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© Rexam 2016
The Combined Code on Corporate Governance 2003 (the Code) contains main principles, supporting principles and provisions concerning corporate governance. This report, together with the Directors' Report and the Remuneration Report, provides a summary of the Group's procedures for applying the main and supporting principles of the Code and the extent to which such principles have been applied. The Company is committed to high standards of corporate governance. The Group's governance policies are monitored by the Board and kept under constant review and, in doing so, the Board has considered, in advance of the commencement date, the principles and provisions in the revised Combined Code published by the Financial Reporting Council in June 2006.
Throughout the year ended 31 December 2006 the Company has complied with all of the provisions of the Code with the exception of a short period in 2006 when the Company did not comply with the provisions on Board balance, as explained under the section 'Board balance and independence' in this report.
The Board's primary role is to provide entrepreneurial leadership and to develop a coherent long term strategy for the Group. Its other roles are to supervise the management, to maintain control over the Group's assets and to establish high ethical standards of behaviour, together with developing robust corporate governance and risk management practices and procedures.
The Board monitors the performance of management and aims to ensure that the strategy, policies and procedures adopted are not only in the long term interest of shareholders but also meet the needs of Rexam's customers, employees, suppliers and the local communities in which Rexam operates.
Matters referred to the Board are considered by the Board as a whole and no one individual has unrestricted powers of decision. There are well documented procedures and controls, including a formal schedule of matters that require the Board's specific approval and is reviewed annually. This provides the framework for the decisions to be taken by the Board and those which can be delegated to committees of the Board.
|All Board appointments and removals
|The appointment and removal of principal advisers and external auditors
|Changes to the Group's management and control structure
|Matters relating to the Company's share listing
|The Group's strategy, including the acquisition and disposal of businesses
|High level financial decisions
|All capital expenditure projects over £10m or any capital expenditure project which, regardless of the amount, does not meet the Group's financial criteria
See further details on internal control.
There were ten Board meetings during 2006. All directors were present at each meeting with the exception of the meeting in April when Noreen Doyle was unable to attend, the meeting in May when Carl Symon was unable to attend and the meeting in September when Michael Buzzacott was unable to attend. Where a member of the Board cannot be present at a meeting, he or she receives a full copy of the agenda and the accompanying papers in advance of such meeting and is given the opportunity to comment on the matters to be discussed.
The names of the members of the Board committees are set out in the Directors and officers section, together with details of their terms of reference and of the meetings held during the year. The Board committees have authority to make decisions according to their terms of reference which can be found online at www.rexam.com.
During the year Rolf Börjesson met with the non executive directors three times to discuss Board related issues on a less formal basis. The Chief Executive was present at two of the meetings. Their discussions covered areas including Group performance, strategy and succession planning.
The Group's global insurance programme is reviewed annually and appropriate insurance cover has been obtained to protect the directors and senior management in the event of a claim being brought against any of them in their capacity as directors or officers of the Company or its subsidiaries.
Rexam has a non executive Chairman and a Chief Executive Officer. There is a clear division of responsibility between the positions, with the Chairman responsible for the running of the Board and the Chief Executive Officer responsible for the executive management of the Company and the running of the Group's business.
The written job specifications for the roles of Chairman, Chief Executive Officer as well as that of the senior independent director, are reviewed annually by the Nomination Committee.
Rolf Börjesson spends, on average, two days per week in his role as Chairman. He is also Chairman of Ahlsell AB, and a non executive director of Avery Dennison Corporation and Svenska Cellulosa AB. The Board considers that his external directorships do not make conflicting demands on his time as Chairman.
As disclosed in the 2005 Report, Carl Symon became senior independent director when Christopher Clark retired on 8 February 2006. Carl Symon is available to talk to shareholders if they have any issues or concerns. He is Chairman of HMV Group plc and the BT Group Equality of Access Board, and a non executive director of BT Group plc and Rolls-Royce Group plc. The Board considers that his external directorships do not make conflicting demands on his time as senior independent director.
Lars Emilson retired as Chief Executive and an executive director of the Company on 1 February 2007. He was succeeded by Leslie Van de Walle who was appointed as an executive director on 17 January 2007 and became Chief Executive Officer on 1 February 2007. Leslie Van de Walle's career summary can be found in the Directors and officers section and the Board believes that his global experience in beverage and food retail along with his international business to business background will be of great value to continue Rexam's strategy for growth and leadership in its chosen markets. Leslie Van de Walle is a non executive director of Aegis Group plc and the Board believes that this external directorship does not make conflicting demands on his time as Chief Executive Officer.
Following the retirement of Christopher Clark on 8 February 2006 the number of non executive directors, excluding the Chairman, fell to three until the appointment of Noreen Doyle as a non executive director on 22 March 2006. The Company did not have a balance of independent non executive directors on the Board for the period 8 February to 22 March 2006 and therefore did not comply with provision A.3.2 of the Code during that period. At all other times during the year and at the date of this report the Board balance has been in compliance with the Code.
The Chairman, Rolf Börjesson, was not considered to be independent as at the date of his appointment on 25 May 2004 as he had previously been Chief Executive of the Company. The Company's major institutional shareholders continue to be fully supportive of his appointment as Chairman.
|Chairman (with no executive responsibilities)
|Executive directors
|Non executive directors
The Board works as a team, but independence of thought and approach is encouraged. Directors of different nationalities with international business backgrounds have been appointed as a majority of Rexam's activities are overseas. Influence is balanced within the Board by virtue of the strong independent elements of a non executive senior independent director and a further five non executive directors whose skills and wide international business experience are invaluable in constructively challenging and developing the Group's strategy and direction. The Board is aware of the other commitments of the non executive directors and considers that these commitments do not conflict with their duties as directors of the Company.
David Tucker was appointed as a non executive director on 22 May 1997. Following a performance evaluation and rigorous review in 2005, the Board strongly believed that David remained independent and that his extensive knowledge of institutional shareholder and governance related matters, and his insight into the strategic aims of the Company, enabled him to continue to provide an important and valued contribution to the Board. The Board recommended and shareholders approved at the Annual General Meeting (AGM) 2006 that David be re-elected as a non executive director for a further one year term. David will retire from office at the AGM 2007.
A biography of each member of the Board and details of their other directorships are given in the Directors and officers section.
The Board evaluates the membership of its individual Board committees on an annual basis and aims to ensure that the principal committees have different non executive directors as chairman.
Recommendations for appointments to the Board are the responsibility of the Nomination Committee. The majority of the members of the Committee are independent non executive directors. The Committee regularly reviews and considers the ongoing membership of the Board, sets job descriptions and objective criteria for Board and senior executive appointments and succession planning. The terms of reference set out more fully the responsibilities of this Committee and can be found online at www.rexam.com.
All new Board appointments are conducted through a formal, rigorous and transparent procedure between the Group Director Human Resources, the Nomination Committee and the Board. The Committee has responsibility for succession planning and, in doing so, identifies through the management review process any internal people whose skills, experience and contribution to the Group would potentially benefit the Board. The Committee reviews membership of the Board on a regular basis and will discuss possible internal candidates and Board positions with the Group Director Human Resources. If it is decided that an internal rather than an external appointment would be in the best interests of the Board, the Committee meets with the prospective candidates who are then considered and, if appropriate, one is recommended to the full Board for approval.
For the appointment of external candidates to the Board, the Nomination Committee instructs and works alongside recruitment consultants to evaluate and meet prospective candidates who are then considered and, if appropriate, are recommended to the full Board for approval. This procedure was followed in 2006 leading to the appointment of Leslie Van de Walle as Chief Executive Officer.
During 2006, a similar process was followed in conjunction with an independent search consultancy to identify potential non executive directors. The Committee recommended and the Board approved the appointments of Noreen Doyle, Jean-Pierre Rodier and Wolfgang Meusburger as non executive directors.
For each scheduled Board meeting the Chairman and the Company Secretary ensure that, during the week before the meeting, the directors receive a copy of the agenda for the meeting, Group and business financial and operating information to ensure that they are properly apprised of the Group's current performance and information on any other matter which is to be referred to the Board for consideration. The directors also have access to the Company Secretary for any further information they require. In the months where there is no scheduled Board meeting, the directors receive the prior month and cumulative Group and business financial and operating information. If there is any urgent business to be considered in these months and the subject of the business can be communicated by a written paper, the Board may be asked to give their approval by means of a written resolution.
All newly appointed directors participate in an extensive internal induction programme that introduces the director to the Group and includes visiting various Group businesses. Newly appointed directors who have not previously held a directorship in a UK listed company are also given external training which focuses on their role on the Board. They attend an Institute of Directors course, entitled 'Understanding the Board' which covers the role and effectiveness of a director, the role of the Board and the legal responsibilities of a director. The Company Secretary gives guidance on Board procedures and corporate governance. All directors receive ongoing training and members of the Committees receive specific updates in matters that are relevant to their role. For example, members of the Audit Committee have received information on the UK Listing Authority's Disclosure and Transparency Rules.
The Chairman arranges for the directors to visit at least one of the Group's business locations and customer sites each year to ensure that their technical knowledge, skills and familiarity with the Group's operations are updated and maintained. During 2006, the Board visited the Beverage Can business in Recife, Brazil and the Make Up business in Jundiai, Brazil. Whilst in Brazil, the Board were invited to visit a Carrefour hypermarket and a Coca-Cola bottling plant. The Board also visited the Plastic Packaging Home & Personal Care businesses in the US in Chicago, Illinois and Hot Springs, Arkansas. Additionally, each member of the Group Management Committee (GMC) with responsibility for the Group's businesses makes a presentation at a Board meeting about their businesses, suppliers, customers, markets and strategy.
The Company Secretary, who is appointed by the Board, is responsible for ensuring compliance with Board procedures. This includes taking minutes of the Board meetings and the recording of any concerns relating to the running of the Company or proposed actions arising therefrom that are expressed by a director in a Board meeting. He is also secretary to the Audit, Nomination and Remuneration Committees. Under the direction of the Chairman, he is responsible for the communication of relevant information between the Board, the GMC and senior management. The Company Secretary is available to give ongoing advice to all directors on Board procedures, corporate governance and regulatory compliance. Should a director reasonably request independent professional advice to carry out his duties, such advice is made available to him at the Company's expense.
During 2006 the Board experienced various changes following the retirement and appointment of non executive directors and the announcement of a successor to Lars Emilson as the new Chief Executive Officer. The Chairman of the Board undertook a performance evaluation of the Board and its members during 2006 and, as part of the evaluation, the directors completed evaluation forms on the basis shown below.
|Board committees
The Chairman carried out a review of the completed evaluation forms and reported the results of the evaluation process to the Board. The Board discussed the results and confirmed their continuing satisfaction with the effectiveness of the directors' contribution and commitment, and of the Board and Board Committees as a whole. It was agreed that the evaluation process had been both constructive and informative and that positive progress had been made on many of the issues raised in the 2005 evaluation process. Whilst the most recent review did not identify any significant issues of concern, some areas for development and improvement were raised; including the need for more time to be spent on in depth strategic debate, greater focus on succession planning and talent management and more external input on specific issues requiring more than an internal perspective. With regard to the Board Committees, it was agreed that now that the number of independent non executive directors has risen to six it is no longer necessary to have all non executive directors on all Committees. The directors' assessment of the Chairman's leadership of the Board continues to be positive.
It was agreed that a full performance evaluation of the Board would continue to be conducted annually and that the 2007 review would be the first opportunity to include all of the newly appointed directors who will by then have had an opportunity to form views as to the performance of the Board and Board Committees. It was agreed that Carl Symon, in his capacity as senior independent director, would carry out a fuller evaluation of directors' views of the Chairman during the 2007 Board evaluation process.
Article 57 of the Company's Articles of Association states that a director should be proposed for election if he or she has been appointed to the Board since the date of the last AGM, or proposed for re-election if he or she has held office for more than 30 months at the date of the notice convening the next AGM. The Board ensures that each executive and non executive director be required to submit himself or herself for re-election by shareholders at least every three years.
Non executive directors serve the Company under letters of appointment which are generally for an initial three year term. On appointment, an undertaking is requested from the non executive director to ensure that he has sufficient time to fulfil his role on the Board. The continued appointment of any non executive director who has served on the Board for a period in excess of nine years will be subject to annual re-election at the AGM.
The Board will only recommend to shareholders that executive and non executive directors be proposed for election or re-election at an AGM, in accordance with the Articles of Association, after evaluating the performance of the individual director. At the AGM 2007, the following directors are being recommended by the Board and will be proposed for election or re-election.
|Leslie Van de Walle
|Chief Executive Officer
|Michael Buzzacott
|Non executive director
|Wolfgang Meusburger
|Non executive director
|Jean-Pierre Rodier
|Non executive director
|Carl Symon
|Non executive director
The directors being recommended for election at the AGM 2007 all have invaluable knowledge and experience to influence the Group's strategy for growth and leadership in the consumer packaging industry. Leslie Van de Walle is being proposed for election as he has experience in beverage and food retail along with an international business to business background. Wolfgang Meusburger has many years experience in the fast moving consumer goods industry and a good understanding of how to develop businesses. Jean-Pierre Rodier has international business experience and an extensive knowledge of the packaging and aluminium industries.
Michael Buzzacott and Carl Symon are being recommended for re-election at the AGM 2007 following a performance evaluation. Both directors bring to the Board a respected knowledge of the manufacturing and service industries in which they participate and they continue to make a valuable contribution to the Rexam Board.
The following sections on directors' remuneration should be read in conjunction with the Remuneration Report.
The Board recognises the importance of executive directors' remuneration not only to motivate and retain the individuals concerned, but also in the wider context both within the Group and in comparable geographic and business areas. In addition to basic salary, benefits in kind and retirement benefits, executive directors' remuneration is composed of both short term and long term elements that are related to Group and business performance. There is also a requirement in accordance with their contract of employment for executive directors to build up shareholdings in the Company following the exercise of share options to encourage them to align with the interests of shareholders.
Fees for non executive directors are determined having regard to current market practice and the time spent on Rexam's behalf. They are not required to hold shares in the Company and do not participate in any incentive or share option schemes. Information as to directors' basic salary, benefits in kind, short and long term incentive arrangements and retirement benefits is disclosed in the Remuneration Report.
The Remuneration Committee, which is chaired by the senior independent director, consists of independent non executive directors and determines remuneration levels and specific packages appropriate for each executive director, taking into account the Group's annual salary negotiations. No director is permitted to be present when his own remuneration is being discussed, nor to vote on his own remuneration. The Remuneration Committee considers that the procedures in place provide a level of remuneration for the directors which is both appropriate for the individuals concerned and in the best interest of shareholders.
The remuneration of the Chairman and senior independent director is determined by the Remuneration Committee (the Chairman or senior independent director absenting himself from the discussions and vote) and non executive directors' fees are recommended by the Chairman and Chief Executive Officer and approved by the Board.
The intention of the Annual Report and the Interim Report is to provide a clear assessment of the performance and prospects of Rexam. The Company prepares a full Annual Report and an Annual Review. The Annual Review qualifies as a Summary Financial Statement and condenses the information contained in the Annual Report. Shareholders who have not requested the Annual Report will receive the Annual Review. In the Annual Report, following their annual audit, the Company's auditor includes an independent report to members. The Interim Report includes a review report to the Company prepared by the Company's auditor.
For 2006 the Annual Report contains a Business Review which aims to summarise the Group's business strategy, objectives, strategic risks and financial and non financial performance. Read the Business Review.
There is an ongoing process which has been in place during 2006 and up to the date of this report for identifying, evaluating, managing, monitoring and reporting the risks faced by the Group. This formal process, managed through the use of Audit and Risk Committee (ARC) meetings, is the responsibility of all of the Group's businesses and is overseen by the Finance Director and head of Internal Audit. ARC meetings are held with management to review the results of their internal risk assessments and such meetings include the continuing evaluation and development of the process for reviewing the effectiveness of the Group's system of internal control which includes all aspects relating to financial, environmental, social and governance related matters.
During 2006 the process was further refined with the introduction of risk register forms to give more detailed reporting of the methodology used to quantify the risks identified, trend analysis and the use of key performance indicators (KPIs) to help measure and assess the benefits of mitigation steps taken to manage the risks.
ARC meetings also include the results of internal audit activity covering the financial controls and risks as well as the physical risks (health, safety and environment) of all operations in the Group. The results of this process are reported to the Audit Committee by the Finance Director and the head of Internal Audit providing an opportunity for that Committee to discuss and analyse the risks reported.
In particular, and in accordance with the Turnbull Report guidance referred to below, the ARC was advised of the discovery of a leak in the underground system for a solvent used for cleaning metal parts at the Rexam plant in Annecy, France. Following a detailed assessment of the situation remedial action has been taken as detailed in the Corporate Responsibility section of the Business Review. Through the reporting of the Rexam Audit System the circumstances which gave rise to this incident have been examined. A process has been put in place for the regular examination of pipework used for solvents to reduce the likelihood of this type of leak happening again and all incidents of this nature are to be reported fully at the earliest opportunity so that remedial action can be taken without delay.
Further details of the main risks encountered by the Group are included in the Business Review.
All directors are responsible for establishing and maintaining an effective system of internal control. Whilst all elements of risk can not be eliminated, the system aims to identify, assess, prioritise and, where possible, mitigate the Group's risks. Although no system of internal control can provide absolute assurance against material misstatement or loss, the Group's systems are designed to provide the Board with reasonable assurance that assets are safeguarded, transactions are authorised and recorded properly and that material errors and irregularities are either prevented or detected within a timely period.
The Board, in reliance upon the detailed work performed by the Audit Committee, confirms that it carried out a review of the effectiveness of the system of internal control operated within the Group during 2006 in accordance with the requirements of the Code and the revised guidance issued in October 2005 'Internal Control: Guidance for Directors on the Combined Code' (the Turnbull Report). The Board will continue to carry out such reviews on an annual basis. This review covers all controls, namely financial, operational, compliance and risk management. In order to discharge its responsibilities in this regard the Board has established and regularly reviews the procedures necessary to implement the internal control requirements of the Code.
The framework which the Board has established with a view to providing effective internal control is supported by the following key areas:
The Group has a comprehensive system for reporting financial results to the Board. An annual budget and strategic review are prepared for each business and are consolidated for review by the Board before being formally adopted. During the year, monthly management accounts, including cash flow and capital expenditure reporting, are prepared with a comparison against budget and prior year. Forecasts are revised in the light of this comparison and also reviewed by the Board.
There are clearly defined lines of responsibility and levels of authority in operation throughout the Group, with specific matters reserved for the Board. Businesses are decentralised with operating autonomy and financial responsibility delegated to corporate and local management to the extent that they have approval to operate within acceptable levels of authority and risk.
There are formal written Group financial procedures and controls in operation, including specific procedures for treasury matters and the approval of significant contracts. Corporate and local management are required to complete year end and half year representation letters formally confirming that their businesses comply with the Group's financial reporting policies and other Group policies and procedures.
An internal audit function monitors the accounting and financial risks faced throughout the Group and the control systems in operation to manage these. The findings are reported to the Audit Committee.
An internal risk management function together with operational management are responsible for monitoring the processes within the Group which identify, evaluate and manage the significant health, safety and environmental risks faced by Group businesses. All businesses have introduced an externally verified system of auditing and assessing the ability of their operations to identify, measure, reduce, control and review these physical risks. The results of these audits are reported upon and reviewed by local management, corporate management and the Audit Committee in order to ensure that appropriate action plans are developed and implemented.
The Board has delegated responsibility to the Audit Committee for reviewing an effective system of internal control and compliance, accurate external financial reporting, fulfilling its obligations under law and the Code, and managing the relationship with the Company's external auditor. The Committee members comprise independent non executive directors. The Board is satisfied that David Tucker, chairman of the Committee, who is a chartered accountant with extensive financial experience through his past and present involvement with various listed companies and pension trustee bodies, and Michael Buzzacott, a qualified accountant who has held a number of senior financial positions in BP p.l.c., have recent and relevant financial experience to enable them to discharge fully the duties of the Committee. Michael Buzzacott will succeed David Tucker as Chairman of the Audit Committee on 3 May 2007. Should it be requested, the Committee has access to independent expert advice at the Company's expense.
The Committee approves the appointment of the head of Internal Audit. The annual programme of internal audit assignments is reviewed and approved by the Committee which also ensures that the involvement of the internal and external auditors is co-ordinated.
In 2006 the internal audit function and its performance, effectiveness and relationship with the Company's external auditor was assessed by the Committee and a report was made to the Board. This assessment included both an internal survey of the internal audit's performance and an external review by KPMG LLP of a number of internal audit reviews carried out at significant operations within the Group.
During 2006, the Committee met independently with the Company's external auditor to discuss informally matters of interest. The Chairman of the Committee had meetings with the head of Internal Audit without any other member of management being present.
The terms of reference of the Audit Committee, which are reviewed annually, set out more fully the responsibilities of the Committee and can be found online at www.rexam.com. The performance and effectiveness of the Committee is reviewed as part of the main performance appraisal of the Board and all its Committees.
The Committee meets at least four times a year with representatives of the Company's external auditor. At the request of the Committee's Chairman, the Chief Executive Officer, Finance Director and head of Internal Audit attend for part of each meeting. The first meeting within the annual audit cycle is to consider the nature and scope of the audit and to consider any additional special reviews that may be necessary. Further meetings are held prior to the approval of the interim results and the final results to consider the annual audit, any special reviews undertaken, the business risks facing the Company and findings from the ARC meetings.
The Committee is responsible for reviewing in detail the Annual Report and Interim Report and all other published financial information for statutory and regulatory compliance with a view to their recommendation and submission to the Board. The Committee reports its findings on the audit process and on the wider aspects of internal control to the Board. Additionally, the director of physical risk management and head of Internal Audit meet with the Committee to review and discuss the risk management policy and the commercial, physical and financial control risks faced by the Group.
The Committee has primary responsibility and advises the Board on the appointment, re-appointment and the remuneration of the Company's external auditor. PricewaterhouseCoopers LLP (PwC) has been the Company's external auditor since 2003. During 2006, PwC asked key people in the businesses and at corporate level to assess PwC's ongoing relationship with the Company by completing an online survey. All comments that raised any issues were followed up by PwC through a person independent of the audit function and the findings were reported back to the Committee. The Committee has reviewed the effectiveness of the Company's external auditor and has recommended to the Board that a resolution to re-appoint PwC be proposed at the AGM 2007. The Committee will continue to keep under review the independence and objectivity of the Company's external auditor and the rotation of the audit partners from time to time.
The policy on the provision of non audit services by the Company's external auditor determines the procedures for the pre-approval of such services and the fees paid for those services. The scope and extent of non audit work undertaken by the Company's external auditor is monitored by and, above certain thresholds, requires prior approval from the Committee to ensure that the provision of the non audit services does not impair their independence or objectivity. The Company's external auditor is prohibited from providing services to the Company that would be considered to jeopardise their independence such as financial systems design and implementation, actuarial services, internal audit outsourcing services and investment services.
The Committee also reviews the Company's external auditors' reports on accounting and control matters, the Company's statement on internal control systems and, if requested to do so, the annual financial statements of the relevant Group pension funds.
The Board believes that good communication with shareholders is a priority. There are programmes for the Chief Executive Officer and Finance Director to meet with the Company's investors in the UK, US and Europe and presentations are made on the operating and financial performance of the Group, including corporate governance related matters, and its longer term strategy. Roadshows are held in the UK, US and Europe immediately after the announcement of the final and interim results. If it is not possible to arrange face to face meetings, meetings are held by telephone conference. The slide presentations made to representatives of the investment community following the announcement of the final and interim results are available online at www.rexam.com, as is a webcast of the related results presentation.
The non executive directors are given regular updates as to the views of institutional shareholders. A report on investor views and comments about the Company is prepared by a third party researcher, normally from the Company's brokers, after investor meetings and a summary report is presented to the Board for information.
The Chairman and senior independent director are available to meet with institutional shareholders should there be unresolved matters that such shareholders believe should be brought to their attention. The non executive directors meet with shareholders at the AGM and may attend analyst presentations made by the Chief Executive Officer and Finance Director following the final and interim results announcements. On the appointment of a new non executive director, institutional shareholders may request an opportunity to meet with the new non executive director.
The Board fully supports the principle of the Code which seeks to encourage more active interest and contribution from institutional shareholders.
The principal communication with private shareholders is through the Annual Review, the Annual Report, the Interim Report and the AGM which is held at a central London location. The notice of the AGM and any related papers are posted to shareholders with the Annual Review or, if requested, the Annual Report at least twenty working days before the date of the AGM to ensure that shareholders have sufficient time in which to consider the items of business to be approved. All shareholder documents can be viewed online at www.rexam.com.
A presentation is made at the AGM to facilitate greater awareness of the Group's activities. Shareholders are given the opportunity to ask questions of the Board and the Chairman of each Board committee during the AGM and meet all the directors informally after the AGM. Separate resolutions are proposed for each item of business and the 'for', 'against' and 'vote withheld' proxy votes cast in respect of each resolution proposed at the Meeting are counted and announced after the shareholders present have voted on each resolution. A summary of the number of proxy votes cast in respect of each resolution is available to shareholders at the conclusion of the AGM and it is also published on the Company's website. Following the Annual General Meeting 2006, a summary of the questions and answers raised at the Meeting was posted on the Company's website. An announcement confirming whether each of the resolutions were passed at the AGM is made through the London Stock Exchange.
Financial and other information is available online in a comprehensive Investors section at www.rexam.com.
The Company's ADR programme trades through Nasdaq. Rexam is subject to minimum disclosure requirements as the ADR programme has been in existence for numerous years and is not required to file a 20-F with the US Securities and Exchange Commission (SEC) or to comply with other SEC reporting requirements.
During 2006 the Group reviewed its reporting of environmental, social and governance policies and performance and created a comprehensive Corporate Responsibility (CR) section on its website. The website gives access to policy documents, case studies and facts and figures underlining Rexam's involvement and commitment in this area. The Group has identified four main areas – Environment, Our People, the Community and Governance – as the basis of its CR programme going forward.
Historically, and underpinning its approach to CR, Rexam has a longstanding set of environmental management programmes and policies in place and is committed to the protection of the environment and the minimisation of the environmental impact of its operations and products. Additionally, the social impacts of its business on employees, surrounding communities, suppliers, customers and stakeholders, and its responsibilities towards society in general have the highest priority. The continuing focus by institutional investors, the Government, charitable institutions and the media on CR encompassing social, environmental and ethical issues is acknowledged by the Board.
More specific details of the Group's initiatives and commitment to CR can be found in the Corporate Responsibility section of the Business Review and in the CR section of the Rexam website, www.rexam.com.
A worldwide code of conduct, which applies to all the Company's employees, has been agreed with the Board and provides a clear statement for the benefit of stakeholders involved with or impacted by Rexam's activities. The code of conduct was communicated throughout the Group during 2005 and continues to be communicated through the new starter induction process, as part of the team briefings in the Group's businesses, and on the Group's intranet and website. The Board is kept informed regarding the maintenance of the code of conduct.
Rexam's whistle blowing policy is supported by an external confidential telephone helpline, available to all employees for the submission of any concerns, including those of a financial nature.
The telephone helpline, known as Raise Your Concern, has been beneficial as an independent point of contact for employees and, if requested, the anonymity of the employee is maintained. During 2006, 34 concerns have been logged and investigated, raising matters, in the majority of cases, related to company issues and practices concerning the Group's code of conduct, none of which have related to fraud.
Any concerns reported are investigated at the earliest opportunity by the head of Internal Audit, in conjunction with the Company Secretary and, if appropriate, by management of the respective business.
The head of Internal Audit provides reports to the Audit Committee on the concerns raised and the action that has been taken. This report forms part of the Committee's annual evaluation and review of the whistle blowing policy.
The directors, having made appropriate enquiries, are satisfied that Rexam PLC and the Group have adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the consolidated financial statements.
In addition to regular scheduled Board meetings, the Company operates through various Board committees. The Chief Executive Officer's Committee, whose members are the Chief Executive Officer and any two other directors, has responsibility to approve certain matters above established financial limits other than those specifically reserved for the Board. The other committees and their main terms of reference are set out below.
Membership of the Audit and Remuneration Committees is restricted to the independent non executive directors. Where applicable, the date on which a member was appointed to or resigned from a committee is given.
The main terms of reference of this Committee are set out in the section Audit Committee and Auditor. The Committee met four times in 2006 and all members of the Committee in office at the date of each meeting were present.
The main terms of reference of this Committee are to oversee and report to the Board on financial risk management strategy, policy and treasury transactional matters. Additionally, the Committee assists the Board in reviewing and approving major financial transactions, including currency exposures and interest rate management. The Committee holds at least two scheduled formal meetings each year with full attendance to discuss matters of policy. Additional meetings are held during the year as necessary for which the quorum is three members, one of whom must be either the Finance Director or the Director Group Treasury. In 2006, the Committee held three formal meetings and also met several times each month for routine business. All members of the Committee in office at the date of each formal meeting were present.
The main terms of reference of this Committee are to review regularly the structure, size and composition of the Board and make recommendations to the Board on the role and nomination of directors for appointment to the Board, Board committees and as holders of any executive office. The Committee is also responsible for assessing the role of the Chairman and making appropriate recommendations to the Board, and assisting the Chairman with the annual performance evaluation to assess the overall and individual performance and effectiveness of the Board and Board Committees.
The Committee met seven times in 2006 and all members of the Committee in office at the date of each meeting were present, with the exception of the September meeting when Michael Buzzacott was unable to attend. He received a copy of the agenda and the papers for the meeting and had an opportunity to comment in advance of the meeting.
The main terms of reference of this Committee are set out in the Remuneration Report. The Committee met seven times in 2006 and all members of the Committee in office at the date of each meeting were present, with the exception of the September and October meetings when Michael Buzzacott was unable to attend. He received a copy of the agenda and the papers for the respective meetings and had an opportunity to comment in advance of the meetings.
The main terms of reference of this Committee are to review and make recommendations to the Board on the Group's retirement and post retirement benefit arrangements including the control and funding of such arrangements. It considers and reviews external advice received in respect of investment strategy, global asset allocation and funding levels. It also works with and assists the Remuneration Committee in determining individual pension packages for the executive directors and other senior executives.
The Committee met four times in 2006 and all members of the Committee in office at the date of each meeting were present, with the exception of the March 2006 meeting when Rolf Börjesson and Frank Brown were unable to attend. Both received a copy of the agenda for the meeting and had an opportunity to comment in advance of the meeting.
The main terms of reference of this Committee are to grant options to employees over ordinary shares in the Company under the savings related share option schemes and to allot shares under the savings related share option schemes and the executive share option scheme.
A Chairman is elected at each meeting and the quorum is two members, one of whom must be a director. The Committee met at least fortnightly in 2006.
The Board delegates the management of the Group to the Chief Executive Officer and the executive directors. The Chief Executive Officer chairs the GMC which consists of the executive directors and senior corporate and business management as shown in the Directors and officers section. Whilst the GMC is not a committee of the Board, the Chief Executive Officer reports on its work and activities to the Board. The GMC met seven times in 2006.


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In this economy, layaway is in vogue Tampabay.com, FL - 2 hours ago Consumer credit is getting tighter at a time when rising joblessness, foreclosures and prices make it harder to pay off credit card debt . ... Read More »
Credit crisis hits even people not late on bills
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In China, it's pay up ... or else Seattle Times, United States - 41 minutes ago Since then, he has pared his overall credit card debt to $2900. "I am so ashamed," Deng said. "I have no face to meet my father. When I look back, ... Read More »

subset: commoncrawl


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The 2014 Winter Olympics medal count for February 14, is impressive. It's almost midway through the competition and many more sporting events are to come at the Sochi Olympics, but the fans have seen Team USA pick up some serious hardware. According to SB Nation on Friday, United States has tied Norway for the top position on the medal count list. Currently American athletes have won 13 medals in Sochi. Team USA has four gold, three silver and six bronze medals at the end of the competitions on Valentine's Day.
It appears that Friday's competitions brought some speed to the athletes and the hardware got a little bit easier to acquire. American Noelle Pikus-Pace's silver medal in the skeleton earned the U.S. its 13th medal in Sochi. Before the weekend began with new events, the Americans tied Norway for the most medals among all participating countries.
While the focus might be how many medals Team USA wins overall, the fans are cheering on each and every athlete during the competition. Whether it is first place or last, the opportunity to represent the United States is impressive to everyone watching back home.
Take a look at the photo slideshow of the medal count for the 2014 Winter Olympic Games. See who has won for America! And take a look at the moment in history. Obviously those smiles are for the monumental achievement accomplished. The athletes have faced so much training and dedication to their sport that now they can sit back and enjoy the moment. Go Team USA!


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Dr. John Hittinger, professor of philosophy, received a letter signed by Cardinal Pietro Parolin, the Vatican secretary of state, naming him an ordinary member of the Pontifical Academy of St. Thomas Aquinas in May. Read more
Much has been written on parenting and raising children; however, few books consider the most important aspect of the child. This is exactly what Linda Hitter's book, "Recovering the Virtues for Families" does. The book is written from the perspective of the soul of a child. Read more
Recent Philosophy graduate Kelsey Boor '14 believes the soul's needs are important, and is going to France and Chile, with the Fraternity of St. Joseph the Guardian, as a missionary for a year to do parish work and serve those who don't have access to the sacraments. Read more
For Anthony Calleo, the proud owner of Pi Pizza Truck and Sandy Witch Sandwich Company, a liberal arts education set him down the path to realizing his childhood dream of opening a pizza joint. Read more
Assessment in large part will be done in connection with the Senior Seminar, which is required of all majors.
Our Philosophy Department offers an undergraduate degree, a graduate degree and a five-year B.A./M.A.
Philosophy, B.A.
Philosophy, B.A./M.A.
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Course Catalog
What can I do with this major?
Please contact the Philosophy Department for scholarship information.
Dr. John P. Hittinger, Chair
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Dr. Terry Hall
Dr. Rollen Edward Houser
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Dr. John F. X. Knasas
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$10K Scholarships Offered for New Leadership Minor6/10/2016
The Center for Ethical Leadership will begin awarding ten $10,000 scholarships to...
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Users of the Python have been ecstatic about its convenience.
Here's what Python users are saying:
"The Python is the best thing to hit the streets in 20 years. Using the Python is as simple as turning the water on and off! Just hook it up on your faucet and off you go. I can fill my 55 Gallon tank in less than 20 minutes, plus it cleans the bottom of my tanks with the greatest of ease. I STRONGLY recommend this to ALL aquarists!"
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Although the energy sector has been volatile, oil refiners' stocks have been on fire in the last year or so.
2011 spinoff Marathon Petroleum (NYSE:MPC) has doubled in the last 12 months vs. a measly 4% rise for its sister company Marathon Oil (NYSE:MRO), which engages mainly in exploration and production. Same for Phillips 66 (NYSE:PSX), up almost 100% since its April 2012 spinoff, while returns at exploration and production stock ConocoPhillips (NYSE:COP) have basically tracked the market with a 13% gain.
Refiner Tesoro Corp (NYSE:TSO) is another doubler in the past year, and Valero (NYSE:VLO) is "only" up about 70%.
The reason for the oil refiners' run is the odd spread between Brent and West Texas Intermediate crude oil prices. U.S. refiners have been getting a discount on WTI of as much as $20 over the last several months, but gasoline has remained costly because pump prices are tied to Brent.
It's an odd situation, but the result is that input costs were way down while sale prices remained high — resulting in very nice margins for refiners.
But now the Brent premium is the narrowest since July, and there is some fear that the shrinking margins will send investors out of these plays. It's not that refiners are going bankrupt now, just that the big payday might be over.
A bigger concern for traders, however, should be the momentum-driven rally, as these picks could swing dangerously the other way once sentiment shifts. Speculators got in for the short-term opportunity, and a mass exodus from this fashionable trade could hold back the picks.
The fundamentals are starting to deteriorate now that the growth is behind us, and year-over-year comparisons are getting harder, with refinery stocks including Tesoro, Valero and PSX all forecasting a 2013 that will feature lower earnings than fiscal 2012.
My advice would be to hold refiners if you've got them in your portfolio, but start getting cautious. If you have a doubler, I would seriously consider taking partial profits off the table and selling a portion of the position, too; a 100% run is a lot to let ride.
New money is probably better served sitting this one out for now, considering the meteoric run for the sector and the threat of narrowing Brent-WTI spreads.
However, it's worth noting that the valuations are attractive — especially for recent spinoffs like Phillips 66 and MPC that are benefiting from their newfound independence. Most refiners including Phillips, MPC, Valero and Tesoro have forward price-to-earnings ratios of less than 10.
So on a pullback? Who knows — it might be hard to pass up one of these picks if the forward earnings multiples get down into the range of 6 or 7, with a nearly 2% dividend as a sweetener.
Related Reading
- A few weeks ago, Jack Hough said refiners shouldn't scare you: Buy high and sell higher. (Barron's)
- The end of pipeline trouble could mean the end of a big Brent-WTI spread. (WSJ)
- Of course, just last week David Moenning was recommending a small refiner stock as a big opportunity. (Nasdaq)
Jeff Reeves is the editor of InvestorPlace.com and the author of "The Frugal Investor's Guide to Finding Great Stocks." Write him at email@example.com or follow him on Twitter via @JeffReevesIP. As of this writing he did not own a position in any of the stocks named here.


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I am considering writing some Perl scripts that interact with Active Directory. Being somewhat new to Perl, I was wondering if there were any specific modules, tools, techniques, etc. that anyone would suggest I use. As of right now, I am only looking to pull user information to process with the script.
The best source of Active Directory example code in Perl is available here. It's from Robbie Allen, the co-author of O'Reilly's excellent Active Directory Cookbook.
Here is an example from their cookbook code:
From what I understand, there are two options:
I don't have much experience with Win32::Ole, may be someone else can elaborate on that a bit.


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National Post ·
Kenny and Spenny are standing by their men. That was the message I got loud and clear when I spoke the other day to one half of the RCMP. (Royal Canadian Madmen Puh-leez!) That would be the half known as Kenny Hotz, on the line to me from Los Angeles.
We were talking about his special pals Trey Parker and Matt Stone from TVland's South Park. Toronto's Kenny and Spenny -- no slackers in the business of edgy telly -- have a kind of mutual admiration society with Trey and Matt.
Can you feel the love tonight? That's the soundtrack of their peculiar friendship. Remember I Love Lucy? Think of Kenny and Spenny as a kind of alternative, modern-day Ethel and Fred to Trey and Matt's Lucy and Ricky. Team America? We don't quite know where it ends and where Team Canada begins.
"People call us North Park," Kenny is often known to say, referring to the hammy, hyper-reality show Kenny vs. Spenny that airs on Showcase. (Indeed, the two shows even moved into kissing-cousins status when Kenny spent some time recently writing for South Park!)
So, anyhow, like I said, Kenny and I were shooting the you-know-what and the conversation, of course, veered to all the Scientology hoopla that has of late encased his very famous American friends. You remember, don't you? All that business about a Tom Cruise caricature captured on South Park in a much-buzzed episode called "Trapped in the Closet." The one that reportedly rattled the Comedy Network in the U.S., and prompted them to scuttle plans to air a repeat of the episode in question. The one that apparently -- or maybe not -- caused South Park regular and primo Scientologist Isaac Hayes to quit the show.
Yup, that whole hoopla.
"They have the biggest f---ing balls in America," Kenny is quick to tell me. "They're the only ones."
"Puritanical" and "stupid" are some of the other words that the cutting-edge clown throws around.
Having been the subject of some censorship themselves -- Kenny says that CBC pulled 13 episodes of their show before they finally up and moved to Showcase -- he sounds like he's got little time for television's nervous nellies.
"Ironically," he says, that very censorship "gave us a cult status."
Funny how that works. Indeed, just the evening before, Kenny had been out on the town with Matt. He's too much of a friend to tell me what the South Parker has to say about the whole controversy. But it doesn't take Oliver Sacks to figure that out!
Not long ago, he does blab, he attended Matt's marriage to a rather lovely damsel named Emma. And by all reports, there was nothing gross-out about the nuptials!
Showcase, by the way, has indeed picked up a whole third season of Kenny vs. Spenny -- a season that, according to Hotz, will "make second season like The Barney Show."
When MuchMusic crowned its new VJ on Monday -- the Kutcher-cute Tim Deegan -- it was not only a good day for CHUM, it was also a good day, apparently, for the Family Values crowd. That's the opinion of vintage VJ Steve Anthony, who enjoyed more air time than he's had for a while serving on the Much VJ search expert panel. "The show," he blogged a few days before the finale, "is bringing Canadian families together. How bold a claim is that?!" One of the reasons Stevie thinks so is because he met some grandparents recently "walking their grandkid" who told him just that!
Clive Owen and Monica Bellucci finally did the deed last Friday! For the love of cinema, but of course!
Here in Toronto shooting a film called Shoot 'em Up, Clive apparently did just that on-set with his Italian-licious co-star, according to a spy. But knowing what the British lad has said before about filming love scenes, it was no doubt just another day at work.
Some years ago, while talking on the record about his on-screen nookie with Keira Knightley in King Arthur, Owen said then: "I've done a number of love scenes and it's often a very technical process. You have to remember that we have a crew of 50 guys standing five feet away and we're all trying to capture certain frames and you've got to fill the frames to get certain images across. So it can be quite technical, and I suppose that takes away some of the awkwardness one might feel in that situation."


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While most of the clothes can be categorized under tropical loungewear, two refreshing collections hinted at a glamorous world beyond all those gorgeous beaches. Apryl Weech of the Bahamas, for instance, produced camera-ready bias shouldered satin and georgette gowns that are perfect for red carpet dressing, while Nikolaki's Nick Verreos (former Project Runway contestant and the week's special guest) showed floor length dresses in luscious silk fabrics that were more classic Hollywood than contemporary casual.
Although these collections enthralled attendees, the most compelling presentations came from designers who managed to infuse their designs with rich cultural heritage without treading too deep into ethnic-chic. One stellar example was Trinidad's Claudia Pegus, who is widely regarded as one of the most talented Caribbean designers. Pegus took West Indian Sea Island Cotton and made it into a collection appropriate for any laidback metropolis in the summer months. Meanwhile, Kevan Hall (another special guest of the week) dedicated his collection to Africa, yielding chic eye-catching pieces such as flowing zebra dresses and printed embroidered dashikis.
The most creative of the week, however, was the sustainability themed eco design competition. Natural materials such as ratan, burlap, straws, raffia and recyclable materials such as newspapers were made into sculpturally wondrous dresses. The competition's winner, Heather Jones of Trinidad, showed an impressive, multi-layered straw dress that came with a brown and beige chiffon skirt.
As the inaugural event, there were a few inevitable kinks to be improved upon—most collections needed editing, many shows started late. Assuming these wrinkles are smoothed by next year, Nassau Bahamas will not only be a destination for its nearby pristine beaches, but also for its spirited, tropical fashions.
—Robert Cordero


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TC TO LADY SANDWICH ; 28 October 1858; DOI: 10.1215/lt-18581028-TC-LS-01; CL 34: 228-229
Chelsea, 28 Octr, 1858—
Dear Lady Sandwich,
I find the Wife here will come to you on Sunday Evg; it is "according to her promise," she says. Nothing remains for us, therefore, but to revoke my rash negative; and say that both of us will be ready when your carriage shall please to arrive that evening,—10 minutes past 7, as we shall guess it to be (dinnerat ¼ to 8);—and you need not write farther, if this is all right.
This change to warmth of atmosphere again will perhaps do you good; wait only till the rain dry away!—
Yours ever truly /
T. Carlyle


text:
A Highland High School graduate attending the University of Akron wants Medina County residents to know people who question the existence of God are all around them.
"We're your neighbors, your co-workers, your boss," Craig Bauman, 24, said. "We're everywhere and we blend in and no one will know unless they ask or we have a conversation about it."
Bauman, an atheist and president of the University of Akron's Secular Student Alliance, said it's important for people to know how prominent secularism is because that helps rid the stigma associated with being nonreligious.
About 11.5 percent of people worldwide identified as atheist or nonreligious in 2010, according to the CIA's World Factbook.
To show their presence, Bauman said his organization has stepped into the spotlight through events like "Ask an Atheist," where people can question atheists about their beliefs or lack thereof, and "Hug an Atheist," where participants can donate money to charity and get a friendly gesture in return.
The alliance also participated in a billboard campaign sponsored by the Freedom From Religion Foundation. Bauman is one of almost two dozen people featured on 11 billboards across Northeast Ohio.
Bauman is seen on a billboard at East Exchange and Goodkirk streets in Akron that reads, "Question everything? You're not alone."
He said the goal of the billboard and events is to get nontheists to feel comfortable enough to come "out of the closet" and be open about their lack of beliefs.
"They're designed to let people know we're here," Bauman said.
For Bauman, being open came naturally.
"I really always thought of myself as being out of the closet as an atheist since I was in fifth grade," he said. "I was raised as Methodist Christian until then, when I sort of had the chance to do some critical thinking on the subject.
"I do have conscious memory believing in him and Jesus, and praying to him that I passed my spelling tests and such."
Bauman said his family isn't very religious anymore, but their beliefs didn't influence him. He said he came to the conclusion on his own.
"I had the same basic questions that every person does who has doubt in their religion," he said.
Throughout middle school and high school, he said he encountered some backlash about his beliefs — such as teachers including prayer or religious doctrine into the classroom or classmates teasing him on the subject.
"The First Amendment makes it very clear that there should be a separation of church and state," he said. "Everybody pays taxes, and if that federal money ever goes toward a religiously embracing institution at all, then I find that extremely unfair for everybody."
Bauman said the separation of church and state is something everyone should be able to agree on.
"All I try to do when I meet someone who disagrees with me (about religion) is to get them to agree with me on separation of church and state," he said. "I know I won't get them to change their mind if they're set, but we can at least agree on that or there's no sense in having a conversation at all."
And he said he's not the only one who thinks that way: The Secular Student Alliance at the University of Akron has about 20 active members, about 500 on its email list and just as many Facebook followers.
"It's important for people to know that the Secular Student Alliance is growing, and so are all the ones in other universities," Bauman said. "People shouldn't have to search to find a group like us."
Contact reporter Nick Glunt at (330) 721-4048 or email@example.com. Follow him on Twitter @ngfalcon.


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Have to recalibrate
Friday, October 05, 2012
I've been mulling things over for quite a while, not updating much here. The fall I took three weeks ago really set me back, not just physically but also emotionally. Reinjury is really demoralizing--this arm has been hurt so many times now. I've been hoping that it would heal itself & I wouldn't have to request yet another round of physical therapy, & it IS better but I still can't straighten my arm. I looked through the pile of printouts of PT exercises from previous rounds, but I couldn't find any that seemed to specifically address the elbow. So I may need to go back, at least for a refresher.
I've let go of regular exercise since 9/12 when I fell. Not good--even with my arm bunged up I can do lower-body ST & fast walking, but I haven't been steady with either. Also I've craved sweets terribly & have given in to the craving rather often. I haven't been able to reward myself with travel savings for quite a while now--& I'm not sure that I even should, because . . .
I took a hard look at my finances the other day & was discouraged to see that I haven't really managed a net reduction of my debt since X moved out more than two years ago. I've made a number of big payments on credit cards, but I've also had some major expenses: my lawyer & X's lawyer (I had to pay both because his income was much less than mine); replacing my computer & adding a laptop; trips to Colombia, Boston, & LA; massive work on my car (it's old but sturdy, gets excellent mileage, & almost never breaks down, so I got some major maintenance & repair work done all at once); replacing a couple of furniture items. I made really careful choices with all these things, & am continuing to work extra & live as frugally as I can without descending into deprivation mode. But still, getting rid of the debt is going to take longer than I hoped.
In recent weeks I've started to have a pronounced eyelid twitch, clearly related to stress. It's twitching as I write this.
Though I've had many wonderful experiences in recent months--solo camping & going to outdoor concerts with friends & making tamales over open fires with Colombian friends & having people come for dinner & so on--I'm struggling with depression right now.
On a deep spiritual level I'm feeling discouraged & uncertain. The two years of psychotherapy really helped me get through the divorce, but now I'm sensing a need for a different kind of inner work. Being married to a narcissist for 7 years, & then having to fight his efforts to get all the $$ he could from me in the process of divorce, really harmed me in ways that are hard to express.
So here's how I'm going to try to address the malaise:
1. Find a spiritual director. A friend has recommended a Catholic nun who happens to live just 1.5 miles from me. The nun is open to meeting with me for discernment, so next Wednesday (when I work from home), my morning exercise will be fast-walking to meet with her. I hope she proves to be a good mentor to help me discern God's movement in my life at this time.
2. Participate in the fall 5% challenge, focusing just on exercise & healthy eating. Of course getting sweaty more often is going to help my mood.
3. Make an appointment with my doctor to see if I should get PT for my elbow.
4. Living just as frugally as I can without making myself miserable.
As always, my SP friends' encouragement will be appreciated. Love to you all.
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1338 days ago
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Dear Ruth,
Hang in there, it will get better. I think you have a good plan. I agree that you should try to decrease your stress. I'm also a person who puts a lot on myself so I do understand. It's very easy to think that we have to do everything.
How did it go with the nun? God really helps if you let him. Difficult things will not go away, but they will be easier to manage.
God bless / Lisa
1348 days ago
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I am keeping you in my prayers. It sure has been a rough year for you. i pray that you will make it around the bend soon.
1349 days ago
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Poor, Ruth. I hope things get better soon. I think working through that list you laid out will help and start to mentally make you feel better and less stressed because you're taking the "steps" to work things out. I get that eyelid twitch from time to time too, and it will definitely go away if you can get rid of or alleviate a little bit of that stress. Also re:#4 be careful about that adding more stress. I love the idea of frugal living, but remember to live. I know you will.
1355 days ago
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First of all, I love your new profile picture! It shows a truly lovely person. I too am excited about beginning the fall challenge with such a group of supportive friends. I applaud your efforts to get a spiritual mentor and to refocus on you....you WILL survive all of this. One day you WILL be able to look back on this stage of your life and see how you grew stronger from tackling it all.
1357 days ago
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Hi Ruth--I'm sorry I haven't been around as much to know what you've been going through and offer support. I don't know what a deep depression feels like, but I think it is good that you have set goals to focus on YOU. You have gone through a lot and it sounds like you have a good plan in place to work through specific things. I need to get my head back in the Starfish game, too, so we can root each other on throughout the challenge! Sending TEXAS-sized hugs your way!!
1357 days ago
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I would like to encourage you and support you as you go through this period of adjustment/transition/change.
B vitamin helps me when my eye twitches. Helps with the stress. My favorite is Mega B- Stress by Solaray. It is inexpensive. You can find it on Vitacost website.
As for your ideas to address those issues, those are great plans of action! You are specific, you have plans, people to support you and you will make it through this and probably grow in the process. You are a wonderful, dear person and I only want the best for you. I pray for God's peace in your life in this time.
1358 days ago
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Dearest One, I am so sad to hear all that you are going through. You know I am just a phone call away Love. I am also a good listener & seeing the nun will also be a good thing for you. I think speaking to someone who has no personal stake except that you are better than when you walked in is really great. I spoke with someone some 2 years ago & I just miss her perception of me & how she uplifted me & made whole. I'm also praying for you that you are made whole.
God bless & keep you!
1358 days ago
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Great work, Ian!
Added a comment about photo Vital MTB Moto Day Photo Blast 1/8/2014 10:04 PM
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Bike of the Day August 20, 2013!
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Iggz, that link shows page not found. Can you repost, as I am currently waiting for my DHR to get the new headtube gusset..
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Added a product review for Hadley 20mm Dowhill Front Hub 3/17/2010 10:16 PM
The Good: Minimal maintenance, bulletproof when built with Mavic 823 rim
The Bad: Only being able to have 1 of these on one bike ;)
Overall: I've been riding the same Hadley hubs on my freeride/DH setup for over 3 years and have never had an issue. They handle all the abuse and more
This product has 5 reviews


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Focused Genetic Analyses Seek To Improve...
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The Epigenetics Field Is Granular and...
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Nimesulide, a COX-2 inhibitor, delays the progression of precancerous pancreatic lesions in mice, according to researchers at David Geffen School of Medicine at UCLA. The researchers say this is the first study to demonstrate the effect of an anti-inflammatory COX-2 inhibitor on the development of pancreatic cancer.
"With these results, I certainly wouldn't say everyone should be taking COX-2 inhibitors to protect against cancer," warns lead author Guido Eibl, M.D., scientific director of the Hirshberg Laboratory of Pancreatic Cancer Research and adjunct assistant professor at UCLA. "However, with additional studies, we may find COX-2 inhibitors could help prevent pancreatic cancer in high-risk populations."
COX-2 is already believed to play some role in tumor growth in breast, colon, and pancreatic cancers. To study the effects of COX-2 on pancreatic intraepithelial neoplasias (PanINs) progression, Dr. Eibl and colleagues focused on the KrasG12D mouse. In this model, low-grade PanINs (stage I or II) begin to appear in the pancreas at one month and high-grade PanINs (stage III) can be found at the six-month stage. Most researchers agree that stage III PanINs are a direct precursor to pancreatic cancer in humans as well as in mice, according to Dr. Eibl. Between 12 and 15 months, Dr. Eibl says the majority of KrasG12D mice will develop pancreatic tumors.
In the UCLA study one set of mice received a Nimesulide-enriched diet for 10 months and were compared to a control group fed a regular diet. Their analyses revealed that 10% of pancreatic ducts had PanIN-2 or -3 in the mice in the Nimesulide group versus 40% in the control arm.
Because the pancreases of mice were analyzed at 10 months, before the typical appearance of pancreatic tumors, the team intends to conduct further studies to conclude whether or not Nimesulide can delay the onset of or prevent pancreatic cancer.
The study was published in the August 1 issue of Cancer Research.
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Liberalism infringing on our constitutional rights. We are told not to be offended when a college football player is drafted and kisses his significant other on camera. Yet, the Ninth Circuit Court ruled the American Flag is a symbol of racial animus. Something is really wrong in 2014 America. The American Flag is a symbol of freedom and liberty not only to the United States but also to the World.
There is nothing wrong with America. Liberals and liberalism have become intolerant and dictatorial trend infringing on our rights and undermining the Constitution. Liberalism dominates our culture through the media, academe and popular culture. Recently, two Federal judges have overturned proposals affirming the definition of marriage in Oregon and here in Michigan. The Michigan proposal didn't ban gay marriage. It was a constitutional amendment stating marriage is a union between a man and a woman. But a liberal judge can annul the will of 60% of Michigan voters, especially 70% of Detroiters.
Liberal groups in recent months have assembled on college campuses waging rallies with Anti-Semitic rants against Israel.
Liberalism has allowed Obama to play ignorant regarding the scandals with the IRS and VA, Fast and Furious and Benghazi. He claims he never knew about these events until he read about them in newspaper accounts. He should listen to Talk Radio. He'd be up to speed with these occurrences and not look so hapless at press conferences. No worry, liberalism protects him.
The VA scandal which is has broken open in the last few weeks was more than just corruption at the Phoenix facility. Dozens of other VA hospitals were creating secretive lists for reporting purposes. Yet, hundreds of our veterans were denied proper care so some bureaucrat could look good at his performance review. President Obama has said very little about this affair until today. His minions tell us he's very angry. He can't be too angry he's been playing golf and entertaining schoolchildren at the White House in that time.
Michigan Senator Carl Levin was relentless in ordering the IRS to unethically scrutinize conservative organizations for illegal political involvement. Coincidentally, Levin and liberalism are allowing the ACLU, a supposed apolitical, non-profit organization, to represent Democrat Congressman John Conyers resolve his attempt to be on the primary ballot.
Liberalism enabled a corrupt incompetent president into the White House and it is sabotaging our country and the democratic process.
Final Thought: Anybody willing to bet a $100 million that the money from Chase Bank will not improve roads, houses or businesses in Detroit?


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So I was listening to the radio today and heard something about road rage and it got me thinking about confrontations where even though you try your hardest to stay away from bad areas, you find yourself face to face with "Francis" from Stripes, a total hot head who's completely overreacting to a situation. e.g.:
He rear ends you and goes off the handle
Glancing at his girlfriend
Asking him to go behind you instead of cutting ahead of you in line
You accidentally cut him off because he was in your blind spot
You start out by trying to de-escalate the situation by saying "look, whatever it was, it was an accident", or "let's just move on", "let's calm down" whatever but, he won't drop it and gets more irate and shouting with you, probably even getting your temper up with his attitude. Problem is that if he keeps persisting, you might be tempted or even forced to draw/shoot but again, nothing here is life threatening yet.
Is it ever appropriate to tell Francis you're armed and "we should really just part ways"? The goal is to make sure the situation never gets to the lethal level as I would imagine you'd have a hell of a time defending yourself in court.


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Dr. Don,
Our daughter (my step-daughter) and son-in-law are looking at buying a home sometime soon. Here's the problem. She has bad credit and he has little or no credit.
Someone told them that he should find a family member who has excellent credit, which my husband and I do, who would put him on one of their credit cards but not give him the card itself. This would give him (the son-in-law) good credit.
You can list your son-in-law as an authorized user on your account
in the hopes of having the payment history show up on his credit
report and improve his credit score.
They don't have to live with you for that to happen. That
said, creditors are only obligated to report the payment history
of an authorized user if that person is the account holder's spouse,
so you'll want to talk to the creditor before taking this step to
make sure that the creditor will report it.
If you don't give him actual access to the account,
there should be a minimal amount of credit risk to you. Why
a minimal risk? Well, he is an authorized user and all he would
need to use the card is the account information, and an authorized
user isn't obligated to repay the debt.
Another option is to co-sign the mortgage loan. I'm
not a big fan of this approach, even for family. As the FTC
guide for consumers,"Cosigning
a Loan," states: "When you're asked to cosign, you're
being asked to take a risk that a professional lender won't take.
If the borrower met the criteria, the lender wouldn't require a
Bad credit doesn't last forever. Negative information
for the most part stays on a credit report for seven years. The
couple won't have to wait seven years to get credit, they just need
to build a clean payment history and keep it clean.
Unless there were extenuating circumstances such as
a medical problem or a sustained period of unemployment, people
with bad credit typically get to that point by living beyond their
means. It's a little easier to jump into the breach with a
commitment by the couple to turn things around, combined with a
clean payment history, than it is to try to finesse the issue by co-signing
a loan or making the couple authorized users on your credit card.
To ask a question of Dr. Don, go to the "Ask
the Experts" page and select one of these topics: "financing
a home," "saving & investing" or "money."


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With the unanimous passage of new Anti-Fraud policy 7.23 last week, Bob Clemons, Director of Finance for the School Board of Levy County, has been given the additional duty of Fraud Investigator, authorized to confiscate both district and personal employee property.
"Any irregularity, that is detected or suspected . . . shall be reported immediately to the Director of Finance" who will decide "whether pursuit of an investigation is warranted," the policy states.
The Department of Children and Families will be relocating staff from Trenton to Chiefland and closing the office in Trenton. The last day the office will be open is Tuesday, March 10.
Circuit Administrator Ester Tibbs reports, "Department of Children and Families staff members will continue to be responsive to the needs of our citizens. This change will allow us to reduce our lease costs without negatively impacting service delivery. It is our goal to continue to serve the entire community with no difference in the availability of any needed assistance. "
Levy County's jail inmates are costing more at the doctor's office than expected — including one prisoner who has a medical bill totaling $236,107.75 — and the sheriff has asked the county commission to take over paying the bills.
"Yep, that's kind of a sore subject," said Capt. Evan Sullivan, spokesman for Sheriff Johnny Smith.
The Chiefland City Commission has approved on first reading a proposal to suspend impact fees for fire, police, transportation and recreation for one year as a way to jumpstart new construction.
The proposal, which won unanimous preliminary approval in the commission's Monday evening meeting, comes up for a public hearing and final approval at 6 p.m. Monday, April 13 at City Hall.
The commission had estimated it would receive $69,000 in impact fees in the fiscal year that started Oct. 1, 2008 and ends on Sept. 30.
On Jan. 22 Cedar Key Mayor Heath Davis asked three residents to serve on an Energy Advisory Panel to spearhead a citywide, citizen-based conservation movement.
Faced with many tasks, Tom Deverin, Connie Nelson and Luz Kraujalis decided first to tackle the big project of recycling household and business garbage.
MORRISTON - A woman driving an SUV struck the back of a stopped school bus on U.S. 41 Tuesday morning.
MORRISTON - A woman driving an SUV struck the back of a stopped school bus on U.S. 41 Tuesday morning. The driver was killed and a baby in her car was slightly injured. According to the Florida Highway Patrol, Tiffany Poupard, 29, of Dunnellon, was northbound on U.S. 41 in Levy County just north of the Marion County line.
This week construction crews on Williston Road (State Road 121), between U.S. 41 in Williston and the Alachua County line, began removing the old asphalt and building up new asphalt on the curves. This will improve drainage and the ability of drivers to maneuver through the curves while still maintaining the speed limit, according to the Florida Department of Transportation (FDOT).
Once work is completed at the curves, crews will begin removing the old asphalt and resurfacing the roadway throughout the remainder of the project.
Twenty-one veteran teachers across Levy County received letters last week notifying them that their annual contracts would not be renewed for the upcoming 2009-2010 school year.
The 21 educators, each with at least 30 years of teaching experience, were either part of the extended DROP (Deferred Retirement Option Plan) program or retired and then rehired back on annual contract.
"Those teachers were paid at the top of the pay scale based upon their years of experience," said Candace Dean, Director of Personnel for Levy County School District.
Marco Rubio is not sure which office he will be running for in 2010, but whatever statewide opportunity comes available, he is ready.
Rubio, who has formed an exploratory committee, addressed the Levy County Republican Executive Committee's Lincoln Reagan Memorial Dinner on Friday, March 27.
Rubio's choice of which office to seek is complicated by the retirement of U.S. Sen. Mel Martinez. The Republican has announced he will not seek re-election next year and the iffyness of Gov. Charlie Crist's plans to seek the office.
Copyright © 2016
The Chiefland Citizen is your source for local news, sports, events, and information in Levy County and Chiefland Florida, and the surrounding area.


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4J Studios continues to find success with the immensely popular Minecraft: Xbox 360 Edition after it was recently revealed that the version of the game for the Microsoft console has now sold over 12 million units. Naturally, the developer has plans to push the sandbox title forward but releasing more content in the future. In fact, as announced by Xbox Wire on April 4, the next DLC for the Xbox 360 edition of Minecraft has now officially received a release date.
The Candy Texture Pack will become available for download on the Xbox 360 on April 18. Like all texture pack add-ons, the forthcoming DLC will allow fans to change the in-game characters of every block and NPC character within the game world. With the Candy Texture Pack, gamers will be able to alter Minecraft to look like it is made entirely out of sugary treats.
Minecraft: Xbox 360 Edition is now available to download via Xbox Live Arcade. While 4J Studios also released a version of the hit game on PS3 last December, it is currently unknown if the Candy Texture Pack will eventually release on the Sony platform at a later date. All that is known at this time is that the new texture pack will launch only for Xbox 360 on April 18.