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Quotes & Info
|CITZ > SEC Filings for CITZ > Form 10-Q on 2-Nov-2012
|All Recent SEC Filings
Quarterly Report
Cautionary Statement Regarding Forward Looking Statements
Certain statements contained in this Form 10-Q, in our other filings with the U.S. Securities and Exchange Commission (SEC), and in our press releases or other shareholder communications are forward-looking statements, as that term is defined in U.S. federal securities laws. Generally, these statements relate to our business plans or strategies, prospects, management, projections involving anticipated revenues, earnings, profitability, or other aspects of operating results, or other future developments in our affairs or the industry in which we conduct business. Forward-looking statements may be identified by reference to a future period or periods or by the use of forward-looking terminology such as "anticipate," "believe," "expect," "intend," "plan," "estimate," "would be," "will," "intend to," "project," or similar expressions or the negative thereof, as well as statements that include future events, tense or dates, or are not historical or current facts.
We wish to caution readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. These forward-looking statements include but are not limited to statements regarding our ability to continue to successfully execute our strategy and Strategic Growth and Diversification Plan; the level and sufficiency of our current regulatory capital and equity ratios; our ability to continue to diversify the loan portfolio; our efforts at deepening client relationships, increasing our levels of core deposits, lowering our non-performing asset levels, managing and reducing our credit-related costs, and increasing our revenue growth and levels of earning assets; the effects of general economic and competitive conditions nationally and within our core market area; our ability to sell other real estate owned properties and mortgage loans held for sale; the sufficiency of the levels of provision for the allowance for loan losses and amounts of charge-offs; loan and deposit growth; interest on loans; asset yields and cost of funds; net interest income; net interest margin; non-
interest income; non-interest expense; interest rate environment; and other factors. For further discussion of risks and uncertainties that could cause actual results and events to differ materially from such forward-looking statements see "Part I. Item 1A. Risk Factors" of our Annual Report on Form 10-K for the year ended December 31, 2011. Such forward-looking statements are not guarantees of future performance. We do not undertake, and specifically disclaim any obligation, to update any forward-looking statements to reflect occurrences or unanticipated events or circumstances after the date of such statements unless required to do so under the federal securities laws.
Critical Accounting Policies
Our consolidated financial statements are prepared in accordance with U.S. generally accepted accounting principles (U.S. GAAP), which require us to establish various accounting policies. Certain of these accounting policies require us to make estimates, judgments, or assumptions that could have a material effect on the carrying value of certain assets and liabilities. The estimates, judgments, and assumptions we use are based on historical experience, projected results, internal cash flow modeling techniques, and other factors which we believe are reasonable under the circumstances.
Significant accounting policies are presented in "Note 1. Summary of Significant Accounting Policies" in the notes to consolidated financial statements included in "Item 8. Financial Statements and Supplementary Data" of our December 31, 2011 Annual Report on Form 10-K. These policies, along with the disclosures presented in other financial statement notes and in this management's discussion and analysis, provide information on the methodology used for the valuation of significant assets and liabilities in our financial statements. We view critical accounting policies to be those that are highly dependent on subjective or complex judgments, estimates, and assumptions, and where changes in those estimates and assumptions could have a significant impact on our consolidated financial statements. We currently view the determination of the allowance for loan losses, valuations and impairments of investment securities, and the accounting for income taxes to be critical accounting policies.
Allowance for Loan Losses. We maintain our allowance for loan losses at a level we believe is appropriate to absorb credit losses inherent in our loan portfolio. The allowance for loan losses represents our estimate of probable incurred losses in our loan portfolio at each statement of condition date and is based on our review of available and relevant information.
The first component of the allowance for loan losses contains allocations for probable incurred losses that management has identified relating to impaired loans pursuant to Accounting Standards Codification (ASC) 310-10, Receivables. We individually evaluate for impairment all loans classified substandard and over $375,000 to enable management to identify potential losses over a larger cross section of the loan portfolio. We also individually evaluate for impairment all loans for which we have initiated foreclosure proceedings. For all portfolio segments, loans are considered impaired when, based on current information and events, it is probable that the borrower will not be able to fulfill its obligation according to the contractual terms of the loan agreement. The impairment loss, if any, is generally measured based on the present value of expected cash flows discounted at the loan's effective interest rate. As a practical expedient, impairment may be measured based on the loan's observable market price, or the fair value of the collateral, if the loan is collateral-dependent. A loan is considered collateral-dependent when the repayment of the loan will be provided solely by the underlying collateral and there are no other available and reliable sources of repayment. If we determine a loan is collateral-dependent, we will charge-off any identified collateral shortfall against the allowance for loan losses.
If foreclosure is probable, we are required to measure the impairment based on the fair value of the collateral. The fair value of the collateral is generally obtained from the evaluation of the collateral, and one of the methods of evaluation is an independent third-party appraisal. When current appraisals are not available, we utilize other evaluation methods to estimate the fair value of the collateral giving consideration to several factors including for real estate properties the price at which individual unit(s) could be sold in the current market, the period of time over which the unit(s) could be sold, the estimated cost to complete the unit(s), the risks associated with completing and selling the unit(s), the required return on the investment a potential acquirer may have, and the current market interest rates. The analysis of each loan involves a high degree of judgment in estimating the amount of the loss associated with the loan, including the estimation of the amount and timing of future cash flows and collateral values.
The second component of our allowance for loan losses contains allocations for probable incurred losses within various pools of loans with similar characteristics pursuant to ASC 450-10, Contingencies. This component is based in part on certain loss factors applied to various stratified loan pools excluding loans evaluated individually for impairment. In determining the appropriate loss factors for these loan pools, we consider historical charge-offs and recoveries; levels of and trends in delinquencies, impaired loans, and other classified loans; concentrations of credit within the commercial loan portfolios; volume and type of lending; and current and anticipated economic conditions. Our historical charge-offs are determined by evaluating the net charge-offs over the most recent eight quarters, including the current quarter. Prior to the fourth quarter of 2010, we evaluated our net charge-offs by using the four calendar years preceding the current year.
Loan losses are charged-off against the allowance when the loan balance or a portion of the loan balance is no longer covered by the repayment capacity of the borrower based on an evaluation of available and projected cash resources and collateral value. Recoveries of amounts previously charged-off are credited to the allowance. We assess the appropriateness of the allowance for loan losses on a quarterly basis and adjust the allowance for loan losses by recording a provision for loan losses in an amount sufficient to maintain the allowance at a level deemed appropriate by management. The evaluation of the appropriateness of the allowance for loan losses is inherently subjective as it requires estimates that are susceptible to significant revision as additional information becomes available or as future events occur. To the extent that actual outcomes differ from our estimates, an additional provision for loan losses could be required which could adversely affect earnings or our financial position in future periods.
Investment Securities. Under ASC 320-10, Investments - Debt and Equity Securities, investment securities must be classified as held-to-maturity, available-for-sale, or trading. We determine the appropriate classification at the time of purchase. The classification of investment securities is significant since it directly impacts the accounting for unrealized gains and losses on investment securities. Debt investment securities are classified as held-to-maturity and carried at amortized cost when we have the positive intent and the ability to hold the investment securities to maturity. Investment securities not classified as held-to-maturity are classified as available-for-sale and are carried at fair value, with the unrealized holding gains and losses, net of tax, reported in other comprehensive income and do not affect earnings until realized. Investment in Federal Home Loan Bank (FHLB) stock is carried at cost. We have no trading account investment securities.
The fair values of our investment securities are generally determined by reference to quoted prices from reliable independent sources utilizing observable inputs. Certain of the fair values of investment securities are determined using models whose significant value drivers or assumptions are unobservable and are significant to the fair value of the investment securities. These models are utilized when quoted prices are not available for certain investment securities or in markets where trading activity has slowed or ceased. When quoted prices are
not available and are not provided by third-party pricing services, our judgment is necessary to determine fair value. As such, fair value is determined using discounted cash flow analysis models, incorporating default rates, estimation of prepayment characteristics, and implied volatilities.
We evaluate all investment securities on a quarterly basis, and more frequently when economic conditions warrant additional evaluations, for determining if an other-than-temporary impairment (OTTI) exists pursuant to guidelines established in ASC 320-10. In evaluating the possible impairment of investment securities, consideration is given to many factors including the length of time and the extent to which the fair value has been less than cost, whether the market decline was affected by macroeconomic conditions, the financial conditions and near-term prospects of the issuer, and management's ability and intent to retain our investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. In analyzing an issuer's financial condition, we may consider whether the investment securities are issued by the federal government or its agencies or government sponsored agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuer's financial condition. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time.
If we determine that an investment experienced an OTTI, we must then determine the amount of the OTTI to be recognized in earnings. If we do not intend to sell the investment security and it is more likely than not that we will not be required to sell the investment security before recovery of its amortized cost basis less any current period loss, the OTTI will be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the OTTI related to other factors will be recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings will become the new amortized cost basis of the investment. If we intend to sell the investment security or it is more likely than not we will be required to sell the investment security before recovery of its amortized cost basis less any current period credit loss, the OTTI will be recognized in earnings equal to the entire difference between the investment's amortized cost basis and its fair value at the balance sheet date. Any recoveries related to the value of these investment securities are recorded as an unrealized gain (as other comprehensive income (loss) in shareholders' equity) and not recognized in income until the investment security is ultimately sold. From time to time, we may dispose of an impaired investment security in response to asset/liability management decisions, future market movements, business plan changes, or if the net proceeds can be reinvested at a rate of return that is expected to recover the loss within a reasonable period of time.
Income Tax Accounting. We file a consolidated federal income tax return. The provision for income taxes is based upon income in our consolidated financial statements, rather than amounts reported on our income tax return. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on our deferred tax assets and liabilities is recognized as income or expense in the period that includes the enactment date.
Under U.S. GAAP, a valuation allowance is required to be recognized if it is more likely than not that a deferred tax asset will not be realized. The determination of the realizability of the deferred tax assets is highly subjective and dependent upon judgment concerning our evaluation of both positive and negative evidence, our forecasts of future income, applicable tax planning strategies, and assessments of current and future economic and business conditions. Positive evidence includes current positive earning trends, the existence of taxes paid in
available carryback years, and the probability that taxable income will continue to be generated in future periods, while negative evidence includes any cumulative losses in the current year and prior two years and general business and economic trends.
At September 30, 2012, based on the results of our regular assessment of the ability to realize our deferred tax assets, we concluded that, based on all available evidence, both positive and negative, approximately $6.5 million of our deferred tax assets did not meet the "more likely than not" threshold for realization. Although realization of the remaining net deferred tax assets of $13.8 million is not assured, we believe it is more likely than not that all of the recorded deferred tax assets will be realized based on available tax planning strategies and our projections of future taxable income. The positive evidence considered in our analysis of the remaining deferred tax assets included our long-term history of generating taxable income; the cyclical nature of the industry in which we operate; the fact that a portion of the losses realized in 2011 were partly attributable to syndicated/participation lending which we stopped investing in during 2007; our history of fully realizing net operating losses, including the federal net operating loss from a $45.0 million taxable loss in 2004; and the relatively long remaining tax loss carryforward periods (19 years for federal income tax purposes, ten years for the state of Indiana, and eight years for the state of Illinois). The amount of the deferred tax asset considered realizable, however, could be reduced in the near term if estimates of future taxable income during tax loss carryforward periods are reduced. Any reduction in estimated future taxable income may require us to record an additional valuation allowance against our deferred tax assets, which would result in additional income tax expense in the period and could have a significant impact on our future earnings.
Positions taken in our tax returns may be subject to challenge upon examination by the taxing authorities. The benefit of an uncertain tax position is initially recognized in the financial statements only when it is more likely than not the position will be sustained upon examination by the taxing authorities. Such tax positions are both initially and subsequently measured as the largest amount of tax benefit that is greater than 50% likely of being realized upon settlement with the taxing authority, assuming full knowledge of the position and all relevant facts. Differences between our position and the position of taxing authorities could result in a reduction of a tax benefit or an increase to a tax liability, which could adversely affect our future income tax expense.
We believe our tax policies and practices are critical accounting policies because the determination of our tax provision and current and deferred tax assets and liabilities have a material impact on our results of operations and the carrying value of our assets. We believe our tax assets and liabilities are adequate and are properly recorded in the condensed consolidated financial statements at September 30, 2012.
Results of Operations for the Three and Nine Months Ended September 30, 2012 and 2011
Performance Overview The following tables provide selected financial and performance information for the periods presented. Three Months Ended September 30, Nine Months Ended September 30, 2012 2011 2012 2011 (Dollars in thousands, except per share data) Net income $ 1,259 $ 394 $ 3,103 $ 2,099 Diluted earnings per share .12 .04 .29 .20 Pre-tax, pre-provision earnings, as adjusted (1) 3,537 2,690 9,407 6,716 Return on average assets (2) .45 % .14 % .36 % .25 % Return on average equity (2) 4.72 1.34 3.96 2.44 Average interest-earning assets $ 1,014,769 $ 1,036,064 $ 1,037,445 $ 1,025,231 Net interest income 8,849 8,859 26,716 26,903 Net interest margin 3.47 % 3.39 % 3.44 % 3.51 % Non-interest income $ 3,032 $ 3,310 $ 8,499 $ 10,299 Non-interest expense 8,969 9,186 27,718 30,224 Efficiency ratio (3) 76.74 % 80.50 % 80.82 % 84.54 % September 30, December 31, September 30, 2012 2011 2011 Book value per share $ 9.94 $ 9.49 $ 10.55 Shareholders' equity to total assets 9.66 % 8.99 % 9.82 % Bank Capital Ratios: Tangible capital ratio 8.85 8.26 8.87 Tier 1 core capital ratio 8.85 8.26 8.87 Tier 1 risk-based capital ratio 12.56 11.40 12.31 Risk-based capital ratio 13.82 12.65 13.57
(1) See "Non-U.S. GAAP Financial Information" on page 46.
(2) Annualized.
(3) The efficiency ratio is calculated by dividing non-interest expense by the sum of net interest income and non-interest income, excluding net gain on sale of investment securities.
The following discussion and analysis presents the more significant factors affecting our financial condition as of September 30, 2012 and results of operations for the three and nine months ended September 30, 2012. This discussion and analysis should be read in conjunction with our condensed consolidated financial statements and notes thereto included in this report.
Our problem asset resolution efforts have reduced our level of non-performing assets by 24% during the third quarter of 2012. We have been resolving individual credits by seeking to either restructure specific non-performing loans or foreclose, obtain title, and transfer the loan to other real estate owned where management can take control of and liquidate the underlying collateral. Our ratio of non-performing loans to total loans decreased to 5.19% at September 30, 2012 from 6.41% at December 31, 2011, primarily due to transfers back to accrual
status of $9.8 million of commercial real estate A-Note troubled debt restructurings that were performing for at least six months; a $1.7 million paydown of a non-accrual commercial participation loan; and $5.6 million of commercial real estate loans transferred to other real estate owned, of which $3.7 million was also sold during the quarter. The ratio of non-performing assets to total assets decreased to 4.83% at September 30, 2012 compared to 5.63% at December 31, 2011.
During the third quarter of 2012, we recorded net income of $1.3 million, or $.12 per diluted share, an increase from net income of $394,000, or $.04 per diluted share, for the third quarter of 2011. Our earnings were favorably impacted by a $217,000, or 2.4%, decrease in non-interest expense to $9.0 million from $9.2 million for the third quarter of 2011 as we continue to reduce non-interest expense. Excluding credit related costs totaling $1.2 million, non-interest expense decreased to $7.7 million for the third quarter of 2012 from $8.5 million from the third quarter of 2011. These decreases were related to a significant decrease in compensation and employee benefit expense due to our Voluntary Early Retirement Offering (VERO) announced in the first quarter of 2012, the March 31, 2012 branch closings in Bolingbrook and Orland Park, Illinois, the outsourcing of certain support functions, and lower professional fees. The number of full time equivalent (FTE) employees decreased to 259 at September 30, 2012 from 303 at December 31, 2011 and 311 at September 30, 2011.
We continue to target specific segments in our loan portfolio for growth, including commercial and industrial and owner occupied and multifamily commercial real estate, which in the aggregate comprised 56.5% of the commercial loan portfolio at September 30, 2012, up from 53.0% at December 31, 2011 and 52.2% at September 30, 2011. Our focus on deepening client relationships continues to emphasize core deposit growth. Total core deposits as a percentage of total deposits increased to 63.3% at September 30, 2012 from 61.1% at December 31, 2011 and 60.5% at September 30, 2011. The increase was primarily due to continued shrinkage in certificates of deposit in this low interest rate environment. In addition, the Bank's High Performance Checking (HPC) deposit acquisition marketing program implemented during the first quarter of 2012 has enhanced growth in core deposits while attracting a younger demographic (20-49 age group) for retail accounts, which will continue to provide additional cross-sell opportunities.
At September 30, 2012, our common shareholders' equity was $108.1 million, or 9.66% of assets, compared to $103.2 million, or 8.99%, of assets at December 31, 2011 and $114.8 million, or 9.82% of assets, at September 30, 2011. The Bank's Tier 1 core capital ratio was 8.85% at September 30, 2012 compared to 8.26% at December 31, 2011 and 8.87% at September 30, 2011. The Bank's total risk-based capital ratio increased to 13.82% at September 30, 2012 from 12.65% at December 31, 2011 and 13.57% at September 30, 2011.
Non-U.S. GAAP Financial Information
Our accounting and reporting policies conform to U.S. GAAP and general practice within the banking industry. Management uses certain non-U.S. GAAP financial measures to evaluate our financial performance and has provided the non-U.S. GAAP financial measures of pre-tax, pre-provision earnings, as adjusted, and pre-tax, pre-provision earnings, as adjusted, to average assets. In these non-U.S. GAAP financial measures, the provision for loan losses, other real estate owned related income and expense, loan collection expense, and certain other items, such as gains and losses on sales of investment securities and other assets, and severance and early retirement expense, are excluded. Management believes that these measures are useful because they provide a more comparable basis for evaluating financial performance excluding certain credit-related costs and other non-recurring items period to period and allows management and others to assess our ability to generate pre-tax earnings to cover our provision for loan losses and other credit-related costs. Although these non-U.S. GAAP financial
measures are intended to enhance investors understanding of our business performance, these operating measures should not be considered as an alternative to U.S. GAAP.
The risks associated with utilizing operating measures (such as the pre-tax, pre-provision earnings, as adjusted) are that various persons might disagree as to the appropriateness of items included or excluded in these measures and that other companies might calculate these measures differently. Management compensates for these limitations by providing detailed reconciliations between U.S. GAAP information and our pre-tax, pre-provision earnings, as adjusted, as noted above.
The following table reconciles income before income taxes in accordance with
U.S. GAAP to the non-U.S. GAAP measurement of pre-tax, pre-provision earnings,
as adjusted.
Three Months Ended Nine Months Ended . . .


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GENERIC NAME: acetazolamide
BRAND NAME: Diamox, Diamox Sequels
PRESCRIPTION: Yes
GENERIC AVAILABLE: Yes
Acetazolamide a prescription medicine used for the following conditions:
- To remove extra fluid from the body (diuresis) in people with heart failure.
- Prevention and treatment of mountain sickness (altitude sickness)
- Seizures
- Glaucoma
Common side effects include:
- paresthesias (tingling, numbness, burning, prickling)
- ringing in the ears
- hearing problems
- loss of appetite
- changes in taste
- nausea
- vomiting
- diarrhea
- frequent urination
- drowsiness
- confusion
Other less common side effects include:
- transient myopia
- sensitivity to light
- seizures
- glucose in the urine
- blood in urine
- hives
Report Problems to the Food and Drug Administration
You are encouraged to report negative side effects of prescription drugs to the FDA. Visit the FDA MedWatch website or call 1-800-FDA-1088.
Need help identifying pills and medications?
Use the pill identifier tool on RxList.

subset: commoncrawl


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Ripiin Wear was created solely to provide cool people with quality clothes at reasonable prices. Our designs truly mimic what we love and our lifestyle. You knoMore
$10 mil. - $25 mil.in Revenue
50 - 100EmployeesContact people at this company
#102-15910 Fraser Hwy, Suite # 455SurreyBritish ColumbiaV4N 0X9Canadaview map
(604) 533-1553
Enterprise_Iteration-NT.1579[07] SEIDXWK-36


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- Report: #419142
Report - Rebuttal - Arbitrate
Complaint Review: Aspire Visa
Aspire Visaaspirecard.com Atlanta, Georgia U.S.A.
Aspire Visa Charging for "Cardsafe" when it was cancelled thru "Cardsafe", NO statement in the mail with late fee's when statement is finally mailed. Atlanta Georgia
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This has been a nightmare. I didn't get a statement in January, but just got a Feb. 2009 statement and there is a $35.00 late fee for January, I can't believe this. I wrote a letter to "disputes" today about this $35.00 late fee for a Jan. payment I never got a statement for. I should have known it had to be paid, but shame on me for not checking to make sure all my monthly statements had arrived in Jan.. This is the first time I have ever had this happen with Aspire.
I just happened to go on line and look for the Aspire site and I can't believe what popped up when I went searching. This is obviously a very bad situation going on with Aspire and I copied everything I could to send to the Connecticut Attorney General's office. I am involved in a scam with hundreds of others it seems with this Aspire and I'm in a state of shock over this. Aspire is obviously doing many illegal things and I was not even aware this was going on. I hope I'm not wasting my time mailing the letter to Aspire "disputes" about the $35 late fee when I never got a statement. Just reading whats been going on with many others vs Aspire is making me sick. Does the Federal Banking Commission know what Aspire is doing to people?
Kathy b.
Preston,, Connecticut
This report was posted on Ripoff Report on 02/02/2009 12:46 PM and is a permanent record located here: http://www.ripoffreport.com/r/Aspire-Visa/Atlanta-Georgia-30348/Aspire-Visa-Charging-for-Cardsafe-when-it-was-cancelled-thru-Cardsafe-NO-statement-in-419142. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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around the web 3-26-2011
The House That Two Incomes Built
Parenting: It All Starts With Our View of God
Life on the Wild Side: How Your Daughter Dresses Matters
Teach Engineering Resources for K-12
The Key Trait of Successful Teachers
A case for homeschooling: Is There a "Biblical Model" For Education
2 responses
Hi! I just wanted to say thanks for linking up to me today. Hope to see you again soon!
March 26, 2011 at 8:01 pm


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Hello dahling, my name is Sang…
(Sang….like I sang a song)
I am a Communication Strategist by day.
And a Single Mother Life Coach by night.
Things I Adore…
Love notes. Dance breaks. Glitter. Hand-written notes.
Things I Do…
I write for women entrepreneurs who want clear communication in their business.
I create workbooks + design communication strategies that help you get to the point, get what you want + do it with love.
I teach workshops about how to un-complicate the way you communicate + about how to be a confident writer + a positive & loving human being.
Because being understood is a beautiful thing.
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Since 2012…
I've been running my own copywriting + communication boutique as a single mother. It's called Sangtastik, Inc.! Thank you to my friend, Charity, who called me that once and it kinda stuck.
Since launching my company, I've created and written million dollar launch sequences, created workbooks, for women, like you. I've served over 250 private clients, led writing workshops for over 200 students, and released several writing challenges. Most awesomely of all, I'm the founder of Single Mother Academy that is launching in a few months. It is an academy for single mothers to have a place where they are welcomed, loved, and have a sisterhood of support.
My Stance on Writing…
You have a story and only you can tell your story they way you do.
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: Come to one of my (super fun) Create Your Happy Plan workshops.
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: Send me a love note. Dark chocolate for you.
Thank you for finding me in this world + I adore you and I know you are destined for fabulousness.
With all my love and gratitude,


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Maison Lejaby ElixirNue Bikini Brief
Incredibly stylish and sensual, the Maison Lejaby Nue Bikini Brief is beautifully soft to touch for fantastic comfort. Featuring elegant stripes at the sides, this brief effortlessly blends luxury styling with an everyday fit.
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To understand how to calculate capacitance, voltage, and charge for a parallel combination of capacitors.
Frequently, several capacitors are connected together to form a collection of capacitors. We may be interested in determining the overall capacitance of such a collection. The simplest configuration to analyze involves capacitors connected in series or in parallel. More complicated setups can often (though not always!) be treated by combining the rules for these two cases. Consider the example of a parallel combination of capacitors: Three capacitors are connected to each other and to a battery as shown in the figure. The individual capacitances are , , and , and the battery's voltage is
Suppose we consider the system of the three capacitors as a single "equivalent" capacitor. Given the charges of the three individual capacitors calculated in the previous part, find the total charge for this equivalent capacitor.
Using the value of , find the equivalent capacitance for this combination of capacitors.


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Prices, specials, features and availability subject to change.
Contact for details
Contact for details
Welcome to Timberlakes at Atascocita where you can experience a new level of Luxury. Our community offers easy access to shopping, dining, and entertainment. You will also find yourself only minutes from George Bush Intercontinental Airport. Forget the hustle and bustle of the city, just relax and have fun during the summer on Lake Houston, which is only minutes away, or mingle by your revitalizing resort-style pool, spa and charming veranda. Experience the good life at Timberlakes at Atascocita!!
Our lease terms are: 6 months, 7 months, 8 months, 9 months, 10 months, 11 months, 12 months, 13 months (Please note that lease terms may vary, are subject to change without notice, and are based on availability. Inquire with property staff for complete details).
Pet Policy: We require a one time $300 non refundable pet fee at the time of move in. Resident will also be billed an additional $10 per pet monthly pet rent. There is a limit of 2 pets per apartment with a maximum weight of 75 pounds. We don't not accept aggressive breeds.
Dogs Allowed. Cats Allowed. Pets Accepted. Call for service animal policy.
312 units
Monday-Wednesday: 9:00am-6:00pm
Thursday: 10:00am-7:00pm
Friday: 9:00am-6:00pm
Saturday: 10:00am-5:00pm
Sunday: 1:00pm-5:00pm
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Nice and clean accommodation, easy access from the airport, car rental, supermarket and attractions.
The cost was just right for what you get and I'd happily stay again (better then other places I looked into).
We stayed 4 weeks in this Silver Reef apartment. The accommodation was very comfortable with high end kichen appliances, furniture & video equipment. We enjoyed sitting on the balcony on the
sunloungers with views over 2 pools to the golf course & sea beyond.
There was a choice of 4 swimming pools & it was never crowded as many of...
It is a very modern, specious, fully furnished apartment with nice view, 3 balconies where you can dry your swimsuits and towels and access to 3 good size pools warmed by the sun. We ate the breakfast outside on one of the balconies and other meals we ate out. The only thing we missed was a coffee maker (not a...
Rates are calculated based on the latest information provided. Please contact the manager/owner to confirm actual rates for your requested dates.


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Out of the 3 sites I support using 2010 theme 2 have lost the ability to add to the Secondary Widget Area and the footers. The content is still there but I cannot edit it.
This seems to have happened since updating to 3.2.2
I haven't edited any of the code on the themes. Any support gratefully received.


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PROPPER I.C.E.? Men's Performance Polo - Short Sleeve Black
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94% polyester / 6% spandex Advanced wicking dries 125% faster than cotton 30% faster than traditional polyester Fade shrink and wrinkle Hidden collar stays Extended length for tucking Gusseted mesh underarm
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Definition of decolour in English:
(US decolor)
verb[with object]
Remove the colour from.
Example sentences
- Syrups, and many animal, vegetable, and saline solutions, are decoloured or whitened by agitation with animal charcoal.
- The bacteria only are stained, while all other elements are decolored.
- A patent was granted, in the year 1848, to MH Picciotto, for two several methods of purifying and decoloring all varieties of gum-arabic.
For editors and proofreaders
Line breaks: de|colour
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Despite the sentiment among citizens that they are equal regardless of religion, oppression of minority religions is enshrined in Egyptian law.
Asma Uddin is Legal Counsel at the Becket Fund for Religious Liberty, a non-profit, non-partisan law firm based in Washington, D.C. She is also Founder and Editor-in-Chief of altMuslimah.com, a webmagazine covering issues related to gender and Islam. Deborah O'Malley is a fellow at the John Jay Institute.
Stories by Asma Uddin and Deborah OMalley
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- Report: #1048584
Report - Rebuttal - Arbitrate
Complaint Review: Bryan Christopher Moon
Bryan Christopher Moon44 N Front Street Memphis, Tennessee USA
Bryan Christopher Moon Bryan Christopher Moon home repair rip off took money did not do work Memphis Tennessee Memphis Tennessee
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Contracted Moon to do work on my house after a tornado hit. Paid him 15,000 dollars up front to do the work. He started then spent all the money on himself and didn't finish nor would he give my money back. He has done this to many other people around Memphis. Took him to court and won but he has everything in his mother's name and couldn't collect a cent. Never do business with this man. We found out he does this to other people. This is how he makes his living.
Memphis, Tennessee
This report was posted on Ripoff Report on 05/05/2013 12:43 PM and is a permanent record located here: http://www.ripoffreport.com/r/Bryan-Christopher-Moon/Memphis-Tennessee-38103/Bryan-Christopher-Moon-Bryan-Christopher-Moon-home-repair-rip-off-took-money-did-not-do-1048584. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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About Us
Children Welcome
We love to see the little rascals coming to stay at our child friendly hotel. As a family run property with 29 rooms we have incorporated family rooms to cater for you and your children. The children's menu has delicious healthy meals which are available in both the Bar Bistro and The Candle Room Restaurant. Allow us to entertain your little ones when you arrive. From board games to popcorn and movie nights as well as babysitters on call you won't have to worry about entertaining the children. As a resident with us, we offer complimentary passes to the nearby leisure club so be sure to pack the kid's swimming suits, so you and the children can venture only 4 doors down to the Club. There is also a gymnasium, steam room and Jacuzzi for the adults to enjoy. If that's not enough to tire them out then experience the Playground located opposite the Cathedral Church near to the entrance of the Killarney National Park which is 10 minutes walk from our doorstep. From Kennedy's pet farm to the Buddies indoor play centre, there is plenty to do whatever the weather!
Click here to view our great Family Package
Partrons of Killarney Royal are welcome to use our sister property The Malton Hotel, leisure facilities.
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All the best offers in Killarney with rates from €89pps
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Killarney Royal Hotel, College St, Killarney Town, County Kerry, Ireland. V93 XC90Tel : +353 64 6631853 Fax: +353 64 6634001
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- Report: #347746
Report - Rebuttal - Arbitrate
Complaint Review: Idearc Media
Idearc MediaP. O. Box 619009, DFW Airport, Texas U.S.A.
Idearc Media I asked not to be listed and was billed anyway, account was turned over to credit co. DFW Airport Texas
*UPDATE Employee: customer service
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This report was posted on Ripoff Report on 07/05/2008 02:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/Idearc-Media/DFW-Airport-Texas-75261/Idearc-Media-I-asked-not-to-be-listed-and-was-billed-anyway-account-was-turned-over-to-cr-347746. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Running on a simple test install of 3.0.1, I activated the plugin and WordPress told me:
"The plugin generated 116 characters of unexpected output during activation. If you notice "headers already sent" messages, problems with syndication feeds or other issues, try deactivating or removing this plugin."
Is the unexpected, expected?..


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With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
Sometimes it helps to have a manipulative to move around when learning how to balance chemical equations. This manipulative is a template made on card stock, and sets ...
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New Enterprise Stone & Lime Co., Inc. has provided the absolute best service in quarrying, contracting and building materials since 1924. This business is truly in our blood.
NESL is involved in every stage of the construction process. From producing and processing stone and asphalt, to constructing buildings and stadiums, to all the construction supplies needed for any project, NESL likes to see things from start to finish. Many of our projects have won prestigious awards, such as PQI (Pennsylvania Quality Initiative), Erosion Control, and Asphalt Pavement Quality. Several of our plants and quarries - where the majority of our construction materials originate - have received many Safety Awards for outstanding safety records.
New Enterprise Stone & Lime Co., Inc. takes pride in each of our completed projects. Whether it's bridge construction, new road construction, or paving a residential driveway, we strive to provide the highest quality material and workmanship to finish the job. Many of our projects have won prestigious awards, such as PQI (Pennsylvania Quality Initiative), Erosion Control, and Asphalt Pavement Quality.
We started as a family, and we remain a family. That's part of what makes NESL such an amazing company to work for – there's a certain extra passion for what we do you won't find elsewhere. We work hard, and have since 1924. But we believe in the value of our work, and can proudly admire projects of ours still in use after nearly 100 years. If you've got dedication and passion, we want you to become part of the NESL family. Apply today!Learn More...


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China Mobile Could Really Use the iPhone
China's leading wireless carrier is growing too slow.
Are the "Best Companies To Work For" Your Next, Best Investment?
"Best Companies To Work For" in China may trounce the S&P 500, but here's why you shouldn't invest in these stocks.
The 25 Highest-Yielding Dividend Stocks in October
The 25 highest-yielding dividend stocks in October.
Why China Mobile Might Be Due for a Drop
Does this analyst make a good case? Or is it just more noise from Wall Street?
China Mobile-Apple Rumors Inch Closer to Reality
These rumors are starting to look more like facts.
Is Apple's iPhone Facing Potential Problems in China?
Are there more problems ahead as the latest iGadgets are set to arrive?
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China isn't saving the day this time around.
The S&P's Top Dividend Stocks Have This in Common
The three highest-yielding stocks are all from the same industry, while the fourth has similar characteristics.
China Mobile and Apple: Could It Finally Be?
Has the long-awaited deal finally been made?
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Establishing a strong economic foundation is the first step to solidifying Europe's investor climate
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You may not like it but you can't deny it — America's enemies would vote Obama.
Now that New Yorker editor David Remnick has said he'd do it all over again, here's an idea for the next cover satirizing rumor-mongering conservatives:
Keep the Stars and Stripes smoldering in the fireplace, but move the scene of the flag burning from the Oval Office to an unidentified room in Gaza City. Substitute the picture of Osama bin Laden hanging on the wall with a smiling portrait of the Obamas. The image of Barack Obama will also appear on the "Hope" T-shirts that two young Palestinians manning phones are wearing. In one bubble coming from a telephone will be a FARC terrorist in military fatigues holding a phone to his shoulder while writing out a check; in another, Kim Jong Il — wearing a "Yes We Can" hat — will also be making a financial contribution to the Democratic nominee.
Sophisticated New Yorker readers are sure to catch the irony, even if they're unaware of the fact that young Palestinians in Hamas-controlled Gaza have actually set up phone banks to rally support for Obama. Many Barack Obama supporters believe that any mention of the fact that the candidate is disturbingly popular with America's enemies is akin to saying that he is a stealth jihadist. It's fear-mongering at its worst and not worthy of a respectful campaign.
At least that was the reaction the McCain campaign received back in April when Christian Ferry, McCain's deputy campaign manager, sent an email with the subject "Hamas Weighs in on U.S. Presidential Election" to donors. It read:
Barack Obama's foreign policy plans have even won him praise from Hamas leaders. Ahmed Yousef, chief political adviser to the Hamas prime minister said, "We like Mr. Obama and we hope he will win the election. He has a vision to change America."
We need change in America, but not the kind of change that wins kind words from Hamas, surrenders in Iraq, and will hold unconditional talks with Iranian President Ahmadinejad.
This was much different than the spurious emails being circulated claiming that Obama is "some kind of Muslim Manchurian candidate, planted by Islamic fundamentalists to betray the country." Yet that didn't stop Will Thomas of the Huffington Post from saying that Ferry's email was evidence that McCain had chosen not to run a respectful campaign. Later, when McCain himself said that Hamas wants Obama to be the next president, a post at Daily Kos declared that such "distortions" prove McCain "doesn't think much of the people he seeks to serve at all."
In fact, it's the people crying foul whenever Obama's unwanted endorsements are pointed out who want to keep the American people in the dark. McCain actually has confidence in the public's ability to reason: "If Senator Obama is favored by Hamas I think people can make judgments accordingly."
The American people can also judge for themselves whether it's important that, in addition to Hamas, Obama has been praised by the FARC, Kim Jong Il, and Fidel Castro. If — as the left so often claims — it's a disaster that President Bush is "hated" by our allies, wouldn't it be even worse to have a president who is loved by our enemies? Bush may be despised in European universities, but he's also been al-Qaeda's worst nightmare since 9/11. Some even argue — convincingly — that the terrorist group has already been defeated.
Obama sometimes tries to sound tough when it comes to terrorism. For example, he has said that he takes the threat "deadly serious" and would attack al-Qaeda targets inside Pakistan. But terrorists can be forgiven for thinking this is just election talk. Just eight days after 9/11, in an op-ed for the Hyde Park Herald, the senator blamed the attacks on "a failure of empathy" that "grows out of a climate of poverty and ignorance, helplessness, and despair." As Charles Johnson of Little Green Footballs pointed out, Obama made no mention of the role radical Islam played in the hijackers' lives. Perhaps that's because acknowledging that an ideology of hatred is behind the murdering of innocents requires one to face the uncomfortable truth that force is often a prerequisite for victory. On the other hand, the belief that we only need to understand where our enemies are coming from allows a person to maintain the delusion that diplomacy and a touch of humility are the answers. Ask yourself this: Would Obama agree more with actress Maggie Gyllenhaal, who once said that "America has done reprehensible things and is responsible in some way" for 9/11, or President Bush, who told the country "on 9/11, our nation saw the face of evil"? (Hint: Gyllenhaal's rhetoric could have easily come from the mouth of Reverend Jeremiah Wright or former Weatherman William Ayers, two people who haven't bothered Obama half as much as Bush has.)
Actions do speak louder than words, but Obama's record in the Senate won't strike fear in the hearts of those who employ terror to further their goals either. (It does, however, scare those American voters who worry more about Obama's fortitude than, say, whether Muslim women in headscarves were seen sitting behind him at an event.) Last year, Obama opposed a non-binding resolution designating Iran's Revolutionary Guard Corps as a foreign terrorist organization because it would send a "wrong message not only to the world, but also to the region." But what about the message that needed to be sent to Iran, the country that is killing U.S. soldiers in Iraq and threatening to annihilate Israel? As McCain, who did vote for the resolution, said, "Holding Iran's influence in check, and holding a terrorist organization accountable, sends exactly the right message — to Iran, to the region, and to the world."
Obama also voted against the Iraq War spending bill because it didn't contain a timeline for withdrawing U.S. troops. This followed his own January 2007 proposal which would have set a March 31, 2008, deadline for withdrawing troops from Iraq.
If you think al-Qaeda couldn't care less about whether American troops remain in Iraq, consider what happened in Spain in 2004. Socialist Jose Luis Rodriguez Zapatero promised he'd withdraw Spanish troops from Iraq if elected. Terrorists bombed Madrid trains just days before the election with the goal of intimidating Spanish voters to vote for the Socialists. The last Spanish troop left Iraq in May 2004.
Yes, it's disgusting to engage in a whispering campaign linking Obama to terrorists. But is it really unfair to say that by voting for Obama you are voting the way America's enemies would like you to vote?
Click to view image: '205135-obama2f.jpg'
John McCain is ready to lead Barrack Obama is not.
Posted Jul-24-2008 By
(4) | Report
Seems to be the Liberal way any more love our enemies and hate America.
Posted Jul-24-2008 By
(4) | Report
We can't afford a NObama
Posted Jul-24-2008 By
(2) | Report
b hussein wont last the 4 months
come Nov everyone except the few obamatrons
will see him exactly for what he is
Poll numbers are already %55 of the American people believe he will say whatever it is you want to hear
Those numbers will be in the high 80's by Nov
Posted Jul-24-2008 By
(2) | Report
Wait till you hear the mess that came out of obama's mouth today at the Berlin Wall,What interest do people in another country have in listening to his sermon,its just embarrassing to us as americans for this fool to travel around the world(that already dislikes our government policies)and speak out of his Arse!Who pays for his little escapade of redderic?
Posted Jul-24-2008 By
(2) | Report
Perfect title bro...
Posted Jul-24-2008 By
(1) | Report
ALL of Americas enemies support Barry. Name one that does not.
Posted Jul-24-2008 By
(1) | Report
The point of this crap is to say Obama is the same as the enemy.
Posted Jul-24-2008 By
(-2) | Report
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Musical Theatre, BFA
Musical Theatre Career Opportunities
The BFA in Musical Theatre is a professional degree program designed to prepare our graduates to pursue careers as performers and leaders in musical theatre.
- Actor
- Dancer
- Theatre Management
- Vocal Performer
Alumni Spotlight | Division of Creative and Fine Arts
Osmary Nieves '12
Osmary Nieves graduated from Lees-McRae in May of 2012 with a BFA in Musical Theatre. Since then, she has worked at The Lost Colony performing as Agona and with Missoula Children's Theater bases out of Missoula, MT. While working with the Missoula Children's Theatre, she has toured and directed children thoughout the United States, Canada, and abroad. She was recently selected to tour internationally in Japan, Guam, and Singapore.
Successful Lees-McRae Alumni
Went Knipe '10
Graphic Designer at Nike
Todd Morgan '95
Theatre Programming Coordinator for the John. F. Kennedy Center


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Gun range clean-up…
September 2, 2015 by Leave a Comment
Rangely author is award finalist
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Letter to the Editor: Big heartfelt thanks!
January 23, 2012 by Leave a Comment
Dear Editor: Just a note to say thank you to all those of you out there in Rio Blanco, Moffat, Uintah and Mesa Counties, who reached out to us during the illness and death of Nigel Urie-Stanton-Weldon. Her worst fears, and ours, happened on Christmas Eve when she had a massive stroke which completed her […]


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C/N/731. Dissertation outline. Impact of team sports on subjective well-being in post-breast cancer patients: case of Dragon Boating
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C/F/940. Proposal. Role of Banks in Combating the Problem of Money Laundering. Case study Samba Financial Group
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Post Tagged with: "Kaiser Permanente"
Kaiser Permanente Named a Top-Scoring Company on Disability Equality Index SurveyKaiser Permanente received a high score of 80 percent, earning the 'top-scoring' distinction and recognition as one of the DEI Best Places to Work.
Kaiser Permanente's Wendy Lee Named Among the Top 50 Most Powerful Women in Technology by National Diversity CouncilOAKLAND, Calif. – This month, Kaiser Permanente Senior Vice President Wendy Lee was honored as one of the top 50 most powerful women in technology by the National …
Top Companies for Women: What 3 Best Practices They All HaveThe companies with the best data for women in management and senior roles use three best practices most frequently – mentoring, employee-resource groups, and flexible workplaces
What Sets The DiversityInc Top 10 Apart?What is the difference between the Top 10 and the rest of the DiversityInc Top 50? Deep CEO and senior leadership involvement, creating the need for best practices that lead to significant human-capital improvements.
Obamacare Even Works in Red States … If You Let ItTwo of the states with the greatest success in implementing Obamacare are a pair of largely anti-Obamacare states. But one used a neat trick to make it work.
VIDEO: Culturally Competent Care—Race/EthnicityCommunicating with patients in a culturally competent manner is the key to improving mortality rates for ALL people, said Dr. Winston F. Wong, Medical Director, Community Benefit and Director, Disparities Improvement and Quality Initiatives, Kaiser Permanente, at DiversityInc's event.
Heeding Dr. King's WordsKaiser Permanente Chief Diversity and Inclusion Officer Dr. Ronald Copeland shares how Dr. Martin Luther King Jr. inspired him to champion healthcare injustices.
Kaiser Permanente Demonstrates Commitment to Early Detection With Guinness World Record in MammogramsA total of 5,939 possibly lifesaving mammograms were administered at Kaiser Permanente facilities across the country.
Video: Making Room at the TopHow do you move people from underrepresented groups into the highest level? What happens if no one at the top is leaving?
Video: Reducing the Black and Latino Physician ShortageWhat can hospitals do to create a pipeline of physicians from these groups and to effectively recruit and retain them?
Video: Driving Clinical ExcellenceHow diversity and inclusion has helped Kaiser Permanente improve the quality of care that the organization delivers to patients.
Shortage of Primary Doctors Could Derail Benefits of Affordable Care ActWith millions of patients expected to be added to insurance rolls, will there be enough primary-care physicians to serve them all?
Kaiser Permanente Highlighted in Healthcare Equality Index 2013Kaiser Permanente Highlighted in Healthcare Equality Index 2013 Kaiser Permanente named as 'Leader in LGBT Healthcare Equality' by national survey OAKLAND, Calif. — Kaiser Permanente …
Language Challenge: Selling Health Insurance to 2.6 Million CaliforniansTo reach the thousands of newly insured people who don't speak English, Kaiser Permanente, WellPoint and others rely increasingly on cultural competence in a variety of languages.
Can Black and Latino Doctors Solve the Primary-Healthcare Crisis?Studies show that Black and Latino medical students are more interested in primary care and more willing to practice in underserved areas.
Kaiser Permanente Partners with Centers for Disease Control and Prevention to Strengthen Public Health Infrastructure in HaitiKaiser Permanente Partners with Centers for Disease Control and Prevention to Strengthen Public Health Infrastructure in Haiti PORT-AU-PRINCE, Haiti — Representatives from Kaiser Permanente and …
Why Are So Many Blacks & Latinos Fat? Research From Manufacturers Hides the TruthManufacturers cleverly hide products' dangers behind corporate-responsibility campaigns.
Dr. King & Civil Rights: How Walmart, AT&T & More Keep It RelevantWhat best practices do companies use to commemorate MLK Day and align celebrations with diversity-management strategies? How important is it to make the day a holiday?
Web Seminar: Ensuring Diversity in Succession PlanningCase studies from IBM, CVS and Kaiser Permanente show the talent-development strategies needed to successfully include diversity and inclusion into your succession plan.
Interview With Bernard Tyson, Next CEO of Kaiser PermanenteCultural competence in healthcare and diversity in succession planning are critical to the future of Kaiser Permanente, the next CEO, Bernard J. Tyson, told DiversityInc the day he was named to the position.
What Disease Hits Black Men Most?A new study by the Kaiser Family Foundation documents which illnesses and health factors are affecting Black men more than other groups.
Kaiser Permanente será anfitriona de la Reunión de Otoño para Miembros del NHCC 2012 en Berkeley, California, con el tema: "Desarrollo de una cultura empresarial saludable: un acercamiento innovador para prosperar en el mercado actual"WASHINGTON, 1 de octubre de 2012 /PRNewswire-HISPANIC PR WIRE/ — El Consejo Nacional Corporativo Hispano (National Hispanic Corporate Council), una organización sin fines de lucro, asociada …
Hospitals, Insurance Companies, Pharmas: Who Benefits From the Affordable Care Act?Healthcare reform is forcing many organizations to rethink their business strategy—but those committed to diversity management have a marketplace advantage.
Diversity Management at Kaiser Permanente: This Female Muslim Entrepreneur Brings Sensitivity to SuppliersDiversity management in supplier diversity at Kaiser Permanente benefits from Dr. Sally Saba's unique perspective of the world—she grew up in Egypt and successfully ran a small business in the United States.


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Android 2.2 Coming to myTouch 3G series
Genius Button, Exchange support also confirmed.
With all of this talk about iPhone 4, the EVO 4G and the Droid Incredible, other smartphone owners are feeling left out or overlooked. Owners of one of T Mobile's myTouch series phones will get a treat in the form of Android 2.2 later this year.
In addition to the onboard features such as Flash support, cloud synching, tethering and the ability to stream your home music library, myTouch users will also get the Genius Button functionality and full Microsoft Exchange support.
It will be interesting to see how Flash works on the older myTouch models, as reports have been popping up online that it kills performance on the Nexus One. We'll update the story when we get a confirmed release date.
Issue 190/2016
Buy this issue as a PDF
LinuxCon North America Convenes in Toronto, Canada
Linux Foundation's big event celebrates the 25th anniversary of Linux
Linux Turns 25
Linux has evolved from a "won't be a professional" project to one of the most professional software projects in the history of computers.
Mirantis Joins Hands with SUSE To Offer RHEL Support; Red Hat Not Happy
Competitors get in the game with RHEL without Red Hat
Linux on Windows 10 Poses a Security Risk
Security researchers have already notified Microsoft; some fixes are available
Mirantis to Refactor OpenStack Fuel for Kubernetes
The company is collaborating with Google and Intel to use Kubernetes as an engine for Fuel
Canonical Joins Document Foundation Advisory Board
The upcoming release of LibreOffice will be available as a snap package
SUSE Joins the Microsoft Test Drive Program
Customers can take a free test drive of SLES for HPC on the Azure Cloud
SiFive Launches a Line of Open Source Chips
San Francisco-based chip company announces their first fully open source chip platform.
Fedora 24 Released
The whole distro gets rebuilt on glibc 2.3
Canonical Announces Cross-Distro Support for Snaps
Ubuntu Vendor tries to solve app packaging and distribution problem across distributions.


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July & August's Bakery Item of the Month: Blueberry Cream Cheese Tart, (1)* 8" x 10" tart for only $9.95
Seafood Extravaganza: Thursday, August 25 from 5:00 p.m. to 8:00 p.m.
Summer High Tea: Tuesday, August 30 from 2:30 p.m. to 4:00 p.m.
The Brown Faculty Club provides a year-round, private and attractive gathering place in the heart of the Brown University campus that is perfect for dining or for entertaining associates, friends, and family.
The Club's well-appointed, flexible interior provides suitable facilities for private parties, wedding receptions, banquets and departmental meetings. Lunch and dinner service is also offered.
Membership in the Faculty Club is open to all Brown Faculty, Clinical Faculty, and Staff. The privilege of membership also is extended to Alumni/Alumnae, Parents of enrolled students, and special friends of Brown. And as members of the Brown Faculty Club, you have reciprocal privileges to over a hundred other clubs around North America, Israel, England and Spain. The Brown Faculty Club is a member of Association of College and University Clubs, which includes some of the finest campus-based clubs in the country and around the world.
You can be sure your tastebuds will be in good hands. We buy from local farms through Community Harvest and Farm Fresh Rhode Island initiatives. During the growing season, you can find greens, tomatoes, herbs and cucumbers from Arcadian Fields and other family farms. All of our cooking oils are also transfat-free.
We invite you to enjoy the elegant experience that awaits you at the Brown Faculty Club. Lunch is served Monday to Friday 11:30 AM - 2:00 PM. Dinner is served Wednesday to Saturday 5:00 - 8:00 PM seasonally. Please stay tuned to our website for our summer hours.
The Club is closed for Breakfast other than functions and also Sunday, Monday and Tuesday nights for a la carte dinner.


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Sensors 2010, 10(11), 10198-10210; doi:10.3390/s101110198
Plastic Optical Fiber Displacement Sensor Based on Dual Cycling Bending
1 Department of Mechanical and Electro-Mechanical Engineering, National Sun Yat-Sen University, Kaohsiung, 80424, Taiwan 2 Department of Vehicle Engineering, National Pingtung University of Science and Technology, Pingtung, 91201, Taiwan
* Author to whom correspondence should be addressed.
Received: 28 September 2010 / Revised: 9 November 2010 / Accepted: 10 November 2010 / Published: 15 November 2010
(This article belongs to the Section Physical Sensors)
View Full-Text | Download PDF [528 KB, uploaded 21 June 2014] |
AbstractIn this study, a high sensitivity and easy fabricated plastic optical fiber (POF) displacement sensor is proposed. A POF specimen subjected to dual cyclic bending is used to improve the sensitivity of the POF displacement sensor. The effects of interval between rollers, relative displacement and number of rollers on the sensitivity of the displacement sensor are analyzed both experimentally and numerically. A good agreement between the experimental measurements and numerical calculations is obtained. The results show that the interval between rollers affects sensitivity most significantly than the other design parameters. Based on the experimental data, a linear equation is derived to estimate the relationship between the power loss and the relative displacement. The difference between the estimated results and the experimental results is found to be less than 8%. The results also show that the proposed POF displacement sensor based on dual cyclic bending can be used to detect displacement accurately.
This is an open access article distributed under the Creative Commons Attribution License (CC BY 3.0).
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Kuang, J.-H.; Chen, P.-C.; Chen, Y.-C. Plastic Optical Fiber Displacement Sensor Based on Dual Cycling Bending. Sensors 2010, 10, 10198-10210.View more citation formats
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Kuang J-H, Chen P-C, Chen Y-C. Plastic Optical Fiber Displacement Sensor Based on Dual Cycling Bending. Sensors. 2010; 10(11):10198-10210.Chicago/Turabian Style
Kuang, Jao-Hwa; Chen, Pao-Chuan; Chen, Yung-Chuan. 2010. "Plastic Optical Fiber Displacement Sensor Based on Dual Cycling Bending." Sensors 10, no. 11: 10198-10210.
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text: A police radar unit transmits microwaves of frequency 4.00 � 1010 Hz, and their speed in air is 3.00 108 m/s. Suppose a car is receding from the stationary police car at a speed of 146 km/h. (a) What is the frequency difference between the transmitted signal and the signal received from the receding car? kHz (b) Suppose the police car is, instead, moving at a speed of 60 km/h in the same direction as the other vehicle. What is the difference in frequency between the emitted and the reflected signals? kHz


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Candlewood Suites Kansas City-Overland Park
Candlewood Suites Kansas City-Overland Park
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Situated near the border of Missouri, the Candlewood Suites® Kansas City - Overland Park hotel exudes an air of easy living. Our hotel accommodates the needs of business and leisure guests with a number of amenities and a great location. Easily accessible from I-435, our hotel is positioned in the center of College Square and just a few streets over from Overland Regional Medical Center. We are only 25 miles from the Kansas City International Airport (MCI), making for a direct route to our hotel. Come stay in comfort.
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- Check In: 3:00 PM
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Important Update
- On-site Guest Self-Laundry Facilities
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It's hard to leave your best buddy at home when you're traveling for extended periods, so we provide a pet friendly experience. Restrictions and fees apply.
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Getting Here
Guest Reviews
Overall Experience
Great Stay
August 23, 2016
Enjoyed my time at this Candlewood. Great price and location. Will be back again when in the area.
Great service but room below standard
August 08, 2016
The cleanliness of the room was far below standards (bathroom had layers of dust on cabinets
room shampooing
August 03, 2016
I applaud the hotel for shampooing the carpets in the rooms. However they should not give them out to a customer that same day or at least until the room is dry. When we went into our room the chairs were stacked in the kitchen area and the trashcans on the table. It was obvious the carpets had just been shampooed. Because the climate control in the room is 'green', it shuts off after 15 minutes, the room had not dried out and was very very humid to say the least. The room never dried out while we were there over night. Everything in the room was sticky from the humidity even when we left the next day. I told the manager when we checked out that maybe it would be a good idea to put fans in the rooms after shampooing and not rent them the same day. She thanked me and said she would give me a couple extra thousand points in my spire account for our inconvenience.I am still waiting on those points.
Very Comfortable bed.
August 02, 2016
We had a family of four in a queen suite. We could not figure out how to adjust the temp in the room for a few days and the tile in our bathroom was loose by the tub.But overall we had a great stay and it was a comfortable place to lay my head. We did do laundry while we were there and it was FREE! Bonus for us since we had to do kids clothes. I gave it a 4 out of 5 stars due to the temp in the room and the tile that was loose in the bathroom.


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Florida Center of Corporations7983 SW Jack James Drive, Stuart FL 34997 Davie, Florida United States of America
Florida Center of Corporations Florida Center of Corporations SCAM Davie, Florida
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August 01, 2014
By RFE/RL
The new head of the Organization for Security and Cooperation (OSCE) mission to Moldova has arrived in Chisinau to begin his term.
U.S. Ambassador Michael Scanlan took up his post on August 1, replacing former mission head, Jennifer Brush, who left last month.
Scanlan issued a statement saying he is "confident we can continue working towards a settlement" of the conflict between Chisinau and the breakaway region of Transdniester "despite recent worrying developments."
Scanlan will participate in the next round of OSCE-mediated talks in the so-called 5+2 format, scheduled to be held in Vienna in September.
Scanlan has spent 23 years in the U.S. State Department, most recently as director for Eastern European affairs and charge d'affaires in Minsk.
Radio Free Europe/Radio Liberty © 2016 RFE/RL, Inc. All Rights Reserved.


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I am still SHOCKED with what has conspired at Chelsea . I thought that Mourinho should have been given a chance to win the Champions League which Abrahmovic seems to be obsessed with . I thought Chelsea would be sensible enough to wait for the season to end after which they could have taken some course of Action depending on the Results . It really looks like that it will be a season to forget because i do not see any Top class Manager coming to Chelsea this season except perhaps Didier Deschamp who is not such a Bad bet after all . What makes me really sick is the sight of Shevchenko who is probably the reason why there was a rift between The Manager and The Chairman . Sheva cant play in the BPL as he is not Target man nor a supporting striker and should move to Italy


text: Housed in a charming 16th-century Renaissance building, Hotel Bílý Koníček enjoys a convenient location right on Třeboň Main Square. It offers free Wi-Fi access and free private parking on site. Functionally designed rooms are decorated in light shades and feature wooden furniture. Each room has a TV. The restaurant serves local cuisine. A selection of well-known local beers is available at the bar. Guests can play table tennis at the hotel or relax in a nearby park only 200 metres away. Spa resorts in Třeboň are easily accessible from the hotel. There are many possibilities for hiking and cycling. Třeboň surroundings include a network of bike routes and the hotel has a bike storage room. Lake Svět and several smaller lakes are within a few-kilometre radius. České Budějovice is 25 km from Bílý Koníček. Hluboká nad Vltavou Castle is 30 km away.


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Coffee: Why Online Buying is More Advisable Coffee is one of the most selling commodity all around the world. It is never lost in households. Did you know that you can buy coffee beans online? Purchasing beans through the Internet and getting them from your local coffee shop or grocery store are two very different things. You will discover that beans sold online are much fresher than those which are displayed in supermarkets.
5 Key Takeaways on the Road to Dominating Machines
Lessons Learned About Coffee
First of all, you need to understand that coffee beans do not last that long after they're roasted. They can stay fresh and crisp for about two weeks but after this period, they can lose the flavor that they are most loved for. You never know how long grocery stores have kept the beans stored and shelved, which means you aren't sure of the product's freshness. You can't really be sure how fresh a product is even if it is labeled as is. If you're someone who wants to stick with freshness and flavor, local store coffee beans are not recommended. Experts suggest that you opt for online shopping if you want to retain the flavor and great aroma that you enjoy in the best coffee beans you can find. There will still be some stores offering fresh beans but the truth is, you can never be sure of this. The demand for coffee is also increasing which makes it even harder to find genuine fresh beans. There will also be coffee houses that offer fresher beans compared to those you see in the supermarket. However, these shops may not be close to your area. Fortunately, you no longer have to drive around or spend hours searching for a coffee house that sells fresh beans. The Internet gives you the power to obtain the best coffee beans without stepping out of the house. This is the gift of technology for coffee lovers. There are now fresh coffee beans being sold online. You simply have to go online and look for what you need. Buying coffee beans from online vendors gives you assurance that the beans are fresh from the roasting room before they are sent to you. This is much more convenient than dropping by the grocery store. Also, you won't have to travel around town to buy the product. Online stores will have various bean types for you to choose from. You can always compare prices among different stores if you're looking for the best deal. Finding the best coffee beans online has never been this easy. Finally, the best thing about shopping for beans online is that most vendors include freebies and promotions with your purchase. In your first purchase, you can either get a free mug or small coffee bean pack at no cost, or you can get a coupon for a discount when you make a second purchase. The options regarding freebies and promotions are endless if you opt for online coffee stores.