn't really like the roll off roof design as the walls appeared a bit too tall for anything less than 30 degrees and as far as the dome my wife didn't want an igloo in the back yard let alone the price of one.
I found this shed on Amazon.com which is a Keter Apex 4X6 with a price currently at $489.98. It is a roll off design which I like because it leaves the observatory out in the open sky and the shed once rolled off can then be an observatory and warm room. I operate everything remotely...the scope, focuser, filter wheel and camera.
Total all in with construction of roll away decking and concrete slab is around $850.00. The shed is easy to put together and although rather light once put together it becomes rather rigid and not a bad looking either. I tried to detail everything while in construction so if anyone wanted to copy it or perhaps you have better idea's I am posting on CN to show how I did it anyway.
I am a big guy and I am quite comfortable in the shed once rolled away. This shed has already stood up to some good rainstorms and I haven't witnessed any water inside yet. If anyone wishes to copy and wants to ask a question feel free to write me and I will answer. Here is the link for photos of my build.
Clear skies!


text:
Facebook IPO Valuation Sets Record: Is It Really Worth $104 Billion?
Facebook finally set its IPO price Thursday evening: $38 a share, for a record-setting value of $104 billion on the social media giant. Is it worth it? Who knows. But despite the skeptics, there are definitely ways to make money from all those Facebook users' eyeballs.


text:
PART OF PARSONS FESTIVAL 2012: The Parsons Scholars Program is a three-year college preparation program in art and design for high school students from New York City public schools. This exhibit showcases the work of students at each stage of this program, spanning a variety of art and design disciplines.
6 East 16th Street, 12th floor
Admission Free


text:
This job posting is no longer available on Indeed.
Find similar jobs:Sales Associate jobs
- Ardene jobs
We at Ardene are looking for outgoing, highly motivated and dedicated individuals to join our growing team. If you are positive, passionate about fashion, and enjoy working in a fast-paced, team oriented environment, we want to hear from you!
The SALES ASSOCIATE's role is to provide outstanding customer service as per company standards, work with the cash, generate sales, merchandise and maintain the store's cleanliness and appearance.
Ardene offers a competitive salary and excellent opportunities for personal and career development.
Apply now at www.ardene.com for a chance to build your career with a dynamic, industry-leading, fashion forward company!


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text:
May 11, 2011
Keith Niebuhr
Rivals.com Football Recruiting
JaQuay Williams a chance to compete and show their talents against other elite prospects. Rivals.com analyst Keith Niebuhr breaks down the players that have stood out at every position in recent camps in this Southeast region recruiting mailbag. ...More... To continue reading this article you must be a member. Sign Up Now!
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Detective Keith L Williams Park
Liberty Ave. bet. 172 St. and 173 St.
Directions via Google Maps
Situated just south of Jamaica's central business district, Detective Keith L. Williams Park is popular spot in the Queens neighborhood of Jamaica. In the summer, many people are lured to Williams Park because of Liberty Pool, an outdoor pool with a wading pool and a sprawling deck that can accommodate upwards of 600 people.
But swimming isn't the only thing going on at Williams Park. The running track, handball courts, and tennis courts are also popular. The fun doesn't end when it gets cold outside—the recreation center offers programs all year round.
Discover the history of Detective Keith L Williams Park
Featured Facility
Det. Keith L. Williams Running Track
The quarter mile track is perfect for a local competition or a morning run.
- Bathrooms
- Handball Courts
- Outdoor Pools
- Playgrounds
- Recreation Centers
- Running Tracks
- Spray Showers
- Tennis Courts
- Wi-Fi Hot Spots
Know when to go:
View upcoming athletic area usage in
Detective Keith L Williams Park
Directions to Detective Keith L Williams Park
- Queens Recreation Honors Rising Stars
- Mets Manager Celebrates The Summer Sports Experience
- Willie Randolph Joins Parks & Recreation In Celebrating the Summer Sports Experience
Capital Projects
Park Manager: (718) 978-1364
Recreation Center: (718) 523-6912


text:
Hiden (秘伝, Literally meaning: secret tradition) or simply "secret" techniques are passed down orally from generation to generation in certain regions or clans.
The groups who possess these techniques are usually extremely secretive about them in order to ensure that no one other than the members of the group or clan learn them. As such, they are passed down through oral means instead of being written down or recorded. A few hiden techniques require a special ability or lineage and as such are usually the pride and fame of the clan that possesses them. The Nara clan's Shadow Imitation Technique and the Aburame clan's Parasitic Destruction Insect Technique are examples of this. These techniques also cannot be copied through any means of simple observation.
They are not to be confused with kekkei genkai, as technically, hiden techniques can be taught to anyone.
- Chōza Akimichi has noted that the Yamanaka clan has mastered hiden techniques as well.[1] However, none of the Yamanaka's techniques are currently known to be hiden, and in fact it had been previously stated that the Yamanaka clan's techniques weren't secret techniques.
See Also
- ↑ Naruto chapter 533, page 12


text: Photo zooms unavailable for this product Mister The Polished Gold 2 Finger Ring $36.00 THIS ITEM IS OUT OF STOCK Want to know if it comes back in stock? SUBMIT Preparing your subscription Thank you for signing up, you will get an email when the product is back in stock. Shop Rings or Shop Mister Please enter a quantity. Sorry, you've requested more of this item than is available.


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Concord, NC (Sports Network) - The National Stock Car Racing Appeals Panel on
Wednesday substantially lessened the fines assessed by NASCAR to Joe Gibbs
Racing for an illegal engine used in Matt Kenseth's race-winning last month at
Kansas Speedway.
Driver Matt Kenseth and team owner Joe Gibbs will both be penalized with a
loss of 12 points instead of the original 50 points. That will elevate Kenseth
from 11th in the point standings to fourth. His win in the April 21 race at
Kansas will count towards the Chase for the Sprint Cup championship, meaning
he will earn bonus points towards eligibility and seeding for the playoffs.
The Kansas victory will also count towards the eligibility for a driver wild
card position, if he were to need one. His pole win at that racetrack will now
count as well.
Jason Ratcliff, the crew chief for Kenseth's No. 20 Toyota at JGR, had his
suspension shortened from six points-paying races to only one. After Ratcliff
is reinstated, he will be on probation for the next three races. His fine of
$200,000 remains the same.
The owner license for the No. 20 will no longer be banned. NASCAR had
suspended the license for six point races, making the team ineligible to
receive championship car owner points during that period of time. The panel
did increase the loss of NASCAR Sprint Cup Series Manufacturer Championship
points assessed to the team from five to seven.
JGR's appeal was heard by a three-member panel, which included Dover
International Speedway president and CEO Dennis McGlynn, Stafford Speedway
general manager Mark Arute and former motorsports team owner Jack Housby. The
hearing was held at NASCAR's Research and Development Center in Concord.
NASCAR handed down severe penalties to JGR on April 24 after officials found
one of the connecting rods on the engine used in Kenseth's car at Kansas did
not meet the minimum connecting rod weight. The violation was discovered
during a secondary post-race inspection of his engine at the NASCAR R&D
Gibbs will not make a final appeal in front of National Stock Car Racing Chief
Appellate Officer John Middlebrook, who heard Penske Racing's last appeal for
rules violations that occurred on April 13 at Texas Motor Speedway.
The Sports Network


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Gateway NO20 reviewTechRadar Pro
Gateway's 12-inch laptop is all about the multi-tasking
Gateway is an American company that sells its laptops in this country through retail outlets such as Toys R Us and, with the Gateway MT6917b (£499 inc. VAT), through large stores of Tesco.
Sold through Tesco's, the Gateway MX8716b (£649 inc. VAT) is a desktop replacement ideal for family use. Despite limited warranty cover and basic 3D performance, day-to-day power and usability are impressive, making a strong laptop for the home office.
Sold through Tesco's, the Gateway MT6839b (£599 inc. VAT) provides impressive performance and usability. Offering powerful components at a low price, it shows how affordable high-quality laptops have become
Sold through Tesco, the Gateway MT6825b (£499 inc. VAT) is one of the most affordable Windows Vista laptops we've seen, and is a powerful dual-core system. An Intel Core 2 Duo processor provides powerful performance...


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Quite simply one of the best velvets available today. Extraordinarily soft handle, brilliant colour palette and a subtle two-tone pin stripe effect with a medium crush. Machine washable and incredibly hard wearing. The upholstery fabric for 2012. Gimme Gimme Gimme!
Assisi 2026 Washable Crushed Velvet Upholstery Fabric in Lilac.
Every upholstery fabric we sell can be used for any domestic upholstery and soft furnishing purpose.
All fabrics are flame retardant and are regularly tested at independent UK test houses. Read more about us.
Subscribe to our Newsletter
Maybe you need a special size of handmade cushion, ottoman or footstool, a window seat cushion or set of chair pads?
Whatever it is we will be happy to quote for any custom project you have. Contact us for more info.
Can we help you?
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Registered Office:
Modelli Fabrics
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Company Number: 8716380
VAT No: 176807474


text:
An applicant can get credit for selected courses at Lawrence Technological University by taking AP courses, CLEP exams, or IB exams in high school. If you would like to know how/if specific credit will apply to your intended major, you can reference the corresponding flowchart.
AP Guidelines
The student who participates in an AP course must take the exam and obtain the minimum score for college credit to be earned. Our AP Guidelines shows which AP courses are eligible for college credit and what the minimum AP test score must be to earn credit.
CLEP Guidelines
For students who are planning on take any of the CLEP (College Level Examination Program) exams
IB Guidelines
For students who are in schools that have an IB curriculum. Credit is based from the International Baccalaureate (IB) exams.
If you have any questions regarding any of these processes, please feel free to contact the Admissions Office at 248.204.3160 or firstname.lastname@example.com.


text:
Writing a valid statusline
this wiki
created June 3, 2004 · complexity basic · author Bounga · version 6.0
I wanted to write a good looking statusline, grouping all the informations I need about a file and the environment. The needed things were the filename, the format of this file, its type, the position (line, column) of the cursor, the relative position in the file (%) and the date (day/month/year - hours:minutes).
There is one thing to always remember when you write a statusline. You have to escape all the blank characters and the " characters. To escape a character you have to use \, so if you want a whitespace you have to do "\ ".
Now here is the statusline:
set statusline=%F%m%r%h%w\ [FORMAT=%{&ff}]\ [TYPE=%Y]\ [POS=%l,%v][%p%%]\ %{strftime(\"%d/%m/%y\ -\ %H:%M\")}
This is true for any option set using the :set command. It is possible to work around this using single-quoted strings and the let command.
I think it is better
set statusline=%F%m%r%h%w\ (%{&ff}){%Y}[%l,%v][%p%%]\ %{strftime(\"%d/%m/%y\ -\ %H:%M\")}
Try this:
set statusline=%<%F%h%m%r%h%w%y\ %{&ff}\ %{strftime(\"%d/%m/%Y-%H:%M\")}%=\ col:%c%V\ ascii:%b\ pos:%o\ lin:%l\,%L\ %P
if you want above statusline appear when there is single window, try:
set laststatus=2
--- The status line is update on potentially *each* key stroke. So having a too dynamic modeline is going to make vim really slow.
To see the file modified time on status line
set statusline=%{strftime(\"%c\",getftime(expand(\"%:p\")))}
Here's the statusline I'm currently using:
set statusline=%<%F%h%m%r%h%w%y\ %{&ff}\ %{strftime(\"%c\",getftime(expand(\"%:p\")))}%=\ lin:%l\,%L\ col:%c%V\ pos:%o\ ascii:%b\ %P


text:
History: Forum:Who can tell me all the movies that the enterprise nx-01 crew watch
For any version listed below, click on its date to view it. For more help, see Help:Page history.
(cur) = difference from current version, (prev) = difference from preceding version, m = minor edit, → = section edit, ← = automatic edit summary


text:
Einstein Brothers Bagels is embracing the taste of the season, by offering you a great deal on coffee. Enjoy a half-price vanilla hazelnut latte on Friday, September 28. Then take advantage of buy one, get one free pumpkin lattes on Saturday, September 29.
Saturday is also National Coffee Day. Participating Dutch Brothers Coffee locations are offering free coffee that day. The Facebook page for the Colorado Springs locations says "everything" is free on Saturday.
You can also pick up free large coffee at participating 7-Eleven stores on Friday, September 28. The offer runs between 6 a.m. and 10 a.m., or while supplies last.
Participating Domino's Pizza locations are offering a medium, one topping pizza for just $3.99. This is carry out only, but if you order three or more, you'll get delivery. Make sure and ask if your location is offering this. Use coupon code SS12 when ordering online.
Please remember, all offers are subject to availability and product providers may end these offers at any time.
Sign up for our free, weekly E-Newsletter Click Here To Sign Up For The Here's The Deal E-News Letter
KKTV firmly believes in freedom of speech for all and we are happy to provide this forum for the community to share opinions and facts. We ask that commenters keep it clean, keep it truthful, stay on topic and be responsible. Comments left here do not necessarily represent the viewpoint of KKTV 11 News.
If you believe that any of the comments on our site are inappropriate or offensive, please tell us by clicking "Report Abuse" and answering the questions that follow. We will review any reported comments promptly.powered by Disqus


text:
P.I.N.K. Method: Special Thanks
See the complete list of companies and products featured in the P.I.N.K. Method show. And, enter the P.I.N.K. Method Giveaway for a chance to win the complete P.I.N.K. Method workout, ZoN Pink Dumbbells, Skechers shoes and an amazing blender from Vitamix! Plus, enter here to win a pair of Fila Body Toning System pants and Fila Voltage running shoes!
The complete P.I.N.K. Method weight loss program
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Vitamix 5200
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Zon Pink Dumbbells
available at Zonfitness.com
Fila Body Toning System Pants
available at Fila.com
Shape-ups Liv by Skechers
available at Skechers.com
Gaiam Yoga Mat
available at Gaiam.com


text:
Why not wear something this Halloween that's cute and menacing at the same time? The Sassy Chucky Teen Costume includes a blue overall dress, a striped top and a pair of tall red socks. This outfit is inspired after the Good Guy Doll that's featured in the Child's Play movies. Chucky is a doll that possesses the soul of a serial killer in it. The films were very popular and have left many people traumatized for life. As the teen version of this character, you'll be able to scare up some fun with your friends at the next Halloween party you attend. Before checking out with the costume, take a look at some of our accessories. We sell wigs, novelty weapons, and much more. You can amp up your level of scariness as much as possible.
Our Price: $6.99
Our Price: $24.97
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UMB Fund Services
Tony Fischer, President
223 Wilmington West Chester Pike, Suite 303
Chadds Ford, PA 19317
Phone: 267.349.8065
Website: http://www.umbfs.com
Testimonials | Submit a Testimonial
The Alternative Investment Services division of UMB Fund Services offers a complete back-office solution for hedge funds, funds of funds, registered hedge funds and private equity funds. Our full-service lineup includes product formation assistance, fund administration and accounting, investor accounting and reporting, tax preparation and reporting, and custody (through our affiliate, UMB Bank, n.a.). We are known for high-touch service, leading-edge technology, and the stability of a highly capitalized parent that's been around for 100+ years. Ask us about Registered Fund Solutions, the industry's first turnkey solution for launching and servicing a registered hedge fund.


text:
Last week I hit Ikea on the way home from the Dentist. Fun! (Nothing like a good incentive to go to the Dentist like a stop at Ikea on the way home.) I always love to check out their fabric selection because they have great stuff at great prices. Here's what I found new this time. Love it! So Scandinavian looking. It's called Snoa Flinga and is only $4.99 a yard. I didn't have a specific project in mind (maybe throw pillows?) so I only bought a yard. Now I'm wishing I bought more and I would just quilt it as is for a cool throw.
I love that Linen Cabinet! The red would match my place perfectly! hmm… gotta start saving also!
I love that whole collection of furniture. That is too funny about yogurt runnng down your chin. :)

I so love that store. Way too addicting. Is their material too stiff for quilts? I've often wondered that.
That cabinet is wonderful! I've got two dressers from that line, and both are in my kitchen. I've got my microwave sitting on the red 4 drawer one, with all my dishtowels, and silverware, plastic wrap and foil & the like. I've also go the tall one in black with all the things that won't fit in my too few and totally inadequate kitchen cabinets.
Wonderful finds!
A trip to the dentist is a small price to pay for a stop at Ikea. Love your fabric. And hope you get your cabinet soon!
that cabinet is fabulous! As is the yellow and white stripe in the back of it. Yes. Is it illegal to paint a nice cabinet that is in good condition, but you just want it to look like this one? I'm personally of the belief that a wood finish is not sacred. We'll see what my husband says about that, though.
Ignore my most recent post…I think I need to keep using red and I need that fabric to redecorate with…and, don't hate me, I have that cabinet in yellow…it really is fabulous (http://auntspicy.blogspot.com/2010/08/its-about-time.html)
Oh. wow. That linen cabinet is to die for. I have to say that I have a whole new appreciation for dental appointments since having kids (=unfettered alone time). I had a teeth cleaning appointment last week and I was giddy with excitement. Weird.
Ohh! I love that cabinet (I have been obsessed with red ever since I can remember)… I have some similar red/white fabric and I've thought of doing some throw pillows. Seeing your post has reminded me that it's buried somewhere down there….
What a great idea to frame that awesome fabric! I would have picked the same sqaure. :)

http://downtosew.blogspot.com/
I love that linen cupboard as well. I am hoping that we have space for it in our new place next year.
Oh that Snoa Flinga is beautiful!
I have been stalking that linen cabinet in yellow for about a year now. I just love it!
Great fabric and it would be awesome just quilted as is!
That is such great fabric! I wish I lived close enough to an IKEA to go pick some up – but it's a five hour drive for me. That would make a lovely whole cloth quilt. Feel like picking some up for me?
I love Ikea as well 🙂 I can never leave without buying a yard or two of something. I just got a cool glass door cabinet from there and I can't wait to stack my fabric in it.
I love IKEA too, but have always lived 3+ hours away. Such a great price! Their fabric I see online is wonderful! And I'm nuts about anything Scandinavian!
I love those Ikea products too. My favorite part – well i love it all – but i think that's such a great touch that they add the very cool stripe liner. We own a few Ikea pieces too – looks great and very affordable :).
Oooh! I didn't know that cabinet came in red now! My husband's gonna be MAD.
My MIL just bought that exact cupboard for her sewing room. She filled it up with fabric and it is nearly the most perfect storage item ever. Love it!
I absolutely love the linen cabinet! What a great piece! Whenever I think of storing quilts I think to put it on a quilt rack…but this is perfect!!
i hsd no idea Ikea had fabric!!!
Isn't it fun to have an Ikea so close?
I must go find that fabric:)


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Meet thisweek's WKYC-TV Channel 3 "Student-Athlete of the Week," Hudson High School senior Zack Brandy.
Brandy was a three-year member and a two-year caption on the Explorers' varsity boys basketball team.
Brandy averaged 18.9 points per game en route to being selected as a third-team All-Inland District selection and a first-team All-Northeast Ohio Conference honoree as a junior.
Off the court, Brandy is a member of the National Honor Society.
Brandy maintains a 4.03 cumulative GPA.
For moreNortheast Ohio high school sports news, scores, photos and videos, visit usatodayhss.com/Cleveland.
Follow @Cle_HSSports


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(WBIR - Knoxville, TN) The National Football Foundation held induction ceremonies for the College Football Hall of Fame class of 2013 Wednesday in Atlanta.
Among the famous names was former University of Tennessee head football coach Phillip Fulmer.
"I'm just flattered to have a chance to recognize (UT football)," said the coach.
You can watch more of his remarks in the video above.
Previous story
Former Tennessee Head Coach Phillip Fulmer is among those set to be honored Wednesday during the induction ceremony for the 2013 College Football Hall of Fame.
The 2013 College Football Hall of Fame class will be enshrined Wednesday during ceremonies in Atlanta. Fulmer is among the 24 members of this year's class.
Fulmer was an offensive lineman at Tennessee under Bill Battle. He returned to Knoxville as an assistant in the early 1980's, then became head coach in 1992.
In 16 seasons, Fulmer was 152-52, leading Tennessee to the first B-C-S Championship in 1998 in Tempe, Arizona, with a win over Florida State.
Full induction list
FBS players
- RB Charles Alexander, LSU, 1975-78
First SEC back to surpass 4,000 rushing yards; single-season school record of 1,686 yards set in 1977 still stands.
- RB Otis Armstrong, Purdue, 1970-72
Rushed for 3,315 career yards, including 1,361 in senior year.
- QB Steve Bartkowski, California, 1972-74
Led nation in passing with 2,580 yards in 1974
- E Hal Bedsole, Southern California, 1961-63
Had 33 catches for 827 yards and 11 TDs during Trojans' '62 championship season; added two scoring grabs in 42-37 Rose Bowl win vs. Wisconsin.
- TE Dave Casper, Notre Dame, 1971-73
Offensive captain and Academic All-American on Fighting Irish 1973 national championship team
- QB Ty Detmer, Brigham Young, 1988-91
Heisman Trophy and Maxwell Award winner; finished career with 15,031 passing yards and 121 TDs.
- QB Tommy Kramer, Rice, 1973-76
Posted 3,317 passing yards and named Southwest Conference player of the year as a senior before lengthy NFL career.
- WR Art Monk, Syracuse, 1976-79
Sure-handed catcher amassed 1,644 receiving yards with Orange before Hall of Fame pro career with Washington.
- DB Greg Myers, Colorado State, 1992-95
Thorpe Award winner and four-time all-WAC honoree finished Rams career with 295 tackles and 15 interceptions and 1,332 punt return yards.
- OT Jonathan Ogden, UCLA, 1992-95
Outland Trophy winner started all four years at LT for Bruins, allowing only one sack as a senior; inducted into Pro Football Hall earlier this summer.
- DT Gabe Rivera, Texas Tech, 1979-82
Totaled 105 tackles with 10 for loss and five sacks during All-America senior season; car accident cut short his pro career.
- LB Mark Simoneau, Kansas State, 1996-99
Holds Wildcats' career record with 251 solo tackles. K-State 42-7 during his career.
- S Scott Thomas, Air Force, 1982-85
Notched 221 tackles and 10 INTs during career in which Falcons went 38-12d and won program's first WAC title in 1985.
-G John Wooten, Colorado, 1956-58
Among first African-Americans to earn All-America honors as a lineman, helped Buffs lead nation in rushing in 1957.
Divisional players
- LB Shelby Jordan, Washington (Mo.), 1969-72
First inductee from his school, was team's top tackler for three years while earning psychology degree; switched to OT as six-year starter for Patriots and won Super Bowl with Raiders.
- QB Joe Micchia, Westminster (Pa.), 1987-89
Led Titans to two NAIA D2 championships and went undefeated as a starter with 68 career TD passes; now practicing physician in North Carolina.
- OT Art Shell, Maryland-Eastern Shore, 1964-67
Two-way lineman for Hawks prior to lengthy NFL career as player and pioneering coach with Raiders; named to Little All-America team in 1967.
- FB Jeff Wittman, Ithaca (N.Y.), 1988-92
Three-time All-American paced Bombers to 1991 Division III title, earning Stagg Bowl MVP honors with his three-TD performance.
FBS coaches
- Phillip Fulmer, Tennessee, 1992-2008
Coached Vols to 15 bowl games and 1998 BCS championship with 152-52 career record.
- Jimmy Johnson, Oklahoma State and Miami (Fla.), 1979-83, 1984-88
Coached Hurricanes to 1987 national championship, went 81-34-3 in college before his Super Bowl wins with Cowboys to become only coach with collegiate and NFL titles.
- R.C. Slocum, Texas A&M, 1989-2002
Aggies' winningest coach retired with 123-47-2 mark that included a 28-0-1 stretch in Southwest Conference play.
Divisional coaches
- Frank Cignetti, West Virginia and Indiana (Pa.), 1976-79, 1986-2005
IUP's all-time winning coach won conference titles in his first two seasons and led Hawks to two Division II title-game appearances; holds career 199-77-1 coaching record.
- James "Boots" Donnelly, Austin Peay and Middle Tennessee, 1977-78, 1979-95
Led Governors to first ever Ohio Valley Conference title in first season before leading Blue Raiders to seven I-AA playoff appearances; 154-94-1 overall mark.
- Jess Dow*, Southern Connecticut State, 1948-65
Founder of Owls' program with 108-40-6 career record, including school's only perfect campaign, 9-0 in 1956.
* Deceased


text:
|By Liz McMillan
Article Rating:
|July 9, 2012 06:00 AM EDT
SYS-CON Events announced today that DatacenterDynamics has been named "Media Sponsor" of SYS-CON's 18th International Cloud Expo, which will take place on June 7–9, 2016, at the Javits Center in New York City, NY. DatacenterDynamics is a brand of DCD Group, a global B2B media and publishing company that develops products to help senior professionals in the world's most ICT dependent organizations make risk-based infrastructure and capacity decisions.
Apr. 30, 2016 06:00 AM EDT Reads: 2,442
With DevOps becoming more well-known and established practice in nearly every industry that delivers software, it is important to continually reassess its efficacy. This week's top 10 includes a discussion on how the quick uptake of DevOps adoption in the enterprise has posed some serious challenges. Additionally, organizations who have taken the DevOps plunge must find ways to find, hire and keep their DevOps talent in order to keep the machine running smoothly.
Apr. 30, 2016 04:45 AM EDT Reads: 1,358
Call it DevOps or not, if you are concerned about releasing more code faster and at a higher quality, the resulting software delivery chain and process will look and smell like DevOps. But for existing development teams, no matter what the velocity objective is, getting from here to there is not something that can be done without a plan. Moving your release cadence from months to weeks is not just about learning Agile practices and getting some automation tools. It involves people, tooling and ...
Apr. 30, 2016 04:00 AM EDT Reads: 1,469
Between the mockups and specs produced by analysts, and resulting applications built by developers, there exists a gulf where projects fail, costs spiral, and applications disappoint. Methodologies like Agile attempt to address this with intensified communication, with partial success but many limitations. In his session at 18th Cloud Expo, Charles Kendrick, CTO & Chief Architect at Isomorphic Software, will present a revolutionary model enabled by new technologies. Learn how business and devel...
Apr. 30, 2016 04:00 AM EDT Reads: 1,712
The notion of customer journeys, of course, are central to the digital marketer's playbook. Clearly, enterprises should focus their digital efforts on such journeys, as they represent customer interactions over time. But making customer journeys the centerpiece of the enterprise architecture, however, leaves more questions than answers. The challenge arises when EAs consider the context of the customer journey in the overall architecture as well as the architectural elements that make up each...
Apr. 30, 2016 02:45 AM EDT Reads: 1,924
Much of the discussion around cloud DevOps focuses on the speed with which companies need to get new code into production. This focus is important – because in an increasingly digital marketplace, new code enables new value propositions. New code is also often essential for maintaining competitive parity with market innovators. But new code doesn't just have to deliver the functionality the business requires. It also has to behave well because the behavior of code in the cloud affects performan...
Apr. 30, 2016 02:30 AM EDT Reads: 1,329
APIs have taken the world by storm in recent years. The use of APIs has gone beyond just traditional "software" companies, to companies and organizations across industries using APIs to share information and power their applications. For some organizations, APIs are the biggest revenue drivers. For example, Salesforce generates nearly 50% of annual revenue through APIs. In other cases, APIs can increase a business's footprint and initiate collaboration. Netflix, for example, reported over 5 bi...
Apr. 29, 2016 09:30 PM EDT Reads: 2,552
As the software delivery industry continues to evolve and mature, the challenge of managing the growing list of the tools and processes becomes more daunting every day. Today, Application Lifecycle Management (ALM) platforms are proving most valuable by providing the governance, management and coordination for every stage of development, deployment and release. Recently, I spoke with Madison Moore at SD Times about the changing market and where ALM is headed.
Apr. 29, 2016 09:15 PM EDT Reads: 1,419
If there is anything we have learned by now, is that every business paves their own unique path for releasing software- every pipeline, implementation and practices are a bit different, and DevOps comes in all shapes and sizes. Software delivery practices are often comprised of set of several complementing (or even competing) methodologies – such as leveraging Agile, DevOps and even a mix of ITIL, to create the combination that's most suitable for your organization and that maximize your busines...
Apr. 29, 2016 08:30 PM EDT Reads: 1,752
Struggling to keep up with increasing application demand? Learn how Platform as a Service (PaaS) can streamline application development processes and make resource management easy.
Apr. 29, 2016 07:45 PM EDT Reads: 2,021
New Relic, Inc. has announced a set of new features across the New Relic Software Analytics Cloud that offer IT operations teams increased visibility, and the ability to diagnose and resolve performance problems quickly. The new features further IT operations teams' ability to leverage data and analytics, as well as drive collaboration and a common, shared understanding between teams. Software teams are under pressure to resolve performance issues quickly and improve availability, as the comple...
Apr. 29, 2016 07:30 PM EDT Reads: 2,411
The goal of any tech business worth its salt is to provide the best product or service to its clients in the most efficient and cost-effective way possible. This is just as true in the development of software products as it is in other product design services. Microservices, an app architecture style that leans mostly on independent, self-contained programs, are quickly becoming the new norm, so to speak. With this change comes a declining reliance on older SOAs like COBRA, a push toward more s...
Apr. 29, 2016 06:45 PM EDT Reads: 1,273
The proper isolation of resources is essential for multi-tenant environments. The traditional approach to isolate resources is, however, rather heavyweight. In his session at 18th Cloud Expo, Igor Drobiazko, co-founder of elastic.io, will draw upon their own experience with operating a Docker container-based infrastructure on a large scale and present a lightweight solution for resource isolation using microservices. He will also discuss the implementation of microservices in data and applicat...
Apr. 29, 2016 05:15 PM EDT Reads: 1,702
Join IBM June 8 at 18th Cloud Expo at the Javits Center in New York City, NY, and learn how to innovate like a startup and scale for the enterprise. You need to deliver quality applications faster and cheaper, attract and retain customers with an engaging experience across devices, and seamlessly integrate your enterprise systems. And you can't take 12 months to do it.
Apr. 29, 2016 04:30 PM EDT Reads: 1,788
This is not a small hotel event. It is also not a big vendor party where politicians and entertainers are more important than real content. This is Cloud Expo, the world's longest-running conference and exhibition focused on Cloud Computing and all that it entails. If you want serious presentations and valuable insight about Cloud Computing for three straight days, then register now for Cloud Expo.
Apr. 29, 2016 03:30 PM EDT Reads: 1,674
SYS-CON Events announced today that Stratoscale, the software company developing the next generation data center operating system, will exhibit at SYS-CON's 18th International Cloud Expo®, which will take place on June 7-9, 2016, at the Javits Center in New York City, NY. Stratoscale is revolutionizing the data center with a zero-to-cloud-in-minutes solution. With Stratoscale's hardware-agnostic, Software Defined Data Center (SDDC) solution to store everything, run anything and scale everywhere...
Apr. 29, 2016 01:00 PM EDT Reads: 1,498
SYS-CON Events announced today that Men & Mice, the leading global provider of DNS, DHCP and IP address management overlay solutions, will exhibit at SYS-CON's 18th International Cloud Expo®, which will take place on June 7-9, 2016, at the Javits Center in New York City, NY. The Men & Mice Suite overlay solution is already known for its powerful application in heterogeneous operating environments, enabling enterprises to scale without fuss. Building on a solid range of diverse platform support,...
Apr. 29, 2016 11:45 AM EDT Reads: 2,243
You deployed your app with the Bluemix PaaS and it's gaining some serious traction, so it's time to make some tweaks. Did you design your application in a way that it can scale in the cloud? Were you even thinking about the cloud when you built the app? If not, chances are your app is going to break. Check out this webcast to learn various techniques for designing applications that will scale successfully in Bluemix, for the confidence you need to take your apps to the next level and beyond.
Apr. 29, 2016 11:15 AM EDT Reads: 1,428
Digital means customer preferences and behavior are driving enterprise technology decisions to be sure, but let's not forget our employees. After all, when we say customer, we mean customer writ large, including partners, supply chain participants, and yes, those salaried denizens whose daily labor forms the cornerstone of the enterprise. While your customers bask in the warm rays of your digital efforts, are your employees toiling away in the dark recesses of your enterprise, pecking data into...
Apr. 29, 2016 10:30 AM EDT Reads: 932
These days I mostly make my living as a consultant. Consultants in general are probably not the best loved group in the world. It is common to think of consultants wafting-in to your organization, telling you things that you already know and advising you to "change your culture", whatever that means. Subsequently they depart, no-doubt with a fat fee, and leave you as you were before with the same problems and no progress made.
Apr. 28, 2016 08:00 PM EDT Reads: 1,447