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In 2007 Tiger joined Jack Nicklaus and Arnold Palmer as hosts of PGA Tour events with the playing of the first AT&T National at Congressional Country Club. After moving to Aronimink Golf Club outside Philadelphia...
Augusta National
In his first major championship as a professional, Tiger Woods announced his arrival and presaged his era of dominance with a record-breaking performance: He set the Masters record with a score of 270, and won...
Tiger capped off one of the greatest summers in golf history at the 2000 PGA Championship, where he won his third major of the year. Not only did he play the first two rounds with...
TPC Summerlin
In just his fifth start as a professional, Tiger won his first PGA Tour event, shooting a final-round 64 in the five-day Las Vegas Invitational then beating Davis Love III with a par on the...
Old Course at St. Andrews
In July 2000 Tiger became the fifth player—and the youngest, at age 24—to win the career Grand Slam with an emphatic eight-shot victory at the home of golf. He deftly handled St. Andrews' hidden hazards...
Thanksgiving Golf Courses intro
Thanksgiving is the most American of holidays, one that brings together friends and family for a day of eating, watching football, napping and well, more eating.
Nearly 400 years old, Thanksgiving is marked by history and...
World Golf Championships Courses Intro
Since debuting in 1999, the World Golf Championships (WGC) have created more opportunities for the best golfers to compete against each other all over the world.
Predictably, nobody has shone more on stages like Valderrama (Spain),...
Mount Juliet Golf Club
LOCATION Thomastown, Ireland EVENTS 2002, 2004 American Express Championship WINNERS Tiger Woods, Ernie Els
<< Previous >> Next: Dove Mountain
Sheshan International Golf Club
LOCATION Shanghai, China EVENTS 2005–10 HSBC Champions WINNERS Phil Mickelson, Sergio Garcia, Y.E. Yang,
David Howell
<< Previous >> Next: Valderrama
Ritz-Carlton Golf Club
LOCATION Marana, Ariz. EVENTS 2009–10 Accenture Match Play Championship WINNERS Geoff Ogilvy, Ian Poulter
<< Previous >> Next: Sheshan International


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UPDATE: "The Flash" Hasn't Cast Savitar, Says Berlanti
TV, Comic Books
Showing results 3-42 of 100
"Sandman: Overture" returns with its penultimate issue in late May, and CBR has the exclusive reveal of the variant cover by Dave McKean.
Neil Gaiman & J.H. Williams III's "The Sandman: Overture" #3 delivers with "flights of whimsy, dangerously grim moments and beautiful inventive set pieces."
"Batwoman" writer Marc Andreyko speaks about bringing the supernatural element back to the book and concluding the story left dangling in issue #24.
This week's Cover of the Week candidates include both covers for "The Sandman: Overture" #2, "All-New X-Factor" and more.
Ahead of his Cartoon Art Museum speech and Sandman-themed exhibit, artist JH Williams III discussed "Overture" and his work with CBR News.
Check out an exclusive first look at the "Sandman: Overture" #2 variants by J.H. Williams III and original "Sandman" cover artist Dave McKean.
With another newsworthy year complete, CBR looks back at the stories and trends that had the biggest impact on the comics industry in 2013.
Neil Gaiman discusses his return to serialized storytelling with "Sandman: Overture," working with J.H. Williams III, the potential movie and much more.
Months following a controversial creative team shift, writer Marc Andreyko's first "Batwoman" issue is out this week, tying in to "Zero Year."
CBR spoke with literary authority Leslie S. Klinger, who has annotated "The Sandman" for Vertigo, about his findings from "The Sandman: Overture" #1.
"Sandman: Overture" #2, originally solicited for Dec. 31, is now scheduled to be released in February 2014. UPDATE: Neil Gaiman explains the delay.
Vertigo has debuted the television commercial for "The Sandman: Overture" by Neil Gaiman and J.H. Williams III.
Artist extraordinaire JH Williams III takes CBR behind the scenes of bringing the dreams of Neil Gaiman's "Sandman: Overture" to life.
This week, Finn gets spooky, Marco and Alana get romantic, The Shadow gets surreal and Dream gets -- well, two spots.
ROBOT 6's J. Caleb Mozzocco reviews two high-profile DC releases, saying Williams III is the perfect "Sandman" artist and Kubert "draws the scariest Joker fish."
Neil Gaiman & J.H. WIlliams III deliver an incredible comic with "The Sandman: Overture" #1, combining "brilliant" writing and art for a truly impressive issue.
J.H. Williams III shares his history with Neil Gaiman's creation, artistic influences and the collaborative process involved in bringing the historical project to life.
After 25 years, writer Neil Gaiman returns to his legendary series in "The Sandman: Overture" #1 with art by J.H. Williams III. On 10/30, learn the secrets of the Endless!
J.H. Williams III says farewell to "Batwoman," the "pre-apocalypse" gets bizarre, "Zero's" repeat performance and The Shadow enjoys his alone time.
"The Sandman: Overture" #1 will include a CBLDF-specific variant cover illustrated by Jim Lee. CBR News has the exclusive first look at the image.
On his personal blog, J.H. Williams III reflects on the end of his "Batwoman" run at DC Comics, and says he's "depressed" over the circumstances.
DC Comics has released a preview of "Batwoman" #24, J.H. Williams III, W. Haden Blackman and Trevor McCarthy's final issue on the series.
Taran Killam and Marc Andreyko discuss super spy series "The Illegitimates," explaining why comics is the only home Killam wanted for his creation while Andreyko touches on the challenge of taking over "Batwoman."
In her latest column, CSBG's Kelly Thompson examines her concerns with J.H. Williams III & W. Haden Blackman's departure from DC Comics "Batwoman."
Notable news items in DC Comics' December 2013 solicitations include J.H. Williams III and W. Haden Blackman originally listed as the writers of "Batwoman" #26. UPDATED with the new solicitation text.
DC Comics has confirmed for CBR that "Batwoman" #25 will be Marc Andreyko's first issue as series writer, and is set to be joined by artist Jeremy Haun.
Dan DiDio's announcement at Baltimore Comic-Con indicates that incoming "Batwoman" writer Marc Andreyko is replacing J.H. Williams III and W. Haden Blackman two issues before the team's intended departure.
Will you be interested in "Batwoman" once J.H. Williams III and W. Haden Blackman exit the DC Comics series after the release of Issue 26?
In a statement co-posted on their personal websites, J.H. Williams III and W. Hayden Blackman have announced their departure from DC Comics' "Batwoman" title, citing editorial interference. UPDATE: DC Comics responds.
This week, Lono brings a Chihuahua to a gunfight, Gotham City meets Neo-Gotham, Lobster Johnson tiptoes through the lotuses, Kate Kane wrestles with demons, and lil' Legion goes for a ride.
"Batwoman" writer/artist J.H. Williams III entertained a crowd of fans Thursday with a look into his influences, his upcoming "Sandman: Overture" and his artistic process.
At the Vertigo "Sandman" 25 Anniversary panel, creator Neil Gaiman, artist Dave McKean and others spoke about the series, Dream and the upcoming "Sandman: Overture."
Vertigo has released the first look at J.H. Williams III's interior art for his and Neil Gaiman's "Sandman: Overture" miniseries, along with the first issue's cover by Dave McKean.
With "The Sandman: Overture" on sale in October, J.H. Williams III tells CBR about the status of "Batwoman" and his plans for continuing Kate Kane's story as a new chapter of his life begins.
Neil Gaiman spoke to a packed house in LA about his latest prose novel, "The Ocean at the End of the Lane" while offering details and teases about his highly anticipated return to Vertigo with "The Sandman: Overture."
DC Comics has revealed a closer look at its Vertigo imprint's upcoming publishing slate with seven upcoming titles with full synopses and creative teams, including "Hinterkind," "Dead Boy Detectives" & more.
Neil Gaiman and J.H. Williams III's "The Sandman: Overture" miniseries is just one of six new Vertigo titles launching in late 2013 an attempt to rebuild the DC Comics imprint. UPDATED with new art by Williams.
This week features the unexpected return of "100 Bullets'" Lono, Batwoman versus Killer Croc, a tear-streaked "Revival," the vortex of the First Born and a stealthy Red Skull.
Greg McElhatton gives "Batwoman" #21 by J.H. Williams III, W. Haden Blackman and Francesco Francavilla 4 stars, calling Francavilla's work "turns the entire page into something that can also be appreciated as a whole."
This week, Snow White readies for war, Wonder Woman gets a show of hands, Gotham gets bloody, Judge Dredd rockets into action and Conan gets naked.
Archives: All | Comic Books | TV/Film | Video Games | Web Comics

subset: commoncrawl


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Bowl Projections: Here's our guy's final 2013 list
Soon the official bowl pairings will be announced. Here are my last projections. The big change is Ohio State falling from the BCS title game to the Orange Bowl, and Michigan State rising to the Rose Bowl. So, the Big Ten will have two BCS bowl teams but will have to wait another year to win a national title.


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(Photo by Tim Jaynes, Staff)
SIKESTON -- A possible tragedy was averted on Wednesday morning thanks to the quick thinking of a Sikeston man.
Jimmy Gipson rescued a 2-year-old child from a burning semi-truck outside the former Essex building Tuesday morning, as he arrived to make preparations for a new business moving in later this month.
"The truck was at the dock and I saw that it was on fire when I was pulling into the lot," said Gipson. "I was running inside to tell them the truck was on fire and I saw him out of the corner of my eye -- there was a little boy trying to get out of the truck."
Gipson said that's when he stopped thinking and started to react, pulling the boy from the truck minutes before it burst into flames. "It all happened so fast, I couldn't tell you what happened," he said.
(middle and bottom photos)
His father, Alan D. Cart, is an over-the-road driver from French Trucking in Tennessee and was delivering items for the new Philips Products plant. According to Sgt. Bill Mygatt of the Sikeston Department of Public Safety, the boy was reportedly asleep in the sleeper of the truck when his dad went inside the building.
Chief Drew Juden, director of DPS, praised Gipson for his quick thinking and noted that although the child could have likely gotten the door of the truck open by himself, he still could have fallen and gotten hurt.
"I think there's no doubt that a serious tragedy was averted by the fact that Jimmy saw the child in the truck and then rescued the child," said Juden. "I think he should be commended for his quick thinking and commitment to get involved."
Gipson, who said "I'm no hero," added that he has never had any emergency training and was purely relying on instinct during the rescue.
Mygatt said DPS firefighters were called to the scene at 8:31 a.m. and remained until 9:41. Gipson had already rescued the youngster by the time they arrived.
The cause of the fire appears to be electrical, Mygatt said.


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Z-0 wrote: i dont think you "should" watch it, i'm merely drawing your attention to it.
Z-0 wrote: this seems more difficult than is necessary.
xGasPricesx wrote: Z-0 wrote: this seems more difficult than is necessary.
Giving a simple paragraph or two explanation of what the fuck the video is that you started a whole new thread for is too difficult? C'mon man, if you just want to throw a video out there then put it in the random video thread. If you're going to start a whole new thread about it though, then at least give us a little background on it and explain why we should care.
The internet is filled with videos nowadays, and most of us aren't too inclined to just check out shit without any explanation first.


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All the Way Video
More White Eagle Photos by Aaron F. Litt
June/July Shows
We have some exciting in and out of town shows coming up-
June 27 at The Voodoo Room in Astoria, Or with Anne Marie Sanderson
July 10 at The Laurelthirst Public House W/ The Dull Richards (SF)
July 17-18 at the River Jam Music Festival in Yaak, MT
'Tis the Season——-New Song!
Long time comin' on this one, Recorded in 2014 by Josh Mathys, mixed by Denim Wedding
Jennifer's Soundcloud Page
Jennifer has assembled together a batch of her old recordings on Soundclound. Check it out!
News for Fall 2014
As bands often do, we've switched things up the past several months and are now joined by Jessica Blount and Jon Williams. It's been a creative game of musical chairs: instrument shifts, new songs, and increased energy. We are very excited to perform with The Minders and Eyelids Thursday, October 30th at The Secret Society for Eyelids record release, 854. Yes!!!
Metal In Me
6 down, 3 to go…
We've been working on new recordings for several months now, and there is a light at the end of the tunnel! We are lucky enough to be working at Josh Mathys' studio, located in the industrial blocks of SE PDX. Josh is also our drummer, so that's handy. The overall sound of the tracks is somewhat heavier, darker, and dare I say, LUSH! The recent snow storm gave us 3 days to hole up and refine the goods. Recording is far from the instant gratification of performing live, but in the end, I believe, well worth the effort and time. This weekend we start on three new tracks- Spring, There Is a Way, and Low Hum. Looking forward to the coming spring and all the fun productivity! –Jennifer
New Ep Out Now!
"Jennifer Faust and Brian Kunkel are Denim Wedding, a rustic Americana duo that, remarkably, stands out in a crowded field of local rustic Americana bands. Denim Wedding's new EP, Fancy Diving, is dreamlike and succulently earthy, a collection of five subdued but provocative tunes that range from upbeat Southern soul ballads ("Ankles Off") to delicate bell-and-accordion songs ("Ebb and Flow") to haunted dirges ("Traveling Circus"). While the music Faust and Kunkel sometimes make is spare, it is never stark, and it's imbued with a warmth that's impossible to fake. Fancy Diving's utmost strengths, though, are its songs, which are adventurously written—and impeccably dressed, even if Denim Wedding's name might make you suspect otherwise." NED LANNAMANN – Portland Mercury


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Emma, Emma, Emma---you are too pretty for words. What a fun afternoon I had playing with you in your backyard!
If you can't tell the striking resemblance or make the connection with the last name, Emma is Paulina Gretzky's little sister! They are just 2 of Wayne and Janet's gorgeous kids! We are hoping to get all the kids together someday soon! But for now, enjoy these crazy cute shots of Emma... and just know, that her personality and sweetness is as big as her cuteness.


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For many years, distributor Castle has had a plum spot at Dealer Expo — right inside the main entrance to the Indiana Convention Center's largest hall — where dealers could see the latest HJC helmets and Castle snowmobile apparel. This year, dealers also saw a large selection for street apparel and luggage. The gear has been shipping to dealers since last season, but the luggage is brand-new. According to a Castle rep, dealers have liked the snowmobile wear (introduced in 2001) so much that they encouraged the expansion.
New jackets for 2009 include the Flex textile model in men's and women's versions, the Quest adventure-touring model, and a special edition of the sporty Slate Jacket. Castle also has new models of pants and gloves, many of which are made for women. The luggage lineup consists of more than 30 pieces and is constructed of water-resistant synthetic leather, or 1,200-denier nylon, or a combination of the two. Retail prices range from $34.95 for a tool bag to $314.95 for the studded version of the Contour Flat Back saddlebag.


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Remembering 9/11
Posted on September 11, 2010
Filed under Columns & essays | 6 Comments | Email This Post
This piece is included in 09/11 8:48 AM: Documenting America's Greatest Tragedy, an anthology of raw, immediate accounts published across the nation after the tragedy of 9/11, edited by Ethan Casey with the New York University School of Journalism.
The Long Way Home
By Cindy La Ferle
September 20, 2001, Royal Oak, Michigan
A little more than a week has passed since our country was attacked and brought to its knees. A friend of mine says she is trying to wake up from what she calls Stephen King's worst nightmare. The rest of us still feel as though we've been wandering in a fog, unable to find our way home. Home, it seems, has been completely redesigned by horrific acts of terrorism. Ever since last Tuesday, everything is different. Everything.
I have stopped assuming that home will ever be completely safe from disaster. This thought alone makes every wall, every window, every piece of oak, maple, brick, or concrete in my neighborhood, my world, seem all the more precious. I've also stopped obsessing over the things I used to obsess about. I've stopped worrying about the fact that my refrigerator needs cleaning and the walls in the kitchen need repainting. Things like that don't matter now. My focus has changed.
It doesn't matter if my family leaves a mess on the breakfast counter every morning. And so what if I trip over somebody's shoes in the hallway? I am deeply grateful that there are people living here — eating breakfast and wearing shoes.
I imagine this is all part of the grieving process, and that someday things will seem normal again. Right now, though, I feel a bit like Emily in Thornton Wilder's Our Town. Emily is the character who, near the end of the play, returns to her hometown as a ghost and realizes how much she took for granted when she was alive. Emily recites a list of the simple things that made her days precious — things like the smell of freshly brewed coffee in the morning.
I know exactly what she meant. This week I'm savoring the taste of summer's last tomatoes. I'm taking time to watch the sun set behind the maples in our yard, and to listen to the sound of cathedral bells just a few blocks away.
But I can't think of anyone who is appreciating the comforts of home as much as Norma Gormly of Troy, Michigan.
Norma's plane was diverted back to London's Gatwick Airport immediately following the terrorist attacks on the World Trade Center and the Pentagon.
Norma and her daughter, Jan, had been on vacation and ended up stranded at a bed-and-breakfast inn outside London until the airways were cleared for their return to the United States. Theirs was the first Northwest flight to leave last Friday. As Norma told me, it was quite an experience.
"We had to go through four checkpoints and check in all bags," she recalled. "We were allowed our purses with personal stuff only. Following a body search, we were admitted to the lounge area."
None of the passengers complained, though, even though their wait was long. Another three hours passed before their flight left Gatwick.
"We felt good that they had done all that they could for our safety," Norma said. "We had the same flight crew from our diverted plane."
That crew, Norma recalled, wore black ribbons around the gold wings on their uniforms. Some were fighting tears, "but they all promised to do their best to make our trip as normal as possible. Our captain was informative and soothing."
Norma and her fellow passengers clapped and cheered loudly as their plane finally took off. They cheered again when the plane passed over Canada. And it was, as Norma remembers, a tremendous relief to arrive back home in America.
"We cheered and clapped, then cheered and clapped again upon landing at Metro Airport. We were home at last!"
No matter what shape it's in, Norma added, there's no place like home. Home is a word every American cherishes – more than ever, now. — Cindy La Ferle
— This essay was originally published in The Daily Tribune (Royal Oak, Michigan) and is also included in Writing Home —
6 Responses to "Remembering 9/11"
cindy on
September 12th, 2010 12:55 pm
Such a moving and understated essay, Cindy. You really hit how so many of use were feeling and still are…and just having traveled on 4 planes in 5 days, I still don't mind all the extra hassle. It's worth it.
joanna jenkins on
September 12th, 2010 4:08 pm
Beautifully told Cindy. It is a day and an experience none of us will ever forget.
xo jj
AnnaMaria Morgan on
September 12th, 2010 8:13 pm
Spoken from the heart – thank you Cindy. I can so relate to everything you said – especially cherishing each precious moment – time spent with family, friends, my kitty children. Kiss my husband goodbye whenever he leaves the house, because you …never know if it will be the last time. I vividly remember 9/11 and how I initially thought it was a movie until I heard Katie Couric's panicked voice reporting on the news as it unfolded before my very eyes. Unbelievable! I've been haunted by the events of that day as you and so many of us are. Yesterday was very somber – it rained all day here – I felt as if the rain represented the tears of those who died and those left behind. So very sad.
Yet hope springs eternal and thanks to stories like yours, we are reminded that we must seize the day, and recognize and revel in the sacredness of each moment we are gifted with.
P.S. Posted this to your Facebook site too.
Cindy La Ferle on
September 13th, 2010 7:11 am
Thank you — I appreciate these nice comments on the essay. It was written just a couple of days after 9/11, because it had to be turned in several days before publication in the Sunday edition of the newspaper. I remember crying as I rushed to finish the piece to meet my column deadline. I was emotionally wrung out. So the piece really was "a raw and immediate" reaction to the tragedy — which was one of the requirements for the anthology. In retrospect, I know that the piece would have been different had I written it even two weeks later.
starrlife on
September 18th, 2010 4:02 pm
Well done my friend, well done.
Carla Temple on
September 11th, 2011 9:52 pm
It is in the little things that we do find joy. Thanks for sharing this Nin. xox
Leave a Reply


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A cultural link between the Campus and its diverse urban community, the Voices of the Rainbow series offers exhilarating presentations of poetry and fiction by talented and spirited writers of multiple racial, ethnic, linguistic
and national backgrounds. Since it was first hosted by the English Department in 1993, the program has featured writers such as Meena Alexander, Dorothy Allison, Amiri Baraka, Gwendolyn Brooks, Judith Ortiz Cofer, Edwidge Danticat, Junot Diaz, Cristina Garcia, Jessica Hagedorn, Chang-Rae Lee, Fae Myenne Ng, Ishmael Reed, Ntozake
Shange, Piri Thomas and Yevgeny Yevtushenko.
For more information, contact Louis Parascandola at (718) 488-1109 or visit www.brooklyn.liu.edu/depts/English/voices.html. The Voices of the Rainbow program is free and open to the public.
If you would like to support any of the programs described in this publication, please call:
Gladys Schrynemakers
Office of the Provost
(718) 488-3405
Gladys Schrynemakers
Office of the Provost
(718) 488-3405


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Application of Friendship Airways, Inc. d/b/a Yellow Air Taxi for Commuter Authority
Notice Of Order To Show Cause (Order 2011 10 9), Docket Dot Ost 2005 21533.
The Department of Transportation is directing all interested persons to show cause why it should revoke the Commuter Air Carrier Authorization issued to Friendship Airways, Inc. d/b/a Yellow Air Taxi and deny its application to resume commuter operations, pursuant to 49 U.S.C. 40109(f) and 14 CFR part 298.
Table of Contents Back to Top
DATES: Back to Top
Persons wishing to file objections should do so no later than November 1, 2011.
ADDRESSES: Back to Top
Objections and answers to objections should be filed in Docket DOT-OST-2005-21533 and addressed to U.S. Department of Transportation, Docket Operations, (M-30, Room W12-140), 1200 New Jersey Avenue, SE., West Building Ground Floor, Washington, DC 20590, and should be served upon the parties listed in Attachment A to the order.
FOR FURTHER INFORMATION CONTACT: Back to Top
Catherine J. O'Toole, Air Carrier Fitness Division (X-56, Room W86-489), U.S. Department of Transportation, 1200 New Jersey Avenue, SE., Washington, DC 20590, (202) 366-9721.
Dated: October 18, 2011.
Susan L. Kurland,
Assistant Secretary for Aviation and International Affairs.
[FR Doc. 2011-27455 Filed 10-21-11; 8:45 am]


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Definition of canker in English:
noun[mass noun]
1A destructive fungal disease of apple and other trees that results in damage to the bark: cut out lesions on branches caused by canker
More example sentences
- Activity in the citrus orchards of central Queensland has ground to a halt as the state calls for help to deal with the mammoth task of inspecting trees for the disease canker.
- It pays to be on the lookout for apple scab, canker and mildew, tackling any problems before they become deeply ingrained and hard to treat.
- Trees appear to resist bacterial canker but are very susceptible to fire blight.
1.1 [count noun] An open lesion in plant tissue caused by infection or injury: check trees for cankers
More example sentences
- In dry edible beans, anthracnose causes unsightly cankers on plant stems, pods, and seeds.
- As the infection progresses, trees undergo twig and branch dieback and develop stem cankers, which results in tree-death.
- He visits other chestnut trees, too, packing mud on their cankers and clipping flowers for use in breeding programs.
2.1 (also canker sore) North American A small ulcer of the mouth or lips: a remedy for canker sores
More example sentences
- This means that you swish the medicine around in your mouth, especially around your canker sore, for a few minutes before swallowing it.
- Call your doctor if your child's canker sore gets worse.
- When my husband was a little boy, the doctor told his mom he had a canker sore.
2.2 another term for thrush2 (sense 2).
2.3Ulceration of the throat and other orifices of birds, typically caused by a protozoal infection: secondary infections of canker and coccidiosis
2.4Inflammation of the ear of a dog, cat, or rabbit, typically caused by a mite infestation.
Example sentences
- Be sure to purchase ear canker powder as it has the additional benefit of helping to control canker and ear mites in your Shih Tzu.
- It promotes healing and dries up the inner ear canker as well as the external areas that may become sore and moist from the canker discharge.
- Ear mite or ear canker is a very common infection in most rabbitries and is economically important because of the loss of condition and poor reproductive performance that this infestation can cause.
3A malign and corrupting influence that is difficult to eradicate: [in singular]: racism remains a canker at the heart of the nation
More example sentences
- Now the big question is how to curb the canker of corruption and restore much needed probity in public life.
- 'That is the canker in the heart of the Conservative Party and that is what sparked the trouble,' he said
- For politicians, the overstayer issue is a bit of a canker.
rot, corruption
1 [no object] (Of woody plant tissue) become infected with canker: (as noun cankering) we found some cankering of the wood
More example sentences
- Stems may be girdled just above the soil line; tissue thus damaged may appear cracked or cankered.
- Many larger trees showed cankered boles and parasite-bloated boughs.
- Tiny black specks, which are reproductive bodies of the cane blight fungus, develop in the brown cankered bark.
2 (as adjective cankered) Infected with a pervasive and corrupting bitterness: he hated her with a cankered, shameful abhorrence
More example sentences
- I mean, you know, irony's funny and all, but if all you do is make fun of other things, you get this kind of cankered, empty feeling.
- I'm a 37-year-old graduate student who's having the usual dating difficulties common among those of us who are old and grey and cankered.
- Your gold and silver is cankered; and the rust of them shall be a witness against you, and shall eat your flesh as it were fire.
- Example sentences
- It sows seeds of guilt and worthlessness in the child, fertile ground for cankerous depression to take root in the adult.
- He had inspected the dark labyrinth of the Old Brewery, tripping over the inert, inebriated bodies, peeking into miserable closets housing filthy mothers and cankerous children.
- Every August I determine to do this after I have harvested the fruit, and every year I get cold feet because the memory of the pears is so delicious that I cannot bear to lose them, cankerous or not.
Middle English (denoting a tumour): from Old French chancre, from Latin cancer 'crab' (see cancer).
cancer from Old English:
The pattern of swollen veins around malignant tumours gave them the name cancer because they looked like the limbs of a crab—cancer in Latin. In English canker (Middle English) was the usual form for the disease until the 17th century, when canker became the term for various plant diseases. The medical term carcinoma (early 18th century) comes from karkinos, Greek for 'crab'.
Words that rhyme with cankeranchor, banker, Bianca, Casablanca, Costa Blanca, flanker, franker, hanker, lingua franca, Lubyanka, rancour (US rancor), ranker, Salamanca, spanker, Sri Lanka, tanka, tanker, up-anchor
For editors and proofreaders
Line breaks: can¦ker
Definition of canker in:
What do you find interesting about this word or phrase?
Comments that don't adhere to our Community Guidelines may be moderated or removed.
= trending


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Welcome and thank you for your interest in Belcher Bits.
Please use the menu at left to explore the Belcher Bits aircraft and Battalion Bits armour lines.
Prices are in Canadian dollars. We also accept US checks (payable to Mike Belcher, please) at par. Note: We have had to increase our postage prices slightly for US and foreign orders, from $9.00 to $10.00.
What's New?


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The Most Reliable Name in Custom Shutters
Mountain Pine Shutters, an expert in plantation and traditional shutters, has been a premier shutter company in Southern California for more than 30 years. Based in La Cañada and Santa Barbara, California, we provide and install shutters throughout Southern California. Mountain Pine Shutters provides quality interior and exterior shutters, designed with our decades of experience, customer service, and care.
We offer custom shutters for interior and exterior solutions in three price ranges and materials. We provide a 100% basswood shutter, our synthetic (Polywood) non-wood shutter, and a composite Chinese gesso shutter. All of our shutters are quality built in the U.S., giving you the best value for your dollar.
The team at Mountain Pine Shutters is ready to help solve any shutter challenge. A specialist in shutters, we provide personal service to all of our clients. We bring years of experience to every interior and exterior shutter job. Whether you are a custom designer, painter, contractor, home builder, or do-it-yourself client who needs plantation or traditional shutters, we can help make the process easier.
Mountain Pine Shutters' Guarantee
Mountain Pine Shutters will help you design a quality hardwood plantation shutter window treatment or traditional shutter window treatment to accent and brighten any home. In the shutter business, it's the people who stand behind a guarantee who make it meaningful. Greg Lee, who founded our La Canada, California business in 1979, has the reputation as the most knowledgeable shutter resource in the Los Angeles area. Greg grew up in the shutter business, with his uncles owning their first manufacturing facility in 1962. Today his team of experts includes a Sales Professional, Shutter Installer, Shutter Painter and Shutter Foreman with combined experience of more than 140 work-years! Our team stands behind our workmanship from design and manufacturing to installation and cleanup. We are committed to providing shutters that are both beautiful and functional.
Three shutter materials to fit your budget
Basswood: our premium wood shutter with many great qualities. As a hardwood, basswood has no resin to bleed through the finish. It is a light hardwood, so these shutters have no sagging problems from excessive weight and virtually no warp.
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Quality shutter construction
Mountain Pine Shutters, located in La Canada Flintridge near Pasadena and Glendale and in Santa Barbara, uses the best engineering design and material to make plantation and traditional shutters.
Our tension screw system allows adjustment of louver tension with a slight turn of the screw. We use extra long, heavy gauge staples in the louvers and tilt rods to ensure strength. Every wood shutter panel is assembled with 3/8″ fluted hardwood dowels, glued on 1″ centers, giving the shutter panel lock-tight durability.
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Mountain Pine Shutters will color match or custom finish AT NO ADDITIONAL COST! Our finishing process is a thirteen-step process in which the raw wood is sanded when milled, sanded again after being cut into components, and sanded by hand before being undercoated. After a series of undercoats, our shutters are completely sanded by hand and machine with a fine grit paper. Then the shutters are painted and proof sanded with an extra-fine grit. This process includes many thin coats of nitrocellulose lacquer and more than five sanding steps between coats.
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There is no difference between plantation shutters and wide louver shutters. Plantation shutter is a traditional term for the wide louvered design. For more information, please see our page on the history of shutters.


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A new generation of Swedish chefs are making their mark on the global gastronomic arena. Although the capital, Stockholm, is leading the way, other cities like Gothenburg and Malmö have vibrant restaurant scenes. Also, some of the most intriguing and personal expressions of Swedish gastronomy can be found in restaurants far away from the cities.
Michelin starred frantzén/lindberg in Stockholm
Chefs across the country are exploring nature, using everything that foraging and local sourcing can provide. It means venturing into new territory, but simultaneously they rediscover traditional, often artisan methods and techniques. The role of the chef has taken a new turn, not focusing only on the work in the kitchen, but spending considerable time finding the best quality produce, and developing close relations with farmers, growers and producers.
Swedish gastronomy also has a tradition of looking outward. The Swedish kitchen would never be in its present position at the forefront of gastronomy without being open to other cultures. Since the 50s, Sweden has welcomed a relatively large number of immigrants from different parts of the world. They have contributed greatly to the development of the gastronomy in terms of produce, techniques and traditions. They have also helped create a healthy and eclectic restaurant scene where an impressive number of cuisines are represented.
As a token of the success of chefs, Sweden has two restaurants on The World's 50 Best Restaurants list, as well as ten restaurants with stars in Guide Michelin.
Source: The World's 50 Best Restaurants
Frantzén/Lindeberg – Three Dishes from vdKG Design on Vimeo.
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I have been diagnosed with Tricompartmental Arthritis. What is this EXACTLY? What are the 3 compartments? What is the treatment?I am a Physical Therapist. I have had a scope for general clean-out and micro fracture to stim bone growth PLUS an ACL reconstruction, autograft from patellar tendon w/ bone plugs and screws. I am in constant pain and no longer able to exercise. I am 52 yo. What are the treatment options? READ MORE
The knee is separated into three compartments or areas: the lateral, medial and patellofemoral (knee cap). Arthritis can affect all three areas to various degrees. Based on the procedure you describe, a joint preservation procedure has been done in an effort to give you as much knee function as possible before the inevitable, end point treatment--arthroplasty (joint replacement).
Because you are a PT, I am sure you have already tried to unload the knee as much as possible during exercise and other activities to improve activity tolerance. Hopefully, you have tried and are sticking with an anti-inflammatory diet and maybe some supplements like glucosamine and omega-3's.
Eventually, you may need some medication management for your chronic pain to improve your QOL and function.
Dr. Christina Lasich, MD
May 04, 2011Health ProMay 04, 2011
Smoothing out the joint surfaces is the idea behind arthroscopic surgery for cases of severe arthritis. Sometimes this surgery can relieve pain and improve range of motion, sometimes not. Surgical success is based on many factors. So, it is hard for me to say exactly why you are not improving after surgery.
Dr. Christina Lasich, MDREAD MORE


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DEXTER (SMNS) - Global Fuels LLC biodiesel plant, located on County Road 731, should be operational by Jan. 1.
The plant had, according to statements from co-owners Harold Williams and Jerry Bagby, had been expected to be up and running sooner but was delayed by the weather and the holidays.
Bagby said the plant should be ready for operational and functional testing by Dec. 18. "But it's going to be hard to get the testers and people like that to do anything during the holidays," Bagby said, "because nobody's going to want to be away from their families at that time."
The contractor, he said is Stuttgart, Ark.-based AgriProcess Innovations. The company is providing the equipment for producing the biodiesel, soybean oil and glycerin.
Bagby said the testing would commence at the beginning of next year, with actual production of biodiesel to begin later in January.


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Some of the women will have Kingmade jerky in the bag for a healthy snack at Pinehurst No. 2 this week.
Michelle Wie "Weezie" will be using all Nike equipment including this VR 60 degree wedge.
Do's custom-stamped Mack Daddy 2 designed by Roger Cleveland will get some work this week.
Cho uses a custom-stamped Vokey 58 degree SM4 wedge.
Cheyenne Woods has a Nike Method putter in her bag.
Will the winner of the U.S. Women's Open strike Payne Stewart's famous pose on the 72nd hole at Pinehurst No. 2 come Sunday?


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Two of America's best-loved inspirational speakers team up to share recipes for spiritual healing-stories that represent the prime ingredients of what is possible, that warm the heart, delight.. Price: $12.88
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The Most Widely Used Veterinary Reference
For over 50 years, The Merck Veterinary Manual has been a trusted source of animal health information for students and practicing veterinarians. It contains authoritative guidelines for the diagnosis, treatment, and prevention of animal disorders and diseases. More than 1100 full-color images, audio examples, videos, and links to related information enhance the expansive coverage of companion, production, exotic, and laboratory animals.
In the News
Obama Signs Law Making Bison the First National MammalPresident Obama signed a law on Monday making the bison - tens of millions of which once roamed North America - the country's first national mammal.- www.nytimes.com
What will the Fort McMurray fires mean for wildlife?Between fight and flight, much of the wildlife near Fort McMurray has neither option. The 587 species living in Alberta range from caribou and cougars to black widow spiders and slugs, all of which suffer from smoke inhalation, burns or exhaustion when trying to flee forest fire. - www.macleans.com
Recently Updated
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> Overview of Zinc Toxicosis
Editors and Contributors
Editor-In-Chief / Susan E. Aiello, DVM, ELS
Executive Editor / Michael A. Moses
Dana G. Allen, DVM, MSc, DACVIM
Peter D. Constable, BVSc (Hons), MS, PhD, DACVIM
Andrew Dart, BVSc, PhD, Dip ACVS, Dip ECVS
Peter R. Davies, BVSc, PhD
Katherine E. Quesenberry, DVM, MPH, DABVP (Avian)
Philip T. Reeves, BVSc, PhD, FACVSc
Jagdev M. Sharma, BVSc, MS, PhD
Tracee Treadwell, DVM, MPH, CAPT USPHS
Important: The authors, reviewers, and editors of this book have made extensive efforts to ensure that treatments, drugs, and dosage regimens are accurate and conform to the standards accepted at the time of publication. However, constant changes in information resulting from continuing research and clinical experience, reasonable differences in opinions among authorities, unique aspects of individual clinical situations, and the possibility of human error in preparing such an extensive text require that the reader exercise individual judgment when making a clinical decision and, if necessary, consult and compare information from other sources. In particular, the reader is advised to check the product information provided by the manufacturer of a drug product before prescribing or administering it, especially if the drug is unfamiliar or is used infrequently.
The Merck Manual of Diagnosis and Therapy
The Merck Manual of Patient Symptoms
The Merck Veterinary Manual
Content Integration for EHR
Content Syndication for Portals/Apps
Content Integration for Animal Health
The Merck Manual Home Health Handbook
The Merck Manual Go-To Home Guide For Symptoms
The Merck Manual for Pet Health
© 2015 Merck Sharp & Dohme Corp.,
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Jazz Northwest
3:00 pm
Sun December 1, 2013
Jazz Northwest for December 1
By Jim Wilke
This week on Jazz Northwest we're starting the holiday season by revisiting some of our favorites: the Roosevelt Jazz Band's "Jazz Nutcracker," Don Lanphere's "Year 'Round Christmas" and Hans Teuber and Dave Peterson play "Silver Bells." We'll sample Jim Knapp's new string orchestra "Scrape" plus Seattle Women's Jazz Orchestra, Thomas Marriott and more.
Jazz Northwest airs Sundays at 2 PM Pacific on 88.5 KPLU, and streams at kplu.org. There is also a podcast available after the broadcast.


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Notice: This website is not being updated after February 01, 2013. Please visit www.forexpk.com for latest updates.
Last Updated on Tuesday, 30 November 1999 05:00 Thursday, 09 September 2010 09:40
OVERVIEW : Silk Bank (formerly Saudi Pak Commercial Bank) came into existence when a consortium of investors, comprising of Bank Muscat SAOG, Nomura European Investments Limited and International Finance Corporation signed a share purchase agreement with the Saudi Pak investment group. On March 31, 2008 the consortium acquired 86.55% of the bank for around USD 260 million or $0.47 per share (Rs 29.3 equivalent per share).
The issue has been supported by all members of the consortium of investors, except Bank Muscat because of regulatory constraints by the Central Bank of Oman. However, their share will be subscribed by new investors and the process is expected to successfully complete by end June 2010. Its shares are quoted on all stock exchanges of Pakistan.
During the first half of FY10, Silk Bank has shown phenomenal performance, recording a profit for the first time in the past four years. While the company was facing a loss of Rs 1.11 billion last June, this June a profit of Rs 208 million has been recorded. As a result, EPS of Rs 0.11 has been recorded as compared to an EPS of Re -1.00 per share over the same period last year, a growth of 111%. Net Interest Income saw a remarkable increase of 205%, an increase attributed to a large jump in Interest Income and only a marginal rise in Interest Expense. In addition, the sharp decline in Provisions resulted in a much higher Net Interest Income after Provisioning, moving from a loss of Rs 286 million at the end of 1H09 to a profit of Rs 237 million at the end of 1H10. Provisions against loans dropped from Rs 279 million to Rs 36 million, a decline of 87%.
Non-interest income increased significantly, from Rs 395 million at the end of 1H09 to Rs 959 million at the end of 1H10, a growth of 142%. This rise was mainly due to a gain of Rs 567 million on the sale of certain bank properties. Non-interest expense showed a marginal decline, as a result of which the company presented a profit over the period as compared to a loss the same period last year. The profit for the period was improved further as a result of the tax refund received.
Deposits showed an increase of 8.9% over the period, rising from Rs 49.6 billion at the end of 2009 to Rs 54 billion at the end of the first half of 2010. Within Deposits, Savings Accounts saw an increase of 39.9% followed by Current Accounts, which rose by 24.9%. Borrowings, however, declined by 26.9%, from Rs 15 billion to Rs 11 billion. As a result, no major change was seen in Total Liabilities.
Total Assets rose from Rs 68.6 billion at the end of FY09 to Rs 72.9 billion at the end of 1H10, a rise of 6.8%. This rise can be attributed to the 28.9% increase in Advances, which was dampened slightly by the 18.9% decline in Investments.
Equity of Silk Bank has seen a large increase, from Rs 1.76 billion to Rs 6.17 billion, a growth of 250%. This is a very big achievement for the bank, as they have reached this goal despite the large losses they have been facing as well as the poor market response towards newly issued shares. Shares issued this period were done so at a discount of Rs 7.5 per share instead of the full price of Rs 10 per share. In addition, the company recorded a gain of Rs 567 million on the sale of certain assets, also contributing to the increase in equity. These measures were all taken in order to comply with the Minimum Capital Requirement set by the State Bank, which required all banks to hold Rs 6 billion paid-up capital by the end of 2009.
NPLs showed a marginal rise of 0.91%, rising from Rs 11.89 billion to Rs 11.99 billion at the end of this period. The NPL to Advances ratio has declined from 37% to 29%, signifying an improvement in asset quality. The Advance to Deposit Ratio has remained relatively stable, with a rise of only 1.7%.
Market value of silk bank has been declining, with the share price dropping from Rs 5.47 to Rs 2.7 over the past six months. In addition, issuance of shares at a discount shows the market response to shares is poor and it may take some time before the bank gains investor confidence in the market.
The first half of this year has shown a positive trend for the bank, as it has now met the MCR and has once again become profitable. Despite the difficult economic situation in the country this stability is expected to continue for the remaining year.
Silk bank s Loss before Tax increased by 50% to Rs 4.25 billion in FY09 as compared to Rs 2.83 billion in FY08. The net interest income registered a decline of 84% as it reduced to Rs 57 million from Rs 369 million in FY08. The reason behind this decline was the increase in interest expense resulting from high costs of deposits and increased borrowing from financial institutions. The non-mark-up income registered a sizable growth of 72% in FY09 (to Rs 662.187 million) with almost half of this income coming from fee, commission and brokerage income. The rise can also be attributed to the gains made on dealing in foreign currencies in the wake of unstable rupee and from gains on sales of securities. Non-interest expenses increased by 36.8% to Rs 2.66 billion with administrative expenses increasing by 41.9% to Rs 2.74 billion. This rise was due to the bank s focus on increasing its branch network and the cost associated with re-branding, new recruitments and setting up of and refurbishments of existing branches.
In the FY08, Silk Bank declared a loss of Rs 2014 million with earnings per share of Rs 2.83, considerably lower (33.76%) than previous year s loss of PKR 3041 million and Loss per share of PKR 6.25. Due to losses the bank did not pay any dividend. The net interest income after provisions improved by 54.10%; from negative Rs 2.773 billion to negative Rs 1.273 billion. This was mainly because during FY08, the bank s provisioning against the NPLS and Advances declined significantly (47%) to Rs 1.663billion. The non-mark-up income witnessed a decline of 50.50% to Rs 384.5 million mainly on the back of declining Fee commission and Brokerage income, which went down 49% to Rs 188.6 million.
In FY09, net interest income after provisions declined by 76.9% which can be attributed to a sharp surge in the interest expenses to Rs 5.855 billion (an increase of 38.7%). The impairment expenses for available for sale securities (Rs 138.276 million) drive up provisioning expense. Due to global economic conditions and slow down, stock markets in Pakistan have witnessed a significant decline in value of equity instruments traded. During the period, the bank faced a sizeable impairment charges on available for sale securities (Rs 138.276 million).
In FY09, investments grew by 67% from the previous year to stand at Rs 20.179 billion. Government securities ie Market Treasury Bills and PIBs comprise 88% of the investments (Rs 17.788 Billion). Advances Show a modest gain of 3.2% from FY 08 to stand at Rs 32.097Billion but still represent the major chunk of earning assets at 60% of the Earning asset during FY09. Lending to financial institutions declined by 22% to Rs 1.067 billion mainly due to a decline in call money lending. However the ADR has fallen to 64.7% in 2009 as compared to 75.72% in 2008, because the advances rose by 3.2% (to Rs 32.097 billion) and deposits grew by 20% (to Rs 49.610 billion) in 2009.
The year FY09 witnessed a 20% increase in earning assets of the bank and they stood at Rs 53.34 billion. The most sizable contribution in this regard was made by investments as they rose by 67%. The bank was able to buy risk-free government treasury bills at coupon rates ranging from 11.5% to 13.24%. TFCs were also bought but mostly of unlisted companies which could prove to be a risky investment considering the financial instability in the country. In FY08 there was not any sizable change in the earning assets while in FY07 they declined by 10%. The losses for these 2 years can partially be explained by the dwindling size of the earning assets, which declined in both these years. During FY07, the bank s overall earning asset base declined by 10.13% to stand at PKR 44.57billion, which further slipped modestly by 0.22% to stand at Rs 44.476 billion in FY08. During the same period, lending to financial institutions increased by 63.90% (FY08: Rs 1.376 billion), investments registered a decline of 32% to stand at Rs 12.012 billion and advances grew by 20.14% to Rs 31.09 billion.
In FY09 the bank was able to match the increase in advances with a larger increase in deposits to improve its liquidity position. Advances grew by 3.02% to Rs 32 billion while deposits registered an increase of 20% and stood at Rs 49 billion for FY09. In 2008, the bank had deposits of Rs 41.056 billion; 3.22% lower than those of previous year. The remunerative, interest expense bearing deposits of 2008 were Rs 34.419 billion, representing almost 84% of the total deposit base. This is mainly due to the fact that Pakistani banks are attracting more fixed and term deposits due to banks eagerness for raising longer term deposits to match their assets maturity profiles whereas due to decline in consumer financing, the demand for consumer short to medium term financing has been wary.
Silk Bank s Return on Assets has declined to negative 4.2% in FY09 as compared to negative 3.6% in FY08. The bank has been unable to make profit after tax since 2006. In FY08 the bank had been able to reduce its loss before taxation to Rs 2.83 billion. However it was unable to sustain this performance as loss before taxation increased by 50% to Rs 4.25 billion. Most of this loss can be attributed to a decline of 84% in net interest income while the operating charges increased by 42%. Provisions against loans and advances also increased by 30% to Rs 2.17 billion as the bank suffered from high NPLs and economic downturn.
The return on equity declined to negative 164% in FY09 from negative 45% in FY08. This has been mainly due to a decline of 60% in the bank s equity. Although the bank was able to increase its assets by 23%; large increase in deposits and borrowings from financial institutions raised the bank s liabilities to Rs 66 billion (an increase of more than 30%).
The bank faced non-performing loans of Rs 11.891 billion during the FY09, which shows a decline of 7% as compared to FY08. The NPLs to advances ratio declined to 37% in FY09 against 41% in FY08. Although there had been an increase in advances but the bank was able to controls its NPLs even in a slow growing economy and a weak manufacturing sector. Provisions to NPLs increased to 18.2% in FY09 as compared to 12.9% in FY08. Although the bank was able to contain its NPLs in FY09, high provisions for NPLs had to be made this year in account of large increase in NPLs in 2008. The issue of rising NPLs in 2008 could be attributed to the economic downturn, the power crisis and the subsequent industrial crisis, which has rendered many borrowers incapable to meet their financial obligations.
NON PERFORMING LOANS (in PKR 000 s)
2007 2008 2009
6,136,018 12,845,225 11,891,428
The revised regulations of SBP that were effective from September 30, 2009 has increased the percentage of benefit of Forced Sale Value (FSV) from 30% to 40% for mortgaged residential and commercial properties held as collateral against advances by the bank and aforesaid regulation also allowed the benefit of FSV in respect of mortgaged industrial properties (land and building only). The above regulations made changes in the computation of provisioning and have resulted in reduction of provision against non-performing advances by Rs 323.053 million and a consequent decrease in loss after tax by Rs 209.98 million. During the year, total FSV benefit availed by the Bank resulted in decrease in after tax loss of Rs 360.117 million (2008: Nil). Accordingly, as of December 31, 2009, the accumulated decrease in loss after tax of Rs 234.076 million (2008: Nil) shall not available for payment of cash or stock dividend.
The ratio of earning assets to total assets shows a slight decline in FY09 ie 77.69% as compared to 79.93% in FY08. Although earning assets have been increasing but in less proportion to total assets. The advance to deposit ratio has declined from 75% in FY08 to 69% in FY09. The bank has been able to improve on its liquidity in compliance with SBP s notifications. With deposits mainly consisting of term deposits the bank has been able to better match its advance with deposits. The advance to deposits ratio increased in FY08 to 75.72% from 61.60% in FY 07. This was mainly due to the rise in advances of 20.14% whereas the deposits fell by 3.11% because the bank had large amounts of fixed deposits, which enabled them to extend advances, particularly in the long-term advances, which stood at Rs 17.923 billion, 31.20% higher than previous year s Rs 13.661 billion. Whereas short-term deposits for FY08 stood at Rs 20.26 billion; which grew at a comparatively slower rate of 14.13%. Overall, the figures indicated that the bank was striving to maintain a good ADR by making more and more advances, but the issue of default and non-performance of loans remained a challenge.
There has been a slight increase in yield on earning assets ie from 10.54% in FY08 to 10.74% in FY09 but the cost of funding these earning assets has increased with a larger amount. In FY09 the cost of funding these earning assets was 11.97% as compared to 9.48% in the previous year. This was due to an increase of 38% in the interest expensed which rose to Rs 5.8 billion as the bank increased its financing by increasing its deposits and borrowings from financial institutions.
Assets (000 s PKR) 2006 2007 2008 2009
cash and balances
with treasury banks 3,994,136 3,223,780 3,070,067 3,120,880
balances with other banks 613,678 128,991 190,197 151,068
lending to financial institutions 4,747,567 839,959 1,376,651 1,067,708
investments 15,828,682 17,859,169 12,012,233 20,179,329
advances 29,021,974 25,874,972 31,087,373 32,097,490
operating fixed assets 2,322,371 2,367,883 3,002,450 3,720,695
deferred taxes net 1,015,123 1,767,715 2,613,939 3,976,149
other assets 1,657,318 1,598,131 2,292,358 4,351,022
Total Assets 59,200,849 53,660,600 55,645,268 66,664,341
Bills payable 408,342 570,756 431,537 637,602
Borrowings 4,236,775 6,880,449 8,738,616 15,088,332
Deposits and other accounts 49,015,090 42,373,710 41,056,630 49,610,034
Sub-ordinated loans 650,000 650,000 - -
Liabilities against assets
subject to finance lease 63,030 80,155 39,731 10,476
Deferred tax liabilities - - - -
Other liabilities 829,573 925,091 987,394 1,554,808
Total Liabilities 55,202,810 51,480,161 51,253,908 66,901,252
The solvency position of the bank has deteriorated in FY09 as compared to FY08. The equity to assets ratio stood at 4.95% against 6% in FY07. Similarly the Equity to Deposits ratio declined from 7.88% in FY08 to 6.79% in FY09. This decline can be attributed to the increase in bank s liabilities (mainly Deposits and lending from financial institutions) which reduced its net assets. In FY08 there was an improvement in solvency position as equity to assets ratio increased from 5.47% to 6.01% and equity to deposits ratio increased from 6.76% to 7.88%. The reason behind to change was the improvement in share capital of 80% as a result of new injections in the equity. However the new injections were unable to maintain the minimum capital requirement of Rs 5 billion and it faced a shortfall of Rs 2.128 billion.
The Earning asset to deposit ratio has reduced marginally to 1.07 in FY09 from 1.08 in FY08. This is because of the un-proportionate variations in the Earnings assets and deposits. Also, the shortfall in meeting the MCR has resulted in the bank to make efforts on improving its capital adequacy through improving the equity side of its balance sheet.
The new board has unveiled an ambitious plan to bring the Silk bank among the top ten banks of the country. The main aim is to increase the balance sheet size of the bank aside from cleaning it up, reduce and recover the non performing loans of the bank, and invest in resources that will improve the banks performance and profitability. The JCR-VIS Credit Rating Agency has maintained the long term entity rating of the Bank as A- (Single A Minus) and the short term rating as A-3 (A-Three) and the rating has been put under a rating watch as Developing . It is also hoped by the completion of injection of new capital, the bank will take off to achieving their ambitious goals.
COURTESY: Economics and Finance Department, Institute of Business Administration, Karachi, prepared this analytical report for Business Recorder.
DISCLAIMER: No reliance should be placed on the [above information] by any one for making any financial, investment and business decision. The [above information] is general in nature and has not been prepared for any specific decision making process. [The newspaper] has not independently verified all of the [above information] and has relied on sources that have been deemed reliable in the past. Accordingly, the newspaper or any its staff or sources of information do not bear any liability or responsibility of any consequences for decisions or actions based on the [above information].
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|Prolonged Abstinence Can Affect Sperm.
Men who abstain from ejaculating for long periods could be affecting the quality of the sperm and consequently may reduce conception.
In a study conducted at Soroka University it was found that abstaining for periods longer then 2 days affected quality the of sperm in some men. Dr Levitas divided the men into two groups, those with normal sperm count and those with low sperm counts. The effects were noted in the ability of the sperm to penetrate the egg, which is measured by the acrosome index and the motility of the sperm. In the group with normal sperm count, an adverse effect on the sperms ability to penetrate the egg was shown after 5 days of abstinence. The motility was affected after 11 days. In the group of men with low sperm counts, a noticeable reduction in both motility and ability to penetrate the egg was noticed after 2 days of abstinence. Therefore, shorter periods of abstinence seem to be indicated.


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"Everyone needs a few good beads!"
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Based on the merchandise total on your order. Sales tax and shipping not included. (Domestic Orders only)
This is the New larger size Beadsmith One Step "Big" Looper. This tool cuts and loops a wire or head pin in one motion! The One Step Bead Looper allows you to create & trim eye pins simply. It works well on wire or with head or eye pins.
The One Step Looper Tool works with dead-soft or half-hard wire. You can use precious metal wire or craft wire, as well as gold or silver filled wire, copper wire, or brass wire and stainless wire. Suggested wire sizes range from 18 gauge to 26 gauge wire. Memory wire will damage the One Step Looper so be careful not to use that. The One Step "Big" Looper takes the worry about making consistent loops! The loops it forms measure 3 mm in diameter. The One Step Looper allows you to customize the length of your eye pins.
The Sticky Bead Mat features a tacky surface to hold beads, findings, or other small parts in place without fear of the items rolling away. The special material leaves no residue. Should the mat become dusty, dirty, or linty simply rinse with water and let it air dry to recharge the sticky surface.
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EZ-BOBS are great for holding your yarn, thread, silk and other materials. You can even string beads on your cord before you wrap it around the bobbin to hold your cord.
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No more frayed thread ends! Trims, burns, or melts thread with one touch… The retractable tip heats instantly with the push of a button! The extra-fine tip allows for precision application. Ideal for finishing beadweaving & stringing projects. Battery-operated (use two AAA batteries, not included)
Replacement tips sold separately CAUTION: Tips get extremely hot when tool button is depressed. Keep away from children, flammable materials, & skin. Keep cap on when not in use.
CAUTION: Tips get extremely hot when tool button is depressed. Keep away from children, flammable materials, & skin. Keep cap on when not in use. For professional use.
This is a portable torch setup that includes:
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6 foot Hose set
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Tank support stand
You provide a disposable gas tank and an oxygen tank available at home centers and hardware stores.
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Because we are all about consolidating here at Casa de la Sausage (plus girl) my GP is the same as our pediatrician. He's an Old Skool former military doc which means he's incredibly no-nonsense kind of guy and for that I love him. But since I delivered Amelia at a hospital that he doesn't have privileges at (likely by his own design), we were seen by another ped. Rather than transfer everything over to my GP after we were discharged because we are also lazy, we've been having Amelia see the doc she saw in the hospital.
Man, that was a long and boring paragraph. But it has a point!
This week I had to follow up with my GP after my dosage of my anti-depressant was tweaked just to make sure, I guess, that I wasn't going to kill myself OR others (and if I had, thanks to my incredibly helpful OB nurse, I'd have gone IMMEDIATELY to the ER. Because that's what suicidal/homicidal people do. They behave rationally! Because suicide and homicide are both REALLY rational things to do! Obviously!). And because I am an incredibly wonderful daughter, rather than saddle my mother with all three of my children, I took my youngest along with me.
(complete aside! You know you've been to the doctor WAAY TOO MUCH when you actually notice that all of magazines are ones you've seen already! Like Audubon Monthly! Although I don't read them, preferring to stare vapidly into space, I like to see different things at different offices)
The point of that insanely boring first paragraph is that my GP had not yet met my daughter who will become his patient (arbitrarily) after she is (hopefully) discharged from the neuro. So, because I am that kind of patient–you know, the kind that wastes the precious time of busy doctors–I immediately showed him the back of her head and told him all about Amelia's encephalocele.
He examined her and told me about one of the saddest stories I'd heard in awhile. Sometime in the 70's or 80's, he'd gotten a call from an OB asking him to come to be at this C-Section. The OB suspected a problem with the baby, but without the fancy diagnostic tools we have now, he had no idea what the problem WAS.
Well, it turned out to be a mighty encephaolcele stretching from the top of the head to the nape of the neck.
As you can imagine, the baby didn't make it.
This was the beginning and end of the experience he'd had with my daughter's diagnosis.
And this reminded me of how amazing it is that any of us turn out as well as we do. How often things actually go RIGHT.
And what a fucking miracle Amelia is. Needless to say, I've been holding all of my kids a little tighter.
40 Responses to The Holy And The Broken Hallelujah
I've often thought the same thing- that it's a miracle so many of turn out to have the correct number of legs, arms, heads, etc.
When I was pregnant, I was always vastly reassured by the huge abundance of perfectly normal looking people walking around without any extra appendages or eyes or noses.
All of us who have healthy kids are so very, very lucky.
another secret: i tell myself that if i'd gotten pregnant again, there would have been something wrong with the baby- something big. it just happens SO OFTEN, and how the fuck did i have three healthy children?
thank god amelia only had a tiny bit of her smarts hanging out.
one of my daughters has a hemangioma on her shoulder, about the size of a half-dollar. 85% are on the face and head, some even in the eye, nasal cavity, or throat! sometimes my luck is good.
What a terribly sad story. My mom is a speech pathologist, and she sees people (mostly kids) with a wide array of disorders. Many of them are inherent; some are the result of trauma. But she talks all the time about what a joy it is to see my kids. They're noisy and don't always listen, and my middle one is stubborn and my oldest refuses to try anything new; but they're normal, healthy kids. When I stop to consider the fragility of our bodies and all the things that can go wrong just on the way to being born, I'm amazed at how blessed my life has been.
How is Ameila doing? I know she's not really at the point yet of marking developmental milestones, but I hope she's doing well enough to take some of the worry away and let just enjoy being the mom of three lovely kids.
I pray for you and Amelia every night. She is going to fine, I have that much faith in G-d.
Indeed. They are blessings! Have a wonderful day, Aunt Becky!
I am reminded every time I see the scar on Farty's belly of how badly things could have turned out. But he is healthy and Amelia's healthy, and despite all the chaos, we are really blessed.
It is a miracle. We start out from a single cell and somehow all our parts are formed and most of them work right most of the time. It makes my brain feel soft and mushy trying to understand how that can happen. I'm glad your experience had a happy ending.
It is amazing that any of us get born. I'm so happy that Amelia is doing so well!
So true. I am glad that Amelia is fine….and sometimes it's good to have those reminders of how thankful we truly should be!
A pediatrician once told me, when I was freaking out because my daughter was running a fever of 104 and the sulfa he had given her was causing a rash all over her body – for the second time – and I was sure she was having an allergic reaction (she was) and was going to stop breathing at any minute, that he didn't want to be a doctor, only went into medicine to please his father (who was a doctor) and chose pediatrics as his specialty because 99% of the time, the kid survives whatever life throws at him/her, and he couldn't deal with some of the tragedies he had seen in medical school and as an intern. This was supposed to ease my mind!
I don't know what your doctor's little story was supposed to do for you. But, I'm glad that Amelia is firmly in the 99%.
(Did you not tell him that you're: 1) post-partum – he should have figured this out from the baby you were holding and 2) on anti-depressants – or did he just not hear you?) I'm all for one-stop doctor shopping, but I'd find a new pediatrician and become his patient – that's what I did when my kids were little and I practically had a reserved parking place outside their office. When my kids brought home germs – lousy little germ factories! – they got sick, I got sick, it was easier to just have their doctor look down my throat or listen to my chest. At least he did throat cultures – something general practitioners don't do.
It's a miracle that 99% of kids survive the medical system in the country!
How very sad. It's so nice to know we live in an age where medicine, while certainly not perfect, can help so many and continues to advance.
Everytime I yell at my kids for doing the normal everyday kid stuff that gets them yelled at I remind myself how lucky I am that I have healthy, annoying kids to yell at. And I remind then that they can work out what I do wrong to them in therapy later….
It's hard to remember how lucky we are, sometimes.
wow, so right..so sad.
Amelia is a superhero! Three Cheers for healthier and happier days!
And I, too, shall hug my children a little tighter as well.
you gotta love those former military doctors – so matter of fact and really just to the point! one of them delivered pepita. he said some pretty classic and quotable lines. i'm going to have to make a post of classic quotes from my time at the hospital…
you are so right – so many times things do go RIGHT. that's been one of my resolutions for the year. to remember those things that do go right and not to spend as much time with the microscope on the small number of things that go wrong.
she's a cutie! and a fucking miracle!
I am scared to have another baby for just that reason, because I feel like I dodged a bullet with my daughter and I'm just not that lucky. I give her a thousand kisses a day, because I am so thankful for my sweet little girl.
It is just breathtakingly amazing, isn't it?
i'll be singing that song for a while now…
I heart science + technology. Your daughter was born in the right time and place.
I know of a baby born very recently who died a few hours after birth, with the same condition. Amelia is an amazing miracle.
Amelia is an amazing girl, with an amazing mama! Every time I want to knock my kids' noggins together for squabbling over something stupid, I remind myself how lucky I am to have both those noggins. So I just out-yell them and set aside another $100 for therapy bills. 🙂
I think it's amazing, indeed, and you have a beautiful little girl who can take on the world!
It is most definitely amazing.
like a poster above my daughter has a hemangioma and as far as "glitches" in growing babies go, its a pretty sweet one to have, my daughters is on her face (just above one eyebrow) but like the other poster, we are VERY grateful it wasnt in her esphagus or somewhere more important. So what if I get questioned multiple times in the walmarts (i swear people think i dropped her on her face)…….. I am truly blessed to have healthy kids!
We had to study basic embryology in school and man, it's incredible that we (mostly) come out alright. Stuff migrates to where it is supposed to be. It's freaking amazing! So is sweet Amelia (and her Mommy).
Amelia is a true delight. We're all so very glad she's here with the Sausage Clan, being adorable.
Also, your OB is a wanker and his nurse is a half-wit. Just thought I'd restate my position on that.
Wow, isn't that something! Will he still see her? I think of you and your family and lAmelia often, you are in my prayers. xoxoxox
Hold them so, so tight……………
Just can't get enough of those little arms wrapped around your neck. or the soft breathing on your face as they fall asleep while you are holding them……………
Just hold them……………..
You are lucky lady – a lucky family. 🙂
I totally totally agree. So many intricate metabolic pathways to be completed during formation in utero..it's truly amazing. Bless yours and Amelia's heart. I'm squeezing the kiddo too.
I think of you and Amelia a lot and pray for all of you. You are very blessed.
Holy Moses. Perspective is everything.
My stomach turned over right then. Scary.
Funny, I was thinking of your beautiful A last night after hearing a story of a similar diagnosis that had a much different ending then your's.
AMAZING indeed.
You are right, it IS amazing. We are all miracles… and I am the first one to admit that I take it all for granted a little to often… Thanks for the jerk back to reality!
"And this reminded me of how amazing it is that any of us turn out as well as we do. How often things actually go RIGHT"
I kid you not, that very phrase used to go through my mind daily during medical school and residency. If they had given out awards at the end, hands down I would have won the award for "most time spent in the bathroom crying". I was a freakin' basket case during my training.
Life is a miracle. So glad to hear how well Amelia is doing!
Great post and I agree 100%. 30-40 years ago my 30-weeker (although I suspect I was further along…3lbs 11 oz is big for 7 months, right?) probably wouldn't have made it. Technology and God are an amazing combination!
It seems that may have been divine intervention.
Glad to hear you all are doing so well.


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Have you decided where you're going to live next year?
It's time for OSU students to choose their 2011-12 living options. We suggest applying for housing as soon as possible. Students wanting to live off campus are finding a tight rental market with a vacancy rate of about 1%. However, there are still many great options available for on-campus housing, including Halsell Hall, designed for upper-division students, and the new International Living Learning Center (ILLC) which opens in September, 2011.
Halsell hall is a great opportunity for returning students, as it is home to the Upper-division Experience (20 years-old and up) and Gender Inclusive Living programs, in an apartment-style living environment. This means students can choose to live in a room with any other student they wish including any gender identification.
Students and their suitemates have increased privacy and amenities with a shared living room/common area, private bathrooms, and a kitchenette. In Halsell students can connect with other residents of similar interests and values while enjoying the convenience of on-campus living.
An exciting new living option is the new ILLC opening on the southside of campus this fall. Domestic and international residents can have an international experience without ever leaving Corvallis. The ILLC will be a global village on campus, with about 50% of the residents representing many countries in Southeast Asia and beyond. In addition to program offering, there will be opportunities to pair up with language partners, cook meals together and engage with people different from yourself.
Each domestic student will be paired with an international roommate, and each room will share a bathroom with another room. Students can select to share a suite with a domestic friend and share the experience of living with international roommates.
Apply for on-campus housing today! Visit us online at oregonstate.edu/uhds or call 541-737-4771.


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Scott Makes Case for 2nd Term as Governor
Published: Saturday, January 5, 2013 at 12:01 a.m.
Last Modified: Sunday, January 6, 2013 at 1:27 a.m.
ORLANDO | Gov. Rick Scott pointed to the state's improving economy Saturday as he encouraged Republicans to begin working now to make sure he and other party members are elected in 2014.
Even though President Barack Obama won Florida and Republicans lost seats in Congress and the Legislature, Scott predicted the next election will be different.
"I don't understand why everybody's not a Republican," Scott told party activists gathered for the state GOP's annual meeting. "Anybody who believes that they want to improve themselves should be a Republican."
Scott pointed out that before he took office, Florida's unemployment had skyrocketed and the housing market had collapsed. He said since he's taken office, Florida's unemployment rate has dropped faster than every other state but one, and home values and sales are increasing.
"We cut property taxes, we cut business taxes, we cut regulation," Scott said. "We're doing the right thing. We're getting back to work."
Scott said that party activists need to start working now to ensure success in the next election.
"Everybody needs to be getting a phone call," Scott said. "We are 22 months minus one day away from the next election."
Agriculture Commissioner Adam Putnam, who also will be on the 2014 ballot, acknowledged the last election wasn't a good one for Republicans.
"We got our teeth kicked in," Putnam said. "We can't let that happen in two years. We've got to protect our team."
Also Saturday, Lenny Curry was re-elected as the state GOP chairman. He faced no opposition. He said that the 2012 election had some "really low lows," but that the party is still doing well.
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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As many of you know, I ran the Philadelphia Marathon last November and it was HORRIBLE. My shoes gave out at mile 18, so I had to limp, crawl, and cry my way to the finish line. I did it.. but barely.
People asked me if I would do another marathon again, and I couldn't answer it for weeks. It hurt. Really hurt… A LOT.
I wanted to redeem myself. But due to impending nuptials, I had tabled the idea of running a marathon in 2014. October is a great time to have a wedding but it is also a great time for the majority of races I would like to do (including Steamtown in Scranton where I live). I thought I could push myself for an April 2014 marathon, however I thought if I was going to run a marathon, I would like to do it again somewhere exciting. I mean, not that I don't love central PA (holla Penn State), I just don't want to bleed for it, blue or otherwise.
But you know what they say about never saying never…..
I had an extremely unique opportunity present to me today. I am sure you all remember what happened in Boston last April. How could you be runner and not be shocked? That event was the catalyst to why I even signed up for the horrible time in Philadelphia to prove fear doesn't win and all that jazz. So when a friend who worked for Massachusetts Ear & Eye in Boston asked if I would be interested in joining Team Ear & Eye for 2014, I was floored.
So after an application and interview where I had to pledge to raise a certain amount of money AND be up to training for a marathon in less time I would like….. I am officially BOSTON STRONG.
I promise more details as they come in (especially since I STRONGLY hope you may donate $26.20 to my cause). But oh man, this will be legend.. or, maybe just freaking crazy.. ary.


text: In particular, with more differentiation (less competition) banks may screen credit applicants less intensively in equilibrium. As a result, we establish that welfare need not be monotonically declining as competition becomes less intense. Finally, we establish that profits derived from the high type entrepreneurs are higher under asymmetric information with respect to loan quality than under symmetric information. Contracts are always separating for very competitive markets, while they may be pooling for less competitive markets.