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In my opinion, OFG Bancorp (NYSE:OFG) is hands down the best Puerto Rican bank and might just be one of the best small-cap bank investments one can find right now. Whether or not shares are being held back because of the lackluster results of the bank's island peers is neither here nor there, but I'm quite content with its lagging position. That's because I like picking up cheap shares of a company I see growing at a very fast pace for a very long time.
Because of the complexity or vast number of moving parts that come together to form the operations of a bank, there are quite frankly a lot of different opportunities to report improvements on. And, most recently, I believe that the market has been giving a little equal treatment to the improvement of each performance measure. This makes it more important than ever to come up with a system to help give weight to each component's movement and help you come up with an idea of how one of these banks should be valued.
Fortunately, in the case of OFG, all cylinders are firing in the right direction, which makes an assessment very easy to complete with a high degree of confidence. That said, below I have highlighted the bank's recent performance and financial position to help demonstrate why it is a perfect long-term investment (all graphs are in thousands of U.S. dollars).
Second-Quarter Highlights
- Deposits continued to grow and now account for 75.09% of all the bank's liabilities ensuring cheaper funding going forward.
- NPL balance at all time low, now only 1.74% of gross loans.
- NPL balance is now fully covered, from 73% to 113.7%.
- NIMs up 19.56% from the first quarter to 5.56%.
- Efficiency ratio down to 53.24%.
- Upped full year GAAP EPS guidance to $1.55 from $1.40.
Financial Position
Click to enlarge images.
For those of you unable to access my previous article, the very large increase of OFG's loans and deposits that occurred between September and December 2012 was the result of the bank's purchase of Banco Bilbao Vizcaya Argentaria Puerto Rico (aren't you glad we can just call it OFG now?). The purchase moved OFG into the spot of the third-largest bank in Puerto Rico (from fifth largest) in addition to placing the fundamentals of the bank into a much more profitable position. As you can see from above, prior to the acquisition, the bank's loan/deposit ratio was only at 76.95% and the bank's deposit/liability ratio was even lower at just 41.94%. With the deposit and loan boost, the bank has more earning assets and is funded by a much larger percentage of deposits, the cheapest type of funding a bank can find.
In the most recent quarter, deposits continued to grow organically while the gross loan balance declined because of an accelerated payment of commercial loans. As it stands now, the bank is very liquid with a tier 1 capital ratio of 13.79% and is perfectly positioned to take advantage of rising interest rates. The bank has a positive gap (more variable rate assets than liabilities) and currently estimates that net interest income will rise between 1.33% and 2.08% should interest rates rise between 100 and 200 bps, respectively.
In addition to a more leveraged balance sheet, nonperforming loans continued to decline and now are completely covered by the bank's allowances. At just 1.74% of gross loans, the bank's NPL balance is more in line with state-side regional banks and much lower than the normal +5% found at the other Puerto Rican banks. Provisions were higher in the most recent quarter, but mostly in line with net charge-offs. The NPL balance is getting to the point where I think these charges will be much smaller going forward, a big plus for the bottom line.
Financial Performance
With the much larger loan balance, smaller percentage of nonperforming assets and more non-interest bearing deposits (now at $934.7 million), the bank's NIM improved 19.56% in just one quarter. But, more importantly, the bank's net interest income was up 10.7% to $125.8 million. Going forward, as interest rates rise and the bank continues to gather low-cost deposits, this very large NIM puts OFG in a great position for higher future returns. Knowing that most of the other Puerto Rican banks are starting to off-load bad loans for losses, should OFG choose to make a purchase the discount would most likely also produce a higher yield.
As you can see below, the bank has consistently managed non-interest expenses to the point where the efficiency ratio has improved to 53.24%. Didn't take too long for management to whip the 36 new branches into shape, did it? At sub-60%, the bank's efficiency ratio is much lower than the majority of regional banks that shoot for 60% and even lower when compared to any of the PR banks that have been turning in over 100% in recent quarters due to very large losses taken on nonperforming assets.
Based on the financial position and consistent performance that OFG has turned in, I think it's fairly easy for one to assume that the future looks bright and that the bank will continue to build on its most recent earnings. Turning to value, in my previous article I timidly stated that the bank was worth at least a 10%-30% improvement for the premium paid on its tangible book value. Since then, the valuation has improved by 7% and shares trade at 35% premium on TBV.
At only 1.35x tangible book value, this bank is setting up for a very large pop. And here's why:
- The bank had a 1.66% ROTA (annualized) last quarter and the bank's financial position appears to be in line to improve if not at least maintain this rate of return.
- The bank's tangible equity is leveraged 13.66x, which turned in a 22.76% (annualized) ROTCE. Again, that's very sustainable, and the leverage looks safe with room to increase considering the above average Tier 1 ratio.
- The bank's equity took a $31.285 million hit last quarter because of a fair value adjustment to the bank's available for sale securities. To be honest, I have been wrestling with how to approach a bank's fair value adjustment for some time, but have come to what I believe is a very solid conclusion.
When interest rates rise and a bank adjusts down its AFS securities one of two things can happen. It will sell the impaired securities in the near future and take the loss or it will let the securities mature and the fair value adjustment will only be a temporary impairment on the reported equity balance. With that said, and considering the very large adjustment, the larger adjustment a bank records the larger the incentive the bank has to not sell these securities before their maturity date. And, since these securities are not just one transaction, the AFS balance may have securities that can still be sold as needed for a gain with the liquidity of the bank being the largest item of concern when considering the bank's ability to hold the impaired AFS securities to their maturity dates.
Following this thought process, OFG's management has a very good track record of timing the sale of securities from the bank's AFS account. For instance, for the six months ended June 30, 2012, the company actually recorded a gain on the sale of AFS securities in the amount of $19.3 million -- a real gain. During the same time equity was hit for $30 million-plus for fair value adjustments -- an accounting adjustment.
The bank's deposit base is growing very fast, the L/D ratio suggests that OFG is very liquid, and the bank last reported cash and cash equivalents in the amount of $748 million (approximately 8.8% of all assets). Management has stated that these adjustments are temporary and they have no intention to sell any of the AFS securities for a loss, something I believe they won't have to do. And, if you're on board with this assumption, you wouldn't mind me adjusting the bank's TBV to reflect that these impairments won't be realized, which would increase it to ~$13.93 from the reported $13.49 per share. Making the share price even cheaper at just 1.3x tangible book value.
Here's a look at the price and returns of a couple of other banks you may be familiar with. Notice the higher valuation and lower returns.
Turning to its PR peers, there really is no comparison here as OFG continues to run circles around the competition. And, considering that virtually every other publicly traded bank in PR is selling assets and taking losses, the opportunity for OFG to continue to pickup very cheap assets -- a la carte -- allows the bank to be ultra selective. This is a huge advantage and one that will continue for the much foreseeable time frame as OFG continues to grow its market share and take advantage of its superior position.
Full-year guidance of $1.55 per share is now close to double the income turned in last year. Based on this guidance, the forward P/E is extremely low at 11.74.
Bottom Line
OFG is extremely undervalued as the bank's performance merits a valuation closer to 2x tangible book value. I know that's aggressive, but even at 1.75x TBV (call it the Puerto Rican discount), shares stand to gain ~30% from a change in Mr. Market's sentiment. That would only put them in the company of state-side regionals earning 12%-15% a year at best. OFG is leveraged to grow at 20% for the much foreseeable future.
Taxes in Puerto Rico have been raised and the environment looks very tough considering the performance of OFG's native peers, but this bank walks to a much different beat and is only more attractive because of its association with the struggling banks that it competes with. Margins are set to improve, the NPL balance is declining, and there is some hidden value in the form of temporary fair value adjustments. What more could you ask for?
Disclosure: I am long OFG. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


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Agenda 21 Structure And Contents
A selection of articles related to agenda 21 structure and contents.
Original articles from our library related to the Agenda 21 Structure And Contents. See Table of Contents for further available material (downloadable resources) on Agenda 21 Structure And Contents.
- Our Pagan Village: The Importance and Persuit of Honor
- Candlelight flickers over the Beltaine revels. Food is laid out in the circle for the feast. Only one rule – no one can feed themselves. Each is dependent on friends and loved ones for sustenance, joy and delight. After an hour of laughter and revels and way...
Paganism & Wicca >> Daily Life
- What is hypnotic trance? Does it provide unusual physical or mental capacities?
- 2.1 'Trance;' descriptive or misleading? Most of the classical notions of hypnosis have long held that hypnosis was special in some way from other types of interpersonal communication and that an induction (preparatory process considered by some to be...
Parapsychology >> Hypnosis
- Pagan Mythology
- Is the traditional story presented as an historical event that serves to illustrate part of the world view of a people or explain a practice, belief, or natural phenomenon. The mythological beliefs a culture shares gives shape to its actions and choices....
Paganism & Wicca >> Holidays
- Bringing it Down to Earth: A Fractal Approach
- 'Clouds are not spheres, mountains are not cones, coastlines are not circles, and bark is not smooth, nor does lightning travel in a straight line.' B. Mandelbrot W e want to think about the future - it's our nature. Unlike other creatures, humans possess an...
Mystic Sciences >> Astrology
- The Religious Experience: A Wiccan Viewpoint
- What is religion? Religion is a set of beliefs which allow us to understand and categorize our world and our place in it. A set of beliefs which define our culture, our expectations, our views of people and behaviors we expect. I have found several different...
Religion & Philosophy >> Religions
Agenda 21 Structure And Contents is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Agenda 21 Structure And Contents books and related discussion.
Suggested News Resources
- Volkswagen boss informed of cheating in 2014
- According to the Daily Telegraph, Winterkorn received a second memo the following November and attended a meeting in July 2015 where diesel emissions were on the agenda, although it is not clear whether he knew of the cheating at the time. ....
- On the Artifice, Ostentatiousness and Camp in James Bond Songs
- Some of the chapters that follow are similarly insightful, but not all of them, for the book frequently falls foul of its structure.
- ABC journalist Nick Ross claims he was gagged from writing about NBN
- But he claimed that the pressure is 'horrible' even saying that his health had been put at risk. 'The 'support' structure isn't independent. Who do u go to anyway?
- Cara Delevingne and girlfriend St Vincent leave nightclub wearing black
- The model-turned-actress was wearing black from head to toe, save for her colour pop lipstick that gave the image a ladylike edge.
- GOP turnout surged 50 percent, Democrats dropped nearly 30 percent in Iowa
- 21 best guns for home protection. Shares. Carrie_Underwood_primary_image.
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Ronda Rousey to Star in Road House Remake, Which Will Probably Be Amazing
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Ronda Rousey Recommended Cardale Jones Start for OSU (Video)
Lots of people were weighing in on the OSU quarterback controversy before they took the field against Virginia Tech last night. The starting job was between Cardale Jones and J.T. Barrett, with Jones getting the call at game time. Maybe that was the plan all along. Or maybe the coaching staff just did it because […]
Paige VanZant Is The UFC's Hottest Rising Star (Pics + Video)
Meet 21-year-old UFC fighter Paige VanZant. On Saturday, VanZant kicked off the main card at UFC 191 by beating Alex Chambers in the third round via armbar submission—improving her professional record to 6-1. That victory helped teach us two things about Paige VanZant. The first thing it taught us is that she's a very good fighter. […]
Watch 30 Seconds of Rock'em Sock'em Robots from UFC 191 (Video)
John Lineker vs. Francisco Rivera wasn't the main event at UFC 191 on Saturday. Heck, it wasn't even on the main card. But when it was all said and done, it ended up being the fight that everyone was talking about, as it featured thirty-seconds of rock'em sock'em robots-like action. Watch, and be amazed: Stop […]
Brazilian Female MMA Fighter Absolutely Humiliates Guy Who Tried to Mug Her (Video)
Ronda Rousey Accepts Marine Corps Ball Invitation…IF… (Video)
Just over a week ago, Jarrod Haschert asked Ronda Rousey to the Marine Corps Ball via Facebook. Hey guys, I'm trying to take Ronda Rousey to the Marine Corps Ball this year and I need your help to reach out to her and her fans. Please share this post and video. Thank you!! Posted by Jarrod […]
Mayweather Fires Another Shot Back at Rousey in Feud
When all else fails (and it always fails for Floyd Mayweather), he falls back on his money, because that's one of the few assets he has as a person. So it should be no surprise that when Ronda Rousey poked him about how she was making more minute-for-minute, he would come back with a litany […]
Watch the (Somewhat) SFW Ronda ArouseMe Trailer (Video)
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Even as placekicker David Akers was enduring the worst season of his 15-year career, 49ers cornerback Carlos Rogers says he never wavered: He maintained Akers, who began the season with a 63-yard field goal, would end the year with another historic boot. "I've said all along David's going to make the kick to help us win the Super Bowl," Rogers said. "That's just been my mindset, since Day 1."
Rogers, Smith Happy Akers Will Keep on Kicking
From SFGate.com
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Interest Level
Grades 3 - 5
Reading Level
Grade level Equivalent: 3.6
Lexile® Measure: 510L
Guided Reading: N
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About This BookMarty Malone is great at math, but he finds out that he needs more than just math to tackle third grade problems like P.E. and making friends.
Items Added to Cart:
1 Paperback
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$48.99 Subtotal


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Mouse over ABOUT US in the main menue above, or click highlighted words below and you can journey with us a little. Go walk-about with BARBARA MEIKLEJOHN-FREE to discover how she became The Highland Seer and shaman, or wander through the woods with FLAVIA KATE PETERS to better understand what it is to be a Faery Shaman and Celtic Mystic. Share in their wisdom and knowledge in both the written and spoken form, and discover the many healing talents they have to offer, such as Mediumship Demonstrations, Initiations & Sacred Journeys.
We are so thrilled to announce the official launch of our latest oracle deck 'DIVINATION OF THE ANCIENTS' (Blue Angel Publishing).
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Alternatively follow us on facebook or send us an email and let us know how your journey is unfolding! Last but not least, join in with Barbara & Flavia and sing along to the powerful goddess rock music that is their ever popular pagan/witchy band – DAUGHTERS OF GAIA.


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LAGRANGE, Ind. (Indiana's NewsCenter) - Conservation officers say a 16-year-old boy apparently drowned after falling in the Pigeon River at Ontario Dam around 6:30 Wednesday night.
Investigators says the Amish teen, Felty Bontrager, who could not swim fell in at the boat ramp, his 12-year-old brother who witnessed the incident attempted to rescue him but was unable to.
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Enjoy the Fruit of your Labor this Weekend
This Labor Day weekend, kick back, celebrate the end of summer, and enjoy the fruits of your year's labors with a couple of divine, fruity, frozen treats from "A Month of Sundaes" by Michael Turback, now available as an eBook.
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You haven't done anything for nearly five years and need to quickly re-establish your importance as the world's leading force in alternative/dance crossover. Five night's trip hopping at Brixton is always a good start.
[l-zone1]Bristol City, the home of "a nice rack", a cheesy hospital drama and….. well, that's about it if you don't count that tiny insignificant little genre dubbed Trip-Hop which blew up some years back with the help of local residents Tricky, Portishead, and, by far-and-away the most important, Massive Attack.
New LP '100th Window' was released recently under the weight of so much anticipation that practically anything would have been a letdown. Over four years since the release of landmark groundbreaker 'Mezzanine', without Grant Marshall and under the shadow of 3D's farcical police investigation for child porn, Massive Attack now stand at a crossroads. How to suddenly switch everyone back on to their existence and convince them of their relevance once again? Well, an unprecedented five night residency at London's premier music venue always helps.
[r-zone2]Though their new record may have forgotten to include killer, nay 'instant' singles, ('Future Proof' is only now beginning to unravel its full genius, opening the show tonight); they haven't forgotten how to put on a show. Their touring neon zoo concentrates instead on recreating the dark electric paranoia of the new album by wrapping a warped mix of binary code and animations around peoples' retinas whilst playing Laserquest with the lighting rig. There's a tip: Anyone got old relatives with cataracts? Take em to see Massive Attack, that'll fix it, and save a lot of waiting time.
[l-zone3]When that unmistakable undulating subterranean bass begins, feeling like a gigantic volcanic pulse beneath one's feet; they entertain a couple of tracks from the new album with front-man Robert '3-D' Del Naja vocals sounding strong, especially on 'Everywhere'. But the horror show really begins when Horace Andy steps up, his deep resonant vocals building to 'that' crescendo of the familiar anthem 'Angel'. He continues to please with 'Name Taken' and a storming 'Every Man'. 'Daddy G' Marshall arrives next, to obvious crowd approval, bringing his unique talents to 'Rising Son', amongst others. His brooding intensity and a feeling that something really nasty is about to happen linger overhead like the sticky low ozone eminated by the whole mood of the gig.
[l-zone4]Yet just before we've had the chance to be totally immersed in absolute darkness, suffocating in Del Naja's obvious digital depression, the breathless beauty in the voice of Dot Alison drags you out by your heart strings. The flourishing magnificence of 'Teardrop' and 'Black Milk' leave a feeling of pure tranquillity. The vocal highlight without a doubt.
[r-zone5]Throughout the performance a huge screen on which Matrix-style numbers scroll is interrupted intermittently by an international league table of military spending, stock exchange rates and headlines from around the world. 3D is a high profile anti-war protestor and whilst it's nice to see a band showing political awareness, having it rammed down your brain stem throughout the entire two-hour set is pushing it a bit. It's this overawing sense of 'anti- everything' which detracts from the gig. This year's Creamfields headliners remind us all of the good times, but it's as if they need reminding themselves. It's not like they have to live in Bristol any more.


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2005-06-14 - Norwegian symphonic black metallers DIMMU BORGIR have issued the following update on their current and upcoming activities:

"Finally there's an official update on this site to let you guys in on what the Hell is happening at the moment and whatever else that we might be conspiring behind closed doors. We suspect most of you guys, our hardcore fanbase at least, wonder what's up our sleeve next, understandably so. There seems to have been quite a lot of 'confusion' lately, rumors back and forth, about this and that and whatnot, since the lack of information has been pretty evident the last couple of months. Perhaps we are partly to blame for that, one reason being that we simply might do this on purpose since we don't necessarily like the perception of being everybody's news center at all times to keep people updated on loads of unimportant shit, so-called everyday stuff. It might look as if we don't care, and it's true, we don't, unless there's some specific and important shit to discuss, like now.

"First things first:

"Festivals: we're doing five (5) this year and five (5) only. You will find all confirmed live dates on this site. They got announced quite a while ago in the forum, but to avoid any more speculations (you're all very good at that!) here we go again:

June 4th – Waldrock (Holland)
June 26th – Fury Fest (France)
July 16th – Tuska (Finland)
July 23rd – Zillo (Germany)
August 6th – Gates of Metal (Sweden)

"Drummers: We've decided, at least for the time being, not to invite a new drummer on a permanent basis. Tony Laureano [Ex-NILE] will join us for all abovementioned festivals this summer, while Hellhammer [MAYHEM] has offered his services for the new full-length album.

"Re-release of »Stormblåst«: We will have recording sessions in Abyss Studios with Peter 'Jahhh!!' Tägtgren during the summer. Because of unexpected conflicting schedules, and with already booked studio time, we were suddenly forced to swiftly find a replacement for the drummer who originally agreed to do this recording with us. So we simply asked the closest one from home, Hellhammer, coincidently and luckily for us he was free to do that job as well! Tentative release date is sometime before this year is over. And yes, it'll have extra material, previously unreleased stuff, what's the point of a re-release without? But more about the real reason why we chose to do this album all over again in its entirety later.

"Next full-length album: Writing will begin August/September sometime, once everything else with festivals and re-recordings are out of the way. It'll take the time it needs, so don't expect any release sooner than second half of 2006, at earliest. We have not yet decided who will be supervising/co-producing our next studio effort, but what we do know is that it'll most likely be a full story/concept album. We feel it's time to do something 'else,' starting on scratch exploring fresh territory, challenge ourselves. More details on this as things develop.

"On the side: Other bands/projects that will also in one way or another keep us occupied this year are:

"CHROME DIVISION - Nekro Doomsday Rock 'n Roll feat. Shag and Lex (KOVENANT).

"INSIDIOUS DISEASE: Dark death metal feat. Silenoz, Jardar (OLD MAN'S CHILD) and Tony Laureano.

"ARCTURUS: Vortex will be recording and touring with them later this year.

"OLD MAN'S CHILD: Galder recently finished the new album, recorded and mixed in Fredman Studio.
"Everything else is, as they say: Festivus for the rest of us — The pace has quickened!!!"

"More DIMMU BORGIR"
|Linked bands
DIMMU BORGIR - extend partnership!
2016-04-11 19:45 - Norwegian symphonic black metal giants, DIMMU BORGIR, can proudly announce that they have signed a new contract with Nuclear Blast Records. The band commented: "We wish to ... Details
DIMMU BORGIR – on German TV!
2012-09-20 05:00 - Norwegian kings of symphonic black metal, DIMMU BORGIR, will be featured on German TV as part of the series "Es geht um mein Leben", which mainly is about what matters ... Details
DIMMU BORGIR – announce upcoming shows!
2012-03-22 05:00 - Norwegian symphonic black metallers DIMMU BORGIR are pleased to announce the following spring & summer shows as well as European festival appearances ... Details
DIMMU BORGIR – Daray named best drummer ...
2012-02-07 01:00 - MetalNews.pl recently announced their "PURE F×CKING METAL AWARDS: Best of 2011" winners and DIMMU BORGIR's Daray came away being crowned "Best Drummer." Read the webpage ... Details
DIMMU BORGIR – Festivals 2012 + video ...
2011-12-02 04:00 - After finishing their highly successful run through the clubs of the UK, performing the band's classic album "Enthrone Darkness Triumphant" in its entirety, Norwegian kings .. Details
DIMMU BORGIR – forced to cancel Hamburg show!
2011-10-28 02:00 - Norwegian symphonic black metallers DIMMU BORGIR just issued to following statement regarding their upcoming club tour where the band will perform the entire "Enthrone ... Details
2011-10-24 00:00 - As elected by their fans via the recent Facebook poll, Norwegian symphonic black metal band DIMMU BORGIR will be performing their epic 1997 release... Details
DIMMU BORGIR – announce three additional ...
2011-09-23 04:00 - Norwegian symphonic black metal band DIMMU BORGIR are pleased to announce three additional shows to their upcoming European run. These shows will be a part of DIMMU ... Details
DIMMU BORGIR - Inaugurates first issue of ...
2011-04-21 09:00 - Adorning the first front cover of Metal Hammer Norway are none other than the Norwegian kings of symphonic black metal DIMMU BORGIR. States the magazines chief in editor ... Details
DIMMU BORGIR – special Oslo show: only a ...
2011-04-01 10:00 - Only one month after its official announcement, the exclusive Oslo show is running out of tickets! Make sure to grab your ticket while supplies last – see below for further .. Details


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Pacific Environmental Corporation (PENCO) is an emergency response clean-up contractor specializing in oil spill response, preventative booming, sub-surface oil recovery, hazardous materials response and tank cleaning, inspection, and repair. Our team of over 200 highly trained personnel are ready to respond 24-hours a day to any emergency location in the Pacific Basin.
Office in Honolulu, HAWAII (USA).
Advanced Compliance Solutions, Inc. (ACSI) was founded in 2002 and has evolved into a well respected consulting firm that provides a wide range of services. We are a Total Small Business (NAICS code 541620) providing high-quality environmental engineering and management services, energy efficiency consultation, regulatory compliance support, and training. Our clients ...
based in Waipahu, HAWAII (USA).
United Enviro Systems, Inc., specializes in safe, effective and cost efficient management of hazardous waste. We are a dedicated group of professionals committed to finding the best and most economical way to dispose/recycle hazardous materials and their by products.... while assuring complete compliance with state and federal regulations that apply to your area and ...
Office in HAWAII (USA).
SRP Environmental is a full service Environmental, Health, and Safety Firm with corporate offices in Shreveport Louisiana serving North America. SRP also has an office in Oahu, Hawaii to serve Hawaii and the Pacific Rim. SRP has extensive experience in Environmental Site Assessments, Industrial Hygiene, Lead, Asbestos, Health and Safety Training, Hospital Services, ...
The Environment News Service is the original daily international wire service of the environment. Established in 1990 by Editor-in-Chief Sunny Lewis and Managing Editor Jim Crabtree, it is independently owned and operated. The Environment News Service (ENS) exists to present late-breaking environmental news in a fair and balanced manner. ENS news reports are indexed by ...
based in Seattle, HAWAII (USA).
ConVault protected aboveground storage tanks (AST's) for petroleum products are shop-fabricated and listed in accordance with UL 2085 and ULC 142.16. A six-inch thick high-strength monolithic concrete shell protects both the steel primary tank and built-in secondary containment from fire and vehicle impact, as well as making them bulletproof. Manufacturing is located ...
Distributor in Keaau, HAWAII (USA).
Kinnetic Laboratories, Inc. is a well established Small Business that has been in operation for over 38 years with a track record of excellence on thousands of environmental projects both large and small. Kinnetic Laboratories specializes in providing environmental and oceanographic science services including field and laboratory studies. Our core business is providing ...
Office in Lahaina, HAWAII (USA).
We specialize in utilizing and supplying the best wastewater equipment and technologies. Equipment that will save on energy, maintenance, and can stand the rigors of the corrosive and non-forgiving environments that they must be exposed to.
based in Honolulu, HAWAII (USA).
SWCA Environmental Consultants has provided comprehensive environmental planning, regulatory compliance and natural and cultural resource management services to businesses and government clients across the United States. We are an employee-owned firm of scientists, planners, and technical specialists. We combine scientific expertise with sound technical skills to provide ...
Since 1992, Corrosion Cops has built a niche business as one of Hawaii`s most trusted and unique businesses in rust prevention and corrosion control. Committed to providing quality services to the community, we believe that a reputation as an honest and reliable business is key for success. Rust and Corrosion Protection Products and Solutions for Harsh Tropical ...
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World Famous Attractions
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From Burj Khalifa to Palm Jumeirah
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Waterbury Police Log: Several vehicle accidents reportedJanuary 22,2013
The following is a sampling of incidents as initially reported to the Waterbury Police Department:
Jan. 14
A citizen dispute occurred because a man wanted his Suboxone medication, a drug used to treat opiate addiction, but a doctor had not called in new orders.
A child abuse incident at a North Main Street residence was reported.
A man was considered suspicious around 9:17 p.m. on River Road when he was observed walking between cars and sitting in his vehicle with his hood up over his head.
Jan. 15
A citizen dispute occurred in which three men were fighting on a third-floor apartment on Stowe Street.
Jan. 16
A large party was reported on Mountain Road in Stowe.
A gas leak spill occurred at South Main Street.
Jan. 18
A 10-year-old boy with a pocket knife was threatening everyone in a Butler Street apartment.
A green Honda Civic drove off without paying for $15 in gas.
Jan. 19
A two-car accident occurred around 10:50 a.m. on Waterbury-Stowe Road, resulting in no injuries.
A two-car accident occurred around 1:05 p.m. on Blush Hill Road, also resulting in no injuries.MORE IN Central VermontBURLINGTON Teachers in Vermonts largest school district will not be going on strike, according... Full StoryBARRE Talk about a budgetary buzzkill!
Moments after noting unaudited numbers... Full StoryBERLIN For only the fifth time in its near-50-year history, Central Vermont Medical Center ... Full Story
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Hotel Royal Terme
Along with free breakfast, this hotel offers a health club and a restaurant. Relax in the outdoor pool during your stay. There is also a poolside bar and a bar/lounge so guests can sip a refreshing drink by the pool or indoors. Leisure facilities include the spa tub, sauna and massage/treatment rooms.
Knowledgeable staff are available at the front desk 24 hours-a-day and can provide tour/ticket assistance. Guests can make use of the free WiFi.
Hotel Royal Terme
Hotel Info: 1-877-214-4288from $56
- Double or Twin Room
- Double or Twin Room, Balcony
- Single Room
- Triple Room
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 120 rooms
- Check-in time starts at noon
- Check-out time is 11 AM
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Babysitting/childcare
- Pets allowed
- Free WiFi in public areas
- Free self parking
In the hotel
- Free breakfast
- Restaurant
- Bar/lounge
- Poolside bar
- 24-hour room service
- Outdoor pool
- Health club
- Spa services on site
- Spa treatment room(s)
- Spa tub
- Steam room
- Sauna
- 24-hour front desk
- Tours/ticket assistance
In the room
- Air conditioning
- Minibar
- Hair dryer
- Cable/satellite TV channels
- In-room safe
Hotel Royal Terme's small print
Also known as
- Hotel Royal Terme
- Hotel Royal Terme Ischia
- Royal Terme
- Royal Terme Ischia
All guests, including children, must be present at check-in and show their government-issued photo ID card or passport.
Cash transactions at this property cannot exceed EUR 2999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
A tax is imposed by the city and collected at the property in cash. The tax applies from May 1st to September 30th and reduces by 50% for stays in October. The tax does not apply after the 7th consecutive night and to children under 18 years of age. For further details, please contact the property using the information contained in the confirmation received after booking.
- A tax is imposed by the city: EUR 3 per person, per night, up to 7 nights. This tax does not apply to children under 18 years of age.
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


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alertsA function of many Internet search engines that lets users specify keywords, phrases or tags pertaining to any topic that you would like to be notified of when new search results are available. Most alerts are delivered by e-mail or by RSS feed. Users can set alerts matching their own industry or their name or business name to be notified when it is mentioned somewhere online.
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Webopedia's student apps roundup will help you to better organize your class schedule and stay on top of assignments and homework. Read More »List of Free Shorten URL Services
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The most popular Webopedia definitions of 2015. Read More »
Java is a high-level programming language. This guide describes the basics of Java, providing an overview of syntax, variables, data types and... Read More »Java Basics, Part 2
This second Study Guide describes the basics of Java, providing an overview of operators, modifiers and control Structures. Read More »The 7 Layers of the OSI Model
The Open System Interconnection (OSI) model defines a networking framework to implement protocols in seven layers. Use this handy guide to compare... Read More »


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At Dillard's, we implemented a security program to ensure that a human is trying to enter our site and not a computer. If you have any questions, please contact firstname.lastname@example.com.
If you want to pay your bill, please visit Dillards.com/payonline.
Item #014985200596 333 015604891
(8 Reviews)
Dark Stone
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Big boy pants
By Bbp
from Georgia
Comments about Levi's® Big & Tall 560™ Comfort Fit Jeans:
Nice fit and feel
Bottom LineYes, I would recommend this to a friend
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I would recommend this style
By Happy customer
from Orlando, Fl
See all my reviews
Great fit and comfort for big guys. Have worn this style for years. Quality and easy care. Dillard's shipping is super fast. Great customer service.
Love them
By brad
from houston
i am 6'6" and 235 lbs. and the jeans fit very comfortable. i fold them at the bottom which is fine with me. very relaxed fit. nice size pockets
I would buy this product again and again
By DJK
from Cincinnati, Ohio
560 Levi's
By Tall Robin
from Savannah, GA
About Me Casual Dresser
Quality jeans that I wear every day. Works for many different occasions.
Plenty of room in the right places!!!
By MattMan
from West Kentucky
Comparing this to the fit of Levi's 559 & 550 these are hands down the best overall fit with plenty of room in crotch no constant need to adjust the boys if know what I mean.
Wish I could get them in store
By Grappler
from Tecumseh, OK
Poor selection in store.
(4 of 4 customers found this review helpful)
Great Jeans for thr Big and Tall man
By bigports
from east greenwich.ri
About Me Casual
sits on the waist, not on the hips so it does not feel like they are falling off you


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Janie Johnson Wrhel
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I have been searching my ancestry for many years,plus helping my husband do his.I have been doing searches in the 61554 area and 62899 area.I love to walk old cemeterys.If I can help anyone out,I would be glad too.Any pictures I Personally Take you May use...
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Rob M
Joseph Holt
Sorry to report there's no existing marker for Joseph Holt at the given location (Sec A, Range 130, Grave 17). I'll post a photo of his gravesite
Added by
Rob M
on Aug 16, 2016 3:48 PM
Craig Thweatt
RE: Spence Family
Glad to do it
Added by
Craig Thweatt
on Mar 22, 2016 11:30 PM
Nathan Haines
Addison Richard Riley
You put in a request for pictures of Addison Richard Riley's grave in Lincoln Memorial Cemetery here in Portland, Oregon. His wife Margaret is buried next to him. Could you do me a favor and put in a request for pics of her grave too?
Margaret's Find A Grave #= 140839145
Added by
Nathan Haines
on Feb 25, 2016 10:21 AM
Lee Henningsen Stout
RE: Rev Julius Walter
you are most welcome I added a photo to his wife for you as well...sorry it took so long we've had so much snow it just now clear...been on the ground from mid Nov...surely ready for spring in Wyoming let me tell ya
Added by
Lee Henningsen Stout
on Feb 22, 2016 8:23 AM
Bill Stephens
Helmigs at Mt. Auburn Cemetery, Topeka KS
Their graves are unmarked but I was able to locate them by finding those who cemetery records show are buried in the same section and plot. I have indicated the approximate location on the posted photos.
Added by
Bill Stephens
on Oct 28, 2015 12:55 PM
Honoring those who have gone before
George too
I figured George should be with Kate ... I hope you don't mind.
Honoring those who have gone before
Suz Lew
Added by
Honoring those who have g...
on Aug 09, 2015 11:52 AM
Honoring those who have gone before
Kate Weems Deatherage
Great Aunts are very important people. It was my pleasure to create her memorial and I know you will take good care of her.
Honoring those who have gone before
Suz Lew
Added by
Honoring those who have g...
on Aug 09, 2015 11:51 AM
Archie Baggett
Just wanted you to know that there is no marker for Archie. He is buried in Bethlehem Cemetery but he has no marker. So could you remove your photo request so others don't hunt for it, at least 2 of us have done. Feel free to call the church cemetery caretaker to confirm, but there is nothing there for him. Also he lived in Barren Plains...with an 's'.
Added by
on May 03, 2015 10:08 AM
Sabrina D
Claire McFadden at Holy Cross
Hi Janie,
I took the photo for Claire McFadden, she is in the family plot with her parents, Thomas and Bridget, and two of her siblings, Joseph and Mary. I have added the photos to all of them.
Added by
Sabrina D
on Apr 02, 2015 8:11 AM
Jennie Ashton 43223035# request
Hello Janie,
I have been working to fulfill your request at Cedar Hill Cemetery in Newark, Ohio. I was able to locate where Miss Jennie is buried, but unfortunately there is no marker or headstone for her. I did take a photo of the plot to mark it's location. Would you like this photo posted to Miss Jennie's memorial? Please let me know.
Many Thank--@ngel #47774099
Added by
on Mar 30, 2015 2:04 PM
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Nb: infants must be under the age of 2 and
children must be under the age of 12 at the time of
From here you have direct slope-side access to Attitash Bear Peak, and there's a shuttle to get you around the resort. It's a good-looking place, complete with gables and arches, and it has spacious rooms with a contemporary look. Most have at least a kitchenette, handy for making toast and warming drinks.
143 rooms on 3 floors. Rooms with 2 double beds, sleeping max 4 adults.
Room Upgrade1-Bedroom Suites - have 1 queen-size bed in the bedroom, and 1 queen-size pull-out sleeper sofa and 1 double Murphy bed in the living room, sleeping max 6 adults.


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Ardenne is founded on high ethical principles based on the moral teachings of Christianity. Its motto, 'Deo Duce Quaere Optima', translates 'With God As Guide, Seek The Best.' Ardenne High School is committed to providing quality education in a Christian environment and to inculcate the principles of Christian tolerance and self-discipline as the foundation for self worth. This is achieved by offering a wide variety of activities, which serves to prepare students to become responsible and contributing members of society.
School Song
Ye valiant youth arise, and join
life's glorious fray,
With God as guide, he will strength
provide to conquer day to day.
In hallowed hall or field, we'll
strive but never yield;
We will fight with our might,
undefeated be the conflict mild or heated:
Brave and strong, shunning wrong
we will march along
To the future's brighter ray.
With loyalty and pride, we'll
shield our noble name,
Whatever assail it shall ne'er
prevail, we'll conquer just the same:
With banner high, unfurled, a
symbol to the world
Of the zeal that we feel in
pursuing what we're doing, ever viewing
The bright crest of the best
That will crown our quest,
And fan Ardenne's glorious flame.
Written by: Vincent Kelly


text:
Skylight presents intimate take on 'Porgy & Bess'
In the summer of 1926, George Gershwin returned home from rehearsals for a new musical. Wired and needing to clear his head, he picked up a recent bestselling novel as bedtime reading. He didn't put it down until he had finished it the following morning. The novel was DuBose Heyward's "Porgy."
In "The Life and Times of Porgy and Bess: The Story of an American Classic," Hollis Alpert describes what happened next: Gershwin was so excited "by the story and its author's apparent musical sensitivity" that he immediately wrote Heyward and suggested they collaborate on an opera. Nine years later, it made a now-legendary Broadway debut as "Porgy and Bess." »Read Full Article(1)
Present Music celebrates composer Ince at Wilson Center
Present Music celebrated its 20-year-plus relationship with composer Kamran Ince on Saturday with a concert dedicated entirely to his work.
Kevin Stalheim, artistic director of the new-music ensemble, joked that Ince is "kind of like a brother to me, including all the bad stuff," but any differences were worked out well before the concert at the Wilson Center for the Arts in Brookfield. »Read Full Article
Harvest of Arts and Crafts, Waukesha Art Fest and Starving Artists Show hit Milwaukee this weekend
Artful weekend
If outdoor art shows are your summer go-to activity, extend the season by going to three of them next weekend: »Read Full Article


text:
Located in Taos, Blue Sky Retreat at San Geronimo Lodge is close to Henningsen Fine Arts and Kit Carson Home and Museum. This ski hotel is within close proximity of D.H. Lawrence Ranch and Navajo Gallery.
Stay in one of 18 guestrooms featuring flat-screen televisions. Complimentary wireless Internet access keeps you connected, and cable programming is available for your entertainment. Bathrooms have shower/tub combinations and complimentary toiletries. Conveniences include desks and irons/ironing boards, and housekeeping is provided daily.
Spend the day on the slopes, or enjoy recreational amenities including an outdoor pool and a spa tub. Additional amenities at this hotel include complimentary wireless Internet access, tour/ticket assistance, and a picnic area.
A complimentary full breakfast is served daily.
Business, Other Amenities
Free self parking is available onsite.


text:
WASHINGTON — The National Retail Federation here told federal transportation officials this week that a proposal to limit the number of hours truck drivers spend behind the wheel each day would increase costs for businesses and consumers while undermining intended safety benefits by putting more trucks on the road during the most-congested hours. "As a result of the current 11-hour daily driving limit, U.S. retailers have been able to achieve significant efficiencies within ...
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Wholewheat Doily Cookies & Chocolate Pretzels … it's the time of the year when the bells begin to jingle and there are hungry cookie monsters on the prowl. With the cookie season in full swing, this year I have literally abandoned plain flour for whole grains. This year, there was another reason to bake cookies – a fundraiser called the Great Cookie Swap 2013, which a bunch of us got roped into thanks to sweet Charis via Roshni!
I've been watching it take shape over the years, attempted to enroll once. We never did find enough folk to make a 'team' in India. This time was different and we made a beginning. With India now on the map, hopefully we get a whole bunch of food bloggers joining in next year. If you wish to be notified about the swap next year, do sign up here.
The cookie baking experience was a whole lot different this year thanks to the event. The swap made it special. For a change I was baking for a cause, and guarding my loot from the cookie monsters! From a dozen that were normally available for them to munch, there were just a couple on offer!
We had to bake a dozen cookies for each of 3 surprise recipients, who wouldn't know until the bell rang that cookies had arrived. I was fortunate to get my first secret batch from Riddhi @ Cook By The Book. Her cookies were delicious! That set me in the mood and I headed straight for the kitchen.
I wanted to bake everything for everyone, but then got real. Couriering can prove to be harsh on cookies, the logistics a little dicey. I narrowed down to whole-wheat cinnamon ginger cookies and whole-wheat chocolate pretzel cookies. I had recently made dozens of whole-wheat gingerbread men for a home for homeless girls and really enjoyed that experience.
I decided to bake fluted cookies for the swap since gingerbread men are fragile. Then the daughter joined in, found some doily cookies on Pinterest and pestered me to make them. I did but with whole-wheat gingerbread cookie dough.
She wasn't a 100% impressed though as wanted finer lacier cookies. I was happy with whole-wheat deep flavoured ones. I think the doily idea is stunning, and would definitely work more beautifully on sugar cookie dough etc. This was something new learnt, and immensely enjoyed. It certainly was a WOW moment!
The chocolate pretzel cookies I used to make often when the kids were little. Haven't made them in years. To my delight, the minute tray #1 popped out of the oven, the daughter whooped in delight, "Yay pretzels!! You haven't made them in years. I love them". The son reacted similarly!! Happily enough, there were plenty for the two of them too.
The pretzels too underwent a wholegrain makeover. The kids loved them like before. I still wonder why I didn't think of these things earlier. They tasted crunchy good and chocolaty with whole wheat flour too.
I love the idea of a bakers dozen, and stuck in a cute gingerbread man to accompany the cookies. Each box had a special happy man in there too. I hope my cookies surprised my secret recipients.
The GREAT FOOD BLOGGER COOKIE SWAP brings together food bloggers from around the world in celebration of all things scrumptious. The premise is this: sign up. Receive the addresses of three other food bloggers. Send each of them one dozen delicious homemade cookies. Receive three different boxes of scrumptious cookies from other bloggers.
This year they have again partnered with COOKIES FOR KIDS' CANCER, a national non-profit organization committed to funding new therapies used in the fight against pediatric cancer, which claims the lives of more children in the US than any other disease.
I really enjoyed doing the Great Food Blogger Cookie Swap'. From deciding what to bake, to waiting impatiently for the surprises to arrive, to waiting for posting date, it was n enriching experience.
Thank you Riddhi @ Cook by the Book for the wonderful Zesty Whole-wheat Pumpkin Seeds Oatmeal Cookies, Sangeeta @ Healthfood Desi Videshi for the addictive savoury GF Lentil Cookies {with loads of my favourite flavours}, and Roshni @ The Vanilla Bean for the delicious Lavender Crisps.
My cookies to Sangeeta and Himanshu reached quite early, but Riddhi in Bangalore wan't that lucky. Got a call just this afternoon from the courier that the package came back undelivered. Sangeeta's cookies also apparently reached Riddhi very late. Will mail some later as she is travelling this month!
Recipe: Whole-wheat Chocolate Pretzel Cookies
Summary: Crisp, chocolaty and sweet, these 100% Whole-wheat Chocolate Pretzel Cookies are wonderful to include on your cookie platter. They are also a fun way to involve kids in cookie making as they playing with cookie dough like play dough! Makes approx 2 -2 1/2 dozen pretzels
Prep Time: 10 minutes
Total Time: 40 minutes
- 150g whole-wheat flour
- pinch salt
- 25g cocoa powder
- 100g unsalted butter
- 110g vanilla sugar
- 1 egg + 1 egg yolk
- 1 tsp vanilla extract
- 1 egg white, whisked gently, for glaze
- Granular sugar or sprinkles to decorate
- Sift the whole-wheat flour, cocoa and salt. Reserve.
- Cream the butter and sugar until light and fluffy. Add the egg, egg yolk and vanilla extract and beat again.
- Add the dry ingredients and knead together briefly to make a firm, smooth dough. Wrap the dough in cling wrap and refrigerate for about an hour.
- Preheat the oven to 190C. Line to cookie sheets with baking parchment.
- Divide the dough into 4, then into 6-7 portions each. Roll into tight neat balls.
- Roll each ball into an 8-10″ long rope, and form a loop to make them look like pretzels. Transfer the cookies with the help of a fish slice/spatula to the prepared sheets.
- Brush over with the glaze and sprinkle sugar or sprinkles as required.
- Bake for about 12-14 minutes until firm to touch.
- Allow to cool on trays for 2-3 minutes, then remove to cookie racks to cool completely.
Recipe: Whole Wheat Doily Gingerbread Cookies
Summary:These 100% Whole Wheat Doily Cookies are crisp, sweet, spicy and keep well in an airtight container for 1-2 weeks in a cool place. Makes approx 6 dozen 2″ fluted cookies. You can make gingerbread men out of the same dough too.
Prep Time: 10 minutes
Total Time: 1 hour
- 280g whole wheat flour
- 1 tsp baking powder
- pinch salt
- 10g ginger powder
- 10g cinnamon powder
- 100g unsalted butter, cubed
- 150g brown sugar
- 1 egg, beaten
- 15-25 ml milk, as required
- Preheat the oven to 170 degrees C. Line 4 cookie sheets with parchment paper.
- Sift the whole wheat flour, ginger, cinnamon, baking powder and salt.
- In the bowl of a food processor, add the flour mix to the cold butter, & pulse briefly to make a breadcrumb like mix.
- Tip in the sugar, pulse. Then add the beaten egg, and pulse briefly to mix.
- Now add enough milk to make a firm yet pliable dough.
- Roll out to 1/4 inch thickness & cut with desired cookie cutters.
- Bake for 12-15 minutes till they smell done and the edges start turning golden-brown.
- Cool on cookie racks.
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25 Comments
Eggless version possible? If yes, how?
Adorable cookies Deeba!!! Such a festive presence 🙂
Pretty cookies! They must be extremely delicious. Wonderful ideas.
I love the heart cut out of the middle of that cookie! So cute! I have never done a cookie swap before but aways thought it would be so much fun.
Whoever's on your Christmas list is extremely lucky, Deeba.
All cookies are amazing. The doily ones are very inventive.
Old-timey and pretty!
Happy holidays to you, my dear! xoxox
Such pretty, adorable & festive cookies Deeba! I'm drooling looking at all the pics! Love the idea of doily cookies and the gingerbread man is so cute! Chocolate pretzels look to die for!
You have no idea how disappointed I'm that I did not receive the package 🙁 May be will get to taste some of your creation soon!
Happy holidays & happy baking Deeba!
I'm so glad we did this. It's so nice to finally taste something from all of my favorite bloggers versus actually just looking at it on a screen!
So looking forward to next year 🙂
Asia's biggest awards honoring Food & Beverage and Hospitality In India. COMING SOON….
If you wish to nominate yourself, kindly send us your full contact details, and we shall get back to you shortly..
Check out our website:- http://www.globalsummits.co/LemonNice/
Oh, Deeba, the cookies are gorgeous, especially the doily ones (how clever!). But the chocolate pretzels are on my must-make list! I love them and they are stunning! I also love the combo of whole wheat cookies and chocolate. A wonderful project, the cookie swap. And lucky the girls who got cookies from you (though the cookies you received look delicious!). xo
Nice looking and attractive wholewheat cookies and they seem to be tasty too! Observe more Vegetarian recipes and comment on whether they are good or not!
all the cookies look great but that doily cookie is a great idea!
Hi Deeba,
I am looking forward to try on this Christmas and hope will be able to make my cookies look same as they are in the photographs shared by you. Recipe looks simple, but it is gonna take hell lot of effort. All of your posts are so tempting I can't resist looking at the pictures.
Amazing cookie collection.
I LOVE these cookies… not only because theyare wholemeal but they are SO CUTE! Lovely recipe. Bec x
Awesome post and divine photos. What a cool event. LOVE your doily idea. Can't wait to try it.
And here's the correct link to my blog. 🙂
These are so adorable! Love the lace style ones!


text:
Comment Re:Why does the ESA have a worse record of landing (Score 1) 90
I appreciate the explanation, but isn't it more that the new system was added in rush (to replace the old ones) as opposed to it being the first time used? It seems like the NASA successes were first time uses of those landing systems also, from what I remember.
Also, I really don't understand how IP applies since these are not products for commercial sale nor used for commercial purposes. I don't see where NASA could even bring a suit.


text:
Benitin y Eneas by Pierre S. De Beaumont and Bud Fisher
- December 01, 2012
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Comments (14) (Please sign in to comment)
Good morning, Vagabonds
Got the church decorated for Advent. Sunday I will not preach. We will have the Chrismon Service, in celebration of the First Sunday of Advent. This will be followed by Holy Communion. It makes for a very beautiful worship service.
David, my parents' UMC church had a beautiful Chrismon tree every year. The ladies of the church made all of the ornaments out of [faux] pearls and gold wire. They were beautiful. (Probably still are, I just haven't seen them in many years.)
Hi Vagabonds.
Is snowing lightly here, has been slippery around here the last few days, with the temperatures between 0 at night, and 30s during the day.
Well David you've been decorating, I've been working on the website, I'd looking for some kind image of an Advent writhe that I could doctor for each sunday of Advent, I think I did alright.
I'm sitting at the landrimat in Newport waiting for my sister to do the wash, surfing the net on the public wifi.
Hi Slim, hi Jan, Montana Lady, Arye must not be settled in completely missed him today,
Catch all you nice people tomorrow.
The cookout turned out nice last night at the clubhouse- several pit fires going . we all use them for the dogs to cook,
and to do the s'mores plus they added to the ambience. benchs' place around them for dining and conversation. They had games for the kids and for us older kids too.
Have a nice weekend…………………………….
Arye says he is still unpacking. He did comment on Foxtrot Espanol today, but that's the only one.
Goos day to one and all.
Good morning, Vagabonds.
I'm still in the midst of unpacking, but I did begin to make an email list of the books I have here in Miami.
Last night I joined the people in the "Bingo club." They asked me to call out the numbers and of course, since so many of the players are Hispanic, I called out the numbers bilingually. Because my Mexican relatives used to give me phone numbers in rapid-fire Spanish, it's my custom to announce any number in the 60s or 70s "numero por numero." That is, I always say "Seis cinco" instead of "sesenti (sp?) cinco," because it's so hard to distinguish between "sesenti" and "setenti" (again, sp?).
After that, we went up top one of the neighbor's apartment and had a nice party. It was so good to see my upstairs neighbor after almost 7 months. She's fighting a battle against brain cancer and seems to winning.
Good morning, Vagabonds
Almost 3:00 A.M.. Hard to keep my eyes open, so I'm goona quit tryin'. G;night all
Ladys and Gentlemen, hows yehs doing.
Church was good today lit the first advent candle, also communion.
It's warm enough so the eves are dripping, but no sunshine today.
Well I'll just say, ttfn
Happy first week of ADVENT-where it applies
Good Afternoon, Friends,
I've been down with some sort of a cold. Must have caught it on the airplane, or from MMM's bronchitis. Just feel crummy!
Sounds like everyone is busy busy busy! Arye, hope your neighbor keeps her good attitude and keeps on winning!!! Good for her!
It is absolutely gorgeous here….55 degrees, partly cloudy, and 99% of the old snow has melted. Maybe I'll be strong enough to start walking the hills tomorrow.
Good morning Vagabonds.
We lit the first Advent candle (Prophecy candle) today, too and the message was about messianic prophecy, from Isaiah to Micah to Matthew and a lot in-between.
It's been windy and cool here the past couple of days. Not much sunshine. I love the sound of my wind chimes in the back yard. They are so melodious.
Hope you get to feeling better soon, ML.
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text:
N (New York City Subway service)
|Broadway Local
A train made of R160 cars in N service, approaching 39th Avenue.
A train made of R68 cars in N service at 36th Street.
Note: Dashed red line shows late night service via the Montague Street Tunnel
|Northern end
|Astoria–Ditmars Boulevard
|Southern end
|Coney Island–Stillwell Avenue
|Rolling stock
|8 R68s (1 train, AM rush)
230 R160Bs (23 trains)
|Coney Island Yard
The N Broadway Local is a rapid transit service in the B Division of the New York City Subway. Its route emblem, or "bullet", is colored sunflower yellow since it uses the BMT Broadway Line in Manhattan.[1] The N operates at all times between Ditmars Boulevard in Astoria, Queens, and Stillwell Avenue in Coney Island, Brooklyn via Astoria in Queens, Broadway in Manhattan, and Fourth Avenue/Sea Beach in Brooklyn. The N runs express on Fourth Avenue, over the south side of the Manhattan Bridge, and local elsewhere at all times except nights when it serves all stops along its entire route, using the Montague Street Tunnel to travel between Manhattan and Brooklyn as a replacement for the R.
Service history[edit]
The route that is now the N was originally BMT service 4, known as the Sea Beach Line or Sea Beach Express.
On June 22, 1915, the current BMT Sea Beach Line opened, replacing a street level "el" that branched off of the Fifth Avenue El with the former BMT West End Line. Originally, it used the south tracks of the Manhattan Bridge, which at that time connected to the BMT Nassau Street Line.[2]
On September 14, 1917, the first part of the BMT Broadway Line and the north side tracks of the Manhattan Bridge opened. Trains ran from 14th Street–Union Square to Coney Island–Stillwell Avenue, now using the bridge's northern tracks.[2]
On January 15, 1918, service was extended to Times Square–42nd Street.[2]
On May 2, 1957, service was extended north via the express tracks to 57th Street–Seventh Avenue.[2]
In 1959, trains began stopping at DeKalb Avenue during midday hours. Previously, they bypassed DeKalb Avenue at all times except late nights.
Beginning on January 1, 1961, trains bypassed DeKalb Avenue during rush hours only. In addition, on weekday evenings, late nights, and all day Sundays, they ran local on the BMT Fourth Avenue Line.
The N designation begins to appear when R27 subway cars are moved to the line in April 1961.[2]
The NX designation was used for a rush hour peak-direction "super-express" service along the express tracks of the Sea Beach Line, beginning at Brighton Beach on the BMT Brighton Line, running through Coney Island, and then following the N route to 57th Street–Seventh Avenue. This short-lived service began on November 27, 1967 (when the Chrystie Street Connection opened) [3] and ended April 12, 1968 due to low ridership. Starting on Monday, April 15, 1968, the five NX trips instead ran as N trips.[4][2]
On August 28, 1976, N service was extended north over the BMT 60th Street Tunnel Connection to Forest Hills–71st Avenue to replace the discontinued EE. While some N trains ran the full route from Coney Island to 71st Avenue, via the Manhattan Bridge and Broadway Express, some trains ran local between Whitehall Street–South Ferry in Lower Manhattan and Forest Hills–71st Avenue, which had been the EE route.[2]
On August 27, 1977, N service was cut back during late nights, only operating between 36th Street and Coney Island.[5]
Reconstruction of the Manhattan Bridge between 1986 and 2004 disrupted N service, usually removing it from the bridge. On April 13, 1986, the north side tracks on the Manhattan Bridge (leading to the IND Sixth Avenue Line) were closed for rehabilitation, and services that had used the north side were moved to the south side, running via the BMT Broadway Line. Because of the large amount of train traffic now running on the bridge's south side tracks, rush hour and midday N service stopped using the bridge, running via the Montague Street Tunnel and Lower Manhattan making local stops, though evening, night and weekend trains continued to use the bridge and express tracks, terminating at 57th Street–Seventh Avenue.[2]
On April 26, 1986, the M, which was rerouted from the BMT Brighton Line to the BMT West End Line, replaced the N as the weekday express via the Fourth Avenue Line.[2] On May 24, 1987, the N swapped northern terminals with the R. The N was switched to Astoria–Ditmars Boulevard, while the R went to Forest Hills–71st Avenue. This was done to give the R direct access to Jamaica Yard; previously, the N had direct access to both Jamaica Yard and Coney Island Yard, and the R, running from Bay Ridge to Astoria, lacked direct access to either yard.[2] When the north side of the Manhattan Bridge reopened and the south side was closed on December 11, 1988, the N began running local in Manhattan and via the Montague Tunnel at all times; In order to replace B service to Ditmars Boulevard, additional N service was provided during rush hours.[6]
On September 30, 1990, full service on the Manhattan Bridge was briefly restored. Express service on Broadway ran all times except nights (all service stopped at 49th Street due to heavy usage).[7] This very short service was halted by the discovery of a cracked beam under the south side tracks on the bridge.[2]
In 1994, the N switched back to express in Brooklyn only, from Atlantic Avenue–Pacific Street to 59th Street, with the M running local instead on weekdays.[2]
From 1994 to 1996, the southern terminal of the N was 86th Street due to rehabilitation work at Coney Island–Stillwell Avenue. On November 4, 2001, it was cut back again as the terminal's reconstruction project continued.[2]
From April to November 1995, the north side of the Manhattan Bridge was closed during midday and weekends. To allow B trains to lay up on the express tracks at Pacific Street, midday N express service in Brooklyn was discontinued for the duration of the closure.
After the September 11, 2001 attacks, Broadway Line service through Lower Manhattan was suspended; N service was also suspended and replaced by the W in Manhattan and Queens and the M in Brooklyn. On October 28, N service was restored, but Cortlandt Street remained closed until September 15, 2002.
On September 8, 2002, because of the ongoing reconstruction of Coney Island terminal, weekend and late night N service was reduced to a shuttle between 86th and Pacific Streets, running express on the BMT Fourth Avenue Line. In its place, the W was extended to Manhattan and Astoria, Queens at all times; this was because the W was the only route still serving Stillwell Avenue during this part of the reconstruction.[2]
On February 22, 2004, the Manhattan Bridge work was finally completed. The N returned to its full route in Manhattan and Queens at all times, and returned to using the Manhattan Bridge at all times except nights (via Fourth Avenue express, bypassing DeKalb Avenue). On weekdays, N trains ran express between 34th Street in Manhattan and 59th Street in Brooklyn, and local elsewhere. On weekends, it makes local stops in Manhattan, but express in Brooklyn, using the bridge. During late nights, it runs local along its entire route via the Montague Street Tunnel, replacing the R train.[2][8][9]
On May 29, 2005, the new Stillwell Avenue terminal was completed, and N service between 86th Street and Coney Island was restored.[2][10]
On June 28, 2010, the N began running local in Manhattan north of Canal Street on weekdays to replace the W, which was discontinued due to budget problems, effectively adopting the weekend service pattern.[11][12]
On August 2, 2013, the Montague Street Tunnel was closed for Hurricane Sandy-related repairs and overnight N service was rerouted via the Manhattan Bridge.[13] Overnight N service through the tunnel resumed on September 14, 2014.
On February 19, 2016, the MTA announced that as part of a Second Avenue Subway-related reroute of BMT Broadway Line services, the N between 34th Street–Herald Square and Canal Street would run express during weekdays with local service replaced by a newly reinstated W train.[14][15][16] The MTA approved the service change on May 23, 2016.[17] The changes will take place on November 7, 2016.[18] The handful of N trains that currently short-turn at 57th Street during rush hours will be extended to 96th Street using the Second Avenue Subway when it opens.[19]
Service pattern[edit]
The following table shows the lines used by the N, with shaded boxes indicating the route at the specified times:
|all ex.
|BMT Astoria Line (full line)
|Astoria–Ditmars Boulevard
|Queensboro Plaza
|60th Street Tunnel
|BMT Broadway Line
|Lexington Avenue/59th Street
|Prince Street
|Canal Street
|City Hall
|Whitehall Street–South Ferry
|Manhattan Bridge
|Montague Street Tunnel
|BMT Fourth Avenue Line
|Court Street
|Jay Street–MetroTech
|DeKalb Avenue
|Atlantic Avenue–Barclays Center
|59th Street
|BMT Sea Beach Line (full line)
|Eighth Avenue
|Coney Island–Stillwell Avenue
For a more detailed station listing, see the articles on the lines listed above.
|Station service legend
|Stops all times
|Stops all times except late nights
|Stops late nights only
|Stops weekdays only
|Station closed
|Stops rush hours/weekdays in the peak direction only
|Time period details
- ^ "mta.info - Line Colors". mta.info.
- ^ a b c d e f g h i j k l m n o p "NYCT Line by Line History". erictb.info.
- ^ service notice, effective November 27, 1967
- ^ service notice, effective April 15, 1968
- ^ "Service Adjustments on the BMT and IND Lines Effective Midnight, Saturday, August 27 New York City Transit Authority (1977)". Flickr - Photo Sharing!. Retrieved 2016-06-09.
- ^ "System-Wide Changes In Subway Service Effective Sunday, December 11, 1988". Flickr - Photo Sharing!. Retrieved 2016-06-17.
- ^ "Service Changes September 30, 1990" (PDF). subwaynut.com. New York City Transit Authority. September 30, 1990. Retrieved May 1, 2016.
- ^ "B D M N Q R W Weekday Service Manhattan Bridge Map" (PDF). mta.info. Metropolitan Transportation Authority. February 2004. Retrieved September 18, 2016.
- ^ "MTA NYC Transit Manhattan Bridge Information". 2004-02-05. Retrieved 2016-09-18.
- ^ "Noteworthy - N restored to Coney Island". 2005-05-07. Retrieved 2016-09-18.
- ^ "MTA | Press Release | NYC Transit | Major Subway Changes Set for Monday". www.mta.info. Retrieved 2016-10-20.
- ^ "Evaluation of 2010 Service Reductions" (PDF). mta.info. New York City Transit. September 23, 2011. Retrieved October 20, 2016.
- ^ "R Train To Resume Service Between Brooklyn And Manhattan Monday". cbslocal.com.
- ^ "Ahead of 2nd Ave. Subway opening, MTA officially set to restore W service to Astoria". Second Ave. Sagas. Retrieved 2016-02-19.
- ^ "MTA Confirms W Train is Coming Back". TWC News. Retrieved 2016-02-19.
- ^ "MTA | Press Release | NYC Transit | MTA Advances Work On Second Avenue Subway Service". www.mta.info. Retrieved 2016-02-19.
- ^ "W Train's Return Is Now Official With Approval From MTA Board". DNAinfo New York. Retrieved 2016-05-26.
- ^ "The W is coming back to Broadway, with the N, Q and R starring in new roles!". Metropolitan Transportation Authority. October 2016. Retrieved October 20, 2016.
- ^ "SUB-DIVISION B TRAIN OPERATOR/CONDUCTOR ROAD & NON-ROAD WORK PROGRAMS IN EFFECT: NOVEMBER 6, 2016" (PDF). progressiveaction.info. New York City Transit. July 29, 2016. Retrieved August 19, 2016.
- ^ "GTFS Schedule Data - New York City Transit Subway" (ZIP). New York, NY: Metropolitan Transportation Authority. May 13, 2011. Retrieved June 1, 2011.
External links[edit]
|Wikimedia Commons has media related to N (New York City Subway service).
|Wikinews has related news: New York City Subway N service to be restored to Coney Island May 29, via the Sea Beach Line
- MTA NYC Transit – N Broadway Local
- "N Subway Timetable, Effective December 6, 2015" (PDF). New York Metropolitan Transportation Authority. Retrieved 2016-03-07.


text:
Thanks so much for all the great recipe websites :D
Printable View
http://allrecipes.com/ have FREE menu planning :) Or Do It Yourself with their planners :D + You can make your own Recipe Box there by saving your favourites :D
Thanks for the inspiration Jamie... I made these on Friday & they are delicious... mine look a little different because I used the wrong flour but the flavour is still there!!
Here's my layout to show my TREATS (thanks Connie) @ http://gallery.gingerscraps.net/show...5215&nocache=1
PLUS an extra for this month's Font Challenge - Sweet Treats @ http://gallery.gingerscraps.net/show...treats&cat=762
It is officially fall in the USA, and one of my favorite fall recipes is Apple slices with Caramel. Home made caramel is EASY, and very yummy.
1 stick of real butter
1 cup brown sugar
1/3 cup heavy whipping cream (or milk, but milk will make the caramel get harder)
2 TBSP light corn syrup
A dash of salt
Put everything into a saucepan. If you have one with a heavy bottom, that works best, but any will work. Turn the heat on medium. Stir it together with a wisk as the butter melts, but once the butter is completely melted stop stirring and just let it cook. It will bubble and look slightly foamy. Let it cook for 5-7 minutes. DO NOT STIR during that time. At all. It's hard to do, but don't do it. Use this time to get a glass bowl or some other non-plastic container for your extremely hot caramel. Your caramel will start to turn slightly darker, sometimes getting streaks of darker brown in it. Take it off of the heat and pour into the bowl or other container you got ready. DO NOT LET ANY OF THE CARAMEL TOUCH YOUR SKIN. I am not joking, it will blister you immediately. It is HOT. Give it a few minutes to cool off before you touch it, and even then use caution. It will stay pourable/dippable for about 20-30 minutes before setting up. Adding more cream to the recipe will lengthen this time, and 1/2 a cup of heavy cream will keep it soft.
This caramel is also fantastic for pouring over popcorn. If you want to get creative, add a little pumpkin spice to the mix as well.
YUM April!!
It looks like this thread has been abandoned for a long while...TOO long!! :)
If anyone is interested, I am a Pampered Chef Consultant-and I can do parties online (Facebook mostly) if anyone is interested.
But more importantly, I LOVE FOOD!! I mean-who doesn't??!!
I really love seeing recipes and ideas from people from all over the world, and would love to get this thread started again!
This recipe for EASY THAI CHICKEN is so dang easy and delicious - you should however have a pan that can be put in the oven - I use a cast iron pan for it and serve it with sticky rice and brocolli or even an asian veggie mix.
Find recipe here: http://damndelicious.net/2015/06/17/easy-thai-chicken/
This is another recipe from the same site as above that I plan to make soon because I love the idea of only one pan to clean!
Link: http://damndelicious.net/2016/04/22/...san-asparagus/One Pan Baked Chicken with Butternut Squash and Parmesan Asparagus
We signed up for Slender Kitchen and we have loved almost all of the recipes so far!


text:
The third annual Fay-Man Day of Races were held Sunday at Fayetteville-Manlius High School.
The event, a fundraiser for the F-M All Sports Booster Club, offered three races - the Muddy Hornet Challenge, a 5k Race of Champions and the Mud Puppy Dash Fun Run for kids.
The top runners in the timed 5K Race of Champions were:
Male: Oliver Crain, 18, of Syracuse: 18:43
Female: Tina Hunt, 28, of Stanley: 19:49
The day's races also included the Muddy Hornet, a 3-mile obstacle course competition modeled after the popular Warrior-style races. It had more than 20 obstacles, from mud pits and water trenches, to climbing walls and tunnel crawls.
Complete 5K results
(Times are courtesy of Leone Timing and Results)
Online Database by Caspio
Click here to load this Caspio Online Database.


text:
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Three weeks into the racing season (well, five if you count rainouts), and Matt DeLorenzo is already feeling the heat. The new promoter at Fonda Speedway was raked over the social media coals earlier this week for a slick, dry racing surface at the Track of Champions last Saturday. DeLorenzo admits he was fooled by the weather forecast. "After we got rained out [on May 3], we really sealed the surface and packed it in ...
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Ibex Woolies Zip T-Neck Stripe - Men's
Manufacturer's Description
Visit Ibex's Woolies Zip T-Neck Stripe page.
Retailers' Descriptions
Here's what other sites are saying:
On Sale. Free Shipping. Ibex Men's Woolies 150 Zip Tee Stripe Top FEATURES of the Ibex Men's Woolies 150 Zip Tee Stripe Top Lightweight Merino rib-knit baselayer top 9in. zip neck with locking pull Flatlock seams Set in sleeves Wide cuff detail Tag-free label SPECIFICATIONS of the Ibex Men's Woolies 150 Zip Tee Stripe Top 100% Merino Wool 18.5 micron Lightweight Rib knit 150 g/m2 Form fit
- Moosejaw
Featuring a ventilating zipper and fun striped pattern, the lightweight men's Ibex Woolies 150 Striped Zip T-Neck long underwear top can be worn alone in cool weather or layered for maximum warmth. Versatile New Zealand merino wool offers high performance and great natural stretch and recovery; its smooth surface enhances softness and comfort. Quick-drying, moisture-wicking merino wool naturally resists odors and won't itch. 9 in. front zipper with locking zipper pull offers easy temperature regulation. Flatlock seams are soft and designed to eliminate chafing; raglan sleeves enhance freedom of movement. Wide cuffs; tag-free labels. The Ibex Woolies 150 Striped Zip T-Neck long underwear top is formfitting and machine washable.
Say goodbye to the man-made synthetic fibers of your old base layer and say hello to the soft, moisture-wicking Ibex Mens Woolies Zip T-Neck Stripe Long-Sleeve Top. Ibex uses ultra-soft, naturally warm New Zealand merino wool for an experience that will make those cold weather activities more enjoyable than ever.
- Backcountry.com
A first layer for cooler temperatures. Made from superfine wool, the Woolies Zip T-Neck is made from lightweight ribbed fabric that keeps you dry and warm.
- Altrec Outlet
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text: Nike golf clubs are starting becoming more and more popular as the seasons pass. Especially with players such as Tiger Woods and Rory Mcilroy using their equipment to great effect. This trust has moved in to the amateur side of golf as each day more and more players are turning to Nike.


text:
Dramedy The Way West Examines the American Dream
* Additional fees apply. No coupon or promo codes necessary to enjoy the displayed discount price.
The last date listed for The Way West was Sunday June 8, 2014 / 3:00pm.
Currently at Steppenwolf Downstairs Theatre
Loss and Family Connection in Visiting Edna
- Full Price:
- $69
- Our Price:
- $20
Tony Award-winning director Anna D. Shapiro, Tony and Emmy Award-winning actress Debra Monk and Tony… More
Venue Details
Reviews & Ratings
Featured review from Sequoia
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Funny yet empathetic show about family and the decaying American dream. Well written, full of humor, but its easy to connect to the characters. A bit cliche' at times, but really a good show. The acting was superb and made the production.
star this review starred report as inappropriate
This play is perfectly cast. All the actors manage the loopy, dark humor of it without losing sight of the larger story.
star this review starred report as inappropriate
Not the best play I've been to, by any stretch. I enjoyed a few small sections, my husband, however, did not. The ending was quite abrupt and in no way satisfying. I will say that the acting was very good!
star this review starred report as inappropriate
Excellent story that made the people of the West make sense to me (I lived out there for the past decade), as well as made me think of the American experience in a way I never had before. Impeccable performances as well.


text:
Most of Thursday's focus was on final preparations for Saturday's 3:00 pm season opener against Tulsa, at Legion Field. Blazer coaches did take time to welcome the newest member of the 2008 signin...
Blazers Add Final Player To 2008 Signing Class
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realmagick.com The shrine of knowledge.
Quadrophenia Song Notes
A selection of articles related to quadrophenia song notes.
Original articles from our library related to the Quadrophenia Song Notes. See Table of Contents for further available material (downloadable resources) on Quadrophenia Song Notes.
- King James Bible: Deuteronomy, Chapter 31
- Chapter 31 31:1 And Moses went and spake these words unto all Israel. 31:2 And he said unto them, I am an hundred and twenty years old this day; I can no more go out and come in: also the LORD hath said unto me, Thou shalt not go over this Jordan. 31:3 The...
Old Testament >> Deuteronomy
- An Overview of Gospel Music
- Gospels refer to the first four books of the Bible's New Testament. These hymns became integral part of worship services of "Protestants".
>> Poetry & Fable
- "The Holly and the Ivy": a Re-Heathenized Traditional Yuletide Carol
- Note: this song, in its Christianized form, was sung at the Lexington Unitarian Universalist Church in December 1999. The following comments were printed on the songsheet: "In early times, when reference was made in song or verse to 'holly' or 'ivy,'...
Holidays >> Yule
- The Rainmaker's Apprentice
- Once a Rainmaker and her new apprentice were traveling through the forest. When they stopped at a stream to fill their canteens, the apprentice asked the Rainmaker if she could call the rain. "Well," said the Rainmaker, as she looked about them at...
Poetry & Fable >> Fables
- Looking For The Hub Of The Sacreed Wheel: Part 2
- Now the point of any study of how much we share in our search for the Deity must be in what shared behaviors should we expect? For the purposes of the community of A Mystical Grove, this must be in how we revere and cherish Nature in all its manifold...
Religion & Philosophy >> Religions
- Black Gospel Music
- Black Gospel music is also known as Urban Contemporary Gospel music. Its roots were the Negro spiritual songs that were sang by the African slaves while tilling the rich cotton fields of their white Southern masters in the early 18th century.
>> Poetry & Fable
Quadrophenia Song Notes is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Quadrophenia Song Notes books and related discussion.
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text:
Shutters on the Beach
California casual elegance right on the beach.
At this on-the-beach retreat, travelers appreciate the respite from L.A.'s high octane atmosphere. The exterior design evokes the feeling of SoCal's historic 1920s beach properties, with slate-gray shingled siding, flower-covered trellises, balconies and striped awnings. Two large wood-burning fireplaces add a cozy feel to the inviting lobby. Original works, lithographs and objets d'art by talents such as David Hockney, William Wegman, Roy Lichtenstein and others are prominently displayed throughout the hotel. Guest rooms --- many offering ocean views --- exude the feeling of a luxurious beach home, with expansive marble bathrooms and large whirlpool tubs with glass windows that open from the bath to allow views to the outdoors. The Presidential Suites feature fireplaces and full ocean views. All rooms and suites include stereos, DVD players, 32-inch flat-screen TVs and high-speed Internet access. In addition to a complete business center, amenities include a beautiful swimming pool, deck with beach view, Jacuzzi and state-of-the-art health club. ONE Spa offers Kerstin Florian, Luzern, Hydropeptide and Omorovicza treatments. Meeting spaces include three rooms that open onto an outdoor terrace. Shutters is a beautiful spot for weddings and receptions. One Pico is the hotel's handsome dining room with a view, offering contemporary cuisine. Coast is a bustling, more casual café opening onto the boardwalk and featuring California cuisine with Italian touches and a popular weekend brunch.
Hotel Information
Address1 Pico Blvd. (Ocean Wy.) Santa Monica CA 90405 U.S.
Contact310-458-0030, 800-334-9000 Hotel's Website
Hotel detailsBusiness center Fitness center Meeting room(s) Spa Swimming pool Valet parking
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US and Canada: 1-800-780-5733 Europe: 00-800-11-20-11-40 Promo Code 189391
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