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Quotes & Info
|FSBW > SEC Filings for FSBW > Form 10-Q on 13-Nov-2012
|All Recent SEC Filings
Quarterly Report
Forward-Looking Statements
This report may contain forward-looking statements, which can be identified by the use of words such as "believes," "expects," "anticipates," "estimates" or similar expressions. Forward-looking statements include, but are not limited to:
· statements of our goals, intentions and expectations;
· statements regarding our business plans, prospects, growth and operating strategies;
· statements regarding the quality of our loan and investment portfolios; and
· estimates of our risks and future costs and benefits.
These forward-looking statements are based on current beliefs and expectations of our management and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. Actual results may differ materially from those contemplated by the forward-looking statements due to, among others, the following factors:
· general economic conditions, either nationally or in our market area, that are worse than expected;
· the credit risks of lending activities, including changes in the level and trend of loan delinquencies and write offs and changes in our allowance for loan losses and provision for loan losses that may be impacted by deterioration in the housing and commercial real estate markets;
· fluctuations in the demand for loans, the number of unsold homes, land and other properties and fluctuations in real estate values in our market area;
· increases in premiums for deposit insurance;
· the use of estimates in determining fair value of certain of our assets, which estimates may prove to be incorrect and result in significant declines in valuation;
· changes in the interest rate environment that reduce our interest margins or reduce the fair value of financial instruments;
· increased competitive pressures among financial services companies;
· our ability to execute our plans to grow our residential construction lending, our mortgage banking operations and our warehouse lending and the geographic expansion of our indirect home improvement lending;
· our ability to attract and retain deposits;
· our ability to control operating costs and expenses;
· changes in consumer spending, borrowing and savings habits;
· our ability to successfully manage our growth;
· legislative or regulatory changes that adversely affect our business or increase capital requirements, including the effect of the Dodd-Frank Act, changes in regulation policies and principles, or the interpretation of regulatory capital or other rules including Basel III;
· adverse changes in the securities markets;
· changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the Public Company Accounting Oversight Board or the Financial Accounting Standards Board;
· costs and effects of litigation, including settlements and judgments;
· inability of key third-party vendors to perform their obligations to us;
· statements with respect to our intentions regarding disclosure and other changes resulting from the Jumpstart Our Business Startups Act ("JOBS Act"); and
· other economic, competitive, governmental, regulatory and technical factors affecting our operations, pricing, products and services and other risks described elsewhere in this report.
Any of the forward-looking statements that the Bank makes in this report and in other public statements may turn out to be wrong because of inaccurate assumptions we might make, because of the factors illustrated above or because of other factors that we cannot foresee. Forward-looking statements are based upon management's beliefs and assumptions at the time they are made. The Bank undertakes no obligation to publicly update or revise any forward-looking statements included in this report or to update the reasons why actual results could differ from those contained in such statements, whether as a result of new information, future events or otherwise. In light of these risks, uncertainties and assumptions, the forward-looking statements discussed in this report might not occur and you should not put undue reliance on any forward-looking statements.
FS Bancorp, Inc. and its subsidiary bank, 1st Security Bank of Washington have been serving the Puget Sound area since 1936. Originally chartered as a credit union, previously known as Washington's Credit Union, the Bank served various select employment groups. On April 1, 2004, the credit union converted to a Washington state-chartered mutual savings bank. On July 9, 2012, the Bank converted from mutual to stock form and became the wholly owned subsidiary of the Company.
The Company is a relationship-driven community bank. The Bank delivers banking and financial services to local families, local and regional businesses and industry niches within distinct Puget Sound area communities. The Company emphasizes long-term relationships with families and businesses within the communities served, working with them to meet their financial needs. The Bank is also actively involved in community activities and events within these market areas, which further strengthens our relationships within these markets.
The Company is a diversified lender with a focus on the origination of home improvement loans, commercial real estate mortgage loans, commercial business loans and second mortgage/home equity loan products. Consumer loans, in particular indirect home improvement loans to finance window replacement, gutter replacement, siding replacement, and other improvement renovations, represent the largest portion of the loan portfolio and have traditionally been the mainstay of our lending strategy. As of September 30, 2012, consumer loans represented 44.9% of the Bank's total portfolio, down from 51.7% at December 31, 2011 due to growth in other lending channels, with indirect home improvement loans representing 69.6% of the total consumer loan portfolio.
The indirect home improvement lending is reliant on relationships with home improvement contractors and dealers. The Bank's indirect home improvement contractor/dealer network is currently comprised of approximately 200 active contractors and dealers with businesses located throughout Washington and Oregon, with approximately 10 contractors/dealers responsible for more than half of this loan volume. As a result of the recent economic downturn and contraction of credit to both contractors/dealers and their customers, there has been an increase in business closures and our existing contractor/dealer base has experienced decreased sales and loan volume. In order to maintain indirect home improvement loan volume, the Bank is considering expanding this line of business into the State of California. The Bank is currently preparing to test the California market with a limited number of contractors/dealers with whom the Bank's lenders have had previous experience. To the extent management determines to move forward with the indirect home improvement lending program in California, management anticipates that these California loans will represent no more than 20% of the total consumer loan portfolio. As of September 30, 2012, the Company had not originated any indirect home improvement loans through the California dealers.
Going forward, an emphasis will be placed on diversifying lending products by expanding commercial real estate, commercial business and residential construction lending, while maintaining the current size of the Bank's consumer loan portfolio. Further, as a result of demand by depository customers, management reintroduced Bank originations of residential mortgage loans during the fourth quarter of 2011, primarily for sale into the secondary market, through a mortgage banking program. The Company's lending strategies are intended to take advantage of: (1) the Bank's historical strength in indirect consumer lending, (2) recent market dislocation that has created new lending opportunities and the availability of experienced bankers, and (3) strength in relationship lending. Retail deposits will continue to serve as a primary funding source.
The Company is significantly affected by prevailing economic conditions, as well as government policies and regulations concerning, among other things, monetary and fiscal affairs. Deposit flows are influenced by a number of factors, including interest rates paid on time deposits, other investments, account maturities, and the overall level of personal income and savings. Lending activities are influenced by the demand for funds, the number and quality of lenders, and regional economic cycles. Sources of funds for lending activities include primarily deposits, including brokered deposits, borrowings, payments on loans and income provided from operations.
Earnings are primarily dependent upon the Bank's net interest income, the difference between interest income and interest expense. Interest income is a function of the balances of loans and investments outstanding during a given period and the yield earned on these loans and investments. Interest expense is a function of the amount of deposits and borrowings outstanding during the same period and interest rates paid on these deposits and borrowings. The Bank's earnings are also affected by the provision for loan losses, service charges and fees, gains from sales of assets, operating expenses and income taxes.
On April 5, 2012, President Obama signed into law the Jumpstart Our Business Startups Act (JOB Act), which establishes a new category of issuer called an emerging growth company. The Company is an "emerging growth company" as defined under the JOBS Act. The Company will remain an emerging growth company for up to five years, or until the earliest of (i) the last day of the first fiscal year in which our total annual gross revenues exceed $1 billion, (ii) the date that we become a "large accelerated filer" as defined in Rule 12b-2 under the Securities Exchange Act of 1934, as amended (the "Exchange Act") which would occur if the market value of the Company's common stock that is held by non-affiliates exceeds $700 million as of the last business day of the most recently completed second fiscal quarter or (iii) the date on which the Company has issued more than $1 billion in non-convertible debt during the preceding three year period.
As an emerging growth company, the Company may take advantage of certain exemptions from various reporting requirements that are applicable to other public companies that are not "emerging growth companies" including, but not limited to:
· not being required to comply with the auditor attestation requirements of
Section 404(b) of the Sarbanes-Oxley Act of 2002 (the Company also will not be subject to the auditor attestation requirements of Section 404(b) as long as the Company is a "smaller reporting company," which includes issuers that had a public float of less than $75 million as of the last business day of their most recently completed second fiscal quarter);
· reduced disclosure obligations regarding executive compensation in periodic reports and proxy statements; and
· exemptions from the requirements of holding a nonbinding advisory vote on executive compensation and shareholder approval of any golden parachute payments not previously approved.
In addition, Section 107 of the JOBS Act provides that an emerging growth
company can take advantage of the extended transition period provided in
Section 7(a)(2)(B) of the Securities Act of 1933, as amended (the "Securities Act") for complying with new or revised accounting standards. Under this provision, an emerging growth company can delay the adoption of certain accounting standards until those standards would otherwise apply to private companies. However, the Company has elected to "opt out" of such extended transition period, and as a result, the Company will comply with new or revised accounting standards on the relevant dates on which adoption of such standards is required for non-emerging growth companies. Management's decision to opt out of the extended transition period for complying with new or revised accounting standards is irrevocable.
Critical Accounting Policies and Estimates
Certain of the Company's accounting policies are important to the portrayal of the Company's financial condition, since they require management to make difficult, complex or subjective judgments, some of which may relate to matters that are inherently uncertain. Estimates associated with these policies are susceptible to material changes as a result of changes in facts and circumstances. Facts and circumstances which could affect these judgments include, but are not limited to, changes in interest rates, changes in the performance of the economy and changes in the financial condition of borrowers. Management believes that its critical accounting policies include determining the allowance for loan losses, the fair value of other real estate owned and the need for a valuation allowance related to the deferred tax asset.
Allowance for Loan Loss. The allowance for loan losses is the amount estimated
by management as necessary to cover probable losses inherent in the loan
portfolio at the balance sheet date. The allowance is established through the
provision for loan losses, which is charged to income. Determining the amount of
the allowance for loan losses necessarily involves a high degree of
judgment. Among the material estimates required to establish the allowance are:
loss exposure at default; the amount and timing of future cash flows on impacted loans; value of collateral; and determination of loss factors to be applied to the various elements of the portfolio. All of these estimates are susceptible to significant change. Management reviews the level of the allowance at least quarterly and establishes the provision for loan losses based upon an evaluation of the portfolio, past loss experience, current economic conditions and other factors related to the collectability of the loan portfolio. Although the Bank believes that we use the best information available to establish the allowance for loan losses, future adjustments to the allowance may be necessary if economic conditions differ substantially from the assumptions used in making the evaluation. As the Bank adds new products, increase the complexity of the loan portfolio, and expand the Bank's market area, management intends to enhance and adapt our methodology to keep pace with the size and complexity of the loan portfolio. Changes in any of the above factors could have a significant effect on the calculation of the allowance for loan losses in any given period. Management believes that its systematic methodology continues to be appropriate given our size and level of complexity.
Other Real Estate Owned. Property acquired by foreclosure or deed in lieu of foreclosure is recorded at fair value, less cost to sell. Development and improvement costs relating to the property are capitalized. The carrying value of the property is periodically evaluated by management and, if necessary, allowances are established to reduce the carrying value to net realizable value. Gains or losses at the time the property is sold are charged or credited to operations in the period in which they are realized. The amounts that will be ultimately realize from the sale of other real estate owned may differ substantially from the carrying value of the assets because of market factors beyond our control or because of changes in management's strategies for recovering the investment.
Income Taxes. Income taxes are reflected in the financial statements to show the tax effects of the operations and transactions reported in the financial statements and consist of taxes currently payable plus deferred taxes. Accounting Standards Codification, ASC 740, "Accounting for Income Taxes," requires the asset and liability approach for financial accounting and reporting for deferred income taxes. Deferred tax assets and liabilities result from differences between the financial statement carrying amounts and the tax bases of assets and liabilities. They are reflected at currently enacted income tax rates applicable to the period in which the deferred tax assets or liabilities are expected to be realized or settled and are determined using the assets and liability method of accounting. The deferred income provision represents the difference between net deferred tax asset/liability at the beginning and end of the reported period. In formulating the deferred tax asset, the Bank is required to estimate the income and taxes in the jurisdiction in which the Bank operates. This process involves estimating actual current tax exposure for the reported period together with assessing temporary differences resulting from differing treatment of items, such as depreciation and the provision for loan losses, for tax and financial reporting purposes. Deferred tax assets are attributable to deductible temporary differences and carryforwards. After the deferred tax asset has been measured using the applicable enacted tax rate and provisions of the enacted tax law, it is then necessary to assess the need for a valuation allowance. A valuation allowance is needed when, based on the weight of the available evidence, it is more likely than not that some portion of the deferred tax asset will not be realized.
Comparison of Financial Condition at September 30, 2012 and December 31, 2011
Assets. Total assets increased $57.4 million, or 20.2%, to $341.2 million at September 30, 2012 from $283.8 million at December 31, 2011, primarily as a result of a $42.0 million, or 19.4% increase in net loans receivable, an $11.9 million, or 44.2%, increase in securities available-for-sale, an $8.5 million, or 100%, increase in loans held for sale and an $2.7 million increase in the deferred tax asset due to the reversal of the allowance. Cash and equivalents decreased $7.1 million, or 36.8% to $12.2 million at September 30, 2012 from $19.3 million at December 31, 2011. The increase in investments is in line with the Bank's business plan, and the increase in loans is tied to the low interest rate environment.
Loans receivable, net increased $42.0 million, or 19.4%, to $259.2 million at September 30, 2012 from $217.1 million at December 31, 2011. Real estate secured loans increased $20.2 million, or 31.8%, to $83.7 million at September 30, 2012 from $63.5 million at December 31, 2011, primarily as a result of a $14.3 million, or 141.3%, increase in residential construction lending, a $3.8 million, or 13.3% increase in commercial real estate loans and a $1.6 million, or 18.1%, increase in one-to-four family loans. Consumer loans increased $4.0 million, or 3.5%, to $118.2 million at September 30, 2012 from $114.2 million at December 31, 2011, as a result of a $6.3 million, or 25.8% increase in recreational loans and a $1.0 million, or 1.3%, increase in indirect home improvement loans partially offset by a $2.8 million, or 47.6%, decrease in automobile loans. Commercial business loans increased $18.2 million, or 41.9%, to $61.5 million at September 30, 2012 from $43.3 million at December 31, 2011. The increase in commercial business loans was attributable to lower interest rates, which drove refinance activity and loan volume to the Bank's warehouse lending borrowers.
The allowance for loan losses at September 30, 2012 was $4.4 million, or 1.7% of gross loans receivable, compared to $4.3 million, or 2.0% of gross loans receivable, at December 31, 2011. Non-performing loans, consisting of non-accruing loans, decreased to $2.1 million at September 30, 2012 from $2.2 million at December 31, 2011. At September 30, 2012, non-performing loans consisted of $877,000 of commercial real estate loans, $362,000 of one-to-four family loans, $197,000 of home equity loans, and $394,000 of consumer loans and $266,000 of commercial business loans. Non-performing loans to total loans decreased to 0.8% at September 30, 2012 from 1.0% at December 31, 2011. Other real estate owned totaled $2.3 million at September 30, 2012, compared to $4.6 million at December 31, 2011. The $2.3 million or 49.4% reduction in other real estate owned reflects the sale of $2.5 million in other real estate owned and write-downs to fair value of $693,000 during the nine months ended September 30, 2012. At September 30, 2012, the Bank also had $3.1 million in restructured loans of which $2.1 million were performing in accordance with their modified terms and $1.0 million was on non-accrual.
FS BANCORP, INC. AND SUBSIDIARY -------------------------------------------------------------------------------- A summary of non-performing assets as of September 30, 2012 and December 31, 2011: September 30, December 31, 2012 2011 Non-performing assets- Non-accrual loans $ 2,096 $ 2,227 Other real estate owned 2,321 4,589 Repossessed consumer property 25 78 Total non-performing assets 4,442 $ 6,894
Liabilities. Total liabilities increased $24.8 million, or 9.7%, to $281.8 million at September 30, 2012, from $257.0 million at December 31, 2011. Deposits increased $28.4 million, or 11.5%, to $274.8 million at September 30, 2012 from $246.4 million at December 31, 2011. The increase in deposits was due to a $16.4 million, or 41.1%, increase in interest-bearing and noninterest-bearing checking accounts with management's continued focus on deposit growth efforts on relationship deposits with new and existing customers, a $10.2 million, or 9.2%, increase in money market and savings accounts, and a $1.8 million, or 1.9%, increase in time deposits. The increase in money market accounts was related to the funds received during the IPO that were substantially converted to equity capital.
Total borrowings, which consisted of FHLB advances, decreased $4.8 million, or 53.9%, to $4.1 million at September 30, 2012 from $8.9 million at December 31, 2011. The decrease in borrowings was related to the Bank's continued focus on reducing non-core funding and the success of our customer retention programs.
Equity. Total equity increased $32.6 million, or 121.8%, to $59.4 million at September 30, 2012 from $26.8 million at December 31, 2011. The increase in equity was predominantly a result of the $32.4 million in gross proceeds raised in the IPO and net income year to date. Book value per common share was $18.32 as of September 30, 2012.
Comparison of Results of Operations for the Three and Nine Months Ended September 30, 2012 and 2011
General. Net income for the three months ended September 30, 2012 was $3.3 million and includes a $2.3 million net tax impact from deferred tax asset provision reversal compared to net income of $225,000 for the three months ended September 30, 2011. The increase in net income was primarily attributable to a $925,000, or 27.7%, increase in net interest income and an $874,000, or 144.5%, increase in noninterest income partially offset by a $1.0 million, or 32.7% increase in noninterest expense. The increase in noninterest income was primarily impacted by $915,000 in gains on sale of loans from the Bank's new residential mortgage banking operations. The increase in noninterest expense was related to investments in new lending channels.
Net income for the nine months ended September 30, 2012 was $4.2 million including a $2.3 million net tax benefit compared to net income of $1.2 million for the nine months ended September 30, 2011. The increase in net income was primarily attributable to a $2.7 million, or 31.1%, increase in noninterest expense partially offset by a $1.8 million, or 18.3%, increase in net interest income and a $1.6 million, or 95.0%, increase in noninterest income. The increase in noninterest income was
primarily impacted by $1.5 million in gains on sale of loans from the Bank's new residential mortgage banking operations.
Net Interest Income. Net interest income increased $925,000, or 27.7%, to $4.3 million for the three months ended September 30, 2012, from $3.3 million for the three months ended September 30, 2011. The increase in net interest income was attributable to a $796,000 increase in interest income resulting from a shift of funds during the period from lower yielding cash and cash equivalents to higher yielding investment securities, as well as an increase in the average balance of the loan portfolio, and a $129,000 decrease in interest expense, primarily due to a reduction of the overall cost of funds.
Net interest income increased $1.8 million, or 18.3%, to $11.8 million for the nine months ended September 30, 2012, from $10.0 million for the nine months ended September 30, 2011. The increase in net interest income was attributable to a $494,000 decrease in interest expense, primarily due to a reduction in the overall cost of funds and an increase in interest income resulting from a shift of funds during the period from lower yielding cash and cash equivalents to higher yielding investment securities, as well as an increase in the average balance of the loan portfolio.
The net interest margin increased 19 basis points to 5.39% for the nine months ended September 30, 2012, from 5.20% for the same period of the prior year, primarily due to a shift in funds during the period from lower yielding cash and cash equivalents into higher yielding investment securities and a lower level of non-performing loans, coupled with a 38 basis point decline in the cost of funds.
Interest Income. Interest income for the three months ended September 30, 2012 increased $796,000, or 19.7%, to $4.8 million, from $4.0 million for the three months ended September 30, 2011. The increase during the period was primarily attributable to the increase in the average balance of the loan portfolio as well as a shift of funds during the period from lower yielding cash and cash equivalents to higher yielding investment securities during the three months ended September 30, 2012 compared to the same period last year.
Interest income for the nine months ended September 30, 2012 increased $1.3 million, or 10.8%, to $13.6 million, from $12.3 million for the nine months ended September 30, 2011. The increase during the period was attributable to a $990,000 increase in interest income from loans and a $345,000 increase in investment income during the nine months ended September 30, 2012 compared to the same period last year.
. . .


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.- Media outlets in Brazil are reporting on a proposal by the Catholic Church in that country for a schedule of activities for Pope Benedict XVI during his visit to Brazil in May of 2007 for the 5th General Conference of the Latin American Bishops' Council, which will be held at the Marian shrine of Aparecida.
According to the proposed schedule that Cardinal Claudio Hummes will present to the Holy See next week, the Holy Father would stay in Sao Paulo for three days and two days at the city of Aparecida do Norte, 170 kilometers north of Sao Paulo.
The schedule would include a meeting with Brazilian president Luiz Inacio Lula da Silva in Sao Paulo and an outdoor Mass at the Plaza Campo de Bagatelle before an estimated one million people.
Auxiliary Bishop Pedro Luiz Stringhini of Sao Paulo, a member of the commission charged with organizing the papal visit, said a meeting with the youth was also proposed.
During his stay in Sao Paulo, the Pope would stay at the Monastery of Sao Bento, which has a central location and would facilitate the Holy Father's travel to and from the main events there, scheduled for May 10 and 11.

subset: commoncrawl


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I recently bought my desktop pc with vista sp1. The problem is my graphics card when I install the driver CD or download a driver on the Internet and after installation and then restarting, vista starts with an finally loading bar page and then nothing happens, the pc still runs but nothing happens, the screen stays black.
Here is my setup:
Motherboard: Gigabyte EP-45-DS3R
Processor: Intel Core 2 Duo E8400
graphics card: GeGorce PNY XLR8 OC 9600 GT 513 MB GDDR3
HDD: Samsung SpinPoint F1 750 GB SATA 32 MB
What should I do?
Thank you in advance for your solutions.


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Aberdeen Caledonian Thistle Celtic Dundee Dundee United Hamilton Academical Hearts Kilmarnock Motherwell Ross County St Johnstone
Birmingham City Blackburn Rovers Bolton Wanderers Brentford Brighton & Hove Albion Bristol City Burnley Cardiff City Charlton Athletic Derby County Fulham Huddersfield Town Hull City Ipswich Town Leeds United Middlesbrough MK Dons Nottingham Forest Preston North End Queens Park Rangers Reading Rotherham United Sheffield Wednesday Wolverhampton
Michael Laudrup thinking beyond Manchester United clash
MICHAEL LAUDRUP reckons Swansea's clashes with Reading and Aston Villa are more important than their glamour game against Manchester United.
The two most important are Reading away and Aston Villa at home. They are key for me.
But boss Laudrup has pinpointed the Boxing Day trip to Reading and New Year's Day visit of Aston Villa as their key games over the Christmas period.
Laudrup said: "We start off with a game that everybody wants to play in and watch, Manchester United.
"But for me the two most important are Reading away and Aston Villa at home. They are key for me."


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I deleted the link on FB because the guy BOUGHT EVERYTHING.
Our honeymoon is paid for and we are having a hard time not crying about it. For real. We asked if we could take him out to dinner (asked on FB chat because I don't have any other contact info for him) and he said he'll sent his housewarming party info in the next few weeks b/c he's in the middle of moving. So I'll probably hug him and cry then.
Hulky and I decided that if anyone else asks about it, we'll say everything was paid for on the site, but we would welcome checks :D The money would not go to waste! We're keeping the donation under wraps from friends & family, just saying that our friends made some sizeable donations & we will be able to book as soon as we find good deals for our date range.
In other news...
I feel pretty sick today (but unsurprisingly, don't care). I kept falling asleep while watching TV last night and slept like a rock. I took Theanine Serene, no crazy dreams.
I got some probiotic stuff at Whole Foods today. Sheep milk yogurt (which is very creamy & good, if you like plain yogurt). Goat milk yogurt. Two bottles of kombucha. I'm going to start with a small serving of probiotic food/beverage every day. The kombucha will probably only be about a shotglass worth with dinner. If that goes well, I'll start having a bit more every day and then start making my own kombucha. I'll probably order a scoby online, unless craigslist has anything.
My tooth still hurts, though not nearly as much, & I still have a ton of post nasal drip. I'm drinking some KE tea now and will neti pot with tea tree oil after.


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Recent Large Service Acquisitions in the Department of Defense: Lessons for the Office of the Secretary of Defense
By Frank Camm, Irv Blickstein, Jose Venzor
Recent Large Service Acquisitions in the Department of Defense: Lessons for the Office of the Secretary of Defense
By Frank Camm, Irv Blickstein, Jose Venzor
New approaches to the acquisition of services and the related policy issues in which the office of the Secretary of Defense is likely to become involved.
Related books and articles
- Books
- Journals
- Magazines
- Newspapers
- Encyclopedia
The Process and Politics of Defense Acquisition: A Reference Handbook By David S. Sorenson Praeger Security International, 2009
Integrating the Department of Defense Supply Chain: Techincial Report By Eric Peltz; Marc Robbins Rand, 2012
War for Profit: Army Contracting vs. Supporting the Troops By Charles M. Smith Algora, 2012
Sanctions against Perpetrators of Terrorism By Damrosch, Lori Fisler Houston Journal of International Law, Vol. 22, No. 1, Fall 1999
U.K. Defense Policy: Modern Forces for the Modern World By O'Neill, Michael Strategic Forum, No. 153-158, January 1999
An Interview with Elmer Staats, Former Comptroller General of the United States: The First in a Three-Part Series By Tidrick, Donald The Journal of Government Financial Management, Vol. 55, No. 2, Summer 2006
Peer-reviewed publications on Questia are publications containing articles which were subject to evaluation for accuracy and substance by professional peers of the article's author(s).
Abolish the Air Force: What It Does on Its Own-Strategic Bombing-Isn't Suited to Modern Warfare. What It Does Well-Its Tactical Support Missions-Could Be Better Managed by the Army and Navy. It's Time to Break Up the Air Force By Farley, Robert The American Prospect, Vol. 18, No. 11, November 2007
Lockheed Martin's Defense Contracts Exceed $12B in '98 By Kutner, Joshua A. National Defense, Vol. 83, No. 547, April 1999
Dismissing Army's Manning Problem Won't Solve It By Sinnreich, Richard Hart Army, Vol. 56, No. 4, April 2006
Taiwan No Longer Wants to Buy F-16c/ds: Report By China Post, August 12, 2014
US Pitches for Rs 9,900-Cr Anti-Tank Missile Deal By Hindustan Times (New Delhi, India), February 11, 2013
What Should President Obama Do about Missile Defense? By Kimball, Daryl G. The Washington Times (Washington, DC), November 30, 2008


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Baker ultimately created The Unknown Hinson Show and then took his act on the road and into the studio, resulting in five weirdly wonderful albums, including his 1999 debut, 21 Chart-toppers, and his most recent, Unknown Hinson: Live and Undead.
Hinson's "back story" includes convictions for numerous nefarious deeds and a 30-year prison sentence, which concluded with his release in 1993.
Since then, Hinson has been a constant presence on the road and briefly flirted with major label status after being signed by Capitol Records, which released 2002's Rock n Roll is Straight From Hell and reissued The Future is Unknown.
Unknown Hinson plays Southgate House Saturday with The Lewis Brothers. Read Brian Baker's full Sound Advice here.
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2007 Chevrolet Equinox SUV LT 4dr SUV (3.4L 6cyl 5A)
I have owned my LT Equinox '07 since 2007 as a new car.
I have no major problems with it.
It drives and rides great on the highway.
Fuel comsumption is favorable.
As previously stated the plus is extra leg room in the seat if needed.
I have purchased a set of new tires and a battery, and I have also had the sun visor mirror replaced.
The leather and mirrors have the look and feel of cheap materials.
The leather does not feel nor look like real leather.
My carpet over the dirvers side has a hole in the far corner where my foot does not touch.
I would say then that the carpet is cheap.
Overall the operation of the car is good for the money.
Hopefully upgrades are in the new 2011.
Rear seat, interior size and looks.
Better leather and interior features, improve position on ports for Ipods, phones, etc. and a better grade of carpet.
2007 Chevrolet Equinox SUV LT 4dr SUV (3.4L 6cyl 5A)
Bought my Equinox brand new in Feb 2007; within few months of having it the mirror covers in sun visors broke off on both sides. Chrome around gear shift is like a mirror to the sun & blinds you! Now my breaks grab really hard when I'm slowing down, anything below 20 mph & they starts grabbing really hard as if my breaks are bad. AC doesn't really push out cold like it could at times. Recently went to get a transmission flush & was told by 3 different 'quick oil change' places that they couldn't do it on my car since it's a sealed transmission, so now I'm gonna have to pay much more $ to go to a dealership for the transmission flush. Wishing I had bought a different SUV!
Roomy, great for travel. Great look
Get rid of chrome on gear shift, use better parts for interior such as mirror covers! Something up with breaks, saw other comments about ABS so there may be an issue there! Do something about the AC.
2007 Chevrolet Equinox SUV LT 4dr SUV (3.4L 6cyl 5A)
I purchased this vehicle used 6 months ago, have had no problems at all so far. The sliding rear seat is a brilliant idea that is very useful. Rear seat room is excellent. The center console mounted window switches struck me as odd at first, but I have come to love them, they offer very easy and visible access. Performance is acceptable, fuel mileage is better than I expected. My only complaints are that the transmission seems unsure of which gear to use, (5th or overdrive) and hunts between 40 and 50 mph, the sunroof whistles above 60 or so, and the front seat cushions seem a bit short. However, these issues do not negatively affect my appreciation for this vehicle.
Sliding rear seat, great sound system with mp3 and aux. input, good fuel mileage, looks good, lots of space, comfortable on the interstate, driver information system, individual tire pressure monitors.
Hunting transmission is annoying, so is the whistle from the sunroof. Front seat cushions too short, but otherwise comfortable.
2007 Chevrolet Equinox SUV LT 4dr SUV (3.4L 6cyl 5A)
Things I don't like; center console is cheap and the cup holders are horrible, the engine knocks no matter what, the mirror covers on the visors always brake, the passenger air bag is faulty, there is a LEAK SOMEWHERE in the car that covers my floor board and cargo space. The chrome plate around the shifter is a driving hazard. The AC can not handle the space and there are no rear vents and the vents in the front have a limited movement. The interior lights are cheep also. The center console set up is very poor design. I would never own another 07 equinox and would get rid of it now if I could afford to take a hit.
windows roll down pretty far, the seats fold down nicely, love the tire pressure gauge,
...put a center console with real cup holders, get rid of that chrome shifter plate, make sure the dang thing doesn't leak, do something about the A/C, put rear vents...just make the GMC and Chevy supporters proud and put your heart into all your vehicles.
2007 Chevrolet Equinox SUV LT 4dr SUV (3.4L 6cyl 5A)
I love the exterior my 2007 Equinox. XM radio is a great feature. However interior is full of issues. Heated seats work intermittently. Don't wait until winter to try them. You might be out in the cold. This feature isn't for the duration of the 5 yr, 100,000 mile warranty. Check them throughout the year even in the summer. Right passenger airbag sensor doesn't always work. GM recall for this. Driver side seat mechanism didn't work once for 2 days. Took it to dealership to fix. Chrome center panel reflects sun causing blinding glare when driving. Remember some things are only under warranty for 2 years so don't delay taking your car in for repairs. Make sure it's in computer system everytime
The body style is wonderful.
For new cars the 5 yr, 100,000 warranty should cover all items: heated seats, heating/cooling systems
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text:
Storms of the mind will let's enjoy the rain dance ~ Open our tounge to its rain drops enjoy it while it lasts... <3 ~ ~
cool colours and very expressive
Excellent Cherry!
This looks really cool! Nice work, I like it. ^^
Thanks so much. I'm happy with how it turned out!
Very nice
I love your ID photo
I love your ID photo
Wow, this is stunning!
This is beautiful. Absolutely beautiful. Great job, Dood!
Why thank you. Strange considering I actually think of most of my art as ugly...but it's good, I think!
Ugly can be pretty darn neat - don't you dare underrate it! Besides, I'm using this as my desktop bg now. Hope you don't mind.
No sir! It's not that I think it's a bad thing as such, just wonder what it says about me sometimes.
You are? Awesome! Mind? I'm ecstatic about it!
You are? Awesome! Mind? I'm ecstatic about it!
Yeah, 'tis what I have heard too. Hmm...explains a parent's relationship with a child.
Ich. I apoligise for my artwork. Presumably the painkillers were a post-op thing?
Ich. I apoligise for my artwork. Presumably the painkillers were a post-op thing?
Wow, just great emotion.
nice job


text:
|Publication number
|Publication type
|Application number
|Publication date
|3 Aug 2010
|Priority date
|15 Jul 2003
|Fee status
|Also published as
|Publication number
|James Pate
|Original Assignee
|Lsi Corporation
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (6), Classifications (11), Legal Events (2)
|External Links: USPTO, USPTO Assignment, Espacenet
The present application is a divisional application of and claims priority under 35 U.S.C. �121 to U.S. application Ser. No. 10/620,778, now U.S. Pat. No. 7,478,758 entitled: Method and Apparatus for Automatically Tracking and Communicating Data Storage Device Information Using RF Tags: Operating Condition, Configuration and Location filed Jul. 15, 2003. The U.S. Pat. No. 7,478,758 is herein incorporated by reference in its entirety.
This invention relates generally to electronic tracking of data storage devices, and particularly to a method and apparatus for automatically tracking and communicating data storage device information using RF (radio frequency) tags, wherein the RF tags may use EEPROM or flash memory to store relevant data.
Radio frequency identification (RFID) is a system that reads data from a RF tag (or tag) and/or writes data to a tag that is present in a radio frequency field projected from a RF reader. A RF reader may read data from a tag and/or write data to a tag. Data on a tag may be contained in one (1) or more bits for the purpose of providing identification and other information relevant to the object to which the tag is attached. RFID incorporates the use of electromagnetic or electrostatic coupling in the radio frequency portion of the spectrum to communicate to or from a tag through a variety of modulation and encoding schemes.
A RF tag works conventionally by first recording or "burning in" identification or other data on the tag. Thereafter, the tag sends the recorded identification or other information to a RF reader. A particular advantage of RF tags over bar code, optical characters and magnetic storage (such as the magnetic strip on many credit cards) is that the RF tag does not require physical contact, or as is the case with optical character and bar code readers, line of sight, between the tag and the reading device to be read.
The RF tag memory may comprise read-only (ROM), random access (RAM) and non-volatile programmable memory for data storage depending upon the type and sophistication of the tag. The ROM-based memory is used to accommodate security data and the tag operating system instructions which, in conjunction with the processor or processing logic, deals with the internal "house-keeping" functions such as response delay timing, data flow control and power supply switching. The RAM-based memory is used to facilitate temporary data storage during tag interrogation and response. The non-volatile programmable memory is used to store the tag data and needs to be non-volatile to ensure that the data is retained when the tag is in its quiescent or power-saving "sleep" state. The non-volatile programmable memory may take various forms, electrically erasable programmable read only memory (EEPROM) being typical. Those of ordinary skill in the art will understand that the non-volatile programmable memory may also be flash memory (sometimes called "flash RAM"), which is a type of constantly-powered nonvolatile memory that can be erased and reprogrammed in units of memory called blocks. Flash memory is a variation of EEPROM which, unlike flash memory, is erased and rewritten at the byte level, which is slower than flash memory updating.
Depending upon the type of memory a RF tag contains, the data carried by the tag may be read-only, write once read many (WORM), or read/write. Read-only tags are typically low capacity devices programmed at source (factory programmed), usually with an identification number. WORM tags are user programmable (field programmable) devices. Read/write tags are also user-programmable but allow the user to change data stored in a tag.
Data storage devices such as controllers, drive trays, and the like, are conventionally manufactured by a company for an OEM (original equipment manufacturer) customer. It is often a labor intensive and time consuming process for the manufacturer to assemble, select, track, log, and maintain data storage devices. Thus, it would be desirable to provide a method and apparatus for automatically tracking and communicating data storage device information using RF tags.
Accordingly, the present invention is directed to a method and apparatus for automatically tracking and communicating data storage device information using RF tags.
In a first aspect of the present invention, a method for manufacturing a data storage device includes: placing a RF tag on a data storage device; and assembling the data storage device based on the RF tag, wherein the RF tag provides information on an assembly method.
In an additional aspect of the present invention, a method for shipping a data storage device includes: reading a RF tag attached on a data storage device to select the data storage device; and shipping the data storage device to a customer.
In an another aspect of the present invention, a method for tracking and utilizing a data storage device includes: entering information about a data storage device into a database through reading a RF tag placed on the data storage device when a customer receives the data storage device from a manufacturer; and storing the data storage device in an inventory based on the RF tag, wherein the RF tag contains hardware and software configuration information about the data storage device.
In a further aspect of the present invention, a method for a manufacturer to maintain a data storage device includes: notifying a manufacturer of a failure or potential failure of a data storage device; and locating the data storage device via a RF tag placed on the data storage device and via global positioning system by the manufacturer, wherein the RF tag contains hardware and software configuration information about the data storage device. A field engineer may record changes made to the hardware and software configuration information about the data storage device by programmatically writing to the RF tag.
In a still further aspect of the present invention, a method for a manufacturer to repair a returned data storage device includes: reading a RF tag attached on a returned data storage device, the RF tag containing hardware and software configuration information about the returned data storage device; and inquiring whether a warranty period for the returned data storage device has expired or whether the hardware and software configuration information is different from original configuration information.
In an additional aspect of the present invention, an apparatus includes a data storage device and a RF tag attached to the data storage device, wherein the RF tag contains information about the data storage device.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention as claimed. The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate an embodiment of the invention and together with the general description, serve to explain the principles of the invention.
The numerous advantages of the present invention may be better understood by those skilled in the art by reference to the accompanying figures in which:
Reference will now be made in detail to the presently preferred embodiments of the invention, examples of which are illustrated in the accompanying drawings.
In a preferred embodiment, a RF tag attached to a data storage device may be used to contain information such as hardware and software configurations, operating conditions, and the like about the data storage device. Hardware configuration may include the number of drive trays, controllers, HBAs (host bus adapters), types, models, and the like. Software configuration may include LUN (logic unit number) configuration, software release and premium features, and the like. Such a tag may use EEPROM, flash memory, or the like to store hardware and software configurations and may be used in the processes shown in
In a preferred embodiment, every operation involving a configuration change and/or a geographic location change to a data storage device may be recorded and tracked using a RF tag attached to the data storage device, RF reader, database engines (i.e., SQL or Structured Query Language), and a database. This may remove the cost and inherent errors associated with manually performing these activities.
Referring now to
Next, the data storage device is repaired 510. This may be performed according to the instructions stored on the RF tag. Then new configuration information is stored (written) on the RF tag 512. After this, the data storage device may be delivered to the customer.
The present invention is advantageous because it may reduce or even eliminate manual labor and associated variability, inherent to the operator manually selecting, tracking, logging and maintaining data storage devices.
It is understood that the specific order or hierarchy of steps in the processes disclosed is an example of exemplary approaches. Based upon design preferences, it is understood that the specific order or hierarchy of steps in the processes may be rearranged while remaining within the scope of the present invention. The accompanying method claims present elements of the various steps in a sample order, and are not meant to be limited to the specific order or hierarchy presented.
It is believed that the present invention and many of its attendant advantages will be understood by the foregoing description. It is also believed that it will be apparent that various changes may be made in the form, construction and arrangement of the components thereof without departing from the scope and spirit of the invention or without sacrificing all of its material advantages. The form herein before described being merely an explanatory embodiment thereof, it is the intention of the following claims to encompass and include such changes.
|Cited Patent
|Filing date
|Publication date
|10 Apr 1995
|24 Sep 1996
|International Business Machines Corporation
|Method and apparatus for controlling storage utilization
|19 Oct 1994
|28 Jan 1997
|Fujitsu Limited
|Checking for proper locations of storage device in a storage device array
|5 May 1997
|23 Mar 1999
|Electronic Data Systems Corporation
|Item removal system and method
|18 Jun 1997
|12 Oct 1999
|Allen-Bradley Company, Inc.
|Redundant automation controller with deductive power-up
|27 Jun 2002
|8 Jun 2004
|Ncr Corporation
|System and method of detecting movement of an item
|15 Apr 2003
|22 Jun 2004
|Lsi Logic Corporation
|Method and system for automating data storage array components testing with integrated work order dispatching
|U.S. Classification
|235/375, 235/385
|International Classification
|Cooperative Classification
|European Classification
|27 Jul 2011
Owner name: NETAPP, INC., CALIFORNIA
Effective date: 20110506
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:LSI CORPORATION;REEL/FRAME:026656/0659
|3 Feb 2014
|Fee payment
Year of fee payment: 4


text:
idk if you guys realize and i'm not sure about that but when i pop icy veins and cast an frostbomb the countdown to detonate dont get reduced
bug or not?
Frost Bomb countdown with Icy veins
Started by Coldizzle, Dec 13 2012 09:46 PM5.1 mage nerf bug countdown haste
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Also tagged with one or more of these keywords: 5.1, mage, nerf, bug, countdown, haste
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St. Louis Cardinals Host Purina Pooches In the BallparkIt's time once again for St. Louis canines to "bark" on the Cardinals at Busch Stadium!
2016 Cardinals Single Game Tickets Go On SaleThe St. Louis Cardinals announced today that individual tickets for the 2016 season will go on sale this Friday, March 4th beginning at 10 a.m. Central Time.
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20th Annual Winter Warm-Up Tickets On Sale Friday
Steal A Base, Steal A Taco Bell BreakfastTaco Bell is encouraging people to spread the word by using the hashtag #stealabreakfast.
Trish & Co-Workers Root, Root for the Home Team! Goooo Cards! (Bloopers!!)Take Me Out to the Ballgame CBS style! Gooooooo Cards!
Top Bars To Watch MLB Playoffs In St. LouisCatch every MLB play, from the first pitch to the final home run, at these top St. Louis bars to watch Major Baseball League playoffs.
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Cardinals and McDonald's Offer $5 Tickets For Pennant Race GamesFans can purchase tickets to some of the final regular season home games for just $5 during McDonald's Ticketfest!
Cardinals And Famous Footwear Announce $6 Ticket PromotionThe $6 tickets go on sale tomorrow, Thursday, August 6, at 10 a.m. CT.


text:
Byantine infantry from Komnin age to XIV century.
Love it. Brave Romans.
One of my favorite art.
Ah look at them ! Well ready to kick some butt .
You even added a scar resting on his striped shield. Nice detail.
very realistic
Wow, they look amazing!
Ah yes, roman soldiers of komnenos.
Totally sweet! Do more art like this
Great Chain mail!!
Wow reallu good!
Great one! love the mood it brings out on the soldiers.
Nice one
Great work the details are stunning I really like the monochromatic effect. Byzantine soldiers are so cool.
awesome!!!! love the details
Bravo Kićo! Odlični su


text:
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Home is Family. It's time to get back to yours.
Your next trip home could be on us. Share your story on the #HomeAwaits photo contest and enter for a chance to win a roundtrip flight for two!
See Official Rules.
When's the time you went home?
Your next trip home could be on us! This Thanksgiving, enter CheapOair's #HomeAwaits photo contest for a chance to win a roundtrip flight for two plus a seven-day car rental. Getting home to your family has never been easier!
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The Home Awaits Photo Contest (the "Contest") starts on November 1, 2015 at 12:00 a.m. Eastern Time ("ET") and ends on November 24, 2015 at 11:59 p.m. ET ("Contest Period"). All Entries must be received by 11:59 p.m. on November 24, 2015 to be considered. This Contest is in no way sponsored, endorsed or administered by, or associated with Instagram. All information provided in connection with the Contest is provided to Sponsor and not to Instagram.
This Contest is open to legal residents of the fifty (50) United States and the District of Columbia who are at least the age of majority in the state in which they reside (18, except AL and NB, 19, MS, 21). Employees of Fareportal, Inc. ("Sponsor"), any prize provider, and their respective parents, subsidiaries, affiliates, promotion and advertising agencies, and members of their immediate family (spouse and parent, children and siblings and their respective spouses, regardless of where they reside) and persons living in the same household, whether or not related, of such employees are not eligible to enter or win. Void where prohibited by law. Contest is subject to all applicable federal, state and local laws.
During the Contest Period, take a photo of a person, place, or memory that illustrates what home means to you ("Photo") and write a caption in English about why CheapOair should send you home for the holiday ("Essay"). The Essay must be 1,000 characters or less. Photo and Essay must be labeled #HomeAwaits and are referred to collectively as your "Entry".
To enter the Contest, either visit cheapoair.com/deals/home-awaits and follow the directions provided to complete the entry form and then, upload your Entry or post your Entry using your Instagram account using the hashtag "#HomeAwaits". Photo must be submitted in a format and size acceptable to each of the platforms' policy. Essay must not exceed 1,000 characters in length. Any Entry that exceeds the aforementioned limits will be deemed ineligible and will not be considered for participation.
Entries generated by script, macro or other automated means are void. Limit one (1) Entry per person, per email address and per household, regardless of method of entry. Entries received from any person or household in excess of the limitation will be void. All Entries become the sole property of the Sponsor and will not be acknowledged or returned.
Entry (i) must be you own original work (must not infringe upon the copyrights, trademarks, rights of privacy, publicity or other intellectual property or other rights of any person or entity); (ii) may not have been previously published; (iii) may not have been submitted or won any other contest; (iv) must be in keeping with the Sponsor's positive image; (v) may not be offensive or inappropriate, as determined by the Sponsor in its sole discretion; and (vi) may not defame or invade publicity rights or privacy of any person, living or deceased, or otherwise infringe upon any person's personal or property rights or any other third party rights.
If your Entry contains material or elements that are not owned by you, and/or which are subject to the rights of third parties, you are responsible for obtaining, prior to submission of the Entry, any and all releases and consents necessary to permit the use and exhibition of the Entry by Sponsor in the manner set forth in these Official Rules, including, without limitation, name and likeness permissions from any person who appears in or is identifiable in the Entry. Sponsor reserves the right to request proof of these permissions in a form acceptable to Sponsor from any entrant at any time. Failure to provide such proof may, if requested, render Entry null and void.
By submitting an Entry, you warrant and represent that you and any persons appearing or who are identifiable in the Entry consent to the submission and use of the Entry in the Contest and to its use as otherwise set forth herein.
Entry may not contain, as determined by the Sponsor, in its sole discretion, any content that:
is sexually explicit or suggestive; unnecessarily violent or derogatory of any ethnic, racial, gender, religious, professional or age group; profane or pornographic; contains nudity;
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promotes any activities that may appear unsafe or dangerous;
promotes any particular political agenda or message;
is obscene or offensive;
endorses any form of hate or hate group;
appears to duplicate any other submitted Entry;
defames, misrepresents or contains disparaging remarks about other people or companies;
contains trademarks, logos, or trade dress (such as distinctive packaging or building exteriors/interiors) owned by others, without such party's permission;
contains any personal identification, such as license plate numbers, personal names, e-mail addresses or street addresses;
contains copyrighted materials owned by others (including photographs, sculptures, paintings, and other works of art or images published on or in websites, television, movies or other media), without permission;
contains materials embodying the names, likenesses, voices, or other indicia identifying any person, including, without limitation, celebrities and/or other public or private figures, living or dead, without permission;
contains look-alikes of celebrities or other public or private figures, living or dead;
communicates messages or images inconsistent with the positive images and/or good will to which we wish to associate; and/or
violates any law.
By submitting your Entry, you agree that your Entry conforms to these Official Rules and that Sponsor, in its sole discretion, may disqualify your Entry for any reason, including if it determines, in its sole discretion, that your Entry fails to conform to these Official Rules in any way or otherwise contains unacceptable content as determined by Sponsor, in its sole discretion.
By submitting an Entry, you hereby grant permission for the Entry to be posted on www.cheapoair.com or other websites. You agree that Released Parties (as defined below) are not responsible for any unauthorized use of Entries by third parties. Released Parties do not guarantee the posting of any Entry. You agree that you will not use the Entry for any other purpose, including, without limitation, posting the Entry to any online social networks, without the express consent of Sponsor in each instance.
In the event of a dispute as to who submitted an Entry, the authorized account holder of the account used to enter will be deemed to be the entrant. "Authorized account holder" is defined as the natural person who is assigned to an e-mail address by an Internet Access provider, Online Service provider or other organization (e.g., business, educational institution etc.) that is responsible for assigning e-mail addresses or the domain associated with the submitted e-mail address.
All eligible Entries received by Sponsor will be judged by a panel of qualified judges on the following criteria on a scale from 1 to 10 (10 being the highest) and weighted as follows: (i) Originality (34%); (ii) Creativity (33%); and (iii) Appropriateness to contest theme (33%). The Entry with the highest score will be deemed the potential winner ("Potential Winner"). In the event of a tie, an additional, "tie-breaking" judge will determine the Potential Winner based on the criteria listed herein. Sponsor reserves the right not to award prize if, in its sole discretion, it does not receive a sufficient number of eligible and qualified Entries. Prize awards are subject to verification of eligibility and compliance with these Official Rules.
Sponsor's decisions are final and binding on all matters relating to this Contest. Potential Winner will be notified by telephone, mail and/or email and will be required to complete an Affidavit of Eligibility, Liability and Publicity Release (unless prohibited by law) and any other documents required by Sponsor and/or prize supplier (collectively "Release"), which must be returned within seven (7) days of date appearing on the Release. Return of prize or Release as undeliverable, failure to sign and return the Release within the specified time period, the inability of Sponsor to contact a Potential Winner within a reasonable time period or noncompliance with these Official Rules by any Potential Winner will result in disqualification and, at Sponsor's sole discretion, the prize may be awarded to the next highest scoring Entry.
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The Prize is a trip for winner and one (1) guest. Trip consists of roundtrip, coach class air transportation on a Sponsor selected airline from a major U.S. gateway airport nearest winner's residence to a winner selected domestic destination and seven (7) days compact car rental of Sponsor's choice. Car rental is subject to car rental company terms and conditions. Approximate Retail Value ("ARV"): $2250.00. Actual value of may vary based on point of departure. Any difference between stated value and actual value will not be awarded. Trip must be taken on dates specified by Sponsor or prize will be forfeited and Sponsor will have no further obligation to such winner. Sponsor reserves right to change dates. Travel must be completed by January 15, 2016 or prize will be forfeited and Sponsor will have no further obligation to such winner. Winner and guest must travel together on the same itinerary. Winner's guest must be of legal age of majority in his/her jurisdiction of residence (and at least 18), unless the child or legal ward of winner and must sign a liability/publicity release prior to issuance of travel documents. If guest is child or legal ward of winner, winner must sign and return release on behalf of such child or legal ward. Travel must be made through Sponsor's agent, on a carrier of Sponsor's choice. Travel is subject to availability. Certain blackout dates and travel restrictions may apply. All federal, state and local taxes and all other costs associated with prize acceptance and use not specified herein as being provided, including meals, souvenirs, gratuities, etc. are solely the responsibility of the winner.
By participating, each entrant agrees: (a) to abide by these Official Rules and decisions of Sponsor and judges, which shall be final and binding in all respects relating to this Contest; (b) to release, discharge and hold harmless Sponsor, Instagram, any prize provider, and their respective parents, affiliates, subsidiaries, and advertising and promotion agencies, and the respective officers, directors, shareholders, employees, agents and representatives of the forgoing (collectively, "Released Parties") from any and all injuries, liability, losses and damages of any kind to persons, including death, or property resulting, in whole or in part, directly or indirectly, from entrant's participation in the Contest or any Contest-related activity or the acceptance, possession, use or misuse of any awarded prize including any travel/activity related thereto including any harm/injury caused from the use of a vehicle; and (c) to the use of his/her name, voice, performance, photograph/video, image and/or likeness for programming, advertising, publicity and promotional purposes in any and all media, now or hereafter known, worldwide and on the Internet, and in perpetuity by Sponsor and its designees, without compensation (unless prohibited by law) or additional consents from entrant or any third party and without prior notice, approval or inspection, and to execute specific consent to such use if asked to do so. By participating, entrant also agrees not to release any publicity or other materials on their own or through someone else regarding their participation in the Contest without the prior consent of the Sponsor, which it may withhold in its sole discretion.
By submitting an Entry, each entrant agrees Sponsor shall own the Entry submitted (including all rights embodied therein) and that it and its designees may exploit, edit, modify, and distribute the Entry and all elements of such Entry, including, without limitation, the names and likenesses of any persons or locations embodied therein, in any and all media now known or hereafter devised, worldwide, in perpetuity without compensation, permission or notification to entrant or any third party.
Released Parties are not responsible for lost, late, incomplete, damaged, inaccurate, stolen, delayed, misdirected, undelivered, or garbled Entries; or for lost, interrupted or unavailable network, server, Internet Service Provider (ISP), website, or other connections, availability or accessibility or miscommunications or failed computer, satellite, telephone or cable transmissions, lines, or technical failure or jumbled, scrambled, delayed, or misdirected transmissions or computer hardware or software malfunctions, failures or difficulties, or other errors or difficulties of any kind whether human, mechanical, electronic, computer, network, typographical, printing or otherwise relating to or in connection with the Contest, including, without limitation, errors or difficulties which may occur in connection with the administration of the Contest, the processing or judging of Entries, the announcement of the prize, the incorrect uploading of the photo or in any Contest-related materials. Released Parties are also not responsible for any incorrect or inaccurate information, whether caused by site users, tampering, hacking, or by any equipment or programming associated with or utilized in the Contest. Released Parties are not responsible for injury or damage to any person's computer related to or resulting from participating in this Contest or downloading materials from or use of the website. Persons who tamper with or abuse any aspect of the Contest or website, who act in an unsportsmanlike or disruptive manner or who are in violation of these Official Rules, as solely determined by Sponsor, will be disqualified and all associated Entries will be void. Should any portion of the Contest be, in Sponsor's sole opinion, compromised by virus, worms, bugs, non-authorized human intervention or other causes which, in the sole opinion of the Sponsor, corrupt or impair the administration, security, fairness or proper play, or submission of Entries, Sponsor reserves the right at its sole discretion to suspend, modify or terminate the Contest and, if terminated, at its discretion, select the potential winner from all eligible, non-suspect Entries received prior to action taken using the judging procedure outlined above. CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE THE WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES AND OTHER REMEDIES (INCLUDING ATTORNEYS' FEES) FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION.
For winner's name (available after November 25, 2015), send a self-addressed, stamped, envelope by December 31, 2015 to: #HomeAwaits Photo Contest, c/o Fareportal, Inc., 135 West 50th Street, 5th Floor, New York, NY 10020.
Sponsor: Fareportal, Inc., 135 West 50th Street, 5th Floor, New York, NY 10020
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If you need Hospitality Supplies or Hospitality or even Knives in QLD, look no further. www.hotfrog.com.au showcases more than 66 Hospitality Supplies businesses across QLD. To find more related businesses and to filter by locality, use the left navigation menu.
Stafford, QLD
The Knife Sharpening Service for The Professional and Home Enthusiast. Knives, Scissors, Tools. The Knife Doctor has successfully operated under th…
More info
- 25-Jan-2012
- 04-May-2010
Algester, QLD
Admed stocks and provides hospital supplies and rehabilitation equipment.
Kunda Park, Qld
Pitchers Hospitality Supplies Sunshine Coast Brisbane QLD Your Pitchers sales representatives regularly visit the following locations
Pitchers Hospitality Supplies is a family run business that has been operating from the Sunshine Coast for 30 years Our warehousing, showroom and demonstration centre are located at 10 tectonic Crescent, Kunda…
Smithfield, QLD
…5 star hotels to caravan parks, healthcare facilities to backpacker accommodation and everyday home needs. Hospitality Supplies is an Australian family owned business. We also have our own manufacturing, warehousing…
Motel Supplies
Carindale, QLD
"WE HAVE LARGE VOLUME OF SURGICAL MASKS AVAILABLE SO SWINE FLU STAY AWAY!!!" Herimex Interntional Pty Ltd is a hospitality supplier located in Queensland who supplies excellent quality products at competitive prices. Ou…
Shampoo & Conditionerhospitality supplierTowelling
Robina, QLD
…we supply a wide range of quality stationery, office products, office furniture and canteen and janitorial supplies. We deal both retail and business to business. Give us a call or pop in today to see how we can save…
Mooloolaba, QLD
…online shopping cart for consumers with king sized pillowtop beds. We aim to deliver a comprehensive range of hospitality supplies, to the resort industry. We manufacture a unique range of bedspreads, bedrunners and…
Hospitality ProductsCommercial LinenTowelling
Auchenflower, QLD
Comtag Sales is a premier supplier of commercial kitchen equipment and hospitality supplies including counter top lines , china ,glassware , utensils and cutlery
Char GrillsGlasswashersdeep fryersConvection Ovens
Robina Town Centre, QLD
…to your individual requirements.
Huge Selection
We are able to access to an enormous selection of hospitality supplies which means you can purchase all your hotel or resort supplies in one place…
Catering Supplieskitchen suppliesCooking EquipmentKitchen Equipment
Morningside, QLD
…Mattress, Air Express
- Stryker Advanced Intensive Care Bed System
- Stryker Bari 10A/160 Bariatric Hospital Bed System with Calibre 385kg Patient Lifter Hoist
- Favero Horizon 300 Hospital Cot Beds,
- Favero 30…
Bundall, QLD
National Hotel Supplies provides an easy access online shopping service for all, with fast delivery. We are committed to having stock available when you need it.
We have shaped our enterprise by actively listening to…
Motel SuppliesHotel ProductsHotel SuppliesCommercial Linen
Brisbane, QLD
…was established as a resource, to enable informed operators to purchase wholesale fresh food and restaurant hospitality supplies at a significantly reduced cost. Since joining our hospitality solutions program, our…
Hospitality Solutions
Yatala, Qld
Whisper Paper - distributing washroom products to meet your needs. Toilet paper, hand towel, bin liners, soap, wipes, tissues, & toilet roll and soap dispensers
Hospitality ProductsWashroom Supplieswashroom products
Southport GOLD COAST, QLD
Avantgarde tableware is the leader in catering supplies, commercial tableware, buffetware and contract furniture for restaurants, hotels, clubs, pubs and cafes in the foodservice industry
Hotel SuppliesRestaurant SuppliesCatering SuppliesChinaware
Restaurant dinnerware, restaurant supplies, catering supplies. Foodservice Equipment International (FEI) has been supplying the Hotel, Restaurant and Catering markets in Australia
Deluxe Java Design specialises in manufacturing andsupplying elegant soft furnishings from our own workshop in .We take the time to understand your unique situation and each piece is tailormade to suit your special requ…
Motel SuppliesHotel SuppliesRestaurant Supplies
Labrador, QLD
This hospitality products site, has been designed so you can easily find all your hospitality product & supplies you need. You won't believe the discounted prices on offer - Australia's best kitchenware, bakeware, flatw…
Hospitality Products
Aitkenvale, QLD
King of Knives stocks a huge range of quality brands from around the world. We are constantly monitoring world trends and new product offerings to secure the best, the newest and most innovative products available. Plea…
Kitchen ToolsKitchen KnivesFlashlightsKnives
Tooowoomba, QLD
Rockhampton, QLD
King of Knives stocks a huge range of quality brands from around the world. We are constantly monitoring world trends and new product offerings to secure the best, the newest and most innovative products available. Pl…
Pacific Fair, QLD
Noosaville, QLD
Maroochydore, QLD
Mackay, QLD
Indooroopilly, QLD
Kitchen ToolsKitchen KnivesKnivesCookware
Upper Mount Gravatt, QLD
Chermside, QLD
Cairns, QLD
Kitchen ToolsFlashlightsKnivesCookware
Bundaberg, QLD
Shailer Park, QLD
Imaging Solutions is a medical imaging equipment and consumables supplier. Offering an extensive range of market leading products which assist our customers deliver outstanding radiographic diagnostic quality
Nerang, Qld
Medeleq has adopted a policy of supplying only those products which clearly demonstrate their quality and which are suitable for their intended purpose We hold Quality Assurance Certification to ISO 9001: 2008…
Kunda Park, QLD
CookwareBar AccessoriesCutleryServing Equipment Food Service Equipment
Moorooka, QLD
Parkside, QLD
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Kitten's Top Three...
Posted March 16th, 2013 @ 4:29pm
Listen to Kitten on iHeartRadio
LA-based alt-rock band Kitten stopped by iHeartRadio at SXSW, where they divulged some of their most rock star moments to date. The band members might be young, but they've already done quite a bit of living. Add to the list rave reviews for their shows in Austin.
Check out Kitten's top three most rock star moments below.


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|WSJ Article: UA Pilot - Is This Guy Real posted Wed Aug 29 2007 09:47:13 by EHCPH
|Question About Lynx And Pilot/ FA Pay posted Fri Aug 10 2007 01:39:52 by Flyboy80
|What Happens To Song Pilot / FA Crews? posted Fri Jan 6 2006 18:25:52 by DCAYOW
|Pilot/FA/gate Agent Bonus For Holiday? posted Sun Nov 23 2003 04:05:36 by Flairport
|Are Pilot/FA/Mech Strikes Good In The Long Term? posted Thu May 24 2001 19:12:23 by Wolfpacker
|A Day In The Life Of A Pilot/FA posted Mon Jan 17 2000 20:59:39 by American B757
|FA In Flight Deck During Pilot Bathroom Break? posted Tue Dec 20 2005 22:47:32 by N484ER
|Pilot's And FA's Saying What Airline They Work For posted Tue Dec 20 2005 00:13:18 by Darrenthe747
|Continental's Fa/pilot Cuts Discussion posted Mon Feb 21 2005 00:26:15 by Artsyman
|Pilot Broadcasts Hijacking Signal By Mistake posted Mon Nov 1 2004 15:00:01 by Captjetblast


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Treatments for peripheral artery disease (P.A.D.) include lifestyle changes, medicines, and surgery or procedures.
The overall goals of treating P.A.D. include reducing risk of heart attack and stroke; reducing symptoms of claudication; improving mobility and overall quality of life; and preventing complications. Treatment is based on your signs and symptoms, risk factors, and the results of physical exams and tests.
Treatment may slow or stop the progression of the disease and reduce the risk of complications. Without treatment, P.A.D. may progress, resulting in serious tissue damage in the form of sores or gangrene (tissue death) due to inadequate blood flow. In extreme cases of P.A.D., also referred to as critical limb ischemia (CLI), removal (amputation) of part of the leg or foot may be necessary.
Lifestyle Changes
Treatment often includes making long-lasting lifestyle changes, such as:
Physical Activity
Routine physical activity can improve P.A.D. symptoms and lower many risk factors for atherosclerosis, including LDL ("bad") cholesterol, high blood pressure, and excess weight. Exercise can improve the distances you can comfortably walk.
Talk with your doctor about taking part in a supervised exercise program. If a supervised program is not an option, ask your doctor to help you develop an exercise plan. Most exercise programs begin slowly, which includes simple walking alternating with rest. Over time, most people build up the amount of time they can walk before developing pain. The more active you are, the more you will benefit.
Quitting Smoking
If you smoke, quit. Smoking raises your risk for P.A.D. Smoking also raises your risk for other diseases, such as coronary heart disease and heart attack, and worsens other coronary heart disease risk factors. Talk with your doctor about programs and products that can help you quit smoking. Also, try to avoid secondhand smoke.
If you have trouble quitting smoking on your own, consider joining a support group. Many hospitals, workplaces, and community groups offer classes to help people quit smoking.
Read more about quitting smoking at Smoking and Your Heart.
Heart-Healthy Eating
Your doctor may recommend heart-healthy eating to treat atherosclerosis, the most common cause of P.A.D. Following heart-healthy eating can help control blood pressure and cholesterol levels, which can lead to atherosclerosis.
Your doctor may prescribe medicines to:
- Prevent blood clots from forming due to low blood flow with anticlotting medicines, such as aspirin.
- Treat unhealthy cholesterol levels with statins. Statins control or lower blood cholesterol. By lowering your blood cholesterol level, you can decrease your chance of developing complications from P.A.D.
- Treat high blood pressure with one of many high blood pressure medicines.
- Help ease leg pain that occurs when you walk or climb stairs.
- Reduce the symptoms of intermittent claudication, measured by increased walking distance with certain platelet-aggregation inhibitors.
Surgery or Procedures
Bypass Grafting
Your doctor may recommend bypass grafting surgery if blood flow in your limb is blocked or nearly blocked. For this surgery, your doctor uses a blood vessel from another part of your body or a synthetic tube to make a graft.
This graft bypasses (that is, goes around) the blocked part of the artery. The bypass allows blood to flow around the blockage. This surgery doesn't cure P.A.D., but it may increase blood flow to the affected limb.
Angioplasty and Stent Placement
Your doctor may recommend angioplasty to restore blood flow through a narrowed or blocked artery.
During this procedure, a catheter (thin tube) with a balloon at the tip is inserted into a blocked artery. The balloon is then inflated, which pushes plaque outward against the artery wall. This widens the artery and restores blood flow.
A stent (a small mesh tube) may be placed in the artery during angioplasty. A stent helps keep the artery open after angioplasty is done. Some stents are coated with medicine to help prevent blockages in the artery.
Atherectomy is a procedure that removes plaque buildup from an artery. During the procedure, a catheter is used to insert a small cutting device into the blocked artery. The device is used to shave or cut off plaque.
The bits of plaque are removed from the body through the catheter or washed away in the bloodstream (if they're small enough).
Doctors also can perform atherectomy using a special laser that dissolves the blockage.
Other Types of Treatment
Researchers are studying cell and gene therapies to treat P.A.D. However, these treatments aren't yet available outside of clinical trials. Read more about clinical trials.


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Unbelievable...I cannot wait for it to open. The rock wall and swimming pool are awesome. The pool area has a 16 by 8 foot TV outside of the 25 person hot tub. The treadmills and elipiticals have individual TV screens built in with 76 cable channels and internet access, you can check email and study as you work out. The best part though has to be the basketball courts. Each has a different Cy logo at center court and they look great.
Remind me when it will be open?
I drove by it the other night on my way home from Coover, it looks pretty awesome from the outside even. Will it require a fee to use like the old state gym, or will it be open to all students like Lied is?
Originally Posted by dualthreat
Remind me when it will be open?
They hope it will open at the start of the semester, but it may not be until Febuary 1st.
Originally Posted by digZ
I drove by it the other night on my way home from Coover, it looks pretty awesome from the outside even. Will it require a fee to use like the old state gym, or will it be open to all students like Lied is?
Open to all students like Lied.
Originally Posted by CycloneNorth
Open to all students like Lied.
I was hoping the opening would be delayed again so I don't have to pay the recreation fee that I never use because I don't live on campus.
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Soul Hackers {Now Recruiting}
View Single Post
November 27th, 2010 (12:49 PM).
Music Remixist
Join Date: Nov 2010
Location: United States
Gender: Male
Nature: Relaxed
Posts: 8
Skills: Music composition, Music Remixing, Competitive Battling
Proof of work: Check my youtube page, Rockxero77
Past experience: Self explanitory
Contact information: PM me here or on Youtube.
Don't really know if you need music, but I see music inserter in the jobs you already have, so maybe you'd like some music to insert!
Plus, the game sounds kind of dark, and sad, dark music is my specialty :D
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The volume of small business lending backed by the U.S. Small Business Administration in the Bay Area reached an all-time high during the last fiscal year, and volume for such loans in three North Bay counties grew by more than one-third.
Bay Area lending through the SBA's main programs, 504 and 7(a), totaled $1.2 billion, defying expectations that the sunset of temporary perks would cause levels to dip, compared with fiscal year 2011.
That trend extended to the North Bay. Combined financing dollar volume for small businesses in Sonoma, Marin and Napa counties increased 36.6 percent to more than $108.3 million in the fiscal year that ended Sept. 30. Comparable data wasn't immediately available for Solano, Mendocino and Lake counties.
In Sonoma County, 102 loans totaling $68 million went to small businesses through the 7(a) and 504 programs; in Marin, 43 loans for $12.3 million; in Napa, 32 loans for $28 million; in Solano, 36 loans for $25.4 million; in Mendocino, 10 loans for $4.7 million; and in Lake, six loans for $1.4 million.
"We're the only district office that set a record in California," said Mark Quinn, district director for the SBA's San Francisco office, which oversees the North Bay. "I was surprised. In the rest of the country, volumes dropped off slightly."
Nationally, it was the second-largest dollar volume ever for loans backed by the SBA, with $30.25 billion in loans funded during the fiscal year. The all-time record, $30.5 billion in fiscal 2011, was due in part to temporary incentives that allowed the agency to guarantee up to 90 percent of a 7(a) loan's value to a lender in event of a default.Surge in 504 loans
The near-record volume for fiscal 2012 was driven in part by a surge in demand for loans through the SBA's 504 program. Those loans, which include a portion secured by a certified development company plus a mortgage from a traditional lender, are typically used to provide long-term, fixed-rate financing for the purchase of large tangible assets.
Until the end of the fiscal year, the same structure was also available for refinancing existing loans, requiring as little as 10 percent down and allowing significant extraction of remaining equity for reinvestment into business operations.
The popularity of those provisions helped to launch Walnut Creek-based Bay Area Development Co. to the most active SBA lender in the North Bay, providing the government-backed portion for $24.8 million in 504 loans in Sonoma, Napa, Solano and Lake Counties. Nine of the company's 28 North Bay loans were for refinancing purposes.
"The biggest overall factor in increasing the number of companies that we could assist and the dollars that we could lend was due to the refi program," said Jim Baird, CEO of Bay Area Development Co.


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Edit Article
How to Throw a Vulcan Change
This pitch works very well and it has a slight drop to it.
This article has been tagged as a stub.
That means it's off to a good start, but still has room to grow into a more helpful resource. Until the article reaches its full potential, it will be hidden from search results. Can you help it flourish? If you think the article offers complete and accurate instructions, feel free to remove this tag.
1First off you grip the ball with your middle and ring finger spread wide apart.
2Hold the ball deep in your hand like any other change up.
3Throw the ball like normal.
Community Q&A
Ask a Question
- Don't change your arm speed as this will give it away.
- Always stretch before throwing.


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Hello, I am on Windows XP Pro, and I wanted to know a way on how to import my Incredimail contact into my Outlook XP contacts? Can anyone help me out, thank you.
Hello, I am on Windows XP Pro, and I wanted to know a way on how to import my Incredimail contact into my Outlook XP contacts? Can anyone help me out, thank you.
There's no such thing as "i can't" there's only "i don't know how"...
Try this method to import your IncrediMail Contacts into the Outlook Express Address Book
Save your IncrediMail address book to a .csv file.
It's usually best to save the "IncrediMail Exported Contacts (csv format).csv" file to your Desktop.
Open Outlook Express.
Select Tools | Address Book... from the menu.
Now choose File | Import | Other Address Book... from the address book's menu.
Highlight Text File (Comma Separated Values).
Click Import.
Now click Browse ....
Highlight the "IncrediMail Exported Contacts (csv format).csv" file on your Desktop.
Click Open.
Now click Next >.
Double-click the E-mail text field.
Choose E-mail Address from the Select an address book field for the text field: E-Mail drop-down menu.
Make sure Import this field is checked.
Click OK.
You can change other mappings from address book fields in IncrediMail to corresponding fields in Outlook Express as well.
Click Finish.
Now click OK and Close.
Source: email.about.com
If you can save them as a file, certainly. txt and csv are two that will work well with Outlook. I prefer csv. If you are trying to import the contact export the incredimail file as a csv file, save it, and import it to outlook.
Did you try the importing the mails from the outlook window?
There are programs you can buy that will export Incredimail messages as EML files, which you can then load into Outlook Express and from there export to Outlook (like Incredimail Backup Pro from http://www.koyotesoft.com/indexEn.html). There is also a freeware IncrediConvert available at http://rauno.com/ic.zip which is supposed to convert from Incredimail to CSV as well. It works only on Windows 2000/XP, however. Incredimail contacts are easier because it will export then in CSV format, which Outlook can import.
Hello everyone...im trying to export my Incredimail Contacts into my Outlook 2007....the above directions do not work with 2007....any directions for exporting into Outlook 2007 ??
Thanks guys for any help !!
If you can save them as a file, certainly. txt and csv are two that will work well with Outlook. I prefer csv..
You can also use a third party software to get your contacts to Outlook 2007.
Can you suggest a good third party....ive tried a few with no luck.
Thanks for your help !!
You get some good third party converters


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Preparation Stock Photo25-29 Years,Adult,Adults Only,Anticipation,Beautiful Woman,Beauty,Caesarean Section,Caucasian Ethnicity,Color Image,Day,Focus On Foreground,Front View,Hazel Eyes,Healthcare And Medicine,Hope - Concept,Hospital Gown,Human Fertility,Indoors,Looking At Camera,Medium-length Hair,One Person,One Woman Only,One Young Woman Only,Only Women,Operating Room,People,Photography,Portrait,Pregnant,Redhead,Sitting,Tacoma,USA,Vertical,Waist Up,Washington State,Young AdultPhotographer Tanya LittleCollection: Moment Open Tanya LittleYoung mother preparing to go to the operating room for her third cesarean section--at St Joseph Medical Center in Tacoma, WA


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Pinnacle Rock closeup
Looking at a Galapagos Island from Kicker Rock
Wave cut terrace at base of Kicker Rock
Kicker Rock passage
Weathered volcanic rock at Kicker Rock
Kicker Rock in the afternoon sun
Western end of Kicker Rock with an eroded valley
Footsteps and crab burrows at Cerro Beach.
Lava cactus (Brachycereus nesioticus) growing up from volcanic rock. The first flora on this newly formed part of our earth's crust.
Unique flora of the Galapagos Islands
Unique flora of the Galapagos Islands growing from iron-stained volcanic rock.
Vertical leaved succulent plant
Green iguana (Iguana iguana)
Arenal Volcano
Northern jacana birds (Jacana spinosa) patrolling for unsuspecting creatures to eat
Arenal Volcano seen above the rain forest.
Costa Rican rain forest.
A giant albatross statue.
Possibly a palace or temple complex
Flowers in bloom in Hainan Province
Stuff for sale
A giant nautilus statue.
Marine iguanas
Apparently "Kilroy was here" signs in a controlled area of the Galapagos Islands
The beacon light at Plaza Island.
Cruise ship DELFIN II in the Galapagos. Sea lions in the foreground.
Eco-tourists with carmera s and packs debarking from skiff from cruise ship on boulder breakwater.
Red Sea sunset.
Ben Mieremet riding a camel.
Plastic litter finds its way into the Gulf of Aqaba and lines a cobble beach.
The temple at Angkor Wat
Mount Teide on Tenerife from above the tree line.
Volcanic terrain high on the Tenerife caldera.
Desert flora living above the tree line on Tenerife.
Views of Antwerp.
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