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|Sussex v Warwickshire
|RJ Hamilton-Brown, LJ Wright, IJL Trott
|Twenty20 Cup 2009
DateLine: 28th July 2009
Sussex Sharks brushed aside their Friends Provident Trophy disappointment to reach Twenty20 Cup finals with a 38-run victory over Warwickshire Bears.
 After losing to Hampshire in the final of the 50-over domestic event at Lord's on Saturday, Michael Yardy did well to rally his troops in just the two days available.
 Battinf first, Sharks were restricted to 152-9.
 The hosts though appeared on course for a far bigger total when Luke Wright (38) and Rory Hamilton-Brown (27) shared a second-wicket stand of 47 to take their side to 75-1.
 But then Rikki Clarke (2-21) removed both in quick succession and a succession of middle-order wickets, including those of four run outs followed as the Bears took control.
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 And though wickets kept falling, the Bears remained in control as Trott brought up his 50 from 42 deliveries.
 However, the introduction of Hamilton-Brown's off-spin turned the game Sussex's way.
 He first removed Tony Frost (6) and, then crucially, trapped Trott lbw for 56 in the space of his first three balls.
 That reduced Warwickshire to 91-6 and the tail quickly subsided to 114 all out in 19 overs, Hamilton-Brown finishing with 4-15 from three overs.
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Teradata Corporation (NYSE:TDC)
Q4 2009 Earnings Call
February 11, 2010 8:30 am ET
Michael Koehler – President & CEO
Stephen Scheppmann – CFO
Darryl McDonald – CMO
Gregg Swearingen - IR
Wamsi Mohan – BofA Merrill Lynch
Kathryn Huberty – Morgan Stanley
Mark Kelleher – Brigantine Advisors
Alex Kurtz – Merriman & Co.
Matt Summerville – Keybanc Capital Markets
Nabil Elsheshai – Pacific Crest Securities
Derrick Wood – Wedbush Securities
Greg Halter – Great Lakes Review
Good morning ladies and gentlemen and welcome to the Teradata fourth quarter 2009 earnings call. (Operator Instructions) I will now turn the call over to Mr. Gregg Swearingen.
Gregg Swearingen
Good morning and thanks for joining us for our 2009 fourth quarter earnings conference call. Michael Koehler, Teradata's CEO will lead our discussion highlighting Teradata's fourth quarter and full year results.
After Michael's remarks, Stephen Scheppmann, Teradata's Chief Financial Officer will provide more details relating to our 2009 financial performance as well as our 2010 guidance. Darrell McDonald, Teradata's Chief Marketing Officer, who is responsible for strategy and business development is also in the room to answer questions.
Our discussion today includes forecasts and other information that are considered forward-looking statements. While these statements reflect our current outlook, they are subject to a number of risk and uncertainties that could cause actual results to vary materially. These risk factors are described in Teradata's 10-K and other filings with the SEC.
On today's call we will also be discussing certain non-GAAP financial information such free cash flow and revenue comparisons in constant currency. A reconciliation of our non-GAAP results to our reported GAAP results and other information concerning these measures is included in our earnings release and on the investor page of Teradata's website at www.teradata.com. A replay of this conference call will also be available later today on that website.
Teradata assumes no obligation to update or revise the information included in this conference call whether as a result of new information or future results. I will now turn the call over to Michael.
Michael Koehler
Thanks Gregg, and good morning everyone. Teradata finished the year with a record fourth quarter and 2009 reporting revenues of $496 million, up 1% from a strong fourth quarter in 2008 when revenues grew 9% in constant currency.
Revenue for the full year was $1.17 billion, down 3% from 2008 and down 1% in constant currency. The Teradata team had strong execution in 2009 with meaningful gross margin improvements, particularly in our services business and excellent expense management which allowed us to deliver increased operating income and increased earnings per share on lower revenue.
More importantly our results for 2009 included investments for our futures. Increased investments in R&D, our partners, and additional sales territories. We extended our technology lead with innovative new releases in our data base software, Purpose-Built platform family, Teradata virtual storage, and in key analytical applications.
As a result we have positioned ourselves stronger as we enter 2010. Looking our business from a regional perspective, the Americas region had a strong Q4 generating $300 million of revenue, up 5% from the fourth quarter of 2008 and on top of a prior year Q4 when revenues were up 14% in constant currency.
Revenue for the full year was roughly flat with 2008 at $981 million. Overall solid performance for 2009. In Q4 the Americas brought in a number of significant new accounts including Southern Cal Edison, one of the largest utility companies in the US. We are placing additional focus on utility companies as they transform power generation and distribution through the implementation of smart grids and smart metering technology.
Navistar, one of the largest wireless companies in Chile, is installing a data warehouse and Teradata relationship manager to consolidate customer information and create personalized offers. United Supermarkets, a regional grocery in Texas, which is leveraging our Teradata accelerate program, which allows new customers to get started quickly and easily as they deploy an integrated data warehouse.
A leading Fortune 500 health insurer who serves more than 70 million consumers and Caterpillar Logistics, a subsidiary of Caterpillar which is one of the top five supply chain and logistic businesses in the US, which will use Teradata to support service parts management, demand forecasting and inventory planning, and supporting very high data volumes with roughly five terabytes of new data per day.
The Americas region also saw a broad based upgrade activity in the quarter including Dell, which is both a customer and supplier, upgraded its data warehouse and is adding active applications to support its strategy of delivering global [BI] including executive dashboards. Direct TV which uses Teradata to load and analyze set top information, to provide better content and support to their subscriber base.
One of the top three beverage manufacturers in the US which is integrating Teradata with its SAP supply chain management and demand planning applications. One of the top five motion picture studios in the world is expanding their Teradata warehouse in support of their DVD and Blu Ray inventory application. One of the largest toy retailers added to their Teradata system to support organic growth and additional workload from consolidating data marks. The Teradata solution also enabled the retailer to analyze sales every 15 minutes which was extremely valuable in the days leading up to the holiday shopping season. And also Lowe's, Sirius, and The Gap were among expansions in the quarter.
In EMEA revenue of $106 million in the fourth quarter was down 7% from the fourth quarter of 2008. For the full year revenue was $430 million, down 5% from 2008. Adjusting for currency full year revenue in the EMEA region was up 2% from the prior year which was a good performance for 2009.
New wins from EMEA included Ziroc Bank, the largest bank in Turkey, who chose Teradata to help it become more competitive by leveraging strategic and operational information. One of the top property and casualty insurance companies in the Czech Republic and one of the largest banking institutions in Russia with over 20,000 branches and over 2050 million customers. EMEA also saw good upgrade activity from many different leading companies including ABM Ambro Bank in the Netherlands which is adding customer data from their merger with [Fordis] Bank supporting new government reporting requirements, integrating Basil II data and adding new risk information.
DGT, the Spanish Department of Traffic, which is continuing to grow their system and consolidating multiple data marts into their Teradata data warehouse. DGT uses Teradata to identify the root cause of traffic accidents and has seen a 20% reduction in the number of accidents and also decline in traffic fatalities to levels last seen in 1967. One of the top three global leaders in international express mail is now using Teradata to help with revenue assurance and collect unbilled revenue.
HSBC Holdings, one of the largest banks in Europe, one of the world's leading auto manufacturers is upgrading their system to detect vehicle faults and quality issues earlier and more comprehensively. Telephonica, Spain's largest teleco, BBVA, the second largest bank in Spain, Pupa Health Insurance, the largest private healthcare insurer in the UK, Belgicom International Carrier Services, and one of the top mobile operators in Poland is deploying an active application to identify fraud within minutes.
Asia Pacific/Japan reported $90 million of revenue in the fourth quarter, down 4% from the fourth quarter of 2008. For the full year revenue was $298 million, down 9% from 2008 and down 10% in constant currency. In 2009, proved to be a challenging year for us in APJ. Key contributors to the decline included lumpiness for timing of major banking upgrades in Australia, softness in retail in Japan, and delays in teleco expansions in China and Japan.
APJ new customer wins in Q4 included AND Bank, the largest bank in Australia, which selected Teradata to help them align and consolidate fragmented reporting environments onto a common scalable platform. This will also enable them to get a complete view of their customers for new marketing strategies. Smart Communications in the Philippines, chose Teradata to consolidate separate data stores into a single system for lower total cost of ownership and ease of maintenance,
Neptune Orion Lines in Singapore and Chiba Bank the second largest regional bank in Japan.
Upgrades included overseas Chinese Banking Corporation of the top three financial institutions in East Asia, Aflac, a top 10 insurance provider in Japan, and one of the world's largest LCD manufacturers which will expand their Teradata warehouse to include cross-factory defect analysis and to enhance yield rates as well as reducing overall inventory.
I was very pleased with the performance of our services business across all the regions in 2009. Overall our services business grew revenues 3% as reported and 4% in constant currency. The consulting services team improved margins significantly while providing outstanding service and value to our customers.
Effective utilization of resources leveraging offshore resources and overall expense management were the key drivers of the margin improvements. Not only was 2009 one of our best years operationally it was one of our best years ever in terms of innovation. Teradata 13 was our most powerful data base release in our history. We announced the world's first solid-state drive data warehouse appliance. Teradata Virtual Storage, which automatically places data on different types of storage devices based on its usage. This results in lower storage costs and increased performance for our customers.
Market leading tools such as Teradata View Point for performance management, and in addition we launched the Teradata Enterprise Analytics Cloud, our first public and private cloud-computing offer. And last we strengthened our applications including Teradata Relationship Manager, and Teradata Integrated Web Intelligence.
I was very pleased that last week Teradata received recognition once again as being the clear leader in the Gartner Data Warehouse Magic Quadrant. Teradata has been in the leader's quadrant since 1998 and just this week Gartner published its newest server evaluation model and again Teradata is ranked number one data warehouse DBMS server. I encourage you all to read these reports.
Last I'd like to share some information on the approximate revenue contribution by industry for 2009 which excludes maintenance. Financial services which includes banks, capital markets, credit card and insurance companies, remained our largest industry contributing 28% of our total revenues, about the same as in 2008 when it was 29%.
Communications which includes telecommunications, cable, ebusiness, media and entertainment companies finished at 23%, down from 28% in 2008. The decline was driven primarily from the timing of major expansions with some Fortune 500 customers here in the Americas and to a much lesser degree in APJ.
Retail increased to 17% from 16% in 2008 and grew double-digits in the Americas. Manufacturing contributed 10% compared to 11% in 2008. Healthcare grew to 8% of our business, up from 4% with very strong growth in the Americas. Government increased two points to 7%, with very strong growth in APJ and in the Americas. Travel and transportation was 6%, flat compared to prior year and with good growth in APJ. Other industries made up 1% of our revenue in 2009.
The investments we have been making in healthcare and government in particular in the US have resulted in good growth for those industries. I am pleased with Teradata's overall position in the market and the performance of the Teradata team in 2009 and look forward to a good year going forward.
Going into 2010 uncertainty and complexity in the business environment will continue to drive investments in BI and analytics. New regulations and government policy in health and energy will also help drive demand and new data types such as sensor data and manufacturing and click stream and social media data from the web, will all drive greater demand for BI and analytics.
However more and more executives recognize the need to obtain a holistic view of the enterprise with transparency and granularity of information. Having consistent and detailed information that can be shared across organizations that is updated and accessed real time for decisions, is key for companies to compete in the marketplace.
And this is best provided with an integrated enterprise data warehouse architecture. The world's leading companies have proven you have to break out of the status quo model and build an agile integrated data architecture to achieve greater insight and speed in decision-making and the reduced costs. This is what Teradata does.
Our competitors on the other hand advocate status quo and steer away from this best in class data architecture as they can't handle the high complexity workflow management and scalability of an integrated EDW with multiple applications and thousands of users running concurrent ad hoc and complex queries in addition to standard reporting.
We expect the market will continue to move to an EDW architecture as companies realize the value that data has being integrated and shared and Teradata is the clear leader in doing it. Looking at 2010 we expect revenue to increase 7% to 9% from 2009 including one to two percentage points of benefit from currency which we expect to yield earnings per share of $1.54 to $1.64.
Based on the strong activity we are currently seeing in particular in the Americas, we expect to be at the higher end of the revenue guidance for the first half of the year. However given the limited visibility we have for the second half of the year we have modeled in a more conservative revenue number for the second half.
Stephen will now share more details regarding our fourth quarter and full year performance as well as our 2010 expectations.
Stephen Scheppmann
Thanks Michael, and good morning everyone. Teradata delivered another solid performance in the fourth quarter of 2009 highlighted by record setting performances across some of our business categories including total revenue, consulting revenue, Americas revenue, and services gross margin dollars.
Revenue of $496 million was up 1% from the strong fourth quarter we reported in 2008, down 3% in constant currency. We grew 9% in constant currency in the fourth quarter of 2008. Product revenue of $239 million was down 4% from the fourth quarter of 2008 as the economy still weighed on IT CapEx spending.
In constant currency product revenue was down 7%. Services revenue however of $257 million was up 6% with consulting services being up 4% and maintenance services being up 7%. In constant currency services revenue was up 1%. For the full year total reported revenue was down 3% to $1.71 billion. In constant currency total revenue was only down 1% from 2008.
Product revenue for the year of $772 million was down 9% from 2008 and down 7% in constant currency. Services revenue of $937 million was up 3% or up 4% in constant currency. Reported revenue for consulting services was up 2% and maintenance revenue was up 3%. While in constant currency consulting services was up 4% while maintenance services was up 5% for the year.
Gross margin in the fourth quarter of 2009 was 56% compared to 54.6% in the fourth quarter of 2008. We had a meaningful increase in our product gross margin while holding our line on services gross margin. Gross margin for the year was 54.9% up one point from 53.9% in 2008. Product gross margin of 67.8% increased 420 basis points from 63.6% in Q4 2008.
The increase in product gross margin was primarily driven by improvements in the Americas region, and to a lesser extent in the EMEA region which saw more favorable deal mix as compared to the fourth quarter of 2008 which countered the increased amortization of previously capitalized software development costs that we have described in earlier earnings calls.
Although we drove very attractive gross margin in Q4, we continue to expect higher amortization of software development costs to create pressure on product gross margin in the foreseeable future. As a reminder when you amortize previously capitalize software development cost the amortization is recorded in cost of product on the income statement.
Much like we saw in Q3 and Q4 of 2009 we roughly expect another $11 million of higher amortization to record in 2010 compared to 2009 again creating the possibility of a headwind for product gross margin. The proxy for future amortization is the amount of software development costs being capitalized and we capitalized $59 million in 2009 compared to $52 million in 2008.
Product gross margin for the year was 65.2% an increase of 80 basis points from the 64.4% achieved in 2008. Again we are pleased with our performance in 2009 especially since we were facing the headwind of increased software amortization.
Services gross margin in the quarter was about the same as reported last year at 45.1% versus 45.3% in Q4 2008. As was the case throughout 2009 we drove solid yields in margins in our services business. Consulting services gross margin benefited from a higher utilization of internal resources, lower outside contractor service costs, and a greater leverage of our offshore capabilities.
We began to hire additional consulting resources in Q4 to keep up with the demand for these services. As these new resources are trained and become more fully productive, we anticipate that this will somewhat soften our services gross margins from the high levels we achieved in 2009.
We are likely to add these new resources on a gradual basis not intending to drive significant increase in these costs or to hit margins in any one period. Services gross margin for the full year was up 240 basis points to 46.4% due to our active management of our cost structure in this business.
Moving to a geographical view of our gross margin, in the Americas region gross margin was 60.7%, a meaningful improvement from the 57.2% in the fourth quarter of 2008 largely due to the impact of a favorable deal mix on product gross margin and improvements in our consulting services business compared to Q4 2008.
Americas gross margin was 58.1% for the full year versus 56.6% in 2008 again largely driven by an improvement in our consulting services business and to a lesser extent the improved product deal mix which more than offset the increased amortization of software development costs and the impact of higher level of services revenue.
Gross margin in the EMEA region of 51.9% was roughly the same as the 51.8% reported in the fourth quarter of 2008. EMEA gross margin was 53.5% for the full year an increase from the 51.9% in 2008 due to the improvements in our consulting services business that we described earlier.
Gross margin in APJ was 45.6%, a decline from 50% in Q4 2008. The decline was driven by lower services margin and the impact of lower product volume. APJ gross margin was 46.3% for the full year versus 48.3% in 2008. Again the decline was largely due to the impact of lower product revenue volume.
Turning to our expense structure SG&A expenses in Q4 2009 increased $1 million from a year. The slight increase was driven by selling expense from the increased number of sales territories which was offset by continued focus on holding down overhead and other discretionary expense such as travel, entertainment, compensation, and outside services.
For the year SG&A of $483 million was $25 million below the 2008 levels, a 5% reduction, while absorbing the expense of our strategic initiatives such as our investments in incremental sales territories and strategic partnerships.
However as we discussed last quarter we expect a continued increase in our selling expenses in 2010 as we add more sales territories consistent with our sales territory expansion strategy. We will also have a moderate compensation increase in 2010 which we did not have in 2009 while we froze salaries and we will see an increase in training and education expenses.
Overall in 2010 we expect SG&A expenses to increase at a rate less than our overall revenue growth rate. R&D in the quarter was $34 million versus $30 million in the fourth quarter of 2008. In large part this was due to the timing of specific R&D expenses which hit in Q4 versus Q3 as we described last quarter. For the full year research and development was $117 million versus $108 million in 2008.
For 2010 we expect research and development expenses to increase slightly greater than 10% year over year. As a result of these items discussed Teradata's operating margin in the fourth quarter was 21.4% versus 20.7% reported in Q4 2008. For the full year we just missed 20% coming in at 19.8% versus 18.9% in 2008.
For 2010 we expect operating margins to be in the 19% to 20% range. Below the operating income line as has been the case all year, interest income was not sufficient to offset the costs of our cash and foreign currency management programs. For the year we had $4 million of other expense versus $5 million of other income in 2008, again due to the lower interest rate environment and the write-down of an equity investment.
Our effective tax rate in Q4 2009 was 21% down from the 23% tax rate used in Q4 2008. Our effective tax rate was lower in Q4 2009 due to recognizing the annualized effects of previously estimated permanent differences. For the full year our tax rate was 24% versus the 26% in 2008. Again influenced primarily by the annualized activity in the fourth quarter.
For 2010 we expect our annual effective tax rate to be approximately 24% to 25.5%. Summing it all up GAAP EPS in Q4 2009 was $0.48 versus $0.45 in Q4 2008. For the full year GAAP EPS was $1.46 versus $1.39 in 2008. Excluding impairment charges in Q3 of each year and a tax adjustment in Q3 of 2008 our non-GAAP EPS comparison was $1.48 in 2009 versus $1.42 in 2008.
We are pleased that we were able to increase our earnings per share in 2009 despite the economic challenges and our continued investment in sales resources during the year. Many of you have asked how much stock based compensation expense is included in our operating income and EPS results. During the quarter stock based compensation expense was approximately $6 million or $0.02 per share.
For the full year 2009 stock based compensation expense was approximately $23 million or $0.08 per share. We expect approximately the same amount of stock based compensation expense in 2010 as we had in 2009 or approximately $0.08 per share.
Turning to cash flow generation, cash from operating activities was $91 million in Q4 2009 down from the $118 million generated in the fourth quarter of 2008. The largest contributor to the 2008 results was changes in assets and liabilities. That change was smaller in 2009. After $27 million of capital expenditures including increased capitalization of software development costs, and property, plant, and equipment, versus $13 million in the fourth quarter of 2008 we generated $64 million of free cash flow down from the $105 million of free cash flow in Q4 2008.
During 2009 Teradata generated $455 million of cash from operating activities compared to $440 million in 2008. Capital expenditures in 2009 were $88 million compared to $71 million in the prior year yielding $367 million of free cash flow for the year versus $369 million in 2008. Teradata defines free cash flow as cash flow from operating activities less capital expenditures for property and equipment and additions to capitalized software.
Turning to the balance sheet, we had $661 million of cash as of December 31, 2009 a $43 million decrease from the end of the third quarter as share repurchases more than offset our free cash flow generation. During the fourth quarter we repurchased 3.4 million shares for approximately $103 million. For the year our cash and short-term investment balance increased $219 million from the end of 2008 despite using $175 million to repurchase approximately seven million shares in 2009 investing roughly the same amount in our shares in 2009 as we did in 2008.
Since our Board's initial share repurchase authorization at the beginning of 2008 we have repurchased 15.5 million shares of our stock or approximately 9% of the outstanding for approximately $350 million. We have approximately $234 million of Board authorization remaining fro open market share repurchases. As we said before, we expect that the rate of our buyback will continue to fluctuate each quarter taking into account among other things, our working capital needs, our stock price, alternative uses of cash, and the economic and market conditions.
Approximately 30% of our cash is available in the US. With respect to our accounts receivable DSO, day sales outstanding, was 83 days as of December 31, 2009 compared to 93 days as of December 31, 2008 which speaks to the quality of our customers and our relationships we have with them. To provide further transparency around currency movement and the potential impact of revenue, we provided on our website additional detail regarding how currency has moved in 2009 and how this movement is expected to impact our year over year revenue comparisons in 2010, assuming the currency exchange rates as of the end of January.
We expect currency to create one to two point tailwind for us in 2010 and a five to six point benefit in Q1 2010. Michael provided some revenue and EPS guidance earlier in the call but I want to give a little more color on some specific items.
Although we had another solid quarter in Q4 and we are looking at a healthy pipeline for the first half of 2010 it is not clear what the second half of 2010 will look like. As a result our guidance for 2010 is 7% to 9% revenue growth with our growth in the first half of the year probably tracking at the higher end of that range. As we discussed with you last quarter we expect some of our costs and expense lines to grow faster in 2010.
As a result we expect our EPS improvement for the year to be less than our long-term target of growing EPS at twice our revenue growth. Specifically as we have discussed before we anticipate headwind on our services gross margin as we add to our consulting teams. Higher [inaudible] expenses due to more sales territories. Normal increases in G&A such as base compensation increases and a return of expenses that were eliminated or reduced in 2009 including training and education.
And research and development increasing slightly greater than 10% over the 2009 levels of $117 million. That said we are very happy with how we are positioned and eager to operate in what we hopefully going to be a better economic environment than what we've seen over the last two years.
In closing Teradata continues the lead in data warehousing and enterprise analytics market. And this is due to our technology leadership position, our strong customer base and relationships, serving and enabling the global 3000, our expanded product family, our geographically diverse business model, our strong recurring revenue model from our existing high quality customer base as they routinely increase the size and the scope of their enterprise data warehouses, as well as the annuity revenue stream that comes from our maintenance business.
And finally our strong capital position, $661 million in cash, not debt and a very attractive free cash flow model. And with that we are ready to take questions.
Question-and-Answer Session
(Operator Instructions) Your first question comes from the line of Wamsi Mohan – BofA Merrill Lynch
Wamsi Mohan – BofA Merrill Lynch
Your results in the Americas were very strong, up 21% sequentially you mentioned some increased purchases from large customers like Dell are you seeing signs that customers in the installed base are now coming back to purchase more capacity after a really mediocre first three quarters of 2009, and did you see any specific large deals that drove the strength that might have pulled forward any demand in the fourth quarter.
Michael Koehler
I would say the fourth quarter behaved somewhat normal so we didn't see any significant changes in budget flushing or acceleration in the quarter and in fact, we continue to see very good activity in particular in the Americas as we entered into the first quarter of this year.
Wamsi Mohan – BofA Merrill Lynch
And if we look at the growth of 7% to 9% for 2010 can you give us some color on expectations by region.
Michael Koehler
At this juncture it's a little bit early to comment on the, we do see based on the activity we have visibility to in the first half that we should be at the higher end of the revenue guidance and as we entered into the year the Americas activity was stronger than the international regions. So the visibility that we have for the first half, the Americas from what we can see should be stronger than the, both EMEA and Asia Pacific/Japan.
Wamsi Mohan – BofA Merrill Lynch
Can you update us on where you are on your sales territories build out and your expectations for 2010 and what you expect your revenue contribution in 2010 from the sales hires over the past several quarters.
Stephen Scheppmann
We're continuing on our build out of the new sales territories. As you are aware we exited 2008 with 40, 2009 we're exiting the year with slightly greater than 60, and still on target for a minimum of 90 new sales territories at the end of 2010. We did have targets with respect to revenue generated by the new sales territories.
We had positive revenue generation in 2009, was it where we would have expected given the economic conditions, no, so below that number, lower, and in 2010 we continue to see expect to have positive contribution from the revenue side incrementally, is it going to be at the levels that we previously discussed, no with the challenges in 2009, with the economic challenges, we expect that to come in slightly below that.
But we're still optimistic on those new territories in 2010.
Michael Koehler
Generally speaking we're pretty pleased with the performance of the new territories and the yields that we received in 2009. As Stephen mentioned its slightly below where our expectations were in 2009 and based on what we're seeing as we sit here today it may be slightly below what we had said on 2010 but its still very early in the year and we've been really pleased with the return on the territories.
Your next question comes from the line of Kathryn Huberty – Morgan Stanley
Kathryn Huberty – Morgan Stanley
Just back on the strength in the Americas region, do you have a view yet as to whether your market share gains or your wins rates accelerated in the region or is your view that it was really just a broad economic improvement that drove the results.
Michael Koehler
There really hasn't been any material change in win rates when we look at 2008 and 2009. We're just seeing in the user base as well as in new accounts generally a pick up in demand. We've had significant if you will delays and deferrals that have been going on since in the 2008 and 2009 and we are seeing an uptick coming from that as upgrades, expansions, continue to materialize, like what we saw in the fourth quarter in the Americas and the type of activity we're seeing right now as we've entered into 2010.
Kathryn Huberty – Morgan Stanley
And then just as a follow on to the last question about regional growth in 2010 there are obviously some concerns about a few countries in Europe right now as it relates to how it could influence demand this year and also a weaker euro influencing revenue growth, do you think its fair to say that your assumptions for that region in 2010 are pretty conservative such that if these concerns last for a few quarters that that's already in your guidance.
Michael Koehler
I wouldn't call what we've planned for EMEA in 2010 to be conservative or impacted a lot by some of the specific countries you're alluding to and some of the struggles there. Overall as we stand today we feel pretty good about the business. But the second part of your question as it relates to currency that's, and the euro, that's a real variable to the business and our guidance is based on seeing a 1% to 2% type of tailwind from currency and obviously if the thing moves down or moves up by any significant amount that's a risk.
Kathryn Huberty – Morgan Stanley
And then have the new sales territory additions, has there been a skew by geography or has that been pretty well spread across the three different regions.
Michael Koehler
Its been fairly well spread. Just the sizes of the enterprises here in the Americas and the revenue contribution of the Americas would skew it proportionately. But we're pretty pleased with the distribution of the revenues we're receiving from the new territories and as we look at 2010 as well.
Your next question comes from the line of Mark Kelleher – Brigantine Advisors
Mark Kelleher – Brigantine Advisors
I wanted to focus on those gross margins, very nice gross margins there, you mentioned that it was a favorable deal mix, could you perhaps describe what's in a favorable deal.
Stephen Scheppmann
Yes a favorable deal mix would be really the, if we have a large floor sweep or a tech refresh where we had in Q4 2008, we had some, where you have more hardware versus software. In Q4 2009 we didn't have those large refreshes or floor sweeps that we had in Q4 2008 and our third party revenue if we had more third party content that would generally drive down the margins.
So we had a very good mix by region across the board from a product deal perspective. Those are the really big drivers of that margin.
Mark Kelleher – Brigantine Advisors
And could you touch on how your analytics cloud has been doing and how that might effect gross margins if it gets rolling.
Darryl McDonald
Its actually progressing nicely. As you know we introduced it in fourth quarter last year. Its not really contributing any significant revenue today but we have built up an environment at Amazon that's allowed lots of people to actually start testing Teradata as new prospects and customers so we've had quite a bit of interest and some downloads. Both of our Teradata Express addition which is a free download for people to try as well as trials on the Amazon Cloud.
Where we're really seeing more activity around cloud capability is in the private cloud environment with our user base so many of them are starting to experiment with how to build an agile enterprise cloud environment with their current installed base and there we're starting to see some increased activity but its going well, but not a major contributor from a revenue standpoint at this time.
Your next question comes from the line of f Alex Kurtz – Merriman & Co.
Alex Kurtz – Merriman & Co.
So just back on the product margin uptick this quarter, can you just give us some color on the competitive environment and maybe were you able to, was there less competitive pressure in the quarter that also helped the margin.
Michael Koehler
The competitive pressures and so forth haven't changed materially at all. So I wouldn't characterize that as having an impact on the product margin and its basically driven by the types of things that Stephen was discussing earlier.
Alex Kurtz – Merriman & Co.
So as we look into 2010 if you think there's going to be more product refreshes within your installed base should we be more optimistic about being able to sustain a higher product gross margin going forward.
Stephen Scheppmann
No, I would say its from an overall perspective I mentioned we had that $11 million of software amortization coming through on the product margin. We had a good deal mix in Q4. I would, if you look at our product gross margin over a six-quarter period, that generally gives you a good flavor, again you've heard the lumpiness story quarter by quarter.
That generally gives you a good flavor and then you can bake in that additional $11 million of software amortization coming through there, should give you a good picture.
Alex Kurtz – Merriman & Co.
And I think most companies would not have a lot of visibility into the second half of 2010 at this point, so are you just being conservative with your commentary around 7% to 9% because it would, in your commentary that the first half is going to be better or is there something within your installed base and as you look out at your pipeline it does concern you about the back half.
Michael Koehler
The second half its strictly due to lack of visibility and we've put some conservatism into the second half outlook just based on the visibility, no drivers, nothing at the macro level. Its just we have a pretty good handle on the activity we're seeing in the first half which we're very encouraged by and we've chosen the model in a more conservative view of the second half with the unknowns that are there.
Your next question comes from the line of Matt Summerville – Keybanc Capital Markets
Matt Summerville – Keybanc Capital Markets
A couple of questions relating to some of the things that have already been asked, one of the questions was about budget flush, I actually thought I heard you say that you saw deferrals in a couple of areas specifically with teleco in the Americas and I believe some specific set of customers in APJ, so can you provide a little more color on that.
Michael Koehler
Just to clarify what we're saying is I didn't see any higher degrees of budget flush than we typically see in a quarter in the fourth quarter and some of the delays like with some of the Fortune 500 companies here in the Americas its just more due to timing. Its not due, I wouldn't call it an economic thing or anything else, I would call it the normal lumpiness that we've always seen over the years and the pluses and the minuses we see.
You get a fairly significant Fortune 500 type of customer who upgraded, did a major expansion like in 2008 and they don't do an expansion in 2009. It can have a significant impact on the results for an industry or for a region. So in the Americas we had some pluses in the lumpiness in other industries and what I mentioned was when looking at the com industry results for the year, we had a decline and that was an example of the negatives of lumpiness in 2009.
The flipside of it is it becomes an opportunity for us in 2010. In APJ the delays are much smaller dollars but still has a similar kind of impact when you look at the APJ results. So some of those areas I alluded to earlier like delays in teleco in China and Japan and banking in Australia, those become opportunities in 2010.
But at the end of the day its just the lumpiness we have in Teradata when you look at large transactions with some large customers and how it impacts results by industry or by region and from year to year.
Matt Summerville – Keybanc Capital Markets
How would you describe I guess how the average duration in your sales cycle has trended over say the last 12 to 18 months. Where was the peek if there in fact was one, and have you see that sales cycle start to shorten and then maybe just a follow on to that is maybe you could talk a little bit more about specifically what some of your more meaningful customers are reflecting or saying about their capital budgets for 2010.
Michael Koehler
As far as sales cycles go there's really, you really have to look at it a couple of different ways. One of them is new account acquisition and there our average sales cycle is longer. When you run into a rough economic type of environment the sales cycles in new accounts actually are impacted to a lesser degree.
The bigger impact in sales cycles occurs in the user base with companies trying to defer spending and large CapEx expenditures and so forth and that elongates the sales cycle in the user base and typically with bigger dollars. If you look at where we're at today, I would say the sales cycle in the Americas when you look at the user base as was evident in the fourth quarter and the activity we're seeing now, to a degree has shortened.
I wouldn't call it significant but its shortened so we're seeing a little bit of an acceleration in upgrades in the user base. Internationally I would say its still running pretty much the same, the sales cycles and the user base as well as new accounts.
Matt Summerville – Keybanc Capital Markets
I actually have one more question, there's been a lot of focus on the expense inflation we're going to see in 2010, as we think about where you're at with your current R&D cycle, how should we think about that longer term if you have in 2011 the full run rate benefit from all these sales territories you've been adding, if you're on kind of the downside from an expense standpoint in your R&D cycle shouldn't we see pretty huge operating leverage once you get beyond 2010 for your business.
Stephen Scheppmann
No, its really too early to tell and really too early to get into that. We're continuing one of our strategic initiatives as we continue to invest and grow the research and development as it relates to our products. And this is one of the things of coming out of the spin with [NCR] that we're very committed to do and you see that commitment growing in 2010 slightly greater than 10% over the 2009 levels.
And we're still committed to that so, but on the flipside we continue to look at making sure we're getting the efficiencies and driving the returns out of those investments so that's why I'm saying its too early to tell. If we're getting those returns and its reflecting through product revenue and gross margin improvement we'll continue to make that investment. So at this point in time I guess the tagline is to say is its really too early to discuss it in 2011 and the leverage that we would get.
Your next question comes from the line of Nabil Elsheshai – Pacific Crest Securities
Nabil Elsheshai – Pacific Crest Securities
If I could follow up on the telecom in particular there's been some reports including I think at one of your bigger customers about them over investing in network and I'm wondering if that is having an impact on what you're seeing and maybe some of the reasons for the delay in some of the deals on the IT side and if so, it would seem like that would be more of a several quarter type of impact instead of something that would reverse in one quarter, is that incorrect.
Michael Koehler
Good point, in China we saw an increased focus and expenditures in network infrastructure and 3G that got prioritized and that did contribute to some of the teleco expansions for Teradata not occurring and being delayed in 2009. We don't see it a long-term delay. Our activity there is picking up and it won't be a long delay. It did impact us though in 2009 to your point.
Nabil Elsheshai – Pacific Crest Securities
And is that the same in the Americas as well, obviously AT&T made a lot of noise on their earnings call about investing in the wireless network.
Michael Koehler
The Americas, no.
Nabil Elsheshai – Pacific Crest Securities
Could I get an update on SAP, is the integration on track for I believe release this quarter and then how is the sales and rollout going. Have you worked out all the go to market details.
Darryl McDonald
Yes we have worked out all the go to market details. I would say the partnership is progressing well. We've had activity that's continuing around the business intelligence and analytics work that we're doing in both SAP and Teradata accounts, so that's still on a good track and we're seeing positive activities. We've also had some joint solutions that we released in the fourth quarter that we shared with our partners around their new SAP business object explore, Teradata is going to certify that, have a platform that supports that.
We think its going to be a nice solution for leveraging the enterprise data warehouse in both Teradata and SAP accounts. On the port front we are continuing the port activities. We were originally planning on having it ported in the first half, unfortunately due to some issues that we both have come across its going to be pushed out to the second half of 2010.
So we're still making progress, we're still having good success in the market but we are going to have a slight delay in the port and it will move to completing in the second half of 2010.
Nabil Elsheshai – Pacific Crest Securities
I was wondering if I could maybe get some commentary on free cash flow and if you could provide any color on both capitalized software expense and CapEx in 2010.
Stephen Scheppmann
Total I would say still in that range of 80 to 90 total PP&E and capitalized software, pretty consistent with the prior years, maybe up $5 million or so on that. With respect to free cash flow, we had very good performance again this year on our receivables performance, down to 83 days DSO from 93 days. So my proxy, my benchmark has always been net income plus or minus $25 million.
In the last two years because of the management of the working capital we've been greater than that, $367, $369 million in the last two years, so I would expect us to be more down to kind of my benchmark of net income plus or minus $25 million with capitalized software and PP&E in that $80 to $90 million range.
Nabil Elsheshai – Pacific Crest Securities
And then just so I'm clear, you had mentioned R&D is going to grow a little faster than revenue what about cash spend on R&D if you can account for capitalized expenditures, is that a similar growth rate.
Stephen Scheppmann
Yes that will increase, as I mentioned we went from $52 million in 2008 to $59 million in 2009, that will continue to increase in line with that percentage expense increase probably.
Nabil Elsheshai – Pacific Crest Securities
And then I missed it what was the percent of revenue from retail and from manufacturing.
Michael Koehler
In 2009 retail was 17% and manufacturing was 10%.
Nabil Elsheshai – Pacific Crest Securities
And then I think you have made a little bit of an effort on new customer acquisition and maybe some [inaudible] markets is there an update there and what kind of traction are you seeing.
Michael Koehler
We don't disclose the number of new account wins. I will say the number of new account wins was very good, very strong, in the fourth quarter, second half of the year. And a lot of new account wins with the appliances across the board in the US as well as a lot new account wins in international.
And overall we're on a pretty good rhythm on new accounts. The funnel is up and the activity is up.
Your next question comes from the line of Derrick Wood – Wedbush Securities
Derrick Wood – Wedbush Securities
Just a question on the balance sheet so deferred revenue usually see some sequential growth in Q4 if you look at it historically, looks like it was actually down quarter over quarter this quarter, could you give us some color as to what the reason was for this.
Stephen Scheppmann
Behind the deferred revenue number on the balance sheet there's really three components, there's our deferrals for maintenance, our deferrals for subscriptions, and our deferrals for what I call product deferrals under GAAP from a revenue, software revenue recognition rules.
Our maintenance and subs behind that number grew as you would expect 2009 over 2008. Where we showed the decline was very specific product or transactions that are basically unique to the deal and where under GAAP I would have to defer revenue based on the structure of the transaction.
Those transactions vary quarter by quarter and year over year. And typically sometimes you get at the end of the year some structures that when you review them and go through them, require deferral of product or revenue and those vary again year by year.
That's where the difference resulted, nothing unusual in the maintenance and the subscriptions that gets capitalized on the balance sheet as of quarter end or year-end. So nothing unusual behind it other than the one-time transactional items.
Derrick Wood – Wedbush Securities
So extrapolating that would you say that the deferred license revenue component dropped quarter over quarter from Q3 to Q4.
Stephen Scheppmann
That would be one of the, that would be the driver, the unique transactional product revenue that was deferred.
Your final question comes from the line of Greg Halter – Great Lakes Review
Greg Halter – Great Lakes Review
Just a couple of quick ones for you relative to the cash on the balance sheet, obviously you had a very good position here, wondered if you could discuss your capital structure thoughts of corporate repurchase versus any possible M&A type activities.
Stephen Scheppmann
In 2009 we're about one half of our free cash flow 2008, one half of our free cash flow we continue to be very aggressive and opportunistic in the market with respect to our stock. We'll continue to do such. We always look at M&A activities or opportunities particularly from a technology perspective and also from a top line revenue perspective.
So there's been no changes in our assessing our capital structure with respect to taking advantage of those opportunities in 2009 and as I look forward in 2010. So its pretty consistent and again the emphasis on the technology and emphasis on the top line revenue growth.
Greg Halter – Great Lakes Review
And one last one, do you have the number of employees as of the end of the year.
Michael Koehler
It was 6,600 I believe.
Okay, I'd like to thank everyone for joining the call. We're looking forward to 2010 and we look forward to talking to you all again next quarter. Thank you.
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text:
Joy Kessler and Jeffrey King exchanged wedding vows at 1:30 p.m. Saturday, June 22, 2013, at St. Joseph Catholic Church, Tiffin. The Rev. Neil Walters was officiant during the double-ring, Catholic nuptial Mass. A reception followed at Masters Building, Upper Sandusky.
Joy is the daughter of David and Martha Kessler of Republic.
Jeffrey is the son of Thomas and Mary Jane King of Richmond Heights.
The bride, given in marriage by her father, wore an ivory satin, strapless ballgown with a sweetheart neckline and natural waist. The gown featured embroidered lace on the bodice and throughout the pleated skirt, as well as a crystal accent belt, cascading back peplum, covered buttons and a cathedral train. She carried a bouquet of white, pink and yellow roses.
Samantha Ruffing, friend of the bride, served as maid of honor. Bridesmaids were Jaclyn Jensen and Valerie Karhoff, sisters of the bride, Mary Jane King, sister of the groom, and Elizabeth Miley, Amy Nims and Mandi Callahan, friends of the bride. They wore maize one-shoulder, chiffon, floor-length dresses featuring a fitted natural waist. They carried smaller versions of the bride's bouquet.
Kevin Jerse, friend of the groom, was best man. Groomsmen were Timothy King and Gregory King, brothers of the groom, and Brendan Boone, Ryan Hoover, David Perry and Michael Ballistrea, friends of the groom.
The groom's godson, Connor King, was ring bearer.
Joy is a 2005 graduate of Seneca East High School and a 2009 graduate of Ohio Northern University. She is an education and outreach project coordinator for the Ohio Historical Society.
Jeffrey is a 2005 graduate of St. Ignatius High School and 2009 graduate of Ohio Northern University. He is a construction project manager for Lifestyle Communities.
The rehearsal dinner took place at Pioneer Mill.
Following a honeymoon trip to the Dominican Republic, the couple resides in Columbus.


text: Dessert Bar Treat Maker by Smart Planet at Cooking.com Code for free shipping: C98697 Flag this deal What's the matter? Choose a reason Dead deal Duplicate Bad link Spam Inaccurate No value Alive again Edit deal Mishumoshu Aug 22, 2012 Preparation of breakfast on this device is easy. The price is affordable. Reply Load More Comments


text:
"Playing New England on national television is a good way to begin and a good way to find out a little bit about us," Head Coach Jim Fassel said. "I think New England is still an outstanding football team - they won the Super Bowl (at the conclusion of the 2001 season)."
Dates and times for the Giants remaining three preseason games - at home against Carolina and the Jets, and the finale at Baltimore - have not been announced. The Giants will face three of their preseason opponents - the Patriots, Panthers and Jets - in the regular season.
"I haven't decided everything, but sometimes you approach those games a little bit differently," Fassel said. "It will depend on how soon we play them in the regular season. If we play them at the tail end, it won't matter at all. But in general, I think the importance of playing teams in the preseason that you will play again in the regular season is overblown."
Regardless of when the Giants face those teams in the regular season, Fassel said his approach to the preseason games will remain the same.
"I've always played the preseason games the same way and it probably won't change too much," Fassel said. "The preseason is about developing players, seeing guys play and winning. I want to see development and progress in our young veterans, and I want to evaluate our new players at this level of competition."
The Giants players are currently scheduled to report to training camp at the University at Albany on Friday, July 25. NFL rules say they can report 15 days prior to the first preseason game, which would be Wednesday the 23rd. But Fassel said he might not change the reporting date.
"I'm weighing that right now, but I don't think I'm going to change it much," Fassel said. "I'll make a final decision in the next couple of days on the reporting date."


text:
Impressive accomplishment from Audio Zenith
Pros: neutral, great mids, balanced signature
Cons: a bit heavier than stock
Alex is quite in interesting guy. I spent about an hour with him on the phone discussing his journey and his craft. Honestly, it's a compelling story. The story is well known and has been told before so I won't bother to rehash it in great detail. But let me say that I believe that Alex is passionate and talented and that he has something special to contribute to the world of hi end personal audio. I followed the Oppo headphone story closely from the first mention of the product by Jude when the pm-1 was still very much a beta product. Many of us longed for a company to create a comfortable planar magnetic audiophile headphone that would compete with the likes of Audeze and other...(read more)


text:
Tampa Bay Lightning
Red Wings lose 6-4 to LightningMark Didtler TAMPA, Fla. — Tyler Johnson scored a go-ahead power-play goal off a nifty pass from Steven Stamkos midway through the third period and the Tampa Bay Lightning beat ...
Duff: Stamkos not the answer for WingsAdding free agent Steven Stamkos would be sexy, front-page news for the Detroit Red Wings but it won't turn them into Stanley Cup contenders.
Detroit Red Wings
Lightning strikes with late goal to knock out WingsBen Bishop stopped 34 shots, Alex Killorn scored with less than two minutes remaining and the Lightning advanced to the second round of the Stanley Cup playoffs with a 1-0 ...
Down to last life, Wings search for answersThe Detroit Red Wings must rally from a 3-1 series deficit to the Tampa Bay Lightning to advance in the Stanley Cup playoffs.
Detroit Red Wings
Red Wings' Blashill draws upon AHL rallyLast season, as coach of the AHL Grand Rapids Griffins, Detroit's Jeff Blashill rallied his team to win three straight from the Toronto Marlies while facing elimination, the same task ...
Fourth-line centre Andersson delivering for WingsRecalled from the minors on the last day of the NHL regular season, veteran centre Joakim Andersson has been solid for the Detroit Red Wings in their playoff series against ...
Old hands no longer handy for Red WingsAs this Stanley Cup series between the Tampa Bay Lightning and Detroit Red Wings switched locales to Detroit's Joe Louis Arena, team staff busily prepared the media workroom for the ...
Close friends Blashill, Cooper clash in playoffsDetroit Red Wings coach Jeff Blashill and Tampa Bay Lightning coach Jon Cooper became the best of friends long before either became an NHL head coach or Stanley Cup opponents.
Wings not in flap over Boyle's poultry in motionTampa Bay Lightning forward Brian Boyle mocked Detroit forward Justin Abdelader with the chicken dance after the Red Wings refused to fight him at end of Game 3 of the ...
Given the opportunity, Athanasiou delivers for WingsGranted more ice time, Detroit rookie Andreas Athanasiou netted the game winner, his first playoff goal in the Red Wings 2-0 win over Tampa Bay in Game 3 of their ...


text:
Is there ever enough? - No.
To all the ladies at the range: What do you look for in a firearm? - pixelsguy likes to pretend that TFR members includes or interact with the female portion of the human species.
Students for Conceal and Carry open holster protest on October 22-26 - Ever since Virginia Tech gun owners have been trying new and exciting tactics to continue to marginalize themselves in new and exciting ways. Here we have yet another to watch as they attempt to destroy their own image.
10/22 Feed Problems - And you thought your Olympic Arms AR-15 had issues.
Texas State Fair will ban Concealed Carry this year. - The private corporation handling the Texas State Fair has opened up a legal can of comedy by banning guns from the state fair.
Frontin' at Cabela's - Infared35 posts more excuses about why he didn't go to Kovac Freedom 2007 minigoonmeet.
Shooting shit out at Genesee - Canadians don't any have cool guns that Americans can't get, and they totally aren't shooting them in this thread.
FPS2090 abortion has arrived - Now with 100% more tactigay.
Air Force Academy Registers Guns - The USAF Academy IS ON THE SLIPPERY SLOPEEEE TO VIOLATING CADET'S CONSTITUTIONAL RIGHTS OMG GUYZ.
How can I convince my GF to go to the range? - MY GIRLFRIEND.
i will draw sexual images of the first ten posters with avatars itt [NWS OBVIOUSLY] - I'm sexually liberated. Oil me up and if you're a guy you can kiss me to help troll the fundies. Got a lil dash of pink in my hair just to make a point. Fashion...I'm all over that. Your coat is so yesteryear. I'm sassy and gay.
i saw a hindu standing outside a local Mickey D's holding a sign that said - The sign said "Wilin' For Some McDonalds Salad, Lend A Bro $4." He was still standing there when I left, but I like to think that somebody eventually bought him a salad and he shoved his face into it until that ranch dressing was running all down his chin.
lol kanye lost his shit on SNL - GEORGE BUSH DOESN'T CARE ABOUT MY INABILITY TO FREESTYLE. FUCK THE MAN.
when i was 11 my grandmother gave me an XXL FUBU shirt for christmas - Goons discuss urban fashion ITT. I can't afford FUBU gear, but I have a Looney Tunes shirt with Tweety and Bugs all thugged out. I keep it in an airtight bag to preserve the 'tude when I'm not wearing it.
People can't stop talking about this Donald Trump character. He's said a lot of crude and hateful things over the years, and demonstrated a tremendous lack of judgment, discipline and decency. If you ask me, he's not fit to be our president. In fact, he's not even fit to be mayor of Buffoontown.
Two hits. Me hitting you. You hitting the floor.
The same old films, with a brand new twist!
My computer is really tiny and hard to use!
The Something Awful Forums: the last bastion of sanity on the Internet. "Forum Fridays" glances at some of the most interesting and popular threads from nearly each forum, highlighting a handful of threads each week.
Copyright ©2016 Rich "Lowtax" Kyanka & Something Awful LLC.


text:
volcano is chocolate cake no icing to look more real and lava is chocolate tinted red, the mom provided the dinosaur for the cake since her son really wanted the toy on his cake.
CakeCentral.com is the world's largest cake community for cake decorating professionals and enthusiasts.
(if this is a private computer)
Yes please, register now!


text:
Applying for Housing
Thank you for expressing interest in Missouri Western State University Residential Life. Welcome to our Community!
First-time Missouri Western students must access their Goldlink account in order to apply for housing online. A $100 housing deposit, payable by debit or credit card online or check or money order by mail, is required to submit a new housing application. No housing deposit waivers are allowed.
How do I apply for Housing?
- Sign into your Goldlink account.
- Click on the "Student Life" tab within your Goldlink account.
- Click on "MyHousing Information" under the On-Campus Living section.
- Click on the "Applications" drop down menu at the top of the page.
- Choose the appropriate application. (New Students: New Student Housing Application / Returning Students: Returning Student Contract Renewal)
- After signing the contract on page one and completing the student information on page two click continue to choose a meal plan.
On the main page of "My Housing Information" choose "Room Selection" – complete roommate preferences and room / suite preferences, if applicable. Note: New housing students will not be allowed to choose their room online and will receive their assignment near the end of Spring semester.
Frequently Asked Questions:
- Applications are not accepted via fax.
- Applications will not be accepted without a deposit.
- A deposit is required from all students regardless of scholarships or financial awards.
- Room Assignments are made on a first come, first serve basis by date received.
- Questions? Please call (816) 383-7100 for assistance.
If you are unable to access your Goldlink account or require a paper contract you may access the 2016-2017 paper contract here.
Click here for step-by-step instructions on how to apply online.


text:
Brazilian lender Itaú has pursued a strategy to create the first truly pan-Latin America financial institution. Its biggest effort to date is at an impasse. The merger it thought it cleverly struck with Chile's CorpBanca is backfiring in ways that may cost it treasure and face.
Brazil's Itaú is the bank to watch next year
It bills itself as "The Global Latin American Bank." Thing is, it's not - or at least not yet. But solid finances, determined management, a robust stock-market value and a wealth of opportunities from the misfortunes of others could make Itaú's bold ambitions come true in 2012.
Columnists & Contributors
- Andy Critchlow
- Antony Currie
- Ben Kellerman
- Carol Ryan
- Dominic Elliott
- Edward Chancellor
- Edward Hadas
- Fiona Maharg-Bravo
- George Hay
- Gina Chon
- Hugo Dixon
- Jeffrey Goldfarb
- Jennifer Saba
- John Foley
- Kate Duguid
- Katrina Hamlin
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Friday, January 17, 2014
NORFOLK, Va. (AP) — The Navy is remembering three sailors who died after their helicopter crashed in the Atlantic Ocean.
A memorial ceremony is planned at Naval Station Norfolk on Friday.
Five crew members were aboard the MH-53E Sea Dragon when it crashed Jan. 8 about 18 miles off the coast of Virginia Beach during a routine training mission. Twenty-five-year-old Petty Officer 3rd Class Brian Collins, a pilot from Truckee, Calif., and 29-year-old crewman Lt. Wesley Van Dorn of Greensboro, N.C., died after being taken to a local hospital. The remains of Lt. Sean Christopher Snyder, a pilot from Santee, Calif., were recovered on Tuesday.
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0 reviews
National Trust Holiday PropertiesFrom the tip of the St Anthony's headland, there is direct access to the South West Coastal Path, and the views across to Falmouth and St Mawes are breathtaking. The National Trust purchased the headland during the 1950s and converted many of the former military buildings. Holidaymakers can now enjoy this beautiful part of Cornwall whilst staying at stylish accommodation which is rich in heritage. Tiffy's (so named as it was originally the artificer's workshop, ref NT011069) and The Major's Quarter (ref NT011064) are both all on one level and offer comfortable accommodation.The area is rich in history and attractions. In summer, the ferry can be taken across to the sailing town of St Mawes with its superb selection of restaurants, cafés and local art galleries and shops. The walk to the castle on the point is well worth the effort to watch the ships and boats coming and going from Falmouth across the water. Kayaking, stand-up paddle boarding and sailing can all be booked in the town.Molunan is a small beach close to the property. There is also a bird hide nearby to enable viewing of abundant sea birds; alternatively just relax on the beach or take the opportunity to go crabbing amongst the rock pools. The Roseland Peninsula, an AONB, has many pretty little fishing villages clinging to its edges. The village of Gerrans is minutes away, as is Portscatho with its artist colony, where a bargain may be picked up from one of the many galleries. There are many beaches along the coastline of the Roseland Peninsula to explore, and the Eden Project, the Lost Gardens of Heligan, Truro and Falmouth are all within easy reach and worth a visit. Horse riding, golf, sailing and cycling are all available close by. Beach 600 yards. Shop, pub and restaurant 4 miles.
Cosy living room. Compact kitchen/dining room. Double bedroom with 5ft bed and en-suite bathroom with over-bath shower and toilet.
9 reviews
This pretty little cottage sits in well tended gardens, deep in the Cornish countryside and provides an ideal base while visiting many areas of Cornwall. Although nearer the tranquil south coast, the dramatic north coast, with its excellent surfing beaches, is easily reached. The Little House is just yards from the 'Mineral Tramways Trail', one of Cornwall's many cycle networks that links the north coast at Portreath to the South coast near Falmouth. It is popular with walkers, cyclists, horse riders and sightseers as it passes through a rich mining heritage area, dotted with old mine archaeology. A cycle hire centre, café and shop are approximately 500 yards from the front door, right on the trail itself. The world famous Eden Project, the Lost Gardens of Heligan and the Lizard Peninsula, which is the location of Lizard Point and the most southerly point of the country, are all easily accessible from the property. The ancient seafaring town of Falmouth is approx 6 miles away, and provides an excellent centre for many activities such as sailing, windsurfing, pleasure trips and diving. Other amenities available locally are fine sandy beaches, shopping, cinema, restaurants and Pendennis Castle, perched high on Pendennis Point. Falmouth is also home to the National Maritime Museum, two yacht marinas and numerous National Trust gardens. A ferry to the Roseland Peninsula and a sightseeing trip along the River Fal to Truro are also available from one of the town quays. Truro is the capital city of Cornwall and less than 5 miles away, with excellent shopping in the cobbled streets, fine dining in its many restaurants, bistros and cafés, a theatre and museum. Beach 6 miles. Shop, cinema, pub and restaurant 1¼ miles.
All on ground floor: Living room with French doors and sofa bed (for alternative sleeping)/dining room. Kitchen with tiled floor. Sun room. 1 double bedroom. Shower room with toilet.
Electric central heating (underfloor in shower room), electricity, bed linen and towels included. 32" Freesat smart TV. DVD. CD. Electric cooker. Microwave. Washing machine. Dishwasher. Freezer. Wi-fi. Large lawned garden with patio, sitting-out area and furniture. Barbecue. Parking (2 cars). Welcome pack. No smoking. NB: 3 steps and unfenced stream in garden.
7 reviews
The perfect relaxing holiday for couples, this detached holiday cottage is a converted cart shed and provides light, airy accommodation and stunning views across open countryside. Bostreath is centrally located for exploring both north and south Cornish coastlines, just 2½ miles off the A30. Visit the cathedral city of Truro, 6 miles, which has a theatre, cinema, bars and restaurants, or Newquay, popular with surfers, 7 miles. The busy port of Falmouth has the National Maritime Museum, marinas, beaches, coastal walks, castles and the beautiful Helford River. Shop 2½ miles, pub 2 miles.
All on ground floor.Open plan living space: With wooden floors.Living area: With DVD player with a selection of DVDs and iPod dock.Dining area.Kitchen area: With microwave, fridge, dishwasher and washer/dryer.Bedroom: With double bed.Bathroom: With shower over bath, toilet and tiled floor.
Electric central heating, electricity, bed linen, towels and Wi-Fi included. Travel cot. Patio with garden furniture. Private parking for 1 car. No smoking. Please note: There are 6 steps to the patio.
13 reviews
This converted barn is filled with charm and is situated in the hamlet of Crowsmeneggus, in a wooded valley near the village of Frogpool. An unmade road surrounded by typical quiet country lanes approaches Crougy, which boasts a profusion of hedgerow flowers and plants. Falmouth, 5 miles, has sandy beaches, fishing, boat trips and an array of shops, restaurants and museums. The city of Truro is only 6 miles. St Ives, Eden and Newquay all within easy reach. Shop 1 mile, pub 15-minute stroll.
All on the ground floor:Open plan living space.Living area: With stereo/CDDining area.Kitchen area: With electric cooker, microwave, fridge, freezer, dishwasher, washer/dryer and beams.Bedroom: With zip and link super kingsize bed (can be twin beds on request).Bathroom: With shower over bath, and toilet.
Gas central heating, electricity, bed linen, towels and Wi-Fi included. Patio area and furniture. Private parking for 1 car. No smoking.
16 reviews
Gamekeepers Cottage is the perfect retreat for couples, and convenient for visiting the coast or the city. Nestling in a sheltered, wooded location, this holiday cottage is a charming, detached, single storey, character cottage appealing to couples looking for a relaxing and peaceful location. With open rural views over surrounding countryside, it is set in neat pretty gardens with a private gated drive and patio. The cathedral city of Truro is just 1½ miles, and within easy reach of the scenic and beautiful Roseland Peninsula, with quiet coves and gorgeous coastal walks. Truro offers major shopping, restaurants, cafes, theatre, cinema, bowling and of course the magnificent cathedral. Nearby is Malpas, with the river leading to creeks and waterways; take lunch or dinner while watching the small boats meander down the river. St Mawes is within easy reach, with its Henry VIII castle standing proudly on the headland, and has a picturesque seafront, quaint shops, tea rooms and the ferry service across to the busy port of Falmouth. The location is ideal for visiting both the rugged north coast, popular with surfers and coastal walkers, or the more tranquil sailing waters of the south coast, including Falmouth. The area has numerous sub tropical gardens including Trelissick, Durgan and Trebah to explore. There is unspoilt countryside, a bird watcher's paradise, and for the more adventurous, the area has great cycle trails and networks along the old tramlines from Devoran on the south coast to Portreath on the north coast. Beach 6 miles. Shop, pub and restaurant 1½ miles.
2 steps to entrance: All on ground floor: Living room with French doors/dining room/kitchen. 1 double bedroom. Shower room with toilet.
Underfloor gas central heating, gas, electricity, bed linen and towels included. Freeview TV. DVD. Gas hob. Electric oven. Microwave. Washing machine. Dishwasher. Freezer. Lawned garden with patio, sitting-out area and furniture. Parking (3 cars). No smoking. NB: 2 steps to garden.
9 reviews
Set within a designated Area of Outstanding Natural Beauty, high on the Roseland Landscape, these two converted barns afford spacious ground floor holiday accommodation, with commanding views across the countryside. Situated just 6 miles from St Mawes, they are 1 mile from a golden sandy beach and a short drive from many other beautiful beaches. Although completely self-contained, they may be booked together. The renowned Philliegh Cookery School is close by and a great experience. This idyllic part of South Cornwall has much to offer visitors, including a picturesque coastal walk leading to St Anthony Head, with its superb views of Falmouth and the Black Rock. St Mawes itself abounds with restaurants, pubs and shops, and its clover-leaf shaped castle, built by Henry VIII, is well worth a visit. In summer there are boat trips up the river, passing through beautiful wooded creeks. There is a 2-acre paddock available for guests to use, ideal for ball games and dog exercising. Please note: The Long Barn (GW2) and The Granary (GW3) can be booked together to sleep up to 6 people. Shops 6 miles, pub, the famous Roseland Inn, ½ mile.
All on ground floor: Living/dining room/kitchen with breakfast bar and beams. 1 twin bedroom with en-suite bathroom with bath, shower cubicle and toilet. Slate floors throughout.
Both properties: Full oil central heating, electricity, bed linen and towels included. Freeview TV. Stereo/CD. Electric cooker. Microwave. Washer/dryer. Dishwasher. Fridge/freezer. Sitting-out area. Shared 2-acre paddock. Parking. No smoking. NB: Ornamental water pump in garden.
10 reviews
Secluded country location
This converted barn, attached to the owner's home, is situated deep in the Cornish countryside. The north coast with its surfing beaches and cliff walks is approximately 8 miles, while the south coast with its sub tropical climate is within 6 miles. The ancient sea faring town of Falmouth provides many activities such as sailing, windsurfing, pleasure trips and diving. It is also home to the National Maritime Museum, 2 yacht marinas and numerous National Trust gardens. The famous Eden Project, the Lost Gardens of Heligan and the Lizard Peninsula are all easily accessible. Nearby Truro has great shopping, restaurants and theatre. Shops, pub and restaurant 2.5 miles.
Ground floor: 2 bedrooms: 1 double, 1 single. Shower room with toilet. Open tread stairs to first floor: Living/dining room/kitchen. Wooden floors throughout.
Electric heaters, electricity, bed linen and towels included. Travel cot. Freesat TV. DVD and small library. Electric cooker. Microwave. Shared laundry facilities. Freezer. Wi-fi. Shared lawned garden and patio. Built-in barbecue. Parking (2 cars). No smoking. NB. There are 3 steps and a pond in the garden.
11 reviews
This unique, thatched, former school house (circa 1812) with many original features and landscaped gardens lies in the heart of this pretty Cornish village. Grade II listed and converted to a beautiful holiday home, it stands detached (but has a built-in, self-contained, occupied annexe with separate entrance via communal porch). There is the original stone fireplace and a 50" TV in the living room, and a 32" TV in the master bedroom. The well-equipped kitchen/dining room benefits from an inglenook fireplace and a picture window. Boasting panoramic views over Veryan, famous for its historic roundhouses, it is excellently located to explore the picturesque Roseland Peninsula, less than a mile from Pendower and Carne beach, one of the finest sandy Cornish beaches (8th best British beach according to the Sunday Times of 5th July 2015), and provides a wonderful setting for dog walking. Portloe has a harbour where crabs, lobster and fish can be bought for a beach barbecue. Shop 100 yards, pub 50 yards.
Ground Floor:Living room: With 50" Freeview TV, DVD player with a selection of DVDs and CD player.Kitchen/dining room: With microwave, fridge, freezer, dishwasher, washing machine and tumble dryer.First Floor:Bedroom 1: With kingsize bed, single bed (for flexible sleeping arrangements), 32" Freeview TV and en-suite with double shower cubicle and toilet.Bedroom 2: With twin beds.Bathroom: With corner bath, double shower cubicle, toilet, bidet and tiled floor.
Oil central heating, electricity, bed linen, towels and Wi-Fi included. Welcome pack. Large garden with garden furniture. Bike store. Private parking for 2 cars. No smoking. Please note: There are 10 steps to terraces.
7 reviews
This delightful, detached country cottage is set in rolling, unspoilt countryside, conveniently located for exploring the sheltered sailing waters of the south coast and rugged surfing shores of the north coast. Lovingly restored by its owners to an exceptionally high standard, providing comfortable and spacious accommodation. Perfect for a romantic getaway, a relaxing family holiday or friends' retreat. The spacious open plan living/dining room has beams, a solid wooden floor, and large floor-to-ceiling glass gable end, which also extends to the master bedroom, ensuring guests make the most of the superb views over the valley. The kitchen has sash windows and two skylights, and there are wide French doors to open up during long summer evenings, as well as a feature fireplace with a wood burner to snuggle up in front of on winter breaks. The cottage is set in large unspoilt gardens with a lawn and patio area, the ideal spot for picnics, relaxing and alfresco dining.Kea is a pretty hamlet located just a few miles south of the cathedral city of Truro with excellent shops, restaurants, theatre, cinema, river walks and much more. Just a short drive to the busy town and port of Falmouth. There are many prestigious marinas, beautiful sandy beaches and equal distance to the rugged north coastline, with its extensive coastal paths and wide surfing beaches. Nearby Feock has a delightful thatched pub and is home to The King Harry Ferry Company, providing excellent access to the beautiful Roseland Peninsula and St Mawes. Just on the edge of Feock, sits the beautiful National Trust property and beautiful gardens of Trelissick, where you can meander through the trees and expansive grounds to the small beach with panoramic views, woodland walks, shop and café.Loe Beach is a popular beauty spot attracting water sports enthusiasts, sailing, boat launch and kayaks, with direct water access to the Fal Estuary. Neighbouring Killiow Golf and Country Estate is open to the public, serving food and offering golf enthusiasts a great 18-hole parkland course. Enjoy the famous Bissoe Mineral Tramway Coast to Coast cycle trail, 2½ miles away, from nearby Devoran on the south coast stretching 16 miles to Portreath on the north coast, passing mining heritage and superb countryside. Bikes can be hired locally. The area is popular with walkers, cyclists, golfers, bird watchers, sailing enthusiasts and foodies. Equally appealing to those guests who love to sit and read a book quietly in the peaceful garden, Lavender Cottage will please all. Beach 2 miles. Shop and restaurant 1 mile, pub 2 miles.
Ground Floor:Living/dining room: With wood burner, Freeview TV, DVD player with a selection of DVDs, Xbox with a selection of games, small selection of board games, beams and solid wood floor.Kitchen: With electric cooker, microwave, fridge, freezer, dishwasher and coffee machine.Utility room: With washing machine.First Floor:Bedroom 1: With double bed and solid wood floor.Bedroom 2: With twin beds, Freeview TV, DVD player and solid wood floor.Bathroom: With bath, shower attachment, toilet and heated towel rail.
Oil central heating, bed linen, towels and Wi-Fi included. Initial logs for wood burner included. Travel cot, highchair and stairgate. Welcome pack. Large lawned garden with patio, garden furniture and barbecue. Private parking for 3 cars. No smoking. Please note: This property has a security deposit of £100.
This single-storey holiday property, adjoining the owners' home, is set in a quiet location and is perfect for exploring beautiful creeks, small beaches, woodland walks, the Fal River and the surrounding coastline. The cathedral city of Truro is just 5 miles, with a theatre, cinema, shops and restaurants, whilst the busy port and town of Falmouth is equal distance, with marina's, ferry trips, water taxis and a sea safari to watch dolphins, basking sharks, seals and other wildlife. Falmouth is also home to the National Maritime Museum and Pendennis Castle, which overlooks the Fal Estuary. Nearby Loe Beach offers a sheltered beach and is popular with watersports enthusiasts. The RYA Training Centre offers courses in sailing, windsurfing and kayaking. Stroll through the grounds of Trelissick House and Gardens down to the water's edge and explore over 300 acres of woodland, countryside and coastal walks, with an art gallery, cafe and gift shop on site. The King Harry Ferry, which runs every 20 minutes, is a magical crossing of the River Fal and connects Feock to the Roseland Peninsula and St Mawes. Shop 1 mile, pub and restaurant ¼ mile.
All on ground floor: Living room with French doors and wooden floor. Dining room/kitchen with tiled floor. 2 bedrooms: 1 double, 1 twin, both with en-suite shower room and toilet.
Gas central heating, electricity, bed linen and towels included. Travel cot and high chair on request. Freeview TV. DVD. Electric cooker. Microwave. Washing machine. Dishwasher. Fridge/freezer. Wi-fi. Patio with sitting-out area and furniture. Parking (2 cars). Welcome pack. No smoking.
14 reviews
Step to entrance. Ground floor: Living/dining room. Kitchen. 1 double bedroom. Bathroom with bath, shower cubicle and toilet. Slate floors throughout. First floor: Galleried twin bedroom with beams.
Multi-fuel stove in living room included.
Spacious living/dining room with open fire. Spacious kitchen. Double bedroom with 5ft bed. Twin bedroom. Wet room with toilet (facilities for the disabled).
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cottages.com is the new home of cottages4you (Cottages for You).
cottages.com is a trading name of Wyndham Vacation Rentals (UK) Ltd. Registered in England and Wales.
Registered Office: Spring Mill, Stoney Bank Road, Earby, Lancashire,BB94 0AA, UK
Company Registration Number 00965389. VAT Registration Number: GB 598 22 99 77