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1.0.3 / May 21, 2016
App Information Platform Jumper
- App NamePlatform Jumper
- Package Nameair.com.uxpractitioners.apps.jump
- UpdatedMay 21, 2016
- File Size13M
- Requires AndroidAndroid 4.0 and up
- Version1.0.3
- DeveloperUxPractitioners Limited
- Installs500 - 1,000
- PriceFree
- CategoryAdventure
- DeveloperVisit website Email firstname.lastname@example.com Long Lane London EC1A 9ET
- Google Play Link
UxPractitioners Limited Show More...
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Pokémon GO 0.47.1 APK
Venusaur, Charizard, Blastoise, Pikachu, andmany other Pokémon have been discovered on planet Earth!Now's your chance to discover and capture the Pokémon all aroundyou—so get your shoes on, step outside, and explore the world.You'll join one of three teams and battle for the prestige andownership of Gyms with your Pokémon at your side.Pokémon are out there, and you need to find them. As you walkaround a neighborhood, your smartphone will vibrate when there's aPokémon nearby. Take aim and throw a Poké Ball… You'll have to stayalert, or it might get away!Search far and wide for Pokémon and itemsCertain Pokémon appear near their native environment—look forWater-type Pokémon by lakes and oceans. Visit PokéStops, found atinteresting places like museums, art installations, historicalmarkers, and monuments, to stock up on Poké Balls and helpfulitems.Catching, hatching, evolving, and moreAs you level up, you'll be able to catch more-powerful Pokémon tocomplete your Pokédex. You can add to your collection by hatchingPokémon Eggs based on the distances you walk. Help your Pokémonevolve by catching many of the same kind.Take on Gym battles and defend your GymAs your Charmander evolves to Charmeleon and then Charizard, youcan battle together to defeat a Gym and assign your Pokémon todefend it against all comers.It's time to get moving—your real-life adventures await!Notes:- This app is free-to-play and offers in-game purchases. It isoptimized for smartphones, not tablets.- Compatible with Android devices that have 2GB RAM or more andhave Android Version 4.4 - 6.0 installed.- Compatibility is not guaranteed for devices without GPScapabilities or devices that are connected only to Wi-Finetworks- Compatibility with tablet devices is not guaranteed.- Application may not run on certain devices even if they havecompatible OS versions installed.- It is recommended to play while connected to a network in orderto obtain accurate location information.- Compatibility information may be changed at any time.- Please visit www.PokemonGO.com for additional compatibilityinformation.- Information current as of July 5, 2016
Growtopia 2.43 APK
BE AWARE! This is a game about collecting andprotecting items while playing and chatting with actual humanbeings from all around the world. Your items CAN and WILL be stolenif you don't keep them safe. That is part of the gameplay andstolen items will not be restored. All of the items necessary toprevent theft are available in the game. USE THEM WISELY!Note: There is a Personal Controls area in the Options menu - itallows you to disable the In App Purchase and Tapjoy Offer Walloptions as well as block chat with other players.Growtopia is a creative sandbox platformer MMO where youcan:* BUILD anything you can imagine – houses, dungeons, song,artwork, puzzles, etc* COLLABORATE with real people - there have been over 13 millionplayer accounts created, all in the same universe, nosharding!* PLAY mini-games - parkour, surgery, quizzes, PVP battles, CTF,races, and more* PROTECT items using an innovative lock system which allows you togive access to friends* PLANT seeds to grow trees* SPLICE seeds to discover hundreds of amazing items, with newitems added constantly* TRADE items in our secure trading system* EXPLORE a universe of over 300 MILLION user-created worlds, allpersistent and connected to each other* COMMUNICATE using a full chat and messaging system* EARN a single in-game currency entirely through gameplay* See classic pixel graphics, optimized for small and largescreens* Hear the original soundtrack by Cory Mollenhour* Your account is usable with clients on all platforms (Android,iOS, Win, and Mac)Didn't get your gems or having a problem? Email us email@example.com, we'd love to help!Growtopia is a collaboration between old school indie gamedevelopers Seth A. Robinson and Mike Hommel.CAN'T TYPE? Tap ENG to toggle to the English keyboard! If thatdoesn't work, try changing keyboards. (Requires standard asciiinput)WARNING: This app allows Gem purchases using Google's In AppBilling system. Be sure to disable purchases or set a pin-number inthe play store if kids use your device.
Roller Coaster VR attraction 1.8 APK
Ride a deserted vr roller-coaster amidst atropical island. See the fabulous dream of Virtual World.- Please, look at the lever, to start the vr attraction.- Requires VR glasses (headset) FIBRUM (or cardboard)- The game implements a freemium system. Please register promotioncode or purchase the app if you like the game.It's compartible with different virtual reality headsets (alsoknown as hmd) such as Google Cardboard or Homido.Insert smartphone with gyroscope into VR glasses and start theride.Look around yourself and experience a full sphere stereoscopicvirtual world (like 3D 360 degrees cinema).Attraction takes you into breathtaking jorney with thrillingmoments.In different apps from Fibrum you will fall down, ride rollercoaster, or swing on a big spinner.www.fibrum.com
Terraria 1.2.12785 APK
This is the TRIAL version of Terraria fortablet and phone. DIG! FIGHT! EXPLORE! BUILD! Join the community of millions ofTerrarians!"Terraria so damn engrossing. And it makes those comparisons toMinecraft seem a little half baked." - Pocket Gamer"This is the full version of Terraria, built from the groundup... If you loved it on PC or consoles, you'll love it here." -Slide To Play"Terraria takes a different approach to a formula proven byMinecraft in perspective, combat, immersive-storytelling and – mostimportantly – moments of discovery." - Touch Arcade**Requires Android OS 4.0.3 and above and 512MB RAM (1GB RAMrecommended).*****If your device has less than 1GB of memory, you mayexperience performance issues if you create an Expanded World. Theoption to create Expanded Worlds is not available on devices with512MB RAM or less.***In Terraria, every world is unique -- from the floating islandsin the sky to the deepest level of The Underworld. Adventure to theends of the earth, and battle villainous bosses along the way. Theworld is your canvas and action-packed, sandbox adventures are justa pickaxe swing away!- MULTIPLAYER - Local WiFi games support up to 4 playerscross-platform on any mobile device!- 1360+ CRAFTING RECIPES - weapons, armor, potions, andmore!- 450+ ENEMIES!- 100+ BLOCK TYPES to build anything you can imagine!- 30+ PETS!- 20+ BOSSES!- Over a DOZEN environments to explore!- Dynamic water & lava, day/night cycles!- Create worlds as large as 4200 x 1200 tiles ("Small" worlds onPC)!Every pixel of Terraria has been crafted for the BEST possiblemobile experience!Follow us on Twitter @Terraria_Logic and @505_GamesLike us on Facebook at www.facebook.com/TerrariaOfficial andhttps://www.facebook.com/505GamesVisit us on the web at www.terraria.org
Game of Thrones 1.52 APK
***The final episode in this epic series isnow available to download via in-app!***Game of Thrones - A Telltale Games Series is a six part episodicgame series set in the world of HBO's groundbreaking TV show. Thisnew story tells of House Forrester, a noble family from the northof Westeros, loyal to the Starks of Winterfell. Caught up in theevents surrounding the War of the Five Kings, they are thrown intoa maelstrom of bloody warfare, revenge, intrigue, and horror asthey fight to survive while the seven kingdoms tear themselvesapart. You will take on the role of different members of theForrester household, and determine their fate through the choicesyou make; your actions and decisions will change the story aroundyou.***Save over 15% on additional episodes in Game of Thrones bypurchasing the Season Pass [Episodes 2-6] via in-app***The Season Pass is the best value and entitles you to all fiveremaining episodes at a discount when compared to buying eachepisode individually (Episode 1-2 Available Now, Episodes 3-6 to bereleased on a regular schedule over the next few months).SYSTEM REQUIREMENTSMinimum specs:GPU: Adreno 300 series, Mali-T600 series, PowerVR SGX544, or Tegra4CPU: Dual core 1.2GHzMemory: 1GB- - - -The game will run on the following devices but users mayexperience performance issues:- Galaxy S2 – Adreno- Galaxy S3 MiniUnsupported Device(s):- Galaxy Tab3- Droid RAZR
The Walking Dead: Season One 1.19 APK
As featured in TegraZone, The Walking Dead isa five-part game series (Episode 2-5 can be purchased via in-app)set in the same universe as Robert Kirkman's award-winning series.Play as Lee Everett, a convicted criminal, who has been given asecond chance at life in a world devastated by the undead. Withcorpses returning to life and survivors stopping at nothing tomaintain their own safety, protecting an orphaned girl namedClementine may offer him redemption in a world gone to hell.Experience events, meet people and visit locations that foreshadowthe story of Deputy Sheriff Rick Grimes. A tailored game experience– actions, choices and decisions you make will affect how yourstory plays out across the entire series.• Plays great on NVIDIA SHIELD• Winner of over 90 Game of the Year awards• All five award-winning episodes plus special episode '400Days'• Choice matters: your decisions change the story around you• Save over 25% on additional episodes by purchasing the SeasonPass and gain access to Episodes 2-5, plus special episode 400 Daysimmediately- - - -SYSTEM REQUIREMENTSMinimum specs:GPU: Adreno 200 series, Mali-400 series, PowerVR SGX540, or Tegra3CPU: Dual core 1GHzMemory: 1GBRecommended specs:GPU: Adreno 300 series, Mali-T600 series, PowerVR SGX544, or Tegra4CPU: Quad core 1.5GHzMemory: 2GB
Welcome to the ultimate virtual universepowered by imagination. Over 30 million players come each month toexplore amazing 3D virtual worlds with friends. Join the largestuser-generated gaming community and play thousands of games,ranging from immersive multiplayer games and competitions, tointeractive adventures where you can imagine what it's like to be adinosaur, a miner in a quarry, or an astronaut on a spaceexploration.THOUSANDS OF GAMESPlay something new every day. Explore the farthest reaches ofthe galaxy, battle against waves of the undead, star in a fashionshow, hang out in a virtual club, the list goes on and on…MASSIVELY ONLINE MULTIPLAYERHang out with your friends and millions of other virtualexplorers across computers, mobile devices, consoles, and VR in awide variety of social games. ROBLOX is the largest user-generatedgaming community, where over 700,000 creators are producing aninfinite variety of immersive experiences just waiting to beplayed.CUSTOMIZABLE CHARACTERSTake on a new persona and dress up your avatar with thousands ofdifferent hats, shirts, faces, gear, and much, much more!CHAT WITH FRIENDSConnect with your friends online with in-game chat features,private messages, and groups!FREE-TO-PLAYROBLOX is free-to-play with in-app purchases.PRIVACY POLICYROBLOX Corporate Site: http://www.roblox.com/Info/Privacy.aspxPARENT'S GUIDEROBLOX Corporate Site: http://corp.roblox.com/parentsSUPPORTHelp: https://en.help.roblox.com/hc/en-us
Forsaken World Mobile MMORPG 1.2.0 APK
Get ready for explosive real-time co-op actionon your mobile device! Explore the massive universe of ForsakenWorld Mobile with your friends! Together, you'll raid epic dungeonsand battle legendary bosses for tons of loot, or fight fordominance in the Arena! Outfit your hero with exotic mounts andstunning wings! Do it all in a stunningly 3D open world! What areyou waiting for?Features:√ New Feature: Cross-server Clash is staged in newBattlefield—Frozen Wind Valley!√ New Function: Gem Polish. Polish up you Gem Slots, make Gems morepowerful and unleash the real Gloss of your weapon!√ New Attributes: Control Proficiency & Resistance√ New Function: Fashion Dye. Adds more uniqueness to yourFashion!√ New Function: Gem Deconstruction & Reconstruction. Make mostof all your Gems!For more information, please visit:Website: http://www.fedeen.com/games/forsaken-world/Facebook: https://www.facebook.com/forsakenworldmobileTwitter: https://twitter.com/forsakenmobileIf you have any questions, please contact us:https://fedeen.helpshift.com/a/forsaken-world/


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Energising citrus notes of bergamot, mandarin and orange are offset against spicy festive notes on pepper and nutmeg. The pretty floral heart captures heady rose, patchouli and jasmin with spicy saffron and clove. Completed with creamy vanilla and amber leading to woody notes of cedar and sandal. With pure essential oils
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subset: commoncrawl


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ChristianWilliam Jason Reso
- Birthdate: 11/30/1973 (age 43)
- Height: 6'1"
- Weight: 212 Ib
Reso was trained by former professional wrestle...
Read More »The angle where The Shield brought out a beaten Christian was done to get heat on Triple H and his current regime.
Speaking of Christian, he is currently out of action due to suffering a concussion. That is the reason they never showed the "attack" from The Shield and simply dragged him out on stage after they had already "taken him out". He will not be back in the ring until cleared by the WWE medical team. We're told he passed his imPACT tests but hasn't passed WWE's secodary testing yet. He was also complaining of headaches and dizziness.


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Medical Mission One Day
Learn about new effective health strategies and become better equipped for short term missions.
Saturday, August 20 from 9:00 - 4:00 at First Baptist Dallas, Dallas Texas.
For more details, MEDMISSIONflyer_lgl.pdf
Great Resource
Empowering Kingdom Growth: To The Ends of The Earth
Doug DuBois (Email)
301-991-8890 (Phone)
Ministry Assistant
Niki Taylor (Email)
800-466-5290 x226 (Phone)


text: Stores Dealer Profile PACIFIC DECORATING CENTERS Shaw believes in its people, products and mission. Purchasing flooring can be daunting, but we're committed to making easier for you every step of the way. Shaw creates a better future – for our customers, our people, our company and our communities. This attention to detail and extreme focus can be found in our beautiful, innovative products. Store Information GET DIRECTIONS 9520 Talbert Ave Fountain Valley, CA 92708-5190 866-491-1465 http://www.pdccarpetone.com/ Flooring CarpetTile & StoneHardwoodLaminateResilient View all stores


text: Hey I know that some TVs can have images burn into the screen if they stay on the screen too long, and I was wondering if the same can happen to a touch. I'm wondering in particular about zodttd emulator portrait controllers burning into the screen from extended play, or stuck pixels. Is there a risk of burning the controller into the screen? And if there is, am I more at risk by using a controller that is mostly white? I will give rep if someone gives me a KNOWLEDGABLE answer to this, particularly someone who knows more about the nature of the ipods screen and about stuck pixels, burned-in-images, etc.


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Total amount: € 0,00
ISSUES AND ARTICLES MOST READ eTOC
Official Journal of the Italian Society of Physical and Rehabilitation Medicine (SIMFER), European Society of Physical and Rehabilitation Medicine (ESPRM), European Union of Medical Specialists - Physical and Rehabilitation Medicine Section (UEMS-PRM), Mediterranean Forum of Physical and Rehabilitation Medicine (MFPRM), Hellenic Society of Physical and Rehabilitation Medicine (EEFIAP)
In association with International Society of Physical and Rehabilitation Medicine (ISPRM)
Indexed/Abstracted in: CINAHL, Current Contents/Clinical Medicine, EMBASE, PubMed/MEDLINE, Science Citation Index Expanded (SciSearch), Scopus
Impact Factor 2,063
Frequency: Bi-Monthly
Online ISSN 1973-9095
Ferrarin M., Rabuffetti M., Bacchini M., Casiraghi A., Castagna A., Pizzi A., Montesano A.
IRCCS Don Carlo Gnocchi Foundation, Milan, Italy
BACKGROUND: Gait analysis (GA) was demonstrated to change presurgical planning and improve gait outcomes in children with Cerebral Palsy. GA is often used also to assess walking capability of poststroke subjects, although its influence in the clinical management of these patients has not yet been established.
OBJECTIVE: To assess the impact of GA on clinical decision-making in adult chronic poststroke patients.
DESIGN: Pragmatic prospective observational study.
SETTING: Rehabilitation hospital, both outpatients and inpatients.
POPULATION: Forty-nine patients (age: 53.3±14.5 years) who had had a cerebrovascular accident 35.2±26.4 months before and were referred to the gait analysis service.
METHODS: Recommendations of therapeutic treatments before and after the analysis of GA data were compared, together with the confidence level of recommendations on a 10-point scale. Frequency of changes of post-GA vs pre-GA recommendations were computed for each recommendation type: surgery, botulinum toxin (BT), orthotic management and physiotherapy.
RESULTS: Based on the analysis of GA data, 71% of poststroke subjects had their treatment planning changed in some components. Indeed, 73% of patients with indications for surgery had their surgical planning changed; 81%, 37% and 32% had, respectively, their BT, orthotic and physiotherapy planning changed. Confidence level of recommendations increased significantly after GA, in both the whole group of patients (from 6.7±1.4 to 8.7±0.6, P<0.01) and the subgroup whose recommendations had not changed (7.0±1.5 vs. 8.8±0.4, P<0.01).
CONCLUSION: GA significantly influences the therapeutic planning and reinforces decision-making for chronic poststroke patients. Further work should be done to better translate GA results into indications for specific physiotherapy.
CLINICAL REHABILITATION IMPACT: The use of GA as a tool to better define the rehabilitation planning in post-stroke patients should be fostered, particularly when surgery or botulinum toxin are considered and/or the prescription of orthoses is hypothesised.
language: English


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Leupp, Flagstaff, AZ 86004
Status: Active
Property Description
Unique 10 Acre property with A 4,000 sqaure foot Barn, with new metal roof. Horse stable, corral and Huge Haybarn. 360 Views from Hilltop of Mtns., craters and the famed Painted Desert. Included are, 4 Water Cisterns, Propane and electric via generator, wood stove in Barn. In addition A 9 whole disc golf course, designed by Disc Golf Hall of Famer Dan Ginnley. Sold As Is with lots of Potential for Home with the basics in place. Seller not interested in holding financing, cash sale.
Listing Information for Leupp Flagstaff, AZ 86004
Generator, Propane
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Mountain, Panoramic
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Driving Directions to Leupp Flagstaff, AZ 86004
4 miles off Leupp road. Call agent for directions.
Financial Considerations for Leupp Flagstaff, AZ 86004
Listing Price History for MLS#: 162885
Flagstaff AZ Real Estate and Flagstaff AZ Homes for Sale
Flagstaff is located in the state of Arizona. The zip code of 86004 has a population of 65,660. The median age of people living in Flagstaff, AZ 86004, is 26.3 years.
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Work.Play. Be Merry with Macy's this holiday season. APPLY TODAY!
The day you start at Macy's is the day you start doing, accomplishing and growing. In the days and months that follow, you'll have the opportunity to contribute, advance and lead. We know this because that's the culture we've built and continuously cultivate.
Macy's, Inc., with corporate offices in Cincinnati and New York, is one of the nation's premier retailers, with fiscal 2015 sales of $27.079 billion. The company operates about 880 stores in 45 states, the District of Columbia, Guam and Puerto Rico under the names of Macy's, Bloomingdale's, Bloomingdale's Outlet, Macy's Backstage and Bluemercury, as – more... well as the macys.com, bloomingdales.com and bluemercury.com websites. Bloomingdale's in Dubai is operated by Al Tayer Group LLC under a license agreement.
From part-time job opportunities and seasonal jobs to retail management jobs, Macy's has employment opportunities that fit your life and where you want to go. Get to know us better - fill out a job application at macysJOBS.com and let's get started! – less


text:
Raima Sen
As the members of film
and television industry are gearing up for the Bengal Celebrity Cricket
League which consists of six teams playing against each other on the
22 yards, Jalpaiguri Royals, a team owned by Arijit Dutta
(affectionately called Dadul-da) of Priya Entertainments Pvt. Ltd
launched its anthem at Taa'am Restaurant in the iconic PRIYA cinema.
Left to Right: Golfers Udayan Mane, Abhijit Singh Chadha and Anura
Rohana with Mr. Laurent Demortier, CEO and Managing Director, CG, Mr.
Uttam Singh Mundy, Director, PGTI and Mr. Rajen Gandhi, Captain, BPGC
unveiling the CG Open 2015 trophy
Avantha Group Company CG and
the Professional Golf Tour of India (PGTI) today announced the schedule
for CG Open 2015. The eighth edition of the CG Open will be played at
the Bombay Presidency Golf Club, Mumbai, from December 2nd to 5th. The
Pro-Am event will be played on December 6th.
Prakash Jha who is known for his political and socio-political films, is currently working on his next directorial venture 'Jai Gangaajal' starring Priyanka Chopra in the lead. The new Bollywood film is in continuation of the 2003 hit movie 'Gangaajal' and revisits the police-society relationship with a fresh narrative.
Yajnesh Shetty, Sandhya Shetty, Rishma Rochlani and Karan Sharma
Action director and martial
arts expert Chitah Yajnesh Shetty, who is also the Chairman of Chitah
Jeet Kune Do Global Sports Federation celebrated the 75th birthday of
Bruce Lee on November 27, 2015 at Celebration Sports Club,
Lokhandwala,Andheri (west),Mumbai(India).
Mr. Nair, Riddhi Jain, Rishma Rochlani and Karan Sharma
Stream movies to TV»
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Some suggestion
[ Edited ]
s for downloadab le games
I saw the final fantasy games downloadable in the ps store. My suggestion for some older games are Legend of Dragoon and Legend of Legaia. Also Legaia 2 if possible. I don't think this would be too hard to let happen since they were able to do it with all the other games they have downloadable right now from the ps one. What are your suggestions and what do you think of mine?
Re: Some suggestion
s for downloadab le games
I did download Final Fantasy 7... Being the only one I liked. I know. total hipster...
Usually they aren't the kind of games I like though.
I'd go a bit crazy and suggest AMY... Messy pre-patch game, got fixed, isn't that bad for a budget title after the patch.
I mean the main issue was that if you died you start from the start of the chapter, they have checkpoints now which stop that happening.
Re: Some suggestion
s for downloadab le games
final fantasy VII is an awsome game i just finished playing my black disk copy and i also finished FFVIII. I wish final fantasy kept the turn based fighting system :0 i havent played any games since they switched.


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decided: August 28, 1981.
Consolidated Appeals from the United States District Court for the Central District of Illinois, Peoria Division. Nos. 80-1145, 80-1152, 80-1146, 80-1147, 80-1149 and 80-4057 -- Hon. Robert D. Morgan, Judge .
Before Swygert, Senior Circuit Judge, Fairchild, Circuit Judge, and Jameson, Senior District Judge.*fn*
This consolidated appeal involves eight bankruptcy cases in which Barry M. Barash, Chapter 7 Trustee for the debtors, sought recovery of alleged preferential transfers. In each case the bankruptcy court found in favor of the defendant creditor. The cases were consolidated on appeal to the district court, which affirmed the decision of the bankruptcy court in all cases.
The sole issue on appeal is whether installment payments voluntarily made by a debtor to an undersecured creditor in the ordinary course of the debtor's financial affairs within the 90 days preceding bankruptcy, but not more than 45 days after their due date, are preferences which may be avoided by the Trustee under Section 547 of the Bankruptcy Code. This is a case of first impression in this circuit; nor do we find that any other circuit court has passed on the question.
I. Factual Background
In each of the eight cases regular installment payments were made to a creditor within 90 days of an order for relief, 11 U.S.C. § 301. In each case the value of the creditor's collateral was less than the debt it secured. In all but one case, however, the value of the collateral exceeded the amount of payments made during the 90-day period preceding bankruptcy. All of the payments in question were voluntary, some made through automatic payroll deductions, others by direct payment from the debtor. The bankruptcy court found that none of the payments were made to cure defaults or eliminate arrearages. All of the accounts in question were considered current.*fn1
The orders of the bankruptcy court denying recovery to the Trustee were not accompanied by an opinion; but after notices of appeal were filed, the bankruptcy judge filed identical statements in each case:
Appellant's (trustee's) statement of the issues he intends to present on the appeal relates only to the grounds for a directed verdict made by appellee (creditor). The issue on appeal is the Judge's holding, as disclosed by the transcript, that voluntary payments made by a debtor on a secured debt do not constitute a preference.
The district court affirmed the decisions without an opinion.*fn2
In resolving the issue presented on this appeal, it is necessary to determine (1) whether the installment payments were preferences under the Bankruptcy Code; and (2) if so, whether the statutory exception removes the transactions from the operation of the preference rules.
II. Elements of a Preference
The Bankruptcy Code prescribes five requirements for a preference, all of which must be met for the Trustee to avoid a transfer.*fn3 A transfer is preferential if it is (1) to a creditor, (2) on account of a pre-existing debt, (3) made while the debtor is insolvent, (4) made on or within 90 days before the date of filing the petition, or made between 90 days and one year before the date of filing the petition if the creditor was an insider who had reasonable cause to believe the debtor was insolvent, and which (5) enables the creditor to receive more than he would receive if the estate were liquidated under Chapter 7. 11 U.S.C. § 547(b).*fn4
There is no dispute that the first four elements of a preference are established in each case. The installment payments were all made by a debtor to a creditor, on a pre-existing debt, within 90 days of the bankruptcy filing. The debtors are presumed insolvent during the 90-day period, 11 U.S.C. § 547(f), and no evidence was presented to rebut the presumption. Appellees argue, however, that they have not improved their position vis-a-vis other creditors, as required by § 547(b)(5). The Trustee, on the other hand, contends that the payments received within the 90-day period enabled the creditors to receive a greater proportion of their respective debts than they would if the estate were liquidated under Chapter 7.
As noted above, the debts in all of these cases are undersecured. 11 U.S.C. § 506(a)*fn5 separates undersecured creditors' claims into two parts: a secured component and an unsecured component. A creditor has a secured claim only to the extent of the value of his collateral. Any remaining balance is an unsecured claim. The effect of § 506(a) is to classify claims, not creditors, as secured and unsecured. In other words, a single undersecured creditor has both a secured claim and an unsecured claim, each of which is considered in its respective class. See S.Rep.No.95-989, 95th Cong., 2d. Sess. 68, (1978) reprinted in 5 U.S.Code Cong. & Admin.News (U.S.C.C.A.N.), 5787, 5854 (1978).
Except for two cases involving valuation of automobiles, it is agreed that the unsecured components of the debts exceed the amounts of the asserted preferences. The Trustee argues that the payments must be charged against the unsecured claims, and therefore the payments enabled the creditors to receive a greater proportion of their unsecured claims than other unsecured claimants.
Appellees, on the other hand, assert that in all but one case, where the debt is partially secured by a minimal balance in a credit union share account, because the value of the collateral exceeds the payments during the 90-day period, they did not receive more than they would have upon liquidation. The answer to these opposing contentions will depend on which component of the debts, secured or unsecured, the payments should be charged against.
The sparse case law in point supports the Trustee's position. The court in In Re McCormick, 5 B.R. 726 (Bkrtcy. N.D. Ohio 1980) faced a fact situation very similar to the present cases. The debtor's loan of $6,500 was secured by an automobile valued at $3,000. The Trustee sued to recover regular car payments made within the 90-day period preceding the bankruptcy filing. BancOhio, the creditor, maintained that the payments were not avoidable because they did not diminish the bankruptcy estate as required by § 547(b)(5). In other words, BancOhio, like the creditors in these cases, argued that because it was a secured creditor it would have received more than the disputed payments upon liquidation.
The court rejected BancOhio's argument because it ignored the bifurcation of its claim by the operation of § 506(a). The court assumed, "in the absence of proof to the contrary, that the payments were credited toward the unsecured portion of the debt, since this course of action would comport with standard business practice." 5 B.R. at 729-30. The court concluded that BancOhio therefore must have "received greater payment on its unsecured claim than other unsecured creditors and that the transaction satisfies the requirements of Section 547(b)(5)." Id. at 730.
In re Conn, 9 B.R. 431 (Bkrtcy. N.D. Ohio 1981) similarly dealt with the fifth element of a preference. There a $4,000 debt was secured by an automobile whose value was listed as $3,500. The debtor disputed this valuation, however, arguing that it was much higher. The bankruptcy court found that the trustee had not carried his burden of proving the claim was greater than the value of the collateral. In the absence of proof to support the listed value, the court assumed the collateral was equal to the amount of the claim, so the debt was not bifurcated pursuant to § 506(a). 9 B.R. at 434.
This determination was crucial to the court's ultimate conclusion that the installment payments were not voidable preferences. Id. Because the debt was deemed fully secured, the payments did not enable the creditor to obtain a greater percentage of its debt than it would under the distributive provisions of the Code. The court's analysis implies, however, that had the value of the collateral been shown to be less than the claim, a preference would have been found to exist.
We find the reasoning in McCormick and Conn persuasive. A principal goal of the preference provisions is the assurance of equal distribution among creditors. H.R.Rep. 95-595 95th Cong., 1st Sess. 178 (1977), reprinted in 5 U.S.Code Cong. & Admin. News 6138-39 (1978); 4 Collier on Bankruptcy (Collier) P 547.03(1) (15th ed. 1980). Section 547(b)(5) is aimed at achieving that goal. The "greater distribution requirement" of § 547(b)(5) is discussed in 4 Collier P 547.35. The discussion emphasizes the comparison between what a creditor actually received in an alleged preference and what other creditors of the same class would have received upon liquidation had the questioned transfer not been made. This explanation alone, however, does not adequately clarify the statutory scheme.
For example, if upon liquidation unsecured creditors would be paid 20% of their claims (based on remaining assets and scheduled claims after secured creditors are paid), to defeat a trustee's avoidance rights a creditor would have to show only that the payments received during the 90-day period do not exceed 20% of the creditor's unsecured claim. This sole comparison, however, does not account for what happens thereafter. If the payments made were less than 20%, there would be no preference and the creditor would keep the payments and later also receive a pro-rata share of the balance of his claim. In the final analysis, this would violate the fundamental principle of equal distribution among a class of claims.
Section 547(b)(5) is directed at transfers which enable creditors to receive more than they would have received had the estate been liquidated and the disputed transfer not been made. As long as the transfers diminish the bankrupt's estate available for distribution, creditors who are allowed to keep transfers would be enabled to receive more than their share. The creditors in the instant case must account for the payments they received during the 90 days preceding the bankruptcy filing, or they will ultimately receive a larger share of their unsecured claims than other unsecured creditors. Of course, they will still receive the full benefit of their collateral as to their secured claims.
III. Normal Course of Business Exceptions: § 547(c)(2)
Because all five elements of § 547(b) have been satisfied in each of the cases here on appeal, we must determine whether the exception urged by appellees and amicus defeats the Trustee's attempt to avoid the transfers. 11 U.S.C. § 547(c) sets out specific exceptions to the preference rules discussed above, including the following:
(c) The Trustee may not avoid under this section a transfer
(2) to the extent that such transfer was
(A) in payment of a debt incurred in the ordinary course of business or financial affairs of the debtor and the transferee;
(B) made not later than 45 days after such debt was incurred;
(C) made in the ordinary course of business or financial affairs of the debtor and the transferee; and
(D) made according to ordinary business terms;
Again, without dispute, all but one of the criteria are met the payments were made in the ordinary course of financial affairs of the debtors and the normal course of business of the creditors,*fn6 on debts incurred in the normal course, and according to normal business terms. The only question concerns the second requirement whether the payments were made within 45 days after the debts were "incurred".
Appellees and amicus argue that for consumer installment transactions, a new debt should be deemed incurred as each monthly payment falls due. In support of this position the creditors cite Henson, The Uniform Commercial Code and the New Bankruptcy Act: Some Problem Areas, 35 The Business Lawyer 83, 96 (1979). The author expressed the "hope" that in the absence of acceleration of the unpaid balance, "as to each installment the "debt was incurred' as each installment came due...." He acknowledged, however, that "the language of the Act does not facilitate this answer." Id.
We agree with the reasoning in 4 Collier P 547.38 that "(t)he probably better view is that the debt is incurred whenever the debtor obtains a property interest in the consideration exchanged giving rise to the debt." Using the example of a monthly utility bill, Collier continues:
Certainly when a debtor uses a utility the debt is incurred at the time the resource is consumed rather than when the invoice is sent. Thus ..., unless the utility bill is sent and paid within a short time, there is a significant probability that payment of the utility bill will be made more than 45 days after the debt is incurred.
Appellees and amicus make a strong policy argument, supported by specific language in the legislative history of the 1978 Bankruptcy Reform Act, that because the alleged preferences here were normal payments they should be protected against the Trustee's avoidance power. The primary purpose of the § 547(c)(2) exception
is to leave undisturbed normal financial relations, because it does not detract from the general policy of the preference section to discourage unusual action by either the debtor or his creditors during the debtor's slide into bankruptcy.
H.R.Rep.No.95-595, 95th Cong., 1st Sess. 373-74 (1977), reprinted in 5 U.S.Code Cong. & Admin.News 6329 (1978); S.Rep.No.95-989, 95th Cong., 2d Sess. 88 (1978), reprinted in 5 U.S.Code Cong. & Admin.News 5874 (1978). The payments in question here did not result from unusual action by either the debtors or creditors. Rather, they were made in the ordinary course as they came due. Appellees argue that under these circumstances they had no way of knowing that the debtors were having financial difficulties.
The short answer to this argument is that the creditor's knowledge or state of mind is no longer relevant. Under the predecessor to § 547 (§ 60 of the Bankruptcy Act of 1898), the Trustee had to establish that the creditor had "reasonable cause to believe" that a debtor was insolvent before a transfer could be avoided. Congress eliminated this requirement in favor of the objective criteria under the new Code. As noted in Collier,
intent or motive is not a material factor in the consideration of an alleged preference under § 547. Generally speaking, it is the effect of a transaction, rather than the debtor's or creditor's intent, that is controlling.
4 Collier P 547.01 at 547.12. (emphasis in original.)
The legislative history of § 547 supports this view. The "reasonable cause to believe" requirement served the primary purpose of the former statute of preventing the "race of diligence." But "a creditor's state of mind has nothing whatsoever to do with the policy of equality of distribution...." H.R.Rep.No.95-595, supra, at 178, 5 U.S.Code Cong. & Admin.News at 6139. Appellee's position ignores this important and fundamental goal of the preference section under the Code. In revising the Code, Congress also sought to simplify the complex preference provisions and their interpretations under former law. Id. at 179, 5 U.S.Code Cong. & Admin.News at 6140. It is in this context that we must interpret the language of § 547(c)(2). Construing "incurred" to mean when a debtor first becomes legally bound to pay comports not only with the plain meaning of the word but also with the fundamental policy of equality of distribution.
We do not denigrate the importance of deterring the "race to the courthouse." But this purpose behind § 547 does not conflict with the fundamental goal of equality of distribution. Rather, the drafters of the Code envisioned the deterrence of the "race of diligence" as furthering the more important goal of equal sharing of assets among creditors. Id. at 177-78, 5 U.S.Code. Cong. & Admin.News. at 6138. The § 547(c)(2) exception protects only those normal transactions which open and close within 45 days, regardless of the knowledge of the creditors or the current status of installment debts.
We cannot agree with appellees that the Trustee is advancing a novel theory of preferential transfers in these cases. Preferences existed in these circumstances under prior law, but trustees rarely sought recovery because of the difficulty of proving insolvency at the time of transfer or the creditors' "reasonable cause to believe" that the debtors were insolvent. In fact, this was the impetus behind the 1978 amendments which eliminated the reasonable-cause-to-believe element and established the presumption of insolvency. See H.R.Rep.No.95-595, supra at 178-79, 5 U.S.Code Cong. & Admin.News. at 6139-40. Nothing in § 547(c)(2) or its history suggests otherwise.
There was no express exception for normal business or financial affairs transactions under the old Bankruptcy Act, but courts often allowed an exception for regular business expenses based on the notion that current expenses were not antecedent debts. See In re Peninsula Roofing and Sheet Metal, Inc., 9 B.R. 257, 261-62 (Bkrtcy.W.D.Mich.1981), citing Kaye, Preferences under the New Bankruptcy Code, 54 Am.Bankr.L.J. 197, 209 (1980). The underlying rationale of § 547(c)(2) appears to be the same as the "current expense" rule under former law: "no diminution of the estate, payment not for antecedent debt, and allowing the debtor to stay in business." Id. at 262. The new Code, however, sets out objective criteria, particularly the 45-day time limit, for applying the exception.
In short, the § 547(c)(2) exception is aimed at transactions which, although they are technically credit transactions, are not intended to remain unpaid for a long time. In this sense, the "normal payments" exception is a variant of the "contemporaneous exchange" exception of § 547(c)(1).*fn7 The courts in In re McCormick, 5 B.R. 726 (Bkrtcy. N.D. Ohio) and In re Bowen, 3 B.R. 617, 619 (Bkrtcy.E.D.Tenn.1980) considered consumer credit transactions comparable to the cases at bar and reached the same conclusion. Both courts based their analysis on Levin, An Introduction to the Trustee's Avoiding Powers, 53 Am.Bankr.L.J. 173 (1979). Levin was a member of the House Judiciary Committee staff which drafted the new Code. He explains in his article that § 547(c)(2) insulates ordinary trade credit transactions that are kept current. The 45-day limit was chosen because it reflected a normal trade cycle, and Levin agrees with Collier and our conclusion above that a debt is incurred when it becomes a legally binding obligation of the debtor. Id. at 186. Although the "normal payments" exception in § 547(c)(2) protects consumer transactions as well as trade credit, the installment debts involved here do not fall within the statutory design. The cases in this appeal all involve long-term credit, in contrast to situations where full payment is expected shortly after the obligation was incurred, and in fact payment is made within 45 days. If all regular consumer installment payments are to escape the Trustee's avoidance powers, Congress, rather than the courts, should provide the relief.*fn8
IV. Valuation of Collateral
The payments here in dispute are preferential to the extent they are credited to the unsecured components of the debts. Payments on secured claims do not diminish the estate, i. e., they do not enable a creditor to receive more than he would under the liquidation provisions of the Code. Section 506(a) provides that a debt is secured only to the extent of the value of the collateral. Any remaining amount is an unsecured claim. Valuation of collateral is thus crucial to determining the amount of the preferences. See In re Conn., supra, 9 B.R. 435.
In all but two of the cases it is undisputed that the unsecured component of the debt exceeds the payments made during the preference period. In Trustee for Millington v. First Galesburg National Bank and Trust Co. and Trustee for Harding v. Gates Credit Union, however, all of the payments during the 90 days preceding the bankruptcy filings may not be preferential, depending on what values are used for the automobiles securing the debts. In the Millington case, the bank contends that the NADA retail value of the car, $5,950, is proper. The net payoff is $6,005, so the amount of the preference would be only $55 and the bank would not have to account to the Trustee for the remaining $498 received during the preference period. The Trustee argues that the wholesale value, $4,925, should be used. In that case, the entire $553 received by the bank during the 90-days would be recovered by the Trustee. A similar problem exists in the Harding case. If retail value is used, only $128 of the total $984 paid would be preferential, but if wholesale value applies, $928 would be avoidable by the Trustee.
The legislative history of § 506(a) indicated that no fixed formula exists for establishing the value of collateral. Congress did not necessarily contemplate the use of forced sale or liquidation value; nor is fair market value always appropriate. "Courts will have to determine value on a case-by-case basis, taking into account the facts of each case and the competing interests in the case." H.R.Rep.No.95-595, supra, at 356, 5 U.S.C.C.A.N. at 6312. Value should be determined by the purpose of the valuation and the proposed disposition or use of the property. S.Rep.No.95-989, supra, at 68, 5 U.S.Code Cong. & Admin.News at 5854.
The present record does not enable us to determine the appropriate value of the cars in these cases. On remand the bankruptcy court should determine the value of the automobiles in light of the competing interests of the parties and the proposed use or disposition of the cars by the secured creditors. The choice of values is not restricted to NADA wholesale or retail, but depends on the facts and circumstances of each case.
V. Conclusion
We hold that regular installment payments on consumer debts, made within 90 days preceding the filing of a bankruptcy petition, may be avoided as preferential transfers to the extent the payments are credited to unsecured claims. The bankruptcy court must determine the value of collateral on a case-by-case basis to ascertain the extent of the preferences, in keeping with the bifurcation of debts into secured and unsecured claims under 11 U.S.C. § 506(a). The exception for normal transactions in 11 U.S.C. § 547(c)(2) extends only to situations where payment is made within 45 days after the debtor first becomes legally bound to pay.
Reversed and remanded.
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1993 · Whitehorse, Yukon
by Nyman, Elizabeth and Jeff Leer
Whitehorse, Yukon: Yukon Native Language Center/Alaska Native Language Center, 1993. Paperback. Near Fine. Paperback, 1993, octavo, 261pp., illustrated in color and b&w. Book near fine with mild wear to corners, binding tight, text clean bright and unmarked. No DJ. (Inventory #: B36184)


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Forming part of a popular development close to Highbury & Islington, we offer this one bedroom apartment.
Arranged on the ground floor of this secure building, the apartment comprises of an open plan kitchen and living area, a spacious double bedroom and fully tiled master bathroom is also available.
The development is located on Drayton Park and enjoys the benefits from an on-site concierge and large communal roof terrace. Located for easy access to both Highbury & Islington and Holloway Road Tube Stations, the apartment provides easy access into The City and West End.
EPC Rating- C


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|4 nights
Your booking will be backed by our Book with Confidence Guarantee when you complete your reservation online and finalise payment on HomeAway.Learn more
Luxury and style! This location has easy access to uptown and downtown with a resort style pool, fitness center, dog park, gated access, full size washer and dryer, wood flooring, and much more! Don't just stay somewhere, feel at home!
The Space
Everything you need to feel at home. We always have new or like new furniture and other items. Professional cleaners prepare the unit between stays; know you are coming to a clean, comfortable, luxurious space!
Guest Access
This is a luxury apartment community with a beautiful pool, grills, and fantastic gym. You'll enjoy the same access as all the residents of this beautiful location!
Interaction With Guests
We take calls, messages, texts any time and if it is the middle of the night we'll either be available or get to you very early!
Other Things To Note
Stays over 3 months qualify for lower rates with no cleaning fee!
We need a copy of your license prior to releasing keys (per the community rules).
Pet fees and deposits apply.
The Neighborhood
Downtown & Uptown attractions, Klyde Warren park, West Village Shopping, Adair's and so much more within walking distance.
1.8 miles from convention center!
Multiple public transportation options within walking distance, including the DART train
House Rules
We want this to feel like home! No smoking. No smoking. Please obtain a copy of the valet trash rules prior to your stay.
Please only park in spots not marked reserved (plenty of parking).
We require a copy of your photo id to release keys.
We maintain a great relationship with the community and guests are expected to act accordingly. Parties are not allowed (no more than the listed number of guests in the unit and keep activities to socially acceptable hours). Disorderly behavior will result in immediate termination of stay without refund. Lost key fobs are $95.
Lovely, clean apartment
Got to sunbathe by the pool every day
Owners very responsive to any queries we had
Boys loved the gym
Air conditioned
Brilliant break away
I spent 1 week in this apt and it was fine. Host was easy to communicate with. Apt has 2 bed rooms and 2 both rooms. Location is fine too, not far from Downtown . The area called Brayan place. You need to cab/uber to get to pharmacy or Supermarket which will cost u $5 each way. There is Gym which u can use for free and Pool as well.
Overall my experience was good .
Thanks once again.
Throughout the booking process and during our stay the owners were very responsive to our needs and questions. The building seemed great too. We had a problem with the shower head in one of the bathrooms. The owners told us to call the building management and the problem was fixed that same day. The apartment itself was very nice and plenty of space for the four people we had staying there. The location is very decent -- it was about a 15 minute walk to nearby shops and restaurants and very affordable Uber rides to other neighborhoods in the city. We were in town for a hockey game and staying here was perfect! The one downside was that they didn't have key fobs available for us during our stay. Their welcome letter says that often times guests lose them and then it takes some time to replace them, which stinks for the next guests to stay there. You'd think they would have more than one for the apartment and then could just keep one as a spare. We had to always enter the building through the garage, which wasn't a huge deal. Overall, a great place to stay in Dallas! Would stay here again.
We enjoyed our stay at this Dallas apartment. The apartment was clean and well stocked and within walking distance of all the central museums and downtown sites. If you love walking to get a feel of the city then this is a great option. We didn't investigate public transport options as the weather was sunny and mild.
The photos on the website reflect the look of the apartment. Amy was very helpful although there wasn't much we needed.
There is a well stocked Krogers supermarket nearby and it was easy to access major highways to places a bit further out of town. The secure parking area is a bonus.
Being mid winter we were not concerned about using the pool - although I should think that the pool area would be a great place to unwind after a day of sightseeing in the warmer weather.
Thanks Amy - we really enjoyed our stay in Dallas.
We LOVED staying at this apartment with our two young children during our stay-cation in Dallas! It was clean and comfortable, centrally located to downtown Dallas and the hip Greenville area. There were two downsides: the pool could have been a bit cleaner and there was a rogue skateboarder that would skate in the parking structure late into the night/early morning. We hadn't noticed that it was a skateboarder until the second night of our stay (We thought it was a big truck). The owners were attentive and available for our needs. We would highly recommend this rental!
This is a great apartment at a very reasonable price. The amenities are very appealing and it truly makes it easy for you to return again and again. The area is centrally located within the Dallas downtown area which made it great for the last weekend of the State Fair. My family and I were very comfortable and parking was very secure. To anyone who is seeking a get away rental within the Dallas Metroplex Area look no further, this is the rental you truly want and won't be disappointed.
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My Standard Rate
4 night minimum stay
for 4 nights
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* Approximate monthly price. Actual pricing will depend on the days of the month you stay.