text:
No local flooding reported
WARM TEMPERATURES, melting snow and ice and a prediction of rain for this morning raises the possibility of flooding in some parts of Belmont County.
However, as of this morning, creeks and streams are within their banks and no reports of high water have been received, according to officials at the Belmont County Emergency Management Agency.
The EMA monitored several areas of the county on Wednesday and Thursday, including the Wheeling Creek area from Wolfhurst to Goosetown and Boydsville.
The ice jam in Wheeling Creek in the Wofhurst and Goosetown area broke loose Thursday evening and the water is flowing, according to Dave Ivan, EMA director.
Becky Horne, executive administrative assistant at the EMA, said no major damages or flooding were received on Thursday. However, residents who live near streams and creeks are advised to watch for rising water levels. "The rain we are getting today could cause the creeks and streams to rise suddenly," she said.
The road leading from US 40 to Boydsville was closed Wednesday night, but a spokesperson at the Roscoe Road garage of the county engineering department, said the water receded and the road was reopened. A resident in Goosetown said the water level in the creek has dropped quite a bit. Dayle Conaway, road supervisor, at the Roscoe Road garage, said no reports of flooding or closings of county roads have been reported.
This morning, Conaway said all appeared to be well in the county. "We are knocking on wood ," Conaway said. "Thus far no reports of flooding have been reported and there are no trees or branches down on county roads," he said.
A section of Ohio 149 was closed Wednesday afternoon, but was reopened at 4:20 a.m. Thursday, according to Tom Johnson of the Ohio Department of Transportation garage in Morristown.
Kim Mercer, spokesperson at the ODOT garage said no reports have been received today of water on on any of the state roads, She said it was the same with trees and branches.


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International Edition
October, 21, 2016
About Us
Contact Us
KMT to call for extra legislative session: whip
July 7, 2014, 12:05 am TWN
TAIPEI--The ruling Kuomintang (KMT) will call for a two-week extra legislative session to review the nominees for members of the Control Yuan and a bill for the establishment of free economic pilot zones, according to the party's legislative whip.
Lin Hung-chih, who is also the chief of the KMT Policy Coordination Committee, said the session will begin July 28 and last until Aug. 8.
The party controls 65 seats in the 113-seat Legislative Yuan, much more than the one-fourth support needed to open an extra session.
Lin said the approval of the nominees for the Control Yuan, the top government supervisory body, and the free economic pilot zones bill will be the priority in the extra session.
Both items were on the agenda for an extra session from June 13 to July 4, but proceedings were blocked by the opposition Democratic Progressive Party (DPP).
The 29 nominees for the Control Yuan were supposed to fill the vacancies left by the current Control Yuan members after their six- year term ends July 31.
The bill for the free economic pilot zone project seeks to turn six ports and one airport into areas exempted from many local regulations.
The DPP has questioned the credentials of many nominees for the Control Yuan members and opposed the pilot economic zones, threatening to continue to block both items.
While the DPP's prevention of legislative action has been criticized by some scholars as non-democratic, it has also prompted calls for the ruling party to drop the nominees branded by the opposition as unqualified.

subset: commoncrawl


text:
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- King James Bible: Acts, Chapter 27
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History & Anthropology >> Celtic & Irish
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- What is Wicca? | Wiccan Traditions | Wiccan Concepts What is Wicca? 'An it Harm None, Do what Thou Will' shall be the whole of the law. It's the rede that most Wiccan witches around the world bind themselves to. What exactly is Wicca? It's a religion based on...
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American Financial Group, Inc. (NYSE:AFG)
Q3 2009 Earnings Call Transcript
October 27, 2009 11:30 am ET
Keith Jensen – SVP and CFO
Carl Lindner III – Co-CEO/President and Director
Amit Kumar – Fox-Pitt, Kelton
Abe Schloss – Maxim Group
Jay Cohen – Bank of America-Merrill Lynch
Good morning, my name is Andrao and I will be your conference operator today. At this time, I would like to welcome everyone to the American Financial Group 2009 third quarter earnings conference call. (Operator instructions)
Thank you. And now, I'd like to turn the conference over to Mr. Keith Jensen, Senior Vice President of American Financial Group. Please go ahead, sir.
Keith Jensen
Thank you very much and welcome. I'm here this morning with Craig Lindner and Carl Lindner III, co-CEO's of American Financial Group. I'm pleased to welcome you to American Financial Group 2009 third quarter earnings results conference call.
If you are viewing the webcast from our website, you can follow along with the slide presentation if you'd like. Certain statements made during this call are not historical facts and may be considered forward-looking statements and are based on estimates, assumptions and projections, which management believes are reasonable but by their nature, subject to risks and uncertainties.
The factors which could cause actual results or financial conditions to differ materially from these suggested by such forward-looking statements include but are not limited to those discussed or identified from time to time in AFG's filings with the Securities and Exchange Commission including our Annual Report on Form 10-K and quarterly reports on Form 10-Q.
We do not promise to update such forward-looking statements to reflect actual results or changes in assumptions or other factors that could affect those statements. Core net operating earnings is a non-GAAP financial measure, which sets aside items that are generally not considered to be part of ongoing operations, such as net realized gains and losses on investments, the effects of accounting changes, discontinued operations, significant asbestos and environmental charges and other nonrecurring items.
AFG believes this non-GAAP measure to be a useful tool for analysts and investors in analyzing ongoing operating trends and will be discussed for various periods during this call. A reconciliation of net earnings attributable to shareholders to core net operating earnings is included in our earnings release.
Now, I'm pleased to turn the call over to Carl Lindner III, co-Chief Executive Officer of American Financial Group to discuss our results.
Carl Lindner III
Good morning and thank you for joining us. We released our 2009 third quarter results yesterday afternoon. AFG has again posted record operating results even as we are faced with an economic downturn and competitive market conditions.
We also announced yesterday an increase in AFG's annual dividend to $0.55 per share, beginning in January of 2010. This dividend will be the fifth consecutive annual dividend increase for the company and represents a 6% increase over the dividend paid in 2009. We believe it underscores the confidence of the Board and management in the company's business and long-term financial outlook.
We thank god for his blessings and we are grateful for our management team for their excellent work during this time of economic challenge. We believe that the depth and breadth of AFG's specialty insurance expertise has enabled us to deliver high-caliber service to our policyholders and agents and produce long-term value to our shareholders.
I'm assuming that the participants on today's call reviewed our earnings release and the supplemental materials posted on our website. I'll review a few highlights and focus today's discussion on key issues in our outlook for the remainder of 2009 and 2010.
A record third quarter and year-to-date core net operating earnings per share were up 9% and 5% from the same 2008 periods, reflecting improved underwriting results in our specialty property and casualty operations. We have an annualized return on equity of about 16% including realized gains and losses for the first nine months of this year. Our net earnings of $1.09 per share for the 2009 third quarter and $3.07 for the first nine months of 2009 were also substantially higher than the prior-year periods, primarily because of improved core earnings and realized gains on investments, which include the offsetting effect of impairment charges.
Earlier this month, we announced a fourth quarter after-tax realized gain of approximately $50 million or $0.42 per share on the sale of our 35% of our holdings in Verisk Analytics. We are very pleased with our returns on this investment and continue to hold approximately 6.7 million shares of Class B common with a cost basis of approximately $24 million. Class B common shares are convertible into Class A shares on a share-for-share basis after the expiration of holding periods and had a market value of $191 million at yesterday's closing price.
Interest and other corporate expenses increased from the third quarter period, primarily due to increased borrowing costs and expenses associated with their employee benefit plans. As you'll see on Slide 4, AFG's book value per share including all unrealized gains and losses on investments increased to $31.49 as a result of the strong earnings performance and a significant improvement in the market value of our investment portfolio. This represents an increase of 46% from the $21.54 per share reported at the end of 2008. And tangible book value was $29.17 at September 30th, 2009, up 53% from year-end 2008.
Our capital adequacy, financial condition and liquidity remain strong and are key areas of focus for us, especially in these times of economic uncertainty. We have maintained capital on our insurance businesses at levels that support our operations and are consistent with amounts required for rating levels.
We are pleased to have completed a $350 million debt offering earlier this year. We used the proceeds of this offering to repay an outstanding indebtedness on our bank line. While repaying a higher rate of interest as compared to the rates on the bank line, prudent capital management remains a priority and we see this new debt as an additional source of financial flexibility and liquidity. Our leverage of 19% remains well below the levels committed to the rating agencies in the market.
At the end of September, available liquidity at the parent company was in excess of $500 million, based on borrowings available under our bank line and cash and securities held at the parent company. We anticipate continuing to generate additional capital and cash through operations through the remainder of 2009. Our cash and cash equivalents of $1.4 billion in our insurance companies along with our annuity groups, membership in the Federal Home Loan Bank at Cincinnati provide us with great liquidity to meet any unexpected events.
We are pleased that earlier this month Standard & Poor's changed our rating outlook from stable to positive. We believe this change is, in part, recognition of our strong operating earnings and the strength of our balance sheet capitalization.
Now, turning to Slide 5, you'll see summary results of our specialty property and casualty operations. Overall underwriting profits in the 2009 third quarter were excellent, generating a combined ratio of 83%, a 9-point improvement over the third quarter of '08.
The largest components of this improvement included $51 million of improved underwriting profit from our run-off automobile residual value insurance operations as a result of significant improvement in used car values during the first nine months of the year and $30 million of increased profitability in our crop operations resulting from strong crop yields and favorable trends in commodity prices.
These favorable results were partially offset by reduced underwriting results in several of our other businesses. We remain satisfied with the underwriting profits of most of our specialty businesses and we achieved accident year returns in the mid-teens.
We continue to focus on pricing our business to achieve appropriate returns. The average renewal rates in the specialty operations in the first nine months of 2009 were up slightly from the prior-year period. The decrease in net written premiums for the third quarter were primarily the result of changes in our reinsurance for the crop business. We have an agreement under which we seated 90% of our net premium as compared to 50% in 2008. We are considering returning to the prior level of cessions for 2010, around 50%. A related profit sharing component allows us to benefit from the favorable results in this business.
Soft market conditions and planned volume reductions in certain product lines also contributed to the premium declines. The economic downturn as – impacted premium levels as some of our insurers have a lower premium base, such as in our California workers' comp business. Also affected are general liability and property lines of shared [ph] homebuilders who are building fewer properties. Some of these business owners also choose to reduce coverage in tough economic times. Excluding crop, the overall decrease in net written premium for the quarter was about 11%.
Gross investment income related to our property and casualty operations was up approximately 4% for the quarter when compared to the same period last year as we had benefited from higher yields in this segment's portfolio.
Now, I'd like to discuss a few highlights from each of our specialty business groups on Slides 6 and 7. Property and transportation group generated excellent underwriting results during the third quarter and first nine months of 2009, reporting increased underwriting profit and improvements in the combined ratio.
Higher underwriting profits were driven primarily by improved results in our crop operations and lower catastrophe losses in our property and inland marine operations. According to data provided by the USDA, average corn and soybean yield estimates are running about 7% higher than last year's yield. Harvested corn and soybean crops, however, are lower than normal for this time of the year. Notwithstanding some of the uncertainties surrounding a late harvest, we expect to have a very favorable crop results this – for the year.
Commodity pricing for corn has held up nicely since the February base pricing, while soybeans are up about 14%. Given that the majority of our business is written with a deductible for the farmer of 25% or greater, we think pricing related losses will be minimal this year. This group's average rates on renewal for the first nine months of the year were down slightly when compared to the same period a year earlier.
Moving on to our specialty casualty group, this group continued to produce strong underwriting profits in the third quarter and the first nine months, but at lower levels than 2008. Improved underwriting results in our executive liability operations were more than offset by lower underwriting profits in our excess and surplus funds, general liability, and targeted markets' operations. Average renewal rates for the first nine months were flat compared to 2008.
Significant competitive pressure in the excess and surplus lines continues and seems to be showing a little sign of abating. Some of this business has moved back to standard lines in the wake of soft market conditions and rates in the non-admitted market are at a fraction of what they were in the hard market in 2000. We continue to see aggressive competition from tax advantage (inaudible) companies, yet we are focused on maintaining our underwriting discipline to generate healthy returns in these lines of business and to deliver high quality service to our policyholders.
Specialty financial group reported excellent underwriting profits for the third quarter and first nine months, driven by the improved results in our run-off RVI business. Our remaining RVI reserves relate primarily to Canadian RVI contracts with Honda that terminate through the end of 2010. If frequency and severity continue at current levels, we would expect additional favorable development.
The foreign trade credit operations achieved significant rate increases for the first nine months of 2009. Average rate – renewal rates for the other businesses in this group were flat. Our California workers' comp business reported a small underwriting loss for the third quarter and first nine months of 2009. Underwriting results were affected by lower prices due to a competitive environment. We are seeing some increases in severity trends in this business, primarily related to increases in medical costs. We are encouraged to see rates strengthening in this part of our business as our average renewal rates in California are up 6% for the quarter.
The WCIRB has recommended a 22.8% increase in pure premium rates, effective January 1st, 2010 based on 2009 loss experience and anticipated loss costs from recent court decisions about the permanent disability rating schedule and is subject to administrative review. We do believe that more rate is needed to achieve appropriate returns in this part of our business.
Now, I'd like to move on to a review of our annuity and supplemental insurance group on Slide 8. Profitability of the fixed annuity line has benefited from the impact of increased spreads during 2009. Our annuity and supplemental insurance operations help us fulfill our specialization strategy and balance the ebbs and flows of the overall property and casualty insurance market cycles.
The annuity and supplemental insurance group generated pretax core operating earnings for the third quarter that were approximately 5% lower than the comparable period in 2008. However, the first nine months, these earnings are 6% above the same 2008 period. Increased spreads in our fixed annuity lines have been a primary contributor to these results. Lower operating earnings in our supplemental insurance operations more than offset these improvements in the third quarter.
We continue to experience strong persistency in our annuity business. For the first nine months of 2009, surrenders in our fixed annuity block are unchanged over the same period last year as many of our annuities are designed with surrender protection features. We continue to move toward product designs that reward policyholders and agents for long-term persistency. We believe the focus on health care reform and Medicaid cost reduction could expand demand for our supplemental health products.
Statutory premiums for the third quarter of 2009 were lower than those in the third quarter of 2008, primarily due to lower sales of indexed annuities in the single premium market. The decrease in premium is consistent with our strategy of exercising financial discipline in the pricing of our annuity products.
Now, please turn to Slide 9 for a few highlights regarding our investment portfolio. During the third quarter of 2009, we recorded after-tax realized gains on investments of $3 million including the offsetting effect of other than temporary impairments of $17 million after tax.
After-tax unrealized gains were $127 million at September 30th, 2009. Vast majority of our portfolios held on fixed maturities with approximately 92% being investment grade. We have provided additional detailed information on the various segments of our investment portfolio in the investment supplement on our website.
Now, I'd like to cover our expectations for the remainder of 2009 on Slides 10 and 11. We have increased our core net operating earnings guidance for 2009 to be between $4.05 to $4.25 per share. Key factors influencing this change include better-than-expected underwriting results in our crop operations and a favorable development in our run-off RVI operations.
We expect to maintain adequate rates in our specialty property and casualty operations because of our strong underwriting culture and expect to achieve a combined ratio of about 81% to 83%. That said, we are targeting flat-to-modest increases in overall average renewal rates for the remainder of the year.
We expect net written premiums in our specialty property and casualty operations to be down 17% to 20% from 2008 levels, primarily due to the increased reinsurance cessions under our crop quota share agreement and the weakness in the economy. Excluding crop, we expect a decline of 6% to 9%.
Based on recent market conditions, we expect full-year core operating earnings in our annuity and supplemental insurance group to be 8% to 10% higher than in 2008, excluding the potential effect of the customary fourth quarter review of deferred acquisition costs. We expect that any resulting DAC write-off will not have a material impact on AFG's earnings guidance for the year. You'll find additional details about our outlook for the specialty property and casualty segments on Slide 11.
I'd like – now, I'd like to cover our outlook for 2010 on Slide 12. We announced yesterday that we expect our 2010 core net operating earnings to be in the range $3.10 to $3.50 per share. This guidance is lower than that for 2009 due to the level of favorable reserve development recorded in '09, especially in our run-off RVI business, the above average profitability projected in our crop operations in 2009, a continued soft market, and lower investment returns expected in 2010. The 2009 and 2010 expected results exclude the potential for significant catastrophe and crop losses, significant adjustments to A&E and large gains or losses from asset sales or impairments.
Now, we'd be – like to open up the lines for any questions. Thank you.
Question-and-Answer Session
(Operator instructions). We'll pause for just a moment to compile the Q&A roster. And your first question comes from the line of Amit Kumar with Fox-Pitt, Kelton.
Amit Kumar – Fox-Pitt, Kelton
Strong results. I guess, just going back on your color on the rates, Bill Berkley in his comments this morning talked about the industry where he suggested that '09 accident year would be 108 to 110 and 2010 will be 110 to 112 and he forecasted that this would eventually lead the price increases of roughly 8% to 10% for 2010 and perhaps even more for 2011. Based on your business segments and what you are seeing out there, would you sort of directionally agree with this forecast or are you seeing something different in your business lines?
Carl Lindner III
Well, first of all, let me speak to the industry – Bill's comments about the industry. It's hard to put a precise time on when things are going to happen, but the rubber has to hit the road here with regards to increasing accident year combined ratios and the need for additional price for the industry. Clearly, we think we are operating on a – with better underwriting results than the industry.
So – that said, we feel our accident years today for '09 still give us in the mid-teens kind of ROE's, but on California comp, clearly we need weight. We got 6% in the quarter, but we probably need another 10% to 12% on top of that to assure us that we can produce the accident year underwriting profitability in that business that we need long term.
In property and transportation – those are kind of unique businesses. The crop business is in a class of its own and is really – doesn't really correlate to allow the other businesses in the industry, which I think is probably a strength for us and that doesn't really correlate to hurricane and cat-exposed property or other businesses. So that business is clearly a lot different and kind of stands on its own, as well as maybe some businesses like equine mortality or financial institutions or financial institutions' book in our specialty financial part that really is kind of a contra-core economy kind of a business, where it's actually growing pretty good.
That said, in our many of our property and transportation and casualty businesses, we need to achieve some rate. I think our 2010 guidance clearly reflects my opinion about prices and we are trying to reflect a very reasonable realistic viewpoint of where accident year combines are going for us and for the industry in that guidance.
Amit Kumar – Fox-Pitt, Kelton
That's very helpful. I guess just related to that, in terms of the competition, I know you talked about that in the opening comments, but are you seeing sort of inflection points where you see that the margins are being eroded for them and hence, they are at that point where they might start pulling back or is the aggression still the same?
Carl Lindner III
I wouldn't – I think we are in a competitive environment though not a crazily – crazy competitive environment. And generally, when you listen to everybody's earnings reports and generally, everybody – rates on renewals are fairly stable, but there is – it's very competitive for new business and some large competitors that have been on the roads are protecting renewals pretty substantially in that. So I'd say that this is a competitive market – very competitive marketplace, not crazy at this point and I think everybody – I think the industry is on the verge of really needing some substantial rates.
Amit Kumar – Fox-Pitt, Kelton
That's helpful. Can you – I guess, just related to what you said, can you maybe also talk a bit about sort of the claims inflation trends you might be seeing?
Carl Lindner III
Keith, you want to speak to that? I don't think we are seeing any – anything unusual. I think where at California, the only segment probably is a little different – California comp where because of reform we saw a very moderate inflation in the past, but I think we are back to a more normal severity or inflation mode in California comp now that we are away from reform.
Amit Kumar – Fox-Pitt, Kelton
And then what's your forecast overall as we head into maybe coming out of this recessionary environment? When do you see that change or I guess pick up down the road?
Carl Lindner III
There is a chance that you could see inflation tick up a couple of years from now. Certainly doesn't seem to be any signs right now in any of the industry statistics or in our claims stats on that. Keep in mind, AFG maybe a little bit different in that 45% of our businesses, short-tale property, transportation – shorter-tale businesses to begin with. So inflation probably doesn't have as big a potential impact on reserves or long-term.
Amit Kumar – Fox-Pitt, Kelton
Okay, that's helpful. And then maybe sort of changing gears here, can you just remind us what were the remaining reserves on the RVI book? I think you mentioned in the opening comments that if trends continue, there could be a possibility of additional reserve releases.
Keith Jensen
The remaining reserves as of the end of the year were in the $50 million range.
Amit Kumar – Fox-Pitt, Kelton
$50 million?
Keith Jensen
That was both domestic and Canadian reserves.
Amit Kumar – Fox-Pitt, Kelton
Domestic and Canadian? Can you – I guess, related to that is, can you talk a bit about – there is a news release out there, which talks about the sale of the Premier Dealer Services to PDS Holdings.
Keith Jensen
Sure. That is a third party administrator that works primarily on product in the auto market. It's an area that we have strategically concluded that we are going to disengage from. We've come – we've discontinued our excess wear and tear in our GAAP product and so this is part of that departure. It's a very small dollar value for us.
Amit Kumar – Fox-Pitt, Kelton
Okay, that's very helpful. And then I guess final question. When you talk about the 2010 guidance, can you sort of give some sort of broad guidelines similar to what you have on Slide 11, what you do for '09? Can you sort of just briefly go through at least some of the lines and talk about 2010?
Carl Lindner III
We are kind of right in the middle of our business planning right now. Generally, we release that information, but it usually comes with our year-end results.
Amit Kumar – Fox-Pitt, Kelton
Okay. Okay, that's all for now. Thanks so much.
Thank you. Your next question comes from the line of Abe Schloss with Maxim Group.
Abe Schloss – Maxim Group
Hi, good morning and congratulations on a great quarter again. Just – you announced you are taking a $50 million gain on VRSK in the fourth quarter and I was just wondering how you would translate that gain plus the unrealized gain we have in the stock with the stock at $28 into our current book value.
Keith Jensen
It's – all of that is included in the current book value. If you think about it, we've got about 117 million shares outstanding and on our remaining holdings in Verisk, they would be, at a value at yesterday's closing, in the $190 million range with $25 million of cost basis. So call that $165 million, so you would be approximately $1.50 of book value associated.
Abe Schloss – Maxim Group
That's in our book value then?
Keith Jensen
That's per tax, $1 after tax.
Abe Schloss – Maxim Group
Okay, thank you.
Thank you. And your next question comes from the line of Jay Cohen with Bank of America-Merrill Lynch.
Jay Cohen – Bank of America-Merrill Lynch
Hey, couple of questions. Just to follow up on that Verisk question, so the remaining ownership, you – that will be mark-to-market going forward?
Keith Jensen
Yes, that's correct, Jay.
Jay Cohen – Bank of America-Merrill Lynch
I see you'll have some unrealized gain there assuming the stock stays where it is.
Keith Jensen
Jay Cohen – Bank of America-Merrill Lynch
I want to switch to the topic of capital. Obviously, your GAAP equity has recovered dramatically. Statutory surplus has continued to creep up, premiums shrinking. It looks like just based on simplistic measures that you are getting back to a level of excess capital. I know you guys think about it relative to the rating agencies. I'm wondering how you feel about your capital relative to what is needed from a rating standpoint.
Carl Lindner III
Yes, I mean, we feel real good. We've got, as I mentioned before, over $500 million of liquidity. We are at the capital levels we need for the business enough and – so that – we are – that allows us to do what we do best and that's find things to businesses to add, businesses to acquire, we are always looking.
Also, it gives us the flexibility to potentially repurchase shares if we feel that is a good investment and we just increased our common stock dividend. So – yes, I think between those three kind of things – those are the kind of things that we are looking for, as well as the normal organic growth opportunity. So the economy clearly slowed the opportunity for the usual organic growth in our line.
Keith Jensen
I think the other thing, Jay, that I'd highlight is we are doing all of those things at a parent holding perspective. But in the operating company's, from a statutory perspective, the level of capitalization is at the top end or above the capital required for the rating categories, depending on whether you are looking at the BCAR or the S&P cap at. We'll see.
Carl Lindner III
I think, Jay, even with the recovery in the market after such a volatile couple of years in the economy, we want to keep a little power dry, not just to – for potential opportunities or defensively. Things can continue to bounce around a little bit.
Jay Cohen – Bank of America-Merrill Lynch
So when you think about the opportunities to deploy excess capital, you – with your stock trading 80% of reported book value, does that make share repurchases a more attractive alternative if your goal is to grow book value per share?
Carl Lindner III
I would think so.
Jay Cohen – Bank of America-Merrill Lynch
And I'm assuming in your 2010 guidance there is no share repurchase activity assumed in that guidance?
Keith Jensen
That's correct.
Jay Cohen – Bank of America-Merrill Lynch
Okay. That's great. Thank you.
Thank you. (Operator instructions). And you do have a follow-up question from Amit Kumar with Fox-Pitt, Kelton.
Amit Kumar – Fox-Pitt, Kelton
The last question in terms of your capital levels. Are there any segments or specific lines you would be interested in sort of expanding down the road?
Carl Lindner III
I think we – outside of the businesses Keith talked about, the auto related financial product – financial insurance products, we are interested in expanding really pretty much all of our businesses as the right opportunities come along.
Amit Kumar – Fox-Pitt, Kelton
So no new entities or niches I guess?
Carl Lindner III
Sure, we are interested in starting new niches. We started to loop [ph] an environmental liability business over the last 12 to 18 months and we are always starting things up and we are always looking. So – pretty good time to look at things too.
Amit Kumar – Fox-Pitt, Kelton
Right, right, makes sense. Okay, that's pretty much it. Thanks again and once again, congrats on the quarter.
Carl Lindner III
Thanks, Amit.
Keith Jensen
Thank you.
Thank you. And there are no further questions at this time. I'd like to turn the call back over to the floor for any closing remarks.
Keith Jensen
Thank you very much. We appreciate you taking the time to be with us this morning and we look forward to reporting our year-end results early next year. Thank you. Have a good day.
Thank you. Ladies and gentlemen, this does conclude today's conference call. You may now disconnect.
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Welcome to the Gwent Family History Website
Being members Gwent Family History Society is a way we can support each other in our research into family history.
Stop Press.
September Journal Available in Members Area
Resetting Password – you do not have to accept the suggested password, you can change it.
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Map of Monmouthshire, 1831
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After numerous fund raisers and tremendous community support.. they hit their new goal of 36-thousand.
"To be singing in Carnegie Hall is just absolutely one of the best opportunities to have as a singer, performer, or in general," says choir member Isabella Jackson, a junior at the school.The students have to pay for their own meals, unless they raise enough money through two more fund raisers.They're holding a car wash and bake sale tomorrow morning at Doyle's Florist on Langhorne Road.And Monday evening, McDonald's is pitching in. Details are below:SATURDAY (MARCH 23) CAR WASH, COOKIES AND CUPCAKES FOR CARNEGIE! Chamber Choir fundraiser to support trip to sing at Carnegie Hall, 9 a.m. to noon, Doyle's Florist-Car Wash/Bake Sale, 10 percent of profit from the sales from the Doyle's coffee shop during the Car Wash/Bake Sale will be donated to the Chamber ChoirMONDAY (MARCH 25)
Chamber Choir fundraiser to support trip to sing at Carnegie Hall, 5-7:30 p.m., McDonald's Night, Old Forest Road McDonald's, 10 percent of profits from sales will be donated to the Chamber Choir


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MailChimp Email Template Design for Maximum Success
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We are using Mail Chimp for our email marketing - You will be required to design a professional email template with copy/ghost writing included. I will supply some copy that I would like improved so as to maximise the success (opens) of the email. Ie A great subject line, Greeting, First Paragraph, Offer etc. I need a proven expert. I won't be selecting someone just because they say that they can do the job. I want proof, statistics.
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JavaScript in Plain English: Functions and Closures
Sometimes the world is just more complicated than it needs to be. Let's quickly break down some common JavaScript stumbling blocks in Plain English™.
Sometimes the world is just more complicated than it needs to be. Let's quickly break down some common JavaScript stumbling blocks in Plain English™.
In case you missed it, WordPress announced that they have been secretly working on a new project called Calypso that is written entirely in JavaScript. And we all lost our collective mind. Has WordPress, which runs as many as 1-in-4 websites (including this one), really ditched PHP for JavaScript?
A lot of people in the JavaScript community are pretty excited about Facebook's React library, and associated Flux architecture. We've been using quite a bit of these tools in our client-side projects at Quick Left. It can be a little hard to wrap your mind around the way the data flows at first, but once you get used to it, you come to appreciate how clean it can be.
As with any development, test-driving features is the way to go in a Flux app. As I've been learning this technology, I've been collecting some of the less obvious patterns that make testing easier. In this post, we'll take a look at some of these strategies, to make it easier for you to build the next big thing.
Promises are a really useful tool for writing non-blocking, concurrent code, and they're available today in your favorite browser. Promises can make potentially frightening asynchronous code look downright friendly. However, using promises does not guarantee correct code.
There are so many JS frameworks! It can get tiring to keep up to date with them all.
But like any developer who writes JavaScript, I try to keep abreast of the trends. I like to tinker with new things, and rebuild TodoMVC as often as possible.
Joking aside, when it comes to choosing frameworks for a project, emerging frameworks just haven't been battle-tested enough for me to recommend to clients in most cases.
But like much of the community, I feel pretty confident in the future of React. It's well documented, makes reasoning about data easy, and it's performant.


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Got your sights set on Detroit? Good move. Metro Detroit is humming with so many things to do, that packing a ton of fun into a well-deserved escape will be a total cinch - especially if you use this section to sketch out your to-do list of events and attractions.
If you need a direct connection to Amtrak, make your way to the Weiser Railroad at Greenfield Village, one of a few heritage railways to have such a modern-day link.


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You can use a Skype card to buy Skype Credit or subscriptions. Skype cards are available at selected retailers, department stores and kiosks. They have a PIN code (hidden under a scratch-off area) that is used to redeem the card in your Skype account. The following Skype cards are available in Mexico:
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My Job Directing Cranford | reviews, news & interviews
My Job Directing Cranford
My Job Directing Cranford
Director Simon Curtis reveals how Cranford was revisited, in all its bonneted splendour
When Cranford was first shown in 2007 on a Sunday night and then repeated the following weekend, those first two showings got over 10 million people watching each week. You obviously pay attention to that. And because the first series wasn't a straight adaptation of a finished book but based on a set of short stories by Elizabeth Gaskell, there was always the potential for more.
When people first came to Cranford they found it surprising in a very obvious way. Unlike a Jane Austen adaptation, when you know how it's going to end, or David Copperfield which I have directed for the BBC, the audience didn't know how the narrative would turn out. And even if people had read Cranford, they wouldn't have known which stories we had taken, or what the shape would be. So it was surprising, and in the current climate audiences gravitate to the fresh and the new. But it was also surprising in terms of tone. It was genuinely funny, which not many classical adaptations are.
The other thing is that the details of the community spoke to the audience. A lot of people long to live in a tight, intimate community where your existence is noticed, where there is a set of rules and rituals to live by. Anchored in the small town, it is comparable to Desperate Housewives or Coronation Street, a virtual world that people disappear into.
Mrs Gaskell looks at this community in Cheshire that is for one reason or another dominated by a group of women. So it's a woman's perspective on a group of women at a particular time in English history. I've heard people talking about Desperate Victorian Housewives. In the new series there's a foursome – the characters played by Judi Dench, Julia McKenzie, Imelda Staunton (pictured with the director) and Deborah Findlay - and someone has said it almost feels like Sex and the City.
My first job ever was assistant director on Caryl Churchill's play Top Girls at the Royal Court, which had an exclusively female cast. I've always worked with a lot of women. When I did David Copperfield, Maggie Smith and Imelda Staunton were in it and last year I directed Julie Walters in A Short Stay in Switzerland. In fact most things I have done have featured strong actresses including Anne Bancroft, Sharon Stone, Sally Hawkins, Miranda Richardson and, my favourite, my wife Elizabeth McGovern. It does help on Cranford that the blend of the cast includes some of the great formidable actresses.
As a director you have a different relationship with every actor you work with. It's your job to find out how you can make yourself helpful that person. Every actor travels to a character. But actors of that calibre are successful for a reason. They bring a combination of their own personality and their ability to adapt that personality to a character.
Obviously Cranford is dominated by the women, but if the men in your cast include such people as Michael Gambon and Phil Glenister last time and now Jonathan Pryce or Tim Curry you don't exactly feel a shortage of men. Jonathan Pryce (oictured) plays a widower who is a long-term resident in Cranford but who wasn't around in the last series because his wife had been ill and they'd been hoping to nurse her to health. But at the beginning of this series he returns a widower to Cranford. Tim Curry plays an exotic magician who is touring England and comes to play the town of Cranford.
It's often said that if he were alive today Dickens would be write soap opera. I don't agree. I hope he'd be writing something bold or innovative like Criminal Justice or The Wire. But I don't think of Cranford as a soap opera either. One of the things that is fascinating about it is the element of social history. When a cat is sick in one scene, I remember thinking, here we are recreating this bizarre little episode that actually happened 150 years ago. Or dressing the cow in pyjamas: that is something that also happened.
Cranford has so many people's signatures on it. The producer Sue Birtwistle, the writer Heidi Thomas and of course Elizabeth Gaskell. In some ways I feel my job is to be a bit self-effacing on it. But I like to think I bring a wit and warmth and a humanity to the table. Television directors are woefully undervalued in this country and that's for a whole series of reasons. It probably comes from the episodic nature of television which is by definition run by a producer and the writer, while different directors come in and visit. But directing two complex 90-minutes films in two months takes some doing. I'm very proud we managed it.
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Spontaneous Human Combustion Quotes
A selection of articles related to spontaneous human combustion quotes.
Original articles from our library related to the Spontaneous Human Combustion Quotes. See Table of Contents for further available material (downloadable resources) on Spontaneous Human Combustion Quotes.
- Survivalists' Guide for the New Millennium: Chapter 7
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- Human Evolution
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- Gebo
- Today we'll consider Gebo, the seventh rune in the first aett. We're now almost a third of the way through the futhark! An alternative Common Germanic name for this rune is Gybu. Derivations of both names show up in later Germanic languages, such as Gothic (Gi...
Divination >> Rune Stones
Spontaneous Human Combustion Quotes is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Spontaneous Human Combustion Quotes books and related discussion.
Suggested Pdf Resources
- Mysterious Fires: Spontaneous Human Combustion - Islandnet.com
- kinds of event are related; is spontaneous human combustion ..... We quote from a translation of that article: " M. Dessimont, a.
- www.islandnet.com
- disease, and even spontaneous combustion arising from the bodily humors.1 In almost every case, except ... vocabulary borrowed from economics to talk about human biology.
- etd.library.vanderbilt.edu
- The Cornell Fire Story - Chi Psi
- faith in human nature and the bonds of Chi Psi. One hundred .... fire apparently started by spontaneous combustion in this elevator shaft and quickly roared to ...
- www.chipsi.org
- science and human behavior - The BF Skinner Foundation
- ACKNOWLEDGMENTS. The quotation from Francesco Lana (Chapter I) was brought to ..... to regard a man's behavior as spontaneous and responsible.
- www.bfskinner.org
- Page 1 © copyright 2013 by USA Volleyball www.usavolleyball.org
- Sport &Leadership Development SHORT Quotes Collection 1997-2010 ... A human being should be able to change a diaper, plan an invasion, butcher a hog , design a building, write a ..... Success is not the result of spontaneous combustion.
- www.teamusa.org
Suggested News Resources
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- Review: 'The X-Files' Season 10 Episode 6, 'My Struggle II' Brings Us a Bitter End
- She was also a pretty silly character, on balance (to quote at least one good friend of ours, "she solved crimes with her feelings"). But, at this ... "Dear Diary: Today my heart lept when Agent Scully suggested 'spontaneous human combustion.
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- "No one knew what exactly was in the making", Musil writes, "nobody could have said whether it was to be a new art, a new humanity, a new morality, or perhaps a reshuffling of society. ...
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- Is this video proof of spontaneous HUMAN COMBUSTION?
- What remains unclear is if the man had deliberately torched himself or fallen victim to the bizarre phenomenon known as spontaneous human combustion. It is the term used when a human body goes up in flames without an apparent external source of ...
Suggested Web Resources
- Quotes About Combustion (6 quotes) - Goodreads
- 6 quotes have been tagged as combustion: Bauvard: 'Spontaneous human combustion is for superstitious atheists. I believe in deliberate human combustion .'...
- www.goodreads.com
- Success isn't a result of spontaneous combustion. You must set
- "Success isn't a result of spontaneous combustion. You must set yourself on fire." - Arnold H.
- www.brainyquote.com
- Quote of the Week – Grist thinks spontaneous human combustion
- Oct 24, 2011 Quote of the Week – Grist thinks spontaneous human combustion ... to be God, magic, or spontaneous combustion; that's just a fact of nature.
- wattsupwiththat.com
- "The X-Files" Trevor (TV Episode 1999) - Quotes - IMDb
- "The X-Files" Trevor (TV Episode 1999) Quotes on IMDb: Memorable quotes and exchanges from movies, TV series ... Scully: Spontaneous human combustion.
- www.imdb.com
- snopes.com: Spontaneous Human Combustion
- Edit/Delete post Reply with quote .... Mysteries" that first aired when the series was still running on NBC about human spontaneous combustion.
- msgboard.snopes.com
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For more than 120 years, University of La Verne students have taken part in an inexplicable shared culture. It has always been here. It has evolved just as the people involved in it have, but until now, it had not been named: The La Verne Experience.
Archive | News
Social media shifts the 'revolution'
Social media has gained rapid popularity as an instrumental activist tool in recent years with memorable results.
Bachelor's degrees are not enough
Bachelor degrees are becoming so common that they are more-or-less equivalent to what a high school diploma used to be. Furthermore, bachelor's that were once an end point have now become just another step toward the final result.
Joy Lei named to diversity position
Joy Lei has been named to the new position of chief diversity and inclusivity officer for the University of La Verne, President Devorah Lieberman announced on May 11
Media outlets to get new leaders
Sophomore journalism and speech communication major Lauren Creiman will take on the position of editor in chief for La Verne Magazine for fall semester 2012, and sophomore radio broadcasting major Corey Smee will serve as program director for Leo FM for the 2012-2013 academic year.
Repairing shattered souls
Depression affects a quarter of all college students. Most are too embarrassed to seek help.
Law school ABA bid begins again
The University of La Verne College of Law regained provisional accreditation from the American Bar Association on March 26, marking the start of yet another multi-year multimillion dollar attempt to achieve full ABA accreditation.
Ruiz preps for debate nationals
In a recent interview, Rob Ruiz talked about the team winning the bid to host the 2013 National Parliamentary Debate Association's National Championship.
Panel discusses Islamic politics
After embarrassment, torture and manipulation from governments that have ruled for decades, citizens across the Middle East had one response to this oppression: enough. This sentiment was echoed by the Muslim Student Association in a panel on May 3 in the Campus Center Ballroom.
SIFE recognized for regional win
Students In Free Enterprise gave their regional award-winning business presentation in front of dozens of faculty, students and supporters May 4 in Morgan Auditorium.


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CoolSculpting Q&A
Bleeding + CoolSculpting
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Post Coolsculpting C-section Scar/adhesion Tear?
I have had 4 c-sections (post 5 yrs) resulting with lots of scar tissue and adhesions. Had coolsculpting done on my c-section pouch and hips. Post... READ MORE
I just had Cool sculpting yesterday and as soon as I got home I noticed vaginal and recum bleeding. Should I be alarmed?
The bleeding is like a heavy spotting, not a flow. READ MORE
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New DVD
House of Cards: The Complete First Season - DVD Television
- Summary
- Reviews / Ratings
- Photos
- Videos
- Events
Francis Underwood is Majority Whip. He has his hands on every secret in politics - and is willing to betray them all to become President. Kevin Spacey stars in this Netflix original Drama series.
More Details
Released - Tuesday, June 11 , 2013
- Distributed by - Sony Pictures Home Entertainment
- MPAA Rating - NR


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The mom and baby carriage are made out of color flow icing. I dropped the mom and she shattered into about ten pieces, so she's between two pieces of clear tape. Everything else is fondant. This was my first attempt with both fondant and color flow!
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!


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Rochford Services
A Personal Licence is needed by anyone wishing to supply alcohol or authorise the supply of alcohol in accordance with a Premises Licence.
Online Form: Contact Licensing
An abandoned vehicle is one that has been discarded by its owner/user in the open air, whether on or off the highway
Online Form: Report an abandoned vehicle
Quick reference guide for acronyms and phrases you may find in Council documents and information
Information for persons wishing to carry on the business of acupuncture in the Rochford District Council area.
Advice about putting adverts or banners up in the District
Information about air quality
Online Form: Report a pollution complaint
Information on alarms
Online Form: Premises alarm notification form on-line
Parish Councils are responsible for allotments in the District
This section of the website deals with animal welfare and offers guidance to ensure the proper care, management and handling of animals.
Information about dangerous animal legislation.


text:
Lola Chair
Current Selections
The Lola chair makes a style statement with a low, sculpted back and ultra-thin arms that cradle the seat cushion. Angled, tapered legs complete Lola's petite, yet dramatic shape.
Details of Lola Chair
- Dimensions: 29"w 28"d 34"h
- Inside Depth: 22"d
- Inside Width: 23"w
- Arm Height: 18"h
- Seat Height: 17"h
- Leg Height: 9"h
- Legs: none are removable
- Construction: benchmade hardwood frame with sinuous coil suspension Construction details
- Seat Cushion: wrapped foam Cushion details
- Back Cushion: foam and fiber
- Cushion Style: loose seat; tight back
- Product Origin: made in Virginia
- Item Number: 033929
- Leather: Lagoon ink See full leather details
- Leather Type: full top-grain
- Leather Finish: full-aniline
- Leather Description: Lagoon's smooth, silky surface is enhanced by a special finishing process in which the leather is permeated with wax. It bursts with color as it's stretched and pulled and takes on a beautiful, distressed look with use. As with all fine leather, natural markings and color variations are part of Lagoon's appeal.
- Leg Finish: cognac-stained
- Order free photo card
Discover if this seating will be comfortable for you.
Seat Comfort
Seat Depth
Seat Height
Cushion Details
Wrapped foam
- Eco-friendly, high-resiliency foam core wrapped in fiber padding, encased in ticking
- Offers a structured, supportive sit
- Creates a neat, tailored appearance
- Will soften with use, but designed to retain its shape
Made to the same high standards as all of our furniture, each one of our upholstery frames is built to last.
Kiln-dried, engineered hardwood
We use kiln-dried, engineered hardwood in all of our upholstery frames. Often used for structural beams, engineered hardwood is made by pressing thin layers of solid wood together. Kiln-drying removes moisture, minimizing seasonal expansion and contraction. This stable hardwood material resists warping and cracking for lasting durability.
Reinforced joinery
We reinforce every joint in our frames for added stability. Precision-cut parts interlock like puzzle pieces and are reinforced with eco-friendly glues, screws or staples and corner blocks. Reinforced joinery ensures your seating holds together, even with years of frequent use.
Sinuous coil
A sinuous coil suspension consists of s-shaped metal springs that are stretched across the frame. The coils are securely attached with clips that allow the metal to flex while still remaining supportive. Because each coil is independently attached to the frame, you'll barely feel it when someone sits down next to you.
$999 - $1,799
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Tropical Storm Irene setting for Vt mystery novelSeptember 30,2013
The Associated Press
MONTPELIER - Two years after Tropical Storm Irene inundated Vermont, the storm and its aftermath is providing the backdrop for a new novel by Newfane mystery writer Archer Mayor.
In his book, "Three Can Keep a Secret," Mayor, who has published 24 Vermont-based mysteries, says the book is his attempt to chronicle in fiction one of the biggest things to happen in the state for generations and something that people will be talking about for generations to come.
A number of books have been written and movies made about Vermont's experience with Irene, but Mayor's book is apparently the first piece of fiction.
University of Vermont English Professor Phillip Baruth says fiction is a way for artists and society to make sense of traumatic events.MORE IN This Just InDUXBURY Harwood Union High School is preparing a life celebration for five students who were... Full StoryThe Vermont Department of Fish and Wildlife says the presence of a Canada lynx has been confirmed... Full StoryWARDSBORO Vermont State Police said Friday that Kirby Staib of Wardsboro, who was allegedly... Full Story
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Wants to Meet Up
- Last login 4 days ago
Join Couchsurfing to see Maria's full profile. It's free!
About Me
ara mateix no sabria ni per on començar però sé que faig la fotosíntesis diàriament
I think I'm a passionate person and curious with the things I like and what I do in general.
Also I'm communicative, optimistic and responsible therefore is easy to live with me. You can ask to my lovely flatmates ;)
Travel (I'm kind of addicted hehe), taking pictures, drink cold beer with good company, read a good book in my terrace... wathever think that made me happy.
- books
- beer
- drinking
- traveling
- feminism
- queer
- anarchism
- lgbti
- queer theory
One Amazing Thing I've Done
Feel the moonzoon in my face in Kolkata riding a motorbike (we were four in it) and knew that it would be one of my happiest memorys ever!
Countries I've Visited
Andorra, Argentina, Austria, Bolivia, Cuba, Czech Republic, Denmark, France, Germany, Greece, Iceland, India, Italy, Morocco, Peru, Portugal, Switzerland, United Kingdom
Countries I've Lived In


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Love your deities, do your stuff, be nice to other people, and ultimately change the world. This is the best way to live life as a Pagan. [Read more…]
Now Serving Paganism and Rock 'n' Roll
Love your deities, do your stuff, be nice to other people, and ultimately change the world. This is the best way to live life as a Pagan. [Read more…]
If you do not love my thing in the same way, to the same degree, and for exactly the same reasons that I do, you are doing it wrong. [Read more…]
Over the last couple of years I've heard several times from various sources that Wiccans aren't polytheists, even though the majority of Wiccans I know identify as polytheists. [Read more…]
I love my faith, my coven, and what I do! That's why I love Witch Ritual so damn much! [Read more…]
Despite some misgivings, anyone with an interest in "Traditional Witchcraft" should see "The Witch." It's also a useful exploration of what "witchcraft" meant in the 15th and 16th Centuries. For those of us who choose to embrace the word witch we owe it to ourselves to see exactly what the word has meant over the centuries. [Read more…]
History is full of horned and antlered gods, but a "Horned God?" That's a modern thing, not an ancient one. [Read more…]
Is Valentine's Day an old pagan celebration? The celebration of a Catholic Saint? What if I told you it was neither? [Read more…]
Here we are once more on the cusp of another indoor festival season. Since everyone seems to enjoy my rather snarky round-ups of outdoor festivals I thought I should do the same with the indoor ones too. [Read more…]
Pagans often talk and write about the "fraying of the Pagan umbrella," but I'll be honest with you all, there are just some people I don't want under the damn umbrella. [Read more…]
A year ago someone told me that Wicca was missing something. I completely disagree. [Read more…]
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text:
The art challenges technology. Technology inspires the art.
Just as artists are enthusiastically embracing new technologies for more imaginative performance techniques, so too are dancers, choreographers and directors.
This explosion of technology-enhanced creativity means the barriers between dance and other forms of art are becoming more and more porous.
The disciplines of dance and digital media arts fit together naturally in this stimulating combination, which is a sound choice for students looking to build a career in the modern creative industries.
Learning how to manage creative performance in a technologically advanced environment could also be of use if you wish to enter the modern games industry, where artistic expression is increasingly important.
Choose Digital Media Arts as your Major subject and you'll develop an advanced understanding of the theory and practice of contemporary digital media arts.
With enhanced media literacy and insightful appreciation of digital media's role as an innovating force in artistic expression, you will build the capacity to produce creative materials and to reflect critically upon your work and the work of others.
We'll welcome you into our thriving creative community, and support you as develop your sense of self-awareness, aesthetics and artistic direction.
As a member of the School of Arts there are also countless opportunities for collaborations across disciplines using the rehearsal, recording and performance facilities on our unusually well-endowed campus.
Our unique approach to your personal, professional and intellectual development means you can look forward to developing a range of specific and transferable skills for independent critical and creative practice (especially if you take the option of a Professional Training placement year).
You will thus graduate with a highly valuable head-start for a career in contemporary arts or the wider creative industries.
Artistic ideas driven by technological creativity create a powerful force for addressing any subject, philosophy or field of thought.
As an academic discipline, Digital Media Arts is all about managing creativity within an unfolding set of technological possibilities that could easily become bewildering if not approached with control and expertise.
These traits can be generalised to almost every other field of creative endeavour, and indeed beyond.
Together with your fellow Digital Media Arts Majors, you'll examine how the topics that you are exploring in your Minor subjects are explored through art, and vice versa. What are the key features of Digital Media Arts as an academic discipline? Which of these are shared with the Minor subjects? And what can each learn from the other?
With careful prompting by your tutor, your group will engage in discussion and debate to share the personal experiences and insights into music deriving from study of each Minor subject.
Reflective essays and group presentations will give you the opportunity to crystallise your thoughts, communicate what you have learned and demonstrate your understanding of music from a more complete perspective.
Choose Dance as your Minor subject and you'll learn to balance creative independence and artistic integrity with the ability to work collaboratively within a challenging professional context.
You will learn about the history of choreography, how the body can be used to express ideas, what the latest technologies mean for dance, and how dance succeeds in the modern creative industries
|Major modules Digital Media Arts
|Integrative modules Digital Media Arts
|Minor modules Dance
|Major modules Digital Media Arts
|Integrative modules Digital Media Arts
|Minor modules Dance
Compulsory modules:
Optional modules:
Optional modules:
Compulsory modules:
Optional modules:
|Major modules Digital Media Arts
|Integrative modules Digital Media Arts
|Minor modules Dance
Compulsory modules:
Plus 15 credits from:
You'll find your lectures and tutorials extremely stimulating, but a Surrey degree is so much more than just your classroom learning.
The information below details some of the extra opportunities and advantages of becoming a Surrey student. Naturally, many of these will be defined by your choice of Major (such as where you spend your Professional Training placement), but don't forget that your Minor will also add a valuable dimension to your Surrey experience.
Types of placement are varied and can take place anywhere in the country or overseas. Partner organisations will be drawn from a list, which has in previous years included:
The placement experience helps you to get that all-important first job or move on to postgraduate study.
On our degree programme, you attend a mixture of lectures, seminars, workshops and tutorials. Practical projects make use of group discussion to review and develop work. Workshops and lab sessions are also integral to the programme.
Degrees are awarded on the basis of the assessment of coursework, end-of-semester examinations, projects, folios and performances, exhibitions and installations, as appropriate.
The following represents an indicative estimate of how you can expect your time to be split on this programme, based on the information available at the time of publication (February 2016):
The degree programme is supported by lab facilities containing:
The personal, professional and technical skills that you acquire will enable you to succeed in almost every area of the cultural and creative industries. Indicative career paths include:
You have the option of studying abroad for one semester in your professional training year. Our partner universities include:
If you chose to spend time working or studying in another part of Europe you will be eligible for an Erasmus+ grant.
Grade A at A-level in a technical or creative practice subject, including:
Applicants without one or more technical or creative practice A-levels would normally be permitted to present a portfolio for consideration.
Dance at either A or AS level (or equivalent) is preferable.
GCSE English Language and Mathematics at grade C/4 or above (or equivalent).
6.5 IELTS minimum overall
6.0 IELTS minimum in each sub-skill
If you are an international student and you are concerned that your English is not to the required standard, you may benefit from the International Foundation Year, run by the Surrey International Study Centre.
Please note that the University of Surrey offers English language programmes and is also an IELTS Test Centre.
|Course Length
|Professional Training
|UCAS code
|KIS code
|BA (Hons)
|3 years
|View KIS data set
|BA (Hons)
|4 years
|View KIS data set
View a complete listing of all ongoing fees for our undergraduate programmes.
The University will assess your fee status. If you are unsure whether you are likely to be considered a home, EU or overseas student for fees purposes, the UKCISA website offers more information.
Programmes marked with a tick in the table above include a Professional Training placement.
A reduced fee is charged for Professional Training placements.
Fees will not have to be paid up front for those eligible students who decide to take up the Government's loan for higher education fees. The Professional Training placement is a key factor in the high employability rates achieved by students with Surrey degrees.
We're committed to making sure that we offer support for students who might need it.
BA (Hons)
BA (Hons)
BA (Hons)
BA (Hons)
BA (Hons)
BA (Hons)
BA (Hons)
BA (Hons)
BA (Hons)
BA (Hons)
A Major/Minor degree lets you build in-depth knowledge of one subject (your Major) while also studying another topic (your Minor). At Surrey, your Major/Minor degree also includes an integrative module that allows you to develop a unique understanding of how your two chosen subjects relate to each other.
The type and title of the degree conferred upon you will reflect your Major subject while acknowledging your Minor. For example, you could receive BA (Hons) English Literature with Psychology, BSc (Hons) Politics with Creative Writing, BMus (Hons) Music with Digital Media Arts, etc.
A Major/Minor degree gives you the opportunity to build a much broader base of knowledge than a traditional single-subject degree, but without sacrificing the opportunity to acquire real expertise in a particular field. You will come into contact with students, academics and ideas from two disciplines rather than one.
There are a small number of careers that require graduate membership of a chartered institute, for which an accredited single-honours degree may be necessary, or which require particular postgraduate or doctoral qualifications that may only be gained after completing an undergraduate degree in a specific, single-honours subject. However, for the overwhelming majority of career paths this is not the case and in most cases there are conversion courses or equivalency allowances should you later decide you wish to follow a career with these requirements. Please speak to a careers advisor for further clarification.
Modern employers rarely demand a specific degree relevant to their field or sector, instead preferring culturally aware people who can place their knowledge in a wider context, who have used their time as a student to develop personally and intellectually as well as academically, and who leave university with impressive professional workplace experience already under their belt.
Because of this, it is the graduates who have combined academic achievement with the development of critical skills, who have acquired the capacity for independent learning across a range of subjects and who are comfortable dealing with a wide variety of colleagues and clients who will find themselves in greater and greater demand.
As you'd expect, the majority of your degree modules, exams, coursework and assessment marks will come from your Major subject. As a guideline, we would expect you to spend around 70% of your time studying for your Major, with the remaining 30% dedicated to your Minor. However, our Major/Minor framework allows you to choose from a flexible range of optional modules, so the actual balance will depend on your own preferences and requirements.
Remember also that Surrey Major/Minor degrees include our unique integrative modules, which bring you together with your fellow students to reflect on how your Major and Minor subjects complement each other.
Experienced staff in our International Student Office are available to help from the moment you consider studying at the University. We offer professional advice on immigration, visa issues, entry qualifications, pre-departure information, employment regulations and international student welfare.
Find out how and when to apply to study at Surrey.
Modules listed are indicative, reflecting the information available at the time of publication. Please note that not all modules described are compulsory and may be subject to teaching availability and/or student demand.
We're proud to be University of the Year and University of the Year for Student Experience in The Times and Sunday Times Good University Guide 2016.
Surrey's new Major/Minor undergraduate degrees let you master your favourite subject while gaining insight into a different topic, with unique linking modules that help you make connections.
The Department of Music and Media runs a variety of musical ensembles including an orchestra, choir and chamber choir. You could also join one of the Students' Union arts societies such as the musical theatre society, big band or gospel choir.
Find out how to write a personal statement that will help your application stand out.
Final-year students gave Surrey an overall satisfaction rating of 90 per cent in the 2016 National Student Survey.
Wednesday 09 Nov. 2016
Wednesday 16 Nov. 2016